Home > First National Bank of Tennessee > Performance and Condition Ratios
First National Bank of Tennessee, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 3,623 |
| Cost of funding earning assets | 0.7910% | 3,760 |
| Net interest margin | 3.4079% | 2,393 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1477% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5756% | 900 |
| Return on assets (ROA) | 1.5756% | 868 |
| Pretax return on assets | 1.5756% | 1,283 |
| Return on Equity (ROE) | 16.1100% | 1,077 |
| Retained earnings to average equity (ytd only) | 16.1064% | 262 |
| Net charge-offs to loans | 0.0167% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 189.4245% | 607 |
| Efficiency ratio | 57.6839% | 3,327 |
| Assets per employee ($millions) | 8.6287% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,082 |
| Loan loss allowance to noncurrent loans | 1,313.0493% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,190 |
| Noncurrent loans to loans | 0.1136% | 2,961 |
| Net loans and leases to total assets | 50.6700% | 3,555 |
| Net loans and leases to deposits | 57.5084% | 3,647 |
| Net loans and leases to core deposits | 61.8798% | 3,686 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 10.4825% | 1,731 |
| Core capital (leverage) ratio | 10.5824% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,274,405,600 | 818 |
| Average earning assets | $1,232,284,000 | 774 |
| Average equity | $124,664,800 | 794 |
| Average total loans | $636,336,800 | 1,045 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,699 |
| Cost of funding earning assets | 0.6808% | 3,811 |
| Net interest margin | 3.3933% | 2,468 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1150% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5805% | 964 |
| Return on assets (ROA) | 1.5805% | 959 |
| Pretax return on assets | 1.5962% | 1,366 |
| Return on Equity (ROE) | 16.4500% | 1,176 |
| Retained earnings to average equity (ytd only) | 16.4542% | 430 |
| Net charge-offs to loans | -0.0154% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.9899% | 3,314 |
| Assets per employee ($millions) | 8.5104% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 992 |
| Loan loss allowance to noncurrent loans | 1,037.1901% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,086 |
| Noncurrent loans to loans | 0.1493% | 2,811 |
| Net loans and leases to total assets | 50.3300% | 3,595 |
| Net loans and leases to deposits | 56.9940% | 3,657 |
| Net loans and leases to core deposits | 60.4834% | 3,682 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 10.2027% | 1,704 |
| Core capital (leverage) ratio | 10.3143% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,271,586,250 | 826 |
| Average earning assets | $1,229,462,750 | 785 |
| Average equity | $122,138,000 | 806 |
| Average total loans | $630,090,250 | 1,044 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,776 |
| Cost of funding earning assets | 0.5437% | 3,901 |
| Net interest margin | 3.4122% | 2,486 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.0431% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6771% | 821 |
| Return on assets (ROA) | 1.6771% | 825 |
| Pretax return on assets | 1.6850% | 1,245 |
| Return on Equity (ROE) | 17.8300% | 979 |
| Retained earnings to average equity (ytd only) | 17.8291% | 350 |
| Net charge-offs to loans | -0.0038% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.8030% | 3,550 |
| Assets per employee ($millions) | 8.4637% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 997 |
| Loan loss allowance to noncurrent loans | 1,088.2225% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,044 |
| Noncurrent loans to loans | 0.1442% | 2,745 |
| Net loans and leases to total assets | 49.6400% | 3,583 |
| Net loans and leases to deposits | 55.9219% | 3,649 |
| Net loans and leases to core deposits | 58.4440% | 3,697 |
| Total domestic deposits to total assets | 88.7700% | 1,325 |
| Equity capital to assets | 9.9110% | 1,910 |
| Core capital (leverage) ratio | 9.9754% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,272,765,667 | 809 |
| Average earning assets | $1,230,525,000 | 769 |
| Average equity | $119,725,667 | 816 |
| Average total loans | $624,037,000 | 1,039 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 3,768 |
| Cost of funding earning assets | 0.4013% | 3,960 |
| Net interest margin | 3.4494% | 2,499 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.0256% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7410% | 761 |
| Return on assets (ROA) | 1.7410% | 751 |
| Pretax return on assets | 1.7410% | 1,190 |
| Return on Equity (ROE) | 19.0100% | 887 |
| Retained earnings to average equity (ytd only) | 19.0101% | 437 |
| Net charge-offs to loans | -0.0129% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7791% | 3,624 |
| Assets per employee ($millions) | 8.7311% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,026 |
| Loan loss allowance to noncurrent loans | 988.8119% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,002 |
| Noncurrent loans to loans | 0.1610% | 2,680 |
| Net loans and leases to total assets | 48.4400% | 3,599 |
| Net loans and leases to deposits | 54.2370% | 3,665 |
| Net loans and leases to core deposits | 56.2067% | 3,729 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 9.4042% | 2,224 |
| Core capital (leverage) ratio | 9.4805% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,278,606,000 | 827 |
| Average earning assets | $1,237,072,500 | 781 |
| Average equity | $117,095,500 | 840 |
| Average total loans | $618,040,000 | 1,063 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 4,254 |
| Cost of funding earning assets | 0.1578% | 4,074 |
| Net interest margin | 2.7270% | 4,019 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.9527% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1295% | 2,056 |
| Return on assets (ROA) | 1.1295% | 2,001 |
| Pretax return on assets | 1.1470% | 2,617 |
| Return on Equity (ROE) | 13.7500% | 1,587 |
| Retained earnings to average equity (ytd only) | 13.7453% | 417 |
| Net charge-offs to loans | -0.0245% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9965% | 2,629 |
| Assets per employee ($millions) | 8.7841% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 903 |
| Loan loss allowance to noncurrent loans | 909.3978% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,951 |
| Noncurrent loans to loans | 0.1801% | 2,584 |
| Net loans and leases to total assets | 46.6800% | 3,757 |
| Net loans and leases to deposits | 51.9639% | 3,804 |
| Net loans and leases to core deposits | 53.4054% | 3,840 |
| Total domestic deposits to total assets | 89.8300% | 1,438 |
| Equity capital to assets | 8.9135% | 2,410 |
| Core capital (leverage) ratio | 8.8769% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1206% | 814 |
| Memoranda: | ||
| Average total assets | $1,288,041,800 | 799 |
| Average earning assets | $1,259,582,800 | 751 |
| Average equity | $105,847,400 | 910 |
| Average total loans | $550,133,400 | 1,106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6106% | 4,382 |
| Cost of funding earning assets | 0.1357% | 3,981 |
| Net interest margin | 2.4750% | 4,227 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8999% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9640% | 2,610 |
| Return on assets (ROA) | 0.9640% | 2,584 |
| Pretax return on assets | 0.9640% | 3,126 |
| Return on Equity (ROE) | 11.9800% | 2,039 |
| Retained earnings to average equity (ytd only) | 11.9833% | 795 |
| Net charge-offs to loans | -0.0421% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.3393% | 2,234 |
| Assets per employee ($millions) | 8.9775% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 738 |
| Loan loss allowance to noncurrent loans | 1,093.0055% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,204 |
| Noncurrent loans to loans | 0.1641% | 2,777 |
| Net loans and leases to total assets | 41.2200% | 4,018 |
| Net loans and leases to deposits | 44.9924% | 4,068 |
| Net loans and leases to core deposits | 46.0233% | 4,108 |
| Total domestic deposits to total assets | 91.6100% | 1,006 |
| Equity capital to assets | 8.2102% | 2,750 |
| Core capital (leverage) ratio | 8.3819% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9673% | 733 |
| Memoranda: | ||
| Average total assets | $1,289,433,000 | 804 |
| Average earning assets | $1,263,876,500 | 757 |
| Average equity | $103,731,000 | 934 |
| Average total loans | $535,505,250 | 1,120 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3373% | 4,497 |
| Cost of funding earning assets | 0.1360% | 3,763 |
| Net interest margin | 2.2013% | 4,429 |
| Noninterest income to average assets | 0.4497% | 2,452 |
| Noninterest expense to average assets | 1.8617% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7514% | 3,140 |
| Return on assets (ROA) | 0.7514% | 3,095 |
| Pretax return on assets | 0.7514% | 3,445 |
| Return on Equity (ROE) | 9.4070% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.4070% | 1,172 |
| Net charge-offs to loans | -0.0655% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2461% | 1,801 |
| Assets per employee ($millions) | 8.8813% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 756 |
| Loan loss allowance to noncurrent loans | 1,058.7302% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,238 |
| Noncurrent loans to loans | 0.1738% | 2,822 |
| Net loans and leases to total assets | 41.7296% | 3,991 |
| Net loans and leases to deposits | 45.5183% | 4,046 |
| Net loans and leases to core deposits | 46.6687% | 4,096 |
| Total domestic deposits to total assets | 91.6766% | 977 |
| Equity capital to assets | 8.1757% | 2,987 |
| Core capital (leverage) ratio | 8.0977% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6864% | 757 |
| Memoranda: | ||
| Average total assets | $1,276,354,000 | 808 |
| Average earning assets | $1,254,369,000 | 762 |
| Average equity | $101,945,667 | 958 |
| Average total loans | $528,115,000 | 1,127 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1579% | 4,549 |
| Cost of funding earning assets | 0.1412% | 3,611 |
| Net interest margin | 2.0167% | 4,504 |
| Noninterest income to average assets | 0.4546% | 2,380 |
| Noninterest expense to average assets | 1.8904% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5490% | 3,561 |
| Return on assets (ROA) | 0.5490% | 3,537 |
| Pretax return on assets | 0.5490% | 3,757 |
| Return on Equity (ROE) | 6.9556% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.9556% | 1,902 |
| Net charge-offs to loans | -0.0861% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4949% | 1,357 |
| Assets per employee ($millions) | 8.6801% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 735 |
| Loan loss allowance to noncurrent loans | 946.1465% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,260 |
| Noncurrent loans to loans | 0.2015% | 2,816 |
| Net loans and leases to total assets | 39.8231% | 4,026 |
| Net loans and leases to deposits | 43.3207% | 4,101 |
| Net loans and leases to core deposits | 44.3503% | 4,143 |
| Total domestic deposits to total assets | 91.9263% | 601 |
| Equity capital to assets | 7.9021% | 3,643 |
| Core capital (leverage) ratio | 8.0113% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,275,078,500 | 816 |
| Average earning assets | $1,254,930,500 | 770 |
| Average equity | $100,639,000 | 987 |
| Average total loans | $520,329,000 | 1,126 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5464% | 4,448 |
| Cost of funding earning assets | 0.1991% | 3,472 |
| Net interest margin | 2.3474% | 4,371 |
| Noninterest income to average assets | 0.4846% | 2,650 |
| Noninterest expense to average assets | 2.0160% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7035% | 3,620 |
| Return on assets (ROA) | 0.7035% | 3,674 |
| Pretax return on assets | 0.7035% | 3,922 |
| Return on Equity (ROE) | 7.6443% | 3,335 |
| Retained earnings to average equity (ytd only) | -4.1831% | 4,687 |
| Net charge-offs to loans | -0.0014% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1323% | 1,286 |
| Assets per employee ($millions) | 8.6679% | 1,030 |
| Cash dividends to net income (ytd only)* | 154.7221% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 737 |
| Loan loss allowance to noncurrent loans | 174.9466% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 1,481 |
| Noncurrent loans to loans | 1.0826% | 895 |
| Net loans and leases to total assets | 40.2443% | 4,080 |
| Net loans and leases to deposits | 43.7671% | 4,189 |
| Net loans and leases to core deposits | 44.8189% | 4,235 |
| Total domestic deposits to total assets | 91.9510% | 193 |
| Equity capital to assets | 7.8833% | 4,426 |
| Core capital (leverage) ratio | 8.1046% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,148,476,400 | 860 |
| Average earning assets | $1,093,445,200 | 842 |
| Average equity | $105,686,200 | 966 |
| Average total loans | $512,098,800 | 1,139 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6577% | 4,448 |
| Cost of funding earning assets | 0.2144% | 3,470 |
| Net interest margin | 2.4433% | 4,355 |
| Noninterest income to average assets | 0.4902% | 2,666 |
| Noninterest expense to average assets | 2.0679% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7275% | 3,701 |
| Return on assets (ROA) | 0.7275% | 3,765 |
| Pretax return on assets | 0.7275% | 4,019 |
| Return on Equity (ROE) | 7.5979% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.5979% | 2,180 |
| Net charge-offs to loans | -0.0131% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9751% | 1,217 |
| Assets per employee ($millions) | 8.1345% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 770 |
| Loan loss allowance to noncurrent loans | 188.4182% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 1,720 |
| Noncurrent loans to loans | 1.0087% | 1,141 |
| Net loans and leases to total assets | 42.6268% | 4,048 |
| Net loans and leases to deposits | 47.0589% | 4,169 |
| Net loans and leases to core deposits | 48.2893% | 4,223 |
| Total domestic deposits to total assets | 90.5817% | 516 |
| Equity capital to assets | 9.2236% | 3,631 |
| Core capital (leverage) ratio | 9.4876% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,119,218,250 | 889 |
| Average earning assets | $1,055,970,000 | 873 |
| Average equity | $107,166,750 | 969 |
| Average total loans | $510,341,750 | 1,166 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6652% | 4,493 |
| Cost of funding earning assets | 0.2282% | 3,480 |
| Net interest margin | 2.4370% | 4,387 |
| Noninterest income to average assets | 0.4948% | 2,641 |
| Noninterest expense to average assets | 2.0920% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7049% | 3,753 |
| Return on assets (ROA) | 0.7049% | 3,820 |
| Pretax return on assets | 0.7049% | 4,055 |
| Return on Equity (ROE) | 7.2650% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.2650% | 2,332 |
| Net charge-offs to loans | -0.0122% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7957% | 1,177 |
| Assets per employee ($millions) | 7.7297% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 695 |
| Loan loss allowance to noncurrent loans | 184.0523% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,775 |
| Noncurrent loans to loans | 1.0502% | 1,167 |
| Net loans and leases to total assets | 44.0099% | 4,043 |
| Net loans and leases to deposits | 48.7323% | 4,176 |
| Net loans and leases to core deposits | 49.9721% | 4,233 |
| Total domestic deposits to total assets | 90.3094% | 643 |
| Equity capital to assets | 9.5084% | 3,321 |
| Core capital (leverage) ratio | 9.6312% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,093,702,667 | 898 |
| Average earning assets | $1,033,165,333 | 880 |
| Average equity | $106,125,000 | 970 |
| Average total loans | $507,258,667 | 1,169 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 4,540 |
| Cost of funding earning assets | 0.2479% | 3,494 |
| Net interest margin | 2.3867% | 4,429 |
| Noninterest income to average assets | 0.4957% | 2,630 |
| Noninterest expense to average assets | 2.0216% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7329% | 3,624 |
| Return on assets (ROA) | 0.7329% | 3,692 |
| Pretax return on assets | 0.7329% | 3,949 |
| Return on Equity (ROE) | 7.4738% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.4738% | 2,424 |
| Net charge-offs to loans | -0.0040% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3920% | 1,363 |
| Assets per employee ($millions) | 7.5257% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 688 |
| Loan loss allowance to noncurrent loans | 170.4821% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 1,817 |
| Noncurrent loans to loans | 1.1362% | 1,180 |
| Net loans and leases to total assets | 44.9839% | 4,037 |
| Net loans and leases to deposits | 49.8871% | 4,163 |
| Net loans and leases to core deposits | 51.2009% | 4,228 |
| Total domestic deposits to total assets | 90.1715% | 738 |
| Equity capital to assets | 9.5952% | 3,110 |
| Core capital (leverage) ratio | 10.0223% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,072,423,500 | 902 |
| Average earning assets | $1,014,974,000 | 880 |
| Average equity | $105,167,500 | 970 |
| Average total loans | $505,926,500 | 1,176 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 4,252 |
| Cost of funding earning assets | 0.3808% | 3,701 |
| Net interest margin | 2.9781% | 3,939 |
| Noninterest income to average assets | 0.4883% | 2,681 |
| Noninterest expense to average assets | 2.1556% | 3,802 |
| Loan and lease loss provision to assets | 0.3631% | 921 |
| Net operating income to assets | 0.8035% | 3,075 |
| Return on assets (ROA) | 0.8035% | 3,197 |
| Pretax return on assets | 0.8035% | 3,620 |
| Return on Equity (ROE) | 7.2389% | 3,099 |
| Retained earnings to average equity (ytd only) | -8.4668% | 4,892 |
| Net charge-offs to loans | 0.0103% | 2,950 |
| Credit loss provision to net charge-offs | 6,448.1481% | 171 |
| Earnings coverage of net charge-offs (x) | 207.1667% | 454 |
| Efficiency ratio | 64.8859% | 2,692 |
| Assets per employee ($millions) | 7.0173% | 1,576 |
| Cash dividends to net income (ytd only)* | 216.9630% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 649 |
| Loan loss allowance to noncurrent loans | 483.2759% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 3,303 |
| Noncurrent loans to loans | 0.4031% | 2,767 |
| Net loans and leases to total assets | 47.6185% | 4,001 |
| Net loans and leases to deposits | 53.0784% | 4,156 |
| Net loans and leases to core deposits | 54.6189% | 4,230 |
| Total domestic deposits to total assets | 89.7135% | 675 |
| Equity capital to assets | 10.0316% | 3,102 |
| Core capital (leverage) ratio | 10.2001% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $958,973,600 | 912 |
| Average earning assets | $912,521,800 | 890 |
| Average equity | $106,439,400 | 919 |
| Average total loans | $524,155,200 | 1,096 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4794% | 4,238 |
| Cost of funding earning assets | 0.4107% | 3,764 |
| Net interest margin | 3.0687% | 3,813 |
| Noninterest income to average assets | 0.4903% | 2,650 |
| Noninterest expense to average assets | 2.2251% | 3,621 |
| Loan and lease loss provision to assets | 0.4944% | 599 |
| Net operating income to assets | 0.6943% | 3,476 |
| Return on assets (ROA) | 0.6943% | 3,575 |
| Pretax return on assets | 0.6943% | 3,914 |
| Return on Equity (ROE) | 6.0931% | 3,525 |
| Retained earnings to average equity (ytd only) | -14.7369% | 4,968 |
| Net charge-offs to loans | 0.0320% | 2,189 |
| Credit loss provision to net charge-offs | 2,741.7323% | 370 |
| Earnings coverage of net charge-offs (x) | 65.9213% | 1,039 |
| Efficiency ratio | 65.1805% | 2,565 |
| Assets per employee ($millions) | 6.7697% | 1,641 |
| Cash dividends to net income (ytd only)* | 341.8609% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 608 |
| Loan loss allowance to noncurrent loans | 427.9070% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,310 |
| Noncurrent loans to loans | 0.4404% | 2,730 |
| Net loans and leases to total assets | 50.6707% | 4,060 |
| Net loans and leases to deposits | 56.5642% | 4,234 |
| Net loans and leases to core deposits | 58.2944% | 4,287 |
| Total domestic deposits to total assets | 89.5809% | 559 |
| Equity capital to assets | 10.1176% | 3,127 |
| Core capital (leverage) ratio | 10.3036% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $939,076,250 | 923 |
| Average earning assets | $894,651,000 | 895 |
| Average equity | $107,003,000 | 904 |
| Average total loans | $529,100,750 | 1,084 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,111 |
| Cost of funding earning assets | 0.4461% | 3,811 |
| Net interest margin | 3.2422% | 3,547 |
| Noninterest income to average assets | 0.4884% | 2,616 |
| Noninterest expense to average assets | 2.2496% | 3,655 |
| Loan and lease loss provision to assets | 0.7585% | 337 |
| Net operating income to assets | 0.5770% | 3,811 |
| Return on assets (ROA) | 0.5770% | 3,887 |
| Pretax return on assets | 0.5770% | 4,103 |
| Return on Equity (ROE) | 4.8659% | 3,863 |
| Retained earnings to average equity (ytd only) | -25.8411% | 5,023 |
| Net charge-offs to loans | 0.0386% | 1,974 |
| Credit loss provision to net charge-offs | 3,380.5825% | 322 |
| Earnings coverage of net charge-offs (x) | 59.5243% | 971 |
| Efficiency ratio | 62.7476% | 2,998 |
| Assets per employee ($millions) | 6.7163% | 1,619 |
| Cash dividends to net income (ytd only)* | 631.0683% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 571 |
| Loan loss allowance to noncurrent loans | 443.5572% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,430 |
| Noncurrent loans to loans | 0.4205% | 2,902 |
| Net loans and leases to total assets | 52.4578% | 3,999 |
| Net loans and leases to deposits | 58.5515% | 4,191 |
| Net loans and leases to core deposits | 60.3095% | 4,245 |
| Total domestic deposits to total assets | 89.5925% | 534 |
| Equity capital to assets | 10.1092% | 3,106 |
| Core capital (leverage) ratio | 10.5267% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $918,129,333 | 926 |
| Average earning assets | $876,941,000 | 889 |
| Average equity | $108,880,667 | 886 |
| Average total loans | $532,991,000 | 1,062 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,970 |
| Cost of funding earning assets | 0.4966% | 3,963 |
| Net interest margin | 3.4378% | 3,193 |
| Noninterest income to average assets | 0.4871% | 2,623 |
| Noninterest expense to average assets | 2.2343% | 3,924 |
| Loan and lease loss provision to assets | 1.0292% | 206 |
| Net operating income to assets | 0.5047% | 3,879 |
| Return on assets (ROA) | 0.5047% | 3,939 |
| Pretax return on assets | 0.5047% | 4,112 |
| Return on Equity (ROE) | 3.9347% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.9347% | 2,708 |
| Net charge-offs to loans | 0.0990% | 1,088 |
| Credit loss provision to net charge-offs | 1,715.7895% | 380 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,283 |
| Efficiency ratio | 59.2938% | 3,829 |
| Assets per employee ($millions) | 6.1448% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,090 |
| Loan loss allowance to noncurrent loans | 321.0368% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,162 |
| Noncurrent loans to loans | 0.4960% | 2,779 |
| Net loans and leases to total assets | 59.2743% | 3,566 |
| Net loans and leases to deposits | 68.3111% | 3,707 |
| Net loans and leases to core deposits | 70.6505% | 3,839 |
| Total domestic deposits to total assets | 86.7711% | 1,659 |
| Equity capital to assets | 12.8301% | 1,533 |
| Core capital (leverage) ratio | 12.9251% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,903,500 | 922 |
| Average earning assets | $846,480,000 | 892 |
| Average equity | $113,756,500 | 845 |
| Average total loans | $537,403,000 | 1,032 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,709 |
| Cost of funding earning assets | 0.5277% | 3,977 |
| Net interest margin | 3.7114% | 2,782 |
| Noninterest income to average assets | 0.5389% | 2,536 |
| Noninterest expense to average assets | 2.3481% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6749% | 701 |
| Return on assets (ROA) | 1.6749% | 746 |
| Pretax return on assets | 1.6920% | 1,208 |
| Return on Equity (ROE) | 13.6322% | 976 |
| Retained earnings to average equity (ytd only) | 13.6322% | 138 |
| Net charge-offs to loans | 0.0640% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 41.6800% | 1,281 |
| Efficiency ratio | 58.1202% | 3,945 |
| Assets per employee ($millions) | 6.1735% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,501 |
| Loan loss allowance to noncurrent loans | 204.4423% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,971 |
| Noncurrent loans to loans | 0.5815% | 2,441 |
| Net loans and leases to total assets | 60.2316% | 3,564 |
| Net loans and leases to deposits | 69.3950% | 3,716 |
| Net loans and leases to core deposits | 71.7856% | 3,869 |
| Total domestic deposits to total assets | 86.7953% | 1,709 |
| Equity capital to assets | 12.8224% | 1,625 |
| Core capital (leverage) ratio | 12.8542% | 1,309 |
| Tier 1 risk-based capital ratio | 20.6611% | 1,228 |
| Total risk-based capital ratio | 21.8923% | 1,195 |
| Memoranda: | ||
| Average total assets | $862,183,800 | 917 |
| Average earning assets | $813,352,800 | 892 |
| Average equity | $105,933,000 | 859 |
| Average total loans | $546,526,000 | 986 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,779 |
| Cost of funding earning assets | 0.5252% | 4,048 |
| Net interest margin | 3.7356% | 2,806 |
| Noninterest income to average assets | 0.5434% | 2,497 |
| Noninterest expense to average assets | 2.3328% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7007% | 744 |
| Return on assets (ROA) | 1.7007% | 782 |
| Pretax return on assets | 1.7236% | 1,267 |
| Return on Equity (ROE) | 13.9993% | 985 |
| Retained earnings to average equity (ytd only) | 13.9993% | 207 |
| Net charge-offs to loans | 0.0029% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 923.2269% | 102 |
| Efficiency ratio | 57.5094% | 4,001 |
| Assets per employee ($millions) | 6.1085% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,214 |
| Loan loss allowance to noncurrent loans | 186.1011% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 2,845 |
| Noncurrent loans to loans | 0.6736% | 2,270 |
| Net loans and leases to total assets | 60.7321% | 3,619 |
| Net loans and leases to deposits | 69.7495% | 3,781 |
| Net loans and leases to core deposits | 72.1556% | 3,939 |
| Total domestic deposits to total assets | 87.0718% | 1,479 |
| Equity capital to assets | 12.5571% | 1,872 |
| Core capital (leverage) ratio | 12.6710% | 1,495 |
| Tier 1 risk-based capital ratio | 20.1592% | 1,341 |
| Total risk-based capital ratio | 21.4099% | 1,307 |
| Memoranda: | ||
| Average total assets | $857,027,250 | 916 |
| Average earning assets | $805,961,750 | 899 |
| Average equity | $104,117,000 | 871 |
| Average total loans | $548,625,500 | 983 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,696 |
| Cost of funding earning assets | 0.5062% | 4,094 |
| Net interest margin | 3.7730% | 2,678 |
| Noninterest income to average assets | 0.5376% | 2,456 |
| Noninterest expense to average assets | 2.3947% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6408% | 833 |
| Return on assets (ROA) | 1.6408% | 871 |
| Pretax return on assets | 1.6753% | 1,323 |
| Return on Equity (ROE) | 13.6632% | 1,063 |
| Retained earnings to average equity (ytd only) | 13.6632% | 249 |
| Net charge-offs to loans | -0.0025% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8378% | 3,888 |
| Assets per employee ($millions) | 6.0239% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,388 |
| Loan loss allowance to noncurrent loans | 221.6606% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,109 |
| Noncurrent loans to loans | 0.5525% | 2,614 |
| Net loans and leases to total assets | 63.2348% | 3,427 |
| Net loans and leases to deposits | 72.3549% | 3,657 |
| Net loans and leases to core deposits | 74.7881% | 3,836 |
| Total domestic deposits to total assets | 87.3952% | 1,390 |
| Equity capital to assets | 12.2753% | 2,002 |
| Core capital (leverage) ratio | 12.4531% | 1,561 |
| Tier 1 risk-based capital ratio | 19.1519% | 1,521 |
| Total risk-based capital ratio | 20.4024% | 1,482 |
| Memoranda: | ||
| Average total assets | $851,531,000 | 913 |
| Average earning assets | $797,241,670 | 905 |
| Average equity | $102,260,000 | 878 |
| Average total loans | $552,420,670 | 974 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,716 |
| Cost of funding earning assets | 0.4718% | 4,196 |
| Net interest margin | 3.7747% | 2,615 |
| Noninterest income to average assets | 0.5519% | 2,281 |
| Noninterest expense to average assets | 2.2689% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6660% | 787 |
| Return on assets (ROA) | 1.6660% | 816 |
| Pretax return on assets | 1.7874% | 1,001 |
| Return on Equity (ROE) | 14.0312% | 963 |
| Retained earnings to average equity (ytd only) | 14.0312% | 350 |
| Net charge-offs to loans | -0.0224% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9348% | 4,346 |
| Assets per employee ($millions) | 5.8462% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,393 |
| Loan loss allowance to noncurrent loans | 241.2100% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 3,266 |
| Noncurrent loans to loans | 0.5130% | 2,777 |
| Net loans and leases to total assets | 63.8185% | 3,312 |
| Net loans and leases to deposits | 72.8783% | 3,538 |
| Net loans and leases to core deposits | 75.2082% | 3,716 |
| Total domestic deposits to total assets | 87.5686% | 1,536 |
| Equity capital to assets | 12.0658% | 1,983 |
| Core capital (leverage) ratio | 12.2554% | 1,630 |
| Tier 1 risk-based capital ratio | 19.1289% | 1,523 |
| Total risk-based capital ratio | 20.3799% | 1,493 |
| Memoranda: | ||
| Average total assets | $846,586,500 | 925 |
| Average earning assets | $785,959,500 | 918 |
| Average equity | $100,519,000 | 881 |
| Average total loans | $552,895,500 | 975 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 4,080 |
| Cost of funding earning assets | 0.3421% | 4,332 |
| Net interest margin | 3.6375% | 3,262 |
| Noninterest income to average assets | 0.5292% | 2,660 |
| Noninterest expense to average assets | 2.2665% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6782% | 720 |
| Return on assets (ROA) | 1.6782% | 721 |
| Pretax return on assets | 1.6931% | 1,183 |
| Return on Equity (ROE) | 15.3844% | 747 |
| Retained earnings to average equity (ytd only) | 15.3844% | 100 |
| Net charge-offs to loans | 0.0098% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 267.6226% | 359 |
| Efficiency ratio | 57.2398% | 4,258 |
| Assets per employee ($millions) | 5.8308% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,521 |
| Loan loss allowance to noncurrent loans | 246.4207% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,212 |
| Noncurrent loans to loans | 0.4907% | 2,802 |
| Net loans and leases to total assets | 65.2033% | 3,236 |
| Net loans and leases to deposits | 75.2660% | 3,405 |
| Net loans and leases to core deposits | 77.5846% | 3,613 |
| Total domestic deposits to total assets | 86.6305% | 1,953 |
| Equity capital to assets | 11.6806% | 2,110 |
| Core capital (leverage) ratio | 11.7620% | 1,906 |
| Tier 1 risk-based capital ratio | 18.3358% | 1,656 |
| Total risk-based capital ratio | 19.5866% | 1,609 |
| Memoranda: | ||
| Average total assets | $837,732,600 | 909 |
| Average earning assets | $790,051,600 | 892 |
| Average equity | $91,385,000 | 921 |
| Average total loans | $541,001,200 | 965 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,217 |
| Cost of funding earning assets | 0.3218% | 4,369 |
| Net interest margin | 3.5773% | 3,442 |
| Noninterest income to average assets | 0.5290% | 2,682 |
| Noninterest expense to average assets | 2.2041% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5785% | 1,003 |
| Return on assets (ROA) | 1.5785% | 1,007 |
| Pretax return on assets | 1.6937% | 1,294 |
| Return on Equity (ROE) | 14.7338% | 931 |
| Retained earnings to average equity (ytd only) | 14.7338% | 187 |
| Net charge-offs to loans | -0.0099% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5483% | 4,308 |
| Assets per employee ($millions) | 5.9596% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,294 |
| Loan loss allowance to noncurrent loans | 259.5952% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 3,402 |
| Noncurrent loans to loans | 0.4866% | 2,930 |
| Net loans and leases to total assets | 63.5230% | 3,483 |
| Net loans and leases to deposits | 72.8420% | 3,692 |
| Net loans and leases to core deposits | 75.1869% | 3,860 |
| Total domestic deposits to total assets | 87.2065% | 1,636 |
| Equity capital to assets | 11.0995% | 2,576 |
| Core capital (leverage) ratio | 11.3564% | 2,281 |
| Tier 1 risk-based capital ratio | 17.3531% | 1,982 |
| Total risk-based capital ratio | 18.6039% | 1,932 |
| Memoranda: | ||
| Average total assets | $835,797,750 | 906 |
| Average earning assets | $787,098,500 | 890 |
| Average equity | $89,542,250 | 934 |
| Average total loans | $536,745,750 | 972 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,241 |
| Cost of funding earning assets | 0.3052% | 4,379 |
| Net interest margin | 3.5359% | 3,511 |
| Noninterest income to average assets | 0.5328% | 2,672 |
| Noninterest expense to average assets | 2.2230% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5141% | 1,121 |
| Return on assets (ROA) | 1.5141% | 1,120 |
| Pretax return on assets | 1.6247% | 1,419 |
| Return on Equity (ROE) | 14.3093% | 1,007 |
| Retained earnings to average equity (ytd only) | 14.3093% | 252 |
| Net charge-offs to loans | -0.0131% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7751% | 4,271 |
| Assets per employee ($millions) | 6.0621% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,309 |
| Loan loss allowance to noncurrent loans | 316.8956% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 3,687 |
| Noncurrent loans to loans | 0.4015% | 3,249 |
| Net loans and leases to total assets | 64.1995% | 3,377 |
| Net loans and leases to deposits | 73.4004% | 3,592 |
| Net loans and leases to core deposits | 75.9669% | 3,747 |
| Total domestic deposits to total assets | 87.4647% | 1,660 |
| Equity capital to assets | 10.8757% | 2,758 |
| Core capital (leverage) ratio | 11.0273% | 2,498 |
| Tier 1 risk-based capital ratio | 16.8751% | 2,137 |
| Total risk-based capital ratio | 18.1262% | 2,089 |
| Memoranda: | ||
| Average total assets | $830,324,670 | 918 |
| Average earning assets | $778,418,670 | 903 |
| Average equity | $87,859,000 | 950 |
| Average total loans | $532,901,000 | 980 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,320 |
| Cost of funding earning assets | 0.2914% | 4,406 |
| Net interest margin | 3.4716% | 3,640 |
| Noninterest income to average assets | 0.5368% | 2,602 |
| Noninterest expense to average assets | 2.1030% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5474% | 960 |
| Return on assets (ROA) | 1.5474% | 967 |
| Pretax return on assets | 1.6601% | 1,219 |
| Return on Equity (ROE) | 14.8325% | 829 |
| Retained earnings to average equity (ytd only) | 14.8325% | 337 |
| Net charge-offs to loans | -0.0174% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8854% | 4,597 |
| Assets per employee ($millions) | 6.0592% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,241 |
| Loan loss allowance to noncurrent loans | 249.6026% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,473 |
| Noncurrent loans to loans | 0.5212% | 2,956 |
| Net loans and leases to total assets | 63.1469% | 3,415 |
| Net loans and leases to deposits | 71.8681% | 3,619 |
| Net loans and leases to core deposits | 74.3998% | 3,788 |
| Total domestic deposits to total assets | 87.8649% | 1,695 |
| Equity capital to assets | 10.5885% | 2,981 |
| Core capital (leverage) ratio | 10.7783% | 2,648 |
| Tier 1 risk-based capital ratio | 16.6500% | 2,227 |
| Total risk-based capital ratio | 17.9013% | 2,173 |
| Memoranda: | ||
| Average total assets | $827,200,000 | 926 |
| Average earning assets | $768,760,000 | 921 |
| Average equity | $86,297,000 | 971 |
| Average total loans | $527,353,000 | 995 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,356 |
| Cost of funding earning assets | 0.3021% | 4,122 |
| Net interest margin | 3.3902% | 3,880 |
| Noninterest income to average assets | 0.5221% | 2,866 |
| Noninterest expense to average assets | 2.3895% | 4,107 |
| Loan and lease loss provision to assets | 0.0123% | 4,043 |
| Net operating income to assets | 1.2359% | 1,407 |
| Return on assets (ROA) | 1.2359% | 1,427 |
| Pretax return on assets | 1.2820% | 2,422 |
| Return on Equity (ROE) | 12.7053% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.7053% | 145 |
| Net charge-offs to loans | -0.0081% | 4,738 |
| Credit loss provision to net charge-offs | -234.8837% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 3,470 |
| Assets per employee ($millions) | 6.0167% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,147 |
| Loan loss allowance to noncurrent loans | 247.3420% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,479 |
| Noncurrent loans to loans | 0.5317% | 2,910 |
| Net loans and leases to total assets | 62.6870% | 3,527 |
| Net loans and leases to deposits | 71.0577% | 3,782 |
| Net loans and leases to core deposits | 73.4907% | 3,921 |
| Total domestic deposits to total assets | 88.2199% | 1,390 |
| Equity capital to assets | 10.2752% | 3,408 |
| Core capital (leverage) ratio | 10.2603% | 3,116 |
| Tier 1 risk-based capital ratio | 16.5282% | 2,254 |
| Total risk-based capital ratio | 17.7800% | 2,191 |
| Memoranda: | ||
| Average total assets | $819,596,400 | 910 |
| Average earning assets | $764,361,400 | 899 |
| Average equity | $79,722,800 | 1,008 |
| Average total loans | $533,410,000 | 958 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,426 |
| Cost of funding earning assets | 0.3026% | 4,102 |
| Net interest margin | 3.3552% | 3,994 |
| Noninterest income to average assets | 0.5298% | 2,839 |
| Noninterest expense to average assets | 2.2915% | 4,323 |
| Loan and lease loss provision to assets | 0.0165% | 3,817 |
| Net operating income to assets | 1.2826% | 1,400 |
| Return on assets (ROA) | 1.2826% | 1,424 |
| Pretax return on assets | 1.3774% | 2,192 |
| Return on Equity (ROE) | 13.3756% | 965 |
| Retained earnings to average equity (ytd only) | 13.3756% | 190 |
| Net charge-offs to loans | -0.0187% | 4,826 |
| Credit loss provision to net charge-offs | -134.6667% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1784% | 3,851 |
| Assets per employee ($millions) | 6.2485% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,358 |
| Loan loss allowance to noncurrent loans | 192.9169% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 3,270 |
| Noncurrent loans to loans | 0.6732% | 2,687 |
| Net loans and leases to total assets | 63.2662% | 3,518 |
| Net loans and leases to deposits | 71.5563% | 3,820 |
| Net loans and leases to core deposits | 74.1336% | 3,965 |
| Total domestic deposits to total assets | 88.4145% | 1,164 |
| Equity capital to assets | 9.9201% | 4,012 |
| Core capital (leverage) ratio | 10.0577% | 3,495 |
| Tier 1 risk-based capital ratio | 15.8816% | 2,556 |
| Total risk-based capital ratio | 17.1331% | 2,486 |
| Memoranda: | ||
| Average total assets | $818,424,000 | 914 |
| Average earning assets | $769,740,250 | 897 |
| Average equity | $78,479,250 | 1,028 |
| Average total loans | $535,861,000 | 957 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 4,528 |
| Cost of funding earning assets | 0.3023% | 4,061 |
| Net interest margin | 3.2908% | 4,138 |
| Noninterest income to average assets | 0.5249% | 2,861 |
| Noninterest expense to average assets | 2.2842% | 4,387 |
| Loan and lease loss provision to assets | 0.0248% | 3,502 |
| Net operating income to assets | 1.2518% | 1,435 |
| Return on assets (ROA) | 1.2518% | 1,458 |
| Pretax return on assets | 1.3449% | 2,233 |
| Return on Equity (ROE) | 13.2091% | 978 |
| Retained earnings to average equity (ytd only) | 13.2091% | 238 |
| Net charge-offs to loans | -0.0235% | 4,833 |
| Credit loss provision to net charge-offs | -160.3175% | 4,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5143% | 3,904 |
| Assets per employee ($millions) | 6.1094% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,583 |
| Loan loss allowance to noncurrent loans | 179.3766% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 3,197 |
| Noncurrent loans to loans | 0.7068% | 2,635 |
| Net loans and leases to total assets | 65.2109% | 3,228 |
| Net loans and leases to deposits | 73.4030% | 3,604 |
| Net loans and leases to core deposits | 76.1224% | 3,763 |
| Total domestic deposits to total assets | 88.8395% | 1,042 |
| Equity capital to assets | 9.6590% | 4,268 |
| Core capital (leverage) ratio | 9.8833% | 3,673 |
| Tier 1 risk-based capital ratio | 14.9529% | 2,951 |
| Total risk-based capital ratio | 16.2037% | 2,883 |
| Memoranda: | ||
| Average total assets | $814,216,670 | 927 |
| Average earning assets | $774,157,000 | 899 |
| Average equity | $77,158,670 | 1,051 |
| Average total loans | $536,918,330 | 960 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,529 |
| Cost of funding earning assets | 0.3037% | 4,008 |
| Net interest margin | 3.2524% | 4,166 |
| Noninterest income to average assets | 0.5157% | 2,867 |
| Noninterest expense to average assets | 2.1885% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3232% | 1,183 |
| Return on assets (ROA) | 1.3232% | 1,217 |
| Pretax return on assets | 1.4196% | 1,821 |
| Return on Equity (ROE) | 14.1017% | 788 |
| Retained earnings to average equity (ytd only) | 14.1017% | 288 |
| Net charge-offs to loans | -0.0803% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6551% | 4,374 |
| Assets per employee ($millions) | 6.0901% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,656 |
| Loan loss allowance to noncurrent loans | 186.9779% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 3,399 |
| Noncurrent loans to loans | 0.6822% | 2,803 |
| Net loans and leases to total assets | 64.9510% | 3,124 |
| Net loans and leases to deposits | 72.9993% | 3,513 |
| Net loans and leases to core deposits | 75.7141% | 3,682 |
| Total domestic deposits to total assets | 88.9749% | 1,153 |
| Equity capital to assets | 9.4652% | 4,316 |
| Core capital (leverage) ratio | 9.7224% | 3,843 |
| Tier 1 risk-based capital ratio | 14.8066% | 3,062 |
| Total risk-based capital ratio | 16.0577% | 2,989 |
| Memoranda: | ||
| Average total assets | $808,943,500 | 935 |
| Average earning assets | $769,153,500 | 907 |
| Average equity | $75,906,000 | 1,066 |
| Average total loans | $533,007,000 | 963 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 4,916 |
| Cost of funding earning assets | 0.3406% | 3,628 |
| Net interest margin | 3.0940% | 4,742 |
| Noninterest income to average assets | 0.5063% | 3,193 |
| Noninterest expense to average assets | 2.4213% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9994% | 2,355 |
| Return on assets (ROA) | 0.9994% | 2,461 |
| Pretax return on assets | 1.0226% | 3,396 |
| Return on Equity (ROE) | 10.9235% | 1,606 |
| Retained earnings to average equity (ytd only) | 10.9235% | 313 |
| Net charge-offs to loans | 0.1090% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.8553% | 2,257 |
| Efficiency ratio | 70.3073% | 2,849 |
| Assets per employee ($millions) | 5.9393% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,684 |
| Loan loss allowance to noncurrent loans | 213.3544% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,630 |
| Noncurrent loans to loans | 0.5972% | 3,062 |
| Net loans and leases to total assets | 65.1492% | 3,201 |
| Net loans and leases to deposits | 73.2930% | 3,584 |
| Net loans and leases to core deposits | 75.9660% | 3,749 |
| Total domestic deposits to total assets | 88.8887% | 1,163 |
| Equity capital to assets | 9.3000% | 4,474 |
| Core capital (leverage) ratio | 9.4773% | 4,115 |
| Tier 1 risk-based capital ratio | 14.8663% | 3,022 |
| Total risk-based capital ratio | 16.1177% | 2,958 |
| Memoranda: | ||
| Average total assets | $772,847,800 | 936 |
| Average earning assets | $733,770,600 | 905 |
| Average equity | $70,710,200 | 1,118 |
| Average total loans | $488,255,000 | 992 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 4,982 |
| Cost of funding earning assets | 0.3458% | 3,582 |
| Net interest margin | 3.0746% | 4,846 |
| Noninterest income to average assets | 0.5463% | 2,935 |
| Noninterest expense to average assets | 2.3597% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0284% | 2,302 |
| Return on assets (ROA) | 1.0284% | 2,426 |
| Pretax return on assets | 1.1034% | 3,220 |
| Return on Equity (ROE) | 11.2883% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.2883% | 388 |
| Net charge-offs to loans | 0.0042% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 422.3895% | 210 |
| Efficiency ratio | 68.1384% | 3,200 |
| Assets per employee ($millions) | 5.8064% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 2,105 |
| Loan loss allowance to noncurrent loans | 249.0223% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 3,936 |
| Noncurrent loans to loans | 0.5704% | 3,290 |
| Net loans and leases to total assets | 64.2682% | 3,361 |
| Net loans and leases to deposits | 72.0251% | 3,804 |
| Net loans and leases to core deposits | 74.7816% | 3,940 |
| Total domestic deposits to total assets | 89.2304% | 785 |
| Equity capital to assets | 9.2808% | 4,883 |
| Core capital (leverage) ratio | 9.4222% | 4,297 |
| Tier 1 risk-based capital ratio | 14.9114% | 3,091 |
| Total risk-based capital ratio | 16.1646% | 3,020 |
| Memoranda: | ||
| Average total assets | $765,608,000 | 942 |
| Average earning assets | $726,326,000 | 914 |
| Average equity | $69,745,750 | 1,135 |
| Average total loans | $478,040,500 | 1,010 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,053 |
| Cost of funding earning assets | 0.3493% | 3,579 |
| Net interest margin | 3.0623% | 4,939 |
| Noninterest income to average assets | 0.5359% | 2,977 |
| Noninterest expense to average assets | 2.3915% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9772% | 2,484 |
| Return on assets (ROA) | 0.9772% | 2,631 |
| Pretax return on assets | 1.0486% | 3,400 |
| Return on Equity (ROE) | 10.7965% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.7965% | 464 |
| Net charge-offs to loans | 0.0051% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 331.8333% | 206 |
| Efficiency ratio | 69.5193% | 3,055 |
| Assets per employee ($millions) | 5.7265% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,790 |
| Loan loss allowance to noncurrent loans | 327.5598% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,293 |
| Noncurrent loans to loans | 0.4637% | 3,706 |
| Net loans and leases to total assets | 61.3588% | 3,699 |
| Net loans and leases to deposits | 68.6242% | 4,122 |
| Net loans and leases to core deposits | 71.1876% | 4,239 |
| Total domestic deposits to total assets | 89.4128% | 724 |
| Equity capital to assets | 9.1945% | 5,071 |
| Core capital (leverage) ratio | 9.2341% | 4,540 |
| Tier 1 risk-based capital ratio | 15.7723% | 2,750 |
| Total risk-based capital ratio | 17.0273% | 2,683 |
| Memoranda: | ||
| Average total assets | $759,523,000 | 945 |
| Average earning assets | $720,315,670 | 923 |
| Average equity | $68,744,670 | 1,150 |
| Average total loans | $467,042,670 | 1,031 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,103 |
| Cost of funding earning assets | 0.3537% | 3,563 |
| Net interest margin | 3.0578% | 4,979 |
| Noninterest income to average assets | 0.5437% | 2,853 |
| Noninterest expense to average assets | 2.3102% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0540% | 2,071 |
| Return on assets (ROA) | 1.0540% | 2,178 |
| Pretax return on assets | 1.1307% | 2,967 |
| Return on Equity (ROE) | 11.7395% | 1,387 |
| Retained earnings to average equity (ytd only) | 11.7395% | 540 |
| Net charge-offs to loans | -0.0277% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1385% | 3,606 |
| Assets per employee ($millions) | 5.7413% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,656 |
| Loan loss allowance to noncurrent loans | 237.2078% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,905 |
| Noncurrent loans to loans | 0.6679% | 3,171 |
| Net loans and leases to total assets | 59.4344% | 3,858 |
| Net loans and leases to deposits | 66.4207% | 4,218 |
| Net loans and leases to core deposits | 68.8997% | 4,328 |
| Total domestic deposits to total assets | 89.4816% | 849 |
| Equity capital to assets | 9.0147% | 5,161 |
| Core capital (leverage) ratio | 9.1279% | 4,696 |
| Tier 1 risk-based capital ratio | 15.9389% | 2,712 |
| Total risk-based capital ratio | 17.1948% | 2,652 |
| Memoranda: | ||
| Average total assets | $755,606,000 | 950 |
| Average earning assets | $715,943,500 | 932 |
| Average equity | $67,839,500 | 1,157 |
| Average total loans | $461,512,500 | 1,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 5,363 |
| Cost of funding earning assets | 0.3759% | 3,412 |
| Net interest margin | 2.9130% | 5,312 |
| Noninterest income to average assets | 0.5356% | 3,105 |
| Noninterest expense to average assets | 2.4263% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8179% | 3,257 |
| Return on assets (ROA) | 0.8179% | 3,338 |
| Pretax return on assets | 0.8776% | 3,928 |
| Return on Equity (ROE) | 8.9066% | 2,498 |
| Retained earnings to average equity (ytd only) | -5.7908% | 5,950 |
| Net charge-offs to loans | 0.0960% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.8787% | 2,254 |
| Efficiency ratio | 73.4374% | 2,669 |
| Assets per employee ($millions) | 5.5793% | 1,712 |
| Cash dividends to net income (ytd only)* | 165.0165% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,702 |
| Loan loss allowance to noncurrent loans | 202.2241% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 3,663 |
| Noncurrent loans to loans | 0.7788% | 2,838 |
| Net loans and leases to total assets | 60.8075% | 3,725 |
| Net loans and leases to deposits | 68.1221% | 4,118 |
| Net loans and leases to core deposits | 70.6243% | 4,258 |
| Total domestic deposits to total assets | 89.2625% | 986 |
| Equity capital to assets | 8.9408% | 5,181 |
| Core capital (leverage) ratio | 8.9501% | 4,939 |
| Tier 1 risk-based capital ratio | 15.6070% | 2,879 |
| Total risk-based capital ratio | 16.8629% | 2,812 |
| Memoranda: | ||
| Average total assets | $740,876,800 | 933 |
| Average earning assets | $704,090,600 | 911 |
| Average equity | $68,039,400 | 1,121 |
| Average total loans | $455,287,000 | 1,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,409 |
| Cost of funding earning assets | 0.3789% | 3,452 |
| Net interest margin | 2.9208% | 5,372 |
| Noninterest income to average assets | 0.5352% | 3,135 |
| Noninterest expense to average assets | 2.3676% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8802% | 3,041 |
| Return on assets (ROA) | 0.8802% | 3,124 |
| Pretax return on assets | 0.9444% | 3,836 |
| Return on Equity (ROE) | 9.5210% | 2,308 |
| Retained earnings to average equity (ytd only) | -9.9893% | 6,125 |
| Net charge-offs to loans | 0.0664% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.1678% | 1,748 |
| Efficiency ratio | 71.4846% | 2,961 |
| Assets per employee ($millions) | 5.6087% | 1,682 |
| Cash dividends to net income (ytd only)* | 204.9182% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,689 |
| Loan loss allowance to noncurrent loans | 167.2626% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 3,382 |
| Noncurrent loans to loans | 0.9725% | 2,549 |
| Net loans and leases to total assets | 60.6844% | 3,778 |
| Net loans and leases to deposits | 67.6505% | 4,224 |
| Net loans and leases to core deposits | 70.1154% | 4,359 |
| Total domestic deposits to total assets | 89.7028% | 693 |
| Equity capital to assets | 8.8028% | 5,487 |
| Core capital (leverage) ratio | 8.8387% | 5,191 |
| Tier 1 risk-based capital ratio | 15.1187% | 3,235 |
| Total risk-based capital ratio | 16.3748% | 3,168 |
| Memoranda: | ||
| Average total assets | $739,189,750 | 941 |
| Average earning assets | $702,746,750 | 911 |
| Average equity | $68,338,250 | 1,121 |
| Average total loans | $453,637,250 | 1,019 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 5,450 |
| Cost of funding earning assets | 0.3801% | 3,489 |
| Net interest margin | 2.9132% | 5,418 |
| Noninterest income to average assets | 0.5341% | 3,144 |
| Noninterest expense to average assets | 2.2957% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9464% | 2,658 |
| Return on assets (ROA) | 0.9464% | 2,772 |
| Pretax return on assets | 1.0156% | 3,521 |
| Return on Equity (ROE) | 10.0738% | 2,038 |
| Retained earnings to average equity (ytd only) | -18.8157% | 6,259 |
| Net charge-offs to loans | 0.0261% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 63.4237% | 812 |
| Efficiency ratio | 69.3304% | 3,439 |
| Assets per employee ($millions) | 5.4827% | 1,759 |
| Cash dividends to net income (ytd only)* | 286.7795% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 1,673 |
| Loan loss allowance to noncurrent loans | 150.1275% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 3,240 |
| Noncurrent loans to loans | 1.1171% | 2,413 |
| Net loans and leases to total assets | 60.6104% | 3,740 |
| Net loans and leases to deposits | 68.1801% | 4,120 |
| Net loans and leases to core deposits | 70.6510% | 4,264 |
| Total domestic deposits to total assets | 88.8975% | 1,188 |
| Equity capital to assets | 8.6834% | 5,542 |
| Core capital (leverage) ratio | 8.6498% | 5,373 |
| Tier 1 risk-based capital ratio | 15.1054% | 3,297 |
| Total risk-based capital ratio | 16.3625% | 3,236 |
| Memoranda: | ||
| Average total assets | $736,933,670 | 945 |
| Average earning assets | $702,536,000 | 913 |
| Average equity | $69,229,330 | 1,109 |
| Average total loans | $451,461,330 | 1,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2901% | 5,472 |
| Cost of funding earning assets | 0.3812% | 3,514 |
| Net interest margin | 2.9090% | 5,437 |
| Noninterest income to average assets | 0.5467% | 2,973 |
| Noninterest expense to average assets | 2.2499% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0047% | 2,244 |
| Return on assets (ROA) | 1.0047% | 2,383 |
| Pretax return on assets | 1.0782% | 3,175 |
| Return on Equity (ROE) | 10.3029% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.3029% | 852 |
| Net charge-offs to loans | 0.0330% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 53.5676% | 796 |
| Efficiency ratio | 67.6038% | 3,889 |
| Assets per employee ($millions) | 5.5574% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,780 |
| Loan loss allowance to noncurrent loans | 148.5195% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 3,304 |
| Noncurrent loans to loans | 1.1332% | 2,506 |
| Net loans and leases to total assets | 60.1992% | 3,623 |
| Net loans and leases to deposits | 67.8867% | 3,965 |
| Net loans and leases to core deposits | 70.3982% | 4,118 |
| Total domestic deposits to total assets | 88.6760% | 1,462 |
| Equity capital to assets | 9.7532% | 4,427 |
| Core capital (leverage) ratio | 9.9561% | 3,658 |
| Tier 1 risk-based capital ratio | 17.1752% | 2,413 |
| Total risk-based capital ratio | 18.4325% | 2,368 |
| Memoranda: | ||
| Average total assets | $735,316,500 | 946 |
| Average earning assets | $703,069,000 | 913 |
| Average equity | $71,708,000 | 1,073 |
| Average total loans | $449,056,500 | 1,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4954% | 5,325 |
| Cost of funding earning assets | 0.4189% | 3,491 |
| Net interest margin | 3.0765% | 5,261 |
| Noninterest income to average assets | 0.5854% | 2,950 |
| Noninterest expense to average assets | 2.4871% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9908% | 2,428 |
| Return on assets (ROA) | 0.9908% | 2,503 |
| Pretax return on assets | 1.0401% | 3,348 |
| Return on Equity (ROE) | 10.2826% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.4077% | 3,042 |
| Net charge-offs to loans | 0.0379% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 43.4852% | 1,019 |
| Efficiency ratio | 70.5120% | 3,454 |
| Assets per employee ($millions) | 5.6275% | 1,670 |
| Cash dividends to net income (ytd only)* | 57.1347% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,671 |
| Loan loss allowance to noncurrent loans | 162.3710% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 3,454 |
| Noncurrent loans to loans | 1.0741% | 2,670 |
| Net loans and leases to total assets | 59.8436% | 3,809 |
| Net loans and leases to deposits | 67.7405% | 4,150 |
| Net loans and leases to core deposits | 70.5108% | 4,276 |
| Total domestic deposits to total assets | 88.3425% | 1,600 |
| Equity capital to assets | 9.7508% | 4,414 |
| Core capital (leverage) ratio | 9.7911% | 3,841 |
| Tier 1 risk-based capital ratio | 17.6562% | 2,260 |
| Total risk-based capital ratio | 18.9061% | 2,228 |
| Memoranda: | ||
| Average total assets | $706,567,600 | 949 |
| Average earning assets | $675,635,600 | 910 |
| Average equity | $68,086,000 | 1,083 |
| Average total loans | $445,486,200 | 989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 5,314 |
| Cost of funding earning assets | 0.4235% | 3,538 |
| Net interest margin | 3.1087% | 5,233 |
| Noninterest income to average assets | 0.5976% | 2,889 |
| Noninterest expense to average assets | 2.4921% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0125% | 2,394 |
| Return on assets (ROA) | 1.0125% | 2,454 |
| Pretax return on assets | 1.0720% | 3,291 |
| Return on Equity (ROE) | 10.5400% | 1,972 |
| Retained earnings to average equity (ytd only) | 2.6286% | 4,720 |
| Net charge-offs to loans | -0.0747% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9222% | 3,524 |
| Assets per employee ($millions) | 5.3616% | 1,847 |
| Cash dividends to net income (ytd only)* | 75.0609% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 1,585 |
| Loan loss allowance to noncurrent loans | 151.9910% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 3,455 |
| Noncurrent loans to loans | 1.2140% | 2,614 |
| Net loans and leases to total assets | 60.6491% | 3,681 |
| Net loans and leases to deposits | 68.5712% | 4,078 |
| Net loans and leases to core deposits | 71.6170% | 4,188 |
| Total domestic deposits to total assets | 88.4468% | 1,530 |
| Equity capital to assets | 9.6918% | 4,559 |
| Core capital (leverage) ratio | 9.7283% | 4,029 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,557 |
| Total risk-based capital ratio | 18.3830% | 2,514 |
| Memoranda: | ||
| Average total assets | $701,724,000 | 963 |
| Average earning assets | $669,636,750 | 922 |
| Average equity | $67,411,250 | 1,093 |
| Average total loans | $446,322,500 | 993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 5,390 |
| Cost of funding earning assets | 0.4226% | 3,627 |
| Net interest margin | 3.0886% | 5,290 |
| Noninterest income to average assets | 0.6204% | 2,709 |
| Noninterest expense to average assets | 2.4762% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0382% | 2,175 |
| Return on assets (ROA) | 1.0382% | 2,241 |
| Pretax return on assets | 1.1015% | 3,095 |
| Return on Equity (ROE) | 10.8401% | 1,794 |
| Retained earnings to average equity (ytd only) | -1.1280% | 5,870 |
| Net charge-offs to loans | -0.0254% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2111% | 3,797 |
| Assets per employee ($millions) | 5.2616% | 1,905 |
| Cash dividends to net income (ytd only)* | 110.4057% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 1,968 |
| Loan loss allowance to noncurrent loans | 180.8797% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 3,861 |
| Noncurrent loans to loans | 0.9692% | 3,298 |
| Net loans and leases to total assets | 63.0879% | 3,225 |
| Net loans and leases to deposits | 71.1412% | 3,688 |
| Net loans and leases to core deposits | 74.0468% | 3,834 |
| Total domestic deposits to total assets | 88.6799% | 1,550 |
| Equity capital to assets | 9.5604% | 4,675 |
| Core capital (leverage) ratio | 9.5752% | 4,211 |
| Tier 1 risk-based capital ratio | 16.0704% | 3,050 |
| Total risk-based capital ratio | 17.3204% | 2,993 |
| Memoranda: | ||
| Average total assets | $697,934,000 | 969 |
| Average earning assets | $668,261,670 | 926 |
| Average equity | $66,844,330 | 1,093 |
| Average total loans | $448,225,000 | 981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 5,387 |
| Cost of funding earning assets | 0.4260% | 3,683 |
| Net interest margin | 3.0878% | 5,292 |
| Noninterest income to average assets | 0.5536% | 3,026 |
| Noninterest expense to average assets | 2.5306% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8987% | 2,663 |
| Return on assets (ROA) | 0.8987% | 2,723 |
| Pretax return on assets | 0.9580% | 3,482 |
| Return on Equity (ROE) | 9.3745% | 2,301 |
| Retained earnings to average equity (ytd only) | -14.6627% | 6,461 |
| Net charge-offs to loans | -0.1256% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5396% | 3,390 |
| Assets per employee ($millions) | 5.2840% | 1,925 |
| Cash dividends to net income (ytd only)* | 256.4103% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 2,071 |
| Loan loss allowance to noncurrent loans | 203.0380% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 3,029 |
| Noncurrent loans to loans | 0.8809% | 3,683 |
| Net loans and leases to total assets | 63.1377% | 3,045 |
| Net loans and leases to deposits | 70.9182% | 3,484 |
| Net loans and leases to core deposits | 73.8592% | 3,663 |
| Total domestic deposits to total assets | 89.0289% | 1,641 |
| Equity capital to assets | 9.3684% | 4,671 |
| Core capital (leverage) ratio | 9.4371% | 4,365 |
| Tier 1 risk-based capital ratio | 15.4622% | 3,460 |
| Total risk-based capital ratio | 16.7121% | 3,419 |
| Memoranda: | ||
| Average total assets | $694,374,500 | 981 |
| Average earning assets | $660,021,000 | 941 |
| Average equity | $66,563,500 | 1,100 |
| Average total loans | $445,967,500 | 988 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 5,034 |
| Cost of funding earning assets | 0.5132% | 3,470 |
| Net interest margin | 3.2180% | 4,938 |
| Noninterest income to average assets | 0.5765% | 3,234 |
| Noninterest expense to average assets | 2.4832% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9739% | 2,448 |
| Return on assets (ROA) | 0.9739% | 2,517 |
| Pretax return on assets | 1.0385% | 3,199 |
| Return on Equity (ROE) | 10.0099% | 2,108 |
| Retained earnings to average equity (ytd only) | 2.4803% | 4,489 |
| Net charge-offs to loans | 0.3627% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.3970% | 3,576 |
| Efficiency ratio | 70.5121% | 3,752 |
| Assets per employee ($millions) | 5.2768% | 1,881 |
| Cash dividends to net income (ytd only)* | 75.2219% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 2,140 |
| Loan loss allowance to noncurrent loans | 207.8607% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 3,192 |
| Noncurrent loans to loans | 0.8547% | 3,841 |
| Net loans and leases to total assets | 63.0235% | 3,200 |
| Net loans and leases to deposits | 71.1084% | 3,641 |
| Net loans and leases to core deposits | 74.0771% | 3,831 |
| Total domestic deposits to total assets | 88.6303% | 1,840 |
| Equity capital to assets | 9.8058% | 4,034 |
| Core capital (leverage) ratio | 9.8112% | 3,828 |
| Tier 1 risk-based capital ratio | 16.1244% | 3,047 |
| Total risk-based capital ratio | 17.3744% | 2,995 |
| Memoranda: | ||
| Average total assets | $682,538,400 | 976 |
| Average earning assets | $624,666,200 | 973 |
| Average equity | $66,404,400 | 1,082 |
| Average total loans | $444,393,000 | 960 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,953 |
| Cost of funding earning assets | 0.5329% | 3,438 |
| Net interest margin | 3.2395% | 4,861 |
| Noninterest income to average assets | 0.5785% | 3,277 |
| Noninterest expense to average assets | 2.4874% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9657% | 2,517 |
| Return on assets (ROA) | 0.9657% | 2,618 |
| Pretax return on assets | 1.0275% | 3,385 |
| Return on Equity (ROE) | 9.9463% | 2,206 |
| Retained earnings to average equity (ytd only) | -0.1453% | 5,966 |
| Net charge-offs to loans | 0.2810% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.5955% | 3,151 |
| Efficiency ratio | 70.7683% | 3,634 |
| Assets per employee ($millions) | 5.2596% | 1,882 |
| Cash dividends to net income (ytd only)* | 101.4611% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 2,041 |
| Loan loss allowance to noncurrent loans | 87.8968% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4303% | 2,813 |
| Noncurrent loans to loans | 2.1457% | 2,079 |
| Net loans and leases to total assets | 64.5941% | 2,903 |
| Net loans and leases to deposits | 72.9411% | 3,417 |
| Net loans and leases to core deposits | 76.2066% | 3,594 |
| Total domestic deposits to total assets | 88.5565% | 1,811 |
| Equity capital to assets | 9.5883% | 4,437 |
| Core capital (leverage) ratio | 9.6823% | 4,126 |
| Tier 1 risk-based capital ratio | 15.6593% | 3,370 |
| Total risk-based capital ratio | 16.9094% | 3,328 |
| Memoranda: | ||
| Average total assets | $680,359,000 | 985 |
| Average earning assets | $616,706,000 | 994 |
| Average equity | $66,059,750 | 1,099 |
| Average total loans | $444,607,750 | 965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,758 |
| Cost of funding earning assets | 0.5531% | 3,378 |
| Net interest margin | 3.2678% | 4,697 |
| Noninterest income to average assets | 0.5730% | 3,362 |
| Noninterest expense to average assets | 2.4718% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9571% | 2,528 |
| Return on assets (ROA) | 0.9571% | 2,677 |
| Pretax return on assets | 1.0138% | 3,443 |
| Return on Equity (ROE) | 9.8156% | 2,272 |
| Retained earnings to average equity (ytd only) | -5.3226% | 6,476 |
| Net charge-offs to loans | 0.3243% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.7961% | 3,030 |
| Efficiency ratio | 70.9156% | 3,658 |
| Assets per employee ($millions) | 5.1692% | 1,910 |
| Cash dividends to net income (ytd only)* | 154.2258% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 1,921 |
| Loan loss allowance to noncurrent loans | 174.5773% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 4,367 |
| Noncurrent loans to loans | 1.1269% | 3,682 |
| Net loans and leases to total assets | 64.0931% | 2,898 |
| Net loans and leases to deposits | 72.2495% | 3,415 |
| Net loans and leases to core deposits | 75.4211% | 3,621 |
| Total domestic deposits to total assets | 88.7108% | 1,771 |
| Equity capital to assets | 9.4350% | 4,669 |
| Core capital (leverage) ratio | 9.5162% | 4,220 |
| Tier 1 risk-based capital ratio | 15.3077% | 3,592 |
| Total risk-based capital ratio | 16.5577% | 3,548 |
| Memoranda: | ||
| Average total assets | $677,475,670 | 986 |
| Average earning assets | $603,830,670 | 1,020 |
| Average equity | $66,058,330 | 1,099 |
| Average total loans | $441,605,670 | 967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,719 |
| Cost of funding earning assets | 0.5616% | 3,463 |
| Net interest margin | 3.2690% | 4,635 |
| Noninterest income to average assets | 0.6026% | 3,125 |
| Noninterest expense to average assets | 2.5806% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9036% | 2,640 |
| Return on assets (ROA) | 0.9036% | 2,784 |
| Pretax return on assets | 0.9433% | 3,594 |
| Return on Equity (ROE) | 9.1183% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.1183% | 1,346 |
| Net charge-offs to loans | 0.0938% | 2,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.4563% | 1,400 |
| Efficiency ratio | 73.2302% | 3,409 |
| Assets per employee ($millions) | 5.1283% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 1,676 |
| Loan loss allowance to noncurrent loans | 193.1893% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 4,381 |
| Noncurrent loans to loans | 1.1157% | 3,916 |
| Net loans and leases to total assets | 62.4881% | 2,967 |
| Net loans and leases to deposits | 71.5869% | 3,239 |
| Net loans and leases to core deposits | 74.4710% | 3,522 |
| Total domestic deposits to total assets | 87.2900% | 2,765 |
| Equity capital to assets | 9.9201% | 4,249 |
| Core capital (leverage) ratio | 10.1643% | 3,192 |
| Tier 1 risk-based capital ratio | 16.6959% | 2,905 |
| Total risk-based capital ratio | 17.9459% | 2,877 |
| Memoranda: | ||
| Average total assets | $675,046,500 | 999 |
| Average earning assets | $603,242,000 | 1,034 |
| Average equity | $66,898,500 | 1,090 |
| Average total loans | $439,356,000 | 975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 4,604 |
| Cost of funding earning assets | 0.7475% | 3,104 |
| Net interest margin | 3.4491% | 4,706 |
| Noninterest income to average assets | 0.6336% | 3,085 |
| Noninterest expense to average assets | 2.5362% | 4,976 |
| Loan and lease loss provision to assets | 0.0319% | 5,494 |
| Net operating income to assets | 1.0313% | 2,206 |
| Return on assets (ROA) | 1.0313% | 2,408 |
| Pretax return on assets | 1.1306% | 3,048 |
| Return on Equity (ROE) | 10.2881% | 2,056 |
| Retained earnings to average equity (ytd only) | -0.4127% | 5,923 |
| Net charge-offs to loans | 0.1733% | 3,989 |
| Credit loss provision to net charge-offs | 27.2966% | 5,165 |
| Earnings coverage of net charge-offs (x) | 9.9554% | 2,199 |
| Efficiency ratio | 68.5711% | 4,043 |
| Assets per employee ($millions) | 5.0228% | 2,198 |
| Cash dividends to net income (ytd only)* | 104.0119% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 1,662 |
| Loan loss allowance to noncurrent loans | 201.5287% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 4,445 |
| Noncurrent loans to loans | 1.0629% | 4,087 |
| Net loans and leases to total assets | 64.9106% | 2,740 |
| Net loans and leases to deposits | 74.5410% | 3,017 |
| Net loans and leases to core deposits | 77.6617% | 3,307 |
| Total domestic deposits to total assets | 87.0804% | 2,798 |
| Equity capital to assets | 9.9001% | 4,312 |
| Core capital (leverage) ratio | 9.9600% | 3,451 |
| Tier 1 risk-based capital ratio | 16.2575% | 3,024 |
| Total risk-based capital ratio | 17.5075% | 2,978 |
| Memoranda: | ||
| Average total assets | $652,591,800 | 1,011 |
| Average earning assets | $579,914,600 | 1,045 |
| Average equity | $65,415,200 | 1,082 |
| Average total loans | $439,726,200 | 946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 4,660 |
| Cost of funding earning assets | 0.7804% | 3,105 |
| Net interest margin | 3.4651% | 4,784 |
| Noninterest income to average assets | 0.6365% | 3,068 |
| Noninterest expense to average assets | 2.5812% | 4,805 |
| Loan and lease loss provision to assets | 0.0427% | 5,238 |
| Net operating income to assets | 0.9841% | 2,591 |
| Return on assets (ROA) | 0.9841% | 2,821 |
| Pretax return on assets | 1.0841% | 3,409 |
| Return on Equity (ROE) | 9.7859% | 2,450 |
| Retained earnings to average equity (ytd only) | -4.5210% | 6,589 |
| Net charge-offs to loans | 0.2485% | 3,230 |
| Credit loss provision to net charge-offs | 25.4279% | 4,875 |
| Earnings coverage of net charge-offs (x) | 6.7029% | 2,736 |
| Efficiency ratio | 69.6098% | 3,765 |
| Assets per employee ($millions) | 5.0727% | 2,087 |
| Cash dividends to net income (ytd only)* | 146.1988% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 1,792 |
| Loan loss allowance to noncurrent loans | 163.7058% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 4,485 |
| Noncurrent loans to loans | 1.3167% | 3,838 |
| Net loans and leases to total assets | 64.4543% | 2,942 |
| Net loans and leases to deposits | 73.6119% | 3,358 |
| Net loans and leases to core deposits | 76.6603% | 3,657 |
| Total domestic deposits to total assets | 87.5596% | 2,312 |
| Equity capital to assets | 9.6601% | 4,975 |
| Core capital (leverage) ratio | 9.7587% | 3,862 |
| Tier 1 risk-based capital ratio | 15.9565% | 3,289 |
| Total risk-based capital ratio | 17.2065% | 3,260 |
| Memoranda: | ||
| Average total assets | $648,731,250 | 1,024 |
| Average earning assets | $575,052,500 | 1,053 |
| Average equity | $65,235,000 | 1,090 |
| Average total loans | $438,878,500 | 952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 4,621 |
| Cost of funding earning assets | 0.8105% | 3,106 |
| Net interest margin | 3.4770% | 4,776 |
| Noninterest income to average assets | 0.6151% | 3,167 |
| Noninterest expense to average assets | 2.5391% | 5,002 |
| Loan and lease loss provision to assets | 0.0646% | 4,837 |
| Net operating income to assets | 0.9856% | 2,527 |
| Return on assets (ROA) | 0.9856% | 2,758 |
| Pretax return on assets | 1.0941% | 3,323 |
| Return on Equity (ROE) | 9.6703% | 2,501 |
| Retained earnings to average equity (ytd only) | -11.6770% | 6,880 |
| Net charge-offs to loans | 0.3615% | 2,565 |
| Credit loss provision to net charge-offs | 26.1965% | 4,501 |
| Earnings coverage of net charge-offs (x) | 4.6952% | 3,013 |
| Efficiency ratio | 68.6644% | 4,008 |
| Assets per employee ($millions) | 4.8922% | 2,306 |
| Cash dividends to net income (ytd only)* | 220.7506% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,898 |
| Loan loss allowance to noncurrent loans | 183.6893% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 4,766 |
| Noncurrent loans to loans | 1.1680% | 4,201 |
| Net loans and leases to total assets | 65.8149% | 2,710 |
| Net loans and leases to deposits | 74.4069% | 3,225 |
| Net loans and leases to core deposits | 77.3297% | 3,613 |
| Total domestic deposits to total assets | 88.4526% | 1,852 |
| Equity capital to assets | 9.5457% | 4,995 |
| Core capital (leverage) ratio | 9.6454% | 3,931 |
| Tier 1 risk-based capital ratio | 15.4243% | 3,494 |
| Total risk-based capital ratio | 16.6742% | 3,455 |
| Memoranda: | ||
| Average total assets | $643,465,670 | 1,031 |
| Average earning assets | $570,500,000 | 1,062 |
| Average equity | $65,582,000 | 1,073 |
| Average total loans | $439,253,670 | 948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 4,603 |
| Cost of funding earning assets | 0.8380% | 3,166 |
| Net interest margin | 3.4930% | 4,742 |
| Noninterest income to average assets | 0.6394% | 2,994 |
| Noninterest expense to average assets | 2.6620% | 4,576 |
| Loan and lease loss provision to assets | 0.1305% | 3,713 |
| Net operating income to assets | 0.8516% | 3,152 |
| Return on assets (ROA) | 0.8516% | 3,389 |
| Pretax return on assets | 0.9727% | 3,787 |
| Return on Equity (ROE) | 8.0913% | 3,246 |
| Retained earnings to average equity (ytd only) | 8.0913% | 1,954 |
| Net charge-offs to loans | 0.4033% | 2,093 |
| Credit loss provision to net charge-offs | 47.0588% | 3,327 |
| Earnings coverage of net charge-offs (x) | 3.9774% | 2,702 |
| Efficiency ratio | 70.7000% | 3,676 |
| Assets per employee ($millions) | 4.9473% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 1,758 |
| Loan loss allowance to noncurrent loans | 182.6168% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 4,743 |
| Noncurrent loans to loans | 1.2380% | 4,267 |
| Net loans and leases to total assets | 64.9593% | 2,658 |
| Net loans and leases to deposits | 74.0045% | 3,124 |
| Net loans and leases to core deposits | 76.8223% | 3,502 |
| Total domestic deposits to total assets | 87.7774% | 2,481 |
| Equity capital to assets | 10.3766% | 3,641 |
| Core capital (leverage) ratio | 10.7200% | 2,528 |
| Tier 1 risk-based capital ratio | 16.6375% | 2,851 |
| Total risk-based capital ratio | 17.8875% | 2,803 |
| Memoranda: | ||
| Average total assets | $637,423,000 | 1,038 |
| Average earning assets | $570,390,500 | 1,068 |
| Average equity | $67,084,500 | 1,042 |
| Average total loans | $438,425,500 | 948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,136 |
| Cost of funding earning assets | 0.9710% | 3,572 |
| Net interest margin | 3.7560% | 4,049 |
| Noninterest income to average assets | 0.6373% | 2,964 |
| Noninterest expense to average assets | 2.7159% | 4,687 |
| Loan and lease loss provision to assets | 0.2437% | 3,770 |
| Net operating income to assets | 0.9869% | 2,246 |
| Return on assets (ROA) | 0.9869% | 2,391 |
| Pretax return on assets | 1.0668% | 2,969 |
| Return on Equity (ROE) | 9.2460% | 2,349 |
| Retained earnings to average equity (ytd only) | 0.1141% | 5,784 |
| Net charge-offs to loans | -0.1316% | 7,171 |
| Credit loss provision to net charge-offs | -250.0000% | 6,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4521% | 4,478 |
| Assets per employee ($millions) | 4.7107% | 2,582 |
| Cash dividends to net income (ytd only)* | 98.7654% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,678 |
| Loan loss allowance to noncurrent loans | 147.4318% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 4,260 |
| Noncurrent loans to loans | 1.5387% | 3,847 |
| Net loans and leases to total assets | 69.6010% | 2,113 |
| Net loans and leases to deposits | 79.7468% | 2,569 |
| Net loans and leases to core deposits | 82.9530% | 3,031 |
| Total domestic deposits to total assets | 87.2774% | 2,590 |
| Equity capital to assets | 10.6795% | 3,327 |
| Core capital (leverage) ratio | 10.6970% | 2,525 |
| Tier 1 risk-based capital ratio | 16.0102% | 3,043 |
| Total risk-based capital ratio | 17.2603% | 3,004 |
| Memoranda: | ||
| Average total assets | $615,550,800 | 1,056 |
| Average earning assets | $555,431,200 | 1,068 |
| Average equity | $65,704,200 | 1,025 |
| Average total loans | $455,930,200 | 917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 4,085 |
| Cost of funding earning assets | 0.9932% | 3,731 |
| Net interest margin | 3.7931% | 3,909 |
| Noninterest income to average assets | 0.6502% | 2,879 |
| Noninterest expense to average assets | 2.7292% | 4,618 |
| Loan and lease loss provision to assets | 0.2606% | 3,421 |
| Net operating income to assets | 1.0020% | 2,313 |
| Return on assets (ROA) | 1.0020% | 2,462 |
| Pretax return on assets | 1.0856% | 3,068 |
| Return on Equity (ROE) | 9.3880% | 2,430 |
| Retained earnings to average equity (ytd only) | -2.8201% | 6,396 |
| Net charge-offs to loans | -0.1980% | 7,261 |
| Credit loss provision to net charge-offs | -175.9531% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9686% | 4,531 |
| Assets per employee ($millions) | 4.7251% | 2,592 |
| Cash dividends to net income (ytd only)* | 130.0389% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1621% | 1,938 |
| Loan loss allowance to noncurrent loans | 177.3047% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 4,712 |
| Noncurrent loans to loans | 1.2194% | 4,511 |
| Net loans and leases to total assets | 71.3029% | 1,848 |
| Net loans and leases to deposits | 81.4373% | 2,459 |
| Net loans and leases to core deposits | 84.9462% | 2,921 |
| Total domestic deposits to total assets | 87.5556% | 2,324 |
| Equity capital to assets | 10.4127% | 3,814 |
| Core capital (leverage) ratio | 10.4907% | 2,880 |
| Tier 1 risk-based capital ratio | 15.1927% | 3,551 |
| Total risk-based capital ratio | 16.4557% | 3,507 |
| Memoranda: | ||
| Average total assets | $613,986,250 | 1,067 |
| Average earning assets | $554,434,250 | 1,083 |
| Average equity | $65,528,750 | 1,031 |
| Average total loans | $459,205,000 | 925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 4,076 |
| Cost of funding earning assets | 1.0188% | 3,826 |
| Net interest margin | 3.7880% | 3,848 |
| Noninterest income to average assets | 0.6500% | 2,840 |
| Noninterest expense to average assets | 2.7033% | 4,812 |
| Loan and lease loss provision to assets | 0.2947% | 3,045 |
| Net operating income to assets | 0.9971% | 2,239 |
| Return on assets (ROA) | 0.9971% | 2,345 |
| Pretax return on assets | 1.0856% | 2,912 |
| Return on Equity (ROE) | 9.2661% | 2,400 |
| Retained earnings to average equity (ytd only) | -8.9922% | 6,824 |
| Net charge-offs to loans | -0.3733% | 7,367 |
| Credit loss provision to net charge-offs | -104.6512% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1989% | 4,839 |
| Assets per employee ($millions) | 4.6081% | 2,675 |
| Cash dividends to net income (ytd only)* | 197.0443% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1143% | 2,093 |
| Loan loss allowance to noncurrent loans | 216.9908% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 5,203 |
| Noncurrent loans to loans | 0.9744% | 5,035 |
| Net loans and leases to total assets | 72.7730% | 1,635 |
| Net loans and leases to deposits | 82.9175% | 2,295 |
| Net loans and leases to core deposits | 86.3612% | 2,854 |
| Total domestic deposits to total assets | 87.7656% | 2,308 |
| Equity capital to assets | 10.2636% | 3,801 |
| Core capital (leverage) ratio | 10.2749% | 2,956 |
| Tier 1 risk-based capital ratio | 14.7926% | 3,619 |
| Total risk-based capital ratio | 16.0425% | 3,589 |
| Memoranda: | ||
| Average total assets | $610,744,670 | 1,084 |
| Average earning assets | $553,591,670 | 1,091 |
| Average equity | $65,723,330 | 1,027 |
| Average total loans | $460,756,000 | 939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 4,238 |
| Cost of funding earning assets | 1.0560% | 3,806 |
| Net interest margin | 3.7078% | 4,058 |
| Noninterest income to average assets | 0.6533% | 2,823 |
| Noninterest expense to average assets | 2.7884% | 4,499 |
| Loan and lease loss provision to assets | 0.3951% | 2,219 |
| Net operating income to assets | 0.7455% | 3,297 |
| Return on assets (ROA) | 0.7455% | 3,363 |
| Pretax return on assets | 0.8318% | 3,781 |
| Return on Equity (ROE) | 6.7686% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.7686% | 2,250 |
| Net charge-offs to loans | 0.0277% | 4,703 |
| Credit loss provision to net charge-offs | 1,875.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 58.2188% | 508 |
| Efficiency ratio | 69.4440% | 4,390 |
| Assets per employee ($millions) | 4.6425% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,825 |
| Loan loss allowance to noncurrent loans | 105.2540% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 4,063 |
| Noncurrent loans to loans | 1.7673% | 3,870 |
| Net loans and leases to total assets | 72.7501% | 1,567 |
| Net loans and leases to deposits | 83.4436% | 2,112 |
| Net loans and leases to core deposits | 87.2481% | 2,706 |
| Total domestic deposits to total assets | 87.1847% | 2,841 |
| Equity capital to assets | 10.9260% | 2,756 |
| Core capital (leverage) ratio | 11.1747% | 2,047 |
| Tier 1 risk-based capital ratio | 15.6883% | 3,061 |
| Total risk-based capital ratio | 16.9383% | 3,023 |
| Memoranda: | ||
| Average total assets | $607,374,000 | 1,097 |
| Average earning assets | $550,734,000 | 1,109 |
| Average equity | $66,897,000 | 1,005 |
| Average total loans | $461,599,500 | 950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 4,263 |
| Cost of funding earning assets | 1.3498% | 3,573 |
| Net interest margin | 3.7153% | 4,285 |
| Noninterest income to average assets | 0.6890% | 2,908 |
| Noninterest expense to average assets | 2.7262% | 4,870 |
| Loan and lease loss provision to assets | 0.7581% | 2,162 |
| Net operating income to assets | 0.5151% | 4,021 |
| Return on assets (ROA) | 0.5151% | 4,181 |
| Pretax return on assets | 0.5656% | 4,432 |
| Return on Equity (ROE) | 4.6472% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.6472% | 2,640 |
| Net charge-offs to loans | 0.3272% | 4,373 |
| Credit loss provision to net charge-offs | 296.4286% | 905 |
| Earnings coverage of net charge-offs (x) | 5.1759% | 2,695 |
| Efficiency ratio | 67.3140% | 4,703 |
| Assets per employee ($millions) | 4.5946% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 3,193 |
| Loan loss allowance to noncurrent loans | 99.3747% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 4,161 |
| Noncurrent loans to loans | 1.7178% | 3,927 |
| Net loans and leases to total assets | 76.6023% | 1,158 |
| Net loans and leases to deposits | 88.7143% | 1,691 |
| Net loans and leases to core deposits | 92.2719% | 2,471 |
| Total domestic deposits to total assets | 86.3472% | 3,171 |
| Equity capital to assets | 11.1052% | 2,592 |
| Core capital (leverage) ratio | 11.0201% | 2,146 |
| Tier 1 risk-based capital ratio | 15.4012% | 3,043 |
| Total risk-based capital ratio | 16.6513% | 3,004 |
| Memoranda: | ||
| Average total assets | $591,189,200 | 1,135 |
| Average earning assets | $534,816,000 | 1,140 |
| Average equity | $65,523,600 | 1,022 |
| Average total loans | $462,128,400 | 976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 4,473 |
| Cost of funding earning assets | 1.4019% | 3,573 |
| Net interest margin | 3.6691% | 4,544 |
| Noninterest income to average assets | 0.6933% | 2,855 |
| Noninterest expense to average assets | 2.7593% | 4,642 |
| Loan and lease loss provision to assets | 0.2808% | 4,328 |
| Net operating income to assets | 0.9024% | 2,597 |
| Return on assets (ROA) | 0.9024% | 2,746 |
| Pretax return on assets | 0.9700% | 3,292 |
| Return on Equity (ROE) | 8.1461% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.1461% | 1,373 |
| Net charge-offs to loans | 0.0523% | 5,998 |
| Credit loss provision to net charge-offs | 686.1878% | 430 |
| Earnings coverage of net charge-offs (x) | 30.5632% | 873 |
| Efficiency ratio | 68.8074% | 4,310 |
| Assets per employee ($millions) | 4.6348% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 5,110 |
| Loan loss allowance to noncurrent loans | 82.4727% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 4,492 |
| Noncurrent loans to loans | 1.5405% | 4,326 |
| Net loans and leases to total assets | 78.4672% | 961 |
| Net loans and leases to deposits | 91.0186% | 1,579 |
| Net loans and leases to core deposits | 94.6922% | 2,422 |
| Total domestic deposits to total assets | 86.2101% | 2,969 |
| Equity capital to assets | 11.2524% | 2,737 |
| Core capital (leverage) ratio | 11.2637% | 2,092 |
| Tier 1 risk-based capital ratio | 15.3215% | 3,090 |
| Total risk-based capital ratio | 16.5716% | 3,050 |
| Memoranda: | ||
| Average total assets | $589,662,250 | 1,145 |
| Average earning assets | $533,055,000 | 1,155 |
| Average equity | $65,321,750 | 1,025 |
| Average total loans | $461,288,250 | 986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 4,396 |
| Cost of funding earning assets | 1.4468% | 3,582 |
| Net interest margin | 3.6639% | 4,527 |
| Noninterest income to average assets | 0.6686% | 2,906 |
| Noninterest expense to average assets | 2.7135% | 4,855 |
| Loan and lease loss provision to assets | 0.2580% | 4,356 |
| Net operating income to assets | 0.9289% | 2,440 |
| Return on assets (ROA) | 0.9289% | 2,536 |
| Pretax return on assets | 1.0073% | 3,084 |
| Return on Equity (ROE) | 8.4305% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.4305% | 1,284 |
| Net charge-offs to loans | 0.0355% | 5,857 |
| Credit loss provision to net charge-offs | 934.5679% | 393 |
| Earnings coverage of net charge-offs (x) | 45.8395% | 646 |
| Efficiency ratio | 68.1997% | 4,539 |
| Assets per employee ($millions) | 4.6008% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,357 |
| Loan loss allowance to noncurrent loans | 354.1353% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 6,322 |
| Noncurrent loans to loans | 0.3439% | 6,546 |
| Net loans and leases to total assets | 77.2411% | 1,248 |
| Net loans and leases to deposits | 89.3991% | 1,948 |
| Net loans and leases to core deposits | 92.7765% | 2,880 |
| Total domestic deposits to total assets | 86.4004% | 2,867 |
| Equity capital to assets | 11.1223% | 2,754 |
| Core capital (leverage) ratio | 11.1885% | 2,112 |
| Tier 1 risk-based capital ratio | 15.1492% | 3,082 |
| Total risk-based capital ratio | 16.3990% | 3,033 |
| Memoranda: | ||
| Average total assets | $586,920,000 | 1,158 |
| Average earning assets | $530,256,670 | 1,163 |
| Average equity | $64,670,000 | 1,028 |
| Average total loans | $456,656,330 | 1,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 4,608 |
| Cost of funding earning assets | 1.4785% | 3,700 |
| Net interest margin | 3.6054% | 4,702 |
| Noninterest income to average assets | 0.6353% | 3,039 |
| Noninterest expense to average assets | 2.6161% | 5,285 |
| Loan and lease loss provision to assets | 0.2255% | 4,238 |
| Net operating income to assets | 0.9767% | 2,274 |
| Return on assets (ROA) | 0.9767% | 2,334 |
| Pretax return on assets | 1.0479% | 2,910 |
| Return on Equity (ROE) | 8.9064% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.9064% | 1,424 |
| Net charge-offs to loans | 0.0406% | 5,010 |
| Credit loss provision to net charge-offs | 715.2174% | 628 |
| Earnings coverage of net charge-offs (x) | 40.3913% | 681 |
| Efficiency ratio | 67.2599% | 4,864 |
| Assets per employee ($millions) | 4.6233% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,837 |
| Loan loss allowance to noncurrent loans | 218.7604% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 5,948 |
| Noncurrent loans to loans | 0.5191% | 6,252 |
| Net loans and leases to total assets | 77.9726% | 1,157 |
| Net loans and leases to deposits | 89.7632% | 1,933 |
| Net loans and leases to core deposits | 93.0147% | 2,973 |
| Total domestic deposits to total assets | 86.8648% | 2,698 |
| Equity capital to assets | 11.0213% | 2,737 |
| Core capital (leverage) ratio | 11.2713% | 2,045 |
| Tier 1 risk-based capital ratio | 14.9119% | 3,145 |
| Total risk-based capital ratio | 16.1555% | 3,115 |
| Memoranda: | ||
| Average total assets | $583,625,500 | 1,190 |
| Average earning assets | $526,767,000 | 1,207 |
| Average equity | $63,999,000 | 1,044 |
| Average total loans | $452,942,000 | 1,036 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 4,379 |
| Cost of funding earning assets | 1.8175% | 3,897 |
| Net interest margin | 3.6440% | 4,377 |
| Noninterest income to average assets | 0.6937% | 3,022 |
| Noninterest expense to average assets | 2.7547% | 5,150 |
| Loan and lease loss provision to assets | 0.3417% | 4,749 |
| Net operating income to assets | 0.8977% | 2,184 |
| Return on assets (ROA) | 0.8977% | 2,253 |
| Pretax return on assets | 0.9470% | 2,769 |
| Return on Equity (ROE) | 8.2682% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.2682% | 634 |
| Net charge-offs to loans | 0.3618% | 4,416 |
| Credit loss provision to net charge-offs | 120.9494% | 4,413 |
| Earnings coverage of net charge-offs (x) | 4.5620% | 2,905 |
| Efficiency ratio | 68.1288% | 4,982 |
| Assets per employee ($millions) | 4.5677% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,786 |
| Loan loss allowance to noncurrent loans | 194.8316% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 6,039 |
| Noncurrent loans to loans | 0.5768% | 6,090 |
| Net loans and leases to total assets | 75.4752% | 1,926 |
| Net loans and leases to deposits | 87.1241% | 2,714 |
| Net loans and leases to core deposits | 111.4679% | 2,753 |
| Total domestic deposits to total assets | 86.6296% | 2,690 |
| Equity capital to assets | 10.9096% | 2,769 |
| Core capital (leverage) ratio | 10.9710% | 2,242 |
| Tier 1 risk-based capital ratio | 15.1995% | 2,841 |
| Total risk-based capital ratio | 16.4278% | 2,813 |
| Memoranda: | ||
| Average total assets | $559,344,000 | 1,242 |
| Average earning assets | $514,162,200 | 1,226 |
| Average equity | $60,726,600 | 1,094 |
| Average total loans | $436,739,400 | 1,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 4,508 |
| Cost of funding earning assets | 1.8792% | 3,991 |
| Net interest margin | 3.6023% | 4,474 |
| Noninterest income to average assets | 0.6973% | 3,031 |
| Noninterest expense to average assets | 2.7823% | 4,962 |
| Loan and lease loss provision to assets | 0.3496% | 4,225 |
| Net operating income to assets | 0.8551% | 2,591 |
| Return on assets (ROA) | 0.8551% | 2,657 |
| Pretax return on assets | 0.9018% | 3,222 |
| Return on Equity (ROE) | 7.8862% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.8862% | 1,167 |
| Net charge-offs to loans | 0.3502% | 3,892 |
| Credit loss provision to net charge-offs | 127.1216% | 3,954 |
| Earnings coverage of net charge-offs (x) | 4.5503% | 3,098 |
| Efficiency ratio | 68.9770% | 4,793 |
| Assets per employee ($millions) | 4.4412% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,686 |
| Loan loss allowance to noncurrent loans | 127.4106% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 5,309 |
| Noncurrent loans to loans | 0.8679% | 5,553 |
| Net loans and leases to total assets | 78.5695% | 1,467 |
| Net loans and leases to deposits | 91.2315% | 2,355 |
| Net loans and leases to core deposits | 119.3953% | 2,302 |
| Total domestic deposits to total assets | 86.1210% | 2,637 |
| Equity capital to assets | 10.9602% | 3,051 |
| Core capital (leverage) ratio | 10.8606% | 2,516 |
| Tier 1 risk-based capital ratio | 15.0806% | 3,003 |
| Total risk-based capital ratio | 16.3221% | 2,947 |
| Memoranda: | ||
| Average total assets | $554,156,250 | 1,261 |
| Average earning assets | $513,251,250 | 1,243 |
| Average equity | $60,086,750 | 1,118 |
| Average total loans | $435,223,250 | 1,123 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5218% | 4,499 |
| Cost of funding earning assets | 1.9415% | 4,056 |
| Net interest margin | 3.5803% | 4,447 |
| Noninterest income to average assets | 0.7080% | 2,945 |
| Noninterest expense to average assets | 2.8791% | 4,583 |
| Loan and lease loss provision to assets | 0.2890% | 4,262 |
| Net operating income to assets | 0.8064% | 2,830 |
| Return on assets (ROA) | 0.8064% | 2,926 |
| Pretax return on assets | 0.8561% | 3,488 |
| Return on Equity (ROE) | 7.4644% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.4644% | 1,406 |
| Net charge-offs to loans | 0.2576% | 3,901 |
| Credit loss provision to net charge-offs | 143.4234% | 3,238 |
| Earnings coverage of net charge-offs (x) | 5.6829% | 2,782 |
| Efficiency ratio | 71.5446% | 4,498 |
| Assets per employee ($millions) | 4.3835% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,463 |
| Loan loss allowance to noncurrent loans | 156.8860% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 5,852 |
| Noncurrent loans to loans | 0.7132% | 5,809 |
| Net loans and leases to total assets | 78.1899% | 1,702 |
| Net loans and leases to deposits | 90.5982% | 2,735 |
| Net loans and leases to core deposits | 118.3974% | 2,511 |
| Total domestic deposits to total assets | 86.3041% | 2,622 |
| Equity capital to assets | 10.9513% | 2,964 |
| Core capital (leverage) ratio | 10.8888% | 2,494 |
| Tier 1 risk-based capital ratio | 15.0980% | 2,982 |
| Total risk-based capital ratio | 16.3498% | 2,915 |
| Memoranda: | ||
| Average total assets | $550,864,330 | 1,285 |
| Average earning assets | $510,233,670 | 1,266 |
| Average equity | $59,509,330 | 1,140 |
| Average total loans | $430,927,000 | 1,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 4,766 |
| Cost of funding earning assets | 2.0199% | 4,035 |
| Net interest margin | 3.5084% | 4,693 |
| Noninterest income to average assets | 0.6973% | 2,905 |
| Noninterest expense to average assets | 2.7848% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0994% | 1,968 |
| Return on assets (ROA) | 1.0994% | 2,092 |
| Pretax return on assets | 1.1721% | 2,716 |
| Return on Equity (ROE) | 10.2472% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.2472% | 1,130 |
| Net charge-offs to loans | 0.4037% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.7315% | 3,085 |
| Efficiency ratio | 70.3785% | 4,498 |
| Assets per employee ($millions) | 4.4057% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,381 |
| Loan loss allowance to noncurrent loans | 115.1093% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,429 |
| Noncurrent loans to loans | 0.8412% | 5,337 |
| Net loans and leases to total assets | 78.2381% | 1,765 |
| Net loans and leases to deposits | 90.0107% | 2,929 |
| Net loans and leases to core deposits | 118.7613% | 2,531 |
| Total domestic deposits to total assets | 86.9209% | 2,258 |
| Equity capital to assets | 10.8545% | 3,118 |
| Core capital (leverage) ratio | 10.9053% | 2,578 |
| Tier 1 risk-based capital ratio | 14.8064% | 3,154 |
| Total risk-based capital ratio | 15.8767% | 3,174 |
| Memoranda: | ||
| Average total assets | $550,137,500 | 1,289 |
| Average earning assets | $511,123,000 | 1,265 |
| Average equity | $59,021,000 | 1,155 |
| Average total loans | $428,018,500 | 1,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2477% | 4,256 |
| Cost of funding earning assets | 2.4612% | 4,417 |
| Net interest margin | 3.7864% | 4,075 |
| Noninterest income to average assets | 0.7161% | 3,017 |
| Noninterest expense to average assets | 2.6135% | 5,599 |
| Loan and lease loss provision to assets | -0.0133% | 8,204 |
| Net operating income to assets | 1.5312% | 958 |
| Return on assets (ROA) | 1.5312% | 929 |
| Pretax return on assets | 1.6429% | 1,282 |
| Return on Equity (ROE) | 14.6742% | 978 |
| Retained earnings to average equity (ytd only) | 4.0880% | 2,587 |
| Net charge-offs to loans | 0.0799% | 5,622 |
| Credit loss provision to net charge-offs | -22.1538% | 7,275 |
| Earnings coverage of net charge-offs (x) | 27.2369% | 1,252 |
| Efficiency ratio | 61.5932% | 6,028 |
| Assets per employee ($millions) | 4.3965% | 2,797 |
| Cash dividends to net income (ytd only)* | 72.1414% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,253 |
| Loan loss allowance to noncurrent loans | 641.5746% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 7,007 |
| Noncurrent loans to loans | 0.1720% | 6,874 |
| Net loans and leases to total assets | 75.7533% | 2,692 |
| Net loans and leases to deposits | 88.4098% | 3,739 |
| Net loans and leases to core deposits | 118.7139% | 2,813 |
| Total domestic deposits to total assets | 85.6843% | 2,544 |
| Equity capital to assets | 10.6020% | 3,386 |
| Core capital (leverage) ratio | 10.6387% | 2,875 |
| Tier 1 risk-based capital ratio | 14.7169% | 3,196 |
| Total risk-based capital ratio | 15.9174% | 3,141 |
| Memoranda: | ||
| Average total assets | $543,185,000 | 1,252 |
| Average earning assets | $505,965,600 | 1,215 |
| Average equity | $56,677,800 | 1,184 |
| Average total loans | $406,534,000 | 1,190 |