Home > First Northern Bank and Trust Company > Performance and Condition Ratios
First Northern Bank and Trust Company, 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 | 4.7463% | 2,581 |
| Cost of funding earning assets | 1.1480% | 2,943 |
| Net interest margin | 3.5982% | 1,974 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4989% | 2,301 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0751% | 1,993 |
| Return on assets (ROA) | 1.0748% | 1,965 |
| Pretax return on assets | 1.2519% | 2,004 |
| Return on Equity (ROE) | 9.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.1467% | 1,853 |
| Net charge-offs to loans | 0.0198% | 1,947 |
| Credit loss provision to net charge-offs | 518.8679% | 649 |
| Earnings coverage of net charge-offs (x) | 116.6415% | 833 |
| Efficiency ratio | 65.5973% | 2,404 |
| Assets per employee ($millions) | 6.4981% | 2,418 |
| Cash dividends to net income (ytd only)* | 25.7396% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 720 |
| Loan loss allowance to noncurrent loans | 302.0014% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 748 |
| Noncurrent loans to loans | 0.5516% | 1,422 |
| Net loans and leases to total assets | 57.3600% | 3,092 |
| Net loans and leases to deposits | 66.2737% | 3,156 |
| Net loans and leases to core deposits | 68.3920% | 3,381 |
| Total domestic deposits to total assets | 86.5500% | 1,836 |
| Equity capital to assets | 12.3199% | 1,029 |
| Core capital (leverage) ratio | 12.8248% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $943,414,800 | 1,034 |
| Average earning assets | $884,459,200 | 1,016 |
| Average equity | $105,362,800 | 913 |
| Average total loans | $536,276,400 | 1,170 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,748 |
| Cost of funding earning assets | 1.0398% | 2,926 |
| Net interest margin | 3.5315% | 2,145 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.1666% | 3,159 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1271% | 1,977 |
| Return on assets (ROA) | 1.1267% | 1,953 |
| Pretax return on assets | 1.3564% | 1,875 |
| Return on Equity (ROE) | 10.3500% | 2,546 |
| Retained earnings to average equity (ytd only) | 7.8232% | 2,031 |
| Net charge-offs to loans | 0.0437% | 1,262 |
| Credit loss provision to net charge-offs | 231.2500% | 1,031 |
| Earnings coverage of net charge-offs (x) | 57.2557% | 1,230 |
| Efficiency ratio | 60.5102% | 2,906 |
| Assets per employee ($millions) | 6.9594% | 1,983 |
| Cash dividends to net income (ytd only)* | 24.3836% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 808 |
| Loan loss allowance to noncurrent loans | 288.9924% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 1,031 |
| Noncurrent loans to loans | 0.5666% | 1,415 |
| Net loans and leases to total assets | 52.8200% | 3,435 |
| Net loans and leases to deposits | 59.5935% | 3,528 |
| Net loans and leases to core deposits | 61.1863% | 3,645 |
| Total domestic deposits to total assets | 88.6400% | 1,364 |
| Equity capital to assets | 10.1889% | 1,712 |
| Core capital (leverage) ratio | 12.8637% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $950,211,750 | 1,034 |
| Average earning assets | $890,925,750 | 1,015 |
| Average equity | $103,484,000 | 919 |
| Average total loans | $536,733,500 | 1,167 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 2,507 |
| Cost of funding earning assets | 0.9810% | 2,663 |
| Net interest margin | 3.5773% | 2,084 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1894% | 3,107 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1049% | 2,116 |
| Return on assets (ROA) | 1.1042% | 2,105 |
| Pretax return on assets | 1.3218% | 2,013 |
| Return on Equity (ROE) | 9.9100% | 2,729 |
| Retained earnings to average equity (ytd only) | 7.4146% | 2,158 |
| Net charge-offs to loans | -0.0037% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4275% | 2,907 |
| Assets per employee ($millions) | 6.4324% | 2,351 |
| Cash dividends to net income (ytd only)* | 25.2125% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 828 |
| Loan loss allowance to noncurrent loans | 519.2952% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,124 |
| Noncurrent loans to loans | 0.3186% | 2,001 |
| Net loans and leases to total assets | 59.3400% | 2,833 |
| Net loans and leases to deposits | 68.2754% | 2,907 |
| Net loans and leases to core deposits | 69.9812% | 3,134 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 11.7101% | 1,130 |
| Core capital (leverage) ratio | 12.7647% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $937,536,667 | 1,034 |
| Average earning assets | $878,474,333 | 1,020 |
| Average equity | $104,415,333 | 909 |
| Average total loans | $538,740,000 | 1,157 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,457 |
| Cost of funding earning assets | 0.9695% | 2,155 |
| Net interest margin | 3.4630% | 2,466 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.0853% | 3,414 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1359% | 2,108 |
| Return on assets (ROA) | 1.1359% | 2,077 |
| Pretax return on assets | 1.3443% | 2,040 |
| Return on Equity (ROE) | 10.4500% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.9387% | 2,234 |
| Net charge-offs to loans | 0.0022% | 1,950 |
| Credit loss provision to net charge-offs | 6,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,133.0000% | 90 |
| Efficiency ratio | 59.4537% | 3,028 |
| Assets per employee ($millions) | 7.1162% | 1,883 |
| Cash dividends to net income (ytd only)* | 24.0516% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 990 |
| Loan loss allowance to noncurrent loans | 556.1133% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,132 |
| Noncurrent loans to loans | 0.2898% | 2,106 |
| Net loans and leases to total assets | 57.0400% | 2,954 |
| Net loans and leases to deposits | 65.3677% | 2,988 |
| Net loans and leases to core deposits | 66.9406% | 3,162 |
| Total domestic deposits to total assets | 87.2600% | 2,175 |
| Equity capital to assets | 11.4682% | 1,166 |
| Core capital (leverage) ratio | 12.1553% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $956,037,000 | 1,034 |
| Average earning assets | $895,750,000 | 1,016 |
| Average equity | $103,896,000 | 922 |
| Average total loans | $536,425,000 | 1,171 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 2,911 |
| Cost of funding earning assets | 0.5279% | 1,224 |
| Net interest margin | 3.0329% | 3,348 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.1471% | 3,166 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8005% | 3,327 |
| Return on assets (ROA) | 0.8003% | 3,253 |
| Pretax return on assets | 0.9688% | 3,162 |
| Return on Equity (ROE) | 7.3800% | 3,548 |
| Retained earnings to average equity (ytd only) | 4.8791% | 3,103 |
| Net charge-offs to loans | 0.0093% | 2,032 |
| Credit loss provision to net charge-offs | 134.0000% | 1,381 |
| Earnings coverage of net charge-offs (x) | 188.1200% | 682 |
| Efficiency ratio | 68.7477% | 1,869 |
| Assets per employee ($millions) | 7.2042% | 1,820 |
| Cash dividends to net income (ytd only)* | 33.8434% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,147 |
| Loan loss allowance to noncurrent loans | 539.9735% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 1,229 |
| Noncurrent loans to loans | 0.2816% | 2,142 |
| Net loans and leases to total assets | 53.5400% | 3,236 |
| Net loans and leases to deposits | 60.4775% | 3,304 |
| Net loans and leases to core deposits | 61.8646% | 3,397 |
| Total domestic deposits to total assets | 88.5200% | 1,874 |
| Equity capital to assets | 10.3042% | 1,551 |
| Core capital (leverage) ratio | 11.4532% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $963,681,000 | 1,015 |
| Average earning assets | $913,942,800 | 981 |
| Average equity | $104,568,200 | 915 |
| Average total loans | $539,234,200 | 1,115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 3,259 |
| Cost of funding earning assets | 0.3666% | 1,551 |
| Net interest margin | 2.9036% | 3,491 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.0096% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8180% | 3,176 |
| Return on assets (ROA) | 0.8176% | 3,145 |
| Pretax return on assets | 0.9975% | 3,017 |
| Return on Equity (ROE) | 7.4400% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.9591% | 3,114 |
| Net charge-offs to loans | 0.0202% | 1,429 |
| Credit loss provision to net charge-offs | 3.6585% | 1,676 |
| Earnings coverage of net charge-offs (x) | 87.4634% | 1,008 |
| Efficiency ratio | 66.8101% | 2,180 |
| Assets per employee ($millions) | 7.4514% | 1,646 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,307 |
| Loan loss allowance to noncurrent loans | 532.1452% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 1,358 |
| Noncurrent loans to loans | 0.2807% | 2,248 |
| Net loans and leases to total assets | 52.8600% | 3,198 |
| Net loans and leases to deposits | 58.6757% | 3,296 |
| Net loans and leases to core deposits | 59.9260% | 3,391 |
| Total domestic deposits to total assets | 90.0800% | 1,622 |
| Equity capital to assets | 9.7018% | 1,770 |
| Core capital (leverage) ratio | 11.9080% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $957,857,750 | 1,033 |
| Average earning assets | $910,753,750 | 992 |
| Average equity | $105,285,250 | 924 |
| Average total loans | $539,904,500 | 1,115 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 3,241 |
| Cost of funding earning assets | 0.2586% | 2,158 |
| Net interest margin | 2.8683% | 3,246 |
| Noninterest income to average assets | 0.2440% | 3,707 |
| Noninterest expense to average assets | 2.0031% | 3,421 |
| Loan and lease loss provision to assets | 0.0004% | 2,594 |
| Net operating income to assets | 0.7926% | 2,987 |
| Return on assets (ROA) | 0.7921% | 2,956 |
| Pretax return on assets | 0.9719% | 2,822 |
| Return on Equity (ROE) | 6.9171% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.4970% | 2,882 |
| Net charge-offs to loans | 0.0337% | 1,061 |
| Credit loss provision to net charge-offs | 2.1978% | 1,657 |
| Earnings coverage of net charge-offs (x) | 50.3516% | 1,155 |
| Efficiency ratio | 67.3065% | 2,341 |
| Assets per employee ($millions) | 6.8171% | 2,058 |
| Cash dividends to net income (ytd only)* | 34.9866% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,404 |
| Loan loss allowance to noncurrent loans | 260.0258% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 934 |
| Noncurrent loans to loans | 0.5770% | 1,462 |
| Net loans and leases to total assets | 56.6123% | 2,688 |
| Net loans and leases to deposits | 63.8313% | 2,738 |
| Net loans and leases to core deposits | 65.1476% | 2,887 |
| Total domestic deposits to total assets | 88.6905% | 2,298 |
| Equity capital to assets | 11.0857% | 1,171 |
| Core capital (leverage) ratio | 11.9470% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $941,829,667 | 1,042 |
| Average earning assets | $897,111,333 | 1,011 |
| Average equity | $107,849,000 | 917 |
| Average total loans | $539,950,333 | 1,105 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 3,394 |
| Cost of funding earning assets | 0.1942% | 2,873 |
| Net interest margin | 2.7577% | 3,260 |
| Noninterest income to average assets | 0.2322% | 3,758 |
| Noninterest expense to average assets | 1.9455% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7494% | 2,855 |
| Return on assets (ROA) | 0.7494% | 2,848 |
| Pretax return on assets | 0.9237% | 2,684 |
| Return on Equity (ROE) | 6.4433% | 3,203 |
| Retained earnings to average equity (ytd only) | 4.0689% | 2,910 |
| Net charge-offs to loans | 0.0362% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 44.5714% | 966 |
| Efficiency ratio | 67.8066% | 2,531 |
| Assets per employee ($millions) | 7.0828% | 1,936 |
| Cash dividends to net income (ytd only)* | 36.8510% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,488 |
| Loan loss allowance to noncurrent loans | 245.8384% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 971 |
| Noncurrent loans to loans | 0.6194% | 1,513 |
| Net loans and leases to total assets | 55.5625% | 2,569 |
| Net loans and leases to deposits | 62.8773% | 2,637 |
| Net loans and leases to core deposits | 64.2012% | 2,780 |
| Total domestic deposits to total assets | 88.3665% | 2,349 |
| Equity capital to assets | 11.4063% | 1,157 |
| Core capital (leverage) ratio | 11.7998% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $945,770,500 | 1,041 |
| Average earning assets | $904,383,000 | 1,009 |
| Average equity | $110,006,000 | 930 |
| Average total loans | $541,534,500 | 1,096 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 3,445 |
| Cost of funding earning assets | 0.2226% | 3,226 |
| Net interest margin | 2.9896% | 3,224 |
| Noninterest income to average assets | 0.3806% | 3,162 |
| Noninterest expense to average assets | 2.2944% | 2,812 |
| Loan and lease loss provision to assets | 0.0551% | 1,948 |
| Net operating income to assets | 0.7258% | 3,550 |
| Return on assets (ROA) | 0.7258% | 3,615 |
| Pretax return on assets | 0.8896% | 3,533 |
| Return on Equity (ROE) | 5.9487% | 3,788 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,379 |
| Net charge-offs to loans | -0.0673% | 4,441 |
| Credit loss provision to net charge-offs | -131.2500% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8340% | 1,640 |
| Assets per employee ($millions) | 6.8807% | 2,007 |
| Cash dividends to net income (ytd only)* | 39.3131% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,647 |
| Loan loss allowance to noncurrent loans | 229.0014% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 1,014 |
| Noncurrent loans to loans | 0.6445% | 1,548 |
| Net loans and leases to total assets | 57.2314% | 2,450 |
| Net loans and leases to deposits | 65.1015% | 2,590 |
| Net loans and leases to core deposits | 66.4285% | 2,782 |
| Total domestic deposits to total assets | 87.9111% | 2,094 |
| Equity capital to assets | 11.8547% | 1,316 |
| Core capital (leverage) ratio | 11.2686% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $914,667,200 | 1,030 |
| Average earning assets | $874,564,800 | 1,003 |
| Average equity | $111,603,800 | 928 |
| Average total loans | $570,309,600 | 1,059 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 3,512 |
| Cost of funding earning assets | 0.2295% | 3,332 |
| Net interest margin | 3.0209% | 3,257 |
| Noninterest income to average assets | 0.3829% | 3,188 |
| Noninterest expense to average assets | 2.1803% | 3,137 |
| Loan and lease loss provision to assets | 0.0742% | 1,561 |
| Net operating income to assets | 0.8249% | 3,456 |
| Return on assets (ROA) | 0.8249% | 3,529 |
| Pretax return on assets | 1.0145% | 3,412 |
| Return on Equity (ROE) | 6.7106% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.3664% | 3,457 |
| Net charge-offs to loans | -0.0768% | 4,518 |
| Credit loss provision to net charge-offs | -152.2659% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6982% | 2,007 |
| Assets per employee ($millions) | 7.2308% | 1,719 |
| Cash dividends to net income (ytd only)* | 34.9331% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,813 |
| Loan loss allowance to noncurrent loans | 218.9767% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 1,087 |
| Noncurrent loans to loans | 0.6624% | 1,653 |
| Net loans and leases to total assets | 53.9049% | 2,983 |
| Net loans and leases to deposits | 62.1256% | 3,026 |
| Net loans and leases to core deposits | 63.3327% | 3,192 |
| Total domestic deposits to total assets | 86.7676% | 2,443 |
| Equity capital to assets | 11.0658% | 1,970 |
| Core capital (leverage) ratio | 11.6022% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $905,950,500 | 1,053 |
| Average earning assets | $865,513,750 | 1,022 |
| Average equity | $111,363,750 | 942 |
| Average total loans | $574,993,750 | 1,072 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 3,248 |
| Cost of funding earning assets | 0.2424% | 3,352 |
| Net interest margin | 3.1324% | 2,948 |
| Noninterest income to average assets | 0.3090% | 3,579 |
| Noninterest expense to average assets | 2.2740% | 2,846 |
| Loan and lease loss provision to assets | 0.1157% | 1,092 |
| Net operating income to assets | 0.7446% | 3,653 |
| Return on assets (ROA) | 0.7446% | 3,719 |
| Pretax return on assets | 0.9119% | 3,634 |
| Return on Equity (ROE) | 5.8298% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.4759% | 3,694 |
| Net charge-offs to loans | -0.0802% | 4,547 |
| Credit loss provision to net charge-offs | -215.4506% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8765% | 1,776 |
| Assets per employee ($millions) | 6.2557% | 2,384 |
| Cash dividends to net income (ytd only)* | 40.3775% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,938 |
| Loan loss allowance to noncurrent loans | 221.8273% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,015 |
| Noncurrent loans to loans | 0.6352% | 1,821 |
| Net loans and leases to total assets | 62.4817% | 2,122 |
| Net loans and leases to deposits | 73.6006% | 2,037 |
| Net loans and leases to core deposits | 75.2350% | 2,308 |
| Total domestic deposits to total assets | 84.8929% | 3,143 |
| Equity capital to assets | 12.4709% | 1,144 |
| Core capital (leverage) ratio | 12.2689% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $868,084,333 | 1,083 |
| Average earning assets | $829,344,667 | 1,058 |
| Average equity | $110,878,000 | 934 |
| Average total loans | $580,766,333 | 1,064 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 2,937 |
| Cost of funding earning assets | 0.2573% | 3,403 |
| Net interest margin | 3.2382% | 2,578 |
| Noninterest income to average assets | 0.2340% | 3,987 |
| Noninterest expense to average assets | 2.2792% | 2,853 |
| Loan and lease loss provision to assets | 0.0964% | 1,394 |
| Net operating income to assets | 0.7786% | 3,488 |
| Return on assets (ROA) | 0.7786% | 3,554 |
| Pretax return on assets | 0.9560% | 3,484 |
| Return on Equity (ROE) | 6.0215% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.6585% | 3,603 |
| Net charge-offs to loans | -0.0286% | 4,149 |
| Credit loss provision to net charge-offs | -490.4762% | 3,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4129% | 1,879 |
| Assets per employee ($millions) | 6.0158% | 2,591 |
| Cash dividends to net income (ytd only)* | 39.2428% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,487 |
| Loan loss allowance to noncurrent loans | 233.3437% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,172 |
| Noncurrent loans to loans | 0.5526% | 2,204 |
| Net loans and leases to total assets | 65.3895% | 1,886 |
| Net loans and leases to deposits | 77.2294% | 1,780 |
| Net loans and leases to core deposits | 79.1701% | 2,081 |
| Total domestic deposits to total assets | 84.6691% | 3,231 |
| Equity capital to assets | 12.5842% | 1,051 |
| Core capital (leverage) ratio | 12.7226% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $854,846,500 | 1,089 |
| Average earning assets | $817,727,000 | 1,060 |
| Average equity | $110,537,000 | 927 |
| Average total loans | $587,687,500 | 1,052 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 2,775 |
| Cost of funding earning assets | 0.3744% | 3,742 |
| Net interest margin | 3.6114% | 2,105 |
| Noninterest income to average assets | 0.2888% | 3,758 |
| Noninterest expense to average assets | 2.5920% | 2,579 |
| Loan and lease loss provision to assets | 0.2035% | 1,930 |
| Net operating income to assets | 0.7991% | 3,098 |
| Return on assets (ROA) | 0.7986% | 3,218 |
| Pretax return on assets | 0.9742% | 3,130 |
| Return on Equity (ROE) | 5.7581% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.3573% | 3,147 |
| Net charge-offs to loans | -0.0176% | 4,393 |
| Credit loss provision to net charge-offs | -1,533.6538% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7487% | 2,131 |
| Assets per employee ($millions) | 5.7337% | 2,597 |
| Cash dividends to net income (ytd only)* | 41.6933% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,833 |
| Loan loss allowance to noncurrent loans | 221.4286% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 1,212 |
| Noncurrent loans to loans | 0.5519% | 2,331 |
| Net loans and leases to total assets | 70.5206% | 1,490 |
| Net loans and leases to deposits | 85.0129% | 1,354 |
| Net loans and leases to core deposits | 87.1850% | 1,776 |
| Total domestic deposits to total assets | 82.9528% | 3,424 |
| Equity capital to assets | 13.2966% | 1,000 |
| Core capital (leverage) ratio | 13.0314% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $783,862,600 | 1,078 |
| Average earning assets | $755,671,000 | 1,040 |
| Average equity | $108,717,200 | 897 |
| Average total loans | $589,606,000 | 996 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 2,790 |
| Cost of funding earning assets | 0.3994% | 3,808 |
| Net interest margin | 3.6605% | 2,062 |
| Noninterest income to average assets | 0.3024% | 3,675 |
| Noninterest expense to average assets | 2.5105% | 2,806 |
| Loan and lease loss provision to assets | 0.2149% | 1,874 |
| Net operating income to assets | 0.8972% | 2,722 |
| Return on assets (ROA) | 0.8965% | 2,839 |
| Pretax return on assets | 1.1060% | 2,726 |
| Return on Equity (ROE) | 6.3931% | 3,413 |
| Retained earnings to average equity (ytd only) | 3.9817% | 3,059 |
| Net charge-offs to loans | 0.0199% | 2,460 |
| Credit loss provision to net charge-offs | 1,413.6364% | 644 |
| Earnings coverage of net charge-offs (x) | 86.9659% | 871 |
| Efficiency ratio | 65.5099% | 2,525 |
| Assets per employee ($millions) | 5.8006% | 2,450 |
| Cash dividends to net income (ytd only)* | 37.7191% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,302 |
| Loan loss allowance to noncurrent loans | 169.7269% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 1,347 |
| Noncurrent loans to loans | 0.6366% | 2,204 |
| Net loans and leases to total assets | 73.5534% | 1,428 |
| Net loans and leases to deposits | 88.8295% | 1,391 |
| Net loans and leases to core deposits | 91.1707% | 1,871 |
| Total domestic deposits to total assets | 82.8029% | 3,189 |
| Equity capital to assets | 13.2471% | 1,082 |
| Core capital (leverage) ratio | 13.3691% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $771,981,250 | 1,073 |
| Average earning assets | $744,443,500 | 1,036 |
| Average equity | $108,260,000 | 893 |
| Average total loans | $588,619,000 | 991 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,028 |
| Cost of funding earning assets | 0.4396% | 3,848 |
| Net interest margin | 3.6709% | 2,266 |
| Noninterest income to average assets | 0.2608% | 3,909 |
| Noninterest expense to average assets | 2.5874% | 2,705 |
| Loan and lease loss provision to assets | 0.2237% | 1,869 |
| Net operating income to assets | 0.7852% | 3,083 |
| Return on assets (ROA) | 0.7852% | 3,204 |
| Pretax return on assets | 1.0063% | 3,006 |
| Return on Equity (ROE) | 5.4866% | 3,680 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,363 |
| Net charge-offs to loans | 0.0138% | 2,477 |
| Credit loss provision to net charge-offs | 2,100.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 115.4500% | 644 |
| Efficiency ratio | 67.7784% | 2,266 |
| Assets per employee ($millions) | 5.4972% | 2,641 |
| Cash dividends to net income (ytd only)* | 44.2673% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,444 |
| Loan loss allowance to noncurrent loans | 146.2601% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 1,265 |
| Noncurrent loans to loans | 0.7006% | 2,124 |
| Net loans and leases to total assets | 76.4806% | 1,065 |
| Net loans and leases to deposits | 93.0278% | 1,049 |
| Net loans and leases to core deposits | 95.7879% | 1,594 |
| Total domestic deposits to total assets | 82.2126% | 3,313 |
| Equity capital to assets | 13.7065% | 925 |
| Core capital (leverage) ratio | 13.4453% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $750,877,667 | 1,085 |
| Average earning assets | $727,501,000 | 1,036 |
| Average equity | $107,462,667 | 896 |
| Average total loans | $577,793,000 | 990 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,117 |
| Cost of funding earning assets | 0.5245% | 3,827 |
| Net interest margin | 3.7059% | 2,303 |
| Noninterest income to average assets | 0.2599% | 3,989 |
| Noninterest expense to average assets | 2.6725% | 2,773 |
| Loan and lease loss provision to assets | 0.1611% | 1,796 |
| Net operating income to assets | 0.8193% | 2,837 |
| Return on assets (ROA) | 0.8193% | 2,929 |
| Pretax return on assets | 1.0284% | 2,747 |
| Return on Equity (ROE) | 5.5937% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.1340% | 3,021 |
| Net charge-offs to loans | -0.0216% | 4,355 |
| Credit loss provision to net charge-offs | -973.3333% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2000% | 2,482 |
| Assets per employee ($millions) | 4.8952% | 2,759 |
| Cash dividends to net income (ytd only)* | 43.9731% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,423 |
| Loan loss allowance to noncurrent loans | 120.4508% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 1,206 |
| Noncurrent loans to loans | 0.8755% | 1,860 |
| Net loans and leases to total assets | 75.6166% | 1,364 |
| Net loans and leases to deposits | 91.8587% | 1,301 |
| Net loans and leases to core deposits | 94.9687% | 1,884 |
| Total domestic deposits to total assets | 82.3184% | 3,325 |
| Equity capital to assets | 14.7072% | 836 |
| Core capital (leverage) ratio | 14.2777% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,020,500 | 1,080 |
| Average earning assets | $704,716,000 | 1,030 |
| Average equity | $106,190,500 | 904 |
| Average total loans | $556,598,500 | 1,002 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 3,454 |
| Cost of funding earning assets | 0.6223% | 3,546 |
| Net interest margin | 3.7089% | 2,793 |
| Noninterest income to average assets | 0.3178% | 3,794 |
| Noninterest expense to average assets | 2.9170% | 2,241 |
| Loan and lease loss provision to assets | 0.0642% | 2,744 |
| Net operating income to assets | 0.7762% | 3,626 |
| Return on assets (ROA) | 0.7757% | 3,707 |
| Pretax return on assets | 0.9347% | 3,640 |
| Return on Equity (ROE) | 5.3603% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.8143% | 3,633 |
| Net charge-offs to loans | -0.0271% | 4,694 |
| Credit loss provision to net charge-offs | -311.6438% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4800% | 1,552 |
| Assets per employee ($millions) | 5.0395% | 2,545 |
| Cash dividends to net income (ytd only)* | 47.4977% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,520 |
| Loan loss allowance to noncurrent loans | 146.1458% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 1,342 |
| Noncurrent loans to loans | 0.6839% | 2,177 |
| Net loans and leases to total assets | 76.3510% | 1,351 |
| Net loans and leases to deposits | 92.7770% | 1,281 |
| Net loans and leases to core deposits | 96.1313% | 1,889 |
| Total domestic deposits to total assets | 82.2952% | 3,423 |
| Equity capital to assets | 14.5851% | 908 |
| Core capital (leverage) ratio | 14.2531% | 863 |
| Tier 1 risk-based capital ratio | 19.8197% | 1,349 |
| Total risk-based capital ratio | 20.8958% | 1,354 |
| Memoranda: | ||
| Average total assets | $708,367,800 | 1,055 |
| Average earning assets | $687,318,000 | 1,019 |
| Average equity | $102,513,600 | 880 |
| Average total loans | $538,499,600 | 1,003 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 3,599 |
| Cost of funding earning assets | 0.6363% | 3,510 |
| Net interest margin | 3.6820% | 2,985 |
| Noninterest income to average assets | 0.3363% | 3,723 |
| Noninterest expense to average assets | 2.7676% | 2,659 |
| Loan and lease loss provision to assets | 0.0853% | 2,205 |
| Net operating income to assets | 0.8827% | 3,407 |
| Return on assets (ROA) | 0.8819% | 3,491 |
| Pretax return on assets | 1.0541% | 3,437 |
| Return on Equity (ROE) | 6.1060% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,632 |
| Net charge-offs to loans | -0.0407% | 4,785 |
| Credit loss provision to net charge-offs | -276.6871% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8204% | 1,997 |
| Assets per employee ($millions) | 4.7512% | 2,851 |
| Cash dividends to net income (ytd only)* | 41.9721% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,500 |
| Loan loss allowance to noncurrent loans | 119.4296% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 1,256 |
| Noncurrent loans to loans | 0.8480% | 1,886 |
| Net loans and leases to total assets | 75.8680% | 1,507 |
| Net loans and leases to deposits | 89.1283% | 1,797 |
| Net loans and leases to core deposits | 92.3134% | 2,333 |
| Total domestic deposits to total assets | 85.1223% | 2,379 |
| Equity capital to assets | 14.6840% | 931 |
| Core capital (leverage) ratio | 14.5178% | 851 |
| Tier 1 risk-based capital ratio | 19.8639% | 1,381 |
| Total risk-based capital ratio | 20.9471% | 1,383 |
| Memoranda: | ||
| Average total assets | $705,296,750 | 1,063 |
| Average earning assets | $684,135,750 | 1,024 |
| Average equity | $101,865,000 | 886 |
| Average total loans | $534,179,500 | 1,009 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 3,689 |
| Cost of funding earning assets | 0.6532% | 3,393 |
| Net interest margin | 3.6274% | 3,172 |
| Noninterest income to average assets | 0.3511% | 3,589 |
| Noninterest expense to average assets | 2.7930% | 2,609 |
| Loan and lease loss provision to assets | 0.0856% | 2,135 |
| Net operating income to assets | 0.8368% | 3,519 |
| Return on assets (ROA) | 0.8368% | 3,577 |
| Pretax return on assets | 0.9979% | 3,561 |
| Return on Equity (ROE) | 5.8270% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.2352% | 3,607 |
| Net charge-offs to loans | -0.0352% | 4,728 |
| Credit loss provision to net charge-offs | -322.5806% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0497% | 1,915 |
| Assets per employee ($millions) | 4.4610% | 3,203 |
| Cash dividends to net income (ytd only)* | 44.4785% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,627 |
| Loan loss allowance to noncurrent loans | 115.5825% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 1,260 |
| Noncurrent loans to loans | 0.8649% | 1,877 |
| Net loans and leases to total assets | 75.6208% | 1,609 |
| Net loans and leases to deposits | 88.9447% | 1,870 |
| Net loans and leases to core deposits | 92.1803% | 2,399 |
| Total domestic deposits to total assets | 85.0200% | 2,465 |
| Equity capital to assets | 14.7587% | 875 |
| Core capital (leverage) ratio | 14.5282% | 817 |
| Tier 1 risk-based capital ratio | 20.1875% | 1,310 |
| Total risk-based capital ratio | 21.2560% | 1,323 |
| Memoranda: | ||
| Average total assets | $701,251,000 | 1,071 |
| Average earning assets | $681,528,000 | 1,029 |
| Average equity | $100,704,000 | 890 |
| Average total loans | $528,948,670 | 1,016 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 3,709 |
| Cost of funding earning assets | 0.6681% | 3,217 |
| Net interest margin | 3.5822% | 3,317 |
| Noninterest income to average assets | 0.4207% | 3,043 |
| Noninterest expense to average assets | 2.7876% | 2,614 |
| Loan and lease loss provision to assets | 0.1089% | 1,634 |
| Net operating income to assets | 0.8334% | 3,503 |
| Return on assets (ROA) | 0.8334% | 3,544 |
| Pretax return on assets | 1.0027% | 3,428 |
| Return on Equity (ROE) | 5.8849% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.2564% | 3,621 |
| Net charge-offs to loans | -0.0707% | 4,934 |
| Credit loss provision to net charge-offs | -205.3763% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4912% | 2,114 |
| Assets per employee ($millions) | 4.6925% | 2,930 |
| Cash dividends to net income (ytd only)* | 44.6648% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,796 |
| Loan loss allowance to noncurrent loans | 117.4927% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 1,320 |
| Noncurrent loans to loans | 0.8386% | 1,959 |
| Net loans and leases to total assets | 75.2960% | 1,596 |
| Net loans and leases to deposits | 88.2290% | 1,844 |
| Net loans and leases to core deposits | 91.3950% | 2,357 |
| Total domestic deposits to total assets | 85.3416% | 2,547 |
| Equity capital to assets | 14.4284% | 904 |
| Core capital (leverage) ratio | 14.4133% | 838 |
| Tier 1 risk-based capital ratio | 20.1343% | 1,319 |
| Total risk-based capital ratio | 21.1870% | 1,327 |
| Memoranda: | ||
| Average total assets | $701,687,000 | 1,079 |
| Average earning assets | $681,375,500 | 1,033 |
| Average equity | $99,372,500 | 896 |
| Average total loans | $525,933,000 | 1,026 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 3,530 |
| Cost of funding earning assets | 0.6307% | 2,518 |
| Net interest margin | 3.5390% | 3,577 |
| Noninterest income to average assets | 0.1650% | 4,898 |
| Noninterest expense to average assets | 2.8283% | 2,584 |
| Loan and lease loss provision to assets | 0.1405% | 1,536 |
| Net operating income to assets | 0.6093% | 4,389 |
| Return on assets (ROA) | 0.6093% | 4,398 |
| Pretax return on assets | 0.6142% | 4,611 |
| Return on Equity (ROE) | 4.4038% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.7214% | 4,458 |
| Net charge-offs to loans | 0.0411% | 2,590 |
| Credit loss provision to net charge-offs | 463.8498% | 743 |
| Earnings coverage of net charge-offs (x) | 24.9155% | 1,792 |
| Efficiency ratio | 78.9380% | 1,044 |
| Assets per employee ($millions) | 4.7261% | 2,837 |
| Cash dividends to net income (ytd only)* | 60.9102% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,951 |
| Loan loss allowance to noncurrent loans | 110.0378% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 1,245 |
| Noncurrent loans to loans | 0.8657% | 1,864 |
| Net loans and leases to total assets | 73.1641% | 2,066 |
| Net loans and leases to deposits | 85.2896% | 2,378 |
| Net loans and leases to core deposits | 88.4685% | 2,713 |
| Total domestic deposits to total assets | 85.7831% | 2,332 |
| Equity capital to assets | 13.8973% | 1,005 |
| Core capital (leverage) ratio | 14.1264% | 888 |
| Tier 1 risk-based capital ratio | 20.4572% | 1,234 |
| Total risk-based capital ratio | 21.4772% | 1,244 |
| Memoranda: | ||
| Average total assets | $703,243,000 | 1,056 |
| Average earning assets | $679,208,000 | 1,014 |
| Average equity | $97,302,400 | 871 |
| Average total loans | $518,636,800 | 1,011 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,548 |
| Cost of funding earning assets | 0.6047% | 2,440 |
| Net interest margin | 3.5223% | 3,625 |
| Noninterest income to average assets | 0.1140% | 5,159 |
| Noninterest expense to average assets | 2.7294% | 2,880 |
| Loan and lease loss provision to assets | 0.1586% | 1,218 |
| Net operating income to assets | 0.6708% | 4,316 |
| Return on assets (ROA) | 0.6708% | 4,328 |
| Pretax return on assets | 0.6242% | 4,687 |
| Return on Equity (ROE) | 4.8536% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.1668% | 4,515 |
| Net charge-offs to loans | 0.0538% | 2,052 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 19.7464% | 1,984 |
| Efficiency ratio | 77.7136% | 1,145 |
| Assets per employee ($millions) | 4.7357% | 2,802 |
| Cash dividends to net income (ytd only)* | 55.3576% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,172 |
| Loan loss allowance to noncurrent loans | 107.7561% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 1,192 |
| Noncurrent loans to loans | 0.8566% | 1,988 |
| Net loans and leases to total assets | 72.1534% | 2,309 |
| Net loans and leases to deposits | 83.5877% | 2,645 |
| Net loans and leases to core deposits | 86.4499% | 2,960 |
| Total domestic deposits to total assets | 86.3207% | 2,047 |
| Equity capital to assets | 13.4665% | 1,146 |
| Core capital (leverage) ratio | 14.1329% | 901 |
| Tier 1 risk-based capital ratio | 20.0791% | 1,323 |
| Total risk-based capital ratio | 21.0515% | 1,344 |
| Memoranda: | ||
| Average total assets | $703,005,750 | 1,059 |
| Average earning assets | $678,205,750 | 1,018 |
| Average equity | $97,162,000 | 868 |
| Average total loans | $518,253,250 | 1,005 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,438 |
| Cost of funding earning assets | 0.5863% | 2,323 |
| Net interest margin | 3.5157% | 3,580 |
| Noninterest income to average assets | 0.3173% | 4,056 |
| Noninterest expense to average assets | 2.7200% | 2,941 |
| Loan and lease loss provision to assets | 0.1582% | 1,184 |
| Net operating income to assets | 0.7082% | 4,173 |
| Return on assets (ROA) | 0.7082% | 4,175 |
| Pretax return on assets | 0.8364% | 4,146 |
| Return on Equity (ROE) | 5.0795% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,307 |
| Net charge-offs to loans | -0.0236% | 4,635 |
| Credit loss provision to net charge-offs | -906.5574% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2245% | 1,814 |
| Assets per employee ($millions) | 4.6877% | 2,829 |
| Cash dividends to net income (ytd only)* | 52.7273% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,220 |
| Loan loss allowance to noncurrent loans | 81.7949% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 626 |
| Noncurrent loans to loans | 1.1319% | 1,555 |
| Net loans and leases to total assets | 72.9591% | 2,123 |
| Net loans and leases to deposits | 84.8699% | 2,440 |
| Net loans and leases to core deposits | 87.8474% | 2,731 |
| Total domestic deposits to total assets | 85.9658% | 2,298 |
| Equity capital to assets | 13.7913% | 994 |
| Core capital (leverage) ratio | 14.0851% | 889 |
| Tier 1 risk-based capital ratio | 19.8185% | 1,358 |
| Total risk-based capital ratio | 20.7796% | 1,383 |
| Memoranda: | ||
| Average total assets | $698,976,670 | 1,062 |
| Average earning assets | $675,420,330 | 1,024 |
| Average equity | $97,450,000 | 867 |
| Average total loans | $517,414,000 | 1,011 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,487 |
| Cost of funding earning assets | 0.5677% | 2,264 |
| Net interest margin | 3.4673% | 3,652 |
| Noninterest income to average assets | 0.3484% | 3,812 |
| Noninterest expense to average assets | 2.6168% | 3,287 |
| Loan and lease loss provision to assets | 0.1647% | 1,087 |
| Net operating income to assets | 0.8036% | 3,685 |
| Return on assets (ROA) | 0.8036% | 3,697 |
| Pretax return on assets | 0.9184% | 3,786 |
| Return on Equity (ROE) | 5.7325% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.0587% | 3,981 |
| Net charge-offs to loans | -0.0572% | 5,031 |
| Credit loss provision to net charge-offs | -387.8378% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7260% | 2,385 |
| Assets per employee ($millions) | 4.6526% | 2,927 |
| Cash dividends to net income (ytd only)* | 46.6429% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,528 |
| Loan loss allowance to noncurrent loans | 70.1746% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.9466% | 597 |
| Noncurrent loans to loans | 1.2545% | 1,438 |
| Net loans and leases to total assets | 73.2626% | 1,985 |
| Net loans and leases to deposits | 85.3570% | 2,253 |
| Net loans and leases to core deposits | 88.4613% | 2,594 |
| Total domestic deposits to total assets | 85.8307% | 2,619 |
| Equity capital to assets | 13.9018% | 916 |
| Core capital (leverage) ratio | 14.1959% | 834 |
| Tier 1 risk-based capital ratio | 20.4166% | 1,277 |
| Total risk-based capital ratio | 21.3587% | 1,295 |
| Memoranda: | ||
| Average total assets | $696,888,000 | 1,069 |
| Average earning assets | $673,600,500 | 1,034 |
| Average equity | $97,688,000 | 866 |
| Average total loans | $517,216,500 | 1,015 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,548 |
| Cost of funding earning assets | 0.5043% | 2,290 |
| Net interest margin | 3.7334% | 2,665 |
| Noninterest income to average assets | 0.2475% | 4,651 |
| Noninterest expense to average assets | 2.7073% | 3,105 |
| Loan and lease loss provision to assets | 0.2573% | 718 |
| Net operating income to assets | 0.5928% | 4,042 |
| Return on assets (ROA) | 0.5928% | 4,082 |
| Pretax return on assets | 0.8815% | 3,969 |
| Return on Equity (ROE) | 4.2775% | 4,415 |
| Retained earnings to average equity (ytd only) | 1.6015% | 4,349 |
| Net charge-offs to loans | 0.4742% | 500 |
| Credit loss provision to net charge-offs | 75.9329% | 3,000 |
| Earnings coverage of net charge-offs (x) | 3.3606% | 3,617 |
| Efficiency ratio | 70.3894% | 2,492 |
| Assets per employee ($millions) | 4.6393% | 2,965 |
| Cash dividends to net income (ytd only)* | 62.5599% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,804 |
| Loan loss allowance to noncurrent loans | 60.1266% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0197% | 554 |
| Noncurrent loans to loans | 1.3405% | 1,300 |
| Net loans and leases to total assets | 73.9230% | 1,933 |
| Net loans and leases to deposits | 86.4134% | 2,209 |
| Net loans and leases to core deposits | 89.7427% | 2,590 |
| Total domestic deposits to total assets | 85.5458% | 2,639 |
| Equity capital to assets | 14.1341% | 865 |
| Core capital (leverage) ratio | 13.8784% | 862 |
| Tier 1 risk-based capital ratio | 20.0193% | 1,319 |
| Total risk-based capital ratio | 20.8766% | 1,366 |
| Memoranda: | ||
| Average total assets | $703,769,000 | 1,037 |
| Average earning assets | $678,357,400 | 996 |
| Average equity | $97,533,800 | 846 |
| Average total loans | $502,991,200 | 1,021 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,438 |
| Cost of funding earning assets | 0.4902% | 2,351 |
| Net interest margin | 3.4866% | 3,549 |
| Noninterest income to average assets | 0.2439% | 4,746 |
| Noninterest expense to average assets | 2.5620% | 3,530 |
| Loan and lease loss provision to assets | 0.2394% | 740 |
| Net operating income to assets | 0.6010% | 4,392 |
| Return on assets (ROA) | 0.6010% | 4,431 |
| Pretax return on assets | 0.8003% | 4,348 |
| Return on Equity (ROE) | 4.3577% | 4,751 |
| Retained earnings to average equity (ytd only) | 1.6754% | 4,757 |
| Net charge-offs to loans | 0.2717% | 797 |
| Credit loss provision to net charge-offs | 124.5821% | 1,948 |
| Earnings coverage of net charge-offs (x) | 5.4110% | 3,112 |
| Efficiency ratio | 71.1341% | 2,344 |
| Assets per employee ($millions) | 5.0055% | 2,441 |
| Cash dividends to net income (ytd only)* | 61.5529% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 4,173 |
| Loan loss allowance to noncurrent loans | 76.1644% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 665 |
| Noncurrent loans to loans | 1.2900% | 1,483 |
| Net loans and leases to total assets | 68.5382% | 2,765 |
| Net loans and leases to deposits | 79.3848% | 3,029 |
| Net loans and leases to core deposits | 82.2843% | 3,261 |
| Total domestic deposits to total assets | 86.3366% | 2,157 |
| Equity capital to assets | 13.4037% | 1,200 |
| Core capital (leverage) ratio | 13.8113% | 942 |
| Tier 1 risk-based capital ratio | 19.9027% | 1,376 |
| Total risk-based capital ratio | 20.9255% | 1,407 |
| Memoranda: | ||
| Average total assets | $705,738,000 | 1,041 |
| Average earning assets | $679,645,750 | 997 |
| Average equity | $97,327,750 | 851 |
| Average total loans | $499,087,750 | 1,033 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,282 |
| Cost of funding earning assets | 0.4878% | 2,271 |
| Net interest margin | 3.4924% | 3,429 |
| Noninterest income to average assets | 0.2760% | 4,575 |
| Noninterest expense to average assets | 2.6016% | 3,428 |
| Loan and lease loss provision to assets | 0.3418% | 429 |
| Net operating income to assets | 0.5436% | 4,554 |
| Return on assets (ROA) | 0.5436% | 4,589 |
| Pretax return on assets | 0.6980% | 4,553 |
| Return on Equity (ROE) | 3.9032% | 4,850 |
| Retained earnings to average equity (ytd only) | 1.2096% | 4,760 |
| Net charge-offs to loans | 0.4697% | 424 |
| Credit loss provision to net charge-offs | 102.1478% | 1,976 |
| Earnings coverage of net charge-offs (x) | 3.1074% | 3,084 |
| Efficiency ratio | 71.4455% | 2,447 |
| Assets per employee ($millions) | 4.8287% | 2,611 |
| Cash dividends to net income (ytd only)* | 69.0111% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,451 |
| Loan loss allowance to noncurrent loans | 53.5222% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.2009% | 539 |
| Noncurrent loans to loans | 1.7610% | 1,025 |
| Net loans and leases to total assets | 71.2426% | 2,325 |
| Net loans and leases to deposits | 84.1266% | 2,458 |
| Net loans and leases to core deposits | 87.2812% | 2,773 |
| Total domestic deposits to total assets | 84.6850% | 2,943 |
| Equity capital to assets | 13.8991% | 999 |
| Core capital (leverage) ratio | 13.9264% | 886 |
| Tier 1 risk-based capital ratio | 20.1901% | 1,328 |
| Total risk-based capital ratio | 21.1873% | 1,343 |
| Memoranda: | ||
| Average total assets | $695,713,330 | 1,055 |
| Average earning assets | $670,423,330 | 1,016 |
| Average equity | $96,895,000 | 857 |
| Average total loans | $495,678,330 | 1,033 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,115 |
| Cost of funding earning assets | 0.4829% | 2,223 |
| Net interest margin | 3.4975% | 3,283 |
| Noninterest income to average assets | 0.3085% | 4,346 |
| Noninterest expense to average assets | 2.6533% | 3,299 |
| Loan and lease loss provision to assets | 0.4138% | 267 |
| Net operating income to assets | 0.4960% | 4,613 |
| Return on assets (ROA) | 0.4960% | 4,634 |
| Pretax return on assets | 0.6078% | 4,712 |
| Return on Equity (ROE) | 3.5579% | 4,939 |
| Retained earnings to average equity (ytd only) | 0.8469% | 4,707 |
| Net charge-offs to loans | 0.5208% | 349 |
| Credit loss provision to net charge-offs | 112.0690% | 1,463 |
| Earnings coverage of net charge-offs (x) | 2.7665% | 2,555 |
| Efficiency ratio | 72.2003% | 2,536 |
| Assets per employee ($millions) | 4.8045% | 2,691 |
| Cash dividends to net income (ytd only)* | 76.1960% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 4,423 |
| Loan loss allowance to noncurrent loans | 47.0399% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4794% | 467 |
| Noncurrent loans to loans | 2.0715% | 850 |
| Net loans and leases to total assets | 70.4710% | 2,302 |
| Net loans and leases to deposits | 82.9157% | 2,407 |
| Net loans and leases to core deposits | 86.0729% | 2,700 |
| Total domestic deposits to total assets | 84.9912% | 3,094 |
| Equity capital to assets | 13.8669% | 947 |
| Core capital (leverage) ratio | 13.9533% | 858 |
| Tier 1 risk-based capital ratio | 20.6980% | 1,265 |
| Total risk-based capital ratio | 21.7346% | 1,271 |
| Memoranda: | ||
| Average total assets | $691,072,500 | 1,067 |
| Average earning assets | $665,160,500 | 1,024 |
| Average equity | $96,348,500 | 858 |
| Average total loans | $489,999,500 | 1,042 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 3,685 |
| Cost of funding earning assets | 0.5165% | 1,968 |
| Net interest margin | 3.3513% | 3,993 |
| Noninterest income to average assets | 0.3246% | 4,418 |
| Noninterest expense to average assets | 2.8150% | 2,976 |
| Loan and lease loss provision to assets | 0.1930% | 1,208 |
| Net operating income to assets | 0.4430% | 4,818 |
| Return on assets (ROA) | 0.4942% | 4,728 |
| Pretax return on assets | 0.6128% | 4,750 |
| Return on Equity (ROE) | 3.4426% | 5,033 |
| Retained earnings to average equity (ytd only) | 0.8038% | 5,001 |
| Net charge-offs to loans | 0.3146% | 871 |
| Credit loss provision to net charge-offs | 90.1084% | 2,795 |
| Earnings coverage of net charge-offs (x) | 3.4661% | 3,665 |
| Efficiency ratio | 79.1269% | 1,538 |
| Assets per employee ($millions) | 4.6951% | 2,797 |
| Cash dividends to net income (ytd only)* | 76.6520% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,428 |
| Loan loss allowance to noncurrent loans | 43.9372% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 460 |
| Noncurrent loans to loans | 2.2345% | 757 |
| Net loans and leases to total assets | 69.9462% | 2,478 |
| Net loans and leases to deposits | 81.6506% | 2,707 |
| Net loans and leases to core deposits | 84.6968% | 2,956 |
| Total domestic deposits to total assets | 85.6652% | 2,750 |
| Equity capital to assets | 14.0181% | 883 |
| Core capital (leverage) ratio | 13.8784% | 847 |
| Tier 1 risk-based capital ratio | 20.9828% | 1,207 |
| Total risk-based capital ratio | 22.0184% | 1,224 |
| Memoranda: | ||
| Average total assets | $688,949,000 | 1,031 |
| Average earning assets | $664,634,400 | 996 |
| Average equity | $98,907,200 | 797 |
| Average total loans | $469,095,800 | 1,031 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,812 |
| Cost of funding earning assets | 0.5250% | 1,908 |
| Net interest margin | 3.3119% | 4,152 |
| Noninterest income to average assets | 0.3023% | 4,605 |
| Noninterest expense to average assets | 2.6175% | 3,605 |
| Loan and lease loss provision to assets | 0.2022% | 1,043 |
| Net operating income to assets | 0.5201% | 4,619 |
| Return on assets (ROA) | 0.5841% | 4,472 |
| Pretax return on assets | 0.7637% | 4,429 |
| Return on Equity (ROE) | 4.0450% | 4,880 |
| Retained earnings to average equity (ytd only) | 1.4242% | 4,940 |
| Net charge-offs to loans | 0.1602% | 1,418 |
| Credit loss provision to net charge-offs | 187.1199% | 1,506 |
| Earnings coverage of net charge-offs (x) | 8.1593% | 2,803 |
| Efficiency ratio | 74.8053% | 2,142 |
| Assets per employee ($millions) | 5.0522% | 2,307 |
| Cash dividends to net income (ytd only)* | 64.7915% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,739 |
| Loan loss allowance to noncurrent loans | 43.4646% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7901% | 448 |
| Noncurrent loans to loans | 2.5745% | 669 |
| Net loans and leases to total assets | 65.8888% | 3,143 |
| Net loans and leases to deposits | 76.8372% | 3,304 |
| Net loans and leases to core deposits | 79.6123% | 3,487 |
| Total domestic deposits to total assets | 85.7512% | 2,481 |
| Equity capital to assets | 13.9350% | 1,064 |
| Core capital (leverage) ratio | 14.1017% | 820 |
| Tier 1 risk-based capital ratio | 21.1935% | 1,234 |
| Total risk-based capital ratio | 22.3757% | 1,220 |
| Memoranda: | ||
| Average total assets | $689,814,500 | 1,036 |
| Average earning assets | $665,828,500 | 999 |
| Average equity | $99,611,000 | 794 |
| Average total loans | $465,313,250 | 1,042 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,686 |
| Cost of funding earning assets | 0.5495% | 1,703 |
| Net interest margin | 3.3237% | 4,145 |
| Noninterest income to average assets | 0.3061% | 4,598 |
| Noninterest expense to average assets | 2.6654% | 3,498 |
| Loan and lease loss provision to assets | 0.0842% | 2,458 |
| Net operating income to assets | 0.6113% | 4,219 |
| Return on assets (ROA) | 0.6113% | 4,347 |
| Pretax return on assets | 0.7671% | 4,403 |
| Return on Equity (ROE) | 4.1811% | 4,845 |
| Retained earnings to average equity (ytd only) | 1.5515% | 4,758 |
| Net charge-offs to loans | 0.0791% | 2,063 |
| Credit loss provision to net charge-offs | 157.1429% | 1,541 |
| Earnings coverage of net charge-offs (x) | 15.8791% | 1,964 |
| Efficiency ratio | 75.7916% | 2,111 |
| Assets per employee ($millions) | 4.7163% | 2,683 |
| Cash dividends to net income (ytd only)* | 62.8916% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 4,025 |
| Loan loss allowance to noncurrent loans | 36.5736% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.1797% | 373 |
| Noncurrent loans to loans | 2.9700% | 507 |
| Net loans and leases to total assets | 67.5630% | 2,852 |
| Net loans and leases to deposits | 79.8227% | 2,948 |
| Net loans and leases to core deposits | 82.7056% | 3,208 |
| Total domestic deposits to total assets | 84.6414% | 3,028 |
| Equity capital to assets | 14.9926% | 730 |
| Core capital (leverage) ratio | 14.1946% | 773 |
| Tier 1 risk-based capital ratio | 21.8965% | 1,147 |
| Total risk-based capital ratio | 23.0342% | 1,146 |
| Memoranda: | ||
| Average total assets | $678,932,670 | 1,050 |
| Average earning assets | $655,839,670 | 1,012 |
| Average equity | $99,256,330 | 798 |
| Average total loans | $459,948,670 | 1,057 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,719 |
| Cost of funding earning assets | 0.5693% | 1,549 |
| Net interest margin | 3.2942% | 4,243 |
| Noninterest income to average assets | 0.2625% | 4,850 |
| Noninterest expense to average assets | 2.6794% | 3,501 |
| Loan and lease loss provision to assets | 0.1016% | 2,003 |
| Net operating income to assets | 0.5479% | 4,433 |
| Return on assets (ROA) | 0.5479% | 4,537 |
| Pretax return on assets | 0.6618% | 4,645 |
| Return on Equity (ROE) | 3.7955% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.1391% | 4,784 |
| Net charge-offs to loans | 0.1401% | 1,271 |
| Credit loss provision to net charge-offs | 107.4534% | 1,537 |
| Earnings coverage of net charge-offs (x) | 8.0745% | 2,089 |
| Efficiency ratio | 77.8271% | 1,916 |
| Assets per employee ($millions) | 4.7548% | 2,665 |
| Cash dividends to net income (ytd only)* | 69.9893% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,233 |
| Loan loss allowance to noncurrent loans | 32.9687% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 3.3513% | 351 |
| Noncurrent loans to loans | 3.2416% | 459 |
| Net loans and leases to total assets | 66.4103% | 2,891 |
| Net loans and leases to deposits | 77.9806% | 3,009 |
| Net loans and leases to core deposits | 81.0942% | 3,225 |
| Total domestic deposits to total assets | 85.1626% | 3,059 |
| Equity capital to assets | 14.5121% | 833 |
| Core capital (leverage) ratio | 14.0091% | 807 |
| Tier 1 risk-based capital ratio | 21.7348% | 1,198 |
| Total risk-based capital ratio | 22.8493% | 1,198 |
| Memoranda: | ||
| Average total assets | $681,185,000 | 1,043 |
| Average earning assets | $657,643,500 | 1,006 |
| Average equity | $98,327,500 | 803 |
| Average total loans | $459,589,000 | 1,049 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,589 |
| Cost of funding earning assets | 0.6203% | 1,235 |
| Net interest margin | 3.3125% | 4,243 |
| Noninterest income to average assets | 0.2431% | 5,142 |
| Noninterest expense to average assets | 2.7268% | 3,495 |
| Loan and lease loss provision to assets | 0.3091% | 546 |
| Net operating income to assets | 0.3354% | 5,256 |
| Return on assets (ROA) | 0.4447% | 4,983 |
| Pretax return on assets | 0.5338% | 5,033 |
| Return on Equity (ROE) | 3.0965% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.4362% | 5,341 |
| Net charge-offs to loans | 0.3190% | 941 |
| Credit loss provision to net charge-offs | 152.6012% | 1,747 |
| Earnings coverage of net charge-offs (x) | 3.5116% | 3,717 |
| Efficiency ratio | 79.3103% | 1,776 |
| Assets per employee ($millions) | 4.5482% | 2,966 |
| Cash dividends to net income (ytd only)* | 85.9118% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 4,230 |
| Loan loss allowance to noncurrent loans | 40.0458% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 2.9951% | 436 |
| Noncurrent loans to loans | 2.6625% | 665 |
| Net loans and leases to total assets | 67.0909% | 2,845 |
| Net loans and leases to deposits | 78.6370% | 2,984 |
| Net loans and leases to core deposits | 81.9831% | 3,151 |
| Total domestic deposits to total assets | 85.3171% | 2,940 |
| Equity capital to assets | 14.3566% | 812 |
| Core capital (leverage) ratio | 13.7802% | 885 |
| Tier 1 risk-based capital ratio | 21.4979% | 1,217 |
| Total risk-based capital ratio | 22.6119% | 1,222 |
| Memoranda: | ||
| Average total assets | $683,217,600 | 1,006 |
| Average earning assets | $658,997,200 | 970 |
| Average equity | $98,111,600 | 782 |
| Average total loans | $433,907,000 | 1,060 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 3,708 |
| Cost of funding earning assets | 0.6286% | 1,227 |
| Net interest margin | 3.2837% | 4,421 |
| Noninterest income to average assets | 0.2466% | 5,168 |
| Noninterest expense to average assets | 2.6812% | 3,627 |
| Loan and lease loss provision to assets | 0.3184% | 443 |
| Net operating income to assets | 0.3388% | 5,348 |
| Return on assets (ROA) | 0.4810% | 4,955 |
| Pretax return on assets | 0.5874% | 5,006 |
| Return on Equity (ROE) | 3.3496% | 5,268 |
| Retained earnings to average equity (ytd only) | 0.6943% | 5,412 |
| Net charge-offs to loans | 0.2941% | 907 |
| Credit loss provision to net charge-offs | 173.3828% | 1,506 |
| Earnings coverage of net charge-offs (x) | 3.9873% | 3,423 |
| Efficiency ratio | 78.5474% | 1,885 |
| Assets per employee ($millions) | 4.6733% | 2,738 |
| Cash dividends to net income (ytd only)* | 79.2712% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 4,340 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.9694% | 517 |
| Noncurrent loans to loans | 2.9688% | 600 |
| Net loans and leases to total assets | 63.1580% | 3,428 |
| Net loans and leases to deposits | 73.6116% | 3,583 |
| Net loans and leases to core deposits | 76.4226% | 3,753 |
| Total domestic deposits to total assets | 85.7989% | 2,642 |
| Equity capital to assets | 13.9385% | 1,051 |
| Core capital (leverage) ratio | 14.0725% | 843 |
| Tier 1 risk-based capital ratio | 21.3947% | 1,277 |
| Total risk-based capital ratio | 22.4873% | 1,285 |
| Memoranda: | ||
| Average total assets | $684,601,750 | 1,014 |
| Average earning assets | $660,259,250 | 970 |
| Average equity | $98,316,500 | 789 |
| Average total loans | $427,493,250 | 1,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,519 |
| Cost of funding earning assets | 0.6491% | 1,112 |
| Net interest margin | 3.2943% | 4,322 |
| Noninterest income to average assets | 0.2373% | 5,257 |
| Noninterest expense to average assets | 2.7294% | 3,493 |
| Loan and lease loss provision to assets | 0.1375% | 1,590 |
| Net operating income to assets | 0.4442% | 4,987 |
| Return on assets (ROA) | 0.6544% | 4,209 |
| Pretax return on assets | 0.8135% | 4,280 |
| Return on Equity (ROE) | 4.5106% | 4,815 |
| Retained earnings to average equity (ytd only) | 1.8555% | 4,768 |
| Net charge-offs to loans | 0.2944% | 890 |
| Credit loss provision to net charge-offs | 75.4045% | 2,391 |
| Earnings coverage of net charge-offs (x) | 3.7735% | 3,135 |
| Efficiency ratio | 79.8601% | 1,784 |
| Assets per employee ($millions) | 4.4850% | 3,011 |
| Cash dividends to net income (ytd only)* | 58.8633% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 5,179 |
| Loan loss allowance to noncurrent loans | 46.4203% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3791% | 830 |
| Noncurrent loans to loans | 2.0025% | 1,217 |
| Net loans and leases to total assets | 63.6866% | 3,309 |
| Net loans and leases to deposits | 74.6911% | 3,412 |
| Net loans and leases to core deposits | 77.8922% | 3,589 |
| Total domestic deposits to total assets | 85.2667% | 3,018 |
| Equity capital to assets | 14.4760% | 823 |
| Core capital (leverage) ratio | 14.0955% | 813 |
| Tier 1 risk-based capital ratio | 22.7840% | 1,107 |
| Total risk-based capital ratio | 23.7478% | 1,118 |
| Memoranda: | ||
| Average total assets | $677,581,000 | 1,028 |
| Average earning assets | $654,152,330 | 979 |
| Average equity | $98,302,330 | 792 |
| Average total loans | $419,808,670 | 1,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,352 |
| Cost of funding earning assets | 0.6549% | 1,080 |
| Net interest margin | 3.3124% | 4,161 |
| Noninterest income to average assets | 0.2306% | 5,308 |
| Noninterest expense to average assets | 2.7624% | 3,376 |
| Loan and lease loss provision to assets | 0.1465% | 1,385 |
| Net operating income to assets | 0.4180% | 5,006 |
| Return on assets (ROA) | 0.5200% | 4,702 |
| Pretax return on assets | 0.6459% | 4,779 |
| Return on Equity (ROE) | 3.5804% | 5,149 |
| Retained earnings to average equity (ytd only) | 0.9356% | 5,090 |
| Net charge-offs to loans | 0.0145% | 2,878 |
| Credit loss provision to net charge-offs | 1,660.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 75.5333% | 620 |
| Efficiency ratio | 80.5627% | 1,820 |
| Assets per employee ($millions) | 4.5359% | 2,990 |
| Cash dividends to net income (ytd only)* | 73.8688% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,735 |
| Loan loss allowance to noncurrent loans | 47.2747% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5130% | 857 |
| Noncurrent loans to loans | 2.2294% | 1,124 |
| Net loans and leases to total assets | 61.2031% | 3,492 |
| Net loans and leases to deposits | 72.8228% | 3,457 |
| Net loans and leases to core deposits | 75.9549% | 3,602 |
| Total domestic deposits to total assets | 84.0439% | 3,803 |
| Equity capital to assets | 14.6971% | 781 |
| Core capital (leverage) ratio | 14.1033% | 793 |
| Tier 1 risk-based capital ratio | 22.8620% | 1,127 |
| Total risk-based capital ratio | 23.9183% | 1,134 |
| Memoranda: | ||
| Average total assets | $679,998,000 | 1,025 |
| Average earning assets | $656,569,500 | 977 |
| Average equity | $98,760,000 | 783 |
| Average total loans | $413,478,000 | 1,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 4,058 |
| Cost of funding earning assets | 0.6533% | 1,384 |
| Net interest margin | 3.2658% | 4,699 |
| Noninterest income to average assets | 0.2830% | 5,097 |
| Noninterest expense to average assets | 3.0385% | 2,726 |
| Loan and lease loss provision to assets | 0.2914% | 713 |
| Net operating income to assets | 0.1181% | 5,926 |
| Return on assets (ROA) | 0.4198% | 5,227 |
| Pretax return on assets | 0.3827% | 5,527 |
| Return on Equity (ROE) | 3.0123% | 5,474 |
| Retained earnings to average equity (ytd only) | 0.3012% | 5,643 |
| Net charge-offs to loans | 0.7764% | 457 |
| Credit loss provision to net charge-offs | 67.1448% | 3,134 |
| Earnings coverage of net charge-offs (x) | 0.8582% | 4,548 |
| Efficiency ratio | 89.0808% | 906 |
| Assets per employee ($millions) | 4.4715% | 3,082 |
| Cash dividends to net income (ytd only)* | 90.0000% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 4,945 |
| Loan loss allowance to noncurrent loans | 50.1684% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.3336% | 1,010 |
| Noncurrent loans to loans | 2.0337% | 1,357 |
| Net loans and leases to total assets | 59.1594% | 3,903 |
| Net loans and leases to deposits | 71.2053% | 3,765 |
| Net loans and leases to core deposits | 74.3230% | 3,894 |
| Total domestic deposits to total assets | 83.0829% | 4,046 |
| Equity capital to assets | 14.3521% | 851 |
| Core capital (leverage) ratio | 13.7345% | 887 |
| Tier 1 risk-based capital ratio | 23.1409% | 1,067 |
| Total risk-based capital ratio | 24.1559% | 1,073 |
| Memoranda: | ||
| Average total assets | $690,838,600 | 968 |
| Average earning assets | $661,668,400 | 931 |
| Average equity | $96,273,400 | 765 |
| Average total loans | $386,163,800 | 1,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 4,262 |
| Cost of funding earning assets | 0.6401% | 1,527 |
| Net interest margin | 3.2337% | 4,841 |
| Noninterest income to average assets | 0.2890% | 5,133 |
| Noninterest expense to average assets | 3.1203% | 2,406 |
| Loan and lease loss provision to assets | 0.2782% | 740 |
| Net operating income to assets | 0.0499% | 6,087 |
| Return on assets (ROA) | 0.3439% | 5,520 |
| Pretax return on assets | 0.2753% | 5,816 |
| Return on Equity (ROE) | 2.4858% | 5,710 |
| Retained earnings to average equity (ytd only) | -0.2394% | 5,842 |
| Net charge-offs to loans | 0.7240% | 476 |
| Credit loss provision to net charge-offs | 69.9419% | 2,768 |
| Earnings coverage of net charge-offs (x) | 0.6525% | 4,343 |
| Efficiency ratio | 92.3213% | 685 |
| Assets per employee ($millions) | 4.6723% | 2,708 |
| Cash dividends to net income (ytd only)* | 109.6306% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,587 |
| Loan loss allowance to noncurrent loans | 47.0686% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4189% | 1,111 |
| Noncurrent loans to loans | 2.4099% | 1,233 |
| Net loans and leases to total assets | 55.3041% | 4,422 |
| Net loans and leases to deposits | 68.0575% | 4,121 |
| Net loans and leases to core deposits | 70.8827% | 4,252 |
| Total domestic deposits to total assets | 81.2608% | 4,748 |
| Equity capital to assets | 13.5222% | 1,174 |
| Core capital (leverage) ratio | 13.2677% | 1,078 |
| Tier 1 risk-based capital ratio | 22.8326% | 1,144 |
| Total risk-based capital ratio | 23.9264% | 1,143 |
| Memoranda: | ||
| Average total assets | $692,512,500 | 976 |
| Average earning assets | $661,923,500 | 938 |
| Average equity | $95,794,500 | 765 |
| Average total loans | $380,478,000 | 1,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 4,351 |
| Cost of funding earning assets | 0.6300% | 1,647 |
| Net interest margin | 3.2141% | 4,900 |
| Noninterest income to average assets | 0.2893% | 5,105 |
| Noninterest expense to average assets | 2.9784% | 2,910 |
| Loan and lease loss provision to assets | 0.2011% | 1,195 |
| Net operating income to assets | 0.1730% | 5,905 |
| Return on assets (ROA) | 0.6099% | 4,404 |
| Pretax return on assets | 0.6253% | 4,869 |
| Return on Equity (ROE) | 4.3747% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.6418% | 5,080 |
| Net charge-offs to loans | 0.9219% | 393 |
| Credit loss provision to net charge-offs | 39.9652% | 2,930 |
| Earnings coverage of net charge-offs (x) | 0.7564% | 3,979 |
| Efficiency ratio | 88.6668% | 1,032 |
| Assets per employee ($millions) | 4.8325% | 2,426 |
| Cash dividends to net income (ytd only)* | 62.4701% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,047 |
| Loan loss allowance to noncurrent loans | 40.3480% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.7794% | 943 |
| Noncurrent loans to loans | 2.6383% | 1,151 |
| Net loans and leases to total assets | 54.0074% | 4,540 |
| Net loans and leases to deposits | 69.1540% | 3,920 |
| Net loans and leases to core deposits | 72.1960% | 4,033 |
| Total domestic deposits to total assets | 78.0974% | 5,617 |
| Equity capital to assets | 13.7598% | 1,064 |
| Core capital (leverage) ratio | 14.0385% | 818 |
| Tier 1 risk-based capital ratio | 23.3552% | 1,066 |
| Total risk-based capital ratio | 24.3622% | 1,083 |
| Memoranda: | ||
| Average total assets | $685,061,000 | 986 |
| Average earning assets | $654,310,670 | 949 |
| Average equity | $95,504,000 | 764 |
| Average total loans | $374,008,330 | 1,181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 4,129 |
| Cost of funding earning assets | 0.6437% | 1,625 |
| Net interest margin | 3.2448% | 4,760 |
| Noninterest income to average assets | 0.2915% | 5,042 |
| Noninterest expense to average assets | 3.0976% | 2,542 |
| Loan and lease loss provision to assets | 0.1136% | 2,059 |
| Net operating income to assets | 0.1498% | 5,928 |
| Return on assets (ROA) | 0.9310% | 2,575 |
| Pretax return on assets | 1.0833% | 2,987 |
| Return on Equity (ROE) | 6.6326% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.8694% | 3,798 |
| Net charge-offs to loans | 0.8335% | 416 |
| Credit loss provision to net charge-offs | 24.9673% | 2,447 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 3,292 |
| Efficiency ratio | 91.4793% | 914 |
| Assets per employee ($millions) | 4.2590% | 3,422 |
| Cash dividends to net income (ytd only)* | 41.6613% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,479 |
| Loan loss allowance to noncurrent loans | 63.7273% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.8258% | 1,050 |
| Noncurrent loans to loans | 1.9318% | 1,948 |
| Net loans and leases to total assets | 55.0591% | 4,275 |
| Net loans and leases to deposits | 66.9648% | 3,976 |
| Net loans and leases to core deposits | 69.8272% | 4,114 |
| Total domestic deposits to total assets | 82.2210% | 4,881 |
| Equity capital to assets | 14.3106% | 827 |
| Core capital (leverage) ratio | 14.3310% | 727 |
| Tier 1 risk-based capital ratio | 24.3402% | 956 |
| Total risk-based capital ratio | 25.5049% | 951 |
| Memoranda: | ||
| Average total assets | $672,401,500 | 1,013 |
| Average earning assets | $641,269,000 | 972 |
| Average equity | $94,382,500 | 776 |
| Average total loans | $367,119,500 | 1,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 4,045 |
| Cost of funding earning assets | 0.6824% | 1,941 |
| Net interest margin | 3.3306% | 4,546 |
| Noninterest income to average assets | 0.2564% | 5,511 |
| Noninterest expense to average assets | 2.7279% | 3,998 |
| Loan and lease loss provision to assets | 0.3878% | 777 |
| Net operating income to assets | 0.2762% | 5,602 |
| Return on assets (ROA) | 0.5422% | 4,670 |
| Pretax return on assets | 0.6117% | 4,840 |
| Return on Equity (ROE) | 3.7006% | 5,235 |
| Retained earnings to average equity (ytd only) | 1.0508% | 5,365 |
| Net charge-offs to loans | 0.5973% | 1,100 |
| Credit loss provision to net charge-offs | 125.5176% | 1,891 |
| Earnings coverage of net charge-offs (x) | 2.2677% | 4,261 |
| Efficiency ratio | 79.5653% | 2,226 |
| Assets per employee ($millions) | 4.3342% | 3,212 |
| Cash dividends to net income (ytd only)* | 71.6049% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,518 |
| Loan loss allowance to noncurrent loans | 75.9488% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7832% | 1,180 |
| Noncurrent loans to loans | 1.8806% | 2,137 |
| Net loans and leases to total assets | 52.7001% | 4,762 |
| Net loans and leases to deposits | 64.7636% | 4,437 |
| Net loans and leases to core deposits | 67.4121% | 4,573 |
| Total domestic deposits to total assets | 81.3730% | 5,080 |
| Equity capital to assets | 13.7656% | 977 |
| Core capital (leverage) ratio | 14.3934% | 718 |
| Tier 1 risk-based capital ratio | 24.8584% | 863 |
| Total risk-based capital ratio | 26.1096% | 854 |
| Memoranda: | ||
| Average total assets | $672,278,200 | 989 |
| Average earning assets | $640,280,400 | 948 |
| Average equity | $98,498,800 | 716 |
| Average total loans | $347,705,800 | 1,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,963 |
| Cost of funding earning assets | 0.6901% | 2,016 |
| Net interest margin | 3.3520% | 4,454 |
| Noninterest income to average assets | 0.2361% | 5,742 |
| Noninterest expense to average assets | 2.6610% | 4,156 |
| Loan and lease loss provision to assets | 0.4745% | 587 |
| Net operating income to assets | 0.3279% | 5,499 |
| Return on assets (ROA) | 0.3283% | 5,630 |
| Pretax return on assets | 0.2924% | 5,895 |
| Return on Equity (ROE) | 2.2071% | 5,876 |
| Retained earnings to average equity (ytd only) | -0.4073% | 6,022 |
| Net charge-offs to loans | 0.6770% | 889 |
| Credit loss provision to net charge-offs | 136.6705% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.2077% | 4,102 |
| Efficiency ratio | 77.6381% | 2,467 |
| Assets per employee ($millions) | 4.3330% | 3,167 |
| Cash dividends to net income (ytd only)* | 118.4515% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 3,566 |
| Loan loss allowance to noncurrent loans | 60.9262% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7437% | 1,367 |
| Noncurrent loans to loans | 2.4206% | 1,807 |
| Net loans and leases to total assets | 52.9520% | 4,757 |
| Net loans and leases to deposits | 62.6274% | 4,679 |
| Net loans and leases to core deposits | 65.1610% | 4,783 |
| Total domestic deposits to total assets | 84.5508% | 3,950 |
| Equity capital to assets | 14.3074% | 874 |
| Core capital (leverage) ratio | 14.3027% | 787 |
| Tier 1 risk-based capital ratio | 25.5125% | 831 |
| Total risk-based capital ratio | 26.7649% | 816 |
| Memoranda: | ||
| Average total assets | $671,314,500 | 995 |
| Average earning assets | $639,116,250 | 956 |
| Average equity | $99,855,000 | 716 |
| Average total loans | $344,260,750 | 1,236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,957 |
| Cost of funding earning assets | 0.6972% | 2,080 |
| Net interest margin | 3.3434% | 4,409 |
| Noninterest income to average assets | 0.2200% | 5,865 |
| Noninterest expense to average assets | 2.5974% | 4,396 |
| Loan and lease loss provision to assets | 0.2676% | 1,384 |
| Net operating income to assets | 0.5679% | 4,467 |
| Return on assets (ROA) | 0.5694% | 4,630 |
| Pretax return on assets | 0.5417% | 5,231 |
| Return on Equity (ROE) | 3.7802% | 5,300 |
| Retained earnings to average equity (ytd only) | 1.2041% | 5,421 |
| Net charge-offs to loans | 0.9079% | 682 |
| Credit loss provision to net charge-offs | 58.4036% | 3,049 |
| Earnings coverage of net charge-offs (x) | 1.7631% | 3,944 |
| Efficiency ratio | 76.2770% | 2,739 |
| Assets per employee ($millions) | 4.3398% | 3,106 |
| Cash dividends to net income (ytd only)* | 68.1462% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,219 |
| Loan loss allowance to noncurrent loans | 63.0626% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 1,686 |
| Noncurrent loans to loans | 1.8299% | 2,595 |
| Net loans and leases to total assets | 52.3753% | 4,805 |
| Net loans and leases to deposits | 61.6959% | 4,776 |
| Net loans and leases to core deposits | 64.1516% | 4,876 |
| Total domestic deposits to total assets | 84.8926% | 3,948 |
| Equity capital to assets | 14.7521% | 776 |
| Core capital (leverage) ratio | 14.4622% | 712 |
| Tier 1 risk-based capital ratio | 25.8704% | 788 |
| Total risk-based capital ratio | 26.9665% | 783 |
| Memoranda: | ||
| Average total assets | $672,660,000 | 992 |
| Average earning assets | $640,853,330 | 954 |
| Average equity | $101,316,670 | 712 |
| Average total loans | $339,472,330 | 1,249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,952 |
| Cost of funding earning assets | 0.7075% | 2,144 |
| Net interest margin | 3.3331% | 4,388 |
| Noninterest income to average assets | 0.3376% | 4,997 |
| Noninterest expense to average assets | 2.4511% | 4,948 |
| Loan and lease loss provision to assets | 0.2748% | 1,285 |
| Net operating income to assets | 0.6919% | 3,730 |
| Return on assets (ROA) | 0.6945% | 3,859 |
| Pretax return on assets | 0.7873% | 4,221 |
| Return on Equity (ROE) | 4.5659% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.0494% | 4,979 |
| Net charge-offs to loans | 0.6079% | 1,002 |
| Credit loss provision to net charge-offs | 91.7647% | 1,994 |
| Earnings coverage of net charge-offs (x) | 3.5373% | 2,749 |
| Efficiency ratio | 69.8277% | 4,006 |
| Assets per employee ($millions) | 4.6411% | 2,740 |
| Cash dividends to net income (ytd only)* | 55.1141% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,298 |
| Loan loss allowance to noncurrent loans | 58.0832% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.8193% | 1,604 |
| Noncurrent loans to loans | 2.3892% | 2,173 |
| Net loans and leases to total assets | 48.6361% | 5,162 |
| Net loans and leases to deposits | 58.0051% | 5,033 |
| Net loans and leases to core deposits | 60.4974% | 5,095 |
| Total domestic deposits to total assets | 83.8480% | 4,540 |
| Equity capital to assets | 15.3054% | 680 |
| Core capital (leverage) ratio | 13.9688% | 804 |
| Tier 1 risk-based capital ratio | 27.0296% | 704 |
| Total risk-based capital ratio | 28.2591% | 693 |
| Memoranda: | ||
| Average total assets | $681,332,500 | 988 |
| Average earning assets | $648,518,500 | 938 |
| Average equity | $103,638,500 | 703 |
| Average total loans | $335,593,500 | 1,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 4,542 |
| Cost of funding earning assets | 0.7979% | 2,685 |
| Net interest margin | 3.4139% | 4,836 |
| Noninterest income to average assets | 0.3372% | 5,047 |
| Noninterest expense to average assets | 2.3859% | 5,447 |
| Loan and lease loss provision to assets | 0.8810% | 520 |
| Net operating income to assets | 0.3003% | 5,467 |
| Return on assets (ROA) | 0.5966% | 4,515 |
| Pretax return on assets | 0.7088% | 4,641 |
| Return on Equity (ROE) | 3.9397% | 5,170 |
| Retained earnings to average equity (ytd only) | 1.4572% | 5,140 |
| Net charge-offs to loans | 1.5210% | 579 |
| Credit loss provision to net charge-offs | 116.1382% | 2,484 |
| Earnings coverage of net charge-offs (x) | 1.6307% | 4,632 |
| Efficiency ratio | 65.8543% | 4,531 |
| Assets per employee ($millions) | 4.7240% | 2,613 |
| Cash dividends to net income (ytd only)* | 63.0130% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,310 |
| Loan loss allowance to noncurrent loans | 49.9034% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.9515% | 1,607 |
| Noncurrent loans to loans | 2.7452% | 1,926 |
| Net loans and leases to total assets | 48.5181% | 5,358 |
| Net loans and leases to deposits | 57.7645% | 5,269 |
| Net loans and leases to core deposits | 60.3820% | 5,331 |
| Total domestic deposits to total assets | 83.9929% | 4,315 |
| Equity capital to assets | 15.1192% | 708 |
| Core capital (leverage) ratio | 13.5097% | 936 |
| Tier 1 risk-based capital ratio | 26.9170% | 696 |
| Total risk-based capital ratio | 28.1503% | 691 |
| Memoranda: | ||
| Average total assets | $694,296,800 | 947 |
| Average earning assets | $668,247,600 | 901 |
| Average equity | $105,136,200 | 675 |
| Average total loans | $346,287,000 | 1,217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 4,685 |
| Cost of funding earning assets | 0.8137% | 2,835 |
| Net interest margin | 3.4237% | 4,951 |
| Noninterest income to average assets | 0.3029% | 5,360 |
| Noninterest expense to average assets | 2.3217% | 5,627 |
| Loan and lease loss provision to assets | 0.8602% | 533 |
| Net operating income to assets | 0.3600% | 5,405 |
| Return on assets (ROA) | 0.7544% | 3,923 |
| Pretax return on assets | 0.8961% | 4,119 |
| Return on Equity (ROE) | 4.9801% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.5021% | 5,073 |
| Net charge-offs to loans | 1.7787% | 446 |
| Credit loss provision to net charge-offs | 96.6401% | 3,093 |
| Earnings coverage of net charge-offs (x) | 1.4456% | 4,566 |
| Efficiency ratio | 64.3396% | 4,749 |
| Assets per employee ($millions) | 4.7988% | 2,448 |
| Cash dividends to net income (ytd only)* | 49.7585% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,767 |
| Loan loss allowance to noncurrent loans | 33.7184% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 3.0602% | 1,697 |
| Noncurrent loans to loans | 3.2292% | 1,707 |
| Net loans and leases to total assets | 47.3122% | 5,625 |
| Net loans and leases to deposits | 56.5229% | 5,586 |
| Net loans and leases to core deposits | 59.0245% | 5,655 |
| Total domestic deposits to total assets | 83.7044% | 4,357 |
| Equity capital to assets | 15.1772% | 781 |
| Core capital (leverage) ratio | 13.6914% | 947 |
| Tier 1 risk-based capital ratio | 27.7871% | 677 |
| Total risk-based capital ratio | 28.8612% | 678 |
| Memoranda: | ||
| Average total assets | $695,444,000 | 955 |
| Average earning assets | $671,462,750 | 905 |
| Average equity | $105,350,750 | 674 |
| Average total loans | $348,038,500 | 1,212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 4,600 |
| Cost of funding earning assets | 0.8381% | 2,883 |
| Net interest margin | 3.4553% | 4,857 |
| Noninterest income to average assets | 0.2846% | 5,538 |
| Noninterest expense to average assets | 2.3621% | 5,587 |
| Loan and lease loss provision to assets | 0.2834% | 2,309 |
| Net operating income to assets | 0.7322% | 3,698 |
| Return on assets (ROA) | 0.8626% | 3,341 |
| Pretax return on assets | 1.1621% | 3,076 |
| Return on Equity (ROE) | 5.6978% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.2126% | 4,477 |
| Net charge-offs to loans | 0.0795% | 4,354 |
| Credit loss provision to net charge-offs | 702.1429% | 453 |
| Earnings coverage of net charge-offs (x) | 31.4500% | 1,040 |
| Efficiency ratio | 65.0445% | 4,718 |
| Assets per employee ($millions) | 4.8205% | 2,408 |
| Cash dividends to net income (ytd only)* | 43.6163% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,714 |
| Loan loss allowance to noncurrent loans | 20.8309% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 3.7153% | 1,401 |
| Noncurrent loans to loans | 6.4191% | 659 |
| Net loans and leases to total assets | 49.7515% | 5,385 |
| Net loans and leases to deposits | 59.6012% | 5,275 |
| Net loans and leases to core deposits | 62.1350% | 5,374 |
| Total domestic deposits to total assets | 83.4740% | 4,543 |
| Equity capital to assets | 15.3879% | 701 |
| Core capital (leverage) ratio | 13.5821% | 947 |
| Tier 1 risk-based capital ratio | 28.1224% | 633 |
| Total risk-based capital ratio | 29.3742% | 623 |
| Memoranda: | ||
| Average total assets | $693,719,000 | 953 |
| Average earning assets | $671,959,000 | 908 |
| Average equity | $105,023,000 | 673 |
| Average total loans | $352,342,330 | 1,187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 4,510 |
| Cost of funding earning assets | 0.8723% | 2,894 |
| Net interest margin | 3.4805% | 4,788 |
| Noninterest income to average assets | 0.2477% | 5,872 |
| Noninterest expense to average assets | 2.3624% | 5,592 |
| Loan and lease loss provision to assets | 0.3512% | 1,781 |
| Net operating income to assets | 0.6627% | 4,067 |
| Return on assets (ROA) | 0.6627% | 4,280 |
| Pretax return on assets | 0.9076% | 4,005 |
| Return on Equity (ROE) | 4.4135% | 5,090 |
| Retained earnings to average equity (ytd only) | 1.9139% | 5,295 |
| Net charge-offs to loans | 0.0158% | 4,464 |
| Credit loss provision to net charge-offs | 4,364.2857% | 62 |
| Earnings coverage of net charge-offs (x) | 156.4286% | 235 |
| Efficiency ratio | 65.2381% | 4,690 |
| Assets per employee ($millions) | 4.8229% | 2,479 |
| Cash dividends to net income (ytd only)* | 56.6349% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,218 |
| Loan loss allowance to noncurrent loans | 19.7284% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 3.6460% | 1,555 |
| Noncurrent loans to loans | 6.3661% | 749 |
| Net loans and leases to total assets | 49.8341% | 5,329 |
| Net loans and leases to deposits | 59.4964% | 5,214 |
| Net loans and leases to core deposits | 61.9991% | 5,327 |
| Total domestic deposits to total assets | 83.7598% | 4,612 |
| Equity capital to assets | 15.0642% | 736 |
| Core capital (leverage) ratio | 13.3661% | 999 |
| Tier 1 risk-based capital ratio | 28.0246% | 639 |
| Total risk-based capital ratio | 29.2753% | 624 |
| Memoranda: | ||
| Average total assets | $695,912,500 | 951 |
| Average earning assets | $674,502,500 | 901 |
| Average equity | $104,497,500 | 673 |
| Average total loans | $354,713,000 | 1,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 4,195 |
| Cost of funding earning assets | 1.1310% | 2,462 |
| Net interest margin | 3.5802% | 4,807 |
| Noninterest income to average assets | 0.2434% | 5,801 |
| Noninterest expense to average assets | 2.3840% | 5,815 |
| Loan and lease loss provision to assets | 0.0780% | 5,637 |
| Net operating income to assets | 1.0019% | 2,188 |
| Return on assets (ROA) | 1.0076% | 2,313 |
| Pretax return on assets | 1.2548% | 2,284 |
| Return on Equity (ROE) | 7.1546% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.0573% | 2,597 |
| Net charge-offs to loans | 0.2417% | 4,268 |
| Credit loss provision to net charge-offs | 60.9784% | 5,144 |
| Earnings coverage of net charge-offs (x) | 10.3652% | 1,846 |
| Efficiency ratio | 64.2650% | 5,078 |
| Assets per employee ($millions) | 4.9108% | 2,316 |
| Cash dividends to net income (ytd only)* | 29.3141% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,961 |
| Loan loss allowance to noncurrent loans | 17.5410% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 3.5637% | 1,655 |
| Noncurrent loans to loans | 6.0435% | 816 |
| Net loans and leases to total assets | 50.9262% | 5,474 |
| Net loans and leases to deposits | 60.7160% | 5,404 |
| Net loans and leases to core deposits | 63.1036% | 5,551 |
| Total domestic deposits to total assets | 83.8761% | 4,369 |
| Equity capital to assets | 14.9678% | 793 |
| Core capital (leverage) ratio | 13.2034% | 1,070 |
| Tier 1 risk-based capital ratio | 26.9899% | 708 |
| Total risk-based capital ratio | 28.1006% | 696 |
| Memoranda: | ||
| Average total assets | $687,291,600 | 947 |
| Average earning assets | $665,418,400 | 893 |
| Average equity | $96,791,200 | 710 |
| Average total loans | $363,632,000 | 1,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 4,247 |
| Cost of funding earning assets | 1.1902% | 2,381 |
| Net interest margin | 3.5565% | 4,953 |
| Noninterest income to average assets | 0.2366% | 5,931 |
| Noninterest expense to average assets | 2.3705% | 5,848 |
| Loan and lease loss provision to assets | 0.0424% | 5,906 |
| Net operating income to assets | 1.0187% | 2,256 |
| Return on assets (ROA) | 1.0263% | 2,395 |
| Pretax return on assets | 1.2751% | 2,381 |
| Return on Equity (ROE) | 7.4059% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.2660% | 3,022 |
| Net charge-offs to loans | 0.2050% | 4,159 |
| Credit loss provision to net charge-offs | 38.8592% | 5,276 |
| Earnings coverage of net charge-offs (x) | 11.9751% | 1,752 |
| Efficiency ratio | 64.4419% | 4,990 |
| Assets per employee ($millions) | 4.9385% | 2,274 |
| Cash dividends to net income (ytd only)* | 28.8940% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 6,045 |
| Loan loss allowance to noncurrent loans | 16.8901% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 3.6673% | 1,709 |
| Noncurrent loans to loans | 6.2207% | 878 |
| Net loans and leases to total assets | 51.4620% | 5,517 |
| Net loans and leases to deposits | 61.1650% | 5,491 |
| Net loans and leases to core deposits | 63.6353% | 5,657 |
| Total domestic deposits to total assets | 84.1363% | 4,164 |
| Equity capital to assets | 14.6870% | 936 |
| Core capital (leverage) ratio | 13.2273% | 1,138 |
| Tier 1 risk-based capital ratio | 26.1645% | 819 |
| Total risk-based capital ratio | 27.2548% | 815 |
| Memoranda: | ||
| Average total assets | $684,781,500 | 958 |
| Average earning assets | $662,737,250 | 899 |
| Average equity | $94,895,250 | 726 |
| Average total loans | $364,807,500 | 1,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 4,247 |
| Cost of funding earning assets | 1.2267% | 2,401 |
| Net interest margin | 3.5342% | 4,997 |
| Noninterest income to average assets | 0.2488% | 5,867 |
| Noninterest expense to average assets | 2.3077% | 6,101 |
| Loan and lease loss provision to assets | 0.0329% | 5,904 |
| Net operating income to assets | 1.0442% | 2,055 |
| Return on assets (ROA) | 1.0553% | 2,115 |
| Pretax return on assets | 1.3443% | 1,986 |
| Return on Equity (ROE) | 7.7739% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.5778% | 2,651 |
| Net charge-offs to loans | 0.0317% | 5,403 |
| Credit loss provision to net charge-offs | 193.1034% | 1,561 |
| Earnings coverage of net charge-offs (x) | 80.0172% | 424 |
| Efficiency ratio | 62.8661% | 5,422 |
| Assets per employee ($millions) | 4.8097% | 2,394 |
| Cash dividends to net income (ytd only)* | 28.2494% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,736 |
| Loan loss allowance to noncurrent loans | 18.5617% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 3.7084% | 1,755 |
| Noncurrent loans to loans | 6.2341% | 925 |
| Net loans and leases to total assets | 52.5539% | 5,493 |
| Net loans and leases to deposits | 61.7806% | 5,526 |
| Net loans and leases to core deposits | 64.4536% | 5,681 |
| Total domestic deposits to total assets | 85.0654% | 3,848 |
| Equity capital to assets | 14.0644% | 1,078 |
| Core capital (leverage) ratio | 13.0916% | 1,113 |
| Tier 1 risk-based capital ratio | 25.7625% | 830 |
| Total risk-based capital ratio | 26.9632% | 818 |
| Memoranda: | ||
| Average total assets | $680,934,000 | 973 |
| Average earning assets | $659,330,000 | 918 |
| Average equity | $92,437,330 | 740 |
| Average total loans | $365,694,330 | 1,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 4,234 |
| Cost of funding earning assets | 1.2494% | 2,509 |
| Net interest margin | 3.5148% | 4,938 |
| Noninterest income to average assets | 0.2600% | 5,811 |
| Noninterest expense to average assets | 2.3238% | 6,128 |
| Loan and lease loss provision to assets | 0.0006% | 5,838 |
| Net operating income to assets | 1.0578% | 1,983 |
| Return on assets (ROA) | 1.0578% | 2,035 |
| Pretax return on assets | 1.3366% | 1,918 |
| Return on Equity (ROE) | 7.9357% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.6980% | 2,799 |
| Net charge-offs to loans | 0.0087% | 4,983 |
| Credit loss provision to net charge-offs | 12.5000% | 4,364 |
| Earnings coverage of net charge-offs (x) | 284.1250% | 103 |
| Efficiency ratio | 63.4742% | 5,444 |
| Assets per employee ($millions) | 4.7668% | 2,475 |
| Cash dividends to net income (ytd only)* | 28.1980% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,882 |
| Loan loss allowance to noncurrent loans | 19.7303% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 3.4767% | 1,962 |
| Noncurrent loans to loans | 5.7854% | 1,115 |
| Net loans and leases to total assets | 52.2471% | 5,543 |
| Net loans and leases to deposits | 60.6875% | 5,655 |
| Net loans and leases to core deposits | 62.9467% | 5,830 |
| Total domestic deposits to total assets | 86.0920% | 3,474 |
| Equity capital to assets | 13.3542% | 1,241 |
| Core capital (leverage) ratio | 13.0409% | 1,109 |
| Tier 1 risk-based capital ratio | 25.2776% | 851 |
| Total risk-based capital ratio | 26.4554% | 838 |
| Memoranda: | ||
| Average total assets | $679,915,500 | 980 |
| Average earning assets | $657,903,000 | 924 |
| Average equity | $90,628,000 | 744 |
| Average total loans | $366,976,500 | 1,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 4,711 |
| Cost of funding earning assets | 1.3934% | 3,312 |
| Net interest margin | 3.5734% | 4,949 |
| Noninterest income to average assets | 0.2917% | 5,696 |
| Noninterest expense to average assets | 2.3560% | 6,206 |
| Loan and lease loss provision to assets | 0.0759% | 6,392 |
| Net operating income to assets | 1.0413% | 1,909 |
| Return on assets (ROA) | 1.0434% | 1,998 |
| Pretax return on assets | 1.3139% | 1,898 |
| Return on Equity (ROE) | 7.6265% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.3571% | 2,213 |
| Net charge-offs to loans | 0.2515% | 4,782 |
| Credit loss provision to net charge-offs | 53.2189% | 6,216 |
| Earnings coverage of net charge-offs (x) | 9.7318% | 1,791 |
| Efficiency ratio | 62.9418% | 5,526 |
| Assets per employee ($millions) | 4.6124% | 2,683 |
| Cash dividends to net income (ytd only)* | 29.7567% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,890 |
| Loan loss allowance to noncurrent loans | 19.3895% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 3.5592% | 1,935 |
| Noncurrent loans to loans | 5.7635% | 1,104 |
| Net loans and leases to total assets | 54.5030% | 5,569 |
| Net loans and leases to deposits | 63.2655% | 5,714 |
| Net loans and leases to core deposits | 65.6151% | 5,916 |
| Total domestic deposits to total assets | 86.1496% | 3,279 |
| Equity capital to assets | 13.3039% | 1,254 |
| Core capital (leverage) ratio | 12.9019% | 1,160 |
| Tier 1 risk-based capital ratio | 24.1744% | 916 |
| Total risk-based capital ratio | 25.3194% | 908 |
| Memoranda: | ||
| Average total assets | $653,849,200 | 1,019 |
| Average earning assets | $631,560,000 | 955 |
| Average equity | $89,451,200 | 748 |
| Average total loans | $370,569,800 | 1,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 4,768 |
| Cost of funding earning assets | 1.4093% | 3,527 |
| Net interest margin | 3.6004% | 4,876 |
| Noninterest income to average assets | 0.3014% | 5,734 |
| Noninterest expense to average assets | 2.2894% | 6,358 |
| Loan and lease loss provision to assets | 0.0723% | 6,337 |
| Net operating income to assets | 1.0965% | 1,896 |
| Return on assets (ROA) | 1.0992% | 1,995 |
| Pretax return on assets | 1.4195% | 1,828 |
| Return on Equity (ROE) | 7.9775% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.7065% | 2,539 |
| Net charge-offs to loans | 0.1184% | 5,366 |
| Credit loss provision to net charge-offs | 106.9909% | 3,996 |
| Earnings coverage of net charge-offs (x) | 22.0180% | 1,111 |
| Efficiency ratio | 60.6026% | 5,854 |
| Assets per employee ($millions) | 4.7420% | 2,535 |
| Cash dividends to net income (ytd only)* | 28.4673% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,296 |
| Loan loss allowance to noncurrent loans | 20.9219% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 3.6270% | 1,965 |
| Noncurrent loans to loans | 5.9200% | 1,069 |
| Net loans and leases to total assets | 54.1740% | 5,826 |
| Net loans and leases to deposits | 63.5190% | 5,967 |
| Net loans and leases to core deposits | 65.8058% | 6,143 |
| Total domestic deposits to total assets | 85.2879% | 3,472 |
| Equity capital to assets | 13.8503% | 1,221 |
| Core capital (leverage) ratio | 12.9569% | 1,247 |
| Tier 1 risk-based capital ratio | 24.1740% | 930 |
| Total risk-based capital ratio | 25.4244% | 902 |
| Memoranda: | ||
| Average total assets | $648,958,500 | 1,038 |
| Average earning assets | $626,574,500 | 967 |
| Average equity | $89,416,500 | 742 |
| Average total loans | $370,417,750 | 1,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 4,675 |
| Cost of funding earning assets | 1.4255% | 3,714 |
| Net interest margin | 3.6301% | 4,692 |
| Noninterest income to average assets | 0.3019% | 5,739 |
| Noninterest expense to average assets | 2.3030% | 6,343 |
| Loan and lease loss provision to assets | 0.0019% | 6,852 |
| Net operating income to assets | 1.1781% | 1,616 |
| Return on assets (ROA) | 1.1820% | 1,676 |
| Pretax return on assets | 1.5046% | 1,551 |
| Return on Equity (ROE) | 8.5946% | 2,621 |
| Retained earnings to average equity (ytd only) | 6.2856% | 2,179 |
| Net charge-offs to loans | 0.1417% | 4,806 |
| Credit loss provision to net charge-offs | 2.2901% | 5,994 |
| Earnings coverage of net charge-offs (x) | 18.3168% | 1,295 |
| Efficiency ratio | 60.5345% | 5,948 |
| Assets per employee ($millions) | 4.6311% | 2,680 |
| Cash dividends to net income (ytd only)* | 26.8661% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,606 |
| Loan loss allowance to noncurrent loans | 19.7951% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 3.7240% | 1,876 |
| Noncurrent loans to loans | 5.9113% | 1,087 |
| Net loans and leases to total assets | 55.5854% | 5,771 |
| Net loans and leases to deposits | 65.2073% | 5,898 |
| Net loans and leases to core deposits | 67.3643% | 6,111 |
| Total domestic deposits to total assets | 85.2440% | 3,493 |
| Equity capital to assets | 13.9330% | 1,186 |
| Core capital (leverage) ratio | 13.1371% | 1,162 |
| Tier 1 risk-based capital ratio | 24.1118% | 934 |
| Total risk-based capital ratio | 25.3315% | 919 |
| Memoranda: | ||
| Average total assets | $639,244,000 | 1,059 |
| Average earning assets | $616,787,670 | 996 |
| Average equity | $87,915,670 | 743 |
| Average total loans | $369,903,000 | 1,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 4,667 |
| Cost of funding earning assets | 1.4525% | 3,858 |
| Net interest margin | 3.6201% | 4,623 |
| Noninterest income to average assets | 0.3047% | 5,707 |
| Noninterest expense to average assets | 2.2804% | 6,443 |
| Loan and lease loss provision to assets | 0.0019% | 6,551 |
| Net operating income to assets | 1.2134% | 1,504 |
| Return on assets (ROA) | 1.2164% | 1,571 |
| Pretax return on assets | 1.5199% | 1,469 |
| Return on Equity (ROE) | 8.9054% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.5442% | 2,351 |
| Net charge-offs to loans | 0.2822% | 3,282 |
| Credit loss provision to net charge-offs | 1.1494% | 5,118 |
| Earnings coverage of net charge-offs (x) | 9.1609% | 1,887 |
| Efficiency ratio | 60.0368% | 6,165 |
| Assets per employee ($millions) | 4.4129% | 3,105 |
| Cash dividends to net income (ytd only)* | 26.5136% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,642 |
| Loan loss allowance to noncurrent loans | 19.5402% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 3.8262% | 1,816 |
| Noncurrent loans to loans | 6.0054% | 1,094 |
| Net loans and leases to total assets | 56.9373% | 5,619 |
| Net loans and leases to deposits | 66.3044% | 5,791 |
| Net loans and leases to core deposits | 68.4779% | 6,056 |
| Total domestic deposits to total assets | 85.8726% | 3,223 |
| Equity capital to assets | 13.5445% | 1,305 |
| Core capital (leverage) ratio | 13.3485% | 1,117 |
| Tier 1 risk-based capital ratio | 23.5708% | 1,004 |
| Total risk-based capital ratio | 24.7817% | 984 |
| Memoranda: | ||
| Average total assets | $630,056,500 | 1,098 |
| Average earning assets | $608,046,500 | 1,032 |
| Average equity | $86,060,500 | 771 |
| Average total loans | $369,920,500 | 1,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 4,395 |
| Cost of funding earning assets | 1.6956% | 4,535 |
| Net interest margin | 3.7634% | 3,857 |
| Noninterest income to average assets | 0.3222% | 5,785 |
| Noninterest expense to average assets | 2.3234% | 6,681 |
| Loan and lease loss provision to assets | 0.1133% | 6,509 |
| Net operating income to assets | 1.1676% | 1,337 |
| Return on assets (ROA) | 1.1721% | 1,364 |
| Pretax return on assets | 1.5204% | 1,135 |
| Return on Equity (ROE) | 8.4113% | 2,235 |
| Retained earnings to average equity (ytd only) | 5.9727% | 1,359 |
| Net charge-offs to loans | 0.0147% | 7,014 |
| Credit loss provision to net charge-offs | 1,277.3585% | 238 |
| Earnings coverage of net charge-offs (x) | 183.4906% | 152 |
| Efficiency ratio | 58.8011% | 6,649 |
| Assets per employee ($millions) | 4.5273% | 2,875 |
| Cash dividends to net income (ytd only)* | 28.9917% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,131 |
| Loan loss allowance to noncurrent loans | 68.2832% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 4,333 |
| Noncurrent loans to loans | 1.8109% | 3,913 |
| Net loans and leases to total assets | 59.1060% | 5,474 |
| Net loans and leases to deposits | 69.0084% | 5,724 |
| Net loans and leases to core deposits | 80.8788% | 6,008 |
| Total domestic deposits to total assets | 85.6503% | 3,199 |
| Equity capital to assets | 13.7775% | 1,226 |
| Core capital (leverage) ratio | 13.4424% | 1,112 |
| Tier 1 risk-based capital ratio | 22.7646% | 1,068 |
| Total risk-based capital ratio | 24.0146% | 1,046 |
| Memoranda: | ||
| Average total assets | $597,407,200 | 1,158 |
| Average earning assets | $576,079,800 | 1,097 |
| Average equity | $83,244,800 | 777 |
| Average total loans | $360,538,400 | 1,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 4,456 |
| Cost of funding earning assets | 1.7432% | 4,678 |
| Net interest margin | 3.7482% | 3,870 |
| Noninterest income to average assets | 0.3225% | 5,901 |
| Noninterest expense to average assets | 2.2457% | 6,852 |
| Loan and lease loss provision to assets | 0.0728% | 6,629 |
| Net operating income to assets | 1.2770% | 1,272 |
| Return on assets (ROA) | 1.2833% | 1,336 |
| Pretax return on assets | 1.6253% | 1,126 |
| Return on Equity (ROE) | 9.1824% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.7267% | 1,618 |
| Net charge-offs to loans | 0.0089% | 6,828 |
| Credit loss provision to net charge-offs | 1,345.8333% | 291 |
| Earnings coverage of net charge-offs (x) | 312.5338% | 118 |
| Efficiency ratio | 57.0562% | 6,867 |
| Assets per employee ($millions) | 4.4585% | 2,928 |
| Cash dividends to net income (ytd only)* | 26.7428% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,377 |
| Loan loss allowance to noncurrent loans | 59.1457% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 4,156 |
| Noncurrent loans to loans | 1.9561% | 3,696 |
| Net loans and leases to total assets | 59.2226% | 5,707 |
| Net loans and leases to deposits | 69.5881% | 5,964 |
| Net loans and leases to core deposits | 80.8470% | 6,282 |
| Total domestic deposits to total assets | 85.1045% | 3,174 |
| Equity capital to assets | 14.1030% | 1,275 |
| Core capital (leverage) ratio | 13.5887% | 1,207 |
| Tier 1 risk-based capital ratio | 22.6475% | 1,153 |
| Total risk-based capital ratio | 23.8238% | 1,137 |
| Memoranda: | ||
| Average total assets | $591,699,750 | 1,179 |
| Average earning assets | $570,424,000 | 1,121 |
| Average equity | $82,692,750 | 790 |
| Average total loans | $357,876,250 | 1,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 4,243 |
| Cost of funding earning assets | 1.7980% | 4,773 |
| Net interest margin | 3.7684% | 3,689 |
| Noninterest income to average assets | 0.3213% | 5,940 |
| Noninterest expense to average assets | 2.2838% | 6,802 |
| Loan and lease loss provision to assets | 0.1096% | 6,060 |
| Net operating income to assets | 1.2062% | 1,455 |
| Return on assets (ROA) | 1.2154% | 1,518 |
| Pretax return on assets | 1.5778% | 1,261 |
| Return on Equity (ROE) | 8.7247% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.2287% | 1,918 |
| Net charge-offs to loans | 0.0130% | 6,372 |
| Credit loss provision to net charge-offs | 1,391.3043% | 362 |
| Earnings coverage of net charge-offs (x) | 212.6522% | 198 |
| Efficiency ratio | 57.6830% | 6,911 |
| Assets per employee ($millions) | 4.3442% | 3,027 |
| Cash dividends to net income (ytd only)* | 28.6077% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,942 |
| Loan loss allowance to noncurrent loans | 88.0240% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,688 |
| Noncurrent loans to loans | 1.3632% | 4,491 |
| Net loans and leases to total assets | 58.9755% | 5,847 |
| Net loans and leases to deposits | 69.0689% | 6,088 |
| Net loans and leases to core deposits | 79.8825% | 6,418 |
| Total domestic deposits to total assets | 85.3865% | 3,070 |
| Equity capital to assets | 13.8761% | 1,355 |
| Core capital (leverage) ratio | 13.8217% | 1,187 |
| Tier 1 risk-based capital ratio | 23.1209% | 1,120 |
| Total risk-based capital ratio | 24.3457% | 1,103 |
| Memoranda: | ||
| Average total assets | $583,840,000 | 1,217 |
| Average earning assets | $563,633,670 | 1,151 |
| Average equity | $81,332,670 | 809 |
| Average total loans | $354,285,330 | 1,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 3,710 |
| Cost of funding earning assets | 1.8784% | 4,747 |
| Net interest margin | 3.8379% | 3,307 |
| Noninterest income to average assets | 0.3279% | 5,827 |
| Noninterest expense to average assets | 2.1765% | 6,929 |
| Loan and lease loss provision to assets | 0.0540% | 6,289 |
| Net operating income to assets | 1.3791% | 1,185 |
| Return on assets (ROA) | 1.3940% | 1,243 |
| Pretax return on assets | 1.8147% | 950 |
| Return on Equity (ROE) | 9.9868% | 2,326 |
| Retained earnings to average equity (ytd only) | 7.4690% | 2,034 |
| Net charge-offs to loans | 0.0113% | 5,462 |
| Credit loss provision to net charge-offs | 780.0000% | 763 |
| Earnings coverage of net charge-offs (x) | 267.3000% | 154 |
| Efficiency ratio | 54.0643% | 7,210 |
| Assets per employee ($millions) | 4.3039% | 3,065 |
| Cash dividends to net income (ytd only)* | 25.2109% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,143 |
| Loan loss allowance to noncurrent loans | 123.1004% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 4,945 |
| Noncurrent loans to loans | 0.9320% | 5,135 |
| Net loans and leases to total assets | 60.2706% | 5,610 |
| Net loans and leases to deposits | 71.8602% | 5,761 |
| Net loans and leases to core deposits | 82.8638% | 6,157 |
| Total domestic deposits to total assets | 83.8720% | 3,765 |
| Equity capital to assets | 14.1969% | 1,311 |
| Core capital (leverage) ratio | 13.7976% | 1,232 |
| Tier 1 risk-based capital ratio | 22.9764% | 1,197 |
| Total risk-based capital ratio | 24.1430% | 1,175 |
| Memoranda: | ||
| Average total assets | $578,179,500 | 1,233 |
| Average earning assets | $557,073,000 | 1,173 |
| Average equity | $80,706,500 | 816 |
| Average total loans | $353,797,000 | 1,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9160% | 5,959 |
| Cost of funding earning assets | 2.3516% | 4,923 |
| Net interest margin | 3.5645% | 5,043 |
| Noninterest income to average assets | 0.3391% | 6,026 |
| Noninterest expense to average assets | 2.3193% | 6,642 |
| Loan and lease loss provision to assets | 0.0551% | 6,723 |
| Net operating income to assets | 1.1304% | 2,027 |
| Return on assets (ROA) | 1.1491% | 1,872 |
| Pretax return on assets | 1.4277% | 1,877 |
| Return on Equity (ROE) | 8.8045% | 2,710 |
| Retained earnings to average equity (ytd only) | 6.0586% | 1,504 |
| Net charge-offs to loans | 0.0274% | 6,446 |
| Credit loss provision to net charge-offs | 346.6667% | 1,302 |
| Earnings coverage of net charge-offs (x) | 91.8556% | 460 |
| Efficiency ratio | 61.3782% | 6,086 |
| Assets per employee ($millions) | 4.2621% | 3,015 |
| Cash dividends to net income (ytd only)* | 31.1876% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,169 |
| Loan loss allowance to noncurrent loans | 200.4042% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 5,181 |
| Noncurrent loans to loans | 0.5559% | 5,695 |
| Net loans and leases to total assets | 60.7277% | 5,805 |
| Net loans and leases to deposits | 71.7414% | 6,084 |
| Net loans and leases to core deposits | 84.4739% | 6,257 |
| Total domestic deposits to total assets | 84.6481% | 3,006 |
| Equity capital to assets | 13.7218% | 1,534 |
| Core capital (leverage) ratio | 13.6898% | 1,336 |
| Tier 1 risk-based capital ratio | 22.1927% | 1,294 |
| Total risk-based capital ratio | 23.3219% | 1,274 |
| Memoranda: | ||
| Average total assets | $566,455,000 | 1,189 |
| Average earning assets | $546,615,200 | 1,130 |
| Average equity | $73,927,800 | 897 |
| Average total loans | $329,041,200 | 1,478 |