Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 2,028 |
| Cost of funding earning assets | 1.3161% | 2,469 |
| Net interest margin | 3.7081% | 1,750 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.8015% | 1,492 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1031% | 1,917 |
| Return on assets (ROA) | 1.0766% | 1,957 |
| Pretax return on assets | 1.3740% | 1,691 |
| Return on Equity (ROE) | 14.8000% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.6400% | 2,010 |
| Net charge-offs to loans | 0.0641% | 1,210 |
| Credit loss provision to net charge-offs | 365.5629% | 830 |
| Earnings coverage of net charge-offs (x) | 43.7053% | 1,387 |
| Efficiency ratio | 64.5855% | 2,534 |
| Assets per employee ($millions) | 4.4134% | 3,992 |
| Cash dividends to net income (ytd only)* | 55.1351% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,509 |
| Loan loss allowance to noncurrent loans | 308.3801% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 1,868 |
| Noncurrent loans to loans | 0.4445% | 1,668 |
| Net loans and leases to total assets | 54.7900% | 3,288 |
| Net loans and leases to deposits | 63.2354% | 3,337 |
| Net loans and leases to core deposits | 66.0549% | 3,495 |
| Total domestic deposits to total assets | 86.6500% | 1,802 |
| Equity capital to assets | 7.6711% | 3,614 |
| Core capital (leverage) ratio | 8.9536% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4919% | 1,396 |
| Memoranda: | ||
| Average total assets | $859,218,800 | 1,124 |
| Average earning assets | $781,940,200 | 1,128 |
| Average equity | $62,499,600 | 1,353 |
| Average total loans | $471,463,400 | 1,291 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 76,471.0000% | 16 |
| Cost of funding earning assets | 828.0000% | 11 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.0680% | 2,143 |
| Pretax return on assets | 1.3573% | 1,874 |
| Return on Equity (ROE) | 14.8900% | 1,462 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0831% | 894 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.3755% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 12.0000% | 4 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 171.0000% | 16 |
| Equity capital to assets | 813.0000% | 43 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $177,000 | 4,635 |
| Average earning assets | $4,549 | 4,606 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 1,928 |
| Cost of funding earning assets | 1.1288% | 2,198 |
| Net interest margin | 3.7008% | 1,812 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.7074% | 1,621 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1455% | 1,980 |
| Return on assets (ROA) | 1.0926% | 2,139 |
| Pretax return on assets | 1.3820% | 1,858 |
| Return on Equity (ROE) | 15.3300% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.0779% | 969 |
| Net charge-offs to loans | 0.0452% | 1,053 |
| Credit loss provision to net charge-offs | 520.7547% | 633 |
| Earnings coverage of net charge-offs (x) | 64.1509% | 1,163 |
| Efficiency ratio | 63.1915% | 2,573 |
| Assets per employee ($millions) | 4.4333% | 3,994 |
| Cash dividends to net income (ytd only)* | 21.2269% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,810 |
| Loan loss allowance to noncurrent loans | 200.7410% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 1,370 |
| Noncurrent loans to loans | 0.6614% | 1,127 |
| Net loans and leases to total assets | 53.8500% | 3,281 |
| Net loans and leases to deposits | 58.3406% | 3,524 |
| Net loans and leases to core deposits | 59.7445% | 3,647 |
| Total domestic deposits to total assets | 92.3000% | 362 |
| Equity capital to assets | 7.3108% | 3,627 |
| Core capital (leverage) ratio | 8.7841% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5091% | 1,424 |
| Memoranda: | ||
| Average total assets | $862,385,000 | 1,113 |
| Average earning assets | $786,650,333 | 1,114 |
| Average equity | $61,451,000 | 1,362 |
| Average total loans | $468,586,667 | 1,285 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 2,001 |
| Cost of funding earning assets | 1.0092% | 2,013 |
| Net interest margin | 3.6280% | 2,063 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.6713% | 1,745 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.1901% | 1,956 |
| Return on assets (ROA) | 1.0820% | 2,253 |
| Pretax return on assets | 1.3289% | 2,090 |
| Return on Equity (ROE) | 15.3800% | 1,480 |
| Retained earnings to average equity (ytd only) | 8.7984% | 2,004 |
| Net charge-offs to loans | 0.0068% | 1,698 |
| Credit loss provision to net charge-offs | 3,450.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 429.1250% | 261 |
| Efficiency ratio | 62.6848% | 2,610 |
| Assets per employee ($millions) | 4.5573% | 3,988 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,025 |
| Loan loss allowance to noncurrent loans | 464.5434% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,286 |
| Noncurrent loans to loans | 0.2804% | 2,138 |
| Net loans and leases to total assets | 52.4200% | 3,321 |
| Net loans and leases to deposits | 56.7975% | 3,527 |
| Net loans and leases to core deposits | 58.1436% | 3,620 |
| Total domestic deposits to total assets | 92.2900% | 450 |
| Equity capital to assets | 7.1646% | 3,751 |
| Core capital (leverage) ratio | 8.5602% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2684% | 1,552 |
| Memoranda: | ||
| Average total assets | $863,548,000 | 1,127 |
| Average earning assets | $791,515,500 | 1,126 |
| Average equity | $60,738,000 | 1,384 |
| Average total loans | $468,210,500 | 1,292 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 1,622 |
| Cost of funding earning assets | 0.3208% | 2,719 |
| Net interest margin | 3.7163% | 1,342 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.6142% | 1,792 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3292% | 1,340 |
| Return on assets (ROA) | 1.2571% | 1,526 |
| Pretax return on assets | 1.5720% | 1,237 |
| Return on Equity (ROE) | 16.9800% | 864 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,793 |
| Net charge-offs to loans | 0.1124% | 668 |
| Credit loss provision to net charge-offs | 215.6250% | 1,071 |
| Earnings coverage of net charge-offs (x) | 29.8691% | 1,688 |
| Efficiency ratio | 59.3390% | 3,146 |
| Assets per employee ($millions) | 4.5324% | 4,011 |
| Cash dividends to net income (ytd only)* | 67.0891% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,265 |
| Loan loss allowance to noncurrent loans | 360.4361% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,074 |
| Noncurrent loans to loans | 0.3402% | 1,931 |
| Net loans and leases to total assets | 54.6800% | 3,142 |
| Net loans and leases to deposits | 60.5071% | 3,300 |
| Net loans and leases to core deposits | 61.7737% | 3,407 |
| Total domestic deposits to total assets | 90.3700% | 1,214 |
| Equity capital to assets | 6.8990% | 3,713 |
| Core capital (leverage) ratio | 8.3623% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7729% | 1,701 |
| Memoranda: | ||
| Average total assets | $853,712,400 | 1,129 |
| Average earning assets | $782,762,600 | 1,128 |
| Average equity | $63,209,200 | 1,342 |
| Average total loans | $455,400,800 | 1,259 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 1,540 |
| Cost of funding earning assets | 0.2115% | 3,131 |
| Net interest margin | 3.6644% | 1,236 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.5334% | 1,912 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4046% | 1,082 |
| Return on assets (ROA) | 1.3690% | 1,143 |
| Pretax return on assets | 1.7096% | 885 |
| Return on Equity (ROE) | 18.1800% | 621 |
| Retained earnings to average equity (ytd only) | 11.5470% | 908 |
| Net charge-offs to loans | 0.1037% | 600 |
| Credit loss provision to net charge-offs | 235.8974% | 914 |
| Earnings coverage of net charge-offs (x) | 34.3732% | 1,451 |
| Efficiency ratio | 57.3585% | 3,459 |
| Assets per employee ($millions) | 4.6196% | 3,962 |
| Cash dividends to net income (ytd only)* | 36.4880% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,544 |
| Loan loss allowance to noncurrent loans | 339.7244% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,075 |
| Noncurrent loans to loans | 0.3525% | 1,972 |
| Net loans and leases to total assets | 54.1500% | 3,085 |
| Net loans and leases to deposits | 59.1268% | 3,272 |
| Net loans and leases to core deposits | 60.4132% | 3,352 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 6.8201% | 3,606 |
| Core capital (leverage) ratio | 8.5368% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9523% | 1,725 |
| Memoranda: | ||
| Average total assets | $854,119,000 | 1,139 |
| Average earning assets | $784,209,750 | 1,142 |
| Average equity | $64,315,250 | 1,346 |
| Average total loans | $451,321,000 | 1,261 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 1,580 |
| Cost of funding earning assets | 0.1414% | 3,693 |
| Net interest margin | 3.5418% | 1,202 |
| Noninterest income to average assets | 1.1221% | 533 |
| Noninterest expense to average assets | 2.5066% | 1,908 |
| Loan and lease loss provision to assets | 0.1297% | 750 |
| Net operating income to assets | 1.4111% | 882 |
| Return on assets (ROA) | 1.3762% | 946 |
| Pretax return on assets | 1.6992% | 754 |
| Return on Equity (ROE) | 17.7117% | 507 |
| Retained earnings to average equity (ytd only) | 8.0315% | 1,603 |
| Net charge-offs to loans | 0.1347% | 477 |
| Credit loss provision to net charge-offs | 184.6154% | 1,007 |
| Earnings coverage of net charge-offs (x) | 26.6355% | 1,443 |
| Efficiency ratio | 57.2472% | 3,648 |
| Assets per employee ($millions) | 4.6520% | 3,968 |
| Cash dividends to net income (ytd only)* | 54.6541% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,884 |
| Loan loss allowance to noncurrent loans | 287.0849% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,048 |
| Noncurrent loans to loans | 0.4045% | 1,918 |
| Net loans and leases to total assets | 52.7227% | 3,090 |
| Net loans and leases to deposits | 58.5280% | 3,178 |
| Net loans and leases to core deposits | 59.8584% | 3,277 |
| Total domestic deposits to total assets | 90.0811% | 1,679 |
| Equity capital to assets | 7.1204% | 3,707 |
| Core capital (leverage) ratio | 8.1948% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5892% | 1,832 |
| Memoranda: | ||
| Average total assets | $850,869,000 | 1,137 |
| Average earning assets | $782,305,667 | 1,146 |
| Average equity | $66,114,667 | 1,344 |
| Average total loans | $443,937,667 | 1,272 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 1,597 |
| Cost of funding earning assets | 0.1240% | 3,847 |
| Net interest margin | 3.4445% | 1,195 |
| Noninterest income to average assets | 0.9442% | 769 |
| Noninterest expense to average assets | 2.5524% | 1,743 |
| Loan and lease loss provision to assets | 0.1319% | 619 |
| Net operating income to assets | 1.1934% | 1,261 |
| Return on assets (ROA) | 1.1914% | 1,265 |
| Pretax return on assets | 1.4304% | 1,177 |
| Return on Equity (ROE) | 14.6870% | 707 |
| Retained earnings to average equity (ytd only) | -4.1727% | 4,388 |
| Net charge-offs to loans | 0.2058% | 298 |
| Credit loss provision to net charge-offs | 124.3243% | 920 |
| Earnings coverage of net charge-offs (x) | 14.7432% | 1,368 |
| Efficiency ratio | 61.9949% | 3,258 |
| Assets per employee ($millions) | 4.6738% | 4,017 |
| Cash dividends to net income (ytd only)* | 128.4109% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,857 |
| Loan loss allowance to noncurrent loans | 258.7278% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 2,082 |
| Noncurrent loans to loans | 0.4639% | 1,866 |
| Net loans and leases to total assets | 49.9474% | 3,181 |
| Net loans and leases to deposits | 54.1664% | 3,407 |
| Net loans and leases to core deposits | 55.3866% | 3,500 |
| Total domestic deposits to total assets | 92.2111% | 502 |
| Equity capital to assets | 7.2709% | 4,065 |
| Core capital (leverage) ratio | 8.1358% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4471% | 2,018 |
| Memoranda: | ||
| Average total assets | $836,686,500 | 1,152 |
| Average earning assets | $770,730,000 | 1,169 |
| Average equity | $67,869,500 | 1,361 |
| Average total loans | $431,405,500 | 1,291 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 1,689 |
| Cost of funding earning assets | 0.1774% | 3,688 |
| Net interest margin | 3.6969% | 1,223 |
| Noninterest income to average assets | 1.1390% | 809 |
| Noninterest expense to average assets | 2.7208% | 1,573 |
| Loan and lease loss provision to assets | 0.1435% | 834 |
| Net operating income to assets | 1.3135% | 1,565 |
| Return on assets (ROA) | 1.3116% | 1,611 |
| Pretax return on assets | 1.6517% | 1,267 |
| Return on Equity (ROE) | 14.0289% | 1,178 |
| Retained earnings to average equity (ytd only) | 8.8861% | 1,238 |
| Net charge-offs to loans | 0.1408% | 665 |
| Credit loss provision to net charge-offs | 191.3345% | 1,335 |
| Earnings coverage of net charge-offs (x) | 23.9723% | 1,762 |
| Efficiency ratio | 60.2174% | 3,115 |
| Assets per employee ($millions) | 4.3480% | 4,233 |
| Cash dividends to net income (ytd only)* | 36.6591% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,790 |
| Loan loss allowance to noncurrent loans | 221.9231% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 2,001 |
| Noncurrent loans to loans | 0.5497% | 1,747 |
| Net loans and leases to total assets | 51.9956% | 3,065 |
| Net loans and leases to deposits | 57.4126% | 3,302 |
| Net loans and leases to core deposits | 58.7323% | 3,416 |
| Total domestic deposits to total assets | 90.5648% | 685 |
| Equity capital to assets | 9.0107% | 3,606 |
| Core capital (leverage) ratio | 8.5960% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3601% | 1,723 |
| Memoranda: | ||
| Average total assets | $769,512,000 | 1,196 |
| Average earning assets | $703,399,600 | 1,215 |
| Average equity | $71,944,200 | 1,319 |
| Average total loans | $409,930,800 | 1,351 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 1,830 |
| Cost of funding earning assets | 0.1919% | 3,701 |
| Net interest margin | 3.6844% | 1,371 |
| Noninterest income to average assets | 1.2160% | 772 |
| Noninterest expense to average assets | 2.6917% | 1,612 |
| Loan and lease loss provision to assets | 0.1453% | 779 |
| Net operating income to assets | 1.3873% | 1,584 |
| Return on assets (ROA) | 1.3851% | 1,652 |
| Pretax return on assets | 1.7362% | 1,315 |
| Return on Equity (ROE) | 14.6730% | 1,203 |
| Retained earnings to average equity (ytd only) | 14.6730% | 442 |
| Net charge-offs to loans | 0.1704% | 504 |
| Credit loss provision to net charge-offs | 159.5376% | 1,323 |
| Earnings coverage of net charge-offs (x) | 20.6879% | 1,722 |
| Efficiency ratio | 58.8210% | 3,150 |
| Assets per employee ($millions) | 4.2841% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,110 |
| Loan loss allowance to noncurrent loans | 86.1472% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 973 |
| Noncurrent loans to loans | 1.3609% | 785 |
| Net loans and leases to total assets | 52.6289% | 3,127 |
| Net loans and leases to deposits | 58.5795% | 3,356 |
| Net loans and leases to core deposits | 59.9711% | 3,468 |
| Total domestic deposits to total assets | 89.8418% | 846 |
| Equity capital to assets | 9.4727% | 3,401 |
| Core capital (leverage) ratio | 9.0332% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6786% | 1,731 |
| Memoranda: | ||
| Average total assets | $759,710,000 | 1,222 |
| Average earning assets | $692,818,250 | 1,244 |
| Average equity | $71,712,500 | 1,341 |
| Average total loans | $405,990,500 | 1,386 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 2,188 |
| Cost of funding earning assets | 0.2196% | 3,564 |
| Net interest margin | 3.5347% | 1,757 |
| Noninterest income to average assets | 0.8981% | 1,279 |
| Noninterest expense to average assets | 2.6781% | 1,646 |
| Loan and lease loss provision to assets | 0.1477% | 811 |
| Net operating income to assets | 1.0581% | 2,686 |
| Return on assets (ROA) | 1.0568% | 2,767 |
| Pretax return on assets | 1.2883% | 2,665 |
| Return on Equity (ROE) | 11.2099% | 2,340 |
| Retained earnings to average equity (ytd only) | 11.2099% | 1,077 |
| Net charge-offs to loans | -0.0075% | 3,561 |
| Credit loss provision to net charge-offs | -3,680.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0693% | 2,292 |
| Assets per employee ($millions) | 3.9211% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,669 |
| Loan loss allowance to noncurrent loans | 85.8713% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 960 |
| Noncurrent loans to loans | 1.4582% | 788 |
| Net loans and leases to total assets | 54.2499% | 3,103 |
| Net loans and leases to deposits | 60.3894% | 3,360 |
| Net loans and leases to core deposits | 61.8597% | 3,471 |
| Total domestic deposits to total assets | 89.8335% | 853 |
| Equity capital to assets | 9.4849% | 3,341 |
| Core capital (leverage) ratio | 8.7255% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2160% | 1,899 |
| Memoranda: | ||
| Average total assets | $747,332,000 | 1,233 |
| Average earning assets | $680,292,667 | 1,256 |
| Average equity | $70,455,667 | 1,354 |
| Average total loans | $399,872,333 | 1,409 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 2,626 |
| Cost of funding earning assets | 0.2262% | 3,670 |
| Net interest margin | 3.3781% | 2,166 |
| Noninterest income to average assets | 0.9062% | 1,311 |
| Noninterest expense to average assets | 2.6679% | 1,694 |
| Loan and lease loss provision to assets | 0.1491% | 875 |
| Net operating income to assets | 0.9887% | 2,843 |
| Return on assets (ROA) | 0.9878% | 2,941 |
| Pretax return on assets | 1.1611% | 2,948 |
| Return on Equity (ROE) | 10.5103% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.5103% | 1,513 |
| Net charge-offs to loans | -0.0614% | 4,475 |
| Credit loss provision to net charge-offs | -460.0000% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0467% | 2,071 |
| Assets per employee ($millions) | 4.0988% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,574 |
| Loan loss allowance to noncurrent loans | 94.8246% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 1,243 |
| Noncurrent loans to loans | 1.3372% | 968 |
| Net loans and leases to total assets | 51.3640% | 3,505 |
| Net loans and leases to deposits | 57.0178% | 3,715 |
| Net loans and leases to core deposits | 58.3835% | 3,809 |
| Total domestic deposits to total assets | 90.0841% | 780 |
| Equity capital to assets | 9.2407% | 3,455 |
| Core capital (leverage) ratio | 8.9746% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5244% | 1,731 |
| Memoranda: | ||
| Average total assets | $740,650,000 | 1,231 |
| Average earning assets | $673,761,000 | 1,254 |
| Average equity | $69,608,000 | 1,357 |
| Average total loans | $390,853,500 | 1,446 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,470 |
| Cost of funding earning assets | 0.4267% | 3,423 |
| Net interest margin | 3.6571% | 1,949 |
| Noninterest income to average assets | 1.2592% | 714 |
| Noninterest expense to average assets | 3.0194% | 1,393 |
| Loan and lease loss provision to assets | 0.1660% | 2,306 |
| Net operating income to assets | 1.1128% | 1,876 |
| Return on assets (ROA) | 1.1101% | 2,008 |
| Pretax return on assets | 1.3780% | 1,731 |
| Return on Equity (ROE) | 10.8247% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.4929% | 3,083 |
| Net charge-offs to loans | 0.0726% | 1,761 |
| Credit loss provision to net charge-offs | 407.3801% | 1,414 |
| Earnings coverage of net charge-offs (x) | 37.9668% | 1,426 |
| Efficiency ratio | 66.1178% | 2,510 |
| Assets per employee ($millions) | 3.8054% | 4,505 |
| Cash dividends to net income (ytd only)* | 67.7323% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,918 |
| Loan loss allowance to noncurrent loans | 74.4773% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 1,076 |
| Noncurrent loans to loans | 1.6179% | 814 |
| Net loans and leases to total assets | 52.9108% | 3,585 |
| Net loans and leases to deposits | 58.9220% | 3,835 |
| Net loans and leases to core deposits | 60.3947% | 3,918 |
| Total domestic deposits to total assets | 89.7981% | 640 |
| Equity capital to assets | 9.5635% | 3,545 |
| Core capital (leverage) ratio | 9.3588% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9008% | 1,564 |
| Memoranda: | ||
| Average total assets | $664,972,000 | 1,226 |
| Average earning assets | $601,405,600 | 1,259 |
| Average equity | $68,196,200 | 1,319 |
| Average total loans | $373,515,400 | 1,437 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,560 |
| Cost of funding earning assets | 0.4832% | 3,339 |
| Net interest margin | 3.6556% | 2,085 |
| Noninterest income to average assets | 1.1360% | 815 |
| Noninterest expense to average assets | 3.0704% | 1,289 |
| Loan and lease loss provision to assets | 0.1697% | 2,299 |
| Net operating income to assets | 0.9774% | 2,422 |
| Return on assets (ROA) | 0.9751% | 2,566 |
| Pretax return on assets | 1.1948% | 2,407 |
| Return on Equity (ROE) | 9.3329% | 2,269 |
| Retained earnings to average equity (ytd only) | 7.3710% | 1,553 |
| Net charge-offs to loans | 0.0594% | 1,756 |
| Credit loss provision to net charge-offs | 501.8182% | 1,274 |
| Earnings coverage of net charge-offs (x) | 40.4303% | 1,352 |
| Efficiency ratio | 69.1871% | 2,008 |
| Assets per employee ($millions) | 3.5710% | 4,626 |
| Cash dividends to net income (ytd only)* | 21.0217% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,036 |
| Loan loss allowance to noncurrent loans | 72.9633% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 1,037 |
| Noncurrent loans to loans | 1.5492% | 915 |
| Net loans and leases to total assets | 59.5298% | 3,278 |
| Net loans and leases to deposits | 67.5284% | 3,509 |
| Net loans and leases to core deposits | 69.0451% | 3,696 |
| Total domestic deposits to total assets | 88.1552% | 1,147 |
| Equity capital to assets | 10.6888% | 2,632 |
| Core capital (leverage) ratio | 9.2728% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7571% | 1,313 |
| Memoranda: | ||
| Average total assets | $650,459,500 | 1,234 |
| Average earning assets | $587,508,500 | 1,263 |
| Average equity | $67,958,750 | 1,311 |
| Average total loans | $370,088,500 | 1,441 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,865 |
| Cost of funding earning assets | 0.5510% | 3,231 |
| Net interest margin | 3.6141% | 2,439 |
| Noninterest income to average assets | 1.2020% | 693 |
| Noninterest expense to average assets | 2.9972% | 1,577 |
| Loan and lease loss provision to assets | 0.1706% | 2,301 |
| Net operating income to assets | 1.0582% | 2,113 |
| Return on assets (ROA) | 1.0561% | 2,254 |
| Pretax return on assets | 1.2898% | 2,066 |
| Return on Equity (ROE) | 10.1887% | 1,930 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,567 |
| Net charge-offs to loans | 0.0748% | 1,504 |
| Credit loss provision to net charge-offs | 408.8889% | 1,390 |
| Earnings coverage of net charge-offs (x) | 35.0593% | 1,332 |
| Efficiency ratio | 67.2003% | 2,353 |
| Assets per employee ($millions) | 3.6544% | 4,575 |
| Cash dividends to net income (ytd only)* | 29.2654% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 2,943 |
| Loan loss allowance to noncurrent loans | 125.7396% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,016 |
| Noncurrent loans to loans | 0.8896% | 1,719 |
| Net loans and leases to total assets | 52.9959% | 3,955 |
| Net loans and leases to deposits | 59.4086% | 4,143 |
| Net loans and leases to core deposits | 60.7757% | 4,223 |
| Total domestic deposits to total assets | 89.2058% | 669 |
| Equity capital to assets | 9.7404% | 3,432 |
| Core capital (leverage) ratio | 9.3115% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6591% | 1,327 |
| Memoranda: | ||
| Average total assets | $647,070,333 | 1,216 |
| Average earning assets | $583,330,667 | 1,250 |
| Average equity | $67,074,000 | 1,313 |
| Average total loans | $360,862,667 | 1,458 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 2,394 |
| Cost of funding earning assets | 0.6484% | 3,178 |
| Net interest margin | 3.8209% | 1,896 |
| Noninterest income to average assets | 1.5497% | 372 |
| Noninterest expense to average assets | 3.1941% | 1,440 |
| Loan and lease loss provision to assets | 0.1792% | 1,662 |
| Net operating income to assets | 1.3247% | 1,174 |
| Return on assets (ROA) | 1.3231% | 1,275 |
| Pretax return on assets | 1.5906% | 1,078 |
| Return on Equity (ROE) | 12.3358% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.2829% | 1,777 |
| Net charge-offs to loans | 0.0706% | 1,323 |
| Credit loss provision to net charge-offs | 445.1613% | 943 |
| Earnings coverage of net charge-offs (x) | 44.0161% | 979 |
| Efficiency ratio | 64.3221% | 3,187 |
| Assets per employee ($millions) | 3.3620% | 4,592 |
| Cash dividends to net income (ytd only)* | 49.0677% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,973 |
| Loan loss allowance to noncurrent loans | 97.8245% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 1,672 |
| Noncurrent loans to loans | 1.1685% | 1,410 |
| Net loans and leases to total assets | 53.6603% | 4,015 |
| Net loans and leases to deposits | 60.6378% | 4,179 |
| Net loans and leases to core deposits | 62.0988% | 4,268 |
| Total domestic deposits to total assets | 88.4932% | 883 |
| Equity capital to assets | 10.2977% | 3,522 |
| Core capital (leverage) ratio | 9.9790% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6525% | 1,431 |
| Memoranda: | ||
| Average total assets | $616,133,000 | 1,238 |
| Average earning assets | $550,866,000 | 1,266 |
| Average equity | $66,084,000 | 1,327 |
| Average total loans | $351,313,000 | 1,449 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 1,480 |
| Cost of funding earning assets | 0.7062% | 3,132 |
| Net interest margin | 4.2944% | 1,098 |
| Noninterest income to average assets | 1.4299% | 461 |
| Noninterest expense to average assets | 3.4073% | 1,104 |
| Loan and lease loss provision to assets | 0.1394% | 1,531 |
| Net operating income to assets | 1.3602% | 1,473 |
| Return on assets (ROA) | 1.3622% | 1,548 |
| Pretax return on assets | 1.7092% | 1,165 |
| Return on Equity (ROE) | 12.0197% | 1,504 |
| Retained earnings to average equity (ytd only) | 1.3124% | 4,270 |
| Net charge-offs to loans | 0.1040% | 1,690 |
| Credit loss provision to net charge-offs | 214.4000% | 1,230 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 1,629 |
| Efficiency ratio | 64.8584% | 2,960 |
| Assets per employee ($millions) | 3.0853% | 4,773 |
| Cash dividends to net income (ytd only)* | 89.0812% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 2,958 |
| Loan loss allowance to noncurrent loans | 126.3765% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 1,656 |
| Noncurrent loans to loans | 0.8701% | 1,766 |
| Net loans and leases to total assets | 59.4373% | 3,638 |
| Net loans and leases to deposits | 67.8050% | 3,834 |
| Net loans and leases to core deposits | 69.7698% | 3,971 |
| Total domestic deposits to total assets | 87.6592% | 1,294 |
| Equity capital to assets | 11.2067% | 2,809 |
| Core capital (leverage) ratio | 10.5201% | 2,933 |
| Tier 1 risk-based capital ratio | 16.2799% | 2,302 |
| Total risk-based capital ratio | 17.3138% | 2,329 |
| Memoranda: | ||
| Average total assets | $576,874,000 | 1,265 |
| Average earning assets | $513,617,400 | 1,303 |
| Average equity | $65,376,000 | 1,291 |
| Average total loans | $360,674,800 | 1,381 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 1,445 |
| Cost of funding earning assets | 0.7219% | 3,107 |
| Net interest margin | 4.3177% | 1,127 |
| Noninterest income to average assets | 1.4678% | 422 |
| Noninterest expense to average assets | 3.4200% | 1,051 |
| Loan and lease loss provision to assets | 0.1222% | 1,600 |
| Net operating income to assets | 1.4097% | 1,437 |
| Return on assets (ROA) | 1.4125% | 1,491 |
| Pretax return on assets | 1.7733% | 1,153 |
| Return on Equity (ROE) | 12.4289% | 1,472 |
| Retained earnings to average equity (ytd only) | 9.3741% | 936 |
| Net charge-offs to loans | 0.0700% | 1,825 |
| Credit loss provision to net charge-offs | 276.4398% | 1,005 |
| Earnings coverage of net charge-offs (x) | 42.8011% | 1,309 |
| Efficiency ratio | 64.3822% | 2,952 |
| Assets per employee ($millions) | 3.0448% | 4,865 |
| Cash dividends to net income (ytd only)* | 24.5781% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,452 |
| Loan loss allowance to noncurrent loans | 107.9031% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 1,622 |
| Noncurrent loans to loans | 0.9468% | 1,700 |
| Net loans and leases to total assets | 63.3167% | 3,355 |
| Net loans and leases to deposits | 73.1697% | 3,544 |
| Net loans and leases to core deposits | 75.3386% | 3,736 |
| Total domestic deposits to total assets | 86.5340% | 1,752 |
| Equity capital to assets | 12.0270% | 2,237 |
| Core capital (leverage) ratio | 11.1989% | 2,471 |
| Tier 1 risk-based capital ratio | 16.7061% | 2,182 |
| Total risk-based capital ratio | 17.6811% | 2,226 |
| Memoranda: | ||
| Average total assets | $576,083,750 | 1,265 |
| Average earning assets | $512,916,000 | 1,308 |
| Average equity | $65,469,250 | 1,291 |
| Average total loans | $363,696,000 | 1,383 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 1,600 |
| Cost of funding earning assets | 0.7179% | 3,064 |
| Net interest margin | 4.2374% | 1,274 |
| Noninterest income to average assets | 1.5888% | 366 |
| Noninterest expense to average assets | 3.3826% | 1,136 |
| Loan and lease loss provision to assets | 0.1219% | 1,534 |
| Net operating income to assets | 1.4888% | 1,175 |
| Return on assets (ROA) | 1.4938% | 1,213 |
| Pretax return on assets | 1.8714% | 886 |
| Return on Equity (ROE) | 13.4029% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.7405% | 1,114 |
| Net charge-offs to loans | 0.0468% | 1,979 |
| Credit loss provision to net charge-offs | 414.1176% | 693 |
| Earnings coverage of net charge-offs (x) | 67.4824% | 923 |
| Efficiency ratio | 62.9935% | 3,288 |
| Assets per employee ($millions) | 3.0511% | 4,878 |
| Cash dividends to net income (ytd only)* | 34.7866% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,650 |
| Loan loss allowance to noncurrent loans | 164.9146% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 2,179 |
| Noncurrent loans to loans | 0.6043% | 2,452 |
| Net loans and leases to total assets | 62.2555% | 3,511 |
| Net loans and leases to deposits | 71.3335% | 3,734 |
| Net loans and leases to core deposits | 73.1738% | 3,935 |
| Total domestic deposits to total assets | 87.2739% | 1,454 |
| Equity capital to assets | 11.3898% | 2,710 |
| Core capital (leverage) ratio | 10.6856% | 2,903 |
| Tier 1 risk-based capital ratio | 16.0598% | 2,387 |
| Total risk-based capital ratio | 17.0060% | 2,457 |
| Memoranda: | ||
| Average total assets | $577,307,330 | 1,264 |
| Average earning assets | $515,123,000 | 1,305 |
| Average equity | $64,344,330 | 1,300 |
| Average total loans | $362,870,000 | 1,391 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 1,758 |
| Cost of funding earning assets | 0.6924% | 3,095 |
| Net interest margin | 4.1601% | 1,403 |
| Noninterest income to average assets | 1.7876% | 287 |
| Noninterest expense to average assets | 3.3595% | 1,173 |
| Loan and lease loss provision to assets | 0.1927% | 841 |
| Net operating income to assets | 1.5797% | 936 |
| Return on assets (ROA) | 1.5740% | 974 |
| Pretax return on assets | 1.9356% | 731 |
| Return on Equity (ROE) | 14.2823% | 905 |
| Retained earnings to average equity (ytd only) | 4.7819% | 3,007 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1408% | 3,657 |
| Assets per employee ($millions) | 3.2225% | 4,814 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,594 |
| Loan loss allowance to noncurrent loans | 213.9535% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,423 |
| Noncurrent loans to loans | 0.4754% | 2,891 |
| Net loans and leases to total assets | 59.7458% | 3,735 |
| Net loans and leases to deposits | 67.8150% | 3,944 |
| Net loans and leases to core deposits | 69.4418% | 4,107 |
| Total domestic deposits to total assets | 88.1011% | 1,282 |
| Equity capital to assets | 10.6650% | 3,192 |
| Core capital (leverage) ratio | 10.5946% | 2,949 |
| Tier 1 risk-based capital ratio | 15.6286% | 2,596 |
| Total risk-based capital ratio | 16.5831% | 2,648 |
| Memoranda: | ||
| Average total assets | $573,054,500 | 1,277 |
| Average earning assets | $510,664,000 | 1,314 |
| Average equity | $63,155,000 | 1,314 |
| Average total loans | $360,119,000 | 1,403 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 1,430 |
| Cost of funding earning assets | 0.5113% | 3,281 |
| Net interest margin | 4.3363% | 1,078 |
| Noninterest income to average assets | 1.4298% | 442 |
| Noninterest expense to average assets | 3.4438% | 1,083 |
| Loan and lease loss provision to assets | 0.1964% | 965 |
| Net operating income to assets | 1.3350% | 1,670 |
| Return on assets (ROA) | 1.3206% | 1,708 |
| Pretax return on assets | 1.6229% | 1,400 |
| Return on Equity (ROE) | 11.7124% | 1,814 |
| Retained earnings to average equity (ytd only) | 1.4550% | 4,551 |
| Net charge-offs to loans | 0.1439% | 1,323 |
| Credit loss provision to net charge-offs | 212.7168% | 1,360 |
| Earnings coverage of net charge-offs (x) | 19.8940% | 2,033 |
| Efficiency ratio | 65.2123% | 2,998 |
| Assets per employee ($millions) | 2.8927% | 5,046 |
| Cash dividends to net income (ytd only)* | 87.5775% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,964 |
| Loan loss allowance to noncurrent loans | 221.6146% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,176 |
| Noncurrent loans to loans | 0.4285% | 3,004 |
| Net loans and leases to total assets | 64.9408% | 3,261 |
| Net loans and leases to deposits | 74.2702% | 3,480 |
| Net loans and leases to core deposits | 76.2659% | 3,696 |
| Total domestic deposits to total assets | 87.4386% | 1,566 |
| Equity capital to assets | 11.4109% | 2,320 |
| Core capital (leverage) ratio | 10.8606% | 2,668 |
| Tier 1 risk-based capital ratio | 15.8889% | 2,449 |
| Total risk-based capital ratio | 16.7979% | 2,521 |
| Memoranda: | ||
| Average total assets | $562,027,000 | 1,264 |
| Average earning assets | $499,140,200 | 1,315 |
| Average equity | $63,368,600 | 1,262 |
| Average total loans | $360,586,200 | 1,366 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,535 |
| Cost of funding earning assets | 0.4833% | 3,307 |
| Net interest margin | 4.2706% | 1,184 |
| Noninterest income to average assets | 1.5064% | 422 |
| Noninterest expense to average assets | 3.3553% | 1,188 |
| Loan and lease loss provision to assets | 0.1951% | 901 |
| Net operating income to assets | 1.3928% | 1,513 |
| Return on assets (ROA) | 1.3864% | 1,538 |
| Pretax return on assets | 1.7392% | 1,180 |
| Return on Equity (ROE) | 12.3323% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.2364% | 843 |
| Net charge-offs to loans | 0.1218% | 1,292 |
| Credit loss provision to net charge-offs | 250.9091% | 1,174 |
| Earnings coverage of net charge-offs (x) | 24.9787% | 1,792 |
| Efficiency ratio | 63.3367% | 3,285 |
| Assets per employee ($millions) | 3.0566% | 5,001 |
| Cash dividends to net income (ytd only)* | 16.9952% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,343 |
| Loan loss allowance to noncurrent loans | 253.7873% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,420 |
| Noncurrent loans to loans | 0.3464% | 3,413 |
| Net loans and leases to total assets | 66.8591% | 3,084 |
| Net loans and leases to deposits | 79.5790% | 3,080 |
| Net loans and leases to core deposits | 81.7494% | 3,344 |
| Total domestic deposits to total assets | 84.0160% | 2,937 |
| Equity capital to assets | 11.7617% | 2,063 |
| Core capital (leverage) ratio | 11.3828% | 2,262 |
| Tier 1 risk-based capital ratio | 16.1790% | 2,384 |
| Total risk-based capital ratio | 17.0246% | 2,473 |
| Memoranda: | ||
| Average total assets | $565,854,750 | 1,257 |
| Average earning assets | $502,336,750 | 1,305 |
| Average equity | $63,614,500 | 1,256 |
| Average total loans | $361,121,250 | 1,363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 1,660 |
| Cost of funding earning assets | 0.4416% | 3,414 |
| Net interest margin | 4.2021% | 1,288 |
| Noninterest income to average assets | 1.6433% | 370 |
| Noninterest expense to average assets | 3.3707% | 1,179 |
| Loan and lease loss provision to assets | 0.1944% | 887 |
| Net operating income to assets | 1.5106% | 1,133 |
| Return on assets (ROA) | 1.5109% | 1,131 |
| Pretax return on assets | 1.8042% | 951 |
| Return on Equity (ROE) | 13.6463% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.4661% | 802 |
| Net charge-offs to loans | 0.1046% | 1,312 |
| Credit loss provision to net charge-offs | 296.7742% | 1,008 |
| Earnings coverage of net charge-offs (x) | 30.5108% | 1,489 |
| Efficiency ratio | 62.7820% | 3,523 |
| Assets per employee ($millions) | 2.9891% | 5,104 |
| Cash dividends to net income (ytd only)* | 23.3046% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,431 |
| Loan loss allowance to noncurrent loans | 222.5716% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 2,049 |
| Noncurrent loans to loans | 0.3946% | 3,277 |
| Net loans and leases to total assets | 63.6216% | 3,440 |
| Net loans and leases to deposits | 74.4094% | 3,494 |
| Net loans and leases to core deposits | 76.3102% | 3,722 |
| Total domestic deposits to total assets | 85.5021% | 2,495 |
| Equity capital to assets | 11.4203% | 2,252 |
| Core capital (leverage) ratio | 10.8752% | 2,635 |
| Tier 1 risk-based capital ratio | 16.0506% | 2,417 |
| Total risk-based capital ratio | 16.8768% | 2,528 |
| Memoranda: | ||
| Average total assets | $568,017,670 | 1,260 |
| Average earning assets | $503,603,670 | 1,309 |
| Average equity | $62,889,000 | 1,273 |
| Average total loans | $355,727,000 | 1,376 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,995 |
| Cost of funding earning assets | 0.4154% | 3,478 |
| Net interest margin | 4.0434% | 1,582 |
| Noninterest income to average assets | 1.1560% | 690 |
| Noninterest expense to average assets | 3.4090% | 1,152 |
| Loan and lease loss provision to assets | 0.0190% | 3,288 |
| Net operating income to assets | 1.1247% | 2,313 |
| Return on assets (ROA) | 1.1265% | 2,322 |
| Pretax return on assets | 1.3056% | 2,343 |
| Return on Equity (ROE) | 10.3360% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,638 |
| Net charge-offs to loans | 0.1828% | 800 |
| Credit loss provision to net charge-offs | 16.7702% | 2,143 |
| Earnings coverage of net charge-offs (x) | 11.6957% | 1,832 |
| Efficiency ratio | 72.0499% | 2,188 |
| Assets per employee ($millions) | 3.0579% | 5,116 |
| Cash dividends to net income (ytd only)* | 62.3441% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 4,912 |
| Loan loss allowance to noncurrent loans | 136.9898% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 1,985 |
| Noncurrent loans to loans | 0.5488% | 2,881 |
| Net loans and leases to total assets | 61.0087% | 3,648 |
| Net loans and leases to deposits | 70.7979% | 3,721 |
| Net loans and leases to core deposits | 72.2369% | 3,934 |
| Total domestic deposits to total assets | 86.1731% | 2,465 |
| Equity capital to assets | 10.6686% | 2,899 |
| Core capital (leverage) ratio | 10.5997% | 2,851 |
| Tier 1 risk-based capital ratio | 15.3697% | 2,708 |
| Total risk-based capital ratio | 16.0670% | 2,899 |
| Memoranda: | ||
| Average total assets | $569,555,500 | 1,269 |
| Average earning assets | $503,635,000 | 1,319 |
| Average equity | $62,074,500 | 1,292 |
| Average total loans | $352,285,500 | 1,389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,050 |
| Cost of funding earning assets | 0.2894% | 4,227 |
| Net interest margin | 4.1031% | 1,419 |
| Noninterest income to average assets | 1.2216% | 702 |
| Noninterest expense to average assets | 3.3436% | 1,301 |
| Loan and lease loss provision to assets | 0.0459% | 3,323 |
| Net operating income to assets | 1.0743% | 1,962 |
| Return on assets (ROA) | 1.0996% | 1,878 |
| Pretax return on assets | 1.4804% | 1,719 |
| Return on Equity (ROE) | 9.6430% | 2,038 |
| Retained earnings to average equity (ytd only) | 0.9727% | 4,633 |
| Net charge-offs to loans | 0.1448% | 1,630 |
| Credit loss provision to net charge-offs | 53.8136% | 3,287 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 2,122 |
| Efficiency ratio | 69.1434% | 2,670 |
| Assets per employee ($millions) | 2.9530% | 5,229 |
| Cash dividends to net income (ytd only)* | 89.9129% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,791 |
| Loan loss allowance to noncurrent loans | 108.5065% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 1,715 |
| Noncurrent loans to loans | 0.7478% | 2,335 |
| Net loans and leases to total assets | 61.7452% | 3,652 |
| Net loans and leases to deposits | 74.4653% | 3,479 |
| Net loans and leases to core deposits | 75.8952% | 3,753 |
| Total domestic deposits to total assets | 82.9180% | 3,589 |
| Equity capital to assets | 11.1384% | 2,497 |
| Core capital (leverage) ratio | 10.8443% | 2,477 |
| Tier 1 risk-based capital ratio | 15.7326% | 2,544 |
| Total risk-based capital ratio | 16.4894% | 2,660 |
| Memoranda: | ||
| Average total assets | $553,558,400 | 1,275 |
| Average earning assets | $487,606,800 | 1,339 |
| Average equity | $63,123,800 | 1,255 |
| Average total loans | $325,997,000 | 1,459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,084 |
| Cost of funding earning assets | 0.2865% | 4,258 |
| Net interest margin | 4.0715% | 1,474 |
| Noninterest income to average assets | 1.2198% | 703 |
| Noninterest expense to average assets | 3.2711% | 1,406 |
| Loan and lease loss provision to assets | 0.1154% | 1,875 |
| Net operating income to assets | 1.0273% | 2,428 |
| Return on assets (ROA) | 1.0591% | 2,325 |
| Pretax return on assets | 1.4658% | 1,893 |
| Return on Equity (ROE) | 9.2333% | 2,479 |
| Retained earnings to average equity (ytd only) | 7.1859% | 1,593 |
| Net charge-offs to loans | 0.1173% | 1,618 |
| Credit loss provision to net charge-offs | 169.5035% | 1,536 |
| Earnings coverage of net charge-offs (x) | 22.5816% | 1,854 |
| Efficiency ratio | 68.0337% | 2,870 |
| Assets per employee ($millions) | 2.8715% | 5,341 |
| Cash dividends to net income (ytd only)* | 22.1741% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 4,287 |
| Loan loss allowance to noncurrent loans | 107.9466% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 1,555 |
| Noncurrent loans to loans | 0.8874% | 2,157 |
| Net loans and leases to total assets | 61.5938% | 3,704 |
| Net loans and leases to deposits | 72.7638% | 3,693 |
| Net loans and leases to core deposits | 74.2119% | 3,958 |
| Total domestic deposits to total assets | 84.6489% | 2,862 |
| Equity capital to assets | 12.0820% | 1,914 |
| Core capital (leverage) ratio | 11.2837% | 2,196 |
| Tier 1 risk-based capital ratio | 16.9472% | 2,170 |
| Total risk-based capital ratio | 17.8395% | 2,244 |
| Memoranda: | ||
| Average total assets | $552,419,250 | 1,290 |
| Average earning assets | $486,854,750 | 1,351 |
| Average equity | $63,363,500 | 1,258 |
| Average total loans | $320,639,250 | 1,487 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,296 |
| Cost of funding earning assets | 0.2738% | 4,343 |
| Net interest margin | 3.9746% | 1,697 |
| Noninterest income to average assets | 1.1230% | 794 |
| Noninterest expense to average assets | 3.2463% | 1,485 |
| Loan and lease loss provision to assets | 0.0727% | 2,517 |
| Net operating income to assets | 0.9561% | 2,627 |
| Return on assets (ROA) | 0.9697% | 2,616 |
| Pretax return on assets | 1.3174% | 2,321 |
| Return on Equity (ROE) | 8.6032% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.4960% | 2,411 |
| Net charge-offs to loans | 0.1016% | 1,608 |
| Credit loss provision to net charge-offs | 126.2500% | 1,718 |
| Earnings coverage of net charge-offs (x) | 23.8188% | 1,662 |
| Efficiency ratio | 70.2962% | 2,625 |
| Assets per employee ($millions) | 2.8838% | 5,368 |
| Cash dividends to net income (ytd only)* | 36.1173% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,503 |
| Loan loss allowance to noncurrent loans | 116.5846% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 1,682 |
| Noncurrent loans to loans | 0.7993% | 2,409 |
| Net loans and leases to total assets | 58.8149% | 3,940 |
| Net loans and leases to deposits | 68.2128% | 4,049 |
| Net loans and leases to core deposits | 69.4756% | 4,260 |
| Total domestic deposits to total assets | 86.2227% | 2,285 |
| Equity capital to assets | 11.5278% | 2,300 |
| Core capital (leverage) ratio | 10.7410% | 2,661 |
| Tier 1 risk-based capital ratio | 16.6908% | 2,246 |
| Total risk-based capital ratio | 17.5514% | 2,335 |
| Memoranda: | ||
| Average total assets | $555,653,330 | 1,293 |
| Average earning assets | $488,598,330 | 1,348 |
| Average equity | $62,627,670 | 1,270 |
| Average total loans | $315,014,670 | 1,508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 2,736 |
| Cost of funding earning assets | 0.2605% | 4,449 |
| Net interest margin | 3.8177% | 2,058 |
| Noninterest income to average assets | 1.1441% | 771 |
| Noninterest expense to average assets | 3.2472% | 1,484 |
| Loan and lease loss provision to assets | 0.1607% | 1,120 |
| Net operating income to assets | 0.8189% | 3,131 |
| Return on assets (ROA) | 0.8249% | 3,156 |
| Pretax return on assets | 1.0908% | 3,023 |
| Return on Equity (ROE) | 7.4037% | 3,210 |
| Retained earnings to average equity (ytd only) | 1.1122% | 4,616 |
| Net charge-offs to loans | 0.0781% | 1,554 |
| Credit loss provision to net charge-offs | 371.6667% | 687 |
| Earnings coverage of net charge-offs (x) | 28.7667% | 1,246 |
| Efficiency ratio | 72.3087% | 2,519 |
| Assets per employee ($millions) | 3.1305% | 5,244 |
| Cash dividends to net income (ytd only)* | 84.9782% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,227 |
| Loan loss allowance to noncurrent loans | 158.8089% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 1,998 |
| Noncurrent loans to loans | 0.6351% | 2,925 |
| Net loans and leases to total assets | 54.5252% | 4,299 |
| Net loans and leases to deposits | 62.6817% | 4,391 |
| Net loans and leases to core deposits | 64.1057% | 4,527 |
| Total domestic deposits to total assets | 86.9874% | 2,218 |
| Equity capital to assets | 10.7955% | 2,860 |
| Core capital (leverage) ratio | 10.7425% | 2,646 |
| Tier 1 risk-based capital ratio | 15.3510% | 2,815 |
| Total risk-based capital ratio | 16.1955% | 2,920 |
| Memoranda: | ||
| Average total assets | $555,192,500 | 1,292 |
| Average earning assets | $486,680,500 | 1,353 |
| Average equity | $61,861,000 | 1,280 |
| Average total loans | $307,308,000 | 1,545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,624 |
| Cost of funding earning assets | 0.2529% | 4,540 |
| Net interest margin | 3.9078% | 1,940 |
| Noninterest income to average assets | 1.2253% | 759 |
| Noninterest expense to average assets | 3.2963% | 1,585 |
| Loan and lease loss provision to assets | 0.0324% | 3,704 |
| Net operating income to assets | 0.9618% | 2,530 |
| Return on assets (ROA) | 0.9728% | 2,582 |
| Pretax return on assets | 1.3423% | 2,131 |
| Return on Equity (ROE) | 8.1962% | 2,835 |
| Retained earnings to average equity (ytd only) | 0.2997% | 5,198 |
| Net charge-offs to loans | -0.1173% | 5,630 |
| Credit loss provision to net charge-offs | -50.2890% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8012% | 2,780 |
| Assets per employee ($millions) | 2.8729% | 5,441 |
| Cash dividends to net income (ytd only)* | 96.3438% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 4,183 |
| Loan loss allowance to noncurrent loans | 159.4226% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,907 |
| Noncurrent loans to loans | 0.6407% | 2,931 |
| Net loans and leases to total assets | 55.0753% | 4,341 |
| Net loans and leases to deposits | 63.9338% | 4,418 |
| Net loans and leases to core deposits | 65.6732% | 4,542 |
| Total domestic deposits to total assets | 86.1442% | 2,514 |
| Equity capital to assets | 11.5161% | 2,153 |
| Core capital (leverage) ratio | 10.8314% | 2,503 |
| Tier 1 risk-based capital ratio | 16.8617% | 2,206 |
| Total risk-based capital ratio | 17.7443% | 2,290 |
| Memoranda: | ||
| Average total assets | $536,997,200 | 1,289 |
| Average earning assets | $471,392,200 | 1,344 |
| Average equity | $63,736,600 | 1,234 |
| Average total loans | $294,902,000 | 1,542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,724 |
| Cost of funding earning assets | 0.2542% | 4,565 |
| Net interest margin | 3.8843% | 2,035 |
| Noninterest income to average assets | 1.2263% | 769 |
| Noninterest expense to average assets | 3.2526% | 1,671 |
| Loan and lease loss provision to assets | 0.0243% | 3,761 |
| Net operating income to assets | 0.9686% | 2,576 |
| Return on assets (ROA) | 0.9813% | 2,649 |
| Pretax return on assets | 1.3810% | 2,121 |
| Return on Equity (ROE) | 8.2068% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.5850% | 1,854 |
| Net charge-offs to loans | -0.1667% | 5,716 |
| Credit loss provision to net charge-offs | -26.6304% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0978% | 2,870 |
| Assets per employee ($millions) | 2.8715% | 5,492 |
| Cash dividends to net income (ytd only)* | 19.7624% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,515 |
| Loan loss allowance to noncurrent loans | 130.0349% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 1,928 |
| Noncurrent loans to loans | 0.7533% | 2,786 |
| Net loans and leases to total assets | 56.4567% | 4,261 |
| Net loans and leases to deposits | 66.3922% | 4,307 |
| Net loans and leases to core deposits | 68.1837% | 4,457 |
| Total domestic deposits to total assets | 85.0351% | 2,790 |
| Equity capital to assets | 12.3826% | 1,850 |
| Core capital (leverage) ratio | 11.5481% | 1,990 |
| Tier 1 risk-based capital ratio | 17.6544% | 2,024 |
| Total risk-based capital ratio | 18.5176% | 2,103 |
| Memoranda: | ||
| Average total assets | $537,654,750 | 1,293 |
| Average earning assets | $472,517,750 | 1,341 |
| Average equity | $64,286,250 | 1,228 |
| Average total loans | $294,292,250 | 1,546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 2,581 |
| Cost of funding earning assets | 0.2555% | 4,599 |
| Net interest margin | 3.9206% | 1,912 |
| Noninterest income to average assets | 1.2189% | 757 |
| Noninterest expense to average assets | 3.2292% | 1,745 |
| Loan and lease loss provision to assets | 0.0638% | 2,871 |
| Net operating income to assets | 0.9727% | 2,511 |
| Return on assets (ROA) | 0.9895% | 2,577 |
| Pretax return on assets | 1.3956% | 2,046 |
| Return on Equity (ROE) | 8.3744% | 2,808 |
| Retained earnings to average equity (ytd only) | 5.9180% | 2,167 |
| Net charge-offs to loans | -0.1643% | 5,769 |
| Credit loss provision to net charge-offs | -71.9665% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2234% | 3,112 |
| Assets per employee ($millions) | 2.8557% | 5,573 |
| Cash dividends to net income (ytd only)* | 29.3323% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,587 |
| Loan loss allowance to noncurrent loans | 183.9196% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 2,206 |
| Noncurrent loans to loans | 0.5364% | 3,470 |
| Net loans and leases to total assets | 54.7379% | 4,437 |
| Net loans and leases to deposits | 64.2674% | 4,474 |
| Net loans and leases to core deposits | 66.0266% | 4,610 |
| Total domestic deposits to total assets | 85.1721% | 2,792 |
| Equity capital to assets | 12.0965% | 2,057 |
| Core capital (leverage) ratio | 10.8901% | 2,542 |
| Tier 1 risk-based capital ratio | 17.1724% | 2,163 |
| Total risk-based capital ratio | 18.0145% | 2,273 |
| Memoranda: | ||
| Average total assets | $538,841,000 | 1,289 |
| Average earning assets | $473,603,330 | 1,343 |
| Average equity | $63,670,000 | 1,239 |
| Average total loans | $290,884,330 | 1,567 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,076 |
| Cost of funding earning assets | 0.2535% | 4,665 |
| Net interest margin | 3.7847% | 2,347 |
| Noninterest income to average assets | 1.4086% | 562 |
| Noninterest expense to average assets | 3.1840% | 1,876 |
| Loan and lease loss provision to assets | 0.2045% | 959 |
| Net operating income to assets | 0.9423% | 2,549 |
| Return on assets (ROA) | 0.9470% | 2,639 |
| Pretax return on assets | 1.3567% | 2,063 |
| Return on Equity (ROE) | 8.1099% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.1475% | 3,945 |
| Net charge-offs to loans | 0.0528% | 2,001 |
| Credit loss provision to net charge-offs | 726.3158% | 473 |
| Earnings coverage of net charge-offs (x) | 55.2105% | 820 |
| Efficiency ratio | 67.1931% | 3,599 |
| Assets per employee ($millions) | 3.1012% | 5,402 |
| Cash dividends to net income (ytd only)* | 61.1894% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,868 |
| Loan loss allowance to noncurrent loans | 138.6512% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 1,420 |
| Noncurrent loans to loans | 0.6830% | 3,136 |
| Net loans and leases to total assets | 51.3354% | 4,700 |
| Net loans and leases to deposits | 59.4666% | 4,756 |
| Net loans and leases to core deposits | 61.5881% | 4,834 |
| Total domestic deposits to total assets | 86.3265% | 2,528 |
| Equity capital to assets | 11.3080% | 2,615 |
| Core capital (leverage) ratio | 10.7692% | 2,652 |
| Tier 1 risk-based capital ratio | 16.0368% | 2,664 |
| Total risk-based capital ratio | 16.7943% | 2,826 |
| Memoranda: | ||
| Average total assets | $539,828,500 | 1,290 |
| Average earning assets | $474,969,500 | 1,336 |
| Average equity | $63,034,000 | 1,246 |
| Average total loans | $287,928,000 | 1,574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 2,919 |
| Cost of funding earning assets | 0.2729% | 4,554 |
| Net interest margin | 3.8275% | 2,276 |
| Noninterest income to average assets | 1.2921% | 724 |
| Noninterest expense to average assets | 3.3374% | 1,632 |
| Loan and lease loss provision to assets | 0.0740% | 2,791 |
| Net operating income to assets | 0.9020% | 2,857 |
| Return on assets (ROA) | 0.9073% | 2,911 |
| Pretax return on assets | 1.2270% | 2,560 |
| Return on Equity (ROE) | 7.3851% | 3,311 |
| Retained earnings to average equity (ytd only) | 1.2332% | 5,013 |
| Net charge-offs to loans | 0.1469% | 1,895 |
| Credit loss provision to net charge-offs | 94.3210% | 2,673 |
| Earnings coverage of net charge-offs (x) | 16.4889% | 2,124 |
| Efficiency ratio | 72.0633% | 2,900 |
| Assets per employee ($millions) | 2.8797% | 5,634 |
| Cash dividends to net income (ytd only)* | 83.3013% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 5,141 |
| Loan loss allowance to noncurrent loans | 154.7019% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 1,334 |
| Noncurrent loans to loans | 0.5710% | 3,463 |
| Net loans and leases to total assets | 54.4872% | 4,457 |
| Net loans and leases to deposits | 63.7803% | 4,483 |
| Net loans and leases to core deposits | 66.5737% | 4,544 |
| Total domestic deposits to total assets | 85.4296% | 2,889 |
| Equity capital to assets | 12.0759% | 1,903 |
| Core capital (leverage) ratio | 11.1581% | 2,258 |
| Tier 1 risk-based capital ratio | 17.9018% | 1,993 |
| Total risk-based capital ratio | 18.6806% | 2,102 |
| Memoranda: | ||
| Average total assets | $516,151,800 | 1,300 |
| Average earning assets | $450,296,400 | 1,376 |
| Average equity | $63,411,200 | 1,191 |
| Average total loans | $275,659,400 | 1,589 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,065 |
| Cost of funding earning assets | 0.2798% | 4,560 |
| Net interest margin | 3.7890% | 2,428 |
| Noninterest income to average assets | 1.2723% | 739 |
| Noninterest expense to average assets | 3.2957% | 1,700 |
| Loan and lease loss provision to assets | 0.0468% | 3,270 |
| Net operating income to assets | 0.9223% | 2,847 |
| Return on assets (ROA) | 0.9250% | 2,919 |
| Pretax return on assets | 1.2355% | 2,674 |
| Return on Equity (ROE) | 7.4970% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.4970% | 1,444 |
| Net charge-offs to loans | 0.1312% | 1,825 |
| Credit loss provision to net charge-offs | 67.2862% | 2,813 |
| Earnings coverage of net charge-offs (x) | 18.3828% | 2,001 |
| Efficiency ratio | 72.0464% | 2,872 |
| Assets per employee ($millions) | 2.8088% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 5,296 |
| Loan loss allowance to noncurrent loans | 121.2061% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 1,254 |
| Noncurrent loans to loans | 0.7188% | 3,176 |
| Net loans and leases to total assets | 55.1816% | 4,448 |
| Net loans and leases to deposits | 65.3818% | 4,436 |
| Net loans and leases to core deposits | 68.5179% | 4,498 |
| Total domestic deposits to total assets | 84.3991% | 3,259 |
| Equity capital to assets | 12.9567% | 1,468 |
| Core capital (leverage) ratio | 11.9003% | 1,743 |
| Tier 1 risk-based capital ratio | 19.5734% | 1,653 |
| Total risk-based capital ratio | 20.3647% | 1,708 |
| Memoranda: | ||
| Average total assets | $515,603,000 | 1,311 |
| Average earning assets | $449,354,500 | 1,384 |
| Average equity | $63,615,250 | 1,193 |
| Average total loans | $273,336,750 | 1,608 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,418 |
| Cost of funding earning assets | 0.2847% | 4,561 |
| Net interest margin | 3.6826% | 2,785 |
| Noninterest income to average assets | 1.1893% | 859 |
| Noninterest expense to average assets | 3.2239% | 1,910 |
| Loan and lease loss provision to assets | 0.1064% | 2,056 |
| Net operating income to assets | 0.8068% | 3,346 |
| Return on assets (ROA) | 0.8086% | 3,438 |
| Pretax return on assets | 1.0822% | 3,247 |
| Return on Equity (ROE) | 6.6619% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.6619% | 1,870 |
| Net charge-offs to loans | 0.1197% | 1,814 |
| Credit loss provision to net charge-offs | 170.3704% | 1,406 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,774 |
| Efficiency ratio | 73.1015% | 2,816 |
| Assets per employee ($millions) | 2.8578% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 5,085 |
| Loan loss allowance to noncurrent loans | 110.9068% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 1,318 |
| Noncurrent loans to loans | 0.8592% | 2,980 |
| Net loans and leases to total assets | 53.6298% | 4,594 |
| Net loans and leases to deposits | 63.4095% | 4,584 |
| Net loans and leases to core deposits | 66.2550% | 4,633 |
| Total domestic deposits to total assets | 84.5768% | 3,308 |
| Equity capital to assets | 12.3798% | 1,745 |
| Core capital (leverage) ratio | 11.3665% | 2,105 |
| Tier 1 risk-based capital ratio | 18.9595% | 1,799 |
| Total risk-based capital ratio | 19.8099% | 1,866 |
| Memoranda: | ||
| Average total assets | $518,942,330 | 1,315 |
| Average earning assets | $453,859,330 | 1,381 |
| Average equity | $62,984,670 | 1,212 |
| Average total loans | $270,635,000 | 1,625 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,756 |
| Cost of funding earning assets | 0.2888% | 4,563 |
| Net interest margin | 3.5783% | 3,088 |
| Noninterest income to average assets | 1.1757% | 828 |
| Noninterest expense to average assets | 3.2378% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8209% | 3,151 |
| Return on assets (ROA) | 0.8227% | 3,270 |
| Pretax return on assets | 1.0683% | 3,223 |
| Return on Equity (ROE) | 6.8459% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.8459% | 2,080 |
| Net charge-offs to loans | -0.0225% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2318% | 2,624 |
| Assets per employee ($millions) | 3.0202% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 5,229 |
| Loan loss allowance to noncurrent loans | 116.7200% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6958% | 1,481 |
| Noncurrent loans to loans | 0.8180% | 3,204 |
| Net loans and leases to total assets | 49.8609% | 4,867 |
| Net loans and leases to deposits | 58.5519% | 4,876 |
| Net loans and leases to core deposits | 61.0410% | 4,914 |
| Total domestic deposits to total assets | 85.1567% | 3,328 |
| Equity capital to assets | 11.9122% | 2,090 |
| Core capital (leverage) ratio | 11.1014% | 2,316 |
| Tier 1 risk-based capital ratio | 19.0356% | 1,856 |
| Total risk-based capital ratio | 19.8721% | 1,921 |
| Memoranda: | ||
| Average total assets | $521,213,000 | 1,317 |
| Average earning assets | $455,638,000 | 1,378 |
| Average equity | $62,636,000 | 1,219 |
| Average total loans | $266,689,500 | 1,646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,357 |
| Cost of funding earning assets | 0.3082% | 4,703 |
| Net interest margin | 3.7827% | 2,686 |
| Noninterest income to average assets | 1.3297% | 698 |
| Noninterest expense to average assets | 3.3575% | 1,786 |
| Loan and lease loss provision to assets | -0.1385% | 6,213 |
| Net operating income to assets | 1.0091% | 2,337 |
| Return on assets (ROA) | 1.0212% | 2,369 |
| Pretax return on assets | 1.3914% | 1,914 |
| Return on Equity (ROE) | 8.3032% | 2,964 |
| Retained earnings to average equity (ytd only) | 2.6416% | 4,361 |
| Net charge-offs to loans | -0.2233% | 6,280 |
| Credit loss provision to net charge-offs | 122.3199% | 1,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0859% | 3,013 |
| Assets per employee ($millions) | 2.9027% | 5,827 |
| Cash dividends to net income (ytd only)* | 68.1862% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,271 |
| Loan loss allowance to noncurrent loans | 104.4838% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 1,378 |
| Noncurrent loans to loans | 0.9146% | 3,030 |
| Net loans and leases to total assets | 51.5288% | 4,829 |
| Net loans and leases to deposits | 60.7355% | 4,837 |
| Net loans and leases to core deposits | 63.2015% | 4,901 |
| Total domestic deposits to total assets | 84.8414% | 3,352 |
| Equity capital to assets | 12.1267% | 1,930 |
| Core capital (leverage) ratio | 11.2606% | 2,173 |
| Tier 1 risk-based capital ratio | 19.0967% | 1,816 |
| Total risk-based capital ratio | 19.9479% | 1,899 |
| Memoranda: | ||
| Average total assets | $502,661,000 | 1,329 |
| Average earning assets | $433,759,200 | 1,416 |
| Average equity | $61,819,600 | 1,184 |
| Average total loans | $254,799,000 | 1,661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,446 |
| Cost of funding earning assets | 0.3125% | 4,756 |
| Net interest margin | 3.7701% | 2,737 |
| Noninterest income to average assets | 1.2419% | 787 |
| Noninterest expense to average assets | 3.3124% | 1,875 |
| Loan and lease loss provision to assets | -0.0458% | 6,177 |
| Net operating income to assets | 0.9351% | 2,754 |
| Return on assets (ROA) | 0.9492% | 2,779 |
| Pretax return on assets | 1.2425% | 2,601 |
| Return on Equity (ROE) | 7.6908% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.6908% | 1,497 |
| Net charge-offs to loans | -0.3110% | 6,397 |
| Credit loss provision to net charge-offs | 29.2517% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7663% | 2,858 |
| Assets per employee ($millions) | 2.8101% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 4,492 |
| Loan loss allowance to noncurrent loans | 161.8373% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 1,505 |
| Noncurrent loans to loans | 0.7116% | 3,830 |
| Net loans and leases to total assets | 53.8085% | 4,600 |
| Net loans and leases to deposits | 64.5394% | 4,479 |
| Net loans and leases to core deposits | 66.8298% | 4,624 |
| Total domestic deposits to total assets | 83.3731% | 4,006 |
| Equity capital to assets | 12.9794% | 1,434 |
| Core capital (leverage) ratio | 11.9424% | 1,730 |
| Tier 1 risk-based capital ratio | 19.7358% | 1,729 |
| Total risk-based capital ratio | 20.7684% | 1,742 |
| Memoranda: | ||
| Average total assets | $500,606,500 | 1,342 |
| Average earning assets | $431,349,250 | 1,434 |
| Average equity | $61,786,250 | 1,189 |
| Average total loans | $252,051,250 | 1,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 3,696 |
| Cost of funding earning assets | 0.3177% | 4,787 |
| Net interest margin | 3.6923% | 2,994 |
| Noninterest income to average assets | 1.2289% | 776 |
| Noninterest expense to average assets | 3.3041% | 1,912 |
| Loan and lease loss provision to assets | -0.1779% | 6,450 |
| Net operating income to assets | 0.9774% | 2,424 |
| Return on assets (ROA) | 0.9933% | 2,424 |
| Pretax return on assets | 1.2944% | 2,269 |
| Return on Equity (ROE) | 8.1859% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,253 |
| Net charge-offs to loans | -0.6652% | 6,540 |
| Credit loss provision to net charge-offs | 54.5676% | 2,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0948% | 2,793 |
| Assets per employee ($millions) | 2.8843% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,401 |
| Loan loss allowance to noncurrent loans | 146.0836% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 2.1470% | 1,432 |
| Noncurrent loans to loans | 0.8247% | 3,642 |
| Net loans and leases to total assets | 49.9608% | 4,967 |
| Net loans and leases to deposits | 59.1691% | 4,933 |
| Net loans and leases to core deposits | 61.2362% | 5,031 |
| Total domestic deposits to total assets | 84.4374% | 3,756 |
| Equity capital to assets | 12.5703% | 1,604 |
| Core capital (leverage) ratio | 11.3944% | 2,087 |
| Tier 1 risk-based capital ratio | 20.0430% | 1,673 |
| Total risk-based capital ratio | 21.0961% | 1,689 |
| Memoranda: | ||
| Average total assets | $503,552,000 | 1,334 |
| Average earning assets | $432,462,330 | 1,429 |
| Average equity | $61,105,330 | 1,195 |
| Average total loans | $246,836,000 | 1,715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,934 |
| Cost of funding earning assets | 0.3250% | 4,793 |
| Net interest margin | 3.6138% | 3,195 |
| Noninterest income to average assets | 1.2020% | 765 |
| Noninterest expense to average assets | 3.3283% | 1,883 |
| Loan and lease loss provision to assets | -0.5725% | 6,673 |
| Net operating income to assets | 1.1173% | 1,742 |
| Return on assets (ROA) | 1.1387% | 1,738 |
| Pretax return on assets | 1.5618% | 1,258 |
| Return on Equity (ROE) | 9.5528% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.5528% | 1,093 |
| Net charge-offs to loans | -1.3913% | 6,647 |
| Credit loss provision to net charge-offs | 85.2768% | 1,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6139% | 2,533 |
| Assets per employee ($millions) | 3.0605% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,954 |
| Loan loss allowance to noncurrent loans | 128.4860% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 1,481 |
| Noncurrent loans to loans | 0.8840% | 3,670 |
| Net loans and leases to total assets | 46.4378% | 5,286 |
| Net loans and leases to deposits | 54.4162% | 5,244 |
| Net loans and leases to core deposits | 56.4593% | 5,324 |
| Total domestic deposits to total assets | 85.3382% | 3,703 |
| Equity capital to assets | 11.6875% | 2,112 |
| Core capital (leverage) ratio | 11.2842% | 2,157 |
| Tier 1 risk-based capital ratio | 19.3415% | 1,872 |
| Total risk-based capital ratio | 20.2923% | 1,921 |
| Memoranda: | ||
| Average total assets | $505,839,500 | 1,335 |
| Average earning assets | $432,009,000 | 1,435 |
| Average equity | $60,296,500 | 1,206 |
| Average total loans | $244,087,500 | 1,728 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 4,242 |
| Cost of funding earning assets | 0.3729% | 4,915 |
| Net interest margin | 3.5864% | 3,519 |
| Noninterest income to average assets | 1.3060% | 813 |
| Noninterest expense to average assets | 3.4893% | 1,676 |
| Loan and lease loss provision to assets | 0.0202% | 4,731 |
| Net operating income to assets | 0.7012% | 3,789 |
| Return on assets (ROA) | 0.6998% | 3,883 |
| Pretax return on assets | 0.8579% | 3,925 |
| Return on Equity (ROE) | 5.8989% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.5530% | 4,434 |
| Net charge-offs to loans | 0.1504% | 3,300 |
| Credit loss provision to net charge-offs | 28.4916% | 4,282 |
| Earnings coverage of net charge-offs (x) | 12.3855% | 2,128 |
| Efficiency ratio | 79.8601% | 2,168 |
| Assets per employee ($millions) | 2.8065% | 6,098 |
| Cash dividends to net income (ytd only)* | 56.7215% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,145 |
| Loan loss allowance to noncurrent loans | 129.4660% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 1,340 |
| Noncurrent loans to loans | 0.8500% | 3,851 |
| Net loans and leases to total assets | 49.0825% | 5,184 |
| Net loans and leases to deposits | 57.9226% | 5,132 |
| Net loans and leases to core deposits | 60.1366% | 5,213 |
| Total domestic deposits to total assets | 84.7381% | 3,877 |
| Equity capital to assets | 12.1693% | 1,699 |
| Core capital (leverage) ratio | 11.2605% | 2,152 |
| Tier 1 risk-based capital ratio | 19.2515% | 1,847 |
| Total risk-based capital ratio | 20.1790% | 1,902 |
| Memoranda: | ||
| Average total assets | $503,885,800 | 1,324 |
| Average earning assets | $430,381,600 | 1,417 |
| Average equity | $59,773,800 | 1,204 |
| Average total loans | $237,958,400 | 1,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 4,563 |
| Cost of funding earning assets | 0.3799% | 4,999 |
| Net interest margin | 3.5035% | 3,867 |
| Noninterest income to average assets | 1.2851% | 893 |
| Noninterest expense to average assets | 3.4923% | 1,624 |
| Loan and lease loss provision to assets | 0.0625% | 3,792 |
| Net operating income to assets | 0.5216% | 4,710 |
| Return on assets (ROA) | 0.5186% | 4,878 |
| Pretax return on assets | 0.7189% | 4,620 |
| Return on Equity (ROE) | 4.3990% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.3990% | 3,543 |
| Net charge-offs to loans | 0.1959% | 2,666 |
| Credit loss provision to net charge-offs | 68.3908% | 3,097 |
| Earnings coverage of net charge-offs (x) | 8.5977% | 2,600 |
| Efficiency ratio | 81.6352% | 1,875 |
| Assets per employee ($millions) | 2.7926% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,190 |
| Loan loss allowance to noncurrent loans | 120.0085% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 2.6392% | 1,431 |
| Noncurrent loans to loans | 0.9441% | 3,930 |
| Net loans and leases to total assets | 50.2298% | 5,114 |
| Net loans and leases to deposits | 59.5292% | 5,029 |
| Net loans and leases to core deposits | 62.0070% | 5,113 |
| Total domestic deposits to total assets | 84.3784% | 4,039 |
| Equity capital to assets | 12.2566% | 1,742 |
| Core capital (leverage) ratio | 11.4821% | 2,056 |
| Tier 1 risk-based capital ratio | 19.0683% | 1,972 |
| Total risk-based capital ratio | 20.0295% | 2,019 |
| Memoranda: | ||
| Average total assets | $507,775,500 | 1,318 |
| Average earning assets | $433,766,750 | 1,408 |
| Average equity | $59,860,750 | 1,211 |
| Average total loans | $236,860,500 | 1,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 5,001 |
| Cost of funding earning assets | 0.3853% | 5,079 |
| Net interest margin | 3.3606% | 4,343 |
| Noninterest income to average assets | 1.2526% | 992 |
| Noninterest expense to average assets | 3.4567% | 1,704 |
| Loan and lease loss provision to assets | 0.0630% | 3,751 |
| Net operating income to assets | 0.4662% | 4,947 |
| Return on assets (ROA) | 0.4614% | 5,135 |
| Pretax return on assets | 0.5940% | 5,035 |
| Return on Equity (ROE) | 3.9634% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,770 |
| Net charge-offs to loans | 0.1339% | 3,036 |
| Credit loss provision to net charge-offs | 103.8462% | 2,128 |
| Earnings coverage of net charge-offs (x) | 10.9295% | 2,104 |
| Efficiency ratio | 83.9014% | 1,642 |
| Assets per employee ($millions) | 2.8398% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,903 |
| Loan loss allowance to noncurrent loans | 116.7863% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.7612% | 1,501 |
| Noncurrent loans to loans | 1.0403% | 3,856 |
| Net loans and leases to total assets | 47.9244% | 5,338 |
| Net loans and leases to deposits | 56.6954% | 5,278 |
| Net loans and leases to core deposits | 59.1691% | 5,331 |
| Total domestic deposits to total assets | 84.5295% | 4,114 |
| Equity capital to assets | 11.9263% | 1,962 |
| Core capital (leverage) ratio | 10.8770% | 2,474 |
| Tier 1 risk-based capital ratio | 18.9910% | 1,993 |
| Total risk-based capital ratio | 20.0020% | 2,028 |
| Memoranda: | ||
| Average total assets | $514,131,330 | 1,301 |
| Average earning assets | $438,667,670 | 1,391 |
| Average equity | $59,848,000 | 1,218 |
| Average total loans | $233,050,670 | 1,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 5,385 |
| Cost of funding earning assets | 0.3909% | 5,195 |
| Net interest margin | 3.2309% | 4,800 |
| Noninterest income to average assets | 1.2772% | 934 |
| Noninterest expense to average assets | 3.4742% | 1,677 |
| Loan and lease loss provision to assets | 0.0031% | 4,383 |
| Net operating income to assets | 0.3956% | 5,145 |
| Return on assets (ROA) | 0.3956% | 5,289 |
| Pretax return on assets | 0.5387% | 5,151 |
| Return on Equity (ROE) | 3.4388% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.4388% | 4,189 |
| Net charge-offs to loans | 0.1572% | 2,461 |
| Credit loss provision to net charge-offs | 4.4444% | 3,198 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,010 |
| Efficiency ratio | 86.5091% | 1,456 |
| Assets per employee ($millions) | 2.9546% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,996 |
| Loan loss allowance to noncurrent loans | 108.9478% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 2.8339% | 1,590 |
| Noncurrent loans to loans | 1.1385% | 3,882 |
| Net loans and leases to total assets | 42.9521% | 5,764 |
| Net loans and leases to deposits | 50.5623% | 5,746 |
| Net loans and leases to core deposits | 52.9354% | 5,750 |
| Total domestic deposits to total assets | 84.9490% | 4,065 |
| Equity capital to assets | 11.4679% | 2,440 |
| Core capital (leverage) ratio | 10.5570% | 2,700 |
| Tier 1 risk-based capital ratio | 18.9431% | 2,060 |
| Total risk-based capital ratio | 19.9319% | 2,102 |
| Memoranda: | ||
| Average total assets | $522,717,000 | 1,295 |
| Average earning assets | $443,091,500 | 1,391 |
| Average equity | $60,137,500 | 1,221 |
| Average total loans | $229,029,000 | 1,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 5,404 |
| Cost of funding earning assets | 0.4958% | 5,246 |
| Net interest margin | 3.4710% | 4,622 |
| Noninterest income to average assets | 1.1968% | 1,095 |
| Noninterest expense to average assets | 3.4381% | 1,970 |
| Loan and lease loss provision to assets | 0.1712% | 3,480 |
| Net operating income to assets | 0.5008% | 4,691 |
| Return on assets (ROA) | 0.5231% | 4,857 |
| Pretax return on assets | 0.5624% | 5,098 |
| Return on Equity (ROE) | 4.4836% | 4,942 |
| Retained earnings to average equity (ytd only) | 1.9792% | 4,830 |
| Net charge-offs to loans | 0.6761% | 1,744 |
| Credit loss provision to net charge-offs | 56.4827% | 4,537 |
| Earnings coverage of net charge-offs (x) | 2.3415% | 4,241 |
| Efficiency ratio | 82.8909% | 1,761 |
| Assets per employee ($millions) | 2.9351% | 6,102 |
| Cash dividends to net income (ytd only)* | 55.8572% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,759 |
| Loan loss allowance to noncurrent loans | 79.3862% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 3.0563% | 1,547 |
| Noncurrent loans to loans | 1.6056% | 3,218 |
| Net loans and leases to total assets | 43.5800% | 5,853 |
| Net loans and leases to deposits | 51.3342% | 5,864 |
| Net loans and leases to core deposits | 54.0109% | 5,871 |
| Total domestic deposits to total assets | 84.8946% | 3,908 |
| Equity capital to assets | 11.5421% | 2,405 |
| Core capital (leverage) ratio | 10.7303% | 2,516 |
| Tier 1 risk-based capital ratio | 18.6210% | 2,068 |
| Total risk-based capital ratio | 19.6321% | 2,106 |
| Memoranda: | ||
| Average total assets | $514,058,600 | 1,300 |
| Average earning assets | $437,048,800 | 1,379 |
| Average equity | $59,974,400 | 1,186 |
| Average total loans | $230,425,400 | 1,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 5,518 |
| Cost of funding earning assets | 0.5164% | 5,336 |
| Net interest margin | 3.4833% | 4,705 |
| Noninterest income to average assets | 1.2028% | 1,044 |
| Noninterest expense to average assets | 3.5103% | 1,733 |
| Loan and lease loss provision to assets | 0.1571% | 3,550 |
| Net operating income to assets | 0.4254% | 5,136 |
| Return on assets (ROA) | 0.4517% | 5,274 |
| Pretax return on assets | 0.5438% | 5,334 |
| Return on Equity (ROE) | 3.8614% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.8614% | 4,176 |
| Net charge-offs to loans | 0.4254% | 2,390 |
| Credit loss provision to net charge-offs | 82.0652% | 3,553 |
| Earnings coverage of net charge-offs (x) | 3.4959% | 3,620 |
| Efficiency ratio | 83.9898% | 1,590 |
| Assets per employee ($millions) | 2.7469% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,965 |
| Loan loss allowance to noncurrent loans | 94.0618% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 3.4610% | 1,452 |
| Noncurrent loans to loans | 1.5912% | 3,401 |
| Net loans and leases to total assets | 45.1702% | 5,855 |
| Net loans and leases to deposits | 54.6986% | 5,746 |
| Net loans and leases to core deposits | 57.8372% | 5,742 |
| Total domestic deposits to total assets | 82.5802% | 4,801 |
| Equity capital to assets | 12.0645% | 2,200 |
| Core capital (leverage) ratio | 10.8408% | 2,554 |
| Tier 1 risk-based capital ratio | 18.6663% | 2,112 |
| Total risk-based capital ratio | 19.8570% | 2,097 |
| Memoranda: | ||
| Average total assets | $512,694,250 | 1,318 |
| Average earning assets | $438,120,000 | 1,393 |
| Average equity | $59,977,250 | 1,194 |
| Average total loans | $230,699,750 | 1,781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 5,640 |
| Cost of funding earning assets | 0.5351% | 5,404 |
| Net interest margin | 3.4640% | 4,826 |
| Noninterest income to average assets | 1.1772% | 1,030 |
| Noninterest expense to average assets | 3.4085% | 2,009 |
| Loan and lease loss provision to assets | 0.1273% | 3,929 |
| Net operating income to assets | 0.5068% | 4,785 |
| Return on assets (ROA) | 0.5471% | 4,874 |
| Pretax return on assets | 0.6468% | 4,975 |
| Return on Equity (ROE) | 4.7247% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.7247% | 3,463 |
| Net charge-offs to loans | 0.5739% | 1,881 |
| Credit loss provision to net charge-offs | 49.6218% | 4,045 |
| Earnings coverage of net charge-offs (x) | 2.8321% | 3,611 |
| Efficiency ratio | 82.4242% | 1,826 |
| Assets per employee ($millions) | 2.8136% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,408 |
| Loan loss allowance to noncurrent loans | 78.7470% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 3.5559% | 1,494 |
| Noncurrent loans to loans | 1.7948% | 3,224 |
| Net loans and leases to total assets | 43.7954% | 6,032 |
| Net loans and leases to deposits | 52.6598% | 5,980 |
| Net loans and leases to core deposits | 55.9840% | 5,946 |
| Total domestic deposits to total assets | 83.1667% | 4,691 |
| Equity capital to assets | 11.6017% | 2,487 |
| Core capital (leverage) ratio | 10.4126% | 2,906 |
| Tier 1 risk-based capital ratio | 18.4699% | 2,143 |
| Total risk-based capital ratio | 19.5865% | 2,149 |
| Memoranda: | ||
| Average total assets | $515,117,000 | 1,313 |
| Average earning assets | $439,891,670 | 1,393 |
| Average equity | $59,644,000 | 1,192 |
| Average total loans | $230,342,670 | 1,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 5,505 |
| Cost of funding earning assets | 0.5587% | 5,438 |
| Net interest margin | 3.5280% | 4,571 |
| Noninterest income to average assets | 1.1654% | 1,049 |
| Noninterest expense to average assets | 3.3668% | 2,102 |
| Loan and lease loss provision to assets | 0.0406% | 4,880 |
| Net operating income to assets | 0.6713% | 4,025 |
| Return on assets (ROA) | 0.6713% | 4,240 |
| Pretax return on assets | 0.7650% | 4,548 |
| Return on Equity (ROE) | 5.8038% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.8038% | 3,071 |
| Net charge-offs to loans | 0.4454% | 1,976 |
| Credit loss provision to net charge-offs | 20.3125% | 3,770 |
| Earnings coverage of net charge-offs (x) | 4.0313% | 2,688 |
| Efficiency ratio | 80.6922% | 2,119 |
| Assets per employee ($millions) | 2.8923% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 4,241 |
| Loan loss allowance to noncurrent loans | 73.3852% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 3.6438% | 1,557 |
| Noncurrent loans to loans | 2.0232% | 3,122 |
| Net loans and leases to total assets | 42.8187% | 6,116 |
| Net loans and leases to deposits | 51.2564% | 6,043 |
| Net loans and leases to core deposits | 54.5621% | 6,017 |
| Total domestic deposits to total assets | 83.5382% | 4,699 |
| Equity capital to assets | 11.3255% | 2,603 |
| Core capital (leverage) ratio | 10.4011% | 2,875 |
| Tier 1 risk-based capital ratio | 18.0133% | 2,284 |
| Total risk-based capital ratio | 19.1570% | 2,302 |
| Memoranda: | ||
| Average total assets | $512,421,000 | 1,324 |
| Average earning assets | $436,736,000 | 1,403 |
| Average equity | $59,272,000 | 1,197 |
| Average total loans | $229,900,500 | 1,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 5,982 |
| Cost of funding earning assets | 0.6994% | 5,546 |
| Net interest margin | 3.5281% | 5,031 |
| Noninterest income to average assets | 1.2695% | 801 |
| Noninterest expense to average assets | 3.3600% | 2,339 |
| Loan and lease loss provision to assets | 0.5264% | 1,987 |
| Net operating income to assets | 0.3975% | 4,876 |
| Return on assets (ROA) | 0.4635% | 4,774 |
| Pretax return on assets | 0.4799% | 5,045 |
| Return on Equity (ROE) | 4.0540% | 4,819 |
| Retained earnings to average equity (ytd only) | 1.5724% | 5,091 |
| Net charge-offs to loans | 1.3684% | 1,201 |
| Credit loss provision to net charge-offs | 81.6611% | 4,381 |
| Earnings coverage of net charge-offs (x) | 1.4556% | 4,679 |
| Efficiency ratio | 78.1707% | 2,566 |
| Assets per employee ($millions) | 2.7387% | 6,550 |
| Cash dividends to net income (ytd only)* | 61.2142% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,756 |
| Loan loss allowance to noncurrent loans | 55.6311% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 4.0947% | 1,399 |
| Noncurrent loans to loans | 2.8021% | 2,341 |
| Net loans and leases to total assets | 45.6232% | 6,041 |
| Net loans and leases to deposits | 55.4649% | 5,935 |
| Net loans and leases to core deposits | 59.8789% | 5,857 |
| Total domestic deposits to total assets | 82.2561% | 5,045 |
| Equity capital to assets | 11.8221% | 2,260 |
| Core capital (leverage) ratio | 10.4273% | 2,816 |
| Tier 1 risk-based capital ratio | 18.0071% | 2,184 |
| Total risk-based capital ratio | 19.2388% | 2,169 |
| Memoranda: | ||
| Average total assets | $511,787,200 | 1,306 |
| Average earning assets | $439,361,600 | 1,380 |
| Average equity | $58,509,800 | 1,162 |
| Average total loans | $241,090,600 | 1,736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 6,118 |
| Cost of funding earning assets | 0.6969% | 5,791 |
| Net interest margin | 3.5403% | 5,020 |
| Noninterest income to average assets | 1.2553% | 817 |
| Noninterest expense to average assets | 3.3262% | 2,417 |
| Loan and lease loss provision to assets | 0.6259% | 1,564 |
| Net operating income to assets | 0.3389% | 5,256 |
| Return on assets (ROA) | 0.4097% | 5,144 |
| Pretax return on assets | 0.4229% | 5,395 |
| Return on Equity (ROE) | 3.6137% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.6137% | 4,176 |
| Net charge-offs to loans | 1.5987% | 885 |
| Credit loss provision to net charge-offs | 82.7799% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.2907% | 4,649 |
| Efficiency ratio | 77.3179% | 2,639 |
| Assets per employee ($millions) | 2.8266% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 3,851 |
| Loan loss allowance to noncurrent loans | 71.1705% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.7751% | 1,646 |
| Noncurrent loans to loans | 2.1905% | 3,123 |
| Net loans and leases to total assets | 45.4517% | 6,192 |
| Net loans and leases to deposits | 55.3369% | 6,092 |
| Net loans and leases to core deposits | 60.2578% | 5,971 |
| Total domestic deposits to total assets | 82.1364% | 5,039 |
| Equity capital to assets | 11.6486% | 2,543 |
| Core capital (leverage) ratio | 10.4540% | 2,923 |
| Tier 1 risk-based capital ratio | 17.7793% | 2,339 |
| Total risk-based capital ratio | 19.0143% | 2,316 |
| Memoranda: | ||
| Average total assets | $515,122,500 | 1,304 |
| Average earning assets | $443,301,750 | 1,379 |
| Average equity | $58,405,500 | 1,161 |
| Average total loans | $243,611,250 | 1,730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 6,281 |
| Cost of funding earning assets | 0.7172% | 5,853 |
| Net interest margin | 3.4805% | 5,244 |
| Noninterest income to average assets | 1.2582% | 798 |
| Noninterest expense to average assets | 3.3290% | 2,464 |
| Loan and lease loss provision to assets | 0.5247% | 1,868 |
| Net operating income to assets | 0.3880% | 5,005 |
| Return on assets (ROA) | 0.4773% | 4,747 |
| Pretax return on assets | 0.5072% | 5,043 |
| Return on Equity (ROE) | 4.2488% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.2488% | 3,495 |
| Net charge-offs to loans | 0.4934% | 2,626 |
| Credit loss provision to net charge-offs | 223.1023% | 1,342 |
| Earnings coverage of net charge-offs (x) | 3.9835% | 3,002 |
| Efficiency ratio | 78.0386% | 2,702 |
| Assets per employee ($millions) | 2.8151% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,360 |
| Loan loss allowance to noncurrent loans | 38.3371% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 4.3362% | 1,465 |
| Noncurrent loans to loans | 5.2333% | 1,231 |
| Net loans and leases to total assets | 46.1924% | 6,247 |
| Net loans and leases to deposits | 56.1865% | 6,119 |
| Net loans and leases to core deposits | 61.3428% | 5,963 |
| Total domestic deposits to total assets | 82.2127% | 5,091 |
| Equity capital to assets | 11.2659% | 2,710 |
| Core capital (leverage) ratio | 10.1788% | 3,056 |
| Tier 1 risk-based capital ratio | 17.1619% | 2,457 |
| Total risk-based capital ratio | 18.4161% | 2,434 |
| Memoranda: | ||
| Average total assets | $515,347,000 | 1,307 |
| Average earning assets | $445,338,000 | 1,374 |
| Average equity | $57,898,670 | 1,157 |
| Average total loans | $245,638,670 | 1,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 6,362 |
| Cost of funding earning assets | 0.7025% | 6,119 |
| Net interest margin | 3.4618% | 5,174 |
| Noninterest income to average assets | 1.2324% | 837 |
| Noninterest expense to average assets | 3.4162% | 2,234 |
| Loan and lease loss provision to assets | 0.2160% | 3,492 |
| Net operating income to assets | 0.5821% | 4,125 |
| Return on assets (ROA) | 0.5821% | 4,193 |
| Pretax return on assets | 0.6080% | 4,654 |
| Return on Equity (ROE) | 5.1889% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.1889% | 3,065 |
| Net charge-offs to loans | 0.1600% | 3,527 |
| Credit loss provision to net charge-offs | 281.6327% | 1,127 |
| Earnings coverage of net charge-offs (x) | 10.7449% | 1,610 |
| Efficiency ratio | 80.5684% | 2,429 |
| Assets per employee ($millions) | 2.8912% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 3,035 |
| Loan loss allowance to noncurrent loans | 51.8571% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.5107% | 1,941 |
| Noncurrent loans to loans | 3.4583% | 2,162 |
| Net loans and leases to total assets | 45.8752% | 6,299 |
| Net loans and leases to deposits | 55.2495% | 6,197 |
| Net loans and leases to core deposits | 60.6639% | 6,051 |
| Total domestic deposits to total assets | 83.0328% | 4,912 |
| Equity capital to assets | 11.0588% | 2,629 |
| Core capital (leverage) ratio | 10.3110% | 2,795 |
| Tier 1 risk-based capital ratio | 17.2931% | 2,374 |
| Total risk-based capital ratio | 18.5455% | 2,348 |
| Memoranda: | ||
| Average total assets | $511,212,500 | 1,322 |
| Average earning assets | $444,159,000 | 1,391 |
| Average equity | $57,353,000 | 1,156 |
| Average total loans | $245,046,500 | 1,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 6,075 |
| Cost of funding earning assets | 1.0022% | 5,674 |
| Net interest margin | 3.6092% | 4,774 |
| Noninterest income to average assets | 1.2699% | 915 |
| Noninterest expense to average assets | 3.4910% | 2,205 |
| Loan and lease loss provision to assets | 0.4093% | 3,653 |
| Net operating income to assets | 0.4045% | 4,520 |
| Return on assets (ROA) | 0.4066% | 4,647 |
| Pretax return on assets | 0.4428% | 4,814 |
| Return on Equity (ROE) | 3.5682% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.2214% | 4,333 |
| Net charge-offs to loans | 0.8625% | 2,474 |
| Credit loss provision to net charge-offs | 93.3636% | 4,972 |
| Earnings coverage of net charge-offs (x) | 1.9386% | 4,272 |
| Efficiency ratio | 80.4196% | 2,360 |
| Assets per employee ($millions) | 2.8199% | 6,495 |
| Cash dividends to net income (ytd only)* | 37.7451% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 3,170 |
| Loan loss allowance to noncurrent loans | 49.6166% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.7785% | 1,810 |
| Noncurrent loans to loans | 3.4510% | 2,198 |
| Net loans and leases to total assets | 48.3723% | 6,354 |
| Net loans and leases to deposits | 58.8717% | 6,168 |
| Net loans and leases to core deposits | 65.6443% | 5,912 |
| Total domestic deposits to total assets | 82.1656% | 5,135 |
| Equity capital to assets | 11.3870% | 2,351 |
| Core capital (leverage) ratio | 10.3027% | 2,770 |
| Tier 1 risk-based capital ratio | 17.2061% | 2,271 |
| Total risk-based capital ratio | 18.4579% | 2,234 |
| Memoranda: | ||
| Average total assets | $501,776,800 | 1,335 |
| Average earning assets | $426,970,000 | 1,419 |
| Average equity | $57,171,400 | 1,163 |
| Average total loans | $255,082,400 | 1,733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 6,144 |
| Cost of funding earning assets | 1.0066% | 5,908 |
| Net interest margin | 3.6566% | 4,606 |
| Noninterest income to average assets | 1.2772% | 844 |
| Noninterest expense to average assets | 3.3826% | 2,350 |
| Loan and lease loss provision to assets | 0.3259% | 3,981 |
| Net operating income to assets | 0.5685% | 4,011 |
| Return on assets (ROA) | 0.5708% | 4,171 |
| Pretax return on assets | 0.6687% | 4,355 |
| Return on Equity (ROE) | 5.0090% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.0090% | 2,984 |
| Net charge-offs to loans | 0.9695% | 2,057 |
| Credit loss provision to net charge-offs | 65.5983% | 5,545 |
| Earnings coverage of net charge-offs (x) | 1.9968% | 4,219 |
| Efficiency ratio | 77.3248% | 2,717 |
| Assets per employee ($millions) | 2.7769% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 4,151 |
| Loan loss allowance to noncurrent loans | 33.3303% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 4.2064% | 1,627 |
| Noncurrent loans to loans | 4.3851% | 1,656 |
| Net loans and leases to total assets | 49.1945% | 6,409 |
| Net loans and leases to deposits | 60.2751% | 6,287 |
| Net loans and leases to core deposits | 66.7657% | 6,058 |
| Total domestic deposits to total assets | 81.6166% | 5,157 |
| Equity capital to assets | 11.5596% | 2,483 |
| Core capital (leverage) ratio | 10.4848% | 2,705 |
| Tier 1 risk-based capital ratio | 17.0064% | 2,336 |
| Total risk-based capital ratio | 18.2052% | 2,320 |
| Memoranda: | ||
| Average total assets | $502,442,500 | 1,346 |
| Average earning assets | $425,596,250 | 1,446 |
| Average equity | $57,255,750 | 1,163 |
| Average total loans | $257,443,250 | 1,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 6,211 |
| Cost of funding earning assets | 1.0190% | 6,058 |
| Net interest margin | 3.6605% | 4,537 |
| Noninterest income to average assets | 1.2683% | 801 |
| Noninterest expense to average assets | 3.3129% | 2,522 |
| Loan and lease loss provision to assets | 0.3404% | 3,697 |
| Net operating income to assets | 0.5921% | 3,912 |
| Return on assets (ROA) | 0.5938% | 4,043 |
| Pretax return on assets | 0.7072% | 4,207 |
| Return on Equity (ROE) | 5.2361% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.2361% | 2,754 |
| Net charge-offs to loans | 1.1550% | 1,644 |
| Credit loss provision to net charge-offs | 57.0281% | 5,284 |
| Earnings coverage of net charge-offs (x) | 1.7517% | 4,204 |
| Efficiency ratio | 76.0084% | 3,077 |
| Assets per employee ($millions) | 2.6684% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,184 |
| Loan loss allowance to noncurrent loans | 39.2468% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 4.0637% | 1,685 |
| Noncurrent loans to loans | 3.6896% | 2,120 |
| Net loans and leases to total assets | 49.0294% | 6,542 |
| Net loans and leases to deposits | 59.7213% | 6,437 |
| Net loans and leases to core deposits | 65.7895% | 6,261 |
| Total domestic deposits to total assets | 82.0970% | 4,942 |
| Equity capital to assets | 11.2657% | 2,619 |
| Core capital (leverage) ratio | 10.2547% | 2,888 |
| Tier 1 risk-based capital ratio | 16.5761% | 2,445 |
| Total risk-based capital ratio | 17.7601% | 2,417 |
| Memoranda: | ||
| Average total assets | $500,531,670 | 1,357 |
| Average earning assets | $422,566,670 | 1,467 |
| Average equity | $56,760,000 | 1,163 |
| Average total loans | $258,690,330 | 1,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 6,514 |
| Cost of funding earning assets | 0.9987% | 6,380 |
| Net interest margin | 3.6168% | 4,642 |
| Noninterest income to average assets | 1.2114% | 829 |
| Noninterest expense to average assets | 3.5346% | 1,903 |
| Loan and lease loss provision to assets | 0.2238% | 4,257 |
| Net operating income to assets | 0.5206% | 4,286 |
| Return on assets (ROA) | 0.5206% | 4,426 |
| Pretax return on assets | 0.5425% | 4,810 |
| Return on Equity (ROE) | 4.5750% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.5750% | 3,403 |
| Net charge-offs to loans | 0.7464% | 2,015 |
| Credit loss provision to net charge-offs | 56.9072% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.9485% | 3,564 |
| Efficiency ratio | 82.1833% | 2,255 |
| Assets per employee ($millions) | 2.7562% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,433 |
| Loan loss allowance to noncurrent loans | 36.9548% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 4.4403% | 1,529 |
| Noncurrent loans to loans | 4.3366% | 1,745 |
| Net loans and leases to total assets | 49.8871% | 6,473 |
| Net loans and leases to deposits | 60.6994% | 6,391 |
| Net loans and leases to core deposits | 67.4248% | 6,161 |
| Total domestic deposits to total assets | 82.1871% | 4,989 |
| Equity capital to assets | 11.1286% | 2,658 |
| Core capital (leverage) ratio | 10.4509% | 2,669 |
| Tier 1 risk-based capital ratio | 16.2119% | 2,561 |
| Total risk-based capital ratio | 17.4626% | 2,518 |
| Memoranda: | ||
| Average total assets | $493,299,000 | 1,414 |
| Average earning assets | $421,365,500 | 1,515 |
| Average equity | $56,131,000 | 1,183 |
| Average total loans | $259,930,500 | 1,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 5,022 |
| Cost of funding earning assets | 1.3707% | 6,053 |
| Net interest margin | 3.9601% | 3,030 |
| Noninterest income to average assets | 1.5135% | 630 |
| Noninterest expense to average assets | 3.8268% | 1,644 |
| Loan and lease loss provision to assets | 0.8163% | 2,683 |
| Net operating income to assets | 0.2804% | 4,606 |
| Return on assets (ROA) | 0.2846% | 4,679 |
| Pretax return on assets | 0.1941% | 5,018 |
| Return on Equity (ROE) | 2.4063% | 4,745 |
| Retained earnings to average equity (ytd only) | 1.0163% | 4,324 |
| Net charge-offs to loans | 1.1021% | 2,218 |
| Credit loss provision to net charge-offs | 121.5194% | 4,374 |
| Earnings coverage of net charge-offs (x) | 1.4978% | 4,627 |
| Efficiency ratio | 79.1818% | 3,015 |
| Assets per employee ($millions) | 2.5629% | 7,102 |
| Cash dividends to net income (ytd only)* | 57.7644% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 3,028 |
| Loan loss allowance to noncurrent loans | 40.1698% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 4.9973% | 1,233 |
| Noncurrent loans to loans | 4.1455% | 1,768 |
| Net loans and leases to total assets | 53.9108% | 6,210 |
| Net loans and leases to deposits | 66.5492% | 5,996 |
| Net loans and leases to core deposits | 80.6654% | 6,023 |
| Total domestic deposits to total assets | 81.0089% | 5,342 |
| Equity capital to assets | 11.6462% | 2,218 |
| Core capital (leverage) ratio | 10.8135% | 2,339 |
| Tier 1 risk-based capital ratio | 16.0954% | 2,475 |
| Total risk-based capital ratio | 17.3472% | 2,409 |
| Memoranda: | ||
| Average total assets | $468,327,600 | 1,481 |
| Average earning assets | $392,567,400 | 1,618 |
| Average equity | $55,395,200 | 1,186 |
| Average total loans | $285,446,800 | 1,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 4,721 |
| Cost of funding earning assets | 1.3849% | 6,291 |
| Net interest margin | 4.0575% | 2,558 |
| Noninterest income to average assets | 1.6189% | 560 |
| Noninterest expense to average assets | 3.8109% | 1,575 |
| Loan and lease loss provision to assets | 0.7850% | 2,408 |
| Net operating income to assets | 0.3803% | 4,479 |
| Return on assets (ROA) | 0.3855% | 4,558 |
| Pretax return on assets | 0.4238% | 4,729 |
| Return on Equity (ROE) | 3.2463% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.2463% | 3,497 |
| Net charge-offs to loans | 0.9108% | 2,149 |
| Credit loss provision to net charge-offs | 137.8704% | 3,590 |
| Earnings coverage of net charge-offs (x) | 2.1130% | 4,236 |
| Efficiency ratio | 76.0052% | 3,516 |
| Assets per employee ($millions) | 2.5053% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 2,918 |
| Loan loss allowance to noncurrent loans | 41.8462% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 4.6082% | 1,310 |
| Noncurrent loans to loans | 3.8693% | 1,916 |
| Net loans and leases to total assets | 58.0625% | 5,880 |
| Net loans and leases to deposits | 72.4815% | 5,582 |
| Net loans and leases to core deposits | 88.5628% | 5,583 |
| Total domestic deposits to total assets | 80.1067% | 5,396 |
| Equity capital to assets | 12.2368% | 2,102 |
| Core capital (leverage) ratio | 11.2195% | 2,246 |
| Tier 1 risk-based capital ratio | 16.3638% | 2,487 |
| Total risk-based capital ratio | 17.6156% | 2,429 |
| Memoranda: | ||
| Average total assets | $466,235,250 | 1,498 |
| Average earning assets | $390,113,000 | 1,636 |
| Average equity | $55,364,750 | 1,202 |
| Average total loans | $291,472,750 | 1,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6089% | 4,028 |
| Cost of funding earning assets | 1.4051% | 6,463 |
| Net interest margin | 4.2039% | 1,985 |
| Noninterest income to average assets | 1.4839% | 673 |
| Noninterest expense to average assets | 3.9049% | 1,476 |
| Loan and lease loss provision to assets | 0.9710% | 1,738 |
| Net operating income to assets | 0.1101% | 5,536 |
| Return on assets (ROA) | 0.1147% | 5,617 |
| Pretax return on assets | 0.1173% | 5,638 |
| Return on Equity (ROE) | 0.9761% | 5,641 |
| Retained earnings to average equity (ytd only) | 0.9761% | 4,790 |
| Net charge-offs to loans | 0.5722% | 2,614 |
| Credit loss provision to net charge-offs | 266.5100% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.9741% | 3,618 |
| Efficiency ratio | 78.2784% | 3,303 |
| Assets per employee ($millions) | 2.3859% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,019 |
| Loan loss allowance to noncurrent loans | 67.2744% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.7502% | 1,634 |
| Noncurrent loans to loans | 2.6872% | 2,677 |
| Net loans and leases to total assets | 60.0616% | 5,668 |
| Net loans and leases to deposits | 75.2160% | 5,289 |
| Net loans and leases to core deposits | 89.8771% | 5,543 |
| Total domestic deposits to total assets | 79.8522% | 5,525 |
| Equity capital to assets | 11.8844% | 2,269 |
| Core capital (leverage) ratio | 10.7349% | 2,626 |
| Tier 1 risk-based capital ratio | 15.6966% | 2,731 |
| Total risk-based capital ratio | 16.9508% | 2,664 |
| Memoranda: | ||
| Average total assets | $467,154,330 | 1,523 |
| Average earning assets | $389,449,330 | 1,668 |
| Average equity | $54,914,670 | 1,225 |
| Average total loans | $297,451,670 | 1,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 4,040 |
| Cost of funding earning assets | 1.3975% | 6,739 |
| Net interest margin | 4.2542% | 1,732 |
| Noninterest income to average assets | 1.4224% | 696 |
| Noninterest expense to average assets | 3.7187% | 1,616 |
| Loan and lease loss provision to assets | 0.6614% | 1,914 |
| Net operating income to assets | 0.4914% | 4,461 |
| Return on assets (ROA) | 0.4914% | 4,651 |
| Pretax return on assets | 0.5518% | 4,909 |
| Return on Equity (ROE) | 4.2029% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.2029% | 3,573 |
| Net charge-offs to loans | 0.9209% | 1,439 |
| Credit loss provision to net charge-offs | 110.6686% | 3,484 |
| Earnings coverage of net charge-offs (x) | 2.0299% | 3,705 |
| Efficiency ratio | 75.4008% | 3,586 |
| Assets per employee ($millions) | 2.5342% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 4,394 |
| Loan loss allowance to noncurrent loans | 58.1756% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 4.7732% | 970 |
| Noncurrent loans to loans | 2.1549% | 3,046 |
| Net loans and leases to total assets | 61.6712% | 5,395 |
| Net loans and leases to deposits | 76.4911% | 5,154 |
| Net loans and leases to core deposits | 90.3403% | 5,522 |
| Total domestic deposits to total assets | 80.6254% | 5,124 |
| Equity capital to assets | 11.6037% | 2,524 |
| Core capital (leverage) ratio | 10.8351% | 2,632 |
| Tier 1 risk-based capital ratio | 14.5116% | 3,306 |
| Total risk-based capital ratio | 15.5899% | 3,324 |
| Memoranda: | ||
| Average total assets | $470,488,000 | 1,524 |
| Average earning assets | $388,135,500 | 1,685 |
| Average equity | $55,009,000 | 1,236 |
| Average total loans | $305,343,500 | 1,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5183% | 2,872 |
| Cost of funding earning assets | 2.1607% | 5,776 |
| Net interest margin | 4.3576% | 1,805 |
| Noninterest income to average assets | 1.6105% | 535 |
| Noninterest expense to average assets | 3.3544% | 2,813 |
| Loan and lease loss provision to assets | 2.1757% | 530 |
| Net operating income to assets | 0.0576% | 6,213 |
| Return on assets (ROA) | 0.0593% | 6,066 |
| Pretax return on assets | -0.1409% | 6,313 |
| Return on Equity (ROE) | 0.5111% | 6,071 |
| Retained earnings to average equity (ytd only) | -0.8697% | 5,558 |
| Net charge-offs to loans | 3.4181% | 234 |
| Credit loss provision to net charge-offs | 90.8427% | 5,662 |
| Earnings coverage of net charge-offs (x) | 0.8485% | 5,721 |
| Efficiency ratio | 62.2745% | 5,899 |
| Assets per employee ($millions) | 2.4445% | 7,311 |
| Cash dividends to net income (ytd only)* | 270.1754% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 4,708 |
| Loan loss allowance to noncurrent loans | 53.3614% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 4.5308% | 826 |
| Noncurrent loans to loans | 2.2105% | 2,498 |
| Net loans and leases to total assets | 66.6387% | 4,720 |
| Net loans and leases to deposits | 85.8686% | 4,138 |
| Net loans and leases to core deposits | 102.3027% | 4,578 |
| Total domestic deposits to total assets | 77.6055% | 5,837 |
| Equity capital to assets | 11.7834% | 2,446 |
| Core capital (leverage) ratio | 10.8114% | 2,736 |
| Tier 1 risk-based capital ratio | 13.9868% | 3,557 |
| Total risk-based capital ratio | 15.0171% | 3,581 |
| Memoranda: | ||
| Average total assets | $480,589,200 | 1,429 |
| Average earning assets | $416,442,000 | 1,501 |
| Average equity | $55,763,400 | 1,206 |
| Average total loans | $336,741,400 | 1,441 |