Home > First Southern National Bank > Performance and Condition Ratios
First Southern National 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 | 4.5863% | 2,924 |
| Cost of funding earning assets | 0.6245% | 4,037 |
| Net interest margin | 3.9618% | 1,262 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.9876% | 1,146 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9126% | 2,508 |
| Return on assets (ROA) | 0.9133% | 2,472 |
| Pretax return on assets | 1.2137% | 2,104 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.5466% | 3,106 |
| Net charge-offs to loans | 0.0809% | 1,051 |
| Credit loss provision to net charge-offs | 92.6635% | 1,928 |
| Earnings coverage of net charge-offs (x) | 24.2376% | 1,768 |
| Efficiency ratio | 70.2661% | 1,842 |
| Assets per employee ($millions) | 5.5809% | 3,179 |
| Cash dividends to net income (ytd only)* | 68.3122% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,464 |
| Loan loss allowance to noncurrent loans | 194.3262% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 1,184 |
| Noncurrent loans to loans | 0.7097% | 1,098 |
| Net loans and leases to total assets | 65.6200% | 2,295 |
| Net loans and leases to deposits | 72.6364% | 2,718 |
| Net loans and leases to core deposits | 75.7972% | 2,992 |
| Total domestic deposits to total assets | 90.3500% | 663 |
| Equity capital to assets | 8.6408% | 2,941 |
| Core capital (leverage) ratio | 8.3476% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8800% | 1,568 |
| Memoranda: | ||
| Average total assets | $1,202,064,800 | 852 |
| Average earning assets | $1,115,502,800 | 846 |
| Average equity | $98,095,200 | 957 |
| Average total loans | $774,786,400 | 888 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,011 |
| Cost of funding earning assets | 0.4936% | 4,148 |
| Net interest margin | 3.9520% | 1,297 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.9716% | 1,110 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9321% | 2,575 |
| Return on assets (ROA) | 0.8591% | 2,815 |
| Pretax return on assets | 1.1411% | 2,456 |
| Return on Equity (ROE) | 10.6800% | 2,457 |
| Retained earnings to average equity (ytd only) | 1.7324% | 3,785 |
| Net charge-offs to loans | 0.0599% | 1,071 |
| Credit loss provision to net charge-offs | 129.7688% | 1,422 |
| Earnings coverage of net charge-offs (x) | 33.5491% | 1,536 |
| Efficiency ratio | 69.8039% | 1,808 |
| Assets per employee ($millions) | 5.7015% | 3,017 |
| Cash dividends to net income (ytd only)* | 83.7845% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,368 |
| Loan loss allowance to noncurrent loans | 189.4118% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 1,202 |
| Noncurrent loans to loans | 0.7499% | 1,107 |
| Net loans and leases to total assets | 63.1900% | 2,544 |
| Net loans and leases to deposits | 69.2520% | 2,887 |
| Net loans and leases to core deposits | 72.0896% | 3,102 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 7.8088% | 3,177 |
| Core capital (leverage) ratio | 8.1308% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8073% | 1,627 |
| Memoranda: | ||
| Average total assets | $1,204,003,000 | 860 |
| Average earning assets | $1,118,919,000 | 846 |
| Average equity | $96,819,500 | 966 |
| Average total loans | $769,801,750 | 890 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 3,070 |
| Cost of funding earning assets | 0.3410% | 4,256 |
| Net interest margin | 3.9733% | 1,286 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.9846% | 1,066 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9492% | 2,595 |
| Return on assets (ROA) | 0.8818% | 2,806 |
| Pretax return on assets | 1.1693% | 2,447 |
| Return on Equity (ROE) | 10.8600% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.7500% | 2,367 |
| Net charge-offs to loans | 0.0653% | 902 |
| Credit loss provision to net charge-offs | 88.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 31.3560% | 1,525 |
| Efficiency ratio | 69.5289% | 1,809 |
| Assets per employee ($millions) | 5.6534% | 3,024 |
| Cash dividends to net income (ytd only)* | 37.8430% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,512 |
| Loan loss allowance to noncurrent loans | 198.0155% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 1,163 |
| Noncurrent loans to loans | 0.7104% | 1,051 |
| Net loans and leases to total assets | 63.8900% | 2,396 |
| Net loans and leases to deposits | 70.2397% | 2,763 |
| Net loans and leases to core deposits | 72.5983% | 2,982 |
| Total domestic deposits to total assets | 90.9600% | 661 |
| Equity capital to assets | 8.1477% | 3,124 |
| Core capital (leverage) ratio | 8.3441% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0569% | 1,560 |
| Memoranda: | ||
| Average total assets | $1,198,632,000 | 850 |
| Average earning assets | $1,113,780,667 | 838 |
| Average equity | $97,334,000 | 957 |
| Average total loans | $765,702,000 | 878 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,146 |
| Cost of funding earning assets | 0.2235% | 4,339 |
| Net interest margin | 3.9229% | 1,426 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.9257% | 1,183 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9440% | 2,706 |
| Return on assets (ROA) | 0.9821% | 2,557 |
| Pretax return on assets | 1.2995% | 2,175 |
| Return on Equity (ROE) | 12.1100% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.9880% | 2,222 |
| Net charge-offs to loans | 0.1044% | 584 |
| Credit loss provision to net charge-offs | 15.1515% | 1,386 |
| Earnings coverage of net charge-offs (x) | 19.0455% | 1,474 |
| Efficiency ratio | 69.8754% | 1,760 |
| Assets per employee ($millions) | 5.8345% | 2,907 |
| Cash dividends to net income (ytd only)* | 34.0599% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,532 |
| Loan loss allowance to noncurrent loans | 173.9368% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 1,020 |
| Noncurrent loans to loans | 0.8177% | 936 |
| Net loans and leases to total assets | 61.3100% | 2,531 |
| Net loans and leases to deposits | 67.3854% | 2,820 |
| Net loans and leases to core deposits | 69.2258% | 3,005 |
| Total domestic deposits to total assets | 90.9800% | 809 |
| Equity capital to assets | 8.1050% | 3,167 |
| Core capital (leverage) ratio | 8.3818% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0448% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,195,865,000 | 865 |
| Average earning assets | $1,111,534,000 | 856 |
| Average equity | $96,945,000 | 970 |
| Average total loans | $758,398,000 | 898 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 2,799 |
| Cost of funding earning assets | 0.0668% | 4,517 |
| Net interest margin | 3.5342% | 1,825 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.8606% | 1,194 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7640% | 3,445 |
| Return on assets (ROA) | 0.7715% | 3,364 |
| Pretax return on assets | 1.0163% | 3,029 |
| Return on Equity (ROE) | 9.3500% | 3,014 |
| Retained earnings to average equity (ytd only) | 5.2700% | 2,940 |
| Net charge-offs to loans | 0.0210% | 1,665 |
| Credit loss provision to net charge-offs | 209.7902% | 1,090 |
| Earnings coverage of net charge-offs (x) | 85.7972% | 1,053 |
| Efficiency ratio | 73.4879% | 1,268 |
| Assets per employee ($millions) | 5.6625% | 3,074 |
| Cash dividends to net income (ytd only)* | 43.6110% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,529 |
| Loan loss allowance to noncurrent loans | 172.9952% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 976 |
| Noncurrent loans to loans | 0.8046% | 921 |
| Net loans and leases to total assets | 63.8000% | 2,264 |
| Net loans and leases to deposits | 69.9854% | 2,583 |
| Net loans and leases to core deposits | 71.1887% | 2,785 |
| Total domestic deposits to total assets | 91.1700% | 888 |
| Equity capital to assets | 8.1085% | 2,989 |
| Core capital (leverage) ratio | 8.2222% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8922% | 1,660 |
| Memoranda: | ||
| Average total assets | $1,188,847,000 | 861 |
| Average earning assets | $1,107,618,600 | 849 |
| Average equity | $98,141,200 | 956 |
| Average total loans | $682,434,200 | 928 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 2,834 |
| Cost of funding earning assets | 0.0608% | 4,526 |
| Net interest margin | 3.3689% | 2,073 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.7518% | 1,345 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7454% | 3,434 |
| Return on assets (ROA) | 0.5513% | 3,906 |
| Pretax return on assets | 0.7215% | 3,760 |
| Return on Equity (ROE) | 6.6500% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.6106% | 3,886 |
| Net charge-offs to loans | 0.0217% | 1,404 |
| Credit loss provision to net charge-offs | 92.5926% | 1,365 |
| Earnings coverage of net charge-offs (x) | 81.1574% | 1,042 |
| Efficiency ratio | 73.7708% | 1,302 |
| Assets per employee ($millions) | 5.7848% | 2,946 |
| Cash dividends to net income (ytd only)* | 60.7410% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,352 |
| Loan loss allowance to noncurrent loans | 168.2558% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 923 |
| Noncurrent loans to loans | 0.8798% | 895 |
| Net loans and leases to total assets | 57.7500% | 2,726 |
| Net loans and leases to deposits | 62.9509% | 2,951 |
| Net loans and leases to core deposits | 63.9456% | 3,124 |
| Total domestic deposits to total assets | 91.7400% | 957 |
| Equity capital to assets | 7.5328% | 3,199 |
| Core capital (leverage) ratio | 7.9423% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5196% | 1,562 |
| Memoranda: | ||
| Average total assets | $1,194,438,000 | 862 |
| Average earning assets | $1,114,195,750 | 851 |
| Average equity | $99,030,500 | 959 |
| Average total loans | $664,347,750 | 946 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 2,861 |
| Cost of funding earning assets | 0.0598% | 4,531 |
| Net interest margin | 3.2038% | 2,174 |
| Noninterest income to average assets | 0.5506% | 1,945 |
| Noninterest expense to average assets | 2.7016% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6629% | 3,435 |
| Return on assets (ROA) | 0.4869% | 3,876 |
| Pretax return on assets | 0.6311% | 3,745 |
| Return on Equity (ROE) | 5.6992% | 3,655 |
| Retained earnings to average equity (ytd only) | 1.7822% | 3,807 |
| Net charge-offs to loans | 0.0291% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 53.7263% | 1,131 |
| Efficiency ratio | 75.9823% | 1,285 |
| Assets per employee ($millions) | 5.7080% | 3,020 |
| Cash dividends to net income (ytd only)* | 68.7285% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,393 |
| Loan loss allowance to noncurrent loans | 172.6844% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 1,035 |
| Noncurrent loans to loans | 0.8713% | 975 |
| Net loans and leases to total assets | 55.9976% | 2,757 |
| Net loans and leases to deposits | 61.3536% | 2,942 |
| Net loans and leases to core deposits | 62.3451% | 3,087 |
| Total domestic deposits to total assets | 91.2702% | 1,118 |
| Equity capital to assets | 8.0512% | 3,082 |
| Core capital (leverage) ratio | 7.8125% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5914% | 1,547 |
| Memoranda: | ||
| Average total assets | $1,195,363,000 | 855 |
| Average earning assets | $1,121,175,000 | 852 |
| Average equity | $102,119,000 | 957 |
| Average total loans | $652,941,667 | 950 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1428% | 2,848 |
| Cost of funding earning assets | 0.0628% | 4,508 |
| Net interest margin | 3.0800% | 2,235 |
| Noninterest income to average assets | 0.5361% | 1,966 |
| Noninterest expense to average assets | 2.6181% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6121% | 3,360 |
| Return on assets (ROA) | 0.8123% | 2,616 |
| Pretax return on assets | 1.0649% | 2,248 |
| Return on Equity (ROE) | 9.2409% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.4286% | 2,435 |
| Net charge-offs to loans | 0.0232% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 65.4595% | 821 |
| Efficiency ratio | 76.3361% | 1,485 |
| Assets per employee ($millions) | 5.9440% | 2,857 |
| Cash dividends to net income (ytd only)* | 41.2541% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,276 |
| Loan loss allowance to noncurrent loans | 189.1763% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 1,181 |
| Noncurrent loans to loans | 0.8450% | 1,109 |
| Net loans and leases to total assets | 52.6100% | 2,929 |
| Net loans and leases to deposits | 57.7907% | 3,095 |
| Net loans and leases to core deposits | 58.6966% | 3,259 |
| Total domestic deposits to total assets | 91.0354% | 1,014 |
| Equity capital to assets | 8.3833% | 3,256 |
| Core capital (leverage) ratio | 8.0039% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3534% | 1,414 |
| Memoranda: | ||
| Average total assets | $1,193,709,000 | 861 |
| Average earning assets | $1,121,433,500 | 853 |
| Average equity | $104,925,000 | 960 |
| Average total loans | $638,672,000 | 961 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 2,451 |
| Cost of funding earning assets | 0.0958% | 4,412 |
| Net interest margin | 3.4801% | 1,798 |
| Noninterest income to average assets | 0.5800% | 2,236 |
| Noninterest expense to average assets | 2.6098% | 1,845 |
| Loan and lease loss provision to assets | 0.0480% | 2,103 |
| Net operating income to assets | 0.9120% | 2,995 |
| Return on assets (ROA) | 0.8355% | 3,295 |
| Pretax return on assets | 1.0827% | 3,024 |
| Return on Equity (ROE) | 8.6167% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.9042% | 2,821 |
| Net charge-offs to loans | 0.0274% | 1,691 |
| Credit loss provision to net charge-offs | 302.8409% | 1,055 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 1,017 |
| Efficiency ratio | 67.9871% | 1,985 |
| Assets per employee ($millions) | 6.0244% | 2,747 |
| Cash dividends to net income (ytd only)* | 43.0849% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,181 |
| Loan loss allowance to noncurrent loans | 188.4034% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 1,280 |
| Noncurrent loans to loans | 0.8688% | 1,175 |
| Net loans and leases to total assets | 52.6661% | 2,987 |
| Net loans and leases to deposits | 58.3892% | 3,217 |
| Net loans and leases to core deposits | 59.2904% | 3,371 |
| Total domestic deposits to total assets | 90.1983% | 869 |
| Equity capital to assets | 9.2053% | 3,415 |
| Core capital (leverage) ratio | 8.1871% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5912% | 1,365 |
| Memoranda: | ||
| Average total assets | $1,111,178,400 | 883 |
| Average earning assets | $1,040,014,800 | 873 |
| Average equity | $107,744,800 | 948 |
| Average total loans | $643,283,800 | 943 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 2,316 |
| Cost of funding earning assets | 0.1051% | 4,457 |
| Net interest margin | 3.5803% | 1,647 |
| Noninterest income to average assets | 0.5799% | 2,301 |
| Noninterest expense to average assets | 2.5978% | 1,843 |
| Loan and lease loss provision to assets | 0.0540% | 1,903 |
| Net operating income to assets | 0.9926% | 2,941 |
| Return on assets (ROA) | 0.8379% | 3,484 |
| Pretax return on assets | 1.0800% | 3,242 |
| Return on Equity (ROE) | 8.5251% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.8045% | 3,290 |
| Net charge-offs to loans | 0.0231% | 1,578 |
| Credit loss provision to net charge-offs | 395.5357% | 859 |
| Earnings coverage of net charge-offs (x) | 97.4018% | 883 |
| Efficiency ratio | 66.1173% | 2,086 |
| Assets per employee ($millions) | 5.7536% | 2,933 |
| Cash dividends to net income (ytd only)* | 43.6427% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,241 |
| Loan loss allowance to noncurrent loans | 180.4405% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 1,356 |
| Noncurrent loans to loans | 0.9095% | 1,265 |
| Net loans and leases to total assets | 54.8647% | 2,868 |
| Net loans and leases to deposits | 61.2011% | 3,122 |
| Net loans and leases to core deposits | 62.2135% | 3,296 |
| Total domestic deposits to total assets | 89.6466% | 941 |
| Equity capital to assets | 9.6442% | 3,256 |
| Core capital (leverage) ratio | 8.2503% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6904% | 1,430 |
| Memoranda: | ||
| Average total assets | $1,093,778,500 | 901 |
| Average earning assets | $1,022,705,250 | 896 |
| Average equity | $107,507,500 | 967 |
| Average total loans | $646,050,000 | 955 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 2,579 |
| Cost of funding earning assets | 0.1188% | 4,448 |
| Net interest margin | 3.4951% | 1,869 |
| Noninterest income to average assets | 0.5731% | 2,324 |
| Noninterest expense to average assets | 2.5519% | 1,992 |
| Loan and lease loss provision to assets | 0.0386% | 2,223 |
| Net operating income to assets | 0.9736% | 2,985 |
| Return on assets (ROA) | 0.9537% | 3,137 |
| Pretax return on assets | 1.2231% | 2,849 |
| Return on Equity (ROE) | 9.6404% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,842 |
| Net charge-offs to loans | 0.0043% | 2,001 |
| Credit loss provision to net charge-offs | 1,492.8571% | 366 |
| Earnings coverage of net charge-offs (x) | 497.5000% | 267 |
| Efficiency ratio | 66.4533% | 2,089 |
| Assets per employee ($millions) | 5.5707% | 3,041 |
| Cash dividends to net income (ytd only)* | 38.7447% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,425 |
| Loan loss allowance to noncurrent loans | 112.3029% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 893 |
| Noncurrent loans to loans | 1.3799% | 848 |
| Net loans and leases to total assets | 57.7995% | 2,697 |
| Net loans and leases to deposits | 64.4689% | 2,954 |
| Net loans and leases to core deposits | 65.5994% | 3,148 |
| Total domestic deposits to total assets | 89.6549% | 947 |
| Equity capital to assets | 9.6987% | 3,145 |
| Core capital (leverage) ratio | 8.3229% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8754% | 1,671 |
| Memoranda: | ||
| Average total assets | $1,082,470,333 | 904 |
| Average earning assets | $1,011,414,333 | 901 |
| Average equity | $107,090,667 | 965 |
| Average total loans | $651,722,000 | 951 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 2,822 |
| Cost of funding earning assets | 0.1281% | 4,473 |
| Net interest margin | 3.4044% | 2,096 |
| Noninterest income to average assets | 0.5659% | 2,345 |
| Noninterest expense to average assets | 2.5289% | 2,089 |
| Loan and lease loss provision to assets | 0.0391% | 2,256 |
| Net operating income to assets | 0.9624% | 2,922 |
| Return on assets (ROA) | 0.7697% | 3,585 |
| Pretax return on assets | 0.9411% | 3,513 |
| Return on Equity (ROE) | 7.7000% | 3,413 |
| Retained earnings to average equity (ytd only) | 3.9384% | 3,520 |
| Net charge-offs to loans | 0.0086% | 1,604 |
| Credit loss provision to net charge-offs | 742.8571% | 501 |
| Earnings coverage of net charge-offs (x) | 230.8571% | 362 |
| Efficiency ratio | 67.5236% | 2,006 |
| Assets per employee ($millions) | 5.5961% | 3,026 |
| Cash dividends to net income (ytd only)* | 48.8520% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,431 |
| Loan loss allowance to noncurrent loans | 94.9073% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 794 |
| Noncurrent loans to loans | 1.6303% | 746 |
| Net loans and leases to total assets | 58.1894% | 2,784 |
| Net loans and leases to deposits | 64.8841% | 3,039 |
| Net loans and leases to core deposits | 66.1710% | 3,228 |
| Total domestic deposits to total assets | 89.6820% | 981 |
| Equity capital to assets | 9.6509% | 3,052 |
| Core capital (leverage) ratio | 8.6559% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0243% | 1,562 |
| Memoranda: | ||
| Average total assets | $1,063,853,500 | 911 |
| Average earning assets | $993,197,000 | 902 |
| Average equity | $106,337,500 | 961 |
| Average total loans | $648,898,000 | 950 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,093 |
| Cost of funding earning assets | 0.1952% | 4,596 |
| Net interest margin | 4.0192% | 934 |
| Noninterest income to average assets | 0.6459% | 2,044 |
| Noninterest expense to average assets | 2.8774% | 1,744 |
| Loan and lease loss provision to assets | 0.1952% | 2,002 |
| Net operating income to assets | 1.0139% | 2,248 |
| Return on assets (ROA) | 1.1922% | 1,685 |
| Pretax return on assets | 1.5051% | 1,312 |
| Return on Equity (ROE) | 11.1965% | 1,557 |
| Retained earnings to average equity (ytd only) | 5.3370% | 2,123 |
| Net charge-offs to loans | 0.0482% | 2,107 |
| Credit loss provision to net charge-offs | 607.4434% | 1,094 |
| Earnings coverage of net charge-offs (x) | 45.8932% | 1,279 |
| Efficiency ratio | 66.0805% | 2,519 |
| Assets per employee ($millions) | 5.3123% | 3,038 |
| Cash dividends to net income (ytd only)* | 52.3332% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,443 |
| Loan loss allowance to noncurrent loans | 92.8279% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 809 |
| Noncurrent loans to loans | 1.6657% | 781 |
| Net loans and leases to total assets | 62.0539% | 2,601 |
| Net loans and leases to deposits | 69.7984% | 2,899 |
| Net loans and leases to core deposits | 71.4609% | 3,132 |
| Total domestic deposits to total assets | 88.9045% | 1,025 |
| Equity capital to assets | 10.3660% | 2,787 |
| Core capital (leverage) ratio | 8.8325% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9226% | 1,556 |
| Memoranda: | ||
| Average total assets | $961,658,400 | 910 |
| Average earning assets | $886,765,200 | 915 |
| Average equity | $102,398,000 | 941 |
| Average total loans | $641,402,600 | 925 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,292 |
| Cost of funding earning assets | 0.2084% | 4,640 |
| Net interest margin | 4.0266% | 1,057 |
| Noninterest income to average assets | 0.6468% | 1,994 |
| Noninterest expense to average assets | 2.9273% | 1,624 |
| Loan and lease loss provision to assets | 0.1450% | 2,572 |
| Net operating income to assets | 1.0133% | 2,288 |
| Return on assets (ROA) | 1.0133% | 2,419 |
| Pretax return on assets | 1.2784% | 2,132 |
| Return on Equity (ROE) | 9.4489% | 2,231 |
| Retained earnings to average equity (ytd only) | 2.8762% | 3,565 |
| Net charge-offs to loans | 0.0350% | 2,131 |
| Credit loss provision to net charge-offs | 611.9048% | 1,154 |
| Earnings coverage of net charge-offs (x) | 60.0952% | 1,097 |
| Efficiency ratio | 67.2456% | 2,284 |
| Assets per employee ($millions) | 4.9593% | 3,300 |
| Cash dividends to net income (ytd only)* | 69.5604% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,621 |
| Loan loss allowance to noncurrent loans | 90.2498% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 942 |
| Noncurrent loans to loans | 1.5817% | 896 |
| Net loans and leases to total assets | 64.3143% | 2,733 |
| Net loans and leases to deposits | 72.3910% | 3,099 |
| Net loans and leases to core deposits | 74.1936% | 3,310 |
| Total domestic deposits to total assets | 88.8429% | 843 |
| Equity capital to assets | 10.3734% | 2,898 |
| Core capital (leverage) ratio | 8.7270% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4107% | 1,392 |
| Memoranda: | ||
| Average total assets | $945,755,250 | 916 |
| Average earning assets | $869,935,500 | 915 |
| Average equity | $101,427,500 | 943 |
| Average total loans | $640,200,000 | 926 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,323 |
| Cost of funding earning assets | 0.2254% | 4,698 |
| Net interest margin | 4.1312% | 1,057 |
| Noninterest income to average assets | 0.6829% | 1,798 |
| Noninterest expense to average assets | 2.9985% | 1,575 |
| Loan and lease loss provision to assets | 0.1191% | 2,829 |
| Net operating income to assets | 1.0761% | 2,052 |
| Return on assets (ROA) | 1.0761% | 2,180 |
| Pretax return on assets | 1.3575% | 1,843 |
| Return on Equity (ROE) | 9.9178% | 2,010 |
| Retained earnings to average equity (ytd only) | 1.9788% | 3,765 |
| Net charge-offs to loans | 0.0408% | 1,926 |
| Credit loss provision to net charge-offs | 425.3846% | 1,351 |
| Earnings coverage of net charge-offs (x) | 52.7462% | 1,064 |
| Efficiency ratio | 66.9650% | 2,385 |
| Assets per employee ($millions) | 4.6362% | 3,610 |
| Cash dividends to net income (ytd only)* | 80.0480% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,796 |
| Loan loss allowance to noncurrent loans | 84.2973% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 976 |
| Noncurrent loans to loans | 1.5967% | 924 |
| Net loans and leases to total assets | 65.9728% | 2,633 |
| Net loans and leases to deposits | 74.4124% | 3,036 |
| Net loans and leases to core deposits | 76.3315% | 3,259 |
| Total domestic deposits to total assets | 88.6584% | 884 |
| Equity capital to assets | 10.4242% | 2,815 |
| Core capital (leverage) ratio | 8.8126% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0884% | 1,466 |
| Memoranda: | ||
| Average total assets | $928,735,000 | 917 |
| Average earning assets | $852,543,333 | 919 |
| Average equity | $100,768,667 | 940 |
| Average total loans | $636,807,000 | 919 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 2,032 |
| Cost of funding earning assets | 0.2546% | 4,762 |
| Net interest margin | 4.3342% | 711 |
| Noninterest income to average assets | 0.7071% | 1,628 |
| Noninterest expense to average assets | 3.0734% | 1,709 |
| Loan and lease loss provision to assets | 0.0701% | 2,861 |
| Net operating income to assets | 1.2120% | 1,476 |
| Return on assets (ROA) | 1.2120% | 1,590 |
| Pretax return on assets | 1.5292% | 1,234 |
| Return on Equity (ROE) | 10.9363% | 1,430 |
| Retained earnings to average equity (ytd only) | -1.0728% | 4,150 |
| Net charge-offs to loans | 0.0434% | 1,597 |
| Credit loss provision to net charge-offs | 232.3529% | 1,334 |
| Earnings coverage of net charge-offs (x) | 53.0147% | 860 |
| Efficiency ratio | 65.7268% | 3,006 |
| Assets per employee ($millions) | 4.2213% | 3,624 |
| Cash dividends to net income (ytd only)* | 109.8097% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,860 |
| Loan loss allowance to noncurrent loans | 127.5315% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 1,655 |
| Noncurrent loans to loans | 1.0666% | 1,558 |
| Net loans and leases to total assets | 68.0268% | 2,535 |
| Net loans and leases to deposits | 77.2434% | 2,947 |
| Net loans and leases to core deposits | 79.9919% | 3,196 |
| Total domestic deposits to total assets | 88.0681% | 1,081 |
| Equity capital to assets | 11.1301% | 2,749 |
| Core capital (leverage) ratio | 9.3869% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6051% | 1,713 |
| Memoranda: | ||
| Average total assets | $901,660,500 | 909 |
| Average earning assets | $824,977,500 | 914 |
| Average equity | $99,924,000 | 945 |
| Average total loans | $626,569,000 | 905 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 1,830 |
| Cost of funding earning assets | 0.2267% | 4,902 |
| Net interest margin | 4.6475% | 528 |
| Noninterest income to average assets | 0.7296% | 1,708 |
| Noninterest expense to average assets | 3.2984% | 1,300 |
| Loan and lease loss provision to assets | 0.0901% | 2,221 |
| Net operating income to assets | 1.2522% | 1,864 |
| Return on assets (ROA) | 1.2525% | 1,946 |
| Pretax return on assets | 1.5848% | 1,527 |
| Return on Equity (ROE) | 11.4644% | 1,706 |
| Retained earnings to average equity (ytd only) | 5.1710% | 2,324 |
| Net charge-offs to loans | 0.0438% | 2,513 |
| Credit loss provision to net charge-offs | 288.9706% | 969 |
| Earnings coverage of net charge-offs (x) | 53.7243% | 1,068 |
| Efficiency ratio | 66.2596% | 2,732 |
| Assets per employee ($millions) | 4.2252% | 3,604 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,733 |
| Loan loss allowance to noncurrent loans | 255.3501% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 2,595 |
| Noncurrent loans to loans | 0.5260% | 2,606 |
| Net loans and leases to total assets | 69.0828% | 2,534 |
| Net loans and leases to deposits | 78.3536% | 2,970 |
| Net loans and leases to core deposits | 81.1351% | 3,205 |
| Total domestic deposits to total assets | 88.1680% | 1,051 |
| Equity capital to assets | 11.0337% | 2,962 |
| Core capital (leverage) ratio | 9.3387% | 4,240 |
| Tier 1 risk-based capital ratio | 14.4334% | 3,057 |
| Total risk-based capital ratio | 15.6860% | 2,952 |
| Memoranda: | ||
| Average total assets | $872,641,200 | 902 |
| Average earning assets | $796,758,400 | 913 |
| Average equity | $95,338,800 | 934 |
| Average total loans | $621,662,600 | 887 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 1,886 |
| Cost of funding earning assets | 0.2120% | 5,014 |
| Net interest margin | 4.6647% | 533 |
| Noninterest income to average assets | 0.7343% | 1,649 |
| Noninterest expense to average assets | 3.2973% | 1,273 |
| Loan and lease loss provision to assets | 0.0564% | 2,770 |
| Net operating income to assets | 1.2974% | 1,871 |
| Return on assets (ROA) | 1.2974% | 1,956 |
| Pretax return on assets | 1.6414% | 1,491 |
| Return on Equity (ROE) | 11.9053% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.8482% | 2,963 |
| Net charge-offs to loans | 0.0436% | 2,222 |
| Credit loss provision to net charge-offs | 180.7882% | 1,421 |
| Earnings coverage of net charge-offs (x) | 54.3793% | 1,129 |
| Efficiency ratio | 65.9390% | 2,734 |
| Assets per employee ($millions) | 4.2346% | 3,570 |
| Cash dividends to net income (ytd only)* | 59.2768% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 1,998 |
| Loan loss allowance to noncurrent loans | 237.2612% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 2,673 |
| Noncurrent loans to loans | 0.5446% | 2,663 |
| Net loans and leases to total assets | 68.7066% | 2,670 |
| Net loans and leases to deposits | 77.7672% | 3,121 |
| Net loans and leases to core deposits | 80.4598% | 3,357 |
| Total domestic deposits to total assets | 88.3490% | 897 |
| Equity capital to assets | 10.8583% | 3,242 |
| Core capital (leverage) ratio | 9.2709% | 4,400 |
| Tier 1 risk-based capital ratio | 14.1693% | 3,241 |
| Total risk-based capital ratio | 15.4213% | 3,146 |
| Memoranda: | ||
| Average total assets | $866,867,250 | 904 |
| Average earning assets | $791,830,750 | 912 |
| Average equity | $94,465,250 | 943 |
| Average total loans | $620,272,250 | 888 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 1,835 |
| Cost of funding earning assets | 0.1917% | 5,088 |
| Net interest margin | 4.6831% | 508 |
| Noninterest income to average assets | 0.7399% | 1,560 |
| Noninterest expense to average assets | 3.3372% | 1,218 |
| Loan and lease loss provision to assets | 0.0628% | 2,565 |
| Net operating income to assets | 1.2818% | 1,845 |
| Return on assets (ROA) | 1.2818% | 1,903 |
| Pretax return on assets | 1.6230% | 1,476 |
| Return on Equity (ROE) | 11.7482% | 1,676 |
| Retained earnings to average equity (ytd only) | 3.1885% | 3,633 |
| Net charge-offs to loans | 0.0598% | 1,791 |
| Credit loss provision to net charge-offs | 145.4054% | 1,528 |
| Earnings coverage of net charge-offs (x) | 39.0270% | 1,263 |
| Efficiency ratio | 66.3645% | 2,767 |
| Assets per employee ($millions) | 4.0585% | 3,792 |
| Cash dividends to net income (ytd only)* | 72.8597% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,100 |
| Loan loss allowance to noncurrent loans | 272.0899% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 2,817 |
| Noncurrent loans to loans | 0.4703% | 2,869 |
| Net loans and leases to total assets | 71.0079% | 2,382 |
| Net loans and leases to deposits | 80.4907% | 2,896 |
| Net loans and leases to core deposits | 83.3576% | 3,169 |
| Total domestic deposits to total assets | 88.2188% | 999 |
| Equity capital to assets | 10.9452% | 3,126 |
| Core capital (leverage) ratio | 9.3338% | 4,329 |
| Tier 1 risk-based capital ratio | 13.7818% | 3,436 |
| Total risk-based capital ratio | 15.0335% | 3,325 |
| Memoranda: | ||
| Average total assets | $856,580,000 | 910 |
| Average earning assets | $783,420,670 | 919 |
| Average equity | $93,461,000 | 945 |
| Average total loans | $618,738,670 | 894 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,746 |
| Cost of funding earning assets | 0.1781% | 5,163 |
| Net interest margin | 4.6765% | 521 |
| Noninterest income to average assets | 0.6936% | 1,636 |
| Noninterest expense to average assets | 3.2781% | 1,332 |
| Loan and lease loss provision to assets | 0.0724% | 2,222 |
| Net operating income to assets | 1.2777% | 1,786 |
| Return on assets (ROA) | 1.2777% | 1,828 |
| Pretax return on assets | 1.6144% | 1,432 |
| Return on Equity (ROE) | 11.7288% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.4120% | 1,879 |
| Net charge-offs to loans | 0.0403% | 1,698 |
| Credit loss provision to net charge-offs | 248.3871% | 932 |
| Earnings coverage of net charge-offs (x) | 57.8548% | 931 |
| Efficiency ratio | 65.9405% | 2,947 |
| Assets per employee ($millions) | 3.9507% | 3,990 |
| Cash dividends to net income (ytd only)* | 36.8053% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,138 |
| Loan loss allowance to noncurrent loans | 214.5308% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 2,856 |
| Noncurrent loans to loans | 0.6011% | 2,535 |
| Net loans and leases to total assets | 71.1223% | 2,307 |
| Net loans and leases to deposits | 80.5550% | 2,776 |
| Net loans and leases to core deposits | 83.3522% | 3,075 |
| Total domestic deposits to total assets | 88.2903% | 1,196 |
| Equity capital to assets | 10.9140% | 2,938 |
| Core capital (leverage) ratio | 9.5476% | 4,075 |
| Tier 1 risk-based capital ratio | 13.8360% | 3,432 |
| Total risk-based capital ratio | 15.0878% | 3,345 |
| Memoranda: | ||
| Average total assets | $850,611,500 | 921 |
| Average earning assets | $776,898,000 | 928 |
| Average equity | $92,661,000 | 946 |
| Average total loans | $615,753,000 | 901 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,832 |
| Cost of funding earning assets | 0.1297% | 5,225 |
| Net interest margin | 4.5665% | 661 |
| Noninterest income to average assets | 0.7417% | 1,684 |
| Noninterest expense to average assets | 3.4228% | 1,114 |
| Loan and lease loss provision to assets | 0.0997% | 2,192 |
| Net operating income to assets | 1.1085% | 2,561 |
| Return on assets (ROA) | 1.0992% | 2,596 |
| Pretax return on assets | 1.3881% | 2,180 |
| Return on Equity (ROE) | 10.4316% | 2,333 |
| Retained earnings to average equity (ytd only) | 3.7547% | 3,507 |
| Net charge-offs to loans | 0.0685% | 2,137 |
| Credit loss provision to net charge-offs | 206.8127% | 1,396 |
| Earnings coverage of net charge-offs (x) | 31.1144% | 1,558 |
| Efficiency ratio | 69.4006% | 2,306 |
| Assets per employee ($millions) | 3.8709% | 4,070 |
| Cash dividends to net income (ytd only)* | 64.0068% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,063 |
| Loan loss allowance to noncurrent loans | 252.1517% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,044 |
| Noncurrent loans to loans | 0.5134% | 2,741 |
| Net loans and leases to total assets | 71.7944% | 2,299 |
| Net loans and leases to deposits | 81.3406% | 2,808 |
| Net loans and leases to core deposits | 84.0443% | 3,087 |
| Total domestic deposits to total assets | 88.2639% | 1,173 |
| Equity capital to assets | 10.8724% | 2,819 |
| Core capital (leverage) ratio | 9.2081% | 4,447 |
| Tier 1 risk-based capital ratio | 13.5958% | 3,500 |
| Total risk-based capital ratio | 14.8474% | 3,405 |
| Memoranda: | ||
| Average total assets | $852,807,000 | 893 |
| Average earning assets | $780,752,000 | 902 |
| Average equity | $89,861,800 | 935 |
| Average total loans | $599,810,400 | 896 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,966 |
| Cost of funding earning assets | 0.1238% | 5,292 |
| Net interest margin | 4.4807% | 770 |
| Noninterest income to average assets | 0.7280% | 1,756 |
| Noninterest expense to average assets | 3.2729% | 1,363 |
| Loan and lease loss provision to assets | 0.1047% | 1,919 |
| Net operating income to assets | 1.1585% | 2,416 |
| Return on assets (ROA) | 1.1462% | 2,466 |
| Pretax return on assets | 1.4439% | 2,079 |
| Return on Equity (ROE) | 10.9634% | 2,195 |
| Retained earnings to average equity (ytd only) | 3.5144% | 4,018 |
| Net charge-offs to loans | 0.0717% | 1,811 |
| Credit loss provision to net charge-offs | 209.3458% | 1,334 |
| Earnings coverage of net charge-offs (x) | 31.2834% | 1,571 |
| Efficiency ratio | 67.5221% | 2,624 |
| Assets per employee ($millions) | 3.9839% | 3,913 |
| Cash dividends to net income (ytd only)* | 67.9440% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,214 |
| Loan loss allowance to noncurrent loans | 296.6250% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,439 |
| Noncurrent loans to loans | 0.4301% | 3,115 |
| Net loans and leases to total assets | 70.9898% | 2,493 |
| Net loans and leases to deposits | 80.1502% | 3,026 |
| Net loans and leases to core deposits | 82.8608% | 3,263 |
| Total domestic deposits to total assets | 88.5710% | 1,013 |
| Equity capital to assets | 10.5119% | 3,130 |
| Core capital (leverage) ratio | 9.1080% | 4,607 |
| Tier 1 risk-based capital ratio | 13.3922% | 3,684 |
| Total risk-based capital ratio | 14.6437% | 3,606 |
| Memoranda: | ||
| Average total assets | $856,014,250 | 888 |
| Average earning assets | $785,010,750 | 892 |
| Average equity | $89,495,750 | 937 |
| Average total loans | $597,021,250 | 899 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,956 |
| Cost of funding earning assets | 0.1247% | 5,331 |
| Net interest margin | 4.4166% | 821 |
| Noninterest income to average assets | 0.7219% | 1,780 |
| Noninterest expense to average assets | 3.2019% | 1,533 |
| Loan and lease loss provision to assets | 0.1211% | 1,630 |
| Net operating income to assets | 1.1505% | 2,393 |
| Return on assets (ROA) | 1.1321% | 2,476 |
| Pretax return on assets | 1.4256% | 2,067 |
| Return on Equity (ROE) | 10.8480% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.3764% | 2,371 |
| Net charge-offs to loans | 0.0723% | 1,612 |
| Credit loss provision to net charge-offs | 242.5234% | 1,166 |
| Earnings coverage of net charge-offs (x) | 31.4439% | 1,457 |
| Efficiency ratio | 66.9470% | 2,834 |
| Assets per employee ($millions) | 3.9844% | 3,922 |
| Cash dividends to net income (ytd only)* | 41.2201% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,113 |
| Loan loss allowance to noncurrent loans | 358.8371% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,746 |
| Noncurrent loans to loans | 0.3653% | 3,384 |
| Net loans and leases to total assets | 68.6682% | 2,769 |
| Net loans and leases to deposits | 77.5737% | 3,195 |
| Net loans and leases to core deposits | 80.2153% | 3,400 |
| Total domestic deposits to total assets | 88.5199% | 1,134 |
| Equity capital to assets | 10.5965% | 3,031 |
| Core capital (leverage) ratio | 9.0703% | 4,618 |
| Tier 1 risk-based capital ratio | 14.0705% | 3,322 |
| Total risk-based capital ratio | 15.3226% | 3,240 |
| Memoranda: | ||
| Average total assets | $857,166,000 | 889 |
| Average earning assets | $786,043,000 | 891 |
| Average equity | $89,454,330 | 934 |
| Average total loans | $591,677,670 | 904 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 2,218 |
| Cost of funding earning assets | 0.1360% | 5,333 |
| Net interest margin | 4.2576% | 1,028 |
| Noninterest income to average assets | 0.6837% | 1,897 |
| Noninterest expense to average assets | 3.1314% | 1,737 |
| Loan and lease loss provision to assets | 0.0712% | 2,337 |
| Net operating income to assets | 1.1026% | 2,407 |
| Return on assets (ROA) | 1.0654% | 2,594 |
| Pretax return on assets | 1.3395% | 2,219 |
| Return on Equity (ROE) | 10.2869% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.7929% | 2,815 |
| Net charge-offs to loans | 0.0711% | 1,411 |
| Credit loss provision to net charge-offs | 145.7143% | 1,249 |
| Earnings coverage of net charge-offs (x) | 29.8190% | 1,243 |
| Efficiency ratio | 68.0596% | 2,827 |
| Assets per employee ($millions) | 4.1426% | 3,740 |
| Cash dividends to net income (ytd only)* | 43.6872% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,435 |
| Loan loss allowance to noncurrent loans | 314.8660% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,773 |
| Noncurrent loans to loans | 0.4014% | 3,344 |
| Net loans and leases to total assets | 67.5171% | 2,820 |
| Net loans and leases to deposits | 76.1332% | 3,200 |
| Net loans and leases to core deposits | 78.9771% | 3,405 |
| Total domestic deposits to total assets | 88.6828% | 1,266 |
| Equity capital to assets | 10.2328% | 3,357 |
| Core capital (leverage) ratio | 9.0851% | 4,582 |
| Tier 1 risk-based capital ratio | 13.6600% | 3,568 |
| Total risk-based capital ratio | 14.9113% | 3,474 |
| Memoranda: | ||
| Average total assets | $859,423,000 | 890 |
| Average earning assets | $788,245,500 | 893 |
| Average equity | $89,006,000 | 942 |
| Average total loans | $590,878,000 | 907 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 2,127 |
| Cost of funding earning assets | 0.1537% | 5,241 |
| Net interest margin | 4.2122% | 1,165 |
| Noninterest income to average assets | 0.6976% | 1,977 |
| Noninterest expense to average assets | 3.1540% | 1,712 |
| Loan and lease loss provision to assets | 0.1321% | 1,737 |
| Net operating income to assets | 0.8756% | 2,835 |
| Return on assets (ROA) | 0.8726% | 2,872 |
| Pretax return on assets | 1.2771% | 2,444 |
| Return on Equity (ROE) | 8.5612% | 2,511 |
| Retained earnings to average equity (ytd only) | 4.0050% | 2,794 |
| Net charge-offs to loans | 0.0184% | 3,489 |
| Credit loss provision to net charge-offs | 1,094.2308% | 329 |
| Earnings coverage of net charge-offs (x) | 117.0769% | 577 |
| Efficiency ratio | 68.7578% | 2,751 |
| Assets per employee ($millions) | 4.0042% | 3,951 |
| Cash dividends to net income (ytd only)* | 53.2198% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,359 |
| Loan loss allowance to noncurrent loans | 271.7716% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,581 |
| Noncurrent loans to loans | 0.4684% | 3,100 |
| Net loans and leases to total assets | 68.2534% | 2,786 |
| Net loans and leases to deposits | 77.1841% | 3,208 |
| Net loans and leases to core deposits | 79.4818% | 3,458 |
| Total domestic deposits to total assets | 88.4294% | 1,285 |
| Equity capital to assets | 10.4832% | 3,187 |
| Core capital (leverage) ratio | 8.8498% | 4,808 |
| Tier 1 risk-based capital ratio | 13.4980% | 3,627 |
| Total risk-based capital ratio | 14.7494% | 3,536 |
| Memoranda: | ||
| Average total assets | $861,293,400 | 866 |
| Average earning assets | $791,336,200 | 872 |
| Average equity | $87,791,200 | 924 |
| Average total loans | $566,592,800 | 910 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,156 |
| Cost of funding earning assets | 0.1558% | 5,279 |
| Net interest margin | 4.1802% | 1,203 |
| Noninterest income to average assets | 0.6835% | 2,067 |
| Noninterest expense to average assets | 3.0811% | 1,852 |
| Loan and lease loss provision to assets | 0.1512% | 1,377 |
| Net operating income to assets | 0.8822% | 3,118 |
| Return on assets (ROA) | 0.8929% | 3,115 |
| Pretax return on assets | 1.3126% | 2,426 |
| Return on Equity (ROE) | 8.8220% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.2502% | 3,372 |
| Net charge-offs to loans | 0.0178% | 3,144 |
| Credit loss provision to net charge-offs | 1,306.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 125.1702% | 608 |
| Efficiency ratio | 67.7281% | 2,926 |
| Assets per employee ($millions) | 4.0528% | 3,896 |
| Cash dividends to net income (ytd only)* | 51.8224% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,460 |
| Loan loss allowance to noncurrent loans | 285.3478% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,869 |
| Noncurrent loans to loans | 0.4487% | 3,357 |
| Net loans and leases to total assets | 66.2030% | 3,077 |
| Net loans and leases to deposits | 75.1121% | 3,459 |
| Net loans and leases to core deposits | 77.8286% | 3,655 |
| Total domestic deposits to total assets | 88.1389% | 1,288 |
| Equity capital to assets | 10.4616% | 3,411 |
| Core capital (leverage) ratio | 8.7136% | 5,046 |
| Tier 1 risk-based capital ratio | 13.5851% | 3,645 |
| Total risk-based capital ratio | 14.8363% | 3,569 |
| Memoranda: | ||
| Average total assets | $864,393,750 | 867 |
| Average earning assets | $795,221,750 | 869 |
| Average equity | $87,491,250 | 930 |
| Average total loans | $561,523,750 | 917 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 2,503 |
| Cost of funding earning assets | 0.1562% | 5,297 |
| Net interest margin | 4.0351% | 1,498 |
| Noninterest income to average assets | 0.6721% | 2,115 |
| Noninterest expense to average assets | 3.0447% | 1,994 |
| Loan and lease loss provision to assets | 0.0906% | 2,168 |
| Net operating income to assets | 0.8510% | 3,149 |
| Return on assets (ROA) | 0.8600% | 3,166 |
| Pretax return on assets | 1.2600% | 2,533 |
| Return on Equity (ROE) | 8.5910% | 2,726 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,335 |
| Net charge-offs to loans | 0.0369% | 2,458 |
| Credit loss provision to net charge-offs | 381.5534% | 809 |
| Earnings coverage of net charge-offs (x) | 56.3204% | 991 |
| Efficiency ratio | 69.1535% | 2,820 |
| Assets per employee ($millions) | 4.1147% | 3,762 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,146 |
| Loan loss allowance to noncurrent loans | 225.2092% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,736 |
| Noncurrent loans to loans | 0.5232% | 3,186 |
| Net loans and leases to total assets | 64.6754% | 3,292 |
| Net loans and leases to deposits | 73.0958% | 3,637 |
| Net loans and leases to core deposits | 75.5791% | 3,812 |
| Total domestic deposits to total assets | 88.4802% | 1,214 |
| Equity capital to assets | 10.1557% | 3,728 |
| Core capital (leverage) ratio | 8.4579% | 5,245 |
| Tier 1 risk-based capital ratio | 13.3546% | 3,774 |
| Total risk-based capital ratio | 14.5926% | 3,701 |
| Memoranda: | ||
| Average total assets | $867,479,330 | 872 |
| Average earning assets | $797,605,000 | 873 |
| Average equity | $86,834,670 | 942 |
| Average total loans | $557,542,330 | 923 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,537 |
| Cost of funding earning assets | 0.1593% | 5,307 |
| Net interest margin | 3.9742% | 1,541 |
| Noninterest income to average assets | 0.6691% | 2,095 |
| Noninterest expense to average assets | 3.0217% | 2,108 |
| Loan and lease loss provision to assets | 0.1036% | 1,844 |
| Net operating income to assets | 0.8203% | 3,124 |
| Return on assets (ROA) | 0.8203% | 3,181 |
| Pretax return on assets | 1.1999% | 2,593 |
| Return on Equity (ROE) | 8.2552% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.6018% | 3,640 |
| Net charge-offs to loans | 0.0349% | 2,084 |
| Credit loss provision to net charge-offs | 466.6667% | 592 |
| Earnings coverage of net charge-offs (x) | 58.7292% | 813 |
| Efficiency ratio | 69.4783% | 2,974 |
| Assets per employee ($millions) | 4.0689% | 3,901 |
| Cash dividends to net income (ytd only)* | 56.3698% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,191 |
| Loan loss allowance to noncurrent loans | 144.4833% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 3,120 |
| Noncurrent loans to loans | 0.8242% | 2,395 |
| Net loans and leases to total assets | 62.7237% | 3,440 |
| Net loans and leases to deposits | 70.7341% | 3,718 |
| Net loans and leases to core deposits | 73.7241% | 3,856 |
| Total domestic deposits to total assets | 88.6754% | 1,335 |
| Equity capital to assets | 9.9073% | 3,866 |
| Core capital (leverage) ratio | 8.4590% | 5,255 |
| Tier 1 risk-based capital ratio | 13.4742% | 3,792 |
| Total risk-based capital ratio | 14.7188% | 3,710 |
| Memoranda: | ||
| Average total assets | $865,064,500 | 877 |
| Average earning assets | $795,824,500 | 882 |
| Average equity | $85,957,500 | 951 |
| Average total loans | $550,865,500 | 934 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,328 |
| Cost of funding earning assets | 0.1939% | 5,078 |
| Net interest margin | 4.0514% | 1,489 |
| Noninterest income to average assets | 0.7320% | 2,027 |
| Noninterest expense to average assets | 3.0736% | 2,114 |
| Loan and lease loss provision to assets | 0.1435% | 1,745 |
| Net operating income to assets | 0.8339% | 3,135 |
| Return on assets (ROA) | 0.8494% | 3,182 |
| Pretax return on assets | 1.2424% | 2,503 |
| Return on Equity (ROE) | 8.3873% | 2,749 |
| Retained earnings to average equity (ytd only) | 3.7277% | 3,266 |
| Net charge-offs to loans | 0.0541% | 2,958 |
| Credit loss provision to net charge-offs | 422.2222% | 761 |
| Earnings coverage of net charge-offs (x) | 40.1181% | 1,173 |
| Efficiency ratio | 68.6104% | 3,147 |
| Assets per employee ($millions) | 3.9968% | 3,973 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 3,253 |
| Loan loss allowance to noncurrent loans | 140.4232% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 3,119 |
| Noncurrent loans to loans | 0.8390% | 2,426 |
| Net loans and leases to total assets | 63.1305% | 3,460 |
| Net loans and leases to deposits | 71.1440% | 3,797 |
| Net loans and leases to core deposits | 74.4374% | 3,886 |
| Total domestic deposits to total assets | 88.7363% | 1,243 |
| Equity capital to assets | 9.9665% | 3,758 |
| Core capital (leverage) ratio | 8.4113% | 5,354 |
| Tier 1 risk-based capital ratio | 13.5886% | 3,712 |
| Total risk-based capital ratio | 14.8236% | 3,627 |
| Memoranda: | ||
| Average total assets | $847,658,400 | 855 |
| Average earning assets | $775,110,400 | 871 |
| Average equity | $85,844,200 | 924 |
| Average total loans | $532,469,400 | 928 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,306 |
| Cost of funding earning assets | 0.2003% | 5,063 |
| Net interest margin | 4.0578% | 1,507 |
| Noninterest income to average assets | 0.7424% | 1,996 |
| Noninterest expense to average assets | 3.0697% | 2,099 |
| Loan and lease loss provision to assets | 0.1584% | 1,462 |
| Net operating income to assets | 0.8366% | 3,209 |
| Return on assets (ROA) | 0.8396% | 3,318 |
| Pretax return on assets | 1.2260% | 2,725 |
| Return on Equity (ROE) | 8.2577% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.6064% | 3,726 |
| Net charge-offs to loans | -0.0018% | 4,477 |
| Credit loss provision to net charge-offs | -14,357.1429% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2916% | 3,178 |
| Assets per employee ($millions) | 3.9490% | 4,048 |
| Cash dividends to net income (ytd only)* | 56.3274% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 3,289 |
| Loan loss allowance to noncurrent loans | 136.3941% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 3,196 |
| Noncurrent loans to loans | 0.8740% | 2,507 |
| Net loans and leases to total assets | 63.9592% | 3,408 |
| Net loans and leases to deposits | 72.8018% | 3,724 |
| Net loans and leases to core deposits | 76.2144% | 3,812 |
| Total domestic deposits to total assets | 87.8538% | 1,476 |
| Equity capital to assets | 10.3755% | 3,712 |
| Core capital (leverage) ratio | 8.3714% | 5,450 |
| Tier 1 risk-based capital ratio | 13.3104% | 3,974 |
| Total risk-based capital ratio | 14.5516% | 3,886 |
| Memoranda: | ||
| Average total assets | $845,746,250 | 857 |
| Average earning assets | $772,711,250 | 868 |
| Average equity | $85,994,250 | 928 |
| Average total loans | $528,987,500 | 931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,434 |
| Cost of funding earning assets | 0.2079% | 5,071 |
| Net interest margin | 4.0154% | 1,595 |
| Noninterest income to average assets | 0.7213% | 2,043 |
| Noninterest expense to average assets | 3.0488% | 2,213 |
| Loan and lease loss provision to assets | 0.1364% | 1,667 |
| Net operating income to assets | 0.8241% | 3,198 |
| Return on assets (ROA) | 0.8286% | 3,313 |
| Pretax return on assets | 1.2093% | 2,753 |
| Return on Equity (ROE) | 8.2054% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,655 |
| Net charge-offs to loans | 0.0076% | 3,424 |
| Credit loss provision to net charge-offs | 2,885.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 283.2000% | 243 |
| Efficiency ratio | 68.7284% | 3,207 |
| Assets per employee ($millions) | 3.8670% | 4,141 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,784 |
| Loan loss allowance to noncurrent loans | 203.6254% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 4,070 |
| Noncurrent loans to loans | 0.5550% | 3,402 |
| Net loans and leases to total assets | 62.3790% | 3,579 |
| Net loans and leases to deposits | 70.9137% | 3,900 |
| Net loans and leases to core deposits | 74.3490% | 3,951 |
| Total domestic deposits to total assets | 87.9647% | 1,451 |
| Equity capital to assets | 10.2329% | 3,935 |
| Core capital (leverage) ratio | 8.2220% | 5,591 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,920 |
| Total risk-based capital ratio | 14.6654% | 3,871 |
| Memoranda: | ||
| Average total assets | $845,963,670 | 859 |
| Average earning assets | $772,482,670 | 869 |
| Average equity | $85,431,330 | 928 |
| Average total loans | $522,971,330 | 938 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,229 |
| Cost of funding earning assets | 0.2123% | 5,081 |
| Net interest margin | 4.0599% | 1,450 |
| Noninterest income to average assets | 0.7516% | 1,813 |
| Noninterest expense to average assets | 3.0641% | 2,196 |
| Loan and lease loss provision to assets | 0.1607% | 1,292 |
| Net operating income to assets | 0.8462% | 3,005 |
| Return on assets (ROA) | 0.8549% | 3,094 |
| Pretax return on assets | 1.2485% | 2,513 |
| Return on Equity (ROE) | 8.5228% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.7958% | 3,597 |
| Net charge-offs to loans | 0.0597% | 1,909 |
| Credit loss provision to net charge-offs | 440.2597% | 663 |
| Earnings coverage of net charge-offs (x) | 38.2468% | 1,033 |
| Efficiency ratio | 67.7899% | 3,498 |
| Assets per employee ($millions) | 4.0190% | 3,915 |
| Cash dividends to net income (ytd only)* | 55.4631% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,912 |
| Loan loss allowance to noncurrent loans | 205.5199% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,224 |
| Noncurrent loans to loans | 0.5475% | 3,540 |
| Net loans and leases to total assets | 59.5152% | 3,844 |
| Net loans and leases to deposits | 67.4063% | 4,118 |
| Net loans and leases to core deposits | 70.8341% | 4,173 |
| Total domestic deposits to total assets | 88.2932% | 1,475 |
| Equity capital to assets | 10.0108% | 4,068 |
| Core capital (leverage) ratio | 8.3101% | 5,562 |
| Tier 1 risk-based capital ratio | 14.0145% | 3,685 |
| Total risk-based capital ratio | 15.1975% | 3,652 |
| Memoranda: | ||
| Average total assets | $843,580,500 | 865 |
| Average earning assets | $770,651,500 | 876 |
| Average equity | $84,620,000 | 937 |
| Average total loans | $516,085,500 | 946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,287 |
| Cost of funding earning assets | 0.2576% | 4,709 |
| Net interest margin | 4.0202% | 1,655 |
| Noninterest income to average assets | 0.7174% | 2,116 |
| Noninterest expense to average assets | 3.2079% | 1,951 |
| Loan and lease loss provision to assets | 0.0511% | 3,300 |
| Net operating income to assets | 0.7872% | 3,391 |
| Return on assets (ROA) | 0.7942% | 3,442 |
| Pretax return on assets | 1.1286% | 2,929 |
| Return on Equity (ROE) | 7.8136% | 3,060 |
| Retained earnings to average equity (ytd only) | -8.7507% | 6,016 |
| Net charge-offs to loans | 0.1172% | 2,203 |
| Credit loss provision to net charge-offs | 70.9516% | 3,111 |
| Earnings coverage of net charge-offs (x) | 16.2354% | 2,148 |
| Efficiency ratio | 71.8364% | 2,934 |
| Assets per employee ($millions) | 3.9393% | 4,049 |
| Cash dividends to net income (ytd only)* | 211.9927% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 4,255 |
| Loan loss allowance to noncurrent loans | 151.5127% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 3,820 |
| Noncurrent loans to loans | 0.7001% | 3,098 |
| Net loans and leases to total assets | 61.5237% | 3,624 |
| Net loans and leases to deposits | 69.7417% | 3,952 |
| Net loans and leases to core deposits | 73.2060% | 4,022 |
| Total domestic deposits to total assets | 88.2165% | 1,527 |
| Equity capital to assets | 10.0517% | 3,899 |
| Core capital (leverage) ratio | 8.2385% | 5,656 |
| Tier 1 risk-based capital ratio | 13.5873% | 3,960 |
| Total risk-based capital ratio | 14.6947% | 3,976 |
| Memoranda: | ||
| Average total assets | $831,482,400 | 839 |
| Average earning assets | $756,995,800 | 838 |
| Average equity | $84,519,200 | 904 |
| Average total loans | $511,095,600 | 914 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,454 |
| Cost of funding earning assets | 0.2658% | 4,715 |
| Net interest margin | 3.9708% | 1,800 |
| Noninterest income to average assets | 0.7177% | 2,155 |
| Noninterest expense to average assets | 3.1929% | 1,987 |
| Loan and lease loss provision to assets | 0.0562% | 3,067 |
| Net operating income to assets | 0.7663% | 3,607 |
| Return on assets (ROA) | 0.7744% | 3,649 |
| Pretax return on assets | 1.0945% | 3,254 |
| Return on Equity (ROE) | 7.5970% | 3,288 |
| Retained earnings to average equity (ytd only) | -12.8759% | 6,160 |
| Net charge-offs to loans | 0.1121% | 2,008 |
| Credit loss provision to net charge-offs | 81.7757% | 2,588 |
| Earnings coverage of net charge-offs (x) | 16.5818% | 2,106 |
| Efficiency ratio | 72.2830% | 2,829 |
| Assets per employee ($millions) | 3.8728% | 4,132 |
| Cash dividends to net income (ytd only)* | 269.4859% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,321 |
| Loan loss allowance to noncurrent loans | 144.9069% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 3,917 |
| Noncurrent loans to loans | 0.7475% | 3,088 |
| Net loans and leases to total assets | 61.4709% | 3,674 |
| Net loans and leases to deposits | 69.7281% | 4,016 |
| Net loans and leases to core deposits | 73.2791% | 4,078 |
| Total domestic deposits to total assets | 88.1580% | 1,474 |
| Equity capital to assets | 10.0017% | 4,142 |
| Core capital (leverage) ratio | 8.2595% | 5,740 |
| Tier 1 risk-based capital ratio | 13.3943% | 4,198 |
| Total risk-based capital ratio | 14.5271% | 4,194 |
| Memoranda: | ||
| Average total assets | $830,567,500 | 845 |
| Average earning assets | $756,031,500 | 844 |
| Average equity | $84,662,500 | 908 |
| Average total loans | $509,039,750 | 917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,767 |
| Cost of funding earning assets | 0.2804% | 4,609 |
| Net interest margin | 4.1457% | 1,236 |
| Noninterest income to average assets | 0.7538% | 1,980 |
| Noninterest expense to average assets | 3.3608% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8011% | 3,380 |
| Return on assets (ROA) | 0.8011% | 3,473 |
| Pretax return on assets | 1.1439% | 2,993 |
| Return on Equity (ROE) | 7.6766% | 3,219 |
| Retained earnings to average equity (ytd only) | -28.9457% | 6,298 |
| Net charge-offs to loans | 0.1592% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.5804% | 2,282 |
| Efficiency ratio | 74.6068% | 2,594 |
| Assets per employee ($millions) | 3.6066% | 4,615 |
| Cash dividends to net income (ytd only)* | 477.0642% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 3,403 |
| Loan loss allowance to noncurrent loans | 173.8862% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 4,079 |
| Noncurrent loans to loans | 0.7300% | 3,290 |
| Net loans and leases to total assets | 61.6613% | 3,603 |
| Net loans and leases to deposits | 69.5523% | 3,978 |
| Net loans and leases to core deposits | 72.2105% | 4,109 |
| Total domestic deposits to total assets | 88.6546% | 1,326 |
| Equity capital to assets | 10.0503% | 3,981 |
| Core capital (leverage) ratio | 7.9541% | 5,953 |
| Tier 1 risk-based capital ratio | 12.4317% | 4,859 |
| Total risk-based capital ratio | 13.6817% | 4,772 |
| Memoranda: | ||
| Average total assets | $680,318,330 | 1,024 |
| Average earning assets | $615,526,670 | 1,034 |
| Average equity | $70,995,000 | 1,083 |
| Average total loans | $422,132,000 | 1,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 2,877 |
| Cost of funding earning assets | 0.2842% | 4,619 |
| Net interest margin | 3.8059% | 2,209 |
| Noninterest income to average assets | 0.7131% | 2,110 |
| Noninterest expense to average assets | 3.3440% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5778% | 4,370 |
| Return on assets (ROA) | 0.5778% | 4,475 |
| Pretax return on assets | 0.8114% | 4,189 |
| Return on Equity (ROE) | 5.4379% | 4,315 |
| Retained earnings to average equity (ytd only) | -66.1864% | 6,396 |
| Net charge-offs to loans | 0.0842% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.5730% | 1,616 |
| Efficiency ratio | 80.4734% | 1,834 |
| Assets per employee ($millions) | 3.6349% | 4,650 |
| Cash dividends to net income (ytd only)* | 1,317.1226% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,265 |
| Loan loss allowance to noncurrent loans | 152.1349% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,857 |
| Noncurrent loans to loans | 0.8722% | 3,066 |
| Net loans and leases to total assets | 60.8764% | 3,541 |
| Net loans and leases to deposits | 68.3650% | 3,920 |
| Net loans and leases to core deposits | 71.0623% | 4,057 |
| Total domestic deposits to total assets | 89.0461% | 1,232 |
| Equity capital to assets | 9.7838% | 4,403 |
| Core capital (leverage) ratio | 7.5730% | 6,121 |
| Tier 1 risk-based capital ratio | 12.0836% | 5,181 |
| Total risk-based capital ratio | 13.3343% | 5,090 |
| Memoranda: | ||
| Average total assets | $683,258,500 | 1,019 |
| Average earning assets | $617,983,000 | 1,035 |
| Average equity | $72,601,000 | 1,060 |
| Average total loans | $422,591,000 | 1,086 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,682 |
| Cost of funding earning assets | 0.3073% | 4,716 |
| Net interest margin | 3.9727% | 1,966 |
| Noninterest income to average assets | 1.1198% | 974 |
| Noninterest expense to average assets | 3.3309% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8889% | 2,927 |
| Return on assets (ROA) | 0.9144% | 2,900 |
| Pretax return on assets | 1.4147% | 1,837 |
| Return on Equity (ROE) | 8.0374% | 3,117 |
| Retained earnings to average equity (ytd only) | -1.6634% | 5,979 |
| Net charge-offs to loans | -0.0883% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7751% | 3,422 |
| Assets per employee ($millions) | 3.7331% | 4,470 |
| Cash dividends to net income (ytd only)* | 120.6952% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 3,222 |
| Loan loss allowance to noncurrent loans | 180.9873% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 4,246 |
| Noncurrent loans to loans | 0.7413% | 3,465 |
| Net loans and leases to total assets | 61.1719% | 3,615 |
| Net loans and leases to deposits | 69.9912% | 3,908 |
| Net loans and leases to core deposits | 72.8346% | 4,042 |
| Total domestic deposits to total assets | 87.3995% | 2,083 |
| Equity capital to assets | 11.4678% | 2,456 |
| Core capital (leverage) ratio | 9.4501% | 4,308 |
| Tier 1 risk-based capital ratio | 15.2101% | 3,370 |
| Total risk-based capital ratio | 16.4617% | 3,324 |
| Memoranda: | ||
| Average total assets | $679,571,000 | 981 |
| Average earning assets | $613,505,800 | 1,000 |
| Average equity | $77,313,200 | 949 |
| Average total loans | $424,698,600 | 1,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,668 |
| Cost of funding earning assets | 0.3110% | 4,769 |
| Net interest margin | 3.9810% | 1,935 |
| Noninterest income to average assets | 1.2563% | 766 |
| Noninterest expense to average assets | 3.2954% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9882% | 2,508 |
| Return on assets (ROA) | 1.0163% | 2,436 |
| Pretax return on assets | 1.5988% | 1,327 |
| Return on Equity (ROE) | 8.9509% | 2,718 |
| Retained earnings to average equity (ytd only) | -4.0264% | 6,210 |
| Net charge-offs to loans | -0.1989% | 6,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9412% | 3,866 |
| Assets per employee ($millions) | 3.7088% | 4,473 |
| Cash dividends to net income (ytd only)* | 144.9836% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 3,163 |
| Loan loss allowance to noncurrent loans | 156.4096% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 4,028 |
| Noncurrent loans to loans | 0.8965% | 3,325 |
| Net loans and leases to total assets | 62.9398% | 3,352 |
| Net loans and leases to deposits | 72.2527% | 3,662 |
| Net loans and leases to core deposits | 75.2810% | 3,829 |
| Total domestic deposits to total assets | 87.1107% | 2,256 |
| Equity capital to assets | 11.5756% | 2,412 |
| Core capital (leverage) ratio | 9.4110% | 4,498 |
| Tier 1 risk-based capital ratio | 14.9872% | 3,600 |
| Total risk-based capital ratio | 16.2394% | 3,521 |
| Memoranda: | ||
| Average total assets | $678,673,000 | 995 |
| Average earning assets | $612,691,250 | 1,007 |
| Average equity | $77,055,500 | 959 |
| Average total loans | $424,976,500 | 1,034 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,899 |
| Cost of funding earning assets | 0.3131% | 4,848 |
| Net interest margin | 3.9010% | 2,162 |
| Noninterest income to average assets | 1.0840% | 1,015 |
| Noninterest expense to average assets | 3.1957% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8624% | 2,994 |
| Return on assets (ROA) | 0.8988% | 2,913 |
| Pretax return on assets | 1.4631% | 1,663 |
| Return on Equity (ROE) | 7.9663% | 3,114 |
| Retained earnings to average equity (ytd only) | -4.9997% | 6,236 |
| Net charge-offs to loans | 0.0644% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 35.0876% | 1,156 |
| Efficiency ratio | 69.4406% | 3,751 |
| Assets per employee ($millions) | 3.6696% | 4,506 |
| Cash dividends to net income (ytd only)* | 162.7604% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 4,345 |
| Loan loss allowance to noncurrent loans | 119.6714% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 3,912 |
| Noncurrent loans to loans | 1.0173% | 3,200 |
| Net loans and leases to total assets | 62.8258% | 3,269 |
| Net loans and leases to deposits | 72.0449% | 3,560 |
| Net loans and leases to core deposits | 75.0594% | 3,728 |
| Total domestic deposits to total assets | 87.2037% | 2,346 |
| Equity capital to assets | 11.6086% | 2,318 |
| Core capital (leverage) ratio | 9.4659% | 4,377 |
| Tier 1 risk-based capital ratio | 15.0199% | 3,626 |
| Total risk-based capital ratio | 16.2650% | 3,580 |
| Memoranda: | ||
| Average total assets | $683,607,670 | 989 |
| Average earning assets | $616,503,330 | 1,006 |
| Average equity | $77,125,000 | 944 |
| Average total loans | $425,375,330 | 1,028 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,153 |
| Cost of funding earning assets | 0.3154% | 4,910 |
| Net interest margin | 3.8193% | 2,388 |
| Noninterest income to average assets | 1.4294% | 575 |
| Noninterest expense to average assets | 3.2938% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8913% | 2,695 |
| Return on assets (ROA) | 0.9539% | 2,459 |
| Pretax return on assets | 1.6862% | 1,002 |
| Return on Equity (ROE) | 8.5748% | 2,659 |
| Retained earnings to average equity (ytd only) | -17.4252% | 6,499 |
| Net charge-offs to loans | 0.0611% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 42.2462% | 848 |
| Efficiency ratio | 67.4645% | 4,280 |
| Assets per employee ($millions) | 3.4409% | 5,055 |
| Cash dividends to net income (ytd only)* | 303.2141% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,391 |
| Loan loss allowance to noncurrent loans | 65.7759% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 2,807 |
| Noncurrent loans to loans | 1.8975% | 2,005 |
| Net loans and leases to total assets | 60.8905% | 3,416 |
| Net loans and leases to deposits | 69.3989% | 3,676 |
| Net loans and leases to core deposits | 72.3384% | 3,839 |
| Total domestic deposits to total assets | 87.7399% | 2,394 |
| Equity capital to assets | 11.0743% | 2,658 |
| Core capital (leverage) ratio | 8.9065% | 5,129 |
| Tier 1 risk-based capital ratio | 14.6106% | 3,939 |
| Total risk-based capital ratio | 15.8608% | 3,889 |
| Memoranda: | ||
| Average total assets | $691,482,000 | 983 |
| Average earning assets | $625,140,000 | 995 |
| Average equity | $76,923,000 | 950 |
| Average total loans | $425,683,500 | 1,036 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 2,801 |
| Cost of funding earning assets | 0.4037% | 4,610 |
| Net interest margin | 3.9382% | 2,143 |
| Noninterest income to average assets | 0.7456% | 2,312 |
| Noninterest expense to average assets | 3.1747% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7908% | 3,335 |
| Return on assets (ROA) | 0.8313% | 3,214 |
| Pretax return on assets | 1.2098% | 2,536 |
| Return on Equity (ROE) | 7.4909% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.9353% | 3,407 |
| Net charge-offs to loans | 0.1281% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.8509% | 1,915 |
| Efficiency ratio | 73.3907% | 3,234 |
| Assets per employee ($millions) | 3.5083% | 4,887 |
| Cash dividends to net income (ytd only)* | 47.4657% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,494 |
| Loan loss allowance to noncurrent loans | 72.5632% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 3,212 |
| Noncurrent loans to loans | 1.6961% | 2,368 |
| Net loans and leases to total assets | 60.7084% | 3,590 |
| Net loans and leases to deposits | 69.1011% | 3,896 |
| Net loans and leases to core deposits | 72.1674% | 4,048 |
| Total domestic deposits to total assets | 87.8545% | 2,267 |
| Equity capital to assets | 11.1730% | 2,450 |
| Core capital (leverage) ratio | 9.0505% | 4,928 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,948 |
| Total risk-based capital ratio | 15.7269% | 3,908 |
| Memoranda: | ||
| Average total assets | $709,610,400 | 934 |
| Average earning assets | $645,098,400 | 940 |
| Average equity | $78,748,400 | 906 |
| Average total loans | $429,270,800 | 999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,911 |
| Cost of funding earning assets | 0.4239% | 4,567 |
| Net interest margin | 3.8944% | 2,295 |
| Noninterest income to average assets | 0.6985% | 2,618 |
| Noninterest expense to average assets | 3.1200% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7709% | 3,506 |
| Return on assets (ROA) | 0.8201% | 3,375 |
| Pretax return on assets | 1.1937% | 2,729 |
| Return on Equity (ROE) | 7.4025% | 3,434 |
| Retained earnings to average equity (ytd only) | 2.6671% | 4,722 |
| Net charge-offs to loans | 0.1235% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.0882% | 1,890 |
| Efficiency ratio | 73.5447% | 3,135 |
| Assets per employee ($millions) | 3.5781% | 4,695 |
| Cash dividends to net income (ytd only)* | 63.9708% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,533 |
| Loan loss allowance to noncurrent loans | 66.2100% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 3,217 |
| Noncurrent loans to loans | 1.9200% | 2,339 |
| Net loans and leases to total assets | 59.5638% | 3,766 |
| Net loans and leases to deposits | 67.5517% | 4,115 |
| Net loans and leases to core deposits | 70.6448% | 4,248 |
| Total domestic deposits to total assets | 88.1752% | 2,014 |
| Equity capital to assets | 10.8125% | 2,943 |
| Core capital (leverage) ratio | 8.8275% | 5,365 |
| Tier 1 risk-based capital ratio | 14.1446% | 4,326 |
| Total risk-based capital ratio | 15.3942% | 4,272 |
| Memoranda: | ||
| Average total assets | $711,596,250 | 936 |
| Average earning assets | $647,550,000 | 941 |
| Average equity | $78,836,250 | 915 |
| Average total loans | $428,768,750 | 999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 3,121 |
| Cost of funding earning assets | 0.4461% | 4,471 |
| Net interest margin | 3.8134% | 2,502 |
| Noninterest income to average assets | 0.7056% | 2,605 |
| Noninterest expense to average assets | 3.1780% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6823% | 3,892 |
| Return on assets (ROA) | 0.7309% | 3,828 |
| Pretax return on assets | 1.0694% | 3,223 |
| Return on Equity (ROE) | 6.5448% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.5448% | 2,121 |
| Net charge-offs to loans | 0.1545% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.7251% | 2,130 |
| Efficiency ratio | 76.1023% | 2,772 |
| Assets per employee ($millions) | 3.5281% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,607 |
| Loan loss allowance to noncurrent loans | 69.7765% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 3,291 |
| Noncurrent loans to loans | 1.8337% | 2,590 |
| Net loans and leases to total assets | 60.4335% | 3,587 |
| Net loans and leases to deposits | 68.7704% | 3,896 |
| Net loans and leases to core deposits | 72.0433% | 4,030 |
| Total domestic deposits to total assets | 87.8772% | 2,335 |
| Equity capital to assets | 11.1944% | 2,555 |
| Core capital (leverage) ratio | 8.9236% | 5,111 |
| Tier 1 risk-based capital ratio | 14.4497% | 4,131 |
| Total risk-based capital ratio | 15.7000% | 4,094 |
| Memoranda: | ||
| Average total assets | $711,449,000 | 938 |
| Average earning assets | $647,456,000 | 934 |
| Average equity | $79,452,000 | 913 |
| Average total loans | $428,499,000 | 989 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,322 |
| Cost of funding earning assets | 0.4699% | 4,370 |
| Net interest margin | 3.7254% | 2,754 |
| Noninterest income to average assets | 0.6730% | 2,738 |
| Noninterest expense to average assets | 2.9923% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7288% | 3,546 |
| Return on assets (ROA) | 0.7677% | 3,487 |
| Pretax return on assets | 1.1249% | 2,863 |
| Return on Equity (ROE) | 6.8823% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.8823% | 2,212 |
| Net charge-offs to loans | 0.1303% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.7194% | 1,504 |
| Efficiency ratio | 73.7002% | 3,314 |
| Assets per employee ($millions) | 3.6148% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,570 |
| Loan loss allowance to noncurrent loans | 69.7779% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 3,410 |
| Noncurrent loans to loans | 1.9023% | 2,734 |
| Net loans and leases to total assets | 58.2218% | 3,756 |
| Net loans and leases to deposits | 66.2945% | 4,014 |
| Net loans and leases to core deposits | 69.7404% | 4,116 |
| Total domestic deposits to total assets | 87.8229% | 2,436 |
| Equity capital to assets | 10.9822% | 2,974 |
| Core capital (leverage) ratio | 8.7871% | 5,209 |
| Tier 1 risk-based capital ratio | 14.1904% | 4,372 |
| Total risk-based capital ratio | 15.4412% | 4,336 |
| Memoranda: | ||
| Average total assets | $714,362,500 | 945 |
| Average earning assets | $649,487,000 | 936 |
| Average equity | $79,683,000 | 921 |
| Average total loans | $426,769,000 | 1,000 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,397 |
| Cost of funding earning assets | 0.5750% | 4,589 |
| Net interest margin | 4.4866% | 969 |
| Noninterest income to average assets | 0.7872% | 2,317 |
| Noninterest expense to average assets | 3.1565% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1436% | 1,792 |
| Return on assets (ROA) | 1.1435% | 1,960 |
| Pretax return on assets | 1.6928% | 1,151 |
| Return on Equity (ROE) | 9.8014% | 2,258 |
| Retained earnings to average equity (ytd only) | 1.1298% | 5,310 |
| Net charge-offs to loans | 0.0979% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 28.9950% | 1,032 |
| Efficiency ratio | 65.0891% | 4,686 |
| Assets per employee ($millions) | 3.4927% | 5,022 |
| Cash dividends to net income (ytd only)* | 88.4732% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,235 |
| Loan loss allowance to noncurrent loans | 63.5841% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 3,240 |
| Noncurrent loans to loans | 2.1796% | 2,488 |
| Net loans and leases to total assets | 59.6723% | 3,657 |
| Net loans and leases to deposits | 68.2055% | 3,952 |
| Net loans and leases to core deposits | 71.7066% | 4,081 |
| Total domestic deposits to total assets | 87.4889% | 2,536 |
| Equity capital to assets | 11.3345% | 2,599 |
| Core capital (leverage) ratio | 8.8179% | 5,152 |
| Tier 1 risk-based capital ratio | 14.2997% | 4,166 |
| Total risk-based capital ratio | 15.5515% | 4,122 |
| Memoranda: | ||
| Average total assets | $691,915,400 | 952 |
| Average earning assets | $626,470,600 | 956 |
| Average equity | $80,723,200 | 866 |
| Average total loans | $412,753,600 | 1,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 1,664 |
| Cost of funding earning assets | 0.5953% | 4,697 |
| Net interest margin | 4.4195% | 1,164 |
| Noninterest income to average assets | 0.7974% | 2,255 |
| Noninterest expense to average assets | 3.1717% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1026% | 2,077 |
| Return on assets (ROA) | 1.1026% | 2,274 |
| Pretax return on assets | 1.6266% | 1,486 |
| Return on Equity (ROE) | 9.3829% | 2,644 |
| Retained earnings to average equity (ytd only) | 9.3829% | 1,100 |
| Net charge-offs to loans | 0.0842% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 32.5140% | 1,027 |
| Efficiency ratio | 66.1004% | 4,437 |
| Assets per employee ($millions) | 3.4208% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,341 |
| Loan loss allowance to noncurrent loans | 128.9858% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 4,696 |
| Noncurrent loans to loans | 1.0915% | 4,255 |
| Net loans and leases to total assets | 60.8384% | 3,602 |
| Net loans and leases to deposits | 70.4111% | 3,840 |
| Net loans and leases to core deposits | 74.3292% | 3,934 |
| Total domestic deposits to total assets | 86.4045% | 3,035 |
| Equity capital to assets | 12.1997% | 2,114 |
| Core capital (leverage) ratio | 9.7528% | 3,869 |
| Tier 1 risk-based capital ratio | 15.4382% | 3,573 |
| Total risk-based capital ratio | 16.6903% | 3,525 |
| Memoranda: | ||
| Average total assets | $690,260,750 | 964 |
| Average earning assets | $624,876,000 | 972 |
| Average equity | $81,110,250 | 867 |
| Average total loans | $410,269,750 | 1,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 2,475 |
| Cost of funding earning assets | 0.6072% | 4,839 |
| Net interest margin | 4.2008% | 1,750 |
| Noninterest income to average assets | 0.8200% | 2,096 |
| Noninterest expense to average assets | 3.1666% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9893% | 2,516 |
| Return on assets (ROA) | 0.9893% | 2,746 |
| Pretax return on assets | 1.4536% | 1,998 |
| Return on Equity (ROE) | 8.5275% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.5275% | 1,442 |
| Net charge-offs to loans | 0.1269% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.5136% | 1,436 |
| Efficiency ratio | 68.5383% | 4,033 |
| Assets per employee ($millions) | 3.3463% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 4,335 |
| Loan loss allowance to noncurrent loans | 100.0167% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 4,250 |
| Noncurrent loans to loans | 1.4311% | 3,772 |
| Net loans and leases to total assets | 60.2809% | 3,770 |
| Net loans and leases to deposits | 69.5687% | 3,962 |
| Net loans and leases to core deposits | 73.4128% | 4,109 |
| Total domestic deposits to total assets | 86.6494% | 2,982 |
| Equity capital to assets | 11.9405% | 2,192 |
| Core capital (leverage) ratio | 9.3552% | 4,363 |
| Tier 1 risk-based capital ratio | 14.9781% | 3,783 |
| Total risk-based capital ratio | 16.2304% | 3,730 |
| Memoranda: | ||
| Average total assets | $690,011,670 | 957 |
| Average earning assets | $624,208,670 | 967 |
| Average equity | $80,046,670 | 865 |
| Average total loans | $404,892,670 | 1,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 2,170 |
| Cost of funding earning assets | 0.6246% | 4,933 |
| Net interest margin | 4.2943% | 1,483 |
| Noninterest income to average assets | 1.0098% | 1,404 |
| Noninterest expense to average assets | 3.2121% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1393% | 1,924 |
| Return on assets (ROA) | 1.1393% | 2,109 |
| Pretax return on assets | 1.6803% | 1,359 |
| Return on Equity (ROE) | 9.9654% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.9654% | 1,275 |
| Net charge-offs to loans | 0.2012% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.5350% | 1,465 |
| Efficiency ratio | 65.6545% | 4,621 |
| Assets per employee ($millions) | 3.5229% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,983 |
| Loan loss allowance to noncurrent loans | 85.0568% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 4,110 |
| Noncurrent loans to loans | 1.8121% | 3,391 |
| Net loans and leases to total assets | 54.6872% | 4,601 |
| Net loans and leases to deposits | 62.7021% | 4,810 |
| Net loans and leases to core deposits | 65.8957% | 4,924 |
| Total domestic deposits to total assets | 87.2175% | 2,819 |
| Equity capital to assets | 11.2759% | 2,648 |
| Core capital (leverage) ratio | 9.0490% | 4,766 |
| Tier 1 risk-based capital ratio | 15.3403% | 3,532 |
| Total risk-based capital ratio | 16.5937% | 3,493 |
| Memoranda: | ||
| Average total assets | $692,017,500 | 955 |
| Average earning assets | $625,661,500 | 963 |
| Average equity | $79,114,000 | 874 |
| Average total loans | $397,573,000 | 1,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 4,122 |
| Cost of funding earning assets | 0.7370% | 5,293 |
| Net interest margin | 3.9932% | 2,918 |
| Noninterest income to average assets | 0.8772% | 1,752 |
| Noninterest expense to average assets | 3.1973% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8719% | 2,730 |
| Return on assets (ROA) | 0.8832% | 2,810 |
| Pretax return on assets | 1.3008% | 2,129 |
| Return on Equity (ROE) | 7.3124% | 3,239 |
| Retained earnings to average equity (ytd only) | -0.1888% | 5,879 |
| Net charge-offs to loans | 0.0973% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 22.3789% | 1,061 |
| Efficiency ratio | 71.3448% | 3,725 |
| Assets per employee ($millions) | 3.3297% | 5,432 |
| Cash dividends to net income (ytd only)* | 102.5816% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,759 |
| Loan loss allowance to noncurrent loans | 85.9456% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 4,145 |
| Noncurrent loans to loans | 1.8132% | 3,448 |
| Net loans and leases to total assets | 58.5236% | 4,278 |
| Net loans and leases to deposits | 69.0375% | 4,268 |
| Net loans and leases to core deposits | 73.1407% | 4,360 |
| Total domestic deposits to total assets | 84.7708% | 3,976 |
| Equity capital to assets | 11.5963% | 2,428 |
| Core capital (leverage) ratio | 8.9783% | 4,825 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,920 |
| Total risk-based capital ratio | 15.8270% | 3,894 |
| Memoranda: | ||
| Average total assets | $662,222,000 | 978 |
| Average earning assets | $597,711,800 | 980 |
| Average equity | $79,987,400 | 840 |
| Average total loans | $390,706,400 | 1,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 4,180 |
| Cost of funding earning assets | 0.7589% | 5,408 |
| Net interest margin | 4.0024% | 2,905 |
| Noninterest income to average assets | 0.8788% | 1,725 |
| Noninterest expense to average assets | 3.1841% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8858% | 2,796 |
| Return on assets (ROA) | 0.8875% | 2,947 |
| Pretax return on assets | 1.3110% | 2,253 |
| Return on Equity (ROE) | 7.2728% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.2728% | 1,823 |
| Net charge-offs to loans | 0.0821% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 27.0543% | 1,000 |
| Efficiency ratio | 70.8726% | 3,768 |
| Assets per employee ($millions) | 3.1946% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 3,571 |
| Loan loss allowance to noncurrent loans | 157.9038% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 5,235 |
| Noncurrent loans to loans | 1.0263% | 4,841 |
| Net loans and leases to total assets | 58.7789% | 4,360 |
| Net loans and leases to deposits | 69.5241% | 4,376 |
| Net loans and leases to core deposits | 73.8193% | 4,471 |
| Total domestic deposits to total assets | 84.5446% | 3,987 |
| Equity capital to assets | 12.6000% | 1,851 |
| Core capital (leverage) ratio | 9.8267% | 3,676 |
| Tier 1 risk-based capital ratio | 16.2127% | 3,009 |
| Total risk-based capital ratio | 17.4674% | 2,970 |
| Memoranda: | ||
| Average total assets | $658,794,500 | 990 |
| Average earning assets | $594,861,000 | 997 |
| Average equity | $80,388,500 | 837 |
| Average total loans | $387,922,500 | 1,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 4,241 |
| Cost of funding earning assets | 0.7679% | 5,575 |
| Net interest margin | 3.9942% | 2,864 |
| Noninterest income to average assets | 0.8812% | 1,712 |
| Noninterest expense to average assets | 3.1707% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8961% | 2,653 |
| Return on assets (ROA) | 0.8985% | 2,757 |
| Pretax return on assets | 1.3238% | 2,067 |
| Return on Equity (ROE) | 7.4449% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.4449% | 1,681 |
| Net charge-offs to loans | 0.0773% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 29.1477% | 947 |
| Efficiency ratio | 70.6038% | 4,008 |
| Assets per employee ($millions) | 3.1353% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 3,486 |
| Loan loss allowance to noncurrent loans | 135.9791% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 5,015 |
| Noncurrent loans to loans | 1.2149% | 4,633 |
| Net loans and leases to total assets | 59.2738% | 4,418 |
| Net loans and leases to deposits | 70.0618% | 4,426 |
| Net loans and leases to core deposits | 74.5040% | 4,508 |
| Total domestic deposits to total assets | 84.6022% | 4,076 |
| Equity capital to assets | 12.4680% | 1,798 |
| Core capital (leverage) ratio | 9.7897% | 3,535 |
| Tier 1 risk-based capital ratio | 16.0280% | 2,966 |
| Total risk-based capital ratio | 17.2832% | 2,924 |
| Memoranda: | ||
| Average total assets | $657,962,000 | 1,002 |
| Average earning assets | $594,614,670 | 1,004 |
| Average equity | $79,410,330 | 851 |
| Average total loans | $385,529,000 | 1,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 4,964 |
| Cost of funding earning assets | 0.7869% | 5,627 |
| Net interest margin | 3.8086% | 3,577 |
| Noninterest income to average assets | 0.9079% | 1,638 |
| Noninterest expense to average assets | 3.1746% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8015% | 3,027 |
| Return on assets (ROA) | 0.8032% | 3,082 |
| Pretax return on assets | 1.1748% | 2,466 |
| Return on Equity (ROE) | 6.7651% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.7651% | 2,252 |
| Net charge-offs to loans | 0.0220% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 92.2381% | 340 |
| Efficiency ratio | 73.0298% | 3,676 |
| Assets per employee ($millions) | 3.1589% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 3,317 |
| Loan loss allowance to noncurrent loans | 137.9662% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 5,114 |
| Noncurrent loans to loans | 1.2373% | 4,619 |
| Net loans and leases to total assets | 57.1999% | 4,763 |
| Net loans and leases to deposits | 67.9923% | 4,678 |
| Net loans and leases to core deposits | 72.1747% | 4,768 |
| Total domestic deposits to total assets | 84.1271% | 4,440 |
| Equity capital to assets | 11.8562% | 2,006 |
| Core capital (leverage) ratio | 9.5406% | 3,746 |
| Tier 1 risk-based capital ratio | 15.4523% | 3,177 |
| Total risk-based capital ratio | 16.7075% | 3,127 |
| Memoranda: | ||
| Average total assets | $660,871,500 | 1,006 |
| Average earning assets | $596,747,000 | 1,007 |
| Average equity | $78,461,000 | 854 |
| Average total loans | $381,772,000 | 1,152 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 3,974 |
| Cost of funding earning assets | 0.9346% | 6,008 |
| Net interest margin | 4.1917% | 2,218 |
| Noninterest income to average assets | 1.1264% | 1,166 |
| Noninterest expense to average assets | 3.2271% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1401% | 1,578 |
| Return on assets (ROA) | 1.1555% | 1,613 |
| Pretax return on assets | 1.7046% | 931 |
| Return on Equity (ROE) | 9.3865% | 2,149 |
| Retained earnings to average equity (ytd only) | -1.1199% | 5,821 |
| Net charge-offs to loans | 0.0710% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 40.3431% | 579 |
| Efficiency ratio | 65.7378% | 5,020 |
| Assets per employee ($millions) | 3.0762% | 5,930 |
| Cash dividends to net income (ytd only)* | 111.9305% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,964 |
| Loan loss allowance to noncurrent loans | 223.1855% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,707 |
| Noncurrent loans to loans | 0.7922% | 5,456 |
| Net loans and leases to total assets | 56.3216% | 5,289 |
| Net loans and leases to deposits | 66.2054% | 5,374 |
| Net loans and leases to core deposits | 70.3328% | 5,418 |
| Total domestic deposits to total assets | 85.0710% | 3,818 |
| Equity capital to assets | 11.8888% | 1,977 |
| Core capital (leverage) ratio | 9.2733% | 4,063 |
| Tier 1 risk-based capital ratio | 15.6050% | 2,946 |
| Total risk-based capital ratio | 16.8610% | 2,903 |
| Memoranda: | ||
| Average total assets | $657,217,800 | 1,013 |
| Average earning assets | $593,078,800 | 1,021 |
| Average equity | $80,903,600 | 815 |
| Average total loans | $385,971,000 | 1,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 3,539 |
| Cost of funding earning assets | 0.9574% | 6,140 |
| Net interest margin | 4.3012% | 1,848 |
| Noninterest income to average assets | 1.1275% | 1,100 |
| Noninterest expense to average assets | 3.1887% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2409% | 1,487 |
| Return on assets (ROA) | 1.2427% | 1,564 |
| Pretax return on assets | 1.8319% | 869 |
| Return on Equity (ROE) | 10.0093% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.7437% | 1,972 |
| Net charge-offs to loans | 0.0796% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 38.7063% | 701 |
| Efficiency ratio | 63.6584% | 5,309 |
| Assets per employee ($millions) | 3.0832% | 5,959 |
| Cash dividends to net income (ytd only)* | 32.6264% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 3,025 |
| Loan loss allowance to noncurrent loans | 103.1800% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 4,820 |
| Noncurrent loans to loans | 1.6862% | 4,114 |
| Net loans and leases to total assets | 57.4821% | 5,338 |
| Net loans and leases to deposits | 68.9654% | 5,280 |
| Net loans and leases to core deposits | 73.4087% | 5,363 |
| Total domestic deposits to total assets | 83.3492% | 4,437 |
| Equity capital to assets | 12.7603% | 1,707 |
| Core capital (leverage) ratio | 10.1197% | 3,128 |
| Tier 1 risk-based capital ratio | 16.7828% | 2,416 |
| Total risk-based capital ratio | 18.0389% | 2,376 |
| Memoranda: | ||
| Average total assets | $657,716,500 | 1,021 |
| Average earning assets | $593,551,500 | 1,027 |
| Average equity | $81,655,000 | 808 |
| Average total loans | $388,545,250 | 1,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 3,743 |
| Cost of funding earning assets | 0.9724% | 6,277 |
| Net interest margin | 4.2713% | 1,888 |
| Noninterest income to average assets | 1.0258% | 1,294 |
| Noninterest expense to average assets | 3.1517% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1814% | 1,607 |
| Return on assets (ROA) | 1.1938% | 1,643 |
| Pretax return on assets | 1.7564% | 952 |
| Return on Equity (ROE) | 9.7059% | 2,209 |
| Retained earnings to average equity (ytd only) | 7.2350% | 1,738 |
| Net charge-offs to loans | 0.1379% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 21.1524% | 1,180 |
| Efficiency ratio | 64.5704% | 5,232 |
| Assets per employee ($millions) | 3.1250% | 5,857 |
| Cash dividends to net income (ytd only)* | 25.4582% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 3,029 |
| Loan loss allowance to noncurrent loans | 107.7310% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 4,946 |
| Noncurrent loans to loans | 1.5880% | 4,327 |
| Net loans and leases to total assets | 57.3752% | 5,510 |
| Net loans and leases to deposits | 68.3137% | 5,524 |
| Net loans and leases to core deposits | 72.5972% | 5,612 |
| Total domestic deposits to total assets | 83.9878% | 4,112 |
| Equity capital to assets | 12.3476% | 1,896 |
| Core capital (leverage) ratio | 9.9673% | 3,203 |
| Tier 1 risk-based capital ratio | 16.0682% | 2,639 |
| Total risk-based capital ratio | 17.3236% | 2,598 |
| Memoranda: | ||
| Average total assets | $658,049,000 | 1,029 |
| Average earning assets | $593,968,670 | 1,030 |
| Average equity | $80,940,330 | 808 |
| Average total loans | $390,000,330 | 1,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 2,247 |
| Cost of funding earning assets | 1.0050% | 6,351 |
| Net interest margin | 4.5742% | 998 |
| Noninterest income to average assets | 1.1763% | 884 |
| Noninterest expense to average assets | 3.1853% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4349% | 1,009 |
| Return on assets (ROA) | 1.4789% | 996 |
| Pretax return on assets | 2.1912% | 428 |
| Return on Equity (ROE) | 12.0473% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.0473% | 742 |
| Net charge-offs to loans | 0.1966% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 18.0417% | 1,247 |
| Efficiency ratio | 60.0646% | 6,159 |
| Assets per employee ($millions) | 3.0474% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 2,881 |
| Loan loss allowance to noncurrent loans | 94.1078% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 4,934 |
| Noncurrent loans to loans | 1.8641% | 3,977 |
| Net loans and leases to total assets | 57.2079% | 5,566 |
| Net loans and leases to deposits | 68.3384% | 5,549 |
| Net loans and leases to core deposits | 72.7347% | 5,638 |
| Total domestic deposits to total assets | 83.7126% | 4,295 |
| Equity capital to assets | 12.3640% | 1,832 |
| Core capital (leverage) ratio | 9.8218% | 3,376 |
| Tier 1 risk-based capital ratio | 16.1921% | 2,570 |
| Total risk-based capital ratio | 17.4481% | 2,526 |
| Memoranda: | ||
| Average total assets | $654,265,000 | 1,055 |
| Average earning assets | $590,273,000 | 1,063 |
| Average equity | $80,316,500 | 823 |
| Average total loans | $390,727,500 | 1,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3265% | 5,050 |
| Cost of funding earning assets | 1.3563% | 6,112 |
| Net interest margin | 3.9702% | 2,985 |
| Noninterest income to average assets | 0.6730% | 3,130 |
| Noninterest expense to average assets | 3.0656% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8404% | 2,384 |
| Return on assets (ROA) | 0.9387% | 2,113 |
| Pretax return on assets | 1.3529% | 1,549 |
| Return on Equity (ROE) | 8.4985% | 2,197 |
| Retained earnings to average equity (ytd only) | 8.4985% | 584 |
| Net charge-offs to loans | 0.1004% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 18.7323% | 1,112 |
| Efficiency ratio | 71.5156% | 4,347 |
| Assets per employee ($millions) | 3.0674% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 2,759 |
| Loan loss allowance to noncurrent loans | 91.1079% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 4,727 |
| Noncurrent loans to loans | 1.9065% | 3,794 |
| Net loans and leases to total assets | 60.1655% | 5,310 |
| Net loans and leases to deposits | 71.8678% | 5,349 |
| Net loans and leases to core deposits | 88.2020% | 5,306 |
| Total domestic deposits to total assets | 83.7168% | 4,168 |
| Equity capital to assets | 12.1866% | 1,920 |
| Core capital (leverage) ratio | 9.3412% | 3,914 |
| Tier 1 risk-based capital ratio | 14.9672% | 2,959 |
| Total risk-based capital ratio | 16.2230% | 2,905 |
| Memoranda: | ||
| Average total assets | $680,399,600 | 1,010 |
| Average earning assets | $616,223,400 | 1,011 |
| Average equity | $75,154,600 | 854 |
| Average total loans | $435,151,600 | 1,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 6,154 |
| Cost of funding earning assets | 1.4336% | 6,109 |
| Net interest margin | 3.7025% | 4,057 |
| Noninterest income to average assets | 0.6386% | 3,435 |
| Noninterest expense to average assets | 2.9987% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7039% | 3,192 |
| Return on assets (ROA) | 0.8412% | 2,715 |
| Pretax return on assets | 1.2013% | 2,258 |
| Return on Equity (ROE) | 7.8058% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.8058% | 1,197 |
| Net charge-offs to loans | -0.0066% | 7,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5939% | 3,765 |
| Assets per employee ($millions) | 3.0331% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 2,210 |
| Loan loss allowance to noncurrent loans | 65.4799% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 3,736 |
| Noncurrent loans to loans | 2.7844% | 2,729 |
| Net loans and leases to total assets | 60.8979% | 5,444 |
| Net loans and leases to deposits | 72.1239% | 5,624 |
| Net loans and leases to core deposits | 90.2407% | 5,408 |
| Total domestic deposits to total assets | 84.4351% | 3,513 |
| Equity capital to assets | 11.8154% | 2,344 |
| Core capital (leverage) ratio | 9.0062% | 4,642 |
| Tier 1 risk-based capital ratio | 14.3210% | 3,370 |
| Total risk-based capital ratio | 15.5778% | 3,314 |
| Memoranda: | ||
| Average total assets | $687,927,000 | 1,009 |
| Average earning assets | $624,063,750 | 1,016 |
| Average equity | $74,131,250 | 886 |
| Average total loans | $444,398,000 | 1,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 5,945 |
| Cost of funding earning assets | 1.5287% | 6,020 |
| Net interest margin | 3.7045% | 3,935 |
| Noninterest income to average assets | 0.6484% | 3,351 |
| Noninterest expense to average assets | 3.0006% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7077% | 3,219 |
| Return on assets (ROA) | 0.9165% | 2,486 |
| Pretax return on assets | 1.3168% | 1,969 |
| Return on Equity (ROE) | 8.7673% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.7673% | 992 |
| Net charge-offs to loans | -0.1678% | 8,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3959% | 3,971 |
| Assets per employee ($millions) | 3.0209% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,070 |
| Loan loss allowance to noncurrent loans | 69.1792% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7277% | 3,595 |
| Noncurrent loans to loans | 2.5904% | 2,798 |
| Net loans and leases to total assets | 64.0913% | 4,963 |
| Net loans and leases to deposits | 75.4927% | 5,244 |
| Net loans and leases to core deposits | 94.8891% | 5,017 |
| Total domestic deposits to total assets | 84.8974% | 3,316 |
| Equity capital to assets | 11.4284% | 2,583 |
| Core capital (leverage) ratio | 8.4549% | 5,517 |
| Tier 1 risk-based capital ratio | 13.3285% | 3,917 |
| Total risk-based capital ratio | 14.5854% | 3,846 |
| Memoranda: | ||
| Average total assets | $699,865,000 | 1,005 |
| Average earning assets | $634,910,330 | 1,017 |
| Average equity | $73,158,330 | 910 |
| Average total loans | $457,698,000 | 1,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 6,081 |
| Cost of funding earning assets | 1.6197% | 5,948 |
| Net interest margin | 3.6378% | 4,152 |
| Noninterest income to average assets | 0.6086% | 3,485 |
| Noninterest expense to average assets | 2.8751% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7133% | 3,490 |
| Return on assets (ROA) | 1.1354% | 1,963 |
| Pretax return on assets | 1.6523% | 1,283 |
| Return on Equity (ROE) | 11.3493% | 1,860 |
| Retained earnings to average equity (ytd only) | 11.3493% | 913 |
| Net charge-offs to loans | 0.3365% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.6742% | 2,837 |
| Efficiency ratio | 73.6287% | 3,888 |
| Assets per employee ($millions) | 3.2223% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 2,907 |
| Loan loss allowance to noncurrent loans | 87.3885% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 4,357 |
| Noncurrent loans to loans | 1.7307% | 3,668 |
| Net loans and leases to total assets | 63.9070% | 5,007 |
| Net loans and leases to deposits | 75.2247% | 5,315 |
| Net loans and leases to core deposits | 93.3852% | 5,217 |
| Total domestic deposits to total assets | 84.9548% | 3,229 |
| Equity capital to assets | 10.5740% | 3,390 |
| Core capital (leverage) ratio | 7.7586% | 6,809 |
| Tier 1 risk-based capital ratio | 12.1638% | 4,815 |
| Total risk-based capital ratio | 13.4171% | 4,708 |
| Memoranda: | ||
| Average total assets | $719,012,500 | 975 |
| Average earning assets | $651,492,500 | 987 |
| Average equity | $71,934,000 | 931 |
| Average total loans | $470,674,000 | 1,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2583% | 4,196 |
| Cost of funding earning assets | 2.3385% | 4,976 |
| Net interest margin | 3.9197% | 3,483 |
| Noninterest income to average assets | 0.6603% | 3,403 |
| Noninterest expense to average assets | 3.0393% | 3,940 |
| Loan and lease loss provision to assets | 0.7478% | 1,991 |
| Net operating income to assets | 0.3294% | 5,446 |
| Return on assets (ROA) | 0.4138% | 4,914 |
| Pretax return on assets | 0.5308% | 4,902 |
| Return on Equity (ROE) | 4.5498% | 4,578 |
| Retained earnings to average equity (ytd only) | 0.5128% | 4,927 |
| Net charge-offs to loans | 1.0392% | 1,184 |
| Credit loss provision to net charge-offs | 111.0887% | 4,857 |
| Earnings coverage of net charge-offs (x) | 1.7388% | 5,202 |
| Efficiency ratio | 72.1949% | 3,901 |
| Assets per employee ($millions) | 3.2120% | 5,448 |
| Cash dividends to net income (ytd only)* | 88.7282% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 2,557 |
| Loan loss allowance to noncurrent loans | 78.3902% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 3,578 |
| Noncurrent loans to loans | 1.9487% | 2,833 |
| Net loans and leases to total assets | 65.0096% | 5,063 |
| Net loans and leases to deposits | 76.8977% | 5,485 |
| Net loans and leases to core deposits | 96.1270% | 5,247 |
| Total domestic deposits to total assets | 84.5403% | 3,052 |
| Equity capital to assets | 9.4509% | 4,754 |
| Core capital (leverage) ratio | 6.8707% | 7,785 |
| Tier 1 risk-based capital ratio | 9.8386% | 6,909 |
| Total risk-based capital ratio | 11.0913% | 6,795 |
| Memoranda: | ||
| Average total assets | $735,467,400 | 912 |
| Average earning assets | $666,013,200 | 915 |
| Average equity | $66,881,800 | 997 |
| Average total loans | $476,413,000 | 1,014 |