Home > First State Bank of the Florida Keys > Performance and Condition Ratios
First State Bank of the Florida Keys, 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 | 4.3649% | 3,334 |
| Cost of funding earning assets | 1.4015% | 2,227 |
| Net interest margin | 2.9634% | 3,369 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.4318% | 2,493 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.8404% | 2,740 |
| Return on assets (ROA) | 0.6731% | 3,241 |
| Pretax return on assets | 0.6731% | 3,493 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | -0.5873% | 4,151 |
| Net charge-offs to loans | -0.0697% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0089% | 1,351 |
| Assets per employee ($millions) | 6.6491% | 2,303 |
| Cash dividends to net income (ytd only)* | 106.4615% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,603 |
| Loan loss allowance to noncurrent loans | 333.3568% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 2,003 |
| Noncurrent loans to loans | 0.3419% | 1,956 |
| Net loans and leases to total assets | 69.9000% | 1,820 |
| Net loans and leases to deposits | 82.4264% | 1,914 |
| Net loans and leases to core deposits | 88.7316% | 2,137 |
| Total domestic deposits to total assets | 84.8000% | 2,372 |
| Equity capital to assets | 8.0393% | 3,386 |
| Core capital (leverage) ratio | 9.9214% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6359% | 1,151 |
| Memoranda: | ||
| Average total assets | $1,207,100,800 | 850 |
| Average earning assets | $1,173,816,000 | 809 |
| Average equity | $89,396,800 | 1,038 |
| Average total loans | $840,594,200 | 832 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,353 |
| Cost of funding earning assets | 1.2289% | 2,337 |
| Net interest margin | 3.0349% | 3,268 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.4016% | 2,512 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.9578% | 2,491 |
| Return on assets (ROA) | 0.8759% | 2,756 |
| Pretax return on assets | 0.8759% | 3,157 |
| Return on Equity (ROE) | 12.0800% | 2,102 |
| Retained earnings to average equity (ytd only) | -1.0141% | 4,252 |
| Net charge-offs to loans | -0.0970% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3512% | 1,527 |
| Assets per employee ($millions) | 6.9344% | 2,002 |
| Cash dividends to net income (ytd only)* | 108.3960% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 2,749 |
| Loan loss allowance to noncurrent loans | 405.3259% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,284 |
| Noncurrent loans to loans | 0.2769% | 2,246 |
| Net loans and leases to total assets | 70.2700% | 1,794 |
| Net loans and leases to deposits | 83.4132% | 1,789 |
| Net loans and leases to core deposits | 88.5620% | 2,018 |
| Total domestic deposits to total assets | 84.2500% | 2,701 |
| Equity capital to assets | 7.1314% | 3,553 |
| Core capital (leverage) ratio | 10.0350% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4984% | 1,202 |
| Memoranda: | ||
| Average total assets | $1,214,654,250 | 852 |
| Average earning assets | $1,181,250,750 | 809 |
| Average equity | $88,092,500 | 1,046 |
| Average total loans | $842,720,250 | 829 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 3,373 |
| Cost of funding earning assets | 1.0599% | 2,418 |
| Net interest margin | 3.1022% | 3,222 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.4107% | 2,446 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.0278% | 2,325 |
| Return on assets (ROA) | 1.0076% | 2,390 |
| Pretax return on assets | 1.0076% | 2,892 |
| Return on Equity (ROE) | 13.8200% | 1,721 |
| Retained earnings to average equity (ytd only) | -0.5477% | 4,165 |
| Net charge-offs to loans | -0.1396% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0379% | 1,665 |
| Assets per employee ($millions) | 7.1437% | 1,820 |
| Cash dividends to net income (ytd only)* | 103.9636% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 2,769 |
| Loan loss allowance to noncurrent loans | 384.2295% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,167 |
| Noncurrent loans to loans | 0.2957% | 2,077 |
| Net loans and leases to total assets | 68.6100% | 1,899 |
| Net loans and leases to deposits | 80.2564% | 1,954 |
| Net loans and leases to core deposits | 83.1825% | 2,261 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 7.3189% | 3,623 |
| Core capital (leverage) ratio | 9.8468% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6388% | 1,182 |
| Memoranda: | ||
| Average total assets | $1,221,968,333 | 834 |
| Average earning assets | $1,189,330,667 | 796 |
| Average equity | $89,104,333 | 1,027 |
| Average total loans | $841,068,333 | 819 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,335 |
| Cost of funding earning assets | 0.9147% | 2,323 |
| Net interest margin | 3.1516% | 3,230 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.4159% | 2,485 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.0981% | 2,236 |
| Return on assets (ROA) | 1.0981% | 2,202 |
| Pretax return on assets | 1.0981% | 2,712 |
| Return on Equity (ROE) | 15.0900% | 1,538 |
| Retained earnings to average equity (ytd only) | -1.0536% | 4,131 |
| Net charge-offs to loans | -0.2418% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9849% | 1,751 |
| Assets per employee ($millions) | 7.4098% | 1,675 |
| Cash dividends to net income (ytd only)* | 106.9837% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,848 |
| Loan loss allowance to noncurrent loans | 436.5376% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,253 |
| Noncurrent loans to loans | 0.2615% | 2,213 |
| Net loans and leases to total assets | 67.8800% | 1,851 |
| Net loans and leases to deposits | 76.1269% | 2,104 |
| Net loans and leases to core deposits | 77.3957% | 2,435 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 7.4387% | 3,595 |
| Core capital (leverage) ratio | 9.8066% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8897% | 1,173 |
| Memoranda: | ||
| Average total assets | $1,225,734,000 | 851 |
| Average earning assets | $1,194,322,500 | 808 |
| Average equity | $89,214,500 | 1,039 |
| Average total loans | $840,192,000 | 834 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 3,441 |
| Cost of funding earning assets | 0.2658% | 3,199 |
| Net interest margin | 3.0966% | 3,181 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0308% | 3,497 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.3171% | 1,370 |
| Return on assets (ROA) | 1.1993% | 1,707 |
| Pretax return on assets | 1.1993% | 2,439 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 3.8105% | 3,459 |
| Net charge-offs to loans | -0.0383% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8780% | 2,929 |
| Assets per employee ($millions) | 7.6326% | 1,527 |
| Cash dividends to net income (ytd only)* | 77.3280% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 2,764 |
| Loan loss allowance to noncurrent loans | 424.1472% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,281 |
| Noncurrent loans to loans | 0.2650% | 2,207 |
| Net loans and leases to total assets | 67.6600% | 1,866 |
| Net loans and leases to deposits | 77.3131% | 2,011 |
| Net loans and leases to core deposits | 77.9558% | 2,279 |
| Total domestic deposits to total assets | 87.5100% | 2,232 |
| Equity capital to assets | 7.1191% | 3,606 |
| Core capital (leverage) ratio | 9.4899% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0643% | 1,118 |
| Memoranda: | ||
| Average total assets | $1,283,116,600 | 801 |
| Average earning assets | $1,251,484,400 | 757 |
| Average equity | $91,563,800 | 1,017 |
| Average total loans | $778,737,600 | 833 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 3,410 |
| Cost of funding earning assets | 0.1424% | 3,919 |
| Net interest margin | 3.0687% | 3,025 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9866% | 3,512 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.3279% | 1,273 |
| Return on assets (ROA) | 1.3409% | 1,214 |
| Pretax return on assets | 1.3409% | 1,917 |
| Return on Equity (ROE) | 18.7800% | 547 |
| Retained earnings to average equity (ytd only) | 6.3955% | 2,597 |
| Net charge-offs to loans | -0.0353% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2263% | 3,085 |
| Assets per employee ($millions) | 8.1195% | 1,261 |
| Cash dividends to net income (ytd only)* | 65.9459% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 2,949 |
| Loan loss allowance to noncurrent loans | 298.2462% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 2,002 |
| Noncurrent loans to loans | 0.3737% | 1,892 |
| Net loans and leases to total assets | 64.6800% | 2,015 |
| Net loans and leases to deposits | 73.4352% | 2,098 |
| Net loans and leases to core deposits | 73.8798% | 2,360 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 6.5989% | 3,693 |
| Core capital (leverage) ratio | 9.2994% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8436% | 1,211 |
| Memoranda: | ||
| Average total assets | $1,296,682,250 | 798 |
| Average earning assets | $1,265,250,500 | 755 |
| Average equity | $92,584,000 | 1,019 |
| Average total loans | $763,210,000 | 841 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0664% | 3,391 |
| Cost of funding earning assets | 0.1091% | 4,092 |
| Net interest margin | 2.9573% | 3,014 |
| Noninterest income to average assets | 0.2845% | 3,469 |
| Noninterest expense to average assets | 1.9688% | 3,518 |
| Loan and lease loss provision to assets | -0.0238% | 4,445 |
| Net operating income to assets | 1.2266% | 1,343 |
| Return on assets (ROA) | 1.2449% | 1,275 |
| Pretax return on assets | 1.2449% | 1,915 |
| Return on Equity (ROE) | 17.0120% | 568 |
| Retained earnings to average equity (ytd only) | 5.8807% | 2,372 |
| Net charge-offs to loans | -0.0409% | 4,157 |
| Credit loss provision to net charge-offs | 102.6490% | 1,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0760% | 3,039 |
| Assets per employee ($millions) | 8.4462% | 1,090 |
| Cash dividends to net income (ytd only)* | 65.4321% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,715 |
| Loan loss allowance to noncurrent loans | 456.8762% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,612 |
| Noncurrent loans to loans | 0.2613% | 2,432 |
| Net loans and leases to total assets | 59.1986% | 2,417 |
| Net loans and leases to deposits | 65.9285% | 2,548 |
| Net loans and leases to core deposits | 66.3144% | 2,792 |
| Total domestic deposits to total assets | 89.7922% | 1,800 |
| Equity capital to assets | 7.2276% | 3,645 |
| Core capital (leverage) ratio | 9.1548% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5621% | 1,059 |
| Memoranda: | ||
| Average total assets | $1,301,280,333 | 795 |
| Average earning assets | $1,270,401,333 | 756 |
| Average equity | $95,226,667 | 995 |
| Average total loans | $737,891,333 | 853 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9373% | 3,435 |
| Cost of funding earning assets | 0.1366% | 3,680 |
| Net interest margin | 2.8008% | 3,139 |
| Noninterest income to average assets | 0.3688% | 2,882 |
| Noninterest expense to average assets | 2.1202% | 3,080 |
| Loan and lease loss provision to assets | -0.0323% | 4,486 |
| Net operating income to assets | 1.0157% | 1,807 |
| Return on assets (ROA) | 1.0523% | 1,671 |
| Pretax return on assets | 1.0523% | 2,289 |
| Return on Equity (ROE) | 14.2912% | 774 |
| Retained earnings to average equity (ytd only) | 3.8566% | 2,990 |
| Net charge-offs to loans | -0.0563% | 4,299 |
| Credit loss provision to net charge-offs | 103.9604% | 986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3137% | 2,464 |
| Assets per employee ($millions) | 8.3346% | 1,196 |
| Cash dividends to net income (ytd only)* | 73.0140% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,411 |
| Loan loss allowance to noncurrent loans | 859.7043% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,248 |
| Noncurrent loans to loans | 0.1501% | 3,055 |
| Net loans and leases to total assets | 54.7248% | 2,663 |
| Net loans and leases to deposits | 60.8791% | 2,820 |
| Net loans and leases to core deposits | 61.2697% | 3,041 |
| Total domestic deposits to total assets | 89.8909% | 1,629 |
| Equity capital to assets | 7.0825% | 4,172 |
| Core capital (leverage) ratio | 8.5273% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6486% | 1,114 |
| Memoranda: | ||
| Average total assets | $1,301,566,000 | 801 |
| Average earning assets | $1,270,942,500 | 759 |
| Average equity | $95,835,000 | 1,015 |
| Average total loans | $717,185,000 | 863 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0646% | 3,755 |
| Cost of funding earning assets | 0.1991% | 3,471 |
| Net interest margin | 2.8654% | 3,521 |
| Noninterest income to average assets | 0.3752% | 3,185 |
| Noninterest expense to average assets | 2.0082% | 3,652 |
| Loan and lease loss provision to assets | -0.1808% | 4,668 |
| Net operating income to assets | 1.3361% | 1,489 |
| Return on assets (ROA) | 1.2501% | 1,803 |
| Pretax return on assets | 1.2501% | 2,522 |
| Return on Equity (ROE) | 15.4100% | 858 |
| Retained earnings to average equity (ytd only) | 6.9868% | 1,922 |
| Net charge-offs to loans | -0.2470% | 4,730 |
| Credit loss provision to net charge-offs | 124.6475% | 1,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4814% | 2,642 |
| Assets per employee ($millions) | 8.1433% | 1,256 |
| Cash dividends to net income (ytd only)* | 54.6609% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,341 |
| Loan loss allowance to noncurrent loans | 627.0889% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,134 |
| Noncurrent loans to loans | 0.2080% | 2,912 |
| Net loans and leases to total assets | 54.0496% | 2,846 |
| Net loans and leases to deposits | 63.8900% | 2,696 |
| Net loans and leases to core deposits | 64.3344% | 2,951 |
| Total domestic deposits to total assets | 84.5979% | 3,391 |
| Equity capital to assets | 7.6431% | 4,536 |
| Core capital (leverage) ratio | 8.0162% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5163% | 1,159 |
| Memoranda: | ||
| Average total assets | $1,222,018,400 | 815 |
| Average earning assets | $1,189,070,000 | 780 |
| Average equity | $99,130,400 | 1,018 |
| Average total loans | $717,899,400 | 862 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1213% | 3,767 |
| Cost of funding earning assets | 0.2056% | 3,553 |
| Net interest margin | 2.9157% | 3,517 |
| Noninterest income to average assets | 0.3816% | 3,201 |
| Noninterest expense to average assets | 2.0287% | 3,591 |
| Loan and lease loss provision to assets | -0.1758% | 4,721 |
| Net operating income to assets | 1.3625% | 1,648 |
| Return on assets (ROA) | 1.3189% | 1,817 |
| Pretax return on assets | 1.3189% | 2,577 |
| Return on Equity (ROE) | 16.0076% | 950 |
| Retained earnings to average equity (ytd only) | 8.9383% | 1,722 |
| Net charge-offs to loans | -0.2311% | 4,785 |
| Credit loss provision to net charge-offs | 127.2071% | 1,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0943% | 2,524 |
| Assets per employee ($millions) | 7.8302% | 1,355 |
| Cash dividends to net income (ytd only)* | 44.1622% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,310 |
| Loan loss allowance to noncurrent loans | 894.6717% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,536 |
| Noncurrent loans to loans | 0.1491% | 3,374 |
| Net loans and leases to total assets | 55.8529% | 2,742 |
| Net loans and leases to deposits | 67.3447% | 2,506 |
| Net loans and leases to core deposits | 67.8282% | 2,795 |
| Total domestic deposits to total assets | 82.9358% | 3,723 |
| Equity capital to assets | 8.1285% | 4,455 |
| Core capital (leverage) ratio | 8.0497% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0753% | 1,116 |
| Memoranda: | ||
| Average total assets | $1,201,789,500 | 836 |
| Average earning assets | $1,167,999,750 | 802 |
| Average equity | $99,017,000 | 1,033 |
| Average total loans | $718,990,000 | 873 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 3,846 |
| Cost of funding earning assets | 0.2085% | 3,668 |
| Net interest margin | 2.9014% | 3,573 |
| Noninterest income to average assets | 0.3761% | 3,239 |
| Noninterest expense to average assets | 2.0303% | 3,602 |
| Loan and lease loss provision to assets | -0.1903% | 4,746 |
| Net operating income to assets | 1.3537% | 1,697 |
| Return on assets (ROA) | 1.3428% | 1,812 |
| Pretax return on assets | 1.3428% | 2,509 |
| Return on Equity (ROE) | 16.2215% | 912 |
| Retained earnings to average equity (ytd only) | 9.2014% | 1,647 |
| Net charge-offs to loans | -0.2799% | 4,832 |
| Credit loss provision to net charge-offs | 111.5499% | 1,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5726% | 2,488 |
| Assets per employee ($millions) | 7.9270% | 1,246 |
| Cash dividends to net income (ytd only)* | 43.2765% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,223 |
| Loan loss allowance to noncurrent loans | 672.6765% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,264 |
| Noncurrent loans to loans | 0.1998% | 3,237 |
| Net loans and leases to total assets | 55.7222% | 2,937 |
| Net loans and leases to deposits | 66.6290% | 2,766 |
| Net loans and leases to core deposits | 67.0945% | 3,029 |
| Total domestic deposits to total assets | 83.6305% | 3,539 |
| Equity capital to assets | 7.8984% | 4,580 |
| Core capital (leverage) ratio | 8.0365% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4849% | 1,039 |
| Memoranda: | ||
| Average total assets | $1,187,387,333 | 839 |
| Average earning assets | $1,153,090,667 | 805 |
| Average equity | $98,289,333 | 1,037 |
| Average total loans | $723,730,333 | 870 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 3,621 |
| Cost of funding earning assets | 0.2119% | 3,806 |
| Net interest margin | 3.0233% | 3,200 |
| Noninterest income to average assets | 0.3693% | 3,248 |
| Noninterest expense to average assets | 2.0667% | 3,518 |
| Loan and lease loss provision to assets | -0.1151% | 4,736 |
| Net operating income to assets | 1.3490% | 1,686 |
| Return on assets (ROA) | 1.3546% | 1,761 |
| Pretax return on assets | 1.3546% | 2,414 |
| Return on Equity (ROE) | 15.9596% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.1796% | 1,897 |
| Net charge-offs to loans | -0.1826% | 4,772 |
| Credit loss provision to net charge-offs | 99.3976% | 1,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6162% | 2,655 |
| Assets per employee ($millions) | 7.3780% | 1,537 |
| Cash dividends to net income (ytd only)* | 42.4820% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,296 |
| Loan loss allowance to noncurrent loans | 466.2679% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,125 |
| Noncurrent loans to loans | 0.2852% | 3,080 |
| Net loans and leases to total assets | 59.0364% | 2,668 |
| Net loans and leases to deposits | 70.5600% | 2,451 |
| Net loans and leases to core deposits | 71.0947% | 2,775 |
| Total domestic deposits to total assets | 83.6684% | 3,526 |
| Equity capital to assets | 8.0379% | 4,467 |
| Core capital (leverage) ratio | 8.5267% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9867% | 1,073 |
| Memoranda: | ||
| Average total assets | $1,146,923,500 | 853 |
| Average earning assets | $1,112,014,000 | 820 |
| Average equity | $97,346,000 | 1,033 |
| Average total loans | $727,416,000 | 867 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 3,604 |
| Cost of funding earning assets | 0.3870% | 3,663 |
| Net interest margin | 3.3022% | 3,062 |
| Noninterest income to average assets | 0.3657% | 3,281 |
| Noninterest expense to average assets | 2.3463% | 3,284 |
| Loan and lease loss provision to assets | 0.2267% | 1,723 |
| Net operating income to assets | 0.9735% | 2,386 |
| Return on assets (ROA) | 1.0972% | 2,054 |
| Pretax return on assets | 1.0972% | 2,701 |
| Return on Equity (ROE) | 12.2541% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.5254% | 682 |
| Net charge-offs to loans | -0.0281% | 4,512 |
| Credit loss provision to net charge-offs | -1,189.7436% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1578% | 2,505 |
| Assets per employee ($millions) | 6.2521% | 2,120 |
| Cash dividends to net income (ytd only)* | 22.2677% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,192 |
| Loan loss allowance to noncurrent loans | 733.1076% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,447 |
| Noncurrent loans to loans | 0.1841% | 3,556 |
| Net loans and leases to total assets | 66.6259% | 2,004 |
| Net loans and leases to deposits | 81.4511% | 1,715 |
| Net loans and leases to core deposits | 82.2484% | 2,175 |
| Total domestic deposits to total assets | 81.7986% | 3,710 |
| Equity capital to assets | 9.0027% | 4,050 |
| Core capital (leverage) ratio | 8.8930% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4888% | 1,156 |
| Memoranda: | ||
| Average total assets | $1,023,249,600 | 865 |
| Average earning assets | $985,607,400 | 830 |
| Average equity | $91,618,000 | 1,041 |
| Average total loans | $693,500,800 | 873 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 3,666 |
| Cost of funding earning assets | 0.4361% | 3,603 |
| Net interest margin | 3.3222% | 3,120 |
| Noninterest income to average assets | 0.3712% | 3,233 |
| Noninterest expense to average assets | 2.4078% | 3,112 |
| Loan and lease loss provision to assets | 0.2266% | 1,791 |
| Net operating income to assets | 0.9343% | 2,586 |
| Return on assets (ROA) | 1.0970% | 2,119 |
| Pretax return on assets | 1.0970% | 2,757 |
| Return on Equity (ROE) | 12.2703% | 1,306 |
| Retained earnings to average equity (ytd only) | 9.6172% | 845 |
| Net charge-offs to loans | -0.0503% | 4,674 |
| Credit loss provision to net charge-offs | -664.0927% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4692% | 2,255 |
| Assets per employee ($millions) | 5.9337% | 2,323 |
| Cash dividends to net income (ytd only)* | 21.6216% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,214 |
| Loan loss allowance to noncurrent loans | 543.7685% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,610 |
| Noncurrent loans to loans | 0.2366% | 3,457 |
| Net loans and leases to total assets | 67.6437% | 2,290 |
| Net loans and leases to deposits | 83.1303% | 2,002 |
| Net loans and leases to core deposits | 84.2087% | 2,452 |
| Total domestic deposits to total assets | 81.3707% | 3,575 |
| Equity capital to assets | 9.0542% | 4,075 |
| Core capital (leverage) ratio | 8.8160% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3706% | 1,168 |
| Memoranda: | ||
| Average total assets | $1,011,785,250 | 859 |
| Average earning assets | $973,838,500 | 822 |
| Average equity | $90,460,250 | 1,044 |
| Average total loans | $686,364,750 | 877 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,784 |
| Cost of funding earning assets | 0.4919% | 3,588 |
| Net interest margin | 3.3397% | 3,271 |
| Noninterest income to average assets | 0.3727% | 3,241 |
| Noninterest expense to average assets | 2.4629% | 3,065 |
| Loan and lease loss provision to assets | 0.1738% | 2,271 |
| Net operating income to assets | 0.9485% | 2,495 |
| Return on assets (ROA) | 1.1541% | 1,919 |
| Pretax return on assets | 1.1541% | 2,531 |
| Return on Equity (ROE) | 12.9659% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.9253% | 1,026 |
| Net charge-offs to loans | -0.1197% | 4,873 |
| Credit loss provision to net charge-offs | -214.8148% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6953% | 2,143 |
| Assets per employee ($millions) | 5.6905% | 2,456 |
| Cash dividends to net income (ytd only)* | 31.1634% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,570 |
| Loan loss allowance to noncurrent loans | 552.1429% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 3,785 |
| Noncurrent loans to loans | 0.2156% | 3,604 |
| Net loans and leases to total assets | 67.7688% | 2,397 |
| Net loans and leases to deposits | 84.3984% | 1,956 |
| Net loans and leases to core deposits | 85.7153% | 2,459 |
| Total domestic deposits to total assets | 80.2963% | 3,773 |
| Equity capital to assets | 8.8136% | 4,252 |
| Core capital (leverage) ratio | 8.8844% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0227% | 1,243 |
| Memoranda: | ||
| Average total assets | $1,000,935,333 | 851 |
| Average earning assets | $962,850,333 | 817 |
| Average equity | $89,095,000 | 1,044 |
| Average total loans | $676,608,667 | 874 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,099 |
| Cost of funding earning assets | 0.6215% | 3,323 |
| Net interest margin | 3.2457% | 3,737 |
| Noninterest income to average assets | 0.4323% | 2,894 |
| Noninterest expense to average assets | 2.5410% | 3,155 |
| Loan and lease loss provision to assets | 0.0816% | 2,678 |
| Net operating income to assets | 0.9283% | 2,423 |
| Return on assets (ROA) | 1.1037% | 1,925 |
| Pretax return on assets | 1.1037% | 2,509 |
| Return on Equity (ROE) | 12.3348% | 1,028 |
| Retained earnings to average equity (ytd only) | 4.1298% | 2,630 |
| Net charge-offs to loans | -0.0024% | 3,687 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5598% | 2,150 |
| Assets per employee ($millions) | 5.2490% | 2,375 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,177 |
| Loan loss allowance to noncurrent loans | 382.2531% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,732 |
| Noncurrent loans to loans | 0.2892% | 3,461 |
| Net loans and leases to total assets | 65.2890% | 2,901 |
| Net loans and leases to deposits | 84.9490% | 2,113 |
| Net loans and leases to core deposits | 86.5414% | 2,640 |
| Total domestic deposits to total assets | 76.8567% | 4,373 |
| Equity capital to assets | 8.7452% | 4,715 |
| Core capital (leverage) ratio | 8.9151% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1285% | 1,572 |
| Memoranda: | ||
| Average total assets | $980,719,500 | 837 |
| Average earning assets | $942,294,500 | 802 |
| Average equity | $87,751,500 | 1,051 |
| Average total loans | $657,800,500 | 875 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 3,484 |
| Cost of funding earning assets | 0.7228% | 3,052 |
| Net interest margin | 3.5972% | 3,142 |
| Noninterest income to average assets | 0.4081% | 3,241 |
| Noninterest expense to average assets | 2.5939% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2805% | 1,765 |
| Return on assets (ROA) | 1.2870% | 1,818 |
| Pretax return on assets | 1.2870% | 2,549 |
| Return on Equity (ROE) | 14.9001% | 703 |
| Retained earnings to average equity (ytd only) | 3.7842% | 3,085 |
| Net charge-offs to loans | 0.0177% | 3,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 106.6957% | 647 |
| Efficiency ratio | 66.9504% | 2,629 |
| Assets per employee ($millions) | 4.8119% | 2,824 |
| Cash dividends to net income (ytd only)* | 74.6027% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 2,822 |
| Loan loss allowance to noncurrent loans | 394.4869% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 3,686 |
| Noncurrent loans to loans | 0.2848% | 3,422 |
| Net loans and leases to total assets | 67.4456% | 2,765 |
| Net loans and leases to deposits | 85.3708% | 2,168 |
| Net loans and leases to core deposits | 86.9413% | 2,716 |
| Total domestic deposits to total assets | 79.0032% | 4,186 |
| Equity capital to assets | 9.1663% | 4,598 |
| Core capital (leverage) ratio | 8.8834% | 4,613 |
| Tier 1 risk-based capital ratio | 15.7006% | 2,502 |
| Total risk-based capital ratio | 16.9515% | 2,438 |
| Memoranda: | ||
| Average total assets | $958,232,200 | 820 |
| Average earning assets | $923,346,800 | 779 |
| Average equity | $82,764,800 | 1,055 |
| Average total loans | $649,096,800 | 854 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 3,540 |
| Cost of funding earning assets | 0.7268% | 3,082 |
| Net interest margin | 3.6153% | 3,215 |
| Noninterest income to average assets | 0.4166% | 3,220 |
| Noninterest expense to average assets | 2.5630% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3373% | 1,687 |
| Return on assets (ROA) | 1.3442% | 1,735 |
| Pretax return on assets | 1.3442% | 2,516 |
| Return on Equity (ROE) | 15.8005% | 638 |
| Retained earnings to average equity (ytd only) | 4.7227% | 3,044 |
| Net charge-offs to loans | -0.0074% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7132% | 2,765 |
| Assets per employee ($millions) | 5.0423% | 2,502 |
| Cash dividends to net income (ytd only)* | 70.1103% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,887 |
| Loan loss allowance to noncurrent loans | 514.9337% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,006 |
| Noncurrent loans to loans | 0.2189% | 3,758 |
| Net loans and leases to total assets | 66.8549% | 2,944 |
| Net loans and leases to deposits | 88.5385% | 1,862 |
| Net loans and leases to core deposits | 90.0253% | 2,543 |
| Total domestic deposits to total assets | 75.5094% | 4,695 |
| Equity capital to assets | 8.9004% | 4,826 |
| Core capital (leverage) ratio | 8.9078% | 4,704 |
| Tier 1 risk-based capital ratio | 15.0697% | 2,816 |
| Total risk-based capital ratio | 16.3205% | 2,744 |
| Memoranda: | ||
| Average total assets | $962,007,250 | 811 |
| Average earning assets | $927,001,250 | 774 |
| Average equity | $81,843,500 | 1,060 |
| Average total loans | $650,539,000 | 851 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 3,496 |
| Cost of funding earning assets | 0.7219% | 3,033 |
| Net interest margin | 3.6246% | 3,179 |
| Noninterest income to average assets | 0.4215% | 3,124 |
| Noninterest expense to average assets | 2.5770% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3394% | 1,621 |
| Return on assets (ROA) | 1.3463% | 1,658 |
| Pretax return on assets | 1.3463% | 2,395 |
| Return on Equity (ROE) | 16.0742% | 579 |
| Retained earnings to average equity (ytd only) | 5.1292% | 2,705 |
| Net charge-offs to loans | 0.0280% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 70.6484% | 888 |
| Efficiency ratio | 65.7996% | 2,836 |
| Assets per employee ($millions) | 5.0447% | 2,423 |
| Cash dividends to net income (ytd only)* | 68.0904% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,998 |
| Loan loss allowance to noncurrent loans | 379.2887% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,774 |
| Noncurrent loans to loans | 0.2938% | 3,480 |
| Net loans and leases to total assets | 67.5013% | 2,887 |
| Net loans and leases to deposits | 86.8090% | 2,156 |
| Net loans and leases to core deposits | 88.2864% | 2,769 |
| Total domestic deposits to total assets | 77.7584% | 4,443 |
| Equity capital to assets | 8.7798% | 4,912 |
| Core capital (leverage) ratio | 8.9104% | 4,704 |
| Tier 1 risk-based capital ratio | 15.1517% | 2,771 |
| Total risk-based capital ratio | 16.4024% | 2,700 |
| Memoranda: | ||
| Average total assets | $959,966,330 | 811 |
| Average earning assets | $925,624,330 | 775 |
| Average equity | $80,402,330 | 1,077 |
| Average total loans | $649,178,330 | 856 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 3,455 |
| Cost of funding earning assets | 0.7309% | 2,885 |
| Net interest margin | 3.6014% | 3,243 |
| Noninterest income to average assets | 0.4311% | 2,972 |
| Noninterest expense to average assets | 2.5506% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3467% | 1,535 |
| Return on assets (ROA) | 1.3596% | 1,530 |
| Pretax return on assets | 1.3596% | 2,234 |
| Return on Equity (ROE) | 16.6303% | 511 |
| Retained earnings to average equity (ytd only) | 6.4713% | 2,255 |
| Net charge-offs to loans | 0.1444% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.8590% | 1,823 |
| Efficiency ratio | 65.4449% | 3,016 |
| Assets per employee ($millions) | 5.1090% | 2,387 |
| Cash dividends to net income (ytd only)* | 61.0874% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,183 |
| Loan loss allowance to noncurrent loans | 432.8867% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 3,970 |
| Noncurrent loans to loans | 0.2519% | 3,665 |
| Net loans and leases to total assets | 66.7767% | 2,935 |
| Net loans and leases to deposits | 85.7618% | 2,153 |
| Net loans and leases to core deposits | 87.2619% | 2,758 |
| Total domestic deposits to total assets | 77.8629% | 4,539 |
| Equity capital to assets | 8.3685% | 5,056 |
| Core capital (leverage) ratio | 8.7619% | 4,822 |
| Tier 1 risk-based capital ratio | 14.7108% | 2,994 |
| Total risk-based capital ratio | 15.9607% | 2,934 |
| Memoranda: | ||
| Average total assets | $963,222,500 | 812 |
| Average earning assets | $927,090,500 | 777 |
| Average equity | $78,748,000 | 1,093 |
| Average total loans | $648,344,500 | 862 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 3,761 |
| Cost of funding earning assets | 0.5431% | 3,092 |
| Net interest margin | 3.5511% | 3,543 |
| Noninterest income to average assets | 0.4559% | 3,075 |
| Noninterest expense to average assets | 2.5152% | 3,567 |
| Loan and lease loss provision to assets | 0.0129% | 3,884 |
| Net operating income to assets | 1.3542% | 1,599 |
| Return on assets (ROA) | 1.3453% | 1,620 |
| Pretax return on assets | 1.3453% | 2,340 |
| Return on Equity (ROE) | 16.3978% | 552 |
| Retained earnings to average equity (ytd only) | 3.0054% | 3,895 |
| Net charge-offs to loans | 0.0590% | 2,297 |
| Credit loss provision to net charge-offs | 33.3333% | 3,330 |
| Earnings coverage of net charge-offs (x) | 35.2556% | 1,442 |
| Efficiency ratio | 64.7855% | 3,070 |
| Assets per employee ($millions) | 5.2220% | 2,241 |
| Cash dividends to net income (ytd only)* | 81.6719% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,881 |
| Loan loss allowance to noncurrent loans | 401.0377% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 3,864 |
| Noncurrent loans to loans | 0.2840% | 3,547 |
| Net loans and leases to total assets | 66.3419% | 3,078 |
| Net loans and leases to deposits | 87.4919% | 2,116 |
| Net loans and leases to core deposits | 89.0964% | 2,643 |
| Total domestic deposits to total assets | 75.8263% | 4,773 |
| Equity capital to assets | 7.9815% | 5,168 |
| Core capital (leverage) ratio | 8.7357% | 4,855 |
| Tier 1 risk-based capital ratio | 14.1638% | 3,213 |
| Total risk-based capital ratio | 15.4141% | 3,146 |
| Memoranda: | ||
| Average total assets | $928,349,400 | 823 |
| Average earning assets | $895,769,800 | 788 |
| Average equity | $76,162,800 | 1,074 |
| Average total loans | $609,745,000 | 878 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,795 |
| Cost of funding earning assets | 0.4898% | 3,259 |
| Net interest margin | 3.5573% | 3,498 |
| Noninterest income to average assets | 0.4845% | 2,952 |
| Noninterest expense to average assets | 2.5103% | 3,556 |
| Loan and lease loss provision to assets | 0.0355% | 3,298 |
| Net operating income to assets | 1.3763% | 1,571 |
| Return on assets (ROA) | 1.3914% | 1,518 |
| Pretax return on assets | 1.3914% | 2,261 |
| Return on Equity (ROE) | 16.8401% | 564 |
| Retained earnings to average equity (ytd only) | 3.3372% | 4,080 |
| Net charge-offs to loans | 0.1591% | 1,040 |
| Credit loss provision to net charge-offs | 34.1702% | 2,946 |
| Earnings coverage of net charge-offs (x) | 13.5899% | 2,345 |
| Efficiency ratio | 64.0044% | 3,184 |
| Assets per employee ($millions) | 5.0636% | 2,387 |
| Cash dividends to net income (ytd only)* | 80.1833% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,858 |
| Loan loss allowance to noncurrent loans | 395.7151% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,968 |
| Noncurrent loans to loans | 0.2926% | 3,632 |
| Net loans and leases to total assets | 65.8702% | 3,198 |
| Net loans and leases to deposits | 84.3138% | 2,563 |
| Net loans and leases to core deposits | 85.4116% | 3,051 |
| Total domestic deposits to total assets | 78.1251% | 4,469 |
| Equity capital to assets | 8.0315% | 5,162 |
| Core capital (leverage) ratio | 8.9041% | 4,796 |
| Tier 1 risk-based capital ratio | 14.5294% | 3,114 |
| Total risk-based capital ratio | 15.7795% | 3,021 |
| Memoranda: | ||
| Average total assets | $920,225,000 | 825 |
| Average earning assets | $889,274,750 | 792 |
| Average equity | $76,031,000 | 1,072 |
| Average total loans | $600,984,500 | 889 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 3,826 |
| Cost of funding earning assets | 0.4649% | 3,258 |
| Net interest margin | 3.5215% | 3,564 |
| Noninterest income to average assets | 0.5364% | 2,660 |
| Noninterest expense to average assets | 2.4841% | 3,672 |
| Loan and lease loss provision to assets | 0.0533% | 2,845 |
| Net operating income to assets | 1.4036% | 1,430 |
| Return on assets (ROA) | 1.4262% | 1,349 |
| Pretax return on assets | 1.4262% | 2,065 |
| Return on Equity (ROE) | 17.1024% | 513 |
| Retained earnings to average equity (ytd only) | 3.5436% | 3,826 |
| Net charge-offs to loans | 0.1234% | 1,192 |
| Credit loss provision to net charge-offs | 66.5761% | 2,387 |
| Earnings coverage of net charge-offs (x) | 18.2065% | 1,913 |
| Efficiency ratio | 63.0324% | 3,470 |
| Assets per employee ($millions) | 5.0174% | 2,398 |
| Cash dividends to net income (ytd only)* | 79.2804% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,478 |
| Loan loss allowance to noncurrent loans | 401.7232% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,989 |
| Noncurrent loans to loans | 0.3091% | 3,601 |
| Net loans and leases to total assets | 64.9826% | 3,280 |
| Net loans and leases to deposits | 81.7041% | 2,796 |
| Net loans and leases to core deposits | 82.7584% | 3,184 |
| Total domestic deposits to total assets | 79.5340% | 4,342 |
| Equity capital to assets | 8.2451% | 5,106 |
| Core capital (leverage) ratio | 8.8359% | 4,853 |
| Tier 1 risk-based capital ratio | 14.2146% | 3,254 |
| Total risk-based capital ratio | 15.4652% | 3,174 |
| Memoranda: | ||
| Average total assets | $919,775,000 | 830 |
| Average earning assets | $889,231,000 | 788 |
| Average equity | $76,702,670 | 1,065 |
| Average total loans | $596,594,670 | 894 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,830 |
| Cost of funding earning assets | 0.4627% | 3,105 |
| Net interest margin | 3.4732% | 3,634 |
| Noninterest income to average assets | 0.6387% | 2,084 |
| Noninterest expense to average assets | 2.4531% | 3,804 |
| Loan and lease loss provision to assets | 0.1062% | 1,758 |
| Net operating income to assets | 1.4365% | 1,240 |
| Return on assets (ROA) | 1.4538% | 1,189 |
| Pretax return on assets | 1.4538% | 1,823 |
| Return on Equity (ROE) | 17.3367% | 478 |
| Retained earnings to average equity (ytd only) | 4.9349% | 3,214 |
| Net charge-offs to loans | 0.1642% | 866 |
| Credit loss provision to net charge-offs | 100.4098% | 1,537 |
| Earnings coverage of net charge-offs (x) | 14.5902% | 1,701 |
| Efficiency ratio | 61.3925% | 3,890 |
| Assets per employee ($millions) | 5.0644% | 2,408 |
| Cash dividends to net income (ytd only)* | 71.5350% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,374 |
| Loan loss allowance to noncurrent loans | 728.5303% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,525 |
| Noncurrent loans to loans | 0.1749% | 4,195 |
| Net loans and leases to total assets | 64.1106% | 3,289 |
| Net loans and leases to deposits | 78.2871% | 2,991 |
| Net loans and leases to core deposits | 79.6077% | 3,354 |
| Total domestic deposits to total assets | 81.8917% | 3,999 |
| Equity capital to assets | 8.3037% | 5,104 |
| Core capital (leverage) ratio | 8.9429% | 4,745 |
| Tier 1 risk-based capital ratio | 14.3167% | 3,219 |
| Total risk-based capital ratio | 15.5677% | 3,133 |
| Memoranda: | ||
| Average total assets | $923,075,500 | 832 |
| Average earning assets | $892,206,500 | 786 |
| Average equity | $77,408,000 | 1,059 |
| Average total loans | $594,460,000 | 900 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,316 |
| Cost of funding earning assets | 0.5401% | 2,031 |
| Net interest margin | 3.4885% | 3,565 |
| Noninterest income to average assets | 0.3721% | 3,805 |
| Noninterest expense to average assets | 2.4657% | 3,894 |
| Loan and lease loss provision to assets | -0.0687% | 5,428 |
| Net operating income to assets | 1.3424% | 1,134 |
| Return on assets (ROA) | 1.3536% | 1,131 |
| Pretax return on assets | 1.3536% | 2,154 |
| Return on Equity (ROE) | 15.4753% | 549 |
| Retained earnings to average equity (ytd only) | 2.8731% | 3,592 |
| Net charge-offs to loans | -0.1323% | 5,437 |
| Credit loss provision to net charge-offs | 77.5126% | 2,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9391% | 3,280 |
| Assets per employee ($millions) | 5.1927% | 2,260 |
| Cash dividends to net income (ytd only)* | 81.4346% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,333 |
| Loan loss allowance to noncurrent loans | 227.1039% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 3,432 |
| Noncurrent loans to loans | 0.5624% | 2,807 |
| Net loans and leases to total assets | 63.0535% | 3,482 |
| Net loans and leases to deposits | 83.5405% | 2,544 |
| Net loans and leases to core deposits | 84.9495% | 2,988 |
| Total domestic deposits to total assets | 75.4766% | 5,032 |
| Equity capital to assets | 8.4669% | 5,149 |
| Core capital (leverage) ratio | 8.8398% | 4,822 |
| Tier 1 risk-based capital ratio | 14.1997% | 3,254 |
| Total risk-based capital ratio | 15.4510% | 3,151 |
| Memoranda: | ||
| Average total assets | $898,117,800 | 832 |
| Average earning assets | $866,914,800 | 783 |
| Average equity | $78,557,200 | 1,024 |
| Average total loans | $601,670,600 | 865 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,195 |
| Cost of funding earning assets | 0.5369% | 1,978 |
| Net interest margin | 3.5087% | 3,474 |
| Noninterest income to average assets | 0.3885% | 3,764 |
| Noninterest expense to average assets | 2.5015% | 3,729 |
| Loan and lease loss provision to assets | -0.1373% | 5,622 |
| Net operating income to assets | 1.4129% | 1,062 |
| Return on assets (ROA) | 1.4280% | 1,053 |
| Pretax return on assets | 1.4280% | 2,022 |
| Return on Equity (ROE) | 16.1904% | 507 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,665 |
| Net charge-offs to loans | -0.3578% | 5,624 |
| Credit loss provision to net charge-offs | 56.6049% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2292% | 3,172 |
| Assets per employee ($millions) | 4.9271% | 2,540 |
| Cash dividends to net income (ytd only)* | 67.1211% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,223 |
| Loan loss allowance to noncurrent loans | 234.2676% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 3,459 |
| Noncurrent loans to loans | 0.5665% | 2,998 |
| Net loans and leases to total assets | 68.3518% | 2,789 |
| Net loans and leases to deposits | 94.3098% | 1,268 |
| Net loans and leases to core deposits | 96.5555% | 2,018 |
| Total domestic deposits to total assets | 72.4759% | 5,351 |
| Equity capital to assets | 9.1819% | 4,740 |
| Core capital (leverage) ratio | 9.1303% | 4,598 |
| Tier 1 risk-based capital ratio | 14.2803% | 3,312 |
| Total risk-based capital ratio | 15.5326% | 3,210 |
| Memoranda: | ||
| Average total assets | $890,274,500 | 845 |
| Average earning assets | $859,789,250 | 796 |
| Average equity | $78,521,750 | 1,027 |
| Average total loans | $603,673,250 | 871 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,321 |
| Cost of funding earning assets | 0.5265% | 1,948 |
| Net interest margin | 3.4423% | 3,624 |
| Noninterest income to average assets | 0.4159% | 3,593 |
| Noninterest expense to average assets | 2.4767% | 3,826 |
| Loan and lease loss provision to assets | -0.1998% | 5,705 |
| Net operating income to assets | 1.4640% | 928 |
| Return on assets (ROA) | 1.4640% | 951 |
| Pretax return on assets | 1.4640% | 1,785 |
| Return on Equity (ROE) | 16.8258% | 428 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,552 |
| Net charge-offs to loans | -0.3117% | 5,647 |
| Credit loss provision to net charge-offs | 95.1974% | 2,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2057% | 3,318 |
| Assets per employee ($millions) | 5.0617% | 2,320 |
| Cash dividends to net income (ytd only)* | 68.8389% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 3,062 |
| Loan loss allowance to noncurrent loans | 637.7568% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,672 |
| Noncurrent loans to loans | 0.1870% | 4,370 |
| Net loans and leases to total assets | 68.1019% | 2,804 |
| Net loans and leases to deposits | 93.3925% | 1,320 |
| Net loans and leases to core deposits | 95.5365% | 2,021 |
| Total domestic deposits to total assets | 72.9202% | 5,392 |
| Equity capital to assets | 8.7910% | 5,074 |
| Core capital (leverage) ratio | 8.8321% | 4,912 |
| Tier 1 risk-based capital ratio | 13.6923% | 3,591 |
| Total risk-based capital ratio | 14.9427% | 3,512 |
| Memoranda: | ||
| Average total assets | $893,048,330 | 850 |
| Average earning assets | $862,609,000 | 796 |
| Average equity | $77,702,330 | 1,037 |
| Average total loans | $601,251,330 | 877 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,613 |
| Cost of funding earning assets | 0.5004% | 2,083 |
| Net interest margin | 3.3420% | 3,870 |
| Noninterest income to average assets | 0.4155% | 3,559 |
| Noninterest expense to average assets | 2.4274% | 4,039 |
| Loan and lease loss provision to assets | -0.0325% | 5,694 |
| Net operating income to assets | 1.2480% | 1,380 |
| Return on assets (ROA) | 1.2480% | 1,414 |
| Pretax return on assets | 1.2480% | 2,420 |
| Return on Equity (ROE) | 14.4197% | 736 |
| Retained earnings to average equity (ytd only) | 2.6900% | 4,062 |
| Net charge-offs to loans | -0.0495% | 5,179 |
| Credit loss provision to net charge-offs | 98.6301% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6336% | 3,392 |
| Assets per employee ($millions) | 5.0947% | 2,310 |
| Cash dividends to net income (ytd only)* | 81.3449% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,955 |
| Loan loss allowance to noncurrent loans | 860.0465% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,885 |
| Noncurrent loans to loans | 0.1427% | 4,619 |
| Net loans and leases to total assets | 66.4519% | 2,906 |
| Net loans and leases to deposits | 92.3363% | 1,293 |
| Net loans and leases to core deposits | 94.5820% | 1,924 |
| Total domestic deposits to total assets | 71.9673% | 5,543 |
| Equity capital to assets | 8.6059% | 5,149 |
| Core capital (leverage) ratio | 8.9800% | 4,763 |
| Tier 1 risk-based capital ratio | 13.7237% | 3,652 |
| Total risk-based capital ratio | 14.9745% | 3,551 |
| Memoranda: | ||
| Average total assets | $886,553,000 | 857 |
| Average earning assets | $856,136,000 | 815 |
| Average equity | $76,728,500 | 1,047 |
| Average total loans | $589,637,500 | 890 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 3,779 |
| Cost of funding earning assets | 0.5611% | 1,600 |
| Net interest margin | 3.2766% | 4,217 |
| Noninterest income to average assets | 0.4290% | 3,687 |
| Noninterest expense to average assets | 2.4359% | 4,197 |
| Loan and lease loss provision to assets | -0.1237% | 5,717 |
| Net operating income to assets | 1.2792% | 1,270 |
| Return on assets (ROA) | 1.3813% | 1,091 |
| Pretax return on assets | 1.3813% | 2,008 |
| Return on Equity (ROE) | 15.2559% | 597 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,297 |
| Net charge-offs to loans | -0.1805% | 5,722 |
| Credit loss provision to net charge-offs | 110.3803% | 2,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8270% | 3,272 |
| Assets per employee ($millions) | 5.0370% | 2,350 |
| Cash dividends to net income (ytd only)* | 75.9092% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,623 |
| Loan loss allowance to noncurrent loans | 683.6565% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,818 |
| Noncurrent loans to loans | 0.1880% | 4,486 |
| Net loans and leases to total assets | 64.8777% | 3,236 |
| Net loans and leases to deposits | 91.0821% | 1,566 |
| Net loans and leases to core deposits | 93.2871% | 2,183 |
| Total domestic deposits to total assets | 71.2299% | 5,605 |
| Equity capital to assets | 8.7046% | 5,101 |
| Core capital (leverage) ratio | 8.9917% | 4,754 |
| Tier 1 risk-based capital ratio | 14.1193% | 3,402 |
| Total risk-based capital ratio | 15.3706% | 3,319 |
| Memoranda: | ||
| Average total assets | $867,886,000 | 836 |
| Average earning assets | $837,643,400 | 786 |
| Average equity | $78,579,400 | 1,011 |
| Average total loans | $539,146,800 | 917 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 3,790 |
| Cost of funding earning assets | 0.5743% | 1,520 |
| Net interest margin | 3.2683% | 4,285 |
| Noninterest income to average assets | 0.4961% | 3,276 |
| Noninterest expense to average assets | 2.4698% | 4,074 |
| Loan and lease loss provision to assets | -0.1163% | 5,809 |
| Net operating income to assets | 1.2975% | 1,300 |
| Return on assets (ROA) | 1.4336% | 1,048 |
| Pretax return on assets | 1.4336% | 1,929 |
| Return on Equity (ROE) | 15.6809% | 584 |
| Retained earnings to average equity (ytd only) | 3.8895% | 3,536 |
| Net charge-offs to loans | -0.1796% | 5,732 |
| Credit loss provision to net charge-offs | 105.7423% | 2,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6467% | 3,290 |
| Assets per employee ($millions) | 4.9319% | 2,449 |
| Cash dividends to net income (ytd only)* | 75.1960% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,429 |
| Loan loss allowance to noncurrent loans | 455.9560% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,385 |
| Noncurrent loans to loans | 0.2966% | 4,191 |
| Net loans and leases to total assets | 62.7259% | 3,551 |
| Net loans and leases to deposits | 89.5891% | 1,811 |
| Net loans and leases to core deposits | 91.9276% | 2,387 |
| Total domestic deposits to total assets | 70.0152% | 5,695 |
| Equity capital to assets | 9.3456% | 4,827 |
| Core capital (leverage) ratio | 9.0637% | 4,762 |
| Tier 1 risk-based capital ratio | 14.2828% | 3,409 |
| Total risk-based capital ratio | 15.5345% | 3,339 |
| Memoranda: | ||
| Average total assets | $865,749,750 | 836 |
| Average earning assets | $835,725,750 | 787 |
| Average equity | $79,151,750 | 1,002 |
| Average total loans | $529,930,500 | 930 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,653 |
| Cost of funding earning assets | 0.5833% | 1,445 |
| Net interest margin | 3.2984% | 4,242 |
| Noninterest income to average assets | 0.4798% | 3,333 |
| Noninterest expense to average assets | 2.4312% | 4,228 |
| Loan and lease loss provision to assets | -0.1653% | 5,922 |
| Net operating income to assets | 1.3975% | 1,062 |
| Return on assets (ROA) | 1.4574% | 1,010 |
| Pretax return on assets | 1.4574% | 1,814 |
| Return on Equity (ROE) | 16.0596% | 540 |
| Retained earnings to average equity (ytd only) | 3.8295% | 3,450 |
| Net charge-offs to loans | -0.2304% | 5,835 |
| Credit loss provision to net charge-offs | 118.7708% | 1,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3658% | 3,619 |
| Assets per employee ($millions) | 4.9701% | 2,332 |
| Cash dividends to net income (ytd only)* | 76.1542% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,324 |
| Loan loss allowance to noncurrent loans | 612.9353% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 4,481 |
| Noncurrent loans to loans | 0.2273% | 4,526 |
| Net loans and leases to total assets | 59.8081% | 3,908 |
| Net loans and leases to deposits | 82.9344% | 2,596 |
| Net loans and leases to core deposits | 85.2292% | 2,968 |
| Total domestic deposits to total assets | 72.1149% | 5,664 |
| Equity capital to assets | 9.2511% | 5,021 |
| Core capital (leverage) ratio | 8.8999% | 4,937 |
| Tier 1 risk-based capital ratio | 14.6651% | 3,222 |
| Total risk-based capital ratio | 15.9173% | 3,167 |
| Memoranda: | ||
| Average total assets | $864,992,330 | 843 |
| Average earning assets | $834,882,000 | 788 |
| Average equity | $78,495,000 | 1,012 |
| Average total loans | $522,594,330 | 940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,074 |
| Cost of funding earning assets | 0.5942% | 1,370 |
| Net interest margin | 3.1719% | 4,668 |
| Noninterest income to average assets | 0.4660% | 3,365 |
| Noninterest expense to average assets | 2.4331% | 4,282 |
| Loan and lease loss provision to assets | -0.2651% | 6,042 |
| Net operating income to assets | 1.3561% | 1,124 |
| Return on assets (ROA) | 1.3561% | 1,191 |
| Pretax return on assets | 1.3561% | 2,067 |
| Return on Equity (ROE) | 15.0929% | 657 |
| Retained earnings to average equity (ytd only) | 1.1180% | 4,796 |
| Net charge-offs to loans | -0.4427% | 5,982 |
| Credit loss provision to net charge-offs | 99.3031% | 1,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0420% | 3,295 |
| Assets per employee ($millions) | 5.0510% | 2,287 |
| Cash dividends to net income (ytd only)* | 92.5926% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 2,211 |
| Loan loss allowance to noncurrent loans | 242.9634% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,522 |
| Noncurrent loans to loans | 0.5960% | 3,396 |
| Net loans and leases to total assets | 57.1659% | 4,131 |
| Net loans and leases to deposits | 79.5565% | 2,858 |
| Net loans and leases to core deposits | 81.3550% | 3,194 |
| Total domestic deposits to total assets | 71.8558% | 5,782 |
| Equity capital to assets | 8.7946% | 5,346 |
| Core capital (leverage) ratio | 8.8528% | 5,025 |
| Tier 1 risk-based capital ratio | 14.7319% | 3,268 |
| Total risk-based capital ratio | 15.9848% | 3,211 |
| Memoranda: | ||
| Average total assets | $860,122,000 | 850 |
| Average earning assets | $829,286,000 | 802 |
| Average equity | $77,281,500 | 1,034 |
| Average total loans | $518,615,000 | 941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,292 |
| Cost of funding earning assets | 0.5748% | 1,551 |
| Net interest margin | 3.1503% | 4,777 |
| Noninterest income to average assets | 0.5555% | 2,988 |
| Noninterest expense to average assets | 2.5633% | 4,033 |
| Loan and lease loss provision to assets | -0.0854% | 5,826 |
| Net operating income to assets | 1.0944% | 1,954 |
| Return on assets (ROA) | 1.1519% | 1,797 |
| Pretax return on assets | 1.1519% | 2,831 |
| Return on Equity (ROE) | 12.2596% | 1,239 |
| Retained earnings to average equity (ytd only) | 1.3831% | 4,939 |
| Net charge-offs to loans | 0.0044% | 4,293 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,694 |
| Earnings coverage of net charge-offs (x) | 393.7619% | 169 |
| Efficiency ratio | 71.7541% | 2,944 |
| Assets per employee ($millions) | 4.6157% | 2,858 |
| Cash dividends to net income (ytd only)* | 88.7182% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,225 |
| Loan loss allowance to noncurrent loans | 172.9263% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 2,910 |
| Noncurrent loans to loans | 0.8368% | 2,694 |
| Net loans and leases to total assets | 61.8647% | 3,581 |
| Net loans and leases to deposits | 86.8514% | 2,022 |
| Net loans and leases to core deposits | 89.1381% | 2,484 |
| Total domestic deposits to total assets | 71.2304% | 5,840 |
| Equity capital to assets | 9.1909% | 4,922 |
| Core capital (leverage) ratio | 9.0885% | 4,766 |
| Tier 1 risk-based capital ratio | 14.8842% | 3,227 |
| Total risk-based capital ratio | 16.1372% | 3,161 |
| Memoranda: | ||
| Average total assets | $819,502,600 | 847 |
| Average earning assets | $784,788,800 | 802 |
| Average equity | $77,001,000 | 987 |
| Average total loans | $477,647,200 | 975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,395 |
| Cost of funding earning assets | 0.5707% | 1,621 |
| Net interest margin | 3.1369% | 4,858 |
| Noninterest income to average assets | 0.5553% | 3,021 |
| Noninterest expense to average assets | 2.6020% | 3,875 |
| Loan and lease loss provision to assets | -0.0734% | 5,960 |
| Net operating income to assets | 1.0266% | 2,347 |
| Return on assets (ROA) | 1.0855% | 2,159 |
| Pretax return on assets | 1.0855% | 3,288 |
| Return on Equity (ROE) | 11.4888% | 1,529 |
| Retained earnings to average equity (ytd only) | 1.1354% | 5,259 |
| Net charge-offs to loans | 0.0300% | 3,337 |
| Credit loss provision to net charge-offs | -428.5714% | 5,328 |
| Earnings coverage of net charge-offs (x) | 55.6844% | 968 |
| Efficiency ratio | 73.1875% | 2,687 |
| Assets per employee ($millions) | 4.5271% | 2,957 |
| Cash dividends to net income (ytd only)* | 90.1172% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,861 |
| Loan loss allowance to noncurrent loans | 194.6954% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 2,379 |
| Noncurrent loans to loans | 0.8102% | 2,941 |
| Net loans and leases to total assets | 58.7335% | 4,050 |
| Net loans and leases to deposits | 85.0350% | 2,276 |
| Net loans and leases to core deposits | 86.9813% | 2,751 |
| Total domestic deposits to total assets | 69.0698% | 6,004 |
| Equity capital to assets | 9.4450% | 4,816 |
| Core capital (leverage) ratio | 9.2735% | 4,623 |
| Tier 1 risk-based capital ratio | 15.8418% | 2,872 |
| Total risk-based capital ratio | 17.0967% | 2,807 |
| Memoranda: | ||
| Average total assets | $817,825,750 | 862 |
| Average earning assets | $782,123,250 | 816 |
| Average equity | $77,267,250 | 994 |
| Average total loans | $467,399,750 | 994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,399 |
| Cost of funding earning assets | 0.5711% | 1,638 |
| Net interest margin | 3.1320% | 4,877 |
| Noninterest income to average assets | 0.5852% | 2,821 |
| Noninterest expense to average assets | 2.5650% | 4,021 |
| Loan and lease loss provision to assets | -0.0733% | 6,056 |
| Net operating income to assets | 1.0862% | 1,992 |
| Return on assets (ROA) | 1.1700% | 1,774 |
| Pretax return on assets | 1.1700% | 2,899 |
| Return on Equity (ROE) | 12.3824% | 1,262 |
| Retained earnings to average equity (ytd only) | 1.5252% | 4,938 |
| Net charge-offs to loans | 0.0338% | 2,991 |
| Credit loss provision to net charge-offs | -384.6154% | 5,161 |
| Earnings coverage of net charge-offs (x) | 53.1667% | 912 |
| Efficiency ratio | 71.6890% | 3,041 |
| Assets per employee ($millions) | 4.5075% | 2,974 |
| Cash dividends to net income (ytd only)* | 87.6827% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 1,703 |
| Loan loss allowance to noncurrent loans | 177.4587% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 2,062 |
| Noncurrent loans to loans | 0.9377% | 2,784 |
| Net loans and leases to total assets | 57.1682% | 4,201 |
| Net loans and leases to deposits | 78.5500% | 2,966 |
| Net loans and leases to core deposits | 80.3412% | 3,351 |
| Total domestic deposits to total assets | 72.7794% | 5,891 |
| Equity capital to assets | 9.4074% | 4,769 |
| Core capital (leverage) ratio | 9.0624% | 4,876 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,709 |
| Total risk-based capital ratio | 17.5598% | 2,666 |
| Memoranda: | ||
| Average total assets | $818,806,330 | 864 |
| Average earning assets | $782,376,330 | 821 |
| Average equity | $77,367,670 | 990 |
| Average total loans | $461,106,000 | 1,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 4,697 |
| Cost of funding earning assets | 0.5749% | 1,618 |
| Net interest margin | 3.0231% | 5,145 |
| Noninterest income to average assets | 0.5028% | 3,267 |
| Noninterest expense to average assets | 2.4767% | 4,335 |
| Loan and lease loss provision to assets | -0.0729% | 6,187 |
| Net operating income to assets | 0.9862% | 2,325 |
| Return on assets (ROA) | 1.0913% | 2,010 |
| Pretax return on assets | 1.0913% | 3,120 |
| Return on Equity (ROE) | 11.5242% | 1,471 |
| Retained earnings to average equity (ytd only) | 1.7666% | 4,767 |
| Net charge-offs to loans | 0.0702% | 2,024 |
| Credit loss provision to net charge-offs | -187.5000% | 4,593 |
| Earnings coverage of net charge-offs (x) | 23.4750% | 1,324 |
| Efficiency ratio | 73.0598% | 2,981 |
| Assets per employee ($millions) | 4.7365% | 2,709 |
| Cash dividends to net income (ytd only)* | 84.6702% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 1,638 |
| Loan loss allowance to noncurrent loans | 155.0213% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 2,175 |
| Noncurrent loans to loans | 1.1227% | 2,527 |
| Net loans and leases to total assets | 53.8458% | 4,464 |
| Net loans and leases to deposits | 76.5263% | 2,991 |
| Net loans and leases to core deposits | 78.3183% | 3,346 |
| Total domestic deposits to total assets | 70.3625% | 6,110 |
| Equity capital to assets | 9.3231% | 4,932 |
| Core capital (leverage) ratio | 9.1533% | 4,787 |
| Tier 1 risk-based capital ratio | 16.6307% | 2,622 |
| Total risk-based capital ratio | 17.8875% | 2,574 |
| Memoranda: | ||
| Average total assets | $822,538,500 | 858 |
| Average earning assets | $785,542,500 | 813 |
| Average equity | $77,888,500 | 984 |
| Average total loans | $455,819,500 | 1,019 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 4,840 |
| Cost of funding earning assets | 0.5796% | 1,956 |
| Net interest margin | 3.1037% | 5,194 |
| Noninterest income to average assets | 0.4938% | 3,559 |
| Noninterest expense to average assets | 2.5516% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9051% | 2,848 |
| Return on assets (ROA) | 0.9117% | 2,912 |
| Pretax return on assets | 0.9117% | 3,865 |
| Return on Equity (ROE) | 9.8935% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.1770% | 5,698 |
| Net charge-offs to loans | 0.1491% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.3523% | 2,500 |
| Efficiency ratio | 73.8157% | 2,865 |
| Assets per employee ($millions) | 4.6098% | 2,860 |
| Cash dividends to net income (ytd only)* | 98.2107% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 1,493 |
| Loan loss allowance to noncurrent loans | 138.6482% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.3679% | 2,040 |
| Noncurrent loans to loans | 1.3120% | 2,250 |
| Net loans and leases to total assets | 55.0373% | 4,449 |
| Net loans and leases to deposits | 78.6148% | 2,890 |
| Net loans and leases to core deposits | 80.6844% | 3,218 |
| Total domestic deposits to total assets | 70.0088% | 6,193 |
| Equity capital to assets | 9.6212% | 4,562 |
| Core capital (leverage) ratio | 9.2961% | 4,545 |
| Tier 1 risk-based capital ratio | 17.4249% | 2,341 |
| Total risk-based capital ratio | 18.6835% | 2,304 |
| Memoranda: | ||
| Average total assets | $815,252,000 | 831 |
| Average earning assets | $778,261,400 | 784 |
| Average equity | $75,130,000 | 974 |
| Average total loans | $435,879,200 | 1,012 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,955 |
| Cost of funding earning assets | 0.5767% | 2,046 |
| Net interest margin | 3.0902% | 5,286 |
| Noninterest income to average assets | 0.4928% | 3,593 |
| Noninterest expense to average assets | 2.5578% | 4,326 |
| Loan and lease loss provision to assets | 0.0082% | 4,254 |
| Net operating income to assets | 0.8774% | 3,034 |
| Return on assets (ROA) | 0.8774% | 3,130 |
| Pretax return on assets | 0.8774% | 4,085 |
| Return on Equity (ROE) | 9.6255% | 2,393 |
| Retained earnings to average equity (ytd only) | 1.0361% | 5,470 |
| Net charge-offs to loans | 0.2452% | 1,572 |
| Credit loss provision to net charge-offs | 6.2972% | 3,747 |
| Earnings coverage of net charge-offs (x) | 6.8375% | 3,016 |
| Efficiency ratio | 74.2823% | 2,775 |
| Assets per employee ($millions) | 4.4611% | 3,038 |
| Cash dividends to net income (ytd only)* | 89.2359% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 1,556 |
| Loan loss allowance to noncurrent loans | 117.1083% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 1,855 |
| Noncurrent loans to loans | 1.5861% | 2,050 |
| Net loans and leases to total assets | 55.0390% | 4,457 |
| Net loans and leases to deposits | 78.6377% | 2,876 |
| Net loans and leases to core deposits | 80.6369% | 3,234 |
| Total domestic deposits to total assets | 69.9906% | 6,287 |
| Equity capital to assets | 9.8234% | 4,392 |
| Core capital (leverage) ratio | 9.5198% | 4,344 |
| Tier 1 risk-based capital ratio | 17.2423% | 2,502 |
| Total risk-based capital ratio | 18.5003% | 2,461 |
| Memoranda: | ||
| Average total assets | $817,385,750 | 832 |
| Average earning assets | $780,472,250 | 787 |
| Average equity | $74,508,500 | 983 |
| Average total loans | $431,793,750 | 1,024 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 5,189 |
| Cost of funding earning assets | 0.5676% | 2,185 |
| Net interest margin | 3.0178% | 5,465 |
| Noninterest income to average assets | 0.5094% | 3,406 |
| Noninterest expense to average assets | 2.5380% | 4,460 |
| Loan and lease loss provision to assets | 0.0121% | 4,010 |
| Net operating income to assets | 0.8406% | 3,129 |
| Return on assets (ROA) | 0.8406% | 3,223 |
| Pretax return on assets | 0.8406% | 4,118 |
| Return on Equity (ROE) | 9.4523% | 2,391 |
| Retained earnings to average equity (ytd only) | 0.5069% | 5,538 |
| Net charge-offs to loans | 0.3476% | 1,178 |
| Credit loss provision to net charge-offs | 6.6934% | 3,339 |
| Earnings coverage of net charge-offs (x) | 4.7349% | 3,053 |
| Efficiency ratio | 74.8525% | 2,831 |
| Assets per employee ($millions) | 4.5307% | 2,876 |
| Cash dividends to net income (ytd only)* | 94.6372% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 1,534 |
| Loan loss allowance to noncurrent loans | 88.5077% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 1,575 |
| Noncurrent loans to loans | 2.1668% | 1,524 |
| Net loans and leases to total assets | 52.7575% | 4,668 |
| Net loans and leases to deposits | 74.5977% | 3,258 |
| Net loans and leases to core deposits | 76.5598% | 3,566 |
| Total domestic deposits to total assets | 70.7227% | 6,323 |
| Equity capital to assets | 9.6742% | 4,527 |
| Core capital (leverage) ratio | 9.0458% | 4,951 |
| Tier 1 risk-based capital ratio | 17.3637% | 2,475 |
| Total risk-based capital ratio | 18.6220% | 2,431 |
| Memoranda: | ||
| Average total assets | $829,617,670 | 819 |
| Average earning assets | $792,100,670 | 775 |
| Average equity | $73,781,330 | 989 |
| Average total loans | $429,786,330 | 1,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,530 |
| Cost of funding earning assets | 0.5508% | 2,413 |
| Net interest margin | 2.9029% | 5,745 |
| Noninterest income to average assets | 0.5448% | 3,084 |
| Noninterest expense to average assets | 2.4628% | 4,748 |
| Loan and lease loss provision to assets | 0.0236% | 3,524 |
| Net operating income to assets | 0.8330% | 2,993 |
| Return on assets (ROA) | 0.8330% | 3,062 |
| Pretax return on assets | 0.8330% | 3,965 |
| Return on Equity (ROE) | 9.7677% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.3650% | 5,425 |
| Net charge-offs to loans | 0.2411% | 1,358 |
| Credit loss provision to net charge-offs | 19.2308% | 2,513 |
| Earnings coverage of net charge-offs (x) | 6.9846% | 2,169 |
| Efficiency ratio | 74.1935% | 3,095 |
| Assets per employee ($millions) | 4.7888% | 2,536 |
| Cash dividends to net income (ytd only)* | 96.2627% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 1,453 |
| Loan loss allowance to noncurrent loans | 54.7926% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.4188% | 1,334 |
| Noncurrent loans to loans | 3.7126% | 758 |
| Net loans and leases to total assets | 48.9606% | 5,004 |
| Net loans and leases to deposits | 68.2708% | 3,834 |
| Net loans and leases to core deposits | 69.8778% | 4,108 |
| Total domestic deposits to total assets | 71.7153% | 6,374 |
| Equity capital to assets | 8.6378% | 5,507 |
| Core capital (leverage) ratio | 8.7431% | 5,332 |
| Tier 1 risk-based capital ratio | 16.9668% | 2,708 |
| Total risk-based capital ratio | 18.2260% | 2,655 |
| Memoranda: | ||
| Average total assets | $847,990,000 | 804 |
| Average earning assets | $810,489,500 | 766 |
| Average equity | $72,320,000 | 1,005 |
| Average total loans | $431,440,000 | 1,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 5,938 |
| Cost of funding earning assets | 0.6009% | 2,648 |
| Net interest margin | 2.7352% | 6,094 |
| Noninterest income to average assets | 0.4414% | 4,146 |
| Noninterest expense to average assets | 2.4970% | 4,772 |
| Loan and lease loss provision to assets | 0.1251% | 2,751 |
| Net operating income to assets | 0.4318% | 5,029 |
| Return on assets (ROA) | 0.4318% | 5,150 |
| Pretax return on assets | 0.4318% | 5,408 |
| Return on Equity (ROE) | 5.0436% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.6523% | 3,625 |
| Net charge-offs to loans | 1.0749% | 527 |
| Credit loss provision to net charge-offs | 22.4311% | 4,405 |
| Earnings coverage of net charge-offs (x) | 0.9987% | 4,745 |
| Efficiency ratio | 81.7653% | 1,911 |
| Assets per employee ($millions) | 4.6866% | 2,609 |
| Cash dividends to net income (ytd only)* | 27.5862% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,487 |
| Loan loss allowance to noncurrent loans | 50.3689% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.7886% | 1,178 |
| Noncurrent loans to loans | 4.0332% | 719 |
| Net loans and leases to total assets | 50.7360% | 5,000 |
| Net loans and leases to deposits | 71.2097% | 3,626 |
| Net loans and leases to core deposits | 73.0358% | 3,938 |
| Total domestic deposits to total assets | 71.2487% | 6,462 |
| Equity capital to assets | 8.4178% | 5,670 |
| Core capital (leverage) ratio | 8.9169% | 5,121 |
| Tier 1 risk-based capital ratio | 16.5448% | 2,829 |
| Total risk-based capital ratio | 17.8039% | 2,796 |
| Memoranda: | ||
| Average total assets | $839,529,400 | 792 |
| Average earning assets | $801,853,800 | 751 |
| Average equity | $71,873,400 | 989 |
| Average total loans | $435,482,600 | 981 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 5,982 |
| Cost of funding earning assets | 0.6146% | 2,690 |
| Net interest margin | 2.7305% | 6,118 |
| Noninterest income to average assets | 0.4484% | 4,167 |
| Noninterest expense to average assets | 2.4937% | 4,742 |
| Loan and lease loss provision to assets | 0.1670% | 2,171 |
| Net operating income to assets | 0.3953% | 5,261 |
| Return on assets (ROA) | 0.3953% | 5,401 |
| Pretax return on assets | 0.3953% | 5,636 |
| Return on Equity (ROE) | 4.5979% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,398 |
| Net charge-offs to loans | 1.3963% | 360 |
| Credit loss provision to net charge-offs | 23.0415% | 4,017 |
| Earnings coverage of net charge-offs (x) | 0.7759% | 4,593 |
| Efficiency ratio | 81.6015% | 1,885 |
| Assets per employee ($millions) | 4.5797% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0905% | 1,531 |
| Loan loss allowance to noncurrent loans | 60.8273% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.5230% | 1,519 |
| Noncurrent loans to loans | 3.4367% | 1,120 |
| Net loans and leases to total assets | 51.7097% | 4,907 |
| Net loans and leases to deposits | 76.8561% | 2,837 |
| Net loans and leases to core deposits | 79.5174% | 3,176 |
| Total domestic deposits to total assets | 67.2813% | 6,680 |
| Equity capital to assets | 8.7409% | 5,477 |
| Core capital (leverage) ratio | 8.9819% | 5,150 |
| Tier 1 risk-based capital ratio | 16.5019% | 2,931 |
| Total risk-based capital ratio | 17.7615% | 2,895 |
| Memoranda: | ||
| Average total assets | $838,516,750 | 792 |
| Average earning assets | $800,751,000 | 754 |
| Average equity | $72,089,000 | 998 |
| Average total loans | $435,134,750 | 984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,968 |
| Cost of funding earning assets | 0.6405% | 2,586 |
| Net interest margin | 2.7288% | 6,134 |
| Noninterest income to average assets | 0.4469% | 4,186 |
| Noninterest expense to average assets | 2.5069% | 4,696 |
| Loan and lease loss provision to assets | 0.1536% | 2,397 |
| Net operating income to assets | 0.3930% | 5,240 |
| Return on assets (ROA) | 0.3930% | 5,405 |
| Pretax return on assets | 0.3930% | 5,653 |
| Return on Equity (ROE) | 4.5960% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,341 |
| Net charge-offs to loans | 0.5290% | 1,249 |
| Credit loss provision to net charge-offs | 56.2771% | 3,092 |
| Earnings coverage of net charge-offs (x) | 2.0026% | 3,851 |
| Efficiency ratio | 82.0989% | 1,875 |
| Assets per employee ($millions) | 4.6481% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7834% | 725 |
| Loan loss allowance to noncurrent loans | 72.5723% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5410% | 1,660 |
| Noncurrent loans to loans | 3.8354% | 1,048 |
| Net loans and leases to total assets | 50.6669% | 5,040 |
| Net loans and leases to deposits | 71.2206% | 3,554 |
| Net loans and leases to core deposits | 73.8762% | 3,831 |
| Total domestic deposits to total assets | 71.1409% | 6,611 |
| Equity capital to assets | 8.4017% | 5,869 |
| Core capital (leverage) ratio | 8.6747% | 5,455 |
| Tier 1 risk-based capital ratio | 16.5563% | 2,912 |
| Total risk-based capital ratio | 17.8245% | 2,862 |
| Memoranda: | ||
| Average total assets | $846,295,330 | 783 |
| Average earning assets | $808,428,000 | 746 |
| Average equity | $72,367,330 | 995 |
| Average total loans | $436,670,330 | 977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 5,956 |
| Cost of funding earning assets | 0.6560% | 2,605 |
| Net interest margin | 2.7389% | 6,150 |
| Noninterest income to average assets | 0.3936% | 4,513 |
| Noninterest expense to average assets | 2.5451% | 4,589 |
| Loan and lease loss provision to assets | 0.1823% | 2,031 |
| Net operating income to assets | 0.2814% | 5,629 |
| Return on assets (ROA) | 0.2814% | 5,749 |
| Pretax return on assets | 0.2814% | 5,896 |
| Return on Equity (ROE) | 3.2631% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.2631% | 4,296 |
| Net charge-offs to loans | 0.4925% | 1,219 |
| Credit loss provision to net charge-offs | 72.0887% | 2,262 |
| Earnings coverage of net charge-offs (x) | 1.8336% | 3,230 |
| Efficiency ratio | 84.5891% | 1,691 |
| Assets per employee ($millions) | 4.8435% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8431% | 778 |
| Loan loss allowance to noncurrent loans | 62.4608% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.8662% | 1,570 |
| Noncurrent loans to loans | 4.5519% | 906 |
| Net loans and leases to total assets | 48.9748% | 5,112 |
| Net loans and leases to deposits | 69.6202% | 3,553 |
| Net loans and leases to core deposits | 72.2107% | 3,794 |
| Total domestic deposits to total assets | 70.3456% | 6,745 |
| Equity capital to assets | 8.6154% | 5,902 |
| Core capital (leverage) ratio | 8.4605% | 5,637 |
| Tier 1 risk-based capital ratio | 16.4622% | 3,023 |
| Total risk-based capital ratio | 17.7317% | 2,969 |
| Memoranda: | ||
| Average total assets | $855,766,000 | 783 |
| Average earning assets | $817,104,500 | 741 |
| Average equity | $73,795,000 | 987 |
| Average total loans | $439,407,000 | 974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 5,909 |
| Cost of funding earning assets | 0.7607% | 3,009 |
| Net interest margin | 3.0059% | 6,042 |
| Noninterest income to average assets | 0.3193% | 5,173 |
| Noninterest expense to average assets | 2.6377% | 4,609 |
| Loan and lease loss provision to assets | 0.2654% | 2,522 |
| Net operating income to assets | 0.2686% | 5,578 |
| Return on assets (ROA) | 0.3666% | 5,458 |
| Pretax return on assets | 0.3666% | 5,664 |
| Return on Equity (ROE) | 4.3391% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.3391% | 3,176 |
| Net charge-offs to loans | 0.8098% | 1,444 |
| Credit loss provision to net charge-offs | 63.5367% | 4,358 |
| Earnings coverage of net charge-offs (x) | 1.2783% | 4,822 |
| Efficiency ratio | 83.1649% | 1,723 |
| Assets per employee ($millions) | 4.7718% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8155% | 809 |
| Loan loss allowance to noncurrent loans | 64.2439% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.0555% | 1,548 |
| Noncurrent loans to loans | 4.3825% | 991 |
| Net loans and leases to total assets | 50.8270% | 5,061 |
| Net loans and leases to deposits | 71.9895% | 3,414 |
| Net loans and leases to core deposits | 74.8271% | 3,676 |
| Total domestic deposits to total assets | 70.6033% | 6,765 |
| Equity capital to assets | 8.6312% | 5,930 |
| Core capital (leverage) ratio | 8.6489% | 5,397 |
| Tier 1 risk-based capital ratio | 16.1116% | 3,098 |
| Total risk-based capital ratio | 17.3812% | 3,041 |
| Memoranda: | ||
| Average total assets | $851,570,600 | 769 |
| Average earning assets | $808,064,400 | 737 |
| Average equity | $71,949,800 | 979 |
| Average total loans | $439,264,000 | 951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 5,907 |
| Cost of funding earning assets | 0.7804% | 3,104 |
| Net interest margin | 3.0663% | 6,027 |
| Noninterest income to average assets | 0.3345% | 5,128 |
| Noninterest expense to average assets | 2.6819% | 4,442 |
| Loan and lease loss provision to assets | 0.2730% | 2,392 |
| Net operating income to assets | 0.2874% | 5,656 |
| Return on assets (ROA) | 0.4181% | 5,405 |
| Pretax return on assets | 0.4181% | 5,676 |
| Return on Equity (ROE) | 4.9750% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.9750% | 3,379 |
| Net charge-offs to loans | 0.7436% | 1,491 |
| Credit loss provision to net charge-offs | 71.4286% | 3,868 |
| Earnings coverage of net charge-offs (x) | 1.4662% | 4,550 |
| Efficiency ratio | 82.7140% | 1,734 |
| Assets per employee ($millions) | 4.6325% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9953% | 716 |
| Loan loss allowance to noncurrent loans | 65.1424% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.4024% | 1,483 |
| Noncurrent loans to loans | 4.5981% | 1,017 |
| Net loans and leases to total assets | 52.3559% | 4,997 |
| Net loans and leases to deposits | 76.2293% | 2,945 |
| Net loans and leases to core deposits | 79.6254% | 3,253 |
| Total domestic deposits to total assets | 68.6821% | 6,896 |
| Equity capital to assets | 9.2689% | 5,509 |
| Core capital (leverage) ratio | 8.5272% | 5,714 |
| Tier 1 risk-based capital ratio | 16.8041% | 2,836 |
| Total risk-based capital ratio | 18.0773% | 2,778 |
| Memoranda: | ||
| Average total assets | $852,117,750 | 776 |
| Average earning assets | $808,074,500 | 742 |
| Average equity | $71,609,250 | 991 |
| Average total loans | $438,024,500 | 955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 6,071 |
| Cost of funding earning assets | 0.7943% | 3,235 |
| Net interest margin | 3.0349% | 6,164 |
| Noninterest income to average assets | 0.2303% | 5,925 |
| Noninterest expense to average assets | 2.5409% | 4,994 |
| Loan and lease loss provision to assets | 0.2876% | 2,281 |
| Net operating income to assets | 0.2762% | 5,685 |
| Return on assets (ROA) | 0.4633% | 5,229 |
| Pretax return on assets | 0.4633% | 5,536 |
| Return on Equity (ROE) | 5.6963% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.6963% | 2,881 |
| Net charge-offs to loans | 0.7796% | 1,411 |
| Credit loss provision to net charge-offs | 72.8923% | 3,498 |
| Earnings coverage of net charge-offs (x) | 1.4292% | 4,286 |
| Efficiency ratio | 81.8405% | 1,900 |
| Assets per employee ($millions) | 4.8547% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0301% | 758 |
| Loan loss allowance to noncurrent loans | 60.6492% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.7165% | 1,400 |
| Noncurrent loans to loans | 4.9961% | 991 |
| Net loans and leases to total assets | 50.2541% | 5,325 |
| Net loans and leases to deposits | 73.1320% | 3,437 |
| Net loans and leases to core deposits | 76.3040% | 3,737 |
| Total domestic deposits to total assets | 68.7170% | 6,969 |
| Equity capital to assets | 8.5210% | 6,191 |
| Core capital (leverage) ratio | 8.0885% | 6,177 |
| Tier 1 risk-based capital ratio | 16.4502% | 2,946 |
| Total risk-based capital ratio | 17.7237% | 2,896 |
| Memoranda: | ||
| Average total assets | $865,927,000 | 767 |
| Average earning assets | $820,119,000 | 735 |
| Average equity | $70,431,670 | 998 |
| Average total loans | $438,182,670 | 955 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 6,356 |
| Cost of funding earning assets | 0.8094% | 3,398 |
| Net interest margin | 2.9372% | 6,419 |
| Noninterest income to average assets | 0.2526% | 5,834 |
| Noninterest expense to average assets | 2.5041% | 5,138 |
| Loan and lease loss provision to assets | 0.2128% | 2,825 |
| Net operating income to assets | 0.3171% | 5,602 |
| Return on assets (ROA) | 0.4343% | 5,294 |
| Pretax return on assets | 0.4343% | 5,633 |
| Return on Equity (ROE) | 5.4657% | 4,565 |
| Retained earnings to average equity (ytd only) | 5.4657% | 3,283 |
| Net charge-offs to loans | 0.4319% | 2,018 |
| Credit loss provision to net charge-offs | 98.5169% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.4534% | 3,197 |
| Efficiency ratio | 82.5339% | 1,869 |
| Assets per employee ($millions) | 5.0184% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1647% | 710 |
| Loan loss allowance to noncurrent loans | 62.0452% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.7209% | 1,515 |
| Noncurrent loans to loans | 5.1006% | 1,090 |
| Net loans and leases to total assets | 47.5280% | 5,622 |
| Net loans and leases to deposits | 69.4230% | 3,813 |
| Net loans and leases to core deposits | 72.0619% | 4,145 |
| Total domestic deposits to total assets | 68.4615% | 7,039 |
| Equity capital to assets | 7.8816% | 6,595 |
| Core capital (leverage) ratio | 8.0679% | 6,193 |
| Tier 1 risk-based capital ratio | 16.4586% | 2,925 |
| Total risk-based capital ratio | 17.7340% | 2,885 |
| Memoranda: | ||
| Average total assets | $874,103,500 | 759 |
| Average earning assets | $827,727,500 | 730 |
| Average equity | $69,451,500 | 1,004 |
| Average total loans | $437,130,500 | 951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 6,254 |
| Cost of funding earning assets | 0.8800% | 4,251 |
| Net interest margin | 3.2349% | 5,991 |
| Noninterest income to average assets | 0.2908% | 5,456 |
| Noninterest expense to average assets | 2.7404% | 4,587 |
| Loan and lease loss provision to assets | 1.3121% | 619 |
| Net operating income to assets | -0.7222% | 6,615 |
| Return on assets (ROA) | -0.5782% | 6,585 |
| Pretax return on assets | -0.5782% | 6,543 |
| Return on Equity (ROE) | -7.2831% | 6,648 |
| Retained earnings to average equity (ytd only) | -7.2831% | 6,589 |
| Net charge-offs to loans | 2.3292% | 534 |
| Credit loss provision to net charge-offs | 97.4219% | 3,694 |
| Earnings coverage of net charge-offs (x) | 0.4380% | 5,491 |
| Efficiency ratio | 82.2869% | 1,975 |
| Assets per employee ($millions) | 4.8584% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1495% | 712 |
| Loan loss allowance to noncurrent loans | 56.4812% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 4.0120% | 1,432 |
| Noncurrent loans to loans | 5.5762% | 940 |
| Net loans and leases to total assets | 49.3621% | 5,676 |
| Net loans and leases to deposits | 73.6604% | 3,555 |
| Net loans and leases to core deposits | 76.7584% | 3,869 |
| Total domestic deposits to total assets | 67.0130% | 7,108 |
| Equity capital to assets | 8.0115% | 6,565 |
| Core capital (leverage) ratio | 8.3227% | 5,827 |
| Tier 1 risk-based capital ratio | 15.9773% | 3,060 |
| Total risk-based capital ratio | 17.2527% | 3,008 |
| Memoranda: | ||
| Average total assets | $789,106,600 | 832 |
| Average earning assets | $741,438,800 | 799 |
| Average equity | $62,652,200 | 1,074 |
| Average total loans | $456,293,600 | 914 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 6,131 |
| Cost of funding earning assets | 0.8950% | 4,435 |
| Net interest margin | 3.3382% | 5,745 |
| Noninterest income to average assets | 0.3486% | 5,067 |
| Noninterest expense to average assets | 2.8491% | 4,145 |
| Loan and lease loss provision to assets | 1.4197% | 505 |
| Net operating income to assets | -0.7897% | 6,792 |
| Return on assets (ROA) | -0.6150% | 6,747 |
| Pretax return on assets | -0.6150% | 6,687 |
| Return on Equity (ROE) | -7.7652% | 6,803 |
| Retained earnings to average equity (ytd only) | -7.7652% | 6,753 |
| Net charge-offs to loans | 2.4566% | 447 |
| Credit loss provision to net charge-offs | 96.7491% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.4293% | 5,300 |
| Efficiency ratio | 81.8918% | 1,996 |
| Assets per employee ($millions) | 4.4436% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1652% | 753 |
| Loan loss allowance to noncurrent loans | 46.5419% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.7654% | 1,231 |
| Noncurrent loans to loans | 6.8007% | 747 |
| Net loans and leases to total assets | 53.6863% | 5,212 |
| Net loans and leases to deposits | 82.7377% | 2,218 |
| Net loans and leases to core deposits | 86.4043% | 2,721 |
| Total domestic deposits to total assets | 64.8873% | 7,233 |
| Equity capital to assets | 8.3741% | 6,421 |
| Core capital (leverage) ratio | 8.1845% | 6,152 |
| Tier 1 risk-based capital ratio | 15.7667% | 3,239 |
| Total risk-based capital ratio | 17.0433% | 3,183 |
| Memoranda: | ||
| Average total assets | $771,397,250 | 860 |
| Average earning assets | $723,415,000 | 828 |
| Average equity | $61,091,750 | 1,107 |
| Average total loans | $460,794,500 | 920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 6,044 |
| Cost of funding earning assets | 0.9011% | 4,661 |
| Net interest margin | 3.3919% | 5,580 |
| Noninterest income to average assets | 0.3406% | 5,155 |
| Noninterest expense to average assets | 2.8253% | 4,325 |
| Loan and lease loss provision to assets | 1.5043% | 471 |
| Net operating income to assets | -0.8140% | 6,878 |
| Return on assets (ROA) | -0.6368% | 6,788 |
| Pretax return on assets | -0.6368% | 6,725 |
| Return on Equity (ROE) | -8.2015% | 6,874 |
| Retained earnings to average equity (ytd only) | -8.2015% | 6,786 |
| Net charge-offs to loans | 2.5623% | 453 |
| Credit loss provision to net charge-offs | 95.9228% | 3,278 |
| Earnings coverage of net charge-offs (x) | 0.4402% | 4,973 |
| Efficiency ratio | 80.3652% | 2,327 |
| Assets per employee ($millions) | 4.3216% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 855 |
| Loan loss allowance to noncurrent loans | 49.2155% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 5.0601% | 1,205 |
| Noncurrent loans to loans | 6.1972% | 936 |
| Net loans and leases to total assets | 57.4841% | 4,727 |
| Net loans and leases to deposits | 80.7588% | 2,654 |
| Net loans and leases to core deposits | 83.8627% | 3,234 |
| Total domestic deposits to total assets | 71.1800% | 7,052 |
| Equity capital to assets | 8.2844% | 6,442 |
| Core capital (leverage) ratio | 8.5323% | 5,502 |
| Tier 1 risk-based capital ratio | 15.0185% | 3,485 |
| Total risk-based capital ratio | 16.2943% | 3,442 |
| Memoranda: | ||
| Average total assets | $766,354,670 | 877 |
| Average earning assets | $717,353,330 | 849 |
| Average equity | $59,501,000 | 1,126 |
| Average total loans | $469,040,000 | 921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 5,760 |
| Cost of funding earning assets | 0.9706% | 4,418 |
| Net interest margin | 3.4098% | 5,391 |
| Noninterest income to average assets | 0.3968% | 4,726 |
| Noninterest expense to average assets | 3.0433% | 3,475 |
| Loan and lease loss provision to assets | 1.1076% | 658 |
| Net operating income to assets | -0.5444% | 6,829 |
| Return on assets (ROA) | -0.4026% | 6,751 |
| Pretax return on assets | -0.4026% | 6,688 |
| Return on Equity (ROE) | -5.3642% | 6,832 |
| Retained earnings to average equity (ytd only) | -5.3642% | 6,551 |
| Net charge-offs to loans | 2.2660% | 531 |
| Credit loss provision to net charge-offs | 78.6375% | 3,188 |
| Earnings coverage of net charge-offs (x) | 0.3999% | 4,321 |
| Efficiency ratio | 84.3840% | 1,910 |
| Assets per employee ($millions) | 4.2803% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9041% | 1,002 |
| Loan loss allowance to noncurrent loans | 48.9504% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 5.0207% | 1,256 |
| Noncurrent loans to loans | 5.9328% | 1,072 |
| Net loans and leases to total assets | 59.5807% | 4,345 |
| Net loans and leases to deposits | 81.8339% | 2,389 |
| Net loans and leases to core deposits | 85.7750% | 2,905 |
| Total domestic deposits to total assets | 72.8069% | 7,013 |
| Equity capital to assets | 7.5105% | 6,861 |
| Core capital (leverage) ratio | 7.6519% | 6,598 |
| Tier 1 risk-based capital ratio | 13.2382% | 4,626 |
| Total risk-based capital ratio | 14.5105% | 4,589 |
| Memoranda: | ||
| Average total assets | $767,067,000 | 877 |
| Average earning assets | $722,035,500 | 847 |
| Average equity | $57,566,500 | 1,151 |
| Average total loans | $476,787,000 | 916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 6,446 |
| Cost of funding earning assets | 1.3988% | 3,277 |
| Net interest margin | 3.0797% | 6,572 |
| Noninterest income to average assets | 0.3029% | 5,634 |
| Noninterest expense to average assets | 2.5560% | 5,597 |
| Loan and lease loss provision to assets | 2.3877% | 485 |
| Net operating income to assets | -1.7209% | 6,977 |
| Return on assets (ROA) | -1.3204% | 6,862 |
| Pretax return on assets | -1.3204% | 6,786 |
| Return on Equity (ROE) | -19.6755% | 7,032 |
| Retained earnings to average equity (ytd only) | -21.9590% | 7,052 |
| Net charge-offs to loans | 2.8270% | 619 |
| Credit loss provision to net charge-offs | 144.5627% | 2,569 |
| Earnings coverage of net charge-offs (x) | 0.4037% | 5,704 |
| Efficiency ratio | 79.3107% | 2,505 |
| Assets per employee ($millions) | 4.3871% | 3,057 |
| Cash dividends to net income (ytd only)* | -11.6059% | 7,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8808% | 971 |
| Loan loss allowance to noncurrent loans | 44.1607% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 1,391 |
| Noncurrent loans to loans | 6.5234% | 916 |
| Net loans and leases to total assets | 61.1193% | 4,465 |
| Net loans and leases to deposits | 86.5982% | 1,990 |
| Net loans and leases to core deposits | 91.1610% | 2,596 |
| Total domestic deposits to total assets | 70.5780% | 7,201 |
| Equity capital to assets | 7.4992% | 6,879 |
| Core capital (leverage) ratio | 7.3630% | 6,810 |
| Tier 1 risk-based capital ratio | 13.0134% | 4,589 |
| Total risk-based capital ratio | 14.2862% | 4,535 |
| Memoranda: | ||
| Average total assets | $841,810,600 | 804 |
| Average earning assets | $798,130,600 | 764 |
| Average equity | $56,491,600 | 1,174 |
| Average total loans | $491,829,200 | 906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 6,368 |
| Cost of funding earning assets | 1.4678% | 3,160 |
| Net interest margin | 3.1207% | 6,564 |
| Noninterest income to average assets | 0.3194% | 5,595 |
| Noninterest expense to average assets | 2.3753% | 6,099 |
| Loan and lease loss provision to assets | 2.3306% | 474 |
| Net operating income to assets | -1.4277% | 7,087 |
| Return on assets (ROA) | -0.9038% | 6,888 |
| Pretax return on assets | -0.9038% | 6,808 |
| Return on Equity (ROE) | -13.8358% | 7,068 |
| Retained earnings to average equity (ytd only) | -16.9040% | 7,130 |
| Net charge-offs to loans | 2.9856% | 520 |
| Credit loss provision to net charge-offs | 135.9804% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.5268% | 5,501 |
| Efficiency ratio | 72.4584% | 3,619 |
| Assets per employee ($millions) | 4.6840% | 2,621 |
| Cash dividends to net income (ytd only)* | -22.1764% | 7,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3987% | 1,477 |
| Loan loss allowance to noncurrent loans | 44.6534% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 3.7706% | 1,889 |
| Noncurrent loans to loans | 5.3718% | 1,256 |
| Net loans and leases to total assets | 58.1627% | 5,238 |
| Net loans and leases to deposits | 88.3579% | 1,959 |
| Net loans and leases to core deposits | 93.5500% | 2,586 |
| Total domestic deposits to total assets | 65.8262% | 7,477 |
| Equity capital to assets | 7.4011% | 7,183 |
| Core capital (leverage) ratio | 6.9743% | 7,182 |
| Tier 1 risk-based capital ratio | 12.9861% | 4,588 |
| Total risk-based capital ratio | 14.2527% | 4,550 |
| Memoranda: | ||
| Average total assets | $858,132,250 | 787 |
| Average earning assets | $813,598,500 | 750 |
| Average equity | $56,056,250 | 1,183 |
| Average total loans | $492,615,500 | 916 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 6,086 |
| Cost of funding earning assets | 1.5345% | 3,039 |
| Net interest margin | 3.1826% | 6,373 |
| Noninterest income to average assets | 0.3019% | 5,740 |
| Noninterest expense to average assets | 2.3710% | 6,147 |
| Loan and lease loss provision to assets | 1.1638% | 1,220 |
| Net operating income to assets | -0.2187% | 6,378 |
| Return on assets (ROA) | 0.3351% | 5,204 |
| Pretax return on assets | 0.3351% | 5,407 |
| Return on Equity (ROE) | 5.3566% | 4,108 |
| Retained earnings to average equity (ytd only) | 1.3410% | 5,214 |
| Net charge-offs to loans | 2.0161% | 902 |
| Credit loss provision to net charge-offs | 101.7940% | 4,007 |
| Earnings coverage of net charge-offs (x) | 0.8266% | 4,947 |
| Efficiency ratio | 71.4991% | 3,905 |
| Assets per employee ($millions) | 4.8909% | 2,313 |
| Cash dividends to net income (ytd only)* | 74.9656% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 3,348 |
| Loan loss allowance to noncurrent loans | 55.3888% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2503% | 3,198 |
| Noncurrent loans to loans | 2.9331% | 2,727 |
| Net loans and leases to total assets | 55.7559% | 5,739 |
| Net loans and leases to deposits | 83.1033% | 3,051 |
| Net loans and leases to core deposits | 87.8298% | 3,568 |
| Total domestic deposits to total assets | 67.0923% | 7,475 |
| Equity capital to assets | 7.2459% | 7,250 |
| Core capital (leverage) ratio | 6.7817% | 7,290 |
| Tier 1 risk-based capital ratio | 12.5140% | 4,847 |
| Total risk-based capital ratio | 13.7693% | 4,815 |
| Memoranda: | ||
| Average total assets | $867,820,000 | 778 |
| Average earning assets | $821,901,000 | 739 |
| Average equity | $54,288,330 | 1,224 |
| Average total loans | $492,134,000 | 925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 5,950 |
| Cost of funding earning assets | 1.5656% | 3,166 |
| Net interest margin | 3.2178% | 6,236 |
| Noninterest income to average assets | 0.2454% | 6,193 |
| Noninterest expense to average assets | 2.3336% | 6,298 |
| Loan and lease loss provision to assets | 0.9437% | 1,333 |
| Net operating income to assets | 0.0157% | 6,247 |
| Return on assets (ROA) | 0.5414% | 4,310 |
| Pretax return on assets | 0.5414% | 4,813 |
| Return on Equity (ROE) | 9.3950% | 2,340 |
| Retained earnings to average equity (ytd only) | 3.0039% | 4,331 |
| Net charge-offs to loans | 1.5168% | 1,145 |
| Credit loss provision to net charge-offs | 109.6843% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.1150% | 4,097 |
| Efficiency ratio | 70.8654% | 4,143 |
| Assets per employee ($millions) | 5.0235% | 2,203 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 3,333 |
| Loan loss allowance to noncurrent loans | 49.5270% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.4525% | 2,965 |
| Noncurrent loans to loans | 3.2890% | 2,423 |
| Net loans and leases to total assets | 54.7616% | 5,921 |
| Net loans and leases to deposits | 81.1395% | 3,437 |
| Net loans and leases to core deposits | 86.1593% | 3,868 |
| Total domestic deposits to total assets | 67.4907% | 7,555 |
| Equity capital to assets | 5.7914% | 7,646 |
| Core capital (leverage) ratio | 6.0891% | 7,564 |
| Tier 1 risk-based capital ratio | 10.7750% | 6,369 |
| Total risk-based capital ratio | 12.0301% | 6,348 |
| Memoranda: | ||
| Average total assets | $868,885,500 | 791 |
| Average earning assets | $822,927,500 | 755 |
| Average equity | $50,069,000 | 1,336 |
| Average total loans | $492,879,000 | 953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 5,988 |
| Cost of funding earning assets | 1.8480% | 3,744 |
| Net interest margin | 3.2754% | 5,838 |
| Noninterest income to average assets | 0.4126% | 5,105 |
| Noninterest expense to average assets | 2.4888% | 6,177 |
| Loan and lease loss provision to assets | 0.8551% | 2,600 |
| Net operating income to assets | 0.1773% | 4,972 |
| Return on assets (ROA) | 0.6999% | 3,003 |
| Pretax return on assets | 0.6999% | 3,572 |
| Return on Equity (ROE) | 11.0291% | 1,411 |
| Retained earnings to average equity (ytd only) | 3.5165% | 2,713 |
| Net charge-offs to loans | 0.9691% | 2,468 |
| Credit loss provision to net charge-offs | 149.2591% | 3,118 |
| Earnings coverage of net charge-offs (x) | 1.8021% | 4,372 |
| Efficiency ratio | 70.6802% | 4,495 |
| Assets per employee ($millions) | 4.6884% | 2,632 |
| Cash dividends to net income (ytd only)* | 68.1164% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,262 |
| Loan loss allowance to noncurrent loans | 42.8976% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.6321% | 2,671 |
| Noncurrent loans to loans | 3.7439% | 2,003 |
| Net loans and leases to total assets | 56.9041% | 5,835 |
| Net loans and leases to deposits | 83.2504% | 3,411 |
| Net loans and leases to core deposits | 103.4382% | 3,635 |
| Total domestic deposits to total assets | 68.3529% | 7,522 |
| Equity capital to assets | 5.7321% | 7,702 |
| Core capital (leverage) ratio | 6.4275% | 7,519 |
| Tier 1 risk-based capital ratio | 10.8366% | 6,080 |
| Total risk-based capital ratio | 12.0915% | 6,049 |
| Memoranda: | ||
| Average total assets | $824,583,400 | 827 |
| Average earning assets | $782,581,800 | 786 |
| Average equity | $52,325,200 | 1,271 |
| Average total loans | $487,470,200 | 991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 5,634 |
| Cost of funding earning assets | 1.9189% | 3,778 |
| Net interest margin | 3.3408% | 5,487 |
| Noninterest income to average assets | 0.4087% | 5,225 |
| Noninterest expense to average assets | 2.5499% | 5,895 |
| Loan and lease loss provision to assets | 0.8307% | 2,303 |
| Net operating income to assets | 0.2007% | 5,153 |
| Return on assets (ROA) | 0.8064% | 2,851 |
| Pretax return on assets | 0.8064% | 3,515 |
| Return on Equity (ROE) | 12.3976% | 1,266 |
| Retained earnings to average equity (ytd only) | 4.8103% | 2,600 |
| Net charge-offs to loans | 0.8759% | 2,217 |
| Credit loss provision to net charge-offs | 159.5246% | 2,978 |
| Earnings coverage of net charge-offs (x) | 1.9806% | 4,334 |
| Efficiency ratio | 71.2012% | 4,386 |
| Assets per employee ($millions) | 4.3063% | 3,202 |
| Cash dividends to net income (ytd only)* | 61.1998% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,194 |
| Loan loss allowance to noncurrent loans | 29.9414% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 3.3354% | 2,021 |
| Noncurrent loans to loans | 5.1781% | 1,245 |
| Net loans and leases to total assets | 60.1771% | 5,553 |
| Net loans and leases to deposits | 90.9241% | 2,407 |
| Net loans and leases to core deposits | 114.3663% | 2,792 |
| Total domestic deposits to total assets | 66.1839% | 7,675 |
| Equity capital to assets | 6.7385% | 7,697 |
| Core capital (leverage) ratio | 6.5184% | 7,666 |
| Tier 1 risk-based capital ratio | 11.3474% | 5,592 |
| Total risk-based capital ratio | 12.6024% | 5,521 |
| Memoranda: | ||
| Average total assets | $818,578,500 | 843 |
| Average earning assets | $777,369,500 | 806 |
| Average equity | $53,245,750 | 1,257 |
| Average total loans | $486,644,750 | 1,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 5,322 |
| Cost of funding earning assets | 1.9807% | 3,868 |
| Net interest margin | 3.3853% | 5,236 |
| Noninterest income to average assets | 0.4197% | 5,120 |
| Noninterest expense to average assets | 2.5968% | 5,753 |
| Loan and lease loss provision to assets | 0.8461% | 1,981 |
| Net operating income to assets | 0.1888% | 5,308 |
| Return on assets (ROA) | 0.8947% | 2,583 |
| Pretax return on assets | 0.8947% | 3,359 |
| Return on Equity (ROE) | 13.9144% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.6546% | 1,718 |
| Net charge-offs to loans | 0.9704% | 1,801 |
| Credit loss provision to net charge-offs | 147.9915% | 3,120 |
| Earnings coverage of net charge-offs (x) | 1.8101% | 4,207 |
| Efficiency ratio | 71.5037% | 4,509 |
| Assets per employee ($millions) | 4.3717% | 2,985 |
| Cash dividends to net income (ytd only)* | 52.1751% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,920 |
| Loan loss allowance to noncurrent loans | 28.8319% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 3.1116% | 2,021 |
| Noncurrent loans to loans | 4.7278% | 1,334 |
| Net loans and leases to total assets | 58.8923% | 5,854 |
| Net loans and leases to deposits | 90.5949% | 2,736 |
| Net loans and leases to core deposits | 113.1129% | 3,009 |
| Total domestic deposits to total assets | 65.0061% | 7,792 |
| Equity capital to assets | 6.2935% | 7,869 |
| Core capital (leverage) ratio | 6.3430% | 7,847 |
| Tier 1 risk-based capital ratio | 11.2460% | 5,648 |
| Total risk-based capital ratio | 12.4987% | 5,555 |
| Memoranda: | ||
| Average total assets | $827,320,000 | 847 |
| Average earning assets | $784,982,330 | 815 |
| Average equity | $53,196,670 | 1,274 |
| Average total loans | $487,418,000 | 1,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 5,001 |
| Cost of funding earning assets | 2.0677% | 3,801 |
| Net interest margin | 3.4148% | 5,080 |
| Noninterest income to average assets | 0.4101% | 5,132 |
| Noninterest expense to average assets | 2.5984% | 5,454 |
| Loan and lease loss provision to assets | 0.7229% | 1,775 |
| Net operating income to assets | 0.3248% | 5,188 |
| Return on assets (ROA) | 1.1508% | 1,922 |
| Pretax return on assets | 1.1508% | 2,799 |
| Return on Equity (ROE) | 17.7110% | 611 |
| Retained earnings to average equity (ytd only) | 10.5539% | 1,063 |
| Net charge-offs to loans | 0.7831% | 1,645 |
| Credit loss provision to net charge-offs | 157.7287% | 2,678 |
| Earnings coverage of net charge-offs (x) | 2.2860% | 3,592 |
| Efficiency ratio | 71.2662% | 4,314 |
| Assets per employee ($millions) | 4.1809% | 3,293 |
| Cash dividends to net income (ytd only)* | 40.4104% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 4,376 |
| Loan loss allowance to noncurrent loans | 19.6093% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 4.0280% | 1,274 |
| Noncurrent loans to loans | 6.4026% | 706 |
| Net loans and leases to total assets | 57.1173% | 6,079 |
| Net loans and leases to deposits | 86.8857% | 3,497 |
| Net loans and leases to core deposits | 106.2524% | 3,880 |
| Total domestic deposits to total assets | 65.7384% | 7,750 |
| Equity capital to assets | 6.4725% | 7,881 |
| Core capital (leverage) ratio | 6.3126% | 7,939 |
| Tier 1 risk-based capital ratio | 11.3709% | 5,536 |
| Total risk-based capital ratio | 12.6223% | 5,434 |
| Memoranda: | ||
| Average total assets | $830,038,000 | 849 |
| Average earning assets | $786,573,000 | 812 |
| Average equity | $53,932,500 | 1,254 |
| Average total loans | $485,769,500 | 1,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1990% | 4,523 |
| Cost of funding earning assets | 2.5559% | 3,923 |
| Net interest margin | 3.6431% | 4,710 |
| Noninterest income to average assets | 0.2880% | 6,401 |
| Noninterest expense to average assets | 2.5805% | 5,715 |
| Loan and lease loss provision to assets | 0.3192% | 3,819 |
| Net operating income to assets | 0.8399% | 3,270 |
| Return on assets (ROA) | 0.9870% | 2,480 |
| Pretax return on assets | 0.9870% | 3,425 |
| Return on Equity (ROE) | 16.4576% | 703 |
| Retained earnings to average equity (ytd only) | 8.6417% | 670 |
| Net charge-offs to loans | 0.2629% | 3,651 |
| Credit loss provision to net charge-offs | 208.0696% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.5554% | 3,079 |
| Efficiency ratio | 69.0036% | 4,533 |
| Assets per employee ($millions) | 4.0380% | 3,435 |
| Cash dividends to net income (ytd only)* | 47.4914% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 4,967 |
| Loan loss allowance to noncurrent loans | 25.0564% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 2.9108% | 1,594 |
| Noncurrent loans to loans | 4.5662% | 1,040 |
| Net loans and leases to total assets | 58.5436% | 6,123 |
| Net loans and leases to deposits | 88.8007% | 3,664 |
| Net loans and leases to core deposits | 110.2193% | 3,755 |
| Total domestic deposits to total assets | 65.9269% | 7,665 |
| Equity capital to assets | 6.5233% | 7,930 |
| Core capital (leverage) ratio | 6.1419% | 8,037 |
| Tier 1 risk-based capital ratio | 10.9718% | 5,750 |
| Total risk-based capital ratio | 12.1944% | 5,688 |
| Memoranda: | ||
| Average total assets | $823,885,200 | 826 |
| Average earning assets | $780,581,600 | 790 |
| Average equity | $49,411,800 | 1,378 |
| Average total loans | $480,737,800 | 1,001 |