Home > First Texas Bank > Performance and Condition Ratios
First Texas Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1293% | 4,496 |
| Cost of funding earning assets | 0.4034% | 4,289 |
| Net interest margin | 2.7260% | 3,780 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.4030% | 4,388 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2029% | 1,645 |
| Return on assets (ROA) | 1.2029% | 1,619 |
| Pretax return on assets | 1.5181% | 1,378 |
| Return on Equity (ROE) | 12.7200% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.1833% | 2,539 |
| Net charge-offs to loans | 0.0416% | 1,485 |
| Credit loss provision to net charge-offs | 267.1756% | 1,024 |
| Earnings coverage of net charge-offs (x) | 108.3435% | 867 |
| Efficiency ratio | 47.4080% | 4,121 |
| Assets per employee ($millions) | 10.4591% | 624 |
| Cash dividends to net income (ytd only)* | 59.2579% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 4,255 |
| Loan loss allowance to noncurrent loans | 798.2759% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,504 |
| Noncurrent loans to loans | 0.0743% | 3,188 |
| Net loans and leases to total assets | 36.2100% | 4,148 |
| Net loans and leases to deposits | 41.0576% | 4,174 |
| Net loans and leases to core deposits | 42.0051% | 4,257 |
| Total domestic deposits to total assets | 88.1900% | 1,288 |
| Equity capital to assets | 10.3473% | 1,816 |
| Core capital (leverage) ratio | 10.3008% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2236% | 672 |
| Memoranda: | ||
| Average total assets | $911,880,600 | 1,070 |
| Average earning assets | $888,236,400 | 1,014 |
| Average equity | $86,219,400 | 1,068 |
| Average total loans | $314,529,200 | 1,744 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0634% | 4,516 |
| Cost of funding earning assets | 0.3595% | 4,304 |
| Net interest margin | 2.7039% | 3,874 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.3667% | 4,417 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2217% | 1,732 |
| Return on assets (ROA) | 1.2217% | 1,724 |
| Pretax return on assets | 1.5420% | 1,481 |
| Return on Equity (ROE) | 13.2100% | 1,862 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,568 |
| Net charge-offs to loans | 0.0364% | 1,368 |
| Credit loss provision to net charge-offs | 223.2558% | 1,048 |
| Earnings coverage of net charge-offs (x) | 126.6860% | 816 |
| Efficiency ratio | 46.5433% | 4,107 |
| Assets per employee ($millions) | 11.1470% | 480 |
| Cash dividends to net income (ytd only)* | 53.0660% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5493% | 4,319 |
| Loan loss allowance to noncurrent loans | 3,161.8182% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,801 |
| Noncurrent loans to loans | 0.0174% | 3,657 |
| Net loans and leases to total assets | 35.3100% | 4,205 |
| Net loans and leases to deposits | 40.5850% | 4,193 |
| Net loans and leases to core deposits | 41.0734% | 4,237 |
| Total domestic deposits to total assets | 86.9900% | 1,897 |
| Equity capital to assets | 9.8208% | 1,928 |
| Core capital (leverage) ratio | 9.9489% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6404% | 739 |
| Memoranda: | ||
| Average total assets | $925,439,750 | 1,062 |
| Average earning assets | $901,941,250 | 998 |
| Average equity | $85,588,500 | 1,068 |
| Average total loans | $315,066,000 | 1,743 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9734% | 4,553 |
| Cost of funding earning assets | 0.2703% | 4,355 |
| Net interest margin | 2.7031% | 3,968 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.3672% | 4,439 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2102% | 1,808 |
| Return on assets (ROA) | 1.2102% | 1,794 |
| Pretax return on assets | 1.5288% | 1,539 |
| Return on Equity (ROE) | 13.3500% | 1,827 |
| Retained earnings to average equity (ytd only) | 6.2832% | 2,518 |
| Net charge-offs to loans | 0.0560% | 968 |
| Credit loss provision to net charge-offs | 214.7727% | 1,017 |
| Earnings coverage of net charge-offs (x) | 83.5114% | 1,028 |
| Efficiency ratio | 46.5605% | 4,136 |
| Assets per employee ($millions) | 11.8341% | 393 |
| Cash dividends to net income (ytd only)* | 52.9287% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5326% | 4,356 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.0900% | 4,209 |
| Net loans and leases to deposits | 40.5383% | 4,201 |
| Net loans and leases to core deposits | 40.9262% | 4,242 |
| Total domestic deposits to total assets | 86.5500% | 2,079 |
| Equity capital to assets | 9.3427% | 2,273 |
| Core capital (leverage) ratio | 9.6952% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0990% | 806 |
| Memoranda: | ||
| Average total assets | $936,666,667 | 1,036 |
| Average earning assets | $912,968,333 | 980 |
| Average equity | $84,925,333 | 1,070 |
| Average total loans | $314,562,000 | 1,727 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8803% | 4,586 |
| Cost of funding earning assets | 0.1718% | 4,418 |
| Net interest margin | 2.7085% | 4,062 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.3876% | 4,477 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.2418% | 1,818 |
| Return on assets (ROA) | 1.2418% | 1,793 |
| Pretax return on assets | 1.5674% | 1,540 |
| Return on Equity (ROE) | 13.9000% | 1,796 |
| Retained earnings to average equity (ytd only) | 6.7830% | 2,555 |
| Net charge-offs to loans | 0.0595% | 781 |
| Credit loss provision to net charge-offs | -60.8696% | 4,578 |
| Earnings coverage of net charge-offs (x) | 79.7609% | 893 |
| Efficiency ratio | 47.1478% | 4,148 |
| Assets per employee ($millions) | 11.6165% | 438 |
| Cash dividends to net income (ytd only)* | 51.2120% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5008% | 4,435 |
| Loan loss allowance to noncurrent loans | 9,170.5882% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,907 |
| Noncurrent loans to loans | 0.0055% | 3,804 |
| Net loans and leases to total assets | 33.3300% | 4,288 |
| Net loans and leases to deposits | 36.8255% | 4,300 |
| Net loans and leases to core deposits | 37.2482% | 4,336 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 9.1638% | 2,398 |
| Core capital (leverage) ratio | 9.3471% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7316% | 768 |
| Memoranda: | ||
| Average total assets | $943,471,500 | 1,045 |
| Average earning assets | $919,754,500 | 987 |
| Average equity | $84,269,000 | 1,088 |
| Average total loans | $309,043,000 | 1,762 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5042% | 4,507 |
| Cost of funding earning assets | 0.0495% | 4,576 |
| Net interest margin | 2.4547% | 4,321 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.2190% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1636% | 1,918 |
| Return on assets (ROA) | 1.1636% | 1,850 |
| Pretax return on assets | 1.4686% | 1,542 |
| Return on Equity (ROE) | 14.3100% | 1,459 |
| Retained earnings to average equity (ytd only) | 14.3122% | 348 |
| Net charge-offs to loans | 0.0034% | 2,345 |
| Credit loss provision to net charge-offs | 110.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 1,422.1000% | 126 |
| Efficiency ratio | 45.3375% | 4,381 |
| Assets per employee ($millions) | 11.4003% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 4,425 |
| Loan loss allowance to noncurrent loans | 76.4447% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,092 |
| Noncurrent loans to loans | 0.6657% | 1,120 |
| Net loans and leases to total assets | 31.8700% | 4,343 |
| Net loans and leases to deposits | 35.0068% | 4,368 |
| Net loans and leases to core deposits | 35.4113% | 4,386 |
| Total domestic deposits to total assets | 91.0400% | 942 |
| Equity capital to assets | 8.7067% | 2,556 |
| Core capital (leverage) ratio | 8.8702% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2862% | 797 |
| Memoranda: | ||
| Average total assets | $967,566,000 | 1,011 |
| Average earning assets | $943,770,600 | 956 |
| Average equity | $78,667,400 | 1,149 |
| Average total loans | $294,395,400 | 1,748 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4112% | 4,492 |
| Cost of funding earning assets | 0.0247% | 4,651 |
| Net interest margin | 2.3865% | 4,343 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.2018% | 4,625 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.1356% | 1,949 |
| Return on assets (ROA) | 1.1356% | 1,922 |
| Pretax return on assets | 1.4332% | 1,621 |
| Return on Equity (ROE) | 14.2200% | 1,369 |
| Retained earnings to average equity (ytd only) | 14.2157% | 439 |
| Net charge-offs to loans | 0.0050% | 1,992 |
| Credit loss provision to net charge-offs | -536.3636% | 4,699 |
| Earnings coverage of net charge-offs (x) | 942.5455% | 163 |
| Efficiency ratio | 45.7514% | 4,394 |
| Assets per employee ($millions) | 11.7474% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 4,459 |
| Loan loss allowance to noncurrent loans | 72.9677% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,227 |
| Noncurrent loans to loans | 0.7035% | 1,163 |
| Net loans and leases to total assets | 29.2700% | 4,441 |
| Net loans and leases to deposits | 31.9633% | 4,469 |
| Net loans and leases to core deposits | 32.3726% | 4,475 |
| Total domestic deposits to total assets | 91.5600% | 1,022 |
| Equity capital to assets | 8.1456% | 2,799 |
| Core capital (leverage) ratio | 8.5406% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5698% | 778 |
| Memoranda: | ||
| Average total assets | $970,052,000 | 1,016 |
| Average earning assets | $946,246,500 | 964 |
| Average equity | $77,490,000 | 1,176 |
| Average total loans | $291,303,500 | 1,756 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3536% | 4,490 |
| Cost of funding earning assets | 0.0153% | 4,730 |
| Net interest margin | 2.3383% | 4,291 |
| Noninterest income to average assets | 0.3061% | 3,332 |
| Noninterest expense to average assets | 1.1934% | 4,649 |
| Loan and lease loss provision to assets | -0.0156% | 4,414 |
| Net operating income to assets | 1.1173% | 1,713 |
| Return on assets (ROA) | 1.1173% | 1,689 |
| Pretax return on assets | 1.4101% | 1,411 |
| Return on Equity (ROE) | 14.0813% | 1,097 |
| Retained earnings to average equity (ytd only) | 14.0813% | 353 |
| Net charge-offs to loans | -0.0075% | 3,479 |
| Credit loss provision to net charge-offs | 681.8182% | 524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1138% | 4,445 |
| Assets per employee ($millions) | 11.7871% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 4,531 |
| Loan loss allowance to noncurrent loans | 73.2615% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 2,274 |
| Noncurrent loans to loans | 0.7124% | 1,212 |
| Net loans and leases to total assets | 29.1470% | 4,488 |
| Net loans and leases to deposits | 31.7630% | 4,506 |
| Net loans and leases to core deposits | 32.2005% | 4,530 |
| Total domestic deposits to total assets | 91.7640% | 939 |
| Equity capital to assets | 7.9659% | 3,150 |
| Core capital (leverage) ratio | 8.3215% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0722% | 840 |
| Memoranda: | ||
| Average total assets | $964,476,000 | 1,015 |
| Average earning assets | $941,185,333 | 966 |
| Average equity | $76,527,000 | 1,210 |
| Average total loans | $291,643,667 | 1,748 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3213% | 4,441 |
| Cost of funding earning assets | 0.0150% | 4,746 |
| Net interest margin | 2.3063% | 4,229 |
| Noninterest income to average assets | 0.3079% | 3,263 |
| Noninterest expense to average assets | 1.2052% | 4,664 |
| Loan and lease loss provision to assets | -0.0284% | 4,473 |
| Net operating income to assets | 1.0936% | 1,545 |
| Return on assets (ROA) | 1.0936% | 1,542 |
| Pretax return on assets | 1.3802% | 1,296 |
| Return on Equity (ROE) | 13.8109% | 867 |
| Retained earnings to average equity (ytd only) | 13.8109% | 393 |
| Net charge-offs to loans | 0.0014% | 1,790 |
| Credit loss provision to net charge-offs | -6,800.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | 3,236.0000% | 15 |
| Efficiency ratio | 47.1328% | 4,447 |
| Assets per employee ($millions) | 11.9926% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 4,577 |
| Loan loss allowance to noncurrent loans | 8,770.5882% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,103 |
| Noncurrent loans to loans | 0.0059% | 3,991 |
| Net loans and leases to total assets | 30.0203% | 4,447 |
| Net loans and leases to deposits | 32.7253% | 4,475 |
| Net loans and leases to core deposits | 33.2092% | 4,502 |
| Total domestic deposits to total assets | 91.7342% | 683 |
| Equity capital to assets | 7.9693% | 3,596 |
| Core capital (leverage) ratio | 8.2073% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3999% | 979 |
| Memoranda: | ||
| Average total assets | $957,549,000 | 1,022 |
| Average earning assets | $933,793,500 | 979 |
| Average equity | $75,824,000 | 1,246 |
| Average total loans | $294,140,500 | 1,722 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6329% | 4,382 |
| Cost of funding earning assets | 0.0270% | 4,766 |
| Net interest margin | 2.6059% | 4,039 |
| Noninterest income to average assets | 0.4833% | 2,663 |
| Noninterest expense to average assets | 1.2911% | 4,682 |
| Loan and lease loss provision to assets | 0.0253% | 2,557 |
| Net operating income to assets | 1.3478% | 1,451 |
| Return on assets (ROA) | 1.3478% | 1,491 |
| Pretax return on assets | 1.7008% | 1,144 |
| Return on Equity (ROE) | 17.0983% | 572 |
| Retained earnings to average equity (ytd only) | 16.8122% | 132 |
| Net charge-offs to loans | 0.0084% | 2,268 |
| Credit loss provision to net charge-offs | 896.0000% | 570 |
| Earnings coverage of net charge-offs (x) | 612.2800% | 234 |
| Efficiency ratio | 42.7925% | 4,613 |
| Assets per employee ($millions) | 10.9849% | 512 |
| Cash dividends to net income (ytd only)* | 1.6732% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5221% | 4,605 |
| Loan loss allowance to noncurrent loans | 9,176.4706% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,182 |
| Noncurrent loans to loans | 0.0057% | 4,066 |
| Net loans and leases to total assets | 31.0993% | 4,479 |
| Net loans and leases to deposits | 33.8437% | 4,532 |
| Net loans and leases to core deposits | 34.3715% | 4,547 |
| Total domestic deposits to total assets | 91.8911% | 208 |
| Equity capital to assets | 7.8676% | 4,434 |
| Core capital (leverage) ratio | 7.9311% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5670% | 1,152 |
| Memoranda: | ||
| Average total assets | $886,828,600 | 1,057 |
| Average earning assets | $862,309,600 | 1,019 |
| Average equity | $69,907,400 | 1,347 |
| Average total loans | $298,897,400 | 1,709 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6546% | 4,452 |
| Cost of funding earning assets | 0.0306% | 4,841 |
| Net interest margin | 2.6240% | 4,098 |
| Noninterest income to average assets | 0.5305% | 2,494 |
| Noninterest expense to average assets | 1.3098% | 4,748 |
| Loan and lease loss provision to assets | 0.0286% | 2,426 |
| Net operating income to assets | 1.3810% | 1,597 |
| Return on assets (ROA) | 1.3810% | 1,658 |
| Pretax return on assets | 1.7426% | 1,298 |
| Return on Equity (ROE) | 17.5093% | 687 |
| Retained earnings to average equity (ytd only) | 17.1205% | 231 |
| Net charge-offs to loans | 0.0107% | 1,927 |
| Credit loss provision to net charge-offs | 779.1667% | 598 |
| Earnings coverage of net charge-offs (x) | 481.3750% | 308 |
| Efficiency ratio | 42.5109% | 4,645 |
| Assets per employee ($millions) | 10.6162% | 541 |
| Cash dividends to net income (ytd only)* | 2.2205% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 4,709 |
| Loan loss allowance to noncurrent loans | 480.7571% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,928 |
| Noncurrent loans to loans | 0.1029% | 3,571 |
| Net loans and leases to total assets | 33.2008% | 4,502 |
| Net loans and leases to deposits | 36.1596% | 4,572 |
| Net loans and leases to core deposits | 36.7776% | 4,598 |
| Total domestic deposits to total assets | 91.8172% | 161 |
| Equity capital to assets | 7.8808% | 4,569 |
| Core capital (leverage) ratio | 7.8929% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7701% | 1,400 |
| Memoranda: | ||
| Average total assets | $869,614,000 | 1,083 |
| Average earning assets | $845,307,250 | 1,051 |
| Average equity | $68,586,750 | 1,385 |
| Average total loans | $298,928,750 | 1,740 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6786% | 4,480 |
| Cost of funding earning assets | 0.0363% | 4,866 |
| Net interest margin | 2.6424% | 4,098 |
| Noninterest income to average assets | 0.6273% | 2,095 |
| Noninterest expense to average assets | 1.3497% | 4,758 |
| Loan and lease loss provision to assets | 0.0409% | 2,190 |
| Net operating income to assets | 1.4298% | 1,486 |
| Return on assets (ROA) | 1.4298% | 1,550 |
| Pretax return on assets | 1.8043% | 1,222 |
| Return on Equity (ROE) | 18.1227% | 633 |
| Retained earnings to average equity (ytd only) | 17.5274% | 245 |
| Net charge-offs to loans | 0.0115% | 1,731 |
| Credit loss provision to net charge-offs | 1,023.5294% | 463 |
| Earnings coverage of net charge-offs (x) | 462.1765% | 281 |
| Efficiency ratio | 42.2449% | 4,690 |
| Assets per employee ($millions) | 10.3003% | 561 |
| Cash dividends to net income (ytd only)* | 3.2852% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 4,744 |
| Loan loss allowance to noncurrent loans | 8,929.4118% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,324 |
| Noncurrent loans to loans | 0.0055% | 4,227 |
| Net loans and leases to total assets | 34.5254% | 4,521 |
| Net loans and leases to deposits | 37.5683% | 4,594 |
| Net loans and leases to core deposits | 38.2296% | 4,621 |
| Total domestic deposits to total assets | 91.9002% | 145 |
| Equity capital to assets | 7.7922% | 4,635 |
| Core capital (leverage) ratio | 7.8579% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,615,000 | 1,095 |
| Average earning assets | $827,511,667 | 1,061 |
| Average equity | $67,186,333 | 1,400 |
| Average total loans | $295,848,333 | 1,765 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 4,458 |
| Cost of funding earning assets | 0.0438% | 4,886 |
| Net interest margin | 2.6743% | 4,018 |
| Noninterest income to average assets | 0.8985% | 1,332 |
| Noninterest expense to average assets | 1.3794% | 4,758 |
| Loan and lease loss provision to assets | 0.0183% | 2,543 |
| Net operating income to assets | 1.6591% | 1,007 |
| Return on assets (ROA) | 1.6591% | 1,056 |
| Pretax return on assets | 2.0946% | 815 |
| Return on Equity (ROE) | 20.8911% | 475 |
| Retained earnings to average equity (ytd only) | 20.2838% | 258 |
| Net charge-offs to loans | -0.0250% | 4,101 |
| Credit loss provision to net charge-offs | -211.1111% | 2,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4973% | 4,759 |
| Assets per employee ($millions) | 9.3694% | 732 |
| Cash dividends to net income (ytd only)* | 2.9070% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4754% | 4,790 |
| Loan loss allowance to noncurrent loans | 8,335.2941% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,396 |
| Noncurrent loans to loans | 0.0057% | 4,303 |
| Net loans and leases to total assets | 34.7925% | 4,557 |
| Net loans and leases to deposits | 37.9259% | 4,624 |
| Net loans and leases to core deposits | 38.6562% | 4,653 |
| Total domestic deposits to total assets | 91.7380% | 192 |
| Equity capital to assets | 7.8958% | 4,547 |
| Core capital (leverage) ratio | 8.1962% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $829,360,500 | 1,107 |
| Average earning assets | $804,388,500 | 1,076 |
| Average equity | $65,865,500 | 1,414 |
| Average total loans | $288,318,500 | 1,795 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9496% | 4,671 |
| Cost of funding earning assets | 0.0881% | 4,892 |
| Net interest margin | 2.8615% | 4,175 |
| Noninterest income to average assets | 0.3900% | 3,148 |
| Noninterest expense to average assets | 1.5694% | 4,725 |
| Loan and lease loss provision to assets | 0.0437% | 3,856 |
| Net operating income to assets | 1.2377% | 1,423 |
| Return on assets (ROA) | 1.2377% | 1,527 |
| Pretax return on assets | 1.5477% | 1,202 |
| Return on Equity (ROE) | 14.9413% | 651 |
| Retained earnings to average equity (ytd only) | 8.6311% | 869 |
| Net charge-offs to loans | 0.0230% | 2,588 |
| Credit loss provision to net charge-offs | 545.7627% | 1,183 |
| Earnings coverage of net charge-offs (x) | 198.6610% | 468 |
| Efficiency ratio | 49.6521% | 4,555 |
| Assets per employee ($millions) | 8.6678% | 841 |
| Cash dividends to net income (ytd only)* | 42.2334% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,089 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.3892% | 4,634 |
| Net loans and leases to deposits | 37.4940% | 4,709 |
| Net loans and leases to core deposits | 38.2691% | 4,733 |
| Total domestic deposits to total assets | 91.7192% | 98 |
| Equity capital to assets | 7.9903% | 4,712 |
| Core capital (leverage) ratio | 8.0224% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $736,503,000 | 1,125 |
| Average earning assets | $713,191,200 | 1,084 |
| Average equity | $61,012,000 | 1,425 |
| Average total loans | $256,925,000 | 1,886 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9739% | 4,751 |
| Cost of funding earning assets | 0.1004% | 4,917 |
| Net interest margin | 2.8735% | 4,226 |
| Noninterest income to average assets | 0.3899% | 3,130 |
| Noninterest expense to average assets | 1.6122% | 4,720 |
| Loan and lease loss provision to assets | 0.0382% | 3,875 |
| Net operating income to assets | 1.2195% | 1,578 |
| Return on assets (ROA) | 1.2195% | 1,700 |
| Pretax return on assets | 1.5200% | 1,405 |
| Return on Equity (ROE) | 14.5757% | 773 |
| Retained earnings to average equity (ytd only) | 6.2651% | 1,990 |
| Net charge-offs to loans | 0.0095% | 2,766 |
| Credit loss provision to net charge-offs | 1,144.4444% | 760 |
| Earnings coverage of net charge-offs (x) | 466.8889% | 242 |
| Efficiency ratio | 50.8509% | 4,431 |
| Assets per employee ($millions) | 8.1987% | 929 |
| Cash dividends to net income (ytd only)* | 57.0169% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 4,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.6725% | 4,723 |
| Net loans and leases to deposits | 37.7972% | 4,795 |
| Net loans and leases to core deposits | 38.4430% | 4,815 |
| Total domestic deposits to total assets | 91.7331% | 77 |
| Equity capital to assets | 7.8779% | 4,751 |
| Core capital (leverage) ratio | 7.9283% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $719,102,500 | 1,135 |
| Average earning assets | $695,810,750 | 1,093 |
| Average equity | $60,162,500 | 1,434 |
| Average total loans | $251,512,750 | 1,914 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 4,805 |
| Cost of funding earning assets | 0.1150% | 4,948 |
| Net interest margin | 2.9495% | 4,226 |
| Noninterest income to average assets | 0.3894% | 3,146 |
| Noninterest expense to average assets | 1.6788% | 4,703 |
| Loan and lease loss provision to assets | 0.0500% | 3,678 |
| Net operating income to assets | 1.2196% | 1,586 |
| Return on assets (ROA) | 1.2196% | 1,710 |
| Pretax return on assets | 1.5102% | 1,431 |
| Return on Equity (ROE) | 14.2640% | 839 |
| Retained earnings to average equity (ytd only) | 5.0278% | 2,463 |
| Net charge-offs to loans | 0.0221% | 2,278 |
| Credit loss provision to net charge-offs | 644.4444% | 1,056 |
| Earnings coverage of net charge-offs (x) | 201.2222% | 446 |
| Efficiency ratio | 51.8308% | 4,366 |
| Assets per employee ($millions) | 7.4295% | 1,213 |
| Cash dividends to net income (ytd only)* | 64.7516% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.0494% | 4,749 |
| Net loans and leases to deposits | 38.2785% | 4,828 |
| Net loans and leases to core deposits | 39.0171% | 4,841 |
| Total domestic deposits to total assets | 91.5641% | 79 |
| Equity capital to assets | 8.0093% | 4,711 |
| Core capital (leverage) ratio | 8.2664% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $696,443,667 | 1,152 |
| Average earning assets | $672,864,000 | 1,107 |
| Average equity | $59,548,333 | 1,431 |
| Average total loans | $243,955,000 | 1,944 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 4,880 |
| Cost of funding earning assets | 0.1407% | 4,987 |
| Net interest margin | 3.0310% | 4,229 |
| Noninterest income to average assets | 0.4362% | 2,873 |
| Noninterest expense to average assets | 1.7646% | 4,706 |
| Loan and lease loss provision to assets | 0.0865% | 2,607 |
| Net operating income to assets | 1.1788% | 1,584 |
| Return on assets (ROA) | 1.1788% | 1,707 |
| Pretax return on assets | 1.5092% | 1,282 |
| Return on Equity (ROE) | 13.3073% | 826 |
| Retained earnings to average equity (ytd only) | 3.9813% | 2,687 |
| Net charge-offs to loans | 0.0206% | 1,955 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 221.3333% | 316 |
| Efficiency ratio | 52.5121% | 4,514 |
| Assets per employee ($millions) | 7.0401% | 1,076 |
| Cash dividends to net income (ytd only)* | 70.0815% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 33.5223% | 4,840 |
| Net loans and leases to deposits | 36.9132% | 4,895 |
| Net loans and leases to core deposits | 37.6690% | 4,905 |
| Total domestic deposits to total assets | 90.8139% | 132 |
| Equity capital to assets | 8.8148% | 4,685 |
| Core capital (leverage) ratio | 8.7865% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3402% | 1,095 |
| Memoranda: | ||
| Average total assets | $665,761,500 | 1,161 |
| Average earning assets | $642,295,500 | 1,123 |
| Average equity | $58,975,000 | 1,437 |
| Average total loans | $232,506,500 | 1,975 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2458% | 4,982 |
| Cost of funding earning assets | 0.1501% | 5,047 |
| Net interest margin | 3.0957% | 4,374 |
| Noninterest income to average assets | 0.5190% | 2,631 |
| Noninterest expense to average assets | 1.8307% | 4,738 |
| Loan and lease loss provision to assets | 0.0158% | 3,700 |
| Net operating income to assets | 1.2981% | 1,693 |
| Return on assets (ROA) | 1.2981% | 1,768 |
| Pretax return on assets | 1.6522% | 1,332 |
| Return on Equity (ROE) | 14.9773% | 692 |
| Retained earnings to average equity (ytd only) | 5.6895% | 2,035 |
| Net charge-offs to loans | -0.0018% | 4,214 |
| Credit loss provision to net charge-offs | -2,575.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3250% | 4,581 |
| Assets per employee ($millions) | 6.5567% | 1,252 |
| Cash dividends to net income (ytd only)* | 62.0128% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 4,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.0126% | 4,838 |
| Net loans and leases to deposits | 39.6633% | 4,915 |
| Net loans and leases to core deposits | 40.3381% | 4,938 |
| Total domestic deposits to total assets | 90.7957% | 147 |
| Equity capital to assets | 8.9031% | 4,732 |
| Core capital (leverage) ratio | 8.7826% | 4,676 |
| Tier 1 risk-based capital ratio | 17.3306% | 1,950 |
| Total risk-based capital ratio | 17.6575% | 2,191 |
| Memoranda: | ||
| Average total assets | $652,163,800 | 1,148 |
| Average earning assets | $627,702,600 | 1,100 |
| Average equity | $56,525,600 | 1,434 |
| Average total loans | $226,007,000 | 1,980 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2123% | 5,091 |
| Cost of funding earning assets | 0.1494% | 5,124 |
| Net interest margin | 3.0629% | 4,537 |
| Noninterest income to average assets | 0.5454% | 2,487 |
| Noninterest expense to average assets | 1.8660% | 4,739 |
| Loan and lease loss provision to assets | 0.0049% | 3,778 |
| Net operating income to assets | 1.3008% | 1,860 |
| Return on assets (ROA) | 1.3008% | 1,939 |
| Pretax return on assets | 1.6205% | 1,560 |
| Return on Equity (ROE) | 15.1111% | 756 |
| Retained earnings to average equity (ytd only) | 5.7481% | 2,478 |
| Net charge-offs to loans | 0.0030% | 3,309 |
| Credit loss provision to net charge-offs | 480.0000% | 652 |
| Earnings coverage of net charge-offs (x) | 1,587.1664% | 49 |
| Efficiency ratio | 53.4447% | 4,447 |
| Assets per employee ($millions) | 6.3912% | 1,334 |
| Cash dividends to net income (ytd only)* | 61.9609% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4286% | 5,041 |
| Loan loss allowance to noncurrent loans | 515.3061% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,581 |
| Noncurrent loans to loans | 0.0832% | 4,268 |
| Net loans and leases to total assets | 35.9920% | 4,941 |
| Net loans and leases to deposits | 39.6655% | 5,004 |
| Net loans and leases to core deposits | 40.3779% | 5,027 |
| Total domestic deposits to total assets | 90.7388% | 131 |
| Equity capital to assets | 8.8334% | 4,860 |
| Core capital (leverage) ratio | 8.9138% | 4,700 |
| Tier 1 risk-based capital ratio | 17.4281% | 1,966 |
| Total risk-based capital ratio | 17.7347% | 2,209 |
| Memoranda: | ||
| Average total assets | $651,286,250 | 1,144 |
| Average earning assets | $626,457,750 | 1,101 |
| Average equity | $56,063,250 | 1,443 |
| Average total loans | $223,203,000 | 2,016 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 5,156 |
| Cost of funding earning assets | 0.1472% | 5,167 |
| Net interest margin | 3.0324% | 4,636 |
| Noninterest income to average assets | 0.5333% | 2,481 |
| Noninterest expense to average assets | 1.8904% | 4,768 |
| Loan and lease loss provision to assets | -0.0206% | 5,139 |
| Net operating income to assets | 1.2776% | 1,862 |
| Return on assets (ROA) | 1.2776% | 1,920 |
| Pretax return on assets | 1.5814% | 1,602 |
| Return on Equity (ROE) | 14.9723% | 768 |
| Retained earnings to average equity (ytd only) | 5.5224% | 2,510 |
| Net charge-offs to loans | 0.0027% | 3,077 |
| Credit loss provision to net charge-offs | -2,233.3333% | 4,394 |
| Earnings coverage of net charge-offs (x) | 1,693.6667% | 36 |
| Efficiency ratio | 54.7753% | 4,383 |
| Assets per employee ($millions) | 6.0850% | 1,481 |
| Cash dividends to net income (ytd only)* | 63.1161% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4180% | 5,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.3418% | 5,021 |
| Net loans and leases to deposits | 37.8573% | 5,080 |
| Net loans and leases to core deposits | 38.5547% | 5,100 |
| Total domestic deposits to total assets | 90.7139% | 149 |
| Equity capital to assets | 8.8710% | 4,864 |
| Core capital (leverage) ratio | 8.8538% | 4,752 |
| Tier 1 risk-based capital ratio | 18.3946% | 1,702 |
| Total risk-based capital ratio | 18.6944% | 1,915 |
| Memoranda: | ||
| Average total assets | $651,080,670 | 1,146 |
| Average earning assets | $626,500,000 | 1,103 |
| Average equity | $55,556,000 | 1,442 |
| Average total loans | $219,056,330 | 2,051 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1386% | 5,228 |
| Cost of funding earning assets | 0.1437% | 5,222 |
| Net interest margin | 2.9949% | 4,758 |
| Noninterest income to average assets | 0.4103% | 3,112 |
| Noninterest expense to average assets | 1.9180% | 4,769 |
| Loan and lease loss provision to assets | -0.0158% | 5,220 |
| Net operating income to assets | 1.1023% | 2,455 |
| Return on assets (ROA) | 1.1023% | 2,503 |
| Pretax return on assets | 1.3884% | 2,129 |
| Return on Equity (ROE) | 13.1722% | 1,162 |
| Retained earnings to average equity (ytd only) | 3.6222% | 3,469 |
| Net charge-offs to loans | 0.0201% | 2,050 |
| Credit loss provision to net charge-offs | -236.3636% | 3,673 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 379 |
| Efficiency ratio | 58.2871% | 4,047 |
| Assets per employee ($millions) | 6.1007% | 1,470 |
| Cash dividends to net income (ytd only)* | 72.5014% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4372% | 5,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 33.5972% | 5,080 |
| Net loans and leases to deposits | 36.8986% | 5,134 |
| Net loans and leases to core deposits | 37.4969% | 5,156 |
| Total domestic deposits to total assets | 91.0528% | 161 |
| Equity capital to assets | 8.5604% | 4,953 |
| Core capital (leverage) ratio | 8.5999% | 4,947 |
| Tier 1 risk-based capital ratio | 17.8857% | 1,821 |
| Total risk-based capital ratio | 18.1932% | 2,072 |
| Memoranda: | ||
| Average total assets | $657,159,000 | 1,141 |
| Average earning assets | $632,005,500 | 1,090 |
| Average equity | $54,994,500 | 1,449 |
| Average total loans | $218,415,000 | 2,072 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 5,229 |
| Cost of funding earning assets | 0.1152% | 5,259 |
| Net interest margin | 2.8918% | 4,932 |
| Noninterest income to average assets | 0.4308% | 3,235 |
| Noninterest expense to average assets | 1.9029% | 4,891 |
| Loan and lease loss provision to assets | 0.0219% | 3,729 |
| Net operating income to assets | 1.0291% | 2,892 |
| Return on assets (ROA) | 1.0291% | 2,877 |
| Pretax return on assets | 1.2946% | 2,518 |
| Return on Equity (ROE) | 12.4111% | 1,576 |
| Retained earnings to average equity (ytd only) | 3.0963% | 3,843 |
| Net charge-offs to loans | 0.0425% | 2,562 |
| Credit loss provision to net charge-offs | 146.3918% | 1,865 |
| Earnings coverage of net charge-offs (x) | 87.8660% | 810 |
| Efficiency ratio | 59.1066% | 3,995 |
| Assets per employee ($millions) | 5.8565% | 1,620 |
| Cash dividends to net income (ytd only)* | 75.0525% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4533% | 5,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 32.5953% | 5,154 |
| Net loans and leases to deposits | 35.6425% | 5,204 |
| Net loans and leases to core deposits | 36.1748% | 5,214 |
| Total domestic deposits to total assets | 91.4507% | 126 |
| Equity capital to assets | 8.1826% | 5,095 |
| Core capital (leverage) ratio | 8.3772% | 5,079 |
| Tier 1 risk-based capital ratio | 17.7253% | 1,838 |
| Total risk-based capital ratio | 18.0447% | 2,078 |
| Memoranda: | ||
| Average total assets | $647,377,000 | 1,117 |
| Average earning assets | $624,292,000 | 1,080 |
| Average equity | $53,677,600 | 1,432 |
| Average total loans | $227,967,400 | 1,963 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9808% | 5,295 |
| Cost of funding earning assets | 0.1076% | 5,337 |
| Net interest margin | 2.8733% | 5,011 |
| Noninterest income to average assets | 0.4328% | 3,264 |
| Noninterest expense to average assets | 1.8931% | 4,912 |
| Loan and lease loss provision to assets | 0.0334% | 3,347 |
| Net operating income to assets | 1.0161% | 3,021 |
| Return on assets (ROA) | 1.0161% | 3,032 |
| Pretax return on assets | 1.2789% | 2,695 |
| Return on Equity (ROE) | 12.2129% | 1,720 |
| Retained earnings to average equity (ytd only) | 2.8568% | 4,290 |
| Net charge-offs to loans | 0.0585% | 1,983 |
| Credit loss provision to net charge-offs | 159.4059% | 1,632 |
| Earnings coverage of net charge-offs (x) | 62.5956% | 1,030 |
| Efficiency ratio | 59.0597% | 3,957 |
| Assets per employee ($millions) | 5.8230% | 1,627 |
| Cash dividends to net income (ytd only)* | 76.6089% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 5,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.8786% | 5,178 |
| Net loans and leases to deposits | 38.2536% | 5,242 |
| Net loans and leases to core deposits | 38.8544% | 5,253 |
| Total domestic deposits to total assets | 91.1772% | 186 |
| Equity capital to assets | 8.3443% | 5,015 |
| Core capital (leverage) ratio | 8.3838% | 5,151 |
| Tier 1 risk-based capital ratio | 17.2660% | 2,000 |
| Total risk-based capital ratio | 17.5849% | 2,266 |
| Memoranda: | ||
| Average total assets | $642,310,000 | 1,127 |
| Average earning assets | $619,808,500 | 1,087 |
| Average equity | $53,439,250 | 1,445 |
| Average total loans | $230,306,250 | 1,951 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9123% | 5,365 |
| Cost of funding earning assets | 0.0947% | 5,416 |
| Net interest margin | 2.8176% | 5,100 |
| Noninterest income to average assets | 0.4322% | 3,279 |
| Noninterest expense to average assets | 1.8893% | 4,974 |
| Loan and lease loss provision to assets | 0.0097% | 3,656 |
| Net operating income to assets | 0.9951% | 3,043 |
| Return on assets (ROA) | 0.9951% | 3,039 |
| Pretax return on assets | 1.2522% | 2,720 |
| Return on Equity (ROE) | 11.9719% | 1,731 |
| Retained earnings to average equity (ytd only) | 2.5866% | 4,221 |
| Net charge-offs to loans | -0.0086% | 4,273 |
| Credit loss provision to net charge-offs | -310.0000% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9564% | 3,941 |
| Assets per employee ($millions) | 5.8676% | 1,575 |
| Cash dividends to net income (ytd only)* | 78.3945% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 5,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 35.8456% | 5,186 |
| Net loans and leases to deposits | 39.2795% | 5,263 |
| Net loans and leases to core deposits | 40.0496% | 5,280 |
| Total domestic deposits to total assets | 91.2578% | 193 |
| Equity capital to assets | 8.2956% | 5,078 |
| Core capital (leverage) ratio | 8.3879% | 5,177 |
| Tier 1 risk-based capital ratio | 17.1515% | 2,048 |
| Total risk-based capital ratio | 17.4649% | 2,307 |
| Memoranda: | ||
| Average total assets | $640,964,000 | 1,136 |
| Average earning assets | $618,548,670 | 1,093 |
| Average equity | $53,274,670 | 1,453 |
| Average total loans | $231,594,000 | 1,946 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8326% | 5,440 |
| Cost of funding earning assets | 0.0766% | 5,507 |
| Net interest margin | 2.7560% | 5,203 |
| Noninterest income to average assets | 0.4271% | 3,269 |
| Noninterest expense to average assets | 1.9082% | 5,008 |
| Loan and lease loss provision to assets | 0.0388% | 2,972 |
| Net operating income to assets | 0.9056% | 3,264 |
| Return on assets (ROA) | 0.9056% | 3,272 |
| Pretax return on assets | 1.1391% | 3,004 |
| Return on Equity (ROE) | 10.8844% | 2,019 |
| Retained earnings to average equity (ytd only) | 1.4753% | 4,503 |
| Net charge-offs to loans | -0.0138% | 4,386 |
| Credit loss provision to net charge-offs | -775.0000% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8304% | 3,815 |
| Assets per employee ($millions) | 5.6727% | 1,788 |
| Cash dividends to net income (ytd only)* | 86.4454% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 5,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 35.7959% | 5,215 |
| Net loans and leases to deposits | 39.1879% | 5,284 |
| Net loans and leases to core deposits | 40.0418% | 5,306 |
| Total domestic deposits to total assets | 91.3442% | 221 |
| Equity capital to assets | 8.2112% | 5,172 |
| Core capital (leverage) ratio | 8.4734% | 5,158 |
| Tier 1 risk-based capital ratio | 17.0413% | 2,104 |
| Total risk-based capital ratio | 17.3648% | 2,371 |
| Memoranda: | ||
| Average total assets | $638,725,500 | 1,150 |
| Average earning assets | $616,250,000 | 1,109 |
| Average equity | $53,140,500 | 1,460 |
| Average total loans | $231,216,500 | 1,954 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7206% | 5,490 |
| Cost of funding earning assets | 0.0769% | 5,556 |
| Net interest margin | 2.6436% | 5,319 |
| Noninterest income to average assets | 0.4417% | 3,359 |
| Noninterest expense to average assets | 1.8728% | 5,156 |
| Loan and lease loss provision to assets | -0.0203% | 5,333 |
| Net operating income to assets | 0.6888% | 3,646 |
| Return on assets (ROA) | 0.6888% | 3,699 |
| Pretax return on assets | 1.1322% | 3,051 |
| Return on Equity (ROE) | 8.2004% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.5030% | 3,829 |
| Net charge-offs to loans | -0.0228% | 4,991 |
| Credit loss provision to net charge-offs | 254.0000% | 1,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7458% | 3,822 |
| Assets per employee ($millions) | 5.5820% | 1,860 |
| Cash dividends to net income (ytd only)* | 69.4766% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4114% | 5,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 36.3026% | 5,276 |
| Net loans and leases to deposits | 39.8422% | 5,343 |
| Net loans and leases to core deposits | 40.6828% | 5,371 |
| Total domestic deposits to total assets | 91.1160% | 214 |
| Equity capital to assets | 8.4310% | 5,166 |
| Core capital (leverage) ratio | 8.4071% | 5,216 |
| Tier 1 risk-based capital ratio | 17.0579% | 2,070 |
| Total risk-based capital ratio | 17.3606% | 2,333 |
| Memoranda: | ||
| Average total assets | $626,920,400 | 1,150 |
| Average earning assets | $603,072,400 | 1,110 |
| Average equity | $52,656,200 | 1,462 |
| Average total loans | $219,182,400 | 2,004 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6694% | 5,573 |
| Cost of funding earning assets | 0.0771% | 5,624 |
| Net interest margin | 2.5923% | 5,411 |
| Noninterest income to average assets | 0.4454% | 3,365 |
| Noninterest expense to average assets | 1.8823% | 5,160 |
| Loan and lease loss provision to assets | -0.0320% | 5,496 |
| Net operating income to assets | 0.7263% | 3,839 |
| Return on assets (ROA) | 0.7263% | 3,908 |
| Pretax return on assets | 1.0876% | 3,346 |
| Return on Equity (ROE) | 8.6559% | 2,782 |
| Retained earnings to average equity (ytd only) | 2.9445% | 4,157 |
| Net charge-offs to loans | -0.0240% | 4,916 |
| Credit loss provision to net charge-offs | 384.6154% | 798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0687% | 3,534 |
| Assets per employee ($millions) | 5.5358% | 1,891 |
| Cash dividends to net income (ytd only)* | 65.9826% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4177% | 5,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.4497% | 5,403 |
| Net loans and leases to deposits | 37.8506% | 5,462 |
| Net loans and leases to core deposits | 38.6740% | 5,484 |
| Total domestic deposits to total assets | 91.0149% | 183 |
| Equity capital to assets | 8.4307% | 5,327 |
| Core capital (leverage) ratio | 8.5131% | 5,239 |
| Tier 1 risk-based capital ratio | 17.4183% | 2,033 |
| Total risk-based capital ratio | 17.7171% | 2,282 |
| Memoranda: | ||
| Average total assets | $625,959,250 | 1,159 |
| Average earning assets | $601,864,000 | 1,117 |
| Average equity | $52,525,250 | 1,478 |
| Average total loans | $216,495,500 | 2,035 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6361% | 5,618 |
| Cost of funding earning assets | 0.0771% | 5,661 |
| Net interest margin | 2.5590% | 5,466 |
| Noninterest income to average assets | 0.4392% | 3,425 |
| Noninterest expense to average assets | 1.9005% | 5,185 |
| Loan and lease loss provision to assets | -0.0122% | 5,549 |
| Net operating income to assets | 0.6734% | 3,963 |
| Return on assets (ROA) | 0.6734% | 4,024 |
| Pretax return on assets | 1.0082% | 3,536 |
| Return on Equity (ROE) | 8.0384% | 3,010 |
| Retained earnings to average equity (ytd only) | 2.3022% | 4,302 |
| Net charge-offs to loans | -0.0093% | 4,505 |
| Credit loss provision to net charge-offs | 380.0000% | 813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6122% | 3,408 |
| Assets per employee ($millions) | 5.6804% | 1,720 |
| Cash dividends to net income (ytd only)* | 71.3606% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4515% | 5,562 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,329 |
| Noncurrent loans to loans | 0.0023% | 5,201 |
| Net loans and leases to total assets | 35.1117% | 5,412 |
| Net loans and leases to deposits | 38.5535% | 5,492 |
| Net loans and leases to core deposits | 39.9595% | 5,503 |
| Total domestic deposits to total assets | 91.0727% | 205 |
| Equity capital to assets | 8.4286% | 5,342 |
| Core capital (leverage) ratio | 8.3806% | 5,297 |
| Tier 1 risk-based capital ratio | 17.0394% | 2,150 |
| Total risk-based capital ratio | 17.3616% | 2,403 |
| Memoranda: | ||
| Average total assets | $624,250,330 | 1,165 |
| Average earning assets | $599,449,330 | 1,126 |
| Average equity | $52,298,670 | 1,487 |
| Average total loans | $215,887,670 | 2,040 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6049% | 5,684 |
| Cost of funding earning assets | 0.0775% | 5,722 |
| Net interest margin | 2.5275% | 5,525 |
| Noninterest income to average assets | 0.4699% | 3,188 |
| Noninterest expense to average assets | 1.9264% | 5,189 |
| Loan and lease loss provision to assets | -0.0160% | 5,668 |
| Net operating income to assets | 0.6577% | 3,900 |
| Return on assets (ROA) | 0.6577% | 3,935 |
| Pretax return on assets | 0.9860% | 3,423 |
| Return on Equity (ROE) | 7.8749% | 2,984 |
| Retained earnings to average equity (ytd only) | 2.1184% | 4,295 |
| Net charge-offs to loans | 0.0225% | 2,319 |
| Credit loss provision to net charge-offs | -208.3333% | 4,049 |
| Earnings coverage of net charge-offs (x) | 126.0833% | 434 |
| Efficiency ratio | 66.5117% | 3,409 |
| Assets per employee ($millions) | 5.5169% | 1,873 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4558% | 5,639 |
| Loan loss allowance to noncurrent loans | 6,162.5000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,160 |
| Noncurrent loans to loans | 0.0074% | 5,225 |
| Net loans and leases to total assets | 33.9427% | 5,472 |
| Net loans and leases to deposits | 37.1921% | 5,546 |
| Net loans and leases to core deposits | 38.6294% | 5,555 |
| Total domestic deposits to total assets | 91.2632% | 220 |
| Equity capital to assets | 8.2384% | 5,394 |
| Core capital (leverage) ratio | 8.4608% | 5,253 |
| Tier 1 risk-based capital ratio | 17.2176% | 2,115 |
| Total risk-based capital ratio | 17.5423% | 2,381 |
| Memoranda: | ||
| Average total assets | $623,951,500 | 1,165 |
| Average earning assets | $599,022,500 | 1,132 |
| Average equity | $52,115,000 | 1,481 |
| Average total loans | $213,636,500 | 2,075 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6112% | 5,723 |
| Cost of funding earning assets | 0.0855% | 5,758 |
| Net interest margin | 2.5257% | 5,571 |
| Noninterest income to average assets | 0.4671% | 3,432 |
| Noninterest expense to average assets | 1.8892% | 5,375 |
| Loan and lease loss provision to assets | -0.0373% | 5,556 |
| Net operating income to assets | 0.6962% | 3,799 |
| Return on assets (ROA) | 0.6962% | 3,906 |
| Pretax return on assets | 1.0391% | 3,332 |
| Return on Equity (ROE) | 8.1409% | 2,866 |
| Retained earnings to average equity (ytd only) | 2.3287% | 4,201 |
| Net charge-offs to loans | -0.0542% | 5,416 |
| Credit loss provision to net charge-offs | 204.5455% | 1,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3485% | 3,701 |
| Assets per employee ($millions) | 5.0699% | 2,313 |
| Cash dividends to net income (ytd only)* | 71.3946% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4850% | 5,670 |
| Loan loss allowance to noncurrent loans | 5,683.3333% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,195 |
| Noncurrent loans to loans | 0.0085% | 5,265 |
| Net loans and leases to total assets | 34.2185% | 5,544 |
| Net loans and leases to deposits | 37.5814% | 5,610 |
| Net loans and leases to core deposits | 39.2593% | 5,611 |
| Total domestic deposits to total assets | 91.0518% | 261 |
| Equity capital to assets | 8.4703% | 5,293 |
| Core capital (leverage) ratio | 8.3844% | 5,382 |
| Tier 1 risk-based capital ratio | 17.7694% | 1,914 |
| Total risk-based capital ratio | 18.1189% | 2,151 |
| Memoranda: | ||
| Average total assets | $603,523,800 | 1,163 |
| Average earning assets | $579,207,800 | 1,124 |
| Average equity | $51,616,200 | 1,482 |
| Average total loans | $202,975,400 | 2,097 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6079% | 5,793 |
| Cost of funding earning assets | 0.0860% | 5,823 |
| Net interest margin | 2.5219% | 5,642 |
| Noninterest income to average assets | 0.4676% | 3,441 |
| Noninterest expense to average assets | 1.8885% | 5,393 |
| Loan and lease loss provision to assets | -0.0379% | 5,702 |
| Net operating income to assets | 0.6950% | 3,879 |
| Return on assets (ROA) | 0.6950% | 4,011 |
| Pretax return on assets | 1.0373% | 3,485 |
| Return on Equity (ROE) | 8.1064% | 2,956 |
| Retained earnings to average equity (ytd only) | 2.2847% | 4,555 |
| Net charge-offs to loans | -0.0378% | 5,264 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3941% | 3,690 |
| Assets per employee ($millions) | 5.2768% | 2,069 |
| Cash dividends to net income (ytd only)* | 71.8163% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 5,729 |
| Loan loss allowance to noncurrent loans | 5,389.4737% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 4,325 |
| Noncurrent loans to loans | 0.0092% | 5,371 |
| Net loans and leases to total assets | 33.7221% | 5,630 |
| Net loans and leases to deposits | 37.1238% | 5,697 |
| Net loans and leases to core deposits | 38.7515% | 5,707 |
| Total domestic deposits to total assets | 90.8369% | 226 |
| Equity capital to assets | 8.5815% | 5,488 |
| Core capital (leverage) ratio | 8.5391% | 5,329 |
| Tier 1 risk-based capital ratio | 17.7142% | 1,999 |
| Total risk-based capital ratio | 18.0651% | 2,243 |
| Memoranda: | ||
| Average total assets | $601,039,000 | 1,165 |
| Average earning assets | $576,801,000 | 1,130 |
| Average equity | $51,529,750 | 1,492 |
| Average total loans | $200,984,000 | 2,118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6164% | 5,868 |
| Cost of funding earning assets | 0.0873% | 5,900 |
| Net interest margin | 2.5291% | 5,724 |
| Noninterest income to average assets | 0.4644% | 3,434 |
| Noninterest expense to average assets | 1.8858% | 5,482 |
| Loan and lease loss provision to assets | -0.0561% | 5,831 |
| Net operating income to assets | 0.7121% | 3,735 |
| Return on assets (ROA) | 0.7121% | 3,889 |
| Pretax return on assets | 1.0629% | 3,351 |
| Return on Equity (ROE) | 8.3081% | 2,830 |
| Retained earnings to average equity (ytd only) | 2.4655% | 4,312 |
| Net charge-offs to loans | -0.0471% | 5,341 |
| Credit loss provision to net charge-offs | 357.4468% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1933% | 3,810 |
| Assets per employee ($millions) | 5.2471% | 2,040 |
| Cash dividends to net income (ytd only)* | 70.3235% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5050% | 5,796 |
| Loan loss allowance to noncurrent loans | 5,085.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 4,375 |
| Noncurrent loans to loans | 0.0099% | 5,461 |
| Net loans and leases to total assets | 33.4961% | 5,695 |
| Net loans and leases to deposits | 36.9024% | 5,770 |
| Net loans and leases to core deposits | 38.5335% | 5,779 |
| Total domestic deposits to total assets | 90.7695% | 236 |
| Equity capital to assets | 8.6708% | 5,502 |
| Core capital (leverage) ratio | 8.5795% | 5,284 |
| Tier 1 risk-based capital ratio | 17.6574% | 2,026 |
| Total risk-based capital ratio | 18.0065% | 2,279 |
| Memoranda: | ||
| Average total assets | $599,106,330 | 1,176 |
| Average earning assets | $575,219,670 | 1,138 |
| Average equity | $51,347,670 | 1,504 |
| Average total loans | $199,424,670 | 2,131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5888% | 5,937 |
| Cost of funding earning assets | 0.0910% | 5,949 |
| Net interest margin | 2.4978% | 5,807 |
| Noninterest income to average assets | 0.4650% | 3,375 |
| Noninterest expense to average assets | 1.8907% | 5,535 |
| Loan and lease loss provision to assets | -0.0647% | 5,960 |
| Net operating income to assets | 0.6958% | 3,735 |
| Return on assets (ROA) | 0.6958% | 3,848 |
| Pretax return on assets | 1.0387% | 3,328 |
| Return on Equity (ROE) | 8.1662% | 2,819 |
| Retained earnings to average equity (ytd only) | 2.2941% | 4,341 |
| Net charge-offs to loans | -0.1189% | 5,701 |
| Credit loss provision to net charge-offs | 164.4068% | 1,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9991% | 3,802 |
| Assets per employee ($millions) | 5.5305% | 1,803 |
| Cash dividends to net income (ytd only)* | 71.9080% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 5,819 |
| Loan loss allowance to noncurrent loans | 70.3775% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 4,521 |
| Noncurrent loans to loans | 0.7825% | 2,887 |
| Net loans and leases to total assets | 32.9536% | 5,753 |
| Net loans and leases to deposits | 36.2388% | 5,822 |
| Net loans and leases to core deposits | 38.2995% | 5,813 |
| Total domestic deposits to total assets | 90.9347% | 292 |
| Equity capital to assets | 8.5224% | 5,554 |
| Core capital (leverage) ratio | 8.5815% | 5,309 |
| Tier 1 risk-based capital ratio | 17.4624% | 2,131 |
| Total risk-based capital ratio | 17.8383% | 2,391 |
| Memoranda: | ||
| Average total assets | $599,574,000 | 1,175 |
| Average earning assets | $576,022,000 | 1,132 |
| Average equity | $51,088,500 | 1,502 |
| Average total loans | $198,446,500 | 2,142 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5603% | 5,978 |
| Cost of funding earning assets | 0.0830% | 6,024 |
| Net interest margin | 2.4773% | 5,842 |
| Noninterest income to average assets | 0.4655% | 3,557 |
| Noninterest expense to average assets | 1.9151% | 5,597 |
| Loan and lease loss provision to assets | -0.0100% | 5,629 |
| Net operating income to assets | 0.6258% | 4,157 |
| Return on assets (ROA) | 0.6258% | 4,248 |
| Pretax return on assets | 0.9334% | 3,713 |
| Return on Equity (ROE) | 7.0838% | 3,470 |
| Retained earnings to average equity (ytd only) | 1.1493% | 5,053 |
| Net charge-offs to loans | -0.0798% | 5,711 |
| Credit loss provision to net charge-offs | 38.5135% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4691% | 3,669 |
| Assets per employee ($millions) | 5.3723% | 1,928 |
| Cash dividends to net income (ytd only)* | 83.7755% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 5,825 |
| Loan loss allowance to noncurrent loans | 4,947.8261% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,707 |
| Noncurrent loans to loans | 0.0117% | 5,488 |
| Net loans and leases to total assets | 32.8685% | 5,811 |
| Net loans and leases to deposits | 36.1333% | 5,884 |
| Net loans and leases to core deposits | 38.2420% | 5,873 |
| Total domestic deposits to total assets | 90.9645% | 288 |
| Equity capital to assets | 8.5192% | 5,550 |
| Core capital (leverage) ratio | 8.5055% | 5,425 |
| Tier 1 risk-based capital ratio | 17.6876% | 2,058 |
| Total risk-based capital ratio | 18.0838% | 2,295 |
| Memoranda: | ||
| Average total assets | $572,229,000 | 1,195 |
| Average earning assets | $548,141,800 | 1,148 |
| Average equity | $50,552,200 | 1,471 |
| Average total loans | $185,411,200 | 2,189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5417% | 6,073 |
| Cost of funding earning assets | 0.0794% | 6,124 |
| Net interest margin | 2.4623% | 5,935 |
| Noninterest income to average assets | 0.4686% | 3,574 |
| Noninterest expense to average assets | 1.9253% | 5,603 |
| Loan and lease loss provision to assets | 0.0014% | 4,215 |
| Net operating income to assets | 0.6049% | 4,358 |
| Return on assets (ROA) | 0.6049% | 4,458 |
| Pretax return on assets | 0.8998% | 3,981 |
| Return on Equity (ROE) | 6.7841% | 3,738 |
| Retained earnings to average equity (ytd only) | 0.8424% | 5,367 |
| Net charge-offs to loans | -0.0680% | 5,652 |
| Credit loss provision to net charge-offs | -6.4516% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1163% | 3,515 |
| Assets per employee ($millions) | 5.4203% | 1,853 |
| Cash dividends to net income (ytd only)* | 87.5828% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 5,888 |
| Loan loss allowance to noncurrent loans | 4,584.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,803 |
| Noncurrent loans to loans | 0.0131% | 5,587 |
| Net loans and leases to total assets | 31.9863% | 5,923 |
| Net loans and leases to deposits | 35.2259% | 5,997 |
| Net loans and leases to core deposits | 37.3256% | 5,987 |
| Total domestic deposits to total assets | 90.8033% | 302 |
| Equity capital to assets | 8.5886% | 5,651 |
| Core capital (leverage) ratio | 8.5809% | 5,481 |
| Tier 1 risk-based capital ratio | 17.8495% | 2,073 |
| Total risk-based capital ratio | 18.2542% | 2,322 |
| Memoranda: | ||
| Average total assets | $566,205,000 | 1,213 |
| Average earning assets | $542,196,250 | 1,166 |
| Average equity | $50,489,750 | 1,477 |
| Average total loans | $182,478,750 | 2,224 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5341% | 6,149 |
| Cost of funding earning assets | 0.0712% | 6,220 |
| Net interest margin | 2.4629% | 5,994 |
| Noninterest income to average assets | 0.4717% | 3,549 |
| Noninterest expense to average assets | 1.9566% | 5,621 |
| Loan and lease loss provision to assets | 0.0133% | 3,856 |
| Net operating income to assets | 0.5767% | 4,441 |
| Return on assets (ROA) | 0.5767% | 4,542 |
| Pretax return on assets | 0.8566% | 4,100 |
| Return on Equity (ROE) | 6.3842% | 3,941 |
| Retained earnings to average equity (ytd only) | 0.4325% | 5,371 |
| Net charge-offs to loans | -0.0156% | 5,074 |
| Credit loss provision to net charge-offs | -264.2857% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2239% | 3,455 |
| Assets per employee ($millions) | 5.4090% | 1,829 |
| Cash dividends to net income (ytd only)* | 93.2256% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 5,980 |
| Loan loss allowance to noncurrent loans | 4,223.0769% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,435 |
| Noncurrent loans to loans | 0.0141% | 5,709 |
| Net loans and leases to total assets | 31.6112% | 5,994 |
| Net loans and leases to deposits | 34.8464% | 6,068 |
| Net loans and leases to core deposits | 36.9690% | 6,046 |
| Total domestic deposits to total assets | 90.7158% | 380 |
| Equity capital to assets | 8.7129% | 5,514 |
| Core capital (leverage) ratio | 8.9708% | 5,010 |
| Tier 1 risk-based capital ratio | 18.1339% | 2,027 |
| Total risk-based capital ratio | 18.5295% | 2,254 |
| Memoranda: | ||
| Average total assets | $558,003,670 | 1,234 |
| Average earning assets | $533,525,670 | 1,193 |
| Average equity | $50,405,670 | 1,483 |
| Average total loans | $179,930,330 | 2,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5549% | 6,202 |
| Cost of funding earning assets | 0.0672% | 6,307 |
| Net interest margin | 2.4876% | 6,029 |
| Noninterest income to average assets | 0.4792% | 3,433 |
| Noninterest expense to average assets | 2.0072% | 5,565 |
| Loan and lease loss provision to assets | -0.0022% | 6,072 |
| Net operating income to assets | 0.5741% | 4,391 |
| Return on assets (ROA) | 0.5741% | 4,492 |
| Pretax return on assets | 0.8524% | 4,049 |
| Return on Equity (ROE) | 6.2387% | 3,910 |
| Retained earnings to average equity (ytd only) | 0.2857% | 5,280 |
| Net charge-offs to loans | -0.0112% | 4,770 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2454% | 3,440 |
| Assets per employee ($millions) | 4.8494% | 2,563 |
| Cash dividends to net income (ytd only)* | 95.4198% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 6,076 |
| Loan loss allowance to noncurrent loans | 3,746.4286% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,504 |
| Noncurrent loans to loans | 0.0157% | 5,741 |
| Net loans and leases to total assets | 32.0027% | 6,000 |
| Net loans and leases to deposits | 35.4425% | 6,078 |
| Net loans and leases to core deposits | 36.0696% | 6,098 |
| Total domestic deposits to total assets | 90.2947% | 612 |
| Equity capital to assets | 9.1238% | 5,169 |
| Core capital (leverage) ratio | 9.2005% | 4,710 |
| Tier 1 risk-based capital ratio | 19.7751% | 1,676 |
| Total risk-based capital ratio | 20.1878% | 1,854 |
| Memoranda: | ||
| Average total assets | $547,625,500 | 1,255 |
| Average earning assets | $523,550,000 | 1,219 |
| Average equity | $50,395,000 | 1,489 |
| Average total loans | $177,870,000 | 2,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7716% | 6,223 |
| Cost of funding earning assets | 0.0778% | 6,375 |
| Net interest margin | 2.6938% | 5,952 |
| Noninterest income to average assets | 0.4893% | 3,591 |
| Noninterest expense to average assets | 2.0375% | 5,704 |
| Loan and lease loss provision to assets | 0.2869% | 729 |
| Net operating income to assets | 0.4951% | 4,834 |
| Return on assets (ROA) | 0.4951% | 4,923 |
| Pretax return on assets | 0.7317% | 4,503 |
| Return on Equity (ROE) | 5.3367% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.8209% | 5,400 |
| Net charge-offs to loans | 1.4957% | 164 |
| Credit loss provision to net charge-offs | 58.3712% | 3,319 |
| Earnings coverage of net charge-offs (x) | 2.0723% | 4,253 |
| Efficiency ratio | 66.6687% | 4,118 |
| Assets per employee ($millions) | 4.8002% | 2,591 |
| Cash dividends to net income (ytd only)* | 84.6183% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 6,155 |
| Loan loss allowance to noncurrent loans | 3,610.3448% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 5,570 |
| Noncurrent loans to loans | 0.0163% | 5,836 |
| Net loans and leases to total assets | 32.5805% | 6,096 |
| Net loans and leases to deposits | 36.1383% | 6,170 |
| Net loans and leases to core deposits | 36.7807% | 6,188 |
| Total domestic deposits to total assets | 90.1549% | 669 |
| Equity capital to assets | 9.2827% | 4,968 |
| Core capital (leverage) ratio | 9.2155% | 4,655 |
| Tier 1 risk-based capital ratio | 20.1412% | 1,568 |
| Total risk-based capital ratio | 20.5611% | 1,737 |
| Memoranda: | ||
| Average total assets | $537,080,000 | 1,248 |
| Average earning assets | $511,758,600 | 1,198 |
| Average equity | $49,824,800 | 1,448 |
| Average total loans | $176,504,200 | 2,265 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7667% | 6,301 |
| Cost of funding earning assets | 0.0799% | 6,454 |
| Net interest margin | 2.6867% | 6,019 |
| Noninterest income to average assets | 0.4893% | 3,619 |
| Noninterest expense to average assets | 2.0514% | 5,674 |
| Loan and lease loss provision to assets | 0.3982% | 425 |
| Net operating income to assets | 0.4071% | 5,220 |
| Return on assets (ROA) | 0.4071% | 5,295 |
| Pretax return on assets | 0.5990% | 5,029 |
| Return on Equity (ROE) | 4.3895% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.0357% | 5,471 |
| Net charge-offs to loans | 2.0008% | 103 |
| Credit loss provision to net charge-offs | 60.5144% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.5155% | 4,141 |
| Efficiency ratio | 67.2898% | 3,991 |
| Assets per employee ($millions) | 4.7575% | 2,585 |
| Cash dividends to net income (ytd only)* | 76.4061% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 6,206 |
| Loan loss allowance to noncurrent loans | 227.2165% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 5,425 |
| Noncurrent loans to loans | 0.2701% | 5,103 |
| Net loans and leases to total assets | 32.9066% | 6,155 |
| Net loans and leases to deposits | 36.5424% | 6,226 |
| Net loans and leases to core deposits | 37.2383% | 6,254 |
| Total domestic deposits to total assets | 90.0504% | 712 |
| Equity capital to assets | 9.2797% | 5,058 |
| Core capital (leverage) ratio | 9.3248% | 4,607 |
| Tier 1 risk-based capital ratio | 19.7655% | 1,722 |
| Total risk-based capital ratio | 20.1994% | 1,886 |
| Memoranda: | ||
| Average total assets | $535,745,000 | 1,255 |
| Average earning assets | $510,343,750 | 1,212 |
| Average equity | $49,693,250 | 1,452 |
| Average total loans | $176,187,750 | 2,281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 6,354 |
| Cost of funding earning assets | 0.0819% | 6,520 |
| Net interest margin | 2.6920% | 6,060 |
| Noninterest income to average assets | 0.5008% | 3,479 |
| Noninterest expense to average assets | 2.0681% | 5,692 |
| Loan and lease loss provision to assets | 0.8172% | 148 |
| Net operating income to assets | 0.1304% | 5,989 |
| Return on assets (ROA) | 0.1304% | 6,028 |
| Pretax return on assets | 0.1799% | 5,974 |
| Return on Equity (ROE) | 1.4066% | 5,969 |
| Retained earnings to average equity (ytd only) | -2.6353% | 6,065 |
| Net charge-offs to loans | 3.6947% | 31 |
| Credit loss provision to net charge-offs | 67.4088% | 2,517 |
| Earnings coverage of net charge-offs (x) | 0.8225% | 3,964 |
| Efficiency ratio | 67.4697% | 4,118 |
| Assets per employee ($millions) | 4.6219% | 2,736 |
| Cash dividends to net income (ytd only)* | 287.3563% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 6,295 |
| Loan loss allowance to noncurrent loans | 115.6780% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,197 |
| Noncurrent loans to loans | 0.5304% | 4,423 |
| Net loans and leases to total assets | 33.5685% | 6,175 |
| Net loans and leases to deposits | 37.2840% | 6,250 |
| Net loans and leases to core deposits | 38.0188% | 6,273 |
| Total domestic deposits to total assets | 90.0347% | 791 |
| Equity capital to assets | 9.3768% | 4,865 |
| Core capital (leverage) ratio | 9.1764% | 4,773 |
| Tier 1 risk-based capital ratio | 19.2197% | 1,871 |
| Total risk-based capital ratio | 19.6466% | 2,066 |
| Memoranda: | ||
| Average total assets | $533,542,000 | 1,256 |
| Average earning assets | $508,241,670 | 1,206 |
| Average equity | $49,481,330 | 1,454 |
| Average total loans | $175,059,670 | 2,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6931% | 6,469 |
| Cost of funding earning assets | 0.0844% | 6,597 |
| Net interest margin | 2.6086% | 6,227 |
| Noninterest income to average assets | 0.4955% | 3,445 |
| Noninterest expense to average assets | 2.0631% | 5,754 |
| Loan and lease loss provision to assets | 1.5661% | 60 |
| Net operating income to assets | -0.4157% | 6,437 |
| Return on assets (ROA) | -0.4157% | 6,440 |
| Pretax return on assets | -0.6475% | 6,495 |
| Return on Equity (ROE) | -4.5074% | 6,454 |
| Retained earnings to average equity (ytd only) | -10.5656% | 6,380 |
| Net charge-offs to loans | 7.4928% | 8 |
| Credit loss provision to net charge-offs | 64.6371% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.3792% | 3,357 |
| Efficiency ratio | 69.1904% | 3,968 |
| Assets per employee ($millions) | 4.6229% | 2,768 |
| Cash dividends to net income (ytd only)* | -134.4086% | 6,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 6,431 |
| Loan loss allowance to noncurrent loans | 77.4495% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 5,107 |
| Noncurrent loans to loans | 0.7527% | 3,984 |
| Net loans and leases to total assets | 31.6744% | 6,280 |
| Net loans and leases to deposits | 35.0329% | 6,347 |
| Net loans and leases to core deposits | 35.8566% | 6,369 |
| Total domestic deposits to total assets | 90.4134% | 853 |
| Equity capital to assets | 9.1027% | 4,997 |
| Core capital (leverage) ratio | 9.1572% | 4,779 |
| Tier 1 risk-based capital ratio | 19.4710% | 1,842 |
| Total risk-based capital ratio | 19.8708% | 2,048 |
| Memoranda: | ||
| Average total assets | $536,864,000 | 1,261 |
| Average earning assets | $511,682,500 | 1,202 |
| Average equity | $49,519,000 | 1,455 |
| Average total loans | $173,607,500 | 2,304 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 6,360 |
| Cost of funding earning assets | 0.1065% | 6,658 |
| Net interest margin | 2.8763% | 5,835 |
| Noninterest income to average assets | 0.5351% | 3,519 |
| Noninterest expense to average assets | 2.0958% | 5,838 |
| Loan and lease loss provision to assets | 0.1578% | 2,310 |
| Net operating income to assets | 0.6856% | 3,869 |
| Return on assets (ROA) | 0.6856% | 3,962 |
| Pretax return on assets | 1.0172% | 3,283 |
| Return on Equity (ROE) | 7.0284% | 3,545 |
| Retained earnings to average equity (ytd only) | 1.0721% | 5,353 |
| Net charge-offs to loans | 0.0623% | 4,341 |
| Credit loss provision to net charge-offs | 761.6822% | 322 |
| Earnings coverage of net charge-offs (x) | 56.7009% | 722 |
| Efficiency ratio | 64.0751% | 4,879 |
| Assets per employee ($millions) | 4.5548% | 2,814 |
| Cash dividends to net income (ytd only)* | 84.7458% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 4,561 |
| Loan loss allowance to noncurrent loans | 44.8204% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 3,664 |
| Noncurrent loans to loans | 2.7149% | 1,338 |
| Net loans and leases to total assets | 32.4141% | 6,367 |
| Net loans and leases to deposits | 35.9849% | 6,427 |
| Net loans and leases to core deposits | 36.7689% | 6,447 |
| Total domestic deposits to total assets | 90.0772% | 1,035 |
| Equity capital to assets | 9.3445% | 4,629 |
| Core capital (leverage) ratio | 9.4957% | 4,280 |
| Tier 1 risk-based capital ratio | 20.0263% | 1,650 |
| Total risk-based capital ratio | 20.8890% | 1,711 |
| Memoranda: | ||
| Average total assets | $516,317,200 | 1,286 |
| Average earning assets | $491,080,000 | 1,245 |
| Average equity | $50,367,400 | 1,410 |
| Average total loans | $171,638,200 | 2,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 6,371 |
| Cost of funding earning assets | 0.1091% | 6,750 |
| Net interest margin | 2.9407% | 5,711 |
| Noninterest income to average assets | 0.5518% | 3,443 |
| Noninterest expense to average assets | 2.1295% | 5,770 |
| Loan and lease loss provision to assets | -0.0303% | 6,511 |
| Net operating income to assets | 0.8344% | 3,169 |
| Return on assets (ROA) | 0.8344% | 3,299 |
| Pretax return on assets | 1.2456% | 2,527 |
| Return on Equity (ROE) | 8.4596% | 2,898 |
| Retained earnings to average equity (ytd only) | 2.5077% | 4,817 |
| Net charge-offs to loans | 0.0962% | 3,600 |
| Credit loss provision to net charge-offs | -94.3089% | 5,778 |
| Earnings coverage of net charge-offs (x) | 37.8690% | 1,045 |
| Efficiency ratio | 63.6661% | 4,858 |
| Assets per employee ($millions) | 4.4475% | 2,962 |
| Cash dividends to net income (ytd only)* | 70.3566% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 6,475 |
| Loan loss allowance to noncurrent loans | 324.0541% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 6,183 |
| Noncurrent loans to loans | 0.2065% | 5,727 |
| Net loans and leases to total assets | 34.5031% | 6,342 |
| Net loans and leases to deposits | 38.5874% | 6,426 |
| Net loans and leases to core deposits | 39.3999% | 6,466 |
| Total domestic deposits to total assets | 89.4154% | 1,347 |
| Equity capital to assets | 9.8207% | 4,151 |
| Core capital (leverage) ratio | 9.7270% | 4,065 |
| Tier 1 risk-based capital ratio | 19.8907% | 1,758 |
| Total risk-based capital ratio | 20.3656% | 1,921 |
| Memoranda: | ||
| Average total assets | $511,029,250 | 1,308 |
| Average earning assets | $485,360,000 | 1,274 |
| Average equity | $50,403,250 | 1,416 |
| Average total loans | $170,457,250 | 2,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 6,425 |
| Cost of funding earning assets | 0.1112% | 6,802 |
| Net interest margin | 2.9132% | 5,773 |
| Noninterest income to average assets | 0.5532% | 3,478 |
| Noninterest expense to average assets | 2.1751% | 5,690 |
| Loan and lease loss provision to assets | -0.0393% | 6,630 |
| Net operating income to assets | 0.7939% | 3,327 |
| Return on assets (ROA) | 0.7939% | 3,486 |
| Pretax return on assets | 1.1841% | 2,745 |
| Return on Equity (ROE) | 8.0373% | 3,074 |
| Retained earnings to average equity (ytd only) | 2.0749% | 4,957 |
| Net charge-offs to loans | 0.1552% | 2,862 |
| Credit loss provision to net charge-offs | -76.9231% | 5,580 |
| Earnings coverage of net charge-offs (x) | 22.4308% | 1,369 |
| Efficiency ratio | 65.5156% | 4,629 |
| Assets per employee ($millions) | 4.3264% | 3,130 |
| Cash dividends to net income (ytd only)* | 74.1840% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 6,504 |
| Loan loss allowance to noncurrent loans | 37.2495% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 4,609 |
| Noncurrent loans to loans | 1.8595% | 2,548 |
| Net loans and leases to total assets | 33.9261% | 6,414 |
| Net loans and leases to deposits | 37.9334% | 6,489 |
| Net loans and leases to core deposits | 38.7049% | 6,515 |
| Total domestic deposits to total assets | 89.4359% | 1,355 |
| Equity capital to assets | 9.8769% | 4,085 |
| Core capital (leverage) ratio | 9.7125% | 3,916 |
| Tier 1 risk-based capital ratio | 20.4164% | 1,626 |
| Total risk-based capital ratio | 20.9117% | 1,785 |
| Memoranda: | ||
| Average total assets | $509,403,000 | 1,310 |
| Average earning assets | $483,793,330 | 1,274 |
| Average equity | $50,315,670 | 1,422 |
| Average total loans | $167,542,000 | 2,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0719% | 6,429 |
| Cost of funding earning assets | 0.1136% | 6,881 |
| Net interest margin | 2.9583% | 5,683 |
| Noninterest income to average assets | 0.5487% | 3,449 |
| Noninterest expense to average assets | 2.1924% | 5,706 |
| Loan and lease loss provision to assets | -0.1014% | 6,836 |
| Net operating income to assets | 0.8458% | 2,920 |
| Return on assets (ROA) | 0.8458% | 3,060 |
| Pretax return on assets | 1.2632% | 2,359 |
| Return on Equity (ROE) | 8.5631% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.5944% | 4,726 |
| Net charge-offs to loans | 0.0536% | 3,289 |
| Credit loss provision to net charge-offs | -586.3636% | 5,514 |
| Earnings coverage of net charge-offs (x) | 67.1818% | 534 |
| Efficiency ratio | 65.3621% | 4,771 |
| Assets per employee ($millions) | 4.1346% | 3,663 |
| Cash dividends to net income (ytd only)* | 69.7026% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 6,501 |
| Loan loss allowance to noncurrent loans | 39.2258% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 4,717 |
| Noncurrent loans to loans | 1.9684% | 2,653 |
| Net loans and leases to total assets | 32.7896% | 6,477 |
| Net loans and leases to deposits | 36.7167% | 6,546 |
| Net loans and leases to core deposits | 37.7472% | 6,569 |
| Total domestic deposits to total assets | 89.3043% | 1,486 |
| Equity capital to assets | 9.9848% | 4,167 |
| Core capital (leverage) ratio | 9.8226% | 3,635 |
| Tier 1 risk-based capital ratio | 20.6385% | 1,629 |
| Total risk-based capital ratio | 21.1741% | 1,766 |
| Memoranda: | ||
| Average total assets | $508,848,000 | 1,324 |
| Average earning assets | $482,571,000 | 1,286 |
| Average equity | $50,262,000 | 1,447 |
| Average total loans | $164,110,500 | 2,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 6,442 |
| Cost of funding earning assets | 0.1463% | 6,923 |
| Net interest margin | 3.2888% | 5,285 |
| Noninterest income to average assets | 0.6190% | 3,174 |
| Noninterest expense to average assets | 2.3587% | 5,532 |
| Loan and lease loss provision to assets | -0.0283% | 6,844 |
| Net operating income to assets | 0.9307% | 2,643 |
| Return on assets (ROA) | 0.9307% | 2,891 |
| Pretax return on assets | 1.3962% | 2,050 |
| Return on Equity (ROE) | 9.2984% | 2,485 |
| Retained earnings to average equity (ytd only) | 1.0904% | 5,327 |
| Net charge-offs to loans | 0.0366% | 5,413 |
| Credit loss provision to net charge-offs | -232.7869% | 6,413 |
| Earnings coverage of net charge-offs (x) | 112.5902% | 340 |
| Efficiency ratio | 63.2943% | 5,019 |
| Assets per employee ($millions) | 4.1729% | 3,604 |
| Cash dividends to net income (ytd only)* | 88.2731% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 6,288 |
| Loan loss allowance to noncurrent loans | 42.7594% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 4,318 |
| Noncurrent loans to loans | 2.0819% | 2,602 |
| Net loans and leases to total assets | 31.1915% | 6,657 |
| Net loans and leases to deposits | 34.8007% | 6,714 |
| Net loans and leases to core deposits | 35.7462% | 6,734 |
| Total domestic deposits to total assets | 89.6291% | 1,172 |
| Equity capital to assets | 9.7722% | 4,495 |
| Core capital (leverage) ratio | 9.6051% | 3,954 |
| Tier 1 risk-based capital ratio | 20.6374% | 1,538 |
| Total risk-based capital ratio | 21.2396% | 1,656 |
| Memoranda: | ||
| Average total assets | $502,093,000 | 1,328 |
| Average earning assets | $474,422,400 | 1,284 |
| Average equity | $50,256,200 | 1,410 |
| Average total loans | $166,881,000 | 2,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 6,489 |
| Cost of funding earning assets | 0.1526% | 7,033 |
| Net interest margin | 3.3668% | 5,154 |
| Noninterest income to average assets | 0.6358% | 3,072 |
| Noninterest expense to average assets | 2.3611% | 5,513 |
| Loan and lease loss provision to assets | -0.0358% | 6,980 |
| Net operating income to assets | 0.9968% | 2,527 |
| Return on assets (ROA) | 0.9968% | 2,747 |
| Pretax return on assets | 1.4911% | 1,915 |
| Return on Equity (ROE) | 9.8988% | 2,395 |
| Retained earnings to average equity (ytd only) | 1.9437% | 5,357 |
| Net charge-offs to loans | 0.0388% | 5,109 |
| Credit loss provision to net charge-offs | -273.4694% | 6,371 |
| Earnings coverage of net charge-offs (x) | 111.2275% | 385 |
| Efficiency ratio | 61.8668% | 5,170 |
| Assets per employee ($millions) | 4.2227% | 3,420 |
| Cash dividends to net income (ytd only)* | 80.3643% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,433 |
| Loan loss allowance to noncurrent loans | 43.2513% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 4,527 |
| Noncurrent loans to loans | 2.0324% | 2,809 |
| Net loans and leases to total assets | 32.4444% | 6,731 |
| Net loans and leases to deposits | 36.3012% | 6,807 |
| Net loans and leases to core deposits | 37.3165% | 6,827 |
| Total domestic deposits to total assets | 89.3753% | 1,201 |
| Equity capital to assets | 9.9527% | 4,566 |
| Core capital (leverage) ratio | 9.7354% | 3,895 |
| Tier 1 risk-based capital ratio | 20.3732% | 1,664 |
| Total risk-based capital ratio | 20.9738% | 1,799 |
| Memoranda: | ||
| Average total assets | $499,298,500 | 1,356 |
| Average earning assets | $471,690,000 | 1,310 |
| Average equity | $50,280,750 | 1,422 |
| Average total loans | $168,217,500 | 2,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 6,505 |
| Cost of funding earning assets | 0.1603% | 7,095 |
| Net interest margin | 3.4260% | 4,986 |
| Noninterest income to average assets | 0.6248% | 3,101 |
| Noninterest expense to average assets | 2.4383% | 5,330 |
| Loan and lease loss provision to assets | -0.0221% | 7,047 |
| Net operating income to assets | 0.9657% | 2,598 |
| Return on assets (ROA) | 0.9657% | 2,845 |
| Pretax return on assets | 1.4444% | 2,032 |
| Return on Equity (ROE) | 9.5521% | 2,556 |
| Retained earnings to average equity (ytd only) | 2.0864% | 5,156 |
| Net charge-offs to loans | 0.0627% | 4,551 |
| Credit loss provision to net charge-offs | -103.7736% | 6,067 |
| Earnings coverage of net charge-offs (x) | 66.6604% | 586 |
| Efficiency ratio | 63.1595% | 5,057 |
| Assets per employee ($millions) | 4.2479% | 3,366 |
| Cash dividends to net income (ytd only)* | 78.1576% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 6,399 |
| Loan loss allowance to noncurrent loans | 34.9044% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,217 |
| Noncurrent loans to loans | 2.6499% | 2,270 |
| Net loans and leases to total assets | 32.4845% | 6,791 |
| Net loans and leases to deposits | 36.3388% | 6,865 |
| Net loans and leases to core deposits | 37.4581% | 6,878 |
| Total domestic deposits to total assets | 89.3933% | 1,278 |
| Equity capital to assets | 9.9438% | 4,425 |
| Core capital (leverage) ratio | 9.9115% | 3,552 |
| Tier 1 risk-based capital ratio | 20.3647% | 1,620 |
| Total risk-based capital ratio | 20.9986% | 1,739 |
| Memoranda: | ||
| Average total assets | $496,822,670 | 1,361 |
| Average earning assets | $469,238,670 | 1,320 |
| Average equity | $50,230,000 | 1,411 |
| Average total loans | $169,002,670 | 2,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 6,843 |
| Cost of funding earning assets | 0.1559% | 7,176 |
| Net interest margin | 3.2126% | 5,751 |
| Noninterest income to average assets | 0.4990% | 3,916 |
| Noninterest expense to average assets | 1.9752% | 6,512 |
| Loan and lease loss provision to assets | -0.0283% | 7,128 |
| Net operating income to assets | 1.0648% | 2,228 |
| Return on assets (ROA) | 1.0648% | 2,423 |
| Pretax return on assets | 1.5984% | 1,585 |
| Return on Equity (ROE) | 9.6220% | 2,553 |
| Retained earnings to average equity (ytd only) | 0.9064% | 5,701 |
| Net charge-offs to loans | -0.0131% | 6,031 |
| Credit loss provision to net charge-offs | 733.3333% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7127% | 6,154 |
| Assets per employee ($millions) | 4.5317% | 2,934 |
| Cash dividends to net income (ytd only)* | 90.5797% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,276 |
| Loan loss allowance to noncurrent loans | 26.4560% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4369% | 3,709 |
| Noncurrent loans to loans | 3.7544% | 1,655 |
| Net loans and leases to total assets | 28.8175% | 6,951 |
| Net loans and leases to deposits | 32.5327% | 6,995 |
| Net loans and leases to core deposits | 33.1897% | 7,014 |
| Total domestic deposits to total assets | 88.5803% | 1,966 |
| Equity capital to assets | 11.0129% | 2,893 |
| Core capital (leverage) ratio | 10.8873% | 2,352 |
| Tier 1 risk-based capital ratio | 24.4681% | 956 |
| Total risk-based capital ratio | 25.1227% | 1,010 |
| Memoranda: | ||
| Average total assets | $311,052,500 | 2,093 |
| Average earning assets | $294,968,000 | 2,014 |
| Average equity | $34,421,000 | 2,009 |
| Average total loans | $91,675,500 | 3,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 6,733 |
| Cost of funding earning assets | 0.2527% | 7,175 |
| Net interest margin | 3.5468% | 4,955 |
| Noninterest income to average assets | 0.5005% | 3,836 |
| Noninterest expense to average assets | 2.1610% | 6,355 |
| Loan and lease loss provision to assets | -0.1775% | 7,299 |
| Net operating income to assets | 1.2570% | 1,360 |
| Return on assets (ROA) | 1.2570% | 1,458 |
| Pretax return on assets | 1.8901% | 679 |
| Return on Equity (ROE) | 11.8919% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.8919% | 314 |
| Net charge-offs to loans | 0.1350% | 5,065 |
| Credit loss provision to net charge-offs | -403.7037% | 6,801 |
| Earnings coverage of net charge-offs (x) | 38.9556% | 691 |
| Efficiency ratio | 55.7881% | 6,339 |
| Assets per employee ($millions) | 4.5503% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,222 |
| Loan loss allowance to noncurrent loans | 27.0120% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 3,796 |
| Noncurrent loans to loans | 3.7005% | 1,703 |
| Net loans and leases to total assets | 29.5443% | 7,026 |
| Net loans and leases to deposits | 33.3387% | 7,064 |
| Net loans and leases to core deposits | 33.9820% | 7,078 |
| Total domestic deposits to total assets | 88.6186% | 1,774 |
| Equity capital to assets | 11.1196% | 2,870 |
| Core capital (leverage) ratio | 10.8604% | 2,386 |
| Tier 1 risk-based capital ratio | 24.4840% | 928 |
| Total risk-based capital ratio | 25.1543% | 960 |
| Memoranda: | ||
| Average total assets | $307,077,800 | 2,082 |
| Average earning assets | $292,038,200 | 2,005 |
| Average equity | $32,459,000 | 2,051 |
| Average total loans | $99,981,000 | 3,621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 6,746 |
| Cost of funding earning assets | 0.2757% | 7,253 |
| Net interest margin | 3.6108% | 4,722 |
| Noninterest income to average assets | 0.4533% | 4,272 |
| Noninterest expense to average assets | 2.1529% | 6,390 |
| Loan and lease loss provision to assets | -0.2358% | 7,391 |
| Net operating income to assets | 1.3125% | 1,343 |
| Return on assets (ROA) | 1.3125% | 1,433 |
| Pretax return on assets | 1.9719% | 662 |
| Return on Equity (ROE) | 12.5814% | 1,392 |
| Retained earnings to average equity (ytd only) | 12.5814% | 421 |
| Net charge-offs to loans | 0.0249% | 5,795 |
| Credit loss provision to net charge-offs | -2,852.6316% | 6,857 |
| Earnings coverage of net charge-offs (x) | 210.0750% | 185 |
| Efficiency ratio | 55.3579% | 6,355 |
| Assets per employee ($millions) | 4.4949% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,020 |
| Loan loss allowance to noncurrent loans | 28.8084% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 4,087 |
| Noncurrent loans to loans | 3.6757% | 1,861 |
| Net loans and leases to total assets | 31.3922% | 7,039 |
| Net loans and leases to deposits | 35.3803% | 7,089 |
| Net loans and leases to core deposits | 36.0627% | 7,120 |
| Total domestic deposits to total assets | 88.7279% | 1,597 |
| Equity capital to assets | 10.8416% | 3,299 |
| Core capital (leverage) ratio | 10.6945% | 2,671 |
| Tier 1 risk-based capital ratio | 23.0140% | 1,146 |
| Total risk-based capital ratio | 23.7436% | 1,194 |
| Memoranda: | ||
| Average total assets | $306,493,000 | 2,093 |
| Average earning assets | $291,633,750 | 2,020 |
| Average equity | $31,972,250 | 2,076 |
| Average total loans | $101,891,750 | 3,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 6,766 |
| Cost of funding earning assets | 0.2974% | 7,313 |
| Net interest margin | 3.6348% | 4,579 |
| Noninterest income to average assets | 0.4527% | 4,267 |
| Noninterest expense to average assets | 2.1613% | 6,480 |
| Loan and lease loss provision to assets | -0.4285% | 7,476 |
| Net operating income to assets | 1.4492% | 981 |
| Return on assets (ROA) | 1.4492% | 1,041 |
| Pretax return on assets | 2.1790% | 424 |
| Return on Equity (ROE) | 14.0796% | 966 |
| Retained earnings to average equity (ytd only) | 14.0796% | 310 |
| Net charge-offs to loans | 0.0388% | 5,309 |
| Credit loss provision to net charge-offs | -3,270.0000% | 6,738 |
| Earnings coverage of net charge-offs (x) | 133.6000% | 266 |
| Efficiency ratio | 55.2504% | 6,483 |
| Assets per employee ($millions) | 4.4878% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,588 |
| Loan loss allowance to noncurrent loans | 27.1876% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 4,348 |
| Noncurrent loans to loans | 3.4024% | 2,088 |
| Net loans and leases to total assets | 32.6051% | 7,090 |
| Net loans and leases to deposits | 36.6731% | 7,160 |
| Net loans and leases to core deposits | 37.4248% | 7,186 |
| Total domestic deposits to total assets | 88.9075% | 1,591 |
| Equity capital to assets | 10.7085% | 3,276 |
| Core capital (leverage) ratio | 10.4809% | 2,730 |
| Tier 1 risk-based capital ratio | 22.2121% | 1,225 |
| Total risk-based capital ratio | 22.8557% | 1,286 |
| Memoranda: | ||
| Average total assets | $305,275,000 | 2,112 |
| Average earning assets | $290,524,670 | 2,034 |
| Average equity | $31,421,330 | 2,099 |
| Average total loans | $103,054,330 | 3,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 6,784 |
| Cost of funding earning assets | 0.3138% | 7,365 |
| Net interest margin | 3.6192% | 4,485 |
| Noninterest income to average assets | 0.4520% | 4,264 |
| Noninterest expense to average assets | 2.1721% | 6,484 |
| Loan and lease loss provision to assets | -0.2515% | 7,515 |
| Net operating income to assets | 1.3153% | 1,230 |
| Return on assets (ROA) | 1.3153% | 1,278 |
| Pretax return on assets | 1.9769% | 581 |
| Return on Equity (ROE) | 13.0421% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.0421% | 581 |
| Net charge-offs to loans | 0.0805% | 4,137 |
| Credit loss provision to net charge-offs | -914.2857% | 6,094 |
| Earnings coverage of net charge-offs (x) | 62.7143% | 474 |
| Efficiency ratio | 55.7311% | 6,530 |
| Assets per employee ($millions) | 4.4715% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 4,820 |
| Loan loss allowance to noncurrent loans | 21.9902% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 2,911 |
| Noncurrent loans to loans | 6.2161% | 995 |
| Net loans and leases to total assets | 32.9860% | 7,125 |
| Net loans and leases to deposits | 36.9619% | 7,197 |
| Net loans and leases to core deposits | 37.6350% | 7,230 |
| Total domestic deposits to total assets | 89.2433% | 1,618 |
| Equity capital to assets | 10.3048% | 3,405 |
| Core capital (leverage) ratio | 10.0372% | 3,101 |
| Tier 1 risk-based capital ratio | 21.1073% | 1,372 |
| Total risk-based capital ratio | 22.0582% | 1,407 |
| Memoranda: | ||
| Average total assets | $305,327,500 | 2,118 |
| Average earning assets | $290,670,500 | 2,052 |
| Average equity | $30,792,500 | 2,124 |
| Average total loans | $104,366,500 | 3,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 6,911 |
| Cost of funding earning assets | 0.5547% | 7,221 |
| Net interest margin | 3.6521% | 4,564 |
| Noninterest income to average assets | 0.3814% | 5,048 |
| Noninterest expense to average assets | 2.0681% | 6,914 |
| Loan and lease loss provision to assets | 0.6380% | 2,581 |
| Net operating income to assets | 0.7650% | 2,935 |
| Return on assets (ROA) | 0.7650% | 3,060 |
| Pretax return on assets | 1.1425% | 2,425 |
| Return on Equity (ROE) | 8.9403% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.0858% | 1,771 |
| Net charge-offs to loans | 1.2945% | 1,722 |
| Credit loss provision to net charge-offs | 129.9934% | 3,065 |
| Earnings coverage of net charge-offs (x) | 3.6277% | 3,267 |
| Efficiency ratio | 53.7361% | 6,830 |
| Assets per employee ($millions) | 4.6453% | 2,630 |
| Cash dividends to net income (ytd only)* | 31.9285% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 4,028 |
| Loan loss allowance to noncurrent loans | 24.6085% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 2.3794% | 2,886 |
| Noncurrent loans to loans | 6.0853% | 1,014 |
| Net loans and leases to total assets | 34.3915% | 7,211 |
| Net loans and leases to deposits | 38.3413% | 7,298 |
| Net loans and leases to core deposits | 39.1640% | 7,321 |
| Total domestic deposits to total assets | 89.6984% | 1,273 |
| Equity capital to assets | 9.8672% | 3,915 |
| Core capital (leverage) ratio | 9.6863% | 3,446 |
| Tier 1 risk-based capital ratio | 19.7297% | 1,545 |
| Total risk-based capital ratio | 20.7892% | 1,557 |
| Memoranda: | ||
| Average total assets | $307,042,600 | 2,115 |
| Average earning assets | $291,499,600 | 2,035 |
| Average equity | $26,274,400 | 2,431 |
| Average total loans | $116,417,600 | 3,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 6,948 |
| Cost of funding earning assets | 0.6082% | 7,269 |
| Net interest margin | 3.7103% | 4,353 |
| Noninterest income to average assets | 0.4762% | 4,365 |
| Noninterest expense to average assets | 2.1800% | 6,661 |
| Loan and lease loss provision to assets | 0.8504% | 1,786 |
| Net operating income to assets | 0.6476% | 3,654 |
| Return on assets (ROA) | 0.6476% | 3,820 |
| Pretax return on assets | 0.9654% | 3,310 |
| Return on Equity (ROE) | 7.8690% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.9134% | 3,714 |
| Net charge-offs to loans | 1.6885% | 1,165 |
| Credit loss provision to net charge-offs | 130.2527% | 3,103 |
| Earnings coverage of net charge-offs (x) | 2.7813% | 3,749 |
| Efficiency ratio | 54.5573% | 6,736 |
| Assets per employee ($millions) | 4.5310% | 2,857 |
| Cash dividends to net income (ytd only)* | 50.2684% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,370 |
| Loan loss allowance to noncurrent loans | 10,037.5000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,703 |
| Noncurrent loans to loans | 0.0141% | 7,226 |
| Net loans and leases to total assets | 37.4099% | 7,208 |
| Net loans and leases to deposits | 41.7006% | 7,315 |
| Net loans and leases to core deposits | 42.7038% | 7,358 |
| Total domestic deposits to total assets | 89.7105% | 1,016 |
| Equity capital to assets | 9.8965% | 4,294 |
| Core capital (leverage) ratio | 9.1780% | 4,406 |
| Tier 1 risk-based capital ratio | 18.3674% | 1,911 |
| Total risk-based capital ratio | 19.3849% | 1,946 |
| Memoranda: | ||
| Average total assets | $307,155,000 | 2,146 |
| Average earning assets | $291,358,750 | 2,066 |
| Average equity | $25,280,000 | 2,564 |
| Average total loans | $118,760,750 | 3,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 7,067 |
| Cost of funding earning assets | 0.6075% | 7,391 |
| Net interest margin | 3.6816% | 4,443 |
| Noninterest income to average assets | 0.4757% | 4,312 |
| Noninterest expense to average assets | 2.2081% | 6,626 |
| Loan and lease loss provision to assets | 0.2666% | 4,259 |
| Net operating income to assets | 0.9966% | 2,213 |
| Return on assets (ROA) | 0.9966% | 2,290 |
| Pretax return on assets | 1.4942% | 1,569 |
| Return on Equity (ROE) | 12.9521% | 1,252 |
| Retained earnings to average equity (ytd only) | 6.6606% | 1,989 |
| Net charge-offs to loans | 0.8845% | 2,067 |
| Credit loss provision to net charge-offs | 77.4859% | 4,776 |
| Earnings coverage of net charge-offs (x) | 5.1182% | 2,743 |
| Efficiency ratio | 55.6351% | 6,684 |
| Assets per employee ($millions) | 4.6048% | 2,718 |
| Cash dividends to net income (ytd only)* | 48.5751% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 6,857 |
| Loan loss allowance to noncurrent loans | 6,064.7059% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 6,758 |
| Noncurrent loans to loans | 0.0143% | 7,297 |
| Net loans and leases to total assets | 37.5780% | 7,286 |
| Net loans and leases to deposits | 40.9018% | 7,421 |
| Net loans and leases to core deposits | 41.7775% | 7,456 |
| Total domestic deposits to total assets | 91.8735% | 245 |
| Equity capital to assets | 7.7892% | 6,938 |
| Core capital (leverage) ratio | 7.6808% | 6,635 |
| Tier 1 risk-based capital ratio | 14.5549% | 3,412 |
| Total risk-based capital ratio | 15.1790% | 3,743 |
| Memoranda: | ||
| Average total assets | $309,858,670 | 2,150 |
| Average earning assets | $294,005,330 | 2,063 |
| Average equity | $23,841,670 | 2,711 |
| Average total loans | $120,521,670 | 3,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 7,155 |
| Cost of funding earning assets | 0.5933% | 7,548 |
| Net interest margin | 3.6929% | 4,282 |
| Noninterest income to average assets | 0.4918% | 4,112 |
| Noninterest expense to average assets | 2.0362% | 7,092 |
| Loan and lease loss provision to assets | 0.1025% | 5,605 |
| Net operating income to assets | 1.2316% | 1,460 |
| Return on assets (ROA) | 1.2316% | 1,535 |
| Pretax return on assets | 1.8506% | 803 |
| Return on Equity (ROE) | 16.1069% | 704 |
| Retained earnings to average equity (ytd only) | 3.3775% | 4,132 |
| Net charge-offs to loans | -0.0066% | 6,836 |
| Credit loss provision to net charge-offs | -3,950.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0410% | 7,239 |
| Assets per employee ($millions) | 4.5085% | 2,939 |
| Cash dividends to net income (ytd only)* | 79.0306% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,345 |
| Loan loss allowance to noncurrent loans | 226.0550% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 6,168 |
| Noncurrent loans to loans | 0.4531% | 6,393 |
| Net loans and leases to total assets | 38.8309% | 7,314 |
| Net loans and leases to deposits | 42.2905% | 7,454 |
| Net loans and leases to core deposits | 43.3120% | 7,498 |
| Total domestic deposits to total assets | 91.8194% | 283 |
| Equity capital to assets | 7.7168% | 6,917 |
| Core capital (leverage) ratio | 7.9701% | 6,277 |
| Tier 1 risk-based capital ratio | 14.1169% | 3,587 |
| Total risk-based capital ratio | 14.8586% | 3,882 |
| Memoranda: | ||
| Average total assets | $308,225,500 | 2,205 |
| Average earning assets | $291,912,000 | 2,131 |
| Average equity | $23,567,500 | 2,762 |
| Average total loans | $121,434,000 | 3,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 7,251 |
| Cost of funding earning assets | 0.7109% | 7,671 |
| Net interest margin | 3.9149% | 3,210 |
| Noninterest income to average assets | 0.4941% | 4,459 |
| Noninterest expense to average assets | 2.2356% | 6,901 |
| Loan and lease loss provision to assets | 0.0007% | 7,422 |
| Net operating income to assets | 1.3066% | 1,018 |
| Return on assets (ROA) | 1.3066% | 1,062 |
| Pretax return on assets | 1.9631% | 436 |
| Return on Equity (ROE) | 16.4018% | 517 |
| Retained earnings to average equity (ytd only) | 3.3810% | 2,801 |
| Net charge-offs to loans | -0.2054% | 7,913 |
| Credit loss provision to net charge-offs | -0.7663% | 7,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2356% | 7,301 |
| Assets per employee ($millions) | 4.6250% | 2,724 |
| Cash dividends to net income (ytd only)* | 79.3861% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,678 |
| Loan loss allowance to noncurrent loans | 209.2727% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 5,963 |
| Noncurrent loans to loans | 0.4487% | 6,373 |
| Net loans and leases to total assets | 39.1896% | 7,391 |
| Net loans and leases to deposits | 42.5682% | 7,554 |
| Net loans and leases to core deposits | 47.8609% | 7,635 |
| Total domestic deposits to total assets | 92.0632% | 257 |
| Equity capital to assets | 7.5763% | 6,963 |
| Core capital (leverage) ratio | 8.0121% | 6,172 |
| Tier 1 risk-based capital ratio | 14.1021% | 3,439 |
| Total risk-based capital ratio | 14.8002% | 3,736 |
| Memoranda: | ||
| Average total assets | $289,229,600 | 2,283 |
| Average earning assets | $273,752,200 | 2,214 |
| Average equity | $23,040,200 | 2,823 |
| Average total loans | $127,040,000 | 3,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 7,257 |
| Cost of funding earning assets | 0.7248% | 7,786 |
| Net interest margin | 3.9903% | 2,862 |
| Noninterest income to average assets | 0.4999% | 4,482 |
| Noninterest expense to average assets | 2.3022% | 6,699 |
| Loan and lease loss provision to assets | 0.0188% | 7,164 |
| Net operating income to assets | 1.3006% | 1,211 |
| Return on assets (ROA) | 1.3006% | 1,290 |
| Pretax return on assets | 1.9544% | 585 |
| Return on Equity (ROE) | 16.1117% | 641 |
| Retained earnings to average equity (ytd only) | 3.0293% | 3,635 |
| Net charge-offs to loans | -0.2851% | 7,994 |
| Credit loss provision to net charge-offs | -14.5985% | 7,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8478% | 7,249 |
| Assets per employee ($millions) | 4.2260% | 3,327 |
| Cash dividends to net income (ytd only)* | 81.1984% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,537 |
| Loan loss allowance to noncurrent loans | 173.1988% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 5,744 |
| Noncurrent loans to loans | 0.5492% | 6,214 |
| Net loans and leases to total assets | 43.5529% | 7,275 |
| Net loans and leases to deposits | 47.6587% | 7,509 |
| Net loans and leases to core deposits | 54.1030% | 7,590 |
| Total domestic deposits to total assets | 91.3850% | 282 |
| Equity capital to assets | 8.0927% | 6,752 |
| Core capital (leverage) ratio | 8.3019% | 5,830 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,461 |
| Total risk-based capital ratio | 14.9064% | 3,681 |
| Memoranda: | ||
| Average total assets | $284,068,750 | 2,331 |
| Average earning assets | $268,775,250 | 2,266 |
| Average equity | $22,931,000 | 2,863 |
| Average total loans | $128,152,750 | 3,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 7,363 |
| Cost of funding earning assets | 0.7391% | 7,884 |
| Net interest margin | 3.9788% | 2,795 |
| Noninterest income to average assets | 0.4926% | 4,509 |
| Noninterest expense to average assets | 2.3600% | 6,592 |
| Loan and lease loss provision to assets | 0.1675% | 5,394 |
| Net operating income to assets | 1.1514% | 1,610 |
| Return on assets (ROA) | 1.1514% | 1,693 |
| Pretax return on assets | 1.7281% | 970 |
| Return on Equity (ROE) | 14.2753% | 950 |
| Retained earnings to average equity (ytd only) | 1.1305% | 4,704 |
| Net charge-offs to loans | 0.2874% | 3,757 |
| Credit loss provision to net charge-offs | 128.1081% | 3,628 |
| Earnings coverage of net charge-offs (x) | 14.4973% | 1,647 |
| Efficiency ratio | 55.4559% | 7,171 |
| Assets per employee ($millions) | 4.1592% | 3,373 |
| Cash dividends to net income (ytd only)* | 92.0810% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 7,297 |
| Loan loss allowance to noncurrent loans | 53.1374% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 4,749 |
| Noncurrent loans to loans | 1.4142% | 4,383 |
| Net loans and leases to total assets | 43.8974% | 7,335 |
| Net loans and leases to deposits | 48.0097% | 7,566 |
| Net loans and leases to core deposits | 54.5654% | 7,643 |
| Total domestic deposits to total assets | 91.4346% | 333 |
| Equity capital to assets | 8.0839% | 6,651 |
| Core capital (leverage) ratio | 8.4170% | 5,588 |
| Tier 1 risk-based capital ratio | 14.4449% | 3,280 |
| Total risk-based capital ratio | 15.0456% | 3,568 |
| Memoranda: | ||
| Average total assets | $282,968,330 | 2,354 |
| Average earning assets | $267,620,000 | 2,291 |
| Average equity | $22,822,670 | 2,873 |
| Average total loans | $128,750,330 | 3,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 7,497 |
| Cost of funding earning assets | 0.7542% | 7,957 |
| Net interest margin | 3.9541% | 2,840 |
| Noninterest income to average assets | 0.4833% | 4,473 |
| Noninterest expense to average assets | 2.2753% | 6,613 |
| Loan and lease loss provision to assets | 0.3265% | 3,364 |
| Net operating income to assets | 1.0868% | 2,008 |
| Return on assets (ROA) | 1.0868% | 2,137 |
| Pretax return on assets | 1.6309% | 1,329 |
| Return on Equity (ROE) | 13.4897% | 1,272 |
| Retained earnings to average equity (ytd only) | 0.3333% | 5,526 |
| Net charge-offs to loans | 0.3339% | 2,758 |
| Credit loss provision to net charge-offs | 211.9266% | 2,124 |
| Earnings coverage of net charge-offs (x) | 12.7064% | 1,782 |
| Efficiency ratio | 53.7563% | 7,243 |
| Assets per employee ($millions) | 4.0336% | 3,594 |
| Cash dividends to net income (ytd only)* | 97.5293% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 7,239 |
| Loan loss allowance to noncurrent loans | 40.2711% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 4,952 |
| Noncurrent loans to loans | 1.9300% | 3,368 |
| Net loans and leases to total assets | 45.6656% | 7,214 |
| Net loans and leases to deposits | 49.9433% | 7,498 |
| Net loans and leases to core deposits | 56.4586% | 7,596 |
| Total domestic deposits to total assets | 91.4349% | 289 |
| Equity capital to assets | 8.0686% | 6,715 |
| Core capital (leverage) ratio | 8.3750% | 5,766 |
| Tier 1 risk-based capital ratio | 14.0544% | 3,554 |
| Total risk-based capital ratio | 14.6856% | 3,824 |
| Memoranda: | ||
| Average total assets | $283,041,000 | 2,377 |
| Average earning assets | $268,380,500 | 2,299 |
| Average equity | $22,802,500 | 2,892 |
| Average total loans | $130,579,500 | 3,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 7,310 |
| Cost of funding earning assets | 1.0761% | 8,022 |
| Net interest margin | 4.4215% | 1,621 |
| Noninterest income to average assets | 0.4540% | 5,010 |
| Noninterest expense to average assets | 2.2981% | 6,709 |
| Loan and lease loss provision to assets | 0.2830% | 4,126 |
| Net operating income to assets | 1.3096% | 1,460 |
| Return on assets (ROA) | 1.3096% | 1,411 |
| Pretax return on assets | 1.9705% | 662 |
| Return on Equity (ROE) | 15.8861% | 791 |
| Retained earnings to average equity (ytd only) | 2.5626% | 3,599 |
| Net charge-offs to loans | 0.4858% | 2,413 |
| Credit loss provision to net charge-offs | 125.4870% | 4,256 |
| Earnings coverage of net charge-offs (x) | 9.9919% | 2,595 |
| Efficiency ratio | 50.4907% | 7,627 |
| Assets per employee ($millions) | 3.9962% | 3,523 |
| Cash dividends to net income (ytd only)* | 83.8692% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 7,487 |
| Loan loss allowance to noncurrent loans | 117.4603% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,509 |
| Noncurrent loans to loans | 0.5762% | 5,640 |
| Net loans and leases to total assets | 45.9322% | 7,337 |
| Net loans and leases to deposits | 50.1167% | 7,625 |
| Net loans and leases to core deposits | 56.4666% | 7,722 |
| Total domestic deposits to total assets | 91.6504% | 183 |
| Equity capital to assets | 8.0440% | 6,788 |
| Core capital (leverage) ratio | 8.4511% | 5,653 |
| Tier 1 risk-based capital ratio | 13.3713% | 3,886 |
| Total risk-based capital ratio | 13.8997% | 4,242 |
| Memoranda: | ||
| Average total assets | $273,135,200 | 2,357 |
| Average earning assets | $253,128,200 | 2,341 |
| Average equity | $22,516,600 | 2,905 |
| Average total loans | $126,793,200 | 3,321 |