Home > The Fidelity Deposit and Discount Bank > Performance and Condition Ratios
The Fidelity Deposit and Discount Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 3,633 |
| Cost of funding earning assets | 1.4065% | 2,212 |
| Net interest margin | 2.7876% | 3,686 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 1.9943% | 3,649 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0627% | 2,028 |
| Return on assets (ROA) | 0.8302% | 2,752 |
| Pretax return on assets | 0.9414% | 2,840 |
| Return on Equity (ROE) | 11.7300% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.8899% | 1,923 |
| Net charge-offs to loans | 0.0354% | 1,601 |
| Credit loss provision to net charge-offs | 257.9585% | 1,052 |
| Earnings coverage of net charge-offs (x) | 53.6471% | 1,251 |
| Efficiency ratio | 60.7172% | 2,999 |
| Assets per employee ($millions) | 8.4276% | 1,210 |
| Cash dividends to net income (ytd only)* | 41.2534% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,760 |
| Loan loss allowance to noncurrent loans | 566.2752% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 2,642 |
| Noncurrent loans to loans | 0.1969% | 2,527 |
| Net loans and leases to total assets | 66.6400% | 2,183 |
| Net loans and leases to deposits | 77.2075% | 2,336 |
| Net loans and leases to core deposits | 79.8341% | 2,709 |
| Total domestic deposits to total assets | 86.3100% | 1,911 |
| Equity capital to assets | 7.5078% | 3,713 |
| Core capital (leverage) ratio | 9.0832% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5748% | 1,657 |
| Memoranda: | ||
| Average total assets | $2,448,503,200 | 482 |
| Average earning assets | $2,261,711,400 | 468 |
| Average equity | $173,326,400 | 606 |
| Average total loans | $1,632,093,800 | 487 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,574 |
| Cost of funding earning assets | 1.2973% | 2,159 |
| Net interest margin | 2.8459% | 3,651 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.0051% | 3,585 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0660% | 2,163 |
| Return on assets (ROA) | 1.0659% | 2,151 |
| Pretax return on assets | 1.2286% | 2,234 |
| Return on Equity (ROE) | 15.3000% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.4297% | 1,287 |
| Net charge-offs to loans | 0.0425% | 1,276 |
| Credit loss provision to net charge-offs | 267.4419% | 951 |
| Earnings coverage of net charge-offs (x) | 46.1589% | 1,357 |
| Efficiency ratio | 60.1413% | 2,947 |
| Assets per employee ($millions) | 8.3676% | 1,178 |
| Cash dividends to net income (ytd only)* | 31.8144% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 2,683 |
| Loan loss allowance to noncurrent loans | 571.8598% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,655 |
| Noncurrent loans to loans | 0.1990% | 2,559 |
| Net loans and leases to total assets | 65.7800% | 2,265 |
| Net loans and leases to deposits | 75.6541% | 2,444 |
| Net loans and leases to core deposits | 77.9544% | 2,745 |
| Total domestic deposits to total assets | 86.9400% | 1,913 |
| Equity capital to assets | 6.6301% | 3,785 |
| Core capital (leverage) ratio | 9.1700% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6916% | 1,658 |
| Memoranda: | ||
| Average total assets | $2,434,876,750 | 487 |
| Average earning assets | $2,246,875,000 | 476 |
| Average equity | $169,677,750 | 611 |
| Average total loans | $1,618,414,500 | 490 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,470 |
| Cost of funding earning assets | 1.1485% | 2,137 |
| Net interest margin | 2.9636% | 3,528 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.0440% | 3,480 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1330% | 2,028 |
| Return on assets (ROA) | 1.1330% | 2,024 |
| Pretax return on assets | 1.3131% | 2,047 |
| Return on Equity (ROE) | 15.9900% | 1,267 |
| Retained earnings to average equity (ytd only) | 11.1908% | 1,153 |
| Net charge-offs to loans | 0.0495% | 1,021 |
| Credit loss provision to net charge-offs | 214.8241% | 1,016 |
| Earnings coverage of net charge-offs (x) | 42.0854% | 1,377 |
| Efficiency ratio | 59.1815% | 3,056 |
| Assets per employee ($millions) | 8.3607% | 1,156 |
| Cash dividends to net income (ytd only)* | 30.0277% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,822 |
| Loan loss allowance to noncurrent loans | 518.3616% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,507 |
| Noncurrent loans to loans | 0.2169% | 2,399 |
| Net loans and leases to total assets | 66.0900% | 2,149 |
| Net loans and leases to deposits | 74.9305% | 2,409 |
| Net loans and leases to core deposits | 76.7559% | 2,710 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 7.2409% | 3,669 |
| Core capital (leverage) ratio | 9.0369% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6499% | 1,672 |
| Memoranda: | ||
| Average total assets | $2,420,897,667 | 475 |
| Average earning assets | $2,232,392,333 | 466 |
| Average equity | $171,498,667 | 601 |
| Average total loans | $1,608,584,333 | 479 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,300 |
| Cost of funding earning assets | 0.9575% | 2,195 |
| Net interest margin | 3.1188% | 3,307 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.0434% | 3,510 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2688% | 1,756 |
| Return on assets (ROA) | 1.2687% | 1,722 |
| Pretax return on assets | 1.4930% | 1,688 |
| Return on Equity (ROE) | 18.1100% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.2535% | 1,049 |
| Net charge-offs to loans | 0.0408% | 953 |
| Credit loss provision to net charge-offs | 110.4294% | 1,063 |
| Earnings coverage of net charge-offs (x) | 56.3129% | 1,051 |
| Efficiency ratio | 56.8484% | 3,318 |
| Assets per employee ($millions) | 8.3956% | 1,168 |
| Cash dividends to net income (ytd only)* | 26.8245% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,050 |
| Loan loss allowance to noncurrent loans | 533.1944% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,523 |
| Noncurrent loans to loans | 0.2064% | 2,442 |
| Net loans and leases to total assets | 65.8900% | 2,069 |
| Net loans and leases to deposits | 75.0723% | 2,201 |
| Net loans and leases to core deposits | 76.5930% | 2,486 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 7.1672% | 3,750 |
| Core capital (leverage) ratio | 8.8870% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5466% | 1,781 |
| Memoranda: | ||
| Average total assets | $2,410,687,500 | 489 |
| Average earning assets | $2,221,123,000 | 481 |
| Average equity | $168,861,000 | 616 |
| Average total loans | $1,596,964,000 | 494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 2,767 |
| Cost of funding earning assets | 0.2899% | 2,963 |
| Net interest margin | 3.3226% | 2,503 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.0237% | 3,520 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3186% | 1,362 |
| Return on assets (ROA) | 1.3188% | 1,322 |
| Pretax return on assets | 1.5642% | 1,254 |
| Return on Equity (ROE) | 18.5600% | 623 |
| Retained earnings to average equity (ytd only) | 14.0647% | 378 |
| Net charge-offs to loans | 0.0382% | 1,335 |
| Credit loss provision to net charge-offs | 365.2174% | 810 |
| Earnings coverage of net charge-offs (x) | 69.3200% | 1,165 |
| Efficiency ratio | 54.6166% | 3,736 |
| Assets per employee ($millions) | 8.3742% | 1,154 |
| Cash dividends to net income (ytd only)* | 24.2140% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 2,917 |
| Loan loss allowance to noncurrent loans | 667.7960% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,716 |
| Noncurrent loans to loans | 0.1639% | 2,668 |
| Net loans and leases to total assets | 65.1400% | 2,125 |
| Net loans and leases to deposits | 71.4718% | 2,452 |
| Net loans and leases to core deposits | 72.1332% | 2,714 |
| Total domestic deposits to total assets | 91.1400% | 902 |
| Equity capital to assets | 6.8378% | 3,751 |
| Core capital (leverage) ratio | 8.6821% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3283% | 1,839 |
| Memoranda: | ||
| Average total assets | $2,414,133,600 | 463 |
| Average earning assets | $2,214,220,000 | 464 |
| Average equity | $171,550,600 | 606 |
| Average total loans | $1,506,185,000 | 479 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 2,576 |
| Cost of funding earning assets | 0.2073% | 3,188 |
| Net interest margin | 3.3065% | 2,274 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.0088% | 3,465 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3371% | 1,246 |
| Return on assets (ROA) | 1.3373% | 1,224 |
| Pretax return on assets | 1.5635% | 1,219 |
| Return on Equity (ROE) | 18.6500% | 562 |
| Retained earnings to average equity (ytd only) | 14.3048% | 429 |
| Net charge-offs to loans | 0.0376% | 1,124 |
| Credit loss provision to net charge-offs | 375.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 71.3929% | 1,098 |
| Efficiency ratio | 54.4441% | 3,783 |
| Assets per employee ($millions) | 8.6679% | 998 |
| Cash dividends to net income (ytd only)* | 23.2842% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,015 |
| Loan loss allowance to noncurrent loans | 546.5472% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,701 |
| Noncurrent loans to loans | 0.2013% | 2,599 |
| Net loans and leases to total assets | 61.9200% | 2,299 |
| Net loans and leases to deposits | 66.9092% | 2,639 |
| Net loans and leases to core deposits | 67.5458% | 2,841 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 5.9961% | 3,968 |
| Core capital (leverage) ratio | 8.4962% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3248% | 1,928 |
| Memoranda: | ||
| Average total assets | $2,423,100,750 | 460 |
| Average earning assets | $2,217,010,250 | 461 |
| Average equity | $173,783,250 | 603 |
| Average total loans | $1,491,147,750 | 477 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 2,389 |
| Cost of funding earning assets | 0.1633% | 3,396 |
| Net interest margin | 3.2520% | 2,050 |
| Noninterest income to average assets | 0.6572% | 1,509 |
| Noninterest expense to average assets | 1.9882% | 3,462 |
| Loan and lease loss provision to assets | 0.0868% | 1,136 |
| Net operating income to assets | 1.3414% | 1,044 |
| Return on assets (ROA) | 1.3414% | 1,022 |
| Pretax return on assets | 1.5740% | 1,002 |
| Return on Equity (ROE) | 17.7283% | 505 |
| Retained earnings to average equity (ytd only) | 13.5978% | 404 |
| Net charge-offs to loans | 0.0114% | 1,562 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | 239.1310% | 484 |
| Efficiency ratio | 54.0105% | 3,964 |
| Assets per employee ($millions) | 8.3563% | 1,132 |
| Cash dividends to net income (ytd only)* | 23.2988% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,126 |
| Loan loss allowance to noncurrent loans | 509.6774% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,734 |
| Noncurrent loans to loans | 0.2178% | 2,630 |
| Net loans and leases to total assets | 61.2105% | 2,199 |
| Net loans and leases to deposits | 66.6391% | 2,496 |
| Net loans and leases to core deposits | 67.2477% | 2,718 |
| Total domestic deposits to total assets | 91.8538% | 903 |
| Equity capital to assets | 6.7183% | 3,932 |
| Core capital (leverage) ratio | 8.4143% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2773% | 1,946 |
| Memoranda: | ||
| Average total assets | $2,418,912,000 | 457 |
| Average earning assets | $2,225,433,333 | 459 |
| Average equity | $183,029,333 | 582 |
| Average total loans | $1,479,898,667 | 477 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 2,287 |
| Cost of funding earning assets | 0.1598% | 3,374 |
| Net interest margin | 3.1730% | 1,964 |
| Noninterest income to average assets | 0.6768% | 1,392 |
| Noninterest expense to average assets | 1.9923% | 3,444 |
| Loan and lease loss provision to assets | 0.0867% | 959 |
| Net operating income to assets | 1.3190% | 961 |
| Return on assets (ROA) | 1.3190% | 948 |
| Pretax return on assets | 1.5267% | 965 |
| Return on Equity (ROE) | 16.5090% | 481 |
| Retained earnings to average equity (ytd only) | 12.2903% | 562 |
| Net charge-offs to loans | 0.0185% | 1,160 |
| Credit loss provision to net charge-offs | 772.0588% | 401 |
| Earnings coverage of net charge-offs (x) | 143.6029% | 551 |
| Efficiency ratio | 54.7587% | 4,000 |
| Assets per employee ($millions) | 8.3478% | 1,188 |
| Cash dividends to net income (ytd only)* | 25.5543% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,385 |
| Loan loss allowance to noncurrent loans | 648.1661% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 3,047 |
| Noncurrent loans to loans | 0.1677% | 2,975 |
| Net loans and leases to total assets | 60.4543% | 2,017 |
| Net loans and leases to deposits | 66.2102% | 2,319 |
| Net loans and leases to core deposits | 66.8340% | 2,555 |
| Total domestic deposits to total assets | 91.3067% | 883 |
| Equity capital to assets | 7.2311% | 4,087 |
| Core capital (leverage) ratio | 8.1292% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1705% | 2,128 |
| Memoranda: | ||
| Average total assets | $2,420,881,000 | 465 |
| Average earning assets | $2,234,735,000 | 463 |
| Average equity | $193,421,500 | 568 |
| Average total loans | $1,472,444,000 | 472 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 2,601 |
| Cost of funding earning assets | 0.1908% | 3,552 |
| Net interest margin | 3.3309% | 2,234 |
| Noninterest income to average assets | 0.7721% | 1,531 |
| Noninterest expense to average assets | 2.2553% | 2,927 |
| Loan and lease loss provision to assets | 0.0963% | 1,292 |
| Net operating income to assets | 1.2739% | 1,678 |
| Return on assets (ROA) | 1.2758% | 1,732 |
| Pretax return on assets | 1.4933% | 1,750 |
| Return on Equity (ROE) | 14.5297% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.0572% | 2,337 |
| Net charge-offs to loans | 0.0456% | 1,376 |
| Credit loss provision to net charge-offs | 346.0208% | 1,001 |
| Earnings coverage of net charge-offs (x) | 57.0554% | 1,212 |
| Efficiency ratio | 58.2040% | 3,416 |
| Assets per employee ($millions) | 8.1512% | 1,251 |
| Cash dividends to net income (ytd only)* | 58.3113% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,494 |
| Loan loss allowance to noncurrent loans | 518.7251% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,941 |
| Noncurrent loans to loans | 0.2056% | 2,928 |
| Net loans and leases to total assets | 59.8813% | 2,171 |
| Net loans and leases to deposits | 66.7932% | 2,430 |
| Net loans and leases to core deposits | 67.4992% | 2,690 |
| Total domestic deposits to total assets | 89.6518% | 1,141 |
| Equity capital to assets | 8.7483% | 3,844 |
| Core capital (leverage) ratio | 7.9448% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5125% | 2,046 |
| Memoranda: | ||
| Average total assets | $2,077,582,400 | 515 |
| Average earning assets | $1,915,188,800 | 516 |
| Average equity | $182,426,800 | 595 |
| Average total loans | $1,268,061,400 | 537 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 2,797 |
| Cost of funding earning assets | 0.1995% | 3,609 |
| Net interest margin | 3.3119% | 2,383 |
| Noninterest income to average assets | 0.8275% | 1,449 |
| Noninterest expense to average assets | 2.3297% | 2,653 |
| Loan and lease loss provision to assets | 0.1038% | 1,162 |
| Net operating income to assets | 1.2248% | 2,086 |
| Return on assets (ROA) | 1.2271% | 2,134 |
| Pretax return on assets | 1.4416% | 2,178 |
| Return on Equity (ROE) | 13.9592% | 1,404 |
| Retained earnings to average equity (ytd only) | 3.8662% | 3,615 |
| Net charge-offs to loans | 0.0165% | 1,738 |
| Credit loss provision to net charge-offs | 1,026.4901% | 511 |
| Earnings coverage of net charge-offs (x) | 152.6225% | 673 |
| Efficiency ratio | 59.6761% | 3,030 |
| Assets per employee ($millions) | 7.6516% | 1,470 |
| Cash dividends to net income (ytd only)* | 72.3037% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,501 |
| Loan loss allowance to noncurrent loans | 545.6803% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,095 |
| Noncurrent loans to loans | 0.1990% | 3,155 |
| Net loans and leases to total assets | 58.9546% | 2,375 |
| Net loans and leases to deposits | 65.6705% | 2,663 |
| Net loans and leases to core deposits | 66.3839% | 2,920 |
| Total domestic deposits to total assets | 89.7734% | 876 |
| Equity capital to assets | 8.5389% | 4,186 |
| Core capital (leverage) ratio | 7.9330% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5371% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,991,753,000 | 533 |
| Average earning assets | $1,831,203,000 | 543 |
| Average equity | $175,086,500 | 626 |
| Average total loans | $1,218,754,000 | 569 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 3,004 |
| Cost of funding earning assets | 0.2033% | 3,717 |
| Net interest margin | 3.2575% | 2,590 |
| Noninterest income to average assets | 0.9676% | 1,123 |
| Noninterest expense to average assets | 2.1998% | 3,094 |
| Loan and lease loss provision to assets | 0.1188% | 1,062 |
| Net operating income to assets | 1.3954% | 1,580 |
| Return on assets (ROA) | 1.3954% | 1,650 |
| Pretax return on assets | 1.6510% | 1,612 |
| Return on Equity (ROE) | 15.6789% | 1,023 |
| Retained earnings to average equity (ytd only) | 1.6682% | 4,198 |
| Net charge-offs to loans | 0.0099% | 1,774 |
| Credit loss provision to net charge-offs | 1,929.8246% | 301 |
| Earnings coverage of net charge-offs (x) | 287.5439% | 385 |
| Efficiency ratio | 54.9465% | 3,684 |
| Assets per employee ($millions) | 7.0693% | 1,758 |
| Cash dividends to net income (ytd only)* | 89.3601% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,226 |
| Loan loss allowance to noncurrent loans | 477.0025% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,043 |
| Noncurrent loans to loans | 0.2817% | 2,929 |
| Net loans and leases to total assets | 57.5805% | 2,718 |
| Net loans and leases to deposits | 63.6647% | 3,034 |
| Net loans and leases to core deposits | 64.7427% | 3,214 |
| Total domestic deposits to total assets | 90.4433% | 581 |
| Equity capital to assets | 8.4551% | 4,238 |
| Core capital (leverage) ratio | 7.9669% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5486% | 1,789 |
| Memoranda: | ||
| Average total assets | $1,852,253,667 | 571 |
| Average earning assets | $1,706,930,667 | 570 |
| Average equity | $164,845,333 | 655 |
| Average total loans | $1,146,153,333 | 595 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 2,711 |
| Cost of funding earning assets | 0.2149% | 3,774 |
| Net interest margin | 3.3634% | 2,211 |
| Noninterest income to average assets | 1.0997% | 984 |
| Noninterest expense to average assets | 2.3207% | 2,720 |
| Loan and lease loss provision to assets | 0.1772% | 698 |
| Net operating income to assets | 1.4347% | 1,482 |
| Return on assets (ROA) | 1.4347% | 1,555 |
| Pretax return on assets | 1.6931% | 1,507 |
| Return on Equity (ROE) | 15.6989% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.4295% | 1,287 |
| Net charge-offs to loans | 0.0566% | 947 |
| Credit loss provision to net charge-offs | 490.7975% | 599 |
| Earnings coverage of net charge-offs (x) | 51.8160% | 880 |
| Efficiency ratio | 54.8980% | 3,686 |
| Assets per employee ($millions) | 6.8392% | 1,903 |
| Cash dividends to net income (ytd only)* | 27.1956% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,499 |
| Loan loss allowance to noncurrent loans | 371.9980% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,996 |
| Noncurrent loans to loans | 0.3457% | 2,859 |
| Net loans and leases to total assets | 59.6890% | 2,578 |
| Net loans and leases to deposits | 66.0888% | 2,911 |
| Net loans and leases to core deposits | 67.3374% | 3,127 |
| Total domestic deposits to total assets | 90.3164% | 656 |
| Equity capital to assets | 8.5710% | 4,068 |
| Core capital (leverage) ratio | 8.7214% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4628% | 1,438 |
| Memoranda: | ||
| Average total assets | $1,806,356,500 | 577 |
| Average earning assets | $1,660,226,500 | 577 |
| Average equity | $165,082,000 | 646 |
| Average total loans | $1,151,911,500 | 590 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 3,322 |
| Cost of funding earning assets | 0.3943% | 3,616 |
| Net interest margin | 3.3994% | 2,778 |
| Noninterest income to average assets | 0.8695% | 1,351 |
| Noninterest expense to average assets | 2.4276% | 3,065 |
| Loan and lease loss provision to assets | 0.3610% | 934 |
| Net operating income to assets | 1.0460% | 2,118 |
| Return on assets (ROA) | 1.0528% | 2,233 |
| Pretax return on assets | 1.2418% | 2,184 |
| Return on Equity (ROE) | 10.8872% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.2606% | 1,678 |
| Net charge-offs to loans | 0.0804% | 1,672 |
| Credit loss provision to net charge-offs | 660.3774% | 1,038 |
| Earnings coverage of net charge-offs (x) | 29.1774% | 1,635 |
| Efficiency ratio | 59.9436% | 3,465 |
| Assets per employee ($millions) | 6.2439% | 2,128 |
| Cash dividends to net income (ytd only)* | 42.4961% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,773 |
| Loan loss allowance to noncurrent loans | 370.8094% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,094 |
| Noncurrent loans to loans | 0.3330% | 3,014 |
| Net loans and leases to total assets | 66.6343% | 2,002 |
| Net loans and leases to deposits | 75.2331% | 2,355 |
| Net loans and leases to core deposits | 77.3133% | 2,613 |
| Total domestic deposits to total assets | 88.5705% | 1,183 |
| Equity capital to assets | 9.7747% | 3,342 |
| Core capital (leverage) ratio | 8.8116% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4556% | 1,410 |
| Memoranda: | ||
| Average total assets | $1,454,473,600 | 630 |
| Average earning assets | $1,348,992,400 | 626 |
| Average equity | $140,641,600 | 711 |
| Average total loans | $989,332,000 | 648 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 3,565 |
| Cost of funding earning assets | 0.4436% | 3,560 |
| Net interest margin | 3.3581% | 3,026 |
| Noninterest income to average assets | 0.8121% | 1,444 |
| Noninterest expense to average assets | 2.4708% | 2,931 |
| Loan and lease loss provision to assets | 0.3544% | 1,066 |
| Net operating income to assets | 0.9238% | 2,613 |
| Return on assets (ROA) | 0.9238% | 2,746 |
| Pretax return on assets | 1.1072% | 2,722 |
| Return on Equity (ROE) | 9.5852% | 2,175 |
| Retained earnings to average equity (ytd only) | 4.6117% | 2,739 |
| Net charge-offs to loans | 0.0791% | 1,518 |
| Credit loss provision to net charge-offs | 657.1936% | 1,111 |
| Earnings coverage of net charge-offs (x) | 27.1030% | 1,677 |
| Efficiency ratio | 62.8319% | 2,936 |
| Assets per employee ($millions) | 6.5358% | 1,802 |
| Cash dividends to net income (ytd only)* | 51.8872% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,105 |
| Loan loss allowance to noncurrent loans | 320.2585% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,142 |
| Noncurrent loans to loans | 0.3493% | 3,034 |
| Net loans and leases to total assets | 66.7601% | 2,417 |
| Net loans and leases to deposits | 75.0372% | 2,848 |
| Net loans and leases to core deposits | 77.2346% | 3,075 |
| Total domestic deposits to total assets | 88.9694% | 781 |
| Equity capital to assets | 9.4569% | 3,718 |
| Core capital (leverage) ratio | 8.8814% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3665% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,391,945,000 | 645 |
| Average earning assets | $1,293,405,500 | 637 |
| Average equity | $134,147,500 | 741 |
| Average total loans | $949,154,250 | 670 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,855 |
| Cost of funding earning assets | 0.5248% | 3,386 |
| Net interest margin | 3.2761% | 3,444 |
| Noninterest income to average assets | 0.7165% | 1,683 |
| Noninterest expense to average assets | 2.6040% | 2,648 |
| Loan and lease loss provision to assets | 0.3418% | 1,248 |
| Net operating income to assets | 0.6778% | 3,472 |
| Return on assets (ROA) | 0.6778% | 3,578 |
| Pretax return on assets | 0.8144% | 3,546 |
| Return on Equity (ROE) | 6.9758% | 3,140 |
| Retained earnings to average equity (ytd only) | 1.2167% | 4,035 |
| Net charge-offs to loans | 0.0626% | 1,617 |
| Credit loss provision to net charge-offs | 797.1014% | 920 |
| Earnings coverage of net charge-offs (x) | 26.9638% | 1,501 |
| Efficiency ratio | 69.2517% | 2,053 |
| Assets per employee ($millions) | 6.3676% | 1,884 |
| Cash dividends to net income (ytd only)* | 82.5579% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,457 |
| Loan loss allowance to noncurrent loans | 266.2181% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 3,295 |
| Noncurrent loans to loans | 0.3838% | 3,034 |
| Net loans and leases to total assets | 63.4107% | 2,947 |
| Net loans and leases to deposits | 78.8189% | 2,569 |
| Net loans and leases to core deposits | 81.4804% | 2,818 |
| Total domestic deposits to total assets | 80.4512% | 3,739 |
| Equity capital to assets | 8.7959% | 4,267 |
| Core capital (leverage) ratio | 10.0157% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8315% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,287,311,000 | 674 |
| Average earning assets | $1,195,994,333 | 666 |
| Average equity | $125,089,667 | 770 |
| Average total loans | $881,635,667 | 709 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 3,131 |
| Cost of funding earning assets | 0.7106% | 2,887 |
| Net interest margin | 3.5161% | 2,925 |
| Noninterest income to average assets | 0.8619% | 1,145 |
| Noninterest expense to average assets | 2.5216% | 3,208 |
| Loan and lease loss provision to assets | 0.1154% | 2,240 |
| Net operating income to assets | 1.2194% | 1,454 |
| Return on assets (ROA) | 1.2194% | 1,566 |
| Pretax return on assets | 1.4734% | 1,376 |
| Return on Equity (ROE) | 11.6056% | 1,228 |
| Retained earnings to average equity (ytd only) | 3.5487% | 2,872 |
| Net charge-offs to loans | 0.0160% | 2,050 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 137.6333% | 461 |
| Efficiency ratio | 61.3462% | 3,572 |
| Assets per employee ($millions) | 5.4636% | 2,165 |
| Cash dividends to net income (ytd only)* | 69.4225% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,948 |
| Loan loss allowance to noncurrent loans | 274.1379% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,025 |
| Noncurrent loans to loans | 0.4890% | 2,799 |
| Net loans and leases to total assets | 69.1927% | 2,370 |
| Net loans and leases to deposits | 80.0897% | 2,668 |
| Net loans and leases to core deposits | 84.0125% | 2,852 |
| Total domestic deposits to total assets | 86.3940% | 1,829 |
| Equity capital to assets | 10.4496% | 3,365 |
| Core capital (leverage) ratio | 10.2885% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6875% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,039,509,500 | 794 |
| Average earning assets | $960,373,500 | 785 |
| Average equity | $109,223,000 | 878 |
| Average total loans | $751,338,500 | 791 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 3,224 |
| Cost of funding earning assets | 0.8269% | 2,544 |
| Net interest margin | 3.5811% | 3,197 |
| Noninterest income to average assets | 0.8875% | 1,197 |
| Noninterest expense to average assets | 2.5140% | 3,408 |
| Loan and lease loss provision to assets | 0.1090% | 1,910 |
| Net operating income to assets | 1.2926% | 1,721 |
| Return on assets (ROA) | 1.2937% | 1,793 |
| Pretax return on assets | 1.5574% | 1,625 |
| Return on Equity (ROE) | 12.7582% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.7582% | 772 |
| Net charge-offs to loans | 0.1474% | 1,340 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 15.2728% | 2,239 |
| Efficiency ratio | 60.1582% | 3,670 |
| Assets per employee ($millions) | 5.3630% | 2,180 |
| Cash dividends to net income (ytd only)* | 31.3529% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 1,970 |
| Loan loss allowance to noncurrent loans | 265.3689% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 2,810 |
| Noncurrent loans to loans | 0.4862% | 2,730 |
| Net loans and leases to total assets | 73.5715% | 1,825 |
| Net loans and leases to deposits | 89.2237% | 1,672 |
| Net loans and leases to core deposits | 94.1872% | 2,045 |
| Total domestic deposits to total assets | 82.4573% | 3,376 |
| Equity capital to assets | 10.5676% | 3,378 |
| Core capital (leverage) ratio | 10.2625% | 3,228 |
| Tier 1 risk-based capital ratio | 14.5522% | 2,991 |
| Total risk-based capital ratio | 15.8038% | 2,896 |
| Memoranda: | ||
| Average total assets | $995,267,600 | 788 |
| Average earning assets | $914,774,200 | 788 |
| Average equity | $100,923,000 | 898 |
| Average total loans | $736,239,000 | 774 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 3,302 |
| Cost of funding earning assets | 0.8239% | 2,599 |
| Net interest margin | 3.5903% | 3,277 |
| Noninterest income to average assets | 0.8856% | 1,172 |
| Noninterest expense to average assets | 2.5119% | 3,402 |
| Loan and lease loss provision to assets | 0.1117% | 1,750 |
| Net operating income to assets | 1.2952% | 1,880 |
| Return on assets (ROA) | 1.2946% | 1,968 |
| Pretax return on assets | 1.5588% | 1,785 |
| Return on Equity (ROE) | 12.9057% | 1,316 |
| Retained earnings to average equity (ytd only) | 8.9195% | 1,072 |
| Net charge-offs to loans | 0.2071% | 847 |
| Credit loss provision to net charge-offs | 73.0634% | 2,586 |
| Earnings coverage of net charge-offs (x) | 10.9313% | 2,467 |
| Efficiency ratio | 60.0476% | 3,638 |
| Assets per employee ($millions) | 5.3114% | 2,206 |
| Cash dividends to net income (ytd only)* | 30.8868% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,192 |
| Loan loss allowance to noncurrent loans | 244.2691% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,730 |
| Noncurrent loans to loans | 0.5147% | 2,745 |
| Net loans and leases to total assets | 73.0942% | 1,980 |
| Net loans and leases to deposits | 86.9698% | 2,066 |
| Net loans and leases to core deposits | 91.6052% | 2,403 |
| Total domestic deposits to total assets | 84.0455% | 2,805 |
| Equity capital to assets | 10.3244% | 3,697 |
| Core capital (leverage) ratio | 10.1987% | 3,427 |
| Tier 1 risk-based capital ratio | 14.3023% | 3,172 |
| Total risk-based capital ratio | 15.5535% | 3,079 |
| Memoranda: | ||
| Average total assets | $990,681,000 | 789 |
| Average earning assets | $909,910,750 | 793 |
| Average equity | $99,375,000 | 909 |
| Average total loans | $731,429,250 | 780 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 3,366 |
| Cost of funding earning assets | 0.8007% | 2,638 |
| Net interest margin | 3.5875% | 3,303 |
| Noninterest income to average assets | 0.8881% | 1,097 |
| Noninterest expense to average assets | 2.5154% | 3,427 |
| Loan and lease loss provision to assets | 0.1038% | 1,807 |
| Net operating income to assets | 1.2979% | 1,779 |
| Return on assets (ROA) | 1.2972% | 1,841 |
| Pretax return on assets | 1.5624% | 1,658 |
| Return on Equity (ROE) | 13.0632% | 1,217 |
| Retained earnings to average equity (ytd only) | 9.0032% | 1,028 |
| Net charge-offs to loans | 0.2102% | 790 |
| Credit loss provision to net charge-offs | 66.9291% | 2,345 |
| Earnings coverage of net charge-offs (x) | 10.7493% | 2,241 |
| Efficiency ratio | 60.1431% | 3,705 |
| Assets per employee ($millions) | 5.1018% | 2,360 |
| Cash dividends to net income (ytd only)* | 31.0794% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,067 |
| Loan loss allowance to noncurrent loans | 228.7952% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,595 |
| Noncurrent loans to loans | 0.5635% | 2,573 |
| Net loans and leases to total assets | 72.7022% | 2,118 |
| Net loans and leases to deposits | 86.5509% | 2,194 |
| Net loans and leases to core deposits | 91.1339% | 2,494 |
| Total domestic deposits to total assets | 83.9993% | 2,865 |
| Equity capital to assets | 10.1408% | 3,846 |
| Core capital (leverage) ratio | 10.2545% | 3,330 |
| Tier 1 risk-based capital ratio | 13.7606% | 3,448 |
| Total risk-based capital ratio | 15.0116% | 3,341 |
| Memoranda: | ||
| Average total assets | $982,748,000 | 793 |
| Average earning assets | $902,407,670 | 792 |
| Average equity | $97,587,000 | 914 |
| Average total loans | $724,916,670 | 782 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,060 |
| Cost of funding earning assets | 0.7817% | 2,635 |
| Net interest margin | 3.6639% | 3,031 |
| Noninterest income to average assets | 0.8623% | 1,137 |
| Noninterest expense to average assets | 2.5725% | 3,289 |
| Loan and lease loss provision to assets | 0.1047% | 1,690 |
| Net operating income to assets | 1.2845% | 1,761 |
| Return on assets (ROA) | 1.2832% | 1,805 |
| Pretax return on assets | 1.5456% | 1,621 |
| Return on Equity (ROE) | 13.0646% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.9257% | 1,343 |
| Net charge-offs to loans | 0.2670% | 551 |
| Credit loss provision to net charge-offs | 53.1250% | 1,955 |
| Earnings coverage of net charge-offs (x) | 8.3813% | 2,084 |
| Efficiency ratio | 60.8962% | 3,693 |
| Assets per employee ($millions) | 5.0531% | 2,457 |
| Cash dividends to net income (ytd only)* | 31.6800% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,947 |
| Loan loss allowance to noncurrent loans | 223.1022% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,674 |
| Noncurrent loans to loans | 0.5972% | 2,548 |
| Net loans and leases to total assets | 73.0665% | 1,963 |
| Net loans and leases to deposits | 85.4153% | 2,194 |
| Net loans and leases to core deposits | 89.9725% | 2,508 |
| Total domestic deposits to total assets | 85.5426% | 2,465 |
| Equity capital to assets | 10.1216% | 3,702 |
| Core capital (leverage) ratio | 9.9820% | 3,625 |
| Tier 1 risk-based capital ratio | 13.9808% | 3,345 |
| Total risk-based capital ratio | 15.2324% | 3,260 |
| Memoranda: | ||
| Average total assets | $974,141,000 | 805 |
| Average earning assets | $893,918,000 | 805 |
| Average equity | $95,678,500 | 924 |
| Average total loans | $719,130,500 | 789 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 3,314 |
| Cost of funding earning assets | 0.5762% | 2,878 |
| Net interest margin | 3.6634% | 3,182 |
| Noninterest income to average assets | 0.8936% | 1,190 |
| Noninterest expense to average assets | 2.5426% | 3,496 |
| Loan and lease loss provision to assets | 0.1570% | 1,321 |
| Net operating income to assets | 1.2982% | 1,809 |
| Return on assets (ROA) | 1.2991% | 1,795 |
| Pretax return on assets | 1.5539% | 1,610 |
| Return on Equity (ROE) | 13.4826% | 1,179 |
| Retained earnings to average equity (ytd only) | 10.4224% | 540 |
| Net charge-offs to loans | 0.1317% | 1,432 |
| Credit loss provision to net charge-offs | 161.8304% | 1,716 |
| Earnings coverage of net charge-offs (x) | 17.6228% | 2,179 |
| Efficiency ratio | 59.7922% | 3,894 |
| Assets per employee ($millions) | 5.4317% | 2,025 |
| Cash dividends to net income (ytd only)* | 22.6973% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 1,836 |
| Loan loss allowance to noncurrent loans | 226.7271% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,740 |
| Noncurrent loans to loans | 0.5942% | 2,504 |
| Net loans and leases to total assets | 72.6037% | 2,155 |
| Net loans and leases to deposits | 92.6503% | 1,448 |
| Net loans and leases to core deposits | 97.4150% | 1,921 |
| Total domestic deposits to total assets | 78.3632% | 4,431 |
| Equity capital to assets | 9.5276% | 4,106 |
| Core capital (leverage) ratio | 9.8008% | 3,794 |
| Tier 1 risk-based capital ratio | 13.5151% | 3,539 |
| Total risk-based capital ratio | 14.7670% | 3,448 |
| Memoranda: | ||
| Average total assets | $923,496,000 | 830 |
| Average earning assets | $846,733,000 | 832 |
| Average equity | $88,981,400 | 945 |
| Average total loans | $680,262,000 | 810 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 3,380 |
| Cost of funding earning assets | 0.5139% | 3,103 |
| Net interest margin | 3.6666% | 3,136 |
| Noninterest income to average assets | 0.9125% | 1,163 |
| Noninterest expense to average assets | 2.5440% | 3,462 |
| Loan and lease loss provision to assets | 0.1651% | 1,145 |
| Net operating income to assets | 1.3117% | 1,809 |
| Return on assets (ROA) | 1.3129% | 1,813 |
| Pretax return on assets | 1.5690% | 1,677 |
| Return on Equity (ROE) | 13.5851% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.4505% | 1,059 |
| Net charge-offs to loans | 0.0745% | 1,784 |
| Credit loss provision to net charge-offs | 300.8021% | 1,020 |
| Earnings coverage of net charge-offs (x) | 31.5698% | 1,564 |
| Efficiency ratio | 59.4860% | 3,886 |
| Assets per employee ($millions) | 5.2725% | 2,151 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,660 |
| Loan loss allowance to noncurrent loans | 262.3055% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 2,846 |
| Noncurrent loans to loans | 0.5372% | 2,774 |
| Net loans and leases to total assets | 73.3115% | 2,113 |
| Net loans and leases to deposits | 89.1666% | 2,001 |
| Net loans and leases to core deposits | 93.6117% | 2,336 |
| Total domestic deposits to total assets | 82.2186% | 3,545 |
| Equity capital to assets | 9.3958% | 4,185 |
| Core capital (leverage) ratio | 9.8356% | 3,811 |
| Tier 1 risk-based capital ratio | 13.4848% | 3,636 |
| Total risk-based capital ratio | 14.7376% | 3,549 |
| Memoranda: | ||
| Average total assets | $908,586,500 | 842 |
| Average earning assets | $833,626,000 | 844 |
| Average equity | $87,809,500 | 951 |
| Average total loans | $669,442,750 | 823 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 3,335 |
| Cost of funding earning assets | 0.4617% | 3,274 |
| Net interest margin | 3.6714% | 3,036 |
| Noninterest income to average assets | 0.9326% | 1,096 |
| Noninterest expense to average assets | 2.5675% | 3,420 |
| Loan and lease loss provision to assets | 0.1620% | 1,150 |
| Net operating income to assets | 1.3103% | 1,734 |
| Return on assets (ROA) | 1.3114% | 1,726 |
| Pretax return on assets | 1.5735% | 1,590 |
| Return on Equity (ROE) | 13.4370% | 1,230 |
| Retained earnings to average equity (ytd only) | 9.2816% | 1,134 |
| Net charge-offs to loans | 0.1190% | 1,217 |
| Credit loss provision to net charge-offs | 185.4220% | 1,372 |
| Earnings coverage of net charge-offs (x) | 19.8491% | 1,836 |
| Efficiency ratio | 59.6873% | 3,975 |
| Assets per employee ($millions) | 5.0456% | 2,358 |
| Cash dividends to net income (ytd only)* | 30.9252% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,803 |
| Loan loss allowance to noncurrent loans | 325.4868% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,240 |
| Noncurrent loans to loans | 0.4256% | 3,177 |
| Net loans and leases to total assets | 73.4523% | 2,048 |
| Net loans and leases to deposits | 87.0426% | 2,213 |
| Net loans and leases to core deposits | 91.0685% | 2,478 |
| Total domestic deposits to total assets | 84.3866% | 2,919 |
| Equity capital to assets | 9.5588% | 4,043 |
| Core capital (leverage) ratio | 9.9630% | 3,617 |
| Tier 1 risk-based capital ratio | 13.4778% | 3,628 |
| Total risk-based capital ratio | 14.7302% | 3,540 |
| Memoranda: | ||
| Average total assets | $895,098,000 | 852 |
| Average earning assets | $821,375,670 | 857 |
| Average equity | $87,355,670 | 958 |
| Average total loans | $657,354,330 | 838 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,207 |
| Cost of funding earning assets | 0.4372% | 3,311 |
| Net interest margin | 3.6718% | 2,911 |
| Noninterest income to average assets | 0.9480% | 1,027 |
| Noninterest expense to average assets | 2.5899% | 3,365 |
| Loan and lease loss provision to assets | 0.1362% | 1,386 |
| Net operating income to assets | 1.3285% | 1,547 |
| Return on assets (ROA) | 1.3308% | 1,553 |
| Pretax return on assets | 1.5960% | 1,407 |
| Return on Equity (ROE) | 13.4908% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.3115% | 1,359 |
| Net charge-offs to loans | 0.0529% | 1,576 |
| Credit loss provision to net charge-offs | 352.9412% | 736 |
| Earnings coverage of net charge-offs (x) | 44.8118% | 997 |
| Efficiency ratio | 59.9601% | 4,068 |
| Assets per employee ($millions) | 5.1281% | 2,326 |
| Cash dividends to net income (ytd only)* | 30.9792% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,606 |
| Loan loss allowance to noncurrent loans | 306.1503% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,876 |
| Noncurrent loans to loans | 0.4776% | 3,090 |
| Net loans and leases to total assets | 70.6518% | 2,376 |
| Net loans and leases to deposits | 81.7256% | 2,621 |
| Net loans and leases to core deposits | 85.4234% | 2,854 |
| Total domestic deposits to total assets | 86.4501% | 2,338 |
| Equity capital to assets | 9.6871% | 3,901 |
| Core capital (leverage) ratio | 9.9197% | 3,615 |
| Tier 1 risk-based capital ratio | 13.8565% | 3,460 |
| Total risk-based capital ratio | 15.1096% | 3,371 |
| Memoranda: | ||
| Average total assets | $880,976,500 | 874 |
| Average earning assets | $808,869,500 | 877 |
| Average equity | $86,903,500 | 966 |
| Average total loans | $642,160,500 | 855 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,136 |
| Cost of funding earning assets | 0.4138% | 3,115 |
| Net interest margin | 3.6648% | 2,934 |
| Noninterest income to average assets | 0.8822% | 1,320 |
| Noninterest expense to average assets | 2.7593% | 2,923 |
| Loan and lease loss provision to assets | 0.1706% | 1,287 |
| Net operating income to assets | 1.1036% | 1,844 |
| Return on assets (ROA) | 1.0891% | 1,919 |
| Pretax return on assets | 1.2932% | 2,376 |
| Return on Equity (ROE) | 11.0886% | 1,441 |
| Retained earnings to average equity (ytd only) | 8.0056% | 762 |
| Net charge-offs to loans | 0.2580% | 1,010 |
| Credit loss provision to net charge-offs | 89.4510% | 2,797 |
| Earnings coverage of net charge-offs (x) | 7.7668% | 2,995 |
| Efficiency ratio | 65.0724% | 3,428 |
| Assets per employee ($millions) | 4.9402% | 2,555 |
| Cash dividends to net income (ytd only)* | 27.8030% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,637 |
| Loan loss allowance to noncurrent loans | 266.6957% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 2,856 |
| Noncurrent loans to loans | 0.5379% | 2,888 |
| Net loans and leases to total assets | 73.0657% | 2,082 |
| Net loans and leases to deposits | 86.4895% | 2,195 |
| Net loans and leases to core deposits | 90.3926% | 2,525 |
| Total domestic deposits to total assets | 84.4792% | 3,042 |
| Equity capital to assets | 10.0486% | 3,648 |
| Core capital (leverage) ratio | 9.8926% | 3,592 |
| Tier 1 risk-based capital ratio | 13.6117% | 3,566 |
| Total risk-based capital ratio | 14.8644% | 3,483 |
| Memoranda: | ||
| Average total assets | $850,081,200 | 877 |
| Average earning assets | $778,947,600 | 886 |
| Average equity | $83,491,400 | 970 |
| Average total loans | $628,205,600 | 834 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 3,063 |
| Cost of funding earning assets | 0.4048% | 3,137 |
| Net interest margin | 3.6724% | 2,853 |
| Noninterest income to average assets | 0.8898% | 1,302 |
| Noninterest expense to average assets | 2.6450% | 3,264 |
| Loan and lease loss provision to assets | 0.1457% | 1,439 |
| Net operating income to assets | 1.0834% | 2,159 |
| Return on assets (ROA) | 1.0834% | 2,219 |
| Pretax return on assets | 1.4655% | 1,895 |
| Return on Equity (ROE) | 11.0960% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.3694% | 1,506 |
| Net charge-offs to loans | 0.1990% | 1,068 |
| Credit loss provision to net charge-offs | 99.1426% | 2,326 |
| Earnings coverage of net charge-offs (x) | 10.9636% | 2,539 |
| Efficiency ratio | 62.1443% | 3,859 |
| Assets per employee ($millions) | 5.0855% | 2,344 |
| Cash dividends to net income (ytd only)* | 33.5853% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,648 |
| Loan loss allowance to noncurrent loans | 242.1325% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 2,892 |
| Noncurrent loans to loans | 0.6068% | 2,891 |
| Net loans and leases to total assets | 71.3207% | 2,358 |
| Net loans and leases to deposits | 83.7157% | 2,592 |
| Net loans and leases to core deposits | 87.4174% | 2,830 |
| Total domestic deposits to total assets | 85.1939% | 2,638 |
| Equity capital to assets | 9.6846% | 4,258 |
| Core capital (leverage) ratio | 9.7156% | 3,920 |
| Tier 1 risk-based capital ratio | 13.4681% | 3,724 |
| Total risk-based capital ratio | 14.7214% | 3,637 |
| Memoranda: | ||
| Average total assets | $846,468,500 | 887 |
| Average earning assets | $775,927,250 | 892 |
| Average equity | $82,646,000 | 986 |
| Average total loans | $625,039,750 | 843 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 2,963 |
| Cost of funding earning assets | 0.3841% | 3,246 |
| Net interest margin | 3.6800% | 2,722 |
| Noninterest income to average assets | 0.8775% | 1,341 |
| Noninterest expense to average assets | 2.6458% | 3,282 |
| Loan and lease loss provision to assets | 0.1317% | 1,586 |
| Net operating income to assets | 1.0944% | 2,004 |
| Return on assets (ROA) | 1.0944% | 2,063 |
| Pretax return on assets | 1.4830% | 1,707 |
| Return on Equity (ROE) | 11.1770% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.4114% | 1,390 |
| Net charge-offs to loans | 0.1636% | 1,188 |
| Credit loss provision to net charge-offs | 108.2677% | 1,911 |
| Earnings coverage of net charge-offs (x) | 13.2756% | 2,140 |
| Efficiency ratio | 62.1017% | 3,974 |
| Assets per employee ($millions) | 4.8979% | 2,511 |
| Cash dividends to net income (ytd only)* | 33.6907% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,670 |
| Loan loss allowance to noncurrent loans | 138.8749% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 1,963 |
| Noncurrent loans to loans | 1.0609% | 1,853 |
| Net loans and leases to total assets | 73.3844% | 1,977 |
| Net loans and leases to deposits | 88.8735% | 1,881 |
| Net loans and leases to core deposits | 92.4138% | 2,302 |
| Total domestic deposits to total assets | 82.5717% | 3,696 |
| Equity capital to assets | 9.7579% | 4,170 |
| Core capital (leverage) ratio | 9.6589% | 3,952 |
| Tier 1 risk-based capital ratio | 13.2145% | 3,863 |
| Total risk-based capital ratio | 14.4680% | 3,771 |
| Memoranda: | ||
| Average total assets | $835,359,000 | 905 |
| Average earning assets | $767,938,000 | 906 |
| Average equity | $81,793,000 | 998 |
| Average total loans | $621,108,670 | 847 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,072 |
| Cost of funding earning assets | 0.3622% | 3,386 |
| Net interest margin | 3.6279% | 2,786 |
| Noninterest income to average assets | 0.8932% | 1,265 |
| Noninterest expense to average assets | 2.6654% | 3,263 |
| Loan and lease loss provision to assets | 0.1577% | 1,146 |
| Net operating income to assets | 1.0445% | 2,094 |
| Return on assets (ROA) | 1.0445% | 2,147 |
| Pretax return on assets | 1.4137% | 1,841 |
| Return on Equity (ROE) | 10.6491% | 1,687 |
| Retained earnings to average equity (ytd only) | 6.8405% | 1,912 |
| Net charge-offs to loans | 0.0921% | 1,432 |
| Credit loss provision to net charge-offs | 230.4965% | 933 |
| Earnings coverage of net charge-offs (x) | 22.9716% | 1,399 |
| Efficiency ratio | 62.9108% | 4,004 |
| Assets per employee ($millions) | 4.9669% | 2,488 |
| Cash dividends to net income (ytd only)* | 35.7641% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,581 |
| Loan loss allowance to noncurrent loans | 120.7232% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,679 |
| Noncurrent loans to loans | 1.2678% | 1,592 |
| Net loans and leases to total assets | 71.9059% | 2,089 |
| Net loans and leases to deposits | 83.6702% | 2,321 |
| Net loans and leases to core deposits | 86.8205% | 2,655 |
| Total domestic deposits to total assets | 85.9396% | 2,696 |
| Equity capital to assets | 9.5458% | 4,232 |
| Core capital (leverage) ratio | 9.8350% | 3,711 |
| Tier 1 risk-based capital ratio | 13.1642% | 3,984 |
| Total risk-based capital ratio | 14.4184% | 3,891 |
| Memoranda: | ||
| Average total assets | $824,476,500 | 919 |
| Average earning assets | $759,894,500 | 919 |
| Average equity | $80,871,000 | 1,003 |
| Average total loans | $612,462,500 | 858 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,143 |
| Cost of funding earning assets | 0.3341% | 3,704 |
| Net interest margin | 3.6800% | 2,774 |
| Noninterest income to average assets | 0.9013% | 1,410 |
| Noninterest expense to average assets | 2.6898% | 3,374 |
| Loan and lease loss provision to assets | 0.1343% | 1,857 |
| Net operating income to assets | 1.0796% | 1,986 |
| Return on assets (ROA) | 1.0805% | 2,085 |
| Pretax return on assets | 1.4808% | 1,654 |
| Return on Equity (ROE) | 10.4552% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.7035% | 1,352 |
| Net charge-offs to loans | 0.2080% | 1,339 |
| Credit loss provision to net charge-offs | 86.2795% | 2,867 |
| Earnings coverage of net charge-offs (x) | 10.3712% | 2,648 |
| Efficiency ratio | 62.5000% | 4,175 |
| Assets per employee ($millions) | 4.7584% | 2,713 |
| Cash dividends to net income (ytd only)* | 35.8831% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,475 |
| Loan loss allowance to noncurrent loans | 126.7289% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 1,713 |
| Noncurrent loans to loans | 1.2293% | 1,670 |
| Net loans and leases to total assets | 74.4628% | 1,772 |
| Net loans and leases to deposits | 84.0988% | 2,400 |
| Net loans and leases to core deposits | 87.4047% | 2,738 |
| Total domestic deposits to total assets | 88.5421% | 1,359 |
| Equity capital to assets | 10.0915% | 3,618 |
| Core capital (leverage) ratio | 10.3142% | 3,088 |
| Tier 1 risk-based capital ratio | 13.5860% | 3,714 |
| Total risk-based capital ratio | 14.8408% | 3,617 |
| Memoranda: | ||
| Average total assets | $763,446,000 | 945 |
| Average earning assets | $705,841,800 | 947 |
| Average equity | $78,898,800 | 1,004 |
| Average total loans | $571,096,400 | 870 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,116 |
| Cost of funding earning assets | 0.3354% | 3,711 |
| Net interest margin | 3.6931% | 2,744 |
| Noninterest income to average assets | 0.8727% | 1,504 |
| Noninterest expense to average assets | 2.7028% | 3,337 |
| Loan and lease loss provision to assets | 0.1147% | 2,016 |
| Net operating income to assets | 1.0729% | 2,103 |
| Return on assets (ROA) | 1.0740% | 2,206 |
| Pretax return on assets | 1.4707% | 1,803 |
| Return on Equity (ROE) | 10.3287% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.7687% | 1,743 |
| Net charge-offs to loans | 0.2321% | 1,013 |
| Credit loss provision to net charge-offs | 66.2589% | 2,843 |
| Earnings coverage of net charge-offs (x) | 9.1498% | 2,702 |
| Efficiency ratio | 63.0526% | 4,065 |
| Assets per employee ($millions) | 4.7895% | 2,626 |
| Cash dividends to net income (ytd only)* | 34.4668% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 1,469 |
| Loan loss allowance to noncurrent loans | 155.1806% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 2,079 |
| Noncurrent loans to loans | 1.0313% | 2,181 |
| Net loans and leases to total assets | 73.3275% | 1,979 |
| Net loans and leases to deposits | 84.1367% | 2,466 |
| Net loans and leases to core deposits | 87.8557% | 2,775 |
| Total domestic deposits to total assets | 87.1529% | 1,822 |
| Equity capital to assets | 10.5069% | 3,556 |
| Core capital (leverage) ratio | 10.2477% | 3,283 |
| Tier 1 risk-based capital ratio | 14.0151% | 3,552 |
| Total risk-based capital ratio | 15.2703% | 3,470 |
| Memoranda: | ||
| Average total assets | $755,645,000 | 958 |
| Average earning assets | $698,514,000 | 953 |
| Average equity | $78,575,500 | 1,015 |
| Average total loans | $563,599,750 | 879 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 3,205 |
| Cost of funding earning assets | 0.3379% | 3,719 |
| Net interest margin | 3.6722% | 2,817 |
| Noninterest income to average assets | 0.8506% | 1,542 |
| Noninterest expense to average assets | 2.7076% | 3,369 |
| Loan and lease loss provision to assets | 0.1133% | 1,984 |
| Net operating income to assets | 1.0485% | 2,188 |
| Return on assets (ROA) | 1.0502% | 2,298 |
| Pretax return on assets | 1.4265% | 1,922 |
| Return on Equity (ROE) | 10.1362% | 1,992 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,827 |
| Net charge-offs to loans | 0.2661% | 904 |
| Credit loss provision to net charge-offs | 57.0470% | 2,609 |
| Earnings coverage of net charge-offs (x) | 7.7436% | 2,599 |
| Efficiency ratio | 63.7830% | 4,061 |
| Assets per employee ($millions) | 4.7309% | 2,660 |
| Cash dividends to net income (ytd only)* | 35.0672% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 1,438 |
| Loan loss allowance to noncurrent loans | 154.1953% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 2,151 |
| Noncurrent loans to loans | 1.0598% | 2,171 |
| Net loans and leases to total assets | 73.2122% | 1,978 |
| Net loans and leases to deposits | 83.5165% | 2,525 |
| Net loans and leases to core deposits | 87.2844% | 2,794 |
| Total domestic deposits to total assets | 87.6619% | 1,595 |
| Equity capital to assets | 10.5469% | 3,580 |
| Core capital (leverage) ratio | 10.0924% | 3,453 |
| Tier 1 risk-based capital ratio | 13.9037% | 3,657 |
| Total risk-based capital ratio | 15.1592% | 3,576 |
| Memoranda: | ||
| Average total assets | $750,488,670 | 963 |
| Average earning assets | $693,693,670 | 960 |
| Average equity | $77,760,670 | 1,024 |
| Average total loans | $559,921,330 | 883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,219 |
| Cost of funding earning assets | 0.3464% | 3,636 |
| Net interest margin | 3.6544% | 2,874 |
| Noninterest income to average assets | 0.7847% | 1,679 |
| Noninterest expense to average assets | 2.7337% | 3,298 |
| Loan and lease loss provision to assets | 0.0803% | 2,351 |
| Net operating income to assets | 0.9935% | 2,312 |
| Return on assets (ROA) | 0.9935% | 2,426 |
| Pretax return on assets | 1.3479% | 2,102 |
| Return on Equity (ROE) | 9.6763% | 2,126 |
| Retained earnings to average equity (ytd only) | 6.2041% | 2,274 |
| Net charge-offs to loans | 0.2100% | 954 |
| Credit loss provision to net charge-offs | 51.1945% | 2,042 |
| Earnings coverage of net charge-offs (x) | 9.1058% | 2,012 |
| Efficiency ratio | 65.6849% | 3,851 |
| Assets per employee ($millions) | 4.7765% | 2,632 |
| Cash dividends to net income (ytd only)* | 35.8836% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,409 |
| Loan loss allowance to noncurrent loans | 105.1429% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3989% | 1,482 |
| Noncurrent loans to loans | 1.5994% | 1,450 |
| Net loans and leases to total assets | 71.7879% | 2,074 |
| Net loans and leases to deposits | 82.1066% | 2,532 |
| Net loans and leases to core deposits | 85.7955% | 2,768 |
| Total domestic deposits to total assets | 87.4325% | 1,968 |
| Equity capital to assets | 10.1643% | 3,884 |
| Core capital (leverage) ratio | 10.0187% | 3,520 |
| Tier 1 risk-based capital ratio | 13.8161% | 3,801 |
| Total risk-based capital ratio | 15.0723% | 3,737 |
| Memoranda: | ||
| Average total assets | $747,258,500 | 964 |
| Average earning assets | $690,574,000 | 958 |
| Average equity | $76,723,500 | 1,040 |
| Average total loans | $558,189,000 | 883 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,044 |
| Cost of funding earning assets | 0.3838% | 3,332 |
| Net interest margin | 3.6826% | 2,813 |
| Noninterest income to average assets | 0.8941% | 1,458 |
| Noninterest expense to average assets | 2.8300% | 3,106 |
| Loan and lease loss provision to assets | 0.1512% | 1,561 |
| Net operating income to assets | 1.0462% | 2,143 |
| Return on assets (ROA) | 1.0551% | 2,191 |
| Pretax return on assets | 1.3376% | 2,141 |
| Return on Equity (ROE) | 10.1774% | 1,945 |
| Retained earnings to average equity (ytd only) | 6.3197% | 1,648 |
| Net charge-offs to loans | 0.1344% | 2,018 |
| Credit loss provision to net charge-offs | 149.0985% | 1,783 |
| Earnings coverage of net charge-offs (x) | 14.5728% | 2,280 |
| Efficiency ratio | 65.6993% | 3,952 |
| Assets per employee ($millions) | 4.4529% | 3,118 |
| Cash dividends to net income (ytd only)* | 37.9048% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 1,335 |
| Loan loss allowance to noncurrent loans | 101.7951% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 1,461 |
| Noncurrent loans to loans | 1.6762% | 1,355 |
| Net loans and leases to total assets | 75.1544% | 1,541 |
| Net loans and leases to deposits | 88.3983% | 1,824 |
| Net loans and leases to core deposits | 93.0782% | 2,126 |
| Total domestic deposits to total assets | 85.0180% | 3,085 |
| Equity capital to assets | 10.3751% | 3,527 |
| Core capital (leverage) ratio | 10.1401% | 3,334 |
| Tier 1 risk-based capital ratio | 13.6229% | 3,934 |
| Total risk-based capital ratio | 14.8794% | 3,860 |
| Memoranda: | ||
| Average total assets | $711,133,400 | 979 |
| Average earning assets | $659,149,800 | 969 |
| Average equity | $73,722,200 | 1,036 |
| Average total loans | $536,645,000 | 874 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,062 |
| Cost of funding earning assets | 0.3915% | 3,306 |
| Net interest margin | 3.6789% | 2,854 |
| Noninterest income to average assets | 0.8851% | 1,495 |
| Noninterest expense to average assets | 2.9003% | 2,850 |
| Loan and lease loss provision to assets | 0.0944% | 2,282 |
| Net operating income to assets | 1.0527% | 2,202 |
| Return on assets (ROA) | 1.0567% | 2,285 |
| Pretax return on assets | 1.3077% | 2,363 |
| Return on Equity (ROE) | 10.1949% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.6673% | 1,853 |
| Net charge-offs to loans | 0.1315% | 1,818 |
| Credit loss provision to net charge-offs | 95.4198% | 2,380 |
| Earnings coverage of net charge-offs (x) | 14.1259% | 2,269 |
| Efficiency ratio | 67.4880% | 3,632 |
| Assets per employee ($millions) | 4.5567% | 2,909 |
| Cash dividends to net income (ytd only)* | 34.6016% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 1,521 |
| Loan loss allowance to noncurrent loans | 197.1342% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,950 |
| Noncurrent loans to loans | 0.8527% | 2,842 |
| Net loans and leases to total assets | 73.3976% | 1,838 |
| Net loans and leases to deposits | 83.2097% | 2,506 |
| Net loans and leases to core deposits | 88.4418% | 2,619 |
| Total domestic deposits to total assets | 88.2080% | 1,451 |
| Equity capital to assets | 10.3042% | 3,810 |
| Core capital (leverage) ratio | 10.0941% | 3,509 |
| Tier 1 risk-based capital ratio | 13.7675% | 3,983 |
| Total risk-based capital ratio | 15.0237% | 3,919 |
| Memoranda: | ||
| Average total assets | $706,348,000 | 988 |
| Average earning assets | $655,187,750 | 977 |
| Average equity | $73,211,000 | 1,045 |
| Average total loans | $531,216,000 | 891 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,088 |
| Cost of funding earning assets | 0.4142% | 3,111 |
| Net interest margin | 3.6330% | 2,970 |
| Noninterest income to average assets | 0.8609% | 1,569 |
| Noninterest expense to average assets | 2.9503% | 2,718 |
| Loan and lease loss provision to assets | 0.0859% | 2,395 |
| Net operating income to assets | 1.0257% | 2,260 |
| Return on assets (ROA) | 1.0301% | 2,344 |
| Pretax return on assets | 1.2035% | 2,763 |
| Return on Equity (ROE) | 9.9183% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.4046% | 1,999 |
| Net charge-offs to loans | 0.0812% | 2,240 |
| Credit loss provision to net charge-offs | 140.1869% | 1,601 |
| Earnings coverage of net charge-offs (x) | 20.9673% | 1,692 |
| Efficiency ratio | 69.6722% | 3,392 |
| Assets per employee ($millions) | 4.1996% | 3,470 |
| Cash dividends to net income (ytd only)* | 35.4265% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,577 |
| Loan loss allowance to noncurrent loans | 217.8588% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 3,051 |
| Noncurrent loans to loans | 0.7848% | 3,142 |
| Net loans and leases to total assets | 74.1192% | 1,642 |
| Net loans and leases to deposits | 87.6820% | 1,876 |
| Net loans and leases to core deposits | 91.9297% | 2,169 |
| Total domestic deposits to total assets | 84.5319% | 3,328 |
| Equity capital to assets | 10.1862% | 3,820 |
| Core capital (leverage) ratio | 10.1566% | 3,390 |
| Tier 1 risk-based capital ratio | 13.6644% | 4,120 |
| Total risk-based capital ratio | 14.9210% | 4,052 |
| Memoranda: | ||
| Average total assets | $698,774,000 | 1,001 |
| Average earning assets | $648,893,000 | 989 |
| Average equity | $72,573,000 | 1,060 |
| Average total loans | $526,865,000 | 901 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 3,004 |
| Cost of funding earning assets | 0.4374% | 2,909 |
| Net interest margin | 3.6208% | 2,924 |
| Noninterest income to average assets | 0.8545% | 1,549 |
| Noninterest expense to average assets | 2.7526% | 3,408 |
| Loan and lease loss provision to assets | 0.0871% | 2,241 |
| Net operating income to assets | 1.0121% | 2,207 |
| Return on assets (ROA) | 1.0129% | 2,337 |
| Pretax return on assets | 1.3699% | 1,999 |
| Return on Equity (ROE) | 9.6563% | 2,154 |
| Retained earnings to average equity (ytd only) | 6.2697% | 2,346 |
| Net charge-offs to loans | 0.0885% | 1,833 |
| Credit loss provision to net charge-offs | 130.4348% | 1,367 |
| Earnings coverage of net charge-offs (x) | 21.8087% | 1,369 |
| Efficiency ratio | 65.4069% | 4,253 |
| Assets per employee ($millions) | 4.3078% | 3,357 |
| Cash dividends to net income (ytd only)* | 35.0716% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 1,574 |
| Loan loss allowance to noncurrent loans | 212.3616% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 3,053 |
| Noncurrent loans to loans | 0.8312% | 3,162 |
| Net loans and leases to total assets | 72.9803% | 1,659 |
| Net loans and leases to deposits | 85.1367% | 1,937 |
| Net loans and leases to core deposits | 89.1324% | 2,214 |
| Total domestic deposits to total assets | 85.7213% | 3,080 |
| Equity capital to assets | 10.3875% | 3,669 |
| Core capital (leverage) ratio | 10.0545% | 3,530 |
| Tier 1 risk-based capital ratio | 13.8316% | 4,129 |
| Total risk-based capital ratio | 15.0888% | 4,051 |
| Memoranda: | ||
| Average total assets | $689,097,000 | 1,008 |
| Average earning assets | $638,310,000 | 1,004 |
| Average equity | $72,284,500 | 1,063 |
| Average total loans | $519,532,500 | 910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,871 |
| Cost of funding earning assets | 0.4818% | 2,859 |
| Net interest margin | 3.7420% | 2,839 |
| Noninterest income to average assets | 0.8632% | 1,632 |
| Noninterest expense to average assets | 2.8716% | 3,234 |
| Loan and lease loss provision to assets | 0.1618% | 1,625 |
| Net operating income to assets | 0.9549% | 2,606 |
| Return on assets (ROA) | 1.0226% | 2,362 |
| Pretax return on assets | 1.3790% | 1,959 |
| Return on Equity (ROE) | 9.7217% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.4686% | 1,664 |
| Net charge-offs to loans | 0.1641% | 2,390 |
| Credit loss provision to net charge-offs | 130.0613% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.6515% | 2,468 |
| Efficiency ratio | 66.4583% | 4,165 |
| Assets per employee ($millions) | 4.2517% | 3,449 |
| Cash dividends to net income (ytd only)* | 33.4627% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 1,588 |
| Loan loss allowance to noncurrent loans | 173.9947% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 2,607 |
| Noncurrent loans to loans | 1.0189% | 2,789 |
| Net loans and leases to total assets | 75.1805% | 1,388 |
| Net loans and leases to deposits | 86.5658% | 1,909 |
| Net loans and leases to core deposits | 90.6703% | 2,215 |
| Total domestic deposits to total assets | 86.8477% | 2,358 |
| Equity capital to assets | 10.5960% | 3,361 |
| Core capital (leverage) ratio | 9.9780% | 3,598 |
| Tier 1 risk-based capital ratio | 13.8914% | 4,169 |
| Total risk-based capital ratio | 15.1490% | 4,103 |
| Memoranda: | ||
| Average total assets | $655,208,200 | 1,023 |
| Average earning assets | $605,432,000 | 1,012 |
| Average equity | $68,918,000 | 1,068 |
| Average total loans | $496,764,600 | 904 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,900 |
| Cost of funding earning assets | 0.4791% | 2,966 |
| Net interest margin | 3.7481% | 2,827 |
| Noninterest income to average assets | 0.8488% | 1,703 |
| Noninterest expense to average assets | 2.8202% | 3,383 |
| Loan and lease loss provision to assets | 0.1661% | 1,491 |
| Net operating income to assets | 0.9822% | 2,532 |
| Return on assets (ROA) | 1.0279% | 2,389 |
| Pretax return on assets | 1.3870% | 2,058 |
| Return on Equity (ROE) | 9.7907% | 2,319 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,941 |
| Net charge-offs to loans | 0.1250% | 2,552 |
| Credit loss provision to net charge-offs | 175.7050% | 1,417 |
| Earnings coverage of net charge-offs (x) | 15.7723% | 2,031 |
| Efficiency ratio | 65.4091% | 4,309 |
| Assets per employee ($millions) | 4.1825% | 3,523 |
| Cash dividends to net income (ytd only)* | 30.7524% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 1,601 |
| Loan loss allowance to noncurrent loans | 199.9353% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 3,015 |
| Noncurrent loans to loans | 0.9202% | 3,264 |
| Net loans and leases to total assets | 73.5070% | 1,597 |
| Net loans and leases to deposits | 86.5463% | 1,848 |
| Net loans and leases to core deposits | 90.3025% | 2,194 |
| Total domestic deposits to total assets | 84.9337% | 3,365 |
| Equity capital to assets | 10.4781% | 3,592 |
| Core capital (leverage) ratio | 10.3060% | 3,286 |
| Tier 1 risk-based capital ratio | 13.9221% | 4,275 |
| Total risk-based capital ratio | 15.1803% | 4,211 |
| Memoranda: | ||
| Average total assets | $650,005,250 | 1,040 |
| Average earning assets | $600,530,750 | 1,030 |
| Average equity | $68,239,750 | 1,080 |
| Average total loans | $491,603,750 | 912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,820 |
| Cost of funding earning assets | 0.4817% | 3,006 |
| Net interest margin | 3.7553% | 2,739 |
| Noninterest income to average assets | 0.8626% | 1,614 |
| Noninterest expense to average assets | 2.8405% | 3,372 |
| Loan and lease loss provision to assets | 0.1869% | 1,304 |
| Net operating income to assets | 0.9658% | 2,472 |
| Return on assets (ROA) | 1.0352% | 2,249 |
| Pretax return on assets | 1.3958% | 1,901 |
| Return on Equity (ROE) | 9.8537% | 2,222 |
| Retained earnings to average equity (ytd only) | 7.0879% | 1,727 |
| Net charge-offs to loans | 0.2048% | 1,799 |
| Credit loss provision to net charge-offs | 120.2405% | 1,717 |
| Earnings coverage of net charge-offs (x) | 9.5812% | 2,345 |
| Efficiency ratio | 65.6093% | 4,419 |
| Assets per employee ($millions) | 3.9147% | 4,026 |
| Cash dividends to net income (ytd only)* | 28.0686% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,817 |
| Loan loss allowance to noncurrent loans | 221.0282% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 3,133 |
| Noncurrent loans to loans | 0.8204% | 3,656 |
| Net loans and leases to total assets | 75.2381% | 1,276 |
| Net loans and leases to deposits | 90.7771% | 1,294 |
| Net loans and leases to core deposits | 95.2133% | 1,668 |
| Total domestic deposits to total assets | 82.8823% | 4,353 |
| Equity capital to assets | 10.6809% | 3,217 |
| Core capital (leverage) ratio | 10.3129% | 3,196 |
| Tier 1 risk-based capital ratio | 14.0018% | 4,257 |
| Total risk-based capital ratio | 15.2600% | 4,189 |
| Memoranda: | ||
| Average total assets | $642,212,000 | 1,054 |
| Average earning assets | $592,874,670 | 1,040 |
| Average equity | $67,467,000 | 1,083 |
| Average total loans | $487,384,330 | 917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,079 |
| Cost of funding earning assets | 0.4805% | 3,102 |
| Net interest margin | 3.6686% | 2,996 |
| Noninterest income to average assets | 0.8784% | 1,458 |
| Noninterest expense to average assets | 2.8597% | 3,342 |
| Loan and lease loss provision to assets | 0.1880% | 1,270 |
| Net operating income to assets | 0.9059% | 2,620 |
| Return on assets (ROA) | 1.0019% | 2,263 |
| Pretax return on assets | 1.3471% | 1,928 |
| Return on Equity (ROE) | 9.6186% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.2981% | 2,382 |
| Net charge-offs to loans | 0.2730% | 1,253 |
| Credit loss provision to net charge-offs | 91.1854% | 1,788 |
| Earnings coverage of net charge-offs (x) | 6.8176% | 2,189 |
| Efficiency ratio | 67.0486% | 4,354 |
| Assets per employee ($millions) | 3.9125% | 4,124 |
| Cash dividends to net income (ytd only)* | 34.5216% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 1,940 |
| Loan loss allowance to noncurrent loans | 238.5791% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 3,345 |
| Noncurrent loans to loans | 0.7697% | 3,936 |
| Net loans and leases to total assets | 72.8072% | 1,450 |
| Net loans and leases to deposits | 85.7259% | 1,634 |
| Net loans and leases to core deposits | 89.8667% | 1,920 |
| Total domestic deposits to total assets | 84.9302% | 3,909 |
| Equity capital to assets | 10.2965% | 3,478 |
| Core capital (leverage) ratio | 10.2396% | 3,235 |
| Tier 1 risk-based capital ratio | 14.1054% | 4,261 |
| Total risk-based capital ratio | 15.3637% | 4,203 |
| Memoranda: | ||
| Average total assets | $638,397,500 | 1,068 |
| Average earning assets | $589,333,500 | 1,057 |
| Average equity | $66,496,000 | 1,101 |
| Average total loans | $482,098,000 | 928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 2,686 |
| Cost of funding earning assets | 0.5244% | 3,355 |
| Net interest margin | 3.8463% | 2,480 |
| Noninterest income to average assets | 0.9626% | 1,484 |
| Noninterest expense to average assets | 2.9488% | 3,205 |
| Loan and lease loss provision to assets | 0.4132% | 719 |
| Net operating income to assets | 0.8186% | 3,196 |
| Return on assets (ROA) | 1.1934% | 1,660 |
| Pretax return on assets | 1.6410% | 1,072 |
| Return on Equity (ROE) | 12.0829% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.1287% | 545 |
| Net charge-offs to loans | 0.5626% | 1,167 |
| Credit loss provision to net charge-offs | 98.3038% | 2,528 |
| Earnings coverage of net charge-offs (x) | 3.6654% | 3,792 |
| Efficiency ratio | 65.6800% | 4,619 |
| Assets per employee ($millions) | 3.8482% | 4,162 |
| Cash dividends to net income (ytd only)* | 16.1733% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,885 |
| Loan loss allowance to noncurrent loans | 153.3230% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 2,880 |
| Noncurrent loans to loans | 1.2142% | 3,115 |
| Net loans and leases to total assets | 75.4973% | 1,148 |
| Net loans and leases to deposits | 88.8533% | 1,370 |
| Net loans and leases to core deposits | 93.4388% | 1,641 |
| Total domestic deposits to total assets | 84.9684% | 3,765 |
| Equity capital to assets | 10.5414% | 3,101 |
| Core capital (leverage) ratio | 10.2938% | 3,157 |
| Tier 1 risk-based capital ratio | 13.8548% | 4,395 |
| Total risk-based capital ratio | 15.1133% | 4,331 |
| Memoranda: | ||
| Average total assets | $617,075,000 | 1,082 |
| Average earning assets | $565,839,600 | 1,074 |
| Average equity | $60,945,800 | 1,180 |
| Average total loans | $461,090,400 | 920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,620 |
| Cost of funding earning assets | 0.5243% | 3,525 |
| Net interest margin | 3.8678% | 2,388 |
| Noninterest income to average assets | 1.0422% | 1,338 |
| Noninterest expense to average assets | 2.9502% | 3,139 |
| Loan and lease loss provision to assets | 0.3466% | 934 |
| Net operating income to assets | 0.9543% | 2,568 |
| Return on assets (ROA) | 0.9969% | 2,476 |
| Pretax return on assets | 1.3439% | 2,151 |
| Return on Equity (ROE) | 10.2686% | 2,076 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,232 |
| Net charge-offs to loans | 0.6330% | 972 |
| Credit loss provision to net charge-offs | 73.8348% | 2,983 |
| Earnings coverage of net charge-offs (x) | 3.4785% | 3,687 |
| Efficiency ratio | 64.3711% | 4,740 |
| Assets per employee ($millions) | 3.8781% | 4,077 |
| Cash dividends to net income (ytd only)* | 17.6228% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 2,273 |
| Loan loss allowance to noncurrent loans | 129.4471% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 2,475 |
| Noncurrent loans to loans | 1.3978% | 3,073 |
| Net loans and leases to total assets | 71.2802% | 1,731 |
| Net loans and leases to deposits | 83.7161% | 1,912 |
| Net loans and leases to core deposits | 88.1126% | 2,173 |
| Total domestic deposits to total assets | 85.1452% | 3,663 |
| Equity capital to assets | 9.6025% | 4,413 |
| Core capital (leverage) ratio | 10.0169% | 3,658 |
| Tier 1 risk-based capital ratio | 12.5948% | 5,393 |
| Total risk-based capital ratio | 13.8507% | 5,336 |
| Memoranda: | ||
| Average total assets | $615,491,750 | 1,093 |
| Average earning assets | $563,477,000 | 1,085 |
| Average equity | $59,753,250 | 1,215 |
| Average total loans | $456,467,000 | 937 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 2,231 |
| Cost of funding earning assets | 0.5287% | 3,620 |
| Net interest margin | 3.9619% | 2,001 |
| Noninterest income to average assets | 1.0686% | 1,341 |
| Noninterest expense to average assets | 2.9916% | 3,021 |
| Loan and lease loss provision to assets | 0.3787% | 851 |
| Net operating income to assets | 0.9758% | 2,443 |
| Return on assets (ROA) | 1.0070% | 2,437 |
| Pretax return on assets | 1.3577% | 2,091 |
| Return on Equity (ROE) | 10.3329% | 2,072 |
| Retained earnings to average equity (ytd only) | 8.4948% | 1,291 |
| Net charge-offs to loans | 0.8048% | 781 |
| Credit loss provision to net charge-offs | 62.9792% | 2,966 |
| Earnings coverage of net charge-offs (x) | 2.8176% | 3,578 |
| Efficiency ratio | 63.8440% | 4,889 |
| Assets per employee ($millions) | 3.5953% | 4,639 |
| Cash dividends to net income (ytd only)* | 17.7894% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,494 |
| Loan loss allowance to noncurrent loans | 107.6843% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 2,334 |
| Noncurrent loans to loans | 1.6541% | 2,834 |
| Net loans and leases to total assets | 74.4077% | 1,193 |
| Net loans and leases to deposits | 88.0529% | 1,334 |
| Net loans and leases to core deposits | 92.9211% | 1,621 |
| Total domestic deposits to total assets | 84.5034% | 4,126 |
| Equity capital to assets | 9.6866% | 4,328 |
| Core capital (leverage) ratio | 9.9741% | 3,561 |
| Tier 1 risk-based capital ratio | 12.3931% | 5,579 |
| Total risk-based capital ratio | 13.6488% | 5,521 |
| Memoranda: | ||
| Average total assets | $607,360,330 | 1,105 |
| Average earning assets | $554,531,670 | 1,105 |
| Average equity | $59,189,330 | 1,226 |
| Average total loans | $453,783,670 | 934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 2,122 |
| Cost of funding earning assets | 0.5352% | 3,724 |
| Net interest margin | 3.9776% | 1,871 |
| Noninterest income to average assets | 1.0794% | 1,271 |
| Noninterest expense to average assets | 3.1323% | 2,572 |
| Loan and lease loss provision to assets | 0.3645% | 889 |
| Net operating income to assets | 0.8939% | 2,682 |
| Return on assets (ROA) | 0.9522% | 2,572 |
| Pretax return on assets | 1.2809% | 2,295 |
| Return on Equity (ROE) | 9.7411% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.4396% | 1,587 |
| Net charge-offs to loans | 1.1487% | 514 |
| Credit loss provision to net charge-offs | 42.7683% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.8383% | 3,228 |
| Efficiency ratio | 66.6620% | 4,545 |
| Assets per employee ($millions) | 3.7220% | 4,508 |
| Cash dividends to net income (ytd only)* | 13.3612% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 2,527 |
| Loan loss allowance to noncurrent loans | 77.8229% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.2939% | 2,026 |
| Noncurrent loans to loans | 2.3461% | 2,223 |
| Net loans and leases to total assets | 72.9949% | 1,203 |
| Net loans and leases to deposits | 86.0796% | 1,341 |
| Net loans and leases to core deposits | 90.9709% | 1,610 |
| Total domestic deposits to total assets | 84.7993% | 4,138 |
| Equity capital to assets | 9.7971% | 4,422 |
| Core capital (leverage) ratio | 9.4247% | 4,201 |
| Tier 1 risk-based capital ratio | 12.1627% | 5,817 |
| Total risk-based capital ratio | 13.4188% | 5,768 |
| Memoranda: | ||
| Average total assets | $603,641,500 | 1,120 |
| Average earning assets | $549,277,000 | 1,121 |
| Average equity | $59,007,500 | 1,238 |
| Average total loans | $447,799,000 | 958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 3,364 |
| Cost of funding earning assets | 0.6048% | 4,299 |
| Net interest margin | 3.9027% | 2,815 |
| Noninterest income to average assets | 1.0081% | 1,511 |
| Noninterest expense to average assets | 2.9383% | 3,507 |
| Loan and lease loss provision to assets | 0.5318% | 1,088 |
| Net operating income to assets | 0.8151% | 3,220 |
| Return on assets (ROA) | 0.8389% | 3,353 |
| Pretax return on assets | 1.1107% | 3,120 |
| Return on Equity (ROE) | 9.1314% | 2,574 |
| Retained earnings to average equity (ytd only) | 7.1170% | 1,515 |
| Net charge-offs to loans | 0.5586% | 2,067 |
| Credit loss provision to net charge-offs | 136.2112% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.1266% | 3,472 |
| Efficiency ratio | 64.5866% | 4,779 |
| Assets per employee ($millions) | 3.7773% | 4,413 |
| Cash dividends to net income (ytd only)* | 22.0597% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0184% | 1,973 |
| Loan loss allowance to noncurrent loans | 64.8079% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.7599% | 1,741 |
| Noncurrent loans to loans | 3.1144% | 1,661 |
| Net loans and leases to total assets | 72.5179% | 1,420 |
| Net loans and leases to deposits | 84.6260% | 1,680 |
| Net loans and leases to core deposits | 89.2033% | 1,940 |
| Total domestic deposits to total assets | 85.6922% | 3,518 |
| Equity capital to assets | 9.7532% | 4,525 |
| Core capital (leverage) ratio | 9.6407% | 3,903 |
| Tier 1 risk-based capital ratio | 12.2142% | 5,647 |
| Total risk-based capital ratio | 13.4723% | 5,602 |
| Memoranda: | ||
| Average total assets | $611,135,600 | 1,085 |
| Average earning assets | $554,543,600 | 1,094 |
| Average equity | $56,147,000 | 1,266 |
| Average total loans | $427,156,400 | 980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 3,588 |
| Cost of funding earning assets | 0.6179% | 4,472 |
| Net interest margin | 3.8946% | 2,928 |
| Noninterest income to average assets | 1.0023% | 1,491 |
| Noninterest expense to average assets | 2.9161% | 3,533 |
| Loan and lease loss provision to assets | 0.4345% | 1,455 |
| Net operating income to assets | 0.8877% | 3,044 |
| Return on assets (ROA) | 0.9087% | 3,171 |
| Pretax return on assets | 1.2137% | 2,943 |
| Return on Equity (ROE) | 10.0418% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.9893% | 1,619 |
| Net charge-offs to loans | 0.6200% | 1,778 |
| Credit loss provision to net charge-offs | 101.7294% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.7935% | 3,509 |
| Efficiency ratio | 64.2850% | 4,764 |
| Assets per employee ($millions) | 3.7274% | 4,482 |
| Cash dividends to net income (ytd only)* | 20.4399% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 2,516 |
| Loan loss allowance to noncurrent loans | 62.2953% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.5438% | 2,078 |
| Noncurrent loans to loans | 3.0306% | 1,837 |
| Net loans and leases to total assets | 68.8001% | 2,151 |
| Net loans and leases to deposits | 80.7312% | 2,284 |
| Net loans and leases to core deposits | 84.9759% | 2,579 |
| Total domestic deposits to total assets | 85.2211% | 3,652 |
| Equity capital to assets | 9.4578% | 5,255 |
| Core capital (leverage) ratio | 9.3974% | 4,435 |
| Tier 1 risk-based capital ratio | 12.2819% | 5,782 |
| Total risk-based capital ratio | 13.5383% | 5,748 |
| Memoranda: | ||
| Average total assets | $613,771,000 | 1,087 |
| Average earning assets | $556,931,750 | 1,096 |
| Average equity | $55,539,500 | 1,293 |
| Average total loans | $422,818,000 | 993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 3,518 |
| Cost of funding earning assets | 0.6389% | 4,542 |
| Net interest margin | 3.9238% | 2,816 |
| Noninterest income to average assets | 0.9737% | 1,536 |
| Noninterest expense to average assets | 2.9666% | 3,384 |
| Loan and lease loss provision to assets | 0.4239% | 1,537 |
| Net operating income to assets | 0.8603% | 3,087 |
| Return on assets (ROA) | 0.8908% | 3,215 |
| Pretax return on assets | 1.1807% | 3,012 |
| Return on Equity (ROE) | 9.9957% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.8480% | 1,700 |
| Net charge-offs to loans | 0.5986% | 1,815 |
| Credit loss provision to net charge-offs | 103.4208% | 2,639 |
| Earnings coverage of net charge-offs (x) | 3.8154% | 3,259 |
| Efficiency ratio | 65.4815% | 4,626 |
| Assets per employee ($millions) | 3.5862% | 4,773 |
| Cash dividends to net income (ytd only)* | 21.4861% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,517 |
| Loan loss allowance to noncurrent loans | 59.5268% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.8076% | 1,963 |
| Noncurrent loans to loans | 3.2112% | 1,811 |
| Net loans and leases to total assets | 70.2600% | 1,875 |
| Net loans and leases to deposits | 81.6799% | 2,158 |
| Net loans and leases to core deposits | 85.9788% | 2,430 |
| Total domestic deposits to total assets | 86.0187% | 3,348 |
| Equity capital to assets | 9.4349% | 5,150 |
| Core capital (leverage) ratio | 9.1289% | 4,722 |
| Tier 1 risk-based capital ratio | 11.9978% | 5,937 |
| Total risk-based capital ratio | 13.2543% | 5,911 |
| Memoranda: | ||
| Average total assets | $613,356,670 | 1,087 |
| Average earning assets | $555,994,670 | 1,094 |
| Average equity | $54,663,670 | 1,300 |
| Average total loans | $420,000,000 | 998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 3,932 |
| Cost of funding earning assets | 0.6642% | 4,590 |
| Net interest margin | 3.8305% | 3,242 |
| Noninterest income to average assets | 0.9525% | 1,559 |
| Noninterest expense to average assets | 2.9275% | 3,516 |
| Loan and lease loss provision to assets | 0.4499% | 1,379 |
| Net operating income to assets | 0.7974% | 3,388 |
| Return on assets (ROA) | 0.8702% | 3,278 |
| Pretax return on assets | 1.1440% | 3,142 |
| Return on Equity (ROE) | 10.0459% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.8498% | 2,036 |
| Net charge-offs to loans | 0.4693% | 1,913 |
| Credit loss provision to net charge-offs | 143.1493% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.7669% | 2,506 |
| Efficiency ratio | 66.1487% | 4,533 |
| Assets per employee ($millions) | 3.9411% | 4,130 |
| Cash dividends to net income (ytd only)* | 21.8612% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,454 |
| Loan loss allowance to noncurrent loans | 63.8303% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4896% | 2,372 |
| Noncurrent loans to loans | 3.0843% | 2,075 |
| Net loans and leases to total assets | 64.8812% | 2,676 |
| Net loans and leases to deposits | 75.5680% | 2,872 |
| Net loans and leases to core deposits | 79.0706% | 3,171 |
| Total domestic deposits to total assets | 85.8580% | 3,612 |
| Equity capital to assets | 8.5475% | 6,044 |
| Core capital (leverage) ratio | 8.7440% | 5,216 |
| Tier 1 risk-based capital ratio | 11.6263% | 6,203 |
| Total risk-based capital ratio | 12.8834% | 6,180 |
| Memoranda: | ||
| Average total assets | $622,383,500 | 1,069 |
| Average earning assets | $564,316,000 | 1,082 |
| Average equity | $53,912,500 | 1,308 |
| Average total loans | $416,794,500 | 1,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 3,314 |
| Cost of funding earning assets | 0.8881% | 4,201 |
| Net interest margin | 4.0191% | 2,793 |
| Noninterest income to average assets | 0.8514% | 1,838 |
| Noninterest expense to average assets | 2.9678% | 3,712 |
| Loan and lease loss provision to assets | 0.3030% | 3,243 |
| Net operating income to assets | 0.9065% | 2,574 |
| Return on assets (ROA) | 0.8800% | 2,827 |
| Pretax return on assets | 1.1719% | 2,569 |
| Return on Equity (ROE) | 10.4926% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.3973% | 954 |
| Net charge-offs to loans | 0.3868% | 3,477 |
| Credit loss provision to net charge-offs | 113.2075% | 2,909 |
| Earnings coverage of net charge-offs (x) | 5.6428% | 2,721 |
| Efficiency ratio | 66.2745% | 4,713 |
| Assets per employee ($millions) | 3.7659% | 4,399 |
| Cash dividends to net income (ytd only)* | 19.9694% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 2,359 |
| Loan loss allowance to noncurrent loans | 56.9902% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.7105% | 2,242 |
| Noncurrent loans to loans | 3.4613% | 1,855 |
| Net loans and leases to total assets | 66.4551% | 2,695 |
| Net loans and leases to deposits | 78.1154% | 2,821 |
| Net loans and leases to core deposits | 81.9482% | 3,185 |
| Total domestic deposits to total assets | 85.0730% | 3,806 |
| Equity capital to assets | 8.7831% | 5,815 |
| Core capital (leverage) ratio | 8.6927% | 5,262 |
| Tier 1 risk-based capital ratio | 11.6710% | 6,041 |
| Total risk-based capital ratio | 12.9278% | 6,022 |
| Memoranda: | ||
| Average total assets | $594,074,000 | 1,110 |
| Average earning assets | $536,070,800 | 1,115 |
| Average equity | $49,825,800 | 1,368 |
| Average total loans | $411,098,600 | 1,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 3,081 |
| Cost of funding earning assets | 0.9314% | 4,184 |
| Net interest margin | 4.0701% | 2,601 |
| Noninterest income to average assets | 0.8345% | 1,905 |
| Noninterest expense to average assets | 2.9835% | 3,616 |
| Loan and lease loss provision to assets | 0.3046% | 3,095 |
| Net operating income to assets | 0.9132% | 2,693 |
| Return on assets (ROA) | 0.9015% | 2,877 |
| Pretax return on assets | 1.2020% | 2,625 |
| Return on Equity (ROE) | 10.8801% | 1,905 |
| Retained earnings to average equity (ytd only) | 8.7781% | 1,222 |
| Net charge-offs to loans | 0.4177% | 3,051 |
| Credit loss provision to net charge-offs | 104.8137% | 3,174 |
| Earnings coverage of net charge-offs (x) | 5.2384% | 2,841 |
| Efficiency ratio | 66.2177% | 4,683 |
| Assets per employee ($millions) | 3.9941% | 3,857 |
| Cash dividends to net income (ytd only)* | 19.3194% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 2,370 |
| Loan loss allowance to noncurrent loans | 93.1103% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 3,521 |
| Noncurrent loans to loans | 2.1320% | 3,204 |
| Net loans and leases to total assets | 63.4840% | 3,415 |
| Net loans and leases to deposits | 74.7753% | 3,549 |
| Net loans and leases to core deposits | 78.5143% | 3,826 |
| Total domestic deposits to total assets | 84.8997% | 3,814 |
| Equity capital to assets | 8.3608% | 6,430 |
| Core capital (leverage) ratio | 8.6170% | 5,525 |
| Tier 1 risk-based capital ratio | 11.6178% | 6,159 |
| Total risk-based capital ratio | 12.8747% | 6,146 |
| Memoranda: | ||
| Average total assets | $591,015,250 | 1,120 |
| Average earning assets | $533,079,750 | 1,132 |
| Average equity | $48,969,000 | 1,398 |
| Average total loans | $411,115,500 | 1,030 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 2,463 |
| Cost of funding earning assets | 0.9926% | 3,993 |
| Net interest margin | 4.1578% | 2,195 |
| Noninterest income to average assets | 0.8311% | 1,886 |
| Noninterest expense to average assets | 3.0392% | 3,486 |
| Loan and lease loss provision to assets | 0.2923% | 3,058 |
| Net operating income to assets | 0.9315% | 2,510 |
| Return on assets (ROA) | 0.9139% | 2,679 |
| Pretax return on assets | 1.2151% | 2,421 |
| Return on Equity (ROE) | 11.0661% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.7221% | 1,202 |
| Net charge-offs to loans | 0.2914% | 3,419 |
| Credit loss provision to net charge-offs | 140.7285% | 2,165 |
| Earnings coverage of net charge-offs (x) | 7.3709% | 2,235 |
| Efficiency ratio | 66.5036% | 4,772 |
| Assets per employee ($millions) | 3.6317% | 4,610 |
| Cash dividends to net income (ytd only)* | 21.1813% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 2,372 |
| Loan loss allowance to noncurrent loans | 80.0708% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 3,206 |
| Noncurrent loans to loans | 2.4984% | 2,890 |
| Net loans and leases to total assets | 67.8114% | 2,657 |
| Net loans and leases to deposits | 78.7010% | 3,006 |
| Net loans and leases to core deposits | 82.3895% | 3,449 |
| Total domestic deposits to total assets | 86.1633% | 3,235 |
| Equity capital to assets | 8.4839% | 6,205 |
| Core capital (leverage) ratio | 8.5035% | 5,549 |
| Tier 1 risk-based capital ratio | 11.0837% | 6,457 |
| Total risk-based capital ratio | 12.3407% | 6,446 |
| Memoranda: | ||
| Average total assets | $581,659,670 | 1,150 |
| Average earning assets | $523,071,000 | 1,166 |
| Average equity | $48,038,670 | 1,408 |
| Average total loans | $414,494,670 | 1,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 2,669 |
| Cost of funding earning assets | 1.0063% | 4,161 |
| Net interest margin | 4.0900% | 2,306 |
| Noninterest income to average assets | 0.8819% | 1,723 |
| Noninterest expense to average assets | 3.0080% | 3,614 |
| Loan and lease loss provision to assets | 0.3285% | 2,580 |
| Net operating income to assets | 0.9470% | 2,371 |
| Return on assets (ROA) | 0.9081% | 2,582 |
| Pretax return on assets | 1.1938% | 2,389 |
| Return on Equity (ROE) | 11.1505% | 1,691 |
| Retained earnings to average equity (ytd only) | 8.6707% | 1,501 |
| Net charge-offs to loans | 0.1425% | 3,647 |
| Credit loss provision to net charge-offs | 318.7919% | 1,019 |
| Earnings coverage of net charge-offs (x) | 15.2685% | 1,329 |
| Efficiency ratio | 65.6552% | 5,094 |
| Assets per employee ($millions) | 3.8415% | 4,211 |
| Cash dividends to net income (ytd only)* | 22.2391% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 2,523 |
| Loan loss allowance to noncurrent loans | 82.1578% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0278% | 3,286 |
| Noncurrent loans to loans | 2.3827% | 3,107 |
| Net loans and leases to total assets | 69.1730% | 2,291 |
| Net loans and leases to deposits | 80.2569% | 2,672 |
| Net loans and leases to core deposits | 85.2787% | 2,994 |
| Total domestic deposits to total assets | 86.1894% | 3,409 |
| Equity capital to assets | 8.0355% | 6,461 |
| Core capital (leverage) ratio | 8.3813% | 5,662 |
| Tier 1 risk-based capital ratio | 10.7518% | 6,663 |
| Total risk-based capital ratio | 12.0091% | 6,645 |
| Memoranda: | ||
| Average total assets | $578,322,000 | 1,163 |
| Average earning assets | $523,127,000 | 1,171 |
| Average equity | $47,101,000 | 1,422 |
| Average total loans | $418,191,000 | 1,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,536 |
| Cost of funding earning assets | 1.3116% | 3,805 |
| Net interest margin | 4.1202% | 2,482 |
| Noninterest income to average assets | 0.8032% | 2,266 |
| Noninterest expense to average assets | 3.0625% | 3,618 |
| Loan and lease loss provision to assets | 0.3613% | 3,954 |
| Net operating income to assets | 0.7857% | 2,867 |
| Return on assets (ROA) | -0.5268% | 6,436 |
| Pretax return on assets | -0.9549% | 6,609 |
| Return on Equity (ROE) | -6.5157% | 6,528 |
| Retained earnings to average equity (ytd only) | -9.1026% | 6,598 |
| Net charge-offs to loans | 0.4126% | 3,976 |
| Credit loss provision to net charge-offs | 118.3986% | 3,592 |
| Earnings coverage of net charge-offs (x) | 4.7751% | 2,811 |
| Efficiency ratio | 67.7581% | 4,610 |
| Assets per employee ($millions) | 3.5296% | 4,871 |
| Cash dividends to net income (ytd only)* | -39.7039% | 7,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 2,574 |
| Loan loss allowance to noncurrent loans | 77.0086% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.2466% | 3,033 |
| Noncurrent loans to loans | 2.4637% | 3,059 |
| Net loans and leases to total assets | 72.7679% | 1,931 |
| Net loans and leases to deposits | 84.6471% | 2,347 |
| Net loans and leases to core deposits | 88.4106% | 2,997 |
| Total domestic deposits to total assets | 85.9662% | 3,372 |
| Equity capital to assets | 8.2600% | 6,195 |
| Core capital (leverage) ratio | 8.1847% | 5,853 |
| Tier 1 risk-based capital ratio | 10.5360% | 6,675 |
| Total risk-based capital ratio | 11.7922% | 6,646 |
| Memoranda: | ||
| Average total assets | $577,039,200 | 1,167 |
| Average earning assets | $520,515,000 | 1,179 |
| Average equity | $46,656,800 | 1,439 |
| Average total loans | $426,830,400 | 1,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4804% | 2,520 |
| Cost of funding earning assets | 1.3524% | 3,883 |
| Net interest margin | 4.1280% | 2,495 |
| Noninterest income to average assets | 0.7736% | 2,367 |
| Noninterest expense to average assets | 3.1804% | 2,998 |
| Loan and lease loss provision to assets | 0.2869% | 4,277 |
| Net operating income to assets | 0.9077% | 2,572 |
| Return on assets (ROA) | 0.4021% | 4,916 |
| Pretax return on assets | 0.4553% | 5,061 |
| Return on Equity (ROE) | 4.9986% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.4964% | 4,674 |
| Net charge-offs to loans | 0.4160% | 3,626 |
| Credit loss provision to net charge-offs | 93.2836% | 4,650 |
| Earnings coverage of net charge-offs (x) | 4.2821% | 3,122 |
| Efficiency ratio | 70.7200% | 3,933 |
| Assets per employee ($millions) | 3.7710% | 4,339 |
| Cash dividends to net income (ytd only)* | 50.0569% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,898 |
| Loan loss allowance to noncurrent loans | 77.1546% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0894% | 3,351 |
| Noncurrent loans to loans | 2.2935% | 3,343 |
| Net loans and leases to total assets | 69.7287% | 2,803 |
| Net loans and leases to deposits | 84.6341% | 2,590 |
| Net loans and leases to core deposits | 88.5183% | 3,308 |
| Total domestic deposits to total assets | 82.3884% | 4,843 |
| Equity capital to assets | 8.1033% | 6,706 |
| Core capital (leverage) ratio | 9.4497% | 3,987 |
| Tier 1 risk-based capital ratio | 10.8752% | 6,489 |
| Total risk-based capital ratio | 12.1281% | 6,460 |
| Memoranda: | ||
| Average total assets | $580,996,750 | 1,163 |
| Average earning assets | $524,085,750 | 1,180 |
| Average equity | $46,732,000 | 1,447 |
| Average total loans | $429,468,500 | 1,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 2,433 |
| Cost of funding earning assets | 1.4004% | 3,874 |
| Net interest margin | 4.1218% | 2,460 |
| Noninterest income to average assets | 0.7541% | 2,368 |
| Noninterest expense to average assets | 3.3323% | 2,454 |
| Loan and lease loss provision to assets | 0.3038% | 3,967 |
| Net operating income to assets | 0.6976% | 3,417 |
| Return on assets (ROA) | 0.4774% | 4,581 |
| Pretax return on assets | 0.5694% | 4,672 |
| Return on Equity (ROE) | 5.9504% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.4447% | 3,918 |
| Net charge-offs to loans | 0.4291% | 3,277 |
| Credit loss provision to net charge-offs | 94.4924% | 4,283 |
| Earnings coverage of net charge-offs (x) | 3.5313% | 3,288 |
| Efficiency ratio | 74.5881% | 3,352 |
| Assets per employee ($millions) | 3.5511% | 4,795 |
| Cash dividends to net income (ytd only)* | 42.1091% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 2,874 |
| Loan loss allowance to noncurrent loans | 81.4266% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.0781% | 3,408 |
| Noncurrent loans to loans | 2.1567% | 3,520 |
| Net loans and leases to total assets | 72.7078% | 2,229 |
| Net loans and leases to deposits | 87.5096% | 2,257 |
| Net loans and leases to core deposits | 91.2206% | 3,092 |
| Total domestic deposits to total assets | 83.0855% | 4,537 |
| Equity capital to assets | 8.1963% | 6,551 |
| Core capital (leverage) ratio | 9.4483% | 3,897 |
| Tier 1 risk-based capital ratio | 10.6388% | 6,576 |
| Total risk-based capital ratio | 11.8914% | 6,569 |
| Memoranda: | ||
| Average total assets | $576,056,330 | 1,182 |
| Average earning assets | $518,996,670 | 1,193 |
| Average equity | $46,215,670 | 1,455 |
| Average total loans | $431,644,670 | 1,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 2,421 |
| Cost of funding earning assets | 1.4510% | 3,873 |
| Net interest margin | 4.0869% | 2,496 |
| Noninterest income to average assets | 0.7281% | 2,414 |
| Noninterest expense to average assets | 3.4712% | 2,056 |
| Loan and lease loss provision to assets | 0.4002% | 2,974 |
| Net operating income to assets | 0.4731% | 4,522 |
| Return on assets (ROA) | 0.4253% | 4,870 |
| Pretax return on assets | 0.4914% | 4,985 |
| Return on Equity (ROE) | 5.3594% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.0876% | 4,286 |
| Net charge-offs to loans | 0.3665% | 2,948 |
| Credit loss provision to net charge-offs | 144.8363% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.4257% | 2,912 |
| Efficiency ratio | 78.5726% | 2,798 |
| Assets per employee ($millions) | 3.4927% | 5,047 |
| Cash dividends to net income (ytd only)* | 42.3895% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,781 |
| Loan loss allowance to noncurrent loans | 68.2755% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.2907% | 3,161 |
| Noncurrent loans to loans | 2.6135% | 3,054 |
| Net loans and leases to total assets | 71.8626% | 2,490 |
| Net loans and leases to deposits | 87.6961% | 2,282 |
| Net loans and leases to core deposits | 91.5861% | 3,159 |
| Total domestic deposits to total assets | 81.9450% | 5,093 |
| Equity capital to assets | 7.7386% | 6,896 |
| Core capital (leverage) ratio | 9.3224% | 4,011 |
| Tier 1 risk-based capital ratio | 10.2257% | 6,869 |
| Total risk-based capital ratio | 11.4781% | 6,858 |
| Memoranda: | ||
| Average total assets | $574,666,500 | 1,212 |
| Average earning assets | $518,825,000 | 1,222 |
| Average equity | $45,602,000 | 1,478 |
| Average total loans | $433,276,000 | 1,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 1,911 |
| Cost of funding earning assets | 2.0211% | 2,860 |
| Net interest margin | 3.9696% | 2,987 |
| Noninterest income to average assets | 0.8330% | 2,256 |
| Noninterest expense to average assets | 3.4335% | 2,575 |
| Loan and lease loss provision to assets | 0.8958% | 2,510 |
| Net operating income to assets | 0.1524% | 5,045 |
| Return on assets (ROA) | -0.2210% | 5,856 |
| Pretax return on assets | -0.4930% | 6,004 |
| Return on Equity (ROE) | -2.6480% | 5,942 |
| Retained earnings to average equity (ytd only) | -5.7062% | 6,112 |
| Net charge-offs to loans | 0.5151% | 3,718 |
| Credit loss provision to net charge-offs | 227.3751% | 1,636 |
| Earnings coverage of net charge-offs (x) | 2.5034% | 3,871 |
| Efficiency ratio | 77.6850% | 3,245 |
| Assets per employee ($millions) | 3.0031% | 6,216 |
| Cash dividends to net income (ytd only)* | -115.4896% | 7,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,698 |
| Loan loss allowance to noncurrent loans | 55.0356% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.7416% | 2,549 |
| Noncurrent loans to loans | 3.1848% | 2,398 |
| Net loans and leases to total assets | 76.4138% | 1,707 |
| Net loans and leases to deposits | 92.0272% | 1,895 |
| Net loans and leases to core deposits | 106.2718% | 3,304 |
| Total domestic deposits to total assets | 83.0339% | 4,506 |
| Equity capital to assets | 8.1457% | 6,413 |
| Core capital (leverage) ratio | 9.7372% | 3,403 |
| Tier 1 risk-based capital ratio | 10.1087% | 6,784 |
| Total risk-based capital ratio | 11.3606% | 6,746 |
| Memoranda: | ||
| Average total assets | $563,736,000 | 1,232 |
| Average earning assets | $509,376,600 | 1,235 |
| Average equity | $47,054,400 | 1,429 |
| Average total loans | $431,205,400 | 1,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 1,842 |
| Cost of funding earning assets | 2.1498% | 2,648 |
| Net interest margin | 3.9001% | 3,237 |
| Noninterest income to average assets | 0.8599% | 2,147 |
| Noninterest expense to average assets | 3.4635% | 2,379 |
| Loan and lease loss provision to assets | 0.9073% | 2,116 |
| Net operating income to assets | 0.0997% | 5,462 |
| Return on assets (ROA) | -0.3163% | 6,234 |
| Pretax return on assets | -0.6346% | 6,433 |
| Return on Equity (ROE) | -3.7666% | 6,317 |
| Retained earnings to average equity (ytd only) | -6.8484% | 6,493 |
| Net charge-offs to loans | 0.5785% | 2,941 |
| Credit loss provision to net charge-offs | 205.8824% | 2,156 |
| Earnings coverage of net charge-offs (x) | 2.0936% | 4,254 |
| Efficiency ratio | 78.9652% | 2,999 |
| Assets per employee ($millions) | 3.0570% | 6,018 |
| Cash dividends to net income (ytd only)* | -81.8179% | 7,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,123 |
| Loan loss allowance to noncurrent loans | 75.5363% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8154% | 3,630 |
| Noncurrent loans to loans | 2.0770% | 3,530 |
| Net loans and leases to total assets | 74.6048% | 2,339 |
| Net loans and leases to deposits | 87.8483% | 2,990 |
| Net loans and leases to core deposits | 100.5424% | 4,317 |
| Total domestic deposits to total assets | 84.9246% | 3,277 |
| Equity capital to assets | 8.4407% | 6,329 |
| Core capital (leverage) ratio | 9.5111% | 3,893 |
| Tier 1 risk-based capital ratio | 9.9909% | 6,992 |
| Total risk-based capital ratio | 11.2199% | 6,965 |
| Memoranda: | ||
| Average total assets | $565,775,250 | 1,235 |
| Average earning assets | $511,534,250 | 1,245 |
| Average equity | $47,504,000 | 1,442 |
| Average total loans | $430,978,500 | 1,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1232% | 1,719 |
| Cost of funding earning assets | 2.2341% | 2,648 |
| Net interest margin | 3.8891% | 3,159 |
| Noninterest income to average assets | 0.9292% | 1,846 |
| Noninterest expense to average assets | 3.2397% | 3,193 |
| Loan and lease loss provision to assets | 0.2563% | 4,526 |
| Net operating income to assets | 0.7399% | 3,092 |
| Return on assets (ROA) | 0.6500% | 3,573 |
| Pretax return on assets | 0.8363% | 3,551 |
| Return on Equity (ROE) | 7.7551% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.5502% | 2,763 |
| Net charge-offs to loans | 0.1177% | 4,984 |
| Credit loss provision to net charge-offs | 285.4331% | 1,638 |
| Earnings coverage of net charge-offs (x) | 13.4528% | 1,740 |
| Efficiency ratio | 72.8443% | 4,240 |
| Assets per employee ($millions) | 2.8430% | 6,530 |
| Cash dividends to net income (ytd only)* | 41.3268% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,818 |
| Loan loss allowance to noncurrent loans | 68.8308% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 3,860 |
| Noncurrent loans to loans | 1.7722% | 3,847 |
| Net loans and leases to total assets | 75.8027% | 2,226 |
| Net loans and leases to deposits | 93.0619% | 2,259 |
| Net loans and leases to core deposits | 109.2678% | 3,467 |
| Total domestic deposits to total assets | 81.4541% | 4,912 |
| Equity capital to assets | 8.7360% | 5,703 |
| Core capital (leverage) ratio | 10.3524% | 2,947 |
| Tier 1 risk-based capital ratio | 10.6471% | 6,233 |
| Total risk-based capital ratio | 11.6014% | 6,472 |
| Memoranda: | ||
| Average total assets | $565,852,670 | 1,257 |
| Average earning assets | $511,887,670 | 1,261 |
| Average equity | $47,426,670 | 1,453 |
| Average total loans | $431,755,670 | 1,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 1,628 |
| Cost of funding earning assets | 2.3282% | 2,586 |
| Net interest margin | 3.8626% | 3,204 |
| Noninterest income to average assets | 1.0116% | 1,451 |
| Noninterest expense to average assets | 3.1906% | 3,032 |
| Loan and lease loss provision to assets | 0.2982% | 3,565 |
| Net operating income to assets | 0.7908% | 3,166 |
| Return on assets (ROA) | 0.6125% | 4,158 |
| Pretax return on assets | 0.7892% | 4,112 |
| Return on Equity (ROE) | 7.4615% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.8461% | 3,750 |
| Net charge-offs to loans | 0.0664% | 4,544 |
| Credit loss provision to net charge-offs | 590.2778% | 964 |
| Earnings coverage of net charge-offs (x) | 26.0556% | 1,191 |
| Efficiency ratio | 70.7970% | 4,417 |
| Assets per employee ($millions) | 2.9277% | 6,349 |
| Cash dividends to net income (ytd only)* | 48.4536% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 4,839 |
| Loan loss allowance to noncurrent loans | 67.2648% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 3,595 |
| Noncurrent loans to loans | 1.7772% | 3,599 |
| Net loans and leases to total assets | 74.5714% | 2,606 |
| Net loans and leases to deposits | 90.7815% | 2,813 |
| Net loans and leases to core deposits | 107.4650% | 3,747 |
| Total domestic deposits to total assets | 82.1438% | 4,493 |
| Equity capital to assets | 7.9709% | 6,855 |
| Core capital (leverage) ratio | 10.0111% | 3,399 |
| Tier 1 risk-based capital ratio | 10.5604% | 6,330 |
| Total risk-based capital ratio | 11.5011% | 6,572 |
| Memoranda: | ||
| Average total assets | $570,167,000 | 1,249 |
| Average earning assets | $515,928,000 | 1,255 |
| Average equity | $46,800,500 | 1,475 |
| Average total loans | $433,830,000 | 1,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4526% | 3,180 |
| Cost of funding earning assets | 2.7551% | 2,903 |
| Net interest margin | 3.6975% | 4,482 |
| Noninterest income to average assets | 0.7670% | 2,685 |
| Noninterest expense to average assets | 3.0343% | 3,953 |
| Loan and lease loss provision to assets | 0.1612% | 5,317 |
| Net operating income to assets | 0.7251% | 3,780 |
| Return on assets (ROA) | 0.6717% | 3,858 |
| Pretax return on assets | 0.8805% | 3,798 |
| Return on Equity (ROE) | 7.4765% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.5520% | 3,610 |
| Net charge-offs to loans | 0.2406% | 3,851 |
| Credit loss provision to net charge-offs | 92.2473% | 5,626 |
| Earnings coverage of net charge-offs (x) | 6.3641% | 3,372 |
| Efficiency ratio | 73.1803% | 3,713 |
| Assets per employee ($millions) | 2.9351% | 6,207 |
| Cash dividends to net income (ytd only)* | 65.8667% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 5,453 |
| Loan loss allowance to noncurrent loans | 115.8165% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 4,420 |
| Noncurrent loans to loans | 0.9286% | 4,757 |
| Net loans and leases to total assets | 75.8671% | 2,661 |
| Net loans and leases to deposits | 100.7235% | 1,749 |
| Net loans and leases to core deposits | 121.5522% | 2,550 |
| Total domestic deposits to total assets | 75.3221% | 6,383 |
| Equity capital to assets | 8.4413% | 6,184 |
| Core capital (leverage) ratio | 9.9153% | 3,532 |
| Tier 1 risk-based capital ratio | 12.5148% | 4,425 |
| Total risk-based capital ratio | 13.5601% | 4,463 |
| Memoranda: | ||
| Average total assets | $583,160,600 | 1,150 |
| Average earning assets | $532,982,600 | 1,157 |
| Average equity | $52,390,800 | 1,284 |
| Average total loans | $423,611,200 | 1,130 |