Home > The First National Bank and Trust Co., Chickasha, Oklahoma > Performance and Condition Ratios
The First National Bank and Trust Co., Chickasha, Oklahoma, 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 | 4.8407% | 2,396 |
| Cost of funding earning assets | 1.4778% | 1,996 |
| Net interest margin | 3.3629% | 2,483 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.0313% | 3,550 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.7932% | 620 |
| Return on assets (ROA) | 1.6856% | 724 |
| Pretax return on assets | 1.6856% | 1,091 |
| Return on Equity (ROE) | 17.9200% | 827 |
| Retained earnings to average equity (ytd only) | 7.3574% | 1,772 |
| Net charge-offs to loans | -0.0262% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.7345% | 3,858 |
| Assets per employee ($millions) | 6.3460% | 2,518 |
| Cash dividends to net income (ytd only)* | 58.9329% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 980 |
| Loan loss allowance to noncurrent loans | 81.5957% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 529 |
| Noncurrent loans to loans | 1.8747% | 312 |
| Net loans and leases to total assets | 49.5600% | 3,622 |
| Net loans and leases to deposits | 57.5161% | 3,646 |
| Net loans and leases to core deposits | 65.8321% | 3,505 |
| Total domestic deposits to total assets | 86.1600% | 1,960 |
| Equity capital to assets | 10.6325% | 1,660 |
| Core capital (leverage) ratio | 11.5113% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $998,488,200 | 988 |
| Average earning assets | $928,687,600 | 974 |
| Average equity | $93,946,600 | 996 |
| Average total loans | $503,047,600 | 1,229 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 2,424 |
| Cost of funding earning assets | 1.3664% | 1,958 |
| Net interest margin | 3.3587% | 2,550 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.0418% | 3,489 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.7937% | 680 |
| Return on assets (ROA) | 1.7651% | 696 |
| Pretax return on assets | 1.7651% | 1,053 |
| Return on Equity (ROE) | 19.3900% | 783 |
| Retained earnings to average equity (ytd only) | 9.9789% | 1,407 |
| Net charge-offs to loans | 0.0021% | 2,483 |
| Credit loss provision to net charge-offs | 362.5000% | 770 |
| Earnings coverage of net charge-offs (x) | 1,781.3750% | 81 |
| Efficiency ratio | 51.7733% | 3,772 |
| Assets per employee ($millions) | 6.4197% | 2,383 |
| Cash dividends to net income (ytd only)* | 48.5332% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,098 |
| Loan loss allowance to noncurrent loans | 79.2070% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 555 |
| Noncurrent loans to loans | 1.9010% | 333 |
| Net loans and leases to total assets | 49.8300% | 3,626 |
| Net loans and leases to deposits | 57.3780% | 3,641 |
| Net loans and leases to core deposits | 63.8957% | 3,529 |
| Total domestic deposits to total assets | 86.8400% | 1,937 |
| Equity capital to assets | 8.1791% | 2,941 |
| Core capital (leverage) ratio | 11.7206% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $999,028,500 | 988 |
| Average earning assets | $929,498,750 | 971 |
| Average equity | $90,949,750 | 1,020 |
| Average total loans | $503,458,500 | 1,220 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 2,362 |
| Cost of funding earning assets | 1.2245% | 1,916 |
| Net interest margin | 3.4005% | 2,509 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.0625% | 3,437 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.8747% | 585 |
| Return on assets (ROA) | 1.8534% | 607 |
| Pretax return on assets | 1.8534% | 931 |
| Return on Equity (ROE) | 19.7000% | 742 |
| Retained earnings to average equity (ytd only) | 11.5679% | 1,066 |
| Net charge-offs to loans | -0.0028% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.9237% | 3,777 |
| Assets per employee ($millions) | 6.3688% | 2,416 |
| Cash dividends to net income (ytd only)* | 41.2809% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,030 |
| Loan loss allowance to noncurrent loans | 71.4992% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 399 |
| Noncurrent loans to loans | 2.1704% | 237 |
| Net loans and leases to total assets | 49.2900% | 3,597 |
| Net loans and leases to deposits | 56.3104% | 3,626 |
| Net loans and leases to core deposits | 61.5868% | 3,552 |
| Total domestic deposits to total assets | 87.5200% | 1,777 |
| Equity capital to assets | 9.7075% | 2,026 |
| Core capital (leverage) ratio | 11.6023% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,002,491,333 | 974 |
| Average earning assets | $933,093,667 | 959 |
| Average equity | $94,312,333 | 982 |
| Average total loans | $504,556,667 | 1,203 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,308 |
| Cost of funding earning assets | 1.0571% | 1,870 |
| Net interest margin | 3.4459% | 2,512 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.0825% | 3,422 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.8849% | 590 |
| Return on assets (ROA) | 1.9007% | 565 |
| Pretax return on assets | 1.9007% | 908 |
| Return on Equity (ROE) | 20.5200% | 706 |
| Retained earnings to average equity (ytd only) | 20.5229% | 348 |
| Net charge-offs to loans | -0.0063% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.8383% | 3,793 |
| Assets per employee ($millions) | 6.2891% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,197 |
| Loan loss allowance to noncurrent loans | 64.1684% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 295 |
| Noncurrent loans to loans | 2.3691% | 207 |
| Net loans and leases to total assets | 49.0600% | 3,561 |
| Net loans and leases to deposits | 56.1137% | 3,566 |
| Net loans and leases to core deposits | 60.2575% | 3,529 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 9.8096% | 1,926 |
| Core capital (leverage) ratio | 11.3380% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,010,152,500 | 977 |
| Average earning assets | $941,072,500 | 965 |
| Average equity | $93,554,000 | 1,001 |
| Average total loans | $509,736,000 | 1,210 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 1,394 |
| Cost of funding earning assets | 0.4239% | 1,914 |
| Net interest margin | 3.7099% | 1,357 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 1.9697% | 3,664 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.0340% | 281 |
| Return on assets (ROA) | 2.0430% | 262 |
| Pretax return on assets | 2.0430% | 431 |
| Return on Equity (ROE) | 20.6200% | 417 |
| Retained earnings to average equity (ytd only) | 11.3095% | 824 |
| Net charge-offs to loans | 0.5111% | 140 |
| Credit loss provision to net charge-offs | 80.9033% | 1,675 |
| Earnings coverage of net charge-offs (x) | 8.6327% | 2,259 |
| Efficiency ratio | 46.7418% | 4,309 |
| Assets per employee ($millions) | 6.2596% | 2,543 |
| Cash dividends to net income (ytd only)* | 45.1475% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,010 |
| Loan loss allowance to noncurrent loans | 118.8757% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 851 |
| Noncurrent loans to loans | 1.0744% | 671 |
| Net loans and leases to total assets | 50.4500% | 3,473 |
| Net loans and leases to deposits | 58.3046% | 3,436 |
| Net loans and leases to core deposits | 63.2638% | 3,311 |
| Total domestic deposits to total assets | 86.5300% | 2,562 |
| Equity capital to assets | 8.7174% | 2,551 |
| Core capital (leverage) ratio | 10.9585% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $970,859,800 | 1,005 |
| Average earning assets | $905,739,000 | 993 |
| Average equity | $96,202,400 | 972 |
| Average total loans | $493,878,400 | 1,190 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 1,149 |
| Cost of funding earning assets | 0.2069% | 2,825 |
| Net interest margin | 3.6734% | 958 |
| Noninterest income to average assets | 0.7731% | 1,119 |
| Noninterest expense to average assets | 1.9907% | 3,450 |
| Loan and lease loss provision to assets | 0.1535% | 615 |
| Net operating income to assets | 2.0525% | 205 |
| Return on assets (ROA) | 2.0525% | 209 |
| Pretax return on assets | 2.0525% | 337 |
| Return on Equity (ROE) | 18.5849% | 413 |
| Retained earnings to average equity (ytd only) | 10.0960% | 988 |
| Net charge-offs to loans | 0.4318% | 164 |
| Credit loss provision to net charge-offs | 70.1923% | 1,428 |
| Earnings coverage of net charge-offs (x) | 10.0865% | 1,766 |
| Efficiency ratio | 47.4344% | 4,373 |
| Assets per employee ($millions) | 6.3624% | 2,427 |
| Cash dividends to net income (ytd only)* | 45.6762% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,862 |
| Loan loss allowance to noncurrent loans | 237.2816% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 1,820 |
| Noncurrent loans to loans | 0.5792% | 1,458 |
| Net loans and leases to total assets | 49.4169% | 3,429 |
| Net loans and leases to deposits | 58.0845% | 3,219 |
| Net loans and leases to core deposits | 60.1701% | 3,263 |
| Total domestic deposits to total assets | 85.0776% | 3,469 |
| Equity capital to assets | 9.3005% | 2,157 |
| Core capital (leverage) ratio | 10.9382% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $951,030,000 | 1,032 |
| Average earning assets | $886,384,000 | 1,026 |
| Average equity | $105,031,333 | 934 |
| Average total loans | $481,698,667 | 1,203 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 1,127 |
| Cost of funding earning assets | 0.1728% | 3,188 |
| Net interest margin | 3.6067% | 884 |
| Noninterest income to average assets | 0.7996% | 1,047 |
| Noninterest expense to average assets | 2.0299% | 3,352 |
| Loan and lease loss provision to assets | 0.1080% | 775 |
| Net operating income to assets | 2.0247% | 212 |
| Return on assets (ROA) | 2.0247% | 210 |
| Pretax return on assets | 2.0247% | 331 |
| Return on Equity (ROE) | 16.9222% | 432 |
| Retained earnings to average equity (ytd only) | 16.9222% | 185 |
| Net charge-offs to loans | 0.0740% | 621 |
| Credit loss provision to net charge-offs | 286.3636% | 680 |
| Earnings coverage of net charge-offs (x) | 56.5568% | 875 |
| Efficiency ratio | 48.7647% | 4,364 |
| Assets per employee ($millions) | 6.0287% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,498 |
| Loan loss allowance to noncurrent loans | 156.2702% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 1,237 |
| Noncurrent loans to loans | 0.9724% | 934 |
| Net loans and leases to total assets | 49.1206% | 3,264 |
| Net loans and leases to deposits | 57.4413% | 3,128 |
| Net loans and leases to core deposits | 58.8879% | 3,246 |
| Total domestic deposits to total assets | 85.5144% | 3,410 |
| Equity capital to assets | 11.1857% | 1,245 |
| Core capital (leverage) ratio | 11.4702% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $933,461,000 | 1,053 |
| Average earning assets | $870,387,500 | 1,046 |
| Average equity | $111,687,500 | 919 |
| Average total loans | $475,485,500 | 1,205 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 1,292 |
| Cost of funding earning assets | 0.1945% | 3,529 |
| Net interest margin | 3.8352% | 945 |
| Noninterest income to average assets | 0.8932% | 1,222 |
| Noninterest expense to average assets | 2.1872% | 3,129 |
| Loan and lease loss provision to assets | 0.1882% | 593 |
| Net operating income to assets | 1.6948% | 636 |
| Return on assets (ROA) | 1.7009% | 653 |
| Pretax return on assets | 2.0744% | 526 |
| Return on Equity (ROE) | 13.4919% | 1,310 |
| Retained earnings to average equity (ytd only) | 3.3876% | 3,465 |
| Net charge-offs to loans | 0.2033% | 469 |
| Credit loss provision to net charge-offs | 168.3987% | 1,414 |
| Earnings coverage of net charge-offs (x) | 20.1824% | 1,860 |
| Efficiency ratio | 49.2345% | 4,341 |
| Assets per employee ($millions) | 5.7491% | 3,011 |
| Cash dividends to net income (ytd only)* | 74.8920% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,547 |
| Loan loss allowance to noncurrent loans | 98.8997% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 728 |
| Noncurrent loans to loans | 1.5184% | 594 |
| Net loans and leases to total assets | 51.2742% | 3,142 |
| Net loans and leases to deposits | 61.3821% | 2,944 |
| Net loans and leases to core deposits | 62.9765% | 3,074 |
| Total domestic deposits to total assets | 83.5328% | 3,681 |
| Equity capital to assets | 12.7872% | 964 |
| Core capital (leverage) ratio | 12.1028% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $843,919,200 | 1,098 |
| Average earning assets | $780,977,800 | 1,112 |
| Average equity | $106,389,400 | 960 |
| Average total loans | $463,837,400 | 1,231 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 1,252 |
| Cost of funding earning assets | 0.2017% | 3,587 |
| Net interest margin | 3.9221% | 898 |
| Noninterest income to average assets | 0.8615% | 1,343 |
| Noninterest expense to average assets | 2.2021% | 3,063 |
| Loan and lease loss provision to assets | 0.1267% | 921 |
| Net operating income to assets | 1.7249% | 784 |
| Return on assets (ROA) | 1.7329% | 802 |
| Pretax return on assets | 2.1655% | 587 |
| Return on Equity (ROE) | 13.8001% | 1,451 |
| Retained earnings to average equity (ytd only) | 13.8001% | 530 |
| Net charge-offs to loans | 0.2545% | 320 |
| Credit loss provision to net charge-offs | 89.3303% | 1,666 |
| Earnings coverage of net charge-offs (x) | 16.0840% | 1,846 |
| Efficiency ratio | 49.1057% | 4,287 |
| Assets per employee ($millions) | 5.3722% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,181 |
| Loan loss allowance to noncurrent loans | 87.7154% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 818 |
| Noncurrent loans to loans | 1.5498% | 674 |
| Net loans and leases to total assets | 54.0457% | 2,966 |
| Net loans and leases to deposits | 64.5482% | 2,787 |
| Net loans and leases to core deposits | 66.2909% | 2,926 |
| Total domestic deposits to total assets | 83.7292% | 3,529 |
| Equity capital to assets | 12.7808% | 1,061 |
| Core capital (leverage) ratio | 11.6319% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $827,808,000 | 1,131 |
| Average earning assets | $764,632,000 | 1,141 |
| Average equity | $103,948,250 | 997 |
| Average total loans | $461,582,500 | 1,256 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 1,484 |
| Cost of funding earning assets | 0.2086% | 3,667 |
| Net interest margin | 3.8251% | 1,102 |
| Noninterest income to average assets | 0.8500% | 1,391 |
| Noninterest expense to average assets | 2.1611% | 3,207 |
| Loan and lease loss provision to assets | 0.0955% | 1,315 |
| Net operating income to assets | 1.6977% | 875 |
| Return on assets (ROA) | 1.7099% | 909 |
| Pretax return on assets | 2.1365% | 642 |
| Return on Equity (ROE) | 13.7015% | 1,505 |
| Retained earnings to average equity (ytd only) | 13.7015% | 598 |
| Net charge-offs to loans | -0.0453% | 4,328 |
| Credit loss provision to net charge-offs | -375.9615% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3641% | 4,281 |
| Assets per employee ($millions) | 5.3617% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,597 |
| Loan loss allowance to noncurrent loans | 79.7042% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 729 |
| Noncurrent loans to loans | 1.8798% | 534 |
| Net loans and leases to total assets | 53.6044% | 3,181 |
| Net loans and leases to deposits | 63.3012% | 3,074 |
| Net loans and leases to core deposits | 66.0486% | 3,107 |
| Total domestic deposits to total assets | 84.6816% | 3,226 |
| Equity capital to assets | 12.4958% | 1,134 |
| Core capital (leverage) ratio | 11.2795% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $819,019,000 | 1,130 |
| Average earning assets | $755,383,667 | 1,145 |
| Average equity | $102,207,667 | 1,007 |
| Average total loans | $459,441,000 | 1,266 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 1,642 |
| Cost of funding earning assets | 0.2234% | 3,696 |
| Net interest margin | 3.7580% | 1,225 |
| Noninterest income to average assets | 0.8805% | 1,380 |
| Noninterest expense to average assets | 2.2272% | 3,018 |
| Loan and lease loss provision to assets | 0.1949% | 627 |
| Net operating income to assets | 1.5403% | 1,237 |
| Return on assets (ROA) | 1.5650% | 1,253 |
| Pretax return on assets | 1.9534% | 1,025 |
| Return on Equity (ROE) | 12.5500% | 1,817 |
| Retained earnings to average equity (ytd only) | 12.5500% | 1,017 |
| Net charge-offs to loans | -0.0341% | 4,231 |
| Credit loss provision to net charge-offs | -1,002.5641% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2623% | 4,067 |
| Assets per employee ($millions) | 5.0720% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,635 |
| Loan loss allowance to noncurrent loans | 92.8032% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 923 |
| Noncurrent loans to loans | 1.6073% | 761 |
| Net loans and leases to total assets | 55.0072% | 3,142 |
| Net loans and leases to deposits | 64.7943% | 3,049 |
| Net loans and leases to core deposits | 67.6142% | 3,091 |
| Total domestic deposits to total assets | 84.8951% | 3,146 |
| Equity capital to assets | 12.2222% | 1,191 |
| Core capital (leverage) ratio | 11.4967% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $802,276,500 | 1,137 |
| Average earning assets | $739,537,000 | 1,155 |
| Average equity | $100,048,000 | 1,015 |
| Average total loans | $457,196,000 | 1,272 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,291 |
| Cost of funding earning assets | 0.3733% | 3,749 |
| Net interest margin | 4.1356% | 733 |
| Noninterest income to average assets | 0.8996% | 1,271 |
| Noninterest expense to average assets | 2.2825% | 3,456 |
| Loan and lease loss provision to assets | 0.3702% | 889 |
| Net operating income to assets | 1.6714% | 537 |
| Return on assets (ROA) | 1.6745% | 572 |
| Pretax return on assets | 2.0436% | 416 |
| Return on Equity (ROE) | 13.3607% | 948 |
| Retained earnings to average equity (ytd only) | 9.5740% | 665 |
| Net charge-offs to loans | 0.1599% | 1,019 |
| Credit loss provision to net charge-offs | 397.9592% | 1,439 |
| Earnings coverage of net charge-offs (x) | 25.9082% | 1,735 |
| Efficiency ratio | 48.6419% | 4,602 |
| Assets per employee ($millions) | 4.7719% | 3,637 |
| Cash dividends to net income (ytd only)* | 28.3424% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,864 |
| Loan loss allowance to noncurrent loans | 78.2545% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 797 |
| Noncurrent loans to loans | 1.8222% | 678 |
| Net loans and leases to total assets | 57.3767% | 3,152 |
| Net loans and leases to deposits | 69.6434% | 2,920 |
| Net loans and leases to core deposits | 72.9861% | 3,000 |
| Total domestic deposits to total assets | 82.3864% | 3,570 |
| Equity capital to assets | 12.7344% | 1,210 |
| Core capital (leverage) ratio | 11.5060% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $737,479,000 | 1,123 |
| Average earning assets | $676,377,000 | 1,139 |
| Average equity | $92,427,600 | 1,033 |
| Average total loans | $428,993,600 | 1,275 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,387 |
| Cost of funding earning assets | 0.4029% | 3,794 |
| Net interest margin | 4.1698% | 779 |
| Noninterest income to average assets | 0.9211% | 1,168 |
| Noninterest expense to average assets | 2.3107% | 3,397 |
| Loan and lease loss provision to assets | 0.3354% | 1,152 |
| Net operating income to assets | 1.6564% | 638 |
| Return on assets (ROA) | 1.6588% | 704 |
| Pretax return on assets | 2.0986% | 417 |
| Return on Equity (ROE) | 13.2931% | 1,034 |
| Retained earnings to average equity (ytd only) | 11.0898% | 557 |
| Net charge-offs to loans | 0.1469% | 999 |
| Credit loss provision to net charge-offs | 392.7039% | 1,482 |
| Earnings coverage of net charge-offs (x) | 28.4592% | 1,634 |
| Efficiency ratio | 48.7320% | 4,567 |
| Assets per employee ($millions) | 4.8481% | 3,432 |
| Cash dividends to net income (ytd only)* | 16.5746% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,161 |
| Loan loss allowance to noncurrent loans | 98.1979% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 1,396 |
| Noncurrent loans to loans | 1.3223% | 1,116 |
| Net loans and leases to total assets | 54.8858% | 3,721 |
| Net loans and leases to deposits | 68.7758% | 3,410 |
| Net loans and leases to core deposits | 72.2955% | 3,450 |
| Total domestic deposits to total assets | 79.8039% | 3,903 |
| Equity capital to assets | 12.0361% | 1,652 |
| Core capital (leverage) ratio | 11.7531% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,393,500 | 1,121 |
| Average earning assets | $666,453,000 | 1,132 |
| Average equity | $90,771,750 | 1,038 |
| Average total loans | $423,056,000 | 1,283 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 1,149 |
| Cost of funding earning assets | 0.4485% | 3,799 |
| Net interest margin | 4.3614% | 659 |
| Noninterest income to average assets | 0.9516% | 1,068 |
| Noninterest expense to average assets | 2.3961% | 3,270 |
| Loan and lease loss provision to assets | 0.3498% | 1,209 |
| Net operating income to assets | 1.7285% | 590 |
| Return on assets (ROA) | 1.7323% | 636 |
| Pretax return on assets | 2.1902% | 369 |
| Return on Equity (ROE) | 13.6976% | 940 |
| Retained earnings to average equity (ytd only) | 10.3244% | 730 |
| Net charge-offs to loans | 0.1491% | 968 |
| Credit loss provision to net charge-offs | 396.7742% | 1,415 |
| Earnings coverage of net charge-offs (x) | 28.7548% | 1,465 |
| Efficiency ratio | 48.5899% | 4,586 |
| Assets per employee ($millions) | 4.5180% | 3,765 |
| Cash dividends to net income (ytd only)* | 24.6265% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,535 |
| Loan loss allowance to noncurrent loans | 144.1471% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,000 |
| Noncurrent loans to loans | 0.8302% | 1,837 |
| Net loans and leases to total assets | 57.3133% | 3,576 |
| Net loans and leases to deposits | 70.4242% | 3,388 |
| Net loans and leases to core deposits | 74.6809% | 3,403 |
| Total domestic deposits to total assets | 81.3829% | 3,529 |
| Equity capital to assets | 12.0009% | 1,657 |
| Core capital (leverage) ratio | 11.7266% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,214,000 | 1,136 |
| Average earning assets | $641,669,000 | 1,155 |
| Average equity | $88,935,333 | 1,046 |
| Average total loans | $415,799,667 | 1,287 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 1,174 |
| Cost of funding earning assets | 0.5201% | 3,846 |
| Net interest margin | 4.3886% | 640 |
| Noninterest income to average assets | 1.1569% | 652 |
| Noninterest expense to average assets | 2.5785% | 3,049 |
| Loan and lease loss provision to assets | 0.3363% | 915 |
| Net operating income to assets | 1.7577% | 445 |
| Return on assets (ROA) | 1.7657% | 488 |
| Pretax return on assets | 2.2320% | 275 |
| Return on Equity (ROE) | 13.5646% | 782 |
| Retained earnings to average equity (ytd only) | 13.5646% | 281 |
| Net charge-offs to loans | 0.0589% | 1,421 |
| Credit loss provision to net charge-offs | 955.9322% | 599 |
| Earnings coverage of net charge-offs (x) | 72.7119% | 708 |
| Efficiency ratio | 50.1974% | 4,657 |
| Assets per employee ($millions) | 4.0284% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,573 |
| Loan loss allowance to noncurrent loans | 128.8860% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,910 |
| Noncurrent loans to loans | 0.9447% | 1,743 |
| Net loans and leases to total assets | 58.9427% | 3,600 |
| Net loans and leases to deposits | 70.5052% | 3,552 |
| Net loans and leases to core deposits | 76.8891% | 3,438 |
| Total domestic deposits to total assets | 83.6005% | 2,918 |
| Equity capital to assets | 12.9264% | 1,469 |
| Core capital (leverage) ratio | 12.3023% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,787,000 | 1,157 |
| Average earning assets | $608,301,500 | 1,170 |
| Average equity | $87,315,500 | 1,056 |
| Average total loans | $400,931,000 | 1,293 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 1,152 |
| Cost of funding earning assets | 0.5165% | 4,010 |
| Net interest margin | 4.6132% | 557 |
| Noninterest income to average assets | 1.1249% | 747 |
| Noninterest expense to average assets | 2.5900% | 3,207 |
| Loan and lease loss provision to assets | 0.3322% | 476 |
| Net operating income to assets | 1.9335% | 406 |
| Return on assets (ROA) | 1.9267% | 426 |
| Pretax return on assets | 2.3930% | 252 |
| Return on Equity (ROE) | 14.6393% | 764 |
| Retained earnings to average equity (ytd only) | 5.4314% | 2,204 |
| Net charge-offs to loans | 0.5679% | 324 |
| Credit loss provision to net charge-offs | 97.1920% | 2,551 |
| Earnings coverage of net charge-offs (x) | 7.9977% | 2,816 |
| Efficiency ratio | 48.6523% | 4,800 |
| Assets per employee ($millions) | 3.9338% | 3,992 |
| Cash dividends to net income (ytd only)* | 62.8987% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 2,903 |
| Loan loss allowance to noncurrent loans | 112.9834% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 1,444 |
| Noncurrent loans to loans | 0.9811% | 1,555 |
| Net loans and leases to total assets | 59.2094% | 3,654 |
| Net loans and leases to deposits | 70.9192% | 3,598 |
| Net loans and leases to core deposits | 76.9554% | 3,515 |
| Total domestic deposits to total assets | 83.4885% | 3,025 |
| Equity capital to assets | 13.1090% | 1,454 |
| Core capital (leverage) ratio | 12.0116% | 1,769 |
| Tier 1 risk-based capital ratio | 16.8422% | 2,107 |
| Total risk-based capital ratio | 17.8370% | 2,128 |
| Memoranda: | ||
| Average total assets | $646,017,600 | 1,156 |
| Average earning assets | $587,960,800 | 1,182 |
| Average equity | $85,024,600 | 1,034 |
| Average total loans | $388,801,400 | 1,298 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 1,108 |
| Cost of funding earning assets | 0.5168% | 4,079 |
| Net interest margin | 4.6529% | 547 |
| Noninterest income to average assets | 1.1798% | 660 |
| Noninterest expense to average assets | 2.5925% | 3,184 |
| Loan and lease loss provision to assets | 0.3805% | 343 |
| Net operating income to assets | 1.9139% | 477 |
| Return on assets (ROA) | 1.9160% | 495 |
| Pretax return on assets | 2.4457% | 279 |
| Return on Equity (ROE) | 14.5428% | 877 |
| Retained earnings to average equity (ytd only) | 10.8677% | 554 |
| Net charge-offs to loans | 0.6510% | 247 |
| Credit loss provision to net charge-offs | 96.9793% | 2,320 |
| Earnings coverage of net charge-offs (x) | 7.1971% | 2,765 |
| Efficiency ratio | 47.8676% | 4,860 |
| Assets per employee ($millions) | 3.9475% | 3,968 |
| Cash dividends to net income (ytd only)* | 25.2713% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,845 |
| Loan loss allowance to noncurrent loans | 205.6331% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 2,417 |
| Noncurrent loans to loans | 0.5525% | 2,641 |
| Net loans and leases to total assets | 58.3011% | 3,846 |
| Net loans and leases to deposits | 68.5810% | 3,879 |
| Net loans and leases to core deposits | 74.2357% | 3,816 |
| Total domestic deposits to total assets | 85.0106% | 2,419 |
| Equity capital to assets | 13.5377% | 1,342 |
| Core capital (leverage) ratio | 12.4281% | 1,614 |
| Tier 1 risk-based capital ratio | 17.8210% | 1,870 |
| Total risk-based capital ratio | 18.8472% | 1,885 |
| Memoranda: | ||
| Average total assets | $641,319,500 | 1,163 |
| Average earning assets | $583,876,500 | 1,186 |
| Average equity | $84,493,250 | 1,032 |
| Average total loans | $386,491,250 | 1,310 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 1,008 |
| Cost of funding earning assets | 0.5109% | 4,069 |
| Net interest margin | 4.6730% | 523 |
| Noninterest income to average assets | 1.1757% | 623 |
| Noninterest expense to average assets | 2.6225% | 3,140 |
| Loan and lease loss provision to assets | 0.5018% | 232 |
| Net operating income to assets | 1.8027% | 591 |
| Return on assets (ROA) | 1.8059% | 606 |
| Pretax return on assets | 2.3052% | 360 |
| Return on Equity (ROE) | 13.8392% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.2210% | 1,306 |
| Net charge-offs to loans | 0.8317% | 168 |
| Credit loss provision to net charge-offs | 99.3766% | 2,014 |
| Earnings coverage of net charge-offs (x) | 5.5511% | 2,643 |
| Efficiency ratio | 48.3377% | 4,881 |
| Assets per employee ($millions) | 3.8646% | 4,044 |
| Cash dividends to net income (ytd only)* | 40.5961% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,825 |
| Loan loss allowance to noncurrent loans | 134.7826% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,309 |
| Noncurrent loans to loans | 0.8485% | 1,906 |
| Net loans and leases to total assets | 59.7890% | 3,755 |
| Net loans and leases to deposits | 70.0261% | 3,839 |
| Net loans and leases to core deposits | 76.0890% | 3,719 |
| Total domestic deposits to total assets | 85.3810% | 2,314 |
| Equity capital to assets | 13.1819% | 1,501 |
| Core capital (leverage) ratio | 12.0751% | 1,778 |
| Tier 1 risk-based capital ratio | 17.1650% | 2,039 |
| Total risk-based capital ratio | 18.2097% | 2,041 |
| Memoranda: | ||
| Average total assets | $635,349,000 | 1,170 |
| Average earning assets | $577,784,000 | 1,191 |
| Average equity | $82,909,330 | 1,047 |
| Average total loans | $385,736,330 | 1,318 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 969 |
| Cost of funding earning assets | 0.4999% | 4,059 |
| Net interest margin | 4.6652% | 533 |
| Noninterest income to average assets | 0.8072% | 1,284 |
| Noninterest expense to average assets | 2.6037% | 3,208 |
| Loan and lease loss provision to assets | 0.0463% | 2,721 |
| Net operating income to assets | 1.8738% | 484 |
| Return on assets (ROA) | 1.8803% | 491 |
| Pretax return on assets | 2.4000% | 299 |
| Return on Equity (ROE) | 14.4843% | 860 |
| Retained earnings to average equity (ytd only) | 14.4843% | 314 |
| Net charge-offs to loans | 0.0271% | 1,912 |
| Credit loss provision to net charge-offs | 280.7692% | 865 |
| Earnings coverage of net charge-offs (x) | 147.7692% | 508 |
| Efficiency ratio | 51.6425% | 4,721 |
| Assets per employee ($millions) | 3.8668% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,844 |
| Loan loss allowance to noncurrent loans | 104.7013% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,900 |
| Noncurrent loans to loans | 1.0994% | 1,514 |
| Net loans and leases to total assets | 61.2236% | 3,577 |
| Net loans and leases to deposits | 71.4914% | 3,646 |
| Net loans and leases to core deposits | 77.0555% | 3,591 |
| Total domestic deposits to total assets | 85.6378% | 2,426 |
| Equity capital to assets | 13.2746% | 1,305 |
| Core capital (leverage) ratio | 12.1976% | 1,667 |
| Tier 1 risk-based capital ratio | 17.0517% | 2,092 |
| Total risk-based capital ratio | 18.1059% | 2,103 |
| Memoranda: | ||
| Average total assets | $630,327,000 | 1,177 |
| Average earning assets | $572,154,000 | 1,202 |
| Average equity | $81,826,500 | 1,051 |
| Average total loans | $383,435,500 | 1,331 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 1,183 |
| Cost of funding earning assets | 0.3888% | 4,054 |
| Net interest margin | 4.5512% | 691 |
| Noninterest income to average assets | 1.0538% | 850 |
| Noninterest expense to average assets | 2.6658% | 3,136 |
| Loan and lease loss provision to assets | 0.2992% | 539 |
| Net operating income to assets | 1.7832% | 573 |
| Return on assets (ROA) | 1.7989% | 544 |
| Pretax return on assets | 2.2313% | 331 |
| Return on Equity (ROE) | 14.2352% | 995 |
| Retained earnings to average equity (ytd only) | 10.1616% | 593 |
| Net charge-offs to loans | 0.5407% | 331 |
| Credit loss provision to net charge-offs | 96.2093% | 2,623 |
| Earnings coverage of net charge-offs (x) | 8.0737% | 2,928 |
| Efficiency ratio | 51.4932% | 4,841 |
| Assets per employee ($millions) | 3.8188% | 4,149 |
| Cash dividends to net income (ytd only)* | 28.6163% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,590 |
| Loan loss allowance to noncurrent loans | 89.9477% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 1,614 |
| Noncurrent loans to loans | 1.3296% | 1,179 |
| Net loans and leases to total assets | 59.0189% | 3,870 |
| Net loans and leases to deposits | 71.5989% | 3,704 |
| Net loans and leases to core deposits | 75.1883% | 3,775 |
| Total domestic deposits to total assets | 82.4299% | 3,512 |
| Equity capital to assets | 12.7009% | 1,483 |
| Core capital (leverage) ratio | 11.7555% | 1,911 |
| Tier 1 risk-based capital ratio | 16.9667% | 2,080 |
| Total risk-based capital ratio | 18.0490% | 2,077 |
| Memoranda: | ||
| Average total assets | $602,194,000 | 1,199 |
| Average earning assets | $545,548,400 | 1,222 |
| Average equity | $76,100,000 | 1,076 |
| Average total loans | $346,383,600 | 1,417 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 1,283 |
| Cost of funding earning assets | 0.3425% | 4,234 |
| Net interest margin | 4.5155% | 718 |
| Noninterest income to average assets | 1.0283% | 904 |
| Noninterest expense to average assets | 2.6839% | 3,020 |
| Loan and lease loss provision to assets | 0.3100% | 465 |
| Net operating income to assets | 1.6672% | 805 |
| Return on assets (ROA) | 1.6872% | 771 |
| Pretax return on assets | 2.1517% | 430 |
| Return on Equity (ROE) | 13.3686% | 1,309 |
| Retained earnings to average equity (ytd only) | 10.7105% | 721 |
| Net charge-offs to loans | 0.3453% | 482 |
| Credit loss provision to net charge-offs | 157.6792% | 1,642 |
| Earnings coverage of net charge-offs (x) | 12.3936% | 2,454 |
| Efficiency ratio | 52.4176% | 4,766 |
| Assets per employee ($millions) | 3.8310% | 4,135 |
| Cash dividends to net income (ytd only)* | 19.8833% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,724 |
| Loan loss allowance to noncurrent loans | 85.5981% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 1,435 |
| Noncurrent loans to loans | 1.6285% | 969 |
| Net loans and leases to total assets | 57.9383% | 4,049 |
| Net loans and leases to deposits | 70.2404% | 3,899 |
| Net loans and leases to core deposits | 73.5853% | 3,974 |
| Total domestic deposits to total assets | 82.4856% | 3,464 |
| Equity capital to assets | 12.5585% | 1,546 |
| Core capital (leverage) ratio | 12.0733% | 1,743 |
| Tier 1 risk-based capital ratio | 16.6852% | 2,212 |
| Total risk-based capital ratio | 17.9121% | 2,165 |
| Memoranda: | ||
| Average total assets | $596,171,000 | 1,207 |
| Average earning assets | $540,260,750 | 1,239 |
| Average equity | $75,239,000 | 1,084 |
| Average total loans | $339,454,250 | 1,441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,207 |
| Cost of funding earning assets | 0.3216% | 4,262 |
| Net interest margin | 4.4947% | 708 |
| Noninterest income to average assets | 1.0742% | 834 |
| Noninterest expense to average assets | 2.7097% | 2,983 |
| Loan and lease loss provision to assets | 0.3007% | 464 |
| Net operating income to assets | 1.6792% | 752 |
| Return on assets (ROA) | 1.7081% | 711 |
| Pretax return on assets | 2.1792% | 407 |
| Return on Equity (ROE) | 13.5117% | 1,206 |
| Retained earnings to average equity (ytd only) | 9.4847% | 1,076 |
| Net charge-offs to loans | 0.4828% | 318 |
| Credit loss provision to net charge-offs | 110.6117% | 1,888 |
| Earnings coverage of net charge-offs (x) | 8.9875% | 2,428 |
| Efficiency ratio | 52.5851% | 4,825 |
| Assets per employee ($millions) | 3.5656% | 4,508 |
| Cash dividends to net income (ytd only)* | 29.8033% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,671 |
| Loan loss allowance to noncurrent loans | 71.0232% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.3670% | 1,019 |
| Noncurrent loans to loans | 2.0030% | 746 |
| Net loans and leases to total assets | 54.2051% | 4,323 |
| Net loans and leases to deposits | 64.4001% | 4,260 |
| Net loans and leases to core deposits | 66.1903% | 4,360 |
| Total domestic deposits to total assets | 84.1693% | 3,001 |
| Equity capital to assets | 12.7850% | 1,403 |
| Core capital (leverage) ratio | 11.8175% | 1,827 |
| Tier 1 risk-based capital ratio | 17.7277% | 1,881 |
| Total risk-based capital ratio | 18.9638% | 1,842 |
| Memoranda: | ||
| Average total assets | $589,297,670 | 1,225 |
| Average earning assets | $534,758,000 | 1,250 |
| Average equity | $74,498,670 | 1,096 |
| Average total loans | $331,802,330 | 1,473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 1,105 |
| Cost of funding earning assets | 0.3096% | 4,269 |
| Net interest margin | 4.4791% | 647 |
| Noninterest income to average assets | 1.0456% | 834 |
| Noninterest expense to average assets | 2.7095% | 3,013 |
| Loan and lease loss provision to assets | 0.4422% | 242 |
| Net operating income to assets | 1.5347% | 996 |
| Return on assets (ROA) | 1.5809% | 904 |
| Pretax return on assets | 2.0170% | 553 |
| Return on Equity (ROE) | 12.5771% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.5771% | 583 |
| Net charge-offs to loans | 0.9123% | 153 |
| Credit loss provision to net charge-offs | 85.0785% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.6191% | 2,283 |
| Efficiency ratio | 53.0218% | 4,879 |
| Assets per employee ($millions) | 3.7649% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 2,048 |
| Loan loss allowance to noncurrent loans | 66.5215% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 1,035 |
| Noncurrent loans to loans | 2.0166% | 784 |
| Net loans and leases to total assets | 54.7817% | 4,217 |
| Net loans and leases to deposits | 63.5926% | 4,234 |
| Net loans and leases to core deposits | 66.0817% | 4,298 |
| Total domestic deposits to total assets | 86.1448% | 2,479 |
| Equity capital to assets | 12.5196% | 1,476 |
| Core capital (leverage) ratio | 11.6272% | 1,910 |
| Tier 1 risk-based capital ratio | 17.3984% | 2,005 |
| Total risk-based capital ratio | 18.5769% | 1,975 |
| Memoranda: | ||
| Average total assets | $588,005,000 | 1,236 |
| Average earning assets | $533,592,000 | 1,255 |
| Average equity | $73,912,000 | 1,111 |
| Average total loans | $334,973,000 | 1,468 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 993 |
| Cost of funding earning assets | 0.2599% | 4,481 |
| Net interest margin | 4.5299% | 573 |
| Noninterest income to average assets | 0.9718% | 1,085 |
| Noninterest expense to average assets | 2.6553% | 3,271 |
| Loan and lease loss provision to assets | 0.2287% | 855 |
| Net operating income to assets | 1.5422% | 736 |
| Return on assets (ROA) | 1.5437% | 747 |
| Pretax return on assets | 2.2243% | 306 |
| Return on Equity (ROE) | 12.0942% | 1,181 |
| Retained earnings to average equity (ytd only) | 8.5484% | 603 |
| Net charge-offs to loans | 0.8915% | 220 |
| Credit loss provision to net charge-offs | 42.8717% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.5950% | 3,444 |
| Efficiency ratio | 52.0033% | 5,102 |
| Assets per employee ($millions) | 3.6782% | 4,466 |
| Cash dividends to net income (ytd only)* | 29.3186% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,036 |
| Loan loss allowance to noncurrent loans | 50.3379% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 790 |
| Noncurrent loans to loans | 2.6578% | 479 |
| Net loans and leases to total assets | 57.6609% | 4,039 |
| Net loans and leases to deposits | 68.1783% | 4,014 |
| Net loans and leases to core deposits | 71.2639% | 4,099 |
| Total domestic deposits to total assets | 84.5737% | 3,005 |
| Equity capital to assets | 12.6215% | 1,446 |
| Core capital (leverage) ratio | 11.5606% | 1,901 |
| Tier 1 risk-based capital ratio | 16.6401% | 2,214 |
| Total risk-based capital ratio | 17.8340% | 2,180 |
| Memoranda: | ||
| Average total assets | $552,364,600 | 1,280 |
| Average earning assets | $504,113,800 | 1,289 |
| Average equity | $70,504,600 | 1,128 |
| Average total loans | $330,437,000 | 1,448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 941 |
| Cost of funding earning assets | 0.2518% | 4,549 |
| Net interest margin | 4.5382% | 551 |
| Noninterest income to average assets | 0.9719% | 1,088 |
| Noninterest expense to average assets | 2.6702% | 3,164 |
| Loan and lease loss provision to assets | 0.2101% | 898 |
| Net operating income to assets | 1.5463% | 809 |
| Return on assets (ROA) | 1.5479% | 825 |
| Pretax return on assets | 2.2415% | 326 |
| Return on Equity (ROE) | 12.0907% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.2251% | 784 |
| Net charge-offs to loans | 0.4429% | 471 |
| Credit loss provision to net charge-offs | 78.8073% | 2,604 |
| Earnings coverage of net charge-offs (x) | 9.1881% | 2,717 |
| Efficiency ratio | 52.1569% | 5,084 |
| Assets per employee ($millions) | 3.5761% | 4,613 |
| Cash dividends to net income (ytd only)* | 23.7004% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 826 |
| Loan loss allowance to noncurrent loans | 120.7167% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,918 |
| Noncurrent loans to loans | 1.5056% | 1,241 |
| Net loans and leases to total assets | 57.6927% | 4,094 |
| Net loans and leases to deposits | 67.3471% | 4,158 |
| Net loans and leases to core deposits | 70.6674% | 4,205 |
| Total domestic deposits to total assets | 85.6646% | 2,450 |
| Equity capital to assets | 12.9190% | 1,434 |
| Core capital (leverage) ratio | 11.7036% | 1,879 |
| Tier 1 risk-based capital ratio | 17.2855% | 2,068 |
| Total risk-based capital ratio | 18.5406% | 2,022 |
| Memoranda: | ||
| Average total assets | $545,168,000 | 1,302 |
| Average earning assets | $498,244,250 | 1,312 |
| Average equity | $69,793,250 | 1,149 |
| Average total loans | $328,136,000 | 1,465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 923 |
| Cost of funding earning assets | 0.2396% | 4,644 |
| Net interest margin | 4.5286% | 534 |
| Noninterest income to average assets | 0.9353% | 1,168 |
| Noninterest expense to average assets | 2.6828% | 3,150 |
| Loan and lease loss provision to assets | 0.1875% | 1,004 |
| Net operating income to assets | 1.5219% | 828 |
| Return on assets (ROA) | 1.5237% | 848 |
| Pretax return on assets | 2.2062% | 349 |
| Return on Equity (ROE) | 11.9397% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.5842% | 1,320 |
| Net charge-offs to loans | 0.2107% | 971 |
| Credit loss provision to net charge-offs | 146.6667% | 1,547 |
| Earnings coverage of net charge-offs (x) | 18.7043% | 1,867 |
| Efficiency ratio | 52.8737% | 5,104 |
| Assets per employee ($millions) | 3.5739% | 4,616 |
| Cash dividends to net income (ytd only)* | 36.4786% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 680 |
| Loan loss allowance to noncurrent loans | 104.3784% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 1,576 |
| Noncurrent loans to loans | 1.8511% | 952 |
| Net loans and leases to total assets | 58.5389% | 3,973 |
| Net loans and leases to deposits | 68.1692% | 4,055 |
| Net loans and leases to core deposits | 71.6520% | 4,116 |
| Total domestic deposits to total assets | 85.8729% | 2,429 |
| Equity capital to assets | 12.6607% | 1,539 |
| Core capital (leverage) ratio | 11.5049% | 1,969 |
| Tier 1 risk-based capital ratio | 16.6904% | 2,247 |
| Total risk-based capital ratio | 17.9467% | 2,201 |
| Memoranda: | ||
| Average total assets | $539,740,330 | 1,322 |
| Average earning assets | $493,267,330 | 1,338 |
| Average equity | $68,879,670 | 1,164 |
| Average total loans | $327,544,000 | 1,466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 924 |
| Cost of funding earning assets | 0.2230% | 4,775 |
| Net interest margin | 4.4865% | 534 |
| Noninterest income to average assets | 0.9365% | 1,151 |
| Noninterest expense to average assets | 2.7313% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5876% | 697 |
| Return on assets (ROA) | 1.5876% | 710 |
| Pretax return on assets | 2.2995% | 300 |
| Return on Equity (ROE) | 12.3893% | 1,141 |
| Retained earnings to average equity (ytd only) | 12.3893% | 437 |
| Net charge-offs to loans | 0.0957% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 39.2564% | 1,050 |
| Efficiency ratio | 54.2917% | 5,096 |
| Assets per employee ($millions) | 3.5639% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 805 |
| Loan loss allowance to noncurrent loans | 94.3107% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 1,458 |
| Noncurrent loans to loans | 1.9989% | 891 |
| Net loans and leases to total assets | 59.0870% | 3,876 |
| Net loans and leases to deposits | 69.8463% | 3,815 |
| Net loans and leases to core deposits | 73.8401% | 3,850 |
| Total domestic deposits to total assets | 84.5957% | 3,264 |
| Equity capital to assets | 12.8155% | 1,345 |
| Core capital (leverage) ratio | 11.7056% | 1,826 |
| Tier 1 risk-based capital ratio | 16.8172% | 2,242 |
| Total risk-based capital ratio | 18.0730% | 2,210 |
| Memoranda: | ||
| Average total assets | $532,635,500 | 1,339 |
| Average earning assets | $486,081,500 | 1,355 |
| Average equity | $68,252,500 | 1,173 |
| Average total loans | $325,983,500 | 1,479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 1,024 |
| Cost of funding earning assets | 0.1934% | 5,085 |
| Net interest margin | 4.5273% | 588 |
| Noninterest income to average assets | 1.0068% | 1,126 |
| Noninterest expense to average assets | 2.7891% | 3,062 |
| Loan and lease loss provision to assets | 0.1363% | 1,835 |
| Net operating income to assets | 1.5050% | 820 |
| Return on assets (ROA) | 1.5182% | 828 |
| Pretax return on assets | 2.2370% | 304 |
| Return on Equity (ROE) | 12.0223% | 1,237 |
| Retained earnings to average equity (ytd only) | 5.2959% | 2,134 |
| Net charge-offs to loans | 0.0284% | 3,456 |
| Credit loss provision to net charge-offs | 776.3441% | 471 |
| Earnings coverage of net charge-offs (x) | 134.0860% | 467 |
| Efficiency ratio | 54.2318% | 5,228 |
| Assets per employee ($millions) | 3.3561% | 4,967 |
| Cash dividends to net income (ytd only)* | 55.9493% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 787 |
| Loan loss allowance to noncurrent loans | 93.1071% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 1,350 |
| Noncurrent loans to loans | 2.0532% | 869 |
| Net loans and leases to total assets | 61.0263% | 3,725 |
| Net loans and leases to deposits | 74.5838% | 3,459 |
| Net loans and leases to core deposits | 78.4456% | 3,541 |
| Total domestic deposits to total assets | 81.8225% | 4,123 |
| Equity capital to assets | 12.8127% | 1,341 |
| Core capital (leverage) ratio | 11.5694% | 1,880 |
| Tier 1 risk-based capital ratio | 16.5848% | 2,314 |
| Total risk-based capital ratio | 17.8414% | 2,253 |
| Memoranda: | ||
| Average total assets | $529,773,600 | 1,302 |
| Average earning assets | $483,998,800 | 1,311 |
| Average equity | $66,900,400 | 1,170 |
| Average total loans | $327,834,000 | 1,420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 1,011 |
| Cost of funding earning assets | 0.1919% | 5,154 |
| Net interest margin | 4.5385% | 572 |
| Noninterest income to average assets | 1.0278% | 1,086 |
| Noninterest expense to average assets | 2.8165% | 2,947 |
| Loan and lease loss provision to assets | 0.1892% | 1,152 |
| Net operating income to assets | 1.5035% | 876 |
| Return on assets (ROA) | 1.5204% | 896 |
| Pretax return on assets | 2.1944% | 389 |
| Return on Equity (ROE) | 12.0836% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.0921% | 797 |
| Net charge-offs to loans | -0.0504% | 5,370 |
| Credit loss provision to net charge-offs | -608.0645% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4194% | 5,206 |
| Assets per employee ($millions) | 3.3579% | 4,968 |
| Cash dividends to net income (ytd only)* | 24.7566% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9877% | 739 |
| Loan loss allowance to noncurrent loans | 108.2219% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 1,701 |
| Noncurrent loans to loans | 1.8367% | 1,115 |
| Net loans and leases to total assets | 60.9601% | 3,748 |
| Net loans and leases to deposits | 74.1301% | 3,584 |
| Net loans and leases to core deposits | 78.4831% | 3,614 |
| Total domestic deposits to total assets | 82.2340% | 3,865 |
| Equity capital to assets | 13.2415% | 1,376 |
| Core capital (leverage) ratio | 11.5924% | 1,966 |
| Tier 1 risk-based capital ratio | 17.2275% | 2,155 |
| Total risk-based capital ratio | 18.4854% | 2,113 |
| Memoranda: | ||
| Average total assets | $531,327,500 | 1,304 |
| Average earning assets | $485,581,250 | 1,309 |
| Average equity | $66,855,000 | 1,183 |
| Average total loans | $328,358,750 | 1,423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 1,116 |
| Cost of funding earning assets | 0.1907% | 5,236 |
| Net interest margin | 4.4801% | 641 |
| Noninterest income to average assets | 1.0487% | 1,016 |
| Noninterest expense to average assets | 2.7200% | 3,313 |
| Loan and lease loss provision to assets | 0.2263% | 913 |
| Net operating income to assets | 1.5164% | 865 |
| Return on assets (ROA) | 1.5368% | 879 |
| Pretax return on assets | 2.2258% | 360 |
| Return on Equity (ROE) | 12.4268% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.8826% | 1,210 |
| Net charge-offs to loans | 0.0826% | 2,022 |
| Credit loss provision to net charge-offs | 444.1176% | 722 |
| Earnings coverage of net charge-offs (x) | 47.5441% | 1,025 |
| Efficiency ratio | 52.8923% | 5,393 |
| Assets per employee ($millions) | 3.4819% | 4,775 |
| Cash dividends to net income (ytd only)* | 36.5675% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,003 |
| Loan loss allowance to noncurrent loans | 129.7263% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 2,324 |
| Noncurrent loans to loans | 1.4195% | 1,565 |
| Net loans and leases to total assets | 59.9130% | 3,893 |
| Net loans and leases to deposits | 72.2363% | 3,762 |
| Net loans and leases to core deposits | 76.2321% | 3,799 |
| Total domestic deposits to total assets | 82.9403% | 3,679 |
| Equity capital to assets | 12.5274% | 1,752 |
| Core capital (leverage) ratio | 11.1533% | 2,281 |
| Tier 1 risk-based capital ratio | 16.5317% | 2,412 |
| Total risk-based capital ratio | 17.7880% | 2,358 |
| Memoranda: | ||
| Average total assets | $533,823,670 | 1,303 |
| Average earning assets | $487,798,330 | 1,308 |
| Average equity | $66,018,670 | 1,194 |
| Average total loans | $329,208,670 | 1,416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 998 |
| Cost of funding earning assets | 0.1939% | 5,257 |
| Net interest margin | 4.5304% | 575 |
| Noninterest income to average assets | 1.0910% | 910 |
| Noninterest expense to average assets | 2.7313% | 3,308 |
| Loan and lease loss provision to assets | 0.1914% | 1,033 |
| Net operating income to assets | 1.5915% | 713 |
| Return on assets (ROA) | 1.6222% | 714 |
| Pretax return on assets | 2.3493% | 300 |
| Return on Equity (ROE) | 13.2039% | 994 |
| Retained earnings to average equity (ytd only) | 13.2039% | 372 |
| Net charge-offs to loans | 0.0243% | 2,444 |
| Credit loss provision to net charge-offs | 1,270.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 165.6500% | 367 |
| Efficiency ratio | 52.2485% | 5,499 |
| Assets per employee ($millions) | 3.4081% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 1,240 |
| Loan loss allowance to noncurrent loans | 158.2203% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 2,907 |
| Noncurrent loans to loans | 1.1083% | 2,183 |
| Net loans and leases to total assets | 61.4598% | 3,601 |
| Net loans and leases to deposits | 74.0230% | 3,434 |
| Net loans and leases to core deposits | 77.0689% | 3,583 |
| Total domestic deposits to total assets | 83.0279% | 3,883 |
| Equity capital to assets | 12.4783% | 1,698 |
| Core capital (leverage) ratio | 11.0527% | 2,355 |
| Tier 1 risk-based capital ratio | 16.5359% | 2,466 |
| Total risk-based capital ratio | 17.7914% | 2,416 |
| Memoranda: | ||
| Average total assets | $530,886,000 | 1,310 |
| Average earning assets | $484,724,500 | 1,314 |
| Average equity | $65,223,000 | 1,197 |
| Average total loans | $329,105,000 | 1,407 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,190 |
| Cost of funding earning assets | 0.1645% | 5,576 |
| Net interest margin | 4.4975% | 658 |
| Noninterest income to average assets | 1.0715% | 1,024 |
| Noninterest expense to average assets | 2.7658% | 3,366 |
| Loan and lease loss provision to assets | 0.2408% | 796 |
| Net operating income to assets | 1.4941% | 876 |
| Return on assets (ROA) | 1.5019% | 896 |
| Pretax return on assets | 2.1575% | 380 |
| Return on Equity (ROE) | 12.4340% | 1,198 |
| Retained earnings to average equity (ytd only) | 8.6278% | 747 |
| Net charge-offs to loans | 0.0495% | 3,213 |
| Credit loss provision to net charge-offs | 789.1026% | 431 |
| Earnings coverage of net charge-offs (x) | 78.2179% | 715 |
| Efficiency ratio | 53.6733% | 5,538 |
| Assets per employee ($millions) | 3.2522% | 5,223 |
| Cash dividends to net income (ytd only)* | 30.6109% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 1,312 |
| Loan loss allowance to noncurrent loans | 154.8396% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 2,873 |
| Noncurrent loans to loans | 1.1105% | 2,118 |
| Net loans and leases to total assets | 60.3687% | 3,785 |
| Net loans and leases to deposits | 73.2836% | 3,579 |
| Net loans and leases to core deposits | 75.8620% | 3,770 |
| Total domestic deposits to total assets | 82.3769% | 4,061 |
| Equity capital to assets | 12.0925% | 1,887 |
| Core capital (leverage) ratio | 10.7852% | 2,617 |
| Tier 1 risk-based capital ratio | 16.1515% | 2,619 |
| Total risk-based capital ratio | 17.4067% | 2,576 |
| Memoranda: | ||
| Average total assets | $511,142,200 | 1,311 |
| Average earning assets | $463,859,000 | 1,333 |
| Average equity | $61,742,200 | 1,219 |
| Average total loans | $315,068,600 | 1,409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 1,175 |
| Cost of funding earning assets | 0.1650% | 5,666 |
| Net interest margin | 4.4972% | 657 |
| Noninterest income to average assets | 1.1037% | 987 |
| Noninterest expense to average assets | 2.7443% | 3,410 |
| Loan and lease loss provision to assets | 0.2385% | 743 |
| Net operating income to assets | 1.5141% | 900 |
| Return on assets (ROA) | 1.5244% | 922 |
| Pretax return on assets | 2.2124% | 398 |
| Return on Equity (ROE) | 12.6240% | 1,217 |
| Retained earnings to average equity (ytd only) | 9.6806% | 696 |
| Net charge-offs to loans | -0.0030% | 4,750 |
| Credit loss provision to net charge-offs | -12,942.8571% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9759% | 5,584 |
| Assets per employee ($millions) | 3.4162% | 4,954 |
| Cash dividends to net income (ytd only)* | 23.3161% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 1,448 |
| Loan loss allowance to noncurrent loans | 295.3286% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 4,327 |
| Noncurrent loans to loans | 0.5798% | 3,593 |
| Net loans and leases to total assets | 60.0975% | 3,873 |
| Net loans and leases to deposits | 71.9576% | 3,775 |
| Net loans and leases to core deposits | 74.3719% | 3,979 |
| Total domestic deposits to total assets | 83.5180% | 3,609 |
| Equity capital to assets | 12.2150% | 1,942 |
| Core capital (leverage) ratio | 10.8545% | 2,642 |
| Tier 1 risk-based capital ratio | 16.4716% | 2,591 |
| Total risk-based capital ratio | 17.7267% | 2,547 |
| Memoranda: | ||
| Average total assets | $506,401,750 | 1,329 |
| Average earning assets | $459,033,750 | 1,356 |
| Average equity | $61,152,000 | 1,240 |
| Average total loans | $312,431,750 | 1,422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,065 |
| Cost of funding earning assets | 0.1681% | 5,713 |
| Net interest margin | 4.5318% | 598 |
| Noninterest income to average assets | 1.1209% | 962 |
| Noninterest expense to average assets | 2.7555% | 3,393 |
| Loan and lease loss provision to assets | 0.3545% | 371 |
| Net operating income to assets | 1.4776% | 937 |
| Return on assets (ROA) | 1.4893% | 960 |
| Pretax return on assets | 2.1306% | 470 |
| Return on Equity (ROE) | 12.3821% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.9114% | 1,301 |
| Net charge-offs to loans | -0.0084% | 4,879 |
| Credit loss provision to net charge-offs | -6,846.1538% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7488% | 5,668 |
| Assets per employee ($millions) | 3.3533% | 5,065 |
| Cash dividends to net income (ytd only)* | 36.1059% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 1,481 |
| Loan loss allowance to noncurrent loans | 352.6316% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 4,622 |
| Noncurrent loans to loans | 0.4982% | 3,970 |
| Net loans and leases to total assets | 59.5469% | 3,897 |
| Net loans and leases to deposits | 68.8895% | 4,044 |
| Net loans and leases to core deposits | 71.3000% | 4,195 |
| Total domestic deposits to total assets | 86.4383% | 2,469 |
| Equity capital to assets | 11.9968% | 2,030 |
| Core capital (leverage) ratio | 10.4429% | 3,033 |
| Tier 1 risk-based capital ratio | 16.3426% | 2,692 |
| Total risk-based capital ratio | 17.5985% | 2,647 |
| Memoranda: | ||
| Average total assets | $502,117,000 | 1,352 |
| Average earning assets | $454,605,330 | 1,376 |
| Average equity | $60,393,670 | 1,269 |
| Average total loans | $310,743,330 | 1,429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,031 |
| Cost of funding earning assets | 0.1693% | 5,776 |
| Net interest margin | 4.5333% | 571 |
| Noninterest income to average assets | 1.1591% | 849 |
| Noninterest expense to average assets | 2.7757% | 3,327 |
| Loan and lease loss provision to assets | 0.4254% | 258 |
| Net operating income to assets | 1.4416% | 958 |
| Return on assets (ROA) | 1.4585% | 986 |
| Pretax return on assets | 2.0862% | 496 |
| Return on Equity (ROE) | 12.1099% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.1099% | 555 |
| Net charge-offs to loans | -0.3786% | 6,196 |
| Credit loss provision to net charge-offs | -179.6610% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7375% | 5,763 |
| Assets per employee ($millions) | 3.3497% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,708 |
| Loan loss allowance to noncurrent loans | 192.8958% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,813 |
| Noncurrent loans to loans | 0.8875% | 3,026 |
| Net loans and leases to total assets | 60.3137% | 3,606 |
| Net loans and leases to deposits | 69.5187% | 3,798 |
| Net loans and leases to core deposits | 71.8100% | 3,988 |
| Total domestic deposits to total assets | 86.7589% | 2,521 |
| Equity capital to assets | 11.9766% | 2,040 |
| Core capital (leverage) ratio | 10.5548% | 2,902 |
| Tier 1 risk-based capital ratio | 16.0346% | 2,903 |
| Total risk-based capital ratio | 17.2898% | 2,837 |
| Memoranda: | ||
| Average total assets | $498,328,500 | 1,361 |
| Average earning assets | $451,152,500 | 1,391 |
| Average equity | $60,017,000 | 1,276 |
| Average total loans | $311,648,000 | 1,431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 969 |
| Cost of funding earning assets | 0.1973% | 5,769 |
| Net interest margin | 4.6761% | 541 |
| Noninterest income to average assets | 1.1973% | 839 |
| Noninterest expense to average assets | 2.9101% | 3,119 |
| Loan and lease loss provision to assets | 0.9431% | 125 |
| Net operating income to assets | 1.2294% | 1,500 |
| Return on assets (ROA) | 1.2299% | 1,549 |
| Pretax return on assets | 1.5603% | 1,351 |
| Return on Equity (ROE) | 10.1002% | 2,072 |
| Retained earnings to average equity (ytd only) | 6.5846% | 1,606 |
| Net charge-offs to loans | 1.5121% | 160 |
| Credit loss provision to net charge-offs | 97.4132% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.5852% | 4,114 |
| Efficiency ratio | 53.7625% | 5,857 |
| Assets per employee ($millions) | 3.1656% | 5,480 |
| Cash dividends to net income (ytd only)* | 34.8068% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 2,671 |
| Loan loss allowance to noncurrent loans | 156.2155% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 3,725 |
| Noncurrent loans to loans | 0.9316% | 2,988 |
| Net loans and leases to total assets | 62.8373% | 3,389 |
| Net loans and leases to deposits | 72.6113% | 3,607 |
| Net loans and leases to core deposits | 74.8863% | 3,831 |
| Total domestic deposits to total assets | 86.5393% | 2,546 |
| Equity capital to assets | 12.1137% | 1,936 |
| Core capital (leverage) ratio | 10.6030% | 2,832 |
| Tier 1 risk-based capital ratio | 15.7644% | 3,090 |
| Total risk-based capital ratio | 17.0169% | 3,024 |
| Memoranda: | ||
| Average total assets | $467,206,400 | 1,426 |
| Average earning assets | $421,186,000 | 1,458 |
| Average equity | $56,890,200 | 1,289 |
| Average total loans | $299,122,800 | 1,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 940 |
| Cost of funding earning assets | 0.2049% | 5,781 |
| Net interest margin | 4.6906% | 513 |
| Noninterest income to average assets | 1.1829% | 857 |
| Noninterest expense to average assets | 2.9140% | 3,073 |
| Loan and lease loss provision to assets | 0.5614% | 251 |
| Net operating income to assets | 1.3551% | 1,241 |
| Return on assets (ROA) | 1.3557% | 1,288 |
| Pretax return on assets | 1.9353% | 654 |
| Return on Equity (ROE) | 11.1185% | 1,748 |
| Retained earnings to average equity (ytd only) | 7.5693% | 1,547 |
| Net charge-offs to loans | 0.9192% | 351 |
| Credit loss provision to net charge-offs | 95.2987% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.2365% | 3,505 |
| Efficiency ratio | 53.8638% | 5,837 |
| Assets per employee ($millions) | 3.1039% | 5,585 |
| Cash dividends to net income (ytd only)* | 31.9217% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 2,726 |
| Loan loss allowance to noncurrent loans | 81.4078% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 2,483 |
| Noncurrent loans to loans | 1.8393% | 1,740 |
| Net loans and leases to total assets | 63.3752% | 3,285 |
| Net loans and leases to deposits | 73.5998% | 3,484 |
| Net loans and leases to core deposits | 76.0493% | 3,735 |
| Total domestic deposits to total assets | 86.1078% | 2,799 |
| Equity capital to assets | 12.3644% | 1,794 |
| Core capital (leverage) ratio | 10.7370% | 2,779 |
| Tier 1 risk-based capital ratio | 16.0220% | 3,046 |
| Total risk-based capital ratio | 17.2751% | 2,999 |
| Memoranda: | ||
| Average total assets | $462,131,250 | 1,455 |
| Average earning assets | $416,455,000 | 1,483 |
| Average equity | $56,349,000 | 1,305 |
| Average total loans | $296,188,500 | 1,449 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 930 |
| Cost of funding earning assets | 0.2081% | 5,848 |
| Net interest margin | 4.6803% | 509 |
| Noninterest income to average assets | 1.1967% | 815 |
| Noninterest expense to average assets | 2.8903% | 3,199 |
| Loan and lease loss provision to assets | 0.7718% | 167 |
| Net operating income to assets | 1.2255% | 1,514 |
| Return on assets (ROA) | 1.2255% | 1,575 |
| Pretax return on assets | 1.7485% | 933 |
| Return on Equity (ROE) | 10.0992% | 2,109 |
| Retained earnings to average equity (ytd only) | 4.7120% | 3,146 |
| Net charge-offs to loans | 0.7728% | 490 |
| Credit loss provision to net charge-offs | 156.0352% | 1,419 |
| Earnings coverage of net charge-offs (x) | 5.0952% | 2,989 |
| Efficiency ratio | 53.4193% | 5,962 |
| Assets per employee ($millions) | 3.0828% | 5,619 |
| Cash dividends to net income (ytd only)* | 53.3428% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,986 |
| Loan loss allowance to noncurrent loans | 84.2702% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 2,289 |
| Noncurrent loans to loans | 2.0727% | 1,615 |
| Net loans and leases to total assets | 63.7684% | 3,106 |
| Net loans and leases to deposits | 73.8676% | 3,332 |
| Net loans and leases to core deposits | 76.6174% | 3,561 |
| Total domestic deposits to total assets | 86.3280% | 2,856 |
| Equity capital to assets | 12.1333% | 1,895 |
| Core capital (leverage) ratio | 10.5991% | 2,825 |
| Tier 1 risk-based capital ratio | 15.7902% | 3,198 |
| Total risk-based capital ratio | 17.0468% | 3,130 |
| Memoranda: | ||
| Average total assets | $458,912,000 | 1,462 |
| Average earning assets | $413,175,000 | 1,489 |
| Average equity | $55,687,330 | 1,304 |
| Average total loans | $293,737,330 | 1,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 895 |
| Cost of funding earning assets | 0.2067% | 5,946 |
| Net interest margin | 4.6762% | 489 |
| Noninterest income to average assets | 1.0395% | 1,039 |
| Noninterest expense to average assets | 2.9262% | 3,134 |
| Loan and lease loss provision to assets | 0.7515% | 163 |
| Net operating income to assets | 1.0965% | 1,831 |
| Return on assets (ROA) | 1.0965% | 1,895 |
| Pretax return on assets | 1.5733% | 1,226 |
| Return on Equity (ROE) | 9.0359% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.0359% | 1,238 |
| Net charge-offs to loans | 0.4020% | 906 |
| Credit loss provision to net charge-offs | 294.1581% | 809 |
| Earnings coverage of net charge-offs (x) | 9.0997% | 1,965 |
| Efficiency ratio | 55.7265% | 5,864 |
| Assets per employee ($millions) | 3.0246% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 2,000 |
| Loan loss allowance to noncurrent loans | 77.2518% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 2,289 |
| Noncurrent loans to loans | 2.3450% | 1,508 |
| Net loans and leases to total assets | 60.5791% | 3,463 |
| Net loans and leases to deposits | 70.0531% | 3,596 |
| Net loans and leases to core deposits | 72.8022% | 3,782 |
| Total domestic deposits to total assets | 86.4760% | 3,125 |
| Equity capital to assets | 12.0253% | 1,853 |
| Core capital (leverage) ratio | 10.5446% | 2,877 |
| Tier 1 risk-based capital ratio | 16.1616% | 3,078 |
| Total risk-based capital ratio | 17.3811% | 3,065 |
| Memoranda: | ||
| Average total assets | $455,615,500 | 1,476 |
| Average earning assets | $410,331,500 | 1,503 |
| Average equity | $55,290,500 | 1,305 |
| Average total loans | $289,545,000 | 1,481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 709 |
| Cost of funding earning assets | 0.2188% | 6,188 |
| Net interest margin | 4.9321% | 338 |
| Noninterest income to average assets | 1.1452% | 1,075 |
| Noninterest expense to average assets | 2.9966% | 3,068 |
| Loan and lease loss provision to assets | 0.8547% | 239 |
| Net operating income to assets | 1.3015% | 1,247 |
| Return on assets (ROA) | 1.3015% | 1,291 |
| Pretax return on assets | 1.8103% | 741 |
| Return on Equity (ROE) | 10.3052% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.4352% | 2,325 |
| Net charge-offs to loans | 0.9502% | 629 |
| Credit loss provision to net charge-offs | 133.5772% | 1,755 |
| Earnings coverage of net charge-offs (x) | 4.1650% | 3,651 |
| Efficiency ratio | 52.9288% | 6,216 |
| Assets per employee ($millions) | 2.9306% | 5,940 |
| Cash dividends to net income (ytd only)* | 47.2577% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 2,790 |
| Loan loss allowance to noncurrent loans | 66.7962% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6675% | 2,215 |
| Noncurrent loans to loans | 2.3818% | 1,610 |
| Net loans and leases to total assets | 64.4466% | 2,963 |
| Net loans and leases to deposits | 74.5918% | 3,178 |
| Net loans and leases to core deposits | 76.7731% | 3,520 |
| Total domestic deposits to total assets | 86.3990% | 3,040 |
| Equity capital to assets | 12.2504% | 1,650 |
| Core capital (leverage) ratio | 10.6741% | 2,697 |
| Tier 1 risk-based capital ratio | 15.6356% | 3,288 |
| Total risk-based capital ratio | 16.8899% | 3,241 |
| Memoranda: | ||
| Average total assets | $427,280,000 | 1,548 |
| Average earning assets | $391,271,000 | 1,544 |
| Average equity | $53,962,800 | 1,318 |
| Average total loans | $287,737,600 | 1,476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 715 |
| Cost of funding earning assets | 0.2203% | 6,290 |
| Net interest margin | 4.9278% | 354 |
| Noninterest income to average assets | 1.0667% | 1,286 |
| Noninterest expense to average assets | 2.9269% | 3,221 |
| Loan and lease loss provision to assets | 0.5715% | 441 |
| Net operating income to assets | 1.4638% | 960 |
| Return on assets (ROA) | 1.4638% | 1,011 |
| Pretax return on assets | 2.0974% | 471 |
| Return on Equity (ROE) | 11.4992% | 1,655 |
| Retained earnings to average equity (ytd only) | 7.4877% | 1,649 |
| Net charge-offs to loans | 0.1641% | 2,916 |
| Credit loss provision to net charge-offs | 513.3144% | 540 |
| Earnings coverage of net charge-offs (x) | 23.9719% | 1,445 |
| Efficiency ratio | 52.3053% | 6,237 |
| Assets per employee ($millions) | 2.9847% | 5,874 |
| Cash dividends to net income (ytd only)* | 34.8847% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,175 |
| Loan loss allowance to noncurrent loans | 52.5398% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.5855% | 1,467 |
| Noncurrent loans to loans | 3.5026% | 1,085 |
| Net loans and leases to total assets | 62.5734% | 3,243 |
| Net loans and leases to deposits | 72.4486% | 3,461 |
| Net loans and leases to core deposits | 74.6607% | 3,770 |
| Total domestic deposits to total assets | 86.3694% | 3,042 |
| Equity capital to assets | 12.3792% | 1,649 |
| Core capital (leverage) ratio | 11.0956% | 2,387 |
| Tier 1 risk-based capital ratio | 16.9830% | 2,710 |
| Total risk-based capital ratio | 18.2416% | 2,674 |
| Memoranda: | ||
| Average total assets | $422,738,750 | 1,571 |
| Average earning assets | $388,535,500 | 1,565 |
| Average equity | $53,811,250 | 1,330 |
| Average total loans | $286,743,250 | 1,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 646 |
| Cost of funding earning assets | 0.2224% | 6,355 |
| Net interest margin | 4.9689% | 328 |
| Noninterest income to average assets | 1.1037% | 1,243 |
| Noninterest expense to average assets | 2.7339% | 3,911 |
| Loan and lease loss provision to assets | 0.6042% | 420 |
| Net operating income to assets | 1.6349% | 700 |
| Return on assets (ROA) | 1.6349% | 764 |
| Pretax return on assets | 2.3376% | 332 |
| Return on Equity (ROE) | 12.7203% | 1,315 |
| Retained earnings to average equity (ytd only) | 6.6703% | 2,057 |
| Net charge-offs to loans | 0.2815% | 2,073 |
| Credit loss provision to net charge-offs | 309.8522% | 831 |
| Earnings coverage of net charge-offs (x) | 15.0862% | 1,769 |
| Efficiency ratio | 48.1679% | 6,525 |
| Assets per employee ($millions) | 2.9142% | 5,994 |
| Cash dividends to net income (ytd only)* | 47.5617% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 3,125 |
| Loan loss allowance to noncurrent loans | 108.6182% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 3,505 |
| Noncurrent loans to loans | 1.4808% | 3,086 |
| Net loans and leases to total assets | 66.6912% | 2,470 |
| Net loans and leases to deposits | 77.6700% | 2,608 |
| Net loans and leases to core deposits | 80.0992% | 3,011 |
| Total domestic deposits to total assets | 85.8649% | 3,442 |
| Equity capital to assets | 12.7733% | 1,428 |
| Core capital (leverage) ratio | 11.1707% | 2,197 |
| Tier 1 risk-based capital ratio | 16.8871% | 2,752 |
| Total risk-based capital ratio | 18.1432% | 2,725 |
| Memoranda: | ||
| Average total assets | $416,407,000 | 1,598 |
| Average earning assets | $383,145,670 | 1,585 |
| Average equity | $53,520,670 | 1,343 |
| Average total loans | $288,461,000 | 1,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2772% | 532 |
| Cost of funding earning assets | 0.2283% | 6,425 |
| Net interest margin | 5.0490% | 270 |
| Noninterest income to average assets | 1.0357% | 1,379 |
| Noninterest expense to average assets | 2.8873% | 3,390 |
| Loan and lease loss provision to assets | 0.2093% | 1,773 |
| Net operating income to assets | 1.7714% | 495 |
| Return on assets (ROA) | 1.8139% | 518 |
| Pretax return on assets | 2.6076% | 228 |
| Return on Equity (ROE) | 14.0689% | 952 |
| Retained earnings to average equity (ytd only) | 14.0689% | 441 |
| Net charge-offs to loans | 0.4159% | 1,411 |
| Credit loss provision to net charge-offs | 71.8543% | 2,265 |
| Earnings coverage of net charge-offs (x) | 9.4636% | 1,832 |
| Efficiency ratio | 51.1620% | 6,428 |
| Assets per employee ($millions) | 2.9389% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,963 |
| Loan loss allowance to noncurrent loans | 100.3863% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 3,726 |
| Noncurrent loans to loans | 1.2426% | 3,701 |
| Net loans and leases to total assets | 69.0134% | 1,839 |
| Net loans and leases to deposits | 80.9281% | 1,960 |
| Net loans and leases to core deposits | 83.4321% | 2,400 |
| Total domestic deposits to total assets | 85.2775% | 3,913 |
| Equity capital to assets | 13.0291% | 1,418 |
| Core capital (leverage) ratio | 11.2783% | 2,030 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,987 |
| Total risk-based capital ratio | 17.7799% | 2,942 |
| Memoranda: | ||
| Average total assets | $414,786,000 | 1,612 |
| Average earning assets | $378,531,500 | 1,615 |
| Average equity | $53,479,500 | 1,356 |
| Average total loans | $290,469,500 | 1,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 899 |
| Cost of funding earning assets | 0.2491% | 6,675 |
| Net interest margin | 5.0665% | 339 |
| Noninterest income to average assets | 1.0588% | 1,385 |
| Noninterest expense to average assets | 2.9984% | 3,280 |
| Loan and lease loss provision to assets | 0.2914% | 2,342 |
| Net operating income to assets | 1.6667% | 664 |
| Return on assets (ROA) | 1.6775% | 724 |
| Pretax return on assets | 2.4162% | 286 |
| Return on Equity (ROE) | 12.7425% | 1,300 |
| Retained earnings to average equity (ytd only) | 2.1476% | 4,723 |
| Net charge-offs to loans | 0.3226% | 3,036 |
| Credit loss provision to net charge-offs | 133.5982% | 2,096 |
| Earnings coverage of net charge-offs (x) | 12.3428% | 1,936 |
| Efficiency ratio | 52.6929% | 6,401 |
| Assets per employee ($millions) | 2.9658% | 6,067 |
| Cash dividends to net income (ytd only)* | 83.1464% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,704 |
| Loan loss allowance to noncurrent loans | 89.9493% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 3,679 |
| Noncurrent loans to loans | 1.4307% | 3,450 |
| Net loans and leases to total assets | 69.2710% | 1,983 |
| Net loans and leases to deposits | 79.7689% | 2,314 |
| Net loans and leases to core deposits | 81.8767% | 2,786 |
| Total domestic deposits to total assets | 86.8397% | 2,917 |
| Equity capital to assets | 12.7557% | 1,565 |
| Core capital (leverage) ratio | 10.9600% | 2,292 |
| Tier 1 risk-based capital ratio | 15.2508% | 3,581 |
| Total risk-based capital ratio | 16.5021% | 3,526 |
| Memoranda: | ||
| Average total assets | $403,943,200 | 1,626 |
| Average earning assets | $369,267,200 | 1,621 |
| Average equity | $53,176,200 | 1,338 |
| Average total loans | $273,119,200 | 1,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 1,047 |
| Cost of funding earning assets | 0.2539% | 6,792 |
| Net interest margin | 5.0258% | 383 |
| Noninterest income to average assets | 1.0789% | 1,293 |
| Noninterest expense to average assets | 2.9780% | 3,311 |
| Loan and lease loss provision to assets | 0.3241% | 2,025 |
| Net operating income to assets | 1.6579% | 754 |
| Return on assets (ROA) | 1.6725% | 813 |
| Pretax return on assets | 2.4021% | 345 |
| Return on Equity (ROE) | 12.6044% | 1,435 |
| Retained earnings to average equity (ytd only) | 9.3389% | 1,114 |
| Net charge-offs to loans | 0.3855% | 2,550 |
| Credit loss provision to net charge-offs | 125.5784% | 2,293 |
| Earnings coverage of net charge-offs (x) | 10.4807% | 2,184 |
| Efficiency ratio | 52.3993% | 6,419 |
| Assets per employee ($millions) | 2.9984% | 6,057 |
| Cash dividends to net income (ytd only)* | 25.9075% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,788 |
| Loan loss allowance to noncurrent loans | 89.2005% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 3,922 |
| Noncurrent loans to loans | 1.4638% | 3,598 |
| Net loans and leases to total assets | 67.2114% | 2,422 |
| Net loans and leases to deposits | 79.3179% | 2,499 |
| Net loans and leases to core deposits | 81.3521% | 3,041 |
| Total domestic deposits to total assets | 84.7367% | 3,866 |
| Equity capital to assets | 13.5886% | 1,316 |
| Core capital (leverage) ratio | 11.7570% | 1,805 |
| Tier 1 risk-based capital ratio | 16.6883% | 2,905 |
| Total risk-based capital ratio | 17.9397% | 2,863 |
| Memoranda: | ||
| Average total assets | $401,867,500 | 1,642 |
| Average earning assets | $368,171,500 | 1,641 |
| Average equity | $53,324,000 | 1,346 |
| Average total loans | $269,076,500 | 1,551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 1,130 |
| Cost of funding earning assets | 0.2628% | 6,873 |
| Net interest margin | 4.9941% | 406 |
| Noninterest income to average assets | 1.0978% | 1,189 |
| Noninterest expense to average assets | 3.0553% | 3,067 |
| Loan and lease loss provision to assets | 0.3986% | 1,647 |
| Net operating income to assets | 1.5489% | 911 |
| Return on assets (ROA) | 1.5489% | 1,018 |
| Pretax return on assets | 2.2246% | 472 |
| Return on Equity (ROE) | 11.7694% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.8063% | 2,211 |
| Net charge-offs to loans | 0.4455% | 2,269 |
| Credit loss provision to net charge-offs | 134.4013% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.8449% | 2,239 |
| Efficiency ratio | 53.8048% | 6,333 |
| Assets per employee ($millions) | 2.8209% | 6,371 |
| Cash dividends to net income (ytd only)* | 42.1698% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,694 |
| Loan loss allowance to noncurrent loans | 76.8628% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 3,705 |
| Noncurrent loans to loans | 1.7467% | 3,278 |
| Net loans and leases to total assets | 66.6125% | 2,548 |
| Net loans and leases to deposits | 77.2396% | 2,796 |
| Net loans and leases to core deposits | 79.4089% | 3,303 |
| Total domestic deposits to total assets | 86.2413% | 3,226 |
| Equity capital to assets | 13.3146% | 1,388 |
| Core capital (leverage) ratio | 11.2171% | 2,111 |
| Tier 1 risk-based capital ratio | 16.5058% | 2,911 |
| Total risk-based capital ratio | 17.7579% | 2,873 |
| Memoranda: | ||
| Average total assets | $399,896,000 | 1,652 |
| Average earning assets | $366,792,000 | 1,648 |
| Average equity | $52,628,000 | 1,354 |
| Average total loans | $266,201,330 | 1,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 1,282 |
| Cost of funding earning assets | 0.2724% | 6,934 |
| Net interest margin | 4.9425% | 440 |
| Noninterest income to average assets | 1.0942% | 1,196 |
| Noninterest expense to average assets | 3.0554% | 3,066 |
| Loan and lease loss provision to assets | 0.4805% | 1,276 |
| Net operating income to assets | 1.4616% | 1,099 |
| Return on assets (ROA) | 1.4616% | 1,228 |
| Pretax return on assets | 2.0993% | 635 |
| Return on Equity (ROE) | 11.1717% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.1717% | 989 |
| Net charge-offs to loans | 0.7907% | 1,298 |
| Credit loss provision to net charge-offs | 91.9540% | 2,512 |
| Earnings coverage of net charge-offs (x) | 4.9368% | 2,474 |
| Efficiency ratio | 54.2192% | 6,323 |
| Assets per employee ($millions) | 2.8832% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 5,050 |
| Loan loss allowance to noncurrent loans | 71.2932% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3420% | 3,880 |
| Noncurrent loans to loans | 1.8144% | 3,389 |
| Net loans and leases to total assets | 62.6468% | 3,134 |
| Net loans and leases to deposits | 72.3263% | 3,378 |
| Net loans and leases to core deposits | 74.3395% | 3,858 |
| Total domestic deposits to total assets | 86.6168% | 3,165 |
| Equity capital to assets | 12.8576% | 1,508 |
| Core capital (leverage) ratio | 11.2365% | 2,083 |
| Tier 1 risk-based capital ratio | 16.9819% | 2,693 |
| Total risk-based capital ratio | 18.2285% | 2,648 |
| Memoranda: | ||
| Average total assets | $399,559,500 | 1,658 |
| Average earning assets | $367,103,000 | 1,648 |
| Average equity | $52,275,000 | 1,353 |
| Average total loans | $264,072,000 | 1,585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4752% | 1,224 |
| Cost of funding earning assets | 0.4439% | 6,752 |
| Net interest margin | 5.0313% | 391 |
| Noninterest income to average assets | 1.2083% | 909 |
| Noninterest expense to average assets | 3.0513% | 3,385 |
| Loan and lease loss provision to assets | 0.4421% | 2,387 |
| Net operating income to assets | 1.5703% | 716 |
| Return on assets (ROA) | 1.5703% | 769 |
| Pretax return on assets | 2.2997% | 301 |
| Return on Equity (ROE) | 11.3962% | 1,588 |
| Retained earnings to average equity (ytd only) | -0.2309% | 5,892 |
| Net charge-offs to loans | 0.5963% | 2,658 |
| Credit loss provision to net charge-offs | 110.2798% | 3,033 |
| Earnings coverage of net charge-offs (x) | 6.8399% | 2,440 |
| Efficiency ratio | 52.6719% | 6,644 |
| Assets per employee ($millions) | 2.7241% | 6,574 |
| Cash dividends to net income (ytd only)* | 102.0262% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,988 |
| Loan loss allowance to noncurrent loans | 86.6279% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 4,275 |
| Noncurrent loans to loans | 1.4846% | 3,921 |
| Net loans and leases to total assets | 68.0006% | 2,394 |
| Net loans and leases to deposits | 79.1154% | 2,666 |
| Net loans and leases to core deposits | 81.1808% | 3,303 |
| Total domestic deposits to total assets | 85.9512% | 3,348 |
| Equity capital to assets | 13.3236% | 1,351 |
| Core capital (leverage) ratio | 11.2737% | 2,063 |
| Tier 1 risk-based capital ratio | 16.0269% | 3,032 |
| Total risk-based capital ratio | 17.2779% | 2,985 |
| Memoranda: | ||
| Average total assets | $383,437,200 | 1,686 |
| Average earning assets | $349,411,400 | 1,695 |
| Average equity | $52,833,600 | 1,286 |
| Average total loans | $257,773,600 | 1,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 1,245 |
| Cost of funding earning assets | 0.4908% | 6,735 |
| Net interest margin | 5.0113% | 402 |
| Noninterest income to average assets | 1.1981% | 920 |
| Noninterest expense to average assets | 2.9981% | 3,560 |
| Loan and lease loss provision to assets | 0.3311% | 2,894 |
| Net operating income to assets | 1.6780% | 669 |
| Return on assets (ROA) | 1.6780% | 732 |
| Pretax return on assets | 2.4199% | 285 |
| Return on Equity (ROE) | 12.0770% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.5655% | 1,292 |
| Net charge-offs to loans | 0.4345% | 2,983 |
| Credit loss provision to net charge-offs | 114.0456% | 2,868 |
| Earnings coverage of net charge-offs (x) | 9.4766% | 2,040 |
| Efficiency ratio | 52.1489% | 6,661 |
| Assets per employee ($millions) | 2.7943% | 6,497 |
| Cash dividends to net income (ytd only)* | 29.0758% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,927 |
| Loan loss allowance to noncurrent loans | 83.2555% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 3,970 |
| Noncurrent loans to loans | 1.5822% | 3,924 |
| Net loans and leases to total assets | 64.8425% | 3,142 |
| Net loans and leases to deposits | 76.2139% | 3,296 |
| Net loans and leases to core deposits | 78.3282% | 3,851 |
| Total domestic deposits to total assets | 85.0796% | 3,734 |
| Equity capital to assets | 14.1128% | 1,118 |
| Core capital (leverage) ratio | 12.1967% | 1,596 |
| Tier 1 risk-based capital ratio | 18.0593% | 2,230 |
| Total risk-based capital ratio | 19.3106% | 2,191 |
| Memoranda: | ||
| Average total assets | $382,592,250 | 1,702 |
| Average earning assets | $347,444,750 | 1,716 |
| Average equity | $53,157,500 | 1,281 |
| Average total loans | $255,600,750 | 1,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 1,169 |
| Cost of funding earning assets | 0.5489% | 6,668 |
| Net interest margin | 5.0042% | 391 |
| Noninterest income to average assets | 1.0165% | 1,283 |
| Noninterest expense to average assets | 3.0443% | 3,458 |
| Loan and lease loss provision to assets | 0.3160% | 2,900 |
| Net operating income to assets | 1.5243% | 842 |
| Return on assets (ROA) | 1.5243% | 901 |
| Pretax return on assets | 2.1984% | 410 |
| Return on Equity (ROE) | 11.0303% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,596 |
| Net charge-offs to loans | 0.4625% | 2,731 |
| Credit loss provision to net charge-offs | 101.6949% | 3,047 |
| Earnings coverage of net charge-offs (x) | 8.0915% | 2,117 |
| Efficiency ratio | 54.7660% | 6,539 |
| Assets per employee ($millions) | 2.7278% | 6,599 |
| Cash dividends to net income (ytd only)* | 48.3760% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,159 |
| Loan loss allowance to noncurrent loans | 150.0686% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 5,214 |
| Noncurrent loans to loans | 0.8518% | 5,242 |
| Net loans and leases to total assets | 65.3764% | 3,167 |
| Net loans and leases to deposits | 76.4196% | 3,392 |
| Net loans and leases to core deposits | 78.7055% | 3,970 |
| Total domestic deposits to total assets | 85.5492% | 3,598 |
| Equity capital to assets | 13.7297% | 1,192 |
| Core capital (leverage) ratio | 11.6695% | 1,799 |
| Tier 1 risk-based capital ratio | 15.3722% | 3,309 |
| Total risk-based capital ratio | 16.5481% | 3,307 |
| Memoranda: | ||
| Average total assets | $379,724,000 | 1,724 |
| Average earning assets | $344,672,670 | 1,741 |
| Average equity | $52,473,670 | 1,283 |
| Average total loans | $255,118,330 | 1,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 1,030 |
| Cost of funding earning assets | 0.6029% | 6,607 |
| Net interest margin | 5.0103% | 373 |
| Noninterest income to average assets | 1.0130% | 1,291 |
| Noninterest expense to average assets | 3.0347% | 3,505 |
| Loan and lease loss provision to assets | 0.3990% | 2,198 |
| Net operating income to assets | 1.4791% | 911 |
| Return on assets (ROA) | 1.4791% | 954 |
| Pretax return on assets | 2.1335% | 450 |
| Return on Equity (ROE) | 10.6677% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.6677% | 961 |
| Net charge-offs to loans | 0.6587% | 1,889 |
| Credit loss provision to net charge-offs | 89.4988% | 2,950 |
| Earnings coverage of net charge-offs (x) | 5.6802% | 2,230 |
| Efficiency ratio | 54.5107% | 6,644 |
| Assets per employee ($millions) | 2.7533% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,292 |
| Loan loss allowance to noncurrent loans | 108.2578% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 5,284 |
| Noncurrent loans to loans | 1.1736% | 4,739 |
| Net loans and leases to total assets | 65.0133% | 3,236 |
| Net loans and leases to deposits | 76.0422% | 3,411 |
| Net loans and leases to core deposits | 78.3424% | 3,976 |
| Total domestic deposits to total assets | 85.4963% | 3,785 |
| Equity capital to assets | 13.7140% | 1,100 |
| Core capital (leverage) ratio | 11.9812% | 1,580 |
| Tier 1 risk-based capital ratio | 16.5130% | 2,654 |
| Total risk-based capital ratio | 17.7590% | 2,633 |
| Memoranda: | ||
| Average total assets | $375,914,500 | 1,746 |
| Average earning assets | $341,693,000 | 1,765 |
| Average equity | $52,120,000 | 1,282 |
| Average total loans | $254,422,500 | 1,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 1,316 |
| Cost of funding earning assets | 0.7338% | 6,783 |
| Net interest margin | 5.0506% | 388 |
| Noninterest income to average assets | 1.1193% | 1,178 |
| Noninterest expense to average assets | 3.0630% | 3,617 |
| Loan and lease loss provision to assets | 0.4952% | 3,178 |
| Net operating income to assets | 1.4865% | 787 |
| Return on assets (ROA) | 1.4865% | 851 |
| Pretax return on assets | 2.1304% | 369 |
| Return on Equity (ROE) | 10.0908% | 1,891 |
| Retained earnings to average equity (ytd only) | -1.0981% | 5,819 |
| Net charge-offs to loans | 0.3522% | 4,259 |
| Credit loss provision to net charge-offs | 210.7059% | 1,456 |
| Earnings coverage of net charge-offs (x) | 11.1718% | 1,632 |
| Efficiency ratio | 53.8447% | 6,821 |
| Assets per employee ($millions) | 2.5620% | 6,917 |
| Cash dividends to net income (ytd only)* | 110.8817% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 5,095 |
| Loan loss allowance to noncurrent loans | 78.5817% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 4,659 |
| Noncurrent loans to loans | 1.6313% | 4,058 |
| Net loans and leases to total assets | 68.7151% | 2,809 |
| Net loans and leases to deposits | 81.7925% | 2,851 |
| Net loans and leases to core deposits | 84.0759% | 3,586 |
| Total domestic deposits to total assets | 84.0114% | 4,357 |
| Equity capital to assets | 14.0236% | 1,032 |
| Core capital (leverage) ratio | 11.9705% | 1,571 |
| Tier 1 risk-based capital ratio | 15.5462% | 2,978 |
| Total risk-based capital ratio | 16.7734% | 2,952 |
| Memoranda: | ||
| Average total assets | $361,665,800 | 1,810 |
| Average earning assets | $327,207,600 | 1,822 |
| Average equity | $53,276,000 | 1,258 |
| Average total loans | $241,352,200 | 1,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 1,511 |
| Cost of funding earning assets | 0.7631% | 6,871 |
| Net interest margin | 4.9974% | 445 |
| Noninterest income to average assets | 1.1051% | 1,156 |
| Noninterest expense to average assets | 3.0558% | 3,552 |
| Loan and lease loss provision to assets | 0.5385% | 2,785 |
| Net operating income to assets | 1.4195% | 1,075 |
| Return on assets (ROA) | 1.4195% | 1,145 |
| Pretax return on assets | 2.0283% | 586 |
| Return on Equity (ROE) | 9.5203% | 2,313 |
| Retained earnings to average equity (ytd only) | 6.9777% | 1,859 |
| Net charge-offs to loans | 0.1804% | 4,873 |
| Credit loss provision to net charge-offs | 452.1739% | 663 |
| Earnings coverage of net charge-offs (x) | 21.5529% | 1,128 |
| Efficiency ratio | 54.3481% | 6,759 |
| Assets per employee ($millions) | 2.4602% | 7,119 |
| Cash dividends to net income (ytd only)* | 26.7065% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,341 |
| Loan loss allowance to noncurrent loans | 65.1855% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 4,142 |
| Noncurrent loans to loans | 2.1840% | 3,470 |
| Net loans and leases to total assets | 66.7371% | 3,521 |
| Net loans and leases to deposits | 79.4903% | 3,547 |
| Net loans and leases to core deposits | 81.7239% | 4,284 |
| Total domestic deposits to total assets | 83.9563% | 4,153 |
| Equity capital to assets | 15.3566% | 807 |
| Core capital (leverage) ratio | 13.0431% | 1,209 |
| Tier 1 risk-based capital ratio | 17.2755% | 2,249 |
| Total risk-based capital ratio | 18.5264% | 2,211 |
| Memoranda: | ||
| Average total assets | $360,490,250 | 1,839 |
| Average earning assets | $325,867,500 | 1,851 |
| Average equity | $53,750,500 | 1,244 |
| Average total loans | $237,935,500 | 1,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 1,547 |
| Cost of funding earning assets | 0.7974% | 6,922 |
| Net interest margin | 4.9551% | 466 |
| Noninterest income to average assets | 1.0756% | 1,164 |
| Noninterest expense to average assets | 3.0837% | 3,379 |
| Loan and lease loss provision to assets | 0.8068% | 1,792 |
| Net operating income to assets | 1.1604% | 1,675 |
| Return on assets (ROA) | 1.1604% | 1,733 |
| Pretax return on assets | 1.6580% | 1,151 |
| Return on Equity (ROE) | 7.8602% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.0127% | 3,527 |
| Net charge-offs to loans | 0.3091% | 3,772 |
| Credit loss provision to net charge-offs | 398.9041% | 914 |
| Earnings coverage of net charge-offs (x) | 12.1863% | 1,698 |
| Efficiency ratio | 55.5777% | 6,692 |
| Assets per employee ($millions) | 2.4557% | 7,156 |
| Cash dividends to net income (ytd only)* | 48.9494% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,313 |
| Loan loss allowance to noncurrent loans | 114.1569% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 5,367 |
| Noncurrent loans to loans | 1.2481% | 4,882 |
| Net loans and leases to total assets | 65.9792% | 3,837 |
| Net loans and leases to deposits | 78.0902% | 3,948 |
| Net loans and leases to core deposits | 80.6537% | 4,606 |
| Total domestic deposits to total assets | 84.4910% | 3,877 |
| Equity capital to assets | 14.9107% | 902 |
| Core capital (leverage) ratio | 12.4316% | 1,431 |
| Tier 1 risk-based capital ratio | 17.0709% | 2,252 |
| Total risk-based capital ratio | 18.3221% | 2,205 |
| Memoranda: | ||
| Average total assets | $360,924,670 | 1,852 |
| Average earning assets | $325,809,000 | 1,868 |
| Average equity | $53,281,000 | 1,249 |
| Average total loans | $236,189,670 | 1,897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 1,967 |
| Cost of funding earning assets | 0.8365% | 6,982 |
| Net interest margin | 4.8113% | 629 |
| Noninterest income to average assets | 1.0858% | 1,077 |
| Noninterest expense to average assets | 3.0520% | 3,470 |
| Loan and lease loss provision to assets | 0.1988% | 4,516 |
| Net operating income to assets | 1.5266% | 853 |
| Return on assets (ROA) | 1.5266% | 918 |
| Pretax return on assets | 2.1805% | 438 |
| Return on Equity (ROE) | 10.3925% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.3925% | 1,069 |
| Net charge-offs to loans | 0.7580% | 1,994 |
| Credit loss provision to net charge-offs | 40.5405% | 4,630 |
| Earnings coverage of net charge-offs (x) | 4.8514% | 2,527 |
| Efficiency ratio | 56.1928% | 6,736 |
| Assets per employee ($millions) | 2.5585% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,901 |
| Loan loss allowance to noncurrent loans | 74.4052% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 5,617 |
| Noncurrent loans to loans | 1.1828% | 4,998 |
| Net loans and leases to total assets | 63.5361% | 4,422 |
| Net loans and leases to deposits | 75.2583% | 4,535 |
| Net loans and leases to core deposits | 78.1786% | 5,002 |
| Total domestic deposits to total assets | 84.4241% | 3,932 |
| Equity capital to assets | 14.7199% | 951 |
| Core capital (leverage) ratio | 12.7449% | 1,311 |
| Tier 1 risk-based capital ratio | 18.0735% | 1,926 |
| Total risk-based capital ratio | 18.9506% | 1,998 |
| Memoranda: | ||
| Average total assets | $362,123,000 | 1,891 |
| Average earning assets | $327,060,500 | 1,910 |
| Average equity | $53,192,000 | 1,257 |
| Average total loans | $234,298,000 | 1,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 1,689 |
| Cost of funding earning assets | 1.1247% | 6,903 |
| Net interest margin | 4.9203% | 534 |
| Noninterest income to average assets | 1.1334% | 1,200 |
| Noninterest expense to average assets | 2.9755% | 4,247 |
| Loan and lease loss provision to assets | 0.3337% | 4,805 |
| Net operating income to assets | 1.5789% | 570 |
| Return on assets (ROA) | 1.5789% | 610 |
| Pretax return on assets | 2.2477% | 251 |
| Return on Equity (ROE) | 10.6558% | 1,508 |
| Retained earnings to average equity (ytd only) | 4.6319% | 2,014 |
| Net charge-offs to loans | 0.1559% | 5,704 |
| Credit loss provision to net charge-offs | 325.8427% | 1,003 |
| Earnings coverage of net charge-offs (x) | 25.2079% | 883 |
| Efficiency ratio | 53.5459% | 7,272 |
| Assets per employee ($millions) | 2.5062% | 7,196 |
| Cash dividends to net income (ytd only)* | 56.5312% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,424 |
| Loan loss allowance to noncurrent loans | 88.7872% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,594 |
| Noncurrent loans to loans | 1.1202% | 5,092 |
| Net loans and leases to total assets | 64.6652% | 4,456 |
| Net loans and leases to deposits | 76.8904% | 4,589 |
| Net loans and leases to core deposits | 89.7705% | 5,154 |
| Total domestic deposits to total assets | 84.1004% | 3,985 |
| Equity capital to assets | 14.6573% | 986 |
| Core capital (leverage) ratio | 12.6276% | 1,393 |
| Tier 1 risk-based capital ratio | 19.1061% | 1,633 |
| Total risk-based capital ratio | 20.1792% | 1,635 |
| Memoranda: | ||
| Average total assets | $347,637,200 | 1,961 |
| Average earning assets | $312,541,400 | 1,991 |
| Average equity | $51,511,800 | 1,298 |
| Average total loans | $228,394,600 | 2,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 1,769 |
| Cost of funding earning assets | 1.1698% | 6,974 |
| Net interest margin | 4.8966% | 559 |
| Noninterest income to average assets | 1.1352% | 1,220 |
| Noninterest expense to average assets | 2.9314% | 4,311 |
| Loan and lease loss provision to assets | 0.2899% | 4,658 |
| Net operating income to assets | 1.6114% | 653 |
| Return on assets (ROA) | 1.6114% | 702 |
| Pretax return on assets | 2.3114% | 281 |
| Return on Equity (ROE) | 10.8443% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.8270% | 1,190 |
| Net charge-offs to loans | 0.1187% | 5,511 |
| Credit loss provision to net charge-offs | 371.2871% | 1,090 |
| Earnings coverage of net charge-offs (x) | 33.3164% | 863 |
| Efficiency ratio | 52.9831% | 7,333 |
| Assets per employee ($millions) | 2.4506% | 7,302 |
| Cash dividends to net income (ytd only)* | 27.8244% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 6,855 |
| Loan loss allowance to noncurrent loans | 125.4237% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 6,203 |
| Noncurrent loans to loans | 0.6995% | 5,899 |
| Net loans and leases to total assets | 66.7970% | 4,234 |
| Net loans and leases to deposits | 79.5438% | 4,468 |
| Net loans and leases to core deposits | 93.8080% | 5,032 |
| Total domestic deposits to total assets | 83.9751% | 3,737 |
| Equity capital to assets | 15.1974% | 952 |
| Core capital (leverage) ratio | 13.0261% | 1,370 |
| Tier 1 risk-based capital ratio | 19.8018% | 1,596 |
| Total risk-based capital ratio | 20.7829% | 1,599 |
| Memoranda: | ||
| Average total assets | $344,951,500 | 1,991 |
| Average earning assets | $309,786,250 | 2,030 |
| Average equity | $51,257,500 | 1,320 |
| Average total loans | $226,974,500 | 2,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0063% | 2,156 |
| Cost of funding earning assets | 1.1943% | 7,121 |
| Net interest margin | 4.8120% | 638 |
| Noninterest income to average assets | 1.1086% | 1,292 |
| Noninterest expense to average assets | 2.9336% | 4,365 |
| Loan and lease loss provision to assets | 0.3666% | 3,731 |
| Net operating income to assets | 1.4939% | 847 |
| Return on assets (ROA) | 1.4939% | 906 |
| Pretax return on assets | 2.1438% | 398 |
| Return on Equity (ROE) | 10.1322% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,226 |
| Net charge-offs to loans | 0.1242% | 4,922 |
| Credit loss provision to net charge-offs | 452.5180% | 1,028 |
| Earnings coverage of net charge-offs (x) | 30.9856% | 979 |
| Efficiency ratio | 53.8865% | 7,347 |
| Assets per employee ($millions) | 2.4232% | 7,392 |
| Cash dividends to net income (ytd only)* | 45.2595% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 6,930 |
| Loan loss allowance to noncurrent loans | 149.9628% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 6,058 |
| Noncurrent loans to loans | 0.5753% | 6,111 |
| Net loans and leases to total assets | 66.7941% | 4,403 |
| Net loans and leases to deposits | 79.0395% | 4,696 |
| Net loans and leases to core deposits | 92.8977% | 5,252 |
| Total domestic deposits to total assets | 84.5073% | 3,501 |
| Equity capital to assets | 14.7242% | 1,103 |
| Core capital (leverage) ratio | 12.5351% | 1,608 |
| Tier 1 risk-based capital ratio | 18.9456% | 1,791 |
| Total risk-based capital ratio | 19.8939% | 1,806 |
| Memoranda: | ||
| Average total assets | $343,123,670 | 2,018 |
| Average earning assets | $309,144,000 | 2,062 |
| Average equity | $50,591,000 | 1,356 |
| Average total loans | $223,915,330 | 2,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 2,569 |
| Cost of funding earning assets | 1.2415% | 7,199 |
| Net interest margin | 4.7077% | 752 |
| Noninterest income to average assets | 1.0954% | 1,246 |
| Noninterest expense to average assets | 2.8879% | 4,197 |
| Loan and lease loss provision to assets | 0.3058% | 3,503 |
| Net operating income to assets | 1.5019% | 933 |
| Return on assets (ROA) | 1.5019% | 1,002 |
| Pretax return on assets | 2.1533% | 489 |
| Return on Equity (ROE) | 10.1795% | 2,253 |
| Retained earnings to average equity (ytd only) | 10.1795% | 1,147 |
| Net charge-offs to loans | 0.0803% | 4,370 |
| Credit loss provision to net charge-offs | 593.1818% | 960 |
| Earnings coverage of net charge-offs (x) | 47.7045% | 758 |
| Efficiency ratio | 54.0096% | 7,223 |
| Assets per employee ($millions) | 2.4563% | 7,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 7,216 |
| Loan loss allowance to noncurrent loans | 141.8908% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 6,083 |
| Noncurrent loans to loans | 0.5521% | 6,033 |
| Net loans and leases to total assets | 63.2123% | 5,122 |
| Net loans and leases to deposits | 75.0156% | 5,341 |
| Net loans and leases to core deposits | 87.1515% | 5,823 |
| Total domestic deposits to total assets | 84.2656% | 3,574 |
| Equity capital to assets | 14.6785% | 1,188 |
| Core capital (leverage) ratio | 12.8155% | 1,550 |
| Tier 1 risk-based capital ratio | 19.6097% | 1,694 |
| Total risk-based capital ratio | 20.4674% | 1,733 |
| Memoranda: | ||
| Average total assets | $341,430,000 | 2,034 |
| Average earning assets | $308,349,000 | 2,069 |
| Average equity | $50,376,000 | 1,363 |
| Average total loans | $219,141,500 | 2,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5051% | 2,929 |
| Cost of funding earning assets | 1.7372% | 7,170 |
| Net interest margin | 4.7680% | 837 |
| Noninterest income to average assets | 1.1793% | 1,098 |
| Noninterest expense to average assets | 2.9538% | 4,247 |
| Loan and lease loss provision to assets | 0.0877% | 6,281 |
| Net operating income to assets | 1.7031% | 670 |
| Return on assets (ROA) | 1.7031% | 640 |
| Pretax return on assets | 2.3961% | 248 |
| Return on Equity (ROE) | 11.6796% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.2350% | 772 |
| Net charge-offs to loans | 0.1254% | 4,985 |
| Credit loss provision to net charge-offs | 114.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | 32.3000% | 1,113 |
| Efficiency ratio | 54.3218% | 7,237 |
| Assets per employee ($millions) | 2.2881% | 7,578 |
| Cash dividends to net income (ytd only)* | 29.4925% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 7,408 |
| Loan loss allowance to noncurrent loans | 202.6596% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 6,419 |
| Noncurrent loans to loans | 0.3481% | 6,331 |
| Net loans and leases to total assets | 64.2200% | 5,231 |
| Net loans and leases to deposits | 76.2887% | 5,554 |
| Net loans and leases to core deposits | 87.5393% | 6,017 |
| Total domestic deposits to total assets | 84.1803% | 3,228 |
| Equity capital to assets | 14.8337% | 1,203 |
| Core capital (leverage) ratio | 12.6364% | 1,692 |
| Tier 1 risk-based capital ratio | 19.3425% | 1,739 |
| Total risk-based capital ratio | 20.1126% | 1,797 |
| Memoranda: | ||
| Average total assets | $325,110,600 | 2,057 |
| Average earning assets | $290,354,600 | 2,102 |
| Average equity | $47,407,600 | 1,447 |
| Average total loans | $199,408,800 | 2,306 |