Home > BankFirst Financial Services > Performance and Condition Ratios
BankFirst Financial Services, 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 | 4.9934% | 2,081 |
| Cost of funding earning assets | 1.0808% | 3,111 |
| Net interest margin | 3.9126% | 1,349 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 2.9449% | 1,201 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2088% | 1,630 |
| Return on assets (ROA) | 1.1701% | 1,693 |
| Pretax return on assets | 1.5108% | 1,391 |
| Return on Equity (ROE) | 9.6900% | 2,587 |
| Retained earnings to average equity (ytd only) | 9.6888% | 1,092 |
| Net charge-offs to loans | 0.0532% | 1,337 |
| Credit loss provision to net charge-offs | 217.4151% | 1,163 |
| Earnings coverage of net charge-offs (x) | 47.1917% | 1,331 |
| Efficiency ratio | 62.9323% | 2,734 |
| Assets per employee ($millions) | 5.8438% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 1,655 |
| Loan loss allowance to noncurrent loans | 237.5616% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 1,481 |
| Noncurrent loans to loans | 0.5591% | 1,400 |
| Net loans and leases to total assets | 65.7000% | 2,286 |
| Net loans and leases to deposits | 75.9161% | 2,458 |
| Net loans and leases to core deposits | 81.0623% | 2,651 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 12.5287% | 985 |
| Core capital (leverage) ratio | 10.4503% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,632,424,800 | 444 |
| Average earning assets | $2,344,530,600 | 455 |
| Average equity | $317,902,200 | 381 |
| Average total loans | $1,716,364,000 | 461 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 2,004 |
| Cost of funding earning assets | 0.9355% | 3,190 |
| Net interest margin | 3.9919% | 1,233 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.9953% | 1,075 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2703% | 1,606 |
| Return on assets (ROA) | 1.2137% | 1,746 |
| Pretax return on assets | 1.5733% | 1,415 |
| Return on Equity (ROE) | 10.1500% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.1492% | 1,361 |
| Net charge-offs to loans | 0.0719% | 971 |
| Credit loss provision to net charge-offs | 173.6035% | 1,217 |
| Earnings coverage of net charge-offs (x) | 37.0460% | 1,491 |
| Efficiency ratio | 62.0999% | 2,703 |
| Assets per employee ($millions) | 5.8057% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 1,749 |
| Loan loss allowance to noncurrent loans | 184.6706% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 1,228 |
| Noncurrent loans to loans | 0.7193% | 1,155 |
| Net loans and leases to total assets | 64.8900% | 2,356 |
| Net loans and leases to deposits | 74.6175% | 2,518 |
| Net loans and leases to core deposits | 78.9249% | 2,683 |
| Total domestic deposits to total assets | 86.9700% | 1,905 |
| Equity capital to assets | 12.0736% | 1,025 |
| Core capital (leverage) ratio | 10.3596% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,609,733,250 | 450 |
| Average earning assets | $2,323,519,750 | 459 |
| Average equity | $312,082,500 | 382 |
| Average total loans | $1,692,163,000 | 465 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,820 |
| Cost of funding earning assets | 0.7578% | 3,329 |
| Net interest margin | 4.1194% | 1,053 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.0261% | 1,002 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1439% | 1,989 |
| Return on assets (ROA) | 1.1481% | 1,971 |
| Pretax return on assets | 1.4908% | 1,619 |
| Return on Equity (ROE) | 9.6300% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.6334% | 1,501 |
| Net charge-offs to loans | 0.0603% | 944 |
| Credit loss provision to net charge-offs | 149.7006% | 1,204 |
| Earnings coverage of net charge-offs (x) | 39.6866% | 1,405 |
| Efficiency ratio | 64.8408% | 2,392 |
| Assets per employee ($millions) | 5.7429% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,809 |
| Loan loss allowance to noncurrent loans | 193.7505% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,147 |
| Noncurrent loans to loans | 0.6853% | 1,093 |
| Net loans and leases to total assets | 64.9000% | 2,288 |
| Net loans and leases to deposits | 74.6709% | 2,432 |
| Net loans and leases to core deposits | 78.1790% | 2,597 |
| Total domestic deposits to total assets | 86.9200% | 1,953 |
| Equity capital to assets | 12.0713% | 1,027 |
| Core capital (leverage) ratio | 9.9460% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,575,897,000 | 438 |
| Average earning assets | $2,289,900,000 | 454 |
| Average equity | $306,995,333 | 376 |
| Average total loans | $1,661,854,333 | 459 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 1,509 |
| Cost of funding earning assets | 0.5966% | 3,394 |
| Net interest margin | 4.2507% | 874 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.9753% | 1,105 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2433% | 1,813 |
| Return on assets (ROA) | 1.2535% | 1,759 |
| Pretax return on assets | 1.6388% | 1,387 |
| Return on Equity (ROE) | 10.5900% | 2,609 |
| Retained earnings to average equity (ytd only) | 10.5891% | 1,560 |
| Net charge-offs to loans | 0.0415% | 943 |
| Credit loss provision to net charge-offs | 223.2143% | 783 |
| Earnings coverage of net charge-offs (x) | 63.5476% | 990 |
| Efficiency ratio | 62.4716% | 2,636 |
| Assets per employee ($millions) | 5.7338% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 1,836 |
| Loan loss allowance to noncurrent loans | 194.4640% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 1,071 |
| Noncurrent loans to loans | 0.6920% | 1,096 |
| Net loans and leases to total assets | 63.8400% | 2,264 |
| Net loans and leases to deposits | 73.1146% | 2,374 |
| Net loans and leases to core deposits | 76.3526% | 2,499 |
| Total domestic deposits to total assets | 87.3100% | 2,159 |
| Equity capital to assets | 11.8720% | 1,036 |
| Core capital (leverage) ratio | 9.6173% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,534,361,000 | 456 |
| Average earning assets | $2,250,941,000 | 471 |
| Average equity | $300,006,500 | 391 |
| Average total loans | $1,618,292,500 | 483 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 1,662 |
| Cost of funding earning assets | 0.2207% | 3,591 |
| Net interest margin | 3.7998% | 1,160 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.7992% | 1,314 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2138% | 1,719 |
| Return on assets (ROA) | 1.2042% | 1,696 |
| Pretax return on assets | 1.5175% | 1,400 |
| Return on Equity (ROE) | 10.7000% | 2,577 |
| Retained earnings to average equity (ytd only) | 10.7004% | 962 |
| Net charge-offs to loans | 0.2034% | 407 |
| Credit loss provision to net charge-offs | 39.8180% | 1,864 |
| Earnings coverage of net charge-offs (x) | 12.4509% | 2,109 |
| Efficiency ratio | 63.0470% | 2,623 |
| Assets per employee ($millions) | 5.8313% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 3,647 |
| Loan loss allowance to noncurrent loans | 124.4124% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 1,002 |
| Noncurrent loans to loans | 0.7516% | 999 |
| Net loans and leases to total assets | 62.3200% | 2,403 |
| Net loans and leases to deposits | 71.4286% | 2,455 |
| Net loans and leases to core deposits | 73.7630% | 2,583 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 11.7993% | 991 |
| Core capital (leverage) ratio | 9.6019% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,077,796,200 | 528 |
| Average earning assets | $1,867,041,400 | 534 |
| Average equity | $233,832,400 | 465 |
| Average total loans | $1,296,519,200 | 544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 1,522 |
| Cost of funding earning assets | 0.2448% | 2,762 |
| Net interest margin | 3.6388% | 1,301 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 2.7473% | 1,356 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1681% | 1,823 |
| Return on assets (ROA) | 1.1665% | 1,807 |
| Pretax return on assets | 1.5193% | 1,359 |
| Return on Equity (ROE) | 10.5200% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.5185% | 1,190 |
| Net charge-offs to loans | 0.2538% | 264 |
| Credit loss provision to net charge-offs | 25.3593% | 1,616 |
| Earnings coverage of net charge-offs (x) | 9.8821% | 2,008 |
| Efficiency ratio | 62.3741% | 2,782 |
| Assets per employee ($millions) | 5.9932% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,191 |
| Loan loss allowance to noncurrent loans | 128.1385% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 945 |
| Noncurrent loans to loans | 0.8290% | 952 |
| Net loans and leases to total assets | 61.9600% | 2,295 |
| Net loans and leases to deposits | 70.7127% | 2,308 |
| Net loans and leases to core deposits | 73.0739% | 2,418 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 11.1929% | 1,105 |
| Core capital (leverage) ratio | 10.0227% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,996,622,250 | 550 |
| Average earning assets | $1,798,661,500 | 560 |
| Average equity | $221,421,250 | 485 |
| Average total loans | $1,242,830,000 | 556 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 1,264 |
| Cost of funding earning assets | 0.2528% | 2,229 |
| Net interest margin | 3.5717% | 1,125 |
| Noninterest income to average assets | 1.0214% | 636 |
| Noninterest expense to average assets | 2.6599% | 1,482 |
| Loan and lease loss provision to assets | 0.0306% | 2,045 |
| Net operating income to assets | 1.1916% | 1,453 |
| Return on assets (ROA) | 1.1913% | 1,433 |
| Pretax return on assets | 1.5453% | 1,057 |
| Return on Equity (ROE) | 10.7777% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.7777% | 828 |
| Net charge-offs to loans | 0.3455% | 203 |
| Credit loss provision to net charge-offs | 14.2450% | 1,622 |
| Earnings coverage of net charge-offs (x) | 7.3462% | 1,858 |
| Efficiency ratio | 61.3512% | 3,131 |
| Assets per employee ($millions) | 5.7612% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,046 |
| Loan loss allowance to noncurrent loans | 119.7641% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 903 |
| Noncurrent loans to loans | 0.9424% | 889 |
| Net loans and leases to total assets | 59.5946% | 2,367 |
| Net loans and leases to deposits | 67.8183% | 2,403 |
| Net loans and leases to core deposits | 71.1881% | 2,403 |
| Total domestic deposits to total assets | 87.8740% | 2,625 |
| Equity capital to assets | 11.4587% | 1,042 |
| Core capital (leverage) ratio | 9.8525% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,962,958,667 | 554 |
| Average earning assets | $1,766,782,000 | 566 |
| Average equity | $216,967,000 | 495 |
| Average total loans | $1,219,250,667 | 559 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 849 |
| Cost of funding earning assets | 0.2619% | 2,024 |
| Net interest margin | 3.6878% | 762 |
| Noninterest income to average assets | 1.0532% | 622 |
| Noninterest expense to average assets | 2.9724% | 853 |
| Loan and lease loss provision to assets | 0.0312% | 1,804 |
| Net operating income to assets | 1.0717% | 1,617 |
| Return on assets (ROA) | 1.0717% | 1,608 |
| Pretax return on assets | 1.3675% | 1,335 |
| Return on Equity (ROE) | 9.8890% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.8890% | 1,046 |
| Net charge-offs to loans | 0.0003% | 1,835 |
| Credit loss provision to net charge-offs | 15,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 6,720.0000% | 5 |
| Efficiency ratio | 66.5825% | 2,692 |
| Assets per employee ($millions) | 5.7038% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,353 |
| Loan loss allowance to noncurrent loans | 122.1555% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 786 |
| Noncurrent loans to loans | 1.0661% | 845 |
| Net loans and leases to total assets | 59.3899% | 2,132 |
| Net loans and leases to deposits | 67.2045% | 2,226 |
| Net loans and leases to core deposits | 70.8615% | 2,220 |
| Total domestic deposits to total assets | 88.3719% | 2,345 |
| Equity capital to assets | 10.9203% | 1,372 |
| Core capital (leverage) ratio | 8.9893% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6542% | 1,934 |
| Memoranda: | ||
| Average total assets | $1,921,821,500 | 572 |
| Average earning assets | $1,729,029,500 | 579 |
| Average equity | $208,272,000 | 523 |
| Average total loans | $1,212,495,000 | 556 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 1,607 |
| Cost of funding earning assets | 0.3333% | 2,086 |
| Net interest margin | 3.5688% | 1,553 |
| Noninterest income to average assets | 1.2787% | 652 |
| Noninterest expense to average assets | 2.9983% | 985 |
| Loan and lease loss provision to assets | 0.0623% | 1,820 |
| Net operating income to assets | 1.1212% | 2,207 |
| Return on assets (ROA) | 1.1218% | 2,266 |
| Pretax return on assets | 1.4186% | 1,989 |
| Return on Equity (ROE) | 10.4342% | 2,378 |
| Retained earnings to average equity (ytd only) | 5.2189% | 2,706 |
| Net charge-offs to loans | 0.1637% | 589 |
| Credit loss provision to net charge-offs | 58.8671% | 2,071 |
| Earnings coverage of net charge-offs (x) | 13.9751% | 2,055 |
| Efficiency ratio | 65.5933% | 2,321 |
| Assets per employee ($millions) | 5.3337% | 3,434 |
| Cash dividends to net income (ytd only)* | 49.9825% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,345 |
| Loan loss allowance to noncurrent loans | 115.5384% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 750 |
| Noncurrent loans to loans | 1.1276% | 858 |
| Net loans and leases to total assets | 65.4745% | 1,535 |
| Net loans and leases to deposits | 73.9728% | 1,726 |
| Net loans and leases to core deposits | 77.4254% | 1,810 |
| Total domestic deposits to total assets | 88.5117% | 1,786 |
| Equity capital to assets | 10.7447% | 1,982 |
| Core capital (leverage) ratio | 8.9984% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9748% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,783,494,600 | 590 |
| Average earning assets | $1,599,067,000 | 599 |
| Average equity | $191,744,200 | 563 |
| Average total loans | $1,153,652,400 | 574 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 2,806 |
| Cost of funding earning assets | 0.3362% | 2,238 |
| Net interest margin | 3.1737% | 2,817 |
| Noninterest income to average assets | 1.6154% | 479 |
| Noninterest expense to average assets | 2.9895% | 997 |
| Loan and lease loss provision to assets | 0.0535% | 1,914 |
| Net operating income to assets | 1.1248% | 2,462 |
| Return on assets (ROA) | 1.1256% | 2,522 |
| Pretax return on assets | 1.4161% | 2,269 |
| Return on Equity (ROE) | 10.4680% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.2758% | 2,708 |
| Net charge-offs to loans | 0.0994% | 739 |
| Credit loss provision to net charge-offs | 83.7647% | 1,699 |
| Earnings coverage of net charge-offs (x) | 22.9976% | 1,673 |
| Efficiency ratio | 65.6887% | 2,143 |
| Assets per employee ($millions) | 5.2480% | 3,456 |
| Cash dividends to net income (ytd only)* | 40.0481% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,891 |
| Loan loss allowance to noncurrent loans | 172.9358% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 1,312 |
| Noncurrent loans to loans | 0.8271% | 1,380 |
| Net loans and leases to total assets | 62.9898% | 1,889 |
| Net loans and leases to deposits | 71.5579% | 2,099 |
| Net loans and leases to core deposits | 74.9354% | 2,146 |
| Total domestic deposits to total assets | 88.0263% | 1,827 |
| Equity capital to assets | 10.9167% | 2,075 |
| Core capital (leverage) ratio | 8.9377% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9547% | 1,988 |
| Memoranda: | ||
| Average total assets | $1,774,671,250 | 596 |
| Average earning assets | $1,589,619,250 | 604 |
| Average equity | $190,824,250 | 571 |
| Average total loans | $1,140,425,000 | 595 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 2,848 |
| Cost of funding earning assets | 0.3540% | 2,278 |
| Net interest margin | 3.1604% | 2,870 |
| Noninterest income to average assets | 1.4727% | 557 |
| Noninterest expense to average assets | 2.9770% | 1,023 |
| Loan and lease loss provision to assets | 0.0441% | 2,135 |
| Net operating income to assets | 1.0489% | 2,729 |
| Return on assets (ROA) | 1.0501% | 2,798 |
| Pretax return on assets | 1.2835% | 2,674 |
| Return on Equity (ROE) | 9.8166% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.4779% | 3,692 |
| Net charge-offs to loans | 0.0632% | 982 |
| Credit loss provision to net charge-offs | 108.3333% | 1,316 |
| Earnings coverage of net charge-offs (x) | 32.5944% | 1,267 |
| Efficiency ratio | 67.7618% | 1,908 |
| Assets per employee ($millions) | 5.1093% | 3,549 |
| Cash dividends to net income (ytd only)* | 64.5717% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,766 |
| Loan loss allowance to noncurrent loans | 158.9191% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 1,287 |
| Noncurrent loans to loans | 0.9119% | 1,358 |
| Net loans and leases to total assets | 62.4873% | 2,119 |
| Net loans and leases to deposits | 70.9628% | 2,315 |
| Net loans and leases to core deposits | 74.2103% | 2,389 |
| Total domestic deposits to total assets | 88.0564% | 1,788 |
| Equity capital to assets | 10.6151% | 2,294 |
| Core capital (leverage) ratio | 8.5930% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4963% | 2,165 |
| Memoranda: | ||
| Average total assets | $1,769,704,333 | 595 |
| Average earning assets | $1,584,938,667 | 604 |
| Average equity | $189,311,667 | 570 |
| Average total loans | $1,139,365,000 | 599 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 2,814 |
| Cost of funding earning assets | 0.3902% | 2,173 |
| Net interest margin | 3.1461% | 2,855 |
| Noninterest income to average assets | 1.5441% | 575 |
| Noninterest expense to average assets | 2.9813% | 1,026 |
| Loan and lease loss provision to assets | 0.0561% | 1,992 |
| Net operating income to assets | 1.0586% | 2,607 |
| Return on assets (ROA) | 1.0610% | 2,683 |
| Pretax return on assets | 1.3301% | 2,486 |
| Return on Equity (ROE) | 9.8795% | 2,738 |
| Retained earnings to average equity (ytd only) | 5.6357% | 3,018 |
| Net charge-offs to loans | 0.0334% | 1,146 |
| Credit loss provision to net charge-offs | 258.9474% | 804 |
| Earnings coverage of net charge-offs (x) | 63.8947% | 797 |
| Efficiency ratio | 66.8929% | 2,097 |
| Assets per employee ($millions) | 5.1747% | 3,457 |
| Cash dividends to net income (ytd only)* | 42.9553% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,715 |
| Loan loss allowance to noncurrent loans | 158.6637% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 1,444 |
| Noncurrent loans to loans | 0.9243% | 1,465 |
| Net loans and leases to total assets | 62.8322% | 2,191 |
| Net loans and leases to deposits | 71.2205% | 2,396 |
| Net loans and leases to core deposits | 74.6453% | 2,456 |
| Total domestic deposits to total assets | 88.2221% | 1,728 |
| Equity capital to assets | 10.4953% | 2,277 |
| Core capital (leverage) ratio | 8.6400% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2691% | 2,176 |
| Memoranda: | ||
| Average total assets | $1,755,315,500 | 593 |
| Average earning assets | $1,573,620,500 | 596 |
| Average equity | $188,512,000 | 567 |
| Average total loans | $1,138,873,000 | 601 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,368 |
| Cost of funding earning assets | 0.5998% | 2,312 |
| Net interest margin | 3.5203% | 2,411 |
| Noninterest income to average assets | 1.5229% | 524 |
| Noninterest expense to average assets | 3.1116% | 1,206 |
| Loan and lease loss provision to assets | 0.5382% | 423 |
| Net operating income to assets | 0.8328% | 2,969 |
| Return on assets (ROA) | 1.0293% | 2,326 |
| Pretax return on assets | 1.2616% | 2,112 |
| Return on Equity (ROE) | 9.2357% | 2,298 |
| Retained earnings to average equity (ytd only) | -4.7442% | 4,829 |
| Net charge-offs to loans | 0.0998% | 1,471 |
| Credit loss provision to net charge-offs | 781.2320% | 924 |
| Earnings coverage of net charge-offs (x) | 22.6477% | 1,842 |
| Efficiency ratio | 65.3104% | 2,634 |
| Assets per employee ($millions) | 5.0749% | 3,309 |
| Cash dividends to net income (ytd only)* | 151.3688% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,801 |
| Loan loss allowance to noncurrent loans | 164.1066% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 1,590 |
| Noncurrent loans to loans | 0.8797% | 1,606 |
| Net loans and leases to total assets | 65.0741% | 2,217 |
| Net loans and leases to deposits | 74.2715% | 2,456 |
| Net loans and leases to core deposits | 78.3449% | 2,532 |
| Total domestic deposits to total assets | 87.6165% | 1,650 |
| Equity capital to assets | 10.9907% | 2,260 |
| Core capital (leverage) ratio | 8.9266% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3312% | 2,111 |
| Memoranda: | ||
| Average total assets | $1,508,279,200 | 612 |
| Average earning assets | $1,349,087,200 | 625 |
| Average equity | $168,098,400 | 611 |
| Average total loans | $1,041,104,000 | 612 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 2,397 |
| Cost of funding earning assets | 0.6636% | 2,243 |
| Net interest margin | 3.5386% | 2,463 |
| Noninterest income to average assets | 1.5516% | 492 |
| Noninterest expense to average assets | 3.0529% | 1,332 |
| Loan and lease loss provision to assets | 0.7310% | 274 |
| Net operating income to assets | 0.7565% | 3,264 |
| Return on assets (ROA) | 1.0254% | 2,373 |
| Pretax return on assets | 1.2651% | 2,177 |
| Return on Equity (ROE) | 9.1624% | 2,332 |
| Retained earnings to average equity (ytd only) | -7.6501% | 4,896 |
| Net charge-offs to loans | 0.0690% | 1,629 |
| Credit loss provision to net charge-offs | 1,514.2586% | 613 |
| Earnings coverage of net charge-offs (x) | 34.4734% | 1,477 |
| Efficiency ratio | 63.4913% | 2,827 |
| Assets per employee ($millions) | 4.7520% | 3,537 |
| Cash dividends to net income (ytd only)* | 183.4945% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,750 |
| Loan loss allowance to noncurrent loans | 153.4407% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,580 |
| Noncurrent loans to loans | 0.9103% | 1,637 |
| Net loans and leases to total assets | 70.7387% | 1,853 |
| Net loans and leases to deposits | 80.9475% | 2,202 |
| Net loans and leases to core deposits | 85.6947% | 2,323 |
| Total domestic deposits to total assets | 87.3884% | 1,500 |
| Equity capital to assets | 11.1975% | 2,232 |
| Core capital (leverage) ratio | 8.6938% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9865% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,452,715,750 | 616 |
| Average earning assets | $1,299,541,750 | 631 |
| Average equity | $162,573,500 | 623 |
| Average total loans | $1,015,724,000 | 625 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 2,837 |
| Cost of funding earning assets | 0.7270% | 2,256 |
| Net interest margin | 3.4474% | 2,951 |
| Noninterest income to average assets | 1.4483% | 500 |
| Noninterest expense to average assets | 2.9407% | 1,736 |
| Loan and lease loss provision to assets | 0.4075% | 986 |
| Net operating income to assets | 0.9616% | 2,454 |
| Return on assets (ROA) | 1.0497% | 2,286 |
| Pretax return on assets | 1.2914% | 2,057 |
| Return on Equity (ROE) | 9.3820% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.3820% | 916 |
| Net charge-offs to loans | 0.0819% | 1,431 |
| Credit loss provision to net charge-offs | 718.9744% | 986 |
| Earnings coverage of net charge-offs (x) | 28.0564% | 1,474 |
| Efficiency ratio | 63.8355% | 2,844 |
| Assets per employee ($millions) | 5.8798% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,860 |
| Loan loss allowance to noncurrent loans | 116.2850% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,774 |
| Noncurrent loans to loans | 0.9745% | 1,588 |
| Net loans and leases to total assets | 67.5276% | 2,431 |
| Net loans and leases to deposits | 83.0502% | 2,090 |
| Net loans and leases to core deposits | 86.8193% | 2,370 |
| Total domestic deposits to total assets | 81.3093% | 3,538 |
| Equity capital to assets | 10.4702% | 2,768 |
| Core capital (leverage) ratio | 9.5999% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5047% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,376,216,333 | 637 |
| Average earning assets | $1,230,546,667 | 652 |
| Average equity | $153,976,000 | 649 |
| Average total loans | $952,020,667 | 654 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,464 |
| Cost of funding earning assets | 0.8254% | 2,245 |
| Net interest margin | 3.6191% | 2,605 |
| Noninterest income to average assets | 1.4336% | 437 |
| Noninterest expense to average assets | 3.0269% | 1,820 |
| Loan and lease loss provision to assets | 0.2926% | 1,058 |
| Net operating income to assets | 1.0279% | 2,082 |
| Return on assets (ROA) | 1.0828% | 2,001 |
| Pretax return on assets | 1.3988% | 1,569 |
| Return on Equity (ROE) | 9.3261% | 1,988 |
| Retained earnings to average equity (ytd only) | 9.3261% | 890 |
| Net charge-offs to loans | 0.0954% | 1,117 |
| Credit loss provision to net charge-offs | 440.2778% | 948 |
| Earnings coverage of net charge-offs (x) | 24.4028% | 1,300 |
| Efficiency ratio | 64.0124% | 3,232 |
| Assets per employee ($millions) | 5.0642% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,093 |
| Loan loss allowance to noncurrent loans | 100.8944% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 1,732 |
| Noncurrent loans to loans | 1.1089% | 1,497 |
| Net loans and leases to total assets | 67.8879% | 2,559 |
| Net loans and leases to deposits | 78.1817% | 2,864 |
| Net loans and leases to core deposits | 82.8065% | 2,952 |
| Total domestic deposits to total assets | 86.8335% | 1,632 |
| Equity capital to assets | 11.6198% | 2,346 |
| Core capital (leverage) ratio | 9.8778% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0459% | 2,268 |
| Memoranda: | ||
| Average total assets | $1,299,946,500 | 642 |
| Average earning assets | $1,154,886,000 | 658 |
| Average equity | $150,932,000 | 656 |
| Average total loans | $905,949,000 | 664 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 2,189 |
| Cost of funding earning assets | 0.8747% | 2,311 |
| Net interest margin | 3.8766% | 2,256 |
| Noninterest income to average assets | 1.2788% | 579 |
| Noninterest expense to average assets | 3.1157% | 1,721 |
| Loan and lease loss provision to assets | 0.1347% | 1,581 |
| Net operating income to assets | 1.1677% | 2,184 |
| Return on assets (ROA) | 1.1967% | 2,166 |
| Pretax return on assets | 1.5563% | 1,630 |
| Return on Equity (ROE) | 10.9400% | 1,912 |
| Retained earnings to average equity (ytd only) | -10.4528% | 5,068 |
| Net charge-offs to loans | 0.0536% | 2,334 |
| Credit loss provision to net charge-offs | 343.5730% | 811 |
| Earnings coverage of net charge-offs (x) | 42.2004% | 1,263 |
| Efficiency ratio | 64.2889% | 3,036 |
| Assets per employee ($millions) | 4.9928% | 2,611 |
| Cash dividends to net income (ytd only)* | 195.5467% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,269 |
| Loan loss allowance to noncurrent loans | 93.0449% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 1,591 |
| Noncurrent loans to loans | 1.1191% | 1,351 |
| Net loans and leases to total assets | 70.0249% | 2,392 |
| Net loans and leases to deposits | 80.6251% | 2,707 |
| Net loans and leases to core deposits | 86.4168% | 2,762 |
| Total domestic deposits to total assets | 86.8525% | 1,685 |
| Equity capital to assets | 11.6012% | 2,430 |
| Core capital (leverage) ratio | 10.0042% | 3,514 |
| Tier 1 risk-based capital ratio | 12.9813% | 3,799 |
| Total risk-based capital ratio | 13.9665% | 3,825 |
| Memoranda: | ||
| Average total assets | $1,170,885,600 | 677 |
| Average earning assets | $1,054,468,000 | 688 |
| Average equity | $128,080,400 | 715 |
| Average total loans | $856,075,800 | 673 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,165 |
| Cost of funding earning assets | 0.9028% | 2,221 |
| Net interest margin | 3.8830% | 2,319 |
| Noninterest income to average assets | 1.1647% | 672 |
| Noninterest expense to average assets | 3.1078% | 1,699 |
| Loan and lease loss provision to assets | 0.1061% | 1,824 |
| Net operating income to assets | 1.1237% | 2,479 |
| Return on assets (ROA) | 1.1494% | 2,458 |
| Pretax return on assets | 1.4898% | 1,986 |
| Return on Equity (ROE) | 10.6887% | 2,143 |
| Retained earnings to average equity (ytd only) | -15.3205% | 5,181 |
| Net charge-offs to loans | 0.0082% | 3,079 |
| Credit loss provision to net charge-offs | 1,750.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 257.9675% | 358 |
| Efficiency ratio | 65.5123% | 2,795 |
| Assets per employee ($millions) | 4.8233% | 2,766 |
| Cash dividends to net income (ytd only)* | 243.3336% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,646 |
| Loan loss allowance to noncurrent loans | 94.4611% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 1,753 |
| Noncurrent loans to loans | 1.0449% | 1,534 |
| Net loans and leases to total assets | 72.1502% | 2,156 |
| Net loans and leases to deposits | 83.0652% | 2,558 |
| Net loans and leases to core deposits | 89.1121% | 2,624 |
| Total domestic deposits to total assets | 86.8597% | 1,592 |
| Equity capital to assets | 11.6019% | 2,596 |
| Core capital (leverage) ratio | 9.7793% | 3,879 |
| Tier 1 risk-based capital ratio | 12.8160% | 3,948 |
| Total risk-based capital ratio | 13.7717% | 4,008 |
| Memoranda: | ||
| Average total assets | $1,144,070,000 | 695 |
| Average earning assets | $1,033,097,250 | 704 |
| Average equity | $123,030,500 | 739 |
| Average total loans | $843,984,750 | 688 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 2,208 |
| Cost of funding earning assets | 0.8975% | 2,157 |
| Net interest margin | 3.8578% | 2,380 |
| Noninterest income to average assets | 1.1263% | 666 |
| Noninterest expense to average assets | 3.0613% | 1,835 |
| Loan and lease loss provision to assets | 0.1230% | 1,519 |
| Net operating income to assets | 1.1065% | 2,498 |
| Return on assets (ROA) | 1.1383% | 2,451 |
| Pretax return on assets | 1.4825% | 1,914 |
| Return on Equity (ROE) | 10.9167% | 2,013 |
| Retained earnings to average equity (ytd only) | -25.6697% | 5,262 |
| Net charge-offs to loans | -0.1032% | 5,004 |
| Credit loss provision to net charge-offs | -160.8076% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2165% | 2,942 |
| Assets per employee ($millions) | 4.9393% | 2,550 |
| Cash dividends to net income (ytd only)* | 335.1420% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,505 |
| Loan loss allowance to noncurrent loans | 100.0745% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 1,800 |
| Noncurrent loans to loans | 1.0181% | 1,611 |
| Net loans and leases to total assets | 71.3689% | 2,313 |
| Net loans and leases to deposits | 82.4515% | 2,680 |
| Net loans and leases to core deposits | 87.7909% | 2,819 |
| Total domestic deposits to total assets | 86.5586% | 1,794 |
| Equity capital to assets | 11.4786% | 2,619 |
| Core capital (leverage) ratio | 9.5461% | 4,108 |
| Tier 1 risk-based capital ratio | 12.7514% | 3,976 |
| Total risk-based capital ratio | 13.7324% | 4,023 |
| Memoranda: | ||
| Average total assets | $1,100,980,330 | 723 |
| Average earning assets | $998,973,330 | 725 |
| Average equity | $114,796,670 | 785 |
| Average total loans | $816,021,330 | 704 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 3,057 |
| Cost of funding earning assets | 0.8357% | 2,348 |
| Net interest margin | 3.6109% | 3,213 |
| Noninterest income to average assets | 1.0006% | 807 |
| Noninterest expense to average assets | 2.8028% | 2,560 |
| Loan and lease loss provision to assets | 0.1838% | 895 |
| Net operating income to assets | 1.0252% | 2,761 |
| Return on assets (ROA) | 1.0464% | 2,712 |
| Pretax return on assets | 1.3477% | 2,268 |
| Return on Equity (ROE) | 10.7195% | 2,076 |
| Retained earnings to average equity (ytd only) | -74.3240% | 5,344 |
| Net charge-offs to loans | -0.3099% | 5,220 |
| Credit loss provision to net charge-offs | -78.6802% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3722% | 3,178 |
| Assets per employee ($millions) | 4.9688% | 2,562 |
| Cash dividends to net income (ytd only)* | 793.3510% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,414 |
| Loan loss allowance to noncurrent loans | 100.8407% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,503 |
| Noncurrent loans to loans | 1.2227% | 1,346 |
| Net loans and leases to total assets | 71.4850% | 2,256 |
| Net loans and leases to deposits | 80.9662% | 2,734 |
| Net loans and leases to core deposits | 85.8742% | 2,877 |
| Total domestic deposits to total assets | 88.2899% | 1,197 |
| Equity capital to assets | 8.5952% | 4,930 |
| Core capital (leverage) ratio | 8.5269% | 4,993 |
| Tier 1 risk-based capital ratio | 11.2023% | 4,878 |
| Total risk-based capital ratio | 12.4212% | 4,807 |
| Memoranda: | ||
| Average total assets | $1,011,829,000 | 778 |
| Average earning assets | $926,627,000 | 778 |
| Average equity | $98,773,000 | 903 |
| Average total loans | $762,828,000 | 755 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 2,865 |
| Cost of funding earning assets | 0.5475% | 3,064 |
| Net interest margin | 3.8216% | 2,587 |
| Noninterest income to average assets | 1.0050% | 932 |
| Noninterest expense to average assets | 2.9309% | 2,239 |
| Loan and lease loss provision to assets | 0.1739% | 1,143 |
| Net operating income to assets | 1.1044% | 2,575 |
| Return on assets (ROA) | 1.1082% | 2,563 |
| Pretax return on assets | 1.4051% | 2,120 |
| Return on Equity (ROE) | 10.2305% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.4567% | 1,948 |
| Net charge-offs to loans | 0.0534% | 2,389 |
| Credit loss provision to net charge-offs | 412.7764% | 804 |
| Earnings coverage of net charge-offs (x) | 37.3686% | 1,383 |
| Efficiency ratio | 64.3609% | 3,134 |
| Assets per employee ($millions) | 4.6886% | 2,896 |
| Cash dividends to net income (ytd only)* | 36.8883% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,209 |
| Loan loss allowance to noncurrent loans | 78.5464% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 1,164 |
| Noncurrent loans to loans | 1.3780% | 1,132 |
| Net loans and leases to total assets | 77.7797% | 1,306 |
| Net loans and leases to deposits | 91.4602% | 1,606 |
| Net loans and leases to core deposits | 97.2620% | 1,948 |
| Total domestic deposits to total assets | 85.0422% | 2,632 |
| Equity capital to assets | 11.0160% | 2,675 |
| Core capital (leverage) ratio | 10.7421% | 2,797 |
| Tier 1 risk-based capital ratio | 13.4897% | 3,553 |
| Total risk-based capital ratio | 14.5640% | 3,537 |
| Memoranda: | ||
| Average total assets | $966,211,600 | 794 |
| Average earning assets | $884,919,000 | 797 |
| Average equity | $104,667,000 | 816 |
| Average total loans | $761,735,000 | 730 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,928 |
| Cost of funding earning assets | 0.5045% | 3,170 |
| Net interest margin | 3.8054% | 2,627 |
| Noninterest income to average assets | 0.9974% | 967 |
| Noninterest expense to average assets | 2.8980% | 2,309 |
| Loan and lease loss provision to assets | 0.1793% | 1,011 |
| Net operating income to assets | 1.0907% | 2,705 |
| Return on assets (ROA) | 1.0959% | 2,703 |
| Pretax return on assets | 1.4104% | 2,192 |
| Return on Equity (ROE) | 10.1598% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.4287% | 1,458 |
| Net charge-offs to loans | 0.0386% | 2,307 |
| Credit loss provision to net charge-offs | 589.0909% | 610 |
| Earnings coverage of net charge-offs (x) | 52.0266% | 1,148 |
| Efficiency ratio | 63.9669% | 3,193 |
| Assets per employee ($millions) | 4.7750% | 2,759 |
| Cash dividends to net income (ytd only)* | 17.0390% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,488 |
| Loan loss allowance to noncurrent loans | 84.0212% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 1,386 |
| Noncurrent loans to loans | 1.2460% | 1,349 |
| Net loans and leases to total assets | 78.6237% | 1,230 |
| Net loans and leases to deposits | 92.0618% | 1,615 |
| Net loans and leases to core deposits | 97.8025% | 1,951 |
| Total domestic deposits to total assets | 85.4031% | 2,457 |
| Equity capital to assets | 10.9156% | 2,737 |
| Core capital (leverage) ratio | 10.7253% | 2,863 |
| Tier 1 risk-based capital ratio | 13.5701% | 3,590 |
| Total risk-based capital ratio | 14.6281% | 3,618 |
| Memoranda: | ||
| Average total assets | $963,955,750 | 795 |
| Average earning assets | $882,485,750 | 798 |
| Average equity | $103,975,750 | 820 |
| Average total loans | $760,460,000 | 731 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 2,965 |
| Cost of funding earning assets | 0.4679% | 3,239 |
| Net interest margin | 3.7764% | 2,648 |
| Noninterest income to average assets | 0.9499% | 1,053 |
| Noninterest expense to average assets | 2.8668% | 2,443 |
| Loan and lease loss provision to assets | 0.1445% | 1,331 |
| Net operating income to assets | 1.0875% | 2,628 |
| Return on assets (ROA) | 1.0875% | 2,639 |
| Pretax return on assets | 1.4000% | 2,144 |
| Return on Equity (ROE) | 10.1229% | 2,510 |
| Retained earnings to average equity (ytd only) | 10.1229% | 897 |
| Net charge-offs to loans | 0.0574% | 1,785 |
| Credit loss provision to net charge-offs | 319.8157% | 963 |
| Earnings coverage of net charge-offs (x) | 34.1843% | 1,403 |
| Efficiency ratio | 64.2705% | 3,279 |
| Assets per employee ($millions) | 4.6906% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,906 |
| Loan loss allowance to noncurrent loans | 81.9930% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 1,482 |
| Noncurrent loans to loans | 1.2088% | 1,443 |
| Net loans and leases to total assets | 77.9588% | 1,322 |
| Net loans and leases to deposits | 88.6467% | 2,025 |
| Net loans and leases to core deposits | 93.4228% | 2,274 |
| Total domestic deposits to total assets | 87.9433% | 1,413 |
| Equity capital to assets | 10.9745% | 2,660 |
| Core capital (leverage) ratio | 10.6834% | 2,829 |
| Tier 1 risk-based capital ratio | 13.4384% | 3,649 |
| Total risk-based capital ratio | 14.4387% | 3,710 |
| Memoranda: | ||
| Average total assets | $960,572,670 | 798 |
| Average earning assets | $880,457,330 | 803 |
| Average equity | $103,191,330 | 830 |
| Average total loans | $755,953,330 | 732 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 3,075 |
| Cost of funding earning assets | 0.4534% | 3,182 |
| Net interest margin | 3.6912% | 2,836 |
| Noninterest income to average assets | 0.9166% | 1,107 |
| Noninterest expense to average assets | 2.7973% | 2,699 |
| Loan and lease loss provision to assets | 0.1471% | 1,249 |
| Net operating income to assets | 1.0624% | 2,594 |
| Return on assets (ROA) | 1.0624% | 2,605 |
| Pretax return on assets | 1.3674% | 2,116 |
| Return on Equity (ROE) | 9.9977% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.9977% | 1,154 |
| Net charge-offs to loans | 0.0365% | 1,789 |
| Credit loss provision to net charge-offs | 511.5942% | 573 |
| Earnings coverage of net charge-offs (x) | 52.6812% | 923 |
| Efficiency ratio | 64.1415% | 3,460 |
| Assets per employee ($millions) | 4.6957% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 4,109 |
| Loan loss allowance to noncurrent loans | 79.1234% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 1,505 |
| Noncurrent loans to loans | 1.2282% | 1,478 |
| Net loans and leases to total assets | 77.3953% | 1,326 |
| Net loans and leases to deposits | 87.9359% | 1,937 |
| Net loans and leases to core deposits | 97.7494% | 1,849 |
| Total domestic deposits to total assets | 88.0132% | 1,611 |
| Equity capital to assets | 10.6988% | 2,873 |
| Core capital (leverage) ratio | 10.4525% | 3,005 |
| Tier 1 risk-based capital ratio | 13.0676% | 3,915 |
| Total risk-based capital ratio | 14.0258% | 3,967 |
| Memoranda: | ||
| Average total assets | $960,072,500 | 800 |
| Average earning assets | $883,085,000 | 798 |
| Average equity | $102,023,000 | 838 |
| Average total loans | $755,362,500 | 733 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 3,149 |
| Cost of funding earning assets | 0.4234% | 3,017 |
| Net interest margin | 3.6524% | 2,980 |
| Noninterest income to average assets | 0.8420% | 1,432 |
| Noninterest expense to average assets | 2.8461% | 2,624 |
| Loan and lease loss provision to assets | 0.1552% | 1,451 |
| Net operating income to assets | 0.7042% | 3,586 |
| Return on assets (ROA) | 0.7144% | 3,592 |
| Pretax return on assets | 1.2103% | 2,735 |
| Return on Equity (ROE) | 7.5777% | 3,004 |
| Retained earnings to average equity (ytd only) | 0.8009% | 4,715 |
| Net charge-offs to loans | 0.2049% | 1,264 |
| Credit loss provision to net charge-offs | 96.2042% | 2,680 |
| Earnings coverage of net charge-offs (x) | 8.3645% | 2,921 |
| Efficiency ratio | 67.0677% | 3,069 |
| Assets per employee ($millions) | 4.8360% | 2,690 |
| Cash dividends to net income (ytd only)* | 89.4309% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,334 |
| Loan loss allowance to noncurrent loans | 77.1350% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 1,481 |
| Noncurrent loans to loans | 1.2012% | 1,479 |
| Net loans and leases to total assets | 78.4695% | 1,220 |
| Net loans and leases to deposits | 90.5684% | 1,704 |
| Net loans and leases to core deposits | 100.3273% | 1,687 |
| Total domestic deposits to total assets | 86.6411% | 2,175 |
| Equity capital to assets | 10.5540% | 3,105 |
| Core capital (leverage) ratio | 10.2606% | 3,114 |
| Tier 1 risk-based capital ratio | 12.7293% | 4,075 |
| Total risk-based capital ratio | 13.6480% | 4,177 |
| Memoranda: | ||
| Average total assets | $946,988,000 | 784 |
| Average earning assets | $869,538,600 | 780 |
| Average equity | $89,275,000 | 906 |
| Average total loans | $745,816,400 | 700 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 3,215 |
| Cost of funding earning assets | 0.4163% | 3,028 |
| Net interest margin | 3.6230% | 3,059 |
| Noninterest income to average assets | 0.8584% | 1,402 |
| Noninterest expense to average assets | 2.8463% | 2,574 |
| Loan and lease loss provision to assets | 0.1361% | 1,582 |
| Net operating income to assets | 0.8262% | 3,407 |
| Return on assets (ROA) | 0.8408% | 3,368 |
| Pretax return on assets | 1.2199% | 2,826 |
| Return on Equity (ROE) | 9.1971% | 2,500 |
| Retained earnings to average equity (ytd only) | 3.2510% | 3,990 |
| Net charge-offs to loans | 0.1560% | 1,306 |
| Credit loss provision to net charge-offs | 110.9321% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.8792% | 2,547 |
| Efficiency ratio | 67.3060% | 2,999 |
| Assets per employee ($millions) | 4.8710% | 2,602 |
| Cash dividends to net income (ytd only)* | 64.6516% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,316 |
| Loan loss allowance to noncurrent loans | 66.1629% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 1,317 |
| Noncurrent loans to loans | 1.4372% | 1,299 |
| Net loans and leases to total assets | 78.7384% | 1,158 |
| Net loans and leases to deposits | 89.5893% | 1,857 |
| Net loans and leases to core deposits | 100.1884% | 1,690 |
| Total domestic deposits to total assets | 87.8881% | 1,426 |
| Equity capital to assets | 9.2085% | 4,719 |
| Core capital (leverage) ratio | 8.8531% | 4,920 |
| Tier 1 risk-based capital ratio | 10.9097% | 5,293 |
| Total risk-based capital ratio | 11.8493% | 5,349 |
| Memoranda: | ||
| Average total assets | $944,351,750 | 789 |
| Average earning assets | $866,069,500 | 790 |
| Average equity | $86,329,250 | 945 |
| Average total loans | $742,671,000 | 704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,168 |
| Cost of funding earning assets | 0.4110% | 2,966 |
| Net interest margin | 3.6007% | 3,039 |
| Noninterest income to average assets | 0.8214% | 1,493 |
| Noninterest expense to average assets | 2.8046% | 2,741 |
| Loan and lease loss provision to assets | 0.1101% | 1,854 |
| Net operating income to assets | 0.8041% | 3,380 |
| Return on assets (ROA) | 0.8254% | 3,324 |
| Pretax return on assets | 1.2367% | 2,631 |
| Return on Equity (ROE) | 9.0517% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.4921% | 1,849 |
| Net charge-offs to loans | 0.1484% | 1,261 |
| Credit loss provision to net charge-offs | 94.7080% | 2,095 |
| Earnings coverage of net charge-offs (x) | 11.3084% | 2,284 |
| Efficiency ratio | 67.2968% | 3,132 |
| Assets per employee ($millions) | 4.8708% | 2,554 |
| Cash dividends to net income (ytd only)* | 28.2776% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,426 |
| Loan loss allowance to noncurrent loans | 64.0407% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 1,284 |
| Noncurrent loans to loans | 1.4815% | 1,273 |
| Net loans and leases to total assets | 77.9584% | 1,255 |
| Net loans and leases to deposits | 87.5537% | 2,040 |
| Net loans and leases to core deposits | 97.9860% | 1,811 |
| Total domestic deposits to total assets | 89.0406% | 934 |
| Equity capital to assets | 9.3027% | 4,620 |
| Core capital (leverage) ratio | 8.9599% | 4,766 |
| Tier 1 risk-based capital ratio | 11.1879% | 5,147 |
| Total risk-based capital ratio | 12.1249% | 5,233 |
| Memoranda: | ||
| Average total assets | $942,523,000 | 797 |
| Average earning assets | $863,327,670 | 795 |
| Average equity | $85,950,330 | 953 |
| Average total loans | $738,539,000 | 711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,154 |
| Cost of funding earning assets | 0.4056% | 2,940 |
| Net interest margin | 3.5596% | 3,045 |
| Noninterest income to average assets | 0.7968% | 1,565 |
| Noninterest expense to average assets | 2.7876% | 2,836 |
| Loan and lease loss provision to assets | 0.1402% | 1,351 |
| Net operating income to assets | 0.7600% | 3,428 |
| Return on assets (ROA) | 0.7968% | 3,290 |
| Pretax return on assets | 1.1902% | 2,632 |
| Return on Equity (ROE) | 8.8263% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.9433% | 1,873 |
| Net charge-offs to loans | 0.1261% | 1,165 |
| Credit loss provision to net charge-offs | 142.2414% | 1,252 |
| Earnings coverage of net charge-offs (x) | 12.9397% | 1,817 |
| Efficiency ratio | 67.8101% | 3,231 |
| Assets per employee ($millions) | 4.7986% | 2,697 |
| Cash dividends to net income (ytd only)* | 21.3333% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,418 |
| Loan loss allowance to noncurrent loans | 63.0696% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3218% | 1,284 |
| Noncurrent loans to loans | 1.5460% | 1,273 |
| Net loans and leases to total assets | 76.3914% | 1,348 |
| Net loans and leases to deposits | 84.8557% | 2,178 |
| Net loans and leases to core deposits | 95.6561% | 1,842 |
| Total domestic deposits to total assets | 90.0250% | 652 |
| Equity capital to assets | 9.0077% | 4,798 |
| Core capital (leverage) ratio | 8.8134% | 4,942 |
| Tier 1 risk-based capital ratio | 10.9679% | 5,328 |
| Total risk-based capital ratio | 11.9191% | 5,391 |
| Memoranda: | ||
| Average total assets | $941,321,000 | 800 |
| Average earning assets | $863,804,000 | 805 |
| Average equity | $84,973,500 | 960 |
| Average total loans | $735,955,500 | 716 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 2,914 |
| Cost of funding earning assets | 0.4289% | 2,716 |
| Net interest margin | 3.6567% | 2,867 |
| Noninterest income to average assets | 0.8445% | 1,598 |
| Noninterest expense to average assets | 2.8478% | 2,852 |
| Loan and lease loss provision to assets | 0.1189% | 2,083 |
| Net operating income to assets | 0.8020% | 3,295 |
| Return on assets (ROA) | 0.8076% | 3,379 |
| Pretax return on assets | 1.2265% | 2,570 |
| Return on Equity (ROE) | 8.8387% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.0617% | 3,028 |
| Net charge-offs to loans | 0.1467% | 1,799 |
| Credit loss provision to net charge-offs | 103.3175% | 2,505 |
| Earnings coverage of net charge-offs (x) | 11.6133% | 2,522 |
| Efficiency ratio | 67.3838% | 3,370 |
| Assets per employee ($millions) | 4.6155% | 2,935 |
| Cash dividends to net income (ytd only)* | 54.0468% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,506 |
| Loan loss allowance to noncurrent loans | 56.5082% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 1,134 |
| Noncurrent loans to loans | 1.7053% | 1,134 |
| Net loans and leases to total assets | 78.4897% | 1,128 |
| Net loans and leases to deposits | 87.4415% | 1,996 |
| Net loans and leases to core deposits | 98.6557% | 1,727 |
| Total domestic deposits to total assets | 89.7626% | 741 |
| Equity capital to assets | 9.0470% | 4,767 |
| Core capital (leverage) ratio | 8.8338% | 4,926 |
| Tier 1 risk-based capital ratio | 10.8118% | 5,430 |
| Total risk-based capital ratio | 11.7522% | 5,505 |
| Memoranda: | ||
| Average total assets | $916,403,800 | 784 |
| Average earning assets | $837,098,000 | 788 |
| Average equity | $83,734,000 | 953 |
| Average total loans | $719,237,400 | 704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,885 |
| Cost of funding earning assets | 0.4314% | 2,723 |
| Net interest margin | 3.6667% | 2,838 |
| Noninterest income to average assets | 0.8438% | 1,597 |
| Noninterest expense to average assets | 2.8653% | 2,765 |
| Loan and lease loss provision to assets | 0.1255% | 1,859 |
| Net operating income to assets | 0.7896% | 3,412 |
| Return on assets (ROA) | 0.7951% | 3,529 |
| Pretax return on assets | 1.2071% | 2,805 |
| Return on Equity (ROE) | 8.6800% | 2,674 |
| Retained earnings to average equity (ytd only) | 5.6528% | 2,400 |
| Net charge-offs to loans | 0.0789% | 2,193 |
| Credit loss provision to net charge-offs | 203.3097% | 1,425 |
| Earnings coverage of net charge-offs (x) | 21.4514% | 1,819 |
| Efficiency ratio | 67.7640% | 3,269 |
| Assets per employee ($millions) | 4.6641% | 2,812 |
| Cash dividends to net income (ytd only)* | 34.8752% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 4,269 |
| Loan loss allowance to noncurrent loans | 60.1752% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 1,229 |
| Noncurrent loans to loans | 1.7064% | 1,229 |
| Net loans and leases to total assets | 78.1447% | 1,169 |
| Net loans and leases to deposits | 87.3055% | 2,104 |
| Net loans and leases to core deposits | 97.2538% | 1,885 |
| Total domestic deposits to total assets | 89.5072% | 670 |
| Equity capital to assets | 9.2287% | 4,947 |
| Core capital (leverage) ratio | 8.9105% | 4,929 |
| Tier 1 risk-based capital ratio | 10.9285% | 5,402 |
| Total risk-based capital ratio | 11.9323% | 5,445 |
| Memoranda: | ||
| Average total assets | $913,573,500 | 789 |
| Average earning assets | $833,602,500 | 790 |
| Average equity | $83,684,750 | 960 |
| Average total loans | $715,233,250 | 704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,487 |
| Cost of funding earning assets | 0.4341% | 2,703 |
| Net interest margin | 3.7742% | 2,427 |
| Noninterest income to average assets | 0.7613% | 1,884 |
| Noninterest expense to average assets | 2.8770% | 2,754 |
| Loan and lease loss provision to assets | 0.1375% | 1,647 |
| Net operating income to assets | 0.7866% | 3,377 |
| Return on assets (ROA) | 0.7925% | 3,488 |
| Pretax return on assets | 1.2003% | 2,781 |
| Return on Equity (ROE) | 8.6737% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.6737% | 944 |
| Net charge-offs to loans | 0.0808% | 2,042 |
| Credit loss provision to net charge-offs | 218.1185% | 1,226 |
| Earnings coverage of net charge-offs (x) | 21.0732% | 1,699 |
| Efficiency ratio | 67.7986% | 3,382 |
| Assets per employee ($millions) | 4.6225% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,279 |
| Loan loss allowance to noncurrent loans | 57.8486% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 1,190 |
| Noncurrent loans to loans | 1.7986% | 1,149 |
| Net loans and leases to total assets | 76.7860% | 1,369 |
| Net loans and leases to deposits | 85.7229% | 2,282 |
| Net loans and leases to core deposits | 95.2988% | 2,042 |
| Total domestic deposits to total assets | 89.5747% | 647 |
| Equity capital to assets | 9.2543% | 5,020 |
| Core capital (leverage) ratio | 8.8979% | 4,941 |
| Tier 1 risk-based capital ratio | 11.1318% | 5,345 |
| Total risk-based capital ratio | 12.1501% | 5,398 |
| Memoranda: | ||
| Average total assets | $910,267,670 | 794 |
| Average earning assets | $830,748,330 | 794 |
| Average equity | $83,171,000 | 961 |
| Average total loans | $710,595,670 | 703 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,488 |
| Cost of funding earning assets | 0.4362% | 2,713 |
| Net interest margin | 3.7599% | 2,436 |
| Noninterest income to average assets | 0.7442% | 1,842 |
| Noninterest expense to average assets | 2.8179% | 3,007 |
| Loan and lease loss provision to assets | 0.1353% | 1,559 |
| Net operating income to assets | 0.8134% | 3,174 |
| Return on assets (ROA) | 0.8227% | 3,261 |
| Pretax return on assets | 1.2466% | 2,519 |
| Return on Equity (ROE) | 9.0624% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.0624% | 1,100 |
| Net charge-offs to loans | 0.0101% | 2,786 |
| Credit loss provision to net charge-offs | 1,705.5556% | 239 |
| Earnings coverage of net charge-offs (x) | 172.4444% | 354 |
| Efficiency ratio | 66.7123% | 3,685 |
| Assets per employee ($millions) | 4.7387% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,405 |
| Loan loss allowance to noncurrent loans | 55.3094% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 1,161 |
| Noncurrent loans to loans | 1.8746% | 1,179 |
| Net loans and leases to total assets | 76.5949% | 1,306 |
| Net loans and leases to deposits | 85.3295% | 2,146 |
| Net loans and leases to core deposits | 95.0365% | 1,887 |
| Total domestic deposits to total assets | 89.7637% | 701 |
| Equity capital to assets | 9.1084% | 5,075 |
| Core capital (leverage) ratio | 8.7520% | 5,125 |
| Tier 1 risk-based capital ratio | 10.9726% | 5,519 |
| Total risk-based capital ratio | 11.9859% | 5,553 |
| Memoranda: | ||
| Average total assets | $907,775,000 | 798 |
| Average earning assets | $830,876,000 | 799 |
| Average equity | $82,406,500 | 969 |
| Average total loans | $710,806,000 | 699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 2,547 |
| Cost of funding earning assets | 0.4538% | 2,591 |
| Net interest margin | 3.7493% | 2,557 |
| Noninterest income to average assets | 0.7240% | 2,095 |
| Noninterest expense to average assets | 2.8931% | 2,880 |
| Loan and lease loss provision to assets | 0.1520% | 1,548 |
| Net operating income to assets | 0.7448% | 3,597 |
| Return on assets (ROA) | 0.7448% | 3,694 |
| Pretax return on assets | 1.1295% | 2,924 |
| Return on Equity (ROE) | 7.9826% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.9826% | 925 |
| Net charge-offs to loans | 0.5970% | 404 |
| Credit loss provision to net charge-offs | 32.3413% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.7264% | 3,840 |
| Efficiency ratio | 69.0736% | 3,385 |
| Assets per employee ($millions) | 4.5969% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,685 |
| Loan loss allowance to noncurrent loans | 52.6080% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7242% | 1,119 |
| Noncurrent loans to loans | 1.8775% | 1,144 |
| Net loans and leases to total assets | 78.4378% | 1,067 |
| Net loans and leases to deposits | 87.8153% | 1,898 |
| Net loans and leases to core deposits | 97.6302% | 1,702 |
| Total domestic deposits to total assets | 89.3213% | 951 |
| Equity capital to assets | 9.0468% | 5,082 |
| Core capital (leverage) ratio | 8.6378% | 5,293 |
| Tier 1 risk-based capital ratio | 10.6552% | 5,699 |
| Total risk-based capital ratio | 11.6144% | 5,758 |
| Memoranda: | ||
| Average total assets | $807,770,200 | 859 |
| Average earning assets | $743,453,000 | 856 |
| Average equity | $75,364,000 | 1,015 |
| Average total loans | $635,983,400 | 737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,803 |
| Cost of funding earning assets | 0.4533% | 2,650 |
| Net interest margin | 3.6786% | 2,855 |
| Noninterest income to average assets | 0.6916% | 2,273 |
| Noninterest expense to average assets | 2.8411% | 3,035 |
| Loan and lease loss provision to assets | 0.0767% | 2,657 |
| Net operating income to assets | 0.7641% | 3,618 |
| Return on assets (ROA) | 0.7635% | 3,716 |
| Pretax return on assets | 1.1588% | 2,982 |
| Return on Equity (ROE) | 8.1124% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.1124% | 1,207 |
| Net charge-offs to loans | 0.2948% | 905 |
| Credit loss provision to net charge-offs | 33.0888% | 3,245 |
| Earnings coverage of net charge-offs (x) | 5.3375% | 3,219 |
| Efficiency ratio | 69.5969% | 3,268 |
| Assets per employee ($millions) | 4.6435% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 3,420 |
| Loan loss allowance to noncurrent loans | 48.6343% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.1224% | 929 |
| Noncurrent loans to loans | 2.5544% | 790 |
| Net loans and leases to total assets | 75.2830% | 1,497 |
| Net loans and leases to deposits | 84.2615% | 2,380 |
| Net loans and leases to core deposits | 96.4949% | 1,841 |
| Total domestic deposits to total assets | 89.3446% | 844 |
| Equity capital to assets | 8.8065% | 5,484 |
| Core capital (leverage) ratio | 9.7087% | 4,025 |
| Tier 1 risk-based capital ratio | 10.4974% | 5,880 |
| Total risk-based capital ratio | 11.6792% | 5,844 |
| Memoranda: | ||
| Average total assets | $784,465,750 | 884 |
| Average earning assets | $722,060,250 | 888 |
| Average equity | $73,827,250 | 1,041 |
| Average total loans | $616,538,000 | 769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,429 |
| Cost of funding earning assets | 0.4728% | 2,488 |
| Net interest margin | 3.7568% | 2,492 |
| Noninterest income to average assets | 0.6499% | 2,477 |
| Noninterest expense to average assets | 2.9023% | 2,885 |
| Loan and lease loss provision to assets | 0.0219% | 3,692 |
| Net operating income to assets | 0.7895% | 3,439 |
| Return on assets (ROA) | 0.7895% | 3,537 |
| Pretax return on assets | 1.1903% | 2,815 |
| Return on Equity (ROE) | 8.1711% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.1711% | 1,200 |
| Net charge-offs to loans | 0.1937% | 1,292 |
| Credit loss provision to net charge-offs | 14.2105% | 3,074 |
| Earnings coverage of net charge-offs (x) | 7.8632% | 2,617 |
| Efficiency ratio | 70.5384% | 3,253 |
| Assets per employee ($millions) | 4.4509% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 2,206 |
| Loan loss allowance to noncurrent loans | 59.6148% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.2656% | 906 |
| Noncurrent loans to loans | 2.5503% | 867 |
| Net loans and leases to total assets | 80.5264% | 733 |
| Net loans and leases to deposits | 91.3925% | 1,439 |
| Net loans and leases to core deposits | 103.9238% | 1,196 |
| Total domestic deposits to total assets | 88.1105% | 1,589 |
| Equity capital to assets | 9.9036% | 4,153 |
| Core capital (leverage) ratio | 9.8154% | 3,841 |
| Tier 1 risk-based capital ratio | 11.8170% | 5,269 |
| Total risk-based capital ratio | 13.0701% | 5,168 |
| Memoranda: | ||
| Average total assets | $739,482,000 | 941 |
| Average earning assets | $681,956,670 | 944 |
| Average equity | $71,447,000 | 1,073 |
| Average total loans | $588,426,670 | 798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,571 |
| Cost of funding earning assets | 0.4714% | 2,552 |
| Net interest margin | 3.6970% | 2,626 |
| Noninterest income to average assets | 0.6350% | 2,473 |
| Noninterest expense to average assets | 2.8204% | 3,177 |
| Loan and lease loss provision to assets | 0.0367% | 3,166 |
| Net operating income to assets | 0.8135% | 3,197 |
| Return on assets (ROA) | 0.8135% | 3,320 |
| Pretax return on assets | 1.1897% | 2,713 |
| Return on Equity (ROE) | 8.5249% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.5249% | 1,366 |
| Net charge-offs to loans | 0.1305% | 1,466 |
| Credit loss provision to net charge-offs | 35.7895% | 2,219 |
| Earnings coverage of net charge-offs (x) | 11.9737% | 1,826 |
| Efficiency ratio | 69.6950% | 3,543 |
| Assets per employee ($millions) | 4.6294% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,941 |
| Loan loss allowance to noncurrent loans | 60.3828% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 956 |
| Noncurrent loans to loans | 2.7023% | 870 |
| Net loans and leases to total assets | 77.2943% | 1,019 |
| Net loans and leases to deposits | 86.9401% | 1,729 |
| Net loans and leases to core deposits | 99.3717% | 1,369 |
| Total domestic deposits to total assets | 88.9052% | 1,333 |
| Equity capital to assets | 9.6753% | 4,541 |
| Core capital (leverage) ratio | 9.6082% | 4,138 |
| Tier 1 risk-based capital ratio | 11.8024% | 5,369 |
| Total risk-based capital ratio | 13.0564% | 5,262 |
| Memoranda: | ||
| Average total assets | $742,021,500 | 934 |
| Average earning assets | $684,770,000 | 937 |
| Average equity | $70,804,500 | 1,088 |
| Average total loans | $582,381,000 | 804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,139 |
| Cost of funding earning assets | 0.4913% | 2,759 |
| Net interest margin | 3.9343% | 2,103 |
| Noninterest income to average assets | 1.1205% | 970 |
| Noninterest expense to average assets | 3.0370% | 2,733 |
| Loan and lease loss provision to assets | 0.4386% | 380 |
| Net operating income to assets | 0.8410% | 3,168 |
| Return on assets (ROA) | 0.8394% | 3,269 |
| Pretax return on assets | 1.2544% | 2,420 |
| Return on Equity (ROE) | 8.6537% | 2,757 |
| Retained earnings to average equity (ytd only) | 1.4603% | 5,110 |
| Net charge-offs to loans | 0.3394% | 1,291 |
| Credit loss provision to net charge-offs | 166.4725% | 1,473 |
| Earnings coverage of net charge-offs (x) | 6.4354% | 3,198 |
| Efficiency ratio | 64.1741% | 4,564 |
| Assets per employee ($millions) | 4.6751% | 2,764 |
| Cash dividends to net income (ytd only)* | 83.1255% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,925 |
| Loan loss allowance to noncurrent loans | 73.0705% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.9428% | 1,325 |
| Noncurrent loans to loans | 2.2590% | 1,160 |
| Net loans and leases to total assets | 77.1013% | 1,119 |
| Net loans and leases to deposits | 86.3425% | 1,939 |
| Net loans and leases to core deposits | 99.1612% | 1,452 |
| Total domestic deposits to total assets | 89.2970% | 1,073 |
| Equity capital to assets | 9.4094% | 4,826 |
| Core capital (leverage) ratio | 9.5035% | 4,230 |
| Tier 1 risk-based capital ratio | 11.8985% | 5,428 |
| Total risk-based capital ratio | 13.1535% | 5,335 |
| Memoranda: | ||
| Average total assets | $716,621,600 | 940 |
| Average earning assets | $657,912,000 | 938 |
| Average equity | $69,508,000 | 1,059 |
| Average total loans | $556,244,600 | 797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 2,021 |
| Cost of funding earning assets | 0.4942% | 2,823 |
| Net interest margin | 3.9639% | 1,981 |
| Noninterest income to average assets | 0.8562% | 1,674 |
| Noninterest expense to average assets | 2.9955% | 2,810 |
| Loan and lease loss provision to assets | 0.2214% | 1,031 |
| Net operating income to assets | 0.8543% | 3,149 |
| Return on assets (ROA) | 0.8560% | 3,240 |
| Pretax return on assets | 1.2737% | 2,484 |
| Return on Equity (ROE) | 8.7569% | 2,808 |
| Retained earnings to average equity (ytd only) | -0.8492% | 5,943 |
| Net charge-offs to loans | 0.3088% | 1,286 |
| Credit loss provision to net charge-offs | 92.6159% | 2,384 |
| Earnings coverage of net charge-offs (x) | 6.2427% | 3,118 |
| Efficiency ratio | 66.7448% | 4,088 |
| Assets per employee ($millions) | 4.4325% | 3,083 |
| Cash dividends to net income (ytd only)* | 109.6973% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 3,031 |
| Loan loss allowance to noncurrent loans | 61.6474% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 1,349 |
| Noncurrent loans to loans | 2.3207% | 1,290 |
| Net loans and leases to total assets | 79.8441% | 730 |
| Net loans and leases to deposits | 90.9852% | 1,332 |
| Net loans and leases to core deposits | 101.2033% | 1,273 |
| Total domestic deposits to total assets | 87.7551% | 1,896 |
| Equity capital to assets | 9.5772% | 4,700 |
| Core capital (leverage) ratio | 9.5329% | 4,325 |
| Tier 1 risk-based capital ratio | 11.6759% | 5,682 |
| Total risk-based capital ratio | 12.9125% | 5,614 |
| Memoranda: | ||
| Average total assets | $709,941,250 | 953 |
| Average earning assets | $650,448,750 | 957 |
| Average equity | $69,399,000 | 1,062 |
| Average total loans | $549,619,250 | 800 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 2,096 |
| Cost of funding earning assets | 0.4924% | 2,908 |
| Net interest margin | 3.9303% | 2,040 |
| Noninterest income to average assets | 0.7086% | 2,237 |
| Noninterest expense to average assets | 2.9422% | 3,030 |
| Loan and lease loss provision to assets | 0.1027% | 2,304 |
| Net operating income to assets | 0.8494% | 3,075 |
| Return on assets (ROA) | 0.8506% | 3,171 |
| Pretax return on assets | 1.2651% | 2,393 |
| Return on Equity (ROE) | 8.6423% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.6423% | 1,099 |
| Net charge-offs to loans | 0.2725% | 1,454 |
| Credit loss provision to net charge-offs | 49.4565% | 2,803 |
| Earnings coverage of net charge-offs (x) | 6.5774% | 2,751 |
| Efficiency ratio | 68.2911% | 3,950 |
| Assets per employee ($millions) | 4.5125% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 3,150 |
| Loan loss allowance to noncurrent loans | 126.5558% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 2,848 |
| Noncurrent loans to loans | 1.1373% | 2,955 |
| Net loans and leases to total assets | 77.2454% | 1,017 |
| Net loans and leases to deposits | 88.2437% | 1,565 |
| Net loans and leases to core deposits | 96.2703% | 1,582 |
| Total domestic deposits to total assets | 87.5365% | 2,182 |
| Equity capital to assets | 10.1570% | 3,895 |
| Core capital (leverage) ratio | 9.9863% | 3,633 |
| Tier 1 risk-based capital ratio | 12.7979% | 5,036 |
| Total risk-based capital ratio | 14.0193% | 4,994 |
| Memoranda: | ||
| Average total assets | $708,710,330 | 952 |
| Average earning assets | $649,116,000 | 957 |
| Average equity | $69,750,000 | 1,045 |
| Average total loans | $540,137,330 | 809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,228 |
| Cost of funding earning assets | 0.4911% | 3,000 |
| Net interest margin | 3.8884% | 2,127 |
| Noninterest income to average assets | 0.7381% | 1,999 |
| Noninterest expense to average assets | 2.8814% | 3,278 |
| Loan and lease loss provision to assets | 0.1439% | 1,697 |
| Net operating income to assets | 0.8602% | 2,853 |
| Return on assets (ROA) | 0.8617% | 2,910 |
| Pretax return on assets | 1.2765% | 2,191 |
| Return on Equity (ROE) | 8.8979% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.8979% | 1,280 |
| Net charge-offs to loans | 0.0473% | 2,726 |
| Credit loss provision to net charge-offs | 404.7619% | 647 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 879 |
| Efficiency ratio | 67.0167% | 4,360 |
| Assets per employee ($millions) | 4.5122% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,684 |
| Loan loss allowance to noncurrent loans | 126.4371% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 2,974 |
| Noncurrent loans to loans | 1.2686% | 2,910 |
| Net loans and leases to total assets | 74.5650% | 1,177 |
| Net loans and leases to deposits | 85.4578% | 1,667 |
| Net loans and leases to core deposits | 91.4042% | 1,786 |
| Total domestic deposits to total assets | 87.2536% | 2,663 |
| Equity capital to assets | 9.9031% | 3,957 |
| Core capital (leverage) ratio | 9.8436% | 3,796 |
| Tier 1 risk-based capital ratio | 12.6969% | 5,188 |
| Total risk-based capital ratio | 13.9099% | 5,150 |
| Memoranda: | ||
| Average total assets | $708,831,000 | 956 |
| Average earning assets | $649,216,000 | 959 |
| Average equity | $68,645,500 | 1,065 |
| Average total loans | $532,580,000 | 824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 2,188 |
| Cost of funding earning assets | 0.6609% | 2,113 |
| Net interest margin | 3.8426% | 2,490 |
| Noninterest income to average assets | 0.7227% | 2,421 |
| Noninterest expense to average assets | 2.9026% | 3,365 |
| Loan and lease loss provision to assets | 0.1305% | 2,681 |
| Net operating income to assets | 0.8196% | 3,190 |
| Return on assets (ROA) | 0.8268% | 3,237 |
| Pretax return on assets | 1.2383% | 2,423 |
| Return on Equity (ROE) | 8.8586% | 2,614 |
| Retained earnings to average equity (ytd only) | -1.4696% | 6,122 |
| Net charge-offs to loans | 0.4292% | 1,555 |
| Credit loss provision to net charge-offs | 41.9469% | 3,996 |
| Earnings coverage of net charge-offs (x) | 4.3637% | 3,589 |
| Efficiency ratio | 68.1254% | 4,173 |
| Assets per employee ($millions) | 4.5754% | 2,766 |
| Cash dividends to net income (ytd only)* | 116.5889% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 2,868 |
| Loan loss allowance to noncurrent loans | 106.4258% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.4537% | 2,563 |
| Noncurrent loans to loans | 1.4780% | 2,676 |
| Net loans and leases to total assets | 73.3265% | 1,466 |
| Net loans and leases to deposits | 84.1280% | 1,926 |
| Net loans and leases to core deposits | 90.0325% | 2,020 |
| Total domestic deposits to total assets | 87.1607% | 2,640 |
| Equity capital to assets | 9.4686% | 4,475 |
| Core capital (leverage) ratio | 9.4392% | 4,355 |
| Tier 1 risk-based capital ratio | 12.2896% | 5,435 |
| Total risk-based capital ratio | 13.5429% | 5,358 |
| Memoranda: | ||
| Average total assets | $726,164,800 | 915 |
| Average earning assets | $668,604,400 | 903 |
| Average equity | $67,775,600 | 1,054 |
| Average total loans | $526,606,200 | 808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 2,154 |
| Cost of funding earning assets | 0.6997% | 1,947 |
| Net interest margin | 3.8207% | 2,569 |
| Noninterest income to average assets | 0.6858% | 2,696 |
| Noninterest expense to average assets | 2.8470% | 3,499 |
| Loan and lease loss provision to assets | 0.1728% | 2,103 |
| Net operating income to assets | 0.7921% | 3,389 |
| Return on assets (ROA) | 0.8017% | 3,469 |
| Pretax return on assets | 1.2012% | 2,688 |
| Return on Equity (ROE) | 8.6202% | 2,827 |
| Retained earnings to average equity (ytd only) | -2.1919% | 6,286 |
| Net charge-offs to loans | 0.2480% | 2,324 |
| Credit loss provision to net charge-offs | 96.7247% | 2,473 |
| Earnings coverage of net charge-offs (x) | 7.6121% | 2,772 |
| Efficiency ratio | 67.6779% | 4,153 |
| Assets per employee ($millions) | 4.4381% | 2,981 |
| Cash dividends to net income (ytd only)* | 125.4276% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 2,111 |
| Loan loss allowance to noncurrent loans | 97.7300% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 2,257 |
| Noncurrent loans to loans | 1.9037% | 2,366 |
| Net loans and leases to total assets | 70.7568% | 1,828 |
| Net loans and leases to deposits | 81.2814% | 2,232 |
| Net loans and leases to core deposits | 87.0160% | 2,280 |
| Total domestic deposits to total assets | 87.0517% | 2,666 |
| Equity capital to assets | 9.4495% | 4,616 |
| Core capital (leverage) ratio | 9.4745% | 4,447 |
| Tier 1 risk-based capital ratio | 12.7768% | 5,272 |
| Total risk-based capital ratio | 14.0338% | 5,205 |
| Memoranda: | ||
| Average total assets | $729,265,500 | 918 |
| Average earning assets | $672,039,250 | 902 |
| Average equity | $67,823,750 | 1,059 |
| Average total loans | $525,322,500 | 808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,987 |
| Cost of funding earning assets | 0.7534% | 1,682 |
| Net interest margin | 3.8080% | 2,528 |
| Noninterest income to average assets | 0.6767% | 2,759 |
| Noninterest expense to average assets | 2.8290% | 3,575 |
| Loan and lease loss provision to assets | 0.2012% | 1,884 |
| Net operating income to assets | 0.7751% | 3,434 |
| Return on assets (ROA) | 0.7891% | 3,513 |
| Pretax return on assets | 1.1803% | 2,761 |
| Return on Equity (ROE) | 8.5299% | 2,835 |
| Retained earnings to average equity (ytd only) | -7.6978% | 6,600 |
| Net charge-offs to loans | 0.3059% | 1,961 |
| Credit loss provision to net charge-offs | 91.3259% | 2,409 |
| Earnings coverage of net charge-offs (x) | 6.1760% | 2,761 |
| Efficiency ratio | 67.5267% | 4,260 |
| Assets per employee ($millions) | 4.6841% | 2,536 |
| Cash dividends to net income (ytd only)* | 190.2456% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,237 |
| Loan loss allowance to noncurrent loans | 90.4775% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.6849% | 2,584 |
| Noncurrent loans to loans | 2.0539% | 2,332 |
| Net loans and leases to total assets | 70.7897% | 1,749 |
| Net loans and leases to deposits | 80.8292% | 2,207 |
| Net loans and leases to core deposits | 86.4056% | 2,300 |
| Total domestic deposits to total assets | 87.5793% | 2,504 |
| Equity capital to assets | 9.2193% | 4,960 |
| Core capital (leverage) ratio | 9.0833% | 4,853 |
| Tier 1 risk-based capital ratio | 12.7010% | 5,353 |
| Total risk-based capital ratio | 13.9401% | 5,302 |
| Memoranda: | ||
| Average total assets | $732,698,000 | 915 |
| Average earning assets | $675,895,330 | 897 |
| Average equity | $67,785,330 | 1,066 |
| Average total loans | $527,642,330 | 788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,843 |
| Cost of funding earning assets | 0.7910% | 1,578 |
| Net interest margin | 3.8020% | 2,443 |
| Noninterest income to average assets | 0.6043% | 3,110 |
| Noninterest expense to average assets | 2.8216% | 3,625 |
| Loan and lease loss provision to assets | 0.1701% | 2,158 |
| Net operating income to assets | 0.7615% | 3,372 |
| Return on assets (ROA) | 0.7776% | 3,428 |
| Pretax return on assets | 1.1508% | 2,762 |
| Return on Equity (ROE) | 8.3913% | 2,778 |
| Retained earnings to average equity (ytd only) | -23.6588% | 6,865 |
| Net charge-offs to loans | 0.2672% | 1,888 |
| Credit loss provision to net charge-offs | 88.4831% | 2,046 |
| Earnings coverage of net charge-offs (x) | 6.7472% | 2,168 |
| Efficiency ratio | 68.5066% | 4,221 |
| Assets per employee ($millions) | 4.7968% | 2,490 |
| Cash dividends to net income (ytd only)* | 381.9444% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,528 |
| Loan loss allowance to noncurrent loans | 136.3379% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 3,492 |
| Noncurrent loans to loans | 1.3390% | 3,558 |
| Net loans and leases to total assets | 70.5992% | 1,565 |
| Net loans and leases to deposits | 82.4310% | 1,771 |
| Net loans and leases to core deposits | 88.2675% | 1,876 |
| Total domestic deposits to total assets | 85.6464% | 3,712 |
| Equity capital to assets | 9.0591% | 5,418 |
| Core capital (leverage) ratio | 8.7129% | 5,310 |
| Tier 1 risk-based capital ratio | 12.2419% | 5,761 |
| Total risk-based capital ratio | 13.5007% | 5,712 |
| Memoranda: | ||
| Average total assets | $740,716,500 | 913 |
| Average earning assets | $684,684,000 | 897 |
| Average equity | $68,642,500 | 1,060 |
| Average total loans | $532,999,500 | 786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 1,394 |
| Cost of funding earning assets | 0.9706% | 1,523 |
| Net interest margin | 4.0926% | 2,033 |
| Noninterest income to average assets | 0.5297% | 3,712 |
| Noninterest expense to average assets | 2.5783% | 4,820 |
| Loan and lease loss provision to assets | 0.5236% | 1,112 |
| Net operating income to assets | 0.8157% | 3,213 |
| Return on assets (ROA) | 0.8160% | 3,458 |
| Pretax return on assets | 1.2169% | 2,737 |
| Return on Equity (ROE) | 8.7326% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.2779% | 1,435 |
| Net charge-offs to loans | 0.3704% | 2,776 |
| Credit loss provision to net charge-offs | 192.0239% | 1,365 |
| Earnings coverage of net charge-offs (x) | 6.3814% | 2,819 |
| Efficiency ratio | 59.7047% | 5,588 |
| Assets per employee ($millions) | 4.8858% | 2,373 |
| Cash dividends to net income (ytd only)* | 16.6583% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 2,590 |
| Loan loss allowance to noncurrent loans | 126.5498% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 3,628 |
| Noncurrent loans to loans | 1.4206% | 3,469 |
| Net loans and leases to total assets | 70.7074% | 1,703 |
| Net loans and leases to deposits | 83.0415% | 1,878 |
| Net loans and leases to core deposits | 88.9909% | 1,969 |
| Total domestic deposits to total assets | 85.1471% | 3,798 |
| Equity capital to assets | 9.4712% | 4,911 |
| Core capital (leverage) ratio | 9.1410% | 4,675 |
| Tier 1 risk-based capital ratio | 13.0322% | 5,083 |
| Total risk-based capital ratio | 14.2910% | 5,017 |
| Memoranda: | ||
| Average total assets | $735,645,000 | 903 |
| Average earning assets | $681,004,800 | 886 |
| Average equity | $68,742,800 | 1,027 |
| Average total loans | $541,615,600 | 765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 1,331 |
| Cost of funding earning assets | 1.0024% | 1,542 |
| Net interest margin | 4.1373% | 1,945 |
| Noninterest income to average assets | 0.6247% | 3,130 |
| Noninterest expense to average assets | 2.7055% | 4,346 |
| Loan and lease loss provision to assets | 0.4222% | 1,510 |
| Net operating income to assets | 0.8730% | 3,117 |
| Return on assets (ROA) | 0.8742% | 3,357 |
| Pretax return on assets | 1.3279% | 2,503 |
| Return on Equity (ROE) | 9.3878% | 2,640 |
| Retained earnings to average equity (ytd only) | 9.3878% | 1,098 |
| Net charge-offs to loans | 0.1866% | 3,625 |
| Credit loss provision to net charge-offs | 305.6653% | 881 |
| Earnings coverage of net charge-offs (x) | 12.6575% | 1,986 |
| Efficiency ratio | 60.7461% | 5,364 |
| Assets per employee ($millions) | 4.8235% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 3,043 |
| Loan loss allowance to noncurrent loans | 143.4178% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 4,070 |
| Noncurrent loans to loans | 1.2061% | 4,039 |
| Net loans and leases to total assets | 71.8223% | 1,582 |
| Net loans and leases to deposits | 84.6687% | 1,783 |
| Net loans and leases to core deposits | 91.3549% | 1,843 |
| Total domestic deposits to total assets | 84.8274% | 3,826 |
| Equity capital to assets | 9.5569% | 5,133 |
| Core capital (leverage) ratio | 9.2878% | 4,604 |
| Tier 1 risk-based capital ratio | 12.9580% | 5,284 |
| Total risk-based capital ratio | 14.2161% | 5,242 |
| Memoranda: | ||
| Average total assets | $732,674,000 | 912 |
| Average earning assets | $678,068,000 | 896 |
| Average equity | $68,228,500 | 1,039 |
| Average total loans | $542,461,000 | 769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 1,264 |
| Cost of funding earning assets | 1.0314% | 1,571 |
| Net interest margin | 4.1653% | 1,849 |
| Noninterest income to average assets | 0.6349% | 3,035 |
| Noninterest expense to average assets | 2.7067% | 4,388 |
| Loan and lease loss provision to assets | 0.4237% | 1,542 |
| Net operating income to assets | 0.8987% | 2,915 |
| Return on assets (ROA) | 0.9003% | 3,177 |
| Pretax return on assets | 1.3588% | 2,356 |
| Return on Equity (ROE) | 9.7552% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.7552% | 1,047 |
| Net charge-offs to loans | 0.1173% | 3,999 |
| Credit loss provision to net charge-offs | 485.8491% | 619 |
| Earnings coverage of net charge-offs (x) | 20.4119% | 1,389 |
| Efficiency ratio | 60.3264% | 5,524 |
| Assets per employee ($millions) | 4.8799% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,393 |
| Loan loss allowance to noncurrent loans | 244.9162% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,804 |
| Noncurrent loans to loans | 0.6776% | 5,148 |
| Net loans and leases to total assets | 72.8365% | 1,418 |
| Net loans and leases to deposits | 85.7919% | 1,633 |
| Net loans and leases to core deposits | 92.9496% | 1,687 |
| Total domestic deposits to total assets | 84.8990% | 3,900 |
| Equity capital to assets | 9.3794% | 5,221 |
| Core capital (leverage) ratio | 9.1598% | 4,672 |
| Tier 1 risk-based capital ratio | 12.5318% | 5,544 |
| Total risk-based capital ratio | 13.7735% | 5,530 |
| Memoranda: | ||
| Average total assets | $729,294,000 | 916 |
| Average earning assets | $674,433,000 | 903 |
| Average equity | $67,308,000 | 1,044 |
| Average total loans | $542,315,670 | 772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 1,175 |
| Cost of funding earning assets | 1.0573% | 1,634 |
| Net interest margin | 4.2097% | 1,737 |
| Noninterest income to average assets | 0.6340% | 3,033 |
| Noninterest expense to average assets | 2.6282% | 4,715 |
| Loan and lease loss provision to assets | 0.4719% | 1,296 |
| Net operating income to assets | 0.9445% | 2,722 |
| Return on assets (ROA) | 0.9477% | 2,915 |
| Pretax return on assets | 1.4329% | 2,078 |
| Return on Equity (ROE) | 10.3546% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.3546% | 1,184 |
| Net charge-offs to loans | 0.0599% | 3,897 |
| Credit loss provision to net charge-offs | 1,056.7901% | 327 |
| Earnings coverage of net charge-offs (x) | 42.5432% | 707 |
| Efficiency ratio | 58.0421% | 5,913 |
| Assets per employee ($millions) | 4.8811% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,747 |
| Loan loss allowance to noncurrent loans | 186.6999% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 4,703 |
| Noncurrent loans to loans | 0.8541% | 4,963 |
| Net loans and leases to total assets | 72.5304% | 1,311 |
| Net loans and leases to deposits | 85.8260% | 1,444 |
| Net loans and leases to core deposits | 92.9679% | 1,550 |
| Total domestic deposits to total assets | 84.5087% | 4,270 |
| Equity capital to assets | 9.1849% | 5,257 |
| Core capital (leverage) ratio | 9.0356% | 4,781 |
| Tier 1 risk-based capital ratio | 12.4805% | 5,619 |
| Total risk-based capital ratio | 13.7353% | 5,583 |
| Memoranda: | ||
| Average total assets | $725,509,500 | 920 |
| Average earning assets | $671,116,500 | 906 |
| Average equity | $66,405,500 | 1,054 |
| Average total loans | $540,592,500 | 771 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 1,470 |
| Cost of funding earning assets | 1.2362% | 1,808 |
| Net interest margin | 4.1422% | 2,258 |
| Noninterest income to average assets | 0.6007% | 3,159 |
| Noninterest expense to average assets | 2.6139% | 5,043 |
| Loan and lease loss provision to assets | 0.4673% | 2,265 |
| Net operating income to assets | 0.8851% | 2,665 |
| Return on assets (ROA) | 0.8953% | 2,758 |
| Pretax return on assets | 1.3431% | 1,975 |
| Return on Equity (ROE) | 10.4200% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.4200% | 486 |
| Net charge-offs to loans | 0.2723% | 4,067 |
| Credit loss provision to net charge-offs | 228.3204% | 1,060 |
| Earnings coverage of net charge-offs (x) | 8.7723% | 2,094 |
| Efficiency ratio | 59.2831% | 5,861 |
| Assets per employee ($millions) | 4.6984% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 4,259 |
| Loan loss allowance to noncurrent loans | 151.6560% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 4,614 |
| Noncurrent loans to loans | 0.9534% | 4,795 |
| Net loans and leases to total assets | 74.2442% | 1,227 |
| Net loans and leases to deposits | 88.9188% | 1,274 |
| Net loans and leases to core deposits | 96.7897% | 1,427 |
| Total domestic deposits to total assets | 83.4966% | 4,543 |
| Equity capital to assets | 9.1204% | 5,389 |
| Core capital (leverage) ratio | 9.0321% | 4,724 |
| Tier 1 risk-based capital ratio | 12.5019% | 5,447 |
| Total risk-based capital ratio | 13.7553% | 5,430 |
| Memoranda: | ||
| Average total assets | $695,327,400 | 939 |
| Average earning assets | $639,299,800 | 927 |
| Average equity | $59,741,000 | 1,129 |
| Average total loans | $522,595,600 | 795 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4088% | 1,487 |
| Cost of funding earning assets | 1.2829% | 1,797 |
| Net interest margin | 4.1259% | 2,370 |
| Noninterest income to average assets | 0.6463% | 2,905 |
| Noninterest expense to average assets | 2.5893% | 5,124 |
| Loan and lease loss provision to assets | 0.4537% | 2,194 |
| Net operating income to assets | 0.9286% | 2,629 |
| Return on assets (ROA) | 0.9424% | 2,722 |
| Pretax return on assets | 1.4096% | 1,918 |
| Return on Equity (ROE) | 11.1471% | 1,813 |
| Retained earnings to average equity (ytd only) | 11.1471% | 604 |
| Net charge-offs to loans | 0.2369% | 3,940 |
| Credit loss provision to net charge-offs | 255.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | 10.3576% | 1,933 |
| Efficiency ratio | 58.4213% | 5,948 |
| Assets per employee ($millions) | 4.7647% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,528 |
| Loan loss allowance to noncurrent loans | 140.8720% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0584% | 4,655 |
| Noncurrent loans to loans | 0.9984% | 4,895 |
| Net loans and leases to total assets | 74.8808% | 1,164 |
| Net loans and leases to deposits | 89.9614% | 1,216 |
| Net loans and leases to core deposits | 98.1530% | 1,411 |
| Total domestic deposits to total assets | 83.2365% | 4,590 |
| Equity capital to assets | 9.2048% | 5,502 |
| Core capital (leverage) ratio | 9.0874% | 4,799 |
| Tier 1 risk-based capital ratio | 12.0790% | 5,842 |
| Total risk-based capital ratio | 13.3311% | 5,826 |
| Memoranda: | ||
| Average total assets | $689,444,250 | 954 |
| Average earning assets | $632,611,000 | 945 |
| Average equity | $58,285,500 | 1,167 |
| Average total loans | $517,859,000 | 818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 1,645 |
| Cost of funding earning assets | 1.3287% | 1,768 |
| Net interest margin | 4.0427% | 2,642 |
| Noninterest income to average assets | 0.6424% | 2,894 |
| Noninterest expense to average assets | 2.6361% | 5,054 |
| Loan and lease loss provision to assets | 0.4111% | 2,380 |
| Net operating income to assets | 0.8747% | 2,750 |
| Return on assets (ROA) | 0.8985% | 2,758 |
| Pretax return on assets | 1.3381% | 2,004 |
| Return on Equity (ROE) | 10.9562% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.9562% | 674 |
| Net charge-offs to loans | 0.2823% | 3,467 |
| Credit loss provision to net charge-offs | 194.6281% | 1,551 |
| Earnings coverage of net charge-offs (x) | 8.1129% | 2,115 |
| Efficiency ratio | 60.6020% | 5,783 |
| Assets per employee ($millions) | 4.8132% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 5,231 |
| Loan loss allowance to noncurrent loans | 252.6813% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 5,583 |
| Noncurrent loans to loans | 0.5003% | 5,902 |
| Net loans and leases to total assets | 76.9954% | 917 |
| Net loans and leases to deposits | 91.4070% | 1,118 |
| Net loans and leases to core deposits | 98.2732% | 1,487 |
| Total domestic deposits to total assets | 84.2336% | 4,244 |
| Equity capital to assets | 8.5816% | 6,076 |
| Core capital (leverage) ratio | 8.3922% | 5,723 |
| Tier 1 risk-based capital ratio | 10.9708% | 6,553 |
| Total risk-based capital ratio | 12.2211% | 6,529 |
| Memoranda: | ||
| Average total assets | $687,375,670 | 964 |
| Average earning assets | $630,375,330 | 951 |
| Average equity | $56,369,670 | 1,185 |
| Average total loans | $514,365,670 | 834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 2,017 |
| Cost of funding earning assets | 1.3682% | 1,780 |
| Net interest margin | 3.8893% | 3,196 |
| Noninterest income to average assets | 0.6054% | 3,127 |
| Noninterest expense to average assets | 2.6935% | 4,860 |
| Loan and lease loss provision to assets | 0.2625% | 3,035 |
| Net operating income to assets | 0.8248% | 2,910 |
| Return on assets (ROA) | 0.8697% | 2,765 |
| Pretax return on assets | 1.2901% | 2,072 |
| Return on Equity (ROE) | 10.8524% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.8524% | 929 |
| Net charge-offs to loans | 0.1113% | 3,862 |
| Credit loss provision to net charge-offs | 321.9858% | 1,013 |
| Earnings coverage of net charge-offs (x) | 18.2199% | 1,191 |
| Efficiency ratio | 64.4527% | 5,289 |
| Assets per employee ($millions) | 4.7009% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,438 |
| Loan loss allowance to noncurrent loans | 221.2609% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 5,605 |
| Noncurrent loans to loans | 0.5613% | 5,903 |
| Net loans and leases to total assets | 73.1909% | 1,484 |
| Net loans and leases to deposits | 87.4164% | 1,531 |
| Net loans and leases to core deposits | 93.7232% | 1,927 |
| Total domestic deposits to total assets | 83.7267% | 4,606 |
| Equity capital to assets | 8.1893% | 6,291 |
| Core capital (leverage) ratio | 7.9378% | 6,319 |
| Tier 1 risk-based capital ratio | 11.0549% | 6,471 |
| Total risk-based capital ratio | 12.3023% | 6,456 |
| Memoranda: | ||
| Average total assets | $691,731,000 | 964 |
| Average earning assets | $635,594,500 | 953 |
| Average equity | $55,434,500 | 1,192 |
| Average total loans | $506,932,500 | 865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 3,099 |
| Cost of funding earning assets | 1.8873% | 888 |
| Net interest margin | 3.4206% | 5,546 |
| Noninterest income to average assets | 0.4794% | 4,320 |
| Noninterest expense to average assets | 2.2770% | 6,420 |
| Loan and lease loss provision to assets | 0.5739% | 2,837 |
| Net operating income to assets | 0.5427% | 3,917 |
| Return on assets (ROA) | 0.5629% | 3,993 |
| Pretax return on assets | 0.7896% | 3,672 |
| Return on Equity (ROE) | 7.6813% | 2,821 |
| Retained earnings to average equity (ytd only) | 7.6813% | 1,090 |
| Net charge-offs to loans | 0.7123% | 2,875 |
| Credit loss provision to net charge-offs | 116.9515% | 3,664 |
| Earnings coverage of net charge-offs (x) | 2.7209% | 3,720 |
| Efficiency ratio | 63.0381% | 5,505 |
| Assets per employee ($millions) | 4.6787% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,575 |
| Loan loss allowance to noncurrent loans | 254.2990% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 5,014 |
| Noncurrent loans to loans | 0.4673% | 6,109 |
| Net loans and leases to total assets | 71.6095% | 2,175 |
| Net loans and leases to deposits | 85.9891% | 2,100 |
| Net loans and leases to core deposits | 92.9893% | 2,387 |
| Total domestic deposits to total assets | 83.2774% | 4,687 |
| Equity capital to assets | 7.8412% | 6,648 |
| Core capital (leverage) ratio | 7.5695% | 6,641 |
| Tier 1 risk-based capital ratio | 10.5522% | 6,664 |
| Total risk-based capital ratio | 11.7151% | 6,699 |
| Memoranda: | ||
| Average total assets | $727,363,400 | 919 |
| Average earning assets | $666,138,200 | 917 |
| Average equity | $53,298,000 | 1,257 |
| Average total loans | $501,030,600 | 894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 3,683 |
| Cost of funding earning assets | 1.9622% | 851 |
| Net interest margin | 3.2680% | 6,119 |
| Noninterest income to average assets | 0.5800% | 3,580 |
| Noninterest expense to average assets | 2.2748% | 6,396 |
| Loan and lease loss provision to assets | 0.5853% | 2,593 |
| Net operating income to assets | 0.4967% | 4,331 |
| Return on assets (ROA) | 0.5136% | 4,436 |
| Pretax return on assets | 0.7335% | 4,134 |
| Return on Equity (ROE) | 7.1276% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.1276% | 1,785 |
| Net charge-offs to loans | 0.3277% | 4,023 |
| Credit loss provision to net charge-offs | 262.4898% | 1,258 |
| Earnings coverage of net charge-offs (x) | 5.8063% | 2,675 |
| Efficiency ratio | 63.7306% | 5,292 |
| Assets per employee ($millions) | 5.0035% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 4,130 |
| Loan loss allowance to noncurrent loans | 296.7897% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.1418% | 4,835 |
| Noncurrent loans to loans | 0.4937% | 6,211 |
| Net loans and leases to total assets | 68.5473% | 3,083 |
| Net loans and leases to deposits | 81.8146% | 3,142 |
| Net loans and leases to core deposits | 88.1992% | 3,341 |
| Total domestic deposits to total assets | 83.7837% | 4,241 |
| Equity capital to assets | 7.5365% | 7,109 |
| Core capital (leverage) ratio | 7.2450% | 7,035 |
| Tier 1 risk-based capital ratio | 10.1737% | 6,968 |
| Total risk-based capital ratio | 11.4257% | 6,950 |
| Memoranda: | ||
| Average total assets | $734,922,250 | 921 |
| Average earning assets | $672,286,250 | 915 |
| Average equity | $52,956,750 | 1,268 |
| Average total loans | $499,984,750 | 896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 4,045 |
| Cost of funding earning assets | 2.0270% | 836 |
| Net interest margin | 3.1537% | 6,453 |
| Noninterest income to average assets | 0.6165% | 3,216 |
| Noninterest expense to average assets | 2.2413% | 6,539 |
| Loan and lease loss provision to assets | 0.2661% | 4,262 |
| Net operating income to assets | 0.6797% | 3,484 |
| Return on assets (ROA) | 0.6891% | 3,599 |
| Pretax return on assets | 1.0143% | 3,065 |
| Return on Equity (ROE) | 9.7093% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.7093% | 913 |
| Net charge-offs to loans | 0.2408% | 4,157 |
| Credit loss provision to net charge-offs | 163.6667% | 2,409 |
| Earnings coverage of net charge-offs (x) | 7.7900% | 2,237 |
| Efficiency ratio | 63.8934% | 5,361 |
| Assets per employee ($millions) | 5.0176% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,604 |
| Loan loss allowance to noncurrent loans | 231.6106% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,997 |
| Noncurrent loans to loans | 0.5053% | 6,243 |
| Net loans and leases to total assets | 65.7453% | 3,880 |
| Net loans and leases to deposits | 77.2460% | 4,122 |
| Net loans and leases to core deposits | 84.1173% | 4,126 |
| Total domestic deposits to total assets | 85.1116% | 3,570 |
| Equity capital to assets | 7.3024% | 7,225 |
| Core capital (leverage) ratio | 7.0738% | 7,149 |
| Tier 1 risk-based capital ratio | 10.3764% | 6,782 |
| Total risk-based capital ratio | 11.5098% | 6,850 |
| Memoranda: | ||
| Average total assets | $738,059,000 | 921 |
| Average earning assets | $676,668,330 | 911 |
| Average equity | $52,383,000 | 1,272 |
| Average total loans | $498,408,000 | 914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 4,501 |
| Cost of funding earning assets | 2.1115% | 785 |
| Net interest margin | 2.9943% | 6,837 |
| Noninterest income to average assets | 0.5915% | 3,334 |
| Noninterest expense to average assets | 2.3996% | 6,088 |
| Loan and lease loss provision to assets | 0.1924% | 4,578 |
| Net operating income to assets | 0.5257% | 4,258 |
| Return on assets (ROA) | 0.5257% | 4,397 |
| Pretax return on assets | 0.7524% | 4,050 |
| Return on Equity (ROE) | 7.5164% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.5164% | 1,917 |
| Net charge-offs to loans | 0.0951% | 4,460 |
| Credit loss provision to net charge-offs | 297.4790% | 1,335 |
| Earnings coverage of net charge-offs (x) | 14.6050% | 1,421 |
| Efficiency ratio | 71.7490% | 3,976 |
| Assets per employee ($millions) | 5.2706% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,851 |
| Loan loss allowance to noncurrent loans | 86.6503% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 4,866 |
| Noncurrent loans to loans | 1.3067% | 4,798 |
| Net loans and leases to total assets | 65.7303% | 3,925 |
| Net loans and leases to deposits | 77.2426% | 4,180 |
| Net loans and leases to core deposits | 84.0939% | 4,185 |
| Total domestic deposits to total assets | 85.0959% | 3,616 |
| Equity capital to assets | 6.9438% | 7,397 |
| Core capital (leverage) ratio | 6.8492% | 7,328 |
| Tier 1 risk-based capital ratio | 10.0623% | 6,986 |
| Total risk-based capital ratio | 11.1664% | 7,074 |
| Memoranda: | ||
| Average total assets | $735,786,000 | 938 |
| Average earning assets | $676,478,500 | 933 |
| Average equity | $51,460,500 | 1,301 |
| Average total loans | $500,607,500 | 937 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 4,008 |
| Cost of funding earning assets | 2.4318% | 1,203 |
| Net interest margin | 3.0948% | 6,385 |
| Noninterest income to average assets | 0.4131% | 5,097 |
| Noninterest expense to average assets | 2.4306% | 6,371 |
| Loan and lease loss provision to assets | 1.0633% | 2,155 |
| Net operating income to assets | -0.0714% | 5,630 |
| Return on assets (ROA) | -0.1032% | 5,691 |
| Pretax return on assets | -0.2747% | 5,809 |
| Return on Equity (ROE) | -1.4665% | 5,768 |
| Retained earnings to average equity (ytd only) | -1.4665% | 5,387 |
| Net charge-offs to loans | 1.3913% | 1,804 |
| Credit loss provision to net charge-offs | 104.9758% | 5,270 |
| Earnings coverage of net charge-offs (x) | 0.8276% | 5,282 |
| Efficiency ratio | 74.3555% | 3,824 |
| Assets per employee ($millions) | 4.9194% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 6,030 |
| Loan loss allowance to noncurrent loans | 82.0766% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 4,743 |
| Noncurrent loans to loans | 1.3061% | 4,739 |
| Net loans and leases to total assets | 68.8989% | 3,514 |
| Net loans and leases to deposits | 81.9575% | 3,621 |
| Net loans and leases to core deposits | 109.7476% | 2,919 |
| Total domestic deposits to total assets | 84.0666% | 3,998 |
| Equity capital to assets | 7.0459% | 7,350 |
| Core capital (leverage) ratio | 6.9314% | 7,297 |
| Tier 1 risk-based capital ratio | 9.8375% | 6,995 |
| Total risk-based capital ratio | 10.8917% | 7,108 |
| Memoranda: | ||
| Average total assets | $714,294,800 | 954 |
| Average earning assets | $659,136,400 | 941 |
| Average equity | $50,257,400 | 1,338 |
| Average total loans | $520,027,200 | 919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5085% | 4,379 |
| Cost of funding earning assets | 2.4942% | 1,324 |
| Net interest margin | 3.0143% | 6,565 |
| Noninterest income to average assets | 0.5627% | 3,988 |
| Noninterest expense to average assets | 2.4811% | 6,135 |
| Loan and lease loss provision to assets | 0.5046% | 3,368 |
| Net operating income to assets | 0.2948% | 4,807 |
| Return on assets (ROA) | 0.2341% | 5,124 |
| Pretax return on assets | 0.2861% | 5,101 |
| Return on Equity (ROE) | 3.3277% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.3277% | 3,443 |
| Net charge-offs to loans | 0.8418% | 2,277 |
| Credit loss provision to net charge-offs | 81.4445% | 5,720 |
| Earnings coverage of net charge-offs (x) | 1.3959% | 4,738 |
| Efficiency ratio | 74.1522% | 3,840 |
| Assets per employee ($millions) | 4.8867% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,991 |
| Loan loss allowance to noncurrent loans | 334.7201% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 5,964 |
| Noncurrent loans to loans | 0.2509% | 6,884 |
| Net loans and leases to total assets | 71.7643% | 3,090 |
| Net loans and leases to deposits | 85.6542% | 3,387 |
| Net loans and leases to core deposits | 114.4221% | 2,788 |
| Total domestic deposits to total assets | 83.7838% | 3,826 |
| Equity capital to assets | 7.2152% | 7,477 |
| Core capital (leverage) ratio | 7.0063% | 7,432 |
| Tier 1 risk-based capital ratio | 9.6324% | 7,289 |
| Total risk-based capital ratio | 10.4622% | 7,528 |
| Memoranda: | ||
| Average total assets | $712,081,750 | 967 |
| Average earning assets | $657,515,000 | 950 |
| Average equity | $50,083,750 | 1,364 |
| Average total loans | $524,124,250 | 922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 4,874 |
| Cost of funding earning assets | 2.5529% | 1,439 |
| Net interest margin | 2.9011% | 6,805 |
| Noninterest income to average assets | 0.5849% | 3,804 |
| Noninterest expense to average assets | 2.4731% | 6,211 |
| Loan and lease loss provision to assets | 0.3925% | 3,561 |
| Net operating income to assets | 0.3029% | 4,885 |
| Return on assets (ROA) | 0.3085% | 4,971 |
| Pretax return on assets | 0.4055% | 4,918 |
| Return on Equity (ROE) | 4.4249% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.4249% | 2,832 |
| Net charge-offs to loans | 1.1132% | 1,630 |
| Credit loss provision to net charge-offs | 47.6305% | 5,795 |
| Earnings coverage of net charge-offs (x) | 0.9595% | 4,810 |
| Efficiency ratio | 75.7739% | 3,730 |
| Assets per employee ($millions) | 4.9897% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 7,498 |
| Loan loss allowance to noncurrent loans | 306.3644% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 5,191 |
| Noncurrent loans to loans | 0.2172% | 6,968 |
| Net loans and leases to total assets | 72.0060% | 3,227 |
| Net loans and leases to deposits | 86.8055% | 3,392 |
| Net loans and leases to core deposits | 114.3264% | 2,876 |
| Total domestic deposits to total assets | 82.9509% | 4,259 |
| Equity capital to assets | 7.0109% | 7,614 |
| Core capital (leverage) ratio | 7.0004% | 7,540 |
| Tier 1 risk-based capital ratio | 9.6219% | 7,300 |
| Total risk-based capital ratio | 10.2822% | 7,693 |
| Memoranda: | ||
| Average total assets | $706,736,330 | 993 |
| Average earning assets | $652,590,330 | 977 |
| Average equity | $49,266,670 | 1,397 |
| Average total loans | $523,181,000 | 941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 5,251 |
| Cost of funding earning assets | 2.6295% | 1,484 |
| Net interest margin | 2.8053% | 6,983 |
| Noninterest income to average assets | 0.5863% | 3,649 |
| Noninterest expense to average assets | 2.4045% | 6,181 |
| Loan and lease loss provision to assets | 0.1270% | 5,332 |
| Net operating income to assets | 0.4622% | 4,605 |
| Return on assets (ROA) | 0.4622% | 4,782 |
| Pretax return on assets | 0.6507% | 4,587 |
| Return on Equity (ROE) | 6.6497% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.6497% | 2,351 |
| Net charge-offs to loans | 1.2782% | 1,098 |
| Credit loss provision to net charge-offs | 13.2813% | 5,163 |
| Earnings coverage of net charge-offs (x) | 0.8131% | 4,377 |
| Efficiency ratio | 75.5600% | 3,558 |
| Assets per employee ($millions) | 4.7374% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 7,452 |
| Loan loss allowance to noncurrent loans | 342.4762% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 5,447 |
| Noncurrent loans to loans | 0.2026% | 6,955 |
| Net loans and leases to total assets | 70.5563% | 3,564 |
| Net loans and leases to deposits | 85.1516% | 3,787 |
| Net loans and leases to core deposits | 111.4384% | 3,266 |
| Total domestic deposits to total assets | 82.8597% | 4,214 |
| Equity capital to assets | 6.8316% | 7,755 |
| Core capital (leverage) ratio | 6.9587% | 7,660 |
| Tier 1 risk-based capital ratio | 9.4318% | 7,485 |
| Total risk-based capital ratio | 10.1112% | 7,905 |
| Memoranda: | ||
| Average total assets | $695,858,500 | 1,013 |
| Average earning assets | $643,922,500 | 999 |
| Average equity | $48,363,000 | 1,428 |
| Average total loans | $520,735,500 | 957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3438% | 3,717 |
| Cost of funding earning assets | 3.1602% | 1,318 |
| Net interest margin | 3.1836% | 6,412 |
| Noninterest income to average assets | 0.8072% | 2,477 |
| Noninterest expense to average assets | 2.5234% | 5,918 |
| Loan and lease loss provision to assets | 0.4443% | 3,069 |
| Net operating income to assets | 0.5487% | 4,536 |
| Return on assets (ROA) | 0.5506% | 4,374 |
| Pretax return on assets | 0.7845% | 4,129 |
| Return on Equity (ROE) | 7.8511% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.9687% | 2,046 |
| Net charge-offs to loans | 0.3370% | 3,145 |
| Credit loss provision to net charge-offs | 173.0466% | 2,947 |
| Earnings coverage of net charge-offs (x) | 4.7753% | 3,865 |
| Efficiency ratio | 67.3026% | 4,853 |
| Assets per employee ($millions) | 4.1908% | 3,134 |
| Cash dividends to net income (ytd only)* | 36.7128% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,314 |
| Loan loss allowance to noncurrent loans | 129.3710% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 5,182 |
| Noncurrent loans to loans | 0.7446% | 5,168 |
| Net loans and leases to total assets | 78.2421% | 2,068 |
| Net loans and leases to deposits | 96.1917% | 2,416 |
| Net loans and leases to core deposits | 128.0971% | 1,995 |
| Total domestic deposits to total assets | 81.3398% | 4,489 |
| Equity capital to assets | 7.0807% | 7,695 |
| Core capital (leverage) ratio | 7.0313% | 7,669 |
| Tier 1 risk-based capital ratio | 9.1286% | 7,684 |
| Total risk-based capital ratio | 10.1049% | 7,911 |
| Memoranda: | ||
| Average total assets | $643,091,000 | 1,044 |
| Average earning assets | $594,324,600 | 1,033 |
| Average equity | $45,102,000 | 1,498 |
| Average total loans | $489,909,000 | 975 |