Home > CoreFirst Bank & Trust > Performance and Condition Ratios
CoreFirst Bank & Trust, 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 | 4.2477% | 3,531 |
| Cost of funding earning assets | 1.3665% | 2,315 |
| Net interest margin | 2.8812% | 3,522 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 3.0538% | 1,033 |
| Loan and lease loss provision to assets | 0.4300% | 224 |
| Net operating income to assets | 0.5398% | 3,589 |
| Return on assets (ROA) | 0.5545% | 3,543 |
| Pretax return on assets | 0.5828% | 3,669 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 0.9692% | 3,842 |
| Net charge-offs to loans | 0.6473% | 152 |
| Credit loss provision to net charge-offs | 105.2950% | 1,792 |
| Earnings coverage of net charge-offs (x) | 2.4220% | 2,694 |
| Efficiency ratio | 75.4204% | 1,306 |
| Assets per employee ($millions) | 5.2562% | 3,430 |
| Cash dividends to net income (ytd only)* | 91.3421% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,147 |
| Loan loss allowance to noncurrent loans | 101.9589% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 588 |
| Noncurrent loans to loans | 1.0127% | 731 |
| Net loans and leases to total assets | 64.5700% | 2,415 |
| Net loans and leases to deposits | 84.7435% | 1,708 |
| Net loans and leases to core deposits | 88.0260% | 2,178 |
| Total domestic deposits to total assets | 76.2000% | 3,927 |
| Equity capital to assets | 4.8451% | 4,433 |
| Core capital (leverage) ratio | 8.0253% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5138% | 2,405 |
| Memoranda: | ||
| Average total assets | $1,245,533,800 | 831 |
| Average earning assets | $1,145,904,800 | 824 |
| Average equity | $61,700,000 | 1,366 |
| Average total loans | $790,699,800 | 873 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 3,607 |
| Cost of funding earning assets | 1.2362% | 2,315 |
| Net interest margin | 2.8903% | 3,570 |
| Noninterest income to average assets | 1.4400% | 412 |
| Noninterest expense to average assets | 3.0400% | 1,005 |
| Loan and lease loss provision to assets | 0.4600% | 172 |
| Net operating income to assets | 0.5611% | 3,641 |
| Return on assets (ROA) | 0.5804% | 3,580 |
| Pretax return on assets | 0.6231% | 3,700 |
| Return on Equity (ROE) | 11.6500% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.4052% | 3,413 |
| Net charge-offs to loans | 0.6934% | 134 |
| Credit loss provision to net charge-offs | 105.0099% | 1,583 |
| Earnings coverage of net charge-offs (x) | 2.4321% | 2,481 |
| Efficiency ratio | 74.0951% | 1,352 |
| Assets per employee ($millions) | 5.0057% | 3,602 |
| Cash dividends to net income (ytd only)* | 70.7729% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,045 |
| Loan loss allowance to noncurrent loans | 155.7696% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 886 |
| Noncurrent loans to loans | 0.6836% | 1,211 |
| Net loans and leases to total assets | 63.9000% | 2,459 |
| Net loans and leases to deposits | 82.1114% | 1,891 |
| Net loans and leases to core deposits | 84.9661% | 2,262 |
| Total domestic deposits to total assets | 77.8200% | 3,837 |
| Equity capital to assets | 4.5392% | 4,328 |
| Core capital (leverage) ratio | 8.2814% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0510% | 2,254 |
| Memoranda: | ||
| Average total assets | $1,236,290,750 | 838 |
| Average earning assets | $1,137,890,500 | 833 |
| Average equity | $61,590,250 | 1,358 |
| Average total loans | $779,177,250 | 878 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 3,660 |
| Cost of funding earning assets | 1.0895% | 2,317 |
| Net interest margin | 2.9228% | 3,603 |
| Noninterest income to average assets | 1.2900% | 401 |
| Noninterest expense to average assets | 2.9610% | 1,104 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.8347% | 2,976 |
| Return on assets (ROA) | 0.8636% | 2,876 |
| Pretax return on assets | 0.9279% | 3,102 |
| Return on Equity (ROE) | 16.8300% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.7897% | 2,997 |
| Net charge-offs to loans | 0.0550% | 976 |
| Credit loss provision to net charge-offs | 360.8491% | 775 |
| Earnings coverage of net charge-offs (x) | 29.7547% | 1,555 |
| Efficiency ratio | 74.3170% | 1,314 |
| Assets per employee ($millions) | 4.8436% | 3,721 |
| Cash dividends to net income (ytd only)* | 71.5440% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 2,680 |
| Loan loss allowance to noncurrent loans | 109.6877% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 548 |
| Noncurrent loans to loans | 1.0540% | 694 |
| Net loans and leases to total assets | 62.2400% | 2,558 |
| Net loans and leases to deposits | 78.6294% | 2,078 |
| Net loans and leases to core deposits | 81.1105% | 2,402 |
| Total domestic deposits to total assets | 79.1600% | 3,699 |
| Equity capital to assets | 5.0915% | 4,365 |
| Core capital (leverage) ratio | 8.3682% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4472% | 2,117 |
| Memoranda: | ||
| Average total assets | $1,232,914,000 | 828 |
| Average earning assets | $1,134,789,333 | 824 |
| Average equity | $63,261,333 | 1,334 |
| Average total loans | $770,571,333 | 869 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,677 |
| Cost of funding earning assets | 0.9491% | 2,219 |
| Net interest margin | 2.9479% | 3,704 |
| Noninterest income to average assets | 1.2300% | 429 |
| Noninterest expense to average assets | 2.9900% | 1,077 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.7867% | 3,233 |
| Return on assets (ROA) | 0.7870% | 3,181 |
| Pretax return on assets | 0.8303% | 3,394 |
| Return on Equity (ROE) | 15.2800% | 1,502 |
| Retained earnings to average equity (ytd only) | 2.6375% | 3,575 |
| Net charge-offs to loans | 0.0795% | 675 |
| Credit loss provision to net charge-offs | 254.9020% | 744 |
| Earnings coverage of net charge-offs (x) | 19.3203% | 1,472 |
| Efficiency ratio | 75.7705% | 1,188 |
| Assets per employee ($millions) | 4.8589% | 3,758 |
| Cash dividends to net income (ytd only)* | 82.7374% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 2,959 |
| Loan loss allowance to noncurrent loans | 105.5045% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 676 |
| Noncurrent loans to loans | 1.0610% | 682 |
| Net loans and leases to total assets | 61.8400% | 2,480 |
| Net loans and leases to deposits | 77.6852% | 1,987 |
| Net loans and leases to core deposits | 80.1955% | 2,242 |
| Total domestic deposits to total assets | 79.6000% | 3,820 |
| Equity capital to assets | 5.1431% | 4,395 |
| Core capital (leverage) ratio | 8.2765% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2229% | 2,293 |
| Memoranda: | ||
| Average total assets | $1,236,652,000 | 845 |
| Average earning assets | $1,138,713,500 | 840 |
| Average equity | $63,695,500 | 1,336 |
| Average total loans | $770,011,000 | 887 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 2,997 |
| Cost of funding earning assets | 0.3582% | 2,417 |
| Net interest margin | 3.1740% | 2,949 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.8324% | 1,254 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1840% | 1,839 |
| Return on assets (ROA) | 1.2168% | 1,657 |
| Pretax return on assets | 1.2747% | 2,187 |
| Return on Equity (ROE) | 20.4100% | 441 |
| Retained earnings to average equity (ytd only) | 8.4575% | 1,652 |
| Net charge-offs to loans | 0.0218% | 1,630 |
| Credit loss provision to net charge-offs | 993.6306% | 439 |
| Earnings coverage of net charge-offs (x) | 106.3694% | 950 |
| Efficiency ratio | 67.4337% | 2,029 |
| Assets per employee ($millions) | 4.9960% | 3,682 |
| Cash dividends to net income (ytd only)* | 58.5555% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,686 |
| Loan loss allowance to noncurrent loans | 108.8428% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 654 |
| Noncurrent loans to loans | 1.0499% | 692 |
| Net loans and leases to total assets | 61.2900% | 2,518 |
| Net loans and leases to deposits | 78.7000% | 1,879 |
| Net loans and leases to core deposits | 80.7504% | 2,092 |
| Total domestic deposits to total assets | 77.8800% | 4,104 |
| Equity capital to assets | 5.1581% | 4,325 |
| Core capital (leverage) ratio | 8.2401% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2028% | 2,284 |
| Memoranda: | ||
| Average total assets | $1,220,860,800 | 846 |
| Average earning assets | $1,126,815,600 | 839 |
| Average equity | $72,799,200 | 1,215 |
| Average total loans | $719,293,600 | 883 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 2,822 |
| Cost of funding earning assets | 0.2373% | 2,848 |
| Net interest margin | 3.1964% | 2,639 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 2.8683% | 1,108 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1949% | 1,712 |
| Return on assets (ROA) | 1.2388% | 1,532 |
| Pretax return on assets | 1.2987% | 2,053 |
| Return on Equity (ROE) | 20.0800% | 429 |
| Retained earnings to average equity (ytd only) | 9.0503% | 1,633 |
| Net charge-offs to loans | 0.0045% | 2,024 |
| Credit loss provision to net charge-offs | 4,875.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 524.2917% | 301 |
| Efficiency ratio | 67.5051% | 2,084 |
| Assets per employee ($millions) | 5.0560% | 3,629 |
| Cash dividends to net income (ytd only)* | 54.9336% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,775 |
| Loan loss allowance to noncurrent loans | 108.6476% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 687 |
| Noncurrent loans to loans | 1.0620% | 711 |
| Net loans and leases to total assets | 59.9000% | 2,513 |
| Net loans and leases to deposits | 76.2499% | 1,856 |
| Net loans and leases to core deposits | 77.4462% | 2,083 |
| Total domestic deposits to total assets | 78.5600% | 4,214 |
| Equity capital to assets | 5.0118% | 4,293 |
| Core capital (leverage) ratio | 8.2209% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5497% | 2,240 |
| Memoranda: | ||
| Average total assets | $1,215,075,750 | 852 |
| Average earning assets | $1,122,788,500 | 847 |
| Average equity | $74,957,250 | 1,202 |
| Average total loans | $706,306,250 | 894 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 2,749 |
| Cost of funding earning assets | 0.1389% | 3,723 |
| Net interest margin | 3.1580% | 2,337 |
| Noninterest income to average assets | 1.2786% | 437 |
| Noninterest expense to average assets | 2.8610% | 1,053 |
| Loan and lease loss provision to assets | 0.1287% | 756 |
| Net operating income to assets | 1.1519% | 1,596 |
| Return on assets (ROA) | 1.2177% | 1,360 |
| Pretax return on assets | 1.2798% | 1,811 |
| Return on Equity (ROE) | 18.5680% | 414 |
| Retained earnings to average equity (ytd only) | 7.7457% | 1,709 |
| Net charge-offs to loans | -0.0616% | 4,313 |
| Credit loss provision to net charge-offs | -364.4860% | 3,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1161% | 2,224 |
| Assets per employee ($millions) | 4.9259% | 3,738 |
| Cash dividends to net income (ytd only)* | 58.2848% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,879 |
| Loan loss allowance to noncurrent loans | 106.2184% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 707 |
| Noncurrent loans to loans | 1.0951% | 755 |
| Net loans and leases to total assets | 58.6902% | 2,464 |
| Net loans and leases to deposits | 74.7138% | 1,786 |
| Net loans and leases to core deposits | 75.8315% | 2,030 |
| Total domestic deposits to total assets | 78.5533% | 4,324 |
| Equity capital to assets | 5.0179% | 4,472 |
| Core capital (leverage) ratio | 8.2161% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5296% | 2,281 |
| Memoranda: | ||
| Average total assets | $1,212,249,000 | 850 |
| Average earning assets | $1,121,476,000 | 851 |
| Average equity | $79,502,333 | 1,167 |
| Average total loans | $694,575,667 | 894 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2484% | 2,540 |
| Cost of funding earning assets | 0.1049% | 4,070 |
| Net interest margin | 3.1435% | 2,045 |
| Noninterest income to average assets | 1.2829% | 433 |
| Noninterest expense to average assets | 2.8409% | 1,080 |
| Loan and lease loss provision to assets | 0.1289% | 636 |
| Net operating income to assets | 1.1527% | 1,371 |
| Return on assets (ROA) | 1.1527% | 1,371 |
| Pretax return on assets | 1.2248% | 1,718 |
| Return on Equity (ROE) | 15.7200% | 558 |
| Retained earnings to average equity (ytd only) | 4.8914% | 2,632 |
| Net charge-offs to loans | 0.0388% | 893 |
| Credit loss provision to net charge-offs | 590.9091% | 474 |
| Earnings coverage of net charge-offs (x) | 62.0455% | 841 |
| Efficiency ratio | 67.7280% | 2,539 |
| Assets per employee ($millions) | 4.9640% | 3,781 |
| Cash dividends to net income (ytd only)* | 68.8844% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,157 |
| Loan loss allowance to noncurrent loans | 86.2111% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 641 |
| Noncurrent loans to loans | 1.3217% | 663 |
| Net loans and leases to total assets | 55.8582% | 2,545 |
| Net loans and leases to deposits | 66.9035% | 2,251 |
| Net loans and leases to core deposits | 67.8093% | 2,468 |
| Total domestic deposits to total assets | 83.4907% | 3,864 |
| Equity capital to assets | 6.8928% | 4,262 |
| Core capital (leverage) ratio | 8.0968% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7813% | 2,312 |
| Memoranda: | ||
| Average total assets | $1,210,030,500 | 854 |
| Average earning assets | $1,120,786,000 | 854 |
| Average equity | $88,727,500 | 1,096 |
| Average total loans | $680,624,000 | 903 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 2,711 |
| Cost of funding earning assets | 0.1758% | 3,704 |
| Net interest margin | 3.3063% | 2,302 |
| Noninterest income to average assets | 1.2962% | 635 |
| Noninterest expense to average assets | 3.0120% | 958 |
| Loan and lease loss provision to assets | -0.1953% | 4,690 |
| Net operating income to assets | 1.4810% | 1,059 |
| Return on assets (ROA) | 1.4821% | 1,108 |
| Pretax return on assets | 1.5395% | 1,602 |
| Return on Equity (ROE) | 17.9252% | 474 |
| Retained earnings to average equity (ytd only) | 5.4389% | 2,600 |
| Net charge-offs to loans | 0.1780% | 544 |
| Credit loss provision to net charge-offs | -185.1852% | 3,491 |
| Earnings coverage of net charge-offs (x) | 12.7317% | 2,103 |
| Efficiency ratio | 69.1625% | 1,841 |
| Assets per employee ($millions) | 4.9950% | 3,730 |
| Cash dividends to net income (ytd only)* | 69.6579% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,412 |
| Loan loss allowance to noncurrent loans | 97.0912% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 862 |
| Noncurrent loans to loans | 1.1182% | 865 |
| Net loans and leases to total assets | 55.3906% | 2,697 |
| Net loans and leases to deposits | 68.7298% | 2,244 |
| Net loans and leases to core deposits | 69.5972% | 2,494 |
| Total domestic deposits to total assets | 80.5918% | 4,156 |
| Equity capital to assets | 7.7662% | 4,484 |
| Core capital (leverage) ratio | 8.1737% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7530% | 2,340 |
| Memoranda: | ||
| Average total assets | $1,151,863,200 | 859 |
| Average earning assets | $1,065,616,200 | 856 |
| Average equity | $95,240,400 | 1,046 |
| Average total loans | $682,611,200 | 897 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 2,760 |
| Cost of funding earning assets | 0.1757% | 3,864 |
| Net interest margin | 3.3482% | 2,296 |
| Noninterest income to average assets | 1.3132% | 683 |
| Noninterest expense to average assets | 3.0611% | 876 |
| Loan and lease loss provision to assets | -0.3171% | 4,830 |
| Net operating income to assets | 1.6062% | 1,017 |
| Return on assets (ROA) | 1.6078% | 1,058 |
| Pretax return on assets | 1.6628% | 1,515 |
| Return on Equity (ROE) | 19.1328% | 500 |
| Retained earnings to average equity (ytd only) | 6.7051% | 2,537 |
| Net charge-offs to loans | 0.0709% | 940 |
| Credit loss provision to net charge-offs | -743.8017% | 3,770 |
| Earnings coverage of net charge-offs (x) | 31.5234% | 1,499 |
| Efficiency ratio | 69.4886% | 1,657 |
| Assets per employee ($millions) | 4.7824% | 3,898 |
| Cash dividends to net income (ytd only)* | 64.9547% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,137 |
| Loan loss allowance to noncurrent loans | 261.6209% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 2,007 |
| Noncurrent loans to loans | 0.4457% | 2,225 |
| Net loans and leases to total assets | 55.3865% | 2,807 |
| Net loans and leases to deposits | 69.3258% | 2,302 |
| Net loans and leases to core deposits | 70.1140% | 2,585 |
| Total domestic deposits to total assets | 79.8930% | 4,242 |
| Equity capital to assets | 8.1931% | 4,412 |
| Core capital (leverage) ratio | 8.2288% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0623% | 2,341 |
| Memoranda: | ||
| Average total assets | $1,135,134,250 | 881 |
| Average earning assets | $1,048,255,750 | 876 |
| Average equity | $95,387,250 | 1,059 |
| Average total loans | $682,639,250 | 914 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 2,964 |
| Cost of funding earning assets | 0.1881% | 3,868 |
| Net interest margin | 3.2852% | 2,493 |
| Noninterest income to average assets | 1.2956% | 694 |
| Noninterest expense to average assets | 3.1285% | 806 |
| Loan and lease loss provision to assets | -0.1435% | 4,702 |
| Net operating income to assets | 1.2871% | 1,900 |
| Return on assets (ROA) | 1.2888% | 1,970 |
| Pretax return on assets | 1.3396% | 2,522 |
| Return on Equity (ROE) | 15.2014% | 1,107 |
| Retained earnings to average equity (ytd only) | 5.1941% | 3,118 |
| Net charge-offs to loans | 0.0282% | 1,384 |
| Credit loss provision to net charge-offs | -824.7423% | 3,596 |
| Earnings coverage of net charge-offs (x) | 68.6392% | 909 |
| Efficiency ratio | 72.3723% | 1,394 |
| Assets per employee ($millions) | 4.5349% | 4,081 |
| Cash dividends to net income (ytd only)* | 65.8316% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,627 |
| Loan loss allowance to noncurrent loans | 73.2814% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 520 |
| Noncurrent loans to loans | 2.0321% | 474 |
| Net loans and leases to total assets | 55.9806% | 2,901 |
| Net loans and leases to deposits | 71.6844% | 2,238 |
| Net loans and leases to core deposits | 72.4237% | 2,569 |
| Total domestic deposits to total assets | 78.0932% | 4,422 |
| Equity capital to assets | 8.0665% | 4,492 |
| Core capital (leverage) ratio | 8.2458% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5545% | 2,141 |
| Memoranda: | ||
| Average total assets | $1,114,980,000 | 884 |
| Average earning assets | $1,027,384,667 | 885 |
| Average equity | $94,531,000 | 1,063 |
| Average total loans | $686,848,667 | 918 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 2,633 |
| Cost of funding earning assets | 0.2013% | 3,902 |
| Net interest margin | 3.4013% | 2,106 |
| Noninterest income to average assets | 1.3157% | 742 |
| Noninterest expense to average assets | 3.2253% | 691 |
| Loan and lease loss provision to assets | 0.2216% | 522 |
| Net operating income to assets | 0.9364% | 3,026 |
| Return on assets (ROA) | 0.9375% | 3,095 |
| Pretax return on assets | 0.9844% | 3,420 |
| Return on Equity (ROE) | 10.7723% | 2,431 |
| Retained earnings to average equity (ytd only) | 2.7758% | 3,845 |
| Net charge-offs to loans | -0.0236% | 4,073 |
| Credit loss provision to net charge-offs | -1,463.4146% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8031% | 1,421 |
| Assets per employee ($millions) | 4.3248% | 4,252 |
| Cash dividends to net income (ytd only)* | 74.2317% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 1,132 |
| Loan loss allowance to noncurrent loans | 85.3543% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 528 |
| Noncurrent loans to loans | 1.9502% | 564 |
| Net loans and leases to total assets | 60.7357% | 2,440 |
| Net loans and leases to deposits | 75.3038% | 1,983 |
| Net loans and leases to core deposits | 75.9678% | 2,359 |
| Total domestic deposits to total assets | 80.6542% | 4,110 |
| Equity capital to assets | 8.2883% | 4,290 |
| Core capital (leverage) ratio | 8.7015% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4924% | 2,089 |
| Memoranda: | ||
| Average total assets | $1,082,929,500 | 896 |
| Average earning assets | $991,635,000 | 904 |
| Average equity | $94,241,500 | 1,058 |
| Average total loans | $695,255,500 | 908 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,039 |
| Cost of funding earning assets | 0.3396% | 3,926 |
| Net interest margin | 3.5567% | 2,287 |
| Noninterest income to average assets | 1.2893% | 686 |
| Noninterest expense to average assets | 3.1267% | 1,182 |
| Loan and lease loss provision to assets | 0.3681% | 898 |
| Net operating income to assets | 0.9950% | 2,310 |
| Return on assets (ROA) | 0.9965% | 2,443 |
| Pretax return on assets | 1.0472% | 2,889 |
| Return on Equity (ROE) | 10.9194% | 1,660 |
| Retained earnings to average equity (ytd only) | 1.0901% | 4,196 |
| Net charge-offs to loans | 0.0402% | 2,259 |
| Credit loss provision to net charge-offs | 1,386.8613% | 604 |
| Earnings coverage of net charge-offs (x) | 53.2591% | 1,140 |
| Efficiency ratio | 68.8643% | 2,113 |
| Assets per employee ($millions) | 3.9762% | 4,393 |
| Cash dividends to net income (ytd only)* | 90.0165% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,408 |
| Loan loss allowance to noncurrent loans | 81.3510% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 547 |
| Noncurrent loans to loans | 1.9133% | 622 |
| Net loans and leases to total assets | 65.7724% | 2,126 |
| Net loans and leases to deposits | 83.8026% | 1,482 |
| Net loans and leases to core deposits | 84.5095% | 1,994 |
| Total domestic deposits to total assets | 78.4849% | 4,265 |
| Equity capital to assets | 9.1461% | 3,939 |
| Core capital (leverage) ratio | 8.9555% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3547% | 2,102 |
| Memoranda: | ||
| Average total assets | $1,032,272,800 | 856 |
| Average earning assets | $943,574,600 | 860 |
| Average equity | $94,208,400 | 1,015 |
| Average total loans | $681,461,200 | 887 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 3,244 |
| Cost of funding earning assets | 0.3655% | 3,977 |
| Net interest margin | 3.5373% | 2,469 |
| Noninterest income to average assets | 1.2751% | 669 |
| Noninterest expense to average assets | 3.1037% | 1,234 |
| Loan and lease loss provision to assets | 0.2721% | 1,486 |
| Net operating income to assets | 1.0917% | 2,009 |
| Return on assets (ROA) | 1.0938% | 2,130 |
| Pretax return on assets | 1.1422% | 2,589 |
| Return on Equity (ROE) | 11.9920% | 1,369 |
| Retained earnings to average equity (ytd only) | 1.1451% | 4,204 |
| Net charge-offs to loans | 0.0459% | 1,962 |
| Credit loss provision to net charge-offs | 901.2876% | 898 |
| Earnings coverage of net charge-offs (x) | 46.7682% | 1,243 |
| Efficiency ratio | 68.7299% | 2,079 |
| Assets per employee ($millions) | 4.2487% | 4,096 |
| Cash dividends to net income (ytd only)* | 90.4514% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,206 |
| Loan loss allowance to noncurrent loans | 69.8870% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3325% | 690 |
| Noncurrent loans to loans | 1.8436% | 704 |
| Net loans and leases to total assets | 64.9177% | 2,648 |
| Net loans and leases to deposits | 88.6826% | 1,407 |
| Net loans and leases to core deposits | 89.3285% | 2,033 |
| Total domestic deposits to total assets | 73.2023% | 4,621 |
| Equity capital to assets | 8.7944% | 4,256 |
| Core capital (leverage) ratio | 9.1041% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1588% | 2,128 |
| Memoranda: | ||
| Average total assets | $1,028,907,500 | 843 |
| Average earning assets | $942,614,750 | 848 |
| Average equity | $93,849,500 | 1,011 |
| Average total loans | $677,156,750 | 889 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,349 |
| Cost of funding earning assets | 0.4098% | 4,001 |
| Net interest margin | 3.5817% | 2,541 |
| Noninterest income to average assets | 1.2844% | 617 |
| Noninterest expense to average assets | 3.2140% | 1,138 |
| Loan and lease loss provision to assets | 0.2378% | 1,774 |
| Net operating income to assets | 1.0671% | 2,083 |
| Return on assets (ROA) | 1.0718% | 2,194 |
| Pretax return on assets | 1.1180% | 2,657 |
| Return on Equity (ROE) | 11.6013% | 1,453 |
| Retained earnings to average equity (ytd only) | 0.6477% | 4,172 |
| Net charge-offs to loans | 0.0605% | 1,644 |
| Credit loss provision to net charge-offs | 597.0149% | 1,116 |
| Earnings coverage of net charge-offs (x) | 33.9154% | 1,355 |
| Efficiency ratio | 70.4085% | 1,906 |
| Assets per employee ($millions) | 4.3466% | 3,961 |
| Cash dividends to net income (ytd only)* | 94.4167% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,656 |
| Loan loss allowance to noncurrent loans | 52.2305% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 570 |
| Noncurrent loans to loans | 2.2433% | 558 |
| Net loans and leases to total assets | 64.5399% | 2,813 |
| Net loans and leases to deposits | 88.4196% | 1,512 |
| Net loans and leases to core deposits | 88.8656% | 2,170 |
| Total domestic deposits to total assets | 72.9928% | 4,652 |
| Equity capital to assets | 8.8030% | 4,260 |
| Core capital (leverage) ratio | 9.2589% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8570% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,009,321,667 | 843 |
| Average earning assets | $924,432,000 | 852 |
| Average equity | $93,248,000 | 1,001 |
| Average total loans | $664,441,333 | 886 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 3,213 |
| Cost of funding earning assets | 0.5226% | 3,835 |
| Net interest margin | 3.6754% | 2,419 |
| Noninterest income to average assets | 1.4819% | 407 |
| Noninterest expense to average assets | 3.4450% | 1,014 |
| Loan and lease loss provision to assets | 0.2478% | 1,250 |
| Net operating income to assets | 1.1163% | 1,798 |
| Return on assets (ROA) | 1.1263% | 1,861 |
| Pretax return on assets | 1.1659% | 2,319 |
| Return on Equity (ROE) | 11.8757% | 1,135 |
| Retained earnings to average equity (ytd only) | -0.0174% | 3,994 |
| Net charge-offs to loans | 0.1574% | 821 |
| Credit loss provision to net charge-offs | 238.0952% | 1,316 |
| Earnings coverage of net charge-offs (x) | 13.4841% | 1,647 |
| Efficiency ratio | 71.0538% | 2,210 |
| Assets per employee ($millions) | 3.7596% | 4,206 |
| Cash dividends to net income (ytd only)* | 100.1467% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,603 |
| Loan loss allowance to noncurrent loans | 48.0252% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7810% | 521 |
| Noncurrent loans to loans | 2.5227% | 476 |
| Net loans and leases to total assets | 64.4543% | 3,011 |
| Net loans and leases to deposits | 88.2186% | 1,734 |
| Net loans and leases to core deposits | 88.8442% | 2,463 |
| Total domestic deposits to total assets | 73.0620% | 4,721 |
| Equity capital to assets | 9.5195% | 4,205 |
| Core capital (leverage) ratio | 9.6376% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9240% | 2,325 |
| Memoranda: | ||
| Average total assets | $968,481,500 | 847 |
| Average earning assets | $887,075,500 | 858 |
| Average equity | $91,851,500 | 1,016 |
| Average total loans | $640,422,000 | 890 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 3,287 |
| Cost of funding earning assets | 0.7430% | 2,955 |
| Net interest margin | 3.6448% | 2,978 |
| Noninterest income to average assets | 1.7727% | 312 |
| Noninterest expense to average assets | 3.4297% | 1,063 |
| Loan and lease loss provision to assets | 0.1095% | 1,903 |
| Net operating income to assets | 1.5161% | 1,012 |
| Return on assets (ROA) | 1.5210% | 1,065 |
| Pretax return on assets | 1.5911% | 1,511 |
| Return on Equity (ROE) | 16.2017% | 514 |
| Retained earnings to average equity (ytd only) | 1.1378% | 4,339 |
| Net charge-offs to loans | 0.0622% | 2,211 |
| Credit loss provision to net charge-offs | 265.1163% | 1,046 |
| Earnings coverage of net charge-offs (x) | 41.0568% | 1,294 |
| Efficiency ratio | 66.9193% | 2,631 |
| Assets per employee ($millions) | 3.6624% | 4,303 |
| Cash dividends to net income (ytd only)* | 92.9774% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,752 |
| Loan loss allowance to noncurrent loans | 50.6652% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 579 |
| Noncurrent loans to loans | 2.2473% | 542 |
| Net loans and leases to total assets | 66.2546% | 2,919 |
| Net loans and leases to deposits | 94.0362% | 1,147 |
| Net loans and leases to core deposits | 94.7846% | 1,997 |
| Total domestic deposits to total assets | 70.4565% | 4,915 |
| Equity capital to assets | 9.4482% | 4,390 |
| Core capital (leverage) ratio | 9.6323% | 3,921 |
| Tier 1 risk-based capital ratio | 12.6469% | 3,977 |
| Total risk-based capital ratio | 13.6557% | 3,998 |
| Memoranda: | ||
| Average total assets | $937,165,200 | 836 |
| Average earning assets | $862,001,200 | 842 |
| Average equity | $87,978,600 | 1,004 |
| Average total loans | $622,546,000 | 886 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 3,405 |
| Cost of funding earning assets | 0.7827% | 2,798 |
| Net interest margin | 3.6037% | 3,234 |
| Noninterest income to average assets | 1.9084% | 282 |
| Noninterest expense to average assets | 3.4395% | 1,027 |
| Loan and lease loss provision to assets | 0.1255% | 1,549 |
| Net operating income to assets | 1.5958% | 942 |
| Return on assets (ROA) | 1.5958% | 985 |
| Pretax return on assets | 1.6556% | 1,454 |
| Return on Equity (ROE) | 17.0275% | 475 |
| Retained earnings to average equity (ytd only) | 1.0196% | 4,562 |
| Net charge-offs to loans | 0.0618% | 1,940 |
| Credit loss provision to net charge-offs | 306.2937% | 938 |
| Earnings coverage of net charge-offs (x) | 43.4690% | 1,294 |
| Efficiency ratio | 65.8836% | 2,744 |
| Assets per employee ($millions) | 3.7334% | 4,239 |
| Cash dividends to net income (ytd only)* | 94.0120% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,712 |
| Loan loss allowance to noncurrent loans | 45.6798% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 493 |
| Noncurrent loans to loans | 2.5408% | 449 |
| Net loans and leases to total assets | 65.3079% | 3,142 |
| Net loans and leases to deposits | 94.4455% | 1,184 |
| Net loans and leases to core deposits | 95.0639% | 2,080 |
| Total domestic deposits to total assets | 69.1487% | 5,022 |
| Equity capital to assets | 9.4357% | 4,505 |
| Core capital (leverage) ratio | 9.6967% | 3,976 |
| Tier 1 risk-based capital ratio | 12.7336% | 4,006 |
| Total risk-based capital ratio | 13.7490% | 4,020 |
| Memoranda: | ||
| Average total assets | $930,651,750 | 841 |
| Average earning assets | $855,359,500 | 845 |
| Average equity | $87,221,500 | 1,009 |
| Average total loans | $616,800,750 | 895 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 3,596 |
| Cost of funding earning assets | 0.8129% | 2,587 |
| Net interest margin | 3.5021% | 3,587 |
| Noninterest income to average assets | 2.0970% | 249 |
| Noninterest expense to average assets | 3.4325% | 1,049 |
| Loan and lease loss provision to assets | 0.0650% | 2,517 |
| Net operating income to assets | 1.7578% | 651 |
| Return on assets (ROA) | 1.7578% | 679 |
| Pretax return on assets | 1.8182% | 994 |
| Return on Equity (ROE) | 18.7999% | 329 |
| Retained earnings to average equity (ytd only) | 2.3416% | 4,007 |
| Net charge-offs to loans | 0.0503% | 1,928 |
| Credit loss provision to net charge-offs | 194.8052% | 1,245 |
| Earnings coverage of net charge-offs (x) | 56.4675% | 1,020 |
| Efficiency ratio | 64.5726% | 3,045 |
| Assets per employee ($millions) | 3.8157% | 4,100 |
| Cash dividends to net income (ytd only)* | 87.5447% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,174 |
| Loan loss allowance to noncurrent loans | 169.1416% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,077 |
| Noncurrent loans to loans | 0.6386% | 2,342 |
| Net loans and leases to total assets | 66.3626% | 3,058 |
| Net loans and leases to deposits | 98.0047% | 841 |
| Net loans and leases to core deposits | 98.5176% | 1,843 |
| Total domestic deposits to total assets | 67.7137% | 5,111 |
| Equity capital to assets | 9.5020% | 4,400 |
| Core capital (leverage) ratio | 9.8307% | 3,790 |
| Tier 1 risk-based capital ratio | 12.7562% | 3,974 |
| Total risk-based capital ratio | 13.7094% | 4,034 |
| Memoranda: | ||
| Average total assets | $923,526,000 | 846 |
| Average earning assets | $848,793,000 | 850 |
| Average equity | $86,351,670 | 1,014 |
| Average total loans | $612,717,330 | 898 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 3,535 |
| Cost of funding earning assets | 0.9195% | 1,921 |
| Net interest margin | 3.3870% | 3,922 |
| Noninterest income to average assets | 1.4923% | 395 |
| Noninterest expense to average assets | 3.6165% | 828 |
| Loan and lease loss provision to assets | 0.0658% | 2,348 |
| Net operating income to assets | 0.8556% | 3,428 |
| Return on assets (ROA) | 0.8556% | 3,470 |
| Pretax return on assets | 0.9178% | 3,704 |
| Return on Equity (ROE) | 9.2279% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.7981% | 3,403 |
| Net charge-offs to loans | 0.1050% | 1,107 |
| Credit loss provision to net charge-offs | 94.9367% | 1,671 |
| Earnings coverage of net charge-offs (x) | 14.1962% | 1,803 |
| Efficiency ratio | 78.6177% | 1,203 |
| Assets per employee ($millions) | 3.6712% | 4,383 |
| Cash dividends to net income (ytd only)* | 58.8416% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,078 |
| Loan loss allowance to noncurrent loans | 57.0177% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 785 |
| Noncurrent loans to loans | 1.9437% | 773 |
| Net loans and leases to total assets | 65.1698% | 3,152 |
| Net loans and leases to deposits | 95.0983% | 1,054 |
| Net loans and leases to core deposits | 95.3990% | 1,989 |
| Total domestic deposits to total assets | 68.5289% | 5,157 |
| Equity capital to assets | 9.4247% | 4,324 |
| Core capital (leverage) ratio | 9.9775% | 3,627 |
| Tier 1 risk-based capital ratio | 13.1459% | 3,804 |
| Total risk-based capital ratio | 14.1099% | 3,848 |
| Memoranda: | ||
| Average total assets | $912,147,500 | 856 |
| Average earning assets | $836,971,000 | 862 |
| Average equity | $84,569,500 | 1,021 |
| Average total loans | $601,658,500 | 917 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,894 |
| Cost of funding earning assets | 0.8271% | 1,411 |
| Net interest margin | 3.5340% | 3,590 |
| Noninterest income to average assets | 1.2704% | 582 |
| Noninterest expense to average assets | 3.5048% | 989 |
| Loan and lease loss provision to assets | 0.0412% | 3,363 |
| Net operating income to assets | 0.9511% | 3,227 |
| Return on assets (ROA) | 0.9511% | 3,221 |
| Pretax return on assets | 0.9734% | 3,692 |
| Return on Equity (ROE) | 10.4744% | 2,305 |
| Retained earnings to average equity (ytd only) | 1.0478% | 4,696 |
| Net charge-offs to loans | 0.1504% | 1,279 |
| Credit loss provision to net charge-offs | 42.3729% | 3,265 |
| Earnings coverage of net charge-offs (x) | 10.4350% | 2,718 |
| Efficiency ratio | 77.5501% | 1,178 |
| Assets per employee ($millions) | 3.5549% | 4,492 |
| Cash dividends to net income (ytd only)* | 89.9965% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,975 |
| Loan loss allowance to noncurrent loans | 187.7974% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 2,145 |
| Noncurrent loans to loans | 0.5970% | 2,495 |
| Net loans and leases to total assets | 65.2817% | 3,227 |
| Net loans and leases to deposits | 97.0681% | 967 |
| Net loans and leases to core deposits | 97.3657% | 1,933 |
| Total domestic deposits to total assets | 67.2535% | 5,224 |
| Equity capital to assets | 9.1164% | 4,475 |
| Core capital (leverage) ratio | 9.9995% | 3,578 |
| Tier 1 risk-based capital ratio | 13.1594% | 3,752 |
| Total risk-based capital ratio | 14.1354% | 3,803 |
| Memoranda: | ||
| Average total assets | $910,208,600 | 837 |
| Average earning assets | $836,825,400 | 839 |
| Average equity | $82,649,200 | 1,000 |
| Average total loans | $588,339,800 | 913 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 2,705 |
| Cost of funding earning assets | 0.7886% | 1,389 |
| Net interest margin | 3.5873% | 3,410 |
| Noninterest income to average assets | 1.1756% | 685 |
| Noninterest expense to average assets | 3.4776% | 1,009 |
| Loan and lease loss provision to assets | 0.0549% | 2,875 |
| Net operating income to assets | 0.9033% | 3,509 |
| Return on assets (ROA) | 0.9033% | 3,514 |
| Pretax return on assets | 0.9456% | 3,886 |
| Return on Equity (ROE) | 9.9580% | 2,639 |
| Retained earnings to average equity (ytd only) | -1.1534% | 5,143 |
| Net charge-offs to loans | 0.1860% | 902 |
| Credit loss provision to net charge-offs | 45.8996% | 2,863 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 2,718 |
| Efficiency ratio | 77.6583% | 1,151 |
| Assets per employee ($millions) | 3.5409% | 4,511 |
| Cash dividends to net income (ytd only)* | 111.5827% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,997 |
| Loan loss allowance to noncurrent loans | 184.2348% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 2,175 |
| Noncurrent loans to loans | 0.6161% | 2,544 |
| Net loans and leases to total assets | 64.3698% | 3,379 |
| Net loans and leases to deposits | 93.1158% | 1,493 |
| Net loans and leases to core deposits | 95.7367% | 2,141 |
| Total domestic deposits to total assets | 69.1288% | 5,254 |
| Equity capital to assets | 8.7109% | 4,788 |
| Core capital (leverage) ratio | 9.7711% | 3,874 |
| Tier 1 risk-based capital ratio | 12.8084% | 4,015 |
| Total risk-based capital ratio | 13.7841% | 4,077 |
| Memoranda: | ||
| Average total assets | $911,138,000 | 838 |
| Average earning assets | $838,789,000 | 839 |
| Average equity | $82,651,750 | 1,001 |
| Average total loans | $585,804,000 | 918 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 2,197 |
| Cost of funding earning assets | 0.7415% | 1,422 |
| Net interest margin | 3.7241% | 2,844 |
| Noninterest income to average assets | 1.1965% | 670 |
| Noninterest expense to average assets | 3.5074% | 989 |
| Loan and lease loss provision to assets | 0.0550% | 2,803 |
| Net operating income to assets | 1.0133% | 2,959 |
| Return on assets (ROA) | 1.0133% | 2,968 |
| Pretax return on assets | 1.0557% | 3,491 |
| Return on Equity (ROE) | 11.0227% | 2,103 |
| Retained earnings to average equity (ytd only) | 3.8720% | 3,667 |
| Net charge-offs to loans | 0.2972% | 538 |
| Credit loss provision to net charge-offs | 28.9017% | 2,633 |
| Earnings coverage of net charge-offs (x) | 5.8370% | 2,680 |
| Efficiency ratio | 75.9491% | 1,432 |
| Assets per employee ($millions) | 3.4770% | 4,625 |
| Cash dividends to net income (ytd only)* | 64.8719% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,026 |
| Loan loss allowance to noncurrent loans | 169.6199% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7721% | 669 |
| Noncurrent loans to loans | 0.6730% | 2,422 |
| Net loans and leases to total assets | 63.2709% | 3,479 |
| Net loans and leases to deposits | 91.8276% | 1,604 |
| Net loans and leases to core deposits | 94.2256% | 2,200 |
| Total domestic deposits to total assets | 68.9018% | 5,314 |
| Equity capital to assets | 9.1155% | 4,467 |
| Core capital (leverage) ratio | 10.0061% | 3,576 |
| Tier 1 risk-based capital ratio | 13.2344% | 3,773 |
| Total risk-based capital ratio | 14.1928% | 3,846 |
| Memoranda: | ||
| Average total assets | $909,153,670 | 840 |
| Average earning assets | $835,311,670 | 845 |
| Average equity | $83,573,330 | 988 |
| Average total loans | $582,036,000 | 923 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,037 |
| Cost of funding earning assets | 0.6815% | 1,538 |
| Net interest margin | 4.1375% | 1,342 |
| Noninterest income to average assets | 0.9349% | 1,061 |
| Noninterest expense to average assets | 3.5581% | 916 |
| Loan and lease loss provision to assets | 0.0548% | 2,668 |
| Net operating income to assets | 1.0942% | 2,449 |
| Return on assets (ROA) | 1.0942% | 2,467 |
| Pretax return on assets | 1.1363% | 3,022 |
| Return on Equity (ROE) | 11.8541% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.5212% | 2,487 |
| Net charge-offs to loans | 0.1535% | 918 |
| Credit loss provision to net charge-offs | 55.8036% | 1,905 |
| Earnings coverage of net charge-offs (x) | 12.1205% | 1,815 |
| Efficiency ratio | 74.9192% | 1,757 |
| Assets per employee ($millions) | 3.3977% | 4,797 |
| Cash dividends to net income (ytd only)* | 44.9880% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,783 |
| Loan loss allowance to noncurrent loans | 51.0795% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 629 |
| Noncurrent loans to loans | 2.3580% | 603 |
| Net loans and leases to total assets | 63.9084% | 3,322 |
| Net loans and leases to deposits | 93.6641% | 1,259 |
| Net loans and leases to core deposits | 96.1900% | 1,964 |
| Total domestic deposits to total assets | 68.2315% | 5,411 |
| Equity capital to assets | 9.0939% | 4,462 |
| Core capital (leverage) ratio | 9.9779% | 3,560 |
| Tier 1 risk-based capital ratio | 12.7566% | 4,087 |
| Total risk-based capital ratio | 13.7564% | 4,139 |
| Memoranda: | ||
| Average total assets | $911,716,000 | 845 |
| Average earning assets | $840,508,000 | 846 |
| Average equity | $84,156,500 | 994 |
| Average total loans | $583,758,000 | 922 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,119 |
| Cost of funding earning assets | 0.5699% | 1,830 |
| Net interest margin | 3.2075% | 4,430 |
| Noninterest income to average assets | 1.4883% | 478 |
| Noninterest expense to average assets | 3.4621% | 1,100 |
| Loan and lease loss provision to assets | -0.1316% | 5,519 |
| Net operating income to assets | 1.0039% | 2,222 |
| Return on assets (ROA) | 1.0065% | 2,251 |
| Pretax return on assets | 1.1008% | 3,179 |
| Return on Equity (ROE) | 11.0283% | 1,471 |
| Retained earnings to average equity (ytd only) | 4.3174% | 2,565 |
| Net charge-offs to loans | -0.1346% | 5,442 |
| Credit loss provision to net charge-offs | 160.4558% | 1,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1788% | 1,321 |
| Assets per employee ($millions) | 3.4190% | 4,801 |
| Cash dividends to net income (ytd only)* | 60.8520% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,453 |
| Loan loss allowance to noncurrent loans | 51.3514% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0532% | 537 |
| Noncurrent loans to loans | 2.4398% | 563 |
| Net loans and leases to total assets | 62.5723% | 3,544 |
| Net loans and leases to deposits | 95.0353% | 1,175 |
| Net loans and leases to core deposits | 95.1972% | 2,097 |
| Total domestic deposits to total assets | 65.8411% | 5,522 |
| Equity capital to assets | 9.3679% | 4,363 |
| Core capital (leverage) ratio | 9.8588% | 3,623 |
| Tier 1 risk-based capital ratio | 12.6418% | 4,122 |
| Total risk-based capital ratio | 13.6628% | 4,161 |
| Memoranda: | ||
| Average total assets | $909,609,800 | 816 |
| Average earning assets | $833,808,200 | 825 |
| Average equity | $83,013,600 | 977 |
| Average total loans | $554,103,400 | 930 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,163 |
| Cost of funding earning assets | 0.5554% | 1,852 |
| Net interest margin | 3.1986% | 4,451 |
| Noninterest income to average assets | 1.4816% | 493 |
| Noninterest expense to average assets | 3.4563% | 1,058 |
| Loan and lease loss provision to assets | 0.0004% | 4,082 |
| Net operating income to assets | 0.8849% | 3,106 |
| Return on assets (ROA) | 0.8849% | 3,152 |
| Pretax return on assets | 0.9542% | 3,847 |
| Return on Equity (ROE) | 9.7603% | 2,226 |
| Retained earnings to average equity (ytd only) | 3.3402% | 3,943 |
| Net charge-offs to loans | -0.3500% | 5,622 |
| Credit loss provision to net charge-offs | -0.2083% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3578% | 1,283 |
| Assets per employee ($millions) | 3.4415% | 4,809 |
| Cash dividends to net income (ytd only)* | 65.7777% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,181 |
| Loan loss allowance to noncurrent loans | 61.7480% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.1794% | 563 |
| Noncurrent loans to loans | 2.6303% | 549 |
| Net loans and leases to total assets | 60.7587% | 3,787 |
| Net loans and leases to deposits | 91.9235% | 1,579 |
| Net loans and leases to core deposits | 92.0796% | 2,429 |
| Total domestic deposits to total assets | 66.0970% | 5,584 |
| Equity capital to assets | 9.4233% | 4,520 |
| Core capital (leverage) ratio | 9.6333% | 4,006 |
| Tier 1 risk-based capital ratio | 12.4509% | 4,349 |
| Total risk-based capital ratio | 13.7022% | 4,256 |
| Memoranda: | ||
| Average total assets | $909,650,000 | 822 |
| Average earning assets | $833,086,750 | 833 |
| Average equity | $82,468,000 | 989 |
| Average total loans | $548,558,500 | 940 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,106 |
| Cost of funding earning assets | 0.5317% | 1,899 |
| Net interest margin | 3.2070% | 4,399 |
| Noninterest income to average assets | 1.4943% | 486 |
| Noninterest expense to average assets | 3.4520% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8980% | 2,924 |
| Return on assets (ROA) | 0.8980% | 2,980 |
| Pretax return on assets | 0.9756% | 3,656 |
| Return on Equity (ROE) | 10.0371% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.4267% | 3,671 |
| Net charge-offs to loans | -0.1003% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9658% | 1,467 |
| Assets per employee ($millions) | 3.3838% | 4,884 |
| Cash dividends to net income (ytd only)* | 65.8590% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,643 |
| Loan loss allowance to noncurrent loans | 52.9600% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2159% | 534 |
| Noncurrent loans to loans | 2.7962% | 500 |
| Net loans and leases to total assets | 57.8460% | 4,054 |
| Net loans and leases to deposits | 86.5816% | 2,155 |
| Net loans and leases to core deposits | 86.9012% | 2,801 |
| Total domestic deposits to total assets | 66.8110% | 5,624 |
| Equity capital to assets | 9.2596% | 4,665 |
| Core capital (leverage) ratio | 9.4984% | 4,133 |
| Tier 1 risk-based capital ratio | 12.8217% | 4,106 |
| Total risk-based capital ratio | 13.9975% | 4,061 |
| Memoranda: | ||
| Average total assets | $910,011,330 | 829 |
| Average earning assets | $832,366,330 | 839 |
| Average equity | $81,418,330 | 1,001 |
| Average total loans | $544,362,330 | 946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,088 |
| Cost of funding earning assets | 0.5049% | 2,045 |
| Net interest margin | 3.2059% | 4,324 |
| Noninterest income to average assets | 1.5525% | 463 |
| Noninterest expense to average assets | 3.5159% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8412% | 3,035 |
| Return on assets (ROA) | 0.8412% | 3,080 |
| Pretax return on assets | 0.9615% | 3,539 |
| Return on Equity (ROE) | 9.5705% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.5519% | 2,566 |
| Net charge-offs to loans | -0.0109% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5265% | 1,561 |
| Assets per employee ($millions) | 3.3805% | 4,956 |
| Cash dividends to net income (ytd only)* | 41.9895% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 2,044 |
| Loan loss allowance to noncurrent loans | 48.7536% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.4409% | 485 |
| Noncurrent loans to loans | 2.8858% | 494 |
| Net loans and leases to total assets | 59.0105% | 3,884 |
| Net loans and leases to deposits | 87.3392% | 1,878 |
| Net loans and leases to core deposits | 87.7979% | 2,564 |
| Total domestic deposits to total assets | 67.5647% | 5,684 |
| Equity capital to assets | 8.8342% | 4,965 |
| Core capital (leverage) ratio | 9.5462% | 4,061 |
| Tier 1 risk-based capital ratio | 12.5686% | 4,347 |
| Total risk-based capital ratio | 13.6874% | 4,327 |
| Memoranda: | ||
| Average total assets | $908,210,500 | 833 |
| Average earning assets | $828,601,500 | 846 |
| Average equity | $79,829,000 | 1,015 |
| Average total loans | $548,327,000 | 938 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 4,355 |
| Cost of funding earning assets | 0.4918% | 2,152 |
| Net interest margin | 3.1632% | 4,554 |
| Noninterest income to average assets | 1.5078% | 522 |
| Noninterest expense to average assets | 3.8467% | 735 |
| Loan and lease loss provision to assets | -0.0448% | 5,573 |
| Net operating income to assets | 0.5937% | 4,236 |
| Return on assets (ROA) | 0.6168% | 4,254 |
| Pretax return on assets | 0.5784% | 4,846 |
| Return on Equity (ROE) | 6.5233% | 3,730 |
| Retained earnings to average equity (ytd only) | 1.0813% | 4,873 |
| Net charge-offs to loans | 0.1699% | 1,602 |
| Credit loss provision to net charge-offs | -45.1977% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.1514% | 3,384 |
| Efficiency ratio | 88.2832% | 651 |
| Assets per employee ($millions) | 3.3224% | 5,017 |
| Cash dividends to net income (ytd only)* | 83.4241% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,106 |
| Loan loss allowance to noncurrent loans | 47.9765% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.7293% | 412 |
| Noncurrent loans to loans | 2.9048% | 479 |
| Net loans and leases to total assets | 60.0528% | 3,844 |
| Net loans and leases to deposits | 93.3904% | 1,260 |
| Net loans and leases to core deposits | 93.9116% | 2,118 |
| Total domestic deposits to total assets | 64.3030% | 5,785 |
| Equity capital to assets | 8.7448% | 5,070 |
| Core capital (leverage) ratio | 9.5000% | 4,080 |
| Tier 1 risk-based capital ratio | 11.8057% | 4,855 |
| Total risk-based capital ratio | 12.8716% | 4,882 |
| Memoranda: | ||
| Average total assets | $893,004,800 | 812 |
| Average earning assets | $804,419,200 | 833 |
| Average equity | $84,435,200 | 944 |
| Average total loans | $520,758,800 | 945 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,332 |
| Cost of funding earning assets | 0.4935% | 2,144 |
| Net interest margin | 3.1816% | 4,534 |
| Noninterest income to average assets | 1.4231% | 587 |
| Noninterest expense to average assets | 3.7964% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5360% | 4,550 |
| Return on assets (ROA) | 0.5873% | 4,452 |
| Pretax return on assets | 0.5360% | 5,048 |
| Return on Equity (ROE) | 6.0955% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.8621% | 3,555 |
| Net charge-offs to loans | 0.1436% | 1,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.8518% | 3,073 |
| Efficiency ratio | 88.6802% | 635 |
| Assets per employee ($millions) | 3.2400% | 5,120 |
| Cash dividends to net income (ytd only)* | 36.6394% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,447 |
| Loan loss allowance to noncurrent loans | 48.6903% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 3.3007% | 320 |
| Noncurrent loans to loans | 3.2990% | 419 |
| Net loans and leases to total assets | 57.3458% | 4,161 |
| Net loans and leases to deposits | 87.9672% | 2,021 |
| Net loans and leases to core deposits | 88.4547% | 2,720 |
| Total domestic deposits to total assets | 65.1900% | 5,834 |
| Equity capital to assets | 9.9452% | 4,179 |
| Core capital (leverage) ratio | 9.7829% | 3,828 |
| Tier 1 risk-based capital ratio | 12.5205% | 4,460 |
| Total risk-based capital ratio | 13.7362% | 4,382 |
| Memoranda: | ||
| Average total assets | $890,335,750 | 812 |
| Average earning assets | $799,746,250 | 835 |
| Average equity | $85,787,750 | 933 |
| Average total loans | $513,359,500 | 957 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,609 |
| Cost of funding earning assets | 0.4935% | 2,161 |
| Net interest margin | 3.1000% | 4,833 |
| Noninterest income to average assets | 1.4676% | 545 |
| Noninterest expense to average assets | 3.8304% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4948% | 4,701 |
| Return on assets (ROA) | 0.4969% | 4,794 |
| Pretax return on assets | 0.4196% | 5,308 |
| Return on Equity (ROE) | 5.2132% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.5117% | 3,664 |
| Net charge-offs to loans | 0.4097% | 556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.7742% | 3,366 |
| Efficiency ratio | 90.1697% | 596 |
| Assets per employee ($millions) | 3.1735% | 5,244 |
| Cash dividends to net income (ytd only)* | 32.6383% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,758 |
| Loan loss allowance to noncurrent loans | 37.8415% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.8827% | 243 |
| Noncurrent loans to loans | 4.0429% | 285 |
| Net loans and leases to total assets | 57.5004% | 4,169 |
| Net loans and leases to deposits | 88.0569% | 1,989 |
| Net loans and leases to core deposits | 88.4736% | 2,682 |
| Total domestic deposits to total assets | 65.2991% | 5,909 |
| Equity capital to assets | 10.0136% | 4,211 |
| Core capital (leverage) ratio | 9.6348% | 4,015 |
| Tier 1 risk-based capital ratio | 12.4027% | 4,593 |
| Total risk-based capital ratio | 13.5497% | 4,567 |
| Memoranda: | ||
| Average total assets | $887,958,000 | 814 |
| Average earning assets | $796,385,670 | 837 |
| Average equity | $84,632,000 | 938 |
| Average total loans | $510,125,000 | 959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,666 |
| Cost of funding earning assets | 0.4908% | 2,173 |
| Net interest margin | 3.0941% | 4,878 |
| Noninterest income to average assets | 1.6000% | 460 |
| Noninterest expense to average assets | 3.8951% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6325% | 4,050 |
| Return on assets (ROA) | 0.6325% | 4,167 |
| Pretax return on assets | 0.4782% | 5,145 |
| Return on Equity (ROE) | 6.8073% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.0643% | 2,898 |
| Net charge-offs to loans | -0.2795% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0660% | 740 |
| Assets per employee ($millions) | 3.1803% | 5,304 |
| Cash dividends to net income (ytd only)* | 25.6046% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 1,102 |
| Loan loss allowance to noncurrent loans | 37.2062% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 4.3186% | 216 |
| Noncurrent loans to loans | 4.9103% | 199 |
| Net loans and leases to total assets | 56.3772% | 4,211 |
| Net loans and leases to deposits | 84.7908% | 2,218 |
| Net loans and leases to core deposits | 85.2419% | 2,819 |
| Total domestic deposits to total assets | 66.4898% | 5,959 |
| Equity capital to assets | 9.5106% | 4,662 |
| Core capital (leverage) ratio | 9.5930% | 4,045 |
| Tier 1 risk-based capital ratio | 12.3676% | 4,677 |
| Total risk-based capital ratio | 13.6202% | 4,574 |
| Memoranda: | ||
| Average total assets | $889,230,500 | 820 |
| Average earning assets | $797,009,000 | 836 |
| Average equity | $82,617,000 | 965 |
| Average total loans | $506,674,500 | 969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 4,992 |
| Cost of funding earning assets | 0.4666% | 2,466 |
| Net interest margin | 3.0088% | 5,119 |
| Noninterest income to average assets | 1.5513% | 524 |
| Noninterest expense to average assets | 3.9880% | 685 |
| Loan and lease loss provision to assets | -0.0329% | 5,699 |
| Net operating income to assets | 0.2737% | 5,429 |
| Return on assets (ROA) | 0.3306% | 5,356 |
| Pretax return on assets | 0.3316% | 5,453 |
| Return on Equity (ROE) | 3.7622% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.4381% | 3,610 |
| Net charge-offs to loans | 0.3479% | 853 |
| Credit loss provision to net charge-offs | -16.7038% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.2288% | 4,122 |
| Efficiency ratio | 94.2840% | 472 |
| Assets per employee ($millions) | 3.0943% | 5,420 |
| Cash dividends to net income (ytd only)* | 8.6150% | 4,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 1,176 |
| Loan loss allowance to noncurrent loans | 31.8016% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 4.8609% | 181 |
| Noncurrent loans to loans | 5.5893% | 162 |
| Net loans and leases to total assets | 55.5286% | 4,335 |
| Net loans and leases to deposits | 84.7293% | 2,278 |
| Net loans and leases to core deposits | 85.2459% | 2,857 |
| Total domestic deposits to total assets | 65.5365% | 6,022 |
| Equity capital to assets | 9.0720% | 5,048 |
| Core capital (leverage) ratio | 9.5779% | 4,079 |
| Tier 1 risk-based capital ratio | 12.4007% | 4,700 |
| Total risk-based capital ratio | 13.6531% | 4,589 |
| Memoranda: | ||
| Average total assets | $912,828,800 | 754 |
| Average earning assets | $812,621,000 | 768 |
| Average equity | $80,219,400 | 952 |
| Average total loans | $516,284,800 | 908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,977 |
| Cost of funding earning assets | 0.4688% | 2,509 |
| Net interest margin | 3.0350% | 5,116 |
| Noninterest income to average assets | 1.7020% | 457 |
| Noninterest expense to average assets | 3.9290% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4697% | 4,899 |
| Return on assets (ROA) | 0.4953% | 4,898 |
| Pretax return on assets | 0.4966% | 5,227 |
| Return on Equity (ROE) | 5.6804% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.6804% | 2,462 |
| Net charge-offs to loans | 0.4207% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.9793% | 3,753 |
| Efficiency ratio | 89.2948% | 742 |
| Assets per employee ($millions) | 3.0854% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 1,220 |
| Loan loss allowance to noncurrent loans | 29.4143% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 5.5198% | 159 |
| Noncurrent loans to loans | 6.2020% | 128 |
| Net loans and leases to total assets | 57.3999% | 4,210 |
| Net loans and leases to deposits | 86.3122% | 2,114 |
| Net loans and leases to core deposits | 87.2679% | 2,728 |
| Total domestic deposits to total assets | 66.5027% | 6,078 |
| Equity capital to assets | 9.3296% | 4,970 |
| Core capital (leverage) ratio | 9.4038% | 4,437 |
| Tier 1 risk-based capital ratio | 12.1792% | 4,980 |
| Total risk-based capital ratio | 13.4320% | 4,876 |
| Memoranda: | ||
| Average total assets | $918,246,500 | 759 |
| Average earning assets | $816,269,250 | 771 |
| Average equity | $80,062,750 | 955 |
| Average total loans | $519,405,250 | 905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 5,098 |
| Cost of funding earning assets | 0.4717% | 2,501 |
| Net interest margin | 2.9808% | 5,266 |
| Noninterest income to average assets | 1.5298% | 543 |
| Noninterest expense to average assets | 3.8784% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2979% | 5,441 |
| Return on assets (ROA) | 0.3333% | 5,451 |
| Pretax return on assets | 0.3352% | 5,596 |
| Return on Equity (ROE) | 3.9088% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.9088% | 3,516 |
| Net charge-offs to loans | 0.4833% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1073% | 3,580 |
| Efficiency ratio | 92.8310% | 588 |
| Assets per employee ($millions) | 3.0747% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 1,134 |
| Loan loss allowance to noncurrent loans | 29.4119% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 5.6539% | 171 |
| Noncurrent loans to loans | 6.5098% | 134 |
| Net loans and leases to total assets | 54.9369% | 4,465 |
| Net loans and leases to deposits | 79.1111% | 2,894 |
| Net loans and leases to core deposits | 79.6735% | 3,426 |
| Total domestic deposits to total assets | 69.4427% | 6,057 |
| Equity capital to assets | 8.6604% | 5,556 |
| Core capital (leverage) ratio | 8.9279% | 5,052 |
| Tier 1 risk-based capital ratio | 11.7950% | 5,283 |
| Total risk-based capital ratio | 13.0482% | 5,190 |
| Memoranda: | ||
| Average total assets | $930,183,670 | 750 |
| Average earning assets | $826,363,670 | 773 |
| Average equity | $79,307,670 | 969 |
| Average total loans | $520,564,000 | 908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 5,112 |
| Cost of funding earning assets | 0.4810% | 2,443 |
| Net interest margin | 2.9605% | 5,315 |
| Noninterest income to average assets | 1.5153% | 532 |
| Noninterest expense to average assets | 3.9345% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2031% | 5,679 |
| Return on assets (ROA) | 0.2732% | 5,596 |
| Pretax return on assets | 0.2770% | 5,693 |
| Return on Equity (ROE) | 3.2285% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.2285% | 4,052 |
| Net charge-offs to loans | 0.4723% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.7806% | 3,011 |
| Efficiency ratio | 95.0190% | 544 |
| Assets per employee ($millions) | 3.3160% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,090 |
| Loan loss allowance to noncurrent loans | 30.2514% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 5.8217% | 183 |
| Noncurrent loans to loans | 6.5958% | 151 |
| Net loans and leases to total assets | 54.4034% | 4,388 |
| Net loans and leases to deposits | 78.0479% | 2,794 |
| Net loans and leases to core deposits | 78.6488% | 3,314 |
| Total domestic deposits to total assets | 69.7052% | 6,146 |
| Equity capital to assets | 8.5643% | 5,694 |
| Core capital (leverage) ratio | 8.7846% | 5,226 |
| Tier 1 risk-based capital ratio | 11.5872% | 5,503 |
| Total risk-based capital ratio | 12.8400% | 5,419 |
| Memoranda: | ||
| Average total assets | $938,675,500 | 742 |
| Average earning assets | $832,439,000 | 771 |
| Average equity | $79,418,000 | 964 |
| Average total loans | $525,107,500 | 896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 5,293 |
| Cost of funding earning assets | 0.5216% | 2,475 |
| Net interest margin | 2.9878% | 5,474 |
| Noninterest income to average assets | 1.5812% | 505 |
| Noninterest expense to average assets | 3.9721% | 776 |
| Loan and lease loss provision to assets | 0.1002% | 2,487 |
| Net operating income to assets | 0.1398% | 5,894 |
| Return on assets (ROA) | 0.1636% | 5,893 |
| Pretax return on assets | 0.1700% | 5,913 |
| Return on Equity (ROE) | 2.1335% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.1335% | 4,714 |
| Net charge-offs to loans | 1.0694% | 270 |
| Credit loss provision to net charge-offs | 16.6578% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.4079% | 4,649 |
| Efficiency ratio | 94.1813% | 589 |
| Assets per employee ($millions) | 3.2828% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 952 |
| Loan loss allowance to noncurrent loans | 33.1374% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 5.9942% | 196 |
| Noncurrent loans to loans | 6.3228% | 173 |
| Net loans and leases to total assets | 55.1932% | 4,421 |
| Net loans and leases to deposits | 79.6909% | 2,760 |
| Net loans and leases to core deposits | 80.2529% | 3,269 |
| Total domestic deposits to total assets | 69.2592% | 6,226 |
| Equity capital to assets | 8.3563% | 5,860 |
| Core capital (leverage) ratio | 8.7099% | 5,339 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,222 |
| Total risk-based capital ratio | 13.4625% | 5,133 |
| Memoranda: | ||
| Average total assets | $938,034,200 | 712 |
| Average earning assets | $827,707,800 | 740 |
| Average equity | $71,948,000 | 1,019 |
| Average total loans | $527,664,200 | 837 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 5,309 |
| Cost of funding earning assets | 0.5249% | 2,519 |
| Net interest margin | 3.0094% | 5,481 |
| Noninterest income to average assets | 1.6138% | 497 |
| Noninterest expense to average assets | 4.0016% | 753 |
| Loan and lease loss provision to assets | 0.1335% | 1,876 |
| Net operating income to assets | 0.1250% | 5,992 |
| Return on assets (ROA) | 0.1545% | 5,973 |
| Pretax return on assets | 0.1631% | 5,996 |
| Return on Equity (ROE) | 2.0609% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.0609% | 5,024 |
| Net charge-offs to loans | 1.3345% | 201 |
| Credit loss provision to net charge-offs | 17.7963% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.3538% | 4,403 |
| Efficiency ratio | 93.7783% | 610 |
| Assets per employee ($millions) | 3.2393% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1539% | 1,015 |
| Loan loss allowance to noncurrent loans | 27.2812% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 6.9397% | 174 |
| Noncurrent loans to loans | 7.8951% | 127 |
| Net loans and leases to total assets | 55.9592% | 4,336 |
| Net loans and leases to deposits | 78.5878% | 2,883 |
| Net loans and leases to core deposits | 79.1626% | 3,417 |
| Total domestic deposits to total assets | 71.2060% | 6,221 |
| Equity capital to assets | 7.9749% | 6,145 |
| Core capital (leverage) ratio | 8.7051% | 5,431 |
| Tier 1 risk-based capital ratio | 12.2023% | 5,367 |
| Total risk-based capital ratio | 13.4581% | 5,279 |
| Memoranda: | ||
| Average total assets | $938,640,500 | 715 |
| Average earning assets | $827,565,000 | 739 |
| Average equity | $70,389,500 | 1,046 |
| Average total loans | $527,719,250 | 837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 5,327 |
| Cost of funding earning assets | 0.5241% | 2,597 |
| Net interest margin | 3.0113% | 5,488 |
| Noninterest income to average assets | 1.6735% | 462 |
| Noninterest expense to average assets | 3.9660% | 792 |
| Loan and lease loss provision to assets | 0.1782% | 1,377 |
| Net operating income to assets | 0.1741% | 5,903 |
| Return on assets (ROA) | 0.2166% | 5,848 |
| Pretax return on assets | 0.2293% | 5,907 |
| Return on Equity (ROE) | 2.9498% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.9498% | 4,325 |
| Net charge-offs to loans | 1.8064% | 131 |
| Credit loss provision to net charge-offs | 17.6471% | 3,227 |
| Earnings coverage of net charge-offs (x) | 0.3588% | 4,062 |
| Efficiency ratio | 91.6283% | 787 |
| Assets per employee ($millions) | 3.1863% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 1,012 |
| Loan loss allowance to noncurrent loans | 25.3557% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 7.2022% | 174 |
| Noncurrent loans to loans | 8.7050% | 105 |
| Net loans and leases to total assets | 56.1615% | 4,263 |
| Net loans and leases to deposits | 78.7345% | 2,703 |
| Net loans and leases to core deposits | 79.5207% | 3,261 |
| Total domestic deposits to total assets | 71.3302% | 6,296 |
| Equity capital to assets | 7.8915% | 6,213 |
| Core capital (leverage) ratio | 8.6552% | 5,464 |
| Tier 1 risk-based capital ratio | 11.9910% | 5,546 |
| Total risk-based capital ratio | 13.2471% | 5,474 |
| Memoranda: | ||
| Average total assets | $942,710,000 | 712 |
| Average earning assets | $831,128,670 | 738 |
| Average equity | $69,225,330 | 1,054 |
| Average total loans | $527,013,670 | 832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 5,474 |
| Cost of funding earning assets | 0.5221% | 2,691 |
| Net interest margin | 2.9601% | 5,626 |
| Noninterest income to average assets | 1.4813% | 531 |
| Noninterest expense to average assets | 3.9127% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1601% | 5,909 |
| Return on assets (ROA) | 0.2255% | 5,780 |
| Pretax return on assets | 0.2508% | 5,820 |
| Return on Equity (ROE) | 3.1880% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.1880% | 4,213 |
| Net charge-offs to loans | 1.6859% | 178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1916% | 3,398 |
| Efficiency ratio | 95.6441% | 662 |
| Assets per employee ($millions) | 3.2826% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 759 |
| Loan loss allowance to noncurrent loans | 26.5809% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 7.5240% | 187 |
| Noncurrent loans to loans | 9.6249% | 108 |
| Net loans and leases to total assets | 54.2203% | 4,385 |
| Net loans and leases to deposits | 74.3315% | 3,026 |
| Net loans and leases to core deposits | 75.1076% | 3,514 |
| Total domestic deposits to total assets | 72.9438% | 6,310 |
| Equity capital to assets | 7.4759% | 6,321 |
| Core capital (leverage) ratio | 8.5771% | 5,552 |
| Tier 1 risk-based capital ratio | 11.9357% | 5,683 |
| Total risk-based capital ratio | 13.1951% | 5,608 |
| Memoranda: | ||
| Average total assets | $947,272,500 | 717 |
| Average earning assets | $835,103,500 | 740 |
| Average equity | $67,001,000 | 1,093 |
| Average total loans | $522,446,000 | 837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 5,693 |
| Cost of funding earning assets | 0.6058% | 2,607 |
| Net interest margin | 2.8654% | 5,867 |
| Noninterest income to average assets | 1.5251% | 610 |
| Noninterest expense to average assets | 3.7596% | 1,203 |
| Loan and lease loss provision to assets | 0.1449% | 2,490 |
| Net operating income to assets | 0.1366% | 5,968 |
| Return on assets (ROA) | 0.1779% | 5,943 |
| Pretax return on assets | 0.1768% | 5,980 |
| Return on Equity (ROE) | 2.3854% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.3854% | 4,548 |
| Net charge-offs to loans | 0.3618% | 1,870 |
| Credit loss provision to net charge-offs | 75.9049% | 3,144 |
| Earnings coverage of net charge-offs (x) | 1.4689% | 4,563 |
| Efficiency ratio | 93.0592% | 802 |
| Assets per employee ($millions) | 3.2728% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0580% | 436 |
| Loan loss allowance to noncurrent loans | 28.4276% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 8.2031% | 179 |
| Noncurrent loans to loans | 10.7570% | 95 |
| Net loans and leases to total assets | 52.9852% | 4,724 |
| Net loans and leases to deposits | 75.9122% | 2,976 |
| Net loans and leases to core deposits | 76.6723% | 3,535 |
| Total domestic deposits to total assets | 69.7980% | 6,529 |
| Equity capital to assets | 6.6662% | 6,538 |
| Core capital (leverage) ratio | 8.5701% | 5,579 |
| Tier 1 risk-based capital ratio | 12.0879% | 5,570 |
| Total risk-based capital ratio | 13.3518% | 5,494 |
| Memoranda: | ||
| Average total assets | $969,640,800 | 677 |
| Average earning assets | $851,061,200 | 702 |
| Average equity | $72,316,400 | 982 |
| Average total loans | $511,563,800 | 831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 5,912 |
| Cost of funding earning assets | 0.6252% | 2,604 |
| Net interest margin | 2.7604% | 6,077 |
| Noninterest income to average assets | 1.6710% | 538 |
| Noninterest expense to average assets | 3.6919% | 1,260 |
| Loan and lease loss provision to assets | 0.1919% | 1,905 |
| Net operating income to assets | 0.2100% | 5,887 |
| Return on assets (ROA) | 0.2425% | 5,888 |
| Pretax return on assets | 0.2410% | 5,979 |
| Return on Equity (ROE) | 3.1705% | 5,541 |
| Retained earnings to average equity (ytd only) | 3.1705% | 4,417 |
| Net charge-offs to loans | 0.3556% | 1,771 |
| Credit loss provision to net charge-offs | 103.1571% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.1527% | 4,121 |
| Efficiency ratio | 90.2166% | 972 |
| Assets per employee ($millions) | 3.3248% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3346% | 398 |
| Loan loss allowance to noncurrent loans | 27.3483% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 8.5796% | 197 |
| Noncurrent loans to loans | 12.1930% | 77 |
| Net loans and leases to total assets | 50.5800% | 5,064 |
| Net loans and leases to deposits | 69.1890% | 3,909 |
| Net loans and leases to core deposits | 70.0951% | 4,313 |
| Total domestic deposits to total assets | 73.1040% | 6,428 |
| Equity capital to assets | 7.1871% | 6,496 |
| Core capital (leverage) ratio | 8.5637% | 5,706 |
| Tier 1 risk-based capital ratio | 12.6635% | 5,352 |
| Total risk-based capital ratio | 13.9298% | 5,283 |
| Memoranda: | ||
| Average total assets | $976,406,500 | 678 |
| Average earning assets | $856,485,500 | 699 |
| Average equity | $74,687,000 | 967 |
| Average total loans | $510,659,500 | 829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 5,838 |
| Cost of funding earning assets | 0.6574% | 2,436 |
| Net interest margin | 2.7729% | 6,059 |
| Noninterest income to average assets | 1.6693% | 586 |
| Noninterest expense to average assets | 3.6417% | 1,349 |
| Loan and lease loss provision to assets | 0.2834% | 1,284 |
| Net operating income to assets | 0.1741% | 5,968 |
| Return on assets (ROA) | 0.2219% | 5,963 |
| Pretax return on assets | 0.2219% | 6,046 |
| Return on Equity (ROE) | 2.8468% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.8468% | 4,501 |
| Net charge-offs to loans | 0.4879% | 1,345 |
| Credit loss provision to net charge-offs | 111.0672% | 1,998 |
| Earnings coverage of net charge-offs (x) | 1.7929% | 3,935 |
| Efficiency ratio | 88.8402% | 1,145 |
| Assets per employee ($millions) | 3.1841% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2897% | 438 |
| Loan loss allowance to noncurrent loans | 28.7221% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 8.2480% | 236 |
| Noncurrent loans to loans | 11.4534% | 103 |
| Net loans and leases to total assets | 50.7961% | 5,019 |
| Net loans and leases to deposits | 69.4728% | 3,791 |
| Net loans and leases to core deposits | 70.5324% | 4,214 |
| Total domestic deposits to total assets | 73.1165% | 6,499 |
| Equity capital to assets | 7.3732% | 6,482 |
| Core capital (leverage) ratio | 8.2761% | 5,912 |
| Tier 1 risk-based capital ratio | 12.3958% | 5,576 |
| Total risk-based capital ratio | 13.6617% | 5,506 |
| Memoranda: | ||
| Average total assets | $991,565,330 | 662 |
| Average earning assets | $868,905,000 | 689 |
| Average equity | $77,280,330 | 938 |
| Average total loans | $518,510,330 | 816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 6,184 |
| Cost of funding earning assets | 0.7458% | 1,881 |
| Net interest margin | 2.5369% | 6,459 |
| Noninterest income to average assets | 1.7561% | 522 |
| Noninterest expense to average assets | 3.5895% | 1,440 |
| Loan and lease loss provision to assets | 0.3470% | 948 |
| Net operating income to assets | 0.0406% | 6,275 |
| Return on assets (ROA) | 0.0942% | 6,253 |
| Pretax return on assets | 0.0942% | 6,267 |
| Return on Equity (ROE) | 1.1794% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.1794% | 5,377 |
| Net charge-offs to loans | 0.6558% | 934 |
| Credit loss provision to net charge-offs | 101.3825% | 1,803 |
| Earnings coverage of net charge-offs (x) | 1.1325% | 3,453 |
| Efficiency ratio | 90.2548% | 1,127 |
| Assets per employee ($millions) | 3.3030% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0916% | 599 |
| Loan loss allowance to noncurrent loans | 26.5158% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 8.5526% | 278 |
| Noncurrent loans to loans | 11.6597% | 143 |
| Net loans and leases to total assets | 50.9446% | 4,853 |
| Net loans and leases to deposits | 70.9987% | 3,327 |
| Net loans and leases to core deposits | 72.1559% | 3,801 |
| Total domestic deposits to total assets | 71.7543% | 6,670 |
| Equity capital to assets | 7.9512% | 6,406 |
| Core capital (leverage) ratio | 7.8061% | 6,280 |
| Tier 1 risk-based capital ratio | 11.4398% | 6,219 |
| Total risk-based capital ratio | 12.7036% | 6,184 |
| Memoranda: | ||
| Average total assets | $1,014,507,500 | 658 |
| Average earning assets | $888,167,000 | 679 |
| Average equity | $81,057,000 | 905 |
| Average total loans | $529,411,000 | 792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 6,104 |
| Cost of funding earning assets | 0.8574% | 2,239 |
| Net interest margin | 2.8115% | 6,369 |
| Noninterest income to average assets | 0.9422% | 1,733 |
| Noninterest expense to average assets | 3.8738% | 1,127 |
| Loan and lease loss provision to assets | 1.7357% | 152 |
| Net operating income to assets | -2.1006% | 6,943 |
| Return on assets (ROA) | -1.9999% | 6,933 |
| Pretax return on assets | -2.0752% | 6,939 |
| Return on Equity (ROE) | -23.3855% | 6,913 |
| Retained earnings to average equity (ytd only) | -23.3855% | 6,884 |
| Net charge-offs to loans | 2.5146% | 241 |
| Credit loss provision to net charge-offs | 135.3163% | 2,060 |
| Earnings coverage of net charge-offs (x) | -0.3464% | 5,632 |
| Efficiency ratio | 112.9581% | 291 |
| Assets per employee ($millions) | 3.1545% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0312% | 641 |
| Loan loss allowance to noncurrent loans | 27.2888% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 8.5466% | 310 |
| Noncurrent loans to loans | 11.1079% | 180 |
| Net loans and leases to total assets | 50.2404% | 5,138 |
| Net loans and leases to deposits | 70.1352% | 3,690 |
| Net loans and leases to core deposits | 71.4822% | 4,104 |
| Total domestic deposits to total assets | 71.6337% | 6,711 |
| Equity capital to assets | 8.0271% | 6,389 |
| Core capital (leverage) ratio | 7.3601% | 6,559 |
| Tier 1 risk-based capital ratio | 11.2053% | 6,271 |
| Total risk-based capital ratio | 12.4684% | 6,228 |
| Memoranda: | ||
| Average total assets | $1,113,897,200 | 593 |
| Average earning assets | $985,418,400 | 601 |
| Average equity | $95,259,800 | 742 |
| Average total loans | $568,204,600 | 732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 6,109 |
| Cost of funding earning assets | 0.8654% | 2,428 |
| Net interest margin | 2.8933% | 6,371 |
| Noninterest income to average assets | 1.1503% | 1,153 |
| Noninterest expense to average assets | 3.7389% | 1,308 |
| Loan and lease loss provision to assets | 1.5347% | 203 |
| Net operating income to assets | -1.5552% | 6,979 |
| Return on assets (ROA) | -1.4283% | 6,967 |
| Pretax return on assets | -1.4283% | 6,946 |
| Return on Equity (ROE) | -16.4713% | 6,951 |
| Retained earnings to average equity (ytd only) | -16.4713% | 6,930 |
| Net charge-offs to loans | 2.0322% | 352 |
| Credit loss provision to net charge-offs | 148.5835% | 1,908 |
| Earnings coverage of net charge-offs (x) | -0.0198% | 5,338 |
| Efficiency ratio | 100.5499% | 517 |
| Assets per employee ($millions) | 3.1175% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7334% | 950 |
| Loan loss allowance to noncurrent loans | 29.0651% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 7.3215% | 470 |
| Noncurrent loans to loans | 9.4045% | 284 |
| Net loans and leases to total assets | 49.7331% | 5,343 |
| Net loans and leases to deposits | 70.0993% | 3,882 |
| Net loans and leases to core deposits | 72.2801% | 4,213 |
| Total domestic deposits to total assets | 70.9467% | 6,797 |
| Equity capital to assets | 8.3396% | 6,389 |
| Core capital (leverage) ratio | 8.1326% | 6,205 |
| Tier 1 risk-based capital ratio | 12.2589% | 5,800 |
| Total risk-based capital ratio | 13.5194% | 5,765 |
| Memoranda: | ||
| Average total assets | $1,134,491,000 | 581 |
| Average earning assets | $1,006,974,750 | 592 |
| Average equity | $98,374,500 | 725 |
| Average total loans | $576,645,500 | 717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 5,944 |
| Cost of funding earning assets | 0.8906% | 2,479 |
| Net interest margin | 2.9956% | 6,252 |
| Noninterest income to average assets | 1.3585% | 778 |
| Noninterest expense to average assets | 3.8643% | 1,124 |
| Loan and lease loss provision to assets | 2.2002% | 115 |
| Net operating income to assets | -2.0475% | 7,070 |
| Return on assets (ROA) | -1.8887% | 7,070 |
| Pretax return on assets | -1.8887% | 7,056 |
| Return on Equity (ROE) | -21.5171% | 7,050 |
| Retained earnings to average equity (ytd only) | -21.5171% | 7,026 |
| Net charge-offs to loans | 1.4136% | 721 |
| Credit loss provision to net charge-offs | 306.7966% | 954 |
| Earnings coverage of net charge-offs (x) | 0.2129% | 4,965 |
| Efficiency ratio | 96.1988% | 695 |
| Assets per employee ($millions) | 2.9593% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4472% | 513 |
| Loan loss allowance to noncurrent loans | 46.9423% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 5.3557% | 853 |
| Noncurrent loans to loans | 7.3435% | 509 |
| Net loans and leases to total assets | 48.9243% | 5,498 |
| Net loans and leases to deposits | 68.3856% | 4,137 |
| Net loans and leases to core deposits | 70.5094% | 4,467 |
| Total domestic deposits to total assets | 71.5418% | 6,826 |
| Equity capital to assets | 8.3764% | 6,320 |
| Core capital (leverage) ratio | 8.0437% | 6,229 |
| Tier 1 risk-based capital ratio | 12.2923% | 5,731 |
| Total risk-based capital ratio | 13.5595% | 5,692 |
| Memoranda: | ||
| Average total assets | $1,144,793,330 | 578 |
| Average earning assets | $1,015,950,670 | 583 |
| Average equity | $100,487,670 | 710 |
| Average total loans | $580,770,330 | 710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 5,757 |
| Cost of funding earning assets | 0.9317% | 2,428 |
| Net interest margin | 3.0673% | 6,133 |
| Noninterest income to average assets | 1.2763% | 869 |
| Noninterest expense to average assets | 3.5971% | 1,564 |
| Loan and lease loss provision to assets | 1.7878% | 178 |
| Net operating income to assets | -1.3837% | 7,070 |
| Return on assets (ROA) | -1.1478% | 7,042 |
| Pretax return on assets | -1.1478% | 7,011 |
| Return on Equity (ROE) | -12.7913% | 7,036 |
| Retained earnings to average equity (ytd only) | -12.7913% | 6,919 |
| Net charge-offs to loans | 1.2166% | 845 |
| Credit loss provision to net charge-offs | 289.5121% | 1,019 |
| Earnings coverage of net charge-offs (x) | 0.6545% | 4,006 |
| Efficiency ratio | 89.8987% | 1,106 |
| Assets per employee ($millions) | 3.0083% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 1,286 |
| Loan loss allowance to noncurrent loans | 47.4562% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 4.1448% | 1,319 |
| Noncurrent loans to loans | 5.3767% | 1,007 |
| Net loans and leases to total assets | 48.0469% | 5,548 |
| Net loans and leases to deposits | 66.6115% | 4,292 |
| Net loans and leases to core deposits | 68.5971% | 4,611 |
| Total domestic deposits to total assets | 72.1301% | 6,870 |
| Equity capital to assets | 8.7298% | 5,839 |
| Core capital (leverage) ratio | 8.5669% | 5,484 |
| Tier 1 risk-based capital ratio | 13.1317% | 5,109 |
| Total risk-based capital ratio | 14.3901% | 5,074 |
| Memoranda: | ||
| Average total assets | $1,154,916,000 | 575 |
| Average earning assets | $1,026,053,000 | 580 |
| Average equity | $103,633,000 | 683 |
| Average total loans | $586,245,500 | 704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 5,298 |
| Cost of funding earning assets | 1.0524% | 3,000 |
| Net interest margin | 3.3808% | 5,543 |
| Noninterest income to average assets | 1.0679% | 1,172 |
| Noninterest expense to average assets | 3.6529% | 1,631 |
| Loan and lease loss provision to assets | 0.5840% | 1,771 |
| Net operating income to assets | -0.1306% | 6,187 |
| Return on assets (ROA) | 0.0491% | 6,073 |
| Pretax return on assets | 0.0123% | 6,103 |
| Return on Equity (ROE) | 0.5665% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.5665% | 5,580 |
| Net charge-offs to loans | 1.4582% | 1,107 |
| Credit loss provision to net charge-offs | 74.6244% | 4,685 |
| Earnings coverage of net charge-offs (x) | 0.5323% | 5,428 |
| Efficiency ratio | 89.7645% | 1,213 |
| Assets per employee ($millions) | 2.8866% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,710 |
| Loan loss allowance to noncurrent loans | 36.9889% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 3.8841% | 1,485 |
| Noncurrent loans to loans | 5.0015% | 1,123 |
| Net loans and leases to total assets | 51.2515% | 5,434 |
| Net loans and leases to deposits | 72.8993% | 3,680 |
| Net loans and leases to core deposits | 75.2967% | 4,067 |
| Total domestic deposits to total assets | 70.3045% | 6,968 |
| Equity capital to assets | 9.2167% | 5,263 |
| Core capital (leverage) ratio | 8.7553% | 5,163 |
| Tier 1 risk-based capital ratio | 13.5075% | 4,690 |
| Total risk-based capital ratio | 14.7603% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,182,398,600 | 549 |
| Average earning assets | $1,049,765,400 | 556 |
| Average equity | $102,551,400 | 670 |
| Average total loans | $634,528,400 | 646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 5,012 |
| Cost of funding earning assets | 1.0782% | 3,122 |
| Net interest margin | 3.4877% | 5,233 |
| Noninterest income to average assets | 1.3159% | 756 |
| Noninterest expense to average assets | 3.7150% | 1,464 |
| Loan and lease loss provision to assets | 0.6283% | 1,554 |
| Net operating income to assets | 0.0643% | 6,035 |
| Return on assets (ROA) | 0.2225% | 5,774 |
| Pretax return on assets | 0.2386% | 5,824 |
| Return on Equity (ROE) | 2.6053% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.6053% | 4,804 |
| Net charge-offs to loans | 1.8259% | 728 |
| Credit loss provision to net charge-offs | 63.7077% | 4,679 |
| Earnings coverage of net charge-offs (x) | 0.7064% | 5,096 |
| Efficiency ratio | 84.2075% | 1,713 |
| Assets per employee ($millions) | 2.9373% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 3,277 |
| Loan loss allowance to noncurrent loans | 44.4603% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 3.5368% | 1,779 |
| Noncurrent loans to loans | 3.8197% | 1,760 |
| Net loans and leases to total assets | 50.5354% | 5,631 |
| Net loans and leases to deposits | 72.1765% | 3,957 |
| Net loans and leases to core deposits | 75.4107% | 4,262 |
| Total domestic deposits to total assets | 70.0164% | 7,041 |
| Equity capital to assets | 9.2432% | 5,456 |
| Core capital (leverage) ratio | 8.8792% | 5,140 |
| Tier 1 risk-based capital ratio | 13.5852% | 4,667 |
| Total risk-based capital ratio | 14.8365% | 4,638 |
| Memoranda: | ||
| Average total assets | $1,189,339,750 | 553 |
| Average earning assets | $1,055,714,750 | 563 |
| Average equity | $101,584,500 | 684 |
| Average total loans | $642,430,250 | 651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 4,762 |
| Cost of funding earning assets | 1.1212% | 3,092 |
| Net interest margin | 3.5276% | 5,025 |
| Noninterest income to average assets | 1.3706% | 677 |
| Noninterest expense to average assets | 3.7625% | 1,418 |
| Loan and lease loss provision to assets | 0.5209% | 1,877 |
| Net operating income to assets | 0.2035% | 5,729 |
| Return on assets (ROA) | 0.2543% | 5,667 |
| Pretax return on assets | 0.2696% | 5,749 |
| Return on Equity (ROE) | 3.0606% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.0606% | 4,331 |
| Net charge-offs to loans | 1.4888% | 999 |
| Credit loss provision to net charge-offs | 63.7577% | 4,244 |
| Earnings coverage of net charge-offs (x) | 0.9014% | 4,623 |
| Efficiency ratio | 83.6304% | 1,865 |
| Assets per employee ($millions) | 2.7984% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 2,857 |
| Loan loss allowance to noncurrent loans | 48.4760% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 3.4195% | 1,931 |
| Noncurrent loans to loans | 3.7990% | 1,841 |
| Net loans and leases to total assets | 53.1011% | 5,416 |
| Net loans and leases to deposits | 74.3713% | 3,743 |
| Net loans and leases to core deposits | 78.2505% | 4,027 |
| Total domestic deposits to total assets | 71.4000% | 7,039 |
| Equity capital to assets | 9.1150% | 5,408 |
| Core capital (leverage) ratio | 8.6574% | 5,288 |
| Tier 1 risk-based capital ratio | 13.4776% | 4,544 |
| Total risk-based capital ratio | 14.7311% | 4,518 |
| Memoranda: | ||
| Average total assets | $1,192,186,670 | 560 |
| Average earning assets | $1,057,260,000 | 569 |
| Average equity | $99,064,670 | 695 |
| Average total loans | $654,230,330 | 650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 4,857 |
| Cost of funding earning assets | 1.1700% | 3,018 |
| Net interest margin | 3.4508% | 5,222 |
| Noninterest income to average assets | 1.2828% | 775 |
| Noninterest expense to average assets | 3.8148% | 1,311 |
| Loan and lease loss provision to assets | 0.8022% | 1,051 |
| Net operating income to assets | -0.2842% | 6,644 |
| Return on assets (ROA) | -0.2485% | 6,621 |
| Pretax return on assets | -0.2398% | 6,567 |
| Return on Equity (ROE) | -3.1400% | 6,681 |
| Retained earnings to average equity (ytd only) | -3.1400% | 6,319 |
| Net charge-offs to loans | 2.5050% | 460 |
| Credit loss provision to net charge-offs | 57.9518% | 3,581 |
| Earnings coverage of net charge-offs (x) | 0.3805% | 4,334 |
| Efficiency ratio | 87.8688% | 1,530 |
| Assets per employee ($millions) | 2.6668% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 3,016 |
| Loan loss allowance to noncurrent loans | 44.5240% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 4.2298% | 1,558 |
| Noncurrent loans to loans | 4.0416% | 1,794 |
| Net loans and leases to total assets | 53.2266% | 5,416 |
| Net loans and leases to deposits | 74.4728% | 3,686 |
| Net loans and leases to core deposits | 79.1030% | 3,867 |
| Total domestic deposits to total assets | 71.4711% | 7,110 |
| Equity capital to assets | 8.0548% | 6,450 |
| Core capital (leverage) ratio | 8.1477% | 6,060 |
| Tier 1 risk-based capital ratio | 12.6984% | 5,067 |
| Total risk-based capital ratio | 13.9516% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,199,225,500 | 558 |
| Average earning assets | $1,062,944,500 | 569 |
| Average equity | $94,904,500 | 711 |
| Average total loans | $662,682,500 | 646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 4,705 |
| Cost of funding earning assets | 1.3233% | 3,731 |
| Net interest margin | 3.6444% | 4,600 |
| Noninterest income to average assets | 1.1875% | 1,056 |
| Noninterest expense to average assets | 3.9256% | 1,267 |
| Loan and lease loss provision to assets | 1.1946% | 1,316 |
| Net operating income to assets | -0.6764% | 6,495 |
| Return on assets (ROA) | -0.3759% | 6,316 |
| Pretax return on assets | -0.3833% | 6,230 |
| Return on Equity (ROE) | -4.8077% | 6,416 |
| Retained earnings to average equity (ytd only) | -6.4599% | 6,424 |
| Net charge-offs to loans | 2.1605% | 908 |
| Credit loss provision to net charge-offs | 90.6356% | 5,105 |
| Earnings coverage of net charge-offs (x) | 0.3829% | 5,727 |
| Efficiency ratio | 88.6096% | 1,431 |
| Assets per employee ($millions) | 2.6571% | 6,759 |
| Cash dividends to net income (ytd only)* | -34.3669% | 7,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 2,273 |
| Loan loss allowance to noncurrent loans | 46.8137% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 4.4211% | 1,508 |
| Noncurrent loans to loans | 4.2919% | 1,680 |
| Net loans and leases to total assets | 55.1957% | 5,458 |
| Net loans and leases to deposits | 78.1390% | 3,490 |
| Net loans and leases to core deposits | 83.4298% | 3,680 |
| Total domestic deposits to total assets | 70.6379% | 7,197 |
| Equity capital to assets | 7.7713% | 6,693 |
| Core capital (leverage) ratio | 7.9746% | 6,237 |
| Tier 1 risk-based capital ratio | 12.4688% | 5,047 |
| Total risk-based capital ratio | 13.7245% | 5,030 |
| Memoranda: | ||
| Average total assets | $1,235,576,000 | 542 |
| Average earning assets | $1,099,416,400 | 547 |
| Average equity | $96,595,800 | 695 |
| Average total loans | $753,755,600 | 575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 4,594 |
| Cost of funding earning assets | 1.3581% | 3,845 |
| Net interest margin | 3.6908% | 4,456 |
| Noninterest income to average assets | 1.2903% | 828 |
| Noninterest expense to average assets | 3.6986% | 1,568 |
| Loan and lease loss provision to assets | 0.7914% | 1,924 |
| Net operating income to assets | 0.0806% | 5,819 |
| Return on assets (ROA) | 0.2674% | 5,450 |
| Pretax return on assets | 0.2851% | 5,545 |
| Return on Equity (ROE) | 3.4150% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.2340% | 5,321 |
| Net charge-offs to loans | 1.2398% | 1,645 |
| Credit loss provision to net charge-offs | 102.7504% | 4,184 |
| Earnings coverage of net charge-offs (x) | 1.1397% | 4,917 |
| Efficiency ratio | 80.8182% | 2,243 |
| Assets per employee ($millions) | 2.7251% | 6,732 |
| Cash dividends to net income (ytd only)* | 63.8656% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 2,027 |
| Loan loss allowance to noncurrent loans | 48.9912% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 5.0262% | 1,278 |
| Noncurrent loans to loans | 4.2640% | 1,705 |
| Net loans and leases to total assets | 58.0625% | 5,255 |
| Net loans and leases to deposits | 82.5632% | 2,994 |
| Net loans and leases to core deposits | 88.6845% | 3,287 |
| Total domestic deposits to total assets | 70.3249% | 7,258 |
| Equity capital to assets | 8.7420% | 5,952 |
| Core capital (leverage) ratio | 8.3406% | 5,804 |
| Tier 1 risk-based capital ratio | 12.4533% | 5,029 |
| Total risk-based capital ratio | 13.7107% | 4,996 |
| Memoranda: | ||
| Average total assets | $1,246,210,000 | 535 |
| Average earning assets | $1,109,586,250 | 543 |
| Average equity | $97,566,000 | 687 |
| Average total loans | $774,192,250 | 560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 4,415 |
| Cost of funding earning assets | 1.3889% | 3,946 |
| Net interest margin | 3.7185% | 4,276 |
| Noninterest income to average assets | 1.2267% | 860 |
| Noninterest expense to average assets | 3.6851% | 1,581 |
| Loan and lease loss provision to assets | 0.5505% | 2,573 |
| Net operating income to assets | 0.2982% | 5,185 |
| Return on assets (ROA) | 0.3866% | 4,978 |
| Pretax return on assets | 0.4126% | 5,187 |
| Return on Equity (ROE) | 5.1339% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.7481% | 4,995 |
| Net charge-offs to loans | 1.0589% | 1,774 |
| Credit loss provision to net charge-offs | 82.4599% | 4,642 |
| Earnings coverage of net charge-offs (x) | 1.3017% | 4,528 |
| Efficiency ratio | 80.9176% | 2,311 |
| Assets per employee ($millions) | 2.6717% | 6,823 |
| Cash dividends to net income (ytd only)* | 65.9504% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 2,534 |
| Loan loss allowance to noncurrent loans | 45.7540% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.8803% | 1,785 |
| Noncurrent loans to loans | 4.0700% | 1,856 |
| Net loans and leases to total assets | 60.7671% | 4,915 |
| Net loans and leases to deposits | 84.7107% | 2,752 |
| Net loans and leases to core deposits | 91.5004% | 3,057 |
| Total domestic deposits to total assets | 71.7348% | 7,200 |
| Equity capital to assets | 8.0399% | 6,712 |
| Core capital (leverage) ratio | 7.7260% | 6,580 |
| Tier 1 risk-based capital ratio | 11.4935% | 5,778 |
| Total risk-based capital ratio | 12.7491% | 5,738 |
| Memoranda: | ||
| Average total assets | $1,251,945,000 | 534 |
| Average earning assets | $1,120,298,000 | 538 |
| Average equity | $94,274,670 | 702 |
| Average total loans | $789,317,670 | 552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 4,369 |
| Cost of funding earning assets | 1.4203% | 4,045 |
| Net interest margin | 3.7148% | 4,166 |
| Noninterest income to average assets | 1.1576% | 923 |
| Noninterest expense to average assets | 3.6967% | 1,527 |
| Loan and lease loss provision to assets | 0.3803% | 3,085 |
| Net operating income to assets | 0.3812% | 4,920 |
| Return on assets (ROA) | 0.3850% | 5,042 |
| Pretax return on assets | 0.4127% | 5,250 |
| Return on Equity (ROE) | 5.2895% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.9745% | 4,343 |
| Net charge-offs to loans | 0.5274% | 2,484 |
| Credit loss provision to net charge-offs | 113.3649% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.3517% | 3,367 |
| Efficiency ratio | 82.4142% | 2,221 |
| Assets per employee ($millions) | 2.6265% | 6,989 |
| Cash dividends to net income (ytd only)* | 43.7655% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 2,398 |
| Loan loss allowance to noncurrent loans | 46.9278% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.8089% | 1,825 |
| Noncurrent loans to loans | 4.0801% | 1,907 |
| Net loans and leases to total assets | 62.5443% | 4,649 |
| Net loans and leases to deposits | 87.7230% | 2,275 |
| Net loans and leases to core deposits | 94.3591% | 2,793 |
| Total domestic deposits to total assets | 71.2975% | 7,323 |
| Equity capital to assets | 7.4358% | 7,118 |
| Core capital (leverage) ratio | 7.2314% | 7,082 |
| Tier 1 risk-based capital ratio | 10.3788% | 6,733 |
| Total risk-based capital ratio | 11.6348% | 6,727 |
| Memoranda: | ||
| Average total assets | $1,258,086,000 | 547 |
| Average earning assets | $1,127,066,000 | 550 |
| Average equity | $91,578,000 | 721 |
| Average total loans | $800,176,000 | 570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 4,449 |
| Cost of funding earning assets | 1.7777% | 4,114 |
| Net interest margin | 3.6695% | 4,256 |
| Noninterest income to average assets | 1.4622% | 671 |
| Noninterest expense to average assets | 3.4985% | 2,375 |
| Loan and lease loss provision to assets | 0.7819% | 2,782 |
| Net operating income to assets | 0.5080% | 3,700 |
| Return on assets (ROA) | 0.8624% | 2,370 |
| Pretax return on assets | 0.8756% | 3,002 |
| Return on Equity (ROE) | 12.4132% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.2158% | 2,268 |
| Net charge-offs to loans | 1.1853% | 2,069 |
| Credit loss provision to net charge-offs | 106.1888% | 5,218 |
| Earnings coverage of net charge-offs (x) | 1.7599% | 4,406 |
| Efficiency ratio | 72.9711% | 4,102 |
| Assets per employee ($millions) | 2.8244% | 6,617 |
| Cash dividends to net income (ytd only)* | 66.0381% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 2,377 |
| Loan loss allowance to noncurrent loans | 50.0483% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 3.4961% | 1,924 |
| Noncurrent loans to loans | 3.7152% | 2,025 |
| Net loans and leases to total assets | 62.2644% | 4,935 |
| Net loans and leases to deposits | 87.3668% | 2,671 |
| Net loans and leases to core deposits | 107.5784% | 3,149 |
| Total domestic deposits to total assets | 71.2678% | 7,311 |
| Equity capital to assets | 7.1263% | 7,311 |
| Core capital (leverage) ratio | 6.7127% | 7,405 |
| Tier 1 risk-based capital ratio | 9.9686% | 6,900 |
| Total risk-based capital ratio | 11.2238% | 6,873 |
| Memoranda: | ||
| Average total assets | $1,303,536,800 | 518 |
| Average earning assets | $1,183,698,400 | 517 |
| Average equity | $90,564,800 | 716 |
| Average total loans | $809,765,600 | 570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 4,492 |
| Cost of funding earning assets | 1.7964% | 4,400 |
| Net interest margin | 3.6890% | 4,117 |
| Noninterest income to average assets | 1.3464% | 839 |
| Noninterest expense to average assets | 3.3800% | 2,634 |
| Loan and lease loss provision to assets | 0.4619% | 3,602 |
| Net operating income to assets | 0.8249% | 2,710 |
| Return on assets (ROA) | 1.0559% | 1,942 |
| Pretax return on assets | 1.1071% | 2,541 |
| Return on Equity (ROE) | 15.2934% | 737 |
| Retained earnings to average equity (ytd only) | 6.8940% | 1,547 |
| Net charge-offs to loans | 1.1301% | 1,776 |
| Credit loss provision to net charge-offs | 66.1424% | 6,062 |
| Earnings coverage of net charge-offs (x) | 1.8985% | 4,386 |
| Efficiency ratio | 71.8247% | 4,275 |
| Assets per employee ($millions) | 3.1656% | 5,740 |
| Cash dividends to net income (ytd only)* | 54.9220% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 3,427 |
| Loan loss allowance to noncurrent loans | 40.8571% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 3.2629% | 2,074 |
| Noncurrent loans to loans | 3.6763% | 2,031 |
| Net loans and leases to total assets | 57.9276% | 5,903 |
| Net loans and leases to deposits | 78.9634% | 4,569 |
| Net loans and leases to core deposits | 103.3938% | 4,011 |
| Total domestic deposits to total assets | 73.3600% | 7,041 |
| Equity capital to assets | 6.9317% | 7,627 |
| Core capital (leverage) ratio | 6.6766% | 7,597 |
| Tier 1 risk-based capital ratio | 9.8951% | 7,060 |
| Total risk-based capital ratio | 11.1459% | 7,022 |
| Memoranda: | ||
| Average total assets | $1,310,965,500 | 529 |
| Average earning assets | $1,193,885,750 | 522 |
| Average equity | $90,511,750 | 717 |
| Average total loans | $810,165,750 | 582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5609% | 4,278 |
| Cost of funding earning assets | 1.7672% | 4,919 |
| Net interest margin | 3.7937% | 3,580 |
| Noninterest income to average assets | 1.3465% | 843 |
| Noninterest expense to average assets | 3.2863% | 3,018 |
| Loan and lease loss provision to assets | 0.3489% | 3,833 |
| Net operating income to assets | 1.1184% | 1,710 |
| Return on assets (ROA) | 1.4188% | 1,056 |
| Pretax return on assets | 1.4825% | 1,495 |
| Return on Equity (ROE) | 20.5794% | 299 |
| Retained earnings to average equity (ytd only) | 9.9718% | 744 |
| Net charge-offs to loans | 0.9082% | 1,887 |
| Credit loss provision to net charge-offs | 61.1126% | 5,575 |
| Earnings coverage of net charge-offs (x) | 2.6600% | 3,746 |
| Efficiency ratio | 68.3970% | 5,090 |
| Assets per employee ($millions) | 3.0938% | 5,886 |
| Cash dividends to net income (ytd only)* | 51.5449% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 2,670 |
| Loan loss allowance to noncurrent loans | 72.0501% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 2.7065% | 2,371 |
| Noncurrent loans to loans | 2.2451% | 3,193 |
| Net loans and leases to total assets | 60.8482% | 5,545 |
| Net loans and leases to deposits | 83.9001% | 3,898 |
| Net loans and leases to core deposits | 110.8052% | 3,288 |
| Total domestic deposits to total assets | 72.5246% | 7,181 |
| Equity capital to assets | 7.1469% | 7,522 |
| Core capital (leverage) ratio | 7.1032% | 7,449 |
| Tier 1 risk-based capital ratio | 9.8110% | 7,125 |
| Total risk-based capital ratio | 11.0629% | 7,065 |
| Memoranda: | ||
| Average total assets | $1,291,055,330 | 548 |
| Average earning assets | $1,176,897,000 | 542 |
| Average equity | $89,011,330 | 741 |
| Average total loans | $811,514,670 | 601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,765 |
| Cost of funding earning assets | 1.7587% | 5,319 |
| Net interest margin | 3.9488% | 2,853 |
| Noninterest income to average assets | 1.3182% | 822 |
| Noninterest expense to average assets | 3.4272% | 2,287 |
| Loan and lease loss provision to assets | 0.3730% | 3,088 |
| Net operating income to assets | 1.0840% | 2,019 |
| Return on assets (ROA) | 1.6331% | 817 |
| Pretax return on assets | 1.7036% | 1,169 |
| Return on Equity (ROE) | 24.1330% | 213 |
| Retained earnings to average equity (ytd only) | 20.0266% | 160 |
| Net charge-offs to loans | 0.2379% | 3,213 |
| Credit loss provision to net charge-offs | 247.4227% | 1,895 |
| Earnings coverage of net charge-offs (x) | 9.9814% | 1,992 |
| Efficiency ratio | 69.4901% | 4,679 |
| Assets per employee ($millions) | 3.3095% | 5,308 |
| Cash dividends to net income (ytd only)* | 17.0156% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 1,718 |
| Loan loss allowance to noncurrent loans | 79.4004% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 2,758 |
| Noncurrent loans to loans | 2.3410% | 2,810 |
| Net loans and leases to total assets | 61.8093% | 5,374 |
| Net loans and leases to deposits | 84.6596% | 3,872 |
| Net loans and leases to core deposits | 104.0809% | 4,133 |
| Total domestic deposits to total assets | 73.0092% | 7,051 |
| Equity capital to assets | 7.1826% | 7,581 |
| Core capital (leverage) ratio | 7.1045% | 7,555 |
| Tier 1 risk-based capital ratio | 9.9632% | 6,970 |
| Total risk-based capital ratio | 11.2184% | 6,863 |
| Memoranda: | ||
| Average total assets | $1,286,887,500 | 550 |
| Average earning assets | $1,177,687,000 | 546 |
| Average equity | $87,084,000 | 764 |
| Average total loans | $815,444,000 | 605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2598% | 4,184 |
| Cost of funding earning assets | 2.5061% | 4,178 |
| Net interest margin | 3.7538% | 4,212 |
| Noninterest income to average assets | 1.5000% | 620 |
| Noninterest expense to average assets | 3.0647% | 3,842 |
| Loan and lease loss provision to assets | 1.2970% | 1,095 |
| Net operating income to assets | 0.5559% | 4,500 |
| Return on assets (ROA) | 0.6008% | 4,164 |
| Pretax return on assets | 0.6484% | 4,549 |
| Return on Equity (ROE) | 8.5312% | 2,822 |
| Retained earnings to average equity (ytd only) | -6.8631% | 6,765 |
| Net charge-offs to loans | 0.6815% | 1,806 |
| Credit loss provision to net charge-offs | 300.9047% | 1,498 |
| Earnings coverage of net charge-offs (x) | 4.4014% | 3,996 |
| Efficiency ratio | 61.7656% | 5,997 |
| Assets per employee ($millions) | 3.3328% | 5,136 |
| Cash dividends to net income (ytd only)* | 180.4477% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,709 |
| Loan loss allowance to noncurrent loans | 120.0349% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 3,086 |
| Noncurrent loans to loans | 1.4737% | 3,590 |
| Net loans and leases to total assets | 62.6277% | 5,520 |
| Net loans and leases to deposits | 97.2735% | 2,237 |
| Net loans and leases to core deposits | 117.6499% | 2,930 |
| Total domestic deposits to total assets | 64.3831% | 7,765 |
| Equity capital to assets | 6.3469% | 7,983 |
| Core capital (leverage) ratio | 6.7899% | 7,821 |
| Tier 1 risk-based capital ratio | 9.6531% | 7,142 |
| Total risk-based capital ratio | 10.9076% | 7,030 |
| Memoranda: | ||
| Average total assets | $1,256,527,400 | 538 |
| Average earning assets | $1,158,813,800 | 529 |
| Average equity | $88,487,400 | 754 |
| Average total loans | $794,758,000 | 597 |