Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 3,212 |
| Cost of funding earning assets | 1.1708% | 2,885 |
| Net interest margin | 3.2668% | 2,716 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.4710% | 2,382 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1254% | 1,837 |
| Return on assets (ROA) | 1.0715% | 1,972 |
| Pretax return on assets | 1.4027% | 1,627 |
| Return on Equity (ROE) | 14.4100% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.8831% | 648 |
| Net charge-offs to loans | -0.0080% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7577% | 2,867 |
| Assets per employee ($millions) | 6.9064% | 2,132 |
| Cash dividends to net income (ytd only)* | 17.5138% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 746 |
| Loan loss allowance to noncurrent loans | 1,689.7810% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,191 |
| Noncurrent loans to loans | 0.0981% | 3,047 |
| Net loans and leases to total assets | 58.5000% | 2,991 |
| Net loans and leases to deposits | 64.1600% | 3,284 |
| Net loans and leases to core deposits | 65.3010% | 3,530 |
| Total domestic deposits to total assets | 91.1800% | 458 |
| Equity capital to assets | 8.2228% | 3,262 |
| Core capital (leverage) ratio | 8.9768% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3775% | 1,426 |
| Memoranda: | ||
| Average total assets | $708,707,000 | 1,296 |
| Average earning assets | $659,458,600 | 1,296 |
| Average equity | $52,713,600 | 1,536 |
| Average total loans | $400,995,600 | 1,467 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 3,159 |
| Cost of funding earning assets | 1.1298% | 2,660 |
| Net interest margin | 3.2411% | 2,820 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.4631% | 2,340 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1419% | 1,936 |
| Return on assets (ROA) | 1.0702% | 2,134 |
| Pretax return on assets | 1.4014% | 1,776 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 13.2758% | 778 |
| Net charge-offs to loans | -0.0108% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.3570% | 2,799 |
| Assets per employee ($millions) | 6.6182% | 2,233 |
| Cash dividends to net income (ytd only)* | 10.1457% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 756 |
| Loan loss allowance to noncurrent loans | 525.8263% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,342 |
| Noncurrent loans to loans | 0.3172% | 2,095 |
| Net loans and leases to total assets | 58.0400% | 3,027 |
| Net loans and leases to deposits | 63.3228% | 3,302 |
| Net loans and leases to core deposits | 64.4303% | 3,506 |
| Total domestic deposits to total assets | 91.6500% | 531 |
| Equity capital to assets | 7.6172% | 3,283 |
| Core capital (leverage) ratio | 8.7275% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5946% | 1,400 |
| Memoranda: | ||
| Average total assets | $709,769,750 | 1,288 |
| Average earning assets | $660,162,750 | 1,286 |
| Average equity | $51,410,500 | 1,560 |
| Average total loans | $396,484,500 | 1,473 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 3,226 |
| Cost of funding earning assets | 1.0905% | 2,306 |
| Net interest margin | 3.1415% | 3,132 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.3592% | 2,618 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1416% | 1,999 |
| Return on assets (ROA) | 1.0348% | 2,300 |
| Pretax return on assets | 1.3549% | 1,931 |
| Return on Equity (ROE) | 14.5300% | 1,568 |
| Retained earnings to average equity (ytd only) | 12.2586% | 942 |
| Net charge-offs to loans | 0.0015% | 2,339 |
| Credit loss provision to net charge-offs | 7,000.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 1,845.0000% | 72 |
| Efficiency ratio | 60.3680% | 2,917 |
| Assets per employee ($millions) | 6.8614% | 2,033 |
| Cash dividends to net income (ytd only)* | 15.6301% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 711 |
| Loan loss allowance to noncurrent loans | 288.2151% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,628 |
| Noncurrent loans to loans | 0.5979% | 1,247 |
| Net loans and leases to total assets | 53.0400% | 3,339 |
| Net loans and leases to deposits | 57.5528% | 3,558 |
| Net loans and leases to core deposits | 58.4798% | 3,695 |
| Total domestic deposits to total assets | 92.1600% | 381 |
| Equity capital to assets | 7.2329% | 3,674 |
| Core capital (leverage) ratio | 8.3083% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6922% | 1,385 |
| Memoranda: | ||
| Average total assets | $714,722,000 | 1,275 |
| Average earning assets | $666,679,667 | 1,273 |
| Average equity | $50,903,000 | 1,578 |
| Average total loans | $391,927,667 | 1,475 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,371 |
| Cost of funding earning assets | 1.0045% | 2,036 |
| Net interest margin | 3.0388% | 3,501 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 2.3123% | 2,784 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1831% | 1,980 |
| Return on assets (ROA) | 0.9687% | 2,590 |
| Pretax return on assets | 1.2671% | 2,263 |
| Return on Equity (ROE) | 13.7100% | 1,831 |
| Retained earnings to average equity (ytd only) | 13.7097% | 977 |
| Net charge-offs to loans | 0.0030% | 1,902 |
| Credit loss provision to net charge-offs | 3,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 947.6667% | 110 |
| Efficiency ratio | 59.1406% | 3,059 |
| Assets per employee ($millions) | 7.1809% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 824 |
| Loan loss allowance to noncurrent loans | 281.0396% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,567 |
| Noncurrent loans to loans | 0.6018% | 1,235 |
| Net loans and leases to total assets | 52.3400% | 3,326 |
| Net loans and leases to deposits | 56.7461% | 3,529 |
| Net loans and leases to core deposits | 57.6729% | 3,650 |
| Total domestic deposits to total assets | 92.2400% | 462 |
| Equity capital to assets | 7.1313% | 3,770 |
| Core capital (leverage) ratio | 8.4423% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4886% | 1,494 |
| Memoranda: | ||
| Average total assets | $711,858,500 | 1,300 |
| Average earning assets | $663,416,000 | 1,296 |
| Average equity | $50,300,000 | 1,608 |
| Average total loans | $393,474,500 | 1,489 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 2,563 |
| Cost of funding earning assets | 0.3289% | 2,645 |
| Net interest margin | 3.3579% | 2,390 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.2829% | 2,795 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0611% | 2,329 |
| Return on assets (ROA) | 1.0611% | 2,272 |
| Pretax return on assets | 1.3769% | 1,838 |
| Return on Equity (ROE) | 14.5300% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.0141% | 664 |
| Net charge-offs to loans | -0.0332% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.2980% | 2,872 |
| Assets per employee ($millions) | 6.9126% | 2,033 |
| Cash dividends to net income (ytd only)* | 17.3372% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 703 |
| Loan loss allowance to noncurrent loans | 268.8914% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 1,358 |
| Noncurrent loans to loans | 0.6568% | 1,134 |
| Net loans and leases to total assets | 56.4100% | 2,984 |
| Net loans and leases to deposits | 60.9861% | 3,274 |
| Net loans and leases to core deposits | 62.0670% | 3,386 |
| Total domestic deposits to total assets | 92.5000% | 521 |
| Equity capital to assets | 6.9968% | 3,671 |
| Core capital (leverage) ratio | 8.4808% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1022% | 1,601 |
| Memoranda: | ||
| Average total assets | $651,189,000 | 1,374 |
| Average earning assets | $597,367,600 | 1,390 |
| Average equity | $47,544,000 | 1,685 |
| Average total loans | $370,858,800 | 1,487 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 2,422 |
| Cost of funding earning assets | 0.2066% | 3,196 |
| Net interest margin | 3.3625% | 2,093 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.2485% | 2,796 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0664% | 2,227 |
| Return on assets (ROA) | 1.0664% | 2,184 |
| Pretax return on assets | 1.3779% | 1,788 |
| Return on Equity (ROE) | 14.4400% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.9983% | 615 |
| Net charge-offs to loans | -0.0414% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9046% | 2,993 |
| Assets per employee ($millions) | 6.7236% | 2,144 |
| Cash dividends to net income (ytd only)* | 10.0039% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 691 |
| Loan loss allowance to noncurrent loans | 288.5726% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,509 |
| Noncurrent loans to loans | 0.6334% | 1,283 |
| Net loans and leases to total assets | 55.6200% | 2,940 |
| Net loans and leases to deposits | 60.0832% | 3,197 |
| Net loans and leases to core deposits | 61.1748% | 3,290 |
| Total domestic deposits to total assets | 92.5800% | 688 |
| Equity capital to assets | 6.8017% | 3,615 |
| Core capital (leverage) ratio | 8.3264% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0584% | 1,692 |
| Memoranda: | ||
| Average total assets | $641,171,000 | 1,401 |
| Average earning assets | $585,375,750 | 1,424 |
| Average equity | $47,338,500 | 1,705 |
| Average total loans | $364,336,250 | 1,496 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 2,177 |
| Cost of funding earning assets | 0.1459% | 3,626 |
| Net interest margin | 3.3419% | 1,786 |
| Noninterest income to average assets | 0.6060% | 1,714 |
| Noninterest expense to average assets | 2.2780% | 2,613 |
| Loan and lease loss provision to assets | 0.0663% | 1,421 |
| Net operating income to assets | 1.0224% | 2,080 |
| Return on assets (ROA) | 1.0224% | 2,046 |
| Pretax return on assets | 1.3077% | 1,724 |
| Return on Equity (ROE) | 13.4759% | 1,250 |
| Retained earnings to average equity (ytd only) | 11.3396% | 731 |
| Net charge-offs to loans | -0.0206% | 3,887 |
| Credit loss provision to net charge-offs | -567.5676% | 3,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3756% | 3,000 |
| Assets per employee ($millions) | 6.7522% | 2,117 |
| Cash dividends to net income (ytd only)* | 15.8529% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 678 |
| Loan loss allowance to noncurrent loans | 308.2645% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 1,668 |
| Noncurrent loans to loans | 0.6130% | 1,387 |
| Net loans and leases to total assets | 53.2216% | 3,041 |
| Net loans and leases to deposits | 57.5547% | 3,262 |
| Net loans and leases to core deposits | 58.4586% | 3,391 |
| Total domestic deposits to total assets | 92.4715% | 666 |
| Equity capital to assets | 7.0313% | 3,751 |
| Core capital (leverage) ratio | 8.2277% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4238% | 1,593 |
| Memoranda: | ||
| Average total assets | $633,014,333 | 1,426 |
| Average earning assets | $576,984,667 | 1,452 |
| Average equity | $48,026,333 | 1,734 |
| Average total loans | $360,064,667 | 1,503 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 1,277 |
| Cost of funding earning assets | 0.1456% | 3,557 |
| Net interest margin | 3.5507% | 981 |
| Noninterest income to average assets | 0.6045% | 1,674 |
| Noninterest expense to average assets | 2.2449% | 2,705 |
| Loan and lease loss provision to assets | 0.0675% | 1,213 |
| Net operating income to assets | 1.1556% | 1,364 |
| Return on assets (ROA) | 1.1556% | 1,363 |
| Pretax return on assets | 1.5214% | 977 |
| Return on Equity (ROE) | 14.6653% | 710 |
| Retained earnings to average equity (ytd only) | 14.6653% | 317 |
| Net charge-offs to loans | -0.0298% | 4,083 |
| Credit loss provision to net charge-offs | -388.8889% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5542% | 3,627 |
| Assets per employee ($millions) | 6.2899% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.7615% | 2,790 |
| Net loans and leases to deposits | 58.3956% | 3,041 |
| Net loans and leases to core deposits | 59.3211% | 3,206 |
| Total domestic deposits to total assets | 92.0643% | 551 |
| Equity capital to assets | 7.3597% | 4,012 |
| Core capital (leverage) ratio | 8.4181% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1949% | 1,723 |
| Memoranda: | ||
| Average total assets | $622,041,000 | 1,453 |
| Average earning assets | $565,745,000 | 1,491 |
| Average equity | $49,013,500 | 1,764 |
| Average total loans | $362,449,500 | 1,482 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 2,427 |
| Cost of funding earning assets | 0.1781% | 3,684 |
| Net interest margin | 3.4085% | 2,000 |
| Noninterest income to average assets | 0.6059% | 2,129 |
| Noninterest expense to average assets | 2.4162% | 2,440 |
| Loan and lease loss provision to assets | 0.0644% | 1,775 |
| Net operating income to assets | 0.9279% | 2,950 |
| Return on assets (ROA) | 0.9283% | 3,012 |
| Pretax return on assets | 1.2082% | 2,637 |
| Return on Equity (ROE) | 11.5038% | 1,986 |
| Retained earnings to average equity (ytd only) | 9.6855% | 997 |
| Net charge-offs to loans | -0.0137% | 3,844 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5104% | 2,337 |
| Assets per employee ($millions) | 5.9623% | 2,816 |
| Cash dividends to net income (ytd only)* | 15.8057% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 953 |
| Loan loss allowance to noncurrent loans | 4,460.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,880 |
| Noncurrent loans to loans | 0.0392% | 3,797 |
| Net loans and leases to total assets | 60.9729% | 2,060 |
| Net loans and leases to deposits | 66.9699% | 2,410 |
| Net loans and leases to core deposits | 68.0733% | 2,648 |
| Total domestic deposits to total assets | 91.0452% | 480 |
| Equity capital to assets | 8.4443% | 4,088 |
| Core capital (leverage) ratio | 8.7175% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6148% | 2,013 |
| Memoranda: | ||
| Average total assets | $558,849,200 | 1,544 |
| Average earning assets | $505,390,200 | 1,588 |
| Average equity | $45,098,200 | 1,917 |
| Average total loans | $349,142,200 | 1,519 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 2,423 |
| Cost of funding earning assets | 0.1850% | 3,764 |
| Net interest margin | 3.4637% | 1,971 |
| Noninterest income to average assets | 0.5952% | 2,235 |
| Noninterest expense to average assets | 2.4193% | 2,378 |
| Loan and lease loss provision to assets | 0.0619% | 1,761 |
| Net operating income to assets | 0.9510% | 3,075 |
| Return on assets (ROA) | 0.9516% | 3,158 |
| Pretax return on assets | 1.2408% | 2,798 |
| Return on Equity (ROE) | 11.9426% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.4457% | 1,519 |
| Net charge-offs to loans | 0.0019% | 2,327 |
| Credit loss provision to net charge-offs | 5,100.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 1,073.2000% | 154 |
| Efficiency ratio | 65.0127% | 2,242 |
| Assets per employee ($millions) | 5.8477% | 2,835 |
| Cash dividends to net income (ytd only)* | 20.9077% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.5853% | 2,314 |
| Net loans and leases to deposits | 65.0938% | 2,724 |
| Net loans and leases to core deposits | 66.2031% | 2,933 |
| Total domestic deposits to total assets | 91.5376% | 229 |
| Equity capital to assets | 7.8598% | 4,580 |
| Core capital (leverage) ratio | 7.7972% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7543% | 2,448 |
| Memoranda: | ||
| Average total assets | $549,505,000 | 1,584 |
| Average earning assets | $495,952,750 | 1,629 |
| Average equity | $43,786,000 | 1,978 |
| Average total loans | $343,927,000 | 1,569 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 2,265 |
| Cost of funding earning assets | 0.1975% | 3,781 |
| Net interest margin | 3.5290% | 1,777 |
| Noninterest income to average assets | 0.6015% | 2,210 |
| Noninterest expense to average assets | 2.4370% | 2,350 |
| Loan and lease loss provision to assets | 0.0554% | 1,922 |
| Net operating income to assets | 0.9917% | 2,916 |
| Return on assets (ROA) | 0.9925% | 2,998 |
| Pretax return on assets | 1.2975% | 2,634 |
| Return on Equity (ROE) | 12.3965% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.6302% | 1,208 |
| Net charge-offs to loans | 0.0035% | 2,043 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 610.1667% | 222 |
| Efficiency ratio | 64.3212% | 2,382 |
| Assets per employee ($millions) | 5.6205% | 2,995 |
| Cash dividends to net income (ytd only)* | 14.2485% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.2266% | 2,643 |
| Net loans and leases to deposits | 63.4310% | 3,057 |
| Net loans and leases to core deposits | 64.5075% | 3,243 |
| Total domestic deposits to total assets | 91.7952% | 167 |
| Equity capital to assets | 7.7145% | 4,669 |
| Core capital (leverage) ratio | 7.7715% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8837% | 2,409 |
| Memoranda: | ||
| Average total assets | $541,647,000 | 1,593 |
| Average earning assets | $489,204,000 | 1,638 |
| Average equity | $43,367,000 | 1,979 |
| Average total loans | $342,642,667 | 1,584 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 1,895 |
| Cost of funding earning assets | 0.2061% | 3,859 |
| Net interest margin | 3.6682% | 1,404 |
| Noninterest income to average assets | 0.5979% | 2,221 |
| Noninterest expense to average assets | 2.4297% | 2,402 |
| Loan and lease loss provision to assets | 0.0342% | 2,322 |
| Net operating income to assets | 1.1083% | 2,445 |
| Return on assets (ROA) | 1.1083% | 2,527 |
| Pretax return on assets | 1.4514% | 2,134 |
| Return on Equity (ROE) | 13.5732% | 1,520 |
| Retained earnings to average equity (ytd only) | 13.2099% | 874 |
| Net charge-offs to loans | 0.0058% | 1,694 |
| Credit loss provision to net charge-offs | 900.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 390.6000% | 234 |
| Efficiency ratio | 62.0556% | 2,751 |
| Assets per employee ($millions) | 5.5269% | 3,085 |
| Cash dividends to net income (ytd only)* | 2.6767% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.6676% | 2,450 |
| Net loans and leases to deposits | 66.2547% | 2,894 |
| Net loans and leases to core deposits | 67.3894% | 3,122 |
| Total domestic deposits to total assets | 91.5672% | 228 |
| Equity capital to assets | 7.8331% | 4,579 |
| Core capital (leverage) ratio | 8.2090% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8756% | 2,333 |
| Memoranda: | ||
| Average total assets | $525,827,500 | 1,615 |
| Average earning assets | $475,540,500 | 1,662 |
| Average equity | $42,937,500 | 1,988 |
| Average total loans | $343,960,000 | 1,582 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 1,448 |
| Cost of funding earning assets | 0.3184% | 4,036 |
| Net interest margin | 4.1272% | 744 |
| Noninterest income to average assets | 0.6552% | 2,004 |
| Noninterest expense to average assets | 2.7298% | 2,141 |
| Loan and lease loss provision to assets | 0.3483% | 998 |
| Net operating income to assets | 0.9958% | 2,307 |
| Return on assets (ROA) | 0.9959% | 2,449 |
| Pretax return on assets | 1.2883% | 2,021 |
| Return on Equity (ROE) | 11.3050% | 1,525 |
| Retained earnings to average equity (ytd only) | 9.5308% | 680 |
| Net charge-offs to loans | -0.0187% | 4,407 |
| Credit loss provision to net charge-offs | -2,711.8644% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5218% | 3,041 |
| Assets per employee ($millions) | 5.0401% | 3,349 |
| Cash dividends to net income (ytd only)* | 15.6940% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 950 |
| Loan loss allowance to noncurrent loans | 651.5054% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 3,354 |
| Noncurrent loans to loans | 0.2684% | 3,233 |
| Net loans and leases to total assets | 68.2328% | 1,796 |
| Net loans and leases to deposits | 75.0164% | 2,378 |
| Net loans and leases to core deposits | 76.3126% | 2,704 |
| Total domestic deposits to total assets | 90.9573% | 238 |
| Equity capital to assets | 8.5341% | 4,423 |
| Core capital (leverage) ratio | 8.4693% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7679% | 2,323 |
| Memoranda: | ||
| Average total assets | $459,369,200 | 1,673 |
| Average earning assets | $413,042,400 | 1,724 |
| Average equity | $40,468,800 | 2,006 |
| Average total loans | $314,873,400 | 1,631 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,348 |
| Cost of funding earning assets | 0.3467% | 4,072 |
| Net interest margin | 4.2403% | 671 |
| Noninterest income to average assets | 0.6493% | 1,989 |
| Noninterest expense to average assets | 2.7199% | 2,205 |
| Loan and lease loss provision to assets | 0.3266% | 1,194 |
| Net operating income to assets | 1.0875% | 2,026 |
| Return on assets (ROA) | 1.0878% | 2,156 |
| Pretax return on assets | 1.4049% | 1,717 |
| Return on Equity (ROE) | 12.2412% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.1263% | 549 |
| Net charge-offs to loans | -0.0261% | 4,488 |
| Credit loss provision to net charge-offs | -1,835.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1063% | 3,200 |
| Assets per employee ($millions) | 4.9193% | 3,352 |
| Cash dividends to net income (ytd only)* | 9.1083% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 961 |
| Loan loss allowance to noncurrent loans | 4,344.5313% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,298 |
| Noncurrent loans to loans | 0.0383% | 4,234 |
| Net loans and leases to total assets | 68.2543% | 2,203 |
| Net loans and leases to deposits | 75.3047% | 2,818 |
| Net loans and leases to core deposits | 76.6543% | 3,117 |
| Total domestic deposits to total assets | 90.6375% | 252 |
| Equity capital to assets | 8.7220% | 4,313 |
| Core capital (leverage) ratio | 8.5614% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7260% | 1,919 |
| Memoranda: | ||
| Average total assets | $449,470,250 | 1,679 |
| Average earning assets | $402,983,250 | 1,732 |
| Average equity | $39,940,500 | 2,021 |
| Average total loans | $306,962,500 | 1,657 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 1,867 |
| Cost of funding earning assets | 0.3899% | 4,076 |
| Net interest margin | 4.1269% | 1,064 |
| Noninterest income to average assets | 0.6229% | 2,047 |
| Noninterest expense to average assets | 2.7456% | 2,235 |
| Loan and lease loss provision to assets | 0.2736% | 1,568 |
| Net operating income to assets | 1.0342% | 2,208 |
| Return on assets (ROA) | 1.0342% | 2,341 |
| Pretax return on assets | 1.3247% | 1,949 |
| Return on Equity (ROE) | 11.5602% | 1,464 |
| Retained earnings to average equity (ytd only) | 9.8578% | 814 |
| Net charge-offs to loans | -0.0437% | 4,650 |
| Credit loss provision to net charge-offs | -923.0769% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2060% | 2,925 |
| Assets per employee ($millions) | 4.9181% | 3,279 |
| Cash dividends to net income (ytd only)* | 14.7266% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,216 |
| Loan loss allowance to noncurrent loans | 9,379.6296% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,467 |
| Noncurrent loans to loans | 0.0162% | 4,441 |
| Net loans and leases to total assets | 67.5882% | 2,424 |
| Net loans and leases to deposits | 74.3263% | 3,043 |
| Net loans and leases to core deposits | 75.5936% | 3,317 |
| Total domestic deposits to total assets | 90.9344% | 160 |
| Equity capital to assets | 8.3272% | 4,574 |
| Core capital (leverage) ratio | 8.3961% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5597% | 1,976 |
| Memoranda: | ||
| Average total assets | $438,595,667 | 1,689 |
| Average earning assets | $395,453,333 | 1,731 |
| Average equity | $39,238,000 | 2,026 |
| Average total loans | $297,746,333 | 1,672 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 2,419 |
| Cost of funding earning assets | 0.4823% | 4,022 |
| Net interest margin | 3.9787% | 1,446 |
| Noninterest income to average assets | 0.6833% | 1,716 |
| Noninterest expense to average assets | 2.8395% | 2,308 |
| Loan and lease loss provision to assets | 0.1448% | 1,944 |
| Net operating income to assets | 0.9738% | 2,267 |
| Return on assets (ROA) | 0.9738% | 2,372 |
| Pretax return on assets | 1.2817% | 1,924 |
| Return on Equity (ROE) | 10.4602% | 1,593 |
| Retained earnings to average equity (ytd only) | 10.4602% | 649 |
| Net charge-offs to loans | -0.0029% | 3,714 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5611% | 2,880 |
| Assets per employee ($millions) | 4.4237% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 987 |
| Loan loss allowance to noncurrent loans | 5,232.1839% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,485 |
| Noncurrent loans to loans | 0.0313% | 4,438 |
| Net loans and leases to total assets | 63.1148% | 3,173 |
| Net loans and leases to deposits | 69.9540% | 3,596 |
| Net loans and leases to core deposits | 71.2270% | 3,801 |
| Total domestic deposits to total assets | 90.2234% | 262 |
| Equity capital to assets | 9.0468% | 4,575 |
| Core capital (leverage) ratio | 9.4469% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3906% | 2,117 |
| Memoranda: | ||
| Average total assets | $414,445,500 | 1,721 |
| Average earning assets | $373,183,500 | 1,769 |
| Average equity | $38,584,500 | 2,040 |
| Average total loans | $279,545,000 | 1,718 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 2,079 |
| Cost of funding earning assets | 0.5747% | 3,745 |
| Net interest margin | 4.2132% | 1,298 |
| Noninterest income to average assets | 0.7670% | 1,557 |
| Noninterest expense to average assets | 3.0770% | 1,820 |
| Loan and lease loss provision to assets | 0.1158% | 1,824 |
| Net operating income to assets | 0.9951% | 2,863 |
| Return on assets (ROA) | 0.9967% | 2,945 |
| Pretax return on assets | 1.3089% | 2,481 |
| Return on Equity (ROE) | 10.7642% | 1,982 |
| Retained earnings to average equity (ytd only) | 8.8283% | 754 |
| Net charge-offs to loans | -0.0110% | 4,496 |
| Credit loss provision to net charge-offs | -1,483.3333% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3839% | 2,405 |
| Assets per employee ($millions) | 4.1184% | 3,745 |
| Cash dividends to net income (ytd only)* | 17.9849% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,054 |
| Loan loss allowance to noncurrent loans | 2,993.1973% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,417 |
| Noncurrent loans to loans | 0.0523% | 4,337 |
| Net loans and leases to total assets | 69.9401% | 2,404 |
| Net loans and leases to deposits | 77.9380% | 3,014 |
| Net loans and leases to core deposits | 79.4988% | 3,342 |
| Total domestic deposits to total assets | 89.7381% | 410 |
| Equity capital to assets | 9.5984% | 4,273 |
| Core capital (leverage) ratio | 9.6938% | 3,852 |
| Tier 1 risk-based capital ratio | 12.8841% | 3,853 |
| Total risk-based capital ratio | 14.1372% | 3,730 |
| Memoranda: | ||
| Average total assets | $384,368,600 | 1,786 |
| Average earning assets | $340,528,800 | 1,845 |
| Average equity | $35,590,200 | 2,115 |
| Average total loans | $272,236,400 | 1,721 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 2,164 |
| Cost of funding earning assets | 0.5873% | 3,753 |
| Net interest margin | 4.1990% | 1,381 |
| Noninterest income to average assets | 0.7662% | 1,534 |
| Noninterest expense to average assets | 3.0997% | 1,714 |
| Loan and lease loss provision to assets | 0.1153% | 1,690 |
| Net operating income to assets | 0.9594% | 3,128 |
| Return on assets (ROA) | 0.9608% | 3,203 |
| Pretax return on assets | 1.2623% | 2,778 |
| Return on Equity (ROE) | 10.4758% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.1654% | 1,000 |
| Net charge-offs to loans | 0.0025% | 3,344 |
| Credit loss provision to net charge-offs | 6,600.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 787.1874% | 119 |
| Efficiency ratio | 69.2584% | 2,219 |
| Assets per employee ($millions) | 4.0209% | 3,876 |
| Cash dividends to net income (ytd only)* | 12.5092% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,120 |
| Loan loss allowance to noncurrent loans | 625.9205% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,836 |
| Noncurrent loans to loans | 0.2475% | 3,657 |
| Net loans and leases to total assets | 69.9642% | 2,480 |
| Net loans and leases to deposits | 78.0669% | 3,090 |
| Net loans and leases to core deposits | 79.8212% | 3,401 |
| Total domestic deposits to total assets | 89.6208% | 407 |
| Equity capital to assets | 9.6411% | 4,344 |
| Core capital (leverage) ratio | 9.4529% | 4,214 |
| Tier 1 risk-based capital ratio | 12.9418% | 3,881 |
| Total risk-based capital ratio | 14.1948% | 3,771 |
| Memoranda: | ||
| Average total assets | $381,619,000 | 1,813 |
| Average earning assets | $337,119,000 | 1,871 |
| Average equity | $35,000,500 | 2,151 |
| Average total loans | $270,065,500 | 1,743 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 2,309 |
| Cost of funding earning assets | 0.5970% | 3,660 |
| Net interest margin | 4.1201% | 1,553 |
| Noninterest income to average assets | 0.7876% | 1,388 |
| Noninterest expense to average assets | 3.0971% | 1,740 |
| Loan and lease loss provision to assets | 0.0947% | 1,957 |
| Net operating income to assets | 0.9470% | 3,102 |
| Return on assets (ROA) | 0.9470% | 3,168 |
| Pretax return on assets | 1.2447% | 2,769 |
| Return on Equity (ROE) | 10.5072% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.4991% | 1,208 |
| Net charge-offs to loans | 0.0156% | 2,581 |
| Credit loss provision to net charge-offs | 857.1429% | 394 |
| Earnings coverage of net charge-offs (x) | 121.2381% | 601 |
| Efficiency ratio | 69.8091% | 2,254 |
| Assets per employee ($millions) | 4.1716% | 3,620 |
| Cash dividends to net income (ytd only)* | 19.1111% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,299 |
| Loan loss allowance to noncurrent loans | 1,347.8548% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,347 |
| Noncurrent loans to loans | 0.1108% | 4,175 |
| Net loans and leases to total assets | 67.2942% | 2,927 |
| Net loans and leases to deposits | 74.5219% | 3,477 |
| Net loans and leases to core deposits | 76.0630% | 3,721 |
| Total domestic deposits to total assets | 90.3012% | 241 |
| Equity capital to assets | 9.0353% | 4,776 |
| Core capital (leverage) ratio | 9.3168% | 4,345 |
| Tier 1 risk-based capital ratio | 12.6901% | 4,019 |
| Total risk-based capital ratio | 13.9421% | 3,915 |
| Memoranda: | ||
| Average total assets | $380,157,670 | 1,828 |
| Average earning assets | $336,694,330 | 1,882 |
| Average equity | $34,262,330 | 2,181 |
| Average total loans | $268,649,330 | 1,757 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,159 |
| Cost of funding earning assets | 0.6004% | 3,573 |
| Net interest margin | 4.1204% | 1,498 |
| Noninterest income to average assets | 0.7784% | 1,338 |
| Noninterest expense to average assets | 3.1600% | 1,598 |
| Loan and lease loss provision to assets | 0.0973% | 1,804 |
| Net operating income to assets | 0.8778% | 3,319 |
| Return on assets (ROA) | 0.8778% | 3,368 |
| Pretax return on assets | 1.1492% | 2,981 |
| Return on Equity (ROE) | 9.7533% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.7533% | 1,095 |
| Net charge-offs to loans | -0.0180% | 4,446 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7125% | 2,077 |
| Assets per employee ($millions) | 3.9512% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,816 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.2879% | 2,716 |
| Net loans and leases to deposits | 75.7968% | 3,277 |
| Net loans and leases to core deposits | 77.5532% | 3,556 |
| Total domestic deposits to total assets | 90.0933% | 416 |
| Equity capital to assets | 9.2199% | 4,510 |
| Core capital (leverage) ratio | 9.7465% | 3,872 |
| Tier 1 risk-based capital ratio | 12.8574% | 3,952 |
| Total risk-based capital ratio | 14.1099% | 3,847 |
| Memoranda: | ||
| Average total assets | $370,000,000 | 1,877 |
| Average earning assets | $325,791,000 | 1,939 |
| Average equity | $33,301,500 | 2,233 |
| Average total loans | $266,184,500 | 1,779 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 2,135 |
| Cost of funding earning assets | 0.3864% | 4,073 |
| Net interest margin | 4.2108% | 1,367 |
| Noninterest income to average assets | 0.8481% | 1,315 |
| Noninterest expense to average assets | 3.2003% | 1,554 |
| Loan and lease loss provision to assets | 0.1138% | 1,935 |
| Net operating income to assets | 0.9487% | 3,238 |
| Return on assets (ROA) | 0.9487% | 3,235 |
| Pretax return on assets | 1.2408% | 2,736 |
| Return on Equity (ROE) | 11.1205% | 2,035 |
| Retained earnings to average equity (ytd only) | 8.7137% | 973 |
| Net charge-offs to loans | -0.0056% | 4,375 |
| Credit loss provision to net charge-offs | -2,857.1429% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2610% | 2,140 |
| Assets per employee ($millions) | 3.9201% | 4,011 |
| Cash dividends to net income (ytd only)* | 21.6427% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,376 |
| Loan loss allowance to noncurrent loans | 1,391.8440% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,365 |
| Noncurrent loans to loans | 0.1058% | 4,259 |
| Net loans and leases to total assets | 73.6383% | 1,984 |
| Net loans and leases to deposits | 81.2928% | 2,820 |
| Net loans and leases to core deposits | 83.3030% | 3,149 |
| Total domestic deposits to total assets | 90.5840% | 302 |
| Equity capital to assets | 8.7645% | 4,756 |
| Core capital (leverage) ratio | 9.0257% | 4,632 |
| Tier 1 risk-based capital ratio | 11.3440% | 4,797 |
| Total risk-based capital ratio | 12.5957% | 4,703 |
| Memoranda: | ||
| Average total assets | $351,628,400 | 1,914 |
| Average earning assets | $309,535,200 | 1,974 |
| Average equity | $29,998,600 | 2,333 |
| Average total loans | $252,214,600 | 1,810 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 2,233 |
| Cost of funding earning assets | 0.3512% | 4,175 |
| Net interest margin | 4.1677% | 1,450 |
| Noninterest income to average assets | 0.8528% | 1,325 |
| Noninterest expense to average assets | 3.2055% | 1,508 |
| Loan and lease loss provision to assets | 0.1028% | 1,951 |
| Net operating income to assets | 0.9343% | 3,375 |
| Return on assets (ROA) | 0.9343% | 3,379 |
| Pretax return on assets | 1.2205% | 2,913 |
| Return on Equity (ROE) | 11.0278% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.5949% | 1,026 |
| Net charge-offs to loans | -0.0064% | 4,280 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7815% | 2,078 |
| Assets per employee ($millions) | 3.8065% | 4,164 |
| Cash dividends to net income (ytd only)* | 12.9938% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,476 |
| Loan loss allowance to noncurrent loans | 474.8436% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,704 |
| Noncurrent loans to loans | 0.3084% | 3,567 |
| Net loans and leases to total assets | 73.6933% | 2,039 |
| Net loans and leases to deposits | 81.4306% | 2,879 |
| Net loans and leases to core deposits | 83.5063% | 3,196 |
| Total domestic deposits to total assets | 90.4983% | 346 |
| Equity capital to assets | 8.8259% | 4,698 |
| Core capital (leverage) ratio | 9.0025% | 4,699 |
| Tier 1 risk-based capital ratio | 11.3801% | 4,854 |
| Total risk-based capital ratio | 12.6317% | 4,741 |
| Memoranda: | ||
| Average total assets | $350,352,250 | 1,933 |
| Average earning assets | $309,006,000 | 1,984 |
| Average equity | $29,681,750 | 2,360 |
| Average total loans | $248,614,000 | 1,834 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,216 |
| Cost of funding earning assets | 0.3403% | 4,130 |
| Net interest margin | 4.1210% | 1,487 |
| Noninterest income to average assets | 0.8718% | 1,265 |
| Noninterest expense to average assets | 3.1694% | 1,612 |
| Loan and lease loss provision to assets | 0.1024% | 1,894 |
| Net operating income to assets | 0.9503% | 3,234 |
| Return on assets (ROA) | 0.9503% | 3,243 |
| Pretax return on assets | 1.2438% | 2,748 |
| Return on Equity (ROE) | 11.3731% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.2020% | 1,151 |
| Net charge-offs to loans | -0.0163% | 4,486 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1889% | 2,280 |
| Assets per employee ($millions) | 3.9078% | 4,045 |
| Cash dividends to net income (ytd only)* | 19.0904% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,383 |
| Loan loss allowance to noncurrent loans | 1,379.9257% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,523 |
| Noncurrent loans to loans | 0.1089% | 4,420 |
| Net loans and leases to total assets | 69.1582% | 2,696 |
| Net loans and leases to deposits | 76.0722% | 3,319 |
| Net loans and leases to core deposits | 78.0325% | 3,580 |
| Total domestic deposits to total assets | 90.9112% | 272 |
| Equity capital to assets | 8.4931% | 4,946 |
| Core capital (leverage) ratio | 8.6036% | 5,032 |
| Tier 1 risk-based capital ratio | 11.5446% | 4,768 |
| Total risk-based capital ratio | 12.7963% | 4,656 |
| Memoranda: | ||
| Average total assets | $351,672,670 | 1,932 |
| Average earning assets | $310,941,670 | 1,981 |
| Average equity | $29,385,000 | 2,388 |
| Average total loans | $245,131,670 | 1,865 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,967 |
| Cost of funding earning assets | 0.3161% | 4,225 |
| Net interest margin | 4.1506% | 1,297 |
| Noninterest income to average assets | 0.8508% | 1,299 |
| Noninterest expense to average assets | 3.1132% | 1,788 |
| Loan and lease loss provision to assets | 0.1024% | 1,818 |
| Net operating income to assets | 0.9998% | 2,858 |
| Return on assets (ROA) | 0.9998% | 2,878 |
| Pretax return on assets | 1.3092% | 2,329 |
| Return on Equity (ROE) | 12.0649% | 1,558 |
| Retained earnings to average equity (ytd only) | 12.0649% | 673 |
| Net charge-offs to loans | 0.0033% | 2,620 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 620.5000% | 102 |
| Efficiency ratio | 68.8034% | 2,699 |
| Assets per employee ($millions) | 4.2204% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,508 |
| Loan loss allowance to noncurrent loans | 688.3365% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 4,256 |
| Noncurrent loans to loans | 0.2158% | 4,005 |
| Net loans and leases to total assets | 65.0126% | 3,174 |
| Net loans and leases to deposits | 71.1550% | 3,688 |
| Net loans and leases to core deposits | 72.9818% | 3,884 |
| Total domestic deposits to total assets | 91.3675% | 212 |
| Equity capital to assets | 8.0238% | 5,262 |
| Core capital (leverage) ratio | 8.6307% | 5,041 |
| Tier 1 risk-based capital ratio | 11.5089% | 4,856 |
| Total risk-based capital ratio | 12.7606% | 4,750 |
| Memoranda: | ||
| Average total assets | $351,660,000 | 1,946 |
| Average earning assets | $311,277,500 | 1,995 |
| Average equity | $29,142,500 | 2,428 |
| Average total loans | $244,227,500 | 1,883 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 2,003 |
| Cost of funding earning assets | 0.3040% | 4,099 |
| Net interest margin | 4.1063% | 1,412 |
| Noninterest income to average assets | 0.8172% | 1,508 |
| Noninterest expense to average assets | 3.2641% | 1,450 |
| Loan and lease loss provision to assets | 0.0153% | 3,989 |
| Net operating income to assets | 0.6944% | 3,625 |
| Return on assets (ROA) | 0.6944% | 3,681 |
| Pretax return on assets | 1.1102% | 3,140 |
| Return on Equity (ROE) | 8.2293% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.7389% | 1,180 |
| Net charge-offs to loans | -0.0171% | 4,914 |
| Credit loss provision to net charge-offs | -127.5000% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3592% | 1,849 |
| Assets per employee ($millions) | 3.8638% | 4,174 |
| Cash dividends to net income (ytd only)* | 18.1109% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,663 |
| Loan loss allowance to noncurrent loans | 201.6073% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 2,729 |
| Noncurrent loans to loans | 0.7077% | 2,437 |
| Net loans and leases to total assets | 72.1810% | 2,201 |
| Net loans and leases to deposits | 79.3867% | 2,985 |
| Net loans and leases to core deposits | 82.0617% | 3,238 |
| Total domestic deposits to total assets | 90.9233% | 259 |
| Equity capital to assets | 8.5748% | 5,063 |
| Core capital (leverage) ratio | 8.6215% | 5,024 |
| Tier 1 risk-based capital ratio | 11.1631% | 5,056 |
| Total risk-based capital ratio | 12.4142% | 4,932 |
| Memoranda: | ||
| Average total assets | $332,374,400 | 1,994 |
| Average earning assets | $289,164,200 | 2,104 |
| Average equity | $28,046,000 | 2,488 |
| Average total loans | $233,945,400 | 1,914 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,993 |
| Cost of funding earning assets | 0.3033% | 4,096 |
| Net interest margin | 4.0832% | 1,433 |
| Noninterest income to average assets | 0.8162% | 1,525 |
| Noninterest expense to average assets | 3.2963% | 1,359 |
| Loan and lease loss provision to assets | 0.0205% | 3,736 |
| Net operating income to assets | 0.6843% | 4,055 |
| Return on assets (ROA) | 0.6843% | 4,119 |
| Pretax return on assets | 1.0411% | 3,523 |
| Return on Equity (ROE) | 8.1430% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.3435% | 1,523 |
| Net charge-offs to loans | -0.0167% | 4,791 |
| Credit loss provision to net charge-offs | -175.8621% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6393% | 1,647 |
| Assets per employee ($millions) | 3.8351% | 4,254 |
| Cash dividends to net income (ytd only)* | 9.8177% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,497 |
| Loan loss allowance to noncurrent loans | 198.8075% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,847 |
| Noncurrent loans to loans | 0.7593% | 2,461 |
| Net loans and leases to total assets | 68.4611% | 2,781 |
| Net loans and leases to deposits | 75.4442% | 3,427 |
| Net loans and leases to core deposits | 78.1129% | 3,621 |
| Total domestic deposits to total assets | 90.7439% | 243 |
| Equity capital to assets | 8.6060% | 5,222 |
| Core capital (leverage) ratio | 8.5504% | 5,206 |
| Tier 1 risk-based capital ratio | 11.4008% | 5,012 |
| Total risk-based capital ratio | 12.6523% | 4,897 |
| Memoranda: | ||
| Average total assets | $331,431,000 | 2,011 |
| Average earning assets | $287,476,500 | 2,123 |
| Average equity | $27,851,500 | 2,514 |
| Average total loans | $230,895,000 | 1,940 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 1,934 |
| Cost of funding earning assets | 0.3036% | 4,044 |
| Net interest margin | 4.0596% | 1,433 |
| Noninterest income to average assets | 0.7874% | 1,615 |
| Noninterest expense to average assets | 3.3106% | 1,356 |
| Loan and lease loss provision to assets | 0.0308% | 3,386 |
| Net operating income to assets | 0.6338% | 4,146 |
| Return on assets (ROA) | 0.6338% | 4,197 |
| Pretax return on assets | 0.9634% | 3,712 |
| Return on Equity (ROE) | 7.6041% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.3924% | 1,904 |
| Net charge-offs to loans | -0.0382% | 5,054 |
| Credit loss provision to net charge-offs | -115.9091% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9036% | 1,594 |
| Assets per employee ($millions) | 3.9486% | 4,046 |
| Cash dividends to net income (ytd only)* | 15.9351% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,534 |
| Loan loss allowance to noncurrent loans | 200.3419% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,583 |
| Noncurrent loans to loans | 0.7557% | 2,502 |
| Net loans and leases to total assets | 67.3556% | 2,894 |
| Net loans and leases to deposits | 73.8823% | 3,557 |
| Net loans and leases to core deposits | 77.8388% | 3,613 |
| Total domestic deposits to total assets | 91.1661% | 185 |
| Equity capital to assets | 8.2676% | 5,416 |
| Core capital (leverage) ratio | 8.3215% | 5,337 |
| Tier 1 risk-based capital ratio | 11.3025% | 5,088 |
| Total risk-based capital ratio | 12.5544% | 4,973 |
| Memoranda: | ||
| Average total assets | $330,691,000 | 2,018 |
| Average earning assets | $286,532,000 | 2,133 |
| Average equity | $27,564,000 | 2,529 |
| Average total loans | $230,552,670 | 1,939 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 1,913 |
| Cost of funding earning assets | 0.3069% | 3,970 |
| Net interest margin | 4.0095% | 1,446 |
| Noninterest income to average assets | 0.7589% | 1,716 |
| Noninterest expense to average assets | 3.2258% | 1,537 |
| Loan and lease loss provision to assets | 0.0625% | 2,554 |
| Net operating income to assets | 0.6228% | 4,048 |
| Return on assets (ROA) | 0.6228% | 4,099 |
| Pretax return on assets | 0.9465% | 3,604 |
| Return on Equity (ROE) | 7.4409% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.4409% | 1,676 |
| Net charge-offs to loans | -0.0679% | 5,312 |
| Credit loss provision to net charge-offs | -130.7692% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1726% | 1,882 |
| Assets per employee ($millions) | 3.8254% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,606 |
| Loan loss allowance to noncurrent loans | 182.5793% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 2,424 |
| Noncurrent loans to loans | 0.8352% | 2,370 |
| Net loans and leases to total assets | 67.3500% | 2,769 |
| Net loans and leases to deposits | 73.9465% | 3,408 |
| Net loans and leases to core deposits | 76.4679% | 3,609 |
| Total domestic deposits to total assets | 91.0794% | 279 |
| Equity capital to assets | 8.1996% | 5,418 |
| Core capital (leverage) ratio | 8.6059% | 5,150 |
| Tier 1 risk-based capital ratio | 11.3100% | 5,134 |
| Total risk-based capital ratio | 12.5620% | 5,040 |
| Memoranda: | ||
| Average total assets | $326,248,000 | 2,059 |
| Average earning assets | $282,830,500 | 2,179 |
| Average equity | $27,308,500 | 2,560 |
| Average total loans | $229,709,000 | 1,958 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,528 |
| Cost of funding earning assets | 0.3098% | 3,960 |
| Net interest margin | 4.1933% | 1,137 |
| Noninterest income to average assets | 0.8799% | 1,480 |
| Noninterest expense to average assets | 3.3256% | 1,522 |
| Loan and lease loss provision to assets | 0.0246% | 3,863 |
| Net operating income to assets | 0.7560% | 3,512 |
| Return on assets (ROA) | 0.7810% | 3,494 |
| Pretax return on assets | 1.2015% | 2,669 |
| Return on Equity (ROE) | 9.0887% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.1272% | 1,178 |
| Net charge-offs to loans | 0.0623% | 2,814 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | 26.7778% | 1,539 |
| Efficiency ratio | 73.6842% | 2,326 |
| Assets per employee ($millions) | 3.6306% | 4,566 |
| Cash dividends to net income (ytd only)* | 21.5818% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,702 |
| Loan loss allowance to noncurrent loans | 171.2569% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 2,241 |
| Noncurrent loans to loans | 0.8714% | 2,357 |
| Net loans and leases to total assets | 71.4756% | 2,247 |
| Net loans and leases to deposits | 78.5765% | 3,035 |
| Net loans and leases to core deposits | 83.2677% | 3,099 |
| Total domestic deposits to total assets | 90.9631% | 290 |
| Equity capital to assets | 8.5526% | 5,231 |
| Core capital (leverage) ratio | 8.6443% | 5,126 |
| Tier 1 risk-based capital ratio | 11.1857% | 5,234 |
| Total risk-based capital ratio | 12.4376% | 5,123 |
| Memoranda: | ||
| Average total assets | $304,361,600 | 2,143 |
| Average earning assets | $263,729,800 | 2,254 |
| Average equity | $26,153,400 | 2,622 |
| Average total loans | $216,823,400 | 1,993 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,436 |
| Cost of funding earning assets | 0.3094% | 3,986 |
| Net interest margin | 4.2269% | 1,064 |
| Noninterest income to average assets | 0.8796% | 1,475 |
| Noninterest expense to average assets | 3.3703% | 1,414 |
| Loan and lease loss provision to assets | 0.0133% | 3,987 |
| Net operating income to assets | 0.7505% | 3,603 |
| Return on assets (ROA) | 0.7841% | 3,580 |
| Pretax return on assets | 1.2091% | 2,802 |
| Return on Equity (ROE) | 9.1137% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.0189% | 1,165 |
| Net charge-offs to loans | 0.0798% | 2,182 |
| Credit loss provision to net charge-offs | 23.4375% | 3,271 |
| Earnings coverage of net charge-offs (x) | 20.6800% | 1,859 |
| Efficiency ratio | 74.2209% | 2,243 |
| Assets per employee ($millions) | 3.5988% | 4,647 |
| Cash dividends to net income (ytd only)* | 12.0134% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,629 |
| Loan loss allowance to noncurrent loans | 835.3086% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,686 |
| Noncurrent loans to loans | 0.1846% | 4,610 |
| Net loans and leases to total assets | 69.8014% | 2,521 |
| Net loans and leases to deposits | 77.1571% | 3,269 |
| Net loans and leases to core deposits | 81.8061% | 3,299 |
| Total domestic deposits to total assets | 90.4666% | 333 |
| Equity capital to assets | 8.7651% | 5,350 |
| Core capital (leverage) ratio | 8.8358% | 5,017 |
| Tier 1 risk-based capital ratio | 11.6614% | 5,005 |
| Total risk-based capital ratio | 12.9138% | 4,903 |
| Memoranda: | ||
| Average total assets | $301,487,250 | 2,168 |
| Average earning assets | $261,144,000 | 2,284 |
| Average equity | $25,938,250 | 2,667 |
| Average total loans | $213,733,750 | 2,022 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 1,648 |
| Cost of funding earning assets | 0.3069% | 4,048 |
| Net interest margin | 4.1499% | 1,230 |
| Noninterest income to average assets | 0.8581% | 1,518 |
| Noninterest expense to average assets | 3.3713% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7349% | 3,626 |
| Return on assets (ROA) | 0.7349% | 3,792 |
| Pretax return on assets | 1.1338% | 3,067 |
| Return on Equity (ROE) | 8.5977% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.9299% | 1,638 |
| Net charge-offs to loans | 0.0972% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.4466% | 1,929 |
| Efficiency ratio | 74.8329% | 2,241 |
| Assets per employee ($millions) | 3.6329% | 4,543 |
| Cash dividends to net income (ytd only)* | 19.3989% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,693 |
| Loan loss allowance to noncurrent loans | 703.7500% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,922 |
| Noncurrent loans to loans | 0.2197% | 4,556 |
| Net loans and leases to total assets | 70.5013% | 2,402 |
| Net loans and leases to deposits | 77.6309% | 3,189 |
| Net loans and leases to core deposits | 82.4496% | 3,224 |
| Total domestic deposits to total assets | 90.8161% | 227 |
| Equity capital to assets | 8.5279% | 5,579 |
| Core capital (leverage) ratio | 8.3475% | 5,491 |
| Tier 1 risk-based capital ratio | 11.5953% | 5,093 |
| Total risk-based capital ratio | 12.8487% | 4,990 |
| Memoranda: | ||
| Average total assets | $298,816,000 | 2,194 |
| Average earning assets | $262,608,330 | 2,277 |
| Average equity | $25,541,670 | 2,702 |
| Average total loans | $211,838,670 | 2,035 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,523 |
| Cost of funding earning assets | 0.3027% | 4,134 |
| Net interest margin | 4.1911% | 1,117 |
| Noninterest income to average assets | 0.9214% | 1,262 |
| Noninterest expense to average assets | 3.3013% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8429% | 3,018 |
| Return on assets (ROA) | 0.8429% | 3,149 |
| Pretax return on assets | 1.3110% | 2,260 |
| Return on Equity (ROE) | 9.8496% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.8496% | 879 |
| Net charge-offs to loans | 0.0192% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 96.9000% | 552 |
| Efficiency ratio | 71.5752% | 2,858 |
| Assets per employee ($millions) | 3.4849% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 1,448 |
| Loan loss allowance to noncurrent loans | 3,018.2609% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 4,465 |
| Noncurrent loans to loans | 0.0551% | 5,266 |
| Net loans and leases to total assets | 66.9198% | 2,823 |
| Net loans and leases to deposits | 73.6206% | 3,478 |
| Net loans and leases to core deposits | 78.2367% | 3,474 |
| Total domestic deposits to total assets | 90.8983% | 302 |
| Equity capital to assets | 8.3781% | 5,653 |
| Core capital (leverage) ratio | 8.7068% | 5,167 |
| Tier 1 risk-based capital ratio | 11.9099% | 4,972 |
| Total risk-based capital ratio | 13.1644% | 4,878 |
| Memoranda: | ||
| Average total assets | $295,642,500 | 2,212 |
| Average earning assets | $260,362,000 | 2,300 |
| Average equity | $25,300,500 | 2,724 |
| Average total loans | $208,497,000 | 2,067 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,511 |
| Cost of funding earning assets | 0.3162% | 4,073 |
| Net interest margin | 4.2119% | 1,145 |
| Noninterest income to average assets | 0.8062% | 1,767 |
| Noninterest expense to average assets | 3.6395% | 1,055 |
| Loan and lease loss provision to assets | -0.0748% | 5,802 |
| Net operating income to assets | 0.6564% | 4,012 |
| Return on assets (ROA) | 0.6840% | 3,989 |
| Pretax return on assets | 1.0021% | 3,469 |
| Return on Equity (ROE) | 7.8992% | 3,007 |
| Retained earnings to average equity (ytd only) | 5.7886% | 1,902 |
| Net charge-offs to loans | 0.0408% | 3,406 |
| Credit loss provision to net charge-offs | -259.2593% | 5,323 |
| Earnings coverage of net charge-offs (x) | 30.7284% | 1,433 |
| Efficiency ratio | 80.4093% | 1,622 |
| Assets per employee ($millions) | 3.3095% | 5,137 |
| Cash dividends to net income (ytd only)* | 26.7188% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,414 |
| Loan loss allowance to noncurrent loans | 751.8359% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 4,001 |
| Noncurrent loans to loans | 0.2223% | 4,630 |
| Net loans and leases to total assets | 71.9635% | 2,057 |
| Net loans and leases to deposits | 79.2605% | 2,910 |
| Net loans and leases to core deposits | 84.6424% | 2,920 |
| Total domestic deposits to total assets | 90.7936% | 337 |
| Equity capital to assets | 8.7514% | 5,349 |
| Core capital (leverage) ratio | 8.6412% | 5,287 |
| Tier 1 risk-based capital ratio | 12.1704% | 4,844 |
| Total risk-based capital ratio | 13.4270% | 4,745 |
| Memoranda: | ||
| Average total assets | $280,698,800 | 2,265 |
| Average earning assets | $247,913,800 | 2,358 |
| Average equity | $24,306,200 | 2,758 |
| Average total loans | $198,709,400 | 2,085 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 1,732 |
| Cost of funding earning assets | 0.3193% | 4,115 |
| Net interest margin | 4.1392% | 1,302 |
| Noninterest income to average assets | 0.7770% | 1,895 |
| Noninterest expense to average assets | 3.6788% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5348% | 4,656 |
| Return on assets (ROA) | 0.5734% | 4,606 |
| Pretax return on assets | 0.8103% | 4,308 |
| Return on Equity (ROE) | 6.6401% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.1323% | 2,164 |
| Net charge-offs to loans | 0.0441% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.4012% | 1,694 |
| Efficiency ratio | 82.9536% | 1,275 |
| Assets per employee ($millions) | 3.2507% | 5,216 |
| Cash dividends to net income (ytd only)* | 7.6473% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 1,097 |
| Loan loss allowance to noncurrent loans | 362.7202% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 3,441 |
| Noncurrent loans to loans | 0.5202% | 3,795 |
| Net loans and leases to total assets | 68.9530% | 2,542 |
| Net loans and leases to deposits | 76.1665% | 3,281 |
| Net loans and leases to core deposits | 81.1080% | 3,336 |
| Total domestic deposits to total assets | 90.5293% | 379 |
| Equity capital to assets | 8.8465% | 5,444 |
| Core capital (leverage) ratio | 8.7492% | 5,301 |
| Tier 1 risk-based capital ratio | 12.6543% | 4,642 |
| Total risk-based capital ratio | 13.9132% | 4,545 |
| Memoranda: | ||
| Average total assets | $279,719,000 | 2,289 |
| Average earning assets | $247,190,250 | 2,388 |
| Average equity | $24,155,750 | 2,789 |
| Average total loans | $196,311,250 | 2,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 1,726 |
| Cost of funding earning assets | 0.3223% | 4,128 |
| Net interest margin | 4.1146% | 1,316 |
| Noninterest income to average assets | 0.7370% | 2,053 |
| Noninterest expense to average assets | 3.6344% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5288% | 4,655 |
| Return on assets (ROA) | 0.5883% | 4,495 |
| Pretax return on assets | 0.8078% | 4,292 |
| Return on Equity (ROE) | 6.8686% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.1008% | 2,172 |
| Net charge-offs to loans | 0.0224% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.1818% | 1,016 |
| Efficiency ratio | 83.3443% | 1,335 |
| Assets per employee ($millions) | 3.2073% | 5,330 |
| Cash dividends to net income (ytd only)* | 11.1786% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,210 |
| Loan loss allowance to noncurrent loans | 381.8737% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,467 |
| Noncurrent loans to loans | 0.4921% | 3,997 |
| Net loans and leases to total assets | 69.3739% | 2,431 |
| Net loans and leases to deposits | 76.3566% | 3,223 |
| Net loans and leases to core deposits | 81.3309% | 3,247 |
| Total domestic deposits to total assets | 90.8551% | 340 |
| Equity capital to assets | 8.5890% | 5,604 |
| Core capital (leverage) ratio | 8.3919% | 5,646 |
| Tier 1 risk-based capital ratio | 12.1788% | 5,014 |
| Total risk-based capital ratio | 13.4371% | 4,911 |
| Memoranda: | ||
| Average total assets | $279,773,000 | 2,306 |
| Average earning assets | $246,388,000 | 2,407 |
| Average equity | $23,964,000 | 2,816 |
| Average total loans | $196,258,330 | 2,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,688 |
| Cost of funding earning assets | 0.3296% | 4,099 |
| Net interest margin | 4.0918% | 1,296 |
| Noninterest income to average assets | 0.8559% | 1,542 |
| Noninterest expense to average assets | 3.6491% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5342% | 4,532 |
| Return on assets (ROA) | 0.5342% | 4,647 |
| Pretax return on assets | 0.8085% | 4,207 |
| Return on Equity (ROE) | 6.2455% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.2455% | 2,355 |
| Net charge-offs to loans | -0.0308% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8621% | 1,638 |
| Assets per employee ($millions) | 3.3941% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 1,181 |
| Loan loss allowance to noncurrent loans | 614.7727% | 827 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 2,541 |
| Noncurrent loans to loans | 0.3175% | 4,655 |
| Net loans and leases to total assets | 65.9433% | 2,783 |
| Net loans and leases to deposits | 72.3359% | 3,508 |
| Net loans and leases to core deposits | 77.1349% | 3,469 |
| Total domestic deposits to total assets | 91.1626% | 307 |
| Equity capital to assets | 8.3487% | 5,838 |
| Core capital (leverage) ratio | 8.6593% | 5,367 |
| Tier 1 risk-based capital ratio | 12.4529% | 4,940 |
| Total risk-based capital ratio | 13.7115% | 4,851 |
| Memoranda: | ||
| Average total assets | $278,536,500 | 2,323 |
| Average earning assets | $245,176,000 | 2,423 |
| Average equity | $23,825,000 | 2,849 |
| Average total loans | $194,610,000 | 2,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,288 |
| Cost of funding earning assets | 0.3650% | 4,081 |
| Net interest margin | 4.3419% | 978 |
| Noninterest income to average assets | 0.9436% | 1,368 |
| Noninterest expense to average assets | 3.8415% | 927 |
| Loan and lease loss provision to assets | 0.0095% | 4,439 |
| Net operating income to assets | 0.5586% | 4,565 |
| Return on assets (ROA) | 0.5666% | 4,613 |
| Pretax return on assets | 0.8537% | 4,060 |
| Return on Equity (ROE) | 6.4764% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.3350% | 3,105 |
| Net charge-offs to loans | 0.0021% | 4,929 |
| Credit loss provision to net charge-offs | 625.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 93 |
| Efficiency ratio | 81.8637% | 1,679 |
| Assets per employee ($millions) | 3.1597% | 5,494 |
| Cash dividends to net income (ytd only)* | 33.0656% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 1,233 |
| Loan loss allowance to noncurrent loans | 908.9157% | 639 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 2,646 |
| Noncurrent loans to loans | 0.2126% | 5,056 |
| Net loans and leases to total assets | 71.2710% | 2,038 |
| Net loans and leases to deposits | 78.5540% | 2,903 |
| Net loans and leases to core deposits | 84.2428% | 2,875 |
| Total domestic deposits to total assets | 90.7287% | 454 |
| Equity capital to assets | 8.7738% | 5,511 |
| Core capital (leverage) ratio | 8.7145% | 5,334 |
| Tier 1 risk-based capital ratio | 12.0117% | 5,360 |
| Total risk-based capital ratio | 13.2703% | 5,258 |
| Memoranda: | ||
| Average total assets | $263,672,600 | 2,394 |
| Average earning assets | $227,662,800 | 2,542 |
| Average equity | $23,068,200 | 2,842 |
| Average total loans | $188,320,200 | 2,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 1,384 |
| Cost of funding earning assets | 0.3731% | 4,093 |
| Net interest margin | 4.2956% | 1,061 |
| Noninterest income to average assets | 0.9688% | 1,311 |
| Noninterest expense to average assets | 3.8610% | 897 |
| Loan and lease loss provision to assets | 0.0127% | 4,162 |
| Net operating income to assets | 0.5222% | 4,789 |
| Return on assets (ROA) | 0.5329% | 4,820 |
| Pretax return on assets | 0.8017% | 4,363 |
| Return on Equity (ROE) | 6.0958% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.6663% | 3,309 |
| Net charge-offs to loans | -0.0036% | 5,246 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8699% | 1,510 |
| Assets per employee ($millions) | 3.1377% | 5,530 |
| Cash dividends to net income (ytd only)* | 23.4508% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 1,399 |
| Loan loss allowance to noncurrent loans | 373.8872% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 2,276 |
| Noncurrent loans to loans | 0.5149% | 4,391 |
| Net loans and leases to total assets | 72.2015% | 1,810 |
| Net loans and leases to deposits | 79.6783% | 2,742 |
| Net loans and leases to core deposits | 88.6188% | 2,365 |
| Total domestic deposits to total assets | 90.6162% | 488 |
| Equity capital to assets | 8.7599% | 5,586 |
| Core capital (leverage) ratio | 8.6885% | 5,452 |
| Tier 1 risk-based capital ratio | 11.5784% | 5,750 |
| Total risk-based capital ratio | 12.8365% | 5,662 |
| Memoranda: | ||
| Average total assets | $262,447,750 | 2,428 |
| Average earning assets | $225,465,250 | 2,584 |
| Average equity | $22,944,250 | 2,860 |
| Average total loans | $186,603,750 | 2,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,491 |
| Cost of funding earning assets | 0.3730% | 4,175 |
| Net interest margin | 4.2425% | 1,147 |
| Noninterest income to average assets | 1.0129% | 1,167 |
| Noninterest expense to average assets | 3.9536% | 799 |
| Loan and lease loss provision to assets | 0.0192% | 3,886 |
| Net operating income to assets | 0.4548% | 4,993 |
| Return on assets (ROA) | 0.4712% | 5,001 |
| Pretax return on assets | 0.7072% | 4,615 |
| Return on Equity (ROE) | 5.3936% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.6219% | 3,215 |
| Net charge-offs to loans | 0.0033% | 4,278 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 305.3333% | 225 |
| Efficiency ratio | 84.9243% | 1,396 |
| Assets per employee ($millions) | 3.2067% | 5,414 |
| Cash dividends to net income (ytd only)* | 14.3089% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 1,320 |
| Loan loss allowance to noncurrent loans | 297.7111% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 1,714 |
| Noncurrent loans to loans | 0.6798% | 4,014 |
| Net loans and leases to total assets | 67.7970% | 2,442 |
| Net loans and leases to deposits | 74.5513% | 3,262 |
| Net loans and leases to core deposits | 81.6549% | 3,010 |
| Total domestic deposits to total assets | 90.9400% | 434 |
| Equity capital to assets | 8.5751% | 5,737 |
| Core capital (leverage) ratio | 8.4536% | 5,681 |
| Tier 1 risk-based capital ratio | 11.9190% | 5,584 |
| Total risk-based capital ratio | 13.1786% | 5,505 |
| Memoranda: | ||
| Average total assets | $261,028,670 | 2,447 |
| Average earning assets | $224,110,670 | 2,601 |
| Average equity | $22,804,670 | 2,874 |
| Average total loans | $183,356,670 | 2,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,353 |
| Cost of funding earning assets | 0.3806% | 4,190 |
| Net interest margin | 4.2772% | 1,048 |
| Noninterest income to average assets | 0.9608% | 1,227 |
| Noninterest expense to average assets | 4.0722% | 697 |
| Loan and lease loss provision to assets | 0.0389% | 3,294 |
| Net operating income to assets | 0.3476% | 5,319 |
| Return on assets (ROA) | 0.3815% | 5,256 |
| Pretax return on assets | 0.5575% | 4,990 |
| Return on Equity (ROE) | 4.3252% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.3252% | 3,532 |
| Net charge-offs to loans | -0.0858% | 6,057 |
| Credit loss provision to net charge-offs | -64.1026% | 4,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1659% | 1,212 |
| Assets per employee ($millions) | 3.1658% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1083% | 1,310 |
| Loan loss allowance to noncurrent loans | 441.9467% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 1,863 |
| Noncurrent loans to loans | 0.4771% | 4,732 |
| Net loans and leases to total assets | 66.5922% | 2,466 |
| Net loans and leases to deposits | 73.1690% | 3,173 |
| Net loans and leases to core deposits | 81.2159% | 2,827 |
| Total domestic deposits to total assets | 91.0115% | 561 |
| Equity capital to assets | 8.5617% | 5,589 |
| Core capital (leverage) ratio | 8.5455% | 5,591 |
| Tier 1 risk-based capital ratio | 11.8280% | 5,743 |
| Total risk-based capital ratio | 13.0882% | 5,673 |
| Memoranda: | ||
| Average total assets | $256,863,000 | 2,490 |
| Average earning assets | $219,678,000 | 2,656 |
| Average equity | $22,658,000 | 2,872 |
| Average total loans | $181,840,000 | 2,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 1,179 |
| Cost of funding earning assets | 0.4414% | 4,201 |
| Net interest margin | 4.4177% | 884 |
| Noninterest income to average assets | 1.0413% | 1,296 |
| Noninterest expense to average assets | 3.9209% | 958 |
| Loan and lease loss provision to assets | 0.1895% | 1,946 |
| Net operating income to assets | 0.4910% | 4,769 |
| Return on assets (ROA) | 0.4910% | 4,910 |
| Pretax return on assets | 0.7155% | 4,481 |
| Return on Equity (ROE) | 5.3843% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.6706% | 2,832 |
| Net charge-offs to loans | 0.2157% | 2,733 |
| Credit loss provision to net charge-offs | 122.0159% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.8276% | 3,199 |
| Efficiency ratio | 81.2479% | 1,985 |
| Assets per employee ($millions) | 2.9153% | 5,963 |
| Cash dividends to net income (ytd only)* | 13.2550% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 1,438 |
| Loan loss allowance to noncurrent loans | 316.9907% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 2.2652% | 1,566 |
| Noncurrent loans to loans | 0.6472% | 4,356 |
| Net loans and leases to total assets | 72.2478% | 1,646 |
| Net loans and leases to deposits | 79.8249% | 2,480 |
| Net loans and leases to core deposits | 88.5387% | 2,188 |
| Total domestic deposits to total assets | 90.5080% | 810 |
| Equity capital to assets | 9.0994% | 4,926 |
| Core capital (leverage) ratio | 8.8167% | 5,251 |
| Tier 1 risk-based capital ratio | 11.4057% | 5,960 |
| Total risk-based capital ratio | 12.6650% | 5,893 |
| Memoranda: | ||
| Average total assets | $242,776,000 | 2,597 |
| Average earning assets | $207,981,800 | 2,744 |
| Average equity | $22,138,600 | 2,914 |
| Average total loans | $174,807,400 | 2,253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 1,169 |
| Cost of funding earning assets | 0.4457% | 4,327 |
| Net interest margin | 4.4324% | 838 |
| Noninterest income to average assets | 1.0770% | 1,264 |
| Noninterest expense to average assets | 3.9195% | 941 |
| Loan and lease loss provision to assets | 0.2070% | 1,752 |
| Net operating income to assets | 0.5184% | 4,724 |
| Return on assets (ROA) | 0.5184% | 4,879 |
| Pretax return on assets | 0.7602% | 4,458 |
| Return on Equity (ROE) | 5.6814% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,612 |
| Net charge-offs to loans | 0.2662% | 2,222 |
| Credit loss provision to net charge-offs | 108.6957% | 2,160 |
| Earnings coverage of net charge-offs (x) | 5.0782% | 3,287 |
| Efficiency ratio | 80.2079% | 2,063 |
| Assets per employee ($millions) | 2.8584% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,474 |
| Loan loss allowance to noncurrent loans | 426.0369% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2859% | 1,726 |
| Noncurrent loans to loans | 0.4957% | 4,958 |
| Net loans and leases to total assets | 70.5420% | 1,862 |
| Net loans and leases to deposits | 78.2100% | 2,627 |
| Net loans and leases to core deposits | 87.1957% | 2,259 |
| Total domestic deposits to total assets | 90.1956% | 896 |
| Equity capital to assets | 9.2417% | 4,876 |
| Core capital (leverage) ratio | 8.6887% | 5,552 |
| Tier 1 risk-based capital ratio | 11.7610% | 5,920 |
| Total risk-based capital ratio | 13.0220% | 5,869 |
| Memoranda: | ||
| Average total assets | $241,520,750 | 2,632 |
| Average earning assets | $207,586,750 | 2,768 |
| Average equity | $22,036,250 | 2,957 |
| Average total loans | $172,814,750 | 2,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 1,095 |
| Cost of funding earning assets | 0.4595% | 4,319 |
| Net interest margin | 4.4408% | 788 |
| Noninterest income to average assets | 1.0330% | 1,429 |
| Noninterest expense to average assets | 3.9263% | 950 |
| Loan and lease loss provision to assets | 0.0622% | 3,767 |
| Net operating income to assets | 0.5742% | 4,423 |
| Return on assets (ROA) | 0.5742% | 4,600 |
| Pretax return on assets | 0.8538% | 4,102 |
| Return on Equity (ROE) | 6.3205% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.3205% | 2,249 |
| Net charge-offs to loans | 0.3476% | 1,801 |
| Credit loss provision to net charge-offs | 25.0836% | 3,660 |
| Earnings coverage of net charge-offs (x) | 3.6923% | 3,334 |
| Efficiency ratio | 81.0829% | 2,015 |
| Assets per employee ($millions) | 2.9539% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 1,839 |
| Loan loss allowance to noncurrent loans | 307.2257% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 2.6982% | 1,547 |
| Noncurrent loans to loans | 0.6519% | 4,638 |
| Net loans and leases to total assets | 67.9159% | 2,253 |
| Net loans and leases to deposits | 75.0232% | 3,005 |
| Net loans and leases to core deposits | 83.2084% | 2,663 |
| Total domestic deposits to total assets | 90.5266% | 743 |
| Equity capital to assets | 8.9467% | 5,271 |
| Core capital (leverage) ratio | 8.6100% | 5,543 |
| Tier 1 risk-based capital ratio | 11.6086% | 6,053 |
| Total risk-based capital ratio | 12.8678% | 5,995 |
| Memoranda: | ||
| Average total assets | $241,040,000 | 2,638 |
| Average earning assets | $206,763,330 | 2,788 |
| Average equity | $21,897,000 | 3,000 |
| Average total loans | $172,056,670 | 2,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 876 |
| Cost of funding earning assets | 0.4868% | 4,213 |
| Net interest margin | 4.5209% | 656 |
| Noninterest income to average assets | 0.9550% | 1,592 |
| Noninterest expense to average assets | 4.0001% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5575% | 4,421 |
| Return on assets (ROA) | 0.5575% | 4,580 |
| Pretax return on assets | 0.8185% | 4,097 |
| Return on Equity (ROE) | 6.0885% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.0885% | 2,630 |
| Net charge-offs to loans | 0.2487% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.5421% | 2,530 |
| Efficiency ratio | 83.0129% | 1,886 |
| Assets per employee ($millions) | 2.9059% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 1,827 |
| Loan loss allowance to noncurrent loans | 140.3073% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 3.5328% | 1,199 |
| Noncurrent loans to loans | 1.4871% | 3,324 |
| Net loans and leases to total assets | 70.1292% | 1,637 |
| Net loans and leases to deposits | 77.6316% | 2,393 |
| Net loans and leases to core deposits | 84.9435% | 2,219 |
| Total domestic deposits to total assets | 90.3359% | 861 |
| Equity capital to assets | 9.1941% | 5,261 |
| Core capital (leverage) ratio | 8.6396% | 5,405 |
| Tier 1 risk-based capital ratio | 11.3505% | 6,257 |
| Total risk-based capital ratio | 12.6096% | 6,228 |
| Memoranda: | ||
| Average total assets | $237,497,000 | 2,703 |
| Average earning assets | $202,969,500 | 2,865 |
| Average equity | $21,746,000 | 3,056 |
| Average total loans | $172,104,500 | 2,301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 1,065 |
| Cost of funding earning assets | 0.6303% | 4,097 |
| Net interest margin | 4.5960% | 794 |
| Noninterest income to average assets | 0.9247% | 1,787 |
| Noninterest expense to average assets | 4.0313% | 946 |
| Loan and lease loss provision to assets | 0.1278% | 4,015 |
| Net operating income to assets | 0.4579% | 4,846 |
| Return on assets (ROA) | 0.4579% | 5,098 |
| Pretax return on assets | 0.6385% | 4,857 |
| Return on Equity (ROE) | 5.1251% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.1251% | 2,618 |
| Net charge-offs to loans | 0.5313% | 2,133 |
| Credit loss provision to net charge-offs | 32.4675% | 5,076 |
| Earnings coverage of net charge-offs (x) | 1.9470% | 4,449 |
| Efficiency ratio | 84.0288% | 1,633 |
| Assets per employee ($millions) | 2.8519% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 1,940 |
| Loan loss allowance to noncurrent loans | 115.9750% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 3.7886% | 1,161 |
| Noncurrent loans to loans | 1.7494% | 2,986 |
| Net loans and leases to total assets | 71.8264% | 1,513 |
| Net loans and leases to deposits | 79.3804% | 2,365 |
| Net loans and leases to core deposits | 87.6555% | 2,128 |
| Total domestic deposits to total assets | 90.4838% | 710 |
| Equity capital to assets | 9.1183% | 5,379 |
| Core capital (leverage) ratio | 8.5659% | 5,516 |
| Tier 1 risk-based capital ratio | 11.0225% | 6,342 |
| Total risk-based capital ratio | 12.2824% | 6,307 |
| Memoranda: | ||
| Average total assets | $234,785,800 | 2,678 |
| Average earning assets | $197,846,200 | 2,866 |
| Average equity | $20,975,200 | 3,091 |
| Average total loans | $173,917,400 | 2,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 1,187 |
| Cost of funding earning assets | 0.6729% | 3,994 |
| Net interest margin | 4.5309% | 935 |
| Noninterest income to average assets | 0.9315% | 1,730 |
| Noninterest expense to average assets | 4.0300% | 902 |
| Loan and lease loss provision to assets | 0.1707% | 3,419 |
| Net operating income to assets | 0.3966% | 5,265 |
| Return on assets (ROA) | 0.3966% | 5,486 |
| Pretax return on assets | 0.5434% | 5,335 |
| Return on Equity (ROE) | 4.4629% | 5,060 |
| Retained earnings to average equity (ytd only) | 4.4629% | 3,756 |
| Net charge-offs to loans | 0.7103% | 1,557 |
| Credit loss provision to net charge-offs | 32.3625% | 4,762 |
| Earnings coverage of net charge-offs (x) | 1.3538% | 4,620 |
| Efficiency ratio | 84.9466% | 1,480 |
| Assets per employee ($millions) | 2.7864% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 2,052 |
| Loan loss allowance to noncurrent loans | 94.2658% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 4.2928% | 1,094 |
| Noncurrent loans to loans | 2.1673% | 2,658 |
| Net loans and leases to total assets | 72.9332% | 1,403 |
| Net loans and leases to deposits | 80.9454% | 2,257 |
| Net loans and leases to core deposits | 90.3261% | 1,949 |
| Total domestic deposits to total assets | 90.1017% | 794 |
| Equity capital to assets | 9.1745% | 5,622 |
| Core capital (leverage) ratio | 8.3212% | 5,977 |
| Tier 1 risk-based capital ratio | 10.7741% | 6,575 |
| Total risk-based capital ratio | 12.0329% | 6,547 |
| Memoranda: | ||
| Average total assets | $234,304,500 | 2,708 |
| Average earning assets | $197,160,000 | 2,895 |
| Average equity | $20,823,000 | 3,134 |
| Average total loans | $174,011,250 | 2,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 1,322 |
| Cost of funding earning assets | 0.7292% | 3,777 |
| Net interest margin | 4.4478% | 1,085 |
| Noninterest income to average assets | 0.9460% | 1,631 |
| Noninterest expense to average assets | 3.8748% | 1,110 |
| Loan and lease loss provision to assets | 0.2550% | 2,539 |
| Net operating income to assets | 0.4046% | 5,198 |
| Return on assets (ROA) | 0.4046% | 5,434 |
| Pretax return on assets | 0.5542% | 5,295 |
| Return on Equity (ROE) | 4.6010% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.6010% | 3,548 |
| Net charge-offs to loans | 0.6803% | 1,630 |
| Credit loss provision to net charge-offs | 50.5051% | 4,029 |
| Earnings coverage of net charge-offs (x) | 1.6027% | 4,193 |
| Efficiency ratio | 82.7255% | 1,783 |
| Assets per employee ($millions) | 2.9564% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 1,669 |
| Loan loss allowance to noncurrent loans | 139.5290% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 4.0006% | 1,274 |
| Noncurrent loans to loans | 1.6149% | 3,484 |
| Net loans and leases to total assets | 69.7636% | 1,962 |
| Net loans and leases to deposits | 76.8470% | 2,863 |
| Net loans and leases to core deposits | 83.5237% | 2,752 |
| Total domestic deposits to total assets | 90.7824% | 529 |
| Equity capital to assets | 8.7641% | 5,954 |
| Core capital (leverage) ratio | 8.1784% | 6,071 |
| Tier 1 risk-based capital ratio | 10.6946% | 6,615 |
| Total risk-based capital ratio | 11.9558% | 6,599 |
| Memoranda: | ||
| Average total assets | $235,315,330 | 2,708 |
| Average earning assets | $197,761,000 | 2,903 |
| Average equity | $20,691,330 | 3,138 |
| Average total loans | $174,617,670 | 2,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 1,198 |
| Cost of funding earning assets | 0.7459% | 3,894 |
| Net interest margin | 4.5081% | 998 |
| Noninterest income to average assets | 0.6088% | 3,173 |
| Noninterest expense to average assets | 3.9204% | 1,036 |
| Loan and lease loss provision to assets | 0.3430% | 1,825 |
| Net operating income to assets | 0.1406% | 6,143 |
| Return on assets (ROA) | 0.1406% | 6,270 |
| Pretax return on assets | 0.1183% | 6,353 |
| Return on Equity (ROE) | 1.5966% | 6,192 |
| Retained earnings to average equity (ytd only) | 1.5966% | 5,439 |
| Net charge-offs to loans | 0.9429% | 1,098 |
| Credit loss provision to net charge-offs | 48.0769% | 3,315 |
| Earnings coverage of net charge-offs (x) | 0.6466% | 4,012 |
| Efficiency ratio | 89.4716% | 1,141 |
| Assets per employee ($millions) | 2.9573% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 1,760 |
| Loan loss allowance to noncurrent loans | 50.2430% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 5.6741% | 856 |
| Noncurrent loans to loans | 4.4959% | 1,300 |
| Net loans and leases to total assets | 71.8406% | 1,431 |
| Net loans and leases to deposits | 80.9279% | 2,070 |
| Net loans and leases to core deposits | 88.4860% | 1,998 |
| Total domestic deposits to total assets | 88.7711% | 1,837 |
| Equity capital to assets | 8.6937% | 5,877 |
| Core capital (leverage) ratio | 7.9454% | 6,302 |
| Tier 1 risk-based capital ratio | 10.2434% | 6,812 |
| Total risk-based capital ratio | 11.5048% | 6,810 |
| Memoranda: | ||
| Average total assets | $233,240,000 | 2,737 |
| Average earning assets | $195,203,000 | 2,961 |
| Average equity | $20,543,500 | 3,158 |
| Average total loans | $176,471,000 | 2,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 1,892 |
| Cost of funding earning assets | 1.0275% | 3,179 |
| Net interest margin | 4.2178% | 2,001 |
| Noninterest income to average assets | 0.8038% | 2,039 |
| Noninterest expense to average assets | 3.7957% | 1,355 |
| Loan and lease loss provision to assets | 1.4227% | 538 |
| Net operating income to assets | -0.4453% | 6,448 |
| Return on assets (ROA) | -0.4451% | 6,501 |
| Pretax return on assets | -0.8790% | 6,680 |
| Return on Equity (ROE) | -5.4658% | 6,557 |
| Retained earnings to average equity (ytd only) | -5.4658% | 6,483 |
| Net charge-offs to loans | 1.6824% | 909 |
| Credit loss provision to net charge-offs | 114.2952% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.4365% | 5,493 |
| Efficiency ratio | 87.4786% | 1,402 |
| Assets per employee ($millions) | 2.9101% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 1,600 |
| Loan loss allowance to noncurrent loans | 61.6174% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 5.5947% | 908 |
| Noncurrent loans to loans | 3.7571% | 1,673 |
| Net loans and leases to total assets | 76.0804% | 943 |
| Net loans and leases to deposits | 85.9024% | 1,681 |
| Net loans and leases to core deposits | 95.2429% | 1,566 |
| Total domestic deposits to total assets | 88.5661% | 1,810 |
| Equity capital to assets | 8.9254% | 5,644 |
| Core capital (leverage) ratio | 8.0092% | 6,254 |
| Tier 1 risk-based capital ratio | 9.8147% | 6,895 |
| Total risk-based capital ratio | 11.0766% | 6,887 |
| Memoranda: | ||
| Average total assets | $242,218,800 | 2,609 |
| Average earning assets | $203,020,400 | 2,812 |
| Average equity | $19,722,600 | 3,187 |
| Average total loans | $179,204,600 | 2,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 2,386 |
| Cost of funding earning assets | 1.0348% | 3,428 |
| Net interest margin | 4.1158% | 2,411 |
| Noninterest income to average assets | 0.7158% | 2,503 |
| Noninterest expense to average assets | 3.7260% | 1,440 |
| Loan and lease loss provision to assets | 1.7643% | 343 |
| Net operating income to assets | -0.7705% | 6,782 |
| Return on assets (ROA) | -0.7702% | 6,819 |
| Pretax return on assets | -1.3170% | 6,972 |
| Return on Equity (ROE) | -9.6770% | 6,883 |
| Retained earnings to average equity (ytd only) | -9.6770% | 6,847 |
| Net charge-offs to loans | 2.2226% | 554 |
| Credit loss provision to net charge-offs | 108.6345% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.2751% | 5,391 |
| Efficiency ratio | 89.2927% | 1,212 |
| Assets per employee ($millions) | 2.8903% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 1,825 |
| Loan loss allowance to noncurrent loans | 39.1484% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 6.3665% | 820 |
| Noncurrent loans to loans | 5.6653% | 1,024 |
| Net loans and leases to total assets | 72.9974% | 1,508 |
| Net loans and leases to deposits | 82.6250% | 2,236 |
| Net loans and leases to core deposits | 90.7088% | 2,161 |
| Total domestic deposits to total assets | 88.3478% | 1,845 |
| Equity capital to assets | 8.2628% | 6,517 |
| Core capital (leverage) ratio | 7.3399% | 6,836 |
| Tier 1 risk-based capital ratio | 9.4142% | 7,062 |
| Total risk-based capital ratio | 10.6783% | 7,060 |
| Memoranda: | ||
| Average total assets | $245,299,750 | 2,581 |
| Average earning assets | $206,029,500 | 2,786 |
| Average equity | $19,523,500 | 3,218 |
| Average total loans | $179,243,250 | 2,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 2,818 |
| Cost of funding earning assets | 1.0812% | 3,381 |
| Net interest margin | 3.9905% | 2,881 |
| Noninterest income to average assets | 0.7090% | 2,507 |
| Noninterest expense to average assets | 3.7442% | 1,458 |
| Loan and lease loss provision to assets | 1.8260% | 360 |
| Net operating income to assets | -0.8989% | 6,908 |
| Return on assets (ROA) | -0.8984% | 6,911 |
| Pretax return on assets | -1.5176% | 7,078 |
| Return on Equity (ROE) | -11.4292% | 6,981 |
| Retained earnings to average equity (ytd only) | -11.4292% | 6,929 |
| Net charge-offs to loans | 2.5087% | 467 |
| Credit loss provision to net charge-offs | 100.3112% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.1690% | 5,177 |
| Efficiency ratio | 92.4091% | 1,072 |
| Assets per employee ($millions) | 3.0013% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 2,124 |
| Loan loss allowance to noncurrent loans | 31.6089% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 5.7944% | 988 |
| Noncurrent loans to loans | 6.6452% | 820 |
| Net loans and leases to total assets | 69.6215% | 2,296 |
| Net loans and leases to deposits | 78.4088% | 3,056 |
| Net loans and leases to core deposits | 86.0468% | 2,898 |
| Total domestic deposits to total assets | 88.7930% | 1,672 |
| Equity capital to assets | 7.9967% | 6,685 |
| Core capital (leverage) ratio | 7.3193% | 6,853 |
| Tier 1 risk-based capital ratio | 9.6912% | 7,061 |
| Total risk-based capital ratio | 10.9506% | 7,061 |
| Memoranda: | ||
| Average total assets | $247,101,330 | 2,581 |
| Average earning assets | $206,992,330 | 2,793 |
| Average equity | $19,424,000 | 3,214 |
| Average total loans | $179,294,670 | 2,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1747% | 2,324 |
| Cost of funding earning assets | 1.1155% | 3,417 |
| Net interest margin | 4.0592% | 2,437 |
| Noninterest income to average assets | 0.5380% | 3,594 |
| Noninterest expense to average assets | 3.9090% | 1,162 |
| Loan and lease loss provision to assets | 1.6091% | 380 |
| Net operating income to assets | -0.9437% | 7,027 |
| Return on assets (ROA) | -0.9427% | 7,026 |
| Pretax return on assets | -1.5896% | 7,188 |
| Return on Equity (ROE) | -12.0985% | 7,076 |
| Retained earnings to average equity (ytd only) | -12.0985% | 6,944 |
| Net charge-offs to loans | 1.9028% | 675 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | 0.0128% | 4,568 |
| Efficiency ratio | 99.5447% | 764 |
| Assets per employee ($millions) | 2.9642% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 2,096 |
| Loan loss allowance to noncurrent loans | 45.2034% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 5.1937% | 1,205 |
| Noncurrent loans to loans | 4.7367% | 1,456 |
| Net loans and leases to total assets | 70.5763% | 2,014 |
| Net loans and leases to deposits | 80.4562% | 2,622 |
| Net loans and leases to core deposits | 89.3886% | 2,428 |
| Total domestic deposits to total assets | 87.7201% | 2,545 |
| Equity capital to assets | 7.9211% | 6,575 |
| Core capital (leverage) ratio | 7.2513% | 6,892 |
| Tier 1 risk-based capital ratio | 9.4140% | 7,168 |
| Total risk-based capital ratio | 10.6740% | 7,164 |
| Memoranda: | ||
| Average total assets | $246,100,000 | 2,597 |
| Average earning assets | $205,460,500 | 2,834 |
| Average equity | $19,176,000 | 3,234 |
| Average total loans | $180,366,500 | 2,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 3,867 |
| Cost of funding earning assets | 1.2554% | 4,178 |
| Net interest margin | 3.8919% | 3,531 |
| Noninterest income to average assets | 0.5773% | 3,600 |
| Noninterest expense to average assets | 3.4166% | 2,394 |
| Loan and lease loss provision to assets | 2.6450% | 403 |
| Net operating income to assets | -1.2913% | 6,826 |
| Return on assets (ROA) | -1.1983% | 6,809 |
| Pretax return on assets | -2.0140% | 7,033 |
| Return on Equity (ROE) | -15.4863% | 6,936 |
| Retained earnings to average equity (ytd only) | -15.4863% | 6,899 |
| Net charge-offs to loans | 3.3413% | 453 |
| Credit loss provision to net charge-offs | 110.7366% | 3,973 |
| Earnings coverage of net charge-offs (x) | 0.2033% | 5,904 |
| Efficiency ratio | 87.5540% | 1,515 |
| Assets per employee ($millions) | 2.9302% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 2,175 |
| Loan loss allowance to noncurrent loans | 35.9118% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 6.6100% | 857 |
| Noncurrent loans to loans | 5.7088% | 1,121 |
| Net loans and leases to total assets | 72.9601% | 1,885 |
| Net loans and leases to deposits | 82.9872% | 2,633 |
| Net loans and leases to core deposits | 93.6153% | 2,308 |
| Total domestic deposits to total assets | 87.9173% | 2,301 |
| Equity capital to assets | 7.6597% | 6,773 |
| Core capital (leverage) ratio | 7.0231% | 7,015 |
| Tier 1 risk-based capital ratio | 8.9839% | 7,250 |
| Total risk-based capital ratio | 10.2474% | 7,252 |
| Memoranda: | ||
| Average total assets | $260,870,400 | 2,447 |
| Average earning assets | $222,871,800 | 2,596 |
| Average equity | $20,185,600 | 3,124 |
| Average total loans | $186,482,600 | 2,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 4,190 |
| Cost of funding earning assets | 1.2245% | 4,718 |
| Net interest margin | 3.9014% | 3,515 |
| Noninterest income to average assets | 0.7579% | 2,464 |
| Noninterest expense to average assets | 3.3869% | 2,333 |
| Loan and lease loss provision to assets | 2.7944% | 338 |
| Net operating income to assets | -1.2335% | 6,995 |
| Return on assets (ROA) | -1.1650% | 7,004 |
| Pretax return on assets | -1.9631% | 7,188 |
| Return on Equity (ROE) | -15.0213% | 7,105 |
| Retained earnings to average equity (ytd only) | -15.0213% | 7,078 |
| Net charge-offs to loans | 3.4721% | 394 |
| Credit loss provision to net charge-offs | 113.6782% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.2946% | 5,733 |
| Efficiency ratio | 82.3839% | 2,023 |
| Assets per employee ($millions) | 3.0509% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 2,206 |
| Loan loss allowance to noncurrent loans | 31.1551% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 6.4144% | 892 |
| Noncurrent loans to loans | 6.4332% | 932 |
| Net loans and leases to total assets | 72.5862% | 2,105 |
| Net loans and leases to deposits | 85.4496% | 2,445 |
| Net loans and leases to core deposits | 97.2135% | 2,130 |
| Total domestic deposits to total assets | 84.9462% | 3,641 |
| Equity capital to assets | 7.6696% | 7,020 |
| Core capital (leverage) ratio | 7.0955% | 7,113 |
| Tier 1 risk-based capital ratio | 9.1937% | 7,329 |
| Total risk-based capital ratio | 10.4567% | 7,336 |
| Memoranda: | ||
| Average total assets | $265,286,250 | 2,440 |
| Average earning assets | $228,014,000 | 2,583 |
| Average equity | $20,574,750 | 3,105 |
| Average total loans | $187,813,750 | 2,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,423 |
| Cost of funding earning assets | 1.2206% | 5,012 |
| Net interest margin | 3.8847% | 3,514 |
| Noninterest income to average assets | 0.7140% | 2,626 |
| Noninterest expense to average assets | 3.3833% | 2,309 |
| Loan and lease loss provision to assets | 1.1098% | 1,290 |
| Net operating income to assets | -0.4284% | 6,594 |
| Return on assets (ROA) | -0.4247% | 6,628 |
| Pretax return on assets | -0.4247% | 6,533 |
| Return on Equity (ROE) | -5.4570% | 6,736 |
| Retained earnings to average equity (ytd only) | -5.4570% | 6,607 |
| Net charge-offs to loans | 1.6581% | 1,138 |
| Credit loss provision to net charge-offs | 95.9079% | 4,241 |
| Earnings coverage of net charge-offs (x) | 0.5889% | 5,150 |
| Efficiency ratio | 83.2363% | 2,009 |
| Assets per employee ($millions) | 3.3499% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 3,385 |
| Loan loss allowance to noncurrent loans | 23.9419% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 5.9823% | 984 |
| Noncurrent loans to loans | 6.7477% | 866 |
| Net loans and leases to total assets | 66.0891% | 3,813 |
| Net loans and leases to deposits | 77.8098% | 4,012 |
| Net loans and leases to core deposits | 86.5133% | 3,763 |
| Total domestic deposits to total assets | 84.9366% | 3,666 |
| Equity capital to assets | 7.6260% | 7,038 |
| Core capital (leverage) ratio | 7.6574% | 6,666 |
| Tier 1 risk-based capital ratio | 10.6118% | 6,598 |
| Total risk-based capital ratio | 11.8653% | 6,594 |
| Memoranda: | ||
| Average total assets | $270,325,000 | 2,420 |
| Average earning assets | $233,171,330 | 2,559 |
| Average equity | $21,037,330 | 3,039 |
| Average total loans | $188,650,670 | 2,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4850% | 2,657 |
| Cost of funding earning assets | 1.2413% | 5,170 |
| Net interest margin | 4.2437% | 1,876 |
| Noninterest income to average assets | 0.7623% | 2,219 |
| Noninterest expense to average assets | 3.5355% | 1,902 |
| Loan and lease loss provision to assets | 0.7459% | 1,705 |
| Net operating income to assets | 0.1223% | 5,956 |
| Return on assets (ROA) | 0.1298% | 6,051 |
| Pretax return on assets | 0.1298% | 6,061 |
| Return on Equity (ROE) | 1.6507% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.6507% | 5,111 |
| Net charge-offs to loans | 1.6150% | 1,077 |
| Credit loss provision to net charge-offs | 64.9351% | 4,206 |
| Earnings coverage of net charge-offs (x) | 0.7558% | 4,354 |
| Efficiency ratio | 80.2846% | 2,520 |
| Assets per employee ($millions) | 3.3104% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 4,034 |
| Loan loss allowance to noncurrent loans | 90.8644% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 2.9777% | 2,414 |
| Noncurrent loans to loans | 1.6251% | 4,309 |
| Net loans and leases to total assets | 68.2087% | 3,338 |
| Net loans and leases to deposits | 80.4834% | 3,557 |
| Net loans and leases to core deposits | 94.9396% | 2,709 |
| Total domestic deposits to total assets | 84.7489% | 3,780 |
| Equity capital to assets | 7.7751% | 6,862 |
| Core capital (leverage) ratio | 7.9476% | 6,314 |
| Tier 1 risk-based capital ratio | 10.3706% | 6,739 |
| Total risk-based capital ratio | 11.6221% | 6,735 |
| Memoranda: | ||
| Average total assets | $268,141,000 | 2,491 |
| Average earning assets | $230,083,000 | 2,643 |
| Average equity | $21,082,000 | 3,056 |
| Average total loans | $190,714,500 | 2,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 3,429 |
| Cost of funding earning assets | 1.8783% | 3,572 |
| Net interest margin | 3.7541% | 3,895 |
| Noninterest income to average assets | 0.6274% | 3,445 |
| Noninterest expense to average assets | 3.1490% | 3,552 |
| Loan and lease loss provision to assets | 1.6872% | 1,352 |
| Net operating income to assets | -0.5159% | 6,197 |
| Return on assets (ROA) | -0.5069% | 6,180 |
| Pretax return on assets | -0.9241% | 6,360 |
| Return on Equity (ROE) | -6.5762% | 6,350 |
| Retained earnings to average equity (ytd only) | -6.5762% | 6,203 |
| Net charge-offs to loans | 2.3792% | 964 |
| Credit loss provision to net charge-offs | 98.1450% | 5,676 |
| Earnings coverage of net charge-offs (x) | 0.4357% | 5,669 |
| Efficiency ratio | 80.7839% | 2,775 |
| Assets per employee ($millions) | 3.1907% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 3,385 |
| Loan loss allowance to noncurrent loans | 80.2372% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 3.0054% | 2,331 |
| Noncurrent loans to loans | 1.9613% | 3,710 |
| Net loans and leases to total assets | 71.9160% | 2,768 |
| Net loans and leases to deposits | 85.2089% | 3,047 |
| Net loans and leases to core deposits | 105.3787% | 3,408 |
| Total domestic deposits to total assets | 84.3996% | 3,843 |
| Equity capital to assets | 7.9516% | 6,627 |
| Core capital (leverage) ratio | 7.7237% | 6,533 |
| Tier 1 risk-based capital ratio | 9.9795% | 6,889 |
| Total risk-based capital ratio | 11.2319% | 6,860 |
| Memoranda: | ||
| Average total assets | $269,671,800 | 2,421 |
| Average earning assets | $234,944,200 | 2,555 |
| Average equity | $20,787,200 | 3,099 |
| Average total loans | $194,853,400 | 2,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 3,758 |
| Cost of funding earning assets | 1.9754% | 3,485 |
| Net interest margin | 3.6420% | 4,314 |
| Noninterest income to average assets | 0.7226% | 2,866 |
| Noninterest expense to average assets | 3.1604% | 3,434 |
| Loan and lease loss provision to assets | 1.7473% | 1,055 |
| Net operating income to assets | -0.6281% | 6,547 |
| Return on assets (ROA) | -0.6281% | 6,555 |
| Pretax return on assets | -0.9972% | 6,685 |
| Return on Equity (ROE) | -8.2111% | 6,751 |
| Retained earnings to average equity (ytd only) | -8.2111% | 6,625 |
| Net charge-offs to loans | 1.6612% | 1,222 |
| Credit loss provision to net charge-offs | 145.9704% | 3,332 |
| Earnings coverage of net charge-offs (x) | 0.6266% | 5,400 |
| Efficiency ratio | 80.8181% | 2,734 |
| Assets per employee ($millions) | 3.3473% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,423 |
| Loan loss allowance to noncurrent loans | 144.7700% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 2.5604% | 2,713 |
| Noncurrent loans to loans | 1.5191% | 4,376 |
| Net loans and leases to total assets | 69.6930% | 3,579 |
| Net loans and leases to deposits | 87.7312% | 3,018 |
| Net loans and leases to core deposits | 108.8700% | 3,360 |
| Total domestic deposits to total assets | 79.4393% | 5,645 |
| Equity capital to assets | 7.8077% | 7,034 |
| Core capital (leverage) ratio | 7.7589% | 6,653 |
| Tier 1 risk-based capital ratio | 10.0746% | 6,906 |
| Total risk-based capital ratio | 11.3343% | 6,845 |
| Memoranda: | ||
| Average total assets | $270,883,000 | 2,416 |
| Average earning assets | $237,116,000 | 2,552 |
| Average equity | $20,719,500 | 3,135 |
| Average total loans | $195,192,250 | 2,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 3,685 |
| Cost of funding earning assets | 2.0960% | 3,290 |
| Net interest margin | 3.5799% | 4,451 |
| Noninterest income to average assets | 0.7880% | 2,474 |
| Noninterest expense to average assets | 3.1558% | 3,482 |
| Loan and lease loss provision to assets | 0.9970% | 1,690 |
| Net operating income to assets | -0.2356% | 6,237 |
| Return on assets (ROA) | -0.2356% | 6,257 |
| Pretax return on assets | -0.2290% | 6,157 |
| Return on Equity (ROE) | -3.1017% | 6,370 |
| Retained earnings to average equity (ytd only) | -3.1017% | 5,986 |
| Net charge-offs to loans | 1.3204% | 1,398 |
| Credit loss provision to net charge-offs | 104.4084% | 4,400 |
| Earnings coverage of net charge-offs (x) | 0.8043% | 4,931 |
| Efficiency ratio | 80.4254% | 2,972 |
| Assets per employee ($millions) | 3.1893% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 2,366 |
| Loan loss allowance to noncurrent loans | 122.2862% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5797% | 2,499 |
| Noncurrent loans to loans | 1.3873% | 4,439 |
| Net loans and leases to total assets | 68.9574% | 3,955 |
| Net loans and leases to deposits | 87.5423% | 3,250 |
| Net loans and leases to core deposits | 110.9945% | 3,254 |
| Total domestic deposits to total assets | 78.7704% | 5,870 |
| Equity capital to assets | 7.5875% | 7,189 |
| Core capital (leverage) ratio | 7.3756% | 7,157 |
| Tier 1 risk-based capital ratio | 9.8572% | 7,079 |
| Total risk-based capital ratio | 11.1108% | 7,006 |
| Memoranda: | ||
| Average total assets | $270,801,000 | 2,440 |
| Average earning assets | $237,215,330 | 2,552 |
| Average equity | $20,569,670 | 3,166 |
| Average total loans | $195,854,000 | 2,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7825% | 3,392 |
| Cost of funding earning assets | 2.1958% | 3,186 |
| Net interest margin | 3.5867% | 4,375 |
| Noninterest income to average assets | 0.7625% | 2,525 |
| Noninterest expense to average assets | 3.1868% | 3,050 |
| Loan and lease loss provision to assets | 0.6612% | 1,915 |
| Net operating income to assets | 0.0955% | 5,992 |
| Return on assets (ROA) | 0.0955% | 6,157 |
| Pretax return on assets | 0.0705% | 6,231 |
| Return on Equity (ROE) | 1.2566% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.2566% | 5,135 |
| Net charge-offs to loans | 1.6175% | 897 |
| Credit loss provision to net charge-offs | 55.6931% | 4,590 |
| Earnings coverage of net charge-offs (x) | 0.6163% | 4,500 |
| Efficiency ratio | 81.3273% | 2,637 |
| Assets per employee ($millions) | 3.2738% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,446 |
| Loan loss allowance to noncurrent loans | 52.5388% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.6456% | 2,168 |
| Noncurrent loans to loans | 2.6837% | 2,449 |
| Net loans and leases to total assets | 69.6778% | 3,755 |
| Net loans and leases to deposits | 87.6681% | 3,343 |
| Net loans and leases to core deposits | 114.7242% | 2,931 |
| Total domestic deposits to total assets | 79.4790% | 5,553 |
| Equity capital to assets | 7.4528% | 7,394 |
| Core capital (leverage) ratio | 7.6313% | 6,984 |
| Tier 1 risk-based capital ratio | 9.8278% | 7,110 |
| Total risk-based capital ratio | 11.0789% | 7,022 |
| Memoranda: | ||
| Average total assets | $272,251,500 | 2,442 |
| Average earning assets | $239,551,500 | 2,537 |
| Average equity | $20,691,000 | 3,150 |
| Average total loans | $199,818,500 | 2,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 3,077 |
| Cost of funding earning assets | 2.6415% | 3,475 |
| Net interest margin | 3.8357% | 3,865 |
| Noninterest income to average assets | 0.8586% | 2,173 |
| Noninterest expense to average assets | 3.0500% | 3,898 |
| Loan and lease loss provision to assets | 0.5441% | 2,646 |
| Net operating income to assets | 0.4431% | 4,980 |
| Return on assets (ROA) | 0.4431% | 4,802 |
| Pretax return on assets | 0.5967% | 4,705 |
| Return on Equity (ROE) | 5.5328% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.8321% | 3,411 |
| Net charge-offs to loans | 0.2336% | 3,913 |
| Credit loss provision to net charge-offs | 314.4144% | 1,437 |
| Earnings coverage of net charge-offs (x) | 6.5923% | 3,331 |
| Efficiency ratio | 72.7797% | 3,799 |
| Assets per employee ($millions) | 3.0601% | 5,895 |
| Cash dividends to net income (ytd only)* | 48.8127% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,487 |
| Loan loss allowance to noncurrent loans | 38.6973% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.1018% | 1,479 |
| Noncurrent loans to loans | 3.9863% | 1,234 |
| Net loans and leases to total assets | 75.0624% | 2,871 |
| Net loans and leases to deposits | 95.4314% | 2,543 |
| Net loans and leases to core deposits | 114.8677% | 3,249 |
| Total domestic deposits to total assets | 78.6558% | 5,498 |
| Equity capital to assets | 7.7538% | 7,151 |
| Core capital (leverage) ratio | 7.8368% | 6,744 |
| Tier 1 risk-based capital ratio | 9.6977% | 7,085 |
| Total risk-based capital ratio | 10.9508% | 6,987 |
| Memoranda: | ||
| Average total assets | $256,589,400 | 2,495 |
| Average earning assets | $222,904,600 | 2,626 |
| Average equity | $20,550,200 | 3,149 |
| Average total loans | $190,090,400 | 2,390 |