Home > First Bank of Ohio > Performance and Condition Ratios
First Bank of Ohio, 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 | 7.7066% | 135 |
| Cost of funding earning assets | 2.4946% | 365 |
| Net interest margin | 5.2119% | 261 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9152% | 3,809 |
| Loan and lease loss provision to assets | 1.1600% | 54 |
| Net operating income to assets | 1.6246% | 831 |
| Return on assets (ROA) | 1.6193% | 805 |
| Pretax return on assets | 1.9875% | 690 |
| Return on Equity (ROE) | 5.7800% | 3,570 |
| Retained earnings to average equity (ytd only) | 4.5803% | 2,763 |
| Net charge-offs to loans | 1.4317% | 65 |
| Credit loss provision to net charge-offs | 97.5837% | 1,872 |
| Earnings coverage of net charge-offs (x) | 2.6562% | 2,684 |
| Efficiency ratio | 37.7958% | 4,402 |
| Assets per employee ($millions) | 5.9185% | 2,885 |
| Cash dividends to net income (ytd only)* | 20.7646% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3778% | 222 |
| Loan loss allowance to noncurrent loans | 623.3539% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,709 |
| Noncurrent loans to loans | 0.3815% | 1,843 |
| Net loans and leases to total assets | 79.3000% | 727 |
| Net loans and leases to deposits | 111.1463% | 179 |
| Net loans and leases to core deposits | 217.5014% | 69 |
| Total domestic deposits to total assets | 71.3500% | 4,250 |
| Equity capital to assets | 27.9455% | 166 |
| Core capital (leverage) ratio | 28.5845% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $306,920,200 | 2,397 |
| Average earning assets | $285,172,600 | 2,381 |
| Average equity | $85,976,600 | 1,071 |
| Average total loans | $254,378,000 | 1,981 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5767% | 136 |
| Cost of funding earning assets | 2.3552% | 360 |
| Net interest margin | 5.2215% | 252 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9290% | 3,761 |
| Loan and lease loss provision to assets | 1.1600% | 49 |
| Net operating income to assets | 1.6083% | 932 |
| Return on assets (ROA) | 1.6001% | 935 |
| Pretax return on assets | 1.9438% | 810 |
| Return on Equity (ROE) | 5.7100% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.7084% | 2,716 |
| Net charge-offs to loans | 1.3796% | 64 |
| Credit loss provision to net charge-offs | 100.8742% | 1,612 |
| Earnings coverage of net charge-offs (x) | 2.7089% | 2,467 |
| Efficiency ratio | 38.2570% | 4,408 |
| Assets per employee ($millions) | 5.6885% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 226 |
| Loan loss allowance to noncurrent loans | 662.7282% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,799 |
| Noncurrent loans to loans | 0.3646% | 1,926 |
| Net loans and leases to total assets | 81.1200% | 520 |
| Net loans and leases to deposits | 114.3062% | 130 |
| Net loans and leases to core deposits | 223.0282% | 29 |
| Total domestic deposits to total assets | 70.9700% | 4,293 |
| Equity capital to assets | 28.3770% | 169 |
| Core capital (leverage) ratio | 28.5971% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $305,230,750 | 2,410 |
| Average earning assets | $283,284,000 | 2,395 |
| Average equity | $85,556,000 | 1,069 |
| Average total loans | $254,269,750 | 1,983 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3329% | 141 |
| Cost of funding earning assets | 2.1415% | 382 |
| Net interest margin | 5.1914% | 244 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.8438% | 3,923 |
| Loan and lease loss provision to assets | 1.1500% | 53 |
| Net operating income to assets | 1.6802% | 818 |
| Return on assets (ROA) | 1.6738% | 830 |
| Pretax return on assets | 2.0408% | 701 |
| Return on Equity (ROE) | 6.0000% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,622 |
| Net charge-offs to loans | 1.2374% | 67 |
| Credit loss provision to net charge-offs | 111.6486% | 1,369 |
| Earnings coverage of net charge-offs (x) | 3.1025% | 2,276 |
| Efficiency ratio | 36.5530% | 4,463 |
| Assets per employee ($millions) | 6.2560% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 233 |
| Loan loss allowance to noncurrent loans | 687.2964% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 1,714 |
| Noncurrent loans to loans | 0.3573% | 1,854 |
| Net loans and leases to total assets | 82.0300% | 425 |
| Net loans and leases to deposits | 115.0491% | 132 |
| Net loans and leases to core deposits | 218.2557% | 29 |
| Total domestic deposits to total assets | 71.3000% | 4,318 |
| Equity capital to assets | 28.1081% | 165 |
| Core capital (leverage) ratio | 28.2004% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $304,581,667 | 2,421 |
| Average earning assets | $282,698,667 | 2,408 |
| Average equity | $85,018,667 | 1,066 |
| Average total loans | $253,911,000 | 1,987 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1135% | 110 |
| Cost of funding earning assets | 1.9040% | 362 |
| Net interest margin | 5.2095% | 221 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.7273% | 4,163 |
| Loan and lease loss provision to assets | 1.1300% | 60 |
| Net operating income to assets | 1.7355% | 769 |
| Return on assets (ROA) | 1.7312% | 767 |
| Pretax return on assets | 2.1173% | 638 |
| Return on Equity (ROE) | 6.2200% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,706 |
| Net charge-offs to loans | 1.6066% | 48 |
| Credit loss provision to net charge-offs | 84.3874% | 1,192 |
| Earnings coverage of net charge-offs (x) | 2.4358% | 1,931 |
| Efficiency ratio | 34.7193% | 4,561 |
| Assets per employee ($millions) | 6.8374% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3577% | 261 |
| Loan loss allowance to noncurrent loans | 702.9343% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 1,757 |
| Noncurrent loans to loans | 0.3354% | 1,950 |
| Net loans and leases to total assets | 80.6100% | 485 |
| Net loans and leases to deposits | 112.4639% | 148 |
| Net loans and leases to core deposits | 204.5718% | 32 |
| Total domestic deposits to total assets | 71.6800% | 4,369 |
| Equity capital to assets | 27.6712% | 131 |
| Core capital (leverage) ratio | 27.6905% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $303,600,000 | 2,449 |
| Average earning assets | $281,716,500 | 2,445 |
| Average equity | $84,446,000 | 1,086 |
| Average total loans | $251,965,500 | 2,014 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4456% | 70 |
| Cost of funding earning assets | 0.8877% | 263 |
| Net interest margin | 5.5579% | 77 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.5996% | 4,308 |
| Loan and lease loss provision to assets | 1.0400% | 43 |
| Net operating income to assets | 2.1407% | 235 |
| Return on assets (ROA) | 2.1248% | 229 |
| Pretax return on assets | 2.6263% | 177 |
| Return on Equity (ROE) | 7.4200% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.1618% | 2,581 |
| Net charge-offs to loans | 0.9495% | 68 |
| Credit loss provision to net charge-offs | 134.1277% | 1,379 |
| Earnings coverage of net charge-offs (x) | 4.7388% | 2,406 |
| Efficiency ratio | 30.2376% | 4,650 |
| Assets per employee ($millions) | 6.6559% | 2,212 |
| Cash dividends to net income (ytd only)* | 17.0073% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4597% | 219 |
| Loan loss allowance to noncurrent loans | 544.4641% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,359 |
| Noncurrent loans to loans | 0.4518% | 1,580 |
| Net loans and leases to total assets | 81.3900% | 466 |
| Net loans and leases to deposits | 113.7945% | 117 |
| Net loans and leases to core deposits | 204.2293% | 26 |
| Total domestic deposits to total assets | 71.5200% | 4,438 |
| Equity capital to assets | 27.9625% | 129 |
| Core capital (leverage) ratio | 28.0245% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $285,576,600 | 2,526 |
| Average earning assets | $264,163,800 | 2,528 |
| Average equity | $81,729,400 | 1,109 |
| Average total loans | $234,219,600 | 2,026 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2070% | 66 |
| Cost of funding earning assets | 0.6784% | 297 |
| Net interest margin | 5.5286% | 74 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.5886% | 4,312 |
| Loan and lease loss provision to assets | 1.0100% | 42 |
| Net operating income to assets | 2.1779% | 216 |
| Return on assets (ROA) | 2.1732% | 213 |
| Pretax return on assets | 2.6544% | 181 |
| Return on Equity (ROE) | 7.5500% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,167 |
| Net charge-offs to loans | 0.7752% | 68 |
| Credit loss provision to net charge-offs | 158.9993% | 1,099 |
| Earnings coverage of net charge-offs (x) | 5.7931% | 2,133 |
| Efficiency ratio | 30.2303% | 4,689 |
| Assets per employee ($millions) | 6.2090% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5071% | 231 |
| Loan loss allowance to noncurrent loans | 886.3702% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 2,059 |
| Noncurrent loans to loans | 0.2829% | 2,239 |
| Net loans and leases to total assets | 80.6100% | 483 |
| Net loans and leases to deposits | 112.6766% | 96 |
| Net loans and leases to core deposits | 197.6698% | 24 |
| Total domestic deposits to total assets | 71.5400% | 4,514 |
| Equity capital to assets | 27.9744% | 120 |
| Core capital (leverage) ratio | 28.4723% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $282,092,000 | 2,563 |
| Average earning assets | $260,797,000 | 2,567 |
| Average equity | $81,223,750 | 1,128 |
| Average total loans | $230,296,250 | 2,050 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0262% | 71 |
| Cost of funding earning assets | 0.4865% | 564 |
| Net interest margin | 5.5397% | 70 |
| Noninterest income to average assets | 0.1431% | 4,301 |
| Noninterest expense to average assets | 1.5695% | 4,336 |
| Loan and lease loss provision to assets | 1.2335% | 36 |
| Net operating income to assets | 1.9801% | 239 |
| Return on assets (ROA) | 1.9655% | 243 |
| Pretax return on assets | 2.4395% | 182 |
| Return on Equity (ROE) | 6.7571% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.7571% | 2,067 |
| Net charge-offs to loans | 0.8687% | 76 |
| Credit loss provision to net charge-offs | 174.7185% | 1,033 |
| Earnings coverage of net charge-offs (x) | 5.2282% | 1,935 |
| Efficiency ratio | 29.8352% | 4,715 |
| Assets per employee ($millions) | 6.3635% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5890% | 226 |
| Loan loss allowance to noncurrent loans | 2,845.5814% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,224 |
| Noncurrent loans to loans | 0.0910% | 3,314 |
| Net loans and leases to total assets | 80.3853% | 377 |
| Net loans and leases to deposits | 113.1267% | 74 |
| Net loans and leases to core deposits | 185.0691% | 29 |
| Total domestic deposits to total assets | 71.0578% | 4,602 |
| Equity capital to assets | 28.5196% | 67 |
| Core capital (leverage) ratio | 29.0266% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,778,333 | 2,604 |
| Average earning assets | $255,682,000 | 2,625 |
| Average equity | $80,507,333 | 1,152 |
| Average total loans | $224,922,333 | 2,078 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0619% | 66 |
| Cost of funding earning assets | 0.4313% | 718 |
| Net interest margin | 5.6306% | 63 |
| Noninterest income to average assets | 0.1471% | 4,274 |
| Noninterest expense to average assets | 1.4765% | 4,454 |
| Loan and lease loss provision to assets | 1.2559% | 34 |
| Net operating income to assets | 1.9780% | 232 |
| Return on assets (ROA) | 1.9560% | 243 |
| Pretax return on assets | 2.5707% | 165 |
| Return on Equity (ROE) | 6.6561% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.6561% | 2,008 |
| Net charge-offs to loans | 0.5109% | 136 |
| Credit loss provision to net charge-offs | 305.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 9.3607% | 1,490 |
| Efficiency ratio | 27.6966% | 4,754 |
| Assets per employee ($millions) | 6.3783% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6832% | 229 |
| Loan loss allowance to noncurrent loans | 1,342.7928% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,670 |
| Noncurrent loans to loans | 0.1998% | 2,822 |
| Net loans and leases to total assets | 78.8427% | 311 |
| Net loans and leases to deposits | 112.6275% | 56 |
| Net loans and leases to core deposits | 176.7632% | 27 |
| Total domestic deposits to total assets | 70.0031% | 4,658 |
| Equity capital to assets | 29.3355% | 64 |
| Core capital (leverage) ratio | 29.4000% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,989,000 | 2,649 |
| Average earning assets | $250,416,000 | 2,680 |
| Average equity | $79,927,000 | 1,202 |
| Average total loans | $219,230,000 | 2,102 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 83 |
| Cost of funding earning assets | 0.5591% | 669 |
| Net interest margin | 5.4191% | 91 |
| Noninterest income to average assets | 0.1693% | 4,313 |
| Noninterest expense to average assets | 1.6629% | 4,347 |
| Loan and lease loss provision to assets | 0.2569% | 351 |
| Net operating income to assets | 2.7339% | 121 |
| Return on assets (ROA) | 2.7431% | 124 |
| Pretax return on assets | 3.2294% | 117 |
| Return on Equity (ROE) | 8.9361% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.5906% | 1,694 |
| Net charge-offs to loans | 0.2575% | 351 |
| Credit loss provision to net charge-offs | 128.1437% | 1,595 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,943 |
| Efficiency ratio | 32.3623% | 4,778 |
| Assets per employee ($millions) | 6.2724% | 2,507 |
| Cash dividends to net income (ytd only)* | 15.0569% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4914% | 284 |
| Loan loss allowance to noncurrent loans | 1,464.1304% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,985 |
| Noncurrent loans to loans | 0.1702% | 3,097 |
| Net loans and leases to total assets | 78.1838% | 370 |
| Net loans and leases to deposits | 111.6978% | 74 |
| Net loans and leases to core deposits | 172.7440% | 31 |
| Total domestic deposits to total assets | 69.9959% | 4,684 |
| Equity capital to assets | 29.4376% | 63 |
| Core capital (leverage) ratio | 29.7358% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,862,000 | 2,733 |
| Average earning assets | $229,115,400 | 2,753 |
| Average equity | $76,700,400 | 1,249 |
| Average total loans | $194,549,400 | 2,272 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8347% | 104 |
| Cost of funding earning assets | 0.5900% | 670 |
| Net interest margin | 5.2447% | 112 |
| Noninterest income to average assets | 0.1661% | 4,373 |
| Noninterest expense to average assets | 1.6692% | 4,373 |
| Loan and lease loss provision to assets | 0.6860% | 69 |
| Net operating income to assets | 2.1040% | 393 |
| Return on assets (ROA) | 2.1053% | 412 |
| Pretax return on assets | 2.6182% | 280 |
| Return on Equity (ROE) | 6.7817% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.7817% | 2,501 |
| Net charge-offs to loans | 0.1911% | 443 |
| Credit loss provision to net charge-offs | 464.9446% | 794 |
| Earnings coverage of net charge-offs (x) | 22.3838% | 1,682 |
| Efficiency ratio | 33.5742% | 4,840 |
| Assets per employee ($millions) | 5.9392% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9870% | 155 |
| Loan loss allowance to noncurrent loans | 2,128.3276% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 3,363 |
| Noncurrent loans to loans | 0.1403% | 3,407 |
| Net loans and leases to total assets | 77.5024% | 431 |
| Net loans and leases to deposits | 110.8081% | 90 |
| Net loans and leases to core deposits | 174.9028% | 42 |
| Total domestic deposits to total assets | 69.9429% | 4,735 |
| Equity capital to assets | 29.6461% | 69 |
| Core capital (leverage) ratio | 30.1788% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,899,250 | 2,785 |
| Average earning assets | $224,399,250 | 2,808 |
| Average equity | $76,026,250 | 1,278 |
| Average total loans | $189,121,750 | 2,345 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 116 |
| Cost of funding earning assets | 0.6302% | 640 |
| Net interest margin | 5.1719% | 139 |
| Noninterest income to average assets | 0.1637% | 4,379 |
| Noninterest expense to average assets | 1.6874% | 4,377 |
| Loan and lease loss provision to assets | 0.8771% | 46 |
| Net operating income to assets | 1.8980% | 591 |
| Return on assets (ROA) | 1.9196% | 591 |
| Pretax return on assets | 2.3565% | 440 |
| Return on Equity (ROE) | 6.0839% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.0839% | 2,768 |
| Net charge-offs to loans | 0.2728% | 325 |
| Credit loss provision to net charge-offs | 421.6867% | 739 |
| Earnings coverage of net charge-offs (x) | 15.4177% | 1,636 |
| Efficiency ratio | 34.4769% | 4,866 |
| Assets per employee ($millions) | 5.5326% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0918% | 136 |
| Loan loss allowance to noncurrent loans | 3,557.6471% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,758 |
| Noncurrent loans to loans | 0.0869% | 3,747 |
| Net loans and leases to total assets | 76.1412% | 584 |
| Net loans and leases to deposits | 110.1911% | 112 |
| Net loans and leases to core deposits | 178.1659% | 45 |
| Total domestic deposits to total assets | 69.0993% | 4,776 |
| Equity capital to assets | 30.4955% | 62 |
| Core capital (leverage) ratio | 31.3518% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,423,667 | 2,814 |
| Average earning assets | $218,990,333 | 2,836 |
| Average equity | $75,544,000 | 1,279 |
| Average total loans | $182,572,333 | 2,422 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9762% | 112 |
| Cost of funding earning assets | 0.6750% | 601 |
| Net interest margin | 5.3011% | 134 |
| Noninterest income to average assets | 0.1671% | 4,364 |
| Noninterest expense to average assets | 1.6313% | 4,488 |
| Loan and lease loss provision to assets | 1.0739% | 37 |
| Net operating income to assets | 1.8611% | 704 |
| Return on assets (ROA) | 1.8666% | 751 |
| Pretax return on assets | 2.3013% | 587 |
| Return on Equity (ROE) | 5.8125% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.8125% | 2,957 |
| Net charge-offs to loans | 0.4862% | 171 |
| Credit loss provision to net charge-offs | 294.3925% | 768 |
| Earnings coverage of net charge-offs (x) | 9.2336% | 1,547 |
| Efficiency ratio | 32.6287% | 4,890 |
| Assets per employee ($millions) | 5.3995% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1656% | 130 |
| Loan loss allowance to noncurrent loans | 3,292.4419% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,854 |
| Noncurrent loans to loans | 0.0961% | 3,823 |
| Net loans and leases to total assets | 72.9150% | 905 |
| Net loans and leases to deposits | 107.6324% | 154 |
| Net loans and leases to core deposits | 179.3605% | 51 |
| Total domestic deposits to total assets | 67.7445% | 4,809 |
| Equity capital to assets | 31.6439% | 57 |
| Core capital (leverage) ratio | 32.3581% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,653,000 | 2,827 |
| Average earning assets | $213,916,500 | 2,864 |
| Average equity | $75,354,500 | 1,269 |
| Average total loans | $176,052,000 | 2,466 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1448% | 77 |
| Cost of funding earning assets | 1.0732% | 450 |
| Net interest margin | 5.0717% | 109 |
| Noninterest income to average assets | 0.1871% | 4,355 |
| Noninterest expense to average assets | 1.8521% | 4,388 |
| Loan and lease loss provision to assets | 1.0918% | 78 |
| Net operating income to assets | 1.4087% | 1,001 |
| Return on assets (ROA) | 1.4182% | 1,064 |
| Pretax return on assets | 1.8912% | 564 |
| Return on Equity (ROE) | 4.1731% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.1731% | 2,730 |
| Net charge-offs to loans | 0.4911% | 326 |
| Credit loss provision to net charge-offs | 307.6425% | 1,708 |
| Earnings coverage of net charge-offs (x) | 8.3718% | 2,609 |
| Efficiency ratio | 38.4007% | 4,899 |
| Assets per employee ($millions) | 5.0376% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0293% | 142 |
| Loan loss allowance to noncurrent loans | 2,098.8000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,759 |
| Noncurrent loans to loans | 0.1443% | 3,709 |
| Net loans and leases to total assets | 72.4833% | 1,229 |
| Net loans and leases to deposits | 108.4892% | 182 |
| Net loans and leases to core deposits | 183.0311% | 51 |
| Total domestic deposits to total assets | 66.8115% | 4,835 |
| Equity capital to assets | 32.5942% | 54 |
| Core capital (leverage) ratio | 32.7615% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,532,400 | 2,814 |
| Average earning assets | $198,849,600 | 2,837 |
| Average equity | $73,925,200 | 1,237 |
| Average total loans | $157,189,600 | 2,593 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1161% | 93 |
| Cost of funding earning assets | 1.1501% | 438 |
| Net interest margin | 4.9661% | 148 |
| Noninterest income to average assets | 0.1801% | 4,390 |
| Noninterest expense to average assets | 1.8624% | 4,394 |
| Loan and lease loss provision to assets | 1.2618% | 82 |
| Net operating income to assets | 1.3245% | 1,298 |
| Return on assets (ROA) | 1.3297% | 1,372 |
| Pretax return on assets | 1.6038% | 1,174 |
| Return on Equity (ROE) | 3.8698% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.8698% | 3,109 |
| Net charge-offs to loans | 0.5518% | 272 |
| Credit loss provision to net charge-offs | 319.4006% | 1,700 |
| Earnings coverage of net charge-offs (x) | 7.2382% | 2,593 |
| Efficiency ratio | 39.4431% | 4,903 |
| Assets per employee ($millions) | 5.0267% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9824% | 140 |
| Loan loss allowance to noncurrent loans | 1,811.1511% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,812 |
| Noncurrent loans to loans | 0.1647% | 3,724 |
| Net loans and leases to total assets | 72.4092% | 1,606 |
| Net loans and leases to deposits | 108.9615% | 249 |
| Net loans and leases to core deposits | 185.4854% | 48 |
| Total domestic deposits to total assets | 66.4539% | 4,838 |
| Equity capital to assets | 32.9993% | 54 |
| Core capital (leverage) ratio | 33.6564% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,983,500 | 2,820 |
| Average earning assets | $195,696,500 | 2,846 |
| Average equity | $73,524,000 | 1,226 |
| Average total loans | $153,184,250 | 2,640 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 121 |
| Cost of funding earning assets | 1.2287% | 464 |
| Net interest margin | 4.9355% | 227 |
| Noninterest income to average assets | 0.1829% | 4,366 |
| Noninterest expense to average assets | 1.8332% | 4,511 |
| Loan and lease loss provision to assets | 1.2863% | 120 |
| Net operating income to assets | 1.3049% | 1,346 |
| Return on assets (ROA) | 1.3168% | 1,419 |
| Pretax return on assets | 1.5826% | 1,267 |
| Return on Equity (ROE) | 3.7785% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,024 |
| Net charge-offs to loans | 0.6366% | 251 |
| Credit loss provision to net charge-offs | 286.6242% | 1,655 |
| Earnings coverage of net charge-offs (x) | 6.3609% | 2,448 |
| Efficiency ratio | 39.1057% | 4,937 |
| Assets per employee ($millions) | 4.8821% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8920% | 150 |
| Loan loss allowance to noncurrent loans | 1,342.1365% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 3,736 |
| Noncurrent loans to loans | 0.2155% | 3,605 |
| Net loans and leases to total assets | 70.6996% | 1,924 |
| Net loans and leases to deposits | 109.0893% | 250 |
| Net loans and leases to core deposits | 186.2752% | 49 |
| Total domestic deposits to total assets | 64.8089% | 4,906 |
| Equity capital to assets | 34.4118% | 48 |
| Core capital (leverage) ratio | 34.7252% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,910,667 | 2,825 |
| Average earning assets | $191,592,333 | 2,863 |
| Average equity | $73,150,333 | 1,223 |
| Average total loans | $147,970,333 | 2,672 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2834% | 109 |
| Cost of funding earning assets | 1.2893% | 583 |
| Net interest margin | 4.9941% | 196 |
| Noninterest income to average assets | 0.1870% | 4,430 |
| Noninterest expense to average assets | 1.8799% | 4,566 |
| Loan and lease loss provision to assets | 1.1087% | 183 |
| Net operating income to assets | 1.3940% | 1,001 |
| Return on assets (ROA) | 1.3940% | 1,080 |
| Pretax return on assets | 1.7391% | 794 |
| Return on Equity (ROE) | 3.9744% | 3,958 |
| Retained earnings to average equity (ytd only) | 3.9744% | 2,690 |
| Net charge-offs to loans | 0.8236% | 179 |
| Credit loss provision to net charge-offs | 194.2568% | 1,432 |
| Earnings coverage of net charge-offs (x) | 4.9899% | 2,093 |
| Efficiency ratio | 39.7635% | 4,981 |
| Assets per employee ($millions) | 4.8777% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6743% | 199 |
| Loan loss allowance to noncurrent loans | 1,124.0688% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 3,832 |
| Noncurrent loans to loans | 0.2379% | 3,631 |
| Net loans and leases to total assets | 68.0706% | 2,528 |
| Net loans and leases to deposits | 105.6991% | 302 |
| Net loans and leases to core deposits | 180.2791% | 50 |
| Total domestic deposits to total assets | 64.4004% | 4,988 |
| Equity capital to assets | 34.8578% | 55 |
| Core capital (leverage) ratio | 35.2282% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,459,500 | 2,814 |
| Average earning assets | $188,622,500 | 2,842 |
| Average equity | $72,765,000 | 1,228 |
| Average total loans | $143,758,000 | 2,696 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2106% | 166 |
| Cost of funding earning assets | 1.3103% | 750 |
| Net interest margin | 4.9003% | 331 |
| Noninterest income to average assets | 0.4309% | 3,102 |
| Noninterest expense to average assets | 2.1073% | 4,351 |
| Loan and lease loss provision to assets | 0.7723% | 134 |
| Net operating income to assets | 1.6302% | 778 |
| Return on assets (ROA) | 1.6310% | 827 |
| Pretax return on assets | 2.0079% | 588 |
| Return on Equity (ROE) | 4.4864% | 4,349 |
| Retained earnings to average equity (ytd only) | 4.4864% | 2,714 |
| Net charge-offs to loans | 0.6402% | 277 |
| Credit loss provision to net charge-offs | 184.0491% | 1,433 |
| Earnings coverage of net charge-offs (x) | 6.6233% | 2,960 |
| Efficiency ratio | 43.1251% | 5,009 |
| Assets per employee ($millions) | 4.6631% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5877% | 194 |
| Loan loss allowance to noncurrent loans | 1,417.8988% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,019 |
| Noncurrent loans to loans | 0.1825% | 3,802 |
| Net loans and leases to total assets | 66.8576% | 2,854 |
| Net loans and leases to deposits | 104.3878% | 362 |
| Net loans and leases to core deposits | 177.8102% | 59 |
| Total domestic deposits to total assets | 64.0473% | 5,049 |
| Equity capital to assets | 35.2957% | 57 |
| Core capital (leverage) ratio | 35.2274% | 58 |
| Tier 1 risk-based capital ratio | 44.2574% | 185 |
| Total risk-based capital ratio | 45.5340% | 184 |
| Memoranda: | ||
| Average total assets | $194,230,800 | 2,884 |
| Average earning assets | $176,600,600 | 2,922 |
| Average equity | $70,613,400 | 1,215 |
| Average total loans | $127,294,400 | 2,851 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0820% | 210 |
| Cost of funding earning assets | 1.2893% | 813 |
| Net interest margin | 4.7927% | 421 |
| Noninterest income to average assets | 0.4999% | 2,731 |
| Noninterest expense to average assets | 2.1243% | 4,319 |
| Loan and lease loss provision to assets | 0.7833% | 134 |
| Net operating income to assets | 1.6163% | 893 |
| Return on assets (ROA) | 1.6174% | 931 |
| Pretax return on assets | 1.9523% | 762 |
| Return on Equity (ROE) | 4.4144% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.4144% | 3,187 |
| Net charge-offs to loans | 0.7080% | 222 |
| Credit loss provision to net charge-offs | 170.9726% | 1,486 |
| Earnings coverage of net charge-offs (x) | 5.9681% | 2,872 |
| Efficiency ratio | 43.7231% | 5,026 |
| Assets per employee ($millions) | 4.4604% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4662% | 230 |
| Loan loss allowance to noncurrent loans | 1,404.0984% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,126 |
| Noncurrent loans to loans | 0.1756% | 3,907 |
| Net loans and leases to total assets | 66.0357% | 3,045 |
| Net loans and leases to deposits | 102.3795% | 488 |
| Net loans and leases to core deposits | 178.7161% | 60 |
| Total domestic deposits to total assets | 64.5009% | 5,117 |
| Equity capital to assets | 34.9011% | 57 |
| Core capital (leverage) ratio | 35.4791% | 58 |
| Tier 1 risk-based capital ratio | 44.2615% | 183 |
| Total risk-based capital ratio | 45.5384% | 182 |
| Memoranda: | ||
| Average total assets | $191,494,000 | 2,934 |
| Average earning assets | $174,150,000 | 2,968 |
| Average equity | $70,162,000 | 1,216 |
| Average total loans | $123,912,750 | 2,925 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 275 |
| Cost of funding earning assets | 1.2400% | 895 |
| Net interest margin | 4.6758% | 518 |
| Noninterest income to average assets | 0.1958% | 4,583 |
| Noninterest expense to average assets | 2.1184% | 4,381 |
| Loan and lease loss provision to assets | 0.8024% | 126 |
| Net operating income to assets | 1.2682% | 1,883 |
| Return on assets (ROA) | 1.2700% | 1,945 |
| Pretax return on assets | 1.5214% | 1,792 |
| Return on Equity (ROE) | 3.4070% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.4070% | 3,539 |
| Net charge-offs to loans | 0.6778% | 225 |
| Credit loss provision to net charge-offs | 186.1042% | 1,285 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 2,661 |
| Efficiency ratio | 47.7108% | 4,913 |
| Assets per employee ($millions) | 4.2429% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5394% | 212 |
| Loan loss allowance to noncurrent loans | 1,164.0845% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,034 |
| Noncurrent loans to loans | 0.2181% | 3,758 |
| Net loans and leases to total assets | 65.0103% | 3,238 |
| Net loans and leases to deposits | 102.7177% | 492 |
| Net loans and leases to core deposits | 191.7805% | 48 |
| Total domestic deposits to total assets | 63.2903% | 5,176 |
| Equity capital to assets | 36.1010% | 57 |
| Core capital (leverage) ratio | 37.1727% | 53 |
| Tier 1 risk-based capital ratio | 46.3640% | 164 |
| Total risk-based capital ratio | 47.6389% | 160 |
| Memoranda: | ||
| Average total assets | $186,933,000 | 2,978 |
| Average earning assets | $169,681,330 | 3,021 |
| Average equity | $69,679,670 | 1,215 |
| Average total loans | $118,911,670 | 2,998 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7576% | 335 |
| Cost of funding earning assets | 1.1936% | 920 |
| Net interest margin | 4.5641% | 656 |
| Noninterest income to average assets | 0.1947% | 4,592 |
| Noninterest expense to average assets | 2.1311% | 4,417 |
| Loan and lease loss provision to assets | 0.8205% | 115 |
| Net operating income to assets | 1.1793% | 2,129 |
| Return on assets (ROA) | 1.1793% | 2,181 |
| Pretax return on assets | 1.3763% | 2,167 |
| Return on Equity (ROE) | 3.1116% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.1116% | 3,693 |
| Net charge-offs to loans | 0.7416% | 200 |
| Credit loss provision to net charge-offs | 178.5714% | 1,122 |
| Earnings coverage of net charge-offs (x) | 4.7810% | 2,303 |
| Efficiency ratio | 49.2417% | 4,877 |
| Assets per employee ($millions) | 4.0223% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6592% | 204 |
| Loan loss allowance to noncurrent loans | 1,157.0370% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,072 |
| Noncurrent loans to loans | 0.2298% | 3,754 |
| Net loans and leases to total assets | 61.8036% | 3,523 |
| Net loans and leases to deposits | 100.1068% | 628 |
| Net loans and leases to core deposits | 184.4122% | 49 |
| Total domestic deposits to total assets | 61.7377% | 5,265 |
| Equity capital to assets | 37.6451% | 52 |
| Core capital (leverage) ratio | 38.0937% | 48 |
| Tier 1 risk-based capital ratio | 50.0456% | 131 |
| Total risk-based capital ratio | 51.3210% | 128 |
| Memoranda: | ||
| Average total assets | $182,813,500 | 3,059 |
| Average earning assets | $165,554,500 | 3,110 |
| Average equity | $69,290,000 | 1,217 |
| Average total loans | $113,273,500 | 3,112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 638 |
| Cost of funding earning assets | 0.7496% | 1,792 |
| Net interest margin | 4.4985% | 765 |
| Noninterest income to average assets | 0.2251% | 4,573 |
| Noninterest expense to average assets | 2.1705% | 4,406 |
| Loan and lease loss provision to assets | 0.8483% | 114 |
| Net operating income to assets | 1.0588% | 2,763 |
| Return on assets (ROA) | 1.0592% | 2,749 |
| Pretax return on assets | 1.2589% | 2,659 |
| Return on Equity (ROE) | 2.7563% | 4,946 |
| Retained earnings to average equity (ytd only) | 2.7563% | 4,020 |
| Net charge-offs to loans | 0.9389% | 162 |
| Credit loss provision to net charge-offs | 163.5769% | 1,699 |
| Earnings coverage of net charge-offs (x) | 4.0622% | 3,340 |
| Efficiency ratio | 50.7471% | 4,891 |
| Assets per employee ($millions) | 4.0133% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7130% | 181 |
| Loan loss allowance to noncurrent loans | 1,045.5830% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 4,040 |
| Noncurrent loans to loans | 0.2595% | 3,650 |
| Net loans and leases to total assets | 58.7545% | 3,899 |
| Net loans and leases to deposits | 95.7309% | 1,097 |
| Net loans and leases to core deposits | 170.0535% | 68 |
| Total domestic deposits to total assets | 61.3746% | 5,307 |
| Equity capital to assets | 38.1652% | 52 |
| Core capital (leverage) ratio | 38.3889% | 52 |
| Tier 1 risk-based capital ratio | 52.6746% | 121 |
| Total risk-based capital ratio | 53.9397% | 121 |
| Memoranda: | ||
| Average total assets | $176,825,200 | 3,089 |
| Average earning assets | $159,276,200 | 3,148 |
| Average equity | $67,954,000 | 1,191 |
| Average total loans | $97,666,800 | 3,346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 802 |
| Cost of funding earning assets | 0.6551% | 2,123 |
| Net interest margin | 4.4192% | 866 |
| Noninterest income to average assets | 0.2107% | 4,703 |
| Noninterest expense to average assets | 2.1468% | 4,440 |
| Loan and lease loss provision to assets | 0.8528% | 104 |
| Net operating income to assets | 1.0417% | 2,907 |
| Return on assets (ROA) | 1.0423% | 2,916 |
| Pretax return on assets | 1.1902% | 3,027 |
| Return on Equity (ROE) | 2.7075% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.7075% | 4,338 |
| Net charge-offs to loans | 0.8873% | 161 |
| Credit loss provision to net charge-offs | 178.2884% | 1,510 |
| Earnings coverage of net charge-offs (x) | 4.2694% | 3,081 |
| Efficiency ratio | 51.2486% | 4,869 |
| Assets per employee ($millions) | 4.0021% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7583% | 178 |
| Loan loss allowance to noncurrent loans | 728.4264% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,747 |
| Noncurrent loans to loans | 0.3787% | 3,293 |
| Net loans and leases to total assets | 56.1800% | 4,204 |
| Net loans and leases to deposits | 91.0972% | 1,742 |
| Net loans and leases to core deposits | 157.7702% | 98 |
| Total domestic deposits to total assets | 61.6704% | 5,375 |
| Equity capital to assets | 37.9081% | 48 |
| Core capital (leverage) ratio | 38.2723% | 50 |
| Tier 1 risk-based capital ratio | 54.0041% | 111 |
| Total risk-based capital ratio | 55.2782% | 111 |
| Memoranda: | ||
| Average total assets | $175,881,750 | 3,118 |
| Average earning assets | $158,335,000 | 3,183 |
| Average equity | $67,711,000 | 1,192 |
| Average total loans | $94,816,250 | 3,420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 913 |
| Cost of funding earning assets | 0.5823% | 2,350 |
| Net interest margin | 4.3700% | 908 |
| Noninterest income to average assets | 0.2109% | 4,751 |
| Noninterest expense to average assets | 2.0977% | 4,612 |
| Loan and lease loss provision to assets | 0.8597% | 99 |
| Net operating income to assets | 1.0276% | 2,904 |
| Return on assets (ROA) | 1.0305% | 2,892 |
| Pretax return on assets | 1.1967% | 2,955 |
| Return on Equity (ROE) | 2.6627% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.6627% | 4,188 |
| Net charge-offs to loans | 1.0203% | 128 |
| Credit loss provision to net charge-offs | 160.2564% | 1,509 |
| Earnings coverage of net charge-offs (x) | 3.8269% | 2,848 |
| Efficiency ratio | 50.5385% | 4,995 |
| Assets per employee ($millions) | 3.9011% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7276% | 196 |
| Loan loss allowance to noncurrent loans | 661.1940% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 3,753 |
| Noncurrent loans to loans | 0.4125% | 3,218 |
| Net loans and leases to total assets | 53.9972% | 4,338 |
| Net loans and leases to deposits | 88.6172% | 2,030 |
| Net loans and leases to core deposits | 147.1423% | 140 |
| Total domestic deposits to total assets | 60.9331% | 5,446 |
| Equity capital to assets | 38.6596% | 51 |
| Core capital (leverage) ratio | 39.1270% | 50 |
| Tier 1 risk-based capital ratio | 55.6094% | 103 |
| Total risk-based capital ratio | 56.8828% | 102 |
| Memoranda: | ||
| Average total assets | $174,477,000 | 3,163 |
| Average earning assets | $157,300,670 | 3,205 |
| Average equity | $67,524,330 | 1,193 |
| Average total loans | $91,739,000 | 3,484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 603 |
| Cost of funding earning assets | 0.5663% | 2,274 |
| Net interest margin | 4.5179% | 593 |
| Noninterest income to average assets | 0.2116% | 4,744 |
| Noninterest expense to average assets | 2.0076% | 4,832 |
| Loan and lease loss provision to assets | 0.8624% | 105 |
| Net operating income to assets | 1.2004% | 2,001 |
| Return on assets (ROA) | 1.2004% | 2,014 |
| Pretax return on assets | 1.3959% | 2,020 |
| Return on Equity (ROE) | 3.1001% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.1001% | 3,964 |
| Net charge-offs to loans | 1.2511% | 115 |
| Credit loss provision to net charge-offs | 134.8921% | 1,301 |
| Earnings coverage of net charge-offs (x) | 3.5324% | 2,377 |
| Efficiency ratio | 47.0620% | 5,231 |
| Assets per employee ($millions) | 3.9398% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7701% | 196 |
| Loan loss allowance to noncurrent loans | 624.4949% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 3,861 |
| Noncurrent loans to loans | 0.4436% | 3,200 |
| Net loans and leases to total assets | 50.0733% | 4,550 |
| Net loans and leases to deposits | 82.5445% | 2,543 |
| Net loans and leases to core deposits | 127.2174% | 394 |
| Total domestic deposits to total assets | 60.6621% | 5,515 |
| Equity capital to assets | 38.9520% | 48 |
| Core capital (leverage) ratio | 39.1305% | 48 |
| Tier 1 risk-based capital ratio | 58.3007% | 92 |
| Total risk-based capital ratio | 59.5716% | 91 |
| Memoranda: | ||
| Average total assets | $173,940,500 | 3,203 |
| Average earning assets | $156,091,500 | 3,253 |
| Average equity | $67,353,000 | 1,208 |
| Average total loans | $88,883,500 | 3,571 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 363 |
| Cost of funding earning assets | 0.5405% | 2,026 |
| Net interest margin | 4.7666% | 375 |
| Noninterest income to average assets | 0.2309% | 4,750 |
| Noninterest expense to average assets | 2.0726% | 4,829 |
| Loan and lease loss provision to assets | 0.8773% | 123 |
| Net operating income to assets | 1.2547% | 1,348 |
| Return on assets (ROA) | 1.2790% | 1,300 |
| Pretax return on assets | 1.5970% | 1,296 |
| Return on Equity (ROE) | 3.3716% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,269 |
| Net charge-offs to loans | 1.6862% | 91 |
| Credit loss provision to net charge-offs | 99.6745% | 2,610 |
| Earnings coverage of net charge-offs (x) | 2.7767% | 3,703 |
| Efficiency ratio | 45.8894% | 5,397 |
| Assets per employee ($millions) | 3.9666% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6850% | 200 |
| Loan loss allowance to noncurrent loans | 524.5033% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,753 |
| Noncurrent loans to loans | 0.5119% | 2,982 |
| Net loans and leases to total assets | 49.3414% | 4,681 |
| Net loans and leases to deposits | 80.6940% | 2,845 |
| Net loans and leases to core deposits | 125.4151% | 453 |
| Total domestic deposits to total assets | 61.1463% | 5,579 |
| Equity capital to assets | 38.4933% | 48 |
| Core capital (leverage) ratio | 38.4089% | 45 |
| Tier 1 risk-based capital ratio | 57.8911% | 89 |
| Total risk-based capital ratio | 59.1689% | 89 |
| Memoranda: | ||
| Average total assets | $174,517,000 | 3,186 |
| Average earning assets | $156,904,600 | 3,234 |
| Average equity | $66,200,200 | 1,207 |
| Average total loans | $91,093,600 | 3,505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 337 |
| Cost of funding earning assets | 0.5276% | 2,053 |
| Net interest margin | 4.7793% | 355 |
| Noninterest income to average assets | 0.2246% | 4,868 |
| Noninterest expense to average assets | 2.0651% | 4,812 |
| Loan and lease loss provision to assets | 0.8595% | 124 |
| Net operating income to assets | 1.2464% | 1,522 |
| Return on assets (ROA) | 1.2744% | 1,447 |
| Pretax return on assets | 1.6334% | 1,303 |
| Return on Equity (ROE) | 3.3719% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.3719% | 3,922 |
| Net charge-offs to loans | 1.8791% | 79 |
| Credit loss provision to net charge-offs | 87.0070% | 2,498 |
| Earnings coverage of net charge-offs (x) | 2.4872% | 3,460 |
| Efficiency ratio | 45.6665% | 5,431 |
| Assets per employee ($millions) | 4.0300% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4287% | 292 |
| Loan loss allowance to noncurrent loans | 496.1883% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,942 |
| Noncurrent loans to loans | 0.4895% | 3,223 |
| Net loans and leases to total assets | 51.3053% | 4,627 |
| Net loans and leases to deposits | 84.1761% | 2,542 |
| Net loans and leases to core deposits | 132.2711% | 306 |
| Total domestic deposits to total assets | 60.9500% | 5,649 |
| Equity capital to assets | 38.5393% | 46 |
| Core capital (leverage) ratio | 38.4619% | 46 |
| Tier 1 risk-based capital ratio | 56.5216% | 94 |
| Total risk-based capital ratio | 57.7958% | 93 |
| Memoranda: | ||
| Average total assets | $174,514,000 | 3,211 |
| Average earning assets | $156,924,250 | 3,268 |
| Average equity | $65,954,750 | 1,214 |
| Average total loans | $91,744,250 | 3,528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 348 |
| Cost of funding earning assets | 0.5097% | 2,095 |
| Net interest margin | 4.7669% | 349 |
| Noninterest income to average assets | 0.2264% | 4,893 |
| Noninterest expense to average assets | 2.0523% | 4,873 |
| Loan and lease loss provision to assets | 0.8575% | 116 |
| Net operating income to assets | 1.2226% | 1,527 |
| Return on assets (ROA) | 1.2634% | 1,422 |
| Pretax return on assets | 1.6579% | 1,168 |
| Return on Equity (ROE) | 3.3649% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.3649% | 3,714 |
| Net charge-offs to loans | 2.0206% | 78 |
| Credit loss provision to net charge-offs | 80.7320% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.3175% | 3,175 |
| Efficiency ratio | 45.4661% | 5,479 |
| Assets per employee ($millions) | 4.0411% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3865% | 327 |
| Loan loss allowance to noncurrent loans | 480.7860% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,983 |
| Noncurrent loans to loans | 0.4964% | 3,265 |
| Net loans and leases to total assets | 51.8309% | 4,587 |
| Net loans and leases to deposits | 84.4802% | 2,409 |
| Net loans and leases to core deposits | 131.9378% | 277 |
| Total domestic deposits to total assets | 61.3527% | 5,690 |
| Equity capital to assets | 38.1265% | 43 |
| Core capital (leverage) ratio | 37.9627% | 44 |
| Tier 1 risk-based capital ratio | 55.5266% | 95 |
| Total risk-based capital ratio | 56.8000% | 95 |
| Memoranda: | ||
| Average total assets | $174,922,670 | 3,226 |
| Average earning assets | $157,333,330 | 3,278 |
| Average equity | $65,678,330 | 1,220 |
| Average total loans | $91,952,670 | 3,539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 276 |
| Cost of funding earning assets | 0.5090% | 2,014 |
| Net interest margin | 4.8799% | 270 |
| Noninterest income to average assets | 0.2325% | 4,880 |
| Noninterest expense to average assets | 2.0467% | 4,943 |
| Loan and lease loss provision to assets | 0.8547% | 111 |
| Net operating income to assets | 1.3584% | 1,093 |
| Return on assets (ROA) | 1.3584% | 1,130 |
| Pretax return on assets | 1.7231% | 957 |
| Return on Equity (ROE) | 3.6457% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.6457% | 3,616 |
| Net charge-offs to loans | 2.2616% | 74 |
| Credit loss provision to net charge-offs | 72.2543% | 1,817 |
| Earnings coverage of net charge-offs (x) | 2.1792% | 2,629 |
| Efficiency ratio | 44.2583% | 5,587 |
| Assets per employee ($millions) | 4.0889% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4601% | 326 |
| Loan loss allowance to noncurrent loans | 452.8340% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,974 |
| Noncurrent loans to loans | 0.5433% | 3,189 |
| Net loans and leases to total assets | 50.4445% | 4,639 |
| Net loans and leases to deposits | 81.3011% | 2,589 |
| Net loans and leases to core deposits | 123.4041% | 377 |
| Total domestic deposits to total assets | 62.0465% | 5,758 |
| Equity capital to assets | 37.3830% | 47 |
| Core capital (leverage) ratio | 37.5748% | 48 |
| Tier 1 risk-based capital ratio | 55.2263% | 101 |
| Total risk-based capital ratio | 56.4967% | 99 |
| Memoranda: | ||
| Average total assets | $175,499,500 | 3,242 |
| Average earning assets | $157,954,000 | 3,298 |
| Average equity | $65,391,500 | 1,219 |
| Average total loans | $91,795,000 | 3,561 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 328 |
| Cost of funding earning assets | 0.4855% | 2,201 |
| Net interest margin | 4.8610% | 309 |
| Noninterest income to average assets | 0.2699% | 4,798 |
| Noninterest expense to average assets | 2.1648% | 4,852 |
| Loan and lease loss provision to assets | 0.7733% | 148 |
| Net operating income to assets | 1.2793% | 1,269 |
| Return on assets (ROA) | 1.2872% | 1,315 |
| Pretax return on assets | 1.7274% | 935 |
| Return on Equity (ROE) | 3.4635% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.4635% | 3,463 |
| Net charge-offs to loans | 1.4121% | 106 |
| Credit loss provision to net charge-offs | 108.1848% | 2,422 |
| Earnings coverage of net charge-offs (x) | 3.4838% | 3,657 |
| Efficiency ratio | 46.5032% | 5,625 |
| Assets per employee ($millions) | 3.9813% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 285 |
| Loan loss allowance to noncurrent loans | 424.4207% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,904 |
| Noncurrent loans to loans | 0.6054% | 3,035 |
| Net loans and leases to total assets | 51.5362% | 4,649 |
| Net loans and leases to deposits | 82.6398% | 2,595 |
| Net loans and leases to core deposits | 127.9573% | 309 |
| Total domestic deposits to total assets | 62.3624% | 5,802 |
| Equity capital to assets | 37.1369% | 51 |
| Core capital (leverage) ratio | 37.0590% | 49 |
| Tier 1 risk-based capital ratio | 51.0705% | 128 |
| Total risk-based capital ratio | 52.3378% | 128 |
| Memoranda: | ||
| Average total assets | $172,628,800 | 3,253 |
| Average earning assets | $155,730,200 | 3,301 |
| Average equity | $64,154,800 | 1,224 |
| Average total loans | $87,384,800 | 3,631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 325 |
| Cost of funding earning assets | 0.4770% | 2,301 |
| Net interest margin | 4.8844% | 315 |
| Noninterest income to average assets | 0.2488% | 4,979 |
| Noninterest expense to average assets | 2.1535% | 4,888 |
| Loan and lease loss provision to assets | 0.7442% | 148 |
| Net operating income to assets | 1.3182% | 1,239 |
| Return on assets (ROA) | 1.3287% | 1,300 |
| Pretax return on assets | 1.7706% | 951 |
| Return on Equity (ROE) | 3.5747% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.5747% | 3,749 |
| Net charge-offs to loans | 1.4128% | 99 |
| Credit loss provision to net charge-offs | 105.2632% | 2,280 |
| Earnings coverage of net charge-offs (x) | 3.5373% | 3,403 |
| Efficiency ratio | 46.2692% | 5,658 |
| Assets per employee ($millions) | 3.9841% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 303 |
| Loan loss allowance to noncurrent loans | 495.3191% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 4,144 |
| Noncurrent loans to loans | 0.5208% | 3,436 |
| Net loans and leases to total assets | 50.1537% | 4,810 |
| Net loans and leases to deposits | 80.3326% | 2,920 |
| Net loans and leases to core deposits | 123.8449% | 419 |
| Total domestic deposits to total assets | 62.4326% | 5,866 |
| Equity capital to assets | 36.9867% | 51 |
| Core capital (leverage) ratio | 37.1778% | 49 |
| Tier 1 risk-based capital ratio | 54.5352% | 108 |
| Total risk-based capital ratio | 55.8104% | 109 |
| Memoranda: | ||
| Average total assets | $171,992,000 | 3,268 |
| Average earning assets | $155,130,250 | 3,322 |
| Average equity | $63,929,750 | 1,237 |
| Average total loans | $86,066,000 | 3,679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 301 |
| Cost of funding earning assets | 0.4670% | 2,408 |
| Net interest margin | 4.9253% | 301 |
| Noninterest income to average assets | 0.2540% | 4,951 |
| Noninterest expense to average assets | 2.1183% | 5,020 |
| Loan and lease loss provision to assets | 0.7373% | 147 |
| Net operating income to assets | 1.3793% | 1,096 |
| Return on assets (ROA) | 1.3951% | 1,128 |
| Pretax return on assets | 1.8632% | 757 |
| Return on Equity (ROE) | 3.7468% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.7468% | 3,509 |
| Net charge-offs to loans | 1.4527% | 101 |
| Credit loss provision to net charge-offs | 102.4390% | 2,060 |
| Earnings coverage of net charge-offs (x) | 3.5837% | 3,087 |
| Efficiency ratio | 45.0922% | 5,788 |
| Assets per employee ($millions) | 4.0728% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6490% | 296 |
| Loan loss allowance to noncurrent loans | 600.7853% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 4,405 |
| Noncurrent loans to loans | 0.4409% | 3,788 |
| Net loans and leases to total assets | 49.3055% | 4,890 |
| Net loans and leases to deposits | 79.7091% | 2,967 |
| Net loans and leases to core deposits | 124.4298% | 402 |
| Total domestic deposits to total assets | 61.8568% | 5,957 |
| Equity capital to assets | 37.5843% | 49 |
| Core capital (leverage) ratio | 37.2071% | 51 |
| Tier 1 risk-based capital ratio | 55.9233% | 107 |
| Total risk-based capital ratio | 57.1996% | 107 |
| Memoranda: | ||
| Average total assets | $170,889,000 | 3,299 |
| Average earning assets | $154,183,000 | 3,345 |
| Average equity | $63,627,000 | 1,241 |
| Average total loans | $84,672,000 | 3,728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 266 |
| Cost of funding earning assets | 0.4577% | 2,497 |
| Net interest margin | 5.0166% | 243 |
| Noninterest income to average assets | 0.2553% | 4,912 |
| Noninterest expense to average assets | 2.1334% | 5,044 |
| Loan and lease loss provision to assets | 0.7026% | 152 |
| Net operating income to assets | 1.4785% | 892 |
| Return on assets (ROA) | 1.5105% | 878 |
| Pretax return on assets | 1.9789% | 598 |
| Return on Equity (ROE) | 4.0762% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,450 |
| Net charge-offs to loans | 1.5390% | 117 |
| Credit loss provision to net charge-offs | 93.1677% | 1,738 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,534 |
| Efficiency ratio | 44.7007% | 5,849 |
| Assets per employee ($millions) | 3.9762% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7143% | 307 |
| Loan loss allowance to noncurrent loans | 519.0805% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 4,356 |
| Noncurrent loans to loans | 0.5229% | 3,615 |
| Net loans and leases to total assets | 47.3342% | 5,020 |
| Net loans and leases to deposits | 76.0422% | 3,218 |
| Net loans and leases to core deposits | 118.1336% | 521 |
| Total domestic deposits to total assets | 62.2472% | 6,019 |
| Equity capital to assets | 37.2405% | 49 |
| Core capital (leverage) ratio | 37.2468% | 49 |
| Tier 1 risk-based capital ratio | 56.7179% | 101 |
| Total risk-based capital ratio | 57.9877% | 99 |
| Memoranda: | ||
| Average total assets | $170,804,500 | 3,315 |
| Average earning assets | $153,810,500 | 3,370 |
| Average equity | $63,295,000 | 1,238 |
| Average total loans | $83,690,000 | 3,767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 381 |
| Cost of funding earning assets | 0.4597% | 2,537 |
| Net interest margin | 4.8153% | 360 |
| Noninterest income to average assets | 0.4480% | 3,687 |
| Noninterest expense to average assets | 2.0765% | 5,297 |
| Loan and lease loss provision to assets | 1.1205% | 72 |
| Net operating income to assets | 1.1650% | 1,687 |
| Return on assets (ROA) | 1.1977% | 1,630 |
| Pretax return on assets | 1.6233% | 1,183 |
| Return on Equity (ROE) | 3.2687% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.2687% | 3,726 |
| Net charge-offs to loans | 1.6714% | 88 |
| Credit loss provision to net charge-offs | 140.9192% | 1,867 |
| Earnings coverage of net charge-offs (x) | 3.3951% | 3,736 |
| Efficiency ratio | 43.4777% | 5,992 |
| Assets per employee ($millions) | 4.0626% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7081% | 313 |
| Loan loss allowance to noncurrent loans | 409.3357% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 4,089 |
| Noncurrent loans to loans | 0.6616% | 3,205 |
| Net loans and leases to total assets | 48.0048% | 5,013 |
| Net loans and leases to deposits | 76.6225% | 3,188 |
| Net loans and leases to core deposits | 118.1312% | 539 |
| Total domestic deposits to total assets | 62.6510% | 6,066 |
| Equity capital to assets | 36.8731% | 49 |
| Core capital (leverage) ratio | 36.6340% | 50 |
| Tier 1 risk-based capital ratio | 56.2460% | 97 |
| Total risk-based capital ratio | 57.5111% | 98 |
| Memoranda: | ||
| Average total assets | $169,657,600 | 3,310 |
| Average earning assets | $152,494,600 | 3,365 |
| Average equity | $62,166,200 | 1,210 |
| Average total loans | $80,710,000 | 3,803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 417 |
| Cost of funding earning assets | 0.4592% | 2,597 |
| Net interest margin | 4.7776% | 396 |
| Noninterest income to average assets | 0.5005% | 3,358 |
| Noninterest expense to average assets | 2.0486% | 5,382 |
| Loan and lease loss provision to assets | 0.9074% | 74 |
| Net operating income to assets | 1.3124% | 1,301 |
| Return on assets (ROA) | 1.3560% | 1,260 |
| Pretax return on assets | 1.8967% | 733 |
| Return on Equity (ROE) | 3.7066% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.7066% | 3,830 |
| Net charge-offs to loans | 1.2324% | 132 |
| Credit loss provision to net charge-offs | 156.2331% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.7222% | 3,306 |
| Efficiency ratio | 42.7562% | 6,067 |
| Assets per employee ($millions) | 4.1765% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5494% | 407 |
| Loan loss allowance to noncurrent loans | 215.8107% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 3,376 |
| Noncurrent loans to loans | 1.1813% | 2,165 |
| Net loans and leases to total assets | 47.8372% | 5,092 |
| Net loans and leases to deposits | 76.1391% | 3,286 |
| Net loans and leases to core deposits | 120.2810% | 460 |
| Total domestic deposits to total assets | 62.8287% | 6,149 |
| Equity capital to assets | 36.6375% | 51 |
| Core capital (leverage) ratio | 36.6502% | 50 |
| Tier 1 risk-based capital ratio | 56.0627% | 108 |
| Total risk-based capital ratio | 57.3227% | 107 |
| Memoranda: | ||
| Average total assets | $169,414,250 | 3,341 |
| Average earning assets | $152,150,250 | 3,394 |
| Average equity | $61,978,500 | 1,225 |
| Average total loans | $79,839,750 | 3,862 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 412 |
| Cost of funding earning assets | 0.4570% | 2,640 |
| Net interest margin | 4.7703% | 383 |
| Noninterest income to average assets | 0.4656% | 3,591 |
| Noninterest expense to average assets | 2.0272% | 5,478 |
| Loan and lease loss provision to assets | 0.6315% | 138 |
| Net operating income to assets | 1.5713% | 794 |
| Return on assets (ROA) | 1.6255% | 746 |
| Pretax return on assets | 2.1587% | 447 |
| Return on Equity (ROE) | 4.4455% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.4455% | 3,180 |
| Net charge-offs to loans | 1.0378% | 198 |
| Credit loss provision to net charge-offs | 130.9582% | 1,687 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,903 |
| Efficiency ratio | 42.7216% | 6,155 |
| Assets per employee ($millions) | 4.1264% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 659 |
| Loan loss allowance to noncurrent loans | 280.4841% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 3,946 |
| Noncurrent loans to loans | 0.8102% | 3,094 |
| Net loans and leases to total assets | 47.1256% | 5,173 |
| Net loans and leases to deposits | 75.2430% | 3,354 |
| Net loans and leases to core deposits | 117.1417% | 554 |
| Total domestic deposits to total assets | 62.6312% | 6,218 |
| Equity capital to assets | 36.8350% | 52 |
| Core capital (leverage) ratio | 36.3462% | 51 |
| Tier 1 risk-based capital ratio | 56.6637% | 110 |
| Total risk-based capital ratio | 57.9206% | 108 |
| Memoranda: | ||
| Average total assets | $168,806,670 | 3,373 |
| Average earning assets | $151,436,000 | 3,428 |
| Average equity | $61,725,670 | 1,234 |
| Average total loans | $78,433,670 | 3,932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 381 |
| Cost of funding earning assets | 0.4532% | 2,739 |
| Net interest margin | 4.7946% | 356 |
| Noninterest income to average assets | 0.2823% | 4,921 |
| Noninterest expense to average assets | 2.0164% | 5,549 |
| Loan and lease loss provision to assets | 0.4863% | 218 |
| Net operating income to assets | 1.5803% | 732 |
| Return on assets (ROA) | 1.6416% | 694 |
| Pretax return on assets | 2.1516% | 427 |
| Return on Equity (ROE) | 4.5060% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.5060% | 3,322 |
| Net charge-offs to loans | 0.9524% | 250 |
| Credit loss provision to net charge-offs | 112.0219% | 1,496 |
| Earnings coverage of net charge-offs (x) | 5.8907% | 2,347 |
| Efficiency ratio | 44.0871% | 6,178 |
| Assets per employee ($millions) | 4.1302% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 754 |
| Loan loss allowance to noncurrent loans | 285.4812% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 4,138 |
| Noncurrent loans to loans | 0.7871% | 3,287 |
| Net loans and leases to total assets | 44.9574% | 5,272 |
| Net loans and leases to deposits | 71.5024% | 3,592 |
| Net loans and leases to core deposits | 112.6817% | 621 |
| Total domestic deposits to total assets | 62.8754% | 6,293 |
| Equity capital to assets | 36.5080% | 55 |
| Core capital (leverage) ratio | 36.4806% | 54 |
| Tier 1 risk-based capital ratio | 54.1180% | 129 |
| Total risk-based capital ratio | 55.3784% | 126 |
| Memoranda: | ||
| Average total assets | $168,618,000 | 3,390 |
| Average earning assets | $150,918,500 | 3,450 |
| Average equity | $61,429,000 | 1,241 |
| Average total loans | $76,859,000 | 3,993 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 690 |
| Cost of funding earning assets | 0.4620% | 3,052 |
| Net interest margin | 4.5989% | 618 |
| Noninterest income to average assets | 0.2722% | 5,173 |
| Noninterest expense to average assets | 1.9683% | 5,828 |
| Loan and lease loss provision to assets | 0.4064% | 434 |
| Net operating income to assets | 1.5031% | 872 |
| Return on assets (ROA) | 1.5089% | 899 |
| Pretax return on assets | 2.0291% | 486 |
| Return on Equity (ROE) | 4.1904% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.1904% | 3,212 |
| Net charge-offs to loans | 0.9664% | 324 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 5.9733% | 3,305 |
| Efficiency ratio | 44.7747% | 6,303 |
| Assets per employee ($millions) | 4.0951% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2785% | 741 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,592 |
| Noncurrent loans to loans | 0.5696% | 3,961 |
| Net loans and leases to total assets | 44.1399% | 5,453 |
| Net loans and leases to deposits | 69.9805% | 3,910 |
| Net loans and leases to core deposits | 110.8585% | 740 |
| Total domestic deposits to total assets | 63.0746% | 6,366 |
| Equity capital to assets | 36.3530% | 54 |
| Core capital (leverage) ratio | 36.1737% | 54 |
| Tier 1 risk-based capital ratio | 56.7492% | 104 |
| Total risk-based capital ratio | 58.0094% | 102 |
| Memoranda: | ||
| Average total assets | $166,081,200 | 3,392 |
| Average earning assets | $148,925,400 | 3,460 |
| Average equity | $59,802,800 | 1,225 |
| Average total loans | $69,845,200 | 4,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 686 |
| Cost of funding earning assets | 0.4607% | 3,146 |
| Net interest margin | 4.6082% | 608 |
| Noninterest income to average assets | 0.2608% | 5,346 |
| Noninterest expense to average assets | 1.9473% | 5,865 |
| Loan and lease loss provision to assets | 0.2874% | 698 |
| Net operating income to assets | 1.6381% | 688 |
| Return on assets (ROA) | 1.6277% | 732 |
| Pretax return on assets | 2.1429% | 413 |
| Return on Equity (ROE) | 4.5314% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.5314% | 3,421 |
| Net charge-offs to loans | 0.9969% | 305 |
| Credit loss provision to net charge-offs | 69.8630% | 2,769 |
| Earnings coverage of net charge-offs (x) | 5.9413% | 3,166 |
| Efficiency ratio | 44.3446% | 6,352 |
| Assets per employee ($millions) | 4.0616% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 995 |
| Loan loss allowance to noncurrent loans | 408.8312% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 4,897 |
| Noncurrent loans to loans | 0.5293% | 4,347 |
| Net loans and leases to total assets | 42.7323% | 5,618 |
| Net loans and leases to deposits | 67.7418% | 4,159 |
| Net loans and leases to core deposits | 105.5442% | 980 |
| Total domestic deposits to total assets | 63.0812% | 6,449 |
| Equity capital to assets | 36.3579% | 53 |
| Core capital (leverage) ratio | 36.2559% | 54 |
| Tier 1 risk-based capital ratio | 57.6079% | 99 |
| Total risk-based capital ratio | 58.8631% | 98 |
| Memoranda: | ||
| Average total assets | $165,627,000 | 3,426 |
| Average earning assets | $148,455,500 | 3,503 |
| Average equity | $59,494,500 | 1,242 |
| Average total loans | $68,347,000 | 4,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 627 |
| Cost of funding earning assets | 0.4611% | 3,199 |
| Net interest margin | 4.6280% | 556 |
| Noninterest income to average assets | 0.2565% | 5,361 |
| Noninterest expense to average assets | 1.9138% | 5,977 |
| Loan and lease loss provision to assets | 0.2758% | 744 |
| Net operating income to assets | 1.7266% | 550 |
| Return on assets (ROA) | 1.7021% | 603 |
| Pretax return on assets | 2.1884% | 376 |
| Return on Equity (ROE) | 4.7579% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.7579% | 3,112 |
| Net charge-offs to loans | 0.9718% | 364 |
| Credit loss provision to net charge-offs | 70.1538% | 2,474 |
| Earnings coverage of net charge-offs (x) | 6.3477% | 2,782 |
| Efficiency ratio | 43.4019% | 6,441 |
| Assets per employee ($millions) | 4.2190% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3415% | 861 |
| Loan loss allowance to noncurrent loans | 526.1290% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,157 |
| Noncurrent loans to loans | 0.4451% | 4,645 |
| Net loans and leases to total assets | 41.3419% | 5,721 |
| Net loans and leases to deposits | 65.6767% | 4,301 |
| Net loans and leases to core deposits | 104.1508% | 1,006 |
| Total domestic deposits to total assets | 62.9476% | 6,530 |
| Equity capital to assets | 36.4793% | 51 |
| Core capital (leverage) ratio | 35.7829% | 52 |
| Tier 1 risk-based capital ratio | 53.2645% | 115 |
| Total risk-based capital ratio | 54.5218% | 115 |
| Memoranda: | ||
| Average total assets | $165,327,670 | 3,453 |
| Average earning assets | $148,357,000 | 3,511 |
| Average equity | $59,144,330 | 1,236 |
| Average total loans | $66,884,670 | 4,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 745 |
| Cost of funding earning assets | 0.4605% | 3,307 |
| Net interest margin | 4.5214% | 626 |
| Noninterest income to average assets | 0.2534% | 5,340 |
| Noninterest expense to average assets | 1.9116% | 6,047 |
| Loan and lease loss provision to assets | 0.2752% | 750 |
| Net operating income to assets | 1.6365% | 633 |
| Return on assets (ROA) | 1.5882% | 709 |
| Pretax return on assets | 2.0565% | 467 |
| Return on Equity (ROE) | 4.4834% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.4834% | 3,428 |
| Net charge-offs to loans | 0.8428% | 410 |
| Credit loss provision to net charge-offs | 82.6087% | 1,877 |
| Earnings coverage of net charge-offs (x) | 7.1884% | 2,148 |
| Efficiency ratio | 44.3946% | 6,482 |
| Assets per employee ($millions) | 4.2519% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5740% | 742 |
| Loan loss allowance to noncurrent loans | 459.2992% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 5,141 |
| Noncurrent loans to loans | 0.5604% | 4,483 |
| Net loans and leases to total assets | 38.8951% | 5,880 |
| Net loans and leases to deposits | 60.8726% | 4,676 |
| Net loans and leases to core deposits | 95.3900% | 1,435 |
| Total domestic deposits to total assets | 63.8958% | 6,588 |
| Equity capital to assets | 35.6163% | 57 |
| Core capital (leverage) ratio | 35.6196% | 58 |
| Tier 1 risk-based capital ratio | 59.5484% | 91 |
| Total risk-based capital ratio | 60.8052% | 90 |
| Memoranda: | ||
| Average total assets | $165,721,500 | 3,470 |
| Average earning assets | $148,538,500 | 3,531 |
| Average equity | $58,705,000 | 1,244 |
| Average total loans | $65,499,500 | 4,410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,661 |
| Cost of funding earning assets | 0.5039% | 3,570 |
| Net interest margin | 4.1647% | 1,460 |
| Noninterest income to average assets | 0.4332% | 4,209 |
| Noninterest expense to average assets | 2.0589% | 5,911 |
| Loan and lease loss provision to assets | 0.2552% | 1,413 |
| Net operating income to assets | 1.4754% | 866 |
| Return on assets (ROA) | 1.5230% | 821 |
| Pretax return on assets | 1.9143% | 585 |
| Return on Equity (ROE) | 4.3639% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.3639% | 3,073 |
| Net charge-offs to loans | 0.5319% | 1,249 |
| Credit loss provision to net charge-offs | 132.4921% | 1,778 |
| Earnings coverage of net charge-offs (x) | 10.9558% | 2,294 |
| Efficiency ratio | 49.3879% | 6,424 |
| Assets per employee ($millions) | 4.1405% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6667% | 685 |
| Loan loss allowance to noncurrent loans | 538.3178% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 5,347 |
| Noncurrent loans to loans | 0.4954% | 4,758 |
| Net loans and leases to total assets | 38.0811% | 6,088 |
| Net loans and leases to deposits | 59.2162% | 5,014 |
| Net loans and leases to core deposits | 93.7704% | 1,617 |
| Total domestic deposits to total assets | 64.3087% | 6,661 |
| Equity capital to assets | 35.2313% | 57 |
| Core capital (leverage) ratio | 35.1939% | 55 |
| Tier 1 risk-based capital ratio | 61.8831% | 83 |
| Total risk-based capital ratio | 63.1403% | 82 |
| Memoranda: | ||
| Average total assets | $164,604,400 | 3,494 |
| Average earning assets | $147,646,800 | 3,546 |
| Average equity | $57,448,800 | 1,250 |
| Average total loans | $59,603,200 | 4,625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,956 |
| Cost of funding earning assets | 0.5115% | 3,657 |
| Net interest margin | 4.0718% | 1,719 |
| Noninterest income to average assets | 0.2564% | 5,605 |
| Noninterest expense to average assets | 2.0622% | 5,904 |
| Loan and lease loss provision to assets | 0.2555% | 1,394 |
| Net operating income to assets | 1.3115% | 1,320 |
| Return on assets (ROA) | 1.3775% | 1,199 |
| Pretax return on assets | 1.6671% | 1,168 |
| Return on Equity (ROE) | 3.9563% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.9563% | 3,877 |
| Net charge-offs to loans | 0.5328% | 1,201 |
| Credit loss provision to net charge-offs | 135.1931% | 1,744 |
| Earnings coverage of net charge-offs (x) | 9.7510% | 2,439 |
| Efficiency ratio | 52.8043% | 6,196 |
| Assets per employee ($millions) | 4.0915% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7543% | 702 |
| Loan loss allowance to noncurrent loans | 584.5890% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 5,553 |
| Noncurrent loans to loans | 0.4712% | 5,016 |
| Net loans and leases to total assets | 36.8254% | 6,235 |
| Net loans and leases to deposits | 57.2623% | 5,257 |
| Net loans and leases to core deposits | 93.7469% | 1,595 |
| Total domestic deposits to total assets | 64.3099% | 6,741 |
| Equity capital to assets | 35.2000% | 53 |
| Core capital (leverage) ratio | 35.0343% | 49 |
| Tier 1 risk-based capital ratio | 62.6125% | 83 |
| Total risk-based capital ratio | 63.8697% | 82 |
| Memoranda: | ||
| Average total assets | $164,350,500 | 3,528 |
| Average earning assets | $147,287,500 | 3,585 |
| Average equity | $57,223,500 | 1,264 |
| Average total loans | $58,304,500 | 4,714 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,334 |
| Cost of funding earning assets | 0.5210% | 3,696 |
| Net interest margin | 3.9430% | 2,068 |
| Noninterest income to average assets | 0.2491% | 5,667 |
| Noninterest expense to average assets | 2.0306% | 5,985 |
| Loan and lease loss provision to assets | 0.2552% | 1,451 |
| Net operating income to assets | 1.2549% | 1,444 |
| Return on assets (ROA) | 1.3550% | 1,265 |
| Pretax return on assets | 1.6138% | 1,327 |
| Return on Equity (ROE) | 3.9057% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,810 |
| Net charge-offs to loans | 0.4415% | 1,480 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 2,052 |
| Efficiency ratio | 53.7126% | 6,167 |
| Assets per employee ($millions) | 4.0932% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8730% | 656 |
| Loan loss allowance to noncurrent loans | 616.9675% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 5,631 |
| Noncurrent loans to loans | 0.4657% | 5,093 |
| Net loans and leases to total assets | 35.2876% | 6,347 |
| Net loans and leases to deposits | 54.7075% | 5,456 |
| Net loans and leases to core deposits | 87.7628% | 2,136 |
| Total domestic deposits to total assets | 64.5023% | 6,788 |
| Equity capital to assets | 34.9523% | 52 |
| Core capital (leverage) ratio | 34.6879% | 49 |
| Tier 1 risk-based capital ratio | 63.5751% | 80 |
| Total risk-based capital ratio | 64.8356% | 78 |
| Memoranda: | ||
| Average total assets | $164,581,000 | 3,548 |
| Average earning assets | $147,400,000 | 3,606 |
| Average equity | $57,095,330 | 1,264 |
| Average total loans | $57,081,000 | 4,781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 1,876 |
| Cost of funding earning assets | 0.5405% | 3,671 |
| Net interest margin | 4.0445% | 1,632 |
| Noninterest income to average assets | 0.2497% | 5,672 |
| Noninterest expense to average assets | 2.0096% | 6,087 |
| Loan and lease loss provision to assets | 0.2545% | 1,403 |
| Net operating income to assets | 1.3202% | 1,227 |
| Return on assets (ROA) | 1.5757% | 802 |
| Pretax return on assets | 1.9029% | 732 |
| Return on Equity (ROE) | 4.5590% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,496 |
| Net charge-offs to loans | 0.1575% | 2,460 |
| Credit loss provision to net charge-offs | 477.2727% | 550 |
| Earnings coverage of net charge-offs (x) | 34.6818% | 886 |
| Efficiency ratio | 52.0729% | 6,375 |
| Assets per employee ($millions) | 4.2336% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0422% | 630 |
| Loan loss allowance to noncurrent loans | 474.4444% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 5,491 |
| Noncurrent loans to loans | 0.6412% | 4,842 |
| Net loans and leases to total assets | 32.9697% | 6,468 |
| Net loans and leases to deposits | 50.9505% | 5,715 |
| Net loans and leases to core deposits | 81.1605% | 2,671 |
| Total domestic deposits to total assets | 64.7094% | 6,870 |
| Equity capital to assets | 34.6735% | 53 |
| Core capital (leverage) ratio | 34.4883% | 50 |
| Tier 1 risk-based capital ratio | 64.8564% | 81 |
| Total risk-based capital ratio | 66.1242% | 81 |
| Memoranda: | ||
| Average total assets | $165,007,000 | 3,580 |
| Average earning assets | $147,260,500 | 3,637 |
| Average equity | $57,029,500 | 1,282 |
| Average total loans | $55,879,000 | 4,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 3,189 |
| Cost of funding earning assets | 0.6607% | 3,830 |
| Net interest margin | 3.8947% | 2,854 |
| Noninterest income to average assets | 0.2908% | 5,391 |
| Noninterest expense to average assets | 2.0283% | 6,278 |
| Loan and lease loss provision to assets | 0.2680% | 2,501 |
| Net operating income to assets | 1.1480% | 1,778 |
| Return on assets (ROA) | 1.1503% | 1,934 |
| Pretax return on assets | 1.5280% | 1,603 |
| Return on Equity (ROE) | 3.3402% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.3402% | 3,872 |
| Net charge-offs to loans | 0.6852% | 1,724 |
| Credit loss provision to net charge-offs | 120.8333% | 2,371 |
| Earnings coverage of net charge-offs (x) | 8.0833% | 2,477 |
| Efficiency ratio | 53.0797% | 6,365 |
| Assets per employee ($millions) | 4.2283% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9219% | 717 |
| Loan loss allowance to noncurrent loans | 459.0395% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 5,421 |
| Noncurrent loans to loans | 0.6365% | 4,926 |
| Net loans and leases to total assets | 32.7395% | 6,600 |
| Net loans and leases to deposits | 50.4631% | 5,925 |
| Net loans and leases to core deposits | 83.2419% | 2,639 |
| Total domestic deposits to total assets | 64.8780% | 6,919 |
| Equity capital to assets | 34.4501% | 55 |
| Core capital (leverage) ratio | 34.3046% | 49 |
| Tier 1 risk-based capital ratio | 65.0461% | 85 |
| Total risk-based capital ratio | 66.3125% | 85 |
| Memoranda: | ||
| Average total assets | $162,307,400 | 3,576 |
| Average earning assets | $147,124,400 | 3,604 |
| Average equity | $55,894,400 | 1,275 |
| Average total loans | $52,542,400 | 4,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 3,387 |
| Cost of funding earning assets | 0.6800% | 3,936 |
| Net interest margin | 3.8800% | 2,982 |
| Noninterest income to average assets | 0.2821% | 5,522 |
| Noninterest expense to average assets | 2.0042% | 6,350 |
| Loan and lease loss provision to assets | 0.2722% | 2,397 |
| Net operating income to assets | 1.1771% | 1,809 |
| Return on assets (ROA) | 1.1802% | 1,991 |
| Pretax return on assets | 1.5440% | 1,741 |
| Return on Equity (ROE) | 3.4275% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.4275% | 4,453 |
| Net charge-offs to loans | 0.5588% | 1,935 |
| Credit loss provision to net charge-offs | 152.0737% | 1,851 |
| Earnings coverage of net charge-offs (x) | 10.1243% | 2,223 |
| Efficiency ratio | 52.5178% | 6,400 |
| Assets per employee ($millions) | 4.1926% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0357% | 689 |
| Loan loss allowance to noncurrent loans | 454.3716% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 5,598 |
| Noncurrent loans to loans | 0.6681% | 5,108 |
| Net loans and leases to total assets | 32.4867% | 6,723 |
| Net loans and leases to deposits | 50.2013% | 6,092 |
| Net loans and leases to core deposits | 89.8343% | 2,005 |
| Total domestic deposits to total assets | 64.7129% | 7,000 |
| Equity capital to assets | 34.5863% | 55 |
| Core capital (leverage) ratio | 34.0937% | 52 |
| Tier 1 risk-based capital ratio | 65.3285% | 84 |
| Total risk-based capital ratio | 66.5962% | 84 |
| Memoranda: | ||
| Average total assets | $161,658,000 | 3,622 |
| Average earning assets | $147,248,750 | 3,640 |
| Average equity | $55,665,500 | 1,288 |
| Average total loans | $51,774,500 | 5,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 3,402 |
| Cost of funding earning assets | 0.6982% | 4,024 |
| Net interest margin | 3.8931% | 2,939 |
| Noninterest income to average assets | 0.2856% | 5,530 |
| Noninterest expense to average assets | 1.9958% | 6,443 |
| Loan and lease loss provision to assets | 0.2794% | 2,350 |
| Net operating income to assets | 1.2036% | 1,701 |
| Return on assets (ROA) | 1.2084% | 1,878 |
| Pretax return on assets | 1.5623% | 1,663 |
| Return on Equity (ROE) | 3.5145% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.5145% | 4,254 |
| Net charge-offs to loans | 0.3900% | 2,460 |
| Credit loss provision to net charge-offs | 227.2727% | 1,252 |
| Earnings coverage of net charge-offs (x) | 14.9293% | 1,675 |
| Efficiency ratio | 52.0908% | 6,498 |
| Assets per employee ($millions) | 4.1658% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1920% | 644 |
| Loan loss allowance to noncurrent loans | 501.7964% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 5,801 |
| Noncurrent loans to loans | 0.6361% | 5,235 |
| Net loans and leases to total assets | 31.2868% | 6,839 |
| Net loans and leases to deposits | 48.1587% | 6,300 |
| Net loans and leases to core deposits | 85.3944% | 2,505 |
| Total domestic deposits to total assets | 64.9660% | 7,064 |
| Equity capital to assets | 34.4074% | 51 |
| Core capital (leverage) ratio | 34.2276% | 51 |
| Tier 1 risk-based capital ratio | 66.5628% | 82 |
| Total risk-based capital ratio | 67.8301% | 79 |
| Memoranda: | ||
| Average total assets | $161,040,670 | 3,641 |
| Average earning assets | $146,670,670 | 3,663 |
| Average equity | $55,370,000 | 1,286 |
| Average total loans | $50,772,000 | 5,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 2,951 |
| Cost of funding earning assets | 0.7177% | 4,126 |
| Net interest margin | 4.0078% | 2,471 |
| Noninterest income to average assets | 0.2694% | 5,722 |
| Noninterest expense to average assets | 1.9810% | 6,499 |
| Loan and lease loss provision to assets | 0.2819% | 2,214 |
| Net operating income to assets | 1.2716% | 1,532 |
| Return on assets (ROA) | 1.2774% | 1,685 |
| Pretax return on assets | 1.6641% | 1,390 |
| Return on Equity (ROE) | 3.7166% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.7166% | 4,358 |
| Net charge-offs to loans | 0.3607% | 2,221 |
| Credit loss provision to net charge-offs | 251.1111% | 1,135 |
| Earnings coverage of net charge-offs (x) | 17.2667% | 1,311 |
| Efficiency ratio | 50.5411% | 6,635 |
| Assets per employee ($millions) | 4.1226% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2304% | 663 |
| Loan loss allowance to noncurrent loans | 429.1777% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 5,777 |
| Noncurrent loans to loans | 0.7527% | 5,155 |
| Net loans and leases to total assets | 30.1460% | 6,905 |
| Net loans and leases to deposits | 46.4062% | 6,396 |
| Net loans and leases to core deposits | 78.7410% | 3,226 |
| Total domestic deposits to total assets | 64.9610% | 7,126 |
| Equity capital to assets | 34.4344% | 47 |
| Core capital (leverage) ratio | 33.9899% | 45 |
| Tier 1 risk-based capital ratio | 68.0981% | 72 |
| Total risk-based capital ratio | 69.3644% | 71 |
| Memoranda: | ||
| Average total assets | $160,327,000 | 3,681 |
| Average earning assets | $146,015,000 | 3,700 |
| Average equity | $55,104,500 | 1,287 |
| Average total loans | $49,904,500 | 5,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 1,997 |
| Cost of funding earning assets | 0.8616% | 4,380 |
| Net interest margin | 4.3559% | 1,526 |
| Noninterest income to average assets | 0.2395% | 5,824 |
| Noninterest expense to average assets | 1.9474% | 6,768 |
| Loan and lease loss provision to assets | 0.3489% | 2,906 |
| Net operating income to assets | 1.4372% | 950 |
| Return on assets (ROA) | 1.4501% | 1,008 |
| Pretax return on assets | 1.9166% | 642 |
| Return on Equity (ROE) | 4.3080% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.3080% | 3,116 |
| Net charge-offs to loans | 0.6869% | 2,437 |
| Credit loss provision to net charge-offs | 152.8926% | 1,840 |
| Earnings coverage of net charge-offs (x) | 9.8540% | 1,922 |
| Efficiency ratio | 46.4120% | 7,027 |
| Assets per employee ($millions) | 4.0993% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1173% | 736 |
| Loan loss allowance to noncurrent loans | 435.3933% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 5,942 |
| Noncurrent loans to loans | 0.7160% | 5,266 |
| Net loans and leases to total assets | 30.1314% | 7,004 |
| Net loans and leases to deposits | 46.2490% | 6,614 |
| Net loans and leases to core deposits | 75.6220% | 4,034 |
| Total domestic deposits to total assets | 65.1505% | 7,150 |
| Equity capital to assets | 34.3054% | 50 |
| Core capital (leverage) ratio | 33.7211% | 53 |
| Tier 1 risk-based capital ratio | 68.4293% | 74 |
| Total risk-based capital ratio | 69.6897% | 74 |
| Memoranda: | ||
| Average total assets | $159,087,600 | 3,644 |
| Average earning assets | $144,493,400 | 3,667 |
| Average equity | $53,551,200 | 1,266 |
| Average total loans | $52,845,600 | 5,162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 1,648 |
| Cost of funding earning assets | 0.8885% | 4,482 |
| Net interest margin | 4.4712% | 1,212 |
| Noninterest income to average assets | 0.2207% | 6,039 |
| Noninterest expense to average assets | 1.9392% | 6,809 |
| Loan and lease loss provision to assets | 0.3650% | 2,668 |
| Net operating income to assets | 1.4989% | 931 |
| Return on assets (ROA) | 1.5129% | 985 |
| Pretax return on assets | 1.9929% | 633 |
| Return on Equity (ROE) | 4.5163% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.5163% | 3,507 |
| Net charge-offs to loans | 0.5843% | 2,501 |
| Credit loss provision to net charge-offs | 185.1064% | 1,589 |
| Earnings coverage of net charge-offs (x) | 11.8637% | 1,771 |
| Efficiency ratio | 45.3226% | 7,088 |
| Assets per employee ($millions) | 4.2160% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0684% | 822 |
| Loan loss allowance to noncurrent loans | 358.1609% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 5,953 |
| Noncurrent loans to loans | 0.8567% | 5,151 |
| Net loans and leases to total assets | 30.7215% | 7,066 |
| Net loans and leases to deposits | 47.0585% | 6,684 |
| Net loans and leases to core deposits | 76.3804% | 4,152 |
| Total domestic deposits to total assets | 65.2837% | 7,220 |
| Equity capital to assets | 34.0940% | 63 |
| Core capital (leverage) ratio | 33.6031% | 62 |
| Tier 1 risk-based capital ratio | 65.9626% | 92 |
| Total risk-based capital ratio | 67.2213% | 90 |
| Memoranda: | ||
| Average total assets | $158,891,250 | 3,670 |
| Average earning assets | $144,207,000 | 3,693 |
| Average equity | $53,227,750 | 1,279 |
| Average total loans | $53,626,500 | 5,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 1,413 |
| Cost of funding earning assets | 0.9178% | 4,532 |
| Net interest margin | 4.5322% | 1,051 |
| Noninterest income to average assets | 0.2045% | 6,203 |
| Noninterest expense to average assets | 2.0309% | 6,726 |
| Loan and lease loss provision to assets | 0.3787% | 2,520 |
| Net operating income to assets | 1.4336% | 1,014 |
| Return on assets (ROA) | 1.4515% | 1,034 |
| Pretax return on assets | 1.9324% | 661 |
| Return on Equity (ROE) | 4.3591% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.3591% | 3,418 |
| Net charge-offs to loans | 0.6560% | 2,205 |
| Credit loss provision to net charge-offs | 167.5978% | 1,806 |
| Earnings coverage of net charge-offs (x) | 10.1229% | 1,850 |
| Efficiency ratio | 47.0330% | 7,108 |
| Assets per employee ($millions) | 4.2564% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8629% | 1,021 |
| Loan loss allowance to noncurrent loans | 477.0968% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 6,117 |
| Noncurrent loans to loans | 0.6001% | 5,716 |
| Net loans and leases to total assets | 31.8644% | 7,117 |
| Net loans and leases to deposits | 48.8133% | 6,678 |
| Net loans and leases to core deposits | 82.5919% | 3,413 |
| Total domestic deposits to total assets | 65.2782% | 7,278 |
| Equity capital to assets | 34.1434% | 63 |
| Core capital (leverage) ratio | 33.4428% | 64 |
| Tier 1 risk-based capital ratio | 64.9744% | 94 |
| Total risk-based capital ratio | 66.2319% | 94 |
| Memoranda: | ||
| Average total assets | $158,452,670 | 3,704 |
| Average earning assets | $143,814,670 | 3,724 |
| Average equity | $52,763,330 | 1,278 |
| Average total loans | $54,576,670 | 5,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 1,367 |
| Cost of funding earning assets | 0.9546% | 4,534 |
| Net interest margin | 4.5207% | 1,023 |
| Noninterest income to average assets | 0.2718% | 5,730 |
| Noninterest expense to average assets | 2.1241% | 6,583 |
| Loan and lease loss provision to assets | 0.3775% | 2,299 |
| Net operating income to assets | 1.3727% | 1,112 |
| Return on assets (ROA) | 1.3892% | 1,126 |
| Pretax return on assets | 1.8926% | 691 |
| Return on Equity (ROE) | 4.2251% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,630 |
| Net charge-offs to loans | 0.8780% | 1,506 |
| Credit loss provision to net charge-offs | 121.9512% | 2,244 |
| Earnings coverage of net charge-offs (x) | 7.2602% | 1,970 |
| Efficiency ratio | 48.5895% | 7,094 |
| Assets per employee ($millions) | 3.9557% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 1,390 |
| Loan loss allowance to noncurrent loans | 460.1329% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 6,129 |
| Noncurrent loans to loans | 0.5538% | 5,914 |
| Net loans and leases to total assets | 33.4730% | 7,112 |
| Net loans and leases to deposits | 50.4184% | 6,594 |
| Net loans and leases to core deposits | 85.4107% | 2,974 |
| Total domestic deposits to total assets | 66.3905% | 7,318 |
| Equity capital to assets | 33.2227% | 65 |
| Core capital (leverage) ratio | 32.9188% | 67 |
| Tier 1 risk-based capital ratio | 61.6214% | 98 |
| Total risk-based capital ratio | 62.8762% | 97 |
| Memoranda: | ||
| Average total assets | $158,936,000 | 3,725 |
| Average earning assets | $144,138,000 | 3,749 |
| Average equity | $52,259,500 | 1,278 |
| Average total loans | $56,034,500 | 5,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 985 |
| Cost of funding earning assets | 1.1825% | 4,661 |
| Net interest margin | 4.7448% | 742 |
| Noninterest income to average assets | 0.2857% | 5,740 |
| Noninterest expense to average assets | 2.1006% | 6,842 |
| Loan and lease loss provision to assets | 0.4264% | 3,558 |
| Net operating income to assets | 1.5511% | 687 |
| Return on assets (ROA) | 1.5616% | 732 |
| Pretax return on assets | 2.0700% | 415 |
| Return on Equity (ROE) | 4.8008% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.8008% | 2,546 |
| Net charge-offs to loans | 0.9175% | 2,344 |
| Credit loss provision to net charge-offs | 118.7943% | 3,575 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 2,241 |
| Efficiency ratio | 45.8345% | 7,358 |
| Assets per employee ($millions) | 3.9911% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3527% | 1,612 |
| Loan loss allowance to noncurrent loans | 361.1702% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 6,103 |
| Noncurrent loans to loans | 0.6514% | 5,756 |
| Net loans and leases to total assets | 35.3050% | 7,188 |
| Net loans and leases to deposits | 52.5824% | 6,708 |
| Net loans and leases to core deposits | 88.8584% | 2,924 |
| Total domestic deposits to total assets | 67.1423% | 7,357 |
| Equity capital to assets | 32.5420% | 70 |
| Core capital (leverage) ratio | 32.0691% | 76 |
| Tier 1 risk-based capital ratio | 59.2837% | 108 |
| Total risk-based capital ratio | 60.5373% | 106 |
| Memoranda: | ||
| Average total assets | $157,147,400 | 3,755 |
| Average earning assets | $142,324,600 | 3,775 |
| Average equity | $51,116,400 | 1,306 |
| Average total loans | $61,473,200 | 5,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9964% | 944 |
| Cost of funding earning assets | 1.2222% | 4,727 |
| Net interest margin | 4.7742% | 712 |
| Noninterest income to average assets | 0.2692% | 5,965 |
| Noninterest expense to average assets | 2.0520% | 6,953 |
| Loan and lease loss provision to assets | 0.4429% | 3,260 |
| Net operating income to assets | 1.5926% | 758 |
| Return on assets (ROA) | 1.5997% | 815 |
| Pretax return on assets | 2.1057% | 494 |
| Return on Equity (ROE) | 4.9186% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.9186% | 3,045 |
| Net charge-offs to loans | 0.9613% | 2,078 |
| Credit loss provision to net charge-offs | 115.5556% | 3,609 |
| Earnings coverage of net charge-offs (x) | 6.6244% | 2,488 |
| Efficiency ratio | 44.6939% | 7,441 |
| Assets per employee ($millions) | 4.0277% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,844 |
| Loan loss allowance to noncurrent loans | 315.5131% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 6,156 |
| Noncurrent loans to loans | 0.6901% | 5,826 |
| Net loans and leases to total assets | 36.8672% | 7,231 |
| Net loans and leases to deposits | 54.8667% | 6,700 |
| Net loans and leases to core deposits | 92.1826% | 2,775 |
| Total domestic deposits to total assets | 67.1941% | 7,418 |
| Equity capital to assets | 32.2653% | 75 |
| Core capital (leverage) ratio | 31.7926% | 75 |
| Tier 1 risk-based capital ratio | 53.7622% | 136 |
| Total risk-based capital ratio | 55.0140% | 136 |
| Memoranda: | ||
| Average total assets | $156,523,500 | 3,822 |
| Average earning assets | $141,703,750 | 3,838 |
| Average equity | $50,907,750 | 1,317 |
| Average total loans | $62,411,500 | 5,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0281% | 879 |
| Cost of funding earning assets | 1.2590% | 4,770 |
| Net interest margin | 4.7691% | 698 |
| Noninterest income to average assets | 0.2839% | 5,869 |
| Noninterest expense to average assets | 2.0620% | 6,993 |
| Loan and lease loss provision to assets | 0.4774% | 2,917 |
| Net operating income to assets | 1.5455% | 824 |
| Return on assets (ROA) | 1.5523% | 867 |
| Pretax return on assets | 2.0646% | 529 |
| Return on Equity (ROE) | 4.7597% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.7597% | 3,037 |
| Net charge-offs to loans | 1.0353% | 1,804 |
| Credit loss provision to net charge-offs | 113.4969% | 3,587 |
| Earnings coverage of net charge-offs (x) | 6.0215% | 2,547 |
| Efficiency ratio | 44.8750% | 7,489 |
| Assets per employee ($millions) | 3.9595% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 1,989 |
| Loan loss allowance to noncurrent loans | 263.4146% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 6,126 |
| Noncurrent loans to loans | 0.7924% | 5,692 |
| Net loans and leases to total assets | 38.3855% | 7,249 |
| Net loans and leases to deposits | 57.2485% | 6,638 |
| Net loans and leases to core deposits | 96.6365% | 2,373 |
| Total domestic deposits to total assets | 67.0508% | 7,479 |
| Equity capital to assets | 32.4542% | 70 |
| Core capital (leverage) ratio | 32.2130% | 69 |
| Tier 1 risk-based capital ratio | 55.7742% | 128 |
| Total risk-based capital ratio | 57.0262% | 128 |
| Memoranda: | ||
| Average total assets | $154,995,330 | 3,871 |
| Average earning assets | $140,110,000 | 3,902 |
| Average equity | $50,549,670 | 1,322 |
| Average total loans | $62,976,000 | 5,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 792 |
| Cost of funding earning assets | 1.3108% | 4,747 |
| Net interest margin | 4.7795% | 676 |
| Noninterest income to average assets | 0.3001% | 5,750 |
| Noninterest expense to average assets | 2.0639% | 7,027 |
| Loan and lease loss provision to assets | 0.3914% | 3,024 |
| Net operating income to assets | 1.6665% | 660 |
| Return on assets (ROA) | 1.6725% | 702 |
| Pretax return on assets | 2.1813% | 437 |
| Return on Equity (ROE) | 5.1153% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.1153% | 3,094 |
| Net charge-offs to loans | 1.1416% | 1,472 |
| Credit loss provision to net charge-offs | 82.8729% | 3,815 |
| Earnings coverage of net charge-offs (x) | 5.4309% | 2,401 |
| Efficiency ratio | 44.5885% | 7,602 |
| Assets per employee ($millions) | 3.9521% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 2,338 |
| Loan loss allowance to noncurrent loans | 180.0885% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 5,814 |
| Noncurrent loans to loans | 1.0767% | 5,195 |
| Net loans and leases to total assets | 40.0627% | 7,246 |
| Net loans and leases to deposits | 59.9907% | 6,472 |
| Net loans and leases to core deposits | 98.6028% | 2,280 |
| Total domestic deposits to total assets | 66.7815% | 7,583 |
| Equity capital to assets | 32.7728% | 72 |
| Core capital (leverage) ratio | 32.5333% | 72 |
| Tier 1 risk-based capital ratio | 55.1079% | 127 |
| Total risk-based capital ratio | 56.3590% | 127 |
| Memoranda: | ||
| Average total assets | $153,303,000 | 3,954 |
| Average earning assets | $138,842,500 | 3,988 |
| Average equity | $50,124,000 | 1,332 |
| Average total loans | $63,418,500 | 5,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2483% | 1,124 |
| Cost of funding earning assets | 1.5836% | 5,109 |
| Net interest margin | 4.6647% | 880 |
| Noninterest income to average assets | 0.2600% | 6,255 |
| Noninterest expense to average assets | 2.1177% | 7,148 |
| Loan and lease loss provision to assets | 0.5041% | 3,856 |
| Net operating income to assets | 1.4718% | 711 |
| Return on assets (ROA) | 1.4069% | 894 |
| Pretax return on assets | 1.7647% | 680 |
| Return on Equity (ROE) | 4.2011% | 4,002 |
| Retained earnings to average equity (ytd only) | 4.2011% | 2,277 |
| Net charge-offs to loans | 0.8659% | 2,667 |
| Credit loss provision to net charge-offs | 135.8879% | 3,638 |
| Earnings coverage of net charge-offs (x) | 6.3346% | 2,385 |
| Efficiency ratio | 47.4003% | 7,652 |
| Assets per employee ($millions) | 3.8119% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 2,110 |
| Loan loss allowance to noncurrent loans | 209.7152% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 6,075 |
| Noncurrent loans to loans | 0.9348% | 5,443 |
| Net loans and leases to total assets | 41.0657% | 7,300 |
| Net loans and leases to deposits | 61.3271% | 6,531 |
| Net loans and leases to core deposits | 105.6062% | 3,381 |
| Total domestic deposits to total assets | 66.9618% | 7,603 |
| Equity capital to assets | 32.6185% | 88 |
| Core capital (leverage) ratio | 32.5457% | 84 |
| Tier 1 risk-based capital ratio | 54.1627% | 136 |
| Total risk-based capital ratio | 55.4140% | 133 |
| Memoranda: | ||
| Average total assets | $144,214,400 | 4,042 |
| Average earning assets | $130,083,000 | 4,084 |
| Average equity | $48,297,200 | 1,392 |
| Average total loans | $61,782,400 | 5,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2078% | 1,358 |
| Cost of funding earning assets | 1.6267% | 5,277 |
| Net interest margin | 4.5812% | 1,018 |
| Noninterest income to average assets | 0.2439% | 6,490 |
| Noninterest expense to average assets | 2.1582% | 7,085 |
| Loan and lease loss provision to assets | 0.4990% | 3,403 |
| Net operating income to assets | 1.3131% | 1,188 |
| Return on assets (ROA) | 1.2250% | 1,467 |
| Pretax return on assets | 1.5983% | 1,182 |
| Return on Equity (ROE) | 3.6324% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.6324% | 3,255 |
| Net charge-offs to loans | 0.8880% | 2,187 |
| Credit loss provision to net charge-offs | 130.3922% | 3,841 |
| Earnings coverage of net charge-offs (x) | 5.7794% | 2,736 |
| Efficiency ratio | 49.3883% | 7,596 |
| Assets per employee ($millions) | 3.6041% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,194 |
| Loan loss allowance to noncurrent loans | 327.0718% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 6,365 |
| Noncurrent loans to loans | 0.5592% | 6,196 |
| Net loans and leases to total assets | 43.0063% | 7,311 |
| Net loans and leases to deposits | 64.6642% | 6,432 |
| Net loans and leases to core deposits | 105.0761% | 3,810 |
| Total domestic deposits to total assets | 66.5072% | 7,658 |
| Equity capital to assets | 33.1301% | 94 |
| Core capital (leverage) ratio | 33.0355% | 104 |
| Tier 1 risk-based capital ratio | 53.6356% | 147 |
| Total risk-based capital ratio | 54.8866% | 146 |
| Memoranda: | ||
| Average total assets | $142,149,250 | 4,092 |
| Average earning assets | $128,028,750 | 4,148 |
| Average equity | $47,937,750 | 1,425 |
| Average total loans | $61,261,250 | 5,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 1,636 |
| Cost of funding earning assets | 1.6573% | 5,482 |
| Net interest margin | 4.4881% | 1,191 |
| Noninterest income to average assets | 0.3208% | 5,943 |
| Noninterest expense to average assets | 2.1429% | 7,185 |
| Loan and lease loss provision to assets | 0.5689% | 2,741 |
| Net operating income to assets | 1.2742% | 1,294 |
| Return on assets (ROA) | 1.3131% | 1,276 |
| Pretax return on assets | 1.6938% | 1,029 |
| Return on Equity (ROE) | 3.8699% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.8699% | 3,130 |
| Net charge-offs to loans | 0.8752% | 1,943 |
| Credit loss provision to net charge-offs | 151.7110% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.9011% | 2,733 |
| Efficiency ratio | 49.1980% | 7,710 |
| Assets per employee ($millions) | 3.4946% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 1,839 |
| Loan loss allowance to noncurrent loans | 328.5714% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 5,265 |
| Noncurrent loans to loans | 0.5727% | 6,118 |
| Net loans and leases to total assets | 43.5253% | 7,357 |
| Net loans and leases to deposits | 65.8859% | 6,403 |
| Net loans and leases to core deposits | 90.2569% | 5,511 |
| Total domestic deposits to total assets | 66.0616% | 7,737 |
| Equity capital to assets | 33.5274% | 112 |
| Core capital (leverage) ratio | 33.5474% | 118 |
| Tier 1 risk-based capital ratio | 53.9325% | 154 |
| Total risk-based capital ratio | 55.1840% | 155 |
| Memoranda: | ||
| Average total assets | $140,276,000 | 4,168 |
| Average earning assets | $126,112,330 | 4,226 |
| Average equity | $47,598,330 | 1,447 |
| Average total loans | $60,103,670 | 5,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 2,505 |
| Cost of funding earning assets | 1.6916% | 5,630 |
| Net interest margin | 4.2723% | 1,671 |
| Noninterest income to average assets | 0.3488% | 5,654 |
| Noninterest expense to average assets | 2.1272% | 7,057 |
| Loan and lease loss provision to assets | 0.3027% | 3,526 |
| Net operating income to assets | 1.3922% | 1,156 |
| Return on assets (ROA) | 1.3922% | 1,245 |
| Pretax return on assets | 1.7554% | 1,065 |
| Return on Equity (ROE) | 4.0778% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,629 |
| Net charge-offs to loans | 1.0278% | 1,309 |
| Credit loss provision to net charge-offs | 70.0000% | 4,352 |
| Earnings coverage of net charge-offs (x) | 4.7600% | 2,817 |
| Efficiency ratio | 50.8264% | 7,525 |
| Assets per employee ($millions) | 3.4376% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 2,182 |
| Loan loss allowance to noncurrent loans | 275.0678% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 5,912 |
| Noncurrent loans to loans | 0.6134% | 5,866 |
| Net loans and leases to total assets | 41.9601% | 7,467 |
| Net loans and leases to deposits | 63.8602% | 6,575 |
| Net loans and leases to core deposits | 83.5190% | 6,095 |
| Total domestic deposits to total assets | 65.7062% | 7,753 |
| Equity capital to assets | 33.8688% | 115 |
| Core capital (leverage) ratio | 34.5862% | 120 |
| Tier 1 risk-based capital ratio | 55.7889% | 157 |
| Total risk-based capital ratio | 56.9792% | 156 |
| Memoranda: | ||
| Average total assets | $138,774,000 | 4,213 |
| Average earning assets | $124,618,000 | 4,274 |
| Average equity | $47,378,500 | 1,455 |
| Average total loans | $58,376,000 | 5,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 4,596 |
| Cost of funding earning assets | 1.9615% | 6,530 |
| Net interest margin | 4.2216% | 2,222 |
| Noninterest income to average assets | 0.3700% | 5,740 |
| Noninterest expense to average assets | 2.3805% | 6,463 |
| Loan and lease loss provision to assets | 0.4163% | 3,202 |
| Net operating income to assets | 1.0746% | 2,237 |
| Return on assets (ROA) | 1.1030% | 2,049 |
| Pretax return on assets | 1.3857% | 2,013 |
| Return on Equity (ROE) | 3.0941% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.0941% | 3,233 |
| Net charge-offs to loans | 0.8263% | 1,513 |
| Credit loss provision to net charge-offs | 137.1501% | 3,885 |
| Earnings coverage of net charge-offs (x) | 5.8193% | 3,522 |
| Efficiency ratio | 57.4036% | 6,799 |
| Assets per employee ($millions) | 3.3319% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 1,477 |
| Loan loss allowance to noncurrent loans | 219.9170% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 5,341 |
| Noncurrent loans to loans | 0.8516% | 4,921 |
| Net loans and leases to total assets | 40.6553% | 7,643 |
| Net loans and leases to deposits | 62.5689% | 6,906 |
| Net loans and leases to core deposits | 81.5081% | 6,494 |
| Total domestic deposits to total assets | 64.9769% | 7,726 |
| Equity capital to assets | 34.4214% | 129 |
| Core capital (leverage) ratio | 34.8625% | 138 |
| Tier 1 risk-based capital ratio | 53.5933% | 185 |
| Total risk-based capital ratio | 54.7999% | 184 |
| Memoranda: | ||
| Average total assets | $129,466,000 | 4,296 |
| Average earning assets | $115,832,600 | 4,368 |
| Average equity | $46,152,200 | 1,478 |
| Average total loans | $47,560,600 | 5,802 |