Home > First Bank & Trust Co. > Performance and Condition Ratios
First Bank & Trust Co., 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 | 5.1609% | 1,740 |
| Cost of funding earning assets | 1.3370% | 2,399 |
| Net interest margin | 3.8238% | 1,528 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.8131% | 1,465 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.6071% | 856 |
| Return on assets (ROA) | 1.5496% | 907 |
| Pretax return on assets | 1.6243% | 1,188 |
| Return on Equity (ROE) | 11.8300% | 1,999 |
| Retained earnings to average equity (ytd only) | 5.9503% | 2,264 |
| Net charge-offs to loans | 0.0282% | 1,743 |
| Credit loss provision to net charge-offs | 632.4873% | 567 |
| Earnings coverage of net charge-offs (x) | 77.9340% | 1,038 |
| Efficiency ratio | 59.9147% | 3,090 |
| Assets per employee ($millions) | 4.5786% | 3,902 |
| Cash dividends to net income (ytd only)* | 49.7033% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,543 |
| Loan loss allowance to noncurrent loans | 57.3696% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 133 |
| Noncurrent loans to loans | 2.3723% | 214 |
| Net loans and leases to total assets | 83.8200% | 284 |
| Net loans and leases to deposits | 100.2152% | 526 |
| Net loans and leases to core deposits | 111.1082% | 916 |
| Total domestic deposits to total assets | 83.6400% | 2,723 |
| Equity capital to assets | 13.4374% | 780 |
| Core capital (leverage) ratio | 13.8080% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6884% | 969 |
| Memoranda: | ||
| Average total assets | $837,308,400 | 1,146 |
| Average earning assets | $803,118,200 | 1,104 |
| Average equity | $109,675,800 | 890 |
| Average total loans | $699,383,600 | 961 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 1,715 |
| Cost of funding earning assets | 1.1890% | 2,464 |
| Net interest margin | 3.8691% | 1,461 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 2.9418% | 1,155 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.4980% | 1,129 |
| Return on assets (ROA) | 1.4209% | 1,255 |
| Pretax return on assets | 1.5002% | 1,550 |
| Return on Equity (ROE) | 10.9200% | 2,395 |
| Retained earnings to average equity (ytd only) | 4.9673% | 2,944 |
| Net charge-offs to loans | 0.0065% | 2,202 |
| Credit loss provision to net charge-offs | 2,750.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 317.9412% | 433 |
| Efficiency ratio | 62.3132% | 2,682 |
| Assets per employee ($millions) | 4.4987% | 3,942 |
| Cash dividends to net income (ytd only)* | 54.5137% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,528 |
| Loan loss allowance to noncurrent loans | 56.7382% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.0658% | 130 |
| Noncurrent loans to loans | 2.4329% | 204 |
| Net loans and leases to total assets | 83.7400% | 297 |
| Net loans and leases to deposits | 100.1659% | 506 |
| Net loans and leases to core deposits | 109.4138% | 892 |
| Total domestic deposits to total assets | 83.6000% | 2,877 |
| Equity capital to assets | 13.3365% | 756 |
| Core capital (leverage) ratio | 13.7595% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5785% | 1,005 |
| Memoranda: | ||
| Average total assets | $832,586,250 | 1,152 |
| Average earning assets | $798,207,750 | 1,107 |
| Average equity | $108,332,000 | 891 |
| Average total loans | $692,339,500 | 969 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,747 |
| Cost of funding earning assets | 0.9949% | 2,621 |
| Net interest margin | 3.9128% | 1,401 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.9905% | 1,058 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.4751% | 1,155 |
| Return on assets (ROA) | 1.3606% | 1,401 |
| Pretax return on assets | 1.4399% | 1,722 |
| Return on Equity (ROE) | 10.5400% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.5419% | 3,070 |
| Net charge-offs to loans | 0.0256% | 1,373 |
| Credit loss provision to net charge-offs | 707.9545% | 517 |
| Earnings coverage of net charge-offs (x) | 80.9659% | 1,045 |
| Efficiency ratio | 62.9342% | 2,604 |
| Assets per employee ($millions) | 4.3716% | 4,021 |
| Cash dividends to net income (ytd only)* | 56.9285% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,805 |
| Loan loss allowance to noncurrent loans | 55.9202% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.0289% | 134 |
| Noncurrent loans to loans | 2.3760% | 202 |
| Net loans and leases to total assets | 83.5100% | 306 |
| Net loans and leases to deposits | 99.4289% | 546 |
| Net loans and leases to core deposits | 107.3659% | 932 |
| Total domestic deposits to total assets | 83.9900% | 2,816 |
| Equity capital to assets | 13.0533% | 795 |
| Core capital (leverage) ratio | 13.6821% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2725% | 1,070 |
| Memoranda: | ||
| Average total assets | $832,695,000 | 1,146 |
| Average earning assets | $798,293,000 | 1,103 |
| Average equity | $107,444,667 | 890 |
| Average total loans | $687,561,000 | 959 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,819 |
| Cost of funding earning assets | 0.8070% | 2,705 |
| Net interest margin | 3.9036% | 1,476 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.9184% | 1,202 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5165% | 1,154 |
| Return on assets (ROA) | 1.2872% | 1,683 |
| Pretax return on assets | 1.3666% | 1,970 |
| Return on Equity (ROE) | 10.0300% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.9899% | 3,272 |
| Net charge-offs to loans | 0.0118% | 1,506 |
| Credit loss provision to net charge-offs | 1,560.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 531 |
| Efficiency ratio | 61.6634% | 2,738 |
| Assets per employee ($millions) | 4.3239% | 4,115 |
| Cash dividends to net income (ytd only)* | 60.2392% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 1,920 |
| Loan loss allowance to noncurrent loans | 52.9282% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 2.0618% | 116 |
| Noncurrent loans to loans | 2.5034% | 196 |
| Net loans and leases to total assets | 81.2000% | 439 |
| Net loans and leases to deposits | 93.7013% | 807 |
| Net loans and leases to core deposits | 99.4080% | 1,118 |
| Total domestic deposits to total assets | 86.6600% | 2,386 |
| Equity capital to assets | 12.8776% | 788 |
| Core capital (leverage) ratio | 13.5014% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $831,551,000 | 1,161 |
| Average earning assets | $796,487,500 | 1,119 |
| Average equity | $106,670,500 | 907 |
| Average total loans | $678,017,500 | 984 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 1,200 |
| Cost of funding earning assets | 0.2364% | 3,445 |
| Net interest margin | 3.9879% | 804 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.8204% | 1,276 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.7625% | 476 |
| Return on assets (ROA) | 1.5978% | 660 |
| Pretax return on assets | 1.6868% | 952 |
| Return on Equity (ROE) | 12.4200% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.6768% | 2,377 |
| Net charge-offs to loans | 0.0010% | 2,541 |
| Credit loss provision to net charge-offs | 20,816.6667% | 33 |
| Earnings coverage of net charge-offs (x) | 2,688.0000% | 55 |
| Efficiency ratio | 57.7507% | 3,375 |
| Assets per employee ($millions) | 4.3382% | 4,120 |
| Cash dividends to net income (ytd only)* | 46.2598% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,275 |
| Loan loss allowance to noncurrent loans | 56.0372% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 111 |
| Noncurrent loans to loans | 2.6335% | 173 |
| Net loans and leases to total assets | 79.5800% | 644 |
| Net loans and leases to deposits | 91.6500% | 934 |
| Net loans and leases to core deposits | 97.6421% | 1,119 |
| Total domestic deposits to total assets | 86.8300% | 2,450 |
| Equity capital to assets | 12.7773% | 746 |
| Core capital (leverage) ratio | 13.4606% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9184% | 989 |
| Memoranda: | ||
| Average total assets | $799,855,800 | 1,184 |
| Average earning assets | $764,658,800 | 1,154 |
| Average equity | $102,864,200 | 925 |
| Average total loans | $593,946,000 | 1,041 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 1,050 |
| Cost of funding earning assets | 0.1607% | 3,726 |
| Net interest margin | 3.9489% | 707 |
| Noninterest income to average assets | 1.0400% | 625 |
| Noninterest expense to average assets | 2.8868% | 1,080 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.6648% | 577 |
| Return on assets (ROA) | 1.5234% | 776 |
| Pretax return on assets | 1.6157% | 1,082 |
| Return on Equity (ROE) | 11.8300% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.0438% | 2,737 |
| Net charge-offs to loans | -0.0028% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4874% | 3,185 |
| Assets per employee ($millions) | 4.3296% | 4,164 |
| Cash dividends to net income (ytd only)* | 48.8918% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,321 |
| Loan loss allowance to noncurrent loans | 50.3035% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.3302% | 101 |
| Noncurrent loans to loans | 2.9602% | 160 |
| Net loans and leases to total assets | 77.4500% | 754 |
| Net loans and leases to deposits | 89.0559% | 961 |
| Net loans and leases to core deposits | 94.7625% | 1,053 |
| Total domestic deposits to total assets | 86.9700% | 2,775 |
| Equity capital to assets | 12.5638% | 757 |
| Core capital (leverage) ratio | 13.3294% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9599% | 995 |
| Memoranda: | ||
| Average total assets | $793,753,750 | 1,200 |
| Average earning assets | $758,402,750 | 1,167 |
| Average equity | $102,250,500 | 947 |
| Average total loans | $575,991,750 | 1,064 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 1,165 |
| Cost of funding earning assets | 0.1152% | 4,017 |
| Net interest margin | 3.7580% | 823 |
| Noninterest income to average assets | 1.0434% | 608 |
| Noninterest expense to average assets | 2.9562% | 899 |
| Loan and lease loss provision to assets | 0.1581% | 592 |
| Net operating income to assets | 1.4198% | 861 |
| Return on assets (ROA) | 1.4198% | 842 |
| Pretax return on assets | 1.5181% | 1,128 |
| Return on Equity (ROE) | 10.9285% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.1464% | 2,653 |
| Net charge-offs to loans | 0.0014% | 2,082 |
| Credit loss provision to net charge-offs | 15,550.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,649.0000% | 70 |
| Efficiency ratio | 63.3716% | 2,854 |
| Assets per employee ($millions) | 4.1873% | 4,274 |
| Cash dividends to net income (ytd only)* | 52.9085% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,127 |
| Loan loss allowance to noncurrent loans | 45.8807% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.5387% | 83 |
| Noncurrent loans to loans | 3.5092% | 122 |
| Net loans and leases to total assets | 70.2950% | 1,275 |
| Net loans and leases to deposits | 80.7810% | 1,330 |
| Net loans and leases to core deposits | 86.0885% | 1,334 |
| Total domestic deposits to total assets | 87.0192% | 2,932 |
| Equity capital to assets | 12.5581% | 750 |
| Core capital (leverage) ratio | 13.2696% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7055% | 753 |
| Memoranda: | ||
| Average total assets | $787,019,000 | 1,203 |
| Average earning assets | $751,615,333 | 1,186 |
| Average equity | $102,246,000 | 956 |
| Average total loans | $554,662,333 | 1,083 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 1,133 |
| Cost of funding earning assets | 0.1077% | 4,045 |
| Net interest margin | 3.6688% | 793 |
| Noninterest income to average assets | 0.9812% | 702 |
| Noninterest expense to average assets | 2.8653% | 1,030 |
| Loan and lease loss provision to assets | 0.1594% | 485 |
| Net operating income to assets | 1.3512% | 899 |
| Return on assets (ROA) | 1.3512% | 886 |
| Pretax return on assets | 1.4665% | 1,085 |
| Return on Equity (ROE) | 10.2258% | 1,878 |
| Retained earnings to average equity (ytd only) | 4.4944% | 2,785 |
| Net charge-offs to loans | 0.0015% | 1,784 |
| Credit loss provision to net charge-offs | 15,550.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,586.5000% | 43 |
| Efficiency ratio | 63.6623% | 3,073 |
| Assets per employee ($millions) | 4.1871% | 4,312 |
| Cash dividends to net income (ytd only)* | 56.0485% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 1,177 |
| Loan loss allowance to noncurrent loans | 69.9858% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 207 |
| Noncurrent loans to loans | 2.3426% | 273 |
| Net loans and leases to total assets | 67.4053% | 1,270 |
| Net loans and leases to deposits | 77.8121% | 1,300 |
| Net loans and leases to core deposits | 83.0362% | 1,296 |
| Total domestic deposits to total assets | 86.6258% | 3,062 |
| Equity capital to assets | 12.8434% | 724 |
| Core capital (leverage) ratio | 13.2152% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1263% | 740 |
| Memoranda: | ||
| Average total assets | $780,638,000 | 1,212 |
| Average earning assets | $746,843,000 | 1,194 |
| Average equity | $103,150,500 | 966 |
| Average total loans | $546,290,500 | 1,087 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 917 |
| Cost of funding earning assets | 0.1348% | 4,118 |
| Net interest margin | 4.1167% | 574 |
| Noninterest income to average assets | 1.1909% | 747 |
| Noninterest expense to average assets | 2.9169% | 1,120 |
| Loan and lease loss provision to assets | 0.2805% | 303 |
| Net operating income to assets | 1.8486% | 457 |
| Return on assets (ROA) | 1.8409% | 488 |
| Pretax return on assets | 1.9191% | 696 |
| Return on Equity (ROE) | 13.2235% | 1,390 |
| Retained earnings to average equity (ytd only) | 7.9795% | 1,554 |
| Net charge-offs to loans | -0.0259% | 4,071 |
| Credit loss provision to net charge-offs | -1,510.7143% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7953% | 3,602 |
| Assets per employee ($millions) | 4.0736% | 4,398 |
| Cash dividends to net income (ytd only)* | 39.6570% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,364 |
| Loan loss allowance to noncurrent loans | 247.0775% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 1,439 |
| Noncurrent loans to loans | 0.6311% | 1,574 |
| Net loans and leases to total assets | 70.3571% | 1,001 |
| Net loans and leases to deposits | 81.8310% | 1,079 |
| Net loans and leases to core deposits | 87.4748% | 1,111 |
| Total domestic deposits to total assets | 85.9785% | 2,918 |
| Equity capital to assets | 13.5942% | 743 |
| Core capital (leverage) ratio | 13.4435% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9064% | 664 |
| Memoranda: | ||
| Average total assets | $753,942,400 | 1,214 |
| Average earning assets | $720,436,400 | 1,190 |
| Average equity | $104,956,800 | 972 |
| Average total loans | $540,477,200 | 1,101 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 878 |
| Cost of funding earning assets | 0.1406% | 4,189 |
| Net interest margin | 4.2115% | 531 |
| Noninterest income to average assets | 1.2404% | 751 |
| Noninterest expense to average assets | 3.0408% | 902 |
| Loan and lease loss provision to assets | 0.3179% | 241 |
| Net operating income to assets | 1.8228% | 636 |
| Return on assets (ROA) | 1.8123% | 677 |
| Pretax return on assets | 1.8923% | 967 |
| Return on Equity (ROE) | 12.9407% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.7004% | 2,148 |
| Net charge-offs to loans | -0.0283% | 4,107 |
| Credit loss provision to net charge-offs | -1,568.4211% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6680% | 3,323 |
| Assets per employee ($millions) | 4.2464% | 4,303 |
| Cash dividends to net income (ytd only)* | 40.4944% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,623 |
| Loan loss allowance to noncurrent loans | 63.7610% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 267 |
| Noncurrent loans to loans | 2.3566% | 332 |
| Net loans and leases to total assets | 69.7977% | 1,095 |
| Net loans and leases to deposits | 81.0013% | 1,187 |
| Net loans and leases to core deposits | 86.4776% | 1,261 |
| Total domestic deposits to total assets | 86.1687% | 2,682 |
| Equity capital to assets | 13.3453% | 890 |
| Core capital (leverage) ratio | 13.1594% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4315% | 758 |
| Memoranda: | ||
| Average total assets | $749,950,250 | 1,237 |
| Average earning assets | $716,112,000 | 1,209 |
| Average equity | $105,030,250 | 986 |
| Average total loans | $538,029,500 | 1,123 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 761 |
| Cost of funding earning assets | 0.1464% | 4,232 |
| Net interest margin | 4.3262% | 468 |
| Noninterest income to average assets | 1.0381% | 1,013 |
| Noninterest expense to average assets | 3.1790% | 742 |
| Loan and lease loss provision to assets | 0.3123% | 268 |
| Net operating income to assets | 1.5969% | 1,057 |
| Return on assets (ROA) | 1.5969% | 1,113 |
| Pretax return on assets | 1.6777% | 1,535 |
| Return on Equity (ROE) | 11.2189% | 2,335 |
| Retained earnings to average equity (ytd only) | 6.0098% | 2,797 |
| Net charge-offs to loans | 0.1888% | 451 |
| Credit loss provision to net charge-offs | 229.5050% | 994 |
| Earnings coverage of net charge-offs (x) | 14.6257% | 1,656 |
| Efficiency ratio | 61.3761% | 2,815 |
| Assets per employee ($millions) | 4.2609% | 4,288 |
| Cash dividends to net income (ytd only)* | 46.4316% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 2,008 |
| Loan loss allowance to noncurrent loans | 63.0333% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 206 |
| Noncurrent loans to loans | 2.2096% | 404 |
| Net loans and leases to total assets | 69.2890% | 1,287 |
| Net loans and leases to deposits | 80.1338% | 1,408 |
| Net loans and leases to core deposits | 85.3860% | 1,461 |
| Total domestic deposits to total assets | 86.4666% | 2,566 |
| Equity capital to assets | 13.0487% | 930 |
| Core capital (leverage) ratio | 12.5770% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7940% | 839 |
| Memoranda: | ||
| Average total assets | $742,318,333 | 1,237 |
| Average earning assets | $708,793,667 | 1,212 |
| Average equity | $105,660,667 | 974 |
| Average total loans | $534,820,000 | 1,134 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 691 |
| Cost of funding earning assets | 0.1464% | 4,332 |
| Net interest margin | 4.4338% | 402 |
| Noninterest income to average assets | 1.0916% | 993 |
| Noninterest expense to average assets | 2.9760% | 1,036 |
| Loan and lease loss provision to assets | 0.3795% | 210 |
| Net operating income to assets | 1.9136% | 650 |
| Return on assets (ROA) | 1.9136% | 699 |
| Pretax return on assets | 2.0073% | 936 |
| Return on Equity (ROE) | 12.4905% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.8849% | 2,613 |
| Net charge-offs to loans | 0.5175% | 157 |
| Credit loss provision to net charge-offs | 96.0506% | 1,156 |
| Earnings coverage of net charge-offs (x) | 6.0411% | 1,657 |
| Efficiency ratio | 55.3538% | 3,626 |
| Assets per employee ($millions) | 4.1635% | 4,369 |
| Cash dividends to net income (ytd only)* | 44.8793% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,427 |
| Loan loss allowance to noncurrent loans | 43.4161% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.8378% | 119 |
| Noncurrent loans to loans | 2.9983% | 263 |
| Net loans and leases to total assets | 72.3933% | 967 |
| Net loans and leases to deposits | 85.4547% | 1,001 |
| Net loans and leases to core deposits | 91.7092% | 1,133 |
| Total domestic deposits to total assets | 84.7154% | 3,215 |
| Equity capital to assets | 15.0538% | 486 |
| Core capital (leverage) ratio | 15.2740% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9401% | 519 |
| Memoranda: | ||
| Average total assets | $640,870,500 | 1,372 |
| Average earning assets | $617,346,000 | 1,342 |
| Average equity | $98,186,500 | 1,024 |
| Average total loans | $489,322,500 | 1,207 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,083 |
| Cost of funding earning assets | 0.3234% | 4,011 |
| Net interest margin | 4.2850% | 523 |
| Noninterest income to average assets | 1.0530% | 958 |
| Noninterest expense to average assets | 3.0511% | 1,329 |
| Loan and lease loss provision to assets | 0.1057% | 3,015 |
| Net operating income to assets | 1.9207% | 304 |
| Return on assets (ROA) | 1.9207% | 328 |
| Pretax return on assets | 2.0215% | 441 |
| Return on Equity (ROE) | 12.2414% | 1,250 |
| Retained earnings to average equity (ytd only) | 6.2322% | 1,690 |
| Net charge-offs to loans | 0.0198% | 2,674 |
| Credit loss provision to net charge-offs | 670.5263% | 1,023 |
| Earnings coverage of net charge-offs (x) | 134.9895% | 630 |
| Efficiency ratio | 58.7674% | 3,620 |
| Assets per employee ($millions) | 3.7584% | 4,529 |
| Cash dividends to net income (ytd only)* | 49.0889% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,567 |
| Loan loss allowance to noncurrent loans | 32.2261% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 3.3049% | 95 |
| Noncurrent loans to loans | 3.9441% | 143 |
| Net loans and leases to total assets | 78.5102% | 551 |
| Net loans and leases to deposits | 93.2970% | 700 |
| Net loans and leases to core deposits | 100.5700% | 876 |
| Total domestic deposits to total assets | 84.1509% | 3,067 |
| Equity capital to assets | 15.6023% | 475 |
| Core capital (leverage) ratio | 15.4217% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5362% | 541 |
| Memoranda: | ||
| Average total assets | $602,864,800 | 1,326 |
| Average earning assets | $580,390,400 | 1,295 |
| Average equity | $94,589,200 | 1,011 |
| Average total loans | $480,637,000 | 1,177 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,070 |
| Cost of funding earning assets | 0.3628% | 3,992 |
| Net interest margin | 4.3359% | 547 |
| Noninterest income to average assets | 1.0522% | 942 |
| Noninterest expense to average assets | 3.0684% | 1,293 |
| Loan and lease loss provision to assets | 0.0060% | 4,205 |
| Net operating income to assets | 2.0450% | 268 |
| Return on assets (ROA) | 2.0450% | 294 |
| Pretax return on assets | 2.1481% | 380 |
| Return on Equity (ROE) | 13.0148% | 1,108 |
| Retained earnings to average equity (ytd only) | 6.9618% | 1,709 |
| Net charge-offs to loans | 0.0062% | 2,915 |
| Credit loss provision to net charge-offs | 122.7273% | 2,486 |
| Earnings coverage of net charge-offs (x) | 438.8636% | 258 |
| Efficiency ratio | 58.5996% | 3,583 |
| Assets per employee ($millions) | 3.8775% | 4,421 |
| Cash dividends to net income (ytd only)* | 46.5088% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,849 |
| Loan loss allowance to noncurrent loans | 26.8616% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 3.6675% | 98 |
| Noncurrent loans to loans | 4.3484% | 142 |
| Net loans and leases to total assets | 78.1787% | 809 |
| Net loans and leases to deposits | 92.8261% | 1,013 |
| Net loans and leases to core deposits | 100.5049% | 1,125 |
| Total domestic deposits to total assets | 84.2207% | 2,749 |
| Equity capital to assets | 15.4319% | 548 |
| Core capital (leverage) ratio | 15.4328% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0865% | 578 |
| Memoranda: | ||
| Average total assets | $597,605,750 | 1,314 |
| Average earning assets | $574,785,500 | 1,284 |
| Average equity | $93,900,750 | 1,010 |
| Average total loans | $476,763,250 | 1,180 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 984 |
| Cost of funding earning assets | 0.4209% | 3,943 |
| Net interest margin | 4.4731% | 534 |
| Noninterest income to average assets | 1.0572% | 888 |
| Noninterest expense to average assets | 3.1271% | 1,293 |
| Loan and lease loss provision to assets | 0.0054% | 4,107 |
| Net operating income to assets | 2.1168% | 255 |
| Return on assets (ROA) | 2.1168% | 283 |
| Pretax return on assets | 2.2242% | 353 |
| Return on Equity (ROE) | 13.3872% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.2812% | 1,547 |
| Net charge-offs to loans | -0.0085% | 4,159 |
| Credit loss provision to net charge-offs | -80.0000% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2255% | 3,662 |
| Assets per employee ($millions) | 3.9025% | 4,392 |
| Cash dividends to net income (ytd only)* | 45.6107% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,635 |
| Loan loss allowance to noncurrent loans | 22.9001% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 4.2455% | 75 |
| Noncurrent loans to loans | 5.1328% | 106 |
| Net loans and leases to total assets | 77.5980% | 904 |
| Net loans and leases to deposits | 91.7221% | 1,192 |
| Net loans and leases to core deposits | 99.3718% | 1,304 |
| Total domestic deposits to total assets | 84.6012% | 2,531 |
| Equity capital to assets | 15.0926% | 603 |
| Core capital (leverage) ratio | 15.2019% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9822% | 583 |
| Memoranda: | ||
| Average total assets | $588,717,000 | 1,314 |
| Average earning assets | $565,868,667 | 1,277 |
| Average equity | $93,088,667 | 1,003 |
| Average total loans | $471,079,000 | 1,175 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,212 |
| Cost of funding earning assets | 0.5066% | 3,912 |
| Net interest margin | 4.3861% | 646 |
| Noninterest income to average assets | 1.2044% | 604 |
| Noninterest expense to average assets | 3.2588% | 1,297 |
| Loan and lease loss provision to assets | 0.0070% | 3,666 |
| Net operating income to assets | 2.0495% | 247 |
| Return on assets (ROA) | 2.0495% | 268 |
| Pretax return on assets | 2.1507% | 335 |
| Return on Equity (ROE) | 12.6438% | 949 |
| Retained earnings to average equity (ytd only) | 5.9727% | 1,886 |
| Net charge-offs to loans | -0.0304% | 4,477 |
| Credit loss provision to net charge-offs | -28.5714% | 3,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0078% | 3,737 |
| Assets per employee ($millions) | 3.4575% | 4,519 |
| Cash dividends to net income (ytd only)* | 52.7616% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,458 |
| Loan loss allowance to noncurrent loans | 27.6980% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 3.9613% | 101 |
| Noncurrent loans to loans | 4.4732% | 151 |
| Net loans and leases to total assets | 80.1785% | 679 |
| Net loans and leases to deposits | 96.1333% | 895 |
| Net loans and leases to core deposits | 103.4684% | 1,218 |
| Total domestic deposits to total assets | 83.4034% | 2,981 |
| Equity capital to assets | 16.0942% | 566 |
| Core capital (leverage) ratio | 16.1425% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,921,000 | 1,311 |
| Average earning assets | $546,356,500 | 1,270 |
| Average equity | $92,219,000 | 1,010 |
| Average total loans | $459,941,500 | 1,162 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,810 |
| Cost of funding earning assets | 0.5483% | 3,885 |
| Net interest margin | 4.3328% | 1,027 |
| Noninterest income to average assets | 1.1189% | 757 |
| Noninterest expense to average assets | 2.9650% | 2,113 |
| Loan and lease loss provision to assets | 0.2134% | 935 |
| Net operating income to assets | 1.9860% | 366 |
| Return on assets (ROA) | 1.9860% | 379 |
| Pretax return on assets | 2.0831% | 497 |
| Return on Equity (ROE) | 13.0403% | 1,154 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,522 |
| Net charge-offs to loans | 0.0301% | 2,799 |
| Credit loss provision to net charge-offs | 929.3233% | 369 |
| Earnings coverage of net charge-offs (x) | 100.0226% | 678 |
| Efficiency ratio | 56.1961% | 4,179 |
| Assets per employee ($millions) | 3.3761% | 4,588 |
| Cash dividends to net income (ytd only)* | 48.5963% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,036 |
| Loan loss allowance to noncurrent loans | 25.2420% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.6817% | 71 |
| Noncurrent loans to loans | 5.0610% | 100 |
| Net loans and leases to total assets | 79.4661% | 859 |
| Net loans and leases to deposits | 95.3575% | 1,011 |
| Net loans and leases to core deposits | 102.3127% | 1,383 |
| Total domestic deposits to total assets | 83.3349% | 3,088 |
| Equity capital to assets | 16.3282% | 549 |
| Core capital (leverage) ratio | 16.2763% | 488 |
| Tier 1 risk-based capital ratio | 21.1772% | 1,136 |
| Total risk-based capital ratio | 22.4282% | 1,112 |
| Memoranda: | ||
| Average total assets | $579,294,400 | 1,256 |
| Average earning assets | $553,851,000 | 1,224 |
| Average equity | $88,226,400 | 1,001 |
| Average total loans | $442,524,000 | 1,173 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,931 |
| Cost of funding earning assets | 0.5545% | 3,899 |
| Net interest margin | 4.3095% | 1,147 |
| Noninterest income to average assets | 1.0879% | 774 |
| Noninterest expense to average assets | 3.0512% | 1,825 |
| Loan and lease loss provision to assets | 0.2132% | 811 |
| Net operating income to assets | 1.9412% | 445 |
| Return on assets (ROA) | 1.9412% | 462 |
| Pretax return on assets | 1.9412% | 787 |
| Return on Equity (ROE) | 12.9706% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.9308% | 2,404 |
| Net charge-offs to loans | 0.0436% | 2,225 |
| Credit loss provision to net charge-offs | 648.6111% | 511 |
| Earnings coverage of net charge-offs (x) | 65.5331% | 1,001 |
| Efficiency ratio | 58.4554% | 3,869 |
| Assets per employee ($millions) | 3.5201% | 4,479 |
| Cash dividends to net income (ytd only)* | 54.2750% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,294 |
| Loan loss allowance to noncurrent loans | 58.3655% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 346 |
| Noncurrent loans to loans | 2.1228% | 622 |
| Net loans and leases to total assets | 77.1183% | 1,295 |
| Net loans and leases to deposits | 92.2634% | 1,408 |
| Net loans and leases to core deposits | 98.9775% | 1,746 |
| Total domestic deposits to total assets | 83.5849% | 2,970 |
| Equity capital to assets | 15.8827% | 658 |
| Core capital (leverage) ratio | 15.5051% | 640 |
| Tier 1 risk-based capital ratio | 21.4534% | 1,135 |
| Total risk-based capital ratio | 22.7041% | 1,110 |
| Memoranda: | ||
| Average total assets | $584,009,500 | 1,249 |
| Average earning assets | $558,044,000 | 1,219 |
| Average equity | $87,405,750 | 1,007 |
| Average total loans | $440,375,500 | 1,184 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 2,000 |
| Cost of funding earning assets | 0.5486% | 3,879 |
| Net interest margin | 4.2712% | 1,199 |
| Noninterest income to average assets | 1.0759% | 735 |
| Noninterest expense to average assets | 2.9861% | 2,042 |
| Loan and lease loss provision to assets | 0.2102% | 800 |
| Net operating income to assets | 1.9640% | 412 |
| Return on assets (ROA) | 1.9640% | 435 |
| Pretax return on assets | 1.9640% | 731 |
| Return on Equity (ROE) | 13.3828% | 1,128 |
| Retained earnings to average equity (ytd only) | 6.2867% | 2,151 |
| Net charge-offs to loans | 0.0318% | 2,220 |
| Credit loss provision to net charge-offs | 887.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 91.7714% | 737 |
| Efficiency ratio | 57.7097% | 4,046 |
| Assets per employee ($millions) | 3.7887% | 4,145 |
| Cash dividends to net income (ytd only)* | 53.0243% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,547 |
| Loan loss allowance to noncurrent loans | 39.2865% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.8571% | 223 |
| Noncurrent loans to loans | 3.0450% | 330 |
| Net loans and leases to total assets | 73.2623% | 2,011 |
| Net loans and leases to deposits | 86.5049% | 2,203 |
| Net loans and leases to core deposits | 92.4458% | 2,371 |
| Total domestic deposits to total assets | 84.6915% | 2,601 |
| Equity capital to assets | 15.0424% | 797 |
| Core capital (leverage) ratio | 14.8616% | 736 |
| Tier 1 risk-based capital ratio | 20.9995% | 1,175 |
| Total risk-based capital ratio | 22.2427% | 1,161 |
| Memoranda: | ||
| Average total assets | $590,940,000 | 1,243 |
| Average earning assets | $565,083,330 | 1,215 |
| Average equity | $86,723,000 | 1,008 |
| Average total loans | $440,569,670 | 1,185 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,039 |
| Cost of funding earning assets | 0.5246% | 3,948 |
| Net interest margin | 4.2334% | 1,232 |
| Noninterest income to average assets | 1.0338% | 747 |
| Noninterest expense to average assets | 2.9866% | 2,031 |
| Loan and lease loss provision to assets | 0.2092% | 756 |
| Net operating income to assets | 1.8894% | 468 |
| Return on assets (ROA) | 1.8894% | 485 |
| Pretax return on assets | 1.8894% | 812 |
| Return on Equity (ROE) | 13.0358% | 1,206 |
| Retained earnings to average equity (ytd only) | 5.8754% | 2,507 |
| Net charge-offs to loans | 0.0262% | 1,932 |
| Credit loss provision to net charge-offs | 1,068.9655% | 352 |
| Earnings coverage of net charge-offs (x) | 107.2414% | 642 |
| Efficiency ratio | 58.5722% | 4,005 |
| Assets per employee ($millions) | 3.7511% | 4,272 |
| Cash dividends to net income (ytd only)* | 54.9286% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,043 |
| Loan loss allowance to noncurrent loans | 106.4669% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.4726% | 820 |
| Noncurrent loans to loans | 1.0473% | 1,591 |
| Net loans and leases to total assets | 72.9787% | 1,989 |
| Net loans and leases to deposits | 85.7215% | 2,165 |
| Net loans and leases to core deposits | 91.3534% | 2,363 |
| Total domestic deposits to total assets | 85.1347% | 2,635 |
| Equity capital to assets | 14.4331% | 899 |
| Core capital (leverage) ratio | 14.5887% | 792 |
| Tier 1 risk-based capital ratio | 20.8549% | 1,181 |
| Total risk-based capital ratio | 22.0455% | 1,174 |
| Memoranda: | ||
| Average total assets | $592,789,500 | 1,244 |
| Average earning assets | $567,294,000 | 1,211 |
| Average equity | $85,917,000 | 1,005 |
| Average total loans | $443,137,000 | 1,183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 2,520 |
| Cost of funding earning assets | 0.3626% | 4,205 |
| Net interest margin | 4.1165% | 1,631 |
| Noninterest income to average assets | 0.9817% | 979 |
| Noninterest expense to average assets | 2.8191% | 2,627 |
| Loan and lease loss provision to assets | 0.2114% | 880 |
| Net operating income to assets | 1.9300% | 415 |
| Return on assets (ROA) | 1.9300% | 411 |
| Pretax return on assets | 1.9300% | 665 |
| Return on Equity (ROE) | 13.8482% | 1,081 |
| Retained earnings to average equity (ytd only) | 6.3853% | 1,981 |
| Net charge-offs to loans | 0.0381% | 2,636 |
| Credit loss provision to net charge-offs | 758.5366% | 472 |
| Earnings coverage of net charge-offs (x) | 76.8537% | 882 |
| Efficiency ratio | 56.6668% | 4,325 |
| Assets per employee ($millions) | 3.7525% | 4,244 |
| Cash dividends to net income (ytd only)* | 53.8908% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,376 |
| Loan loss allowance to noncurrent loans | 65.3760% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 758 |
| Noncurrent loans to loans | 1.6078% | 914 |
| Net loans and leases to total assets | 74.9355% | 1,784 |
| Net loans and leases to deposits | 87.9447% | 2,049 |
| Net loans and leases to core deposits | 93.7469% | 2,247 |
| Total domestic deposits to total assets | 85.2075% | 2,553 |
| Equity capital to assets | 14.5558% | 823 |
| Core capital (leverage) ratio | 14.6014% | 774 |
| Tier 1 risk-based capital ratio | 20.5506% | 1,216 |
| Total risk-based capital ratio | 21.6741% | 1,217 |
| Memoranda: | ||
| Average total assets | $588,596,000 | 1,226 |
| Average earning assets | $568,912,200 | 1,186 |
| Average equity | $82,032,400 | 1,005 |
| Average total loans | $429,897,200 | 1,179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 2,577 |
| Cost of funding earning assets | 0.3293% | 4,309 |
| Net interest margin | 4.0862% | 1,669 |
| Noninterest income to average assets | 0.9528% | 1,053 |
| Noninterest expense to average assets | 2.8992% | 2,308 |
| Loan and lease loss provision to assets | 0.2111% | 797 |
| Net operating income to assets | 1.7898% | 611 |
| Return on assets (ROA) | 1.7898% | 614 |
| Pretax return on assets | 1.7898% | 1,032 |
| Return on Equity (ROE) | 12.9853% | 1,435 |
| Retained earnings to average equity (ytd only) | 5.2815% | 3,071 |
| Net charge-offs to loans | 0.0766% | 1,759 |
| Credit loss provision to net charge-offs | 380.8163% | 849 |
| Earnings coverage of net charge-offs (x) | 36.1019% | 1,433 |
| Efficiency ratio | 59.0000% | 3,964 |
| Assets per employee ($millions) | 3.4840% | 4,582 |
| Cash dividends to net income (ytd only)* | 59.3276% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,978 |
| Loan loss allowance to noncurrent loans | 61.4101% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 739 |
| Noncurrent loans to loans | 1.5701% | 1,016 |
| Net loans and leases to total assets | 74.8981% | 1,833 |
| Net loans and leases to deposits | 87.5737% | 2,205 |
| Net loans and leases to core deposits | 95.6874% | 2,147 |
| Total domestic deposits to total assets | 85.5258% | 2,385 |
| Equity capital to assets | 14.1851% | 904 |
| Core capital (leverage) ratio | 14.1460% | 899 |
| Tier 1 risk-based capital ratio | 19.8175% | 1,371 |
| Total risk-based capital ratio | 20.8345% | 1,385 |
| Memoranda: | ||
| Average total assets | $589,395,750 | 1,228 |
| Average earning assets | $569,345,250 | 1,185 |
| Average equity | $81,238,250 | 1,010 |
| Average total loans | $426,539,000 | 1,194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,773 |
| Cost of funding earning assets | 0.2926% | 4,466 |
| Net interest margin | 4.0032% | 1,850 |
| Noninterest income to average assets | 0.9286% | 1,113 |
| Noninterest expense to average assets | 2.8848% | 2,393 |
| Loan and lease loss provision to assets | 0.2102% | 802 |
| Net operating income to assets | 1.7009% | 716 |
| Return on assets (ROA) | 1.7009% | 726 |
| Pretax return on assets | 1.7009% | 1,209 |
| Return on Equity (ROE) | 12.4600% | 1,558 |
| Retained earnings to average equity (ytd only) | 4.3575% | 3,420 |
| Net charge-offs to loans | 0.1035% | 1,322 |
| Credit loss provision to net charge-offs | 284.8624% | 1,049 |
| Earnings coverage of net charge-offs (x) | 25.8945% | 1,622 |
| Efficiency ratio | 59.9816% | 3,938 |
| Assets per employee ($millions) | 3.5863% | 4,491 |
| Cash dividends to net income (ytd only)* | 65.0279% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,239 |
| Loan loss allowance to noncurrent loans | 46.0046% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9471% | 560 |
| Noncurrent loans to loans | 2.0040% | 745 |
| Net loans and leases to total assets | 72.7949% | 2,150 |
| Net loans and leases to deposits | 84.7466% | 2,451 |
| Net loans and leases to core deposits | 92.6232% | 2,342 |
| Total domestic deposits to total assets | 85.8972% | 2,329 |
| Equity capital to assets | 13.8497% | 969 |
| Core capital (leverage) ratio | 13.8444% | 949 |
| Tier 1 risk-based capital ratio | 19.4948% | 1,434 |
| Total risk-based capital ratio | 20.4455% | 1,458 |
| Memoranda: | ||
| Average total assets | $590,757,330 | 1,221 |
| Average earning assets | $570,692,330 | 1,183 |
| Average equity | $80,642,000 | 1,017 |
| Average total loans | $421,167,000 | 1,207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,926 |
| Cost of funding earning assets | 0.2049% | 4,988 |
| Net interest margin | 3.9809% | 1,785 |
| Noninterest income to average assets | 0.8972% | 1,154 |
| Noninterest expense to average assets | 2.9497% | 2,202 |
| Loan and lease loss provision to assets | 0.2101% | 770 |
| Net operating income to assets | 1.5830% | 891 |
| Return on assets (ROA) | 1.5830% | 897 |
| Pretax return on assets | 1.5830% | 1,440 |
| Return on Equity (ROE) | 11.6808% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.0153% | 3,161 |
| Net charge-offs to loans | 0.1241% | 1,048 |
| Credit loss provision to net charge-offs | 241.0853% | 934 |
| Earnings coverage of net charge-offs (x) | 20.5736% | 1,463 |
| Efficiency ratio | 62.0228% | 3,776 |
| Assets per employee ($millions) | 3.6000% | 4,533 |
| Cash dividends to net income (ytd only)* | 57.0636% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,481 |
| Loan loss allowance to noncurrent loans | 53.3173% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 749 |
| Noncurrent loans to loans | 1.6736% | 1,024 |
| Net loans and leases to total assets | 70.7507% | 2,366 |
| Net loans and leases to deposits | 82.3504% | 2,565 |
| Net loans and leases to core deposits | 89.8847% | 2,457 |
| Total domestic deposits to total assets | 85.9142% | 2,580 |
| Equity capital to assets | 13.6595% | 989 |
| Core capital (leverage) ratio | 13.5681% | 991 |
| Tier 1 risk-based capital ratio | 19.6848% | 1,397 |
| Total risk-based capital ratio | 20.5996% | 1,433 |
| Memoranda: | ||
| Average total assets | $592,056,500 | 1,225 |
| Average earning assets | $571,926,500 | 1,186 |
| Average equity | $80,234,000 | 1,029 |
| Average total loans | $415,683,500 | 1,223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,120 |
| Cost of funding earning assets | 0.1512% | 5,255 |
| Net interest margin | 3.9303% | 1,989 |
| Noninterest income to average assets | 0.9290% | 1,192 |
| Noninterest expense to average assets | 2.6582% | 3,261 |
| Loan and lease loss provision to assets | 0.2855% | 618 |
| Net operating income to assets | 1.7785% | 447 |
| Return on assets (ROA) | 1.7785% | 456 |
| Pretax return on assets | 1.7785% | 838 |
| Return on Equity (ROE) | 13.2054% | 905 |
| Retained earnings to average equity (ytd only) | 6.6823% | 1,201 |
| Net charge-offs to loans | 0.2038% | 1,267 |
| Credit loss provision to net charge-offs | 205.0061% | 1,332 |
| Earnings coverage of net charge-offs (x) | 14.8217% | 2,296 |
| Efficiency ratio | 56.1193% | 4,761 |
| Assets per employee ($millions) | 3.6876% | 4,450 |
| Cash dividends to net income (ytd only)* | 49.3977% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,584 |
| Loan loss allowance to noncurrent loans | 51.3483% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 767 |
| Noncurrent loans to loans | 1.7009% | 961 |
| Net loans and leases to total assets | 68.4361% | 2,762 |
| Net loans and leases to deposits | 79.2547% | 2,999 |
| Net loans and leases to core deposits | 86.4928% | 2,873 |
| Total domestic deposits to total assets | 86.3495% | 2,292 |
| Equity capital to assets | 13.4446% | 1,083 |
| Core capital (leverage) ratio | 13.4627% | 982 |
| Tier 1 risk-based capital ratio | 19.7260% | 1,374 |
| Total risk-based capital ratio | 20.6091% | 1,416 |
| Memoranda: | ||
| Average total assets | $588,146,800 | 1,218 |
| Average earning assets | $567,609,000 | 1,166 |
| Average equity | $79,209,800 | 1,014 |
| Average total loans | $401,862,000 | 1,226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,174 |
| Cost of funding earning assets | 0.1458% | 5,335 |
| Net interest margin | 3.9048% | 2,022 |
| Noninterest income to average assets | 0.9289% | 1,193 |
| Noninterest expense to average assets | 2.7788% | 2,803 |
| Loan and lease loss provision to assets | 0.3109% | 499 |
| Net operating income to assets | 1.6072% | 703 |
| Return on assets (ROA) | 1.6072% | 722 |
| Pretax return on assets | 1.6072% | 1,392 |
| Return on Equity (ROE) | 11.9287% | 1,354 |
| Retained earnings to average equity (ytd only) | 5.4693% | 2,559 |
| Net charge-offs to loans | 0.1177% | 1,613 |
| Credit loss provision to net charge-offs | 387.5354% | 787 |
| Earnings coverage of net charge-offs (x) | 23.9124% | 1,792 |
| Efficiency ratio | 58.9889% | 4,356 |
| Assets per employee ($millions) | 3.6834% | 4,471 |
| Cash dividends to net income (ytd only)* | 54.1496% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,551 |
| Loan loss allowance to noncurrent loans | 53.6176% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7068% | 843 |
| Noncurrent loans to loans | 1.6849% | 1,076 |
| Net loans and leases to total assets | 69.0863% | 2,681 |
| Net loans and leases to deposits | 79.7786% | 2,993 |
| Net loans and leases to core deposits | 86.9931% | 2,872 |
| Total domestic deposits to total assets | 86.5975% | 2,049 |
| Equity capital to assets | 13.1411% | 1,317 |
| Core capital (leverage) ratio | 13.1080% | 1,166 |
| Tier 1 risk-based capital ratio | 18.2347% | 1,795 |
| Total risk-based capital ratio | 19.1094% | 1,843 |
| Memoranda: | ||
| Average total assets | $586,756,250 | 1,229 |
| Average earning assets | $566,188,250 | 1,172 |
| Average equity | $79,056,750 | 1,020 |
| Average total loans | $399,854,750 | 1,241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,225 |
| Cost of funding earning assets | 0.1443% | 5,370 |
| Net interest margin | 3.8501% | 2,094 |
| Noninterest income to average assets | 0.9154% | 1,228 |
| Noninterest expense to average assets | 2.8108% | 2,719 |
| Loan and lease loss provision to assets | 0.3157% | 473 |
| Net operating income to assets | 1.5031% | 858 |
| Return on assets (ROA) | 1.5031% | 885 |
| Pretax return on assets | 1.5031% | 1,624 |
| Return on Equity (ROE) | 11.0635% | 1,622 |
| Retained earnings to average equity (ytd only) | 4.7865% | 2,858 |
| Net charge-offs to loans | 0.0880% | 1,728 |
| Credit loss provision to net charge-offs | 530.4598% | 628 |
| Earnings coverage of net charge-offs (x) | 30.5575% | 1,448 |
| Efficiency ratio | 60.5364% | 4,234 |
| Assets per employee ($millions) | 3.6136% | 4,555 |
| Cash dividends to net income (ytd only)* | 56.7365% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 4,799 |
| Loan loss allowance to noncurrent loans | 45.3903% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 873 |
| Noncurrent loans to loans | 1.8867% | 926 |
| Net loans and leases to total assets | 67.8067% | 2,841 |
| Net loans and leases to deposits | 78.0714% | 3,114 |
| Net loans and leases to core deposits | 84.0183% | 3,067 |
| Total domestic deposits to total assets | 86.8521% | 2,015 |
| Equity capital to assets | 12.9184% | 1,410 |
| Core capital (leverage) ratio | 13.0757% | 1,145 |
| Tier 1 risk-based capital ratio | 18.5958% | 1,693 |
| Total risk-based capital ratio | 19.4394% | 1,764 |
| Memoranda: | ||
| Average total assets | $584,666,670 | 1,238 |
| Average earning assets | $564,040,330 | 1,183 |
| Average equity | $79,432,330 | 1,022 |
| Average total loans | $395,328,330 | 1,251 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 3,290 |
| Cost of funding earning assets | 0.1458% | 5,405 |
| Net interest margin | 3.7824% | 2,180 |
| Noninterest income to average assets | 0.9065% | 1,217 |
| Noninterest expense to average assets | 2.8553% | 2,601 |
| Loan and lease loss provision to assets | 0.3182% | 395 |
| Net operating income to assets | 1.3777% | 1,039 |
| Return on assets (ROA) | 1.3777% | 1,076 |
| Pretax return on assets | 1.3777% | 1,958 |
| Return on Equity (ROE) | 9.8925% | 2,007 |
| Retained earnings to average equity (ytd only) | 3.5020% | 3,688 |
| Net charge-offs to loans | 0.1588% | 1,022 |
| Credit loss provision to net charge-offs | 298.0645% | 795 |
| Earnings coverage of net charge-offs (x) | 15.8839% | 1,661 |
| Efficiency ratio | 62.5549% | 4,067 |
| Assets per employee ($millions) | 3.4880% | 4,798 |
| Cash dividends to net income (ytd only)* | 64.6000% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 5,132 |
| Loan loss allowance to noncurrent loans | 40.5572% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.8896% | 725 |
| Noncurrent loans to loans | 1.9079% | 949 |
| Net loans and leases to total assets | 66.6611% | 2,867 |
| Net loans and leases to deposits | 77.6204% | 3,020 |
| Net loans and leases to core deposits | 83.6794% | 2,931 |
| Total domestic deposits to total assets | 85.8808% | 2,728 |
| Equity capital to assets | 13.9484% | 919 |
| Core capital (leverage) ratio | 14.2211% | 784 |
| Tier 1 risk-based capital ratio | 20.6467% | 1,280 |
| Total risk-based capital ratio | 21.4172% | 1,329 |
| Memoranda: | ||
| Average total assets | $580,682,500 | 1,241 |
| Average earning assets | $559,545,000 | 1,191 |
| Average equity | $80,869,000 | 1,004 |
| Average total loans | $390,334,000 | 1,273 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 3,542 |
| Cost of funding earning assets | 0.1542% | 5,395 |
| Net interest margin | 3.7542% | 2,487 |
| Noninterest income to average assets | 0.9618% | 1,236 |
| Noninterest expense to average assets | 2.6665% | 3,467 |
| Loan and lease loss provision to assets | 0.1124% | 2,191 |
| Net operating income to assets | 1.7966% | 448 |
| Return on assets (ROA) | 1.7966% | 470 |
| Pretax return on assets | 1.7966% | 811 |
| Return on Equity (ROE) | 13.3777% | 912 |
| Retained earnings to average equity (ytd only) | 5.1237% | 2,264 |
| Net charge-offs to loans | 0.4156% | 630 |
| Credit loss provision to net charge-offs | 42.1795% | 3,477 |
| Earnings coverage of net charge-offs (x) | 7.1635% | 3,062 |
| Efficiency ratio | 58.0981% | 4,838 |
| Assets per employee ($millions) | 3.5513% | 4,677 |
| Cash dividends to net income (ytd only)* | 61.7001% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,361 |
| Loan loss allowance to noncurrent loans | 36.5333% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9115% | 744 |
| Noncurrent loans to loans | 1.9130% | 963 |
| Net loans and leases to total assets | 66.7890% | 2,959 |
| Net loans and leases to deposits | 77.7760% | 3,127 |
| Net loans and leases to core deposits | 84.1134% | 3,015 |
| Total domestic deposits to total assets | 85.8736% | 2,644 |
| Equity capital to assets | 13.9046% | 916 |
| Core capital (leverage) ratio | 13.7569% | 881 |
| Tier 1 risk-based capital ratio | 20.9347% | 1,223 |
| Total risk-based capital ratio | 21.6425% | 1,283 |
| Memoranda: | ||
| Average total assets | $585,376,400 | 1,196 |
| Average earning assets | $563,479,800 | 1,150 |
| Average equity | $78,615,800 | 1,010 |
| Average total loans | $375,405,800 | 1,260 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,664 |
| Cost of funding earning assets | 0.1558% | 5,448 |
| Net interest margin | 3.7209% | 2,637 |
| Noninterest income to average assets | 0.9810% | 1,188 |
| Noninterest expense to average assets | 2.7602% | 3,146 |
| Loan and lease loss provision to assets | 0.0400% | 3,442 |
| Net operating income to assets | 1.7621% | 527 |
| Return on assets (ROA) | 1.7621% | 555 |
| Pretax return on assets | 1.7621% | 972 |
| Return on Equity (ROE) | 13.2362% | 982 |
| Retained earnings to average equity (ytd only) | 4.9341% | 2,876 |
| Net charge-offs to loans | 0.3951% | 554 |
| Credit loss provision to net charge-offs | 15.9710% | 3,319 |
| Earnings coverage of net charge-offs (x) | 7.1996% | 2,903 |
| Efficiency ratio | 60.3206% | 4,497 |
| Assets per employee ($millions) | 3.5995% | 4,645 |
| Cash dividends to net income (ytd only)* | 62.7224% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 5,395 |
| Loan loss allowance to noncurrent loans | 33.5907% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9604% | 800 |
| Noncurrent loans to loans | 2.1288% | 893 |
| Net loans and leases to total assets | 63.8245% | 3,427 |
| Net loans and leases to deposits | 74.0889% | 3,590 |
| Net loans and leases to core deposits | 80.1516% | 3,433 |
| Total domestic deposits to total assets | 86.1458% | 2,283 |
| Equity capital to assets | 13.5731% | 1,210 |
| Core capital (leverage) ratio | 13.5020% | 998 |
| Tier 1 risk-based capital ratio | 21.0719% | 1,256 |
| Total risk-based capital ratio | 21.7888% | 1,318 |
| Memoranda: | ||
| Average total assets | $587,004,000 | 1,191 |
| Average earning assets | $564,979,250 | 1,145 |
| Average equity | $78,147,500 | 1,021 |
| Average total loans | $371,922,250 | 1,270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,684 |
| Cost of funding earning assets | 0.1586% | 5,490 |
| Net interest margin | 3.7149% | 2,639 |
| Noninterest income to average assets | 1.0032% | 1,108 |
| Noninterest expense to average assets | 2.7144% | 3,344 |
| Loan and lease loss provision to assets | 0.0065% | 3,937 |
| Net operating income to assets | 1.8562% | 436 |
| Return on assets (ROA) | 1.8562% | 458 |
| Pretax return on assets | 1.8562% | 772 |
| Return on Equity (ROE) | 14.0345% | 822 |
| Retained earnings to average equity (ytd only) | 5.6792% | 2,317 |
| Net charge-offs to loans | 0.3874% | 584 |
| Credit loss provision to net charge-offs | 2.6499% | 3,036 |
| Earnings coverage of net charge-offs (x) | 7.6262% | 2,607 |
| Efficiency ratio | 59.1247% | 4,750 |
| Assets per employee ($millions) | 3.4487% | 4,838 |
| Cash dividends to net income (ytd only)* | 59.5339% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 5,313 |
| Loan loss allowance to noncurrent loans | 35.4941% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.0058% | 819 |
| Noncurrent loans to loans | 2.2135% | 848 |
| Net loans and leases to total assets | 62.9805% | 3,502 |
| Net loans and leases to deposits | 72.9924% | 3,702 |
| Net loans and leases to core deposits | 79.4717% | 3,510 |
| Total domestic deposits to total assets | 86.2837% | 2,280 |
| Equity capital to assets | 13.4770% | 1,250 |
| Core capital (leverage) ratio | 13.3822% | 1,025 |
| Tier 1 risk-based capital ratio | 21.2380% | 1,235 |
| Total risk-based capital ratio | 22.0282% | 1,279 |
| Memoranda: | ||
| Average total assets | $587,099,330 | 1,196 |
| Average earning assets | $564,803,000 | 1,150 |
| Average equity | $77,651,330 | 1,026 |
| Average total loans | $370,174,000 | 1,265 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,839 |
| Cost of funding earning assets | 0.1607% | 5,542 |
| Net interest margin | 3.6700% | 2,801 |
| Noninterest income to average assets | 0.8783% | 1,363 |
| Noninterest expense to average assets | 2.6880% | 3,455 |
| Loan and lease loss provision to assets | 0.0048% | 3,612 |
| Net operating income to assets | 1.7157% | 553 |
| Return on assets (ROA) | 1.7157% | 590 |
| Pretax return on assets | 1.7157% | 1,033 |
| Return on Equity (ROE) | 13.0960% | 1,020 |
| Retained earnings to average equity (ytd only) | 4.6668% | 3,139 |
| Net charge-offs to loans | 0.2265% | 904 |
| Credit loss provision to net charge-offs | 3.3493% | 2,409 |
| Earnings coverage of net charge-offs (x) | 12.0909% | 1,817 |
| Efficiency ratio | 60.7876% | 4,635 |
| Assets per employee ($millions) | 3.5905% | 4,667 |
| Cash dividends to net income (ytd only)* | 64.3651% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,948 |
| Loan loss allowance to noncurrent loans | 42.5127% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.0080% | 863 |
| Noncurrent loans to loans | 2.1898% | 938 |
| Net loans and leases to total assets | 61.8248% | 3,553 |
| Net loans and leases to deposits | 71.3507% | 3,715 |
| Net loans and leases to core deposits | 77.7173% | 3,518 |
| Total domestic deposits to total assets | 86.6492% | 2,381 |
| Equity capital to assets | 13.1649% | 1,332 |
| Core capital (leverage) ratio | 13.1280% | 1,113 |
| Tier 1 risk-based capital ratio | 21.3209% | 1,256 |
| Total risk-based capital ratio | 22.2648% | 1,291 |
| Memoranda: | ||
| Average total assets | $587,506,000 | 1,202 |
| Average earning assets | $565,129,500 | 1,147 |
| Average equity | $76,970,000 | 1,037 |
| Average total loans | $369,176,000 | 1,272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 3,900 |
| Cost of funding earning assets | 0.1666% | 5,563 |
| Net interest margin | 3.6791% | 2,834 |
| Noninterest income to average assets | 1.0126% | 1,150 |
| Noninterest expense to average assets | 2.6679% | 3,700 |
| Loan and lease loss provision to assets | 0.0040% | 4,314 |
| Net operating income to assets | 1.8753% | 422 |
| Return on assets (ROA) | 1.8748% | 432 |
| Pretax return on assets | 1.8748% | 689 |
| Return on Equity (ROE) | 15.0152% | 683 |
| Retained earnings to average equity (ytd only) | 4.2633% | 2,945 |
| Net charge-offs to loans | 0.0822% | 2,658 |
| Credit loss provision to net charge-offs | 7.8947% | 3,840 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,249 |
| Efficiency ratio | 58.4950% | 5,088 |
| Assets per employee ($millions) | 3.7099% | 4,457 |
| Cash dividends to net income (ytd only)* | 71.6068% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,729 |
| Loan loss allowance to noncurrent loans | 57.1541% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7642% | 1,080 |
| Noncurrent loans to loans | 1.7092% | 1,323 |
| Net loans and leases to total assets | 62.6538% | 3,471 |
| Net loans and leases to deposits | 72.2578% | 3,687 |
| Net loans and leases to core deposits | 78.7930% | 3,465 |
| Total domestic deposits to total assets | 86.7087% | 2,270 |
| Equity capital to assets | 13.0371% | 1,328 |
| Core capital (leverage) ratio | 13.0538% | 1,135 |
| Tier 1 risk-based capital ratio | 20.9966% | 1,303 |
| Total risk-based capital ratio | 21.9918% | 1,316 |
| Memoranda: | ||
| Average total assets | $598,531,800 | 1,134 |
| Average earning assets | $575,002,200 | 1,081 |
| Average equity | $74,730,800 | 1,024 |
| Average total loans | $369,770,800 | 1,232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 3,979 |
| Cost of funding earning assets | 0.1666% | 5,659 |
| Net interest margin | 3.6689% | 2,890 |
| Noninterest income to average assets | 0.9146% | 1,412 |
| Noninterest expense to average assets | 2.6703% | 3,664 |
| Loan and lease loss provision to assets | 0.0038% | 4,181 |
| Net operating income to assets | 1.7641% | 563 |
| Return on assets (ROA) | 1.7641% | 578 |
| Pretax return on assets | 1.7641% | 967 |
| Return on Equity (ROE) | 14.2824% | 846 |
| Retained earnings to average equity (ytd only) | 2.7937% | 4,443 |
| Net charge-offs to loans | 0.0087% | 3,861 |
| Credit loss provision to net charge-offs | 70.8333% | 2,751 |
| Earnings coverage of net charge-offs (x) | 332.3666% | 223 |
| Efficiency ratio | 59.9870% | 4,893 |
| Assets per employee ($millions) | 3.5965% | 4,615 |
| Cash dividends to net income (ytd only)* | 80.4397% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 4,357 |
| Loan loss allowance to noncurrent loans | 66.2866% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 1,270 |
| Noncurrent loans to loans | 1.6209% | 1,523 |
| Net loans and leases to total assets | 61.1731% | 3,710 |
| Net loans and leases to deposits | 70.3635% | 3,938 |
| Net loans and leases to core deposits | 76.7710% | 3,714 |
| Total domestic deposits to total assets | 86.9387% | 2,075 |
| Equity capital to assets | 12.7884% | 1,572 |
| Core capital (leverage) ratio | 12.6266% | 1,351 |
| Tier 1 risk-based capital ratio | 20.8829% | 1,360 |
| Total risk-based capital ratio | 21.9711% | 1,367 |
| Memoranda: | ||
| Average total assets | $601,621,750 | 1,142 |
| Average earning assets | $577,786,500 | 1,089 |
| Average equity | $74,308,500 | 1,034 |
| Average total loans | $369,493,000 | 1,238 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 4,018 |
| Cost of funding earning assets | 0.1661% | 5,734 |
| Net interest margin | 3.6465% | 2,919 |
| Noninterest income to average assets | 0.8873% | 1,480 |
| Noninterest expense to average assets | 2.5984% | 3,911 |
| Loan and lease loss provision to assets | 0.0010% | 4,062 |
| Net operating income to assets | 1.7909% | 527 |
| Return on assets (ROA) | 1.7909% | 552 |
| Pretax return on assets | 1.7909% | 911 |
| Return on Equity (ROE) | 14.6663% | 792 |
| Retained earnings to average equity (ytd only) | 2.6995% | 4,342 |
| Net charge-offs to loans | -0.0016% | 4,572 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0059% | 5,110 |
| Assets per employee ($millions) | 3.6694% | 4,489 |
| Cash dividends to net income (ytd only)* | 81.5940% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,587 |
| Loan loss allowance to noncurrent loans | 70.2174% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 1,392 |
| Noncurrent loans to loans | 1.5007% | 1,773 |
| Net loans and leases to total assets | 61.3682% | 3,642 |
| Net loans and leases to deposits | 70.2301% | 3,905 |
| Net loans and leases to core deposits | 76.3485% | 3,730 |
| Total domestic deposits to total assets | 87.3817% | 1,974 |
| Equity capital to assets | 12.4329% | 1,691 |
| Core capital (leverage) ratio | 12.4160% | 1,422 |
| Tier 1 risk-based capital ratio | 19.9632% | 1,553 |
| Total risk-based capital ratio | 21.0153% | 1,563 |
| Memoranda: | ||
| Average total assets | $606,750,670 | 1,138 |
| Average earning assets | $582,866,670 | 1,084 |
| Average equity | $74,088,000 | 1,043 |
| Average total loans | $371,819,670 | 1,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,262 |
| Cost of funding earning assets | 0.1670% | 5,800 |
| Net interest margin | 3.5622% | 3,163 |
| Noninterest income to average assets | 0.8084% | 1,683 |
| Noninterest expense to average assets | 2.4914% | 4,289 |
| Loan and lease loss provision to assets | 0.0111% | 3,581 |
| Net operating income to assets | 1.7275% | 554 |
| Return on assets (ROA) | 1.7275% | 586 |
| Pretax return on assets | 1.7275% | 998 |
| Return on Equity (ROE) | 14.2743% | 826 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,741 |
| Net charge-offs to loans | -0.0129% | 4,839 |
| Credit loss provision to net charge-offs | -141.6667% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7125% | 5,257 |
| Assets per employee ($millions) | 3.6315% | 4,659 |
| Cash dividends to net income (ytd only)* | 47.1012% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,789 |
| Loan loss allowance to noncurrent loans | 72.2579% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 1,592 |
| Noncurrent loans to loans | 1.4469% | 1,971 |
| Net loans and leases to total assets | 61.3810% | 3,466 |
| Net loans and leases to deposits | 70.3261% | 3,720 |
| Net loans and leases to core deposits | 76.4458% | 3,544 |
| Total domestic deposits to total assets | 87.2805% | 2,223 |
| Equity capital to assets | 12.3194% | 1,810 |
| Core capital (leverage) ratio | 12.2956% | 1,465 |
| Tier 1 risk-based capital ratio | 19.9307% | 1,637 |
| Total risk-based capital ratio | 20.9819% | 1,644 |
| Memoranda: | ||
| Average total assets | $611,071,500 | 1,133 |
| Average earning assets | $586,938,000 | 1,083 |
| Average equity | $73,951,000 | 1,045 |
| Average total loans | $372,250,500 | 1,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 4,090 |
| Cost of funding earning assets | 0.1807% | 5,905 |
| Net interest margin | 3.7308% | 2,877 |
| Noninterest income to average assets | 1.1961% | 842 |
| Noninterest expense to average assets | 2.6139% | 4,166 |
| Loan and lease loss provision to assets | 0.0117% | 4,387 |
| Net operating income to assets | 2.1394% | 252 |
| Return on assets (ROA) | 2.1394% | 258 |
| Pretax return on assets | 2.1394% | 375 |
| Return on Equity (ROE) | 17.7393% | 424 |
| Retained earnings to average equity (ytd only) | 10.7954% | 401 |
| Net charge-offs to loans | 0.1535% | 2,503 |
| Credit loss provision to net charge-offs | 12.2340% | 4,074 |
| Earnings coverage of net charge-offs (x) | 22.4574% | 1,626 |
| Efficiency ratio | 54.3679% | 5,810 |
| Assets per employee ($millions) | 3.8967% | 4,172 |
| Cash dividends to net income (ytd only)* | 39.1442% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 4,765 |
| Loan loss allowance to noncurrent loans | 78.1851% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5284% | 1,779 |
| Noncurrent loans to loans | 1.3554% | 2,171 |
| Net loans and leases to total assets | 59.1885% | 3,898 |
| Net loans and leases to deposits | 67.3651% | 4,186 |
| Net loans and leases to core deposits | 73.2358% | 3,998 |
| Total domestic deposits to total assets | 87.8623% | 1,842 |
| Equity capital to assets | 11.8876% | 2,097 |
| Core capital (leverage) ratio | 11.9633% | 1,648 |
| Tier 1 risk-based capital ratio | 19.6364% | 1,674 |
| Total risk-based capital ratio | 20.6887% | 1,708 |
| Memoranda: | ||
| Average total assets | $588,812,600 | 1,125 |
| Average earning assets | $563,262,400 | 1,079 |
| Average equity | $71,011,800 | 1,036 |
| Average total loans | $367,475,600 | 1,204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,981 |
| Cost of funding earning assets | 0.1838% | 5,966 |
| Net interest margin | 3.7638% | 2,763 |
| Noninterest income to average assets | 1.1934% | 843 |
| Noninterest expense to average assets | 2.7234% | 3,737 |
| Loan and lease loss provision to assets | 0.0124% | 4,169 |
| Net operating income to assets | 2.0548% | 313 |
| Return on assets (ROA) | 2.0548% | 326 |
| Pretax return on assets | 2.0548% | 505 |
| Return on Equity (ROE) | 16.9738% | 550 |
| Retained earnings to average equity (ytd only) | 9.9164% | 730 |
| Net charge-offs to loans | 0.1242% | 2,570 |
| Credit loss provision to net charge-offs | 15.7895% | 3,623 |
| Earnings coverage of net charge-offs (x) | 26.3888% | 1,485 |
| Efficiency ratio | 56.3567% | 5,625 |
| Assets per employee ($millions) | 3.8597% | 4,165 |
| Cash dividends to net income (ytd only)* | 41.5784% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 4,657 |
| Loan loss allowance to noncurrent loans | 76.6219% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 1,846 |
| Noncurrent loans to loans | 1.4616% | 2,229 |
| Net loans and leases to total assets | 59.8846% | 3,809 |
| Net loans and leases to deposits | 68.4157% | 4,087 |
| Net loans and leases to core deposits | 74.4797% | 3,898 |
| Total domestic deposits to total assets | 87.5306% | 2,019 |
| Equity capital to assets | 12.0714% | 1,997 |
| Core capital (leverage) ratio | 12.2211% | 1,564 |
| Tier 1 risk-based capital ratio | 19.7630% | 1,723 |
| Total risk-based capital ratio | 20.8781% | 1,721 |
| Memoranda: | ||
| Average total assets | $582,097,000 | 1,146 |
| Average earning assets | $556,342,250 | 1,098 |
| Average equity | $70,467,500 | 1,042 |
| Average total loans | $367,266,500 | 1,207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,826 |
| Cost of funding earning assets | 0.1876% | 6,019 |
| Net interest margin | 3.7903% | 2,602 |
| Noninterest income to average assets | 1.1367% | 913 |
| Noninterest expense to average assets | 2.7680% | 3,620 |
| Loan and lease loss provision to assets | 0.0115% | 4,018 |
| Net operating income to assets | 1.9744% | 354 |
| Return on assets (ROA) | 1.9744% | 368 |
| Pretax return on assets | 1.9744% | 589 |
| Return on Equity (ROE) | 16.2936% | 626 |
| Retained earnings to average equity (ytd only) | 9.1472% | 939 |
| Net charge-offs to loans | 0.1274% | 2,392 |
| Credit loss provision to net charge-offs | 14.1026% | 3,267 |
| Earnings coverage of net charge-offs (x) | 24.3632% | 1,436 |
| Efficiency ratio | 57.7270% | 5,589 |
| Assets per employee ($millions) | 3.7664% | 4,320 |
| Cash dividends to net income (ytd only)* | 43.8603% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,704 |
| Loan loss allowance to noncurrent loans | 73.0040% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.1944% | 1,389 |
| Noncurrent loans to loans | 1.5642% | 2,214 |
| Net loans and leases to total assets | 62.2379% | 3,364 |
| Net loans and leases to deposits | 71.2090% | 3,679 |
| Net loans and leases to core deposits | 77.9508% | 3,446 |
| Total domestic deposits to total assets | 87.4017% | 2,246 |
| Equity capital to assets | 12.1865% | 1,859 |
| Core capital (leverage) ratio | 12.3714% | 1,463 |
| Tier 1 risk-based capital ratio | 19.4646% | 1,805 |
| Total risk-based capital ratio | 20.6194% | 1,800 |
| Memoranda: | ||
| Average total assets | $574,136,000 | 1,151 |
| Average earning assets | $547,929,330 | 1,113 |
| Average equity | $69,573,330 | 1,049 |
| Average total loans | $367,355,670 | 1,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,704 |
| Cost of funding earning assets | 0.1914% | 6,069 |
| Net interest margin | 3.8042% | 2,459 |
| Noninterest income to average assets | 1.1495% | 841 |
| Noninterest expense to average assets | 2.6861% | 3,980 |
| Loan and lease loss provision to assets | 0.0155% | 3,626 |
| Net operating income to assets | 2.0797% | 291 |
| Return on assets (ROA) | 2.0797% | 303 |
| Pretax return on assets | 2.0797% | 444 |
| Return on Equity (ROE) | 17.2123% | 514 |
| Retained earnings to average equity (ytd only) | 9.9843% | 966 |
| Net charge-offs to loans | -0.0349% | 5,648 |
| Credit loss provision to net charge-offs | -68.7500% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6796% | 5,866 |
| Assets per employee ($millions) | 3.6047% | 4,707 |
| Cash dividends to net income (ytd only)* | 41.9932% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,640 |
| Loan loss allowance to noncurrent loans | 64.2847% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 1,404 |
| Noncurrent loans to loans | 1.8657% | 2,046 |
| Net loans and leases to total assets | 64.0012% | 2,891 |
| Net loans and leases to deposits | 73.1068% | 3,188 |
| Net loans and leases to core deposits | 79.9422% | 2,972 |
| Total domestic deposits to total assets | 87.5449% | 2,484 |
| Equity capital to assets | 12.1509% | 1,773 |
| Core capital (leverage) ratio | 12.3473% | 1,452 |
| Tier 1 risk-based capital ratio | 18.8633% | 2,009 |
| Total risk-based capital ratio | 20.0763% | 1,979 |
| Memoranda: | ||
| Average total assets | $569,306,500 | 1,167 |
| Average earning assets | $543,506,500 | 1,125 |
| Average equity | $68,788,000 | 1,059 |
| Average total loans | $367,264,000 | 1,205 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 3,309 |
| Cost of funding earning assets | 0.2310% | 6,085 |
| Net interest margin | 3.9801% | 2,005 |
| Noninterest income to average assets | 0.9570% | 1,506 |
| Noninterest expense to average assets | 2.8163% | 3,671 |
| Loan and lease loss provision to assets | 0.0006% | 5,083 |
| Net operating income to assets | 1.9319% | 378 |
| Return on assets (ROA) | 1.9319% | 379 |
| Pretax return on assets | 1.9319% | 564 |
| Return on Equity (ROE) | 16.1172% | 610 |
| Retained earnings to average equity (ytd only) | 7.8409% | 1,109 |
| Net charge-offs to loans | 0.4083% | 1,651 |
| Credit loss provision to net charge-offs | 0.2082% | 4,703 |
| Earnings coverage of net charge-offs (x) | 7.2998% | 2,873 |
| Efficiency ratio | 58.7760% | 5,639 |
| Assets per employee ($millions) | 3.6718% | 4,546 |
| Cash dividends to net income (ytd only)* | 51.3503% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,604 |
| Loan loss allowance to noncurrent loans | 58.2109% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 1,560 |
| Noncurrent loans to loans | 2.0804% | 1,905 |
| Net loans and leases to total assets | 63.4618% | 3,136 |
| Net loans and leases to deposits | 72.3674% | 3,477 |
| Net loans and leases to core deposits | 79.1786% | 3,219 |
| Total domestic deposits to total assets | 87.6939% | 2,367 |
| Equity capital to assets | 12.0138% | 1,796 |
| Core capital (leverage) ratio | 11.9510% | 1,643 |
| Tier 1 risk-based capital ratio | 18.6763% | 2,020 |
| Total risk-based capital ratio | 19.8954% | 1,997 |
| Memoranda: | ||
| Average total assets | $544,330,400 | 1,220 |
| Average earning assets | $518,580,600 | 1,171 |
| Average equity | $65,247,200 | 1,097 |
| Average total loans | $352,964,600 | 1,213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 3,185 |
| Cost of funding earning assets | 0.2388% | 6,165 |
| Net interest margin | 4.0148% | 1,897 |
| Noninterest income to average assets | 0.9582% | 1,586 |
| Noninterest expense to average assets | 2.8138% | 3,607 |
| Loan and lease loss provision to assets | 0.0052% | 4,866 |
| Net operating income to assets | 1.9612% | 388 |
| Return on assets (ROA) | 1.9612% | 403 |
| Pretax return on assets | 1.9612% | 629 |
| Return on Equity (ROE) | 16.3711% | 596 |
| Retained earnings to average equity (ytd only) | 8.6986% | 1,161 |
| Net charge-offs to loans | 0.4916% | 1,306 |
| Credit loss provision to net charge-offs | 1.6254% | 4,323 |
| Earnings coverage of net charge-offs (x) | 6.1533% | 3,033 |
| Efficiency ratio | 58.3307% | 5,647 |
| Assets per employee ($millions) | 3.6756% | 4,496 |
| Cash dividends to net income (ytd only)* | 46.8659% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,507 |
| Loan loss allowance to noncurrent loans | 58.7819% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.2894% | 1,721 |
| Noncurrent loans to loans | 2.1747% | 2,036 |
| Net loans and leases to total assets | 62.6884% | 3,222 |
| Net loans and leases to deposits | 71.2768% | 3,602 |
| Net loans and leases to core deposits | 77.8954% | 3,377 |
| Total domestic deposits to total assets | 87.9507% | 2,161 |
| Equity capital to assets | 11.8895% | 1,989 |
| Core capital (leverage) ratio | 12.1293% | 1,599 |
| Tier 1 risk-based capital ratio | 18.7698% | 2,055 |
| Total risk-based capital ratio | 20.0114% | 2,031 |
| Memoranda: | ||
| Average total assets | $539,048,000 | 1,248 |
| Average earning assets | $513,148,750 | 1,195 |
| Average equity | $64,575,750 | 1,120 |
| Average total loans | $350,393,250 | 1,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,379 |
| Cost of funding earning assets | 0.2487% | 6,180 |
| Net interest margin | 3.9489% | 2,049 |
| Noninterest income to average assets | 0.9536% | 1,643 |
| Noninterest expense to average assets | 2.9021% | 3,326 |
| Loan and lease loss provision to assets | -0.0030% | 6,565 |
| Net operating income to assets | 1.8089% | 509 |
| Return on assets (ROA) | 1.8089% | 548 |
| Pretax return on assets | 1.8089% | 909 |
| Return on Equity (ROE) | 15.0595% | 801 |
| Retained earnings to average equity (ytd only) | 6.7980% | 1,985 |
| Net charge-offs to loans | 0.1741% | 2,727 |
| Credit loss provision to net charge-offs | -2.6403% | 5,429 |
| Earnings coverage of net charge-offs (x) | 15.8317% | 1,707 |
| Efficiency ratio | 61.0907% | 5,311 |
| Assets per employee ($millions) | 3.4563% | 4,944 |
| Cash dividends to net income (ytd only)* | 54.8595% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 3,357 |
| Loan loss allowance to noncurrent loans | 40.0101% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 3.4770% | 1,110 |
| Noncurrent loans to loans | 3.8781% | 1,027 |
| Net loans and leases to total assets | 65.8600% | 2,619 |
| Net loans and leases to deposits | 75.1498% | 3,000 |
| Net loans and leases to core deposits | 82.7686% | 2,720 |
| Total domestic deposits to total assets | 87.6382% | 2,472 |
| Equity capital to assets | 12.1707% | 1,791 |
| Core capital (leverage) ratio | 12.0398% | 1,590 |
| Tier 1 risk-based capital ratio | 18.3810% | 2,183 |
| Total risk-based capital ratio | 19.6261% | 2,147 |
| Memoranda: | ||
| Average total assets | $531,273,330 | 1,259 |
| Average earning assets | $505,106,000 | 1,219 |
| Average equity | $63,813,330 | 1,144 |
| Average total loans | $348,155,330 | 1,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,431 |
| Cost of funding earning assets | 0.2546% | 6,261 |
| Net interest margin | 3.9133% | 2,073 |
| Noninterest income to average assets | 0.9307% | 1,657 |
| Noninterest expense to average assets | 2.9391% | 3,195 |
| Loan and lease loss provision to assets | -0.0128% | 6,741 |
| Net operating income to assets | 1.7220% | 554 |
| Return on assets (ROA) | 1.7220% | 613 |
| Pretax return on assets | 1.7220% | 1,026 |
| Return on Equity (ROE) | 14.4325% | 875 |
| Retained earnings to average equity (ytd only) | 4.1813% | 3,714 |
| Net charge-offs to loans | 0.2382% | 2,019 |
| Credit loss provision to net charge-offs | -8.2927% | 4,959 |
| Earnings coverage of net charge-offs (x) | 11.0634% | 1,683 |
| Efficiency ratio | 62.6783% | 5,207 |
| Assets per employee ($millions) | 3.4612% | 5,063 |
| Cash dividends to net income (ytd only)* | 71.0284% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,366 |
| Loan loss allowance to noncurrent loans | 43.7568% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 3.4524% | 1,234 |
| Noncurrent loans to loans | 3.6788% | 1,285 |
| Net loans and leases to total assets | 64.7966% | 2,572 |
| Net loans and leases to deposits | 73.7720% | 2,949 |
| Net loans and leases to core deposits | 81.1258% | 2,675 |
| Total domestic deposits to total assets | 87.8336% | 2,429 |
| Equity capital to assets | 12.0204% | 2,023 |
| Core capital (leverage) ratio | 11.9884% | 1,571 |
| Tier 1 risk-based capital ratio | 18.0892% | 2,323 |
| Total risk-based capital ratio | 19.3438% | 2,288 |
| Memoranda: | ||
| Average total assets | $530,775,000 | 1,275 |
| Average earning assets | $504,228,000 | 1,232 |
| Average equity | $63,329,500 | 1,170 |
| Average total loans | $344,194,000 | 1,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 4,184 |
| Cost of funding earning assets | 0.3478% | 6,230 |
| Net interest margin | 3.9533% | 2,590 |
| Noninterest income to average assets | 0.9388% | 1,745 |
| Noninterest expense to average assets | 2.7648% | 4,161 |
| Loan and lease loss provision to assets | 0.3677% | 1,783 |
| Net operating income to assets | 1.5500% | 831 |
| Return on assets (ROA) | 1.5500% | 910 |
| Pretax return on assets | 1.5500% | 1,518 |
| Return on Equity (ROE) | 13.3406% | 1,144 |
| Retained earnings to average equity (ytd only) | 7.6178% | 1,271 |
| Net charge-offs to loans | 0.2190% | 3,635 |
| Credit loss provision to net charge-offs | 257.9730% | 931 |
| Earnings coverage of net charge-offs (x) | 13.4541% | 1,824 |
| Efficiency ratio | 58.4698% | 5,766 |
| Assets per employee ($millions) | 3.4544% | 5,100 |
| Cash dividends to net income (ytd only)* | 42.8980% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 2,867 |
| Loan loss allowance to noncurrent loans | 43.9425% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 3.5524% | 1,266 |
| Noncurrent loans to loans | 3.9104% | 1,227 |
| Net loans and leases to total assets | 62.7457% | 3,108 |
| Net loans and leases to deposits | 71.2713% | 3,526 |
| Net loans and leases to core deposits | 78.3024% | 3,218 |
| Total domestic deposits to total assets | 88.0378% | 2,215 |
| Equity capital to assets | 11.8430% | 2,148 |
| Core capital (leverage) ratio | 11.5291% | 1,858 |
| Tier 1 risk-based capital ratio | 18.1536% | 2,203 |
| Total risk-based capital ratio | 19.4093% | 2,168 |
| Memoranda: | ||
| Average total assets | $519,175,800 | 1,285 |
| Average earning assets | $491,641,400 | 1,238 |
| Average equity | $60,319,600 | 1,183 |
| Average total loans | $337,903,000 | 1,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 4,296 |
| Cost of funding earning assets | 0.3662% | 6,294 |
| Net interest margin | 3.9729% | 2,611 |
| Noninterest income to average assets | 0.9370% | 1,716 |
| Noninterest expense to average assets | 2.8600% | 3,746 |
| Loan and lease loss provision to assets | 0.3695% | 1,758 |
| Net operating income to assets | 1.4672% | 1,080 |
| Return on assets (ROA) | 1.4672% | 1,209 |
| Pretax return on assets | 1.4672% | 2,016 |
| Return on Equity (ROE) | 12.6918% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.8734% | 2,195 |
| Net charge-offs to loans | 0.1248% | 4,128 |
| Credit loss provision to net charge-offs | 452.5316% | 590 |
| Earnings coverage of net charge-offs (x) | 22.4938% | 1,353 |
| Efficiency ratio | 60.3213% | 5,446 |
| Assets per employee ($millions) | 3.5241% | 4,922 |
| Cash dividends to net income (ytd only)* | 45.8436% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,244 |
| Loan loss allowance to noncurrent loans | 40.6140% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 3.4444% | 1,461 |
| Noncurrent loans to loans | 4.1194% | 1,221 |
| Net loans and leases to total assets | 63.0115% | 3,203 |
| Net loans and leases to deposits | 71.2842% | 3,708 |
| Net loans and leases to core deposits | 80.3325% | 3,163 |
| Total domestic deposits to total assets | 88.3948% | 1,793 |
| Equity capital to assets | 11.3930% | 2,856 |
| Core capital (leverage) ratio | 11.3573% | 2,088 |
| Tier 1 risk-based capital ratio | 18.2024% | 2,264 |
| Total risk-based capital ratio | 19.4583% | 2,241 |
| Memoranda: | ||
| Average total assets | $515,973,750 | 1,311 |
| Average earning assets | $488,290,500 | 1,261 |
| Average equity | $59,648,750 | 1,198 |
| Average total loans | $337,470,500 | 1,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 4,272 |
| Cost of funding earning assets | 0.3872% | 6,346 |
| Net interest margin | 3.9899% | 2,549 |
| Noninterest income to average assets | 0.9362% | 1,657 |
| Noninterest expense to average assets | 2.9597% | 3,411 |
| Loan and lease loss provision to assets | 0.3746% | 1,745 |
| Net operating income to assets | 1.3694% | 1,256 |
| Return on assets (ROA) | 1.3694% | 1,419 |
| Pretax return on assets | 1.3694% | 2,323 |
| Return on Equity (ROE) | 11.7856% | 1,734 |
| Retained earnings to average equity (ytd only) | 5.9402% | 2,747 |
| Net charge-offs to loans | 0.0651% | 4,524 |
| Credit loss provision to net charge-offs | 873.3945% | 373 |
| Earnings coverage of net charge-offs (x) | 40.6606% | 860 |
| Efficiency ratio | 62.3442% | 5,192 |
| Assets per employee ($millions) | 3.4296% | 5,143 |
| Cash dividends to net income (ytd only)* | 49.5977% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,502 |
| Loan loss allowance to noncurrent loans | 37.3483% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 3.5888% | 1,471 |
| Noncurrent loans to loans | 4.3621% | 1,228 |
| Net loans and leases to total assets | 62.9911% | 3,235 |
| Net loans and leases to deposits | 71.2149% | 3,736 |
| Net loans and leases to core deposits | 78.6810% | 3,418 |
| Total domestic deposits to total assets | 88.4521% | 1,853 |
| Equity capital to assets | 11.3593% | 2,729 |
| Core capital (leverage) ratio | 11.2742% | 2,065 |
| Tier 1 risk-based capital ratio | 17.5525% | 2,457 |
| Total risk-based capital ratio | 18.8071% | 2,421 |
| Memoranda: | ||
| Average total assets | $508,235,330 | 1,334 |
| Average earning assets | $479,917,330 | 1,291 |
| Average equity | $59,055,000 | 1,206 |
| Average total loans | $334,783,330 | 1,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 4,310 |
| Cost of funding earning assets | 0.4186% | 6,321 |
| Net interest margin | 3.9869% | 2,563 |
| Noninterest income to average assets | 0.9392% | 1,598 |
| Noninterest expense to average assets | 2.9703% | 3,386 |
| Loan and lease loss provision to assets | 0.3821% | 1,648 |
| Net operating income to assets | 1.3406% | 1,346 |
| Return on assets (ROA) | 1.3406% | 1,506 |
| Pretax return on assets | 1.3406% | 2,389 |
| Return on Equity (ROE) | 11.4023% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.5100% | 3,250 |
| Net charge-offs to loans | 0.0889% | 3,627 |
| Credit loss provision to net charge-offs | 643.2432% | 532 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 947 |
| Efficiency ratio | 62.6924% | 5,152 |
| Assets per employee ($millions) | 3.1904% | 5,791 |
| Cash dividends to net income (ytd only)* | 51.6766% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 4,032 |
| Loan loss allowance to noncurrent loans | 36.5966% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 3.7996% | 1,470 |
| Noncurrent loans to loans | 4.1736% | 1,447 |
| Net loans and leases to total assets | 64.4236% | 2,781 |
| Net loans and leases to deposits | 73.0009% | 3,272 |
| Net loans and leases to core deposits | 82.9480% | 2,697 |
| Total domestic deposits to total assets | 88.2504% | 2,161 |
| Equity capital to assets | 11.6214% | 2,329 |
| Core capital (leverage) ratio | 11.7984% | 1,712 |
| Tier 1 risk-based capital ratio | 17.6374% | 2,430 |
| Total risk-based capital ratio | 18.8909% | 2,399 |
| Memoranda: | ||
| Average total assets | $498,270,500 | 1,360 |
| Average earning assets | $469,137,500 | 1,326 |
| Average equity | $58,584,500 | 1,214 |
| Average total loans | $333,071,500 | 1,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 5,134 |
| Cost of funding earning assets | 0.5963% | 6,104 |
| Net interest margin | 3.8903% | 3,379 |
| Noninterest income to average assets | 0.8474% | 1,855 |
| Noninterest expense to average assets | 2.8092% | 4,317 |
| Loan and lease loss provision to assets | 0.4946% | 2,129 |
| Net operating income to assets | 1.2007% | 1,509 |
| Return on assets (ROA) | 1.2007% | 1,618 |
| Pretax return on assets | 1.2007% | 2,453 |
| Return on Equity (ROE) | 10.8848% | 1,730 |
| Retained earnings to average equity (ytd only) | 4.6952% | 2,857 |
| Net charge-offs to loans | 0.4105% | 3,372 |
| Credit loss provision to net charge-offs | 181.1119% | 1,432 |
| Earnings coverage of net charge-offs (x) | 6.2081% | 2,563 |
| Efficiency ratio | 61.7638% | 5,493 |
| Assets per employee ($millions) | 3.2189% | 5,673 |
| Cash dividends to net income (ytd only)* | 56.8650% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,479 |
| Loan loss allowance to noncurrent loans | 31.0657% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 4.4219% | 1,248 |
| Noncurrent loans to loans | 4.4942% | 1,327 |
| Net loans and leases to total assets | 67.3666% | 2,510 |
| Net loans and leases to deposits | 76.5568% | 3,079 |
| Net loans and leases to core deposits | 87.4625% | 2,441 |
| Total domestic deposits to total assets | 87.9956% | 2,157 |
| Equity capital to assets | 11.8987% | 2,199 |
| Core capital (leverage) ratio | 11.2354% | 2,097 |
| Tier 1 risk-based capital ratio | 17.1946% | 2,515 |
| Total risk-based capital ratio | 18.4466% | 2,476 |
| Memoranda: | ||
| Average total assets | $513,784,600 | 1,302 |
| Average earning assets | $482,964,800 | 1,265 |
| Average equity | $56,675,400 | 1,197 |
| Average total loans | $341,817,600 | 1,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 5,382 |
| Cost of funding earning assets | 0.6258% | 6,147 |
| Net interest margin | 3.8355% | 3,693 |
| Noninterest income to average assets | 0.8296% | 1,931 |
| Noninterest expense to average assets | 2.9166% | 3,858 |
| Loan and lease loss provision to assets | 0.3636% | 2,687 |
| Net operating income to assets | 1.1563% | 1,793 |
| Return on assets (ROA) | 1.1563% | 1,910 |
| Pretax return on assets | 1.1563% | 2,802 |
| Return on Equity (ROE) | 10.6801% | 1,959 |
| Retained earnings to average equity (ytd only) | 4.4483% | 3,557 |
| Net charge-offs to loans | 0.3848% | 3,196 |
| Credit loss provision to net charge-offs | 142.9435% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.9748% | 2,653 |
| Efficiency ratio | 65.1387% | 4,868 |
| Assets per employee ($millions) | 3.4467% | 5,127 |
| Cash dividends to net income (ytd only)* | 58.3499% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,575 |
| Loan loss allowance to noncurrent loans | 29.8889% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 3.5621% | 1,765 |
| Noncurrent loans to loans | 3.9247% | 1,688 |
| Net loans and leases to total assets | 61.9534% | 3,735 |
| Net loans and leases to deposits | 69.5071% | 4,382 |
| Net loans and leases to core deposits | 78.4604% | 3,835 |
| Total domestic deposits to total assets | 89.1324% | 1,347 |
| Equity capital to assets | 10.6422% | 3,525 |
| Core capital (leverage) ratio | 10.5156% | 2,848 |
| Tier 1 risk-based capital ratio | 16.3198% | 2,958 |
| Total risk-based capital ratio | 17.4673% | 2,971 |
| Memoranda: | ||
| Average total assets | $519,912,750 | 1,292 |
| Average earning assets | $488,930,750 | 1,249 |
| Average equity | $56,290,000 | 1,205 |
| Average total loans | $343,703,750 | 1,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 5,295 |
| Cost of funding earning assets | 0.6582% | 6,183 |
| Net interest margin | 3.8615% | 3,479 |
| Noninterest income to average assets | 0.8241% | 1,913 |
| Noninterest expense to average assets | 2.9584% | 3,798 |
| Loan and lease loss provision to assets | 0.3665% | 2,598 |
| Net operating income to assets | 1.1245% | 1,806 |
| Return on assets (ROA) | 1.1245% | 1,886 |
| Pretax return on assets | 1.1245% | 2,756 |
| Return on Equity (ROE) | 10.3252% | 2,005 |
| Retained earnings to average equity (ytd only) | 4.0586% | 3,618 |
| Net charge-offs to loans | 0.3012% | 3,365 |
| Credit loss provision to net charge-offs | 180.8061% | 1,667 |
| Earnings coverage of net charge-offs (x) | 7.3551% | 2,240 |
| Efficiency ratio | 65.8854% | 4,895 |
| Assets per employee ($millions) | 3.3592% | 5,307 |
| Cash dividends to net income (ytd only)* | 60.6920% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,757 |
| Loan loss allowance to noncurrent loans | 28.7398% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 3.5468% | 1,847 |
| Noncurrent loans to loans | 4.0070% | 1,727 |
| Net loans and leases to total assets | 63.8812% | 3,492 |
| Net loans and leases to deposits | 71.6574% | 4,170 |
| Net loans and leases to core deposits | 81.1316% | 3,632 |
| Total domestic deposits to total assets | 89.1481% | 1,447 |
| Equity capital to assets | 10.6515% | 3,333 |
| Core capital (leverage) ratio | 10.5121% | 2,698 |
| Tier 1 risk-based capital ratio | 15.9756% | 2,985 |
| Total risk-based capital ratio | 17.1134% | 3,024 |
| Memoranda: | ||
| Average total assets | $513,987,000 | 1,311 |
| Average earning assets | $482,557,330 | 1,270 |
| Average equity | $55,979,330 | 1,197 |
| Average total loans | $345,914,670 | 1,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 4,887 |
| Cost of funding earning assets | 0.6852% | 6,221 |
| Net interest margin | 3.9288% | 3,005 |
| Noninterest income to average assets | 0.8062% | 2,008 |
| Noninterest expense to average assets | 3.0411% | 3,481 |
| Loan and lease loss provision to assets | 0.3679% | 2,358 |
| Net operating income to assets | 1.0759% | 1,928 |
| Return on assets (ROA) | 1.0759% | 1,976 |
| Pretax return on assets | 1.0759% | 2,847 |
| Return on Equity (ROE) | 9.7662% | 2,183 |
| Retained earnings to average equity (ytd only) | 3.4684% | 4,109 |
| Net charge-offs to loans | 0.3788% | 2,552 |
| Credit loss provision to net charge-offs | 141.3374% | 1,991 |
| Earnings coverage of net charge-offs (x) | 5.5471% | 2,263 |
| Efficiency ratio | 67.2076% | 4,812 |
| Assets per employee ($millions) | 3.3167% | 5,436 |
| Cash dividends to net income (ytd only)* | 64.4853% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 6,189 |
| Loan loss allowance to noncurrent loans | 29.1614% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 3.6026% | 1,891 |
| Noncurrent loans to loans | 3.6318% | 2,044 |
| Net loans and leases to total assets | 65.3364% | 3,165 |
| Net loans and leases to deposits | 73.2678% | 3,879 |
| Net loans and leases to core deposits | 83.5953% | 3,221 |
| Total domestic deposits to total assets | 89.1748% | 1,661 |
| Equity capital to assets | 10.6720% | 3,014 |
| Core capital (leverage) ratio | 10.5153% | 2,596 |
| Tier 1 risk-based capital ratio | 15.6274% | 3,087 |
| Total risk-based capital ratio | 16.6730% | 3,153 |
| Memoranda: | ||
| Average total assets | $505,603,500 | 1,334 |
| Average earning assets | $473,430,000 | 1,304 |
| Average equity | $55,702,500 | 1,186 |
| Average total loans | $347,371,000 | 1,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 3,926 |
| Cost of funding earning assets | 0.8032% | 6,550 |
| Net interest margin | 4.3317% | 1,706 |
| Noninterest income to average assets | 0.9446% | 1,684 |
| Noninterest expense to average assets | 3.0254% | 3,751 |
| Loan and lease loss provision to assets | 0.5325% | 3,022 |
| Net operating income to assets | 1.4329% | 884 |
| Return on assets (ROA) | 1.4363% | 944 |
| Pretax return on assets | 1.4363% | 1,546 |
| Return on Equity (ROE) | 12.8492% | 1,125 |
| Retained earnings to average equity (ytd only) | 6.6485% | 1,481 |
| Net charge-offs to loans | 0.5197% | 3,545 |
| Credit loss provision to net charge-offs | 140.1207% | 2,696 |
| Earnings coverage of net charge-offs (x) | 5.1718% | 2,697 |
| Efficiency ratio | 60.0384% | 6,041 |
| Assets per employee ($millions) | 3.1841% | 5,707 |
| Cash dividends to net income (ytd only)* | 48.2573% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,327 |
| Loan loss allowance to noncurrent loans | 26.3712% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 4.1157% | 1,641 |
| Noncurrent loans to loans | 3.8378% | 1,918 |
| Net loans and leases to total assets | 70.8504% | 2,342 |
| Net loans and leases to deposits | 80.1765% | 3,142 |
| Net loans and leases to core deposits | 91.8442% | 2,521 |
| Total domestic deposits to total assets | 88.3679% | 2,029 |
| Equity capital to assets | 11.3882% | 2,347 |
| Core capital (leverage) ratio | 11.0229% | 2,142 |
| Tier 1 risk-based capital ratio | 15.6528% | 2,927 |
| Total risk-based capital ratio | 16.6709% | 2,995 |
| Memoranda: | ||
| Average total assets | $479,438,000 | 1,400 |
| Average earning assets | $447,839,800 | 1,365 |
| Average equity | $53,590,800 | 1,247 |
| Average total loans | $350,558,000 | 1,281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 3,814 |
| Cost of funding earning assets | 0.8153% | 6,713 |
| Net interest margin | 4.3874% | 1,559 |
| Noninterest income to average assets | 0.9633% | 1,571 |
| Noninterest expense to average assets | 3.1139% | 3,277 |
| Loan and lease loss provision to assets | 0.5263% | 2,828 |
| Net operating income to assets | 1.4221% | 1,068 |
| Return on assets (ROA) | 1.4265% | 1,129 |
| Pretax return on assets | 1.4265% | 1,804 |
| Return on Equity (ROE) | 12.8238% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.5688% | 2,057 |
| Net charge-offs to loans | 0.5344% | 3,165 |
| Credit loss provision to net charge-offs | 133.9730% | 3,017 |
| Earnings coverage of net charge-offs (x) | 4.9595% | 2,884 |
| Efficiency ratio | 60.9377% | 5,806 |
| Assets per employee ($millions) | 3.0147% | 6,122 |
| Cash dividends to net income (ytd only)* | 48.7766% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 6,641 |
| Loan loss allowance to noncurrent loans | 27.7322% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 3.4029% | 2,089 |
| Noncurrent loans to loans | 3.3582% | 2,372 |
| Net loans and leases to total assets | 71.3571% | 2,392 |
| Net loans and leases to deposits | 80.6330% | 3,335 |
| Net loans and leases to core deposits | 92.3880% | 2,743 |
| Total domestic deposits to total assets | 88.4961% | 1,675 |
| Equity capital to assets | 11.1491% | 2,816 |
| Core capital (leverage) ratio | 10.8002% | 2,412 |
| Tier 1 risk-based capital ratio | 15.5401% | 2,975 |
| Total risk-based capital ratio | 16.4981% | 3,096 |
| Memoranda: | ||
| Average total assets | $477,507,000 | 1,419 |
| Average earning assets | $446,114,250 | 1,382 |
| Average equity | $53,118,750 | 1,264 |
| Average total loans | $351,026,250 | 1,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 3,559 |
| Cost of funding earning assets | 0.8164% | 6,859 |
| Net interest margin | 4.4642% | 1,278 |
| Noninterest income to average assets | 0.9678% | 1,465 |
| Noninterest expense to average assets | 3.1594% | 3,052 |
| Loan and lease loss provision to assets | 0.5541% | 2,559 |
| Net operating income to assets | 1.4198% | 1,059 |
| Return on assets (ROA) | 1.4265% | 1,116 |
| Pretax return on assets | 1.4265% | 1,762 |
| Return on Equity (ROE) | 12.8334% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.5230% | 2,064 |
| Net charge-offs to loans | 0.5582% | 2,860 |
| Credit loss provision to net charge-offs | 134.1164% | 2,997 |
| Earnings coverage of net charge-offs (x) | 4.7773% | 2,846 |
| Efficiency ratio | 60.9800% | 5,863 |
| Assets per employee ($millions) | 3.0843% | 5,964 |
| Cash dividends to net income (ytd only)* | 49.1716% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,828 |
| Loan loss allowance to noncurrent loans | 21.0018% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 1,931 |
| Noncurrent loans to loans | 4.1823% | 1,783 |
| Net loans and leases to total assets | 71.1770% | 2,618 |
| Net loans and leases to deposits | 80.0653% | 3,591 |
| Net loans and leases to core deposits | 92.7533% | 2,881 |
| Total domestic deposits to total assets | 88.8988% | 1,496 |
| Equity capital to assets | 10.7764% | 3,096 |
| Core capital (leverage) ratio | 10.4977% | 2,636 |
| Tier 1 risk-based capital ratio | 14.8753% | 3,223 |
| Total risk-based capital ratio | 15.7677% | 3,399 |
| Memoranda: | ||
| Average total assets | $473,882,000 | 1,440 |
| Average earning assets | $442,183,330 | 1,400 |
| Average equity | $52,675,000 | 1,263 |
| Average total loans | $350,778,000 | 1,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 3,341 |
| Cost of funding earning assets | 0.8290% | 7,005 |
| Net interest margin | 4.5116% | 1,116 |
| Noninterest income to average assets | 0.9495% | 1,455 |
| Noninterest expense to average assets | 3.2162% | 2,797 |
| Loan and lease loss provision to assets | 0.4065% | 2,928 |
| Net operating income to assets | 1.5203% | 867 |
| Return on assets (ROA) | 1.5203% | 928 |
| Pretax return on assets | 1.5203% | 1,468 |
| Return on Equity (ROE) | 13.4567% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.0958% | 2,091 |
| Net charge-offs to loans | 0.6462% | 2,210 |
| Credit loss provision to net charge-offs | 83.6299% | 3,794 |
| Earnings coverage of net charge-offs (x) | 3.9644% | 2,736 |
| Efficiency ratio | 61.9640% | 5,838 |
| Assets per employee ($millions) | 2.8934% | 6,452 |
| Cash dividends to net income (ytd only)* | 47.2696% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 7,176 |
| Loan loss allowance to noncurrent loans | 23.9511% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 3.0928% | 2,312 |
| Noncurrent loans to loans | 3.2529% | 2,454 |
| Net loans and leases to total assets | 73.5190% | 2,075 |
| Net loans and leases to deposits | 83.1034% | 3,091 |
| Net loans and leases to core deposits | 83.1034% | 4,325 |
| Total domestic deposits to total assets | 88.4669% | 1,815 |
| Equity capital to assets | 11.2424% | 2,543 |
| Core capital (leverage) ratio | 11.0760% | 2,185 |
| Tier 1 risk-based capital ratio | 15.1835% | 3,021 |
| Total risk-based capital ratio | 15.9832% | 3,201 |
| Memoranda: | ||
| Average total assets | $462,540,000 | 1,517 |
| Average earning assets | $429,917,500 | 1,485 |
| Average equity | $52,256,500 | 1,284 |
| Average total loans | $347,880,500 | 1,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8761% | 2,345 |
| Cost of funding earning assets | 1.0286% | 7,151 |
| Net interest margin | 4.8474% | 625 |
| Noninterest income to average assets | 0.9208% | 1,864 |
| Noninterest expense to average assets | 3.2930% | 3,029 |
| Loan and lease loss provision to assets | 0.6844% | 3,087 |
| Net operating income to assets | 1.4722% | 710 |
| Return on assets (ROA) | 1.4722% | 776 |
| Pretax return on assets | 1.4722% | 1,258 |
| Return on Equity (ROE) | 13.0858% | 941 |
| Retained earnings to average equity (ytd only) | 5.6054% | 1,522 |
| Net charge-offs to loans | 0.8039% | 2,814 |
| Credit loss provision to net charge-offs | 108.9940% | 5,070 |
| Earnings coverage of net charge-offs (x) | 3.4344% | 3,346 |
| Efficiency ratio | 59.8558% | 6,508 |
| Assets per employee ($millions) | 2.7826% | 6,687 |
| Cash dividends to net income (ytd only)* | 57.1645% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 7,122 |
| Loan loss allowance to noncurrent loans | 22.5656% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 3.4270% | 1,963 |
| Noncurrent loans to loans | 3.5572% | 2,135 |
| Net loans and leases to total assets | 75.7429% | 1,868 |
| Net loans and leases to deposits | 85.9222% | 2,926 |
| Net loans and leases to core deposits | 113.1021% | 2,588 |
| Total domestic deposits to total assets | 88.1528% | 1,900 |
| Equity capital to assets | 11.3546% | 2,429 |
| Core capital (leverage) ratio | 11.1785% | 2,124 |
| Tier 1 risk-based capital ratio | 14.7041% | 3,096 |
| Total risk-based capital ratio | 15.5198% | 3,286 |
| Memoranda: | ||
| Average total assets | $447,955,800 | 1,547 |
| Average earning assets | $418,510,600 | 1,512 |
| Average equity | $50,398,000 | 1,330 |
| Average total loans | $349,934,000 | 1,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9200% | 2,356 |
| Cost of funding earning assets | 1.0746% | 7,233 |
| Net interest margin | 4.8454% | 633 |
| Noninterest income to average assets | 0.8989% | 1,982 |
| Noninterest expense to average assets | 3.5392% | 2,172 |
| Loan and lease loss provision to assets | 0.2963% | 4,597 |
| Net operating income to assets | 1.6050% | 661 |
| Return on assets (ROA) | 1.6050% | 711 |
| Pretax return on assets | 1.6050% | 1,166 |
| Return on Equity (ROE) | 14.2992% | 878 |
| Retained earnings to average equity (ytd only) | 6.7646% | 1,605 |
| Net charge-offs to loans | 0.4860% | 3,282 |
| Credit loss provision to net charge-offs | 77.6038% | 5,819 |
| Earnings coverage of net charge-offs (x) | 4.9789% | 2,957 |
| Efficiency ratio | 64.4808% | 5,665 |
| Assets per employee ($millions) | 2.6931% | 6,869 |
| Cash dividends to net income (ytd only)* | 52.6924% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 7,511 |
| Loan loss allowance to noncurrent loans | 23.1103% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 2.8801% | 2,415 |
| Noncurrent loans to loans | 2.7528% | 2,757 |
| Net loans and leases to total assets | 78.6629% | 1,454 |
| Net loans and leases to deposits | 89.3648% | 2,706 |
| Net loans and leases to core deposits | 109.6368% | 3,276 |
| Total domestic deposits to total assets | 88.0245% | 1,640 |
| Equity capital to assets | 11.5470% | 2,548 |
| Core capital (leverage) ratio | 11.1683% | 2,289 |
| Tier 1 risk-based capital ratio | 14.3200% | 3,372 |
| Total risk-based capital ratio | 14.9635% | 3,653 |
| Memoranda: | ||
| Average total assets | $445,858,750 | 1,566 |
| Average earning assets | $417,895,000 | 1,529 |
| Average equity | $50,043,500 | 1,365 |
| Average total loans | $350,306,250 | 1,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 2,543 |
| Cost of funding earning assets | 1.1405% | 7,273 |
| Net interest margin | 4.7699% | 701 |
| Noninterest income to average assets | 0.8536% | 2,165 |
| Noninterest expense to average assets | 3.5021% | 2,331 |
| Loan and lease loss provision to assets | 0.2411% | 4,658 |
| Net operating income to assets | 1.5799% | 710 |
| Return on assets (ROA) | 1.5799% | 774 |
| Pretax return on assets | 1.5799% | 1,254 |
| Return on Equity (ROE) | 14.2116% | 955 |
| Retained earnings to average equity (ytd only) | 6.6141% | 1,736 |
| Net charge-offs to loans | 0.4088% | 3,156 |
| Credit loss provision to net charge-offs | 75.2448% | 5,314 |
| Earnings coverage of net charge-offs (x) | 5.6839% | 2,781 |
| Efficiency ratio | 65.2104% | 5,673 |
| Assets per employee ($millions) | 2.7538% | 6,729 |
| Cash dividends to net income (ytd only)* | 53.4600% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 7,506 |
| Loan loss allowance to noncurrent loans | 18.6545% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 3.0658% | 2,061 |
| Noncurrent loans to loans | 3.5586% | 1,969 |
| Net loans and leases to total assets | 79.4312% | 1,421 |
| Net loans and leases to deposits | 89.9299% | 2,844 |
| Net loans and leases to core deposits | 107.4814% | 3,666 |
| Total domestic deposits to total assets | 88.3257% | 1,612 |
| Equity capital to assets | 11.2912% | 2,686 |
| Core capital (leverage) ratio | 11.0147% | 2,387 |
| Tier 1 risk-based capital ratio | 13.7363% | 3,667 |
| Total risk-based capital ratio | 14.4019% | 3,958 |
| Memoranda: | ||
| Average total assets | $446,359,330 | 1,588 |
| Average earning assets | $418,251,670 | 1,548 |
| Average equity | $49,621,330 | 1,392 |
| Average total loans | $349,814,330 | 1,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 2,775 |
| Cost of funding earning assets | 1.2117% | 7,274 |
| Net interest margin | 4.6923% | 774 |
| Noninterest income to average assets | 0.9416% | 1,682 |
| Noninterest expense to average assets | 3.3013% | 2,651 |
| Loan and lease loss provision to assets | 0.2392% | 4,071 |
| Net operating income to assets | 1.7828% | 547 |
| Return on assets (ROA) | 1.7828% | 604 |
| Pretax return on assets | 1.7828% | 1,011 |
| Return on Equity (ROE) | 16.1636% | 795 |
| Retained earnings to average equity (ytd only) | 8.6666% | 1,576 |
| Net charge-offs to loans | 0.3037% | 2,893 |
| Credit loss provision to net charge-offs | 101.5209% | 3,679 |
| Earnings coverage of net charge-offs (x) | 8.5817% | 2,172 |
| Efficiency ratio | 61.4440% | 6,166 |
| Assets per employee ($millions) | 2.7326% | 6,798 |
| Cash dividends to net income (ytd only)* | 46.3819% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 7,378 |
| Loan loss allowance to noncurrent loans | 19.4106% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 3.1203% | 1,802 |
| Noncurrent loans to loans | 3.7258% | 1,668 |
| Net loans and leases to total assets | 77.1395% | 2,007 |
| Net loans and leases to deposits | 87.1632% | 3,441 |
| Net loans and leases to core deposits | 103.2676% | 4,221 |
| Total domestic deposits to total assets | 88.5001% | 1,488 |
| Equity capital to assets | 10.9722% | 2,988 |
| Core capital (leverage) ratio | 10.7396% | 2,708 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,402 |
| Total risk-based capital ratio | 15.1030% | 3,590 |
| Memoranda: | ||
| Average total assets | $446,485,000 | 1,590 |
| Average earning assets | $416,937,500 | 1,559 |
| Average equity | $49,246,500 | 1,402 |
| Average total loans | $346,363,000 | 1,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9443% | 1,268 |
| Cost of funding earning assets | 1.9401% | 6,613 |
| Net interest margin | 5.0042% | 501 |
| Noninterest income to average assets | 1.1539% | 1,158 |
| Noninterest expense to average assets | 3.2786% | 3,040 |
| Loan and lease loss provision to assets | 0.4038% | 3,264 |
| Net operating income to assets | 2.0826% | 300 |
| Return on assets (ROA) | 2.0931% | 280 |
| Pretax return on assets | 2.0978% | 485 |
| Return on Equity (ROE) | 18.2063% | 510 |
| Retained earnings to average equity (ytd only) | 10.3082% | 410 |
| Net charge-offs to loans | 0.5220% | 2,278 |
| Credit loss provision to net charge-offs | 99.1427% | 5,409 |
| Earnings coverage of net charge-offs (x) | 6.1170% | 3,436 |
| Efficiency ratio | 56.2846% | 6,968 |
| Assets per employee ($millions) | 2.6954% | 6,798 |
| Cash dividends to net income (ytd only)* | 43.3814% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 7,297 |
| Loan loss allowance to noncurrent loans | 60.0142% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 3,863 |
| Noncurrent loans to loans | 1.2458% | 4,021 |
| Net loans and leases to total assets | 76.8665% | 2,409 |
| Net loans and leases to deposits | 87.0832% | 3,932 |
| Net loans and leases to core deposits | 101.4214% | 4,678 |
| Total domestic deposits to total assets | 88.2679% | 1,356 |
| Equity capital to assets | 11.0894% | 2,968 |
| Core capital (leverage) ratio | 10.6968% | 2,827 |
| Tier 1 risk-based capital ratio | 14.0846% | 3,507 |
| Total risk-based capital ratio | 14.8445% | 3,674 |
| Memoranda: | ||
| Average total assets | $400,988,400 | 1,696 |
| Average earning assets | $369,871,400 | 1,684 |
| Average equity | $46,099,400 | 1,481 |
| Average total loans | $312,860,400 | 1,551 |