Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 2,128 |
| Cost of funding earning assets | 0.9744% | 3,360 |
| Net interest margin | 3.9977% | 1,212 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.6294% | 1,925 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4662% | 1,086 |
| Return on assets (ROA) | 1.4747% | 1,042 |
| Pretax return on assets | 1.7866% | 907 |
| Return on Equity (ROE) | 24.9700% | 313 |
| Retained earnings to average equity (ytd only) | 14.1990% | 383 |
| Net charge-offs to loans | 0.0417% | 1,483 |
| Credit loss provision to net charge-offs | 280.7018% | 998 |
| Earnings coverage of net charge-offs (x) | 76.2807% | 1,055 |
| Efficiency ratio | 58.6486% | 3,226 |
| Assets per employee ($millions) | 6.0218% | 2,802 |
| Cash dividends to net income (ytd only)* | 43.1448% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,210 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.2500% | 2,916 |
| Net loans and leases to deposits | 68.8433% | 2,967 |
| Net loans and leases to core deposits | 77.6597% | 2,867 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 6.6520% | 4,064 |
| Core capital (leverage) ratio | 9.6695% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3456% | 1,742 |
| Memoranda: | ||
| Average total assets | $707,279,800 | 1,298 |
| Average earning assets | $662,129,600 | 1,290 |
| Average equity | $41,763,600 | 1,823 |
| Average total loans | $410,108,200 | 1,447 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 2,084 |
| Cost of funding earning assets | 0.8553% | 3,386 |
| Net interest margin | 4.0339% | 1,169 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.5703% | 2,029 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4925% | 1,141 |
| Return on assets (ROA) | 1.5038% | 1,105 |
| Pretax return on assets | 1.8210% | 980 |
| Return on Equity (ROE) | 26.3100% | 340 |
| Retained earnings to average equity (ytd only) | 13.8468% | 693 |
| Net charge-offs to loans | 0.0405% | 1,310 |
| Credit loss provision to net charge-offs | 304.8780% | 876 |
| Earnings coverage of net charge-offs (x) | 80.7398% | 1,042 |
| Efficiency ratio | 57.6506% | 3,250 |
| Assets per employee ($millions) | 5.9935% | 2,766 |
| Cash dividends to net income (ytd only)* | 47.3777% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,216 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.6100% | 2,977 |
| Net loans and leases to deposits | 65.9063% | 3,134 |
| Net loans and leases to core deposits | 73.0231% | 3,054 |
| Total domestic deposits to total assets | 88.9300% | 1,281 |
| Equity capital to assets | 5.4247% | 4,161 |
| Core capital (leverage) ratio | 9.3052% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3852% | 1,452 |
| Memoranda: | ||
| Average total assets | $704,950,500 | 1,299 |
| Average earning assets | $660,049,250 | 1,288 |
| Average equity | $40,287,500 | 1,859 |
| Average total loans | $405,193,000 | 1,455 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 2,129 |
| Cost of funding earning assets | 0.7429% | 3,370 |
| Net interest margin | 3.9984% | 1,247 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.5436% | 2,086 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4931% | 1,112 |
| Return on assets (ROA) | 1.5098% | 1,081 |
| Pretax return on assets | 1.8254% | 963 |
| Return on Equity (ROE) | 25.9800% | 334 |
| Retained earnings to average equity (ytd only) | 15.3341% | 536 |
| Net charge-offs to loans | 0.0370% | 1,169 |
| Credit loss provision to net charge-offs | 371.6216% | 762 |
| Earnings coverage of net charge-offs (x) | 89.6081% | 992 |
| Efficiency ratio | 57.3298% | 3,273 |
| Assets per employee ($millions) | 5.8641% | 2,828 |
| Cash dividends to net income (ytd only)* | 40.9707% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,192 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.6400% | 3,075 |
| Net loans and leases to deposits | 63.7205% | 3,209 |
| Net loans and leases to core deposits | 70.2583% | 3,111 |
| Total domestic deposits to total assets | 88.8800% | 1,298 |
| Equity capital to assets | 5.8535% | 4,193 |
| Core capital (leverage) ratio | 9.4271% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1484% | 1,526 |
| Memoranda: | ||
| Average total assets | $704,189,333 | 1,293 |
| Average earning assets | $660,107,000 | 1,280 |
| Average equity | $40,928,333 | 1,847 |
| Average total loans | $400,361,000 | 1,456 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,959 |
| Cost of funding earning assets | 0.6529% | 3,209 |
| Net interest margin | 3.9998% | 1,265 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.5326% | 2,159 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5340% | 1,107 |
| Return on assets (ROA) | 1.5563% | 1,061 |
| Pretax return on assets | 1.8735% | 947 |
| Return on Equity (ROE) | 26.8700% | 329 |
| Retained earnings to average equity (ytd only) | 15.8995% | 701 |
| Net charge-offs to loans | 0.0364% | 1,007 |
| Credit loss provision to net charge-offs | 277.7778% | 719 |
| Earnings coverage of net charge-offs (x) | 92.3611% | 828 |
| Efficiency ratio | 56.9566% | 3,308 |
| Assets per employee ($millions) | 5.7977% | 2,941 |
| Cash dividends to net income (ytd only)* | 40.8389% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,335 |
| Loan loss allowance to noncurrent loans | 5,025.2525% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,711 |
| Noncurrent loans to loans | 0.0247% | 3,594 |
| Net loans and leases to total assets | 56.9800% | 2,959 |
| Net loans and leases to deposits | 62.3688% | 3,204 |
| Net loans and leases to core deposits | 67.9633% | 3,103 |
| Total domestic deposits to total assets | 91.3500% | 689 |
| Equity capital to assets | 5.9552% | 4,219 |
| Core capital (leverage) ratio | 9.0947% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8003% | 1,682 |
| Memoranda: | ||
| Average total assets | $698,572,000 | 1,317 |
| Average earning assets | $654,928,000 | 1,302 |
| Average equity | $40,454,000 | 1,880 |
| Average total loans | $395,394,500 | 1,484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 1,631 |
| Cost of funding earning assets | 0.2153% | 3,630 |
| Net interest margin | 3.8184% | 1,124 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.4827% | 2,170 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3755% | 1,193 |
| Return on assets (ROA) | 1.3746% | 1,153 |
| Pretax return on assets | 1.6561% | 1,024 |
| Return on Equity (ROE) | 22.0200% | 336 |
| Retained earnings to average equity (ytd only) | 14.4506% | 334 |
| Net charge-offs to loans | 0.0477% | 1,209 |
| Credit loss provision to net charge-offs | 529.4118% | 654 |
| Earnings coverage of net charge-offs (x) | 73.5882% | 1,133 |
| Efficiency ratio | 58.0343% | 3,338 |
| Assets per employee ($millions) | 5.8942% | 2,856 |
| Cash dividends to net income (ytd only)* | 34.3821% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,091 |
| Loan loss allowance to noncurrent loans | 789.5498% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 2,926 |
| Noncurrent loans to loans | 0.1597% | 2,697 |
| Net loans and leases to total assets | 54.8200% | 3,133 |
| Net loans and leases to deposits | 59.5070% | 3,360 |
| Net loans and leases to core deposits | 63.3905% | 3,303 |
| Total domestic deposits to total assets | 92.1200% | 609 |
| Equity capital to assets | 5.6281% | 4,200 |
| Core capital (leverage) ratio | 8.8646% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4397% | 1,800 |
| Memoranda: | ||
| Average total assets | $700,575,400 | 1,311 |
| Average earning assets | $660,401,000 | 1,291 |
| Average equity | $43,728,400 | 1,795 |
| Average total loans | $356,561,600 | 1,528 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 1,595 |
| Cost of funding earning assets | 0.1436% | 3,905 |
| Net interest margin | 3.7138% | 1,103 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.4198% | 2,256 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3402% | 1,236 |
| Return on assets (ROA) | 1.3402% | 1,219 |
| Pretax return on assets | 1.6174% | 1,076 |
| Return on Equity (ROE) | 20.9600% | 363 |
| Retained earnings to average equity (ytd only) | 15.5651% | 315 |
| Net charge-offs to loans | 0.0429% | 1,061 |
| Credit loss provision to net charge-offs | 580.3571% | 563 |
| Earnings coverage of net charge-offs (x) | 81.6607% | 1,035 |
| Efficiency ratio | 58.0226% | 3,379 |
| Assets per employee ($millions) | 5.8872% | 2,859 |
| Cash dividends to net income (ytd only)* | 25.7244% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,176 |
| Loan loss allowance to noncurrent loans | 1,080.0915% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,273 |
| Noncurrent loans to loans | 0.1175% | 3,057 |
| Net loans and leases to total assets | 51.5300% | 3,330 |
| Net loans and leases to deposits | 56.2853% | 3,454 |
| Net loans and leases to core deposits | 59.0047% | 3,452 |
| Total domestic deposits to total assets | 91.5500% | 1,027 |
| Equity capital to assets | 4.8756% | 4,315 |
| Core capital (leverage) ratio | 8.5356% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7478% | 1,495 |
| Memoranda: | ||
| Average total assets | $700,365,500 | 1,313 |
| Average earning assets | $660,973,250 | 1,295 |
| Average equity | $44,791,500 | 1,781 |
| Average total loans | $348,349,250 | 1,545 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 1,631 |
| Cost of funding earning assets | 0.1069% | 4,114 |
| Net interest margin | 3.5596% | 1,157 |
| Noninterest income to average assets | 0.6502% | 1,541 |
| Noninterest expense to average assets | 2.3918% | 2,251 |
| Loan and lease loss provision to assets | 0.1034% | 968 |
| Net operating income to assets | 1.2602% | 1,254 |
| Return on assets (ROA) | 1.2602% | 1,236 |
| Pretax return on assets | 1.5199% | 1,124 |
| Return on Equity (ROE) | 18.2283% | 443 |
| Retained earnings to average equity (ytd only) | 12.3377% | 554 |
| Net charge-offs to loans | 0.0364% | 1,018 |
| Credit loss provision to net charge-offs | 580.6452% | 586 |
| Earnings coverage of net charge-offs (x) | 91.1613% | 860 |
| Efficiency ratio | 59.4278% | 3,375 |
| Assets per employee ($millions) | 6.0310% | 2,712 |
| Cash dividends to net income (ytd only)* | 32.3154% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,344 |
| Loan loss allowance to noncurrent loans | 8,296.2963% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,961 |
| Noncurrent loans to loans | 0.0153% | 3,852 |
| Net loans and leases to total assets | 49.4598% | 3,426 |
| Net loans and leases to deposits | 53.2362% | 3,589 |
| Net loans and leases to core deposits | 55.5967% | 3,599 |
| Total domestic deposits to total assets | 92.9063% | 537 |
| Equity capital to assets | 5.2435% | 4,428 |
| Core capital (leverage) ratio | 8.4312% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1499% | 1,669 |
| Memoranda: | ||
| Average total assets | $696,371,667 | 1,326 |
| Average earning assets | $658,274,333 | 1,312 |
| Average equity | $48,145,000 | 1,728 |
| Average total loans | $340,537,333 | 1,559 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 1,918 |
| Cost of funding earning assets | 0.0952% | 4,193 |
| Net interest margin | 3.3645% | 1,391 |
| Noninterest income to average assets | 0.6505% | 1,491 |
| Noninterest expense to average assets | 2.2777% | 2,585 |
| Loan and lease loss provision to assets | 0.0636% | 1,274 |
| Net operating income to assets | 1.2415% | 1,140 |
| Return on assets (ROA) | 1.2415% | 1,127 |
| Pretax return on assets | 1.4982% | 1,021 |
| Return on Equity (ROE) | 15.9872% | 535 |
| Retained earnings to average equity (ytd only) | 8.7271% | 1,355 |
| Net charge-offs to loans | 0.0347% | 953 |
| Credit loss provision to net charge-offs | 379.3103% | 594 |
| Earnings coverage of net charge-offs (x) | 93.1379% | 696 |
| Efficiency ratio | 59.1717% | 3,565 |
| Assets per employee ($millions) | 6.1054% | 2,705 |
| Cash dividends to net income (ytd only)* | 45.4122% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,565 |
| Loan loss allowance to noncurrent loans | 916.5591% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,399 |
| Noncurrent loans to loans | 0.1371% | 3,124 |
| Net loans and leases to total assets | 47.7015% | 3,415 |
| Net loans and leases to deposits | 52.3388% | 3,546 |
| Net loans and leases to core deposits | 54.7750% | 3,541 |
| Total domestic deposits to total assets | 91.1397% | 960 |
| Equity capital to assets | 7.0071% | 4,212 |
| Core capital (leverage) ratio | 8.2790% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0765% | 1,496 |
| Memoranda: | ||
| Average total assets | $691,746,500 | 1,333 |
| Average earning assets | $655,674,000 | 1,318 |
| Average equity | $53,718,000 | 1,630 |
| Average total loans | $334,066,500 | 1,578 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 1,606 |
| Cost of funding earning assets | 0.1427% | 4,033 |
| Net interest margin | 3.7596% | 1,085 |
| Noninterest income to average assets | 0.6402% | 1,990 |
| Noninterest expense to average assets | 2.4233% | 2,417 |
| Loan and lease loss provision to assets | 0.0362% | 2,325 |
| Net operating income to assets | 1.4224% | 1,206 |
| Return on assets (ROA) | 1.4227% | 1,270 |
| Pretax return on assets | 1.7288% | 1,076 |
| Return on Equity (ROE) | 16.5151% | 674 |
| Retained earnings to average equity (ytd only) | 12.4537% | 480 |
| Net charge-offs to loans | 0.0095% | 2,218 |
| Credit loss provision to net charge-offs | 758.0645% | 630 |
| Earnings coverage of net charge-offs (x) | 369.9355% | 348 |
| Efficiency ratio | 57.7228% | 3,483 |
| Assets per employee ($millions) | 5.7744% | 2,986 |
| Cash dividends to net income (ytd only)* | 24.5918% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,491 |
| Loan loss allowance to noncurrent loans | 899.1398% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,484 |
| Noncurrent loans to loans | 0.1414% | 3,230 |
| Net loans and leases to total assets | 47.6638% | 3,522 |
| Net loans and leases to deposits | 53.0749% | 3,658 |
| Net loans and leases to core deposits | 55.5608% | 3,657 |
| Total domestic deposits to total assets | 89.8049% | 1,063 |
| Equity capital to assets | 8.5471% | 4,020 |
| Core capital (leverage) ratio | 8.1127% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7463% | 1,600 |
| Memoranda: | ||
| Average total assets | $649,940,600 | 1,361 |
| Average earning assets | $613,288,800 | 1,350 |
| Average equity | $55,991,200 | 1,609 |
| Average total loans | $327,191,400 | 1,602 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 1,436 |
| Cost of funding earning assets | 0.1567% | 4,048 |
| Net interest margin | 3.8891% | 958 |
| Noninterest income to average assets | 0.6315% | 2,094 |
| Noninterest expense to average assets | 2.4007% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5538% | 1,137 |
| Return on assets (ROA) | 1.5543% | 1,185 |
| Pretax return on assets | 1.8948% | 959 |
| Return on Equity (ROE) | 18.0044% | 630 |
| Retained earnings to average equity (ytd only) | 15.4210% | 344 |
| Net charge-offs to loans | -0.0041% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7559% | 3,556 |
| Assets per employee ($millions) | 5.8721% | 2,818 |
| Cash dividends to net income (ytd only)* | 14.3487% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,605 |
| Loan loss allowance to noncurrent loans | 2,675.8389% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,044 |
| Noncurrent loans to loans | 0.0477% | 3,878 |
| Net loans and leases to total assets | 44.4872% | 3,912 |
| Net loans and leases to deposits | 49.8086% | 4,016 |
| Net loans and leases to core deposits | 52.0361% | 4,035 |
| Total domestic deposits to total assets | 89.3162% | 1,114 |
| Equity capital to assets | 8.5481% | 4,178 |
| Core capital (leverage) ratio | 8.1182% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9693% | 1,621 |
| Memoranda: | ||
| Average total assets | $642,082,250 | 1,393 |
| Average earning assets | $604,820,250 | 1,382 |
| Average equity | $55,429,500 | 1,641 |
| Average total loans | $326,751,750 | 1,627 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 839 |
| Cost of funding earning assets | 0.1777% | 3,972 |
| Net interest margin | 4.2373% | 547 |
| Noninterest income to average assets | 0.6303% | 2,081 |
| Noninterest expense to average assets | 2.4033% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8028% | 710 |
| Return on assets (ROA) | 1.8028% | 743 |
| Pretax return on assets | 2.2085% | 567 |
| Return on Equity (ROE) | 20.8078% | 399 |
| Retained earnings to average equity (ytd only) | 19.3677% | 175 |
| Net charge-offs to loans | -0.0265% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9736% | 4,047 |
| Assets per employee ($millions) | 5.7559% | 2,841 |
| Cash dividends to net income (ytd only)* | 6.9210% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,895 |
| Loan loss allowance to noncurrent loans | 2,628.1046% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,111 |
| Noncurrent loans to loans | 0.0459% | 3,953 |
| Net loans and leases to total assets | 49.2891% | 3,627 |
| Net loans and leases to deposits | 55.0515% | 3,791 |
| Net loans and leases to core deposits | 57.6099% | 3,788 |
| Total domestic deposits to total assets | 89.5328% | 1,012 |
| Equity capital to assets | 8.4594% | 4,233 |
| Core capital (leverage) ratio | 8.1029% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2596% | 1,884 |
| Memoranda: | ||
| Average total assets | $625,139,000 | 1,415 |
| Average earning assets | $587,397,667 | 1,408 |
| Average equity | $54,162,333 | 1,664 |
| Average total loans | $331,587,667 | 1,621 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 744 |
| Cost of funding earning assets | 0.2017% | 3,895 |
| Net interest margin | 4.3264% | 494 |
| Noninterest income to average assets | 0.6339% | 2,079 |
| Noninterest expense to average assets | 2.4317% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8507% | 719 |
| Return on assets (ROA) | 1.8507% | 774 |
| Pretax return on assets | 2.2654% | 621 |
| Return on Equity (ROE) | 21.0858% | 461 |
| Retained earnings to average equity (ytd only) | 18.6708% | 329 |
| Net charge-offs to loans | 0.0121% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 270 |
| Efficiency ratio | 51.6288% | 4,035 |
| Assets per employee ($millions) | 5.4025% | 3,221 |
| Cash dividends to net income (ytd only)* | 11.4531% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,997 |
| Loan loss allowance to noncurrent loans | 2,433.7423% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,179 |
| Noncurrent loans to loans | 0.0487% | 4,042 |
| Net loans and leases to total assets | 52.7517% | 3,376 |
| Net loans and leases to deposits | 59.1780% | 3,547 |
| Net loans and leases to core deposits | 62.6311% | 3,530 |
| Total domestic deposits to total assets | 89.1407% | 1,274 |
| Equity capital to assets | 8.5319% | 4,088 |
| Core capital (leverage) ratio | 8.3483% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1925% | 2,211 |
| Memoranda: | ||
| Average total assets | $603,866,000 | 1,442 |
| Average earning assets | $567,120,000 | 1,433 |
| Average equity | $53,002,500 | 1,682 |
| Average total loans | $330,823,000 | 1,623 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 1,099 |
| Cost of funding earning assets | 0.3720% | 3,756 |
| Net interest margin | 4.2268% | 600 |
| Noninterest income to average assets | 0.6196% | 2,141 |
| Noninterest expense to average assets | 3.0269% | 1,381 |
| Loan and lease loss provision to assets | 0.0367% | 3,952 |
| Net operating income to assets | 1.2453% | 1,395 |
| Return on assets (ROA) | 1.2950% | 1,364 |
| Pretax return on assets | 1.5611% | 1,164 |
| Return on Equity (ROE) | 14.6762% | 691 |
| Retained earnings to average equity (ytd only) | 8.6409% | 867 |
| Net charge-offs to loans | 0.0524% | 2,041 |
| Credit loss provision to net charge-offs | 116.2791% | 2,671 |
| Earnings coverage of net charge-offs (x) | 48.6919% | 1,227 |
| Efficiency ratio | 66.1517% | 2,506 |
| Assets per employee ($millions) | 4.9241% | 3,478 |
| Cash dividends to net income (ytd only)* | 41.1231% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,862 |
| Loan loss allowance to noncurrent loans | 2,705.4422% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,250 |
| Noncurrent loans to loans | 0.0449% | 4,119 |
| Net loans and leases to total assets | 55.6091% | 3,337 |
| Net loans and leases to deposits | 62.3929% | 3,577 |
| Net loans and leases to core deposits | 66.5213% | 3,500 |
| Total domestic deposits to total assets | 89.1273% | 930 |
| Equity capital to assets | 9.0418% | 4,017 |
| Core capital (leverage) ratio | 8.1856% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7888% | 1,937 |
| Memoranda: | ||
| Average total assets | $544,546,000 | 1,442 |
| Average earning assets | $508,280,400 | 1,436 |
| Average equity | $48,050,600 | 1,752 |
| Average total loans | $328,430,400 | 1,585 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 842 |
| Cost of funding earning assets | 0.4220% | 3,691 |
| Net interest margin | 4.4061% | 467 |
| Noninterest income to average assets | 0.6091% | 2,140 |
| Noninterest expense to average assets | 3.0465% | 1,343 |
| Loan and lease loss provision to assets | 0.0499% | 3,730 |
| Net operating income to assets | 1.3376% | 1,266 |
| Return on assets (ROA) | 1.4050% | 1,184 |
| Pretax return on assets | 1.6993% | 972 |
| Return on Equity (ROE) | 16.0295% | 546 |
| Retained earnings to average equity (ytd only) | 12.0519% | 422 |
| Net charge-offs to loans | 0.0556% | 1,812 |
| Credit loss provision to net charge-offs | 145.9854% | 2,349 |
| Earnings coverage of net charge-offs (x) | 48.8905% | 1,209 |
| Efficiency ratio | 64.4676% | 2,668 |
| Assets per employee ($millions) | 4.8114% | 3,476 |
| Cash dividends to net income (ytd only)* | 24.8139% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,873 |
| Loan loss allowance to noncurrent loans | 50,137.5000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,448 |
| Noncurrent loans to loans | 0.0023% | 4,454 |
| Net loans and leases to total assets | 59.0361% | 3,317 |
| Net loans and leases to deposits | 66.4643% | 3,579 |
| Net loans and leases to core deposits | 70.7660% | 3,574 |
| Total domestic deposits to total assets | 88.8238% | 852 |
| Equity capital to assets | 9.0262% | 4,099 |
| Core capital (leverage) ratio | 8.1735% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9461% | 1,846 |
| Memoranda: | ||
| Average total assets | $535,421,250 | 1,446 |
| Average earning assets | $498,873,000 | 1,438 |
| Average equity | $46,929,000 | 1,780 |
| Average total loans | $328,765,250 | 1,576 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 564 |
| Cost of funding earning assets | 0.5009% | 3,528 |
| Net interest margin | 4.7059% | 336 |
| Noninterest income to average assets | 0.6344% | 1,996 |
| Noninterest expense to average assets | 3.1574% | 1,230 |
| Loan and lease loss provision to assets | 0.0767% | 3,335 |
| Net operating income to assets | 1.4547% | 1,009 |
| Return on assets (ROA) | 1.5572% | 905 |
| Pretax return on assets | 1.8959% | 676 |
| Return on Equity (ROE) | 17.9643% | 371 |
| Retained earnings to average equity (ytd only) | 12.2653% | 427 |
| Net charge-offs to loans | 0.0229% | 2,258 |
| Credit loss provision to net charge-offs | 540.5405% | 1,171 |
| Earnings coverage of net charge-offs (x) | 130.1892% | 588 |
| Efficiency ratio | 62.9320% | 2,966 |
| Assets per employee ($millions) | 4.7112% | 3,517 |
| Cash dividends to net income (ytd only)* | 31.7241% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,565 |
| Loan loss allowance to noncurrent loans | 1,073.3681% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,138 |
| Noncurrent loans to loans | 0.1110% | 4,010 |
| Net loans and leases to total assets | 59.8079% | 3,347 |
| Net loans and leases to deposits | 66.8561% | 3,654 |
| Net loans and leases to core deposits | 72.1536% | 3,585 |
| Total domestic deposits to total assets | 89.4577% | 590 |
| Equity capital to assets | 8.5855% | 4,424 |
| Core capital (leverage) ratio | 8.2081% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3817% | 2,862 |
| Memoranda: | ||
| Average total assets | $521,441,000 | 1,458 |
| Average earning assets | $484,286,667 | 1,447 |
| Average equity | $45,200,667 | 1,824 |
| Average total loans | $323,399,333 | 1,580 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 952 |
| Cost of funding earning assets | 0.6271% | 3,292 |
| Net interest margin | 4.3787% | 651 |
| Noninterest income to average assets | 0.7507% | 1,464 |
| Noninterest expense to average assets | 3.1002% | 1,637 |
| Loan and lease loss provision to assets | 0.0483% | 3,174 |
| Net operating income to assets | 1.3595% | 1,083 |
| Return on assets (ROA) | 1.5746% | 726 |
| Pretax return on assets | 1.9206% | 547 |
| Return on Equity (ROE) | 18.0660% | 261 |
| Retained earnings to average equity (ytd only) | 13.5610% | 282 |
| Net charge-offs to loans | 0.0435% | 1,596 |
| Credit loss provision to net charge-offs | 176.4706% | 1,481 |
| Earnings coverage of net charge-offs (x) | 62.3824% | 790 |
| Efficiency ratio | 64.3288% | 3,186 |
| Assets per employee ($millions) | 4.1398% | 3,733 |
| Cash dividends to net income (ytd only)* | 24.9361% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,303 |
| Loan loss allowance to noncurrent loans | 1,024.4845% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,028 |
| Noncurrent loans to loans | 0.1236% | 4,024 |
| Net loans and leases to total assets | 61.3775% | 3,362 |
| Net loans and leases to deposits | 68.5220% | 3,691 |
| Net loans and leases to core deposits | 75.8377% | 3,505 |
| Total domestic deposits to total assets | 89.5735% | 450 |
| Equity capital to assets | 8.4957% | 4,837 |
| Core capital (leverage) ratio | 8.6923% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2959% | 2,572 |
| Memoranda: | ||
| Average total assets | $497,134,000 | 1,474 |
| Average earning assets | $460,500,500 | 1,465 |
| Average equity | $43,330,000 | 1,870 |
| Average total loans | $312,574,500 | 1,590 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 926 |
| Cost of funding earning assets | 0.6718% | 3,305 |
| Net interest margin | 4.5615% | 624 |
| Noninterest income to average assets | 0.8399% | 1,334 |
| Noninterest expense to average assets | 3.2508% | 1,407 |
| Loan and lease loss provision to assets | 0.0702% | 2,598 |
| Net operating income to assets | 1.4050% | 1,327 |
| Return on assets (ROA) | 1.4113% | 1,385 |
| Pretax return on assets | 1.7325% | 1,104 |
| Return on Equity (ROE) | 16.0849% | 528 |
| Retained earnings to average equity (ytd only) | 11.9879% | 244 |
| Net charge-offs to loans | 0.0425% | 2,546 |
| Credit loss provision to net charge-offs | 253.5433% | 1,079 |
| Earnings coverage of net charge-offs (x) | 64.8661% | 936 |
| Efficiency ratio | 63.1072% | 3,206 |
| Assets per employee ($millions) | 3.9773% | 3,925 |
| Cash dividends to net income (ytd only)* | 25.4708% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,307.6159% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,142 |
| Noncurrent loans to loans | 0.0970% | 4,137 |
| Net loans and leases to total assets | 62.8019% | 3,329 |
| Net loans and leases to deposits | 70.4227% | 3,635 |
| Net loans and leases to core deposits | 77.7488% | 3,460 |
| Total domestic deposits to total assets | 89.1785% | 601 |
| Equity capital to assets | 8.9434% | 4,714 |
| Core capital (leverage) ratio | 8.6699% | 4,741 |
| Tier 1 risk-based capital ratio | 12.2338% | 4,224 |
| Total risk-based capital ratio | 13.4595% | 4,115 |
| Memoranda: | ||
| Average total assets | $458,996,200 | 1,520 |
| Average earning assets | $423,198,000 | 1,533 |
| Average equity | $40,273,800 | 1,921 |
| Average total loans | $299,090,200 | 1,608 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 893 |
| Cost of funding earning assets | 0.6717% | 3,345 |
| Net interest margin | 4.6138% | 602 |
| Noninterest income to average assets | 0.8423% | 1,302 |
| Noninterest expense to average assets | 3.2925% | 1,284 |
| Loan and lease loss provision to assets | 0.0845% | 2,218 |
| Net operating income to assets | 1.4030% | 1,460 |
| Return on assets (ROA) | 1.4114% | 1,495 |
| Pretax return on assets | 1.7236% | 1,266 |
| Return on Equity (ROE) | 16.1704% | 584 |
| Retained earnings to average equity (ytd only) | 12.1202% | 368 |
| Net charge-offs to loans | 0.0360% | 2,361 |
| Credit loss provision to net charge-offs | 357.5000% | 839 |
| Earnings coverage of net charge-offs (x) | 76.0904% | 887 |
| Efficiency ratio | 63.3304% | 3,105 |
| Assets per employee ($millions) | 3.9104% | 4,014 |
| Cash dividends to net income (ytd only)* | 25.0471% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 1,981 |
| Loan loss allowance to noncurrent loans | 1,979.5000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,331 |
| Noncurrent loans to loans | 0.0655% | 4,344 |
| Net loans and leases to total assets | 63.1918% | 3,364 |
| Net loans and leases to deposits | 70.3470% | 3,748 |
| Net loans and leases to core deposits | 77.4936% | 3,590 |
| Total domestic deposits to total assets | 89.8287% | 330 |
| Equity capital to assets | 8.8950% | 4,830 |
| Core capital (leverage) ratio | 8.7117% | 4,828 |
| Tier 1 risk-based capital ratio | 12.6124% | 4,076 |
| Total risk-based capital ratio | 13.8629% | 3,950 |
| Memoranda: | ||
| Average total assets | $451,442,750 | 1,557 |
| Average earning assets | $415,645,250 | 1,571 |
| Average equity | $39,404,250 | 1,970 |
| Average total loans | $296,067,250 | 1,633 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 836 |
| Cost of funding earning assets | 0.6548% | 3,386 |
| Net interest margin | 4.6314% | 578 |
| Noninterest income to average assets | 0.8449% | 1,220 |
| Noninterest expense to average assets | 3.3547% | 1,184 |
| Loan and lease loss provision to assets | 0.1161% | 1,615 |
| Net operating income to assets | 1.3458% | 1,597 |
| Return on assets (ROA) | 1.3588% | 1,610 |
| Pretax return on assets | 1.6573% | 1,374 |
| Return on Equity (ROE) | 15.6743% | 649 |
| Retained earnings to average equity (ytd only) | 11.4705% | 489 |
| Net charge-offs to loans | -0.0068% | 4,208 |
| Credit loss provision to net charge-offs | -2,570.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2611% | 3,090 |
| Assets per employee ($millions) | 3.7106% | 4,228 |
| Cash dividends to net income (ytd only)* | 26.8195% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,943 |
| Loan loss allowance to noncurrent loans | 2,662.2517% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,475 |
| Noncurrent loans to loans | 0.0494% | 4,466 |
| Net loans and leases to total assets | 66.5983% | 3,027 |
| Net loans and leases to deposits | 73.7745% | 3,537 |
| Net loans and leases to core deposits | 81.1069% | 3,332 |
| Total domestic deposits to total assets | 90.2728% | 249 |
| Equity capital to assets | 8.9680% | 4,813 |
| Core capital (leverage) ratio | 8.8639% | 4,744 |
| Tier 1 risk-based capital ratio | 12.4487% | 4,155 |
| Total risk-based capital ratio | 13.7001% | 4,038 |
| Memoranda: | ||
| Average total assets | $442,901,000 | 1,585 |
| Average earning assets | $408,082,670 | 1,600 |
| Average equity | $38,394,000 | 2,005 |
| Average total loans | $292,947,330 | 1,649 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 766 |
| Cost of funding earning assets | 0.6353% | 3,381 |
| Net interest margin | 4.6589% | 542 |
| Noninterest income to average assets | 0.8429% | 1,182 |
| Noninterest expense to average assets | 3.3735% | 1,156 |
| Loan and lease loss provision to assets | 0.1525% | 1,101 |
| Net operating income to assets | 1.3087% | 1,670 |
| Return on assets (ROA) | 1.3215% | 1,664 |
| Pretax return on assets | 1.6119% | 1,438 |
| Return on Equity (ROE) | 15.5208% | 659 |
| Retained earnings to average equity (ytd only) | 11.1552% | 768 |
| Net charge-offs to loans | -0.0586% | 4,878 |
| Credit loss provision to net charge-offs | -397.6190% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5035% | 3,160 |
| Assets per employee ($millions) | 3.6508% | 4,407 |
| Cash dividends to net income (ytd only)* | 28.1272% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,906 |
| Loan loss allowance to noncurrent loans | 1,672.1519% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,419 |
| Noncurrent loans to loans | 0.0802% | 4,405 |
| Net loans and leases to total assets | 65.9668% | 3,055 |
| Net loans and leases to deposits | 72.9520% | 3,534 |
| Net loans and leases to core deposits | 79.2236% | 3,429 |
| Total domestic deposits to total assets | 90.4249% | 311 |
| Equity capital to assets | 8.6682% | 4,893 |
| Core capital (leverage) ratio | 8.7698% | 4,815 |
| Tier 1 risk-based capital ratio | 11.9761% | 4,473 |
| Total risk-based capital ratio | 13.2266% | 4,366 |
| Memoranda: | ||
| Average total assets | $438,002,500 | 1,603 |
| Average earning assets | $402,328,000 | 1,625 |
| Average equity | $37,292,000 | 2,044 |
| Average total loans | $286,666,500 | 1,685 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 850 |
| Cost of funding earning assets | 0.4612% | 3,602 |
| Net interest margin | 4.6354% | 561 |
| Noninterest income to average assets | 0.7865% | 1,492 |
| Noninterest expense to average assets | 3.3716% | 1,195 |
| Loan and lease loss provision to assets | 0.0284% | 3,606 |
| Net operating income to assets | 1.3863% | 1,475 |
| Return on assets (ROA) | 1.3877% | 1,469 |
| Pretax return on assets | 1.6593% | 1,278 |
| Return on Equity (ROE) | 16.8246% | 512 |
| Retained earnings to average equity (ytd only) | 7.7454% | 1,354 |
| Net charge-offs to loans | 0.0660% | 2,174 |
| Credit loss provision to net charge-offs | 65.5738% | 3,044 |
| Earnings coverage of net charge-offs (x) | 38.9399% | 1,345 |
| Efficiency ratio | 65.5314% | 2,946 |
| Assets per employee ($millions) | 3.6188% | 4,428 |
| Cash dividends to net income (ytd only)* | 53.9642% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,823 |
| Loan loss allowance to noncurrent loans | 1,285.6164% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,259 |
| Noncurrent loans to loans | 0.1051% | 4,264 |
| Net loans and leases to total assets | 63.1444% | 3,449 |
| Net loans and leases to deposits | 69.4023% | 3,870 |
| Net loans and leases to core deposits | 74.3235% | 3,828 |
| Total domestic deposits to total assets | 90.9832% | 209 |
| Equity capital to assets | 8.3573% | 5,012 |
| Core capital (leverage) ratio | 8.5887% | 4,959 |
| Tier 1 risk-based capital ratio | 12.0452% | 4,399 |
| Total risk-based capital ratio | 13.2954% | 4,281 |
| Memoranda: | ||
| Average total assets | $422,650,000 | 1,614 |
| Average earning assets | $389,437,200 | 1,625 |
| Average equity | $34,859,600 | 2,081 |
| Average total loans | $277,124,000 | 1,686 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 853 |
| Cost of funding earning assets | 0.4206% | 3,720 |
| Net interest margin | 4.6243% | 564 |
| Noninterest income to average assets | 0.7608% | 1,625 |
| Noninterest expense to average assets | 3.3295% | 1,238 |
| Loan and lease loss provision to assets | 0.0381% | 3,243 |
| Net operating income to assets | 1.3609% | 1,615 |
| Return on assets (ROA) | 1.3627% | 1,615 |
| Pretax return on assets | 1.6660% | 1,362 |
| Return on Equity (ROE) | 16.5786% | 604 |
| Retained earnings to average equity (ytd only) | 6.9367% | 2,158 |
| Net charge-offs to loans | 0.0260% | 2,599 |
| Credit loss provision to net charge-offs | 222.2222% | 1,283 |
| Earnings coverage of net charge-offs (x) | 99.2197% | 759 |
| Efficiency ratio | 66.1742% | 2,840 |
| Assets per employee ($millions) | 3.6735% | 4,340 |
| Cash dividends to net income (ytd only)* | 58.1584% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,738 |
| Loan loss allowance to noncurrent loans | 538.5576% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,138 |
| Noncurrent loans to loans | 0.2582% | 3,763 |
| Net loans and leases to total assets | 62.9818% | 3,545 |
| Net loans and leases to deposits | 69.4274% | 3,966 |
| Net loans and leases to core deposits | 73.9565% | 3,951 |
| Total domestic deposits to total assets | 90.7161% | 288 |
| Equity capital to assets | 7.9338% | 5,199 |
| Core capital (leverage) ratio | 8.4233% | 5,130 |
| Tier 1 risk-based capital ratio | 12.4029% | 4,251 |
| Total risk-based capital ratio | 13.6548% | 4,142 |
| Memoranda: | ||
| Average total assets | $419,749,000 | 1,629 |
| Average earning assets | $387,656,250 | 1,642 |
| Average equity | $34,501,500 | 2,100 |
| Average total loans | $276,914,750 | 1,695 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 818 |
| Cost of funding earning assets | 0.3791% | 3,879 |
| Net interest margin | 4.6223% | 527 |
| Noninterest income to average assets | 0.7310% | 1,733 |
| Noninterest expense to average assets | 3.3502% | 1,217 |
| Loan and lease loss provision to assets | 0.0435% | 3,025 |
| Net operating income to assets | 1.3172% | 1,706 |
| Return on assets (ROA) | 1.3180% | 1,704 |
| Pretax return on assets | 1.6089% | 1,478 |
| Return on Equity (ROE) | 15.8414% | 701 |
| Retained earnings to average equity (ytd only) | 7.9149% | 1,663 |
| Net charge-offs to loans | 0.0203% | 2,479 |
| Credit loss provision to net charge-offs | 321.4286% | 959 |
| Earnings coverage of net charge-offs (x) | 122.0714% | 608 |
| Efficiency ratio | 66.9822% | 2,826 |
| Assets per employee ($millions) | 3.5996% | 4,470 |
| Cash dividends to net income (ytd only)* | 50.0367% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,764 |
| Loan loss allowance to noncurrent loans | 140.8497% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 2,284 |
| Noncurrent loans to loans | 0.9910% | 1,761 |
| Net loans and leases to total assets | 64.5119% | 3,340 |
| Net loans and leases to deposits | 71.0558% | 3,778 |
| Net loans and leases to core deposits | 75.5399% | 3,774 |
| Total domestic deposits to total assets | 90.7905% | 305 |
| Equity capital to assets | 8.1619% | 5,163 |
| Core capital (leverage) ratio | 8.6351% | 5,010 |
| Tier 1 risk-based capital ratio | 12.1320% | 4,417 |
| Total risk-based capital ratio | 13.3833% | 4,293 |
| Memoranda: | ||
| Average total assets | $413,951,330 | 1,664 |
| Average earning assets | $382,451,330 | 1,676 |
| Average equity | $34,441,330 | 2,110 |
| Average total loans | $276,152,000 | 1,707 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 724 |
| Cost of funding earning assets | 0.3440% | 4,032 |
| Net interest margin | 4.6376% | 462 |
| Noninterest income to average assets | 0.7343% | 1,686 |
| Noninterest expense to average assets | 3.3827% | 1,188 |
| Loan and lease loss provision to assets | 0.0881% | 2,039 |
| Net operating income to assets | 1.2751% | 1,729 |
| Return on assets (ROA) | 1.2767% | 1,729 |
| Pretax return on assets | 1.5548% | 1,514 |
| Return on Equity (ROE) | 15.1946% | 773 |
| Retained earnings to average equity (ytd only) | 9.9511% | 1,175 |
| Net charge-offs to loans | 0.0160% | 2,200 |
| Credit loss provision to net charge-offs | 818.1818% | 406 |
| Earnings coverage of net charge-offs (x) | 152.3636% | 426 |
| Efficiency ratio | 67.3358% | 2,949 |
| Assets per employee ($millions) | 3.4999% | 4,661 |
| Cash dividends to net income (ytd only)* | 34.5092% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,834 |
| Loan loss allowance to noncurrent loans | 194.2173% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,926 |
| Noncurrent loans to loans | 0.7220% | 2,406 |
| Net loans and leases to total assets | 65.7728% | 3,067 |
| Net loans and leases to deposits | 72.5430% | 3,549 |
| Net loans and leases to core deposits | 77.9499% | 3,494 |
| Total domestic deposits to total assets | 90.6674% | 419 |
| Equity capital to assets | 8.2113% | 5,171 |
| Core capital (leverage) ratio | 8.7923% | 4,901 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,520 |
| Total risk-based capital ratio | 13.3080% | 4,405 |
| Memoranda: | ||
| Average total assets | $408,549,000 | 1,698 |
| Average earning assets | $377,867,500 | 1,706 |
| Average equity | $34,328,000 | 2,130 |
| Average total loans | $275,279,500 | 1,718 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 644 |
| Cost of funding earning assets | 0.3037% | 4,105 |
| Net interest margin | 4.7015% | 420 |
| Noninterest income to average assets | 0.7053% | 1,940 |
| Noninterest expense to average assets | 3.4886% | 1,059 |
| Loan and lease loss provision to assets | 0.0235% | 3,826 |
| Net operating income to assets | 0.9974% | 2,253 |
| Return on assets (ROA) | 1.0075% | 2,247 |
| Pretax return on assets | 1.5148% | 1,582 |
| Return on Equity (ROE) | 11.8272% | 1,261 |
| Retained earnings to average equity (ytd only) | 5.9703% | 1,552 |
| Net charge-offs to loans | 0.0164% | 3,542 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 138.8333% | 499 |
| Efficiency ratio | 69.6080% | 2,619 |
| Assets per employee ($millions) | 3.3950% | 4,829 |
| Cash dividends to net income (ytd only)* | 49.5204% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,772 |
| Loan loss allowance to noncurrent loans | 188.2150% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 2,604 |
| Noncurrent loans to loans | 0.7436% | 2,347 |
| Net loans and leases to total assets | 67.1251% | 2,946 |
| Net loans and leases to deposits | 75.4495% | 3,386 |
| Net loans and leases to core deposits | 80.3692% | 3,393 |
| Total domestic deposits to total assets | 88.9669% | 1,016 |
| Equity capital to assets | 8.6011% | 5,038 |
| Core capital (leverage) ratio | 8.5977% | 5,043 |
| Tier 1 risk-based capital ratio | 12.0781% | 4,477 |
| Total risk-based capital ratio | 13.3302% | 4,367 |
| Memoranda: | ||
| Average total assets | $382,819,400 | 1,783 |
| Average earning assets | $350,650,400 | 1,802 |
| Average equity | $32,611,200 | 2,191 |
| Average total loans | $255,899,000 | 1,781 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 602 |
| Cost of funding earning assets | 0.2999% | 4,132 |
| Net interest margin | 4.7082% | 402 |
| Noninterest income to average assets | 0.7055% | 1,971 |
| Noninterest expense to average assets | 3.4956% | 1,003 |
| Loan and lease loss provision to assets | 0.0317% | 3,486 |
| Net operating income to assets | 1.0481% | 2,337 |
| Return on assets (ROA) | 1.0501% | 2,369 |
| Pretax return on assets | 1.4856% | 1,820 |
| Return on Equity (ROE) | 12.3585% | 1,227 |
| Retained earnings to average equity (ytd only) | 8.9164% | 874 |
| Net charge-offs to loans | 0.0090% | 3,405 |
| Credit loss provision to net charge-offs | 529.4118% | 603 |
| Earnings coverage of net charge-offs (x) | 252.7799% | 349 |
| Efficiency ratio | 69.7707% | 2,571 |
| Assets per employee ($millions) | 3.3967% | 4,864 |
| Cash dividends to net income (ytd only)* | 27.8524% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,560 |
| Loan loss allowance to noncurrent loans | 38,420.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,823 |
| Noncurrent loans to loans | 0.0039% | 5,134 |
| Net loans and leases to total assets | 62.7691% | 3,571 |
| Net loans and leases to deposits | 70.0811% | 3,956 |
| Net loans and leases to core deposits | 74.4802% | 3,928 |
| Total domestic deposits to total assets | 89.5664% | 637 |
| Equity capital to assets | 8.7134% | 5,138 |
| Core capital (leverage) ratio | 8.5937% | 5,171 |
| Tier 1 risk-based capital ratio | 12.6301% | 4,244 |
| Total risk-based capital ratio | 13.8829% | 4,140 |
| Memoranda: | ||
| Average total assets | $378,371,000 | 1,810 |
| Average earning assets | $345,938,250 | 1,829 |
| Average equity | $32,149,750 | 2,227 |
| Average total loans | $251,691,500 | 1,815 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 530 |
| Cost of funding earning assets | 0.2942% | 4,137 |
| Net interest margin | 4.7433% | 360 |
| Noninterest income to average assets | 0.7102% | 1,944 |
| Noninterest expense to average assets | 3.5623% | 919 |
| Loan and lease loss provision to assets | 0.0487% | 3,017 |
| Net operating income to assets | 1.0084% | 2,382 |
| Return on assets (ROA) | 1.0115% | 2,412 |
| Pretax return on assets | 1.4290% | 1,900 |
| Return on Equity (ROE) | 12.0156% | 1,295 |
| Retained earnings to average equity (ytd only) | 8.2181% | 1,079 |
| Net charge-offs to loans | 0.0072% | 3,204 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 302.6667% | 280 |
| Efficiency ratio | 70.7411% | 2,542 |
| Assets per employee ($millions) | 3.4809% | 4,748 |
| Cash dividends to net income (ytd only)* | 31.6043% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,543 |
| Loan loss allowance to noncurrent loans | 383.0846% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,773 |
| Noncurrent loans to loans | 0.3940% | 3,611 |
| Net loans and leases to total assets | 63.3036% | 3,482 |
| Net loans and leases to deposits | 70.0949% | 3,909 |
| Net loans and leases to core deposits | 74.6692% | 3,885 |
| Total domestic deposits to total assets | 90.3112% | 421 |
| Equity capital to assets | 8.2919% | 5,411 |
| Core capital (leverage) ratio | 8.4981% | 5,220 |
| Tier 1 risk-based capital ratio | 11.8465% | 4,731 |
| Total risk-based capital ratio | 13.0996% | 4,621 |
| Memoranda: | ||
| Average total assets | $369,759,670 | 1,848 |
| Average earning assets | $337,191,330 | 1,870 |
| Average equity | $31,126,330 | 2,286 |
| Average total loans | $249,736,000 | 1,827 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 420 |
| Cost of funding earning assets | 0.2924% | 4,121 |
| Net interest margin | 4.8409% | 293 |
| Noninterest income to average assets | 0.7568% | 1,722 |
| Noninterest expense to average assets | 3.6190% | 874 |
| Loan and lease loss provision to assets | 0.1011% | 1,873 |
| Net operating income to assets | 1.0222% | 2,215 |
| Return on assets (ROA) | 1.0286% | 2,225 |
| Pretax return on assets | 1.4519% | 1,691 |
| Return on Equity (ROE) | 12.1174% | 1,202 |
| Retained earnings to average equity (ytd only) | 9.4717% | 928 |
| Net charge-offs to loans | 0.0308% | 2,150 |
| Credit loss provision to net charge-offs | 473.6842% | 585 |
| Earnings coverage of net charge-offs (x) | 72.3684% | 703 |
| Efficiency ratio | 70.0957% | 2,874 |
| Assets per employee ($millions) | 3.2245% | 5,132 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,631 |
| Loan loss allowance to noncurrent loans | 360.5634% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,653 |
| Noncurrent loans to loans | 0.4213% | 3,583 |
| Net loans and leases to total assets | 68.3288% | 2,626 |
| Net loans and leases to deposits | 75.9757% | 3,196 |
| Net loans and leases to core deposits | 82.2582% | 3,068 |
| Total domestic deposits to total assets | 89.9350% | 694 |
| Equity capital to assets | 8.4249% | 5,292 |
| Core capital (leverage) ratio | 8.6836% | 5,069 |
| Tier 1 risk-based capital ratio | 11.6205% | 4,965 |
| Total risk-based capital ratio | 12.8740% | 4,857 |
| Memoranda: | ||
| Average total assets | $356,229,000 | 1,907 |
| Average earning assets | $324,234,000 | 1,943 |
| Average equity | $30,237,500 | 2,359 |
| Average total loans | $247,078,000 | 1,852 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 540 |
| Cost of funding earning assets | 0.2956% | 4,114 |
| Net interest margin | 4.7565% | 381 |
| Noninterest income to average assets | 0.7828% | 1,815 |
| Noninterest expense to average assets | 3.5985% | 1,020 |
| Loan and lease loss provision to assets | 0.1236% | 2,003 |
| Net operating income to assets | 0.9688% | 2,493 |
| Return on assets (ROA) | 1.0057% | 2,430 |
| Pretax return on assets | 1.4292% | 1,820 |
| Return on Equity (ROE) | 11.4960% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.0732% | 1,205 |
| Net charge-offs to loans | 0.0198% | 3,657 |
| Credit loss provision to net charge-offs | 923.9130% | 408 |
| Earnings coverage of net charge-offs (x) | 112.1087% | 542 |
| Efficiency ratio | 70.5768% | 2,817 |
| Assets per employee ($millions) | 3.1644% | 5,202 |
| Cash dividends to net income (ytd only)* | 38.4727% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,462 |
| Loan loss allowance to noncurrent loans | 373.9087% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,710 |
| Noncurrent loans to loans | 0.4177% | 3,647 |
| Net loans and leases to total assets | 68.2521% | 2,733 |
| Net loans and leases to deposits | 74.9730% | 3,417 |
| Net loans and leases to core deposits | 80.4630% | 3,357 |
| Total domestic deposits to total assets | 91.0355% | 270 |
| Equity capital to assets | 8.5545% | 5,228 |
| Core capital (leverage) ratio | 8.4905% | 5,271 |
| Tier 1 risk-based capital ratio | 11.3190% | 5,165 |
| Total risk-based capital ratio | 12.5722% | 5,062 |
| Memoranda: | ||
| Average total assets | $343,753,400 | 1,929 |
| Average earning assets | $311,908,000 | 1,964 |
| Average equity | $30,071,400 | 2,344 |
| Average total loans | $232,398,000 | 1,889 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 566 |
| Cost of funding earning assets | 0.2958% | 4,147 |
| Net interest margin | 4.7354% | 406 |
| Noninterest income to average assets | 0.7926% | 1,792 |
| Noninterest expense to average assets | 3.5726% | 1,039 |
| Loan and lease loss provision to assets | 0.1070% | 2,143 |
| Net operating income to assets | 1.0299% | 2,294 |
| Return on assets (ROA) | 1.0875% | 2,148 |
| Pretax return on assets | 1.4894% | 1,741 |
| Return on Equity (ROE) | 12.3621% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.7796% | 886 |
| Net charge-offs to loans | 0.0209% | 3,278 |
| Credit loss provision to net charge-offs | 763.8889% | 521 |
| Earnings coverage of net charge-offs (x) | 108.3306% | 623 |
| Efficiency ratio | 70.1880% | 2,859 |
| Assets per employee ($millions) | 3.1135% | 5,275 |
| Cash dividends to net income (ytd only)* | 28.9803% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,551 |
| Loan loss allowance to noncurrent loans | 358.9515% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 3,522 |
| Noncurrent loans to loans | 0.4387% | 3,709 |
| Net loans and leases to total assets | 64.4674% | 3,335 |
| Net loans and leases to deposits | 71.1282% | 3,876 |
| Net loans and leases to core deposits | 76.0337% | 3,832 |
| Total domestic deposits to total assets | 90.6356% | 289 |
| Equity capital to assets | 8.8343% | 5,298 |
| Core capital (leverage) ratio | 8.4485% | 5,400 |
| Tier 1 risk-based capital ratio | 13.0776% | 4,115 |
| Total risk-based capital ratio | 14.3331% | 4,019 |
| Memoranda: | ||
| Average total assets | $342,670,250 | 1,934 |
| Average earning assets | $310,980,000 | 1,973 |
| Average equity | $30,145,000 | 2,358 |
| Average total loans | $230,161,250 | 1,907 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 521 |
| Cost of funding earning assets | 0.2949% | 4,194 |
| Net interest margin | 4.7702% | 392 |
| Noninterest income to average assets | 0.7985% | 1,720 |
| Noninterest expense to average assets | 3.5493% | 1,084 |
| Loan and lease loss provision to assets | 0.1178% | 1,933 |
| Net operating income to assets | 1.0596% | 2,126 |
| Return on assets (ROA) | 1.1207% | 1,994 |
| Pretax return on assets | 1.5500% | 1,528 |
| Return on Equity (ROE) | 12.7577% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.8694% | 885 |
| Net charge-offs to loans | 0.0104% | 3,349 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 292 |
| Efficiency ratio | 69.1566% | 3,124 |
| Assets per employee ($millions) | 3.1559% | 5,264 |
| Cash dividends to net income (ytd only)* | 30.4782% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,774 |
| Loan loss allowance to noncurrent loans | 297.4231% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 3,137 |
| Noncurrent loans to loans | 0.5129% | 3,551 |
| Net loans and leases to total assets | 67.7639% | 2,811 |
| Net loans and leases to deposits | 74.8779% | 3,492 |
| Net loans and leases to core deposits | 80.5338% | 3,413 |
| Total domestic deposits to total assets | 90.4991% | 317 |
| Equity capital to assets | 8.9866% | 5,247 |
| Core capital (leverage) ratio | 8.5607% | 5,309 |
| Tier 1 risk-based capital ratio | 11.6985% | 5,034 |
| Total risk-based capital ratio | 12.9517% | 4,927 |
| Memoranda: | ||
| Average total assets | $339,620,000 | 1,962 |
| Average earning assets | $308,541,330 | 1,994 |
| Average equity | $29,833,000 | 2,382 |
| Average total loans | $230,068,670 | 1,912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 563 |
| Cost of funding earning assets | 0.2892% | 4,284 |
| Net interest margin | 4.7251% | 411 |
| Noninterest income to average assets | 0.7835% | 1,682 |
| Noninterest expense to average assets | 3.4524% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1347% | 1,770 |
| Return on assets (ROA) | 1.2247% | 1,585 |
| Pretax return on assets | 1.7581% | 924 |
| Return on Equity (ROE) | 14.1059% | 819 |
| Retained earnings to average equity (ytd only) | 12.0675% | 497 |
| Net charge-offs to loans | -0.0053% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9359% | 3,470 |
| Assets per employee ($millions) | 3.1915% | 5,292 |
| Cash dividends to net income (ytd only)* | 14.4509% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,156 |
| Loan loss allowance to noncurrent loans | 313.0996% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 3,787 |
| Noncurrent loans to loans | 0.4665% | 3,779 |
| Net loans and leases to total assets | 67.6774% | 2,696 |
| Net loans and leases to deposits | 74.6296% | 3,355 |
| Net loans and leases to core deposits | 78.4912% | 3,451 |
| Total domestic deposits to total assets | 90.6844% | 368 |
| Equity capital to assets | 8.8566% | 5,293 |
| Core capital (leverage) ratio | 8.5328% | 5,364 |
| Tier 1 risk-based capital ratio | 11.7069% | 5,105 |
| Total risk-based capital ratio | 12.9595% | 5,008 |
| Memoranda: | ||
| Average total assets | $339,009,500 | 1,972 |
| Average earning assets | $308,396,000 | 2,004 |
| Average equity | $29,434,500 | 2,408 |
| Average total loans | $227,830,500 | 1,930 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 702 |
| Cost of funding earning assets | 0.2853% | 4,412 |
| Net interest margin | 4.6567% | 493 |
| Noninterest income to average assets | 0.7910% | 1,824 |
| Noninterest expense to average assets | 3.6130% | 1,108 |
| Loan and lease loss provision to assets | 0.1910% | 1,158 |
| Net operating income to assets | 0.8752% | 2,999 |
| Return on assets (ROA) | 0.8801% | 3,062 |
| Pretax return on assets | 1.2173% | 2,602 |
| Return on Equity (ROE) | 10.3527% | 1,862 |
| Retained earnings to average equity (ytd only) | 8.2348% | 841 |
| Net charge-offs to loans | 0.0068% | 4,210 |
| Credit loss provision to net charge-offs | 4,471.4286% | 85 |
| Earnings coverage of net charge-offs (x) | 328.0714% | 212 |
| Efficiency ratio | 72.0501% | 2,903 |
| Assets per employee ($millions) | 3.2676% | 5,194 |
| Cash dividends to net income (ytd only)* | 20.4577% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,914 |
| Loan loss allowance to noncurrent loans | 1,712.1212% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 4,568 |
| Noncurrent loans to loans | 0.0887% | 5,143 |
| Net loans and leases to total assets | 64.7150% | 3,164 |
| Net loans and leases to deposits | 75.1511% | 3,360 |
| Net loans and leases to core deposits | 78.7397% | 3,472 |
| Total domestic deposits to total assets | 86.1132% | 2,585 |
| Equity capital to assets | 8.5404% | 5,531 |
| Core capital (leverage) ratio | 8.2861% | 5,617 |
| Tier 1 risk-based capital ratio | 11.7806% | 5,084 |
| Total risk-based capital ratio | 13.0338% | 5,002 |
| Memoranda: | ||
| Average total assets | $327,705,200 | 2,008 |
| Average earning assets | $297,224,600 | 2,034 |
| Average equity | $27,857,400 | 2,472 |
| Average total loans | $205,587,600 | 2,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 776 |
| Cost of funding earning assets | 0.2875% | 4,474 |
| Net interest margin | 4.6068% | 535 |
| Noninterest income to average assets | 0.7991% | 1,810 |
| Noninterest expense to average assets | 3.5744% | 1,162 |
| Loan and lease loss provision to assets | 0.1503% | 1,449 |
| Net operating income to assets | 0.9039% | 2,944 |
| Return on assets (ROA) | 0.9104% | 3,004 |
| Pretax return on assets | 1.2558% | 2,575 |
| Return on Equity (ROE) | 10.7231% | 1,817 |
| Retained earnings to average equity (ytd only) | 9.0786% | 876 |
| Net charge-offs to loans | 0.0066% | 3,939 |
| Credit loss provision to net charge-offs | 3,660.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 340.2768% | 216 |
| Efficiency ratio | 71.8982% | 2,902 |
| Assets per employee ($millions) | 3.2744% | 5,163 |
| Cash dividends to net income (ytd only)* | 15.3360% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 2,138 |
| Loan loss allowance to noncurrent loans | 1,598.9796% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 4,624 |
| Noncurrent loans to loans | 0.0941% | 5,252 |
| Net loans and leases to total assets | 61.4195% | 3,677 |
| Net loans and leases to deposits | 67.5421% | 4,236 |
| Net loans and leases to core deposits | 70.1304% | 4,358 |
| Total domestic deposits to total assets | 90.9352% | 260 |
| Equity capital to assets | 8.5354% | 5,692 |
| Core capital (leverage) ratio | 8.1714% | 5,801 |
| Tier 1 risk-based capital ratio | 11.8977% | 5,141 |
| Total risk-based capital ratio | 13.1502% | 5,062 |
| Memoranda: | ||
| Average total assets | $324,673,250 | 2,036 |
| Average earning assets | $294,051,000 | 2,063 |
| Average equity | $27,566,000 | 2,511 |
| Average total loans | $201,156,250 | 2,073 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 723 |
| Cost of funding earning assets | 0.2883% | 4,523 |
| Net interest margin | 4.6172% | 520 |
| Noninterest income to average assets | 0.8073% | 1,745 |
| Noninterest expense to average assets | 3.4835% | 1,327 |
| Loan and lease loss provision to assets | 0.2276% | 827 |
| Net operating income to assets | 0.9321% | 2,722 |
| Return on assets (ROA) | 0.9367% | 2,823 |
| Pretax return on assets | 1.2862% | 2,414 |
| Return on Equity (ROE) | 11.0523% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.5571% | 1,060 |
| Net charge-offs to loans | 0.0060% | 3,693 |
| Credit loss provision to net charge-offs | 6,100.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 163 |
| Efficiency ratio | 69.7944% | 3,361 |
| Assets per employee ($millions) | 3.1576% | 5,402 |
| Cash dividends to net income (ytd only)* | 22.5764% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 2,067 |
| Loan loss allowance to noncurrent loans | 705.1685% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,409 |
| Noncurrent loans to loans | 0.2208% | 4,898 |
| Net loans and leases to total assets | 61.0147% | 3,691 |
| Net loans and leases to deposits | 66.9897% | 4,224 |
| Net loans and leases to core deposits | 70.8875% | 4,236 |
| Total domestic deposits to total assets | 91.0806% | 277 |
| Equity capital to assets | 8.4880% | 5,694 |
| Core capital (leverage) ratio | 8.2184% | 5,773 |
| Tier 1 risk-based capital ratio | 12.3226% | 4,924 |
| Total risk-based capital ratio | 13.5754% | 4,822 |
| Memoranda: | ||
| Average total assets | $321,569,330 | 2,070 |
| Average earning assets | $291,391,000 | 2,100 |
| Average equity | $27,252,330 | 2,541 |
| Average total loans | $198,786,330 | 2,097 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 649 |
| Cost of funding earning assets | 0.2871% | 4,584 |
| Net interest margin | 4.6450% | 452 |
| Noninterest income to average assets | 0.8182% | 1,640 |
| Noninterest expense to average assets | 3.4453% | 1,415 |
| Loan and lease loss provision to assets | 0.3128% | 445 |
| Net operating income to assets | 0.9070% | 2,712 |
| Return on assets (ROA) | 0.9158% | 2,795 |
| Pretax return on assets | 1.3023% | 2,275 |
| Return on Equity (ROE) | 10.8142% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.0755% | 906 |
| Net charge-offs to loans | -0.0041% | 4,450 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2528% | 3,780 |
| Assets per employee ($millions) | 3.1535% | 5,479 |
| Cash dividends to net income (ytd only)* | 6.8306% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 2,345 |
| Loan loss allowance to noncurrent loans | 632.5678% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 4,539 |
| Noncurrent loans to loans | 0.2412% | 4,916 |
| Net loans and leases to total assets | 60.7951% | 3,552 |
| Net loans and leases to deposits | 66.8090% | 4,069 |
| Net loans and leases to core deposits | 70.6624% | 4,089 |
| Total domestic deposits to total assets | 90.9983% | 365 |
| Equity capital to assets | 8.5575% | 5,700 |
| Core capital (leverage) ratio | 8.2076% | 5,802 |
| Tier 1 risk-based capital ratio | 12.7131% | 4,778 |
| Total risk-based capital ratio | 13.9660% | 4,698 |
| Memoranda: | ||
| Average total assets | $319,736,500 | 2,089 |
| Average earning assets | $291,154,500 | 2,107 |
| Average equity | $27,075,500 | 2,575 |
| Average total loans | $197,390,000 | 2,110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 1,098 |
| Cost of funding earning assets | 0.3063% | 4,728 |
| Net interest margin | 4.5023% | 747 |
| Noninterest income to average assets | 0.8937% | 1,519 |
| Noninterest expense to average assets | 3.7749% | 1,023 |
| Loan and lease loss provision to assets | 0.1809% | 1,420 |
| Net operating income to assets | 0.7550% | 3,601 |
| Return on assets (ROA) | 0.7562% | 3,700 |
| Pretax return on assets | 1.0591% | 3,260 |
| Return on Equity (ROE) | 9.1768% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.4583% | 844 |
| Net charge-offs to loans | 0.0088% | 4,734 |
| Credit loss provision to net charge-offs | 3,437.5000% | 87 |
| Earnings coverage of net charge-offs (x) | 235.3125% | 232 |
| Efficiency ratio | 75.2985% | 2,625 |
| Assets per employee ($millions) | 3.0559% | 5,626 |
| Cash dividends to net income (ytd only)* | 7.8295% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 2,873 |
| Loan loss allowance to noncurrent loans | 824.3323% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 4,738 |
| Noncurrent loans to loans | 0.1718% | 5,208 |
| Net loans and leases to total assets | 60.8593% | 3,659 |
| Net loans and leases to deposits | 66.6205% | 4,253 |
| Net loans and leases to core deposits | 70.6171% | 4,267 |
| Total domestic deposits to total assets | 91.3521% | 259 |
| Equity capital to assets | 8.3776% | 5,845 |
| Core capital (leverage) ratio | 7.8429% | 6,080 |
| Tier 1 risk-based capital ratio | 10.1649% | 6,210 |
| Total risk-based capital ratio | 11.3036% | 6,194 |
| Memoranda: | ||
| Average total assets | $304,031,200 | 2,139 |
| Average earning assets | $278,192,800 | 2,143 |
| Average equity | $25,052,400 | 2,655 |
| Average total loans | $180,899,200 | 2,213 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,180 |
| Cost of funding earning assets | 0.3070% | 4,821 |
| Net interest margin | 4.4513% | 817 |
| Noninterest income to average assets | 0.8796% | 1,593 |
| Noninterest expense to average assets | 3.7339% | 1,074 |
| Loan and lease loss provision to assets | 0.1996% | 1,193 |
| Net operating income to assets | 0.7392% | 3,730 |
| Return on assets (ROA) | 0.7408% | 3,832 |
| Pretax return on assets | 1.0255% | 3,494 |
| Return on Equity (ROE) | 9.0295% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.0563% | 1,334 |
| Net charge-offs to loans | 0.0105% | 4,367 |
| Credit loss provision to net charge-offs | 3,214.2857% | 118 |
| Earnings coverage of net charge-offs (x) | 196.8886% | 326 |
| Efficiency ratio | 75.3289% | 2,613 |
| Assets per employee ($millions) | 3.0962% | 5,600 |
| Cash dividends to net income (ytd only)* | 10.7783% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 2,987 |
| Loan loss allowance to noncurrent loans | 513.4100% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 5,045 |
| Noncurrent loans to loans | 0.2808% | 5,068 |
| Net loans and leases to total assets | 56.9036% | 4,210 |
| Net loans and leases to deposits | 62.1244% | 4,727 |
| Net loans and leases to core deposits | 66.1461% | 4,692 |
| Total domestic deposits to total assets | 91.5962% | 213 |
| Equity capital to assets | 8.0017% | 6,134 |
| Core capital (leverage) ratio | 7.9827% | 6,077 |
| Tier 1 risk-based capital ratio | 12.3824% | 5,241 |
| Total risk-based capital ratio | 13.6342% | 5,171 |
| Memoranda: | ||
| Average total assets | $300,586,000 | 2,173 |
| Average earning assets | $275,330,000 | 2,174 |
| Average equity | $24,659,250 | 2,706 |
| Average total loans | $177,075,000 | 2,270 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,082 |
| Cost of funding earning assets | 0.3158% | 4,815 |
| Net interest margin | 4.4752% | 741 |
| Noninterest income to average assets | 0.8008% | 1,836 |
| Noninterest expense to average assets | 3.7343% | 1,075 |
| Loan and lease loss provision to assets | 0.3067% | 637 |
| Net operating income to assets | 0.5910% | 4,399 |
| Return on assets (ROA) | 0.5930% | 4,484 |
| Pretax return on assets | 0.8485% | 4,082 |
| Return on Equity (ROE) | 7.1633% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.2165% | 2,205 |
| Net charge-offs to loans | 0.0115% | 4,020 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 169.1000% | 369 |
| Efficiency ratio | 76.4156% | 2,550 |
| Assets per employee ($millions) | 2.8667% | 5,939 |
| Cash dividends to net income (ytd only)* | 13.2184% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 2,963 |
| Loan loss allowance to noncurrent loans | 298.5539% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 4,630 |
| Noncurrent loans to loans | 0.4983% | 4,501 |
| Net loans and leases to total assets | 59.6090% | 3,781 |
| Net loans and leases to deposits | 65.3891% | 4,337 |
| Net loans and leases to core deposits | 69.5792% | 4,307 |
| Total domestic deposits to total assets | 91.1605% | 362 |
| Equity capital to assets | 8.3944% | 5,886 |
| Core capital (leverage) ratio | 8.1515% | 5,977 |
| Tier 1 risk-based capital ratio | 12.6501% | 5,122 |
| Total risk-based capital ratio | 13.9026% | 5,057 |
| Memoranda: | ||
| Average total assets | $293,445,330 | 2,203 |
| Average earning assets | $267,918,000 | 2,223 |
| Average equity | $24,290,330 | 2,730 |
| Average total loans | $174,128,670 | 2,303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 1,048 |
| Cost of funding earning assets | 0.3185% | 4,881 |
| Net interest margin | 4.4803% | 679 |
| Noninterest income to average assets | 0.7942% | 1,778 |
| Noninterest expense to average assets | 3.6427% | 1,228 |
| Loan and lease loss provision to assets | 0.4521% | 350 |
| Net operating income to assets | 0.5538% | 4,443 |
| Return on assets (ROA) | 0.5538% | 4,515 |
| Pretax return on assets | 0.7777% | 4,189 |
| Return on Equity (ROE) | 6.7386% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.0697% | 2,504 |
| Net charge-offs to loans | 0.0117% | 3,386 |
| Credit loss provision to net charge-offs | 6,580.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 278 |
| Efficiency ratio | 74.7603% | 3,004 |
| Assets per employee ($millions) | 2.8791% | 6,003 |
| Cash dividends to net income (ytd only)* | 9.9256% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,227 |
| Loan loss allowance to noncurrent loans | 500.5848% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 5,162 |
| Noncurrent loans to loans | 0.2958% | 5,231 |
| Net loans and leases to total assets | 57.6218% | 3,911 |
| Net loans and leases to deposits | 63.0303% | 4,428 |
| Net loans and leases to core deposits | 66.6068% | 4,437 |
| Total domestic deposits to total assets | 91.4193% | 407 |
| Equity capital to assets | 8.1673% | 5,931 |
| Core capital (leverage) ratio | 8.2314% | 5,912 |
| Tier 1 risk-based capital ratio | 12.5351% | 5,292 |
| Total risk-based capital ratio | 13.7867% | 5,229 |
| Memoranda: | ||
| Average total assets | $291,099,000 | 2,224 |
| Average earning assets | $264,983,500 | 2,251 |
| Average equity | $23,922,000 | 2,764 |
| Average total loans | $170,992,500 | 2,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,851 |
| Cost of funding earning assets | 0.3128% | 5,492 |
| Net interest margin | 4.2948% | 1,120 |
| Noninterest income to average assets | 0.8864% | 1,729 |
| Noninterest expense to average assets | 3.9583% | 910 |
| Loan and lease loss provision to assets | 0.0894% | 3,326 |
| Net operating income to assets | 0.5540% | 4,485 |
| Return on assets (ROA) | 0.5642% | 4,550 |
| Pretax return on assets | 0.7629% | 4,289 |
| Return on Equity (ROE) | 6.6180% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.1399% | 4,004 |
| Net charge-offs to loans | 0.0079% | 5,297 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 187.6364% | 242 |
| Efficiency ratio | 82.5203% | 1,810 |
| Assets per employee ($millions) | 2.8565% | 6,029 |
| Cash dividends to net income (ytd only)* | 52.5558% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 3,970 |
| Loan loss allowance to noncurrent loans | 600.0000% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 5,083 |
| Noncurrent loans to loans | 0.2219% | 5,524 |
| Net loans and leases to total assets | 58.2169% | 4,005 |
| Net loans and leases to deposits | 63.7391% | 4,533 |
| Net loans and leases to core deposits | 67.6465% | 4,549 |
| Total domestic deposits to total assets | 91.3362% | 461 |
| Equity capital to assets | 8.2703% | 5,803 |
| Core capital (leverage) ratio | 8.8954% | 5,148 |
| Tier 1 risk-based capital ratio | 12.9081% | 5,043 |
| Total risk-based capital ratio | 14.1587% | 4,989 |
| Memoranda: | ||
| Average total assets | $246,167,600 | 2,566 |
| Average earning assets | $224,132,800 | 2,576 |
| Average equity | $20,988,200 | 3,041 |
| Average total loans | $138,702,400 | 2,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 1,796 |
| Cost of funding earning assets | 0.3176% | 5,574 |
| Net interest margin | 4.3137% | 1,065 |
| Noninterest income to average assets | 0.9084% | 1,727 |
| Noninterest expense to average assets | 4.1173% | 756 |
| Loan and lease loss provision to assets | 0.0395% | 4,216 |
| Net operating income to assets | 0.5174% | 4,731 |
| Return on assets (ROA) | 0.5315% | 4,817 |
| Pretax return on assets | 0.7014% | 4,686 |
| Return on Equity (ROE) | 6.1781% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,664 |
| Net charge-offs to loans | -0.0193% | 6,033 |
| Credit loss provision to net charge-offs | -368.4211% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0764% | 1,459 |
| Assets per employee ($millions) | 2.7906% | 6,169 |
| Cash dividends to net income (ytd only)* | 31.3160% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 3,207 |
| Loan loss allowance to noncurrent loans | 229.8701% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 5,027 |
| Noncurrent loans to loans | 0.6767% | 4,508 |
| Net loans and leases to total assets | 54.1264% | 4,593 |
| Net loans and leases to deposits | 59.1510% | 5,080 |
| Net loans and leases to core deposits | 62.6106% | 5,053 |
| Total domestic deposits to total assets | 91.5056% | 369 |
| Equity capital to assets | 8.0793% | 6,091 |
| Core capital (leverage) ratio | 8.6537% | 5,597 |
| Tier 1 risk-based capital ratio | 13.6961% | 4,632 |
| Total risk-based capital ratio | 14.9489% | 4,587 |
| Memoranda: | ||
| Average total assets | $236,297,250 | 2,672 |
| Average earning assets | $215,340,500 | 2,683 |
| Average equity | $20,329,250 | 3,151 |
| Average total loans | $131,243,000 | 2,854 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 1,671 |
| Cost of funding earning assets | 0.3300% | 5,566 |
| Net interest margin | 4.3327% | 971 |
| Noninterest income to average assets | 0.8748% | 1,910 |
| Noninterest expense to average assets | 4.2364% | 667 |
| Loan and lease loss provision to assets | 0.0603% | 3,801 |
| Net operating income to assets | 0.4024% | 5,210 |
| Return on assets (ROA) | 0.4228% | 5,287 |
| Pretax return on assets | 0.5382% | 5,244 |
| Return on Equity (ROE) | 4.8097% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.1649% | 4,899 |
| Net charge-offs to loans | -0.0247% | 6,043 |
| Credit loss provision to net charge-offs | -437.5000% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0931% | 1,212 |
| Assets per employee ($millions) | 2.6049% | 6,396 |
| Cash dividends to net income (ytd only)* | 54.9898% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,201 |
| Loan loss allowance to noncurrent loans | 228.5560% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 4,248 |
| Noncurrent loans to loans | 0.6944% | 4,545 |
| Net loans and leases to total assets | 56.7307% | 4,172 |
| Net loans and leases to deposits | 62.2872% | 4,700 |
| Net loans and leases to core deposits | 65.8799% | 4,701 |
| Total domestic deposits to total assets | 91.0793% | 517 |
| Equity capital to assets | 8.5579% | 5,707 |
| Core capital (leverage) ratio | 8.7225% | 5,385 |
| Tier 1 risk-based capital ratio | 13.8057% | 4,560 |
| Total risk-based capital ratio | 15.0588% | 4,524 |
| Memoranda: | ||
| Average total assets | $232,275,330 | 2,720 |
| Average earning assets | $210,905,330 | 2,734 |
| Average equity | $20,417,000 | 3,169 |
| Average total loans | $129,472,670 | 2,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,915 |
| Cost of funding earning assets | 0.3445% | 5,598 |
| Net interest margin | 4.2293% | 1,118 |
| Noninterest income to average assets | 0.8568% | 1,907 |
| Noninterest expense to average assets | 4.2461% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3265% | 5,465 |
| Return on assets (ROA) | 0.3613% | 5,442 |
| Pretax return on assets | 0.4800% | 5,321 |
| Return on Equity (ROE) | 4.0569% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.2842% | 4,277 |
| Net charge-offs to loans | 0.0094% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 447 |
| Efficiency ratio | 90.7353% | 1,081 |
| Assets per employee ($millions) | 2.5925% | 6,500 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,497 |
| Loan loss allowance to noncurrent loans | 128.2019% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 2,731 |
| Noncurrent loans to loans | 1.2301% | 3,718 |
| Net loans and leases to total assets | 54.9639% | 4,248 |
| Net loans and leases to deposits | 60.5750% | 4,726 |
| Net loans and leases to core deposits | 64.7872% | 4,669 |
| Total domestic deposits to total assets | 90.7370% | 649 |
| Equity capital to assets | 8.9722% | 5,517 |
| Core capital (leverage) ratio | 8.7249% | 5,290 |
| Tier 1 risk-based capital ratio | 14.2783% | 4,300 |
| Total risk-based capital ratio | 15.5313% | 4,271 |
| Memoranda: | ||
| Average total assets | $232,497,000 | 2,753 |
| Average earning assets | $210,151,000 | 2,772 |
| Average equity | $20,705,500 | 3,179 |
| Average total loans | $127,388,500 | 2,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 2,298 |
| Cost of funding earning assets | 0.4458% | 5,612 |
| Net interest margin | 4.3288% | 1,329 |
| Noninterest income to average assets | 0.7322% | 2,576 |
| Noninterest expense to average assets | 3.7696% | 1,300 |
| Loan and lease loss provision to assets | 0.1100% | 4,256 |
| Net operating income to assets | 0.5784% | 4,342 |
| Return on assets (ROA) | 0.6012% | 4,493 |
| Pretax return on assets | 0.8486% | 4,113 |
| Return on Equity (ROE) | 6.4949% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.8018% | 2,196 |
| Net charge-offs to loans | 0.5096% | 2,204 |
| Credit loss provision to net charge-offs | 38.1558% | 4,967 |
| Earnings coverage of net charge-offs (x) | 3.2146% | 3,823 |
| Efficiency ratio | 80.2712% | 2,110 |
| Assets per employee ($millions) | 2.8568% | 6,234 |
| Cash dividends to net income (ytd only)* | 10.6707% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,236 |
| Loan loss allowance to noncurrent loans | 255.6533% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 3,384 |
| Noncurrent loans to loans | 0.6321% | 4,944 |
| Net loans and leases to total assets | 52.8855% | 4,777 |
| Net loans and leases to deposits | 58.1589% | 5,224 |
| Net loans and leases to core deposits | 61.3567% | 5,227 |
| Total domestic deposits to total assets | 90.9327% | 525 |
| Equity capital to assets | 8.8402% | 5,697 |
| Core capital (leverage) ratio | 8.8480% | 5,101 |
| Tier 1 risk-based capital ratio | 14.4546% | 4,067 |
| Total risk-based capital ratio | 15.7078% | 4,017 |
| Memoranda: | ||
| Average total assets | $218,246,800 | 2,858 |
| Average earning assets | $199,846,800 | 2,848 |
| Average equity | $20,200,600 | 3,182 |
| Average total loans | $123,421,600 | 3,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 2,338 |
| Cost of funding earning assets | 0.4654% | 5,680 |
| Net interest margin | 4.3501% | 1,349 |
| Noninterest income to average assets | 0.8059% | 2,214 |
| Noninterest expense to average assets | 3.7688% | 1,264 |
| Loan and lease loss provision to assets | 0.1494% | 3,670 |
| Net operating income to assets | 0.6229% | 4,279 |
| Return on assets (ROA) | 0.6534% | 4,392 |
| Pretax return on assets | 0.9279% | 3,999 |
| Return on Equity (ROE) | 6.9742% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.0443% | 2,677 |
| Net charge-offs to loans | 0.3431% | 2,736 |
| Credit loss provision to net charge-offs | 75.9494% | 3,742 |
| Earnings coverage of net charge-offs (x) | 5.2564% | 3,067 |
| Efficiency ratio | 78.4761% | 2,323 |
| Assets per employee ($millions) | 2.9693% | 6,096 |
| Cash dividends to net income (ytd only)* | 13.3331% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,477 |
| Loan loss allowance to noncurrent loans | 207.4205% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 3,183 |
| Noncurrent loans to loans | 0.9157% | 4,601 |
| Net loans and leases to total assets | 54.4563% | 4,676 |
| Net loans and leases to deposits | 60.3470% | 5,165 |
| Net loans and leases to core deposits | 64.7940% | 5,073 |
| Total domestic deposits to total assets | 90.2386% | 706 |
| Equity capital to assets | 9.2980% | 5,468 |
| Core capital (leverage) ratio | 9.0129% | 5,045 |
| Tier 1 risk-based capital ratio | 14.6721% | 4,069 |
| Total risk-based capital ratio | 15.9290% | 4,028 |
| Memoranda: | ||
| Average total assets | $214,243,750 | 2,924 |
| Average earning assets | $196,834,250 | 2,904 |
| Average equity | $20,073,500 | 3,225 |
| Average total loans | $122,796,000 | 3,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 2,368 |
| Cost of funding earning assets | 0.4803% | 5,755 |
| Net interest margin | 4.3526% | 1,334 |
| Noninterest income to average assets | 0.8268% | 2,067 |
| Noninterest expense to average assets | 3.7280% | 1,328 |
| Loan and lease loss provision to assets | 0.1703% | 3,402 |
| Net operating income to assets | 0.6523% | 4,099 |
| Return on assets (ROA) | 0.6934% | 4,164 |
| Pretax return on assets | 0.9904% | 3,739 |
| Return on Equity (ROE) | 7.3807% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.9811% | 2,726 |
| Net charge-offs to loans | 0.4979% | 2,093 |
| Credit loss provision to net charge-offs | 59.0164% | 3,825 |
| Earnings coverage of net charge-offs (x) | 3.8197% | 3,257 |
| Efficiency ratio | 77.1837% | 2,567 |
| Assets per employee ($millions) | 2.8729% | 6,281 |
| Cash dividends to net income (ytd only)* | 18.9632% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,806 |
| Loan loss allowance to noncurrent loans | 208.8102% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8317% | 2,998 |
| Noncurrent loans to loans | 0.8688% | 4,761 |
| Net loans and leases to total assets | 58.5288% | 4,076 |
| Net loans and leases to deposits | 64.9353% | 4,650 |
| Net loans and leases to core deposits | 71.4560% | 4,362 |
| Total domestic deposits to total assets | 90.1341% | 850 |
| Equity capital to assets | 9.4736% | 5,099 |
| Core capital (leverage) ratio | 9.1280% | 4,723 |
| Tier 1 risk-based capital ratio | 14.3281% | 4,226 |
| Total risk-based capital ratio | 15.5846% | 4,180 |
| Memoranda: | ||
| Average total assets | $211,427,000 | 2,954 |
| Average earning assets | $194,459,330 | 2,944 |
| Average equity | $19,862,670 | 3,243 |
| Average total loans | $122,521,670 | 3,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 3,166 |
| Cost of funding earning assets | 0.4872% | 5,886 |
| Net interest margin | 4.1831% | 1,804 |
| Noninterest income to average assets | 0.8727% | 1,861 |
| Noninterest expense to average assets | 3.7715% | 1,250 |
| Loan and lease loss provision to assets | 0.1423% | 3,577 |
| Net operating income to assets | 0.5767% | 4,457 |
| Return on assets (ROA) | 0.5767% | 4,683 |
| Pretax return on assets | 0.8196% | 4,344 |
| Return on Equity (ROE) | 6.1651% | 4,206 |
| Retained earnings to average equity (ytd only) | 6.1651% | 2,859 |
| Net charge-offs to loans | 0.9467% | 1,094 |
| Credit loss provision to net charge-offs | 26.3158% | 3,686 |
| Earnings coverage of net charge-offs (x) | 1.7789% | 3,449 |
| Efficiency ratio | 79.6794% | 2,240 |
| Assets per employee ($millions) | 2.8752% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 2,892 |
| Loan loss allowance to noncurrent loans | 192.6893% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 3,108 |
| Noncurrent loans to loans | 0.9494% | 4,778 |
| Net loans and leases to total assets | 55.0990% | 4,539 |
| Net loans and leases to deposits | 60.9244% | 5,054 |
| Net loans and leases to core deposits | 67.2595% | 4,768 |
| Total domestic deposits to total assets | 90.4383% | 841 |
| Equity capital to assets | 9.2190% | 5,208 |
| Core capital (leverage) ratio | 9.0664% | 4,740 |
| Tier 1 risk-based capital ratio | 14.5045% | 4,103 |
| Total risk-based capital ratio | 15.7607% | 4,058 |
| Memoranda: | ||
| Average total assets | $210,845,000 | 2,979 |
| Average earning assets | $194,590,500 | 2,967 |
| Average equity | $19,724,000 | 3,260 |
| Average total loans | $120,419,500 | 3,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,378 |
| Cost of funding earning assets | 0.6322% | 5,916 |
| Net interest margin | 4.4868% | 1,170 |
| Noninterest income to average assets | 0.8692% | 1,773 |
| Noninterest expense to average assets | 3.9541% | 1,108 |
| Loan and lease loss provision to assets | 0.1104% | 5,207 |
| Net operating income to assets | 0.6356% | 3,807 |
| Return on assets (ROA) | 0.6400% | 3,982 |
| Pretax return on assets | 0.9252% | 3,536 |
| Return on Equity (ROE) | 6.9876% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.9876% | 1,513 |
| Net charge-offs to loans | 0.1776% | 4,728 |
| Credit loss provision to net charge-offs | 101.8100% | 3,411 |
| Earnings coverage of net charge-offs (x) | 9.4887% | 1,971 |
| Efficiency ratio | 79.3460% | 2,397 |
| Assets per employee ($millions) | 2.7844% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,199 |
| Loan loss allowance to noncurrent loans | 81.6987% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.7013% | 2,252 |
| Noncurrent loans to loans | 2.4764% | 2,657 |
| Net loans and leases to total assets | 56.9695% | 4,550 |
| Net loans and leases to deposits | 63.1754% | 5,100 |
| Net loans and leases to core deposits | 70.5803% | 4,709 |
| Total domestic deposits to total assets | 90.1766% | 890 |
| Equity capital to assets | 9.4968% | 4,896 |
| Core capital (leverage) ratio | 8.9786% | 4,824 |
| Tier 1 risk-based capital ratio | 14.6641% | 3,859 |
| Total risk-based capital ratio | 15.9226% | 3,833 |
| Memoranda: | ||
| Average total assets | $203,739,800 | 3,012 |
| Average earning assets | $186,815,400 | 3,002 |
| Average equity | $18,661,600 | 3,332 |
| Average total loans | $124,466,600 | 3,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 2,295 |
| Cost of funding earning assets | 0.6651% | 5,963 |
| Net interest margin | 4.5103% | 1,125 |
| Noninterest income to average assets | 0.8991% | 1,657 |
| Noninterest expense to average assets | 3.8339% | 1,260 |
| Loan and lease loss provision to assets | 0.1477% | 4,602 |
| Net operating income to assets | 0.7168% | 3,521 |
| Return on assets (ROA) | 0.7226% | 3,676 |
| Pretax return on assets | 1.0559% | 3,187 |
| Return on Equity (ROE) | 7.9629% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.9629% | 1,520 |
| Net charge-offs to loans | 0.1740% | 4,409 |
| Credit loss provision to net charge-offs | 137.1951% | 2,321 |
| Earnings coverage of net charge-offs (x) | 11.1037% | 1,843 |
| Efficiency ratio | 76.2365% | 2,811 |
| Assets per employee ($millions) | 2.7963% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 2,031 |
| Loan loss allowance to noncurrent loans | 86.7483% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.5894% | 2,491 |
| Noncurrent loans to loans | 2.4404% | 2,832 |
| Net loans and leases to total assets | 53.9768% | 5,164 |
| Net loans and leases to deposits | 59.6291% | 5,674 |
| Net loans and leases to core deposits | 66.6341% | 5,349 |
| Total domestic deposits to total assets | 90.5209% | 629 |
| Equity capital to assets | 9.1233% | 5,614 |
| Core capital (leverage) ratio | 8.9957% | 4,935 |
| Tier 1 risk-based capital ratio | 14.4499% | 4,012 |
| Total risk-based capital ratio | 15.7091% | 3,975 |
| Memoranda: | ||
| Average total assets | $203,162,500 | 3,041 |
| Average earning assets | $186,028,500 | 3,022 |
| Average equity | $18,435,000 | 3,365 |
| Average total loans | $125,631,000 | 3,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 1,918 |
| Cost of funding earning assets | 0.6993% | 5,967 |
| Net interest margin | 4.5916% | 920 |
| Noninterest income to average assets | 0.8808% | 1,715 |
| Noninterest expense to average assets | 3.9082% | 1,178 |
| Loan and lease loss provision to assets | 0.1500% | 4,434 |
| Net operating income to assets | 0.7167% | 3,461 |
| Return on assets (ROA) | 0.7258% | 3,531 |
| Pretax return on assets | 1.0308% | 3,117 |
| Return on Equity (ROE) | 8.0146% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.0146% | 1,458 |
| Net charge-offs to loans | 0.1557% | 4,251 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 11.6800% | 1,689 |
| Efficiency ratio | 76.9943% | 2,863 |
| Assets per employee ($millions) | 2.5678% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 2,434 |
| Loan loss allowance to noncurrent loans | 68.0816% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 3.3273% | 1,994 |
| Noncurrent loans to loans | 2.9044% | 2,512 |
| Net loans and leases to total assets | 61.1349% | 4,067 |
| Net loans and leases to deposits | 67.6984% | 4,757 |
| Net loans and leases to core deposits | 74.8106% | 4,465 |
| Total domestic deposits to total assets | 90.3048% | 812 |
| Equity capital to assets | 9.3512% | 5,075 |
| Core capital (leverage) ratio | 8.9671% | 4,778 |
| Tier 1 risk-based capital ratio | 13.6193% | 4,440 |
| Total risk-based capital ratio | 14.8772% | 4,418 |
| Memoranda: | ||
| Average total assets | $200,043,000 | 3,101 |
| Average earning assets | $182,767,000 | 3,089 |
| Average equity | $18,117,000 | 3,397 |
| Average total loans | $128,443,670 | 3,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 2,022 |
| Cost of funding earning assets | 0.7128% | 6,061 |
| Net interest margin | 4.5437% | 973 |
| Noninterest income to average assets | 0.8443% | 1,870 |
| Noninterest expense to average assets | 3.7074% | 1,520 |
| Loan and lease loss provision to assets | 0.1501% | 4,142 |
| Net operating income to assets | 0.7863% | 3,097 |
| Return on assets (ROA) | 0.7863% | 3,165 |
| Pretax return on assets | 1.1444% | 2,588 |
| Return on Equity (ROE) | 8.8260% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8260% | 1,438 |
| Net charge-offs to loans | 0.0338% | 4,625 |
| Credit loss provision to net charge-offs | 681.8182% | 553 |
| Earnings coverage of net charge-offs (x) | 58.8182% | 507 |
| Efficiency ratio | 74.1200% | 3,491 |
| Assets per employee ($millions) | 2.5345% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,650 |
| Loan loss allowance to noncurrent loans | 58.6998% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3897% | 2,013 |
| Noncurrent loans to loans | 3.2572% | 2,309 |
| Net loans and leases to total assets | 62.8243% | 3,693 |
| Net loans and leases to deposits | 69.2971% | 4,469 |
| Net loans and leases to core deposits | 76.0694% | 4,293 |
| Total domestic deposits to total assets | 90.6594% | 779 |
| Equity capital to assets | 8.8987% | 5,347 |
| Core capital (leverage) ratio | 8.8543% | 4,844 |
| Tier 1 risk-based capital ratio | 12.7449% | 5,020 |
| Total risk-based capital ratio | 14.0021% | 4,991 |
| Memoranda: | ||
| Average total assets | $199,922,000 | 3,114 |
| Average earning assets | $182,934,500 | 3,098 |
| Average equity | $17,811,000 | 3,429 |
| Average total loans | $130,208,500 | 3,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 3,411 |
| Cost of funding earning assets | 0.8539% | 6,357 |
| Net interest margin | 4.3860% | 1,528 |
| Noninterest income to average assets | 1.0123% | 1,466 |
| Noninterest expense to average assets | 4.0676% | 1,069 |
| Loan and lease loss provision to assets | 0.5584% | 2,893 |
| Net operating income to assets | 0.4701% | 4,230 |
| Return on assets (ROA) | 0.5333% | 4,105 |
| Pretax return on assets | 0.4555% | 4,776 |
| Return on Equity (ROE) | 6.7441% | 3,242 |
| Retained earnings to average equity (ytd only) | 2.5431% | 4,092 |
| Net charge-offs to loans | 0.4633% | 3,764 |
| Credit loss provision to net charge-offs | 174.9591% | 1,913 |
| Earnings coverage of net charge-offs (x) | 2.9787% | 3,582 |
| Efficiency ratio | 81.0555% | 2,283 |
| Assets per employee ($millions) | 2.5932% | 6,869 |
| Cash dividends to net income (ytd only)* | 62.2919% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,682 |
| Loan loss allowance to noncurrent loans | 48.3806% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.2138% | 2,203 |
| Noncurrent loans to loans | 3.8314% | 1,923 |
| Net loans and leases to total assets | 65.0136% | 3,658 |
| Net loans and leases to deposits | 71.6466% | 4,576 |
| Net loans and leases to core deposits | 75.3877% | 4,802 |
| Total domestic deposits to total assets | 90.7421% | 720 |
| Equity capital to assets | 8.9195% | 5,259 |
| Core capital (leverage) ratio | 9.1853% | 4,195 |
| Tier 1 risk-based capital ratio | 12.6545% | 4,891 |
| Total risk-based capital ratio | 13.9113% | 4,863 |
| Memoranda: | ||
| Average total assets | $191,440,800 | 3,207 |
| Average earning assets | $174,852,400 | 3,189 |
| Average equity | $15,139,200 | 3,919 |
| Average total loans | $131,866,000 | 3,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 3,225 |
| Cost of funding earning assets | 0.8902% | 6,432 |
| Net interest margin | 4.4366% | 1,408 |
| Noninterest income to average assets | 1.0223% | 1,408 |
| Noninterest expense to average assets | 3.9375% | 1,141 |
| Loan and lease loss provision to assets | 0.5648% | 2,682 |
| Net operating income to assets | 0.5690% | 4,009 |
| Return on assets (ROA) | 0.6504% | 3,811 |
| Pretax return on assets | 0.6504% | 4,421 |
| Return on Equity (ROE) | 8.5068% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.9916% | 4,341 |
| Net charge-offs to loans | 0.5900% | 2,972 |
| Credit loss provision to net charge-offs | 137.6068% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.7624% | 3,764 |
| Efficiency ratio | 77.6425% | 2,670 |
| Assets per employee ($millions) | 2.3394% | 7,266 |
| Cash dividends to net income (ytd only)* | 64.8325% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,200 |
| Loan loss allowance to noncurrent loans | 65.1732% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 2,922 |
| Noncurrent loans to loans | 2.5849% | 3,042 |
| Net loans and leases to total assets | 67.2002% | 3,409 |
| Net loans and leases to deposits | 73.1859% | 4,655 |
| Net loans and leases to core deposits | 77.2416% | 4,896 |
| Total domestic deposits to total assets | 91.8213% | 225 |
| Equity capital to assets | 7.8156% | 6,923 |
| Core capital (leverage) ratio | 7.6065% | 6,762 |
| Tier 1 risk-based capital ratio | 10.5549% | 6,739 |
| Total risk-based capital ratio | 11.8096% | 6,718 |
| Memoranda: | ||
| Average total assets | $190,029,750 | 3,273 |
| Average earning assets | $173,430,250 | 3,260 |
| Average equity | $14,529,250 | 4,092 |
| Average total loans | $132,194,500 | 3,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3062% | 3,442 |
| Cost of funding earning assets | 0.9138% | 6,525 |
| Net interest margin | 4.3924% | 1,469 |
| Noninterest income to average assets | 1.0241% | 1,300 |
| Noninterest expense to average assets | 3.9388% | 1,123 |
| Loan and lease loss provision to assets | 0.5310% | 2,664 |
| Net operating income to assets | 0.5573% | 4,047 |
| Return on assets (ROA) | 0.6740% | 3,661 |
| Pretax return on assets | 0.6740% | 4,331 |
| Return on Equity (ROE) | 8.8808% | 2,515 |
| Retained earnings to average equity (ytd only) | 2.3553% | 4,663 |
| Net charge-offs to loans | 0.7048% | 2,456 |
| Credit loss provision to net charge-offs | 107.6759% | 3,786 |
| Earnings coverage of net charge-offs (x) | 2.2068% | 3,909 |
| Efficiency ratio | 78.3518% | 2,668 |
| Assets per employee ($millions) | 2.2988% | 7,352 |
| Cash dividends to net income (ytd only)* | 73.4789% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,818 |
| Loan loss allowance to noncurrent loans | 87.4781% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 4,568 |
| Noncurrent loans to loans | 1.7379% | 4,077 |
| Net loans and leases to total assets | 69.5071% | 3,015 |
| Net loans and leases to deposits | 75.7604% | 4,373 |
| Net loans and leases to core deposits | 80.0583% | 4,690 |
| Total domestic deposits to total assets | 91.7460% | 273 |
| Equity capital to assets | 7.9199% | 6,835 |
| Core capital (leverage) ratio | 7.5183% | 6,810 |
| Tier 1 risk-based capital ratio | 10.4483% | 6,725 |
| Total risk-based capital ratio | 11.7010% | 6,706 |
| Memoranda: | ||
| Average total assets | $190,209,000 | 3,297 |
| Average earning assets | $173,344,670 | 3,285 |
| Average equity | $14,435,670 | 4,105 |
| Average total loans | $133,085,670 | 3,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 3,287 |
| Cost of funding earning assets | 0.9340% | 6,638 |
| Net interest margin | 4.4183% | 1,339 |
| Noninterest income to average assets | 0.9510% | 1,449 |
| Noninterest expense to average assets | 3.8624% | 1,226 |
| Loan and lease loss provision to assets | 0.4994% | 2,500 |
| Net operating income to assets | 0.6056% | 3,870 |
| Return on assets (ROA) | 0.6056% | 4,022 |
| Pretax return on assets | 0.6056% | 4,583 |
| Return on Equity (ROE) | 8.1513% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.3529% | 4,730 |
| Net charge-offs to loans | 0.0866% | 4,555 |
| Credit loss provision to net charge-offs | 827.5862% | 554 |
| Earnings coverage of net charge-offs (x) | 18.3103% | 1,239 |
| Efficiency ratio | 77.7545% | 2,936 |
| Assets per employee ($millions) | 2.3132% | 7,448 |
| Cash dividends to net income (ytd only)* | 71.1340% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,319 |
| Loan loss allowance to noncurrent loans | 61.9441% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9122% | 3,614 |
| Noncurrent loans to loans | 2.6340% | 3,034 |
| Net loans and leases to total assets | 69.0683% | 3,141 |
| Net loans and leases to deposits | 75.0405% | 4,569 |
| Net loans and leases to core deposits | 78.8777% | 4,911 |
| Total domestic deposits to total assets | 92.0413% | 232 |
| Equity capital to assets | 7.5955% | 6,995 |
| Core capital (leverage) ratio | 7.3005% | 7,030 |
| Tier 1 risk-based capital ratio | 9.8081% | 7,150 |
| Total risk-based capital ratio | 11.0184% | 7,169 |
| Memoranda: | ||
| Average total assets | $192,213,000 | 3,334 |
| Average earning assets | $174,726,500 | 3,325 |
| Average equity | $14,280,000 | 4,169 |
| Average total loans | $133,918,000 | 3,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0561% | 1,655 |
| Cost of funding earning assets | 1.2293% | 6,552 |
| Net interest margin | 4.8268% | 653 |
| Noninterest income to average assets | 1.0630% | 1,361 |
| Noninterest expense to average assets | 4.1428% | 1,170 |
| Loan and lease loss provision to assets | 0.4931% | 3,908 |
| Net operating income to assets | 0.7885% | 2,575 |
| Return on assets (ROA) | 1.2832% | 1,118 |
| Pretax return on assets | 1.2832% | 1,741 |
| Return on Equity (ROE) | 16.8693% | 466 |
| Retained earnings to average equity (ytd only) | 8.2578% | 637 |
| Net charge-offs to loans | 0.2450% | 5,088 |
| Credit loss provision to net charge-offs | 278.8820% | 1,227 |
| Earnings coverage of net charge-offs (x) | 7.2484% | 2,190 |
| Efficiency ratio | 76.3741% | 3,463 |
| Assets per employee ($millions) | 2.3750% | 7,387 |
| Cash dividends to net income (ytd only)* | 51.0484% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,937 |
| Loan loss allowance to noncurrent loans | 48.3251% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1459% | 3,211 |
| Noncurrent loans to loans | 3.0151% | 2,557 |
| Net loans and leases to total assets | 68.1361% | 3,676 |
| Net loans and leases to deposits | 73.7786% | 5,080 |
| Net loans and leases to core deposits | 91.7446% | 4,921 |
| Total domestic deposits to total assets | 92.3521% | 208 |
| Equity capital to assets | 7.2674% | 7,221 |
| Core capital (leverage) ratio | 7.1994% | 7,074 |
| Tier 1 risk-based capital ratio | 9.9513% | 6,918 |
| Total risk-based capital ratio | 11.2030% | 6,890 |
| Memoranda: | ||
| Average total assets | $182,121,600 | 3,407 |
| Average earning assets | $164,560,600 | 3,432 |
| Average equity | $13,853,600 | 4,299 |
| Average total loans | $131,423,400 | 3,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2226% | 1,316 |
| Cost of funding earning assets | 1.2733% | 6,646 |
| Net interest margin | 4.9494% | 499 |
| Noninterest income to average assets | 1.0557% | 1,429 |
| Noninterest expense to average assets | 4.1094% | 1,128 |
| Loan and lease loss provision to assets | 0.3576% | 4,177 |
| Net operating income to assets | 1.0542% | 1,883 |
| Return on assets (ROA) | 1.4222% | 1,042 |
| Pretax return on assets | 1.4222% | 1,639 |
| Return on Equity (ROE) | 18.4724% | 408 |
| Retained earnings to average equity (ytd only) | 7.3154% | 1,392 |
| Net charge-offs to loans | 0.1225% | 5,474 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 15.7913% | 1,515 |
| Efficiency ratio | 74.4299% | 3,797 |
| Assets per employee ($millions) | 2.3102% | 7,493 |
| Cash dividends to net income (ytd only)* | 60.3979% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,400 |
| Loan loss allowance to noncurrent loans | 83.3413% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 4,738 |
| Noncurrent loans to loans | 1.5795% | 4,269 |
| Net loans and leases to total assets | 69.0921% | 3,691 |
| Net loans and leases to deposits | 75.2044% | 5,178 |
| Net loans and leases to core deposits | 93.7734% | 5,036 |
| Total domestic deposits to total assets | 91.8724% | 191 |
| Equity capital to assets | 7.5744% | 7,244 |
| Core capital (leverage) ratio | 7.4289% | 7,050 |
| Tier 1 risk-based capital ratio | 10.0448% | 6,935 |
| Total risk-based capital ratio | 11.2953% | 6,886 |
| Memoranda: | ||
| Average total assets | $178,965,250 | 3,482 |
| Average earning assets | $161,471,000 | 3,519 |
| Average equity | $13,778,750 | 4,341 |
| Average total loans | $130,615,500 | 3,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3276% | 1,143 |
| Cost of funding earning assets | 1.3016% | 6,802 |
| Net interest margin | 5.0261% | 406 |
| Noninterest income to average assets | 1.0326% | 1,492 |
| Noninterest expense to average assets | 4.2172% | 1,050 |
| Loan and lease loss provision to assets | 0.3761% | 3,671 |
| Net operating income to assets | 0.9859% | 2,163 |
| Return on assets (ROA) | 0.9859% | 2,258 |
| Pretax return on assets | 0.9859% | 3,063 |
| Return on Equity (ROE) | 12.7312% | 1,236 |
| Retained earnings to average equity (ytd only) | -3.6501% | 6,076 |
| Net charge-offs to loans | 0.1508% | 4,681 |
| Credit loss provision to net charge-offs | 336.7347% | 1,380 |
| Earnings coverage of net charge-offs (x) | 12.1939% | 1,838 |
| Efficiency ratio | 75.5873% | 3,771 |
| Assets per employee ($millions) | 2.1929% | 7,683 |
| Cash dividends to net income (ytd only)* | 128.6705% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,970 |
| Loan loss allowance to noncurrent loans | 329.5316% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,785 |
| Noncurrent loans to loans | 0.3632% | 6,605 |
| Net loans and leases to total assets | 75.1885% | 2,394 |
| Net loans and leases to deposits | 82.5734% | 4,125 |
| Net loans and leases to core deposits | 106.5933% | 3,768 |
| Total domestic deposits to total assets | 91.0565% | 436 |
| Equity capital to assets | 7.6672% | 7,117 |
| Core capital (leverage) ratio | 7.0767% | 7,482 |
| Tier 1 risk-based capital ratio | 9.4830% | 7,400 |
| Total risk-based capital ratio | 10.6825% | 7,412 |
| Memoranda: | ||
| Average total assets | $175,473,670 | 3,548 |
| Average earning assets | $158,732,000 | 3,586 |
| Average equity | $13,588,670 | 4,401 |
| Average total loans | $129,942,670 | 3,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1728% | 1,679 |
| Cost of funding earning assets | 1.3264% | 6,944 |
| Net interest margin | 4.8465% | 553 |
| Noninterest income to average assets | 1.0000% | 1,486 |
| Noninterest expense to average assets | 4.0459% | 1,131 |
| Loan and lease loss provision to assets | 0.3440% | 3,266 |
| Net operating income to assets | 0.9931% | 2,338 |
| Return on assets (ROA) | 0.9931% | 2,473 |
| Pretax return on assets | 0.9931% | 3,370 |
| Return on Equity (ROE) | 12.7602% | 1,447 |
| Retained earnings to average equity (ytd only) | -12.8191% | 7,312 |
| Net charge-offs to loans | 0.1822% | 3,544 |
| Credit loss provision to net charge-offs | 258.6207% | 1,823 |
| Earnings coverage of net charge-offs (x) | 10.0517% | 1,985 |
| Efficiency ratio | 75.1598% | 3,628 |
| Assets per employee ($millions) | 2.2086% | 7,702 |
| Cash dividends to net income (ytd only)* | 200.4619% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,293 |
| Loan loss allowance to noncurrent loans | 63.8997% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2929% | 4,097 |
| Noncurrent loans to loans | 1.7602% | 3,627 |
| Net loans and leases to total assets | 72.6274% | 3,087 |
| Net loans and leases to deposits | 79.9913% | 4,615 |
| Net loans and leases to core deposits | 104.3322% | 4,105 |
| Total domestic deposits to total assets | 90.7942% | 482 |
| Equity capital to assets | 7.5171% | 7,339 |
| Core capital (leverage) ratio | 6.9743% | 7,649 |
| Tier 1 risk-based capital ratio | 9.3709% | 7,529 |
| Total risk-based capital ratio | 10.4966% | 7,612 |
| Memoranda: | ||
| Average total assets | $174,397,000 | 3,584 |
| Average earning assets | $157,723,000 | 3,619 |
| Average equity | $13,573,500 | 4,428 |
| Average total loans | $127,327,500 | 3,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0788% | 949 |
| Cost of funding earning assets | 1.7518% | 7,130 |
| Net interest margin | 5.3270% | 271 |
| Noninterest income to average assets | 1.2168% | 1,004 |
| Noninterest expense to average assets | 4.3490% | 992 |
| Loan and lease loss provision to assets | 0.3716% | 3,452 |
| Net operating income to assets | 1.2924% | 1,500 |
| Return on assets (ROA) | 1.4299% | 1,120 |
| Pretax return on assets | 1.4299% | 1,870 |
| Return on Equity (ROE) | 18.7073% | 474 |
| Retained earnings to average equity (ytd only) | 8.5799% | 684 |
| Net charge-offs to loans | 0.1923% | 4,266 |
| Credit loss provision to net charge-offs | 284.3602% | 1,600 |
| Earnings coverage of net charge-offs (x) | 12.7346% | 2,217 |
| Efficiency ratio | 72.3275% | 3,876 |
| Assets per employee ($millions) | 2.2064% | 7,695 |
| Cash dividends to net income (ytd only)* | 54.1360% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,102 |
| Loan loss allowance to noncurrent loans | 479.5848% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 6,696 |
| Noncurrent loans to loans | 0.2345% | 6,679 |
| Net loans and leases to total assets | 71.7274% | 3,645 |
| Net loans and leases to deposits | 79.9299% | 5,058 |
| Net loans and leases to core deposits | 104.7329% | 4,327 |
| Total domestic deposits to total assets | 89.7378% | 753 |
| Equity capital to assets | 8.0632% | 6,756 |
| Core capital (leverage) ratio | 7.7150% | 6,902 |
| Tier 1 risk-based capital ratio | 10.3460% | 6,370 |
| Total risk-based capital ratio | 11.4680% | 6,361 |
| Memoranda: | ||
| Average total assets | $161,483,800 | 3,698 |
| Average earning assets | $145,392,000 | 3,732 |
| Average equity | $12,342,800 | 4,743 |
| Average total loans | $109,749,400 | 3,680 |