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 | 5.7914% | 844 |
| Cost of funding earning assets | 1.2596% | 2,633 |
| Net interest margin | 4.5318% | 583 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.7063% | 463 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1475% | 1,791 |
| Return on assets (ROA) | 1.1475% | 1,761 |
| Pretax return on assets | 1.1475% | 2,268 |
| Return on Equity (ROE) | 13.7200% | 1,554 |
| Retained earnings to average equity (ytd only) | 8.5395% | 1,382 |
| Net charge-offs to loans | 0.0313% | 1,670 |
| Credit loss provision to net charge-offs | 314.6853% | 922 |
| Earnings coverage of net charge-offs (x) | 55.9510% | 1,228 |
| Efficiency ratio | 75.2972% | 1,324 |
| Assets per employee ($millions) | 4.1438% | 4,109 |
| Cash dividends to net income (ytd only)* | 37.7433% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 731 |
| Loan loss allowance to noncurrent loans | 1,333.3893% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,310 |
| Noncurrent loans to loans | 0.1247% | 2,892 |
| Net loans and leases to total assets | 69.5900% | 1,856 |
| Net loans and leases to deposits | 84.2081% | 1,760 |
| Net loans and leases to core deposits | 95.7241% | 1,669 |
| Total domestic deposits to total assets | 82.6400% | 2,974 |
| Equity capital to assets | 8.8836% | 2,758 |
| Core capital (leverage) ratio | 10.1629% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3251% | 1,437 |
| Memoranda: | ||
| Average total assets | $658,022,200 | 1,367 |
| Average earning assets | $617,432,600 | 1,346 |
| Average equity | $55,050,200 | 1,487 |
| Average total loans | $457,579,200 | 1,332 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 826 |
| Cost of funding earning assets | 1.1052% | 2,724 |
| Net interest margin | 4.5675% | 560 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.7084% | 445 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2118% | 1,766 |
| Return on assets (ROA) | 1.2118% | 1,753 |
| Pretax return on assets | 1.2118% | 2,272 |
| Return on Equity (ROE) | 14.7200% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.0035% | 1,157 |
| Net charge-offs to loans | 0.0106% | 2,006 |
| Credit loss provision to net charge-offs | 833.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 173.3611% | 661 |
| Efficiency ratio | 74.4452% | 1,324 |
| Assets per employee ($millions) | 4.0304% | 4,154 |
| Cash dividends to net income (ytd only)* | 25.2483% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 767 |
| Loan loss allowance to noncurrent loans | 725.1376% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 1,977 |
| Noncurrent loans to loans | 0.2292% | 2,431 |
| Net loans and leases to total assets | 69.9100% | 1,837 |
| Net loans and leases to deposits | 81.3542% | 1,948 |
| Net loans and leases to core deposits | 90.3904% | 1,905 |
| Total domestic deposits to total assets | 85.9300% | 2,219 |
| Equity capital to assets | 7.8004% | 3,180 |
| Core capital (leverage) ratio | 10.1683% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1192% | 1,526 |
| Memoranda: | ||
| Average total assets | $653,668,250 | 1,370 |
| Average earning assets | $613,590,750 | 1,351 |
| Average equity | $53,812,000 | 1,508 |
| Average total loans | $452,478,250 | 1,332 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 810 |
| Cost of funding earning assets | 0.9268% | 2,843 |
| Net interest margin | 4.5910% | 540 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.6997% | 438 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2573% | 1,673 |
| Return on assets (ROA) | 1.2573% | 1,665 |
| Pretax return on assets | 1.2573% | 2,199 |
| Return on Equity (ROE) | 15.0000% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.3222% | 1,121 |
| Net charge-offs to loans | 0.0094% | 1,852 |
| Credit loss provision to net charge-offs | 714.2857% | 511 |
| Earnings coverage of net charge-offs (x) | 201.2857% | 602 |
| Efficiency ratio | 73.9460% | 1,351 |
| Assets per employee ($millions) | 4.0726% | 4,155 |
| Cash dividends to net income (ytd only)* | 24.5278% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 793 |
| Loan loss allowance to noncurrent loans | 667.4399% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,851 |
| Noncurrent loans to loans | 0.2506% | 2,260 |
| Net loans and leases to total assets | 68.3700% | 1,930 |
| Net loans and leases to deposits | 80.1626% | 1,962 |
| Net loans and leases to core deposits | 86.3755% | 2,042 |
| Total domestic deposits to total assets | 85.2900% | 2,463 |
| Equity capital to assets | 8.3677% | 2,976 |
| Core capital (leverage) ratio | 10.1233% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9907% | 1,577 |
| Memoranda: | ||
| Average total assets | $648,542,333 | 1,378 |
| Average earning assets | $608,322,333 | 1,362 |
| Average equity | $54,353,333 | 1,499 |
| Average total loans | $444,757,000 | 1,332 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 678 |
| Cost of funding earning assets | 0.6551% | 3,204 |
| Net interest margin | 4.7845% | 382 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 3.7761% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3436% | 1,559 |
| Return on assets (ROA) | 1.3436% | 1,530 |
| Pretax return on assets | 1.3436% | 2,044 |
| Return on Equity (ROE) | 16.0200% | 1,350 |
| Retained earnings to average equity (ytd only) | 12.2868% | 1,216 |
| Net charge-offs to loans | 0.0046% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 429.2000% | 260 |
| Efficiency ratio | 73.7557% | 1,368 |
| Assets per employee ($millions) | 3.9695% | 4,270 |
| Cash dividends to net income (ytd only)* | 23.2992% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 797 |
| Loan loss allowance to noncurrent loans | 777.4949% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,575 |
| Noncurrent loans to loans | 0.2199% | 2,377 |
| Net loans and leases to total assets | 67.8300% | 1,855 |
| Net loans and leases to deposits | 80.3169% | 1,795 |
| Net loans and leases to core deposits | 85.4249% | 1,901 |
| Total domestic deposits to total assets | 84.4500% | 2,984 |
| Equity capital to assets | 8.5835% | 2,826 |
| Core capital (leverage) ratio | 10.2331% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9306% | 1,649 |
| Memoranda: | ||
| Average total assets | $638,863,000 | 1,415 |
| Average earning assets | $599,020,500 | 1,403 |
| Average equity | $53,586,000 | 1,524 |
| Average total loans | $434,920,000 | 1,368 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 282 |
| Cost of funding earning assets | 0.1663% | 4,022 |
| Net interest margin | 4.8768% | 158 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 3.7436% | 404 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4239% | 1,066 |
| Return on assets (ROA) | 1.4239% | 1,030 |
| Pretax return on assets | 1.4239% | 1,701 |
| Return on Equity (ROE) | 16.3600% | 987 |
| Retained earnings to average equity (ytd only) | 9.8935% | 1,195 |
| Net charge-offs to loans | 0.0126% | 1,911 |
| Credit loss provision to net charge-offs | 1,586.5385% | 308 |
| Earnings coverage of net charge-offs (x) | 184.4423% | 690 |
| Efficiency ratio | 70.6131% | 1,607 |
| Assets per employee ($millions) | 3.7994% | 4,350 |
| Cash dividends to net income (ytd only)* | 39.5277% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 656 |
| Loan loss allowance to noncurrent loans | 866.2132% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,612 |
| Noncurrent loans to loans | 0.2084% | 2,454 |
| Net loans and leases to total assets | 65.9100% | 2,052 |
| Net loans and leases to deposits | 73.7395% | 2,275 |
| Net loans and leases to core deposits | 77.4225% | 2,322 |
| Total domestic deposits to total assets | 89.3800% | 1,609 |
| Equity capital to assets | 8.1868% | 2,942 |
| Core capital (leverage) ratio | 10.2592% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2076% | 1,563 |
| Memoranda: | ||
| Average total assets | $615,618,600 | 1,444 |
| Average earning assets | $575,024,400 | 1,437 |
| Average equity | $53,580,600 | 1,531 |
| Average total loans | $411,293,000 | 1,360 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 222 |
| Cost of funding earning assets | 0.1358% | 3,980 |
| Net interest margin | 4.8297% | 141 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.7302% | 397 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.3905% | 1,118 |
| Return on assets (ROA) | 1.3905% | 1,087 |
| Pretax return on assets | 1.3905% | 1,740 |
| Return on Equity (ROE) | 15.7400% | 1,028 |
| Retained earnings to average equity (ytd only) | 12.0366% | 783 |
| Net charge-offs to loans | 0.0069% | 1,900 |
| Credit loss provision to net charge-offs | 3,928.5714% | 141 |
| Earnings coverage of net charge-offs (x) | 343.1429% | 431 |
| Efficiency ratio | 70.3749% | 1,715 |
| Assets per employee ($millions) | 3.7052% | 4,429 |
| Cash dividends to net income (ytd only)* | 23.5073% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 588 |
| Loan loss allowance to noncurrent loans | 851.3873% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 1,609 |
| Noncurrent loans to loans | 0.2244% | 2,491 |
| Net loans and leases to total assets | 63.6500% | 2,121 |
| Net loans and leases to deposits | 69.4289% | 2,417 |
| Net loans and leases to core deposits | 72.8548% | 2,429 |
| Total domestic deposits to total assets | 91.6700% | 983 |
| Equity capital to assets | 7.7049% | 3,086 |
| Core capital (leverage) ratio | 10.2336% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7768% | 1,486 |
| Memoranda: | ||
| Average total assets | $611,849,000 | 1,459 |
| Average earning assets | $571,227,000 | 1,452 |
| Average equity | $54,067,250 | 1,531 |
| Average total loans | $408,284,750 | 1,357 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 196 |
| Cost of funding earning assets | 0.1279% | 3,866 |
| Net interest margin | 4.7668% | 136 |
| Noninterest income to average assets | 0.7832% | 1,089 |
| Noninterest expense to average assets | 3.6201% | 390 |
| Loan and lease loss provision to assets | 0.1969% | 424 |
| Net operating income to assets | 1.4158% | 871 |
| Return on assets (ROA) | 1.4158% | 850 |
| Pretax return on assets | 1.4158% | 1,392 |
| Return on Equity (ROE) | 15.3565% | 823 |
| Retained earnings to average equity (ytd only) | 11.7976% | 637 |
| Net charge-offs to loans | -0.0049% | 3,332 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1811% | 2,080 |
| Assets per employee ($millions) | 3.7282% | 4,481 |
| Cash dividends to net income (ytd only)* | 23.1750% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 810 |
| Loan loss allowance to noncurrent loans | 677.8785% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,516 |
| Noncurrent loans to loans | 0.2664% | 2,412 |
| Net loans and leases to total assets | 66.0921% | 1,676 |
| Net loans and leases to deposits | 72.7313% | 1,980 |
| Net loans and leases to core deposits | 76.5512% | 1,967 |
| Total domestic deposits to total assets | 90.8716% | 1,292 |
| Equity capital to assets | 8.4219% | 2,820 |
| Core capital (leverage) ratio | 10.0699% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8783% | 1,744 |
| Memoranda: | ||
| Average total assets | $609,541,333 | 1,478 |
| Average earning assets | $568,977,333 | 1,471 |
| Average equity | $56,197,667 | 1,521 |
| Average total loans | $410,543,000 | 1,349 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 200 |
| Cost of funding earning assets | 0.1261% | 3,823 |
| Net interest margin | 4.6825% | 141 |
| Noninterest income to average assets | 0.7476% | 1,177 |
| Noninterest expense to average assets | 3.5244% | 413 |
| Loan and lease loss provision to assets | 0.2472% | 265 |
| Net operating income to assets | 1.3594% | 887 |
| Return on assets (ROA) | 1.3594% | 872 |
| Pretax return on assets | 1.3594% | 1,360 |
| Return on Equity (ROE) | 14.1251% | 813 |
| Retained earnings to average equity (ytd only) | 10.7000% | 848 |
| Net charge-offs to loans | -0.0186% | 3,876 |
| Credit loss provision to net charge-offs | -1,973.6842% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6882% | 2,420 |
| Assets per employee ($millions) | 3.6423% | 4,519 |
| Cash dividends to net income (ytd only)* | 24.2483% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 954 |
| Loan loss allowance to noncurrent loans | 732.6942% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 1,347 |
| Noncurrent loans to loans | 0.2396% | 2,637 |
| Net loans and leases to total assets | 66.8085% | 1,328 |
| Net loans and leases to deposits | 73.9368% | 1,615 |
| Net loans and leases to core deposits | 77.6139% | 1,647 |
| Total domestic deposits to total assets | 90.3590% | 1,352 |
| Equity capital to assets | 9.0542% | 2,666 |
| Core capital (leverage) ratio | 10.2276% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1700% | 1,733 |
| Memoranda: | ||
| Average total assets | $606,733,000 | 1,487 |
| Average earning assets | $567,981,500 | 1,484 |
| Average equity | $58,392,500 | 1,517 |
| Average total loans | $408,790,500 | 1,347 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 246 |
| Cost of funding earning assets | 0.1788% | 3,673 |
| Net interest margin | 4.8797% | 159 |
| Noninterest income to average assets | 0.9134% | 1,170 |
| Noninterest expense to average assets | 3.8077% | 350 |
| Loan and lease loss provision to assets | 0.2648% | 334 |
| Net operating income to assets | 1.4137% | 1,235 |
| Return on assets (ROA) | 1.4197% | 1,282 |
| Pretax return on assets | 1.4197% | 1,984 |
| Return on Equity (ROE) | 13.2330% | 1,388 |
| Retained earnings to average equity (ytd only) | 6.4865% | 2,134 |
| Net charge-offs to loans | 0.0519% | 1,286 |
| Credit loss provision to net charge-offs | 735.2941% | 644 |
| Earnings coverage of net charge-offs (x) | 46.6078% | 1,342 |
| Efficiency ratio | 69.4050% | 1,803 |
| Assets per employee ($millions) | 3.6679% | 4,547 |
| Cash dividends to net income (ytd only)* | 50.9823% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,043 |
| Loan loss allowance to noncurrent loans | 502.3409% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,297 |
| Noncurrent loans to loans | 0.3384% | 2,371 |
| Net loans and leases to total assets | 65.6113% | 1,519 |
| Net loans and leases to deposits | 73.2002% | 1,796 |
| Net loans and leases to core deposits | 77.0056% | 1,840 |
| Total domestic deposits to total assets | 89.6326% | 1,152 |
| Equity capital to assets | 10.1968% | 2,475 |
| Core capital (leverage) ratio | 10.1896% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3138% | 1,734 |
| Memoranda: | ||
| Average total assets | $566,459,400 | 1,525 |
| Average earning assets | $530,837,200 | 1,514 |
| Average equity | $60,772,200 | 1,500 |
| Average total loans | $393,039,800 | 1,399 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 264 |
| Cost of funding earning assets | 0.1912% | 3,706 |
| Net interest margin | 4.8896% | 177 |
| Noninterest income to average assets | 0.9569% | 1,140 |
| Noninterest expense to average assets | 3.8217% | 337 |
| Loan and lease loss provision to assets | 0.2874% | 284 |
| Net operating income to assets | 1.4277% | 1,452 |
| Return on assets (ROA) | 1.4359% | 1,492 |
| Pretax return on assets | 1.4359% | 2,191 |
| Return on Equity (ROE) | 13.2058% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.1046% | 818 |
| Net charge-offs to loans | 0.0383% | 1,321 |
| Credit loss provision to net charge-offs | 1,071.4286% | 498 |
| Earnings coverage of net charge-offs (x) | 63.9464% | 1,107 |
| Efficiency ratio | 69.0238% | 1,703 |
| Assets per employee ($millions) | 3.4560% | 4,655 |
| Cash dividends to net income (ytd only)* | 8.3389% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 943 |
| Loan loss allowance to noncurrent loans | 338.1920% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 1,284 |
| Noncurrent loans to loans | 0.5296% | 1,985 |
| Net loans and leases to total assets | 64.0295% | 1,773 |
| Net loans and leases to deposits | 72.3929% | 2,011 |
| Net loans and leases to core deposits | 77.0625% | 1,960 |
| Total domestic deposits to total assets | 88.4473% | 1,599 |
| Equity capital to assets | 11.1019% | 1,945 |
| Core capital (leverage) ratio | 10.8059% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5248% | 1,243 |
| Memoranda: | ||
| Average total assets | $556,774,750 | 1,565 |
| Average earning assets | $521,502,250 | 1,549 |
| Average equity | $60,537,500 | 1,528 |
| Average total loans | $390,313,500 | 1,436 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 421 |
| Cost of funding earning assets | 0.1988% | 3,763 |
| Net interest margin | 4.6827% | 274 |
| Noninterest income to average assets | 0.9589% | 1,139 |
| Noninterest expense to average assets | 3.7075% | 363 |
| Loan and lease loss provision to assets | 0.3259% | 243 |
| Net operating income to assets | 1.3098% | 1,835 |
| Return on assets (ROA) | 1.3098% | 1,906 |
| Pretax return on assets | 1.3098% | 2,603 |
| Return on Equity (ROE) | 12.1347% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.4572% | 1,264 |
| Net charge-offs to loans | 0.0373% | 1,261 |
| Credit loss provision to net charge-offs | 1,216.2162% | 410 |
| Earnings coverage of net charge-offs (x) | 61.0405% | 964 |
| Efficiency ratio | 69.3866% | 1,715 |
| Assets per employee ($millions) | 3.5367% | 4,658 |
| Cash dividends to net income (ytd only)* | 13.8236% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,196 |
| Loan loss allowance to noncurrent loans | 350.9051% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 1,164 |
| Noncurrent loans to loans | 0.4666% | 2,275 |
| Net loans and leases to total assets | 66.6594% | 1,612 |
| Net loans and leases to deposits | 75.3352% | 1,887 |
| Net loans and leases to core deposits | 79.8830% | 1,898 |
| Total domestic deposits to total assets | 88.4837% | 1,571 |
| Equity capital to assets | 10.6508% | 2,269 |
| Core capital (leverage) ratio | 10.5244% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7722% | 1,176 |
| Memoranda: | ||
| Average total assets | $552,287,333 | 1,566 |
| Average earning assets | $517,099,000 | 1,553 |
| Average equity | $59,614,333 | 1,537 |
| Average total loans | $396,491,667 | 1,422 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 376 |
| Cost of funding earning assets | 0.2107% | 3,819 |
| Net interest margin | 4.7494% | 256 |
| Noninterest income to average assets | 0.9930% | 1,141 |
| Noninterest expense to average assets | 3.7594% | 346 |
| Loan and lease loss provision to assets | 0.3332% | 258 |
| Net operating income to assets | 1.3395% | 1,711 |
| Return on assets (ROA) | 1.3395% | 1,798 |
| Pretax return on assets | 1.3395% | 2,461 |
| Return on Equity (ROE) | 12.3226% | 1,893 |
| Retained earnings to average equity (ytd only) | 8.9167% | 1,974 |
| Net charge-offs to loans | 0.0441% | 1,035 |
| Credit loss provision to net charge-offs | 1,022.7273% | 410 |
| Earnings coverage of net charge-offs (x) | 51.3409% | 883 |
| Efficiency ratio | 69.2067% | 1,790 |
| Assets per employee ($millions) | 3.3383% | 4,746 |
| Cash dividends to net income (ytd only)* | 27.6396% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,645 |
| Loan loss allowance to noncurrent loans | 334.2841% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,211 |
| Noncurrent loans to loans | 0.4456% | 2,520 |
| Net loans and leases to total assets | 70.9047% | 1,169 |
| Net loans and leases to deposits | 80.1033% | 1,512 |
| Net loans and leases to core deposits | 84.8083% | 1,605 |
| Total domestic deposits to total assets | 88.5166% | 1,597 |
| Equity capital to assets | 10.6035% | 2,174 |
| Core capital (leverage) ratio | 10.8160% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1243% | 1,052 |
| Memoranda: | ||
| Average total assets | $540,190,500 | 1,583 |
| Average earning assets | $504,901,500 | 1,577 |
| Average equity | $58,721,500 | 1,542 |
| Average total loans | $399,399,500 | 1,414 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2305% | 317 |
| Cost of funding earning assets | 0.2895% | 4,201 |
| Net interest margin | 4.9410% | 136 |
| Noninterest income to average assets | 1.1130% | 857 |
| Noninterest expense to average assets | 4.0838% | 351 |
| Loan and lease loss provision to assets | 0.3047% | 1,233 |
| Net operating income to assets | 1.3007% | 1,248 |
| Return on assets (ROA) | 1.3135% | 1,313 |
| Pretax return on assets | 1.3135% | 1,929 |
| Return on Equity (ROE) | 11.6832% | 1,418 |
| Retained earnings to average equity (ytd only) | 7.3467% | 1,259 |
| Net charge-offs to loans | 0.0916% | 1,537 |
| Credit loss provision to net charge-offs | 457.3171% | 1,321 |
| Earnings coverage of net charge-offs (x) | 24.0945% | 1,785 |
| Efficiency ratio | 71.7810% | 1,705 |
| Assets per employee ($millions) | 3.1690% | 4,766 |
| Cash dividends to net income (ytd only)* | 37.1172% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,968 |
| Loan loss allowance to noncurrent loans | 325.4089% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 899 |
| Noncurrent loans to loans | 0.4307% | 2,686 |
| Net loans and leases to total assets | 74.9610% | 909 |
| Net loans and leases to deposits | 85.1094% | 1,334 |
| Net loans and leases to core deposits | 90.8849% | 1,463 |
| Total domestic deposits to total assets | 88.0760% | 1,437 |
| Equity capital to assets | 11.1552% | 2,131 |
| Core capital (leverage) ratio | 10.5963% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8372% | 1,087 |
| Memoranda: | ||
| Average total assets | $492,268,000 | 1,573 |
| Average earning assets | $455,921,200 | 1,579 |
| Average equity | $55,344,600 | 1,551 |
| Average total loans | $358,017,600 | 1,486 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 322 |
| Cost of funding earning assets | 0.3061% | 4,285 |
| Net interest margin | 5.0292% | 133 |
| Noninterest income to average assets | 1.0862% | 877 |
| Noninterest expense to average assets | 4.1409% | 332 |
| Loan and lease loss provision to assets | 0.2889% | 1,400 |
| Net operating income to assets | 1.3082% | 1,341 |
| Return on assets (ROA) | 1.3256% | 1,382 |
| Pretax return on assets | 1.3256% | 1,952 |
| Return on Equity (ROE) | 11.7656% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.8584% | 1,354 |
| Net charge-offs to loans | 0.0896% | 1,409 |
| Credit loss provision to net charge-offs | 448.7179% | 1,367 |
| Earnings coverage of net charge-offs (x) | 24.8077% | 1,745 |
| Efficiency ratio | 72.1663% | 1,624 |
| Assets per employee ($millions) | 3.3668% | 4,718 |
| Cash dividends to net income (ytd only)* | 33.2088% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,041 |
| Loan loss allowance to noncurrent loans | 257.0232% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 1,002 |
| Noncurrent loans to loans | 0.5173% | 2,503 |
| Net loans and leases to total assets | 72.7561% | 1,547 |
| Net loans and leases to deposits | 82.1316% | 2,087 |
| Net loans and leases to core deposits | 87.0508% | 2,231 |
| Total domestic deposits to total assets | 88.5848% | 943 |
| Equity capital to assets | 10.7155% | 2,608 |
| Core capital (leverage) ratio | 10.3413% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7183% | 1,096 |
| Memoranda: | ||
| Average total assets | $484,613,000 | 1,572 |
| Average earning assets | $448,251,250 | 1,578 |
| Average equity | $54,598,500 | 1,560 |
| Average total loans | $348,138,750 | 1,507 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 513 |
| Cost of funding earning assets | 0.3268% | 4,374 |
| Net interest margin | 4.9308% | 229 |
| Noninterest income to average assets | 1.0776% | 860 |
| Noninterest expense to average assets | 4.3303% | 293 |
| Loan and lease loss provision to assets | 0.2560% | 1,654 |
| Net operating income to assets | 1.0413% | 2,185 |
| Return on assets (ROA) | 1.0682% | 2,200 |
| Pretax return on assets | 1.0682% | 2,810 |
| Return on Equity (ROE) | 9.3090% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.4502% | 1,480 |
| Net charge-offs to loans | 0.1392% | 1,019 |
| Credit loss provision to net charge-offs | 258.6207% | 1,726 |
| Earnings coverage of net charge-offs (x) | 13.1078% | 2,010 |
| Efficiency ratio | 76.9482% | 1,162 |
| Assets per employee ($millions) | 3.3294% | 4,732 |
| Cash dividends to net income (ytd only)* | 19.9681% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,223 |
| Loan loss allowance to noncurrent loans | 208.5302% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1031% | 1,033 |
| Noncurrent loans to loans | 0.6024% | 2,341 |
| Net loans and leases to total assets | 70.3427% | 1,979 |
| Net loans and leases to deposits | 79.2049% | 2,520 |
| Net loans and leases to core deposits | 84.0221% | 2,599 |
| Total domestic deposits to total assets | 88.8111% | 818 |
| Equity capital to assets | 10.4579% | 2,780 |
| Core capital (leverage) ratio | 10.5010% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2822% | 1,004 |
| Memoranda: | ||
| Average total assets | $468,831,333 | 1,590 |
| Average earning assets | $432,623,667 | 1,605 |
| Average equity | $53,797,333 | 1,565 |
| Average total loans | $333,436,000 | 1,539 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 227 |
| Cost of funding earning assets | 0.3689% | 4,463 |
| Net interest margin | 5.4124% | 101 |
| Noninterest income to average assets | 1.3312% | 504 |
| Noninterest expense to average assets | 4.8057% | 250 |
| Loan and lease loss provision to assets | 0.2747% | 1,135 |
| Net operating income to assets | 1.2213% | 1,448 |
| Return on assets (ROA) | 1.2790% | 1,398 |
| Pretax return on assets | 1.2790% | 1,933 |
| Return on Equity (ROE) | 10.5750% | 1,544 |
| Retained earnings to average equity (ytd only) | 6.7901% | 1,613 |
| Net charge-offs to loans | 0.3093% | 474 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 6.8083% | 1,964 |
| Efficiency ratio | 76.2604% | 1,534 |
| Assets per employee ($millions) | 2.7294% | 4,891 |
| Cash dividends to net income (ytd only)* | 35.7910% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,600 |
| Loan loss allowance to noncurrent loans | 219.9803% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 976 |
| Noncurrent loans to loans | 0.6490% | 2,368 |
| Net loans and leases to total assets | 69.2033% | 2,368 |
| Net loans and leases to deposits | 78.7756% | 2,801 |
| Net loans and leases to core deposits | 84.4022% | 2,815 |
| Total domestic deposits to total assets | 87.8487% | 1,164 |
| Equity capital to assets | 11.9182% | 2,130 |
| Core capital (leverage) ratio | 12.2411% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6350% | 1,205 |
| Memoranda: | ||
| Average total assets | $436,897,500 | 1,658 |
| Average earning assets | $401,225,500 | 1,668 |
| Average equity | $52,841,500 | 1,579 |
| Average total loans | $310,413,000 | 1,595 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0651% | 208 |
| Cost of funding earning assets | 0.4255% | 4,354 |
| Net interest margin | 5.6395% | 95 |
| Noninterest income to average assets | 1.1999% | 657 |
| Noninterest expense to average assets | 4.7971% | 248 |
| Loan and lease loss provision to assets | 0.2855% | 605 |
| Net operating income to assets | 1.3224% | 1,606 |
| Return on assets (ROA) | 1.3224% | 1,686 |
| Pretax return on assets | 1.3224% | 2,432 |
| Return on Equity (ROE) | 11.0384% | 1,871 |
| Retained earnings to average equity (ytd only) | 6.4217% | 1,653 |
| Net charge-offs to loans | 0.2216% | 922 |
| Credit loss provision to net charge-offs | 174.6725% | 1,484 |
| Earnings coverage of net charge-offs (x) | 9.8384% | 2,628 |
| Efficiency ratio | 74.8969% | 1,502 |
| Assets per employee ($millions) | 2.6975% | 4,942 |
| Cash dividends to net income (ytd only)* | 41.8241% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,433 |
| Loan loss allowance to noncurrent loans | 134.8146% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 1,039 |
| Noncurrent loans to loans | 1.0578% | 1,431 |
| Net loans and leases to total assets | 70.8991% | 2,266 |
| Net loans and leases to deposits | 81.0044% | 2,663 |
| Net loans and leases to core deposits | 87.4964% | 2,653 |
| Total domestic deposits to total assets | 87.5250% | 1,356 |
| Equity capital to assets | 12.2778% | 1,963 |
| Core capital (leverage) ratio | 12.0956% | 1,718 |
| Tier 1 risk-based capital ratio | 16.4430% | 2,239 |
| Total risk-based capital ratio | 17.6947% | 2,177 |
| Memoranda: | ||
| Average total assets | $420,376,800 | 1,665 |
| Average earning assets | $387,992,200 | 1,676 |
| Average equity | $50,360,400 | 1,588 |
| Average total loans | $309,958,600 | 1,564 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1211% | 197 |
| Cost of funding earning assets | 0.4334% | 4,389 |
| Net interest margin | 5.6877% | 89 |
| Noninterest income to average assets | 1.1773% | 663 |
| Noninterest expense to average assets | 4.7610% | 251 |
| Loan and lease loss provision to assets | 0.2869% | 518 |
| Net operating income to assets | 1.3800% | 1,531 |
| Return on assets (ROA) | 1.3800% | 1,603 |
| Pretax return on assets | 1.3800% | 2,387 |
| Return on Equity (ROE) | 11.5934% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.7729% | 1,968 |
| Net charge-offs to loans | 0.2612% | 667 |
| Credit loss provision to net charge-offs | 148.0263% | 1,653 |
| Earnings coverage of net charge-offs (x) | 8.6003% | 2,641 |
| Efficiency ratio | 74.0676% | 1,557 |
| Assets per employee ($millions) | 2.7207% | 5,003 |
| Cash dividends to net income (ytd only)* | 41.5800% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,802 |
| Loan loss allowance to noncurrent loans | 113.5018% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 706 |
| Noncurrent loans to loans | 1.1805% | 1,335 |
| Net loans and leases to total assets | 72.9538% | 2,006 |
| Net loans and leases to deposits | 83.6265% | 2,497 |
| Net loans and leases to core deposits | 90.5722% | 2,497 |
| Total domestic deposits to total assets | 87.2376% | 1,411 |
| Equity capital to assets | 12.3441% | 2,011 |
| Core capital (leverage) ratio | 12.0932% | 1,794 |
| Tier 1 risk-based capital ratio | 16.2774% | 2,338 |
| Total risk-based capital ratio | 17.5286% | 2,272 |
| Memoranda: | ||
| Average total assets | $418,246,750 | 1,687 |
| Average earning assets | $386,111,000 | 1,694 |
| Average equity | $49,785,750 | 1,607 |
| Average total loans | $310,327,500 | 1,573 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 205 |
| Cost of funding earning assets | 0.4269% | 4,408 |
| Net interest margin | 5.6579% | 97 |
| Noninterest income to average assets | 1.1806% | 617 |
| Noninterest expense to average assets | 4.7529% | 253 |
| Loan and lease loss provision to assets | 0.2877% | 493 |
| Net operating income to assets | 1.3642% | 1,531 |
| Return on assets (ROA) | 1.3642% | 1,591 |
| Pretax return on assets | 1.3642% | 2,324 |
| Return on Equity (ROE) | 11.6054% | 1,739 |
| Retained earnings to average equity (ytd only) | 6.3024% | 2,141 |
| Net charge-offs to loans | 0.3189% | 535 |
| Credit loss provision to net charge-offs | 121.4575% | 1,726 |
| Earnings coverage of net charge-offs (x) | 6.9737% | 2,532 |
| Efficiency ratio | 74.2083% | 1,619 |
| Assets per employee ($millions) | 2.6892% | 5,064 |
| Cash dividends to net income (ytd only)* | 45.6942% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,096 |
| Loan loss allowance to noncurrent loans | 95.3427% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3984% | 855 |
| Noncurrent loans to loans | 1.3426% | 1,158 |
| Net loans and leases to total assets | 73.8610% | 1,912 |
| Net loans and leases to deposits | 84.3598% | 2,452 |
| Net loans and leases to core deposits | 91.6378% | 2,447 |
| Total domestic deposits to total assets | 87.5548% | 1,310 |
| Equity capital to assets | 12.1300% | 2,095 |
| Core capital (leverage) ratio | 12.2754% | 1,659 |
| Tier 1 risk-based capital ratio | 16.5206% | 2,228 |
| Total risk-based capital ratio | 17.7709% | 2,181 |
| Memoranda: | ||
| Average total assets | $417,093,000 | 1,697 |
| Average earning assets | $385,125,000 | 1,704 |
| Average equity | $49,029,000 | 1,624 |
| Average total loans | $309,826,670 | 1,576 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 170 |
| Cost of funding earning assets | 0.4178% | 4,409 |
| Net interest margin | 5.7413% | 87 |
| Noninterest income to average assets | 1.0613% | 713 |
| Noninterest expense to average assets | 4.7552% | 246 |
| Loan and lease loss provision to assets | 0.2876% | 466 |
| Net operating income to assets | 1.3144% | 1,647 |
| Return on assets (ROA) | 1.3144% | 1,691 |
| Pretax return on assets | 1.3144% | 2,393 |
| Return on Equity (ROE) | 11.3627% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.2188% | 1,964 |
| Net charge-offs to loans | 0.5570% | 269 |
| Credit loss provision to net charge-offs | 69.7674% | 1,854 |
| Earnings coverage of net charge-offs (x) | 3.8860% | 2,366 |
| Efficiency ratio | 74.8002% | 1,638 |
| Assets per employee ($millions) | 2.5565% | 5,169 |
| Cash dividends to net income (ytd only)* | 36.4697% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,441 |
| Loan loss allowance to noncurrent loans | 101.5410% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 699 |
| Noncurrent loans to loans | 1.2084% | 1,363 |
| Net loans and leases to total assets | 73.4576% | 1,904 |
| Net loans and leases to deposits | 83.6553% | 2,425 |
| Net loans and leases to core deposits | 90.3410% | 2,462 |
| Total domestic deposits to total assets | 87.8098% | 1,437 |
| Equity capital to assets | 11.9462% | 2,052 |
| Core capital (leverage) ratio | 11.8317% | 1,880 |
| Tier 1 risk-based capital ratio | 16.2542% | 2,352 |
| Total risk-based capital ratio | 17.4925% | 2,302 |
| Memoranda: | ||
| Average total assets | $417,226,500 | 1,703 |
| Average earning assets | $384,859,000 | 1,713 |
| Average equity | $48,263,000 | 1,629 |
| Average total loans | $308,808,000 | 1,596 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 242 |
| Cost of funding earning assets | 0.3118% | 4,505 |
| Net interest margin | 5.4777% | 112 |
| Noninterest income to average assets | 0.9628% | 1,034 |
| Noninterest expense to average assets | 4.4064% | 327 |
| Loan and lease loss provision to assets | 0.2760% | 609 |
| Net operating income to assets | 1.3348% | 1,671 |
| Return on assets (ROA) | 1.3348% | 1,657 |
| Pretax return on assets | 1.3348% | 2,384 |
| Return on Equity (ROE) | 12.7364% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.5238% | 1,448 |
| Net charge-offs to loans | 0.6930% | 233 |
| Credit loss provision to net charge-offs | 55.5042% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.2391% | 3,433 |
| Efficiency ratio | 73.2301% | 1,728 |
| Assets per employee ($millions) | 2.6429% | 5,159 |
| Cash dividends to net income (ytd only)* | 40.9271% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,311 |
| Loan loss allowance to noncurrent loans | 71.1852% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 540 |
| Noncurrent loans to loans | 1.7524% | 815 |
| Net loans and leases to total assets | 72.7493% | 2,137 |
| Net loans and leases to deposits | 82.0932% | 2,718 |
| Net loans and leases to core deposits | 88.5571% | 2,699 |
| Total domestic deposits to total assets | 88.6180% | 1,018 |
| Equity capital to assets | 11.1990% | 2,516 |
| Core capital (leverage) ratio | 11.4938% | 2,108 |
| Tier 1 risk-based capital ratio | 15.8270% | 2,483 |
| Total risk-based capital ratio | 17.0771% | 2,404 |
| Memoranda: | ||
| Average total assets | $434,752,000 | 1,577 |
| Average earning assets | $401,156,200 | 1,585 |
| Average equity | $45,562,200 | 1,646 |
| Average total loans | $311,966,400 | 1,546 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 251 |
| Cost of funding earning assets | 0.2928% | 4,572 |
| Net interest margin | 5.4281% | 121 |
| Noninterest income to average assets | 0.9491% | 1,061 |
| Noninterest expense to average assets | 4.3302% | 348 |
| Loan and lease loss provision to assets | 0.2741% | 553 |
| Net operating income to assets | 1.3542% | 1,646 |
| Return on assets (ROA) | 1.3542% | 1,655 |
| Pretax return on assets | 1.3542% | 2,409 |
| Return on Equity (ROE) | 13.1398% | 1,373 |
| Retained earnings to average equity (ytd only) | 8.7067% | 1,340 |
| Net charge-offs to loans | 0.4033% | 404 |
| Credit loss provision to net charge-offs | 95.3390% | 2,361 |
| Earnings coverage of net charge-offs (x) | 5.6631% | 2,949 |
| Efficiency ratio | 72.6715% | 1,784 |
| Assets per employee ($millions) | 2.6550% | 5,227 |
| Cash dividends to net income (ytd only)* | 33.7382% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,256 |
| Loan loss allowance to noncurrent loans | 99.9168% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.4845% | 865 |
| Noncurrent loans to loans | 1.5320% | 1,050 |
| Net loans and leases to total assets | 71.8511% | 2,350 |
| Net loans and leases to deposits | 80.8207% | 2,949 |
| Net loans and leases to core deposits | 86.9606% | 2,921 |
| Total domestic deposits to total assets | 88.9019% | 874 |
| Equity capital to assets | 10.7152% | 2,923 |
| Core capital (leverage) ratio | 11.1903% | 2,424 |
| Tier 1 risk-based capital ratio | 15.2619% | 2,755 |
| Total risk-based capital ratio | 16.5154% | 2,680 |
| Memoranda: | ||
| Average total assets | $437,725,250 | 1,579 |
| Average earning assets | $403,962,000 | 1,586 |
| Average equity | $45,113,750 | 1,667 |
| Average total loans | $312,079,750 | 1,547 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 269 |
| Cost of funding earning assets | 0.2871% | 4,518 |
| Net interest margin | 5.3306% | 138 |
| Noninterest income to average assets | 0.8795% | 1,242 |
| Noninterest expense to average assets | 4.2902% | 367 |
| Loan and lease loss provision to assets | 0.2726% | 552 |
| Net operating income to assets | 1.2261% | 2,078 |
| Return on assets (ROA) | 1.2261% | 2,077 |
| Pretax return on assets | 1.2261% | 2,845 |
| Return on Equity (ROE) | 12.0521% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.5867% | 1,803 |
| Net charge-offs to loans | 0.2183% | 729 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 9.7029% | 2,378 |
| Efficiency ratio | 74.1113% | 1,694 |
| Assets per employee ($millions) | 2.6684% | 5,280 |
| Cash dividends to net income (ytd only)* | 37.0508% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,058 |
| Loan loss allowance to noncurrent loans | 87.7512% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 745 |
| Noncurrent loans to loans | 1.8470% | 838 |
| Net loans and leases to total assets | 72.6241% | 2,178 |
| Net loans and leases to deposits | 81.5872% | 2,809 |
| Net loans and leases to core deposits | 88.6164% | 2,671 |
| Total domestic deposits to total assets | 89.0141% | 928 |
| Equity capital to assets | 10.6437% | 2,976 |
| Core capital (leverage) ratio | 10.7982% | 2,705 |
| Tier 1 risk-based capital ratio | 15.0694% | 2,839 |
| Total risk-based capital ratio | 16.3243% | 2,762 |
| Memoranda: | ||
| Average total assets | $440,261,330 | 1,582 |
| Average earning assets | $405,467,330 | 1,590 |
| Average equity | $44,789,000 | 1,680 |
| Average total loans | $311,490,330 | 1,556 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 310 |
| Cost of funding earning assets | 0.2738% | 4,553 |
| Net interest margin | 5.1622% | 170 |
| Noninterest income to average assets | 0.8145% | 1,405 |
| Noninterest expense to average assets | 4.3184% | 349 |
| Loan and lease loss provision to assets | 0.2685% | 516 |
| Net operating income to assets | 0.9684% | 2,993 |
| Return on assets (ROA) | 0.9684% | 3,020 |
| Pretax return on assets | 0.9684% | 3,641 |
| Return on Equity (ROE) | 9.7340% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.2359% | 3,067 |
| Net charge-offs to loans | 0.1563% | 900 |
| Credit loss provision to net charge-offs | 247.9339% | 920 |
| Earnings coverage of net charge-offs (x) | 11.4215% | 1,847 |
| Efficiency ratio | 77.7348% | 1,378 |
| Assets per employee ($millions) | 2.8932% | 5,220 |
| Cash dividends to net income (ytd only)* | 46.2107% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,120 |
| Loan loss allowance to noncurrent loans | 97.7065% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5139% | 915 |
| Noncurrent loans to loans | 1.6562% | 1,041 |
| Net loans and leases to total assets | 68.1522% | 2,751 |
| Net loans and leases to deposits | 75.8334% | 3,231 |
| Net loans and leases to core deposits | 82.4567% | 3,109 |
| Total domestic deposits to total assets | 89.8709% | 711 |
| Equity capital to assets | 9.8751% | 3,724 |
| Core capital (leverage) ratio | 10.4719% | 2,982 |
| Tier 1 risk-based capital ratio | 15.0781% | 2,833 |
| Total risk-based capital ratio | 16.3330% | 2,769 |
| Memoranda: | ||
| Average total assets | $446,923,500 | 1,575 |
| Average earning assets | $410,447,500 | 1,581 |
| Average equity | $44,462,500 | 1,695 |
| Average total loans | $309,652,000 | 1,562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0320% | 129 |
| Cost of funding earning assets | 0.3192% | 3,961 |
| Net interest margin | 5.7128% | 87 |
| Noninterest income to average assets | 1.0992% | 846 |
| Noninterest expense to average assets | 4.6009% | 294 |
| Loan and lease loss provision to assets | 0.2969% | 580 |
| Net operating income to assets | 1.4102% | 994 |
| Return on assets (ROA) | 1.4102% | 1,012 |
| Pretax return on assets | 1.4102% | 1,957 |
| Return on Equity (ROE) | 13.1434% | 920 |
| Retained earnings to average equity (ytd only) | 4.8408% | 2,226 |
| Net charge-offs to loans | 0.2391% | 1,087 |
| Credit loss provision to net charge-offs | 162.8223% | 1,648 |
| Earnings coverage of net charge-offs (x) | 9.3609% | 2,799 |
| Efficiency ratio | 72.9366% | 2,073 |
| Assets per employee ($millions) | 2.7837% | 5,335 |
| Cash dividends to net income (ytd only)* | 63.1690% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,211 |
| Loan loss allowance to noncurrent loans | 94.8728% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 955 |
| Noncurrent loans to loans | 1.6556% | 994 |
| Net loans and leases to total assets | 68.2089% | 2,793 |
| Net loans and leases to deposits | 76.0551% | 3,323 |
| Net loans and leases to core deposits | 82.4213% | 3,213 |
| Total domestic deposits to total assets | 89.6835% | 693 |
| Equity capital to assets | 10.0226% | 3,682 |
| Core capital (leverage) ratio | 10.3934% | 2,973 |
| Tier 1 risk-based capital ratio | 15.1052% | 2,794 |
| Total risk-based capital ratio | 16.3598% | 2,733 |
| Memoranda: | ||
| Average total assets | $404,118,800 | 1,687 |
| Average earning assets | $368,469,600 | 1,715 |
| Average equity | $43,360,200 | 1,715 |
| Average total loans | $308,281,400 | 1,536 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1365% | 112 |
| Cost of funding earning assets | 0.3286% | 3,856 |
| Net interest margin | 5.8078% | 79 |
| Noninterest income to average assets | 1.0936% | 849 |
| Noninterest expense to average assets | 4.7102% | 267 |
| Loan and lease loss provision to assets | 0.3047% | 512 |
| Net operating income to assets | 1.3739% | 1,147 |
| Return on assets (ROA) | 1.3739% | 1,163 |
| Pretax return on assets | 1.3739% | 2,200 |
| Return on Equity (ROE) | 12.5709% | 1,160 |
| Retained earnings to average equity (ytd only) | 4.8264% | 3,001 |
| Net charge-offs to loans | 0.1973% | 1,079 |
| Credit loss provision to net charge-offs | 197.3684% | 1,361 |
| Earnings coverage of net charge-offs (x) | 10.8729% | 2,548 |
| Efficiency ratio | 73.7255% | 1,936 |
| Assets per employee ($millions) | 2.5431% | 5,505 |
| Cash dividends to net income (ytd only)* | 61.6067% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,391 |
| Loan loss allowance to noncurrent loans | 61.9500% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1079% | 600 |
| Noncurrent loans to loans | 2.4871% | 621 |
| Net loans and leases to total assets | 75.8401% | 1,615 |
| Net loans and leases to deposits | 85.7500% | 2,329 |
| Net loans and leases to core deposits | 93.3947% | 2,313 |
| Total domestic deposits to total assets | 88.4433% | 1,155 |
| Equity capital to assets | 10.9116% | 2,950 |
| Core capital (leverage) ratio | 11.0642% | 2,397 |
| Tier 1 risk-based capital ratio | 14.8181% | 3,007 |
| Total risk-based capital ratio | 16.0726% | 2,935 |
| Memoranda: | ||
| Average total assets | $393,799,750 | 1,741 |
| Average earning assets | $359,047,000 | 1,771 |
| Average equity | $43,040,250 | 1,743 |
| Average total loans | $308,190,000 | 1,541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1492% | 109 |
| Cost of funding earning assets | 0.3342% | 3,755 |
| Net interest margin | 5.8150% | 83 |
| Noninterest income to average assets | 1.1545% | 758 |
| Noninterest expense to average assets | 4.7885% | 255 |
| Loan and lease loss provision to assets | 0.3081% | 484 |
| Net operating income to assets | 1.3568% | 1,156 |
| Return on assets (ROA) | 1.3568% | 1,184 |
| Pretax return on assets | 1.3568% | 2,179 |
| Return on Equity (ROE) | 12.4074% | 1,188 |
| Retained earnings to average equity (ytd only) | 3.0150% | 3,921 |
| Net charge-offs to loans | 0.1109% | 1,525 |
| Credit loss provision to net charge-offs | 352.9412% | 864 |
| Earnings coverage of net charge-offs (x) | 19.0706% | 1,853 |
| Efficiency ratio | 74.2002% | 1,971 |
| Assets per employee ($millions) | 2.4344% | 5,581 |
| Cash dividends to net income (ytd only)* | 75.7002% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,360 |
| Loan loss allowance to noncurrent loans | 104.3337% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 1,140 |
| Noncurrent loans to loans | 1.4952% | 1,260 |
| Net loans and leases to total assets | 78.9939% | 1,091 |
| Net loans and leases to deposits | 89.6772% | 1,778 |
| Net loans and leases to core deposits | 98.1325% | 1,795 |
| Total domestic deposits to total assets | 88.0869% | 1,413 |
| Equity capital to assets | 11.3089% | 2,488 |
| Core capital (leverage) ratio | 11.1500% | 2,274 |
| Tier 1 risk-based capital ratio | 14.7045% | 3,062 |
| Total risk-based capital ratio | 15.9590% | 2,983 |
| Memoranda: | ||
| Average total assets | $389,434,000 | 1,762 |
| Average earning assets | $354,877,000 | 1,789 |
| Average equity | $42,587,330 | 1,756 |
| Average total loans | $306,446,670 | 1,549 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9824% | 124 |
| Cost of funding earning assets | 0.3248% | 3,806 |
| Net interest margin | 5.6577% | 95 |
| Noninterest income to average assets | 1.1393% | 777 |
| Noninterest expense to average assets | 4.7469% | 280 |
| Loan and lease loss provision to assets | 0.3063% | 427 |
| Net operating income to assets | 1.2434% | 1,398 |
| Return on assets (ROA) | 1.2434% | 1,435 |
| Pretax return on assets | 1.2434% | 2,435 |
| Return on Equity (ROE) | 11.5637% | 1,385 |
| Retained earnings to average equity (ytd only) | -2.6773% | 5,234 |
| Net charge-offs to loans | 0.1467% | 1,072 |
| Credit loss provision to net charge-offs | 267.8571% | 844 |
| Earnings coverage of net charge-offs (x) | 13.5536% | 1,775 |
| Efficiency ratio | 75.3891% | 2,004 |
| Assets per employee ($millions) | 2.3529% | 5,673 |
| Cash dividends to net income (ytd only)* | 123.1527% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,739 |
| Loan loss allowance to noncurrent loans | 79.7488% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.6988% | 876 |
| Noncurrent loans to loans | 1.8637% | 992 |
| Net loans and leases to total assets | 78.5325% | 1,047 |
| Net loans and leases to deposits | 91.3669% | 1,390 |
| Net loans and leases to core deposits | 100.4988% | 1,471 |
| Total domestic deposits to total assets | 85.9528% | 2,689 |
| Equity capital to assets | 10.9430% | 2,694 |
| Core capital (leverage) ratio | 11.0211% | 2,344 |
| Tier 1 risk-based capital ratio | 14.4108% | 3,251 |
| Total risk-based capital ratio | 15.6645% | 3,176 |
| Memoranda: | ||
| Average total assets | $391,833,500 | 1,763 |
| Average earning assets | $357,180,000 | 1,789 |
| Average equity | $42,132,000 | 1,773 |
| Average total loans | $305,343,500 | 1,555 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1360% | 105 |
| Cost of funding earning assets | 0.3303% | 3,745 |
| Net interest margin | 5.8057% | 75 |
| Noninterest income to average assets | 1.2561% | 720 |
| Noninterest expense to average assets | 4.7193% | 311 |
| Loan and lease loss provision to assets | 0.2559% | 816 |
| Net operating income to assets | 1.5522% | 761 |
| Return on assets (ROA) | 1.5522% | 781 |
| Pretax return on assets | 1.5522% | 1,426 |
| Return on Equity (ROE) | 15.1348% | 610 |
| Retained earnings to average equity (ytd only) | 10.2051% | 383 |
| Net charge-offs to loans | 0.3685% | 736 |
| Credit loss provision to net charge-offs | 89.7548% | 2,799 |
| Earnings coverage of net charge-offs (x) | 6.3415% | 3,188 |
| Efficiency ratio | 72.2996% | 2,547 |
| Assets per employee ($millions) | 2.4256% | 5,696 |
| Cash dividends to net income (ytd only)* | 32.5720% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,883 |
| Loan loss allowance to noncurrent loans | 76.4603% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 1,050 |
| Noncurrent loans to loans | 1.8922% | 976 |
| Net loans and leases to total assets | 75.0877% | 1,675 |
| Net loans and leases to deposits | 84.3860% | 2,370 |
| Net loans and leases to core deposits | 92.4143% | 2,258 |
| Total domestic deposits to total assets | 88.9813% | 1,133 |
| Equity capital to assets | 10.5677% | 3,079 |
| Core capital (leverage) ratio | 10.7053% | 2,649 |
| Tier 1 risk-based capital ratio | 14.8615% | 3,024 |
| Total risk-based capital ratio | 16.1147% | 2,959 |
| Memoranda: | ||
| Average total assets | $400,528,800 | 1,682 |
| Average earning assets | $363,660,000 | 1,709 |
| Average equity | $41,077,600 | 1,802 |
| Average total loans | $309,909,000 | 1,477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1796% | 100 |
| Cost of funding earning assets | 0.3303% | 3,776 |
| Net interest margin | 5.8493% | 74 |
| Noninterest income to average assets | 1.3263% | 667 |
| Noninterest expense to average assets | 4.7920% | 303 |
| Loan and lease loss provision to assets | 0.2409% | 792 |
| Net operating income to assets | 1.5955% | 738 |
| Return on assets (ROA) | 1.5955% | 777 |
| Pretax return on assets | 1.5955% | 1,389 |
| Return on Equity (ROE) | 15.6747% | 586 |
| Retained earnings to average equity (ytd only) | 12.0834% | 294 |
| Net charge-offs to loans | 0.3902% | 559 |
| Credit loss provision to net charge-offs | 79.4956% | 2,668 |
| Earnings coverage of net charge-offs (x) | 6.0592% | 3,042 |
| Efficiency ratio | 72.2952% | 2,534 |
| Assets per employee ($millions) | 2.4562% | 5,750 |
| Cash dividends to net income (ytd only)* | 22.9119% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 2,347 |
| Loan loss allowance to noncurrent loans | 133.9646% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 2,326 |
| Noncurrent loans to loans | 1.0213% | 2,200 |
| Net loans and leases to total assets | 77.2243% | 1,318 |
| Net loans and leases to deposits | 90.7491% | 1,666 |
| Net loans and leases to core deposits | 99.4463% | 1,686 |
| Total domestic deposits to total assets | 85.0965% | 2,765 |
| Equity capital to assets | 10.6519% | 3,408 |
| Core capital (leverage) ratio | 10.4803% | 3,016 |
| Tier 1 risk-based capital ratio | 13.9967% | 3,558 |
| Total risk-based capital ratio | 15.2488% | 3,483 |
| Memoranda: | ||
| Average total assets | $401,212,000 | 1,681 |
| Average earning assets | $363,680,500 | 1,712 |
| Average equity | $40,837,500 | 1,828 |
| Average total loans | $311,616,000 | 1,481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1889% | 102 |
| Cost of funding earning assets | 0.3283% | 3,810 |
| Net interest margin | 5.8606% | 81 |
| Noninterest income to average assets | 1.3302% | 643 |
| Noninterest expense to average assets | 4.7564% | 310 |
| Loan and lease loss provision to assets | 0.2121% | 1,006 |
| Net operating income to assets | 1.6806% | 599 |
| Return on assets (ROA) | 1.6806% | 639 |
| Pretax return on assets | 1.6806% | 1,144 |
| Return on Equity (ROE) | 16.7731% | 458 |
| Retained earnings to average equity (ytd only) | 14.0332% | 184 |
| Net charge-offs to loans | 0.1708% | 1,318 |
| Credit loss provision to net charge-offs | 160.3774% | 1,525 |
| Earnings coverage of net charge-offs (x) | 14.3094% | 2,064 |
| Efficiency ratio | 71.5337% | 2,742 |
| Assets per employee ($millions) | 2.3794% | 5,835 |
| Cash dividends to net income (ytd only)* | 16.3350% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,942 |
| Loan loss allowance to noncurrent loans | 133.2000% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 2,054 |
| Noncurrent loans to loans | 1.1110% | 2,073 |
| Net loans and leases to total assets | 77.1861% | 1,304 |
| Net loans and leases to deposits | 94.7114% | 1,216 |
| Net loans and leases to core deposits | 104.3688% | 1,285 |
| Total domestic deposits to total assets | 81.4960% | 4,141 |
| Equity capital to assets | 10.4833% | 3,649 |
| Core capital (leverage) ratio | 10.1031% | 3,447 |
| Tier 1 risk-based capital ratio | 13.3432% | 3,993 |
| Total risk-based capital ratio | 14.5963% | 3,905 |
| Memoranda: | ||
| Average total assets | $400,679,000 | 1,684 |
| Average earning assets | $363,649,330 | 1,713 |
| Average equity | $40,147,670 | 1,849 |
| Average total loans | $310,360,330 | 1,486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1626% | 103 |
| Cost of funding earning assets | 0.3187% | 3,963 |
| Net interest margin | 5.8440% | 80 |
| Noninterest income to average assets | 1.2251% | 718 |
| Noninterest expense to average assets | 4.7815% | 317 |
| Loan and lease loss provision to assets | 0.1750% | 1,164 |
| Net operating income to assets | 1.5692% | 752 |
| Return on assets (ROA) | 1.5692% | 785 |
| Pretax return on assets | 1.5692% | 1,381 |
| Return on Equity (ROE) | 16.0331% | 530 |
| Retained earnings to average equity (ytd only) | 10.9238% | 665 |
| Net charge-offs to loans | 0.1558% | 1,191 |
| Credit loss provision to net charge-offs | 145.8333% | 1,295 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 1,696 |
| Efficiency ratio | 73.2720% | 2,594 |
| Assets per employee ($millions) | 2.4478% | 5,874 |
| Cash dividends to net income (ytd only)* | 31.8674% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 2,210 |
| Loan loss allowance to noncurrent loans | 126.6537% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 2,109 |
| Noncurrent loans to loans | 1.1438% | 2,118 |
| Net loans and leases to total assets | 76.2905% | 1,346 |
| Net loans and leases to deposits | 92.7530% | 1,258 |
| Net loans and leases to core deposits | 101.8330% | 1,354 |
| Total domestic deposits to total assets | 82.2512% | 4,130 |
| Equity capital to assets | 9.8114% | 4,327 |
| Core capital (leverage) ratio | 9.7693% | 3,818 |
| Tier 1 risk-based capital ratio | 12.8969% | 4,326 |
| Total risk-based capital ratio | 14.1496% | 4,239 |
| Memoranda: | ||
| Average total assets | $399,961,500 | 1,687 |
| Average earning assets | $362,768,000 | 1,715 |
| Average equity | $39,144,000 | 1,886 |
| Average total loans | $308,021,500 | 1,491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 121 |
| Cost of funding earning assets | 0.2744% | 4,544 |
| Net interest margin | 5.7732% | 86 |
| Noninterest income to average assets | 1.4356% | 590 |
| Noninterest expense to average assets | 4.8481% | 314 |
| Loan and lease loss provision to assets | 0.1560% | 1,505 |
| Net operating income to assets | 1.7047% | 574 |
| Return on assets (ROA) | 1.7083% | 587 |
| Pretax return on assets | 1.7083% | 973 |
| Return on Equity (ROE) | 18.2684% | 362 |
| Retained earnings to average equity (ytd only) | 14.0287% | 162 |
| Net charge-offs to loans | 0.3033% | 995 |
| Credit loss provision to net charge-offs | 69.2841% | 3,135 |
| Earnings coverage of net charge-offs (x) | 8.2644% | 2,978 |
| Efficiency ratio | 72.2651% | 2,857 |
| Assets per employee ($millions) | 2.3853% | 5,940 |
| Cash dividends to net income (ytd only)* | 23.2080% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 2,039 |
| Loan loss allowance to noncurrent loans | 120.6001% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 1,937 |
| Noncurrent loans to loans | 1.2382% | 1,906 |
| Net loans and leases to total assets | 75.4572% | 1,501 |
| Net loans and leases to deposits | 85.4295% | 2,194 |
| Net loans and leases to core deposits | 93.2911% | 2,109 |
| Total domestic deposits to total assets | 88.3268% | 1,460 |
| Equity capital to assets | 9.7617% | 4,227 |
| Core capital (leverage) ratio | 9.8466% | 3,717 |
| Tier 1 risk-based capital ratio | 13.1359% | 4,211 |
| Total risk-based capital ratio | 14.3894% | 4,135 |
| Memoranda: | ||
| Average total assets | $384,647,000 | 1,709 |
| Average earning assets | $351,332,600 | 1,721 |
| Average equity | $35,969,200 | 1,986 |
| Average total loans | $285,571,800 | 1,531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9947% | 133 |
| Cost of funding earning assets | 0.2726% | 4,637 |
| Net interest margin | 5.7221% | 87 |
| Noninterest income to average assets | 1.4929% | 555 |
| Noninterest expense to average assets | 4.7734% | 344 |
| Loan and lease loss provision to assets | 0.1569% | 1,378 |
| Net operating income to assets | 1.7956% | 527 |
| Return on assets (ROA) | 1.7956% | 545 |
| Pretax return on assets | 1.7956% | 910 |
| Return on Equity (ROE) | 19.4208% | 308 |
| Retained earnings to average equity (ytd only) | 16.9696% | 106 |
| Net charge-offs to loans | 0.1539% | 1,602 |
| Credit loss provision to net charge-offs | 138.4615% | 1,784 |
| Earnings coverage of net charge-offs (x) | 17.2309% | 2,066 |
| Efficiency ratio | 70.9709% | 3,054 |
| Assets per employee ($millions) | 2.3520% | 6,033 |
| Cash dividends to net income (ytd only)* | 12.6214% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 1,546 |
| Loan loss allowance to noncurrent loans | 140.4420% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 2,209 |
| Noncurrent loans to loans | 1.1912% | 2,144 |
| Net loans and leases to total assets | 73.6557% | 1,796 |
| Net loans and leases to deposits | 84.9318% | 2,292 |
| Net loans and leases to core deposits | 91.6584% | 2,299 |
| Total domestic deposits to total assets | 86.7233% | 2,174 |
| Equity capital to assets | 9.7181% | 4,496 |
| Core capital (leverage) ratio | 9.8274% | 3,867 |
| Tier 1 risk-based capital ratio | 13.2193% | 4,307 |
| Total risk-based capital ratio | 14.4749% | 4,226 |
| Memoranda: | ||
| Average total assets | $382,414,250 | 1,730 |
| Average earning assets | $349,723,500 | 1,743 |
| Average equity | $35,356,500 | 2,024 |
| Average total loans | $281,593,500 | 1,550 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9364% | 139 |
| Cost of funding earning assets | 0.2718% | 4,693 |
| Net interest margin | 5.6646% | 96 |
| Noninterest income to average assets | 1.4436% | 608 |
| Noninterest expense to average assets | 4.7396% | 358 |
| Loan and lease loss provision to assets | 0.1580% | 1,345 |
| Net operating income to assets | 1.7380% | 583 |
| Return on assets (ROA) | 1.7380% | 612 |
| Pretax return on assets | 1.7380% | 1,001 |
| Return on Equity (ROE) | 19.1336% | 320 |
| Retained earnings to average equity (ytd only) | 16.2346% | 149 |
| Net charge-offs to loans | 0.1799% | 1,378 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 2,060 |
| Efficiency ratio | 71.4263% | 3,087 |
| Assets per employee ($millions) | 2.4058% | 6,080 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,619 |
| Loan loss allowance to noncurrent loans | 600.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,882 |
| Noncurrent loans to loans | 0.2820% | 4,663 |
| Net loans and leases to total assets | 72.7114% | 1,861 |
| Net loans and leases to deposits | 82.5571% | 2,486 |
| Net loans and leases to core deposits | 88.3111% | 2,524 |
| Total domestic deposits to total assets | 88.0741% | 1,616 |
| Equity capital to assets | 9.2280% | 4,984 |
| Core capital (leverage) ratio | 9.5627% | 4,191 |
| Tier 1 risk-based capital ratio | 12.8027% | 4,621 |
| Total risk-based capital ratio | 14.0582% | 4,537 |
| Memoranda: | ||
| Average total assets | $379,740,000 | 1,748 |
| Average earning assets | $348,053,670 | 1,760 |
| Average equity | $34,494,330 | 2,094 |
| Average total loans | $277,967,330 | 1,576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9153% | 141 |
| Cost of funding earning assets | 0.2829% | 4,632 |
| Net interest margin | 5.6324% | 101 |
| Noninterest income to average assets | 1.5856% | 485 |
| Noninterest expense to average assets | 4.7462% | 357 |
| Loan and lease loss provision to assets | 0.1591% | 1,277 |
| Net operating income to assets | 1.8751% | 423 |
| Return on assets (ROA) | 1.8751% | 448 |
| Pretax return on assets | 1.8751% | 749 |
| Return on Equity (ROE) | 20.8116% | 236 |
| Retained earnings to average equity (ytd only) | 14.9260% | 293 |
| Net charge-offs to loans | 0.0539% | 2,236 |
| Credit loss provision to net charge-offs | 405.4054% | 656 |
| Earnings coverage of net charge-offs (x) | 51.8378% | 817 |
| Efficiency ratio | 69.9984% | 3,491 |
| Assets per employee ($millions) | 2.3635% | 6,174 |
| Cash dividends to net income (ytd only)* | 28.2805% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 1,564 |
| Loan loss allowance to noncurrent loans | 249.1577% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 3,086 |
| Noncurrent loans to loans | 0.7098% | 3,495 |
| Net loans and leases to total assets | 70.8079% | 2,019 |
| Net loans and leases to deposits | 78.4189% | 2,749 |
| Net loans and leases to core deposits | 83.9237% | 2,781 |
| Total domestic deposits to total assets | 90.2945% | 613 |
| Equity capital to assets | 9.0845% | 5,205 |
| Core capital (leverage) ratio | 9.2870% | 4,597 |
| Tier 1 risk-based capital ratio | 12.5618% | 4,864 |
| Total risk-based capital ratio | 13.8049% | 4,785 |
| Memoranda: | ||
| Average total assets | $377,146,500 | 1,768 |
| Average earning assets | $347,846,000 | 1,770 |
| Average equity | $33,981,000 | 2,126 |
| Average total loans | $274,599,000 | 1,595 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9769% | 159 |
| Cost of funding earning assets | 0.3318% | 4,471 |
| Net interest margin | 5.6451% | 107 |
| Noninterest income to average assets | 1.7204% | 435 |
| Noninterest expense to average assets | 4.7689% | 370 |
| Loan and lease loss provision to assets | 0.1649% | 1,589 |
| Net operating income to assets | 2.0422% | 306 |
| Return on assets (ROA) | 2.0446% | 310 |
| Pretax return on assets | 2.0446% | 474 |
| Return on Equity (ROE) | 23.5258% | 137 |
| Retained earnings to average equity (ytd only) | 9.2174% | 657 |
| Net charge-offs to loans | 0.0747% | 3,419 |
| Credit loss provision to net charge-offs | 307.6923% | 845 |
| Earnings coverage of net charge-offs (x) | 41.1846% | 1,058 |
| Efficiency ratio | 68.3620% | 3,834 |
| Assets per employee ($millions) | 2.3507% | 6,251 |
| Cash dividends to net income (ytd only)* | 60.8199% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 1,665 |
| Loan loss allowance to noncurrent loans | 501.3670% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 3,942 |
| Noncurrent loans to loans | 0.3481% | 4,614 |
| Net loans and leases to total assets | 72.2752% | 1,862 |
| Net loans and leases to deposits | 79.9105% | 2,728 |
| Net loans and leases to core deposits | 85.8723% | 2,703 |
| Total domestic deposits to total assets | 90.4453% | 560 |
| Equity capital to assets | 8.9333% | 5,358 |
| Core capital (leverage) ratio | 9.0038% | 4,998 |
| Tier 1 risk-based capital ratio | 12.4887% | 5,041 |
| Total risk-based capital ratio | 13.7451% | 4,957 |
| Memoranda: | ||
| Average total assets | $363,878,600 | 1,790 |
| Average earning assets | $338,772,200 | 1,767 |
| Average equity | $31,624,800 | 2,182 |
| Average total loans | $261,183,000 | 1,624 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 164 |
| Cost of funding earning assets | 0.3391% | 4,476 |
| Net interest margin | 5.6056% | 118 |
| Noninterest income to average assets | 1.6490% | 478 |
| Noninterest expense to average assets | 4.6158% | 412 |
| Loan and lease loss provision to assets | 0.1657% | 1,495 |
| Net operating income to assets | 2.0983% | 284 |
| Return on assets (ROA) | 2.0994% | 293 |
| Pretax return on assets | 2.0994% | 461 |
| Return on Equity (ROE) | 24.3301% | 117 |
| Retained earnings to average equity (ytd only) | 12.6986% | 359 |
| Net charge-offs to loans | 0.1291% | 2,503 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 24.5876% | 1,535 |
| Efficiency ratio | 67.0914% | 4,028 |
| Assets per employee ($millions) | 2.3886% | 6,303 |
| Cash dividends to net income (ytd only)* | 47.8070% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,925 |
| Loan loss allowance to noncurrent loans | 485.9425% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 4,041 |
| Noncurrent loans to loans | 0.3525% | 4,851 |
| Net loans and leases to total assets | 71.1726% | 1,999 |
| Net loans and leases to deposits | 78.7731% | 2,868 |
| Net loans and leases to core deposits | 84.5248% | 2,826 |
| Total domestic deposits to total assets | 90.3514% | 594 |
| Equity capital to assets | 8.9589% | 5,391 |
| Core capital (leverage) ratio | 9.2980% | 4,640 |
| Tier 1 risk-based capital ratio | 12.6879% | 5,047 |
| Total risk-based capital ratio | 13.9437% | 4,953 |
| Memoranda: | ||
| Average total assets | $361,996,250 | 1,811 |
| Average earning assets | $337,794,750 | 1,785 |
| Average equity | $31,236,250 | 2,213 |
| Average total loans | $258,177,750 | 1,650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 175 |
| Cost of funding earning assets | 0.3547% | 4,384 |
| Net interest margin | 5.5138% | 134 |
| Noninterest income to average assets | 1.7098% | 444 |
| Noninterest expense to average assets | 4.5900% | 412 |
| Loan and lease loss provision to assets | 0.1666% | 1,470 |
| Net operating income to assets | 2.1086% | 272 |
| Return on assets (ROA) | 2.1103% | 286 |
| Pretax return on assets | 2.1103% | 437 |
| Return on Equity (ROE) | 24.7788% | 116 |
| Retained earnings to average equity (ytd only) | 17.7672% | 126 |
| Net charge-offs to loans | 0.1824% | 1,933 |
| Credit loss provision to net charge-offs | 128.7554% | 1,618 |
| Earnings coverage of net charge-offs (x) | 17.5794% | 1,727 |
| Efficiency ratio | 66.8582% | 4,224 |
| Assets per employee ($millions) | 2.5941% | 6,215 |
| Cash dividends to net income (ytd only)* | 28.2969% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,225 |
| Loan loss allowance to noncurrent loans | 575.3247% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 4,322 |
| Noncurrent loans to loans | 0.2904% | 5,148 |
| Net loans and leases to total assets | 71.7916% | 1,780 |
| Net loans and leases to deposits | 79.4260% | 2,593 |
| Net loans and leases to core deposits | 85.0085% | 2,611 |
| Total domestic deposits to total assets | 90.3880% | 624 |
| Equity capital to assets | 9.0007% | 5,298 |
| Core capital (leverage) ratio | 9.4992% | 4,332 |
| Tier 1 risk-based capital ratio | 12.6578% | 5,115 |
| Total risk-based capital ratio | 13.9132% | 5,049 |
| Memoranda: | ||
| Average total assets | $360,045,670 | 1,822 |
| Average earning assets | $336,644,330 | 1,789 |
| Average equity | $30,663,330 | 2,234 |
| Average total loans | $255,447,000 | 1,659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 217 |
| Cost of funding earning assets | 0.3851% | 4,142 |
| Net interest margin | 5.3283% | 156 |
| Noninterest income to average assets | 1.9482% | 348 |
| Noninterest expense to average assets | 4.5938% | 414 |
| Loan and lease loss provision to assets | 0.1674% | 1,449 |
| Net operating income to assets | 2.1736% | 252 |
| Return on assets (ROA) | 2.1736% | 263 |
| Pretax return on assets | 2.1736% | 372 |
| Return on Equity (ROE) | 26.2790% | 105 |
| Retained earnings to average equity (ytd only) | 17.1731% | 213 |
| Net charge-offs to loans | 0.2905% | 1,193 |
| Credit loss provision to net charge-offs | 82.4176% | 1,878 |
| Earnings coverage of net charge-offs (x) | 11.5275% | 1,777 |
| Efficiency ratio | 66.2430% | 4,494 |
| Assets per employee ($millions) | 2.5737% | 6,323 |
| Cash dividends to net income (ytd only)* | 34.6509% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 2,322 |
| Loan loss allowance to noncurrent loans | 434.8394% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 4,009 |
| Noncurrent loans to loans | 0.3928% | 4,953 |
| Net loans and leases to total assets | 69.1660% | 2,035 |
| Net loans and leases to deposits | 76.0604% | 2,805 |
| Net loans and leases to core deposits | 82.8282% | 2,655 |
| Total domestic deposits to total assets | 90.9356% | 599 |
| Equity capital to assets | 8.5046% | 5,653 |
| Core capital (leverage) ratio | 9.1478% | 4,799 |
| Tier 1 risk-based capital ratio | 12.8489% | 5,093 |
| Total risk-based capital ratio | 14.1048% | 5,033 |
| Memoranda: | ||
| Average total assets | $358,482,500 | 1,837 |
| Average earning assets | $335,494,500 | 1,803 |
| Average equity | $29,651,000 | 2,285 |
| Average total loans | $250,592,000 | 1,692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 295 |
| Cost of funding earning assets | 0.5176% | 3,425 |
| Net interest margin | 5.1186% | 245 |
| Noninterest income to average assets | 1.6581% | 524 |
| Noninterest expense to average assets | 4.1819% | 711 |
| Loan and lease loss provision to assets | 0.2320% | 1,555 |
| Net operating income to assets | 2.0358% | 317 |
| Return on assets (ROA) | 2.0358% | 322 |
| Pretax return on assets | 2.0358% | 443 |
| Return on Equity (ROE) | 25.2040% | 122 |
| Retained earnings to average equity (ytd only) | 9.6234% | 643 |
| Net charge-offs to loans | 0.1120% | 3,707 |
| Credit loss provision to net charge-offs | 305.5556% | 746 |
| Earnings coverage of net charge-offs (x) | 29.8667% | 1,195 |
| Efficiency ratio | 64.8382% | 4,757 |
| Assets per employee ($millions) | 2.7018% | 6,216 |
| Cash dividends to net income (ytd only)* | 61.8179% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 2,183 |
| Loan loss allowance to noncurrent loans | 228.1904% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 3,325 |
| Noncurrent loans to loans | 0.7721% | 4,035 |
| Net loans and leases to total assets | 68.2110% | 2,318 |
| Net loans and leases to deposits | 74.6089% | 3,174 |
| Net loans and leases to core deposits | 80.8541% | 3,029 |
| Total domestic deposits to total assets | 91.4247% | 429 |
| Equity capital to assets | 8.0355% | 5,992 |
| Core capital (leverage) ratio | 8.4170% | 5,756 |
| Tier 1 risk-based capital ratio | 12.7123% | 5,168 |
| Total risk-based capital ratio | 13.9691% | 5,107 |
| Memoranda: | ||
| Average total assets | $355,578,800 | 1,828 |
| Average earning assets | $332,863,000 | 1,792 |
| Average equity | $28,721,600 | 2,326 |
| Average total loans | $241,085,600 | 1,720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 321 |
| Cost of funding earning assets | 0.5308% | 3,457 |
| Net interest margin | 5.0724% | 280 |
| Noninterest income to average assets | 1.7528% | 507 |
| Noninterest expense to average assets | 4.1225% | 746 |
| Loan and lease loss provision to assets | 0.2814% | 1,235 |
| Net operating income to assets | 2.0999% | 304 |
| Return on assets (ROA) | 2.0999% | 314 |
| Pretax return on assets | 2.0999% | 467 |
| Return on Equity (ROE) | 25.9631% | 106 |
| Retained earnings to average equity (ytd only) | 15.7560% | 165 |
| Net charge-offs to loans | 0.0445% | 4,273 |
| Credit loss provision to net charge-offs | 937.5000% | 327 |
| Earnings coverage of net charge-offs (x) | 79.3280% | 600 |
| Efficiency ratio | 63.3856% | 4,906 |
| Assets per employee ($millions) | 2.8271% | 6,111 |
| Cash dividends to net income (ytd only)* | 39.3138% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,014 |
| Loan loss allowance to noncurrent loans | 717.6282% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 4,597 |
| Noncurrent loans to loans | 0.2643% | 5,569 |
| Net loans and leases to total assets | 63.5028% | 3,081 |
| Net loans and leases to deposits | 70.3868% | 3,731 |
| Net loans and leases to core deposits | 77.6760% | 3,398 |
| Total domestic deposits to total assets | 90.2197% | 882 |
| Equity capital to assets | 8.2710% | 5,934 |
| Core capital (leverage) ratio | 8.5929% | 5,668 |
| Tier 1 risk-based capital ratio | 13.6624% | 4,654 |
| Total risk-based capital ratio | 14.9210% | 4,603 |
| Memoranda: | ||
| Average total assets | $355,313,000 | 1,836 |
| Average earning assets | $332,796,250 | 1,802 |
| Average equity | $28,737,500 | 2,348 |
| Average total loans | $239,449,000 | 1,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 315 |
| Cost of funding earning assets | 0.5447% | 3,468 |
| Net interest margin | 5.0609% | 281 |
| Noninterest income to average assets | 1.7513% | 544 |
| Noninterest expense to average assets | 4.0592% | 810 |
| Loan and lease loss provision to assets | 0.2981% | 1,215 |
| Net operating income to assets | 2.1324% | 294 |
| Return on assets (ROA) | 2.1324% | 310 |
| Pretax return on assets | 2.1324% | 479 |
| Return on Equity (ROE) | 26.5728% | 104 |
| Retained earnings to average equity (ytd only) | 15.9578% | 193 |
| Net charge-offs to loans | -0.0116% | 5,807 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5481% | 5,086 |
| Assets per employee ($millions) | 2.8369% | 6,111 |
| Cash dividends to net income (ytd only)* | 39.9467% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,387 |
| Loan loss allowance to noncurrent loans | 362.5521% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 4,272 |
| Noncurrent loans to loans | 0.5009% | 5,016 |
| Net loans and leases to total assets | 65.2349% | 2,724 |
| Net loans and leases to deposits | 71.8644% | 3,470 |
| Net loans and leases to core deposits | 79.6045% | 3,071 |
| Total domestic deposits to total assets | 90.7749% | 633 |
| Equity capital to assets | 7.7993% | 6,316 |
| Core capital (leverage) ratio | 8.4629% | 5,710 |
| Tier 1 risk-based capital ratio | 13.3168% | 4,905 |
| Total risk-based capital ratio | 14.5748% | 4,844 |
| Memoranda: | ||
| Average total assets | $352,186,000 | 1,849 |
| Average earning assets | $329,745,330 | 1,813 |
| Average equity | $28,262,000 | 2,409 |
| Average total loans | $240,575,670 | 1,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 336 |
| Cost of funding earning assets | 0.5649% | 3,430 |
| Net interest margin | 4.9955% | 298 |
| Noninterest income to average assets | 1.1823% | 1,072 |
| Noninterest expense to average assets | 3.9939% | 892 |
| Loan and lease loss provision to assets | 0.3447% | 955 |
| Net operating income to assets | 1.5178% | 829 |
| Return on assets (ROA) | 1.5178% | 905 |
| Pretax return on assets | 1.5178% | 1,520 |
| Return on Equity (ROE) | 18.6431% | 388 |
| Retained earnings to average equity (ytd only) | 5.9415% | 2,709 |
| Net charge-offs to loans | 0.0332% | 3,568 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 81.0500% | 458 |
| Efficiency ratio | 68.1970% | 4,273 |
| Assets per employee ($millions) | 2.8094% | 6,269 |
| Cash dividends to net income (ytd only)* | 68.1302% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,006 |
| Loan loss allowance to noncurrent loans | 193.1034% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 4,368 |
| Noncurrent loans to loans | 0.8807% | 4,373 |
| Net loans and leases to total assets | 66.7502% | 2,236 |
| Net loans and leases to deposits | 73.6651% | 2,967 |
| Net loans and leases to core deposits | 82.2403% | 2,540 |
| Total domestic deposits to total assets | 90.6131% | 709 |
| Equity capital to assets | 8.0442% | 6,357 |
| Core capital (leverage) ratio | 8.2221% | 5,914 |
| Tier 1 risk-based capital ratio | 12.6548% | 5,469 |
| Total risk-based capital ratio | 13.9120% | 5,416 |
| Memoranda: | ||
| Average total assets | $348,134,500 | 1,901 |
| Average earning assets | $325,730,000 | 1,856 |
| Average equity | $28,343,000 | 2,423 |
| Average total loans | $241,173,000 | 1,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 295 |
| Cost of funding earning assets | 0.7791% | 2,838 |
| Net interest margin | 5.1569% | 295 |
| Noninterest income to average assets | 1.3694% | 833 |
| Noninterest expense to average assets | 4.1747% | 796 |
| Loan and lease loss provision to assets | 0.3665% | 1,789 |
| Net operating income to assets | 1.6201% | 730 |
| Return on assets (ROA) | 1.7029% | 692 |
| Pretax return on assets | 1.7029% | 1,130 |
| Return on Equity (ROE) | 20.0042% | 305 |
| Retained earnings to average equity (ytd only) | 5.2029% | 2,573 |
| Net charge-offs to loans | 0.2639% | 3,356 |
| Credit loss provision to net charge-offs | 194.4895% | 1,341 |
| Earnings coverage of net charge-offs (x) | 10.5413% | 2,131 |
| Efficiency ratio | 67.7557% | 4,197 |
| Assets per employee ($millions) | 2.7604% | 6,355 |
| Cash dividends to net income (ytd only)* | 73.9910% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 3,427 |
| Loan loss allowance to noncurrent loans | 203.6364% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 4,477 |
| Noncurrent loans to loans | 0.7728% | 4,637 |
| Net loans and leases to total assets | 69.5809% | 1,925 |
| Net loans and leases to deposits | 76.9631% | 2,662 |
| Net loans and leases to core deposits | 86.1990% | 2,293 |
| Total domestic deposits to total assets | 90.4081% | 746 |
| Equity capital to assets | 8.2419% | 6,247 |
| Core capital (leverage) ratio | 8.2539% | 5,938 |
| Tier 1 risk-based capital ratio | 12.2270% | 5,642 |
| Total risk-based capital ratio | 13.4822% | 5,598 |
| Memoranda: | ||
| Average total assets | $327,378,200 | 1,968 |
| Average earning assets | $304,215,600 | 1,946 |
| Average equity | $27,869,200 | 2,406 |
| Average total loans | $233,818,600 | 1,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9541% | 297 |
| Cost of funding earning assets | 0.8067% | 2,888 |
| Net interest margin | 5.1475% | 313 |
| Noninterest income to average assets | 1.3319% | 833 |
| Noninterest expense to average assets | 4.1735% | 748 |
| Loan and lease loss provision to assets | 0.3708% | 1,748 |
| Net operating income to assets | 1.5667% | 920 |
| Return on assets (ROA) | 1.6186% | 899 |
| Pretax return on assets | 1.6186% | 1,512 |
| Return on Equity (ROE) | 18.8547% | 407 |
| Retained earnings to average equity (ytd only) | 1.9387% | 5,359 |
| Net charge-offs to loans | 0.3267% | 2,825 |
| Credit loss provision to net charge-offs | 158.4507% | 1,770 |
| Earnings coverage of net charge-offs (x) | 8.2800% | 2,471 |
| Efficiency ratio | 68.2958% | 3,997 |
| Assets per employee ($millions) | 2.7130% | 6,473 |
| Cash dividends to net income (ytd only)* | 89.7174% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 3,944 |
| Loan loss allowance to noncurrent loans | 166.4483% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 4,556 |
| Noncurrent loans to loans | 0.9023% | 4,625 |
| Net loans and leases to total assets | 68.2442% | 2,259 |
| Net loans and leases to deposits | 77.8653% | 2,681 |
| Net loans and leases to core deposits | 86.8219% | 2,364 |
| Total domestic deposits to total assets | 87.6439% | 2,263 |
| Equity capital to assets | 8.2243% | 6,473 |
| Core capital (leverage) ratio | 8.1557% | 6,186 |
| Tier 1 risk-based capital ratio | 12.0919% | 5,892 |
| Total risk-based capital ratio | 13.3460% | 5,866 |
| Memoranda: | ||
| Average total assets | $323,650,750 | 2,007 |
| Average earning assets | $300,490,250 | 1,983 |
| Average equity | $27,783,750 | 2,433 |
| Average total loans | $231,779,500 | 1,773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9922% | 295 |
| Cost of funding earning assets | 0.8317% | 2,934 |
| Net interest margin | 5.1605% | 313 |
| Noninterest income to average assets | 1.3395% | 797 |
| Noninterest expense to average assets | 4.1595% | 773 |
| Loan and lease loss provision to assets | 0.3778% | 1,737 |
| Net operating income to assets | 1.5807% | 869 |
| Return on assets (ROA) | 1.6594% | 820 |
| Pretax return on assets | 1.6594% | 1,371 |
| Return on Equity (ROE) | 19.0434% | 412 |
| Retained earnings to average equity (ytd only) | 11.9970% | 586 |
| Net charge-offs to loans | 0.3268% | 2,728 |
| Credit loss provision to net charge-offs | 159.5745% | 1,743 |
| Earnings coverage of net charge-offs (x) | 8.2713% | 2,325 |
| Efficiency ratio | 67.9876% | 4,127 |
| Assets per employee ($millions) | 2.6787% | 6,560 |
| Cash dividends to net income (ytd only)* | 37.0019% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,237 |
| Loan loss allowance to noncurrent loans | 147.2673% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 4,325 |
| Noncurrent loans to loans | 0.9870% | 4,531 |
| Net loans and leases to total assets | 72.1465% | 1,533 |
| Net loans and leases to deposits | 83.1054% | 1,964 |
| Net loans and leases to core deposits | 93.6439% | 1,642 |
| Total domestic deposits to total assets | 86.8133% | 2,885 |
| Equity capital to assets | 8.8967% | 5,809 |
| Core capital (leverage) ratio | 8.8944% | 5,056 |
| Tier 1 risk-based capital ratio | 12.2458% | 5,756 |
| Total risk-based capital ratio | 13.4987% | 5,735 |
| Memoranda: | ||
| Average total assets | $317,587,670 | 2,042 |
| Average earning assets | $294,081,000 | 2,021 |
| Average equity | $27,673,670 | 2,427 |
| Average total loans | $230,091,670 | 1,781 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9484% | 327 |
| Cost of funding earning assets | 0.8718% | 2,901 |
| Net interest margin | 5.0766% | 356 |
| Noninterest income to average assets | 1.2879% | 853 |
| Noninterest expense to average assets | 4.2555% | 695 |
| Loan and lease loss provision to assets | 0.3818% | 1,651 |
| Net operating income to assets | 1.3337% | 1,367 |
| Return on assets (ROA) | 1.4940% | 1,153 |
| Pretax return on assets | 1.4940% | 1,883 |
| Return on Equity (ROE) | 17.3332% | 623 |
| Retained earnings to average equity (ytd only) | 6.9982% | 2,440 |
| Net charge-offs to loans | 0.5651% | 1,674 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 4.2125% | 2,633 |
| Efficiency ratio | 71.2702% | 3,577 |
| Assets per employee ($millions) | 2.6627% | 6,683 |
| Cash dividends to net income (ytd only)* | 59.6252% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,610 |
| Loan loss allowance to noncurrent loans | 105.9154% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 4,041 |
| Noncurrent loans to loans | 1.3230% | 4,130 |
| Net loans and leases to total assets | 71.7757% | 1,446 |
| Net loans and leases to deposits | 82.5504% | 1,857 |
| Net loans and leases to core deposits | 92.5218% | 1,593 |
| Total domestic deposits to total assets | 86.9477% | 2,983 |
| Equity capital to assets | 8.6842% | 5,894 |
| Core capital (leverage) ratio | 8.8082% | 5,119 |
| Tier 1 risk-based capital ratio | 12.2691% | 5,780 |
| Total risk-based capital ratio | 13.5215% | 5,743 |
| Memoranda: | ||
| Average total assets | $314,321,000 | 2,064 |
| Average earning assets | $289,959,500 | 2,060 |
| Average equity | $27,092,500 | 2,468 |
| Average total loans | $226,492,000 | 1,814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2391% | 280 |
| Cost of funding earning assets | 1.1436% | 2,388 |
| Net interest margin | 5.0954% | 341 |
| Noninterest income to average assets | 1.4445% | 626 |
| Noninterest expense to average assets | 4.5611% | 552 |
| Loan and lease loss provision to assets | 0.4165% | 2,504 |
| Net operating income to assets | 1.1446% | 1,685 |
| Return on assets (ROA) | 1.2002% | 1,620 |
| Pretax return on assets | 1.2002% | 2,455 |
| Return on Equity (ROE) | 14.8506% | 775 |
| Retained earnings to average equity (ytd only) | 9.9119% | 589 |
| Net charge-offs to loans | 0.2357% | 4,305 |
| Credit loss provision to net charge-offs | 241.4487% | 999 |
| Earnings coverage of net charge-offs (x) | 9.0503% | 2,041 |
| Efficiency ratio | 74.5011% | 3,142 |
| Assets per employee ($millions) | 2.5358% | 6,799 |
| Cash dividends to net income (ytd only)* | 33.2562% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,296 |
| Loan loss allowance to noncurrent loans | 116.3000% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 4,782 |
| Noncurrent loans to loans | 1.2365% | 4,299 |
| Net loans and leases to total assets | 70.2943% | 1,972 |
| Net loans and leases to deposits | 80.7022% | 2,407 |
| Net loans and leases to core deposits | 90.6712% | 2,025 |
| Total domestic deposits to total assets | 87.1033% | 2,704 |
| Equity capital to assets | 8.5546% | 6,066 |
| Core capital (leverage) ratio | 8.6095% | 5,378 |
| Tier 1 risk-based capital ratio | 12.3310% | 5,594 |
| Total risk-based capital ratio | 13.5843% | 5,564 |
| Memoranda: | ||
| Average total assets | $288,130,200 | 2,210 |
| Average earning assets | $264,511,000 | 2,211 |
| Average equity | $23,285,200 | 2,749 |
| Average total loans | $210,901,800 | 1,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 258 |
| Cost of funding earning assets | 1.1943% | 2,354 |
| Net interest margin | 5.1317% | 319 |
| Noninterest income to average assets | 1.5097% | 577 |
| Noninterest expense to average assets | 4.6446% | 502 |
| Loan and lease loss provision to assets | 0.4262% | 2,342 |
| Net operating income to assets | 1.1555% | 1,795 |
| Return on assets (ROA) | 1.2057% | 1,744 |
| Pretax return on assets | 1.2057% | 2,610 |
| Return on Equity (ROE) | 15.1667% | 814 |
| Retained earnings to average equity (ytd only) | 10.1032% | 820 |
| Net charge-offs to loans | 0.2274% | 4,016 |
| Credit loss provision to net charge-offs | 254.2373% | 1,125 |
| Earnings coverage of net charge-offs (x) | 9.4350% | 2,047 |
| Efficiency ratio | 74.5969% | 3,064 |
| Assets per employee ($millions) | 2.4521% | 6,936 |
| Cash dividends to net income (ytd only)* | 33.3859% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 4,356 |
| Loan loss allowance to noncurrent loans | 198.1912% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 5,709 |
| Noncurrent loans to loans | 0.7283% | 5,419 |
| Net loans and leases to total assets | 69.4555% | 2,190 |
| Net loans and leases to deposits | 80.7522% | 2,561 |
| Net loans and leases to core deposits | 90.9057% | 2,136 |
| Total domestic deposits to total assets | 86.0107% | 3,210 |
| Equity capital to assets | 7.8608% | 6,774 |
| Core capital (leverage) ratio | 8.0043% | 6,395 |
| Tier 1 risk-based capital ratio | 11.1519% | 6,457 |
| Total risk-based capital ratio | 12.4049% | 6,442 |
| Memoranda: | ||
| Average total assets | $281,553,250 | 2,264 |
| Average earning assets | $258,778,250 | 2,254 |
| Average equity | $22,381,750 | 2,847 |
| Average total loans | $207,563,000 | 2,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4195% | 234 |
| Cost of funding earning assets | 1.2585% | 2,197 |
| Net interest margin | 5.1610% | 299 |
| Noninterest income to average assets | 1.4785% | 585 |
| Noninterest expense to average assets | 4.6786% | 498 |
| Loan and lease loss provision to assets | 0.4366% | 2,248 |
| Net operating income to assets | 1.0929% | 1,895 |
| Return on assets (ROA) | 1.1111% | 1,927 |
| Pretax return on assets | 1.1111% | 2,809 |
| Return on Equity (ROE) | 13.9202% | 995 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,375 |
| Net charge-offs to loans | 0.2710% | 3,528 |
| Credit loss provision to net charge-offs | 215.0538% | 1,385 |
| Earnings coverage of net charge-offs (x) | 7.5341% | 2,205 |
| Efficiency ratio | 75.3633% | 3,125 |
| Assets per employee ($millions) | 2.2734% | 7,138 |
| Cash dividends to net income (ytd only)* | 40.9299% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,927 |
| Loan loss allowance to noncurrent loans | 186.3041% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 5,506 |
| Noncurrent loans to loans | 0.7139% | 5,486 |
| Net loans and leases to total assets | 75.4305% | 1,165 |
| Net loans and leases to deposits | 88.4234% | 1,440 |
| Net loans and leases to core deposits | 100.4190% | 1,305 |
| Total domestic deposits to total assets | 85.3060% | 3,725 |
| Equity capital to assets | 8.1275% | 6,574 |
| Core capital (leverage) ratio | 8.0724% | 6,206 |
| Tier 1 risk-based capital ratio | 10.9868% | 6,540 |
| Total risk-based capital ratio | 12.2385% | 6,519 |
| Memoranda: | ||
| Average total assets | $274,868,000 | 2,330 |
| Average earning assets | $251,888,330 | 2,317 |
| Average equity | $21,939,330 | 2,886 |
| Average total loans | $205,900,000 | 2,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3114% | 276 |
| Cost of funding earning assets | 1.3095% | 2,122 |
| Net interest margin | 5.0018% | 382 |
| Noninterest income to average assets | 1.4225% | 633 |
| Noninterest expense to average assets | 4.6711% | 500 |
| Loan and lease loss provision to assets | 0.4404% | 2,004 |
| Net operating income to assets | 0.8808% | 2,663 |
| Return on assets (ROA) | 0.9175% | 2,540 |
| Pretax return on assets | 0.9175% | 3,437 |
| Return on Equity (ROE) | 11.6034% | 1,573 |
| Retained earnings to average equity (ytd only) | 7.4261% | 1,975 |
| Net charge-offs to loans | 0.1129% | 3,855 |
| Credit loss provision to net charge-offs | 526.3158% | 685 |
| Earnings coverage of net charge-offs (x) | 15.7895% | 1,301 |
| Efficiency ratio | 77.9520% | 2,853 |
| Assets per employee ($millions) | 2.2940% | 7,186 |
| Cash dividends to net income (ytd only)* | 36.0000% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,923 |
| Loan loss allowance to noncurrent loans | 136.4085% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 4,847 |
| Noncurrent loans to loans | 0.9850% | 5,068 |
| Net loans and leases to total assets | 74.3679% | 1,288 |
| Net loans and leases to deposits | 88.7059% | 1,385 |
| Net loans and leases to core deposits | 100.4935% | 1,299 |
| Total domestic deposits to total assets | 83.8365% | 4,550 |
| Equity capital to assets | 7.9869% | 6,514 |
| Core capital (leverage) ratio | 8.1109% | 6,113 |
| Tier 1 risk-based capital ratio | 10.9601% | 6,535 |
| Total risk-based capital ratio | 12.2119% | 6,511 |
| Memoranda: | ||
| Average total assets | $272,486,500 | 2,363 |
| Average earning assets | $248,948,000 | 2,354 |
| Average equity | $21,545,500 | 2,918 |
| Average total loans | $201,965,000 | 2,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6672% | 243 |
| Cost of funding earning assets | 1.4338% | 3,052 |
| Net interest margin | 5.2334% | 270 |
| Noninterest income to average assets | 1.5237% | 628 |
| Noninterest expense to average assets | 4.8468% | 476 |
| Loan and lease loss provision to assets | 0.4513% | 3,418 |
| Net operating income to assets | 1.0432% | 1,899 |
| Return on assets (ROA) | 1.0862% | 1,828 |
| Pretax return on assets | 1.0862% | 2,634 |
| Return on Equity (ROE) | 12.9982% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.2398% | 2,284 |
| Net charge-offs to loans | 0.4725% | 3,731 |
| Credit loss provision to net charge-offs | 124.0520% | 3,330 |
| Earnings coverage of net charge-offs (x) | 4.1083% | 3,060 |
| Efficiency ratio | 76.4326% | 2,981 |
| Assets per employee ($millions) | 2.3651% | 7,159 |
| Cash dividends to net income (ytd only)* | 59.6880% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,146 |
| Loan loss allowance to noncurrent loans | 212.2896% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 5,382 |
| Noncurrent loans to loans | 0.5995% | 5,842 |
| Net loans and leases to total assets | 71.9259% | 2,115 |
| Net loans and leases to deposits | 85.5849% | 2,170 |
| Net loans and leases to core deposits | 94.4219% | 2,210 |
| Total domestic deposits to total assets | 84.0404% | 4,344 |
| Equity capital to assets | 7.8268% | 6,655 |
| Core capital (leverage) ratio | 8.0707% | 6,076 |
| Tier 1 risk-based capital ratio | 11.1370% | 6,224 |
| Total risk-based capital ratio | 12.3875% | 6,197 |
| Memoranda: | ||
| Average total assets | $253,732,600 | 2,509 |
| Average earning assets | $233,578,000 | 2,495 |
| Average equity | $21,203,000 | 2,982 |
| Average total loans | $195,347,800 | 2,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7804% | 206 |
| Cost of funding earning assets | 1.4531% | 3,259 |
| Net interest margin | 5.3273% | 227 |
| Noninterest income to average assets | 1.5935% | 553 |
| Noninterest expense to average assets | 4.9368% | 402 |
| Loan and lease loss provision to assets | 0.4522% | 3,210 |
| Net operating income to assets | 1.1189% | 1,829 |
| Return on assets (ROA) | 1.1772% | 1,746 |
| Pretax return on assets | 1.1772% | 2,575 |
| Return on Equity (ROE) | 13.8481% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.3961% | 1,646 |
| Net charge-offs to loans | 0.5302% | 3,180 |
| Credit loss provision to net charge-offs | 109.1731% | 3,894 |
| Earnings coverage of net charge-offs (x) | 3.7933% | 3,295 |
| Efficiency ratio | 75.8592% | 2,979 |
| Assets per employee ($millions) | 2.3582% | 7,248 |
| Cash dividends to net income (ytd only)* | 46.5908% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,477 |
| Loan loss allowance to noncurrent loans | 159.5559% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 5,584 |
| Noncurrent loans to loans | 0.7539% | 5,696 |
| Net loans and leases to total assets | 73.0800% | 2,004 |
| Net loans and leases to deposits | 87.6555% | 2,053 |
| Net loans and leases to core deposits | 97.3842% | 2,106 |
| Total domestic deposits to total assets | 83.3719% | 4,427 |
| Equity capital to assets | 8.2212% | 6,589 |
| Core capital (leverage) ratio | 8.3000% | 5,871 |
| Tier 1 risk-based capital ratio | 11.2025% | 6,186 |
| Total risk-based capital ratio | 12.4385% | 6,200 |
| Memoranda: | ||
| Average total assets | $249,169,000 | 2,580 |
| Average earning assets | $229,853,000 | 2,567 |
| Average equity | $21,181,750 | 3,025 |
| Average total loans | $194,647,000 | 2,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9325% | 170 |
| Cost of funding earning assets | 1.4692% | 3,430 |
| Net interest margin | 5.4633% | 180 |
| Noninterest income to average assets | 1.5637% | 526 |
| Noninterest expense to average assets | 5.0321% | 369 |
| Loan and lease loss provision to assets | 0.4191% | 3,224 |
| Net operating income to assets | 1.1512% | 1,697 |
| Return on assets (ROA) | 1.2408% | 1,512 |
| Pretax return on assets | 1.2408% | 2,288 |
| Return on Equity (ROE) | 14.4224% | 954 |
| Retained earnings to average equity (ytd only) | 8.2141% | 1,371 |
| Net charge-offs to loans | 0.4932% | 3,065 |
| Credit loss provision to net charge-offs | 106.6946% | 3,826 |
| Earnings coverage of net charge-offs (x) | 3.9979% | 3,096 |
| Efficiency ratio | 76.2166% | 3,038 |
| Assets per employee ($millions) | 2.2486% | 7,396 |
| Cash dividends to net income (ytd only)* | 43.0464% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 5,576 |
| Loan loss allowance to noncurrent loans | 147.4083% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 5,134 |
| Noncurrent loans to loans | 0.7971% | 5,680 |
| Net loans and leases to total assets | 77.8796% | 1,134 |
| Net loans and leases to deposits | 94.4883% | 1,210 |
| Net loans and leases to core deposits | 105.2673% | 1,513 |
| Total domestic deposits to total assets | 82.4225% | 4,816 |
| Equity capital to assets | 8.5585% | 6,088 |
| Core capital (leverage) ratio | 8.6123% | 5,214 |
| Tier 1 risk-based capital ratio | 11.2085% | 6,032 |
| Total risk-based capital ratio | 12.4428% | 6,034 |
| Memoranda: | ||
| Average total assets | $243,398,000 | 2,673 |
| Average earning assets | $224,478,670 | 2,633 |
| Average equity | $20,939,670 | 3,050 |
| Average total loans | $193,824,000 | 2,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8574% | 210 |
| Cost of funding earning assets | 1.4584% | 3,818 |
| Net interest margin | 5.3990% | 212 |
| Noninterest income to average assets | 1.4567% | 561 |
| Noninterest expense to average assets | 5.0607% | 352 |
| Loan and lease loss provision to assets | 0.4265% | 2,825 |
| Net operating income to assets | 0.9533% | 2,350 |
| Return on assets (ROA) | 0.9533% | 2,416 |
| Pretax return on assets | 0.9533% | 3,253 |
| Return on Equity (ROE) | 11.0505% | 1,776 |
| Retained earnings to average equity (ytd only) | 2.3264% | 4,742 |
| Net charge-offs to loans | 0.4553% | 2,682 |
| Credit loss provision to net charge-offs | 116.9725% | 2,977 |
| Earnings coverage of net charge-offs (x) | 3.7844% | 2,787 |
| Efficiency ratio | 78.5770% | 2,797 |
| Assets per employee ($millions) | 2.1323% | 7,592 |
| Cash dividends to net income (ytd only)* | 78.9474% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,471 |
| Loan loss allowance to noncurrent loans | 155.2824% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 5,752 |
| Noncurrent loans to loans | 0.7771% | 5,773 |
| Net loans and leases to total assets | 80.1170% | 830 |
| Net loans and leases to deposits | 97.4206% | 962 |
| Net loans and leases to core deposits | 109.3356% | 1,329 |
| Total domestic deposits to total assets | 82.2383% | 4,964 |
| Equity capital to assets | 8.6975% | 5,734 |
| Core capital (leverage) ratio | 8.5799% | 5,238 |
| Tier 1 risk-based capital ratio | 11.2373% | 5,912 |
| Total risk-based capital ratio | 12.4877% | 5,874 |
| Memoranda: | ||
| Average total assets | $239,175,000 | 2,775 |
| Average earning assets | $220,782,500 | 2,730 |
| Average equity | $20,632,500 | 3,112 |
| Average total loans | $191,502,500 | 2,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0146% | 275 |
| Cost of funding earning assets | 1.8390% | 3,789 |
| Net interest margin | 5.1756% | 309 |
| Noninterest income to average assets | 1.7798% | 465 |
| Noninterest expense to average assets | 4.9817% | 524 |
| Loan and lease loss provision to assets | 0.4289% | 4,256 |
| Net operating income to assets | 1.1298% | 1,439 |
| Return on assets (ROA) | 1.2837% | 1,116 |
| Pretax return on assets | 1.2837% | 1,740 |
| Return on Equity (ROE) | 15.3780% | 616 |
| Retained earnings to average equity (ytd only) | 9.4092% | 441 |
| Net charge-offs to loans | 0.2782% | 4,891 |
| Credit loss provision to net charge-offs | 200.7874% | 1,941 |
| Earnings coverage of net charge-offs (x) | 7.2972% | 2,178 |
| Efficiency ratio | 76.1684% | 3,496 |
| Assets per employee ($millions) | 2.1976% | 7,577 |
| Cash dividends to net income (ytd only)* | 38.8143% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,269 |
| Loan loss allowance to noncurrent loans | 173.3233% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 5,925 |
| Noncurrent loans to loans | 0.7009% | 5,838 |
| Net loans and leases to total assets | 78.0832% | 1,362 |
| Net loans and leases to deposits | 94.7344% | 1,498 |
| Net loans and leases to core deposits | 136.2335% | 944 |
| Total domestic deposits to total assets | 82.4233% | 4,766 |
| Equity capital to assets | 8.5558% | 5,801 |
| Core capital (leverage) ratio | 8.4196% | 5,408 |
| Tier 1 risk-based capital ratio | 11.3827% | 5,532 |
| Total risk-based capital ratio | 12.6332% | 5,485 |
| Memoranda: | ||
| Average total assets | $237,829,800 | 2,736 |
| Average earning assets | $218,758,400 | 2,720 |
| Average equity | $19,853,000 | 3,222 |
| Average total loans | $182,572,000 | 2,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0212% | 293 |
| Cost of funding earning assets | 1.9098% | 3,829 |
| Net interest margin | 5.1114% | 358 |
| Noninterest income to average assets | 1.7343% | 488 |
| Noninterest expense to average assets | 4.9310% | 512 |
| Loan and lease loss provision to assets | 0.4296% | 3,753 |
| Net operating income to assets | 1.0693% | 1,831 |
| Return on assets (ROA) | 1.2749% | 1,349 |
| Pretax return on assets | 1.2749% | 2,030 |
| Return on Equity (ROE) | 15.3691% | 724 |
| Retained earnings to average equity (ytd only) | 13.5072% | 222 |
| Net charge-offs to loans | 0.2079% | 4,738 |
| Credit loss provision to net charge-offs | 271.2766% | 1,564 |
| Earnings coverage of net charge-offs (x) | 9.4646% | 2,106 |
| Efficiency ratio | 76.6879% | 3,382 |
| Assets per employee ($millions) | 2.1866% | 7,627 |
| Cash dividends to net income (ytd only)* | 12.1146% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,005 |
| Loan loss allowance to noncurrent loans | 210.4727% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 5,997 |
| Noncurrent loans to loans | 0.5796% | 6,159 |
| Net loans and leases to total assets | 76.4529% | 1,904 |
| Net loans and leases to deposits | 93.0651% | 2,050 |
| Net loans and leases to core deposits | 133.8523% | 1,221 |
| Total domestic deposits to total assets | 82.1499% | 4,615 |
| Equity capital to assets | 8.6608% | 6,019 |
| Core capital (leverage) ratio | 8.4981% | 5,497 |
| Tier 1 risk-based capital ratio | 11.5814% | 5,361 |
| Total risk-based capital ratio | 12.8317% | 5,298 |
| Memoranda: | ||
| Average total assets | $237,404,000 | 2,758 |
| Average earning assets | $218,097,250 | 2,743 |
| Average equity | $19,692,750 | 3,289 |
| Average total loans | $180,881,250 | 2,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0206% | 306 |
| Cost of funding earning assets | 1.9686% | 3,924 |
| Net interest margin | 5.0520% | 383 |
| Noninterest income to average assets | 1.6610% | 534 |
| Noninterest expense to average assets | 4.9179% | 546 |
| Loan and lease loss provision to assets | 0.4315% | 3,399 |
| Net operating income to assets | 0.9435% | 2,300 |
| Return on assets (ROA) | 1.2532% | 1,425 |
| Pretax return on assets | 1.2532% | 2,154 |
| Return on Equity (ROE) | 15.3368% | 776 |
| Retained earnings to average equity (ytd only) | 14.5601% | 227 |
| Net charge-offs to loans | 0.2211% | 4,120 |
| Credit loss provision to net charge-offs | 257.5758% | 1,806 |
| Earnings coverage of net charge-offs (x) | 8.2071% | 2,295 |
| Efficiency ratio | 78.1498% | 3,324 |
| Assets per employee ($millions) | 2.1478% | 7,729 |
| Cash dividends to net income (ytd only)* | 5.0641% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 5,152 |
| Loan loss allowance to noncurrent loans | 141.0343% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 5,336 |
| Noncurrent loans to loans | 0.8287% | 5,571 |
| Net loans and leases to total assets | 73.8240% | 2,752 |
| Net loans and leases to deposits | 89.3311% | 2,931 |
| Net loans and leases to core deposits | 129.8226% | 1,583 |
| Total domestic deposits to total assets | 82.6410% | 4,405 |
| Equity capital to assets | 8.1908% | 6,506 |
| Core capital (leverage) ratio | 8.2168% | 5,952 |
| Tier 1 risk-based capital ratio | 11.4790% | 5,407 |
| Total risk-based capital ratio | 12.6931% | 5,365 |
| Memoranda: | ||
| Average total assets | $236,361,670 | 2,786 |
| Average earning assets | $216,704,670 | 2,786 |
| Average equity | $19,313,000 | 3,354 |
| Average total loans | $179,120,330 | 2,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0764% | 297 |
| Cost of funding earning assets | 1.9987% | 4,140 |
| Net interest margin | 5.0777% | 340 |
| Noninterest income to average assets | 1.4565% | 661 |
| Noninterest expense to average assets | 4.7860% | 557 |
| Loan and lease loss provision to assets | 0.4354% | 2,750 |
| Net operating income to assets | 0.8896% | 2,740 |
| Return on assets (ROA) | 0.8896% | 2,891 |
| Pretax return on assets | 0.8896% | 3,754 |
| Return on Equity (ROE) | 10.9007% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.9007% | 994 |
| Net charge-offs to loans | 0.3377% | 2,738 |
| Credit loss provision to net charge-offs | 168.8742% | 2,538 |
| Earnings coverage of net charge-offs (x) | 5.1391% | 2,736 |
| Efficiency ratio | 78.3180% | 3,113 |
| Assets per employee ($millions) | 2.2189% | 7,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,783 |
| Loan loss allowance to noncurrent loans | 229.3333% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 5,966 |
| Noncurrent loans to loans | 0.4600% | 6,262 |
| Net loans and leases to total assets | 72.7013% | 3,074 |
| Net loans and leases to deposits | 87.4931% | 3,383 |
| Net loans and leases to core deposits | 126.8624% | 1,855 |
| Total domestic deposits to total assets | 83.0937% | 4,098 |
| Equity capital to assets | 8.0043% | 6,804 |
| Core capital (leverage) ratio | 8.0969% | 6,297 |
| Tier 1 risk-based capital ratio | 11.0330% | 5,882 |
| Total risk-based capital ratio | 12.1335% | 5,918 |
| Memoranda: | ||
| Average total assets | $234,268,000 | 2,831 |
| Average earning assets | $214,742,500 | 2,825 |
| Average equity | $19,118,000 | 3,400 |
| Average total loans | $178,839,000 | 2,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4748% | 106 |
| Cost of funding earning assets | 2.2579% | 5,341 |
| Net interest margin | 6.2168% | 90 |
| Noninterest income to average assets | 1.8113% | 414 |
| Noninterest expense to average assets | 5.7963% | 443 |
| Loan and lease loss provision to assets | 0.4986% | 2,819 |
| Net operating income to assets | 1.1483% | 1,950 |
| Return on assets (ROA) | 1.1483% | 1,877 |
| Pretax return on assets | 1.1483% | 2,841 |
| Return on Equity (ROE) | 14.5112% | 1,007 |
| Retained earnings to average equity (ytd only) | 10.6628% | 366 |
| Net charge-offs to loans | 0.4928% | 2,388 |
| Credit loss provision to net charge-offs | 123.7101% | 4,333 |
| Earnings coverage of net charge-offs (x) | 4.0860% | 4,109 |
| Efficiency ratio | 77.8739% | 2,938 |
| Assets per employee ($millions) | 2.0405% | 7,884 |
| Cash dividends to net income (ytd only)* | 26.5201% | 4,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,027 |
| Loan loss allowance to noncurrent loans | 201.1249% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 5,440 |
| Noncurrent loans to loans | 0.4985% | 5,849 |
| Net loans and leases to total assets | 78.6563% | 1,968 |
| Net loans and leases to deposits | 93.3233% | 2,895 |
| Net loans and leases to core deposits | 128.4238% | 1,970 |
| Total domestic deposits to total assets | 84.2837% | 3,187 |
| Equity capital to assets | 8.3308% | 6,372 |
| Core capital (leverage) ratio | 8.7292% | 5,152 |
| Tier 1 risk-based capital ratio | 10.8890% | 5,819 |
| Total risk-based capital ratio | 11.9444% | 5,917 |
| Memoranda: | ||
| Average total assets | $201,955,200 | 3,114 |
| Average earning assets | $182,955,200 | 3,147 |
| Average equity | $15,980,800 | 3,930 |
| Average total loans | $165,195,200 | 2,697 |