Home > First IC Bank > Performance and Condition Ratios
First IC 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 | 7.2730% | 183 |
| Cost of funding earning assets | 2.4364% | 421 |
| Net interest margin | 4.8366% | 397 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.3869% | 2,630 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.2118% | 331 |
| Return on assets (ROA) | 2.2118% | 322 |
| Pretax return on assets | 2.9824% | 208 |
| Return on Equity (ROE) | 20.8400% | 543 |
| Retained earnings to average equity (ytd only) | 13.1606% | 484 |
| Net charge-offs to loans | -0.0647% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.7221% | 4,256 |
| Assets per employee ($millions) | 9.4718% | 838 |
| Cash dividends to net income (ytd only)* | 36.8607% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 1,891 |
| Loan loss allowance to noncurrent loans | 603.4412% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,417 |
| Noncurrent loans to loans | 0.2117% | 2,464 |
| Net loans and leases to total assets | 78.5800% | 805 |
| Net loans and leases to deposits | 95.1665% | 854 |
| Net loans and leases to core deposits | 141.8627% | 258 |
| Total domestic deposits to total assets | 82.5700% | 2,998 |
| Equity capital to assets | 11.1468% | 1,419 |
| Core capital (leverage) ratio | 11.1319% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0659% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,112,106,400 | 903 |
| Average earning assets | $1,069,961,200 | 869 |
| Average equity | $118,011,200 | 837 |
| Average total loans | $906,807,400 | 788 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1628% | 178 |
| Cost of funding earning assets | 2.2832% | 422 |
| Net interest margin | 4.8796% | 369 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.3674% | 2,606 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 2.2894% | 331 |
| Return on assets (ROA) | 2.2894% | 324 |
| Pretax return on assets | 3.0909% | 216 |
| Return on Equity (ROE) | 21.8600% | 577 |
| Retained earnings to average equity (ytd only) | 11.3799% | 1,093 |
| Net charge-offs to loans | -0.0863% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.5244% | 4,296 |
| Assets per employee ($millions) | 9.7294% | 737 |
| Cash dividends to net income (ytd only)* | 47.9507% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,016 |
| Loan loss allowance to noncurrent loans | 1,055.8477% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 2,955 |
| Noncurrent loans to loans | 0.1201% | 2,965 |
| Net loans and leases to total assets | 76.9900% | 998 |
| Net loans and leases to deposits | 92.8429% | 977 |
| Net loans and leases to core deposits | 136.9661% | 256 |
| Total domestic deposits to total assets | 82.9300% | 3,033 |
| Equity capital to assets | 10.3684% | 1,612 |
| Core capital (leverage) ratio | 10.7219% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1446% | 1,282 |
| Memoranda: | ||
| Average total assets | $1,101,243,750 | 917 |
| Average earning assets | $1,059,467,000 | 877 |
| Average equity | $115,312,000 | 846 |
| Average total loans | $903,555,500 | 793 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0235% | 173 |
| Cost of funding earning assets | 2.0212% | 475 |
| Net interest margin | 5.0023% | 308 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.3567% | 2,634 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.3818% | 275 |
| Return on assets (ROA) | 2.3818% | 269 |
| Pretax return on assets | 3.2146% | 175 |
| Return on Equity (ROE) | 22.6700% | 503 |
| Retained earnings to average equity (ytd only) | 6.6265% | 2,409 |
| Net charge-offs to loans | -0.1300% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.3355% | 4,357 |
| Assets per employee ($millions) | 9.8694% | 689 |
| Cash dividends to net income (ytd only)* | 70.7641% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,238 |
| Loan loss allowance to noncurrent loans | 3,668.2692% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,512 |
| Noncurrent loans to loans | 0.0337% | 3,498 |
| Net loans and leases to total assets | 80.4400% | 589 |
| Net loans and leases to deposits | 96.6338% | 698 |
| Net loans and leases to core deposits | 139.8111% | 214 |
| Total domestic deposits to total assets | 83.2500% | 2,991 |
| Equity capital to assets | 10.2735% | 1,702 |
| Core capital (leverage) ratio | 11.1242% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3593% | 1,473 |
| Memoranda: | ||
| Average total assets | $1,075,907,000 | 919 |
| Average earning assets | $1,034,242,333 | 886 |
| Average equity | $113,062,000 | 855 |
| Average total loans | $898,717,000 | 787 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9117% | 124 |
| Cost of funding earning assets | 1.8832% | 381 |
| Net interest margin | 5.0285% | 290 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.4175% | 2,477 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 2.1308% | 413 |
| Return on assets (ROA) | 2.1308% | 405 |
| Pretax return on assets | 2.8686% | 232 |
| Return on Equity (ROE) | 20.0300% | 763 |
| Retained earnings to average equity (ytd only) | -12.5544% | 4,519 |
| Net charge-offs to loans | -0.0005% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.4476% | 4,286 |
| Assets per employee ($millions) | 9.3394% | 832 |
| Cash dividends to net income (ytd only)* | 162.6659% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,717 |
| Loan loss allowance to noncurrent loans | 3,385.2564% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,483 |
| Noncurrent loans to loans | 0.0345% | 3,501 |
| Net loans and leases to total assets | 83.8400% | 247 |
| Net loans and leases to deposits | 97.6515% | 555 |
| Net loans and leases to core deposits | 132.2653% | 254 |
| Total domestic deposits to total assets | 85.8500% | 2,636 |
| Equity capital to assets | 10.3222% | 1,657 |
| Core capital (leverage) ratio | 10.7245% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6695% | 1,738 |
| Memoranda: | ||
| Average total assets | $1,046,369,500 | 946 |
| Average earning assets | $1,005,946,500 | 915 |
| Average equity | $111,292,000 | 877 |
| Average total loans | $885,837,000 | 807 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 315 |
| Cost of funding earning assets | 0.5745% | 995 |
| Net interest margin | 4.4008% | 353 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 2.7327% | 1,486 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 2.1866% | 218 |
| Return on assets (ROA) | 2.1866% | 211 |
| Pretax return on assets | 2.8380% | 147 |
| Return on Equity (ROE) | 20.0500% | 474 |
| Retained earnings to average equity (ytd only) | 11.6527% | 747 |
| Net charge-offs to loans | 0.0555% | 1,105 |
| Credit loss provision to net charge-offs | 240.9639% | 1,015 |
| Earnings coverage of net charge-offs (x) | 69.6000% | 1,164 |
| Efficiency ratio | 48.1753% | 4,230 |
| Assets per employee ($millions) | 8.7867% | 978 |
| Cash dividends to net income (ytd only)* | 41.8916% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,530 |
| Loan loss allowance to noncurrent loans | 1,431.1268% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,104 |
| Noncurrent loans to loans | 0.0818% | 3,171 |
| Net loans and leases to total assets | 83.4900% | 297 |
| Net loans and leases to deposits | 98.0312% | 519 |
| Net loans and leases to core deposits | 129.1191% | 239 |
| Total domestic deposits to total assets | 85.1700% | 2,950 |
| Equity capital to assets | 10.9611% | 1,271 |
| Core capital (leverage) ratio | 11.6062% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8061% | 1,411 |
| Memoranda: | ||
| Average total assets | $982,535,400 | 994 |
| Average earning assets | $945,938,200 | 953 |
| Average equity | $107,133,600 | 904 |
| Average total loans | $747,494,400 | 861 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 463 |
| Cost of funding earning assets | 0.3749% | 1,483 |
| Net interest margin | 4.1774% | 442 |
| Noninterest income to average assets | 1.6700% | 324 |
| Noninterest expense to average assets | 2.6578% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2477% | 203 |
| Return on assets (ROA) | 2.2477% | 200 |
| Pretax return on assets | 3.0358% | 129 |
| Return on Equity (ROE) | 20.6400% | 388 |
| Retained earnings to average equity (ytd only) | 9.2950% | 1,553 |
| Net charge-offs to loans | -0.0368% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.6808% | 4,342 |
| Assets per employee ($millions) | 8.3979% | 1,117 |
| Cash dividends to net income (ytd only)* | 54.9719% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,319 |
| Loan loss allowance to noncurrent loans | 851.3937% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 2,777 |
| Noncurrent loans to loans | 0.1457% | 2,888 |
| Net loans and leases to total assets | 80.5700% | 486 |
| Net loans and leases to deposits | 92.7824% | 716 |
| Net loans and leases to core deposits | 110.4404% | 455 |
| Total domestic deposits to total assets | 86.8400% | 2,818 |
| Equity capital to assets | 11.1015% | 1,140 |
| Core capital (leverage) ratio | 11.2662% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1216% | 1,397 |
| Memoranda: | ||
| Average total assets | $971,157,000 | 1,015 |
| Average earning assets | $935,235,500 | 974 |
| Average equity | $105,745,750 | 921 |
| Average total loans | $717,242,750 | 880 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 739 |
| Cost of funding earning assets | 0.2592% | 2,151 |
| Net interest margin | 3.8641% | 658 |
| Noninterest income to average assets | 1.9226% | 244 |
| Noninterest expense to average assets | 2.6022% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2570% | 145 |
| Return on assets (ROA) | 2.2570% | 145 |
| Pretax return on assets | 3.0505% | 91 |
| Return on Equity (ROE) | 20.8633% | 252 |
| Retained earnings to average equity (ytd only) | 3.7622% | 3,175 |
| Net charge-offs to loans | -0.0219% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0344% | 4,449 |
| Assets per employee ($millions) | 8.6745% | 994 |
| Cash dividends to net income (ytd only)* | 81.9672% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.7783% | 1,032 |
| Net loans and leases to deposits | 83.3773% | 1,160 |
| Net loans and leases to core deposits | 93.6577% | 933 |
| Total domestic deposits to total assets | 87.2880% | 2,833 |
| Equity capital to assets | 10.5091% | 1,425 |
| Core capital (leverage) ratio | 10.4689% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3421% | 1,348 |
| Memoranda: | ||
| Average total assets | $972,957,333 | 1,003 |
| Average earning assets | $939,198,000 | 970 |
| Average equity | $105,256,667 | 930 |
| Average total loans | $693,689,667 | 897 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 823 |
| Cost of funding earning assets | 0.2556% | 2,094 |
| Net interest margin | 3.7127% | 734 |
| Noninterest income to average assets | 2.4693% | 187 |
| Noninterest expense to average assets | 2.6282% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.5444% | 117 |
| Return on assets (ROA) | 2.5444% | 114 |
| Pretax return on assets | 3.4317% | 80 |
| Return on Equity (ROE) | 23.1850% | 119 |
| Retained earnings to average equity (ytd only) | 23.1850% | 58 |
| Net charge-offs to loans | -0.0442% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3708% | 4,577 |
| Assets per employee ($millions) | 9.2271% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,888 |
| Loan loss allowance to noncurrent loans | 4,684.9515% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,839 |
| Noncurrent loans to loans | 0.0300% | 3,779 |
| Net loans and leases to total assets | 68.0119% | 1,211 |
| Net loans and leases to deposits | 77.8782% | 1,297 |
| Net loans and leases to core deposits | 85.8081% | 1,142 |
| Total domestic deposits to total assets | 87.3311% | 2,806 |
| Equity capital to assets | 10.9020% | 1,384 |
| Core capital (leverage) ratio | 11.2143% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0251% | 1,037 |
| Memoranda: | ||
| Average total assets | $969,328,000 | 1,012 |
| Average earning assets | $937,440,500 | 973 |
| Average equity | $106,379,000 | 949 |
| Average total loans | $679,015,500 | 905 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 1,352 |
| Cost of funding earning assets | 0.3232% | 2,172 |
| Net interest margin | 3.6818% | 1,260 |
| Noninterest income to average assets | 2.1868% | 269 |
| Noninterest expense to average assets | 2.7392% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2716% | 214 |
| Return on assets (ROA) | 2.2716% | 223 |
| Pretax return on assets | 3.0088% | 149 |
| Return on Equity (ROE) | 21.0484% | 258 |
| Retained earnings to average equity (ytd only) | 21.0484% | 49 |
| Net charge-offs to loans | -0.1482% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6548% | 4,427 |
| Assets per employee ($millions) | 8.2643% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,811 |
| Loan loss allowance to noncurrent loans | 4,626.0870% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,909 |
| Noncurrent loans to loans | 0.0309% | 3,852 |
| Net loans and leases to total assets | 70.1652% | 1,026 |
| Net loans and leases to deposits | 79.4357% | 1,260 |
| Net loans and leases to core deposits | 88.0510% | 1,074 |
| Total domestic deposits to total assets | 88.3296% | 1,859 |
| Equity capital to assets | 11.0512% | 1,760 |
| Core capital (leverage) ratio | 11.0779% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1115% | 1,021 |
| Memoranda: | ||
| Average total assets | $862,727,000 | 1,078 |
| Average earning assets | $834,473,000 | 1,046 |
| Average equity | $93,109,000 | 1,071 |
| Average total loans | $619,917,600 | 973 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 1,612 |
| Cost of funding earning assets | 0.3381% | 2,220 |
| Net interest margin | 3.6298% | 1,524 |
| Noninterest income to average assets | 1.5531% | 516 |
| Noninterest expense to average assets | 2.4924% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9017% | 555 |
| Return on assets (ROA) | 1.9017% | 579 |
| Pretax return on assets | 2.5677% | 297 |
| Return on Equity (ROE) | 17.7396% | 656 |
| Retained earnings to average equity (ytd only) | 17.7396% | 208 |
| Net charge-offs to loans | -0.1956% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2560% | 4,279 |
| Assets per employee ($millions) | 8.3812% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,831 |
| Loan loss allowance to noncurrent loans | 1,292.0162% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,559 |
| Noncurrent loans to loans | 0.1120% | 3,532 |
| Net loans and leases to total assets | 71.1785% | 963 |
| Net loans and leases to deposits | 80.7879% | 1,209 |
| Net loans and leases to core deposits | 88.7302% | 1,112 |
| Total domestic deposits to total assets | 88.1054% | 1,774 |
| Equity capital to assets | 10.6155% | 2,350 |
| Core capital (leverage) ratio | 10.6642% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5797% | 1,224 |
| Memoranda: | ||
| Average total assets | $842,876,500 | 1,108 |
| Average earning assets | $814,343,750 | 1,075 |
| Average equity | $90,357,000 | 1,111 |
| Average total loans | $607,241,250 | 1,018 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 1,463 |
| Cost of funding earning assets | 0.3691% | 2,147 |
| Net interest margin | 3.6763% | 1,402 |
| Noninterest income to average assets | 1.0951% | 934 |
| Noninterest expense to average assets | 2.4501% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6284% | 988 |
| Return on assets (ROA) | 1.6284% | 1,044 |
| Pretax return on assets | 2.1948% | 580 |
| Return on Equity (ROE) | 15.1356% | 1,123 |
| Retained earnings to average equity (ytd only) | 15.1356% | 411 |
| Net charge-offs to loans | -0.2964% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7486% | 3,955 |
| Assets per employee ($millions) | 8.0872% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.8403% | 1,465 |
| Net loans and leases to deposits | 76.1417% | 1,804 |
| Net loans and leases to core deposits | 83.2260% | 1,623 |
| Total domestic deposits to total assets | 89.0974% | 1,230 |
| Equity capital to assets | 10.3817% | 2,506 |
| Core capital (leverage) ratio | 10.5428% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9203% | 1,142 |
| Memoranda: | ||
| Average total assets | $819,318,667 | 1,129 |
| Average earning assets | $791,124,333 | 1,102 |
| Average equity | $88,150,000 | 1,129 |
| Average total loans | $589,722,000 | 1,045 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 1,875 |
| Cost of funding earning assets | 0.3962% | 2,129 |
| Net interest margin | 3.4851% | 1,864 |
| Noninterest income to average assets | 1.0860% | 1,000 |
| Noninterest expense to average assets | 2.4125% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5067% | 1,314 |
| Return on assets (ROA) | 1.5067% | 1,376 |
| Pretax return on assets | 2.0344% | 900 |
| Return on Equity (ROE) | 13.7346% | 1,484 |
| Retained earnings to average equity (ytd only) | 13.7346% | 790 |
| Net charge-offs to loans | -0.5386% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2508% | 3,754 |
| Assets per employee ($millions) | 7.4498% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,309 |
| Loan loss allowance to noncurrent loans | 125.2854% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 908 |
| Noncurrent loans to loans | 1.2732% | 1,017 |
| Net loans and leases to total assets | 71.7074% | 1,068 |
| Net loans and leases to deposits | 80.9621% | 1,424 |
| Net loans and leases to core deposits | 88.2544% | 1,347 |
| Total domestic deposits to total assets | 88.5690% | 1,577 |
| Equity capital to assets | 10.8080% | 2,002 |
| Core capital (leverage) ratio | 10.9379% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5020% | 1,737 |
| Memoranda: | ||
| Average total assets | $788,225,000 | 1,162 |
| Average earning assets | $760,143,500 | 1,125 |
| Average equity | $86,467,500 | 1,136 |
| Average total loans | $580,809,500 | 1,064 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 1,785 |
| Cost of funding earning assets | 0.9820% | 636 |
| Net interest margin | 3.3426% | 2,948 |
| Noninterest income to average assets | 1.2273% | 743 |
| Noninterest expense to average assets | 2.5918% | 2,583 |
| Loan and lease loss provision to assets | 0.5056% | 478 |
| Net operating income to assets | 1.0170% | 2,229 |
| Return on assets (ROA) | 1.0170% | 2,370 |
| Pretax return on assets | 1.3470% | 1,830 |
| Return on Equity (ROE) | 9.0613% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.6684% | 1,154 |
| Net charge-offs to loans | 0.2529% | 685 |
| Credit loss provision to net charge-offs | 257.6438% | 1,899 |
| Earnings coverage of net charge-offs (x) | 9.4404% | 2,522 |
| Efficiency ratio | 58.3155% | 3,682 |
| Assets per employee ($millions) | 6.9493% | 1,618 |
| Cash dividends to net income (ytd only)* | 15.3721% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,520 |
| Loan loss allowance to noncurrent loans | 114.9058% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 974 |
| Noncurrent loans to loans | 1.3220% | 1,025 |
| Net loans and leases to total assets | 73.4201% | 1,100 |
| Net loans and leases to deposits | 83.0321% | 1,543 |
| Net loans and leases to core deposits | 92.2483% | 1,370 |
| Total domestic deposits to total assets | 88.4238% | 1,266 |
| Equity capital to assets | 11.1419% | 2,140 |
| Core capital (leverage) ratio | 11.0441% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4531% | 1,696 |
| Memoranda: | ||
| Average total assets | $726,632,000 | 1,140 |
| Average earning assets | $699,369,800 | 1,104 |
| Average equity | $81,555,400 | 1,139 |
| Average total loans | $563,858,800 | 1,039 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,607 |
| Cost of funding earning assets | 1.1329% | 469 |
| Net interest margin | 3.3526% | 3,037 |
| Noninterest income to average assets | 1.1933% | 749 |
| Noninterest expense to average assets | 2.6007% | 2,525 |
| Loan and lease loss provision to assets | 0.5529% | 490 |
| Net operating income to assets | 0.9398% | 2,565 |
| Return on assets (ROA) | 0.9398% | 2,693 |
| Pretax return on assets | 1.2670% | 2,169 |
| Return on Equity (ROE) | 8.3567% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.4787% | 1,892 |
| Net charge-offs to loans | 0.1579% | 935 |
| Credit loss provision to net charge-offs | 446.5465% | 1,373 |
| Earnings coverage of net charge-offs (x) | 14.6982% | 2,140 |
| Efficiency ratio | 58.8317% | 3,550 |
| Assets per employee ($millions) | 6.7868% | 1,630 |
| Cash dividends to net income (ytd only)* | 22.4728% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,394 |
| Loan loss allowance to noncurrent loans | 87.7845% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 684 |
| Noncurrent loans to loans | 1.7034% | 803 |
| Net loans and leases to total assets | 77.6267% | 875 |
| Net loans and leases to deposits | 88.0561% | 1,479 |
| Net loans and leases to core deposits | 99.3088% | 1,214 |
| Total domestic deposits to total assets | 88.1560% | 1,146 |
| Equity capital to assets | 11.2364% | 2,200 |
| Core capital (leverage) ratio | 11.0855% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0196% | 1,824 |
| Memoranda: | ||
| Average total assets | $717,185,250 | 1,137 |
| Average earning assets | $690,343,000 | 1,099 |
| Average equity | $80,651,500 | 1,142 |
| Average total loans | $562,350,000 | 1,034 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,581 |
| Cost of funding earning assets | 1.3745% | 248 |
| Net interest margin | 3.2564% | 3,505 |
| Noninterest income to average assets | 1.1823% | 712 |
| Noninterest expense to average assets | 2.6508% | 2,521 |
| Loan and lease loss provision to assets | 0.6510% | 449 |
| Net operating income to assets | 0.7592% | 3,186 |
| Return on assets (ROA) | 0.7592% | 3,298 |
| Pretax return on assets | 1.0157% | 2,980 |
| Return on Equity (ROE) | 6.7495% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.9034% | 2,954 |
| Net charge-offs to loans | 0.1339% | 1,045 |
| Credit loss provision to net charge-offs | 620.9677% | 1,084 |
| Earnings coverage of net charge-offs (x) | 15.8978% | 1,885 |
| Efficiency ratio | 61.3969% | 3,216 |
| Assets per employee ($millions) | 6.8528% | 1,531 |
| Cash dividends to net income (ytd only)* | 42.1678% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,377 |
| Loan loss allowance to noncurrent loans | 74.4559% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.6508% | 523 |
| Noncurrent loans to loans | 1.9627% | 696 |
| Net loans and leases to total assets | 76.0564% | 1,131 |
| Net loans and leases to deposits | 86.1839% | 1,746 |
| Net loans and leases to core deposits | 99.1136% | 1,321 |
| Total domestic deposits to total assets | 88.2490% | 1,062 |
| Equity capital to assets | 10.9559% | 2,383 |
| Core capital (leverage) ratio | 10.9837% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7480% | 1,906 |
| Memoranda: | ||
| Average total assets | $709,661,000 | 1,131 |
| Average earning assets | $683,279,000 | 1,098 |
| Average equity | $79,828,000 | 1,143 |
| Average total loans | $555,477,667 | 1,030 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 705 |
| Cost of funding earning assets | 1.6057% | 186 |
| Net interest margin | 3.5577% | 2,794 |
| Noninterest income to average assets | 1.6474% | 333 |
| Noninterest expense to average assets | 3.0344% | 1,795 |
| Loan and lease loss provision to assets | 1.0829% | 191 |
| Net operating income to assets | 0.7315% | 3,162 |
| Return on assets (ROA) | 0.7315% | 3,248 |
| Pretax return on assets | 0.9619% | 2,957 |
| Return on Equity (ROE) | 6.4142% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.4142% | 1,742 |
| Net charge-offs to loans | -0.0117% | 4,127 |
| Credit loss provision to net charge-offs | -11,750.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7414% | 3,773 |
| Assets per employee ($millions) | 6.0540% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,304 |
| Loan loss allowance to noncurrent loans | 71.0497% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7534% | 540 |
| Noncurrent loans to loans | 2.1260% | 636 |
| Net loans and leases to total assets | 79.1555% | 796 |
| Net loans and leases to deposits | 90.7635% | 1,425 |
| Net loans and leases to core deposits | 107.2268% | 981 |
| Total domestic deposits to total assets | 87.2107% | 1,462 |
| Equity capital to assets | 11.7450% | 2,254 |
| Core capital (leverage) ratio | 11.1464% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1670% | 1,857 |
| Memoranda: | ||
| Average total assets | $694,438,500 | 1,125 |
| Average earning assets | $669,872,000 | 1,077 |
| Average equity | $79,199,500 | 1,145 |
| Average total loans | $547,593,500 | 1,013 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 325 |
| Cost of funding earning assets | 1.6899% | 199 |
| Net interest margin | 4.1089% | 1,517 |
| Noninterest income to average assets | 1.4678% | 428 |
| Noninterest expense to average assets | 2.9383% | 2,176 |
| Loan and lease loss provision to assets | 0.1238% | 1,713 |
| Net operating income to assets | 1.7496% | 594 |
| Return on assets (ROA) | 1.7496% | 630 |
| Pretax return on assets | 2.3612% | 267 |
| Return on Equity (ROE) | 14.4731% | 799 |
| Retained earnings to average equity (ytd only) | 7.7813% | 1,049 |
| Net charge-offs to loans | -0.1389% | 5,006 |
| Credit loss provision to net charge-offs | -114.3498% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1796% | 4,407 |
| Assets per employee ($millions) | 6.2926% | 1,425 |
| Cash dividends to net income (ytd only)* | 46.2364% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,569 |
| Loan loss allowance to noncurrent loans | 85.2167% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 1,059 |
| Noncurrent loans to loans | 1.3792% | 1,073 |
| Net loans and leases to total assets | 76.4737% | 1,328 |
| Net loans and leases to deposits | 86.8259% | 1,992 |
| Net loans and leases to core deposits | 102.6291% | 1,344 |
| Total domestic deposits to total assets | 88.0770% | 1,098 |
| Equity capital to assets | 11.0746% | 2,925 |
| Core capital (leverage) ratio | 10.9107% | 2,580 |
| Tier 1 risk-based capital ratio | 13.9317% | 3,305 |
| Total risk-based capital ratio | 15.0772% | 3,261 |
| Memoranda: | ||
| Average total assets | $618,069,200 | 1,197 |
| Average earning assets | $595,001,200 | 1,164 |
| Average equity | $74,717,800 | 1,156 |
| Average total loans | $481,579,200 | 1,113 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9647% | 257 |
| Cost of funding earning assets | 1.6383% | 257 |
| Net interest margin | 4.3264% | 1,113 |
| Noninterest income to average assets | 1.4657% | 424 |
| Noninterest expense to average assets | 2.9691% | 2,057 |
| Loan and lease loss provision to assets | 0.1274% | 1,519 |
| Net operating income to assets | 1.8779% | 523 |
| Return on assets (ROA) | 1.8779% | 541 |
| Pretax return on assets | 2.5307% | 236 |
| Return on Equity (ROE) | 15.1584% | 747 |
| Retained earnings to average equity (ytd only) | 6.1355% | 2,311 |
| Net charge-offs to loans | -0.2173% | 5,126 |
| Credit loss provision to net charge-offs | -75.0988% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7631% | 4,531 |
| Assets per employee ($millions) | 6.4449% | 1,303 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,144 |
| Loan loss allowance to noncurrent loans | 212.3611% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 2,393 |
| Noncurrent loans to loans | 0.5956% | 2,499 |
| Net loans and leases to total assets | 70.0627% | 2,461 |
| Net loans and leases to deposits | 79.2883% | 2,974 |
| Net loans and leases to core deposits | 94.0135% | 2,177 |
| Total domestic deposits to total assets | 88.3645% | 893 |
| Equity capital to assets | 10.8031% | 3,291 |
| Core capital (leverage) ratio | 10.8906% | 2,747 |
| Tier 1 risk-based capital ratio | 14.8806% | 2,910 |
| Total risk-based capital ratio | 16.1220% | 2,838 |
| Memoranda: | ||
| Average total assets | $596,393,500 | 1,230 |
| Average earning assets | $573,675,500 | 1,200 |
| Average equity | $73,884,500 | 1,167 |
| Average total loans | $465,630,250 | 1,142 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0153% | 225 |
| Cost of funding earning assets | 1.4855% | 396 |
| Net interest margin | 4.5297% | 715 |
| Noninterest income to average assets | 1.4801% | 407 |
| Noninterest expense to average assets | 3.1043% | 1,721 |
| Loan and lease loss provision to assets | 0.1337% | 1,388 |
| Net operating income to assets | 1.9382% | 437 |
| Return on assets (ROA) | 1.9382% | 459 |
| Pretax return on assets | 2.6120% | 206 |
| Return on Equity (ROE) | 14.8520% | 790 |
| Retained earnings to average equity (ytd only) | 1.1937% | 4,379 |
| Net charge-offs to loans | -0.3343% | 5,196 |
| Credit loss provision to net charge-offs | -49.3421% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0652% | 4,557 |
| Assets per employee ($millions) | 5.6301% | 1,840 |
| Cash dividends to net income (ytd only)* | 91.9625% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,141 |
| Loan loss allowance to noncurrent loans | 201.5501% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,163 |
| Noncurrent loans to loans | 0.6293% | 2,374 |
| Net loans and leases to total assets | 76.8142% | 1,415 |
| Net loans and leases to deposits | 87.7475% | 2,033 |
| Net loans and leases to core deposits | 104.4907% | 1,343 |
| Total domestic deposits to total assets | 87.5400% | 1,322 |
| Equity capital to assets | 11.7539% | 2,380 |
| Core capital (leverage) ratio | 12.4131% | 1,581 |
| Tier 1 risk-based capital ratio | 14.9265% | 2,880 |
| Total risk-based capital ratio | 16.1767% | 2,795 |
| Memoranda: | ||
| Average total assets | $561,027,000 | 1,294 |
| Average earning assets | $541,222,330 | 1,252 |
| Average equity | $73,215,670 | 1,168 |
| Average total loans | $454,676,670 | 1,157 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0678% | 199 |
| Cost of funding earning assets | 1.3697% | 512 |
| Net interest margin | 4.6981% | 496 |
| Noninterest income to average assets | 1.6522% | 322 |
| Noninterest expense to average assets | 3.1909% | 1,518 |
| Loan and lease loss provision to assets | 0.1354% | 1,278 |
| Net operating income to assets | 2.1185% | 307 |
| Return on assets (ROA) | 2.1185% | 324 |
| Pretax return on assets | 2.8480% | 149 |
| Return on Equity (ROE) | 15.3459% | 689 |
| Retained earnings to average equity (ytd only) | 15.3459% | 256 |
| Net charge-offs to loans | -0.6783% | 5,289 |
| Credit loss provision to net charge-offs | -24.0642% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6809% | 4,716 |
| Assets per employee ($millions) | 5.2136% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,386 |
| Loan loss allowance to noncurrent loans | 230.8053% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 2,273 |
| Noncurrent loans to loans | 0.5369% | 2,701 |
| Net loans and leases to total assets | 83.5712% | 412 |
| Net loans and leases to deposits | 101.5223% | 524 |
| Net loans and leases to core deposits | 120.1928% | 524 |
| Total domestic deposits to total assets | 82.3181% | 3,640 |
| Equity capital to assets | 13.3110% | 1,288 |
| Core capital (leverage) ratio | 14.1664% | 905 |
| Tier 1 risk-based capital ratio | 15.4602% | 2,670 |
| Total risk-based capital ratio | 16.6771% | 2,599 |
| Memoranda: | ||
| Average total assets | $531,886,000 | 1,360 |
| Average earning assets | $511,952,000 | 1,311 |
| Average equity | $73,427,000 | 1,159 |
| Average total loans | $441,101,000 | 1,187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6500% | 299 |
| Cost of funding earning assets | 0.9701% | 840 |
| Net interest margin | 4.6798% | 509 |
| Noninterest income to average assets | 2.2605% | 227 |
| Noninterest expense to average assets | 3.5664% | 910 |
| Loan and lease loss provision to assets | 0.3030% | 533 |
| Net operating income to assets | 2.1629% | 268 |
| Return on assets (ROA) | 2.1629% | 262 |
| Pretax return on assets | 2.8878% | 108 |
| Return on Equity (ROE) | 14.3342% | 969 |
| Retained earnings to average equity (ytd only) | 14.3342% | 146 |
| Net charge-offs to loans | 0.2955% | 656 |
| Credit loss provision to net charge-offs | 126.5230% | 2,079 |
| Earnings coverage of net charge-offs (x) | 13.3233% | 2,471 |
| Efficiency ratio | 52.7786% | 4,733 |
| Assets per employee ($millions) | 4.9575% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,427 |
| Loan loss allowance to noncurrent loans | 201.3760% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 1,302 |
| Noncurrent loans to loans | 0.6090% | 2,452 |
| Net loans and leases to total assets | 80.0391% | 937 |
| Net loans and leases to deposits | 94.0915% | 1,268 |
| Net loans and leases to core deposits | 110.9742% | 942 |
| Total domestic deposits to total assets | 85.0653% | 2,621 |
| Equity capital to assets | 14.3606% | 874 |
| Core capital (leverage) ratio | 14.7547% | 743 |
| Tier 1 risk-based capital ratio | 17.2562% | 1,970 |
| Total risk-based capital ratio | 18.4457% | 1,945 |
| Memoranda: | ||
| Average total assets | $445,522,400 | 1,549 |
| Average earning assets | $428,091,600 | 1,504 |
| Average equity | $67,223,800 | 1,202 |
| Average total loans | $361,075,800 | 1,364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 338 |
| Cost of funding earning assets | 0.8655% | 1,047 |
| Net interest margin | 4.6664% | 503 |
| Noninterest income to average assets | 2.2356% | 235 |
| Noninterest expense to average assets | 3.5948% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3156% | 217 |
| Return on assets (ROA) | 2.3156% | 215 |
| Pretax return on assets | 3.1247% | 101 |
| Return on Equity (ROE) | 15.1348% | 845 |
| Retained earnings to average equity (ytd only) | 15.1348% | 171 |
| Net charge-offs to loans | 0.2904% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.2783% | 2,376 |
| Efficiency ratio | 53.4976% | 4,655 |
| Assets per employee ($millions) | 4.9117% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,631 |
| Loan loss allowance to noncurrent loans | 94.0641% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 1,214 |
| Noncurrent loans to loans | 1.0869% | 1,565 |
| Net loans and leases to total assets | 81.5364% | 791 |
| Net loans and leases to deposits | 97.3656% | 1,009 |
| Net loans and leases to core deposits | 115.8688% | 723 |
| Total domestic deposits to total assets | 83.7425% | 3,034 |
| Equity capital to assets | 14.9380% | 735 |
| Core capital (leverage) ratio | 14.9833% | 708 |
| Tier 1 risk-based capital ratio | 17.5339% | 1,913 |
| Total risk-based capital ratio | 18.5176% | 1,953 |
| Memoranda: | ||
| Average total assets | $431,726,750 | 1,599 |
| Average earning assets | $414,842,750 | 1,554 |
| Average equity | $66,053,750 | 1,223 |
| Average total loans | $349,910,750 | 1,406 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 343 |
| Cost of funding earning assets | 0.7317% | 1,461 |
| Net interest margin | 4.7309% | 405 |
| Noninterest income to average assets | 2.3723% | 219 |
| Noninterest expense to average assets | 3.6030% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4575% | 162 |
| Return on assets (ROA) | 2.4575% | 161 |
| Pretax return on assets | 3.3097% | 84 |
| Return on Equity (ROE) | 15.9229% | 691 |
| Retained earnings to average equity (ytd only) | 15.9229% | 159 |
| Net charge-offs to loans | -0.0130% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1212% | 4,877 |
| Assets per employee ($millions) | 4.6891% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,999 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.2708% | 1,270 |
| Net loans and leases to deposits | 93.0109% | 1,475 |
| Net loans and leases to core deposits | 109.6908% | 1,019 |
| Total domestic deposits to total assets | 84.1522% | 3,005 |
| Equity capital to assets | 15.1288% | 666 |
| Core capital (leverage) ratio | 15.9690% | 503 |
| Tier 1 risk-based capital ratio | 18.2290% | 1,742 |
| Total risk-based capital ratio | 19.4792% | 1,698 |
| Memoranda: | ||
| Average total assets | $420,097,330 | 1,639 |
| Average earning assets | $403,180,000 | 1,598 |
| Average equity | $64,837,330 | 1,236 |
| Average total loans | $338,417,330 | 1,449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 338 |
| Cost of funding earning assets | 0.6606% | 1,656 |
| Net interest margin | 4.7300% | 388 |
| Noninterest income to average assets | 2.2375% | 233 |
| Noninterest expense to average assets | 3.6690% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3171% | 199 |
| Return on assets (ROA) | 2.3171% | 201 |
| Pretax return on assets | 3.1025% | 103 |
| Return on Equity (ROE) | 14.8523% | 826 |
| Retained earnings to average equity (ytd only) | 14.8523% | 336 |
| Net charge-offs to loans | -0.0242% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1830% | 4,783 |
| Assets per employee ($millions) | 4.6169% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,871 |
| Loan loss allowance to noncurrent loans | 471,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 2,933 |
| Noncurrent loans to loans | 0.0003% | 5,034 |
| Net loans and leases to total assets | 81.2140% | 757 |
| Net loans and leases to deposits | 100.1720% | 695 |
| Net loans and leases to core deposits | 112.8895% | 849 |
| Total domestic deposits to total assets | 81.0746% | 4,179 |
| Equity capital to assets | 15.7381% | 531 |
| Core capital (leverage) ratio | 15.8238% | 511 |
| Tier 1 risk-based capital ratio | 18.1518% | 1,786 |
| Total risk-based capital ratio | 19.4026% | 1,743 |
| Memoranda: | ||
| Average total assets | $407,411,500 | 1,705 |
| Average earning assets | $390,531,500 | 1,650 |
| Average equity | $63,559,000 | 1,263 |
| Average total loans | $330,933,000 | 1,483 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 496 |
| Cost of funding earning assets | 0.5527% | 1,931 |
| Net interest margin | 4.5826% | 517 |
| Noninterest income to average assets | 2.9337% | 179 |
| Noninterest expense to average assets | 3.8154% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.2077% | 191 |
| Return on assets (ROA) | 2.2077% | 192 |
| Pretax return on assets | 3.5194% | 76 |
| Return on Equity (ROE) | 13.7445% | 801 |
| Retained earnings to average equity (ytd only) | 13.1786% | 125 |
| Net charge-offs to loans | -0.0350% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0178% | 5,101 |
| Assets per employee ($millions) | 4.5384% | 3,132 |
| Cash dividends to net income (ytd only)* | 4.1169% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,578 |
| Loan loss allowance to noncurrent loans | 42,654.5455% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 2,914 |
| Noncurrent loans to loans | 0.0034% | 5,048 |
| Net loans and leases to total assets | 78.9146% | 1,135 |
| Net loans and leases to deposits | 94.5497% | 1,214 |
| Net loans and leases to core deposits | 105.7597% | 1,276 |
| Total domestic deposits to total assets | 83.4636% | 3,394 |
| Equity capital to assets | 15.4609% | 592 |
| Core capital (leverage) ratio | 15.6872% | 517 |
| Tier 1 risk-based capital ratio | 18.3336% | 1,701 |
| Total risk-based capital ratio | 19.5854% | 1,656 |
| Memoranda: | ||
| Average total assets | $364,186,200 | 1,850 |
| Average earning assets | $349,760,600 | 1,806 |
| Average equity | $58,496,200 | 1,341 |
| Average total loans | $297,446,000 | 1,582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 506 |
| Cost of funding earning assets | 0.5238% | 2,082 |
| Net interest margin | 4.5720% | 516 |
| Noninterest income to average assets | 2.9342% | 187 |
| Noninterest expense to average assets | 3.8051% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2093% | 210 |
| Return on assets (ROA) | 2.2093% | 213 |
| Pretax return on assets | 3.5217% | 84 |
| Return on Equity (ROE) | 13.6094% | 910 |
| Retained earnings to average equity (ytd only) | 13.3775% | 189 |
| Net charge-offs to loans | -0.0463% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9340% | 5,105 |
| Assets per employee ($millions) | 4.3618% | 3,369 |
| Cash dividends to net income (ytd only)* | 1.7036% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,582 |
| Loan loss allowance to noncurrent loans | 343.2650% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 1,676 |
| Noncurrent loans to loans | 0.4333% | 3,408 |
| Net loans and leases to total assets | 81.8486% | 718 |
| Net loans and leases to deposits | 98.3039% | 886 |
| Net loans and leases to core deposits | 110.0568% | 1,029 |
| Total domestic deposits to total assets | 83.2608% | 3,374 |
| Equity capital to assets | 15.9073% | 558 |
| Core capital (leverage) ratio | 16.6381% | 414 |
| Tier 1 risk-based capital ratio | 18.2609% | 1,786 |
| Total risk-based capital ratio | 19.5132% | 1,749 |
| Memoranda: | ||
| Average total assets | $354,254,000 | 1,903 |
| Average earning assets | $340,350,500 | 1,855 |
| Average equity | $57,508,000 | 1,380 |
| Average total loans | $290,947,500 | 1,614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 601 |
| Cost of funding earning assets | 0.5186% | 2,024 |
| Net interest margin | 4.4395% | 647 |
| Noninterest income to average assets | 2.8961% | 190 |
| Noninterest expense to average assets | 3.6814% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1530% | 234 |
| Return on assets (ROA) | 2.1530% | 241 |
| Pretax return on assets | 3.4871% | 90 |
| Return on Equity (ROE) | 13.1658% | 995 |
| Retained earnings to average equity (ytd only) | 13.1658% | 243 |
| Net charge-offs to loans | 0.0078% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 548.1818% | 152 |
| Efficiency ratio | 51.3553% | 5,217 |
| Assets per employee ($millions) | 4.4206% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,526 |
| Loan loss allowance to noncurrent loans | 200.8337% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,308 |
| Noncurrent loans to loans | 0.7552% | 2,503 |
| Net loans and leases to total assets | 83.0008% | 556 |
| Net loans and leases to deposits | 100.2205% | 721 |
| Net loans and leases to core deposits | 112.5783% | 872 |
| Total domestic deposits to total assets | 82.8182% | 3,623 |
| Equity capital to assets | 16.3359% | 494 |
| Core capital (leverage) ratio | 15.7234% | 515 |
| Tier 1 risk-based capital ratio | 18.4933% | 1,716 |
| Total risk-based capital ratio | 19.7460% | 1,678 |
| Memoranda: | ||
| Average total assets | $345,845,330 | 1,946 |
| Average earning assets | $332,833,670 | 1,887 |
| Average equity | $56,555,670 | 1,399 |
| Average total loans | $282,834,000 | 1,652 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 723 |
| Cost of funding earning assets | 0.5072% | 2,025 |
| Net interest margin | 4.3068% | 773 |
| Noninterest income to average assets | 2.8493% | 204 |
| Noninterest expense to average assets | 3.4780% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2135% | 221 |
| Return on assets (ROA) | 2.2135% | 225 |
| Pretax return on assets | 3.5204% | 99 |
| Return on Equity (ROE) | 13.5285% | 898 |
| Retained earnings to average equity (ytd only) | 13.5285% | 332 |
| Net charge-offs to loans | -0.0307% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6972% | 5,393 |
| Assets per employee ($millions) | 4.7171% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,272 |
| Loan loss allowance to noncurrent loans | 495.4839% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 3,262 |
| Noncurrent loans to loans | 0.3312% | 3,923 |
| Net loans and leases to total assets | 78.0656% | 1,130 |
| Net loans and leases to deposits | 94.1021% | 1,095 |
| Net loans and leases to core deposits | 104.7270% | 1,176 |
| Total domestic deposits to total assets | 82.9583% | 3,856 |
| Equity capital to assets | 15.9995% | 499 |
| Core capital (leverage) ratio | 16.5144% | 404 |
| Tier 1 risk-based capital ratio | 19.2853% | 1,542 |
| Total risk-based capital ratio | 20.5395% | 1,513 |
| Memoranda: | ||
| Average total assets | $339,733,000 | 1,990 |
| Average earning assets | $327,296,000 | 1,926 |
| Average equity | $55,586,500 | 1,417 |
| Average total loans | $273,362,000 | 1,710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 970 |
| Cost of funding earning assets | 0.4957% | 2,119 |
| Net interest margin | 4.2525% | 1,009 |
| Noninterest income to average assets | 3.0709% | 193 |
| Noninterest expense to average assets | 3.4668% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.2917% | 201 |
| Return on assets (ROA) | 2.2917% | 211 |
| Pretax return on assets | 3.6951% | 78 |
| Return on Equity (ROE) | 14.0854% | 759 |
| Retained earnings to average equity (ytd only) | 14.0854% | 125 |
| Net charge-offs to loans | 0.0875% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 54.1302% | 962 |
| Efficiency ratio | 48.4063% | 5,556 |
| Assets per employee ($millions) | 4.2853% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 1,093 |
| Loan loss allowance to noncurrent loans | 577.8338% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 3,665 |
| Noncurrent loans to loans | 0.2986% | 4,076 |
| Net loans and leases to total assets | 80.2453% | 865 |
| Net loans and leases to deposits | 97.1933% | 896 |
| Net loans and leases to core deposits | 108.5893% | 987 |
| Total domestic deposits to total assets | 82.5626% | 3,913 |
| Equity capital to assets | 16.7554% | 418 |
| Core capital (leverage) ratio | 16.3118% | 424 |
| Tier 1 risk-based capital ratio | 19.8136% | 1,416 |
| Total risk-based capital ratio | 21.0686% | 1,381 |
| Memoranda: | ||
| Average total assets | $314,957,600 | 2,096 |
| Average earning assets | $302,995,000 | 2,024 |
| Average equity | $51,244,600 | 1,490 |
| Average total loans | $245,764,000 | 1,818 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 978 |
| Cost of funding earning assets | 0.4841% | 2,222 |
| Net interest margin | 4.2695% | 986 |
| Noninterest income to average assets | 2.8854% | 218 |
| Noninterest expense to average assets | 3.1698% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.3730% | 190 |
| Return on assets (ROA) | 2.3730% | 197 |
| Pretax return on assets | 3.8204% | 77 |
| Return on Equity (ROE) | 14.6994% | 704 |
| Retained earnings to average equity (ytd only) | 14.6994% | 142 |
| Net charge-offs to loans | 0.1207% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 41.0458% | 1,217 |
| Efficiency ratio | 45.3457% | 5,696 |
| Assets per employee ($millions) | 4.7274% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 988 |
| Loan loss allowance to noncurrent loans | 577.4559% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,248 |
| Noncurrent loans to loans | 0.3144% | 4,127 |
| Net loans and leases to total assets | 74.9194% | 1,718 |
| Net loans and leases to deposits | 90.1368% | 1,735 |
| Net loans and leases to core deposits | 101.3461% | 1,529 |
| Total domestic deposits to total assets | 83.1174% | 3,537 |
| Equity capital to assets | 16.1120% | 538 |
| Core capital (leverage) ratio | 16.0740% | 460 |
| Tier 1 risk-based capital ratio | 20.2620% | 1,396 |
| Total risk-based capital ratio | 21.5183% | 1,362 |
| Memoranda: | ||
| Average total assets | $312,277,000 | 2,106 |
| Average earning assets | $300,232,750 | 2,045 |
| Average equity | $50,413,500 | 1,512 |
| Average total loans | $240,722,250 | 1,844 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 734 |
| Cost of funding earning assets | 0.4724% | 2,346 |
| Net interest margin | 4.4191% | 732 |
| Noninterest income to average assets | 3.1399% | 191 |
| Noninterest expense to average assets | 3.3836% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4825% | 157 |
| Return on assets (ROA) | 2.4825% | 158 |
| Pretax return on assets | 3.9985% | 70 |
| Return on Equity (ROE) | 15.3665% | 630 |
| Retained earnings to average equity (ytd only) | 15.3665% | 134 |
| Net charge-offs to loans | -0.5127% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8352% | 5,759 |
| Assets per employee ($millions) | 4.6895% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2652% | 499 |
| Loan loss allowance to noncurrent loans | 413.2926% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 3,212 |
| Noncurrent loans to loans | 0.5481% | 3,424 |
| Net loans and leases to total assets | 70.1039% | 2,463 |
| Net loans and leases to deposits | 83.4642% | 2,534 |
| Net loans and leases to core deposits | 93.1968% | 2,243 |
| Total domestic deposits to total assets | 83.9928% | 3,271 |
| Equity capital to assets | 15.4639% | 635 |
| Core capital (leverage) ratio | 16.4364% | 411 |
| Tier 1 risk-based capital ratio | 20.5535% | 1,336 |
| Total risk-based capital ratio | 21.8151% | 1,314 |
| Memoranda: | ||
| Average total assets | $306,062,330 | 2,140 |
| Average earning assets | $293,814,670 | 2,094 |
| Average equity | $49,445,330 | 1,538 |
| Average total loans | $236,793,330 | 1,873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 777 |
| Cost of funding earning assets | 0.4724% | 2,351 |
| Net interest margin | 4.3696% | 797 |
| Noninterest income to average assets | 3.7893% | 162 |
| Noninterest expense to average assets | 3.7811% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.6055% | 136 |
| Return on assets (ROA) | 2.6055% | 141 |
| Pretax return on assets | 4.1939% | 69 |
| Return on Equity (ROE) | 15.7443% | 566 |
| Retained earnings to average equity (ytd only) | 15.7443% | 201 |
| Net charge-offs to loans | -0.0068% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4117% | 5,749 |
| Assets per employee ($millions) | 4.3274% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 797 |
| Loan loss allowance to noncurrent loans | 2,344.8780% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,534 |
| Noncurrent loans to loans | 0.0860% | 5,130 |
| Net loans and leases to total assets | 78.2417% | 1,073 |
| Net loans and leases to deposits | 95.3159% | 1,006 |
| Net loans and leases to core deposits | 105.5007% | 1,107 |
| Total domestic deposits to total assets | 82.0867% | 4,198 |
| Equity capital to assets | 16.5764% | 464 |
| Core capital (leverage) ratio | 16.6410% | 402 |
| Tier 1 risk-based capital ratio | 19.9101% | 1,519 |
| Total risk-based capital ratio | 21.1685% | 1,485 |
| Memoranda: | ||
| Average total assets | $292,615,000 | 2,231 |
| Average earning assets | $280,298,500 | 2,177 |
| Average equity | $48,424,000 | 1,564 |
| Average total loans | $235,777,000 | 1,877 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 1,719 |
| Cost of funding earning assets | 0.3743% | 3,433 |
| Net interest margin | 4.0848% | 1,447 |
| Noninterest income to average assets | 3.0671% | 199 |
| Noninterest expense to average assets | 3.6909% | 989 |
| Loan and lease loss provision to assets | -0.1925% | 5,978 |
| Net operating income to assets | 2.1574% | 265 |
| Return on assets (ROA) | 2.1574% | 271 |
| Pretax return on assets | 3.4415% | 92 |
| Return on Equity (ROE) | 14.2998% | 797 |
| Retained earnings to average equity (ytd only) | 14.2998% | 155 |
| Net charge-offs to loans | -0.0119% | 5,149 |
| Credit loss provision to net charge-offs | 2,169.2308% | 155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1839% | 5,575 |
| Assets per employee ($millions) | 4.1541% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 724 |
| Loan loss allowance to noncurrent loans | 2,342.4390% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 3,161 |
| Noncurrent loans to loans | 0.0879% | 5,146 |
| Net loans and leases to total assets | 79.6550% | 885 |
| Net loans and leases to deposits | 97.2597% | 886 |
| Net loans and leases to core deposits | 108.1383% | 960 |
| Total domestic deposits to total assets | 81.8993% | 4,190 |
| Equity capital to assets | 16.5199% | 463 |
| Core capital (leverage) ratio | 15.9041% | 477 |
| Tier 1 risk-based capital ratio | 19.3271% | 1,626 |
| Total risk-based capital ratio | 20.5857% | 1,585 |
| Memoranda: | ||
| Average total assets | $293,042,600 | 2,191 |
| Average earning assets | $277,835,400 | 2,153 |
| Average equity | $44,210,400 | 1,665 |
| Average total loans | $218,443,800 | 1,937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 1,999 |
| Cost of funding earning assets | 0.3546% | 3,698 |
| Net interest margin | 4.0195% | 1,640 |
| Noninterest income to average assets | 3.1508% | 199 |
| Noninterest expense to average assets | 3.5653% | 1,169 |
| Loan and lease loss provision to assets | -0.2552% | 6,135 |
| Net operating income to assets | 2.2648% | 230 |
| Return on assets (ROA) | 2.2648% | 239 |
| Pretax return on assets | 3.6463% | 85 |
| Return on Equity (ROE) | 15.3671% | 682 |
| Retained earnings to average equity (ytd only) | 15.3671% | 153 |
| Net charge-offs to loans | -0.0137% | 5,081 |
| Credit loss provision to net charge-offs | 2,563.6364% | 141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2522% | 5,700 |
| Assets per employee ($millions) | 4.4698% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 717 |
| Loan loss allowance to noncurrent loans | 19,991.6667% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 3,099 |
| Noncurrent loans to loans | 0.0108% | 5,600 |
| Net loans and leases to total assets | 68.8076% | 2,562 |
| Net loans and leases to deposits | 82.0550% | 2,640 |
| Net loans and leases to core deposits | 89.5554% | 2,507 |
| Total domestic deposits to total assets | 83.8555% | 3,485 |
| Equity capital to assets | 14.5122% | 853 |
| Core capital (leverage) ratio | 15.1509% | 612 |
| Tier 1 risk-based capital ratio | 19.6498% | 1,636 |
| Total risk-based capital ratio | 20.9095% | 1,600 |
| Memoranda: | ||
| Average total assets | $294,644,250 | 2,198 |
| Average earning assets | $278,965,000 | 2,157 |
| Average equity | $43,425,000 | 1,705 |
| Average total loans | $214,774,250 | 1,967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 1,799 |
| Cost of funding earning assets | 0.3565% | 3,739 |
| Net interest margin | 4.0604% | 1,471 |
| Noninterest income to average assets | 3.4242% | 187 |
| Noninterest expense to average assets | 3.5628% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2705% | 230 |
| Return on assets (ROA) | 2.2705% | 243 |
| Pretax return on assets | 3.6938% | 90 |
| Return on Equity (ROE) | 15.3191% | 691 |
| Retained earnings to average equity (ytd only) | 15.3191% | 173 |
| Net charge-offs to loans | -0.0113% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0975% | 5,899 |
| Assets per employee ($millions) | 3.9027% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 537 |
| Loan loss allowance to noncurrent loans | 4,181.2500% | 153 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 2,350 |
| Noncurrent loans to loans | 0.0578% | 5,504 |
| Net loans and leases to total assets | 79.0385% | 937 |
| Net loans and leases to deposits | 99.0754% | 715 |
| Net loans and leases to core deposits | 107.5319% | 990 |
| Total domestic deposits to total assets | 79.7761% | 4,912 |
| Equity capital to assets | 16.1563% | 510 |
| Core capital (leverage) ratio | 15.7428% | 508 |
| Tier 1 risk-based capital ratio | 19.0276% | 1,784 |
| Total risk-based capital ratio | 20.2905% | 1,755 |
| Memoranda: | ||
| Average total assets | $287,074,670 | 2,255 |
| Average earning assets | $270,957,000 | 2,226 |
| Average equity | $42,548,330 | 1,737 |
| Average total loans | $211,978,670 | 1,996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,185 |
| Cost of funding earning assets | 0.3510% | 3,849 |
| Net interest margin | 3.9230% | 1,812 |
| Noninterest income to average assets | 2.9155% | 226 |
| Noninterest expense to average assets | 3.5576% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8924% | 409 |
| Return on assets (ROA) | 1.8924% | 433 |
| Pretax return on assets | 3.0529% | 129 |
| Return on Equity (ROE) | 13.3257% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.3257% | 412 |
| Net charge-offs to loans | -0.0039% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8177% | 5,692 |
| Assets per employee ($millions) | 3.9895% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5148% | 520 |
| Loan loss allowance to noncurrent loans | 3,986.5672% | 167 |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 2,041 |
| Noncurrent loans to loans | 0.0631% | 5,523 |
| Net loans and leases to total assets | 76.3350% | 1,166 |
| Net loans and leases to deposits | 92.1188% | 1,168 |
| Net loans and leases to core deposits | 100.2488% | 1,305 |
| Total domestic deposits to total assets | 82.8659% | 4,210 |
| Equity capital to assets | 15.6928% | 593 |
| Core capital (leverage) ratio | 15.1962% | 580 |
| Tier 1 risk-based capital ratio | 18.4419% | 2,020 |
| Total risk-based capital ratio | 19.7049% | 1,963 |
| Memoranda: | ||
| Average total assets | $294,018,500 | 2,227 |
| Average earning assets | $276,931,500 | 2,198 |
| Average equity | $41,754,000 | 1,772 |
| Average total loans | $207,330,500 | 2,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,037 |
| Cost of funding earning assets | 0.4052% | 3,640 |
| Net interest margin | 3.7674% | 2,747 |
| Noninterest income to average assets | 2.9389% | 196 |
| Noninterest expense to average assets | 3.5163% | 1,451 |
| Loan and lease loss provision to assets | 0.2263% | 1,079 |
| Net operating income to assets | 1.7160% | 564 |
| Return on assets (ROA) | 1.7160% | 581 |
| Pretax return on assets | 2.7673% | 144 |
| Return on Equity (ROE) | 12.8452% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.8452% | 233 |
| Net charge-offs to loans | 0.3890% | 1,099 |
| Credit loss provision to net charge-offs | 86.2069% | 2,734 |
| Earnings coverage of net charge-offs (x) | 11.4019% | 2,494 |
| Efficiency ratio | 54.0144% | 5,841 |
| Assets per employee ($millions) | 4.5906% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6405% | 461 |
| Loan loss allowance to noncurrent loans | 3,869.5652% | 198 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 2,518 |
| Noncurrent loans to loans | 0.0682% | 5,607 |
| Net loans and leases to total assets | 62.1602% | 3,477 |
| Net loans and leases to deposits | 72.1531% | 3,664 |
| Net loans and leases to core deposits | 76.1100% | 3,700 |
| Total domestic deposits to total assets | 86.1505% | 2,752 |
| Equity capital to assets | 12.9236% | 1,404 |
| Core capital (leverage) ratio | 12.4067% | 1,397 |
| Tier 1 risk-based capital ratio | 19.1671% | 1,799 |
| Total risk-based capital ratio | 20.4325% | 1,762 |
| Memoranda: | ||
| Average total assets | $287,177,400 | 2,231 |
| Average earning assets | $272,206,400 | 2,180 |
| Average equity | $38,364,600 | 1,839 |
| Average total loans | $193,840,600 | 2,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,902 |
| Cost of funding earning assets | 0.4251% | 3,521 |
| Net interest margin | 3.8020% | 2,614 |
| Noninterest income to average assets | 3.0561% | 186 |
| Noninterest expense to average assets | 3.5374% | 1,397 |
| Loan and lease loss provision to assets | 0.3098% | 619 |
| Net operating income to assets | 1.7666% | 541 |
| Return on assets (ROA) | 1.7666% | 559 |
| Pretax return on assets | 2.8016% | 139 |
| Return on Equity (ROE) | 13.1026% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.1026% | 324 |
| Net charge-offs to loans | 0.5146% | 745 |
| Credit loss provision to net charge-offs | 87.8378% | 2,470 |
| Earnings coverage of net charge-offs (x) | 8.8230% | 2,742 |
| Efficiency ratio | 53.2038% | 5,902 |
| Assets per employee ($millions) | 4.5229% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7528% | 463 |
| Loan loss allowance to noncurrent loans | 2,278.2979% | 270 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 2,429 |
| Noncurrent loans to loans | 0.1208% | 5,564 |
| Net loans and leases to total assets | 64.3360% | 3,136 |
| Net loans and leases to deposits | 75.3764% | 3,262 |
| Net loans and leases to core deposits | 80.2990% | 3,285 |
| Total domestic deposits to total assets | 85.3530% | 3,186 |
| Equity capital to assets | 13.4613% | 1,201 |
| Core capital (leverage) ratio | 14.4558% | 739 |
| Tier 1 risk-based capital ratio | 19.3402% | 1,813 |
| Total risk-based capital ratio | 20.6071% | 1,788 |
| Memoranda: | ||
| Average total assets | $279,783,250 | 2,297 |
| Average earning assets | $264,380,000 | 2,256 |
| Average equity | $37,721,750 | 1,874 |
| Average total loans | $191,742,000 | 2,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,975 |
| Cost of funding earning assets | 0.4460% | 3,372 |
| Net interest margin | 3.7481% | 2,766 |
| Noninterest income to average assets | 3.2424% | 177 |
| Noninterest expense to average assets | 3.7157% | 1,116 |
| Loan and lease loss provision to assets | 0.4726% | 323 |
| Net operating income to assets | 1.6041% | 699 |
| Return on assets (ROA) | 1.6041% | 728 |
| Pretax return on assets | 2.5857% | 183 |
| Return on Equity (ROE) | 11.8909% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.8909% | 434 |
| Net charge-offs to loans | 1.0890% | 308 |
| Credit loss provision to net charge-offs | 62.5602% | 2,600 |
| Earnings coverage of net charge-offs (x) | 4.0481% | 3,182 |
| Efficiency ratio | 54.8519% | 5,841 |
| Assets per employee ($millions) | 4.3712% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6708% | 553 |
| Loan loss allowance to noncurrent loans | 296.8291% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1796% | 1,407 |
| Noncurrent loans to loans | 0.8998% | 3,456 |
| Net loans and leases to total assets | 67.9729% | 2,417 |
| Net loans and leases to deposits | 81.8731% | 2,266 |
| Net loans and leases to core deposits | 88.0224% | 2,316 |
| Total domestic deposits to total assets | 83.0223% | 4,301 |
| Equity capital to assets | 15.5608% | 608 |
| Core capital (leverage) ratio | 15.8210% | 502 |
| Tier 1 risk-based capital ratio | 20.9735% | 1,453 |
| Total risk-based capital ratio | 22.2389% | 1,424 |
| Memoranda: | ||
| Average total assets | $275,047,330 | 2,332 |
| Average earning assets | $259,170,330 | 2,290 |
| Average equity | $37,104,000 | 1,893 |
| Average total loans | $190,824,000 | 2,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,173 |
| Cost of funding earning assets | 0.4500% | 3,430 |
| Net interest margin | 3.6782% | 2,953 |
| Noninterest income to average assets | 3.3133% | 168 |
| Noninterest expense to average assets | 3.7522% | 1,053 |
| Loan and lease loss provision to assets | 0.4620% | 338 |
| Net operating income to assets | 1.6011% | 669 |
| Return on assets (ROA) | 1.6011% | 698 |
| Pretax return on assets | 2.5684% | 204 |
| Return on Equity (ROE) | 12.8319% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.8319% | 505 |
| Net charge-offs to loans | 1.1420% | 296 |
| Credit loss provision to net charge-offs | 58.5009% | 2,122 |
| Earnings coverage of net charge-offs (x) | 3.8373% | 2,617 |
| Efficiency ratio | 55.3214% | 5,898 |
| Assets per employee ($millions) | 4.4652% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7565% | 580 |
| Loan loss allowance to noncurrent loans | 98.2113% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.4112% | 775 |
| Noncurrent loans to loans | 2.8067% | 1,184 |
| Net loans and leases to total assets | 65.4113% | 2,650 |
| Net loans and leases to deposits | 75.7865% | 2,833 |
| Net loans and leases to core deposits | 81.3824% | 2,809 |
| Total domestic deposits to total assets | 86.3101% | 3,205 |
| Equity capital to assets | 12.5154% | 1,566 |
| Core capital (leverage) ratio | 13.3063% | 1,034 |
| Tier 1 risk-based capital ratio | 17.4386% | 2,492 |
| Total risk-based capital ratio | 18.7047% | 2,460 |
| Memoranda: | ||
| Average total assets | $277,064,000 | 2,321 |
| Average earning assets | $261,321,500 | 2,275 |
| Average equity | $34,570,000 | 2,007 |
| Average total loans | $191,600,500 | 2,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,986 |
| Cost of funding earning assets | 0.5246% | 3,354 |
| Net interest margin | 3.5040% | 3,890 |
| Noninterest income to average assets | 2.2346% | 337 |
| Noninterest expense to average assets | 3.2667% | 2,230 |
| Loan and lease loss provision to assets | 0.7583% | 288 |
| Net operating income to assets | 0.9011% | 2,772 |
| Return on assets (ROA) | 0.9011% | 2,857 |
| Pretax return on assets | 1.4685% | 1,555 |
| Return on Equity (ROE) | 7.6921% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.6921% | 1,156 |
| Net charge-offs to loans | 1.7758% | 234 |
| Credit loss provision to net charge-offs | 63.5712% | 3,463 |
| Earnings coverage of net charge-offs (x) | 1.8668% | 4,427 |
| Efficiency ratio | 59.4658% | 5,545 |
| Assets per employee ($millions) | 4.7863% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8065% | 593 |
| Loan loss allowance to noncurrent loans | 103.6360% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 3.1186% | 998 |
| Noncurrent loans to loans | 2.7081% | 1,347 |
| Net loans and leases to total assets | 69.1055% | 2,159 |
| Net loans and leases to deposits | 80.0976% | 2,446 |
| Net loans and leases to core deposits | 86.2224% | 2,420 |
| Total domestic deposits to total assets | 86.2766% | 3,123 |
| Equity capital to assets | 12.4379% | 1,542 |
| Core capital (leverage) ratio | 12.0867% | 1,540 |
| Tier 1 risk-based capital ratio | 16.5601% | 2,821 |
| Total risk-based capital ratio | 17.8272% | 2,782 |
| Memoranda: | ||
| Average total assets | $280,772,000 | 2,269 |
| Average earning assets | $261,128,400 | 2,244 |
| Average equity | $32,891,000 | 2,090 |
| Average total loans | $188,594,400 | 2,115 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 4,155 |
| Cost of funding earning assets | 0.5289% | 3,473 |
| Net interest margin | 3.4647% | 4,036 |
| Noninterest income to average assets | 2.1007% | 388 |
| Noninterest expense to average assets | 3.1196% | 2,595 |
| Loan and lease loss provision to assets | 0.8624% | 207 |
| Net operating income to assets | 0.8129% | 3,279 |
| Return on assets (ROA) | 0.8129% | 3,410 |
| Pretax return on assets | 1.3278% | 2,220 |
| Return on Equity (ROE) | 7.0444% | 3,623 |
| Retained earnings to average equity (ytd only) | 7.0444% | 1,849 |
| Net charge-offs to loans | 1.7901% | 234 |
| Credit loss provision to net charge-offs | 72.7526% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.8477% | 4,216 |
| Efficiency ratio | 58.7514% | 5,595 |
| Assets per employee ($millions) | 4.9950% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2398% | 435 |
| Loan loss allowance to noncurrent loans | 77.5788% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 5.2259% | 519 |
| Noncurrent loans to loans | 4.1761% | 831 |
| Net loans and leases to total assets | 62.7184% | 3,217 |
| Net loans and leases to deposits | 71.9222% | 3,523 |
| Net loans and leases to core deposits | 77.0020% | 3,496 |
| Total domestic deposits to total assets | 87.2031% | 2,571 |
| Equity capital to assets | 11.6793% | 2,145 |
| Core capital (leverage) ratio | 12.1740% | 1,571 |
| Tier 1 risk-based capital ratio | 16.6956% | 2,862 |
| Total risk-based capital ratio | 17.9670% | 2,804 |
| Memoranda: | ||
| Average total assets | $282,760,250 | 2,265 |
| Average earning assets | $261,913,500 | 2,244 |
| Average equity | $32,630,500 | 2,118 |
| Average total loans | $187,248,750 | 2,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 4,280 |
| Cost of funding earning assets | 0.5335% | 3,569 |
| Net interest margin | 3.4214% | 4,107 |
| Noninterest income to average assets | 2.4218% | 336 |
| Noninterest expense to average assets | 3.1024% | 2,654 |
| Loan and lease loss provision to assets | 1.1549% | 142 |
| Net operating income to assets | 0.7522% | 3,557 |
| Return on assets (ROA) | 0.7522% | 3,710 |
| Pretax return on assets | 1.3293% | 2,195 |
| Return on Equity (ROE) | 6.5447% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.5447% | 2,122 |
| Net charge-offs to loans | 2.1260% | 202 |
| Credit loss provision to net charge-offs | 81.4500% | 2,600 |
| Earnings coverage of net charge-offs (x) | 1.7520% | 3,949 |
| Efficiency ratio | 55.5330% | 6,013 |
| Assets per employee ($millions) | 5.4321% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4795% | 378 |
| Loan loss allowance to noncurrent loans | 49.6686% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 7.9305% | 260 |
| Noncurrent loans to loans | 7.0054% | 344 |
| Net loans and leases to total assets | 56.3888% | 4,223 |
| Net loans and leases to deposits | 63.5910% | 4,552 |
| Net loans and leases to core deposits | 66.8586% | 4,606 |
| Total domestic deposits to total assets | 88.6742% | 1,792 |
| Equity capital to assets | 10.5597% | 3,227 |
| Core capital (leverage) ratio | 12.2219% | 1,496 |
| Tier 1 risk-based capital ratio | 16.3889% | 2,991 |
| Total risk-based capital ratio | 17.6609% | 2,937 |
| Memoranda: | ||
| Average total assets | $282,108,000 | 2,276 |
| Average earning assets | $260,942,330 | 2,259 |
| Average equity | $32,423,000 | 2,132 |
| Average total loans | $188,148,670 | 2,121 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,167 |
| Cost of funding earning assets | 0.5710% | 3,371 |
| Net interest margin | 3.6629% | 3,017 |
| Noninterest income to average assets | 2.8187% | 273 |
| Noninterest expense to average assets | 3.3166% | 2,045 |
| Loan and lease loss provision to assets | 1.6471% | 81 |
| Net operating income to assets | 0.7542% | 3,412 |
| Return on assets (ROA) | 0.7542% | 3,551 |
| Pretax return on assets | 1.2402% | 2,432 |
| Return on Equity (ROE) | 6.2689% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,529 |
| Net charge-offs to loans | 2.0127% | 233 |
| Credit loss provision to net charge-offs | 114.5078% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.0073% | 3,161 |
| Efficiency ratio | 53.4599% | 6,263 |
| Assets per employee ($millions) | 4.6056% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6678% | 369 |
| Loan loss allowance to noncurrent loans | 47.2270% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 9.0886% | 241 |
| Noncurrent loans to loans | 7.7664% | 351 |
| Net loans and leases to total assets | 66.8974% | 2,213 |
| Net loans and leases to deposits | 77.1214% | 2,471 |
| Net loans and leases to core deposits | 82.1939% | 2,546 |
| Total domestic deposits to total assets | 86.7430% | 3,109 |
| Equity capital to assets | 12.1792% | 1,922 |
| Core capital (leverage) ratio | 12.0767% | 1,525 |
| Tier 1 risk-based capital ratio | 15.5627% | 3,494 |
| Total risk-based capital ratio | 16.8384% | 3,442 |
| Memoranda: | ||
| Average total assets | $268,347,500 | 2,409 |
| Average earning assets | $247,999,000 | 2,394 |
| Average equity | $32,286,500 | 2,164 |
| Average total loans | $191,778,000 | 2,089 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 3,225 |
| Cost of funding earning assets | 0.8273% | 2,441 |
| Net interest margin | 3.7177% | 3,571 |
| Noninterest income to average assets | 2.0526% | 419 |
| Noninterest expense to average assets | 3.6898% | 1,432 |
| Loan and lease loss provision to assets | 1.0507% | 368 |
| Net operating income to assets | 0.4221% | 5,000 |
| Return on assets (ROA) | 0.4221% | 5,261 |
| Pretax return on assets | 0.7040% | 4,655 |
| Return on Equity (ROE) | 3.5419% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.5419% | 3,723 |
| Net charge-offs to loans | 1.2626% | 779 |
| Credit loss provision to net charge-offs | 113.4615% | 2,563 |
| Earnings coverage of net charge-offs (x) | 1.8948% | 4,475 |
| Efficiency ratio | 67.7709% | 4,191 |
| Assets per employee ($millions) | 4.8137% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3643% | 484 |
| Loan loss allowance to noncurrent loans | 57.8637% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 6.7456% | 469 |
| Noncurrent loans to loans | 5.8142% | 621 |
| Net loans and leases to total assets | 70.9980% | 1,647 |
| Net loans and leases to deposits | 81.4112% | 2,089 |
| Net loans and leases to core deposits | 86.8315% | 2,205 |
| Total domestic deposits to total assets | 87.2092% | 2,698 |
| Equity capital to assets | 11.8853% | 2,123 |
| Core capital (leverage) ratio | 11.6806% | 1,746 |
| Tier 1 risk-based capital ratio | 14.7703% | 3,855 |
| Total risk-based capital ratio | 16.0230% | 3,803 |
| Memoranda: | ||
| Average total assets | $263,914,000 | 2,399 |
| Average earning assets | $240,797,000 | 2,403 |
| Average equity | $31,452,400 | 2,173 |
| Average total loans | $193,575,600 | 2,062 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,080 |
| Cost of funding earning assets | 0.8692% | 2,395 |
| Net interest margin | 3.7658% | 3,485 |
| Noninterest income to average assets | 2.0317% | 413 |
| Noninterest expense to average assets | 3.6794% | 1,399 |
| Loan and lease loss provision to assets | 1.0412% | 378 |
| Net operating income to assets | 0.4414% | 5,071 |
| Return on assets (ROA) | 0.4414% | 5,311 |
| Pretax return on assets | 0.7309% | 4,742 |
| Return on Equity (ROE) | 3.7010% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.7010% | 4,283 |
| Net charge-offs to loans | 1.3350% | 692 |
| Credit loss provision to net charge-offs | 106.3830% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.8106% | 4,358 |
| Efficiency ratio | 67.4928% | 4,178 |
| Assets per employee ($millions) | 4.6306% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2662% | 566 |
| Loan loss allowance to noncurrent loans | 53.8308% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 7.3353% | 468 |
| Noncurrent loans to loans | 6.0676% | 669 |
| Net loans and leases to total assets | 71.2023% | 1,695 |
| Net loans and leases to deposits | 81.5190% | 2,182 |
| Net loans and leases to core deposits | 86.9921% | 2,346 |
| Total domestic deposits to total assets | 87.3444% | 2,468 |
| Equity capital to assets | 11.8424% | 2,401 |
| Core capital (leverage) ratio | 11.7584% | 1,803 |
| Tier 1 risk-based capital ratio | 14.9275% | 3,899 |
| Total risk-based capital ratio | 16.1805% | 3,854 |
| Memoranda: | ||
| Average total assets | $262,500,500 | 2,433 |
| Average earning assets | $238,384,500 | 2,454 |
| Average equity | $31,305,750 | 2,199 |
| Average total loans | $192,456,750 | 2,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 2,687 |
| Cost of funding earning assets | 0.8971% | 2,427 |
| Net interest margin | 3.8618% | 3,080 |
| Noninterest income to average assets | 1.8612% | 443 |
| Noninterest expense to average assets | 3.5343% | 1,714 |
| Loan and lease loss provision to assets | 0.8830% | 534 |
| Net operating income to assets | 0.5644% | 4,516 |
| Return on assets (ROA) | 0.5644% | 4,802 |
| Pretax return on assets | 0.9245% | 3,986 |
| Return on Equity (ROE) | 4.7208% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.7208% | 3,465 |
| Net charge-offs to loans | 1.8038% | 491 |
| Credit loss provision to net charge-offs | 66.8605% | 3,640 |
| Earnings coverage of net charge-offs (x) | 1.3686% | 4,324 |
| Efficiency ratio | 66.1636% | 4,505 |
| Assets per employee ($millions) | 4.6605% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0339% | 753 |
| Loan loss allowance to noncurrent loans | 62.2436% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 9.6200% | 289 |
| Noncurrent loans to loans | 4.8743% | 1,034 |
| Net loans and leases to total assets | 71.8812% | 1,579 |
| Net loans and leases to deposits | 82.7795% | 2,012 |
| Net loans and leases to core deposits | 89.2176% | 2,071 |
| Total domestic deposits to total assets | 86.8345% | 2,875 |
| Equity capital to assets | 12.3333% | 1,918 |
| Core capital (leverage) ratio | 11.9731% | 1,615 |
| Tier 1 risk-based capital ratio | 14.7742% | 3,915 |
| Total risk-based capital ratio | 16.0427% | 3,863 |
| Memoranda: | ||
| Average total assets | $260,475,000 | 2,457 |
| Average earning assets | $234,762,330 | 2,477 |
| Average equity | $31,139,000 | 2,195 |
| Average total loans | $190,712,330 | 2,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 2,945 |
| Cost of funding earning assets | 0.9074% | 2,631 |
| Net interest margin | 3.8194% | 3,294 |
| Noninterest income to average assets | 0.8273% | 2,042 |
| Noninterest expense to average assets | 3.5971% | 1,566 |
| Loan and lease loss provision to assets | 0.6094% | 935 |
| Net operating income to assets | 0.0609% | 6,316 |
| Return on assets (ROA) | 0.0609% | 6,431 |
| Pretax return on assets | 0.0838% | 6,408 |
| Return on Equity (ROE) | 0.5178% | 6,436 |
| Retained earnings to average equity (ytd only) | 0.5178% | 5,834 |
| Net charge-offs to loans | 3.1362% | 225 |
| Credit loss provision to net charge-offs | 26.7023% | 3,678 |
| Earnings coverage of net charge-offs (x) | 0.3037% | 4,211 |
| Efficiency ratio | 83.8423% | 1,706 |
| Assets per employee ($millions) | 4.7541% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 1,120 |
| Loan loss allowance to noncurrent loans | 37.9053% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 9.2017% | 373 |
| Noncurrent loans to loans | 7.1093% | 615 |
| Net loans and leases to total assets | 69.7829% | 1,790 |
| Net loans and leases to deposits | 79.3740% | 2,289 |
| Net loans and leases to core deposits | 86.0617% | 2,283 |
| Total domestic deposits to total assets | 87.9165% | 2,376 |
| Equity capital to assets | 11.4155% | 2,510 |
| Core capital (leverage) ratio | 11.6437% | 1,806 |
| Tier 1 risk-based capital ratio | 14.7473% | 3,927 |
| Total risk-based capital ratio | 15.9473% | 3,917 |
| Memoranda: | ||
| Average total assets | $262,547,500 | 2,452 |
| Average earning assets | $238,048,000 | 2,466 |
| Average equity | $30,901,500 | 2,211 |
| Average total loans | $191,059,500 | 2,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 3,140 |
| Cost of funding earning assets | 1.1295% | 2,475 |
| Net interest margin | 3.8137% | 3,754 |
| Noninterest income to average assets | 2.5829% | 254 |
| Noninterest expense to average assets | 4.2298% | 787 |
| Loan and lease loss provision to assets | 1.7237% | 390 |
| Net operating income to assets | 0.0611% | 5,941 |
| Return on assets (ROA) | 0.0611% | 6,057 |
| Pretax return on assets | 0.0895% | 5,986 |
| Return on Equity (ROE) | 0.5316% | 6,054 |
| Retained earnings to average equity (ytd only) | -0.0359% | 5,847 |
| Net charge-offs to loans | 1.6976% | 898 |
| Credit loss provision to net charge-offs | 137.5785% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.4472% | 4,685 |
| Efficiency ratio | 69.9950% | 3,963 |
| Assets per employee ($millions) | 4.4581% | 2,981 |
| Cash dividends to net income (ytd only)* | 106.7485% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3730% | 582 |
| Loan loss allowance to noncurrent loans | 53.1109% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 9.2227% | 388 |
| Noncurrent loans to loans | 6.3509% | 759 |
| Net loans and leases to total assets | 71.4048% | 1,749 |
| Net loans and leases to deposits | 81.9875% | 2,204 |
| Net loans and leases to core deposits | 89.6882% | 2,167 |
| Total domestic deposits to total assets | 87.0924% | 2,707 |
| Equity capital to assets | 12.1477% | 2,014 |
| Core capital (leverage) ratio | 11.7205% | 1,753 |
| Tier 1 risk-based capital ratio | 15.4771% | 3,340 |
| Total risk-based capital ratio | 16.7507% | 3,279 |
| Memoranda: | ||
| Average total assets | $266,986,600 | 2,361 |
| Average earning assets | $242,232,400 | 2,382 |
| Average equity | $30,661,200 | 2,145 |
| Average total loans | $197,044,800 | 2,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 3,563 |
| Cost of funding earning assets | 1.1594% | 2,573 |
| Net interest margin | 3.7393% | 4,162 |
| Noninterest income to average assets | 2.7031% | 248 |
| Noninterest expense to average assets | 4.4469% | 603 |
| Loan and lease loss provision to assets | 1.5839% | 416 |
| Net operating income to assets | 0.0434% | 6,085 |
| Return on assets (ROA) | 0.0434% | 6,183 |
| Pretax return on assets | 0.0637% | 6,144 |
| Return on Equity (ROE) | 0.3833% | 6,184 |
| Retained earnings to average equity (ytd only) | -0.3746% | 6,045 |
| Net charge-offs to loans | 1.5315% | 944 |
| Credit loss provision to net charge-offs | 140.1747% | 2,272 |
| Earnings coverage of net charge-offs (x) | 1.4581% | 4,541 |
| Efficiency ratio | 72.9658% | 3,367 |
| Assets per employee ($millions) | 4.4939% | 2,931 |
| Cash dividends to net income (ytd only)* | 197.7244% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1663% | 752 |
| Loan loss allowance to noncurrent loans | 48.8353% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 9.2266% | 417 |
| Noncurrent loans to loans | 6.4836% | 816 |
| Net loans and leases to total assets | 70.3535% | 2,004 |
| Net loans and leases to deposits | 80.5340% | 2,587 |
| Net loans and leases to core deposits | 88.6872% | 2,409 |
| Total domestic deposits to total assets | 87.3588% | 2,436 |
| Equity capital to assets | 11.7741% | 2,434 |
| Core capital (leverage) ratio | 11.9221% | 1,751 |
| Tier 1 risk-based capital ratio | 15.3866% | 3,441 |
| Total risk-based capital ratio | 16.6515% | 3,410 |
| Memoranda: | ||
| Average total assets | $270,205,000 | 2,354 |
| Average earning assets | $245,066,250 | 2,351 |
| Average equity | $30,609,250 | 2,161 |
| Average total loans | $199,360,250 | 2,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 3,544 |
| Cost of funding earning assets | 1.1962% | 2,603 |
| Net interest margin | 3.7210% | 4,172 |
| Noninterest income to average assets | 2.9043% | 229 |
| Noninterest expense to average assets | 4.7778% | 447 |
| Loan and lease loss provision to assets | 1.0973% | 749 |
| Net operating income to assets | 0.2480% | 5,569 |
| Return on assets (ROA) | 0.2480% | 5,692 |
| Pretax return on assets | 0.4016% | 5,385 |
| Return on Equity (ROE) | 2.2169% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.0790% | 5,432 |
| Net charge-offs to loans | 1.3370% | 1,144 |
| Credit loss provision to net charge-offs | 110.7011% | 2,769 |
| Earnings coverage of net charge-offs (x) | 1.5122% | 4,158 |
| Efficiency ratio | 76.1189% | 2,993 |
| Assets per employee ($millions) | 4.7360% | 2,496 |
| Cash dividends to net income (ytd only)* | 51.3274% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 1,225 |
| Loan loss allowance to noncurrent loans | 45.7228% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 8.1009% | 562 |
| Noncurrent loans to loans | 5.8200% | 1,047 |
| Net loans and leases to total assets | 72.0219% | 1,780 |
| Net loans and leases to deposits | 81.9751% | 2,462 |
| Net loans and leases to core deposits | 90.8388% | 2,274 |
| Total domestic deposits to total assets | 87.8583% | 2,238 |
| Equity capital to assets | 11.6252% | 2,388 |
| Core capital (leverage) ratio | 11.7667% | 1,736 |
| Tier 1 risk-based capital ratio | 14.9719% | 3,505 |
| Total risk-based capital ratio | 16.2340% | 3,475 |
| Memoranda: | ||
| Average total assets | $273,390,670 | 2,339 |
| Average earning assets | $247,786,000 | 2,349 |
| Average equity | $30,582,670 | 2,152 |
| Average total loans | $202,690,000 | 2,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 3,205 |
| Cost of funding earning assets | 1.2429% | 2,552 |
| Net interest margin | 3.7350% | 3,921 |
| Noninterest income to average assets | 2.5818% | 257 |
| Noninterest expense to average assets | 4.6966% | 485 |
| Loan and lease loss provision to assets | 1.1532% | 617 |
| Net operating income to assets | 0.1240% | 6,029 |
| Return on assets (ROA) | 0.1240% | 6,088 |
| Pretax return on assets | 0.1240% | 6,122 |
| Return on Equity (ROE) | 1.1294% | 6,093 |
| Retained earnings to average equity (ytd only) | -0.0131% | 5,798 |
| Net charge-offs to loans | 0.1573% | 3,540 |
| Credit loss provision to net charge-offs | 987.6543% | 394 |
| Earnings coverage of net charge-offs (x) | 10.9383% | 1,596 |
| Efficiency ratio | 78.6197% | 2,745 |
| Assets per employee ($millions) | 4.8153% | 2,405 |
| Cash dividends to net income (ytd only)* | 101.1628% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8259% | 1,085 |
| Loan loss allowance to noncurrent loans | 51.9265% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 9.3715% | 454 |
| Noncurrent loans to loans | 5.4422% | 1,206 |
| Net loans and leases to total assets | 73.8980% | 1,366 |
| Net loans and leases to deposits | 83.7674% | 2,069 |
| Net loans and leases to core deposits | 96.0963% | 1,669 |
| Total domestic deposits to total assets | 88.2180% | 2,251 |
| Equity capital to assets | 11.3092% | 2,407 |
| Core capital (leverage) ratio | 11.8449% | 1,652 |
| Tier 1 risk-based capital ratio | 14.0315% | 4,054 |
| Total risk-based capital ratio | 15.2375% | 4,062 |
| Memoranda: | ||
| Average total assets | $277,477,000 | 2,326 |
| Average earning assets | $251,996,500 | 2,330 |
| Average equity | $30,458,000 | 2,151 |
| Average total loans | $205,916,500 | 2,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 3,996 |
| Cost of funding earning assets | 1.5872% | 2,148 |
| Net interest margin | 3.5345% | 5,096 |
| Noninterest income to average assets | 1.3748% | 771 |
| Noninterest expense to average assets | 3.5498% | 2,053 |
| Loan and lease loss provision to assets | 1.0321% | 1,568 |
| Net operating income to assets | 0.0447% | 5,714 |
| Return on assets (ROA) | 0.0447% | 5,855 |
| Pretax return on assets | 0.0643% | 5,772 |
| Return on Equity (ROE) | 0.4227% | 5,845 |
| Retained earnings to average equity (ytd only) | -0.7088% | 5,747 |
| Net charge-offs to loans | 0.7989% | 2,640 |
| Credit loss provision to net charge-offs | 176.5745% | 1,889 |
| Earnings coverage of net charge-offs (x) | 1.8758% | 4,316 |
| Efficiency ratio | 76.4013% | 2,987 |
| Assets per employee ($millions) | 5.0946% | 2,020 |
| Cash dividends to net income (ytd only)* | 267.6923% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 1,469 |
| Loan loss allowance to noncurrent loans | 100.2567% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 6.9552% | 790 |
| Noncurrent loans to loans | 2.4491% | 3,075 |
| Net loans and leases to total assets | 70.6947% | 2,373 |
| Net loans and leases to deposits | 79.8165% | 3,209 |
| Net loans and leases to core deposits | 95.2100% | 2,099 |
| Total domestic deposits to total assets | 88.5716% | 1,909 |
| Equity capital to assets | 10.6626% | 3,007 |
| Core capital (leverage) ratio | 11.1057% | 2,081 |
| Tier 1 risk-based capital ratio | 14.3686% | 3,634 |
| Total risk-based capital ratio | 15.6324% | 3,580 |
| Memoranda: | ||
| Average total assets | $290,667,400 | 2,207 |
| Average earning assets | $269,032,000 | 2,187 |
| Average equity | $30,754,200 | 2,130 |
| Average total loans | $212,667,400 | 2,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 4,379 |
| Cost of funding earning assets | 1.6399% | 2,162 |
| Net interest margin | 3.4488% | 5,498 |
| Noninterest income to average assets | 1.1817% | 1,001 |
| Noninterest expense to average assets | 3.1770% | 3,007 |
| Loan and lease loss provision to assets | 0.7077% | 2,162 |
| Net operating income to assets | 0.3082% | 5,135 |
| Return on assets (ROA) | 0.3082% | 5,308 |
| Pretax return on assets | 0.5013% | 4,920 |
| Return on Equity (ROE) | 2.9184% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.7900% | 5,071 |
| Net charge-offs to loans | 0.8517% | 2,317 |
| Credit loss provision to net charge-offs | 113.3041% | 3,699 |
| Earnings coverage of net charge-offs (x) | 1.9357% | 4,253 |
| Efficiency ratio | 72.4339% | 3,623 |
| Assets per employee ($millions) | 4.8594% | 2,378 |
| Cash dividends to net income (ytd only)* | 38.6664% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 2,447 |
| Loan loss allowance to noncurrent loans | 61.1876% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 7.0005% | 776 |
| Noncurrent loans to loans | 3.1236% | 2,553 |
| Net loans and leases to total assets | 69.6508% | 2,818 |
| Net loans and leases to deposits | 78.7399% | 3,684 |
| Net loans and leases to core deposits | 97.0439% | 2,141 |
| Total domestic deposits to total assets | 88.4568% | 1,692 |
| Equity capital to assets | 10.6830% | 3,309 |
| Core capital (leverage) ratio | 11.2683% | 2,089 |
| Tier 1 risk-based capital ratio | 14.3267% | 3,612 |
| Total risk-based capital ratio | 15.5839% | 3,573 |
| Memoranda: | ||
| Average total assets | $292,010,000 | 2,232 |
| Average earning assets | $271,313,000 | 2,205 |
| Average equity | $30,837,750 | 2,145 |
| Average total loans | $214,142,500 | 2,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 4,777 |
| Cost of funding earning assets | 1.6966% | 2,136 |
| Net interest margin | 3.3374% | 5,881 |
| Noninterest income to average assets | 0.9885% | 1,410 |
| Noninterest expense to average assets | 2.9970% | 3,722 |
| Loan and lease loss provision to assets | 0.6846% | 2,115 |
| Net operating income to assets | 0.2629% | 5,325 |
| Return on assets (ROA) | 0.2629% | 5,471 |
| Pretax return on assets | 0.4231% | 5,142 |
| Return on Equity (ROE) | 2.4988% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.3666% | 5,197 |
| Net charge-offs to loans | 0.6512% | 2,590 |
| Credit loss provision to net charge-offs | 141.8440% | 2,814 |
| Earnings coverage of net charge-offs (x) | 2.2950% | 3,854 |
| Efficiency ratio | 73.0153% | 3,658 |
| Assets per employee ($millions) | 5.2541% | 1,863 |
| Cash dividends to net income (ytd only)* | 45.3125% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 2,377 |
| Loan loss allowance to noncurrent loans | 39.6725% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 6.8420% | 784 |
| Noncurrent loans to loans | 4.8311% | 1,459 |
| Net loans and leases to total assets | 68.3493% | 3,278 |
| Net loans and leases to deposits | 76.6746% | 4,206 |
| Net loans and leases to core deposits | 92.1578% | 2,961 |
| Total domestic deposits to total assets | 89.1421% | 1,354 |
| Equity capital to assets | 10.1803% | 3,799 |
| Core capital (leverage) ratio | 10.9472% | 2,276 |
| Tier 1 risk-based capital ratio | 13.9818% | 3,744 |
| Total risk-based capital ratio | 15.2389% | 3,701 |
| Memoranda: | ||
| Average total assets | $292,158,000 | 2,254 |
| Average earning assets | $272,784,670 | 2,213 |
| Average equity | $30,734,330 | 2,145 |
| Average total loans | $216,511,670 | 2,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 3,650 |
| Cost of funding earning assets | 1.8112% | 1,832 |
| Net interest margin | 3.4683% | 5,292 |
| Noninterest income to average assets | 0.5527% | 3,633 |
| Noninterest expense to average assets | 3.0364% | 3,542 |
| Loan and lease loss provision to assets | 0.8535% | 1,489 |
| Net operating income to assets | -0.1231% | 6,453 |
| Return on assets (ROA) | -0.1231% | 6,535 |
| Pretax return on assets | -0.0923% | 6,457 |
| Return on Equity (ROE) | -1.1507% | 6,542 |
| Retained earnings to average equity (ytd only) | -2.2883% | 6,255 |
| Net charge-offs to loans | 1.3651% | 1,260 |
| Credit loss provision to net charge-offs | 81.7694% | 3,835 |
| Earnings coverage of net charge-offs (x) | 0.7292% | 4,375 |
| Efficiency ratio | 79.9558% | 2,569 |
| Assets per employee ($millions) | 5.0568% | 2,159 |
| Cash dividends to net income (ytd only)* | -98.8636% | 7,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,213 |
| Loan loss allowance to noncurrent loans | 63.4525% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 4.4801% | 1,507 |
| Noncurrent loans to loans | 2.6160% | 3,050 |
| Net loans and leases to total assets | 73.5046% | 2,080 |
| Net loans and leases to deposits | 82.7027% | 3,161 |
| Net loans and leases to core deposits | 100.8330% | 2,048 |
| Total domestic deposits to total assets | 88.8781% | 1,581 |
| Equity capital to assets | 10.3960% | 3,349 |
| Core capital (leverage) ratio | 10.9062% | 2,292 |
| Tier 1 risk-based capital ratio | 13.6532% | 3,892 |
| Total risk-based capital ratio | 14.9079% | 3,847 |
| Memoranda: | ||
| Average total assets | $285,869,000 | 2,343 |
| Average earning assets | $267,447,500 | 2,300 |
| Average equity | $30,590,000 | 2,179 |
| Average total loans | $218,590,000 | 2,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 4,158 |
| Cost of funding earning assets | 2.6532% | 665 |
| Net interest margin | 2.8441% | 6,986 |
| Noninterest income to average assets | 1.1173% | 1,228 |
| Noninterest expense to average assets | 3.0269% | 4,042 |
| Loan and lease loss provision to assets | 0.8869% | 2,527 |
| Net operating income to assets | -0.0676% | 5,616 |
| Return on assets (ROA) | -0.0676% | 5,637 |
| Pretax return on assets | -0.1240% | 5,622 |
| Return on Equity (ROE) | -0.6342% | 5,642 |
| Retained earnings to average equity (ytd only) | -1.4235% | 5,372 |
| Net charge-offs to loans | 0.7843% | 2,865 |
| Credit loss provision to net charge-offs | 145.5457% | 3,259 |
| Earnings coverage of net charge-offs (x) | 1.2519% | 4,872 |
| Efficiency ratio | 79.8710% | 2,909 |
| Assets per employee ($millions) | 5.0626% | 2,138 |
| Cash dividends to net income (ytd only)* | -124.4681% | 7,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 2,775 |
| Loan loss allowance to noncurrent loans | 88.7010% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 4.3004% | 1,523 |
| Noncurrent loans to loans | 1.9532% | 3,728 |
| Net loans and leases to total assets | 76.9205% | 1,599 |
| Net loans and leases to deposits | 87.3077% | 2,678 |
| Net loans and leases to core deposits | 141.4479% | 756 |
| Total domestic deposits to total assets | 88.1027% | 1,921 |
| Equity capital to assets | 11.0217% | 2,697 |
| Core capital (leverage) ratio | 10.7411% | 2,393 |
| Tier 1 risk-based capital ratio | 14.5816% | 3,159 |
| Total risk-based capital ratio | 15.8384% | 3,108 |
| Memoranda: | ||
| Average total assets | $278,170,200 | 2,361 |
| Average earning assets | $261,382,000 | 2,315 |
| Average equity | $29,645,000 | 2,252 |
| Average total loans | $216,103,400 | 2,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 4,751 |
| Cost of funding earning assets | 2.7537% | 681 |
| Net interest margin | 2.6844% | 7,239 |
| Noninterest income to average assets | 0.8400% | 2,244 |
| Noninterest expense to average assets | 2.6393% | 5,564 |
| Loan and lease loss provision to assets | 0.9076% | 2,115 |
| Net operating income to assets | -0.2181% | 6,095 |
| Return on assets (ROA) | -0.2181% | 6,104 |
| Pretax return on assets | -0.1798% | 5,951 |
| Return on Equity (ROE) | -2.0646% | 6,107 |
| Retained earnings to average equity (ytd only) | -3.0673% | 5,947 |
| Net charge-offs to loans | 0.9658% | 2,044 |
| Credit loss provision to net charge-offs | 121.1908% | 4,187 |
| Earnings coverage of net charge-offs (x) | 0.9718% | 5,086 |
| Efficiency ratio | 78.3853% | 3,104 |
| Assets per employee ($millions) | 5.5485% | 1,566 |
| Cash dividends to net income (ytd only)* | -48.5717% | 7,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,394 |
| Loan loss allowance to noncurrent loans | 54.0944% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 4.4942% | 1,363 |
| Noncurrent loans to loans | 2.7865% | 2,728 |
| Net loans and leases to total assets | 74.1274% | 2,488 |
| Net loans and leases to deposits | 83.4753% | 3,738 |
| Net loans and leases to core deposits | 139.7886% | 927 |
| Total domestic deposits to total assets | 88.8016% | 1,289 |
| Equity capital to assets | 10.3643% | 3,661 |
| Core capital (leverage) ratio | 10.1880% | 3,075 |
| Tier 1 risk-based capital ratio | 14.1191% | 3,481 |
| Total risk-based capital ratio | 15.3712% | 3,424 |
| Memoranda: | ||
| Average total assets | $278,102,250 | 2,378 |
| Average earning assets | $261,802,250 | 2,322 |
| Average equity | $29,384,000 | 2,296 |
| Average total loans | $215,640,500 | 2,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 4,709 |
| Cost of funding earning assets | 2.7714% | 855 |
| Net interest margin | 2.7154% | 7,169 |
| Noninterest income to average assets | 0.5000% | 4,443 |
| Noninterest expense to average assets | 2.5838% | 5,804 |
| Loan and lease loss provision to assets | 0.2317% | 4,732 |
| Net operating income to assets | 0.1899% | 5,301 |
| Return on assets (ROA) | 0.1899% | 5,378 |
| Pretax return on assets | 0.2434% | 5,343 |
| Return on Equity (ROE) | 1.7850% | 5,378 |
| Retained earnings to average equity (ytd only) | 0.8615% | 4,838 |
| Net charge-offs to loans | 0.1928% | 4,339 |
| Credit loss provision to net charge-offs | 153.3981% | 3,000 |
| Earnings coverage of net charge-offs (x) | 3.1456% | 3,549 |
| Efficiency ratio | 84.4679% | 2,423 |
| Assets per employee ($millions) | 5.6013% | 1,498 |
| Cash dividends to net income (ytd only)* | 51.7375% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 3,517 |
| Loan loss allowance to noncurrent loans | 56.9262% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.6259% | 1,704 |
| Noncurrent loans to loans | 2.5315% | 2,856 |
| Net loans and leases to total assets | 73.1431% | 2,921 |
| Net loans and leases to deposits | 82.6769% | 4,108 |
| Net loans and leases to core deposits | 148.7498% | 685 |
| Total domestic deposits to total assets | 88.4686% | 1,541 |
| Equity capital to assets | 10.6998% | 3,209 |
| Core capital (leverage) ratio | 11.0657% | 2,356 |
| Tier 1 risk-based capital ratio | 14.1223% | 3,443 |
| Total risk-based capital ratio | 15.3742% | 3,385 |
| Memoranda: | ||
| Average total assets | $272,780,330 | 2,425 |
| Average earning assets | $257,052,330 | 2,381 |
| Average equity | $29,019,330 | 2,335 |
| Average total loans | $213,747,000 | 2,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 3,802 |
| Cost of funding earning assets | 2.7695% | 1,057 |
| Net interest margin | 2.9314% | 6,664 |
| Noninterest income to average assets | 0.5039% | 4,293 |
| Noninterest expense to average assets | 2.5712% | 5,568 |
| Loan and lease loss provision to assets | 0.3734% | 3,087 |
| Net operating income to assets | 0.1943% | 5,676 |
| Return on assets (ROA) | 0.1943% | 5,849 |
| Pretax return on assets | 0.3066% | 5,667 |
| Return on Equity (ROE) | 1.8321% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.8321% | 4,833 |
| Net charge-offs to loans | 0.0414% | 4,908 |
| Credit loss provision to net charge-offs | 1,118.1818% | 566 |
| Earnings coverage of net charge-offs (x) | 20.3636% | 1,377 |
| Efficiency ratio | 79.0850% | 2,984 |
| Assets per employee ($millions) | 5.4351% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 2,756 |
| Loan loss allowance to noncurrent loans | 66.2903% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.1845% | 1,201 |
| Noncurrent loans to loans | 2.3258% | 2,828 |
| Net loans and leases to total assets | 74.3901% | 2,654 |
| Net loans and leases to deposits | 84.4696% | 3,902 |
| Net loans and leases to core deposits | 150.1529% | 701 |
| Total domestic deposits to total assets | 88.0674% | 1,720 |
| Equity capital to assets | 11.2508% | 2,764 |
| Core capital (leverage) ratio | 11.9782% | 1,910 |
| Tier 1 risk-based capital ratio | 14.5194% | 3,300 |
| Total risk-based capital ratio | 15.7723% | 3,225 |
| Memoranda: | ||
| Average total assets | $263,537,500 | 2,518 |
| Average earning assets | $246,977,000 | 2,477 |
| Average equity | $27,946,500 | 2,422 |
| Average total loans | $212,542,500 | 2,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7547% | 1,848 |
| Cost of funding earning assets | 3.0220% | 1,794 |
| Net interest margin | 3.7327% | 4,312 |
| Noninterest income to average assets | 0.8383% | 2,304 |
| Noninterest expense to average assets | 3.0196% | 4,013 |
| Loan and lease loss provision to assets | 0.7124% | 2,074 |
| Net operating income to assets | 0.3470% | 5,367 |
| Return on assets (ROA) | 0.3470% | 5,181 |
| Pretax return on assets | 0.5613% | 4,810 |
| Return on Equity (ROE) | 3.3425% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.3425% | 3,068 |
| Net charge-offs to loans | 0.3092% | 3,325 |
| Credit loss provision to net charge-offs | 280.9764% | 1,623 |
| Earnings coverage of net charge-offs (x) | 5.0236% | 3,779 |
| Efficiency ratio | 70.3321% | 4,283 |
| Assets per employee ($millions) | 4.9977% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 3,234 |
| Loan loss allowance to noncurrent loans | 48.0102% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 4.7742% | 760 |
| Noncurrent loans to loans | 2.9014% | 1,856 |
| Net loans and leases to total assets | 85.0991% | 722 |
| Net loans and leases to deposits | 99.6355% | 1,880 |
| Net loans and leases to core deposits | 179.8719% | 286 |
| Total domestic deposits to total assets | 85.4105% | 2,661 |
| Equity capital to assets | 9.8873% | 4,175 |
| Core capital (leverage) ratio | 10.3313% | 3,141 |
| Tier 1 risk-based capital ratio | 11.5661% | 5,180 |
| Total risk-based capital ratio | 12.8226% | 5,062 |
| Memoranda: | ||
| Average total assets | $234,270,000 | 2,712 |
| Average earning assets | $216,840,600 | 2,692 |
| Average equity | $24,323,200 | 2,706 |
| Average total loans | $192,093,400 | 2,372 |