Home > First National Bank and Trust Company of Ardmore > Performance and Condition Ratios
First National Bank and Trust Company of Ardmore, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 2,820 |
| Cost of funding earning assets | 1.6658% | 1,526 |
| Net interest margin | 2.9677% | 3,363 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.7509% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7569% | 3,024 |
| Return on assets (ROA) | 0.7256% | 3,097 |
| Pretax return on assets | 0.7256% | 3,383 |
| Return on Equity (ROE) | 10.2500% | 2,420 |
| Retained earnings to average equity (ytd only) | 0.8674% | 3,862 |
| Net charge-offs to loans | 0.0372% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 36.3688% | 1,506 |
| Efficiency ratio | 78.4230% | 1,033 |
| Assets per employee ($millions) | 4.2922% | 4,049 |
| Cash dividends to net income (ytd only)* | 91.5378% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,703 |
| Loan loss allowance to noncurrent loans | 3,384.6154% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,561 |
| Noncurrent loans to loans | 0.0388% | 3,446 |
| Net loans and leases to total assets | 58.4500% | 2,995 |
| Net loans and leases to deposits | 76.2261% | 2,433 |
| Net loans and leases to core deposits | 81.3909% | 2,628 |
| Total domestic deposits to total assets | 76.6800% | 3,875 |
| Equity capital to assets | 7.5382% | 3,699 |
| Core capital (leverage) ratio | 9.1584% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $677,528,000 | 1,337 |
| Average earning assets | $629,434,200 | 1,321 |
| Average equity | $47,958,200 | 1,659 |
| Average total loans | $379,435,200 | 1,524 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,905 |
| Cost of funding earning assets | 1.6238% | 1,329 |
| Net interest margin | 2.8804% | 3,586 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.7153% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7082% | 3,302 |
| Return on assets (ROA) | 0.6665% | 3,384 |
| Pretax return on assets | 0.6665% | 3,610 |
| Return on Equity (ROE) | 9.5700% | 2,778 |
| Retained earnings to average equity (ytd only) | 1.0911% | 3,932 |
| Net charge-offs to loans | 0.0407% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.5614% | 1,567 |
| Efficiency ratio | 79.3135% | 903 |
| Assets per employee ($millions) | 4.2909% | 4,049 |
| Cash dividends to net income (ytd only)* | 88.6001% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,518 |
| Loan loss allowance to noncurrent loans | 3,216.3636% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,570 |
| Noncurrent loans to loans | 0.0430% | 3,454 |
| Net loans and leases to total assets | 55.8400% | 3,217 |
| Net loans and leases to deposits | 70.5488% | 2,804 |
| Net loans and leases to core deposits | 75.6932% | 2,888 |
| Total domestic deposits to total assets | 79.1400% | 3,671 |
| Equity capital to assets | 6.7179% | 3,744 |
| Core capital (leverage) ratio | 9.1478% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $677,366,750 | 1,336 |
| Average earning assets | $629,289,750 | 1,325 |
| Average equity | $47,167,250 | 1,666 |
| Average total loans | $373,881,750 | 1,535 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,892 |
| Cost of funding earning assets | 1.5631% | 1,140 |
| Net interest margin | 2.8333% | 3,774 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.6962% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6755% | 3,396 |
| Return on assets (ROA) | 0.6128% | 3,550 |
| Pretax return on assets | 0.6128% | 3,778 |
| Return on Equity (ROE) | 8.7000% | 3,062 |
| Retained earnings to average equity (ytd only) | 2.4105% | 3,620 |
| Net charge-offs to loans | 0.0157% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 78.8621% | 1,060 |
| Efficiency ratio | 79.9667% | 842 |
| Assets per employee ($millions) | 4.2824% | 4,066 |
| Cash dividends to net income (ytd only)* | 72.2892% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,400 |
| Loan loss allowance to noncurrent loans | 5,502.0408% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,694 |
| Noncurrent loans to loans | 0.0261% | 3,571 |
| Net loans and leases to total assets | 54.3400% | 3,245 |
| Net loans and leases to deposits | 70.5247% | 2,745 |
| Net loans and leases to core deposits | 74.7017% | 2,844 |
| Total domestic deposits to total assets | 77.0500% | 3,948 |
| Equity capital to assets | 6.9495% | 3,821 |
| Core capital (leverage) ratio | 9.1309% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $677,167,667 | 1,334 |
| Average earning assets | $628,884,333 | 1,327 |
| Average equity | $47,708,000 | 1,655 |
| Average total loans | $370,559,000 | 1,532 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,818 |
| Cost of funding earning assets | 1.4592% | 922 |
| Net interest margin | 2.8329% | 3,901 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.7454% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6273% | 3,641 |
| Return on assets (ROA) | 0.5017% | 3,858 |
| Pretax return on assets | 0.5017% | 3,988 |
| Return on Equity (ROE) | 7.0700% | 3,499 |
| Retained earnings to average equity (ytd only) | 2.8976% | 3,529 |
| Net charge-offs to loans | 0.0087% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 132.3750% | 658 |
| Efficiency ratio | 81.4015% | 744 |
| Assets per employee ($millions) | 4.1635% | 4,185 |
| Cash dividends to net income (ytd only)* | 59.0319% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,408 |
| Loan loss allowance to noncurrent loans | 3,128.9017% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,529 |
| Noncurrent loans to loans | 0.0466% | 3,403 |
| Net loans and leases to total assets | 54.2500% | 3,182 |
| Net loans and leases to deposits | 69.8507% | 2,621 |
| Net loans and leases to core deposits | 73.2315% | 2,737 |
| Total domestic deposits to total assets | 77.6700% | 4,036 |
| Equity capital to assets | 7.2323% | 3,713 |
| Core capital (leverage) ratio | 9.0623% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $675,304,000 | 1,350 |
| Average earning assets | $627,196,500 | 1,349 |
| Average equity | $47,902,500 | 1,662 |
| Average total loans | $368,137,500 | 1,555 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 2,034 |
| Cost of funding earning assets | 0.4230% | 1,919 |
| Net interest margin | 3.4576% | 2,073 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.8568% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1109% | 2,121 |
| Return on assets (ROA) | 1.1109% | 2,056 |
| Pretax return on assets | 1.1109% | 2,732 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.5149% | 584 |
| Net charge-offs to loans | 0.0125% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 164.3182% | 742 |
| Efficiency ratio | 72.0017% | 1,441 |
| Assets per employee ($millions) | 4.1995% | 4,202 |
| Cash dividends to net income (ytd only)* | 15.9059% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,128 |
| Loan loss allowance to noncurrent loans | 1,894.8980% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,372 |
| Noncurrent loans to loans | 0.0806% | 3,182 |
| Net loans and leases to total assets | 53.1500% | 3,270 |
| Net loans and leases to deposits | 68.1957% | 2,717 |
| Net loans and leases to core deposits | 70.6816% | 2,826 |
| Total domestic deposits to total assets | 77.9400% | 4,101 |
| Equity capital to assets | 6.9550% | 3,694 |
| Core capital (leverage) ratio | 9.1277% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $650,834,800 | 1,375 |
| Average earning assets | $604,951,800 | 1,376 |
| Average equity | $48,582,000 | 1,660 |
| Average total loans | $351,543,400 | 1,542 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,787 |
| Cost of funding earning assets | 0.2366% | 2,851 |
| Net interest margin | 3.5549% | 1,505 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.7811% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2888% | 1,391 |
| Return on assets (ROA) | 1.2888% | 1,360 |
| Pretax return on assets | 1.2888% | 2,086 |
| Return on Equity (ROE) | 16.9600% | 798 |
| Retained earnings to average equity (ytd only) | 15.8728% | 289 |
| Net charge-offs to loans | 0.0100% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 239.6154% | 555 |
| Efficiency ratio | 68.3338% | 1,973 |
| Assets per employee ($millions) | 4.3401% | 4,156 |
| Cash dividends to net income (ytd only)* | 6.4205% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,099 |
| Loan loss allowance to noncurrent loans | 3,676.9737% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,720 |
| Noncurrent loans to loans | 0.0431% | 3,577 |
| Net loans and leases to total assets | 51.6200% | 3,318 |
| Net loans and leases to deposits | 61.9001% | 3,027 |
| Net loans and leases to core deposits | 63.9798% | 3,121 |
| Total domestic deposits to total assets | 83.4000% | 3,624 |
| Equity capital to assets | 6.4358% | 3,773 |
| Core capital (leverage) ratio | 9.1695% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $644,514,500 | 1,390 |
| Average earning assets | $599,492,250 | 1,391 |
| Average equity | $48,971,500 | 1,666 |
| Average total loans | $348,194,750 | 1,547 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 1,469 |
| Cost of funding earning assets | 0.1278% | 3,869 |
| Net interest margin | 3.6033% | 1,060 |
| Noninterest income to average assets | 0.7658% | 1,139 |
| Noninterest expense to average assets | 2.7960% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3169% | 1,095 |
| Return on assets (ROA) | 1.3169% | 1,074 |
| Pretax return on assets | 1.3169% | 1,691 |
| Return on Equity (ROE) | 16.4439% | 642 |
| Retained earnings to average equity (ytd only) | 14.8710% | 275 |
| Net charge-offs to loans | -0.0127% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9810% | 2,247 |
| Assets per employee ($millions) | 4.2573% | 4,233 |
| Cash dividends to net income (ytd only)* | 9.5648% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,002 |
| Loan loss allowance to noncurrent loans | 2,935.9375% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,687 |
| Noncurrent loans to loans | 0.0570% | 3,526 |
| Net loans and leases to total assets | 50.5180% | 3,320 |
| Net loans and leases to deposits | 59.6999% | 3,072 |
| Net loans and leases to core deposits | 61.9675% | 3,120 |
| Total domestic deposits to total assets | 84.6198% | 3,565 |
| Equity capital to assets | 6.8307% | 3,851 |
| Core capital (leverage) ratio | 9.2171% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $635,116,667 | 1,422 |
| Average earning assets | $589,960,333 | 1,433 |
| Average equity | $50,864,000 | 1,656 |
| Average total loans | $346,637,333 | 1,543 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 1,022 |
| Cost of funding earning assets | 0.1134% | 3,968 |
| Net interest margin | 3.7255% | 717 |
| Noninterest income to average assets | 0.7823% | 1,084 |
| Noninterest expense to average assets | 2.8211% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4301% | 741 |
| Return on assets (ROA) | 1.4301% | 742 |
| Pretax return on assets | 1.4301% | 1,180 |
| Return on Equity (ROE) | 16.5776% | 470 |
| Retained earnings to average equity (ytd only) | 13.6094% | 408 |
| Net charge-offs to loans | -0.0284% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3605% | 2,722 |
| Assets per employee ($millions) | 4.1180% | 4,351 |
| Cash dividends to net income (ytd only)* | 17.9051% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 1,243 |
| Loan loss allowance to noncurrent loans | 706.7669% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,920 |
| Noncurrent loans to loans | 0.2280% | 2,683 |
| Net loans and leases to total assets | 54.2892% | 2,720 |
| Net loans and leases to deposits | 64.3524% | 2,496 |
| Net loans and leases to core deposits | 67.1965% | 2,524 |
| Total domestic deposits to total assets | 84.3623% | 3,686 |
| Equity capital to assets | 7.9941% | 3,577 |
| Core capital (leverage) ratio | 9.2983% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $624,863,000 | 1,443 |
| Average earning assets | $581,826,500 | 1,448 |
| Average equity | $53,904,000 | 1,625 |
| Average total loans | $351,533,500 | 1,516 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 1,522 |
| Cost of funding earning assets | 0.1521% | 3,948 |
| Net interest margin | 3.7861% | 1,039 |
| Noninterest income to average assets | 0.7471% | 1,606 |
| Noninterest expense to average assets | 3.0091% | 964 |
| Loan and lease loss provision to assets | 0.0581% | 1,899 |
| Net operating income to assets | 1.1981% | 1,931 |
| Return on assets (ROA) | 1.1981% | 1,982 |
| Pretax return on assets | 1.1981% | 2,667 |
| Return on Equity (ROE) | 13.4997% | 1,308 |
| Retained earnings to average equity (ytd only) | 1.2298% | 4,198 |
| Net charge-offs to loans | 0.0730% | 1,060 |
| Credit loss provision to net charge-offs | 133.5878% | 1,558 |
| Earnings coverage of net charge-offs (x) | 28.9046% | 1,630 |
| Efficiency ratio | 70.5491% | 1,673 |
| Assets per employee ($millions) | 3.9459% | 4,443 |
| Cash dividends to net income (ytd only)* | 90.8902% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 1,285 |
| Loan loss allowance to noncurrent loans | 870.5426% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 3,199 |
| Noncurrent loans to loans | 0.1826% | 3,029 |
| Net loans and leases to total assets | 56.4573% | 2,547 |
| Net loans and leases to deposits | 66.9519% | 2,413 |
| Net loans and leases to core deposits | 70.0509% | 2,439 |
| Total domestic deposits to total assets | 84.3251% | 3,467 |
| Equity capital to assets | 9.2781% | 3,342 |
| Core capital (leverage) ratio | 9.2387% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,872,200 | 1,446 |
| Average earning assets | $560,201,000 | 1,453 |
| Average equity | $53,505,000 | 1,666 |
| Average total loans | $359,048,400 | 1,492 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 1,554 |
| Cost of funding earning assets | 0.1637% | 3,982 |
| Net interest margin | 3.8270% | 1,063 |
| Noninterest income to average assets | 0.7357% | 1,708 |
| Noninterest expense to average assets | 2.9881% | 999 |
| Loan and lease loss provision to assets | 0.0779% | 1,510 |
| Net operating income to assets | 1.1968% | 2,182 |
| Return on assets (ROA) | 1.1968% | 2,237 |
| Pretax return on assets | 1.2246% | 2,851 |
| Return on Equity (ROE) | 13.6439% | 1,503 |
| Retained earnings to average equity (ytd only) | -2.9959% | 4,748 |
| Net charge-offs to loans | 0.0370% | 1,342 |
| Credit loss provision to net charge-offs | 350.0000% | 929 |
| Earnings coverage of net charge-offs (x) | 58.5800% | 1,145 |
| Efficiency ratio | 69.6445% | 1,639 |
| Assets per employee ($millions) | 3.8477% | 4,524 |
| Cash dividends to net income (ytd only)* | 121.9580% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 1,254 |
| Loan loss allowance to noncurrent loans | 318.2920% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 2,271 |
| Noncurrent loans to loans | 0.5137% | 2,019 |
| Net loans and leases to total assets | 57.5348% | 2,553 |
| Net loans and leases to deposits | 68.6704% | 2,376 |
| Net loans and leases to core deposits | 71.9465% | 2,429 |
| Total domestic deposits to total assets | 83.7840% | 3,512 |
| Equity capital to assets | 8.5083% | 4,209 |
| Core capital (leverage) ratio | 9.0159% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $599,700,500 | 1,465 |
| Average earning assets | $557,039,750 | 1,473 |
| Average equity | $52,603,250 | 1,710 |
| Average total loans | $360,524,750 | 1,518 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 1,774 |
| Cost of funding earning assets | 0.1800% | 3,947 |
| Net interest margin | 3.7358% | 1,251 |
| Noninterest income to average assets | 0.7255% | 1,732 |
| Noninterest expense to average assets | 2.9443% | 1,076 |
| Loan and lease loss provision to assets | 0.1003% | 1,264 |
| Net operating income to assets | 1.1139% | 2,491 |
| Return on assets (ROA) | 1.1139% | 2,558 |
| Pretax return on assets | 1.1504% | 3,056 |
| Return on Equity (ROE) | 12.5724% | 1,866 |
| Retained earnings to average equity (ytd only) | 3.1393% | 3,800 |
| Net charge-offs to loans | 0.0501% | 1,120 |
| Credit loss provision to net charge-offs | 329.6703% | 854 |
| Earnings coverage of net charge-offs (x) | 41.1099% | 1,150 |
| Efficiency ratio | 70.1865% | 1,612 |
| Assets per employee ($millions) | 3.9971% | 4,447 |
| Cash dividends to net income (ytd only)* | 75.0300% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,309 |
| Loan loss allowance to noncurrent loans | 297.8193% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 2,342 |
| Noncurrent loans to loans | 0.5327% | 2,075 |
| Net loans and leases to total assets | 58.1883% | 2,647 |
| Net loans and leases to deposits | 69.8130% | 2,432 |
| Net loans and leases to core deposits | 72.1864% | 2,588 |
| Total domestic deposits to total assets | 83.3487% | 3,624 |
| Equity capital to assets | 8.6716% | 4,076 |
| Core capital (leverage) ratio | 9.2226% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,235,667 | 1,464 |
| Average earning assets | $555,591,000 | 1,471 |
| Average equity | $53,005,000 | 1,695 |
| Average total loans | $362,919,000 | 1,513 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 2,009 |
| Cost of funding earning assets | 0.1959% | 3,948 |
| Net interest margin | 3.6350% | 1,488 |
| Noninterest income to average assets | 0.7221% | 1,798 |
| Noninterest expense to average assets | 2.9433% | 1,077 |
| Loan and lease loss provision to assets | 0.1014% | 1,329 |
| Net operating income to assets | 1.0237% | 2,730 |
| Return on assets (ROA) | 1.0237% | 2,811 |
| Pretax return on assets | 1.0521% | 3,229 |
| Return on Equity (ROE) | 11.4281% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.9928% | 4,007 |
| Net charge-offs to loans | 0.0924% | 728 |
| Credit loss provision to net charge-offs | 178.5714% | 927 |
| Earnings coverage of net charge-offs (x) | 20.3095% | 1,249 |
| Efficiency ratio | 71.8435% | 1,512 |
| Assets per employee ($millions) | 4.0136% | 4,471 |
| Cash dividends to net income (ytd only)* | 82.5627% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,456 |
| Loan loss allowance to noncurrent loans | 186.4955% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 1,907 |
| Noncurrent loans to loans | 0.8263% | 1,620 |
| Net loans and leases to total assets | 58.9628% | 2,675 |
| Net loans and leases to deposits | 69.6401% | 2,545 |
| Net loans and leases to core deposits | 73.5190% | 2,556 |
| Total domestic deposits to total assets | 84.6678% | 3,232 |
| Equity capital to assets | 8.6003% | 4,046 |
| Core capital (leverage) ratio | 9.5276% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,578,000 | 1,464 |
| Average earning assets | $549,221,000 | 1,473 |
| Average equity | $52,992,000 | 1,683 |
| Average total loans | $363,585,000 | 1,513 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 2,674 |
| Cost of funding earning assets | 0.4039% | 3,557 |
| Net interest margin | 3.6136% | 2,094 |
| Noninterest income to average assets | 0.7612% | 1,653 |
| Noninterest expense to average assets | 2.9468% | 1,551 |
| Loan and lease loss provision to assets | 0.1542% | 2,443 |
| Net operating income to assets | 1.0066% | 2,266 |
| Return on assets (ROA) | 1.0119% | 2,393 |
| Pretax return on assets | 1.0119% | 3,005 |
| Return on Equity (ROE) | 10.4409% | 1,832 |
| Retained earnings to average equity (ytd only) | 2.3746% | 3,676 |
| Net charge-offs to loans | 0.0039% | 3,224 |
| Credit loss provision to net charge-offs | 6,285.7143% | 174 |
| Earnings coverage of net charge-offs (x) | 473.0714% | 247 |
| Efficiency ratio | 71.7389% | 1,711 |
| Assets per employee ($millions) | 3.8219% | 4,490 |
| Cash dividends to net income (ytd only)* | 77.2562% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,524 |
| Loan loss allowance to noncurrent loans | 77.0636% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 680 |
| Noncurrent loans to loans | 1.9691% | 592 |
| Net loans and leases to total assets | 62.1560% | 2,588 |
| Net loans and leases to deposits | 74.2499% | 2,462 |
| Net loans and leases to core deposits | 77.9575% | 2,555 |
| Total domestic deposits to total assets | 83.7119% | 3,198 |
| Equity capital to assets | 9.3332% | 3,762 |
| Core capital (leverage) ratio | 9.7605% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,526,200 | 1,396 |
| Average earning assets | $528,333,400 | 1,395 |
| Average equity | $55,292,400 | 1,553 |
| Average total loans | $360,395,600 | 1,478 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 2,893 |
| Cost of funding earning assets | 0.4618% | 3,458 |
| Net interest margin | 3.5674% | 2,367 |
| Noninterest income to average assets | 0.7512% | 1,643 |
| Noninterest expense to average assets | 2.8919% | 1,723 |
| Loan and lease loss provision to assets | 0.1499% | 2,523 |
| Net operating income to assets | 1.0113% | 2,302 |
| Return on assets (ROA) | 1.0162% | 2,402 |
| Pretax return on assets | 1.0162% | 3,010 |
| Return on Equity (ROE) | 10.3885% | 1,877 |
| Retained earnings to average equity (ytd only) | 3.5603% | 3,277 |
| Net charge-offs to loans | 0.0122% | 2,673 |
| Credit loss provision to net charge-offs | 1,939.3939% | 489 |
| Earnings coverage of net charge-offs (x) | 150.1515% | 600 |
| Efficiency ratio | 71.3484% | 1,715 |
| Assets per employee ($millions) | 3.9014% | 4,405 |
| Cash dividends to net income (ytd only)* | 65.7288% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,678 |
| Loan loss allowance to noncurrent loans | 139.9575% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 1,797 |
| Noncurrent loans to loans | 1.0105% | 1,476 |
| Net loans and leases to total assets | 63.1690% | 2,865 |
| Net loans and leases to deposits | 75.9634% | 2,755 |
| Net loans and leases to core deposits | 80.1297% | 2,830 |
| Total domestic deposits to total assets | 83.1572% | 3,103 |
| Equity capital to assets | 9.9939% | 3,228 |
| Core capital (leverage) ratio | 9.7054% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,881,750 | 1,373 |
| Average earning assets | $526,577,250 | 1,383 |
| Average equity | $55,650,000 | 1,524 |
| Average total loans | $359,436,500 | 1,476 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,038 |
| Cost of funding earning assets | 0.5515% | 3,230 |
| Net interest margin | 3.5545% | 2,622 |
| Noninterest income to average assets | 0.7412% | 1,609 |
| Noninterest expense to average assets | 2.8930% | 1,843 |
| Loan and lease loss provision to assets | 0.1417% | 2,595 |
| Net operating income to assets | 0.9913% | 2,356 |
| Return on assets (ROA) | 0.9983% | 2,460 |
| Pretax return on assets | 0.9983% | 3,037 |
| Return on Equity (ROE) | 10.2818% | 1,894 |
| Retained earnings to average equity (ytd only) | 3.3519% | 3,251 |
| Net charge-offs to loans | 0.0130% | 2,502 |
| Credit loss provision to net charge-offs | 1,739.1304% | 543 |
| Earnings coverage of net charge-offs (x) | 139.0870% | 558 |
| Efficiency ratio | 71.8596% | 1,701 |
| Assets per employee ($millions) | 3.9876% | 4,328 |
| Cash dividends to net income (ytd only)* | 67.3998% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,726 |
| Loan loss allowance to noncurrent loans | 152.2054% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 2,111 |
| Noncurrent loans to loans | 0.8935% | 1,710 |
| Net loans and leases to total assets | 62.3364% | 3,090 |
| Net loans and leases to deposits | 76.4859% | 2,805 |
| Net loans and leases to core deposits | 80.1226% | 2,939 |
| Total domestic deposits to total assets | 81.5005% | 3,498 |
| Equity capital to assets | 9.7927% | 3,374 |
| Core capital (leverage) ratio | 9.4669% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,737,333 | 1,363 |
| Average earning assets | $521,872,667 | 1,371 |
| Average equity | $54,834,667 | 1,529 |
| Average total loans | $355,089,000 | 1,475 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 3,162 |
| Cost of funding earning assets | 0.6951% | 2,956 |
| Net interest margin | 3.5223% | 2,901 |
| Noninterest income to average assets | 0.7841% | 1,354 |
| Noninterest expense to average assets | 2.9645% | 1,972 |
| Loan and lease loss provision to assets | 0.1155% | 2,239 |
| Net operating income to assets | 0.9603% | 2,316 |
| Return on assets (ROA) | 0.9747% | 2,369 |
| Pretax return on assets | 0.9747% | 2,917 |
| Return on Equity (ROE) | 10.0839% | 1,722 |
| Retained earnings to average equity (ytd only) | 2.9878% | 3,087 |
| Net charge-offs to loans | 0.0368% | 1,683 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 46.5625% | 950 |
| Efficiency ratio | 73.3738% | 1,897 |
| Assets per employee ($millions) | 3.7206% | 4,254 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,721 |
| Loan loss allowance to noncurrent loans | 92.9181% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 1,452 |
| Noncurrent loans to loans | 1.5007% | 1,067 |
| Net loans and leases to total assets | 60.2775% | 3,467 |
| Net loans and leases to deposits | 72.9835% | 3,360 |
| Net loans and leases to core deposits | 79.1852% | 3,272 |
| Total domestic deposits to total assets | 82.5905% | 3,238 |
| Equity capital to assets | 9.5122% | 4,209 |
| Core capital (leverage) ratio | 10.0536% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,016,500 | 1,349 |
| Average earning assets | $512,162,500 | 1,346 |
| Average equity | $53,550,500 | 1,556 |
| Average total loans | $347,413,000 | 1,462 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,824 |
| Cost of funding earning assets | 0.8120% | 2,624 |
| Net interest margin | 3.7234% | 2,745 |
| Noninterest income to average assets | 0.8260% | 1,367 |
| Noninterest expense to average assets | 2.9743% | 2,080 |
| Loan and lease loss provision to assets | 0.0920% | 2,191 |
| Net operating income to assets | 1.2211% | 1,977 |
| Return on assets (ROA) | 1.2252% | 2,056 |
| Pretax return on assets | 1.2252% | 2,749 |
| Return on Equity (ROE) | 12.4792% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.3490% | 2,249 |
| Net charge-offs to loans | 0.0232% | 2,943 |
| Credit loss provision to net charge-offs | 618.7500% | 502 |
| Earnings coverage of net charge-offs (x) | 88.3250% | 741 |
| Efficiency ratio | 69.3728% | 2,269 |
| Assets per employee ($millions) | 3.6659% | 4,296 |
| Cash dividends to net income (ytd only)* | 57.1364% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 1,809 |
| Loan loss allowance to noncurrent loans | 91.3563% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 1,360 |
| Noncurrent loans to loans | 1.4520% | 1,005 |
| Net loans and leases to total assets | 63.4780% | 3,259 |
| Net loans and leases to deposits | 76.7864% | 3,108 |
| Net loans and leases to core deposits | 83.4066% | 3,006 |
| Total domestic deposits to total assets | 82.6683% | 3,314 |
| Equity capital to assets | 9.8239% | 4,085 |
| Core capital (leverage) ratio | 9.9483% | 3,571 |
| Tier 1 risk-based capital ratio | 14.1163% | 3,208 |
| Total risk-based capital ratio | 15.3294% | 3,137 |
| Memoranda: | ||
| Average total assets | $538,110,600 | 1,334 |
| Average earning assets | $500,238,600 | 1,330 |
| Average equity | $52,832,000 | 1,521 |
| Average total loans | $344,306,200 | 1,444 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 2,957 |
| Cost of funding earning assets | 0.7997% | 2,721 |
| Net interest margin | 3.7321% | 2,817 |
| Noninterest income to average assets | 0.8347% | 1,314 |
| Noninterest expense to average assets | 3.0176% | 1,925 |
| Loan and lease loss provision to assets | 0.1007% | 1,907 |
| Net operating income to assets | 1.1869% | 2,244 |
| Return on assets (ROA) | 1.1869% | 2,319 |
| Pretax return on assets | 1.1869% | 3,020 |
| Return on Equity (ROE) | 12.0903% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.9532% | 2,910 |
| Net charge-offs to loans | 0.0160% | 2,834 |
| Credit loss provision to net charge-offs | 987.8049% | 360 |
| Earnings coverage of net charge-offs (x) | 126.2574% | 624 |
| Efficiency ratio | 70.0924% | 2,098 |
| Assets per employee ($millions) | 3.8280% | 4,133 |
| Cash dividends to net income (ytd only)* | 59.0319% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 1,925 |
| Loan loss allowance to noncurrent loans | 129.2040% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,088 |
| Noncurrent loans to loans | 1.0144% | 1,578 |
| Net loans and leases to total assets | 62.1114% | 3,486 |
| Net loans and leases to deposits | 77.5132% | 3,151 |
| Net loans and leases to core deposits | 83.8941% | 3,103 |
| Total domestic deposits to total assets | 80.1301% | 3,968 |
| Equity capital to assets | 9.7841% | 4,221 |
| Core capital (leverage) ratio | 9.7536% | 3,904 |
| Tier 1 risk-based capital ratio | 13.9245% | 3,366 |
| Total risk-based capital ratio | 15.1273% | 3,301 |
| Memoranda: | ||
| Average total assets | $536,083,750 | 1,343 |
| Average earning assets | $498,514,750 | 1,340 |
| Average equity | $52,625,000 | 1,528 |
| Average total loans | $342,535,500 | 1,463 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 3,030 |
| Cost of funding earning assets | 0.7447% | 2,919 |
| Net interest margin | 3.7505% | 2,751 |
| Noninterest income to average assets | 0.8235% | 1,270 |
| Noninterest expense to average assets | 3.0241% | 1,934 |
| Loan and lease loss provision to assets | 0.1022% | 1,829 |
| Net operating income to assets | 1.1887% | 2,190 |
| Return on assets (ROA) | 1.1887% | 2,254 |
| Pretax return on assets | 1.1887% | 2,943 |
| Return on Equity (ROE) | 12.0949% | 1,541 |
| Retained earnings to average equity (ytd only) | 4.8287% | 2,849 |
| Net charge-offs to loans | 0.0171% | 2,542 |
| Credit loss provision to net charge-offs | 931.0345% | 367 |
| Earnings coverage of net charge-offs (x) | 117.6207% | 616 |
| Efficiency ratio | 70.0842% | 2,211 |
| Assets per employee ($millions) | 3.9384% | 3,954 |
| Cash dividends to net income (ytd only)* | 60.0764% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,135 |
| Loan loss allowance to noncurrent loans | 120.9108% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 2,031 |
| Noncurrent loans to loans | 1.0504% | 1,558 |
| Net loans and leases to total assets | 63.2612% | 3,424 |
| Net loans and leases to deposits | 78.7971% | 3,081 |
| Net loans and leases to core deposits | 84.3625% | 3,078 |
| Total domestic deposits to total assets | 80.2836% | 3,975 |
| Equity capital to assets | 9.7364% | 4,205 |
| Core capital (leverage) ratio | 9.9449% | 3,647 |
| Tier 1 risk-based capital ratio | 13.8399% | 3,400 |
| Total risk-based capital ratio | 15.0190% | 3,334 |
| Memoranda: | ||
| Average total assets | $528,483,000 | 1,358 |
| Average earning assets | $491,986,330 | 1,353 |
| Average equity | $51,939,330 | 1,539 |
| Average total loans | $339,466,670 | 1,477 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 3,128 |
| Cost of funding earning assets | 0.7186% | 2,951 |
| Net interest margin | 3.7075% | 2,866 |
| Noninterest income to average assets | 0.8216% | 1,235 |
| Noninterest expense to average assets | 3.0211% | 1,936 |
| Loan and lease loss provision to assets | 0.1044% | 1,696 |
| Net operating income to assets | 1.1489% | 2,277 |
| Return on assets (ROA) | 1.1489% | 2,324 |
| Pretax return on assets | 1.1489% | 2,982 |
| Return on Equity (ROE) | 11.6318% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.1357% | 3,263 |
| Net charge-offs to loans | 0.0229% | 1,985 |
| Credit loss provision to net charge-offs | 710.5263% | 482 |
| Earnings coverage of net charge-offs (x) | 85.2632% | 730 |
| Efficiency ratio | 70.6787% | 2,243 |
| Assets per employee ($millions) | 3.7105% | 4,332 |
| Cash dividends to net income (ytd only)* | 64.4444% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,097 |
| Loan loss allowance to noncurrent loans | 96.9764% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 1,648 |
| Noncurrent loans to loans | 1.3397% | 1,214 |
| Net loans and leases to total assets | 63.3422% | 3,368 |
| Net loans and leases to deposits | 78.1068% | 3,045 |
| Net loans and leases to core deposits | 84.3628% | 2,991 |
| Total domestic deposits to total assets | 81.0969% | 3,952 |
| Equity capital to assets | 9.8913% | 3,928 |
| Core capital (leverage) ratio | 10.1710% | 3,421 |
| Tier 1 risk-based capital ratio | 14.4217% | 3,134 |
| Total risk-based capital ratio | 15.6329% | 3,080 |
| Memoranda: | ||
| Average total assets | $517,038,000 | 1,394 |
| Average earning assets | $481,516,000 | 1,388 |
| Average equity | $51,067,000 | 1,551 |
| Average total loans | $332,554,000 | 1,510 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 3,053 |
| Cost of funding earning assets | 0.5629% | 2,970 |
| Net interest margin | 3.7543% | 2,841 |
| Noninterest income to average assets | 0.8770% | 1,243 |
| Noninterest expense to average assets | 2.9381% | 2,220 |
| Loan and lease loss provision to assets | 0.0979% | 2,218 |
| Net operating income to assets | 1.3415% | 1,651 |
| Return on assets (ROA) | 1.3110% | 1,734 |
| Pretax return on assets | 1.3110% | 2,455 |
| Return on Equity (ROE) | 13.8246% | 1,086 |
| Retained earnings to average equity (ytd only) | 6.5583% | 1,892 |
| Net charge-offs to loans | 0.0432% | 2,549 |
| Credit loss provision to net charge-offs | 373.1343% | 861 |
| Earnings coverage of net charge-offs (x) | 54.8731% | 1,081 |
| Efficiency ratio | 67.1183% | 2,690 |
| Assets per employee ($millions) | 3.8127% | 4,161 |
| Cash dividends to net income (ytd only)* | 52.5608% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,099 |
| Loan loss allowance to noncurrent loans | 3,266.1538% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,741 |
| Noncurrent loans to loans | 0.0395% | 4,580 |
| Net loans and leases to total assets | 63.6345% | 3,393 |
| Net loans and leases to deposits | 79.0736% | 3,045 |
| Net loans and leases to core deposits | 85.2138% | 2,983 |
| Total domestic deposits to total assets | 80.4751% | 4,004 |
| Equity capital to assets | 9.8621% | 3,804 |
| Core capital (leverage) ratio | 9.9999% | 3,576 |
| Tier 1 risk-based capital ratio | 14.3935% | 3,116 |
| Total risk-based capital ratio | 15.5822% | 3,064 |
| Memoranda: | ||
| Average total assets | $510,836,800 | 1,379 |
| Average earning assets | $476,303,800 | 1,370 |
| Average equity | $48,442,600 | 1,558 |
| Average total loans | $310,413,800 | 1,553 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 3,230 |
| Cost of funding earning assets | 0.5202% | 3,062 |
| Net interest margin | 3.7040% | 3,007 |
| Noninterest income to average assets | 0.8848% | 1,235 |
| Noninterest expense to average assets | 2.9353% | 2,211 |
| Loan and lease loss provision to assets | 0.0822% | 2,306 |
| Net operating income to assets | 1.3223% | 1,772 |
| Return on assets (ROA) | 1.3126% | 1,815 |
| Pretax return on assets | 1.3126% | 2,567 |
| Return on Equity (ROE) | 13.9816% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.6419% | 2,312 |
| Net charge-offs to loans | 0.0558% | 2,020 |
| Credit loss provision to net charge-offs | 246.0938% | 1,196 |
| Earnings coverage of net charge-offs (x) | 42.0397% | 1,314 |
| Efficiency ratio | 67.6370% | 2,607 |
| Assets per employee ($millions) | 3.9445% | 3,978 |
| Cash dividends to net income (ytd only)* | 52.4955% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,398 |
| Loan loss allowance to noncurrent loans | 1,570.2703% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,716 |
| Noncurrent loans to loans | 0.0791% | 4,525 |
| Net loans and leases to total assets | 62.5934% | 3,588 |
| Net loans and leases to deposits | 77.4024% | 3,290 |
| Net loans and leases to core deposits | 85.8770% | 3,001 |
| Total domestic deposits to total assets | 80.8676% | 3,901 |
| Equity capital to assets | 9.3907% | 4,189 |
| Core capital (leverage) ratio | 9.9080% | 3,732 |
| Tier 1 risk-based capital ratio | 14.2992% | 3,212 |
| Total risk-based capital ratio | 15.4480% | 3,186 |
| Memoranda: | ||
| Average total assets | $510,821,750 | 1,381 |
| Average earning assets | $476,479,000 | 1,375 |
| Average equity | $47,957,000 | 1,569 |
| Average total loans | $305,679,000 | 1,580 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 3,270 |
| Cost of funding earning assets | 0.4710% | 3,216 |
| Net interest margin | 3.6811% | 3,007 |
| Noninterest income to average assets | 0.9075% | 1,162 |
| Noninterest expense to average assets | 2.9620% | 2,162 |
| Loan and lease loss provision to assets | 0.0825% | 2,262 |
| Net operating income to assets | 1.2970% | 1,786 |
| Return on assets (ROA) | 1.2970% | 1,777 |
| Pretax return on assets | 1.2970% | 2,527 |
| Return on Equity (ROE) | 13.8169% | 1,123 |
| Retained earnings to average equity (ytd only) | 6.4479% | 2,336 |
| Net charge-offs to loans | 0.0496% | 1,895 |
| Credit loss provision to net charge-offs | 283.7838% | 1,050 |
| Earnings coverage of net charge-offs (x) | 47.4324% | 1,163 |
| Efficiency ratio | 68.2238% | 2,611 |
| Assets per employee ($millions) | 3.6850% | 4,368 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,096 |
| Loan loss allowance to noncurrent loans | 1,270.8861% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,709 |
| Noncurrent loans to loans | 0.1035% | 4,450 |
| Net loans and leases to total assets | 59.2586% | 3,880 |
| Net loans and leases to deposits | 73.4053% | 3,591 |
| Net loans and leases to core deposits | 80.5386% | 3,370 |
| Total domestic deposits to total assets | 80.7280% | 4,071 |
| Equity capital to assets | 9.4480% | 4,154 |
| Core capital (leverage) ratio | 9.7921% | 3,798 |
| Tier 1 risk-based capital ratio | 14.7261% | 3,008 |
| Total risk-based capital ratio | 15.9143% | 2,958 |
| Memoranda: | ||
| Average total assets | $508,850,670 | 1,390 |
| Average earning assets | $474,698,000 | 1,384 |
| Average equity | $47,767,670 | 1,578 |
| Average total loans | $298,402,330 | 1,613 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,517 |
| Cost of funding earning assets | 0.4172% | 3,467 |
| Net interest margin | 3.6095% | 3,138 |
| Noninterest income to average assets | 0.8518% | 1,293 |
| Noninterest expense to average assets | 2.9304% | 2,253 |
| Loan and lease loss provision to assets | 0.0825% | 2,141 |
| Net operating income to assets | 1.2110% | 1,957 |
| Return on assets (ROA) | 1.2110% | 1,967 |
| Pretax return on assets | 1.2110% | 2,708 |
| Return on Equity (ROE) | 12.9418% | 1,279 |
| Retained earnings to average equity (ytd only) | 5.5513% | 2,927 |
| Net charge-offs to loans | -0.0027% | 3,855 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3767% | 2,602 |
| Assets per employee ($millions) | 3.8318% | 4,244 |
| Cash dividends to net income (ytd only)* | 57.1058% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,040 |
| Loan loss allowance to noncurrent loans | 991.7910% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,695 |
| Noncurrent loans to loans | 0.1355% | 4,360 |
| Net loans and leases to total assets | 56.9942% | 4,028 |
| Net loans and leases to deposits | 68.2217% | 3,931 |
| Net loans and leases to core deposits | 77.0365% | 3,575 |
| Total domestic deposits to total assets | 83.5425% | 3,486 |
| Equity capital to assets | 9.2316% | 4,333 |
| Core capital (leverage) ratio | 9.7666% | 3,788 |
| Tier 1 risk-based capital ratio | 14.7869% | 2,985 |
| Total risk-based capital ratio | 15.9926% | 2,928 |
| Memoranda: | ||
| Average total assets | $509,011,000 | 1,403 |
| Average earning assets | $475,526,500 | 1,397 |
| Average equity | $47,628,500 | 1,594 |
| Average total loans | $294,921,500 | 1,634 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,548 |
| Cost of funding earning assets | 0.3489% | 3,730 |
| Net interest margin | 3.6074% | 3,139 |
| Noninterest income to average assets | 0.8323% | 1,458 |
| Noninterest expense to average assets | 2.9384% | 2,322 |
| Loan and lease loss provision to assets | 0.0993% | 2,239 |
| Net operating income to assets | 1.1527% | 1,674 |
| Return on assets (ROA) | 1.1529% | 1,702 |
| Pretax return on assets | 1.1529% | 2,973 |
| Return on Equity (ROE) | 12.4739% | 1,086 |
| Retained earnings to average equity (ytd only) | 5.8329% | 1,637 |
| Net charge-offs to loans | 0.0359% | 3,071 |
| Credit loss provision to net charge-offs | 485.4369% | 641 |
| Earnings coverage of net charge-offs (x) | 61.1942% | 945 |
| Efficiency ratio | 70.1223% | 2,526 |
| Assets per employee ($millions) | 3.7100% | 4,417 |
| Cash dividends to net income (ytd only)* | 53.2391% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,100 |
| Loan loss allowance to noncurrent loans | 1,259.7403% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,816 |
| Noncurrent loans to loans | 0.1050% | 4,516 |
| Net loans and leases to total assets | 57.3435% | 4,074 |
| Net loans and leases to deposits | 68.4565% | 3,992 |
| Net loans and leases to core deposits | 76.5838% | 3,697 |
| Total domestic deposits to total assets | 83.7664% | 3,289 |
| Equity capital to assets | 9.4847% | 4,243 |
| Core capital (leverage) ratio | 9.5828% | 3,933 |
| Tier 1 risk-based capital ratio | 14.8032% | 2,928 |
| Total risk-based capital ratio | 15.9939% | 2,905 |
| Memoranda: | ||
| Average total assets | $503,430,200 | 1,394 |
| Average earning assets | $468,641,800 | 1,386 |
| Average equity | $46,529,000 | 1,620 |
| Average total loans | $286,632,400 | 1,623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,626 |
| Cost of funding earning assets | 0.3286% | 3,855 |
| Net interest margin | 3.5900% | 3,191 |
| Noninterest income to average assets | 0.8159% | 1,527 |
| Noninterest expense to average assets | 2.9552% | 2,233 |
| Loan and lease loss provision to assets | 0.1192% | 1,817 |
| Net operating income to assets | 1.0820% | 2,165 |
| Return on assets (ROA) | 1.0822% | 2,225 |
| Pretax return on assets | 1.0822% | 3,375 |
| Return on Equity (ROE) | 11.7868% | 1,400 |
| Retained earnings to average equity (ytd only) | 4.1675% | 3,423 |
| Net charge-offs to loans | 0.0351% | 2,733 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 60.4385% | 988 |
| Efficiency ratio | 71.0998% | 2,349 |
| Assets per employee ($millions) | 3.8890% | 4,178 |
| Cash dividends to net income (ytd only)* | 64.6424% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,248 |
| Loan loss allowance to noncurrent loans | 950.2463% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,813 |
| Noncurrent loans to loans | 0.1393% | 4,496 |
| Net loans and leases to total assets | 55.5999% | 4,266 |
| Net loans and leases to deposits | 67.5751% | 4,141 |
| Net loans and leases to core deposits | 75.9896% | 3,800 |
| Total domestic deposits to total assets | 82.2788% | 3,689 |
| Equity capital to assets | 9.1486% | 4,774 |
| Core capital (leverage) ratio | 9.3946% | 4,300 |
| Tier 1 risk-based capital ratio | 14.2892% | 3,308 |
| Total risk-based capital ratio | 15.4630% | 3,247 |
| Memoranda: | ||
| Average total assets | $503,148,000 | 1,404 |
| Average earning assets | $468,174,000 | 1,398 |
| Average equity | $46,197,250 | 1,643 |
| Average total loans | $284,987,500 | 1,641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 3,727 |
| Cost of funding earning assets | 0.3008% | 4,074 |
| Net interest margin | 3.5472% | 3,225 |
| Noninterest income to average assets | 0.8294% | 1,473 |
| Noninterest expense to average assets | 3.0017% | 2,105 |
| Loan and lease loss provision to assets | 0.1204% | 1,715 |
| Net operating income to assets | 1.0051% | 2,404 |
| Return on assets (ROA) | 1.0055% | 2,442 |
| Pretax return on assets | 1.0055% | 3,551 |
| Return on Equity (ROE) | 10.9377% | 1,668 |
| Retained earnings to average equity (ytd only) | 3.2560% | 3,778 |
| Net charge-offs to loans | 0.0445% | 2,314 |
| Credit loss provision to net charge-offs | 476.1905% | 690 |
| Earnings coverage of net charge-offs (x) | 44.5238% | 1,166 |
| Efficiency ratio | 72.7299% | 2,229 |
| Assets per employee ($millions) | 3.8400% | 4,212 |
| Cash dividends to net income (ytd only)* | 70.2314% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,391 |
| Loan loss allowance to noncurrent loans | 133.9575% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,910 |
| Noncurrent loans to loans | 0.9733% | 2,019 |
| Net loans and leases to total assets | 55.5552% | 4,263 |
| Net loans and leases to deposits | 68.5605% | 4,017 |
| Net loans and leases to core deposits | 76.2573% | 3,746 |
| Total domestic deposits to total assets | 81.0309% | 4,175 |
| Equity capital to assets | 9.2356% | 4,689 |
| Core capital (leverage) ratio | 9.3481% | 4,298 |
| Tier 1 risk-based capital ratio | 14.1926% | 3,312 |
| Total risk-based capital ratio | 15.3337% | 3,298 |
| Memoranda: | ||
| Average total assets | $498,451,330 | 1,417 |
| Average earning assets | $463,402,670 | 1,416 |
| Average equity | $45,823,000 | 1,651 |
| Average total loans | $282,836,000 | 1,651 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 3,814 |
| Cost of funding earning assets | 0.2846% | 4,201 |
| Net interest margin | 3.4999% | 3,275 |
| Noninterest income to average assets | 0.8878% | 1,283 |
| Noninterest expense to average assets | 3.1394% | 1,766 |
| Loan and lease loss provision to assets | 0.1214% | 1,577 |
| Net operating income to assets | 0.8814% | 2,855 |
| Return on assets (ROA) | 0.8814% | 2,906 |
| Pretax return on assets | 0.8814% | 3,830 |
| Return on Equity (ROE) | 9.6100% | 2,135 |
| Retained earnings to average equity (ytd only) | 1.8443% | 4,384 |
| Net charge-offs to loans | 0.0199% | 2,389 |
| Credit loss provision to net charge-offs | 1,071.4286% | 292 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 604 |
| Efficiency ratio | 75.7913% | 1,941 |
| Assets per employee ($millions) | 3.8265% | 4,304 |
| Cash dividends to net income (ytd only)* | 80.8081% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,597 |
| Loan loss allowance to noncurrent loans | 1,311.2319% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,012 |
| Noncurrent loans to loans | 0.0982% | 4,795 |
| Net loans and leases to total assets | 55.7751% | 4,199 |
| Net loans and leases to deposits | 67.4354% | 4,048 |
| Net loans and leases to core deposits | 76.7850% | 3,575 |
| Total domestic deposits to total assets | 82.7089% | 3,945 |
| Equity capital to assets | 9.1636% | 4,655 |
| Core capital (leverage) ratio | 9.4151% | 4,218 |
| Tier 1 risk-based capital ratio | 14.2561% | 3,334 |
| Total risk-based capital ratio | 15.3844% | 3,318 |
| Memoranda: | ||
| Average total assets | $494,239,000 | 1,435 |
| Average earning assets | $459,551,000 | 1,431 |
| Average equity | $45,328,000 | 1,672 |
| Average total loans | $281,596,000 | 1,665 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,299 |
| Cost of funding earning assets | 0.2575% | 4,497 |
| Net interest margin | 3.4164% | 3,761 |
| Noninterest income to average assets | 0.8328% | 1,639 |
| Noninterest expense to average assets | 2.8629% | 2,799 |
| Loan and lease loss provision to assets | 0.1006% | 2,366 |
| Net operating income to assets | 1.0514% | 2,137 |
| Return on assets (ROA) | 1.0997% | 1,995 |
| Pretax return on assets | 1.0997% | 3,107 |
| Return on Equity (ROE) | 11.8602% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.2210% | 2,903 |
| Net charge-offs to loans | 0.0374% | 3,280 |
| Credit loss provision to net charge-offs | 510.2041% | 649 |
| Earnings coverage of net charge-offs (x) | 58.4184% | 914 |
| Efficiency ratio | 71.3076% | 2,694 |
| Assets per employee ($millions) | 3.8064% | 4,296 |
| Cash dividends to net income (ytd only)* | 64.4099% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,911 |
| Loan loss allowance to noncurrent loans | 1,590.4110% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,153 |
| Noncurrent loans to loans | 0.0776% | 4,930 |
| Net loans and leases to total assets | 56.7456% | 4,196 |
| Net loans and leases to deposits | 68.8331% | 4,023 |
| Net loans and leases to core deposits | 78.3286% | 3,549 |
| Total domestic deposits to total assets | 82.4394% | 3,951 |
| Equity capital to assets | 9.1790% | 4,602 |
| Core capital (leverage) ratio | 9.4037% | 4,219 |
| Tier 1 risk-based capital ratio | 14.2340% | 3,329 |
| Total risk-based capital ratio | 15.3231% | 3,341 |
| Memoranda: | ||
| Average total assets | $496,972,400 | 1,388 |
| Average earning assets | $462,885,400 | 1,371 |
| Average equity | $46,078,600 | 1,640 |
| Average total loans | $261,923,600 | 1,722 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,459 |
| Cost of funding earning assets | 0.2539% | 4,566 |
| Net interest margin | 3.3785% | 3,924 |
| Noninterest income to average assets | 0.8289% | 1,651 |
| Noninterest expense to average assets | 2.8728% | 2,734 |
| Loan and lease loss provision to assets | 0.0936% | 2,354 |
| Net operating income to assets | 1.0119% | 2,378 |
| Return on assets (ROA) | 1.0761% | 2,202 |
| Pretax return on assets | 1.0761% | 3,329 |
| Return on Equity (ROE) | 11.5775% | 1,465 |
| Retained earnings to average equity (ytd only) | 3.9800% | 3,476 |
| Net charge-offs to loans | 0.0436% | 2,772 |
| Credit loss provision to net charge-offs | 416.6667% | 815 |
| Earnings coverage of net charge-offs (x) | 49.2012% | 1,087 |
| Efficiency ratio | 72.2114% | 2,547 |
| Assets per employee ($millions) | 3.7749% | 4,355 |
| Cash dividends to net income (ytd only)* | 65.6226% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 3,019 |
| Loan loss allowance to noncurrent loans | 1,494.1964% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,287 |
| Noncurrent loans to loans | 0.0829% | 5,021 |
| Net loans and leases to total assets | 54.3764% | 4,464 |
| Net loans and leases to deposits | 67.0379% | 4,243 |
| Net loans and leases to core deposits | 75.0341% | 3,917 |
| Total domestic deposits to total assets | 81.1129% | 4,225 |
| Equity capital to assets | 9.5879% | 4,567 |
| Core capital (leverage) ratio | 9.2839% | 4,479 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,319 |
| Total risk-based capital ratio | 15.4960% | 3,360 |
| Memoranda: | ||
| Average total assets | $498,457,500 | 1,386 |
| Average earning assets | $464,657,500 | 1,371 |
| Average equity | $46,330,250 | 1,641 |
| Average total loans | $256,874,000 | 1,755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 4,583 |
| Cost of funding earning assets | 0.2521% | 4,638 |
| Net interest margin | 3.3490% | 4,061 |
| Noninterest income to average assets | 0.8159% | 1,656 |
| Noninterest expense to average assets | 2.8681% | 2,777 |
| Loan and lease loss provision to assets | 0.0798% | 2,542 |
| Net operating income to assets | 0.9908% | 2,431 |
| Return on assets (ROA) | 1.0778% | 2,179 |
| Pretax return on assets | 1.0778% | 3,291 |
| Return on Equity (ROE) | 11.7162% | 1,412 |
| Retained earnings to average equity (ytd only) | 4.0790% | 3,307 |
| Net charge-offs to loans | 0.0570% | 2,372 |
| Credit loss provision to net charge-offs | 277.7778% | 1,014 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,206 |
| Efficiency ratio | 72.8185% | 2,546 |
| Assets per employee ($millions) | 3.8028% | 4,260 |
| Cash dividends to net income (ytd only)* | 65.1852% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 3,257 |
| Loan loss allowance to noncurrent loans | 1,887.6471% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,449 |
| Noncurrent loans to loans | 0.0645% | 5,193 |
| Net loans and leases to total assets | 52.6538% | 4,619 |
| Net loans and leases to deposits | 65.2016% | 4,401 |
| Net loans and leases to core deposits | 72.5539% | 4,125 |
| Total domestic deposits to total assets | 80.7554% | 4,341 |
| Equity capital to assets | 9.4867% | 4,781 |
| Core capital (leverage) ratio | 8.9551% | 4,883 |
| Tier 1 risk-based capital ratio | 14.3070% | 3,429 |
| Total risk-based capital ratio | 15.3383% | 3,470 |
| Memoranda: | ||
| Average total assets | $501,032,330 | 1,382 |
| Average earning assets | $467,185,000 | 1,363 |
| Average equity | $46,090,000 | 1,647 |
| Average total loans | $252,435,330 | 1,783 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 4,817 |
| Cost of funding earning assets | 0.2449% | 4,753 |
| Net interest margin | 3.2840% | 4,289 |
| Noninterest income to average assets | 0.8153% | 1,573 |
| Noninterest expense to average assets | 2.8495% | 2,893 |
| Loan and lease loss provision to assets | 0.0595% | 2,765 |
| Net operating income to assets | 0.9691% | 2,418 |
| Return on assets (ROA) | 0.9771% | 2,498 |
| Pretax return on assets | 0.9771% | 3,562 |
| Return on Equity (ROE) | 10.7868% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.0819% | 3,973 |
| Net charge-offs to loans | 0.0405% | 2,191 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 51.8800% | 865 |
| Efficiency ratio | 73.4765% | 2,561 |
| Assets per employee ($millions) | 3.7865% | 4,326 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,442.8571% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,452 |
| Noncurrent loans to loans | 0.0879% | 5,122 |
| Net loans and leases to total assets | 48.3969% | 4,937 |
| Net loans and leases to deposits | 58.0924% | 4,847 |
| Net loans and leases to core deposits | 66.7719% | 4,485 |
| Total domestic deposits to total assets | 83.3102% | 3,787 |
| Equity capital to assets | 9.1668% | 5,024 |
| Core capital (leverage) ratio | 8.8706% | 4,998 |
| Tier 1 risk-based capital ratio | 14.7029% | 3,286 |
| Total risk-based capital ratio | 15.7508% | 3,331 |
| Memoranda: | ||
| Average total assets | $504,365,000 | 1,374 |
| Average earning assets | $470,399,500 | 1,349 |
| Average equity | $45,685,500 | 1,650 |
| Average total loans | $246,897,000 | 1,820 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 5,088 |
| Cost of funding earning assets | 0.2194% | 5,099 |
| Net interest margin | 3.2149% | 4,576 |
| Noninterest income to average assets | 0.9041% | 1,437 |
| Noninterest expense to average assets | 2.7695% | 3,352 |
| Loan and lease loss provision to assets | 0.0415% | 3,504 |
| Net operating income to assets | 1.0972% | 1,940 |
| Return on assets (ROA) | 1.1065% | 1,959 |
| Pretax return on assets | 1.1065% | 3,021 |
| Return on Equity (ROE) | 12.3619% | 1,219 |
| Retained earnings to average equity (ytd only) | 4.5667% | 2,730 |
| Net charge-offs to loans | 0.0264% | 3,705 |
| Credit loss provision to net charge-offs | 355.9322% | 837 |
| Earnings coverage of net charge-offs (x) | 97.6441% | 584 |
| Efficiency ratio | 70.8072% | 3,093 |
| Assets per employee ($millions) | 3.8558% | 4,198 |
| Cash dividends to net income (ytd only)* | 63.0582% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 3,188 |
| Loan loss allowance to noncurrent loans | 1,162.6415% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 5,463 |
| Noncurrent loans to loans | 0.1073% | 5,074 |
| Net loans and leases to total assets | 48.2775% | 4,992 |
| Net loans and leases to deposits | 59.2426% | 4,831 |
| Net loans and leases to core deposits | 66.4650% | 4,552 |
| Total domestic deposits to total assets | 81.4911% | 4,340 |
| Equity capital to assets | 8.9446% | 5,177 |
| Core capital (leverage) ratio | 8.8003% | 5,109 |
| Tier 1 risk-based capital ratio | 14.0180% | 3,704 |
| Total risk-based capital ratio | 15.0098% | 3,783 |
| Memoranda: | ||
| Average total assets | $505,909,400 | 1,329 |
| Average earning assets | $472,743,200 | 1,309 |
| Average equity | $45,284,400 | 1,630 |
| Average total loans | $223,224,400 | 1,902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,190 |
| Cost of funding earning assets | 0.2120% | 5,270 |
| Net interest margin | 3.1948% | 4,684 |
| Noninterest income to average assets | 0.9147% | 1,411 |
| Noninterest expense to average assets | 2.7598% | 3,345 |
| Loan and lease loss provision to assets | 0.0435% | 3,350 |
| Net operating income to assets | 1.1001% | 2,004 |
| Return on assets (ROA) | 1.1128% | 2,029 |
| Pretax return on assets | 1.1128% | 3,165 |
| Return on Equity (ROE) | 12.4295% | 1,261 |
| Retained earnings to average equity (ytd only) | 4.6316% | 3,178 |
| Net charge-offs to loans | 0.0282% | 3,378 |
| Credit loss provision to net charge-offs | 358.6957% | 825 |
| Earnings coverage of net charge-offs (x) | 94.3724% | 654 |
| Efficiency ratio | 70.6283% | 3,110 |
| Assets per employee ($millions) | 3.8744% | 4,129 |
| Cash dividends to net income (ytd only)* | 62.7368% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,757 |
| Loan loss allowance to noncurrent loans | 1,159.3156% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,563 |
| Noncurrent loans to loans | 0.1179% | 5,156 |
| Net loans and leases to total assets | 44.3800% | 5,333 |
| Net loans and leases to deposits | 53.3043% | 5,303 |
| Net loans and leases to core deposits | 59.1510% | 5,122 |
| Total domestic deposits to total assets | 83.2579% | 3,715 |
| Equity capital to assets | 9.2727% | 5,032 |
| Core capital (leverage) ratio | 8.7040% | 5,346 |
| Tier 1 risk-based capital ratio | 14.9701% | 3,308 |
| Total risk-based capital ratio | 16.0303% | 3,350 |
| Memoranda: | ||
| Average total assets | $506,109,500 | 1,331 |
| Average earning assets | $473,468,500 | 1,309 |
| Average equity | $45,310,500 | 1,638 |
| Average total loans | $217,296,750 | 1,949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 5,265 |
| Cost of funding earning assets | 0.2022% | 5,417 |
| Net interest margin | 3.1827% | 4,708 |
| Noninterest income to average assets | 0.8942% | 1,461 |
| Noninterest expense to average assets | 2.7270% | 3,502 |
| Loan and lease loss provision to assets | 0.0471% | 3,179 |
| Net operating income to assets | 1.0987% | 1,961 |
| Return on assets (ROA) | 1.1038% | 2,028 |
| Pretax return on assets | 1.1038% | 3,160 |
| Return on Equity (ROE) | 12.4741% | 1,235 |
| Retained earnings to average equity (ytd only) | 4.6223% | 3,097 |
| Net charge-offs to loans | 0.0353% | 2,966 |
| Credit loss provision to net charge-offs | 315.7895% | 900 |
| Earnings coverage of net charge-offs (x) | 76.8158% | 726 |
| Efficiency ratio | 70.3020% | 3,285 |
| Assets per employee ($millions) | 3.9819% | 3,922 |
| Cash dividends to net income (ytd only)* | 62.9445% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,725 |
| Loan loss allowance to noncurrent loans | 1,045.8333% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,635 |
| Noncurrent loans to loans | 0.1345% | 5,208 |
| Net loans and leases to total assets | 41.7546% | 5,518 |
| Net loans and leases to deposits | 51.0050% | 5,452 |
| Net loans and leases to core deposits | 55.3111% | 5,356 |
| Total domestic deposits to total assets | 81.8638% | 4,339 |
| Equity capital to assets | 8.9509% | 5,283 |
| Core capital (leverage) ratio | 8.5379% | 5,500 |
| Tier 1 risk-based capital ratio | 15.3106% | 3,193 |
| Total risk-based capital ratio | 16.3951% | 3,215 |
| Memoranda: | ||
| Average total assets | $509,503,330 | 1,334 |
| Average earning assets | $476,827,330 | 1,313 |
| Average equity | $45,085,330 | 1,651 |
| Average total loans | $215,348,330 | 1,971 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3538% | 5,319 |
| Cost of funding earning assets | 0.1984% | 5,532 |
| Net interest margin | 3.1555% | 4,767 |
| Noninterest income to average assets | 0.8338% | 1,591 |
| Noninterest expense to average assets | 2.7360% | 3,463 |
| Loan and lease loss provision to assets | 0.0469% | 2,993 |
| Net operating income to assets | 1.0121% | 2,205 |
| Return on assets (ROA) | 1.0074% | 2,372 |
| Pretax return on assets | 1.0074% | 3,464 |
| Return on Equity (ROE) | 11.4500% | 1,499 |
| Retained earnings to average equity (ytd only) | 3.5381% | 3,875 |
| Net charge-offs to loans | 0.0741% | 1,965 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 33.8500% | 1,074 |
| Efficiency ratio | 71.9909% | 3,171 |
| Assets per employee ($millions) | 3.9373% | 4,084 |
| Cash dividends to net income (ytd only)* | 69.0994% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 3,100 |
| Loan loss allowance to noncurrent loans | 407.4586% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,385 |
| Noncurrent loans to loans | 0.3338% | 4,592 |
| Net loans and leases to total assets | 42.1191% | 5,473 |
| Net loans and leases to deposits | 50.2559% | 5,445 |
| Net loans and leases to core deposits | 54.7606% | 5,326 |
| Total domestic deposits to total assets | 83.8092% | 3,885 |
| Equity capital to assets | 8.9627% | 5,338 |
| Core capital (leverage) ratio | 8.2865% | 5,745 |
| Tier 1 risk-based capital ratio | 15.0151% | 3,425 |
| Total risk-based capital ratio | 16.0729% | 3,464 |
| Memoranda: | ||
| Average total assets | $511,404,000 | 1,337 |
| Average earning assets | $479,929,000 | 1,315 |
| Average equity | $44,995,500 | 1,659 |
| Average total loans | $215,939,500 | 1,969 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 5,582 |
| Cost of funding earning assets | 0.1989% | 5,759 |
| Net interest margin | 3.1734% | 5,005 |
| Noninterest income to average assets | 0.8535% | 1,667 |
| Noninterest expense to average assets | 2.6795% | 3,943 |
| Loan and lease loss provision to assets | 0.0362% | 3,862 |
| Net operating income to assets | 1.1015% | 1,969 |
| Return on assets (ROA) | 1.1046% | 2,013 |
| Pretax return on assets | 1.1046% | 3,064 |
| Return on Equity (ROE) | 12.5501% | 1,254 |
| Retained earnings to average equity (ytd only) | 6.8061% | 1,493 |
| Net charge-offs to loans | -0.0240% | 5,741 |
| Credit loss provision to net charge-offs | -375.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0790% | 3,517 |
| Assets per employee ($millions) | 4.0543% | 3,821 |
| Cash dividends to net income (ytd only)* | 45.7689% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 3,124 |
| Loan loss allowance to noncurrent loans | 996.5986% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,788 |
| Noncurrent loans to loans | 0.1367% | 5,343 |
| Net loans and leases to total assets | 41.1872% | 5,677 |
| Net loans and leases to deposits | 49.5358% | 5,605 |
| Net loans and leases to core deposits | 53.2039% | 5,551 |
| Total domestic deposits to total assets | 83.1463% | 4,022 |
| Equity capital to assets | 8.6364% | 5,618 |
| Core capital (leverage) ratio | 8.3018% | 5,775 |
| Tier 1 risk-based capital ratio | 15.6076% | 3,184 |
| Total risk-based capital ratio | 16.7103% | 3,183 |
| Memoranda: | ||
| Average total assets | $497,483,800 | 1,337 |
| Average earning assets | $464,606,000 | 1,322 |
| Average equity | $43,784,400 | 1,649 |
| Average total loans | $199,599,000 | 2,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 5,626 |
| Cost of funding earning assets | 0.1997% | 5,834 |
| Net interest margin | 3.1792% | 5,031 |
| Noninterest income to average assets | 0.8582% | 1,668 |
| Noninterest expense to average assets | 2.7083% | 3,799 |
| Loan and lease loss provision to assets | 0.0406% | 3,598 |
| Net operating income to assets | 1.0750% | 2,136 |
| Return on assets (ROA) | 1.0791% | 2,180 |
| Pretax return on assets | 1.0791% | 3,269 |
| Return on Equity (ROE) | 12.2008% | 1,425 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,312 |
| Net charge-offs to loans | -0.0307% | 5,745 |
| Credit loss provision to net charge-offs | -333.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7134% | 3,384 |
| Assets per employee ($millions) | 3.9881% | 3,921 |
| Cash dividends to net income (ytd only)* | 61.7639% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 2,945 |
| Loan loss allowance to noncurrent loans | 888.6503% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 5,892 |
| Noncurrent loans to loans | 0.1631% | 5,421 |
| Net loans and leases to total assets | 39.1994% | 5,863 |
| Net loans and leases to deposits | 46.6016% | 5,839 |
| Net loans and leases to core deposits | 50.1263% | 5,781 |
| Total domestic deposits to total assets | 84.1160% | 3,715 |
| Equity capital to assets | 8.8707% | 5,491 |
| Core capital (leverage) ratio | 8.1540% | 5,967 |
| Tier 1 risk-based capital ratio | 15.7473% | 3,187 |
| Total risk-based capital ratio | 16.8875% | 3,179 |
| Memoranda: | ||
| Average total assets | $493,132,000 | 1,359 |
| Average earning assets | $460,016,250 | 1,345 |
| Average equity | $43,613,500 | 1,656 |
| Average total loans | $195,749,000 | 2,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 5,663 |
| Cost of funding earning assets | 0.2005% | 5,908 |
| Net interest margin | 3.1799% | 5,010 |
| Noninterest income to average assets | 0.8359% | 1,717 |
| Noninterest expense to average assets | 2.7379% | 3,738 |
| Loan and lease loss provision to assets | 0.0490% | 3,324 |
| Net operating income to assets | 1.0134% | 2,275 |
| Return on assets (ROA) | 1.0196% | 2,315 |
| Pretax return on assets | 1.0196% | 3,399 |
| Return on Equity (ROE) | 11.5400% | 1,566 |
| Retained earnings to average equity (ytd only) | 3.9406% | 3,673 |
| Net charge-offs to loans | -0.0381% | 5,766 |
| Credit loss provision to net charge-offs | -324.3243% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9257% | 3,358 |
| Assets per employee ($millions) | 3.9328% | 3,992 |
| Cash dividends to net income (ytd only)* | 65.8527% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 2,982 |
| Loan loss allowance to noncurrent loans | 654.2334% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 5,897 |
| Noncurrent loans to loans | 0.2266% | 5,321 |
| Net loans and leases to total assets | 38.3473% | 5,935 |
| Net loans and leases to deposits | 46.1833% | 5,876 |
| Net loans and leases to core deposits | 49.1477% | 5,840 |
| Total domestic deposits to total assets | 83.0328% | 4,295 |
| Equity capital to assets | 8.9411% | 5,371 |
| Core capital (leverage) ratio | 8.0835% | 6,033 |
| Tier 1 risk-based capital ratio | 15.9324% | 3,130 |
| Total risk-based capital ratio | 17.0904% | 3,114 |
| Memoranda: | ||
| Average total assets | $490,010,000 | 1,367 |
| Average earning assets | $456,811,670 | 1,344 |
| Average equity | $43,293,000 | 1,653 |
| Average total loans | $194,374,330 | 2,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3906% | 5,667 |
| Cost of funding earning assets | 0.1992% | 6,006 |
| Net interest margin | 3.1913% | 4,948 |
| Noninterest income to average assets | 0.8177% | 1,687 |
| Noninterest expense to average assets | 2.7452% | 3,778 |
| Loan and lease loss provision to assets | 0.0493% | 3,110 |
| Net operating income to assets | 0.9950% | 2,231 |
| Return on assets (ROA) | 1.0073% | 2,248 |
| Pretax return on assets | 1.0073% | 3,295 |
| Return on Equity (ROE) | 11.4709% | 1,553 |
| Retained earnings to average equity (ytd only) | 3.8049% | 3,844 |
| Net charge-offs to loans | -0.0820% | 6,045 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3354% | 3,426 |
| Assets per employee ($millions) | 3.7502% | 4,421 |
| Cash dividends to net income (ytd only)* | 66.8297% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 3,472 |
| Loan loss allowance to noncurrent loans | 565.1210% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 5,948 |
| Noncurrent loans to loans | 0.2526% | 5,346 |
| Net loans and leases to total assets | 39.0962% | 5,872 |
| Net loans and leases to deposits | 46.7492% | 5,805 |
| Net loans and leases to core deposits | 50.4119% | 5,731 |
| Total domestic deposits to total assets | 83.6297% | 4,409 |
| Equity capital to assets | 8.7189% | 5,432 |
| Core capital (leverage) ratio | 8.0655% | 6,072 |
| Tier 1 risk-based capital ratio | 15.6144% | 3,373 |
| Total risk-based capital ratio | 16.7401% | 3,403 |
| Memoranda: | ||
| Average total assets | $487,249,000 | 1,385 |
| Average earning assets | $453,730,000 | 1,363 |
| Average equity | $42,786,500 | 1,663 |
| Average total loans | $195,120,500 | 2,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 5,925 |
| Cost of funding earning assets | 0.2287% | 6,113 |
| Net interest margin | 3.1134% | 5,274 |
| Noninterest income to average assets | 0.8704% | 1,783 |
| Noninterest expense to average assets | 2.7379% | 3,961 |
| Loan and lease loss provision to assets | 0.0349% | 4,423 |
| Net operating income to assets | 0.9896% | 2,369 |
| Return on assets (ROA) | 1.0211% | 2,302 |
| Pretax return on assets | 1.0211% | 3,264 |
| Return on Equity (ROE) | 12.0476% | 1,404 |
| Retained earnings to average equity (ytd only) | 2.4100% | 4,532 |
| Net charge-offs to loans | 0.0511% | 4,504 |
| Credit loss provision to net charge-offs | 175.2577% | 1,305 |
| Earnings coverage of net charge-offs (x) | 51.4021% | 778 |
| Efficiency ratio | 72.6488% | 3,360 |
| Assets per employee ($millions) | 3.6882% | 4,508 |
| Cash dividends to net income (ytd only)* | 79.9960% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,684 |
| Loan loss allowance to noncurrent loans | 519.8077% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,988 |
| Noncurrent loans to loans | 0.2682% | 5,382 |
| Net loans and leases to total assets | 39.8769% | 5,976 |
| Net loans and leases to deposits | 47.6884% | 5,913 |
| Net loans and leases to core deposits | 51.4669% | 5,838 |
| Total domestic deposits to total assets | 83.6198% | 4,312 |
| Equity capital to assets | 8.8456% | 5,204 |
| Core capital (leverage) ratio | 8.1089% | 6,045 |
| Tier 1 risk-based capital ratio | 15.7150% | 3,244 |
| Total risk-based capital ratio | 16.8192% | 3,284 |
| Memoranda: | ||
| Average total assets | $486,649,200 | 1,363 |
| Average earning assets | $452,041,400 | 1,344 |
| Average equity | $41,244,600 | 1,696 |
| Average total loans | $189,966,000 | 2,102 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 6,039 |
| Cost of funding earning assets | 0.2355% | 6,187 |
| Net interest margin | 3.0801% | 5,378 |
| Noninterest income to average assets | 0.8667% | 1,867 |
| Noninterest expense to average assets | 2.7193% | 3,950 |
| Loan and lease loss provision to assets | 0.0300% | 4,406 |
| Net operating income to assets | 0.9767% | 2,481 |
| Return on assets (ROA) | 1.0184% | 2,390 |
| Pretax return on assets | 1.0184% | 3,430 |
| Return on Equity (ROE) | 12.1470% | 1,433 |
| Retained earnings to average equity (ytd only) | 1.8753% | 5,196 |
| Net charge-offs to loans | 0.0374% | 4,399 |
| Credit loss provision to net charge-offs | 207.5472% | 1,169 |
| Earnings coverage of net charge-offs (x) | 69.5897% | 669 |
| Efficiency ratio | 72.8645% | 3,250 |
| Assets per employee ($millions) | 3.6682% | 4,512 |
| Cash dividends to net income (ytd only)* | 84.5618% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,960 |
| Loan loss allowance to noncurrent loans | 426.5079% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 6,017 |
| Noncurrent loans to loans | 0.3249% | 5,414 |
| Net loans and leases to total assets | 40.0999% | 6,023 |
| Net loans and leases to deposits | 48.2049% | 5,948 |
| Net loans and leases to core deposits | 52.4380% | 5,864 |
| Total domestic deposits to total assets | 83.1864% | 4,505 |
| Equity capital to assets | 8.0452% | 6,121 |
| Core capital (leverage) ratio | 8.0791% | 6,169 |
| Tier 1 risk-based capital ratio | 15.6263% | 3,383 |
| Total risk-based capital ratio | 16.7300% | 3,436 |
| Memoranda: | ||
| Average total assets | $488,444,500 | 1,365 |
| Average earning assets | $453,434,250 | 1,349 |
| Average equity | $40,952,750 | 1,721 |
| Average total loans | $188,982,500 | 2,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2983% | 6,091 |
| Cost of funding earning assets | 0.2480% | 6,184 |
| Net interest margin | 3.0503% | 5,428 |
| Noninterest income to average assets | 0.8499% | 2,000 |
| Noninterest expense to average assets | 2.7130% | 3,984 |
| Loan and lease loss provision to assets | 0.0244% | 4,430 |
| Net operating income to assets | 0.9454% | 2,590 |
| Return on assets (ROA) | 0.9685% | 2,619 |
| Pretax return on assets | 0.9685% | 3,645 |
| Return on Equity (ROE) | 11.4025% | 1,681 |
| Retained earnings to average equity (ytd only) | 7.4566% | 1,689 |
| Net charge-offs to loans | 0.0171% | 4,499 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 149.1875% | 329 |
| Efficiency ratio | 73.5466% | 3,217 |
| Assets per employee ($millions) | 3.7357% | 4,331 |
| Cash dividends to net income (ytd only)* | 34.6057% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 3,974 |
| Loan loss allowance to noncurrent loans | 413.2921% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,092 |
| Noncurrent loans to loans | 0.3420% | 5,445 |
| Net loans and leases to total assets | 37.8249% | 6,188 |
| Net loans and leases to deposits | 47.5622% | 6,011 |
| Net loans and leases to core deposits | 50.9164% | 5,969 |
| Total domestic deposits to total assets | 79.5272% | 5,710 |
| Equity capital to assets | 8.0411% | 6,172 |
| Core capital (leverage) ratio | 8.0969% | 6,110 |
| Tier 1 risk-based capital ratio | 15.8877% | 3,266 |
| Total risk-based capital ratio | 16.9764% | 3,299 |
| Memoranda: | ||
| Average total assets | $492,303,000 | 1,354 |
| Average earning assets | $457,201,330 | 1,331 |
| Average equity | $41,815,330 | 1,691 |
| Average total loans | $187,339,670 | 2,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3098% | 6,139 |
| Cost of funding earning assets | 0.2655% | 6,190 |
| Net interest margin | 3.0443% | 5,451 |
| Noninterest income to average assets | 0.8490% | 1,932 |
| Noninterest expense to average assets | 2.7428% | 3,908 |
| Loan and lease loss provision to assets | 0.0244% | 4,164 |
| Net operating income to assets | 0.9067% | 2,612 |
| Return on assets (ROA) | 0.9417% | 2,610 |
| Pretax return on assets | 0.9417% | 3,608 |
| Return on Equity (ROE) | 10.7978% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.7978% | 915 |
| Net charge-offs to loans | 0.0172% | 3,811 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 143.1250% | 278 |
| Efficiency ratio | 74.5463% | 3,169 |
| Assets per employee ($millions) | 3.8134% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,169 |
| Loan loss allowance to noncurrent loans | 549.0683% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 6,297 |
| Noncurrent loans to loans | 0.2576% | 5,768 |
| Net loans and leases to total assets | 37.5826% | 6,176 |
| Net loans and leases to deposits | 46.8745% | 6,000 |
| Net loans and leases to core deposits | 50.9285% | 5,901 |
| Total domestic deposits to total assets | 80.1771% | 5,718 |
| Equity capital to assets | 8.7553% | 5,753 |
| Core capital (leverage) ratio | 8.1551% | 5,982 |
| Tier 1 risk-based capital ratio | 15.8157% | 3,364 |
| Total risk-based capital ratio | 16.9019% | 3,414 |
| Memoranda: | ||
| Average total assets | $491,901,000 | 1,371 |
| Average earning assets | $456,462,000 | 1,343 |
| Average equity | $42,897,500 | 1,670 |
| Average total loans | $186,414,000 | 2,156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 6,328 |
| Cost of funding earning assets | 0.3303% | 6,314 |
| Net interest margin | 3.1969% | 5,573 |
| Noninterest income to average assets | 0.9302% | 1,771 |
| Noninterest expense to average assets | 2.7845% | 4,088 |
| Loan and lease loss provision to assets | 0.0191% | 5,668 |
| Net operating income to assets | 1.0999% | 1,937 |
| Return on assets (ROA) | 1.1077% | 2,092 |
| Pretax return on assets | 1.1077% | 3,125 |
| Return on Equity (ROE) | 12.3911% | 1,390 |
| Retained earnings to average equity (ytd only) | 9.5475% | 687 |
| Net charge-offs to loans | 0.0340% | 5,441 |
| Credit loss provision to net charge-offs | 155.1724% | 1,738 |
| Earnings coverage of net charge-offs (x) | 91.0690% | 430 |
| Efficiency ratio | 71.2146% | 3,587 |
| Assets per employee ($millions) | 3.8130% | 4,344 |
| Cash dividends to net income (ytd only)* | 22.9489% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,076 |
| Loan loss allowance to noncurrent loans | 535.6415% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 6,060 |
| Noncurrent loans to loans | 0.2650% | 5,815 |
| Net loans and leases to total assets | 37.1369% | 6,361 |
| Net loans and leases to deposits | 46.2150% | 6,239 |
| Net loans and leases to core deposits | 49.5928% | 6,170 |
| Total domestic deposits to total assets | 80.3569% | 5,577 |
| Equity capital to assets | 8.6862% | 5,859 |
| Core capital (leverage) ratio | 8.1268% | 6,062 |
| Tier 1 risk-based capital ratio | 15.4992% | 3,424 |
| Total risk-based capital ratio | 16.5876% | 3,476 |
| Memoranda: | ||
| Average total assets | $472,047,600 | 1,402 |
| Average earning assets | $439,018,000 | 1,371 |
| Average equity | $42,199,600 | 1,650 |
| Average total loans | $170,355,200 | 2,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 6,422 |
| Cost of funding earning assets | 0.3486% | 6,382 |
| Net interest margin | 3.2262% | 5,630 |
| Noninterest income to average assets | 0.9660% | 1,615 |
| Noninterest expense to average assets | 2.8194% | 3,917 |
| Loan and lease loss provision to assets | 0.0257% | 5,463 |
| Net operating income to assets | 1.1295% | 1,982 |
| Return on assets (ROA) | 1.1312% | 2,174 |
| Pretax return on assets | 1.1312% | 3,227 |
| Return on Equity (ROE) | 12.5602% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.5602% | 432 |
| Net charge-offs to loans | 0.0312% | 5,207 |
| Credit loss provision to net charge-offs | 230.7692% | 1,199 |
| Earnings coverage of net charge-offs (x) | 103.7667% | 406 |
| Efficiency ratio | 70.8202% | 3,530 |
| Assets per employee ($millions) | 3.6436% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,639 |
| Loan loss allowance to noncurrent loans | 332.7889% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,027 |
| Noncurrent loans to loans | 0.4721% | 5,508 |
| Net loans and leases to total assets | 34.7706% | 6,622 |
| Net loans and leases to deposits | 45.1979% | 6,441 |
| Net loans and leases to core deposits | 48.4843% | 6,384 |
| Total domestic deposits to total assets | 76.9297% | 6,243 |
| Equity capital to assets | 9.3804% | 5,366 |
| Core capital (leverage) ratio | 8.0617% | 6,275 |
| Tier 1 risk-based capital ratio | 16.6406% | 2,923 |
| Total risk-based capital ratio | 17.8199% | 2,932 |
| Memoranda: | ||
| Average total assets | $467,091,500 | 1,431 |
| Average earning assets | $435,594,250 | 1,405 |
| Average equity | $42,068,250 | 1,671 |
| Average total loans | $166,620,000 | 2,377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 6,469 |
| Cost of funding earning assets | 0.3652% | 6,446 |
| Net interest margin | 3.2483% | 5,599 |
| Noninterest income to average assets | 0.9955% | 1,479 |
| Noninterest expense to average assets | 2.8321% | 3,900 |
| Loan and lease loss provision to assets | 0.0259% | 5,340 |
| Net operating income to assets | 1.1680% | 1,822 |
| Return on assets (ROA) | 1.1702% | 2,017 |
| Pretax return on assets | 1.1702% | 3,045 |
| Return on Equity (ROE) | 13.1807% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.1807% | 419 |
| Net charge-offs to loans | 0.0253% | 5,031 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | 131.8095% | 339 |
| Efficiency ratio | 70.2271% | 3,728 |
| Assets per employee ($millions) | 3.5976% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,788 |
| Loan loss allowance to noncurrent loans | 295.6278% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 6,042 |
| Noncurrent loans to loans | 0.5239% | 5,472 |
| Net loans and leases to total assets | 35.2977% | 6,650 |
| Net loans and leases to deposits | 45.4812% | 6,475 |
| Net loans and leases to core deposits | 48.6916% | 6,418 |
| Total domestic deposits to total assets | 77.6094% | 6,229 |
| Equity capital to assets | 9.0219% | 5,674 |
| Core capital (leverage) ratio | 7.8977% | 6,372 |
| Tier 1 risk-based capital ratio | 15.9554% | 3,186 |
| Total risk-based capital ratio | 17.1201% | 3,199 |
| Memoranda: | ||
| Average total assets | $463,684,000 | 1,438 |
| Average earning assets | $432,599,330 | 1,412 |
| Average equity | $41,166,330 | 1,698 |
| Average total loans | $165,955,330 | 2,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 6,513 |
| Cost of funding earning assets | 0.3860% | 6,480 |
| Net interest margin | 3.2617% | 5,604 |
| Noninterest income to average assets | 0.9762% | 1,496 |
| Noninterest expense to average assets | 2.8938% | 3,647 |
| Loan and lease loss provision to assets | 0.0262% | 5,024 |
| Net operating income to assets | 1.0959% | 2,105 |
| Return on assets (ROA) | 1.0976% | 2,290 |
| Pretax return on assets | 1.0976% | 3,332 |
| Return on Equity (ROE) | 12.4678% | 1,536 |
| Retained earnings to average equity (ytd only) | 12.4678% | 754 |
| Net charge-offs to loans | -0.0366% | 6,422 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9504% | 3,458 |
| Assets per employee ($millions) | 3.6267% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,760 |
| Loan loss allowance to noncurrent loans | 240.0545% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 6,039 |
| Noncurrent loans to loans | 0.6627% | 5,322 |
| Net loans and leases to total assets | 35.2176% | 6,676 |
| Net loans and leases to deposits | 44.8839% | 6,503 |
| Net loans and leases to core deposits | 48.7683% | 6,412 |
| Total domestic deposits to total assets | 78.4638% | 6,196 |
| Equity capital to assets | 8.7475% | 5,810 |
| Core capital (leverage) ratio | 7.7852% | 6,426 |
| Tier 1 risk-based capital ratio | 15.4633% | 3,467 |
| Total risk-based capital ratio | 16.6424% | 3,471 |
| Memoranda: | ||
| Average total assets | $458,087,000 | 1,457 |
| Average earning assets | $426,891,500 | 1,437 |
| Average equity | $40,328,000 | 1,720 |
| Average total loans | $163,804,000 | 2,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 6,452 |
| Cost of funding earning assets | 0.4822% | 6,607 |
| Net interest margin | 3.5179% | 5,082 |
| Noninterest income to average assets | 0.9986% | 1,372 |
| Noninterest expense to average assets | 3.0003% | 3,589 |
| Loan and lease loss provision to assets | 0.0414% | 6,060 |
| Net operating income to assets | 1.2261% | 1,442 |
| Return on assets (ROA) | 1.2309% | 1,530 |
| Pretax return on assets | 1.2309% | 2,348 |
| Return on Equity (ROE) | 14.0447% | 918 |
| Retained earnings to average equity (ytd only) | 5.3176% | 2,437 |
| Net charge-offs to loans | 0.1161% | 5,218 |
| Credit loss provision to net charge-offs | 97.8261% | 3,676 |
| Earnings coverage of net charge-offs (x) | 29.9457% | 846 |
| Efficiency ratio | 70.1827% | 3,906 |
| Assets per employee ($millions) | 3.4501% | 5,134 |
| Cash dividends to net income (ytd only)* | 62.1379% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,551 |
| Loan loss allowance to noncurrent loans | 232.1716% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 6,099 |
| Noncurrent loans to loans | 0.6930% | 5,314 |
| Net loans and leases to total assets | 35.1540% | 6,807 |
| Net loans and leases to deposits | 45.3625% | 6,657 |
| Net loans and leases to core deposits | 49.0458% | 6,589 |
| Total domestic deposits to total assets | 77.4958% | 6,272 |
| Equity capital to assets | 8.8612% | 5,719 |
| Core capital (leverage) ratio | 7.7182% | 6,524 |
| Tier 1 risk-based capital ratio | 15.3469% | 3,427 |
| Total risk-based capital ratio | 16.5406% | 3,417 |
| Memoranda: | ||
| Average total assets | $434,724,000 | 1,500 |
| Average earning assets | $403,988,600 | 1,473 |
| Average equity | $38,099,800 | 1,770 |
| Average total loans | $158,477,200 | 2,522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 6,495 |
| Cost of funding earning assets | 0.5006% | 6,691 |
| Net interest margin | 3.5553% | 4,960 |
| Noninterest income to average assets | 1.0198% | 1,297 |
| Noninterest expense to average assets | 3.0382% | 3,411 |
| Loan and lease loss provision to assets | 0.0558% | 5,747 |
| Net operating income to assets | 1.2301% | 1,576 |
| Return on assets (ROA) | 1.2335% | 1,666 |
| Pretax return on assets | 1.2335% | 2,511 |
| Return on Equity (ROE) | 14.1155% | 1,018 |
| Retained earnings to average equity (ytd only) | 2.3290% | 4,953 |
| Net charge-offs to loans | -0.0051% | 6,716 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1483% | 3,938 |
| Assets per employee ($millions) | 3.4338% | 5,157 |
| Cash dividends to net income (ytd only)* | 83.5007% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 3,016 |
| Loan loss allowance to noncurrent loans | 266.2846% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 6,224 |
| Noncurrent loans to loans | 0.6680% | 5,548 |
| Net loans and leases to total assets | 34.4897% | 6,928 |
| Net loans and leases to deposits | 44.6323% | 6,804 |
| Net loans and leases to core deposits | 48.3512% | 6,747 |
| Total domestic deposits to total assets | 77.2753% | 6,335 |
| Equity capital to assets | 9.2757% | 5,414 |
| Core capital (leverage) ratio | 7.4544% | 6,786 |
| Tier 1 risk-based capital ratio | 15.1528% | 3,578 |
| Total risk-based capital ratio | 16.4038% | 3,542 |
| Memoranda: | ||
| Average total assets | $430,415,000 | 1,528 |
| Average earning assets | $400,035,750 | 1,506 |
| Average equity | $37,612,500 | 1,795 |
| Average total loans | $157,726,500 | 2,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 6,490 |
| Cost of funding earning assets | 0.5143% | 6,800 |
| Net interest margin | 3.5876% | 4,764 |
| Noninterest income to average assets | 0.9984% | 1,322 |
| Noninterest expense to average assets | 3.0916% | 3,286 |
| Loan and lease loss provision to assets | 0.0847% | 5,251 |
| Net operating income to assets | 1.1536% | 1,707 |
| Return on assets (ROA) | 1.1536% | 1,786 |
| Pretax return on assets | 1.1536% | 2,660 |
| Return on Equity (ROE) | 13.4918% | 1,091 |
| Retained earnings to average equity (ytd only) | -0.8144% | 6,019 |
| Net charge-offs to loans | 0.0139% | 5,648 |
| Credit loss provision to net charge-offs | 1,636.3636% | 212 |
| Earnings coverage of net charge-offs (x) | 239.2727% | 145 |
| Efficiency ratio | 71.2811% | 3,883 |
| Assets per employee ($millions) | 3.1708% | 5,697 |
| Cash dividends to net income (ytd only)* | 106.0359% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,997 |
| Loan loss allowance to noncurrent loans | 247.1900% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 6,105 |
| Noncurrent loans to loans | 0.7275% | 5,458 |
| Net loans and leases to total assets | 34.8315% | 7,024 |
| Net loans and leases to deposits | 45.7712% | 6,838 |
| Net loans and leases to core deposits | 49.3324% | 6,793 |
| Total domestic deposits to total assets | 76.0992% | 6,587 |
| Equity capital to assets | 8.9866% | 5,595 |
| Core capital (leverage) ratio | 7.4540% | 6,775 |
| Tier 1 risk-based capital ratio | 15.1288% | 3,433 |
| Total risk-based capital ratio | 16.3797% | 3,399 |
| Memoranda: | ||
| Average total assets | $425,089,670 | 1,556 |
| Average earning assets | $394,746,670 | 1,532 |
| Average equity | $36,348,000 | 1,840 |
| Average total loans | $158,053,000 | 2,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 6,487 |
| Cost of funding earning assets | 0.5238% | 6,886 |
| Net interest margin | 3.5834% | 4,648 |
| Noninterest income to average assets | 0.9666% | 1,416 |
| Noninterest expense to average assets | 3.1054% | 3,225 |
| Loan and lease loss provision to assets | 0.0856% | 4,933 |
| Net operating income to assets | 1.1017% | 1,838 |
| Return on assets (ROA) | 1.1017% | 1,887 |
| Pretax return on assets | 1.1017% | 2,749 |
| Return on Equity (ROE) | 13.2332% | 1,142 |
| Retained earnings to average equity (ytd only) | -16.4786% | 7,081 |
| Net charge-offs to loans | 0.0100% | 4,958 |
| Credit loss provision to net charge-offs | 2,250.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 93 |
| Efficiency ratio | 72.2296% | 3,815 |
| Assets per employee ($millions) | 3.2369% | 5,625 |
| Cash dividends to net income (ytd only)* | 224.5250% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 3,367 |
| Loan loss allowance to noncurrent loans | 257.2249% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 6,189 |
| Noncurrent loans to loans | 0.6575% | 5,714 |
| Net loans and leases to total assets | 36.5681% | 6,977 |
| Net loans and leases to deposits | 47.9803% | 6,760 |
| Net loans and leases to core deposits | 51.7777% | 6,691 |
| Total domestic deposits to total assets | 76.2149% | 6,637 |
| Equity capital to assets | 8.0876% | 6,401 |
| Core capital (leverage) ratio | 6.9869% | 7,016 |
| Tier 1 risk-based capital ratio | 13.7012% | 4,281 |
| Total risk-based capital ratio | 14.9515% | 4,256 |
| Memoranda: | ||
| Average total assets | $420,433,000 | 1,585 |
| Average earning assets | $390,240,000 | 1,552 |
| Average equity | $35,003,000 | 1,896 |
| Average total loans | $160,039,500 | 2,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 6,154 |
| Cost of funding earning assets | 0.6237% | 7,073 |
| Net interest margin | 3.9614% | 3,207 |
| Noninterest income to average assets | 1.0906% | 1,257 |
| Noninterest expense to average assets | 3.4217% | 2,375 |
| Loan and lease loss provision to assets | 0.1272% | 5,890 |
| Net operating income to assets | 1.1831% | 1,450 |
| Return on assets (ROA) | 1.2200% | 1,440 |
| Pretax return on assets | 1.2200% | 2,159 |
| Return on Equity (ROE) | 13.2311% | 1,036 |
| Retained earnings to average equity (ytd only) | 2.0495% | 4,439 |
| Net charge-offs to loans | 0.3206% | 4,418 |
| Credit loss provision to net charge-offs | 93.0233% | 4,986 |
| Earnings coverage of net charge-offs (x) | 9.5814% | 1,804 |
| Efficiency ratio | 72.1855% | 3,753 |
| Assets per employee ($millions) | 3.1572% | 5,762 |
| Cash dividends to net income (ytd only)* | 84.5101% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 3,521 |
| Loan loss allowance to noncurrent loans | 231.7008% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 6,170 |
| Noncurrent loans to loans | 0.6969% | 5,656 |
| Net loans and leases to total assets | 38.3332% | 7,062 |
| Net loans and leases to deposits | 50.1464% | 6,849 |
| Net loans and leases to core deposits | 54.0827% | 6,810 |
| Total domestic deposits to total assets | 76.4424% | 6,578 |
| Equity capital to assets | 8.5712% | 5,760 |
| Core capital (leverage) ratio | 7.5833% | 6,633 |
| Tier 1 risk-based capital ratio | 14.3939% | 3,618 |
| Total risk-based capital ratio | 15.6390% | 3,574 |
| Memoranda: | ||
| Average total assets | $377,299,000 | 1,747 |
| Average earning assets | $346,823,600 | 1,724 |
| Average equity | $34,789,200 | 1,902 |
| Average total loans | $160,926,600 | 2,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 6,117 |
| Cost of funding earning assets | 0.6414% | 7,197 |
| Net interest margin | 4.0310% | 2,952 |
| Noninterest income to average assets | 1.1065% | 1,151 |
| Noninterest expense to average assets | 3.5021% | 2,029 |
| Loan and lease loss provision to assets | 0.1304% | 5,726 |
| Net operating income to assets | 1.1695% | 1,674 |
| Return on assets (ROA) | 1.2199% | 1,612 |
| Pretax return on assets | 1.2199% | 2,422 |
| Return on Equity (ROE) | 12.9733% | 1,258 |
| Retained earnings to average equity (ytd only) | -2.0063% | 6,201 |
| Net charge-offs to loans | 0.3829% | 3,764 |
| Credit loss provision to net charge-offs | 77.9221% | 5,197 |
| Earnings coverage of net charge-offs (x) | 7.7706% | 2,271 |
| Efficiency ratio | 72.8095% | 3,555 |
| Assets per employee ($millions) | 3.1164% | 5,887 |
| Cash dividends to net income (ytd only)* | 115.4645% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,531 |
| Loan loss allowance to noncurrent loans | 238.6129% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 6,328 |
| Noncurrent loans to loans | 0.6696% | 5,862 |
| Net loans and leases to total assets | 39.0029% | 7,129 |
| Net loans and leases to deposits | 51.2124% | 6,931 |
| Net loans and leases to core deposits | 55.6203% | 6,880 |
| Total domestic deposits to total assets | 76.1590% | 6,629 |
| Equity capital to assets | 8.6793% | 6,056 |
| Core capital (leverage) ratio | 7.1294% | 7,097 |
| Tier 1 risk-based capital ratio | 13.0275% | 4,558 |
| Total risk-based capital ratio | 14.2689% | 4,541 |
| Memoranda: | ||
| Average total assets | $368,225,000 | 1,801 |
| Average earning assets | $337,574,750 | 1,797 |
| Average equity | $34,624,000 | 1,937 |
| Average total loans | $160,871,750 | 2,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 5,928 |
| Cost of funding earning assets | 0.6616% | 7,275 |
| Net interest margin | 4.0989% | 2,562 |
| Noninterest income to average assets | 1.0735% | 1,167 |
| Noninterest expense to average assets | 3.5993% | 1,782 |
| Loan and lease loss provision to assets | 0.1345% | 5,545 |
| Net operating income to assets | 1.0853% | 1,905 |
| Return on assets (ROA) | 1.1620% | 1,728 |
| Pretax return on assets | 1.1620% | 2,547 |
| Return on Equity (ROE) | 12.0111% | 1,454 |
| Retained earnings to average equity (ytd only) | -0.3243% | 5,797 |
| Net charge-offs to loans | 0.5366% | 2,920 |
| Credit loss provision to net charge-offs | 55.4273% | 5,310 |
| Earnings coverage of net charge-offs (x) | 5.0277% | 2,774 |
| Efficiency ratio | 74.5611% | 3,355 |
| Assets per employee ($millions) | 2.7192% | 6,749 |
| Cash dividends to net income (ytd only)* | 102.7001% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,714 |
| Loan loss allowance to noncurrent loans | 70.3192% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,882 |
| Noncurrent loans to loans | 2.1894% | 3,492 |
| Net loans and leases to total assets | 42.2829% | 7,026 |
| Net loans and leases to deposits | 53.6904% | 6,883 |
| Net loans and leases to core deposits | 57.2131% | 6,877 |
| Total domestic deposits to total assets | 78.7532% | 6,100 |
| Equity capital to assets | 9.3219% | 4,975 |
| Core capital (leverage) ratio | 7.8120% | 6,479 |
| Tier 1 risk-based capital ratio | 13.6678% | 3,964 |
| Total risk-based capital ratio | 14.8975% | 3,938 |
| Memoranda: | ||
| Average total assets | $356,962,000 | 1,877 |
| Average earning assets | $326,186,000 | 1,865 |
| Average equity | $34,534,670 | 1,934 |
| Average total loans | $161,381,330 | 2,677 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 5,963 |
| Cost of funding earning assets | 0.6891% | 7,356 |
| Net interest margin | 4.0922% | 2,474 |
| Noninterest income to average assets | 1.0475% | 1,164 |
| Noninterest expense to average assets | 3.6105% | 1,709 |
| Loan and lease loss provision to assets | 0.1369% | 5,195 |
| Net operating income to assets | 1.0407% | 2,030 |
| Return on assets (ROA) | 1.0407% | 2,091 |
| Pretax return on assets | 1.0407% | 2,930 |
| Return on Equity (ROE) | 10.5540% | 1,922 |
| Retained earnings to average equity (ytd only) | 2.4533% | 4,661 |
| Net charge-offs to loans | 0.4525% | 2,690 |
| Credit loss provision to net charge-offs | 65.2174% | 4,198 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 2,361 |
| Efficiency ratio | 75.2860% | 3,349 |
| Assets per employee ($millions) | 2.5924% | 7,053 |
| Cash dividends to net income (ytd only)* | 76.7544% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,450 |
| Loan loss allowance to noncurrent loans | 211.6776% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 6,146 |
| Noncurrent loans to loans | 0.7552% | 5,816 |
| Net loans and leases to total assets | 44.9425% | 6,907 |
| Net loans and leases to deposits | 56.4366% | 6,739 |
| Net loans and leases to core deposits | 61.0939% | 6,667 |
| Total domestic deposits to total assets | 79.6336% | 5,906 |
| Equity capital to assets | 9.7967% | 4,113 |
| Core capital (leverage) ratio | 8.1298% | 6,023 |
| Tier 1 risk-based capital ratio | 13.9583% | 3,684 |
| Total risk-based capital ratio | 15.2092% | 3,645 |
| Memoranda: | ||
| Average total assets | $350,535,000 | 1,956 |
| Average earning assets | $320,414,000 | 1,945 |
| Average equity | $34,565,000 | 1,950 |
| Average total loans | $162,665,000 | 2,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 6,363 |
| Cost of funding earning assets | 0.9219% | 7,356 |
| Net interest margin | 4.1009% | 2,443 |
| Noninterest income to average assets | 1.1847% | 1,097 |
| Noninterest expense to average assets | 3.6377% | 2,064 |
| Loan and lease loss provision to assets | 0.2009% | 5,734 |
| Net operating income to assets | 1.1027% | 1,506 |
| Return on assets (ROA) | 1.1053% | 1,535 |
| Pretax return on assets | 1.1053% | 2,234 |
| Return on Equity (ROE) | 12.2479% | 1,100 |
| Retained earnings to average equity (ytd only) | 6.2861% | 1,235 |
| Net charge-offs to loans | 0.1625% | 5,654 |
| Credit loss provision to net charge-offs | 263.1579% | 1,334 |
| Earnings coverage of net charge-offs (x) | 17.0789% | 1,210 |
| Efficiency ratio | 73.4917% | 4,000 |
| Assets per employee ($millions) | 2.5625% | 7,103 |
| Cash dividends to net income (ytd only)* | 48.6760% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,264 |
| Loan loss allowance to noncurrent loans | 124.9053% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,940 |
| Noncurrent loans to loans | 1.2854% | 4,783 |
| Net loans and leases to total assets | 46.3886% | 6,940 |
| Net loans and leases to deposits | 58.1050% | 6,776 |
| Net loans and leases to core deposits | 70.2621% | 6,758 |
| Total domestic deposits to total assets | 79.8358% | 5,716 |
| Equity capital to assets | 9.9253% | 3,869 |
| Core capital (leverage) ratio | 8.1798% | 5,850 |
| Tier 1 risk-based capital ratio | 13.5758% | 3,777 |
| Total risk-based capital ratio | 14.8265% | 3,719 |
| Memoranda: | ||
| Average total assets | $348,517,800 | 1,955 |
| Average earning assets | $319,244,200 | 1,951 |
| Average equity | $31,450,400 | 2,128 |
| Average total loans | $163,646,200 | 2,707 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 6,416 |
| Cost of funding earning assets | 0.9646% | 7,457 |
| Net interest margin | 4.0962% | 2,412 |
| Noninterest income to average assets | 1.1913% | 1,094 |
| Noninterest expense to average assets | 3.6389% | 1,943 |
| Loan and lease loss provision to assets | 0.1989% | 5,401 |
| Net operating income to assets | 1.1033% | 1,722 |
| Return on assets (ROA) | 1.1060% | 1,774 |
| Pretax return on assets | 1.1106% | 2,532 |
| Return on Equity (ROE) | 12.5697% | 1,214 |
| Retained earnings to average equity (ytd only) | 4.4174% | 2,801 |
| Net charge-offs to loans | 0.1395% | 5,308 |
| Credit loss provision to net charge-offs | 304.0936% | 1,356 |
| Earnings coverage of net charge-offs (x) | 19.9770% | 1,257 |
| Efficiency ratio | 73.4530% | 3,966 |
| Assets per employee ($millions) | 2.5387% | 7,166 |
| Cash dividends to net income (ytd only)* | 64.8565% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,074 |
| Loan loss allowance to noncurrent loans | 194.8855% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 6,489 |
| Noncurrent loans to loans | 0.8109% | 5,682 |
| Net loans and leases to total assets | 46.0501% | 7,108 |
| Net loans and leases to deposits | 58.5275% | 6,934 |
| Net loans and leases to core deposits | 72.3508% | 6,823 |
| Total domestic deposits to total assets | 78.6811% | 5,900 |
| Equity capital to assets | 9.3185% | 5,004 |
| Core capital (leverage) ratio | 7.4083% | 7,072 |
| Tier 1 risk-based capital ratio | 12.5099% | 4,532 |
| Total risk-based capital ratio | 13.7603% | 4,487 |
| Memoranda: | ||
| Average total assets | $348,521,250 | 1,965 |
| Average earning assets | $319,441,250 | 1,964 |
| Average equity | $30,665,500 | 2,209 |
| Average total loans | $163,481,750 | 2,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 6,445 |
| Cost of funding earning assets | 1.0137% | 7,526 |
| Net interest margin | 4.0854% | 2,373 |
| Noninterest income to average assets | 1.2002% | 1,083 |
| Noninterest expense to average assets | 3.6321% | 1,998 |
| Loan and lease loss provision to assets | 0.1945% | 5,111 |
| Net operating income to assets | 1.1064% | 1,751 |
| Return on assets (ROA) | 1.1104% | 1,817 |
| Pretax return on assets | 1.1173% | 2,572 |
| Return on Equity (ROE) | 12.8701% | 1,207 |
| Retained earnings to average equity (ytd only) | 4.2834% | 2,917 |
| Net charge-offs to loans | 0.0914% | 5,273 |
| Credit loss provision to net charge-offs | 453.3333% | 1,027 |
| Earnings coverage of net charge-offs (x) | 30.4800% | 988 |
| Efficiency ratio | 73.3990% | 4,126 |
| Assets per employee ($millions) | 2.5392% | 7,176 |
| Cash dividends to net income (ytd only)* | 66.7182% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 3,215 |
| Loan loss allowance to noncurrent loans | 94.3829% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,534 |
| Noncurrent loans to loans | 1.5867% | 4,117 |
| Net loans and leases to total assets | 46.0313% | 7,188 |
| Net loans and leases to deposits | 60.2657% | 6,867 |
| Net loans and leases to core deposits | 73.2511% | 6,828 |
| Total domestic deposits to total assets | 76.3805% | 6,471 |
| Equity capital to assets | 8.5583% | 5,960 |
| Core capital (leverage) ratio | 7.1510% | 7,404 |
| Tier 1 risk-based capital ratio | 12.0885% | 4,840 |
| Total risk-based capital ratio | 13.3021% | 4,794 |
| Memoranda: | ||
| Average total assets | $349,608,000 | 1,979 |
| Average earning assets | $320,018,330 | 1,983 |
| Average equity | $30,163,000 | 2,250 |
| Average total loans | $164,127,000 | 2,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 6,451 |
| Cost of funding earning assets | 1.0782% | 7,548 |
| Net interest margin | 4.0807% | 2,354 |
| Noninterest income to average assets | 1.1853% | 1,036 |
| Noninterest expense to average assets | 3.4431% | 2,250 |
| Loan and lease loss provision to assets | 0.1839% | 4,601 |
| Net operating income to assets | 1.2819% | 1,426 |
| Return on assets (ROA) | 1.2876% | 1,508 |
| Pretax return on assets | 1.3014% | 2,280 |
| Return on Equity (ROE) | 14.8632% | 1,000 |
| Retained earnings to average equity (ytd only) | 5.2419% | 2,996 |
| Net charge-offs to loans | 0.0269% | 5,154 |
| Credit loss provision to net charge-offs | 1,454.5455% | 442 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 372 |
| Efficiency ratio | 69.8272% | 4,620 |
| Assets per employee ($millions) | 2.5460% | 7,189 |
| Cash dividends to net income (ytd only)* | 64.7321% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,462 |
| Loan loss allowance to noncurrent loans | 195.5943% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 6,414 |
| Noncurrent loans to loans | 0.7192% | 5,618 |
| Net loans and leases to total assets | 46.6035% | 7,145 |
| Net loans and leases to deposits | 59.0847% | 6,969 |
| Net loans and leases to core deposits | 73.5810% | 6,830 |
| Total domestic deposits to total assets | 78.8758% | 5,774 |
| Equity capital to assets | 8.5170% | 6,048 |
| Core capital (leverage) ratio | 7.1596% | 7,517 |
| Tier 1 risk-based capital ratio | 11.9464% | 5,006 |
| Total risk-based capital ratio | 13.1009% | 4,988 |
| Memoranda: | ||
| Average total assets | $347,939,500 | 1,997 |
| Average earning assets | $318,670,000 | 2,000 |
| Average equity | $30,141,500 | 2,264 |
| Average total loans | $163,723,000 | 2,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 7,027 |
| Cost of funding earning assets | 1.6802% | 7,303 |
| Net interest margin | 3.9311% | 3,442 |
| Noninterest income to average assets | 1.2490% | 949 |
| Noninterest expense to average assets | 3.5081% | 2,375 |
| Loan and lease loss provision to assets | 0.0939% | 6,189 |
| Net operating income to assets | 1.2268% | 1,696 |
| Return on assets (ROA) | 1.2988% | 1,439 |
| Pretax return on assets | 1.2991% | 2,316 |
| Return on Equity (ROE) | 15.9580% | 782 |
| Retained earnings to average equity (ytd only) | 4.1775% | 2,528 |
| Net charge-offs to loans | 0.1761% | 4,438 |
| Credit loss provision to net charge-offs | 116.3569% | 4,635 |
| Earnings coverage of net charge-offs (x) | 16.3643% | 1,847 |
| Efficiency ratio | 72.5764% | 3,832 |
| Assets per employee ($millions) | 2.5332% | 7,144 |
| Cash dividends to net income (ytd only)* | 73.8216% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 3,328 |
| Loan loss allowance to noncurrent loans | 173.1343% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,089 |
| Noncurrent loans to loans | 0.7948% | 5,052 |
| Net loans and leases to total assets | 46.1898% | 7,312 |
| Net loans and leases to deposits | 59.2001% | 7,142 |
| Net loans and leases to core deposits | 73.7294% | 6,984 |
| Total domestic deposits to total assets | 78.0231% | 5,704 |
| Equity capital to assets | 8.8138% | 5,628 |
| Core capital (leverage) ratio | 7.1874% | 7,532 |
| Tier 1 risk-based capital ratio | 12.1696% | 4,693 |
| Total risk-based capital ratio | 13.2896% | 4,675 |
| Memoranda: | ||
| Average total assets | $333,229,800 | 2,005 |
| Average earning assets | $303,481,200 | 2,013 |
| Average equity | $27,121,200 | 2,466 |
| Average total loans | $152,731,000 | 2,875 |