Home > First Southwest Bank > Performance and Condition Ratios
First Southwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 3,166 |
| Cost of funding earning assets | 0.9077% | 3,508 |
| Net interest margin | 3.5534% | 2,055 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.8050% | 1,479 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9225% | 2,480 |
| Return on assets (ROA) | 0.9225% | 2,450 |
| Pretax return on assets | 1.2392% | 2,032 |
| Return on Equity (ROE) | 5.7700% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.7701% | 2,333 |
| Net charge-offs to loans | 0.0629% | 1,225 |
| Credit loss provision to net charge-offs | 276.4706% | 1,009 |
| Earnings coverage of net charge-offs (x) | 41.2294% | 1,428 |
| Efficiency ratio | 67.7034% | 2,142 |
| Assets per employee ($millions) | 6.2243% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 1,769 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.3800% | 3,516 |
| Net loans and leases to deposits | 74.0313% | 2,613 |
| Net loans and leases to core deposits | 78.7099% | 2,786 |
| Total domestic deposits to total assets | 69.4000% | 4,310 |
| Equity capital to assets | 15.8425% | 478 |
| Core capital (leverage) ratio | 19.4332% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6348% | 174 |
| Memoranda: | ||
| Average total assets | $523,810,200 | 1,676 |
| Average earning assets | $490,269,400 | 1,663 |
| Average equity | $83,741,600 | 1,093 |
| Average total loans | $270,267,000 | 1,911 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 3,097 |
| Cost of funding earning assets | 0.8522% | 3,394 |
| Net interest margin | 3.5509% | 2,106 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.7944% | 1,444 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8378% | 2,908 |
| Return on assets (ROA) | 0.8378% | 2,884 |
| Pretax return on assets | 1.1254% | 2,489 |
| Return on Equity (ROE) | 5.2300% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.2282% | 2,867 |
| Net charge-offs to loans | 0.0835% | 890 |
| Credit loss provision to net charge-offs | 201.1976% | 1,118 |
| Earnings coverage of net charge-offs (x) | 28.1856% | 1,623 |
| Efficiency ratio | 69.7494% | 1,816 |
| Assets per employee ($millions) | 6.3939% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 1,790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.7700% | 3,513 |
| Net loans and leases to deposits | 74.3117% | 2,537 |
| Net loans and leases to core deposits | 79.0560% | 2,669 |
| Total domestic deposits to total assets | 69.6700% | 4,334 |
| Equity capital to assets | 15.9256% | 450 |
| Core capital (leverage) ratio | 19.9493% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5759% | 176 |
| Memoranda: | ||
| Average total assets | $517,829,250 | 1,691 |
| Average earning assets | $484,222,500 | 1,678 |
| Average equity | $82,983,250 | 1,096 |
| Average total loans | $266,558,000 | 1,928 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 3,010 |
| Cost of funding earning assets | 0.7848% | 3,252 |
| Net interest margin | 3.5593% | 2,131 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.7753% | 1,468 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6832% | 3,377 |
| Return on assets (ROA) | 0.6832% | 3,379 |
| Pretax return on assets | 0.9178% | 3,128 |
| Return on Equity (ROE) | 4.2500% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,142 |
| Net charge-offs to loans | 0.1000% | 681 |
| Credit loss provision to net charge-offs | 45.8647% | 1,688 |
| Earnings coverage of net charge-offs (x) | 18.3985% | 1,765 |
| Efficiency ratio | 74.6740% | 1,285 |
| Assets per employee ($millions) | 6.0919% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,214 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.5400% | 3,521 |
| Net loans and leases to deposits | 73.0224% | 2,578 |
| Net loans and leases to core deposits | 77.4365% | 2,662 |
| Total domestic deposits to total assets | 69.2200% | 4,376 |
| Equity capital to assets | 15.9026% | 456 |
| Core capital (leverage) ratio | 19.4091% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1903% | 164 |
| Memoranda: | ||
| Average total assets | $519,935,333 | 1,684 |
| Average earning assets | $487,229,000 | 1,667 |
| Average equity | $83,490,667 | 1,086 |
| Average total loans | $265,963,667 | 1,924 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 3,020 |
| Cost of funding earning assets | 0.6485% | 3,225 |
| Net interest margin | 3.5604% | 2,221 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.6095% | 1,921 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.6595% | 3,558 |
| Return on assets (ROA) | 0.6595% | 3,513 |
| Pretax return on assets | 0.8850% | 3,279 |
| Return on Equity (ROE) | 4.0900% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0872% | 3,251 |
| Net charge-offs to loans | 0.0136% | 1,444 |
| Credit loss provision to net charge-offs | 2,011.1111% | 196 |
| Earnings coverage of net charge-offs (x) | 147.4444% | 615 |
| Efficiency ratio | 71.8020% | 1,550 |
| Assets per employee ($millions) | 6.2518% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,976 |
| Loan loss allowance to noncurrent loans | 2,466.2069% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,503 |
| Noncurrent loans to loans | 0.0532% | 3,359 |
| Net loans and leases to total assets | 51.8200% | 3,356 |
| Net loans and leases to deposits | 73.7042% | 2,319 |
| Net loans and leases to core deposits | 77.8499% | 2,398 |
| Total domestic deposits to total assets | 70.3100% | 4,409 |
| Equity capital to assets | 16.1172% | 399 |
| Core capital (leverage) ratio | 19.3822% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7949% | 183 |
| Memoranda: | ||
| Average total assets | $517,949,500 | 1,708 |
| Average earning assets | $486,012,000 | 1,692 |
| Average equity | $83,578,500 | 1,100 |
| Average total loans | $264,879,500 | 1,950 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 2,918 |
| Cost of funding earning assets | 0.2369% | 3,440 |
| Net interest margin | 3.3213% | 2,508 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.6499% | 1,678 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7199% | 3,565 |
| Return on assets (ROA) | 0.7199% | 3,505 |
| Pretax return on assets | 0.9680% | 3,166 |
| Return on Equity (ROE) | 5.4800% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.5759% | 3,212 |
| Net charge-offs to loans | 0.0131% | 1,886 |
| Credit loss provision to net charge-offs | 843.3333% | 480 |
| Earnings coverage of net charge-offs (x) | 160.9000% | 754 |
| Efficiency ratio | 72.1771% | 1,424 |
| Assets per employee ($millions) | 6.4625% | 2,367 |
| Cash dividends to net income (ytd only)* | 16.4609% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,877 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.1200% | 3,575 |
| Net loans and leases to deposits | 67.1699% | 2,797 |
| Net loans and leases to core deposits | 70.0119% | 2,868 |
| Total domestic deposits to total assets | 73.1200% | 4,385 |
| Equity capital to assets | 16.1557% | 380 |
| Core capital (leverage) ratio | 20.2187% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1442% | 177 |
| Memoranda: | ||
| Average total assets | $472,541,800 | 1,793 |
| Average earning assets | $444,430,400 | 1,773 |
| Average equity | $62,108,000 | 1,365 |
| Average total loans | $228,699,600 | 2,062 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 2,832 |
| Cost of funding earning assets | 0.1927% | 3,362 |
| Net interest margin | 3.2385% | 2,503 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.6485% | 1,599 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6565% | 3,678 |
| Return on assets (ROA) | 0.6565% | 3,635 |
| Pretax return on assets | 0.8827% | 3,368 |
| Return on Equity (ROE) | 5.3400% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,437 |
| Net charge-offs to loans | -0.0024% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3330% | 1,242 |
| Assets per employee ($millions) | 5.9918% | 2,769 |
| Cash dividends to net income (ytd only)* | 24.6479% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,611 |
| Loan loss allowance to noncurrent loans | 1,716.4021% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,516 |
| Noncurrent loans to loans | 0.0815% | 3,296 |
| Net loans and leases to total assets | 47.7100% | 3,651 |
| Net loans and leases to deposits | 61.0150% | 3,108 |
| Net loans and leases to core deposits | 63.9632% | 3,122 |
| Total domestic deposits to total assets | 78.2000% | 4,243 |
| Equity capital to assets | 16.9854% | 322 |
| Core capital (leverage) ratio | 19.8561% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4268% | 146 |
| Memoranda: | ||
| Average total assets | $461,427,000 | 1,831 |
| Average earning assets | $433,734,250 | 1,813 |
| Average equity | $56,753,750 | 1,484 |
| Average total loans | $221,554,500 | 2,099 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2507% | 2,896 |
| Cost of funding earning assets | 0.1846% | 3,119 |
| Net interest margin | 3.0661% | 2,662 |
| Noninterest income to average assets | 0.5248% | 2,064 |
| Noninterest expense to average assets | 2.6066% | 1,621 |
| Loan and lease loss provision to assets | 0.0132% | 2,356 |
| Net operating income to assets | 0.5849% | 3,670 |
| Return on assets (ROA) | 0.5849% | 3,618 |
| Pretax return on assets | 0.7865% | 3,362 |
| Return on Equity (ROE) | 5.4892% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.1814% | 3,390 |
| Net charge-offs to loans | -0.0101% | 3,599 |
| Credit loss provision to net charge-offs | -272.7273% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5244% | 1,219 |
| Assets per employee ($millions) | 6.7498% | 2,118 |
| Cash dividends to net income (ytd only)* | 42.0420% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.0663% | 3,829 |
| Net loans and leases to deposits | 55.3773% | 3,430 |
| Net loans and leases to core deposits | 58.2555% | 3,410 |
| Total domestic deposits to total assets | 79.5747% | 4,260 |
| Equity capital to assets | 16.3946% | 307 |
| Core capital (leverage) ratio | 21.1154% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4647% | 116 |
| Memoranda: | ||
| Average total assets | $455,454,000 | 1,861 |
| Average earning assets | $428,036,000 | 1,850 |
| Average equity | $48,532,000 | 1,717 |
| Average total loans | $218,085,667 | 2,120 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1959% | 2,704 |
| Cost of funding earning assets | 0.1847% | 3,017 |
| Net interest margin | 3.0111% | 2,468 |
| Noninterest income to average assets | 0.5629% | 1,856 |
| Noninterest expense to average assets | 2.7483% | 1,261 |
| Loan and lease loss provision to assets | -0.1384% | 4,634 |
| Net operating income to assets | 0.6035% | 3,381 |
| Return on assets (ROA) | 0.6035% | 3,363 |
| Pretax return on assets | 0.8112% | 3,079 |
| Return on Equity (ROE) | 8.2126% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.8221% | 2,652 |
| Net charge-offs to loans | -0.0148% | 3,766 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3345% | 1,125 |
| Assets per employee ($millions) | 5.9240% | 2,874 |
| Cash dividends to net income (ytd only)* | 41.2844% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,797 |
| Loan loss allowance to noncurrent loans | 672.9730% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,099 |
| Noncurrent loans to loans | 0.2125% | 2,760 |
| Net loans and leases to total assets | 46.9867% | 3,488 |
| Net loans and leases to deposits | 52.8779% | 3,501 |
| Net loans and leases to core deposits | 56.0685% | 3,441 |
| Total domestic deposits to total assets | 88.8588% | 2,144 |
| Equity capital to assets | 6.6350% | 4,373 |
| Core capital (leverage) ratio | 7.8253% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0899% | 1,487 |
| Memoranda: | ||
| Average total assets | $433,437,000 | 1,932 |
| Average earning assets | $411,405,500 | 1,915 |
| Average equity | $31,853,500 | 2,393 |
| Average total loans | $215,490,000 | 2,131 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 1,829 |
| Cost of funding earning assets | 0.2372% | 3,069 |
| Net interest margin | 3.5797% | 1,522 |
| Noninterest income to average assets | 0.4551% | 2,792 |
| Noninterest expense to average assets | 2.8568% | 1,239 |
| Loan and lease loss provision to assets | 0.0238% | 2,592 |
| Net operating income to assets | 0.7241% | 3,557 |
| Return on assets (ROA) | 0.7241% | 3,621 |
| Pretax return on assets | 0.9732% | 3,335 |
| Return on Equity (ROE) | 8.7245% | 3,003 |
| Retained earnings to average equity (ytd only) | 5.4614% | 2,587 |
| Net charge-offs to loans | 0.0060% | 2,365 |
| Credit loss provision to net charge-offs | 714.2857% | 654 |
| Earnings coverage of net charge-offs (x) | 299.7857% | 413 |
| Efficiency ratio | 74.1293% | 1,287 |
| Assets per employee ($millions) | 5.5649% | 3,200 |
| Cash dividends to net income (ytd only)* | 37.4016% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,888 |
| Loan loss allowance to noncurrent loans | 684.9015% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 3,185 |
| Noncurrent loans to loans | 0.2058% | 2,926 |
| Net loans and leases to total assets | 51.0816% | 3,167 |
| Net loans and leases to deposits | 58.8220% | 3,184 |
| Net loans and leases to core deposits | 62.2772% | 3,135 |
| Total domestic deposits to total assets | 86.8409% | 2,573 |
| Equity capital to assets | 8.0796% | 4,319 |
| Core capital (leverage) ratio | 7.5462% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8275% | 1,572 |
| Memoranda: | ||
| Average total assets | $420,963,600 | 1,925 |
| Average earning assets | $399,667,000 | 1,907 |
| Average equity | $34,936,200 | 2,295 |
| Average total loans | $233,789,000 | 2,026 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 1,878 |
| Cost of funding earning assets | 0.2455% | 3,161 |
| Net interest margin | 3.6186% | 1,553 |
| Noninterest income to average assets | 0.3945% | 3,125 |
| Noninterest expense to average assets | 2.8026% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7623% | 3,619 |
| Return on assets (ROA) | 0.7623% | 3,682 |
| Pretax return on assets | 1.0251% | 3,383 |
| Return on Equity (ROE) | 9.1235% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.9249% | 2,858 |
| Net charge-offs to loans | 0.0073% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 247.8462% | 488 |
| Efficiency ratio | 73.2192% | 1,282 |
| Assets per employee ($millions) | 6.1094% | 2,578 |
| Cash dividends to net income (ytd only)* | 35.0584% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,247 |
| Loan loss allowance to noncurrent loans | 447.1976% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 2,269 |
| Noncurrent loans to loans | 0.3010% | 2,715 |
| Net loans and leases to total assets | 50.5137% | 3,349 |
| Net loans and leases to deposits | 58.0982% | 3,400 |
| Net loans and leases to core deposits | 61.3948% | 3,374 |
| Total domestic deposits to total assets | 86.9454% | 2,373 |
| Equity capital to assets | 8.1159% | 4,459 |
| Core capital (leverage) ratio | 7.5452% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2391% | 1,556 |
| Memoranda: | ||
| Average total assets | $419,079,250 | 1,949 |
| Average earning assets | $397,606,000 | 1,933 |
| Average equity | $35,015,000 | 2,321 |
| Average total loans | $236,732,500 | 2,047 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 1,616 |
| Cost of funding earning assets | 0.2543% | 3,247 |
| Net interest margin | 3.7261% | 1,280 |
| Noninterest income to average assets | 0.2994% | 3,638 |
| Noninterest expense to average assets | 2.8233% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7507% | 3,640 |
| Return on assets (ROA) | 0.7507% | 3,707 |
| Pretax return on assets | 1.0098% | 3,432 |
| Return on Equity (ROE) | 8.8942% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.6458% | 2,942 |
| Net charge-offs to loans | 0.0050% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 346.8333% | 339 |
| Efficiency ratio | 73.6549% | 1,272 |
| Assets per employee ($millions) | 5.6985% | 2,897 |
| Cash dividends to net income (ytd only)* | 36.5223% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,566 |
| Loan loss allowance to noncurrent loans | 1,496.5517% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,953 |
| Noncurrent loans to loans | 0.0851% | 3,760 |
| Net loans and leases to total assets | 55.1031% | 3,002 |
| Net loans and leases to deposits | 63.3578% | 3,067 |
| Net loans and leases to core deposits | 67.2844% | 3,011 |
| Total domestic deposits to total assets | 86.9713% | 2,336 |
| Equity capital to assets | 8.1982% | 4,432 |
| Core capital (leverage) ratio | 7.6648% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2652% | 1,539 |
| Memoranda: | ||
| Average total assets | $412,147,333 | 1,962 |
| Average earning assets | $390,864,333 | 1,951 |
| Average equity | $34,786,667 | 2,325 |
| Average total loans | $240,567,000 | 2,028 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 1,630 |
| Cost of funding earning assets | 0.2690% | 3,288 |
| Net interest margin | 3.7229% | 1,283 |
| Noninterest income to average assets | 0.2393% | 3,960 |
| Noninterest expense to average assets | 3.0159% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5607% | 4,041 |
| Return on assets (ROA) | 0.5607% | 4,088 |
| Pretax return on assets | 0.7535% | 3,906 |
| Return on Equity (ROE) | 6.5434% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.2544% | 3,703 |
| Net charge-offs to loans | 0.0265% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 47.6250% | 920 |
| Efficiency ratio | 80.0105% | 821 |
| Assets per employee ($millions) | 5.6373% | 2,981 |
| Cash dividends to net income (ytd only)* | 50.2646% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,383.1050% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,979 |
| Noncurrent loans to loans | 0.0888% | 3,859 |
| Net loans and leases to total assets | 59.2080% | 2,644 |
| Net loans and leases to deposits | 68.3740% | 2,658 |
| Net loans and leases to core deposits | 72.4791% | 2,660 |
| Total domestic deposits to total assets | 86.5942% | 2,485 |
| Equity capital to assets | 8.3339% | 4,249 |
| Core capital (leverage) ratio | 7.8047% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9505% | 1,583 |
| Memoranda: | ||
| Average total assets | $404,527,000 | 1,979 |
| Average earning assets | $383,576,500 | 1,958 |
| Average equity | $34,661,000 | 2,322 |
| Average total loans | $241,579,500 | 2,017 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 2,235 |
| Cost of funding earning assets | 0.3954% | 3,607 |
| Net interest margin | 3.7721% | 1,582 |
| Noninterest income to average assets | 0.4285% | 2,969 |
| Noninterest expense to average assets | 2.8092% | 1,918 |
| Loan and lease loss provision to assets | 0.0544% | 3,692 |
| Net operating income to assets | 0.8123% | 3,045 |
| Return on assets (ROA) | 0.8123% | 3,166 |
| Pretax return on assets | 1.0923% | 2,729 |
| Return on Equity (ROE) | 8.8056% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.2816% | 2,147 |
| Net charge-offs to loans | 0.0253% | 2,533 |
| Credit loss provision to net charge-offs | 327.8689% | 1,647 |
| Earnings coverage of net charge-offs (x) | 69.0984% | 984 |
| Efficiency ratio | 71.0130% | 1,808 |
| Assets per employee ($millions) | 5.2307% | 3,116 |
| Cash dividends to net income (ytd only)* | 40.0201% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,312.0690% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 2,998 |
| Noncurrent loans to loans | 0.0981% | 3,903 |
| Net loans and leases to total assets | 58.7203% | 3,009 |
| Net loans and leases to deposits | 69.1813% | 2,965 |
| Net loans and leases to core deposits | 73.8624% | 2,925 |
| Total domestic deposits to total assets | 84.8789% | 2,813 |
| Equity capital to assets | 8.8109% | 4,214 |
| Core capital (leverage) ratio | 7.8114% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3114% | 1,439 |
| Memoranda: | ||
| Average total assets | $367,579,800 | 1,968 |
| Average earning assets | $343,736,600 | 1,961 |
| Average equity | $33,910,200 | 2,293 |
| Average total loans | $241,099,000 | 1,963 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 2,596 |
| Cost of funding earning assets | 0.4132% | 3,743 |
| Net interest margin | 3.7145% | 1,898 |
| Noninterest income to average assets | 0.3684% | 3,250 |
| Noninterest expense to average assets | 2.8429% | 1,840 |
| Loan and lease loss provision to assets | 0.0741% | 3,392 |
| Net operating income to assets | 0.6791% | 3,525 |
| Return on assets (ROA) | 0.6791% | 3,636 |
| Pretax return on assets | 0.9131% | 3,344 |
| Return on Equity (ROE) | 7.2708% | 3,101 |
| Retained earnings to average equity (ytd only) | 3.6632% | 3,221 |
| Net charge-offs to loans | 0.0231% | 2,385 |
| Credit loss provision to net charge-offs | 476.1905% | 1,322 |
| Earnings coverage of net charge-offs (x) | 63.4762% | 1,061 |
| Efficiency ratio | 74.2266% | 1,385 |
| Assets per employee ($millions) | 5.2666% | 2,929 |
| Cash dividends to net income (ytd only)* | 49.6183% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,916 |
| Loan loss allowance to noncurrent loans | 692.9864% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 2,896 |
| Noncurrent loans to loans | 0.1668% | 3,714 |
| Net loans and leases to total assets | 66.3296% | 2,478 |
| Net loans and leases to deposits | 76.1390% | 2,737 |
| Net loans and leases to core deposits | 81.1594% | 2,738 |
| Total domestic deposits to total assets | 87.1165% | 1,618 |
| Equity capital to assets | 8.6434% | 4,374 |
| Core capital (leverage) ratio | 7.8503% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4303% | 1,682 |
| Memoranda: | ||
| Average total assets | $360,092,250 | 1,977 |
| Average earning assets | $335,575,250 | 1,977 |
| Average equity | $33,631,250 | 2,296 |
| Average total loans | $242,255,000 | 1,961 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 2,488 |
| Cost of funding earning assets | 0.4455% | 3,814 |
| Net interest margin | 3.8488% | 1,695 |
| Noninterest income to average assets | 0.3645% | 3,299 |
| Noninterest expense to average assets | 2.9232% | 1,775 |
| Loan and lease loss provision to assets | 0.1073% | 2,934 |
| Net operating income to assets | 0.6801% | 3,465 |
| Return on assets (ROA) | 0.6801% | 3,570 |
| Pretax return on assets | 0.9143% | 3,272 |
| Return on Equity (ROE) | 7.0828% | 3,100 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,133 |
| Net charge-offs to loans | 0.0307% | 2,110 |
| Credit loss provision to net charge-offs | 519.4444% | 1,200 |
| Earnings coverage of net charge-offs (x) | 49.4444% | 1,110 |
| Efficiency ratio | 74.1016% | 1,454 |
| Assets per employee ($millions) | 4.9475% | 3,241 |
| Cash dividends to net income (ytd only)* | 49.3671% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,799 |
| Loan loss allowance to noncurrent loans | 1,107.2464% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,164 |
| Noncurrent loans to loans | 0.1035% | 4,037 |
| Net loans and leases to total assets | 69.1779% | 2,161 |
| Net loans and leases to deposits | 79.7343% | 2,458 |
| Net loans and leases to core deposits | 85.0959% | 2,514 |
| Total domestic deposits to total assets | 86.7606% | 1,712 |
| Equity capital to assets | 8.8702% | 4,196 |
| Core capital (leverage) ratio | 8.1792% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1014% | 1,768 |
| Memoranda: | ||
| Average total assets | $348,458,333 | 2,006 |
| Average earning assets | $324,153,667 | 2,004 |
| Average equity | $33,461,333 | 2,292 |
| Average total loans | $234,653,000 | 1,986 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 2,342 |
| Cost of funding earning assets | 0.4987% | 3,952 |
| Net interest margin | 3.9895% | 1,421 |
| Noninterest income to average assets | 0.4407% | 2,843 |
| Noninterest expense to average assets | 3.0042% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8441% | 2,738 |
| Return on assets (ROA) | 0.8441% | 2,825 |
| Pretax return on assets | 1.1354% | 2,412 |
| Return on Equity (ROE) | 8.4214% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.8775% | 2,333 |
| Net charge-offs to loans | 0.0658% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 26.1944% | 1,262 |
| Efficiency ratio | 72.5713% | 1,994 |
| Assets per employee ($millions) | 4.4192% | 3,380 |
| Cash dividends to net income (ytd only)* | 42.0827% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,029 |
| Loan loss allowance to noncurrent loans | 1,517.9894% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,224 |
| Noncurrent loans to loans | 0.0873% | 4,162 |
| Net loans and leases to total assets | 64.4820% | 3,005 |
| Net loans and leases to deposits | 75.1270% | 3,161 |
| Net loans and leases to core deposits | 81.0632% | 3,103 |
| Total domestic deposits to total assets | 85.8306% | 2,071 |
| Equity capital to assets | 10.0984% | 3,691 |
| Core capital (leverage) ratio | 8.8642% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5108% | 1,754 |
| Memoranda: | ||
| Average total assets | $332,207,000 | 2,031 |
| Average earning assets | $308,009,000 | 2,036 |
| Average equity | $33,296,000 | 2,288 |
| Average total loans | $218,681,000 | 2,055 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,174 |
| Cost of funding earning assets | 0.5376% | 3,935 |
| Net interest margin | 4.2203% | 1,279 |
| Noninterest income to average assets | 0.5113% | 2,667 |
| Noninterest expense to average assets | 3.1820% | 1,563 |
| Loan and lease loss provision to assets | 0.0251% | 3,515 |
| Net operating income to assets | 0.9743% | 2,931 |
| Return on assets (ROA) | 0.9743% | 3,018 |
| Pretax return on assets | 1.2004% | 2,843 |
| Return on Equity (ROE) | 9.6864% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.7232% | 2,020 |
| Net charge-offs to loans | 0.0540% | 2,330 |
| Credit loss provision to net charge-offs | 67.7966% | 2,941 |
| Earnings coverage of net charge-offs (x) | 33.0847% | 1,479 |
| Efficiency ratio | 72.1957% | 1,843 |
| Assets per employee ($millions) | 4.5613% | 3,136 |
| Cash dividends to net income (ytd only)* | 40.9149% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,852 |
| Loan loss allowance to noncurrent loans | 1,431.0345% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 2,372 |
| Noncurrent loans to loans | 0.0919% | 4,157 |
| Net loans and leases to total assets | 65.4312% | 3,021 |
| Net loans and leases to deposits | 77.0620% | 3,088 |
| Net loans and leases to core deposits | 82.4387% | 3,087 |
| Total domestic deposits to total assets | 84.9072% | 2,530 |
| Equity capital to assets | 9.9473% | 3,969 |
| Core capital (leverage) ratio | 8.9168% | 4,586 |
| Tier 1 risk-based capital ratio | 14.0002% | 3,275 |
| Total risk-based capital ratio | 15.2526% | 3,178 |
| Memoranda: | ||
| Average total assets | $318,573,600 | 2,052 |
| Average earning assets | $294,103,800 | 2,065 |
| Average equity | $32,044,800 | 2,298 |
| Average total loans | $218,702,800 | 2,037 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 2,202 |
| Cost of funding earning assets | 0.5311% | 4,017 |
| Net interest margin | 4.2425% | 1,275 |
| Noninterest income to average assets | 0.4352% | 3,104 |
| Noninterest expense to average assets | 3.2302% | 1,411 |
| Loan and lease loss provision to assets | 0.0339% | 3,226 |
| Net operating income to assets | 0.9186% | 3,275 |
| Return on assets (ROA) | 0.9186% | 3,359 |
| Pretax return on assets | 1.0870% | 3,334 |
| Return on Equity (ROE) | 9.1053% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.0981% | 2,847 |
| Net charge-offs to loans | 0.1222% | 1,283 |
| Credit loss provision to net charge-offs | 40.0000% | 2,857 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 2,309 |
| Efficiency ratio | 74.2387% | 1,530 |
| Assets per employee ($millions) | 4.8065% | 2,783 |
| Cash dividends to net income (ytd only)* | 44.0092% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,008 |
| Loan loss allowance to noncurrent loans | 245.3913% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,730 |
| Noncurrent loans to loans | 0.5259% | 2,713 |
| Net loans and leases to total assets | 65.0855% | 3,168 |
| Net loans and leases to deposits | 75.4591% | 3,346 |
| Net loans and leases to core deposits | 80.8646% | 3,323 |
| Total domestic deposits to total assets | 86.2527% | 1,884 |
| Equity capital to assets | 9.7916% | 4,218 |
| Core capital (leverage) ratio | 8.8319% | 4,759 |
| Tier 1 risk-based capital ratio | 13.7955% | 3,426 |
| Total risk-based capital ratio | 15.0473% | 3,336 |
| Memoranda: | ||
| Average total assets | $314,973,500 | 2,081 |
| Average earning assets | $290,736,250 | 2,098 |
| Average equity | $31,775,500 | 2,324 |
| Average total loans | $218,185,000 | 2,055 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 2,236 |
| Cost of funding earning assets | 0.5230% | 4,017 |
| Net interest margin | 4.2237% | 1,305 |
| Noninterest income to average assets | 0.4279% | 3,083 |
| Noninterest expense to average assets | 3.2965% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9385% | 3,137 |
| Return on assets (ROA) | 0.9385% | 3,203 |
| Pretax return on assets | 1.0361% | 3,428 |
| Return on Equity (ROE) | 9.2066% | 2,774 |
| Retained earnings to average equity (ytd only) | 5.1486% | 2,696 |
| Net charge-offs to loans | 0.1101% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.3583% | 2,105 |
| Efficiency ratio | 76.0853% | 1,389 |
| Assets per employee ($millions) | 4.7245% | 2,838 |
| Cash dividends to net income (ytd only)* | 44.0771% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,879 |
| Loan loss allowance to noncurrent loans | 190.7432% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,699 |
| Noncurrent loans to loans | 0.6985% | 2,230 |
| Net loans and leases to total assets | 65.0718% | 3,229 |
| Net loans and leases to deposits | 75.1802% | 3,408 |
| Net loans and leases to core deposits | 80.4482% | 3,389 |
| Total domestic deposits to total assets | 86.5545% | 1,796 |
| Equity capital to assets | 9.9745% | 3,992 |
| Core capital (leverage) ratio | 8.9618% | 4,655 |
| Tier 1 risk-based capital ratio | 14.2769% | 3,174 |
| Total risk-based capital ratio | 15.5296% | 3,092 |
| Memoranda: | ||
| Average total assets | $309,414,670 | 2,121 |
| Average earning assets | $286,055,000 | 2,128 |
| Average equity | $31,542,670 | 2,333 |
| Average total loans | $218,020,670 | 2,058 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 1,900 |
| Cost of funding earning assets | 0.5053% | 4,034 |
| Net interest margin | 4.2944% | 1,105 |
| Noninterest income to average assets | 0.3440% | 3,561 |
| Noninterest expense to average assets | 3.3267% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7223% | 3,866 |
| Return on assets (ROA) | 0.7223% | 3,913 |
| Pretax return on assets | 0.9714% | 3,538 |
| Return on Equity (ROE) | 7.0051% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.8506% | 3,795 |
| Net charge-offs to loans | 0.0887% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 15.0408% | 1,761 |
| Efficiency ratio | 77.3996% | 1,339 |
| Assets per employee ($millions) | 4.7368% | 2,865 |
| Cash dividends to net income (ytd only)* | 59.3066% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 1,881 |
| Loan loss allowance to noncurrent loans | 200.0692% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 1,509 |
| Noncurrent loans to loans | 0.6737% | 2,329 |
| Net loans and leases to total assets | 69.8491% | 2,506 |
| Net loans and leases to deposits | 80.4513% | 2,789 |
| Net loans and leases to core deposits | 86.7288% | 2,800 |
| Total domestic deposits to total assets | 86.8216% | 1,899 |
| Equity capital to assets | 10.3650% | 3,458 |
| Core capital (leverage) ratio | 9.2153% | 4,455 |
| Tier 1 risk-based capital ratio | 13.8430% | 3,430 |
| Total risk-based capital ratio | 15.0956% | 3,339 |
| Memoranda: | ||
| Average total assets | $303,488,000 | 2,183 |
| Average earning assets | $279,432,500 | 2,181 |
| Average equity | $31,291,500 | 2,342 |
| Average total loans | $221,092,000 | 2,061 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,930 |
| Cost of funding earning assets | 0.3279% | 4,425 |
| Net interest margin | 4.3430% | 1,057 |
| Noninterest income to average assets | 0.6884% | 1,891 |
| Noninterest expense to average assets | 3.5196% | 974 |
| Loan and lease loss provision to assets | 0.0034% | 4,039 |
| Net operating income to assets | 0.8466% | 3,621 |
| Return on assets (ROA) | 0.8466% | 3,619 |
| Pretax return on assets | 1.1382% | 3,140 |
| Return on Equity (ROE) | 8.3153% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.2004% | 3,242 |
| Net charge-offs to loans | 0.0212% | 3,001 |
| Credit loss provision to net charge-offs | 21.7391% | 3,392 |
| Earnings coverage of net charge-offs (x) | 74.0435% | 905 |
| Efficiency ratio | 75.5087% | 1,427 |
| Assets per employee ($millions) | 4.4032% | 3,302 |
| Cash dividends to net income (ytd only)* | 49.4854% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,073 |
| Loan loss allowance to noncurrent loans | 231.0047% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,590 |
| Noncurrent loans to loans | 0.5599% | 2,593 |
| Net loans and leases to total assets | 73.9241% | 1,946 |
| Net loans and leases to deposits | 86.7887% | 2,181 |
| Net loans and leases to core deposits | 92.8022% | 2,342 |
| Total domestic deposits to total assets | 85.1771% | 2,571 |
| Equity capital to assets | 10.2564% | 3,423 |
| Core capital (leverage) ratio | 9.1270% | 4,535 |
| Tier 1 risk-based capital ratio | 12.9308% | 3,886 |
| Total risk-based capital ratio | 14.1832% | 3,770 |
| Memoranda: | ||
| Average total assets | $298,356,800 | 2,174 |
| Average earning assets | $272,922,600 | 2,177 |
| Average equity | $30,377,800 | 2,314 |
| Average total loans | $217,307,000 | 2,046 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,949 |
| Cost of funding earning assets | 0.2965% | 4,546 |
| Net interest margin | 4.3131% | 1,087 |
| Noninterest income to average assets | 0.6936% | 1,889 |
| Noninterest expense to average assets | 3.5210% | 960 |
| Loan and lease loss provision to assets | 0.0045% | 3,882 |
| Net operating income to assets | 0.8274% | 3,816 |
| Return on assets (ROA) | 0.8274% | 3,826 |
| Pretax return on assets | 1.1125% | 3,347 |
| Return on Equity (ROE) | 8.1415% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,779 |
| Net charge-offs to loans | 0.0143% | 2,913 |
| Credit loss provision to net charge-offs | 43.4783% | 2,875 |
| Earnings coverage of net charge-offs (x) | 108.1594% | 712 |
| Efficiency ratio | 75.9171% | 1,363 |
| Assets per employee ($millions) | 4.5052% | 3,120 |
| Cash dividends to net income (ytd only)* | 51.0038% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 1,924 |
| Loan loss allowance to noncurrent loans | 2,196.2963% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.5473% | 2,551 |
| Noncurrent loans to loans | 0.0609% | 4,617 |
| Net loans and leases to total assets | 72.4564% | 2,258 |
| Net loans and leases to deposits | 85.5472% | 2,414 |
| Net loans and leases to core deposits | 90.8558% | 2,577 |
| Total domestic deposits to total assets | 84.6976% | 2,722 |
| Equity capital to assets | 10.1879% | 3,462 |
| Core capital (leverage) ratio | 9.0564% | 4,654 |
| Tier 1 risk-based capital ratio | 13.1100% | 3,843 |
| Total risk-based capital ratio | 14.3635% | 3,748 |
| Memoranda: | ||
| Average total assets | $296,990,750 | 2,184 |
| Average earning assets | $271,598,500 | 2,197 |
| Average equity | $30,182,000 | 2,332 |
| Average total loans | $214,748,750 | 2,071 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,062 |
| Cost of funding earning assets | 0.2744% | 4,607 |
| Net interest margin | 4.2366% | 1,200 |
| Noninterest income to average assets | 0.7164% | 1,809 |
| Noninterest expense to average assets | 3.6002% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7401% | 4,069 |
| Return on assets (ROA) | 0.7401% | 4,069 |
| Pretax return on assets | 0.9947% | 3,682 |
| Return on Equity (ROE) | 7.2886% | 3,796 |
| Retained earnings to average equity (ytd only) | 3.0875% | 4,018 |
| Net charge-offs to loans | 0.0151% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 91.8125% | 738 |
| Efficiency ratio | 78.3525% | 1,170 |
| Assets per employee ($millions) | 4.2720% | 3,464 |
| Cash dividends to net income (ytd only)* | 57.6395% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,885 |
| Loan loss allowance to noncurrent loans | 958.8997% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 2,293 |
| Noncurrent loans to loans | 0.1421% | 4,260 |
| Net loans and leases to total assets | 71.7121% | 2,322 |
| Net loans and leases to deposits | 82.7106% | 2,692 |
| Net loans and leases to core deposits | 87.7770% | 2,742 |
| Total domestic deposits to total assets | 86.7024% | 1,970 |
| Equity capital to assets | 10.1298% | 3,507 |
| Core capital (leverage) ratio | 9.1033% | 4,587 |
| Tier 1 risk-based capital ratio | 13.0050% | 3,891 |
| Total risk-based capital ratio | 14.2586% | 3,807 |
| Memoranda: | ||
| Average total assets | $295,371,330 | 2,198 |
| Average earning assets | $270,402,330 | 2,207 |
| Average equity | $29,992,000 | 2,352 |
| Average total loans | $212,440,330 | 2,091 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 1,859 |
| Cost of funding earning assets | 0.2628% | 4,633 |
| Net interest margin | 4.2373% | 1,084 |
| Noninterest income to average assets | 0.5791% | 2,369 |
| Noninterest expense to average assets | 3.6820% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5682% | 4,523 |
| Return on assets (ROA) | 0.5682% | 4,525 |
| Pretax return on assets | 0.7645% | 4,242 |
| Return on Equity (ROE) | 5.5894% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.3002% | 4,545 |
| Net charge-offs to loans | 0.0438% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 24.3913% | 1,359 |
| Efficiency ratio | 82.8072% | 877 |
| Assets per employee ($millions) | 4.0261% | 3,934 |
| Cash dividends to net income (ytd only)* | 76.7386% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,762 |
| Loan loss allowance to noncurrent loans | 11,365.3846% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 2,572 |
| Noncurrent loans to loans | 0.0125% | 4,945 |
| Net loans and leases to total assets | 70.7393% | 2,368 |
| Net loans and leases to deposits | 81.1318% | 2,683 |
| Net loans and leases to core deposits | 86.2281% | 2,786 |
| Total domestic deposits to total assets | 87.1906% | 2,050 |
| Equity capital to assets | 10.3125% | 3,265 |
| Core capital (leverage) ratio | 8.9785% | 4,698 |
| Tier 1 risk-based capital ratio | 13.4612% | 3,682 |
| Total risk-based capital ratio | 14.7154% | 3,595 |
| Memoranda: | ||
| Average total assets | $293,537,500 | 2,231 |
| Average earning assets | $267,904,000 | 2,250 |
| Average equity | $29,842,000 | 2,380 |
| Average total loans | $209,955,500 | 2,115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,781 |
| Cost of funding earning assets | 0.2816% | 4,304 |
| Net interest margin | 4.1983% | 1,189 |
| Noninterest income to average assets | 0.7079% | 1,925 |
| Noninterest expense to average assets | 3.4593% | 1,108 |
| Loan and lease loss provision to assets | 0.0423% | 3,402 |
| Net operating income to assets | 0.6114% | 3,961 |
| Return on assets (ROA) | 0.6114% | 4,000 |
| Pretax return on assets | 0.9862% | 3,632 |
| Return on Equity (ROE) | 6.1684% | 3,691 |
| Retained earnings to average equity (ytd only) | 3.3506% | 3,289 |
| Net charge-offs to loans | -0.0401% | 5,129 |
| Credit loss provision to net charge-offs | -148.8095% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0821% | 1,471 |
| Assets per employee ($millions) | 4.0161% | 3,931 |
| Cash dividends to net income (ytd only)* | 45.6811% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,742 |
| Loan loss allowance to noncurrent loans | 3,384.0909% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 2,557 |
| Noncurrent loans to loans | 0.0415% | 4,814 |
| Net loans and leases to total assets | 70.2969% | 2,482 |
| Net loans and leases to deposits | 81.0430% | 2,812 |
| Net loans and leases to core deposits | 86.8109% | 2,845 |
| Total domestic deposits to total assets | 86.7404% | 2,122 |
| Equity capital to assets | 10.0237% | 3,678 |
| Core capital (leverage) ratio | 8.6957% | 4,956 |
| Tier 1 risk-based capital ratio | 12.8799% | 3,986 |
| Total risk-based capital ratio | 14.1335% | 3,877 |
| Memoranda: | ||
| Average total assets | $295,376,400 | 2,193 |
| Average earning assets | $265,938,600 | 2,239 |
| Average equity | $29,278,400 | 2,407 |
| Average total loans | $209,484,600 | 2,081 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 1,778 |
| Cost of funding earning assets | 0.2770% | 4,345 |
| Net interest margin | 4.1767% | 1,212 |
| Noninterest income to average assets | 0.6415% | 2,247 |
| Noninterest expense to average assets | 3.4390% | 1,086 |
| Loan and lease loss provision to assets | 0.0565% | 2,958 |
| Net operating income to assets | 0.5597% | 4,542 |
| Return on assets (ROA) | 0.5597% | 4,577 |
| Pretax return on assets | 0.9024% | 4,037 |
| Return on Equity (ROE) | 5.6624% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,983 |
| Net charge-offs to loans | -0.0511% | 5,170 |
| Credit loss provision to net charge-offs | -156.2500% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1970% | 1,309 |
| Assets per employee ($millions) | 4.0051% | 3,986 |
| Cash dividends to net income (ytd only)* | 42.4068% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,934 |
| Loan loss allowance to noncurrent loans | 1,835.8025% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,658 |
| Noncurrent loans to loans | 0.0757% | 4,773 |
| Net loans and leases to total assets | 70.2553% | 2,519 |
| Net loans and leases to deposits | 80.3433% | 2,939 |
| Net loans and leases to core deposits | 86.3378% | 2,934 |
| Total domestic deposits to total assets | 87.4439% | 1,649 |
| Equity capital to assets | 9.8239% | 4,115 |
| Core capital (leverage) ratio | 8.6174% | 5,137 |
| Tier 1 risk-based capital ratio | 12.5797% | 4,269 |
| Total risk-based capital ratio | 13.8332% | 4,174 |
| Memoranda: | ||
| Average total assets | $294,921,750 | 2,211 |
| Average earning assets | $265,240,500 | 2,260 |
| Average equity | $29,150,500 | 2,432 |
| Average total loans | $208,881,500 | 2,094 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,776 |
| Cost of funding earning assets | 0.2782% | 4,310 |
| Net interest margin | 4.1329% | 1,243 |
| Noninterest income to average assets | 0.6373% | 2,275 |
| Noninterest expense to average assets | 3.4445% | 1,087 |
| Loan and lease loss provision to assets | 0.0853% | 2,281 |
| Net operating income to assets | 0.5070% | 4,687 |
| Return on assets (ROA) | 0.5070% | 4,722 |
| Pretax return on assets | 0.8175% | 4,208 |
| Return on Equity (ROE) | 5.1187% | 4,426 |
| Retained earnings to average equity (ytd only) | 3.5686% | 3,582 |
| Net charge-offs to loans | -0.0531% | 5,201 |
| Credit loss provision to net charge-offs | -227.2727% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2340% | 1,303 |
| Assets per employee ($millions) | 3.7404% | 4,370 |
| Cash dividends to net income (ytd only)* | 30.2826% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,970 |
| Loan loss allowance to noncurrent loans | 3,932.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,645 |
| Noncurrent loans to loans | 0.0355% | 5,013 |
| Net loans and leases to total assets | 69.6654% | 2,574 |
| Net loans and leases to deposits | 78.9501% | 3,025 |
| Net loans and leases to core deposits | 84.0245% | 3,066 |
| Total domestic deposits to total assets | 88.2398% | 1,337 |
| Equity capital to assets | 9.7878% | 4,132 |
| Core capital (leverage) ratio | 8.6164% | 5,126 |
| Tier 1 risk-based capital ratio | 12.2521% | 4,458 |
| Total risk-based capital ratio | 13.5054% | 4,344 |
| Memoranda: | ||
| Average total assets | $293,102,330 | 2,236 |
| Average earning assets | $263,107,670 | 2,282 |
| Average equity | $29,031,000 | 2,434 |
| Average total loans | $207,173,000 | 2,109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 1,805 |
| Cost of funding earning assets | 0.2662% | 4,395 |
| Net interest margin | 4.0875% | 1,245 |
| Noninterest income to average assets | 0.5972% | 2,430 |
| Noninterest expense to average assets | 3.4120% | 1,174 |
| Loan and lease loss provision to assets | 0.0690% | 2,433 |
| Net operating income to assets | 0.4827% | 4,662 |
| Return on assets (ROA) | 0.4827% | 4,687 |
| Pretax return on assets | 0.7792% | 4,188 |
| Return on Equity (ROE) | 4.8439% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.8439% | 2,989 |
| Net charge-offs to loans | -0.0936% | 5,431 |
| Credit loss provision to net charge-offs | -104.1667% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0906% | 1,374 |
| Assets per employee ($millions) | 3.6335% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,088 |
| Loan loss allowance to noncurrent loans | 3,822.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 1,991 |
| Noncurrent loans to loans | 0.0366% | 5,056 |
| Net loans and leases to total assets | 69.5661% | 2,458 |
| Net loans and leases to deposits | 79.2729% | 2,837 |
| Net loans and leases to core deposits | 84.4035% | 2,861 |
| Total domestic deposits to total assets | 87.7552% | 1,860 |
| Equity capital to assets | 10.0083% | 3,749 |
| Core capital (leverage) ratio | 8.7711% | 4,983 |
| Tier 1 risk-based capital ratio | 12.5963% | 4,323 |
| Total risk-based capital ratio | 13.8496% | 4,233 |
| Memoranda: | ||
| Average total assets | $290,039,000 | 2,258 |
| Average earning assets | $259,915,500 | 2,316 |
| Average equity | $28,902,500 | 2,450 |
| Average total loans | $205,055,500 | 2,138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 1,781 |
| Cost of funding earning assets | 0.2770% | 4,288 |
| Net interest margin | 4.1357% | 1,286 |
| Noninterest income to average assets | 0.7451% | 1,972 |
| Noninterest expense to average assets | 3.6963% | 892 |
| Loan and lease loss provision to assets | 0.1205% | 2,051 |
| Net operating income to assets | 0.4038% | 4,930 |
| Return on assets (ROA) | 0.4038% | 5,015 |
| Pretax return on assets | 0.6513% | 4,656 |
| Return on Equity (ROE) | 3.8949% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.1341% | 4,316 |
| Net charge-offs to loans | 0.0227% | 3,592 |
| Credit loss provision to net charge-offs | 750.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 48.0455% | 1,031 |
| Efficiency ratio | 82.7273% | 1,122 |
| Assets per employee ($millions) | 3.4867% | 4,782 |
| Cash dividends to net income (ytd only)* | 45.2080% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,300 |
| Loan loss allowance to noncurrent loans | 1,198.7013% | 519 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 1,757 |
| Noncurrent loans to loans | 0.1127% | 4,780 |
| Net loans and leases to total assets | 69.8900% | 2,494 |
| Net loans and leases to deposits | 80.2757% | 2,861 |
| Net loans and leases to core deposits | 85.3098% | 2,903 |
| Total domestic deposits to total assets | 87.0625% | 2,111 |
| Equity capital to assets | 9.9216% | 3,799 |
| Core capital (leverage) ratio | 8.7737% | 4,997 |
| Tier 1 risk-based capital ratio | 12.4837% | 4,383 |
| Total risk-based capital ratio | 13.7360% | 4,274 |
| Memoranda: | ||
| Average total assets | $273,919,600 | 2,329 |
| Average earning assets | $246,587,000 | 2,385 |
| Average equity | $28,395,800 | 2,485 |
| Average total loans | $194,217,000 | 2,163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,693 |
| Cost of funding earning assets | 0.2814% | 4,283 |
| Net interest margin | 4.1696% | 1,203 |
| Noninterest income to average assets | 0.7786% | 1,850 |
| Noninterest expense to average assets | 3.7567% | 786 |
| Loan and lease loss provision to assets | 0.1629% | 1,412 |
| Net operating income to assets | 0.3836% | 5,074 |
| Return on assets (ROA) | 0.3836% | 5,162 |
| Pretax return on assets | 0.6186% | 4,830 |
| Return on Equity (ROE) | 3.6585% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.6585% | 3,700 |
| Net charge-offs to loans | 0.0341% | 2,953 |
| Credit loss provision to net charge-offs | 673.4694% | 577 |
| Earnings coverage of net charge-offs (x) | 32.3069% | 1,419 |
| Efficiency ratio | 82.7785% | 1,100 |
| Assets per employee ($millions) | 3.2952% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,308 |
| Loan loss allowance to noncurrent loans | 753.1335% | 763 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 1,685 |
| Noncurrent loans to loans | 0.1829% | 4,619 |
| Net loans and leases to total assets | 70.6654% | 2,397 |
| Net loans and leases to deposits | 80.4373% | 2,913 |
| Net loans and leases to core deposits | 85.3064% | 3,008 |
| Total domestic deposits to total assets | 87.8515% | 1,477 |
| Equity capital to assets | 10.3016% | 3,801 |
| Core capital (leverage) ratio | 8.9975% | 4,833 |
| Tier 1 risk-based capital ratio | 12.3690% | 4,561 |
| Total risk-based capital ratio | 13.6213% | 4,460 |
| Memoranda: | ||
| Average total assets | $270,049,750 | 2,376 |
| Average earning assets | $243,501,500 | 2,418 |
| Average equity | $28,316,500 | 2,515 |
| Average total loans | $191,513,750 | 2,193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,624 |
| Cost of funding earning assets | 0.2883% | 4,261 |
| Net interest margin | 4.1773% | 1,164 |
| Noninterest income to average assets | 0.7094% | 2,100 |
| Noninterest expense to average assets | 3.8755% | 693 |
| Loan and lease loss provision to assets | 0.1275% | 1,786 |
| Net operating income to assets | 0.2887% | 5,355 |
| Return on assets (ROA) | 0.2887% | 5,437 |
| Pretax return on assets | 0.4657% | 5,211 |
| Return on Equity (ROE) | 2.7366% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.7366% | 4,166 |
| Net charge-offs to loans | 0.1093% | 1,732 |
| Credit loss provision to net charge-offs | 165.0485% | 1,496 |
| Earnings coverage of net charge-offs (x) | 7.6796% | 2,604 |
| Efficiency ratio | 86.7260% | 818 |
| Assets per employee ($millions) | 3.2359% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,671 |
| Loan loss allowance to noncurrent loans | 367.8211% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 1,280 |
| Noncurrent loans to loans | 0.3591% | 4,082 |
| Net loans and leases to total assets | 69.2357% | 2,601 |
| Net loans and leases to deposits | 80.5566% | 2,865 |
| Net loans and leases to core deposits | 85.7885% | 2,922 |
| Total domestic deposits to total assets | 85.9467% | 2,448 |
| Equity capital to assets | 10.3202% | 3,832 |
| Core capital (leverage) ratio | 8.9760% | 4,856 |
| Tier 1 risk-based capital ratio | 12.0386% | 4,798 |
| Total risk-based capital ratio | 13.2910% | 4,714 |
| Memoranda: | ||
| Average total assets | $266,702,330 | 2,415 |
| Average earning assets | $240,011,000 | 2,454 |
| Average equity | $28,137,330 | 2,524 |
| Average total loans | $188,454,330 | 2,228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 1,697 |
| Cost of funding earning assets | 0.3002% | 4,159 |
| Net interest margin | 4.1355% | 1,247 |
| Noninterest income to average assets | 0.7176% | 1,950 |
| Noninterest expense to average assets | 4.1047% | 546 |
| Loan and lease loss provision to assets | 0.0609% | 2,726 |
| Net operating income to assets | 0.1783% | 5,573 |
| Return on assets (ROA) | 0.1783% | 5,628 |
| Pretax return on assets | 0.2880% | 5,528 |
| Return on Equity (ROE) | 1.6707% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.6707% | 4,608 |
| Net charge-offs to loans | 0.0430% | 2,144 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 11.4500% | 1,860 |
| Efficiency ratio | 92.1656% | 539 |
| Assets per employee ($millions) | 2.6583% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,717 |
| Loan loss allowance to noncurrent loans | 269.5043% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 1,148 |
| Noncurrent loans to loans | 0.4964% | 3,687 |
| Net loans and leases to total assets | 70.0782% | 2,328 |
| Net loans and leases to deposits | 79.8581% | 2,811 |
| Net loans and leases to core deposits | 85.3759% | 2,804 |
| Total domestic deposits to total assets | 87.7534% | 1,778 |
| Equity capital to assets | 10.6727% | 3,288 |
| Core capital (leverage) ratio | 8.9965% | 4,861 |
| Tier 1 risk-based capital ratio | 12.3691% | 4,676 |
| Total risk-based capital ratio | 13.6224% | 4,571 |
| Memoranda: | ||
| Average total assets | $262,527,000 | 2,446 |
| Average earning assets | $237,167,000 | 2,488 |
| Average equity | $28,013,000 | 2,529 |
| Average total loans | $186,189,500 | 2,249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,539 |
| Cost of funding earning assets | 0.3056% | 4,187 |
| Net interest margin | 4.2135% | 1,142 |
| Noninterest income to average assets | 0.8855% | 1,482 |
| Noninterest expense to average assets | 4.2666% | 511 |
| Loan and lease loss provision to assets | 0.0584% | 3,142 |
| Net operating income to assets | 0.1952% | 5,583 |
| Return on assets (ROA) | 0.1952% | 5,644 |
| Pretax return on assets | 0.3148% | 5,495 |
| Return on Equity (ROE) | 1.8122% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.8122% | 4,695 |
| Net charge-offs to loans | 0.1375% | 1,978 |
| Credit loss provision to net charge-offs | 61.7284% | 3,242 |
| Earnings coverage of net charge-offs (x) | 3.9424% | 3,634 |
| Efficiency ratio | 91.3350% | 608 |
| Assets per employee ($millions) | 2.6722% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,715 |
| Loan loss allowance to noncurrent loans | 342.3448% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6489% | 1,189 |
| Noncurrent loans to loans | 0.3909% | 4,053 |
| Net loans and leases to total assets | 69.8673% | 2,384 |
| Net loans and leases to deposits | 80.7181% | 2,741 |
| Net loans and leases to core deposits | 86.6395% | 2,738 |
| Total domestic deposits to total assets | 86.5571% | 2,348 |
| Equity capital to assets | 10.6683% | 3,172 |
| Core capital (leverage) ratio | 9.1279% | 4,716 |
| Tier 1 risk-based capital ratio | 12.1158% | 4,880 |
| Total risk-based capital ratio | 13.3692% | 4,778 |
| Memoranda: | ||
| Average total assets | $256,690,200 | 2,454 |
| Average earning assets | $228,715,000 | 2,519 |
| Average equity | $27,646,400 | 2,492 |
| Average total loans | $176,731,000 | 2,276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 1,549 |
| Cost of funding earning assets | 0.3166% | 4,145 |
| Net interest margin | 4.1992% | 1,167 |
| Noninterest income to average assets | 0.7580% | 1,990 |
| Noninterest expense to average assets | 4.1070% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2375% | 5,596 |
| Return on assets (ROA) | 0.2375% | 5,673 |
| Pretax return on assets | 0.3832% | 5,494 |
| Return on Equity (ROE) | 2.2001% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.2001% | 4,783 |
| Net charge-offs to loans | 0.1879% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.9837% | 3,569 |
| Efficiency ratio | 90.6057% | 664 |
| Assets per employee ($millions) | 2.7764% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,165 |
| Loan loss allowance to noncurrent loans | 319.3416% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 1,227 |
| Noncurrent loans to loans | 0.4032% | 4,171 |
| Net loans and leases to total assets | 69.1186% | 2,518 |
| Net loans and leases to deposits | 79.1251% | 2,978 |
| Net loans and leases to core deposits | 84.7557% | 2,965 |
| Total domestic deposits to total assets | 87.3537% | 1,868 |
| Equity capital to assets | 10.7900% | 3,252 |
| Core capital (leverage) ratio | 9.1020% | 4,881 |
| Tier 1 risk-based capital ratio | 13.0692% | 4,395 |
| Total risk-based capital ratio | 14.3230% | 4,308 |
| Memoranda: | ||
| Average total assets | $255,393,250 | 2,480 |
| Average earning assets | $226,989,750 | 2,551 |
| Average equity | $27,573,500 | 2,510 |
| Average total loans | $174,551,500 | 2,315 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,509 |
| Cost of funding earning assets | 0.3223% | 4,126 |
| Net interest margin | 4.1848% | 1,134 |
| Noninterest income to average assets | 0.7239% | 2,119 |
| Noninterest expense to average assets | 3.9850% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2798% | 5,500 |
| Return on assets (ROA) | 0.2798% | 5,589 |
| Pretax return on assets | 0.4535% | 5,346 |
| Return on Equity (ROE) | 2.5912% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.5912% | 4,408 |
| Net charge-offs to loans | 0.1148% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8283% | 2,877 |
| Efficiency ratio | 88.4718% | 879 |
| Assets per employee ($millions) | 2.9510% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 2,634 |
| Loan loss allowance to noncurrent loans | 59.1257% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.0849% | 526 |
| Noncurrent loans to loans | 2.4119% | 942 |
| Net loans and leases to total assets | 65.8816% | 2,972 |
| Net loans and leases to deposits | 75.3704% | 3,332 |
| Net loans and leases to core deposits | 80.9222% | 3,289 |
| Total domestic deposits to total assets | 87.4105% | 1,953 |
| Equity capital to assets | 10.6776% | 3,241 |
| Core capital (leverage) ratio | 8.9309% | 5,048 |
| Tier 1 risk-based capital ratio | 13.7164% | 4,087 |
| Total risk-based capital ratio | 14.9732% | 4,024 |
| Memoranda: | ||
| Average total assets | $254,457,330 | 2,505 |
| Average earning assets | $225,866,330 | 2,578 |
| Average equity | $27,478,000 | 2,522 |
| Average total loans | $172,471,000 | 2,340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,314 |
| Cost of funding earning assets | 0.3171% | 4,253 |
| Net interest margin | 4.2409% | 994 |
| Noninterest income to average assets | 0.7211% | 2,060 |
| Noninterest expense to average assets | 4.0342% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2764% | 5,489 |
| Return on assets (ROA) | 0.2764% | 5,586 |
| Pretax return on assets | 0.4463% | 5,331 |
| Return on Equity (ROE) | 2.5445% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.5445% | 4,414 |
| Net charge-offs to loans | 0.0768% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.5152% | 2,081 |
| Efficiency ratio | 87.4158% | 1,064 |
| Assets per employee ($millions) | 2.9212% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 2,541 |
| Loan loss allowance to noncurrent loans | 141.4580% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2165% | 1,039 |
| Noncurrent loans to loans | 1.0455% | 2,673 |
| Net loans and leases to total assets | 65.8739% | 2,800 |
| Net loans and leases to deposits | 75.5915% | 3,103 |
| Net loans and leases to core deposits | 81.0988% | 3,045 |
| Total domestic deposits to total assets | 87.1446% | 2,294 |
| Equity capital to assets | 10.7190% | 3,298 |
| Core capital (leverage) ratio | 9.0850% | 4,861 |
| Tier 1 risk-based capital ratio | 13.1113% | 4,549 |
| Total risk-based capital ratio | 14.3566% | 4,468 |
| Memoranda: | ||
| Average total assets | $251,844,000 | 2,543 |
| Average earning assets | $223,252,500 | 2,614 |
| Average equity | $27,353,000 | 2,547 |
| Average total loans | $171,927,000 | 2,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 1,170 |
| Cost of funding earning assets | 0.4087% | 3,600 |
| Net interest margin | 4.3623% | 946 |
| Noninterest income to average assets | -0.0972% | 6,449 |
| Noninterest expense to average assets | 3.9878% | 760 |
| Loan and lease loss provision to assets | 0.1021% | 2,448 |
| Net operating income to assets | -0.2429% | 6,218 |
| Return on assets (ROA) | -0.2413% | 6,220 |
| Pretax return on assets | -0.3912% | 6,250 |
| Return on Equity (ROE) | -2.1407% | 6,218 |
| Retained earnings to average equity (ytd only) | -3.9672% | 6,138 |
| Net charge-offs to loans | 0.0960% | 3,131 |
| Credit loss provision to net charge-offs | 157.9618% | 1,530 |
| Earnings coverage of net charge-offs (x) | -4.5096% | 4,884 |
| Efficiency ratio | 104.6123% | 283 |
| Assets per employee ($millions) | 2.8025% | 5,925 |
| Cash dividends to net income (ytd only)* | -85.3242% | 6,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 2,491 |
| Loan loss allowance to noncurrent loans | 167.7524% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 2.7670% | 785 |
| Noncurrent loans to loans | 0.8926% | 3,087 |
| Net loans and leases to total assets | 68.6872% | 2,461 |
| Net loans and leases to deposits | 79.7106% | 2,754 |
| Net loans and leases to core deposits | 85.5419% | 2,731 |
| Total domestic deposits to total assets | 86.1707% | 2,738 |
| Equity capital to assets | 11.0092% | 2,888 |
| Core capital (leverage) ratio | 9.2642% | 4,583 |
| Tier 1 risk-based capital ratio | 12.9894% | 4,736 |
| Total risk-based capital ratio | 14.2434% | 4,644 |
| Memoranda: | ||
| Average total assets | $242,842,000 | 2,592 |
| Average earning assets | $211,171,200 | 2,697 |
| Average equity | $27,374,800 | 2,458 |
| Average total loans | $163,575,800 | 2,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 1,253 |
| Cost of funding earning assets | 0.4295% | 3,471 |
| Net interest margin | 4.2953% | 1,063 |
| Noninterest income to average assets | 0.1643% | 5,932 |
| Noninterest expense to average assets | 4.0710% | 706 |
| Loan and lease loss provision to assets | 0.1367% | 1,828 |
| Net operating income to assets | -0.1983% | 6,264 |
| Return on assets (ROA) | -0.1962% | 6,270 |
| Pretax return on assets | -0.3197% | 6,303 |
| Return on Equity (ROE) | -1.7304% | 6,269 |
| Retained earnings to average equity (ytd only) | -1.7304% | 6,046 |
| Net charge-offs to loans | 0.1131% | 2,671 |
| Credit loss provision to net charge-offs | 181.0219% | 1,381 |
| Earnings coverage of net charge-offs (x) | -2.4672% | 4,581 |
| Efficiency ratio | 101.6600% | 333 |
| Assets per employee ($millions) | 2.8908% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,662 |
| Loan loss allowance to noncurrent loans | 161.2422% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 3.5037% | 616 |
| Noncurrent loans to loans | 0.9359% | 3,218 |
| Net loans and leases to total assets | 69.7756% | 2,230 |
| Net loans and leases to deposits | 80.3235% | 2,643 |
| Net loans and leases to core deposits | 86.2397% | 2,639 |
| Total domestic deposits to total assets | 86.8682% | 2,390 |
| Equity capital to assets | 11.3899% | 2,596 |
| Core capital (leverage) ratio | 9.6308% | 4,189 |
| Tier 1 risk-based capital ratio | 13.5295% | 4,518 |
| Total risk-based capital ratio | 14.7723% | 4,467 |
| Memoranda: | ||
| Average total assets | $241,897,250 | 2,613 |
| Average earning assets | $209,528,250 | 2,732 |
| Average equity | $27,430,750 | 2,456 |
| Average total loans | $161,476,750 | 2,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 1,262 |
| Cost of funding earning assets | 0.4528% | 3,296 |
| Net interest margin | 4.2569% | 1,122 |
| Noninterest income to average assets | 0.0621% | 6,404 |
| Noninterest expense to average assets | 4.1865% | 609 |
| Loan and lease loss provision to assets | 0.2053% | 1,163 |
| Net operating income to assets | -0.4055% | 6,414 |
| Return on assets (ROA) | -0.4023% | 6,416 |
| Pretax return on assets | -0.6590% | 6,463 |
| Return on Equity (ROE) | -3.5533% | 6,399 |
| Retained earnings to average equity (ytd only) | -3.5533% | 6,140 |
| Net charge-offs to loans | 0.2925% | 1,375 |
| Credit loss provision to net charge-offs | 107.3593% | 1,863 |
| Earnings coverage of net charge-offs (x) | -2.3983% | 4,254 |
| Efficiency ratio | 109.0384% | 246 |
| Assets per employee ($millions) | 3.0558% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 2,683 |
| Loan loss allowance to noncurrent loans | 239.3301% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 3.3650% | 712 |
| Noncurrent loans to loans | 0.6461% | 4,093 |
| Net loans and leases to total assets | 65.1399% | 2,889 |
| Net loans and leases to deposits | 74.5311% | 3,263 |
| Net loans and leases to core deposits | 80.0810% | 3,203 |
| Total domestic deposits to total assets | 87.3996% | 2,248 |
| Equity capital to assets | 11.2926% | 2,617 |
| Core capital (leverage) ratio | 9.4661% | 4,376 |
| Tier 1 risk-based capital ratio | 14.0251% | 4,247 |
| Total risk-based capital ratio | 15.2711% | 4,181 |
| Memoranda: | ||
| Average total assets | $241,586,330 | 2,627 |
| Average earning assets | $208,039,670 | 2,758 |
| Average equity | $27,355,000 | 2,451 |
| Average total loans | $157,958,330 | 2,475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,318 |
| Cost of funding earning assets | 0.4729% | 3,198 |
| Net interest margin | 4.1996% | 1,222 |
| Noninterest income to average assets | -0.3931% | 6,706 |
| Noninterest expense to average assets | 4.4439% | 482 |
| Loan and lease loss provision to assets | 0.2998% | 645 |
| Net operating income to assets | -0.9461% | 6,565 |
| Return on assets (ROA) | -0.9461% | 6,565 |
| Pretax return on assets | -1.5424% | 6,616 |
| Return on Equity (ROE) | -8.3439% | 6,537 |
| Retained earnings to average equity (ytd only) | -8.3439% | 6,300 |
| Net charge-offs to loans | 0.6715% | 547 |
| Credit loss provision to net charge-offs | 68.7023% | 2,019 |
| Earnings coverage of net charge-offs (x) | -2.8473% | 3,551 |
| Efficiency ratio | 135.0156% | 101 |
| Assets per employee ($millions) | 3.0129% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 2,916 |
| Loan loss allowance to noncurrent loans | 186.2791% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 4.4193% | 502 |
| Noncurrent loans to loans | 0.8327% | 3,802 |
| Net loans and leases to total assets | 63.2724% | 3,020 |
| Net loans and leases to deposits | 72.8944% | 3,224 |
| Net loans and leases to core deposits | 78.1181% | 3,191 |
| Total domestic deposits to total assets | 86.8000% | 2,938 |
| Equity capital to assets | 11.2853% | 2,446 |
| Core capital (leverage) ratio | 9.5226% | 4,248 |
| Tier 1 risk-based capital ratio | 13.8452% | 4,440 |
| Total risk-based capital ratio | 15.0989% | 4,386 |
| Memoranda: | ||
| Average total assets | $240,149,500 | 2,643 |
| Average earning assets | $205,544,000 | 2,792 |
| Average equity | $27,229,500 | 2,455 |
| Average total loans | $156,066,500 | 2,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 1,257 |
| Cost of funding earning assets | 0.4780% | 3,840 |
| Net interest margin | 4.3517% | 997 |
| Noninterest income to average assets | 0.7501% | 2,290 |
| Noninterest expense to average assets | 3.7652% | 1,192 |
| Loan and lease loss provision to assets | 0.0827% | 3,465 |
| Net operating income to assets | 0.4157% | 5,096 |
| Return on assets (ROA) | 0.4130% | 5,216 |
| Pretax return on assets | 0.6737% | 4,625 |
| Return on Equity (ROE) | 3.6224% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.6224% | 3,645 |
| Net charge-offs to loans | 0.5987% | 1,096 |
| Credit loss provision to net charge-offs | 21.0921% | 4,428 |
| Earnings coverage of net charge-offs (x) | 1.9400% | 4,403 |
| Efficiency ratio | 80.4674% | 2,079 |
| Assets per employee ($millions) | 3.0675% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,842 |
| Loan loss allowance to noncurrent loans | 61.1672% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 4.8807% | 492 |
| Noncurrent loans to loans | 2.5829% | 1,450 |
| Net loans and leases to total assets | 64.6723% | 2,925 |
| Net loans and leases to deposits | 75.3117% | 3,054 |
| Net loans and leases to core deposits | 80.8451% | 3,030 |
| Total domestic deposits to total assets | 85.8727% | 3,327 |
| Equity capital to assets | 11.3922% | 2,244 |
| Core capital (leverage) ratio | 9.8055% | 3,834 |
| Tier 1 risk-based capital ratio | 13.8744% | 4,379 |
| Total risk-based capital ratio | 15.1276% | 4,322 |
| Memoranda: | ||
| Average total assets | $238,235,200 | 2,638 |
| Average earning assets | $206,702,800 | 2,762 |
| Average equity | $27,164,600 | 2,444 |
| Average total loans | $156,005,200 | 2,475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,342 |
| Cost of funding earning assets | 0.4776% | 3,992 |
| Net interest margin | 4.3223% | 1,045 |
| Noninterest income to average assets | 0.7816% | 2,242 |
| Noninterest expense to average assets | 3.7566% | 1,152 |
| Loan and lease loss provision to assets | 0.1104% | 2,928 |
| Net operating income to assets | 0.4148% | 5,186 |
| Return on assets (ROA) | 0.4112% | 5,342 |
| Pretax return on assets | 0.6712% | 4,788 |
| Return on Equity (ROE) | 3.6057% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.6057% | 4,126 |
| Net charge-offs to loans | 0.6611% | 919 |
| Credit loss provision to net charge-offs | 25.5181% | 3,973 |
| Earnings coverage of net charge-offs (x) | 1.8199% | 4,225 |
| Efficiency ratio | 79.9507% | 2,105 |
| Assets per employee ($millions) | 3.0094% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 2,742 |
| Loan loss allowance to noncurrent loans | 89.3315% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 4.1592% | 749 |
| Noncurrent loans to loans | 1.8660% | 2,414 |
| Net loans and leases to total assets | 66.4961% | 2,562 |
| Net loans and leases to deposits | 77.0205% | 2,814 |
| Net loans and leases to core deposits | 82.7580% | 2,798 |
| Total domestic deposits to total assets | 86.3356% | 3,054 |
| Equity capital to assets | 11.5957% | 2,226 |
| Core capital (leverage) ratio | 9.6786% | 4,132 |
| Tier 1 risk-based capital ratio | 13.6618% | 4,656 |
| Total risk-based capital ratio | 14.9149% | 4,605 |
| Memoranda: | ||
| Average total assets | $237,977,000 | 2,655 |
| Average earning assets | $207,135,500 | 2,772 |
| Average equity | $27,141,250 | 2,470 |
| Average total loans | $155,700,500 | 2,492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,614 |
| Cost of funding earning assets | 0.4859% | 4,027 |
| Net interest margin | 4.1985% | 1,276 |
| Noninterest income to average assets | 0.6986% | 2,647 |
| Noninterest expense to average assets | 3.7447% | 1,171 |
| Loan and lease loss provision to assets | 0.0979% | 3,157 |
| Net operating income to assets | 0.3202% | 5,522 |
| Return on assets (ROA) | 0.3213% | 5,670 |
| Pretax return on assets | 0.5229% | 5,295 |
| Return on Equity (ROE) | 2.8323% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.8323% | 4,512 |
| Net charge-offs to loans | 0.6814% | 969 |
| Credit loss provision to net charge-offs | 22.2011% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.4042% | 4,069 |
| Efficiency ratio | 82.9946% | 1,758 |
| Assets per employee ($millions) | 3.1184% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 2,482 |
| Loan loss allowance to noncurrent loans | 54.6462% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 4.5921% | 706 |
| Noncurrent loans to loans | 3.2673% | 1,344 |
| Net loans and leases to total assets | 65.2454% | 2,719 |
| Net loans and leases to deposits | 74.6383% | 3,061 |
| Net loans and leases to core deposits | 80.7719% | 2,939 |
| Total domestic deposits to total assets | 87.4154% | 2,582 |
| Equity capital to assets | 11.4496% | 2,340 |
| Core capital (leverage) ratio | 9.2828% | 4,569 |
| Tier 1 risk-based capital ratio | 13.5846% | 4,720 |
| Total risk-based capital ratio | 14.8374% | 4,677 |
| Memoranda: | ||
| Average total assets | $239,058,000 | 2,660 |
| Average earning assets | $208,693,000 | 2,761 |
| Average equity | $27,115,330 | 2,476 |
| Average total loans | $154,689,000 | 2,509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,884 |
| Cost of funding earning assets | 0.4921% | 4,158 |
| Net interest margin | 4.0905% | 1,485 |
| Noninterest income to average assets | 0.6598% | 2,818 |
| Noninterest expense to average assets | 3.7586% | 1,167 |
| Loan and lease loss provision to assets | 0.0616% | 3,604 |
| Net operating income to assets | 0.2616% | 5,692 |
| Return on assets (ROA) | 0.2616% | 5,816 |
| Pretax return on assets | 0.4265% | 5,482 |
| Return on Equity (ROE) | 2.3169% | 5,843 |
| Retained earnings to average equity (ytd only) | 2.3169% | 4,869 |
| Net charge-offs to loans | 1.5158% | 355 |
| Credit loss provision to net charge-offs | 6.3683% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.5043% | 3,650 |
| Efficiency ratio | 85.6022% | 1,563 |
| Assets per employee ($millions) | 3.0359% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 2,794 |
| Loan loss allowance to noncurrent loans | 47.1801% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 4.7387% | 786 |
| Noncurrent loans to loans | 3.7161% | 1,267 |
| Net loans and leases to total assets | 62.5473% | 2,961 |
| Net loans and leases to deposits | 71.8592% | 3,196 |
| Net loans and leases to core deposits | 77.7023% | 3,116 |
| Total domestic deposits to total assets | 87.0414% | 2,939 |
| Equity capital to assets | 11.5489% | 2,369 |
| Core capital (leverage) ratio | 9.1066% | 4,709 |
| Tier 1 risk-based capital ratio | 14.0023% | 4,499 |
| Total risk-based capital ratio | 15.2643% | 4,452 |
| Memoranda: | ||
| Average total assets | $240,089,000 | 2,671 |
| Average earning assets | $210,537,500 | 2,767 |
| Average equity | $27,105,500 | 2,514 |
| Average total loans | $153,313,500 | 2,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 2,521 |
| Cost of funding earning assets | 0.7030% | 3,467 |
| Net interest margin | 4.0162% | 2,329 |
| Noninterest income to average assets | 0.6169% | 3,190 |
| Noninterest expense to average assets | 3.7784% | 1,293 |
| Loan and lease loss provision to assets | 0.2569% | 2,595 |
| Net operating income to assets | 0.0448% | 6,094 |
| Return on assets (ROA) | 0.0427% | 6,237 |
| Pretax return on assets | 0.0699% | 6,195 |
| Return on Equity (ROE) | 0.3897% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.3897% | 5,661 |
| Net charge-offs to loans | 1.4012% | 654 |
| Credit loss provision to net charge-offs | 27.7162% | 5,159 |
| Earnings coverage of net charge-offs (x) | 0.3561% | 5,302 |
| Efficiency ratio | 89.0256% | 1,147 |
| Assets per employee ($millions) | 3.0423% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 1,792 |
| Loan loss allowance to noncurrent loans | 51.6103% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 5.0869% | 752 |
| Noncurrent loans to loans | 4.0542% | 1,153 |
| Net loans and leases to total assets | 62.7099% | 3,119 |
| Net loans and leases to deposits | 72.0635% | 3,404 |
| Net loans and leases to core deposits | 78.6725% | 3,171 |
| Total domestic deposits to total assets | 87.0203% | 2,835 |
| Equity capital to assets | 11.0312% | 2,912 |
| Core capital (leverage) ratio | 8.6046% | 5,457 |
| Tier 1 risk-based capital ratio | 12.8855% | 5,192 |
| Total risk-based capital ratio | 14.1500% | 5,120 |
| Memoranda: | ||
| Average total assets | $243,303,800 | 2,597 |
| Average earning assets | $211,516,800 | 2,716 |
| Average equity | $26,684,200 | 2,509 |
| Average total loans | $160,938,200 | 2,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 2,615 |
| Cost of funding earning assets | 0.7418% | 3,415 |
| Net interest margin | 4.0001% | 2,498 |
| Noninterest income to average assets | 0.4824% | 4,044 |
| Noninterest expense to average assets | 3.8948% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0397% | 6,222 |
| Return on assets (ROA) | 0.0306% | 6,372 |
| Pretax return on assets | 0.0497% | 6,335 |
| Return on Equity (ROE) | 0.2793% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.2793% | 5,998 |
| Net charge-offs to loans | 0.8032% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1194% | 5,277 |
| Efficiency ratio | 95.3906% | 698 |
| Assets per employee ($millions) | 2.8588% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 1,303 |
| Loan loss allowance to noncurrent loans | 41.6550% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 6.0627% | 653 |
| Noncurrent loans to loans | 5.8300% | 711 |
| Net loans and leases to total assets | 64.7656% | 2,886 |
| Net loans and leases to deposits | 75.0136% | 3,145 |
| Net loans and leases to core deposits | 81.8823% | 2,972 |
| Total domestic deposits to total assets | 86.3384% | 3,065 |
| Equity capital to assets | 11.1868% | 3,052 |
| Core capital (leverage) ratio | 8.2113% | 6,129 |
| Tier 1 risk-based capital ratio | 12.7516% | 5,441 |
| Total risk-based capital ratio | 14.0174% | 5,387 |
| Memoranda: | ||
| Average total assets | $244,043,500 | 2,611 |
| Average earning assets | $212,090,000 | 2,733 |
| Average equity | $26,727,000 | 2,522 |
| Average total loans | $162,687,500 | 2,419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 3,168 |
| Cost of funding earning assets | 0.7687% | 3,450 |
| Net interest margin | 3.8737% | 3,020 |
| Noninterest income to average assets | 0.2592% | 5,718 |
| Noninterest expense to average assets | 3.7482% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0818% | 6,415 |
| Return on assets (ROA) | -0.0954% | 6,537 |
| Pretax return on assets | -0.1541% | 6,560 |
| Return on Equity (ROE) | -0.8770% | 6,532 |
| Retained earnings to average equity (ytd only) | -0.8770% | 6,192 |
| Net charge-offs to loans | 0.5055% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.3937% | 5,211 |
| Efficiency ratio | 100.3608% | 546 |
| Assets per employee ($millions) | 2.8669% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7231% | 1,010 |
| Loan loss allowance to noncurrent loans | 44.0878% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 5.9974% | 710 |
| Noncurrent loans to loans | 6.1766% | 701 |
| Net loans and leases to total assets | 64.2856% | 2,972 |
| Net loans and leases to deposits | 74.4355% | 3,221 |
| Net loans and leases to core deposits | 81.5216% | 3,016 |
| Total domestic deposits to total assets | 86.3642% | 3,156 |
| Equity capital to assets | 10.8134% | 3,325 |
| Core capital (leverage) ratio | 8.0764% | 6,183 |
| Tier 1 risk-based capital ratio | 12.2220% | 5,776 |
| Total risk-based capital ratio | 13.4974% | 5,737 |
| Memoranda: | ||
| Average total assets | $245,344,670 | 2,598 |
| Average earning assets | $212,560,670 | 2,728 |
| Average equity | $26,681,330 | 2,507 |
| Average total loans | $163,783,670 | 2,417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 2,889 |
| Cost of funding earning assets | 0.8084% | 3,406 |
| Net interest margin | 3.9316% | 2,798 |
| Noninterest income to average assets | 0.7142% | 2,586 |
| Noninterest expense to average assets | 3.7346% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2223% | 5,913 |
| Return on assets (ROA) | 0.2223% | 6,059 |
| Pretax return on assets | 0.3579% | 5,838 |
| Return on Equity (ROE) | 2.0381% | 6,064 |
| Retained earnings to average equity (ytd only) | 2.0381% | 5,251 |
| Net charge-offs to loans | -0.0585% | 6,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3387% | 1,241 |
| Assets per employee ($millions) | 3.0583% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9589% | 866 |
| Loan loss allowance to noncurrent loans | 43.3102% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 7.7178% | 512 |
| Noncurrent loans to loans | 6.8319% | 673 |
| Net loans and leases to total assets | 65.3464% | 2,590 |
| Net loans and leases to deposits | 75.7217% | 2,838 |
| Net loans and leases to core deposits | 82.9835% | 2,693 |
| Total domestic deposits to total assets | 86.2981% | 3,362 |
| Equity capital to assets | 10.9361% | 2,982 |
| Core capital (leverage) ratio | 8.5373% | 5,527 |
| Tier 1 risk-based capital ratio | 12.1292% | 5,881 |
| Total risk-based capital ratio | 13.3808% | 5,856 |
| Memoranda: | ||
| Average total assets | $244,739,000 | 2,616 |
| Average earning assets | $210,298,500 | 2,769 |
| Average equity | $26,691,500 | 2,504 |
| Average total loans | $164,207,000 | 2,425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 1,278 |
| Cost of funding earning assets | 1.1440% | 2,386 |
| Net interest margin | 4.3114% | 1,664 |
| Noninterest income to average assets | 0.2517% | 5,727 |
| Noninterest expense to average assets | 3.4368% | 2,146 |
| Loan and lease loss provision to assets | 1.3111% | 621 |
| Net operating income to assets | -0.4764% | 6,466 |
| Return on assets (ROA) | -0.4764% | 6,521 |
| Pretax return on assets | -0.7860% | 6,640 |
| Return on Equity (ROE) | -4.2180% | 6,484 |
| Retained earnings to average equity (ytd only) | -4.2180% | 6,387 |
| Net charge-offs to loans | 2.2782% | 554 |
| Credit loss provision to net charge-offs | 80.3622% | 4,434 |
| Earnings coverage of net charge-offs (x) | 0.3219% | 5,587 |
| Efficiency ratio | 83.6589% | 1,811 |
| Assets per employee ($millions) | 3.0989% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9635% | 842 |
| Loan loss allowance to noncurrent loans | 40.5518% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 8.2733% | 469 |
| Noncurrent loans to loans | 7.3079% | 597 |
| Net loans and leases to total assets | 64.8696% | 3,012 |
| Net loans and leases to deposits | 76.5624% | 3,077 |
| Net loans and leases to core deposits | 84.1853% | 2,869 |
| Total domestic deposits to total assets | 84.7278% | 3,991 |
| Equity capital to assets | 10.8761% | 3,112 |
| Core capital (leverage) ratio | 8.4346% | 5,661 |
| Tier 1 risk-based capital ratio | 11.5202% | 6,148 |
| Total risk-based capital ratio | 12.7959% | 6,118 |
| Memoranda: | ||
| Average total assets | $240,340,800 | 2,630 |
| Average earning assets | $206,822,400 | 2,766 |
| Average equity | $27,145,400 | 2,389 |
| Average total loans | $172,107,200 | 2,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 946 |
| Cost of funding earning assets | 1.2516% | 1,987 |
| Net interest margin | 4.3942% | 1,424 |
| Noninterest income to average assets | 0.3372% | 5,160 |
| Noninterest expense to average assets | 3.4098% | 2,165 |
| Loan and lease loss provision to assets | 0.9508% | 927 |
| Net operating income to assets | -0.0251% | 6,187 |
| Return on assets (ROA) | -0.0251% | 6,290 |
| Pretax return on assets | -0.2313% | 6,441 |
| Return on Equity (ROE) | -0.2200% | 6,289 |
| Retained earnings to average equity (ytd only) | -0.2200% | 6,011 |
| Net charge-offs to loans | 1.3691% | 1,106 |
| Credit loss provision to net charge-offs | 95.3605% | 3,589 |
| Earnings coverage of net charge-offs (x) | 0.7216% | 5,079 |
| Efficiency ratio | 79.6059% | 2,319 |
| Assets per employee ($millions) | 2.9676% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3844% | 617 |
| Loan loss allowance to noncurrent loans | 51.0415% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 8.3983% | 503 |
| Noncurrent loans to loans | 6.6307% | 788 |
| Net loans and leases to total assets | 66.5928% | 2,765 |
| Net loans and leases to deposits | 78.4181% | 2,900 |
| Net loans and leases to core deposits | 85.8894% | 2,785 |
| Total domestic deposits to total assets | 84.9202% | 3,805 |
| Equity capital to assets | 11.6797% | 2,517 |
| Core capital (leverage) ratio | 9.3390% | 4,396 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,900 |
| Total risk-based capital ratio | 14.5453% | 4,853 |
| Memoranda: | ||
| Average total assets | $239,223,250 | 2,656 |
| Average earning assets | $206,447,250 | 2,775 |
| Average equity | $27,275,250 | 2,376 |
| Average total loans | $174,219,500 | 2,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 744 |
| Cost of funding earning assets | 1.2685% | 2,129 |
| Net interest margin | 4.5093% | 1,113 |
| Noninterest income to average assets | 0.6113% | 3,061 |
| Noninterest expense to average assets | 3.3791% | 2,320 |
| Loan and lease loss provision to assets | 0.7722% | 1,202 |
| Net operating income to assets | 0.4095% | 4,898 |
| Return on assets (ROA) | 0.4095% | 5,055 |
| Pretax return on assets | 0.3703% | 5,483 |
| Return on Equity (ROE) | 3.6204% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.6204% | 3,927 |
| Net charge-offs to loans | 1.0014% | 1,572 |
| Credit loss provision to net charge-offs | 104.0449% | 2,969 |
| Earnings coverage of net charge-offs (x) | 1.5393% | 4,134 |
| Efficiency ratio | 72.0214% | 3,727 |
| Assets per employee ($millions) | 3.0848% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3427% | 674 |
| Loan loss allowance to noncurrent loans | 37.6815% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 8.9553% | 470 |
| Noncurrent loans to loans | 8.8708% | 474 |
| Net loans and leases to total assets | 67.9711% | 2,620 |
| Net loans and leases to deposits | 84.0338% | 2,104 |
| Net loans and leases to core deposits | 92.0014% | 2,130 |
| Total domestic deposits to total assets | 80.8854% | 5,567 |
| Equity capital to assets | 11.7461% | 2,290 |
| Core capital (leverage) ratio | 9.7533% | 3,589 |
| Tier 1 risk-based capital ratio | 13.5237% | 4,509 |
| Total risk-based capital ratio | 14.8053% | 4,468 |
| Memoranda: | ||
| Average total assets | $239,829,670 | 2,660 |
| Average earning assets | $207,969,330 | 2,782 |
| Average equity | $27,124,330 | 2,375 |
| Average total loans | $177,748,670 | 2,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 236 |
| Cost of funding earning assets | 1.1534% | 3,141 |
| Net interest margin | 5.2730% | 232 |
| Noninterest income to average assets | 0.4093% | 4,635 |
| Noninterest expense to average assets | 3.1658% | 3,005 |
| Loan and lease loss provision to assets | 0.4176% | 2,104 |
| Net operating income to assets | 1.0024% | 2,175 |
| Return on assets (ROA) | 1.0024% | 2,224 |
| Pretax return on assets | 1.4083% | 1,707 |
| Return on Equity (ROE) | 9.0378% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.0378% | 1,367 |
| Net charge-offs to loans | 0.8109% | 1,610 |
| Credit loss provision to net charge-offs | 67.7507% | 3,389 |
| Earnings coverage of net charge-offs (x) | 2.9621% | 2,898 |
| Efficiency ratio | 61.7805% | 5,714 |
| Assets per employee ($millions) | 3.1204% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0771% | 851 |
| Loan loss allowance to noncurrent loans | 36.9932% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 9.2805% | 461 |
| Noncurrent loans to loans | 8.3180% | 577 |
| Net loans and leases to total assets | 72.1295% | 1,697 |
| Net loans and leases to deposits | 93.3599% | 886 |
| Net loans and leases to core deposits | 102.9457% | 1,133 |
| Total domestic deposits to total assets | 77.2596% | 6,491 |
| Equity capital to assets | 11.1771% | 2,522 |
| Core capital (leverage) ratio | 9.0286% | 4,571 |
| Tier 1 risk-based capital ratio | 12.1716% | 5,532 |
| Total risk-based capital ratio | 13.4445% | 5,511 |
| Memoranda: | ||
| Average total assets | $239,436,000 | 2,672 |
| Average earning assets | $208,079,500 | 2,808 |
| Average equity | $26,555,000 | 2,404 |
| Average total loans | $182,020,000 | 2,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 2,543 |
| Cost of funding earning assets | 1.5560% | 2,328 |
| Net interest margin | 3.8746% | 3,615 |
| Noninterest income to average assets | 0.4151% | 4,779 |
| Noninterest expense to average assets | 3.4156% | 2,396 |
| Loan and lease loss provision to assets | 0.9042% | 1,807 |
| Net operating income to assets | -0.3168% | 6,233 |
| Return on assets (ROA) | -0.3166% | 6,271 |
| Pretax return on assets | -0.5020% | 6,325 |
| Return on Equity (ROE) | -3.1057% | 6,284 |
| Retained earnings to average equity (ytd only) | -3.1057% | 6,105 |
| Net charge-offs to loans | 1.0826% | 2,055 |
| Credit loss provision to net charge-offs | 110.1617% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.4896% | 5,624 |
| Efficiency ratio | 86.5528% | 1,621 |
| Assets per employee ($millions) | 3.0590% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0345% | 846 |
| Loan loss allowance to noncurrent loans | 44.6785% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 9.9168% | 418 |
| Noncurrent loans to loans | 6.7919% | 849 |
| Net loans and leases to total assets | 75.2766% | 1,418 |
| Net loans and leases to deposits | 97.9752% | 722 |
| Net loans and leases to core deposits | 109.5201% | 948 |
| Total domestic deposits to total assets | 76.8323% | 6,507 |
| Equity capital to assets | 11.0036% | 2,684 |
| Core capital (leverage) ratio | 8.2742% | 5,718 |
| Tier 1 risk-based capital ratio | 11.1671% | 6,203 |
| Total risk-based capital ratio | 12.4387% | 6,168 |
| Memoranda: | ||
| Average total assets | $263,761,600 | 2,417 |
| Average earning assets | $231,612,400 | 2,509 |
| Average equity | $26,885,800 | 2,383 |
| Average total loans | $199,975,000 | 2,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 2,835 |
| Cost of funding earning assets | 1.5051% | 2,944 |
| Net interest margin | 3.9046% | 3,511 |
| Noninterest income to average assets | 0.5826% | 3,562 |
| Noninterest expense to average assets | 3.2521% | 2,730 |
| Loan and lease loss provision to assets | 0.8981% | 1,693 |
| Net operating income to assets | -0.0405% | 6,083 |
| Return on assets (ROA) | -0.0405% | 6,192 |
| Pretax return on assets | -0.1234% | 6,251 |
| Return on Equity (ROE) | -0.4043% | 6,202 |
| Retained earnings to average equity (ytd only) | -0.4043% | 5,893 |
| Net charge-offs to loans | 1.1326% | 1,801 |
| Credit loss provision to net charge-offs | 105.1445% | 4,076 |
| Earnings coverage of net charge-offs (x) | 0.9069% | 5,150 |
| Efficiency ratio | 78.0530% | 2,617 |
| Assets per employee ($millions) | 3.7159% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8977% | 911 |
| Loan loss allowance to noncurrent loans | 61.2612% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 7.9747% | 632 |
| Noncurrent loans to loans | 4.7301% | 1,496 |
| Net loans and leases to total assets | 68.7499% | 3,044 |
| Net loans and leases to deposits | 96.1239% | 965 |
| Net loans and leases to core deposits | 106.9221% | 1,244 |
| Total domestic deposits to total assets | 71.5222% | 7,179 |
| Equity capital to assets | 10.0948% | 4,027 |
| Core capital (leverage) ratio | 8.2639% | 5,941 |
| Tier 1 risk-based capital ratio | 11.0014% | 6,384 |
| Total risk-based capital ratio | 12.2704% | 6,340 |
| Memoranda: | ||
| Average total assets | $270,051,000 | 2,393 |
| Average earning assets | $238,207,750 | 2,487 |
| Average equity | $27,043,500 | 2,407 |
| Average total loans | $203,660,250 | 2,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 2,884 |
| Cost of funding earning assets | 1.5459% | 2,982 |
| Net interest margin | 3.8755% | 3,559 |
| Noninterest income to average assets | 0.3943% | 4,952 |
| Noninterest expense to average assets | 3.1932% | 2,922 |
| Loan and lease loss provision to assets | 0.8860% | 1,645 |
| Net operating income to assets | -0.1403% | 6,277 |
| Return on assets (ROA) | -0.1403% | 6,348 |
| Pretax return on assets | -0.2496% | 6,374 |
| Return on Equity (ROE) | -1.4045% | 6,365 |
| Retained earnings to average equity (ytd only) | -1.4045% | 6,046 |
| Net charge-offs to loans | 1.4971% | 1,278 |
| Credit loss provision to net charge-offs | 76.9231% | 4,791 |
| Earnings coverage of net charge-offs (x) | 0.5526% | 5,182 |
| Efficiency ratio | 80.5475% | 2,364 |
| Assets per employee ($millions) | 3.5434% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 1,267 |
| Loan loss allowance to noncurrent loans | 226.9820% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 5.6722% | 1,066 |
| Noncurrent loans to loans | 1.1140% | 5,096 |
| Net loans and leases to total assets | 74.0764% | 1,895 |
| Net loans and leases to deposits | 103.9140% | 489 |
| Net loans and leases to core deposits | 117.6597% | 779 |
| Total domestic deposits to total assets | 71.2863% | 7,238 |
| Equity capital to assets | 10.2590% | 3,693 |
| Core capital (leverage) ratio | 7.9976% | 6,279 |
| Tier 1 risk-based capital ratio | 10.5585% | 6,642 |
| Total risk-based capital ratio | 11.6944% | 6,709 |
| Memoranda: | ||
| Average total assets | $270,886,330 | 2,411 |
| Average earning assets | $240,124,670 | 2,477 |
| Average equity | $27,055,330 | 2,410 |
| Average total loans | $208,405,000 | 2,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 3,060 |
| Cost of funding earning assets | 1.5589% | 3,210 |
| Net interest margin | 3.8356% | 3,644 |
| Noninterest income to average assets | 0.7020% | 2,588 |
| Noninterest expense to average assets | 3.0724% | 3,381 |
| Loan and lease loss provision to assets | 0.9447% | 1,332 |
| Net operating income to assets | 0.1250% | 5,946 |
| Return on assets (ROA) | 0.1250% | 6,063 |
| Pretax return on assets | 0.1250% | 6,074 |
| Return on Equity (ROE) | 1.2678% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.2678% | 5,307 |
| Net charge-offs to loans | 1.7242% | 1,006 |
| Credit loss provision to net charge-offs | 70.8061% | 4,082 |
| Earnings coverage of net charge-offs (x) | 0.8017% | 4,324 |
| Efficiency ratio | 71.5789% | 4,001 |
| Assets per employee ($millions) | 3.4021% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4736% | 1,335 |
| Loan loss allowance to noncurrent loans | 53.7712% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 5.7275% | 1,065 |
| Noncurrent loans to loans | 4.6003% | 1,617 |
| Net loans and leases to total assets | 72.5435% | 2,316 |
| Net loans and leases to deposits | 99.7324% | 771 |
| Net loans and leases to core deposits | 112.5587% | 1,125 |
| Total domestic deposits to total assets | 72.7381% | 7,191 |
| Equity capital to assets | 9.7415% | 4,179 |
| Core capital (leverage) ratio | 7.8241% | 6,466 |
| Tier 1 risk-based capital ratio | 10.3312% | 6,781 |
| Total risk-based capital ratio | 11.5964% | 6,764 |
| Memoranda: | ||
| Average total assets | $275,225,000 | 2,428 |
| Average earning assets | $246,844,000 | 2,481 |
| Average equity | $27,133,000 | 2,428 |
| Average total loans | $212,970,500 | 2,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 1,933 |
| Cost of funding earning assets | 2.1076% | 2,421 |
| Net interest margin | 3.8761% | 3,370 |
| Noninterest income to average assets | 0.6598% | 3,219 |
| Noninterest expense to average assets | 3.3256% | 2,925 |
| Loan and lease loss provision to assets | 2.1095% | 1,003 |
| Net operating income to assets | -0.7995% | 6,438 |
| Return on assets (ROA) | -0.7995% | 6,436 |
| Pretax return on assets | -1.2559% | 6,577 |
| Return on Equity (ROE) | -7.1219% | 6,391 |
| Retained earnings to average equity (ytd only) | -10.6037% | 6,559 |
| Net charge-offs to loans | 0.8775% | 2,645 |
| Credit loss provision to net charge-offs | 290.2227% | 1,152 |
| Earnings coverage of net charge-offs (x) | 1.1744% | 4,953 |
| Efficiency ratio | 76.7974% | 3,388 |
| Assets per employee ($millions) | 3.3516% | 5,370 |
| Cash dividends to net income (ytd only)* | -48.8889% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4722% | 1,267 |
| Loan loss allowance to noncurrent loans | 57.8716% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.8965% | 1,274 |
| Noncurrent loans to loans | 4.2718% | 1,699 |
| Net loans and leases to total assets | 78.4712% | 1,291 |
| Net loans and leases to deposits | 106.8537% | 509 |
| Net loans and leases to core deposits | 138.1997% | 872 |
| Total domestic deposits to total assets | 73.4380% | 7,097 |
| Equity capital to assets | 9.9787% | 3,788 |
| Core capital (leverage) ratio | 8.1883% | 5,835 |
| Tier 1 risk-based capital ratio | 9.8248% | 7,004 |
| Total risk-based capital ratio | 11.0898% | 6,974 |
| Memoranda: | ||
| Average total assets | $253,277,000 | 2,575 |
| Average earning assets | $229,974,400 | 2,598 |
| Average equity | $28,433,400 | 2,339 |
| Average total loans | $209,797,400 | 2,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 1,445 |
| Cost of funding earning assets | 2.1881% | 2,461 |
| Net interest margin | 3.9805% | 2,892 |
| Noninterest income to average assets | 0.6272% | 3,516 |
| Noninterest expense to average assets | 3.1991% | 3,298 |
| Loan and lease loss provision to assets | 0.3624% | 4,150 |
| Net operating income to assets | 0.4401% | 4,230 |
| Return on assets (ROA) | 0.4401% | 4,337 |
| Pretax return on assets | 0.6894% | 3,896 |
| Return on Equity (ROE) | 3.8049% | 4,453 |
| Retained earnings to average equity (ytd only) | -0.3476% | 5,303 |
| Net charge-offs to loans | 0.2158% | 4,682 |
| Credit loss provision to net charge-offs | 201.1905% | 2,221 |
| Earnings coverage of net charge-offs (x) | 5.8393% | 2,721 |
| Efficiency ratio | 72.4716% | 4,156 |
| Assets per employee ($millions) | 3.0289% | 6,087 |
| Cash dividends to net income (ytd only)* | 109.1354% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,372 |
| Loan loss allowance to noncurrent loans | 21.0899% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 4.5880% | 1,324 |
| Noncurrent loans to loans | 4.6821% | 1,468 |
| Net loans and leases to total assets | 83.5016% | 606 |
| Net loans and leases to deposits | 112.1639% | 383 |
| Net loans and leases to core deposits | 143.7237% | 773 |
| Total domestic deposits to total assets | 74.4460% | 6,872 |
| Equity capital to assets | 11.6638% | 2,460 |
| Core capital (leverage) ratio | 9.7283% | 3,606 |
| Tier 1 risk-based capital ratio | 11.5088% | 5,419 |
| Total risk-based capital ratio | 12.5310% | 5,597 |
| Memoranda: | ||
| Average total assets | $248,726,750 | 2,635 |
| Average earning assets | $226,433,750 | 2,655 |
| Average equity | $28,769,250 | 2,338 |
| Average total loans | $207,638,750 | 2,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1963% | 1,470 |
| Cost of funding earning assets | 2.2515% | 2,570 |
| Net interest margin | 3.9448% | 2,909 |
| Noninterest income to average assets | 0.6078% | 3,631 |
| Noninterest expense to average assets | 3.1283% | 3,588 |
| Loan and lease loss provision to assets | 0.1709% | 5,360 |
| Net operating income to assets | 0.5956% | 3,696 |
| Return on assets (ROA) | 0.5956% | 3,802 |
| Pretax return on assets | 0.8966% | 3,349 |
| Return on Equity (ROE) | 5.1641% | 4,009 |
| Retained earnings to average equity (ytd only) | -0.3386% | 5,306 |
| Net charge-offs to loans | 0.1311% | 4,858 |
| Credit loss provision to net charge-offs | 156.7164% | 2,936 |
| Earnings coverage of net charge-offs (x) | 9.7910% | 2,076 |
| Efficiency ratio | 71.7084% | 4,473 |
| Assets per employee ($millions) | 3.0610% | 5,969 |
| Cash dividends to net income (ytd only)* | 106.5574% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,777 |
| Loan loss allowance to noncurrent loans | 58.5852% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 3,509 |
| Noncurrent loans to loans | 1.5326% | 4,199 |
| Net loans and leases to total assets | 81.6722% | 1,015 |
| Net loans and leases to deposits | 108.4626% | 626 |
| Net loans and leases to core deposits | 137.6930% | 1,119 |
| Total domestic deposits to total assets | 75.2998% | 6,697 |
| Equity capital to assets | 11.8300% | 2,305 |
| Core capital (leverage) ratio | 9.8482% | 3,451 |
| Tier 1 risk-based capital ratio | 11.7575% | 5,139 |
| Total risk-based capital ratio | 12.6749% | 5,378 |
| Memoranda: | ||
| Average total assets | $245,817,330 | 2,685 |
| Average earning assets | $223,585,330 | 2,704 |
| Average equity | $28,349,330 | 2,385 |
| Average total loans | $204,477,330 | 2,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1280% | 1,838 |
| Cost of funding earning assets | 2.3170% | 2,627 |
| Net interest margin | 3.8110% | 3,404 |
| Noninterest income to average assets | 0.5197% | 4,135 |
| Noninterest expense to average assets | 3.2173% | 2,907 |
| Loan and lease loss provision to assets | 0.1489% | 5,029 |
| Net operating income to assets | 0.4717% | 4,559 |
| Return on assets (ROA) | 0.4717% | 4,749 |
| Pretax return on assets | 0.6322% | 4,647 |
| Return on Equity (ROE) | 4.1461% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.1461% | 3,603 |
| Net charge-offs to loans | 0.3148% | 2,844 |
| Credit loss provision to net charge-offs | 56.6038% | 4,576 |
| Earnings coverage of net charge-offs (x) | 2.9686% | 3,319 |
| Efficiency ratio | 77.4007% | 3,270 |
| Assets per employee ($millions) | 3.0274% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,913 |
| Loan loss allowance to noncurrent loans | 75.5991% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 4,428 |
| Noncurrent loans to loans | 1.1371% | 4,720 |
| Net loans and leases to total assets | 81.5966% | 1,082 |
| Net loans and leases to deposits | 109.0856% | 661 |
| Net loans and leases to core deposits | 139.8190% | 1,107 |
| Total domestic deposits to total assets | 74.8006% | 6,745 |
| Equity capital to assets | 12.3923% | 2,036 |
| Core capital (leverage) ratio | 10.3696% | 3,051 |
| Tier 1 risk-based capital ratio | 12.2700% | 4,730 |
| Total risk-based capital ratio | 13.1443% | 4,954 |
| Memoranda: | ||
| Average total assets | $241,692,500 | 2,753 |
| Average earning assets | $220,625,500 | 2,756 |
| Average equity | $27,496,000 | 2,454 |
| Average total loans | $202,025,000 | 2,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0302% | 1,050 |
| Cost of funding earning assets | 2.8398% | 2,528 |
| Net interest margin | 4.1904% | 2,351 |
| Noninterest income to average assets | 0.6096% | 3,776 |
| Noninterest expense to average assets | 3.2237% | 3,243 |
| Loan and lease loss provision to assets | 0.1676% | 5,235 |
| Net operating income to assets | 0.6409% | 4,140 |
| Return on assets (ROA) | 0.6409% | 3,992 |
| Pretax return on assets | 0.9870% | 3,424 |
| Return on Equity (ROE) | 6.1094% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.9966% | 3,307 |
| Net charge-offs to loans | 0.1349% | 4,873 |
| Credit loss provision to net charge-offs | 147.5096% | 3,580 |
| Earnings coverage of net charge-offs (x) | 10.1609% | 2,566 |
| Efficiency ratio | 70.7041% | 4,201 |
| Assets per employee ($millions) | 3.0148% | 6,024 |
| Cash dividends to net income (ytd only)* | 50.9511% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,716 |
| Loan loss allowance to noncurrent loans | 49.6971% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 2,937 |
| Noncurrent loans to loans | 1.7960% | 3,066 |
| Net loans and leases to total assets | 84.1512% | 864 |
| Net loans and leases to deposits | 110.8369% | 778 |
| Net loans and leases to core deposits | 143.9472% | 1,095 |
| Total domestic deposits to total assets | 75.9234% | 6,260 |
| Equity capital to assets | 10.3305% | 3,682 |
| Core capital (leverage) ratio | 8.1242% | 6,290 |
| Tier 1 risk-based capital ratio | 9.2936% | 7,530 |
| Total risk-based capital ratio | 10.2007% | 7,827 |
| Memoranda: | ||
| Average total assets | $229,676,400 | 2,768 |
| Average earning assets | $206,566,200 | 2,809 |
| Average equity | $24,094,200 | 2,722 |
| Average total loans | $193,499,600 | 2,362 |