Home > InFirst Bank > Performance and Condition Ratios
InFirst Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 1,716 |
| Cost of funding earning assets | 1.5101% | 1,919 |
| Net interest margin | 3.6618% | 1,832 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.0498% | 1,041 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5602% | 3,537 |
| Return on assets (ROA) | 0.5602% | 3,526 |
| Pretax return on assets | 0.7721% | 3,278 |
| Return on Equity (ROE) | 6.0100% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0070% | 2,236 |
| Net charge-offs to loans | 0.0685% | 1,166 |
| Credit loss provision to net charge-offs | 165.6347% | 1,378 |
| Earnings coverage of net charge-offs (x) | 14.1641% | 2,086 |
| Efficiency ratio | 77.7177% | 1,088 |
| Assets per employee ($millions) | 4.5870% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,507 |
| Loan loss allowance to noncurrent loans | 275.8877% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,202 |
| Noncurrent loans to loans | 0.4969% | 1,542 |
| Net loans and leases to total assets | 88.8200% | 63 |
| Net loans and leases to deposits | 100.7863% | 494 |
| Net loans and leases to core deposits | 109.7835% | 967 |
| Total domestic deposits to total assets | 88.1300% | 1,301 |
| Equity capital to assets | 9.3371% | 2,467 |
| Core capital (leverage) ratio | 9.8704% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4537% | 1,405 |
| Memoranda: | ||
| Average total assets | $523,220,600 | 1,680 |
| Average earning assets | $493,283,600 | 1,656 |
| Average equity | $48,792,800 | 1,640 |
| Average total loans | $471,504,400 | 1,290 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 1,599 |
| Cost of funding earning assets | 1.3690% | 1,953 |
| Net interest margin | 3.7488% | 1,691 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.0665% | 971 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.5814% | 3,591 |
| Return on assets (ROA) | 0.5814% | 3,577 |
| Pretax return on assets | 0.7994% | 3,336 |
| Return on Equity (ROE) | 6.2400% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.2369% | 2,558 |
| Net charge-offs to loans | 0.0091% | 2,066 |
| Credit loss provision to net charge-offs | 1,671.8750% | 283 |
| Earnings coverage of net charge-offs (x) | 113.9063% | 866 |
| Efficiency ratio | 76.5971% | 1,122 |
| Assets per employee ($millions) | 4.4849% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,241 |
| Loan loss allowance to noncurrent loans | 271.1120% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 1,089 |
| Noncurrent loans to loans | 0.5362% | 1,484 |
| Net loans and leases to total assets | 89.3200% | 48 |
| Net loans and leases to deposits | 100.5454% | 485 |
| Net loans and leases to core deposits | 108.8488% | 916 |
| Total domestic deposits to total assets | 88.8400% | 1,307 |
| Equity capital to assets | 9.2406% | 2,264 |
| Core capital (leverage) ratio | 9.8583% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4762% | 1,432 |
| Memoranda: | ||
| Average total assets | $518,710,000 | 1,688 |
| Average earning assets | $488,926,750 | 1,666 |
| Average equity | $48,356,500 | 1,638 |
| Average total loans | $467,518,500 | 1,298 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 1,522 |
| Cost of funding earning assets | 1.2046% | 1,975 |
| Net interest margin | 3.8206% | 1,581 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.0753% | 929 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6071% | 3,556 |
| Return on assets (ROA) | 0.6071% | 3,563 |
| Pretax return on assets | 0.8525% | 3,278 |
| Return on Equity (ROE) | 6.4900% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.4931% | 2,451 |
| Net charge-offs to loans | -0.0250% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.5916% | 1,213 |
| Assets per employee ($millions) | 4.3830% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,357 |
| Loan loss allowance to noncurrent loans | 279.2866% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 1,048 |
| Noncurrent loans to loans | 0.5190% | 1,424 |
| Net loans and leases to total assets | 89.0600% | 53 |
| Net loans and leases to deposits | 100.6803% | 487 |
| Net loans and leases to core deposits | 109.0648% | 866 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 9.3031% | 2,313 |
| Core capital (leverage) ratio | 9.9564% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4248% | 1,446 |
| Memoranda: | ||
| Average total assets | $515,207,333 | 1,694 |
| Average earning assets | $485,477,000 | 1,674 |
| Average equity | $48,174,333 | 1,646 |
| Average total loans | $463,466,333 | 1,296 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 1,503 |
| Cost of funding earning assets | 1.0284% | 1,950 |
| Net interest margin | 3.8227% | 1,639 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.1312% | 891 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6080% | 3,672 |
| Return on assets (ROA) | 0.6080% | 3,635 |
| Pretax return on assets | 0.8575% | 3,332 |
| Return on Equity (ROE) | 6.4900% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,648 |
| Net charge-offs to loans | 0.0079% | 1,655 |
| Credit loss provision to net charge-offs | 1,333.3333% | 304 |
| Earnings coverage of net charge-offs (x) | 134.7778% | 650 |
| Efficiency ratio | 76.6910% | 1,110 |
| Assets per employee ($millions) | 4.3469% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,508 |
| Loan loss allowance to noncurrent loans | 304.9583% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 1,126 |
| Noncurrent loans to loans | 0.4676% | 1,548 |
| Net loans and leases to total assets | 88.6800% | 54 |
| Net loans and leases to deposits | 100.1797% | 440 |
| Net loans and leases to core deposits | 108.1643% | 748 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 9.4201% | 2,213 |
| Core capital (leverage) ratio | 10.0053% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6231% | 1,462 |
| Memoranda: | ||
| Average total assets | $509,829,500 | 1,722 |
| Average earning assets | $479,971,500 | 1,705 |
| Average equity | $47,796,000 | 1,668 |
| Average total loans | $457,546,500 | 1,324 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 662 |
| Cost of funding earning assets | 0.5119% | 1,310 |
| Net interest margin | 4.0372% | 742 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.1184% | 816 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.7616% | 3,449 |
| Return on assets (ROA) | 0.7616% | 3,390 |
| Pretax return on assets | 1.0433% | 2,933 |
| Return on Equity (ROE) | 8.0200% | 3,386 |
| Retained earnings to average equity (ytd only) | 8.0177% | 1,822 |
| Net charge-offs to loans | 0.0484% | 1,195 |
| Credit loss provision to net charge-offs | 265.0718% | 974 |
| Earnings coverage of net charge-offs (x) | 26.9952% | 1,742 |
| Efficiency ratio | 72.9400% | 1,338 |
| Assets per employee ($millions) | 4.2227% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,412 |
| Loan loss allowance to noncurrent loans | 284.2267% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 1,053 |
| Noncurrent loans to loans | 0.5017% | 1,444 |
| Net loans and leases to total assets | 88.2400% | 65 |
| Net loans and leases to deposits | 99.3914% | 462 |
| Net loans and leases to core deposits | 107.4014% | 693 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 9.3291% | 2,127 |
| Core capital (leverage) ratio | 10.0365% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6294% | 1,447 |
| Memoranda: | ||
| Average total assets | $487,686,800 | 1,749 |
| Average earning assets | $457,293,600 | 1,738 |
| Average equity | $46,322,600 | 1,722 |
| Average total loans | $432,071,000 | 1,311 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 526 |
| Cost of funding earning assets | 0.4661% | 901 |
| Net interest margin | 3.9979% | 640 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.0751% | 821 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8192% | 3,175 |
| Return on assets (ROA) | 0.8192% | 3,139 |
| Pretax return on assets | 1.0883% | 2,758 |
| Return on Equity (ROE) | 8.5800% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.5839% | 1,797 |
| Net charge-offs to loans | 0.0328% | 1,192 |
| Credit loss provision to net charge-offs | 309.5238% | 800 |
| Earnings coverage of net charge-offs (x) | 40.6381% | 1,382 |
| Efficiency ratio | 72.3012% | 1,476 |
| Assets per employee ($millions) | 4.1805% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,526 |
| Loan loss allowance to noncurrent loans | 275.3472% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 1,088 |
| Noncurrent loans to loans | 0.5176% | 1,504 |
| Net loans and leases to total assets | 88.2100% | 57 |
| Net loans and leases to deposits | 99.6279% | 374 |
| Net loans and leases to core deposits | 106.2707% | 579 |
| Total domestic deposits to total assets | 88.5300% | 2,267 |
| Equity capital to assets | 9.2829% | 2,026 |
| Core capital (leverage) ratio | 9.9789% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6298% | 1,522 |
| Memoranda: | ||
| Average total assets | $482,927,250 | 1,774 |
| Average earning assets | $452,522,250 | 1,759 |
| Average equity | $46,085,000 | 1,749 |
| Average total loans | $426,682,750 | 1,315 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 497 |
| Cost of funding earning assets | 0.4447% | 705 |
| Net interest margin | 3.8932% | 613 |
| Noninterest income to average assets | 0.4928% | 2,244 |
| Noninterest expense to average assets | 3.0422% | 804 |
| Loan and lease loss provision to assets | 0.0105% | 2,400 |
| Net operating income to assets | 0.8015% | 2,952 |
| Return on assets (ROA) | 0.8015% | 2,919 |
| Pretax return on assets | 1.0915% | 2,435 |
| Return on Equity (ROE) | 8.3208% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.3208% | 1,502 |
| Net charge-offs to loans | -0.0419% | 4,166 |
| Credit loss provision to net charge-offs | -28.4091% | 3,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4101% | 1,580 |
| Assets per employee ($millions) | 4.0628% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,634 |
| Loan loss allowance to noncurrent loans | 263.5403% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 977 |
| Noncurrent loans to loans | 0.5431% | 1,529 |
| Net loans and leases to total assets | 88.1157% | 41 |
| Net loans and leases to deposits | 98.4192% | 327 |
| Net loans and leases to core deposits | 104.3925% | 493 |
| Total domestic deposits to total assets | 89.5309% | 1,928 |
| Equity capital to assets | 9.4447% | 2,061 |
| Core capital (leverage) ratio | 9.9636% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6703% | 1,517 |
| Memoranda: | ||
| Average total assets | $478,078,333 | 1,796 |
| Average earning assets | $448,367,000 | 1,788 |
| Average equity | $46,053,333 | 1,800 |
| Average total loans | $420,529,333 | 1,327 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 496 |
| Cost of funding earning assets | 0.4416% | 685 |
| Net interest margin | 3.7843% | 653 |
| Noninterest income to average assets | 0.5011% | 2,133 |
| Noninterest expense to average assets | 3.1191% | 675 |
| Loan and lease loss provision to assets | 0.0211% | 1,975 |
| Net operating income to assets | 0.6735% | 3,150 |
| Return on assets (ROA) | 0.6735% | 3,135 |
| Pretax return on assets | 0.9093% | 2,740 |
| Return on Equity (ROE) | 6.9219% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.9219% | 1,911 |
| Net charge-offs to loans | -0.0620% | 4,335 |
| Credit loss provision to net charge-offs | -39.0625% | 2,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0242% | 1,406 |
| Assets per employee ($millions) | 4.2192% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,603 |
| Loan loss allowance to noncurrent loans | 235.3788% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 957 |
| Noncurrent loans to loans | 0.6306% | 1,489 |
| Net loans and leases to total assets | 85.7527% | 57 |
| Net loans and leases to deposits | 97.2056% | 249 |
| Net loans and leases to core deposits | 103.9474% | 400 |
| Total domestic deposits to total assets | 88.2178% | 2,421 |
| Equity capital to assets | 9.5273% | 2,260 |
| Core capital (leverage) ratio | 9.9658% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8461% | 1,550 |
| Memoranda: | ||
| Average total assets | $473,347,000 | 1,815 |
| Average earning assets | $443,832,000 | 1,811 |
| Average equity | $46,056,500 | 1,851 |
| Average total loans | $412,875,000 | 1,338 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 589 |
| Cost of funding earning assets | 0.6051% | 531 |
| Net interest margin | 3.9149% | 831 |
| Noninterest income to average assets | 0.4722% | 2,708 |
| Noninterest expense to average assets | 3.1417% | 797 |
| Loan and lease loss provision to assets | 0.2605% | 343 |
| Net operating income to assets | 0.5390% | 4,002 |
| Return on assets (ROA) | 0.5640% | 3,996 |
| Pretax return on assets | 0.7787% | 3,769 |
| Return on Equity (ROE) | 5.7136% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.7136% | 2,469 |
| Net charge-offs to loans | 0.1294% | 707 |
| Credit loss provision to net charge-offs | 233.9181% | 1,212 |
| Earnings coverage of net charge-offs (x) | 9.0468% | 2,276 |
| Efficiency ratio | 75.7181% | 1,128 |
| Assets per employee ($millions) | 4.1213% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,536 |
| Loan loss allowance to noncurrent loans | 193.6453% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 833 |
| Noncurrent loans to loans | 0.7770% | 1,313 |
| Net loans and leases to total assets | 86.0953% | 58 |
| Net loans and leases to deposits | 98.1910% | 244 |
| Net loans and leases to core deposits | 104.4407% | 401 |
| Total domestic deposits to total assets | 87.6815% | 2,208 |
| Equity capital to assets | 9.9393% | 2,710 |
| Core capital (leverage) ratio | 9.9590% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0190% | 1,505 |
| Memoranda: | ||
| Average total assets | $460,636,200 | 1,812 |
| Average earning assets | $432,650,200 | 1,794 |
| Average equity | $45,470,600 | 1,908 |
| Average total loans | $396,451,000 | 1,385 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 616 |
| Cost of funding earning assets | 0.6474% | 500 |
| Net interest margin | 3.9025% | 938 |
| Noninterest income to average assets | 0.4754% | 2,730 |
| Noninterest expense to average assets | 3.1080% | 810 |
| Loan and lease loss provision to assets | 0.2612% | 340 |
| Net operating income to assets | 0.5671% | 4,068 |
| Return on assets (ROA) | 0.5680% | 4,111 |
| Pretax return on assets | 0.7761% | 3,938 |
| Return on Equity (ROE) | 5.7643% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.7643% | 2,925 |
| Net charge-offs to loans | 0.1425% | 576 |
| Credit loss provision to net charge-offs | 213.7767% | 1,171 |
| Earnings coverage of net charge-offs (x) | 8.4798% | 2,102 |
| Efficiency ratio | 74.9965% | 1,125 |
| Assets per employee ($millions) | 4.0111% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,667 |
| Loan loss allowance to noncurrent loans | 116.3847% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 522 |
| Noncurrent loans to loans | 1.2811% | 851 |
| Net loans and leases to total assets | 85.4920% | 74 |
| Net loans and leases to deposits | 96.2663% | 339 |
| Net loans and leases to core deposits | 102.3284% | 514 |
| Total domestic deposits to total assets | 88.8078% | 1,396 |
| Equity capital to assets | 10.0482% | 2,860 |
| Core capital (leverage) ratio | 9.8039% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7205% | 1,421 |
| Memoranda: | ||
| Average total assets | $459,368,750 | 1,832 |
| Average earning assets | $431,849,500 | 1,817 |
| Average equity | $45,266,250 | 1,935 |
| Average total loans | $393,794,750 | 1,424 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 608 |
| Cost of funding earning assets | 0.7032% | 463 |
| Net interest margin | 3.9126% | 949 |
| Noninterest income to average assets | 0.4578% | 2,808 |
| Noninterest expense to average assets | 3.0569% | 900 |
| Loan and lease loss provision to assets | 0.2608% | 371 |
| Net operating income to assets | 0.6016% | 3,982 |
| Return on assets (ROA) | 0.6016% | 4,036 |
| Pretax return on assets | 0.8212% | 3,815 |
| Return on Equity (ROE) | 6.1457% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.1457% | 2,743 |
| Net charge-offs to loans | 0.1151% | 672 |
| Credit loss provision to net charge-offs | 265.4867% | 945 |
| Earnings coverage of net charge-offs (x) | 11.0133% | 1,780 |
| Efficiency ratio | 73.8578% | 1,253 |
| Assets per employee ($millions) | 4.2573% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,665 |
| Loan loss allowance to noncurrent loans | 106.0982% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 542 |
| Noncurrent loans to loans | 1.3918% | 837 |
| Net loans and leases to total assets | 83.5504% | 150 |
| Net loans and leases to deposits | 94.4269% | 439 |
| Net loans and leases to core deposits | 100.8469% | 635 |
| Total domestic deposits to total assets | 88.4816% | 1,573 |
| Equity capital to assets | 9.8315% | 3,023 |
| Core capital (leverage) ratio | 9.6353% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1131% | 1,935 |
| Memoranda: | ||
| Average total assets | $460,070,333 | 1,819 |
| Average earning assets | $432,855,667 | 1,805 |
| Average equity | $45,039,333 | 1,931 |
| Average total loans | $392,779,333 | 1,432 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 483 |
| Cost of funding earning assets | 0.7789% | 392 |
| Net interest margin | 4.0272% | 812 |
| Noninterest income to average assets | 0.4253% | 2,957 |
| Noninterest expense to average assets | 3.0196% | 962 |
| Loan and lease loss provision to assets | 0.2620% | 383 |
| Net operating income to assets | 0.6846% | 3,748 |
| Return on assets (ROA) | 0.6846% | 3,812 |
| Pretax return on assets | 0.9317% | 3,537 |
| Return on Equity (ROE) | 7.0082% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.0082% | 2,574 |
| Net charge-offs to loans | 0.2926% | 284 |
| Credit loss provision to net charge-offs | 104.5296% | 1,090 |
| Earnings coverage of net charge-offs (x) | 4.7631% | 1,710 |
| Efficiency ratio | 71.6684% | 1,530 |
| Assets per employee ($millions) | 4.4760% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,992 |
| Loan loss allowance to noncurrent loans | 118.6548% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 774 |
| Noncurrent loans to loans | 1.1738% | 1,131 |
| Net loans and leases to total assets | 82.9048% | 186 |
| Net loans and leases to deposits | 93.5225% | 520 |
| Net loans and leases to core deposits | 100.2283% | 702 |
| Total domestic deposits to total assets | 88.6470% | 1,538 |
| Equity capital to assets | 9.6731% | 3,037 |
| Core capital (leverage) ratio | 9.7522% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2787% | 1,822 |
| Memoranda: | ||
| Average total assets | $458,081,000 | 1,817 |
| Average earning assets | $430,869,000 | 1,802 |
| Average equity | $44,747,500 | 1,928 |
| Average total loans | $392,406,000 | 1,442 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 675 |
| Cost of funding earning assets | 1.1482% | 339 |
| Net interest margin | 3.7000% | 1,800 |
| Noninterest income to average assets | 0.3989% | 3,092 |
| Noninterest expense to average assets | 2.9683% | 1,509 |
| Loan and lease loss provision to assets | 0.3274% | 1,103 |
| Net operating income to assets | 0.4281% | 4,186 |
| Return on assets (ROA) | 0.4281% | 4,266 |
| Pretax return on assets | 0.5816% | 4,117 |
| Return on Equity (ROE) | 4.3610% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.3610% | 2,615 |
| Net charge-offs to loans | 0.2824% | 608 |
| Credit loss provision to net charge-offs | 135.1351% | 2,520 |
| Earnings coverage of net charge-offs (x) | 3.7521% | 3,056 |
| Efficiency ratio | 76.5562% | 1,166 |
| Assets per employee ($millions) | 4.3753% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,042 |
| Loan loss allowance to noncurrent loans | 117.1010% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 805 |
| Noncurrent loans to loans | 1.1801% | 1,200 |
| Net loans and leases to total assets | 86.0960% | 95 |
| Net loans and leases to deposits | 97.7308% | 470 |
| Net loans and leases to core deposits | 104.8992% | 691 |
| Total domestic deposits to total assets | 88.0951% | 1,428 |
| Equity capital to assets | 9.8669% | 3,249 |
| Core capital (leverage) ratio | 9.4878% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7671% | 1,943 |
| Memoranda: | ||
| Average total assets | $442,920,800 | 1,728 |
| Average earning assets | $416,384,000 | 1,710 |
| Average equity | $43,476,000 | 1,889 |
| Average total loans | $380,009,800 | 1,422 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 788 |
| Cost of funding earning assets | 1.2043% | 366 |
| Net interest margin | 3.6605% | 2,061 |
| Noninterest income to average assets | 0.3934% | 3,112 |
| Noninterest expense to average assets | 2.9497% | 1,565 |
| Loan and lease loss provision to assets | 0.3429% | 1,115 |
| Net operating income to assets | 0.3994% | 4,265 |
| Return on assets (ROA) | 0.3994% | 4,334 |
| Pretax return on assets | 0.5406% | 4,207 |
| Return on Equity (ROE) | 4.0744% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.0744% | 3,007 |
| Net charge-offs to loans | 0.4294% | 370 |
| Credit loss provision to net charge-offs | 93.4872% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.4089% | 2,991 |
| Efficiency ratio | 76.9522% | 1,124 |
| Assets per employee ($millions) | 4.3704% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,359 |
| Loan loss allowance to noncurrent loans | 127.3843% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 1,281 |
| Noncurrent loans to loans | 0.9875% | 1,516 |
| Net loans and leases to total assets | 85.2180% | 196 |
| Net loans and leases to deposits | 97.4163% | 666 |
| Net loans and leases to core deposits | 106.2547% | 838 |
| Total domestic deposits to total assets | 87.4782% | 1,463 |
| Equity capital to assets | 9.5895% | 3,617 |
| Core capital (leverage) ratio | 9.4236% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1056% | 2,151 |
| Memoranda: | ||
| Average total assets | $440,987,000 | 1,706 |
| Average earning assets | $414,401,000 | 1,690 |
| Average equity | $43,228,500 | 1,889 |
| Average total loans | $376,653,750 | 1,424 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,043 |
| Cost of funding earning assets | 1.2700% | 406 |
| Net interest margin | 3.5864% | 2,529 |
| Noninterest income to average assets | 0.3733% | 3,238 |
| Noninterest expense to average assets | 2.9346% | 1,754 |
| Loan and lease loss provision to assets | 0.3765% | 1,104 |
| Net operating income to assets | 0.3246% | 4,372 |
| Return on assets (ROA) | 0.3246% | 4,425 |
| Pretax return on assets | 0.4326% | 4,368 |
| Return on Equity (ROE) | 3.2861% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.2861% | 3,274 |
| Net charge-offs to loans | 0.1605% | 924 |
| Credit loss provision to net charge-offs | 275.7576% | 1,681 |
| Earnings coverage of net charge-offs (x) | 5.9259% | 2,480 |
| Efficiency ratio | 78.3863% | 1,018 |
| Assets per employee ($millions) | 4.4444% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 1,446 |
| Loan loss allowance to noncurrent loans | 110.2508% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 936 |
| Noncurrent loans to loans | 1.3073% | 1,183 |
| Net loans and leases to total assets | 84.2016% | 237 |
| Net loans and leases to deposits | 96.3749% | 764 |
| Net loans and leases to core deposits | 104.9438% | 946 |
| Total domestic deposits to total assets | 87.3688% | 1,463 |
| Equity capital to assets | 9.6188% | 3,551 |
| Core capital (leverage) ratio | 9.5131% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3582% | 2,047 |
| Memoranda: | ||
| Average total assets | $435,017,333 | 1,701 |
| Average earning assets | $408,826,333 | 1,679 |
| Average equity | $42,969,333 | 1,883 |
| Average total loans | $370,190,333 | 1,428 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 1,269 |
| Cost of funding earning assets | 1.3561% | 476 |
| Net interest margin | 3.5134% | 2,937 |
| Noninterest income to average assets | 0.4368% | 2,867 |
| Noninterest expense to average assets | 3.0263% | 1,822 |
| Loan and lease loss provision to assets | 0.4368% | 693 |
| Net operating income to assets | 0.2151% | 4,504 |
| Return on assets (ROA) | 0.2151% | 4,516 |
| Pretax return on assets | 0.2733% | 4,490 |
| Return on Equity (ROE) | 2.1476% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.1476% | 3,387 |
| Net charge-offs to loans | 0.3219% | 454 |
| Credit loss provision to net charge-offs | 159.7938% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.5979% | 2,271 |
| Efficiency ratio | 80.9955% | 1,043 |
| Assets per employee ($millions) | 4.1898% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,550 |
| Loan loss allowance to noncurrent loans | 120.6777% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,170 |
| Noncurrent loans to loans | 1.1935% | 1,369 |
| Net loans and leases to total assets | 83.0138% | 355 |
| Net loans and leases to deposits | 97.4543% | 781 |
| Net loans and leases to core deposits | 106.8783% | 1,008 |
| Total domestic deposits to total assets | 85.1823% | 2,343 |
| Equity capital to assets | 10.0098% | 3,774 |
| Core capital (leverage) ratio | 9.8466% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2669% | 2,169 |
| Memoranda: | ||
| Average total assets | $425,861,000 | 1,689 |
| Average earning assets | $399,960,000 | 1,674 |
| Average equity | $42,651,500 | 1,891 |
| Average total loans | $361,639,000 | 1,418 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 1,462 |
| Cost of funding earning assets | 1.3856% | 594 |
| Net interest margin | 3.6200% | 3,076 |
| Noninterest income to average assets | 0.4294% | 3,111 |
| Noninterest expense to average assets | 2.9966% | 2,029 |
| Loan and lease loss provision to assets | 0.1816% | 1,137 |
| Net operating income to assets | 0.4878% | 4,428 |
| Return on assets (ROA) | 0.4878% | 4,479 |
| Pretax return on assets | 0.6524% | 4,321 |
| Return on Equity (ROE) | 4.9148% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.9148% | 2,467 |
| Net charge-offs to loans | 0.0809% | 1,948 |
| Credit loss provision to net charge-offs | 263.1579% | 1,054 |
| Earnings coverage of net charge-offs (x) | 12.0877% | 2,435 |
| Efficiency ratio | 78.2293% | 1,121 |
| Assets per employee ($millions) | 4.0794% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,503 |
| Loan loss allowance to noncurrent loans | 136.0118% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 1,302 |
| Noncurrent loans to loans | 1.0342% | 1,465 |
| Net loans and leases to total assets | 84.4263% | 288 |
| Net loans and leases to deposits | 98.6603% | 702 |
| Net loans and leases to core deposits | 108.3123% | 957 |
| Total domestic deposits to total assets | 85.5727% | 2,254 |
| Equity capital to assets | 10.0210% | 3,898 |
| Core capital (leverage) ratio | 9.9136% | 3,604 |
| Tier 1 risk-based capital ratio | 13.3125% | 3,626 |
| Total risk-based capital ratio | 14.5671% | 3,504 |
| Memoranda: | ||
| Average total assets | $413,098,800 | 1,699 |
| Average earning assets | $388,126,400 | 1,673 |
| Average equity | $40,999,000 | 1,886 |
| Average total loans | $352,141,600 | 1,415 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 1,529 |
| Cost of funding earning assets | 1.3775% | 616 |
| Net interest margin | 3.6251% | 3,182 |
| Noninterest income to average assets | 0.4279% | 3,159 |
| Noninterest expense to average assets | 2.9627% | 2,076 |
| Loan and lease loss provision to assets | 0.1896% | 943 |
| Net operating income to assets | 0.5096% | 4,496 |
| Return on assets (ROA) | 0.5096% | 4,546 |
| Pretax return on assets | 0.6826% | 4,382 |
| Return on Equity (ROE) | 5.1469% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.1469% | 2,820 |
| Net charge-offs to loans | 0.0560% | 2,031 |
| Credit loss provision to net charge-offs | 397.9592% | 762 |
| Earnings coverage of net charge-offs (x) | 18.3057% | 2,054 |
| Efficiency ratio | 77.2547% | 1,184 |
| Assets per employee ($millions) | 4.0409% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,439 |
| Loan loss allowance to noncurrent loans | 165.5377% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 1,734 |
| Noncurrent loans to loans | 0.8669% | 1,846 |
| Net loans and leases to total assets | 82.2754% | 534 |
| Net loans and leases to deposits | 96.4135% | 969 |
| Net loans and leases to core deposits | 106.6669% | 1,134 |
| Total domestic deposits to total assets | 85.3359% | 2,281 |
| Equity capital to assets | 9.9374% | 4,084 |
| Core capital (leverage) ratio | 9.8533% | 3,781 |
| Tier 1 risk-based capital ratio | 13.3270% | 3,670 |
| Total risk-based capital ratio | 14.5816% | 3,567 |
| Memoranda: | ||
| Average total assets | $411,329,250 | 1,715 |
| Average earning assets | $386,595,000 | 1,692 |
| Average equity | $40,722,250 | 1,908 |
| Average total loans | $350,226,750 | 1,434 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 1,497 |
| Cost of funding earning assets | 1.3523% | 641 |
| Net interest margin | 3.6421% | 3,126 |
| Noninterest income to average assets | 0.4300% | 3,067 |
| Noninterest expense to average assets | 2.9440% | 2,155 |
| Loan and lease loss provision to assets | 0.1910% | 920 |
| Net operating income to assets | 0.5304% | 4,459 |
| Return on assets (ROA) | 0.5304% | 4,488 |
| Pretax return on assets | 0.7195% | 4,285 |
| Return on Equity (ROE) | 5.3646% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.3646% | 2,590 |
| Net charge-offs to loans | 0.0686% | 1,677 |
| Credit loss provision to net charge-offs | 325.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 15.4917% | 1,983 |
| Efficiency ratio | 76.3787% | 1,345 |
| Assets per employee ($millions) | 3.9703% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,658 |
| Loan loss allowance to noncurrent loans | 186.3654% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 1,677 |
| Noncurrent loans to loans | 0.7453% | 2,125 |
| Net loans and leases to total assets | 83.6622% | 392 |
| Net loans and leases to deposits | 98.8723% | 757 |
| Net loans and leases to core deposits | 109.3687% | 1,009 |
| Total domestic deposits to total assets | 84.6164% | 2,634 |
| Equity capital to assets | 9.9868% | 3,985 |
| Core capital (leverage) ratio | 9.9971% | 3,586 |
| Tier 1 risk-based capital ratio | 13.4860% | 3,591 |
| Total risk-based capital ratio | 14.7403% | 3,485 |
| Memoranda: | ||
| Average total assets | $408,355,330 | 1,729 |
| Average earning assets | $383,950,330 | 1,711 |
| Average equity | $40,375,670 | 1,916 |
| Average total loans | $350,036,670 | 1,437 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 1,448 |
| Cost of funding earning assets | 1.3385% | 580 |
| Net interest margin | 3.6201% | 3,180 |
| Noninterest income to average assets | 0.4157% | 3,076 |
| Noninterest expense to average assets | 2.9315% | 2,181 |
| Loan and lease loss provision to assets | 0.1921% | 845 |
| Net operating income to assets | 0.5181% | 4,465 |
| Return on assets (ROA) | 0.5181% | 4,486 |
| Pretax return on assets | 0.7023% | 4,292 |
| Return on Equity (ROE) | 5.2672% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.2672% | 2,789 |
| Net charge-offs to loans | 0.0777% | 1,299 |
| Credit loss provision to net charge-offs | 286.7647% | 854 |
| Earnings coverage of net charge-offs (x) | 13.3529% | 1,841 |
| Efficiency ratio | 76.6220% | 1,435 |
| Assets per employee ($millions) | 4.2178% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,871 |
| Loan loss allowance to noncurrent loans | 195.8938% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 1,756 |
| Noncurrent loans to loans | 0.6894% | 2,297 |
| Net loans and leases to total assets | 84.3225% | 344 |
| Net loans and leases to deposits | 102.9348% | 453 |
| Net loans and leases to core deposits | 113.4568% | 764 |
| Total domestic deposits to total assets | 81.9184% | 3,745 |
| Equity capital to assets | 9.8661% | 3,951 |
| Core capital (leverage) ratio | 9.8910% | 3,724 |
| Tier 1 risk-based capital ratio | 13.5277% | 3,590 |
| Total risk-based capital ratio | 14.7818% | 3,503 |
| Memoranda: | ||
| Average total assets | $406,076,000 | 1,749 |
| Average earning assets | $382,526,000 | 1,723 |
| Average equity | $39,945,000 | 1,922 |
| Average total loans | $349,895,500 | 1,437 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 1,370 |
| Cost of funding earning assets | 1.0849% | 526 |
| Net interest margin | 3.7844% | 2,724 |
| Noninterest income to average assets | 0.4294% | 3,248 |
| Noninterest expense to average assets | 2.9178% | 2,288 |
| Loan and lease loss provision to assets | 0.2303% | 775 |
| Net operating income to assets | 0.6449% | 4,298 |
| Return on assets (ROA) | 0.6449% | 4,305 |
| Pretax return on assets | 0.8440% | 4,056 |
| Return on Equity (ROE) | 6.6105% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.6105% | 1,858 |
| Net charge-offs to loans | 0.1219% | 1,515 |
| Credit loss provision to net charge-offs | 212.2642% | 1,365 |
| Earnings coverage of net charge-offs (x) | 9.9009% | 2,773 |
| Efficiency ratio | 73.0897% | 1,749 |
| Assets per employee ($millions) | 4.1982% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,979 |
| Loan loss allowance to noncurrent loans | 155.4804% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 1,725 |
| Noncurrent loans to loans | 0.8444% | 1,912 |
| Net loans and leases to total assets | 85.7232% | 252 |
| Net loans and leases to deposits | 105.7988% | 382 |
| Net loans and leases to core deposits | 116.8747% | 656 |
| Total domestic deposits to total assets | 81.0247% | 3,881 |
| Equity capital to assets | 9.8071% | 3,858 |
| Core capital (leverage) ratio | 10.0604% | 3,509 |
| Tier 1 risk-based capital ratio | 13.3898% | 3,611 |
| Total risk-based capital ratio | 14.6436% | 3,505 |
| Memoranda: | ||
| Average total assets | $390,779,200 | 1,759 |
| Average earning assets | $367,880,600 | 1,734 |
| Average equity | $38,121,000 | 1,934 |
| Average total loans | $347,733,800 | 1,413 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 1,313 |
| Cost of funding earning assets | 1.0340% | 512 |
| Net interest margin | 3.8094% | 2,611 |
| Noninterest income to average assets | 0.4244% | 3,328 |
| Noninterest expense to average assets | 2.9485% | 2,171 |
| Loan and lease loss provision to assets | 0.2252% | 728 |
| Net operating income to assets | 0.6369% | 4,406 |
| Return on assets (ROA) | 0.6369% | 4,416 |
| Pretax return on assets | 0.8346% | 4,211 |
| Return on Equity (ROE) | 6.5376% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.5376% | 2,368 |
| Net charge-offs to loans | 0.0676% | 1,869 |
| Credit loss provision to net charge-offs | 372.1591% | 861 |
| Earnings coverage of net charge-offs (x) | 17.5114% | 2,108 |
| Efficiency ratio | 73.5587% | 1,657 |
| Assets per employee ($millions) | 4.0634% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 1,996 |
| Loan loss allowance to noncurrent loans | 167.6020% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 1,898 |
| Noncurrent loans to loans | 0.7874% | 2,134 |
| Net loans and leases to total assets | 87.2456% | 171 |
| Net loans and leases to deposits | 107.4073% | 380 |
| Net loans and leases to core deposits | 114.6010% | 789 |
| Total domestic deposits to total assets | 81.2287% | 3,808 |
| Equity capital to assets | 9.7880% | 3,830 |
| Core capital (leverage) ratio | 9.6660% | 3,980 |
| Tier 1 risk-based capital ratio | 12.7705% | 4,040 |
| Total risk-based capital ratio | 14.0241% | 3,942 |
| Memoranda: | ||
| Average total assets | $387,718,000 | 1,777 |
| Average earning assets | $364,774,500 | 1,751 |
| Average equity | $37,770,000 | 1,954 |
| Average total loans | $347,147,000 | 1,421 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,253 |
| Cost of funding earning assets | 0.9825% | 506 |
| Net interest margin | 3.8169% | 2,517 |
| Noninterest income to average assets | 0.4279% | 3,310 |
| Noninterest expense to average assets | 2.9753% | 2,118 |
| Loan and lease loss provision to assets | 0.2386% | 663 |
| Net operating income to assets | 0.6105% | 4,464 |
| Return on assets (ROA) | 0.6105% | 4,469 |
| Pretax return on assets | 0.8071% | 4,225 |
| Return on Equity (ROE) | 6.2773% | 4,145 |
| Retained earnings to average equity (ytd only) | 6.2773% | 2,430 |
| Net charge-offs to loans | 0.0911% | 1,435 |
| Credit loss provision to net charge-offs | 291.1392% | 1,024 |
| Earnings coverage of net charge-offs (x) | 12.7595% | 2,185 |
| Efficiency ratio | 73.9938% | 1,707 |
| Assets per employee ($millions) | 4.2487% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,357 |
| Loan loss allowance to noncurrent loans | 182.8028% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 2,153 |
| Noncurrent loans to loans | 0.6913% | 2,379 |
| Net loans and leases to total assets | 87.4394% | 177 |
| Net loans and leases to deposits | 107.2716% | 380 |
| Net loans and leases to core deposits | 114.0906% | 791 |
| Total domestic deposits to total assets | 81.5122% | 3,865 |
| Equity capital to assets | 9.6179% | 3,993 |
| Core capital (leverage) ratio | 9.8058% | 3,782 |
| Tier 1 risk-based capital ratio | 12.7487% | 4,040 |
| Total risk-based capital ratio | 14.0014% | 3,942 |
| Memoranda: | ||
| Average total assets | $385,575,670 | 1,787 |
| Average earning assets | $362,966,670 | 1,766 |
| Average equity | $37,500,330 | 1,967 |
| Average total loans | $346,705,000 | 1,419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 1,218 |
| Cost of funding earning assets | 0.9290% | 520 |
| Net interest margin | 3.8086% | 2,392 |
| Noninterest income to average assets | 0.4391% | 3,189 |
| Noninterest expense to average assets | 2.9569% | 2,186 |
| Loan and lease loss provision to assets | 0.1891% | 894 |
| Net operating income to assets | 0.6597% | 4,246 |
| Return on assets (ROA) | 0.6597% | 4,253 |
| Pretax return on assets | 0.8760% | 3,928 |
| Return on Equity (ROE) | 6.7438% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.7438% | 2,389 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5179% | 1,965 |
| Assets per employee ($millions) | 3.9720% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,597 |
| Loan loss allowance to noncurrent loans | 200.3728% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,589 |
| Noncurrent loans to loans | 0.6172% | 2,688 |
| Net loans and leases to total assets | 89.1328% | 87 |
| Net loans and leases to deposits | 109.9672% | 259 |
| Net loans and leases to core deposits | 116.2537% | 719 |
| Total domestic deposits to total assets | 81.0540% | 4,187 |
| Equity capital to assets | 9.7342% | 3,854 |
| Core capital (leverage) ratio | 9.8819% | 3,673 |
| Tier 1 risk-based capital ratio | 13.1021% | 3,896 |
| Total risk-based capital ratio | 14.3551% | 3,804 |
| Memoranda: | ||
| Average total assets | $380,800,500 | 1,821 |
| Average earning assets | $358,242,500 | 1,791 |
| Average equity | $37,249,000 | 1,987 |
| Average total loans | $345,098,500 | 1,423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,200 |
| Cost of funding earning assets | 0.8312% | 525 |
| Net interest margin | 3.8661% | 2,196 |
| Noninterest income to average assets | 0.4401% | 3,373 |
| Noninterest expense to average assets | 2.9411% | 2,314 |
| Loan and lease loss provision to assets | 0.2089% | 956 |
| Net operating income to assets | 0.4059% | 4,673 |
| Return on assets (ROA) | 0.4081% | 4,685 |
| Pretax return on assets | 0.9179% | 3,852 |
| Return on Equity (ROE) | 4.0978% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.0978% | 2,708 |
| Net charge-offs to loans | 0.0606% | 2,603 |
| Credit loss provision to net charge-offs | 380.5970% | 793 |
| Earnings coverage of net charge-offs (x) | 20.4677% | 1,961 |
| Efficiency ratio | 72.3652% | 2,169 |
| Assets per employee ($millions) | 4.0465% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,759 |
| Loan loss allowance to noncurrent loans | 173.9865% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,372 |
| Noncurrent loans to loans | 0.6914% | 2,486 |
| Net loans and leases to total assets | 89.9142% | 80 |
| Net loans and leases to deposits | 113.1383% | 190 |
| Net loans and leases to core deposits | 119.5509% | 602 |
| Total domestic deposits to total assets | 79.4728% | 4,452 |
| Equity capital to assets | 9.8304% | 3,890 |
| Core capital (leverage) ratio | 9.9651% | 3,500 |
| Tier 1 risk-based capital ratio | 13.9362% | 3,395 |
| Total risk-based capital ratio | 15.1897% | 3,304 |
| Memoranda: | ||
| Average total assets | $366,288,800 | 1,844 |
| Average earning assets | $343,369,800 | 1,826 |
| Average equity | $36,482,600 | 2,004 |
| Average total loans | $331,703,600 | 1,444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,203 |
| Cost of funding earning assets | 0.8176% | 517 |
| Net interest margin | 3.8512% | 2,221 |
| Noninterest income to average assets | 0.4090% | 3,625 |
| Noninterest expense to average assets | 2.8973% | 2,418 |
| Loan and lease loss provision to assets | 0.1997% | 952 |
| Net operating income to assets | 0.5652% | 4,527 |
| Return on assets (ROA) | 0.5652% | 4,565 |
| Pretax return on assets | 0.9218% | 3,963 |
| Return on Equity (ROE) | 5.6552% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.6552% | 2,459 |
| Net charge-offs to loans | 0.0474% | 2,493 |
| Credit loss provision to net charge-offs | 465.8120% | 689 |
| Earnings coverage of net charge-offs (x) | 26.1532% | 1,696 |
| Efficiency ratio | 72.0930% | 2,193 |
| Assets per employee ($millions) | 4.0795% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,984 |
| Loan loss allowance to noncurrent loans | 203.4219% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 2,726 |
| Noncurrent loans to loans | 0.5852% | 2,942 |
| Net loans and leases to total assets | 90.0438% | 80 |
| Net loans and leases to deposits | 109.0437% | 307 |
| Net loans and leases to core deposits | 114.7075% | 797 |
| Total domestic deposits to total assets | 82.5758% | 3,591 |
| Equity capital to assets | 10.1235% | 3,772 |
| Core capital (leverage) ratio | 10.0493% | 3,511 |
| Tier 1 risk-based capital ratio | 13.2386% | 3,855 |
| Total risk-based capital ratio | 14.4907% | 3,773 |
| Memoranda: | ||
| Average total assets | $363,780,750 | 1,866 |
| Average earning assets | $340,975,750 | 1,849 |
| Average equity | $36,354,750 | 2,017 |
| Average total loans | $329,008,000 | 1,460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,229 |
| Cost of funding earning assets | 0.8031% | 517 |
| Net interest margin | 3.8106% | 2,252 |
| Noninterest income to average assets | 0.3882% | 3,762 |
| Noninterest expense to average assets | 2.8705% | 2,514 |
| Loan and lease loss provision to assets | 0.2096% | 852 |
| Net operating income to assets | 0.5410% | 4,567 |
| Return on assets (ROA) | 0.5410% | 4,604 |
| Pretax return on assets | 0.8774% | 4,003 |
| Return on Equity (ROE) | 5.4374% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.4374% | 2,450 |
| Net charge-offs to loans | 0.0410% | 2,376 |
| Credit loss provision to net charge-offs | 567.1642% | 593 |
| Earnings coverage of net charge-offs (x) | 29.4179% | 1,479 |
| Efficiency ratio | 72.5334% | 2,257 |
| Assets per employee ($millions) | 4.2269% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,229 |
| Loan loss allowance to noncurrent loans | 186.2783% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 2,599 |
| Noncurrent loans to loans | 0.6245% | 2,861 |
| Net loans and leases to total assets | 89.3911% | 97 |
| Net loans and leases to deposits | 108.9233% | 288 |
| Net loans and leases to core deposits | 114.5934% | 773 |
| Total domestic deposits to total assets | 82.0679% | 3,866 |
| Equity capital to assets | 9.9446% | 3,981 |
| Core capital (leverage) ratio | 10.0385% | 3,492 |
| Tier 1 risk-based capital ratio | 13.2125% | 3,865 |
| Total risk-based capital ratio | 14.4643% | 3,773 |
| Memoranda: | ||
| Average total assets | $362,655,330 | 1,875 |
| Average earning assets | $339,687,000 | 1,856 |
| Average equity | $36,083,330 | 2,021 |
| Average total loans | $327,149,000 | 1,470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,062 |
| Cost of funding earning assets | 0.7961% | 500 |
| Net interest margin | 3.8365% | 1,997 |
| Noninterest income to average assets | 0.3910% | 3,733 |
| Noninterest expense to average assets | 2.8680% | 2,553 |
| Loan and lease loss provision to assets | 0.2388% | 647 |
| Net operating income to assets | 0.5365% | 4,438 |
| Return on assets (ROA) | 0.5365% | 4,480 |
| Pretax return on assets | 0.8708% | 3,864 |
| Return on Equity (ROE) | 5.3906% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.3906% | 2,672 |
| Net charge-offs to loans | 0.0900% | 1,446 |
| Credit loss provision to net charge-offs | 294.5205% | 799 |
| Earnings coverage of net charge-offs (x) | 13.6849% | 1,768 |
| Efficiency ratio | 72.1028% | 2,559 |
| Assets per employee ($millions) | 4.2109% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,495 |
| Loan loss allowance to noncurrent loans | 187.1457% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,751 |
| Noncurrent loans to loans | 0.6059% | 3,004 |
| Net loans and leases to total assets | 89.0363% | 83 |
| Net loans and leases to deposits | 111.6302% | 184 |
| Net loans and leases to core deposits | 117.6912% | 533 |
| Total domestic deposits to total assets | 79.7600% | 4,668 |
| Equity capital to assets | 9.9625% | 3,804 |
| Core capital (leverage) ratio | 10.0426% | 3,438 |
| Tier 1 risk-based capital ratio | 13.6029% | 3,719 |
| Total risk-based capital ratio | 14.8548% | 3,629 |
| Memoranda: | ||
| Average total assets | $360,114,000 | 1,892 |
| Average earning assets | $336,657,000 | 1,880 |
| Average equity | $35,840,000 | 2,043 |
| Average total loans | $324,426,500 | 1,487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,452 |
| Cost of funding earning assets | 0.7956% | 518 |
| Net interest margin | 3.7324% | 2,568 |
| Noninterest income to average assets | 0.4030% | 3,861 |
| Noninterest expense to average assets | 2.8650% | 2,794 |
| Loan and lease loss provision to assets | 0.1556% | 1,602 |
| Net operating income to assets | 0.5500% | 4,437 |
| Return on assets (ROA) | 0.5500% | 4,537 |
| Pretax return on assets | 0.8720% | 3,936 |
| Return on Equity (ROE) | 5.4939% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.4939% | 2,019 |
| Net charge-offs to loans | 0.0067% | 4,026 |
| Credit loss provision to net charge-offs | 2,571.4286% | 159 |
| Earnings coverage of net charge-offs (x) | 169.8571% | 383 |
| Efficiency ratio | 73.6012% | 2,339 |
| Assets per employee ($millions) | 4.1160% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,702 |
| Loan loss allowance to noncurrent loans | 168.5308% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 2,841 |
| Noncurrent loans to loans | 0.6538% | 2,894 |
| Net loans and leases to total assets | 89.1298% | 90 |
| Net loans and leases to deposits | 114.1702% | 155 |
| Net loans and leases to core deposits | 120.6683% | 466 |
| Total domestic deposits to total assets | 78.0675% | 4,969 |
| Equity capital to assets | 9.9422% | 3,775 |
| Core capital (leverage) ratio | 10.0330% | 3,442 |
| Tier 1 risk-based capital ratio | 13.9257% | 3,506 |
| Total risk-based capital ratio | 15.1777% | 3,417 |
| Memoranda: | ||
| Average total assets | $347,118,400 | 1,914 |
| Average earning assets | $324,540,000 | 1,899 |
| Average equity | $34,747,800 | 2,091 |
| Average total loans | $311,234,800 | 1,474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,515 |
| Cost of funding earning assets | 0.7918% | 527 |
| Net interest margin | 3.7146% | 2,666 |
| Noninterest income to average assets | 0.3996% | 3,924 |
| Noninterest expense to average assets | 2.8681% | 2,751 |
| Loan and lease loss provision to assets | 0.1568% | 1,479 |
| Net operating income to assets | 0.5354% | 4,553 |
| Return on assets (ROA) | 0.5354% | 4,656 |
| Pretax return on assets | 0.8475% | 4,163 |
| Return on Equity (ROE) | 5.3395% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3395% | 2,592 |
| Net charge-offs to loans | 0.0091% | 3,609 |
| Credit loss provision to net charge-offs | 1,928.5714% | 242 |
| Earnings coverage of net charge-offs (x) | 123.5207% | 562 |
| Efficiency ratio | 74.0652% | 2,273 |
| Assets per employee ($millions) | 4.0243% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,965 |
| Loan loss allowance to noncurrent loans | 200.4101% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 3,369 |
| Noncurrent loans to loans | 0.5374% | 3,379 |
| Net loans and leases to total assets | 88.7342% | 100 |
| Net loans and leases to deposits | 107.9793% | 306 |
| Net loans and leases to core deposits | 114.4223% | 708 |
| Total domestic deposits to total assets | 82.1771% | 3,888 |
| Equity capital to assets | 9.9510% | 4,172 |
| Core capital (leverage) ratio | 9.9984% | 3,571 |
| Tier 1 risk-based capital ratio | 13.7145% | 3,733 |
| Total risk-based capital ratio | 14.9656% | 3,648 |
| Memoranda: | ||
| Average total assets | $344,375,750 | 1,927 |
| Average earning assets | $321,960,750 | 1,918 |
| Average equity | $34,534,250 | 2,113 |
| Average total loans | $308,363,500 | 1,491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 1,534 |
| Cost of funding earning assets | 0.7814% | 540 |
| Net interest margin | 3.7111% | 2,649 |
| Noninterest income to average assets | 0.3893% | 3,959 |
| Noninterest expense to average assets | 2.8471% | 2,851 |
| Loan and lease loss provision to assets | 0.1583% | 1,437 |
| Net operating income to assets | 0.5376% | 4,534 |
| Return on assets (ROA) | 0.5376% | 4,643 |
| Pretax return on assets | 0.8537% | 4,105 |
| Return on Equity (ROE) | 5.3471% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,520 |
| Net charge-offs to loans | 0.0157% | 3,204 |
| Credit loss provision to net charge-offs | 1,125.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 71.9167% | 760 |
| Efficiency ratio | 73.7770% | 2,391 |
| Assets per employee ($millions) | 4.2322% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,210 |
| Loan loss allowance to noncurrent loans | 186.5341% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 3,446 |
| Noncurrent loans to loans | 0.5646% | 3,371 |
| Net loans and leases to total assets | 88.8812% | 103 |
| Net loans and leases to deposits | 111.3515% | 220 |
| Net loans and leases to core deposits | 118.3514% | 557 |
| Total domestic deposits to total assets | 79.8204% | 4,589 |
| Equity capital to assets | 10.0293% | 4,192 |
| Core capital (leverage) ratio | 10.0559% | 3,502 |
| Tier 1 risk-based capital ratio | 13.9725% | 3,623 |
| Total risk-based capital ratio | 15.2234% | 3,541 |
| Memoranda: | ||
| Average total assets | $341,123,000 | 1,956 |
| Average earning assets | $318,935,000 | 1,936 |
| Average equity | $34,299,000 | 2,132 |
| Average total loans | $305,265,000 | 1,506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,602 |
| Cost of funding earning assets | 0.7718% | 573 |
| Net interest margin | 3.6959% | 2,683 |
| Noninterest income to average assets | 0.3785% | 4,002 |
| Noninterest expense to average assets | 2.8472% | 2,897 |
| Loan and lease loss provision to assets | 0.1597% | 1,305 |
| Net operating income to assets | 0.5299% | 4,504 |
| Return on assets (ROA) | 0.5299% | 4,612 |
| Pretax return on assets | 0.8268% | 4,115 |
| Return on Equity (ROE) | 5.2635% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.2635% | 2,780 |
| Net charge-offs to loans | 0.0013% | 3,073 |
| Credit loss provision to net charge-offs | 13,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 53 |
| Efficiency ratio | 74.2672% | 2,430 |
| Assets per employee ($millions) | 4.1407% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,403 |
| Loan loss allowance to noncurrent loans | 172.9951% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 3,175 |
| Noncurrent loans to loans | 0.5995% | 3,377 |
| Net loans and leases to total assets | 89.1132% | 86 |
| Net loans and leases to deposits | 114.0390% | 151 |
| Net loans and leases to core deposits | 121.2858% | 432 |
| Total domestic deposits to total assets | 78.1427% | 5,117 |
| Equity capital to assets | 10.1069% | 3,938 |
| Core capital (leverage) ratio | 10.0536% | 3,471 |
| Tier 1 risk-based capital ratio | 14.2115% | 3,559 |
| Total risk-based capital ratio | 15.4625% | 3,492 |
| Memoranda: | ||
| Average total assets | $338,162,500 | 1,978 |
| Average earning assets | $316,134,000 | 1,966 |
| Average equity | $34,045,500 | 2,141 |
| Average total loans | $302,027,500 | 1,513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,663 |
| Cost of funding earning assets | 0.7384% | 675 |
| Net interest margin | 3.7411% | 2,601 |
| Noninterest income to average assets | 0.4380% | 3,761 |
| Noninterest expense to average assets | 2.8852% | 2,906 |
| Loan and lease loss provision to assets | 0.1479% | 1,591 |
| Net operating income to assets | 0.5788% | 4,386 |
| Return on assets (ROA) | 0.5788% | 4,476 |
| Pretax return on assets | 0.9058% | 3,818 |
| Return on Equity (ROE) | 5.7039% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.7039% | 1,955 |
| Net charge-offs to loans | 0.0857% | 2,603 |
| Credit loss provision to net charge-offs | 195.9184% | 1,421 |
| Earnings coverage of net charge-offs (x) | 13.9551% | 2,334 |
| Efficiency ratio | 73.2473% | 2,702 |
| Assets per employee ($millions) | 4.1071% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,493 |
| Loan loss allowance to noncurrent loans | 135.8229% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 2,796 |
| Noncurrent loans to loans | 0.7496% | 2,932 |
| Net loans and leases to total assets | 87.6738% | 136 |
| Net loans and leases to deposits | 112.5557% | 190 |
| Net loans and leases to core deposits | 118.7208% | 516 |
| Total domestic deposits to total assets | 77.8937% | 5,191 |
| Equity capital to assets | 10.0283% | 3,925 |
| Core capital (leverage) ratio | 10.0803% | 3,402 |
| Tier 1 risk-based capital ratio | 14.3901% | 3,499 |
| Total risk-based capital ratio | 15.6408% | 3,414 |
| Memoranda: | ||
| Average total assets | $324,452,000 | 2,022 |
| Average earning assets | $303,627,400 | 2,000 |
| Average equity | $32,924,600 | 2,151 |
| Average total loans | $285,815,800 | 1,528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,636 |
| Cost of funding earning assets | 0.7343% | 700 |
| Net interest margin | 3.7507% | 2,560 |
| Noninterest income to average assets | 0.4344% | 3,836 |
| Noninterest expense to average assets | 2.8847% | 2,900 |
| Loan and lease loss provision to assets | 0.1494% | 1,458 |
| Net operating income to assets | 0.5850% | 4,455 |
| Return on assets (ROA) | 0.5850% | 4,551 |
| Pretax return on assets | 0.9140% | 3,939 |
| Return on Equity (ROE) | 5.7469% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.7469% | 2,402 |
| Net charge-offs to loans | 0.1071% | 2,059 |
| Credit loss provision to net charge-offs | 158.5903% | 1,610 |
| Earnings coverage of net charge-offs (x) | 11.2907% | 2,502 |
| Efficiency ratio | 73.0664% | 2,705 |
| Assets per employee ($millions) | 4.1750% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 4,732 |
| Loan loss allowance to noncurrent loans | 120.6330% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 2,975 |
| Noncurrent loans to loans | 0.8308% | 2,891 |
| Net loans and leases to total assets | 87.8985% | 146 |
| Net loans and leases to deposits | 112.2541% | 204 |
| Net loans and leases to core deposits | 118.0831% | 527 |
| Total domestic deposits to total assets | 78.3032% | 5,128 |
| Equity capital to assets | 10.1302% | 4,022 |
| Core capital (leverage) ratio | 10.1149% | 3,481 |
| Tier 1 risk-based capital ratio | 14.4592% | 3,600 |
| Total risk-based capital ratio | 15.7095% | 3,508 |
| Memoranda: | ||
| Average total assets | $321,368,500 | 2,052 |
| Average earning assets | $301,056,750 | 2,031 |
| Average equity | $32,712,250 | 2,176 |
| Average total loans | $282,692,250 | 1,545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,618 |
| Cost of funding earning assets | 0.7328% | 705 |
| Net interest margin | 3.7434% | 2,532 |
| Noninterest income to average assets | 0.4533% | 3,675 |
| Noninterest expense to average assets | 2.9157% | 2,840 |
| Loan and lease loss provision to assets | 0.1507% | 1,414 |
| Net operating income to assets | 0.5764% | 4,442 |
| Return on assets (ROA) | 0.5764% | 4,544 |
| Pretax return on assets | 0.8991% | 3,959 |
| Return on Equity (ROE) | 5.6529% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.6529% | 2,432 |
| Net charge-offs to loans | 0.0251% | 3,175 |
| Credit loss provision to net charge-offs | 685.7143% | 493 |
| Earnings coverage of net charge-offs (x) | 47.7714% | 987 |
| Efficiency ratio | 73.5275% | 2,745 |
| Assets per employee ($millions) | 3.9015% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 4,539 |
| Loan loss allowance to noncurrent loans | 136.2483% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 3,208 |
| Noncurrent loans to loans | 0.7778% | 3,165 |
| Net loans and leases to total assets | 86.7005% | 201 |
| Net loans and leases to deposits | 107.8338% | 312 |
| Net loans and leases to core deposits | 113.0421% | 709 |
| Total domestic deposits to total assets | 80.4019% | 4,775 |
| Equity capital to assets | 10.1540% | 3,860 |
| Core capital (leverage) ratio | 10.1927% | 3,344 |
| Tier 1 risk-based capital ratio | 14.6754% | 3,541 |
| Total risk-based capital ratio | 15.9267% | 3,468 |
| Memoranda: | ||
| Average total assets | $318,549,000 | 2,083 |
| Average earning assets | $298,870,670 | 2,052 |
| Average equity | $32,479,000 | 2,197 |
| Average total loans | $279,307,000 | 1,564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 1,502 |
| Cost of funding earning assets | 0.7401% | 695 |
| Net interest margin | 3.7462% | 2,445 |
| Noninterest income to average assets | 0.4672% | 3,519 |
| Noninterest expense to average assets | 2.8983% | 2,912 |
| Loan and lease loss provision to assets | 0.1519% | 1,341 |
| Net operating income to assets | 0.5938% | 4,316 |
| Return on assets (ROA) | 0.5938% | 4,411 |
| Pretax return on assets | 0.9357% | 3,761 |
| Return on Equity (ROE) | 5.8120% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.8120% | 2,601 |
| Net charge-offs to loans | 0.0549% | 2,221 |
| Credit loss provision to net charge-offs | 315.7895% | 782 |
| Earnings coverage of net charge-offs (x) | 22.6053% | 1,347 |
| Efficiency ratio | 72.7128% | 3,049 |
| Assets per employee ($millions) | 3.7727% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 4,845 |
| Loan loss allowance to noncurrent loans | 153.4859% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 3,499 |
| Noncurrent loans to loans | 0.6743% | 3,600 |
| Net loans and leases to total assets | 87.0204% | 140 |
| Net loans and leases to deposits | 110.8805% | 207 |
| Net loans and leases to core deposits | 116.6120% | 504 |
| Total domestic deposits to total assets | 78.4812% | 5,355 |
| Equity capital to assets | 10.2690% | 3,804 |
| Core capital (leverage) ratio | 10.1660% | 3,382 |
| Tier 1 risk-based capital ratio | 14.7792% | 3,557 |
| Total risk-based capital ratio | 16.0299% | 3,486 |
| Memoranda: | ||
| Average total assets | $315,912,000 | 2,106 |
| Average earning assets | $296,730,500 | 2,072 |
| Average equity | $32,278,000 | 2,222 |
| Average total loans | $277,079,000 | 1,575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,210 |
| Cost of funding earning assets | 0.8158% | 599 |
| Net interest margin | 3.5873% | 3,453 |
| Noninterest income to average assets | 0.4618% | 3,763 |
| Noninterest expense to average assets | 2.7603% | 3,638 |
| Loan and lease loss provision to assets | 0.1549% | 1,695 |
| Net operating income to assets | 0.5905% | 4,419 |
| Return on assets (ROA) | 0.5905% | 4,501 |
| Pretax return on assets | 0.9235% | 3,807 |
| Return on Equity (ROE) | 5.8953% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.8953% | 1,988 |
| Net charge-offs to loans | 0.0719% | 3,453 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 17.4063% | 1,928 |
| Efficiency ratio | 71.9065% | 3,222 |
| Assets per employee ($millions) | 3.9863% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 4,957 |
| Loan loss allowance to noncurrent loans | 118.5279% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 3,080 |
| Noncurrent loans to loans | 0.8581% | 3,169 |
| Net loans and leases to total assets | 86.5937% | 173 |
| Net loans and leases to deposits | 107.2967% | 315 |
| Net loans and leases to core deposits | 112.5835% | 665 |
| Total domestic deposits to total assets | 80.7049% | 4,826 |
| Equity capital to assets | 10.1654% | 3,898 |
| Core capital (leverage) ratio | 10.1238% | 3,403 |
| Tier 1 risk-based capital ratio | 14.8132% | 3,594 |
| Total risk-based capital ratio | 16.0638% | 3,525 |
| Memoranda: | ||
| Average total assets | $309,893,600 | 2,097 |
| Average earning assets | $291,725,000 | 2,058 |
| Average equity | $31,041,600 | 2,220 |
| Average total loans | $266,966,000 | 1,591 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,340 |
| Cost of funding earning assets | 0.8237% | 614 |
| Net interest margin | 3.5478% | 3,638 |
| Noninterest income to average assets | 0.4523% | 3,879 |
| Noninterest expense to average assets | 2.7337% | 3,697 |
| Loan and lease loss provision to assets | 0.1490% | 1,679 |
| Net operating income to assets | 0.5828% | 4,523 |
| Return on assets (ROA) | 0.5828% | 4,609 |
| Pretax return on assets | 0.9093% | 3,948 |
| Return on Equity (ROE) | 5.8399% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.8399% | 2,507 |
| Net charge-offs to loans | 0.0896% | 2,931 |
| Credit loss provision to net charge-offs | 193.8202% | 1,298 |
| Earnings coverage of net charge-offs (x) | 13.7639% | 2,196 |
| Efficiency ratio | 72.0893% | 3,155 |
| Assets per employee ($millions) | 4.1803% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 5,260 |
| Loan loss allowance to noncurrent loans | 109.4733% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 3,347 |
| Noncurrent loans to loans | 0.9036% | 3,302 |
| Net loans and leases to total assets | 85.5933% | 216 |
| Net loans and leases to deposits | 103.9262% | 412 |
| Net loans and leases to core deposits | 109.4881% | 767 |
| Total domestic deposits to total assets | 82.3597% | 4,355 |
| Equity capital to assets | 10.0411% | 4,116 |
| Core capital (leverage) ratio | 9.8927% | 3,828 |
| Tier 1 risk-based capital ratio | 15.0049% | 3,585 |
| Total risk-based capital ratio | 16.2551% | 3,515 |
| Memoranda: | ||
| Average total assets | $308,637,000 | 2,118 |
| Average earning assets | $290,540,000 | 2,079 |
| Average equity | $30,798,750 | 2,241 |
| Average total loans | $264,831,750 | 1,609 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,395 |
| Cost of funding earning assets | 0.8260% | 622 |
| Net interest margin | 3.5207% | 3,697 |
| Noninterest income to average assets | 0.4345% | 3,992 |
| Noninterest expense to average assets | 2.7302% | 3,756 |
| Loan and lease loss provision to assets | 0.1362% | 1,819 |
| Net operating income to assets | 0.5687% | 4,503 |
| Return on assets (ROA) | 0.5687% | 4,606 |
| Pretax return on assets | 0.8834% | 3,953 |
| Return on Equity (ROE) | 5.7112% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.7112% | 2,506 |
| Net charge-offs to loans | 0.1400% | 2,269 |
| Credit loss provision to net charge-offs | 113.5870% | 1,778 |
| Earnings coverage of net charge-offs (x) | 8.5054% | 2,480 |
| Efficiency ratio | 72.8110% | 3,190 |
| Assets per employee ($millions) | 4.3070% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 5,573 |
| Loan loss allowance to noncurrent loans | 87.7029% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 3,200 |
| Noncurrent loans to loans | 1.0817% | 3,064 |
| Net loans and leases to total assets | 83.1788% | 361 |
| Net loans and leases to deposits | 99.1466% | 597 |
| Net loans and leases to core deposits | 105.4842% | 926 |
| Total domestic deposits to total assets | 83.8948% | 3,964 |
| Equity capital to assets | 9.7541% | 4,424 |
| Core capital (leverage) ratio | 9.9251% | 3,712 |
| Tier 1 risk-based capital ratio | 14.8319% | 3,734 |
| Total risk-based capital ratio | 16.0551% | 3,696 |
| Memoranda: | ||
| Average total assets | $307,009,330 | 2,128 |
| Average earning assets | $289,094,000 | 2,082 |
| Average equity | $30,571,330 | 2,243 |
| Average total loans | $262,764,670 | 1,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,176 |
| Cost of funding earning assets | 0.8403% | 612 |
| Net interest margin | 3.5489% | 3,487 |
| Noninterest income to average assets | 0.4064% | 4,129 |
| Noninterest expense to average assets | 2.7733% | 3,661 |
| Loan and lease loss provision to assets | 0.1395% | 1,745 |
| Net operating income to assets | 0.5539% | 4,442 |
| Return on assets (ROA) | 0.5539% | 4,514 |
| Pretax return on assets | 0.8315% | 3,970 |
| Return on Equity (ROE) | 5.5026% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,785 |
| Net charge-offs to loans | 0.2843% | 1,212 |
| Credit loss provision to net charge-offs | 56.7568% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.9514% | 2,596 |
| Efficiency ratio | 74.0688% | 3,131 |
| Assets per employee ($millions) | 4.0529% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 5,779 |
| Loan loss allowance to noncurrent loans | 111.9650% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 3,973 |
| Noncurrent loans to loans | 0.8280% | 3,814 |
| Net loans and leases to total assets | 85.5424% | 163 |
| Net loans and leases to deposits | 105.2295% | 255 |
| Net loans and leases to core deposits | 112.1381% | 515 |
| Total domestic deposits to total assets | 81.2912% | 5,153 |
| Equity capital to assets | 10.0486% | 3,789 |
| Core capital (leverage) ratio | 10.0820% | 3,454 |
| Tier 1 risk-based capital ratio | 15.1333% | 3,636 |
| Total risk-based capital ratio | 16.3472% | 3,616 |
| Memoranda: | ||
| Average total assets | $301,156,000 | 2,174 |
| Average earning assets | $283,241,500 | 2,123 |
| Average equity | $30,313,000 | 2,256 |
| Average total loans | $260,325,500 | 1,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 2,097 |
| Cost of funding earning assets | 0.8591% | 914 |
| Net interest margin | 3.6702% | 3,172 |
| Noninterest income to average assets | 0.4684% | 3,973 |
| Noninterest expense to average assets | 2.7090% | 4,060 |
| Loan and lease loss provision to assets | 0.1431% | 2,516 |
| Net operating income to assets | 0.6885% | 3,854 |
| Return on assets (ROA) | 0.6885% | 3,949 |
| Pretax return on assets | 1.0714% | 3,063 |
| Return on Equity (ROE) | 6.8868% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.2052% | 1,846 |
| Net charge-offs to loans | 0.0312% | 4,810 |
| Credit loss provision to net charge-offs | 538.4615% | 434 |
| Earnings coverage of net charge-offs (x) | 45.7051% | 850 |
| Efficiency ratio | 69.0458% | 4,007 |
| Assets per employee ($millions) | 3.8746% | 4,110 |
| Cash dividends to net income (ytd only)* | 9.8961% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 5,687 |
| Loan loss allowance to noncurrent loans | 121.3906% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 4,171 |
| Noncurrent loans to loans | 0.8021% | 3,973 |
| Net loans and leases to total assets | 85.7006% | 169 |
| Net loans and leases to deposits | 105.8031% | 263 |
| Net loans and leases to core deposits | 112.9205% | 500 |
| Total domestic deposits to total assets | 81.0000% | 5,178 |
| Equity capital to assets | 10.0829% | 3,658 |
| Core capital (leverage) ratio | 10.0141% | 3,545 |
| Tier 1 risk-based capital ratio | 15.2979% | 3,482 |
| Total risk-based capital ratio | 16.5482% | 3,436 |
| Memoranda: | ||
| Average total assets | $293,541,400 | 2,188 |
| Average earning assets | $276,332,200 | 2,141 |
| Average equity | $29,346,200 | 2,290 |
| Average total loans | $250,146,400 | 1,661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 2,102 |
| Cost of funding earning assets | 0.8551% | 1,023 |
| Net interest margin | 3.6795% | 3,107 |
| Noninterest income to average assets | 0.4812% | 3,932 |
| Noninterest expense to average assets | 2.6808% | 4,090 |
| Loan and lease loss provision to assets | 0.1437% | 2,485 |
| Net operating income to assets | 0.7174% | 3,766 |
| Return on assets (ROA) | 0.7174% | 3,899 |
| Pretax return on assets | 1.1224% | 3,012 |
| Return on Equity (ROE) | 7.1918% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.2774% | 2,248 |
| Net charge-offs to loans | 0.0419% | 4,313 |
| Credit loss provision to net charge-offs | 403.8462% | 659 |
| Earnings coverage of net charge-offs (x) | 35.5888% | 1,092 |
| Efficiency ratio | 67.9223% | 4,114 |
| Assets per employee ($millions) | 4.0942% | 3,646 |
| Cash dividends to net income (ytd only)* | 12.7146% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 5,944 |
| Loan loss allowance to noncurrent loans | 128.7547% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 4,565 |
| Noncurrent loans to loans | 0.7312% | 4,391 |
| Net loans and leases to total assets | 84.8029% | 197 |
| Net loans and leases to deposits | 101.7998% | 394 |
| Net loans and leases to core deposits | 108.4029% | 651 |
| Total domestic deposits to total assets | 83.3036% | 4,460 |
| Equity capital to assets | 9.9549% | 3,957 |
| Core capital (leverage) ratio | 9.9816% | 3,700 |
| Tier 1 risk-based capital ratio | 15.0647% | 3,710 |
| Total risk-based capital ratio | 16.2963% | 3,678 |
| Memoranda: | ||
| Average total assets | $292,339,750 | 2,205 |
| Average earning assets | $275,358,000 | 2,150 |
| Average equity | $29,162,250 | 2,328 |
| Average total loans | $248,133,000 | 1,670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,040 |
| Cost of funding earning assets | 0.8656% | 1,055 |
| Net interest margin | 3.6812% | 3,031 |
| Noninterest income to average assets | 0.4749% | 3,998 |
| Noninterest expense to average assets | 2.7006% | 4,030 |
| Loan and lease loss provision to assets | 0.1241% | 2,768 |
| Net operating income to assets | 0.7141% | 3,742 |
| Return on assets (ROA) | 0.7141% | 3,914 |
| Pretax return on assets | 1.1180% | 3,022 |
| Return on Equity (ROE) | 7.1534% | 3,514 |
| Retained earnings to average equity (ytd only) | 5.7724% | 2,571 |
| Net charge-offs to loans | 0.0611% | 3,830 |
| Credit loss provision to net charge-offs | 240.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 24.0267% | 1,310 |
| Efficiency ratio | 68.4965% | 4,098 |
| Assets per employee ($millions) | 3.9598% | 3,895 |
| Cash dividends to net income (ytd only)* | 19.3050% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,096 |
| Loan loss allowance to noncurrent loans | 127.7061% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,723 |
| Noncurrent loans to loans | 0.7142% | 4,499 |
| Net loans and leases to total assets | 84.4180% | 214 |
| Net loans and leases to deposits | 99.0681% | 474 |
| Net loans and leases to core deposits | 105.1673% | 784 |
| Total domestic deposits to total assets | 85.2121% | 3,789 |
| Equity capital to assets | 9.9531% | 3,972 |
| Core capital (leverage) ratio | 9.9857% | 3,550 |
| Tier 1 risk-based capital ratio | 14.9492% | 3,810 |
| Total risk-based capital ratio | 16.1259% | 3,823 |
| Memoranda: | ||
| Average total assets | $290,160,000 | 2,225 |
| Average earning assets | $273,335,670 | 2,169 |
| Average equity | $28,965,330 | 2,345 |
| Average total loans | $245,555,000 | 1,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,973 |
| Cost of funding earning assets | 0.8958% | 1,003 |
| Net interest margin | 3.6583% | 3,044 |
| Noninterest income to average assets | 0.4475% | 4,132 |
| Noninterest expense to average assets | 2.7084% | 4,024 |
| Loan and lease loss provision to assets | 0.1247% | 2,675 |
| Net operating income to assets | 0.6816% | 3,774 |
| Return on assets (ROA) | 0.6816% | 3,927 |
| Pretax return on assets | 1.0598% | 3,107 |
| Return on Equity (ROE) | 6.8178% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.8178% | 2,245 |
| Net charge-offs to loans | 0.0148% | 3,853 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 401 |
| Efficiency ratio | 69.5730% | 4,043 |
| Assets per employee ($millions) | 3.8678% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,209 |
| Loan loss allowance to noncurrent loans | 129.9308% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 4,891 |
| Noncurrent loans to loans | 0.7084% | 4,708 |
| Net loans and leases to total assets | 83.5988% | 206 |
| Net loans and leases to deposits | 100.4386% | 334 |
| Net loans and leases to core deposits | 106.6531% | 621 |
| Total domestic deposits to total assets | 83.2337% | 4,782 |
| Equity capital to assets | 10.0270% | 4,118 |
| Core capital (leverage) ratio | 9.9323% | 3,491 |
| Tier 1 risk-based capital ratio | 14.9950% | 3,838 |
| Total risk-based capital ratio | 16.1769% | 3,856 |
| Memoranda: | ||
| Average total assets | $288,728,000 | 2,258 |
| Average earning assets | $271,932,000 | 2,204 |
| Average equity | $28,865,500 | 2,392 |
| Average total loans | $243,511,500 | 1,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 2,735 |
| Cost of funding earning assets | 1.1669% | 673 |
| Net interest margin | 3.4974% | 4,512 |
| Noninterest income to average assets | 0.5052% | 3,862 |
| Noninterest expense to average assets | 2.6823% | 4,468 |
| Loan and lease loss provision to assets | 0.1336% | 3,956 |
| Net operating income to assets | 0.6364% | 4,057 |
| Return on assets (ROA) | 0.6364% | 4,324 |
| Pretax return on assets | 0.9870% | 3,590 |
| Return on Equity (ROE) | 6.4249% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.4249% | 1,855 |
| Net charge-offs to loans | 0.1296% | 4,385 |
| Credit loss provision to net charge-offs | 127.1186% | 2,219 |
| Earnings coverage of net charge-offs (x) | 10.6610% | 2,121 |
| Efficiency ratio | 70.5331% | 3,702 |
| Assets per employee ($millions) | 3.9365% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,275 |
| Loan loss allowance to noncurrent loans | 136.7758% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 5,097 |
| Noncurrent loans to loans | 0.6555% | 4,888 |
| Net loans and leases to total assets | 83.5472% | 243 |
| Net loans and leases to deposits | 100.9112% | 378 |
| Net loans and leases to core deposits | 107.4061% | 632 |
| Total domestic deposits to total assets | 82.7928% | 4,804 |
| Equity capital to assets | 9.9677% | 4,213 |
| Core capital (leverage) ratio | 9.8791% | 3,572 |
| Tier 1 risk-based capital ratio | 14.9626% | 3,737 |
| Total risk-based capital ratio | 16.1195% | 3,747 |
| Memoranda: | ||
| Average total assets | $280,657,600 | 2,264 |
| Average earning assets | $264,624,000 | 2,197 |
| Average equity | $27,798,200 | 2,414 |
| Average total loans | $227,657,800 | 1,791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 2,911 |
| Cost of funding earning assets | 1.2210% | 636 |
| Net interest margin | 3.4531% | 4,835 |
| Noninterest income to average assets | 0.4860% | 4,017 |
| Noninterest expense to average assets | 2.6735% | 4,484 |
| Loan and lease loss provision to assets | 0.1243% | 4,000 |
| Net operating income to assets | 0.6084% | 4,354 |
| Return on assets (ROA) | 0.6084% | 4,609 |
| Pretax return on assets | 0.9458% | 3,934 |
| Return on Equity (ROE) | 6.1526% | 4,261 |
| Retained earnings to average equity (ytd only) | 6.1526% | 2,599 |
| Net charge-offs to loans | 0.1226% | 4,150 |
| Credit loss provision to net charge-offs | 126.2136% | 2,276 |
| Earnings coverage of net charge-offs (x) | 10.8689% | 2,137 |
| Efficiency ratio | 71.4158% | 3,429 |
| Assets per employee ($millions) | 3.8077% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,334 |
| Loan loss allowance to noncurrent loans | 125.1312% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 5,093 |
| Noncurrent loans to loans | 0.7334% | 4,957 |
| Net loans and leases to total assets | 82.2235% | 325 |
| Net loans and leases to deposits | 96.3259% | 637 |
| Net loans and leases to core deposits | 102.4362% | 962 |
| Total domestic deposits to total assets | 85.3597% | 3,586 |
| Equity capital to assets | 10.0915% | 4,368 |
| Core capital (leverage) ratio | 9.7899% | 3,826 |
| Tier 1 risk-based capital ratio | 14.8100% | 3,974 |
| Total risk-based capital ratio | 15.9627% | 4,006 |
| Memoranda: | ||
| Average total assets | $278,980,000 | 2,303 |
| Average earning assets | $263,174,750 | 2,232 |
| Average equity | $27,586,750 | 2,449 |
| Average total loans | $224,007,250 | 1,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 3,010 |
| Cost of funding earning assets | 1.2605% | 620 |
| Net interest margin | 3.4186% | 5,008 |
| Noninterest income to average assets | 0.5035% | 3,902 |
| Noninterest expense to average assets | 2.6736% | 4,523 |
| Loan and lease loss provision to assets | 0.0863% | 4,507 |
| Net operating income to assets | 0.6186% | 4,288 |
| Return on assets (ROA) | 0.6186% | 4,535 |
| Pretax return on assets | 0.9682% | 3,826 |
| Return on Equity (ROE) | 6.2994% | 4,159 |
| Retained earnings to average equity (ytd only) | 6.2994% | 2,502 |
| Net charge-offs to loans | 0.1477% | 3,730 |
| Credit loss provision to net charge-offs | 73.6196% | 3,487 |
| Earnings coverage of net charge-offs (x) | 8.9939% | 2,219 |
| Efficiency ratio | 71.7152% | 3,483 |
| Assets per employee ($millions) | 4.0634% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,457 |
| Loan loss allowance to noncurrent loans | 223.2026% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 5,847 |
| Noncurrent loans to loans | 0.4030% | 5,728 |
| Net loans and leases to total assets | 79.3592% | 575 |
| Net loans and leases to deposits | 92.7040% | 869 |
| Net loans and leases to core deposits | 98.4650% | 1,225 |
| Total domestic deposits to total assets | 85.6048% | 3,564 |
| Equity capital to assets | 9.7741% | 4,662 |
| Core capital (leverage) ratio | 9.6318% | 3,949 |
| Tier 1 risk-based capital ratio | 14.5613% | 4,057 |
| Total risk-based capital ratio | 15.6599% | 4,135 |
| Memoranda: | ||
| Average total assets | $278,049,670 | 2,312 |
| Average earning assets | $262,270,000 | 2,242 |
| Average equity | $27,304,000 | 2,463 |
| Average total loans | $220,733,670 | 1,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 3,047 |
| Cost of funding earning assets | 1.2926% | 651 |
| Net interest margin | 3.4098% | 5,083 |
| Noninterest income to average assets | 0.4992% | 3,915 |
| Noninterest expense to average assets | 2.6807% | 4,503 |
| Loan and lease loss provision to assets | 0.0873% | 4,284 |
| Net operating income to assets | 0.6083% | 4,306 |
| Return on assets (ROA) | 0.6083% | 4,517 |
| Pretax return on assets | 0.9445% | 3,886 |
| Return on Equity (ROE) | 6.1799% | 4,196 |
| Retained earnings to average equity (ytd only) | 6.1799% | 2,849 |
| Net charge-offs to loans | 0.0074% | 4,630 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 206 |
| Efficiency ratio | 72.2070% | 3,402 |
| Assets per employee ($millions) | 4.0075% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,316 |
| Loan loss allowance to noncurrent loans | 374.8691% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 5,845 |
| Noncurrent loans to loans | 0.2619% | 6,161 |
| Net loans and leases to total assets | 77.2319% | 670 |
| Net loans and leases to deposits | 90.4289% | 929 |
| Net loans and leases to core deposits | 95.8133% | 1,311 |
| Total domestic deposits to total assets | 85.4062% | 3,833 |
| Equity capital to assets | 9.7186% | 4,495 |
| Core capital (leverage) ratio | 9.7733% | 3,678 |
| Tier 1 risk-based capital ratio | 15.0513% | 3,728 |
| Total risk-based capital ratio | 16.2620% | 3,713 |
| Memoranda: | ||
| Average total assets | $274,856,500 | 2,351 |
| Average earning assets | $259,015,000 | 2,288 |
| Average equity | $27,055,500 | 2,474 |
| Average total loans | $217,213,000 | 1,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 3,193 |
| Cost of funding earning assets | 1.4067% | 1,009 |
| Net interest margin | 3.5257% | 5,042 |
| Noninterest income to average assets | 0.5061% | 3,807 |
| Noninterest expense to average assets | 2.7051% | 4,722 |
| Loan and lease loss provision to assets | 0.1025% | 5,305 |
| Net operating income to assets | 0.6667% | 3,651 |
| Return on assets (ROA) | 0.6667% | 3,841 |
| Pretax return on assets | 1.0338% | 3,107 |
| Return on Equity (ROE) | 6.8171% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.8171% | 1,588 |
| Net charge-offs to loans | 0.0288% | 6,037 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 49.8833% | 561 |
| Efficiency ratio | 70.4191% | 3,859 |
| Assets per employee ($millions) | 3.6377% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 6,334 |
| Loan loss allowance to noncurrent loans | 260.5230% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 6,149 |
| Noncurrent loans to loans | 0.3724% | 5,974 |
| Net loans and leases to total assets | 79.3242% | 564 |
| Net loans and leases to deposits | 93.2242% | 869 |
| Net loans and leases to core deposits | 98.7185% | 1,286 |
| Total domestic deposits to total assets | 85.0897% | 3,794 |
| Equity capital to assets | 9.9737% | 4,199 |
| Core capital (leverage) ratio | 9.7473% | 3,678 |
| Tier 1 risk-based capital ratio | 15.2531% | 3,482 |
| Total risk-based capital ratio | 16.4666% | 3,465 |
| Memoranda: | ||
| Average total assets | $263,395,800 | 2,396 |
| Average earning assets | $249,172,600 | 2,311 |
| Average equity | $25,758,800 | 2,502 |
| Average total loans | $208,188,800 | 1,970 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 3,376 |
| Cost of funding earning assets | 1.4224% | 1,140 |
| Net interest margin | 3.5200% | 5,105 |
| Noninterest income to average assets | 0.5334% | 3,628 |
| Noninterest expense to average assets | 2.7262% | 4,631 |
| Loan and lease loss provision to assets | 0.1069% | 5,102 |
| Net operating income to assets | 0.6709% | 3,765 |
| Return on assets (ROA) | 0.6709% | 3,936 |
| Pretax return on assets | 1.0358% | 3,261 |
| Return on Equity (ROE) | 6.8950% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.8950% | 2,030 |
| Net charge-offs to loans | 0.0336% | 5,682 |
| Credit loss provision to net charge-offs | 403.8462% | 711 |
| Earnings coverage of net charge-offs (x) | 43.1741% | 735 |
| Efficiency ratio | 70.4644% | 3,864 |
| Assets per employee ($millions) | 3.6990% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,403 |
| Loan loss allowance to noncurrent loans | 207.3171% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 6,090 |
| Noncurrent loans to loans | 0.4654% | 5,913 |
| Net loans and leases to total assets | 77.5386% | 763 |
| Net loans and leases to deposits | 91.1277% | 1,094 |
| Net loans and leases to core deposits | 96.2215% | 1,587 |
| Total domestic deposits to total assets | 85.0878% | 3,730 |
| Equity capital to assets | 9.7927% | 4,633 |
| Core capital (leverage) ratio | 9.5958% | 4,003 |
| Tier 1 risk-based capital ratio | 15.3689% | 3,448 |
| Total risk-based capital ratio | 16.5814% | 3,445 |
| Memoranda: | ||
| Average total assets | $261,947,500 | 2,426 |
| Average earning assets | $248,210,500 | 2,336 |
| Average equity | $25,486,500 | 2,529 |
| Average total loans | $206,330,000 | 2,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 3,376 |
| Cost of funding earning assets | 1.4322% | 1,268 |
| Net interest margin | 3.5244% | 5,048 |
| Noninterest income to average assets | 0.5192% | 3,712 |
| Noninterest expense to average assets | 2.7525% | 4,621 |
| Loan and lease loss provision to assets | 0.1003% | 5,067 |
| Net operating income to assets | 0.6542% | 3,778 |
| Return on assets (ROA) | 0.6542% | 3,902 |
| Pretax return on assets | 1.0036% | 3,222 |
| Return on Equity (ROE) | 6.7388% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.7388% | 1,993 |
| Net charge-offs to loans | 0.0235% | 5,509 |
| Credit loss provision to net charge-offs | 541.6667% | 569 |
| Earnings coverage of net charge-offs (x) | 59.6250% | 546 |
| Efficiency ratio | 71.3743% | 3,859 |
| Assets per employee ($millions) | 3.6008% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,553 |
| Loan loss allowance to noncurrent loans | 184.2447% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 6,040 |
| Noncurrent loans to loans | 0.5092% | 5,881 |
| Net loans and leases to total assets | 79.8544% | 545 |
| Net loans and leases to deposits | 93.6662% | 898 |
| Net loans and leases to core deposits | 99.1315% | 1,424 |
| Total domestic deposits to total assets | 85.2542% | 3,752 |
| Equity capital to assets | 9.7831% | 4,407 |
| Core capital (leverage) ratio | 9.7237% | 3,633 |
| Tier 1 risk-based capital ratio | 15.1114% | 3,442 |
| Total risk-based capital ratio | 16.2947% | 3,441 |
| Memoranda: | ||
| Average total assets | $259,254,000 | 2,464 |
| Average earning assets | $245,490,330 | 2,369 |
| Average equity | $25,167,670 | 2,541 |
| Average total loans | $204,634,670 | 2,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 3,558 |
| Cost of funding earning assets | 1.4418% | 1,427 |
| Net interest margin | 3.4640% | 5,166 |
| Noninterest income to average assets | 0.5205% | 3,726 |
| Noninterest expense to average assets | 2.7532% | 4,634 |
| Loan and lease loss provision to assets | 0.0932% | 4,847 |
| Net operating income to assets | 0.6168% | 3,952 |
| Return on assets (ROA) | 0.6168% | 4,018 |
| Pretax return on assets | 0.9478% | 3,328 |
| Return on Equity (ROE) | 6.3792% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.3792% | 2,431 |
| Net charge-offs to loans | 0.0318% | 4,654 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 41.8750% | 664 |
| Efficiency ratio | 72.5635% | 3,757 |
| Assets per employee ($millions) | 3.6539% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,552 |
| Loan loss allowance to noncurrent loans | 168.3566% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 6,079 |
| Noncurrent loans to loans | 0.5633% | 5,900 |
| Net loans and leases to total assets | 77.5480% | 792 |
| Net loans and leases to deposits | 90.9086% | 1,134 |
| Net loans and leases to core deposits | 96.1286% | 1,666 |
| Total domestic deposits to total assets | 85.3033% | 3,883 |
| Equity capital to assets | 9.6675% | 4,225 |
| Core capital (leverage) ratio | 9.7060% | 3,515 |
| Tier 1 risk-based capital ratio | 15.2722% | 3,272 |
| Total risk-based capital ratio | 16.4519% | 3,273 |
| Memoranda: | ||
| Average total assets | $257,450,500 | 2,495 |
| Average earning assets | $243,305,000 | 2,417 |
| Average equity | $24,893,500 | 2,555 |
| Average total loans | $201,005,000 | 2,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 4,483 |
| Cost of funding earning assets | 1.6639% | 1,758 |
| Net interest margin | 3.3513% | 5,787 |
| Noninterest income to average assets | 0.5698% | 3,678 |
| Noninterest expense to average assets | 2.7170% | 4,918 |
| Loan and lease loss provision to assets | 0.0947% | 6,198 |
| Net operating income to assets | 0.6217% | 3,577 |
| Return on assets (ROA) | 0.6179% | 3,761 |
| Pretax return on assets | 0.9091% | 3,248 |
| Return on Equity (ROE) | 6.5363% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.5363% | 1,535 |
| Net charge-offs to loans | 0.1093% | 5,779 |
| Credit loss provision to net charge-offs | 114.2857% | 3,796 |
| Earnings coverage of net charge-offs (x) | 12.1810% | 1,532 |
| Efficiency ratio | 72.9140% | 3,615 |
| Assets per employee ($millions) | 3.7026% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,588 |
| Loan loss allowance to noncurrent loans | 188.2000% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 6,293 |
| Noncurrent loans to loans | 0.5028% | 6,033 |
| Net loans and leases to total assets | 77.1200% | 1,068 |
| Net loans and leases to deposits | 89.3427% | 1,607 |
| Net loans and leases to core deposits | 94.6853% | 2,175 |
| Total domestic deposits to total assets | 86.3193% | 3,189 |
| Equity capital to assets | 9.6710% | 4,185 |
| Core capital (leverage) ratio | 9.5403% | 3,661 |
| Tier 1 risk-based capital ratio | 15.3829% | 3,049 |
| Total risk-based capital ratio | 16.5629% | 3,049 |
| Memoranda: | ||
| Average total assets | $253,441,400 | 2,512 |
| Average earning assets | $238,710,600 | 2,439 |
| Average equity | $23,958,400 | 2,658 |
| Average total loans | $192,165,600 | 2,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 4,730 |
| Cost of funding earning assets | 1.7075% | 1,838 |
| Net interest margin | 3.3097% | 5,984 |
| Noninterest income to average assets | 0.5878% | 3,520 |
| Noninterest expense to average assets | 2.6889% | 4,927 |
| Loan and lease loss provision to assets | 0.0949% | 6,073 |
| Net operating income to assets | 0.6228% | 3,781 |
| Return on assets (ROA) | 0.6178% | 3,971 |
| Pretax return on assets | 0.9119% | 3,515 |
| Return on Equity (ROE) | 6.5736% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.5736% | 2,055 |
| Net charge-offs to loans | 0.1407% | 5,174 |
| Credit loss provision to net charge-offs | 89.5522% | 4,785 |
| Earnings coverage of net charge-offs (x) | 9.5723% | 2,006 |
| Efficiency ratio | 72.6121% | 3,589 |
| Assets per employee ($millions) | 3.6460% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,606 |
| Loan loss allowance to noncurrent loans | 141.9380% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 6,184 |
| Noncurrent loans to loans | 0.6632% | 5,875 |
| Net loans and leases to total assets | 74.4289% | 1,706 |
| Net loans and leases to deposits | 86.3527% | 2,267 |
| Net loans and leases to core deposits | 91.8321% | 2,830 |
| Total domestic deposits to total assets | 86.1917% | 2,978 |
| Equity capital to assets | 9.4292% | 4,947 |
| Core capital (leverage) ratio | 9.3299% | 4,166 |
| Tier 1 risk-based capital ratio | 15.1260% | 3,194 |
| Total risk-based capital ratio | 16.2733% | 3,229 |
| Memoranda: | ||
| Average total assets | $252,932,750 | 2,558 |
| Average earning assets | $238,079,750 | 2,489 |
| Average equity | $23,771,250 | 2,720 |
| Average total loans | $190,480,750 | 2,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 4,762 |
| Cost of funding earning assets | 1.7431% | 1,906 |
| Net interest margin | 3.2933% | 6,035 |
| Noninterest income to average assets | 0.5507% | 3,707 |
| Noninterest expense to average assets | 2.6674% | 5,048 |
| Loan and lease loss provision to assets | 0.0956% | 5,955 |
| Net operating income to assets | 0.5975% | 3,891 |
| Return on assets (ROA) | 0.5921% | 4,051 |
| Pretax return on assets | 0.8798% | 3,582 |
| Return on Equity (ROE) | 6.3077% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.3077% | 2,163 |
| Net charge-offs to loans | 0.2136% | 4,327 |
| Credit loss provision to net charge-offs | 59.4059% | 5,218 |
| Earnings coverage of net charge-offs (x) | 6.1089% | 2,522 |
| Efficiency ratio | 73.0627% | 3,646 |
| Assets per employee ($millions) | 3.3923% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,665 |
| Loan loss allowance to noncurrent loans | 133.0827% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 6,139 |
| Noncurrent loans to loans | 0.6979% | 5,849 |
| Net loans and leases to total assets | 73.2349% | 2,100 |
| Net loans and leases to deposits | 84.6282% | 2,764 |
| Net loans and leases to core deposits | 90.2503% | 3,216 |
| Total domestic deposits to total assets | 86.5371% | 2,795 |
| Equity capital to assets | 9.3033% | 5,000 |
| Core capital (leverage) ratio | 9.3850% | 3,982 |
| Tier 1 risk-based capital ratio | 15.3400% | 2,983 |
| Total risk-based capital ratio | 16.4852% | 2,999 |
| Memoranda: | ||
| Average total assets | $250,955,000 | 2,593 |
| Average earning assets | $236,240,330 | 2,530 |
| Average equity | $23,558,670 | 2,737 |
| Average total loans | $189,140,330 | 2,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 4,467 |
| Cost of funding earning assets | 1.8016% | 1,867 |
| Net interest margin | 3.3112% | 5,928 |
| Noninterest income to average assets | 0.5478% | 3,662 |
| Noninterest expense to average assets | 2.6664% | 5,078 |
| Loan and lease loss provision to assets | 0.0970% | 5,661 |
| Net operating income to assets | 0.6060% | 3,867 |
| Return on assets (ROA) | 0.6060% | 4,020 |
| Pretax return on assets | 0.9001% | 3,469 |
| Return on Equity (ROE) | 6.4252% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.4252% | 2,395 |
| Net charge-offs to loans | -0.0106% | 6,907 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7834% | 3,801 |
| Assets per employee ($millions) | 3.5030% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,399 |
| Loan loss allowance to noncurrent loans | 142.1053% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 6,126 |
| Noncurrent loans to loans | 0.7122% | 5,909 |
| Net loans and leases to total assets | 74.3390% | 1,903 |
| Net loans and leases to deposits | 86.2472% | 2,541 |
| Net loans and leases to core deposits | 92.3758% | 3,059 |
| Total domestic deposits to total assets | 86.1930% | 3,034 |
| Equity capital to assets | 9.3383% | 4,777 |
| Core capital (leverage) ratio | 9.4447% | 3,863 |
| Tier 1 risk-based capital ratio | 15.1850% | 3,019 |
| Total risk-based capital ratio | 16.4321% | 2,985 |
| Memoranda: | ||
| Average total assets | $247,526,000 | 2,681 |
| Average earning assets | $232,905,500 | 2,613 |
| Average equity | $23,345,500 | 2,786 |
| Average total loans | $188,421,000 | 2,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 4,059 |
| Cost of funding earning assets | 2.1182% | 2,376 |
| Net interest margin | 3.3979% | 5,376 |
| Noninterest income to average assets | 0.6111% | 3,542 |
| Noninterest expense to average assets | 2.8602% | 4,694 |
| Loan and lease loss provision to assets | 0.1578% | 6,098 |
| Net operating income to assets | 0.5557% | 3,503 |
| Return on assets (ROA) | 0.5566% | 3,584 |
| Pretax return on assets | 0.7957% | 3,254 |
| Return on Equity (ROE) | 5.7219% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.7219% | 1,462 |
| Net charge-offs to loans | 0.0656% | 6,455 |
| Credit loss provision to net charge-offs | 309.3220% | 1,068 |
| Earnings coverage of net charge-offs (x) | 18.6610% | 1,115 |
| Efficiency ratio | 75.0227% | 3,708 |
| Assets per employee ($millions) | 3.5193% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,454 |
| Loan loss allowance to noncurrent loans | 147.3349% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 6,084 |
| Noncurrent loans to loans | 0.6707% | 5,894 |
| Net loans and leases to total assets | 76.4212% | 1,706 |
| Net loans and leases to deposits | 88.8731% | 2,408 |
| Net loans and leases to core deposits | 116.3253% | 2,284 |
| Total domestic deposits to total assets | 85.9891% | 3,025 |
| Equity capital to assets | 9.5284% | 4,383 |
| Core capital (leverage) ratio | 9.6461% | 3,523 |
| Tier 1 risk-based capital ratio | 15.1190% | 2,879 |
| Total risk-based capital ratio | 16.3383% | 2,849 |
| Memoranda: | ||
| Average total assets | $231,239,600 | 2,807 |
| Average earning assets | $217,869,400 | 2,732 |
| Average equity | $22,492,600 | 2,891 |
| Average total loans | $179,763,800 | 2,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 3,926 |
| Cost of funding earning assets | 2.1726% | 2,542 |
| Net interest margin | 3.4175% | 5,187 |
| Noninterest income to average assets | 0.6505% | 3,347 |
| Noninterest expense to average assets | 2.8010% | 4,896 |
| Loan and lease loss provision to assets | 0.1635% | 5,716 |
| Net operating income to assets | 0.6288% | 3,499 |
| Return on assets (ROA) | 0.6300% | 3,561 |
| Pretax return on assets | 0.9097% | 3,200 |
| Return on Equity (ROE) | 6.4422% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.4422% | 1,741 |
| Net charge-offs to loans | 0.0862% | 5,823 |
| Credit loss provision to net charge-offs | 243.4783% | 1,785 |
| Earnings coverage of net charge-offs (x) | 15.9565% | 1,506 |
| Efficiency ratio | 72.3311% | 4,184 |
| Assets per employee ($millions) | 3.4087% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,468 |
| Loan loss allowance to noncurrent loans | 388.1579% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 7,045 |
| Noncurrent loans to loans | 0.2484% | 6,886 |
| Net loans and leases to total assets | 77.3105% | 1,718 |
| Net loans and leases to deposits | 90.3308% | 2,510 |
| Net loans and leases to core deposits | 117.9039% | 2,427 |
| Total domestic deposits to total assets | 85.5859% | 2,926 |
| Equity capital to assets | 9.7729% | 4,389 |
| Core capital (leverage) ratio | 9.8297% | 3,481 |
| Tier 1 risk-based capital ratio | 15.4280% | 2,857 |
| Total risk-based capital ratio | 16.6280% | 2,818 |
| Memoranda: | ||
| Average total assets | $228,341,250 | 2,862 |
| Average earning assets | $215,281,000 | 2,782 |
| Average equity | $22,331,250 | 2,929 |
| Average total loans | $177,847,750 | 2,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 4,008 |
| Cost of funding earning assets | 2.2394% | 2,629 |
| Net interest margin | 3.3732% | 5,274 |
| Noninterest income to average assets | 0.6529% | 3,320 |
| Noninterest expense to average assets | 2.8267% | 4,845 |
| Loan and lease loss provision to assets | 0.1062% | 6,095 |
| Net operating income to assets | 0.6231% | 3,569 |
| Return on assets (ROA) | 0.6255% | 3,673 |
| Pretax return on assets | 0.9007% | 3,334 |
| Return on Equity (ROE) | 6.3944% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.3944% | 1,845 |
| Net charge-offs to loans | 0.0568% | 5,699 |
| Credit loss provision to net charge-offs | 240.0000% | 1,941 |
| Earnings coverage of net charge-offs (x) | 22.6800% | 1,215 |
| Efficiency ratio | 73.8046% | 4,060 |
| Assets per employee ($millions) | 3.2835% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,656 |
| Loan loss allowance to noncurrent loans | 503.0030% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 7,203 |
| Noncurrent loans to loans | 0.1846% | 7,055 |
| Net loans and leases to total assets | 77.7481% | 1,807 |
| Net loans and leases to deposits | 90.8255% | 2,691 |
| Net loans and leases to core deposits | 115.4720% | 2,763 |
| Total domestic deposits to total assets | 85.6017% | 2,960 |
| Equity capital to assets | 9.7896% | 4,228 |
| Core capital (leverage) ratio | 9.7746% | 3,549 |
| Tier 1 risk-based capital ratio | 15.2836% | 2,889 |
| Total risk-based capital ratio | 16.4272% | 2,885 |
| Memoranda: | ||
| Average total assets | $226,054,670 | 2,905 |
| Average earning assets | $212,911,000 | 2,831 |
| Average equity | $22,113,000 | 2,957 |
| Average total loans | $175,928,670 | 2,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 4,007 |
| Cost of funding earning assets | 2.3016% | 2,693 |
| Net interest margin | 3.3567% | 5,298 |
| Noninterest income to average assets | 0.5835% | 3,663 |
| Noninterest expense to average assets | 2.7391% | 4,829 |
| Loan and lease loss provision to assets | 0.1071% | 5,595 |
| Net operating income to assets | 0.6281% | 3,893 |
| Return on assets (ROA) | 0.6281% | 4,075 |
| Pretax return on assets | 0.8994% | 3,713 |
| Return on Equity (ROE) | 6.4237% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.4237% | 2,451 |
| Net charge-offs to loans | 0.0599% | 4,625 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 21.6923% | 1,331 |
| Efficiency ratio | 73.1301% | 3,982 |
| Assets per employee ($millions) | 3.3583% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,549 |
| Loan loss allowance to noncurrent loans | 495.1662% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 7,136 |
| Noncurrent loans to loans | 0.1900% | 6,990 |
| Net loans and leases to total assets | 75.5812% | 2,369 |
| Net loans and leases to deposits | 88.3451% | 3,229 |
| Net loans and leases to core deposits | 111.6344% | 3,246 |
| Total domestic deposits to total assets | 85.5523% | 2,941 |
| Equity capital to assets | 9.6374% | 4,471 |
| Core capital (leverage) ratio | 9.8402% | 3,589 |
| Tier 1 risk-based capital ratio | 14.9541% | 3,089 |
| Total risk-based capital ratio | 16.0665% | 3,077 |
| Memoranda: | ||
| Average total assets | $224,159,000 | 2,945 |
| Average earning assets | $211,159,500 | 2,865 |
| Average equity | $21,919,000 | 2,986 |
| Average total loans | $173,705,000 | 2,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 6,034 |
| Cost of funding earning assets | 2.6452% | 3,460 |
| Net interest margin | 3.2549% | 6,197 |
| Noninterest income to average assets | 0.5695% | 4,083 |
| Noninterest expense to average assets | 2.9618% | 4,224 |
| Loan and lease loss provision to assets | 0.2749% | 4,196 |
| Net operating income to assets | 0.2984% | 5,551 |
| Return on assets (ROA) | 0.3457% | 5,187 |
| Pretax return on assets | 0.4385% | 5,161 |
| Return on Equity (ROE) | 3.4033% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.4033% | 3,025 |
| Net charge-offs to loans | 0.0871% | 5,498 |
| Credit loss provision to net charge-offs | 410.7143% | 1,063 |
| Earnings coverage of net charge-offs (x) | 9.9500% | 2,603 |
| Efficiency ratio | 81.6396% | 2,355 |
| Assets per employee ($millions) | 3.1878% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,522 |
| Loan loss allowance to noncurrent loans | 529.7030% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 7,029 |
| Noncurrent loans to loans | 0.1750% | 6,863 |
| Net loans and leases to total assets | 78.0007% | 2,135 |
| Net loans and leases to deposits | 91.4702% | 3,222 |
| Net loans and leases to core deposits | 114.2279% | 3,314 |
| Total domestic deposits to total assets | 85.2744% | 2,716 |
| Equity capital to assets | 9.9247% | 4,127 |
| Core capital (leverage) ratio | 9.8982% | 3,548 |
| Tier 1 risk-based capital ratio | 15.2828% | 2,926 |
| Total risk-based capital ratio | 16.4142% | 2,895 |
| Memoranda: | ||
| Average total assets | $209,131,200 | 3,016 |
| Average earning assets | $196,506,600 | 2,933 |
| Average equity | $21,244,000 | 3,072 |
| Average total loans | $160,813,000 | 2,764 |