Home > The Fauquier Bank > Performance and Condition Ratios
The Fauquier Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 3,175 |
| Cost of funding earning assets | 0.1774% | 4,099 |
| Net interest margin | 3.2286% | 2,611 |
| Noninterest income to average assets | 0.9382% | 1,241 |
| Noninterest expense to average assets | 3.6553% | 388 |
| Loan and lease loss provision to assets | 0.1013% | 1,331 |
| Net operating income to assets | 0.1376% | 4,680 |
| Return on assets (ROA) | 0.1351% | 4,703 |
| Pretax return on assets | 0.1693% | 4,689 |
| Return on Equity (ROE) | 1.6050% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.6050% | 4,097 |
| Net charge-offs to loans | -0.0561% | 4,440 |
| Credit loss provision to net charge-offs | -258.6207% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0331% | 301 |
| Assets per employee ($millions) | 6.6955% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,182 |
| Loan loss allowance to noncurrent loans | 255.7692% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,024 |
| Noncurrent loans to loans | 0.4503% | 2,507 |
| Net loans and leases to total assets | 67.6937% | 1,566 |
| Net loans and leases to deposits | 75.3760% | 1,976 |
| Net loans and leases to core deposits | 76.5593% | 2,301 |
| Total domestic deposits to total assets | 89.8080% | 911 |
| Equity capital to assets | 8.1204% | 4,417 |
| Core capital (leverage) ratio | 8.3114% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2678% | 2,177 |
| Memoranda: | ||
| Average total assets | $888,471,000 | 1,047 |
| Average earning assets | $823,011,000 | 1,053 |
| Average equity | $74,765,500 | 1,280 |
| Average total loans | $620,356,500 | 991 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,107 |
| Cost of funding earning assets | 0.3221% | 4,016 |
| Net interest margin | 3.5505% | 2,309 |
| Noninterest income to average assets | 0.8226% | 1,470 |
| Noninterest expense to average assets | 3.0010% | 1,434 |
| Loan and lease loss provision to assets | 0.2228% | 1,757 |
| Net operating income to assets | 0.7105% | 3,398 |
| Return on assets (ROA) | 0.8137% | 3,159 |
| Pretax return on assets | 0.9864% | 3,085 |
| Return on Equity (ROE) | 8.7818% | 2,476 |
| Retained earnings to average equity (ytd only) | 5.4956% | 2,044 |
| Net charge-offs to loans | 0.0217% | 2,624 |
| Credit loss provision to net charge-offs | 1,363.8462% | 612 |
| Earnings coverage of net charge-offs (x) | 66.3154% | 1,012 |
| Efficiency ratio | 73.4755% | 1,510 |
| Assets per employee ($millions) | 6.1883% | 2,178 |
| Cash dividends to net income (ytd only)* | 37.4208% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,399 |
| Loan loss allowance to noncurrent loans | 375.6151% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 2,509 |
| Noncurrent loans to loans | 0.2964% | 3,137 |
| Net loans and leases to total assets | 70.4389% | 1,502 |
| Net loans and leases to deposits | 79.5812% | 1,914 |
| Net loans and leases to core deposits | 80.9293% | 2,282 |
| Total domestic deposits to total assets | 88.5120% | 1,221 |
| Equity capital to assets | 8.7248% | 4,273 |
| Core capital (leverage) ratio | 8.5371% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8682% | 2,292 |
| Memoranda: | ||
| Average total assets | $795,757,600 | 1,061 |
| Average earning assets | $731,051,800 | 1,062 |
| Average equity | $73,732,200 | 1,241 |
| Average total loans | $599,444,800 | 978 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 3,238 |
| Cost of funding earning assets | 0.3532% | 4,041 |
| Net interest margin | 3.5510% | 2,421 |
| Noninterest income to average assets | 0.8216% | 1,417 |
| Noninterest expense to average assets | 2.7941% | 1,980 |
| Loan and lease loss provision to assets | 0.2752% | 1,459 |
| Net operating income to assets | 0.8606% | 2,859 |
| Return on assets (ROA) | 0.8621% | 2,992 |
| Pretax return on assets | 1.0120% | 3,027 |
| Return on Equity (ROE) | 9.1552% | 2,334 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,283 |
| Net charge-offs to loans | 0.0296% | 2,241 |
| Credit loss provision to net charge-offs | 1,216.6667% | 726 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 1,123 |
| Efficiency ratio | 68.4896% | 2,117 |
| Assets per employee ($millions) | 5.8293% | 2,419 |
| Cash dividends to net income (ytd only)* | 38.7398% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,461 |
| Loan loss allowance to noncurrent loans | 354.1755% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 2,621 |
| Noncurrent loans to loans | 0.2964% | 3,215 |
| Net loans and leases to total assets | 75.2468% | 1,198 |
| Net loans and leases to deposits | 85.3160% | 1,777 |
| Net loans and leases to core deposits | 86.6847% | 2,258 |
| Total domestic deposits to total assets | 88.1978% | 1,117 |
| Equity capital to assets | 8.9992% | 4,123 |
| Core capital (leverage) ratio | 8.6710% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6294% | 2,354 |
| Memoranda: | ||
| Average total assets | $778,107,250 | 1,067 |
| Average earning assets | $713,884,500 | 1,070 |
| Average equity | $73,268,250 | 1,234 |
| Average total loans | $595,025,000 | 979 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,172 |
| Cost of funding earning assets | 0.4018% | 4,027 |
| Net interest margin | 3.6548% | 2,304 |
| Noninterest income to average assets | 0.8038% | 1,426 |
| Noninterest expense to average assets | 2.7904% | 2,123 |
| Loan and lease loss provision to assets | 0.3329% | 1,284 |
| Net operating income to assets | 0.8728% | 2,797 |
| Return on assets (ROA) | 0.8751% | 2,907 |
| Pretax return on assets | 1.0279% | 2,940 |
| Return on Equity (ROE) | 9.1435% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.0779% | 2,437 |
| Net charge-offs to loans | 0.0303% | 2,116 |
| Credit loss provision to net charge-offs | 1,432.9545% | 620 |
| Earnings coverage of net charge-offs (x) | 58.4659% | 983 |
| Efficiency ratio | 67.2627% | 2,339 |
| Assets per employee ($millions) | 5.5353% | 2,602 |
| Cash dividends to net income (ytd only)* | 44.4646% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,425 |
| Loan loss allowance to noncurrent loans | 253.8675% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,439 |
| Noncurrent loans to loans | 0.4049% | 2,952 |
| Net loans and leases to total assets | 74.7202% | 1,314 |
| Net loans and leases to deposits | 87.2463% | 1,634 |
| Net loans and leases to core deposits | 88.7008% | 2,181 |
| Total domestic deposits to total assets | 85.6428% | 2,146 |
| Equity capital to assets | 9.0128% | 4,079 |
| Core capital (leverage) ratio | 9.0026% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4813% | 2,409 |
| Memoranda: | ||
| Average total assets | $757,669,667 | 1,077 |
| Average earning assets | $693,389,000 | 1,088 |
| Average equity | $72,510,667 | 1,233 |
| Average total loans | $580,587,333 | 987 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,018 |
| Cost of funding earning assets | 0.4945% | 3,968 |
| Net interest margin | 3.7705% | 2,082 |
| Noninterest income to average assets | 0.8772% | 1,115 |
| Noninterest expense to average assets | 3.1127% | 1,608 |
| Loan and lease loss provision to assets | 0.1933% | 1,558 |
| Net operating income to assets | 0.8666% | 2,629 |
| Return on assets (ROA) | 0.8695% | 2,725 |
| Pretax return on assets | 1.0197% | 2,783 |
| Return on Equity (ROE) | 8.7934% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.1453% | 1,823 |
| Net charge-offs to loans | -0.0122% | 4,143 |
| Credit loss provision to net charge-offs | -2,058.8235% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0128% | 2,073 |
| Assets per employee ($millions) | 4.8439% | 2,821 |
| Cash dividends to net income (ytd only)* | 30.1144% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,792 |
| Loan loss allowance to noncurrent loans | 258.6223% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,548 |
| Noncurrent loans to loans | 0.3804% | 3,124 |
| Net loans and leases to total assets | 77.4909% | 1,054 |
| Net loans and leases to deposits | 89.4037% | 1,582 |
| Net loans and leases to core deposits | 91.0423% | 2,246 |
| Total domestic deposits to total assets | 86.6753% | 1,705 |
| Equity capital to assets | 10.0314% | 3,753 |
| Core capital (leverage) ratio | 9.8092% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4124% | 2,524 |
| Memoranda: | ||
| Average total assets | $724,126,000 | 1,082 |
| Average earning assets | $661,659,000 | 1,088 |
| Average equity | $71,599,000 | 1,242 |
| Average total loans | $559,551,000 | 995 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 3,135 |
| Cost of funding earning assets | 0.6579% | 3,374 |
| Net interest margin | 3.7823% | 2,563 |
| Noninterest income to average assets | 0.9597% | 1,057 |
| Noninterest expense to average assets | 3.1694% | 1,594 |
| Loan and lease loss provision to assets | 0.0481% | 3,065 |
| Net operating income to assets | 1.0182% | 2,782 |
| Return on assets (ROA) | 1.0290% | 2,831 |
| Pretax return on assets | 1.2101% | 2,805 |
| Return on Equity (ROE) | 10.9728% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.0364% | 1,373 |
| Net charge-offs to loans | 0.0539% | 2,331 |
| Credit loss provision to net charge-offs | 117.2881% | 2,154 |
| Earnings coverage of net charge-offs (x) | 30.3559% | 1,569 |
| Efficiency ratio | 71.7882% | 1,900 |
| Assets per employee ($millions) | 5.1182% | 2,438 |
| Cash dividends to net income (ytd only)* | 35.8746% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,746 |
| Loan loss allowance to noncurrent loans | 199.1238% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,233 |
| Noncurrent loans to loans | 0.4769% | 2,761 |
| Net loans and leases to total assets | 75.5534% | 1,493 |
| Net loans and leases to deposits | 87.5564% | 1,904 |
| Net loans and leases to core deposits | 89.4515% | 2,471 |
| Total domestic deposits to total assets | 86.2911% | 1,937 |
| Equity capital to assets | 9.7430% | 4,159 |
| Core capital (leverage) ratio | 9.4019% | 4,167 |
| Tier 1 risk-based capital ratio | 12.5846% | 4,019 |
| Total risk-based capital ratio | 13.5398% | 4,060 |
| Memoranda: | ||
| Average total assets | $718,975,200 | 1,044 |
| Average earning assets | $656,787,800 | 1,050 |
| Average equity | $67,421,000 | 1,257 |
| Average total loans | $547,156,200 | 984 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 3,260 |
| Cost of funding earning assets | 0.6632% | 3,380 |
| Net interest margin | 3.7693% | 2,688 |
| Noninterest income to average assets | 0.9519% | 1,038 |
| Noninterest expense to average assets | 3.1245% | 1,653 |
| Loan and lease loss provision to assets | 0.0473% | 2,948 |
| Net operating income to assets | 1.0435% | 2,805 |
| Return on assets (ROA) | 1.0580% | 2,824 |
| Pretax return on assets | 1.2403% | 2,848 |
| Return on Equity (ROE) | 11.3943% | 1,842 |
| Retained earnings to average equity (ytd only) | 8.2879% | 1,285 |
| Net charge-offs to loans | 0.0088% | 3,052 |
| Credit loss provision to net charge-offs | 708.3333% | 470 |
| Earnings coverage of net charge-offs (x) | 190.1342% | 456 |
| Efficiency ratio | 71.0913% | 1,956 |
| Assets per employee ($millions) | 5.0054% | 2,561 |
| Cash dividends to net income (ytd only)* | 27.2632% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,647 |
| Loan loss allowance to noncurrent loans | 192.1981% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 2,289 |
| Noncurrent loans to loans | 0.5134% | 2,753 |
| Net loans and leases to total assets | 74.5866% | 1,704 |
| Net loans and leases to deposits | 88.1571% | 1,910 |
| Net loans and leases to core deposits | 92.3932% | 2,327 |
| Total domestic deposits to total assets | 84.6065% | 2,577 |
| Equity capital to assets | 9.6202% | 4,367 |
| Core capital (leverage) ratio | 9.5934% | 4,071 |
| Tier 1 risk-based capital ratio | 12.7257% | 4,012 |
| Total risk-based capital ratio | 13.7314% | 4,037 |
| Memoranda: | ||
| Average total assets | $718,301,500 | 1,052 |
| Average earning assets | $656,164,000 | 1,054 |
| Average equity | $66,698,250 | 1,268 |
| Average total loans | $546,327,000 | 987 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 3,291 |
| Cost of funding earning assets | 0.6548% | 3,384 |
| Net interest margin | 3.7610% | 2,713 |
| Noninterest income to average assets | 0.9187% | 1,040 |
| Noninterest expense to average assets | 3.1545% | 1,606 |
| Loan and lease loss provision to assets | 0.0712% | 2,391 |
| Net operating income to assets | 0.9694% | 3,031 |
| Return on assets (ROA) | 0.9908% | 3,028 |
| Pretax return on assets | 1.1584% | 3,044 |
| Return on Equity (ROE) | 10.8015% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.8194% | 1,462 |
| Net charge-offs to loans | 0.0077% | 2,873 |
| Credit loss provision to net charge-offs | 1,214.2857% | 290 |
| Earnings coverage of net charge-offs (x) | 205.3333% | 384 |
| Efficiency ratio | 72.3625% | 1,867 |
| Assets per employee ($millions) | 4.9118% | 2,591 |
| Cash dividends to net income (ytd only)* | 27.6086% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,661 |
| Loan loss allowance to noncurrent loans | 195.9073% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,289 |
| Noncurrent loans to loans | 0.5075% | 2,758 |
| Net loans and leases to total assets | 75.1040% | 1,705 |
| Net loans and leases to deposits | 88.6834% | 1,913 |
| Net loans and leases to core deposits | 93.2827% | 2,304 |
| Total domestic deposits to total assets | 84.6877% | 2,604 |
| Equity capital to assets | 9.4643% | 4,438 |
| Core capital (leverage) ratio | 9.4330% | 4,217 |
| Tier 1 risk-based capital ratio | 12.3782% | 4,194 |
| Total risk-based capital ratio | 13.3822% | 4,231 |
| Memoranda: | ||
| Average total assets | $715,810,000 | 1,056 |
| Average earning assets | $654,819,670 | 1,059 |
| Average equity | $65,657,330 | 1,280 |
| Average total loans | $546,193,670 | 991 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 3,296 |
| Cost of funding earning assets | 0.6093% | 3,515 |
| Net interest margin | 3.7735% | 2,620 |
| Noninterest income to average assets | 0.9078% | 1,026 |
| Noninterest expense to average assets | 3.1971% | 1,494 |
| Loan and lease loss provision to assets | 0.0280% | 3,052 |
| Net operating income to assets | 0.9747% | 2,952 |
| Return on assets (ROA) | 1.0146% | 2,834 |
| Pretax return on assets | 1.1863% | 2,859 |
| Return on Equity (ROE) | 11.2408% | 1,846 |
| Retained earnings to average equity (ytd only) | 8.4275% | 1,513 |
| Net charge-offs to loans | -0.0402% | 4,764 |
| Credit loss provision to net charge-offs | -90.9091% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2445% | 1,852 |
| Assets per employee ($millions) | 4.8953% | 2,652 |
| Cash dividends to net income (ytd only)* | 25.0276% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,877 |
| Loan loss allowance to noncurrent loans | 168.6143% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,162 |
| Noncurrent loans to loans | 0.5745% | 2,606 |
| Net loans and leases to total assets | 77.1295% | 1,300 |
| Net loans and leases to deposits | 91.1234% | 1,495 |
| Net loans and leases to core deposits | 95.7511% | 1,949 |
| Total domestic deposits to total assets | 84.6428% | 2,802 |
| Equity capital to assets | 9.3840% | 4,356 |
| Core capital (leverage) ratio | 9.4464% | 4,203 |
| Tier 1 risk-based capital ratio | 12.2179% | 4,345 |
| Total risk-based capital ratio | 13.2033% | 4,379 |
| Memoranda: | ||
| Average total assets | $715,150,000 | 1,058 |
| Average earning assets | $655,207,000 | 1,065 |
| Average equity | $64,550,500 | 1,291 |
| Average total loans | $547,289,500 | 992 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 3,032 |
| Cost of funding earning assets | 0.4913% | 3,415 |
| Net interest margin | 3.8313% | 2,556 |
| Noninterest income to average assets | 0.9078% | 1,160 |
| Noninterest expense to average assets | 3.3164% | 1,284 |
| Loan and lease loss provision to assets | 0.0751% | 2,624 |
| Net operating income to assets | 0.8839% | 3,480 |
| Return on assets (ROA) | 0.9919% | 3,040 |
| Pretax return on assets | 1.1453% | 3,118 |
| Return on Equity (ROE) | 10.9836% | 2,087 |
| Retained earnings to average equity (ytd only) | 8.0130% | 1,228 |
| Net charge-offs to loans | 0.0817% | 1,970 |
| Credit loss provision to net charge-offs | 119.2941% | 2,180 |
| Earnings coverage of net charge-offs (x) | 17.4118% | 2,201 |
| Efficiency ratio | 75.1569% | 1,473 |
| Assets per employee ($millions) | 5.1427% | 2,332 |
| Cash dividends to net income (ytd only)* | 27.0460% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,986 |
| Loan loss allowance to noncurrent loans | 160.7453% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,163 |
| Noncurrent loans to loans | 0.5861% | 2,533 |
| Net loans and leases to total assets | 74.5194% | 1,836 |
| Net loans and leases to deposits | 85.5779% | 2,337 |
| Net loans and leases to core deposits | 89.4332% | 2,616 |
| Total domestic deposits to total assets | 87.0778% | 1,752 |
| Equity capital to assets | 8.6831% | 4,813 |
| Core capital (leverage) ratio | 9.3887% | 4,247 |
| Tier 1 risk-based capital ratio | 11.8919% | 4,504 |
| Total risk-based capital ratio | 12.8519% | 4,560 |
| Memoranda: | ||
| Average total assets | $675,040,200 | 1,086 |
| Average earning assets | $617,514,800 | 1,088 |
| Average equity | $60,963,800 | 1,300 |
| Average total loans | $519,926,000 | 1,007 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,862 |
| Cost of funding earning assets | 0.4509% | 3,517 |
| Net interest margin | 3.8750% | 2,390 |
| Noninterest income to average assets | 0.9328% | 1,100 |
| Noninterest expense to average assets | 3.3611% | 1,175 |
| Loan and lease loss provision to assets | 0.1022% | 1,958 |
| Net operating income to assets | 0.8633% | 3,687 |
| Return on assets (ROA) | 1.0086% | 3,062 |
| Pretax return on assets | 1.1786% | 3,074 |
| Return on Equity (ROE) | 11.0500% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.0478% | 1,627 |
| Net charge-offs to loans | 0.1007% | 1,485 |
| Credit loss provision to net charge-offs | 131.0078% | 1,882 |
| Earnings coverage of net charge-offs (x) | 14.2480% | 2,294 |
| Efficiency ratio | 75.1431% | 1,442 |
| Assets per employee ($millions) | 4.4621% | 3,178 |
| Cash dividends to net income (ytd only)* | 27.1690% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,905 |
| Loan loss allowance to noncurrent loans | 123.4960% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 1,778 |
| Noncurrent loans to loans | 0.7921% | 2,125 |
| Net loans and leases to total assets | 78.8578% | 1,190 |
| Net loans and leases to deposits | 93.1671% | 1,484 |
| Net loans and leases to core deposits | 96.1024% | 2,109 |
| Total domestic deposits to total assets | 84.6412% | 2,740 |
| Equity capital to assets | 9.1869% | 4,379 |
| Core capital (leverage) ratio | 9.5634% | 4,097 |
| Tier 1 risk-based capital ratio | 11.7002% | 4,668 |
| Total risk-based capital ratio | 12.6701% | 4,719 |
| Memoranda: | ||
| Average total assets | $661,233,250 | 1,103 |
| Average earning assets | $604,092,750 | 1,109 |
| Average equity | $60,354,750 | 1,314 |
| Average total loans | $512,565,750 | 1,022 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,789 |
| Cost of funding earning assets | 0.4120% | 3,631 |
| Net interest margin | 3.8803% | 2,275 |
| Noninterest income to average assets | 0.9339% | 1,092 |
| Noninterest expense to average assets | 3.3896% | 1,146 |
| Loan and lease loss provision to assets | 0.0948% | 2,033 |
| Net operating income to assets | 0.8499% | 3,680 |
| Return on assets (ROA) | 1.0687% | 2,720 |
| Pretax return on assets | 1.2476% | 2,735 |
| Return on Equity (ROE) | 11.7346% | 1,827 |
| Retained earnings to average equity (ytd only) | 8.7134% | 1,316 |
| Net charge-offs to loans | 0.1693% | 919 |
| Credit loss provision to net charge-offs | 72.8972% | 2,324 |
| Earnings coverage of net charge-offs (x) | 8.3692% | 2,484 |
| Efficiency ratio | 75.7037% | 1,465 |
| Assets per employee ($millions) | 4.2535% | 3,488 |
| Cash dividends to net income (ytd only)* | 25.7460% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,988 |
| Loan loss allowance to noncurrent loans | 115.0451% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 1,713 |
| Noncurrent loans to loans | 0.8468% | 2,030 |
| Net loans and leases to total assets | 77.7478% | 1,358 |
| Net loans and leases to deposits | 89.3720% | 1,922 |
| Net loans and leases to core deposits | 95.3226% | 2,124 |
| Total domestic deposits to total assets | 86.9935% | 1,841 |
| Equity capital to assets | 9.3469% | 4,246 |
| Core capital (leverage) ratio | 9.4564% | 4,167 |
| Tier 1 risk-based capital ratio | 12.0087% | 4,489 |
| Total risk-based capital ratio | 12.9752% | 4,548 |
| Memoranda: | ||
| Average total assets | $658,540,670 | 1,109 |
| Average earning assets | $601,404,000 | 1,115 |
| Average equity | $59,976,670 | 1,324 |
| Average total loans | $505,748,330 | 1,037 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 2,868 |
| Cost of funding earning assets | 0.3974% | 3,610 |
| Net interest margin | 3.8066% | 2,403 |
| Noninterest income to average assets | 0.9257% | 1,082 |
| Noninterest expense to average assets | 3.3157% | 1,323 |
| Loan and lease loss provision to assets | 0.1812% | 945 |
| Net operating income to assets | 0.7797% | 3,793 |
| Return on assets (ROA) | 1.0543% | 2,640 |
| Pretax return on assets | 1.2337% | 2,626 |
| Return on Equity (ROE) | 11.7279% | 1,675 |
| Retained earnings to average equity (ytd only) | 8.6851% | 1,584 |
| Net charge-offs to loans | -0.0048% | 3,992 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2295% | 1,714 |
| Assets per employee ($millions) | 4.4517% | 3,239 |
| Cash dividends to net income (ytd only)* | 25.9450% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,536 |
| Loan loss allowance to noncurrent loans | 93.2642% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 1,494 |
| Noncurrent loans to loans | 1.1500% | 1,584 |
| Net loans and leases to total assets | 73.1297% | 2,008 |
| Net loans and leases to deposits | 86.2712% | 2,132 |
| Net loans and leases to core deposits | 92.1328% | 2,290 |
| Total domestic deposits to total assets | 84.7672% | 3,013 |
| Equity capital to assets | 8.7750% | 4,770 |
| Core capital (leverage) ratio | 9.0812% | 4,586 |
| Tier 1 risk-based capital ratio | 11.7371% | 4,720 |
| Total risk-based capital ratio | 12.7841% | 4,738 |
| Memoranda: | ||
| Average total assets | $662,416,000 | 1,115 |
| Average earning assets | $605,888,000 | 1,120 |
| Average equity | $59,550,500 | 1,339 |
| Average total loans | $503,146,000 | 1,046 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,301 |
| Cost of funding earning assets | 0.3198% | 3,954 |
| Net interest margin | 3.7108% | 2,760 |
| Noninterest income to average assets | 0.9774% | 1,076 |
| Noninterest expense to average assets | 3.3280% | 1,320 |
| Loan and lease loss provision to assets | 0.0820% | 2,559 |
| Net operating income to assets | 0.4608% | 4,489 |
| Return on assets (ROA) | 0.4609% | 4,520 |
| Pretax return on assets | 0.9509% | 3,731 |
| Return on Equity (ROE) | 4.9625% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.8940% | 4,179 |
| Net charge-offs to loans | -0.0103% | 4,796 |
| Credit loss provision to net charge-offs | -1,061.2245% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3184% | 1,572 |
| Assets per employee ($millions) | 4.2915% | 3,498 |
| Cash dividends to net income (ytd only)* | 61.8331% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,859 |
| Loan loss allowance to noncurrent loans | 105.1393% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 1,609 |
| Noncurrent loans to loans | 0.9636% | 1,836 |
| Net loans and leases to total assets | 77.3167% | 1,376 |
| Net loans and leases to deposits | 87.2779% | 2,100 |
| Net loans and leases to core deposits | 91.8980% | 2,387 |
| Total domestic deposits to total assets | 88.5867% | 1,203 |
| Equity capital to assets | 9.2173% | 4,510 |
| Core capital (leverage) ratio | 9.1655% | 4,440 |
| Tier 1 risk-based capital ratio | 11.4278% | 4,901 |
| Total risk-based capital ratio | 12.4101% | 4,936 |
| Memoranda: | ||
| Average total assets | $634,462,800 | 1,141 |
| Average earning assets | $578,477,600 | 1,149 |
| Average equity | $58,922,400 | 1,329 |
| Average total loans | $475,875,000 | 1,076 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 3,477 |
| Cost of funding earning assets | 0.3111% | 4,014 |
| Net interest margin | 3.6531% | 2,936 |
| Noninterest income to average assets | 0.9892% | 1,050 |
| Noninterest expense to average assets | 3.3276% | 1,285 |
| Loan and lease loss provision to assets | 0.0833% | 2,426 |
| Net operating income to assets | 0.7144% | 3,901 |
| Return on assets (ROA) | 0.7146% | 3,963 |
| Pretax return on assets | 0.9071% | 4,017 |
| Return on Equity (ROE) | 7.6798% | 3,306 |
| Retained earnings to average equity (ytd only) | 4.6061% | 3,139 |
| Net charge-offs to loans | 0.1398% | 1,406 |
| Credit loss provision to net charge-offs | 80.2846% | 2,579 |
| Earnings coverage of net charge-offs (x) | 9.5427% | 2,682 |
| Efficiency ratio | 77.0662% | 1,452 |
| Assets per employee ($millions) | 4.1498% | 3,741 |
| Cash dividends to net income (ytd only)* | 40.0235% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,552 |
| Loan loss allowance to noncurrent loans | 86.4169% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 1,643 |
| Noncurrent loans to loans | 1.0453% | 1,853 |
| Net loans and leases to total assets | 77.0115% | 1,417 |
| Net loans and leases to deposits | 87.2972% | 2,148 |
| Net loans and leases to core deposits | 91.8012% | 2,460 |
| Total domestic deposits to total assets | 88.2176% | 1,246 |
| Equity capital to assets | 9.5664% | 4,380 |
| Core capital (leverage) ratio | 9.5116% | 4,150 |
| Tier 1 risk-based capital ratio | 12.0706% | 4,558 |
| Total risk-based capital ratio | 12.9588% | 4,706 |
| Memoranda: | ||
| Average total assets | $632,147,500 | 1,148 |
| Average earning assets | $576,012,750 | 1,162 |
| Average equity | $58,819,500 | 1,343 |
| Average total loans | $469,143,750 | 1,088 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 3,668 |
| Cost of funding earning assets | 0.3056% | 4,028 |
| Net interest margin | 3.5582% | 3,190 |
| Noninterest income to average assets | 1.0060% | 1,007 |
| Noninterest expense to average assets | 3.3651% | 1,241 |
| Loan and lease loss provision to assets | 0.0901% | 2,177 |
| Net operating income to assets | 0.6383% | 4,134 |
| Return on assets (ROA) | 0.6383% | 4,182 |
| Pretax return on assets | 0.7901% | 4,309 |
| Return on Equity (ROE) | 6.9248% | 3,593 |
| Retained earnings to average equity (ytd only) | 3.8208% | 3,417 |
| Net charge-offs to loans | 0.2294% | 892 |
| Credit loss provision to net charge-offs | 53.7736% | 2,522 |
| Earnings coverage of net charge-offs (x) | 5.2528% | 2,842 |
| Efficiency ratio | 79.2672% | 1,297 |
| Assets per employee ($millions) | 4.3307% | 3,378 |
| Cash dividends to net income (ytd only)* | 44.8242% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,576 |
| Loan loss allowance to noncurrent loans | 88.7023% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 1,832 |
| Noncurrent loans to loans | 1.0317% | 1,904 |
| Net loans and leases to total assets | 71.8006% | 2,236 |
| Net loans and leases to deposits | 80.9706% | 2,808 |
| Net loans and leases to core deposits | 84.6028% | 3,006 |
| Total domestic deposits to total assets | 88.6749% | 1,114 |
| Equity capital to assets | 9.1928% | 4,722 |
| Core capital (leverage) ratio | 9.3649% | 4,274 |
| Tier 1 risk-based capital ratio | 12.3496% | 4,388 |
| Total risk-based capital ratio | 13.2413% | 4,525 |
| Memoranda: | ||
| Average total assets | $632,605,670 | 1,155 |
| Average earning assets | $575,909,000 | 1,168 |
| Average equity | $58,312,000 | 1,355 |
| Average total loans | $462,126,330 | 1,107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 3,761 |
| Cost of funding earning assets | 0.2949% | 4,100 |
| Net interest margin | 3.5067% | 3,250 |
| Noninterest income to average assets | 1.0219% | 963 |
| Noninterest expense to average assets | 3.4662% | 1,091 |
| Loan and lease loss provision to assets | 0.0319% | 3,146 |
| Net operating income to assets | 0.5851% | 4,218 |
| Return on assets (ROA) | 0.5851% | 4,264 |
| Pretax return on assets | 0.7134% | 4,412 |
| Return on Equity (ROE) | 6.3382% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.2106% | 3,822 |
| Net charge-offs to loans | 0.0853% | 1,499 |
| Credit loss provision to net charge-offs | 51.0204% | 1,974 |
| Earnings coverage of net charge-offs (x) | 11.9082% | 1,864 |
| Efficiency ratio | 82.3021% | 1,132 |
| Assets per employee ($millions) | 4.1659% | 3,730 |
| Cash dividends to net income (ytd only)* | 49.3450% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 4,380 |
| Loan loss allowance to noncurrent loans | 79.2951% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 1,598 |
| Noncurrent loans to loans | 1.2391% | 1,634 |
| Net loans and leases to total assets | 71.7221% | 2,108 |
| Net loans and leases to deposits | 81.8067% | 2,535 |
| Net loans and leases to core deposits | 85.6443% | 2,751 |
| Total domestic deposits to total assets | 87.6727% | 1,906 |
| Equity capital to assets | 9.2563% | 4,560 |
| Core capital (leverage) ratio | 9.4431% | 4,184 |
| Tier 1 risk-based capital ratio | 12.4333% | 4,422 |
| Total risk-based capital ratio | 13.3830% | 4,526 |
| Memoranda: | ||
| Average total assets | $626,270,000 | 1,163 |
| Average earning assets | $569,650,000 | 1,181 |
| Average equity | $57,808,500 | 1,359 |
| Average total loans | $459,393,500 | 1,110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,613 |
| Cost of funding earning assets | 0.2964% | 4,103 |
| Net interest margin | 3.5914% | 3,102 |
| Noninterest income to average assets | 0.9998% | 1,147 |
| Noninterest expense to average assets | 3.4812% | 1,207 |
| Loan and lease loss provision to assets | -0.0829% | 5,667 |
| Net operating income to assets | 0.6648% | 3,929 |
| Return on assets (ROA) | 0.6649% | 4,046 |
| Pretax return on assets | 0.8515% | 4,007 |
| Return on Equity (ROE) | 7.2656% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.6595% | 1,912 |
| Net charge-offs to loans | -0.1848% | 5,724 |
| Credit loss provision to net charge-offs | 60.4762% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9169% | 1,208 |
| Assets per employee ($millions) | 4.1566% | 3,690 |
| Cash dividends to net income (ytd only)* | 22.1050% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 4,454 |
| Loan loss allowance to noncurrent loans | 70.9025% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 1,441 |
| Noncurrent loans to loans | 1.3780% | 1,487 |
| Net loans and leases to total assets | 73.5564% | 1,919 |
| Net loans and leases to deposits | 83.9002% | 2,430 |
| Net loans and leases to core deposits | 87.9038% | 2,687 |
| Total domestic deposits to total assets | 87.6713% | 1,803 |
| Equity capital to assets | 9.2046% | 4,577 |
| Core capital (leverage) ratio | 9.2277% | 4,440 |
| Tier 1 risk-based capital ratio | 12.2164% | 4,563 |
| Total risk-based capital ratio | 13.1671% | 4,666 |
| Memoranda: | ||
| Average total assets | $613,040,400 | 1,146 |
| Average earning assets | $554,742,600 | 1,160 |
| Average equity | $56,100,000 | 1,371 |
| Average total loans | $454,495,800 | 1,081 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,721 |
| Cost of funding earning assets | 0.2911% | 4,199 |
| Net interest margin | 3.5733% | 3,186 |
| Noninterest income to average assets | 1.0095% | 1,131 |
| Noninterest expense to average assets | 3.4578% | 1,227 |
| Loan and lease loss provision to assets | -0.1110% | 5,803 |
| Net operating income to assets | 0.6962% | 3,874 |
| Return on assets (ROA) | 0.6963% | 4,002 |
| Pretax return on assets | 0.8940% | 3,996 |
| Return on Equity (ROE) | 7.6206% | 3,230 |
| Retained earnings to average equity (ytd only) | 5.4668% | 2,503 |
| Net charge-offs to loans | -0.2158% | 5,781 |
| Credit loss provision to net charge-offs | 69.3989% | 2,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5400% | 1,243 |
| Assets per employee ($millions) | 4.3227% | 3,378 |
| Cash dividends to net income (ytd only)* | 28.2622% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 4,585 |
| Loan loss allowance to noncurrent loans | 86.4045% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 1,982 |
| Noncurrent loans to loans | 1.1179% | 2,014 |
| Net loans and leases to total assets | 72.7551% | 2,052 |
| Net loans and leases to deposits | 82.9717% | 2,604 |
| Net loans and leases to core deposits | 87.1595% | 2,834 |
| Total domestic deposits to total assets | 87.6866% | 1,563 |
| Equity capital to assets | 9.1611% | 5,016 |
| Core capital (leverage) ratio | 9.1615% | 4,646 |
| Tier 1 risk-based capital ratio | 12.2067% | 4,672 |
| Total risk-based capital ratio | 13.1490% | 4,747 |
| Memoranda: | ||
| Average total assets | $610,428,000 | 1,155 |
| Average earning assets | $551,962,500 | 1,168 |
| Average equity | $55,777,500 | 1,388 |
| Average total loans | $452,334,250 | 1,076 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,742 |
| Cost of funding earning assets | 0.2908% | 4,240 |
| Net interest margin | 3.5684% | 3,221 |
| Noninterest income to average assets | 1.0274% | 1,061 |
| Noninterest expense to average assets | 3.5210% | 1,130 |
| Loan and lease loss provision to assets | -0.3077% | 5,981 |
| Net operating income to assets | 0.7935% | 3,338 |
| Return on assets (ROA) | 0.7935% | 3,481 |
| Pretax return on assets | 1.0396% | 3,434 |
| Return on Equity (ROE) | 8.6919% | 2,640 |
| Retained earnings to average equity (ytd only) | 5.4370% | 2,460 |
| Net charge-offs to loans | -0.5951% | 5,958 |
| Credit loss provision to net charge-offs | 69.5749% | 2,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7918% | 1,176 |
| Assets per employee ($millions) | 4.2874% | 3,394 |
| Cash dividends to net income (ytd only)* | 37.4480% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 4,464 |
| Loan loss allowance to noncurrent loans | 116.0404% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 2,393 |
| Noncurrent loans to loans | 0.8701% | 2,566 |
| Net loans and leases to total assets | 73.0658% | 2,002 |
| Net loans and leases to deposits | 83.3979% | 2,544 |
| Net loans and leases to core deposits | 88.0078% | 2,726 |
| Total domestic deposits to total assets | 87.6110% | 1,620 |
| Equity capital to assets | 9.0997% | 5,159 |
| Core capital (leverage) ratio | 9.1891% | 4,613 |
| Tier 1 risk-based capital ratio | 11.8871% | 4,908 |
| Total risk-based capital ratio | 12.8564% | 4,986 |
| Memoranda: | ||
| Average total assets | $606,414,330 | 1,167 |
| Average earning assets | $548,141,000 | 1,183 |
| Average equity | $55,361,670 | 1,400 |
| Average total loans | $450,680,670 | 1,079 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,700 |
| Cost of funding earning assets | 0.2879% | 4,297 |
| Net interest margin | 3.5811% | 3,160 |
| Noninterest income to average assets | 1.0530% | 975 |
| Noninterest expense to average assets | 3.5765% | 1,057 |
| Loan and lease loss provision to assets | 0.1331% | 1,584 |
| Net operating income to assets | 0.4932% | 4,654 |
| Return on assets (ROA) | 0.4932% | 4,756 |
| Pretax return on assets | 0.5804% | 4,876 |
| Return on Equity (ROE) | 5.3937% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.1109% | 4,409 |
| Net charge-offs to loans | 0.0152% | 2,634 |
| Credit loss provision to net charge-offs | 1,176.4706% | 336 |
| Earnings coverage of net charge-offs (x) | 63.0588% | 751 |
| Efficiency ratio | 83.3670% | 1,216 |
| Assets per employee ($millions) | 4.0963% | 3,778 |
| Cash dividends to net income (ytd only)* | 60.8637% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 4,746 |
| Loan loss allowance to noncurrent loans | 106.3168% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 2,419 |
| Noncurrent loans to loans | 0.9157% | 2,563 |
| Net loans and leases to total assets | 73.9179% | 1,742 |
| Net loans and leases to deposits | 84.5017% | 2,252 |
| Net loans and leases to core deposits | 88.7778% | 2,481 |
| Total domestic deposits to total assets | 87.4751% | 1,946 |
| Equity capital to assets | 9.1681% | 5,023 |
| Core capital (leverage) ratio | 9.3281% | 4,458 |
| Tier 1 risk-based capital ratio | 11.6444% | 5,140 |
| Total risk-based capital ratio | 12.5674% | 5,238 |
| Memoranda: | ||
| Average total assets | $600,929,000 | 1,172 |
| Average earning assets | $543,182,500 | 1,197 |
| Average equity | $54,952,500 | 1,406 |
| Average total loans | $448,172,000 | 1,083 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,238 |
| Cost of funding earning assets | 0.3266% | 3,947 |
| Net interest margin | 3.6930% | 2,771 |
| Noninterest income to average assets | 1.1981% | 835 |
| Noninterest expense to average assets | 3.4374% | 1,418 |
| Loan and lease loss provision to assets | 1.3387% | 60 |
| Net operating income to assets | -0.0386% | 5,890 |
| Return on assets (ROA) | -0.0382% | 5,912 |
| Pretax return on assets | -0.2435% | 5,976 |
| Return on Equity (ROE) | -0.3976% | 5,913 |
| Retained earnings to average equity (ytd only) | -3.5311% | 5,848 |
| Net charge-offs to loans | 2.0444% | 66 |
| Credit loss provision to net charge-offs | 86.9754% | 2,815 |
| Earnings coverage of net charge-offs (x) | 0.7111% | 4,192 |
| Efficiency ratio | 75.8483% | 2,299 |
| Assets per employee ($millions) | 4.0796% | 3,797 |
| Cash dividends to net income (ytd only)* | -788.1579% | 6,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,927 |
| Loan loss allowance to noncurrent loans | 89.9014% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 2,189 |
| Noncurrent loans to loans | 1.0437% | 2,243 |
| Net loans and leases to total assets | 73.8156% | 1,761 |
| Net loans and leases to deposits | 84.3216% | 2,326 |
| Net loans and leases to core deposits | 88.4844% | 2,556 |
| Total domestic deposits to total assets | 87.5405% | 1,869 |
| Equity capital to assets | 9.1210% | 5,000 |
| Core capital (leverage) ratio | 9.1263% | 4,718 |
| Tier 1 risk-based capital ratio | 11.6394% | 5,169 |
| Total risk-based capital ratio | 12.5272% | 5,282 |
| Memoranda: | ||
| Average total assets | $597,607,600 | 1,137 |
| Average earning assets | $539,480,600 | 1,168 |
| Average equity | $57,348,200 | 1,306 |
| Average total loans | $449,914,200 | 1,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 3,257 |
| Cost of funding earning assets | 0.3402% | 3,857 |
| Net interest margin | 3.6804% | 2,847 |
| Noninterest income to average assets | 1.2065% | 828 |
| Noninterest expense to average assets | 3.5295% | 1,237 |
| Loan and lease loss provision to assets | 0.0447% | 3,318 |
| Net operating income to assets | 0.7687% | 3,590 |
| Return on assets (ROA) | 0.7693% | 3,675 |
| Pretax return on assets | 0.9551% | 3,800 |
| Return on Equity (ROE) | 7.9179% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.8197% | 3,034 |
| Net charge-offs to loans | 0.2411% | 1,083 |
| Credit loss provision to net charge-offs | 24.5399% | 3,326 |
| Earnings coverage of net charge-offs (x) | 5.4896% | 3,196 |
| Efficiency ratio | 77.9389% | 1,956 |
| Assets per employee ($millions) | 4.0031% | 3,872 |
| Cash dividends to net income (ytd only)* | 39.1292% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,608 |
| Loan loss allowance to noncurrent loans | 91.6347% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 2,099 |
| Noncurrent loans to loans | 1.1197% | 2,263 |
| Net loans and leases to total assets | 77.7641% | 1,139 |
| Net loans and leases to deposits | 90.0250% | 1,647 |
| Net loans and leases to core deposits | 95.0534% | 1,973 |
| Total domestic deposits to total assets | 86.3805% | 2,341 |
| Equity capital to assets | 9.9895% | 4,165 |
| Core capital (leverage) ratio | 9.9850% | 3,655 |
| Tier 1 risk-based capital ratio | 12.0487% | 5,050 |
| Total risk-based capital ratio | 13.0231% | 5,143 |
| Memoranda: | ||
| Average total assets | $597,083,250 | 1,148 |
| Average earning assets | $538,945,000 | 1,178 |
| Average equity | $58,010,500 | 1,305 |
| Average total loans | $450,675,500 | 1,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 3,307 |
| Cost of funding earning assets | 0.3621% | 3,671 |
| Net interest margin | 3.6344% | 2,963 |
| Noninterest income to average assets | 1.1032% | 995 |
| Noninterest expense to average assets | 3.4933% | 1,308 |
| Loan and lease loss provision to assets | 0.0334% | 3,450 |
| Net operating income to assets | 0.6722% | 4,021 |
| Return on assets (ROA) | 0.6722% | 4,128 |
| Pretax return on assets | 0.8560% | 4,105 |
| Return on Equity (ROE) | 6.9838% | 3,614 |
| Retained earnings to average equity (ytd only) | 3.8633% | 3,544 |
| Net charge-offs to loans | 0.3621% | 718 |
| Credit loss provision to net charge-offs | 12.3916% | 3,081 |
| Earnings coverage of net charge-offs (x) | 3.2986% | 3,209 |
| Efficiency ratio | 79.7073% | 1,800 |
| Assets per employee ($millions) | 4.0273% | 3,830 |
| Cash dividends to net income (ytd only)* | 44.6819% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 4,679 |
| Loan loss allowance to noncurrent loans | 113.3317% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0073% | 2,508 |
| Noncurrent loans to loans | 0.9143% | 2,839 |
| Net loans and leases to total assets | 75.0531% | 1,494 |
| Net loans and leases to deposits | 86.5385% | 1,998 |
| Net loans and leases to core deposits | 90.8701% | 2,256 |
| Total domestic deposits to total assets | 86.7280% | 2,308 |
| Equity capital to assets | 9.7455% | 4,351 |
| Core capital (leverage) ratio | 9.7516% | 3,937 |
| Tier 1 risk-based capital ratio | 12.0126% | 5,140 |
| Total risk-based capital ratio | 12.9811% | 5,237 |
| Memoranda: | ||
| Average total assets | $598,624,330 | 1,153 |
| Average earning assets | $540,178,330 | 1,174 |
| Average equity | $57,619,330 | 1,319 |
| Average total loans | $445,735,000 | 1,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,341 |
| Cost of funding earning assets | 0.3776% | 3,559 |
| Net interest margin | 3.5917% | 3,042 |
| Noninterest income to average assets | 0.9775% | 1,171 |
| Noninterest expense to average assets | 3.5118% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5767% | 4,378 |
| Return on assets (ROA) | 0.5767% | 4,482 |
| Pretax return on assets | 0.7061% | 4,571 |
| Return on Equity (ROE) | 6.0294% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.8997% | 4,227 |
| Net charge-offs to loans | 0.0045% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 211.8000% | 272 |
| Efficiency ratio | 83.2596% | 1,457 |
| Assets per employee ($millions) | 4.1350% | 3,687 |
| Cash dividends to net income (ytd only)* | 51.9075% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,909 |
| Loan loss allowance to noncurrent loans | 124.7915% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 2,703 |
| Noncurrent loans to loans | 0.9705% | 2,830 |
| Net loans and leases to total assets | 73.7812% | 1,539 |
| Net loans and leases to deposits | 85.0193% | 1,948 |
| Net loans and leases to core deposits | 89.4684% | 2,178 |
| Total domestic deposits to total assets | 86.7817% | 2,509 |
| Equity capital to assets | 9.6866% | 4,526 |
| Core capital (leverage) ratio | 9.6493% | 4,079 |
| Tier 1 risk-based capital ratio | 12.1525% | 5,151 |
| Total risk-based capital ratio | 13.2933% | 5,110 |
| Memoranda: | ||
| Average total assets | $599,917,000 | 1,156 |
| Average earning assets | $541,250,000 | 1,179 |
| Average equity | $57,385,500 | 1,331 |
| Average total loans | $442,587,500 | 1,044 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,620 |
| Cost of funding earning assets | 0.4342% | 3,341 |
| Net interest margin | 3.5915% | 3,443 |
| Noninterest income to average assets | 1.2608% | 760 |
| Noninterest expense to average assets | 3.3983% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8568% | 3,081 |
| Return on assets (ROA) | 0.8572% | 3,179 |
| Pretax return on assets | 1.1165% | 3,023 |
| Return on Equity (ROE) | 9.3233% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.7456% | 2,102 |
| Net charge-offs to loans | 0.2876% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.2571% | 3,470 |
| Efficiency ratio | 75.2782% | 2,627 |
| Assets per employee ($millions) | 4.2865% | 3,383 |
| Cash dividends to net income (ytd only)* | 38.3734% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 3,861 |
| Loan loss allowance to noncurrent loans | 93.3345% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 2,395 |
| Noncurrent loans to loans | 1.3113% | 2,251 |
| Net loans and leases to total assets | 71.9853% | 1,915 |
| Net loans and leases to deposits | 82.7348% | 2,372 |
| Net loans and leases to core deposits | 85.4941% | 2,735 |
| Total domestic deposits to total assets | 87.0073% | 2,283 |
| Equity capital to assets | 9.4463% | 4,783 |
| Core capital (leverage) ratio | 9.4843% | 4,268 |
| Tier 1 risk-based capital ratio | 13.5790% | 4,361 |
| Total risk-based capital ratio | 14.8294% | 4,297 |
| Memoranda: | ||
| Average total assets | $601,056,800 | 1,104 |
| Average earning assets | $544,512,000 | 1,108 |
| Average equity | $55,259,200 | 1,322 |
| Average total loans | $443,736,200 | 993 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 3,594 |
| Cost of funding earning assets | 0.4391% | 3,374 |
| Net interest margin | 3.6015% | 3,421 |
| Noninterest income to average assets | 1.2855% | 738 |
| Noninterest expense to average assets | 3.4024% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8721% | 3,062 |
| Return on assets (ROA) | 0.8721% | 3,156 |
| Pretax return on assets | 1.1500% | 2,985 |
| Return on Equity (ROE) | 9.5519% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.2844% | 2,229 |
| Net charge-offs to loans | 0.0216% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 71.9009% | 762 |
| Efficiency ratio | 74.7389% | 2,696 |
| Assets per employee ($millions) | 4.1860% | 3,515 |
| Cash dividends to net income (ytd only)* | 34.2078% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 2,680 |
| Loan loss allowance to noncurrent loans | 104.8323% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 2,354 |
| Noncurrent loans to loans | 1.4367% | 2,270 |
| Net loans and leases to total assets | 73.5925% | 1,587 |
| Net loans and leases to deposits | 84.8618% | 2,050 |
| Net loans and leases to core deposits | 87.7931% | 2,453 |
| Total domestic deposits to total assets | 86.7204% | 2,464 |
| Equity capital to assets | 9.6299% | 4,634 |
| Core capital (leverage) ratio | 9.5228% | 4,340 |
| Tier 1 risk-based capital ratio | 13.6044% | 4,471 |
| Total risk-based capital ratio | 14.8587% | 4,415 |
| Memoranda: | ||
| Average total assets | $600,222,500 | 1,112 |
| Average earning assets | $544,468,000 | 1,115 |
| Average equity | $54,800,750 | 1,336 |
| Average total loans | $444,553,750 | 997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 3,753 |
| Cost of funding earning assets | 0.4397% | 3,445 |
| Net interest margin | 3.5527% | 3,561 |
| Noninterest income to average assets | 1.1958% | 817 |
| Noninterest expense to average assets | 3.3461% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8030% | 3,312 |
| Return on assets (ROA) | 0.8030% | 3,418 |
| Pretax return on assets | 1.0791% | 3,185 |
| Return on Equity (ROE) | 8.9538% | 2,619 |
| Retained earnings to average equity (ytd only) | 5.6547% | 2,542 |
| Net charge-offs to loans | -0.0385% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6145% | 2,705 |
| Assets per employee ($millions) | 4.1290% | 3,587 |
| Cash dividends to net income (ytd only)* | 36.8464% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,788 |
| Loan loss allowance to noncurrent loans | 131.4580% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 2,521 |
| Noncurrent loans to loans | 1.1588% | 2,907 |
| Net loans and leases to total assets | 72.9174% | 1,587 |
| Net loans and leases to deposits | 83.4479% | 2,093 |
| Net loans and leases to core deposits | 86.4676% | 2,472 |
| Total domestic deposits to total assets | 87.3807% | 2,258 |
| Equity capital to assets | 9.2489% | 5,039 |
| Core capital (leverage) ratio | 9.2907% | 4,605 |
| Tier 1 risk-based capital ratio | 13.2917% | 4,727 |
| Total risk-based capital ratio | 14.5463% | 4,663 |
| Memoranda: | ||
| Average total assets | $604,949,670 | 1,104 |
| Average earning assets | $549,890,670 | 1,112 |
| Average equity | $54,256,000 | 1,337 |
| Average total loans | $446,779,330 | 984 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,777 |
| Cost of funding earning assets | 0.4364% | 3,582 |
| Net interest margin | 3.5407% | 3,517 |
| Noninterest income to average assets | 1.1407% | 857 |
| Noninterest expense to average assets | 3.3799% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7400% | 3,483 |
| Return on assets (ROA) | 0.7400% | 3,563 |
| Pretax return on assets | 0.9841% | 3,392 |
| Return on Equity (ROE) | 8.3803% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.0431% | 3,094 |
| Net charge-offs to loans | 0.0321% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 41.5556% | 854 |
| Efficiency ratio | 77.4495% | 2,564 |
| Assets per employee ($millions) | 4.1839% | 3,562 |
| Cash dividends to net income (ytd only)* | 39.8222% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 3,192 |
| Loan loss allowance to noncurrent loans | 70.7156% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0987% | 1,596 |
| Noncurrent loans to loans | 2.1042% | 1,750 |
| Net loans and leases to total assets | 72.8668% | 1,439 |
| Net loans and leases to deposits | 83.1161% | 1,934 |
| Net loans and leases to core deposits | 86.2899% | 2,292 |
| Total domestic deposits to total assets | 87.6686% | 2,425 |
| Equity capital to assets | 9.0242% | 5,093 |
| Core capital (leverage) ratio | 9.1800% | 4,746 |
| Tier 1 risk-based capital ratio | 13.0814% | 4,957 |
| Total risk-based capital ratio | 14.3356% | 4,892 |
| Memoranda: | ||
| Average total assets | $608,074,000 | 1,113 |
| Average earning assets | $553,570,000 | 1,112 |
| Average equity | $53,697,500 | 1,349 |
| Average total loans | $448,514,000 | 981 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,289 |
| Cost of funding earning assets | 0.5243% | 3,357 |
| Net interest margin | 3.6912% | 3,092 |
| Noninterest income to average assets | 1.2195% | 947 |
| Noninterest expense to average assets | 3.2538% | 2,268 |
| Loan and lease loss provision to assets | 0.3011% | 1,118 |
| Net operating income to assets | 0.7761% | 3,411 |
| Return on assets (ROA) | 0.7942% | 3,416 |
| Pretax return on assets | 1.0615% | 3,104 |
| Return on Equity (ROE) | 9.3613% | 2,386 |
| Retained earnings to average equity (ytd only) | 4.8620% | 2,690 |
| Net charge-offs to loans | 0.3091% | 2,142 |
| Credit loss provision to net charge-offs | 129.4033% | 1,810 |
| Earnings coverage of net charge-offs (x) | 5.7527% | 3,223 |
| Efficiency ratio | 70.8541% | 3,692 |
| Assets per employee ($millions) | 4.5457% | 2,832 |
| Cash dividends to net income (ytd only)* | 48.0623% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,298 |
| Loan loss allowance to noncurrent loans | 62.8547% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 1,301 |
| Noncurrent loans to loans | 2.3499% | 1,633 |
| Net loans and leases to total assets | 72.4695% | 1,604 |
| Net loans and leases to deposits | 82.2423% | 2,154 |
| Net loans and leases to core deposits | 86.4946% | 2,394 |
| Total domestic deposits to total assets | 88.1170% | 2,111 |
| Equity capital to assets | 8.6408% | 5,435 |
| Core capital (leverage) ratio | 8.8879% | 5,156 |
| Tier 1 risk-based capital ratio | 12.7924% | 5,118 |
| Total risk-based capital ratio | 14.0465% | 5,063 |
| Memoranda: | ||
| Average total assets | $597,845,800 | 1,115 |
| Average earning assets | $546,272,400 | 1,108 |
| Average equity | $50,719,400 | 1,401 |
| Average total loans | $450,072,000 | 951 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 3,210 |
| Cost of funding earning assets | 0.5507% | 3,252 |
| Net interest margin | 3.6976% | 3,041 |
| Noninterest income to average assets | 1.2179% | 986 |
| Noninterest expense to average assets | 3.3222% | 2,022 |
| Loan and lease loss provision to assets | 0.2919% | 1,176 |
| Net operating income to assets | 0.7301% | 3,702 |
| Return on assets (ROA) | 0.7301% | 3,826 |
| Pretax return on assets | 0.9838% | 3,568 |
| Return on Equity (ROE) | 8.6471% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.7625% | 4,012 |
| Net charge-offs to loans | 0.3190% | 1,946 |
| Credit loss provision to net charge-offs | 120.8178% | 1,951 |
| Earnings coverage of net charge-offs (x) | 5.2807% | 3,232 |
| Efficiency ratio | 72.2559% | 3,353 |
| Assets per employee ($millions) | 4.2075% | 3,409 |
| Cash dividends to net income (ytd only)* | 56.4883% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,785 |
| Loan loss allowance to noncurrent loans | 74.5829% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.7236% | 2,379 |
| Noncurrent loans to loans | 1.9101% | 2,351 |
| Net loans and leases to total assets | 75.6041% | 1,053 |
| Net loans and leases to deposits | 85.7051% | 1,649 |
| Net loans and leases to core deposits | 90.1287% | 1,952 |
| Total domestic deposits to total assets | 88.2143% | 1,990 |
| Equity capital to assets | 8.5436% | 5,682 |
| Core capital (leverage) ratio | 8.9200% | 5,235 |
| Tier 1 risk-based capital ratio | 12.3458% | 5,544 |
| Total risk-based capital ratio | 13.5995% | 5,483 |
| Memoranda: | ||
| Average total assets | $593,890,000 | 1,132 |
| Average earning assets | $542,856,000 | 1,124 |
| Average equity | $50,142,750 | 1,425 |
| Average total loans | $449,742,500 | 954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 3,294 |
| Cost of funding earning assets | 0.5899% | 3,035 |
| Net interest margin | 3.6276% | 3,252 |
| Noninterest income to average assets | 1.1944% | 1,067 |
| Noninterest expense to average assets | 3.2880% | 2,104 |
| Loan and lease loss provision to assets | 0.3255% | 1,064 |
| Net operating income to assets | 0.6743% | 3,933 |
| Return on assets (ROA) | 0.6743% | 4,095 |
| Pretax return on assets | 0.8992% | 3,913 |
| Return on Equity (ROE) | 8.0181% | 3,090 |
| Retained earnings to average equity (ytd only) | 2.4499% | 4,742 |
| Net charge-offs to loans | 0.1737% | 2,732 |
| Credit loss provision to net charge-offs | 248.5861% | 1,017 |
| Earnings coverage of net charge-offs (x) | 9.3522% | 2,298 |
| Efficiency ratio | 72.8609% | 3,327 |
| Assets per employee ($millions) | 4.1167% | 3,543 |
| Cash dividends to net income (ytd only)* | 69.4458% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,394 |
| Loan loss allowance to noncurrent loans | 66.5563% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 2,151 |
| Noncurrent loans to loans | 2.3189% | 2,039 |
| Net loans and leases to total assets | 74.0770% | 1,234 |
| Net loans and leases to deposits | 83.8836% | 1,820 |
| Net loans and leases to core deposits | 90.3099% | 1,886 |
| Total domestic deposits to total assets | 88.3093% | 2,037 |
| Equity capital to assets | 8.4686% | 5,797 |
| Core capital (leverage) ratio | 8.6921% | 5,435 |
| Tier 1 risk-based capital ratio | 12.1330% | 5,720 |
| Total risk-based capital ratio | 13.3873% | 5,658 |
| Memoranda: | ||
| Average total assets | $594,102,670 | 1,127 |
| Average earning assets | $543,444,000 | 1,126 |
| Average equity | $49,962,000 | 1,430 |
| Average total loans | $447,988,330 | 956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,360 |
| Cost of funding earning assets | 0.6069% | 3,043 |
| Net interest margin | 3.5785% | 3,349 |
| Noninterest income to average assets | 1.0938% | 1,233 |
| Noninterest expense to average assets | 3.2634% | 2,178 |
| Loan and lease loss provision to assets | 0.1119% | 2,836 |
| Net operating income to assets | 0.7373% | 3,494 |
| Return on assets (ROA) | 0.7373% | 3,630 |
| Pretax return on assets | 0.9946% | 3,376 |
| Return on Equity (ROE) | 8.7972% | 2,581 |
| Retained earnings to average equity (ytd only) | 1.2316% | 5,357 |
| Net charge-offs to loans | 0.2992% | 1,768 |
| Credit loss provision to net charge-offs | 49.5549% | 2,608 |
| Earnings coverage of net charge-offs (x) | 4.8991% | 2,455 |
| Efficiency ratio | 74.6779% | 3,143 |
| Assets per employee ($millions) | 4.2162% | 3,507 |
| Cash dividends to net income (ytd only)* | 86.0000% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,448 |
| Loan loss allowance to noncurrent loans | 58.7191% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9938% | 2,356 |
| Noncurrent loans to loans | 2.3056% | 2,270 |
| Net loans and leases to total assets | 74.6178% | 994 |
| Net loans and leases to deposits | 86.9430% | 1,253 |
| Net loans and leases to core deposits | 93.9672% | 1,347 |
| Total domestic deposits to total assets | 85.8238% | 3,622 |
| Equity capital to assets | 8.4157% | 6,085 |
| Core capital (leverage) ratio | 8.7025% | 5,325 |
| Tier 1 risk-based capital ratio | 11.8575% | 5,992 |
| Total risk-based capital ratio | 13.1094% | 5,965 |
| Memoranda: | ||
| Average total assets | $596,809,000 | 1,133 |
| Average earning assets | $546,371,000 | 1,129 |
| Average equity | $50,016,000 | 1,455 |
| Average total loans | $450,522,500 | 950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 2,971 |
| Cost of funding earning assets | 0.7074% | 3,440 |
| Net interest margin | 3.8995% | 2,831 |
| Noninterest income to average assets | 1.1094% | 1,259 |
| Noninterest expense to average assets | 3.2031% | 2,603 |
| Loan and lease loss provision to assets | 0.9812% | 431 |
| Net operating income to assets | 0.3980% | 5,108 |
| Return on assets (ROA) | 0.4207% | 5,266 |
| Pretax return on assets | 0.5196% | 5,220 |
| Return on Equity (ROE) | 4.9400% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.4285% | 5,641 |
| Net charge-offs to loans | 1.3761% | 675 |
| Credit loss provision to net charge-offs | 92.4976% | 3,372 |
| Earnings coverage of net charge-offs (x) | 1.3883% | 4,761 |
| Efficiency ratio | 68.5036% | 4,057 |
| Assets per employee ($millions) | 4.1607% | 3,635 |
| Cash dividends to net income (ytd only)* | 91.3253% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 4,231 |
| Loan loss allowance to noncurrent loans | 58.0466% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 2,346 |
| Noncurrent loans to loans | 2.3885% | 2,243 |
| Net loans and leases to total assets | 74.2919% | 1,155 |
| Net loans and leases to deposits | 86.3588% | 1,469 |
| Net loans and leases to core deposits | 93.2046% | 1,534 |
| Total domestic deposits to total assets | 86.0270% | 3,354 |
| Equity capital to assets | 8.3457% | 6,163 |
| Core capital (leverage) ratio | 8.7866% | 5,199 |
| Tier 1 risk-based capital ratio | 11.7158% | 5,947 |
| Total risk-based capital ratio | 12.9681% | 5,918 |
| Memoranda: | ||
| Average total assets | $591,837,600 | 1,120 |
| Average earning assets | $541,275,000 | 1,117 |
| Average equity | $50,404,800 | 1,404 |
| Average total loans | $456,208,000 | 911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,670 |
| Cost of funding earning assets | 0.7365% | 3,467 |
| Net interest margin | 3.9936% | 2,524 |
| Noninterest income to average assets | 1.1694% | 1,112 |
| Noninterest expense to average assets | 3.2195% | 2,501 |
| Loan and lease loss provision to assets | 0.8700% | 520 |
| Net operating income to assets | 0.5588% | 4,579 |
| Return on assets (ROA) | 0.5871% | 4,721 |
| Pretax return on assets | 0.7699% | 4,599 |
| Return on Equity (ROE) | 6.8585% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.3474% | 4,513 |
| Net charge-offs to loans | 0.5748% | 1,900 |
| Credit loss provision to net charge-offs | 195.2333% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.5963% | 3,584 |
| Efficiency ratio | 66.7651% | 4,294 |
| Assets per employee ($millions) | 3.8508% | 4,198 |
| Cash dividends to net income (ytd only)* | 51.1933% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,490 |
| Loan loss allowance to noncurrent loans | 68.5300% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.5511% | 2,067 |
| Noncurrent loans to loans | 2.7666% | 2,035 |
| Net loans and leases to total assets | 77.6111% | 775 |
| Net loans and leases to deposits | 90.4677% | 1,101 |
| Net loans and leases to core deposits | 98.9703% | 1,193 |
| Total domestic deposits to total assets | 85.7887% | 3,368 |
| Equity capital to assets | 8.9213% | 5,902 |
| Core capital (leverage) ratio | 9.0530% | 4,985 |
| Tier 1 risk-based capital ratio | 12.2078% | 5,831 |
| Total risk-based capital ratio | 13.4672% | 5,800 |
| Memoranda: | ||
| Average total assets | $590,013,500 | 1,138 |
| Average earning assets | $539,647,750 | 1,135 |
| Average equity | $50,505,500 | 1,413 |
| Average total loans | $457,418,500 | 906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 2,850 |
| Cost of funding earning assets | 0.7530% | 3,581 |
| Net interest margin | 3.9643% | 2,661 |
| Noninterest income to average assets | 1.1595% | 1,056 |
| Noninterest expense to average assets | 3.1950% | 2,608 |
| Loan and lease loss provision to assets | 1.1084% | 384 |
| Net operating income to assets | 0.3920% | 5,236 |
| Return on assets (ROA) | 0.4363% | 5,316 |
| Pretax return on assets | 0.5415% | 5,332 |
| Return on Equity (ROE) | 5.1672% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.6389% | 5,388 |
| Net charge-offs to loans | 0.2525% | 3,068 |
| Credit loss provision to net charge-offs | 569.9482% | 548 |
| Earnings coverage of net charge-offs (x) | 8.2021% | 2,347 |
| Efficiency ratio | 66.6994% | 4,381 |
| Assets per employee ($millions) | 3.8457% | 4,206 |
| Cash dividends to net income (ytd only)* | 68.2833% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,098 |
| Loan loss allowance to noncurrent loans | 124.6077% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6619% | 3,224 |
| Noncurrent loans to loans | 1.6496% | 3,430 |
| Net loans and leases to total assets | 77.5336% | 781 |
| Net loans and leases to deposits | 89.9899% | 1,152 |
| Net loans and leases to core deposits | 100.2476% | 1,082 |
| Total domestic deposits to total assets | 86.1581% | 3,279 |
| Equity capital to assets | 8.6426% | 6,083 |
| Core capital (leverage) ratio | 8.7943% | 5,223 |
| Tier 1 risk-based capital ratio | 11.6553% | 6,136 |
| Total risk-based capital ratio | 12.9162% | 6,110 |
| Memoranda: | ||
| Average total assets | $595,430,670 | 1,120 |
| Average earning assets | $545,321,330 | 1,122 |
| Average equity | $50,278,330 | 1,408 |
| Average total loans | $458,588,330 | 896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 3,037 |
| Cost of funding earning assets | 0.7677% | 3,715 |
| Net interest margin | 3.9367% | 2,777 |
| Noninterest income to average assets | 1.1035% | 1,160 |
| Noninterest expense to average assets | 3.3829% | 2,049 |
| Loan and lease loss provision to assets | 0.3318% | 1,887 |
| Net operating income to assets | 0.7379% | 3,694 |
| Return on assets (ROA) | 0.7379% | 3,929 |
| Pretax return on assets | 0.9993% | 3,677 |
| Return on Equity (ROE) | 8.8388% | 2,894 |
| Retained earnings to average equity (ytd only) | 5.3176% | 3,371 |
| Net charge-offs to loans | 0.3065% | 2,437 |
| Credit loss provision to net charge-offs | 142.4501% | 1,734 |
| Earnings coverage of net charge-offs (x) | 5.7151% | 2,309 |
| Efficiency ratio | 71.7624% | 3,487 |
| Assets per employee ($millions) | 3.7511% | 4,532 |
| Cash dividends to net income (ytd only)* | 39.8381% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 4,134 |
| Loan loss allowance to noncurrent loans | 139.4363% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 4,161 |
| Noncurrent loans to loans | 1.0787% | 4,539 |
| Net loans and leases to total assets | 75.9876% | 797 |
| Net loans and leases to deposits | 88.0503% | 1,155 |
| Net loans and leases to core deposits | 98.3389% | 1,108 |
| Total domestic deposits to total assets | 86.3003% | 3,360 |
| Equity capital to assets | 8.5257% | 6,063 |
| Core capital (leverage) ratio | 8.6265% | 5,408 |
| Tier 1 risk-based capital ratio | 11.6668% | 6,180 |
| Total risk-based capital ratio | 12.9205% | 6,153 |
| Memoranda: | ||
| Average total assets | $602,792,000 | 1,104 |
| Average earning assets | $552,842,500 | 1,102 |
| Average equity | $50,323,500 | 1,404 |
| Average total loans | $458,036,000 | 899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 3,213 |
| Cost of funding earning assets | 0.8855% | 4,215 |
| Net interest margin | 4.0430% | 2,662 |
| Noninterest income to average assets | 0.9845% | 1,408 |
| Noninterest expense to average assets | 3.3251% | 2,442 |
| Loan and lease loss provision to assets | 0.3216% | 3,110 |
| Net operating income to assets | 0.7640% | 3,197 |
| Return on assets (ROA) | 0.7534% | 3,414 |
| Pretax return on assets | 1.0274% | 3,131 |
| Return on Equity (ROE) | 9.2455% | 2,350 |
| Retained earnings to average equity (ytd only) | 3.6079% | 3,646 |
| Net charge-offs to loans | 0.3292% | 3,745 |
| Credit loss provision to net charge-offs | 127.8439% | 2,427 |
| Earnings coverage of net charge-offs (x) | 5.4200% | 2,796 |
| Efficiency ratio | 70.9181% | 3,789 |
| Assets per employee ($millions) | 3.9289% | 4,011 |
| Cash dividends to net income (ytd only)* | 60.9761% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 4,164 |
| Loan loss allowance to noncurrent loans | 142.4820% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,377 |
| Noncurrent loans to loans | 1.0291% | 4,651 |
| Net loans and leases to total assets | 73.7642% | 1,315 |
| Net loans and leases to deposits | 85.1555% | 1,783 |
| Net loans and leases to core deposits | 96.2479% | 1,473 |
| Total domestic deposits to total assets | 86.6229% | 2,964 |
| Equity capital to assets | 8.1770% | 6,455 |
| Core capital (leverage) ratio | 8.4294% | 5,668 |
| Tier 1 risk-based capital ratio | 11.6509% | 6,058 |
| Total risk-based capital ratio | 12.9045% | 6,042 |
| Memoranda: | ||
| Average total assets | $601,006,800 | 1,092 |
| Average earning assets | $550,637,000 | 1,081 |
| Average equity | $48,975,400 | 1,391 |
| Average total loans | $459,327,600 | 909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 3,181 |
| Cost of funding earning assets | 0.9013% | 4,387 |
| Net interest margin | 4.0797% | 2,554 |
| Noninterest income to average assets | 1.0595% | 1,196 |
| Noninterest expense to average assets | 3.3540% | 2,335 |
| Loan and lease loss provision to assets | 0.3280% | 2,915 |
| Net operating income to assets | 0.8205% | 3,059 |
| Return on assets (ROA) | 0.7939% | 3,357 |
| Pretax return on assets | 1.0775% | 3,105 |
| Return on Equity (ROE) | 9.7513% | 2,298 |
| Retained earnings to average equity (ytd only) | 4.7647% | 3,337 |
| Net charge-offs to loans | 0.2597% | 3,808 |
| Credit loss provision to net charge-offs | 164.3575% | 1,858 |
| Earnings coverage of net charge-offs (x) | 7.2235% | 2,394 |
| Efficiency ratio | 69.9428% | 3,964 |
| Assets per employee ($millions) | 3.7013% | 4,535 |
| Cash dividends to net income (ytd only)* | 51.1373% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 4,033 |
| Loan loss allowance to noncurrent loans | 152.9896% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 4,041 |
| Noncurrent loans to loans | 0.9891% | 4,910 |
| Net loans and leases to total assets | 74.2502% | 1,293 |
| Net loans and leases to deposits | 85.7095% | 1,717 |
| Net loans and leases to core deposits | 97.3801% | 1,484 |
| Total domestic deposits to total assets | 86.6301% | 2,867 |
| Equity capital to assets | 8.2908% | 6,492 |
| Core capital (leverage) ratio | 8.4953% | 5,718 |
| Tier 1 risk-based capital ratio | 11.7544% | 6,065 |
| Total risk-based capital ratio | 13.0085% | 6,062 |
| Memoranda: | ||
| Average total assets | $598,030,000 | 1,107 |
| Average earning assets | $547,644,500 | 1,093 |
| Average equity | $48,689,750 | 1,404 |
| Average total loans | $459,449,750 | 924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 3,191 |
| Cost of funding earning assets | 0.9038% | 4,630 |
| Net interest margin | 4.0881% | 2,452 |
| Noninterest income to average assets | 1.0163% | 1,284 |
| Noninterest expense to average assets | 3.3891% | 2,291 |
| Loan and lease loss provision to assets | 0.2586% | 3,332 |
| Net operating income to assets | 0.8261% | 2,958 |
| Return on assets (ROA) | 0.7802% | 3,283 |
| Pretax return on assets | 1.0495% | 3,045 |
| Return on Equity (ROE) | 9.6422% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.9901% | 2,439 |
| Net charge-offs to loans | 0.2004% | 3,944 |
| Credit loss provision to net charge-offs | 166.8831% | 1,813 |
| Earnings coverage of net charge-offs (x) | 8.8420% | 1,997 |
| Efficiency ratio | 71.2101% | 3,899 |
| Assets per employee ($millions) | 3.7175% | 4,391 |
| Cash dividends to net income (ytd only)* | 37.8762% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,308 |
| Loan loss allowance to noncurrent loans | 223.7403% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 4,638 |
| Noncurrent loans to loans | 0.6507% | 5,620 |
| Net loans and leases to total assets | 74.8208% | 1,260 |
| Net loans and leases to deposits | 86.2818% | 1,751 |
| Net loans and leases to core deposits | 96.8793% | 1,601 |
| Total domestic deposits to total assets | 86.7167% | 2,908 |
| Equity capital to assets | 8.2483% | 6,472 |
| Core capital (leverage) ratio | 8.5380% | 5,495 |
| Tier 1 risk-based capital ratio | 11.6367% | 6,070 |
| Total risk-based capital ratio | 12.8903% | 6,056 |
| Memoranda: | ||
| Average total assets | $596,267,330 | 1,112 |
| Average earning assets | $545,920,670 | 1,106 |
| Average equity | $48,246,330 | 1,399 |
| Average total loans | $460,983,670 | 938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 3,017 |
| Cost of funding earning assets | 0.9184% | 4,787 |
| Net interest margin | 4.1007% | 2,266 |
| Noninterest income to average assets | 1.0559% | 1,181 |
| Noninterest expense to average assets | 3.4217% | 2,220 |
| Loan and lease loss provision to assets | 0.3112% | 2,678 |
| Net operating income to assets | 0.8119% | 2,967 |
| Return on assets (ROA) | 0.7171% | 3,502 |
| Pretax return on assets | 0.9510% | 3,314 |
| Return on Equity (ROE) | 8.9502% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.2594% | 3,030 |
| Net charge-offs to loans | 0.0836% | 4,115 |
| Credit loss provision to net charge-offs | 477.3196% | 745 |
| Earnings coverage of net charge-offs (x) | 21.2990% | 1,086 |
| Efficiency ratio | 71.1332% | 4,028 |
| Assets per employee ($millions) | 3.7523% | 4,417 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 4,460 |
| Loan loss allowance to noncurrent loans | 390.4623% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 5,129 |
| Noncurrent loans to loans | 0.3701% | 6,258 |
| Net loans and leases to total assets | 76.7630% | 912 |
| Net loans and leases to deposits | 88.3723% | 1,416 |
| Net loans and leases to core deposits | 99.4806% | 1,382 |
| Total domestic deposits to total assets | 86.8632% | 3,016 |
| Equity capital to assets | 8.1095% | 6,382 |
| Core capital (leverage) ratio | 8.3797% | 5,665 |
| Tier 1 risk-based capital ratio | 11.3892% | 6,185 |
| Total risk-based capital ratio | 12.6426% | 6,175 |
| Memoranda: | ||
| Average total assets | $595,144,500 | 1,125 |
| Average earning assets | $544,879,000 | 1,119 |
| Average equity | $47,686,000 | 1,406 |
| Average total loans | $464,261,500 | 942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 3,331 |
| Cost of funding earning assets | 1.1142% | 5,055 |
| Net interest margin | 4.1415% | 2,404 |
| Noninterest income to average assets | 1.0234% | 1,431 |
| Noninterest expense to average assets | 3.3747% | 2,513 |
| Loan and lease loss provision to assets | 0.3522% | 4,015 |
| Net operating income to assets | 0.8314% | 2,664 |
| Return on assets (ROA) | 0.7188% | 3,280 |
| Pretax return on assets | 0.9391% | 3,138 |
| Return on Equity (ROE) | 8.9651% | 2,302 |
| Retained earnings to average equity (ytd only) | 1.9475% | 4,504 |
| Net charge-offs to loans | 0.2676% | 4,693 |
| Credit loss provision to net charge-offs | 165.6026% | 2,071 |
| Earnings coverage of net charge-offs (x) | 6.7598% | 2,285 |
| Efficiency ratio | 70.1277% | 4,155 |
| Assets per employee ($millions) | 3.6652% | 4,534 |
| Cash dividends to net income (ytd only)* | 78.2763% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 4,741 |
| Loan loss allowance to noncurrent loans | 266.1181% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 5,087 |
| Noncurrent loans to loans | 0.5078% | 6,021 |
| Net loans and leases to total assets | 77.0712% | 1,082 |
| Net loans and leases to deposits | 88.4645% | 1,727 |
| Net loans and leases to core deposits | 99.8911% | 1,628 |
| Total domestic deposits to total assets | 87.1211% | 2,755 |
| Equity capital to assets | 7.9162% | 6,566 |
| Core capital (leverage) ratio | 8.1099% | 5,994 |
| Tier 1 risk-based capital ratio | 11.1260% | 6,233 |
| Total risk-based capital ratio | 12.3781% | 6,207 |
| Memoranda: | ||
| Average total assets | $589,200,600 | 1,138 |
| Average earning assets | $539,037,600 | 1,127 |
| Average equity | $47,239,000 | 1,417 |
| Average total loans | $468,313,600 | 964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 3,401 |
| Cost of funding earning assets | 1.1450% | 5,178 |
| Net interest margin | 4.1435% | 2,434 |
| Noninterest income to average assets | 1.0030% | 1,457 |
| Noninterest expense to average assets | 3.3790% | 2,358 |
| Loan and lease loss provision to assets | 0.3293% | 3,961 |
| Net operating income to assets | 0.7990% | 2,998 |
| Return on assets (ROA) | 0.7276% | 3,445 |
| Pretax return on assets | 0.9883% | 3,224 |
| Return on Equity (ROE) | 9.0457% | 2,476 |
| Retained earnings to average equity (ytd only) | 1.9057% | 5,004 |
| Net charge-offs to loans | 0.3428% | 3,936 |
| Credit loss provision to net charge-offs | 120.3320% | 3,427 |
| Earnings coverage of net charge-offs (x) | 5.1676% | 2,829 |
| Efficiency ratio | 70.4979% | 3,972 |
| Assets per employee ($millions) | 3.8272% | 4,201 |
| Cash dividends to net income (ytd only)* | 78.9327% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,341 |
| Loan loss allowance to noncurrent loans | 192.0885% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 4,827 |
| Noncurrent loans to loans | 0.6408% | 5,928 |
| Net loans and leases to total assets | 73.7028% | 1,862 |
| Net loans and leases to deposits | 84.2568% | 2,658 |
| Net loans and leases to core deposits | 92.3106% | 2,748 |
| Total domestic deposits to total assets | 87.4740% | 2,275 |
| Equity capital to assets | 7.6443% | 7,034 |
| Core capital (leverage) ratio | 8.4240% | 5,659 |
| Tier 1 risk-based capital ratio | 11.1263% | 6,256 |
| Total risk-based capital ratio | 12.3767% | 6,254 |
| Memoranda: | ||
| Average total assets | $587,145,750 | 1,150 |
| Average earning assets | $537,053,750 | 1,146 |
| Average equity | $47,225,500 | 1,425 |
| Average total loans | $468,705,500 | 968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3968% | 2,988 |
| Cost of funding earning assets | 1.2040% | 5,108 |
| Net interest margin | 4.1928% | 2,176 |
| Noninterest income to average assets | 1.0075% | 1,361 |
| Noninterest expense to average assets | 3.4349% | 2,181 |
| Loan and lease loss provision to assets | 0.2609% | 4,314 |
| Net operating income to assets | 0.8415% | 2,772 |
| Return on assets (ROA) | 0.7413% | 3,379 |
| Pretax return on assets | 1.0068% | 3,088 |
| Return on Equity (ROE) | 9.0543% | 2,441 |
| Retained earnings to average equity (ytd only) | 2.8892% | 4,302 |
| Net charge-offs to loans | 0.3563% | 3,572 |
| Credit loss provision to net charge-offs | 89.6057% | 4,433 |
| Earnings coverage of net charge-offs (x) | 4.8184% | 2,830 |
| Efficiency ratio | 71.0002% | 3,984 |
| Assets per employee ($millions) | 3.5959% | 4,709 |
| Cash dividends to net income (ytd only)* | 68.0901% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,671 |
| Loan loss allowance to noncurrent loans | 217.9249% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 4,907 |
| Noncurrent loans to loans | 0.5291% | 6,199 |
| Net loans and leases to total assets | 78.9475% | 968 |
| Net loans and leases to deposits | 93.8504% | 1,294 |
| Net loans and leases to core deposits | 104.0153% | 1,642 |
| Total domestic deposits to total assets | 84.1206% | 4,054 |
| Equity capital to assets | 8.1189% | 6,631 |
| Core capital (leverage) ratio | 8.3764% | 5,617 |
| Tier 1 risk-based capital ratio | 11.2028% | 6,035 |
| Total risk-based capital ratio | 12.4337% | 6,051 |
| Memoranda: | ||
| Average total assets | $574,915,000 | 1,183 |
| Average earning assets | $525,235,330 | 1,180 |
| Average equity | $47,071,330 | 1,426 |
| Average total loans | $469,768,670 | 977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 2,953 |
| Cost of funding earning assets | 1.1899% | 5,458 |
| Net interest margin | 4.2281% | 1,939 |
| Noninterest income to average assets | 0.9555% | 1,431 |
| Noninterest expense to average assets | 3.3346% | 2,414 |
| Loan and lease loss provision to assets | 0.2635% | 3,924 |
| Net operating income to assets | 0.9054% | 2,522 |
| Return on assets (ROA) | 0.7047% | 3,529 |
| Pretax return on assets | 0.9485% | 3,270 |
| Return on Equity (ROE) | 8.5702% | 2,641 |
| Retained earnings to average equity (ytd only) | 2.3839% | 4,710 |
| Net charge-offs to loans | 0.3315% | 3,081 |
| Credit loss provision to net charge-offs | 96.1538% | 3,518 |
| Earnings coverage of net charge-offs (x) | 5.4128% | 2,404 |
| Efficiency ratio | 69.2139% | 4,468 |
| Assets per employee ($millions) | 3.5207% | 4,986 |
| Cash dividends to net income (ytd only)* | 72.1834% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,734 |
| Loan loss allowance to noncurrent loans | 151.2721% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 4,574 |
| Noncurrent loans to loans | 0.7646% | 5,795 |
| Net loans and leases to total assets | 81.9552% | 601 |
| Net loans and leases to deposits | 99.8806% | 761 |
| Net loans and leases to core deposits | 114.3886% | 1,023 |
| Total domestic deposits to total assets | 82.0532% | 5,054 |
| Equity capital to assets | 8.2582% | 6,356 |
| Core capital (leverage) ratio | 8.6205% | 5,173 |
| Tier 1 risk-based capital ratio | 10.9095% | 6,245 |
| Total risk-based capital ratio | 12.1343% | 6,241 |
| Memoranda: | ||
| Average total assets | $569,309,500 | 1,225 |
| Average earning assets | $520,041,500 | 1,218 |
| Average equity | $46,813,500 | 1,440 |
| Average total loans | $470,588,000 | 1,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6903% | 3,150 |
| Cost of funding earning assets | 1.3607% | 6,092 |
| Net interest margin | 4.3296% | 1,634 |
| Noninterest income to average assets | 1.0045% | 1,555 |
| Noninterest expense to average assets | 3.4625% | 2,482 |
| Loan and lease loss provision to assets | 0.3181% | 4,909 |
| Net operating income to assets | 0.8530% | 2,340 |
| Return on assets (ROA) | 0.7648% | 2,750 |
| Pretax return on assets | 1.0607% | 2,378 |
| Return on Equity (ROE) | 9.0334% | 2,017 |
| Retained earnings to average equity (ytd only) | 2.7116% | 3,259 |
| Net charge-offs to loans | 0.2210% | 5,239 |
| Credit loss provision to net charge-offs | 170.1493% | 2,510 |
| Earnings coverage of net charge-offs (x) | 8.0308% | 2,018 |
| Efficiency ratio | 69.7534% | 4,680 |
| Assets per employee ($millions) | 3.6662% | 4,604 |
| Cash dividends to net income (ytd only)* | 69.9830% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,530 |
| Loan loss allowance to noncurrent loans | 141.2204% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 4,851 |
| Noncurrent loans to loans | 0.8294% | 5,633 |
| Net loans and leases to total assets | 81.4384% | 773 |
| Net loans and leases to deposits | 99.2771% | 966 |
| Net loans and leases to core deposits | 133.8730% | 1,059 |
| Total domestic deposits to total assets | 82.0315% | 4,933 |
| Equity capital to assets | 8.1874% | 6,358 |
| Core capital (leverage) ratio | 8.6669% | 4,980 |
| Tier 1 risk-based capital ratio | 10.9499% | 5,960 |
| Total risk-based capital ratio | 12.1896% | 5,949 |
| Memoranda: | ||
| Average total assets | $537,554,200 | 1,284 |
| Average earning assets | $491,589,400 | 1,285 |
| Average equity | $45,508,800 | 1,477 |
| Average total loans | $454,759,400 | 1,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 3,324 |
| Cost of funding earning assets | 1.4079% | 6,199 |
| Net interest margin | 4.2954% | 1,741 |
| Noninterest income to average assets | 1.0100% | 1,566 |
| Noninterest expense to average assets | 3.4805% | 2,330 |
| Loan and lease loss provision to assets | 0.2315% | 5,122 |
| Net operating income to assets | 0.8815% | 2,494 |
| Return on assets (ROA) | 0.8273% | 2,764 |
| Pretax return on assets | 1.1519% | 2,407 |
| Return on Equity (ROE) | 9.6872% | 2,037 |
| Retained earnings to average equity (ytd only) | 3.3292% | 3,442 |
| Net charge-offs to loans | 0.1415% | 5,285 |
| Credit loss provision to net charge-offs | 192.0668% | 2,358 |
| Earnings coverage of net charge-offs (x) | 12.1023% | 1,793 |
| Efficiency ratio | 70.4672% | 4,496 |
| Assets per employee ($millions) | 3.5831% | 4,728 |
| Cash dividends to net income (ytd only)* | 65.6326% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,517 |
| Loan loss allowance to noncurrent loans | 109.1803% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 4,581 |
| Noncurrent loans to loans | 1.0382% | 5,236 |
| Net loans and leases to total assets | 83.0695% | 659 |
| Net loans and leases to deposits | 104.5016% | 737 |
| Net loans and leases to core deposits | 136.6795% | 1,068 |
| Total domestic deposits to total assets | 79.4911% | 5,629 |
| Equity capital to assets | 8.4784% | 6,276 |
| Core capital (leverage) ratio | 8.9770% | 4,683 |
| Tier 1 risk-based capital ratio | 10.7767% | 6,188 |
| Total risk-based capital ratio | 11.9409% | 6,236 |
| Memoranda: | ||
| Average total assets | $529,876,250 | 1,310 |
| Average earning assets | $484,695,250 | 1,320 |
| Average equity | $45,254,500 | 1,507 |
| Average total loans | $451,381,250 | 1,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7035% | 3,520 |
| Cost of funding earning assets | 1.4691% | 6,262 |
| Net interest margin | 4.2345% | 1,865 |
| Noninterest income to average assets | 0.9634% | 1,717 |
| Noninterest expense to average assets | 3.4072% | 2,604 |
| Loan and lease loss provision to assets | 0.2138% | 4,908 |
| Net operating income to assets | 0.8426% | 2,688 |
| Return on assets (ROA) | 0.8286% | 2,836 |
| Pretax return on assets | 1.1963% | 2,311 |
| Return on Equity (ROE) | 9.6775% | 2,142 |
| Retained earnings to average equity (ytd only) | 3.2600% | 3,504 |
| Net charge-offs to loans | 0.1111% | 5,048 |
| Credit loss provision to net charge-offs | 224.8996% | 2,047 |
| Earnings coverage of net charge-offs (x) | 15.0442% | 1,617 |
| Efficiency ratio | 70.4318% | 4,692 |
| Assets per employee ($millions) | 3.4011% | 5,062 |
| Cash dividends to net income (ytd only)* | 66.3134% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,505 |
| Loan loss allowance to noncurrent loans | 265.4327% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 5,547 |
| Noncurrent loans to loans | 0.4195% | 6,462 |
| Net loans and leases to total assets | 85.2172% | 472 |
| Net loans and leases to deposits | 109.5047% | 574 |
| Net loans and leases to core deposits | 137.5327% | 1,128 |
| Total domestic deposits to total assets | 77.8206% | 6,124 |
| Equity capital to assets | 8.5169% | 6,022 |
| Core capital (leverage) ratio | 9.1022% | 4,461 |
| Tier 1 risk-based capital ratio | 10.8469% | 6,036 |
| Total risk-based capital ratio | 11.9988% | 6,075 |
| Memoranda: | ||
| Average total assets | $523,766,000 | 1,347 |
| Average earning assets | $479,211,330 | 1,351 |
| Average equity | $44,846,330 | 1,524 |
| Average total loans | $448,303,670 | 1,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7065% | 3,772 |
| Cost of funding earning assets | 1.5435% | 6,264 |
| Net interest margin | 4.1630% | 2,041 |
| Noninterest income to average assets | 0.8794% | 1,933 |
| Noninterest expense to average assets | 3.3354% | 2,550 |
| Loan and lease loss provision to assets | 0.1537% | 4,966 |
| Net operating income to assets | 0.8579% | 2,883 |
| Return on assets (ROA) | 0.8579% | 3,034 |
| Pretax return on assets | 1.1969% | 2,639 |
| Return on Equity (ROE) | 9.9921% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.5545% | 3,918 |
| Net charge-offs to loans | 0.0964% | 4,212 |
| Credit loss provision to net charge-offs | 186.9159% | 2,342 |
| Earnings coverage of net charge-offs (x) | 16.4206% | 1,550 |
| Efficiency ratio | 71.1778% | 4,330 |
| Assets per employee ($millions) | 3.5816% | 4,617 |
| Cash dividends to net income (ytd only)* | 64.4265% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,559 |
| Loan loss allowance to noncurrent loans | 308.6130% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 5,442 |
| Noncurrent loans to loans | 0.3523% | 6,550 |
| Net loans and leases to total assets | 84.2079% | 662 |
| Net loans and leases to deposits | 106.4156% | 832 |
| Net loans and leases to core deposits | 132.2081% | 1,521 |
| Total domestic deposits to total assets | 79.1311% | 5,673 |
| Equity capital to assets | 8.4244% | 6,195 |
| Core capital (leverage) ratio | 9.1717% | 4,448 |
| Tier 1 risk-based capital ratio | 11.0539% | 5,857 |
| Total risk-based capital ratio | 12.1855% | 5,867 |
| Memoranda: | ||
| Average total assets | $520,364,500 | 1,362 |
| Average earning assets | $475,811,500 | 1,364 |
| Average equity | $44,675,500 | 1,536 |
| Average total loans | $443,842,000 | 1,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2937% | 3,992 |
| Cost of funding earning assets | 2.0122% | 6,372 |
| Net interest margin | 4.2815% | 2,042 |
| Noninterest income to average assets | 1.2422% | 962 |
| Noninterest expense to average assets | 3.2870% | 3,008 |
| Loan and lease loss provision to assets | 0.6467% | 2,250 |
| Net operating income to assets | 0.8815% | 3,085 |
| Return on assets (ROA) | 0.8332% | 3,138 |
| Pretax return on assets | 1.1575% | 2,817 |
| Return on Equity (ROE) | 9.2411% | 2,553 |
| Retained earnings to average equity (ytd only) | 2.9019% | 3,368 |
| Net charge-offs to loans | 0.6192% | 1,985 |
| Credit loss provision to net charge-offs | 122.5978% | 4,383 |
| Earnings coverage of net charge-offs (x) | 3.5477% | 4,318 |
| Efficiency ratio | 63.7229% | 5,622 |
| Assets per employee ($millions) | 3.4745% | 4,736 |
| Cash dividends to net income (ytd only)* | 68.5982% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,362 |
| Loan loss allowance to noncurrent loans | 364.8855% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 4,738 |
| Noncurrent loans to loans | 0.2981% | 6,486 |
| Net loans and leases to total assets | 84.5297% | 802 |
| Net loans and leases to deposits | 108.4902% | 942 |
| Net loans and leases to core deposits | 125.0713% | 2,246 |
| Total domestic deposits to total assets | 77.9146% | 5,743 |
| Equity capital to assets | 8.7503% | 5,731 |
| Core capital (leverage) ratio | 9.2790% | 4,325 |
| Tier 1 risk-based capital ratio | 11.2613% | 5,476 |
| Total risk-based capital ratio | 12.4015% | 5,481 |
| Memoranda: | ||
| Average total assets | $499,185,600 | 1,350 |
| Average earning assets | $456,566,000 | 1,365 |
| Average equity | $45,005,400 | 1,502 |
| Average total loans | $425,231,600 | 1,128 |