Home > First American Bank and Trust Company > Performance and Condition Ratios
First American Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,578 |
| Cost of funding earning assets | 0.7911% | 3,758 |
| Net interest margin | 3.4381% | 2,329 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.0948% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4545% | 1,113 |
| Return on assets (ROA) | 1.4085% | 1,176 |
| Pretax return on assets | 1.7746% | 917 |
| Return on Equity (ROE) | 14.8900% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.2273% | 745 |
| Net charge-offs to loans | -0.0232% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.3339% | 3,726 |
| Assets per employee ($millions) | 7.3079% | 1,860 |
| Cash dividends to net income (ytd only)* | 24.6217% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,019 |
| Loan loss allowance to noncurrent loans | 6,955.8824% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,687 |
| Noncurrent loans to loans | 0.0180% | 3,619 |
| Net loans and leases to total assets | 67.3100% | 2,116 |
| Net loans and leases to deposits | 80.1091% | 2,098 |
| Net loans and leases to core deposits | 81.1140% | 2,644 |
| Total domestic deposits to total assets | 84.0200% | 2,611 |
| Equity capital to assets | 10.6433% | 1,656 |
| Core capital (leverage) ratio | 10.9396% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0303% | 913 |
| Memoranda: | ||
| Average total assets | $877,469,400 | 1,106 |
| Average earning assets | $839,919,800 | 1,073 |
| Average equity | $82,976,000 | 1,103 |
| Average total loans | $534,788,600 | 1,172 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,687 |
| Cost of funding earning assets | 0.7528% | 3,650 |
| Net interest margin | 3.3324% | 2,616 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.0500% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4184% | 1,279 |
| Return on assets (ROA) | 1.4184% | 1,261 |
| Pretax return on assets | 1.7867% | 1,030 |
| Return on Equity (ROE) | 15.4500% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.8960% | 833 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.4319% | 3,634 |
| Assets per employee ($millions) | 7.9180% | 1,385 |
| Cash dividends to net income (ytd only)* | 16.5556% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,928 |
| Loan loss allowance to noncurrent loans | 7,745.5556% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,752 |
| Noncurrent loans to loans | 0.0166% | 3,667 |
| Net loans and leases to total assets | 62.5400% | 2,596 |
| Net loans and leases to deposits | 71.4502% | 2,744 |
| Net loans and leases to core deposits | 72.5013% | 3,081 |
| Total domestic deposits to total assets | 87.5300% | 1,731 |
| Equity capital to assets | 9.8729% | 1,899 |
| Core capital (leverage) ratio | 10.6159% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2259% | 918 |
| Memoranda: | ||
| Average total assets | $888,562,750 | 1,097 |
| Average earning assets | $851,256,250 | 1,052 |
| Average equity | $81,552,750 | 1,113 |
| Average total loans | $526,528,500 | 1,180 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 3,809 |
| Cost of funding earning assets | 0.7251% | 3,415 |
| Net interest margin | 3.2131% | 2,956 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.0211% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3645% | 1,415 |
| Return on assets (ROA) | 1.3645% | 1,397 |
| Pretax return on assets | 1.6957% | 1,225 |
| Return on Equity (ROE) | 15.2300% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.7204% | 1,041 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.3780% | 3,579 |
| Assets per employee ($millions) | 8.7287% | 992 |
| Cash dividends to net income (ytd only)* | 23.0531% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,886 |
| Loan loss allowance to noncurrent loans | 7,261.4583% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,742 |
| Noncurrent loans to loans | 0.0180% | 3,632 |
| Net loans and leases to total assets | 57.2800% | 3,024 |
| Net loans and leases to deposits | 69.1304% | 2,846 |
| Net loans and leases to core deposits | 70.1526% | 3,122 |
| Total domestic deposits to total assets | 82.8600% | 3,076 |
| Equity capital to assets | 8.9698% | 2,533 |
| Core capital (leverage) ratio | 10.0081% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7906% | 992 |
| Memoranda: | ||
| Average total assets | $899,701,667 | 1,084 |
| Average earning assets | $862,464,000 | 1,035 |
| Average equity | $80,594,333 | 1,113 |
| Average total loans | $521,444,000 | 1,172 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 3,751 |
| Cost of funding earning assets | 0.6979% | 3,063 |
| Net interest margin | 3.1661% | 3,197 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 1.9747% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3930% | 1,427 |
| Return on assets (ROA) | 1.3930% | 1,401 |
| Pretax return on assets | 1.6995% | 1,274 |
| Return on Equity (ROE) | 15.5600% | 1,451 |
| Retained earnings to average equity (ytd only) | 15.0602% | 797 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7437% | 3,628 |
| Assets per employee ($millions) | 8.7657% | 1,027 |
| Cash dividends to net income (ytd only)* | 3.2216% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,894 |
| Loan loss allowance to noncurrent loans | 14,226.5306% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,844 |
| Noncurrent loans to loans | 0.0093% | 3,762 |
| Net loans and leases to total assets | 56.7300% | 2,983 |
| Net loans and leases to deposits | 65.6229% | 2,964 |
| Net loans and leases to core deposits | 66.3235% | 3,202 |
| Total domestic deposits to total assets | 86.4400% | 2,459 |
| Equity capital to assets | 8.9587% | 2,554 |
| Core capital (leverage) ratio | 9.7583% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9803% | 995 |
| Memoranda: | ||
| Average total assets | $891,295,000 | 1,108 |
| Average earning assets | $854,039,000 | 1,065 |
| Average equity | $79,786,500 | 1,133 |
| Average total loans | $516,195,500 | 1,198 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 3,991 |
| Cost of funding earning assets | 0.2417% | 3,399 |
| Net interest margin | 2.8565% | 3,779 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 1.9405% | 3,745 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.3089% | 1,396 |
| Return on assets (ROA) | 1.3082% | 1,366 |
| Pretax return on assets | 1.6816% | 966 |
| Return on Equity (ROE) | 15.7500% | 1,095 |
| Retained earnings to average equity (ytd only) | 10.6561% | 967 |
| Net charge-offs to loans | 0.0002% | 2,615 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,724 |
| Earnings coverage of net charge-offs (x) | 14,433.0000% | 4 |
| Efficiency ratio | 55.2215% | 3,658 |
| Assets per employee ($millions) | 8.4559% | 1,110 |
| Cash dividends to net income (ytd only)* | 32.3360% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,600 |
| Loan loss allowance to noncurrent loans | 7,041.4141% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,776 |
| Noncurrent loans to loans | 0.0195% | 3,676 |
| Net loans and leases to total assets | 57.5600% | 2,866 |
| Net loans and leases to deposits | 64.1720% | 3,029 |
| Net loans and leases to core deposits | 64.7856% | 3,221 |
| Total domestic deposits to total assets | 89.6900% | 1,490 |
| Equity capital to assets | 8.9445% | 2,394 |
| Core capital (leverage) ratio | 9.1759% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8997% | 993 |
| Memoranda: | ||
| Average total assets | $917,244,800 | 1,056 |
| Average earning assets | $880,514,200 | 1,014 |
| Average equity | $76,191,400 | 1,176 |
| Average total loans | $475,765,200 | 1,218 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 4,134 |
| Cost of funding earning assets | 0.1593% | 3,735 |
| Net interest margin | 2.6852% | 3,959 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 1.8963% | 3,761 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 1.3051% | 1,335 |
| Return on assets (ROA) | 1.3051% | 1,300 |
| Pretax return on assets | 1.6439% | 1,015 |
| Return on Equity (ROE) | 16.0000% | 979 |
| Retained earnings to average equity (ytd only) | 14.1207% | 450 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.8279% | 3,639 |
| Assets per employee ($millions) | 9.6118% | 728 |
| Cash dividends to net income (ytd only)* | 11.7466% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 1,743 |
| Loan loss allowance to noncurrent loans | 8,938.4615% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 3,919 |
| Noncurrent loans to loans | 0.0153% | 3,819 |
| Net loans and leases to total assets | 52.4600% | 3,240 |
| Net loans and leases to deposits | 60.4003% | 3,163 |
| Net loans and leases to core deposits | 60.8885% | 3,317 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 8.0760% | 2,855 |
| Core capital (leverage) ratio | 8.7643% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8869% | 1,012 |
| Memoranda: | ||
| Average total assets | $928,817,750 | 1,055 |
| Average earning assets | $892,286,500 | 1,014 |
| Average equity | $75,763,750 | 1,195 |
| Average total loans | $467,636,250 | 1,234 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6328% | 4,240 |
| Cost of funding earning assets | 0.1129% | 4,046 |
| Net interest margin | 2.5198% | 4,058 |
| Noninterest income to average assets | 0.7775% | 1,108 |
| Noninterest expense to average assets | 1.8631% | 3,801 |
| Loan and lease loss provision to assets | -0.2179% | 4,686 |
| Net operating income to assets | 1.2076% | 1,401 |
| Return on assets (ROA) | 1.2076% | 1,387 |
| Pretax return on assets | 1.5531% | 1,039 |
| Return on Equity (ROE) | 14.7531% | 947 |
| Retained earnings to average equity (ytd only) | 11.9106% | 619 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2522% | 3,526 |
| Assets per employee ($millions) | 9.7537% | 709 |
| Cash dividends to net income (ytd only)* | 19.2675% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,513 |
| Loan loss allowance to noncurrent loans | 6,768.9320% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,925 |
| Noncurrent loans to loans | 0.0216% | 3,801 |
| Net loans and leases to total assets | 48.6764% | 3,494 |
| Net loans and leases to deposits | 57.4007% | 3,278 |
| Net loans and leases to core deposits | 57.8731% | 3,431 |
| Total domestic deposits to total assets | 84.8012% | 3,525 |
| Equity capital to assets | 7.8367% | 3,242 |
| Core capital (leverage) ratio | 8.7502% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3511% | 944 |
| Memoranda: | ||
| Average total assets | $918,031,667 | 1,063 |
| Average earning assets | $881,965,333 | 1,033 |
| Average equity | $75,143,333 | 1,226 |
| Average total loans | $453,123,000 | 1,258 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4771% | 4,295 |
| Cost of funding earning assets | 0.0988% | 4,145 |
| Net interest margin | 2.3783% | 4,112 |
| Noninterest income to average assets | 0.8016% | 1,042 |
| Noninterest expense to average assets | 1.9552% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8834% | 2,345 |
| Return on assets (ROA) | 0.8834% | 2,344 |
| Pretax return on assets | 1.1295% | 2,051 |
| Return on Equity (ROE) | 10.5504% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.5504% | 889 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3846% | 3,094 |
| Assets per employee ($millions) | 9.5971% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 930 |
| Loan loss allowance to noncurrent loans | 733.3947% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,991 |
| Noncurrent loans to loans | 0.2411% | 2,631 |
| Net loans and leases to total assets | 48.0664% | 3,381 |
| Net loans and leases to deposits | 55.0669% | 3,341 |
| Net loans and leases to core deposits | 55.7936% | 3,463 |
| Total domestic deposits to total assets | 87.2872% | 2,822 |
| Equity capital to assets | 8.1187% | 3,477 |
| Core capital (leverage) ratio | 8.7776% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5947% | 952 |
| Memoranda: | ||
| Average total assets | $894,240,000 | 1,087 |
| Average earning assets | $858,434,500 | 1,059 |
| Average equity | $74,879,000 | 1,260 |
| Average total loans | $441,185,000 | 1,267 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6999% | 4,312 |
| Cost of funding earning assets | 0.1169% | 4,259 |
| Net interest margin | 2.5831% | 4,073 |
| Noninterest income to average assets | 1.0403% | 928 |
| Noninterest expense to average assets | 2.2545% | 2,932 |
| Loan and lease loss provision to assets | 0.0294% | 2,469 |
| Net operating income to assets | 0.9615% | 2,832 |
| Return on assets (ROA) | 0.9601% | 2,903 |
| Pretax return on assets | 1.2258% | 2,583 |
| Return on Equity (ROE) | 10.9992% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.6201% | 1,011 |
| Net charge-offs to loans | -0.0275% | 4,086 |
| Credit loss provision to net charge-offs | -206.8966% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2023% | 2,530 |
| Assets per employee ($millions) | 8.9398% | 936 |
| Cash dividends to net income (ytd only)* | 12.5383% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 801 |
| Loan loss allowance to noncurrent loans | 730.7058% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 3,058 |
| Noncurrent loans to loans | 0.2528% | 2,712 |
| Net loans and leases to total assets | 48.8469% | 3,421 |
| Net loans and leases to deposits | 55.3304% | 3,481 |
| Net loans and leases to core deposits | 56.0229% | 3,615 |
| Total domestic deposits to total assets | 88.2823% | 1,884 |
| Equity capital to assets | 8.6442% | 3,943 |
| Core capital (leverage) ratio | 8.5348% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8127% | 920 |
| Memoranda: | ||
| Average total assets | $816,583,200 | 1,140 |
| Average earning assets | $781,238,000 | 1,111 |
| Average equity | $71,278,000 | 1,330 |
| Average total loans | $422,396,000 | 1,319 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8187% | 4,279 |
| Cost of funding earning assets | 0.1211% | 4,345 |
| Net interest margin | 2.6976% | 3,981 |
| Noninterest income to average assets | 1.0956% | 926 |
| Noninterest expense to average assets | 2.2988% | 2,758 |
| Loan and lease loss provision to assets | 0.0299% | 2,398 |
| Net operating income to assets | 1.0448% | 2,748 |
| Return on assets (ROA) | 1.0428% | 2,822 |
| Pretax return on assets | 1.3434% | 2,504 |
| Return on Equity (ROE) | 11.9159% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.0531% | 1,296 |
| Net charge-offs to loans | -0.0362% | 4,214 |
| Credit loss provision to net charge-offs | -157.8947% | 3,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5609% | 2,604 |
| Assets per employee ($millions) | 8.8288% | 950 |
| Cash dividends to net income (ytd only)* | 15.6330% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 691 |
| Loan loss allowance to noncurrent loans | 721.0574% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 3,269 |
| Noncurrent loans to loans | 0.2710% | 2,834 |
| Net loans and leases to total assets | 45.8716% | 3,805 |
| Net loans and leases to deposits | 54.4595% | 3,697 |
| Net loans and leases to core deposits | 55.2302% | 3,834 |
| Total domestic deposits to total assets | 84.2306% | 3,393 |
| Equity capital to assets | 8.4386% | 4,251 |
| Core capital (leverage) ratio | 8.5105% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4555% | 891 |
| Memoranda: | ||
| Average total assets | $803,939,000 | 1,164 |
| Average earning assets | $768,557,250 | 1,134 |
| Average equity | $70,357,750 | 1,364 |
| Average total loans | $420,106,750 | 1,347 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7409% | 4,414 |
| Cost of funding earning assets | 0.1251% | 4,390 |
| Net interest margin | 2.6158% | 4,137 |
| Noninterest income to average assets | 1.1487% | 861 |
| Noninterest expense to average assets | 2.3198% | 2,703 |
| Loan and lease loss provision to assets | 0.0306% | 2,367 |
| Net operating income to assets | 1.0088% | 2,861 |
| Return on assets (ROA) | 1.0088% | 2,944 |
| Pretax return on assets | 1.2952% | 2,642 |
| Return on Equity (ROE) | 11.3771% | 2,278 |
| Retained earnings to average equity (ytd only) | 8.5472% | 1,877 |
| Net charge-offs to loans | 0.0075% | 1,859 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 324.6250% | 354 |
| Efficiency ratio | 63.6325% | 2,477 |
| Assets per employee ($millions) | 8.2857% | 1,085 |
| Cash dividends to net income (ytd only)* | 24.8735% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 883 |
| Loan loss allowance to noncurrent loans | 692.3767% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 3,371 |
| Noncurrent loans to loans | 0.2600% | 3,011 |
| Net loans and leases to total assets | 49.3470% | 3,623 |
| Net loans and leases to deposits | 60.1550% | 3,381 |
| Net loans and leases to core deposits | 60.9303% | 3,548 |
| Total domestic deposits to total assets | 82.0331% | 3,917 |
| Equity capital to assets | 8.2832% | 4,365 |
| Core capital (leverage) ratio | 8.7732% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0863% | 943 |
| Memoranda: | ||
| Average total assets | $783,511,333 | 1,183 |
| Average earning assets | $747,924,333 | 1,154 |
| Average equity | $69,472,667 | 1,364 |
| Average total loans | $425,208,667 | 1,341 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 4,234 |
| Cost of funding earning assets | 0.1334% | 4,431 |
| Net interest margin | 2.7803% | 3,809 |
| Noninterest income to average assets | 1.2777% | 771 |
| Noninterest expense to average assets | 2.4009% | 2,487 |
| Loan and lease loss provision to assets | 0.0321% | 2,349 |
| Net operating income to assets | 1.1494% | 2,336 |
| Return on assets (ROA) | 1.1494% | 2,404 |
| Pretax return on assets | 1.4850% | 2,042 |
| Return on Equity (ROE) | 12.4943% | 1,836 |
| Retained earnings to average equity (ytd only) | 12.4943% | 1,029 |
| Net charge-offs to loans | -0.0019% | 3,126 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2793% | 2,867 |
| Assets per employee ($millions) | 7.7670% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 902 |
| Loan loss allowance to noncurrent loans | 684.9242% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,412 |
| Noncurrent loans to loans | 0.2603% | 3,175 |
| Net loans and leases to total assets | 52.8701% | 3,362 |
| Net loans and leases to deposits | 62.9616% | 3,224 |
| Net loans and leases to core deposits | 63.8127% | 3,432 |
| Total domestic deposits to total assets | 83.9719% | 3,445 |
| Equity capital to assets | 8.7035% | 3,957 |
| Core capital (leverage) ratio | 9.5025% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2833% | 879 |
| Memoranda: | ||
| Average total assets | $748,552,000 | 1,215 |
| Average earning assets | $710,862,500 | 1,194 |
| Average equity | $68,863,500 | 1,367 |
| Average total loans | $423,382,000 | 1,350 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4686% | 4,080 |
| Cost of funding earning assets | 0.2155% | 4,526 |
| Net interest margin | 3.2531% | 3,199 |
| Noninterest income to average assets | 1.2221% | 747 |
| Noninterest expense to average assets | 2.7162% | 2,190 |
| Loan and lease loss provision to assets | 0.2808% | 1,359 |
| Net operating income to assets | 1.0349% | 2,158 |
| Return on assets (ROA) | 1.0997% | 2,045 |
| Pretax return on assets | 1.3882% | 1,691 |
| Return on Equity (ROE) | 10.7114% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.2483% | 1,297 |
| Net charge-offs to loans | -0.0286% | 4,520 |
| Credit loss provision to net charge-offs | -1,551.7241% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1209% | 2,955 |
| Assets per employee ($millions) | 6.7680% | 1,729 |
| Cash dividends to net income (ytd only)* | 32.3308% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 812 |
| Loan loss allowance to noncurrent loans | 689.2308% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 3,012 |
| Noncurrent loans to loans | 0.2655% | 3,247 |
| Net loans and leases to total assets | 58.6009% | 3,025 |
| Net loans and leases to deposits | 67.7559% | 3,106 |
| Net loans and leases to core deposits | 68.8477% | 3,341 |
| Total domestic deposits to total assets | 86.4883% | 2,157 |
| Equity capital to assets | 9.7688% | 3,348 |
| Core capital (leverage) ratio | 9.5675% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0710% | 893 |
| Memoranda: | ||
| Average total assets | $640,964,600 | 1,269 |
| Average earning assets | $607,083,200 | 1,249 |
| Average equity | $65,808,600 | 1,362 |
| Average total loans | $405,845,400 | 1,338 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 4,232 |
| Cost of funding earning assets | 0.2368% | 4,544 |
| Net interest margin | 3.2461% | 3,344 |
| Noninterest income to average assets | 1.1705% | 773 |
| Noninterest expense to average assets | 2.6412% | 2,414 |
| Loan and lease loss provision to assets | 0.3669% | 1,013 |
| Net operating income to assets | 0.9936% | 2,365 |
| Return on assets (ROA) | 1.0831% | 2,169 |
| Pretax return on assets | 1.3592% | 1,860 |
| Return on Equity (ROE) | 10.4091% | 1,871 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,405 |
| Net charge-offs to loans | -0.0367% | 4,596 |
| Credit loss provision to net charge-offs | -1,554.0541% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0671% | 3,067 |
| Assets per employee ($millions) | 6.9858% | 1,507 |
| Cash dividends to net income (ytd only)* | 25.7805% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 895 |
| Loan loss allowance to noncurrent loans | 672.2569% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,101 |
| Noncurrent loans to loans | 0.2530% | 3,396 |
| Net loans and leases to total assets | 61.1246% | 3,101 |
| Net loans and leases to deposits | 73.1909% | 3,023 |
| Net loans and leases to core deposits | 74.3202% | 3,299 |
| Total domestic deposits to total assets | 83.5140% | 2,987 |
| Equity capital to assets | 9.4177% | 3,754 |
| Core capital (leverage) ratio | 9.9704% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7714% | 943 |
| Memoranda: | ||
| Average total assets | $626,929,000 | 1,275 |
| Average earning assets | $595,781,250 | 1,248 |
| Average equity | $65,236,000 | 1,356 |
| Average total loans | $403,275,000 | 1,335 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,190 |
| Cost of funding earning assets | 0.2825% | 4,527 |
| Net interest margin | 3.3603% | 3,223 |
| Noninterest income to average assets | 1.2032% | 691 |
| Noninterest expense to average assets | 2.7013% | 2,380 |
| Loan and lease loss provision to assets | 0.5515% | 606 |
| Net operating income to assets | 0.9235% | 2,614 |
| Return on assets (ROA) | 1.0659% | 2,212 |
| Pretax return on assets | 1.3109% | 1,992 |
| Return on Equity (ROE) | 9.8711% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.1784% | 1,999 |
| Net charge-offs to loans | -0.0508% | 4,686 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5631% | 3,191 |
| Assets per employee ($millions) | 6.5168% | 1,767 |
| Cash dividends to net income (ytd only)* | 37.4098% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 736 |
| Loan loss allowance to noncurrent loans | 660.9583% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 3,117 |
| Noncurrent loans to loans | 0.2646% | 3,433 |
| Net loans and leases to total assets | 62.9672% | 3,011 |
| Net loans and leases to deposits | 75.7871% | 2,900 |
| Net loans and leases to core deposits | 76.9773% | 3,195 |
| Total domestic deposits to total assets | 83.0843% | 3,065 |
| Equity capital to assets | 9.8182% | 3,354 |
| Core capital (leverage) ratio | 10.2411% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8115% | 936 |
| Memoranda: | ||
| Average total assets | $598,387,333 | 1,298 |
| Average earning assets | $567,099,333 | 1,275 |
| Average equity | $64,612,667 | 1,353 |
| Average total loans | $390,006,000 | 1,357 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 4,000 |
| Cost of funding earning assets | 0.3958% | 4,379 |
| Net interest margin | 3.5227% | 2,899 |
| Noninterest income to average assets | 1.2455% | 569 |
| Noninterest expense to average assets | 2.7225% | 2,649 |
| Loan and lease loss provision to assets | 0.0531% | 3,111 |
| Net operating income to assets | 1.4443% | 889 |
| Return on assets (ROA) | 1.6312% | 645 |
| Pretax return on assets | 2.0261% | 427 |
| Return on Equity (ROE) | 14.3418% | 640 |
| Retained earnings to average equity (ytd only) | 14.3418% | 230 |
| Net charge-offs to loans | -0.0140% | 4,194 |
| Credit loss provision to net charge-offs | -576.9231% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5603% | 3,803 |
| Assets per employee ($millions) | 5.6759% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,286 |
| Loan loss allowance to noncurrent loans | 510.8561% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,039 |
| Noncurrent loans to loans | 0.2970% | 3,434 |
| Net loans and leases to total assets | 64.8961% | 2,955 |
| Net loans and leases to deposits | 78.7695% | 2,803 |
| Net loans and leases to core deposits | 80.1498% | 3,183 |
| Total domestic deposits to total assets | 82.3873% | 3,302 |
| Equity capital to assets | 11.3265% | 2,569 |
| Core capital (leverage) ratio | 11.4441% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5628% | 1,059 |
| Memoranda: | ||
| Average total assets | $565,224,500 | 1,323 |
| Average earning assets | $533,571,000 | 1,304 |
| Average equity | $64,287,500 | 1,356 |
| Average total loans | $372,009,000 | 1,377 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 3,565 |
| Cost of funding earning assets | 0.5563% | 3,843 |
| Net interest margin | 3.7322% | 2,727 |
| Noninterest income to average assets | 1.1486% | 711 |
| Noninterest expense to average assets | 2.8867% | 2,333 |
| Loan and lease loss provision to assets | 0.0878% | 2,263 |
| Net operating income to assets | 1.3284% | 1,585 |
| Return on assets (ROA) | 1.3302% | 1,663 |
| Pretax return on assets | 1.7091% | 1,166 |
| Return on Equity (ROE) | 12.1308% | 1,460 |
| Retained earnings to average equity (ytd only) | 8.6302% | 803 |
| Net charge-offs to loans | -0.1003% | 4,955 |
| Credit loss provision to net charge-offs | -132.4176% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6632% | 3,428 |
| Assets per employee ($millions) | 5.6276% | 1,944 |
| Cash dividends to net income (ytd only)* | 28.8569% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,045 |
| Loan loss allowance to noncurrent loans | 495.2215% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 2,922 |
| Noncurrent loans to loans | 0.3175% | 3,299 |
| Net loans and leases to total assets | 64.6990% | 3,107 |
| Net loans and leases to deposits | 77.5077% | 3,062 |
| Net loans and leases to core deposits | 79.0418% | 3,376 |
| Total domestic deposits to total assets | 83.4742% | 3,033 |
| Equity capital to assets | 11.4234% | 2,598 |
| Core capital (leverage) ratio | 11.1194% | 2,399 |
| Tier 1 risk-based capital ratio | 17.3324% | 1,949 |
| Total risk-based capital ratio | 18.5862% | 1,898 |
| Memoranda: | ||
| Average total assets | $549,175,600 | 1,307 |
| Average earning assets | $519,830,400 | 1,291 |
| Average equity | $60,218,600 | 1,374 |
| Average total loans | $362,935,200 | 1,377 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 3,612 |
| Cost of funding earning assets | 0.5791% | 3,779 |
| Net interest margin | 3.7372% | 2,800 |
| Noninterest income to average assets | 1.1194% | 724 |
| Noninterest expense to average assets | 2.8210% | 2,511 |
| Loan and lease loss provision to assets | 0.0916% | 2,077 |
| Net operating income to assets | 1.3750% | 1,548 |
| Return on assets (ROA) | 1.3773% | 1,614 |
| Pretax return on assets | 1.7513% | 1,197 |
| Return on Equity (ROE) | 12.6939% | 1,388 |
| Retained earnings to average equity (ytd only) | 10.1493% | 719 |
| Net charge-offs to loans | -0.1436% | 5,061 |
| Credit loss provision to net charge-offs | -96.4194% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5225% | 3,538 |
| Assets per employee ($millions) | 5.5461% | 1,989 |
| Cash dividends to net income (ytd only)* | 20.0459% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,207 |
| Loan loss allowance to noncurrent loans | 497.0822% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,015 |
| Noncurrent loans to loans | 0.3048% | 3,440 |
| Net loans and leases to total assets | 65.8923% | 3,064 |
| Net loans and leases to deposits | 77.9545% | 3,096 |
| Net loans and leases to core deposits | 79.3946% | 3,433 |
| Total domestic deposits to total assets | 84.5266% | 2,615 |
| Equity capital to assets | 11.2300% | 2,894 |
| Core capital (leverage) ratio | 11.3558% | 2,337 |
| Tier 1 risk-based capital ratio | 16.8812% | 2,124 |
| Total risk-based capital ratio | 18.1346% | 2,060 |
| Memoranda: | ||
| Average total assets | $548,592,500 | 1,313 |
| Average earning assets | $519,880,000 | 1,294 |
| Average equity | $59,523,000 | 1,384 |
| Average total loans | $363,039,000 | 1,386 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 3,827 |
| Cost of funding earning assets | 0.5928% | 3,682 |
| Net interest margin | 3.6444% | 3,119 |
| Noninterest income to average assets | 1.0161% | 850 |
| Noninterest expense to average assets | 2.7835% | 2,648 |
| Loan and lease loss provision to assets | 0.1105% | 1,691 |
| Net operating income to assets | 1.2443% | 1,986 |
| Return on assets (ROA) | 1.2477% | 2,026 |
| Pretax return on assets | 1.5818% | 1,600 |
| Return on Equity (ROE) | 11.6376% | 1,723 |
| Retained earnings to average equity (ytd only) | 7.7607% | 1,493 |
| Net charge-offs to loans | -0.0083% | 4,265 |
| Credit loss provision to net charge-offs | -2,013.3333% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2504% | 3,390 |
| Assets per employee ($millions) | 5.5646% | 1,910 |
| Cash dividends to net income (ytd only)* | 33.3138% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,555 |
| Loan loss allowance to noncurrent loans | 398.9969% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,857 |
| Noncurrent loans to loans | 0.3544% | 3,276 |
| Net loans and leases to total assets | 64.1477% | 3,324 |
| Net loans and leases to deposits | 77.6513% | 3,175 |
| Net loans and leases to core deposits | 79.0523% | 3,503 |
| Total domestic deposits to total assets | 82.6100% | 3,330 |
| Equity capital to assets | 10.6736% | 3,363 |
| Core capital (leverage) ratio | 10.8922% | 2,703 |
| Tier 1 risk-based capital ratio | 16.6495% | 2,189 |
| Total risk-based capital ratio | 17.9016% | 2,140 |
| Memoranda: | ||
| Average total assets | $546,586,330 | 1,318 |
| Average earning assets | $518,216,670 | 1,291 |
| Average equity | $58,603,000 | 1,393 |
| Average total loans | $360,362,670 | 1,395 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 3,715 |
| Cost of funding earning assets | 0.5891% | 3,630 |
| Net interest margin | 3.6577% | 3,051 |
| Noninterest income to average assets | 1.0325% | 752 |
| Noninterest expense to average assets | 2.7339% | 2,795 |
| Loan and lease loss provision to assets | 0.1685% | 992 |
| Net operating income to assets | 1.2560% | 1,863 |
| Return on assets (ROA) | 1.2560% | 1,911 |
| Pretax return on assets | 1.5959% | 1,486 |
| Return on Equity (ROE) | 11.6870% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.6870% | 676 |
| Net charge-offs to loans | -0.0067% | 4,098 |
| Credit loss provision to net charge-offs | -3,783.3333% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7756% | 3,708 |
| Assets per employee ($millions) | 5.4502% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,637 |
| Loan loss allowance to noncurrent loans | 441.9635% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,806 |
| Noncurrent loans to loans | 0.3192% | 3,424 |
| Net loans and leases to total assets | 65.2296% | 3,144 |
| Net loans and leases to deposits | 78.4678% | 3,012 |
| Net loans and leases to core deposits | 79.9685% | 3,377 |
| Total domestic deposits to total assets | 83.1291% | 3,340 |
| Equity capital to assets | 10.8172% | 3,029 |
| Core capital (leverage) ratio | 10.9978% | 2,576 |
| Tier 1 risk-based capital ratio | 16.6230% | 2,218 |
| Total risk-based capital ratio | 17.8750% | 2,175 |
| Memoranda: | ||
| Average total assets | $538,868,000 | 1,342 |
| Average earning assets | $510,593,500 | 1,315 |
| Average equity | $57,910,500 | 1,403 |
| Average total loans | $357,696,000 | 1,413 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 4,054 |
| Cost of funding earning assets | 0.4245% | 3,828 |
| Net interest margin | 3.5674% | 3,490 |
| Noninterest income to average assets | 1.1820% | 661 |
| Noninterest expense to average assets | 2.7824% | 2,746 |
| Loan and lease loss provision to assets | 0.0579% | 3,002 |
| Net operating income to assets | 1.3432% | 1,644 |
| Return on assets (ROA) | 1.3429% | 1,631 |
| Pretax return on assets | 1.7093% | 1,146 |
| Return on Equity (ROE) | 12.7408% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.3508% | 768 |
| Net charge-offs to loans | 0.0003% | 3,777 |
| Credit loss provision to net charge-offs | 30,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 9,152.0000% | 5 |
| Efficiency ratio | 61.1512% | 3,670 |
| Assets per employee ($millions) | 5.3810% | 2,078 |
| Cash dividends to net income (ytd only)* | 26.6072% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,755 |
| Loan loss allowance to noncurrent loans | 399.1776% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 2,682 |
| Noncurrent loans to loans | 0.3427% | 3,321 |
| Net loans and leases to total assets | 65.6892% | 3,175 |
| Net loans and leases to deposits | 77.8643% | 3,181 |
| Net loans and leases to core deposits | 79.1925% | 3,484 |
| Total domestic deposits to total assets | 84.3637% | 2,882 |
| Equity capital to assets | 10.6746% | 3,010 |
| Core capital (leverage) ratio | 10.6607% | 2,877 |
| Tier 1 risk-based capital ratio | 16.1272% | 2,365 |
| Total risk-based capital ratio | 17.3785% | 2,307 |
| Memoranda: | ||
| Average total assets | $517,747,800 | 1,363 |
| Average earning assets | $488,813,600 | 1,339 |
| Average equity | $54,572,600 | 1,419 |
| Average total loans | $339,104,800 | 1,444 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 4,228 |
| Cost of funding earning assets | 0.3833% | 3,977 |
| Net interest margin | 3.5099% | 3,662 |
| Noninterest income to average assets | 1.2677% | 598 |
| Noninterest expense to average assets | 2.7750% | 2,728 |
| Loan and lease loss provision to assets | 0.0584% | 2,806 |
| Net operating income to assets | 1.3698% | 1,590 |
| Return on assets (ROA) | 1.3693% | 1,593 |
| Pretax return on assets | 1.7449% | 1,160 |
| Return on Equity (ROE) | 13.0344% | 1,422 |
| Retained earnings to average equity (ytd only) | 10.7110% | 720 |
| Net charge-offs to loans | 0.0028% | 3,377 |
| Credit loss provision to net charge-offs | 3,214.2857% | 133 |
| Earnings coverage of net charge-offs (x) | 993.7588% | 85 |
| Efficiency ratio | 60.6050% | 3,724 |
| Assets per employee ($millions) | 5.5840% | 1,843 |
| Cash dividends to net income (ytd only)* | 17.8254% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,721 |
| Loan loss allowance to noncurrent loans | 338.0312% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,592 |
| Noncurrent loans to loans | 0.4125% | 3,175 |
| Net loans and leases to total assets | 64.3027% | 3,390 |
| Net loans and leases to deposits | 75.5117% | 3,453 |
| Net loans and leases to core deposits | 76.6305% | 3,759 |
| Total domestic deposits to total assets | 85.1560% | 2,545 |
| Equity capital to assets | 10.6531% | 2,982 |
| Core capital (leverage) ratio | 10.8798% | 2,695 |
| Tier 1 risk-based capital ratio | 16.4446% | 2,288 |
| Total risk-based capital ratio | 17.6961% | 2,231 |
| Memoranda: | ||
| Average total assets | $514,006,000 | 1,374 |
| Average earning assets | $484,902,000 | 1,355 |
| Average equity | $53,999,500 | 1,436 |
| Average total loans | $335,183,500 | 1,460 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 4,273 |
| Cost of funding earning assets | 0.3294% | 4,208 |
| Net interest margin | 3.5005% | 3,622 |
| Noninterest income to average assets | 1.3531% | 525 |
| Noninterest expense to average assets | 2.7776% | 2,728 |
| Loan and lease loss provision to assets | 0.0588% | 2,729 |
| Net operating income to assets | 1.4274% | 1,347 |
| Return on assets (ROA) | 1.4268% | 1,347 |
| Pretax return on assets | 1.8183% | 923 |
| Return on Equity (ROE) | 13.6469% | 1,170 |
| Retained earnings to average equity (ytd only) | 10.6822% | 740 |
| Net charge-offs to loans | 0.0096% | 2,796 |
| Credit loss provision to net charge-offs | 937.5000% | 429 |
| Earnings coverage of net charge-offs (x) | 299.5000% | 306 |
| Efficiency ratio | 59.6633% | 3,982 |
| Assets per employee ($millions) | 5.4436% | 1,950 |
| Cash dividends to net income (ytd only)* | 21.7248% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,848 |
| Loan loss allowance to noncurrent loans | 300.1921% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 2,200 |
| Noncurrent loans to loans | 0.4567% | 3,071 |
| Net loans and leases to total assets | 63.8828% | 3,418 |
| Net loans and leases to deposits | 79.9056% | 2,965 |
| Net loans and leases to core deposits | 80.9621% | 3,323 |
| Total domestic deposits to total assets | 79.9478% | 4,246 |
| Equity capital to assets | 10.3250% | 3,315 |
| Core capital (leverage) ratio | 10.8074% | 2,688 |
| Tier 1 risk-based capital ratio | 15.8405% | 2,493 |
| Total risk-based capital ratio | 17.0917% | 2,438 |
| Memoranda: | ||
| Average total assets | $510,374,670 | 1,388 |
| Average earning assets | $481,478,330 | 1,372 |
| Average equity | $53,360,000 | 1,452 |
| Average total loans | $332,812,000 | 1,470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,751 |
| Cost of funding earning assets | 0.2844% | 4,463 |
| Net interest margin | 3.6773% | 2,896 |
| Noninterest income to average assets | 0.9690% | 982 |
| Noninterest expense to average assets | 2.7945% | 2,705 |
| Loan and lease loss provision to assets | 0.0598% | 2,573 |
| Net operating income to assets | 1.2382% | 1,854 |
| Return on assets (ROA) | 1.2370% | 1,872 |
| Pretax return on assets | 1.5775% | 1,459 |
| Return on Equity (ROE) | 11.7543% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.7543% | 728 |
| Net charge-offs to loans | -0.0085% | 4,185 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0329% | 3,631 |
| Assets per employee ($millions) | 5.3485% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,768 |
| Loan loss allowance to noncurrent loans | 292.7399% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 2,185 |
| Noncurrent loans to loans | 0.4846% | 3,067 |
| Net loans and leases to total assets | 63.4223% | 3,378 |
| Net loans and leases to deposits | 77.1227% | 3,104 |
| Net loans and leases to core deposits | 78.1516% | 3,483 |
| Total domestic deposits to total assets | 82.2355% | 3,890 |
| Equity capital to assets | 10.4988% | 3,079 |
| Core capital (leverage) ratio | 10.9763% | 2,464 |
| Tier 1 risk-based capital ratio | 15.7483% | 2,570 |
| Total risk-based capital ratio | 16.9999% | 2,525 |
| Memoranda: | ||
| Average total assets | $501,548,000 | 1,420 |
| Average earning assets | $472,521,500 | 1,402 |
| Average equity | $52,780,500 | 1,468 |
| Average total loans | $328,214,000 | 1,496 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,284 |
| Cost of funding earning assets | 0.2423% | 4,627 |
| Net interest margin | 3.4806% | 3,592 |
| Noninterest income to average assets | 1.0744% | 884 |
| Noninterest expense to average assets | 2.8204% | 2,708 |
| Loan and lease loss provision to assets | 0.0847% | 2,512 |
| Net operating income to assets | 0.9516% | 2,438 |
| Return on assets (ROA) | 0.9879% | 2,335 |
| Pretax return on assets | 1.5074% | 1,609 |
| Return on Equity (ROE) | 9.6207% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.1788% | 1,012 |
| Net charge-offs to loans | -0.0034% | 4,583 |
| Credit loss provision to net charge-offs | -3,818.1818% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7268% | 3,492 |
| Assets per employee ($millions) | 5.2659% | 2,185 |
| Cash dividends to net income (ytd only)* | 25.3826% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,830 |
| Loan loss allowance to noncurrent loans | 271.6160% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 1,909 |
| Noncurrent loans to loans | 0.5089% | 2,992 |
| Net loans and leases to total assets | 65.6546% | 3,144 |
| Net loans and leases to deposits | 77.6306% | 3,158 |
| Net loans and leases to core deposits | 78.5345% | 3,541 |
| Total domestic deposits to total assets | 84.5731% | 3,006 |
| Equity capital to assets | 10.5489% | 3,113 |
| Core capital (leverage) ratio | 10.4313% | 2,930 |
| Tier 1 risk-based capital ratio | 15.5573% | 2,602 |
| Total risk-based capital ratio | 16.8085% | 2,539 |
| Memoranda: | ||
| Average total assets | $496,099,800 | 1,413 |
| Average earning assets | $467,932,800 | 1,387 |
| Average equity | $50,942,000 | 1,502 |
| Average total loans | $324,556,400 | 1,464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,353 |
| Cost of funding earning assets | 0.2317% | 4,731 |
| Net interest margin | 3.4563% | 3,650 |
| Noninterest income to average assets | 1.1263% | 797 |
| Noninterest expense to average assets | 2.8456% | 2,576 |
| Loan and lease loss provision to assets | 0.0725% | 2,624 |
| Net operating income to assets | 1.0773% | 2,194 |
| Return on assets (ROA) | 1.1308% | 2,012 |
| Pretax return on assets | 1.5434% | 1,604 |
| Return on Equity (ROE) | 11.0881% | 1,663 |
| Retained earnings to average equity (ytd only) | 9.6317% | 670 |
| Net charge-offs to loans | -0.0045% | 4,440 |
| Credit loss provision to net charge-offs | -2,454.5455% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8467% | 3,392 |
| Assets per employee ($millions) | 5.3321% | 2,086 |
| Cash dividends to net income (ytd only)* | 13.1353% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,377 |
| Loan loss allowance to noncurrent loans | 210.1622% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 2,002 |
| Noncurrent loans to loans | 0.6163% | 2,866 |
| Net loans and leases to total assets | 66.2741% | 3,064 |
| Net loans and leases to deposits | 78.0017% | 3,161 |
| Net loans and leases to core deposits | 78.8374% | 3,555 |
| Total domestic deposits to total assets | 84.9649% | 2,726 |
| Equity capital to assets | 10.3799% | 3,504 |
| Core capital (leverage) ratio | 10.4261% | 3,056 |
| Tier 1 risk-based capital ratio | 14.9706% | 2,931 |
| Total risk-based capital ratio | 16.2197% | 2,859 |
| Memoranda: | ||
| Average total assets | $496,376,750 | 1,419 |
| Average earning assets | $468,459,750 | 1,396 |
| Average equity | $50,623,500 | 1,522 |
| Average total loans | $323,310,500 | 1,478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 4,516 |
| Cost of funding earning assets | 0.2263% | 4,749 |
| Net interest margin | 3.3714% | 3,871 |
| Noninterest income to average assets | 1.1806% | 726 |
| Noninterest expense to average assets | 2.9048% | 2,407 |
| Loan and lease loss provision to assets | 0.0243% | 3,513 |
| Net operating income to assets | 1.0864% | 2,050 |
| Return on assets (ROA) | 1.1583% | 1,792 |
| Pretax return on assets | 1.5250% | 1,557 |
| Return on Equity (ROE) | 11.4266% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.2133% | 782 |
| Net charge-offs to loans | -0.0220% | 4,814 |
| Credit loss provision to net charge-offs | -171.4286% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6294% | 3,242 |
| Assets per employee ($millions) | 4.9060% | 2,502 |
| Cash dividends to net income (ytd only)* | 19.3695% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,627 |
| Loan loss allowance to noncurrent loans | 165.5159% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 1,841 |
| Noncurrent loans to loans | 0.7611% | 2,489 |
| Net loans and leases to total assets | 65.4419% | 3,187 |
| Net loans and leases to deposits | 78.4559% | 3,072 |
| Net loans and leases to core deposits | 79.5146% | 3,456 |
| Total domestic deposits to total assets | 83.4123% | 3,422 |
| Equity capital to assets | 10.1336% | 3,756 |
| Core capital (leverage) ratio | 10.2587% | 3,189 |
| Tier 1 risk-based capital ratio | 14.8111% | 3,009 |
| Total risk-based capital ratio | 16.0259% | 2,959 |
| Memoranda: | ||
| Average total assets | $492,984,330 | 1,436 |
| Average earning assets | $464,854,670 | 1,414 |
| Average equity | $49,971,330 | 1,537 |
| Average total loans | $317,707,670 | 1,495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 4,800 |
| Cost of funding earning assets | 0.2207% | 4,796 |
| Net interest margin | 3.2396% | 4,215 |
| Noninterest income to average assets | 0.9860% | 1,033 |
| Noninterest expense to average assets | 2.7370% | 3,005 |
| Loan and lease loss provision to assets | 0.0246% | 3,254 |
| Net operating income to assets | 1.1092% | 1,830 |
| Return on assets (ROA) | 1.1092% | 1,871 |
| Pretax return on assets | 1.2752% | 2,330 |
| Return on Equity (ROE) | 10.9415% | 1,588 |
| Retained earnings to average equity (ytd only) | 10.9415% | 617 |
| Net charge-offs to loans | -0.0440% | 5,127 |
| Credit loss provision to net charge-offs | -88.2353% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7997% | 3,232 |
| Assets per employee ($millions) | 4.9970% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,447 |
| Loan loss allowance to noncurrent loans | 142.5459% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,733 |
| Noncurrent loans to loans | 0.9247% | 2,193 |
| Net loans and leases to total assets | 62.7479% | 3,433 |
| Net loans and leases to deposits | 74.8758% | 3,315 |
| Net loans and leases to core deposits | 76.1697% | 3,639 |
| Total domestic deposits to total assets | 83.8027% | 3,549 |
| Equity capital to assets | 10.0222% | 3,725 |
| Core capital (leverage) ratio | 10.4614% | 2,947 |
| Tier 1 risk-based capital ratio | 14.9173% | 3,004 |
| Total risk-based capital ratio | 16.1547% | 2,937 |
| Memoranda: | ||
| Average total assets | $486,816,500 | 1,455 |
| Average earning assets | $458,448,000 | 1,435 |
| Average equity | $49,353,500 | 1,551 |
| Average total loans | $309,106,500 | 1,535 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 4,653 |
| Cost of funding earning assets | 0.3007% | 4,057 |
| Net interest margin | 3.2435% | 4,318 |
| Noninterest income to average assets | 1.0282% | 1,070 |
| Noninterest expense to average assets | 2.9849% | 2,391 |
| Loan and lease loss provision to assets | 0.0124% | 4,130 |
| Net operating income to assets | 0.7552% | 3,515 |
| Return on assets (ROA) | 0.8535% | 3,160 |
| Pretax return on assets | 1.2120% | 2,613 |
| Return on Equity (ROE) | 8.6637% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.1776% | 1,616 |
| Net charge-offs to loans | -0.0228% | 5,162 |
| Credit loss provision to net charge-offs | -92.3077% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3594% | 2,364 |
| Assets per employee ($millions) | 4.6924% | 2,804 |
| Cash dividends to net income (ytd only)* | 28.6959% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 2,210 |
| Loan loss allowance to noncurrent loans | 138.9488% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,594 |
| Noncurrent loans to loans | 0.9878% | 2,117 |
| Net loans and leases to total assets | 62.5299% | 3,541 |
| Net loans and leases to deposits | 72.9318% | 3,623 |
| Net loans and leases to core deposits | 74.2618% | 3,901 |
| Total domestic deposits to total assets | 85.7374% | 2,704 |
| Equity capital to assets | 10.2601% | 3,435 |
| Core capital (leverage) ratio | 10.0074% | 3,472 |
| Tier 1 risk-based capital ratio | 15.4559% | 2,764 |
| Total risk-based capital ratio | 16.7066% | 2,700 |
| Memoranda: | ||
| Average total assets | $484,242,400 | 1,423 |
| Average earning assets | $453,961,000 | 1,410 |
| Average equity | $47,704,800 | 1,585 |
| Average total loans | $285,016,800 | 1,593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,839 |
| Cost of funding earning assets | 0.3048% | 4,045 |
| Net interest margin | 3.1843% | 4,524 |
| Noninterest income to average assets | 1.0002% | 1,149 |
| Noninterest expense to average assets | 2.9469% | 2,472 |
| Loan and lease loss provision to assets | 0.0123% | 4,002 |
| Net operating income to assets | 0.7231% | 3,733 |
| Return on assets (ROA) | 0.8553% | 3,250 |
| Pretax return on assets | 1.2114% | 2,789 |
| Return on Equity (ROE) | 8.7708% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.5070% | 1,396 |
| Net charge-offs to loans | -0.0304% | 5,168 |
| Credit loss provision to net charge-offs | -70.3125% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9621% | 2,293 |
| Assets per employee ($millions) | 4.6859% | 2,769 |
| Cash dividends to net income (ytd only)* | 14.4093% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,211 |
| Loan loss allowance to noncurrent loans | 137.2536% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 1,768 |
| Noncurrent loans to loans | 1.0187% | 2,206 |
| Net loans and leases to total assets | 59.4472% | 3,946 |
| Net loans and leases to deposits | 71.9320% | 3,813 |
| Net loans and leases to core deposits | 73.1389% | 4,071 |
| Total domestic deposits to total assets | 82.6437% | 3,728 |
| Equity capital to assets | 10.0527% | 4,084 |
| Core capital (leverage) ratio | 10.0417% | 3,513 |
| Tier 1 risk-based capital ratio | 15.6306% | 2,775 |
| Total risk-based capital ratio | 16.8814% | 2,707 |
| Memoranda: | ||
| Average total assets | $486,820,000 | 1,414 |
| Average earning assets | $456,226,500 | 1,407 |
| Average equity | $47,474,500 | 1,597 |
| Average total loans | $281,152,750 | 1,611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,849 |
| Cost of funding earning assets | 0.3123% | 3,993 |
| Net interest margin | 3.1934% | 4,559 |
| Noninterest income to average assets | 0.9432% | 1,259 |
| Noninterest expense to average assets | 2.9791% | 2,415 |
| Loan and lease loss provision to assets | 0.0123% | 3,853 |
| Net operating income to assets | 0.6721% | 3,952 |
| Return on assets (ROA) | 0.8203% | 3,356 |
| Pretax return on assets | 1.1565% | 2,960 |
| Return on Equity (ROE) | 8.4992% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.5830% | 1,825 |
| Net charge-offs to loans | -0.0087% | 4,663 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6286% | 2,124 |
| Assets per employee ($millions) | 4.4814% | 3,067 |
| Cash dividends to net income (ytd only)* | 22.5451% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 2,123 |
| Loan loss allowance to noncurrent loans | 100.5724% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 1,267 |
| Noncurrent loans to loans | 1.4289% | 1,551 |
| Net loans and leases to total assets | 56.7386% | 4,229 |
| Net loans and leases to deposits | 70.9068% | 3,901 |
| Net loans and leases to core deposits | 72.2350% | 4,149 |
| Total domestic deposits to total assets | 80.0185% | 4,539 |
| Equity capital to assets | 9.8283% | 4,412 |
| Core capital (leverage) ratio | 9.6975% | 3,931 |
| Tier 1 risk-based capital ratio | 15.7427% | 2,766 |
| Total risk-based capital ratio | 16.9936% | 2,696 |
| Memoranda: | ||
| Average total assets | $486,649,000 | 1,425 |
| Average earning assets | $456,569,000 | 1,406 |
| Average equity | $46,969,330 | 1,615 |
| Average total loans | $276,932,330 | 1,631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,091 |
| Cost of funding earning assets | 0.3320% | 3,816 |
| Net interest margin | 3.0831% | 4,908 |
| Noninterest income to average assets | 0.9108% | 1,285 |
| Noninterest expense to average assets | 3.1762% | 1,892 |
| Loan and lease loss provision to assets | 0.0124% | 3,530 |
| Net operating income to assets | 0.4383% | 4,870 |
| Return on assets (ROA) | 0.7395% | 3,644 |
| Pretax return on assets | 1.0310% | 3,357 |
| Return on Equity (ROE) | 7.7331% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7331% | 1,578 |
| Net charge-offs to loans | 0.0626% | 1,869 |
| Credit loss provision to net charge-offs | 34.8837% | 2,182 |
| Earnings coverage of net charge-offs (x) | 17.6512% | 1,566 |
| Efficiency ratio | 83.5572% | 1,200 |
| Assets per employee ($millions) | 4.5869% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 2,337 |
| Loan loss allowance to noncurrent loans | 76.3214% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.5642% | 1,282 |
| Noncurrent loans to loans | 1.8593% | 1,193 |
| Net loans and leases to total assets | 56.2074% | 4,231 |
| Net loans and leases to deposits | 68.5790% | 3,992 |
| Net loans and leases to core deposits | 69.8236% | 4,252 |
| Total domestic deposits to total assets | 81.9601% | 4,244 |
| Equity capital to assets | 9.5644% | 4,606 |
| Core capital (leverage) ratio | 9.8312% | 3,741 |
| Tier 1 risk-based capital ratio | 15.7968% | 2,783 |
| Total risk-based capital ratio | 17.0478% | 2,714 |
| Memoranda: | ||
| Average total assets | $485,735,000 | 1,426 |
| Average earning assets | $455,389,000 | 1,405 |
| Average equity | $46,449,500 | 1,620 |
| Average total loans | $274,800,500 | 1,640 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,420 |
| Cost of funding earning assets | 0.4110% | 3,044 |
| Net interest margin | 3.2719% | 4,407 |
| Noninterest income to average assets | 0.9623% | 1,287 |
| Noninterest expense to average assets | 3.2860% | 1,748 |
| Loan and lease loss provision to assets | 0.0082% | 4,233 |
| Net operating income to assets | 0.5467% | 4,512 |
| Return on assets (ROA) | 0.5474% | 4,606 |
| Pretax return on assets | 0.7117% | 4,500 |
| Return on Equity (ROE) | 5.5892% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.8935% | 3,264 |
| Net charge-offs to loans | -0.0590% | 5,602 |
| Credit loss provision to net charge-offs | -25.1656% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0463% | 1,406 |
| Assets per employee ($millions) | 4.4922% | 3,058 |
| Cash dividends to net income (ytd only)* | 30.3388% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 2,096 |
| Loan loss allowance to noncurrent loans | 59.1918% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.9273% | 936 |
| Noncurrent loans to loans | 2.5044% | 731 |
| Net loans and leases to total assets | 55.2905% | 4,356 |
| Net loans and leases to deposits | 66.9664% | 4,224 |
| Net loans and leases to core deposits | 68.1982% | 4,437 |
| Total domestic deposits to total assets | 82.5645% | 3,991 |
| Equity capital to assets | 9.5610% | 4,484 |
| Core capital (leverage) ratio | 9.8342% | 3,730 |
| Tier 1 risk-based capital ratio | 15.7197% | 2,821 |
| Total risk-based capital ratio | 16.9711% | 2,758 |
| Memoranda: | ||
| Average total assets | $463,659,000 | 1,452 |
| Average earning assets | $431,187,600 | 1,450 |
| Average equity | $45,408,600 | 1,624 |
| Average total loans | $256,027,600 | 1,691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,518 |
| Cost of funding earning assets | 0.4198% | 3,012 |
| Net interest margin | 3.2510% | 4,525 |
| Noninterest income to average assets | 0.9754% | 1,241 |
| Noninterest expense to average assets | 3.1550% | 2,074 |
| Loan and lease loss provision to assets | 0.0125% | 4,021 |
| Net operating income to assets | 0.6266% | 4,259 |
| Return on assets (ROA) | 0.6275% | 4,364 |
| Pretax return on assets | 0.8277% | 4,251 |
| Return on Equity (ROE) | 6.3673% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.2835% | 2,735 |
| Net charge-offs to loans | -0.2307% | 6,028 |
| Credit loss provision to net charge-offs | -9.8398% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9929% | 1,807 |
| Assets per employee ($millions) | 4.3909% | 3,177 |
| Cash dividends to net income (ytd only)* | 17.0212% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 1,686 |
| Loan loss allowance to noncurrent loans | 73.3459% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8076% | 1,183 |
| Noncurrent loans to loans | 2.2184% | 987 |
| Net loans and leases to total assets | 55.7269% | 4,387 |
| Net loans and leases to deposits | 69.1972% | 4,072 |
| Net loans and leases to core deposits | 70.6777% | 4,308 |
| Total domestic deposits to total assets | 80.5336% | 4,595 |
| Equity capital to assets | 9.9368% | 4,245 |
| Core capital (leverage) ratio | 10.0813% | 3,525 |
| Tier 1 risk-based capital ratio | 16.7729% | 2,446 |
| Total risk-based capital ratio | 18.0269% | 2,410 |
| Memoranda: | ||
| Average total assets | $459,406,250 | 1,466 |
| Average earning assets | $426,566,750 | 1,465 |
| Average equity | $45,271,500 | 1,641 |
| Average total loans | $252,593,500 | 1,717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,563 |
| Cost of funding earning assets | 0.4289% | 2,943 |
| Net interest margin | 3.2249% | 4,582 |
| Noninterest income to average assets | 0.9016% | 1,440 |
| Noninterest expense to average assets | 3.0879% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6135% | 4,279 |
| Return on assets (ROA) | 0.6148% | 4,391 |
| Pretax return on assets | 0.8072% | 4,295 |
| Return on Equity (ROE) | 6.2564% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.6189% | 3,099 |
| Net charge-offs to loans | -0.2041% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3127% | 1,865 |
| Assets per employee ($millions) | 4.1584% | 3,553 |
| Cash dividends to net income (ytd only)* | 26.1735% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 1,949 |
| Loan loss allowance to noncurrent loans | 62.8616% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7553% | 1,337 |
| Noncurrent loans to loans | 2.5260% | 879 |
| Net loans and leases to total assets | 53.6015% | 4,598 |
| Net loans and leases to deposits | 67.9330% | 4,141 |
| Net loans and leases to core deposits | 69.5463% | 4,363 |
| Total domestic deposits to total assets | 78.9036% | 5,117 |
| Equity capital to assets | 9.6432% | 4,478 |
| Core capital (leverage) ratio | 9.7845% | 3,882 |
| Tier 1 risk-based capital ratio | 16.8235% | 2,475 |
| Total risk-based capital ratio | 18.0766% | 2,433 |
| Memoranda: | ||
| Average total assets | $457,397,670 | 1,485 |
| Average earning assets | $424,323,670 | 1,483 |
| Average equity | $44,945,670 | 1,661 |
| Average total loans | $248,904,330 | 1,748 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,306 |
| Cost of funding earning assets | 0.4437% | 2,844 |
| Net interest margin | 3.2733% | 4,335 |
| Noninterest income to average assets | 0.9230% | 1,319 |
| Noninterest expense to average assets | 3.1067% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6419% | 4,077 |
| Return on assets (ROA) | 0.6419% | 4,195 |
| Pretax return on assets | 0.8450% | 4,085 |
| Return on Equity (ROE) | 6.4698% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.4698% | 2,250 |
| Net charge-offs to loans | 0.0147% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 105.8889% | 471 |
| Efficiency ratio | 78.6179% | 2,100 |
| Assets per employee ($millions) | 4.1575% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 2,348 |
| Loan loss allowance to noncurrent loans | 51.1988% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0434% | 1,158 |
| Noncurrent loans to loans | 2.9787% | 734 |
| Net loans and leases to total assets | 53.1847% | 4,533 |
| Net loans and leases to deposits | 66.7307% | 4,080 |
| Net loans and leases to core deposits | 68.7265% | 4,265 |
| Total domestic deposits to total assets | 79.7005% | 5,121 |
| Equity capital to assets | 9.8267% | 4,354 |
| Core capital (leverage) ratio | 9.9956% | 3,606 |
| Tier 1 risk-based capital ratio | 17.0753% | 2,454 |
| Total risk-based capital ratio | 18.3273% | 2,409 |
| Memoranda: | ||
| Average total assets | $451,149,000 | 1,514 |
| Average earning assets | $417,432,000 | 1,511 |
| Average equity | $44,762,000 | 1,673 |
| Average total loans | $245,389,000 | 1,773 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,873 |
| Cost of funding earning assets | 0.5282% | 2,405 |
| Net interest margin | 3.1447% | 5,084 |
| Noninterest income to average assets | 0.8793% | 1,571 |
| Noninterest expense to average assets | 2.9903% | 2,872 |
| Loan and lease loss provision to assets | 0.0024% | 4,557 |
| Net operating income to assets | 0.5899% | 4,424 |
| Return on assets (ROA) | 0.6033% | 4,447 |
| Pretax return on assets | 0.7896% | 4,296 |
| Return on Equity (ROE) | 6.1757% | 4,068 |
| Retained earnings to average equity (ytd only) | -22.8881% | 6,441 |
| Net charge-offs to loans | 0.1608% | 2,422 |
| Credit loss provision to net charge-offs | 2.9101% | 4,180 |
| Earnings coverage of net charge-offs (x) | 9.5450% | 2,735 |
| Efficiency ratio | 79.4310% | 2,012 |
| Assets per employee ($millions) | 3.9011% | 4,163 |
| Cash dividends to net income (ytd only)* | 470.6154% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 2,167 |
| Loan loss allowance to noncurrent loans | 47.7623% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.3776% | 986 |
| Noncurrent loans to loans | 3.3025% | 644 |
| Net loans and leases to total assets | 53.9294% | 4,591 |
| Net loans and leases to deposits | 66.2331% | 4,295 |
| Net loans and leases to core deposits | 68.3829% | 4,464 |
| Total domestic deposits to total assets | 81.4237% | 4,621 |
| Equity capital to assets | 10.0213% | 4,088 |
| Core capital (leverage) ratio | 9.6689% | 4,018 |
| Tier 1 risk-based capital ratio | 17.6150% | 2,274 |
| Total risk-based capital ratio | 18.8681% | 2,244 |
| Memoranda: | ||
| Average total assets | $465,943,800 | 1,432 |
| Average earning assets | $427,513,200 | 1,430 |
| Average equity | $45,517,200 | 1,582 |
| Average total loans | $235,068,200 | 1,790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 5,060 |
| Cost of funding earning assets | 0.5391% | 2,383 |
| Net interest margin | 3.0927% | 5,281 |
| Noninterest income to average assets | 0.8823% | 1,581 |
| Noninterest expense to average assets | 2.8729% | 3,224 |
| Loan and lease loss provision to assets | 0.0045% | 4,322 |
| Net operating income to assets | 0.6346% | 4,285 |
| Return on assets (ROA) | 0.6519% | 4,306 |
| Pretax return on assets | 0.8645% | 4,125 |
| Return on Equity (ROE) | 6.7141% | 3,843 |
| Retained earnings to average equity (ytd only) | -29.9765% | 6,528 |
| Net charge-offs to loans | 0.1542% | 2,257 |
| Credit loss provision to net charge-offs | 5.9259% | 3,750 |
| Earnings coverage of net charge-offs (x) | 11.0963% | 2,469 |
| Efficiency ratio | 77.2531% | 2,314 |
| Assets per employee ($millions) | 4.1521% | 3,563 |
| Cash dividends to net income (ytd only)* | 546.4703% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 2,061 |
| Loan loss allowance to noncurrent loans | 37.2625% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.7328% | 911 |
| Noncurrent loans to loans | 4.4893% | 440 |
| Net loans and leases to total assets | 50.0323% | 5,006 |
| Net loans and leases to deposits | 61.4973% | 4,793 |
| Net loans and leases to core deposits | 64.1696% | 4,865 |
| Total domestic deposits to total assets | 81.3570% | 4,713 |
| Equity capital to assets | 9.4859% | 4,808 |
| Core capital (leverage) ratio | 9.7726% | 3,965 |
| Tier 1 risk-based capital ratio | 17.9343% | 2,232 |
| Total risk-based capital ratio | 19.1885% | 2,193 |
| Memoranda: | ||
| Average total assets | $472,225,000 | 1,427 |
| Average earning assets | $433,094,750 | 1,429 |
| Average equity | $45,852,500 | 1,573 |
| Average total loans | $233,450,000 | 1,807 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 5,435 |
| Cost of funding earning assets | 0.5579% | 2,284 |
| Net interest margin | 2.9291% | 5,679 |
| Noninterest income to average assets | 0.7802% | 1,911 |
| Noninterest expense to average assets | 2.7882% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5163% | 4,742 |
| Return on assets (ROA) | 0.5429% | 4,729 |
| Pretax return on assets | 0.7046% | 4,624 |
| Return on Equity (ROE) | 5.5494% | 4,412 |
| Retained earnings to average equity (ytd only) | -48.6474% | 6,626 |
| Net charge-offs to loans | 0.1459% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.3824% | 2,365 |
| Efficiency ratio | 80.6220% | 1,928 |
| Assets per employee ($millions) | 4.1259% | 3,596 |
| Cash dividends to net income (ytd only)* | 976.6254% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 2,021 |
| Loan loss allowance to noncurrent loans | 25.8633% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 3.8172% | 585 |
| Noncurrent loans to loans | 6.7121% | 192 |
| Net loans and leases to total assets | 49.5250% | 5,011 |
| Net loans and leases to deposits | 60.6966% | 4,810 |
| Net loans and leases to core deposits | 63.3380% | 4,876 |
| Total domestic deposits to total assets | 81.5944% | 4,786 |
| Equity capital to assets | 9.2891% | 4,993 |
| Core capital (leverage) ratio | 9.3056% | 4,581 |
| Tier 1 risk-based capital ratio | 18.9629% | 1,934 |
| Total risk-based capital ratio | 20.2189% | 1,893 |
| Memoranda: | ||
| Average total assets | $476,004,670 | 1,409 |
| Average earning assets | $435,220,670 | 1,414 |
| Average equity | $46,563,670 | 1,540 |
| Average total loans | $233,095,000 | 1,803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 5,686 |
| Cost of funding earning assets | 0.5832% | 2,135 |
| Net interest margin | 2.7995% | 5,935 |
| Noninterest income to average assets | 0.7035% | 2,151 |
| Noninterest expense to average assets | 2.6044% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5286% | 4,563 |
| Return on assets (ROA) | 0.5286% | 4,629 |
| Pretax return on assets | 0.6565% | 4,643 |
| Return on Equity (ROE) | 5.2785% | 4,407 |
| Retained earnings to average equity (ytd only) | -77.0692% | 6,698 |
| Net charge-offs to loans | 0.8214% | 423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6549% | 3,050 |
| Efficiency ratio | 79.8685% | 2,228 |
| Assets per employee ($millions) | 4.2783% | 3,384 |
| Cash dividends to net income (ytd only)* | 1,560.0624% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,886 |
| Loan loss allowance to noncurrent loans | 22.9380% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 3.9918% | 592 |
| Noncurrent loans to loans | 6.7934% | 236 |
| Net loans and leases to total assets | 49.6144% | 4,946 |
| Net loans and leases to deposits | 61.7851% | 4,571 |
| Net loans and leases to core deposits | 64.7331% | 4,619 |
| Total domestic deposits to total assets | 80.3016% | 5,424 |
| Equity capital to assets | 9.3895% | 4,644 |
| Core capital (leverage) ratio | 8.9944% | 5,019 |
| Tier 1 risk-based capital ratio | 18.9777% | 1,979 |
| Total risk-based capital ratio | 20.2313% | 1,937 |
| Memoranda: | ||
| Average total assets | $485,017,500 | 1,391 |
| Average earning assets | $443,082,500 | 1,393 |
| Average equity | $48,574,500 | 1,473 |
| Average total loans | $234,232,000 | 1,796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 5,870 |
| Cost of funding earning assets | 0.6188% | 2,493 |
| Net interest margin | 2.7666% | 6,035 |
| Noninterest income to average assets | 0.9505% | 1,524 |
| Noninterest expense to average assets | 2.4350% | 4,973 |
| Loan and lease loss provision to assets | 0.1661% | 2,204 |
| Net operating income to assets | 0.7072% | 3,763 |
| Return on assets (ROA) | 0.8040% | 3,370 |
| Pretax return on assets | 0.9870% | 3,404 |
| Return on Equity (ROE) | 7.9363% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.0155% | 2,580 |
| Net charge-offs to loans | 0.0241% | 4,943 |
| Credit loss provision to net charge-offs | 1,562.5000% | 157 |
| Earnings coverage of net charge-offs (x) | 97.2321% | 473 |
| Efficiency ratio | 70.2036% | 3,807 |
| Assets per employee ($millions) | 4.4591% | 2,972 |
| Cash dividends to net income (ytd only)* | 36.8036% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 2,050 |
| Loan loss allowance to noncurrent loans | 22.0865% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 5.1674% | 448 |
| Noncurrent loans to loans | 8.1772% | 184 |
| Net loans and leases to total assets | 45.4724% | 5,537 |
| Net loans and leases to deposits | 61.7653% | 4,743 |
| Net loans and leases to core deposits | 64.5123% | 4,821 |
| Total domestic deposits to total assets | 73.6212% | 6,310 |
| Equity capital to assets | 10.6044% | 3,040 |
| Core capital (leverage) ratio | 10.6410% | 2,742 |
| Tier 1 risk-based capital ratio | 23.0808% | 1,086 |
| Total risk-based capital ratio | 24.3372% | 1,065 |
| Memoranda: | ||
| Average total assets | $526,858,600 | 1,263 |
| Average earning assets | $479,497,200 | 1,271 |
| Average equity | $53,375,000 | 1,330 |
| Average total loans | $232,667,400 | 1,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3242% | 6,015 |
| Cost of funding earning assets | 0.6247% | 2,609 |
| Net interest margin | 2.6994% | 6,177 |
| Noninterest income to average assets | 0.8773% | 1,831 |
| Noninterest expense to average assets | 2.3340% | 5,233 |
| Loan and lease loss provision to assets | 0.1926% | 1,894 |
| Net operating income to assets | 0.5950% | 4,373 |
| Return on assets (ROA) | 0.6855% | 4,068 |
| Pretax return on assets | 0.9336% | 3,748 |
| Return on Equity (ROE) | 6.8412% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.9791% | 3,862 |
| Net charge-offs to loans | -0.0412% | 6,254 |
| Credit loss provision to net charge-offs | -1,070.8333% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9588% | 3,766 |
| Assets per employee ($millions) | 4.5647% | 2,777 |
| Cash dividends to net income (ytd only)* | 41.8367% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 2,197 |
| Loan loss allowance to noncurrent loans | 17.6120% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 6.0267% | 400 |
| Noncurrent loans to loans | 10.4097% | 117 |
| Net loans and leases to total assets | 43.2269% | 5,797 |
| Net loans and leases to deposits | 59.4798% | 5,036 |
| Net loans and leases to core deposits | 62.1895% | 5,099 |
| Total domestic deposits to total assets | 72.6749% | 6,454 |
| Equity capital to assets | 10.0665% | 3,813 |
| Core capital (leverage) ratio | 10.2972% | 3,246 |
| Tier 1 risk-based capital ratio | 22.7495% | 1,187 |
| Total risk-based capital ratio | 24.0059% | 1,168 |
| Memoranda: | ||
| Average total assets | $533,717,250 | 1,259 |
| Average earning assets | $486,166,750 | 1,270 |
| Average equity | $53,478,500 | 1,340 |
| Average total loans | $233,015,000 | 1,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3230% | 6,050 |
| Cost of funding earning assets | 0.6367% | 2,621 |
| Net interest margin | 2.6864% | 6,200 |
| Noninterest income to average assets | 0.9027% | 1,803 |
| Noninterest expense to average assets | 2.3275% | 5,283 |
| Loan and lease loss provision to assets | 0.2349% | 1,584 |
| Net operating income to assets | 0.5727% | 4,432 |
| Return on assets (ROA) | 0.7072% | 3,942 |
| Pretax return on assets | 0.9677% | 3,647 |
| Return on Equity (ROE) | 7.0686% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.8044% | 4,529 |
| Net charge-offs to loans | -0.0657% | 6,362 |
| Credit loss provision to net charge-offs | -820.7792% | 6,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5657% | 3,914 |
| Assets per employee ($millions) | 4.7241% | 2,481 |
| Cash dividends to net income (ytd only)* | 60.3258% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 2,624 |
| Loan loss allowance to noncurrent loans | 15.1810% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 6.6221% | 366 |
| Noncurrent loans to loans | 11.4563% | 102 |
| Net loans and leases to total assets | 42.6664% | 5,852 |
| Net loans and leases to deposits | 60.9122% | 4,874 |
| Net loans and leases to core deposits | 63.8127% | 4,912 |
| Total domestic deposits to total assets | 70.0458% | 6,659 |
| Equity capital to assets | 9.8517% | 4,124 |
| Core capital (leverage) ratio | 10.0723% | 3,412 |
| Tier 1 risk-based capital ratio | 22.2268% | 1,249 |
| Total risk-based capital ratio | 23.4823% | 1,230 |
| Memoranda: | ||
| Average total assets | $538,166,000 | 1,247 |
| Average earning assets | $489,435,670 | 1,256 |
| Average equity | $53,843,670 | 1,337 |
| Average total loans | $234,306,330 | 1,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 6,137 |
| Cost of funding earning assets | 0.6624% | 2,545 |
| Net interest margin | 2.6489% | 6,297 |
| Noninterest income to average assets | 0.7696% | 2,256 |
| Noninterest expense to average assets | 2.3302% | 5,342 |
| Loan and lease loss provision to assets | 0.2245% | 1,641 |
| Net operating income to assets | 0.4654% | 4,849 |
| Return on assets (ROA) | 0.6134% | 4,310 |
| Pretax return on assets | 0.8119% | 4,128 |
| Return on Equity (ROE) | 6.0844% | 3,996 |
| Retained earnings to average equity (ytd only) | 0.5531% | 5,605 |
| Net charge-offs to loans | -0.1927% | 6,672 |
| Credit loss provision to net charge-offs | -267.2566% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4646% | 3,356 |
| Assets per employee ($millions) | 4.6372% | 2,747 |
| Cash dividends to net income (ytd only)* | 90.9091% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,305 |
| Loan loss allowance to noncurrent loans | 13.6150% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 7.3895% | 364 |
| Noncurrent loans to loans | 11.9188% | 138 |
| Net loans and leases to total assets | 43.2682% | 5,733 |
| Net loans and leases to deposits | 61.0659% | 4,676 |
| Net loans and leases to core deposits | 63.9797% | 4,741 |
| Total domestic deposits to total assets | 70.8549% | 6,718 |
| Equity capital to assets | 10.2090% | 3,893 |
| Core capital (leverage) ratio | 9.7729% | 3,694 |
| Tier 1 risk-based capital ratio | 22.4254% | 1,257 |
| Total risk-based capital ratio | 23.6798% | 1,236 |
| Memoranda: | ||
| Average total assets | $537,976,500 | 1,256 |
| Average earning assets | $487,902,500 | 1,271 |
| Average equity | $54,237,500 | 1,344 |
| Average total loans | $234,537,000 | 1,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 5,132 |
| Cost of funding earning assets | 0.7728% | 2,888 |
| Net interest margin | 3.2808% | 5,319 |
| Noninterest income to average assets | 0.7157% | 2,635 |
| Noninterest expense to average assets | 2.3499% | 5,564 |
| Loan and lease loss provision to assets | 0.3145% | 2,177 |
| Net operating income to assets | 0.7187% | 3,646 |
| Return on assets (ROA) | 0.8129% | 3,472 |
| Pretax return on assets | 1.1197% | 3,083 |
| Return on Equity (ROE) | 8.5126% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.1798% | 1,482 |
| Net charge-offs to loans | 0.3279% | 3,005 |
| Credit loss provision to net charge-offs | 222.1239% | 1,132 |
| Earnings coverage of net charge-offs (x) | 9.2174% | 2,289 |
| Efficiency ratio | 64.2913% | 4,833 |
| Assets per employee ($millions) | 4.9756% | 2,254 |
| Cash dividends to net income (ytd only)* | 15.6573% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 4,075 |
| Loan loss allowance to noncurrent loans | 11.2469% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 7.5548% | 395 |
| Noncurrent loans to loans | 12.6209% | 132 |
| Net loans and leases to total assets | 42.6100% | 5,940 |
| Net loans and leases to deposits | 62.5349% | 4,721 |
| Net loans and leases to core deposits | 65.4311% | 4,798 |
| Total domestic deposits to total assets | 68.1379% | 6,854 |
| Equity capital to assets | 9.9589% | 4,223 |
| Core capital (leverage) ratio | 9.3041% | 4,411 |
| Tier 1 risk-based capital ratio | 21.3136% | 1,396 |
| Total risk-based capital ratio | 22.5607% | 1,372 |
| Memoranda: | ||
| Average total assets | $558,612,200 | 1,193 |
| Average earning assets | $500,487,000 | 1,216 |
| Average equity | $53,344,200 | 1,334 |
| Average total loans | $241,200,000 | 1,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 5,502 |
| Cost of funding earning assets | 0.7954% | 2,987 |
| Net interest margin | 3.2102% | 5,676 |
| Noninterest income to average assets | 0.7953% | 2,263 |
| Noninterest expense to average assets | 2.2361% | 5,862 |
| Loan and lease loss provision to assets | 0.2287% | 2,771 |
| Net operating income to assets | 0.8464% | 3,229 |
| Return on assets (ROA) | 0.9544% | 2,948 |
| Pretax return on assets | 1.3477% | 2,419 |
| Return on Equity (ROE) | 10.1002% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.2357% | 1,146 |
| Net charge-offs to loans | 0.2899% | 2,986 |
| Credit loss provision to net charge-offs | 182.7324% | 1,523 |
| Earnings coverage of net charge-offs (x) | 11.3795% | 2,080 |
| Efficiency ratio | 61.0913% | 5,301 |
| Assets per employee ($millions) | 4.9229% | 2,293 |
| Cash dividends to net income (ytd only)* | 8.5594% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 5,365 |
| Loan loss allowance to noncurrent loans | 9.5495% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 7.1403% | 500 |
| Noncurrent loans to loans | 12.3738% | 157 |
| Net loans and leases to total assets | 42.1411% | 6,119 |
| Net loans and leases to deposits | 61.9752% | 4,971 |
| Net loans and leases to core deposits | 64.8365% | 5,068 |
| Total domestic deposits to total assets | 67.9968% | 6,924 |
| Equity capital to assets | 9.7901% | 4,798 |
| Core capital (leverage) ratio | 9.2115% | 4,742 |
| Tier 1 risk-based capital ratio | 20.9468% | 1,539 |
| Total risk-based capital ratio | 22.0855% | 1,532 |
| Memoranda: | ||
| Average total assets | $561,437,500 | 1,202 |
| Average earning assets | $501,053,000 | 1,226 |
| Average equity | $53,053,750 | 1,350 |
| Average total loans | $242,358,250 | 1,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 5,823 |
| Cost of funding earning assets | 0.8220% | 3,012 |
| Net interest margin | 3.1132% | 5,968 |
| Noninterest income to average assets | 0.7750% | 2,315 |
| Noninterest expense to average assets | 2.1731% | 6,076 |
| Loan and lease loss provision to assets | 0.2155% | 2,919 |
| Net operating income to assets | 0.8163% | 3,321 |
| Return on assets (ROA) | 0.9652% | 2,848 |
| Pretax return on assets | 1.3592% | 2,355 |
| Return on Equity (ROE) | 10.3388% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.0264% | 1,265 |
| Net charge-offs to loans | 0.4306% | 2,318 |
| Credit loss provision to net charge-offs | 115.4580% | 2,377 |
| Earnings coverage of net charge-offs (x) | 7.3130% | 2,503 |
| Efficiency ratio | 61.4215% | 5,345 |
| Assets per employee ($millions) | 5.1688% | 1,956 |
| Cash dividends to net income (ytd only)* | 12.6937% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 6,060 |
| Loan loss allowance to noncurrent loans | 8.3573% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 7.1436% | 543 |
| Noncurrent loans to loans | 12.2586% | 163 |
| Net loans and leases to total assets | 41.6424% | 6,210 |
| Net loans and leases to deposits | 63.5099% | 4,826 |
| Net loans and leases to core deposits | 66.5465% | 4,937 |
| Total domestic deposits to total assets | 65.5684% | 7,056 |
| Equity capital to assets | 9.3329% | 5,275 |
| Core capital (leverage) ratio | 8.9836% | 4,939 |
| Tier 1 risk-based capital ratio | 17.2529% | 2,564 |
| Total risk-based capital ratio | 18.0945% | 2,697 |
| Memoranda: | ||
| Average total assets | $561,512,670 | 1,199 |
| Average earning assets | $498,323,000 | 1,236 |
| Average equity | $52,424,000 | 1,358 |
| Average total loans | $243,368,000 | 1,700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 5,183 |
| Cost of funding earning assets | 0.8654% | 2,953 |
| Net interest margin | 3.3124% | 5,430 |
| Noninterest income to average assets | 0.8210% | 2,060 |
| Noninterest expense to average assets | 2.1527% | 6,150 |
| Loan and lease loss provision to assets | 0.2089% | 2,860 |
| Net operating income to assets | 0.9473% | 2,709 |
| Return on assets (ROA) | 1.1113% | 2,210 |
| Pretax return on assets | 1.6053% | 1,553 |
| Return on Equity (ROE) | 11.9006% | 1,701 |
| Retained earnings to average equity (ytd only) | 11.9006% | 834 |
| Net charge-offs to loans | 0.6761% | 1,459 |
| Credit loss provision to net charge-offs | 70.2179% | 2,907 |
| Earnings coverage of net charge-offs (x) | 5.3002% | 2,401 |
| Efficiency ratio | 57.7250% | 5,956 |
| Assets per employee ($millions) | 5.0581% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,450 |
| Loan loss allowance to noncurrent loans | 7.2622% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 7.7110% | 513 |
| Noncurrent loans to loans | 12.8985% | 167 |
| Net loans and leases to total assets | 42.7397% | 6,119 |
| Net loans and leases to deposits | 64.0569% | 4,629 |
| Net loans and leases to core deposits | 67.1654% | 4,779 |
| Total domestic deposits to total assets | 66.7215% | 7,091 |
| Equity capital to assets | 9.3008% | 5,093 |
| Core capital (leverage) ratio | 9.1139% | 4,664 |
| Tier 1 risk-based capital ratio | 16.6871% | 2,820 |
| Total risk-based capital ratio | 17.4462% | 3,030 |
| Memoranda: | ||
| Average total assets | $555,403,000 | 1,222 |
| Average earning assets | $487,616,500 | 1,269 |
| Average equity | $51,863,000 | 1,366 |
| Average total loans | $244,357,500 | 1,693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 6,377 |
| Cost of funding earning assets | 1.0461% | 3,052 |
| Net interest margin | 2.9970% | 6,536 |
| Noninterest income to average assets | 1.4378% | 631 |
| Noninterest expense to average assets | 2.3261% | 5,985 |
| Loan and lease loss provision to assets | 0.4208% | 2,491 |
| Net operating income to assets | 0.9486% | 2,421 |
| Return on assets (ROA) | 1.0014% | 2,334 |
| Pretax return on assets | 1.4230% | 1,704 |
| Return on Equity (ROE) | 10.7524% | 1,784 |
| Retained earnings to average equity (ytd only) | 9.1385% | 766 |
| Net charge-offs to loans | 1.2704% | 1,305 |
| Credit loss provision to net charge-offs | 68.4128% | 4,913 |
| Earnings coverage of net charge-offs (x) | 2.8748% | 3,771 |
| Efficiency ratio | 56.8116% | 6,212 |
| Assets per employee ($millions) | 4.9492% | 2,270 |
| Cash dividends to net income (ytd only)* | 15.0096% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,333 |
| Loan loss allowance to noncurrent loans | 7.8581% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 7.9010% | 519 |
| Noncurrent loans to loans | 12.3496% | 201 |
| Net loans and leases to total assets | 44.4323% | 6,169 |
| Net loans and leases to deposits | 65.5195% | 4,802 |
| Net loans and leases to core deposits | 68.8026% | 4,933 |
| Total domestic deposits to total assets | 67.8154% | 7,083 |
| Equity capital to assets | 9.3758% | 5,051 |
| Core capital (leverage) ratio | 8.7358% | 5,198 |
| Tier 1 risk-based capital ratio | 15.7608% | 3,180 |
| Total risk-based capital ratio | 16.5408% | 3,416 |
| Memoranda: | ||
| Average total assets | $518,283,000 | 1,293 |
| Average earning assets | $459,433,000 | 1,330 |
| Average equity | $48,268,400 | 1,413 |
| Average total loans | $250,939,000 | 1,670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 6,648 |
| Cost of funding earning assets | 1.0797% | 3,111 |
| Net interest margin | 2.8812% | 6,779 |
| Noninterest income to average assets | 2.1377% | 348 |
| Noninterest expense to average assets | 2.3474% | 5,908 |
| Loan and lease loss provision to assets | 0.7550% | 1,258 |
| Net operating income to assets | 1.1162% | 1,915 |
| Return on assets (ROA) | 1.1199% | 2,042 |
| Pretax return on assets | 1.6080% | 1,366 |
| Return on Equity (ROE) | 12.0467% | 1,540 |
| Retained earnings to average equity (ytd only) | 10.8246% | 659 |
| Net charge-offs to loans | 1.2304% | 1,260 |
| Credit loss provision to net charge-offs | 124.2906% | 2,588 |
| Earnings coverage of net charge-offs (x) | 3.8813% | 3,261 |
| Efficiency ratio | 49.8890% | 6,836 |
| Assets per employee ($millions) | 5.3304% | 1,772 |
| Cash dividends to net income (ytd only)* | 10.1447% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 3,616 |
| Loan loss allowance to noncurrent loans | 11.7560% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 7.9388% | 559 |
| Noncurrent loans to loans | 13.6900% | 176 |
| Net loans and leases to total assets | 43.2989% | 6,397 |
| Net loans and leases to deposits | 65.1886% | 5,027 |
| Net loans and leases to core deposits | 68.5781% | 5,109 |
| Total domestic deposits to total assets | 66.4209% | 7,190 |
| Equity capital to assets | 9.2739% | 5,418 |
| Core capital (leverage) ratio | 8.4458% | 5,781 |
| Tier 1 risk-based capital ratio | 15.6961% | 3,279 |
| Total risk-based capital ratio | 16.9467% | 3,240 |
| Memoranda: | ||
| Average total assets | $510,514,000 | 1,316 |
| Average earning assets | $454,944,500 | 1,348 |
| Average equity | $47,458,750 | 1,441 |
| Average total loans | $252,052,500 | 1,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 6,865 |
| Cost of funding earning assets | 1.0489% | 3,612 |
| Net interest margin | 2.7995% | 6,927 |
| Noninterest income to average assets | 1.7477% | 444 |
| Noninterest expense to average assets | 2.3998% | 5,845 |
| Loan and lease loss provision to assets | 0.6480% | 1,481 |
| Net operating income to assets | 0.8917% | 2,677 |
| Return on assets (ROA) | 0.9168% | 2,663 |
| Pretax return on assets | 1.2681% | 2,249 |
| Return on Equity (ROE) | 9.8528% | 2,170 |
| Retained earnings to average equity (ytd only) | 7.9606% | 1,474 |
| Net charge-offs to loans | 0.1236% | 4,485 |
| Credit loss provision to net charge-offs | 1,019.7452% | 328 |
| Earnings coverage of net charge-offs (x) | 29.6051% | 926 |
| Efficiency ratio | 56.0556% | 6,418 |
| Assets per employee ($millions) | 5.4147% | 1,645 |
| Cash dividends to net income (ytd only)* | 19.2053% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 3,222 |
| Loan loss allowance to noncurrent loans | 18.6312% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 6.4909% | 821 |
| Noncurrent loans to loans | 9.2877% | 443 |
| Net loans and leases to total assets | 46.1760% | 6,250 |
| Net loans and leases to deposits | 69.0234% | 4,562 |
| Net loans and leases to core deposits | 72.5538% | 4,751 |
| Total domestic deposits to total assets | 66.8991% | 7,235 |
| Equity capital to assets | 8.0506% | 6,644 |
| Core capital (leverage) ratio | 9.5494% | 3,883 |
| Tier 1 risk-based capital ratio | 14.2314% | 3,990 |
| Total risk-based capital ratio | 15.4847% | 3,964 |
| Memoranda: | ||
| Average total assets | $494,121,670 | 1,361 |
| Average earning assets | $447,145,330 | 1,369 |
| Average equity | $45,976,670 | 1,470 |
| Average total loans | $253,968,670 | 1,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 6,344 |
| Cost of funding earning assets | 1.1676% | 3,039 |
| Net interest margin | 3.0040% | 6,564 |
| Noninterest income to average assets | 0.6685% | 2,737 |
| Noninterest expense to average assets | 2.4034% | 5,877 |
| Loan and lease loss provision to assets | 0.2797% | 2,917 |
| Net operating income to assets | 0.5573% | 4,250 |
| Return on assets (ROA) | 0.6180% | 4,013 |
| Pretax return on assets | 0.7669% | 4,031 |
| Return on Equity (ROE) | 6.0903% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.0903% | 2,585 |
| Net charge-offs to loans | 0.2041% | 3,284 |
| Credit loss provision to net charge-offs | 252.0325% | 1,235 |
| Earnings coverage of net charge-offs (x) | 8.7561% | 1,792 |
| Efficiency ratio | 71.2109% | 4,010 |
| Assets per employee ($millions) | 4.6088% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 4,223 |
| Loan loss allowance to noncurrent loans | 18.4712% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 5.9689% | 975 |
| Noncurrent loans to loans | 8.1086% | 603 |
| Net loans and leases to total assets | 52.2163% | 5,548 |
| Net loans and leases to deposits | 78.6841% | 2,945 |
| Net loans and leases to core deposits | 83.4288% | 3,239 |
| Total domestic deposits to total assets | 66.3619% | 7,319 |
| Equity capital to assets | 10.0352% | 3,737 |
| Core capital (leverage) ratio | 10.1168% | 3,008 |
| Tier 1 risk-based capital ratio | 16.2543% | 2,781 |
| Total risk-based capital ratio | 17.5082% | 2,743 |
| Memoranda: | ||
| Average total assets | $443,372,000 | 1,510 |
| Average earning assets | $399,466,500 | 1,521 |
| Average equity | $44,989,500 | 1,489 |
| Average total loans | $241,014,500 | 1,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 6,639 |
| Cost of funding earning assets | 1.3913% | 3,331 |
| Net interest margin | 2.9955% | 6,739 |
| Noninterest income to average assets | 1.0394% | 1,387 |
| Noninterest expense to average assets | 2.3221% | 6,299 |
| Loan and lease loss provision to assets | 0.4781% | 3,267 |
| Net operating income to assets | 0.7174% | 3,160 |
| Return on assets (ROA) | 0.7208% | 3,269 |
| Pretax return on assets | 0.9269% | 3,166 |
| Return on Equity (ROE) | 7.3021% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.7912% | 1,943 |
| Net charge-offs to loans | 0.8300% | 2,557 |
| Credit loss provision to net charge-offs | 101.6541% | 4,457 |
| Earnings coverage of net charge-offs (x) | 2.9778% | 3,583 |
| Efficiency ratio | 62.3776% | 5,664 |
| Assets per employee ($millions) | 4.6286% | 2,652 |
| Cash dividends to net income (ytd only)* | 20.6907% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,501 |
| Loan loss allowance to noncurrent loans | 24.5841% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 3.9480% | 1,726 |
| Noncurrent loans to loans | 5.6990% | 1,126 |
| Net loans and leases to total assets | 54.9788% | 5,492 |
| Net loans and leases to deposits | 81.5862% | 2,887 |
| Net loans and leases to core deposits | 86.8661% | 3,203 |
| Total domestic deposits to total assets | 67.3874% | 7,348 |
| Equity capital to assets | 10.2633% | 3,432 |
| Core capital (leverage) ratio | 9.5346% | 3,666 |
| Tier 1 risk-based capital ratio | 15.7941% | 2,844 |
| Total risk-based capital ratio | 17.0164% | 2,822 |
| Memoranda: | ||
| Average total assets | $449,891,800 | 1,480 |
| Average earning assets | $403,003,200 | 1,510 |
| Average equity | $44,412,000 | 1,504 |
| Average total loans | $254,931,200 | 1,735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 6,834 |
| Cost of funding earning assets | 1.4025% | 3,570 |
| Net interest margin | 2.9844% | 6,864 |
| Noninterest income to average assets | 1.0867% | 1,206 |
| Noninterest expense to average assets | 2.2360% | 6,508 |
| Loan and lease loss provision to assets | 0.5294% | 2,817 |
| Net operating income to assets | 0.7565% | 3,192 |
| Return on assets (ROA) | 0.7607% | 3,332 |
| Pretax return on assets | 0.9976% | 3,195 |
| Return on Equity (ROE) | 7.7801% | 2,997 |
| Retained earnings to average equity (ytd only) | 6.7700% | 1,955 |
| Net charge-offs to loans | 0.8697% | 2,273 |
| Credit loss provision to net charge-offs | 107.0113% | 3,993 |
| Earnings coverage of net charge-offs (x) | 3.0755% | 3,594 |
| Efficiency ratio | 59.5087% | 6,028 |
| Assets per employee ($millions) | 4.5797% | 2,778 |
| Cash dividends to net income (ytd only)* | 12.9830% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 4,495 |
| Loan loss allowance to noncurrent loans | 20.1423% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 4.5120% | 1,500 |
| Noncurrent loans to loans | 6.9181% | 823 |
| Net loans and leases to total assets | 54.3455% | 5,798 |
| Net loans and leases to deposits | 83.7921% | 2,738 |
| Net loans and leases to core deposits | 88.7742% | 3,271 |
| Total domestic deposits to total assets | 64.8576% | 7,497 |
| Equity capital to assets | 10.2293% | 3,840 |
| Core capital (leverage) ratio | 9.3840% | 4,082 |
| Tier 1 risk-based capital ratio | 15.2367% | 3,133 |
| Total risk-based capital ratio | 16.4535% | 3,125 |
| Memoranda: | ||
| Average total assets | $453,593,250 | 1,483 |
| Average earning assets | $405,921,750 | 1,523 |
| Average equity | $44,351,500 | 1,512 |
| Average total loans | $258,013,000 | 1,739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 6,984 |
| Cost of funding earning assets | 1.4203% | 3,744 |
| Net interest margin | 2.9168% | 6,986 |
| Noninterest income to average assets | 0.7719% | 2,274 |
| Noninterest expense to average assets | 2.2166% | 6,609 |
| Loan and lease loss provision to assets | 0.6397% | 2,246 |
| Net operating income to assets | 0.4568% | 4,519 |
| Return on assets (ROA) | 0.4572% | 4,677 |
| Pretax return on assets | 0.5145% | 4,862 |
| Return on Equity (ROE) | 4.7486% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.2100% | 4,064 |
| Net charge-offs to loans | 1.2864% | 1,479 |
| Credit loss provision to net charge-offs | 86.5236% | 4,529 |
| Earnings coverage of net charge-offs (x) | 1.5605% | 4,318 |
| Efficiency ratio | 65.7685% | 5,023 |
| Assets per employee ($millions) | 4.6862% | 2,605 |
| Cash dividends to net income (ytd only)* | 32.4012% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,180 |
| Loan loss allowance to noncurrent loans | 17.4751% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 4.3502% | 1,531 |
| Noncurrent loans to loans | 7.1557% | 777 |
| Net loans and leases to total assets | 52.3567% | 6,175 |
| Net loans and leases to deposits | 85.8097% | 2,538 |
| Net loans and leases to core deposits | 91.0146% | 3,123 |
| Total domestic deposits to total assets | 61.0149% | 7,641 |
| Equity capital to assets | 9.3913% | 4,874 |
| Core capital (leverage) ratio | 9.0720% | 4,491 |
| Tier 1 risk-based capital ratio | 14.6216% | 3,369 |
| Total risk-based capital ratio | 15.7128% | 3,430 |
| Memoranda: | ||
| Average total assets | $453,659,330 | 1,508 |
| Average earning assets | $404,143,670 | 1,533 |
| Average equity | $43,675,670 | 1,522 |
| Average total loans | $260,723,330 | 1,749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 6,975 |
| Cost of funding earning assets | 1.4347% | 3,964 |
| Net interest margin | 2.9797% | 6,877 |
| Noninterest income to average assets | 0.7354% | 2,379 |
| Noninterest expense to average assets | 2.2170% | 6,641 |
| Loan and lease loss provision to assets | 0.7210% | 1,767 |
| Net operating income to assets | 0.3912% | 4,874 |
| Return on assets (ROA) | 0.3920% | 5,014 |
| Pretax return on assets | 0.4281% | 5,200 |
| Return on Equity (ROE) | 4.0195% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,741 |
| Net charge-offs to loans | 0.4503% | 2,700 |
| Credit loss provision to net charge-offs | 267.5585% | 1,476 |
| Earnings coverage of net charge-offs (x) | 4.2609% | 2,666 |
| Efficiency ratio | 65.8811% | 5,143 |
| Assets per employee ($millions) | 4.6526% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 4,098 |
| Loan loss allowance to noncurrent loans | 19.7810% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 4.6121% | 1,457 |
| Noncurrent loans to loans | 7.4091% | 776 |
| Net loans and leases to total assets | 56.4145% | 5,683 |
| Net loans and leases to deposits | 92.7136% | 1,510 |
| Net loans and leases to core deposits | 106.5059% | 1,535 |
| Total domestic deposits to total assets | 60.8482% | 7,744 |
| Equity capital to assets | 9.4433% | 4,625 |
| Core capital (leverage) ratio | 9.5786% | 3,670 |
| Tier 1 risk-based capital ratio | 13.7258% | 3,847 |
| Total risk-based capital ratio | 14.9791% | 3,798 |
| Memoranda: | ||
| Average total assets | $443,834,500 | 1,583 |
| Average earning assets | $391,721,500 | 1,619 |
| Average equity | $43,288,500 | 1,549 |
| Average total loans | $265,611,500 | 1,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 7,051 |
| Cost of funding earning assets | 1.5087% | 5,474 |
| Net interest margin | 3.2419% | 5,954 |
| Noninterest income to average assets | 0.8372% | 2,238 |
| Noninterest expense to average assets | 2.5650% | 5,910 |
| Loan and lease loss provision to assets | 0.3640% | 4,617 |
| Net operating income to assets | 0.6897% | 2,976 |
| Return on assets (ROA) | 0.7894% | 2,663 |
| Pretax return on assets | 0.9940% | 2,610 |
| Return on Equity (ROE) | 7.3125% | 2,660 |
| Retained earnings to average equity (ytd only) | 5.7002% | 1,472 |
| Net charge-offs to loans | 0.3014% | 4,749 |
| Credit loss provision to net charge-offs | 205.5233% | 1,875 |
| Earnings coverage of net charge-offs (x) | 6.9549% | 2,255 |
| Efficiency ratio | 67.5549% | 5,085 |
| Assets per employee ($millions) | 4.2283% | 3,383 |
| Cash dividends to net income (ytd only)* | 22.0483% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,001 |
| Loan loss allowance to noncurrent loans | 14.1345% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 5.8526% | 973 |
| Noncurrent loans to loans | 8.8970% | 520 |
| Net loans and leases to total assets | 61.8517% | 5,020 |
| Net loans and leases to deposits | 101.9318% | 756 |
| Net loans and leases to core deposits | 127.7678% | 1,404 |
| Total domestic deposits to total assets | 60.6795% | 7,787 |
| Equity capital to assets | 10.0876% | 3,638 |
| Core capital (leverage) ratio | 9.8643% | 3,250 |
| Tier 1 risk-based capital ratio | 13.5644% | 3,785 |
| Total risk-based capital ratio | 14.6680% | 3,820 |
| Memoranda: | ||
| Average total assets | $388,420,800 | 1,767 |
| Average earning assets | $354,609,000 | 1,765 |
| Average equity | $41,928,400 | 1,592 |
| Average total loans | $228,274,600 | 2,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 7,204 |
| Cost of funding earning assets | 1.4797% | 5,914 |
| Net interest margin | 3.2719% | 5,743 |
| Noninterest income to average assets | 0.8082% | 2,386 |
| Noninterest expense to average assets | 2.4880% | 6,109 |
| Loan and lease loss provision to assets | 0.2830% | 4,714 |
| Net operating income to assets | 0.8109% | 2,766 |
| Return on assets (ROA) | 0.8888% | 2,538 |
| Pretax return on assets | 1.1377% | 2,453 |
| Return on Equity (ROE) | 8.0849% | 2,601 |
| Retained earnings to average equity (ytd only) | 6.9962% | 1,510 |
| Net charge-offs to loans | 0.3265% | 4,003 |
| Credit loss provision to net charge-offs | 150.2804% | 3,192 |
| Earnings coverage of net charge-offs (x) | 7.0130% | 2,493 |
| Efficiency ratio | 65.3235% | 5,494 |
| Assets per employee ($millions) | 4.3074% | 3,198 |
| Cash dividends to net income (ytd only)* | 13.4653% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,833 |
| Loan loss allowance to noncurrent loans | 13.5077% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 4.9544% | 1,186 |
| Noncurrent loans to loans | 8.0039% | 608 |
| Net loans and leases to total assets | 60.5378% | 5,494 |
| Net loans and leases to deposits | 99.1216% | 1,201 |
| Net loans and leases to core deposits | 123.0496% | 1,991 |
| Total domestic deposits to total assets | 61.0743% | 7,848 |
| Equity capital to assets | 9.8951% | 4,217 |
| Core capital (leverage) ratio | 9.3334% | 4,134 |
| Tier 1 risk-based capital ratio | 13.6315% | 3,760 |
| Total risk-based capital ratio | 14.5947% | 3,908 |
| Memoranda: | ||
| Average total assets | $378,761,750 | 1,817 |
| Average earning assets | $347,354,750 | 1,811 |
| Average equity | $41,640,500 | 1,622 |
| Average total loans | $218,466,750 | 2,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 7,247 |
| Cost of funding earning assets | 1.4007% | 6,475 |
| Net interest margin | 3.3883% | 5,220 |
| Noninterest income to average assets | 0.8874% | 2,032 |
| Noninterest expense to average assets | 2.5005% | 6,123 |
| Loan and lease loss provision to assets | 0.1640% | 5,420 |
| Net operating income to assets | 1.0082% | 2,076 |
| Return on assets (ROA) | 1.1228% | 1,773 |
| Pretax return on assets | 1.4965% | 1,451 |
| Return on Equity (ROE) | 9.8125% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.1551% | 1,165 |
| Net charge-offs to loans | 0.4344% | 3,068 |
| Credit loss provision to net charge-offs | 67.1233% | 5,472 |
| Earnings coverage of net charge-offs (x) | 6.1712% | 2,673 |
| Efficiency ratio | 62.3852% | 6,186 |
| Assets per employee ($millions) | 4.1050% | 3,478 |
| Cash dividends to net income (ytd only)* | 16.8902% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 4,784 |
| Loan loss allowance to noncurrent loans | 57.5548% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 4,113 |
| Noncurrent loans to loans | 2.1282% | 3,339 |
| Net loans and leases to total assets | 53.8604% | 6,467 |
| Net loans and leases to deposits | 105.8748% | 772 |
| Net loans and leases to core deposits | 128.8964% | 1,661 |
| Total domestic deposits to total assets | 50.8718% | 8,053 |
| Equity capital to assets | 11.1259% | 2,813 |
| Core capital (leverage) ratio | 11.2600% | 2,220 |
| Tier 1 risk-based capital ratio | 17.2664% | 2,222 |
| Total risk-based capital ratio | 18.3267% | 2,226 |
| Memoranda: | ||
| Average total assets | $358,565,670 | 1,935 |
| Average earning assets | $330,256,670 | 1,913 |
| Average equity | $41,029,330 | 1,654 |
| Average total loans | $201,662,330 | 2,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 7,199 |
| Cost of funding earning assets | 1.4321% | 6,628 |
| Net interest margin | 3.4562% | 4,909 |
| Noninterest income to average assets | 0.8557% | 2,056 |
| Noninterest expense to average assets | 2.4496% | 6,027 |
| Loan and lease loss provision to assets | 0.0684% | 6,096 |
| Net operating income to assets | 1.1337% | 1,856 |
| Return on assets (ROA) | 1.2168% | 1,717 |
| Pretax return on assets | 1.6578% | 1,274 |
| Return on Equity (ROE) | 10.4800% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.4800% | 1,079 |
| Net charge-offs to loans | 0.7695% | 1,668 |
| Credit loss provision to net charge-offs | 15.5440% | 5,132 |
| Earnings coverage of net charge-offs (x) | 3.6658% | 3,105 |
| Efficiency ratio | 60.3086% | 6,353 |
| Assets per employee ($millions) | 3.8923% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,216 |
| Loan loss allowance to noncurrent loans | 42.5626% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9015% | 3,056 |
| Noncurrent loans to loans | 2.6689% | 2,460 |
| Net loans and leases to total assets | 56.8103% | 6,127 |
| Net loans and leases to deposits | 112.0216% | 522 |
| Net loans and leases to core deposits | 137.8141% | 1,213 |
| Total domestic deposits to total assets | 50.7137% | 8,095 |
| Equity capital to assets | 11.6856% | 2,457 |
| Core capital (leverage) ratio | 11.6463% | 2,070 |
| Tier 1 risk-based capital ratio | 17.0901% | 2,307 |
| Total risk-based capital ratio | 18.0772% | 2,326 |
| Memoranda: | ||
| Average total assets | $351,072,000 | 1,981 |
| Average earning assets | $325,673,500 | 1,942 |
| Average equity | $40,763,500 | 1,666 |
| Average total loans | $200,647,500 | 2,360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 6,583 |
| Cost of funding earning assets | 2.0782% | 6,138 |
| Net interest margin | 3.6760% | 4,572 |
| Noninterest income to average assets | 0.9971% | 1,590 |
| Noninterest expense to average assets | 2.6141% | 5,598 |
| Loan and lease loss provision to assets | 0.1746% | 5,155 |
| Net operating income to assets | 1.2116% | 1,740 |
| Return on assets (ROA) | 1.2204% | 1,655 |
| Pretax return on assets | 1.6306% | 1,310 |
| Return on Equity (ROE) | 10.4673% | 2,098 |
| Retained earnings to average equity (ytd only) | 6.1046% | 1,483 |
| Net charge-offs to loans | 0.1404% | 4,815 |
| Credit loss provision to net charge-offs | 223.1373% | 2,135 |
| Earnings coverage of net charge-offs (x) | 22.9255% | 1,442 |
| Efficiency ratio | 59.3095% | 6,472 |
| Assets per employee ($millions) | 3.8236% | 3,913 |
| Cash dividends to net income (ytd only)* | 41.6792% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 3,570 |
| Loan loss allowance to noncurrent loans | 67.9547% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 3,272 |
| Noncurrent loans to loans | 1.9630% | 2,808 |
| Net loans and leases to total assets | 56.0788% | 6,432 |
| Net loans and leases to deposits | 115.7827% | 534 |
| Net loans and leases to core deposits | 140.7943% | 1,221 |
| Total domestic deposits to total assets | 48.4345% | 8,138 |
| Equity capital to assets | 11.5354% | 2,615 |
| Core capital (leverage) ratio | 11.4055% | 2,308 |
| Tier 1 risk-based capital ratio | 16.9635% | 2,323 |
| Total risk-based capital ratio | 18.1121% | 2,297 |
| Memoranda: | ||
| Average total assets | $325,960,600 | 2,050 |
| Average earning assets | $302,422,000 | 2,022 |
| Average equity | $38,004,200 | 1,778 |
| Average total loans | $181,562,400 | 2,484 |