Home > First Arkansas Bank and Trust > Performance and Condition Ratios
First Arkansas Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 1,597 |
| Cost of funding earning assets | 1.7472% | 1,364 |
| Net interest margin | 3.4893% | 2,210 |
| Noninterest income to average assets | 4.0700% | 147 |
| Noninterest expense to average assets | 6.6347% | 152 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.2445% | 4,107 |
| Return on assets (ROA) | 0.2445% | 4,114 |
| Pretax return on assets | 0.2445% | 4,146 |
| Return on Equity (ROE) | 3.1400% | 4,000 |
| Retained earnings to average equity (ytd only) | -0.7648% | 4,168 |
| Net charge-offs to loans | 0.7390% | 136 |
| Credit loss provision to net charge-offs | 57.2422% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.0656% | 2,781 |
| Efficiency ratio | 92.5417% | 349 |
| Assets per employee ($millions) | 4.1459% | 4,107 |
| Cash dividends to net income (ytd only)* | 124.3883% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 700 |
| Loan loss allowance to noncurrent loans | 106.9277% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 404 |
| Noncurrent loans to loans | 1.5689% | 422 |
| Net loans and leases to total assets | 67.3000% | 2,119 |
| Net loans and leases to deposits | 80.6575% | 2,053 |
| Net loans and leases to core deposits | 83.8984% | 2,461 |
| Total domestic deposits to total assets | 83.4400% | 2,770 |
| Equity capital to assets | 7.8250% | 3,524 |
| Core capital (leverage) ratio | 9.8573% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,002,957,000 | 984 |
| Average earning assets | $891,144,400 | 1,011 |
| Average equity | $78,188,400 | 1,155 |
| Average total loans | $681,060,400 | 983 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 1,548 |
| Cost of funding earning assets | 1.5341% | 1,523 |
| Net interest margin | 3.6124% | 1,972 |
| Noninterest income to average assets | 4.2700% | 148 |
| Noninterest expense to average assets | 6.6140% | 158 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.5817% | 3,590 |
| Return on assets (ROA) | 0.5817% | 3,575 |
| Pretax return on assets | 0.5817% | 3,768 |
| Return on Equity (ROE) | 7.4700% | 3,318 |
| Retained earnings to average equity (ytd only) | 2.2250% | 3,679 |
| Net charge-offs to loans | 0.8314% | 108 |
| Credit loss provision to net charge-offs | 49.1086% | 1,900 |
| Earnings coverage of net charge-offs (x) | 1.5308% | 2,530 |
| Efficiency ratio | 88.4648% | 427 |
| Assets per employee ($millions) | 4.0043% | 4,168 |
| Cash dividends to net income (ytd only)* | 70.2118% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 680 |
| Loan loss allowance to noncurrent loans | 90.4138% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 288 |
| Noncurrent loans to loans | 1.8944% | 334 |
| Net loans and leases to total assets | 68.2800% | 2,015 |
| Net loans and leases to deposits | 85.3549% | 1,627 |
| Net loans and leases to core deposits | 88.8339% | 2,000 |
| Total domestic deposits to total assets | 80.0000% | 3,529 |
| Equity capital to assets | 6.5154% | 3,828 |
| Core capital (leverage) ratio | 10.2316% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $995,613,750 | 991 |
| Average earning assets | $883,444,750 | 1,020 |
| Average equity | $77,540,500 | 1,151 |
| Average total loans | $674,677,000 | 990 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 1,515 |
| Cost of funding earning assets | 1.3877% | 1,480 |
| Net interest margin | 3.6412% | 1,936 |
| Noninterest income to average assets | 4.5000% | 133 |
| Noninterest expense to average assets | 6.4856% | 162 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.0252% | 2,339 |
| Return on assets (ROA) | 1.0252% | 2,331 |
| Pretax return on assets | 1.0252% | 2,842 |
| Return on Equity (ROE) | 12.4800% | 2,017 |
| Retained earnings to average equity (ytd only) | 11.8704% | 1,008 |
| Net charge-offs to loans | 0.9012% | 96 |
| Credit loss provision to net charge-offs | 36.2429% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.0554% | 2,327 |
| Efficiency ratio | 83.8988% | 602 |
| Assets per employee ($millions) | 3.9511% | 4,200 |
| Cash dividends to net income (ytd only)* | 4.9010% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 645 |
| Loan loss allowance to noncurrent loans | 92.6764% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3730% | 272 |
| Noncurrent loans to loans | 1.9208% | 299 |
| Net loans and leases to total assets | 66.7000% | 2,086 |
| Net loans and leases to deposits | 81.2609% | 1,890 |
| Net loans and leases to core deposits | 83.5147% | 2,235 |
| Total domestic deposits to total assets | 82.0900% | 3,217 |
| Equity capital to assets | 8.1171% | 3,142 |
| Core capital (leverage) ratio | 10.5865% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $995,126,333 | 978 |
| Average earning assets | $882,891,000 | 1,016 |
| Average equity | $81,733,000 | 1,106 |
| Average total loans | $668,666,333 | 984 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 817 |
| Cost of funding earning assets | 0.4966% | 1,411 |
| Net interest margin | 3.9448% | 871 |
| Noninterest income to average assets | 4.2700% | 141 |
| Noninterest expense to average assets | 5.8134% | 174 |
| Loan and lease loss provision to assets | 0.4700% | 131 |
| Net operating income to assets | 1.4791% | 935 |
| Return on assets (ROA) | 1.4791% | 898 |
| Pretax return on assets | 1.4791% | 1,517 |
| Return on Equity (ROE) | 15.4500% | 1,153 |
| Retained earnings to average equity (ytd only) | 10.6523% | 969 |
| Net charge-offs to loans | 0.5010% | 146 |
| Credit loss provision to net charge-offs | 147.4401% | 1,314 |
| Earnings coverage of net charge-offs (x) | 6.1102% | 2,346 |
| Efficiency ratio | 74.8868% | 1,128 |
| Assets per employee ($millions) | 3.6766% | 4,393 |
| Cash dividends to net income (ytd only)* | 31.0359% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 440 |
| Loan loss allowance to noncurrent loans | 98.5468% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 241 |
| Noncurrent loans to loans | 2.0156% | 278 |
| Net loans and leases to total assets | 65.5500% | 2,083 |
| Net loans and leases to deposits | 79.8070% | 1,787 |
| Net loans and leases to core deposits | 80.7982% | 2,087 |
| Total domestic deposits to total assets | 82.1300% | 3,605 |
| Equity capital to assets | 8.1077% | 2,990 |
| Core capital (leverage) ratio | 10.5657% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $967,216,400 | 1,012 |
| Average earning assets | $856,286,800 | 1,051 |
| Average equity | $92,618,400 | 1,000 |
| Average total loans | $615,984,800 | 1,020 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 652 |
| Cost of funding earning assets | 0.3989% | 1,297 |
| Net interest margin | 3.9516% | 706 |
| Noninterest income to average assets | 4.3300% | 144 |
| Noninterest expense to average assets | 5.8877% | 171 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.7125% | 515 |
| Return on assets (ROA) | 1.7125% | 503 |
| Pretax return on assets | 1.7125% | 878 |
| Return on Equity (ROE) | 17.2100% | 760 |
| Retained earnings to average equity (ytd only) | 11.6419% | 879 |
| Net charge-offs to loans | 0.5655% | 112 |
| Credit loss provision to net charge-offs | 64.3553% | 1,475 |
| Earnings coverage of net charge-offs (x) | 5.4605% | 2,144 |
| Efficiency ratio | 75.2034% | 1,151 |
| Assets per employee ($millions) | 3.5912% | 4,462 |
| Cash dividends to net income (ytd only)* | 32.3494% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 857 |
| Loan loss allowance to noncurrent loans | 94.3026% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 327 |
| Noncurrent loans to loans | 1.8132% | 349 |
| Net loans and leases to total assets | 64.6800% | 2,015 |
| Net loans and leases to deposits | 73.8565% | 2,065 |
| Net loans and leases to core deposits | 74.6868% | 2,297 |
| Total domestic deposits to total assets | 87.5800% | 2,565 |
| Equity capital to assets | 7.5675% | 3,176 |
| Core capital (leverage) ratio | 10.6070% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $962,687,750 | 1,025 |
| Average earning assets | $851,754,250 | 1,061 |
| Average equity | $95,801,000 | 986 |
| Average total loans | $605,249,500 | 1,033 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 554 |
| Cost of funding earning assets | 0.3768% | 1,071 |
| Net interest margin | 3.8832% | 630 |
| Noninterest income to average assets | 4.3129% | 108 |
| Noninterest expense to average assets | 5.9034% | 132 |
| Loan and lease loss provision to assets | 0.1416% | 675 |
| Net operating income to assets | 1.7058% | 424 |
| Return on assets (ROA) | 1.7058% | 416 |
| Pretax return on assets | 1.7058% | 743 |
| Return on Equity (ROE) | 15.8915% | 719 |
| Retained earnings to average equity (ytd only) | 8.9503% | 1,301 |
| Net charge-offs to loans | 0.2454% | 261 |
| Credit loss provision to net charge-offs | 93.1880% | 1,331 |
| Earnings coverage of net charge-offs (x) | 12.1608% | 1,712 |
| Efficiency ratio | 76.1656% | 1,260 |
| Assets per employee ($millions) | 3.6894% | 4,495 |
| Cash dividends to net income (ytd only)* | 43.6787% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 698 |
| Loan loss allowance to noncurrent loans | 154.1556% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 655 |
| Noncurrent loans to loans | 1.2171% | 653 |
| Net loans and leases to total assets | 62.6191% | 2,052 |
| Net loans and leases to deposits | 71.5916% | 2,063 |
| Net loans and leases to core deposits | 72.4708% | 2,289 |
| Total domestic deposits to total assets | 87.4671% | 2,777 |
| Equity capital to assets | 8.9114% | 2,439 |
| Core capital (leverage) ratio | 10.2342% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,359,333 | 1,009 |
| Average earning assets | $855,540,000 | 1,058 |
| Average equity | $103,728,667 | 944 |
| Average total loans | $598,234,000 | 1,030 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 548 |
| Cost of funding earning assets | 0.3710% | 1,053 |
| Net interest margin | 3.8031% | 632 |
| Noninterest income to average assets | 4.8282% | 106 |
| Noninterest expense to average assets | 6.4974% | 108 |
| Loan and lease loss provision to assets | 0.1859% | 407 |
| Net operating income to assets | 1.5061% | 626 |
| Return on assets (ROA) | 1.5061% | 614 |
| Pretax return on assets | 1.5061% | 1,006 |
| Return on Equity (ROE) | 12.9324% | 1,052 |
| Retained earnings to average equity (ytd only) | 10.7995% | 819 |
| Net charge-offs to loans | 0.3104% | 207 |
| Credit loss provision to net charge-offs | 98.2495% | 1,051 |
| Earnings coverage of net charge-offs (x) | 8.9431% | 1,500 |
| Efficiency ratio | 79.3398% | 1,199 |
| Assets per employee ($millions) | 3.7608% | 4,486 |
| Cash dividends to net income (ytd only)* | 16.4926% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 685 |
| Loan loss allowance to noncurrent loans | 166.3087% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 774 |
| Noncurrent loans to loans | 1.1685% | 755 |
| Net loans and leases to total assets | 60.8737% | 1,973 |
| Net loans and leases to deposits | 71.8490% | 1,792 |
| Net loans and leases to core deposits | 72.9580% | 2,027 |
| Total domestic deposits to total assets | 84.7245% | 3,604 |
| Equity capital to assets | 10.6607% | 1,512 |
| Core capital (leverage) ratio | 10.4153% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,233,500 | 1,013 |
| Average earning assets | $853,942,000 | 1,067 |
| Average equity | $112,523,500 | 911 |
| Average total loans | $588,922,500 | 1,035 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 978 |
| Cost of funding earning assets | 0.4761% | 1,028 |
| Net interest margin | 3.7314% | 1,142 |
| Noninterest income to average assets | 3.9172% | 139 |
| Noninterest expense to average assets | 4.8901% | 184 |
| Loan and lease loss provision to assets | 0.1659% | 703 |
| Net operating income to assets | 2.1799% | 254 |
| Return on assets (ROA) | 2.2237% | 245 |
| Pretax return on assets | 2.2237% | 394 |
| Return on Equity (ROE) | 16.1323% | 732 |
| Retained earnings to average equity (ytd only) | -12.5341% | 4,786 |
| Net charge-offs to loans | 0.3484% | 244 |
| Credit loss provision to net charge-offs | 77.7444% | 1,972 |
| Earnings coverage of net charge-offs (x) | 10.9950% | 2,181 |
| Efficiency ratio | 67.5820% | 2,046 |
| Assets per employee ($millions) | 3.8633% | 4,466 |
| Cash dividends to net income (ytd only)* | 177.6955% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 601 |
| Loan loss allowance to noncurrent loans | 166.1046% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 869 |
| Noncurrent loans to loans | 1.2062% | 796 |
| Net loans and leases to total assets | 58.6299% | 2,312 |
| Net loans and leases to deposits | 70.7422% | 2,048 |
| Net loans and leases to core deposits | 72.1479% | 2,246 |
| Total domestic deposits to total assets | 82.8782% | 3,837 |
| Equity capital to assets | 12.6234% | 1,024 |
| Core capital (leverage) ratio | 10.0800% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $935,107,600 | 1,012 |
| Average earning assets | $831,674,800 | 1,050 |
| Average equity | $128,896,400 | 808 |
| Average total loans | $572,586,600 | 1,053 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 1,053 |
| Cost of funding earning assets | 0.4692% | 1,221 |
| Net interest margin | 3.7678% | 1,190 |
| Noninterest income to average assets | 4.1227% | 133 |
| Noninterest expense to average assets | 4.8264% | 188 |
| Loan and lease loss provision to assets | 0.1779% | 599 |
| Net operating income to assets | 2.4730% | 220 |
| Return on assets (ROA) | 2.4811% | 222 |
| Pretax return on assets | 2.4811% | 346 |
| Return on Equity (ROE) | 17.6114% | 676 |
| Retained earnings to average equity (ytd only) | -19.8792% | 4,884 |
| Net charge-offs to loans | 0.3883% | 197 |
| Credit loss provision to net charge-offs | 74.3682% | 1,738 |
| Earnings coverage of net charge-offs (x) | 11.0830% | 2,014 |
| Efficiency ratio | 64.5476% | 2,310 |
| Assets per employee ($millions) | 3.7027% | 4,575 |
| Cash dividends to net income (ytd only)* | 212.8770% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 590 |
| Loan loss allowance to noncurrent loans | 159.4139% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 891 |
| Noncurrent loans to loans | 1.2775% | 856 |
| Net loans and leases to total assets | 59.3140% | 2,338 |
| Net loans and leases to deposits | 73.9843% | 1,854 |
| Net loans and leases to core deposits | 75.3809% | 2,110 |
| Total domestic deposits to total assets | 80.1710% | 4,207 |
| Equity capital to assets | 12.5885% | 1,141 |
| Core capital (leverage) ratio | 10.0282% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $926,459,500 | 1,029 |
| Average earning assets | $824,866,500 | 1,069 |
| Average equity | $130,518,250 | 806 |
| Average total loans | $570,693,750 | 1,080 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 1,039 |
| Cost of funding earning assets | 0.4565% | 1,475 |
| Net interest margin | 3.8231% | 1,106 |
| Noninterest income to average assets | 4.1021% | 135 |
| Noninterest expense to average assets | 4.8395% | 188 |
| Loan and lease loss provision to assets | 0.2136% | 506 |
| Net operating income to assets | 2.4642% | 229 |
| Return on assets (ROA) | 2.4642% | 245 |
| Pretax return on assets | 2.4642% | 373 |
| Return on Equity (ROE) | 16.8774% | 802 |
| Retained earnings to average equity (ytd only) | -35.1297% | 4,926 |
| Net charge-offs to loans | 0.4944% | 166 |
| Credit loss provision to net charge-offs | 69.7163% | 1,524 |
| Earnings coverage of net charge-offs (x) | 8.7411% | 1,864 |
| Efficiency ratio | 64.3786% | 2,376 |
| Assets per employee ($millions) | 3.5710% | 4,637 |
| Cash dividends to net income (ytd only)* | 308.1467% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 521 |
| Loan loss allowance to noncurrent loans | 183.3806% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 1,176 |
| Noncurrent loans to loans | 1.1350% | 1,065 |
| Net loans and leases to total assets | 57.8748% | 2,684 |
| Net loans and leases to deposits | 72.5503% | 2,159 |
| Net loans and leases to core deposits | 73.8558% | 2,423 |
| Total domestic deposits to total assets | 79.7719% | 4,259 |
| Equity capital to assets | 12.3718% | 1,190 |
| Core capital (leverage) ratio | 9.4937% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $920,551,333 | 1,029 |
| Average earning assets | $822,322,333 | 1,065 |
| Average equity | $134,404,667 | 786 |
| Average total loans | $570,366,667 | 1,082 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 622 |
| Cost of funding earning assets | 0.4445% | 1,766 |
| Net interest margin | 4.1902% | 611 |
| Noninterest income to average assets | 3.5607% | 167 |
| Noninterest expense to average assets | 4.9476% | 178 |
| Loan and lease loss provision to assets | 0.2349% | 470 |
| Net operating income to assets | 2.1215% | 469 |
| Return on assets (ROA) | 2.1215% | 511 |
| Pretax return on assets | 2.1215% | 778 |
| Return on Equity (ROE) | 13.4592% | 1,554 |
| Retained earnings to average equity (ytd only) | 13.4592% | 823 |
| Net charge-offs to loans | 0.3827% | 218 |
| Credit loss provision to net charge-offs | 96.7332% | 1,154 |
| Earnings coverage of net charge-offs (x) | 9.7042% | 1,525 |
| Efficiency ratio | 67.7386% | 1,967 |
| Assets per employee ($millions) | 3.4278% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 503 |
| Loan loss allowance to noncurrent loans | 151.4961% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 990 |
| Noncurrent loans to loans | 1.3869% | 911 |
| Net loans and leases to total assets | 60.2193% | 2,520 |
| Net loans and leases to deposits | 78.5365% | 1,665 |
| Net loans and leases to core deposits | 79.9896% | 2,004 |
| Total domestic deposits to total assets | 76.6768% | 4,541 |
| Equity capital to assets | 15.4371% | 446 |
| Core capital (leverage) ratio | 13.5069% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $907,676,000 | 1,028 |
| Average earning assets | $810,839,500 | 1,065 |
| Average equity | $143,069,500 | 743 |
| Average total loans | $575,894,500 | 1,071 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,082 |
| Cost of funding earning assets | 0.4887% | 3,020 |
| Net interest margin | 4.1211% | 749 |
| Noninterest income to average assets | 3.7664% | 145 |
| Noninterest expense to average assets | 5.2683% | 172 |
| Loan and lease loss provision to assets | 0.4232% | 700 |
| Net operating income to assets | 1.7068% | 488 |
| Return on assets (ROA) | 1.7439% | 483 |
| Pretax return on assets | 1.7439% | 778 |
| Return on Equity (ROE) | 10.2309% | 1,918 |
| Retained earnings to average equity (ytd only) | 0.3193% | 4,421 |
| Net charge-offs to loans | 0.2961% | 585 |
| Credit loss provision to net charge-offs | 220.3914% | 2,068 |
| Earnings coverage of net charge-offs (x) | 11.0934% | 2,417 |
| Efficiency ratio | 70.7528% | 1,844 |
| Assets per employee ($millions) | 3.2463% | 4,742 |
| Cash dividends to net income (ytd only)* | 96.8791% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0869% | 497 |
| Loan loss allowance to noncurrent loans | 78.7215% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 355 |
| Noncurrent loans to loans | 2.6510% | 367 |
| Net loans and leases to total assets | 64.1241% | 2,342 |
| Net loans and leases to deposits | 84.7602% | 1,384 |
| Net loans and leases to core deposits | 86.3537% | 1,842 |
| Total domestic deposits to total assets | 75.6536% | 4,531 |
| Equity capital to assets | 16.1054% | 413 |
| Core capital (leverage) ratio | 13.4915% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $824,984,400 | 1,030 |
| Average earning assets | $727,060,000 | 1,066 |
| Average equity | $140,623,400 | 712 |
| Average total loans | $534,984,000 | 1,082 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,053 |
| Cost of funding earning assets | 0.5014% | 3,211 |
| Net interest margin | 4.2046% | 724 |
| Noninterest income to average assets | 3.9037% | 135 |
| Noninterest expense to average assets | 5.3266% | 165 |
| Loan and lease loss provision to assets | 0.5280% | 538 |
| Net operating income to assets | 1.7425% | 522 |
| Return on assets (ROA) | 1.7923% | 515 |
| Pretax return on assets | 1.7923% | 791 |
| Return on Equity (ROE) | 10.3591% | 1,884 |
| Retained earnings to average equity (ytd only) | 0.4887% | 4,387 |
| Net charge-offs to loans | 0.3370% | 462 |
| Credit loss provision to net charge-offs | 242.1887% | 1,952 |
| Earnings coverage of net charge-offs (x) | 10.4158% | 2,359 |
| Efficiency ratio | 69.6817% | 1,928 |
| Assets per employee ($millions) | 2.9700% | 4,847 |
| Cash dividends to net income (ytd only)* | 95.2822% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2053% | 350 |
| Loan loss allowance to noncurrent loans | 71.1333% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 316 |
| Noncurrent loans to loans | 3.1003% | 295 |
| Net loans and leases to total assets | 64.2290% | 2,742 |
| Net loans and leases to deposits | 86.5956% | 1,636 |
| Net loans and leases to core deposits | 88.0791% | 2,137 |
| Total domestic deposits to total assets | 74.1712% | 4,558 |
| Equity capital to assets | 16.9939% | 373 |
| Core capital (leverage) ratio | 13.7950% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $810,484,750 | 1,032 |
| Average earning assets | $711,900,750 | 1,073 |
| Average equity | $140,227,250 | 709 |
| Average total loans | $524,161,750 | 1,087 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 1,219 |
| Cost of funding earning assets | 0.5180% | 3,426 |
| Net interest margin | 4.2612% | 812 |
| Noninterest income to average assets | 3.3921% | 142 |
| Noninterest expense to average assets | 5.4127% | 162 |
| Loan and lease loss provision to assets | 0.6059% | 522 |
| Net operating income to assets | 1.1085% | 1,942 |
| Return on assets (ROA) | 1.1553% | 1,916 |
| Pretax return on assets | 1.1553% | 2,524 |
| Return on Equity (ROE) | 6.6365% | 3,274 |
| Retained earnings to average equity (ytd only) | -0.8208% | 4,448 |
| Net charge-offs to loans | 0.4071% | 390 |
| Credit loss provision to net charge-offs | 231.3688% | 1,804 |
| Earnings coverage of net charge-offs (x) | 6.5466% | 2,429 |
| Efficiency ratio | 75.4811% | 1,310 |
| Assets per employee ($millions) | 3.0813% | 4,833 |
| Cash dividends to net income (ytd only)* | 112.3680% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 366 |
| Loan loss allowance to noncurrent loans | 78.3267% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7519% | 472 |
| Noncurrent loans to loans | 2.7103% | 398 |
| Net loans and leases to total assets | 63.2654% | 2,962 |
| Net loans and leases to deposits | 84.7998% | 1,915 |
| Net loans and leases to core deposits | 86.1870% | 2,420 |
| Total domestic deposits to total assets | 74.6056% | 4,550 |
| Equity capital to assets | 16.7540% | 395 |
| Core capital (leverage) ratio | 13.7204% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,444,333 | 1,028 |
| Average earning assets | $704,219,667 | 1,067 |
| Average equity | $139,862,333 | 702 |
| Average total loans | $516,823,333 | 1,088 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 846 |
| Cost of funding earning assets | 0.5338% | 3,775 |
| Net interest margin | 4.5368% | 462 |
| Noninterest income to average assets | 4.1873% | 104 |
| Noninterest expense to average assets | 5.6118% | 171 |
| Loan and lease loss provision to assets | 1.1747% | 160 |
| Net operating income to assets | 1.3653% | 1,066 |
| Return on assets (ROA) | 1.3653% | 1,147 |
| Pretax return on assets | 1.3653% | 1,669 |
| Return on Equity (ROE) | 7.6884% | 2,640 |
| Retained earnings to average equity (ytd only) | -6.9965% | 4,647 |
| Net charge-offs to loans | 0.4188% | 351 |
| Credit loss provision to net charge-offs | 437.1917% | 951 |
| Earnings coverage of net charge-offs (x) | 9.4535% | 1,821 |
| Efficiency ratio | 68.4220% | 2,598 |
| Assets per employee ($millions) | 2.8548% | 4,850 |
| Cash dividends to net income (ytd only)* | 191.0007% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 288 |
| Loan loss allowance to noncurrent loans | 75.0865% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.0535% | 398 |
| Noncurrent loans to loans | 3.2027% | 313 |
| Net loans and leases to total assets | 62.1653% | 3,282 |
| Net loans and leases to deposits | 88.2374% | 1,731 |
| Net loans and leases to core deposits | 89.7599% | 2,369 |
| Total domestic deposits to total assets | 70.4522% | 4,838 |
| Equity capital to assets | 17.7995% | 371 |
| Core capital (leverage) ratio | 14.4813% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $784,566,000 | 1,021 |
| Average earning assets | $685,597,000 | 1,056 |
| Average equity | $139,326,000 | 694 |
| Average total loans | $503,369,000 | 1,093 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 1,207 |
| Cost of funding earning assets | 0.4550% | 4,255 |
| Net interest margin | 4.6490% | 523 |
| Noninterest income to average assets | 3.7873% | 116 |
| Noninterest expense to average assets | 5.8023% | 148 |
| Loan and lease loss provision to assets | 0.3914% | 371 |
| Net operating income to assets | 1.6472% | 743 |
| Return on assets (ROA) | 1.6575% | 778 |
| Pretax return on assets | 1.6575% | 1,314 |
| Return on Equity (ROE) | 8.4036% | 2,987 |
| Retained earnings to average equity (ytd only) | -9.5480% | 5,059 |
| Net charge-offs to loans | 0.3175% | 651 |
| Credit loss provision to net charge-offs | 191.8953% | 1,379 |
| Earnings coverage of net charge-offs (x) | 9.9943% | 2,609 |
| Efficiency ratio | 71.4132% | 1,957 |
| Assets per employee ($millions) | 2.9469% | 4,849 |
| Cash dividends to net income (ytd only)* | 213.6182% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 467 |
| Loan loss allowance to noncurrent loans | 63.7893% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0302% | 382 |
| Noncurrent loans to loans | 3.1214% | 289 |
| Net loans and leases to total assets | 63.3281% | 3,274 |
| Net loans and leases to deposits | 90.1760% | 1,567 |
| Net loans and leases to core deposits | 91.4274% | 2,287 |
| Total domestic deposits to total assets | 70.2273% | 4,923 |
| Equity capital to assets | 17.7178% | 393 |
| Core capital (leverage) ratio | 15.0825% | 667 |
| Tier 1 risk-based capital ratio | 18.3853% | 1,670 |
| Total risk-based capital ratio | 19.6406% | 1,633 |
| Memoranda: | ||
| Average total assets | $768,196,200 | 1,008 |
| Average earning assets | $669,820,800 | 1,033 |
| Average equity | $151,519,000 | 615 |
| Average total loans | $493,599,600 | 1,087 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 1,234 |
| Cost of funding earning assets | 0.4625% | 4,294 |
| Net interest margin | 4.6606% | 539 |
| Noninterest income to average assets | 3.7592% | 123 |
| Noninterest expense to average assets | 5.5623% | 157 |
| Loan and lease loss provision to assets | 0.4218% | 310 |
| Net operating income to assets | 1.8419% | 567 |
| Return on assets (ROA) | 1.8557% | 582 |
| Pretax return on assets | 1.8557% | 967 |
| Return on Equity (ROE) | 9.1672% | 2,817 |
| Retained earnings to average equity (ytd only) | 6.6200% | 2,045 |
| Net charge-offs to loans | 0.3536% | 482 |
| Credit loss provision to net charge-offs | 185.9014% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.9777% | 2,534 |
| Efficiency ratio | 68.4661% | 2,347 |
| Assets per employee ($millions) | 2.7274% | 4,999 |
| Cash dividends to net income (ytd only)* | 27.7857% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 462 |
| Loan loss allowance to noncurrent loans | 53.7193% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4463% | 286 |
| Noncurrent loans to loans | 3.7429% | 197 |
| Net loans and leases to total assets | 63.6793% | 3,320 |
| Net loans and leases to deposits | 91.0798% | 1,554 |
| Net loans and leases to core deposits | 92.0343% | 2,366 |
| Total domestic deposits to total assets | 69.9159% | 4,998 |
| Equity capital to assets | 21.5879% | 197 |
| Core capital (leverage) ratio | 18.2949% | 331 |
| Tier 1 risk-based capital ratio | 23.1031% | 938 |
| Total risk-based capital ratio | 24.3589% | 916 |
| Memoranda: | ||
| Average total assets | $762,801,000 | 1,015 |
| Average earning assets | $665,613,250 | 1,043 |
| Average equity | $154,416,000 | 607 |
| Average total loans | $489,421,500 | 1,099 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 1,042 |
| Cost of funding earning assets | 0.4870% | 4,176 |
| Net interest margin | 4.6839% | 506 |
| Noninterest income to average assets | 3.8045% | 121 |
| Noninterest expense to average assets | 5.7156% | 150 |
| Loan and lease loss provision to assets | 0.4934% | 239 |
| Net operating income to assets | 1.6858% | 745 |
| Return on assets (ROA) | 1.7065% | 747 |
| Pretax return on assets | 1.7065% | 1,257 |
| Return on Equity (ROE) | 8.6172% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.7285% | 2,900 |
| Net charge-offs to loans | 0.3481% | 482 |
| Credit loss provision to net charge-offs | 221.8310% | 1,127 |
| Earnings coverage of net charge-offs (x) | 9.7981% | 2,316 |
| Efficiency ratio | 69.8211% | 2,251 |
| Assets per employee ($millions) | 2.7410% | 5,043 |
| Cash dividends to net income (ytd only)* | 45.1277% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 470 |
| Loan loss allowance to noncurrent loans | 169.9878% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 1,833 |
| Noncurrent loans to loans | 1.1837% | 1,357 |
| Net loans and leases to total assets | 61.7045% | 3,581 |
| Net loans and leases to deposits | 85.2354% | 2,346 |
| Net loans and leases to core deposits | 86.0057% | 2,961 |
| Total domestic deposits to total assets | 72.3930% | 4,952 |
| Equity capital to assets | 20.3622% | 236 |
| Core capital (leverage) ratio | 17.1399% | 413 |
| Tier 1 risk-based capital ratio | 22.4822% | 998 |
| Total risk-based capital ratio | 23.7380% | 978 |
| Memoranda: | ||
| Average total assets | $766,146,670 | 1,010 |
| Average earning assets | $669,057,000 | 1,046 |
| Average equity | $151,719,330 | 612 |
| Average total loans | $489,498,330 | 1,101 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 1,198 |
| Cost of funding earning assets | 0.4412% | 4,326 |
| Net interest margin | 4.6160% | 592 |
| Noninterest income to average assets | 3.8743% | 113 |
| Noninterest expense to average assets | 5.6929% | 152 |
| Loan and lease loss provision to assets | 0.4345% | 258 |
| Net operating income to assets | 1.7725% | 618 |
| Return on assets (ROA) | 1.7725% | 637 |
| Pretax return on assets | 1.7725% | 1,042 |
| Return on Equity (ROE) | 9.0800% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.9905% | 2,910 |
| Net charge-offs to loans | 0.3237% | 469 |
| Credit loss provision to net charge-offs | 208.5427% | 1,026 |
| Earnings coverage of net charge-offs (x) | 10.5930% | 1,951 |
| Efficiency ratio | 69.4851% | 2,424 |
| Assets per employee ($millions) | 2.7796% | 5,080 |
| Cash dividends to net income (ytd only)* | 45.0384% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 632 |
| Loan loss allowance to noncurrent loans | 153.3166% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 1,779 |
| Noncurrent loans to loans | 1.2112% | 1,360 |
| Net loans and leases to total assets | 63.0591% | 3,396 |
| Net loans and leases to deposits | 91.6686% | 1,437 |
| Net loans and leases to core deposits | 92.2075% | 2,281 |
| Total domestic deposits to total assets | 68.7902% | 5,148 |
| Equity capital to assets | 19.9934% | 238 |
| Core capital (leverage) ratio | 17.0078% | 421 |
| Tier 1 risk-based capital ratio | 22.0816% | 1,045 |
| Total risk-based capital ratio | 23.3360% | 1,019 |
| Memoranda: | ||
| Average total assets | $764,111,000 | 1,010 |
| Average earning assets | $666,380,000 | 1,052 |
| Average equity | $149,162,500 | 618 |
| Average total loans | $491,738,500 | 1,098 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 1,693 |
| Cost of funding earning assets | 0.3073% | 4,538 |
| Net interest margin | 4.4369% | 866 |
| Noninterest income to average assets | 3.3098% | 138 |
| Noninterest expense to average assets | 5.2950% | 169 |
| Loan and lease loss provision to assets | 0.4203% | 311 |
| Net operating income to assets | 1.4701% | 1,204 |
| Return on assets (ROA) | 1.4817% | 1,152 |
| Pretax return on assets | 1.4817% | 1,836 |
| Return on Equity (ROE) | 7.9846% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.4722% | 1,940 |
| Net charge-offs to loans | 0.6954% | 230 |
| Credit loss provision to net charge-offs | 96.6387% | 2,616 |
| Earnings coverage of net charge-offs (x) | 4.3463% | 3,306 |
| Efficiency ratio | 70.8602% | 2,061 |
| Assets per employee ($millions) | 2.7181% | 5,132 |
| Cash dividends to net income (ytd only)* | 18.9411% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 711 |
| Loan loss allowance to noncurrent loans | 140.1414% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 1,677 |
| Noncurrent loans to loans | 1.2685% | 1,256 |
| Net loans and leases to total assets | 63.3114% | 3,427 |
| Net loans and leases to deposits | 86.6596% | 2,196 |
| Net loans and leases to core deposits | 87.2929% | 2,809 |
| Total domestic deposits to total assets | 73.0576% | 5,004 |
| Equity capital to assets | 19.0449% | 271 |
| Core capital (leverage) ratio | 16.8011% | 427 |
| Tier 1 risk-based capital ratio | 21.7709% | 1,060 |
| Total risk-based capital ratio | 23.0244% | 1,041 |
| Memoranda: | ||
| Average total assets | $766,061,000 | 982 |
| Average earning assets | $669,158,800 | 1,027 |
| Average equity | $142,161,200 | 610 |
| Average total loans | $479,125,000 | 1,089 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,801 |
| Cost of funding earning assets | 0.2930% | 4,569 |
| Net interest margin | 4.3653% | 979 |
| Noninterest income to average assets | 3.2143% | 151 |
| Noninterest expense to average assets | 5.2966% | 174 |
| Loan and lease loss provision to assets | 0.4570% | 263 |
| Net operating income to assets | 1.2765% | 1,945 |
| Return on assets (ROA) | 1.2919% | 1,891 |
| Pretax return on assets | 1.2919% | 2,657 |
| Return on Equity (ROE) | 7.0074% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.4033% | 3,007 |
| Net charge-offs to loans | 0.7399% | 189 |
| Credit loss provision to net charge-offs | 99.5081% | 2,305 |
| Earnings coverage of net charge-offs (x) | 3.7745% | 3,126 |
| Efficiency ratio | 72.4554% | 1,815 |
| Assets per employee ($millions) | 2.7329% | 5,195 |
| Cash dividends to net income (ytd only)* | 22.8918% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 672 |
| Loan loss allowance to noncurrent loans | 141.6867% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 1,741 |
| Noncurrent loans to loans | 1.2939% | 1,294 |
| Net loans and leases to total assets | 63.3017% | 3,509 |
| Net loans and leases to deposits | 84.4198% | 2,546 |
| Net loans and leases to core deposits | 85.1922% | 3,072 |
| Total domestic deposits to total assets | 74.9844% | 4,885 |
| Equity capital to assets | 18.7030% | 286 |
| Core capital (leverage) ratio | 16.0630% | 507 |
| Tier 1 risk-based capital ratio | 21.2285% | 1,151 |
| Total risk-based capital ratio | 22.4824% | 1,132 |
| Memoranda: | ||
| Average total assets | $767,310,000 | 980 |
| Average earning assets | $670,722,500 | 1,027 |
| Average equity | $141,465,500 | 611 |
| Average total loans | $476,265,750 | 1,092 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,984 |
| Cost of funding earning assets | 0.2899% | 4,497 |
| Net interest margin | 4.2451% | 1,176 |
| Noninterest income to average assets | 3.1788% | 151 |
| Noninterest expense to average assets | 5.3201% | 178 |
| Loan and lease loss provision to assets | 0.2058% | 821 |
| Net operating income to assets | 1.3663% | 1,547 |
| Return on assets (ROA) | 1.3892% | 1,475 |
| Pretax return on assets | 1.3892% | 2,187 |
| Return on Equity (ROE) | 7.5704% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.3361% | 2,393 |
| Net charge-offs to loans | 0.3244% | 492 |
| Credit loss provision to net charge-offs | 103.5065% | 1,967 |
| Earnings coverage of net charge-offs (x) | 7.9052% | 2,515 |
| Efficiency ratio | 74.2712% | 1,670 |
| Assets per employee ($millions) | 2.8284% | 5,207 |
| Cash dividends to net income (ytd only)* | 16.3041% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 659 |
| Loan loss allowance to noncurrent loans | 140.9033% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 1,880 |
| Noncurrent loans to loans | 1.3328% | 1,276 |
| Net loans and leases to total assets | 58.6651% | 3,930 |
| Net loans and leases to deposits | 77.2999% | 3,224 |
| Net loans and leases to core deposits | 77.9587% | 3,586 |
| Total domestic deposits to total assets | 75.8929% | 4,863 |
| Equity capital to assets | 18.0930% | 316 |
| Core capital (leverage) ratio | 15.9893% | 495 |
| Tier 1 risk-based capital ratio | 21.2153% | 1,139 |
| Total risk-based capital ratio | 22.4697% | 1,120 |
| Memoranda: | ||
| Average total assets | $774,382,000 | 978 |
| Average earning assets | $677,389,670 | 1,019 |
| Average equity | $142,106,670 | 602 |
| Average total loans | $474,651,000 | 1,101 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,758 |
| Cost of funding earning assets | 0.2926% | 4,403 |
| Net interest margin | 4.2429% | 1,069 |
| Noninterest income to average assets | 3.0863% | 157 |
| Noninterest expense to average assets | 5.4383% | 175 |
| Loan and lease loss provision to assets | 0.2060% | 794 |
| Net operating income to assets | 1.1478% | 2,228 |
| Return on assets (ROA) | 1.1942% | 2,045 |
| Pretax return on assets | 1.1942% | 2,775 |
| Return on Equity (ROE) | 6.4611% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.2507% | 3,059 |
| Net charge-offs to loans | 0.2974% | 514 |
| Credit loss provision to net charge-offs | 111.5819% | 1,442 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,096 |
| Efficiency ratio | 77.0808% | 1,449 |
| Assets per employee ($millions) | 2.7532% | 5,309 |
| Cash dividends to net income (ytd only)* | 18.7336% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 686 |
| Loan loss allowance to noncurrent loans | 127.0255% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 1,708 |
| Noncurrent loans to loans | 1.4796% | 1,196 |
| Net loans and leases to total assets | 60.9688% | 3,652 |
| Net loans and leases to deposits | 82.0275% | 2,590 |
| Net loans and leases to core deposits | 89.0433% | 2,532 |
| Total domestic deposits to total assets | 74.3274% | 5,118 |
| Equity capital to assets | 18.3782% | 288 |
| Core capital (leverage) ratio | 15.6977% | 537 |
| Tier 1 risk-based capital ratio | 20.8907% | 1,216 |
| Total risk-based capital ratio | 22.1451% | 1,190 |
| Memoranda: | ||
| Average total assets | $767,009,500 | 989 |
| Average earning assets | $669,925,500 | 1,040 |
| Average equity | $141,771,500 | 605 |
| Average total loans | $476,075,500 | 1,105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 1,658 |
| Cost of funding earning assets | 0.2463% | 4,600 |
| Net interest margin | 4.2710% | 1,031 |
| Noninterest income to average assets | 3.2403% | 165 |
| Noninterest expense to average assets | 5.1935% | 200 |
| Loan and lease loss provision to assets | 0.1983% | 1,047 |
| Net operating income to assets | 1.5641% | 698 |
| Return on assets (ROA) | 1.6254% | 638 |
| Pretax return on assets | 1.6254% | 1,224 |
| Return on Equity (ROE) | 8.8220% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.8201% | 822 |
| Net charge-offs to loans | 0.7854% | 258 |
| Credit loss provision to net charge-offs | 40.9689% | 3,432 |
| Earnings coverage of net charge-offs (x) | 3.6416% | 3,578 |
| Efficiency ratio | 71.3239% | 2,331 |
| Assets per employee ($millions) | 2.8672% | 5,282 |
| Cash dividends to net income (ytd only)* | 11.3566% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 724 |
| Loan loss allowance to noncurrent loans | 166.0026% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 2,226 |
| Noncurrent loans to loans | 1.1086% | 1,594 |
| Net loans and leases to total assets | 60.8617% | 3,746 |
| Net loans and leases to deposits | 81.9793% | 2,718 |
| Net loans and leases to core deposits | 88.5630% | 2,683 |
| Total domestic deposits to total assets | 74.2403% | 5,158 |
| Equity capital to assets | 18.5872% | 272 |
| Core capital (leverage) ratio | 15.5983% | 525 |
| Tier 1 risk-based capital ratio | 20.4449% | 1,239 |
| Total risk-based capital ratio | 21.6992% | 1,210 |
| Memoranda: | ||
| Average total assets | $737,857,600 | 998 |
| Average earning assets | $641,913,800 | 1,046 |
| Average equity | $135,944,200 | 603 |
| Average total loans | $454,689,400 | 1,116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,589 |
| Cost of funding earning assets | 0.2342% | 4,713 |
| Net interest margin | 4.2850% | 961 |
| Noninterest income to average assets | 3.2572% | 173 |
| Noninterest expense to average assets | 5.1860% | 201 |
| Loan and lease loss provision to assets | 0.1720% | 1,171 |
| Net operating income to assets | 1.6211% | 683 |
| Return on assets (ROA) | 1.6908% | 602 |
| Pretax return on assets | 1.6908% | 1,148 |
| Return on Equity (ROE) | 9.1987% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.2641% | 1,104 |
| Net charge-offs to loans | 0.9614% | 185 |
| Credit loss provision to net charge-offs | 29.0752% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.0315% | 3,388 |
| Efficiency ratio | 70.8399% | 2,392 |
| Assets per employee ($millions) | 2.8841% | 5,332 |
| Cash dividends to net income (ytd only)* | 10.1601% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 723 |
| Loan loss allowance to noncurrent loans | 172.0653% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,467 |
| Noncurrent loans to loans | 1.0954% | 1,757 |
| Net loans and leases to total assets | 60.0364% | 3,856 |
| Net loans and leases to deposits | 81.3741% | 2,842 |
| Net loans and leases to core deposits | 89.0514% | 2,685 |
| Total domestic deposits to total assets | 73.7783% | 5,255 |
| Equity capital to assets | 18.6089% | 292 |
| Core capital (leverage) ratio | 15.6733% | 541 |
| Tier 1 risk-based capital ratio | 20.7492% | 1,241 |
| Total risk-based capital ratio | 22.0038% | 1,210 |
| Memoranda: | ||
| Average total assets | $728,786,000 | 1,013 |
| Average earning assets | $633,017,000 | 1,067 |
| Average equity | $133,957,250 | 616 |
| Average total loans | $448,364,250 | 1,138 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,581 |
| Cost of funding earning assets | 0.2276% | 4,741 |
| Net interest margin | 4.2500% | 975 |
| Noninterest income to average assets | 3.3127% | 173 |
| Noninterest expense to average assets | 5.2990% | 192 |
| Loan and lease loss provision to assets | 0.1926% | 968 |
| Net operating income to assets | 1.5102% | 845 |
| Return on assets (ROA) | 1.6003% | 729 |
| Pretax return on assets | 1.6003% | 1,342 |
| Return on Equity (ROE) | 8.7437% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.9639% | 1,181 |
| Net charge-offs to loans | 1.2431% | 154 |
| Credit loss provision to net charge-offs | 25.1356% | 2,753 |
| Earnings coverage of net charge-offs (x) | 2.2224% | 3,188 |
| Efficiency ratio | 72.1862% | 2,304 |
| Assets per employee ($millions) | 2.9311% | 5,330 |
| Cash dividends to net income (ytd only)* | 8.9177% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 605 |
| Loan loss allowance to noncurrent loans | 171.5529% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 2,491 |
| Noncurrent loans to loans | 1.1638% | 1,682 |
| Net loans and leases to total assets | 58.0310% | 4,030 |
| Net loans and leases to deposits | 77.2397% | 3,195 |
| Net loans and leases to core deposits | 87.1840% | 2,784 |
| Total domestic deposits to total assets | 75.1311% | 5,186 |
| Equity capital to assets | 18.3212% | 302 |
| Core capital (leverage) ratio | 15.2079% | 596 |
| Tier 1 risk-based capital ratio | 20.6858% | 1,247 |
| Total risk-based capital ratio | 21.9413% | 1,217 |
| Memoranda: | ||
| Average total assets | $721,759,000 | 1,029 |
| Average earning assets | $626,495,670 | 1,076 |
| Average equity | $132,095,670 | 626 |
| Average total loans | $444,872,000 | 1,148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,206 |
| Cost of funding earning assets | 0.2066% | 4,916 |
| Net interest margin | 4.3655% | 681 |
| Noninterest income to average assets | 3.3930% | 179 |
| Noninterest expense to average assets | 5.3815% | 197 |
| Loan and lease loss provision to assets | 0.1917% | 873 |
| Net operating income to assets | 1.5944% | 684 |
| Return on assets (ROA) | 1.6120% | 679 |
| Pretax return on assets | 1.6120% | 1,203 |
| Return on Equity (ROE) | 8.8125% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.0089% | 1,456 |
| Net charge-offs to loans | 1.2751% | 135 |
| Credit loss provision to net charge-offs | 23.8901% | 2,152 |
| Earnings coverage of net charge-offs (x) | 2.2262% | 2,619 |
| Efficiency ratio | 71.6021% | 2,650 |
| Assets per employee ($millions) | 2.7489% | 5,511 |
| Cash dividends to net income (ytd only)* | 9.1196% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 474 |
| Loan loss allowance to noncurrent loans | 119.2238% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 1,520 |
| Noncurrent loans to loans | 1.8484% | 1,002 |
| Net loans and leases to total assets | 61.4639% | 3,605 |
| Net loans and leases to deposits | 82.7353% | 2,427 |
| Net loans and leases to core deposits | 88.4294% | 2,506 |
| Total domestic deposits to total assets | 74.2899% | 5,396 |
| Equity capital to assets | 18.3339% | 284 |
| Core capital (leverage) ratio | 15.4956% | 526 |
| Tier 1 risk-based capital ratio | 20.0982% | 1,370 |
| Total risk-based capital ratio | 21.3561% | 1,340 |
| Memoranda: | ||
| Average total assets | $707,461,500 | 1,043 |
| Average earning assets | $611,700,500 | 1,108 |
| Average equity | $129,406,500 | 631 |
| Average total loans | $445,153,500 | 1,144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 1,800 |
| Cost of funding earning assets | 0.2147% | 4,886 |
| Net interest margin | 4.1922% | 1,143 |
| Noninterest income to average assets | 3.2713% | 178 |
| Noninterest expense to average assets | 5.4626% | 211 |
| Loan and lease loss provision to assets | 0.7047% | 171 |
| Net operating income to assets | 0.7209% | 3,685 |
| Return on assets (ROA) | 0.8030% | 3,394 |
| Pretax return on assets | 0.8030% | 4,182 |
| Return on Equity (ROE) | 4.2629% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.8294% | 4,488 |
| Net charge-offs to loans | 2.2936% | 57 |
| Credit loss provision to net charge-offs | 50.2120% | 3,373 |
| Earnings coverage of net charge-offs (x) | 1.0158% | 4,051 |
| Efficiency ratio | 75.6650% | 2,035 |
| Assets per employee ($millions) | 2.7352% | 5,537 |
| Cash dividends to net income (ytd only)* | 57.0849% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4706% | 324 |
| Loan loss allowance to noncurrent loans | 110.0372% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 1,193 |
| Noncurrent loans to loans | 2.2453% | 752 |
| Net loans and leases to total assets | 61.4409% | 3,665 |
| Net loans and leases to deposits | 80.7330% | 2,810 |
| Net loans and leases to core deposits | 89.4984% | 2,551 |
| Total domestic deposits to total assets | 76.1037% | 5,231 |
| Equity capital to assets | 18.2489% | 287 |
| Core capital (leverage) ratio | 14.9322% | 610 |
| Tier 1 risk-based capital ratio | 19.9332% | 1,389 |
| Total risk-based capital ratio | 21.1941% | 1,352 |
| Memoranda: | ||
| Average total assets | $705,685,600 | 1,015 |
| Average earning assets | $608,838,200 | 1,073 |
| Average equity | $132,938,000 | 601 |
| Average total loans | $431,815,200 | 1,134 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 1,983 |
| Cost of funding earning assets | 0.2116% | 4,959 |
| Net interest margin | 4.1445% | 1,270 |
| Noninterest income to average assets | 3.2162% | 188 |
| Noninterest expense to average assets | 5.4952% | 208 |
| Loan and lease loss provision to assets | 0.3701% | 417 |
| Net operating income to assets | 0.9260% | 2,779 |
| Return on assets (ROA) | 1.0521% | 2,317 |
| Pretax return on assets | 1.0521% | 3,421 |
| Return on Equity (ROE) | 5.5419% | 4,294 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,391 |
| Net charge-offs to loans | 0.1501% | 1,495 |
| Credit loss provision to net charge-offs | 406.0041% | 831 |
| Earnings coverage of net charge-offs (x) | 14.2175% | 2,253 |
| Efficiency ratio | 77.2290% | 1,803 |
| Assets per employee ($millions) | 2.8443% | 5,510 |
| Cash dividends to net income (ytd only)* | 54.0007% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8393% | 87 |
| Loan loss allowance to noncurrent loans | 83.4777% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.9216% | 403 |
| Noncurrent loans to loans | 4.5991% | 206 |
| Net loans and leases to total assets | 59.6817% | 3,919 |
| Net loans and leases to deposits | 84.0879% | 2,474 |
| Net loans and leases to core deposits | 88.2549% | 2,734 |
| Total domestic deposits to total assets | 70.9754% | 5,644 |
| Equity capital to assets | 18.6808% | 288 |
| Core capital (leverage) ratio | 15.0615% | 617 |
| Tier 1 risk-based capital ratio | 19.3028% | 1,603 |
| Total risk-based capital ratio | 20.5778% | 1,553 |
| Memoranda: | ||
| Average total assets | $706,367,250 | 1,018 |
| Average earning assets | $609,337,500 | 1,078 |
| Average equity | $134,102,000 | 596 |
| Average total loans | $429,057,750 | 1,141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 1,969 |
| Cost of funding earning assets | 0.2074% | 5,077 |
| Net interest margin | 4.1477% | 1,238 |
| Noninterest income to average assets | 3.2149% | 186 |
| Noninterest expense to average assets | 5.6497% | 199 |
| Loan and lease loss provision to assets | 0.4703% | 291 |
| Net operating income to assets | 0.6763% | 3,922 |
| Return on assets (ROA) | 0.8142% | 3,379 |
| Pretax return on assets | 0.8142% | 4,231 |
| Return on Equity (ROE) | 4.2649% | 4,813 |
| Retained earnings to average equity (ytd only) | 1.9271% | 4,592 |
| Net charge-offs to loans | 0.0778% | 2,080 |
| Credit loss provision to net charge-offs | 1,002.4390% | 372 |
| Earnings coverage of net charge-offs (x) | 24.4390% | 1,547 |
| Efficiency ratio | 79.4082% | 1,576 |
| Assets per employee ($millions) | 2.7752% | 5,626 |
| Cash dividends to net income (ytd only)* | 54.8138% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0614% | 71 |
| Loan loss allowance to noncurrent loans | 83.1831% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.9817% | 411 |
| Noncurrent loans to loans | 4.8825% | 183 |
| Net loans and leases to total assets | 57.2471% | 4,193 |
| Net loans and leases to deposits | 75.0568% | 3,474 |
| Net loans and leases to core deposits | 84.0893% | 3,074 |
| Total domestic deposits to total assets | 76.2717% | 5,254 |
| Equity capital to assets | 18.8826% | 270 |
| Core capital (leverage) ratio | 15.2627% | 561 |
| Tier 1 risk-based capital ratio | 20.2568% | 1,397 |
| Total risk-based capital ratio | 21.5345% | 1,365 |
| Memoranda: | ||
| Average total assets | $699,112,670 | 1,031 |
| Average earning assets | $603,653,000 | 1,083 |
| Average equity | $133,462,330 | 600 |
| Average total loans | $421,440,000 | 1,157 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 1,462 |
| Cost of funding earning assets | 0.2120% | 5,085 |
| Net interest margin | 4.3052% | 921 |
| Noninterest income to average assets | 3.1593% | 188 |
| Noninterest expense to average assets | 5.7429% | 190 |
| Loan and lease loss provision to assets | 0.4135% | 327 |
| Net operating income to assets | 0.7083% | 3,674 |
| Return on assets (ROA) | 0.9695% | 2,527 |
| Pretax return on assets | 0.9695% | 3,579 |
| Return on Equity (ROE) | 5.0500% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.2746% | 4,351 |
| Net charge-offs to loans | 0.0201% | 2,535 |
| Credit loss provision to net charge-offs | 3,400.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 92.2381% | 568 |
| Efficiency ratio | 79.9291% | 1,615 |
| Assets per employee ($millions) | 2.5305% | 5,831 |
| Cash dividends to net income (ytd only)* | 54.9582% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0061% | 90 |
| Loan loss allowance to noncurrent loans | 78.1110% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 3.3249% | 358 |
| Noncurrent loans to loans | 5.1287% | 183 |
| Net loans and leases to total assets | 59.1927% | 3,897 |
| Net loans and leases to deposits | 75.2086% | 3,305 |
| Net loans and leases to core deposits | 80.9134% | 3,243 |
| Total domestic deposits to total assets | 78.7047% | 5,029 |
| Equity capital to assets | 19.8596% | 219 |
| Core capital (leverage) ratio | 15.3587% | 549 |
| Tier 1 risk-based capital ratio | 20.5588% | 1,393 |
| Total risk-based capital ratio | 21.8354% | 1,366 |
| Memoranda: | ||
| Average total assets | $690,667,500 | 1,036 |
| Average earning assets | $594,438,500 | 1,094 |
| Average equity | $132,593,500 | 601 |
| Average total loans | $418,538,500 | 1,160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,538 |
| Cost of funding earning assets | 0.2408% | 4,882 |
| Net interest margin | 4.2784% | 1,002 |
| Noninterest income to average assets | 3.2324% | 188 |
| Noninterest expense to average assets | 5.2199% | 241 |
| Loan and lease loss provision to assets | 0.8150% | 118 |
| Net operating income to assets | 0.8702% | 3,016 |
| Return on assets (ROA) | 0.9182% | 2,858 |
| Pretax return on assets | 0.9182% | 3,775 |
| Return on Equity (ROE) | 4.7618% | 4,626 |
| Retained earnings to average equity (ytd only) | 0.0843% | 5,470 |
| Net charge-offs to loans | 0.4861% | 550 |
| Credit loss provision to net charge-offs | 278.7682% | 1,046 |
| Earnings coverage of net charge-offs (x) | 5.7641% | 3,331 |
| Efficiency ratio | 71.6815% | 2,954 |
| Assets per employee ($millions) | 2.9250% | 5,589 |
| Cash dividends to net income (ytd only)* | 98.2302% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7471% | 103 |
| Loan loss allowance to noncurrent loans | 78.9141% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9830% | 438 |
| Noncurrent loans to loans | 4.7483% | 214 |
| Net loans and leases to total assets | 57.3624% | 4,162 |
| Net loans and leases to deposits | 71.8437% | 3,732 |
| Net loans and leases to core deposits | 81.5181% | 3,200 |
| Total domestic deposits to total assets | 79.8432% | 4,781 |
| Equity capital to assets | 18.5735% | 271 |
| Core capital (leverage) ratio | 15.1901% | 582 |
| Tier 1 risk-based capital ratio | 19.8733% | 1,503 |
| Total risk-based capital ratio | 21.1467% | 1,471 |
| Memoranda: | ||
| Average total assets | $683,077,400 | 1,007 |
| Average earning assets | $586,366,200 | 1,067 |
| Average equity | $131,714,400 | 578 |
| Average total loans | $410,781,600 | 1,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 1,446 |
| Cost of funding earning assets | 0.2459% | 4,923 |
| Net interest margin | 4.3062% | 946 |
| Noninterest income to average assets | 3.2493% | 193 |
| Noninterest expense to average assets | 5.2497% | 237 |
| Loan and lease loss provision to assets | 0.7864% | 92 |
| Net operating income to assets | 0.9077% | 2,928 |
| Return on assets (ROA) | 0.9656% | 2,729 |
| Pretax return on assets | 0.9656% | 3,760 |
| Return on Equity (ROE) | 4.9599% | 4,645 |
| Retained earnings to average equity (ytd only) | -0.1195% | 5,622 |
| Net charge-offs to loans | 0.5349% | 434 |
| Credit loss provision to net charge-offs | 243.9144% | 1,158 |
| Earnings coverage of net charge-offs (x) | 5.2544% | 3,229 |
| Efficiency ratio | 71.6647% | 2,936 |
| Assets per employee ($millions) | 2.7595% | 5,793 |
| Cash dividends to net income (ytd only)* | 102.4096% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4804% | 155 |
| Loan loss allowance to noncurrent loans | 75.2194% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.0305% | 495 |
| Noncurrent loans to loans | 4.6270% | 235 |
| Net loans and leases to total assets | 59.8691% | 3,897 |
| Net loans and leases to deposits | 76.6645% | 3,229 |
| Net loans and leases to core deposits | 84.7667% | 2,963 |
| Total domestic deposits to total assets | 78.0923% | 5,163 |
| Equity capital to assets | 19.2464% | 267 |
| Core capital (leverage) ratio | 15.3065% | 586 |
| Tier 1 risk-based capital ratio | 20.1417% | 1,506 |
| Total risk-based capital ratio | 21.4127% | 1,477 |
| Memoranda: | ||
| Average total assets | $676,155,750 | 1,024 |
| Average earning assets | $580,115,750 | 1,082 |
| Average equity | $131,639,500 | 584 |
| Average total loans | $407,581,250 | 1,129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 1,451 |
| Cost of funding earning assets | 0.2484% | 4,960 |
| Net interest margin | 4.2823% | 958 |
| Noninterest income to average assets | 3.1914% | 201 |
| Noninterest expense to average assets | 5.2904% | 239 |
| Loan and lease loss provision to assets | 0.9042% | 83 |
| Net operating income to assets | 0.6673% | 4,044 |
| Return on assets (ROA) | 0.7535% | 3,725 |
| Pretax return on assets | 0.7535% | 4,479 |
| Return on Equity (ROE) | 3.8555% | 5,073 |
| Retained earnings to average equity (ytd only) | -0.2061% | 5,543 |
| Net charge-offs to loans | 0.2461% | 1,056 |
| Credit loss provision to net charge-offs | 615.5242% | 540 |
| Earnings coverage of net charge-offs (x) | 10.6976% | 2,344 |
| Efficiency ratio | 73.0965% | 2,820 |
| Assets per employee ($millions) | 2.8186% | 5,800 |
| Cash dividends to net income (ytd only)* | 105.3459% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5373% | 158 |
| Loan loss allowance to noncurrent loans | 69.5158% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.2822% | 465 |
| Noncurrent loans to loans | 5.0884% | 218 |
| Net loans and leases to total assets | 59.1614% | 3,950 |
| Net loans and leases to deposits | 74.5790% | 3,429 |
| Net loans and leases to core deposits | 84.2195% | 2,963 |
| Total domestic deposits to total assets | 79.3272% | 5,019 |
| Equity capital to assets | 18.8043% | 275 |
| Core capital (leverage) ratio | 15.2814% | 578 |
| Tier 1 risk-based capital ratio | 20.3990% | 1,468 |
| Total risk-based capital ratio | 21.6713% | 1,439 |
| Memoranda: | ||
| Average total assets | $675,261,670 | 1,033 |
| Average earning assets | $578,805,000 | 1,091 |
| Average equity | $131,968,670 | 576 |
| Average total loans | $403,085,330 | 1,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,338 |
| Cost of funding earning assets | 0.2442% | 5,084 |
| Net interest margin | 4.3038% | 870 |
| Noninterest income to average assets | 3.1210% | 208 |
| Noninterest expense to average assets | 5.3745% | 242 |
| Loan and lease loss provision to assets | 1.1539% | 64 |
| Net operating income to assets | 0.2840% | 5,467 |
| Return on assets (ROA) | 0.2912% | 5,543 |
| Pretax return on assets | 0.2912% | 5,665 |
| Return on Equity (ROE) | 1.4616% | 5,814 |
| Retained earnings to average equity (ytd only) | -2.4320% | 5,736 |
| Net charge-offs to loans | 0.1581% | 1,317 |
| Credit loss provision to net charge-offs | 1,239.7436% | 285 |
| Earnings coverage of net charge-offs (x) | 15.4487% | 1,625 |
| Efficiency ratio | 74.7854% | 2,690 |
| Assets per employee ($millions) | 2.8079% | 5,881 |
| Cash dividends to net income (ytd only)* | 266.3934% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4553% | 189 |
| Loan loss allowance to noncurrent loans | 65.9423% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 3.3496% | 514 |
| Noncurrent loans to loans | 5.2399% | 240 |
| Net loans and leases to total assets | 58.6219% | 3,856 |
| Net loans and leases to deposits | 74.2396% | 3,280 |
| Net loans and leases to core deposits | 81.4924% | 3,008 |
| Total domestic deposits to total assets | 78.9632% | 5,269 |
| Equity capital to assets | 19.8394% | 236 |
| Core capital (leverage) ratio | 15.5999% | 518 |
| Tier 1 risk-based capital ratio | 20.5993% | 1,506 |
| Total risk-based capital ratio | 21.8700% | 1,463 |
| Memoranda: | ||
| Average total assets | $670,428,500 | 1,039 |
| Average earning assets | $575,033,000 | 1,103 |
| Average equity | $133,555,000 | 568 |
| Average total loans | $394,592,000 | 1,162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 797 |
| Cost of funding earning assets | 0.3303% | 4,489 |
| Net interest margin | 4.6567% | 561 |
| Noninterest income to average assets | 3.3840% | 170 |
| Noninterest expense to average assets | 5.3216% | 255 |
| Loan and lease loss provision to assets | 0.2874% | 725 |
| Net operating income to assets | 1.7429% | 527 |
| Return on assets (ROA) | 1.7533% | 533 |
| Pretax return on assets | 1.7533% | 887 |
| Return on Equity (ROE) | 9.1065% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.2612% | 1,777 |
| Net charge-offs to loans | 0.3553% | 1,228 |
| Credit loss provision to net charge-offs | 138.7073% | 1,710 |
| Earnings coverage of net charge-offs (x) | 9.7974% | 2,698 |
| Efficiency ratio | 67.5448% | 3,974 |
| Assets per employee ($millions) | 2.8024% | 5,926 |
| Cash dividends to net income (ytd only)* | 31.2446% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2230% | 235 |
| Loan loss allowance to noncurrent loans | 57.5882% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 3.3610% | 562 |
| Noncurrent loans to loans | 5.5966% | 226 |
| Net loans and leases to total assets | 55.1529% | 4,430 |
| Net loans and leases to deposits | 70.2152% | 3,882 |
| Net loans and leases to core deposits | 77.1125% | 3,601 |
| Total domestic deposits to total assets | 78.5484% | 5,339 |
| Equity capital to assets | 20.0025% | 225 |
| Core capital (leverage) ratio | 16.0185% | 466 |
| Tier 1 risk-based capital ratio | 21.9656% | 1,227 |
| Total risk-based capital ratio | 23.2331% | 1,205 |
| Memoranda: | ||
| Average total assets | $664,480,200 | 1,004 |
| Average earning assets | $566,193,200 | 1,069 |
| Average equity | $127,930,400 | 567 |
| Average total loans | $387,523,800 | 1,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 672 |
| Cost of funding earning assets | 0.3547% | 4,293 |
| Net interest margin | 4.7262% | 479 |
| Noninterest income to average assets | 3.4619% | 166 |
| Noninterest expense to average assets | 5.2813% | 262 |
| Loan and lease loss provision to assets | 0.3259% | 571 |
| Net operating income to assets | 1.8756% | 443 |
| Return on assets (ROA) | 1.9450% | 391 |
| Pretax return on assets | 1.9450% | 645 |
| Return on Equity (ROE) | 10.2027% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.5220% | 2,090 |
| Net charge-offs to loans | 0.2012% | 1,854 |
| Credit loss provision to net charge-offs | 276.1499% | 969 |
| Earnings coverage of net charge-offs (x) | 18.6541% | 1,830 |
| Efficiency ratio | 65.8149% | 4,242 |
| Assets per employee ($millions) | 2.8006% | 5,965 |
| Cash dividends to net income (ytd only)* | 36.0761% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3908% | 250 |
| Loan loss allowance to noncurrent loans | 59.2649% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.5946% | 585 |
| Noncurrent loans to loans | 5.7215% | 260 |
| Net loans and leases to total assets | 55.9016% | 4,344 |
| Net loans and leases to deposits | 71.6555% | 3,717 |
| Net loans and leases to core deposits | 75.7619% | 3,772 |
| Total domestic deposits to total assets | 78.0143% | 5,531 |
| Equity capital to assets | 20.1711% | 224 |
| Core capital (leverage) ratio | 15.8250% | 503 |
| Tier 1 risk-based capital ratio | 21.4855% | 1,353 |
| Total risk-based capital ratio | 22.7542% | 1,320 |
| Memoranda: | ||
| Average total assets | $663,158,500 | 1,020 |
| Average earning assets | $564,191,250 | 1,085 |
| Average equity | $126,420,500 | 568 |
| Average total loans | $388,980,250 | 1,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 531 |
| Cost of funding earning assets | 0.3662% | 4,251 |
| Net interest margin | 4.8088% | 409 |
| Noninterest income to average assets | 3.3442% | 168 |
| Noninterest expense to average assets | 5.2293% | 269 |
| Loan and lease loss provision to assets | 0.2448% | 910 |
| Net operating income to assets | 1.9592% | 368 |
| Return on assets (ROA) | 2.0612% | 309 |
| Pretax return on assets | 2.0612% | 476 |
| Return on Equity (ROE) | 11.0212% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.3801% | 1,575 |
| Net charge-offs to loans | 0.0392% | 3,442 |
| Credit loss provision to net charge-offs | 1,059.7403% | 313 |
| Earnings coverage of net charge-offs (x) | 95.4156% | 573 |
| Efficiency ratio | 65.5797% | 4,426 |
| Assets per employee ($millions) | 2.8007% | 6,028 |
| Cash dividends to net income (ytd only)* | 33.0374% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1754% | 317 |
| Loan loss allowance to noncurrent loans | 58.9416% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 3.3428% | 723 |
| Noncurrent loans to loans | 5.3873% | 345 |
| Net loans and leases to total assets | 56.9800% | 4,115 |
| Net loans and leases to deposits | 72.3613% | 3,528 |
| Net loans and leases to core deposits | 78.5997% | 3,369 |
| Total domestic deposits to total assets | 78.7438% | 5,508 |
| Equity capital to assets | 19.3221% | 245 |
| Core capital (leverage) ratio | 15.2171% | 567 |
| Tier 1 risk-based capital ratio | 20.3970% | 1,592 |
| Total risk-based capital ratio | 21.4535% | 1,607 |
| Memoranda: | ||
| Average total assets | $666,701,670 | 1,014 |
| Average earning assets | $566,917,000 | 1,079 |
| Average equity | $124,686,670 | 576 |
| Average total loans | $392,781,330 | 1,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 501 |
| Cost of funding earning assets | 0.3653% | 4,375 |
| Net interest margin | 4.8203% | 369 |
| Noninterest income to average assets | 3.3948% | 164 |
| Noninterest expense to average assets | 5.1929% | 281 |
| Loan and lease loss provision to assets | 0.3385% | 528 |
| Net operating income to assets | 1.9724% | 356 |
| Return on assets (ROA) | 2.0554% | 314 |
| Pretax return on assets | 2.0554% | 469 |
| Return on Equity (ROE) | 11.1766% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.2464% | 3,583 |
| Net charge-offs to loans | 0.6313% | 586 |
| Credit loss provision to net charge-offs | 90.9532% | 1,791 |
| Earnings coverage of net charge-offs (x) | 6.2100% | 2,256 |
| Efficiency ratio | 64.4688% | 4,784 |
| Assets per employee ($millions) | 2.8344% | 6,062 |
| Cash dividends to net income (ytd only)* | 62.0064% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9654% | 451 |
| Loan loss allowance to noncurrent loans | 169.3119% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.2150% | 2,833 |
| Noncurrent loans to loans | 1.7514% | 2,208 |
| Net loans and leases to total assets | 57.5418% | 3,920 |
| Net loans and leases to deposits | 71.9164% | 3,349 |
| Net loans and leases to core deposits | 77.3660% | 3,267 |
| Total domestic deposits to total assets | 80.0120% | 5,477 |
| Equity capital to assets | 18.6035% | 282 |
| Core capital (leverage) ratio | 14.8939% | 614 |
| Tier 1 risk-based capital ratio | 19.9757% | 1,728 |
| Total risk-based capital ratio | 21.2410% | 1,688 |
| Memoranda: | ||
| Average total assets | $665,373,000 | 1,028 |
| Average earning assets | $567,188,000 | 1,090 |
| Average equity | $122,363,000 | 591 |
| Average total loans | $392,217,500 | 1,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6173% | 305 |
| Cost of funding earning assets | 0.5380% | 3,213 |
| Net interest margin | 5.0793% | 272 |
| Noninterest income to average assets | 3.6971% | 177 |
| Noninterest expense to average assets | 5.5229% | 241 |
| Loan and lease loss provision to assets | 0.5250% | 522 |
| Net operating income to assets | 1.9454% | 368 |
| Return on assets (ROA) | 1.9671% | 360 |
| Pretax return on assets | 1.9671% | 524 |
| Return on Equity (ROE) | 10.7541% | 1,843 |
| Retained earnings to average equity (ytd only) | 2.8050% | 4,249 |
| Net charge-offs to loans | 0.9287% | 653 |
| Credit loss provision to net charge-offs | 91.4637% | 2,715 |
| Earnings coverage of net charge-offs (x) | 4.3040% | 3,608 |
| Efficiency ratio | 63.2152% | 5,023 |
| Assets per employee ($millions) | 2.7694% | 6,149 |
| Cash dividends to net income (ytd only)* | 73.9170% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0220% | 457 |
| Loan loss allowance to noncurrent loans | 198.9015% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 2,504 |
| Noncurrent loans to loans | 1.5193% | 2,615 |
| Net loans and leases to total assets | 56.8223% | 4,215 |
| Net loans and leases to deposits | 70.9693% | 3,658 |
| Net loans and leases to core deposits | 77.5107% | 3,423 |
| Total domestic deposits to total assets | 80.0660% | 5,431 |
| Equity capital to assets | 18.1764% | 306 |
| Core capital (leverage) ratio | 14.8147% | 629 |
| Tier 1 risk-based capital ratio | 19.7914% | 1,699 |
| Total risk-based capital ratio | 21.0569% | 1,669 |
| Memoranda: | ||
| Average total assets | $665,380,800 | 1,003 |
| Average earning assets | $562,774,800 | 1,081 |
| Average equity | $121,712,000 | 578 |
| Average total loans | $411,208,400 | 1,034 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 250 |
| Cost of funding earning assets | 0.5435% | 3,338 |
| Net interest margin | 5.2223% | 210 |
| Noninterest income to average assets | 3.8591% | 181 |
| Noninterest expense to average assets | 5.5533% | 247 |
| Loan and lease loss provision to assets | 0.6196% | 382 |
| Net operating income to assets | 2.0980% | 308 |
| Return on assets (ROA) | 2.1271% | 305 |
| Pretax return on assets | 2.1271% | 452 |
| Return on Equity (ROE) | 11.6101% | 1,617 |
| Retained earnings to average equity (ytd only) | 1.1404% | 5,525 |
| Net charge-offs to loans | 0.8333% | 703 |
| Credit loss provision to net charge-offs | 118.7788% | 1,981 |
| Earnings coverage of net charge-offs (x) | 5.2097% | 3,253 |
| Efficiency ratio | 61.3486% | 5,221 |
| Assets per employee ($millions) | 2.6180% | 6,365 |
| Cash dividends to net income (ytd only)* | 90.1771% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2097% | 451 |
| Loan loss allowance to noncurrent loans | 146.9750% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 2,518 |
| Noncurrent loans to loans | 2.1838% | 2,028 |
| Net loans and leases to total assets | 58.9216% | 3,868 |
| Net loans and leases to deposits | 73.9227% | 3,241 |
| Net loans and leases to core deposits | 77.8331% | 3,382 |
| Total domestic deposits to total assets | 79.7071% | 5,578 |
| Equity capital to assets | 18.4756% | 296 |
| Core capital (leverage) ratio | 14.6301% | 702 |
| Tier 1 risk-based capital ratio | 19.3665% | 1,890 |
| Total risk-based capital ratio | 20.5966% | 1,865 |
| Memoranda: | ||
| Average total assets | $665,561,000 | 1,008 |
| Average earning assets | $562,266,500 | 1,087 |
| Average equity | $121,937,250 | 587 |
| Average total loans | $416,649,500 | 1,023 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7372% | 260 |
| Cost of funding earning assets | 0.5371% | 3,523 |
| Net interest margin | 5.2002% | 208 |
| Noninterest income to average assets | 3.6407% | 203 |
| Noninterest expense to average assets | 5.5368% | 258 |
| Loan and lease loss provision to assets | 0.5634% | 461 |
| Net operating income to assets | 1.9618% | 377 |
| Return on assets (ROA) | 1.9618% | 405 |
| Pretax return on assets | 1.9618% | 648 |
| Return on Equity (ROE) | 10.7371% | 1,914 |
| Retained earnings to average equity (ytd only) | -2.0762% | 6,202 |
| Net charge-offs to loans | 0.7476% | 865 |
| Credit loss provision to net charge-offs | 119.3325% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.3489% | 2,910 |
| Efficiency ratio | 62.7996% | 5,049 |
| Assets per employee ($millions) | 2.6254% | 6,378 |
| Cash dividends to net income (ytd only)* | 119.3363% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 492 |
| Loan loss allowance to noncurrent loans | 144.9793% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6717% | 2,603 |
| Noncurrent loans to loans | 2.1841% | 2,194 |
| Net loans and leases to total assets | 59.8640% | 3,680 |
| Net loans and leases to deposits | 74.2092% | 3,124 |
| Net loans and leases to core deposits | 80.9993% | 2,911 |
| Total domestic deposits to total assets | 80.6692% | 5,431 |
| Equity capital to assets | 17.8386% | 333 |
| Core capital (leverage) ratio | 13.6662% | 918 |
| Tier 1 risk-based capital ratio | 18.2755% | 2,221 |
| Total risk-based capital ratio | 19.5433% | 2,180 |
| Memoranda: | ||
| Average total assets | $672,735,670 | 991 |
| Average earning assets | $571,983,000 | 1,070 |
| Average equity | $122,919,670 | 584 |
| Average total loans | $424,845,670 | 1,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 277 |
| Cost of funding earning assets | 0.5317% | 3,758 |
| Net interest margin | 5.1551% | 210 |
| Noninterest income to average assets | 3.8201% | 195 |
| Noninterest expense to average assets | 5.3958% | 283 |
| Loan and lease loss provision to assets | 0.3981% | 777 |
| Net operating income to assets | 2.4060% | 176 |
| Return on assets (ROA) | 2.4060% | 189 |
| Pretax return on assets | 2.4060% | 304 |
| Return on Equity (ROE) | 13.0175% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.2686% | 1,297 |
| Net charge-offs to loans | 0.6766% | 907 |
| Credit loss provision to net charge-offs | 92.2131% | 1,982 |
| Earnings coverage of net charge-offs (x) | 6.4959% | 2,207 |
| Efficiency ratio | 60.0719% | 5,579 |
| Assets per employee ($millions) | 2.6455% | 6,453 |
| Cash dividends to net income (ytd only)* | 28.7990% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9770% | 673 |
| Loan loss allowance to noncurrent loans | 118.5998% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 2,455 |
| Noncurrent loans to loans | 2.5101% | 2,061 |
| Net loans and leases to total assets | 61.2905% | 3,209 |
| Net loans and leases to deposits | 76.9373% | 2,494 |
| Net loans and leases to core deposits | 78.5363% | 2,986 |
| Total domestic deposits to total assets | 79.6630% | 5,831 |
| Equity capital to assets | 18.9076% | 281 |
| Core capital (leverage) ratio | 14.3564% | 705 |
| Tier 1 risk-based capital ratio | 18.6795% | 2,132 |
| Total risk-based capital ratio | 19.9457% | 2,101 |
| Memoranda: | ||
| Average total assets | $678,304,500 | 992 |
| Average earning assets | $576,281,500 | 1,071 |
| Average equity | $125,369,500 | 585 |
| Average total loans | $432,763,500 | 988 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9324% | 298 |
| Cost of funding earning assets | 0.6530% | 3,890 |
| Net interest margin | 5.2794% | 239 |
| Noninterest income to average assets | 4.1089% | 183 |
| Noninterest expense to average assets | 5.2971% | 309 |
| Loan and lease loss provision to assets | 1.6163% | 180 |
| Net operating income to assets | 1.6690% | 659 |
| Return on assets (ROA) | 1.7577% | 615 |
| Pretax return on assets | 1.7577% | 1,004 |
| Return on Equity (ROE) | 10.1637% | 2,102 |
| Retained earnings to average equity (ytd only) | 3.8633% | 3,478 |
| Net charge-offs to loans | 1.1492% | 897 |
| Credit loss provision to net charge-offs | 238.4875% | 1,041 |
| Earnings coverage of net charge-offs (x) | 4.8475% | 3,228 |
| Efficiency ratio | 55.0351% | 6,165 |
| Assets per employee ($millions) | 2.7602% | 6,356 |
| Cash dividends to net income (ytd only)* | 61.9889% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8560% | 777 |
| Loan loss allowance to noncurrent loans | 111.8245% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 2,442 |
| Noncurrent loans to loans | 2.5540% | 2,071 |
| Net loans and leases to total assets | 62.5743% | 3,154 |
| Net loans and leases to deposits | 78.0445% | 2,525 |
| Net loans and leases to core deposits | 79.7061% | 3,048 |
| Total domestic deposits to total assets | 80.1777% | 5,612 |
| Equity capital to assets | 18.0690% | 325 |
| Core capital (leverage) ratio | 13.3553% | 1,002 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,564 |
| Total risk-based capital ratio | 18.4545% | 2,532 |
| Memoranda: | ||
| Average total assets | $698,514,600 | 940 |
| Average earning assets | $591,886,400 | 1,023 |
| Average equity | $120,802,000 | 595 |
| Average total loans | $411,931,800 | 1,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9505% | 300 |
| Cost of funding earning assets | 0.6814% | 3,930 |
| Net interest margin | 5.2691% | 258 |
| Noninterest income to average assets | 4.2175% | 174 |
| Noninterest expense to average assets | 5.3397% | 297 |
| Loan and lease loss provision to assets | 1.5277% | 207 |
| Net operating income to assets | 1.8148% | 547 |
| Return on assets (ROA) | 1.9327% | 486 |
| Pretax return on assets | 1.9327% | 809 |
| Return on Equity (ROE) | 11.2995% | 1,855 |
| Retained earnings to average equity (ytd only) | 2.9788% | 4,769 |
| Net charge-offs to loans | 1.1815% | 843 |
| Credit loss provision to net charge-offs | 224.3439% | 1,236 |
| Earnings coverage of net charge-offs (x) | 4.9084% | 3,165 |
| Efficiency ratio | 54.8578% | 6,158 |
| Assets per employee ($millions) | 2.9500% | 6,130 |
| Cash dividends to net income (ytd only)* | 73.6376% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3940% | 1,377 |
| Loan loss allowance to noncurrent loans | 117.1854% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.5407% | 3,270 |
| Noncurrent loans to loans | 2.0430% | 2,802 |
| Net loans and leases to total assets | 59.7113% | 3,838 |
| Net loans and leases to deposits | 82.7388% | 2,022 |
| Net loans and leases to core deposits | 84.7254% | 2,616 |
| Total domestic deposits to total assets | 72.1684% | 6,733 |
| Equity capital to assets | 17.0845% | 450 |
| Core capital (leverage) ratio | 12.9193% | 1,217 |
| Tier 1 risk-based capital ratio | 16.7692% | 2,858 |
| Total risk-based capital ratio | 18.0290% | 2,809 |
| Memoranda: | ||
| Average total assets | $701,319,000 | 946 |
| Average earning assets | $594,263,250 | 1,019 |
| Average equity | $119,955,500 | 596 |
| Average total loans | $404,236,000 | 1,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 347 |
| Cost of funding earning assets | 0.7157% | 3,892 |
| Net interest margin | 5.1793% | 301 |
| Noninterest income to average assets | 4.0773% | 178 |
| Noninterest expense to average assets | 5.2638% | 316 |
| Loan and lease loss provision to assets | 1.8413% | 171 |
| Net operating income to assets | 1.4008% | 1,195 |
| Return on assets (ROA) | 1.5792% | 976 |
| Pretax return on assets | 1.5792% | 1,609 |
| Return on Equity (ROE) | 9.2291% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.2749% | 5,054 |
| Net charge-offs to loans | 1.4457% | 700 |
| Credit loss provision to net charge-offs | 225.7496% | 1,259 |
| Earnings coverage of net charge-offs (x) | 3.9750% | 3,212 |
| Efficiency ratio | 55.2714% | 6,194 |
| Assets per employee ($millions) | 2.8487% | 6,326 |
| Cash dividends to net income (ytd only)* | 75.3507% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 1,718 |
| Loan loss allowance to noncurrent loans | 129.3968% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4745% | 3,490 |
| Noncurrent loans to loans | 1.7187% | 3,315 |
| Net loans and leases to total assets | 60.5617% | 3,721 |
| Net loans and leases to deposits | 81.1874% | 2,207 |
| Net loans and leases to core deposits | 83.2171% | 2,795 |
| Total domestic deposits to total assets | 74.5950% | 6,624 |
| Equity capital to assets | 17.3362% | 402 |
| Core capital (leverage) ratio | 12.9631% | 1,160 |
| Tier 1 risk-based capital ratio | 16.5673% | 2,878 |
| Total risk-based capital ratio | 17.6264% | 2,940 |
| Memoranda: | ||
| Average total assets | $695,159,330 | 952 |
| Average earning assets | $594,404,330 | 1,014 |
| Average equity | $118,949,330 | 600 |
| Average total loans | $392,200,330 | 1,076 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7655% | 456 |
| Cost of funding earning assets | 0.7358% | 3,979 |
| Net interest margin | 5.0297% | 381 |
| Noninterest income to average assets | 4.6647% | 143 |
| Noninterest expense to average assets | 4.9085% | 394 |
| Loan and lease loss provision to assets | 2.9592% | 74 |
| Net operating income to assets | 1.1133% | 2,018 |
| Return on assets (ROA) | 1.4715% | 1,205 |
| Pretax return on assets | 1.4715% | 1,957 |
| Return on Equity (ROE) | 8.6574% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.3828% | 2,240 |
| Net charge-offs to loans | 1.8736% | 510 |
| Credit loss provision to net charge-offs | 294.5371% | 1,001 |
| Earnings coverage of net charge-offs (x) | 4.0535% | 2,677 |
| Efficiency ratio | 49.3535% | 6,717 |
| Assets per employee ($millions) | 2.8939% | 6,358 |
| Cash dividends to net income (ytd only)* | 14.7232% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1881% | 1,905 |
| Loan loss allowance to noncurrent loans | 129.1207% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 3,645 |
| Noncurrent loans to loans | 1.6946% | 3,568 |
| Net loans and leases to total assets | 60.2048% | 3,621 |
| Net loans and leases to deposits | 81.7127% | 1,972 |
| Net loans and leases to core deposits | 83.7431% | 2,575 |
| Total domestic deposits to total assets | 73.6786% | 6,773 |
| Equity capital to assets | 17.3250% | 392 |
| Core capital (leverage) ratio | 13.2768% | 1,031 |
| Tier 1 risk-based capital ratio | 16.5625% | 2,880 |
| Total risk-based capital ratio | 17.8198% | 2,839 |
| Memoranda: | ||
| Average total assets | $692,346,000 | 954 |
| Average earning assets | $594,154,000 | 1,013 |
| Average equity | $117,679,000 | 610 |
| Average total loans | $371,270,000 | 1,139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 1,371 |
| Cost of funding earning assets | 0.8899% | 4,186 |
| Net interest margin | 4.5271% | 1,075 |
| Noninterest income to average assets | 1.1322% | 1,023 |
| Noninterest expense to average assets | 3.0850% | 3,252 |
| Loan and lease loss provision to assets | 0.2150% | 4,045 |
| Net operating income to assets | 1.7770% | 481 |
| Return on assets (ROA) | 1.8272% | 472 |
| Pretax return on assets | 1.8272% | 764 |
| Return on Equity (ROE) | 11.5352% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.1680% | 1,420 |
| Net charge-offs to loans | 0.4444% | 3,212 |
| Credit loss provision to net charge-offs | 105.7554% | 3,230 |
| Earnings coverage of net charge-offs (x) | 9.7971% | 1,932 |
| Efficiency ratio | 58.3497% | 6,005 |
| Assets per employee ($millions) | 3.0976% | 5,904 |
| Cash dividends to net income (ytd only)* | 37.8593% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,385 |
| Loan loss allowance to noncurrent loans | 76.2430% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.5860% | 3,568 |
| Noncurrent loans to loans | 2.5783% | 2,546 |
| Net loans and leases to total assets | 44.5521% | 6,153 |
| Net loans and leases to deposits | 58.5334% | 5,648 |
| Net loans and leases to core deposits | 60.0263% | 5,848 |
| Total domestic deposits to total assets | 76.1139% | 6,467 |
| Equity capital to assets | 16.6588% | 496 |
| Core capital (leverage) ratio | 12.4240% | 1,378 |
| Tier 1 risk-based capital ratio | 17.5038% | 2,382 |
| Total risk-based capital ratio | 18.7550% | 2,345 |
| Memoranda: | ||
| Average total assets | $683,624,400 | 952 |
| Average earning assets | $595,696,000 | 989 |
| Average equity | $108,286,400 | 638 |
| Average total loans | $312,756,000 | 1,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 1,359 |
| Cost of funding earning assets | 0.9168% | 4,291 |
| Net interest margin | 4.5453% | 1,053 |
| Noninterest income to average assets | 1.1525% | 990 |
| Noninterest expense to average assets | 3.0713% | 3,276 |
| Loan and lease loss provision to assets | 0.1161% | 4,981 |
| Net operating income to assets | 1.9262% | 403 |
| Return on assets (ROA) | 1.9930% | 377 |
| Pretax return on assets | 1.9930% | 632 |
| Return on Equity (ROE) | 12.7464% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.0269% | 1,954 |
| Net charge-offs to loans | 0.2888% | 3,647 |
| Credit loss provision to net charge-offs | 87.7761% | 3,861 |
| Earnings coverage of net charge-offs (x) | 15.4345% | 1,465 |
| Efficiency ratio | 57.6639% | 6,064 |
| Assets per employee ($millions) | 3.1382% | 5,818 |
| Cash dividends to net income (ytd only)* | 44.8714% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,622 |
| Loan loss allowance to noncurrent loans | 96.4512% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 4,119 |
| Noncurrent loans to loans | 1.9657% | 3,410 |
| Net loans and leases to total assets | 44.4054% | 6,297 |
| Net loans and leases to deposits | 60.7741% | 5,543 |
| Net loans and leases to core deposits | 62.6052% | 5,758 |
| Total domestic deposits to total assets | 73.0663% | 6,852 |
| Equity capital to assets | 16.2262% | 595 |
| Core capital (leverage) ratio | 11.7917% | 1,831 |
| Tier 1 risk-based capital ratio | 16.9558% | 2,658 |
| Total risk-based capital ratio | 18.2065% | 2,629 |
| Memoranda: | ||
| Average total assets | $684,161,250 | 959 |
| Average earning assets | $596,231,500 | 995 |
| Average equity | $106,976,500 | 651 |
| Average total loans | $313,520,000 | 1,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 1,459 |
| Cost of funding earning assets | 0.9405% | 4,390 |
| Net interest margin | 4.4950% | 1,143 |
| Noninterest income to average assets | 1.1406% | 996 |
| Noninterest expense to average assets | 3.1181% | 3,181 |
| Loan and lease loss provision to assets | 0.1475% | 4,469 |
| Net operating income to assets | 1.7977% | 508 |
| Return on assets (ROA) | 1.9124% | 428 |
| Pretax return on assets | 1.9124% | 688 |
| Return on Equity (ROE) | 12.3883% | 1,384 |
| Retained earnings to average equity (ytd only) | 8.3045% | 1,341 |
| Net charge-offs to loans | 0.5346% | 2,494 |
| Credit loss provision to net charge-offs | 59.9523% | 4,344 |
| Earnings coverage of net charge-offs (x) | 7.9070% | 2,146 |
| Efficiency ratio | 59.1557% | 6,003 |
| Assets per employee ($millions) | 3.0387% | 5,998 |
| Cash dividends to net income (ytd only)* | 32.9653% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 3,075 |
| Loan loss allowance to noncurrent loans | 80.6713% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 4,097 |
| Noncurrent loans to loans | 2.2008% | 3,222 |
| Net loans and leases to total assets | 46.1016% | 6,258 |
| Net loans and leases to deposits | 60.8039% | 5,636 |
| Net loans and leases to core deposits | 62.6725% | 5,838 |
| Total domestic deposits to total assets | 75.8201% | 6,623 |
| Equity capital to assets | 15.9190% | 618 |
| Core capital (leverage) ratio | 11.6974% | 1,784 |
| Tier 1 risk-based capital ratio | 16.3004% | 2,830 |
| Total risk-based capital ratio | 17.5309% | 2,813 |
| Memoranda: | ||
| Average total assets | $682,077,000 | 971 |
| Average earning assets | $595,244,670 | 1,003 |
| Average equity | $105,292,670 | 661 |
| Average total loans | $313,858,000 | 1,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 1,509 |
| Cost of funding earning assets | 0.9595% | 4,499 |
| Net interest margin | 4.4561% | 1,160 |
| Noninterest income to average assets | 1.1647% | 952 |
| Noninterest expense to average assets | 3.0774% | 3,348 |
| Loan and lease loss provision to assets | 0.1939% | 3,687 |
| Net operating income to assets | 1.7868% | 499 |
| Return on assets (ROA) | 1.7868% | 528 |
| Pretax return on assets | 1.7868% | 840 |
| Return on Equity (ROE) | 11.7578% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.1795% | 870 |
| Net charge-offs to loans | 0.9195% | 1,448 |
| Credit loss provision to net charge-offs | 46.2937% | 3,830 |
| Earnings coverage of net charge-offs (x) | 4.7287% | 2,408 |
| Efficiency ratio | 60.8409% | 5,853 |
| Assets per employee ($millions) | 2.9062% | 6,332 |
| Cash dividends to net income (ytd only)* | 4.9180% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,968 |
| Loan loss allowance to noncurrent loans | 87.0993% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 4,252 |
| Noncurrent loans to loans | 2.0829% | 3,462 |
| Net loans and leases to total assets | 44.7588% | 6,401 |
| Net loans and leases to deposits | 58.8389% | 5,846 |
| Net loans and leases to core deposits | 60.7479% | 6,046 |
| Total domestic deposits to total assets | 76.0701% | 6,663 |
| Equity capital to assets | 15.5916% | 647 |
| Core capital (leverage) ratio | 11.3058% | 1,954 |
| Tier 1 risk-based capital ratio | 16.2265% | 2,797 |
| Total risk-based capital ratio | 17.4029% | 2,800 |
| Memoranda: | ||
| Average total assets | $682,779,000 | 979 |
| Average earning assets | $596,570,500 | 1,008 |
| Average equity | $103,761,000 | 666 |
| Average total loans | $311,050,500 | 1,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 3,207 |
| Cost of funding earning assets | 1.2911% | 3,939 |
| Net interest margin | 3.9922% | 3,053 |
| Noninterest income to average assets | 1.2839% | 892 |
| Noninterest expense to average assets | 3.1111% | 3,409 |
| Loan and lease loss provision to assets | 0.3503% | 4,028 |
| Net operating income to assets | 1.3085% | 1,148 |
| Return on assets (ROA) | 1.4719% | 875 |
| Pretax return on assets | 1.4719% | 1,445 |
| Return on Equity (ROE) | 9.3641% | 2,154 |
| Retained earnings to average equity (ytd only) | 7.5316% | 1,137 |
| Net charge-offs to loans | 0.5228% | 3,531 |
| Credit loss provision to net charge-offs | 137.1709% | 2,784 |
| Earnings coverage of net charge-offs (x) | 6.4960% | 2,344 |
| Efficiency ratio | 62.4771% | 5,635 |
| Assets per employee ($millions) | 3.0332% | 6,030 |
| Cash dividends to net income (ytd only)* | 19.5687% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 2,484 |
| Loan loss allowance to noncurrent loans | 100.1333% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.3244% | 4,377 |
| Noncurrent loans to loans | 1.9225% | 3,661 |
| Net loans and leases to total assets | 44.6511% | 6,663 |
| Net loans and leases to deposits | 57.1265% | 6,340 |
| Net loans and leases to core deposits | 59.0346% | 6,470 |
| Total domestic deposits to total assets | 78.1618% | 6,279 |
| Equity capital to assets | 14.8053% | 836 |
| Core capital (leverage) ratio | 10.6107% | 2,454 |
| Tier 1 risk-based capital ratio | 14.8673% | 3,323 |
| Total risk-based capital ratio | 16.1174% | 3,285 |
| Memoranda: | ||
| Average total assets | $639,521,200 | 1,047 |
| Average earning assets | $558,419,800 | 1,086 |
| Average equity | $100,522,600 | 668 |
| Average total loans | $312,335,800 | 1,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 4,145 |
| Cost of funding earning assets | 1.3042% | 4,187 |
| Net interest margin | 3.8314% | 3,835 |
| Noninterest income to average assets | 1.3708% | 719 |
| Noninterest expense to average assets | 3.1894% | 2,959 |
| Loan and lease loss provision to assets | 0.4049% | 3,480 |
| Net operating income to assets | 1.1188% | 1,830 |
| Return on assets (ROA) | 1.3407% | 1,329 |
| Pretax return on assets | 1.3407% | 2,064 |
| Return on Equity (ROE) | 8.3962% | 2,744 |
| Retained earnings to average equity (ytd only) | 6.0535% | 2,323 |
| Net charge-offs to loans | 0.4801% | 3,357 |
| Credit loss provision to net charge-offs | 169.5111% | 2,193 |
| Earnings coverage of net charge-offs (x) | 6.3796% | 2,533 |
| Efficiency ratio | 64.8378% | 5,080 |
| Assets per employee ($millions) | 3.0039% | 6,137 |
| Cash dividends to net income (ytd only)* | 27.9018% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 2,302 |
| Loan loss allowance to noncurrent loans | 108.6452% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 4,638 |
| Noncurrent loans to loans | 1.8119% | 3,932 |
| Net loans and leases to total assets | 44.9584% | 6,777 |
| Net loans and leases to deposits | 60.8480% | 6,237 |
| Net loans and leases to core deposits | 62.8256% | 6,388 |
| Total domestic deposits to total assets | 73.8865% | 6,929 |
| Equity capital to assets | 15.4960% | 772 |
| Core capital (leverage) ratio | 10.8975% | 2,336 |
| Tier 1 risk-based capital ratio | 14.5803% | 3,467 |
| Total risk-based capital ratio | 15.8316% | 3,438 |
| Memoranda: | ||
| Average total assets | $628,025,000 | 1,073 |
| Average earning assets | $547,846,000 | 1,115 |
| Average equity | $100,280,500 | 664 |
| Average total loans | $312,396,250 | 1,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 4,109 |
| Cost of funding earning assets | 1.3490% | 4,195 |
| Net interest margin | 3.8171% | 3,822 |
| Noninterest income to average assets | 1.4527% | 603 |
| Noninterest expense to average assets | 3.2814% | 2,623 |
| Loan and lease loss provision to assets | 0.4515% | 3,065 |
| Net operating income to assets | 1.0462% | 2,026 |
| Return on assets (ROA) | 1.2974% | 1,376 |
| Pretax return on assets | 1.2974% | 2,094 |
| Return on Equity (ROE) | 8.0361% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.6971% | 2,498 |
| Net charge-offs to loans | 0.5837% | 2,783 |
| Credit loss provision to net charge-offs | 151.0989% | 2,599 |
| Earnings coverage of net charge-offs (x) | 5.0121% | 2,780 |
| Efficiency ratio | 65.7826% | 5,021 |
| Assets per employee ($millions) | 2.8473% | 6,460 |
| Cash dividends to net income (ytd only)* | 29.1066% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 2,393 |
| Loan loss allowance to noncurrent loans | 88.9327% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 4,138 |
| Noncurrent loans to loans | 2.1446% | 3,535 |
| Net loans and leases to total assets | 48.8301% | 6,560 |
| Net loans and leases to deposits | 59.2587% | 6,479 |
| Net loans and leases to core deposits | 61.1089% | 6,627 |
| Total domestic deposits to total assets | 82.4015% | 4,825 |
| Equity capital to assets | 16.5094% | 594 |
| Core capital (leverage) ratio | 11.0132% | 2,234 |
| Tier 1 risk-based capital ratio | 17.4701% | 2,110 |
| Total risk-based capital ratio | 18.6649% | 2,090 |
| Memoranda: | ||
| Average total assets | $609,071,330 | 1,109 |
| Average earning assets | $530,767,330 | 1,160 |
| Average equity | $98,330,670 | 669 |
| Average total loans | $311,829,330 | 1,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0975% | 4,538 |
| Cost of funding earning assets | 1.3532% | 4,468 |
| Net interest margin | 3.7443% | 4,037 |
| Noninterest income to average assets | 1.4507% | 569 |
| Noninterest expense to average assets | 3.3624% | 2,336 |
| Loan and lease loss provision to assets | 0.6251% | 2,027 |
| Net operating income to assets | 0.7323% | 3,292 |
| Return on assets (ROA) | 1.2383% | 1,508 |
| Pretax return on assets | 1.2383% | 2,241 |
| Return on Equity (ROE) | 7.7601% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,906 |
| Net charge-offs to loans | 1.0778% | 1,549 |
| Credit loss provision to net charge-offs | 111.7021% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.4255% | 3,329 |
| Efficiency ratio | 68.2971% | 4,660 |
| Assets per employee ($millions) | 2.8098% | 6,626 |
| Cash dividends to net income (ytd only)* | 29.9145% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 2,876 |
| Loan loss allowance to noncurrent loans | 72.3113% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6665% | 3,974 |
| Noncurrent loans to loans | 2.4284% | 3,245 |
| Net loans and leases to total assets | 50.7008% | 6,405 |
| Net loans and leases to deposits | 61.4526% | 6,327 |
| Net loans and leases to core deposits | 63.5181% | 6,488 |
| Total domestic deposits to total assets | 82.5040% | 4,850 |
| Equity capital to assets | 16.2431% | 640 |
| Core capital (leverage) ratio | 11.1766% | 2,113 |
| Tier 1 risk-based capital ratio | 17.4192% | 2,101 |
| Total risk-based capital ratio | 18.6724% | 2,070 |
| Memoranda: | ||
| Average total assets | $604,679,500 | 1,140 |
| Average earning assets | $527,949,500 | 1,203 |
| Average equity | $96,494,000 | 684 |
| Average total loans | $313,961,500 | 1,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 5,230 |
| Cost of funding earning assets | 1.6568% | 4,753 |
| Net interest margin | 3.6328% | 4,414 |
| Noninterest income to average assets | 1.3241% | 856 |
| Noninterest expense to average assets | 3.7485% | 1,800 |
| Loan and lease loss provision to assets | 0.4196% | 4,307 |
| Net operating income to assets | 0.2875% | 4,583 |
| Return on assets (ROA) | 0.2978% | 4,620 |
| Pretax return on assets | 0.2978% | 4,768 |
| Return on Equity (ROE) | 1.7800% | 4,988 |
| Retained earnings to average equity (ytd only) | -1.3020% | 5,348 |
| Net charge-offs to loans | 0.7186% | 3,033 |
| Credit loss provision to net charge-offs | 109.6324% | 5,023 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 4,336 |
| Efficiency ratio | 80.7795% | 2,777 |
| Assets per employee ($millions) | 2.7015% | 6,853 |
| Cash dividends to net income (ytd only)* | 173.1459% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 2,848 |
| Loan loss allowance to noncurrent loans | 65.3083% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7527% | 3,743 |
| Noncurrent loans to loans | 2.6278% | 2,927 |
| Net loans and leases to total assets | 51.3427% | 6,494 |
| Net loans and leases to deposits | 61.7003% | 6,497 |
| Net loans and leases to core deposits | 68.0892% | 6,877 |
| Total domestic deposits to total assets | 83.2130% | 4,416 |
| Equity capital to assets | 15.6706% | 752 |
| Core capital (leverage) ratio | 10.6640% | 2,462 |
| Tier 1 risk-based capital ratio | 16.4627% | 2,333 |
| Total risk-based capital ratio | 17.7096% | 2,283 |
| Memoranda: | ||
| Average total assets | $561,427,600 | 1,235 |
| Average earning assets | $483,956,600 | 1,305 |
| Average equity | $93,930,000 | 693 |
| Average total loans | $299,067,000 | 1,606 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 5,497 |
| Cost of funding earning assets | 1.6467% | 5,175 |
| Net interest margin | 3.6411% | 4,320 |
| Noninterest income to average assets | 1.3457% | 842 |
| Noninterest expense to average assets | 3.8791% | 1,460 |
| Loan and lease loss provision to assets | 0.4879% | 3,464 |
| Net operating income to assets | 0.1067% | 5,445 |
| Return on assets (ROA) | 0.1067% | 5,496 |
| Pretax return on assets | 0.1067% | 5,509 |
| Return on Equity (ROE) | 0.6268% | 5,605 |
| Retained earnings to average equity (ytd only) | -2.6706% | 5,863 |
| Net charge-offs to loans | 0.6826% | 2,649 |
| Credit loss provision to net charge-offs | 133.4878% | 3,736 |
| Earnings coverage of net charge-offs (x) | 1.6267% | 4,573 |
| Efficiency ratio | 83.3081% | 2,389 |
| Assets per employee ($millions) | 2.7955% | 6,655 |
| Cash dividends to net income (ytd only)* | 526.0736% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,060 |
| Loan loss allowance to noncurrent loans | 84.4820% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 3,938 |
| Noncurrent loans to loans | 2.2365% | 3,337 |
| Net loans and leases to total assets | 48.5663% | 6,901 |
| Net loans and leases to deposits | 58.2873% | 6,947 |
| Net loans and leases to core deposits | 64.5089% | 7,223 |
| Total domestic deposits to total assets | 83.3223% | 4,054 |
| Equity capital to assets | 15.5936% | 867 |
| Core capital (leverage) ratio | 10.9174% | 2,466 |
| Tier 1 risk-based capital ratio | 16.6266% | 2,383 |
| Total risk-based capital ratio | 17.8804% | 2,334 |
| Memoranda: | ||
| Average total assets | $551,174,000 | 1,270 |
| Average earning assets | $473,504,750 | 1,355 |
| Average equity | $93,811,000 | 699 |
| Average total loans | $295,156,000 | 1,645 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 4,722 |
| Cost of funding earning assets | 1.5804% | 5,808 |
| Net interest margin | 3.9020% | 3,105 |
| Noninterest income to average assets | 1.3638% | 824 |
| Noninterest expense to average assets | 4.1406% | 1,143 |
| Loan and lease loss provision to assets | 0.4017% | 3,513 |
| Net operating income to assets | 0.1422% | 5,444 |
| Return on assets (ROA) | 0.1422% | 5,538 |
| Pretax return on assets | 0.1422% | 5,579 |
| Return on Equity (ROE) | 0.8094% | 5,689 |
| Retained earnings to average equity (ytd only) | -2.8200% | 5,937 |
| Net charge-offs to loans | 0.3167% | 3,605 |
| Credit loss provision to net charge-offs | 230.1724% | 2,005 |
| Earnings coverage of net charge-offs (x) | 3.1164% | 3,564 |
| Efficiency ratio | 85.0261% | 2,354 |
| Assets per employee ($millions) | 2.5943% | 7,062 |
| Cash dividends to net income (ytd only)* | 448.4127% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 1,629 |
| Loan loss allowance to noncurrent loans | 322.1111% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 5,255 |
| Noncurrent loans to loans | 0.6128% | 6,032 |
| Net loans and leases to total assets | 52.1053% | 6,675 |
| Net loans and leases to deposits | 63.5044% | 6,613 |
| Net loans and leases to core deposits | 71.4990% | 6,933 |
| Total domestic deposits to total assets | 82.0499% | 4,675 |
| Equity capital to assets | 16.8437% | 684 |
| Core capital (leverage) ratio | 12.1086% | 1,790 |
| Tier 1 risk-based capital ratio | 17.9622% | 2,036 |
| Total risk-based capital ratio | 19.2178% | 1,966 |
| Memoranda: | ||
| Average total assets | $531,759,330 | 1,322 |
| Average earning assets | $452,534,330 | 1,425 |
| Average equity | $93,404,670 | 713 |
| Average total loans | $292,984,000 | 1,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 4,288 |
| Cost of funding earning assets | 1.6077% | 6,003 |
| Net interest margin | 4.0034% | 2,628 |
| Noninterest income to average assets | 1.2936% | 851 |
| Noninterest expense to average assets | 3.7902% | 1,491 |
| Loan and lease loss provision to assets | 0.5578% | 2,247 |
| Net operating income to assets | 0.3138% | 5,245 |
| Return on assets (ROA) | 0.3138% | 5,418 |
| Pretax return on assets | 0.3138% | 5,645 |
| Return on Equity (ROE) | 1.7484% | 5,860 |
| Retained earnings to average equity (ytd only) | -2.9753% | 6,273 |
| Net charge-offs to loans | 0.5714% | 2,037 |
| Credit loss provision to net charge-offs | 173.9234% | 2,476 |
| Earnings coverage of net charge-offs (x) | 2.7177% | 3,399 |
| Efficiency ratio | 77.8473% | 3,192 |
| Assets per employee ($millions) | 2.5422% | 7,201 |
| Cash dividends to net income (ytd only)* | 270.1711% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 1,647 |
| Loan loss allowance to noncurrent loans | 233.4748% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 5,087 |
| Noncurrent loans to loans | 0.8085% | 5,418 |
| Net loans and leases to total assets | 54.0892% | 6,455 |
| Net loans and leases to deposits | 67.6156% | 6,220 |
| Net loans and leases to core deposits | 77.6987% | 6,557 |
| Total domestic deposits to total assets | 79.9951% | 5,374 |
| Equity capital to assets | 17.7004% | 643 |
| Core capital (leverage) ratio | 12.6301% | 1,631 |
| Tier 1 risk-based capital ratio | 18.4650% | 1,941 |
| Total risk-based capital ratio | 19.7197% | 1,900 |
| Memoranda: | ||
| Average total assets | $521,345,500 | 1,357 |
| Average earning assets | $438,625,500 | 1,480 |
| Average equity | $93,569,000 | 707 |
| Average total loans | $292,613,500 | 1,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2904% | 4,017 |
| Cost of funding earning assets | 2.0458% | 6,257 |
| Net interest margin | 4.2446% | 2,134 |
| Noninterest income to average assets | 1.3324% | 814 |
| Noninterest expense to average assets | 3.7737% | 1,808 |
| Loan and lease loss provision to assets | 0.2105% | 4,789 |
| Net operating income to assets | 0.9349% | 2,856 |
| Return on assets (ROA) | 0.8810% | 2,931 |
| Pretax return on assets | 0.8810% | 3,797 |
| Return on Equity (ROE) | 4.6502% | 4,535 |
| Retained earnings to average equity (ytd only) | -10.1841% | 7,085 |
| Net charge-offs to loans | 0.1443% | 4,771 |
| Credit loss provision to net charge-offs | 252.0384% | 1,842 |
| Earnings coverage of net charge-offs (x) | 13.7146% | 2,109 |
| Efficiency ratio | 73.9394% | 3,587 |
| Assets per employee ($millions) | 2.4127% | 7,380 |
| Cash dividends to net income (ytd only)* | 319.0043% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 1,711 |
| Loan loss allowance to noncurrent loans | 124.8858% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 3,721 |
| Noncurrent loans to loans | 1.4160% | 3,682 |
| Net loans and leases to total assets | 56.1415% | 6,419 |
| Net loans and leases to deposits | 71.1943% | 6,143 |
| Net loans and leases to core deposits | 83.6782% | 6,320 |
| Total domestic deposits to total assets | 78.8568% | 5,430 |
| Equity capital to assets | 18.2020% | 627 |
| Core capital (leverage) ratio | 12.7084% | 1,664 |
| Tier 1 risk-based capital ratio | 18.6480% | 1,877 |
| Total risk-based capital ratio | 19.9016% | 1,830 |
| Memoranda: | ||
| Average total assets | $499,321,200 | 1,349 |
| Average earning assets | $421,928,400 | 1,477 |
| Average equity | $94,598,800 | 707 |
| Average total loans | $289,031,200 | 1,674 |