Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 2,496 |
| Cost of funding earning assets | 1.6048% | 3,163 |
| Net interest margin | 3.7118% | 1,662 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 2.7910% | 1,520 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 1.3203% | 1,240 |
| Return on assets (ROA) | 1.3203% | 1,241 |
| Pretax return on assets | 1.3203% | 1,698 |
| Return on Equity (ROE) | 10.3400% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.0118% | 3,362 |
| Net charge-offs to loans | 0.1424% | 915 |
| Credit loss provision to net charge-offs | 219.9226% | 1,077 |
| Earnings coverage of net charge-offs (x) | 16.3017% | 1,987 |
| Efficiency ratio | 64.6491% | 2,652 |
| Assets per employee ($millions) | 4.7026% | 3,826 |
| Cash dividends to net income (ytd only)* | 80.5376% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 929 |
| Loan loss allowance to noncurrent loans | 992.3077% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,727 |
| Noncurrent loans to loans | 0.1542% | 2,902 |
| Net loans and leases to total assets | 67.5600% | 2,191 |
| Net loans and leases to deposits | 78.6743% | 2,238 |
| Net loans and leases to core deposits | 81.8746% | 2,639 |
| Total domestic deposits to total assets | 85.8700% | 2,259 |
| Equity capital to assets | 13.3287% | 816 |
| Core capital (leverage) ratio | 13.2910% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $552,243,800 | 1,649 |
| Average earning assets | $518,995,200 | 1,629 |
| Average equity | $70,533,400 | 1,313 |
| Average total loans | $363,089,000 | 1,639 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 2,513 |
| Cost of funding earning assets | 1.5924% | 3,189 |
| Net interest margin | 3.6798% | 1,682 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 2.7672% | 1,528 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.3681% | 1,173 |
| Return on assets (ROA) | 1.3681% | 1,176 |
| Pretax return on assets | 1.3681% | 1,599 |
| Return on Equity (ROE) | 10.8300% | 1,955 |
| Retained earnings to average equity (ytd only) | -0.3345% | 4,058 |
| Net charge-offs to loans | 0.2153% | 555 |
| Credit loss provision to net charge-offs | 77.1870% | 1,869 |
| Earnings coverage of net charge-offs (x) | 10.5420% | 2,115 |
| Efficiency ratio | 65.2120% | 2,567 |
| Assets per employee ($millions) | 4.6462% | 3,864 |
| Cash dividends to net income (ytd only)* | 103.0899% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,599 |
| Loan loss allowance to noncurrent loans | 1,016.9421% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,810 |
| Noncurrent loans to loans | 0.1305% | 3,022 |
| Net loans and leases to total assets | 66.7700% | 2,236 |
| Net loans and leases to deposits | 77.4239% | 2,393 |
| Net loans and leases to core deposits | 80.9022% | 2,753 |
| Total domestic deposits to total assets | 86.2400% | 1,847 |
| Equity capital to assets | 12.8998% | 991 |
| Core capital (leverage) ratio | 12.7923% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $555,103,750 | 1,634 |
| Average earning assets | $521,977,250 | 1,617 |
| Average equity | $70,146,250 | 1,312 |
| Average total loans | $361,099,250 | 1,644 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 2,694 |
| Cost of funding earning assets | 1.5338% | 3,215 |
| Net interest margin | 3.5957% | 1,795 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 2.7511% | 1,564 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.3104% | 1,244 |
| Return on assets (ROA) | 1.3104% | 1,256 |
| Pretax return on assets | 1.3104% | 1,675 |
| Return on Equity (ROE) | 10.4400% | 2,045 |
| Retained earnings to average equity (ytd only) | -2.6160% | 4,190 |
| Net charge-offs to loans | 0.1230% | 774 |
| Credit loss provision to net charge-offs | 136.3636% | 1,268 |
| Earnings coverage of net charge-offs (x) | 17.9636% | 1,688 |
| Efficiency ratio | 65.9867% | 2,545 |
| Assets per employee ($millions) | 4.6130% | 3,863 |
| Cash dividends to net income (ytd only)* | 125.0548% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,400 |
| Loan loss allowance to noncurrent loans | 254.4599% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,584 |
| Noncurrent loans to loans | 0.5483% | 1,640 |
| Net loans and leases to total assets | 64.4900% | 2,508 |
| Net loans and leases to deposits | 74.2606% | 2,681 |
| Net loans and leases to core deposits | 77.6150% | 2,940 |
| Total domestic deposits to total assets | 86.8400% | 1,707 |
| Equity capital to assets | 12.4126% | 1,034 |
| Core capital (leverage) ratio | 12.5968% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $557,386,667 | 1,625 |
| Average earning assets | $524,564,000 | 1,603 |
| Average equity | $69,953,667 | 1,310 |
| Average total loans | $357,803,667 | 1,649 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 2,727 |
| Cost of funding earning assets | 1.4870% | 3,216 |
| Net interest margin | 3.5467% | 1,812 |
| Noninterest income to average assets | 0.7200% | 981 |
| Noninterest expense to average assets | 2.7107% | 1,652 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.2396% | 1,352 |
| Return on assets (ROA) | 1.2396% | 1,360 |
| Pretax return on assets | 1.2396% | 1,795 |
| Return on Equity (ROE) | 9.8200% | 2,180 |
| Retained earnings to average equity (ytd only) | -8.8169% | 4,269 |
| Net charge-offs to loans | 0.0113% | 1,671 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 186.9000% | 431 |
| Efficiency ratio | 66.7910% | 2,516 |
| Assets per employee ($millions) | 4.5903% | 3,896 |
| Cash dividends to net income (ytd only)* | 189.7615% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,194 |
| Loan loss allowance to noncurrent loans | 389.5052% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,159 |
| Noncurrent loans to loans | 0.3740% | 2,013 |
| Net loans and leases to total assets | 63.2700% | 2,540 |
| Net loans and leases to deposits | 72.8738% | 2,688 |
| Net loans and leases to core deposits | 76.0768% | 2,974 |
| Total domestic deposits to total assets | 86.8300% | 1,833 |
| Equity capital to assets | 12.4627% | 1,001 |
| Core capital (leverage) ratio | 12.7535% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $554,685,000 | 1,641 |
| Average earning assets | $521,839,000 | 1,625 |
| Average equity | $70,002,000 | 1,304 |
| Average total loans | $352,668,000 | 1,658 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 2,733 |
| Cost of funding earning assets | 0.8020% | 3,724 |
| Net interest margin | 3.8714% | 1,439 |
| Noninterest income to average assets | 1.7400% | 317 |
| Noninterest expense to average assets | 2.8467% | 1,400 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.4270% | 260 |
| Return on assets (ROA) | 2.4270% | 251 |
| Pretax return on assets | 2.4270% | 363 |
| Return on Equity (ROE) | 20.3900% | 580 |
| Retained earnings to average equity (ytd only) | 10.1115% | 992 |
| Net charge-offs to loans | 0.1635% | 640 |
| Credit loss provision to net charge-offs | 107.7199% | 1,768 |
| Earnings coverage of net charge-offs (x) | 25.8510% | 1,722 |
| Efficiency ratio | 52.9183% | 3,760 |
| Assets per employee ($millions) | 4.5780% | 3,903 |
| Cash dividends to net income (ytd only)* | 50.4204% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,203 |
| Loan loss allowance to noncurrent loans | 2,123.9496% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,323 |
| Noncurrent loans to loans | 0.0683% | 3,224 |
| Net loans and leases to total assets | 62.0400% | 2,672 |
| Net loans and leases to deposits | 71.7224% | 2,765 |
| Net loans and leases to core deposits | 74.4480% | 3,052 |
| Total domestic deposits to total assets | 86.4900% | 1,864 |
| Equity capital to assets | 12.7780% | 911 |
| Core capital (leverage) ratio | 12.6547% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $568,519,400 | 1,559 |
| Average earning assets | $534,530,800 | 1,534 |
| Average equity | $67,655,400 | 1,279 |
| Average total loans | $340,741,200 | 1,644 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 2,886 |
| Cost of funding earning assets | 0.7108% | 3,741 |
| Net interest margin | 3.8011% | 1,594 |
| Noninterest income to average assets | 2.0400% | 279 |
| Noninterest expense to average assets | 2.8814% | 1,265 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 2.6321% | 237 |
| Return on assets (ROA) | 2.6321% | 233 |
| Pretax return on assets | 2.6321% | 335 |
| Return on Equity (ROE) | 22.5200% | 522 |
| Retained earnings to average equity (ytd only) | 15.1546% | 536 |
| Net charge-offs to loans | 0.1425% | 576 |
| Credit loss provision to net charge-offs | 124.3094% | 1,456 |
| Earnings coverage of net charge-offs (x) | 32.4475% | 1,554 |
| Efficiency ratio | 51.2836% | 3,811 |
| Assets per employee ($millions) | 4.5816% | 3,890 |
| Cash dividends to net income (ytd only)* | 32.7047% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,147 |
| Loan loss allowance to noncurrent loans | 754.4379% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 2,368 |
| Noncurrent loans to loans | 0.1968% | 2,569 |
| Net loans and leases to total assets | 59.1000% | 2,928 |
| Net loans and leases to deposits | 68.1187% | 2,975 |
| Net loans and leases to core deposits | 70.3497% | 3,192 |
| Total domestic deposits to total assets | 86.7600% | 1,965 |
| Equity capital to assets | 12.4845% | 926 |
| Core capital (leverage) ratio | 12.5355% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $572,163,250 | 1,549 |
| Average earning assets | $537,938,250 | 1,529 |
| Average equity | $66,873,500 | 1,285 |
| Average total loans | $338,752,750 | 1,647 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 2,930 |
| Cost of funding earning assets | 0.5934% | 3,769 |
| Net interest margin | 3.7884% | 1,652 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.7448% | 1,538 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6626% | 847 |
| Return on assets (ROA) | 1.6626% | 849 |
| Pretax return on assets | 1.6626% | 1,290 |
| Return on Equity (ROE) | 14.5600% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.2339% | 2,216 |
| Net charge-offs to loans | 0.1020% | 672 |
| Credit loss provision to net charge-offs | 174.4186% | 1,107 |
| Earnings coverage of net charge-offs (x) | 29.3953% | 1,560 |
| Efficiency ratio | 60.8244% | 2,859 |
| Assets per employee ($millions) | 4.7936% | 3,754 |
| Cash dividends to net income (ytd only)* | 50.3049% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,214 |
| Loan loss allowance to noncurrent loans | 384.7305% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,536 |
| Noncurrent loans to loans | 0.3871% | 1,764 |
| Net loans and leases to total assets | 59.1000% | 2,860 |
| Net loans and leases to deposits | 67.2991% | 2,965 |
| Net loans and leases to core deposits | 69.2797% | 3,172 |
| Total domestic deposits to total assets | 87.8200% | 1,669 |
| Equity capital to assets | 11.5257% | 1,197 |
| Core capital (leverage) ratio | 11.5419% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $571,983,333 | 1,552 |
| Average earning assets | $537,540,333 | 1,539 |
| Average equity | $65,331,667 | 1,299 |
| Average total loans | $337,146,000 | 1,641 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,144 |
| Cost of funding earning assets | 0.5017% | 3,683 |
| Net interest margin | 3.6473% | 2,015 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 2.7891% | 1,457 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.6109% | 963 |
| Return on assets (ROA) | 1.6109% | 962 |
| Pretax return on assets | 1.6109% | 1,433 |
| Return on Equity (ROE) | 14.1700% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.4633% | 2,371 |
| Net charge-offs to loans | 0.1801% | 401 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 16.3133% | 1,520 |
| Efficiency ratio | 61.9085% | 2,711 |
| Assets per employee ($millions) | 4.6692% | 3,919 |
| Cash dividends to net income (ytd only)* | 47.3226% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,291 |
| Loan loss allowance to noncurrent loans | 300.2996% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 1,067 |
| Noncurrent loans to loans | 0.4970% | 1,475 |
| Net loans and leases to total assets | 56.6800% | 2,988 |
| Net loans and leases to deposits | 64.2494% | 3,064 |
| Net loans and leases to core deposits | 65.9934% | 3,225 |
| Total domestic deposits to total assets | 88.2100% | 1,852 |
| Equity capital to assets | 11.1641% | 1,283 |
| Core capital (leverage) ratio | 11.4787% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5049% | 699 |
| Memoranda: | ||
| Average total assets | $570,360,500 | 1,577 |
| Average earning assets | $535,745,000 | 1,549 |
| Average equity | $64,850,500 | 1,317 |
| Average total loans | $333,166,000 | 1,672 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 3,593 |
| Cost of funding earning assets | 0.2340% | 3,472 |
| Net interest margin | 3.0601% | 3,288 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.5352% | 2,010 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0864% | 2,231 |
| Return on assets (ROA) | 1.0864% | 2,170 |
| Pretax return on assets | 1.0864% | 2,815 |
| Return on Equity (ROE) | 10.1200% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.8994% | 3,091 |
| Net charge-offs to loans | 0.0247% | 1,565 |
| Credit loss provision to net charge-offs | 625.0000% | 584 |
| Earnings coverage of net charge-offs (x) | 85.2625% | 1,055 |
| Efficiency ratio | 68.3788% | 1,915 |
| Assets per employee ($millions) | 4.8441% | 3,783 |
| Cash dividends to net income (ytd only)* | 51.6058% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,156 |
| Loan loss allowance to noncurrent loans | 189.2749% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 833 |
| Noncurrent loans to loans | 0.8012% | 929 |
| Net loans and leases to total assets | 58.4300% | 2,781 |
| Net loans and leases to deposits | 66.5211% | 2,857 |
| Net loans and leases to core deposits | 68.1043% | 3,004 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 11.5859% | 1,058 |
| Core capital (leverage) ratio | 11.5350% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $581,814,200 | 1,534 |
| Average earning assets | $547,459,800 | 1,510 |
| Average equity | $62,435,600 | 1,355 |
| Average total loans | $323,890,400 | 1,626 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 3,734 |
| Cost of funding earning assets | 0.1905% | 3,391 |
| Net interest margin | 2.8809% | 3,538 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.5029% | 2,009 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9759% | 2,560 |
| Return on assets (ROA) | 0.9759% | 2,536 |
| Pretax return on assets | 0.9759% | 3,089 |
| Return on Equity (ROE) | 9.2700% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.2441% | 3,970 |
| Net charge-offs to loans | -0.1456% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3416% | 1,717 |
| Assets per employee ($millions) | 4.9334% | 3,732 |
| Cash dividends to net income (ytd only)* | 75.7900% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 962 |
| Loan loss allowance to noncurrent loans | 202.7182% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 879 |
| Noncurrent loans to loans | 0.8146% | 978 |
| Net loans and leases to total assets | 55.1000% | 2,994 |
| Net loans and leases to deposits | 62.2465% | 3,003 |
| Net loans and leases to core deposits | 63.7653% | 3,141 |
| Total domestic deposits to total assets | 88.5300% | 2,267 |
| Equity capital to assets | 10.9161% | 1,209 |
| Core capital (leverage) ratio | 10.7812% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $588,001,250 | 1,521 |
| Average earning assets | $553,705,250 | 1,499 |
| Average equity | $61,909,250 | 1,381 |
| Average total loans | $322,233,250 | 1,626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8503% | 3,890 |
| Cost of funding earning assets | 0.1857% | 3,105 |
| Net interest margin | 2.6645% | 3,788 |
| Noninterest income to average assets | 0.8775% | 883 |
| Noninterest expense to average assets | 2.3788% | 2,303 |
| Loan and lease loss provision to assets | 0.1011% | 989 |
| Net operating income to assets | 0.9076% | 2,552 |
| Return on assets (ROA) | 0.9076% | 2,524 |
| Pretax return on assets | 0.9076% | 3,038 |
| Return on Equity (ROE) | 8.7229% | 2,783 |
| Retained earnings to average equity (ytd only) | 1.6752% | 3,831 |
| Net charge-offs to loans | -0.2039% | 4,595 |
| Credit loss provision to net charge-offs | -91.1854% | 3,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2229% | 1,930 |
| Assets per employee ($millions) | 5.0793% | 3,608 |
| Cash dividends to net income (ytd only)* | 80.7949% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 998 |
| Loan loss allowance to noncurrent loans | 1,094.5493% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 1,644 |
| Noncurrent loans to loans | 0.1532% | 2,926 |
| Net loans and leases to total assets | 51.5070% | 3,215 |
| Net loans and leases to deposits | 58.1674% | 3,210 |
| Net loans and leases to core deposits | 59.7759% | 3,285 |
| Total domestic deposits to total assets | 88.5496% | 2,358 |
| Equity capital to assets | 10.4245% | 1,468 |
| Core capital (leverage) ratio | 10.3373% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7263% | 640 |
| Memoranda: | ||
| Average total assets | $593,244,000 | 1,512 |
| Average earning assets | $558,822,333 | 1,496 |
| Average equity | $61,722,333 | 1,411 |
| Average total loans | $322,764,333 | 1,624 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7391% | 3,864 |
| Cost of funding earning assets | 0.1956% | 2,857 |
| Net interest margin | 2.5435% | 3,801 |
| Noninterest income to average assets | 0.7659% | 1,129 |
| Noninterest expense to average assets | 2.3957% | 2,184 |
| Loan and lease loss provision to assets | 0.1012% | 820 |
| Net operating income to assets | 0.6647% | 3,176 |
| Return on assets (ROA) | 0.6647% | 3,158 |
| Pretax return on assets | 0.6647% | 3,486 |
| Return on Equity (ROE) | 6.3952% | 3,218 |
| Retained earnings to average equity (ytd only) | -0.6622% | 4,104 |
| Net charge-offs to loans | -0.1096% | 4,481 |
| Credit loss provision to net charge-offs | -166.6667% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7737% | 1,555 |
| Assets per employee ($millions) | 5.1674% | 3,608 |
| Cash dividends to net income (ytd only)* | 110.3553% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,657 |
| Loan loss allowance to noncurrent loans | 112.3982% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 540 |
| Noncurrent loans to loans | 1.3058% | 670 |
| Net loans and leases to total assets | 53.6541% | 2,805 |
| Net loans and leases to deposits | 60.7170% | 2,832 |
| Net loans and leases to core deposits | 62.4308% | 2,936 |
| Total domestic deposits to total assets | 88.3675% | 2,348 |
| Equity capital to assets | 10.1731% | 1,774 |
| Core capital (leverage) ratio | 10.3572% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9162% | 914 |
| Memoranda: | ||
| Average total assets | $592,728,500 | 1,516 |
| Average earning assets | $558,283,000 | 1,508 |
| Average equity | $61,608,500 | 1,450 |
| Average total loans | $328,489,500 | 1,592 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 4,112 |
| Cost of funding earning assets | 0.5193% | 852 |
| Net interest margin | 2.3452% | 4,376 |
| Noninterest income to average assets | 1.0570% | 907 |
| Noninterest expense to average assets | 2.4095% | 2,461 |
| Loan and lease loss provision to assets | 0.1093% | 1,156 |
| Net operating income to assets | 0.7162% | 3,587 |
| Return on assets (ROA) | 0.7162% | 3,643 |
| Pretax return on assets | 0.7162% | 3,899 |
| Return on Equity (ROE) | 7.2112% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,390 |
| Net charge-offs to loans | 0.3523% | 241 |
| Credit loss provision to net charge-offs | 53.5280% | 2,114 |
| Earnings coverage of net charge-offs (x) | 4.0438% | 2,510 |
| Efficiency ratio | 74.4818% | 1,255 |
| Assets per employee ($millions) | 5.0954% | 3,650 |
| Cash dividends to net income (ytd only)* | 50.2774% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,913 |
| Loan loss allowance to noncurrent loans | 53.9918% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7277% | 217 |
| Noncurrent loans to loans | 2.5949% | 255 |
| Net loans and leases to total assets | 55.6354% | 2,659 |
| Net loans and leases to deposits | 63.3064% | 2,753 |
| Net loans and leases to core deposits | 65.5413% | 2,859 |
| Total domestic deposits to total assets | 87.8827% | 2,111 |
| Equity capital to assets | 10.6240% | 2,069 |
| Core capital (leverage) ratio | 10.6540% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,993,800 | 1,443 |
| Average earning assets | $560,934,400 | 1,450 |
| Average equity | $59,990,400 | 1,512 |
| Average total loans | $349,951,400 | 1,518 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 4,182 |
| Cost of funding earning assets | 0.5729% | 732 |
| Net interest margin | 2.3221% | 4,469 |
| Noninterest income to average assets | 1.1202% | 905 |
| Noninterest expense to average assets | 2.4105% | 2,406 |
| Loan and lease loss provision to assets | 0.1115% | 1,084 |
| Net operating income to assets | 0.7482% | 3,660 |
| Return on assets (ROA) | 0.7482% | 3,722 |
| Pretax return on assets | 0.7482% | 3,995 |
| Return on Equity (ROE) | 7.6604% | 3,488 |
| Retained earnings to average equity (ytd only) | 2.7915% | 3,970 |
| Net charge-offs to loans | 0.0454% | 1,213 |
| Credit loss provision to net charge-offs | 421.4876% | 837 |
| Earnings coverage of net charge-offs (x) | 32.4959% | 1,484 |
| Efficiency ratio | 73.7095% | 1,237 |
| Assets per employee ($millions) | 5.0514% | 3,652 |
| Cash dividends to net income (ytd only)* | 63.5593% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,316 |
| Loan loss allowance to noncurrent loans | 54.9402% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9170% | 205 |
| Noncurrent loans to loans | 2.9318% | 226 |
| Net loans and leases to total assets | 58.4127% | 2,435 |
| Net loans and leases to deposits | 66.4001% | 2,592 |
| Net loans and leases to core deposits | 68.7378% | 2,713 |
| Total domestic deposits to total assets | 87.9707% | 1,866 |
| Equity capital to assets | 10.4671% | 2,475 |
| Core capital (leverage) ratio | 10.2748% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $609,774,000 | 1,447 |
| Average earning assets | $564,595,500 | 1,460 |
| Average equity | $59,560,000 | 1,546 |
| Average total loans | $355,498,500 | 1,530 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8803% | 4,249 |
| Cost of funding earning assets | 0.6544% | 557 |
| Net interest margin | 2.2259% | 4,579 |
| Noninterest income to average assets | 0.6552% | 1,988 |
| Noninterest expense to average assets | 2.3717% | 2,551 |
| Loan and lease loss provision to assets | 0.1162% | 1,086 |
| Net operating income to assets | 0.2322% | 4,602 |
| Return on assets (ROA) | 0.2322% | 4,615 |
| Pretax return on assets | 0.2322% | 4,649 |
| Return on Equity (ROE) | 2.4313% | 4,551 |
| Retained earnings to average equity (ytd only) | -1.2444% | 4,626 |
| Net charge-offs to loans | 0.0078% | 1,851 |
| Credit loss provision to net charge-offs | 2,571.4286% | 236 |
| Earnings coverage of net charge-offs (x) | 77.0714% | 853 |
| Efficiency ratio | 87.1914% | 427 |
| Assets per employee ($millions) | 5.3537% | 3,285 |
| Cash dividends to net income (ytd only)* | 151.1822% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,294 |
| Loan loss allowance to noncurrent loans | 49.9140% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 228 |
| Noncurrent loans to loans | 3.1880% | 219 |
| Net loans and leases to total assets | 54.4098% | 3,094 |
| Net loans and leases to deposits | 61.5030% | 3,250 |
| Net loans and leases to core deposits | 63.5667% | 3,327 |
| Total domestic deposits to total assets | 88.4668% | 1,584 |
| Equity capital to assets | 9.4485% | 3,385 |
| Core capital (leverage) ratio | 9.3277% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7029% | 1,419 |
| Memoranda: | ||
| Average total assets | $619,396,000 | 1,424 |
| Average earning assets | $574,593,333 | 1,432 |
| Average equity | $59,145,333 | 1,541 |
| Average total loans | $359,038,333 | 1,528 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9242% | 4,224 |
| Cost of funding earning assets | 0.6835% | 581 |
| Net interest margin | 2.2407% | 4,582 |
| Noninterest income to average assets | 0.6066% | 2,176 |
| Noninterest expense to average assets | 2.3815% | 2,553 |
| Loan and lease loss provision to assets | 0.1364% | 988 |
| Net operating income to assets | 0.1792% | 4,650 |
| Return on assets (ROA) | 0.1812% | 4,673 |
| Pretax return on assets | 0.1812% | 4,684 |
| Return on Equity (ROE) | 1.8875% | 4,615 |
| Retained earnings to average equity (ytd only) | -5.4663% | 4,713 |
| Net charge-offs to loans | 0.0142% | 1,460 |
| Credit loss provision to net charge-offs | 1,615.3846% | 290 |
| Earnings coverage of net charge-offs (x) | 37.3846% | 1,007 |
| Efficiency ratio | 88.2976% | 430 |
| Assets per employee ($millions) | 5.5917% | 3,029 |
| Cash dividends to net income (ytd only)* | 389.6057% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,586 |
| Loan loss allowance to noncurrent loans | 46.9733% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9517% | 265 |
| Noncurrent loans to loans | 3.2071% | 233 |
| Net loans and leases to total assets | 54.9949% | 3,144 |
| Net loans and leases to deposits | 61.9291% | 3,321 |
| Net loans and leases to core deposits | 64.0100% | 3,412 |
| Total domestic deposits to total assets | 88.8030% | 1,438 |
| Equity capital to assets | 9.2001% | 3,495 |
| Core capital (leverage) ratio | 9.6304% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8984% | 1,326 |
| Memoranda: | ||
| Average total assets | $615,902,000 | 1,420 |
| Average earning assets | $574,653,500 | 1,422 |
| Average equity | $59,126,000 | 1,537 |
| Average total loans | $365,395,000 | 1,506 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 3,249 |
| Cost of funding earning assets | 0.9960% | 603 |
| Net interest margin | 2.8227% | 4,230 |
| Noninterest income to average assets | 0.9170% | 1,225 |
| Noninterest expense to average assets | 2.7545% | 2,058 |
| Loan and lease loss provision to assets | 0.2230% | 1,755 |
| Net operating income to assets | 0.5828% | 3,806 |
| Return on assets (ROA) | 0.5828% | 3,912 |
| Pretax return on assets | 0.5828% | 4,113 |
| Return on Equity (ROE) | 5.8949% | 3,615 |
| Retained earnings to average equity (ytd only) | 0.3677% | 4,404 |
| Net charge-offs to loans | 0.3121% | 566 |
| Credit loss provision to net charge-offs | 101.2167% | 2,802 |
| Earnings coverage of net charge-offs (x) | 3.6578% | 3,062 |
| Efficiency ratio | 77.3679% | 1,096 |
| Assets per employee ($millions) | 4.7548% | 3,657 |
| Cash dividends to net income (ytd only)* | 93.7626% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,062 |
| Loan loss allowance to noncurrent loans | 111.8934% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 1,014 |
| Noncurrent loans to loans | 1.2314% | 1,128 |
| Net loans and leases to total assets | 62.2017% | 2,581 |
| Net loans and leases to deposits | 70.7777% | 2,798 |
| Net loans and leases to core deposits | 74.1228% | 2,903 |
| Total domestic deposits to total assets | 87.8831% | 1,538 |
| Equity capital to assets | 10.0287% | 3,107 |
| Core capital (leverage) ratio | 9.9276% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,953,200 | 1,336 |
| Average earning assets | $559,013,200 | 1,322 |
| Average equity | $59,017,000 | 1,466 |
| Average total loans | $421,357,000 | 1,295 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 2,959 |
| Cost of funding earning assets | 1.0413% | 658 |
| Net interest margin | 2.9633% | 4,061 |
| Noninterest income to average assets | 0.9437% | 1,130 |
| Noninterest expense to average assets | 2.8839% | 1,742 |
| Loan and lease loss provision to assets | 0.2502% | 1,616 |
| Net operating income to assets | 0.5895% | 3,796 |
| Return on assets (ROA) | 0.5895% | 3,894 |
| Pretax return on assets | 0.5895% | 4,117 |
| Return on Equity (ROE) | 5.9837% | 3,556 |
| Retained earnings to average equity (ytd only) | -1.4019% | 4,653 |
| Net charge-offs to loans | 0.1038% | 1,278 |
| Credit loss provision to net charge-offs | 332.6409% | 1,657 |
| Earnings coverage of net charge-offs (x) | 11.1662% | 2,313 |
| Efficiency ratio | 77.4522% | 1,092 |
| Assets per employee ($millions) | 4.8364% | 3,445 |
| Cash dividends to net income (ytd only)* | 123.4292% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,530 |
| Loan loss allowance to noncurrent loans | 108.5835% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 979 |
| Noncurrent loans to loans | 1.3366% | 1,105 |
| Net loans and leases to total assets | 66.6404% | 2,434 |
| Net loans and leases to deposits | 77.0666% | 2,646 |
| Net loans and leases to core deposits | 80.7699% | 2,776 |
| Total domestic deposits to total assets | 86.4712% | 1,873 |
| Equity capital to assets | 9.7222% | 3,496 |
| Core capital (leverage) ratio | 9.5991% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6698% | 1,604 |
| Memoranda: | ||
| Average total assets | $597,603,000 | 1,315 |
| Average earning assets | $560,571,500 | 1,307 |
| Average equity | $58,869,750 | 1,457 |
| Average total loans | $432,980,500 | 1,264 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,046 |
| Cost of funding earning assets | 1.1145% | 685 |
| Net interest margin | 2.9897% | 4,146 |
| Noninterest income to average assets | 0.8638% | 1,255 |
| Noninterest expense to average assets | 2.9260% | 1,770 |
| Loan and lease loss provision to assets | 0.3024% | 1,426 |
| Net operating income to assets | 0.4384% | 4,148 |
| Return on assets (ROA) | 0.4384% | 4,211 |
| Pretax return on assets | 0.4384% | 4,355 |
| Return on Equity (ROE) | 4.4312% | 3,991 |
| Retained earnings to average equity (ytd only) | -2.9541% | 4,651 |
| Net charge-offs to loans | 0.0512% | 1,755 |
| Credit loss provision to net charge-offs | 796.4602% | 923 |
| Earnings coverage of net charge-offs (x) | 19.5133% | 1,716 |
| Efficiency ratio | 79.7966% | 906 |
| Assets per employee ($millions) | 4.4807% | 3,811 |
| Cash dividends to net income (ytd only)* | 166.6667% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,677 |
| Loan loss allowance to noncurrent loans | 56.5657% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 358 |
| Noncurrent loans to loans | 2.4277% | 495 |
| Net loans and leases to total assets | 69.4519% | 2,118 |
| Net loans and leases to deposits | 80.0693% | 2,416 |
| Net loans and leases to core deposits | 83.7846% | 2,627 |
| Total domestic deposits to total assets | 86.7398% | 1,715 |
| Equity capital to assets | 9.5358% | 3,629 |
| Core capital (leverage) ratio | 9.3104% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0243% | 1,808 |
| Memoranda: | ||
| Average total assets | $595,286,000 | 1,304 |
| Average earning assets | $558,114,667 | 1,300 |
| Average equity | $58,901,000 | 1,445 |
| Average total loans | $441,037,333 | 1,229 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 2,879 |
| Cost of funding earning assets | 1.1551% | 891 |
| Net interest margin | 3.1594% | 3,961 |
| Noninterest income to average assets | 0.7816% | 1,364 |
| Noninterest expense to average assets | 2.8996% | 2,125 |
| Loan and lease loss provision to assets | 0.3413% | 902 |
| Net operating income to assets | 0.5017% | 3,889 |
| Return on assets (ROA) | 0.5017% | 3,950 |
| Pretax return on assets | 0.5017% | 4,117 |
| Return on Equity (ROE) | 4.9760% | 3,641 |
| Retained earnings to average equity (ytd only) | -2.3831% | 4,292 |
| Net charge-offs to loans | 0.0242% | 1,879 |
| Credit loss provision to net charge-offs | 1,851.8519% | 360 |
| Earnings coverage of net charge-offs (x) | 45.7407% | 961 |
| Efficiency ratio | 77.4758% | 1,404 |
| Assets per employee ($millions) | 4.2138% | 3,642 |
| Cash dividends to net income (ytd only)* | 147.8912% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,241 |
| Loan loss allowance to noncurrent loans | 72.3144% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 673 |
| Noncurrent loans to loans | 1.7683% | 850 |
| Net loans and leases to total assets | 71.0229% | 2,088 |
| Net loans and leases to deposits | 81.9600% | 2,460 |
| Net loans and leases to core deposits | 90.5074% | 2,295 |
| Total domestic deposits to total assets | 86.6556% | 1,713 |
| Equity capital to assets | 9.6346% | 4,096 |
| Core capital (leverage) ratio | 10.0574% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0337% | 1,895 |
| Memoranda: | ||
| Average total assets | $586,003,000 | 1,281 |
| Average earning assets | $549,211,500 | 1,269 |
| Average equity | $59,083,500 | 1,435 |
| Average total loans | $445,422,000 | 1,194 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 2,552 |
| Cost of funding earning assets | 1.1129% | 1,276 |
| Net interest margin | 3.5047% | 3,434 |
| Noninterest income to average assets | 0.8573% | 1,282 |
| Noninterest expense to average assets | 3.1139% | 1,726 |
| Loan and lease loss provision to assets | 0.1299% | 1,653 |
| Net operating income to assets | 0.9021% | 3,203 |
| Return on assets (ROA) | 0.9021% | 3,291 |
| Pretax return on assets | 0.9021% | 3,740 |
| Return on Equity (ROE) | 9.2002% | 2,657 |
| Retained earnings to average equity (ytd only) | 3.2820% | 3,368 |
| Net charge-offs to loans | 0.0428% | 2,536 |
| Credit loss provision to net charge-offs | 380.2083% | 736 |
| Earnings coverage of net charge-offs (x) | 30.2135% | 1,575 |
| Efficiency ratio | 75.1083% | 1,470 |
| Assets per employee ($millions) | 3.8690% | 4,066 |
| Cash dividends to net income (ytd only)* | 64.3266% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,743 |
| Loan loss allowance to noncurrent loans | 160.1555% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 1,433 |
| Noncurrent loans to loans | 0.7124% | 2,093 |
| Net loans and leases to total assets | 79.5221% | 851 |
| Net loans and leases to deposits | 93.1887% | 1,232 |
| Net loans and leases to core deposits | 107.9299% | 981 |
| Total domestic deposits to total assets | 85.3345% | 2,372 |
| Equity capital to assets | 10.5702% | 3,374 |
| Core capital (leverage) ratio | 10.6750% | 2,787 |
| Tier 1 risk-based capital ratio | 14.0614% | 3,236 |
| Total risk-based capital ratio | 15.2837% | 3,160 |
| Memoranda: | ||
| Average total assets | $562,132,400 | 1,284 |
| Average earning assets | $527,468,400 | 1,271 |
| Average equity | $55,118,200 | 1,470 |
| Average total loans | $448,602,200 | 1,163 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 2,663 |
| Cost of funding earning assets | 1.1073% | 1,321 |
| Net interest margin | 3.5116% | 3,530 |
| Noninterest income to average assets | 0.8451% | 1,290 |
| Noninterest expense to average assets | 3.1326% | 1,630 |
| Loan and lease loss provision to assets | 0.0498% | 2,904 |
| Net operating income to assets | 0.9611% | 3,118 |
| Return on assets (ROA) | 0.9611% | 3,199 |
| Pretax return on assets | 0.9611% | 3,709 |
| Return on Equity (ROE) | 9.9962% | 2,429 |
| Retained earnings to average equity (ytd only) | 1.9529% | 4,291 |
| Net charge-offs to loans | 0.0438% | 2,214 |
| Credit loss provision to net charge-offs | 142.8571% | 1,697 |
| Earnings coverage of net charge-offs (x) | 29.0061% | 1,658 |
| Efficiency ratio | 75.6036% | 1,371 |
| Assets per employee ($millions) | 3.8440% | 4,109 |
| Cash dividends to net income (ytd only)* | 80.4636% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,418 |
| Loan loss allowance to noncurrent loans | 541.5991% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,595 |
| Noncurrent loans to loans | 0.1895% | 3,859 |
| Net loans and leases to total assets | 80.8686% | 722 |
| Net loans and leases to deposits | 94.6885% | 1,156 |
| Net loans and leases to core deposits | 106.7443% | 1,127 |
| Total domestic deposits to total assets | 85.4049% | 2,251 |
| Equity capital to assets | 10.4570% | 3,576 |
| Core capital (leverage) ratio | 10.4059% | 3,189 |
| Tier 1 risk-based capital ratio | 13.8222% | 3,412 |
| Total risk-based capital ratio | 14.9319% | 3,392 |
| Memoranda: | ||
| Average total assets | $562,413,000 | 1,291 |
| Average earning assets | $528,255,250 | 1,279 |
| Average equity | $54,072,750 | 1,493 |
| Average total loans | $447,933,750 | 1,167 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,856 |
| Cost of funding earning assets | 1.0940% | 1,321 |
| Net interest margin | 3.4536% | 3,736 |
| Noninterest income to average assets | 0.8077% | 1,326 |
| Noninterest expense to average assets | 3.0843% | 1,777 |
| Loan and lease loss provision to assets | 0.0496% | 2,829 |
| Net operating income to assets | 0.9197% | 3,208 |
| Return on assets (ROA) | 0.9197% | 3,271 |
| Pretax return on assets | 0.9197% | 3,791 |
| Return on Equity (ROE) | 9.8503% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.5911% | 4,256 |
| Net charge-offs to loans | 0.0557% | 1,847 |
| Credit loss provision to net charge-offs | 112.9032% | 1,818 |
| Earnings coverage of net charge-offs (x) | 22.0484% | 1,711 |
| Efficiency ratio | 76.0868% | 1,388 |
| Assets per employee ($millions) | 3.9798% | 3,891 |
| Cash dividends to net income (ytd only)* | 83.8473% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,445 |
| Loan loss allowance to noncurrent loans | 451.4146% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 2,158 |
| Noncurrent loans to loans | 0.2281% | 3,722 |
| Net loans and leases to total assets | 77.6157% | 1,289 |
| Net loans and leases to deposits | 90.3617% | 1,695 |
| Net loans and leases to core deposits | 99.4042% | 1,774 |
| Total domestic deposits to total assets | 85.8944% | 2,089 |
| Equity capital to assets | 10.1045% | 3,885 |
| Core capital (leverage) ratio | 10.1192% | 3,484 |
| Tier 1 risk-based capital ratio | 14.1244% | 3,251 |
| Total risk-based capital ratio | 15.2541% | 3,231 |
| Memoranda: | ||
| Average total assets | $564,091,330 | 1,288 |
| Average earning assets | $530,171,000 | 1,275 |
| Average equity | $52,668,670 | 1,523 |
| Average total loans | $445,439,000 | 1,174 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 3,090 |
| Cost of funding earning assets | 1.0588% | 1,344 |
| Net interest margin | 3.3788% | 3,939 |
| Noninterest income to average assets | 0.7198% | 1,544 |
| Noninterest expense to average assets | 2.9929% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8999% | 3,235 |
| Return on assets (ROA) | 0.8999% | 3,288 |
| Pretax return on assets | 0.8999% | 3,768 |
| Return on Equity (ROE) | 10.0620% | 2,346 |
| Retained earnings to average equity (ytd only) | 1.3746% | 4,235 |
| Net charge-offs to loans | 0.0244% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 46.6296% | 1,067 |
| Efficiency ratio | 76.8821% | 1,395 |
| Assets per employee ($millions) | 3.9953% | 3,932 |
| Cash dividends to net income (ytd only)* | 86.3384% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,518 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 2,578 |
| Noncurrent loans to loans | 0.0859% | 4,368 |
| Net loans and leases to total assets | 76.4645% | 1,402 |
| Net loans and leases to deposits | 87.5163% | 1,934 |
| Net loans and leases to core deposits | 95.9309% | 1,932 |
| Total domestic deposits to total assets | 87.3717% | 1,624 |
| Equity capital to assets | 8.7145% | 4,872 |
| Core capital (leverage) ratio | 9.0543% | 4,617 |
| Tier 1 risk-based capital ratio | 12.1979% | 4,356 |
| Total risk-based capital ratio | 13.3140% | 4,316 |
| Memoranda: | ||
| Average total assets | $559,595,000 | 1,300 |
| Average earning assets | $525,515,500 | 1,288 |
| Average equity | $50,049,500 | 1,574 |
| Average total loans | $443,443,500 | 1,182 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,645 |
| Cost of funding earning assets | 0.8883% | 1,142 |
| Net interest margin | 3.5476% | 3,554 |
| Noninterest income to average assets | 0.8463% | 1,320 |
| Noninterest expense to average assets | 2.9054% | 2,335 |
| Loan and lease loss provision to assets | 0.1310% | 1,676 |
| Net operating income to assets | 1.1427% | 2,421 |
| Return on assets (ROA) | 1.1584% | 2,350 |
| Pretax return on assets | 1.1584% | 3,070 |
| Return on Equity (ROE) | 12.8407% | 1,402 |
| Retained earnings to average equity (ytd only) | 6.0750% | 2,156 |
| Net charge-offs to loans | 0.0510% | 2,424 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 30.3884% | 1,584 |
| Efficiency ratio | 69.5232% | 2,279 |
| Assets per employee ($millions) | 3.8300% | 4,135 |
| Cash dividends to net income (ytd only)* | 52.6894% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,432 |
| Loan loss allowance to noncurrent loans | 313.2473% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 1,854 |
| Noncurrent loans to loans | 0.3327% | 3,361 |
| Net loans and leases to total assets | 80.4929% | 868 |
| Net loans and leases to deposits | 93.4252% | 1,343 |
| Net loans and leases to core deposits | 104.2885% | 1,392 |
| Total domestic deposits to total assets | 86.1575% | 2,154 |
| Equity capital to assets | 9.1865% | 4,419 |
| Core capital (leverage) ratio | 9.2324% | 4,420 |
| Tier 1 risk-based capital ratio | 12.3709% | 4,199 |
| Total risk-based capital ratio | 13.5134% | 4,148 |
| Memoranda: | ||
| Average total assets | $534,447,800 | 1,321 |
| Average earning assets | $502,079,400 | 1,308 |
| Average equity | $48,214,000 | 1,564 |
| Average total loans | $439,459,600 | 1,163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,691 |
| Cost of funding earning assets | 0.8539% | 1,101 |
| Net interest margin | 3.5263% | 3,613 |
| Noninterest income to average assets | 0.8637% | 1,302 |
| Noninterest expense to average assets | 2.8921% | 2,326 |
| Loan and lease loss provision to assets | 0.1579% | 1,229 |
| Net operating income to assets | 1.1301% | 2,531 |
| Return on assets (ROA) | 1.1511% | 2,441 |
| Pretax return on assets | 1.1511% | 3,188 |
| Return on Equity (ROE) | 12.8204% | 1,495 |
| Retained earnings to average equity (ytd only) | 3.7172% | 3,916 |
| Net charge-offs to loans | 0.0653% | 1,897 |
| Credit loss provision to net charge-offs | 293.0233% | 1,042 |
| Earnings coverage of net charge-offs (x) | 23.9069% | 1,833 |
| Efficiency ratio | 69.1883% | 2,324 |
| Assets per employee ($millions) | 3.7535% | 4,231 |
| Cash dividends to net income (ytd only)* | 71.0056% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,701 |
| Loan loss allowance to noncurrent loans | 495.6427% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 2,461 |
| Noncurrent loans to loans | 0.2036% | 3,986 |
| Net loans and leases to total assets | 82.0133% | 716 |
| Net loans and leases to deposits | 94.3395% | 1,344 |
| Net loans and leases to core deposits | 105.1313% | 1,367 |
| Total domestic deposits to total assets | 86.9342% | 1,761 |
| Equity capital to assets | 8.8871% | 4,651 |
| Core capital (leverage) ratio | 8.8029% | 4,883 |
| Tier 1 risk-based capital ratio | 11.7512% | 4,629 |
| Total risk-based capital ratio | 12.8575% | 4,614 |
| Memoranda: | ||
| Average total assets | $532,094,000 | 1,332 |
| Average earning assets | $500,415,500 | 1,310 |
| Average equity | $47,777,000 | 1,575 |
| Average total loans | $438,729,000 | 1,165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,714 |
| Cost of funding earning assets | 0.8006% | 1,121 |
| Net interest margin | 3.5126% | 3,592 |
| Noninterest income to average assets | 0.8227% | 1,408 |
| Noninterest expense to average assets | 2.8396% | 2,540 |
| Loan and lease loss provision to assets | 0.1591% | 1,175 |
| Net operating income to assets | 1.1260% | 2,495 |
| Return on assets (ROA) | 1.1260% | 2,498 |
| Pretax return on assets | 1.1260% | 3,206 |
| Return on Equity (ROE) | 12.4968% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.3586% | 3,899 |
| Net charge-offs to loans | 0.0106% | 2,767 |
| Credit loss provision to net charge-offs | 1,826.0870% | 233 |
| Earnings coverage of net charge-offs (x) | 147.5217% | 524 |
| Efficiency ratio | 68.8430% | 2,509 |
| Assets per employee ($millions) | 3.5973% | 4,475 |
| Cash dividends to net income (ytd only)* | 73.1248% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,757 |
| Loan loss allowance to noncurrent loans | 381.5657% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 2,829 |
| Noncurrent loans to loans | 0.2651% | 3,759 |
| Net loans and leases to total assets | 82.7515% | 618 |
| Net loans and leases to deposits | 97.3773% | 1,008 |
| Net loans and leases to core deposits | 108.7894% | 1,064 |
| Total domestic deposits to total assets | 84.9802% | 2,683 |
| Equity capital to assets | 8.9274% | 4,614 |
| Core capital (leverage) ratio | 9.0435% | 4,654 |
| Tier 1 risk-based capital ratio | 11.5778% | 4,753 |
| Total risk-based capital ratio | 12.6759% | 4,729 |
| Memoranda: | ||
| Average total assets | $528,041,330 | 1,342 |
| Average earning assets | $496,378,670 | 1,323 |
| Average equity | $47,580,000 | 1,584 |
| Average total loans | $434,669,000 | 1,177 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 2,677 |
| Cost of funding earning assets | 0.7335% | 1,266 |
| Net interest margin | 3.5238% | 3,446 |
| Noninterest income to average assets | 0.9976% | 915 |
| Noninterest expense to average assets | 2.9065% | 2,343 |
| Loan and lease loss provision to assets | 0.1603% | 1,122 |
| Net operating income to assets | 1.2456% | 1,828 |
| Return on assets (ROA) | 1.2456% | 1,838 |
| Pretax return on assets | 1.2456% | 2,574 |
| Return on Equity (ROE) | 13.7591% | 1,066 |
| Retained earnings to average equity (ytd only) | 4.5948% | 3,363 |
| Net charge-offs to loans | 0.0056% | 2,534 |
| Credit loss provision to net charge-offs | 3,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 224 |
| Efficiency ratio | 67.3982% | 2,932 |
| Assets per employee ($millions) | 3.5587% | 4,599 |
| Cash dividends to net income (ytd only)* | 66.6054% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,968 |
| Loan loss allowance to noncurrent loans | 725.7525% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 3,235 |
| Noncurrent loans to loans | 0.1377% | 4,352 |
| Net loans and leases to total assets | 81.1105% | 777 |
| Net loans and leases to deposits | 93.3558% | 1,295 |
| Net loans and leases to core deposits | 104.4740% | 1,346 |
| Total domestic deposits to total assets | 86.8831% | 2,174 |
| Equity capital to assets | 8.9797% | 4,580 |
| Core capital (leverage) ratio | 8.9348% | 4,751 |
| Tier 1 risk-based capital ratio | 11.2913% | 4,985 |
| Total risk-based capital ratio | 12.3221% | 4,996 |
| Memoranda: | ||
| Average total assets | $524,065,500 | 1,364 |
| Average earning assets | $492,993,500 | 1,342 |
| Average equity | $47,445,000 | 1,597 |
| Average total loans | $427,966,000 | 1,192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,302 |
| Cost of funding earning assets | 0.4978% | 2,351 |
| Net interest margin | 3.5327% | 3,412 |
| Noninterest income to average assets | 0.7622% | 1,723 |
| Noninterest expense to average assets | 2.7595% | 2,922 |
| Loan and lease loss provision to assets | 0.1320% | 1,739 |
| Net operating income to assets | 1.1882% | 1,553 |
| Return on assets (ROA) | 1.1882% | 1,577 |
| Pretax return on assets | 1.1882% | 2,814 |
| Return on Equity (ROE) | 12.7628% | 1,008 |
| Retained earnings to average equity (ytd only) | 5.4053% | 1,864 |
| Net charge-offs to loans | 0.0063% | 3,851 |
| Credit loss provision to net charge-offs | 2,708.3333% | 146 |
| Earnings coverage of net charge-offs (x) | 270.8750% | 312 |
| Efficiency ratio | 67.6390% | 2,972 |
| Assets per employee ($millions) | 3.4993% | 4,698 |
| Cash dividends to net income (ytd only)* | 57.6483% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,046 |
| Loan loss allowance to noncurrent loans | 796.7245% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 3,283 |
| Noncurrent loans to loans | 0.1231% | 4,428 |
| Net loans and leases to total assets | 80.5916% | 883 |
| Net loans and leases to deposits | 99.5981% | 762 |
| Net loans and leases to core deposits | 106.9328% | 1,218 |
| Total domestic deposits to total assets | 80.9168% | 4,138 |
| Equity capital to assets | 9.1286% | 4,595 |
| Core capital (leverage) ratio | 9.2776% | 4,319 |
| Tier 1 risk-based capital ratio | 12.0485% | 4,492 |
| Total risk-based capital ratio | 13.1086% | 4,511 |
| Memoranda: | ||
| Average total assets | $492,414,400 | 1,422 |
| Average earning assets | $462,425,400 | 1,408 |
| Average equity | $45,844,000 | 1,638 |
| Average total loans | $380,728,600 | 1,284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,487 |
| Cost of funding earning assets | 0.4666% | 2,551 |
| Net interest margin | 3.4934% | 3,525 |
| Noninterest income to average assets | 0.7829% | 1,648 |
| Noninterest expense to average assets | 2.7626% | 2,852 |
| Loan and lease loss provision to assets | 0.1372% | 1,563 |
| Net operating income to assets | 1.1647% | 1,825 |
| Return on assets (ROA) | 1.1647% | 1,871 |
| Pretax return on assets | 1.1647% | 3,042 |
| Return on Equity (ROE) | 12.4460% | 1,202 |
| Retained earnings to average equity (ytd only) | 5.7540% | 2,399 |
| Net charge-offs to loans | 0.0094% | 3,394 |
| Credit loss provision to net charge-offs | 1,923.0769% | 209 |
| Earnings coverage of net charge-offs (x) | 182.5163% | 466 |
| Efficiency ratio | 67.9692% | 2,879 |
| Assets per employee ($millions) | 3.6226% | 4,554 |
| Cash dividends to net income (ytd only)* | 53.7682% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 4,084 |
| Loan loss allowance to noncurrent loans | 875.6044% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,412 |
| Noncurrent loans to loans | 0.1138% | 4,602 |
| Net loans and leases to total assets | 79.1499% | 1,105 |
| Net loans and leases to deposits | 94.5153% | 1,240 |
| Net loans and leases to core deposits | 101.4819% | 1,584 |
| Total domestic deposits to total assets | 83.7430% | 3,216 |
| Equity capital to assets | 9.3640% | 4,581 |
| Core capital (leverage) ratio | 9.3171% | 4,388 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,335 |
| Total risk-based capital ratio | 13.5425% | 4,340 |
| Memoranda: | ||
| Average total assets | $486,045,500 | 1,452 |
| Average earning assets | $456,584,500 | 1,431 |
| Average equity | $45,486,000 | 1,665 |
| Average total loans | $370,533,000 | 1,326 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,652 |
| Cost of funding earning assets | 0.4335% | 2,770 |
| Net interest margin | 3.4370% | 3,639 |
| Noninterest income to average assets | 0.7931% | 1,595 |
| Noninterest expense to average assets | 2.7971% | 2,772 |
| Loan and lease loss provision to assets | 0.1454% | 1,403 |
| Net operating income to assets | 1.0814% | 2,079 |
| Return on assets (ROA) | 1.0814% | 2,121 |
| Pretax return on assets | 1.0814% | 3,255 |
| Return on Equity (ROE) | 11.5577% | 1,443 |
| Retained earnings to average equity (ytd only) | 1.4164% | 4,684 |
| Net charge-offs to loans | -0.0172% | 4,716 |
| Credit loss provision to net charge-offs | -1,129.0323% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5127% | 2,763 |
| Assets per employee ($millions) | 3.6466% | 4,514 |
| Cash dividends to net income (ytd only)* | 87.7449% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,995 |
| Loan loss allowance to noncurrent loans | 230.1005% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,535 |
| Noncurrent loans to loans | 0.4454% | 3,418 |
| Net loans and leases to total assets | 77.4785% | 1,319 |
| Net loans and leases to deposits | 87.9287% | 1,997 |
| Net loans and leases to core deposits | 90.1647% | 2,510 |
| Total domestic deposits to total assets | 88.1151% | 1,401 |
| Equity capital to assets | 9.3195% | 4,598 |
| Core capital (leverage) ratio | 9.1344% | 4,574 |
| Tier 1 risk-based capital ratio | 12.7397% | 4,158 |
| Total risk-based capital ratio | 13.8453% | 4,151 |
| Memoranda: | ||
| Average total assets | $481,419,000 | 1,467 |
| Average earning assets | $452,547,000 | 1,445 |
| Average equity | $45,043,670 | 1,679 |
| Average total loans | $360,819,330 | 1,354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 3,907 |
| Cost of funding earning assets | 0.4164% | 2,840 |
| Net interest margin | 3.3419% | 3,871 |
| Noninterest income to average assets | 0.8240% | 1,474 |
| Noninterest expense to average assets | 2.7088% | 3,114 |
| Loan and lease loss provision to assets | 0.1668% | 1,071 |
| Net operating income to assets | 1.0875% | 1,921 |
| Return on assets (ROA) | 1.0875% | 1,965 |
| Pretax return on assets | 1.0875% | 3,035 |
| Return on Equity (ROE) | 11.6000% | 1,371 |
| Retained earnings to average equity (ytd only) | 0.9607% | 4,673 |
| Net charge-offs to loans | 0.0046% | 2,819 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 152 |
| Efficiency ratio | 68.3502% | 3,145 |
| Assets per employee ($millions) | 3.8098% | 4,331 |
| Cash dividends to net income (ytd only)* | 91.7178% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 4,041 |
| Loan loss allowance to noncurrent loans | 1,102.6786% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 3,724 |
| Noncurrent loans to loans | 0.0942% | 4,812 |
| Net loans and leases to total assets | 70.1954% | 2,343 |
| Net loans and leases to deposits | 79.1907% | 2,844 |
| Net loans and leases to core deposits | 80.8436% | 3,219 |
| Total domestic deposits to total assets | 88.6409% | 1,351 |
| Equity capital to assets | 8.9510% | 4,860 |
| Core capital (leverage) ratio | 9.3226% | 4,318 |
| Tier 1 risk-based capital ratio | 13.0210% | 4,068 |
| Total risk-based capital ratio | 14.1020% | 4,069 |
| Memoranda: | ||
| Average total assets | $479,626,500 | 1,472 |
| Average earning assets | $450,524,500 | 1,454 |
| Average equity | $44,965,500 | 1,688 |
| Average total loans | $351,396,500 | 1,394 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,380 |
| Cost of funding earning assets | 0.3906% | 3,097 |
| Net interest margin | 3.2555% | 4,278 |
| Noninterest income to average assets | 0.8220% | 1,673 |
| Noninterest expense to average assets | 2.6360% | 3,567 |
| Loan and lease loss provision to assets | 0.1455% | 1,715 |
| Net operating income to assets | 1.1057% | 1,878 |
| Return on assets (ROA) | 1.1057% | 1,970 |
| Pretax return on assets | 1.1057% | 3,083 |
| Return on Equity (ROE) | 11.6360% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.6135% | 1,404 |
| Net charge-offs to loans | 0.0185% | 3,692 |
| Credit loss provision to net charge-offs | 1,143.1034% | 344 |
| Earnings coverage of net charge-offs (x) | 98.3103% | 606 |
| Efficiency ratio | 67.8126% | 3,274 |
| Assets per employee ($millions) | 3.3805% | 4,936 |
| Cash dividends to net income (ytd only)* | 43.1633% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,230 |
| Loan loss allowance to noncurrent loans | 592.7365% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 3,380 |
| Noncurrent loans to loans | 0.1711% | 4,552 |
| Net loans and leases to total assets | 75.0660% | 1,681 |
| Net loans and leases to deposits | 85.8105% | 2,205 |
| Net loans and leases to core deposits | 90.9272% | 2,413 |
| Total domestic deposits to total assets | 87.4788% | 1,891 |
| Equity capital to assets | 9.8424% | 3,893 |
| Core capital (leverage) ratio | 9.7616% | 3,792 |
| Tier 1 risk-based capital ratio | 13.7516% | 3,609 |
| Total risk-based capital ratio | 14.8356% | 3,621 |
| Memoranda: | ||
| Average total assets | $455,735,000 | 1,494 |
| Average earning assets | $429,084,800 | 1,476 |
| Average equity | $43,305,200 | 1,713 |
| Average total loans | $313,727,000 | 1,471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,661 |
| Cost of funding earning assets | 0.3849% | 3,178 |
| Net interest margin | 3.1725% | 4,568 |
| Noninterest income to average assets | 0.7919% | 1,794 |
| Noninterest expense to average assets | 2.6111% | 3,621 |
| Loan and lease loss provision to assets | 0.1282% | 1,821 |
| Net operating income to assets | 1.0527% | 2,189 |
| Return on assets (ROA) | 1.0527% | 2,314 |
| Pretax return on assets | 1.0466% | 3,443 |
| Return on Equity (ROE) | 11.1787% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,188 |
| Net charge-offs to loans | 0.0471% | 2,702 |
| Credit loss provision to net charge-offs | 405.5556% | 832 |
| Earnings coverage of net charge-offs (x) | 37.1658% | 1,292 |
| Efficiency ratio | 68.9703% | 3,047 |
| Assets per employee ($millions) | 3.6658% | 4,548 |
| Cash dividends to net income (ytd only)* | 60.4671% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 4,611 |
| Loan loss allowance to noncurrent loans | 2,966.9725% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 4,024 |
| Noncurrent loans to loans | 0.0324% | 5,249 |
| Net loans and leases to total assets | 72.1632% | 2,165 |
| Net loans and leases to deposits | 82.0950% | 2,722 |
| Net loans and leases to core deposits | 86.8446% | 2,868 |
| Total domestic deposits to total assets | 87.9020% | 1,445 |
| Equity capital to assets | 9.4417% | 4,722 |
| Core capital (leverage) ratio | 9.4668% | 4,220 |
| Tier 1 risk-based capital ratio | 13.7032% | 3,741 |
| Total risk-based capital ratio | 14.7319% | 3,782 |
| Memoranda: | ||
| Average total assets | $455,578,500 | 1,496 |
| Average earning assets | $429,930,750 | 1,474 |
| Average equity | $42,902,000 | 1,735 |
| Average total loans | $305,638,500 | 1,499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 4,894 |
| Cost of funding earning assets | 0.3760% | 3,291 |
| Net interest margin | 3.1134% | 4,792 |
| Noninterest income to average assets | 0.7506% | 1,934 |
| Noninterest expense to average assets | 2.5682% | 3,823 |
| Loan and lease loss provision to assets | 0.1103% | 2,031 |
| Net operating income to assets | 1.0210% | 2,294 |
| Return on assets (ROA) | 1.0210% | 2,431 |
| Pretax return on assets | 1.0117% | 3,537 |
| Return on Equity (ROE) | 10.8517% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.2626% | 1,984 |
| Net charge-offs to loans | 0.0332% | 2,787 |
| Credit loss provision to net charge-offs | 510.2041% | 641 |
| Earnings coverage of net charge-offs (x) | 51.9184% | 973 |
| Efficiency ratio | 69.5948% | 3,046 |
| Assets per employee ($millions) | 3.7621% | 4,334 |
| Cash dividends to net income (ytd only)* | 42.2894% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 4,539 |
| Loan loss allowance to noncurrent loans | 714.0230% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 3,674 |
| Noncurrent loans to loans | 0.1398% | 4,874 |
| Net loans and leases to total assets | 67.1138% | 2,922 |
| Net loans and leases to deposits | 74.5491% | 3,522 |
| Net loans and leases to core deposits | 79.2070% | 3,531 |
| Total domestic deposits to total assets | 90.0264% | 480 |
| Equity capital to assets | 9.4871% | 4,780 |
| Core capital (leverage) ratio | 9.2828% | 4,478 |
| Tier 1 risk-based capital ratio | 14.4365% | 3,358 |
| Total risk-based capital ratio | 15.4795% | 3,398 |
| Memoranda: | ||
| Average total assets | $453,475,330 | 1,513 |
| Average earning assets | $428,148,330 | 1,485 |
| Average equity | $42,666,000 | 1,743 |
| Average total loans | $295,335,670 | 1,540 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,097 |
| Cost of funding earning assets | 0.3561% | 3,541 |
| Net interest margin | 3.0565% | 4,981 |
| Noninterest income to average assets | 0.7206% | 1,934 |
| Noninterest expense to average assets | 2.5257% | 3,995 |
| Loan and lease loss provision to assets | 0.1225% | 1,725 |
| Net operating income to assets | 0.9593% | 2,463 |
| Return on assets (ROA) | 0.9593% | 2,579 |
| Pretax return on assets | 0.9593% | 3,622 |
| Return on Equity (ROE) | 10.2399% | 1,879 |
| Retained earnings to average equity (ytd only) | 0.9757% | 4,849 |
| Net charge-offs to loans | -0.0014% | 4,093 |
| Credit loss provision to net charge-offs | -13,800.0000% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0123% | 3,126 |
| Assets per employee ($millions) | 4.0399% | 3,877 |
| Cash dividends to net income (ytd only)* | 90.4718% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,459 |
| Loan loss allowance to noncurrent loans | 350.6912% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 3,811 |
| Noncurrent loans to loans | 0.2929% | 4,379 |
| Net loans and leases to total assets | 61.0012% | 3,651 |
| Net loans and leases to deposits | 67.2706% | 4,128 |
| Net loans and leases to core deposits | 71.2394% | 4,134 |
| Total domestic deposits to total assets | 90.6804% | 370 |
| Equity capital to assets | 8.7998% | 5,341 |
| Core capital (leverage) ratio | 9.3602% | 4,410 |
| Tier 1 risk-based capital ratio | 14.5099% | 3,388 |
| Total risk-based capital ratio | 15.5677% | 3,419 |
| Memoranda: | ||
| Average total assets | $450,723,000 | 1,524 |
| Average earning assets | $425,712,500 | 1,494 |
| Average equity | $42,227,000 | 1,749 |
| Average total loans | $287,431,000 | 1,578 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,970 |
| Cost of funding earning assets | 0.2795% | 4,488 |
| Net interest margin | 3.2006% | 4,630 |
| Noninterest income to average assets | 0.8347% | 1,657 |
| Noninterest expense to average assets | 2.4882% | 4,264 |
| Loan and lease loss provision to assets | 0.1892% | 1,174 |
| Net operating income to assets | 1.1687% | 1,676 |
| Return on assets (ROA) | 1.1687% | 1,747 |
| Pretax return on assets | 1.1687% | 2,777 |
| Return on Equity (ROE) | 11.6552% | 1,389 |
| Retained earnings to average equity (ytd only) | 4.5261% | 2,765 |
| Net charge-offs to loans | -0.0251% | 5,341 |
| Credit loss provision to net charge-offs | -1,253.2258% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6936% | 4,136 |
| Assets per employee ($millions) | 3.6582% | 4,551 |
| Cash dividends to net income (ytd only)* | 61.1667% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,367 |
| Loan loss allowance to noncurrent loans | 645.3333% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 3,966 |
| Noncurrent loans to loans | 0.1615% | 4,846 |
| Net loans and leases to total assets | 65.5225% | 3,051 |
| Net loans and leases to deposits | 73.2677% | 3,582 |
| Net loans and leases to core deposits | 78.3528% | 3,506 |
| Total domestic deposits to total assets | 89.4289% | 894 |
| Equity capital to assets | 10.0189% | 3,934 |
| Core capital (leverage) ratio | 9.9933% | 3,521 |
| Tier 1 risk-based capital ratio | 14.8412% | 3,252 |
| Total risk-based capital ratio | 15.8758% | 3,294 |
| Memoranda: | ||
| Average total assets | $410,700,600 | 1,603 |
| Average earning assets | $386,432,800 | 1,584 |
| Average equity | $41,183,200 | 1,758 |
| Average total loans | $247,494,600 | 1,742 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 5,094 |
| Cost of funding earning assets | 0.2625% | 4,751 |
| Net interest margin | 3.1902% | 4,705 |
| Noninterest income to average assets | 0.8355% | 1,670 |
| Noninterest expense to average assets | 2.4690% | 4,286 |
| Loan and lease loss provision to assets | 0.2048% | 969 |
| Net operating income to assets | 1.1625% | 1,785 |
| Return on assets (ROA) | 1.1625% | 1,853 |
| Pretax return on assets | 1.1625% | 2,957 |
| Return on Equity (ROE) | 11.5901% | 1,499 |
| Retained earnings to average equity (ytd only) | 5.2138% | 2,769 |
| Net charge-offs to loans | -0.0328% | 5,394 |
| Credit loss provision to net charge-offs | -1,062.7119% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3593% | 4,182 |
| Assets per employee ($millions) | 3.5585% | 4,690 |
| Cash dividends to net income (ytd only)* | 55.0155% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,431 |
| Loan loss allowance to noncurrent loans | 2,219.3548% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,268 |
| Noncurrent loans to loans | 0.0477% | 5,427 |
| Net loans and leases to total assets | 61.7944% | 3,640 |
| Net loans and leases to deposits | 69.2078% | 4,071 |
| Net loans and leases to core deposits | 77.4885% | 3,651 |
| Total domestic deposits to total assets | 89.2882% | 877 |
| Equity capital to assets | 10.0799% | 4,069 |
| Core capital (leverage) ratio | 9.9146% | 3,753 |
| Tier 1 risk-based capital ratio | 15.4334% | 3,078 |
| Total risk-based capital ratio | 16.4595% | 3,120 |
| Memoranda: | ||
| Average total assets | $408,202,000 | 1,629 |
| Average earning assets | $383,960,250 | 1,604 |
| Average equity | $40,941,750 | 1,776 |
| Average total loans | $239,729,750 | 1,804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 5,223 |
| Cost of funding earning assets | 0.2392% | 5,063 |
| Net interest margin | 3.1641% | 4,773 |
| Noninterest income to average assets | 0.7902% | 1,818 |
| Noninterest expense to average assets | 2.4543% | 4,386 |
| Loan and lease loss provision to assets | 0.1983% | 995 |
| Net operating income to assets | 1.1132% | 1,897 |
| Return on assets (ROA) | 1.1132% | 1,983 |
| Pretax return on assets | 1.1132% | 3,116 |
| Return on Equity (ROE) | 11.1182% | 1,644 |
| Retained earnings to average equity (ytd only) | 1.4729% | 4,964 |
| Net charge-offs to loans | -0.0610% | 5,619 |
| Credit loss provision to net charge-offs | -566.1972% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1735% | 4,158 |
| Assets per employee ($millions) | 3.5254% | 4,740 |
| Cash dividends to net income (ytd only)* | 86.7523% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,773 |
| Loan loss allowance to noncurrent loans | 511.8952% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 4,277 |
| Noncurrent loans to loans | 0.1991% | 4,980 |
| Net loans and leases to total assets | 58.7842% | 4,007 |
| Net loans and leases to deposits | 65.5492% | 4,382 |
| Net loans and leases to core deposits | 72.8600% | 4,052 |
| Total domestic deposits to total assets | 89.6795% | 797 |
| Equity capital to assets | 9.6931% | 4,407 |
| Core capital (leverage) ratio | 9.7568% | 3,930 |
| Tier 1 risk-based capital ratio | 14.8256% | 3,460 |
| Total risk-based capital ratio | 15.7646% | 3,556 |
| Memoranda: | ||
| Average total assets | $405,487,670 | 1,647 |
| Average earning assets | $381,341,670 | 1,620 |
| Average equity | $40,600,000 | 1,800 |
| Average total loans | $232,963,000 | 1,857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 5,193 |
| Cost of funding earning assets | 0.2275% | 5,240 |
| Net interest margin | 3.1771% | 4,684 |
| Noninterest income to average assets | 0.7489% | 1,923 |
| Noninterest expense to average assets | 2.4183% | 4,545 |
| Loan and lease loss provision to assets | 0.1777% | 1,090 |
| Net operating income to assets | 1.1384% | 1,730 |
| Return on assets (ROA) | 1.1384% | 1,839 |
| Pretax return on assets | 1.1384% | 2,913 |
| Return on Equity (ROE) | 11.1814% | 1,583 |
| Retained earnings to average equity (ytd only) | 1.5382% | 4,864 |
| Net charge-offs to loans | -0.1281% | 5,934 |
| Credit loss provision to net charge-offs | -245.8333% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7581% | 4,355 |
| Assets per employee ($millions) | 3.4723% | 4,944 |
| Cash dividends to net income (ytd only)* | 86.2434% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,009 |
| Loan loss allowance to noncurrent loans | 739.6166% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 4,082 |
| Noncurrent loans to loans | 0.1355% | 5,293 |
| Net loans and leases to total assets | 55.8039% | 4,225 |
| Net loans and leases to deposits | 62.3660% | 4,536 |
| Net loans and leases to core deposits | 63.3959% | 4,748 |
| Total domestic deposits to total assets | 89.4781% | 1,003 |
| Equity capital to assets | 9.9227% | 4,230 |
| Core capital (leverage) ratio | 10.0807% | 3,502 |
| Tier 1 risk-based capital ratio | 15.5068% | 3,141 |
| Total risk-based capital ratio | 16.4054% | 3,272 |
| Memoranda: | ||
| Average total assets | $398,468,500 | 1,680 |
| Average earning assets | $374,432,500 | 1,652 |
| Average equity | $40,567,500 | 1,810 |
| Average total loans | $224,867,500 | 1,912 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1769% | 5,861 |
| Cost of funding earning assets | 0.3082% | 4,706 |
| Net interest margin | 2.8687% | 5,698 |
| Noninterest income to average assets | 0.7409% | 2,122 |
| Noninterest expense to average assets | 2.2597% | 5,216 |
| Loan and lease loss provision to assets | 0.0360% | 3,869 |
| Net operating income to assets | 1.1592% | 1,725 |
| Return on assets (ROA) | 1.1592% | 1,797 |
| Pretax return on assets | 1.1592% | 2,826 |
| Return on Equity (ROE) | 11.6140% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.5707% | 1,614 |
| Net charge-offs to loans | -0.0032% | 5,414 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4067% | 4,339 |
| Assets per employee ($millions) | 3.3966% | 5,070 |
| Cash dividends to net income (ytd only)* | 43.4243% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 5,310 |
| Loan loss allowance to noncurrent loans | 622.2892% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 4,260 |
| Noncurrent loans to loans | 0.1518% | 5,287 |
| Net loans and leases to total assets | 55.9672% | 4,339 |
| Net loans and leases to deposits | 62.9112% | 4,644 |
| Net loans and leases to core deposits | 63.9411% | 4,828 |
| Total domestic deposits to total assets | 88.9621% | 1,262 |
| Equity capital to assets | 10.4540% | 3,539 |
| Core capital (leverage) ratio | 10.4817% | 2,968 |
| Tier 1 risk-based capital ratio | 16.8026% | 2,596 |
| Total risk-based capital ratio | 17.6751% | 2,697 |
| Memoranda: | ||
| Average total assets | $388,982,200 | 1,682 |
| Average earning assets | $368,001,400 | 1,636 |
| Average equity | $38,823,800 | 1,820 |
| Average total loans | $189,403,800 | 2,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 6,005 |
| Cost of funding earning assets | 0.3302% | 4,563 |
| Net interest margin | 2.7889% | 5,886 |
| Noninterest income to average assets | 0.7344% | 2,163 |
| Noninterest expense to average assets | 2.1624% | 5,426 |
| Loan and lease loss provision to assets | 0.0178% | 4,055 |
| Net operating income to assets | 1.1969% | 1,686 |
| Return on assets (ROA) | 1.1969% | 1,761 |
| Pretax return on assets | 1.1969% | 2,787 |
| Return on Equity (ROE) | 12.1354% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.3388% | 2,861 |
| Net charge-offs to loans | -0.0037% | 5,253 |
| Credit loss provision to net charge-offs | -1,040.0000% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0308% | 4,535 |
| Assets per employee ($millions) | 3.6780% | 4,526 |
| Cash dividends to net income (ytd only)* | 56.0068% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 5,323 |
| Loan loss allowance to noncurrent loans | 650.3289% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 4,477 |
| Noncurrent loans to loans | 0.1498% | 5,468 |
| Net loans and leases to total assets | 52.0413% | 4,800 |
| Net loans and leases to deposits | 58.3888% | 5,074 |
| Net loans and leases to core deposits | 59.6603% | 5,219 |
| Total domestic deposits to total assets | 89.1290% | 1,162 |
| Equity capital to assets | 10.2159% | 3,913 |
| Core capital (leverage) ratio | 9.9878% | 3,695 |
| Tier 1 risk-based capital ratio | 17.4476% | 2,416 |
| Total risk-based capital ratio | 18.3372% | 2,537 |
| Memoranda: | ||
| Average total assets | $389,425,000 | 1,695 |
| Average earning assets | $369,020,750 | 1,647 |
| Average equity | $38,410,000 | 1,844 |
| Average total loans | $182,060,500 | 2,220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0543% | 6,130 |
| Cost of funding earning assets | 0.3603% | 4,320 |
| Net interest margin | 2.6941% | 6,057 |
| Noninterest income to average assets | 0.6965% | 2,299 |
| Noninterest expense to average assets | 2.1490% | 5,520 |
| Loan and lease loss provision to assets | 0.0154% | 3,957 |
| Net operating income to assets | 1.0868% | 1,984 |
| Return on assets (ROA) | 1.0868% | 2,042 |
| Pretax return on assets | 1.0868% | 3,150 |
| Return on Equity (ROE) | 11.1501% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.0059% | 2,322 |
| Net charge-offs to loans | -0.0011% | 5,028 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0996% | 4,353 |
| Assets per employee ($millions) | 3.7147% | 4,429 |
| Cash dividends to net income (ytd only)* | 46.1357% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,060 |
| Loan loss allowance to noncurrent loans | 1,711.4035% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 4,762 |
| Noncurrent loans to loans | 0.0621% | 5,840 |
| Net loans and leases to total assets | 46.1512% | 5,348 |
| Net loans and leases to deposits | 51.5620% | 5,528 |
| Net loans and leases to core deposits | 53.2744% | 5,599 |
| Total domestic deposits to total assets | 89.5063% | 1,087 |
| Equity capital to assets | 9.9007% | 4,247 |
| Core capital (leverage) ratio | 9.6247% | 4,141 |
| Tier 1 risk-based capital ratio | 18.1325% | 2,192 |
| Total risk-based capital ratio | 19.0542% | 2,281 |
| Memoranda: | ||
| Average total assets | $390,503,000 | 1,690 |
| Average earning assets | $370,295,330 | 1,637 |
| Average equity | $38,062,330 | 1,852 |
| Average total loans | $175,095,330 | 2,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0192% | 6,222 |
| Cost of funding earning assets | 0.3728% | 4,280 |
| Net interest margin | 2.6464% | 6,178 |
| Noninterest income to average assets | 0.6552% | 2,432 |
| Noninterest expense to average assets | 2.1354% | 5,604 |
| Loan and lease loss provision to assets | 0.0154% | 3,627 |
| Net operating income to assets | 1.0163% | 2,145 |
| Return on assets (ROA) | 1.0163% | 2,210 |
| Pretax return on assets | 1.0163% | 3,261 |
| Return on Equity (ROE) | 10.5104% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.5104% | 837 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4245% | 4,288 |
| Assets per employee ($millions) | 4.1032% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,088 |
| Loan loss allowance to noncurrent loans | 336.5217% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 4,612 |
| Noncurrent loans to loans | 0.3289% | 5,123 |
| Net loans and leases to total assets | 42.1324% | 5,657 |
| Net loans and leases to deposits | 46.7858% | 5,798 |
| Net loans and leases to core deposits | 48.9479% | 5,828 |
| Total domestic deposits to total assets | 90.0538% | 1,044 |
| Equity capital to assets | 9.3708% | 4,669 |
| Core capital (leverage) ratio | 9.8992% | 3,713 |
| Tier 1 risk-based capital ratio | 18.4579% | 2,136 |
| Total risk-based capital ratio | 19.3922% | 2,206 |
| Memoranda: | ||
| Average total assets | $388,874,500 | 1,709 |
| Average earning assets | $369,103,000 | 1,655 |
| Average equity | $37,601,000 | 1,868 |
| Average total loans | $170,805,000 | 2,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0695% | 6,271 |
| Cost of funding earning assets | 0.4054% | 4,587 |
| Net interest margin | 2.6641% | 6,184 |
| Noninterest income to average assets | 0.8119% | 2,018 |
| Noninterest expense to average assets | 2.1970% | 5,635 |
| Loan and lease loss provision to assets | 0.0207% | 4,718 |
| Net operating income to assets | 1.1116% | 1,892 |
| Return on assets (ROA) | 1.1116% | 1,962 |
| Pretax return on assets | 1.1116% | 2,912 |
| Return on Equity (ROE) | 11.0664% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.6072% | 2,214 |
| Net charge-offs to loans | 0.4805% | 1,385 |
| Credit loss provision to net charge-offs | 10.2740% | 4,578 |
| Earnings coverage of net charge-offs (x) | 5.6315% | 3,253 |
| Efficiency ratio | 65.9911% | 4,559 |
| Assets per employee ($millions) | 3.7114% | 4,452 |
| Cash dividends to net income (ytd only)* | 49.3310% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,908 |
| Loan loss allowance to noncurrent loans | 244.2748% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 4,265 |
| Noncurrent loans to loans | 0.4712% | 4,820 |
| Net loans and leases to total assets | 44.8732% | 5,591 |
| Net loans and leases to deposits | 50.9783% | 5,696 |
| Net loans and leases to core deposits | 53.7308% | 5,691 |
| Total domestic deposits to total assets | 88.0242% | 2,165 |
| Equity capital to assets | 10.0024% | 3,767 |
| Core capital (leverage) ratio | 10.2088% | 3,284 |
| Tier 1 risk-based capital ratio | 18.4007% | 2,115 |
| Total risk-based capital ratio | 19.3494% | 2,177 |
| Memoranda: | ||
| Average total assets | $363,086,200 | 1,786 |
| Average earning assets | $343,080,200 | 1,741 |
| Average equity | $36,470,800 | 1,895 |
| Average total loans | $151,918,200 | 2,535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 6,366 |
| Cost of funding earning assets | 0.4130% | 4,696 |
| Net interest margin | 2.6384% | 6,264 |
| Noninterest income to average assets | 0.7727% | 2,269 |
| Noninterest expense to average assets | 2.2497% | 5,477 |
| Loan and lease loss provision to assets | 0.0276% | 4,457 |
| Net operating income to assets | 0.9871% | 2,432 |
| Return on assets (ROA) | 0.9871% | 2,530 |
| Pretax return on assets | 0.9871% | 3,554 |
| Return on Equity (ROE) | 9.8165% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.5200% | 4,810 |
| Net charge-offs to loans | 0.5461% | 1,164 |
| Credit loss provision to net charge-offs | 12.3558% | 4,190 |
| Earnings coverage of net charge-offs (x) | 4.5387% | 3,418 |
| Efficiency ratio | 68.9157% | 3,930 |
| Assets per employee ($millions) | 3.7847% | 4,280 |
| Cash dividends to net income (ytd only)* | 74.3283% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,481 |
| Loan loss allowance to noncurrent loans | 854.8117% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 4,790 |
| Noncurrent loans to loans | 0.1501% | 5,868 |
| Net loans and leases to total assets | 43.7206% | 5,744 |
| Net loans and leases to deposits | 48.9323% | 5,910 |
| Net loans and leases to core deposits | 50.5059% | 5,987 |
| Total domestic deposits to total assets | 89.3492% | 1,386 |
| Equity capital to assets | 9.9488% | 3,968 |
| Core capital (leverage) ratio | 9.9396% | 3,756 |
| Tier 1 risk-based capital ratio | 18.3742% | 2,182 |
| Total risk-based capital ratio | 19.4203% | 2,222 |
| Memoranda: | ||
| Average total assets | $361,999,500 | 1,806 |
| Average earning assets | $341,862,250 | 1,758 |
| Average equity | $36,400,500 | 1,915 |
| Average total loans | $148,198,000 | 2,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0127% | 6,436 |
| Cost of funding earning assets | 0.4149% | 4,811 |
| Net interest margin | 2.5978% | 6,340 |
| Noninterest income to average assets | 0.7117% | 2,583 |
| Noninterest expense to average assets | 2.2358% | 5,537 |
| Loan and lease loss provision to assets | 0.0413% | 4,126 |
| Net operating income to assets | 0.8886% | 2,854 |
| Return on assets (ROA) | 0.8886% | 3,008 |
| Pretax return on assets | 0.8886% | 3,953 |
| Return on Equity (ROE) | 8.8062% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.6150% | 1,253 |
| Net charge-offs to loans | 0.1135% | 3,228 |
| Credit loss provision to net charge-offs | 91.4634% | 2,407 |
| Earnings coverage of net charge-offs (x) | 20.5732% | 1,455 |
| Efficiency ratio | 70.6251% | 3,706 |
| Assets per employee ($millions) | 3.8749% | 4,056 |
| Cash dividends to net income (ytd only)* | 2.1712% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 2,871 |
| Loan loss allowance to noncurrent loans | 209.8039% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 4,234 |
| Noncurrent loans to loans | 0.7991% | 4,314 |
| Net loans and leases to total assets | 40.9109% | 5,975 |
| Net loans and leases to deposits | 45.7958% | 6,117 |
| Net loans and leases to core deposits | 47.8336% | 6,137 |
| Total domestic deposits to total assets | 89.3334% | 1,424 |
| Equity capital to assets | 10.0565% | 3,845 |
| Core capital (leverage) ratio | 9.9982% | 3,525 |
| Tier 1 risk-based capital ratio | 19.2344% | 1,929 |
| Total risk-based capital ratio | 20.4856% | 1,900 |
| Memoranda: | ||
| Average total assets | $362,818,670 | 1,808 |
| Average earning assets | $342,750,330 | 1,752 |
| Average equity | $36,610,670 | 1,908 |
| Average total loans | $144,518,330 | 2,651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9999% | 6,517 |
| Cost of funding earning assets | 0.4076% | 5,034 |
| Net interest margin | 2.5923% | 6,384 |
| Noninterest income to average assets | 0.6886% | 2,659 |
| Noninterest expense to average assets | 2.2389% | 5,588 |
| Loan and lease loss provision to assets | 0.0833% | 3,262 |
| Net operating income to assets | 0.8174% | 3,064 |
| Return on assets (ROA) | 0.8174% | 3,207 |
| Pretax return on assets | 0.8174% | 4,105 |
| Return on Equity (ROE) | 8.0865% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.7019% | 1,859 |
| Net charge-offs to loans | 0.2482% | 1,970 |
| Credit loss provision to net charge-offs | 86.2069% | 2,079 |
| Earnings coverage of net charge-offs (x) | 9.3218% | 1,848 |
| Efficiency ratio | 71.3123% | 3,749 |
| Assets per employee ($millions) | 3.9194% | 4,121 |
| Cash dividends to net income (ytd only)* | 4.7554% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 2,758 |
| Loan loss allowance to noncurrent loans | 213.4055% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 4,190 |
| Noncurrent loans to loans | 0.8265% | 4,472 |
| Net loans and leases to total assets | 38.7466% | 6,099 |
| Net loans and leases to deposits | 43.3080% | 6,251 |
| Net loans and leases to core deposits | 45.1580% | 6,257 |
| Total domestic deposits to total assets | 89.4677% | 1,377 |
| Equity capital to assets | 9.9702% | 4,187 |
| Core capital (leverage) ratio | 10.0809% | 3,294 |
| Tier 1 risk-based capital ratio | 19.8453% | 1,813 |
| Total risk-based capital ratio | 21.0975% | 1,778 |
| Memoranda: | ||
| Average total assets | $360,172,000 | 1,834 |
| Average earning assets | $340,542,500 | 1,773 |
| Average equity | $36,406,500 | 1,938 |
| Average total loans | $140,194,500 | 2,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4580% | 6,404 |
| Cost of funding earning assets | 0.6106% | 4,245 |
| Net interest margin | 2.8474% | 6,316 |
| Noninterest income to average assets | 0.7174% | 2,627 |
| Noninterest expense to average assets | 2.3218% | 5,630 |
| Loan and lease loss provision to assets | 0.2048% | 3,098 |
| Net operating income to assets | 0.8185% | 3,194 |
| Return on assets (ROA) | 0.8185% | 3,440 |
| Pretax return on assets | 0.8185% | 4,227 |
| Return on Equity (ROE) | 8.1789% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.3404% | 1,904 |
| Net charge-offs to loans | 1.3527% | 699 |
| Credit loss provision to net charge-offs | 36.9786% | 4,989 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 4,508 |
| Efficiency ratio | 69.4070% | 3,913 |
| Assets per employee ($millions) | 3.3839% | 5,251 |
| Cash dividends to net income (ytd only)* | 22.4785% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 2,276 |
| Loan loss allowance to noncurrent loans | 134.0448% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 4,021 |
| Noncurrent loans to loans | 1.4222% | 3,466 |
| Net loans and leases to total assets | 37.6504% | 6,329 |
| Net loans and leases to deposits | 42.2213% | 6,454 |
| Net loans and leases to core deposits | 44.1577% | 6,459 |
| Total domestic deposits to total assets | 89.1738% | 1,454 |
| Equity capital to assets | 10.2525% | 3,823 |
| Core capital (leverage) ratio | 10.1415% | 3,222 |
| Tier 1 risk-based capital ratio | 20.7689% | 1,511 |
| Total risk-based capital ratio | 22.0223% | 1,482 |
| Memoranda: | ||
| Average total assets | $354,900,000 | 1,827 |
| Average earning assets | $327,530,600 | 1,810 |
| Average equity | $35,518,200 | 1,947 |
| Average total loans | $145,339,600 | 2,646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 6,424 |
| Cost of funding earning assets | 0.6594% | 4,108 |
| Net interest margin | 2.9147% | 6,326 |
| Noninterest income to average assets | 0.7097% | 2,659 |
| Noninterest expense to average assets | 2.3450% | 5,556 |
| Loan and lease loss provision to assets | 0.2163% | 2,899 |
| Net operating income to assets | 0.8229% | 3,327 |
| Return on assets (ROA) | 0.8229% | 3,570 |
| Pretax return on assets | 0.8229% | 4,405 |
| Return on Equity (ROE) | 8.2725% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.2725% | 1,507 |
| Net charge-offs to loans | 1.5081% | 565 |
| Credit loss provision to net charge-offs | 34.4889% | 4,723 |
| Earnings coverage of net charge-offs (x) | 1.6569% | 4,448 |
| Efficiency ratio | 69.2921% | 3,815 |
| Assets per employee ($millions) | 3.8996% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 2,121 |
| Loan loss allowance to noncurrent loans | 109.9070% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 3,690 |
| Noncurrent loans to loans | 1.8345% | 3,028 |
| Net loans and leases to total assets | 37.6345% | 6,439 |
| Net loans and leases to deposits | 42.2949% | 6,582 |
| Net loans and leases to core deposits | 44.6066% | 6,572 |
| Total domestic deposits to total assets | 88.9810% | 1,440 |
| Equity capital to assets | 10.3348% | 4,035 |
| Core capital (leverage) ratio | 9.9996% | 3,543 |
| Tier 1 risk-based capital ratio | 20.5453% | 1,629 |
| Total risk-based capital ratio | 21.7995% | 1,592 |
| Memoranda: | ||
| Average total assets | $355,643,750 | 1,847 |
| Average earning assets | $326,336,250 | 1,841 |
| Average equity | $35,377,500 | 1,972 |
| Average total loans | $147,905,500 | 2,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 6,279 |
| Cost of funding earning assets | 0.7000% | 4,013 |
| Net interest margin | 3.0361% | 6,160 |
| Noninterest income to average assets | 0.7430% | 2,454 |
| Noninterest expense to average assets | 2.2951% | 5,756 |
| Loan and lease loss provision to assets | 0.3231% | 2,039 |
| Net operating income to assets | 0.8886% | 2,963 |
| Return on assets (ROA) | 0.8886% | 3,227 |
| Pretax return on assets | 0.8886% | 4,122 |
| Return on Equity (ROE) | 9.0481% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.0481% | 1,261 |
| Net charge-offs to loans | 1.1887% | 913 |
| Credit loss provision to net charge-offs | 63.7569% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.3912% | 3,804 |
| Efficiency ratio | 65.4479% | 4,634 |
| Assets per employee ($millions) | 3.9587% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4263% | 1,377 |
| Loan loss allowance to noncurrent loans | 109.0738% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 3,326 |
| Noncurrent loans to loans | 2.2244% | 2,696 |
| Net loans and leases to total assets | 38.9154% | 6,413 |
| Net loans and leases to deposits | 44.1950% | 6,548 |
| Net loans and leases to core deposits | 46.6194% | 6,539 |
| Total domestic deposits to total assets | 88.0539% | 2,105 |
| Equity capital to assets | 9.9147% | 4,461 |
| Core capital (leverage) ratio | 9.5643% | 4,054 |
| Tier 1 risk-based capital ratio | 19.9282% | 1,715 |
| Total risk-based capital ratio | 21.1875% | 1,685 |
| Memoranda: | ||
| Average total assets | $357,202,330 | 1,840 |
| Average earning assets | $325,156,330 | 1,846 |
| Average equity | $35,079,330 | 1,971 |
| Average total loans | $152,273,000 | 2,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 5,879 |
| Cost of funding earning assets | 0.7175% | 4,130 |
| Net interest margin | 3.2455% | 5,636 |
| Noninterest income to average assets | 0.7130% | 2,596 |
| Noninterest expense to average assets | 2.3009% | 5,766 |
| Loan and lease loss provision to assets | 0.3115% | 2,015 |
| Net operating income to assets | 1.0054% | 2,462 |
| Return on assets (ROA) | 1.0054% | 2,649 |
| Pretax return on assets | 1.0054% | 3,657 |
| Return on Equity (ROE) | 10.2875% | 2,305 |
| Retained earnings to average equity (ytd only) | 10.2875% | 1,202 |
| Net charge-offs to loans | -0.0026% | 5,733 |
| Credit loss provision to net charge-offs | -27,700.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5996% | 5,005 |
| Assets per employee ($millions) | 4.1071% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6607% | 1,162 |
| Loan loss allowance to noncurrent loans | 70.5031% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 2,986 |
| Noncurrent loans to loans | 3.7738% | 1,640 |
| Net loans and leases to total assets | 40.5002% | 6,308 |
| Net loans and leases to deposits | 45.7799% | 6,444 |
| Net loans and leases to core deposits | 48.2156% | 6,447 |
| Total domestic deposits to total assets | 88.4671% | 2,031 |
| Equity capital to assets | 9.5101% | 4,791 |
| Core capital (leverage) ratio | 9.6063% | 3,905 |
| Tier 1 risk-based capital ratio | 18.7965% | 2,050 |
| Total risk-based capital ratio | 20.0592% | 2,015 |
| Memoranda: | ||
| Average total assets | $355,682,000 | 1,859 |
| Average earning assets | $318,346,500 | 1,885 |
| Average equity | $34,760,500 | 1,988 |
| Average total loans | $156,571,500 | 2,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 4,413 |
| Cost of funding earning assets | 1.1638% | 2,258 |
| Net interest margin | 3.4978% | 5,154 |
| Noninterest income to average assets | 0.7932% | 2,101 |
| Noninterest expense to average assets | 2.2246% | 6,218 |
| Loan and lease loss provision to assets | 0.7470% | 1,355 |
| Net operating income to assets | 0.8470% | 2,840 |
| Return on assets (ROA) | 0.8470% | 2,994 |
| Pretax return on assets | 0.8470% | 3,786 |
| Return on Equity (ROE) | 8.4883% | 2,677 |
| Retained earnings to average equity (ytd only) | -0.0670% | 5,857 |
| Net charge-offs to loans | 1.0923% | 1,577 |
| Credit loss provision to net charge-offs | 141.1538% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.0121% | 3,701 |
| Efficiency ratio | 58.2578% | 6,017 |
| Assets per employee ($millions) | 3.7970% | 4,319 |
| Cash dividends to net income (ytd only)* | 100.7896% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 1,471 |
| Loan loss allowance to noncurrent loans | 53.8777% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 2,400 |
| Noncurrent loans to loans | 4.4425% | 1,346 |
| Net loans and leases to total assets | 45.5139% | 6,053 |
| Net loans and leases to deposits | 51.9507% | 6,222 |
| Net loans and leases to core deposits | 55.1749% | 6,216 |
| Total domestic deposits to total assets | 87.6100% | 2,397 |
| Equity capital to assets | 10.0572% | 4,093 |
| Core capital (leverage) ratio | 9.8601% | 3,505 |
| Tier 1 risk-based capital ratio | 17.8849% | 2,234 |
| Total risk-based capital ratio | 19.1450% | 2,199 |
| Memoranda: | ||
| Average total assets | $343,924,800 | 1,884 |
| Average earning assets | $297,471,800 | 1,972 |
| Average equity | $34,318,000 | 1,950 |
| Average total loans | $166,623,000 | 2,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 4,542 |
| Cost of funding earning assets | 1.2234% | 2,165 |
| Net interest margin | 3.4587% | 5,362 |
| Noninterest income to average assets | 0.8151% | 1,979 |
| Noninterest expense to average assets | 2.2434% | 6,183 |
| Loan and lease loss provision to assets | 0.7815% | 1,202 |
| Net operating income to assets | 0.8039% | 3,138 |
| Return on assets (ROA) | 0.8039% | 3,307 |
| Pretax return on assets | 0.8039% | 4,115 |
| Return on Equity (ROE) | 8.0723% | 3,009 |
| Retained earnings to average equity (ytd only) | -3.3385% | 6,450 |
| Net charge-offs to loans | 1.3900% | 1,087 |
| Credit loss provision to net charge-offs | 114.9772% | 2,843 |
| Earnings coverage of net charge-offs (x) | 2.3326% | 3,958 |
| Efficiency ratio | 58.5928% | 5,918 |
| Assets per employee ($millions) | 3.7670% | 4,372 |
| Cash dividends to net income (ytd only)* | 141.3580% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 2,287 |
| Loan loss allowance to noncurrent loans | 147.3218% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 4,781 |
| Noncurrent loans to loans | 1.3692% | 4,240 |
| Net loans and leases to total assets | 47.1591% | 6,038 |
| Net loans and leases to deposits | 53.9086% | 6,219 |
| Net loans and leases to core deposits | 56.7886% | 6,244 |
| Total domestic deposits to total assets | 87.4798% | 2,364 |
| Equity capital to assets | 9.8551% | 4,541 |
| Core capital (leverage) ratio | 9.3704% | 4,350 |
| Tier 1 risk-based capital ratio | 16.3776% | 2,924 |
| Total risk-based capital ratio | 17.6329% | 2,885 |
| Memoranda: | ||
| Average total assets | $344,474,500 | 1,886 |
| Average earning assets | $300,140,000 | 1,958 |
| Average equity | $34,305,500 | 1,956 |
| Average total loans | $168,442,000 | 2,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 4,719 |
| Cost of funding earning assets | 1.3054% | 1,913 |
| Net interest margin | 3.3521% | 5,702 |
| Noninterest income to average assets | 0.7993% | 2,018 |
| Noninterest expense to average assets | 2.2178% | 6,339 |
| Loan and lease loss provision to assets | 0.0980% | 5,094 |
| Net operating income to assets | 1.4277% | 1,027 |
| Return on assets (ROA) | 1.4277% | 1,090 |
| Pretax return on assets | 1.4277% | 1,733 |
| Return on Equity (ROE) | 14.2867% | 921 |
| Retained earnings to average equity (ytd only) | -2.7436% | 6,343 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2443% | 5,992 |
| Assets per employee ($millions) | 3.8575% | 4,075 |
| Cash dividends to net income (ytd only)* | 119.2042% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9534% | 2,496 |
| Loan loss allowance to noncurrent loans | 528.4314% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 5,906 |
| Noncurrent loans to loans | 0.3697% | 6,167 |
| Net loans and leases to total assets | 46.2427% | 6,241 |
| Net loans and leases to deposits | 52.8629% | 6,408 |
| Net loans and leases to core deposits | 55.5537% | 6,448 |
| Total domestic deposits to total assets | 87.4768% | 2,480 |
| Equity capital to assets | 9.7602% | 4,446 |
| Core capital (leverage) ratio | 9.2879% | 4,266 |
| Tier 1 risk-based capital ratio | 16.2867% | 2,839 |
| Total risk-based capital ratio | 17.5412% | 2,808 |
| Memoranda: | ||
| Average total assets | $345,033,670 | 1,889 |
| Average earning assets | $303,038,330 | 1,954 |
| Average equity | $34,479,670 | 1,935 |
| Average total loans | $169,593,330 | 2,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 4,803 |
| Cost of funding earning assets | 1.2811% | 2,300 |
| Net interest margin | 3.3532% | 5,597 |
| Noninterest income to average assets | 0.8128% | 1,980 |
| Noninterest expense to average assets | 2.2922% | 6,206 |
| Loan and lease loss provision to assets | 0.0819% | 4,978 |
| Net operating income to assets | 1.3987% | 1,064 |
| Return on assets (ROA) | 1.3987% | 1,106 |
| Pretax return on assets | 1.3987% | 1,728 |
| Return on Equity (ROE) | 13.8310% | 1,021 |
| Retained earnings to average equity (ytd only) | 2.5095% | 4,653 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7564% | 5,869 |
| Assets per employee ($millions) | 3.9821% | 3,873 |
| Cash dividends to net income (ytd only)* | 81.8562% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 2,863 |
| Loan loss allowance to noncurrent loans | 390.8978% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 5,874 |
| Noncurrent loans to loans | 0.4726% | 6,075 |
| Net loans and leases to total assets | 46.4797% | 6,243 |
| Net loans and leases to deposits | 52.9542% | 6,396 |
| Net loans and leases to core deposits | 55.7143% | 6,437 |
| Total domestic deposits to total assets | 87.7734% | 2,508 |
| Equity capital to assets | 9.6730% | 4,216 |
| Core capital (leverage) ratio | 9.8520% | 3,332 |
| Tier 1 risk-based capital ratio | 16.3059% | 2,758 |
| Total risk-based capital ratio | 17.5594% | 2,716 |
| Memoranda: | ||
| Average total assets | $342,036,500 | 1,922 |
| Average earning assets | $301,924,000 | 1,976 |
| Average equity | $34,589,000 | 1,918 |
| Average total loans | $171,610,500 | 2,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 5,089 |
| Cost of funding earning assets | 1.3877% | 3,349 |
| Net interest margin | 3.5008% | 5,249 |
| Noninterest income to average assets | 0.9271% | 1,751 |
| Noninterest expense to average assets | 2.3679% | 6,172 |
| Loan and lease loss provision to assets | 0.1142% | 6,018 |
| Net operating income to assets | 1.6163% | 606 |
| Return on assets (ROA) | 1.6163% | 650 |
| Pretax return on assets | 1.6163% | 1,093 |
| Return on Equity (ROE) | 15.9386% | 592 |
| Retained earnings to average equity (ytd only) | 4.1792% | 2,919 |
| Net charge-offs to loans | 0.1271% | 5,626 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 25.2444% | 841 |
| Efficiency ratio | 57.7758% | 6,364 |
| Assets per employee ($millions) | 3.5400% | 4,849 |
| Cash dividends to net income (ytd only)* | 73.7795% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,971 |
| Loan loss allowance to noncurrent loans | 667.7560% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 5,997 |
| Noncurrent loans to loans | 0.2645% | 6,534 |
| Net loans and leases to total assets | 52.3339% | 5,869 |
| Net loans and leases to deposits | 60.4986% | 5,997 |
| Net loans and leases to core deposits | 64.1210% | 6,042 |
| Total domestic deposits to total assets | 86.5043% | 3,079 |
| Equity capital to assets | 10.5965% | 3,067 |
| Core capital (leverage) ratio | 10.3890% | 2,682 |
| Tier 1 risk-based capital ratio | 14.7456% | 3,398 |
| Total risk-based capital ratio | 15.9971% | 3,354 |
| Memoranda: | ||
| Average total assets | $328,227,600 | 1,984 |
| Average earning assets | $297,332,400 | 1,999 |
| Average equity | $33,284,000 | 1,986 |
| Average total loans | $176,979,400 | 2,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 5,490 |
| Cost of funding earning assets | 1.4117% | 3,509 |
| Net interest margin | 3.4334% | 5,560 |
| Noninterest income to average assets | 0.9349% | 1,673 |
| Noninterest expense to average assets | 2.3689% | 6,118 |
| Loan and lease loss provision to assets | 0.1180% | 5,847 |
| Net operating income to assets | 1.5767% | 773 |
| Return on assets (ROA) | 1.5767% | 850 |
| Pretax return on assets | 1.5767% | 1,402 |
| Return on Equity (ROE) | 15.7236% | 745 |
| Retained earnings to average equity (ytd only) | -0.1051% | 5,810 |
| Net charge-offs to loans | 0.1110% | 5,428 |
| Credit loss provision to net charge-offs | 196.6216% | 1,816 |
| Earnings coverage of net charge-offs (x) | 28.2430% | 916 |
| Efficiency ratio | 58.2959% | 6,221 |
| Assets per employee ($millions) | 3.6434% | 4,635 |
| Cash dividends to net income (ytd only)* | 100.6686% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 3,093 |
| Loan loss allowance to noncurrent loans | 262.7148% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 6,161 |
| Noncurrent loans to loans | 0.6547% | 5,898 |
| Net loans and leases to total assets | 52.6981% | 6,013 |
| Net loans and leases to deposits | 60.4298% | 6,277 |
| Net loans and leases to core deposits | 65.0925% | 6,203 |
| Total domestic deposits to total assets | 87.2055% | 2,417 |
| Equity capital to assets | 9.9361% | 4,238 |
| Core capital (leverage) ratio | 9.5265% | 3,865 |
| Tier 1 risk-based capital ratio | 13.6675% | 4,075 |
| Total risk-based capital ratio | 14.9186% | 4,025 |
| Memoranda: | ||
| Average total assets | $328,864,000 | 2,005 |
| Average earning assets | $299,678,750 | 2,010 |
| Average equity | $32,977,250 | 2,019 |
| Average total loans | $177,847,500 | 2,412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 6,165 |
| Cost of funding earning assets | 1.4072% | 3,831 |
| Net interest margin | 3.2865% | 6,060 |
| Noninterest income to average assets | 0.9105% | 1,655 |
| Noninterest expense to average assets | 2.3691% | 6,154 |
| Loan and lease loss provision to assets | 0.1232% | 5,661 |
| Net operating income to assets | 1.4489% | 995 |
| Return on assets (ROA) | 1.4489% | 1,062 |
| Pretax return on assets | 1.4489% | 1,700 |
| Return on Equity (ROE) | 14.4049% | 956 |
| Retained earnings to average equity (ytd only) | -3.3951% | 6,354 |
| Net charge-offs to loans | 0.0956% | 5,190 |
| Credit loss provision to net charge-offs | 237.6471% | 1,621 |
| Earnings coverage of net charge-offs (x) | 30.3294% | 912 |
| Efficiency ratio | 60.1114% | 6,029 |
| Assets per employee ($millions) | 3.8806% | 4,032 |
| Cash dividends to net income (ytd only)* | 123.5690% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 3,053 |
| Loan loss allowance to noncurrent loans | 182.4308% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 6,093 |
| Noncurrent loans to loans | 0.9347% | 5,425 |
| Net loans and leases to total assets | 51.1798% | 6,288 |
| Net loans and leases to deposits | 58.5204% | 6,537 |
| Net loans and leases to core deposits | 63.6560% | 6,430 |
| Total domestic deposits to total assets | 87.4564% | 2,282 |
| Equity capital to assets | 9.6168% | 4,520 |
| Core capital (leverage) ratio | 9.2554% | 4,200 |
| Tier 1 risk-based capital ratio | 15.1431% | 3,085 |
| Total risk-based capital ratio | 16.3959% | 3,034 |
| Memoranda: | ||
| Average total assets | $327,969,000 | 2,022 |
| Average earning assets | $302,448,670 | 2,013 |
| Average equity | $32,988,670 | 2,015 |
| Average total loans | $177,870,670 | 2,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 6,216 |
| Cost of funding earning assets | 1.3980% | 4,192 |
| Net interest margin | 3.3095% | 5,935 |
| Noninterest income to average assets | 0.9514% | 1,448 |
| Noninterest expense to average assets | 2.3985% | 6,094 |
| Loan and lease loss provision to assets | 0.1445% | 5,109 |
| Net operating income to assets | 1.4657% | 953 |
| Return on assets (ROA) | 1.4657% | 1,026 |
| Pretax return on assets | 1.4657% | 1,607 |
| Return on Equity (ROE) | 14.2397% | 1,008 |
| Retained earnings to average equity (ytd only) | 2.3955% | 4,704 |
| Net charge-offs to loans | 0.0697% | 4,715 |
| Credit loss provision to net charge-offs | 374.1935% | 1,091 |
| Earnings coverage of net charge-offs (x) | 41.7097% | 664 |
| Efficiency ratio | 59.8322% | 6,208 |
| Assets per employee ($millions) | 3.9736% | 3,938 |
| Cash dividends to net income (ytd only)* | 83.1776% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 3,108 |
| Loan loss allowance to noncurrent loans | 174.0139% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 6,038 |
| Noncurrent loans to loans | 0.9699% | 5,396 |
| Net loans and leases to total assets | 51.1369% | 6,360 |
| Net loans and leases to deposits | 58.4728% | 6,591 |
| Net loans and leases to core deposits | 63.5094% | 6,489 |
| Total domestic deposits to total assets | 87.4541% | 2,384 |
| Equity capital to assets | 9.7229% | 4,196 |
| Core capital (leverage) ratio | 9.9867% | 3,176 |
| Tier 1 risk-based capital ratio | 15.4074% | 2,914 |
| Total risk-based capital ratio | 16.6600% | 2,863 |
| Memoranda: | ||
| Average total assets | $321,205,500 | 2,119 |
| Average earning assets | $296,718,500 | 2,100 |
| Average equity | $33,062,500 | 2,029 |
| Average total loans | $177,901,500 | 2,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 5,570 |
| Cost of funding earning assets | 1.5946% | 5,049 |
| Net interest margin | 3.6229% | 4,460 |
| Noninterest income to average assets | 0.9579% | 1,712 |
| Noninterest expense to average assets | 2.6098% | 5,762 |
| Loan and lease loss provision to assets | 0.1949% | 5,788 |
| Net operating income to assets | 1.5029% | 668 |
| Return on assets (ROA) | 1.5080% | 710 |
| Pretax return on assets | 1.5080% | 1,169 |
| Return on Equity (ROE) | 13.8587% | 808 |
| Retained earnings to average equity (ytd only) | 1.6194% | 3,948 |
| Net charge-offs to loans | 0.1084% | 6,071 |
| Credit loss provision to net charge-offs | 309.7297% | 1,064 |
| Earnings coverage of net charge-offs (x) | 26.9784% | 839 |
| Efficiency ratio | 60.5860% | 6,391 |
| Assets per employee ($millions) | 3.3409% | 5,399 |
| Cash dividends to net income (ytd only)* | 88.3149% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,138 |
| Loan loss allowance to noncurrent loans | 180.1607% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 5,815 |
| Noncurrent loans to loans | 0.9087% | 5,489 |
| Net loans and leases to total assets | 58.2471% | 5,623 |
| Net loans and leases to deposits | 67.5202% | 5,888 |
| Net loans and leases to core deposits | 78.6285% | 6,209 |
| Total domestic deposits to total assets | 86.2662% | 2,881 |
| Equity capital to assets | 10.9415% | 2,746 |
| Core capital (leverage) ratio | 10.7350% | 2,398 |
| Tier 1 risk-based capital ratio | 14.6907% | 3,105 |
| Total risk-based capital ratio | 15.9422% | 3,063 |
| Memoranda: | ||
| Average total assets | $293,964,400 | 2,255 |
| Average earning assets | $271,795,600 | 2,224 |
| Average equity | $31,987,200 | 2,093 |
| Average total loans | $170,718,400 | 2,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 5,800 |
| Cost of funding earning assets | 1.6301% | 5,255 |
| Net interest margin | 3.5895% | 4,517 |
| Noninterest income to average assets | 0.9575% | 1,749 |
| Noninterest expense to average assets | 2.4920% | 6,096 |
| Loan and lease loss provision to assets | 0.0570% | 6,796 |
| Net operating income to assets | 1.7403% | 520 |
| Return on assets (ROA) | 1.7471% | 533 |
| Pretax return on assets | 1.7471% | 884 |
| Return on Equity (ROE) | 16.0789% | 645 |
| Retained earnings to average equity (ytd only) | 3.7531% | 3,187 |
| Net charge-offs to loans | 0.0624% | 6,080 |
| Credit loss provision to net charge-offs | 158.2278% | 3,007 |
| Earnings coverage of net charge-offs (x) | 49.8737% | 638 |
| Efficiency ratio | 58.0985% | 6,707 |
| Assets per employee ($millions) | 3.2681% | 5,470 |
| Cash dividends to net income (ytd only)* | 76.6580% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 3,533 |
| Loan loss allowance to noncurrent loans | 964.0449% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 7,019 |
| Noncurrent loans to loans | 0.1538% | 7,098 |
| Net loans and leases to total assets | 57.5172% | 5,967 |
| Net loans and leases to deposits | 66.9782% | 6,216 |
| Net loans and leases to core deposits | 74.8622% | 6,677 |
| Total domestic deposits to total assets | 85.8745% | 2,766 |
| Equity capital to assets | 11.0569% | 2,966 |
| Core capital (leverage) ratio | 10.7144% | 2,631 |
| Tier 1 risk-based capital ratio | 15.4762% | 2,839 |
| Total risk-based capital ratio | 16.7230% | 2,780 |
| Memoranda: | ||
| Average total assets | $292,285,250 | 2,290 |
| Average earning assets | $271,306,500 | 2,246 |
| Average equity | $31,759,250 | 2,129 |
| Average total loans | $168,884,750 | 2,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 5,856 |
| Cost of funding earning assets | 1.6677% | 5,434 |
| Net interest margin | 3.5842% | 4,436 |
| Noninterest income to average assets | 0.9078% | 1,952 |
| Noninterest expense to average assets | 2.4427% | 6,323 |
| Loan and lease loss provision to assets | 0.0482% | 6,754 |
| Net operating income to assets | 1.7379% | 525 |
| Return on assets (ROA) | 1.7482% | 560 |
| Pretax return on assets | 1.7482% | 934 |
| Return on Equity (ROE) | 16.1862% | 672 |
| Retained earnings to average equity (ytd only) | -2.5235% | 5,869 |
| Net charge-offs to loans | -0.0155% | 7,658 |
| Credit loss provision to net charge-offs | -538.4615% | 7,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7637% | 6,896 |
| Assets per employee ($millions) | 3.2949% | 5,337 |
| Cash dividends to net income (ytd only)* | 115.5906% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 3,143 |
| Loan loss allowance to noncurrent loans | 1,266.9903% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 7,294 |
| Noncurrent loans to loans | 0.1190% | 7,219 |
| Net loans and leases to total assets | 56.8630% | 6,105 |
| Net loans and leases to deposits | 65.7750% | 6,415 |
| Net loans and leases to core deposits | 73.5509% | 6,815 |
| Total domestic deposits to total assets | 86.4508% | 2,535 |
| Equity capital to assets | 10.4145% | 3,503 |
| Core capital (leverage) ratio | 10.1769% | 3,119 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,167 |
| Total risk-based capital ratio | 15.9000% | 3,114 |
| Memoranda: | ||
| Average total assets | $290,581,000 | 2,313 |
| Average earning assets | $269,237,670 | 2,280 |
| Average equity | $31,384,670 | 2,156 |
| Average total loans | $167,303,330 | 2,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 5,674 |
| Cost of funding earning assets | 1.6600% | 5,776 |
| Net interest margin | 3.6870% | 3,951 |
| Noninterest income to average assets | 0.9148% | 1,794 |
| Noninterest expense to average assets | 2.6494% | 5,221 |
| Loan and lease loss provision to assets | 0.0518% | 6,310 |
| Net operating income to assets | 1.6282% | 747 |
| Return on assets (ROA) | 1.6282% | 818 |
| Pretax return on assets | 1.6282% | 1,337 |
| Return on Equity (ROE) | 14.7979% | 1,015 |
| Retained earnings to average equity (ytd only) | 2.3519% | 4,568 |
| Net charge-offs to loans | -0.0900% | 7,849 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1955% | 6,219 |
| Assets per employee ($millions) | 3.4507% | 4,941 |
| Cash dividends to net income (ytd only)* | 84.1065% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 2,671 |
| Loan loss allowance to noncurrent loans | 280.8855% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 4,312 |
| Noncurrent loans to loans | 0.5573% | 6,022 |
| Net loans and leases to total assets | 53.8590% | 6,481 |
| Net loans and leases to deposits | 62.4570% | 6,694 |
| Net loans and leases to core deposits | 69.3094% | 7,064 |
| Total domestic deposits to total assets | 86.2338% | 2,595 |
| Equity capital to assets | 10.4191% | 3,551 |
| Core capital (leverage) ratio | 10.9296% | 2,558 |
| Tier 1 risk-based capital ratio | 15.2270% | 2,960 |
| Total risk-based capital ratio | 16.4771% | 2,909 |
| Memoranda: | ||
| Average total assets | $285,955,000 | 2,356 |
| Average earning assets | $264,821,500 | 2,326 |
| Average equity | $31,464,000 | 2,155 |
| Average total loans | $164,403,000 | 2,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9737% | 5,674 |
| Cost of funding earning assets | 1.9781% | 6,480 |
| Net interest margin | 3.9956% | 3,135 |
| Noninterest income to average assets | 1.1742% | 1,117 |
| Noninterest expense to average assets | 2.7956% | 4,833 |
| Loan and lease loss provision to assets | 0.0733% | 6,479 |
| Net operating income to assets | 1.9911% | 360 |
| Return on assets (ROA) | 2.0101% | 328 |
| Pretax return on assets | 2.0101% | 591 |
| Return on Equity (ROE) | 17.0916% | 618 |
| Retained earnings to average equity (ytd only) | 3.8194% | 2,753 |
| Net charge-offs to loans | 0.1469% | 4,743 |
| Credit loss provision to net charge-offs | 85.9091% | 5,765 |
| Earnings coverage of net charge-offs (x) | 24.1909% | 1,379 |
| Efficiency ratio | 57.5225% | 6,773 |
| Assets per employee ($millions) | 3.1192% | 5,720 |
| Cash dividends to net income (ytd only)* | 77.6534% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,433 |
| Loan loss allowance to noncurrent loans | 48.6710% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9691% | 2,500 |
| Noncurrent loans to loans | 3.1920% | 1,649 |
| Net loans and leases to total assets | 59.6942% | 5,957 |
| Net loans and leases to deposits | 70.9338% | 6,177 |
| Net loans and leases to core deposits | 79.4333% | 6,654 |
| Total domestic deposits to total assets | 84.1549% | 3,239 |
| Equity capital to assets | 11.6642% | 2,523 |
| Core capital (leverage) ratio | 11.5368% | 2,229 |
| Tier 1 risk-based capital ratio | 15.8395% | 2,727 |
| Total risk-based capital ratio | 17.0901% | 2,666 |
| Memoranda: | ||
| Average total assets | $257,794,600 | 2,483 |
| Average earning assets | $237,809,200 | 2,472 |
| Average equity | $30,319,000 | 2,235 |
| Average total loans | $149,723,000 | 2,935 |