Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, Performance and Condition Ratios
| 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 | 4.8334% | 1,541 |
| Cost of funding earning assets | 1.6813% | 602 |
| Net interest margin | 3.1521% | 3,228 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.4337% | 2,427 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7936% | 3,208 |
| Return on assets (ROA) | 0.7825% | 3,199 |
| Pretax return on assets | 1.0166% | 2,946 |
| Return on Equity (ROE) | 6.2200% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.2179% | 2,709 |
| Net charge-offs to loans | 0.0228% | 1,226 |
| Credit loss provision to net charge-offs | 72.3404% | 1,239 |
| Earnings coverage of net charge-offs (x) | 81.4787% | 886 |
| Efficiency ratio | 68.4892% | 1,920 |
| Assets per employee ($millions) | 15.0510% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,993 |
| Loan loss allowance to noncurrent loans | 138.3951% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 1,078 |
| Noncurrent loans to loans | 0.8034% | 958 |
| Net loans and leases to total assets | 55.5800% | 3,065 |
| Net loans and leases to deposits | 64.5054% | 3,046 |
| Net loans and leases to core deposits | 86.0061% | 1,864 |
| Total domestic deposits to total assets | 86.1700% | 2,540 |
| Equity capital to assets | 12.8654% | 794 |
| Core capital (leverage) ratio | 9.5939% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8681% | 2,022 |
| Memoranda: | ||
| Average total assets | $2,955,613,000 | 406 |
| Average earning assets | $2,554,644,500 | 417 |
| Average equity | $371,960,500 | 335 |
| Average total loans | $1,650,310,500 | 470 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 1,716 |
| Cost of funding earning assets | 0.5135% | 1,303 |
| Net interest margin | 3.4874% | 1,966 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.4677% | 2,213 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.9089% | 2,923 |
| Return on assets (ROA) | 0.9037% | 2,881 |
| Pretax return on assets | 1.1595% | 2,570 |
| Return on Equity (ROE) | 6.7000% | 3,696 |
| Retained earnings to average equity (ytd only) | 0.6423% | 4,251 |
| Net charge-offs to loans | 0.3088% | 247 |
| Credit loss provision to net charge-offs | 133.6287% | 1,383 |
| Earnings coverage of net charge-offs (x) | 8.5137% | 2,263 |
| Efficiency ratio | 62.0961% | 2,751 |
| Assets per employee ($millions) | 14.0343% | 242 |
| Cash dividends to net income (ytd only)* | 90.4091% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,763 |
| Loan loss allowance to noncurrent loans | 137.2408% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 964 |
| Noncurrent loans to loans | 0.8191% | 902 |
| Net loans and leases to total assets | 54.8400% | 3,130 |
| Net loans and leases to deposits | 62.9888% | 3,114 |
| Net loans and leases to core deposits | 80.4352% | 2,104 |
| Total domestic deposits to total assets | 87.0600% | 2,378 |
| Equity capital to assets | 12.3054% | 849 |
| Core capital (leverage) ratio | 9.2908% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5110% | 2,162 |
| Memoranda: | ||
| Average total assets | $2,937,360,400 | 402 |
| Average earning assets | $2,559,824,800 | 406 |
| Average equity | $396,361,600 | 309 |
| Average total loans | $1,571,530,200 | 457 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 1,844 |
| Cost of funding earning assets | 0.3064% | 2,099 |
| Net interest margin | 3.4604% | 1,777 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.5255% | 1,939 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 0.8728% | 2,994 |
| Return on assets (ROA) | 0.8652% | 2,991 |
| Pretax return on assets | 1.1102% | 2,686 |
| Return on Equity (ROE) | 6.2700% | 3,740 |
| Retained earnings to average equity (ytd only) | 0.0073% | 4,328 |
| Net charge-offs to loans | 0.3870% | 160 |
| Credit loss provision to net charge-offs | 139.9778% | 1,153 |
| Earnings coverage of net charge-offs (x) | 7.0483% | 2,088 |
| Efficiency ratio | 62.0015% | 2,823 |
| Assets per employee ($millions) | 13.2308% | 286 |
| Cash dividends to net income (ytd only)* | 99.8843% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,881 |
| Loan loss allowance to noncurrent loans | 124.3759% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 896 |
| Noncurrent loans to loans | 0.9088% | 860 |
| Net loans and leases to total assets | 54.5100% | 3,048 |
| Net loans and leases to deposits | 62.3993% | 2,994 |
| Net loans and leases to core deposits | 74.8642% | 2,287 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 11.8638% | 911 |
| Core capital (leverage) ratio | 9.1312% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1470% | 2,405 |
| Memoranda: | ||
| Average total assets | $2,931,390,750 | 399 |
| Average earning assets | $2,561,420,750 | 406 |
| Average equity | $404,354,000 | 303 |
| Average total loans | $1,553,803,000 | 458 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 1,948 |
| Cost of funding earning assets | 0.1724% | 3,284 |
| Net interest margin | 3.3917% | 1,632 |
| Noninterest income to average assets | 1.0269% | 630 |
| Noninterest expense to average assets | 2.5772% | 1,703 |
| Loan and lease loss provision to assets | 0.2561% | 277 |
| Net operating income to assets | 0.9065% | 2,555 |
| Return on assets (ROA) | 0.9004% | 2,550 |
| Pretax return on assets | 1.1560% | 2,225 |
| Return on Equity (ROE) | 6.2292% | 3,523 |
| Retained earnings to average equity (ytd only) | 1.9525% | 3,764 |
| Net charge-offs to loans | 0.6104% | 109 |
| Credit loss provision to net charge-offs | 69.8020% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.4494% | 1,954 |
| Efficiency ratio | 62.8278% | 2,938 |
| Assets per employee ($millions) | 11.7071% | 406 |
| Cash dividends to net income (ytd only)* | 68.6551% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,817 |
| Loan loss allowance to noncurrent loans | 156.5182% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 1,220 |
| Noncurrent loans to loans | 0.6034% | 1,401 |
| Net loans and leases to total assets | 54.6308% | 2,895 |
| Net loans and leases to deposits | 64.5806% | 2,670 |
| Net loans and leases to core deposits | 74.6370% | 2,115 |
| Total domestic deposits to total assets | 84.5932% | 3,569 |
| Equity capital to assets | 12.9288% | 675 |
| Core capital (leverage) ratio | 9.5034% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4524% | 2,305 |
| Memoranda: | ||
| Average total assets | $2,911,802,333 | 394 |
| Average earning assets | $2,549,922,000 | 409 |
| Average equity | $420,889,667 | 293 |
| Average total loans | $1,522,196,000 | 459 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3754% | 2,161 |
| Cost of funding earning assets | 0.0876% | 4,274 |
| Net interest margin | 3.2878% | 1,595 |
| Noninterest income to average assets | 1.1059% | 554 |
| Noninterest expense to average assets | 2.7262% | 1,302 |
| Loan and lease loss provision to assets | 0.3938% | 136 |
| Net operating income to assets | 0.6778% | 3,131 |
| Return on assets (ROA) | 0.6948% | 3,068 |
| Pretax return on assets | 0.8874% | 2,819 |
| Return on Equity (ROE) | 4.5596% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.5596% | 2,756 |
| Net charge-offs to loans | 1.1799% | 59 |
| Credit loss provision to net charge-offs | 62.5520% | 1,160 |
| Earnings coverage of net charge-offs (x) | 2.1015% | 1,714 |
| Efficiency ratio | 66.6933% | 2,676 |
| Assets per employee ($millions) | 10.7941% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,640 |
| Loan loss allowance to noncurrent loans | 143.2567% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 1,279 |
| Noncurrent loans to loans | 0.7108% | 1,336 |
| Net loans and leases to total assets | 51.1150% | 3,057 |
| Net loans and leases to deposits | 60.2402% | 2,878 |
| Net loans and leases to core deposits | 67.0181% | 2,533 |
| Total domestic deposits to total assets | 84.8521% | 3,571 |
| Equity capital to assets | 14.5392% | 441 |
| Core capital (leverage) ratio | 10.0096% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7639% | 1,891 |
| Memoranda: | ||
| Average total assets | $2,886,761,000 | 399 |
| Average earning assets | $2,528,733,000 | 416 |
| Average equity | $439,866,500 | 293 |
| Average total loans | $1,466,530,000 | 474 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 2,071 |
| Cost of funding earning assets | 0.1633% | 3,838 |
| Net interest margin | 3.5499% | 1,602 |
| Noninterest income to average assets | 1.1221% | 835 |
| Noninterest expense to average assets | 2.7898% | 1,388 |
| Loan and lease loss provision to assets | -0.2893% | 4,768 |
| Net operating income to assets | 1.3229% | 1,544 |
| Return on assets (ROA) | 1.3207% | 1,592 |
| Pretax return on assets | 1.7261% | 1,080 |
| Return on Equity (ROE) | 8.3208% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.5013% | 4,117 |
| Net charge-offs to loans | 0.0632% | 1,156 |
| Credit loss provision to net charge-offs | -867.5510% | 3,888 |
| Earnings coverage of net charge-offs (x) | 43.4327% | 1,387 |
| Efficiency ratio | 64.2659% | 2,520 |
| Assets per employee ($millions) | 10.3251% | 609 |
| Cash dividends to net income (ytd only)* | 81.9567% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,022 |
| Loan loss allowance to noncurrent loans | 243.2225% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 1,829 |
| Noncurrent loans to loans | 0.4808% | 1,927 |
| Net loans and leases to total assets | 49.3752% | 3,366 |
| Net loans and leases to deposits | 59.3301% | 3,141 |
| Net loans and leases to core deposits | 63.5900% | 3,023 |
| Total domestic deposits to total assets | 83.2212% | 3,761 |
| Equity capital to assets | 15.9385% | 389 |
| Core capital (leverage) ratio | 9.8367% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4835% | 1,689 |
| Memoranda: | ||
| Average total assets | $2,956,470,600 | 378 |
| Average earning assets | $2,587,905,000 | 393 |
| Average equity | $469,248,200 | 282 |
| Average total loans | $1,549,942,200 | 460 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 2,101 |
| Cost of funding earning assets | 0.1743% | 3,877 |
| Net interest margin | 3.5928% | 1,615 |
| Noninterest income to average assets | 1.1778% | 825 |
| Noninterest expense to average assets | 2.8423% | 1,239 |
| Loan and lease loss provision to assets | -0.2689% | 4,812 |
| Net operating income to assets | 1.3361% | 1,724 |
| Return on assets (ROA) | 1.3488% | 1,750 |
| Pretax return on assets | 1.7626% | 1,249 |
| Return on Equity (ROE) | 8.5069% | 3,255 |
| Retained earnings to average equity (ytd only) | 2.5721% | 4,037 |
| Net charge-offs to loans | 0.0559% | 1,091 |
| Credit loss provision to net charge-offs | -918.0030% | 3,836 |
| Earnings coverage of net charge-offs (x) | 49.8820% | 1,242 |
| Efficiency ratio | 64.1149% | 2,370 |
| Assets per employee ($millions) | 9.9849% | 641 |
| Cash dividends to net income (ytd only)* | 69.7651% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 2,291 |
| Loan loss allowance to noncurrent loans | 129.0034% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,434 |
| Noncurrent loans to loans | 1.0366% | 1,097 |
| Net loans and leases to total assets | 50.5966% | 3,333 |
| Net loans and leases to deposits | 61.0332% | 3,132 |
| Net loans and leases to core deposits | 65.7265% | 2,973 |
| Total domestic deposits to total assets | 82.9001% | 3,731 |
| Equity capital to assets | 16.2360% | 393 |
| Core capital (leverage) ratio | 9.9436% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7674% | 1,696 |
| Memoranda: | ||
| Average total assets | $2,975,413,500 | 378 |
| Average earning assets | $2,602,052,500 | 394 |
| Average equity | $471,775,000 | 282 |
| Average total loans | $1,577,632,250 | 457 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 1,902 |
| Cost of funding earning assets | 0.1848% | 3,902 |
| Net interest margin | 3.6852% | 1,385 |
| Noninterest income to average assets | 1.1581% | 852 |
| Noninterest expense to average assets | 2.9987% | 986 |
| Loan and lease loss provision to assets | -0.1790% | 4,738 |
| Net operating income to assets | 1.1880% | 2,234 |
| Return on assets (ROA) | 1.1824% | 2,321 |
| Pretax return on assets | 1.5459% | 1,886 |
| Return on Equity (ROE) | 7.5138% | 3,525 |
| Retained earnings to average equity (ytd only) | 1.6127% | 4,214 |
| Net charge-offs to loans | 0.0805% | 866 |
| Credit loss provision to net charge-offs | -456.3077% | 3,444 |
| Earnings coverage of net charge-offs (x) | 31.8723% | 1,278 |
| Efficiency ratio | 66.8745% | 2,032 |
| Assets per employee ($millions) | 9.7728% | 655 |
| Cash dividends to net income (ytd only)* | 78.5370% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,688 |
| Loan loss allowance to noncurrent loans | 150.8908% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,585 |
| Noncurrent loans to loans | 0.9742% | 1,267 |
| Net loans and leases to total assets | 52.7708% | 3,276 |
| Net loans and leases to deposits | 64.4266% | 2,956 |
| Net loans and leases to core deposits | 69.8034% | 2,806 |
| Total domestic deposits to total assets | 81.9083% | 3,945 |
| Equity capital to assets | 16.0726% | 405 |
| Core capital (leverage) ratio | 9.5697% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9835% | 1,981 |
| Memoranda: | ||
| Average total assets | $3,015,327,667 | 373 |
| Average earning assets | $2,630,350,667 | 389 |
| Average equity | $474,484,333 | 279 |
| Average total loans | $1,615,357,667 | 443 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 1,599 |
| Cost of funding earning assets | 0.2008% | 3,909 |
| Net interest margin | 3.8057% | 1,127 |
| Noninterest income to average assets | 1.3676% | 699 |
| Noninterest expense to average assets | 3.3041% | 603 |
| Loan and lease loss provision to assets | -0.0987% | 4,717 |
| Net operating income to assets | 1.1284% | 2,390 |
| Return on assets (ROA) | 1.0970% | 2,562 |
| Pretax return on assets | 1.4318% | 2,190 |
| Return on Equity (ROE) | 7.0419% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.0419% | 2,565 |
| Net charge-offs to loans | 0.0085% | 1,608 |
| Credit loss provision to net charge-offs | -3,128.5714% | 3,643 |
| Earnings coverage of net charge-offs (x) | 302.1714% | 292 |
| Efficiency ratio | 69.0480% | 1,808 |
| Assets per employee ($millions) | 8.9285% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,247 |
| Loan loss allowance to noncurrent loans | 162.9440% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 1,829 |
| Noncurrent loans to loans | 0.9911% | 1,357 |
| Net loans and leases to total assets | 51.2943% | 3,513 |
| Net loans and leases to deposits | 63.1916% | 3,202 |
| Net loans and leases to core deposits | 68.6571% | 3,000 |
| Total domestic deposits to total assets | 81.1728% | 4,040 |
| Equity capital to assets | 15.3063% | 465 |
| Core capital (leverage) ratio | 9.2071% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4341% | 1,763 |
| Memoranda: | ||
| Average total assets | $3,081,507,000 | 364 |
| Average earning assets | $2,679,550,000 | 382 |
| Average equity | $480,043,000 | 274 |
| Average total loans | $1,651,005,500 | 432 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 3,804 |
| Cost of funding earning assets | 0.4285% | 3,415 |
| Net interest margin | 3.1748% | 3,418 |
| Noninterest income to average assets | 2.0193% | 324 |
| Noninterest expense to average assets | 3.0967% | 1,239 |
| Loan and lease loss provision to assets | 0.6649% | 266 |
| Net operating income to assets | 0.7038% | 3,423 |
| Return on assets (ROA) | 0.7171% | 3,504 |
| Pretax return on assets | 0.9651% | 3,156 |
| Return on Equity (ROE) | 3.9995% | 4,159 |
| Retained earnings to average equity (ytd only) | 0.8697% | 4,268 |
| Net charge-offs to loans | 0.0361% | 2,330 |
| Credit loss provision to net charge-offs | 3,372.4684% | 298 |
| Earnings coverage of net charge-offs (x) | 81.8671% | 884 |
| Efficiency ratio | 63.0347% | 2,969 |
| Assets per employee ($millions) | 10.1341% | 506 |
| Cash dividends to net income (ytd only)* | 78.2541% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,183 |
| Loan loss allowance to noncurrent loans | 158.5288% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 1,794 |
| Noncurrent loans to loans | 1.0375% | 1,373 |
| Net loans and leases to total assets | 54.0336% | 3,482 |
| Net loans and leases to deposits | 65.3492% | 3,331 |
| Net loans and leases to core deposits | 71.3954% | 3,138 |
| Total domestic deposits to total assets | 82.6844% | 3,499 |
| Equity capital to assets | 15.8345% | 448 |
| Core capital (leverage) ratio | 17.6335% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3441% | 1,729 |
| Memoranda: | ||
| Average total assets | $1,603,750,600 | 582 |
| Average earning assets | $1,359,074,400 | 618 |
| Average equity | $287,562,800 | 385 |
| Average total loans | $874,154,800 | 734 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 1,733 |
| Cost of funding earning assets | 0.6105% | 2,549 |
| Net interest margin | 3.8303% | 1,538 |
| Noninterest income to average assets | 2.5645% | 231 |
| Noninterest expense to average assets | 3.7311% | 499 |
| Loan and lease loss provision to assets | 0.2086% | 1,928 |
| Net operating income to assets | 1.3608% | 1,199 |
| Return on assets (ROA) | 1.3850% | 1,232 |
| Pretax return on assets | 1.8379% | 731 |
| Return on Equity (ROE) | 7.1754% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.0448% | 3,919 |
| Net charge-offs to loans | 0.0586% | 1,773 |
| Credit loss provision to net charge-offs | 653.6332% | 1,114 |
| Earnings coverage of net charge-offs (x) | 63.3875% | 1,064 |
| Efficiency ratio | 61.9737% | 3,085 |
| Assets per employee ($millions) | 8.5377% | 830 |
| Cash dividends to net income (ytd only)* | 71.5023% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,215 |
| Loan loss allowance to noncurrent loans | 121.2417% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,202 |
| Noncurrent loans to loans | 0.9071% | 1,645 |
| Net loans and leases to total assets | 54.6233% | 3,743 |
| Net loans and leases to deposits | 75.2052% | 2,826 |
| Net loans and leases to core deposits | 80.9705% | 2,756 |
| Total domestic deposits to total assets | 72.6323% | 4,660 |
| Equity capital to assets | 18.6145% | 263 |
| Core capital (leverage) ratio | 10.0165% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4816% | 2,007 |
| Memoranda: | ||
| Average total assets | $1,211,698,000 | 737 |
| Average earning assets | $1,006,731,000 | 803 |
| Average equity | $233,887,250 | 438 |
| Average total loans | $657,046,750 | 910 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,488 |
| Cost of funding earning assets | 0.6885% | 2,456 |
| Net interest margin | 3.9774% | 1,381 |
| Noninterest income to average assets | 2.2584% | 257 |
| Noninterest expense to average assets | 3.6476% | 613 |
| Loan and lease loss provision to assets | 0.3967% | 1,022 |
| Net operating income to assets | 1.1443% | 1,826 |
| Return on assets (ROA) | 1.1769% | 1,842 |
| Pretax return on assets | 1.5573% | 1,328 |
| Return on Equity (ROE) | 6.0192% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.5688% | 3,560 |
| Net charge-offs to loans | 0.0460% | 1,830 |
| Credit loss provision to net charge-offs | 1,595.2381% | 578 |
| Earnings coverage of net charge-offs (x) | 77.1565% | 830 |
| Efficiency ratio | 62.3446% | 3,070 |
| Assets per employee ($millions) | 8.2678% | 881 |
| Cash dividends to net income (ytd only)* | 57.3230% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,513 |
| Loan loss allowance to noncurrent loans | 164.7254% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 2,614 |
| Noncurrent loans to loans | 0.7288% | 2,056 |
| Net loans and leases to total assets | 55.1964% | 3,757 |
| Net loans and leases to deposits | 72.2647% | 3,232 |
| Net loans and leases to core deposits | 77.8204% | 3,125 |
| Total domestic deposits to total assets | 76.3809% | 4,390 |
| Equity capital to assets | 18.7809% | 246 |
| Core capital (leverage) ratio | 10.0272% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5772% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,185,868,333 | 738 |
| Average earning assets | $984,508,667 | 803 |
| Average equity | $231,857,667 | 440 |
| Average total loans | $638,720,000 | 916 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 1,397 |
| Cost of funding earning assets | 0.8308% | 2,220 |
| Net interest margin | 3.9767% | 1,455 |
| Noninterest income to average assets | 1.5424% | 375 |
| Noninterest expense to average assets | 3.5593% | 857 |
| Loan and lease loss provision to assets | 0.4610% | 648 |
| Net operating income to assets | 0.6046% | 3,584 |
| Return on assets (ROA) | 0.6109% | 3,626 |
| Pretax return on assets | 0.8105% | 3,386 |
| Return on Equity (ROE) | 3.0586% | 4,200 |
| Retained earnings to average equity (ytd only) | -3.9047% | 4,428 |
| Net charge-offs to loans | 0.0745% | 1,279 |
| Credit loss provision to net charge-offs | 1,173.4513% | 510 |
| Earnings coverage of net charge-offs (x) | 32.1593% | 1,135 |
| Efficiency ratio | 69.8363% | 2,381 |
| Assets per employee ($millions) | 7.6025% | 861 |
| Cash dividends to net income (ytd only)* | 227.6608% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,473 |
| Loan loss allowance to noncurrent loans | 275.3977% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,533 |
| Noncurrent loans to loans | 0.4489% | 2,904 |
| Net loans and leases to total assets | 51.1258% | 4,172 |
| Net loans and leases to deposits | 66.0469% | 3,860 |
| Net loans and leases to core deposits | 71.7110% | 3,772 |
| Total domestic deposits to total assets | 77.4083% | 4,307 |
| Equity capital to assets | 19.3968% | 272 |
| Core capital (leverage) ratio | 10.0425% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5190% | 2,068 |
| Memoranda: | ||
| Average total assets | $1,150,447,500 | 731 |
| Average earning assets | $949,020,000 | 795 |
| Average equity | $229,776,000 | 443 |
| Average total loans | $607,036,000 | 935 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 726 |
| Cost of funding earning assets | 0.8951% | 2,209 |
| Net interest margin | 4.4664% | 772 |
| Noninterest income to average assets | 1.9373% | 275 |
| Noninterest expense to average assets | 3.7099% | 756 |
| Loan and lease loss provision to assets | 0.4699% | 277 |
| Net operating income to assets | 1.0922% | 2,472 |
| Return on assets (ROA) | 1.1783% | 2,237 |
| Pretax return on assets | 1.5252% | 1,730 |
| Return on Equity (ROE) | 5.6339% | 4,026 |
| Retained earnings to average equity (ytd only) | 0.9333% | 4,405 |
| Net charge-offs to loans | 0.4034% | 482 |
| Credit loss provision to net charge-offs | 207.6619% | 1,278 |
| Earnings coverage of net charge-offs (x) | 8.3345% | 2,782 |
| Efficiency ratio | 62.5270% | 3,288 |
| Assets per employee ($millions) | 6.6924% | 1,183 |
| Cash dividends to net income (ytd only)* | 83.4345% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 4,438 |
| Loan loss allowance to noncurrent loans | 145.1116% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,026 |
| Noncurrent loans to loans | 0.5198% | 2,623 |
| Net loans and leases to total assets | 53.3813% | 4,122 |
| Net loans and leases to deposits | 67.9777% | 3,822 |
| Net loans and leases to core deposits | 74.1828% | 3,707 |
| Total domestic deposits to total assets | 78.5276% | 4,275 |
| Equity capital to assets | 20.5616% | 227 |
| Core capital (leverage) ratio | 10.2502% | 3,246 |
| Tier 1 risk-based capital ratio | 13.5095% | 3,520 |
| Total risk-based capital ratio | 14.1058% | 3,750 |
| Memoranda: | ||
| Average total assets | $1,118,903,600 | 711 |
| Average earning assets | $916,551,000 | 785 |
| Average equity | $234,011,600 | 412 |
| Average total loans | $627,661,600 | 878 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 863 |
| Cost of funding earning assets | 0.8798% | 2,320 |
| Net interest margin | 4.4217% | 903 |
| Noninterest income to average assets | 1.8782% | 292 |
| Noninterest expense to average assets | 3.6940% | 752 |
| Loan and lease loss provision to assets | 0.5732% | 203 |
| Net operating income to assets | 0.9399% | 3,206 |
| Return on assets (ROA) | 1.0552% | 2,846 |
| Pretax return on assets | 1.3751% | 2,402 |
| Return on Equity (ROE) | 5.0237% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.1752% | 4,212 |
| Net charge-offs to loans | 0.5634% | 294 |
| Credit loss provision to net charge-offs | 179.4680% | 1,432 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,900 |
| Efficiency ratio | 63.2688% | 3,115 |
| Assets per employee ($millions) | 6.7344% | 1,138 |
| Cash dividends to net income (ytd only)* | 56.7022% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,784 |
| Loan loss allowance to noncurrent loans | 108.1132% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,164 |
| Noncurrent loans to loans | 0.5689% | 2,594 |
| Net loans and leases to total assets | 55.9570% | 4,049 |
| Net loans and leases to deposits | 71.7461% | 3,630 |
| Net loans and leases to core deposits | 77.9853% | 3,551 |
| Total domestic deposits to total assets | 77.9931% | 4,349 |
| Equity capital to assets | 20.5343% | 236 |
| Core capital (leverage) ratio | 10.7959% | 2,842 |
| Tier 1 risk-based capital ratio | 13.1834% | 3,746 |
| Total risk-based capital ratio | 13.6841% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,114,201,000 | 714 |
| Average earning assets | $911,699,000 | 790 |
| Average equity | $234,031,500 | 417 |
| Average total loans | $631,591,500 | 876 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 604 |
| Cost of funding earning assets | 0.8679% | 2,310 |
| Net interest margin | 4.5994% | 617 |
| Noninterest income to average assets | 1.8605% | 298 |
| Noninterest expense to average assets | 3.7317% | 722 |
| Loan and lease loss provision to assets | 0.6821% | 157 |
| Net operating income to assets | 0.9103% | 3,242 |
| Return on assets (ROA) | 1.0716% | 2,706 |
| Pretax return on assets | 1.4006% | 2,208 |
| Return on Equity (ROE) | 5.0619% | 4,332 |
| Retained earnings to average equity (ytd only) | 0.7656% | 4,498 |
| Net charge-offs to loans | 0.8083% | 177 |
| Credit loss provision to net charge-offs | 148.5149% | 1,509 |
| Earnings coverage of net charge-offs (x) | 4.0903% | 2,770 |
| Efficiency ratio | 62.4291% | 3,361 |
| Assets per employee ($millions) | 5.7915% | 1,703 |
| Cash dividends to net income (ytd only)* | 84.8752% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5003% | 5,015 |
| Loan loss allowance to noncurrent loans | 50.9320% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,078 |
| Noncurrent loans to loans | 0.9823% | 1,664 |
| Net loans and leases to total assets | 56.8998% | 4,017 |
| Net loans and leases to deposits | 73.3343% | 3,568 |
| Net loans and leases to core deposits | 80.2398% | 3,398 |
| Total domestic deposits to total assets | 77.5896% | 4,464 |
| Equity capital to assets | 21.5009% | 188 |
| Core capital (leverage) ratio | 10.7299% | 2,863 |
| Tier 1 risk-based capital ratio | 13.6432% | 3,512 |
| Total risk-based capital ratio | 14.0606% | 3,844 |
| Memoranda: | ||
| Average total assets | $1,099,494,670 | 724 |
| Average earning assets | $896,412,670 | 799 |
| Average equity | $232,757,670 | 416 |
| Average total loans | $624,731,330 | 885 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 819 |
| Cost of funding earning assets | 0.8297% | 2,374 |
| Net interest margin | 4.4277% | 850 |
| Noninterest income to average assets | 1.5647% | 354 |
| Noninterest expense to average assets | 3.6193% | 827 |
| Loan and lease loss provision to assets | 0.3266% | 378 |
| Net operating income to assets | 0.9287% | 3,125 |
| Return on assets (ROA) | 1.0108% | 2,848 |
| Pretax return on assets | 1.3356% | 2,309 |
| Return on Equity (ROE) | 4.8120% | 4,379 |
| Retained earnings to average equity (ytd only) | 0.5033% | 4,432 |
| Net charge-offs to loans | 0.0831% | 1,265 |
| Credit loss provision to net charge-offs | 693.8462% | 487 |
| Earnings coverage of net charge-offs (x) | 33.1077% | 1,269 |
| Efficiency ratio | 65.3940% | 3,027 |
| Assets per employee ($millions) | 6.1098% | 1,462 |
| Cash dividends to net income (ytd only)* | 89.5415% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4257% | 5,152 |
| Loan loss allowance to noncurrent loans | 27.8977% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 1,497 |
| Noncurrent loans to loans | 1.5258% | 1,055 |
| Net loans and leases to total assets | 56.6236% | 4,011 |
| Net loans and leases to deposits | 72.6366% | 3,559 |
| Net loans and leases to core deposits | 80.1511% | 3,358 |
| Total domestic deposits to total assets | 77.9546% | 4,522 |
| Equity capital to assets | 21.1725% | 192 |
| Core capital (leverage) ratio | 10.4511% | 3,106 |
| Tier 1 risk-based capital ratio | 13.3251% | 3,705 |
| Total risk-based capital ratio | 13.6781% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,104,844,000 | 717 |
| Average earning assets | $901,496,500 | 798 |
| Average equity | $232,086,000 | 415 |
| Average total loans | $625,778,000 | 886 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 4,437 |
| Cost of funding earning assets | 0.4148% | 3,899 |
| Net interest margin | 3.4077% | 3,980 |
| Noninterest income to average assets | 1.2832% | 569 |
| Noninterest expense to average assets | 2.5450% | 3,488 |
| Loan and lease loss provision to assets | 0.4667% | 269 |
| Net operating income to assets | 0.8812% | 3,489 |
| Return on assets (ROA) | 0.8759% | 3,509 |
| Pretax return on assets | 1.1548% | 3,082 |
| Return on Equity (ROE) | 5.2477% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.3913% | 3,125 |
| Net charge-offs to loans | 0.4454% | 408 |
| Credit loss provision to net charge-offs | 162.8533% | 1,703 |
| Earnings coverage of net charge-offs (x) | 5.6817% | 3,166 |
| Efficiency ratio | 57.5428% | 4,205 |
| Assets per employee ($millions) | 6.3064% | 1,315 |
| Cash dividends to net income (ytd only)* | 16.3203% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3018% | 5,281 |
| Loan loss allowance to noncurrent loans | 21.7191% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 1,739 |
| Noncurrent loans to loans | 1.3897% | 1,124 |
| Net loans and leases to total assets | 56.2451% | 4,117 |
| Net loans and leases to deposits | 72.4536% | 3,630 |
| Net loans and leases to core deposits | 80.2875% | 3,408 |
| Total domestic deposits to total assets | 77.6292% | 4,543 |
| Equity capital to assets | 20.8415% | 196 |
| Core capital (leverage) ratio | 10.1274% | 3,422 |
| Tier 1 risk-based capital ratio | 13.2298% | 3,704 |
| Total risk-based capital ratio | 13.4804% | 4,166 |
| Memoranda: | ||
| Average total assets | $1,049,323,400 | 735 |
| Average earning assets | $889,883,600 | 790 |
| Average equity | $175,142,400 | 501 |
| Average total loans | $675,192,600 | 816 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0201% | 5,278 |
| Cost of funding earning assets | 0.3098% | 4,454 |
| Net interest margin | 2.7103% | 5,162 |
| Noninterest income to average assets | 1.1441% | 718 |
| Noninterest expense to average assets | 2.1372% | 4,466 |
| Loan and lease loss provision to assets | 0.3262% | 433 |
| Net operating income to assets | 0.7552% | 4,061 |
| Return on assets (ROA) | 0.7551% | 4,070 |
| Pretax return on assets | 1.0029% | 3,713 |
| Return on Equity (ROE) | 4.8475% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.8475% | 3,319 |
| Net charge-offs to loans | 0.2388% | 718 |
| Credit loss provision to net charge-offs | 205.5240% | 1,348 |
| Earnings coverage of net charge-offs (x) | 8.3753% | 2,716 |
| Efficiency ratio | 58.4520% | 4,051 |
| Assets per employee ($millions) | 5.8551% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2055% | 5,395 |
| Loan loss allowance to noncurrent loans | 10.1771% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 1,240 |
| Noncurrent loans to loans | 2.0189% | 721 |
| Net loans and leases to total assets | 56.7149% | 4,157 |
| Net loans and leases to deposits | 72.0926% | 3,761 |
| Net loans and leases to core deposits | 79.8131% | 3,508 |
| Total domestic deposits to total assets | 78.6695% | 4,385 |
| Equity capital to assets | 20.5514% | 209 |
| Core capital (leverage) ratio | 10.0372% | 3,598 |
| Tier 1 risk-based capital ratio | 13.0388% | 3,883 |
| Total risk-based capital ratio | 13.2179% | 4,403 |
| Memoranda: | ||
| Average total assets | $1,034,172,000 | 742 |
| Average earning assets | $886,121,500 | 797 |
| Average equity | $161,096,500 | 537 |
| Average total loans | $687,448,000 | 802 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2558% | 5,531 |
| Cost of funding earning assets | 0.1493% | 5,247 |
| Net interest margin | 1.1066% | 5,530 |
| Noninterest income to average assets | 0.5888% | 2,390 |
| Noninterest expense to average assets | 0.9886% | 5,488 |
| Loan and lease loss provision to assets | 0.0667% | 2,561 |
| Net operating income to assets | 0.3821% | 4,990 |
| Return on assets (ROA) | 0.3821% | 4,993 |
| Pretax return on assets | 0.5103% | 4,888 |
| Return on Equity (ROE) | 2.7795% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.7795% | 4,141 |
| Net charge-offs to loans | 0.0094% | 2,806 |
| Credit loss provision to net charge-offs | 1,018.1818% | 397 |
| Earnings coverage of net charge-offs (x) | 88.1212% | 761 |
| Efficiency ratio | 60.4233% | 3,880 |
| Assets per employee ($millions) | 5.8195% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0434% | 5,486 |
| Loan loss allowance to noncurrent loans | 4.0486% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 2,142 |
| Noncurrent loans to loans | 1.0730% | 1,645 |
| Net loans and leases to total assets | 62.0758% | 3,593 |
| Net loans and leases to deposits | 78.6397% | 3,095 |
| Net loans and leases to core deposits | 87.3595% | 2,782 |
| Total domestic deposits to total assets | 78.9370% | 4,434 |
| Equity capital to assets | 19.2710% | 255 |
| Core capital (leverage) ratio | 9.1227% | 4,552 |
| Tier 1 risk-based capital ratio | 10.6297% | 5,217 |
| Total risk-based capital ratio | 10.6691% | 5,489 |
| Memoranda: | ||
| Average total assets | $1,008,074,670 | 755 |
| Average earning assets | $889,763,670 | 787 |
| Average equity | $138,586,330 | 619 |
| Average total loans | $705,853,330 | 774 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 690 |
| Cost of funding earning assets | 0.6583% | 1,672 |
| Net interest margin | 4.3500% | 856 |
| Noninterest income to average assets | 2.3309% | 221 |
| Noninterest expense to average assets | 3.9018% | 586 |
| Loan and lease loss provision to assets | 0.1797% | 959 |
| Net operating income to assets | 2.2678% | 213 |
| Return on assets (ROA) | 1.6887% | 706 |
| Pretax return on assets | 1.6887% | 1,141 |
| Return on Equity (ROE) | 16.1072% | 602 |
| Retained earnings to average equity (ytd only) | -20.0167% | 5,504 |
| Net charge-offs to loans | 0.1008% | 1,182 |
| Credit loss provision to net charge-offs | 238.5475% | 939 |
| Earnings coverage of net charge-offs (x) | 32.4916% | 1,196 |
| Efficiency ratio | 61.4197% | 3,884 |
| Assets per employee ($millions) | 4.3564% | 3,388 |
| Cash dividends to net income (ytd only)* | 224.2711% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,084 |
| Loan loss allowance to noncurrent loans | 84.1457% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 1,214 |
| Noncurrent loans to loans | 1.5863% | 1,098 |
| Net loans and leases to total assets | 73.8178% | 1,891 |
| Net loans and leases to deposits | 82.4921% | 2,550 |
| Net loans and leases to core deposits | 92.0967% | 2,298 |
| Total domestic deposits to total assets | 89.4847% | 896 |
| Equity capital to assets | 9.9519% | 3,645 |
| Core capital (leverage) ratio | 10.1149% | 3,411 |
| Tier 1 risk-based capital ratio | 12.6853% | 4,123 |
| Total risk-based capital ratio | 13.9354% | 4,023 |
| Memoranda: | ||
| Average total assets | $950,531,000 | 808 |
| Average earning assets | $878,074,000 | 805 |
| Average equity | $99,657,000 | 853 |
| Average total loans | $710,022,500 | 770 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 882 |
| Cost of funding earning assets | 0.5211% | 2,169 |
| Net interest margin | 4.3337% | 900 |
| Noninterest income to average assets | 2.6091% | 209 |
| Noninterest expense to average assets | 4.0395% | 506 |
| Loan and lease loss provision to assets | 0.0715% | 2,776 |
| Net operating income to assets | 2.4857% | 120 |
| Return on assets (ROA) | 2.4232% | 138 |
| Pretax return on assets | 2.4232% | 209 |
| Return on Equity (ROE) | 23.7222% | 84 |
| Retained earnings to average equity (ytd only) | 17.6926% | 55 |
| Net charge-offs to loans | 0.1056% | 2,011 |
| Credit loss provision to net charge-offs | 93.1232% | 2,725 |
| Earnings coverage of net charge-offs (x) | 33.3095% | 1,438 |
| Efficiency ratio | 61.2051% | 4,076 |
| Assets per employee ($millions) | 4.0417% | 3,897 |
| Cash dividends to net income (ytd only)* | 25.4176% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,916 |
| Loan loss allowance to noncurrent loans | 126.8823% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,905 |
| Noncurrent loans to loans | 1.0748% | 1,656 |
| Net loans and leases to total assets | 73.5561% | 1,994 |
| Net loans and leases to deposits | 83.1958% | 2,581 |
| Net loans and leases to core deposits | 94.0048% | 2,194 |
| Total domestic deposits to total assets | 88.4132% | 1,292 |
| Equity capital to assets | 11.0408% | 2,594 |
| Core capital (leverage) ratio | 10.9606% | 2,378 |
| Tier 1 risk-based capital ratio | 13.8167% | 3,464 |
| Total risk-based capital ratio | 15.0670% | 3,374 |
| Memoranda: | ||
| Average total assets | $909,200,200 | 817 |
| Average earning assets | $836,575,800 | 823 |
| Average equity | $92,875,200 | 883 |
| Average total loans | $661,277,000 | 790 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,178 |
| Cost of funding earning assets | 0.4980% | 2,285 |
| Net interest margin | 4.1848% | 1,191 |
| Noninterest income to average assets | 2.7120% | 209 |
| Noninterest expense to average assets | 4.1125% | 453 |
| Loan and lease loss provision to assets | 0.0664% | 2,741 |
| Net operating income to assets | 2.3849% | 160 |
| Return on assets (ROA) | 2.3012% | 177 |
| Pretax return on assets | 2.3012% | 296 |
| Return on Equity (ROE) | 23.0051% | 108 |
| Retained earnings to average equity (ytd only) | 15.3387% | 107 |
| Net charge-offs to loans | 0.0720% | 2,099 |
| Credit loss provision to net charge-offs | 127.4788% | 1,917 |
| Earnings coverage of net charge-offs (x) | 47.0883% | 1,159 |
| Efficiency ratio | 62.6233% | 3,791 |
| Assets per employee ($millions) | 4.1296% | 3,772 |
| Cash dividends to net income (ytd only)* | 33.3248% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,839 |
| Loan loss allowance to noncurrent loans | 123.8740% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 2,000 |
| Noncurrent loans to loans | 1.1390% | 1,692 |
| Net loans and leases to total assets | 72.1887% | 2,228 |
| Net loans and leases to deposits | 81.3783% | 2,841 |
| Net loans and leases to core deposits | 93.1632% | 2,334 |
| Total domestic deposits to total assets | 88.7075% | 1,010 |
| Equity capital to assets | 10.5166% | 3,356 |
| Core capital (leverage) ratio | 10.6048% | 2,873 |
| Tier 1 risk-based capital ratio | 13.1350% | 3,918 |
| Total risk-based capital ratio | 14.3858% | 3,823 |
| Memoranda: | ||
| Average total assets | $904,104,750 | 830 |
| Average earning assets | $832,158,250 | 835 |
| Average equity | $90,435,750 | 906 |
| Average total loans | $653,291,750 | 803 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,234 |
| Cost of funding earning assets | 0.4764% | 2,364 |
| Net interest margin | 4.1346% | 1,238 |
| Noninterest income to average assets | 2.5989% | 216 |
| Noninterest expense to average assets | 4.1545% | 438 |
| Loan and lease loss provision to assets | 0.0670% | 2,630 |
| Net operating income to assets | 2.1794% | 220 |
| Return on assets (ROA) | 2.0512% | 285 |
| Pretax return on assets | 2.0512% | 490 |
| Return on Equity (ROE) | 20.8774% | 182 |
| Retained earnings to average equity (ytd only) | 9.0604% | 820 |
| Net charge-offs to loans | 0.0127% | 3,008 |
| Credit loss provision to net charge-offs | 731.7073% | 484 |
| Earnings coverage of net charge-offs (x) | 245.3902% | 345 |
| Efficiency ratio | 64.8737% | 3,518 |
| Assets per employee ($millions) | 4.1157% | 3,758 |
| Cash dividends to net income (ytd only)* | 56.6017% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,667 |
| Loan loss allowance to noncurrent loans | 157.5117% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 2,321 |
| Noncurrent loans to loans | 0.9358% | 2,098 |
| Net loans and leases to total assets | 70.1417% | 2,505 |
| Net loans and leases to deposits | 78.4284% | 3,074 |
| Net loans and leases to core deposits | 92.6524% | 2,286 |
| Total domestic deposits to total assets | 89.4341% | 748 |
| Equity capital to assets | 9.8476% | 4,092 |
| Core capital (leverage) ratio | 10.1987% | 3,276 |
| Tier 1 risk-based capital ratio | 12.6542% | 4,209 |
| Total risk-based capital ratio | 13.9058% | 4,124 |
| Memoranda: | ||
| Average total assets | $895,753,670 | 845 |
| Average earning assets | $823,681,670 | 848 |
| Average equity | $88,009,000 | 926 |
| Average total loans | $644,273,670 | 818 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,275 |
| Cost of funding earning assets | 0.4671% | 2,368 |
| Net interest margin | 4.0746% | 1,287 |
| Noninterest income to average assets | 2.3539% | 256 |
| Noninterest expense to average assets | 4.1869% | 432 |
| Loan and lease loss provision to assets | 0.0683% | 2,444 |
| Net operating income to assets | 1.8403% | 419 |
| Return on assets (ROA) | 1.5607% | 748 |
| Pretax return on assets | 1.5607% | 1,336 |
| Return on Equity (ROE) | 15.9045% | 537 |
| Retained earnings to average equity (ytd only) | 4.3055% | 3,272 |
| Net charge-offs to loans | 0.0057% | 2,776 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 465.7778% | 120 |
| Efficiency ratio | 68.6510% | 3,102 |
| Assets per employee ($millions) | 3.8986% | 4,186 |
| Cash dividends to net income (ytd only)* | 72.9288% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,657 |
| Loan loss allowance to noncurrent loans | 159.4411% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 2,436 |
| Noncurrent loans to loans | 0.9483% | 2,144 |
| Net loans and leases to total assets | 70.6651% | 2,269 |
| Net loans and leases to deposits | 79.1149% | 2,848 |
| Net loans and leases to core deposits | 89.6112% | 2,386 |
| Total domestic deposits to total assets | 89.3196% | 993 |
| Equity capital to assets | 9.7822% | 3,993 |
| Core capital (leverage) ratio | 10.1186% | 3,353 |
| Tier 1 risk-based capital ratio | 12.7376% | 4,234 |
| Total risk-based capital ratio | 13.9897% | 4,137 |
| Memoranda: | ||
| Average total assets | $878,553,500 | 867 |
| Average earning assets | $806,761,000 | 867 |
| Average equity | $86,214,500 | 944 |
| Average total loans | $635,317,000 | 830 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,562 |
| Cost of funding earning assets | 0.4764% | 2,293 |
| Net interest margin | 4.0142% | 1,592 |
| Noninterest income to average assets | 3.0361% | 199 |
| Noninterest expense to average assets | 4.4945% | 380 |
| Loan and lease loss provision to assets | 0.2459% | 859 |
| Net operating income to assets | 1.9566% | 352 |
| Return on assets (ROA) | 1.9758% | 356 |
| Pretax return on assets | 1.9758% | 528 |
| Return on Equity (ROE) | 20.1327% | 203 |
| Retained earnings to average equity (ytd only) | 9.2682% | 530 |
| Net charge-offs to loans | 0.1090% | 2,178 |
| Credit loss provision to net charge-offs | 314.3505% | 947 |
| Earnings coverage of net charge-offs (x) | 28.1616% | 1,482 |
| Efficiency ratio | 67.0806% | 3,423 |
| Assets per employee ($millions) | 3.7263% | 4,435 |
| Cash dividends to net income (ytd only)* | 53.9644% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,659 |
| Loan loss allowance to noncurrent loans | 142.9087% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 2,186 |
| Noncurrent loans to loans | 1.0506% | 1,977 |
| Net loans and leases to total assets | 71.7970% | 2,195 |
| Net loans and leases to deposits | 80.5353% | 2,834 |
| Net loans and leases to core deposits | 90.7558% | 2,434 |
| Total domestic deposits to total assets | 89.1497% | 1,039 |
| Equity capital to assets | 9.8450% | 3,888 |
| Core capital (leverage) ratio | 10.0894% | 3,379 |
| Tier 1 risk-based capital ratio | 12.8834% | 4,144 |
| Total risk-based capital ratio | 14.1356% | 4,037 |
| Memoranda: | ||
| Average total assets | $846,448,600 | 856 |
| Average earning assets | $771,967,200 | 874 |
| Average equity | $83,069,000 | 961 |
| Average total loans | $607,270,000 | 819 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,625 |
| Cost of funding earning assets | 0.4769% | 2,303 |
| Net interest margin | 3.9977% | 1,659 |
| Noninterest income to average assets | 3.0637% | 202 |
| Noninterest expense to average assets | 4.5549% | 366 |
| Loan and lease loss provision to assets | 0.3299% | 497 |
| Net operating income to assets | 1.8227% | 466 |
| Return on assets (ROA) | 1.8336% | 478 |
| Pretax return on assets | 1.8336% | 832 |
| Return on Equity (ROE) | 18.6995% | 318 |
| Retained earnings to average equity (ytd only) | 9.7669% | 626 |
| Net charge-offs to loans | 0.0588% | 2,511 |
| Credit loss provision to net charge-offs | 785.2830% | 516 |
| Earnings coverage of net charge-offs (x) | 51.2384% | 1,055 |
| Efficiency ratio | 67.8744% | 3,244 |
| Assets per employee ($millions) | 3.7363% | 4,407 |
| Cash dividends to net income (ytd only)* | 47.7693% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 1,450 |
| Loan loss allowance to noncurrent loans | 141.9008% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 2,205 |
| Noncurrent loans to loans | 1.1313% | 1,991 |
| Net loans and leases to total assets | 70.2990% | 2,451 |
| Net loans and leases to deposits | 80.1876% | 2,939 |
| Net loans and leases to core deposits | 91.8256% | 2,401 |
| Total domestic deposits to total assets | 87.6682% | 1,578 |
| Equity capital to assets | 10.1288% | 4,000 |
| Core capital (leverage) ratio | 10.0998% | 3,444 |
| Tier 1 risk-based capital ratio | 13.3506% | 3,952 |
| Total risk-based capital ratio | 14.6045% | 3,862 |
| Memoranda: | ||
| Average total assets | $841,004,000 | 860 |
| Average earning assets | $766,558,000 | 874 |
| Average equity | $82,467,000 | 971 |
| Average total loans | $600,871,750 | 824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 1,589 |
| Cost of funding earning assets | 0.4743% | 2,322 |
| Net interest margin | 4.0015% | 1,641 |
| Noninterest income to average assets | 2.9679% | 206 |
| Noninterest expense to average assets | 4.5860% | 358 |
| Loan and lease loss provision to assets | 0.3898% | 397 |
| Net operating income to assets | 1.6246% | 681 |
| Return on assets (ROA) | 1.6321% | 715 |
| Pretax return on assets | 1.6321% | 1,276 |
| Return on Equity (ROE) | 16.8066% | 456 |
| Retained earnings to average equity (ytd only) | 3.1593% | 3,892 |
| Net charge-offs to loans | 0.0453% | 2,564 |
| Credit loss provision to net charge-offs | 1,203.7037% | 320 |
| Earnings coverage of net charge-offs (x) | 62.2074% | 853 |
| Efficiency ratio | 69.4480% | 3,066 |
| Assets per employee ($millions) | 3.8630% | 4,147 |
| Cash dividends to net income (ytd only)* | 81.2022% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,752 |
| Loan loss allowance to noncurrent loans | 142.9446% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 2,280 |
| Noncurrent loans to loans | 1.0710% | 2,149 |
| Net loans and leases to total assets | 71.4779% | 2,251 |
| Net loans and leases to deposits | 80.8220% | 2,839 |
| Net loans and leases to core deposits | 100.9408% | 1,566 |
| Total domestic deposits to total assets | 88.4386% | 1,205 |
| Equity capital to assets | 9.6221% | 4,646 |
| Core capital (leverage) ratio | 9.9416% | 3,629 |
| Tier 1 risk-based capital ratio | 12.3976% | 4,596 |
| Total risk-based capital ratio | 13.6506% | 4,508 |
| Memoranda: | ||
| Average total assets | $833,797,330 | 867 |
| Average earning assets | $756,907,670 | 886 |
| Average equity | $80,968,000 | 985 |
| Average total loans | $595,617,000 | 829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 1,463 |
| Cost of funding earning assets | 0.4872% | 2,203 |
| Net interest margin | 4.0299% | 1,530 |
| Noninterest income to average assets | 3.1513% | 190 |
| Noninterest expense to average assets | 4.8362% | 301 |
| Loan and lease loss provision to assets | 0.2561% | 676 |
| Net operating income to assets | 1.7064% | 571 |
| Return on assets (ROA) | 1.7215% | 582 |
| Pretax return on assets | 1.7215% | 1,016 |
| Return on Equity (ROE) | 17.6433% | 388 |
| Retained earnings to average equity (ytd only) | -5.8545% | 5,646 |
| Net charge-offs to loans | 0.0716% | 1,762 |
| Credit loss provision to net charge-offs | 504.8077% | 595 |
| Earnings coverage of net charge-offs (x) | 38.6827% | 1,024 |
| Efficiency ratio | 71.0985% | 2,938 |
| Assets per employee ($millions) | 3.6568% | 4,547 |
| Cash dividends to net income (ytd only)* | 133.1822% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 2,272 |
| Loan loss allowance to noncurrent loans | 485.9429% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,783 |
| Noncurrent loans to loans | 0.2952% | 4,374 |
| Net loans and leases to total assets | 71.3385% | 2,139 |
| Net loans and leases to deposits | 81.7388% | 2,578 |
| Net loans and leases to core deposits | 97.7231% | 1,659 |
| Total domestic deposits to total assets | 87.2762% | 2,062 |
| Equity capital to assets | 9.7064% | 4,442 |
| Core capital (leverage) ratio | 9.9691% | 3,574 |
| Tier 1 risk-based capital ratio | 12.6061% | 4,515 |
| Total risk-based capital ratio | 13.8578% | 4,426 |
| Memoranda: | ||
| Average total assets | $819,974,500 | 889 |
| Average earning assets | $742,156,500 | 900 |
| Average equity | $80,007,500 | 994 |
| Average total loans | $580,768,500 | 847 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,275 |
| Cost of funding earning assets | 0.6346% | 1,156 |
| Net interest margin | 3.9897% | 1,748 |
| Noninterest income to average assets | 3.0474% | 202 |
| Noninterest expense to average assets | 4.7505% | 345 |
| Loan and lease loss provision to assets | 0.3219% | 507 |
| Net operating income to assets | 1.5824% | 737 |
| Return on assets (ROA) | 1.5819% | 759 |
| Pretax return on assets | 1.5819% | 1,304 |
| Return on Equity (ROE) | 16.7456% | 481 |
| Retained earnings to average equity (ytd only) | 14.3747% | 151 |
| Net charge-offs to loans | 0.2623% | 1,146 |
| Credit loss provision to net charge-offs | 168.9053% | 1,598 |
| Earnings coverage of net charge-offs (x) | 9.9926% | 2,747 |
| Efficiency ratio | 71.3637% | 3,007 |
| Assets per employee ($millions) | 3.6001% | 4,642 |
| Cash dividends to net income (ytd only)* | 14.1586% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 2,323 |
| Loan loss allowance to noncurrent loans | 399.3577% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,444 |
| Noncurrent loans to loans | 0.3559% | 4,184 |
| Net loans and leases to total assets | 68.2970% | 2,655 |
| Net loans and leases to deposits | 80.5199% | 2,763 |
| Net loans and leases to core deposits | 94.2781% | 2,028 |
| Total domestic deposits to total assets | 84.8201% | 3,163 |
| Equity capital to assets | 9.8081% | 4,182 |
| Core capital (leverage) ratio | 10.0181% | 3,483 |
| Tier 1 risk-based capital ratio | 13.1716% | 4,186 |
| Total risk-based capital ratio | 14.4231% | 4,114 |
| Memoranda: | ||
| Average total assets | $781,349,200 | 886 |
| Average earning assets | $706,466,800 | 904 |
| Average equity | $73,810,400 | 1,035 |
| Average total loans | $567,641,600 | 827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,238 |
| Cost of funding earning assets | 0.6427% | 1,136 |
| Net interest margin | 3.9946% | 1,719 |
| Noninterest income to average assets | 2.7935% | 231 |
| Noninterest expense to average assets | 4.7908% | 338 |
| Loan and lease loss provision to assets | 0.2532% | 673 |
| Net operating income to assets | 1.3674% | 1,189 |
| Return on assets (ROA) | 1.3560% | 1,261 |
| Pretax return on assets | 1.3560% | 2,193 |
| Return on Equity (ROE) | 14.5019% | 806 |
| Retained earnings to average equity (ytd only) | 11.2673% | 441 |
| Net charge-offs to loans | 0.2568% | 1,023 |
| Credit loss provision to net charge-offs | 134.0348% | 1,832 |
| Earnings coverage of net charge-offs (x) | 8.5791% | 2,797 |
| Efficiency ratio | 74.7075% | 2,442 |
| Assets per employee ($millions) | 3.4889% | 4,808 |
| Cash dividends to net income (ytd only)* | 22.3044% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 3,104 |
| Loan loss allowance to noncurrent loans | 248.8777% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,089 |
| Noncurrent loans to loans | 0.5219% | 3,785 |
| Net loans and leases to total assets | 71.5992% | 2,122 |
| Net loans and leases to deposits | 85.9410% | 2,143 |
| Net loans and leases to core deposits | 98.8578% | 1,623 |
| Total domestic deposits to total assets | 83.3120% | 3,694 |
| Equity capital to assets | 9.5967% | 4,641 |
| Core capital (leverage) ratio | 9.5017% | 4,300 |
| Tier 1 risk-based capital ratio | 12.5781% | 4,698 |
| Total risk-based capital ratio | 13.8283% | 4,600 |
| Memoranda: | ||
| Average total assets | $771,479,500 | 900 |
| Average earning assets | $698,728,250 | 921 |
| Average equity | $72,136,000 | 1,061 |
| Average total loans | $567,381,000 | 836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,290 |
| Cost of funding earning assets | 0.6533% | 1,079 |
| Net interest margin | 3.9440% | 1,838 |
| Noninterest income to average assets | 2.5210% | 270 |
| Noninterest expense to average assets | 4.7991% | 334 |
| Loan and lease loss provision to assets | 0.2285% | 824 |
| Net operating income to assets | 1.0616% | 2,093 |
| Return on assets (ROA) | 1.0590% | 2,210 |
| Pretax return on assets | 1.0590% | 3,344 |
| Return on Equity (ROE) | 11.4293% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.9061% | 1,306 |
| Net charge-offs to loans | 0.0438% | 2,824 |
| Credit loss provision to net charge-offs | 705.6452% | 480 |
| Earnings coverage of net charge-offs (x) | 39.8387% | 1,135 |
| Efficiency ratio | 78.8128% | 1,945 |
| Assets per employee ($millions) | 3.5942% | 4,634 |
| Cash dividends to net income (ytd only)* | 30.8261% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,194 |
| Loan loss allowance to noncurrent loans | 166.0217% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 2,222 |
| Noncurrent loans to loans | 0.7889% | 3,134 |
| Net loans and leases to total assets | 73.7372% | 1,705 |
| Net loans and leases to deposits | 85.2779% | 2,139 |
| Net loans and leases to core deposits | 101.0850% | 1,398 |
| Total domestic deposits to total assets | 86.4670% | 2,452 |
| Equity capital to assets | 9.0425% | 5,195 |
| Core capital (leverage) ratio | 8.9412% | 5,039 |
| Tier 1 risk-based capital ratio | 11.4760% | 5,480 |
| Total risk-based capital ratio | 12.7263% | 5,398 |
| Memoranda: | ||
| Average total assets | $765,805,330 | 911 |
| Average earning assets | $692,843,330 | 925 |
| Average equity | $70,958,000 | 1,085 |
| Average total loans | $565,844,670 | 833 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 1,371 |
| Cost of funding earning assets | 0.6669% | 1,013 |
| Net interest margin | 3.8659% | 2,011 |
| Noninterest income to average assets | 2.5449% | 266 |
| Noninterest expense to average assets | 4.8635% | 329 |
| Loan and lease loss provision to assets | 0.2801% | 540 |
| Net operating income to assets | 0.8899% | 2,788 |
| Return on assets (ROA) | 0.8899% | 2,914 |
| Pretax return on assets | 0.8899% | 3,926 |
| Return on Equity (ROE) | 9.4825% | 2,226 |
| Retained earnings to average equity (ytd only) | 2.3763% | 4,503 |
| Net charge-offs to loans | 0.0763% | 1,941 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 20.8857% | 1,396 |
| Efficiency ratio | 80.6084% | 1,811 |
| Assets per employee ($millions) | 3.3170% | 5,210 |
| Cash dividends to net income (ytd only)* | 74.9400% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 3,231 |
| Loan loss allowance to noncurrent loans | 89.1286% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 1,333 |
| Noncurrent loans to loans | 1.4956% | 1,888 |
| Net loans and leases to total assets | 72.8581% | 1,680 |
| Net loans and leases to deposits | 84.6449% | 1,992 |
| Net loans and leases to core deposits | 100.6855% | 1,275 |
| Total domestic deposits to total assets | 86.0750% | 2,901 |
| Equity capital to assets | 9.3040% | 4,957 |
| Core capital (leverage) ratio | 9.4544% | 4,345 |
| Tier 1 risk-based capital ratio | 11.4144% | 5,596 |
| Total risk-based capital ratio | 12.6625% | 5,508 |
| Memoranda: | ||
| Average total assets | $749,746,500 | 929 |
| Average earning assets | $676,589,500 | 951 |
| Average equity | $70,361,000 | 1,095 |
| Average total loans | $550,680,000 | 852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 999 |
| Cost of funding earning assets | 0.8366% | 549 |
| Net interest margin | 4.0218% | 1,835 |
| Noninterest income to average assets | 3.4064% | 168 |
| Noninterest expense to average assets | 4.8370% | 352 |
| Loan and lease loss provision to assets | 0.4308% | 395 |
| Net operating income to assets | 1.7484% | 523 |
| Return on assets (ROA) | 1.8477% | 447 |
| Pretax return on assets | 1.8477% | 717 |
| Return on Equity (ROE) | 19.9383% | 256 |
| Retained earnings to average equity (ytd only) | 4.6619% | 2,847 |
| Net charge-offs to loans | 0.3826% | 1,119 |
| Credit loss provision to net charge-offs | 149.5034% | 1,613 |
| Earnings coverage of net charge-offs (x) | 7.5625% | 3,016 |
| Efficiency ratio | 68.9403% | 3,722 |
| Assets per employee ($millions) | 3.4255% | 5,009 |
| Cash dividends to net income (ytd only)* | 76.6183% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,390 |
| Loan loss allowance to noncurrent loans | 83.6038% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7664% | 1,490 |
| Noncurrent loans to loans | 1.5618% | 1,873 |
| Net loans and leases to total assets | 72.0910% | 1,896 |
| Net loans and leases to deposits | 83.9975% | 2,219 |
| Net loans and leases to core deposits | 99.7472% | 1,408 |
| Total domestic deposits to total assets | 85.8251% | 2,931 |
| Equity capital to assets | 9.4674% | 4,757 |
| Core capital (leverage) ratio | 9.3099% | 4,525 |
| Tier 1 risk-based capital ratio | 12.5602% | 5,000 |
| Total risk-based capital ratio | 13.8110% | 4,914 |
| Memoranda: | ||
| Average total assets | $663,867,000 | 1,006 |
| Average earning assets | $595,856,400 | 1,030 |
| Average equity | $61,519,800 | 1,186 |
| Average total loans | $500,025,600 | 894 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 909 |
| Cost of funding earning assets | 0.8776% | 474 |
| Net interest margin | 4.0331% | 1,780 |
| Noninterest income to average assets | 2.8146% | 207 |
| Noninterest expense to average assets | 4.7352% | 373 |
| Loan and lease loss provision to assets | 0.1985% | 1,205 |
| Net operating income to assets | 1.5002% | 946 |
| Return on assets (ROA) | 1.6150% | 753 |
| Pretax return on assets | 1.6150% | 1,279 |
| Return on Equity (ROE) | 17.5364% | 488 |
| Retained earnings to average equity (ytd only) | 6.3110% | 2,209 |
| Net charge-offs to loans | 0.0669% | 3,247 |
| Credit loss provision to net charge-offs | 390.2439% | 722 |
| Earnings coverage of net charge-offs (x) | 33.3985% | 1,278 |
| Efficiency ratio | 73.5973% | 2,884 |
| Assets per employee ($millions) | 3.3589% | 5,122 |
| Cash dividends to net income (ytd only)* | 64.0123% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 3,392 |
| Loan loss allowance to noncurrent loans | 101.6533% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 1,741 |
| Noncurrent loans to loans | 1.3293% | 2,423 |
| Net loans and leases to total assets | 74.5406% | 1,434 |
| Net loans and leases to deposits | 89.8004% | 1,446 |
| Net loans and leases to core deposits | 109.3743% | 773 |
| Total domestic deposits to total assets | 83.0069% | 4,150 |
| Equity capital to assets | 9.3794% | 4,945 |
| Core capital (leverage) ratio | 9.3662% | 4,552 |
| Tier 1 risk-based capital ratio | 12.0468% | 5,456 |
| Total risk-based capital ratio | 13.2980% | 5,371 |
| Memoranda: | ||
| Average total assets | $644,857,000 | 1,051 |
| Average earning assets | $578,690,000 | 1,061 |
| Average equity | $59,387,250 | 1,243 |
| Average total loans | $489,916,250 | 915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 962 |
| Cost of funding earning assets | 0.9039% | 421 |
| Net interest margin | 3.9650% | 1,916 |
| Noninterest income to average assets | 2.7140% | 217 |
| Noninterest expense to average assets | 4.5736% | 417 |
| Loan and lease loss provision to assets | 0.2072% | 1,147 |
| Net operating income to assets | 1.4876% | 893 |
| Return on assets (ROA) | 1.4788% | 944 |
| Pretax return on assets | 1.4788% | 1,603 |
| Return on Equity (ROE) | 16.1620% | 642 |
| Retained earnings to average equity (ytd only) | -0.9951% | 5,852 |
| Net charge-offs to loans | 0.0231% | 3,744 |
| Credit loss provision to net charge-offs | 1,178.5714% | 296 |
| Earnings coverage of net charge-offs (x) | 96.3929% | 567 |
| Efficiency ratio | 72.9627% | 3,167 |
| Assets per employee ($millions) | 3.1229% | 5,561 |
| Cash dividends to net income (ytd only)* | 106.1571% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 3,722 |
| Loan loss allowance to noncurrent loans | 67.0930% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 1,479 |
| Noncurrent loans to loans | 1.9761% | 1,711 |
| Net loans and leases to total assets | 75.8319% | 1,193 |
| Net loans and leases to deposits | 91.7220% | 1,186 |
| Net loans and leases to core deposits | 111.9582% | 601 |
| Total domestic deposits to total assets | 82.6758% | 4,423 |
| Equity capital to assets | 9.0653% | 5,232 |
| Core capital (leverage) ratio | 9.2870% | 4,607 |
| Tier 1 risk-based capital ratio | 11.7026% | 5,692 |
| Total risk-based capital ratio | 12.9538% | 5,639 |
| Memoranda: | ||
| Average total assets | $637,001,330 | 1,060 |
| Average earning assets | $571,050,670 | 1,074 |
| Average equity | $58,285,000 | 1,253 |
| Average total loans | $484,864,330 | 920 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 962 |
| Cost of funding earning assets | 0.9242% | 400 |
| Net interest margin | 3.9193% | 2,018 |
| Noninterest income to average assets | 2.0095% | 337 |
| Noninterest expense to average assets | 4.4240% | 490 |
| Loan and lease loss provision to assets | 0.2684% | 777 |
| Net operating income to assets | 0.8204% | 3,051 |
| Return on assets (ROA) | 0.8204% | 3,121 |
| Pretax return on assets | 0.8204% | 4,025 |
| Return on Equity (ROE) | 8.9229% | 2,499 |
| Retained earnings to average equity (ytd only) | -22.3489% | 6,555 |
| Net charge-offs to loans | 0.0380% | 2,855 |
| Credit loss provision to net charge-offs | 933.3333% | 333 |
| Earnings coverage of net charge-offs (x) | 37.8667% | 911 |
| Efficiency ratio | 80.2503% | 2,173 |
| Assets per employee ($millions) | 3.1507% | 5,597 |
| Cash dividends to net income (ytd only)* | 350.4673% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,890 |
| Loan loss allowance to noncurrent loans | 94.8793% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8009% | 1,945 |
| Noncurrent loans to loans | 1.4149% | 2,660 |
| Net loans and leases to total assets | 76.3951% | 953 |
| Net loans and leases to deposits | 92.6990% | 902 |
| Net loans and leases to core deposits | 107.5553% | 691 |
| Total domestic deposits to total assets | 82.4120% | 4,810 |
| Equity capital to assets | 8.9957% | 5,119 |
| Core capital (leverage) ratio | 9.0418% | 4,947 |
| Tier 1 risk-based capital ratio | 11.6220% | 5,846 |
| Total risk-based capital ratio | 12.8734% | 5,795 |
| Memoranda: | ||
| Average total assets | $626,033,000 | 1,087 |
| Average earning assets | $559,594,000 | 1,100 |
| Average equity | $57,560,000 | 1,264 |
| Average total loans | $474,097,000 | 938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 689 |
| Cost of funding earning assets | 0.9638% | 543 |
| Net interest margin | 4.2035% | 1,342 |
| Noninterest income to average assets | 2.8891% | 236 |
| Noninterest expense to average assets | 4.7080% | 442 |
| Loan and lease loss provision to assets | 0.3244% | 1,009 |
| Net operating income to assets | 1.5922% | 703 |
| Return on assets (ROA) | 1.7344% | 564 |
| Pretax return on assets | 1.7344% | 886 |
| Return on Equity (ROE) | 18.6257% | 366 |
| Retained earnings to average equity (ytd only) | 11.6364% | 354 |
| Net charge-offs to loans | 0.2627% | 2,391 |
| Credit loss provision to net charge-offs | 162.9073% | 1,398 |
| Earnings coverage of net charge-offs (x) | 9.6241% | 2,479 |
| Efficiency ratio | 71.0684% | 3,656 |
| Assets per employee ($millions) | 3.1728% | 5,548 |
| Cash dividends to net income (ytd only)* | 37.5252% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,075 |
| Loan loss allowance to noncurrent loans | 109.1266% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 2,239 |
| Noncurrent loans to loans | 1.2038% | 3,138 |
| Net loans and leases to total assets | 73.0654% | 1,512 |
| Net loans and leases to deposits | 89.0252% | 1,342 |
| Net loans and leases to core deposits | 102.9965% | 973 |
| Total domestic deposits to total assets | 82.0727% | 4,849 |
| Equity capital to assets | 9.3918% | 4,558 |
| Core capital (leverage) ratio | 9.5945% | 4,121 |
| Tier 1 risk-based capital ratio | 12.9645% | 4,994 |
| Total risk-based capital ratio | 14.2160% | 4,952 |
| Memoranda: | ||
| Average total assets | $601,059,000 | 1,108 |
| Average earning assets | $534,145,400 | 1,133 |
| Average equity | $55,971,000 | 1,274 |
| Average total loans | $455,673,000 | 933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 728 |
| Cost of funding earning assets | 0.9694% | 574 |
| Net interest margin | 4.1672% | 1,431 |
| Noninterest income to average assets | 3.0753% | 229 |
| Noninterest expense to average assets | 4.8087% | 392 |
| Loan and lease loss provision to assets | 0.3253% | 1,021 |
| Net operating income to assets | 1.6410% | 696 |
| Return on assets (ROA) | 1.8281% | 513 |
| Pretax return on assets | 1.8281% | 843 |
| Return on Equity (ROE) | 19.6759% | 323 |
| Retained earnings to average equity (ytd only) | 10.2291% | 742 |
| Net charge-offs to loans | 0.1118% | 3,424 |
| Credit loss provision to net charge-offs | 381.5789% | 696 |
| Earnings coverage of net charge-offs (x) | 23.0633% | 1,474 |
| Efficiency ratio | 70.9772% | 3,609 |
| Assets per employee ($millions) | 3.1363% | 5,611 |
| Cash dividends to net income (ytd only)* | 48.0118% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 4,042 |
| Loan loss allowance to noncurrent loans | 102.1947% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 2,177 |
| Noncurrent loans to loans | 1.3379% | 3,185 |
| Net loans and leases to total assets | 76.1902% | 979 |
| Net loans and leases to deposits | 93.1860% | 889 |
| Net loans and leases to core deposits | 108.6630% | 640 |
| Total domestic deposits to total assets | 81.7615% | 5,007 |
| Equity capital to assets | 9.3144% | 4,786 |
| Core capital (leverage) ratio | 9.1892% | 4,850 |
| Tier 1 risk-based capital ratio | 12.3950% | 5,520 |
| Total risk-based capital ratio | 13.6464% | 5,456 |
| Memoranda: | ||
| Average total assets | $594,268,500 | 1,131 |
| Average earning assets | $527,594,000 | 1,161 |
| Average equity | $55,213,500 | 1,300 |
| Average total loans | $453,310,750 | 946 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 847 |
| Cost of funding earning assets | 0.9734% | 627 |
| Net interest margin | 4.0748% | 1,616 |
| Noninterest income to average assets | 3.1584% | 235 |
| Noninterest expense to average assets | 4.8946% | 388 |
| Loan and lease loss provision to assets | 0.3223% | 1,083 |
| Net operating income to assets | 1.5500% | 818 |
| Return on assets (ROA) | 1.8329% | 514 |
| Pretax return on assets | 1.8329% | 859 |
| Return on Equity (ROE) | 19.7453% | 324 |
| Retained earnings to average equity (ytd only) | 9.4688% | 973 |
| Net charge-offs to loans | 0.0875% | 3,490 |
| Credit loss provision to net charge-offs | 484.6939% | 568 |
| Earnings coverage of net charge-offs (x) | 28.1582% | 1,194 |
| Efficiency ratio | 72.3317% | 3,413 |
| Assets per employee ($millions) | 3.1076% | 5,662 |
| Cash dividends to net income (ytd only)* | 52.0452% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,626 |
| Loan loss allowance to noncurrent loans | 71.7254% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.2978% | 1,881 |
| Noncurrent loans to loans | 1.7765% | 2,665 |
| Net loans and leases to total assets | 78.5391% | 691 |
| Net loans and leases to deposits | 96.1919% | 655 |
| Net loans and leases to core deposits | 115.8222% | 394 |
| Total domestic deposits to total assets | 81.6484% | 5,158 |
| Equity capital to assets | 9.1705% | 5,029 |
| Core capital (leverage) ratio | 9.3716% | 4,429 |
| Tier 1 risk-based capital ratio | 11.8295% | 5,900 |
| Total risk-based capital ratio | 13.0807% | 5,847 |
| Memoranda: | ||
| Average total assets | $589,542,000 | 1,140 |
| Average earning assets | $522,081,000 | 1,175 |
| Average equity | $54,727,000 | 1,314 |
| Average total loans | $447,746,330 | 957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 877 |
| Cost of funding earning assets | 1.0122% | 581 |
| Net interest margin | 3.9949% | 1,812 |
| Noninterest income to average assets | 2.8136% | 274 |
| Noninterest expense to average assets | 4.7990% | 425 |
| Loan and lease loss provision to assets | 0.3431% | 966 |
| Net operating income to assets | 1.1955% | 1,534 |
| Return on assets (ROA) | 1.7678% | 551 |
| Pretax return on assets | 1.7678% | 942 |
| Return on Equity (ROE) | 18.9248% | 361 |
| Retained earnings to average equity (ytd only) | 3.4088% | 4,211 |
| Net charge-offs to loans | -0.0797% | 6,349 |
| Credit loss provision to net charge-offs | -581.3953% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7228% | 2,972 |
| Assets per employee ($millions) | 3.2322% | 5,564 |
| Cash dividends to net income (ytd only)* | 81.9876% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,389 |
| Loan loss allowance to noncurrent loans | 63.8886% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6640% | 1,705 |
| Noncurrent loans to loans | 2.1405% | 2,448 |
| Net loans and leases to total assets | 73.6484% | 1,129 |
| Net loans and leases to deposits | 90.4307% | 927 |
| Net loans and leases to core deposits | 107.4019% | 585 |
| Total domestic deposits to total assets | 81.4418% | 5,383 |
| Equity capital to assets | 9.3058% | 5,120 |
| Core capital (leverage) ratio | 9.0594% | 4,788 |
| Tier 1 risk-based capital ratio | 12.3398% | 5,687 |
| Total risk-based capital ratio | 13.5918% | 5,641 |
| Memoranda: | ||
| Average total assets | $582,874,000 | 1,161 |
| Average earning assets | $514,153,000 | 1,211 |
| Average equity | $54,447,000 | 1,339 |
| Average total loans | $431,816,500 | 992 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 1,026 |
| Cost of funding earning assets | 1.1139% | 860 |
| Net interest margin | 4.1307% | 1,885 |
| Noninterest income to average assets | 2.9179% | 267 |
| Noninterest expense to average assets | 4.8924% | 413 |
| Loan and lease loss provision to assets | 0.5573% | 1,021 |
| Net operating income to assets | 1.0325% | 2,200 |
| Return on assets (ROA) | 1.1987% | 1,774 |
| Pretax return on assets | 1.1987% | 2,812 |
| Return on Equity (ROE) | 12.6679% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.9229% | 1,607 |
| Net charge-offs to loans | 0.5039% | 2,228 |
| Credit loss provision to net charge-offs | 154.4304% | 1,752 |
| Earnings coverage of net charge-offs (x) | 4.4051% | 3,376 |
| Efficiency ratio | 75.0007% | 2,907 |
| Assets per employee ($millions) | 3.4759% | 5,059 |
| Cash dividends to net income (ytd only)* | 45.3506% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,888 |
| Loan loss allowance to noncurrent loans | 63.3247% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.6983% | 1,785 |
| Noncurrent loans to loans | 1.9706% | 2,724 |
| Net loans and leases to total assets | 72.5835% | 1,407 |
| Net loans and leases to deposits | 90.7783% | 998 |
| Net loans and leases to core deposits | 107.2834% | 640 |
| Total domestic deposits to total assets | 79.9569% | 5,678 |
| Equity capital to assets | 9.3763% | 5,029 |
| Core capital (leverage) ratio | 9.3463% | 4,339 |
| Tier 1 risk-based capital ratio | 12.2950% | 5,603 |
| Total risk-based capital ratio | 13.5455% | 5,558 |
| Memoranda: | ||
| Average total assets | $547,240,200 | 1,226 |
| Average earning assets | $472,198,200 | 1,293 |
| Average equity | $51,784,600 | 1,373 |
| Average total loans | $391,958,000 | 1,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 992 |
| Cost of funding earning assets | 1.1559% | 843 |
| Net interest margin | 4.1551% | 1,883 |
| Noninterest income to average assets | 2.6683% | 290 |
| Noninterest expense to average assets | 4.8563% | 403 |
| Loan and lease loss provision to assets | 0.5823% | 975 |
| Net operating income to assets | 0.7999% | 3,455 |
| Return on assets (ROA) | 0.9463% | 2,989 |
| Pretax return on assets | 0.9463% | 3,931 |
| Return on Equity (ROE) | 9.9757% | 2,359 |
| Retained earnings to average equity (ytd only) | 4.0984% | 4,016 |
| Net charge-offs to loans | 0.3983% | 2,502 |
| Credit loss provision to net charge-offs | 205.5993% | 1,347 |
| Earnings coverage of net charge-offs (x) | 4.8801% | 3,170 |
| Efficiency ratio | 77.1767% | 2,499 |
| Assets per employee ($millions) | 3.4148% | 5,176 |
| Cash dividends to net income (ytd only)* | 58.9161% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 4,496 |
| Loan loss allowance to noncurrent loans | 62.7888% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.0788% | 1,690 |
| Noncurrent loans to loans | 2.1836% | 2,639 |
| Net loans and leases to total assets | 71.3791% | 1,665 |
| Net loans and leases to deposits | 90.3683% | 1,107 |
| Net loans and leases to core deposits | 106.6963% | 707 |
| Total domestic deposits to total assets | 78.9869% | 5,870 |
| Equity capital to assets | 9.5919% | 5,080 |
| Core capital (leverage) ratio | 9.2154% | 4,733 |
| Tier 1 risk-based capital ratio | 12.4591% | 5,673 |
| Total risk-based capital ratio | 13.7109% | 5,638 |
| Memoranda: | ||
| Average total assets | $538,062,500 | 1,252 |
| Average earning assets | $462,331,000 | 1,339 |
| Average equity | $51,042,500 | 1,398 |
| Average total loans | $382,645,500 | 1,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3531% | 952 |
| Cost of funding earning assets | 1.1880% | 864 |
| Net interest margin | 4.1652% | 1,851 |
| Noninterest income to average assets | 2.7084% | 272 |
| Noninterest expense to average assets | 4.7893% | 434 |
| Loan and lease loss provision to assets | 0.7692% | 670 |
| Net operating income to assets | 0.7005% | 3,868 |
| Return on assets (ROA) | 0.9223% | 3,061 |
| Pretax return on assets | 0.9223% | 3,995 |
| Return on Equity (ROE) | 9.7599% | 2,460 |
| Retained earnings to average equity (ytd only) | 0.8259% | 5,736 |
| Net charge-offs to loans | 0.4130% | 2,383 |
| Credit loss provision to net charge-offs | 263.4961% | 1,091 |
| Earnings coverage of net charge-offs (x) | 5.0347% | 2,924 |
| Efficiency ratio | 75.5111% | 2,824 |
| Assets per employee ($millions) | 3.4240% | 5,155 |
| Cash dividends to net income (ytd only)* | 91.5378% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 4,329 |
| Loan loss allowance to noncurrent loans | 63.2574% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 3.9821% | 1,286 |
| Noncurrent loans to loans | 2.2651% | 2,659 |
| Net loans and leases to total assets | 70.6226% | 1,800 |
| Net loans and leases to deposits | 89.3636% | 1,212 |
| Net loans and leases to core deposits | 102.8417% | 931 |
| Total domestic deposits to total assets | 79.0283% | 5,956 |
| Equity capital to assets | 9.4143% | 5,174 |
| Core capital (leverage) ratio | 9.2248% | 4,566 |
| Tier 1 risk-based capital ratio | 11.9644% | 5,959 |
| Total risk-based capital ratio | 13.2161% | 5,928 |
| Memoranda: | ||
| Average total assets | $533,017,330 | 1,268 |
| Average earning assets | $454,386,670 | 1,357 |
| Average equity | $50,369,330 | 1,407 |
| Average total loans | $376,741,670 | 1,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 980 |
| Cost of funding earning assets | 1.2115% | 937 |
| Net interest margin | 4.1512% | 1,933 |
| Noninterest income to average assets | 2.6509% | 279 |
| Noninterest expense to average assets | 4.7173% | 447 |
| Loan and lease loss provision to assets | 0.9829% | 429 |
| Net operating income to assets | 0.5104% | 4,784 |
| Return on assets (ROA) | 0.9156% | 3,063 |
| Pretax return on assets | 0.9156% | 3,980 |
| Return on Equity (ROE) | 9.6709% | 2,526 |
| Retained earnings to average equity (ytd only) | -8.2973% | 6,775 |
| Net charge-offs to loans | 0.8769% | 1,167 |
| Credit loss provision to net charge-offs | 159.7052% | 1,588 |
| Earnings coverage of net charge-offs (x) | 2.4263% | 3,209 |
| Efficiency ratio | 74.9330% | 2,952 |
| Assets per employee ($millions) | 3.3972% | 5,345 |
| Cash dividends to net income (ytd only)* | 185.7969% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 5,181 |
| Loan loss allowance to noncurrent loans | 50.0420% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 4.4706% | 1,198 |
| Noncurrent loans to loans | 2.5269% | 2,581 |
| Net loans and leases to total assets | 71.1609% | 1,540 |
| Net loans and leases to deposits | 90.4159% | 930 |
| Net loans and leases to core deposits | 103.8819% | 772 |
| Total domestic deposits to total assets | 78.7040% | 6,147 |
| Equity capital to assets | 9.4824% | 4,829 |
| Core capital (leverage) ratio | 9.0761% | 4,721 |
| Tier 1 risk-based capital ratio | 12.4911% | 5,608 |
| Total risk-based capital ratio | 13.7415% | 5,575 |
| Memoranda: | ||
| Average total assets | $529,027,500 | 1,281 |
| Average earning assets | $453,652,500 | 1,364 |
| Average equity | $50,088,500 | 1,408 |
| Average total loans | $371,302,500 | 1,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 1,201 |
| Cost of funding earning assets | 1.4400% | 879 |
| Net interest margin | 4.0446% | 2,653 |
| Noninterest income to average assets | 2.2623% | 314 |
| Noninterest expense to average assets | 4.4721% | 599 |
| Loan and lease loss provision to assets | 0.7666% | 1,303 |
| Net operating income to assets | 0.4950% | 4,444 |
| Return on assets (ROA) | 0.7411% | 3,460 |
| Pretax return on assets | 0.7411% | 4,186 |
| Return on Equity (ROE) | 8.3401% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.3401% | 974 |
| Net charge-offs to loans | 0.8881% | 1,957 |
| Credit loss provision to net charge-offs | 123.6749% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.0353% | 4,255 |
| Efficiency ratio | 76.8293% | 2,768 |
| Assets per employee ($millions) | 3.6636% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,529 |
| Loan loss allowance to noncurrent loans | 40.6437% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 4.7763% | 1,137 |
| Noncurrent loans to loans | 2.8815% | 2,268 |
| Net loans and leases to total assets | 67.5404% | 2,484 |
| Net loans and leases to deposits | 85.4458% | 1,738 |
| Net loans and leases to core deposits | 98.2914% | 1,308 |
| Total domestic deposits to total assets | 79.0447% | 5,989 |
| Equity capital to assets | 9.4540% | 4,957 |
| Core capital (leverage) ratio | 9.1540% | 4,541 |
| Tier 1 risk-based capital ratio | 12.7765% | 5,257 |
| Total risk-based capital ratio | 13.9110% | 5,312 |
| Memoranda: | ||
| Average total assets | $502,197,600 | 1,335 |
| Average earning assets | $431,044,800 | 1,402 |
| Average equity | $44,627,600 | 1,521 |
| Average total loans | $350,540,200 | 1,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 1,137 |
| Cost of funding earning assets | 1.4941% | 886 |
| Net interest margin | 4.0583% | 2,655 |
| Noninterest income to average assets | 2.4924% | 266 |
| Noninterest expense to average assets | 4.4221% | 617 |
| Loan and lease loss provision to assets | 0.6882% | 1,405 |
| Net operating income to assets | 0.8685% | 2,867 |
| Return on assets (ROA) | 1.2021% | 1,754 |
| Pretax return on assets | 1.2021% | 2,623 |
| Return on Equity (ROE) | 13.7649% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.7649% | 309 |
| Net charge-offs to loans | 0.8024% | 1,958 |
| Credit loss provision to net charge-offs | 122.1850% | 2,653 |
| Earnings coverage of net charge-offs (x) | 2.7638% | 3,750 |
| Efficiency ratio | 72.8254% | 3,394 |
| Assets per employee ($millions) | 3.6856% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,879 |
| Loan loss allowance to noncurrent loans | 89.8252% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 3.7330% | 1,668 |
| Noncurrent loans to loans | 1.2282% | 4,486 |
| Net loans and leases to total assets | 67.6942% | 2,538 |
| Net loans and leases to deposits | 86.6297% | 1,604 |
| Net loans and leases to core deposits | 99.5878% | 1,288 |
| Total domestic deposits to total assets | 78.1421% | 6,165 |
| Equity capital to assets | 9.6444% | 4,862 |
| Core capital (leverage) ratio | 8.4295% | 5,809 |
| Tier 1 risk-based capital ratio | 13.0069% | 5,093 |
| Total risk-based capital ratio | 14.0741% | 5,208 |
| Memoranda: | ||
| Average total assets | $494,025,500 | 1,354 |
| Average earning assets | $424,407,500 | 1,433 |
| Average equity | $43,142,500 | 1,567 |
| Average total loans | $346,789,000 | 1,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 1,178 |
| Cost of funding earning assets | 1.5386% | 867 |
| Net interest margin | 4.0126% | 2,779 |
| Noninterest income to average assets | 1.7784% | 434 |
| Noninterest expense to average assets | 4.3280% | 724 |
| Loan and lease loss provision to assets | 0.6849% | 1,395 |
| Net operating income to assets | 0.2113% | 5,699 |
| Return on assets (ROA) | 0.3396% | 5,350 |
| Pretax return on assets | 0.3396% | 5,575 |
| Return on Equity (ROE) | 4.0434% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.0434% | 3,631 |
| Net charge-offs to loans | 0.8222% | 1,862 |
| Credit loss provision to net charge-offs | 117.6051% | 2,615 |
| Earnings coverage of net charge-offs (x) | 1.5388% | 4,135 |
| Efficiency ratio | 81.5097% | 2,170 |
| Assets per employee ($millions) | 3.4829% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 6,018 |
| Loan loss allowance to noncurrent loans | 45.6537% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.3667% | 1,961 |
| Noncurrent loans to loans | 2.3751% | 3,013 |
| Net loans and leases to total assets | 68.9717% | 2,420 |
| Net loans and leases to deposits | 86.8144% | 1,675 |
| Net loans and leases to core deposits | 102.6098% | 1,140 |
| Total domestic deposits to total assets | 79.4473% | 5,964 |
| Equity capital to assets | 8.3155% | 6,408 |
| Core capital (leverage) ratio | 8.0378% | 6,254 |
| Tier 1 risk-based capital ratio | 10.6599% | 6,734 |
| Total risk-based capital ratio | 11.6987% | 6,809 |
| Memoranda: | ||
| Average total assets | $481,790,000 | 1,395 |
| Average earning assets | $413,747,330 | 1,465 |
| Average equity | $40,461,330 | 1,659 |
| Average total loans | $341,291,000 | 1,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 1,393 |
| Cost of funding earning assets | 1.5721% | 908 |
| Net interest margin | 3.8931% | 3,177 |
| Noninterest income to average assets | 1.5138% | 568 |
| Noninterest expense to average assets | 4.3202% | 708 |
| Loan and lease loss provision to assets | 0.3814% | 2,277 |
| Net operating income to assets | 0.1432% | 5,962 |
| Return on assets (ROA) | 0.4052% | 5,011 |
| Pretax return on assets | 0.4052% | 5,327 |
| Return on Equity (ROE) | 4.7993% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.7993% | 3,302 |
| Net charge-offs to loans | 0.2480% | 3,097 |
| Credit loss provision to net charge-offs | 215.3110% | 1,395 |
| Earnings coverage of net charge-offs (x) | 2.9617% | 2,899 |
| Efficiency ratio | 87.7012% | 1,550 |
| Assets per employee ($millions) | 3.3813% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,895 |
| Loan loss allowance to noncurrent loans | 53.2040% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 3.3345% | 2,039 |
| Noncurrent loans to loans | 2.1386% | 3,394 |
| Net loans and leases to total assets | 69.4913% | 2,223 |
| Net loans and leases to deposits | 88.3535% | 1,421 |
| Net loans and leases to core deposits | 104.1844% | 1,051 |
| Total domestic deposits to total assets | 78.6514% | 6,264 |
| Equity capital to assets | 8.4797% | 5,942 |
| Core capital (leverage) ratio | 8.1669% | 6,019 |
| Tier 1 risk-based capital ratio | 11.0045% | 6,506 |
| Total risk-based capital ratio | 12.0874% | 6,597 |
| Memoranda: | ||
| Average total assets | $471,917,500 | 1,430 |
| Average earning assets | $403,791,000 | 1,511 |
| Average equity | $39,839,500 | 1,673 |
| Average total loans | $337,082,000 | 1,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1075% | 691 |
| Cost of funding earning assets | 1.9161% | 796 |
| Net interest margin | 4.1914% | 2,220 |
| Noninterest income to average assets | 2.0760% | 371 |
| Noninterest expense to average assets | 4.6477% | 573 |
| Loan and lease loss provision to assets | 0.5926% | 2,768 |
| Net operating income to assets | 0.4545% | 4,294 |
| Return on assets (ROA) | 0.6459% | 3,607 |
| Pretax return on assets | 0.6459% | 4,181 |
| Return on Equity (ROE) | 7.8641% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.9637% | 2,429 |
| Net charge-offs to loans | 1.4307% | 1,552 |
| Credit loss provision to net charge-offs | 56.1473% | 6,152 |
| Earnings coverage of net charge-offs (x) | 0.9921% | 5,116 |
| Efficiency ratio | 80.3801% | 2,369 |
| Assets per employee ($millions) | 3.1574% | 5,761 |
| Cash dividends to net income (ytd only)* | 36.8813% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,201 |
| Loan loss allowance to noncurrent loans | 66.2306% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 3.2324% | 2,189 |
| Noncurrent loans to loans | 1.5673% | 4,149 |
| Net loans and leases to total assets | 71.8190% | 2,140 |
| Net loans and leases to deposits | 91.3258% | 1,349 |
| Net loans and leases to core deposits | 106.9627% | 1,128 |
| Total domestic deposits to total assets | 78.6405% | 6,184 |
| Equity capital to assets | 8.4042% | 5,997 |
| Core capital (leverage) ratio | 8.0930% | 6,033 |
| Tier 1 risk-based capital ratio | 10.6405% | 6,608 |
| Total risk-based capital ratio | 11.6354% | 6,756 |
| Memoranda: | ||
| Average total assets | $478,557,000 | 1,404 |
| Average earning assets | $413,182,200 | 1,472 |
| Average equity | $39,305,400 | 1,683 |
| Average total loans | $353,032,000 | 1,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 840 |
| Cost of funding earning assets | 2.0078% | 734 |
| Net interest margin | 4.0429% | 2,892 |
| Noninterest income to average assets | 1.9606% | 387 |
| Noninterest expense to average assets | 4.6312% | 517 |
| Loan and lease loss provision to assets | 0.4053% | 3,474 |
| Net operating income to assets | 0.4261% | 4,639 |
| Return on assets (ROA) | 0.6550% | 3,794 |
| Pretax return on assets | 0.6550% | 4,407 |
| Return on Equity (ROE) | 8.0207% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.1480% | 3,553 |
| Net charge-offs to loans | 1.4901% | 1,350 |
| Credit loss provision to net charge-offs | 36.7270% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.7534% | 5,308 |
| Efficiency ratio | 83.4992% | 1,891 |
| Assets per employee ($millions) | 3.1189% | 5,879 |
| Cash dividends to net income (ytd only)* | 48.2846% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 6,654 |
| Loan loss allowance to noncurrent loans | 38.6053% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 3.4452% | 2,065 |
| Noncurrent loans to loans | 2.4018% | 3,234 |
| Net loans and leases to total assets | 74.0888% | 1,783 |
| Net loans and leases to deposits | 95.8085% | 1,002 |
| Net loans and leases to core deposits | 113.4793% | 864 |
| Total domestic deposits to total assets | 77.3301% | 6,408 |
| Equity capital to assets | 8.5777% | 6,185 |
| Core capital (leverage) ratio | 7.5976% | 6,769 |
| Tier 1 risk-based capital ratio | 9.9375% | 7,096 |
| Total risk-based capital ratio | 10.8051% | 7,234 |
| Memoranda: | ||
| Average total assets | $480,582,250 | 1,413 |
| Average earning assets | $416,291,000 | 1,478 |
| Average equity | $39,247,250 | 1,696 |
| Average total loans | $355,934,750 | 1,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9680% | 1,023 |
| Cost of funding earning assets | 2.0410% | 798 |
| Net interest margin | 3.9271% | 3,330 |
| Noninterest income to average assets | 2.1203% | 324 |
| Noninterest expense to average assets | 4.4234% | 629 |
| Loan and lease loss provision to assets | 0.3552% | 3,587 |
| Net operating income to assets | 0.7619% | 3,139 |
| Return on assets (ROA) | 0.9026% | 2,659 |
| Pretax return on assets | 0.9026% | 3,481 |
| Return on Equity (ROE) | 11.2341% | 1,678 |
| Retained earnings to average equity (ytd only) | 8.8055% | 1,173 |
| Net charge-offs to loans | 0.9303% | 1,978 |
| Credit loss provision to net charge-offs | 51.7117% | 5,381 |
| Earnings coverage of net charge-offs (x) | 1.6264% | 4,281 |
| Efficiency ratio | 78.5869% | 2,644 |
| Assets per employee ($millions) | 3.2368% | 5,580 |
| Cash dividends to net income (ytd only)* | 21.6179% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,590 |
| Loan loss allowance to noncurrent loans | 30.5530% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 4.1216% | 1,649 |
| Noncurrent loans to loans | 4.4764% | 1,627 |
| Net loans and leases to total assets | 71.2400% | 2,603 |
| Net loans and leases to deposits | 89.4608% | 1,937 |
| Net loans and leases to core deposits | 113.5903% | 936 |
| Total domestic deposits to total assets | 79.6327% | 5,848 |
| Equity capital to assets | 8.1000% | 6,653 |
| Core capital (leverage) ratio | 7.6938% | 6,617 |
| Tier 1 risk-based capital ratio | 9.8413% | 7,105 |
| Total risk-based capital ratio | 11.0920% | 7,090 |
| Memoranda: | ||
| Average total assets | $484,829,330 | 1,413 |
| Average earning assets | $422,249,000 | 1,468 |
| Average equity | $38,953,000 | 1,706 |
| Average total loans | $357,959,000 | 1,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 1,215 |
| Cost of funding earning assets | 2.0948% | 829 |
| Net interest margin | 3.7979% | 3,804 |
| Noninterest income to average assets | 2.3829% | 268 |
| Noninterest expense to average assets | 4.5542% | 545 |
| Loan and lease loss provision to assets | 1.0739% | 1,151 |
| Net operating income to assets | 0.0521% | 6,150 |
| Return on assets (ROA) | 0.2124% | 5,759 |
| Pretax return on assets | 0.2124% | 5,841 |
| Return on Equity (ROE) | 2.6554% | 5,504 |
| Retained earnings to average equity (ytd only) | -2.3091% | 6,260 |
| Net charge-offs to loans | 1.3076% | 1,308 |
| Credit loss provision to net charge-offs | 109.9742% | 3,131 |
| Earnings coverage of net charge-offs (x) | 1.1531% | 4,075 |
| Efficiency ratio | 78.9357% | 2,736 |
| Assets per employee ($millions) | 3.2340% | 5,686 |
| Cash dividends to net income (ytd only)* | 186.9565% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 3,226 |
| Loan loss allowance to noncurrent loans | 29.9536% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 4.8686% | 1,342 |
| Noncurrent loans to loans | 5.5287% | 1,259 |
| Net loans and leases to total assets | 71.4566% | 2,576 |
| Net loans and leases to deposits | 89.8754% | 1,921 |
| Net loans and leases to core deposits | 108.7158% | 1,368 |
| Total domestic deposits to total assets | 79.5063% | 5,943 |
| Equity capital to assets | 7.8938% | 6,764 |
| Core capital (leverage) ratio | 7.4992% | 6,854 |
| Tier 1 risk-based capital ratio | 9.4984% | 7,305 |
| Total risk-based capital ratio | 10.7523% | 7,298 |
| Memoranda: | ||
| Average total assets | $476,393,500 | 1,469 |
| Average earning assets | $413,599,500 | 1,536 |
| Average equity | $38,110,500 | 1,766 |
| Average total loans | $355,754,500 | 1,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3794% | 871 |
| Cost of funding earning assets | 2.2892% | 1,700 |
| Net interest margin | 4.0903% | 2,498 |
| Noninterest income to average assets | 2.1782% | 334 |
| Noninterest expense to average assets | 4.6013% | 716 |
| Loan and lease loss provision to assets | 1.0824% | 2,109 |
| Net operating income to assets | 0.0804% | 5,267 |
| Return on assets (ROA) | 0.5109% | 3,776 |
| Pretax return on assets | 0.5109% | 4,153 |
| Return on Equity (ROE) | 6.2664% | 3,095 |
| Retained earnings to average equity (ytd only) | -1.6114% | 5,417 |
| Net charge-offs to loans | 0.5320% | 3,653 |
| Credit loss provision to net charge-offs | 271.6238% | 1,272 |
| Earnings coverage of net charge-offs (x) | 2.9180% | 3,623 |
| Efficiency ratio | 78.5560% | 3,112 |
| Assets per employee ($millions) | 3.0160% | 6,187 |
| Cash dividends to net income (ytd only)* | 125.7143% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,217 |
| Loan loss allowance to noncurrent loans | 43.8023% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 3.6957% | 1,803 |
| Noncurrent loans to loans | 3.6867% | 2,043 |
| Net loans and leases to total assets | 75.5568% | 1,908 |
| Net loans and leases to deposits | 95.9200% | 1,344 |
| Net loans and leases to core deposits | 168.9978% | 244 |
| Total domestic deposits to total assets | 78.7707% | 6,038 |
| Equity capital to assets | 8.1112% | 6,450 |
| Core capital (leverage) ratio | 7.5204% | 6,768 |
| Tier 1 risk-based capital ratio | 9.4316% | 7,266 |
| Total risk-based capital ratio | 10.6852% | 7,244 |
| Memoranda: | ||
| Average total assets | $458,961,800 | 1,507 |
| Average earning assets | $402,370,200 | 1,578 |
| Average equity | $37,422,000 | 1,790 |
| Average total loans | $343,775,200 | 1,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3459% | 1,037 |
| Cost of funding earning assets | 2.3121% | 1,937 |
| Net interest margin | 4.0338% | 2,664 |
| Noninterest income to average assets | 2.2523% | 312 |
| Noninterest expense to average assets | 4.5720% | 679 |
| Loan and lease loss provision to assets | 0.4423% | 3,697 |
| Net operating income to assets | 0.7879% | 2,865 |
| Return on assets (ROA) | 1.1844% | 1,555 |
| Pretax return on assets | 1.1844% | 2,318 |
| Return on Equity (ROE) | 14.5074% | 837 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,310 |
| Net charge-offs to loans | 0.3508% | 3,885 |
| Credit loss provision to net charge-offs | 169.4196% | 2,754 |
| Earnings coverage of net charge-offs (x) | 4.7120% | 3,032 |
| Efficiency ratio | 77.5323% | 3,233 |
| Assets per employee ($millions) | 3.0391% | 6,063 |
| Cash dividends to net income (ytd only)* | 48.2166% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 6,685 |
| Loan loss allowance to noncurrent loans | 24.1225% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 3.6842% | 1,770 |
| Noncurrent loans to loans | 3.8017% | 1,954 |
| Net loans and leases to total assets | 74.8860% | 2,269 |
| Net loans and leases to deposits | 95.7759% | 1,606 |
| Net loans and leases to core deposits | 162.5535% | 346 |
| Total domestic deposits to total assets | 78.1887% | 6,024 |
| Equity capital to assets | 8.4014% | 6,385 |
| Core capital (leverage) ratio | 7.5826% | 6,881 |
| Tier 1 risk-based capital ratio | 9.5052% | 7,368 |
| Total risk-based capital ratio | 10.3735% | 7,580 |
| Memoranda: | ||
| Average total assets | $457,588,000 | 1,523 |
| Average earning assets | $402,688,500 | 1,592 |
| Average equity | $37,359,250 | 1,819 |
| Average total loans | $340,546,750 | 1,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3112% | 1,181 |
| Cost of funding earning assets | 2.3568% | 2,137 |
| Net interest margin | 3.9544% | 2,873 |
| Noninterest income to average assets | 2.3986% | 280 |
| Noninterest expense to average assets | 4.5549% | 737 |
| Loan and lease loss provision to assets | 0.4924% | 3,074 |
| Net operating income to assets | 0.8364% | 2,714 |
| Return on assets (ROA) | 1.2134% | 1,523 |
| Pretax return on assets | 1.2134% | 2,259 |
| Return on Equity (ROE) | 15.0114% | 827 |
| Retained earnings to average equity (ytd only) | 9.2357% | 882 |
| Net charge-offs to loans | 0.2808% | 3,791 |
| Credit loss provision to net charge-offs | 236.8644% | 1,961 |
| Earnings coverage of net charge-offs (x) | 6.3919% | 2,629 |
| Efficiency ratio | 76.1584% | 3,660 |
| Assets per employee ($millions) | 2.9965% | 6,138 |
| Cash dividends to net income (ytd only)* | 38.4755% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 6,664 |
| Loan loss allowance to noncurrent loans | 28.8883% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 3.0494% | 2,077 |
| Noncurrent loans to loans | 3.2045% | 2,225 |
| Net loans and leases to total assets | 74.3667% | 2,600 |
| Net loans and leases to deposits | 95.1912% | 1,922 |
| Net loans and leases to core deposits | 145.8415% | 768 |
| Total domestic deposits to total assets | 78.1235% | 6,041 |
| Equity capital to assets | 7.8724% | 6,890 |
| Core capital (leverage) ratio | 7.5566% | 6,953 |
| Tier 1 risk-based capital ratio | 9.3727% | 7,489 |
| Total risk-based capital ratio | 10.2479% | 7,714 |
| Memoranda: | ||
| Average total assets | $454,107,670 | 1,555 |
| Average earning assets | $400,211,330 | 1,621 |
| Average equity | $36,705,330 | 1,860 |
| Average total loans | $336,151,670 | 1,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4149% | 1,039 |
| Cost of funding earning assets | 2.4736% | 2,010 |
| Net interest margin | 3.9413% | 2,878 |
| Noninterest income to average assets | 1.7904% | 423 |
| Noninterest expense to average assets | 4.5424% | 681 |
| Loan and lease loss provision to assets | 0.2754% | 3,759 |
| Net operating income to assets | 0.4413% | 4,687 |
| Return on assets (ROA) | 0.8817% | 2,928 |
| Pretax return on assets | 0.8817% | 3,786 |
| Return on Equity (ROE) | 10.7608% | 2,040 |
| Retained earnings to average equity (ytd only) | 5.0794% | 3,075 |
| Net charge-offs to loans | 0.3662% | 2,631 |
| Credit loss provision to net charge-offs | 102.3333% | 3,664 |
| Earnings coverage of net charge-offs (x) | 2.6633% | 3,425 |
| Efficiency ratio | 84.9395% | 2,204 |
| Assets per employee ($millions) | 3.0690% | 5,974 |
| Cash dividends to net income (ytd only)* | 52.7976% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 7,172 |
| Loan loss allowance to noncurrent loans | 284.6320% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,078 |
| Noncurrent loans to loans | 0.2795% | 6,738 |
| Net loans and leases to total assets | 69.8551% | 3,706 |
| Net loans and leases to deposits | 93.6056% | 2,343 |
| Net loans and leases to core deposits | 140.3990% | 1,084 |
| Total domestic deposits to total assets | 74.6270% | 6,780 |
| Equity capital to assets | 7.8146% | 7,044 |
| Core capital (leverage) ratio | 7.6215% | 6,999 |
| Tier 1 risk-based capital ratio | 9.5002% | 7,424 |
| Total risk-based capital ratio | 10.2403% | 7,824 |
| Memoranda: | ||
| Average total assets | $445,934,000 | 1,593 |
| Average earning assets | $392,463,000 | 1,667 |
| Average equity | $36,540,000 | 1,869 |
| Average total loans | $327,662,000 | 1,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2035% | 741 |
| Cost of funding earning assets | 3.0316% | 1,746 |
| Net interest margin | 4.1719% | 2,428 |
| Noninterest income to average assets | 2.1011% | 318 |
| Noninterest expense to average assets | 4.9710% | 633 |
| Loan and lease loss provision to assets | 0.1891% | 4,995 |
| Net operating income to assets | 0.6264% | 4,203 |
| Return on assets (ROA) | 0.8683% | 2,989 |
| Pretax return on assets | 0.8683% | 3,826 |
| Return on Equity (ROE) | 10.7565% | 1,979 |
| Retained earnings to average equity (ytd only) | 3.9192% | 2,687 |
| Net charge-offs to loans | 0.1638% | 4,560 |
| Credit loss provision to net charge-offs | 157.7869% | 3,297 |
| Earnings coverage of net charge-offs (x) | 6.8033% | 3,267 |
| Efficiency ratio | 71.7166% | 3,991 |
| Assets per employee ($millions) | 2.7784% | 6,616 |
| Cash dividends to net income (ytd only)* | 63.5644% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 7,076 |
| Loan loss allowance to noncurrent loans | 121.5577% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 3,453 |
| Noncurrent loans to loans | 0.6643% | 5,377 |
| Net loans and leases to total assets | 76.2620% | 2,551 |
| Net loans and leases to deposits | 108.7713% | 916 |
| Net loans and leases to core deposits | 167.4354% | 451 |
| Total domestic deposits to total assets | 70.1122% | 7,263 |
| Equity capital to assets | 8.6159% | 5,910 |
| Core capital (leverage) ratio | 7.6489% | 7,006 |
| Tier 1 risk-based capital ratio | 9.7806% | 6,974 |
| Total risk-based capital ratio | 10.5530% | 7,439 |
| Memoranda: | ||
| Average total assets | $407,117,400 | 1,669 |
| Average earning assets | $359,643,800 | 1,726 |
| Average equity | $32,863,800 | 2,057 |
| Average total loans | $297,986,000 | 1,620 |