Home > First Bank & Trust Company > Performance and Condition Ratios
First Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 1,296 |
| Cost of funding earning assets | 0.9778% | 3,350 |
| Net interest margin | 4.4319% | 678 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.8660% | 1,348 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.1180% | 388 |
| Return on assets (ROA) | 2.0932% | 391 |
| Pretax return on assets | 2.0932% | 577 |
| Return on Equity (ROE) | 27.8100% | 221 |
| Retained earnings to average equity (ytd only) | 11.1093% | 769 |
| Net charge-offs to loans | -0.2694% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.7316% | 3,427 |
| Assets per employee ($millions) | 4.4996% | 3,952 |
| Cash dividends to net income (ytd only)* | 60.0550% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 1,537 |
| Loan loss allowance to noncurrent loans | 562.8834% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 2,535 |
| Noncurrent loans to loans | 0.2421% | 2,337 |
| Net loans and leases to total assets | 57.8900% | 3,046 |
| Net loans and leases to deposits | 65.1447% | 3,226 |
| Net loans and leases to core deposits | 68.0803% | 3,405 |
| Total domestic deposits to total assets | 88.8600% | 1,104 |
| Equity capital to assets | 8.4435% | 3,092 |
| Core capital (leverage) ratio | 11.4541% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $225,922,800 | 2,811 |
| Average earning assets | $217,423,800 | 2,757 |
| Average equity | $17,003,800 | 3,094 |
| Average total loans | $127,670,000 | 2,877 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 1,240 |
| Cost of funding earning assets | 0.8534% | 3,389 |
| Net interest margin | 4.4770% | 638 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.8042% | 1,429 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.2337% | 357 |
| Return on assets (ROA) | 2.1964% | 370 |
| Pretax return on assets | 2.1964% | 558 |
| Return on Equity (ROE) | 30.1200% | 225 |
| Retained earnings to average equity (ytd only) | 7.0440% | 2,267 |
| Net charge-offs to loans | -0.3854% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8459% | 3,509 |
| Assets per employee ($millions) | 4.1108% | 4,114 |
| Cash dividends to net income (ytd only)* | 76.6118% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,265 |
| Loan loss allowance to noncurrent loans | 470.8122% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,227 |
| Noncurrent loans to loans | 0.3074% | 2,134 |
| Net loans and leases to total assets | 56.9000% | 3,128 |
| Net loans and leases to deposits | 61.6367% | 3,426 |
| Net loans and leases to core deposits | 64.1193% | 3,518 |
| Total domestic deposits to total assets | 92.3100% | 400 |
| Equity capital to assets | 7.2492% | 3,486 |
| Core capital (leverage) ratio | 10.9588% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $225,034,000 | 2,828 |
| Average earning assets | $216,687,000 | 2,776 |
| Average equity | $16,410,750 | 3,133 |
| Average total loans | $125,917,500 | 2,894 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 1,286 |
| Cost of funding earning assets | 0.7404% | 3,375 |
| Net interest margin | 4.4092% | 698 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7852% | 1,448 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.1721% | 371 |
| Return on assets (ROA) | 2.1137% | 391 |
| Pretax return on assets | 2.1137% | 611 |
| Return on Equity (ROE) | 28.9300% | 239 |
| Retained earnings to average equity (ytd only) | 4.3228% | 3,123 |
| Net charge-offs to loans | -0.1614% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.2459% | 3,504 |
| Assets per employee ($millions) | 4.3651% | 4,026 |
| Cash dividends to net income (ytd only)* | 85.0565% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,294 |
| Loan loss allowance to noncurrent loans | 250.7087% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 1,685 |
| Noncurrent loans to loans | 0.4904% | 1,490 |
| Net loans and leases to total assets | 56.3500% | 3,094 |
| Net loans and leases to deposits | 61.9234% | 3,312 |
| Net loans and leases to core deposits | 64.4195% | 3,422 |
| Total domestic deposits to total assets | 91.0000% | 649 |
| Equity capital to assets | 7.3459% | 3,609 |
| Core capital (leverage) ratio | 10.5604% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $226,051,333 | 2,829 |
| Average earning assets | $217,725,667 | 2,775 |
| Average equity | $16,517,000 | 3,141 |
| Average total loans | $125,171,333 | 2,898 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 1,242 |
| Cost of funding earning assets | 0.5785% | 3,449 |
| Net interest margin | 4.4106% | 670 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.7183% | 1,625 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.2182% | 357 |
| Return on assets (ROA) | 2.2040% | 362 |
| Pretax return on assets | 2.2040% | 565 |
| Return on Equity (ROE) | 30.2500% | 230 |
| Retained earnings to average equity (ytd only) | 14.2835% | 902 |
| Net charge-offs to loans | -0.0325% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.1622% | 3,585 |
| Assets per employee ($millions) | 4.6124% | 3,953 |
| Cash dividends to net income (ytd only)* | 52.7755% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,630 |
| Loan loss allowance to noncurrent loans | 136.8324% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 1,016 |
| Noncurrent loans to loans | 0.8672% | 872 |
| Net loans and leases to total assets | 54.7500% | 3,143 |
| Net loans and leases to deposits | 59.7773% | 3,346 |
| Net loans and leases to core deposits | 62.2328% | 3,436 |
| Total domestic deposits to total assets | 91.5900% | 627 |
| Equity capital to assets | 7.6900% | 3,452 |
| Core capital (leverage) ratio | 10.6288% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,585,500 | 2,872 |
| Average earning assets | $217,112,000 | 2,818 |
| Average equity | $16,438,500 | 3,180 |
| Average total loans | $123,010,500 | 2,948 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 1,537 |
| Cost of funding earning assets | 0.2244% | 3,558 |
| Net interest margin | 3.8475% | 1,068 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.6982% | 1,562 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7199% | 522 |
| Return on assets (ROA) | 1.7146% | 499 |
| Pretax return on assets | 1.7146% | 889 |
| Return on Equity (ROE) | 21.9000% | 342 |
| Retained earnings to average equity (ytd only) | 7.9905% | 1,834 |
| Net charge-offs to loans | -0.0370% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0158% | 3,055 |
| Assets per employee ($millions) | 4.6909% | 3,903 |
| Cash dividends to net income (ytd only)* | 63.5198% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 1,835 |
| Loan loss allowance to noncurrent loans | 134.9787% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 972 |
| Noncurrent loans to loans | 0.9728% | 757 |
| Net loans and leases to total assets | 52.9400% | 3,289 |
| Net loans and leases to deposits | 56.9754% | 3,517 |
| Net loans and leases to core deposits | 58.9465% | 3,558 |
| Total domestic deposits to total assets | 92.9200% | 424 |
| Equity capital to assets | 6.8826% | 3,718 |
| Core capital (leverage) ratio | 10.6979% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $227,338,400 | 2,857 |
| Average earning assets | $218,794,000 | 2,809 |
| Average equity | $17,796,200 | 3,142 |
| Average total loans | $113,627,000 | 2,993 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 1,425 |
| Cost of funding earning assets | 0.1877% | 3,420 |
| Net interest margin | 3.7369% | 1,058 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.5709% | 1,790 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.7465% | 475 |
| Return on assets (ROA) | 1.7383% | 473 |
| Pretax return on assets | 1.7383% | 827 |
| Return on Equity (ROE) | 21.5600% | 319 |
| Retained earnings to average equity (ytd only) | 3.5925% | 3,587 |
| Net charge-offs to loans | 0.0417% | 1,078 |
| Credit loss provision to net charge-offs | 128.5714% | 1,185 |
| Earnings coverage of net charge-offs (x) | 86.5714% | 1,011 |
| Efficiency ratio | 58.4725% | 3,329 |
| Assets per employee ($millions) | 4.4179% | 4,111 |
| Cash dividends to net income (ytd only)* | 83.3389% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,847 |
| Loan loss allowance to noncurrent loans | 109.1308% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 855 |
| Noncurrent loans to loans | 1.2274% | 595 |
| Net loans and leases to total assets | 49.8200% | 3,475 |
| Net loans and leases to deposits | 53.1070% | 3,659 |
| Net loans and leases to core deposits | 54.8080% | 3,699 |
| Total domestic deposits to total assets | 93.8000% | 393 |
| Equity capital to assets | 5.9073% | 3,999 |
| Core capital (leverage) ratio | 10.0558% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $227,882,250 | 2,877 |
| Average earning assets | $219,460,750 | 2,825 |
| Average equity | $18,371,000 | 3,126 |
| Average total loans | $111,836,250 | 3,025 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 1,448 |
| Cost of funding earning assets | 0.1829% | 3,145 |
| Net interest margin | 3.5550% | 1,171 |
| Noninterest income to average assets | 0.7463% | 1,183 |
| Noninterest expense to average assets | 2.5411% | 1,806 |
| Loan and lease loss provision to assets | 0.0261% | 2,131 |
| Net operating income to assets | 1.6064% | 542 |
| Return on assets (ROA) | 1.5951% | 541 |
| Pretax return on assets | 1.5951% | 948 |
| Return on Equity (ROE) | 18.2278% | 445 |
| Retained earnings to average equity (ytd only) | 0.4765% | 4,097 |
| Net charge-offs to loans | -0.0482% | 4,223 |
| Credit loss provision to net charge-offs | -111.1111% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1374% | 3,277 |
| Assets per employee ($millions) | 4.5069% | 4,062 |
| Cash dividends to net income (ytd only)* | 97.3856% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 1,865 |
| Loan loss allowance to noncurrent loans | 103.1459% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 845 |
| Noncurrent loans to loans | 1.3321% | 585 |
| Net loans and leases to total assets | 48.1218% | 3,542 |
| Net loans and leases to deposits | 51.8731% | 3,696 |
| Net loans and leases to core deposits | 53.6018% | 3,720 |
| Total domestic deposits to total assets | 92.7684% | 571 |
| Equity capital to assets | 7.0015% | 3,768 |
| Core capital (leverage) ratio | 9.7391% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,211,000 | 2,885 |
| Average earning assets | $221,942,667 | 2,837 |
| Average equity | $20,145,000 | 3,055 |
| Average total loans | $111,936,000 | 3,039 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 1,241 |
| Cost of funding earning assets | 0.1836% | 3,038 |
| Net interest margin | 3.5325% | 1,023 |
| Noninterest income to average assets | 0.6650% | 1,432 |
| Noninterest expense to average assets | 2.5626% | 1,713 |
| Loan and lease loss provision to assets | 0.0260% | 1,897 |
| Net operating income to assets | 1.4827% | 659 |
| Return on assets (ROA) | 1.4758% | 661 |
| Pretax return on assets | 1.4758% | 1,062 |
| Return on Equity (ROE) | 15.3353% | 607 |
| Retained earnings to average equity (ytd only) | 4.5826% | 2,745 |
| Net charge-offs to loans | -0.0930% | 4,440 |
| Credit loss provision to net charge-offs | -57.6923% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2175% | 3,237 |
| Assets per employee ($millions) | 4.6973% | 4,001 |
| Cash dividends to net income (ytd only)* | 70.1176% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,026 |
| Loan loss allowance to noncurrent loans | 105.5363% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 950 |
| Noncurrent loans to loans | 1.2993% | 674 |
| Net loans and leases to total assets | 47.6576% | 3,422 |
| Net loans and leases to deposits | 52.2136% | 3,555 |
| Net loans and leases to core deposits | 54.0776% | 3,583 |
| Total domestic deposits to total assets | 91.2742% | 900 |
| Equity capital to assets | 8.5525% | 3,114 |
| Core capital (leverage) ratio | 10.1051% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,390,500 | 2,897 |
| Average earning assets | $222,164,500 | 2,850 |
| Average equity | $22,171,000 | 2,972 |
| Average total loans | $111,829,000 | 3,036 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 1,070 |
| Cost of funding earning assets | 0.2201% | 3,256 |
| Net interest margin | 3.9372% | 803 |
| Noninterest income to average assets | 0.6656% | 1,884 |
| Noninterest expense to average assets | 2.7068% | 1,617 |
| Loan and lease loss provision to assets | 0.1452% | 822 |
| Net operating income to assets | 1.6066% | 787 |
| Return on assets (ROA) | 1.6325% | 775 |
| Pretax return on assets | 1.6325% | 1,330 |
| Return on Equity (ROE) | 15.2741% | 889 |
| Retained earnings to average equity (ytd only) | 4.7539% | 2,892 |
| Net charge-offs to loans | 0.0189% | 1,902 |
| Credit loss provision to net charge-offs | 1,571.4286% | 367 |
| Earnings coverage of net charge-offs (x) | 189.6190% | 562 |
| Efficiency ratio | 60.0197% | 3,143 |
| Assets per employee ($millions) | 4.5218% | 4,098 |
| Cash dividends to net income (ytd only)* | 68.8763% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,271 |
| Loan loss allowance to noncurrent loans | 131.5603% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 1,356 |
| Noncurrent loans to loans | 1.0032% | 983 |
| Net loans and leases to total assets | 48.1137% | 3,488 |
| Net loans and leases to deposits | 54.0163% | 3,598 |
| Net loans and leases to core deposits | 56.4434% | 3,588 |
| Total domestic deposits to total assets | 89.0726% | 1,474 |
| Equity capital to assets | 10.6919% | 2,017 |
| Core capital (leverage) ratio | 10.2285% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,313,800 | 2,862 |
| Average earning assets | $218,987,200 | 2,817 |
| Average equity | $24,296,000 | 2,898 |
| Average total loans | $111,078,800 | 3,063 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 973 |
| Cost of funding earning assets | 0.2298% | 3,329 |
| Net interest margin | 4.0566% | 704 |
| Noninterest income to average assets | 0.6634% | 1,960 |
| Noninterest expense to average assets | 2.5937% | 1,857 |
| Loan and lease loss provision to assets | 0.1501% | 753 |
| Net operating income to assets | 1.8273% | 630 |
| Return on assets (ROA) | 1.8461% | 640 |
| Pretax return on assets | 1.8461% | 1,053 |
| Return on Equity (ROE) | 17.2737% | 727 |
| Retained earnings to average equity (ytd only) | 3.1948% | 3,831 |
| Net charge-offs to loans | 0.0458% | 1,208 |
| Credit loss provision to net charge-offs | 671.0526% | 659 |
| Earnings coverage of net charge-offs (x) | 88.3947% | 934 |
| Efficiency ratio | 56.0592% | 3,517 |
| Assets per employee ($millions) | 4.4391% | 4,166 |
| Cash dividends to net income (ytd only)* | 81.5051% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,509 |
| Loan loss allowance to noncurrent loans | 119.1781% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,479 |
| Noncurrent loans to loans | 1.0872% | 1,041 |
| Net loans and leases to total assets | 46.8382% | 3,730 |
| Net loans and leases to deposits | 52.8044% | 3,827 |
| Net loans and leases to core deposits | 55.1577% | 3,843 |
| Total domestic deposits to total assets | 88.7015% | 1,458 |
| Equity capital to assets | 10.8811% | 2,098 |
| Core capital (leverage) ratio | 9.8970% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,488,750 | 2,894 |
| Average earning assets | $218,173,500 | 2,850 |
| Average equity | $24,205,750 | 2,928 |
| Average total loans | $110,738,250 | 3,105 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 1,333 |
| Cost of funding earning assets | 0.2384% | 3,397 |
| Net interest margin | 3.8682% | 1,032 |
| Noninterest income to average assets | 0.6410% | 2,038 |
| Noninterest expense to average assets | 2.5808% | 1,907 |
| Loan and lease loss provision to assets | 0.1589% | 727 |
| Net operating income to assets | 1.6263% | 995 |
| Return on assets (ROA) | 1.6361% | 1,024 |
| Pretax return on assets | 1.6361% | 1,639 |
| Return on Equity (ROE) | 15.4012% | 1,067 |
| Retained earnings to average equity (ytd only) | -0.1247% | 4,526 |
| Net charge-offs to loans | 0.0840% | 839 |
| Credit loss provision to net charge-offs | 382.9787% | 778 |
| Earnings coverage of net charge-offs (x) | 43.0213% | 1,125 |
| Efficiency ratio | 58.3822% | 3,232 |
| Assets per employee ($millions) | 4.4874% | 4,110 |
| Cash dividends to net income (ytd only)* | 100.8095% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,036 |
| Loan loss allowance to noncurrent loans | 102.0265% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 1,487 |
| Noncurrent loans to loans | 1.1596% | 1,047 |
| Net loans and leases to total assets | 47.7746% | 3,750 |
| Net loans and leases to deposits | 53.7433% | 3,872 |
| Net loans and leases to core deposits | 55.8444% | 3,897 |
| Total domestic deposits to total assets | 88.8940% | 1,334 |
| Equity capital to assets | 10.5450% | 2,357 |
| Core capital (leverage) ratio | 9.6388% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,521,000 | 2,899 |
| Average earning assets | $218,135,667 | 2,843 |
| Average equity | $24,063,000 | 2,933 |
| Average total loans | $111,841,000 | 3,101 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 2,006 |
| Cost of funding earning assets | 0.2599% | 3,378 |
| Net interest margin | 3.5718% | 1,657 |
| Noninterest income to average assets | 0.6266% | 2,101 |
| Noninterest expense to average assets | 2.6323% | 1,792 |
| Loan and lease loss provision to assets | 0.1597% | 795 |
| Net operating income to assets | 1.2744% | 1,907 |
| Return on assets (ROA) | 1.2922% | 1,925 |
| Pretax return on assets | 1.2922% | 2,588 |
| Return on Equity (ROE) | 12.1192% | 1,976 |
| Retained earnings to average equity (ytd only) | 0.7325% | 4,263 |
| Net charge-offs to loans | 0.1032% | 671 |
| Credit loss provision to net charge-offs | 310.3448% | 740 |
| Earnings coverage of net charge-offs (x) | 27.8621% | 1,125 |
| Efficiency ratio | 63.9895% | 2,466 |
| Assets per employee ($millions) | 4.4733% | 4,125 |
| Cash dividends to net income (ytd only)* | 93.9560% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,519 |
| Loan loss allowance to noncurrent loans | 67.5410% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,112 |
| Noncurrent loans to loans | 1.6008% | 762 |
| Net loans and leases to total assets | 49.5665% | 3,672 |
| Net loans and leases to deposits | 55.5952% | 3,825 |
| Net loans and leases to core deposits | 57.3472% | 3,884 |
| Total domestic deposits to total assets | 89.1561% | 1,263 |
| Equity capital to assets | 10.3459% | 2,396 |
| Core capital (leverage) ratio | 9.8864% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,352,500 | 2,895 |
| Average earning assets | $217,032,000 | 2,838 |
| Average equity | $24,028,000 | 2,928 |
| Average total loans | $112,439,000 | 3,096 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,261 |
| Cost of funding earning assets | 0.4730% | 3,130 |
| Net interest margin | 4.0482% | 882 |
| Noninterest income to average assets | 0.7292% | 1,745 |
| Noninterest expense to average assets | 2.8885% | 1,714 |
| Loan and lease loss provision to assets | 0.2524% | 1,534 |
| Net operating income to assets | 1.4727% | 870 |
| Return on assets (ROA) | 1.8873% | 353 |
| Pretax return on assets | 1.8873% | 568 |
| Return on Equity (ROE) | 17.2098% | 389 |
| Retained earnings to average equity (ytd only) | 7.6284% | 1,163 |
| Net charge-offs to loans | 0.4324% | 386 |
| Credit loss provision to net charge-offs | 106.8465% | 2,752 |
| Earnings coverage of net charge-offs (x) | 7.3029% | 2,708 |
| Efficiency ratio | 61.9184% | 3,150 |
| Assets per employee ($millions) | 4.3641% | 4,058 |
| Cash dividends to net income (ytd only)* | 55.6739% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,630 |
| Loan loss allowance to noncurrent loans | 62.4668% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 1,187 |
| Noncurrent loans to loans | 1.7013% | 747 |
| Net loans and leases to total assets | 49.1479% | 3,893 |
| Net loans and leases to deposits | 55.3558% | 4,042 |
| Net loans and leases to core deposits | 57.7024% | 4,066 |
| Total domestic deposits to total assets | 88.7854% | 1,080 |
| Equity capital to assets | 10.9868% | 2,264 |
| Core capital (leverage) ratio | 10.2209% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,048,400 | 2,904 |
| Average earning assets | $195,788,600 | 2,866 |
| Average equity | $22,376,800 | 2,980 |
| Average total loans | $111,464,000 | 3,080 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,163 |
| Cost of funding earning assets | 0.5266% | 3,066 |
| Net interest margin | 4.1327% | 839 |
| Noninterest income to average assets | 0.7515% | 1,642 |
| Noninterest expense to average assets | 2.9859% | 1,471 |
| Loan and lease loss provision to assets | 0.2106% | 1,907 |
| Net operating income to assets | 1.5164% | 880 |
| Return on assets (ROA) | 1.9596% | 352 |
| Pretax return on assets | 1.9596% | 555 |
| Return on Equity (ROE) | 17.8788% | 369 |
| Retained earnings to average equity (ytd only) | 4.8006% | 2,652 |
| Net charge-offs to loans | 0.4536% | 338 |
| Credit loss provision to net charge-offs | 82.8947% | 2,739 |
| Earnings coverage of net charge-offs (x) | 6.7974% | 2,624 |
| Efficiency ratio | 62.6756% | 2,958 |
| Assets per employee ($millions) | 3.9448% | 4,357 |
| Cash dividends to net income (ytd only)* | 73.1491% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 3,865 |
| Loan loss allowance to noncurrent loans | 46.9254% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 953 |
| Noncurrent loans to loans | 2.0353% | 595 |
| Net loans and leases to total assets | 52.3817% | 3,940 |
| Net loans and leases to deposits | 59.0504% | 4,114 |
| Net loans and leases to core deposits | 61.8928% | 4,118 |
| Total domestic deposits to total assets | 88.7067% | 893 |
| Equity capital to assets | 10.9013% | 2,479 |
| Core capital (leverage) ratio | 9.3613% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,418,750 | 2,925 |
| Average earning assets | $191,153,750 | 2,881 |
| Average equity | $21,857,750 | 3,011 |
| Average total loans | $111,689,500 | 3,083 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,037 |
| Cost of funding earning assets | 0.5789% | 3,089 |
| Net interest margin | 4.2811% | 787 |
| Noninterest income to average assets | 0.7348% | 1,624 |
| Noninterest expense to average assets | 3.0521% | 1,455 |
| Loan and lease loss provision to assets | 0.2001% | 2,047 |
| Net operating income to assets | 1.5886% | 781 |
| Return on assets (ROA) | 1.9437% | 417 |
| Pretax return on assets | 1.9437% | 621 |
| Return on Equity (ROE) | 17.6985% | 398 |
| Retained earnings to average equity (ytd only) | 2.6725% | 3,517 |
| Net charge-offs to loans | 0.5603% | 283 |
| Credit loss provision to net charge-offs | 62.5000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.5865% | 2,501 |
| Efficiency ratio | 62.4338% | 3,055 |
| Assets per employee ($millions) | 4.0068% | 4,308 |
| Cash dividends to net income (ytd only)* | 84.8997% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,107 |
| Loan loss allowance to noncurrent loans | 52.6181% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 1,356 |
| Noncurrent loans to loans | 1.6624% | 875 |
| Net loans and leases to total assets | 51.7671% | 4,046 |
| Net loans and leases to deposits | 57.7171% | 4,235 |
| Net loans and leases to core deposits | 61.8261% | 4,182 |
| Total domestic deposits to total assets | 89.6911% | 497 |
| Equity capital to assets | 9.9747% | 3,231 |
| Core capital (leverage) ratio | 9.3059% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,884,667 | 2,948 |
| Average earning assets | $186,913,333 | 2,897 |
| Average equity | $21,403,000 | 3,037 |
| Average total loans | $111,366,000 | 3,085 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 890 |
| Cost of funding earning assets | 0.6180% | 3,342 |
| Net interest margin | 4.4232% | 594 |
| Noninterest income to average assets | 0.7816% | 1,363 |
| Noninterest expense to average assets | 3.2708% | 1,284 |
| Loan and lease loss provision to assets | 0.1510% | 1,885 |
| Net operating income to assets | 1.6032% | 622 |
| Return on assets (ROA) | 2.2161% | 192 |
| Pretax return on assets | 2.2161% | 282 |
| Return on Equity (ROE) | 19.0877% | 209 |
| Retained earnings to average equity (ytd only) | 8.6832% | 1,058 |
| Net charge-offs to loans | 0.0848% | 1,193 |
| Credit loss provision to net charge-offs | 295.6522% | 1,197 |
| Earnings coverage of net charge-offs (x) | 34.3478% | 1,106 |
| Efficiency ratio | 64.5603% | 3,138 |
| Assets per employee ($millions) | 3.8082% | 4,162 |
| Cash dividends to net income (ytd only)* | 54.5090% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 3,781 |
| Loan loss allowance to noncurrent loans | 34.0017% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7040% | 572 |
| Noncurrent loans to loans | 2.8989% | 380 |
| Net loans and leases to total assets | 56.9296% | 3,760 |
| Net loans and leases to deposits | 63.3139% | 4,019 |
| Net loans and leases to core deposits | 68.8066% | 3,947 |
| Total domestic deposits to total assets | 89.9164% | 346 |
| Equity capital to assets | 9.8324% | 3,934 |
| Core capital (leverage) ratio | 11.4173% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,138,000 | 3,045 |
| Average earning assets | $172,818,000 | 2,982 |
| Average equity | $20,914,000 | 3,084 |
| Average total loans | $108,459,500 | 3,098 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 1,248 |
| Cost of funding earning assets | 0.5058% | 4,066 |
| Net interest margin | 4.5782% | 600 |
| Noninterest income to average assets | 0.8182% | 1,393 |
| Noninterest expense to average assets | 3.0845% | 1,797 |
| Loan and lease loss provision to assets | 0.1513% | 1,407 |
| Net operating income to assets | 1.9819% | 368 |
| Return on assets (ROA) | 2.0512% | 321 |
| Pretax return on assets | 2.0512% | 533 |
| Return on Equity (ROE) | 14.9956% | 689 |
| Retained earnings to average equity (ytd only) | 4.3989% | 2,765 |
| Net charge-offs to loans | -0.0386% | 4,768 |
| Credit loss provision to net charge-offs | -625.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1161% | 3,823 |
| Assets per employee ($millions) | 3.7707% | 4,189 |
| Cash dividends to net income (ytd only)* | 70.6654% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,521 |
| Loan loss allowance to noncurrent loans | 117.9752% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 1,962 |
| Noncurrent loans to loans | 1.0032% | 1,514 |
| Net loans and leases to total assets | 63.2192% | 3,291 |
| Net loans and leases to deposits | 73.7885% | 3,372 |
| Net loans and leases to core deposits | 77.1598% | 3,503 |
| Total domestic deposits to total assets | 85.6762% | 2,206 |
| Equity capital to assets | 14.0785% | 1,075 |
| Core capital (leverage) ratio | 13.8216% | 974 |
| Tier 1 risk-based capital ratio | 18.8728% | 1,547 |
| Total risk-based capital ratio | 19.9266% | 1,560 |
| Memoranda: | ||
| Average total assets | $148,743,600 | 3,317 |
| Average earning assets | $142,937,400 | 3,244 |
| Average equity | $20,346,000 | 3,104 |
| Average total loans | $93,335,000 | 3,331 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 1,298 |
| Cost of funding earning assets | 0.5031% | 4,128 |
| Net interest margin | 4.5884% | 631 |
| Noninterest income to average assets | 0.8339% | 1,318 |
| Noninterest expense to average assets | 3.0062% | 1,962 |
| Loan and lease loss provision to assets | 0.1214% | 1,609 |
| Net operating income to assets | 2.1121% | 314 |
| Return on assets (ROA) | 2.1966% | 285 |
| Pretax return on assets | 2.1966% | 454 |
| Return on Equity (ROE) | 16.1793% | 583 |
| Retained earnings to average equity (ytd only) | 1.8949% | 4,309 |
| Net charge-offs to loans | -0.0749% | 4,933 |
| Credit loss provision to net charge-offs | -259.6154% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3734% | 4,019 |
| Assets per employee ($millions) | 3.5728% | 4,427 |
| Cash dividends to net income (ytd only)* | 88.2881% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,799 |
| Loan loss allowance to noncurrent loans | 126.3905% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 2,255 |
| Noncurrent loans to loans | 0.9060% | 1,768 |
| Net loans and leases to total assets | 62.9384% | 3,395 |
| Net loans and leases to deposits | 74.4148% | 3,440 |
| Net loans and leases to core deposits | 77.0067% | 3,629 |
| Total domestic deposits to total assets | 84.5777% | 2,593 |
| Equity capital to assets | 14.2781% | 1,048 |
| Core capital (leverage) ratio | 13.3812% | 1,180 |
| Tier 1 risk-based capital ratio | 18.8639% | 1,595 |
| Total risk-based capital ratio | 19.8788% | 1,618 |
| Memoranda: | ||
| Average total assets | $148,223,000 | 3,360 |
| Average earning assets | $142,326,500 | 3,281 |
| Average equity | $20,124,000 | 3,144 |
| Average total loans | $92,545,500 | 3,387 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 1,435 |
| Cost of funding earning assets | 0.4909% | 4,158 |
| Net interest margin | 4.5260% | 724 |
| Noninterest income to average assets | 0.8199% | 1,283 |
| Noninterest expense to average assets | 2.9825% | 2,049 |
| Loan and lease loss provision to assets | 0.1814% | 982 |
| Net operating income to assets | 2.0053% | 385 |
| Return on assets (ROA) | 2.0376% | 378 |
| Pretax return on assets | 2.0376% | 632 |
| Return on Equity (ROE) | 15.2666% | 713 |
| Retained earnings to average equity (ytd only) | -0.9668% | 4,824 |
| Net charge-offs to loans | 0.0542% | 1,872 |
| Credit loss provision to net charge-offs | 540.0000% | 570 |
| Earnings coverage of net charge-offs (x) | 65.0800% | 943 |
| Efficiency ratio | 57.6963% | 4,048 |
| Assets per employee ($millions) | 3.5413% | 4,454 |
| Cash dividends to net income (ytd only)* | 106.3325% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,259 |
| Loan loss allowance to noncurrent loans | 123.1056% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 2,365 |
| Noncurrent loans to loans | 0.8661% | 1,874 |
| Net loans and leases to total assets | 61.8269% | 3,559 |
| Net loans and leases to deposits | 71.8425% | 3,702 |
| Net loans and leases to core deposits | 74.3622% | 3,871 |
| Total domestic deposits to total assets | 86.0589% | 2,002 |
| Equity capital to assets | 13.6567% | 1,260 |
| Core capital (leverage) ratio | 12.8330% | 1,386 |
| Tier 1 risk-based capital ratio | 19.3516% | 1,472 |
| Total risk-based capital ratio | 20.3353% | 1,496 |
| Memoranda: | ||
| Average total assets | $148,803,000 | 3,368 |
| Average earning assets | $142,995,000 | 3,296 |
| Average equity | $19,860,330 | 3,159 |
| Average total loans | $92,306,670 | 3,404 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 1,772 |
| Cost of funding earning assets | 0.4634% | 4,228 |
| Net interest margin | 4.3859% | 932 |
| Noninterest income to average assets | 0.7821% | 1,332 |
| Noninterest expense to average assets | 3.0207% | 1,937 |
| Loan and lease loss provision to assets | 0.2016% | 792 |
| Net operating income to assets | 1.7818% | 603 |
| Return on assets (ROA) | 1.7818% | 620 |
| Pretax return on assets | 1.7818% | 1,013 |
| Return on Equity (ROE) | 13.5068% | 1,079 |
| Retained earnings to average equity (ytd only) | 2.5873% | 3,893 |
| Net charge-offs to loans | 0.0391% | 1,716 |
| Credit loss provision to net charge-offs | 833.3333% | 432 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 761 |
| Efficiency ratio | 60.3652% | 3,758 |
| Assets per employee ($millions) | 3.7017% | 4,340 |
| Cash dividends to net income (ytd only)* | 80.8446% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,559 |
| Loan loss allowance to noncurrent loans | 114.0964% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,395 |
| Noncurrent loans to loans | 0.8978% | 1,858 |
| Net loans and leases to total assets | 60.2887% | 3,674 |
| Net loans and leases to deposits | 69.6419% | 3,791 |
| Net loans and leases to core deposits | 71.8676% | 3,952 |
| Total domestic deposits to total assets | 86.5696% | 2,025 |
| Equity capital to assets | 13.1991% | 1,349 |
| Core capital (leverage) ratio | 13.5521% | 1,077 |
| Tier 1 risk-based capital ratio | 18.8504% | 1,575 |
| Total risk-based capital ratio | 19.7571% | 1,611 |
| Memoranda: | ||
| Average total assets | $148,838,000 | 3,404 |
| Average earning assets | $143,277,500 | 3,330 |
| Average equity | $19,634,500 | 3,192 |
| Average total loans | $91,986,000 | 3,452 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 1,680 |
| Cost of funding earning assets | 0.3814% | 4,097 |
| Net interest margin | 4.3688% | 1,004 |
| Noninterest income to average assets | 0.8426% | 1,329 |
| Noninterest expense to average assets | 2.8774% | 2,427 |
| Loan and lease loss provision to assets | 0.2113% | 882 |
| Net operating income to assets | 1.9422% | 401 |
| Return on assets (ROA) | 1.9301% | 410 |
| Pretax return on assets | 1.9301% | 664 |
| Return on Equity (ROE) | 15.4360% | 735 |
| Retained earnings to average equity (ytd only) | 3.9113% | 3,428 |
| Net charge-offs to loans | 0.2469% | 782 |
| Credit loss provision to net charge-offs | 140.6250% | 1,923 |
| Earnings coverage of net charge-offs (x) | 14.3304% | 2,386 |
| Efficiency ratio | 57.1943% | 4,266 |
| Assets per employee ($millions) | 3.5587% | 4,490 |
| Cash dividends to net income (ytd only)* | 74.6611% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,899 |
| Loan loss allowance to noncurrent loans | 106.9175% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,309 |
| Noncurrent loans to loans | 0.9003% | 1,781 |
| Net loans and leases to total assets | 62.1248% | 3,553 |
| Net loans and leases to deposits | 72.0480% | 3,666 |
| Net loans and leases to core deposits | 74.6013% | 3,814 |
| Total domestic deposits to total assets | 86.2269% | 2,122 |
| Equity capital to assets | 13.1843% | 1,260 |
| Core capital (leverage) ratio | 13.5170% | 1,073 |
| Tier 1 risk-based capital ratio | 19.2534% | 1,464 |
| Total risk-based capital ratio | 20.1193% | 1,505 |
| Memoranda: | ||
| Average total assets | $149,057,200 | 3,399 |
| Average earning assets | $142,898,800 | 3,334 |
| Average equity | $18,638,200 | 3,225 |
| Average total loans | $90,721,400 | 3,467 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,658 |
| Cost of funding earning assets | 0.3634% | 4,095 |
| Net interest margin | 4.3438% | 1,024 |
| Noninterest income to average assets | 0.8382% | 1,360 |
| Noninterest expense to average assets | 2.8838% | 2,356 |
| Loan and lease loss provision to assets | 0.2135% | 785 |
| Net operating income to assets | 1.8997% | 486 |
| Return on assets (ROA) | 1.8979% | 486 |
| Pretax return on assets | 1.8979% | 823 |
| Return on Equity (ROE) | 15.3822% | 808 |
| Retained earnings to average equity (ytd only) | -0.1082% | 5,050 |
| Net charge-offs to loans | 0.2622% | 636 |
| Credit loss provision to net charge-offs | 134.8315% | 1,844 |
| Earnings coverage of net charge-offs (x) | 13.3426% | 2,370 |
| Efficiency ratio | 57.7101% | 4,166 |
| Assets per employee ($millions) | 3.6530% | 4,368 |
| Cash dividends to net income (ytd only)* | 100.7033% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,968 |
| Loan loss allowance to noncurrent loans | 85.0299% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 2,147 |
| Noncurrent loans to loans | 1.1362% | 1,493 |
| Net loans and leases to total assets | 59.7684% | 3,867 |
| Net loans and leases to deposits | 68.5153% | 4,019 |
| Net loans and leases to core deposits | 70.4844% | 4,160 |
| Total domestic deposits to total assets | 87.2337% | 1,628 |
| Equity capital to assets | 12.4070% | 1,646 |
| Core capital (leverage) ratio | 12.7636% | 1,386 |
| Tier 1 risk-based capital ratio | 19.3600% | 1,460 |
| Total risk-based capital ratio | 20.2373% | 1,509 |
| Memoranda: | ||
| Average total assets | $149,844,500 | 3,424 |
| Average earning assets | $143,464,500 | 3,357 |
| Average equity | $18,488,500 | 3,260 |
| Average total loans | $90,520,250 | 3,497 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,630 |
| Cost of funding earning assets | 0.3629% | 3,987 |
| Net interest margin | 4.2914% | 1,052 |
| Noninterest income to average assets | 0.8565% | 1,300 |
| Noninterest expense to average assets | 2.8699% | 2,435 |
| Loan and lease loss provision to assets | 0.2383% | 665 |
| Net operating income to assets | 1.8493% | 524 |
| Return on assets (ROA) | 1.8493% | 527 |
| Pretax return on assets | 1.8493% | 876 |
| Return on Equity (ROE) | 15.0148% | 847 |
| Retained earnings to average equity (ytd only) | -1.8379% | 5,134 |
| Net charge-offs to loans | 0.2388% | 666 |
| Credit loss provision to net charge-offs | 165.1376% | 1,483 |
| Earnings coverage of net charge-offs (x) | 14.4679% | 2,099 |
| Efficiency ratio | 57.8905% | 4,250 |
| Assets per employee ($millions) | 3.7603% | 4,267 |
| Cash dividends to net income (ytd only)* | 112.2405% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,051 |
| Loan loss allowance to noncurrent loans | 81.7664% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 2,078 |
| Noncurrent loans to loans | 1.1770% | 1,475 |
| Net loans and leases to total assets | 58.9070% | 3,906 |
| Net loans and leases to deposits | 67.2751% | 4,076 |
| Net loans and leases to core deposits | 69.4188% | 4,179 |
| Total domestic deposits to total assets | 87.5613% | 1,609 |
| Equity capital to assets | 12.1402% | 1,752 |
| Core capital (leverage) ratio | 12.2895% | 1,548 |
| Tier 1 risk-based capital ratio | 18.8669% | 1,586 |
| Total risk-based capital ratio | 19.7409% | 1,642 |
| Memoranda: | ||
| Average total assets | $151,086,330 | 3,419 |
| Average earning assets | $144,382,670 | 3,366 |
| Average equity | $18,608,330 | 3,263 |
| Average total loans | $91,298,670 | 3,489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 1,516 |
| Cost of funding earning assets | 0.3637% | 3,887 |
| Net interest margin | 4.2538% | 1,039 |
| Noninterest income to average assets | 0.7396% | 1,659 |
| Noninterest expense to average assets | 2.8661% | 2,480 |
| Loan and lease loss provision to assets | 0.2113% | 767 |
| Net operating income to assets | 1.7091% | 675 |
| Return on assets (ROA) | 1.7091% | 685 |
| Pretax return on assets | 1.7091% | 1,091 |
| Return on Equity (ROE) | 13.7788% | 1,061 |
| Retained earnings to average equity (ytd only) | 2.7046% | 4,094 |
| Net charge-offs to loans | 0.2342% | 647 |
| Credit loss provision to net charge-offs | 148.1481% | 1,239 |
| Earnings coverage of net charge-offs (x) | 13.4630% | 1,752 |
| Efficiency ratio | 59.8786% | 4,084 |
| Assets per employee ($millions) | 3.8185% | 4,264 |
| Cash dividends to net income (ytd only)* | 80.3709% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,479 |
| Loan loss allowance to noncurrent loans | 84.0371% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 2,303 |
| Noncurrent loans to loans | 1.0628% | 1,722 |
| Net loans and leases to total assets | 59.2828% | 3,822 |
| Net loans and leases to deposits | 67.7151% | 3,966 |
| Net loans and leases to core deposits | 72.7060% | 3,903 |
| Total domestic deposits to total assets | 87.5474% | 1,874 |
| Equity capital to assets | 12.1894% | 1,666 |
| Core capital (leverage) ratio | 12.5615% | 1,364 |
| Tier 1 risk-based capital ratio | 19.3910% | 1,453 |
| Total risk-based capital ratio | 20.2298% | 1,519 |
| Memoranda: | ||
| Average total assets | $151,424,500 | 3,448 |
| Average earning assets | $144,060,000 | 3,406 |
| Average equity | $18,782,500 | 3,275 |
| Average total loans | $92,216,500 | 3,499 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,714 |
| Cost of funding earning assets | 0.2719% | 4,384 |
| Net interest margin | 4.2248% | 1,136 |
| Noninterest income to average assets | 0.7548% | 1,756 |
| Noninterest expense to average assets | 2.7904% | 2,806 |
| Loan and lease loss provision to assets | 0.1939% | 1,084 |
| Net operating income to assets | 1.8210% | 396 |
| Return on assets (ROA) | 1.9374% | 324 |
| Pretax return on assets | 1.9374% | 564 |
| Return on Equity (ROE) | 15.5194% | 542 |
| Retained earnings to average equity (ytd only) | 4.5948% | 2,396 |
| Net charge-offs to loans | 0.4270% | 575 |
| Credit loss provision to net charge-offs | 77.7480% | 2,979 |
| Earnings coverage of net charge-offs (x) | 8.0804% | 2,961 |
| Efficiency ratio | 58.0690% | 4,521 |
| Assets per employee ($millions) | 3.7528% | 4,356 |
| Cash dividends to net income (ytd only)* | 70.3934% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,671 |
| Loan loss allowance to noncurrent loans | 103.5387% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,699 |
| Noncurrent loans to loans | 0.8198% | 2,166 |
| Net loans and leases to total assets | 61.4743% | 3,681 |
| Net loans and leases to deposits | 72.0018% | 3,704 |
| Net loans and leases to core deposits | 78.7075% | 3,530 |
| Total domestic deposits to total assets | 85.3787% | 2,698 |
| Equity capital to assets | 12.6221% | 1,445 |
| Core capital (leverage) ratio | 13.0924% | 1,114 |
| Tier 1 risk-based capital ratio | 18.8862% | 1,531 |
| Total risk-based capital ratio | 19.6819% | 1,625 |
| Memoranda: | ||
| Average total assets | $149,585,000 | 3,475 |
| Average earning assets | $143,416,000 | 3,408 |
| Average equity | $18,673,400 | 3,282 |
| Average total loans | $87,344,800 | 3,581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 1,904 |
| Cost of funding earning assets | 0.2609% | 4,473 |
| Net interest margin | 4.1582% | 1,259 |
| Noninterest income to average assets | 0.7735% | 1,689 |
| Noninterest expense to average assets | 2.7959% | 2,740 |
| Loan and lease loss provision to assets | 0.1472% | 1,421 |
| Net operating income to assets | 1.8395% | 427 |
| Return on assets (ROA) | 1.9064% | 389 |
| Pretax return on assets | 1.9064% | 678 |
| Return on Equity (ROE) | 15.3145% | 614 |
| Retained earnings to average equity (ytd only) | 0.6951% | 5,066 |
| Net charge-offs to loans | 0.5245% | 387 |
| Credit loss provision to net charge-offs | 48.8166% | 2,925 |
| Earnings coverage of net charge-offs (x) | 6.5887% | 2,972 |
| Efficiency ratio | 58.4592% | 4,440 |
| Assets per employee ($millions) | 3.6207% | 4,559 |
| Cash dividends to net income (ytd only)* | 95.4609% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 4,849 |
| Loan loss allowance to noncurrent loans | 80.2752% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,710 |
| Noncurrent loans to loans | 1.0169% | 1,910 |
| Net loans and leases to total assets | 58.7243% | 3,990 |
| Net loans and leases to deposits | 68.2530% | 4,094 |
| Net loans and leases to core deposits | 73.5201% | 4,019 |
| Total domestic deposits to total assets | 86.0391% | 2,294 |
| Equity capital to assets | 12.9514% | 1,411 |
| Core capital (leverage) ratio | 12.3640% | 1,475 |
| Tier 1 risk-based capital ratio | 19.4220% | 1,497 |
| Total risk-based capital ratio | 20.1777% | 1,568 |
| Memoranda: | ||
| Average total assets | $149,453,750 | 3,511 |
| Average earning assets | $144,095,750 | 3,424 |
| Average equity | $18,605,000 | 3,318 |
| Average total loans | $85,913,750 | 3,638 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,955 |
| Cost of funding earning assets | 0.2461% | 4,576 |
| Net interest margin | 4.1108% | 1,300 |
| Noninterest income to average assets | 0.7656% | 1,702 |
| Noninterest expense to average assets | 2.8080% | 2,730 |
| Loan and lease loss provision to assets | 0.1391% | 1,483 |
| Net operating income to assets | 1.7789% | 468 |
| Return on assets (ROA) | 1.8226% | 447 |
| Pretax return on assets | 1.8226% | 792 |
| Return on Equity (ROE) | 14.8321% | 688 |
| Retained earnings to average equity (ytd only) | -1.3797% | 5,271 |
| Net charge-offs to loans | 0.7282% | 266 |
| Credit loss provision to net charge-offs | 33.5463% | 2,697 |
| Earnings coverage of net charge-offs (x) | 4.6262% | 2,904 |
| Efficiency ratio | 59.4170% | 4,404 |
| Assets per employee ($millions) | 3.6568% | 4,499 |
| Cash dividends to net income (ytd only)* | 109.3023% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,996 |
| Loan loss allowance to noncurrent loans | 123.6059% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 3,655 |
| Noncurrent loans to loans | 0.6300% | 2,840 |
| Net loans and leases to total assets | 53.8886% | 4,397 |
| Net loans and leases to deposits | 61.3198% | 4,541 |
| Net loans and leases to core deposits | 65.1976% | 4,527 |
| Total domestic deposits to total assets | 87.8812% | 1,517 |
| Equity capital to assets | 11.8225% | 2,062 |
| Core capital (leverage) ratio | 11.7214% | 1,815 |
| Tier 1 risk-based capital ratio | 19.1862% | 1,555 |
| Total risk-based capital ratio | 19.9028% | 1,647 |
| Memoranda: | ||
| Average total assets | $150,996,330 | 3,508 |
| Average earning assets | $145,469,330 | 3,424 |
| Average equity | $18,554,330 | 3,326 |
| Average total loans | $85,969,000 | 3,658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 1,553 |
| Cost of funding earning assets | 0.2249% | 4,755 |
| Net interest margin | 4.2065% | 975 |
| Noninterest income to average assets | 0.7709% | 1,661 |
| Noninterest expense to average assets | 2.8944% | 2,467 |
| Loan and lease loss provision to assets | 0.1623% | 1,109 |
| Net operating income to assets | 1.7610% | 488 |
| Return on assets (ROA) | 1.7664% | 487 |
| Pretax return on assets | 1.7664% | 866 |
| Return on Equity (ROE) | 14.0911% | 792 |
| Retained earnings to average equity (ytd only) | 3.3016% | 3,784 |
| Net charge-offs to loans | 0.1716% | 959 |
| Credit loss provision to net charge-offs | 162.1622% | 1,154 |
| Earnings coverage of net charge-offs (x) | 19.2162% | 1,538 |
| Efficiency ratio | 60.0786% | 4,446 |
| Assets per employee ($millions) | 3.5205% | 4,765 |
| Cash dividends to net income (ytd only)* | 76.5697% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 4,075 |
| Loan loss allowance to noncurrent loans | 113.9949% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 2,954 |
| Noncurrent loans to loans | 0.9060% | 2,226 |
| Net loans and leases to total assets | 58.0695% | 3,969 |
| Net loans and leases to deposits | 68.4719% | 3,948 |
| Net loans and leases to core deposits | 70.5885% | 4,104 |
| Total domestic deposits to total assets | 84.8078% | 3,167 |
| Equity capital to assets | 12.6404% | 1,446 |
| Core capital (leverage) ratio | 12.5294% | 1,325 |
| Tier 1 risk-based capital ratio | 19.2758% | 1,545 |
| Total risk-based capital ratio | 20.2262% | 1,582 |
| Memoranda: | ||
| Average total assets | $147,873,000 | 3,583 |
| Average earning assets | $142,255,500 | 3,492 |
| Average equity | $18,536,500 | 3,341 |
| Average total loans | $86,253,000 | 3,679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 1,814 |
| Cost of funding earning assets | 0.1910% | 5,098 |
| Net interest margin | 4.2111% | 1,086 |
| Noninterest income to average assets | 0.5973% | 2,679 |
| Noninterest expense to average assets | 2.7810% | 3,085 |
| Loan and lease loss provision to assets | 0.0800% | 2,762 |
| Net operating income to assets | 1.7778% | 463 |
| Return on assets (ROA) | 1.8205% | 446 |
| Pretax return on assets | 1.8205% | 758 |
| Return on Equity (ROE) | 14.6151% | 687 |
| Retained earnings to average equity (ytd only) | 4.1903% | 2,926 |
| Net charge-offs to loans | 0.0024% | 4,189 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,393.5000% | 43 |
| Efficiency ratio | 59.9511% | 4,588 |
| Assets per employee ($millions) | 3.6070% | 4,601 |
| Cash dividends to net income (ytd only)* | 71.3292% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,207 |
| Loan loss allowance to noncurrent loans | 163.4831% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 3,677 |
| Noncurrent loans to loans | 0.6227% | 2,980 |
| Net loans and leases to total assets | 57.3925% | 4,129 |
| Net loans and leases to deposits | 65.6910% | 4,272 |
| Net loans and leases to core deposits | 67.4342% | 4,439 |
| Total domestic deposits to total assets | 87.3674% | 1,945 |
| Equity capital to assets | 12.4304% | 1,562 |
| Core capital (leverage) ratio | 12.5119% | 1,326 |
| Tier 1 risk-based capital ratio | 18.9911% | 1,602 |
| Total risk-based capital ratio | 19.9113% | 1,656 |
| Memoranda: | ||
| Average total assets | $150,017,000 | 3,523 |
| Average earning assets | $143,975,800 | 3,446 |
| Average equity | $18,686,200 | 3,318 |
| Average total loans | $82,596,200 | 3,750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 1,909 |
| Cost of funding earning assets | 0.1893% | 5,184 |
| Net interest margin | 4.1955% | 1,130 |
| Noninterest income to average assets | 0.5951% | 2,683 |
| Noninterest expense to average assets | 2.7410% | 3,211 |
| Loan and lease loss provision to assets | 0.0797% | 2,621 |
| Net operating income to assets | 1.7987% | 496 |
| Return on assets (ROA) | 1.8563% | 462 |
| Pretax return on assets | 1.8563% | 789 |
| Return on Equity (ROE) | 14.8950% | 675 |
| Retained earnings to average equity (ytd only) | 1.0518% | 5,073 |
| Net charge-offs to loans | -0.0652% | 5,445 |
| Credit loss provision to net charge-offs | -225.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3367% | 4,641 |
| Assets per employee ($millions) | 3.4092% | 4,900 |
| Cash dividends to net income (ytd only)* | 92.9389% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 4,016 |
| Loan loss allowance to noncurrent loans | 407.8341% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 4,694 |
| Noncurrent loans to loans | 0.2627% | 4,319 |
| Net loans and leases to total assets | 55.7554% | 4,332 |
| Net loans and leases to deposits | 65.5004% | 4,389 |
| Net loans and leases to core deposits | 68.3098% | 4,439 |
| Total domestic deposits to total assets | 85.1222% | 2,744 |
| Equity capital to assets | 13.0340% | 1,473 |
| Core capital (leverage) ratio | 12.0336% | 1,656 |
| Tier 1 risk-based capital ratio | 18.8142% | 1,712 |
| Total risk-based capital ratio | 19.7695% | 1,748 |
| Memoranda: | ||
| Average total assets | $150,549,500 | 3,527 |
| Average earning assets | $144,404,750 | 3,457 |
| Average equity | $18,762,000 | 3,329 |
| Average total loans | $81,808,000 | 3,785 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,966 |
| Cost of funding earning assets | 0.1872% | 5,258 |
| Net interest margin | 4.1684% | 1,185 |
| Noninterest income to average assets | 0.5492% | 2,905 |
| Noninterest expense to average assets | 2.7353% | 3,252 |
| Loan and lease loss provision to assets | 0.0790% | 2,565 |
| Net operating income to assets | 1.7239% | 555 |
| Return on assets (ROA) | 1.7713% | 531 |
| Pretax return on assets | 1.7713% | 935 |
| Return on Equity (ROE) | 14.4259% | 763 |
| Retained earnings to average equity (ytd only) | -0.9760% | 5,435 |
| Net charge-offs to loans | -0.1275% | 5,693 |
| Credit loss provision to net charge-offs | -115.3846% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2728% | 4,613 |
| Assets per employee ($millions) | 3.4656% | 4,810 |
| Cash dividends to net income (ytd only)* | 106.7658% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 4,171 |
| Loan loss allowance to noncurrent loans | 456.3158% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 4,839 |
| Noncurrent loans to loans | 0.2322% | 4,510 |
| Net loans and leases to total assets | 54.3188% | 4,476 |
| Net loans and leases to deposits | 62.4794% | 4,618 |
| Net loans and leases to core deposits | 65.0522% | 4,680 |
| Total domestic deposits to total assets | 86.9388% | 1,945 |
| Equity capital to assets | 12.8598% | 1,580 |
| Core capital (leverage) ratio | 11.7212% | 1,832 |
| Tier 1 risk-based capital ratio | 18.6704% | 1,763 |
| Total risk-based capital ratio | 19.6089% | 1,798 |
| Memoranda: | ||
| Average total assets | $151,868,000 | 3,532 |
| Average earning assets | $145,330,330 | 3,465 |
| Average equity | $18,647,000 | 3,348 |
| Average total loans | $81,537,670 | 3,808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,066 |
| Cost of funding earning assets | 0.1856% | 5,321 |
| Net interest margin | 4.1324% | 1,254 |
| Noninterest income to average assets | 0.5297% | 2,935 |
| Noninterest expense to average assets | 2.7555% | 3,219 |
| Loan and lease loss provision to assets | 0.0783% | 2,396 |
| Net operating income to assets | 1.6465% | 641 |
| Return on assets (ROA) | 1.6465% | 682 |
| Pretax return on assets | 1.6465% | 1,188 |
| Return on Equity (ROE) | 13.7260% | 893 |
| Retained earnings to average equity (ytd only) | 3.8067% | 3,591 |
| Net charge-offs to loans | -0.0393% | 5,201 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5026% | 4,524 |
| Assets per employee ($millions) | 3.7061% | 4,460 |
| Cash dividends to net income (ytd only)* | 72.2662% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,732 |
| Loan loss allowance to noncurrent loans | 293.7037% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,859 |
| Noncurrent loans to loans | 0.3322% | 4,248 |
| Net loans and leases to total assets | 52.9638% | 4,539 |
| Net loans and leases to deposits | 60.5271% | 4,677 |
| Net loans and leases to core deposits | 62.9502% | 4,758 |
| Total domestic deposits to total assets | 87.5044% | 1,924 |
| Equity capital to assets | 12.3515% | 1,782 |
| Core capital (leverage) ratio | 11.7072% | 1,821 |
| Tier 1 risk-based capital ratio | 19.0356% | 1,731 |
| Total risk-based capital ratio | 19.8979% | 1,771 |
| Memoranda: | ||
| Average total assets | $153,291,000 | 3,531 |
| Average earning assets | $146,548,000 | 3,467 |
| Average equity | $18,388,500 | 3,388 |
| Average total loans | $81,399,500 | 3,822 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,145 |
| Cost of funding earning assets | 0.1897% | 5,371 |
| Net interest margin | 3.8536% | 2,191 |
| Noninterest income to average assets | 0.5946% | 2,743 |
| Noninterest expense to average assets | 2.6126% | 3,878 |
| Loan and lease loss provision to assets | 0.0646% | 2,998 |
| Net operating income to assets | 1.6327% | 657 |
| Return on assets (ROA) | 1.6560% | 646 |
| Pretax return on assets | 1.6560% | 1,093 |
| Return on Equity (ROE) | 14.6096% | 748 |
| Retained earnings to average equity (ytd only) | 3.8891% | 3,270 |
| Net charge-offs to loans | 0.1049% | 2,345 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 32.8250% | 1,365 |
| Efficiency ratio | 60.6179% | 4,816 |
| Assets per employee ($millions) | 3.6817% | 4,507 |
| Cash dividends to net income (ytd only)* | 73.3802% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,990 |
| Loan loss allowance to noncurrent loans | 293.7743% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 4,936 |
| Noncurrent loans to loans | 0.3152% | 4,333 |
| Net loans and leases to total assets | 52.2353% | 4,674 |
| Net loans and leases to deposits | 59.2382% | 4,833 |
| Net loans and leases to core deposits | 61.5460% | 4,896 |
| Total domestic deposits to total assets | 88.1785% | 1,543 |
| Equity capital to assets | 11.6463% | 2,237 |
| Core capital (leverage) ratio | 11.5222% | 1,946 |
| Tier 1 risk-based capital ratio | 18.7749% | 1,754 |
| Total risk-based capital ratio | 19.5909% | 1,825 |
| Memoranda: | ||
| Average total assets | $154,714,600 | 3,498 |
| Average earning assets | $149,158,600 | 3,417 |
| Average equity | $17,536,400 | 3,451 |
| Average total loans | $76,231,800 | 3,932 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,371 |
| Cost of funding earning assets | 0.1891% | 5,470 |
| Net interest margin | 3.8041% | 2,364 |
| Noninterest income to average assets | 0.6333% | 2,566 |
| Noninterest expense to average assets | 2.5919% | 3,912 |
| Loan and lease loss provision to assets | 0.0689% | 2,796 |
| Net operating income to assets | 1.6466% | 694 |
| Return on assets (ROA) | 1.6466% | 717 |
| Pretax return on assets | 1.6466% | 1,252 |
| Return on Equity (ROE) | 14.6280% | 788 |
| Retained earnings to average equity (ytd only) | 0.2373% | 5,539 |
| Net charge-offs to loans | 0.1050% | 2,084 |
| Credit loss provision to net charge-offs | 135.5932% | 1,819 |
| Earnings coverage of net charge-offs (x) | 33.7478% | 1,383 |
| Efficiency ratio | 60.1720% | 4,870 |
| Assets per employee ($millions) | 3.5747% | 4,658 |
| Cash dividends to net income (ytd only)* | 98.3775% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 4,750 |
| Loan loss allowance to noncurrent loans | 376.1194% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 5,217 |
| Noncurrent loans to loans | 0.2657% | 4,627 |
| Net loans and leases to total assets | 49.8851% | 4,942 |
| Net loans and leases to deposits | 56.6749% | 5,091 |
| Net loans and leases to core deposits | 58.4462% | 5,164 |
| Total domestic deposits to total assets | 88.0198% | 1,541 |
| Equity capital to assets | 11.7611% | 2,299 |
| Core capital (leverage) ratio | 11.0075% | 2,482 |
| Tier 1 risk-based capital ratio | 18.9142% | 1,795 |
| Total risk-based capital ratio | 19.7692% | 1,858 |
| Memoranda: | ||
| Average total assets | $154,735,000 | 3,530 |
| Average earning assets | $149,449,000 | 3,438 |
| Average equity | $17,418,250 | 3,498 |
| Average total loans | $74,907,750 | 4,013 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 3,631 |
| Cost of funding earning assets | 0.1870% | 5,554 |
| Net interest margin | 3.7281% | 2,590 |
| Noninterest income to average assets | 0.6387% | 2,533 |
| Noninterest expense to average assets | 2.5495% | 4,071 |
| Loan and lease loss provision to assets | 0.0640% | 2,839 |
| Net operating income to assets | 1.6229% | 713 |
| Return on assets (ROA) | 1.6229% | 747 |
| Pretax return on assets | 1.6229% | 1,272 |
| Return on Equity (ROE) | 14.6266% | 798 |
| Retained earnings to average equity (ytd only) | -1.4304% | 5,761 |
| Net charge-offs to loans | 0.1420% | 1,652 |
| Credit loss provision to net charge-offs | 94.3396% | 2,151 |
| Earnings coverage of net charge-offs (x) | 24.8679% | 1,548 |
| Efficiency ratio | 60.1813% | 4,949 |
| Assets per employee ($millions) | 3.6794% | 4,471 |
| Cash dividends to net income (ytd only)* | 109.7792% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,974 |
| Loan loss allowance to noncurrent loans | 732.0000% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 5,608 |
| Noncurrent loans to loans | 0.1337% | 5,212 |
| Net loans and leases to total assets | 47.9170% | 5,113 |
| Net loans and leases to deposits | 53.9209% | 5,258 |
| Net loans and leases to core deposits | 55.5386% | 5,337 |
| Total domestic deposits to total assets | 88.8652% | 1,209 |
| Equity capital to assets | 10.9665% | 2,918 |
| Core capital (leverage) ratio | 10.8096% | 2,603 |
| Tier 1 risk-based capital ratio | 19.0084% | 1,790 |
| Total risk-based capital ratio | 19.8483% | 1,856 |
| Memoranda: | ||
| Average total assets | $156,267,000 | 3,541 |
| Average earning assets | $150,801,670 | 3,443 |
| Average equity | $17,338,330 | 3,520 |
| Average total loans | $74,659,330 | 4,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,698 |
| Cost of funding earning assets | 0.1925% | 5,576 |
| Net interest margin | 3.6882% | 2,663 |
| Noninterest income to average assets | 0.7204% | 2,067 |
| Noninterest expense to average assets | 2.5711% | 4,026 |
| Loan and lease loss provision to assets | 0.0509% | 2,916 |
| Net operating income to assets | 1.6597% | 646 |
| Return on assets (ROA) | 1.6597% | 676 |
| Pretax return on assets | 1.6597% | 1,136 |
| Return on Equity (ROE) | 14.8740% | 728 |
| Retained earnings to average equity (ytd only) | 4.2888% | 3,441 |
| Net charge-offs to loans | 0.2681% | 893 |
| Credit loss provision to net charge-offs | 40.0000% | 2,184 |
| Earnings coverage of net charge-offs (x) | 13.4400% | 1,724 |
| Efficiency ratio | 60.0476% | 5,086 |
| Assets per employee ($millions) | 3.8772% | 4,204 |
| Cash dividends to net income (ytd only)* | 71.1656% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 5,157 |
| Loan loss allowance to noncurrent loans | 568.5484% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,629 |
| Noncurrent loans to loans | 0.1711% | 5,156 |
| Net loans and leases to total assets | 45.1468% | 5,261 |
| Net loans and leases to deposits | 50.9426% | 5,392 |
| Net loans and leases to core deposits | 52.3155% | 5,468 |
| Total domestic deposits to total assets | 88.6227% | 1,486 |
| Equity capital to assets | 11.2584% | 2,694 |
| Core capital (leverage) ratio | 11.0736% | 2,344 |
| Tier 1 risk-based capital ratio | 20.0807% | 1,598 |
| Total risk-based capital ratio | 20.9183% | 1,659 |
| Memoranda: | ||
| Average total assets | $157,133,500 | 3,552 |
| Average earning assets | $151,727,500 | 3,437 |
| Average equity | $17,534,000 | 3,516 |
| Average total loans | $74,599,000 | 4,062 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 4,231 |
| Cost of funding earning assets | 0.2093% | 5,669 |
| Net interest margin | 3.6639% | 3,154 |
| Noninterest income to average assets | 0.5732% | 3,031 |
| Noninterest expense to average assets | 2.6332% | 4,109 |
| Loan and lease loss provision to assets | 0.0495% | 3,579 |
| Net operating income to assets | 1.4347% | 1,010 |
| Return on assets (ROA) | 1.4347% | 1,042 |
| Pretax return on assets | 1.4347% | 1,769 |
| Return on Equity (ROE) | 13.4445% | 1,053 |
| Retained earnings to average equity (ytd only) | 3.1587% | 3,989 |
| Net charge-offs to loans | 0.0473% | 3,881 |
| Credit loss provision to net charge-offs | 234.3750% | 1,077 |
| Earnings coverage of net charge-offs (x) | 70.3125% | 702 |
| Efficiency ratio | 63.9539% | 4,593 |
| Assets per employee ($millions) | 3.7878% | 4,367 |
| Cash dividends to net income (ytd only)* | 76.5057% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,256 |
| Loan loss allowance to noncurrent loans | 326.6667% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 4,881 |
| Noncurrent loans to loans | 0.2933% | 4,801 |
| Net loans and leases to total assets | 48.9308% | 5,075 |
| Net loans and leases to deposits | 55.1087% | 5,239 |
| Net loans and leases to core deposits | 57.0671% | 5,308 |
| Total domestic deposits to total assets | 88.7895% | 1,362 |
| Equity capital to assets | 11.0566% | 2,842 |
| Core capital (leverage) ratio | 11.1695% | 2,243 |
| Tier 1 risk-based capital ratio | 19.5412% | 1,710 |
| Total risk-based capital ratio | 20.4004% | 1,775 |
| Memoranda: | ||
| Average total assets | $151,601,200 | 3,606 |
| Average earning assets | $146,645,400 | 3,500 |
| Average equity | $16,177,600 | 3,644 |
| Average total loans | $67,628,000 | 4,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,557 |
| Cost of funding earning assets | 0.2103% | 5,751 |
| Net interest margin | 3.5861% | 3,487 |
| Noninterest income to average assets | 0.5911% | 2,922 |
| Noninterest expense to average assets | 2.6723% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3901% | 1,154 |
| Return on assets (ROA) | 1.3901% | 1,194 |
| Pretax return on assets | 1.3901% | 2,050 |
| Return on Equity (ROE) | 13.1495% | 1,186 |
| Retained earnings to average equity (ytd only) | -0.7784% | 5,930 |
| Net charge-offs to loans | 0.0612% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 52.3653% | 947 |
| Efficiency ratio | 65.7809% | 4,247 |
| Assets per employee ($millions) | 3.5751% | 4,726 |
| Cash dividends to net income (ytd only)* | 105.9200% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 5,285 |
| Loan loss allowance to noncurrent loans | 382.6590% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,672 |
| Noncurrent loans to loans | 0.2567% | 5,137 |
| Net loans and leases to total assets | 44.4440% | 5,491 |
| Net loans and leases to deposits | 49.9416% | 5,652 |
| Net loans and leases to core deposits | 51.3734% | 5,722 |
| Total domestic deposits to total assets | 88.9919% | 1,239 |
| Equity capital to assets | 10.8203% | 3,157 |
| Core capital (leverage) ratio | 10.7214% | 2,795 |
| Tier 1 risk-based capital ratio | 20.7844% | 1,497 |
| Total risk-based capital ratio | 21.6384% | 1,543 |
| Memoranda: | ||
| Average total assets | $150,676,250 | 3,650 |
| Average earning assets | $145,854,500 | 3,542 |
| Average equity | $15,929,250 | 3,700 |
| Average total loans | $65,353,750 | 4,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,753 |
| Cost of funding earning assets | 0.2136% | 5,799 |
| Net interest margin | 3.5195% | 3,701 |
| Noninterest income to average assets | 0.5913% | 2,857 |
| Noninterest expense to average assets | 2.6927% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3059% | 1,289 |
| Return on assets (ROA) | 1.3059% | 1,341 |
| Pretax return on assets | 1.3059% | 2,233 |
| Return on Equity (ROE) | 12.4500% | 1,316 |
| Retained earnings to average equity (ytd only) | -3.3242% | 6,117 |
| Net charge-offs to loans | 0.0464% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 758 |
| Efficiency ratio | 67.3408% | 4,143 |
| Assets per employee ($millions) | 3.8633% | 4,139 |
| Cash dividends to net income (ytd only)* | 126.7005% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,108 |
| Loan loss allowance to noncurrent loans | 212.2257% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 4,983 |
| Noncurrent loans to loans | 0.4955% | 4,507 |
| Net loans and leases to total assets | 41.2215% | 5,728 |
| Net loans and leases to deposits | 46.1170% | 5,882 |
| Net loans and leases to core deposits | 47.3930% | 5,929 |
| Total domestic deposits to total assets | 89.3847% | 1,166 |
| Equity capital to assets | 10.4775% | 3,465 |
| Core capital (leverage) ratio | 10.6348% | 2,780 |
| Tier 1 risk-based capital ratio | 21.2534% | 1,400 |
| Total risk-based capital ratio | 22.1574% | 1,438 |
| Memoranda: | ||
| Average total assets | $150,850,670 | 3,667 |
| Average earning assets | $146,043,330 | 3,564 |
| Average equity | $15,823,330 | 3,718 |
| Average total loans | $64,673,000 | 4,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,749 |
| Cost of funding earning assets | 0.2250% | 5,798 |
| Net interest margin | 3.5032% | 3,675 |
| Noninterest income to average assets | 0.6094% | 2,681 |
| Noninterest expense to average assets | 2.7891% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2053% | 1,475 |
| Return on assets (ROA) | 1.2053% | 1,536 |
| Pretax return on assets | 1.2053% | 2,470 |
| Return on Equity (ROE) | 11.4837% | 1,548 |
| Retained earnings to average equity (ytd only) | 0.0256% | 5,539 |
| Net charge-offs to loans | 0.0494% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 56.1250% | 693 |
| Efficiency ratio | 69.8253% | 3,868 |
| Assets per employee ($millions) | 3.5719% | 4,785 |
| Cash dividends to net income (ytd only)* | 99.7773% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 5,284 |
| Loan loss allowance to noncurrent loans | 185.8696% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 4,968 |
| Noncurrent loans to loans | 0.5706% | 4,450 |
| Net loans and leases to total assets | 42.5306% | 5,626 |
| Net loans and leases to deposits | 47.6473% | 5,755 |
| Net loans and leases to core deposits | 49.1106% | 5,819 |
| Total domestic deposits to total assets | 89.2614% | 1,498 |
| Equity capital to assets | 10.6313% | 3,104 |
| Core capital (leverage) ratio | 11.0095% | 2,382 |
| Tier 1 risk-based capital ratio | 21.6779% | 1,343 |
| Total risk-based capital ratio | 22.5943% | 1,384 |
| Memoranda: | ||
| Average total assets | $149,010,500 | 3,714 |
| Average earning assets | $143,981,000 | 3,621 |
| Average equity | $15,639,500 | 3,760 |
| Average total loans | $64,821,000 | 4,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 4,721 |
| Cost of funding earning assets | 0.2819% | 5,750 |
| Net interest margin | 3.5427% | 3,720 |
| Noninterest income to average assets | 0.6133% | 3,011 |
| Noninterest expense to average assets | 2.8206% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1880% | 1,617 |
| Return on assets (ROA) | 1.1880% | 1,684 |
| Pretax return on assets | 1.1880% | 2,627 |
| Return on Equity (ROE) | 10.5072% | 1,923 |
| Retained earnings to average equity (ytd only) | 1.9092% | 4,869 |
| Net charge-offs to loans | 0.0385% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 69.2500% | 611 |
| Efficiency ratio | 70.3638% | 3,781 |
| Assets per employee ($millions) | 3.6098% | 4,658 |
| Cash dividends to net income (ytd only)* | 81.8291% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,303 |
| Loan loss allowance to noncurrent loans | 175.6345% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,006 |
| Noncurrent loans to loans | 0.6047% | 4,468 |
| Net loans and leases to total assets | 43.5548% | 5,714 |
| Net loans and leases to deposits | 48.6722% | 5,854 |
| Net loans and leases to core deposits | 50.1814% | 5,925 |
| Total domestic deposits to total assets | 89.4860% | 1,343 |
| Equity capital to assets | 10.3580% | 3,332 |
| Core capital (leverage) ratio | 11.1483% | 2,238 |
| Tier 1 risk-based capital ratio | 21.5783% | 1,320 |
| Total risk-based capital ratio | 22.5025% | 1,356 |
| Memoranda: | ||
| Average total assets | $139,897,200 | 3,874 |
| Average earning assets | $134,079,400 | 3,750 |
| Average equity | $15,817,800 | 3,735 |
| Average total loans | $62,357,800 | 4,533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,694 |
| Cost of funding earning assets | 0.2928% | 5,788 |
| Net interest margin | 3.5483% | 3,665 |
| Noninterest income to average assets | 0.6276% | 3,006 |
| Noninterest expense to average assets | 2.8886% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1373% | 1,862 |
| Return on assets (ROA) | 1.1373% | 1,934 |
| Pretax return on assets | 1.1373% | 2,957 |
| Return on Equity (ROE) | 9.8368% | 2,252 |
| Retained earnings to average equity (ytd only) | -1.5391% | 6,203 |
| Net charge-offs to loans | 0.0173% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 146.9503% | 375 |
| Efficiency ratio | 71.7511% | 3,448 |
| Assets per employee ($millions) | 3.3458% | 5,193 |
| Cash dividends to net income (ytd only)* | 115.6464% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,968 |
| Loan loss allowance to noncurrent loans | 206.4140% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 5,191 |
| Noncurrent loans to loans | 0.5717% | 4,773 |
| Net loans and leases to total assets | 43.2240% | 5,800 |
| Net loans and leases to deposits | 48.7202% | 5,919 |
| Net loans and leases to core deposits | 50.3657% | 5,993 |
| Total domestic deposits to total assets | 88.7189% | 1,712 |
| Equity capital to assets | 11.0850% | 2,683 |
| Core capital (leverage) ratio | 11.1241% | 2,363 |
| Tier 1 risk-based capital ratio | 22.2964% | 1,263 |
| Total risk-based capital ratio | 23.3036% | 1,297 |
| Memoranda: | ||
| Average total assets | $137,871,000 | 3,954 |
| Average earning assets | $132,040,750 | 3,836 |
| Average equity | $15,939,750 | 3,752 |
| Average total loans | $61,658,750 | 4,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,769 |
| Cost of funding earning assets | 0.2983% | 5,842 |
| Net interest margin | 3.5187% | 3,703 |
| Noninterest income to average assets | 0.5894% | 3,256 |
| Noninterest expense to average assets | 2.9196% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0355% | 2,178 |
| Return on assets (ROA) | 1.0355% | 2,295 |
| Pretax return on assets | 1.0355% | 3,348 |
| Return on Equity (ROE) | 8.8357% | 2,686 |
| Retained earnings to average equity (ytd only) | -4.7083% | 6,439 |
| Net charge-offs to loans | -0.0064% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8191% | 3,166 |
| Assets per employee ($millions) | 3.4673% | 4,922 |
| Cash dividends to net income (ytd only)* | 153.2867% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,281 |
| Loan loss allowance to noncurrent loans | 268.9139% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 5,454 |
| Noncurrent loans to loans | 0.4238% | 5,200 |
| Net loans and leases to total assets | 43.8153% | 5,754 |
| Net loans and leases to deposits | 48.9728% | 5,922 |
| Net loans and leases to core deposits | 50.9759% | 5,963 |
| Total domestic deposits to total assets | 89.4688% | 1,343 |
| Equity capital to assets | 10.3807% | 3,451 |
| Core capital (leverage) ratio | 11.1177% | 2,239 |
| Tier 1 risk-based capital ratio | 21.7886% | 1,330 |
| Total risk-based capital ratio | 22.7965% | 1,346 |
| Memoranda: | ||
| Average total assets | $138,102,670 | 3,986 |
| Average earning assets | $132,092,670 | 3,866 |
| Average equity | $16,184,330 | 3,741 |
| Average total loans | $62,211,330 | 4,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,790 |
| Cost of funding earning assets | 0.3097% | 5,895 |
| Net interest margin | 3.5029% | 3,684 |
| Noninterest income to average assets | 0.5820% | 3,238 |
| Noninterest expense to average assets | 2.9190% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9877% | 2,283 |
| Return on assets (ROA) | 0.9877% | 2,406 |
| Pretax return on assets | 0.9877% | 3,411 |
| Return on Equity (ROE) | 7.9536% | 2,999 |
| Retained earnings to average equity (ytd only) | -2.8406% | 6,171 |
| Net charge-offs to loans | -0.0259% | 5,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7178% | 3,138 |
| Assets per employee ($millions) | 3.2133% | 5,599 |
| Cash dividends to net income (ytd only)* | 135.7143% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,356 |
| Loan loss allowance to noncurrent loans | 167.8322% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 5,180 |
| Noncurrent loans to loans | 0.6929% | 4,740 |
| Net loans and leases to total assets | 45.3456% | 5,506 |
| Net loans and leases to deposits | 51.8364% | 5,636 |
| Net loans and leases to core deposits | 54.1226% | 5,655 |
| Total domestic deposits to total assets | 87.4784% | 2,643 |
| Equity capital to assets | 12.4127% | 1,766 |
| Core capital (leverage) ratio | 11.6413% | 1,787 |
| Tier 1 risk-based capital ratio | 22.4088% | 1,259 |
| Total risk-based capital ratio | 23.4311% | 1,270 |
| Memoranda: | ||
| Average total assets | $136,075,000 | 4,061 |
| Average earning assets | $129,150,000 | 3,959 |
| Average equity | $16,898,000 | 3,686 |
| Average total loans | $61,814,500 | 4,642 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 5,664 |
| Cost of funding earning assets | 0.3733% | 6,086 |
| Net interest margin | 3.4979% | 4,510 |
| Noninterest income to average assets | 0.5952% | 3,306 |
| Noninterest expense to average assets | 2.7536% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1823% | 1,655 |
| Return on assets (ROA) | 1.1823% | 1,816 |
| Pretax return on assets | 1.1823% | 2,857 |
| Return on Equity (ROE) | 9.4766% | 2,418 |
| Retained earnings to average equity (ytd only) | 1.0215% | 5,367 |
| Net charge-offs to loans | 0.1488% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 18.2386% | 1,449 |
| Efficiency ratio | 69.9607% | 3,825 |
| Assets per employee ($millions) | 3.2665% | 5,478 |
| Cash dividends to net income (ytd only)* | 89.2212% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,300 |
| Loan loss allowance to noncurrent loans | 183.1202% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,373 |
| Noncurrent loans to loans | 0.6336% | 4,939 |
| Net loans and leases to total assets | 44.4599% | 5,772 |
| Net loans and leases to deposits | 50.8529% | 5,902 |
| Net loans and leases to core deposits | 53.0580% | 5,937 |
| Total domestic deposits to total assets | 87.4285% | 2,563 |
| Equity capital to assets | 12.4236% | 1,765 |
| Core capital (leverage) ratio | 11.7297% | 1,720 |
| Tier 1 risk-based capital ratio | 19.8799% | 1,707 |
| Total risk-based capital ratio | 20.7750% | 1,777 |
| Memoranda: | ||
| Average total assets | $135,747,400 | 4,027 |
| Average earning assets | $129,650,600 | 3,908 |
| Average equity | $16,936,400 | 3,642 |
| Average total loans | $59,141,000 | 4,746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 5,851 |
| Cost of funding earning assets | 0.3869% | 6,192 |
| Net interest margin | 3.4853% | 4,701 |
| Noninterest income to average assets | 0.5968% | 3,295 |
| Noninterest expense to average assets | 2.7112% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2300% | 1,631 |
| Return on assets (ROA) | 1.2300% | 1,805 |
| Pretax return on assets | 1.2300% | 2,870 |
| Return on Equity (ROE) | 9.8483% | 2,416 |
| Retained earnings to average equity (ytd only) | -1.4429% | 6,327 |
| Net charge-offs to loans | 0.2006% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 14.1932% | 1,855 |
| Efficiency ratio | 68.7906% | 3,914 |
| Assets per employee ($millions) | 3.2633% | 5,516 |
| Cash dividends to net income (ytd only)* | 114.6521% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,818 |
| Loan loss allowance to noncurrent loans | 242.7119% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 5,735 |
| Noncurrent loans to loans | 0.5356% | 5,373 |
| Net loans and leases to total assets | 40.6272% | 6,231 |
| Net loans and leases to deposits | 46.6540% | 6,341 |
| Net loans and leases to core deposits | 48.7341% | 6,367 |
| Total domestic deposits to total assets | 87.0819% | 2,615 |
| Equity capital to assets | 12.7664% | 1,732 |
| Core capital (leverage) ratio | 11.3829% | 2,067 |
| Tier 1 risk-based capital ratio | 21.8890% | 1,351 |
| Total risk-based capital ratio | 22.8958% | 1,368 |
| Memoranda: | ||
| Average total assets | $135,386,500 | 4,070 |
| Average earning assets | $129,914,750 | 3,941 |
| Average equity | $16,909,500 | 3,676 |
| Average total loans | $58,498,500 | 4,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 5,825 |
| Cost of funding earning assets | 0.4024% | 6,251 |
| Net interest margin | 3.5325% | 4,544 |
| Noninterest income to average assets | 0.5812% | 3,371 |
| Noninterest expense to average assets | 2.7384% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2272% | 1,618 |
| Return on assets (ROA) | 1.2272% | 1,811 |
| Pretax return on assets | 1.2272% | 2,814 |
| Return on Equity (ROE) | 9.8977% | 2,401 |
| Retained earnings to average equity (ytd only) | -3.2043% | 6,486 |
| Net charge-offs to loans | 0.0537% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 52.1250% | 704 |
| Efficiency ratio | 69.0538% | 3,929 |
| Assets per employee ($millions) | 3.4603% | 5,070 |
| Cash dividends to net income (ytd only)* | 132.3741% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,561 |
| Loan loss allowance to noncurrent loans | 201.0204% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,671 |
| Noncurrent loans to loans | 0.6831% | 5,141 |
| Net loans and leases to total assets | 40.8905% | 6,282 |
| Net loans and leases to deposits | 46.5578% | 6,402 |
| Net loans and leases to core deposits | 48.9268% | 6,405 |
| Total domestic deposits to total assets | 87.8276% | 2,265 |
| Equity capital to assets | 12.0597% | 2,108 |
| Core capital (leverage) ratio | 11.4241% | 1,947 |
| Tier 1 risk-based capital ratio | 23.2548% | 1,104 |
| Total risk-based capital ratio | 24.4385% | 1,090 |
| Memoranda: | ||
| Average total assets | $135,916,330 | 4,075 |
| Average earning assets | $130,218,670 | 3,954 |
| Average equity | $16,852,330 | 3,668 |
| Average total loans | $59,640,000 | 4,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 5,806 |
| Cost of funding earning assets | 0.4182% | 6,325 |
| Net interest margin | 3.5685% | 4,399 |
| Noninterest income to average assets | 0.5346% | 3,667 |
| Noninterest expense to average assets | 2.8069% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1495% | 1,882 |
| Return on assets (ROA) | 1.1495% | 2,063 |
| Pretax return on assets | 1.1495% | 3,114 |
| Return on Equity (ROE) | 9.1422% | 2,767 |
| Retained earnings to average equity (ytd only) | -0.6851% | 6,107 |
| Net charge-offs to loans | 0.1053% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.1875% | 1,066 |
| Efficiency ratio | 70.9459% | 3,630 |
| Assets per employee ($millions) | 3.3074% | 5,551 |
| Cash dividends to net income (ytd only)* | 107.4935% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 5,081 |
| Loan loss allowance to noncurrent loans | 205.7441% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 5,751 |
| Noncurrent loans to loans | 0.6252% | 5,396 |
| Net loans and leases to total assets | 44.5956% | 5,947 |
| Net loans and leases to deposits | 51.0114% | 6,070 |
| Net loans and leases to core deposits | 53.6708% | 6,081 |
| Total domestic deposits to total assets | 87.4228% | 2,705 |
| Equity capital to assets | 12.5005% | 1,718 |
| Core capital (leverage) ratio | 12.0437% | 1,560 |
| Tier 1 risk-based capital ratio | 22.6609% | 1,182 |
| Total risk-based capital ratio | 23.7968% | 1,179 |
| Memoranda: | ||
| Average total assets | $134,669,000 | 4,135 |
| Average earning assets | $129,129,000 | 4,003 |
| Average equity | $16,932,500 | 3,660 |
| Average total loans | $60,767,500 | 4,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 5,746 |
| Cost of funding earning assets | 0.5738% | 6,217 |
| Net interest margin | 3.7321% | 4,147 |
| Noninterest income to average assets | 0.6073% | 3,124 |
| Noninterest expense to average assets | 2.9021% | 3,949 |
| Loan and lease loss provision to assets | 0.1180% | 5,126 |
| Net operating income to assets | 1.1588% | 1,642 |
| Return on assets (ROA) | 1.1588% | 1,752 |
| Pretax return on assets | 1.1588% | 2,616 |
| Return on Equity (ROE) | 8.9663% | 2,463 |
| Retained earnings to average equity (ytd only) | 0.9313% | 5,425 |
| Net charge-offs to loans | 0.0237% | 6,107 |
| Credit loss provision to net charge-offs | 1,071.4286% | 208 |
| Earnings coverage of net charge-offs (x) | 115.9286% | 280 |
| Efficiency ratio | 69.4465% | 4,066 |
| Assets per employee ($millions) | 3.2618% | 5,597 |
| Cash dividends to net income (ytd only)* | 89.6130% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,735 |
| Loan loss allowance to noncurrent loans | 223.9554% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 5,882 |
| Noncurrent loans to loans | 0.5956% | 5,523 |
| Net loans and leases to total assets | 44.4685% | 6,164 |
| Net loans and leases to deposits | 50.9755% | 6,292 |
| Net loans and leases to core deposits | 52.8369% | 6,382 |
| Total domestic deposits to total assets | 87.2352% | 2,621 |
| Equity capital to assets | 12.6474% | 1,703 |
| Core capital (leverage) ratio | 11.4803% | 1,907 |
| Tier 1 risk-based capital ratio | 23.2380% | 1,075 |
| Total risk-based capital ratio | 24.4245% | 1,062 |
| Memoranda: | ||
| Average total assets | $127,114,800 | 4,227 |
| Average earning assets | $121,646,800 | 4,101 |
| Average equity | $16,428,200 | 3,660 |
| Average total loans | $59,047,800 | 4,904 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 5,726 |
| Cost of funding earning assets | 0.6047% | 6,265 |
| Net interest margin | 3.7596% | 4,065 |
| Noninterest income to average assets | 0.6366% | 2,958 |
| Noninterest expense to average assets | 2.9756% | 3,655 |
| Loan and lease loss provision to assets | 0.1212% | 4,920 |
| Net operating income to assets | 1.1339% | 1,866 |
| Return on assets (ROA) | 1.1339% | 1,987 |
| Pretax return on assets | 1.1339% | 2,881 |
| Return on Equity (ROE) | 8.7242% | 2,730 |
| Retained earnings to average equity (ytd only) | -2.0686% | 6,306 |
| Net charge-offs to loans | -0.0272% | 6,956 |
| Credit loss provision to net charge-offs | -950.0000% | 6,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3341% | 3,899 |
| Assets per employee ($millions) | 3.2096% | 5,654 |
| Cash dividends to net income (ytd only)* | 123.7117% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,504 |
| Loan loss allowance to noncurrent loans | 197.5124% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 5,937 |
| Noncurrent loans to loans | 0.7150% | 5,448 |
| Net loans and leases to total assets | 41.1175% | 6,553 |
| Net loans and leases to deposits | 47.1130% | 6,681 |
| Net loans and leases to core deposits | 48.8155% | 6,723 |
| Total domestic deposits to total assets | 87.2741% | 2,480 |
| Equity capital to assets | 12.4633% | 1,937 |
| Core capital (leverage) ratio | 11.9605% | 1,729 |
| Tier 1 risk-based capital ratio | 24.0195% | 1,009 |
| Total risk-based capital ratio | 25.2626% | 998 |
| Memoranda: | ||
| Average total assets | $125,459,750 | 4,287 |
| Average earning assets | $119,938,750 | 4,152 |
| Average equity | $16,306,750 | 3,689 |
| Average total loans | $58,741,250 | 4,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 5,422 |
| Cost of funding earning assets | 0.6368% | 6,291 |
| Net interest margin | 3.8413% | 3,576 |
| Noninterest income to average assets | 0.6261% | 2,970 |
| Noninterest expense to average assets | 3.0439% | 3,462 |
| Loan and lease loss provision to assets | 0.1275% | 4,694 |
| Net operating income to assets | 1.1231% | 1,812 |
| Return on assets (ROA) | 1.1231% | 1,891 |
| Pretax return on assets | 1.1231% | 2,763 |
| Return on Equity (ROE) | 8.5120% | 2,713 |
| Retained earnings to average equity (ytd only) | -5.1666% | 6,580 |
| Net charge-offs to loans | -0.1074% | 7,183 |
| Credit loss provision to net charge-offs | -243.7500% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8793% | 3,954 |
| Assets per employee ($millions) | 2.9657% | 6,151 |
| Cash dividends to net income (ytd only)* | 160.6987% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,803 |
| Loan loss allowance to noncurrent loans | 209.1398% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 5,908 |
| Noncurrent loans to loans | 0.6483% | 5,626 |
| Net loans and leases to total assets | 44.3843% | 6,408 |
| Net loans and leases to deposits | 51.0264% | 6,532 |
| Net loans and leases to core deposits | 53.6324% | 6,584 |
| Total domestic deposits to total assets | 86.9831% | 2,746 |
| Equity capital to assets | 12.8240% | 1,611 |
| Core capital (leverage) ratio | 12.2860% | 1,459 |
| Tier 1 risk-based capital ratio | 22.0768% | 1,243 |
| Total risk-based capital ratio | 23.2084% | 1,234 |
| Memoranda: | ||
| Average total assets | $122,345,000 | 4,381 |
| Average earning assets | $116,834,670 | 4,255 |
| Average equity | $16,142,000 | 3,708 |
| Average total loans | $59,581,000 | 4,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 5,080 |
| Cost of funding earning assets | 0.6728% | 6,284 |
| Net interest margin | 3.8968% | 3,155 |
| Noninterest income to average assets | 0.6246% | 3,008 |
| Noninterest expense to average assets | 3.1431% | 3,098 |
| Loan and lease loss provision to assets | 0.1403% | 4,250 |
| Net operating income to assets | 1.0555% | 1,986 |
| Return on assets (ROA) | 1.0555% | 2,040 |
| Pretax return on assets | 1.0555% | 2,923 |
| Return on Equity (ROE) | 7.8823% | 2,969 |
| Retained earnings to average equity (ytd only) | -2.6939% | 6,251 |
| Net charge-offs to loans | 0.0725% | 4,216 |
| Credit loss provision to net charge-offs | 381.8182% | 867 |
| Earnings coverage of net charge-offs (x) | 32.5455% | 789 |
| Efficiency ratio | 72.4403% | 3,782 |
| Assets per employee ($millions) | 3.0050% | 6,131 |
| Cash dividends to net income (ytd only)* | 134.1772% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,791 |
| Loan loss allowance to noncurrent loans | 204.9853% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 6,017 |
| Noncurrent loans to loans | 0.5672% | 5,889 |
| Net loans and leases to total assets | 47.0843% | 6,182 |
| Net loans and leases to deposits | 53.9814% | 6,292 |
| Net loans and leases to core deposits | 56.7535% | 6,355 |
| Total domestic deposits to total assets | 87.2231% | 2,811 |
| Equity capital to assets | 12.6589% | 1,544 |
| Core capital (leverage) ratio | 13.1242% | 1,084 |
| Tier 1 risk-based capital ratio | 23.2503% | 1,056 |
| Total risk-based capital ratio | 24.2997% | 1,060 |
| Memoranda: | ||
| Average total assets | $119,754,000 | 4,488 |
| Average earning assets | $114,144,000 | 4,352 |
| Average equity | $16,036,000 | 3,723 |
| Average total loans | $60,681,500 | 4,978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2409% | 3,405 |
| Cost of funding earning assets | 0.8807% | 6,236 |
| Net interest margin | 4.3601% | 1,618 |
| Noninterest income to average assets | 0.6369% | 3,234 |
| Noninterest expense to average assets | 3.1898% | 3,134 |
| Loan and lease loss provision to assets | 0.1272% | 5,891 |
| Net operating income to assets | 1.4274% | 889 |
| Return on assets (ROA) | 1.4274% | 960 |
| Pretax return on assets | 1.4766% | 1,434 |
| Return on Equity (ROE) | 10.2147% | 1,852 |
| Retained earnings to average equity (ytd only) | 0.2124% | 5,464 |
| Net charge-offs to loans | 0.6170% | 3,185 |
| Credit loss provision to net charge-offs | 38.8601% | 6,407 |
| Earnings coverage of net charge-offs (x) | 4.8990% | 2,771 |
| Efficiency ratio | 66.5428% | 4,858 |
| Assets per employee ($millions) | 2.6975% | 6,690 |
| Cash dividends to net income (ytd only)* | 97.9204% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,978 |
| Loan loss allowance to noncurrent loans | 173.5065% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 5,864 |
| Noncurrent loans to loans | 0.6287% | 5,790 |
| Net loans and leases to total assets | 53.4617% | 5,705 |
| Net loans and leases to deposits | 62.4060% | 5,802 |
| Net loans and leases to core deposits | 65.8133% | 5,895 |
| Total domestic deposits to total assets | 85.6676% | 3,514 |
| Equity capital to assets | 14.2062% | 981 |
| Core capital (leverage) ratio | 13.1485% | 1,079 |
| Tier 1 risk-based capital ratio | 23.1255% | 1,021 |
| Total risk-based capital ratio | 24.1159% | 1,038 |
| Memoranda: | ||
| Average total assets | $117,906,800 | 4,528 |
| Average earning assets | $112,404,400 | 4,414 |
| Average equity | $16,476,200 | 3,673 |
| Average total loans | $62,564,800 | 4,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 3,168 |
| Cost of funding earning assets | 0.9077% | 6,369 |
| Net interest margin | 4.4316% | 1,420 |
| Noninterest income to average assets | 0.6450% | 3,152 |
| Noninterest expense to average assets | 3.2039% | 2,915 |
| Loan and lease loss provision to assets | 0.1176% | 5,854 |
| Net operating income to assets | 1.4995% | 927 |
| Return on assets (ROA) | 1.4995% | 1,003 |
| Pretax return on assets | 1.5499% | 1,477 |
| Return on Equity (ROE) | 10.7733% | 1,855 |
| Retained earnings to average equity (ytd only) | -2.4861% | 6,279 |
| Net charge-offs to loans | 0.8395% | 2,354 |
| Credit loss provision to net charge-offs | 26.5152% | 6,188 |
| Earnings coverage of net charge-offs (x) | 3.7601% | 3,308 |
| Efficiency ratio | 65.7701% | 4,910 |
| Assets per employee ($millions) | 2.7636% | 6,663 |
| Cash dividends to net income (ytd only)* | 123.0769% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 6,261 |
| Loan loss allowance to noncurrent loans | 152.1092% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,999 |
| Noncurrent loans to loans | 0.6781% | 5,848 |
| Net loans and leases to total assets | 49.4930% | 6,374 |
| Net loans and leases to deposits | 57.6753% | 6,486 |
| Net loans and leases to core deposits | 61.1294% | 6,530 |
| Total domestic deposits to total assets | 85.8131% | 3,175 |
| Equity capital to assets | 13.8848% | 1,204 |
| Core capital (leverage) ratio | 12.8087% | 1,293 |
| Tier 1 risk-based capital ratio | 19.2776% | 1,688 |
| Total risk-based capital ratio | 20.0526% | 1,763 |
| Memoranda: | ||
| Average total assets | $119,059,500 | 4,559 |
| Average earning assets | $113,544,750 | 4,443 |
| Average equity | $16,571,500 | 3,712 |
| Average total loans | $62,896,500 | 5,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 2,560 |
| Cost of funding earning assets | 0.9442% | 6,405 |
| Net interest margin | 4.5465% | 1,108 |
| Noninterest income to average assets | 0.6547% | 2,985 |
| Noninterest expense to average assets | 3.2098% | 2,868 |
| Loan and lease loss provision to assets | 0.1007% | 5,903 |
| Net operating income to assets | 1.6234% | 688 |
| Return on assets (ROA) | 1.6234% | 742 |
| Pretax return on assets | 1.6771% | 1,099 |
| Return on Equity (ROE) | 11.6539% | 1,542 |
| Retained earnings to average equity (ytd only) | -4.2542% | 6,470 |
| Net charge-offs to loans | 0.5027% | 3,026 |
| Credit loss provision to net charge-offs | 37.2671% | 5,647 |
| Earnings coverage of net charge-offs (x) | 6.5776% | 2,438 |
| Efficiency ratio | 64.3554% | 5,267 |
| Assets per employee ($millions) | 2.7376% | 6,717 |
| Cash dividends to net income (ytd only)* | 136.5047% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,976 |
| Loan loss allowance to noncurrent loans | 133.1675% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 5,624 |
| Noncurrent loans to loans | 0.9703% | 5,369 |
| Net loans and leases to total assets | 52.1132% | 6,199 |
| Net loans and leases to deposits | 60.7894% | 6,332 |
| Net loans and leases to core deposits | 62.3590% | 6,522 |
| Total domestic deposits to total assets | 85.7274% | 3,247 |
| Equity capital to assets | 14.0551% | 1,143 |
| Core capital (leverage) ratio | 12.5077% | 1,406 |
| Tier 1 risk-based capital ratio | 20.3120% | 1,462 |
| Total risk-based capital ratio | 21.3847% | 1,460 |
| Memoranda: | ||
| Average total assets | $119,134,330 | 4,591 |
| Average earning assets | $113,538,000 | 4,461 |
| Average equity | $16,595,330 | 3,703 |
| Average total loans | $64,052,670 | 5,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 2,235 |
| Cost of funding earning assets | 0.9682% | 6,512 |
| Net interest margin | 4.6140% | 924 |
| Noninterest income to average assets | 0.6275% | 3,104 |
| Noninterest expense to average assets | 3.1808% | 2,936 |
| Loan and lease loss provision to assets | 0.0501% | 6,160 |
| Net operating income to assets | 1.7389% | 562 |
| Return on assets (ROA) | 1.7389% | 618 |
| Pretax return on assets | 1.8023% | 874 |
| Return on Equity (ROE) | 12.5387% | 1,366 |
| Retained earnings to average equity (ytd only) | 0.6017% | 5,582 |
| Net charge-offs to loans | 0.9415% | 1,714 |
| Credit loss provision to net charge-offs | 9.8039% | 5,048 |
| Earnings coverage of net charge-offs (x) | 3.6275% | 2,848 |
| Efficiency ratio | 63.1963% | 5,625 |
| Assets per employee ($millions) | 2.7623% | 6,725 |
| Cash dividends to net income (ytd only)* | 95.2015% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 5,560 |
| Loan loss allowance to noncurrent loans | 73.0916% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 5,395 |
| Noncurrent loans to loans | 1.6250% | 4,310 |
| Net loans and leases to total assets | 53.6517% | 6,073 |
| Net loans and leases to deposits | 62.5042% | 6,231 |
| Net loans and leases to core deposits | 64.6499% | 6,406 |
| Total domestic deposits to total assets | 85.8370% | 3,238 |
| Equity capital to assets | 14.0292% | 1,131 |
| Core capital (leverage) ratio | 13.2443% | 1,142 |
| Tier 1 risk-based capital ratio | 20.4298% | 1,441 |
| Total risk-based capital ratio | 21.4341% | 1,456 |
| Memoranda: | ||
| Average total assets | $119,844,000 | 4,631 |
| Average earning assets | $114,435,500 | 4,507 |
| Average equity | $16,620,500 | 3,733 |
| Average total loans | $65,005,000 | 5,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9728% | 1,972 |
| Cost of funding earning assets | 1.2112% | 6,621 |
| Net interest margin | 4.7616% | 752 |
| Noninterest income to average assets | 0.6868% | 3,050 |
| Noninterest expense to average assets | 3.0400% | 3,992 |
| Loan and lease loss provision to assets | 0.4449% | 4,160 |
| Net operating income to assets | 1.6365% | 500 |
| Return on assets (ROA) | 1.6365% | 530 |
| Pretax return on assets | 1.7336% | 724 |
| Return on Equity (ROE) | 12.1315% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.4332% | 4,063 |
| Net charge-offs to loans | 0.6848% | 3,133 |
| Credit loss provision to net charge-offs | 125.5708% | 4,162 |
| Earnings coverage of net charge-offs (x) | 6.1484% | 2,428 |
| Efficiency ratio | 58.2545% | 6,725 |
| Assets per employee ($millions) | 2.8118% | 6,639 |
| Cash dividends to net income (ytd only)* | 88.1859% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 4,340 |
| Loan loss allowance to noncurrent loans | 74.5875% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 5,106 |
| Noncurrent loans to loans | 1.8499% | 3,864 |
| Net loans and leases to total assets | 53.4394% | 6,255 |
| Net loans and leases to deposits | 62.9195% | 6,370 |
| Net loans and leases to core deposits | 72.3433% | 6,632 |
| Total domestic deposits to total assets | 84.9330% | 3,583 |
| Equity capital to assets | 13.7105% | 1,250 |
| Core capital (leverage) ratio | 12.6061% | 1,402 |
| Tier 1 risk-based capital ratio | 19.6725% | 1,529 |
| Total risk-based capital ratio | 20.8157% | 1,507 |
| Memoranda: | ||
| Average total assets | $123,617,600 | 4,480 |
| Average earning assets | $117,649,800 | 4,366 |
| Average equity | $16,675,600 | 3,740 |
| Average total loans | $63,958,400 | 5,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0719% | 1,756 |
| Cost of funding earning assets | 1.2498% | 6,730 |
| Net interest margin | 4.8221% | 658 |
| Noninterest income to average assets | 0.6973% | 3,032 |
| Noninterest expense to average assets | 3.0336% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2054% | 178 |
| Return on assets (ROA) | 2.2054% | 197 |
| Pretax return on assets | 2.2537% | 312 |
| Return on Equity (ROE) | 16.4145% | 606 |
| Retained earnings to average equity (ytd only) | 2.1716% | 4,111 |
| Net charge-offs to loans | 0.1237% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 35.6123% | 817 |
| Efficiency ratio | 57.3747% | 6,809 |
| Assets per employee ($millions) | 2.9411% | 6,302 |
| Cash dividends to net income (ytd only)* | 86.7707% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,393 |
| Loan loss allowance to noncurrent loans | 236.4516% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,904 |
| Noncurrent loans to loans | 0.4881% | 6,342 |
| Net loans and leases to total assets | 49.6406% | 6,805 |
| Net loans and leases to deposits | 57.5373% | 6,995 |
| Net loans and leases to core deposits | 66.2981% | 7,147 |
| Total domestic deposits to total assets | 86.2755% | 2,556 |
| Equity capital to assets | 13.4225% | 1,528 |
| Core capital (leverage) ratio | 12.5413% | 1,564 |
| Tier 1 risk-based capital ratio | 20.6305% | 1,435 |
| Total risk-based capital ratio | 21.6006% | 1,443 |
| Memoranda: | ||
| Average total assets | $124,295,250 | 4,492 |
| Average earning assets | $118,313,000 | 4,375 |
| Average equity | $16,700,250 | 3,768 |
| Average total loans | $63,569,000 | 5,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3056% | 1,196 |
| Cost of funding earning assets | 1.2958% | 6,823 |
| Net interest margin | 5.0097% | 422 |
| Noninterest income to average assets | 0.6571% | 3,289 |
| Noninterest expense to average assets | 3.0816% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2950% | 162 |
| Return on assets (ROA) | 2.2950% | 180 |
| Pretax return on assets | 2.3436% | 278 |
| Return on Equity (ROE) | 17.0754% | 571 |
| Retained earnings to average equity (ytd only) | 0.7948% | 4,871 |
| Net charge-offs to loans | 0.1321% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 34.4762% | 906 |
| Efficiency ratio | 56.8019% | 7,014 |
| Assets per employee ($millions) | 2.9113% | 6,356 |
| Cash dividends to net income (ytd only)* | 95.3456% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,124 |
| Loan loss allowance to noncurrent loans | 225.9036% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,762 |
| Noncurrent loans to loans | 0.5196% | 6,232 |
| Net loans and leases to total assets | 51.6463% | 6,725 |
| Net loans and leases to deposits | 59.8457% | 6,902 |
| Net loans and leases to core deposits | 69.7293% | 7,032 |
| Total domestic deposits to total assets | 86.2990% | 2,626 |
| Equity capital to assets | 13.4229% | 1,520 |
| Core capital (leverage) ratio | 12.8211% | 1,491 |
| Tier 1 risk-based capital ratio | 19.4357% | 1,692 |
| Total risk-based capital ratio | 20.3834% | 1,706 |
| Memoranda: | ||
| Average total assets | $123,571,330 | 4,542 |
| Average earning assets | $117,610,670 | 4,427 |
| Average equity | $16,608,670 | 3,791 |
| Average total loans | $63,588,000 | 5,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3739% | 1,124 |
| Cost of funding earning assets | 1.3675% | 6,826 |
| Net interest margin | 5.0063% | 396 |
| Noninterest income to average assets | 0.5989% | 3,559 |
| Noninterest expense to average assets | 3.1461% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1671% | 247 |
| Return on assets (ROA) | 2.1671% | 287 |
| Pretax return on assets | 2.2154% | 430 |
| Return on Equity (ROE) | 16.1135% | 803 |
| Retained earnings to average equity (ytd only) | 3.8548% | 3,747 |
| Net charge-offs to loans | 0.2144% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.2353% | 1,385 |
| Efficiency ratio | 58.6787% | 6,596 |
| Assets per employee ($millions) | 3.0730% | 5,966 |
| Cash dividends to net income (ytd only)* | 76.0773% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 4,892 |
| Loan loss allowance to noncurrent loans | 214.1243% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 6,579 |
| Noncurrent loans to loans | 0.5537% | 6,030 |
| Net loans and leases to total assets | 51.4005% | 6,743 |
| Net loans and leases to deposits | 59.7157% | 6,915 |
| Net loans and leases to core deposits | 67.9512% | 7,136 |
| Total domestic deposits to total assets | 86.0754% | 2,669 |
| Equity capital to assets | 13.7481% | 1,443 |
| Core capital (leverage) ratio | 12.8875% | 1,524 |
| Tier 1 risk-based capital ratio | 18.1349% | 2,019 |
| Total risk-based capital ratio | 19.0232% | 2,056 |
| Memoranda: | ||
| Average total assets | $124,219,000 | 4,536 |
| Average earning assets | $118,170,000 | 4,427 |
| Average equity | $16,706,500 | 3,791 |
| Average total loans | $63,431,500 | 5,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7177% | 1,963 |
| Cost of funding earning assets | 2.0360% | 6,296 |
| Net interest margin | 4.6816% | 1,006 |
| Noninterest income to average assets | 0.8101% | 2,462 |
| Noninterest expense to average assets | 2.8936% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.3069% | 192 |
| Return on assets (ROA) | 2.3069% | 185 |
| Pretax return on assets | 2.3353% | 280 |
| Return on Equity (ROE) | 18.9188% | 456 |
| Retained earnings to average equity (ytd only) | 6.7639% | 1,235 |
| Net charge-offs to loans | 0.2036% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.9920% | 1,436 |
| Efficiency ratio | 55.3380% | 7,105 |
| Assets per employee ($millions) | 3.0614% | 5,890 |
| Cash dividends to net income (ytd only)* | 64.2480% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,060 |
| Loan loss allowance to noncurrent loans | 198.4962% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 6,093 |
| Noncurrent loans to loans | 0.6341% | 5,469 |
| Net loans and leases to total assets | 49.5001% | 7,070 |
| Net loans and leases to deposits | 63.3509% | 6,853 |
| Net loans and leases to core deposits | 72.4267% | 7,054 |
| Total domestic deposits to total assets | 78.1364% | 5,669 |
| Equity capital to assets | 13.1566% | 1,726 |
| Core capital (leverage) ratio | 12.6110% | 1,704 |
| Tier 1 risk-based capital ratio | 19.3013% | 1,749 |
| Total risk-based capital ratio | 20.2994% | 1,760 |
| Memoranda: | ||
| Average total assets | $123,065,800 | 4,443 |
| Average earning assets | $116,156,400 | 4,359 |
| Average equity | $15,006,200 | 4,142 |
| Average total loans | $61,400,800 | 5,204 |