Home > First Community Bank of Central Alabama > Performance and Condition Ratios
First Community Bank of Central Alabama, 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 | 5.1547% | 1,753 |
| Cost of funding earning assets | 0.8070% | 3,710 |
| Net interest margin | 4.3477% | 751 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.4111% | 2,555 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.1805% | 354 |
| Return on assets (ROA) | 2.1774% | 346 |
| Pretax return on assets | 2.3218% | 421 |
| Return on Equity (ROE) | 50.4000% | 51 |
| Retained earnings to average equity (ytd only) | 18.0125% | 192 |
| Net charge-offs to loans | -0.0152% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.7155% | 4,000 |
| Assets per employee ($millions) | 6.4928% | 2,420 |
| Cash dividends to net income (ytd only)* | 64.2605% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 436 |
| Loan loss allowance to noncurrent loans | 1,250.4554% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 2,828 |
| Noncurrent loans to loans | 0.1536% | 2,746 |
| Net loans and leases to total assets | 59.3300% | 2,902 |
| Net loans and leases to deposits | 63.0008% | 3,347 |
| Net loans and leases to core deposits | 69.2667% | 3,346 |
| Total domestic deposits to total assets | 94.1800% | 96 |
| Equity capital to assets | 4.9353% | 4,424 |
| Core capital (leverage) ratio | 8.6595% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8153% | 2,625 |
| Memoranda: | ||
| Average total assets | $572,609,200 | 1,543 |
| Average earning assets | $547,090,200 | 1,501 |
| Average equity | $24,738,400 | 2,535 |
| Average total loans | $341,050,800 | 1,642 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 1,749 |
| Cost of funding earning assets | 0.7096% | 3,745 |
| Net interest margin | 4.3322% | 771 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.4129% | 2,485 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.2307% | 359 |
| Return on assets (ROA) | 2.2265% | 356 |
| Pretax return on assets | 2.3699% | 442 |
| Return on Equity (ROE) | 53.5100% | 65 |
| Retained earnings to average equity (ytd only) | 20.2114% | 251 |
| Net charge-offs to loans | -0.0269% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.4397% | 3,953 |
| Assets per employee ($millions) | 6.2322% | 2,541 |
| Cash dividends to net income (ytd only)* | 62.2285% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 492 |
| Loan loss allowance to noncurrent loans | 495.7367% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,933 |
| Noncurrent loans to loans | 0.3794% | 1,878 |
| Net loans and leases to total assets | 60.3000% | 2,813 |
| Net loans and leases to deposits | 63.4974% | 3,293 |
| Net loans and leases to core deposits | 69.0335% | 3,268 |
| Total domestic deposits to total assets | 94.9600% | 125 |
| Equity capital to assets | 4.0948% | 4,395 |
| Core capital (leverage) ratio | 8.6932% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9441% | 2,627 |
| Memoranda: | ||
| Average total assets | $568,054,500 | 1,561 |
| Average earning assets | $542,441,000 | 1,517 |
| Average equity | $23,636,250 | 2,589 |
| Average total loans | $336,955,000 | 1,656 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 1,719 |
| Cost of funding earning assets | 0.5841% | 3,792 |
| Net interest margin | 4.3345% | 767 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3787% | 2,562 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.3020% | 306 |
| Return on assets (ROA) | 2.2957% | 301 |
| Pretax return on assets | 2.4408% | 382 |
| Return on Equity (ROE) | 54.8800% | 57 |
| Retained earnings to average equity (ytd only) | 22.4408% | 177 |
| Net charge-offs to loans | -0.0536% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.2277% | 4,048 |
| Assets per employee ($millions) | 6.2191% | 2,528 |
| Cash dividends to net income (ytd only)* | 59.1077% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 490 |
| Loan loss allowance to noncurrent loans | 780.0000% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,265 |
| Noncurrent loans to loans | 0.2444% | 2,280 |
| Net loans and leases to total assets | 59.5800% | 2,813 |
| Net loans and leases to deposits | 62.8839% | 3,260 |
| Net loans and leases to core deposits | 67.5712% | 3,257 |
| Total domestic deposits to total assets | 94.7400% | 107 |
| Equity capital to assets | 4.3924% | 4,458 |
| Core capital (leverage) ratio | 8.7579% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8795% | 2,663 |
| Memoranda: | ||
| Average total assets | $566,284,000 | 1,566 |
| Average earning assets | $541,009,667 | 1,524 |
| Average equity | $23,689,000 | 2,586 |
| Average total loans | $331,820,667 | 1,665 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 1,596 |
| Cost of funding earning assets | 0.5113% | 3,650 |
| Net interest margin | 4.3001% | 806 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.4764% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3875% | 284 |
| Return on assets (ROA) | 2.3875% | 279 |
| Pretax return on assets | 2.5252% | 345 |
| Return on Equity (ROE) | 58.5300% | 60 |
| Retained earnings to average equity (ytd only) | 26.0902% | 157 |
| Net charge-offs to loans | -0.0565% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5129% | 3,980 |
| Assets per employee ($millions) | 6.3217% | 2,480 |
| Cash dividends to net income (ytd only)* | 55.4274% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 570 |
| Loan loss allowance to noncurrent loans | 654.5168% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,121 |
| Noncurrent loans to loans | 0.2858% | 2,123 |
| Net loans and leases to total assets | 57.4500% | 2,915 |
| Net loans and leases to deposits | 60.5400% | 3,299 |
| Net loans and leases to core deposits | 63.7886% | 3,360 |
| Total domestic deposits to total assets | 94.9000% | 98 |
| Equity capital to assets | 4.3614% | 4,516 |
| Core capital (leverage) ratio | 8.3937% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9252% | 2,746 |
| Memoranda: | ||
| Average total assets | $566,457,000 | 1,584 |
| Average earning assets | $540,551,000 | 1,537 |
| Average equity | $23,104,500 | 2,643 |
| Average total loans | $325,874,000 | 1,701 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 1,945 |
| Cost of funding earning assets | 0.2645% | 2,552 |
| Net interest margin | 3.4708% | 1,746 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.2701% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7454% | 478 |
| Return on assets (ROA) | 1.7406% | 470 |
| Pretax return on assets | 1.8416% | 670 |
| Return on Equity (ROE) | 36.2800% | 56 |
| Retained earnings to average equity (ytd only) | 13.7817% | 497 |
| Net charge-offs to loans | -0.0219% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1422% | 3,703 |
| Assets per employee ($millions) | 6.7408% | 2,136 |
| Cash dividends to net income (ytd only)* | 62.0087% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 464 |
| Loan loss allowance to noncurrent loans | 737.3984% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 2,372 |
| Noncurrent loans to loans | 0.2779% | 2,262 |
| Net loans and leases to total assets | 55.5900% | 2,945 |
| Net loans and leases to deposits | 57.9031% | 3,349 |
| Net loans and leases to core deposits | 60.5079% | 3,347 |
| Total domestic deposits to total assets | 96.0000% | 134 |
| Equity capital to assets | 3.3437% | 4,562 |
| Core capital (leverage) ratio | 8.3112% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1467% | 2,773 |
| Memoranda: | ||
| Average total assets | $547,622,250 | 1,624 |
| Average earning assets | $524,826,000 | 1,580 |
| Average equity | $26,275,750 | 2,555 |
| Average total loans | $279,863,500 | 1,808 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 2,146 |
| Cost of funding earning assets | 0.2626% | 2,114 |
| Net interest margin | 3.2362% | 2,087 |
| Noninterest income to average assets | 0.8428% | 961 |
| Noninterest expense to average assets | 2.2596% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5962% | 551 |
| Return on assets (ROA) | 1.5952% | 540 |
| Pretax return on assets | 1.6937% | 765 |
| Return on Equity (ROE) | 30.2052% | 56 |
| Retained earnings to average equity (ytd only) | 10.8606% | 806 |
| Net charge-offs to loans | -0.0415% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1415% | 3,666 |
| Assets per employee ($millions) | 6.6793% | 2,188 |
| Cash dividends to net income (ytd only)* | 64.0439% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 382 |
| Loan loss allowance to noncurrent loans | 775.4878% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,462 |
| Noncurrent loans to loans | 0.2846% | 2,325 |
| Net loans and leases to total assets | 52.0861% | 3,146 |
| Net loans and leases to deposits | 54.1322% | 3,529 |
| Net loans and leases to core deposits | 56.5985% | 3,519 |
| Total domestic deposits to total assets | 96.2201% | 75 |
| Equity capital to assets | 3.1339% | 4,683 |
| Core capital (leverage) ratio | 8.3126% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8632% | 2,844 |
| Memoranda: | ||
| Average total assets | $548,161,333 | 1,631 |
| Average earning assets | $527,030,000 | 1,593 |
| Average equity | $28,948,667 | 2,467 |
| Average total loans | $269,863,000 | 1,849 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 2,394 |
| Cost of funding earning assets | 0.2718% | 1,910 |
| Net interest margin | 3.0257% | 2,420 |
| Noninterest income to average assets | 0.8533% | 921 |
| Noninterest expense to average assets | 2.3236% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3447% | 911 |
| Return on assets (ROA) | 1.3427% | 903 |
| Pretax return on assets | 1.4406% | 1,150 |
| Return on Equity (ROE) | 21.1987% | 190 |
| Retained earnings to average equity (ytd only) | 7.8408% | 1,630 |
| Net charge-offs to loans | -0.0230% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6939% | 3,304 |
| Assets per employee ($millions) | 5.7965% | 3,002 |
| Cash dividends to net income (ytd only)* | 63.0130% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 337 |
| Loan loss allowance to noncurrent loans | 2,497.2332% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,253 |
| Noncurrent loans to loans | 0.0946% | 3,369 |
| Net loans and leases to total assets | 48.4474% | 3,336 |
| Net loans and leases to deposits | 51.5029% | 3,606 |
| Net loans and leases to core deposits | 53.9624% | 3,594 |
| Total domestic deposits to total assets | 94.0674% | 109 |
| Equity capital to assets | 5.4421% | 4,670 |
| Core capital (leverage) ratio | 7.8721% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3900% | 2,810 |
| Memoranda: | ||
| Average total assets | $551,731,000 | 1,628 |
| Average earning assets | $531,180,500 | 1,584 |
| Average equity | $34,945,500 | 2,256 |
| Average total loans | $260,716,500 | 1,883 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 2,821 |
| Cost of funding earning assets | 0.3249% | 2,163 |
| Net interest margin | 3.1172% | 2,851 |
| Noninterest income to average assets | 0.8558% | 1,313 |
| Noninterest expense to average assets | 2.1452% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6100% | 777 |
| Return on assets (ROA) | 1.6075% | 824 |
| Pretax return on assets | 1.7079% | 1,126 |
| Return on Equity (ROE) | 20.5562% | 281 |
| Retained earnings to average equity (ytd only) | 9.6795% | 998 |
| Net charge-offs to loans | 0.0020% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,765.0000% | 81 |
| Efficiency ratio | 55.6354% | 3,742 |
| Assets per employee ($millions) | 6.4872% | 2,343 |
| Cash dividends to net income (ytd only)* | 52.9121% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4820% | 286 |
| Loan loss allowance to noncurrent loans | 2,443.0233% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,390 |
| Noncurrent loans to loans | 0.1016% | 3,422 |
| Net loans and leases to total assets | 43.8784% | 3,845 |
| Net loans and leases to deposits | 47.4953% | 4,023 |
| Net loans and leases to core deposits | 49.7422% | 4,024 |
| Total domestic deposits to total assets | 92.3847% | 106 |
| Equity capital to assets | 7.1855% | 4,683 |
| Core capital (leverage) ratio | 8.0413% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2454% | 3,020 |
| Memoranda: | ||
| Average total assets | $515,903,400 | 1,660 |
| Average earning assets | $496,510,600 | 1,617 |
| Average equity | $40,343,000 | 2,074 |
| Average total loans | $253,250,200 | 1,913 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 2,682 |
| Cost of funding earning assets | 0.3309% | 2,289 |
| Net interest margin | 3.2243% | 2,653 |
| Noninterest income to average assets | 0.8948% | 1,270 |
| Noninterest expense to average assets | 2.1990% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6851% | 858 |
| Return on assets (ROA) | 1.6816% | 907 |
| Pretax return on assets | 1.7888% | 1,186 |
| Return on Equity (ROE) | 21.0269% | 357 |
| Retained earnings to average equity (ytd only) | 9.9145% | 1,350 |
| Net charge-offs to loans | -0.0047% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0922% | 3,645 |
| Assets per employee ($millions) | 6.5948% | 2,184 |
| Cash dividends to net income (ytd only)* | 52.8486% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4851% | 294 |
| Loan loss allowance to noncurrent loans | 1,880.0595% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 3,341 |
| Noncurrent loans to loans | 0.1322% | 3,448 |
| Net loans and leases to total assets | 47.5774% | 3,665 |
| Net loans and leases to deposits | 52.0806% | 3,878 |
| Net loans and leases to core deposits | 54.7136% | 3,868 |
| Total domestic deposits to total assets | 91.3534% | 272 |
| Equity capital to assets | 8.0412% | 4,502 |
| Core capital (leverage) ratio | 8.0531% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1526% | 2,934 |
| Memoranda: | ||
| Average total assets | $503,782,000 | 1,706 |
| Average earning assets | $483,852,250 | 1,664 |
| Average equity | $40,290,250 | 2,099 |
| Average total loans | $253,075,750 | 1,943 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 2,801 |
| Cost of funding earning assets | 0.3374% | 2,429 |
| Net interest margin | 3.2013% | 2,752 |
| Noninterest income to average assets | 0.8630% | 1,369 |
| Noninterest expense to average assets | 2.1508% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6747% | 911 |
| Return on assets (ROA) | 1.6709% | 971 |
| Pretax return on assets | 1.7794% | 1,281 |
| Return on Equity (ROE) | 20.9329% | 384 |
| Retained earnings to average equity (ytd only) | 9.9055% | 1,423 |
| Net charge-offs to loans | -0.0040% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6698% | 3,721 |
| Assets per employee ($millions) | 5.9749% | 2,639 |
| Cash dividends to net income (ytd only)* | 52.6796% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4840% | 282 |
| Loan loss allowance to noncurrent loans | 1,558.7654% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,492 |
| Noncurrent loans to loans | 0.1594% | 3,417 |
| Net loans and leases to total assets | 48.2317% | 3,706 |
| Net loans and leases to deposits | 52.6444% | 3,956 |
| Net loans and leases to core deposits | 55.3730% | 3,934 |
| Total domestic deposits to total assets | 91.6178% | 215 |
| Equity capital to assets | 7.8153% | 4,625 |
| Core capital (leverage) ratio | 8.0659% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8360% | 2,988 |
| Memoranda: | ||
| Average total assets | $498,046,333 | 1,719 |
| Average earning assets | $477,806,667 | 1,676 |
| Average equity | $39,755,667 | 2,109 |
| Average total loans | $252,704,333 | 1,950 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 2,778 |
| Cost of funding earning assets | 0.3496% | 2,521 |
| Net interest margin | 3.2034% | 2,687 |
| Noninterest income to average assets | 0.8871% | 1,364 |
| Noninterest expense to average assets | 2.0875% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7479% | 862 |
| Return on assets (ROA) | 1.7456% | 925 |
| Pretax return on assets | 1.8558% | 1,185 |
| Return on Equity (ROE) | 21.6309% | 423 |
| Retained earnings to average equity (ytd only) | 9.8295% | 1,702 |
| Net charge-offs to loans | -0.0222% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9059% | 3,926 |
| Assets per employee ($millions) | 5.9571% | 2,645 |
| Cash dividends to net income (ytd only)* | 54.5582% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5285% | 248 |
| Loan loss allowance to noncurrent loans | 886.6760% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,473 |
| Noncurrent loans to loans | 0.2852% | 3,082 |
| Net loans and leases to total assets | 48.1294% | 3,805 |
| Net loans and leases to deposits | 52.4157% | 4,026 |
| Net loans and leases to core deposits | 55.2148% | 4,031 |
| Total domestic deposits to total assets | 91.8225% | 182 |
| Equity capital to assets | 7.6269% | 4,663 |
| Core capital (leverage) ratio | 8.0400% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1778% | 2,894 |
| Memoranda: | ||
| Average total assets | $490,149,000 | 1,727 |
| Average earning assets | $468,003,000 | 1,689 |
| Average equity | $39,554,500 | 2,105 |
| Average total loans | $251,983,000 | 1,951 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,183 |
| Cost of funding earning assets | 0.5445% | 2,641 |
| Net interest margin | 3.6404% | 2,009 |
| Noninterest income to average assets | 0.9975% | 1,041 |
| Noninterest expense to average assets | 2.2784% | 3,470 |
| Loan and lease loss provision to assets | 0.1192% | 2,874 |
| Net operating income to assets | 1.9247% | 303 |
| Return on assets (ROA) | 1.9281% | 324 |
| Pretax return on assets | 2.0462% | 413 |
| Return on Equity (ROE) | 23.6283% | 129 |
| Retained earnings to average equity (ytd only) | 17.8109% | 92 |
| Net charge-offs to loans | 0.0900% | 1,555 |
| Credit loss provision to net charge-offs | 222.4576% | 2,053 |
| Earnings coverage of net charge-offs (x) | 40.3475% | 1,385 |
| Efficiency ratio | 51.3140% | 4,437 |
| Assets per employee ($millions) | 5.7102% | 2,614 |
| Cash dividends to net income (ytd only)* | 24.6203% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4841% | 270 |
| Loan loss allowance to noncurrent loans | 611.2403% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 2,970 |
| Noncurrent loans to loans | 0.4064% | 2,758 |
| Net loans and leases to total assets | 52.2490% | 3,643 |
| Net loans and leases to deposits | 57.4605% | 3,919 |
| Net loans and leases to core deposits | 60.8295% | 3,897 |
| Total domestic deposits to total assets | 90.9304% | 243 |
| Equity capital to assets | 8.5432% | 4,418 |
| Core capital (leverage) ratio | 8.0977% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7372% | 2,717 |
| Memoranda: | ||
| Average total assets | $440,481,600 | 1,735 |
| Average earning assets | $416,545,200 | 1,709 |
| Average equity | $35,944,200 | 2,179 |
| Average total loans | $262,205,400 | 1,858 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,178 |
| Cost of funding earning assets | 0.5914% | 2,670 |
| Net interest margin | 3.6826% | 2,003 |
| Noninterest income to average assets | 1.0525% | 940 |
| Noninterest expense to average assets | 2.3003% | 3,423 |
| Loan and lease loss provision to assets | 0.0849% | 3,249 |
| Net operating income to assets | 2.0258% | 280 |
| Return on assets (ROA) | 2.0290% | 300 |
| Pretax return on assets | 2.1540% | 372 |
| Return on Equity (ROE) | 25.1892% | 112 |
| Retained earnings to average equity (ytd only) | 20.7382% | 76 |
| Net charge-offs to loans | 0.0161% | 2,556 |
| Credit loss provision to net charge-offs | 859.3750% | 929 |
| Earnings coverage of net charge-offs (x) | 226.4063% | 455 |
| Efficiency ratio | 50.7143% | 4,446 |
| Assets per employee ($millions) | 5.8090% | 2,438 |
| Cash dividends to net income (ytd only)* | 17.6703% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 282 |
| Loan loss allowance to noncurrent loans | 763.6585% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,313 |
| Noncurrent loans to loans | 0.3082% | 3,176 |
| Net loans and leases to total assets | 55.2123% | 3,686 |
| Net loans and leases to deposits | 62.7880% | 3,883 |
| Net loans and leases to core deposits | 66.7730% | 3,844 |
| Total domestic deposits to total assets | 87.9346% | 1,240 |
| Equity capital to assets | 8.3413% | 4,551 |
| Core capital (leverage) ratio | 8.1060% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5361% | 2,780 |
| Memoranda: | ||
| Average total assets | $432,116,000 | 1,734 |
| Average earning assets | $408,720,750 | 1,712 |
| Average equity | $34,807,750 | 2,234 |
| Average total loans | $264,272,000 | 1,842 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 2,226 |
| Cost of funding earning assets | 0.6381% | 2,767 |
| Net interest margin | 3.7560% | 1,969 |
| Noninterest income to average assets | 1.1528% | 750 |
| Noninterest expense to average assets | 2.4354% | 3,154 |
| Loan and lease loss provision to assets | 0.1073% | 2,935 |
| Net operating income to assets | 2.0274% | 314 |
| Return on assets (ROA) | 2.0324% | 346 |
| Pretax return on assets | 2.1612% | 387 |
| Return on Equity (ROE) | 25.5703% | 105 |
| Retained earnings to average equity (ytd only) | 18.5972% | 112 |
| Net charge-offs to loans | 0.0129% | 2,506 |
| Credit loss provision to net charge-offs | 1,323.5294% | 660 |
| Earnings coverage of net charge-offs (x) | 279.1176% | 338 |
| Efficiency ratio | 51.8323% | 4,365 |
| Assets per employee ($millions) | 5.7985% | 2,376 |
| Cash dividends to net income (ytd only)* | 27.2706% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2992% | 288 |
| Loan loss allowance to noncurrent loans | 544.7069% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 2,947 |
| Noncurrent loans to loans | 0.4221% | 2,896 |
| Net loans and leases to total assets | 57.0327% | 3,603 |
| Net loans and leases to deposits | 64.6557% | 3,835 |
| Net loans and leases to core deposits | 69.1226% | 3,772 |
| Total domestic deposits to total assets | 88.2099% | 1,081 |
| Equity capital to assets | 7.9988% | 4,718 |
| Core capital (leverage) ratio | 8.0699% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6370% | 3,059 |
| Memoranda: | ||
| Average total assets | $419,312,333 | 1,754 |
| Average earning assets | $395,850,667 | 1,728 |
| Average equity | $33,327,667 | 2,305 |
| Average total loans | $263,679,000 | 1,829 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 1,795 |
| Cost of funding earning assets | 0.6959% | 2,952 |
| Net interest margin | 3.9782% | 1,447 |
| Noninterest income to average assets | 1.4105% | 449 |
| Noninterest expense to average assets | 2.5036% | 3,260 |
| Loan and lease loss provision to assets | 0.1259% | 2,130 |
| Net operating income to assets | 2.4230% | 123 |
| Return on assets (ROA) | 2.4230% | 133 |
| Pretax return on assets | 2.5590% | 149 |
| Return on Equity (ROE) | 30.5989% | 34 |
| Retained earnings to average equity (ytd only) | 15.8148% | 154 |
| Net charge-offs to loans | 0.1246% | 962 |
| Credit loss provision to net charge-offs | 154.3210% | 1,572 |
| Earnings coverage of net charge-offs (x) | 32.9012% | 1,120 |
| Efficiency ratio | 48.2524% | 4,743 |
| Assets per employee ($millions) | 4.8715% | 2,787 |
| Cash dividends to net income (ytd only)* | 48.3160% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 320 |
| Loan loss allowance to noncurrent loans | 840.9154% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 2,922 |
| Noncurrent loans to loans | 0.2754% | 3,506 |
| Net loans and leases to total assets | 64.0168% | 3,067 |
| Net loans and leases to deposits | 70.2521% | 3,570 |
| Net loans and leases to core deposits | 75.9797% | 3,495 |
| Total domestic deposits to total assets | 91.1243% | 98 |
| Equity capital to assets | 7.9565% | 4,979 |
| Core capital (leverage) ratio | 8.0444% | 4,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5103% | 3,225 |
| Memoranda: | ||
| Average total assets | $397,028,000 | 1,778 |
| Average earning assets | $377,058,500 | 1,754 |
| Average equity | $31,439,000 | 2,380 |
| Average total loans | $260,123,500 | 1,809 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 2,001 |
| Cost of funding earning assets | 0.6686% | 3,321 |
| Net interest margin | 4.1451% | 1,439 |
| Noninterest income to average assets | 0.9854% | 1,005 |
| Noninterest expense to average assets | 2.5085% | 3,429 |
| Loan and lease loss provision to assets | 0.1640% | 1,271 |
| Net operating income to assets | 2.1191% | 262 |
| Return on assets (ROA) | 2.1223% | 273 |
| Pretax return on assets | 2.2522% | 345 |
| Return on Equity (ROE) | 27.4763% | 52 |
| Retained earnings to average equity (ytd only) | 4.5205% | 2,695 |
| Net charge-offs to loans | 0.0820% | 1,945 |
| Credit loss provision to net charge-offs | 299.0431% | 935 |
| Earnings coverage of net charge-offs (x) | 44.0048% | 1,229 |
| Efficiency ratio | 50.9729% | 4,674 |
| Assets per employee ($millions) | 4.8715% | 2,751 |
| Cash dividends to net income (ytd only)* | 83.5476% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 272 |
| Loan loss allowance to noncurrent loans | 779.6632% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 3,087 |
| Noncurrent loans to loans | 0.2987% | 3,359 |
| Net loans and leases to total assets | 63.9752% | 3,199 |
| Net loans and leases to deposits | 70.1556% | 3,656 |
| Net loans and leases to core deposits | 76.7423% | 3,531 |
| Total domestic deposits to total assets | 91.1905% | 94 |
| Equity capital to assets | 7.8802% | 5,070 |
| Core capital (leverage) ratio | 8.1253% | 4,999 |
| Tier 1 risk-based capital ratio | 10.2931% | 5,074 |
| Total risk-based capital ratio | 11.5525% | 5,010 |
| Memoranda: | ||
| Average total assets | $381,182,400 | 1,799 |
| Average earning assets | $361,942,600 | 1,775 |
| Average equity | $29,443,600 | 2,426 |
| Average total loans | $254,937,400 | 1,801 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 1,937 |
| Cost of funding earning assets | 0.6580% | 3,410 |
| Net interest margin | 4.2038% | 1,372 |
| Noninterest income to average assets | 0.9863% | 963 |
| Noninterest expense to average assets | 2.4515% | 3,563 |
| Loan and lease loss provision to assets | 0.1412% | 1,366 |
| Net operating income to assets | 2.2394% | 255 |
| Return on assets (ROA) | 2.2450% | 263 |
| Pretax return on assets | 2.3880% | 312 |
| Return on Equity (ROE) | 29.2188% | 44 |
| Retained earnings to average equity (ytd only) | 5.4332% | 2,655 |
| Net charge-offs to loans | 0.0383% | 2,323 |
| Credit loss provision to net charge-offs | 547.9452% | 588 |
| Earnings coverage of net charge-offs (x) | 97.9462% | 763 |
| Efficiency ratio | 49.2800% | 4,787 |
| Assets per employee ($millions) | 4.7821% | 2,817 |
| Cash dividends to net income (ytd only)* | 81.4053% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 286 |
| Loan loss allowance to noncurrent loans | 648.0874% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,925 |
| Noncurrent loans to loans | 0.3547% | 3,271 |
| Net loans and leases to total assets | 66.7149% | 2,959 |
| Net loans and leases to deposits | 73.5187% | 3,518 |
| Net loans and leases to core deposits | 80.1225% | 3,383 |
| Total domestic deposits to total assets | 90.7455% | 130 |
| Equity capital to assets | 8.1840% | 5,095 |
| Core capital (leverage) ratio | 8.0537% | 5,105 |
| Tier 1 risk-based capital ratio | 10.6338% | 5,041 |
| Total risk-based capital ratio | 11.8940% | 4,959 |
| Memoranda: | ||
| Average total assets | $377,829,250 | 1,827 |
| Average earning assets | $358,458,500 | 1,799 |
| Average equity | $29,030,750 | 2,458 |
| Average total loans | $254,056,250 | 1,821 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,976 |
| Cost of funding earning assets | 0.6429% | 3,449 |
| Net interest margin | 4.1846% | 1,399 |
| Noninterest income to average assets | 0.9544% | 966 |
| Noninterest expense to average assets | 2.4799% | 3,551 |
| Loan and lease loss provision to assets | 0.1323% | 1,412 |
| Net operating income to assets | 2.1721% | 279 |
| Return on assets (ROA) | 2.1766% | 292 |
| Pretax return on assets | 2.3195% | 342 |
| Return on Equity (ROE) | 28.9560% | 47 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,461 |
| Net charge-offs to loans | 0.0237% | 2,373 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 154.1000% | 486 |
| Efficiency ratio | 50.3330% | 4,763 |
| Assets per employee ($millions) | 4.9490% | 2,539 |
| Cash dividends to net income (ytd only)* | 87.6459% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 305 |
| Loan loss allowance to noncurrent loans | 655.8559% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,432 |
| Noncurrent loans to loans | 0.3478% | 3,305 |
| Net loans and leases to total assets | 65.4756% | 3,168 |
| Net loans and leases to deposits | 71.9373% | 3,692 |
| Net loans and leases to core deposits | 77.0422% | 3,645 |
| Total domestic deposits to total assets | 91.0177% | 104 |
| Equity capital to assets | 7.9466% | 5,184 |
| Core capital (leverage) ratio | 7.9961% | 5,170 |
| Tier 1 risk-based capital ratio | 10.5785% | 5,075 |
| Total risk-based capital ratio | 11.8382% | 4,986 |
| Memoranda: | ||
| Average total assets | $377,844,000 | 1,836 |
| Average earning assets | $358,699,330 | 1,810 |
| Average equity | $28,401,670 | 2,492 |
| Average total loans | $252,752,000 | 1,831 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 1,907 |
| Cost of funding earning assets | 0.6246% | 3,435 |
| Net interest margin | 4.1732% | 1,366 |
| Noninterest income to average assets | 0.9983% | 812 |
| Noninterest expense to average assets | 2.5133% | 3,462 |
| Loan and lease loss provision to assets | 0.1329% | 1,308 |
| Net operating income to assets | 2.1721% | 286 |
| Return on assets (ROA) | 2.1721% | 297 |
| Pretax return on assets | 2.3156% | 351 |
| Return on Equity (ROE) | 29.7580% | 50 |
| Retained earnings to average equity (ytd only) | 2.8840% | 3,784 |
| Net charge-offs to loans | 0.0477% | 1,597 |
| Credit loss provision to net charge-offs | 416.6667% | 675 |
| Earnings coverage of net charge-offs (x) | 76.7667% | 788 |
| Efficiency ratio | 50.6535% | 4,781 |
| Assets per employee ($millions) | 4.9859% | 2,541 |
| Cash dividends to net income (ytd only)* | 90.3084% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2663% | 324 |
| Loan loss allowance to noncurrent loans | 1,104.4574% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,614 |
| Noncurrent loans to loans | 0.2052% | 3,850 |
| Net loans and leases to total assets | 64.8575% | 3,184 |
| Net loans and leases to deposits | 70.8470% | 3,700 |
| Net loans and leases to core deposits | 75.9309% | 3,666 |
| Total domestic deposits to total assets | 91.5459% | 97 |
| Equity capital to assets | 7.4003% | 5,277 |
| Core capital (leverage) ratio | 8.0003% | 5,206 |
| Tier 1 risk-based capital ratio | 10.5695% | 5,160 |
| Total risk-based capital ratio | 11.8295% | 5,054 |
| Memoranda: | ||
| Average total assets | $376,231,000 | 1,853 |
| Average earning assets | $357,325,500 | 1,817 |
| Average equity | $27,461,500 | 2,548 |
| Average total loans | $251,462,000 | 1,850 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,798 |
| Cost of funding earning assets | 0.4216% | 3,844 |
| Net interest margin | 4.2860% | 1,190 |
| Noninterest income to average assets | 0.8408% | 1,333 |
| Noninterest expense to average assets | 2.4867% | 3,644 |
| Loan and lease loss provision to assets | 0.1523% | 1,392 |
| Net operating income to assets | 2.0749% | 309 |
| Return on assets (ROA) | 2.0680% | 308 |
| Pretax return on assets | 2.2175% | 345 |
| Return on Equity (ROE) | 28.1046% | 48 |
| Retained earnings to average equity (ytd only) | -0.0038% | 4,987 |
| Net charge-offs to loans | 0.0720% | 2,089 |
| Credit loss provision to net charge-offs | 317.9191% | 983 |
| Earnings coverage of net charge-offs (x) | 49.6185% | 1,143 |
| Efficiency ratio | 51.1245% | 4,867 |
| Assets per employee ($millions) | 4.9149% | 2,601 |
| Cash dividends to net income (ytd only)* | 100.0134% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 315 |
| Loan loss allowance to noncurrent loans | 858.1930% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,147 |
| Noncurrent loans to loans | 0.2597% | 3,649 |
| Net loans and leases to total assets | 65.8194% | 3,158 |
| Net loans and leases to deposits | 71.6638% | 3,700 |
| Net loans and leases to core deposits | 77.6613% | 3,609 |
| Total domestic deposits to total assets | 91.8446% | 85 |
| Equity capital to assets | 7.1964% | 5,318 |
| Core capital (leverage) ratio | 8.2693% | 5,142 |
| Tier 1 risk-based capital ratio | 10.6205% | 5,135 |
| Total risk-based capital ratio | 11.8800% | 5,028 |
| Memoranda: | ||
| Average total assets | $361,078,600 | 1,872 |
| Average earning assets | $338,940,200 | 1,851 |
| Average equity | $26,568,600 | 2,536 |
| Average total loans | $240,390,600 | 1,876 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 1,722 |
| Cost of funding earning assets | 0.3884% | 3,949 |
| Net interest margin | 4.2971% | 1,118 |
| Noninterest income to average assets | 0.8764% | 1,260 |
| Noninterest expense to average assets | 2.4363% | 3,769 |
| Loan and lease loss provision to assets | 0.1304% | 1,549 |
| Net operating income to assets | 2.1766% | 272 |
| Return on assets (ROA) | 2.1700% | 271 |
| Pretax return on assets | 2.3208% | 327 |
| Return on Equity (ROE) | 29.3230% | 41 |
| Retained earnings to average equity (ytd only) | 1.4797% | 4,732 |
| Net charge-offs to loans | 0.0584% | 1,986 |
| Credit loss provision to net charge-offs | 336.5385% | 932 |
| Earnings coverage of net charge-offs (x) | 63.4630% | 1,019 |
| Efficiency ratio | 49.7755% | 4,955 |
| Assets per employee ($millions) | 4.6523% | 2,910 |
| Cash dividends to net income (ytd only)* | 94.9537% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 329 |
| Loan loss allowance to noncurrent loans | 750.7545% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 3,047 |
| Noncurrent loans to loans | 0.2987% | 3,604 |
| Net loans and leases to total assets | 67.4802% | 3,012 |
| Net loans and leases to deposits | 73.5780% | 3,633 |
| Net loans and leases to core deposits | 77.7802% | 3,676 |
| Total domestic deposits to total assets | 91.7124% | 108 |
| Equity capital to assets | 7.2644% | 5,354 |
| Core capital (leverage) ratio | 8.2930% | 5,208 |
| Tier 1 risk-based capital ratio | 10.8980% | 5,081 |
| Total risk-based capital ratio | 12.1582% | 4,980 |
| Memoranda: | ||
| Average total assets | $357,965,000 | 1,891 |
| Average earning assets | $334,728,000 | 1,881 |
| Average equity | $26,490,500 | 2,553 |
| Average total loans | $237,623,000 | 1,906 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,652 |
| Cost of funding earning assets | 0.3708% | 3,933 |
| Net interest margin | 4.2754% | 1,092 |
| Noninterest income to average assets | 0.8864% | 1,222 |
| Noninterest expense to average assets | 2.4745% | 3,700 |
| Loan and lease loss provision to assets | 0.1530% | 1,234 |
| Net operating income to assets | 2.1056% | 311 |
| Return on assets (ROA) | 2.1056% | 306 |
| Pretax return on assets | 2.2558% | 353 |
| Return on Equity (ROE) | 28.2821% | 45 |
| Retained earnings to average equity (ytd only) | 0.7175% | 4,818 |
| Net charge-offs to loans | 0.0442% | 1,982 |
| Credit loss provision to net charge-offs | 528.8462% | 678 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 805 |
| Efficiency ratio | 50.6723% | 4,987 |
| Assets per employee ($millions) | 4.5794% | 2,997 |
| Cash dividends to net income (ytd only)* | 97.4630% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 324 |
| Loan loss allowance to noncurrent loans | 1,205.7522% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 3,419 |
| Noncurrent loans to loans | 0.1895% | 4,054 |
| Net loans and leases to total assets | 65.2591% | 3,245 |
| Net loans and leases to deposits | 71.4365% | 3,755 |
| Net loans and leases to core deposits | 75.5037% | 3,778 |
| Total domestic deposits to total assets | 91.3526% | 181 |
| Equity capital to assets | 7.2989% | 5,422 |
| Core capital (leverage) ratio | 8.1582% | 5,284 |
| Tier 1 risk-based capital ratio | 11.3206% | 4,884 |
| Total risk-based capital ratio | 12.5953% | 4,773 |
| Memoranda: | ||
| Average total assets | $359,428,330 | 1,888 |
| Average earning assets | $336,018,330 | 1,886 |
| Average equity | $26,759,000 | 2,546 |
| Average total loans | $235,475,330 | 1,917 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,853 |
| Cost of funding earning assets | 0.3360% | 4,093 |
| Net interest margin | 4.1690% | 1,248 |
| Noninterest income to average assets | 0.9719% | 976 |
| Noninterest expense to average assets | 2.3875% | 3,980 |
| Loan and lease loss provision to assets | 0.1664% | 1,074 |
| Net operating income to assets | 2.1634% | 262 |
| Return on assets (ROA) | 2.1634% | 262 |
| Pretax return on assets | 2.3132% | 308 |
| Return on Equity (ROE) | 28.7791% | 51 |
| Retained earnings to average equity (ytd only) | 1.5644% | 4,472 |
| Net charge-offs to loans | -0.0547% | 5,009 |
| Credit loss provision to net charge-offs | -468.7500% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0540% | 5,135 |
| Assets per employee ($millions) | 4.7188% | 2,833 |
| Cash dividends to net income (ytd only)* | 94.5641% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 321 |
| Loan loss allowance to noncurrent loans | 1,332.2660% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,503 |
| Noncurrent loans to loans | 0.1728% | 4,201 |
| Net loans and leases to total assets | 64.0036% | 3,303 |
| Net loans and leases to deposits | 69.8156% | 3,802 |
| Net loans and leases to core deposits | 73.6943% | 3,841 |
| Total domestic deposits to total assets | 91.6752% | 156 |
| Equity capital to assets | 7.3508% | 5,463 |
| Core capital (leverage) ratio | 8.1496% | 5,344 |
| Tier 1 risk-based capital ratio | 11.7358% | 4,721 |
| Total risk-based capital ratio | 12.9980% | 4,595 |
| Memoranda: | ||
| Average total assets | $360,546,000 | 1,895 |
| Average earning assets | $336,863,500 | 1,891 |
| Average equity | $27,103,000 | 2,544 |
| Average total loans | $233,937,500 | 1,939 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,745 |
| Cost of funding earning assets | 0.3818% | 3,413 |
| Net interest margin | 4.1063% | 1,413 |
| Noninterest income to average assets | 0.8243% | 1,484 |
| Noninterest expense to average assets | 2.4191% | 4,022 |
| Loan and lease loss provision to assets | 0.1551% | 1,453 |
| Net operating income to assets | 1.9664% | 302 |
| Return on assets (ROA) | 1.9656% | 306 |
| Pretax return on assets | 2.0982% | 398 |
| Return on Equity (ROE) | 25.1144% | 69 |
| Retained earnings to average equity (ytd only) | 1.1458% | 4,569 |
| Net charge-offs to loans | 0.0105% | 3,719 |
| Credit loss provision to net charge-offs | 2,291.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 333.0417% | 263 |
| Efficiency ratio | 51.7651% | 5,118 |
| Assets per employee ($millions) | 4.8329% | 2,694 |
| Cash dividends to net income (ytd only)* | 95.4376% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 343 |
| Loan loss allowance to noncurrent loans | 1,731.1258% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,608 |
| Noncurrent loans to loans | 0.1297% | 4,411 |
| Net loans and leases to total assets | 62.8209% | 3,508 |
| Net loans and leases to deposits | 68.7794% | 3,964 |
| Net loans and leases to core deposits | 72.7009% | 3,992 |
| Total domestic deposits to total assets | 91.3368% | 171 |
| Equity capital to assets | 7.6819% | 5,492 |
| Core capital (leverage) ratio | 8.2056% | 5,348 |
| Tier 1 risk-based capital ratio | 10.5891% | 5,337 |
| Total risk-based capital ratio | 11.8471% | 5,238 |
| Memoranda: | ||
| Average total assets | $354,596,400 | 1,894 |
| Average earning assets | $332,370,000 | 1,882 |
| Average equity | $27,753,000 | 2,500 |
| Average total loans | $227,691,800 | 1,949 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,648 |
| Cost of funding earning assets | 0.3779% | 3,389 |
| Net interest margin | 4.1196% | 1,335 |
| Noninterest income to average assets | 0.8715% | 1,364 |
| Noninterest expense to average assets | 2.3900% | 4,044 |
| Loan and lease loss provision to assets | 0.1607% | 1,278 |
| Net operating income to assets | 2.0382% | 298 |
| Return on assets (ROA) | 2.0357% | 308 |
| Pretax return on assets | 2.1888% | 375 |
| Return on Equity (ROE) | 25.8869% | 61 |
| Retained earnings to average equity (ytd only) | 2.7358% | 4,266 |
| Net charge-offs to loans | -0.0259% | 4,939 |
| Credit loss provision to net charge-offs | -965.9091% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3987% | 5,220 |
| Assets per employee ($millions) | 4.5435% | 3,063 |
| Cash dividends to net income (ytd only)* | 89.4316% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2218% | 391 |
| Loan loss allowance to noncurrent loans | 686.5870% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,994 |
| Noncurrent loans to loans | 0.3236% | 3,785 |
| Net loans and leases to total assets | 65.8909% | 3,120 |
| Net loans and leases to deposits | 72.6895% | 3,705 |
| Net loans and leases to core deposits | 76.7852% | 3,743 |
| Total domestic deposits to total assets | 90.6472% | 276 |
| Equity capital to assets | 8.3051% | 5,390 |
| Core capital (leverage) ratio | 8.2045% | 5,417 |
| Tier 1 risk-based capital ratio | 11.8038% | 4,766 |
| Total risk-based capital ratio | 13.0643% | 4,629 |
| Memoranda: | ||
| Average total assets | $352,629,500 | 1,913 |
| Average earning assets | $331,315,250 | 1,895 |
| Average equity | $27,730,250 | 2,519 |
| Average total loans | $226,382,000 | 1,966 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 1,724 |
| Cost of funding earning assets | 0.3936% | 3,136 |
| Net interest margin | 4.0365% | 1,495 |
| Noninterest income to average assets | 0.8894% | 1,304 |
| Noninterest expense to average assets | 2.4429% | 3,937 |
| Loan and lease loss provision to assets | 0.1408% | 1,457 |
| Net operating income to assets | 1.9437% | 341 |
| Return on assets (ROA) | 1.9495% | 344 |
| Pretax return on assets | 2.1016% | 442 |
| Return on Equity (ROE) | 25.2496% | 75 |
| Retained earnings to average equity (ytd only) | 1.8020% | 4,531 |
| Net charge-offs to loans | -0.0963% | 5,399 |
| Credit loss provision to net charge-offs | -231.4815% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2090% | 5,161 |
| Assets per employee ($millions) | 4.6573% | 2,852 |
| Cash dividends to net income (ytd only)* | 92.8633% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 418 |
| Loan loss allowance to noncurrent loans | 1,675.1656% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,270 |
| Noncurrent loans to loans | 0.1327% | 4,587 |
| Net loans and leases to total assets | 62.8528% | 3,527 |
| Net loans and leases to deposits | 69.1002% | 3,979 |
| Net loans and leases to core deposits | 72.9315% | 4,024 |
| Total domestic deposits to total assets | 90.9589% | 232 |
| Equity capital to assets | 8.0924% | 5,493 |
| Core capital (leverage) ratio | 8.1051% | 5,486 |
| Tier 1 risk-based capital ratio | 11.7265% | 4,823 |
| Total risk-based capital ratio | 12.9868% | 4,699 |
| Memoranda: | ||
| Average total assets | $355,070,330 | 1,902 |
| Average earning assets | $333,357,330 | 1,886 |
| Average equity | $27,414,330 | 2,544 |
| Average total loans | $224,277,330 | 1,981 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 1,811 |
| Cost of funding earning assets | 0.3898% | 3,101 |
| Net interest margin | 3.9610% | 1,578 |
| Noninterest income to average assets | 0.9212% | 1,184 |
| Noninterest expense to average assets | 2.3091% | 4,383 |
| Loan and lease loss provision to assets | 0.1687% | 1,056 |
| Net operating income to assets | 1.9952% | 303 |
| Return on assets (ROA) | 2.0077% | 310 |
| Pretax return on assets | 2.1595% | 378 |
| Return on Equity (ROE) | 26.6418% | 66 |
| Retained earnings to average equity (ytd only) | 2.7463% | 4,036 |
| Net charge-offs to loans | -0.0647% | 5,294 |
| Credit loss provision to net charge-offs | -416.6667% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9392% | 5,378 |
| Assets per employee ($millions) | 4.7524% | 2,765 |
| Cash dividends to net income (ytd only)* | 89.6919% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 480 |
| Loan loss allowance to noncurrent loans | 2,572.1053% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 3,075 |
| Noncurrent loans to loans | 0.0854% | 4,853 |
| Net loans and leases to total assets | 61.0829% | 3,653 |
| Net loans and leases to deposits | 66.7776% | 4,107 |
| Net loans and leases to core deposits | 70.6889% | 4,096 |
| Total domestic deposits to total assets | 91.4721% | 178 |
| Equity capital to assets | 7.5535% | 5,668 |
| Core capital (leverage) ratio | 8.1196% | 5,498 |
| Tier 1 risk-based capital ratio | 12.1515% | 4,620 |
| Total risk-based capital ratio | 13.4122% | 4,506 |
| Memoranda: | ||
| Average total assets | $355,630,000 | 1,912 |
| Average earning assets | $332,442,000 | 1,898 |
| Average equity | $26,800,000 | 2,588 |
| Average total loans | $222,652,500 | 2,003 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,967 |
| Cost of funding earning assets | 0.4007% | 2,990 |
| Net interest margin | 3.9552% | 1,768 |
| Noninterest income to average assets | 0.8757% | 1,494 |
| Noninterest expense to average assets | 2.3954% | 4,308 |
| Loan and lease loss provision to assets | 0.1952% | 1,194 |
| Net operating income to assets | 1.8719% | 392 |
| Return on assets (ROA) | 1.8575% | 416 |
| Pretax return on assets | 1.9775% | 527 |
| Return on Equity (ROE) | 22.6491% | 129 |
| Retained earnings to average equity (ytd only) | 1.6820% | 4,573 |
| Net charge-offs to loans | 0.2145% | 1,293 |
| Credit loss provision to net charge-offs | 145.4741% | 1,882 |
| Earnings coverage of net charge-offs (x) | 16.3060% | 2,122 |
| Efficiency ratio | 52.2620% | 5,362 |
| Assets per employee ($millions) | 4.8607% | 2,558 |
| Cash dividends to net income (ytd only)* | 92.5736% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 540 |
| Loan loss allowance to noncurrent loans | 973.2919% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 2,858 |
| Noncurrent loans to loans | 0.2169% | 4,377 |
| Net loans and leases to total assets | 61.4377% | 3,666 |
| Net loans and leases to deposits | 67.0757% | 4,164 |
| Net loans and leases to core deposits | 71.5015% | 4,111 |
| Total domestic deposits to total assets | 91.5945% | 148 |
| Equity capital to assets | 7.5183% | 5,714 |
| Core capital (leverage) ratio | 8.2612% | 5,463 |
| Tier 1 risk-based capital ratio | 11.9509% | 4,766 |
| Total risk-based capital ratio | 13.2096% | 4,639 |
| Memoranda: | ||
| Average total assets | $345,786,400 | 1,918 |
| Average earning assets | $324,158,600 | 1,900 |
| Average equity | $28,358,800 | 2,488 |
| Average total loans | $216,319,000 | 1,998 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,897 |
| Cost of funding earning assets | 0.4028% | 2,993 |
| Net interest margin | 3.9853% | 1,699 |
| Noninterest income to average assets | 0.9226% | 1,340 |
| Noninterest expense to average assets | 2.3644% | 4,370 |
| Loan and lease loss provision to assets | 0.1941% | 1,113 |
| Net operating income to assets | 1.9809% | 351 |
| Return on assets (ROA) | 1.9620% | 378 |
| Pretax return on assets | 2.0881% | 478 |
| Return on Equity (ROE) | 23.4191% | 112 |
| Retained earnings to average equity (ytd only) | 3.2940% | 3,929 |
| Net charge-offs to loans | 0.1832% | 1,278 |
| Credit loss provision to net charge-offs | 169.4915% | 1,637 |
| Earnings coverage of net charge-offs (x) | 20.1087% | 1,894 |
| Efficiency ratio | 50.6653% | 5,457 |
| Assets per employee ($millions) | 4.8163% | 2,591 |
| Cash dividends to net income (ytd only)* | 85.9348% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 552 |
| Loan loss allowance to noncurrent loans | 345.5482% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,937 |
| Noncurrent loans to loans | 0.6229% | 3,147 |
| Net loans and leases to total assets | 61.5636% | 3,682 |
| Net loans and leases to deposits | 68.1124% | 4,138 |
| Net loans and leases to core deposits | 72.6176% | 4,114 |
| Total domestic deposits to total assets | 90.3853% | 351 |
| Equity capital to assets | 8.6308% | 5,448 |
| Core capital (leverage) ratio | 8.2282% | 5,555 |
| Tier 1 risk-based capital ratio | 12.3088% | 4,602 |
| Total risk-based capital ratio | 13.5685% | 4,492 |
| Memoranda: | ||
| Average total assets | $343,526,000 | 1,929 |
| Average earning assets | $322,746,000 | 1,913 |
| Average equity | $28,779,250 | 2,474 |
| Average total loans | $214,724,000 | 2,014 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 1,886 |
| Cost of funding earning assets | 0.3955% | 3,092 |
| Net interest margin | 3.9829% | 1,698 |
| Noninterest income to average assets | 0.8603% | 1,508 |
| Noninterest expense to average assets | 2.3835% | 4,393 |
| Loan and lease loss provision to assets | 0.1752% | 1,253 |
| Net operating income to assets | 1.9123% | 390 |
| Return on assets (ROA) | 1.8876% | 429 |
| Pretax return on assets | 2.0103% | 559 |
| Return on Equity (ROE) | 22.7638% | 134 |
| Retained earnings to average equity (ytd only) | 3.4371% | 3,707 |
| Net charge-offs to loans | 0.0056% | 3,500 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 631.1667% | 96 |
| Efficiency ratio | 51.8683% | 5,449 |
| Assets per employee ($millions) | 4.7801% | 2,589 |
| Cash dividends to net income (ytd only)* | 84.9010% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2218% | 528 |
| Loan loss allowance to noncurrent loans | 200.5029% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 2,093 |
| Noncurrent loans to loans | 1.1081% | 2,078 |
| Net loans and leases to total assets | 61.1733% | 3,731 |
| Net loans and leases to deposits | 67.4926% | 4,226 |
| Net loans and leases to core deposits | 71.8323% | 4,196 |
| Total domestic deposits to total assets | 90.6371% | 281 |
| Equity capital to assets | 8.5943% | 5,542 |
| Core capital (leverage) ratio | 8.5640% | 5,303 |
| Tier 1 risk-based capital ratio | 12.7364% | 4,361 |
| Total risk-based capital ratio | 13.9970% | 4,257 |
| Memoranda: | ||
| Average total assets | $342,444,670 | 1,948 |
| Average earning assets | $321,120,670 | 1,926 |
| Average equity | $28,396,000 | 2,504 |
| Average total loans | $213,572,000 | 2,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 1,863 |
| Cost of funding earning assets | 0.4002% | 3,062 |
| Net interest margin | 3.9795% | 1,674 |
| Noninterest income to average assets | 0.8431% | 1,462 |
| Noninterest expense to average assets | 2.3046% | 4,647 |
| Loan and lease loss provision to assets | 0.2049% | 955 |
| Net operating income to assets | 1.9252% | 379 |
| Return on assets (ROA) | 1.9252% | 405 |
| Pretax return on assets | 2.0481% | 515 |
| Return on Equity (ROE) | 23.6508% | 119 |
| Retained earnings to average equity (ytd only) | 3.9130% | 3,537 |
| Net charge-offs to loans | 0.0056% | 2,919 |
| Credit loss provision to net charge-offs | 5,833.3333% | 66 |
| Earnings coverage of net charge-offs (x) | 641.3333% | 77 |
| Efficiency ratio | 50.5653% | 5,592 |
| Assets per employee ($millions) | 4.7603% | 2,661 |
| Cash dividends to net income (ytd only)* | 83.4550% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 588 |
| Loan loss allowance to noncurrent loans | 225.1569% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 2,321 |
| Noncurrent loans to loans | 0.9766% | 2,431 |
| Net loans and leases to total assets | 59.6817% | 3,822 |
| Net loans and leases to deposits | 65.6505% | 4,290 |
| Net loans and leases to core deposits | 70.3472% | 4,219 |
| Total domestic deposits to total assets | 90.9083% | 297 |
| Equity capital to assets | 8.2160% | 5,735 |
| Core capital (leverage) ratio | 8.1785% | 5,665 |
| Tier 1 risk-based capital ratio | 12.7698% | 4,418 |
| Total risk-based capital ratio | 14.0312% | 4,316 |
| Memoranda: | ||
| Average total assets | $341,583,000 | 1,958 |
| Average earning assets | $318,833,000 | 1,940 |
| Average equity | $27,804,500 | 2,539 |
| Average total loans | $212,696,500 | 2,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,781 |
| Cost of funding earning assets | 0.4411% | 2,731 |
| Net interest margin | 3.9964% | 1,730 |
| Noninterest income to average assets | 0.8120% | 1,739 |
| Noninterest expense to average assets | 2.4175% | 4,472 |
| Loan and lease loss provision to assets | 0.2326% | 847 |
| Net operating income to assets | 1.7892% | 493 |
| Return on assets (ROA) | 1.7903% | 504 |
| Pretax return on assets | 1.9043% | 652 |
| Return on Equity (ROE) | 22.0559% | 173 |
| Retained earnings to average equity (ytd only) | 5.0426% | 2,384 |
| Net charge-offs to loans | 0.2563% | 1,179 |
| Credit loss provision to net charge-offs | 142.7256% | 1,845 |
| Earnings coverage of net charge-offs (x) | 13.1068% | 2,399 |
| Efficiency ratio | 53.0943% | 5,581 |
| Assets per employee ($millions) | 4.5981% | 2,880 |
| Cash dividends to net income (ytd only)* | 77.1371% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 683 |
| Loan loss allowance to noncurrent loans | 271.8523% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8625% | 2,513 |
| Noncurrent loans to loans | 0.7744% | 2,851 |
| Net loans and leases to total assets | 62.2181% | 3,529 |
| Net loans and leases to deposits | 68.5555% | 4,074 |
| Net loans and leases to core deposits | 73.5359% | 3,988 |
| Total domestic deposits to total assets | 90.7559% | 352 |
| Equity capital to assets | 8.0611% | 5,831 |
| Core capital (leverage) ratio | 8.3739% | 5,550 |
| Tier 1 risk-based capital ratio | 11.5368% | 5,225 |
| Total risk-based capital ratio | 12.7945% | 5,131 |
| Memoranda: | ||
| Average total assets | $333,237,400 | 1,975 |
| Average earning assets | $311,959,600 | 1,941 |
| Average equity | $27,049,400 | 2,545 |
| Average total loans | $211,837,600 | 1,983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 1,832 |
| Cost of funding earning assets | 0.4488% | 2,700 |
| Net interest margin | 3.9758% | 1,784 |
| Noninterest income to average assets | 0.8109% | 1,769 |
| Noninterest expense to average assets | 2.3553% | 4,638 |
| Loan and lease loss provision to assets | 0.2405% | 732 |
| Net operating income to assets | 1.8139% | 506 |
| Return on assets (ROA) | 1.8154% | 528 |
| Pretax return on assets | 1.9561% | 658 |
| Return on Equity (ROE) | 22.3258% | 185 |
| Retained earnings to average equity (ytd only) | 5.4964% | 2,583 |
| Net charge-offs to loans | 0.1330% | 1,805 |
| Credit loss provision to net charge-offs | 284.3602% | 1,016 |
| Earnings coverage of net charge-offs (x) | 25.9523% | 1,638 |
| Efficiency ratio | 51.7618% | 5,668 |
| Assets per employee ($millions) | 4.5053% | 2,999 |
| Cash dividends to net income (ytd only)* | 75.3809% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 714 |
| Loan loss allowance to noncurrent loans | 310.0734% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 2,600 |
| Noncurrent loans to loans | 0.6940% | 3,240 |
| Net loans and leases to total assets | 64.2590% | 3,268 |
| Net loans and leases to deposits | 70.8367% | 3,902 |
| Net loans and leases to core deposits | 76.9362% | 3,700 |
| Total domestic deposits to total assets | 90.7142% | 336 |
| Equity capital to assets | 8.4035% | 5,761 |
| Core capital (leverage) ratio | 8.3726% | 5,651 |
| Tier 1 risk-based capital ratio | 12.1482% | 4,994 |
| Total risk-based capital ratio | 13.4081% | 4,896 |
| Memoranda: | ||
| Average total assets | $332,631,500 | 1,988 |
| Average earning assets | $312,848,000 | 1,949 |
| Average equity | $27,047,250 | 2,555 |
| Average total loans | $211,463,750 | 1,997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,919 |
| Cost of funding earning assets | 0.4485% | 2,747 |
| Net interest margin | 3.9317% | 1,880 |
| Noninterest income to average assets | 0.8111% | 1,730 |
| Noninterest expense to average assets | 2.2889% | 4,869 |
| Loan and lease loss provision to assets | 0.2845% | 568 |
| Net operating income to assets | 1.8085% | 508 |
| Return on assets (ROA) | 1.8090% | 526 |
| Pretax return on assets | 1.9564% | 651 |
| Return on Equity (ROE) | 22.4951% | 178 |
| Retained earnings to average equity (ytd only) | 5.5418% | 2,514 |
| Net charge-offs to loans | 0.2048% | 1,230 |
| Credit loss provision to net charge-offs | 220.9302% | 1,138 |
| Earnings coverage of net charge-offs (x) | 17.3953% | 1,859 |
| Efficiency ratio | 50.5356% | 5,825 |
| Assets per employee ($millions) | 4.5529% | 2,898 |
| Cash dividends to net income (ytd only)* | 75.3642% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1007% | 853 |
| Loan loss allowance to noncurrent loans | 378.7930% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 2,871 |
| Noncurrent loans to loans | 0.5546% | 3,793 |
| Net loans and leases to total assets | 64.2448% | 3,234 |
| Net loans and leases to deposits | 70.5822% | 3,866 |
| Net loans and leases to core deposits | 76.8244% | 3,686 |
| Total domestic deposits to total assets | 91.0213% | 289 |
| Equity capital to assets | 8.1739% | 5,897 |
| Core capital (leverage) ratio | 8.1311% | 5,846 |
| Tier 1 risk-based capital ratio | 12.5150% | 4,792 |
| Total risk-based capital ratio | 13.7750% | 4,708 |
| Memoranda: | ||
| Average total assets | $333,879,330 | 1,988 |
| Average earning assets | $315,738,000 | 1,944 |
| Average equity | $26,850,330 | 2,579 |
| Average total loans | $209,955,670 | 2,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,131 |
| Cost of funding earning assets | 0.4520% | 2,752 |
| Net interest margin | 3.8377% | 2,104 |
| Noninterest income to average assets | 0.8073% | 1,685 |
| Noninterest expense to average assets | 2.2926% | 4,904 |
| Loan and lease loss provision to assets | 0.2078% | 866 |
| Net operating income to assets | 1.7795% | 500 |
| Return on assets (ROA) | 1.7892% | 515 |
| Pretax return on assets | 1.9566% | 636 |
| Return on Equity (ROE) | 22.4273% | 172 |
| Retained earnings to average equity (ytd only) | 5.4915% | 2,784 |
| Net charge-offs to loans | 0.3163% | 754 |
| Credit loss provision to net charge-offs | 106.7073% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.0610% | 1,890 |
| Efficiency ratio | 51.5621% | 5,838 |
| Assets per employee ($millions) | 4.7027% | 2,761 |
| Cash dividends to net income (ytd only)* | 75.5143% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 1,016 |
| Loan loss allowance to noncurrent loans | 376.5432% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 2,969 |
| Noncurrent loans to loans | 0.5406% | 3,965 |
| Net loans and leases to total assets | 60.6902% | 3,563 |
| Net loans and leases to deposits | 66.5816% | 4,096 |
| Net loans and leases to core deposits | 72.3846% | 3,925 |
| Total domestic deposits to total assets | 91.1516% | 310 |
| Equity capital to assets | 8.0696% | 5,998 |
| Core capital (leverage) ratio | 7.9915% | 5,952 |
| Tier 1 risk-based capital ratio | 12.4938% | 4,910 |
| Total risk-based capital ratio | 13.7526% | 4,808 |
| Memoranda: | ||
| Average total assets | $336,914,000 | 1,976 |
| Average earning assets | $319,461,500 | 1,927 |
| Average equity | $26,878,000 | 2,594 |
| Average total loans | $207,373,500 | 2,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,757 |
| Cost of funding earning assets | 0.5002% | 2,678 |
| Net interest margin | 4.0312% | 1,802 |
| Noninterest income to average assets | 0.7763% | 1,967 |
| Noninterest expense to average assets | 2.4743% | 4,627 |
| Loan and lease loss provision to assets | 0.2187% | 1,126 |
| Net operating income to assets | 1.7495% | 522 |
| Return on assets (ROA) | 1.8262% | 471 |
| Pretax return on assets | 1.9411% | 577 |
| Return on Equity (ROE) | 22.9552% | 149 |
| Retained earnings to average equity (ytd only) | 1.7709% | 4,926 |
| Net charge-offs to loans | 0.3352% | 1,311 |
| Credit loss provision to net charge-offs | 104.0119% | 2,302 |
| Earnings coverage of net charge-offs (x) | 9.8856% | 2,683 |
| Efficiency ratio | 54.3502% | 5,814 |
| Assets per employee ($millions) | 4.6561% | 2,784 |
| Cash dividends to net income (ytd only)* | 92.2853% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 981 |
| Loan loss allowance to noncurrent loans | 296.1752% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 3,174 |
| Noncurrent loans to loans | 0.7015% | 3,576 |
| Net loans and leases to total assets | 59.8760% | 3,806 |
| Net loans and leases to deposits | 65.5023% | 4,377 |
| Net loans and leases to core deposits | 71.1509% | 4,204 |
| Total domestic deposits to total assets | 91.4105% | 249 |
| Equity capital to assets | 7.8849% | 6,110 |
| Core capital (leverage) ratio | 8.1170% | 5,917 |
| Tier 1 risk-based capital ratio | 11.9261% | 5,411 |
| Total risk-based capital ratio | 13.1840% | 5,311 |
| Memoranda: | ||
| Average total assets | $320,125,800 | 2,031 |
| Average earning assets | $299,889,200 | 1,999 |
| Average equity | $25,467,000 | 2,614 |
| Average total loans | $200,757,000 | 2,027 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,533 |
| Cost of funding earning assets | 0.5141% | 2,618 |
| Net interest margin | 4.0981% | 1,580 |
| Noninterest income to average assets | 0.7957% | 1,913 |
| Noninterest expense to average assets | 2.4217% | 4,754 |
| Loan and lease loss provision to assets | 0.2529% | 849 |
| Net operating income to assets | 1.8112% | 507 |
| Return on assets (ROA) | 1.9139% | 423 |
| Pretax return on assets | 2.0614% | 492 |
| Return on Equity (ROE) | 24.0016% | 127 |
| Retained earnings to average equity (ytd only) | 7.4262% | 1,607 |
| Net charge-offs to loans | 0.0941% | 2,867 |
| Credit loss provision to net charge-offs | 425.5319% | 660 |
| Earnings coverage of net charge-offs (x) | 37.0842% | 1,190 |
| Efficiency ratio | 52.3554% | 5,967 |
| Assets per employee ($millions) | 4.4372% | 3,070 |
| Cash dividends to net income (ytd only)* | 69.0596% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 823 |
| Loan loss allowance to noncurrent loans | 208.5816% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 2,839 |
| Noncurrent loans to loans | 1.1036% | 2,859 |
| Net loans and leases to total assets | 63.1977% | 3,315 |
| Net loans and leases to deposits | 69.3675% | 3,986 |
| Net loans and leases to core deposits | 75.4319% | 3,811 |
| Total domestic deposits to total assets | 91.1056% | 332 |
| Equity capital to assets | 8.3935% | 5,878 |
| Core capital (leverage) ratio | 8.5878% | 5,559 |
| Tier 1 risk-based capital ratio | 13.0061% | 4,863 |
| Total risk-based capital ratio | 14.2686% | 4,779 |
| Memoranda: | ||
| Average total assets | $316,348,250 | 2,072 |
| Average earning assets | $295,643,250 | 2,035 |
| Average equity | $25,225,500 | 2,649 |
| Average total loans | $199,700,000 | 2,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 1,506 |
| Cost of funding earning assets | 0.5188% | 2,647 |
| Net interest margin | 4.0913% | 1,541 |
| Noninterest income to average assets | 0.7740% | 1,942 |
| Noninterest expense to average assets | 2.3896% | 4,906 |
| Loan and lease loss provision to assets | 0.2368% | 959 |
| Net operating income to assets | 1.8310% | 464 |
| Return on assets (ROA) | 1.9584% | 382 |
| Pretax return on assets | 2.1131% | 434 |
| Return on Equity (ROE) | 24.9963% | 110 |
| Retained earnings to average equity (ytd only) | 8.8478% | 1,036 |
| Net charge-offs to loans | 0.1250% | 2,418 |
| Credit loss provision to net charge-offs | 302.4194% | 845 |
| Earnings coverage of net charge-offs (x) | 28.2661% | 1,305 |
| Efficiency ratio | 51.9204% | 6,071 |
| Assets per employee ($millions) | 4.6203% | 2,741 |
| Cash dividends to net income (ytd only)* | 64.6035% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 998 |
| Loan loss allowance to noncurrent loans | 462.1649% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 4,046 |
| Noncurrent loans to loans | 0.4800% | 4,560 |
| Net loans and leases to total assets | 61.9866% | 3,406 |
| Net loans and leases to deposits | 67.8657% | 4,068 |
| Net loans and leases to core deposits | 73.7008% | 3,869 |
| Total domestic deposits to total assets | 91.3372% | 298 |
| Equity capital to assets | 8.2493% | 5,990 |
| Core capital (leverage) ratio | 8.4424% | 5,699 |
| Tier 1 risk-based capital ratio | 12.6186% | 5,143 |
| Total risk-based capital ratio | 13.8794% | 5,074 |
| Memoranda: | ||
| Average total assets | $316,784,330 | 2,062 |
| Average earning assets | $296,432,000 | 2,027 |
| Average equity | $24,819,670 | 2,681 |
| Average total loans | $198,337,000 | 2,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 1,646 |
| Cost of funding earning assets | 0.5296% | 2,611 |
| Net interest margin | 4.0194% | 1,690 |
| Noninterest income to average assets | 0.7410% | 1,987 |
| Noninterest expense to average assets | 2.4612% | 4,757 |
| Loan and lease loss provision to assets | 0.1583% | 1,536 |
| Net operating income to assets | 1.7164% | 558 |
| Return on assets (ROA) | 1.9786% | 369 |
| Pretax return on assets | 2.1560% | 386 |
| Return on Equity (ROE) | 25.9468% | 107 |
| Retained earnings to average equity (ytd only) | 9.3189% | 1,156 |
| Net charge-offs to loans | 0.0957% | 2,210 |
| Credit loss provision to net charge-offs | 265.9574% | 867 |
| Earnings coverage of net charge-offs (x) | 34.0851% | 969 |
| Efficiency ratio | 54.8096% | 5,941 |
| Assets per employee ($millions) | 4.6813% | 2,684 |
| Cash dividends to net income (ytd only)* | 64.0845% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,182 |
| Loan loss allowance to noncurrent loans | 181.2447% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 3,107 |
| Noncurrent loans to loans | 1.2072% | 3,028 |
| Net loans and leases to total assets | 59.6510% | 3,613 |
| Net loans and leases to deposits | 64.8793% | 4,221 |
| Net loans and leases to core deposits | 70.1535% | 4,073 |
| Total domestic deposits to total assets | 91.9414% | 255 |
| Equity capital to assets | 7.6249% | 6,264 |
| Core capital (leverage) ratio | 8.3314% | 5,818 |
| Tier 1 risk-based capital ratio | 12.6250% | 5,239 |
| Total risk-based capital ratio | 13.8853% | 5,167 |
| Memoranda: | ||
| Average total assets | $315,776,000 | 2,079 |
| Average earning assets | $294,573,000 | 2,048 |
| Average equity | $24,080,000 | 2,749 |
| Average total loans | $196,457,000 | 2,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 1,599 |
| Cost of funding earning assets | 0.6060% | 2,605 |
| Net interest margin | 4.0834% | 1,697 |
| Noninterest income to average assets | 0.7851% | 2,144 |
| Noninterest expense to average assets | 2.4177% | 5,025 |
| Loan and lease loss provision to assets | 0.2387% | 1,520 |
| Net operating income to assets | 1.8301% | 455 |
| Return on assets (ROA) | 1.7660% | 533 |
| Pretax return on assets | 1.8839% | 624 |
| Return on Equity (ROE) | 21.9689% | 201 |
| Retained earnings to average equity (ytd only) | 6.6812% | 1,585 |
| Net charge-offs to loans | 0.3586% | 1,884 |
| Credit loss provision to net charge-offs | 104.9204% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.6281% | 2,478 |
| Efficiency ratio | 52.4616% | 6,256 |
| Assets per employee ($millions) | 4.4716% | 2,954 |
| Cash dividends to net income (ytd only)* | 69.5879% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1600% | 1,234 |
| Loan loss allowance to noncurrent loans | 583.7241% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 4,145 |
| Noncurrent loans to loans | 0.3700% | 5,079 |
| Net loans and leases to total assets | 62.1288% | 3,338 |
| Net loans and leases to deposits | 67.5350% | 4,120 |
| Net loans and leases to core deposits | 74.2028% | 3,818 |
| Total domestic deposits to total assets | 91.9950% | 284 |
| Equity capital to assets | 7.6265% | 6,223 |
| Core capital (leverage) ratio | 8.4917% | 5,683 |
| Tier 1 risk-based capital ratio | 12.8646% | 5,073 |
| Total risk-based capital ratio | 14.1255% | 5,010 |
| Memoranda: | ||
| Average total assets | $303,673,400 | 2,124 |
| Average earning assets | $284,346,000 | 2,082 |
| Average equity | $24,411,800 | 2,691 |
| Average total loans | $192,703,400 | 2,071 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,639 |
| Cost of funding earning assets | 0.6155% | 2,681 |
| Net interest margin | 4.0680% | 1,733 |
| Noninterest income to average assets | 0.7706% | 2,278 |
| Noninterest expense to average assets | 2.4461% | 4,884 |
| Loan and lease loss provision to assets | 0.2535% | 1,408 |
| Net operating income to assets | 1.7533% | 578 |
| Return on assets (ROA) | 1.7611% | 596 |
| Pretax return on assets | 1.8991% | 711 |
| Return on Equity (ROE) | 21.6244% | 218 |
| Retained earnings to average equity (ytd only) | 6.8310% | 1,958 |
| Net charge-offs to loans | 0.2543% | 2,290 |
| Credit loss provision to net charge-offs | 157.1038% | 1,506 |
| Earnings coverage of net charge-offs (x) | 13.2896% | 2,042 |
| Efficiency ratio | 53.2892% | 6,161 |
| Assets per employee ($millions) | 4.3521% | 3,138 |
| Cash dividends to net income (ytd only)* | 68.4106% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 1,170 |
| Loan loss allowance to noncurrent loans | 618.9607% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 3,740 |
| Noncurrent loans to loans | 0.3731% | 5,282 |
| Net loans and leases to total assets | 62.0770% | 3,346 |
| Net loans and leases to deposits | 67.7242% | 4,098 |
| Net loans and leases to core deposits | 74.5408% | 3,782 |
| Total domestic deposits to total assets | 91.6615% | 326 |
| Equity capital to assets | 7.3581% | 6,439 |
| Core capital (leverage) ratio | 8.3580% | 5,905 |
| Tier 1 risk-based capital ratio | 12.9885% | 5,135 |
| Total risk-based capital ratio | 13.9599% | 5,266 |
| Memoranda: | ||
| Average total assets | $302,456,000 | 2,144 |
| Average earning assets | $283,994,750 | 2,097 |
| Average equity | $24,632,000 | 2,693 |
| Average total loans | $191,897,750 | 2,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 1,666 |
| Cost of funding earning assets | 0.6167% | 2,792 |
| Net interest margin | 4.0476% | 1,705 |
| Noninterest income to average assets | 0.7369% | 2,471 |
| Noninterest expense to average assets | 2.3847% | 5,096 |
| Loan and lease loss provision to assets | 0.2309% | 1,620 |
| Net operating income to assets | 1.7902% | 534 |
| Return on assets (ROA) | 1.7970% | 565 |
| Pretax return on assets | 1.9342% | 690 |
| Return on Equity (ROE) | 21.3837% | 230 |
| Retained earnings to average equity (ytd only) | 7.1593% | 1,816 |
| Net charge-offs to loans | 0.2174% | 2,450 |
| Credit loss provision to net charge-offs | 167.4641% | 1,402 |
| Earnings coverage of net charge-offs (x) | 15.6507% | 1,720 |
| Efficiency ratio | 52.4978% | 6,255 |
| Assets per employee ($millions) | 4.5666% | 2,706 |
| Cash dividends to net income (ytd only)* | 66.5198% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2757% | 1,297 |
| Loan loss allowance to noncurrent loans | 351.0518% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9771% | 3,815 |
| Noncurrent loans to loans | 0.6483% | 4,647 |
| Net loans and leases to total assets | 60.0030% | 3,656 |
| Net loans and leases to deposits | 65.8825% | 4,278 |
| Net loans and leases to core deposits | 71.8345% | 4,066 |
| Total domestic deposits to total assets | 91.0758% | 522 |
| Equity capital to assets | 8.0206% | 6,183 |
| Core capital (leverage) ratio | 8.2056% | 6,001 |
| Tier 1 risk-based capital ratio | 12.7916% | 5,293 |
| Total risk-based capital ratio | 14.0575% | 5,214 |
| Memoranda: | ||
| Average total assets | $303,177,000 | 2,143 |
| Average earning assets | $285,059,330 | 2,094 |
| Average equity | $25,477,330 | 2,632 |
| Average total loans | $192,257,000 | 2,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 1,564 |
| Cost of funding earning assets | 0.6317% | 2,834 |
| Net interest margin | 4.0593% | 1,590 |
| Noninterest income to average assets | 0.8467% | 1,937 |
| Noninterest expense to average assets | 2.5696% | 4,502 |
| Loan and lease loss provision to assets | 0.1669% | 2,194 |
| Net operating income to assets | 1.7830% | 487 |
| Return on assets (ROA) | 1.7830% | 542 |
| Pretax return on assets | 1.9205% | 704 |
| Return on Equity (ROE) | 20.7274% | 247 |
| Retained earnings to average equity (ytd only) | 6.6607% | 2,340 |
| Net charge-offs to loans | 0.1761% | 2,336 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 18.3882% | 1,267 |
| Efficiency ratio | 55.1764% | 6,136 |
| Assets per employee ($millions) | 4.4801% | 3,009 |
| Cash dividends to net income (ytd only)* | 67.8652% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,541 |
| Loan loss allowance to noncurrent loans | 571.1590% | 761 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 3,650 |
| Noncurrent loans to loans | 0.3892% | 5,439 |
| Net loans and leases to total assets | 61.1848% | 3,226 |
| Net loans and leases to deposits | 67.1338% | 3,895 |
| Net loans and leases to core deposits | 73.4551% | 3,644 |
| Total domestic deposits to total assets | 91.1387% | 470 |
| Equity capital to assets | 8.3916% | 6,113 |
| Core capital (leverage) ratio | 8.2341% | 5,898 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,783 |
| Total risk-based capital ratio | 13.4669% | 5,739 |
| Memoranda: | ||
| Average total assets | $299,502,500 | 2,195 |
| Average earning assets | $281,133,000 | 2,143 |
| Average equity | $25,763,000 | 2,633 |
| Average total loans | $193,053,500 | 2,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,200 |
| Cost of funding earning assets | 0.8450% | 2,327 |
| Net interest margin | 4.3091% | 1,386 |
| Noninterest income to average assets | 0.7717% | 2,385 |
| Noninterest expense to average assets | 2.5198% | 5,029 |
| Loan and lease loss provision to assets | 0.4737% | 1,304 |
| Net operating income to assets | 1.6810% | 643 |
| Return on assets (ROA) | 1.7360% | 639 |
| Pretax return on assets | 1.8442% | 846 |
| Return on Equity (ROE) | 19.9002% | 309 |
| Retained earnings to average equity (ytd only) | 7.3140% | 1,418 |
| Net charge-offs to loans | 0.1368% | 4,318 |
| Credit loss provision to net charge-offs | 520.8333% | 465 |
| Earnings coverage of net charge-offs (x) | 24.8409% | 1,160 |
| Efficiency ratio | 52.7249% | 6,400 |
| Assets per employee ($millions) | 4.2660% | 3,427 |
| Cash dividends to net income (ytd only)* | 63.2467% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,652 |
| Loan loss allowance to noncurrent loans | 272.5974% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 3,449 |
| Noncurrent loans to loans | 0.7878% | 4,605 |
| Net loans and leases to total assets | 64.9798% | 2,724 |
| Net loans and leases to deposits | 71.5921% | 3,481 |
| Net loans and leases to core deposits | 78.5134% | 3,197 |
| Total domestic deposits to total assets | 90.7639% | 585 |
| Equity capital to assets | 8.8196% | 5,727 |
| Core capital (leverage) ratio | 8.3563% | 5,818 |
| Tier 1 risk-based capital ratio | 11.8080% | 5,906 |
| Total risk-based capital ratio | 13.0708% | 5,859 |
| Memoranda: | ||
| Average total assets | $290,260,800 | 2,201 |
| Average earning assets | $269,943,200 | 2,161 |
| Average equity | $25,321,400 | 2,625 |
| Average total loans | $193,043,200 | 2,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 1,127 |
| Cost of funding earning assets | 0.9039% | 2,148 |
| Net interest margin | 4.3324% | 1,391 |
| Noninterest income to average assets | 0.8297% | 2,123 |
| Noninterest expense to average assets | 2.5556% | 4,896 |
| Loan and lease loss provision to assets | 0.5186% | 1,162 |
| Net operating income to assets | 1.6349% | 786 |
| Return on assets (ROA) | 1.7070% | 751 |
| Pretax return on assets | 1.8526% | 955 |
| Return on Equity (ROE) | 19.6221% | 350 |
| Retained earnings to average equity (ytd only) | 7.5351% | 1,837 |
| Net charge-offs to loans | 0.1462% | 3,938 |
| Credit loss provision to net charge-offs | 533.1754% | 506 |
| Earnings coverage of net charge-offs (x) | 23.5731% | 1,307 |
| Efficiency ratio | 52.7096% | 6,381 |
| Assets per employee ($millions) | 4.3041% | 3,262 |
| Cash dividends to net income (ytd only)* | 61.5988% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 2,069 |
| Loan loss allowance to noncurrent loans | 277.2696% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 3,410 |
| Noncurrent loans to loans | 0.7342% | 4,956 |
| Net loans and leases to total assets | 66.7708% | 2,508 |
| Net loans and leases to deposits | 73.8969% | 3,297 |
| Net loans and leases to core deposits | 81.1893% | 3,063 |
| Total domestic deposits to total assets | 90.3567% | 649 |
| Equity capital to assets | 9.0125% | 5,813 |
| Core capital (leverage) ratio | 8.2007% | 6,140 |
| Tier 1 risk-based capital ratio | 11.8128% | 6,044 |
| Total risk-based capital ratio | 13.0767% | 6,023 |
| Memoranda: | ||
| Average total assets | $289,237,000 | 2,239 |
| Average earning assets | $268,299,000 | 2,195 |
| Average equity | $25,161,500 | 2,667 |
| Average total loans | $192,436,500 | 2,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 1,111 |
| Cost of funding earning assets | 0.9255% | 2,222 |
| Net interest margin | 4.3391% | 1,370 |
| Noninterest income to average assets | 0.8131% | 2,124 |
| Noninterest expense to average assets | 2.4917% | 5,167 |
| Loan and lease loss provision to assets | 0.5354% | 1,159 |
| Net operating income to assets | 1.6680% | 720 |
| Return on assets (ROA) | 1.7284% | 716 |
| Pretax return on assets | 1.8741% | 897 |
| Return on Equity (ROE) | 20.1082% | 354 |
| Retained earnings to average equity (ytd only) | 9.1299% | 1,228 |
| Net charge-offs to loans | 0.2083% | 3,323 |
| Credit loss provision to net charge-offs | 389.4472% | 761 |
| Earnings coverage of net charge-offs (x) | 17.0503% | 1,552 |
| Efficiency ratio | 51.5286% | 6,538 |
| Assets per employee ($millions) | 4.3864% | 3,111 |
| Cash dividends to net income (ytd only)* | 54.5963% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 2,580 |
| Loan loss allowance to noncurrent loans | 284.9027% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 3,639 |
| Noncurrent loans to loans | 0.6647% | 5,175 |
| Net loans and leases to total assets | 64.5374% | 2,924 |
| Net loans and leases to deposits | 71.2455% | 3,732 |
| Net loans and leases to core deposits | 78.2353% | 3,479 |
| Total domestic deposits to total assets | 90.5846% | 622 |
| Equity capital to assets | 8.7373% | 5,985 |
| Core capital (leverage) ratio | 8.0084% | 6,267 |
| Tier 1 risk-based capital ratio | 11.6477% | 6,142 |
| Total risk-based capital ratio | 12.9073% | 6,118 |
| Memoranda: | ||
| Average total assets | $289,524,000 | 2,236 |
| Average earning assets | $268,399,330 | 2,201 |
| Average equity | $24,885,330 | 2,684 |
| Average total loans | $191,064,670 | 2,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 1,217 |
| Cost of funding earning assets | 0.9466% | 2,322 |
| Net interest margin | 4.2978% | 1,471 |
| Noninterest income to average assets | 0.8826% | 1,822 |
| Noninterest expense to average assets | 2.6867% | 4,472 |
| Loan and lease loss provision to assets | 0.4872% | 1,249 |
| Net operating income to assets | 1.6092% | 851 |
| Return on assets (ROA) | 1.6092% | 950 |
| Pretax return on assets | 1.6969% | 1,310 |
| Return on Equity (ROE) | 18.8819% | 468 |
| Retained earnings to average equity (ytd only) | 7.7423% | 2,076 |
| Net charge-offs to loans | 0.3896% | 2,133 |
| Credit loss provision to net charge-offs | 189.1892% | 1,392 |
| Earnings coverage of net charge-offs (x) | 8.4811% | 1,955 |
| Efficiency ratio | 55.1586% | 6,209 |
| Assets per employee ($millions) | 4.3760% | 3,243 |
| Cash dividends to net income (ytd only)* | 58.9965% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 3,223 |
| Loan loss allowance to noncurrent loans | 274.3460% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 3,523 |
| Noncurrent loans to loans | 0.6311% | 5,380 |
| Net loans and leases to total assets | 62.9300% | 3,059 |
| Net loans and leases to deposits | 69.1454% | 3,852 |
| Net loans and leases to core deposits | 76.0907% | 3,607 |
| Total domestic deposits to total assets | 91.0111% | 551 |
| Equity capital to assets | 8.4077% | 6,170 |
| Core capital (leverage) ratio | 7.9014% | 6,333 |
| Tier 1 risk-based capital ratio | 11.4422% | 6,316 |
| Total risk-based capital ratio | 12.7002% | 6,291 |
| Memoranda: | ||
| Average total assets | $287,341,000 | 2,265 |
| Average earning assets | $266,651,000 | 2,228 |
| Average equity | $24,489,000 | 2,716 |
| Average total loans | $189,932,000 | 2,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 1,661 |
| Cost of funding earning assets | 1.0900% | 2,734 |
| Net interest margin | 4.2234% | 1,982 |
| Noninterest income to average assets | 0.5777% | 3,312 |
| Noninterest expense to average assets | 2.4669% | 5,576 |
| Loan and lease loss provision to assets | 0.4627% | 2,295 |
| Net operating income to assets | 1.4913% | 844 |
| Return on assets (ROA) | 1.5586% | 788 |
| Pretax return on assets | 1.6596% | 1,081 |
| Return on Equity (ROE) | 18.7735% | 330 |
| Retained earnings to average equity (ytd only) | 7.1081% | 1,446 |
| Net charge-offs to loans | 0.6925% | 2,425 |
| Credit loss provision to net charge-offs | 99.7698% | 3,582 |
| Earnings coverage of net charge-offs (x) | 4.4221% | 3,118 |
| Efficiency ratio | 54.6049% | 6,457 |
| Assets per employee ($millions) | 4.0213% | 3,803 |
| Cash dividends to net income (ytd only)* | 62.1375% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 3,564 |
| Loan loss allowance to noncurrent loans | 230.1268% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 3,842 |
| Noncurrent loans to loans | 0.6981% | 5,301 |
| Net loans and leases to total assets | 67.1503% | 2,550 |
| Net loans and leases to deposits | 73.8348% | 3,528 |
| Net loans and leases to core deposits | 81.1928% | 3,302 |
| Total domestic deposits to total assets | 90.9467% | 530 |
| Equity capital to assets | 8.6423% | 5,969 |
| Core capital (leverage) ratio | 7.9852% | 6,289 |
| Tier 1 risk-based capital ratio | 11.1427% | 6,377 |
| Total risk-based capital ratio | 12.3866% | 6,360 |
| Memoranda: | ||
| Average total assets | $280,964,800 | 2,257 |
| Average earning assets | $262,113,400 | 2,224 |
| Average equity | $23,325,400 | 2,747 |
| Average total loans | $188,168,000 | 2,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 1,678 |
| Cost of funding earning assets | 1.1236% | 2,811 |
| Net interest margin | 4.2250% | 2,003 |
| Noninterest income to average assets | 0.7297% | 2,417 |
| Noninterest expense to average assets | 2.5856% | 5,133 |
| Loan and lease loss provision to assets | 0.4748% | 2,088 |
| Net operating income to assets | 1.4974% | 939 |
| Return on assets (ROA) | 1.5862% | 864 |
| Pretax return on assets | 1.7101% | 1,124 |
| Return on Equity (ROE) | 19.3047% | 355 |
| Retained earnings to average equity (ytd only) | 7.5346% | 1,698 |
| Net charge-offs to loans | 0.6375% | 2,335 |
| Credit loss provision to net charge-offs | 111.7318% | 2,934 |
| Earnings coverage of net charge-offs (x) | 4.9173% | 2,923 |
| Efficiency ratio | 55.3062% | 6,361 |
| Assets per employee ($millions) | 4.1910% | 3,462 |
| Cash dividends to net income (ytd only)* | 60.9697% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,309 |
| Loan loss allowance to noncurrent loans | 167.6640% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8074% | 3,382 |
| Noncurrent loans to loans | 1.0085% | 4,876 |
| Net loans and leases to total assets | 66.1339% | 2,872 |
| Net loans and leases to deposits | 73.0418% | 3,803 |
| Net loans and leases to core deposits | 80.0797% | 3,626 |
| Total domestic deposits to total assets | 90.5425% | 610 |
| Equity capital to assets | 8.7740% | 6,006 |
| Core capital (leverage) ratio | 7.9272% | 6,459 |
| Tier 1 risk-based capital ratio | 11.2132% | 6,420 |
| Total risk-based capital ratio | 12.4714% | 6,399 |
| Memoranda: | ||
| Average total assets | $280,834,000 | 2,273 |
| Average earning assets | $262,242,000 | 2,232 |
| Average equity | $23,075,000 | 2,769 |
| Average total loans | $187,183,500 | 2,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 1,846 |
| Cost of funding earning assets | 1.1626% | 2,830 |
| Net interest margin | 4.1492% | 2,231 |
| Noninterest income to average assets | 0.6851% | 2,629 |
| Noninterest expense to average assets | 2.4725% | 5,632 |
| Loan and lease loss provision to assets | 0.4273% | 2,294 |
| Net operating income to assets | 1.5436% | 818 |
| Return on assets (ROA) | 1.5204% | 905 |
| Pretax return on assets | 1.6336% | 1,193 |
| Return on Equity (ROE) | 18.9321% | 392 |
| Retained earnings to average equity (ytd only) | 6.9255% | 1,915 |
| Net charge-offs to loans | 0.9624% | 1,628 |
| Credit loss provision to net charge-offs | 66.8151% | 4,144 |
| Earnings coverage of net charge-offs (x) | 3.2617% | 3,239 |
| Efficiency ratio | 54.2415% | 6,600 |
| Assets per employee ($millions) | 4.2780% | 3,201 |
| Cash dividends to net income (ytd only)* | 63.4192% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 4,149 |
| Loan loss allowance to noncurrent loans | 128.9145% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.9444% | 3,316 |
| Noncurrent loans to loans | 1.1610% | 4,717 |
| Net loans and leases to total assets | 64.0857% | 3,443 |
| Net loans and leases to deposits | 71.2969% | 4,233 |
| Net loans and leases to core deposits | 78.2804% | 4,022 |
| Total domestic deposits to total assets | 89.8857% | 1,027 |
| Equity capital to assets | 8.2394% | 6,480 |
| Core capital (leverage) ratio | 7.5749% | 6,694 |
| Tier 1 risk-based capital ratio | 10.9189% | 6,592 |
| Total risk-based capital ratio | 12.1754% | 6,556 |
| Memoranda: | ||
| Average total assets | $280,847,330 | 2,284 |
| Average earning assets | $262,172,000 | 2,234 |
| Average equity | $22,554,330 | 2,805 |
| Average total loans | $186,613,330 | 2,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 2,059 |
| Cost of funding earning assets | 1.2030% | 2,795 |
| Net interest margin | 4.0449% | 2,492 |
| Noninterest income to average assets | 0.6979% | 2,587 |
| Noninterest expense to average assets | 2.6076% | 5,193 |
| Loan and lease loss provision to assets | 0.2878% | 2,844 |
| Net operating income to assets | 1.4647% | 949 |
| Return on assets (ROA) | 1.2966% | 1,314 |
| Pretax return on assets | 1.4132% | 1,690 |
| Return on Equity (ROE) | 16.3643% | 642 |
| Retained earnings to average equity (ytd only) | 4.1774% | 3,658 |
| Net charge-offs to loans | 0.5978% | 1,997 |
| Credit loss provision to net charge-offs | 71.6846% | 3,322 |
| Earnings coverage of net charge-offs (x) | 4.6918% | 2,413 |
| Efficiency ratio | 58.0583% | 6,264 |
| Assets per employee ($millions) | 4.2359% | 3,380 |
| Cash dividends to net income (ytd only)* | 74.4728% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 3,589 |
| Loan loss allowance to noncurrent loans | 82.4254% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 2.2340% | 3,022 |
| Noncurrent loans to loans | 1.9835% | 3,594 |
| Net loans and leases to total assets | 63.8329% | 3,463 |
| Net loans and leases to deposits | 69.8431% | 4,363 |
| Net loans and leases to core deposits | 76.8414% | 4,186 |
| Total domestic deposits to total assets | 91.3947% | 446 |
| Equity capital to assets | 7.9746% | 6,522 |
| Core capital (leverage) ratio | 7.3690% | 6,815 |
| Tier 1 risk-based capital ratio | 10.6049% | 6,748 |
| Total risk-based capital ratio | 11.8432% | 6,737 |
| Memoranda: | ||
| Average total assets | $277,959,000 | 2,319 |
| Average earning assets | $260,677,000 | 2,265 |
| Average equity | $22,023,500 | 2,865 |
| Average total loans | $186,682,000 | 2,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6495% | 1,750 |
| Cost of funding earning assets | 1.4759% | 2,781 |
| Net interest margin | 4.1736% | 2,284 |
| Noninterest income to average assets | 0.7178% | 2,734 |
| Noninterest expense to average assets | 2.5013% | 5,790 |
| Loan and lease loss provision to assets | 0.5424% | 2,977 |
| Net operating income to assets | 1.4785% | 805 |
| Return on assets (ROA) | 1.5942% | 680 |
| Pretax return on assets | 1.7046% | 932 |
| Return on Equity (ROE) | 20.5912% | 219 |
| Retained earnings to average equity (ytd only) | 11.4068% | 341 |
| Net charge-offs to loans | 0.2737% | 4,656 |
| Credit loss provision to net charge-offs | 283.7573% | 961 |
| Earnings coverage of net charge-offs (x) | 11.1115% | 1,635 |
| Efficiency ratio | 54.0801% | 6,797 |
| Assets per employee ($millions) | 4.0614% | 3,660 |
| Cash dividends to net income (ytd only)* | 44.6035% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 3,455 |
| Loan loss allowance to noncurrent loans | 86.5266% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.7077% | 3,738 |
| Noncurrent loans to loans | 1.8870% | 3,702 |
| Net loans and leases to total assets | 68.3918% | 2,886 |
| Net loans and leases to deposits | 74.7041% | 4,081 |
| Net loans and leases to core deposits | 82.5362% | 3,813 |
| Total domestic deposits to total assets | 91.5503% | 387 |
| Equity capital to assets | 7.8698% | 6,620 |
| Core capital (leverage) ratio | 7.7292% | 6,517 |
| Tier 1 risk-based capital ratio | 10.3205% | 6,815 |
| Total risk-based capital ratio | 11.5564% | 6,796 |
| Memoranda: | ||
| Average total assets | $267,339,800 | 2,385 |
| Average earning assets | $250,289,600 | 2,342 |
| Average equity | $20,698,200 | 3,051 |
| Average total loans | $186,726,600 | 2,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 1,661 |
| Cost of funding earning assets | 1.5263% | 2,796 |
| Net interest margin | 4.1903% | 2,252 |
| Noninterest income to average assets | 0.7775% | 2,337 |
| Noninterest expense to average assets | 2.5098% | 5,685 |
| Loan and lease loss provision to assets | 0.5761% | 2,631 |
| Net operating income to assets | 1.5155% | 893 |
| Return on assets (ROA) | 1.6572% | 732 |
| Pretax return on assets | 1.7594% | 995 |
| Return on Equity (ROE) | 21.4950% | 221 |
| Retained earnings to average equity (ytd only) | 12.6839% | 385 |
| Net charge-offs to loans | 0.1247% | 5,306 |
| Credit loss provision to net charge-offs | 660.9195% | 447 |
| Earnings coverage of net charge-offs (x) | 25.0637% | 1,007 |
| Efficiency ratio | 53.4628% | 6,834 |
| Assets per employee ($millions) | 4.0616% | 3,711 |
| Cash dividends to net income (ytd only)* | 40.9914% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,331 |
| Loan loss allowance to noncurrent loans | 121.4452% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 4,349 |
| Noncurrent loans to loans | 1.3590% | 4,593 |
| Net loans and leases to total assets | 69.4915% | 2,853 |
| Net loans and leases to deposits | 76.3425% | 4,118 |
| Net loans and leases to core deposits | 84.6536% | 3,855 |
| Total domestic deposits to total assets | 91.0260% | 444 |
| Equity capital to assets | 8.1518% | 6,666 |
| Core capital (leverage) ratio | 7.5680% | 6,797 |
| Tier 1 risk-based capital ratio | 10.3879% | 6,838 |
| Total risk-based capital ratio | 11.6471% | 6,834 |
| Memoranda: | ||
| Average total assets | $266,145,750 | 2,430 |
| Average earning assets | $248,793,000 | 2,389 |
| Average equity | $20,519,000 | 3,119 |
| Average total loans | $186,109,750 | 2,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 1,903 |
| Cost of funding earning assets | 1.5401% | 3,013 |
| Net interest margin | 4.1225% | 2,458 |
| Noninterest income to average assets | 0.8037% | 2,096 |
| Noninterest expense to average assets | 2.4203% | 6,009 |
| Loan and lease loss provision to assets | 0.5650% | 2,512 |
| Net operating income to assets | 1.5762% | 772 |
| Return on assets (ROA) | 1.6414% | 708 |
| Pretax return on assets | 1.7431% | 975 |
| Return on Equity (ROE) | 21.7089% | 225 |
| Retained earnings to average equity (ytd only) | 12.7026% | 414 |
| Net charge-offs to loans | 0.0249% | 5,991 |
| Credit loss provision to net charge-offs | 3,260.8696% | 127 |
| Earnings coverage of net charge-offs (x) | 129.2174% | 259 |
| Efficiency ratio | 51.9483% | 7,074 |
| Assets per employee ($millions) | 4.1286% | 3,526 |
| Cash dividends to net income (ytd only)* | 41.4869% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 3,692 |
| Loan loss allowance to noncurrent loans | 107.0313% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 4,367 |
| Noncurrent loans to loans | 1.4430% | 4,547 |
| Net loans and leases to total assets | 67.3054% | 3,548 |
| Net loans and leases to deposits | 74.6648% | 4,575 |
| Net loans and leases to core deposits | 82.3143% | 4,370 |
| Total domestic deposits to total assets | 90.1433% | 844 |
| Equity capital to assets | 7.9406% | 6,816 |
| Core capital (leverage) ratio | 7.3230% | 6,977 |
| Tier 1 risk-based capital ratio | 9.7617% | 7,154 |
| Total risk-based capital ratio | 11.0186% | 7,133 |
| Memoranda: | ||
| Average total assets | $265,506,670 | 2,459 |
| Average earning assets | $248,298,000 | 2,410 |
| Average equity | $20,074,670 | 3,161 |
| Average total loans | $185,010,670 | 2,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 2,029 |
| Cost of funding earning assets | 1.5710% | 3,134 |
| Net interest margin | 4.0591% | 2,616 |
| Noninterest income to average assets | 0.8381% | 1,848 |
| Noninterest expense to average assets | 2.4258% | 5,996 |
| Loan and lease loss provision to assets | 0.6106% | 2,087 |
| Net operating income to assets | 1.4869% | 912 |
| Return on assets (ROA) | 1.4869% | 983 |
| Pretax return on assets | 1.5923% | 1,281 |
| Return on Equity (ROE) | 20.1933% | 372 |
| Retained earnings to average equity (ytd only) | 10.8223% | 952 |
| Net charge-offs to loans | 0.0456% | 4,958 |
| Credit loss provision to net charge-offs | 1,904.7619% | 268 |
| Earnings coverage of net charge-offs (x) | 68.7143% | 444 |
| Efficiency ratio | 52.4077% | 7,112 |
| Assets per employee ($millions) | 4.0752% | 3,696 |
| Cash dividends to net income (ytd only)* | 46.4066% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,633 |
| Loan loss allowance to noncurrent loans | 100.5167% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 4,373 |
| Noncurrent loans to loans | 1.3522% | 4,720 |
| Net loans and leases to total assets | 68.2384% | 3,330 |
| Net loans and leases to deposits | 75.0749% | 4,564 |
| Net loans and leases to core deposits | 83.8216% | 4,231 |
| Total domestic deposits to total assets | 90.8938% | 587 |
| Equity capital to assets | 7.3609% | 7,174 |
| Core capital (leverage) ratio | 7.0783% | 7,199 |
| Tier 1 risk-based capital ratio | 9.3623% | 7,369 |
| Total risk-based capital ratio | 10.6153% | 7,368 |
| Memoranda: | ||
| Average total assets | $262,017,500 | 2,548 |
| Average earning assets | $244,685,000 | 2,496 |
| Average equity | $19,293,500 | 3,295 |
| Average total loans | $184,379,000 | 2,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0653% | 1,621 |
| Cost of funding earning assets | 1.9224% | 3,343 |
| Net interest margin | 4.1429% | 2,272 |
| Noninterest income to average assets | 0.7803% | 2,512 |
| Noninterest expense to average assets | 2.5047% | 6,111 |
| Loan and lease loss provision to assets | 0.7001% | 3,019 |
| Net operating income to assets | 1.3214% | 993 |
| Return on assets (ROA) | 1.3099% | 1,057 |
| Pretax return on assets | 1.3962% | 1,448 |
| Return on Equity (ROE) | 17.5118% | 408 |
| Retained earnings to average equity (ytd only) | 5.7321% | 1,455 |
| Net charge-offs to loans | 0.9561% | 2,491 |
| Credit loss provision to net charge-offs | 101.5939% | 5,440 |
| Earnings coverage of net charge-offs (x) | 3.0596% | 3,541 |
| Efficiency ratio | 54.2945% | 7,200 |
| Assets per employee ($millions) | 3.9242% | 3,969 |
| Cash dividends to net income (ytd only)* | 67.2671% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,489 |
| Loan loss allowance to noncurrent loans | 215,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 5,056 |
| Noncurrent loans to loans | 0.0005% | 7,458 |
| Net loans and leases to total assets | 70.7811% | 3,062 |
| Net loans and leases to deposits | 77.9101% | 4,394 |
| Net loans and leases to core deposits | 103.8976% | 3,583 |
| Total domestic deposits to total assets | 90.8498% | 592 |
| Equity capital to assets | 7.3661% | 7,150 |
| Core capital (leverage) ratio | 7.4529% | 6,833 |
| Tier 1 risk-based capital ratio | 9.8397% | 6,991 |
| Total risk-based capital ratio | 10.9911% | 7,049 |
| Memoranda: | ||
| Average total assets | $245,818,400 | 2,651 |
| Average earning assets | $227,424,600 | 2,620 |
| Average equity | $18,387,600 | 3,445 |
| Average total loans | $177,178,400 | 2,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1601% | 1,474 |
| Cost of funding earning assets | 1.9884% | 3,423 |
| Net interest margin | 4.1717% | 2,151 |
| Noninterest income to average assets | 0.7737% | 2,579 |
| Noninterest expense to average assets | 2.4924% | 6,093 |
| Loan and lease loss provision to assets | 0.6352% | 2,851 |
| Net operating income to assets | 1.3801% | 1,067 |
| Return on assets (ROA) | 1.3650% | 1,151 |
| Pretax return on assets | 1.4828% | 1,465 |
| Return on Equity (ROE) | 18.1762% | 437 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,113 |
| Net charge-offs to loans | 0.9799% | 2,013 |
| Credit loss provision to net charge-offs | 89.7833% | 5,488 |
| Earnings coverage of net charge-offs (x) | 3.0170% | 3,724 |
| Efficiency ratio | 53.8698% | 7,247 |
| Assets per employee ($millions) | 4.1448% | 3,474 |
| Cash dividends to net income (ytd only)* | 68.7526% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 4,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.0510% | 3,028 |
| Net loans and leases to deposits | 80.4147% | 4,318 |
| Net loans and leases to core deposits | 105.3548% | 3,774 |
| Total domestic deposits to total assets | 89.5993% | 925 |
| Equity capital to assets | 7.6929% | 7,157 |
| Core capital (leverage) ratio | 7.3763% | 7,102 |
| Tier 1 risk-based capital ratio | 9.8887% | 7,063 |
| Total risk-based capital ratio | 10.9759% | 7,176 |
| Memoranda: | ||
| Average total assets | $243,504,250 | 2,695 |
| Average earning assets | $224,904,500 | 2,675 |
| Average equity | $18,287,250 | 3,484 |
| Average total loans | $175,799,250 | 2,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2126% | 1,414 |
| Cost of funding earning assets | 2.0580% | 3,485 |
| Net interest margin | 4.1546% | 2,143 |
| Noninterest income to average assets | 0.7718% | 2,575 |
| Noninterest expense to average assets | 2.5900% | 5,778 |
| Loan and lease loss provision to assets | 0.5046% | 3,015 |
| Net operating income to assets | 1.3790% | 1,072 |
| Return on assets (ROA) | 1.3227% | 1,250 |
| Pretax return on assets | 1.4402% | 1,623 |
| Return on Equity (ROE) | 17.7607% | 511 |
| Retained earnings to average equity (ytd only) | 7.7308% | 1,301 |
| Net charge-offs to loans | 0.8666% | 1,960 |
| Credit loss provision to net charge-offs | 80.9019% | 5,175 |
| Earnings coverage of net charge-offs (x) | 3.2162% | 3,525 |
| Efficiency ratio | 56.3535% | 7,075 |
| Assets per employee ($millions) | 4.0933% | 3,510 |
| Cash dividends to net income (ytd only)* | 56.4728% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 5,277 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.7567% | 3,520 |
| Net loans and leases to deposits | 78.9074% | 4,718 |
| Net loans and leases to core deposits | 104.1685% | 4,047 |
| Total domestic deposits to total assets | 89.6705% | 971 |
| Equity capital to assets | 7.4280% | 7,327 |
| Core capital (leverage) ratio | 7.4130% | 7,124 |
| Tier 1 risk-based capital ratio | 9.9968% | 6,933 |
| Total risk-based capital ratio | 11.0943% | 7,020 |
| Memoranda: | ||
| Average total assets | $241,777,330 | 2,735 |
| Average earning assets | $222,548,330 | 2,717 |
| Average equity | $18,006,000 | 3,547 |
| Average total loans | $174,008,670 | 2,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2037% | 1,592 |
| Cost of funding earning assets | 2.1178% | 3,571 |
| Net interest margin | 4.0859% | 2,330 |
| Noninterest income to average assets | 0.7971% | 2,342 |
| Noninterest expense to average assets | 2.4664% | 5,973 |
| Loan and lease loss provision to assets | 0.4753% | 2,573 |
| Net operating income to assets | 1.5111% | 919 |
| Return on assets (ROA) | 1.5809% | 893 |
| Pretax return on assets | 1.7076% | 1,163 |
| Return on Equity (ROE) | 21.1992% | 349 |
| Retained earnings to average equity (ytd only) | 11.0915% | 951 |
| Net charge-offs to loans | 1.5525% | 931 |
| Credit loss provision to net charge-offs | 42.4107% | 4,783 |
| Earnings coverage of net charge-offs (x) | 1.8810% | 3,783 |
| Efficiency ratio | 53.9191% | 7,227 |
| Assets per employee ($millions) | 4.1328% | 3,394 |
| Cash dividends to net income (ytd only)* | 47.6793% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,220 |
| Loan loss allowance to noncurrent loans | 107.0944% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 4,787 |
| Noncurrent loans to loans | 0.9290% | 5,141 |
| Net loans and leases to total assets | 70.8449% | 3,505 |
| Net loans and leases to deposits | 78.9665% | 4,777 |
| Net loans and leases to core deposits | 104.2832% | 4,108 |
| Total domestic deposits to total assets | 89.7151% | 927 |
| Equity capital to assets | 7.4715% | 7,372 |
| Core capital (leverage) ratio | 7.4245% | 7,248 |
| Tier 1 risk-based capital ratio | 10.0259% | 6,890 |
| Total risk-based capital ratio | 11.0026% | 7,112 |
| Memoranda: | ||
| Average total assets | $239,867,000 | 2,768 |
| Average earning assets | $221,738,000 | 2,738 |
| Average equity | $17,887,500 | 3,579 |
| Average total loans | $173,135,000 | 2,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5267% | 2,832 |
| Cost of funding earning assets | 2.5799% | 3,793 |
| Net interest margin | 3.9467% | 3,378 |
| Noninterest income to average assets | 0.9089% | 1,923 |
| Noninterest expense to average assets | 2.7279% | 5,141 |
| Loan and lease loss provision to assets | 0.1532% | 5,402 |
| Net operating income to assets | 1.6299% | 791 |
| Return on assets (ROA) | 1.6649% | 691 |
| Pretax return on assets | 1.7652% | 1,010 |
| Return on Equity (ROE) | 23.4747% | 194 |
| Retained earnings to average equity (ytd only) | 12.3330% | 205 |
| Net charge-offs to loans | 0.0703% | 5,766 |
| Credit loss provision to net charge-offs | 307.0175% | 1,468 |
| Earnings coverage of net charge-offs (x) | 37.6930% | 979 |
| Efficiency ratio | 59.1850% | 6,502 |
| Assets per employee ($millions) | 3.9317% | 3,653 |
| Cash dividends to net income (ytd only)* | 47.4625% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,258 |
| Loan loss allowance to noncurrent loans | 113.1593% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 4,363 |
| Noncurrent loans to loans | 1.0926% | 4,373 |
| Net loans and leases to total assets | 71.9228% | 3,606 |
| Net loans and leases to deposits | 80.1309% | 5,027 |
| Net loans and leases to core deposits | 108.2482% | 3,938 |
| Total domestic deposits to total assets | 89.7567% | 745 |
| Equity capital to assets | 7.4426% | 7,434 |
| Core capital (leverage) ratio | 7.6827% | 6,963 |
| Tier 1 risk-based capital ratio | 9.8549% | 6,897 |
| Total risk-based capital ratio | 11.0634% | 6,831 |
| Memoranda: | ||
| Average total assets | $228,419,800 | 2,786 |
| Average earning assets | $214,151,600 | 2,719 |
| Average equity | $16,200,400 | 3,887 |
| Average total loans | $162,257,400 | 2,744 |