Home > First Eagle Bank > Performance and Condition Ratios
First Eagle Bank, 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 | 5.1307% | 1,792 |
| Cost of funding earning assets | 1.3221% | 2,453 |
| Net interest margin | 3.8087% | 1,552 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.6385% | 4,207 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 2.3316% | 289 |
| Return on assets (ROA) | 2.0059% | 445 |
| Pretax return on assets | 2.0189% | 651 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.9262% | 2,982 |
| Net charge-offs to loans | -0.0016% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.3200% | 4,332 |
| Assets per employee ($millions) | 12.2463% | 388 |
| Cash dividends to net income (ytd only)* | 64.4499% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,332 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.2100% | 2,238 |
| Net loans and leases to deposits | 87.3154% | 1,500 |
| Net loans and leases to core deposits | 97.9799% | 1,544 |
| Total domestic deposits to total assets | 75.8300% | 3,956 |
| Equity capital to assets | 19.6407% | 292 |
| Core capital (leverage) ratio | 20.2469% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $570,471,200 | 1,552 |
| Average earning assets | $541,053,400 | 1,523 |
| Average equity | $103,612,200 | 921 |
| Average total loans | $370,976,400 | 1,543 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,759 |
| Cost of funding earning assets | 1.2128% | 2,393 |
| Net interest margin | 3.8243% | 1,547 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.6174% | 4,222 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 2.3182% | 321 |
| Return on assets (ROA) | 1.9469% | 531 |
| Pretax return on assets | 1.9594% | 794 |
| Return on Equity (ROE) | 10.9300% | 2,391 |
| Retained earnings to average equity (ytd only) | 2.5714% | 3,616 |
| Net charge-offs to loans | -0.0036% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.1037% | 4,328 |
| Assets per employee ($millions) | 12.8076% | 314 |
| Cash dividends to net income (ytd only)* | 76.4790% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,355 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.3500% | 2,404 |
| Net loans and leases to deposits | 83.3606% | 1,795 |
| Net loans and leases to core deposits | 93.9983% | 1,677 |
| Total domestic deposits to total assets | 77.2000% | 3,907 |
| Equity capital to assets | 17.6083% | 369 |
| Core capital (leverage) ratio | 19.6461% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $575,317,750 | 1,540 |
| Average earning assets | $545,723,750 | 1,509 |
| Average equity | $102,456,000 | 926 |
| Average total loans | $371,190,250 | 1,542 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 1,751 |
| Cost of funding earning assets | 1.1085% | 2,257 |
| Net interest margin | 3.7968% | 1,636 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.5914% | 4,264 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.3464% | 293 |
| Return on assets (ROA) | 1.8880% | 567 |
| Pretax return on assets | 1.9001% | 869 |
| Return on Equity (ROE) | 10.5600% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.8926% | 2,320 |
| Net charge-offs to loans | -0.0043% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.0643% | 4,392 |
| Assets per employee ($millions) | 12.4515% | 337 |
| Cash dividends to net income (ytd only)* | 34.7476% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.1400% | 2,470 |
| Net loans and leases to deposits | 82.9722% | 1,762 |
| Net loans and leases to core deposits | 93.2891% | 1,608 |
| Total domestic deposits to total assets | 76.1000% | 4,033 |
| Equity capital to assets | 18.3914% | 331 |
| Core capital (leverage) ratio | 19.5725% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $579,245,333 | 1,528 |
| Average earning assets | $549,406,333 | 1,499 |
| Average equity | $103,531,667 | 914 |
| Average total loans | $372,290,000 | 1,531 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,790 |
| Cost of funding earning assets | 0.9633% | 2,173 |
| Net interest margin | 3.7603% | 1,767 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.5870% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1220% | 418 |
| Return on assets (ROA) | 1.8569% | 599 |
| Pretax return on assets | 1.8686% | 953 |
| Return on Equity (ROE) | 10.5400% | 2,623 |
| Retained earnings to average equity (ytd only) | 6.4466% | 2,657 |
| Net charge-offs to loans | -0.0085% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.6226% | 4,361 |
| Assets per employee ($millions) | 13.4505% | 281 |
| Cash dividends to net income (ytd only)* | 38.8314% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,585 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.6300% | 2,390 |
| Net loans and leases to deposits | 86.1441% | 1,339 |
| Net loans and leases to core deposits | 97.1964% | 1,219 |
| Total domestic deposits to total assets | 72.7000% | 4,333 |
| Equity capital to assets | 17.7399% | 314 |
| Core capital (leverage) ratio | 19.3832% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $582,483,500 | 1,541 |
| Average earning assets | $552,293,500 | 1,511 |
| Average equity | $102,627,500 | 929 |
| Average total loans | $374,896,500 | 1,544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 767 |
| Cost of funding earning assets | 0.2592% | 2,611 |
| Net interest margin | 4.0201% | 616 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.5629% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.5093% | 155 |
| Return on assets (ROA) | 2.5093% | 153 |
| Pretax return on assets | 2.5251% | 210 |
| Return on Equity (ROE) | 14.3600% | 1,335 |
| Retained earnings to average equity (ytd only) | 1.8737% | 4,057 |
| Net charge-offs to loans | -0.0041% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.2309% | 4,612 |
| Assets per employee ($millions) | 12.5718% | 338 |
| Cash dividends to net income (ytd only)* | 86.9503% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.8100% | 2,111 |
| Net loans and leases to deposits | 81.7528% | 1,464 |
| Net loans and leases to core deposits | 89.0792% | 1,358 |
| Total domestic deposits to total assets | 78.0500% | 4,252 |
| Equity capital to assets | 16.1637% | 362 |
| Core capital (leverage) ratio | 18.5162% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $589,576,500 | 1,516 |
| Average earning assets | $551,939,250 | 1,502 |
| Average equity | $103,037,750 | 936 |
| Average total loans | $386,070,750 | 1,430 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 649 |
| Cost of funding earning assets | 0.2574% | 2,171 |
| Net interest margin | 3.9345% | 571 |
| Noninterest income to average assets | 0.3937% | 2,794 |
| Noninterest expense to average assets | 1.5624% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.5058% | 109 |
| Return on assets (ROA) | 2.5058% | 106 |
| Pretax return on assets | 2.5210% | 163 |
| Return on Equity (ROE) | 13.9967% | 1,115 |
| Retained earnings to average equity (ytd only) | 0.9715% | 4,000 |
| Net charge-offs to loans | -0.0056% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2615% | 4,647 |
| Assets per employee ($millions) | 12.6264% | 316 |
| Cash dividends to net income (ytd only)* | 93.0589% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.5677% | 1,750 |
| Net loans and leases to deposits | 85.5318% | 1,008 |
| Net loans and leases to core deposits | 92.3336% | 999 |
| Total domestic deposits to total assets | 76.6588% | 4,425 |
| Equity capital to assets | 17.1736% | 268 |
| Core capital (leverage) ratio | 18.2219% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $593,334,667 | 1,511 |
| Average earning assets | $556,411,667 | 1,503 |
| Average equity | $106,225,333 | 926 |
| Average total loans | $389,887,000 | 1,410 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 652 |
| Cost of funding earning assets | 0.2882% | 1,752 |
| Net interest margin | 3.7986% | 636 |
| Noninterest income to average assets | 0.5003% | 2,136 |
| Noninterest expense to average assets | 1.5691% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.4783% | 125 |
| Return on assets (ROA) | 2.4783% | 121 |
| Pretax return on assets | 2.4930% | 187 |
| Return on Equity (ROE) | 13.5752% | 916 |
| Retained earnings to average equity (ytd only) | -5.9745% | 4,454 |
| Net charge-offs to loans | -0.0061% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6270% | 4,669 |
| Assets per employee ($millions) | 13.5340% | 276 |
| Cash dividends to net income (ytd only)* | 144.0108% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.7128% | 1,532 |
| Net loans and leases to deposits | 85.5974% | 770 |
| Net loans and leases to core deposits | 93.8342% | 741 |
| Total domestic deposits to total assets | 75.6014% | 4,517 |
| Equity capital to assets | 17.3076% | 255 |
| Core capital (leverage) ratio | 17.9646% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $599,594,500 | 1,501 |
| Average earning assets | $562,203,500 | 1,496 |
| Average equity | $109,464,500 | 934 |
| Average total loans | $391,618,500 | 1,391 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 1,072 |
| Cost of funding earning assets | 0.3774% | 1,700 |
| Net interest margin | 3.7780% | 1,056 |
| Noninterest income to average assets | 0.5214% | 2,477 |
| Noninterest expense to average assets | 1.4552% | 4,582 |
| Loan and lease loss provision to assets | -0.1981% | 4,697 |
| Net operating income to assets | 2.7303% | 122 |
| Return on assets (ROA) | 2.7437% | 123 |
| Pretax return on assets | 2.7606% | 185 |
| Return on Equity (ROE) | 14.8949% | 976 |
| Retained earnings to average equity (ytd only) | 9.3381% | 1,087 |
| Net charge-offs to loans | -0.0280% | 4,097 |
| Credit loss provision to net charge-offs | 1,111.1111% | 490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3419% | 4,748 |
| Assets per employee ($millions) | 13.7203% | 260 |
| Cash dividends to net income (ytd only)* | 37.3067% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,826 |
| Loan loss allowance to noncurrent loans | 761.0354% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 3,081 |
| Noncurrent loans to loans | 0.1871% | 3,011 |
| Net loans and leases to total assets | 64.0552% | 1,694 |
| Net loans and leases to deposits | 86.7950% | 729 |
| Net loans and leases to core deposits | 95.1586% | 725 |
| Total domestic deposits to total assets | 73.8005% | 4,592 |
| Equity capital to assets | 19.1924% | 204 |
| Core capital (leverage) ratio | 17.6878% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $605,705,600 | 1,438 |
| Average earning assets | $558,358,800 | 1,457 |
| Average equity | $111,574,800 | 929 |
| Average total loans | $386,052,800 | 1,410 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 1,309 |
| Cost of funding earning assets | 0.3968% | 1,715 |
| Net interest margin | 3.6988% | 1,334 |
| Noninterest income to average assets | 0.6372% | 2,063 |
| Noninterest expense to average assets | 1.4371% | 4,655 |
| Loan and lease loss provision to assets | -0.1980% | 4,749 |
| Net operating income to assets | 2.7721% | 156 |
| Return on assets (ROA) | 2.7899% | 154 |
| Pretax return on assets | 2.8069% | 226 |
| Return on Equity (ROE) | 15.3054% | 1,089 |
| Retained earnings to average equity (ytd only) | 10.3585% | 1,209 |
| Net charge-offs to loans | -0.0350% | 4,202 |
| Credit loss provision to net charge-offs | 891.0891% | 548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6776% | 4,815 |
| Assets per employee ($millions) | 13.8525% | 251 |
| Cash dividends to net income (ytd only)* | 32.3216% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,602 |
| Loan loss allowance to noncurrent loans | 250.1702% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 1,938 |
| Noncurrent loans to loans | 0.6023% | 1,801 |
| Net loans and leases to total assets | 61.6489% | 2,048 |
| Net loans and leases to deposits | 82.4222% | 1,075 |
| Net loans and leases to core deposits | 91.2507% | 967 |
| Total domestic deposits to total assets | 74.7965% | 4,610 |
| Equity capital to assets | 18.3478% | 255 |
| Core capital (leverage) ratio | 17.2592% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,209,000 | 1,452 |
| Average earning assets | $555,733,750 | 1,477 |
| Average equity | $110,502,750 | 952 |
| Average total loans | $384,495,500 | 1,446 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 1,265 |
| Cost of funding earning assets | 0.4186% | 1,746 |
| Net interest margin | 3.7287% | 1,276 |
| Noninterest income to average assets | 0.1409% | 4,498 |
| Noninterest expense to average assets | 1.4108% | 4,709 |
| Loan and lease loss provision to assets | -0.1998% | 4,754 |
| Net operating income to assets | 2.3421% | 268 |
| Return on assets (ROA) | 2.3444% | 284 |
| Pretax return on assets | 2.3591% | 438 |
| Return on Equity (ROE) | 12.8904% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.9532% | 1,723 |
| Net charge-offs to loans | -0.0502% | 4,373 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5444% | 4,762 |
| Assets per employee ($millions) | 13.7546% | 247 |
| Cash dividends to net income (ytd only)* | 30.5441% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,308 |
| Loan loss allowance to noncurrent loans | 360.6308% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 2,545 |
| Noncurrent loans to loans | 0.4399% | 2,353 |
| Net loans and leases to total assets | 61.8802% | 2,194 |
| Net loans and leases to deposits | 82.3692% | 1,192 |
| Net loans and leases to core deposits | 91.0111% | 1,064 |
| Total domestic deposits to total assets | 75.1254% | 4,609 |
| Equity capital to assets | 18.0137% | 264 |
| Core capital (leverage) ratio | 17.1071% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,491,333 | 1,459 |
| Average earning assets | $551,886,667 | 1,481 |
| Average equity | $109,212,667 | 953 |
| Average total loans | $382,602,333 | 1,460 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 1,116 |
| Cost of funding earning assets | 0.4454% | 1,756 |
| Net interest margin | 3.8050% | 1,128 |
| Noninterest income to average assets | 0.1407% | 4,504 |
| Noninterest expense to average assets | 1.4207% | 4,722 |
| Loan and lease loss provision to assets | -0.2030% | 4,813 |
| Net operating income to assets | 2.4159% | 305 |
| Return on assets (ROA) | 2.4206% | 327 |
| Pretax return on assets | 2.4362% | 492 |
| Return on Equity (ROE) | 13.2432% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.1718% | 1,899 |
| Net charge-offs to loans | -0.0949% | 4,622 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9321% | 4,781 |
| Assets per employee ($millions) | 14.9227% | 202 |
| Cash dividends to net income (ytd only)* | 30.7434% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 1,088 |
| Loan loss allowance to noncurrent loans | 377.8037% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 2,713 |
| Noncurrent loans to loans | 0.4456% | 2,519 |
| Net loans and leases to total assets | 63.2751% | 2,139 |
| Net loans and leases to deposits | 84.3309% | 1,115 |
| Net loans and leases to core deposits | 93.8424% | 990 |
| Total domestic deposits to total assets | 75.0319% | 4,627 |
| Equity capital to assets | 18.0447% | 255 |
| Core capital (leverage) ratio | 17.4291% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,259,000 | 1,466 |
| Average earning assets | $545,174,500 | 1,487 |
| Average equity | $108,070,500 | 950 |
| Average total loans | $379,311,000 | 1,466 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,695 |
| Cost of funding earning assets | 0.8293% | 1,095 |
| Net interest margin | 3.5299% | 2,373 |
| Noninterest income to average assets | 0.3645% | 3,290 |
| Noninterest expense to average assets | 1.4944% | 4,783 |
| Loan and lease loss provision to assets | -0.0536% | 4,939 |
| Net operating income to assets | 2.2491% | 177 |
| Return on assets (ROA) | 2.2783% | 181 |
| Pretax return on assets | 2.2928% | 261 |
| Return on Equity (ROE) | 12.5436% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.2782% | 1,289 |
| Net charge-offs to loans | 0.0256% | 2,524 |
| Credit loss provision to net charge-offs | -309.2784% | 3,857 |
| Earnings coverage of net charge-offs (x) | 127.4330% | 669 |
| Efficiency ratio | 40.3455% | 4,862 |
| Assets per employee ($millions) | 14.6403% | 195 |
| Cash dividends to net income (ytd only)* | 41.9772% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 884 |
| Loan loss allowance to noncurrent loans | 390.0701% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 2,826 |
| Noncurrent loans to loans | 0.4572% | 2,599 |
| Net loans and leases to total assets | 62.8032% | 2,510 |
| Net loans and leases to deposits | 83.6380% | 1,494 |
| Net loans and leases to core deposits | 93.2454% | 1,290 |
| Total domestic deposits to total assets | 75.0893% | 4,571 |
| Equity capital to assets | 18.5158% | 245 |
| Core capital (leverage) ratio | 17.4012% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,410,600 | 1,421 |
| Average earning assets | $529,243,600 | 1,393 |
| Average equity | $101,605,400 | 952 |
| Average total loans | $378,475,800 | 1,423 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 1,859 |
| Cost of funding earning assets | 0.9061% | 1,049 |
| Net interest margin | 3.4893% | 2,623 |
| Noninterest income to average assets | 0.3914% | 3,122 |
| Noninterest expense to average assets | 1.5442% | 4,775 |
| Loan and lease loss provision to assets | -0.0724% | 4,991 |
| Net operating income to assets | 2.2244% | 198 |
| Return on assets (ROA) | 2.2624% | 197 |
| Pretax return on assets | 2.2771% | 292 |
| Return on Equity (ROE) | 12.5203% | 1,243 |
| Retained earnings to average equity (ytd only) | 6.8481% | 1,763 |
| Net charge-offs to loans | 0.0056% | 2,939 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | 561.4375% | 212 |
| Efficiency ratio | 41.6158% | 4,860 |
| Assets per employee ($millions) | 13.0192% | 254 |
| Cash dividends to net income (ytd only)* | 45.3043% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 731 |
| Loan loss allowance to noncurrent loans | 394.8014% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 2,936 |
| Noncurrent loans to loans | 0.4551% | 2,683 |
| Net loans and leases to total assets | 65.9903% | 2,520 |
| Net loans and leases to deposits | 85.6961% | 1,742 |
| Net loans and leases to core deposits | 96.1196% | 1,448 |
| Total domestic deposits to total assets | 77.0050% | 4,326 |
| Equity capital to assets | 18.7275% | 255 |
| Core capital (leverage) ratio | 17.2702% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,860,250 | 1,416 |
| Average earning assets | $525,905,500 | 1,386 |
| Average equity | $99,899,000 | 956 |
| Average total loans | $379,479,500 | 1,416 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,033 |
| Cost of funding earning assets | 0.9763% | 1,053 |
| Net interest margin | 3.4840% | 2,844 |
| Noninterest income to average assets | 0.5108% | 2,524 |
| Noninterest expense to average assets | 1.5755% | 4,799 |
| Loan and lease loss provision to assets | -0.1090% | 5,030 |
| Net operating income to assets | 2.3435% | 176 |
| Return on assets (ROA) | 2.3780% | 180 |
| Pretax return on assets | 2.3926% | 255 |
| Return on Equity (ROE) | 13.3250% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.5235% | 1,454 |
| Net charge-offs to loans | 0.0084% | 2,648 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,877 |
| Earnings coverage of net charge-offs (x) | 386.8750% | 266 |
| Efficiency ratio | 41.1988% | 4,882 |
| Assets per employee ($millions) | 13.5478% | 221 |
| Cash dividends to net income (ytd only)* | 43.5380% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.3366% | 2,446 |
| Net loans and leases to deposits | 86.6252% | 1,703 |
| Net loans and leases to core deposits | 97.6776% | 1,437 |
| Total domestic deposits to total assets | 77.7333% | 4,222 |
| Equity capital to assets | 18.0432% | 298 |
| Core capital (leverage) ratio | 17.0170% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,538,667 | 1,391 |
| Average earning assets | $523,598,667 | 1,366 |
| Average equity | $98,251,667 | 961 |
| Average total loans | $380,576,333 | 1,394 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 2,122 |
| Cost of funding earning assets | 1.0756% | 1,117 |
| Net interest margin | 3.4867% | 3,027 |
| Noninterest income to average assets | 0.2631% | 3,964 |
| Noninterest expense to average assets | 1.6420% | 4,829 |
| Loan and lease loss provision to assets | -0.2217% | 5,087 |
| Net operating income to assets | 2.1419% | 206 |
| Return on assets (ROA) | 2.1784% | 206 |
| Pretax return on assets | 2.1925% | 300 |
| Return on Equity (ROE) | 12.2777% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.9459% | 990 |
| Net charge-offs to loans | -0.0106% | 4,101 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9186% | 4,834 |
| Assets per employee ($millions) | 11.3443% | 277 |
| Cash dividends to net income (ytd only)* | 27.1370% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.0010% | 2,538 |
| Net loans and leases to deposits | 89.9931% | 1,513 |
| Net loans and leases to core deposits | 103.0244% | 1,243 |
| Total domestic deposits to total assets | 75.5625% | 4,529 |
| Equity capital to assets | 17.8512% | 368 |
| Core capital (leverage) ratio | 17.2612% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,304,500 | 1,373 |
| Average earning assets | $514,302,500 | 1,343 |
| Average equity | $96,044,000 | 975 |
| Average total loans | $375,910,000 | 1,364 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 1,689 |
| Cost of funding earning assets | 1.0603% | 1,475 |
| Net interest margin | 3.8622% | 2,296 |
| Noninterest income to average assets | 0.3374% | 3,689 |
| Noninterest expense to average assets | 1.6150% | 4,941 |
| Loan and lease loss provision to assets | -0.0966% | 5,072 |
| Net operating income to assets | 2.4516% | 143 |
| Return on assets (ROA) | 2.4711% | 149 |
| Pretax return on assets | 2.4866% | 217 |
| Return on Equity (ROE) | 14.2837% | 845 |
| Retained earnings to average equity (ytd only) | 9.2849% | 643 |
| Net charge-offs to loans | 0.0129% | 3,226 |
| Credit loss provision to net charge-offs | -1,020.4082% | 4,525 |
| Earnings coverage of net charge-offs (x) | 250.3061% | 330 |
| Efficiency ratio | 40.5247% | 5,059 |
| Assets per employee ($millions) | 11.9574% | 226 |
| Cash dividends to net income (ytd only)* | 34.9965% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.3308% | 2,633 |
| Net loans and leases to deposits | 88.0919% | 1,830 |
| Net loans and leases to core deposits | 103.0358% | 1,310 |
| Total domestic deposits to total assets | 77.5677% | 4,424 |
| Equity capital to assets | 17.6336% | 401 |
| Core capital (leverage) ratio | 17.1036% | 403 |
| Tier 1 risk-based capital ratio | 23.1630% | 903 |
| Total risk-based capital ratio | 24.4196% | 881 |
| Memoranda: | ||
| Average total assets | $517,463,400 | 1,381 |
| Average earning assets | $488,739,800 | 1,358 |
| Average equity | $89,521,400 | 979 |
| Average total loans | $378,746,200 | 1,332 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 1,639 |
| Cost of funding earning assets | 1.0441% | 1,562 |
| Net interest margin | 3.9196% | 2,193 |
| Noninterest income to average assets | 0.3149% | 3,868 |
| Noninterest expense to average assets | 1.6250% | 4,985 |
| Loan and lease loss provision to assets | -0.0976% | 5,159 |
| Net operating income to assets | 2.4652% | 171 |
| Return on assets (ROA) | 2.4761% | 180 |
| Pretax return on assets | 2.4914% | 253 |
| Return on Equity (ROE) | 14.3852% | 912 |
| Retained earnings to average equity (ytd only) | 9.2066% | 990 |
| Net charge-offs to loans | 0.0225% | 2,652 |
| Credit loss provision to net charge-offs | -585.9375% | 4,351 |
| Earnings coverage of net charge-offs (x) | 143.0645% | 557 |
| Efficiency ratio | 40.5455% | 5,109 |
| Assets per employee ($millions) | 12.5892% | 186 |
| Cash dividends to net income (ytd only)* | 35.9995% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.9687% | 2,479 |
| Net loans and leases to deposits | 88.2323% | 1,905 |
| Net loans and leases to core deposits | 105.1086% | 1,250 |
| Total domestic deposits to total assets | 79.3005% | 4,119 |
| Equity capital to assets | 17.5823% | 424 |
| Core capital (leverage) ratio | 17.3508% | 399 |
| Tier 1 risk-based capital ratio | 22.5244% | 1,005 |
| Total risk-based capital ratio | 23.7814% | 971 |
| Memoranda: | ||
| Average total assets | $512,308,000 | 1,400 |
| Average earning assets | $482,688,250 | 1,375 |
| Average equity | $88,180,750 | 994 |
| Average total loans | $379,744,500 | 1,335 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 1,308 |
| Cost of funding earning assets | 1.0276% | 1,575 |
| Net interest margin | 4.0390% | 1,798 |
| Noninterest income to average assets | 0.3749% | 3,434 |
| Noninterest expense to average assets | 1.6582% | 5,019 |
| Loan and lease loss provision to assets | -0.0987% | 5,209 |
| Net operating income to assets | 2.5934% | 138 |
| Return on assets (ROA) | 2.5934% | 142 |
| Pretax return on assets | 2.6092% | 207 |
| Return on Equity (ROE) | 15.1803% | 724 |
| Retained earnings to average equity (ytd only) | 9.9832% | 760 |
| Net charge-offs to loans | 0.0084% | 2,840 |
| Credit loss provision to net charge-offs | -1,562.5000% | 4,344 |
| Earnings coverage of net charge-offs (x) | 397.6250% | 197 |
| Efficiency ratio | 39.7766% | 5,168 |
| Assets per employee ($millions) | 12.0851% | 205 |
| Cash dividends to net income (ytd only)* | 34.2362% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 481 |
| Loan loss allowance to noncurrent loans | 6,569.6429% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,671 |
| Noncurrent loans to loans | 0.0304% | 4,565 |
| Net loans and leases to total assets | 71.1061% | 2,362 |
| Net loans and leases to deposits | 89.4961% | 1,800 |
| Net loans and leases to core deposits | 107.0808% | 1,169 |
| Total domestic deposits to total assets | 79.4517% | 4,138 |
| Equity capital to assets | 17.7932% | 398 |
| Core capital (leverage) ratio | 17.0868% | 419 |
| Tier 1 risk-based capital ratio | 22.7084% | 971 |
| Total risk-based capital ratio | 23.9666% | 955 |
| Memoranda: | ||
| Average total assets | $506,828,000 | 1,414 |
| Average earning assets | $476,054,330 | 1,395 |
| Average equity | $86,585,670 | 1,012 |
| Average total loans | $380,611,670 | 1,334 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 1,130 |
| Cost of funding earning assets | 1.0073% | 1,541 |
| Net interest margin | 4.0762% | 1,619 |
| Noninterest income to average assets | 0.3759% | 3,344 |
| Noninterest expense to average assets | 1.6744% | 5,041 |
| Loan and lease loss provision to assets | -0.0987% | 5,290 |
| Net operating income to assets | 2.6198% | 134 |
| Return on assets (ROA) | 2.6198% | 143 |
| Pretax return on assets | 2.6356% | 200 |
| Return on Equity (ROE) | 15.6607% | 641 |
| Retained earnings to average equity (ytd only) | 10.7977% | 848 |
| Net charge-offs to loans | 0.0114% | 2,281 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,950 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 277 |
| Efficiency ratio | 39.7599% | 5,213 |
| Assets per employee ($millions) | 11.0060% | 260 |
| Cash dividends to net income (ytd only)* | 31.0522% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 544 |
| Loan loss allowance to noncurrent loans | 6,685.7143% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,746 |
| Noncurrent loans to loans | 0.0293% | 4,649 |
| Net loans and leases to total assets | 74.1262% | 1,779 |
| Net loans and leases to deposits | 92.5663% | 1,332 |
| Net loans and leases to core deposits | 111.8438% | 840 |
| Total domestic deposits to total assets | 80.0791% | 4,163 |
| Equity capital to assets | 17.1303% | 436 |
| Core capital (leverage) ratio | 16.7993% | 446 |
| Tier 1 risk-based capital ratio | 21.8427% | 1,068 |
| Total risk-based capital ratio | 23.1011% | 1,044 |
| Memoranda: | ||
| Average total assets | $506,454,500 | 1,418 |
| Average earning assets | $476,523,000 | 1,398 |
| Average equity | $84,721,500 | 1,018 |
| Average total loans | $386,780,000 | 1,322 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 969 |
| Cost of funding earning assets | 0.7978% | 1,530 |
| Net interest margin | 4.2389% | 1,302 |
| Noninterest income to average assets | 0.5198% | 2,719 |
| Noninterest expense to average assets | 1.7237% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.7835% | 104 |
| Return on assets (ROA) | 2.7835% | 103 |
| Pretax return on assets | 2.8009% | 132 |
| Return on Equity (ROE) | 17.5487% | 435 |
| Retained earnings to average equity (ytd only) | 11.2246% | 400 |
| Net charge-offs to loans | -0.0016% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0971% | 5,304 |
| Assets per employee ($millions) | 10.3394% | 313 |
| Cash dividends to net income (ytd only)* | 36.0377% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 521 |
| Loan loss allowance to noncurrent loans | 4,856.0510% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,700 |
| Noncurrent loans to loans | 0.0402% | 4,576 |
| Net loans and leases to total assets | 75.6296% | 1,670 |
| Net loans and leases to deposits | 94.4696% | 1,229 |
| Net loans and leases to core deposits | 113.1465% | 824 |
| Total domestic deposits to total assets | 80.0571% | 4,094 |
| Equity capital to assets | 16.3266% | 487 |
| Core capital (leverage) ratio | 16.1425% | 497 |
| Tier 1 risk-based capital ratio | 20.8457% | 1,172 |
| Total risk-based capital ratio | 22.1038% | 1,154 |
| Memoranda: | ||
| Average total assets | $495,955,400 | 1,419 |
| Average earning assets | $468,565,600 | 1,392 |
| Average equity | $78,666,600 | 1,046 |
| Average total loans | $384,974,600 | 1,293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 1,020 |
| Cost of funding earning assets | 0.7303% | 1,684 |
| Net interest margin | 4.2293% | 1,288 |
| Noninterest income to average assets | 0.6033% | 2,292 |
| Noninterest expense to average assets | 1.7220% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.8602% | 94 |
| Return on assets (ROA) | 2.8602% | 93 |
| Pretax return on assets | 2.8778% | 130 |
| Return on Equity (ROE) | 18.1690% | 411 |
| Retained earnings to average equity (ytd only) | 12.2025% | 454 |
| Net charge-offs to loans | -0.0010% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4368% | 5,375 |
| Assets per employee ($millions) | 10.4360% | 286 |
| Cash dividends to net income (ytd only)* | 32.8388% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 564 |
| Loan loss allowance to noncurrent loans | 918.1928% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,149 |
| Noncurrent loans to loans | 0.2094% | 3,961 |
| Net loans and leases to total assets | 76.0320% | 1,655 |
| Net loans and leases to deposits | 93.9532% | 1,384 |
| Net loans and leases to core deposits | 112.6581% | 885 |
| Total domestic deposits to total assets | 80.9254% | 3,886 |
| Equity capital to assets | 15.6737% | 587 |
| Core capital (leverage) ratio | 15.9503% | 523 |
| Tier 1 risk-based capital ratio | 20.1671% | 1,304 |
| Total risk-based capital ratio | 21.4250% | 1,274 |
| Memoranda: | ||
| Average total assets | $493,286,250 | 1,429 |
| Average earning assets | $466,128,250 | 1,402 |
| Average equity | $77,654,250 | 1,053 |
| Average total loans | $383,521,250 | 1,302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 1,035 |
| Cost of funding earning assets | 0.6645% | 1,843 |
| Net interest margin | 4.2300% | 1,212 |
| Noninterest income to average assets | 0.7175% | 1,804 |
| Noninterest expense to average assets | 1.7449% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.9606% | 86 |
| Return on assets (ROA) | 2.9606% | 86 |
| Pretax return on assets | 2.9783% | 115 |
| Return on Equity (ROE) | 18.7784% | 349 |
| Retained earnings to average equity (ytd only) | 13.1811% | 355 |
| Net charge-offs to loans | 0.0021% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,814.0000% | 36 |
| Efficiency ratio | 36.9427% | 5,437 |
| Assets per employee ($millions) | 10.1964% | 298 |
| Cash dividends to net income (ytd only)* | 29.8073% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 577 |
| Loan loss allowance to noncurrent loans | 906.4286% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 4,149 |
| Noncurrent loans to loans | 0.2141% | 3,954 |
| Net loans and leases to total assets | 77.0103% | 1,466 |
| Net loans and leases to deposits | 98.3847% | 941 |
| Net loans and leases to core deposits | 120.5014% | 551 |
| Total domestic deposits to total assets | 78.2746% | 4,543 |
| Equity capital to assets | 15.7707% | 543 |
| Core capital (leverage) ratio | 15.9348% | 510 |
| Tier 1 risk-based capital ratio | 19.9504% | 1,326 |
| Total risk-based capital ratio | 21.2088% | 1,297 |
| Memoranda: | ||
| Average total assets | $487,260,000 | 1,450 |
| Average earning assets | $461,413,330 | 1,420 |
| Average equity | $76,822,330 | 1,061 |
| Average total loans | $379,221,000 | 1,310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 1,146 |
| Cost of funding earning assets | 0.6040% | 2,035 |
| Net interest margin | 4.1649% | 1,264 |
| Noninterest income to average assets | 1.0809% | 785 |
| Noninterest expense to average assets | 1.7743% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.2311% | 73 |
| Return on assets (ROA) | 3.2311% | 75 |
| Pretax return on assets | 3.2510% | 94 |
| Return on Equity (ROE) | 20.4967% | 219 |
| Retained earnings to average equity (ytd only) | 14.9585% | 329 |
| Net charge-offs to loans | 0.0011% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3,910.0000% | 14 |
| Efficiency ratio | 35.3077% | 5,518 |
| Assets per employee ($millions) | 10.1185% | 312 |
| Cash dividends to net income (ytd only)* | 27.0201% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 530 |
| Loan loss allowance to noncurrent loans | 891.9204% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,206 |
| Noncurrent loans to loans | 0.2257% | 3,968 |
| Net loans and leases to total assets | 76.3296% | 1,486 |
| Net loans and leases to deposits | 103.7571% | 489 |
| Net loans and leases to core deposits | 125.7447% | 429 |
| Total domestic deposits to total assets | 73.5657% | 5,189 |
| Equity capital to assets | 15.8024% | 519 |
| Core capital (leverage) ratio | 15.9891% | 490 |
| Tier 1 risk-based capital ratio | 19.8812% | 1,364 |
| Total risk-based capital ratio | 21.1400% | 1,333 |
| Memoranda: | ||
| Average total assets | $481,078,500 | 1,469 |
| Average earning assets | $455,621,000 | 1,444 |
| Average equity | $75,836,500 | 1,083 |
| Average total loans | $372,644,000 | 1,332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 954 |
| Cost of funding earning assets | 0.5181% | 2,194 |
| Net interest margin | 4.2962% | 971 |
| Noninterest income to average assets | 0.4168% | 3,525 |
| Noninterest expense to average assets | 1.7358% | 5,297 |
| Loan and lease loss provision to assets | 0.0606% | 3,024 |
| Net operating income to assets | 2.6424% | 100 |
| Return on assets (ROA) | 2.6424% | 100 |
| Pretax return on assets | 2.6594% | 144 |
| Return on Equity (ROE) | 17.4172% | 357 |
| Retained earnings to average equity (ytd only) | 9.6163% | 404 |
| Net charge-offs to loans | -0.0117% | 4,824 |
| Credit loss provision to net charge-offs | -685.7143% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9555% | 5,540 |
| Assets per employee ($millions) | 10.3580% | 284 |
| Cash dividends to net income (ytd only)* | 44.7886% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 463 |
| Loan loss allowance to noncurrent loans | 877.6498% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 4,216 |
| Noncurrent loans to loans | 0.2365% | 3,956 |
| Net loans and leases to total assets | 75.4150% | 1,692 |
| Net loans and leases to deposits | 99.0479% | 812 |
| Net loans and leases to core deposits | 120.5809% | 567 |
| Total domestic deposits to total assets | 76.1399% | 4,965 |
| Equity capital to assets | 15.7246% | 552 |
| Core capital (leverage) ratio | 15.5330% | 536 |
| Tier 1 risk-based capital ratio | 19.7626% | 1,365 |
| Total risk-based capital ratio | 21.0221% | 1,331 |
| Memoranda: | ||
| Average total assets | $475,288,200 | 1,461 |
| Average earning assets | $446,841,800 | 1,442 |
| Average equity | $72,106,800 | 1,102 |
| Average total loans | $359,004,200 | 1,350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 1,021 |
| Cost of funding earning assets | 0.5065% | 2,212 |
| Net interest margin | 4.2461% | 1,058 |
| Noninterest income to average assets | 0.4079% | 3,633 |
| Noninterest expense to average assets | 1.7139% | 5,354 |
| Loan and lease loss provision to assets | 0.0808% | 2,472 |
| Net operating income to assets | 2.5813% | 122 |
| Return on assets (ROA) | 2.5813% | 123 |
| Pretax return on assets | 2.5973% | 181 |
| Return on Equity (ROE) | 17.1716% | 401 |
| Retained earnings to average equity (ytd only) | 9.8425% | 617 |
| Net charge-offs to loans | -0.0149% | 4,755 |
| Credit loss provision to net charge-offs | -720.0000% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0235% | 5,602 |
| Assets per employee ($millions) | 10.7374% | 254 |
| Cash dividends to net income (ytd only)* | 42.6816% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1460% | 443 |
| Loan loss allowance to noncurrent loans | 837.8438% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,335 |
| Noncurrent loans to loans | 0.2561% | 4,044 |
| Net loans and leases to total assets | 73.5075% | 2,000 |
| Net loans and leases to deposits | 94.3696% | 1,258 |
| Net loans and leases to core deposits | 117.6066% | 677 |
| Total domestic deposits to total assets | 77.8932% | 4,748 |
| Equity capital to assets | 15.7180% | 598 |
| Core capital (leverage) ratio | 15.5793% | 564 |
| Tier 1 risk-based capital ratio | 19.6688% | 1,445 |
| Total risk-based capital ratio | 20.9289% | 1,403 |
| Memoranda: | ||
| Average total assets | $474,992,750 | 1,477 |
| Average earning assets | $445,700,500 | 1,458 |
| Average equity | $71,402,750 | 1,118 |
| Average total loans | $357,018,250 | 1,371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 936 |
| Cost of funding earning assets | 0.5014% | 2,154 |
| Net interest margin | 4.2634% | 948 |
| Noninterest income to average assets | 0.4728% | 3,201 |
| Noninterest expense to average assets | 1.7426% | 5,378 |
| Loan and lease loss provision to assets | 0.1210% | 1,710 |
| Net operating income to assets | 2.5887% | 120 |
| Return on assets (ROA) | 2.5887% | 118 |
| Pretax return on assets | 2.6046% | 186 |
| Return on Equity (ROE) | 17.4846% | 371 |
| Retained earnings to average equity (ytd only) | 10.3164% | 532 |
| Net charge-offs to loans | -0.0078% | 4,455 |
| Credit loss provision to net charge-offs | -2,057.1429% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9992% | 5,647 |
| Assets per employee ($millions) | 10.7286% | 247 |
| Cash dividends to net income (ytd only)* | 40.9969% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.5221% | 2,119 |
| Net loans and leases to deposits | 90.9810% | 1,611 |
| Net loans and leases to core deposits | 113.6180% | 815 |
| Total domestic deposits to total assets | 79.7113% | 4,476 |
| Equity capital to assets | 15.4394% | 627 |
| Core capital (leverage) ratio | 14.9457% | 642 |
| Tier 1 risk-based capital ratio | 19.6408% | 1,439 |
| Total risk-based capital ratio | 20.9012% | 1,400 |
| Memoranda: | ||
| Average total assets | $475,841,330 | 1,479 |
| Average earning assets | $445,931,000 | 1,462 |
| Average equity | $70,450,670 | 1,131 |
| Average total loans | $357,724,330 | 1,366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 1,072 |
| Cost of funding earning assets | 0.4991% | 2,093 |
| Net interest margin | 4.1280% | 1,148 |
| Noninterest income to average assets | 0.6606% | 2,136 |
| Noninterest expense to average assets | 1.7340% | 5,445 |
| Loan and lease loss provision to assets | 0.1206% | 1,587 |
| Net operating income to assets | 2.6818% | 110 |
| Return on assets (ROA) | 2.6818% | 115 |
| Pretax return on assets | 2.6977% | 169 |
| Return on Equity (ROE) | 18.5052% | 312 |
| Retained earnings to average equity (ytd only) | 11.5723% | 520 |
| Net charge-offs to loans | -0.0055% | 4,217 |
| Credit loss provision to net charge-offs | -2,880.0000% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0909% | 5,724 |
| Assets per employee ($millions) | 10.3610% | 269 |
| Cash dividends to net income (ytd only)* | 37.4649% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 595 |
| Loan loss allowance to noncurrent loans | 5,902.3810% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,212 |
| Noncurrent loans to loans | 0.0349% | 5,059 |
| Net loans and leases to total assets | 74.1000% | 1,716 |
| Net loans and leases to deposits | 93.6762% | 1,145 |
| Net loans and leases to core deposits | 115.0914% | 629 |
| Total domestic deposits to total assets | 79.1022% | 4,805 |
| Equity capital to assets | 14.7938% | 693 |
| Core capital (leverage) ratio | 14.5128% | 708 |
| Tier 1 risk-based capital ratio | 18.3386% | 1,776 |
| Total risk-based capital ratio | 19.5975% | 1,739 |
| Memoranda: | ||
| Average total assets | $477,732,000 | 1,479 |
| Average earning assets | $450,391,500 | 1,455 |
| Average equity | $69,234,500 | 1,146 |
| Average total loans | $361,617,500 | 1,358 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,136 |
| Cost of funding earning assets | 0.5157% | 1,975 |
| Net interest margin | 4.1466% | 1,252 |
| Noninterest income to average assets | 0.3424% | 4,288 |
| Noninterest expense to average assets | 1.7080% | 5,556 |
| Loan and lease loss provision to assets | 0.1189% | 2,082 |
| Net operating income to assets | 2.3153% | 195 |
| Return on assets (ROA) | 2.3158% | 204 |
| Pretax return on assets | 2.3302% | 258 |
| Return on Equity (ROE) | 16.4523% | 462 |
| Retained earnings to average equity (ytd only) | 0.0939% | 5,276 |
| Net charge-offs to loans | -0.0149% | 5,048 |
| Credit loss provision to net charge-offs | -1,107.6923% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0900% | 5,768 |
| Assets per employee ($millions) | 10.6413% | 253 |
| Cash dividends to net income (ytd only)* | 99.4293% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 645 |
| Loan loss allowance to noncurrent loans | 5,784.1270% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,278 |
| Noncurrent loans to loans | 0.0347% | 5,120 |
| Net loans and leases to total assets | 74.2068% | 1,816 |
| Net loans and leases to deposits | 97.5646% | 860 |
| Net loans and leases to core deposits | 121.4734% | 444 |
| Total domestic deposits to total assets | 76.0591% | 5,232 |
| Equity capital to assets | 14.1923% | 830 |
| Core capital (leverage) ratio | 13.7459% | 885 |
| Tier 1 risk-based capital ratio | 17.7008% | 1,944 |
| Total risk-based capital ratio | 18.9590% | 1,907 |
| Memoranda: | ||
| Average total assets | $484,247,800 | 1,422 |
| Average earning assets | $445,444,600 | 1,426 |
| Average equity | $68,160,800 | 1,149 |
| Average total loans | $349,015,200 | 1,346 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,188 |
| Cost of funding earning assets | 0.5310% | 1,869 |
| Net interest margin | 4.1192% | 1,344 |
| Noninterest income to average assets | 0.3600% | 4,202 |
| Noninterest expense to average assets | 1.7034% | 5,606 |
| Loan and lease loss provision to assets | 0.1186% | 1,951 |
| Net operating income to assets | 2.2877% | 214 |
| Return on assets (ROA) | 2.2883% | 225 |
| Pretax return on assets | 2.3023% | 316 |
| Return on Equity (ROE) | 16.2903% | 513 |
| Retained earnings to average equity (ytd only) | -2.8167% | 5,643 |
| Net charge-offs to loans | -0.0162% | 4,941 |
| Credit loss provision to net charge-offs | -1,028.5714% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3077% | 5,802 |
| Assets per employee ($millions) | 12.0067% | 171 |
| Cash dividends to net income (ytd only)* | 117.2907% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 641 |
| Loan loss allowance to noncurrent loans | 5,661.9048% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,413 |
| Noncurrent loans to loans | 0.0365% | 5,226 |
| Net loans and leases to total assets | 64.0245% | 3,396 |
| Net loans and leases to deposits | 78.4182% | 3,143 |
| Net loans and leases to core deposits | 92.7744% | 2,306 |
| Total domestic deposits to total assets | 81.6449% | 4,059 |
| Equity capital to assets | 13.0507% | 1,465 |
| Core capital (leverage) ratio | 13.5410% | 982 |
| Tier 1 risk-based capital ratio | 18.4770% | 1,795 |
| Total risk-based capital ratio | 19.7363% | 1,755 |
| Memoranda: | ||
| Average total assets | $485,595,250 | 1,421 |
| Average earning assets | $443,701,500 | 1,439 |
| Average equity | $68,210,750 | 1,155 |
| Average total loans | $345,610,750 | 1,353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,119 |
| Cost of funding earning assets | 0.5375% | 1,797 |
| Net interest margin | 4.1313% | 1,289 |
| Noninterest income to average assets | 0.4430% | 3,573 |
| Noninterest expense to average assets | 1.8088% | 5,582 |
| Loan and lease loss provision to assets | 0.1222% | 1,869 |
| Net operating income to assets | 2.3850% | 175 |
| Return on assets (ROA) | 2.3859% | 184 |
| Pretax return on assets | 2.4003% | 254 |
| Return on Equity (ROE) | 16.5466% | 481 |
| Retained earnings to average equity (ytd only) | -8.6867% | 5,853 |
| Net charge-offs to loans | -0.0156% | 4,850 |
| Credit loss provision to net charge-offs | -1,066.6667% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7695% | 5,867 |
| Assets per employee ($millions) | 10.5495% | 234 |
| Cash dividends to net income (ytd only)* | 152.4987% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 698 |
| Loan loss allowance to noncurrent loans | 4,332.2981% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,446 |
| Noncurrent loans to loans | 0.0469% | 5,275 |
| Net loans and leases to total assets | 72.4871% | 2,091 |
| Net loans and leases to deposits | 93.8481% | 1,302 |
| Net loans and leases to core deposits | 112.3852% | 796 |
| Total domestic deposits to total assets | 77.2387% | 5,126 |
| Equity capital to assets | 14.5759% | 851 |
| Core capital (leverage) ratio | 13.4592% | 997 |
| Tier 1 risk-based capital ratio | 17.7283% | 2,005 |
| Total risk-based capital ratio | 18.9866% | 1,962 |
| Memoranda: | ||
| Average total assets | $471,362,000 | 1,455 |
| Average earning assets | $443,536,330 | 1,443 |
| Average equity | $67,965,670 | 1,158 |
| Average total loans | $345,690,330 | 1,354 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 1,003 |
| Cost of funding earning assets | 0.5223% | 1,925 |
| Net interest margin | 4.1997% | 1,100 |
| Noninterest income to average assets | 0.6468% | 2,282 |
| Noninterest expense to average assets | 1.8427% | 5,600 |
| Loan and lease loss provision to assets | 0.1213% | 1,741 |
| Net operating income to assets | 2.6083% | 133 |
| Return on assets (ROA) | 2.6099% | 138 |
| Pretax return on assets | 2.6259% | 197 |
| Return on Equity (ROE) | 18.1974% | 339 |
| Retained earnings to average equity (ytd only) | -26.5768% | 6,009 |
| Net charge-offs to loans | -0.0104% | 4,548 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1615% | 5,957 |
| Assets per employee ($millions) | 9.3416% | 353 |
| Cash dividends to net income (ytd only)* | 246.0471% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 874 |
| Loan loss allowance to noncurrent loans | 1,271.0821% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,125 |
| Noncurrent loans to loans | 0.1544% | 4,862 |
| Net loans and leases to total assets | 71.4346% | 2,122 |
| Net loans and leases to deposits | 90.1138% | 1,566 |
| Net loans and leases to core deposits | 112.0970% | 745 |
| Total domestic deposits to total assets | 79.2715% | 4,909 |
| Equity capital to assets | 13.8497% | 1,037 |
| Core capital (leverage) ratio | 13.1095% | 1,121 |
| Tier 1 risk-based capital ratio | 17.3591% | 2,169 |
| Total risk-based capital ratio | 18.6170% | 2,133 |
| Memoranda: | ||
| Average total assets | $474,954,000 | 1,446 |
| Average earning assets | $445,749,500 | 1,435 |
| Average equity | $68,119,500 | 1,152 |
| Average total loans | $346,813,500 | 1,342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,556 |
| Cost of funding earning assets | 0.4931% | 2,224 |
| Net interest margin | 4.0177% | 1,658 |
| Noninterest income to average assets | 0.3459% | 4,439 |
| Noninterest expense to average assets | 1.7981% | 5,739 |
| Loan and lease loss provision to assets | 0.1220% | 1,964 |
| Net operating income to assets | 2.1309% | 279 |
| Return on assets (ROA) | 2.1347% | 284 |
| Pretax return on assets | 2.1508% | 385 |
| Return on Equity (ROE) | 14.8733% | 705 |
| Retained earnings to average equity (ytd only) | 6.8006% | 1,371 |
| Net charge-offs to loans | -0.0111% | 5,132 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2112% | 5,976 |
| Assets per employee ($millions) | 9.4697% | 323 |
| Cash dividends to net income (ytd only)* | 54.2766% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 917 |
| Loan loss allowance to noncurrent loans | 4,036.3636% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,544 |
| Noncurrent loans to loans | 0.0476% | 5,329 |
| Net loans and leases to total assets | 71.7707% | 2,093 |
| Net loans and leases to deposits | 91.2235% | 1,482 |
| Net loans and leases to core deposits | 112.6121% | 742 |
| Total domestic deposits to total assets | 78.6756% | 5,038 |
| Equity capital to assets | 14.8380% | 699 |
| Core capital (leverage) ratio | 13.9668% | 833 |
| Tier 1 risk-based capital ratio | 18.4403% | 1,846 |
| Total risk-based capital ratio | 19.6973% | 1,790 |
| Memoranda: | ||
| Average total assets | $472,102,000 | 1,427 |
| Average earning assets | $437,269,000 | 1,425 |
| Average equity | $67,758,800 | 1,125 |
| Average total loans | $323,666,000 | 1,378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 1,749 |
| Cost of funding earning assets | 0.4811% | 2,399 |
| Net interest margin | 3.9705% | 1,803 |
| Noninterest income to average assets | 0.3072% | 4,741 |
| Noninterest expense to average assets | 1.7689% | 5,824 |
| Loan and lease loss provision to assets | 0.1221% | 1,861 |
| Net operating income to assets | 2.0584% | 331 |
| Return on assets (ROA) | 2.0640% | 343 |
| Pretax return on assets | 2.0790% | 523 |
| Return on Equity (ROE) | 14.5039% | 803 |
| Retained earnings to average equity (ytd only) | 6.0434% | 2,218 |
| Net charge-offs to loans | -0.0109% | 5,020 |
| Credit loss provision to net charge-offs | -1,661.5385% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6211% | 6,017 |
| Assets per employee ($millions) | 9.2705% | 342 |
| Cash dividends to net income (ytd only)* | 58.3322% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 1,062 |
| Loan loss allowance to noncurrent loans | 3,739.0805% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,643 |
| Noncurrent loans to loans | 0.0510% | 5,411 |
| Net loans and leases to total assets | 69.4296% | 2,471 |
| Net loans and leases to deposits | 86.7133% | 2,062 |
| Net loans and leases to core deposits | 107.3077% | 1,016 |
| Total domestic deposits to total assets | 80.0680% | 4,738 |
| Equity capital to assets | 14.2553% | 928 |
| Core capital (leverage) ratio | 13.8974% | 892 |
| Tier 1 risk-based capital ratio | 17.4826% | 2,193 |
| Total risk-based capital ratio | 18.7386% | 2,146 |
| Memoranda: | ||
| Average total assets | $471,756,000 | 1,437 |
| Average earning assets | $434,531,750 | 1,435 |
| Average equity | $67,134,500 | 1,136 |
| Average total loans | $317,961,500 | 1,400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 1,962 |
| Cost of funding earning assets | 0.4738% | 2,481 |
| Net interest margin | 3.8908% | 2,014 |
| Noninterest income to average assets | 0.3284% | 4,599 |
| Noninterest expense to average assets | 1.7932% | 5,858 |
| Loan and lease loss provision to assets | 0.1230% | 1,794 |
| Net operating income to assets | 1.9688% | 386 |
| Return on assets (ROA) | 1.9794% | 394 |
| Pretax return on assets | 1.9927% | 600 |
| Return on Equity (ROE) | 13.9177% | 922 |
| Retained earnings to average equity (ytd only) | 4.8794% | 2,939 |
| Net charge-offs to loans | -0.0097% | 4,912 |
| Credit loss provision to net charge-offs | -1,920.0000% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0013% | 6,043 |
| Assets per employee ($millions) | 9.0464% | 366 |
| Cash dividends to net income (ytd only)* | 64.9407% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 996 |
| Loan loss allowance to noncurrent loans | 466.6422% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 4,778 |
| Noncurrent loans to loans | 0.4274% | 4,195 |
| Net loans and leases to total assets | 62.7254% | 3,442 |
| Net loans and leases to deposits | 78.2173% | 3,000 |
| Net loans and leases to core deposits | 92.6196% | 2,099 |
| Total domestic deposits to total assets | 80.1937% | 4,818 |
| Equity capital to assets | 13.4652% | 1,186 |
| Core capital (leverage) ratio | 13.9834% | 841 |
| Tier 1 risk-based capital ratio | 17.2529% | 2,305 |
| Total risk-based capital ratio | 18.5087% | 2,264 |
| Memoranda: | ||
| Average total assets | $468,319,670 | 1,452 |
| Average earning assets | $429,681,330 | 1,459 |
| Average equity | $66,606,000 | 1,151 |
| Average total loans | $310,214,670 | 1,430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 2,215 |
| Cost of funding earning assets | 0.4783% | 2,467 |
| Net interest margin | 3.7856% | 2,275 |
| Noninterest income to average assets | 0.4126% | 3,899 |
| Noninterest expense to average assets | 1.9140% | 5,735 |
| Loan and lease loss provision to assets | 0.1270% | 1,633 |
| Net operating income to assets | 1.9396% | 381 |
| Return on assets (ROA) | 1.9396% | 401 |
| Pretax return on assets | 1.9510% | 648 |
| Return on Equity (ROE) | 13.2508% | 1,032 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,635 |
| Net charge-offs to loans | -0.0118% | 4,792 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9461% | 6,024 |
| Assets per employee ($millions) | 8.0820% | 524 |
| Cash dividends to net income (ytd only)* | 84.3182% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 1,056 |
| Loan loss allowance to noncurrent loans | 3,543.4286% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,783 |
| Noncurrent loans to loans | 0.0567% | 5,546 |
| Net loans and leases to total assets | 66.7693% | 2,637 |
| Net loans and leases to deposits | 86.5158% | 1,769 |
| Net loans and leases to core deposits | 104.7158% | 1,019 |
| Total domestic deposits to total assets | 77.1758% | 5,587 |
| Equity capital to assets | 14.7796% | 755 |
| Core capital (leverage) ratio | 13.9614% | 833 |
| Tier 1 risk-based capital ratio | 17.5309% | 2,287 |
| Total risk-based capital ratio | 18.7867% | 2,244 |
| Memoranda: | ||
| Average total assets | $453,704,500 | 1,503 |
| Average earning assets | $428,991,000 | 1,468 |
| Average equity | $66,411,000 | 1,154 |
| Average total loans | $306,101,500 | 1,449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 2,230 |
| Cost of funding earning assets | 0.5443% | 2,254 |
| Net interest margin | 3.8539% | 2,412 |
| Noninterest income to average assets | 0.3661% | 4,468 |
| Noninterest expense to average assets | 1.8906% | 5,951 |
| Loan and lease loss provision to assets | 0.1331% | 1,964 |
| Net operating income to assets | 1.9520% | 352 |
| Return on assets (ROA) | 1.9916% | 343 |
| Pretax return on assets | 2.0038% | 511 |
| Return on Equity (ROE) | 13.6435% | 1,008 |
| Retained earnings to average equity (ytd only) | 8.2681% | 926 |
| Net charge-offs to loans | 0.0509% | 3,813 |
| Credit loss provision to net charge-offs | 402.7972% | 643 |
| Earnings coverage of net charge-offs (x) | 63.4476% | 756 |
| Efficiency ratio | 47.4120% | 6,209 |
| Assets per employee ($millions) | 8.5815% | 419 |
| Cash dividends to net income (ytd only)* | 39.3989% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 1,131 |
| Loan loss allowance to noncurrent loans | 1,311.9306% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 5,627 |
| Noncurrent loans to loans | 0.1517% | 5,288 |
| Net loans and leases to total assets | 65.4685% | 2,982 |
| Net loans and leases to deposits | 86.7972% | 1,871 |
| Net loans and leases to core deposits | 111.2787% | 721 |
| Total domestic deposits to total assets | 75.4269% | 5,808 |
| Equity capital to assets | 14.4961% | 813 |
| Core capital (leverage) ratio | 13.8595% | 852 |
| Tier 1 risk-based capital ratio | 18.4058% | 2,013 |
| Total risk-based capital ratio | 19.6624% | 1,982 |
| Memoranda: | ||
| Average total assets | $432,670,400 | 1,538 |
| Average earning assets | $406,580,400 | 1,505 |
| Average equity | $63,158,200 | 1,156 |
| Average total loans | $280,780,800 | 1,515 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,286 |
| Cost of funding earning assets | 0.5312% | 2,457 |
| Net interest margin | 3.8509% | 2,431 |
| Noninterest income to average assets | 0.2906% | 5,119 |
| Noninterest expense to average assets | 1.8604% | 6,011 |
| Loan and lease loss provision to assets | 0.1349% | 1,850 |
| Net operating income to assets | 1.8953% | 424 |
| Return on assets (ROA) | 1.9191% | 418 |
| Pretax return on assets | 1.9310% | 668 |
| Return on Equity (ROE) | 13.1228% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.6372% | 1,515 |
| Net charge-offs to loans | 0.0577% | 3,392 |
| Credit loss provision to net charge-offs | 363.0252% | 777 |
| Earnings coverage of net charge-offs (x) | 54.9674% | 924 |
| Efficiency ratio | 47.6762% | 6,212 |
| Assets per employee ($millions) | 8.2332% | 465 |
| Cash dividends to net income (ytd only)* | 41.8022% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0793% | 1,116 |
| Loan loss allowance to noncurrent loans | 357.5392% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 4,784 |
| Noncurrent loans to loans | 0.5816% | 4,179 |
| Net loans and leases to total assets | 63.9771% | 3,172 |
| Net loans and leases to deposits | 81.8919% | 2,439 |
| Net loans and leases to core deposits | 102.4255% | 1,191 |
| Total domestic deposits to total assets | 78.1238% | 5,509 |
| Equity capital to assets | 14.8249% | 769 |
| Core capital (leverage) ratio | 14.2763% | 778 |
| Tier 1 risk-based capital ratio | 18.9126% | 1,925 |
| Total risk-based capital ratio | 20.1702% | 1,893 |
| Memoranda: | ||
| Average total assets | $427,133,250 | 1,568 |
| Average earning assets | $400,591,250 | 1,537 |
| Average equity | $62,465,000 | 1,179 |
| Average total loans | $275,023,250 | 1,555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,319 |
| Cost of funding earning assets | 0.5359% | 2,479 |
| Net interest margin | 3.8272% | 2,455 |
| Noninterest income to average assets | 0.2981% | 5,028 |
| Noninterest expense to average assets | 1.8431% | 6,086 |
| Loan and lease loss provision to assets | 0.1358% | 1,823 |
| Net operating income to assets | 1.8875% | 420 |
| Return on assets (ROA) | 1.8875% | 431 |
| Pretax return on assets | 1.8993% | 688 |
| Return on Equity (ROE) | 12.9675% | 1,185 |
| Retained earnings to average equity (ytd only) | 7.8965% | 1,364 |
| Net charge-offs to loans | 0.0052% | 4,206 |
| Credit loss provision to net charge-offs | 4,114.2857% | 88 |
| Earnings coverage of net charge-offs (x) | 616.4286% | 117 |
| Efficiency ratio | 47.5252% | 6,308 |
| Assets per employee ($millions) | 8.1108% | 466 |
| Cash dividends to net income (ytd only)* | 39.1054% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 1,087 |
| Loan loss allowance to noncurrent loans | 276.2887% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 4,520 |
| Noncurrent loans to loans | 0.7785% | 3,750 |
| Net loans and leases to total assets | 62.3974% | 3,341 |
| Net loans and leases to deposits | 79.1502% | 2,636 |
| Net loans and leases to core deposits | 96.2764% | 1,581 |
| Total domestic deposits to total assets | 78.8342% | 5,492 |
| Equity capital to assets | 14.7723% | 756 |
| Core capital (leverage) ratio | 14.0465% | 815 |
| Tier 1 risk-based capital ratio | 19.1631% | 1,886 |
| Total risk-based capital ratio | 20.4211% | 1,845 |
| Memoranda: | ||
| Average total assets | $424,057,330 | 1,574 |
| Average earning assets | $396,691,670 | 1,547 |
| Average equity | $61,723,330 | 1,180 |
| Average total loans | $271,664,670 | 1,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,893 |
| Cost of funding earning assets | 0.5329% | 2,573 |
| Net interest margin | 3.6628% | 3,011 |
| Noninterest income to average assets | 0.3096% | 4,888 |
| Noninterest expense to average assets | 1.8711% | 6,108 |
| Loan and lease loss provision to assets | 0.1368% | 1,776 |
| Net operating income to assets | 1.7381% | 538 |
| Return on assets (ROA) | 1.7381% | 555 |
| Pretax return on assets | 1.7485% | 880 |
| Return on Equity (ROE) | 12.0327% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.2328% | 1,927 |
| Net charge-offs to loans | 0.0044% | 3,583 |
| Credit loss provision to net charge-offs | 4,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 661.6667% | 46 |
| Efficiency ratio | 49.8104% | 6,266 |
| Assets per employee ($millions) | 8.6881% | 369 |
| Cash dividends to net income (ytd only)* | 39.8907% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 1,351 |
| Loan loss allowance to noncurrent loans | 202.2488% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 4,110 |
| Noncurrent loans to loans | 1.0322% | 3,362 |
| Net loans and leases to total assets | 63.4141% | 2,994 |
| Net loans and leases to deposits | 83.1851% | 1,925 |
| Net loans and leases to core deposits | 106.9169% | 718 |
| Total domestic deposits to total assets | 76.2325% | 6,055 |
| Equity capital to assets | 14.4756% | 795 |
| Core capital (leverage) ratio | 14.0707% | 802 |
| Tier 1 risk-based capital ratio | 18.5004% | 2,125 |
| Total risk-based capital ratio | 19.7576% | 2,082 |
| Memoranda: | ||
| Average total assets | $421,150,000 | 1,592 |
| Average earning assets | $396,309,500 | 1,560 |
| Average equity | $60,834,000 | 1,195 |
| Average total loans | $270,434,500 | 1,577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,467 |
| Cost of funding earning assets | 0.5451% | 3,153 |
| Net interest margin | 3.8854% | 2,349 |
| Noninterest income to average assets | 0.4115% | 4,365 |
| Noninterest expense to average assets | 1.7885% | 6,340 |
| Loan and lease loss provision to assets | 0.0581% | 3,980 |
| Net operating income to assets | 2.0460% | 314 |
| Return on assets (ROA) | 2.0834% | 299 |
| Pretax return on assets | 2.0960% | 390 |
| Return on Equity (ROE) | 14.5943% | 832 |
| Retained earnings to average equity (ytd only) | 6.8667% | 1,494 |
| Net charge-offs to loans | 0.1040% | 3,787 |
| Credit loss provision to net charge-offs | 97.9592% | 2,536 |
| Earnings coverage of net charge-offs (x) | 35.7061% | 1,045 |
| Efficiency ratio | 45.8026% | 6,566 |
| Assets per employee ($millions) | 8.6788% | 370 |
| Cash dividends to net income (ytd only)* | 52.9494% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,306 |
| Loan loss allowance to noncurrent loans | 381.9728% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 5,203 |
| Noncurrent loans to loans | 0.5544% | 4,602 |
| Net loans and leases to total assets | 62.3005% | 3,316 |
| Net loans and leases to deposits | 80.7976% | 2,346 |
| Net loans and leases to core deposits | 103.3033% | 951 |
| Total domestic deposits to total assets | 77.1069% | 5,950 |
| Equity capital to assets | 14.4132% | 800 |
| Core capital (leverage) ratio | 13.8486% | 870 |
| Tier 1 risk-based capital ratio | 18.6773% | 2,018 |
| Total risk-based capital ratio | 19.9347% | 1,982 |
| Memoranda: | ||
| Average total assets | $413,360,600 | 1,595 |
| Average earning assets | $371,652,200 | 1,629 |
| Average equity | $59,009,400 | 1,216 |
| Average total loans | $235,623,000 | 1,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 2,472 |
| Cost of funding earning assets | 0.5365% | 3,401 |
| Net interest margin | 3.9003% | 2,273 |
| Noninterest income to average assets | 0.3465% | 4,917 |
| Noninterest expense to average assets | 1.7381% | 6,430 |
| Loan and lease loss provision to assets | 0.0582% | 3,881 |
| Net operating income to assets | 2.0015% | 362 |
| Return on assets (ROA) | 2.0364% | 351 |
| Pretax return on assets | 2.0486% | 519 |
| Return on Equity (ROE) | 14.2995% | 927 |
| Retained earnings to average equity (ytd only) | 5.9481% | 2,446 |
| Net charge-offs to loans | 0.1221% | 3,322 |
| Credit loss provision to net charge-offs | 86.1244% | 2,710 |
| Earnings coverage of net charge-offs (x) | 30.6698% | 1,223 |
| Efficiency ratio | 45.6227% | 6,605 |
| Assets per employee ($millions) | 9.2065% | 295 |
| Cash dividends to net income (ytd only)* | 58.4034% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 1,242 |
| Loan loss allowance to noncurrent loans | 248.4889% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 4,818 |
| Noncurrent loans to loans | 0.9083% | 4,003 |
| Net loans and leases to total assets | 58.4410% | 3,935 |
| Net loans and leases to deposits | 79.8536% | 2,434 |
| Net loans and leases to core deposits | 100.8564% | 1,060 |
| Total domestic deposits to total assets | 73.1852% | 6,423 |
| Equity capital to assets | 14.1542% | 921 |
| Core capital (leverage) ratio | 13.5667% | 996 |
| Tier 1 risk-based capital ratio | 18.1616% | 2,264 |
| Total risk-based capital ratio | 19.4187% | 2,223 |
| Memoranda: | ||
| Average total assets | $412,554,750 | 1,607 |
| Average earning assets | $366,322,750 | 1,654 |
| Average equity | $58,751,000 | 1,230 |
| Average total loans | $228,241,500 | 1,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 2,242 |
| Cost of funding earning assets | 0.5410% | 3,489 |
| Net interest margin | 3.9468% | 2,057 |
| Noninterest income to average assets | 0.3228% | 5,125 |
| Noninterest expense to average assets | 1.7569% | 6,441 |
| Loan and lease loss provision to assets | 0.0583% | 3,839 |
| Net operating income to assets | 1.9312% | 397 |
| Return on assets (ROA) | 1.9846% | 391 |
| Pretax return on assets | 1.9967% | 610 |
| Return on Equity (ROE) | 13.9076% | 1,030 |
| Retained earnings to average equity (ytd only) | 4.2798% | 3,568 |
| Net charge-offs to loans | 0.2138% | 2,485 |
| Credit loss provision to net charge-offs | 50.6329% | 3,197 |
| Earnings coverage of net charge-offs (x) | 17.3924% | 1,609 |
| Efficiency ratio | 46.7511% | 6,603 |
| Assets per employee ($millions) | 8.8784% | 322 |
| Cash dividends to net income (ytd only)* | 69.2270% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3254% | 1,220 |
| Loan loss allowance to noncurrent loans | 357.3377% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 5,233 |
| Noncurrent loans to loans | 0.6508% | 4,640 |
| Net loans and leases to total assets | 57.8535% | 4,015 |
| Net loans and leases to deposits | 76.5992% | 2,784 |
| Net loans and leases to core deposits | 95.0775% | 1,432 |
| Total domestic deposits to total assets | 75.5275% | 6,307 |
| Equity capital to assets | 14.3073% | 874 |
| Core capital (leverage) ratio | 13.3855% | 1,022 |
| Tier 1 risk-based capital ratio | 18.5410% | 2,126 |
| Total risk-based capital ratio | 19.7989% | 2,085 |
| Memoranda: | ||
| Average total assets | $411,975,330 | 1,612 |
| Average earning assets | $358,565,330 | 1,692 |
| Average equity | $58,788,000 | 1,233 |
| Average total loans | $221,752,670 | 1,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,685 |
| Cost of funding earning assets | 0.5457% | 3,614 |
| Net interest margin | 4.1017% | 1,460 |
| Noninterest income to average assets | 0.3118% | 5,198 |
| Noninterest expense to average assets | 1.7963% | 6,444 |
| Loan and lease loss provision to assets | 0.0574% | 3,675 |
| Net operating income to assets | 1.8900% | 417 |
| Return on assets (ROA) | 1.9790% | 382 |
| Pretax return on assets | 1.9914% | 600 |
| Return on Equity (ROE) | 13.8857% | 983 |
| Retained earnings to average equity (ytd only) | 8.1140% | 1,710 |
| Net charge-offs to loans | 0.3677% | 1,540 |
| Credit loss provision to net charge-offs | 30.4569% | 2,882 |
| Earnings coverage of net charge-offs (x) | 10.3959% | 1,748 |
| Efficiency ratio | 47.8349% | 6,614 |
| Assets per employee ($millions) | 10.2124% | 209 |
| Cash dividends to net income (ytd only)* | 41.5660% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4658% | 1,157 |
| Loan loss allowance to noncurrent loans | 182.0990% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 4,701 |
| Noncurrent loans to loans | 1.3541% | 3,536 |
| Net loans and leases to total assets | 48.2654% | 5,199 |
| Net loans and leases to deposits | 59.3832% | 4,864 |
| Net loans and leases to core deposits | 71.6135% | 3,864 |
| Total domestic deposits to total assets | 81.2779% | 5,425 |
| Equity capital to assets | 13.3813% | 1,255 |
| Core capital (leverage) ratio | 14.5252% | 663 |
| Tier 1 risk-based capital ratio | 18.7209% | 2,121 |
| Total risk-based capital ratio | 19.9790% | 2,094 |
| Memoranda: | ||
| Average total assets | $418,198,000 | 1,604 |
| Average earning assets | $351,077,000 | 1,732 |
| Average equity | $59,601,000 | 1,231 |
| Average total loans | $214,306,500 | 1,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 2,053 |
| Cost of funding earning assets | 0.7861% | 2,773 |
| Net interest margin | 4.0553% | 2,168 |
| Noninterest income to average assets | 0.3961% | 4,644 |
| Noninterest expense to average assets | 1.7266% | 6,696 |
| Loan and lease loss provision to assets | 0.0608% | 5,018 |
| Net operating income to assets | 1.9459% | 398 |
| Return on assets (ROA) | 1.9616% | 418 |
| Pretax return on assets | 1.9616% | 650 |
| Return on Equity (ROE) | 13.7957% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.4228% | 715 |
| Net charge-offs to loans | 0.2051% | 3,741 |
| Credit loss provision to net charge-offs | 58.1114% | 4,494 |
| Earnings coverage of net charge-offs (x) | 19.1840% | 1,400 |
| Efficiency ratio | 46.2483% | 6,776 |
| Assets per employee ($millions) | 9.2155% | 306 |
| Cash dividends to net income (ytd only)* | 31.6979% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7248% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 6,454 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.8361% | 4,951 |
| Net loans and leases to deposits | 66.0630% | 4,275 |
| Net loans and leases to core deposits | 77.0124% | 3,405 |
| Total domestic deposits to total assets | 78.4646% | 6,002 |
| Equity capital to assets | 15.2626% | 686 |
| Core capital (leverage) ratio | 13.7531% | 873 |
| Tier 1 risk-based capital ratio | 20.2103% | 1,627 |
| Total risk-based capital ratio | 21.4715% | 1,598 |
| Memoranda: | ||
| Average total assets | $394,828,600 | 1,658 |
| Average earning assets | $324,908,200 | 1,829 |
| Average equity | $56,140,600 | 1,268 |
| Average total loans | $201,351,400 | 1,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 1,983 |
| Cost of funding earning assets | 0.8392% | 2,633 |
| Net interest margin | 4.0678% | 2,216 |
| Noninterest income to average assets | 0.3239% | 5,191 |
| Noninterest expense to average assets | 1.7299% | 6,757 |
| Loan and lease loss provision to assets | 0.0605% | 4,962 |
| Net operating income to assets | 1.8237% | 540 |
| Return on assets (ROA) | 1.8220% | 606 |
| Pretax return on assets | 1.8220% | 992 |
| Return on Equity (ROE) | 13.0473% | 1,325 |
| Retained earnings to average equity (ytd only) | 9.7386% | 985 |
| Net charge-offs to loans | 0.2772% | 3,061 |
| Credit loss provision to net charge-offs | 43.2692% | 4,545 |
| Earnings coverage of net charge-offs (x) | 13.4784% | 1,905 |
| Efficiency ratio | 47.8661% | 6,727 |
| Assets per employee ($millions) | 10.9520% | 181 |
| Cash dividends to net income (ytd only)* | 25.3597% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7045% | 978 |
| Loan loss allowance to noncurrent loans | 644.6636% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 6,041 |
| Noncurrent loans to loans | 0.4195% | 5,614 |
| Net loans and leases to total assets | 42.4503% | 6,088 |
| Net loans and leases to deposits | 51.5096% | 6,006 |
| Net loans and leases to core deposits | 58.1038% | 5,729 |
| Total domestic deposits to total assets | 82.4124% | 4,868 |
| Equity capital to assets | 12.4022% | 1,963 |
| Core capital (leverage) ratio | 13.8794% | 872 |
| Tier 1 risk-based capital ratio | 19.9462% | 1,776 |
| Total risk-based capital ratio | 21.2074% | 1,748 |
| Memoranda: | ||
| Average total assets | $396,773,000 | 1,668 |
| Average earning assets | $320,916,750 | 1,869 |
| Average equity | $55,407,250 | 1,295 |
| Average total loans | $200,126,250 | 2,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 2,154 |
| Cost of funding earning assets | 0.7884% | 3,291 |
| Net interest margin | 4.1010% | 2,093 |
| Noninterest income to average assets | 0.3387% | 5,116 |
| Noninterest expense to average assets | 1.8815% | 6,636 |
| Loan and lease loss provision to assets | 0.0645% | 4,839 |
| Net operating income to assets | 1.8600% | 501 |
| Return on assets (ROA) | 1.8632% | 570 |
| Pretax return on assets | 1.8632% | 914 |
| Return on Equity (ROE) | 12.7409% | 1,429 |
| Retained earnings to average equity (ytd only) | 8.7157% | 1,368 |
| Net charge-offs to loans | 0.3882% | 2,468 |
| Credit loss provision to net charge-offs | 31.1688% | 4,424 |
| Earnings coverage of net charge-offs (x) | 9.2987% | 2,185 |
| Efficiency ratio | 49.4350% | 6,681 |
| Assets per employee ($millions) | 8.2145% | 430 |
| Cash dividends to net income (ytd only)* | 31.5926% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 941 |
| Loan loss allowance to noncurrent loans | 5,528.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,111 |
| Noncurrent loans to loans | 0.0507% | 6,550 |
| Net loans and leases to total assets | 51.8768% | 5,116 |
| Net loans and leases to deposits | 65.3415% | 4,596 |
| Net loans and leases to core deposits | 74.8364% | 3,913 |
| Total domestic deposits to total assets | 79.3933% | 5,884 |
| Equity capital to assets | 15.1481% | 747 |
| Core capital (leverage) ratio | 14.0559% | 789 |
| Tier 1 risk-based capital ratio | 19.6869% | 1,790 |
| Total risk-based capital ratio | 20.9483% | 1,756 |
| Memoranda: | ||
| Average total assets | $372,052,670 | 1,773 |
| Average earning assets | $314,560,000 | 1,899 |
| Average equity | $54,407,670 | 1,308 |
| Average total loans | $198,345,000 | 2,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 1,797 |
| Cost of funding earning assets | 0.7989% | 3,483 |
| Net interest margin | 4.2270% | 1,682 |
| Noninterest income to average assets | 0.3204% | 5,312 |
| Noninterest expense to average assets | 1.7543% | 6,849 |
| Loan and lease loss provision to assets | 0.0643% | 4,621 |
| Net operating income to assets | 2.0061% | 411 |
| Return on assets (ROA) | 2.0126% | 469 |
| Pretax return on assets | 2.0126% | 721 |
| Return on Equity (ROE) | 14.0113% | 1,181 |
| Retained earnings to average equity (ytd only) | 9.7213% | 1,348 |
| Net charge-offs to loans | 0.7764% | 1,324 |
| Credit loss provision to net charge-offs | 15.5440% | 3,835 |
| Earnings coverage of net charge-offs (x) | 5.0052% | 2,460 |
| Efficiency ratio | 45.8672% | 6,905 |
| Assets per employee ($millions) | 9.7512% | 256 |
| Cash dividends to net income (ytd only)* | 30.6177% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8116% | 996 |
| Loan loss allowance to noncurrent loans | 1,051.3462% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,778 |
| Noncurrent loans to loans | 0.2674% | 6,153 |
| Net loans and leases to total assets | 46.1425% | 5,767 |
| Net loans and leases to deposits | 57.0730% | 5,478 |
| Net loans and leases to core deposits | 64.7089% | 5,040 |
| Total domestic deposits to total assets | 80.8482% | 5,648 |
| Equity capital to assets | 13.2890% | 1,324 |
| Core capital (leverage) ratio | 14.3701% | 715 |
| Tier 1 risk-based capital ratio | 18.8003% | 2,049 |
| Total risk-based capital ratio | 20.0609% | 2,014 |
| Memoranda: | ||
| Average total assets | $373,253,500 | 1,776 |
| Average earning assets | $309,440,500 | 1,931 |
| Average equity | $53,614,000 | 1,319 |
| Average total loans | $198,872,000 | 2,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 1,636 |
| Cost of funding earning assets | 0.9674% | 3,594 |
| Net interest margin | 4.3551% | 1,530 |
| Noninterest income to average assets | 0.4625% | 4,113 |
| Noninterest expense to average assets | 1.9789% | 6,711 |
| Loan and lease loss provision to assets | 0.1606% | 4,621 |
| Net operating income to assets | 2.2959% | 191 |
| Return on assets (ROA) | 2.3435% | 181 |
| Pretax return on assets | 2.3435% | 275 |
| Return on Equity (ROE) | 16.1836% | 573 |
| Retained earnings to average equity (ytd only) | 11.3669% | 361 |
| Net charge-offs to loans | 0.2673% | 4,096 |
| Credit loss provision to net charge-offs | 96.2567% | 3,742 |
| Earnings coverage of net charge-offs (x) | 14.7219% | 1,437 |
| Efficiency ratio | 44.6151% | 7,102 |
| Assets per employee ($millions) | 8.0228% | 467 |
| Cash dividends to net income (ytd only)* | 29.7627% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8495% | 930 |
| Loan loss allowance to noncurrent loans | 12,593.4783% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 5,494 |
| Noncurrent loans to loans | 0.0226% | 6,771 |
| Net loans and leases to total assets | 58.6150% | 4,262 |
| Net loans and leases to deposits | 76.5677% | 3,076 |
| Net loans and leases to core deposits | 90.2201% | 2,100 |
| Total domestic deposits to total assets | 76.5532% | 6,397 |
| Equity capital to assets | 15.6705% | 639 |
| Core capital (leverage) ratio | 14.4255% | 730 |
| Tier 1 risk-based capital ratio | 18.9635% | 1,907 |
| Total risk-based capital ratio | 20.2264% | 1,862 |
| Memoranda: | ||
| Average total assets | $336,202,600 | 1,924 |
| Average earning assets | $306,694,600 | 1,919 |
| Average equity | $48,685,200 | 1,401 |
| Average total loans | $209,896,400 | 1,956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 1,649 |
| Cost of funding earning assets | 1.0160% | 3,563 |
| Net interest margin | 4.3430% | 1,578 |
| Noninterest income to average assets | 0.3198% | 5,311 |
| Noninterest expense to average assets | 2.0181% | 6,658 |
| Loan and lease loss provision to assets | 0.1905% | 4,121 |
| Net operating income to assets | 2.0598% | 311 |
| Return on assets (ROA) | 2.0856% | 321 |
| Pretax return on assets | 2.0856% | 536 |
| Return on Equity (ROE) | 14.7051% | 891 |
| Retained earnings to average equity (ytd only) | 10.2706% | 773 |
| Net charge-offs to loans | 0.2729% | 3,731 |
| Credit loss provision to net charge-offs | 110.8545% | 2,968 |
| Earnings coverage of net charge-offs (x) | 13.0970% | 1,645 |
| Efficiency ratio | 47.2808% | 6,998 |
| Assets per employee ($millions) | 8.1559% | 445 |
| Cash dividends to net income (ytd only)* | 30.1560% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8869% | 945 |
| Loan loss allowance to noncurrent loans | 698.5697% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 4,882 |
| Noncurrent loans to loans | 0.4133% | 6,018 |
| Net loans and leases to total assets | 58.9608% | 4,330 |
| Net loans and leases to deposits | 76.2922% | 3,284 |
| Net loans and leases to core deposits | 90.0348% | 2,240 |
| Total domestic deposits to total assets | 77.2828% | 6,333 |
| Equity capital to assets | 15.2753% | 778 |
| Core capital (leverage) ratio | 13.7548% | 970 |
| Tier 1 risk-based capital ratio | 18.5374% | 2,082 |
| Total risk-based capital ratio | 19.8012% | 2,038 |
| Memoranda: | ||
| Average total assets | $336,013,750 | 1,929 |
| Average earning assets | $305,498,500 | 1,932 |
| Average equity | $47,655,750 | 1,435 |
| Average total loans | $211,545,250 | 1,960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 1,685 |
| Cost of funding earning assets | 1.0589% | 3,548 |
| Net interest margin | 4.3019% | 1,640 |
| Noninterest income to average assets | 0.3239% | 5,302 |
| Noninterest expense to average assets | 2.0436% | 6,704 |
| Loan and lease loss provision to assets | 0.2496% | 3,412 |
| Net operating income to assets | 1.9319% | 383 |
| Return on assets (ROA) | 1.9628% | 383 |
| Pretax return on assets | 1.9628% | 633 |
| Return on Equity (ROE) | 14.2020% | 935 |
| Retained earnings to average equity (ytd only) | 9.9238% | 860 |
| Net charge-offs to loans | 0.2118% | 3,871 |
| Credit loss provision to net charge-offs | 185.0220% | 1,632 |
| Earnings coverage of net charge-offs (x) | 16.1718% | 1,357 |
| Efficiency ratio | 48.3685% | 7,040 |
| Assets per employee ($millions) | 8.0410% | 454 |
| Cash dividends to net income (ytd only)* | 30.1241% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8261% | 1,055 |
| Loan loss allowance to noncurrent loans | 469.2969% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 4,977 |
| Noncurrent loans to loans | 0.6022% | 5,710 |
| Net loans and leases to total assets | 61.1602% | 4,061 |
| Net loans and leases to deposits | 76.4695% | 3,382 |
| Net loans and leases to core deposits | 91.0297% | 2,251 |
| Total domestic deposits to total assets | 79.9799% | 5,828 |
| Equity capital to assets | 14.3616% | 978 |
| Core capital (leverage) ratio | 13.0764% | 1,121 |
| Tier 1 risk-based capital ratio | 17.3226% | 2,405 |
| Total risk-based capital ratio | 18.5862% | 2,373 |
| Memoranda: | ||
| Average total assets | $336,555,000 | 1,937 |
| Average earning assets | $305,213,000 | 1,942 |
| Average equity | $46,514,670 | 1,452 |
| Average total loans | $214,387,000 | 1,953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 1,774 |
| Cost of funding earning assets | 1.0868% | 3,608 |
| Net interest margin | 4.2456% | 1,765 |
| Noninterest income to average assets | 0.3786% | 4,887 |
| Noninterest expense to average assets | 1.9299% | 6,939 |
| Loan and lease loss provision to assets | 0.4286% | 2,047 |
| Net operating income to assets | 1.8430% | 450 |
| Return on assets (ROA) | 1.8597% | 459 |
| Pretax return on assets | 1.8597% | 727 |
| Return on Equity (ROE) | 13.7255% | 1,039 |
| Retained earnings to average equity (ytd only) | 9.8592% | 1,149 |
| Net charge-offs to loans | 0.4347% | 2,396 |
| Credit loss provision to net charge-offs | 153.8462% | 1,861 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 1,852 |
| Efficiency ratio | 45.9337% | 7,206 |
| Assets per employee ($millions) | 7.8978% | 490 |
| Cash dividends to net income (ytd only)* | 28.1690% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8078% | 1,100 |
| Loan loss allowance to noncurrent loans | 525.6637% | 619 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 4,536 |
| Noncurrent loans to loans | 0.5341% | 5,958 |
| Net loans and leases to total assets | 60.5456% | 4,162 |
| Net loans and leases to deposits | 75.3902% | 3,517 |
| Net loans and leases to core deposits | 89.7836% | 2,377 |
| Total domestic deposits to total assets | 80.3096% | 5,866 |
| Equity capital to assets | 13.6455% | 1,130 |
| Core capital (leverage) ratio | 12.7138% | 1,234 |
| Tier 1 risk-based capital ratio | 16.7542% | 2,567 |
| Total risk-based capital ratio | 18.0174% | 2,527 |
| Memoranda: | ||
| Average total assets | $335,972,000 | 1,951 |
| Average earning assets | $302,527,000 | 1,971 |
| Average equity | $45,521,000 | 1,475 |
| Average total loans | $215,301,500 | 1,964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6102% | 1,855 |
| Cost of funding earning assets | 1.4253% | 3,104 |
| Net interest margin | 4.1850% | 2,245 |
| Noninterest income to average assets | 0.5384% | 3,897 |
| Noninterest expense to average assets | 2.0045% | 7,015 |
| Loan and lease loss provision to assets | 0.3942% | 3,752 |
| Net operating income to assets | 1.9539% | 306 |
| Return on assets (ROA) | 1.9294% | 338 |
| Pretax return on assets | 1.9587% | 532 |
| Return on Equity (ROE) | 14.8810% | 735 |
| Retained earnings to average equity (ytd only) | 10.5680% | 429 |
| Net charge-offs to loans | 0.4468% | 3,825 |
| Credit loss provision to net charge-offs | 125.9766% | 3,222 |
| Earnings coverage of net charge-offs (x) | 7.5986% | 2,104 |
| Efficiency ratio | 45.7430% | 7,365 |
| Assets per employee ($millions) | 7.7288% | 537 |
| Cash dividends to net income (ytd only)* | 28.9832% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6542% | 1,220 |
| Loan loss allowance to noncurrent loans | 169.4056% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 3,472 |
| Noncurrent loans to loans | 1.5668% | 4,150 |
| Net loans and leases to total assets | 64.1614% | 3,839 |
| Net loans and leases to deposits | 81.8150% | 2,845 |
| Net loans and leases to core deposits | 96.1709% | 1,995 |
| Total domestic deposits to total assets | 78.4225% | 6,231 |
| Equity capital to assets | 13.4505% | 1,193 |
| Core capital (leverage) ratio | 12.7094% | 1,239 |
| Tier 1 risk-based capital ratio | 16.0274% | 2,737 |
| Total risk-based capital ratio | 17.2895% | 2,689 |
| Memoranda: | ||
| Average total assets | $327,259,200 | 1,987 |
| Average earning assets | $300,576,800 | 1,974 |
| Average equity | $42,430,000 | 1,565 |
| Average total loans | $229,164,800 | 1,906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 1,860 |
| Cost of funding earning assets | 1.5035% | 2,956 |
| Net interest margin | 4.1539% | 2,394 |
| Noninterest income to average assets | 0.7284% | 2,652 |
| Noninterest expense to average assets | 1.9922% | 7,061 |
| Loan and lease loss provision to assets | 0.3804% | 3,608 |
| Net operating income to assets | 2.1408% | 266 |
| Return on assets (ROA) | 2.1088% | 301 |
| Pretax return on assets | 2.1407% | 462 |
| Return on Equity (ROE) | 16.4217% | 660 |
| Retained earnings to average equity (ytd only) | 12.1857% | 438 |
| Net charge-offs to loans | 0.3602% | 3,859 |
| Credit loss provision to net charge-offs | 148.5623% | 2,628 |
| Earnings coverage of net charge-offs (x) | 9.9728% | 1,934 |
| Efficiency ratio | 43.8276% | 7,468 |
| Assets per employee ($millions) | 7.3251% | 670 |
| Cash dividends to net income (ytd only)* | 25.7952% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6363% | 1,158 |
| Loan loss allowance to noncurrent loans | 375.1282% | 795 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 4,376 |
| Noncurrent loans to loans | 0.7028% | 5,804 |
| Net loans and leases to total assets | 65.5656% | 3,784 |
| Net loans and leases to deposits | 82.4360% | 3,024 |
| Net loans and leases to core deposits | 95.4658% | 2,324 |
| Total domestic deposits to total assets | 79.5352% | 5,852 |
| Equity capital to assets | 14.0021% | 1,164 |
| Core capital (leverage) ratio | 12.6974% | 1,332 |
| Tier 1 risk-based capital ratio | 15.8242% | 2,852 |
| Total risk-based capital ratio | 17.0864% | 2,795 |
| Memoranda: | ||
| Average total assets | $325,989,750 | 2,020 |
| Average earning assets | $299,566,500 | 2,012 |
| Average equity | $41,862,250 | 1,581 |
| Average total loans | $231,694,500 | 1,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 1,859 |
| Cost of funding earning assets | 1.5786% | 2,779 |
| Net interest margin | 4.0958% | 2,583 |
| Noninterest income to average assets | 0.6300% | 3,129 |
| Noninterest expense to average assets | 1.8745% | 7,298 |
| Loan and lease loss provision to assets | 0.3510% | 3,615 |
| Net operating income to assets | 2.1395% | 257 |
| Return on assets (ROA) | 2.1584% | 274 |
| Pretax return on assets | 2.1910% | 411 |
| Return on Equity (ROE) | 17.3380% | 536 |
| Retained earnings to average equity (ytd only) | 11.7483% | 526 |
| Net charge-offs to loans | -0.0017% | 7,065 |
| Credit loss provision to net charge-offs | -28,500.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6271% | 7,565 |
| Assets per employee ($millions) | 7.4271% | 639 |
| Cash dividends to net income (ytd only)* | 32.2397% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6400% | 1,146 |
| Loan loss allowance to noncurrent loans | 94.5320% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.2724% | 3,164 |
| Noncurrent loans to loans | 2.7927% | 2,860 |
| Net loans and leases to total assets | 69.0642% | 3,116 |
| Net loans and leases to deposits | 86.7261% | 2,389 |
| Net loans and leases to core deposits | 102.3119% | 1,800 |
| Total domestic deposits to total assets | 79.6348% | 5,845 |
| Equity capital to assets | 12.8148% | 1,645 |
| Core capital (leverage) ratio | 11.8904% | 1,708 |
| Tier 1 risk-based capital ratio | 14.4013% | 3,490 |
| Total risk-based capital ratio | 15.6643% | 3,455 |
| Memoranda: | ||
| Average total assets | $324,776,330 | 2,044 |
| Average earning assets | $298,746,000 | 2,032 |
| Average equity | $40,431,330 | 1,643 |
| Average total loans | $234,934,000 | 1,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 1,583 |
| Cost of funding earning assets | 1.6190% | 2,843 |
| Net interest margin | 4.1443% | 2,257 |
| Noninterest income to average assets | 0.9575% | 1,425 |
| Noninterest expense to average assets | 1.9211% | 7,299 |
| Loan and lease loss provision to assets | 0.2594% | 3,961 |
| Net operating income to assets | 2.5457% | 143 |
| Return on assets (ROA) | 2.5796% | 145 |
| Pretax return on assets | 2.6192% | 205 |
| Return on Equity (ROE) | 21.0335% | 329 |
| Retained earnings to average equity (ytd only) | 14.1835% | 486 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3163% | 7,728 |
| Assets per employee ($millions) | 7.3278% | 710 |
| Cash dividends to net income (ytd only)* | 32.5670% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 1,354 |
| Loan loss allowance to noncurrent loans | 211.6134% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 4,889 |
| Noncurrent loans to loans | 1.1607% | 5,047 |
| Net loans and leases to total assets | 70.9248% | 2,715 |
| Net loans and leases to deposits | 91.7406% | 1,646 |
| Net loans and leases to core deposits | 109.8743% | 1,281 |
| Total domestic deposits to total assets | 77.3102% | 6,488 |
| Equity capital to assets | 12.6591% | 1,671 |
| Core capital (leverage) ratio | 11.7576% | 1,772 |
| Tier 1 risk-based capital ratio | 13.9966% | 3,654 |
| Total risk-based capital ratio | 15.2576% | 3,613 |
| Memoranda: | ||
| Average total assets | $323,768,000 | 2,096 |
| Average earning assets | $297,469,500 | 2,095 |
| Average equity | $39,708,000 | 1,695 |
| Average total loans | $236,492,500 | 1,949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8808% | 2,320 |
| Cost of funding earning assets | 2.3183% | 1,585 |
| Net interest margin | 3.5625% | 4,682 |
| Noninterest income to average assets | 0.3194% | 5,803 |
| Noninterest expense to average assets | 1.9391% | 7,445 |
| Loan and lease loss provision to assets | 2.4808% | 803 |
| Net operating income to assets | -0.7947% | 6,431 |
| Return on assets (ROA) | -0.8815% | 6,498 |
| Pretax return on assets | -0.8815% | 6,332 |
| Return on Equity (ROE) | -7.6712% | 6,440 |
| Retained earnings to average equity (ytd only) | -11.1923% | 6,614 |
| Net charge-offs to loans | 2.4082% | 948 |
| Credit loss provision to net charge-offs | 129.2149% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.8782% | 5,226 |
| Efficiency ratio | 53.4890% | 7,282 |
| Assets per employee ($millions) | 7.3889% | 677 |
| Cash dividends to net income (ytd only)* | -45.9005% | 7,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3257% | 1,438 |
| Loan loss allowance to noncurrent loans | 203.8207% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 4,297 |
| Noncurrent loans to loans | 1.1411% | 5,050 |
| Net loans and leases to total assets | 71.6677% | 2,842 |
| Net loans and leases to deposits | 92.8043% | 1,766 |
| Net loans and leases to core deposits | 116.0988% | 2,309 |
| Total domestic deposits to total assets | 77.2245% | 6,409 |
| Equity capital to assets | 11.8728% | 2,096 |
| Core capital (leverage) ratio | 11.0448% | 2,201 |
| Tier 1 risk-based capital ratio | 13.2157% | 4,001 |
| Total risk-based capital ratio | 14.4754% | 3,942 |
| Memoranda: | ||
| Average total assets | $323,762,600 | 2,094 |
| Average earning assets | $300,435,000 | 2,070 |
| Average equity | $37,204,200 | 1,806 |
| Average total loans | $258,122,400 | 1,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9072% | 2,421 |
| Cost of funding earning assets | 2.4470% | 1,458 |
| Net interest margin | 3.4602% | 5,028 |
| Noninterest income to average assets | 0.2807% | 6,228 |
| Noninterest expense to average assets | 1.9281% | 7,497 |
| Loan and lease loss provision to assets | 0.8550% | 2,241 |
| Net operating income to assets | 0.7062% | 3,185 |
| Return on assets (ROA) | 0.6493% | 3,469 |
| Pretax return on assets | 0.6592% | 3,988 |
| Return on Equity (ROE) | 5.6978% | 3,651 |
| Retained earnings to average equity (ytd only) | 0.9587% | 4,775 |
| Net charge-offs to loans | 0.4654% | 3,358 |
| Credit loss provision to net charge-offs | 225.9259% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.1547% | 3,238 |
| Efficiency ratio | 55.0819% | 7,109 |
| Assets per employee ($millions) | 7.2059% | 720 |
| Cash dividends to net income (ytd only)* | 83.1744% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 1,976 |
| Loan loss allowance to noncurrent loans | 43.7875% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 3.7648% | 1,725 |
| Noncurrent loans to loans | 4.3866% | 1,610 |
| Net loans and leases to total assets | 76.9714% | 1,791 |
| Net loans and leases to deposits | 95.6511% | 1,626 |
| Net loans and leases to core deposits | 118.4095% | 2,383 |
| Total domestic deposits to total assets | 80.4710% | 5,261 |
| Equity capital to assets | 11.6962% | 2,437 |
| Core capital (leverage) ratio | 11.0878% | 2,343 |
| Tier 1 risk-based capital ratio | 12.3172% | 4,687 |
| Total risk-based capital ratio | 13.5727% | 4,632 |
| Memoranda: | ||
| Average total assets | $323,425,000 | 2,108 |
| Average earning assets | $300,935,250 | 2,084 |
| Average equity | $36,855,250 | 1,847 |
| Average total loans | $263,015,750 | 1,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 2,082 |
| Cost of funding earning assets | 2.5418% | 1,473 |
| Net interest margin | 3.4821% | 4,883 |
| Noninterest income to average assets | 0.2606% | 6,411 |
| Noninterest expense to average assets | 2.0239% | 7,424 |
| Loan and lease loss provision to assets | 0.4221% | 3,434 |
| Net operating income to assets | 1.0423% | 1,967 |
| Return on assets (ROA) | 1.0423% | 2,043 |
| Pretax return on assets | 1.0577% | 2,785 |
| Return on Equity (ROE) | 9.2279% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.1181% | 2,446 |
| Net charge-offs to loans | 0.0647% | 5,595 |
| Credit loss provision to net charge-offs | 793.0233% | 593 |
| Earnings coverage of net charge-offs (x) | 27.8023% | 1,049 |
| Efficiency ratio | 57.7636% | 6,897 |
| Assets per employee ($millions) | 6.9987% | 774 |
| Cash dividends to net income (ytd only)* | 44.5368% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 2,380 |
| Loan loss allowance to noncurrent loans | 242.6009% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 6,002 |
| Noncurrent loans to loans | 0.6973% | 5,854 |
| Net loans and leases to total assets | 79.8595% | 1,338 |
| Net loans and leases to deposits | 100.8331% | 1,194 |
| Net loans and leases to core deposits | 126.5425% | 1,814 |
| Total domestic deposits to total assets | 79.1997% | 5,750 |
| Equity capital to assets | 11.8272% | 2,307 |
| Core capital (leverage) ratio | 11.2517% | 2,223 |
| Tier 1 risk-based capital ratio | 12.5129% | 4,512 |
| Total risk-based capital ratio | 13.7658% | 4,428 |
| Memoranda: | ||
| Average total assets | $323,144,330 | 2,132 |
| Average earning assets | $300,971,000 | 2,109 |
| Average equity | $36,498,000 | 1,870 |
| Average total loans | $265,860,670 | 1,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9743% | 2,463 |
| Cost of funding earning assets | 2.6238% | 1,494 |
| Net interest margin | 3.3504% | 5,321 |
| Noninterest income to average assets | 0.3838% | 5,349 |
| Noninterest expense to average assets | 1.9484% | 7,450 |
| Loan and lease loss provision to assets | 0.3936% | 2,969 |
| Net operating income to assets | 1.1417% | 1,836 |
| Return on assets (ROA) | 1.1417% | 1,953 |
| Pretax return on assets | 1.1588% | 2,771 |
| Return on Equity (ROE) | 10.3426% | 2,182 |
| Retained earnings to average equity (ytd only) | 5.9132% | 2,668 |
| Net charge-offs to loans | 0.1211% | 4,008 |
| Credit loss provision to net charge-offs | 392.6829% | 1,315 |
| Earnings coverage of net charge-offs (x) | 15.4878% | 1,604 |
| Efficiency ratio | 55.6564% | 7,009 |
| Assets per employee ($millions) | 7.1144% | 737 |
| Cash dividends to net income (ytd only)* | 42.8266% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,079 |
| Loan loss allowance to noncurrent loans | 115.2306% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 4,335 |
| Noncurrent loans to loans | 1.2858% | 4,406 |
| Net loans and leases to total assets | 80.7038% | 1,257 |
| Net loans and leases to deposits | 101.3484% | 1,249 |
| Net loans and leases to core deposits | 130.6727% | 1,618 |
| Total domestic deposits to total assets | 79.6301% | 5,496 |
| Equity capital to assets | 11.1920% | 2,818 |
| Core capital (leverage) ratio | 11.0077% | 2,493 |
| Tier 1 risk-based capital ratio | 11.7650% | 5,155 |
| Total risk-based capital ratio | 13.0037% | 5,088 |
| Memoranda: | ||
| Average total assets | $327,245,000 | 2,126 |
| Average earning assets | $304,439,500 | 2,096 |
| Average equity | $36,122,500 | 1,898 |
| Average total loans | $270,871,000 | 1,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5886% | 2,545 |
| Cost of funding earning assets | 3.1594% | 1,321 |
| Net interest margin | 3.4292% | 5,546 |
| Noninterest income to average assets | 0.1873% | 7,105 |
| Noninterest expense to average assets | 2.1170% | 7,196 |
| Loan and lease loss provision to assets | 0.2399% | 4,503 |
| Net operating income to assets | 0.9818% | 2,626 |
| Return on assets (ROA) | 0.9070% | 2,816 |
| Pretax return on assets | 0.9209% | 3,655 |
| Return on Equity (ROE) | 8.5023% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.5327% | 1,750 |
| Net charge-offs to loans | 0.1048% | 5,253 |
| Credit loss provision to net charge-offs | 276.5957% | 1,652 |
| Earnings coverage of net charge-offs (x) | 14.2624% | 2,053 |
| Efficiency ratio | 63.1178% | 5,758 |
| Assets per employee ($millions) | 6.8173% | 766 |
| Cash dividends to net income (ytd only)* | 34.9271% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 3,399 |
| Loan loss allowance to noncurrent loans | 180.0289% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,409 |
| Noncurrent loans to loans | 0.7575% | 5,141 |
| Net loans and leases to total assets | 82.4884% | 1,138 |
| Net loans and leases to deposits | 103.6451% | 1,379 |
| Net loans and leases to core deposits | 131.6939% | 1,745 |
| Total domestic deposits to total assets | 79.5873% | 5,170 |
| Equity capital to assets | 10.8848% | 3,133 |
| Core capital (leverage) ratio | 10.7123% | 2,808 |
| Tier 1 risk-based capital ratio | 11.4960% | 5,242 |
| Total risk-based capital ratio | 12.7152% | 5,167 |
| Memoranda: | ||
| Average total assets | $325,128,800 | 2,056 |
| Average earning assets | $300,245,400 | 2,038 |
| Average equity | $34,684,800 | 1,956 |
| Average total loans | $268,990,800 | 1,780 |