Home > First Federal Community Bank > Performance and Condition Ratios
First Federal Community 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 | 5.1969% | 1,666 |
| Cost of funding earning assets | 1.5615% | 1,788 |
| Net interest margin | 3.6354% | 1,891 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.9445% | 3,746 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4962% | 1,027 |
| Return on assets (ROA) | 1.4962% | 997 |
| Pretax return on assets | 1.8389% | 846 |
| Return on Equity (ROE) | 18.7800% | 730 |
| Retained earnings to average equity (ytd only) | 13.8715% | 411 |
| Net charge-offs to loans | 0.0005% | 2,884 |
| Credit loss provision to net charge-offs | 3,500.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 4,460.3333% | 18 |
| Efficiency ratio | 51.1981% | 3,891 |
| Assets per employee ($millions) | 7.9285% | 1,476 |
| Cash dividends to net income (ytd only)* | 26.1526% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,072.3048% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,085 |
| Noncurrent loans to loans | 0.0926% | 3,075 |
| Net loans and leases to total assets | 76.3500% | 1,073 |
| Net loans and leases to deposits | 84.2540% | 1,756 |
| Net loans and leases to core deposits | 94.3926% | 1,747 |
| Total domestic deposits to total assets | 90.6200% | 597 |
| Equity capital to assets | 8.2673% | 3,230 |
| Core capital (leverage) ratio | 8.7205% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2385% | 2,160 |
| Memoranda: | ||
| Average total assets | $721,947,400 | 1,274 |
| Average earning assets | $672,434,200 | 1,277 |
| Average equity | $57,506,200 | 1,432 |
| Average total loans | $563,995,600 | 1,126 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 1,682 |
| Cost of funding earning assets | 1.4222% | 1,805 |
| Net interest margin | 3.6518% | 1,882 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.9787% | 3,643 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4828% | 1,154 |
| Return on assets (ROA) | 1.4828% | 1,137 |
| Pretax return on assets | 1.8207% | 982 |
| Return on Equity (ROE) | 18.8000% | 843 |
| Retained earnings to average equity (ytd only) | 14.1864% | 652 |
| Net charge-offs to loans | 0.0010% | 2,599 |
| Credit loss provision to net charge-offs | 2,475.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 2,462.7500% | 56 |
| Efficiency ratio | 51.8265% | 3,766 |
| Assets per employee ($millions) | 8.3174% | 1,203 |
| Cash dividends to net income (ytd only)* | 24.5530% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,358 |
| Loan loss allowance to noncurrent loans | 952.3967% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,043 |
| Noncurrent loans to loans | 0.1052% | 3,048 |
| Net loans and leases to total assets | 76.9400% | 1,004 |
| Net loans and leases to deposits | 85.0824% | 1,648 |
| Net loans and leases to core deposits | 95.3705% | 1,590 |
| Total domestic deposits to total assets | 90.4300% | 832 |
| Equity capital to assets | 7.8315% | 3,160 |
| Core capital (leverage) ratio | 8.6996% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9222% | 2,291 |
| Memoranda: | ||
| Average total assets | $714,133,000 | 1,281 |
| Average earning assets | $664,127,750 | 1,283 |
| Average equity | $56,315,250 | 1,446 |
| Average total loans | $559,786,250 | 1,132 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 1,723 |
| Cost of funding earning assets | 1.2434% | 1,867 |
| Net interest margin | 3.6734% | 1,871 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0184% | 3,550 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4661% | 1,176 |
| Return on assets (ROA) | 1.4661% | 1,163 |
| Pretax return on assets | 1.7952% | 1,018 |
| Return on Equity (ROE) | 18.5500% | 885 |
| Retained earnings to average equity (ytd only) | 14.3322% | 642 |
| Net charge-offs to loans | 0.0014% | 2,346 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 1,598.0000% | 85 |
| Efficiency ratio | 52.6904% | 3,724 |
| Assets per employee ($millions) | 8.4900% | 1,099 |
| Cash dividends to net income (ytd only)* | 22.7229% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 3,854 |
| Loan loss allowance to noncurrent loans | 775.8998% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,916 |
| Noncurrent loans to loans | 0.1124% | 2,918 |
| Net loans and leases to total assets | 77.2100% | 918 |
| Net loans and leases to deposits | 87.1744% | 1,412 |
| Net loans and leases to core deposits | 95.0672% | 1,515 |
| Total domestic deposits to total assets | 88.5700% | 1,390 |
| Equity capital to assets | 7.9463% | 3,248 |
| Core capital (leverage) ratio | 8.8139% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6522% | 2,418 |
| Memoranda: | ||
| Average total assets | $705,426,333 | 1,290 |
| Average earning assets | $655,798,667 | 1,287 |
| Average equity | $55,762,667 | 1,461 |
| Average total loans | $554,619,000 | 1,128 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 1,684 |
| Cost of funding earning assets | 1.0980% | 1,756 |
| Net interest margin | 3.6746% | 1,956 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0442% | 3,508 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4406% | 1,307 |
| Return on assets (ROA) | 1.4406% | 1,280 |
| Pretax return on assets | 1.7730% | 1,122 |
| Return on Equity (ROE) | 18.2700% | 992 |
| Retained earnings to average equity (ytd only) | 12.0510% | 1,259 |
| Net charge-offs to loans | -0.0007% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3113% | 3,674 |
| Assets per employee ($millions) | 8.2898% | 1,210 |
| Cash dividends to net income (ytd only)* | 34.0545% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 3,885 |
| Loan loss allowance to noncurrent loans | 910.1476% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,031 |
| Noncurrent loans to loans | 0.0977% | 3,055 |
| Net loans and leases to total assets | 78.0200% | 766 |
| Net loans and leases to deposits | 89.3402% | 1,103 |
| Net loans and leases to core deposits | 94.9845% | 1,329 |
| Total domestic deposits to total assets | 87.3300% | 2,152 |
| Equity capital to assets | 7.9286% | 3,291 |
| Core capital (leverage) ratio | 8.7663% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4213% | 2,594 |
| Memoranda: | ||
| Average total assets | $693,068,500 | 1,324 |
| Average earning assets | $645,191,000 | 1,319 |
| Average equity | $54,634,500 | 1,499 |
| Average total loans | $547,572,500 | 1,150 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 1,694 |
| Cost of funding earning assets | 0.4321% | 1,845 |
| Net interest margin | 3.5760% | 1,712 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.9643% | 3,676 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4403% | 1,026 |
| Return on assets (ROA) | 1.4403% | 988 |
| Pretax return on assets | 1.7654% | 790 |
| Return on Equity (ROE) | 17.9000% | 718 |
| Retained earnings to average equity (ytd only) | 12.8576% | 529 |
| Net charge-offs to loans | -0.0004% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.0413% | 3,977 |
| Assets per employee ($millions) | 8.4136% | 1,137 |
| Cash dividends to net income (ytd only)* | 28.1683% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,742 |
| Loan loss allowance to noncurrent loans | 854.0070% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 2,960 |
| Noncurrent loans to loans | 0.1062% | 3,003 |
| Net loans and leases to total assets | 78.5800% | 744 |
| Net loans and leases to deposits | 88.4598% | 1,144 |
| Net loans and leases to core deposits | 96.5857% | 1,168 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 7.8358% | 3,157 |
| Core capital (leverage) ratio | 8.5464% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3623% | 2,627 |
| Memoranda: | ||
| Average total assets | $646,997,200 | 1,385 |
| Average earning assets | $600,532,800 | 1,387 |
| Average equity | $52,062,600 | 1,564 |
| Average total loans | $507,772,400 | 1,166 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 1,798 |
| Cost of funding earning assets | 0.2924% | 2,252 |
| Net interest margin | 3.4944% | 1,679 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.9624% | 3,582 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3814% | 1,139 |
| Return on assets (ROA) | 1.3814% | 1,112 |
| Pretax return on assets | 1.6878% | 925 |
| Return on Equity (ROE) | 17.0500% | 780 |
| Retained earnings to average equity (ytd only) | 12.4726% | 700 |
| Net charge-offs to loans | 0.0003% | 2,344 |
| Credit loss provision to net charge-offs | 26,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 8,341.0000% | 5 |
| Efficiency ratio | 52.9740% | 3,915 |
| Assets per employee ($millions) | 7.7681% | 1,439 |
| Cash dividends to net income (ytd only)* | 26.8370% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 3,762 |
| Loan loss allowance to noncurrent loans | 975.7515% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,146 |
| Noncurrent loans to loans | 0.0956% | 3,195 |
| Net loans and leases to total assets | 77.4400% | 755 |
| Net loans and leases to deposits | 85.6406% | 1,194 |
| Net loans and leases to core deposits | 91.2816% | 1,214 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 7.6681% | 3,112 |
| Core capital (leverage) ratio | 8.6984% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3690% | 2,700 |
| Memoranda: | ||
| Average total assets | $638,371,500 | 1,409 |
| Average earning assets | $591,938,500 | 1,412 |
| Average equity | $51,728,000 | 1,600 |
| Average total loans | $499,601,250 | 1,177 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 1,683 |
| Cost of funding earning assets | 0.2280% | 2,532 |
| Net interest margin | 3.4224% | 1,534 |
| Noninterest income to average assets | 0.4665% | 2,365 |
| Noninterest expense to average assets | 1.9969% | 3,437 |
| Loan and lease loss provision to assets | 0.0732% | 1,314 |
| Net operating income to assets | 1.2911% | 1,160 |
| Return on assets (ROA) | 1.2911% | 1,143 |
| Pretax return on assets | 1.5641% | 1,021 |
| Return on Equity (ROE) | 15.6354% | 765 |
| Retained earnings to average equity (ytd only) | 11.4924% | 700 |
| Net charge-offs to loans | 0.0008% | 2,121 |
| Credit loss provision to net charge-offs | 11,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 2,572.5000% | 34 |
| Efficiency ratio | 54.9475% | 3,874 |
| Assets per employee ($millions) | 7.4230% | 1,664 |
| Cash dividends to net income (ytd only)* | 26.4974% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 3,797 |
| Loan loss allowance to noncurrent loans | 993.4292% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,229 |
| Noncurrent loans to loans | 0.0955% | 3,289 |
| Net loans and leases to total assets | 77.3057% | 614 |
| Net loans and leases to deposits | 86.4623% | 941 |
| Net loans and leases to core deposits | 88.1452% | 1,216 |
| Total domestic deposits to total assets | 89.4097% | 1,996 |
| Equity capital to assets | 7.8003% | 3,266 |
| Core capital (leverage) ratio | 8.6830% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8455% | 2,552 |
| Memoranda: | ||
| Average total assets | $628,476,333 | 1,436 |
| Average earning assets | $581,704,000 | 1,444 |
| Average equity | $51,895,000 | 1,635 |
| Average total loans | $492,065,000 | 1,183 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 1,595 |
| Cost of funding earning assets | 0.2157% | 2,584 |
| Net interest margin | 3.3531% | 1,431 |
| Noninterest income to average assets | 0.4688% | 2,306 |
| Noninterest expense to average assets | 2.0367% | 3,335 |
| Loan and lease loss provision to assets | 0.0649% | 1,255 |
| Net operating income to assets | 1.2017% | 1,242 |
| Return on assets (ROA) | 1.2017% | 1,233 |
| Pretax return on assets | 1.4751% | 1,065 |
| Return on Equity (ROE) | 14.1389% | 810 |
| Retained earnings to average equity (ytd only) | 8.2191% | 1,512 |
| Net charge-offs to loans | -0.0091% | 3,548 |
| Credit loss provision to net charge-offs | -909.0909% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9432% | 3,792 |
| Assets per employee ($millions) | 7.3823% | 1,750 |
| Cash dividends to net income (ytd only)* | 41.8693% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,865 |
| Loan loss allowance to noncurrent loans | 849.1007% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,182 |
| Noncurrent loans to loans | 0.1135% | 3,258 |
| Net loans and leases to total assets | 78.2381% | 363 |
| Net loans and leases to deposits | 89.4744% | 538 |
| Net loans and leases to core deposits | 90.7161% | 891 |
| Total domestic deposits to total assets | 87.4419% | 2,767 |
| Equity capital to assets | 8.2968% | 3,325 |
| Core capital (leverage) ratio | 8.6793% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8604% | 2,656 |
| Memoranda: | ||
| Average total assets | $616,104,500 | 1,467 |
| Average earning assets | $571,060,500 | 1,475 |
| Average equity | $52,366,000 | 1,665 |
| Average total loans | $483,190,500 | 1,191 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 2,044 |
| Cost of funding earning assets | 0.3207% | 2,190 |
| Net interest margin | 3.4037% | 2,014 |
| Noninterest income to average assets | 0.5669% | 2,292 |
| Noninterest expense to average assets | 1.8944% | 3,933 |
| Loan and lease loss provision to assets | 0.0504% | 2,051 |
| Net operating income to assets | 1.4643% | 1,097 |
| Return on assets (ROA) | 1.4643% | 1,157 |
| Pretax return on assets | 1.8013% | 912 |
| Return on Equity (ROE) | 17.1168% | 569 |
| Retained earnings to average equity (ytd only) | 12.5730% | 458 |
| Net charge-offs to loans | -0.0077% | 3,660 |
| Credit loss provision to net charge-offs | -867.6471% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5702% | 4,240 |
| Assets per employee ($millions) | 7.3746% | 1,680 |
| Cash dividends to net income (ytd only)* | 26.5461% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,881 |
| Loan loss allowance to noncurrent loans | 715.8385% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,194 |
| Noncurrent loans to loans | 0.1352% | 3,251 |
| Net loans and leases to total assets | 77.0933% | 438 |
| Net loans and leases to deposits | 87.1628% | 704 |
| Net loans and leases to core deposits | 88.3717% | 1,053 |
| Total domestic deposits to total assets | 88.4475% | 1,816 |
| Equity capital to assets | 8.7049% | 3,880 |
| Core capital (leverage) ratio | 8.5203% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9562% | 2,646 |
| Memoranda: | ||
| Average total assets | $585,259,600 | 1,486 |
| Average earning assets | $546,632,600 | 1,477 |
| Average equity | $50,067,800 | 1,764 |
| Average total loans | $441,778,400 | 1,282 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 2,162 |
| Cost of funding earning assets | 0.3422% | 2,188 |
| Net interest margin | 3.4016% | 2,147 |
| Noninterest income to average assets | 0.5821% | 2,290 |
| Noninterest expense to average assets | 1.8932% | 3,963 |
| Loan and lease loss provision to assets | 0.0334% | 2,332 |
| Net operating income to assets | 1.4945% | 1,285 |
| Return on assets (ROA) | 1.4945% | 1,331 |
| Pretax return on assets | 1.8379% | 1,072 |
| Return on Equity (ROE) | 17.5512% | 681 |
| Retained earnings to average equity (ytd only) | 13.4239% | 578 |
| Net charge-offs to loans | -0.0102% | 3,673 |
| Credit loss provision to net charge-offs | -439.3939% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2908% | 4,195 |
| Assets per employee ($millions) | 7.1698% | 1,756 |
| Cash dividends to net income (ytd only)* | 23.5158% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,899 |
| Loan loss allowance to noncurrent loans | 716.8810% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,409 |
| Noncurrent loans to loans | 0.1374% | 3,424 |
| Net loans and leases to total assets | 75.3088% | 594 |
| Net loans and leases to deposits | 85.1839% | 877 |
| Net loans and leases to core deposits | 86.6848% | 1,241 |
| Total domestic deposits to total assets | 88.4073% | 1,615 |
| Equity capital to assets | 8.7456% | 4,035 |
| Core capital (leverage) ratio | 8.5161% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1497% | 2,658 |
| Memoranda: | ||
| Average total assets | $578,551,500 | 1,512 |
| Average earning assets | $541,259,000 | 1,510 |
| Average equity | $49,264,250 | 1,810 |
| Average total loans | $433,100,000 | 1,323 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 2,695 |
| Cost of funding earning assets | 0.3711% | 2,125 |
| Net interest margin | 3.2064% | 2,733 |
| Noninterest income to average assets | 0.5783% | 2,303 |
| Noninterest expense to average assets | 1.8760% | 4,022 |
| Loan and lease loss provision to assets | 0.0419% | 2,172 |
| Net operating income to assets | 1.3615% | 1,674 |
| Return on assets (ROA) | 1.3615% | 1,753 |
| Pretax return on assets | 1.6669% | 1,570 |
| Return on Equity (ROE) | 16.1406% | 930 |
| Retained earnings to average equity (ytd only) | 12.7271% | 771 |
| Net charge-offs to loans | -0.0098% | 3,662 |
| Credit loss provision to net charge-offs | -571.4286% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3318% | 4,010 |
| Assets per employee ($millions) | 7.1880% | 1,666 |
| Cash dividends to net income (ytd only)* | 21.1484% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,858 |
| Loan loss allowance to noncurrent loans | 682.4074% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 3,497 |
| Noncurrent loans to loans | 0.1451% | 3,477 |
| Net loans and leases to total assets | 75.0378% | 672 |
| Net loans and leases to deposits | 84.8070% | 1,005 |
| Net loans and leases to core deposits | 86.2792% | 1,395 |
| Total domestic deposits to total assets | 88.4807% | 1,574 |
| Equity capital to assets | 8.5212% | 4,188 |
| Core capital (leverage) ratio | 8.2727% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5339% | 2,532 |
| Memoranda: | ||
| Average total assets | $573,038,667 | 1,514 |
| Average earning assets | $537,298,333 | 1,509 |
| Average equity | $48,337,667 | 1,819 |
| Average total loans | $426,595,333 | 1,336 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 2,311 |
| Cost of funding earning assets | 0.4153% | 1,975 |
| Net interest margin | 3.3054% | 2,377 |
| Noninterest income to average assets | 0.5800% | 2,293 |
| Noninterest expense to average assets | 1.8341% | 4,142 |
| Loan and lease loss provision to assets | 0.0425% | 2,213 |
| Net operating income to assets | 1.4609% | 1,417 |
| Return on assets (ROA) | 1.4609% | 1,477 |
| Pretax return on assets | 1.8037% | 1,283 |
| Return on Equity (ROE) | 17.4115% | 791 |
| Retained earnings to average equity (ytd only) | 11.9256% | 1,165 |
| Net charge-offs to loans | -0.0202% | 4,002 |
| Credit loss provision to net charge-offs | -285.7143% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8364% | 4,196 |
| Assets per employee ($millions) | 7.4288% | 1,497 |
| Cash dividends to net income (ytd only)* | 31.5075% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,701 |
| Loan loss allowance to noncurrent loans | 649.1071% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,588 |
| Noncurrent loans to loans | 0.1598% | 3,536 |
| Net loans and leases to total assets | 71.8030% | 1,054 |
| Net loans and leases to deposits | 80.8726% | 1,438 |
| Net loans and leases to core deposits | 82.6491% | 1,789 |
| Total domestic deposits to total assets | 88.7853% | 1,445 |
| Equity capital to assets | 8.2650% | 4,315 |
| Core capital (leverage) ratio | 8.3219% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0364% | 2,279 |
| Memoranda: | ||
| Average total assets | $564,852,000 | 1,528 |
| Average earning assets | $529,793,000 | 1,516 |
| Average equity | $47,394,000 | 1,842 |
| Average total loans | $416,541,000 | 1,370 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,159 |
| Cost of funding earning assets | 0.6672% | 1,892 |
| Net interest margin | 3.5257% | 2,390 |
| Noninterest income to average assets | 0.8075% | 1,509 |
| Noninterest expense to average assets | 2.0034% | 4,135 |
| Loan and lease loss provision to assets | 0.1285% | 2,755 |
| Net operating income to assets | 1.5956% | 646 |
| Return on assets (ROA) | 1.5981% | 696 |
| Pretax return on assets | 1.9835% | 470 |
| Return on Equity (ROE) | 18.5913% | 294 |
| Retained earnings to average equity (ytd only) | 14.0193% | 191 |
| Net charge-offs to loans | 0.0151% | 2,814 |
| Credit loss provision to net charge-offs | 1,076.6667% | 746 |
| Earnings coverage of net charge-offs (x) | 176.6500% | 511 |
| Efficiency ratio | 48.7153% | 4,599 |
| Assets per employee ($millions) | 7.4359% | 1,320 |
| Cash dividends to net income (ytd only)* | 24.5922% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,729 |
| Loan loss allowance to noncurrent loans | 590.4828% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,627 |
| Noncurrent loans to loans | 0.1757% | 3,581 |
| Net loans and leases to total assets | 74.2160% | 995 |
| Net loans and leases to deposits | 84.0079% | 1,455 |
| Net loans and leases to core deposits | 86.3470% | 1,843 |
| Total domestic deposits to total assets | 88.3440% | 1,307 |
| Equity capital to assets | 8.5227% | 4,427 |
| Core capital (leverage) ratio | 8.2087% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9059% | 2,280 |
| Memoranda: | ||
| Average total assets | $502,545,800 | 1,545 |
| Average earning assets | $471,087,400 | 1,534 |
| Average equity | $43,197,600 | 1,903 |
| Average total loans | $398,595,800 | 1,363 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 2,445 |
| Cost of funding earning assets | 0.7292% | 1,859 |
| Net interest margin | 3.4518% | 2,745 |
| Noninterest income to average assets | 0.7661% | 1,606 |
| Noninterest expense to average assets | 2.0306% | 4,086 |
| Loan and lease loss provision to assets | 0.0940% | 3,139 |
| Net operating income to assets | 1.5128% | 884 |
| Return on assets (ROA) | 1.5161% | 953 |
| Pretax return on assets | 1.8808% | 661 |
| Return on Equity (ROE) | 17.5964% | 393 |
| Retained earnings to average equity (ytd only) | 13.4173% | 293 |
| Net charge-offs to loans | 0.0209% | 2,439 |
| Credit loss provision to net charge-offs | 558.0645% | 1,209 |
| Earnings coverage of net charge-offs (x) | 116.9677% | 705 |
| Efficiency ratio | 50.7471% | 4,444 |
| Assets per employee ($millions) | 7.2461% | 1,356 |
| Cash dividends to net income (ytd only)* | 23.7498% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,914 |
| Loan loss allowance to noncurrent loans | 478.8207% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 3,639 |
| Noncurrent loans to loans | 0.1973% | 3,600 |
| Net loans and leases to total assets | 77.8232% | 851 |
| Net loans and leases to deposits | 87.9253% | 1,493 |
| Net loans and leases to core deposits | 90.3692% | 1,944 |
| Total domestic deposits to total assets | 88.5107% | 970 |
| Equity capital to assets | 8.3723% | 4,537 |
| Core capital (leverage) ratio | 8.2675% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8130% | 2,284 |
| Memoranda: | ||
| Average total assets | $490,617,500 | 1,560 |
| Average earning assets | $459,848,750 | 1,543 |
| Average equity | $42,272,750 | 1,921 |
| Average total loans | $395,079,500 | 1,361 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,416 |
| Cost of funding earning assets | 0.8086% | 1,785 |
| Net interest margin | 3.5140% | 2,739 |
| Noninterest income to average assets | 0.6247% | 2,035 |
| Noninterest expense to average assets | 2.0016% | 4,231 |
| Loan and lease loss provision to assets | 0.0614% | 3,534 |
| Net operating income to assets | 1.4938% | 935 |
| Return on assets (ROA) | 1.4989% | 1,001 |
| Pretax return on assets | 1.8586% | 728 |
| Return on Equity (ROE) | 17.2128% | 427 |
| Retained earnings to average equity (ytd only) | 13.9519% | 280 |
| Net charge-offs to loans | 0.0326% | 2,079 |
| Credit loss provision to net charge-offs | 231.7460% | 1,800 |
| Earnings coverage of net charge-offs (x) | 72.2063% | 866 |
| Efficiency ratio | 51.1228% | 4,424 |
| Assets per employee ($millions) | 7.4204% | 1,216 |
| Cash dividends to net income (ytd only)* | 18.9447% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 3,984 |
| Loan loss allowance to noncurrent loans | 442.3888% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 3,701 |
| Noncurrent loans to loans | 0.2046% | 3,651 |
| Net loans and leases to total assets | 79.6237% | 635 |
| Net loans and leases to deposits | 90.1545% | 1,343 |
| Net loans and leases to core deposits | 93.0752% | 1,815 |
| Total domestic deposits to total assets | 88.3191% | 1,032 |
| Equity capital to assets | 8.3611% | 4,559 |
| Core capital (leverage) ratio | 8.4279% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7017% | 2,311 |
| Memoranda: | ||
| Average total assets | $475,420,000 | 1,567 |
| Average earning assets | $445,192,667 | 1,558 |
| Average equity | $41,399,333 | 1,941 |
| Average total loans | $386,347,667 | 1,371 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,208 |
| Cost of funding earning assets | 0.9168% | 1,783 |
| Net interest margin | 3.6188% | 2,608 |
| Noninterest income to average assets | 0.5073% | 2,513 |
| Noninterest expense to average assets | 2.1102% | 4,198 |
| Loan and lease loss provision to assets | 0.0441% | 3,227 |
| Net operating income to assets | 1.3973% | 986 |
| Return on assets (ROA) | 1.4080% | 1,040 |
| Pretax return on assets | 1.7406% | 790 |
| Return on Equity (ROE) | 15.8082% | 449 |
| Retained earnings to average equity (ytd only) | 10.3605% | 672 |
| Net charge-offs to loans | 0.0431% | 1,599 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 897 |
| Efficiency ratio | 54.3636% | 4,371 |
| Assets per employee ($millions) | 6.2421% | 1,490 |
| Cash dividends to net income (ytd only)* | 34.4612% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,768 |
| Loan loss allowance to noncurrent loans | 392.4788% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 3,648 |
| Noncurrent loans to loans | 0.2519% | 3,589 |
| Net loans and leases to total assets | 81.4249% | 515 |
| Net loans and leases to deposits | 94.5791% | 1,032 |
| Net loans and leases to core deposits | 100.8807% | 1,408 |
| Total domestic deposits to total assets | 86.0918% | 1,964 |
| Equity capital to assets | 8.9288% | 4,640 |
| Core capital (leverage) ratio | 9.0214% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0529% | 2,667 |
| Memoranda: | ||
| Average total assets | $453,414,500 | 1,598 |
| Average earning assets | $422,793,000 | 1,588 |
| Average equity | $40,384,000 | 1,976 |
| Average total loans | $370,837,500 | 1,383 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 2,036 |
| Cost of funding earning assets | 0.9224% | 2,099 |
| Net interest margin | 3.8799% | 2,239 |
| Noninterest income to average assets | 0.5107% | 2,674 |
| Noninterest expense to average assets | 2.2383% | 4,086 |
| Loan and lease loss provision to assets | 0.0816% | 2,371 |
| Net operating income to assets | 1.4490% | 1,193 |
| Return on assets (ROA) | 1.4490% | 1,255 |
| Pretax return on assets | 1.8014% | 933 |
| Return on Equity (ROE) | 16.2867% | 505 |
| Retained earnings to average equity (ytd only) | 12.6191% | 191 |
| Net charge-offs to loans | 0.0244% | 2,918 |
| Credit loss provision to net charge-offs | 409.5238% | 700 |
| Earnings coverage of net charge-offs (x) | 94.4643% | 709 |
| Efficiency ratio | 54.3099% | 4,392 |
| Assets per employee ($millions) | 6.1802% | 1,501 |
| Cash dividends to net income (ytd only)* | 22.5188% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,458 |
| Loan loss allowance to noncurrent loans | 453.3742% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 3,748 |
| Noncurrent loans to loans | 0.2221% | 3,651 |
| Net loans and leases to total assets | 80.5140% | 722 |
| Net loans and leases to deposits | 92.2220% | 1,344 |
| Net loans and leases to core deposits | 99.0230% | 1,647 |
| Total domestic deposits to total assets | 87.3046% | 1,449 |
| Equity capital to assets | 8.8843% | 4,745 |
| Core capital (leverage) ratio | 8.6781% | 4,734 |
| Tier 1 risk-based capital ratio | 11.7695% | 4,486 |
| Total risk-based capital ratio | 12.9105% | 4,436 |
| Memoranda: | ||
| Average total assets | $421,385,600 | 1,661 |
| Average earning assets | $392,146,200 | 1,658 |
| Average equity | $37,490,800 | 2,029 |
| Average total loans | $344,763,800 | 1,442 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 2,070 |
| Cost of funding earning assets | 0.9003% | 2,235 |
| Net interest margin | 3.9152% | 2,203 |
| Noninterest income to average assets | 0.5015% | 2,722 |
| Noninterest expense to average assets | 2.1622% | 4,252 |
| Loan and lease loss provision to assets | 0.0953% | 2,010 |
| Net operating income to assets | 1.5151% | 1,149 |
| Return on assets (ROA) | 1.5151% | 1,206 |
| Pretax return on assets | 1.8846% | 897 |
| Return on Equity (ROE) | 17.0232% | 478 |
| Retained earnings to average equity (ytd only) | 13.8567% | 210 |
| Net charge-offs to loans | 0.0326% | 2,419 |
| Credit loss provision to net charge-offs | 356.6265% | 846 |
| Earnings coverage of net charge-offs (x) | 74.0629% | 911 |
| Efficiency ratio | 52.2006% | 4,581 |
| Assets per employee ($millions) | 6.0706% | 1,556 |
| Cash dividends to net income (ytd only)* | 18.6012% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,532 |
| Loan loss allowance to noncurrent loans | 431.2057% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,803 |
| Noncurrent loans to loans | 0.2334% | 3,707 |
| Net loans and leases to total assets | 80.9622% | 712 |
| Net loans and leases to deposits | 93.2127% | 1,297 |
| Net loans and leases to core deposits | 100.4392% | 1,629 |
| Total domestic deposits to total assets | 86.8575% | 1,593 |
| Equity capital to assets | 8.8444% | 4,853 |
| Core capital (leverage) ratio | 9.1380% | 4,528 |
| Tier 1 risk-based capital ratio | 11.6623% | 4,586 |
| Total risk-based capital ratio | 12.8053% | 4,545 |
| Memoranda: | ||
| Average total assets | $413,943,250 | 1,703 |
| Average earning assets | $384,919,500 | 1,702 |
| Average equity | $36,843,000 | 2,070 |
| Average total loans | $339,220,250 | 1,471 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 2,025 |
| Cost of funding earning assets | 0.8765% | 2,265 |
| Net interest margin | 3.9348% | 2,137 |
| Noninterest income to average assets | 0.4997% | 2,685 |
| Noninterest expense to average assets | 2.2167% | 4,187 |
| Loan and lease loss provision to assets | 0.0668% | 2,475 |
| Net operating income to assets | 1.5101% | 1,121 |
| Return on assets (ROA) | 1.5101% | 1,173 |
| Pretax return on assets | 1.8768% | 877 |
| Return on Equity (ROE) | 16.9277% | 475 |
| Retained earnings to average equity (ytd only) | 14.0158% | 228 |
| Net charge-offs to loans | 0.0483% | 1,954 |
| Credit loss provision to net charge-offs | 168.7500% | 1,369 |
| Earnings coverage of net charge-offs (x) | 49.1000% | 1,108 |
| Efficiency ratio | 53.2826% | 4,536 |
| Assets per employee ($millions) | 5.5805% | 1,892 |
| Cash dividends to net income (ytd only)* | 17.2018% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,447 |
| Loan loss allowance to noncurrent loans | 410.1058% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 3,752 |
| Noncurrent loans to loans | 0.2509% | 3,634 |
| Net loans and leases to total assets | 81.2865% | 700 |
| Net loans and leases to deposits | 89.9973% | 1,740 |
| Net loans and leases to core deposits | 97.0249% | 1,976 |
| Total domestic deposits to total assets | 90.3210% | 233 |
| Equity capital to assets | 9.1341% | 4,708 |
| Core capital (leverage) ratio | 9.2158% | 4,439 |
| Tier 1 risk-based capital ratio | 12.0392% | 4,392 |
| Total risk-based capital ratio | 13.2096% | 4,327 |
| Memoranda: | ||
| Average total assets | $404,207,330 | 1,746 |
| Average earning assets | $376,032,670 | 1,738 |
| Average equity | $36,059,330 | 2,099 |
| Average total loans | $331,482,670 | 1,508 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 2,035 |
| Cost of funding earning assets | 0.8215% | 2,416 |
| Net interest margin | 3.9380% | 2,069 |
| Noninterest income to average assets | 0.4642% | 2,775 |
| Noninterest expense to average assets | 2.2599% | 4,121 |
| Loan and lease loss provision to assets | 0.0900% | 1,909 |
| Net operating income to assets | 1.4266% | 1,301 |
| Return on assets (ROA) | 1.4266% | 1,328 |
| Pretax return on assets | 1.7687% | 1,057 |
| Return on Equity (ROE) | 16.1912% | 568 |
| Retained earnings to average equity (ytd only) | 11.3656% | 734 |
| Net charge-offs to loans | 0.0403% | 1,697 |
| Credit loss provision to net charge-offs | 272.7273% | 876 |
| Earnings coverage of net charge-offs (x) | 56.3030% | 952 |
| Efficiency ratio | 54.8701% | 4,448 |
| Assets per employee ($millions) | 5.7313% | 1,766 |
| Cash dividends to net income (ytd only)* | 29.8036% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,428 |
| Loan loss allowance to noncurrent loans | 317.4545% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 3,531 |
| Noncurrent loans to loans | 0.3294% | 3,389 |
| Net loans and leases to total assets | 81.2194% | 681 |
| Net loans and leases to deposits | 92.9642% | 1,286 |
| Net loans and leases to core deposits | 100.4782% | 1,576 |
| Total domestic deposits to total assets | 87.3663% | 1,629 |
| Equity capital to assets | 8.8096% | 4,814 |
| Core capital (leverage) ratio | 9.2150% | 4,456 |
| Tier 1 risk-based capital ratio | 11.6650% | 4,644 |
| Total risk-based capital ratio | 12.8474% | 4,572 |
| Memoranda: | ||
| Average total assets | $399,832,000 | 1,769 |
| Average earning assets | $371,050,000 | 1,764 |
| Average equity | $35,229,000 | 2,131 |
| Average total loans | $327,639,500 | 1,530 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,259 |
| Cost of funding earning assets | 0.6966% | 2,112 |
| Net interest margin | 3.8623% | 2,461 |
| Noninterest income to average assets | 0.4847% | 2,915 |
| Noninterest expense to average assets | 2.2422% | 4,238 |
| Loan and lease loss provision to assets | 0.0846% | 2,440 |
| Net operating income to assets | 1.3537% | 1,601 |
| Return on assets (ROA) | 1.3537% | 1,589 |
| Pretax return on assets | 1.7398% | 1,070 |
| Return on Equity (ROE) | 15.8568% | 660 |
| Retained earnings to average equity (ytd only) | 13.3013% | 209 |
| Net charge-offs to loans | 0.0239% | 2,932 |
| Credit loss provision to net charge-offs | 432.4324% | 782 |
| Earnings coverage of net charge-offs (x) | 93.2297% | 775 |
| Efficiency ratio | 55.1372% | 4,501 |
| Assets per employee ($millions) | 5.6106% | 1,852 |
| Cash dividends to net income (ytd only)* | 16.1164% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,276 |
| Loan loss allowance to noncurrent loans | 242.2426% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,103 |
| Noncurrent loans to loans | 0.4413% | 2,960 |
| Net loans and leases to total assets | 80.9316% | 812 |
| Net loans and leases to deposits | 89.9079% | 1,812 |
| Net loans and leases to core deposits | 97.4044% | 1,923 |
| Total domestic deposits to total assets | 90.0161% | 476 |
| Equity capital to assets | 8.8124% | 4,727 |
| Core capital (leverage) ratio | 8.7832% | 4,822 |
| Tier 1 risk-based capital ratio | 11.7801% | 4,577 |
| Total risk-based capital ratio | 12.9906% | 4,478 |
| Memoranda: | ||
| Average total assets | $378,151,200 | 1,805 |
| Average earning assets | $350,701,200 | 1,806 |
| Average equity | $32,282,600 | 2,199 |
| Average total loans | $310,007,800 | 1,558 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,412 |
| Cost of funding earning assets | 0.6657% | 2,059 |
| Net interest margin | 3.7995% | 2,647 |
| Noninterest income to average assets | 0.4981% | 2,884 |
| Noninterest expense to average assets | 2.2251% | 4,268 |
| Loan and lease loss provision to assets | 0.0979% | 2,029 |
| Net operating income to assets | 1.3073% | 1,828 |
| Return on assets (ROA) | 1.3073% | 1,832 |
| Pretax return on assets | 1.7025% | 1,272 |
| Return on Equity (ROE) | 15.4441% | 794 |
| Retained earnings to average equity (ytd only) | 13.6566% | 285 |
| Net charge-offs to loans | 0.0343% | 2,401 |
| Credit loss provision to net charge-offs | 348.1013% | 903 |
| Earnings coverage of net charge-offs (x) | 64.0131% | 1,015 |
| Efficiency ratio | 55.2755% | 4,480 |
| Assets per employee ($millions) | 5.7425% | 1,699 |
| Cash dividends to net income (ytd only)* | 11.5740% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,297 |
| Loan loss allowance to noncurrent loans | 225.6667% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 3,129 |
| Noncurrent loans to loans | 0.4790% | 2,950 |
| Net loans and leases to total assets | 80.5037% | 946 |
| Net loans and leases to deposits | 88.5072% | 2,086 |
| Net loans and leases to core deposits | 96.0926% | 2,110 |
| Total domestic deposits to total assets | 90.9572% | 234 |
| Equity capital to assets | 8.6552% | 4,826 |
| Core capital (leverage) ratio | 8.8352% | 4,860 |
| Tier 1 risk-based capital ratio | 11.7099% | 4,664 |
| Total risk-based capital ratio | 12.9320% | 4,572 |
| Memoranda: | ||
| Average total assets | $374,503,000 | 1,823 |
| Average earning assets | $347,686,000 | 1,823 |
| Average equity | $31,700,750 | 2,239 |
| Average total loans | $307,187,500 | 1,571 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 2,401 |
| Cost of funding earning assets | 0.6321% | 2,034 |
| Net interest margin | 3.7716% | 2,665 |
| Noninterest income to average assets | 0.4953% | 2,887 |
| Noninterest expense to average assets | 2.2609% | 4,234 |
| Loan and lease loss provision to assets | 0.1240% | 1,599 |
| Net operating income to assets | 1.1970% | 2,210 |
| Return on assets (ROA) | 1.1970% | 2,208 |
| Pretax return on assets | 1.6061% | 1,484 |
| Return on Equity (ROE) | 14.2521% | 1,025 |
| Retained earnings to average equity (ytd only) | 12.1666% | 496 |
| Net charge-offs to loans | 0.0524% | 1,852 |
| Credit loss provision to net charge-offs | 287.5000% | 1,033 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 1,297 |
| Efficiency ratio | 56.6509% | 4,395 |
| Assets per employee ($millions) | 5.7699% | 1,663 |
| Cash dividends to net income (ytd only)* | 14.6330% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,391 |
| Loan loss allowance to noncurrent loans | 222.6000% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 3,167 |
| Noncurrent loans to loans | 0.4846% | 2,983 |
| Net loans and leases to total assets | 80.4007% | 957 |
| Net loans and leases to deposits | 91.6846% | 1,627 |
| Net loans and leases to core deposits | 100.0235% | 1,738 |
| Total domestic deposits to total assets | 87.6927% | 1,545 |
| Equity capital to assets | 8.4285% | 4,997 |
| Core capital (leverage) ratio | 8.7530% | 4,926 |
| Tier 1 risk-based capital ratio | 11.3468% | 4,872 |
| Total risk-based capital ratio | 12.5652% | 4,784 |
| Memoranda: | ||
| Average total assets | $371,087,330 | 1,842 |
| Average earning assets | $343,940,000 | 1,848 |
| Average equity | $31,167,330 | 2,278 |
| Average total loans | $305,209,000 | 1,575 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,340 |
| Cost of funding earning assets | 0.5847% | 2,140 |
| Net interest margin | 3.7692% | 2,549 |
| Noninterest income to average assets | 0.4893% | 2,872 |
| Noninterest expense to average assets | 2.3024% | 4,189 |
| Loan and lease loss provision to assets | 0.0874% | 2,053 |
| Net operating income to assets | 1.1840% | 2,081 |
| Return on assets (ROA) | 1.1840% | 2,089 |
| Pretax return on assets | 1.5848% | 1,435 |
| Return on Equity (ROE) | 14.1226% | 984 |
| Retained earnings to average equity (ytd only) | 9.8884% | 1,196 |
| Net charge-offs to loans | -0.0673% | 5,095 |
| Credit loss provision to net charge-offs | -156.8627% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9280% | 4,350 |
| Assets per employee ($millions) | 5.8811% | 1,620 |
| Cash dividends to net income (ytd only)* | 29.9815% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,539 |
| Loan loss allowance to noncurrent loans | 173.0970% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,821 |
| Noncurrent loans to loans | 0.6194% | 2,682 |
| Net loans and leases to total assets | 81.3846% | 740 |
| Net loans and leases to deposits | 94.4655% | 1,189 |
| Net loans and leases to core deposits | 103.0516% | 1,448 |
| Total domestic deposits to total assets | 86.1528% | 2,477 |
| Equity capital to assets | 8.2233% | 5,165 |
| Core capital (leverage) ratio | 8.7074% | 4,982 |
| Tier 1 risk-based capital ratio | 10.8364% | 5,229 |
| Total risk-based capital ratio | 12.0356% | 5,147 |
| Memoranda: | ||
| Average total assets | $366,224,000 | 1,872 |
| Average earning assets | $338,639,500 | 1,879 |
| Average equity | $30,702,500 | 2,321 |
| Average total loans | $303,055,500 | 1,588 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 2,706 |
| Cost of funding earning assets | 0.5160% | 2,202 |
| Net interest margin | 3.6781% | 2,886 |
| Noninterest income to average assets | 0.5205% | 2,875 |
| Noninterest expense to average assets | 2.2875% | 4,368 |
| Loan and lease loss provision to assets | 0.0382% | 3,502 |
| Net operating income to assets | 1.1608% | 1,644 |
| Return on assets (ROA) | 1.1682% | 1,651 |
| Pretax return on assets | 1.6413% | 1,188 |
| Return on Equity (ROE) | 13.5455% | 843 |
| Retained earnings to average equity (ytd only) | 9.0465% | 499 |
| Net charge-offs to loans | -0.0039% | 4,600 |
| Credit loss provision to net charge-offs | -1,163.6364% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8153% | 4,546 |
| Assets per employee ($millions) | 5.7428% | 1,722 |
| Cash dividends to net income (ytd only)* | 33.2141% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,473 |
| Loan loss allowance to noncurrent loans | 146.7556% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 2,506 |
| Noncurrent loans to loans | 0.7330% | 2,381 |
| Net loans and leases to total assets | 82.3682% | 630 |
| Net loans and leases to deposits | 92.8359% | 1,403 |
| Net loans and leases to core deposits | 99.0684% | 1,784 |
| Total domestic deposits to total assets | 88.7245% | 1,133 |
| Equity capital to assets | 8.5529% | 5,085 |
| Core capital (leverage) ratio | 8.5945% | 5,047 |
| Tier 1 risk-based capital ratio | 10.9484% | 5,176 |
| Total risk-based capital ratio | 12.1444% | 5,091 |
| Memoranda: | ||
| Average total assets | $335,034,800 | 1,982 |
| Average earning assets | $312,989,600 | 1,969 |
| Average equity | $28,895,200 | 2,439 |
| Average total loans | $279,711,600 | 1,659 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,778 |
| Cost of funding earning assets | 0.5030% | 2,240 |
| Net interest margin | 3.6508% | 2,946 |
| Noninterest income to average assets | 0.5268% | 2,856 |
| Noninterest expense to average assets | 2.3118% | 4,268 |
| Loan and lease loss provision to assets | 0.0336% | 3,450 |
| Net operating income to assets | 1.1138% | 2,028 |
| Return on assets (ROA) | 1.1235% | 2,042 |
| Pretax return on assets | 1.6261% | 1,325 |
| Return on Equity (ROE) | 12.9982% | 1,057 |
| Retained earnings to average equity (ytd only) | 8.4378% | 1,039 |
| Net charge-offs to loans | -0.0029% | 4,361 |
| Credit loss provision to net charge-offs | -1,383.3333% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4185% | 4,449 |
| Assets per employee ($millions) | 5.6721% | 1,752 |
| Cash dividends to net income (ytd only)* | 35.0846% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,453 |
| Loan loss allowance to noncurrent loans | 158.2955% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 2,806 |
| Noncurrent loans to loans | 0.6984% | 2,609 |
| Net loans and leases to total assets | 81.1574% | 814 |
| Net loans and leases to deposits | 89.2047% | 1,905 |
| Net loans and leases to core deposits | 95.7852% | 2,100 |
| Total domestic deposits to total assets | 90.9788% | 191 |
| Equity capital to assets | 8.5610% | 5,249 |
| Core capital (leverage) ratio | 8.5207% | 5,232 |
| Tier 1 risk-based capital ratio | 11.1444% | 5,164 |
| Total risk-based capital ratio | 12.3766% | 5,066 |
| Memoranda: | ||
| Average total assets | $329,779,750 | 2,024 |
| Average earning assets | $309,875,000 | 2,003 |
| Average equity | $28,505,750 | 2,479 |
| Average total loans | $275,523,250 | 1,690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 2,867 |
| Cost of funding earning assets | 0.4832% | 2,302 |
| Net interest margin | 3.6044% | 3,018 |
| Noninterest income to average assets | 0.5074% | 2,971 |
| Noninterest expense to average assets | 2.3442% | 4,232 |
| Loan and lease loss provision to assets | 0.0512% | 2,960 |
| Net operating income to assets | 1.0370% | 2,266 |
| Return on assets (ROA) | 1.0519% | 2,239 |
| Pretax return on assets | 1.5186% | 1,571 |
| Return on Equity (ROE) | 12.1277% | 1,262 |
| Retained earnings to average equity (ytd only) | 7.5069% | 1,348 |
| Net charge-offs to loans | -0.0029% | 4,228 |
| Credit loss provision to net charge-offs | -2,075.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2249% | 4,286 |
| Assets per employee ($millions) | 5.3986% | 1,967 |
| Cash dividends to net income (ytd only)* | 38.1008% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,485 |
| Loan loss allowance to noncurrent loans | 147.2079% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,687 |
| Noncurrent loans to loans | 0.7585% | 2,497 |
| Net loans and leases to total assets | 81.6815% | 711 |
| Net loans and leases to deposits | 90.4932% | 1,666 |
| Net loans and leases to core deposits | 97.4190% | 1,856 |
| Total domestic deposits to total assets | 90.2625% | 442 |
| Equity capital to assets | 8.4914% | 5,309 |
| Core capital (leverage) ratio | 8.7258% | 5,027 |
| Tier 1 risk-based capital ratio | 10.9110% | 5,300 |
| Total risk-based capital ratio | 12.1484% | 5,217 |
| Memoranda: | ||
| Average total assets | $324,373,670 | 2,057 |
| Average earning assets | $304,624,670 | 2,029 |
| Average equity | $28,134,000 | 2,497 |
| Average total loans | $272,717,000 | 1,701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 2,899 |
| Cost of funding earning assets | 0.4587% | 2,444 |
| Net interest margin | 3.5825% | 2,953 |
| Noninterest income to average assets | 0.4954% | 3,011 |
| Noninterest expense to average assets | 2.3557% | 4,245 |
| Loan and lease loss provision to assets | 0.0569% | 2,671 |
| Net operating income to assets | 1.0033% | 2,290 |
| Return on assets (ROA) | 1.0338% | 2,201 |
| Pretax return on assets | 1.4925% | 1,555 |
| Return on Equity (ROE) | 11.7863% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.4637% | 1,668 |
| Net charge-offs to loans | -0.0045% | 4,150 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0147% | 4,320 |
| Assets per employee ($millions) | 5.8470% | 1,611 |
| Cash dividends to net income (ytd only)* | 36.6748% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,479 |
| Loan loss allowance to noncurrent loans | 132.3366% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 2,446 |
| Noncurrent loans to loans | 0.8591% | 2,312 |
| Net loans and leases to total assets | 85.3208% | 261 |
| Net loans and leases to deposits | 94.4867% | 1,067 |
| Net loans and leases to core deposits | 101.2390% | 1,426 |
| Total domestic deposits to total assets | 90.2993% | 540 |
| Equity capital to assets | 8.8966% | 4,912 |
| Core capital (leverage) ratio | 9.1920% | 4,488 |
| Tier 1 risk-based capital ratio | 11.2898% | 5,145 |
| Total risk-based capital ratio | 12.5396% | 5,054 |
| Memoranda: | ||
| Average total assets | $316,506,000 | 2,115 |
| Average earning assets | $297,331,500 | 2,085 |
| Average equity | $27,761,000 | 2,531 |
| Average total loans | $268,604,000 | 1,734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 2,942 |
| Cost of funding earning assets | 0.4114% | 2,894 |
| Net interest margin | 3.6619% | 2,855 |
| Noninterest income to average assets | 0.6558% | 2,392 |
| Noninterest expense to average assets | 2.5090% | 3,978 |
| Loan and lease loss provision to assets | 0.0630% | 3,119 |
| Net operating income to assets | 1.0378% | 2,200 |
| Return on assets (ROA) | 1.1226% | 1,894 |
| Pretax return on assets | 1.6456% | 1,155 |
| Return on Equity (ROE) | 12.3206% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.6495% | 980 |
| Net charge-offs to loans | -0.0297% | 5,245 |
| Credit loss provision to net charge-offs | -253.4247% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3011% | 4,373 |
| Assets per employee ($millions) | 5.5662% | 1,813 |
| Cash dividends to net income (ytd only)* | 37.9133% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,417 |
| Loan loss allowance to noncurrent loans | 152.4238% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 2,828 |
| Noncurrent loans to loans | 0.7559% | 2,644 |
| Net loans and leases to total assets | 82.4743% | 542 |
| Net loans and leases to deposits | 99.1024% | 735 |
| Net loans and leases to core deposits | 106.5949% | 1,093 |
| Total domestic deposits to total assets | 83.2213% | 3,691 |
| Equity capital to assets | 8.6462% | 5,149 |
| Core capital (leverage) ratio | 9.4634% | 4,132 |
| Tier 1 risk-based capital ratio | 11.4703% | 5,074 |
| Total risk-based capital ratio | 12.7208% | 4,978 |
| Memoranda: | ||
| Average total assets | $293,700,600 | 2,203 |
| Average earning assets | $275,674,600 | 2,174 |
| Average equity | $26,760,000 | 2,588 |
| Average total loans | $245,749,000 | 1,819 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 2,856 |
| Cost of funding earning assets | 0.4240% | 2,792 |
| Net interest margin | 3.6809% | 2,789 |
| Noninterest income to average assets | 0.6750% | 2,290 |
| Noninterest expense to average assets | 2.5660% | 3,778 |
| Loan and lease loss provision to assets | 0.0533% | 3,190 |
| Net operating income to assets | 1.0305% | 2,290 |
| Return on assets (ROA) | 1.1470% | 1,924 |
| Pretax return on assets | 1.6821% | 1,168 |
| Return on Equity (ROE) | 12.4144% | 1,195 |
| Retained earnings to average equity (ytd only) | 7.9019% | 1,217 |
| Net charge-offs to loans | -0.0271% | 5,118 |
| Credit loss provision to net charge-offs | -234.6939% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1312% | 4,206 |
| Assets per employee ($millions) | 5.2873% | 2,060 |
| Cash dividends to net income (ytd only)* | 36.3490% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 3,390 |
| Loan loss allowance to noncurrent loans | 138.1954% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 2,756 |
| Noncurrent loans to loans | 0.8512% | 2,551 |
| Net loans and leases to total assets | 83.8699% | 417 |
| Net loans and leases to deposits | 98.1014% | 843 |
| Net loans and leases to core deposits | 103.8317% | 1,356 |
| Total domestic deposits to total assets | 85.4931% | 2,607 |
| Equity capital to assets | 9.2517% | 4,917 |
| Core capital (leverage) ratio | 9.5193% | 4,149 |
| Tier 1 risk-based capital ratio | 11.9411% | 4,825 |
| Total risk-based capital ratio | 13.1920% | 4,717 |
| Memoranda: | ||
| Average total assets | $287,807,750 | 2,237 |
| Average earning assets | $270,147,500 | 2,216 |
| Average equity | $26,592,000 | 2,613 |
| Average total loans | $241,006,750 | 1,843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,913 |
| Cost of funding earning assets | 0.4366% | 2,686 |
| Net interest margin | 3.6510% | 2,893 |
| Noninterest income to average assets | 0.6181% | 2,516 |
| Noninterest expense to average assets | 2.6101% | 3,689 |
| Loan and lease loss provision to assets | 0.0210% | 3,717 |
| Net operating income to assets | 0.9715% | 2,515 |
| Return on assets (ROA) | 0.9802% | 2,615 |
| Pretax return on assets | 1.4264% | 1,923 |
| Return on Equity (ROE) | 10.6135% | 1,798 |
| Retained earnings to average equity (ytd only) | 6.4349% | 1,902 |
| Net charge-offs to loans | -0.0328% | 5,168 |
| Credit loss provision to net charge-offs | -76.9231% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5273% | 3,930 |
| Assets per employee ($millions) | 5.0356% | 2,263 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,493 |
| Loan loss allowance to noncurrent loans | 166.0476% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 3,252 |
| Noncurrent loans to loans | 0.7077% | 2,956 |
| Net loans and leases to total assets | 82.3764% | 586 |
| Net loans and leases to deposits | 95.4965% | 1,133 |
| Net loans and leases to core deposits | 101.1941% | 1,541 |
| Total domestic deposits to total assets | 86.2612% | 2,291 |
| Equity capital to assets | 9.2011% | 5,066 |
| Core capital (leverage) ratio | 9.4432% | 4,276 |
| Tier 1 risk-based capital ratio | 10.7781% | 5,535 |
| Total risk-based capital ratio | 11.9682% | 5,492 |
| Memoranda: | ||
| Average total assets | $285,048,000 | 2,264 |
| Average earning assets | $267,544,000 | 2,247 |
| Average equity | $26,325,000 | 2,639 |
| Average total loans | $237,581,000 | 1,871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 2,809 |
| Cost of funding earning assets | 0.4500% | 2,588 |
| Net interest margin | 3.6619% | 2,841 |
| Noninterest income to average assets | 0.6379% | 2,328 |
| Noninterest expense to average assets | 2.6866% | 3,469 |
| Loan and lease loss provision to assets | 0.0099% | 3,563 |
| Net operating income to assets | 0.9476% | 2,519 |
| Return on assets (ROA) | 0.9476% | 2,636 |
| Pretax return on assets | 1.3753% | 1,982 |
| Return on Equity (ROE) | 10.2414% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.4028% | 2,184 |
| Net charge-offs to loans | -0.0119% | 4,604 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9805% | 3,807 |
| Assets per employee ($millions) | 5.3889% | 1,934 |
| Cash dividends to net income (ytd only)* | 37.4813% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,538 |
| Loan loss allowance to noncurrent loans | 162.4783% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 3,249 |
| Noncurrent loans to loans | 0.7325% | 3,003 |
| Net loans and leases to total assets | 81.5647% | 619 |
| Net loans and leases to deposits | 95.9389% | 949 |
| Net loans and leases to core deposits | 100.4298% | 1,448 |
| Total domestic deposits to total assets | 85.0173% | 3,129 |
| Equity capital to assets | 9.2143% | 4,976 |
| Core capital (leverage) ratio | 9.4311% | 4,306 |
| Tier 1 risk-based capital ratio | 10.9083% | 5,547 |
| Total risk-based capital ratio | 12.1080% | 5,482 |
| Memoranda: | ||
| Average total assets | $281,540,500 | 2,299 |
| Average earning assets | $264,019,000 | 2,276 |
| Average equity | $26,051,000 | 2,655 |
| Average total loans | $234,645,500 | 1,884 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 2,864 |
| Cost of funding earning assets | 0.5221% | 1,979 |
| Net interest margin | 3.5914% | 3,174 |
| Noninterest income to average assets | 0.6461% | 2,481 |
| Noninterest expense to average assets | 2.2923% | 4,813 |
| Loan and lease loss provision to assets | 0.0386% | 3,565 |
| Net operating income to assets | 1.1524% | 1,722 |
| Return on assets (ROA) | 1.1524% | 1,795 |
| Pretax return on assets | 1.6918% | 1,016 |
| Return on Equity (ROE) | 12.6655% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.3547% | 811 |
| Net charge-offs to loans | 0.0300% | 3,619 |
| Credit loss provision to net charge-offs | 156.7164% | 1,706 |
| Earnings coverage of net charge-offs (x) | 70.1940% | 771 |
| Efficiency ratio | 56.9834% | 5,255 |
| Assets per employee ($millions) | 4.8679% | 2,505 |
| Cash dividends to net income (ytd only)* | 34.0358% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,513 |
| Loan loss allowance to noncurrent loans | 179.4344% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 3,410 |
| Noncurrent loans to loans | 0.6663% | 3,197 |
| Net loans and leases to total assets | 83.1568% | 471 |
| Net loans and leases to deposits | 96.3902% | 973 |
| Net loans and leases to core deposits | 100.7049% | 1,461 |
| Total domestic deposits to total assets | 86.2710% | 2,505 |
| Equity capital to assets | 9.2929% | 4,801 |
| Core capital (leverage) ratio | 9.3108% | 4,456 |
| Tier 1 risk-based capital ratio | 10.8412% | 5,606 |
| Total risk-based capital ratio | 12.0479% | 5,537 |
| Memoranda: | ||
| Average total assets | $271,781,200 | 2,327 |
| Average earning assets | $255,524,400 | 2,299 |
| Average equity | $24,728,600 | 2,720 |
| Average total loans | $223,061,600 | 1,904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,016 |
| Cost of funding earning assets | 0.5395% | 1,889 |
| Net interest margin | 3.5419% | 3,375 |
| Noninterest income to average assets | 0.6451% | 2,504 |
| Noninterest expense to average assets | 2.2690% | 4,862 |
| Loan and lease loss provision to assets | 0.0316% | 3,607 |
| Net operating income to assets | 1.1407% | 1,862 |
| Return on assets (ROA) | 1.1407% | 1,926 |
| Pretax return on assets | 1.6762% | 1,173 |
| Return on Equity (ROE) | 12.6057% | 1,221 |
| Retained earnings to average equity (ytd only) | 8.5727% | 1,038 |
| Net charge-offs to loans | 0.0339% | 3,235 |
| Credit loss provision to net charge-offs | 114.2857% | 2,063 |
| Earnings coverage of net charge-offs (x) | 61.8433% | 898 |
| Efficiency ratio | 57.0561% | 5,221 |
| Assets per employee ($millions) | 5.0086% | 2,287 |
| Cash dividends to net income (ytd only)* | 31.9930% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 3,527 |
| Loan loss allowance to noncurrent loans | 167.6988% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 3,445 |
| Noncurrent loans to loans | 0.7294% | 3,147 |
| Net loans and leases to total assets | 82.4629% | 530 |
| Net loans and leases to deposits | 92.4601% | 1,360 |
| Net loans and leases to core deposits | 95.5256% | 1,930 |
| Total domestic deposits to total assets | 89.1876% | 924 |
| Equity capital to assets | 9.3505% | 4,940 |
| Core capital (leverage) ratio | 9.1934% | 4,737 |
| Tier 1 risk-based capital ratio | 11.0711% | 5,622 |
| Total risk-based capital ratio | 12.3131% | 5,522 |
| Memoranda: | ||
| Average total assets | $270,358,750 | 2,350 |
| Average earning assets | $254,320,500 | 2,322 |
| Average equity | $24,464,500 | 2,760 |
| Average total loans | $220,445,000 | 1,925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,160 |
| Cost of funding earning assets | 0.5500% | 1,812 |
| Net interest margin | 3.4794% | 3,584 |
| Noninterest income to average assets | 0.6459% | 2,494 |
| Noninterest expense to average assets | 2.2810% | 4,887 |
| Loan and lease loss provision to assets | 0.0089% | 3,934 |
| Net operating income to assets | 1.1113% | 1,903 |
| Return on assets (ROA) | 1.1113% | 1,990 |
| Pretax return on assets | 1.6321% | 1,249 |
| Return on Equity (ROE) | 12.4187% | 1,253 |
| Retained earnings to average equity (ytd only) | 8.2350% | 1,174 |
| Net charge-offs to loans | 0.0183% | 3,330 |
| Credit loss provision to net charge-offs | 60.0000% | 2,591 |
| Earnings coverage of net charge-offs (x) | 110.9000% | 564 |
| Efficiency ratio | 58.1588% | 5,203 |
| Assets per employee ($millions) | 5.0483% | 2,215 |
| Cash dividends to net income (ytd only)* | 33.6884% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,523 |
| Loan loss allowance to noncurrent loans | 161.6414% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 3,530 |
| Noncurrent loans to loans | 0.7717% | 3,183 |
| Net loans and leases to total assets | 80.6475% | 719 |
| Net loans and leases to deposits | 90.0501% | 1,593 |
| Net loans and leases to core deposits | 93.4387% | 2,012 |
| Total domestic deposits to total assets | 89.5586% | 870 |
| Equity capital to assets | 9.0358% | 5,204 |
| Core capital (leverage) ratio | 9.1112% | 4,808 |
| Tier 1 risk-based capital ratio | 10.9681% | 5,724 |
| Total risk-based capital ratio | 12.2179% | 5,642 |
| Memoranda: | ||
| Average total assets | $270,322,670 | 2,365 |
| Average earning assets | $254,526,330 | 2,336 |
| Average equity | $24,189,330 | 2,791 |
| Average total loans | $218,661,000 | 1,949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,152 |
| Cost of funding earning assets | 0.5597% | 1,758 |
| Net interest margin | 3.4620% | 3,572 |
| Noninterest income to average assets | 0.5929% | 2,683 |
| Noninterest expense to average assets | 2.2944% | 4,899 |
| Loan and lease loss provision to assets | 0.0178% | 3,491 |
| Net operating income to assets | 1.0521% | 2,025 |
| Return on assets (ROA) | 1.0521% | 2,167 |
| Pretax return on assets | 1.5439% | 1,412 |
| Return on Equity (ROE) | 11.8158% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.8939% | 1,607 |
| Net charge-offs to loans | -0.0018% | 4,347 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4990% | 5,158 |
| Assets per employee ($millions) | 5.1918% | 2,121 |
| Cash dividends to net income (ytd only)* | 33.1921% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 3,573 |
| Loan loss allowance to noncurrent loans | 136.3054% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 3,237 |
| Noncurrent loans to loans | 0.9327% | 2,912 |
| Net loans and leases to total assets | 79.5931% | 731 |
| Net loans and leases to deposits | 89.4316% | 1,447 |
| Net loans and leases to core deposits | 93.2246% | 1,833 |
| Total domestic deposits to total assets | 88.9989% | 1,272 |
| Equity capital to assets | 8.9746% | 5,325 |
| Core capital (leverage) ratio | 8.9583% | 5,001 |
| Tier 1 risk-based capital ratio | 11.0937% | 5,761 |
| Total risk-based capital ratio | 12.3443% | 5,678 |
| Memoranda: | ||
| Average total assets | $269,181,000 | 2,394 |
| Average earning assets | $253,729,500 | 2,360 |
| Average equity | $23,968,000 | 2,831 |
| Average total loans | $216,678,000 | 1,965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,719 |
| Cost of funding earning assets | 0.6531% | 1,386 |
| Net interest margin | 3.6123% | 3,369 |
| Noninterest income to average assets | 0.5683% | 3,064 |
| Noninterest expense to average assets | 2.3598% | 4,945 |
| Loan and lease loss provision to assets | 0.0438% | 3,693 |
| Net operating income to assets | 1.0760% | 2,069 |
| Return on assets (ROA) | 1.0805% | 2,107 |
| Pretax return on assets | 1.5891% | 1,269 |
| Return on Equity (ROE) | 12.0914% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.9546% | 2,628 |
| Net charge-offs to loans | -0.0019% | 5,373 |
| Credit loss provision to net charge-offs | -2,825.0000% | 6,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2005% | 5,320 |
| Assets per employee ($millions) | 4.8798% | 2,486 |
| Cash dividends to net income (ytd only)* | 59.0240% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,477 |
| Loan loss allowance to noncurrent loans | 142.2370% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 3,386 |
| Noncurrent loans to loans | 0.9077% | 3,047 |
| Net loans and leases to total assets | 79.3342% | 833 |
| Net loans and leases to deposits | 89.2831% | 1,584 |
| Net loans and leases to core deposits | 92.6542% | 2,026 |
| Total domestic deposits to total assets | 88.8569% | 1,318 |
| Equity capital to assets | 8.8330% | 5,448 |
| Core capital (leverage) ratio | 8.8519% | 5,180 |
| Tier 1 risk-based capital ratio | 11.2965% | 5,773 |
| Total risk-based capital ratio | 12.5477% | 5,691 |
| Memoranda: | ||
| Average total assets | $257,947,800 | 2,453 |
| Average earning assets | $244,055,600 | 2,397 |
| Average equity | $23,049,400 | 2,843 |
| Average total loans | $213,245,200 | 1,951 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,682 |
| Cost of funding earning assets | 0.6694% | 1,321 |
| Net interest margin | 3.6190% | 3,352 |
| Noninterest income to average assets | 0.5551% | 3,168 |
| Noninterest expense to average assets | 2.3399% | 5,000 |
| Loan and lease loss provision to assets | 0.0554% | 3,263 |
| Net operating income to assets | 1.0796% | 2,115 |
| Return on assets (ROA) | 1.0856% | 2,161 |
| Pretax return on assets | 1.5958% | 1,336 |
| Return on Equity (ROE) | 12.1124% | 1,453 |
| Retained earnings to average equity (ytd only) | 3.9559% | 3,830 |
| Net charge-offs to loans | -0.0069% | 5,350 |
| Credit loss provision to net charge-offs | -963.6364% | 5,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7595% | 5,340 |
| Assets per employee ($millions) | 4.8434% | 2,454 |
| Cash dividends to net income (ytd only)* | 67.3401% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 3,765 |
| Loan loss allowance to noncurrent loans | 150.3780% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 3,693 |
| Noncurrent loans to loans | 0.8498% | 3,442 |
| Net loans and leases to total assets | 82.2644% | 487 |
| Net loans and leases to deposits | 93.1024% | 1,117 |
| Net loans and leases to core deposits | 96.6190% | 1,623 |
| Total domestic deposits to total assets | 88.3590% | 1,573 |
| Equity capital to assets | 8.8808% | 5,482 |
| Core capital (leverage) ratio | 9.0080% | 5,059 |
| Tier 1 risk-based capital ratio | 10.9830% | 5,999 |
| Total risk-based capital ratio | 12.2342% | 5,946 |
| Memoranda: | ||
| Average total assets | $255,337,250 | 2,496 |
| Average earning assets | $241,792,750 | 2,426 |
| Average equity | $22,885,000 | 2,870 |
| Average total loans | $212,629,000 | 1,969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,585 |
| Cost of funding earning assets | 0.6922% | 1,228 |
| Net interest margin | 3.6060% | 3,339 |
| Noninterest income to average assets | 0.5346% | 3,238 |
| Noninterest expense to average assets | 2.3232% | 5,099 |
| Loan and lease loss provision to assets | 0.0553% | 3,190 |
| Net operating income to assets | 1.0771% | 2,018 |
| Return on assets (ROA) | 1.0771% | 2,092 |
| Pretax return on assets | 1.5786% | 1,312 |
| Return on Equity (ROE) | 11.9802% | 1,426 |
| Retained earnings to average equity (ytd only) | 1.6600% | 5,070 |
| Net charge-offs to loans | -0.0066% | 5,230 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7108% | 5,468 |
| Assets per employee ($millions) | 4.4570% | 2,994 |
| Cash dividends to net income (ytd only)* | 86.1437% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 3,919 |
| Loan loss allowance to noncurrent loans | 168.0955% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 4,052 |
| Noncurrent loans to loans | 0.7661% | 3,792 |
| Net loans and leases to total assets | 82.8239% | 390 |
| Net loans and leases to deposits | 94.0138% | 957 |
| Net loans and leases to core deposits | 97.6544% | 1,466 |
| Total domestic deposits to total assets | 88.0977% | 1,849 |
| Equity capital to assets | 8.9573% | 5,345 |
| Core capital (leverage) ratio | 8.8965% | 5,162 |
| Tier 1 risk-based capital ratio | 11.1036% | 6,010 |
| Total risk-based capital ratio | 12.3552% | 5,944 |
| Memoranda: | ||
| Average total assets | $253,269,000 | 2,516 |
| Average earning assets | $240,377,670 | 2,438 |
| Average equity | $22,771,000 | 2,876 |
| Average total loans | $210,858,330 | 1,977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,581 |
| Cost of funding earning assets | 0.7248% | 1,102 |
| Net interest margin | 3.5588% | 3,442 |
| Noninterest income to average assets | 0.5188% | 3,273 |
| Noninterest expense to average assets | 2.3031% | 5,188 |
| Loan and lease loss provision to assets | 0.0791% | 2,567 |
| Net operating income to assets | 1.0551% | 1,987 |
| Return on assets (ROA) | 1.0551% | 2,057 |
| Pretax return on assets | 1.5154% | 1,386 |
| Return on Equity (ROE) | 11.7128% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.6397% | 1,367 |
| Net charge-offs to loans | 0.0057% | 3,540 |
| Credit loss provision to net charge-offs | 1,666.6667% | 200 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 143 |
| Efficiency ratio | 59.0909% | 5,527 |
| Assets per employee ($millions) | 4.6387% | 2,747 |
| Cash dividends to net income (ytd only)* | 26.2369% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,219 |
| Loan loss allowance to noncurrent loans | 190.6601% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,480 |
| Noncurrent loans to loans | 0.6720% | 4,179 |
| Net loans and leases to total assets | 81.9879% | 357 |
| Net loans and leases to deposits | 93.9812% | 796 |
| Net loans and leases to core deposits | 97.9064% | 1,244 |
| Total domestic deposits to total assets | 87.2386% | 2,672 |
| Equity capital to assets | 9.0237% | 5,094 |
| Core capital (leverage) ratio | 9.0905% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2585% | 6,036 |
| Total risk-based capital ratio | 12.5098% | 5,987 |
| Memoranda: | ||
| Average total assets | $252,878,000 | 2,528 |
| Average earning assets | $240,082,500 | 2,441 |
| Average equity | $22,778,500 | 2,864 |
| Average total loans | $209,707,500 | 1,978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,730 |
| Cost of funding earning assets | 0.7704% | 1,376 |
| Net interest margin | 3.5903% | 3,503 |
| Noninterest income to average assets | 0.5795% | 3,212 |
| Noninterest expense to average assets | 2.3938% | 5,085 |
| Loan and lease loss provision to assets | 0.1140% | 2,910 |
| Net operating income to assets | 0.9827% | 2,403 |
| Return on assets (ROA) | 0.9827% | 2,476 |
| Pretax return on assets | 1.4923% | 1,467 |
| Return on Equity (ROE) | 11.0284% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.2873% | 2,426 |
| Net charge-offs to loans | 0.0074% | 5,311 |
| Credit loss provision to net charge-offs | 1,880.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 264.8000% | 170 |
| Efficiency ratio | 59.8423% | 5,492 |
| Assets per employee ($millions) | 4.3970% | 3,096 |
| Cash dividends to net income (ytd only)* | 52.0576% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 4,210 |
| Loan loss allowance to noncurrent loans | 178.4615% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,449 |
| Noncurrent loans to loans | 0.7204% | 4,165 |
| Net loans and leases to total assets | 81.7379% | 434 |
| Net loans and leases to deposits | 93.6918% | 904 |
| Net loans and leases to core deposits | 97.6444% | 1,334 |
| Total domestic deposits to total assets | 87.2412% | 2,608 |
| Equity capital to assets | 8.9914% | 5,045 |
| Core capital (leverage) ratio | 8.9430% | 5,088 |
| Tier 1 risk-based capital ratio | 11.3017% | 6,022 |
| Total risk-based capital ratio | 12.5532% | 5,957 |
| Memoranda: | ||
| Average total assets | $247,266,400 | 2,555 |
| Average earning assets | $235,581,200 | 2,462 |
| Average equity | $22,034,000 | 2,925 |
| Average total loans | $203,575,200 | 1,974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 2,815 |
| Cost of funding earning assets | 0.7875% | 1,396 |
| Net interest margin | 3.5569% | 3,626 |
| Noninterest income to average assets | 0.5827% | 3,259 |
| Noninterest expense to average assets | 2.3812% | 5,077 |
| Loan and lease loss provision to assets | 0.1526% | 2,359 |
| Net operating income to assets | 0.9485% | 2,606 |
| Return on assets (ROA) | 0.9485% | 2,707 |
| Pretax return on assets | 1.4408% | 1,796 |
| Return on Equity (ROE) | 10.6682% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.8605% | 2,508 |
| Net charge-offs to loans | 0.0178% | 4,775 |
| Credit loss provision to net charge-offs | 1,044.4444% | 295 |
| Earnings coverage of net charge-offs (x) | 109.0714% | 466 |
| Efficiency ratio | 59.9102% | 5,448 |
| Assets per employee ($millions) | 4.4445% | 2,972 |
| Cash dividends to net income (ytd only)* | 45.0658% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 4,446 |
| Loan loss allowance to noncurrent loans | 114.7796% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 3,810 |
| Noncurrent loans to loans | 1.1236% | 3,559 |
| Net loans and leases to total assets | 81.6748% | 389 |
| Net loans and leases to deposits | 93.7743% | 841 |
| Net loans and leases to core deposits | 98.3026% | 1,220 |
| Total domestic deposits to total assets | 87.0972% | 2,637 |
| Equity capital to assets | 8.9902% | 5,204 |
| Core capital (leverage) ratio | 8.9886% | 5,143 |
| Tier 1 risk-based capital ratio | 11.3368% | 6,133 |
| Total risk-based capital ratio | 12.5928% | 6,100 |
| Memoranda: | ||
| Average total assets | $246,426,000 | 2,579 |
| Average earning assets | $234,992,250 | 2,484 |
| Average equity | $21,908,750 | 2,975 |
| Average total loans | $202,587,500 | 1,989 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,794 |
| Cost of funding earning assets | 0.8012% | 1,403 |
| Net interest margin | 3.5383% | 3,620 |
| Noninterest income to average assets | 0.5985% | 3,203 |
| Noninterest expense to average assets | 2.3200% | 5,298 |
| Loan and lease loss provision to assets | 0.2134% | 1,773 |
| Net operating income to assets | 0.9519% | 2,565 |
| Return on assets (ROA) | 0.9519% | 2,707 |
| Pretax return on assets | 1.4454% | 1,781 |
| Return on Equity (ROE) | 10.7479% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.5533% | 2,702 |
| Net charge-offs to loans | 0.0060% | 4,772 |
| Credit loss provision to net charge-offs | 4,366.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 339.5000% | 144 |
| Efficiency ratio | 58.3095% | 5,689 |
| Assets per employee ($millions) | 4.2536% | 3,245 |
| Cash dividends to net income (ytd only)* | 48.3319% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,543 |
| Loan loss allowance to noncurrent loans | 108.3163% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 3,774 |
| Noncurrent loans to loans | 1.1940% | 3,561 |
| Net loans and leases to total assets | 82.1958% | 343 |
| Net loans and leases to deposits | 94.9671% | 739 |
| Net loans and leases to core deposits | 100.0099% | 1,077 |
| Total domestic deposits to total assets | 86.5519% | 3,092 |
| Equity capital to assets | 8.9372% | 5,283 |
| Core capital (leverage) ratio | 8.9469% | 5,077 |
| Tier 1 risk-based capital ratio | 11.1663% | 6,258 |
| Total risk-based capital ratio | 12.4222% | 6,228 |
| Memoranda: | ||
| Average total assets | $245,604,000 | 2,593 |
| Average earning assets | $234,634,330 | 2,499 |
| Average equity | $21,753,000 | 3,014 |
| Average total loans | $201,470,670 | 1,998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,850 |
| Cost of funding earning assets | 0.8051% | 1,499 |
| Net interest margin | 3.5064% | 3,667 |
| Noninterest income to average assets | 0.5338% | 3,546 |
| Noninterest expense to average assets | 2.2640% | 5,521 |
| Loan and lease loss provision to assets | 0.2318% | 1,578 |
| Net operating income to assets | 0.9223% | 2,559 |
| Return on assets (ROA) | 0.9223% | 2,700 |
| Pretax return on assets | 1.4005% | 1,849 |
| Return on Equity (ROE) | 10.4605% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.4434% | 3,571 |
| Net charge-offs to loans | -0.1003% | 6,446 |
| Credit loss provision to net charge-offs | -284.0000% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1064% | 5,835 |
| Assets per employee ($millions) | 4.3537% | 3,239 |
| Cash dividends to net income (ytd only)* | 57.5221% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 4,739 |
| Loan loss allowance to noncurrent loans | 81.9015% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 3,367 |
| Noncurrent loans to loans | 1.5789% | 3,162 |
| Net loans and leases to total assets | 81.1806% | 338 |
| Net loans and leases to deposits | 93.5148% | 700 |
| Net loans and leases to core deposits | 98.3175% | 1,055 |
| Total domestic deposits to total assets | 86.8105% | 3,073 |
| Equity capital to assets | 8.9099% | 5,603 |
| Core capital (leverage) ratio | 8.8986% | 5,060 |
| Tier 1 risk-based capital ratio | 11.4192% | 6,229 |
| Total risk-based capital ratio | 12.6759% | 6,197 |
| Memoranda: | ||
| Average total assets | $245,050,500 | 2,632 |
| Average earning assets | $235,000,500 | 2,520 |
| Average equity | $21,605,000 | 3,072 |
| Average total loans | $199,484,500 | 2,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 2,744 |
| Cost of funding earning assets | 0.9993% | 1,366 |
| Net interest margin | 3.6636% | 3,808 |
| Noninterest income to average assets | 0.7014% | 2,714 |
| Noninterest expense to average assets | 2.3058% | 5,680 |
| Loan and lease loss provision to assets | 0.2167% | 2,965 |
| Net operating income to assets | 1.0867% | 1,984 |
| Return on assets (ROA) | 1.0867% | 2,172 |
| Pretax return on assets | 1.6504% | 1,262 |
| Return on Equity (ROE) | 12.7488% | 1,296 |
| Retained earnings to average equity (ytd only) | 8.7082% | 909 |
| Net charge-offs to loans | 0.1250% | 4,433 |
| Credit loss provision to net charge-offs | 210.1215% | 1,213 |
| Earnings coverage of net charge-offs (x) | 18.1053% | 1,462 |
| Efficiency ratio | 55.2576% | 6,142 |
| Assets per employee ($millions) | 4.3981% | 3,151 |
| Cash dividends to net income (ytd only)* | 31.6942% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,069 |
| Loan loss allowance to noncurrent loans | 78.4967% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 3,572 |
| Noncurrent loans to loans | 1.5419% | 3,300 |
| Net loans and leases to total assets | 79.6000% | 510 |
| Net loans and leases to deposits | 91.8379% | 924 |
| Net loans and leases to core deposits | 96.2605% | 1,282 |
| Total domestic deposits to total assets | 86.6745% | 3,007 |
| Equity capital to assets | 8.7241% | 5,827 |
| Core capital (leverage) ratio | 8.7611% | 5,245 |
| Tier 1 risk-based capital ratio | 11.4193% | 6,154 |
| Total risk-based capital ratio | 12.6698% | 6,125 |
| Memoranda: | ||
| Average total assets | $239,524,800 | 2,640 |
| Average earning assets | $226,962,800 | 2,539 |
| Average equity | $20,417,600 | 3,150 |
| Average total loans | $197,547,400 | 2,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,685 |
| Cost of funding earning assets | 1.0441% | 1,313 |
| Net interest margin | 3.6820% | 3,873 |
| Noninterest income to average assets | 0.6643% | 2,907 |
| Noninterest expense to average assets | 2.3327% | 5,593 |
| Loan and lease loss provision to assets | 0.2237% | 2,822 |
| Net operating income to assets | 1.0438% | 2,304 |
| Return on assets (ROA) | 1.0438% | 2,523 |
| Pretax return on assets | 1.5854% | 1,622 |
| Return on Equity (ROE) | 12.3204% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.3504% | 1,464 |
| Net charge-offs to loans | 0.1000% | 4,385 |
| Credit loss provision to net charge-offs | 269.5946% | 1,009 |
| Earnings coverage of net charge-offs (x) | 21.8039% | 1,383 |
| Efficiency ratio | 56.3211% | 6,015 |
| Assets per employee ($millions) | 4.5867% | 2,763 |
| Cash dividends to net income (ytd only)* | 32.2235% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 5,320 |
| Loan loss allowance to noncurrent loans | 77.5823% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 3,774 |
| Noncurrent loans to loans | 1.5362% | 3,484 |
| Net loans and leases to total assets | 81.2033% | 414 |
| Net loans and leases to deposits | 94.5720% | 749 |
| Net loans and leases to core deposits | 101.0287% | 1,053 |
| Total domestic deposits to total assets | 85.8640% | 3,325 |
| Equity capital to assets | 8.6303% | 6,157 |
| Core capital (leverage) ratio | 8.7291% | 5,432 |
| Tier 1 risk-based capital ratio | 11.7770% | 6,068 |
| Total risk-based capital ratio | 13.0919% | 6,015 |
| Memoranda: | ||
| Average total assets | $237,832,500 | 2,681 |
| Average earning assets | $224,621,500 | 2,592 |
| Average equity | $20,150,250 | 3,215 |
| Average total loans | $197,321,250 | 2,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 2,696 |
| Cost of funding earning assets | 1.0885% | 1,265 |
| Net interest margin | 3.6686% | 3,963 |
| Noninterest income to average assets | 0.6405% | 3,005 |
| Noninterest expense to average assets | 2.3831% | 5,512 |
| Loan and lease loss provision to assets | 0.2702% | 2,421 |
| Net operating income to assets | 0.9438% | 2,691 |
| Return on assets (ROA) | 0.9438% | 2,948 |
| Pretax return on assets | 1.4334% | 2,074 |
| Return on Equity (ROE) | 11.2108% | 1,913 |
| Retained earnings to average equity (ytd only) | 5.1727% | 3,172 |
| Net charge-offs to loans | 0.1466% | 3,742 |
| Credit loss provision to net charge-offs | 221.5278% | 1,284 |
| Earnings coverage of net charge-offs (x) | 13.9653% | 1,746 |
| Efficiency ratio | 58.3126% | 5,831 |
| Assets per employee ($millions) | 4.5263% | 2,852 |
| Cash dividends to net income (ytd only)* | 53.8600% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,557 |
| Loan loss allowance to noncurrent loans | 96.5228% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 4,346 |
| Noncurrent loans to loans | 1.1950% | 4,158 |
| Net loans and leases to total assets | 83.8900% | 219 |
| Net loans and leases to deposits | 97.7292% | 545 |
| Net loans and leases to core deposits | 103.3699% | 898 |
| Total domestic deposits to total assets | 85.8393% | 3,434 |
| Equity capital to assets | 8.5767% | 6,139 |
| Core capital (leverage) ratio | 8.4569% | 5,701 |
| Tier 1 risk-based capital ratio | 11.4546% | 6,244 |
| Total risk-based capital ratio | 12.7703% | 6,181 |
| Memoranda: | ||
| Average total assets | $236,078,000 | 2,702 |
| Average earning assets | $221,773,670 | 2,625 |
| Average equity | $19,873,670 | 3,240 |
| Average total loans | $196,500,670 | 2,058 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 2,572 |
| Cost of funding earning assets | 1.1164% | 1,313 |
| Net interest margin | 3.6982% | 3,842 |
| Noninterest income to average assets | 0.6040% | 3,207 |
| Noninterest expense to average assets | 2.5733% | 4,910 |
| Loan and lease loss provision to assets | 0.2538% | 2,422 |
| Net operating income to assets | 0.8019% | 3,367 |
| Return on assets (ROA) | 0.8019% | 3,603 |
| Pretax return on assets | 1.2181% | 2,843 |
| Return on Equity (ROE) | 9.6161% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.5299% | 4,465 |
| Net charge-offs to loans | 0.1334% | 3,307 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 13.3846% | 1,542 |
| Efficiency ratio | 63.6136% | 4,999 |
| Assets per employee ($millions) | 4.4945% | 3,007 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,816 |
| Loan loss allowance to noncurrent loans | 86.6536% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 4,345 |
| Noncurrent loans to loans | 1.3004% | 4,171 |
| Net loans and leases to total assets | 81.5518% | 301 |
| Net loans and leases to deposits | 95.5600% | 570 |
| Net loans and leases to core deposits | 101.1992% | 906 |
| Total domestic deposits to total assets | 85.3410% | 3,861 |
| Equity capital to assets | 8.3188% | 6,257 |
| Core capital (leverage) ratio | 8.4224% | 5,712 |
| Tier 1 risk-based capital ratio | 11.5812% | 6,233 |
| Total risk-based capital ratio | 12.8816% | 6,181 |
| Memoranda: | ||
| Average total assets | $236,432,500 | 2,708 |
| Average earning assets | $219,997,500 | 2,649 |
| Average equity | $19,717,000 | 3,262 |
| Average total loans | $194,873,500 | 2,079 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 1,651 |
| Cost of funding earning assets | 1.3047% | 1,460 |
| Net interest margin | 4.0128% | 2,824 |
| Noninterest income to average assets | 0.5496% | 3,512 |
| Noninterest expense to average assets | 2.7674% | 4,484 |
| Loan and lease loss provision to assets | 0.3276% | 3,063 |
| Net operating income to assets | 0.7620% | 3,207 |
| Return on assets (ROA) | 0.7620% | 3,372 |
| Pretax return on assets | 1.1583% | 2,619 |
| Return on Equity (ROE) | 8.7498% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.0223% | 3,328 |
| Net charge-offs to loans | 0.2295% | 4,347 |
| Credit loss provision to net charge-offs | 168.2243% | 1,603 |
| Earnings coverage of net charge-offs (x) | 7.6308% | 2,304 |
| Efficiency ratio | 65.0658% | 4,939 |
| Assets per employee ($millions) | 4.2665% | 3,328 |
| Cash dividends to net income (ytd only)* | 54.0299% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,394 |
| Loan loss allowance to noncurrent loans | 235.0384% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,137 |
| Noncurrent loans to loans | 0.4046% | 5,903 |
| Net loans and leases to total assets | 81.5795% | 366 |
| Net loans and leases to deposits | 95.5173% | 702 |
| Net loans and leases to core deposits | 101.5490% | 1,061 |
| Total domestic deposits to total assets | 85.4081% | 3,643 |
| Equity capital to assets | 8.3603% | 6,293 |
| Core capital (leverage) ratio | 8.3327% | 5,808 |
| Tier 1 risk-based capital ratio | 11.2104% | 6,344 |
| Total risk-based capital ratio | 12.2647% | 6,430 |
| Memoranda: | ||
| Average total assets | $219,809,600 | 2,838 |
| Average earning assets | $202,875,600 | 2,815 |
| Average equity | $19,143,200 | 3,258 |
| Average total loans | $186,454,800 | 2,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 1,761 |
| Cost of funding earning assets | 1.3407% | 1,498 |
| Net interest margin | 3.9882% | 2,962 |
| Noninterest income to average assets | 0.5195% | 3,728 |
| Noninterest expense to average assets | 2.8030% | 4,334 |
| Loan and lease loss provision to assets | 0.3437% | 2,820 |
| Net operating income to assets | 0.7071% | 3,577 |
| Return on assets (ROA) | 0.7071% | 3,744 |
| Pretax return on assets | 1.0748% | 3,116 |
| Return on Equity (ROE) | 8.0315% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.7915% | 4,035 |
| Net charge-offs to loans | 0.2887% | 3,648 |
| Credit loss provision to net charge-offs | 139.2500% | 2,292 |
| Earnings coverage of net charge-offs (x) | 5.7475% | 2,707 |
| Efficiency ratio | 66.3987% | 4,637 |
| Assets per employee ($millions) | 4.1705% | 3,500 |
| Cash dividends to net income (ytd only)* | 52.7926% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 6,608 |
| Loan loss allowance to noncurrent loans | 320.1128% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 6,470 |
| Noncurrent loans to loans | 0.2800% | 6,300 |
| Net loans and leases to total assets | 83.6031% | 248 |
| Net loans and leases to deposits | 98.4805% | 551 |
| Net loans and leases to core deposits | 105.4678% | 896 |
| Total domestic deposits to total assets | 84.8930% | 3,818 |
| Equity capital to assets | 8.6063% | 6,192 |
| Core capital (leverage) ratio | 8.5804% | 5,586 |
| Tier 1 risk-based capital ratio | 11.3558% | 6,326 |
| Total risk-based capital ratio | 12.3570% | 6,463 |
| Memoranda: | ||
| Average total assets | $216,097,750 | 2,890 |
| Average earning assets | $200,584,750 | 2,854 |
| Average equity | $19,024,500 | 3,282 |
| Average total loans | $184,751,000 | 2,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 1,763 |
| Cost of funding earning assets | 1.3751% | 1,527 |
| Net interest margin | 3.9608% | 3,034 |
| Noninterest income to average assets | 0.4787% | 4,039 |
| Noninterest expense to average assets | 2.8452% | 4,247 |
| Loan and lease loss provision to assets | 0.2948% | 3,043 |
| Net operating income to assets | 0.6740% | 3,673 |
| Return on assets (ROA) | 0.6740% | 3,792 |
| Pretax return on assets | 1.0241% | 3,143 |
| Return on Equity (ROE) | 7.5957% | 3,141 |
| Retained earnings to average equity (ytd only) | 3.8402% | 3,760 |
| Net charge-offs to loans | 0.2218% | 3,796 |
| Credit loss provision to net charge-offs | 154.6798% | 1,971 |
| Earnings coverage of net charge-offs (x) | 6.9212% | 2,311 |
| Efficiency ratio | 68.3273% | 4,458 |
| Assets per employee ($millions) | 3.7848% | 4,240 |
| Cash dividends to net income (ytd only)* | 49.4429% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 6,654 |
| Loan loss allowance to noncurrent loans | 534.5161% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 6,738 |
| Noncurrent loans to loans | 0.1686% | 6,557 |
| Net loans and leases to total assets | 82.9902% | 306 |
| Net loans and leases to deposits | 97.9052% | 596 |
| Net loans and leases to core deposits | 104.6981% | 1,007 |
| Total domestic deposits to total assets | 84.7659% | 3,987 |
| Equity capital to assets | 8.7336% | 5,895 |
| Core capital (leverage) ratio | 8.7197% | 5,193 |
| Tier 1 risk-based capital ratio | 11.4354% | 6,221 |
| Total risk-based capital ratio | 12.4255% | 6,393 |
| Memoranda: | ||
| Average total assets | $213,061,330 | 2,935 |
| Average earning assets | $198,240,670 | 2,896 |
| Average equity | $18,905,330 | 3,278 |
| Average total loans | $183,007,000 | 2,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 1,657 |
| Cost of funding earning assets | 1.3957% | 1,631 |
| Net interest margin | 3.9803% | 2,769 |
| Noninterest income to average assets | 0.4785% | 4,061 |
| Noninterest expense to average assets | 2.8251% | 4,352 |
| Loan and lease loss provision to assets | 0.2288% | 3,369 |
| Net operating income to assets | 0.7454% | 3,298 |
| Return on assets (ROA) | 0.7454% | 3,364 |
| Pretax return on assets | 1.1323% | 2,635 |
| Return on Equity (ROE) | 8.3316% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.6026% | 3,424 |
| Net charge-offs to loans | 0.1468% | 3,607 |
| Credit loss provision to net charge-offs | 179.1045% | 1,634 |
| Earnings coverage of net charge-offs (x) | 10.6567% | 1,619 |
| Efficiency ratio | 67.4863% | 4,757 |
| Assets per employee ($millions) | 3.8282% | 4,237 |
| Cash dividends to net income (ytd only)* | 44.7570% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,750 |
| Loan loss allowance to noncurrent loans | 430.9973% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,628 |
| Noncurrent loans to loans | 0.2038% | 6,565 |
| Net loans and leases to total assets | 85.6950% | 142 |
| Net loans and leases to deposits | 101.7160% | 389 |
| Net loans and leases to core deposits | 108.4628% | 820 |
| Total domestic deposits to total assets | 84.2493% | 4,388 |
| Equity capital to assets | 8.9632% | 5,258 |
| Core capital (leverage) ratio | 9.0116% | 4,595 |
| Tier 1 risk-based capital ratio | 11.4165% | 6,165 |
| Total risk-based capital ratio | 12.3778% | 6,388 |
| Memoranda: | ||
| Average total assets | $209,832,000 | 2,988 |
| Average earning assets | $195,461,000 | 2,939 |
| Average equity | $18,772,000 | 3,288 |
| Average total loans | $182,592,000 | 2,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 1,504 |
| Cost of funding earning assets | 1.7126% | 1,540 |
| Net interest margin | 4.0056% | 3,001 |
| Noninterest income to average assets | 0.6640% | 3,055 |
| Noninterest expense to average assets | 2.8211% | 4,520 |
| Loan and lease loss provision to assets | 0.4484% | 3,436 |
| Net operating income to assets | 0.7647% | 2,936 |
| Return on assets (ROA) | 0.7647% | 3,061 |
| Pretax return on assets | 1.1645% | 2,349 |
| Return on Equity (ROE) | 8.5040% | 2,500 |
| Retained earnings to average equity (ytd only) | 4.9866% | 2,414 |
| Net charge-offs to loans | 0.3736% | 4,169 |
| Credit loss provision to net charge-offs | 136.2687% | 2,825 |
| Earnings coverage of net charge-offs (x) | 4.9015% | 2,770 |
| Efficiency ratio | 63.6243% | 5,415 |
| Assets per employee ($millions) | 3.7342% | 4,394 |
| Cash dividends to net income (ytd only)* | 41.3616% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 6,868 |
| Loan loss allowance to noncurrent loans | 254.6952% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,525 |
| Noncurrent loans to loans | 0.3314% | 6,392 |
| Net loans and leases to total assets | 86.8465% | 139 |
| Net loans and leases to deposits | 103.3655% | 423 |
| Net loans and leases to core deposits | 110.2866% | 903 |
| Total domestic deposits to total assets | 84.0188% | 4,353 |
| Equity capital to assets | 8.9291% | 5,240 |
| Core capital (leverage) ratio | 8.9712% | 4,591 |
| Tier 1 risk-based capital ratio | 11.2596% | 6,123 |
| Total risk-based capital ratio | 12.1869% | 6,349 |
| Memoranda: | ||
| Average total assets | $203,607,200 | 3,058 |
| Average earning assets | $191,633,800 | 2,980 |
| Average equity | $18,309,000 | 3,378 |
| Average total loans | $179,353,400 | 2,365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7147% | 1,669 |
| Cost of funding earning assets | 1.7782% | 1,516 |
| Net interest margin | 3.9365% | 3,374 |
| Noninterest income to average assets | 0.6527% | 3,107 |
| Noninterest expense to average assets | 2.8225% | 4,390 |
| Loan and lease loss provision to assets | 0.3738% | 3,650 |
| Net operating income to assets | 0.7681% | 3,144 |
| Return on assets (ROA) | 0.7681% | 3,297 |
| Pretax return on assets | 1.1696% | 2,600 |
| Return on Equity (ROE) | 8.5260% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.0863% | 2,924 |
| Net charge-offs to loans | 0.2982% | 4,172 |
| Credit loss provision to net charge-offs | 142.1053% | 2,779 |
| Earnings coverage of net charge-offs (x) | 5.8671% | 2,659 |
| Efficiency ratio | 64.6481% | 5,118 |
| Assets per employee ($millions) | 3.8104% | 4,239 |
| Cash dividends to net income (ytd only)* | 40.3434% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 7,000 |
| Loan loss allowance to noncurrent loans | 174.0828% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,395 |
| Noncurrent loans to loans | 0.4606% | 6,267 |
| Net loans and leases to total assets | 88.4503% | 94 |
| Net loans and leases to deposits | 105.7224% | 375 |
| Net loans and leases to core deposits | 113.1547% | 880 |
| Total domestic deposits to total assets | 83.6628% | 4,287 |
| Equity capital to assets | 9.0298% | 5,538 |
| Core capital (leverage) ratio | 9.0197% | 4,666 |
| Tier 1 risk-based capital ratio | 10.7539% | 6,584 |
| Total risk-based capital ratio | 11.6064% | 6,857 |
| Memoranda: | ||
| Average total assets | $202,230,250 | 3,111 |
| Average earning assets | $190,755,500 | 3,029 |
| Average equity | $18,218,250 | 3,437 |
| Average total loans | $178,403,000 | 2,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 1,840 |
| Cost of funding earning assets | 1.7783% | 1,728 |
| Net interest margin | 3.9011% | 3,441 |
| Noninterest income to average assets | 0.5680% | 3,560 |
| Noninterest expense to average assets | 2.8013% | 4,473 |
| Loan and lease loss provision to assets | 0.3790% | 3,440 |
| Net operating income to assets | 0.7023% | 3,396 |
| Return on assets (ROA) | 0.7023% | 3,553 |
| Pretax return on assets | 1.0714% | 2,870 |
| Return on Equity (ROE) | 7.8021% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.3156% | 2,717 |
| Net charge-offs to loans | 0.3078% | 3,775 |
| Credit loss provision to net charge-offs | 140.0735% | 2,860 |
| Earnings coverage of net charge-offs (x) | 5.3603% | 2,684 |
| Efficiency ratio | 65.8868% | 5,001 |
| Assets per employee ($millions) | 3.9702% | 3,826 |
| Cash dividends to net income (ytd only)* | 31.8697% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 7,083 |
| Loan loss allowance to noncurrent loans | 80.1362% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 5,409 |
| Noncurrent loans to loans | 0.9704% | 5,368 |
| Net loans and leases to total assets | 87.2710% | 157 |
| Net loans and leases to deposits | 104.4409% | 467 |
| Net loans and leases to core deposits | 111.6211% | 1,055 |
| Total domestic deposits to total assets | 83.5602% | 4,308 |
| Equity capital to assets | 8.8985% | 5,603 |
| Core capital (leverage) ratio | 8.8864% | 4,778 |
| Tier 1 risk-based capital ratio | 11.1330% | 6,112 |
| Total risk-based capital ratio | 11.9900% | 6,478 |
| Memoranda: | ||
| Average total assets | $201,052,670 | 3,152 |
| Average earning assets | $189,843,670 | 3,064 |
| Average equity | $18,097,670 | 3,451 |
| Average total loans | $176,714,330 | 2,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 1,969 |
| Cost of funding earning assets | 1.8007% | 1,871 |
| Net interest margin | 3.8463% | 3,588 |
| Noninterest income to average assets | 0.4497% | 4,468 |
| Noninterest expense to average assets | 2.8575% | 4,240 |
| Loan and lease loss provision to assets | 0.2924% | 3,681 |
| Net operating income to assets | 0.6171% | 3,824 |
| Return on assets (ROA) | 0.6171% | 3,961 |
| Pretax return on assets | 0.9438% | 3,298 |
| Return on Equity (ROE) | 6.8148% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.8148% | 2,212 |
| Net charge-offs to loans | 0.2433% | 3,487 |
| Credit loss provision to net charge-offs | 136.7925% | 2,578 |
| Earnings coverage of net charge-offs (x) | 5.7830% | 2,336 |
| Efficiency ratio | 69.8030% | 4,347 |
| Assets per employee ($millions) | 3.7564% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 7,232 |
| Loan loss allowance to noncurrent loans | 77.7520% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 5,426 |
| Noncurrent loans to loans | 0.9709% | 5,394 |
| Net loans and leases to total assets | 88.6197% | 104 |
| Net loans and leases to deposits | 106.9453% | 390 |
| Net loans and leases to core deposits | 114.0831% | 1,040 |
| Total domestic deposits to total assets | 82.8645% | 4,692 |
| Equity capital to assets | 9.1225% | 5,103 |
| Core capital (leverage) ratio | 9.0930% | 4,387 |
| Tier 1 risk-based capital ratio | 11.2078% | 5,949 |
| Total risk-based capital ratio | 12.0389% | 6,334 |
| Memoranda: | ||
| Average total assets | $198,354,000 | 3,234 |
| Average earning assets | $187,923,000 | 3,146 |
| Average equity | $17,961,000 | 3,488 |
| Average total loans | $174,280,000 | 2,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7929% | 2,688 |
| Cost of funding earning assets | 2.2319% | 1,892 |
| Net interest margin | 3.5610% | 4,692 |
| Noninterest income to average assets | 0.4490% | 4,820 |
| Noninterest expense to average assets | 2.8607% | 4,692 |
| Loan and lease loss provision to assets | 0.2129% | 5,640 |
| Net operating income to assets | 0.4926% | 3,758 |
| Return on assets (ROA) | 0.5189% | 3,748 |
| Pretax return on assets | 0.7892% | 3,283 |
| Return on Equity (ROE) | 5.4940% | 3,429 |
| Retained earnings to average equity (ytd only) | -1.4639% | 5,386 |
| Net charge-offs to loans | 0.1792% | 5,522 |
| Credit loss provision to net charge-offs | 137.7551% | 3,569 |
| Earnings coverage of net charge-offs (x) | 6.2245% | 2,412 |
| Efficiency ratio | 74.8315% | 3,740 |
| Assets per employee ($millions) | 3.5931% | 4,796 |
| Cash dividends to net income (ytd only)* | 126.6464% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7629% | 7,223 |
| Loan loss allowance to noncurrent loans | 65.3788% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,917 |
| Noncurrent loans to loans | 1.1670% | 4,993 |
| Net loans and leases to total assets | 85.7624% | 296 |
| Net loans and leases to deposits | 102.7456% | 710 |
| Net loans and leases to core deposits | 127.3602% | 1,423 |
| Total domestic deposits to total assets | 83.4706% | 4,295 |
| Equity capital to assets | 8.9870% | 5,169 |
| Core capital (leverage) ratio | 8.9948% | 4,432 |
| Tier 1 risk-based capital ratio | 11.4495% | 5,456 |
| Total risk-based capital ratio | 12.2886% | 5,852 |
| Memoranda: | ||
| Average total assets | $190,199,200 | 3,283 |
| Average earning assets | $180,202,200 | 3,214 |
| Average equity | $17,965,200 | 3,507 |
| Average total loans | $164,018,200 | 2,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 2,622 |
| Cost of funding earning assets | 2.2826% | 2,057 |
| Net interest margin | 3.5789% | 4,559 |
| Noninterest income to average assets | 0.4630% | 4,795 |
| Noninterest expense to average assets | 2.8670% | 4,581 |
| Loan and lease loss provision to assets | 0.2258% | 5,161 |
| Net operating income to assets | 0.5004% | 3,982 |
| Return on assets (ROA) | 0.5359% | 3,929 |
| Pretax return on assets | 0.8148% | 3,491 |
| Return on Equity (ROE) | 5.6021% | 3,695 |
| Retained earnings to average equity (ytd only) | -3.6484% | 6,053 |
| Net charge-offs to loans | 0.2021% | 4,785 |
| Credit loss provision to net charge-offs | 129.6748% | 3,864 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,757 |
| Efficiency ratio | 74.3938% | 3,804 |
| Assets per employee ($millions) | 3.5613% | 4,784 |
| Cash dividends to net income (ytd only)* | 165.1257% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 7,195 |
| Loan loss allowance to noncurrent loans | 97.1168% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 5,740 |
| Noncurrent loans to loans | 0.7987% | 5,703 |
| Net loans and leases to total assets | 85.1470% | 425 |
| Net loans and leases to deposits | 102.6473% | 872 |
| Net loans and leases to core deposits | 127.0499% | 1,650 |
| Total domestic deposits to total assets | 82.9511% | 4,248 |
| Equity capital to assets | 9.1544% | 5,249 |
| Core capital (leverage) ratio | 9.1264% | 4,450 |
| Tier 1 risk-based capital ratio | 11.2564% | 5,683 |
| Total risk-based capital ratio | 12.0775% | 6,091 |
| Memoranda: | ||
| Average total assets | $188,344,500 | 3,328 |
| Average earning assets | $178,450,750 | 3,258 |
| Average equity | $18,016,500 | 3,539 |
| Average total loans | $162,326,500 | 2,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9203% | 2,495 |
| Cost of funding earning assets | 2.3266% | 2,252 |
| Net interest margin | 3.5938% | 4,388 |
| Noninterest income to average assets | 0.4385% | 4,948 |
| Noninterest expense to average assets | 2.7911% | 4,997 |
| Loan and lease loss provision to assets | 0.2556% | 4,531 |
| Net operating income to assets | 0.5228% | 4,012 |
| Return on assets (ROA) | 0.5764% | 3,891 |
| Pretax return on assets | 0.8758% | 3,420 |
| Return on Equity (ROE) | 5.9382% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.3576% | 4,026 |
| Net charge-offs to loans | 0.2044% | 4,249 |
| Credit loss provision to net charge-offs | 144.8485% | 3,198 |
| Earnings coverage of net charge-offs (x) | 5.9515% | 2,721 |
| Efficiency ratio | 72.6615% | 4,269 |
| Assets per employee ($millions) | 3.6343% | 4,488 |
| Cash dividends to net income (ytd only)* | 60.2968% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 7,197 |
| Loan loss allowance to noncurrent loans | 134.9842% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 6,004 |
| Noncurrent loans to loans | 0.5823% | 6,092 |
| Net loans and leases to total assets | 85.5617% | 431 |
| Net loans and leases to deposits | 104.5209% | 874 |
| Net loans and leases to core deposits | 128.9923% | 1,655 |
| Total domestic deposits to total assets | 81.8608% | 4,753 |
| Equity capital to assets | 9.6458% | 4,432 |
| Core capital (leverage) ratio | 9.6560% | 3,694 |
| Tier 1 risk-based capital ratio | 11.9453% | 4,963 |
| Total risk-based capital ratio | 12.7835% | 5,277 |
| Memoranda: | ||
| Average total assets | $187,022,330 | 3,376 |
| Average earning assets | $177,084,330 | 3,298 |
| Average equity | $18,153,670 | 3,529 |
| Average total loans | $161,426,330 | 2,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 2,587 |
| Cost of funding earning assets | 2.3569% | 2,484 |
| Net interest margin | 3.5876% | 4,370 |
| Noninterest income to average assets | 0.1462% | 7,245 |
| Noninterest expense to average assets | 2.7908% | 4,592 |
| Loan and lease loss provision to assets | 0.3591% | 3,165 |
| Net operating income to assets | 0.2577% | 5,454 |
| Return on assets (ROA) | 0.3655% | 5,174 |
| Pretax return on assets | 0.5569% | 4,892 |
| Return on Equity (ROE) | 3.7536% | 5,057 |
| Retained earnings to average equity (ytd only) | 0.4416% | 5,484 |
| Net charge-offs to loans | 0.2714% | 3,038 |
| Credit loss provision to net charge-offs | 153.2110% | 2,727 |
| Earnings coverage of net charge-offs (x) | 3.2110% | 3,246 |
| Efficiency ratio | 78.7621% | 3,038 |
| Assets per employee ($millions) | 3.7662% | 4,184 |
| Cash dividends to net income (ytd only)* | 88.2353% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 7,214 |
| Loan loss allowance to noncurrent loans | 119.9052% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 5,543 |
| Noncurrent loans to loans | 0.6536% | 5,774 |
| Net loans and leases to total assets | 85.0454% | 546 |
| Net loans and leases to deposits | 105.0040% | 942 |
| Net loans and leases to core deposits | 129.5924% | 1,689 |
| Total domestic deposits to total assets | 80.9925% | 4,976 |
| Equity capital to assets | 9.6246% | 4,489 |
| Core capital (leverage) ratio | 9.5967% | 3,873 |
| Tier 1 risk-based capital ratio | 12.1495% | 4,826 |
| Total risk-based capital ratio | 13.0003% | 5,095 |
| Memoranda: | ||
| Average total assets | $186,042,000 | 3,410 |
| Average earning assets | $176,164,500 | 3,338 |
| Average equity | $18,116,000 | 3,553 |
| Average total loans | $160,650,500 | 2,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6260% | 2,370 |
| Cost of funding earning assets | 2.6610% | 3,362 |
| Net interest margin | 3.9650% | 3,287 |
| Noninterest income to average assets | 0.4256% | 5,255 |
| Noninterest expense to average assets | 2.6959% | 5,284 |
| Loan and lease loss provision to assets | 0.4813% | 2,894 |
| Net operating income to assets | 0.6604% | 4,065 |
| Return on assets (ROA) | 0.6773% | 3,834 |
| Pretax return on assets | 1.0305% | 3,271 |
| Return on Equity (ROE) | 6.8851% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.3554% | 3,736 |
| Net charge-offs to loans | 0.4637% | 2,510 |
| Credit loss provision to net charge-offs | 117.3913% | 4,585 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 4,283 |
| Efficiency ratio | 64.4646% | 5,461 |
| Assets per employee ($millions) | 3.7505% | 4,061 |
| Cash dividends to net income (ytd only)* | 65.7895% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 7,263 |
| Loan loss allowance to noncurrent loans | 86.8970% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 4,953 |
| Noncurrent loans to loans | 0.8687% | 4,883 |
| Net loans and leases to total assets | 86.3452% | 565 |
| Net loans and leases to deposits | 108.2726% | 953 |
| Net loans and leases to core deposits | 132.4629% | 1,692 |
| Total domestic deposits to total assets | 79.7480% | 5,115 |
| Equity capital to assets | 9.8534% | 4,218 |
| Core capital (leverage) ratio | 9.8177% | 3,628 |
| Tier 1 risk-based capital ratio | 12.3622% | 4,540 |
| Total risk-based capital ratio | 13.1896% | 4,753 |
| Memoranda: | ||
| Average total assets | $179,530,400 | 3,410 |
| Average earning assets | $170,087,800 | 3,333 |
| Average equity | $17,661,400 | 3,614 |
| Average total loans | $158,716,000 | 2,788 |