Home > First Fidelity Bank > Performance and Condition Ratios
First Fidelity 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 | 5.0548% | 1,963 |
| Cost of funding earning assets | 1.2413% | 2,687 |
| Net interest margin | 3.8135% | 1,546 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.4495% | 2,450 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5036% | 1,010 |
| Return on assets (ROA) | 1.5111% | 969 |
| Pretax return on assets | 1.5785% | 1,276 |
| Return on Equity (ROE) | 24.3400% | 336 |
| Retained earnings to average equity (ytd only) | 9.6048% | 1,115 |
| Net charge-offs to loans | 0.0271% | 1,776 |
| Credit loss provision to net charge-offs | 951.3889% | 430 |
| Earnings coverage of net charge-offs (x) | 124.2222% | 805 |
| Efficiency ratio | 57.8125% | 3,315 |
| Assets per employee ($millions) | 5.8678% | 2,933 |
| Cash dividends to net income (ytd only)* | 60.5336% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 4,336 |
| Loan loss allowance to noncurrent loans | 781.1927% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,407 |
| Noncurrent loans to loans | 0.0637% | 3,256 |
| Net loans and leases to total assets | 53.7700% | 3,369 |
| Net loans and leases to deposits | 59.4851% | 3,555 |
| Net loans and leases to core deposits | 64.4504% | 3,568 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 7.2490% | 3,843 |
| Core capital (leverage) ratio | 8.9652% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1351% | 2,198 |
| Memoranda: | ||
| Average total assets | $525,831,600 | 1,672 |
| Average earning assets | $488,191,200 | 1,670 |
| Average equity | $32,650,200 | 2,160 |
| Average total loans | $265,714,000 | 1,934 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 2,172 |
| Cost of funding earning assets | 1.0874% | 2,780 |
| Net interest margin | 3.7581% | 1,674 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.3517% | 2,648 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5561% | 1,008 |
| Return on assets (ROA) | 1.5627% | 995 |
| Pretax return on assets | 1.6442% | 1,274 |
| Return on Equity (ROE) | 26.5800% | 325 |
| Retained earnings to average equity (ytd only) | 10.2152% | 1,340 |
| Net charge-offs to loans | 0.0184% | 1,764 |
| Credit loss provision to net charge-offs | 367.6471% | 764 |
| Earnings coverage of net charge-offs (x) | 183.8529% | 636 |
| Efficiency ratio | 58.4651% | 3,146 |
| Assets per employee ($millions) | 5.8630% | 2,878 |
| Cash dividends to net income (ytd only)* | 61.5700% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4569% | 4,376 |
| Loan loss allowance to noncurrent loans | 645.3552% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,427 |
| Noncurrent loans to loans | 0.0708% | 3,250 |
| Net loans and leases to total assets | 52.2400% | 3,481 |
| Net loans and leases to deposits | 55.7677% | 3,724 |
| Net loans and leases to core deposits | 63.7015% | 3,543 |
| Total domestic deposits to total assets | 93.6800% | 217 |
| Equity capital to assets | 5.5579% | 4,128 |
| Core capital (leverage) ratio | 9.9735% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1724% | 1,514 |
| Memoranda: | ||
| Average total assets | $498,857,750 | 1,731 |
| Average earning assets | $465,826,750 | 1,725 |
| Average equity | $29,328,000 | 2,281 |
| Average total loans | $246,528,750 | 2,020 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,235 |
| Cost of funding earning assets | 0.9143% | 2,885 |
| Net interest margin | 3.7735% | 1,673 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.3394% | 2,682 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5686% | 991 |
| Return on assets (ROA) | 1.5845% | 970 |
| Pretax return on assets | 1.6671% | 1,283 |
| Return on Equity (ROE) | 26.4800% | 309 |
| Retained earnings to average equity (ytd only) | 11.1341% | 1,164 |
| Net charge-offs to loans | 0.0198% | 1,497 |
| Credit loss provision to net charge-offs | 208.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 679 |
| Efficiency ratio | 58.3433% | 3,155 |
| Assets per employee ($millions) | 5.7363% | 2,939 |
| Cash dividends to net income (ytd only)* | 57.9491% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 4,416 |
| Loan loss allowance to noncurrent loans | 41.3793% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 977 |
| Noncurrent loans to loans | 1.0739% | 681 |
| Net loans and leases to total assets | 51.2800% | 3,468 |
| Net loans and leases to deposits | 54.9464% | 3,702 |
| Net loans and leases to core deposits | 58.3514% | 3,701 |
| Total domestic deposits to total assets | 93.3200% | 206 |
| Equity capital to assets | 6.1179% | 4,117 |
| Core capital (leverage) ratio | 9.7733% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3603% | 1,472 |
| Memoranda: | ||
| Average total assets | $500,979,667 | 1,725 |
| Average earning assets | $467,893,000 | 1,719 |
| Average equity | $29,980,000 | 2,265 |
| Average total loans | $242,549,333 | 2,038 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,183 |
| Cost of funding earning assets | 0.7180% | 2,995 |
| Net interest margin | 3.8355% | 1,611 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.2731% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6593% | 887 |
| Return on assets (ROA) | 1.6593% | 885 |
| Pretax return on assets | 1.7460% | 1,179 |
| Return on Equity (ROE) | 28.0300% | 288 |
| Retained earnings to average equity (ytd only) | 12.0579% | 1,257 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.5575% | 3,351 |
| Assets per employee ($millions) | 6.0865% | 2,689 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4645% | 4,463 |
| Loan loss allowance to noncurrent loans | 55.6122% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 1,316 |
| Noncurrent loans to loans | 0.8352% | 917 |
| Net loans and leases to total assets | 46.8000% | 3,725 |
| Net loans and leases to deposits | 50.0678% | 3,886 |
| Net loans and leases to core deposits | 52.5696% | 3,886 |
| Total domestic deposits to total assets | 93.4800% | 235 |
| Equity capital to assets | 6.1253% | 4,161 |
| Core capital (leverage) ratio | 9.4017% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6656% | 1,448 |
| Memoranda: | ||
| Average total assets | $507,678,000 | 1,727 |
| Average earning assets | $474,097,000 | 1,715 |
| Average equity | $30,055,000 | 2,291 |
| Average total loans | $238,256,000 | 2,078 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 2,365 |
| Cost of funding earning assets | 0.2206% | 3,592 |
| Net interest margin | 3.5430% | 1,805 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.9802% | 3,635 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.7382% | 501 |
| Return on assets (ROA) | 1.7394% | 475 |
| Pretax return on assets | 1.8300% | 681 |
| Return on Equity (ROE) | 27.3300% | 153 |
| Retained earnings to average equity (ytd only) | 11.7875% | 715 |
| Net charge-offs to loans | 0.0135% | 1,874 |
| Credit loss provision to net charge-offs | 209.6774% | 1,092 |
| Earnings coverage of net charge-offs (x) | 300.8710% | 485 |
| Efficiency ratio | 51.8134% | 3,992 |
| Assets per employee ($millions) | 6.0737% | 2,700 |
| Cash dividends to net income (ytd only)* | 56.8737% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 4,547 |
| Loan loss allowance to noncurrent loans | 38.6435% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 1,393 |
| Noncurrent loans to loans | 0.7865% | 947 |
| Net loans and leases to total assets | 46.7000% | 3,756 |
| Net loans and leases to deposits | 49.7292% | 3,909 |
| Net loans and leases to core deposits | 51.1052% | 3,935 |
| Total domestic deposits to total assets | 93.9100% | 252 |
| Equity capital to assets | 5.7217% | 4,176 |
| Core capital (leverage) ratio | 9.2880% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8858% | 1,665 |
| Memoranda: | ||
| Average total assets | $506,452,400 | 1,705 |
| Average earning assets | $473,269,600 | 1,692 |
| Average equity | $32,229,000 | 2,236 |
| Average total loans | $228,794,000 | 2,061 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 2,534 |
| Cost of funding earning assets | 0.1701% | 3,628 |
| Net interest margin | 3.3532% | 2,127 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.0515% | 3,345 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4744% | 903 |
| Return on assets (ROA) | 1.4759% | 886 |
| Pretax return on assets | 1.5529% | 1,256 |
| Return on Equity (ROE) | 22.6100% | 269 |
| Retained earnings to average equity (ytd only) | 8.4249% | 1,843 |
| Net charge-offs to loans | 0.0319% | 1,202 |
| Credit loss provision to net charge-offs | 120.3704% | 1,220 |
| Earnings coverage of net charge-offs (x) | 109.7963% | 897 |
| Efficiency ratio | 56.6720% | 3,552 |
| Assets per employee ($millions) | 5.9819% | 2,782 |
| Cash dividends to net income (ytd only)* | 62.7353% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 4,581 |
| Loan loss allowance to noncurrent loans | 36.6684% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 1,417 |
| Noncurrent loans to loans | 0.8508% | 924 |
| Net loans and leases to total assets | 44.6800% | 3,838 |
| Net loans and leases to deposits | 47.1267% | 3,984 |
| Net loans and leases to core deposits | 47.9172% | 4,035 |
| Total domestic deposits to total assets | 94.8100% | 246 |
| Equity capital to assets | 4.7258% | 4,348 |
| Core capital (leverage) ratio | 8.9171% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9174% | 1,733 |
| Memoranda: | ||
| Average total assets | $503,999,750 | 1,718 |
| Average earning assets | $471,782,500 | 1,703 |
| Average equity | $32,901,500 | 2,236 |
| Average total loans | $225,535,000 | 2,076 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3148% | 2,690 |
| Cost of funding earning assets | 0.1438% | 3,654 |
| Net interest margin | 3.1710% | 2,282 |
| Noninterest income to average assets | 0.4633% | 2,379 |
| Noninterest expense to average assets | 2.0477% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3143% | 1,098 |
| Return on assets (ROA) | 1.3166% | 1,075 |
| Pretax return on assets | 1.3854% | 1,481 |
| Return on Equity (ROE) | 18.4500% | 423 |
| Retained earnings to average equity (ytd only) | 5.6220% | 2,462 |
| Net charge-offs to loans | 0.0107% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 289.5833% | 418 |
| Efficiency ratio | 59.6868% | 3,335 |
| Assets per employee ($millions) | 6.0632% | 2,686 |
| Cash dividends to net income (ytd only)* | 69.5284% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 4,657 |
| Loan loss allowance to noncurrent loans | 29.4696% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 1,230 |
| Noncurrent loans to loans | 1.0360% | 806 |
| Net loans and leases to total assets | 44.1763% | 3,816 |
| Net loans and leases to deposits | 46.7840% | 3,994 |
| Net loans and leases to core deposits | 47.4849% | 4,053 |
| Total domestic deposits to total assets | 94.4262% | 207 |
| Equity capital to assets | 5.1692% | 4,439 |
| Core capital (leverage) ratio | 8.7523% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7688% | 1,776 |
| Memoranda: | ||
| Average total assets | $502,511,333 | 1,720 |
| Average earning assets | $470,257,667 | 1,722 |
| Average equity | $35,859,000 | 2,164 |
| Average total loans | $224,749,667 | 2,079 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1961% | 2,700 |
| Cost of funding earning assets | 0.1397% | 3,637 |
| Net interest margin | 3.0564% | 2,309 |
| Noninterest income to average assets | 0.4432% | 2,425 |
| Noninterest expense to average assets | 1.9354% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2975% | 1,007 |
| Return on assets (ROA) | 1.2975% | 999 |
| Pretax return on assets | 1.3656% | 1,342 |
| Return on Equity (ROE) | 15.9409% | 543 |
| Retained earnings to average equity (ytd only) | 5.1102% | 2,553 |
| Net charge-offs to loans | 0.0143% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 412 |
| Efficiency ratio | 58.6307% | 3,619 |
| Assets per employee ($millions) | 6.1981% | 2,633 |
| Cash dividends to net income (ytd only)* | 67.9432% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3211% | 4,677 |
| Loan loss allowance to noncurrent loans | 136.2205% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,100 |
| Noncurrent loans to loans | 0.2357% | 2,647 |
| Net loans and leases to total assets | 42.7837% | 3,834 |
| Net loans and leases to deposits | 46.2919% | 3,959 |
| Net loans and leases to core deposits | 47.3685% | 4,013 |
| Total domestic deposits to total assets | 92.4215% | 426 |
| Equity capital to assets | 7.2320% | 4,084 |
| Core capital (leverage) ratio | 8.7271% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3282% | 1,688 |
| Memoranda: | ||
| Average total assets | $499,113,500 | 1,733 |
| Average earning assets | $466,692,000 | 1,736 |
| Average equity | $40,625,000 | 2,029 |
| Average total loans | $224,283,500 | 2,078 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 1,043 |
| Cost of funding earning assets | 0.2075% | 3,394 |
| Net interest margin | 3.9656% | 758 |
| Noninterest income to average assets | 0.4715% | 2,718 |
| Noninterest expense to average assets | 2.1738% | 3,164 |
| Loan and lease loss provision to assets | 0.0477% | 2,112 |
| Net operating income to assets | 1.8566% | 452 |
| Return on assets (ROA) | 1.8582% | 476 |
| Pretax return on assets | 1.9540% | 668 |
| Return on Equity (ROE) | 19.4232% | 345 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,747 |
| Net charge-offs to loans | -0.0094% | 3,718 |
| Credit loss provision to net charge-offs | -1,022.7273% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0816% | 4,112 |
| Assets per employee ($millions) | 5.9069% | 2,857 |
| Cash dividends to net income (ytd only)* | 61.6946% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3003% | 4,730 |
| Loan loss allowance to noncurrent loans | 224.3590% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,539 |
| Noncurrent loans to loans | 0.1339% | 3,259 |
| Net loans and leases to total assets | 46.8340% | 3,619 |
| Net loans and leases to deposits | 51.7745% | 3,750 |
| Net loans and leases to core deposits | 53.0549% | 3,824 |
| Total domestic deposits to total assets | 90.4577% | 735 |
| Equity capital to assets | 9.0576% | 3,557 |
| Core capital (leverage) ratio | 8.7528% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7065% | 1,971 |
| Memoranda: | ||
| Average total assets | $471,899,200 | 1,767 |
| Average earning assets | $440,559,000 | 1,761 |
| Average equity | $45,147,000 | 1,916 |
| Average total loans | $235,055,000 | 2,018 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 690 |
| Cost of funding earning assets | 0.2243% | 3,382 |
| Net interest margin | 4.2605% | 490 |
| Noninterest income to average assets | 0.4276% | 2,944 |
| Noninterest expense to average assets | 2.1698% | 3,169 |
| Loan and lease loss provision to assets | 0.0644% | 1,710 |
| Net operating income to assets | 2.0600% | 421 |
| Return on assets (ROA) | 2.0622% | 443 |
| Pretax return on assets | 2.1707% | 582 |
| Return on Equity (ROE) | 21.2540% | 343 |
| Retained earnings to average equity (ytd only) | 9.4544% | 1,512 |
| Net charge-offs to loans | -0.0102% | 3,674 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2849% | 4,277 |
| Assets per employee ($millions) | 5.8743% | 2,811 |
| Cash dividends to net income (ytd only)* | 55.5170% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3133% | 4,809 |
| Loan loss allowance to noncurrent loans | 141.4634% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,415 |
| Noncurrent loans to loans | 0.2215% | 3,064 |
| Net loans and leases to total assets | 46.5463% | 3,752 |
| Net loans and leases to deposits | 51.9295% | 3,889 |
| Net loans and leases to core deposits | 53.4273% | 3,953 |
| Total domestic deposits to total assets | 89.6336% | 946 |
| Equity capital to assets | 9.7077% | 3,180 |
| Core capital (leverage) ratio | 9.0590% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3976% | 1,829 |
| Memoranda: | ||
| Average total assets | $465,829,500 | 1,809 |
| Average earning assets | $434,616,500 | 1,810 |
| Average equity | $45,198,250 | 1,938 |
| Average total loans | $235,548,750 | 2,058 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 366 |
| Cost of funding earning assets | 0.2477% | 3,300 |
| Net interest margin | 4.7137% | 257 |
| Noninterest income to average assets | 0.4757% | 2,732 |
| Noninterest expense to average assets | 2.1639% | 3,201 |
| Loan and lease loss provision to assets | 0.1189% | 1,060 |
| Net operating income to assets | 2.4659% | 228 |
| Return on assets (ROA) | 2.4692% | 242 |
| Pretax return on assets | 2.5985% | 306 |
| Return on Equity (ROE) | 25.4528% | 175 |
| Retained earnings to average equity (ytd only) | 14.7546% | 467 |
| Net charge-offs to loans | 0.1567% | 530 |
| Credit loss provision to net charge-offs | 146.2766% | 1,175 |
| Earnings coverage of net charge-offs (x) | 33.3830% | 1,254 |
| Efficiency ratio | 44.3617% | 4,593 |
| Assets per employee ($millions) | 5.9550% | 2,665 |
| Cash dividends to net income (ytd only)* | 42.0315% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2216% | 4,872 |
| Loan loss allowance to noncurrent loans | 17.3955% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 1,086 |
| Noncurrent loans to loans | 1.2739% | 927 |
| Net loans and leases to total assets | 51.1304% | 3,436 |
| Net loans and leases to deposits | 56.9630% | 3,639 |
| Net loans and leases to core deposits | 58.8822% | 3,695 |
| Total domestic deposits to total assets | 89.7607% | 891 |
| Equity capital to assets | 9.6539% | 3,197 |
| Core capital (leverage) ratio | 9.0429% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1700% | 1,917 |
| Memoranda: | ||
| Average total assets | $462,500,333 | 1,810 |
| Average earning assets | $431,928,333 | 1,808 |
| Average equity | $44,867,333 | 1,936 |
| Average total loans | $240,008,000 | 2,031 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 249 |
| Cost of funding earning assets | 0.2495% | 3,479 |
| Net interest margin | 5.0095% | 186 |
| Noninterest income to average assets | 0.4522% | 2,822 |
| Noninterest expense to average assets | 2.2057% | 3,091 |
| Loan and lease loss provision to assets | 0.0176% | 2,551 |
| Net operating income to assets | 2.7562% | 187 |
| Return on assets (ROA) | 2.7562% | 212 |
| Pretax return on assets | 2.9011% | 259 |
| Return on Equity (ROE) | 28.3396% | 173 |
| Retained earnings to average equity (ytd only) | 17.5057% | 389 |
| Net charge-offs to loans | -0.0252% | 4,103 |
| Credit loss provision to net charge-offs | -133.3333% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0432% | 4,631 |
| Assets per employee ($millions) | 5.7510% | 2,851 |
| Cash dividends to net income (ytd only)* | 38.2287% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2048% | 4,902 |
| Loan loss allowance to noncurrent loans | 17.0997% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 1,399 |
| Noncurrent loans to loans | 1.1976% | 1,099 |
| Net loans and leases to total assets | 50.9449% | 3,542 |
| Net loans and leases to deposits | 56.6588% | 3,740 |
| Net loans and leases to core deposits | 58.5580% | 3,799 |
| Total domestic deposits to total assets | 89.9152% | 861 |
| Equity capital to assets | 9.5726% | 3,132 |
| Core capital (leverage) ratio | 9.1813% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1149% | 1,866 |
| Memoranda: | ||
| Average total assets | $455,551,500 | 1,824 |
| Average earning assets | $424,876,500 | 1,821 |
| Average equity | $44,305,500 | 1,940 |
| Average total loans | $237,949,500 | 2,047 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 1,899 |
| Cost of funding earning assets | 0.4311% | 3,400 |
| Net interest margin | 3.8578% | 1,339 |
| Noninterest income to average assets | 0.5546% | 2,401 |
| Noninterest expense to average assets | 2.3317% | 3,323 |
| Loan and lease loss provision to assets | 0.0412% | 3,883 |
| Net operating income to assets | 1.6915% | 511 |
| Return on assets (ROA) | 1.6950% | 543 |
| Pretax return on assets | 1.7831% | 712 |
| Return on Equity (ROE) | 17.0087% | 413 |
| Retained earnings to average equity (ytd only) | 4.9327% | 2,304 |
| Net charge-offs to loans | 0.0348% | 2,351 |
| Credit loss provision to net charge-offs | 204.8193% | 2,141 |
| Earnings coverage of net charge-offs (x) | 90.4096% | 841 |
| Efficiency ratio | 56.1529% | 3,970 |
| Assets per employee ($millions) | 5.4972% | 2,849 |
| Cash dividends to net income (ytd only)* | 70.9991% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1903% | 4,929 |
| Loan loss allowance to noncurrent loans | 25.3214% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,222 |
| Noncurrent loans to loans | 0.7514% | 1,820 |
| Net loans and leases to total assets | 53.3701% | 3,543 |
| Net loans and leases to deposits | 59.5955% | 3,794 |
| Net loans and leases to core deposits | 61.6253% | 3,851 |
| Total domestic deposits to total assets | 89.5538% | 751 |
| Equity capital to assets | 9.8859% | 3,229 |
| Core capital (leverage) ratio | 9.0159% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9422% | 2,256 |
| Memoranda: | ||
| Average total assets | $412,152,000 | 1,820 |
| Average earning assets | $384,360,800 | 1,817 |
| Average equity | $41,073,000 | 1,984 |
| Average total loans | $238,404,600 | 1,978 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,603 |
| Cost of funding earning assets | 0.4772% | 3,379 |
| Net interest margin | 4.0095% | 1,094 |
| Noninterest income to average assets | 0.5404% | 2,423 |
| Noninterest expense to average assets | 2.3608% | 3,252 |
| Loan and lease loss provision to assets | 0.0347% | 3,906 |
| Net operating income to assets | 1.7922% | 458 |
| Return on assets (ROA) | 1.7969% | 508 |
| Pretax return on assets | 1.8916% | 648 |
| Return on Equity (ROE) | 17.9915% | 361 |
| Retained earnings to average equity (ytd only) | 6.2572% | 1,992 |
| Net charge-offs to loans | 0.0162% | 2,554 |
| Credit loss provision to net charge-offs | 362.0690% | 1,568 |
| Earnings coverage of net charge-offs (x) | 200.6897% | 491 |
| Efficiency ratio | 55.1307% | 4,022 |
| Assets per employee ($millions) | 5.3762% | 2,818 |
| Cash dividends to net income (ytd only)* | 65.2214% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1807% | 4,968 |
| Loan loss allowance to noncurrent loans | 21.8704% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,116 |
| Noncurrent loans to loans | 0.8263% | 1,772 |
| Net loans and leases to total assets | 57.4844% | 3,468 |
| Net loans and leases to deposits | 64.5707% | 3,751 |
| Net loans and leases to core deposits | 66.9140% | 3,831 |
| Total domestic deposits to total assets | 89.0254% | 756 |
| Equity capital to assets | 10.2760% | 2,984 |
| Core capital (leverage) ratio | 9.5174% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4069% | 2,031 |
| Memoranda: | ||
| Average total assets | $403,872,000 | 1,828 |
| Average earning assets | $376,897,750 | 1,822 |
| Average equity | $40,336,500 | 1,999 |
| Average total loans | $238,482,000 | 1,979 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,368 |
| Cost of funding earning assets | 0.5369% | 3,307 |
| Net interest margin | 4.1805% | 967 |
| Noninterest income to average assets | 0.5260% | 2,460 |
| Noninterest expense to average assets | 2.4136% | 3,221 |
| Loan and lease loss provision to assets | 0.0529% | 3,643 |
| Net operating income to assets | 1.8612% | 440 |
| Return on assets (ROA) | 1.8684% | 477 |
| Pretax return on assets | 1.9671% | 587 |
| Return on Equity (ROE) | 18.9020% | 310 |
| Retained earnings to average equity (ytd only) | 7.1774% | 1,582 |
| Net charge-offs to loans | 0.0085% | 2,644 |
| Credit loss provision to net charge-offs | 1,050.0000% | 764 |
| Earnings coverage of net charge-offs (x) | 399.4000% | 255 |
| Efficiency ratio | 54.5310% | 4,113 |
| Assets per employee ($millions) | 5.2140% | 2,914 |
| Cash dividends to net income (ytd only)* | 62.0280% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1858% | 4,997 |
| Loan loss allowance to noncurrent loans | 17.8199% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 1,958 |
| Noncurrent loans to loans | 1.0429% | 1,497 |
| Net loans and leases to total assets | 59.3575% | 3,390 |
| Net loans and leases to deposits | 66.5929% | 3,672 |
| Net loans and leases to core deposits | 69.0312% | 3,782 |
| Total domestic deposits to total assets | 89.1348% | 699 |
| Equity capital to assets | 10.2136% | 3,002 |
| Core capital (leverage) ratio | 9.6682% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4485% | 2,421 |
| Memoranda: | ||
| Average total assets | $396,923,000 | 1,820 |
| Average earning assets | $370,287,333 | 1,818 |
| Average equity | $39,234,000 | 2,027 |
| Average total loans | $236,446,333 | 1,975 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,999 |
| Cost of funding earning assets | 0.6799% | 3,017 |
| Net interest margin | 3.9193% | 1,611 |
| Noninterest income to average assets | 0.5491% | 2,287 |
| Noninterest expense to average assets | 2.5190% | 3,221 |
| Loan and lease loss provision to assets | 0.0259% | 3,465 |
| Net operating income to assets | 1.5636% | 675 |
| Return on assets (ROA) | 1.5645% | 741 |
| Pretax return on assets | 1.6473% | 960 |
| Return on Equity (ROE) | 16.1174% | 408 |
| Retained earnings to average equity (ytd only) | 2.2690% | 3,346 |
| Net charge-offs to loans | 0.0295% | 1,791 |
| Credit loss provision to net charge-offs | 147.0588% | 1,589 |
| Earnings coverage of net charge-offs (x) | 95.1176% | 599 |
| Efficiency ratio | 60.1036% | 3,728 |
| Assets per employee ($millions) | 4.7855% | 2,889 |
| Cash dividends to net income (ytd only)* | 85.9220% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1645% | 5,038 |
| Loan loss allowance to noncurrent loans | 25.3053% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 2,902 |
| Noncurrent loans to loans | 0.6500% | 2,366 |
| Net loans and leases to total assets | 59.1365% | 3,582 |
| Net loans and leases to deposits | 65.7724% | 3,880 |
| Net loans and leases to core deposits | 68.7595% | 3,950 |
| Total domestic deposits to total assets | 89.9108% | 349 |
| Equity capital to assets | 9.5221% | 4,202 |
| Core capital (leverage) ratio | 9.7454% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0493% | 2,265 |
| Memoranda: | ||
| Average total assets | $386,823,500 | 1,815 |
| Average earning assets | $359,454,000 | 1,817 |
| Average equity | $37,549,500 | 2,089 |
| Average total loans | $230,642,500 | 1,986 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 2,132 |
| Cost of funding earning assets | 0.7519% | 2,905 |
| Net interest margin | 4.0200% | 1,787 |
| Noninterest income to average assets | 0.6679% | 1,936 |
| Noninterest expense to average assets | 2.5521% | 3,314 |
| Loan and lease loss provision to assets | 0.0528% | 2,977 |
| Net operating income to assets | 1.7034% | 652 |
| Return on assets (ROA) | 1.7114% | 686 |
| Pretax return on assets | 1.8045% | 923 |
| Return on Equity (ROE) | 17.2037% | 398 |
| Retained earnings to average equity (ytd only) | 2.3434% | 3,851 |
| Net charge-offs to loans | 0.0533% | 2,344 |
| Credit loss provision to net charge-offs | 165.2542% | 1,570 |
| Earnings coverage of net charge-offs (x) | 57.8729% | 1,004 |
| Efficiency ratio | 57.9883% | 3,965 |
| Assets per employee ($millions) | 4.8248% | 2,809 |
| Cash dividends to net income (ytd only)* | 86.3787% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1561% | 5,099 |
| Loan loss allowance to noncurrent loans | 121.5947% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,254 |
| Noncurrent loans to loans | 0.1283% | 4,004 |
| Net loans and leases to total assets | 59.9139% | 3,591 |
| Net loans and leases to deposits | 66.9501% | 3,898 |
| Net loans and leases to core deposits | 70.6260% | 3,930 |
| Total domestic deposits to total assets | 89.4903% | 491 |
| Equity capital to assets | 9.8884% | 4,022 |
| Core capital (leverage) ratio | 9.8451% | 3,680 |
| Tier 1 risk-based capital ratio | 13.4774% | 3,535 |
| Total risk-based capital ratio | 13.6077% | 4,019 |
| Memoranda: | ||
| Average total assets | $369,348,600 | 1,848 |
| Average earning assets | $342,982,000 | 1,838 |
| Average equity | $36,742,200 | 2,064 |
| Average total loans | $221,535,400 | 2,020 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 2,080 |
| Cost of funding earning assets | 0.7427% | 2,998 |
| Net interest margin | 4.0699% | 1,701 |
| Noninterest income to average assets | 0.6509% | 1,983 |
| Noninterest expense to average assets | 2.5206% | 3,374 |
| Loan and lease loss provision to assets | 0.0843% | 2,223 |
| Net operating income to assets | 1.7335% | 697 |
| Return on assets (ROA) | 1.7433% | 721 |
| Pretax return on assets | 1.8359% | 1,005 |
| Return on Equity (ROE) | 17.4960% | 433 |
| Retained earnings to average equity (ytd only) | 2.6066% | 4,046 |
| Net charge-offs to loans | 0.1051% | 1,420 |
| Credit loss provision to net charge-offs | 133.7209% | 1,784 |
| Earnings coverage of net charge-offs (x) | 30.3137% | 1,613 |
| Efficiency ratio | 56.8913% | 4,076 |
| Assets per employee ($millions) | 4.5863% | 3,069 |
| Cash dividends to net income (ytd only)* | 85.1021% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1568% | 5,172 |
| Loan loss allowance to noncurrent loans | 88.9744% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,183 |
| Noncurrent loans to loans | 0.1763% | 3,902 |
| Net loans and leases to total assets | 59.4680% | 3,728 |
| Net loans and leases to deposits | 66.8683% | 4,005 |
| Net loans and leases to core deposits | 70.5508% | 4,031 |
| Total domestic deposits to total assets | 88.9331% | 635 |
| Equity capital to assets | 10.3374% | 3,684 |
| Core capital (leverage) ratio | 10.3297% | 3,283 |
| Tier 1 risk-based capital ratio | 14.2363% | 3,204 |
| Total risk-based capital ratio | 14.3668% | 3,693 |
| Memoranda: | ||
| Average total assets | $363,983,000 | 1,885 |
| Average earning assets | $338,021,000 | 1,868 |
| Average equity | $36,266,500 | 2,093 |
| Average total loans | $218,290,250 | 2,054 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 2,176 |
| Cost of funding earning assets | 0.7152% | 3,082 |
| Net interest margin | 4.0488% | 1,767 |
| Noninterest income to average assets | 0.6252% | 2,039 |
| Noninterest expense to average assets | 2.4820% | 3,542 |
| Loan and lease loss provision to assets | 0.0885% | 2,071 |
| Net operating income to assets | 1.7189% | 700 |
| Return on assets (ROA) | 1.7262% | 719 |
| Pretax return on assets | 1.8181% | 995 |
| Return on Equity (ROE) | 17.5506% | 403 |
| Retained earnings to average equity (ytd only) | 1.8001% | 4,175 |
| Net charge-offs to loans | 0.1252% | 1,194 |
| Credit loss provision to net charge-offs | 117.6471% | 1,766 |
| Earnings coverage of net charge-offs (x) | 25.2353% | 1,601 |
| Efficiency ratio | 56.6557% | 4,171 |
| Assets per employee ($millions) | 4.5748% | 3,031 |
| Cash dividends to net income (ytd only)* | 89.7436% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1414% | 5,229 |
| Loan loss allowance to noncurrent loans | 16.2513% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,426 |
| Noncurrent loans to loans | 0.8703% | 1,859 |
| Net loans and leases to total assets | 61.1485% | 3,635 |
| Net loans and leases to deposits | 68.6751% | 3,928 |
| Net loans and leases to core deposits | 71.6319% | 4,032 |
| Total domestic deposits to total assets | 89.0402% | 648 |
| Equity capital to assets | 10.3657% | 3,636 |
| Core capital (leverage) ratio | 10.3133% | 3,275 |
| Tier 1 risk-based capital ratio | 14.0312% | 3,300 |
| Total risk-based capital ratio | 14.1484% | 3,791 |
| Memoranda: | ||
| Average total assets | $361,479,330 | 1,899 |
| Average earning assets | $335,305,330 | 1,887 |
| Average equity | $35,554,330 | 2,115 |
| Average total loans | $217,298,000 | 2,063 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 2,212 |
| Cost of funding earning assets | 0.6728% | 3,187 |
| Net interest margin | 4.0306% | 1,756 |
| Noninterest income to average assets | 0.6041% | 2,022 |
| Noninterest expense to average assets | 2.4276% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8092% | 571 |
| Return on assets (ROA) | 1.8124% | 580 |
| Pretax return on assets | 1.9053% | 789 |
| Return on Equity (ROE) | 18.9364% | 333 |
| Retained earnings to average equity (ytd only) | 2.7514% | 3,837 |
| Net charge-offs to loans | 0.0223% | 2,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 143.2500% | 522 |
| Efficiency ratio | 56.0695% | 4,326 |
| Assets per employee ($millions) | 4.5068% | 3,182 |
| Cash dividends to net income (ytd only)* | 85.4701% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1310% | 5,292 |
| Loan loss allowance to noncurrent loans | 24.0243% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,318 |
| Noncurrent loans to loans | 0.5451% | 2,678 |
| Net loans and leases to total assets | 58.5852% | 3,826 |
| Net loans and leases to deposits | 65.3476% | 4,103 |
| Net loans and leases to core deposits | 67.4556% | 4,210 |
| Total domestic deposits to total assets | 89.6517% | 577 |
| Equity capital to assets | 9.8318% | 3,987 |
| Core capital (leverage) ratio | 10.4088% | 3,152 |
| Tier 1 risk-based capital ratio | 14.4218% | 3,133 |
| Total risk-based capital ratio | 14.5286% | 3,634 |
| Memoranda: | ||
| Average total assets | $361,513,000 | 1,912 |
| Average earning assets | $334,147,500 | 1,906 |
| Average equity | $34,600,000 | 2,157 |
| Average total loans | $215,291,500 | 2,093 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 2,313 |
| Cost of funding earning assets | 0.3934% | 4,023 |
| Net interest margin | 4.1523% | 1,524 |
| Noninterest income to average assets | 0.6591% | 2,014 |
| Noninterest expense to average assets | 2.3769% | 3,946 |
| Loan and lease loss provision to assets | 0.0110% | 3,914 |
| Net operating income to assets | 1.9888% | 370 |
| Return on assets (ROA) | 1.9893% | 365 |
| Pretax return on assets | 2.0917% | 448 |
| Return on Equity (ROE) | 21.7446% | 164 |
| Retained earnings to average equity (ytd only) | 3.9231% | 3,420 |
| Net charge-offs to loans | 0.0048% | 3,543 |
| Credit loss provision to net charge-offs | 400.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 762.0000% | 144 |
| Efficiency ratio | 53.0673% | 4,713 |
| Assets per employee ($millions) | 4.8984% | 2,620 |
| Cash dividends to net income (ytd only)* | 81.9581% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1319% | 5,338 |
| Loan loss allowance to noncurrent loans | 155.3763% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,585 |
| Noncurrent loans to loans | 0.0849% | 4,368 |
| Net loans and leases to total assets | 60.3592% | 3,731 |
| Net loans and leases to deposits | 67.3353% | 4,019 |
| Net loans and leases to core deposits | 69.6504% | 4,132 |
| Total domestic deposits to total assets | 89.6398% | 606 |
| Equity capital to assets | 9.3113% | 4,309 |
| Core capital (leverage) ratio | 10.2242% | 3,334 |
| Tier 1 risk-based capital ratio | 13.9884% | 3,291 |
| Total risk-based capital ratio | 14.0972% | 3,828 |
| Memoranda: | ||
| Average total assets | $362,485,400 | 1,865 |
| Average earning assets | $333,481,400 | 1,874 |
| Average equity | $33,162,200 | 2,147 |
| Average total loans | $206,476,600 | 2,127 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,442 |
| Cost of funding earning assets | 0.3600% | 4,117 |
| Net interest margin | 4.0978% | 1,637 |
| Noninterest income to average assets | 0.6466% | 2,091 |
| Noninterest expense to average assets | 2.3103% | 4,070 |
| Loan and lease loss provision to assets | 0.0092% | 3,803 |
| Net operating income to assets | 1.9903% | 389 |
| Return on assets (ROA) | 1.9914% | 381 |
| Pretax return on assets | 2.0966% | 483 |
| Return on Equity (ROE) | 21.8644% | 174 |
| Retained earnings to average equity (ytd only) | 6.1143% | 2,602 |
| Net charge-offs to loans | 0.0072% | 3,167 |
| Credit loss provision to net charge-offs | 227.2727% | 1,261 |
| Earnings coverage of net charge-offs (x) | 520.0504% | 174 |
| Efficiency ratio | 52.3286% | 4,777 |
| Assets per employee ($millions) | 4.5376% | 3,065 |
| Cash dividends to net income (ytd only)* | 72.0354% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1317% | 5,409 |
| Loan loss allowance to noncurrent loans | 42.7900% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,045 |
| Noncurrent loans to loans | 0.3077% | 3,570 |
| Net loans and leases to total assets | 58.5018% | 3,986 |
| Net loans and leases to deposits | 65.8922% | 4,208 |
| Net loans and leases to core deposits | 67.6447% | 4,314 |
| Total domestic deposits to total assets | 88.7842% | 921 |
| Equity capital to assets | 9.2846% | 4,295 |
| Core capital (leverage) ratio | 10.3509% | 3,238 |
| Tier 1 risk-based capital ratio | 14.6099% | 3,060 |
| Total risk-based capital ratio | 14.7166% | 3,559 |
| Memoranda: | ||
| Average total assets | $362,486,000 | 1,875 |
| Average earning assets | $333,343,000 | 1,889 |
| Average equity | $33,014,750 | 2,162 |
| Average total loans | $203,325,500 | 2,158 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,686 |
| Cost of funding earning assets | 0.3451% | 4,108 |
| Net interest margin | 3.9798% | 1,926 |
| Noninterest income to average assets | 0.6066% | 2,292 |
| Noninterest expense to average assets | 2.2817% | 4,185 |
| Loan and lease loss provision to assets | 0.0903% | 2,119 |
| Net operating income to assets | 1.8011% | 580 |
| Return on assets (ROA) | 1.8011% | 584 |
| Pretax return on assets | 1.8963% | 781 |
| Return on Equity (ROE) | 19.8996% | 276 |
| Retained earnings to average equity (ytd only) | 4.7783% | 3,196 |
| Net charge-offs to loans | 0.1881% | 830 |
| Credit loss provision to net charge-offs | 86.8421% | 2,195 |
| Earnings coverage of net charge-offs (x) | 19.1000% | 1,866 |
| Efficiency ratio | 53.4565% | 4,744 |
| Assets per employee ($millions) | 4.7133% | 2,802 |
| Cash dividends to net income (ytd only)* | 75.9878% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1130% | 5,473 |
| Loan loss allowance to noncurrent loans | 47.7551% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,323 |
| Noncurrent loans to loans | 0.2367% | 3,862 |
| Net loans and leases to total assets | 56.9778% | 4,084 |
| Net loans and leases to deposits | 62.9141% | 4,360 |
| Net loans and leases to core deposits | 64.5059% | 4,459 |
| Total domestic deposits to total assets | 90.5644% | 381 |
| Equity capital to assets | 9.0074% | 4,553 |
| Core capital (leverage) ratio | 9.9885% | 3,592 |
| Tier 1 risk-based capital ratio | 14.3704% | 3,172 |
| Total risk-based capital ratio | 14.4622% | 3,703 |
| Memoranda: | ||
| Average total assets | $365,338,330 | 1,867 |
| Average earning assets | $336,151,000 | 1,885 |
| Average equity | $33,066,000 | 2,168 |
| Average total loans | $201,991,330 | 2,168 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,839 |
| Cost of funding earning assets | 0.3299% | 4,134 |
| Net interest margin | 3.8852% | 2,105 |
| Noninterest income to average assets | 0.6002% | 2,255 |
| Noninterest expense to average assets | 2.3015% | 4,191 |
| Loan and lease loss provision to assets | -0.0109% | 5,412 |
| Net operating income to assets | 1.7875% | 574 |
| Return on assets (ROA) | 1.7875% | 578 |
| Pretax return on assets | 1.8824% | 759 |
| Return on Equity (ROE) | 19.7029% | 263 |
| Retained earnings to average equity (ytd only) | 5.2685% | 3,048 |
| Net charge-offs to loans | 0.0160% | 2,196 |
| Credit loss provision to net charge-offs | -125.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | 214.3750% | 316 |
| Efficiency ratio | 55.1517% | 4,679 |
| Assets per employee ($millions) | 4.7500% | 2,794 |
| Cash dividends to net income (ytd only)* | 73.2601% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1223% | 5,536 |
| Loan loss allowance to noncurrent loans | 23.9087% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 3,766 |
| Noncurrent loans to loans | 0.5114% | 2,986 |
| Net loans and leases to total assets | 53.8242% | 4,302 |
| Net loans and leases to deposits | 59.3227% | 4,517 |
| Net loans and leases to core deposits | 60.6748% | 4,622 |
| Total domestic deposits to total assets | 90.7312% | 405 |
| Equity capital to assets | 8.9003% | 4,659 |
| Core capital (leverage) ratio | 9.8829% | 3,670 |
| Tier 1 risk-based capital ratio | 14.3429% | 3,203 |
| Total risk-based capital ratio | 14.4381% | 3,753 |
| Memoranda: | ||
| Average total assets | $366,545,500 | 1,870 |
| Average earning assets | $337,075,500 | 1,890 |
| Average equity | $33,254,000 | 2,173 |
| Average total loans | $199,477,000 | 2,201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,034 |
| Cost of funding earning assets | 0.3006% | 4,134 |
| Net interest margin | 3.8060% | 2,406 |
| Noninterest income to average assets | 0.7033% | 1,948 |
| Noninterest expense to average assets | 2.3777% | 4,136 |
| Loan and lease loss provision to assets | -0.0140% | 5,317 |
| Net operating income to assets | 1.7634% | 465 |
| Return on assets (ROA) | 1.7807% | 453 |
| Pretax return on assets | 1.8680% | 652 |
| Return on Equity (ROE) | 18.8814% | 246 |
| Retained earnings to average equity (ytd only) | 2.8330% | 3,619 |
| Net charge-offs to loans | -0.0270% | 5,033 |
| Credit loss provision to net charge-offs | 96.1538% | 2,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4305% | 4,721 |
| Assets per employee ($millions) | 4.9640% | 2,527 |
| Cash dividends to net income (ytd only)* | 84.9961% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1283% | 5,597 |
| Loan loss allowance to noncurrent loans | 62.5604% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,569 |
| Noncurrent loans to loans | 0.2051% | 4,093 |
| Net loans and leases to total assets | 54.8787% | 4,279 |
| Net loans and leases to deposits | 60.7006% | 4,521 |
| Net loans and leases to core deposits | 62.1104% | 4,651 |
| Total domestic deposits to total assets | 90.4089% | 428 |
| Equity capital to assets | 9.2435% | 4,484 |
| Core capital (leverage) ratio | 9.7082% | 3,805 |
| Tier 1 risk-based capital ratio | 14.5163% | 3,082 |
| Total risk-based capital ratio | 14.6212% | 3,615 |
| Memoranda: | ||
| Average total assets | $357,447,400 | 1,881 |
| Average earning assets | $329,661,200 | 1,895 |
| Average equity | $33,710,400 | 2,144 |
| Average total loans | $192,928,600 | 2,221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,095 |
| Cost of funding earning assets | 0.2844% | 4,275 |
| Net interest margin | 3.7852% | 2,454 |
| Noninterest income to average assets | 0.6907% | 2,039 |
| Noninterest expense to average assets | 2.3197% | 4,248 |
| Loan and lease loss provision to assets | 0.0075% | 3,979 |
| Net operating income to assets | 1.7780% | 484 |
| Return on assets (ROA) | 1.8014% | 478 |
| Pretax return on assets | 1.8825% | 720 |
| Return on Equity (ROE) | 19.0034% | 278 |
| Retained earnings to average equity (ytd only) | 4.7390% | 3,057 |
| Net charge-offs to loans | 0.0147% | 3,225 |
| Credit loss provision to net charge-offs | 95.2381% | 2,384 |
| Earnings coverage of net charge-offs (x) | 236.5179% | 370 |
| Efficiency ratio | 55.4249% | 4,799 |
| Assets per employee ($millions) | 4.8157% | 2,677 |
| Cash dividends to net income (ytd only)* | 75.0625% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1315% | 5,664 |
| Loan loss allowance to noncurrent loans | 36.7816% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 4,321 |
| Noncurrent loans to loans | 0.3575% | 3,670 |
| Net loans and leases to total assets | 54.5555% | 4,367 |
| Net loans and leases to deposits | 60.8804% | 4,589 |
| Net loans and leases to core deposits | 62.3788% | 4,693 |
| Total domestic deposits to total assets | 89.6109% | 613 |
| Equity capital to assets | 9.8705% | 4,059 |
| Core capital (leverage) ratio | 10.1026% | 3,441 |
| Tier 1 risk-based capital ratio | 14.9076% | 2,959 |
| Total risk-based capital ratio | 15.0134% | 3,481 |
| Memoranda: | ||
| Average total assets | $354,974,500 | 1,898 |
| Average earning assets | $327,722,000 | 1,916 |
| Average equity | $33,649,250 | 2,162 |
| Average total loans | $190,698,250 | 2,245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,255 |
| Cost of funding earning assets | 0.2572% | 4,480 |
| Net interest margin | 3.7285% | 2,554 |
| Noninterest income to average assets | 0.6550% | 2,184 |
| Noninterest expense to average assets | 2.3627% | 4,170 |
| Loan and lease loss provision to assets | 0.0564% | 2,844 |
| Net operating income to assets | 1.6060% | 695 |
| Return on assets (ROA) | 1.6169% | 696 |
| Pretax return on assets | 1.6896% | 1,082 |
| Return on Equity (ROE) | 17.2960% | 384 |
| Retained earnings to average equity (ytd only) | 2.8123% | 4,030 |
| Net charge-offs to loans | -0.0032% | 4,240 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6621% | 4,644 |
| Assets per employee ($millions) | 4.8697% | 2,555 |
| Cash dividends to net income (ytd only)* | 83.7404% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1870% | 5,702 |
| Loan loss allowance to noncurrent loans | 25.6776% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 3,558 |
| Noncurrent loans to loans | 0.7284% | 2,567 |
| Net loans and leases to total assets | 53.3161% | 4,455 |
| Net loans and leases to deposits | 59.2590% | 4,685 |
| Net loans and leases to core deposits | 60.8357% | 4,779 |
| Total domestic deposits to total assets | 89.9714% | 547 |
| Equity capital to assets | 9.5943% | 4,317 |
| Core capital (leverage) ratio | 9.9242% | 3,627 |
| Tier 1 risk-based capital ratio | 15.0544% | 2,899 |
| Total risk-based capital ratio | 15.2077% | 3,367 |
| Memoranda: | ||
| Average total assets | $354,511,330 | 1,905 |
| Average earning assets | $327,320,000 | 1,921 |
| Average equity | $33,140,670 | 2,182 |
| Average total loans | $189,373,670 | 2,264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,292 |
| Cost of funding earning assets | 0.2210% | 4,794 |
| Net interest margin | 3.7069% | 2,464 |
| Noninterest income to average assets | 0.6826% | 2,031 |
| Noninterest expense to average assets | 2.3914% | 4,137 |
| Loan and lease loss provision to assets | 0.0228% | 3,287 |
| Net operating income to assets | 1.6115% | 662 |
| Return on assets (ROA) | 1.6235% | 664 |
| Pretax return on assets | 1.6963% | 1,014 |
| Return on Equity (ROE) | 17.6042% | 365 |
| Retained earnings to average equity (ytd only) | 2.8004% | 4,008 |
| Net charge-offs to loans | 0.0575% | 1,760 |
| Credit loss provision to net charge-offs | 74.0741% | 1,797 |
| Earnings coverage of net charge-offs (x) | 55.5556% | 845 |
| Efficiency ratio | 58.3565% | 4,679 |
| Assets per employee ($millions) | 4.8429% | 2,638 |
| Cash dividends to net income (ytd only)* | 84.0925% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1368% | 5,789 |
| Loan loss allowance to noncurrent loans | 12.2609% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 2,896 |
| Noncurrent loans to loans | 1.1160% | 1,835 |
| Net loans and leases to total assets | 52.3247% | 4,484 |
| Net loans and leases to deposits | 57.9855% | 4,697 |
| Net loans and leases to core deposits | 59.5388% | 4,800 |
| Total domestic deposits to total assets | 90.2376% | 564 |
| Equity capital to assets | 9.4148% | 4,379 |
| Core capital (leverage) ratio | 9.9559% | 3,560 |
| Tier 1 risk-based capital ratio | 15.4758% | 2,765 |
| Total risk-based capital ratio | 15.5860% | 3,210 |
| Memoranda: | ||
| Average total assets | $351,588,000 | 1,925 |
| Average earning assets | $323,936,500 | 1,945 |
| Average equity | $32,424,000 | 2,220 |
| Average total loans | $187,816,000 | 2,291 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,149 |
| Cost of funding earning assets | 0.1961% | 5,052 |
| Net interest margin | 3.5254% | 3,336 |
| Noninterest income to average assets | 0.7096% | 2,132 |
| Noninterest expense to average assets | 2.2289% | 4,702 |
| Loan and lease loss provision to assets | 0.0042% | 4,271 |
| Net operating income to assets | 1.6677% | 587 |
| Return on assets (ROA) | 1.6884% | 588 |
| Pretax return on assets | 1.7612% | 867 |
| Return on Equity (ROE) | 17.8227% | 339 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,006 |
| Net charge-offs to loans | 0.0215% | 3,619 |
| Credit loss provision to net charge-offs | 38.4615% | 3,509 |
| Earnings coverage of net charge-offs (x) | 159.1026% | 408 |
| Efficiency ratio | 56.1050% | 5,059 |
| Assets per employee ($millions) | 4.7265% | 2,746 |
| Cash dividends to net income (ytd only)* | 85.0533% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1332% | 5,844 |
| Loan loss allowance to noncurrent loans | 59.0805% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,825 |
| Noncurrent loans to loans | 0.2255% | 4,343 |
| Net loans and leases to total assets | 54.3530% | 4,415 |
| Net loans and leases to deposits | 59.9322% | 4,673 |
| Net loans and leases to core deposits | 61.5268% | 4,774 |
| Total domestic deposits to total assets | 90.6909% | 388 |
| Equity capital to assets | 9.0327% | 4,778 |
| Core capital (leverage) ratio | 9.6836% | 3,875 |
| Tier 1 risk-based capital ratio | 14.9061% | 3,011 |
| Total risk-based capital ratio | 15.0159% | 3,508 |
| Memoranda: | ||
| Average total assets | $355,832,000 | 1,875 |
| Average earning assets | $329,353,200 | 1,872 |
| Average equity | $33,709,800 | 2,145 |
| Average total loans | $181,511,200 | 2,297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,295 |
| Cost of funding earning assets | 0.1938% | 5,132 |
| Net interest margin | 3.4930% | 3,500 |
| Noninterest income to average assets | 0.6836% | 2,248 |
| Noninterest expense to average assets | 2.1791% | 4,817 |
| Loan and lease loss provision to assets | 0.0187% | 3,874 |
| Net operating income to assets | 1.6462% | 665 |
| Return on assets (ROA) | 1.6715% | 670 |
| Pretax return on assets | 1.7508% | 1,000 |
| Return on Equity (ROE) | 17.4415% | 398 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,878 |
| Net charge-offs to loans | 0.0388% | 2,855 |
| Credit loss provision to net charge-offs | 96.1538% | 2,436 |
| Earnings coverage of net charge-offs (x) | 89.5405% | 703 |
| Efficiency ratio | 55.5598% | 5,103 |
| Assets per employee ($millions) | 4.7303% | 2,703 |
| Cash dividends to net income (ytd only)* | 80.6272% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1495% | 5,905 |
| Loan loss allowance to noncurrent loans | 43.5257% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,707 |
| Noncurrent loans to loans | 0.3434% | 4,023 |
| Net loans and leases to total assets | 53.2413% | 4,561 |
| Net loans and leases to deposits | 59.5632% | 4,789 |
| Net loans and leases to core deposits | 61.0234% | 4,890 |
| Total domestic deposits to total assets | 89.3864% | 730 |
| Equity capital to assets | 10.1197% | 4,014 |
| Core capital (leverage) ratio | 9.8868% | 3,710 |
| Tier 1 risk-based capital ratio | 15.4277% | 2,861 |
| Total risk-based capital ratio | 15.5511% | 3,328 |
| Memoranda: | ||
| Average total assets | $356,167,500 | 1,880 |
| Average earning assets | $330,217,750 | 1,873 |
| Average equity | $34,132,250 | 2,141 |
| Average total loans | $178,655,750 | 2,326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,523 |
| Cost of funding earning assets | 0.1908% | 5,232 |
| Net interest margin | 3.4333% | 3,748 |
| Noninterest income to average assets | 0.6599% | 2,330 |
| Noninterest expense to average assets | 2.1736% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5987% | 728 |
| Return on assets (ROA) | 1.6180% | 737 |
| Pretax return on assets | 1.6912% | 1,113 |
| Return on Equity (ROE) | 17.1978% | 424 |
| Retained earnings to average equity (ytd only) | 1.7684% | 4,671 |
| Net charge-offs to loans | 0.0045% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 748.2500% | 76 |
| Efficiency ratio | 56.5350% | 5,078 |
| Assets per employee ($millions) | 4.7789% | 2,591 |
| Cash dividends to net income (ytd only)* | 89.7170% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1517% | 5,985 |
| Loan loss allowance to noncurrent loans | 18.5408% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,816 |
| Noncurrent loans to loans | 0.8182% | 2,696 |
| Net loans and leases to total assets | 51.5568% | 4,710 |
| Net loans and leases to deposits | 57.5287% | 4,927 |
| Net loans and leases to core deposits | 58.9410% | 5,028 |
| Total domestic deposits to total assets | 89.6194% | 628 |
| Equity capital to assets | 9.9537% | 4,286 |
| Core capital (leverage) ratio | 9.6886% | 3,947 |
| Tier 1 risk-based capital ratio | 15.3147% | 2,932 |
| Total risk-based capital ratio | 15.4384% | 3,421 |
| Memoranda: | ||
| Average total assets | $358,210,000 | 1,872 |
| Average earning assets | $332,274,000 | 1,868 |
| Average equity | $33,702,000 | 2,162 |
| Average total loans | $175,992,670 | 2,353 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 4,621 |
| Cost of funding earning assets | 0.1869% | 5,310 |
| Net interest margin | 3.4091% | 3,844 |
| Noninterest income to average assets | 0.6480% | 2,276 |
| Noninterest expense to average assets | 2.2025% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5334% | 800 |
| Return on assets (ROA) | 1.5601% | 802 |
| Pretax return on assets | 1.6311% | 1,224 |
| Return on Equity (ROE) | 17.0667% | 433 |
| Retained earnings to average equity (ytd only) | -2.3549% | 5,418 |
| Net charge-offs to loans | 0.0023% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,445.0000% | 27 |
| Efficiency ratio | 57.8717% | 5,012 |
| Assets per employee ($millions) | 4.7537% | 2,667 |
| Cash dividends to net income (ytd only)* | 113.7980% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1636% | 6,048 |
| Loan loss allowance to noncurrent loans | 26.5403% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,387 |
| Noncurrent loans to loans | 0.6164% | 3,324 |
| Net loans and leases to total assets | 47.9245% | 4,975 |
| Net loans and leases to deposits | 53.0756% | 5,160 |
| Net loans and leases to core deposits | 54.7420% | 5,198 |
| Total domestic deposits to total assets | 90.2949% | 496 |
| Equity capital to assets | 9.3730% | 4,808 |
| Core capital (leverage) ratio | 9.4114% | 4,336 |
| Tier 1 risk-based capital ratio | 15.7579% | 2,804 |
| Total risk-based capital ratio | 15.8885% | 3,259 |
| Memoranda: | ||
| Average total assets | $360,495,500 | 1,861 |
| Average earning assets | $333,930,000 | 1,860 |
| Average equity | $32,953,000 | 2,197 |
| Average total loans | $172,688,000 | 2,380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 4,940 |
| Cost of funding earning assets | 0.2196% | 5,096 |
| Net interest margin | 3.2731% | 4,403 |
| Noninterest income to average assets | 0.7140% | 2,134 |
| Noninterest expense to average assets | 2.1454% | 5,160 |
| Loan and lease loss provision to assets | 0.0222% | 3,940 |
| Net operating income to assets | 1.5203% | 829 |
| Return on assets (ROA) | 1.5354% | 834 |
| Pretax return on assets | 1.6020% | 1,240 |
| Return on Equity (ROE) | 17.3664% | 424 |
| Retained earnings to average equity (ytd only) | 4.1839% | 3,009 |
| Net charge-offs to loans | 0.0247% | 3,750 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 144.9000% | 432 |
| Efficiency ratio | 57.1524% | 5,242 |
| Assets per employee ($millions) | 4.7956% | 2,612 |
| Cash dividends to net income (ytd only)* | 75.9082% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1613% | 6,099 |
| Loan loss allowance to noncurrent loans | 31.1876% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,604 |
| Noncurrent loans to loans | 0.5171% | 3,624 |
| Net loans and leases to total assets | 47.7279% | 5,038 |
| Net loans and leases to deposits | 52.5554% | 5,259 |
| Net loans and leases to core deposits | 55.0211% | 5,256 |
| Total domestic deposits to total assets | 90.8145% | 330 |
| Equity capital to assets | 8.9141% | 5,205 |
| Core capital (leverage) ratio | 9.3550% | 4,390 |
| Tier 1 risk-based capital ratio | 15.5738% | 2,895 |
| Total risk-based capital ratio | 15.7025% | 3,376 |
| Memoranda: | ||
| Average total assets | $360,353,200 | 1,826 |
| Average earning assets | $334,665,400 | 1,813 |
| Average equity | $31,860,400 | 2,210 |
| Average total loans | $162,121,600 | 2,441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 5,054 |
| Cost of funding earning assets | 0.2204% | 5,179 |
| Net interest margin | 3.2474% | 4,537 |
| Noninterest income to average assets | 0.6850% | 2,302 |
| Noninterest expense to average assets | 2.0438% | 5,391 |
| Loan and lease loss provision to assets | 0.0297% | 3,642 |
| Net operating income to assets | 1.5593% | 832 |
| Return on assets (ROA) | 1.5796% | 846 |
| Pretax return on assets | 1.6508% | 1,237 |
| Return on Equity (ROE) | 17.9031% | 404 |
| Retained earnings to average equity (ytd only) | 4.4453% | 3,300 |
| Net charge-offs to loans | 0.0243% | 3,450 |
| Credit loss provision to net charge-offs | 275.8621% | 1,048 |
| Earnings coverage of net charge-offs (x) | 154.1898% | 454 |
| Efficiency ratio | 55.1904% | 5,433 |
| Assets per employee ($millions) | 4.5965% | 2,839 |
| Cash dividends to net income (ytd only)* | 75.1703% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1761% | 6,181 |
| Loan loss allowance to noncurrent loans | 62.3932% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 5,216 |
| Noncurrent loans to loans | 0.2822% | 4,571 |
| Net loans and leases to total assets | 47.3846% | 5,123 |
| Net loans and leases to deposits | 52.4403% | 5,348 |
| Net loans and leases to core deposits | 54.3739% | 5,383 |
| Total domestic deposits to total assets | 90.3592% | 443 |
| Equity capital to assets | 9.2510% | 5,056 |
| Core capital (leverage) ratio | 9.4442% | 4,375 |
| Tier 1 risk-based capital ratio | 15.7161% | 2,940 |
| Total risk-based capital ratio | 15.8522% | 3,423 |
| Memoranda: | ||
| Average total assets | $359,325,000 | 1,836 |
| Average earning assets | $333,966,000 | 1,831 |
| Average equity | $31,703,250 | 2,233 |
| Average total loans | $159,093,750 | 2,489 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,237 |
| Cost of funding earning assets | 0.2163% | 5,295 |
| Net interest margin | 3.1804% | 4,718 |
| Noninterest income to average assets | 0.6546% | 2,454 |
| Noninterest expense to average assets | 2.0598% | 5,418 |
| Loan and lease loss provision to assets | 0.0303% | 3,520 |
| Net operating income to assets | 1.4590% | 971 |
| Return on assets (ROA) | 1.4791% | 982 |
| Pretax return on assets | 1.5458% | 1,503 |
| Return on Equity (ROE) | 17.0293% | 483 |
| Retained earnings to average equity (ytd only) | 3.0604% | 4,095 |
| Net charge-offs to loans | 0.0140% | 3,441 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 256.3636% | 268 |
| Efficiency ratio | 56.9794% | 5,337 |
| Assets per employee ($millions) | 4.8436% | 2,482 |
| Cash dividends to net income (ytd only)* | 82.0283% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1741% | 6,250 |
| Loan loss allowance to noncurrent loans | 54.5977% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 5,283 |
| Noncurrent loans to loans | 0.3189% | 4,553 |
| Net loans and leases to total assets | 45.5960% | 5,281 |
| Net loans and leases to deposits | 50.1374% | 5,500 |
| Net loans and leases to core deposits | 51.9426% | 5,538 |
| Total domestic deposits to total assets | 90.9420% | 308 |
| Equity capital to assets | 8.7377% | 5,495 |
| Core capital (leverage) ratio | 9.0994% | 4,817 |
| Tier 1 risk-based capital ratio | 15.2031% | 3,248 |
| Total risk-based capital ratio | 15.3338% | 3,805 |
| Memoranda: | ||
| Average total assets | $362,654,330 | 1,825 |
| Average earning assets | $337,568,670 | 1,819 |
| Average equity | $31,498,670 | 2,246 |
| Average total loans | $156,850,330 | 2,527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,310 |
| Cost of funding earning assets | 0.2124% | 5,394 |
| Net interest margin | 3.1442% | 4,805 |
| Noninterest income to average assets | 0.7194% | 2,072 |
| Noninterest expense to average assets | 2.0703% | 5,446 |
| Loan and lease loss provision to assets | 0.0329% | 3,231 |
| Net operating income to assets | 1.4699% | 905 |
| Return on assets (ROA) | 1.5078% | 886 |
| Pretax return on assets | 1.5769% | 1,327 |
| Return on Equity (ROE) | 17.4111% | 439 |
| Retained earnings to average equity (ytd only) | 2.2160% | 4,576 |
| Net charge-offs to loans | 0.0678% | 2,056 |
| Credit loss provision to net charge-offs | 115.3846% | 1,478 |
| Earnings coverage of net charge-offs (x) | 55.0769% | 783 |
| Efficiency ratio | 56.8675% | 5,451 |
| Assets per employee ($millions) | 4.8868% | 2,506 |
| Cash dividends to net income (ytd only)* | 87.2727% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1615% | 6,330 |
| Loan loss allowance to noncurrent loans | 49.8982% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 5,413 |
| Noncurrent loans to loans | 0.3237% | 4,630 |
| Net loans and leases to total assets | 41.8810% | 5,497 |
| Net loans and leases to deposits | 46.0929% | 5,653 |
| Net loans and leases to core deposits | 47.6685% | 5,682 |
| Total domestic deposits to total assets | 90.8621% | 414 |
| Equity capital to assets | 8.8597% | 5,434 |
| Core capital (leverage) ratio | 9.0672% | 4,876 |
| Tier 1 risk-based capital ratio | 14.7737% | 3,561 |
| Total risk-based capital ratio | 14.8839% | 4,168 |
| Memoranda: | ||
| Average total assets | $364,769,500 | 1,822 |
| Average earning assets | $338,905,500 | 1,812 |
| Average equity | $31,589,000 | 2,252 |
| Average total loans | $153,419,500 | 2,574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2049% | 5,833 |
| Cost of funding earning assets | 0.2433% | 5,394 |
| Net interest margin | 2.9616% | 5,528 |
| Noninterest income to average assets | 0.6995% | 2,306 |
| Noninterest expense to average assets | 2.1211% | 5,524 |
| Loan and lease loss provision to assets | -0.0043% | 5,896 |
| Net operating income to assets | 1.2655% | 1,386 |
| Return on assets (ROA) | 1.3002% | 1,358 |
| Pretax return on assets | 1.3493% | 2,080 |
| Return on Equity (ROE) | 15.4420% | 707 |
| Retained earnings to average equity (ytd only) | 6.8593% | 1,467 |
| Net charge-offs to loans | -0.0475% | 5,921 |
| Credit loss provision to net charge-offs | 23.4375% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8406% | 4,935 |
| Assets per employee ($millions) | 5.0399% | 2,269 |
| Cash dividends to net income (ytd only)* | 55.5803% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1553% | 6,425 |
| Loan loss allowance to noncurrent loans | 42.0593% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 5,400 |
| Noncurrent loans to loans | 0.3693% | 4,549 |
| Net loans and leases to total assets | 42.1025% | 5,609 |
| Net loans and leases to deposits | 46.0959% | 5,791 |
| Net loans and leases to core deposits | 49.2871% | 5,745 |
| Total domestic deposits to total assets | 91.3368% | 263 |
| Equity capital to assets | 8.4637% | 5,781 |
| Core capital (leverage) ratio | 9.0959% | 4,830 |
| Tier 1 risk-based capital ratio | 14.6133% | 3,714 |
| Total risk-based capital ratio | 14.7211% | 4,370 |
| Memoranda: | ||
| Average total assets | $345,957,200 | 1,882 |
| Average earning assets | $318,949,000 | 1,878 |
| Average equity | $29,128,400 | 2,334 |
| Average total loans | $134,602,800 | 2,778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1471% | 5,959 |
| Cost of funding earning assets | 0.2463% | 5,443 |
| Net interest margin | 2.9008% | 5,699 |
| Noninterest income to average assets | 0.7116% | 2,272 |
| Noninterest expense to average assets | 2.1213% | 5,528 |
| Loan and lease loss provision to assets | 0.0235% | 3,938 |
| Net operating income to assets | 1.1837% | 1,742 |
| Return on assets (ROA) | 1.2281% | 1,647 |
| Pretax return on assets | 1.2829% | 2,443 |
| Return on Equity (ROE) | 14.6065% | 889 |
| Retained earnings to average equity (ytd only) | 7.6200% | 1,524 |
| Net charge-offs to loans | 0.0185% | 4,162 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 178.7733% | 355 |
| Efficiency ratio | 62.7331% | 4,775 |
| Assets per employee ($millions) | 4.6601% | 2,719 |
| Cash dividends to net income (ytd only)* | 47.8316% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1715% | 6,502 |
| Loan loss allowance to noncurrent loans | 43.0147% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 5,543 |
| Noncurrent loans to loans | 0.3986% | 4,714 |
| Net loans and leases to total assets | 40.0477% | 5,811 |
| Net loans and leases to deposits | 43.9714% | 5,972 |
| Net loans and leases to core deposits | 45.6556% | 5,966 |
| Total domestic deposits to total assets | 91.0769% | 342 |
| Equity capital to assets | 8.6168% | 5,708 |
| Core capital (leverage) ratio | 9.3250% | 4,606 |
| Tier 1 risk-based capital ratio | 15.6000% | 3,261 |
| Total risk-based capital ratio | 15.7130% | 3,849 |
| Memoranda: | ||
| Average total assets | $340,468,000 | 1,920 |
| Average earning assets | $313,378,500 | 1,921 |
| Average equity | $28,625,750 | 2,380 |
| Average total loans | $129,468,000 | 2,879 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0011% | 6,178 |
| Cost of funding earning assets | 0.2463% | 5,522 |
| Net interest margin | 2.7548% | 5,982 |
| Noninterest income to average assets | 0.6677% | 2,441 |
| Noninterest expense to average assets | 2.0942% | 5,637 |
| Loan and lease loss provision to assets | 0.0059% | 4,118 |
| Net operating income to assets | 1.0481% | 2,125 |
| Return on assets (ROA) | 1.1146% | 1,954 |
| Pretax return on assets | 1.1657% | 2,816 |
| Return on Equity (ROE) | 13.3678% | 1,080 |
| Retained earnings to average equity (ytd only) | 9.1419% | 943 |
| Net charge-offs to loans | 0.0220% | 3,769 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 134.0714% | 451 |
| Efficiency ratio | 65.5153% | 4,440 |
| Assets per employee ($millions) | 4.6972% | 2,614 |
| Cash dividends to net income (ytd only)* | 31.6122% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1411% | 6,581 |
| Loan loss allowance to noncurrent loans | 28.9676% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 5,560 |
| Noncurrent loans to loans | 0.4872% | 4,536 |
| Net loans and leases to total assets | 38.7929% | 5,905 |
| Net loans and leases to deposits | 42.5186% | 6,048 |
| Net loans and leases to core deposits | 44.0536% | 6,063 |
| Total domestic deposits to total assets | 91.2376% | 330 |
| Equity capital to assets | 8.4941% | 5,806 |
| Core capital (leverage) ratio | 9.4178% | 4,447 |
| Tier 1 risk-based capital ratio | 16.3992% | 2,877 |
| Total risk-based capital ratio | 16.4957% | 3,445 |
| Memoranda: | ||
| Average total assets | $340,562,670 | 1,913 |
| Average earning assets | $312,620,670 | 1,924 |
| Average equity | $28,396,670 | 2,384 |
| Average total loans | $127,134,000 | 2,922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8471% | 6,362 |
| Cost of funding earning assets | 0.2450% | 5,632 |
| Net interest margin | 2.6021% | 6,239 |
| Noninterest income to average assets | 0.7107% | 2,121 |
| Noninterest expense to average assets | 2.1509% | 5,574 |
| Loan and lease loss provision to assets | -0.0295% | 6,433 |
| Net operating income to assets | 0.9253% | 2,524 |
| Return on assets (ROA) | 0.9570% | 2,448 |
| Pretax return on assets | 1.0006% | 3,314 |
| Return on Equity (ROE) | 11.5868% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.5868% | 665 |
| Net charge-offs to loans | -0.0064% | 4,886 |
| Credit loss provision to net charge-offs | 1,250.0000% | 258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6299% | 3,891 |
| Assets per employee ($millions) | 4.5403% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1429% | 6,650 |
| Loan loss allowance to noncurrent loans | 25.8806% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 5,647 |
| Noncurrent loans to loans | 0.5522% | 4,508 |
| Net loans and leases to total assets | 34.6796% | 6,142 |
| Net loans and leases to deposits | 37.9189% | 6,251 |
| Net loans and leases to core deposits | 39.2414% | 6,265 |
| Total domestic deposits to total assets | 91.4573% | 392 |
| Equity capital to assets | 8.3207% | 5,809 |
| Core capital (leverage) ratio | 9.4235% | 4,384 |
| Tier 1 risk-based capital ratio | 16.5837% | 2,853 |
| Total risk-based capital ratio | 16.6727% | 3,437 |
| Memoranda: | ||
| Average total assets | $339,396,500 | 1,932 |
| Average earning assets | $310,213,500 | 1,948 |
| Average equity | $28,032,000 | 2,406 |
| Average total loans | $124,097,500 | 2,987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 5,875 |
| Cost of funding earning assets | 0.3250% | 5,378 |
| Net interest margin | 3.0565% | 5,439 |
| Noninterest income to average assets | 0.7857% | 2,138 |
| Noninterest expense to average assets | 2.2047% | 5,616 |
| Loan and lease loss provision to assets | -0.0015% | 6,245 |
| Net operating income to assets | 1.2705% | 1,332 |
| Return on assets (ROA) | -0.0356% | 6,282 |
| Pretax return on assets | -0.0392% | 6,257 |
| Return on Equity (ROE) | -0.4204% | 6,290 |
| Retained earnings to average equity (ytd only) | -5.2301% | 6,385 |
| Net charge-offs to loans | -0.0111% | 6,032 |
| Credit loss provision to net charge-offs | 38.4615% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2539% | 5,320 |
| Assets per employee ($millions) | 4.4509% | 2,988 |
| Cash dividends to net income (ytd only)* | -1,144.0678% | 6,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1478% | 6,722 |
| Loan loss allowance to noncurrent loans | 36.7816% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,854 |
| Noncurrent loans to loans | 0.4017% | 5,001 |
| Net loans and leases to total assets | 38.3546% | 6,064 |
| Net loans and leases to deposits | 41.8476% | 6,235 |
| Net loans and leases to core deposits | 44.2891% | 6,211 |
| Total domestic deposits to total assets | 91.6530% | 364 |
| Equity capital to assets | 8.1977% | 5,874 |
| Core capital (leverage) ratio | 9.1800% | 4,748 |
| Tier 1 risk-based capital ratio | 15.1315% | 3,590 |
| Total risk-based capital ratio | 15.2262% | 4,252 |
| Memoranda: | ||
| Average total assets | $331,926,800 | 1,942 |
| Average earning assets | $305,541,000 | 1,940 |
| Average equity | $28,068,200 | 2,376 |
| Average total loans | $117,019,200 | 3,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 5,735 |
| Cost of funding earning assets | 0.3402% | 5,378 |
| Net interest margin | 3.1386% | 5,206 |
| Noninterest income to average assets | 0.7535% | 2,353 |
| Noninterest expense to average assets | 2.2158% | 5,566 |
| Loan and lease loss provision to assets | -0.0020% | 6,447 |
| Net operating income to assets | 1.3697% | 1,173 |
| Return on assets (ROA) | 1.3953% | 1,161 |
| Pretax return on assets | 1.4599% | 1,723 |
| Return on Equity (ROE) | 16.3722% | 595 |
| Retained earnings to average equity (ytd only) | 3.3483% | 4,297 |
| Net charge-offs to loans | -0.0047% | 5,776 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7570% | 5,314 |
| Assets per employee ($millions) | 4.1571% | 3,511 |
| Cash dividends to net income (ytd only)* | 79.5488% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1525% | 6,804 |
| Loan loss allowance to noncurrent loans | 30.1980% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 5,612 |
| Noncurrent loans to loans | 0.5051% | 4,935 |
| Net loans and leases to total assets | 37.4233% | 6,203 |
| Net loans and leases to deposits | 40.8098% | 6,359 |
| Net loans and leases to core deposits | 42.8044% | 6,362 |
| Total domestic deposits to total assets | 91.7017% | 314 |
| Equity capital to assets | 7.9981% | 6,158 |
| Core capital (leverage) ratio | 8.6074% | 5,649 |
| Tier 1 risk-based capital ratio | 14.0246% | 4,413 |
| Total risk-based capital ratio | 14.1179% | 5,153 |
| Memoranda: | ||
| Average total assets | $330,341,750 | 1,962 |
| Average earning assets | $304,541,750 | 1,957 |
| Average equity | $28,152,750 | 2,396 |
| Average total loans | $113,790,750 | 3,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 5,975 |
| Cost of funding earning assets | 0.3585% | 5,328 |
| Net interest margin | 3.0090% | 5,550 |
| Noninterest income to average assets | 0.6789% | 2,746 |
| Noninterest expense to average assets | 2.1896% | 5,657 |
| Loan and lease loss provision to assets | -0.0180% | 6,592 |
| Net operating income to assets | 1.2315% | 1,510 |
| Return on assets (ROA) | 1.2326% | 1,610 |
| Pretax return on assets | 1.2896% | 2,339 |
| Return on Equity (ROE) | 14.1847% | 970 |
| Retained earnings to average equity (ytd only) | 0.3931% | 5,739 |
| Net charge-offs to loans | -0.0251% | 6,047 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2837% | 4,966 |
| Assets per employee ($millions) | 4.2170% | 3,320 |
| Cash dividends to net income (ytd only)* | 97.2290% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1453% | 6,854 |
| Loan loss allowance to noncurrent loans | 13.7143% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 5,348 |
| Noncurrent loans to loans | 1.0593% | 3,815 |
| Net loans and leases to total assets | 35.5620% | 6,324 |
| Net loans and leases to deposits | 38.8266% | 6,455 |
| Net loans and leases to core deposits | 40.7988% | 6,437 |
| Total domestic deposits to total assets | 91.5918% | 348 |
| Equity capital to assets | 8.1569% | 6,090 |
| Core capital (leverage) ratio | 8.5622% | 5,592 |
| Tier 1 risk-based capital ratio | 14.4011% | 4,161 |
| Total risk-based capital ratio | 14.4870% | 4,910 |
| Memoranda: | ||
| Average total assets | $333,755,670 | 1,943 |
| Average earning assets | $308,470,670 | 1,944 |
| Average equity | $29,003,000 | 2,343 |
| Average total loans | $111,729,330 | 3,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 6,130 |
| Cost of funding earning assets | 0.3920% | 5,184 |
| Net interest margin | 2.9217% | 5,767 |
| Noninterest income to average assets | 0.7189% | 2,488 |
| Noninterest expense to average assets | 2.1970% | 5,695 |
| Loan and lease loss provision to assets | -0.0591% | 6,797 |
| Net operating income to assets | 1.2203% | 1,477 |
| Return on assets (ROA) | 1.2203% | 1,585 |
| Pretax return on assets | 1.2782% | 2,305 |
| Return on Equity (ROE) | 13.6411% | 1,025 |
| Retained earnings to average equity (ytd only) | -2.8815% | 6,178 |
| Net charge-offs to loans | -0.1093% | 6,480 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3129% | 4,959 |
| Assets per employee ($millions) | 4.3920% | 3,165 |
| Cash dividends to net income (ytd only)* | 121.1240% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1539% | 6,924 |
| Loan loss allowance to noncurrent loans | 18.3036% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 5,758 |
| Noncurrent loans to loans | 0.8410% | 4,436 |
| Net loans and leases to total assets | 31.8673% | 6,519 |
| Net loans and leases to deposits | 36.2871% | 6,562 |
| Net loans and leases to core deposits | 37.8745% | 6,564 |
| Total domestic deposits to total assets | 87.8197% | 2,443 |
| Equity capital to assets | 8.9687% | 5,523 |
| Core capital (leverage) ratio | 8.7840% | 5,213 |
| Tier 1 risk-based capital ratio | 15.4071% | 3,590 |
| Total risk-based capital ratio | 15.4923% | 4,299 |
| Memoranda: | ||
| Average total assets | $338,280,500 | 1,943 |
| Average earning assets | $312,282,000 | 1,943 |
| Average equity | $30,261,500 | 2,277 |
| Average total loans | $109,774,000 | 3,288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 6,296 |
| Cost of funding earning assets | 0.4419% | 5,641 |
| Net interest margin | 3.1071% | 5,796 |
| Noninterest income to average assets | 0.7153% | 2,637 |
| Noninterest expense to average assets | 2.2271% | 5,862 |
| Loan and lease loss provision to assets | 0.0015% | 5,893 |
| Net operating income to assets | 1.3286% | 1,238 |
| Return on assets (ROA) | 1.4854% | 1,045 |
| Pretax return on assets | 1.5480% | 1,525 |
| Return on Equity (ROE) | 15.3901% | 746 |
| Retained earnings to average equity (ytd only) | -1.6280% | 6,108 |
| Net charge-offs to loans | 0.0075% | 5,845 |
| Credit loss provision to net charge-offs | 62.5000% | 4,383 |
| Earnings coverage of net charge-offs (x) | 559.1250% | 73 |
| Efficiency ratio | 61.6348% | 5,295 |
| Assets per employee ($millions) | 4.5101% | 2,938 |
| Cash dividends to net income (ytd only)* | 110.5779% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1628% | 6,972 |
| Loan loss allowance to noncurrent loans | 29.2994% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 6,101 |
| Noncurrent loans to loans | 0.5557% | 5,138 |
| Net loans and leases to total assets | 32.9171% | 6,595 |
| Net loans and leases to deposits | 37.4008% | 6,655 |
| Net loans and leases to core deposits | 39.7782% | 6,625 |
| Total domestic deposits to total assets | 88.0117% | 2,230 |
| Equity capital to assets | 8.9233% | 5,609 |
| Core capital (leverage) ratio | 9.1464% | 4,664 |
| Tier 1 risk-based capital ratio | 15.1409% | 3,644 |
| Total risk-based capital ratio | 15.2323% | 4,358 |
| Memoranda: | ||
| Average total assets | $322,668,000 | 1,995 |
| Average earning assets | $300,952,000 | 1,962 |
| Average equity | $31,143,400 | 2,191 |
| Average total loans | $106,860,200 | 3,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 6,363 |
| Cost of funding earning assets | 0.4524% | 5,773 |
| Net interest margin | 3.1708% | 5,766 |
| Noninterest income to average assets | 0.7039% | 2,699 |
| Noninterest expense to average assets | 2.1940% | 5,967 |
| Loan and lease loss provision to assets | 0.0084% | 5,703 |
| Net operating income to assets | 1.4089% | 1,204 |
| Return on assets (ROA) | 1.6253% | 880 |
| Pretax return on assets | 1.6983% | 1,274 |
| Return on Equity (ROE) | 16.5028% | 670 |
| Retained earnings to average equity (ytd only) | 0.7331% | 5,860 |
| Net charge-offs to loans | 0.0063% | 5,651 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 705.4303% | 55 |
| Efficiency ratio | 59.6962% | 5,548 |
| Assets per employee ($millions) | 4.3848% | 3,097 |
| Cash dividends to net income (ytd only)* | 95.5578% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1879% | 7,080 |
| Loan loss allowance to noncurrent loans | 23.1917% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 6,020 |
| Noncurrent loans to loans | 0.8102% | 4,790 |
| Net loans and leases to total assets | 33.5212% | 6,678 |
| Net loans and leases to deposits | 38.6409% | 6,732 |
| Net loans and leases to core deposits | 40.3787% | 6,727 |
| Total domestic deposits to total assets | 86.7506% | 2,825 |
| Equity capital to assets | 9.8750% | 4,676 |
| Core capital (leverage) ratio | 10.0035% | 3,538 |
| Tier 1 risk-based capital ratio | 16.6955% | 2,899 |
| Total risk-based capital ratio | 16.8015% | 3,466 |
| Memoranda: | ||
| Average total assets | $317,643,250 | 2,045 |
| Average earning assets | $297,670,500 | 2,005 |
| Average equity | $31,282,750 | 2,200 |
| Average total loans | $105,322,000 | 3,422 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 6,407 |
| Cost of funding earning assets | 0.4621% | 5,893 |
| Net interest margin | 3.1942% | 5,758 |
| Noninterest income to average assets | 0.6975% | 2,688 |
| Noninterest expense to average assets | 2.2100% | 5,974 |
| Loan and lease loss provision to assets | 0.0126% | 5,509 |
| Net operating income to assets | 1.4040% | 1,188 |
| Return on assets (ROA) | 1.7397% | 699 |
| Pretax return on assets | 1.8180% | 1,005 |
| Return on Equity (ROE) | 17.6814% | 543 |
| Retained earnings to average equity (ytd only) | 2.9255% | 4,686 |
| Net charge-offs to loans | 0.0363% | 4,874 |
| Credit loss provision to net charge-offs | 105.2632% | 2,581 |
| Earnings coverage of net charge-offs (x) | 123.4737% | 358 |
| Efficiency ratio | 59.8769% | 5,593 |
| Assets per employee ($millions) | 4.2198% | 3,422 |
| Cash dividends to net income (ytd only)* | 83.4543% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1755% | 7,154 |
| Loan loss allowance to noncurrent loans | 18.8755% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,986 |
| Noncurrent loans to loans | 0.9295% | 4,648 |
| Net loans and leases to total assets | 33.3533% | 6,756 |
| Net loans and leases to deposits | 38.4069% | 6,787 |
| Net loans and leases to core deposits | 40.1352% | 6,802 |
| Total domestic deposits to total assets | 86.8420% | 2,867 |
| Equity capital to assets | 9.8100% | 4,608 |
| Core capital (leverage) ratio | 10.0312% | 3,382 |
| Tier 1 risk-based capital ratio | 17.4231% | 2,500 |
| Total risk-based capital ratio | 17.5243% | 2,990 |
| Memoranda: | ||
| Average total assets | $316,827,670 | 2,048 |
| Average earning assets | $296,915,330 | 2,004 |
| Average equity | $31,174,000 | 2,194 |
| Average total loans | $104,596,000 | 3,464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 6,349 |
| Cost of funding earning assets | 0.4747% | 5,984 |
| Net interest margin | 3.2763% | 5,551 |
| Noninterest income to average assets | 0.7571% | 2,364 |
| Noninterest expense to average assets | 2.3551% | 5,613 |
| Loan and lease loss provision to assets | -0.0508% | 7,143 |
| Net operating income to assets | 1.4453% | 1,130 |
| Return on assets (ROA) | 1.9880% | 489 |
| Pretax return on assets | 2.0782% | 657 |
| Return on Equity (ROE) | 20.1737% | 380 |
| Retained earnings to average equity (ytd only) | 3.4160% | 4,520 |
| Net charge-offs to loans | 0.0890% | 3,625 |
| Credit loss provision to net charge-offs | -173.9130% | 5,568 |
| Earnings coverage of net charge-offs (x) | 50.0435% | 633 |
| Efficiency ratio | 61.6972% | 5,330 |
| Assets per employee ($millions) | 4.2538% | 3,483 |
| Cash dividends to net income (ytd only)* | 83.0671% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1273% | 7,216 |
| Loan loss allowance to noncurrent loans | 9.4946% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 5,836 |
| Noncurrent loans to loans | 1.3409% | 4,106 |
| Net loans and leases to total assets | 30.4897% | 6,888 |
| Net loans and leases to deposits | 35.1382% | 6,915 |
| Net loans and leases to core deposits | 36.8456% | 6,914 |
| Total domestic deposits to total assets | 86.7709% | 3,084 |
| Equity capital to assets | 9.8909% | 4,267 |
| Core capital (leverage) ratio | 10.4785% | 2,776 |
| Tier 1 risk-based capital ratio | 17.8110% | 2,353 |
| Total risk-based capital ratio | 17.8786% | 2,810 |
| Memoranda: | ||
| Average total assets | $314,890,000 | 2,060 |
| Average earning assets | $294,108,000 | 2,022 |
| Average equity | $31,030,500 | 2,203 |
| Average total loans | $103,317,500 | 3,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 6,427 |
| Cost of funding earning assets | 0.6657% | 5,738 |
| Net interest margin | 3.3477% | 5,656 |
| Noninterest income to average assets | 0.7055% | 2,572 |
| Noninterest expense to average assets | 2.2977% | 6,042 |
| Loan and lease loss provision to assets | 0.0200% | 6,317 |
| Net operating income to assets | 1.4635% | 897 |
| Return on assets (ROA) | 1.6119% | 704 |
| Pretax return on assets | 1.6756% | 1,047 |
| Return on Equity (ROE) | 15.7776% | 636 |
| Retained earnings to average equity (ytd only) | 1.0780% | 5,354 |
| Net charge-offs to loans | 0.0225% | 6,128 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 192.4167% | 178 |
| Efficiency ratio | 59.1411% | 5,878 |
| Assets per employee ($millions) | 4.1433% | 3,565 |
| Cash dividends to net income (ytd only)* | 93.1677% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1712% | 7,262 |
| Loan loss allowance to noncurrent loans | 12.9322% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 5,739 |
| Noncurrent loans to loans | 1.3237% | 4,166 |
| Net loans and leases to total assets | 35.0934% | 6,813 |
| Net loans and leases to deposits | 40.4301% | 6,861 |
| Net loans and leases to core deposits | 43.0416% | 6,853 |
| Total domestic deposits to total assets | 86.8002% | 2,876 |
| Equity capital to assets | 9.8170% | 4,421 |
| Core capital (leverage) ratio | 10.5389% | 2,676 |
| Tier 1 risk-based capital ratio | 12.4206% | 5,516 |
| Total risk-based capital ratio | 12.4925% | 6,297 |
| Memoranda: | ||
| Average total assets | $299,650,600 | 2,135 |
| Average earning assets | $280,459,200 | 2,095 |
| Average equity | $30,613,000 | 2,148 |
| Average total loans | $106,869,600 | 3,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 6,528 |
| Cost of funding earning assets | 0.7167% | 5,668 |
| Net interest margin | 3.3209% | 5,803 |
| Noninterest income to average assets | 0.6768% | 2,733 |
| Noninterest expense to average assets | 2.2298% | 6,214 |
| Loan and lease loss provision to assets | 0.0269% | 6,105 |
| Net operating income to assets | 1.4643% | 1,019 |
| Return on assets (ROA) | 1.6640% | 750 |
| Pretax return on assets | 1.7390% | 1,065 |
| Return on Equity (ROE) | 16.1225% | 664 |
| Retained earnings to average equity (ytd only) | 3.9382% | 3,921 |
| Net charge-offs to loans | 0.0276% | 5,764 |
| Credit loss provision to net charge-offs | 272.7273% | 1,049 |
| Earnings coverage of net charge-offs (x) | 157.6959% | 246 |
| Efficiency ratio | 58.1456% | 5,985 |
| Assets per employee ($millions) | 3.8555% | 4,181 |
| Cash dividends to net income (ytd only)* | 75.5735% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1807% | 7,335 |
| Loan loss allowance to noncurrent loans | 9.9894% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 5,483 |
| Noncurrent loans to loans | 1.8090% | 3,627 |
| Net loans and leases to total assets | 35.1660% | 6,905 |
| Net loans and leases to deposits | 41.0755% | 6,943 |
| Net loans and leases to core deposits | 43.1448% | 6,946 |
| Total domestic deposits to total assets | 85.6130% | 3,435 |
| Equity capital to assets | 10.7309% | 3,440 |
| Core capital (leverage) ratio | 11.1625% | 2,273 |
| Tier 1 risk-based capital ratio | 16.7548% | 2,736 |
| Total risk-based capital ratio | 16.8503% | 3,294 |
| Memoranda: | ||
| Average total assets | $296,876,250 | 2,159 |
| Average earning assets | $278,111,250 | 2,117 |
| Average equity | $30,639,750 | 2,160 |
| Average total loans | $106,277,250 | 3,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 6,787 |
| Cost of funding earning assets | 0.7457% | 5,696 |
| Net interest margin | 3.1674% | 6,246 |
| Noninterest income to average assets | 0.6824% | 2,640 |
| Noninterest expense to average assets | 2.2939% | 6,149 |
| Loan and lease loss provision to assets | 0.0168% | 6,073 |
| Net operating income to assets | 1.2864% | 1,353 |
| Return on assets (ROA) | 1.3103% | 1,361 |
| Pretax return on assets | 1.3696% | 1,895 |
| Return on Equity (ROE) | 12.8663% | 1,229 |
| Retained earnings to average equity (ytd only) | 0.9592% | 5,483 |
| Net charge-offs to loans | 0.0225% | 5,524 |
| Credit loss provision to net charge-offs | 208.3333% | 1,441 |
| Earnings coverage of net charge-offs (x) | 168.4167% | 212 |
| Efficiency ratio | 61.9978% | 5,587 |
| Assets per employee ($millions) | 3.9166% | 3,954 |
| Cash dividends to net income (ytd only)* | 92.5450% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1537% | 7,407 |
| Loan loss allowance to noncurrent loans | 7.1835% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 5,335 |
| Noncurrent loans to loans | 2.1399% | 3,299 |
| Net loans and leases to total assets | 35.3214% | 6,992 |
| Net loans and leases to deposits | 41.2308% | 7,025 |
| Net loans and leases to core deposits | 43.2932% | 7,031 |
| Total domestic deposits to total assets | 85.6676% | 3,509 |
| Equity capital to assets | 10.7331% | 3,249 |
| Core capital (leverage) ratio | 10.8917% | 2,344 |
| Tier 1 risk-based capital ratio | 17.3832% | 2,383 |
| Total risk-based capital ratio | 17.4711% | 2,840 |
| Memoranda: | ||
| Average total assets | $296,877,670 | 2,168 |
| Average earning assets | $278,648,330 | 2,115 |
| Average equity | $30,234,000 | 2,173 |
| Average total loans | $106,840,670 | 3,528 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 6,821 |
| Cost of funding earning assets | 0.7764% | 5,703 |
| Net interest margin | 3.1245% | 6,278 |
| Noninterest income to average assets | 0.6424% | 2,888 |
| Noninterest expense to average assets | 2.3197% | 6,140 |
| Loan and lease loss provision to assets | 0.0136% | 5,742 |
| Net operating income to assets | 1.1855% | 1,561 |
| Return on assets (ROA) | 1.1816% | 1,616 |
| Pretax return on assets | 1.2345% | 2,253 |
| Return on Equity (ROE) | 11.9315% | 1,478 |
| Retained earnings to average equity (ytd only) | -1.7829% | 6,114 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9430% | 5,196 |
| Assets per employee ($millions) | 3.9694% | 3,892 |
| Cash dividends to net income (ytd only)* | 114.9425% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1585% | 7,458 |
| Loan loss allowance to noncurrent loans | 13.9515% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 6,183 |
| Noncurrent loans to loans | 1.1363% | 4,806 |
| Net loans and leases to total assets | 34.0606% | 7,091 |
| Net loans and leases to deposits | 39.2925% | 7,126 |
| Net loans and leases to core deposits | 41.1779% | 7,128 |
| Total domestic deposits to total assets | 86.6846% | 3,126 |
| Equity capital to assets | 9.7277% | 4,143 |
| Core capital (leverage) ratio | 11.0026% | 2,190 |
| Tier 1 risk-based capital ratio | 18.3025% | 2,021 |
| Total risk-based capital ratio | 18.3943% | 2,396 |
| Memoranda: | ||
| Average total assets | $294,525,500 | 2,195 |
| Average earning assets | $276,139,000 | 2,146 |
| Average equity | $29,166,500 | 2,221 |
| Average total loans | $106,917,500 | 3,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 4,197 |
| Cost of funding earning assets | 1.1407% | 4,905 |
| Net interest margin | 3.9364% | 3,314 |
| Noninterest income to average assets | 0.7565% | 2,506 |
| Noninterest expense to average assets | 2.3864% | 6,120 |
| Loan and lease loss provision to assets | 0.0649% | 6,494 |
| Net operating income to assets | 1.8963% | 342 |
| Return on assets (ROA) | 1.9063% | 358 |
| Pretax return on assets | 1.9874% | 489 |
| Return on Equity (ROE) | 17.6695% | 406 |
| Retained earnings to average equity (ytd only) | 2.6359% | 4,016 |
| Net charge-offs to loans | 0.1339% | 5,573 |
| Credit loss provision to net charge-offs | 120.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | 37.7667% | 613 |
| Efficiency ratio | 53.2232% | 6,868 |
| Assets per employee ($millions) | 4.0464% | 3,687 |
| Cash dividends to net income (ytd only)* | 85.0822% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1345% | 7,545 |
| Loan loss allowance to noncurrent loans | 14.8330% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 6,294 |
| Noncurrent loans to loans | 0.9067% | 5,245 |
| Net loans and leases to total assets | 38.4845% | 7,052 |
| Net loans and leases to deposits | 44.6235% | 7,095 |
| Net loans and leases to core deposits | 48.0355% | 7,065 |
| Total domestic deposits to total assets | 86.2427% | 3,236 |
| Equity capital to assets | 10.0819% | 3,642 |
| Core capital (leverage) ratio | 11.0225% | 2,144 |
| Tier 1 risk-based capital ratio | 18.0526% | 1,983 |
| Total risk-based capital ratio | 18.1372% | 2,358 |
| Memoranda: | ||
| Average total assets | $277,447,800 | 2,305 |
| Average earning assets | $258,792,200 | 2,270 |
| Average equity | $29,933,000 | 2,181 |
| Average total loans | $112,065,000 | 3,494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 2,644 |
| Cost of funding earning assets | 1.2046% | 4,848 |
| Net interest margin | 4.2455% | 2,048 |
| Noninterest income to average assets | 0.7217% | 2,695 |
| Noninterest expense to average assets | 2.2873% | 6,365 |
| Loan and lease loss provision to assets | 0.0535% | 6,536 |
| Net operating income to assets | 2.2353% | 221 |
| Return on assets (ROA) | 2.2371% | 238 |
| Pretax return on assets | 2.3379% | 314 |
| Return on Equity (ROE) | 20.3810% | 292 |
| Retained earnings to average equity (ytd only) | 0.4301% | 5,625 |
| Net charge-offs to loans | 0.1321% | 5,239 |
| Credit loss provision to net charge-offs | 99.0991% | 4,400 |
| Earnings coverage of net charge-offs (x) | 44.2331% | 634 |
| Efficiency ratio | 48.2622% | 7,256 |
| Assets per employee ($millions) | 3.9581% | 3,925 |
| Cash dividends to net income (ytd only)* | 97.8899% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1070% | 7,666 |
| Loan loss allowance to noncurrent loans | 10.3359% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 6,280 |
| Noncurrent loans to loans | 1.0350% | 5,177 |
| Net loans and leases to total assets | 39.8722% | 7,082 |
| Net loans and leases to deposits | 47.0184% | 7,130 |
| Net loans and leases to core deposits | 49.5030% | 7,138 |
| Total domestic deposits to total assets | 84.8012% | 3,720 |
| Equity capital to assets | 11.2034% | 2,772 |
| Core capital (leverage) ratio | 10.7962% | 2,415 |
| Tier 1 risk-based capital ratio | 17.8233% | 2,069 |
| Total risk-based capital ratio | 17.8911% | 2,449 |
| Memoranda: | ||
| Average total assets | $273,974,000 | 2,357 |
| Average earning assets | $255,231,500 | 2,329 |
| Average equity | $30,073,000 | 2,190 |
| Average total loans | $112,013,000 | 3,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6631% | 1,899 |
| Cost of funding earning assets | 1.2518% | 4,814 |
| Net interest margin | 4.4113% | 1,417 |
| Noninterest income to average assets | 0.7017% | 2,690 |
| Noninterest expense to average assets | 2.3356% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3673% | 172 |
| Return on assets (ROA) | 2.3680% | 185 |
| Pretax return on assets | 2.4770% | 242 |
| Return on Equity (ROE) | 21.7278% | 222 |
| Retained earnings to average equity (ytd only) | 4.8374% | 2,991 |
| Net charge-offs to loans | -0.0304% | 7,352 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9112% | 7,351 |
| Assets per employee ($millions) | 3.9152% | 3,936 |
| Cash dividends to net income (ytd only)* | 77.7363% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1229% | 7,733 |
| Loan loss allowance to noncurrent loans | 7.6201% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,766 |
| Noncurrent loans to loans | 1.6132% | 4,292 |
| Net loans and leases to total assets | 40.3360% | 7,144 |
| Net loans and leases to deposits | 47.7624% | 7,175 |
| Net loans and leases to core deposits | 49.9639% | 7,209 |
| Total domestic deposits to total assets | 84.4514% | 3,895 |
| Equity capital to assets | 11.4131% | 2,512 |
| Core capital (leverage) ratio | 11.6566% | 1,834 |
| Tier 1 risk-based capital ratio | 19.6740% | 1,566 |
| Total risk-based capital ratio | 19.7586% | 1,799 |
| Memoranda: | ||
| Average total assets | $271,624,330 | 2,404 |
| Average earning assets | $253,075,330 | 2,366 |
| Average equity | $29,602,670 | 2,216 |
| Average total loans | $111,960,670 | 3,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 1,809 |
| Cost of funding earning assets | 1.2514% | 5,103 |
| Net interest margin | 4.4409% | 1,270 |
| Noninterest income to average assets | 0.6333% | 3,057 |
| Noninterest expense to average assets | 2.3185% | 6,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3335% | 196 |
| Return on assets (ROA) | 2.3349% | 221 |
| Pretax return on assets | 2.4407% | 272 |
| Return on Equity (ROE) | 21.9614% | 273 |
| Retained earnings to average equity (ytd only) | 7.9465% | 1,730 |
| Net charge-offs to loans | 0.0036% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1,637.0000% | 9 |
| Efficiency ratio | 48.1052% | 7,432 |
| Assets per employee ($millions) | 3.7533% | 4,422 |
| Cash dividends to net income (ytd only)* | 63.8162% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1110% | 7,840 |
| Loan loss allowance to noncurrent loans | 7.0922% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 5,904 |
| Noncurrent loans to loans | 1.5656% | 4,395 |
| Net loans and leases to total assets | 39.9471% | 7,254 |
| Net loans and leases to deposits | 46.9558% | 7,282 |
| Net loans and leases to core deposits | 49.1674% | 7,316 |
| Total domestic deposits to total assets | 85.0737% | 3,639 |
| Equity capital to assets | 10.8761% | 2,869 |
| Core capital (leverage) ratio | 12.0339% | 1,638 |
| Tier 1 risk-based capital ratio | 20.8252% | 1,370 |
| Total risk-based capital ratio | 20.9035% | 1,559 |
| Memoranda: | ||
| Average total assets | $268,446,500 | 2,487 |
| Average earning assets | $249,320,500 | 2,458 |
| Average equity | $28,541,000 | 2,330 |
| Average total loans | $111,809,000 | 3,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 3,497 |
| Cost of funding earning assets | 1.4421% | 5,756 |
| Net interest margin | 4.1782% | 2,140 |
| Noninterest income to average assets | 0.7965% | 2,418 |
| Noninterest expense to average assets | 2.5309% | 6,024 |
| Loan and lease loss provision to assets | 0.0256% | 7,256 |
| Net operating income to assets | 2.0589% | 200 |
| Return on assets (ROA) | 2.0734% | 214 |
| Pretax return on assets | 2.1644% | 300 |
| Return on Equity (ROE) | 19.0605% | 300 |
| Retained earnings to average equity (ytd only) | -0.5271% | 5,116 |
| Net charge-offs to loans | 0.0591% | 6,503 |
| Credit loss provision to net charge-offs | 97.0588% | 5,726 |
| Earnings coverage of net charge-offs (x) | 82.5588% | 330 |
| Efficiency ratio | 53.1078% | 7,313 |
| Assets per employee ($millions) | 3.7036% | 4,510 |
| Cash dividends to net income (ytd only)* | 102.7653% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1047% | 7,912 |
| Loan loss allowance to noncurrent loans | 22.2836% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,905 |
| Noncurrent loans to loans | 0.4699% | 6,316 |
| Net loans and leases to total assets | 43.2862% | 7,160 |
| Net loans and leases to deposits | 50.6024% | 7,223 |
| Net loans and leases to core deposits | 58.3959% | 7,327 |
| Total domestic deposits to total assets | 85.5418% | 3,268 |
| Equity capital to assets | 10.3845% | 3,305 |
| Core capital (leverage) ratio | 12.1421% | 1,604 |
| Tier 1 risk-based capital ratio | 20.0980% | 1,444 |
| Total risk-based capital ratio | 20.1755% | 1,636 |
| Memoranda: | ||
| Average total assets | $258,127,600 | 2,539 |
| Average earning assets | $241,518,000 | 2,488 |
| Average equity | $28,079,000 | 2,364 |
| Average total loans | $115,127,000 | 3,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 4,624 |
| Cost of funding earning assets | 1.4445% | 6,060 |
| Net interest margin | 4.0167% | 2,736 |
| Noninterest income to average assets | 0.7901% | 2,485 |
| Noninterest expense to average assets | 2.3703% | 6,506 |
| Loan and lease loss provision to assets | 0.0344% | 7,013 |
| Net operating income to assets | 2.0623% | 251 |
| Return on assets (ROA) | 2.0943% | 262 |
| Pretax return on assets | 2.1885% | 362 |
| Return on Equity (ROE) | 19.0275% | 362 |
| Retained earnings to average equity (ytd only) | 2.4654% | 3,952 |
| Net charge-offs to loans | 0.0742% | 5,948 |
| Credit loss provision to net charge-offs | 103.1250% | 4,937 |
| Earnings coverage of net charge-offs (x) | 65.6884% | 501 |
| Efficiency ratio | 51.2736% | 7,465 |
| Assets per employee ($millions) | 3.8705% | 4,018 |
| Cash dividends to net income (ytd only)* | 87.0430% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1084% | 8,000 |
| Loan loss allowance to noncurrent loans | 9.2387% | 7,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 6,215 |
| Noncurrent loans to loans | 1.1733% | 4,983 |
| Net loans and leases to total assets | 42.5171% | 7,332 |
| Net loans and leases to deposits | 54.2214% | 7,198 |
| Net loans and leases to core deposits | 62.3905% | 7,313 |
| Total domestic deposits to total assets | 78.4137% | 5,973 |
| Equity capital to assets | 10.8716% | 3,141 |
| Core capital (leverage) ratio | 12.3944% | 1,621 |
| Tier 1 risk-based capital ratio | 19.9345% | 1,573 |
| Total risk-based capital ratio | 20.0123% | 1,763 |
| Memoranda: | ||
| Average total assets | $255,995,000 | 2,563 |
| Average earning assets | $240,257,250 | 2,513 |
| Average equity | $28,176,000 | 2,379 |
| Average total loans | $115,022,000 | 3,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 6,584 |
| Cost of funding earning assets | 1.4663% | 6,273 |
| Net interest margin | 3.5932% | 4,391 |
| Noninterest income to average assets | 0.7984% | 2,420 |
| Noninterest expense to average assets | 2.4421% | 6,326 |
| Loan and lease loss provision to assets | 0.0446% | 6,787 |
| Net operating income to assets | 1.6151% | 660 |
| Return on assets (ROA) | 1.6549% | 674 |
| Pretax return on assets | 1.7290% | 969 |
| Return on Equity (ROE) | 14.9695% | 830 |
| Retained earnings to average equity (ytd only) | 0.5550% | 4,976 |
| Net charge-offs to loans | 0.0940% | 5,238 |
| Credit loss provision to net charge-offs | 103.7037% | 4,426 |
| Earnings coverage of net charge-offs (x) | 40.2593% | 806 |
| Efficiency ratio | 57.7209% | 6,905 |
| Assets per employee ($millions) | 3.7029% | 4,321 |
| Cash dividends to net income (ytd only)* | 96.2927% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1074% | 8,097 |
| Loan loss allowance to noncurrent loans | 5.7978% | 7,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 5,325 |
| Noncurrent loans to loans | 1.8517% | 3,731 |
| Net loans and leases to total assets | 44.8716% | 7,273 |
| Net loans and leases to deposits | 55.1504% | 7,208 |
| Net loans and leases to core deposits | 62.6417% | 7,353 |
| Total domestic deposits to total assets | 81.3623% | 4,940 |
| Equity capital to assets | 10.4820% | 3,423 |
| Core capital (leverage) ratio | 12.6358% | 1,567 |
| Tier 1 risk-based capital ratio | 19.5989% | 1,655 |
| Total risk-based capital ratio | 19.6766% | 1,845 |
| Memoranda: | ||
| Average total assets | $251,014,670 | 2,621 |
| Average earning assets | $235,836,670 | 2,565 |
| Average equity | $27,749,670 | 2,420 |
| Average total loans | $114,923,000 | 3,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 6,041 |
| Cost of funding earning assets | 1.5312% | 6,304 |
| Net interest margin | 3.7349% | 3,737 |
| Noninterest income to average assets | 0.9056% | 1,824 |
| Noninterest expense to average assets | 2.3635% | 6,328 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9634% | 372 |
| Return on assets (ROA) | 1.9634% | 423 |
| Pretax return on assets | 2.0509% | 601 |
| Return on Equity (ROE) | 17.2899% | 660 |
| Retained earnings to average equity (ytd only) | 3.0243% | 4,194 |
| Net charge-offs to loans | -0.0105% | 7,285 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7706% | 7,340 |
| Assets per employee ($millions) | 3.4044% | 5,064 |
| Cash dividends to net income (ytd only)* | 82.5083% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1115% | 8,149 |
| Loan loss allowance to noncurrent loans | 9.0647% | 7,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,772 |
| Noncurrent loans to loans | 1.2302% | 4,511 |
| Net loans and leases to total assets | 46.0471% | 7,184 |
| Net loans and leases to deposits | 54.5433% | 7,250 |
| Net loans and leases to core deposits | 62.2583% | 7,381 |
| Total domestic deposits to total assets | 84.4232% | 3,503 |
| Equity capital to assets | 11.0826% | 2,895 |
| Core capital (leverage) ratio | 12.7454% | 1,586 |
| Tier 1 risk-based capital ratio | 18.8127% | 1,856 |
| Total risk-based capital ratio | 18.8876% | 2,089 |
| Memoranda: | ||
| Average total assets | $246,919,000 | 2,685 |
| Average earning assets | $231,972,000 | 2,620 |
| Average equity | $28,039,500 | 2,415 |
| Average total loans | $114,167,000 | 3,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6474% | 2,259 |
| Cost of funding earning assets | 2.0095% | 6,383 |
| Net interest margin | 4.6380% | 1,077 |
| Noninterest income to average assets | 0.8336% | 2,333 |
| Noninterest expense to average assets | 2.4609% | 6,167 |
| Loan and lease loss provision to assets | 0.0102% | 7,241 |
| Net operating income to assets | 2.5572% | 114 |
| Return on assets (ROA) | 1.8077% | 523 |
| Pretax return on assets | 1.8839% | 790 |
| Return on Equity (ROE) | 15.0882% | 909 |
| Retained earnings to average equity (ytd only) | -0.2073% | 5,345 |
| Net charge-offs to loans | 0.0163% | 6,647 |
| Credit loss provision to net charge-offs | 138.8889% | 3,823 |
| Earnings coverage of net charge-offs (x) | 364.8889% | 135 |
| Efficiency ratio | 47.2683% | 7,863 |
| Assets per employee ($millions) | 3.4545% | 4,787 |
| Cash dividends to net income (ytd only)* | 101.3742% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1066% | 8,210 |
| Loan loss allowance to noncurrent loans | 13.7584% | 7,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 6,157 |
| Noncurrent loans to loans | 0.7751% | 5,088 |
| Net loans and leases to total assets | 46.3232% | 7,299 |
| Net loans and leases to deposits | 55.1856% | 7,373 |
| Net loans and leases to core deposits | 61.8881% | 7,511 |
| Total domestic deposits to total assets | 83.9408% | 3,353 |
| Equity capital to assets | 11.6249% | 2,552 |
| Core capital (leverage) ratio | 12.7588% | 1,639 |
| Tier 1 risk-based capital ratio | 19.4063% | 1,730 |
| Total risk-based capital ratio | 19.4822% | 1,930 |
| Memoranda: | ||
| Average total assets | $245,557,000 | 2,598 |
| Average earning assets | $227,771,600 | 2,569 |
| Average equity | $29,420,400 | 2,299 |
| Average total loans | $110,191,000 | 3,673 |