Home > First Harrison Bank > Performance and Condition Ratios
First Harrison 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 | 4.0667% | 3,861 |
| Cost of funding earning assets | 0.8451% | 3,623 |
| Net interest margin | 3.2217% | 2,828 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.2681% | 2,931 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1128% | 1,882 |
| Return on assets (ROA) | 1.1164% | 1,847 |
| Pretax return on assets | 1.3266% | 1,802 |
| Return on Equity (ROE) | 14.7400% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.2736% | 734 |
| Net charge-offs to loans | 0.0791% | 1,073 |
| Credit loss provision to net charge-offs | 243.2836% | 1,095 |
| Earnings coverage of net charge-offs (x) | 34.6823% | 1,539 |
| Efficiency ratio | 61.1149% | 2,958 |
| Assets per employee ($millions) | 6.0490% | 2,775 |
| Cash dividends to net income (ytd only)* | 23.4926% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 1,852 |
| Loan loss allowance to noncurrent loans | 455.8656% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,507 |
| Noncurrent loans to loans | 0.2818% | 2,173 |
| Net loans and leases to total assets | 53.2500% | 3,402 |
| Net loans and leases to deposits | 59.7541% | 3,536 |
| Net loans and leases to core deposits | 61.5431% | 3,699 |
| Total domestic deposits to total assets | 89.1100% | 1,033 |
| Equity capital to assets | 8.6066% | 2,972 |
| Core capital (leverage) ratio | 9.9242% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,143,821,800 | 885 |
| Average earning assets | $1,069,873,400 | 870 |
| Average equity | $86,663,000 | 1,065 |
| Average total loans | $593,026,600 | 1,097 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,874 |
| Cost of funding earning assets | 0.7426% | 3,667 |
| Net interest margin | 3.2423% | 2,815 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.2742% | 2,877 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1186% | 1,994 |
| Return on assets (ROA) | 1.1234% | 1,959 |
| Pretax return on assets | 1.3424% | 1,918 |
| Return on Equity (ROE) | 15.3600% | 1,384 |
| Retained earnings to average equity (ytd only) | 10.5633% | 1,251 |
| Net charge-offs to loans | 0.0865% | 870 |
| Credit loss provision to net charge-offs | 219.2105% | 1,063 |
| Earnings coverage of net charge-offs (x) | 32.2921% | 1,556 |
| Efficiency ratio | 60.9826% | 2,843 |
| Assets per employee ($millions) | 6.0214% | 2,739 |
| Cash dividends to net income (ytd only)* | 31.2077% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 1,997 |
| Loan loss allowance to noncurrent loans | 475.0458% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 2,611 |
| Noncurrent loans to loans | 0.2680% | 2,280 |
| Net loans and leases to total assets | 53.0500% | 3,419 |
| Net loans and leases to deposits | 59.1123% | 3,551 |
| Net loans and leases to core deposits | 60.5922% | 3,678 |
| Total domestic deposits to total assets | 89.7400% | 1,005 |
| Equity capital to assets | 7.2468% | 3,489 |
| Core capital (leverage) ratio | 9.6814% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,140,939,250 | 891 |
| Average earning assets | $1,067,207,750 | 869 |
| Average equity | $83,469,500 | 1,090 |
| Average total loans | $585,479,750 | 1,103 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 3,892 |
| Cost of funding earning assets | 0.6179% | 3,708 |
| Net interest margin | 3.2691% | 2,822 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.2867% | 2,853 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1158% | 2,077 |
| Return on assets (ROA) | 1.1138% | 2,073 |
| Pretax return on assets | 1.3392% | 1,963 |
| Return on Equity (ROE) | 15.1800% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.4031% | 1,311 |
| Net charge-offs to loans | 0.1252% | 585 |
| Credit loss provision to net charge-offs | 150.4155% | 1,197 |
| Earnings coverage of net charge-offs (x) | 22.7230% | 1,690 |
| Efficiency ratio | 61.0706% | 2,834 |
| Assets per employee ($millions) | 5.9886% | 2,717 |
| Cash dividends to net income (ytd only)* | 31.4515% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,064 |
| Loan loss allowance to noncurrent loans | 473.5350% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,547 |
| Noncurrent loans to loans | 0.2683% | 2,194 |
| Net loans and leases to total assets | 50.7900% | 3,502 |
| Net loans and leases to deposits | 55.8327% | 3,656 |
| Net loans and leases to core deposits | 56.6480% | 3,787 |
| Total domestic deposits to total assets | 90.9600% | 661 |
| Equity capital to assets | 7.4427% | 3,558 |
| Core capital (leverage) ratio | 9.5588% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,141,906,333 | 878 |
| Average earning assets | $1,067,212,333 | 861 |
| Average equity | $83,802,333 | 1,082 |
| Average total loans | $576,818,000 | 1,103 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 3,813 |
| Cost of funding earning assets | 0.3765% | 4,019 |
| Net interest margin | 3.4463% | 2,511 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.2655% | 2,910 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2654% | 1,764 |
| Return on assets (ROA) | 1.2654% | 1,732 |
| Pretax return on assets | 1.5378% | 1,589 |
| Return on Equity (ROE) | 17.3700% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.5429% | 1,170 |
| Net charge-offs to loans | 0.1426% | 476 |
| Credit loss provision to net charge-offs | 95.0739% | 1,159 |
| Earnings coverage of net charge-offs (x) | 22.5025% | 1,423 |
| Efficiency ratio | 58.1858% | 3,175 |
| Assets per employee ($millions) | 5.7936% | 2,944 |
| Cash dividends to net income (ytd only)* | 27.7778% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,142 |
| Loan loss allowance to noncurrent loans | 557.7304% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,707 |
| Noncurrent loans to loans | 0.2290% | 2,353 |
| Net loans and leases to total assets | 50.1100% | 3,486 |
| Net loans and leases to deposits | 54.5150% | 3,648 |
| Net loans and leases to core deposits | 54.8943% | 3,799 |
| Total domestic deposits to total assets | 91.9200% | 535 |
| Equity capital to assets | 7.7294% | 3,425 |
| Core capital (leverage) ratio | 9.4635% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,137,958,500 | 898 |
| Average earning assets | $1,063,506,500 | 883 |
| Average equity | $82,915,500 | 1,108 |
| Average total loans | $569,499,500 | 1,127 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 3,934 |
| Cost of funding earning assets | 0.1490% | 4,130 |
| Net interest margin | 2.9860% | 3,485 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1706% | 3,097 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0354% | 2,437 |
| Return on assets (ROA) | 1.0354% | 2,373 |
| Pretax return on assets | 1.2573% | 2,250 |
| Return on Equity (ROE) | 14.0300% | 1,521 |
| Retained earnings to average equity (ytd only) | 9.8091% | 1,215 |
| Net charge-offs to loans | 0.0491% | 1,184 |
| Credit loss provision to net charge-offs | 363.9847% | 811 |
| Earnings coverage of net charge-offs (x) | 59.2912% | 1,264 |
| Efficiency ratio | 61.4747% | 2,841 |
| Assets per employee ($millions) | 5.8181% | 2,934 |
| Cash dividends to net income (ytd only)* | 30.0978% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,398 |
| Loan loss allowance to noncurrent loans | 457.2586% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,616 |
| Noncurrent loans to loans | 0.2619% | 2,224 |
| Net loans and leases to total assets | 48.7500% | 3,606 |
| Net loans and leases to deposits | 52.5327% | 3,764 |
| Net loans and leases to core deposits | 52.7942% | 3,876 |
| Total domestic deposits to total assets | 92.8000% | 450 |
| Equity capital to assets | 6.8496% | 3,746 |
| Core capital (leverage) ratio | 9.1814% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,155,210,400 | 876 |
| Average earning assets | $1,080,265,200 | 863 |
| Average equity | $85,237,200 | 1,078 |
| Average total loans | $531,065,400 | 1,127 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9667% | 3,950 |
| Cost of funding earning assets | 0.1133% | 4,173 |
| Net interest margin | 2.8534% | 3,615 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.1541% | 3,061 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9772% | 2,555 |
| Return on assets (ROA) | 0.9772% | 2,534 |
| Pretax return on assets | 1.1726% | 2,482 |
| Return on Equity (ROE) | 13.0100% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.8708% | 1,692 |
| Net charge-offs to loans | 0.0171% | 1,505 |
| Credit loss provision to net charge-offs | 820.8955% | 464 |
| Earnings coverage of net charge-offs (x) | 160.1493% | 716 |
| Efficiency ratio | 63.1668% | 2,664 |
| Assets per employee ($millions) | 5.9403% | 2,820 |
| Cash dividends to net income (ytd only)* | 31.8284% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,553 |
| Loan loss allowance to noncurrent loans | 529.9435% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,878 |
| Noncurrent loans to loans | 0.2255% | 2,485 |
| Net loans and leases to total assets | 47.6000% | 3,663 |
| Net loans and leases to deposits | 50.9514% | 3,791 |
| Net loans and leases to core deposits | 51.1715% | 3,893 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 6.2462% | 3,863 |
| Core capital (leverage) ratio | 8.9189% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4462% | 1,585 |
| Memoranda: | ||
| Average total assets | $1,157,472,250 | 879 |
| Average earning assets | $1,083,118,500 | 866 |
| Average equity | $86,919,500 | 1,076 |
| Average total loans | $522,450,750 | 1,139 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7700% | 4,029 |
| Cost of funding earning assets | 0.0969% | 4,221 |
| Net interest margin | 2.6731% | 3,759 |
| Noninterest income to average assets | 0.7143% | 1,281 |
| Noninterest expense to average assets | 2.1064% | 3,130 |
| Loan and lease loss provision to assets | 0.0645% | 1,445 |
| Net operating income to assets | 0.8787% | 2,674 |
| Return on assets (ROA) | 0.8787% | 2,651 |
| Pretax return on assets | 1.0443% | 2,591 |
| Return on Equity (ROE) | 11.0911% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.1843% | 1,927 |
| Net charge-offs to loans | 0.0249% | 1,225 |
| Credit loss provision to net charge-offs | 585.9375% | 581 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 808 |
| Efficiency ratio | 65.1246% | 2,628 |
| Assets per employee ($millions) | 6.0277% | 2,719 |
| Cash dividends to net income (ytd only)* | 35.2250% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,692 |
| Loan loss allowance to noncurrent loans | 497.2006% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 2,937 |
| Noncurrent loans to loans | 0.2407% | 2,519 |
| Net loans and leases to total assets | 45.1449% | 3,755 |
| Net loans and leases to deposits | 48.5640% | 3,893 |
| Net loans and leases to core deposits | 48.8805% | 3,987 |
| Total domestic deposits to total assets | 92.9598% | 526 |
| Equity capital to assets | 6.7491% | 3,911 |
| Core capital (leverage) ratio | 8.6880% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,163,114,000 | 875 |
| Average earning assets | $1,088,155,000 | 867 |
| Average equity | $92,145,667 | 1,030 |
| Average total loans | $513,443,667 | 1,142 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6455% | 4,044 |
| Cost of funding earning assets | 0.0946% | 4,204 |
| Net interest margin | 2.5510% | 3,785 |
| Noninterest income to average assets | 0.7221% | 1,244 |
| Noninterest expense to average assets | 2.0811% | 3,217 |
| Loan and lease loss provision to assets | 0.0603% | 1,325 |
| Net operating income to assets | 0.8193% | 2,597 |
| Return on assets (ROA) | 0.8193% | 2,588 |
| Pretax return on assets | 0.9714% | 2,534 |
| Return on Equity (ROE) | 9.6236% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.9783% | 2,263 |
| Net charge-offs to loans | 0.0103% | 1,380 |
| Credit loss provision to net charge-offs | 1,346.1538% | 283 |
| Earnings coverage of net charge-offs (x) | 230.1538% | 392 |
| Efficiency ratio | 66.4451% | 2,711 |
| Assets per employee ($millions) | 6.0250% | 2,789 |
| Cash dividends to net income (ytd only)* | 37.8788% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,784 |
| Loan loss allowance to noncurrent loans | 523.0318% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 3,093 |
| Noncurrent loans to loans | 0.2322% | 2,663 |
| Net loans and leases to total assets | 43.4612% | 3,784 |
| Net loans and leases to deposits | 47.2701% | 3,912 |
| Net loans and leases to core deposits | 47.6257% | 4,000 |
| Total domestic deposits to total assets | 91.9421% | 596 |
| Equity capital to assets | 7.6925% | 3,803 |
| Core capital (leverage) ratio | 8.7341% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,159,982,000 | 878 |
| Average earning assets | $1,087,115,000 | 872 |
| Average equity | $98,757,500 | 997 |
| Average total loans | $503,011,000 | 1,156 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9018% | 4,051 |
| Cost of funding earning assets | 0.1128% | 4,286 |
| Net interest margin | 2.7889% | 3,688 |
| Noninterest income to average assets | 0.8486% | 1,323 |
| Noninterest expense to average assets | 2.2778% | 2,859 |
| Loan and lease loss provision to assets | -0.0301% | 4,274 |
| Net operating income to assets | 0.9969% | 2,683 |
| Return on assets (ROA) | 0.9974% | 2,748 |
| Pretax return on assets | 1.2139% | 2,617 |
| Return on Equity (ROE) | 10.2547% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.5434% | 1,330 |
| Net charge-offs to loans | 0.0435% | 1,409 |
| Credit loss provision to net charge-offs | -149.7696% | 3,451 |
| Earnings coverage of net charge-offs (x) | 58.9677% | 1,188 |
| Efficiency ratio | 65.4199% | 2,349 |
| Assets per employee ($millions) | 5.8137% | 2,937 |
| Cash dividends to net income (ytd only)* | 16.6883% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,696 |
| Loan loss allowance to noncurrent loans | 458.7481% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 3,098 |
| Noncurrent loans to loans | 0.2696% | 2,634 |
| Net loans and leases to total assets | 42.1938% | 3,970 |
| Net loans and leases to deposits | 46.7924% | 4,054 |
| Net loans and leases to core deposits | 47.1449% | 4,133 |
| Total domestic deposits to total assets | 90.1723% | 877 |
| Equity capital to assets | 9.3476% | 3,276 |
| Core capital (leverage) ratio | 8.8425% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,081,429,800 | 902 |
| Average earning assets | $1,012,999,000 | 898 |
| Average equity | $105,180,800 | 971 |
| Average total loans | $498,632,200 | 1,166 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9638% | 4,066 |
| Cost of funding earning assets | 0.1160% | 4,377 |
| Net interest margin | 2.8478% | 3,664 |
| Noninterest income to average assets | 0.8600% | 1,347 |
| Noninterest expense to average assets | 2.2843% | 2,793 |
| Loan and lease loss provision to assets | 0.0094% | 2,802 |
| Net operating income to assets | 1.0085% | 2,877 |
| Return on assets (ROA) | 1.0092% | 2,938 |
| Pretax return on assets | 1.2305% | 2,837 |
| Return on Equity (ROE) | 10.2686% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.9736% | 2,061 |
| Net charge-offs to loans | 0.0354% | 1,367 |
| Credit loss provision to net charge-offs | 56.3910% | 1,823 |
| Earnings coverage of net charge-offs (x) | 74.3459% | 1,024 |
| Efficiency ratio | 64.4414% | 2,324 |
| Assets per employee ($millions) | 5.6146% | 3,081 |
| Cash dividends to net income (ytd only)* | 22.3491% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,378 |
| Loan loss allowance to noncurrent loans | 476.2146% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,255 |
| Noncurrent loans to loans | 0.2779% | 2,804 |
| Net loans and leases to total assets | 43.8193% | 3,964 |
| Net loans and leases to deposits | 48.7052% | 4,084 |
| Net loans and leases to core deposits | 49.1708% | 4,180 |
| Total domestic deposits to total assets | 89.9684% | 787 |
| Equity capital to assets | 9.6155% | 3,273 |
| Core capital (leverage) ratio | 8.8996% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,064,007,750 | 926 |
| Average earning assets | $995,087,750 | 917 |
| Average equity | $104,575,500 | 991 |
| Average total loans | $500,344,500 | 1,180 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9355% | 4,168 |
| Cost of funding earning assets | 0.1193% | 4,443 |
| Net interest margin | 2.8162% | 3,756 |
| Noninterest income to average assets | 0.8665% | 1,362 |
| Noninterest expense to average assets | 2.2987% | 2,777 |
| Loan and lease loss provision to assets | 0.0143% | 2,665 |
| Net operating income to assets | 0.9797% | 2,962 |
| Return on assets (ROA) | 0.9808% | 3,050 |
| Pretax return on assets | 1.1942% | 2,928 |
| Return on Equity (ROE) | 9.9032% | 2,776 |
| Retained earnings to average equity (ytd only) | 6.4291% | 2,647 |
| Net charge-offs to loans | 0.0251% | 1,443 |
| Credit loss provision to net charge-offs | 119.0476% | 1,266 |
| Earnings coverage of net charge-offs (x) | 100.2381% | 752 |
| Efficiency ratio | 65.1690% | 2,273 |
| Assets per employee ($millions) | 5.5361% | 3,085 |
| Cash dividends to net income (ytd only)* | 35.0809% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,260 |
| Loan loss allowance to noncurrent loans | 374.3373% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,091 |
| Noncurrent loans to loans | 0.3569% | 2,618 |
| Net loans and leases to total assets | 45.6330% | 3,928 |
| Net loans and leases to deposits | 50.7675% | 4,063 |
| Net loans and leases to core deposits | 51.2750% | 4,172 |
| Total domestic deposits to total assets | 89.8863% | 833 |
| Equity capital to assets | 9.7489% | 3,097 |
| Core capital (leverage) ratio | 8.7881% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,046,244,333 | 934 |
| Average earning assets | $980,536,667 | 921 |
| Average equity | $103,622,667 | 993 |
| Average total loans | $501,739,667 | 1,182 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 4,033 |
| Cost of funding earning assets | 0.1212% | 4,515 |
| Net interest margin | 2.8986% | 3,528 |
| Noninterest income to average assets | 0.8489% | 1,465 |
| Noninterest expense to average assets | 2.2577% | 2,917 |
| Loan and lease loss provision to assets | 0.0291% | 2,403 |
| Net operating income to assets | 1.0292% | 2,716 |
| Return on assets (ROA) | 1.0314% | 2,790 |
| Pretax return on assets | 1.2705% | 2,654 |
| Return on Equity (ROE) | 10.3296% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.8373% | 2,631 |
| Net charge-offs to loans | 0.0571% | 942 |
| Credit loss provision to net charge-offs | 104.1667% | 1,091 |
| Earnings coverage of net charge-offs (x) | 46.4861% | 927 |
| Efficiency ratio | 63.1131% | 2,592 |
| Assets per employee ($millions) | 5.3637% | 3,264 |
| Cash dividends to net income (ytd only)* | 33.8092% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,239 |
| Loan loss allowance to noncurrent loans | 357.1121% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 3,288 |
| Noncurrent loans to loans | 0.3760% | 2,748 |
| Net loans and leases to total assets | 46.3202% | 3,938 |
| Net loans and leases to deposits | 51.5758% | 4,068 |
| Net loans and leases to core deposits | 51.9820% | 4,195 |
| Total domestic deposits to total assets | 89.8100% | 909 |
| Equity capital to assets | 9.7463% | 2,951 |
| Core capital (leverage) ratio | 9.1777% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,032,362,000 | 928 |
| Average earning assets | $963,642,000 | 924 |
| Average equity | $103,082,000 | 986 |
| Average total loans | $504,239,500 | 1,178 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 4,013 |
| Cost of funding earning assets | 0.1876% | 4,623 |
| Net interest margin | 3.3212% | 3,017 |
| Noninterest income to average assets | 0.9764% | 1,095 |
| Noninterest expense to average assets | 2.5615% | 2,669 |
| Loan and lease loss provision to assets | 0.1992% | 1,964 |
| Net operating income to assets | 1.0826% | 1,980 |
| Return on assets (ROA) | 1.0826% | 2,115 |
| Pretax return on assets | 1.3035% | 1,963 |
| Return on Equity (ROE) | 9.9995% | 2,006 |
| Retained earnings to average equity (ytd only) | 8.1610% | 1,010 |
| Net charge-offs to loans | 0.0477% | 2,114 |
| Credit loss provision to net charge-offs | 759.9156% | 948 |
| Earnings coverage of net charge-offs (x) | 57.3376% | 1,091 |
| Efficiency ratio | 62.6262% | 3,031 |
| Assets per employee ($millions) | 5.1972% | 3,163 |
| Cash dividends to net income (ytd only)* | 18.3861% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,483 |
| Loan loss allowance to noncurrent loans | 453.1464% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,568 |
| Noncurrent loans to loans | 0.2839% | 3,185 |
| Net loans and leases to total assets | 50.1528% | 3,816 |
| Net loans and leases to deposits | 56.2271% | 3,977 |
| Net loans and leases to core deposits | 56.6943% | 4,119 |
| Total domestic deposits to total assets | 89.1969% | 899 |
| Equity capital to assets | 10.2327% | 2,898 |
| Core capital (leverage) ratio | 9.3745% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $904,324,800 | 965 |
| Average earning assets | $840,751,400 | 962 |
| Average equity | $97,904,800 | 976 |
| Average total loans | $496,369,000 | 1,145 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 3,976 |
| Cost of funding earning assets | 0.2050% | 4,656 |
| Net interest margin | 3.4144% | 2,870 |
| Noninterest income to average assets | 0.9994% | 1,025 |
| Noninterest expense to average assets | 2.6551% | 2,377 |
| Loan and lease loss provision to assets | 0.2396% | 1,693 |
| Net operating income to assets | 1.0614% | 2,105 |
| Return on assets (ROA) | 1.0614% | 2,239 |
| Pretax return on assets | 1.2823% | 2,124 |
| Return on Equity (ROE) | 9.6512% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.1631% | 1,627 |
| Net charge-offs to loans | 0.0632% | 1,703 |
| Credit loss provision to net charge-offs | 676.3948% | 1,091 |
| Earnings coverage of net charge-offs (x) | 42.9657% | 1,307 |
| Efficiency ratio | 63.1642% | 2,885 |
| Assets per employee ($millions) | 4.8351% | 3,449 |
| Cash dividends to net income (ytd only)* | 25.7806% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,314 |
| Loan loss allowance to noncurrent loans | 294.7078% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 3,262 |
| Noncurrent loans to loans | 0.4299% | 2,766 |
| Net loans and leases to total assets | 52.9319% | 3,896 |
| Net loans and leases to deposits | 59.6155% | 4,085 |
| Net loans and leases to core deposits | 60.1537% | 4,193 |
| Total domestic deposits to total assets | 88.7889% | 866 |
| Equity capital to assets | 10.6459% | 2,676 |
| Core capital (leverage) ratio | 9.5313% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $877,044,250 | 976 |
| Average earning assets | $816,202,500 | 974 |
| Average equity | $96,455,250 | 979 |
| Average total loans | $491,737,000 | 1,147 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 3,958 |
| Cost of funding earning assets | 0.2218% | 4,701 |
| Net interest margin | 3.5424% | 2,665 |
| Noninterest income to average assets | 0.9325% | 1,099 |
| Noninterest expense to average assets | 2.6930% | 2,405 |
| Loan and lease loss provision to assets | 0.2751% | 1,554 |
| Net operating income to assets | 1.0368% | 2,198 |
| Return on assets (ROA) | 1.0368% | 2,332 |
| Pretax return on assets | 1.2557% | 2,164 |
| Return on Equity (ROE) | 9.3180% | 2,244 |
| Retained earnings to average equity (ytd only) | 7.4262% | 1,492 |
| Net charge-offs to loans | 0.0714% | 1,533 |
| Credit loss provision to net charge-offs | 675.8621% | 1,021 |
| Earnings coverage of net charge-offs (x) | 37.6149% | 1,293 |
| Efficiency ratio | 63.3535% | 2,904 |
| Assets per employee ($millions) | 4.6230% | 3,624 |
| Cash dividends to net income (ytd only)* | 20.3023% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,596 |
| Loan loss allowance to noncurrent loans | 257.7806% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,261 |
| Noncurrent loans to loans | 0.4593% | 2,766 |
| Net loans and leases to total assets | 55.2800% | 3,752 |
| Net loans and leases to deposits | 62.3622% | 3,985 |
| Net loans and leases to core deposits | 62.7286% | 4,143 |
| Total domestic deposits to total assets | 88.6435% | 893 |
| Equity capital to assets | 10.7620% | 2,521 |
| Core capital (leverage) ratio | 9.6626% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $855,112,333 | 977 |
| Average earning assets | $794,479,000 | 975 |
| Average equity | $95,149,000 | 983 |
| Average total loans | $487,160,333 | 1,137 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,810 |
| Cost of funding earning assets | 0.2472% | 4,778 |
| Net interest margin | 3.7435% | 2,167 |
| Noninterest income to average assets | 0.9091% | 1,051 |
| Noninterest expense to average assets | 2.8378% | 2,314 |
| Loan and lease loss provision to assets | 0.1702% | 1,725 |
| Net operating income to assets | 1.1103% | 1,811 |
| Return on assets (ROA) | 1.1103% | 1,904 |
| Pretax return on assets | 1.3673% | 1,661 |
| Return on Equity (ROE) | 9.8000% | 1,810 |
| Retained earnings to average equity (ytd only) | 9.8000% | 782 |
| Net charge-offs to loans | 0.0885% | 1,167 |
| Credit loss provision to net charge-offs | 334.2857% | 1,096 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,179 |
| Efficiency ratio | 64.4504% | 3,163 |
| Assets per employee ($millions) | 4.1979% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,089 |
| Loan loss allowance to noncurrent loans | 306.7630% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 3,641 |
| Noncurrent loans to loans | 0.3652% | 3,185 |
| Net loans and leases to total assets | 56.6366% | 3,787 |
| Net loans and leases to deposits | 64.4919% | 3,950 |
| Net loans and leases to core deposits | 65.0314% | 4,129 |
| Total domestic deposits to total assets | 87.8197% | 1,176 |
| Equity capital to assets | 11.5968% | 2,362 |
| Core capital (leverage) ratio | 10.4507% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $824,996,000 | 982 |
| Average earning assets | $763,881,000 | 980 |
| Average equity | $93,469,000 | 994 |
| Average total loans | $474,707,500 | 1,139 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 3,743 |
| Cost of funding earning assets | 0.2623% | 4,819 |
| Net interest margin | 3.9650% | 1,957 |
| Noninterest income to average assets | 0.8817% | 1,216 |
| Noninterest expense to average assets | 2.8952% | 2,311 |
| Loan and lease loss provision to assets | 0.1750% | 1,193 |
| Net operating income to assets | 1.2076% | 2,028 |
| Return on assets (ROA) | 1.1928% | 2,181 |
| Pretax return on assets | 1.4599% | 1,937 |
| Return on Equity (ROE) | 11.3239% | 1,760 |
| Retained earnings to average equity (ytd only) | 7.1268% | 1,343 |
| Net charge-offs to loans | 0.0925% | 1,804 |
| Credit loss provision to net charge-offs | 332.1678% | 839 |
| Earnings coverage of net charge-offs (x) | 31.3753% | 1,537 |
| Efficiency ratio | 63.2601% | 3,184 |
| Assets per employee ($millions) | 4.2205% | 3,610 |
| Cash dividends to net income (ytd only)* | 37.0637% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,148 |
| Loan loss allowance to noncurrent loans | 285.2875% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,499 |
| Noncurrent loans to loans | 0.3729% | 3,107 |
| Net loans and leases to total assets | 57.1891% | 3,831 |
| Net loans and leases to deposits | 64.7814% | 4,020 |
| Net loans and leases to core deposits | 65.3024% | 4,216 |
| Total domestic deposits to total assets | 88.2802% | 990 |
| Equity capital to assets | 11.0612% | 2,937 |
| Core capital (leverage) ratio | 10.0126% | 3,504 |
| Tier 1 risk-based capital ratio | 14.0282% | 3,256 |
| Total risk-based capital ratio | 14.8982% | 3,350 |
| Memoranda: | ||
| Average total assets | $814,314,200 | 960 |
| Average earning assets | $752,989,400 | 958 |
| Average equity | $85,774,400 | 1,025 |
| Average total loans | $463,846,000 | 1,138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,808 |
| Cost of funding earning assets | 0.2598% | 4,901 |
| Net interest margin | 3.9900% | 1,974 |
| Noninterest income to average assets | 0.8612% | 1,236 |
| Noninterest expense to average assets | 2.8827% | 2,309 |
| Loan and lease loss provision to assets | 0.1601% | 1,172 |
| Net operating income to assets | 1.2275% | 2,102 |
| Return on assets (ROA) | 1.2098% | 2,237 |
| Pretax return on assets | 1.4853% | 2,005 |
| Return on Equity (ROE) | 11.6329% | 1,745 |
| Retained earnings to average equity (ytd only) | 7.3706% | 1,684 |
| Net charge-offs to loans | 0.0871% | 1,605 |
| Credit loss provision to net charge-offs | 323.9203% | 912 |
| Earnings coverage of net charge-offs (x) | 33.7378% | 1,517 |
| Efficiency ratio | 62.9610% | 3,169 |
| Assets per employee ($millions) | 4.1734% | 3,659 |
| Cash dividends to net income (ytd only)* | 36.6400% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,620 |
| Loan loss allowance to noncurrent loans | 243.0256% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 3,617 |
| Noncurrent loans to loans | 0.4077% | 3,087 |
| Net loans and leases to total assets | 57.8968% | 3,889 |
| Net loans and leases to deposits | 65.4882% | 4,096 |
| Net loans and leases to core deposits | 65.9514% | 4,279 |
| Total domestic deposits to total assets | 88.4080% | 867 |
| Equity capital to assets | 10.9216% | 3,167 |
| Core capital (leverage) ratio | 9.9311% | 3,702 |
| Tier 1 risk-based capital ratio | 14.0500% | 3,302 |
| Total risk-based capital ratio | 14.8810% | 3,415 |
| Memoranda: | ||
| Average total assets | $812,141,250 | 966 |
| Average earning assets | $750,786,000 | 960 |
| Average equity | $84,459,500 | 1,033 |
| Average total loans | $460,874,750 | 1,147 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 3,899 |
| Cost of funding earning assets | 0.2551% | 4,943 |
| Net interest margin | 3.9562% | 2,074 |
| Noninterest income to average assets | 0.8201% | 1,282 |
| Noninterest expense to average assets | 2.8662% | 2,368 |
| Loan and lease loss provision to assets | 0.1851% | 959 |
| Net operating income to assets | 1.1574% | 2,301 |
| Return on assets (ROA) | 1.1380% | 2,452 |
| Pretax return on assets | 1.4009% | 2,206 |
| Return on Equity (ROE) | 11.1308% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.7847% | 1,913 |
| Net charge-offs to loans | 0.0905% | 1,456 |
| Credit loss provision to net charge-offs | 364.0777% | 783 |
| Earnings coverage of net charge-offs (x) | 31.6602% | 1,423 |
| Efficiency ratio | 63.6298% | 3,194 |
| Assets per employee ($millions) | 4.2172% | 3,553 |
| Cash dividends to net income (ytd only)* | 39.0456% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,720 |
| Loan loss allowance to noncurrent loans | 172.2347% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 2,034 |
| Noncurrent loans to loans | 0.5712% | 2,548 |
| Net loans and leases to total assets | 55.8378% | 4,085 |
| Net loans and leases to deposits | 62.8399% | 4,290 |
| Net loans and leases to core deposits | 63.1836% | 4,447 |
| Total domestic deposits to total assets | 88.8572% | 724 |
| Equity capital to assets | 10.4781% | 3,535 |
| Core capital (leverage) ratio | 9.6387% | 3,990 |
| Tier 1 risk-based capital ratio | 13.8819% | 3,379 |
| Total risk-based capital ratio | 14.6998% | 3,509 |
| Memoranda: | ||
| Average total assets | $810,191,000 | 964 |
| Average earning assets | $748,744,670 | 963 |
| Average equity | $82,833,330 | 1,048 |
| Average total loans | $455,056,330 | 1,155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 4,094 |
| Cost of funding earning assets | 0.2481% | 4,987 |
| Net interest margin | 3.8625% | 2,302 |
| Noninterest income to average assets | 0.7441% | 1,446 |
| Noninterest expense to average assets | 2.8619% | 2,383 |
| Loan and lease loss provision to assets | 0.2250% | 689 |
| Net operating income to assets | 0.9934% | 2,871 |
| Return on assets (ROA) | 0.9541% | 3,074 |
| Pretax return on assets | 1.1822% | 2,868 |
| Return on Equity (ROE) | 9.4543% | 2,608 |
| Retained earnings to average equity (ytd only) | 4.9947% | 2,907 |
| Net charge-offs to loans | 0.1570% | 858 |
| Credit loss provision to net charge-offs | 255.6818% | 910 |
| Earnings coverage of net charge-offs (x) | 16.5398% | 1,694 |
| Efficiency ratio | 65.8559% | 2,961 |
| Assets per employee ($millions) | 4.1741% | 3,667 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,951 |
| Loan loss allowance to noncurrent loans | 122.4323% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 1,752 |
| Noncurrent loans to loans | 0.7781% | 2,086 |
| Net loans and leases to total assets | 55.7145% | 4,084 |
| Net loans and leases to deposits | 62.4779% | 4,274 |
| Net loans and leases to core deposits | 62.8261% | 4,435 |
| Total domestic deposits to total assets | 89.1748% | 779 |
| Equity capital to assets | 10.1448% | 3,681 |
| Core capital (leverage) ratio | 9.7447% | 3,874 |
| Tier 1 risk-based capital ratio | 13.8131% | 3,445 |
| Total risk-based capital ratio | 14.5978% | 3,602 |
| Memoranda: | ||
| Average total assets | $799,896,000 | 973 |
| Average earning assets | $740,037,000 | 977 |
| Average equity | $80,725,000 | 1,066 |
| Average total loans | $448,335,000 | 1,176 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,987 |
| Cost of funding earning assets | 0.2281% | 4,896 |
| Net interest margin | 3.7853% | 2,717 |
| Noninterest income to average assets | 0.8505% | 1,309 |
| Noninterest expense to average assets | 2.8221% | 2,615 |
| Loan and lease loss provision to assets | 0.1503% | 1,409 |
| Net operating income to assets | 1.1516% | 2,376 |
| Return on assets (ROA) | 1.1412% | 2,429 |
| Pretax return on assets | 1.3469% | 2,331 |
| Return on Equity (ROE) | 11.5739% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.8749% | 1,723 |
| Net charge-offs to loans | 0.1725% | 1,120 |
| Credit loss provision to net charge-offs | 158.9116% | 1,741 |
| Earnings coverage of net charge-offs (x) | 15.9565% | 2,286 |
| Efficiency ratio | 64.7155% | 3,082 |
| Assets per employee ($millions) | 4.2247% | 3,578 |
| Cash dividends to net income (ytd only)* | 40.6000% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 4,082 |
| Loan loss allowance to noncurrent loans | 128.1122% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 1,742 |
| Noncurrent loans to loans | 0.7192% | 2,186 |
| Net loans and leases to total assets | 55.3284% | 4,176 |
| Net loans and leases to deposits | 62.0015% | 4,376 |
| Net loans and leases to core deposits | 62.3558% | 4,522 |
| Total domestic deposits to total assets | 89.2373% | 757 |
| Equity capital to assets | 10.0378% | 3,647 |
| Core capital (leverage) ratio | 9.5739% | 4,035 |
| Tier 1 risk-based capital ratio | 13.8738% | 3,349 |
| Total risk-based capital ratio | 14.6224% | 3,515 |
| Memoranda: | ||
| Average total assets | $776,971,000 | 969 |
| Average earning assets | $714,534,200 | 969 |
| Average equity | $76,612,200 | 1,070 |
| Average total loans | $426,066,000 | 1,190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 4,055 |
| Cost of funding earning assets | 0.2203% | 4,939 |
| Net interest margin | 3.7369% | 2,870 |
| Noninterest income to average assets | 0.8902% | 1,227 |
| Noninterest expense to average assets | 2.8158% | 2,584 |
| Loan and lease loss provision to assets | 0.1668% | 1,129 |
| Net operating income to assets | 1.1153% | 2,600 |
| Return on assets (ROA) | 1.1017% | 2,674 |
| Pretax return on assets | 1.3259% | 2,523 |
| Return on Equity (ROE) | 11.2244% | 2,079 |
| Retained earnings to average equity (ytd only) | 6.4839% | 2,394 |
| Net charge-offs to loans | 0.1332% | 1,211 |
| Credit loss provision to net charge-offs | 229.3839% | 1,253 |
| Earnings coverage of net charge-offs (x) | 20.7513% | 1,944 |
| Efficiency ratio | 64.6691% | 3,076 |
| Assets per employee ($millions) | 4.1828% | 3,595 |
| Cash dividends to net income (ytd only)* | 42.2337% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,006 |
| Loan loss allowance to noncurrent loans | 151.7617% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 1,980 |
| Noncurrent loans to loans | 0.6330% | 2,500 |
| Net loans and leases to total assets | 54.7792% | 4,307 |
| Net loans and leases to deposits | 61.0443% | 4,491 |
| Net loans and leases to core deposits | 61.3514% | 4,644 |
| Total domestic deposits to total assets | 89.7369% | 589 |
| Equity capital to assets | 9.5225% | 4,060 |
| Core capital (leverage) ratio | 9.5236% | 4,145 |
| Tier 1 risk-based capital ratio | 13.6925% | 3,520 |
| Total risk-based capital ratio | 14.4684% | 3,690 |
| Memoranda: | ||
| Average total assets | $773,707,250 | 972 |
| Average earning assets | $711,121,500 | 972 |
| Average equity | $75,940,000 | 1,075 |
| Average total loans | $422,289,000 | 1,205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,146 |
| Cost of funding earning assets | 0.2108% | 4,971 |
| Net interest margin | 3.6630% | 3,066 |
| Noninterest income to average assets | 0.8837% | 1,230 |
| Noninterest expense to average assets | 2.8915% | 2,378 |
| Loan and lease loss provision to assets | 0.1333% | 1,480 |
| Net operating income to assets | 1.0409% | 2,846 |
| Return on assets (ROA) | 1.0202% | 2,933 |
| Pretax return on assets | 1.2076% | 2,915 |
| Return on Equity (ROE) | 10.2893% | 2,432 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,785 |
| Net charge-offs to loans | 0.1330% | 1,123 |
| Credit loss provision to net charge-offs | 184.5324% | 1,379 |
| Earnings coverage of net charge-offs (x) | 18.8993% | 1,873 |
| Efficiency ratio | 67.4766% | 2,732 |
| Assets per employee ($millions) | 4.2493% | 3,498 |
| Cash dividends to net income (ytd only)* | 45.8599% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,299 |
| Loan loss allowance to noncurrent loans | 155.9903% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 1,998 |
| Noncurrent loans to loans | 0.5829% | 2,674 |
| Net loans and leases to total assets | 53.6072% | 4,370 |
| Net loans and leases to deposits | 59.8149% | 4,538 |
| Net loans and leases to core deposits | 60.0913% | 4,701 |
| Total domestic deposits to total assets | 89.6219% | 698 |
| Equity capital to assets | 9.6774% | 3,939 |
| Core capital (leverage) ratio | 9.6412% | 3,955 |
| Tier 1 risk-based capital ratio | 13.9846% | 3,365 |
| Total risk-based capital ratio | 14.7149% | 3,552 |
| Memoranda: | ||
| Average total assets | $769,489,670 | 981 |
| Average earning assets | $708,659,330 | 976 |
| Average equity | $76,293,000 | 1,073 |
| Average total loans | $418,072,000 | 1,213 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 4,129 |
| Cost of funding earning assets | 0.1980% | 5,032 |
| Net interest margin | 3.6330% | 3,056 |
| Noninterest income to average assets | 0.8098% | 1,422 |
| Noninterest expense to average assets | 2.8062% | 2,663 |
| Loan and lease loss provision to assets | 0.1040% | 1,783 |
| Net operating income to assets | 1.0369% | 2,703 |
| Return on assets (ROA) | 1.0373% | 2,717 |
| Pretax return on assets | 1.2460% | 2,571 |
| Return on Equity (ROE) | 10.3349% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.6229% | 2,883 |
| Net charge-offs to loans | 0.1921% | 769 |
| Credit loss provision to net charge-offs | 99.4975% | 1,605 |
| Earnings coverage of net charge-offs (x) | 12.9045% | 1,780 |
| Efficiency ratio | 67.0587% | 2,995 |
| Assets per employee ($millions) | 4.0712% | 3,852 |
| Cash dividends to net income (ytd only)* | 45.5927% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,535 |
| Loan loss allowance to noncurrent loans | 122.7519% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 1,800 |
| Noncurrent loans to loans | 0.7161% | 2,422 |
| Net loans and leases to total assets | 53.4923% | 4,326 |
| Net loans and leases to deposits | 59.8478% | 4,480 |
| Net loans and leases to core deposits | 60.0680% | 4,652 |
| Total domestic deposits to total assets | 89.3806% | 927 |
| Equity capital to assets | 9.8552% | 3,745 |
| Core capital (leverage) ratio | 9.6609% | 3,889 |
| Tier 1 risk-based capital ratio | 13.8441% | 3,474 |
| Total risk-based capital ratio | 14.5331% | 3,695 |
| Memoranda: | ||
| Average total assets | $761,175,500 | 997 |
| Average earning assets | $701,012,000 | 990 |
| Average equity | $76,401,500 | 1,072 |
| Average total loans | $414,466,500 | 1,228 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,184 |
| Cost of funding earning assets | 0.2084% | 4,881 |
| Net interest margin | 3.5517% | 3,337 |
| Noninterest income to average assets | 0.9049% | 1,252 |
| Noninterest expense to average assets | 2.7420% | 2,989 |
| Loan and lease loss provision to assets | 0.1213% | 1,891 |
| Net operating income to assets | 0.8974% | 2,725 |
| Return on assets (ROA) | 0.9023% | 2,729 |
| Pretax return on assets | 1.3324% | 2,238 |
| Return on Equity (ROE) | 8.9515% | 2,341 |
| Retained earnings to average equity (ytd only) | 4.4810% | 2,461 |
| Net charge-offs to loans | 0.1667% | 1,474 |
| Credit loss provision to net charge-offs | 137.1814% | 1,929 |
| Earnings coverage of net charge-offs (x) | 16.3628% | 2,186 |
| Efficiency ratio | 65.0002% | 3,445 |
| Assets per employee ($millions) | 4.1592% | 3,721 |
| Cash dividends to net income (ytd only)* | 49.9412% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,582 |
| Loan loss allowance to noncurrent loans | 125.4401% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,712 |
| Noncurrent loans to loans | 0.6966% | 2,464 |
| Net loans and leases to total assets | 54.4603% | 4,319 |
| Net loans and leases to deposits | 61.8172% | 4,467 |
| Net loans and leases to core deposits | 62.1455% | 4,648 |
| Total domestic deposits to total assets | 88.0989% | 1,444 |
| Equity capital to assets | 10.2214% | 3,471 |
| Core capital (leverage) ratio | 9.6698% | 3,848 |
| Tier 1 risk-based capital ratio | 13.7982% | 3,473 |
| Total risk-based capital ratio | 14.4940% | 3,691 |
| Memoranda: | ||
| Average total assets | $754,519,400 | 980 |
| Average earning assets | $697,551,400 | 978 |
| Average equity | $76,054,600 | 1,061 |
| Average total loans | $400,239,800 | 1,232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,245 |
| Cost of funding earning assets | 0.2100% | 4,882 |
| Net interest margin | 3.5175% | 3,438 |
| Noninterest income to average assets | 0.9150% | 1,228 |
| Noninterest expense to average assets | 2.7170% | 3,001 |
| Loan and lease loss provision to assets | 0.1091% | 1,949 |
| Net operating income to assets | 0.9421% | 2,819 |
| Return on assets (ROA) | 0.9488% | 2,851 |
| Pretax return on assets | 1.3534% | 2,268 |
| Return on Equity (ROE) | 9.4462% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.9564% | 2,919 |
| Net charge-offs to loans | 0.1568% | 1,300 |
| Credit loss provision to net charge-offs | 132.4034% | 1,862 |
| Earnings coverage of net charge-offs (x) | 17.6308% | 2,095 |
| Efficiency ratio | 64.6889% | 3,421 |
| Assets per employee ($millions) | 4.0660% | 3,873 |
| Cash dividends to net income (ytd only)* | 47.5304% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,682 |
| Loan loss allowance to noncurrent loans | 127.2760% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 1,942 |
| Noncurrent loans to loans | 0.6857% | 2,652 |
| Net loans and leases to total assets | 53.4104% | 4,465 |
| Net loans and leases to deposits | 60.1412% | 4,632 |
| Net loans and leases to core deposits | 60.4623% | 4,794 |
| Total domestic deposits to total assets | 88.8083% | 966 |
| Equity capital to assets | 10.3677% | 3,516 |
| Core capital (leverage) ratio | 9.5183% | 4,144 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,432 |
| Total risk-based capital ratio | 14.7219% | 3,636 |
| Memoranda: | ||
| Average total assets | $753,906,750 | 987 |
| Average earning assets | $697,629,000 | 984 |
| Average equity | $75,725,000 | 1,069 |
| Average total loans | $396,329,250 | 1,250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,293 |
| Cost of funding earning assets | 0.2130% | 4,857 |
| Net interest margin | 3.4635% | 3,531 |
| Noninterest income to average assets | 0.9008% | 1,272 |
| Noninterest expense to average assets | 2.7169% | 3,029 |
| Loan and lease loss provision to assets | 0.1238% | 1,670 |
| Net operating income to assets | 0.8899% | 2,965 |
| Return on assets (ROA) | 0.9016% | 2,957 |
| Pretax return on assets | 1.2785% | 2,465 |
| Return on Equity (ROE) | 9.0729% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.5378% | 3,008 |
| Net charge-offs to loans | 0.1663% | 1,166 |
| Credit loss provision to net charge-offs | 142.8135% | 1,571 |
| Earnings coverage of net charge-offs (x) | 15.9878% | 1,995 |
| Efficiency ratio | 65.7492% | 3,393 |
| Assets per employee ($millions) | 4.2295% | 3,562 |
| Cash dividends to net income (ytd only)* | 49.9853% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,714 |
| Loan loss allowance to noncurrent loans | 119.6877% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 1,953 |
| Noncurrent loans to loans | 0.7364% | 2,554 |
| Net loans and leases to total assets | 52.0838% | 4,562 |
| Net loans and leases to deposits | 58.1426% | 4,743 |
| Net loans and leases to core deposits | 58.4495% | 4,902 |
| Total domestic deposits to total assets | 89.5794% | 697 |
| Equity capital to assets | 10.1309% | 3,760 |
| Core capital (leverage) ratio | 9.3374% | 4,315 |
| Tier 1 risk-based capital ratio | 13.9298% | 3,462 |
| Total risk-based capital ratio | 14.6319% | 3,675 |
| Memoranda: | ||
| Average total assets | $754,469,330 | 988 |
| Average earning assets | $697,495,670 | 990 |
| Average equity | $74,970,670 | 1,080 |
| Average total loans | $393,339,000 | 1,260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,335 |
| Cost of funding earning assets | 0.2196% | 4,809 |
| Net interest margin | 3.4103% | 3,622 |
| Noninterest income to average assets | 0.8063% | 1,528 |
| Noninterest expense to average assets | 2.8169% | 2,732 |
| Loan and lease loss provision to assets | 0.1124% | 1,703 |
| Net operating income to assets | 0.7344% | 3,537 |
| Return on assets (ROA) | 0.7344% | 3,593 |
| Pretax return on assets | 1.0279% | 3,247 |
| Return on Equity (ROE) | 7.4649% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.8636% | 3,987 |
| Net charge-offs to loans | 0.1836% | 924 |
| Credit loss provision to net charge-offs | 117.8771% | 1,416 |
| Earnings coverage of net charge-offs (x) | 11.9609% | 1,862 |
| Efficiency ratio | 70.6864% | 2,791 |
| Assets per employee ($millions) | 4.1768% | 3,702 |
| Cash dividends to net income (ytd only)* | 61.6389% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,848 |
| Loan loss allowance to noncurrent loans | 92.5284% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 1,687 |
| Noncurrent loans to loans | 0.9449% | 2,154 |
| Net loans and leases to total assets | 50.9758% | 4,594 |
| Net loans and leases to deposits | 56.7309% | 4,773 |
| Net loans and leases to core deposits | 57.0318% | 4,923 |
| Total domestic deposits to total assets | 89.8553% | 722 |
| Equity capital to assets | 9.7857% | 3,987 |
| Core capital (leverage) ratio | 9.2699% | 4,382 |
| Tier 1 risk-based capital ratio | 14.0704% | 3,430 |
| Total risk-based capital ratio | 14.7699% | 3,678 |
| Memoranda: | ||
| Average total assets | $751,051,000 | 990 |
| Average earning assets | $693,901,000 | 993 |
| Average equity | $73,892,500 | 1,086 |
| Average total loans | $389,987,000 | 1,276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 4,223 |
| Cost of funding earning assets | 0.2807% | 4,249 |
| Net interest margin | 3.4139% | 3,772 |
| Noninterest income to average assets | 0.8398% | 1,616 |
| Noninterest expense to average assets | 2.7038% | 3,328 |
| Loan and lease loss provision to assets | 0.0880% | 2,603 |
| Net operating income to assets | 0.8310% | 3,149 |
| Return on assets (ROA) | 0.8479% | 3,189 |
| Pretax return on assets | 1.2133% | 2,610 |
| Return on Equity (ROE) | 8.4335% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.1260% | 1,642 |
| Net charge-offs to loans | 0.1816% | 1,523 |
| Credit loss provision to net charge-offs | 95.6973% | 2,683 |
| Earnings coverage of net charge-offs (x) | 13.8872% | 2,336 |
| Efficiency ratio | 67.4116% | 3,365 |
| Assets per employee ($millions) | 4.0104% | 3,949 |
| Cash dividends to net income (ytd only)* | 27.3620% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,898 |
| Loan loss allowance to noncurrent loans | 81.8072% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 1,522 |
| Noncurrent loans to loans | 1.0639% | 1,950 |
| Net loans and leases to total assets | 51.9816% | 4,609 |
| Net loans and leases to deposits | 57.9223% | 4,794 |
| Net loans and leases to core deposits | 58.2390% | 4,952 |
| Total domestic deposits to total assets | 89.7436% | 755 |
| Equity capital to assets | 9.8927% | 3,827 |
| Core capital (leverage) ratio | 9.2974% | 4,350 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,299 |
| Total risk-based capital ratio | 14.9818% | 3,532 |
| Memoranda: | ||
| Average total assets | $732,794,600 | 983 |
| Average earning assets | $674,279,800 | 986 |
| Average equity | $73,670,200 | 1,074 |
| Average total loans | $371,170,800 | 1,270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,213 |
| Cost of funding earning assets | 0.2925% | 4,187 |
| Net interest margin | 3.4182% | 3,781 |
| Noninterest income to average assets | 0.8447% | 1,592 |
| Noninterest expense to average assets | 2.7288% | 3,261 |
| Loan and lease loss provision to assets | 0.0776% | 2,672 |
| Net operating income to assets | 0.8279% | 3,249 |
| Return on assets (ROA) | 0.8503% | 3,273 |
| Pretax return on assets | 1.2166% | 2,771 |
| Return on Equity (ROE) | 8.4241% | 2,799 |
| Retained earnings to average equity (ytd only) | 5.3503% | 2,586 |
| Net charge-offs to loans | 0.1934% | 1,214 |
| Credit loss provision to net charge-offs | 79.8872% | 2,664 |
| Earnings coverage of net charge-offs (x) | 12.9980% | 2,342 |
| Efficiency ratio | 67.8725% | 3,245 |
| Assets per employee ($millions) | 4.1535% | 3,685 |
| Cash dividends to net income (ytd only)* | 36.4885% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,899 |
| Loan loss allowance to noncurrent loans | 81.2531% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1281% | 1,791 |
| Noncurrent loans to loans | 1.0977% | 2,059 |
| Net loans and leases to total assets | 49.8998% | 4,827 |
| Net loans and leases to deposits | 55.8934% | 5,003 |
| Net loans and leases to core deposits | 56.1604% | 5,141 |
| Total domestic deposits to total assets | 89.2768% | 765 |
| Equity capital to assets | 10.2486% | 3,859 |
| Core capital (leverage) ratio | 9.2700% | 4,505 |
| Tier 1 risk-based capital ratio | 14.6030% | 3,231 |
| Total risk-based capital ratio | 15.3280% | 3,440 |
| Memoranda: | ||
| Average total assets | $730,513,500 | 988 |
| Average earning assets | $672,393,500 | 990 |
| Average equity | $73,738,750 | 1,081 |
| Average total loans | $366,701,750 | 1,281 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,116 |
| Cost of funding earning assets | 0.3091% | 4,026 |
| Net interest margin | 3.4449% | 3,707 |
| Noninterest income to average assets | 0.8068% | 1,684 |
| Noninterest expense to average assets | 2.7291% | 3,276 |
| Loan and lease loss provision to assets | 0.0618% | 2,898 |
| Net operating income to assets | 0.8265% | 3,187 |
| Return on assets (ROA) | 0.8604% | 3,171 |
| Pretax return on assets | 1.2287% | 2,673 |
| Return on Equity (ROE) | 8.5681% | 2,717 |
| Retained earnings to average equity (ytd only) | 3.9145% | 3,408 |
| Net charge-offs to loans | 0.2472% | 957 |
| Credit loss provision to net charge-offs | 49.8891% | 2,676 |
| Earnings coverage of net charge-offs (x) | 10.0200% | 2,364 |
| Efficiency ratio | 68.2149% | 3,296 |
| Assets per employee ($millions) | 4.1155% | 3,712 |
| Cash dividends to net income (ytd only)* | 54.3131% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 5,054 |
| Loan loss allowance to noncurrent loans | 72.1983% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 1,780 |
| Noncurrent loans to loans | 1.2052% | 1,913 |
| Net loans and leases to total assets | 49.3194% | 4,888 |
| Net loans and leases to deposits | 55.1634% | 5,071 |
| Net loans and leases to core deposits | 55.4576% | 5,204 |
| Total domestic deposits to total assets | 89.4059% | 726 |
| Equity capital to assets | 10.1309% | 4,055 |
| Core capital (leverage) ratio | 9.0222% | 4,802 |
| Tier 1 risk-based capital ratio | 14.6086% | 3,250 |
| Total risk-based capital ratio | 15.3218% | 3,483 |
| Memoranda: | ||
| Average total assets | $727,577,670 | 993 |
| Average earning assets | $668,340,670 | 999 |
| Average equity | $73,061,670 | 1,088 |
| Average total loans | $364,855,670 | 1,284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 3,990 |
| Cost of funding earning assets | 0.3269% | 3,879 |
| Net interest margin | 3.4605% | 3,621 |
| Noninterest income to average assets | 0.7895% | 1,663 |
| Noninterest expense to average assets | 2.8037% | 3,051 |
| Loan and lease loss provision to assets | 0.0415% | 3,094 |
| Net operating income to assets | 0.7922% | 3,284 |
| Return on assets (ROA) | 0.7922% | 3,387 |
| Pretax return on assets | 1.1302% | 2,972 |
| Return on Equity (ROE) | 7.9251% | 2,955 |
| Retained earnings to average equity (ytd only) | 3.2209% | 3,889 |
| Net charge-offs to loans | 0.1879% | 1,038 |
| Credit loss provision to net charge-offs | 43.8596% | 2,110 |
| Earnings coverage of net charge-offs (x) | 12.3860% | 1,798 |
| Efficiency ratio | 70.0111% | 3,127 |
| Assets per employee ($millions) | 4.2126% | 3,564 |
| Cash dividends to net income (ytd only)* | 59.3575% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 5,003 |
| Loan loss allowance to noncurrent loans | 72.5782% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 1,728 |
| Noncurrent loans to loans | 1.2619% | 1,920 |
| Net loans and leases to total assets | 48.9874% | 4,892 |
| Net loans and leases to deposits | 54.6199% | 5,067 |
| Net loans and leases to core deposits | 54.9115% | 5,190 |
| Total domestic deposits to total assets | 89.6878% | 744 |
| Equity capital to assets | 9.9450% | 4,152 |
| Core capital (leverage) ratio | 9.1820% | 4,619 |
| Tier 1 risk-based capital ratio | 15.1627% | 3,080 |
| Total risk-based capital ratio | 15.9436% | 3,231 |
| Memoranda: | ||
| Average total assets | $723,032,500 | 998 |
| Average earning assets | $665,688,500 | 1,000 |
| Average equity | $72,277,000 | 1,095 |
| Average total loans | $364,029,000 | 1,287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 3,714 |
| Cost of funding earning assets | 0.2162% | 5,132 |
| Net interest margin | 3.6816% | 2,821 |
| Noninterest income to average assets | 1.0033% | 1,176 |
| Noninterest expense to average assets | 2.9617% | 2,668 |
| Loan and lease loss provision to assets | 0.0096% | 4,209 |
| Net operating income to assets | 0.9979% | 2,372 |
| Return on assets (ROA) | 0.9979% | 2,472 |
| Pretax return on assets | 1.4110% | 1,853 |
| Return on Equity (ROE) | 8.7072% | 2,623 |
| Retained earnings to average equity (ytd only) | -21.9210% | 6,123 |
| Net charge-offs to loans | 0.4667% | 586 |
| Credit loss provision to net charge-offs | 3.3761% | 3,877 |
| Earnings coverage of net charge-offs (x) | 4.9737% | 3,458 |
| Efficiency ratio | 67.5307% | 3,659 |
| Assets per employee ($millions) | 4.0286% | 3,880 |
| Cash dividends to net income (ytd only)* | 351.7588% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,947 |
| Loan loss allowance to noncurrent loans | 55.2678% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.5523% | 1,281 |
| Noncurrent loans to loans | 1.6898% | 1,341 |
| Net loans and leases to total assets | 50.8013% | 4,797 |
| Net loans and leases to deposits | 56.7741% | 4,995 |
| Net loans and leases to core deposits | 57.0861% | 5,152 |
| Total domestic deposits to total assets | 89.4797% | 868 |
| Equity capital to assets | 10.0491% | 3,902 |
| Core capital (leverage) ratio | 12.1507% | 1,528 |
| Tier 1 risk-based capital ratio | 15.2571% | 3,053 |
| Total risk-based capital ratio | 16.0697% | 3,200 |
| Memoranda: | ||
| Average total assets | $518,514,200 | 1,296 |
| Average earning assets | $475,905,400 | 1,298 |
| Average equity | $59,422,400 | 1,272 |
| Average total loans | $317,319,000 | 1,399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 2,653 |
| Cost of funding earning assets | 0.2206% | 5,177 |
| Net interest margin | 3.9577% | 1,849 |
| Noninterest income to average assets | 1.1066% | 981 |
| Noninterest expense to average assets | 3.1911% | 1,994 |
| Loan and lease loss provision to assets | 0.0142% | 3,991 |
| Net operating income to assets | 1.0837% | 2,081 |
| Return on assets (ROA) | 1.0837% | 2,168 |
| Pretax return on assets | 1.5255% | 1,610 |
| Return on Equity (ROE) | 9.0339% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,449 |
| Net charge-offs to loans | 0.6124% | 366 |
| Credit loss provision to net charge-offs | 3.5663% | 3,500 |
| Earnings coverage of net charge-offs (x) | 3.8702% | 3,444 |
| Efficiency ratio | 67.4544% | 3,641 |
| Assets per employee ($millions) | 3.4264% | 4,930 |
| Cash dividends to net income (ytd only)* | 53.0243% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 4,052 |
| Loan loss allowance to noncurrent loans | 212.4012% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 3,930 |
| Noncurrent loans to loans | 0.5325% | 3,746 |
| Net loans and leases to total assets | 66.0240% | 3,008 |
| Net loans and leases to deposits | 75.7589% | 3,332 |
| Net loans and leases to core deposits | 76.0248% | 3,802 |
| Total domestic deposits to total assets | 87.1501% | 1,959 |
| Equity capital to assets | 12.3769% | 1,806 |
| Core capital (leverage) ratio | 11.1624% | 2,338 |
| Tier 1 risk-based capital ratio | 15.1348% | 3,226 |
| Total risk-based capital ratio | 16.1697% | 3,284 |
| Memoranda: | ||
| Average total assets | $469,876,000 | 1,445 |
| Average earning assets | $430,268,750 | 1,450 |
| Average equity | $56,363,750 | 1,336 |
| Average total loans | $305,233,250 | 1,457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,717 |
| Cost of funding earning assets | 0.2267% | 5,174 |
| Net interest margin | 3.9241% | 1,896 |
| Noninterest income to average assets | 1.1243% | 956 |
| Noninterest expense to average assets | 3.1691% | 2,066 |
| Loan and lease loss provision to assets | 0.0212% | 3,710 |
| Net operating income to assets | 1.0904% | 1,982 |
| Return on assets (ROA) | 1.0904% | 2,078 |
| Pretax return on assets | 1.5261% | 1,567 |
| Return on Equity (ROE) | 9.1853% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.3697% | 3,236 |
| Net charge-offs to loans | 0.8526% | 242 |
| Credit loss provision to net charge-offs | 3.8580% | 3,135 |
| Earnings coverage of net charge-offs (x) | 2.8194% | 3,283 |
| Efficiency ratio | 67.1934% | 3,800 |
| Assets per employee ($millions) | 3.4664% | 4,860 |
| Cash dividends to net income (ytd only)* | 52.4272% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,889 |
| Loan loss allowance to noncurrent loans | 212.2642% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 4,027 |
| Noncurrent loans to loans | 0.5576% | 3,779 |
| Net loans and leases to total assets | 63.2843% | 3,373 |
| Net loans and leases to deposits | 72.1291% | 3,709 |
| Net loans and leases to core deposits | 72.3736% | 4,098 |
| Total domestic deposits to total assets | 87.7377% | 1,777 |
| Equity capital to assets | 11.8602% | 2,133 |
| Core capital (leverage) ratio | 10.7022% | 2,731 |
| Tier 1 risk-based capital ratio | 14.8860% | 3,423 |
| Total risk-based capital ratio | 15.9466% | 3,460 |
| Memoranda: | ||
| Average total assets | $472,311,330 | 1,442 |
| Average earning assets | $432,355,670 | 1,450 |
| Average equity | $56,067,670 | 1,352 |
| Average total loans | $304,010,670 | 1,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,645 |
| Cost of funding earning assets | 0.2288% | 5,232 |
| Net interest margin | 3.9173% | 1,831 |
| Noninterest income to average assets | 1.1745% | 832 |
| Noninterest expense to average assets | 3.2177% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1133% | 1,823 |
| Return on assets (ROA) | 1.1133% | 1,929 |
| Pretax return on assets | 1.5337% | 1,447 |
| Return on Equity (ROE) | 9.3744% | 2,275 |
| Retained earnings to average equity (ytd only) | 4.5478% | 3,297 |
| Net charge-offs to loans | 1.5950% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.4901% | 2,912 |
| Efficiency ratio | 67.7212% | 3,875 |
| Assets per employee ($millions) | 3.4636% | 4,963 |
| Cash dividends to net income (ytd only)* | 51.4874% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 3,932 |
| Loan loss allowance to noncurrent loans | 208.9707% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 4,090 |
| Noncurrent loans to loans | 0.5781% | 3,847 |
| Net loans and leases to total assets | 63.0939% | 3,223 |
| Net loans and leases to deposits | 72.1539% | 3,521 |
| Net loans and leases to core deposits | 72.5190% | 3,913 |
| Total domestic deposits to total assets | 87.4436% | 2,145 |
| Equity capital to assets | 11.9713% | 2,047 |
| Core capital (leverage) ratio | 10.9494% | 2,461 |
| Tier 1 risk-based capital ratio | 14.8901% | 3,488 |
| Total risk-based capital ratio | 15.9737% | 3,517 |
| Memoranda: | ||
| Average total assets | $471,016,500 | 1,448 |
| Average earning assets | $430,093,000 | 1,462 |
| Average equity | $55,939,500 | 1,362 |
| Average total loans | $303,947,000 | 1,460 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,258 |
| Cost of funding earning assets | 0.2782% | 5,019 |
| Net interest margin | 4.1110% | 1,546 |
| Noninterest income to average assets | 1.1094% | 994 |
| Noninterest expense to average assets | 3.0503% | 2,687 |
| Loan and lease loss provision to assets | 0.0417% | 3,745 |
| Net operating income to assets | 1.2307% | 1,493 |
| Return on assets (ROA) | 1.2390% | 1,523 |
| Pretax return on assets | 1.7777% | 834 |
| Return on Equity (ROE) | 10.4492% | 1,930 |
| Retained earnings to average equity (ytd only) | 2.8420% | 4,213 |
| Net charge-offs to loans | 0.0881% | 3,231 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 30.9925% | 1,303 |
| Efficiency ratio | 62.7911% | 4,786 |
| Assets per employee ($millions) | 3.5148% | 4,876 |
| Cash dividends to net income (ytd only)* | 72.8013% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 2,162 |
| Loan loss allowance to noncurrent loans | 150.4969% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 3,473 |
| Noncurrent loans to loans | 1.0487% | 2,727 |
| Net loans and leases to total assets | 64.1658% | 3,203 |
| Net loans and leases to deposits | 73.1384% | 3,536 |
| Net loans and leases to core deposits | 73.6257% | 3,951 |
| Total domestic deposits to total assets | 87.7320% | 1,908 |
| Equity capital to assets | 11.7813% | 2,189 |
| Core capital (leverage) ratio | 10.5890% | 2,850 |
| Tier 1 risk-based capital ratio | 14.5515% | 3,746 |
| Total risk-based capital ratio | 15.8038% | 3,678 |
| Memoranda: | ||
| Average total assets | $456,091,000 | 1,462 |
| Average earning assets | $415,863,800 | 1,477 |
| Average equity | $54,080,800 | 1,348 |
| Average total loans | $302,019,400 | 1,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,146 |
| Cost of funding earning assets | 0.2857% | 5,035 |
| Net interest margin | 4.1382% | 1,467 |
| Noninterest income to average assets | 1.1221% | 964 |
| Noninterest expense to average assets | 2.9822% | 2,861 |
| Loan and lease loss provision to assets | 0.0560% | 3,252 |
| Net operating income to assets | 1.2960% | 1,382 |
| Return on assets (ROA) | 1.3072% | 1,409 |
| Pretax return on assets | 1.8781% | 751 |
| Return on Equity (ROE) | 11.0056% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.4096% | 4,852 |
| Net charge-offs to loans | 0.0253% | 3,998 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 114.1726% | 518 |
| Efficiency ratio | 60.8565% | 5,063 |
| Assets per employee ($millions) | 3.4748% | 4,910 |
| Cash dividends to net income (ytd only)* | 78.1059% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 2,170 |
| Loan loss allowance to noncurrent loans | 142.6757% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 3,464 |
| Noncurrent loans to loans | 1.1489% | 2,759 |
| Net loans and leases to total assets | 66.1292% | 2,845 |
| Net loans and leases to deposits | 75.4849% | 3,245 |
| Net loans and leases to core deposits | 76.0100% | 3,740 |
| Total domestic deposits to total assets | 87.6059% | 1,975 |
| Equity capital to assets | 11.9173% | 2,130 |
| Core capital (leverage) ratio | 10.7516% | 2,757 |
| Tier 1 risk-based capital ratio | 14.5678% | 3,842 |
| Total risk-based capital ratio | 15.8212% | 3,783 |
| Memoranda: | ||
| Average total assets | $452,368,000 | 1,479 |
| Average earning assets | $413,018,250 | 1,493 |
| Average equity | $53,729,000 | 1,365 |
| Average total loans | $300,760,250 | 1,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,070 |
| Cost of funding earning assets | 0.2931% | 5,033 |
| Net interest margin | 4.1346% | 1,413 |
| Noninterest income to average assets | 1.0332% | 1,113 |
| Noninterest expense to average assets | 2.9076% | 3,137 |
| Loan and lease loss provision to assets | 0.0511% | 3,283 |
| Net operating income to assets | 1.2735% | 1,380 |
| Return on assets (ROA) | 1.2903% | 1,394 |
| Pretax return on assets | 1.8713% | 726 |
| Return on Equity (ROE) | 10.8764% | 1,783 |
| Retained earnings to average equity (ytd only) | 2.2127% | 4,783 |
| Net charge-offs to loans | -0.0194% | 5,536 |
| Credit loss provision to net charge-offs | -396.5517% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5047% | 5,220 |
| Assets per employee ($millions) | 3.5021% | 4,846 |
| Cash dividends to net income (ytd only)* | 79.6558% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 2,288 |
| Loan loss allowance to noncurrent loans | 113.3841% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 3,092 |
| Noncurrent loans to loans | 1.4559% | 2,372 |
| Net loans and leases to total assets | 65.7879% | 2,785 |
| Net loans and leases to deposits | 77.9464% | 2,807 |
| Net loans and leases to core deposits | 78.6490% | 3,361 |
| Total domestic deposits to total assets | 84.4014% | 3,773 |
| Equity capital to assets | 11.7978% | 2,157 |
| Core capital (leverage) ratio | 10.6645% | 2,759 |
| Tier 1 risk-based capital ratio | 14.6779% | 3,823 |
| Total risk-based capital ratio | 15.9313% | 3,775 |
| Memoranda: | ||
| Average total assets | $450,267,670 | 1,481 |
| Average earning assets | $410,822,330 | 1,497 |
| Average equity | $53,418,330 | 1,365 |
| Average total loans | $298,224,000 | 1,438 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 2,159 |
| Cost of funding earning assets | 0.2969% | 5,094 |
| Net interest margin | 4.0973% | 1,455 |
| Noninterest income to average assets | 0.9058% | 1,373 |
| Noninterest expense to average assets | 2.9093% | 3,171 |
| Loan and lease loss provision to assets | 0.0224% | 3,538 |
| Net operating income to assets | 1.1919% | 1,505 |
| Return on assets (ROA) | 1.1919% | 1,575 |
| Pretax return on assets | 1.7112% | 957 |
| Return on Equity (ROE) | 10.0180% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.1183% | 3,047 |
| Net charge-offs to loans | -0.0871% | 6,065 |
| Credit loss provision to net charge-offs | -39.0625% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6618% | 5,039 |
| Assets per employee ($millions) | 3.4484% | 5,036 |
| Cash dividends to net income (ytd only)* | 48.9090% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 2,314 |
| Loan loss allowance to noncurrent loans | 101.7669% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 2,956 |
| Noncurrent loans to loans | 1.6820% | 2,307 |
| Net loans and leases to total assets | 64.1847% | 2,860 |
| Net loans and leases to deposits | 74.9982% | 2,944 |
| Net loans and leases to core deposits | 75.6928% | 3,441 |
| Total domestic deposits to total assets | 85.5817% | 3,567 |
| Equity capital to assets | 11.9786% | 1,885 |
| Core capital (leverage) ratio | 10.9355% | 2,455 |
| Tier 1 risk-based capital ratio | 15.2976% | 3,551 |
| Total risk-based capital ratio | 16.5519% | 3,502 |
| Memoranda: | ||
| Average total assets | $446,012,000 | 1,500 |
| Average earning assets | $406,805,500 | 1,514 |
| Average equity | $53,064,500 | 1,372 |
| Average total loans | $293,892,500 | 1,461 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 2,510 |
| Cost of funding earning assets | 0.4029% | 4,619 |
| Net interest margin | 4.0175% | 1,901 |
| Noninterest income to average assets | 1.0331% | 1,316 |
| Noninterest expense to average assets | 2.8737% | 3,448 |
| Loan and lease loss provision to assets | 0.1599% | 2,282 |
| Net operating income to assets | 1.1473% | 1,768 |
| Return on assets (ROA) | 1.1517% | 1,817 |
| Pretax return on assets | 1.6708% | 1,015 |
| Return on Equity (ROE) | 9.9515% | 2,136 |
| Retained earnings to average equity (ytd only) | 4.5383% | 2,937 |
| Net charge-offs to loans | 0.1855% | 2,982 |
| Credit loss provision to net charge-offs | 134.5083% | 1,749 |
| Earnings coverage of net charge-offs (x) | 15.3432% | 1,874 |
| Efficiency ratio | 61.1682% | 5,336 |
| Assets per employee ($millions) | 3.4667% | 4,965 |
| Cash dividends to net income (ytd only)* | 54.3957% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 2,504 |
| Loan loss allowance to noncurrent loans | 89.8503% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 2,744 |
| Noncurrent loans to loans | 1.8567% | 2,161 |
| Net loans and leases to total assets | 65.3811% | 2,796 |
| Net loans and leases to deposits | 77.5345% | 2,785 |
| Net loans and leases to core deposits | 78.5006% | 3,299 |
| Total domestic deposits to total assets | 84.3252% | 4,042 |
| Equity capital to assets | 11.8157% | 1,937 |
| Core capital (leverage) ratio | 10.8934% | 2,483 |
| Tier 1 risk-based capital ratio | 14.8565% | 3,747 |
| Total risk-based capital ratio | 16.1101% | 3,695 |
| Memoranda: | ||
| Average total assets | $453,317,000 | 1,467 |
| Average earning assets | $413,538,600 | 1,471 |
| Average equity | $52,464,200 | 1,352 |
| Average total loans | $290,575,400 | 1,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,642 |
| Cost of funding earning assets | 0.4217% | 4,592 |
| Net interest margin | 3.9631% | 2,061 |
| Noninterest income to average assets | 1.0503% | 1,324 |
| Noninterest expense to average assets | 2.8266% | 3,573 |
| Loan and lease loss provision to assets | 0.1682% | 2,159 |
| Net operating income to assets | 1.1498% | 1,814 |
| Return on assets (ROA) | 1.1557% | 1,861 |
| Pretax return on assets | 1.6829% | 1,138 |
| Return on Equity (ROE) | 10.0367% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.6536% | 2,633 |
| Net charge-offs to loans | 0.1875% | 2,722 |
| Credit loss provision to net charge-offs | 141.2776% | 1,661 |
| Earnings coverage of net charge-offs (x) | 15.4743% | 1,860 |
| Efficiency ratio | 60.5364% | 5,354 |
| Assets per employee ($millions) | 3.4703% | 4,901 |
| Cash dividends to net income (ytd only)* | 43.6708% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 2,749 |
| Loan loss allowance to noncurrent loans | 95.1125% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 3,177 |
| Noncurrent loans to loans | 1.7505% | 2,569 |
| Net loans and leases to total assets | 64.6996% | 2,876 |
| Net loans and leases to deposits | 76.7307% | 2,856 |
| Net loans and leases to core deposits | 77.6280% | 3,405 |
| Total domestic deposits to total assets | 84.3204% | 4,059 |
| Equity capital to assets | 11.7284% | 2,108 |
| Core capital (leverage) ratio | 10.7627% | 2,711 |
| Tier 1 risk-based capital ratio | 14.8360% | 3,851 |
| Total risk-based capital ratio | 16.0896% | 3,810 |
| Memoranda: | ||
| Average total assets | $455,713,250 | 1,462 |
| Average earning assets | $416,128,750 | 1,473 |
| Average equity | $52,472,750 | 1,366 |
| Average total loans | $289,459,500 | 1,469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,800 |
| Cost of funding earning assets | 0.4328% | 4,630 |
| Net interest margin | 3.9052% | 2,197 |
| Noninterest income to average assets | 1.0223% | 1,461 |
| Noninterest expense to average assets | 2.8072% | 3,653 |
| Loan and lease loss provision to assets | 0.2072% | 1,823 |
| Net operating income to assets | 1.0823% | 1,985 |
| Return on assets (ROA) | 1.0886% | 2,077 |
| Pretax return on assets | 1.5799% | 1,424 |
| Return on Equity (ROE) | 9.5116% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,971 |
| Net charge-offs to loans | 0.2613% | 2,161 |
| Credit loss provision to net charge-offs | 126.3298% | 1,785 |
| Earnings coverage of net charge-offs (x) | 10.8378% | 2,117 |
| Efficiency ratio | 61.2237% | 5,292 |
| Assets per employee ($millions) | 3.6262% | 4,559 |
| Cash dividends to net income (ytd only)* | 46.0922% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 2,892 |
| Loan loss allowance to noncurrent loans | 82.0326% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 3,051 |
| Noncurrent loans to loans | 2.0383% | 2,359 |
| Net loans and leases to total assets | 61.7393% | 3,343 |
| Net loans and leases to deposits | 72.8989% | 3,319 |
| Net loans and leases to core deposits | 73.7215% | 3,854 |
| Total domestic deposits to total assets | 84.6917% | 4,045 |
| Equity capital to assets | 11.3129% | 2,450 |
| Core capital (leverage) ratio | 10.2643% | 3,149 |
| Tier 1 risk-based capital ratio | 14.6549% | 3,996 |
| Total risk-based capital ratio | 15.9081% | 3,955 |
| Memoranda: | ||
| Average total assets | $458,396,330 | 1,450 |
| Average earning assets | $418,216,670 | 1,461 |
| Average equity | $52,462,330 | 1,369 |
| Average total loans | $287,765,670 | 1,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,626 |
| Cost of funding earning assets | 0.4439% | 4,661 |
| Net interest margin | 3.9249% | 2,032 |
| Noninterest income to average assets | 0.9901% | 1,489 |
| Noninterest expense to average assets | 2.8277% | 3,605 |
| Loan and lease loss provision to assets | 0.2187% | 1,696 |
| Net operating income to assets | 1.0577% | 2,007 |
| Return on assets (ROA) | 1.0706% | 2,074 |
| Pretax return on assets | 1.5350% | 1,469 |
| Return on Equity (ROE) | 9.3002% | 2,351 |
| Retained earnings to average equity (ytd only) | 4.9312% | 3,277 |
| Net charge-offs to loans | 0.2703% | 1,876 |
| Credit loss provision to net charge-offs | 128.8660% | 1,528 |
| Earnings coverage of net charge-offs (x) | 10.2268% | 1,767 |
| Efficiency ratio | 61.9705% | 5,305 |
| Assets per employee ($millions) | 3.6445% | 4,688 |
| Cash dividends to net income (ytd only)* | 46.9771% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,094 |
| Loan loss allowance to noncurrent loans | 78.5188% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 3,064 |
| Noncurrent loans to loans | 2.1385% | 2,452 |
| Net loans and leases to total assets | 61.5925% | 3,147 |
| Net loans and leases to deposits | 72.9739% | 3,058 |
| Net loans and leases to core deposits | 73.8072% | 3,604 |
| Total domestic deposits to total assets | 84.4034% | 4,314 |
| Equity capital to assets | 11.5934% | 2,339 |
| Core capital (leverage) ratio | 10.2256% | 3,112 |
| Tier 1 risk-based capital ratio | 14.6591% | 4,059 |
| Total risk-based capital ratio | 15.9125% | 4,023 |
| Memoranda: | ||
| Average total assets | $457,331,000 | 1,472 |
| Average earning assets | $416,317,500 | 1,480 |
| Average equity | $52,644,000 | 1,381 |
| Average total loans | $287,068,000 | 1,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 3,111 |
| Cost of funding earning assets | 0.6043% | 4,307 |
| Net interest margin | 3.9687% | 2,532 |
| Noninterest income to average assets | 0.9927% | 1,555 |
| Noninterest expense to average assets | 3.0009% | 3,270 |
| Loan and lease loss provision to assets | 0.3386% | 1,984 |
| Net operating income to assets | 0.9008% | 2,816 |
| Return on assets (ROA) | 0.9008% | 3,053 |
| Pretax return on assets | 1.2662% | 2,535 |
| Return on Equity (ROE) | 7.8973% | 3,131 |
| Retained earnings to average equity (ytd only) | 3.6148% | 3,666 |
| Net charge-offs to loans | 0.3427% | 2,919 |
| Credit loss provision to net charge-offs | 157.0546% | 1,715 |
| Earnings coverage of net charge-offs (x) | 7.4439% | 2,599 |
| Efficiency ratio | 65.0019% | 4,703 |
| Assets per employee ($millions) | 3.6728% | 4,621 |
| Cash dividends to net income (ytd only)* | 54.2273% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,146 |
| Loan loss allowance to noncurrent loans | 60.2468% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 2,744 |
| Noncurrent loans to loans | 2.7224% | 1,944 |
| Net loans and leases to total assets | 61.8636% | 3,270 |
| Net loans and leases to deposits | 73.8114% | 3,124 |
| Net loans and leases to core deposits | 75.1210% | 3,643 |
| Total domestic deposits to total assets | 83.8131% | 4,401 |
| Equity capital to assets | 11.4295% | 2,510 |
| Core capital (leverage) ratio | 10.0026% | 3,392 |
| Tier 1 risk-based capital ratio | 14.3464% | 4,129 |
| Total risk-based capital ratio | 15.5995% | 4,088 |
| Memoranda: | ||
| Average total assets | $450,401,400 | 1,466 |
| Average earning assets | $410,034,400 | 1,473 |
| Average equity | $51,372,000 | 1,384 |
| Average total loans | $283,314,600 | 1,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 3,183 |
| Cost of funding earning assets | 0.6327% | 4,337 |
| Net interest margin | 3.9721% | 2,612 |
| Noninterest income to average assets | 0.9557% | 1,655 |
| Noninterest expense to average assets | 3.0900% | 2,918 |
| Loan and lease loss provision to assets | 0.3346% | 1,955 |
| Net operating income to assets | 0.8287% | 3,311 |
| Return on assets (ROA) | 0.8287% | 3,552 |
| Pretax return on assets | 1.1500% | 3,159 |
| Return on Equity (ROE) | 7.2697% | 3,652 |
| Retained earnings to average equity (ytd only) | 2.9642% | 4,776 |
| Net charge-offs to loans | 0.3386% | 2,763 |
| Credit loss provision to net charge-offs | 157.1229% | 1,789 |
| Earnings coverage of net charge-offs (x) | 6.9707% | 2,688 |
| Efficiency ratio | 67.3386% | 4,207 |
| Assets per employee ($millions) | 3.5255% | 4,919 |
| Cash dividends to net income (ytd only)* | 59.2249% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 3,537 |
| Loan loss allowance to noncurrent loans | 56.7771% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 2,852 |
| Noncurrent loans to loans | 2.8090% | 2,004 |
| Net loans and leases to total assets | 61.8076% | 3,423 |
| Net loans and leases to deposits | 73.6566% | 3,347 |
| Net loans and leases to core deposits | 74.9768% | 3,853 |
| Total domestic deposits to total assets | 83.9132% | 4,262 |
| Equity capital to assets | 11.2953% | 2,942 |
| Core capital (leverage) ratio | 9.8607% | 3,745 |
| Tier 1 risk-based capital ratio | 14.2465% | 4,352 |
| Total risk-based capital ratio | 15.4992% | 4,320 |
| Memoranda: | ||
| Average total assets | $448,226,750 | 1,489 |
| Average earning assets | $408,373,500 | 1,496 |
| Average equity | $51,096,750 | 1,396 |
| Average total loans | $281,955,250 | 1,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 3,227 |
| Cost of funding earning assets | 0.6723% | 4,250 |
| Net interest margin | 3.9587% | 2,685 |
| Noninterest income to average assets | 0.9648% | 1,561 |
| Noninterest expense to average assets | 2.9222% | 3,531 |
| Loan and lease loss provision to assets | 0.3484% | 1,887 |
| Net operating income to assets | 0.9162% | 2,829 |
| Return on assets (ROA) | 0.9162% | 3,091 |
| Pretax return on assets | 1.2943% | 2,577 |
| Return on Equity (ROE) | 8.0121% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.6876% | 4,143 |
| Net charge-offs to loans | 0.3750% | 2,517 |
| Credit loss provision to net charge-offs | 147.6190% | 1,874 |
| Earnings coverage of net charge-offs (x) | 6.9600% | 2,552 |
| Efficiency ratio | 63.7187% | 4,943 |
| Assets per employee ($millions) | 3.4903% | 5,009 |
| Cash dividends to net income (ytd only)* | 53.9745% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,675 |
| Loan loss allowance to noncurrent loans | 58.5392% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7982% | 3,042 |
| Noncurrent loans to loans | 2.6980% | 2,228 |
| Net loans and leases to total assets | 60.8684% | 3,649 |
| Net loans and leases to deposits | 72.5779% | 3,522 |
| Net loans and leases to core deposits | 73.9441% | 4,043 |
| Total domestic deposits to total assets | 83.8663% | 4,367 |
| Equity capital to assets | 11.3523% | 2,734 |
| Core capital (leverage) ratio | 9.9167% | 3,539 |
| Tier 1 risk-based capital ratio | 14.4154% | 4,164 |
| Total risk-based capital ratio | 15.6678% | 4,127 |
| Memoranda: | ||
| Average total assets | $444,864,330 | 1,499 |
| Average earning assets | $404,581,000 | 1,505 |
| Average equity | $50,873,000 | 1,394 |
| Average total loans | $279,985,670 | 1,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 3,034 |
| Cost of funding earning assets | 0.7057% | 4,231 |
| Net interest margin | 3.9992% | 2,512 |
| Noninterest income to average assets | 0.9527% | 1,558 |
| Noninterest expense to average assets | 2.9462% | 3,461 |
| Loan and lease loss provision to assets | 0.4314% | 1,451 |
| Net operating income to assets | 0.8628% | 3,092 |
| Return on assets (ROA) | 0.8628% | 3,325 |
| Pretax return on assets | 1.2088% | 2,880 |
| Return on Equity (ROE) | 7.5166% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.1649% | 4,667 |
| Net charge-offs to loans | 0.6136% | 1,559 |
| Credit loss provision to net charge-offs | 110.7226% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.2098% | 2,634 |
| Efficiency ratio | 63.9406% | 4,935 |
| Assets per employee ($millions) | 3.3430% | 5,469 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 4,061 |
| Loan loss allowance to noncurrent loans | 56.6301% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 3,153 |
| Noncurrent loans to loans | 2.6870% | 2,426 |
| Net loans and leases to total assets | 62.0087% | 3,254 |
| Net loans and leases to deposits | 74.1602% | 3,099 |
| Net loans and leases to core deposits | 75.5971% | 3,674 |
| Total domestic deposits to total assets | 83.6145% | 4,669 |
| Equity capital to assets | 11.4630% | 2,472 |
| Core capital (leverage) ratio | 10.0737% | 3,283 |
| Tier 1 risk-based capital ratio | 14.6818% | 3,965 |
| Total risk-based capital ratio | 15.9337% | 3,926 |
| Memoranda: | ||
| Average total assets | $440,426,000 | 1,513 |
| Average earning assets | $400,179,000 | 1,518 |
| Average equity | $50,554,500 | 1,400 |
| Average total loans | $279,670,000 | 1,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 3,276 |
| Cost of funding earning assets | 0.9399% | 3,787 |
| Net interest margin | 3.9778% | 2,993 |
| Noninterest income to average assets | 0.9896% | 1,395 |
| Noninterest expense to average assets | 2.8710% | 4,075 |
| Loan and lease loss provision to assets | 0.4101% | 2,539 |
| Net operating income to assets | 0.9318% | 2,476 |
| Return on assets (ROA) | 0.9246% | 2,625 |
| Pretax return on assets | 1.2875% | 2,183 |
| Return on Equity (ROE) | 8.4027% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.9104% | 3,428 |
| Net charge-offs to loans | 0.4411% | 3,230 |
| Credit loss provision to net charge-offs | 142.3557% | 2,045 |
| Earnings coverage of net charge-offs (x) | 5.9275% | 2,642 |
| Efficiency ratio | 62.3822% | 5,395 |
| Assets per employee ($millions) | 3.2804% | 5,553 |
| Cash dividends to net income (ytd only)* | 53.4629% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,542 |
| Loan loss allowance to noncurrent loans | 41.2891% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5410% | 3,637 |
| Noncurrent loans to loans | 2.1717% | 2,983 |
| Net loans and leases to total assets | 63.4608% | 3,298 |
| Net loans and leases to deposits | 76.4611% | 3,101 |
| Net loans and leases to core deposits | 78.0152% | 3,689 |
| Total domestic deposits to total assets | 82.9976% | 4,749 |
| Equity capital to assets | 11.4941% | 2,512 |
| Core capital (leverage) ratio | 10.0555% | 3,273 |
| Tier 1 risk-based capital ratio | 16.1114% | 2,988 |
| Total risk-based capital ratio | 17.0464% | 3,118 |
| Memoranda: | ||
| Average total assets | $445,039,600 | 1,468 |
| Average earning assets | $401,525,600 | 1,482 |
| Average equity | $48,972,200 | 1,392 |
| Average total loans | $290,609,000 | 1,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 3,364 |
| Cost of funding earning assets | 0.9806% | 3,815 |
| Net interest margin | 3.9635% | 3,084 |
| Noninterest income to average assets | 0.9477% | 1,491 |
| Noninterest expense to average assets | 2.8637% | 4,087 |
| Loan and lease loss provision to assets | 0.3957% | 2,485 |
| Net operating income to assets | 0.9130% | 2,694 |
| Return on assets (ROA) | 0.9113% | 2,833 |
| Pretax return on assets | 1.2652% | 2,415 |
| Return on Equity (ROE) | 8.3729% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.8448% | 3,991 |
| Net charge-offs to loans | 0.3696% | 3,243 |
| Credit loss provision to net charge-offs | 163.1773% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.8584% | 2,469 |
| Efficiency ratio | 62.9214% | 5,255 |
| Assets per employee ($millions) | 3.2702% | 5,536 |
| Cash dividends to net income (ytd only)* | 54.0807% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,692 |
| Loan loss allowance to noncurrent loans | 40.1999% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 3,850 |
| Noncurrent loans to loans | 2.1493% | 3,180 |
| Net loans and leases to total assets | 65.3021% | 3,054 |
| Net loans and leases to deposits | 78.9036% | 2,827 |
| Net loans and leases to core deposits | 80.5900% | 3,549 |
| Total domestic deposits to total assets | 82.7618% | 4,773 |
| Equity capital to assets | 11.4310% | 2,749 |
| Core capital (leverage) ratio | 9.9667% | 3,481 |
| Tier 1 risk-based capital ratio | 15.6845% | 3,288 |
| Total risk-based capital ratio | 16.5950% | 3,432 |
| Memoranda: | ||
| Average total assets | $446,406,500 | 1,480 |
| Average earning assets | $403,140,250 | 1,493 |
| Average equity | $48,584,000 | 1,408 |
| Average total loans | $292,891,250 | 1,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 3,438 |
| Cost of funding earning assets | 1.0200% | 3,819 |
| Net interest margin | 3.9208% | 3,214 |
| Noninterest income to average assets | 0.9173% | 1,596 |
| Noninterest expense to average assets | 2.8485% | 4,236 |
| Loan and lease loss provision to assets | 0.4119% | 2,375 |
| Net operating income to assets | 0.8696% | 2,769 |
| Return on assets (ROA) | 0.8634% | 2,893 |
| Pretax return on assets | 1.1831% | 2,547 |
| Return on Equity (ROE) | 8.0654% | 2,923 |
| Retained earnings to average equity (ytd only) | 3.4899% | 4,029 |
| Net charge-offs to loans | 0.4546% | 2,759 |
| Credit loss provision to net charge-offs | 138.2661% | 2,207 |
| Earnings coverage of net charge-offs (x) | 5.3827% | 2,621 |
| Efficiency ratio | 63.6227% | 5,317 |
| Assets per employee ($millions) | 3.3252% | 5,376 |
| Cash dividends to net income (ytd only)* | 56.7303% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 6,926 |
| Loan loss allowance to noncurrent loans | 37.8960% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 4,041 |
| Noncurrent loans to loans | 2.0219% | 3,448 |
| Net loans and leases to total assets | 65.0211% | 3,253 |
| Net loans and leases to deposits | 78.3824% | 3,060 |
| Net loans and leases to core deposits | 79.9804% | 3,789 |
| Total domestic deposits to total assets | 82.9537% | 4,774 |
| Equity capital to assets | 11.0209% | 2,930 |
| Core capital (leverage) ratio | 9.6584% | 3,722 |
| Tier 1 risk-based capital ratio | 15.3035% | 3,346 |
| Total risk-based capital ratio | 16.1111% | 3,540 |
| Memoranda: | ||
| Average total assets | $449,141,330 | 1,484 |
| Average earning assets | $404,915,330 | 1,501 |
| Average equity | $48,081,670 | 1,407 |
| Average total loans | $294,305,330 | 1,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 3,584 |
| Cost of funding earning assets | 1.0377% | 3,937 |
| Net interest margin | 3.8644% | 3,323 |
| Noninterest income to average assets | 0.8880% | 1,701 |
| Noninterest expense to average assets | 2.7996% | 4,448 |
| Loan and lease loss provision to assets | 0.4435% | 1,986 |
| Net operating income to assets | 0.8259% | 2,903 |
| Return on assets (ROA) | 0.8259% | 2,965 |
| Pretax return on assets | 1.1301% | 2,644 |
| Return on Equity (ROE) | 7.8286% | 2,991 |
| Retained earnings to average equity (ytd only) | 3.2038% | 4,252 |
| Net charge-offs to loans | 0.3411% | 2,695 |
| Credit loss provision to net charge-offs | 198.4127% | 1,500 |
| Earnings coverage of net charge-offs (x) | 7.0397% | 2,011 |
| Efficiency ratio | 63.6308% | 5,424 |
| Assets per employee ($millions) | 3.4040% | 5,231 |
| Cash dividends to net income (ytd only)* | 59.0763% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 6,975 |
| Loan loss allowance to noncurrent loans | 41.7964% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 4,244 |
| Noncurrent loans to loans | 1.8386% | 3,781 |
| Net loans and leases to total assets | 64.0562% | 3,428 |
| Net loans and leases to deposits | 76.7011% | 3,299 |
| Net loans and leases to core deposits | 78.2277% | 3,987 |
| Total domestic deposits to total assets | 83.5141% | 4,697 |
| Equity capital to assets | 10.6267% | 3,061 |
| Core capital (leverage) ratio | 9.4505% | 3,884 |
| Tier 1 risk-based capital ratio | 15.3442% | 3,236 |
| Total risk-based capital ratio | 16.1603% | 3,436 |
| Memoranda: | ||
| Average total assets | $450,922,000 | 1,488 |
| Average earning assets | $406,684,000 | 1,499 |
| Average equity | $47,569,000 | 1,411 |
| Average total loans | $295,479,000 | 1,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 3,740 |
| Cost of funding earning assets | 1.3341% | 3,664 |
| Net interest margin | 3.8381% | 3,783 |
| Noninterest income to average assets | 0.8244% | 2,169 |
| Noninterest expense to average assets | 2.7168% | 4,919 |
| Loan and lease loss provision to assets | 0.4462% | 3,454 |
| Net operating income to assets | 0.7992% | 2,806 |
| Return on assets (ROA) | 0.8700% | 2,644 |
| Pretax return on assets | 1.2298% | 2,140 |
| Return on Equity (ROE) | 8.4967% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.6088% | 2,051 |
| Net charge-offs to loans | 0.5836% | 3,291 |
| Credit loss provision to net charge-offs | 113.2296% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.9978% | 3,113 |
| Efficiency ratio | 62.9261% | 5,533 |
| Assets per employee ($millions) | 3.3770% | 5,224 |
| Cash dividends to net income (ytd only)* | 33.9879% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 7,190 |
| Loan loss allowance to noncurrent loans | 36.4556% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,363 |
| Noncurrent loans to loans | 1.8059% | 3,809 |
| Net loans and leases to total assets | 66.0586% | 3,457 |
| Net loans and leases to deposits | 78.9756% | 3,343 |
| Net loans and leases to core deposits | 80.4622% | 4,143 |
| Total domestic deposits to total assets | 83.6443% | 4,530 |
| Equity capital to assets | 10.4724% | 3,181 |
| Core capital (leverage) ratio | 9.3198% | 3,976 |
| Tier 1 risk-based capital ratio | 14.8349% | 3,349 |
| Total risk-based capital ratio | 15.5408% | 3,635 |
| Memoranda: | ||
| Average total assets | $456,572,600 | 1,455 |
| Average earning assets | $412,491,000 | 1,475 |
| Average equity | $46,747,600 | 1,432 |
| Average total loans | $308,284,400 | 1,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 3,748 |
| Cost of funding earning assets | 1.3775% | 3,727 |
| Net interest margin | 3.8411% | 3,795 |
| Noninterest income to average assets | 0.7687% | 2,395 |
| Noninterest expense to average assets | 2.7145% | 4,818 |
| Loan and lease loss provision to assets | 0.4283% | 3,341 |
| Net operating income to assets | 0.7782% | 3,094 |
| Return on assets (ROA) | 0.8733% | 2,856 |
| Pretax return on assets | 1.2284% | 2,395 |
| Return on Equity (ROE) | 8.5772% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.2877% | 2,209 |
| Net charge-offs to loans | 0.5589% | 3,077 |
| Credit loss provision to net charge-offs | 113.0769% | 3,717 |
| Earnings coverage of net charge-offs (x) | 4.0177% | 3,213 |
| Efficiency ratio | 63.6976% | 5,298 |
| Assets per employee ($millions) | 3.3816% | 5,253 |
| Cash dividends to net income (ytd only)* | 26.6934% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 7,313 |
| Loan loss allowance to noncurrent loans | 34.8897% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 4,220 |
| Noncurrent loans to loans | 1.7918% | 3,959 |
| Net loans and leases to total assets | 67.1074% | 3,435 |
| Net loans and leases to deposits | 82.1176% | 3,084 |
| Net loans and leases to core deposits | 83.7141% | 3,992 |
| Total domestic deposits to total assets | 81.7210% | 5,108 |
| Equity capital to assets | 10.5983% | 3,409 |
| Core capital (leverage) ratio | 9.2289% | 4,319 |
| Tier 1 risk-based capital ratio | 14.4693% | 3,523 |
| Total risk-based capital ratio | 15.1415% | 3,894 |
| Memoranda: | ||
| Average total assets | $457,587,000 | 1,471 |
| Average earning assets | $413,101,250 | 1,493 |
| Average equity | $46,587,250 | 1,452 |
| Average total loans | $310,129,000 | 1,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 3,843 |
| Cost of funding earning assets | 1.4187% | 3,753 |
| Net interest margin | 3.8025% | 3,881 |
| Noninterest income to average assets | 0.7328% | 2,499 |
| Noninterest expense to average assets | 2.6358% | 5,190 |
| Loan and lease loss provision to assets | 0.3834% | 3,416 |
| Net operating income to assets | 0.8177% | 2,889 |
| Return on assets (ROA) | 0.9014% | 2,664 |
| Pretax return on assets | 1.2691% | 2,190 |
| Return on Equity (ROE) | 8.9746% | 2,474 |
| Retained earnings to average equity (ytd only) | 7.8902% | 1,483 |
| Net charge-offs to loans | 0.4597% | 3,162 |
| Credit loss provision to net charge-offs | 122.9050% | 3,291 |
| Earnings coverage of net charge-offs (x) | 4.9162% | 2,806 |
| Efficiency ratio | 62.8318% | 5,552 |
| Assets per employee ($millions) | 3.4997% | 4,927 |
| Cash dividends to net income (ytd only)* | 12.0831% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 7,390 |
| Loan loss allowance to noncurrent loans | 45.3832% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,929 |
| Noncurrent loans to loans | 1.3531% | 4,683 |
| Net loans and leases to total assets | 67.3198% | 3,542 |
| Net loans and leases to deposits | 83.1147% | 3,050 |
| Net loans and leases to core deposits | 84.7690% | 4,028 |
| Total domestic deposits to total assets | 80.9963% | 5,399 |
| Equity capital to assets | 10.3115% | 3,635 |
| Core capital (leverage) ratio | 9.0247% | 4,560 |
| Tier 1 risk-based capital ratio | 14.0437% | 3,694 |
| Total risk-based capital ratio | 14.7005% | 4,065 |
| Memoranda: | ||
| Average total assets | $459,070,000 | 1,488 |
| Average earning assets | $414,880,670 | 1,492 |
| Average equity | $46,108,000 | 1,460 |
| Average total loans | $311,504,670 | 1,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 4,067 |
| Cost of funding earning assets | 1.4547% | 3,839 |
| Net interest margin | 3.7374% | 4,063 |
| Noninterest income to average assets | 0.6914% | 2,656 |
| Noninterest expense to average assets | 2.4555% | 5,893 |
| Loan and lease loss provision to assets | 0.4005% | 2,970 |
| Net operating income to assets | 0.8362% | 2,808 |
| Return on assets (ROA) | 0.9038% | 2,598 |
| Pretax return on assets | 1.3105% | 2,021 |
| Return on Equity (ROE) | 9.1203% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.1203% | 1,366 |
| Net charge-offs to loans | 0.6628% | 2,165 |
| Credit loss provision to net charge-offs | 88.9749% | 3,682 |
| Earnings coverage of net charge-offs (x) | 3.5803% | 2,858 |
| Efficiency ratio | 59.9657% | 6,181 |
| Assets per employee ($millions) | 3.4818% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5444% | 7,554 |
| Loan loss allowance to noncurrent loans | 28.3361% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 4,261 |
| Noncurrent loans to loans | 1.9214% | 3,900 |
| Net loans and leases to total assets | 66.5100% | 3,746 |
| Net loans and leases to deposits | 80.2749% | 3,608 |
| Net loans and leases to core deposits | 81.8480% | 4,512 |
| Total domestic deposits to total assets | 82.8528% | 4,699 |
| Equity capital to assets | 9.9734% | 3,905 |
| Core capital (leverage) ratio | 8.7547% | 4,934 |
| Tier 1 risk-based capital ratio | 13.8973% | 3,727 |
| Total risk-based capital ratio | 14.4833% | 4,133 |
| Memoranda: | ||
| Average total assets | $459,376,000 | 1,530 |
| Average earning assets | $414,939,500 | 1,532 |
| Average equity | $45,525,000 | 1,479 |
| Average total loans | $311,987,000 | 1,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 4,473 |
| Cost of funding earning assets | 2.0310% | 2,815 |
| Net interest margin | 3.4129% | 5,320 |
| Noninterest income to average assets | 0.7555% | 2,641 |
| Noninterest expense to average assets | 2.8424% | 4,778 |
| Loan and lease loss provision to assets | 0.9420% | 2,392 |
| Net operating income to assets | 0.1735% | 4,986 |
| Return on assets (ROA) | 0.2001% | 4,969 |
| Pretax return on assets | 0.0953% | 5,233 |
| Return on Equity (ROE) | 1.9934% | 4,909 |
| Retained earnings to average equity (ytd only) | -4.5711% | 5,967 |
| Net charge-offs to loans | 1.3994% | 1,793 |
| Credit loss provision to net charge-offs | 95.5447% | 5,798 |
| Earnings coverage of net charge-offs (x) | 1.0252% | 5,088 |
| Efficiency ratio | 73.3527% | 4,025 |
| Assets per employee ($millions) | 3.3020% | 5,483 |
| Cash dividends to net income (ytd only)* | 329.3085% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 7,610 |
| Loan loss allowance to noncurrent loans | 27.5182% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 4,005 |
| Noncurrent loans to loans | 2.0153% | 3,632 |
| Net loans and leases to total assets | 68.5910% | 3,572 |
| Net loans and leases to deposits | 83.2171% | 3,420 |
| Net loans and leases to core deposits | 89.9397% | 5,132 |
| Total domestic deposits to total assets | 82.4243% | 4,765 |
| Equity capital to assets | 9.8460% | 3,949 |
| Core capital (leverage) ratio | 8.6578% | 5,000 |
| Tier 1 risk-based capital ratio | 13.3862% | 3,895 |
| Total risk-based capital ratio | 13.9856% | 4,279 |
| Memoranda: | ||
| Average total assets | $455,316,200 | 1,521 |
| Average earning assets | $413,252,000 | 1,532 |
| Average equity | $45,700,200 | 1,471 |
| Average total loans | $320,769,600 | 1,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 4,636 |
| Cost of funding earning assets | 2.0186% | 3,258 |
| Net interest margin | 3.4405% | 5,111 |
| Noninterest income to average assets | 0.7556% | 2,679 |
| Noninterest expense to average assets | 2.9131% | 4,402 |
| Loan and lease loss provision to assets | 0.9853% | 1,941 |
| Net operating income to assets | 0.1192% | 5,407 |
| Return on assets (ROA) | 0.1555% | 5,361 |
| Pretax return on assets | 0.0217% | 5,666 |
| Return on Equity (ROE) | 1.5421% | 5,317 |
| Retained earnings to average equity (ytd only) | -7.1706% | 6,525 |
| Net charge-offs to loans | 1.4024% | 1,469 |
| Credit loss provision to net charge-offs | 99.2038% | 5,152 |
| Earnings coverage of net charge-offs (x) | 0.9773% | 5,078 |
| Efficiency ratio | 74.5928% | 3,766 |
| Assets per employee ($millions) | 3.2651% | 5,478 |
| Cash dividends to net income (ytd only)* | 564.9736% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,589 |
| Loan loss allowance to noncurrent loans | 27.6919% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 1.6985% | 3,829 |
| Noncurrent loans to loans | 2.1482% | 3,446 |
| Net loans and leases to total assets | 70.0412% | 3,507 |
| Net loans and leases to deposits | 86.4292% | 3,241 |
| Net loans and leases to core deposits | 95.3755% | 4,884 |
| Total domestic deposits to total assets | 81.0388% | 5,069 |
| Equity capital to assets | 9.8559% | 4,274 |
| Core capital (leverage) ratio | 8.5523% | 5,395 |
| Tier 1 risk-based capital ratio | 12.9452% | 4,230 |
| Total risk-based capital ratio | 13.5890% | 4,618 |
| Memoranda: | ||
| Average total assets | $455,225,500 | 1,537 |
| Average earning assets | $413,880,250 | 1,541 |
| Average equity | $45,908,750 | 1,492 |
| Average total loans | $322,387,500 | 1,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 4,640 |
| Cost of funding earning assets | 2.0749% | 3,393 |
| Net interest margin | 3.4243% | 5,082 |
| Noninterest income to average assets | 0.7818% | 2,507 |
| Noninterest expense to average assets | 2.7488% | 5,183 |
| Loan and lease loss provision to assets | 1.0488% | 1,620 |
| Net operating income to assets | 0.1601% | 5,389 |
| Return on assets (ROA) | 0.2160% | 5,284 |
| Pretax return on assets | 0.1483% | 5,567 |
| Return on Equity (ROE) | 2.1258% | 5,248 |
| Retained earnings to average equity (ytd only) | -6.5333% | 6,514 |
| Net charge-offs to loans | 1.5467% | 1,223 |
| Credit loss provision to net charge-offs | 95.5894% | 4,752 |
| Earnings coverage of net charge-offs (x) | 1.0401% | 4,747 |
| Efficiency ratio | 70.2443% | 4,725 |
| Assets per employee ($millions) | 3.2805% | 5,370 |
| Cash dividends to net income (ytd only)* | 407.3320% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 7,695 |
| Loan loss allowance to noncurrent loans | 22.8925% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 1.9821% | 3,219 |
| Noncurrent loans to loans | 2.4825% | 2,920 |
| Net loans and leases to total assets | 71.3585% | 3,392 |
| Net loans and leases to deposits | 90.4080% | 2,764 |
| Net loans and leases to core deposits | 100.0765% | 4,503 |
| Total domestic deposits to total assets | 78.9295% | 5,832 |
| Equity capital to assets | 10.0714% | 3,847 |
| Core capital (leverage) ratio | 8.8980% | 4,788 |
| Tier 1 risk-based capital ratio | 13.5545% | 3,787 |
| Total risk-based capital ratio | 14.1841% | 4,105 |
| Memoranda: | ||
| Average total assets | $454,598,000 | 1,553 |
| Average earning assets | $412,644,670 | 1,573 |
| Average equity | $46,194,330 | 1,490 |
| Average total loans | $322,490,000 | 1,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5960% | 4,380 |
| Cost of funding earning assets | 2.1469% | 3,428 |
| Net interest margin | 3.4490% | 4,944 |
| Noninterest income to average assets | 0.6868% | 2,964 |
| Noninterest expense to average assets | 2.5618% | 5,602 |
| Loan and lease loss provision to assets | 0.3718% | 3,096 |
| Net operating income to assets | 0.6573% | 3,765 |
| Return on assets (ROA) | 0.7411% | 3,565 |
| Pretax return on assets | 0.9957% | 3,359 |
| Return on Equity (ROE) | 7.2611% | 3,481 |
| Retained earnings to average equity (ytd only) | -1.3116% | 5,964 |
| Net charge-offs to loans | 0.6078% | 1,958 |
| Credit loss provision to net charge-offs | 86.7347% | 4,072 |
| Earnings coverage of net charge-offs (x) | 2.9245% | 3,334 |
| Efficiency ratio | 66.7049% | 5,194 |
| Assets per employee ($millions) | 3.3862% | 5,106 |
| Cash dividends to net income (ytd only)* | 118.0638% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 7,679 |
| Loan loss allowance to noncurrent loans | 33.3689% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 3,806 |
| Noncurrent loans to loans | 1.7623% | 3,623 |
| Net loans and leases to total assets | 69.9680% | 3,678 |
| Net loans and leases to deposits | 89.5690% | 2,998 |
| Net loans and leases to core deposits | 99.3357% | 4,607 |
| Total domestic deposits to total assets | 78.1162% | 5,976 |
| Equity capital to assets | 10.2616% | 3,696 |
| Core capital (leverage) ratio | 9.1105% | 4,540 |
| Tier 1 risk-based capital ratio | 14.2007% | 3,474 |
| Total risk-based capital ratio | 14.8543% | 3,718 |
| Memoranda: | ||
| Average total assets | $457,182,500 | 1,558 |
| Average earning assets | $414,728,500 | 1,567 |
| Average equity | $46,659,500 | 1,481 |
| Average total loans | $322,465,500 | 1,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1295% | 4,901 |
| Cost of funding earning assets | 2.6145% | 3,611 |
| Net interest margin | 3.5149% | 5,248 |
| Noninterest income to average assets | 0.7219% | 2,971 |
| Noninterest expense to average assets | 2.4392% | 6,263 |
| Loan and lease loss provision to assets | 0.3463% | 3,628 |
| Net operating income to assets | 0.7867% | 3,498 |
| Return on assets (ROA) | 0.8593% | 3,025 |
| Pretax return on assets | 1.2309% | 2,548 |
| Return on Equity (ROE) | 8.7466% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.7466% | 645 |
| Net charge-offs to loans | 0.3946% | 2,841 |
| Credit loss provision to net charge-offs | 120.3988% | 4,458 |
| Earnings coverage of net charge-offs (x) | 5.1235% | 3,743 |
| Efficiency ratio | 61.9335% | 5,963 |
| Assets per employee ($millions) | 3.5432% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 7,685 |
| Loan loss allowance to noncurrent loans | 39.9712% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 3,735 |
| Noncurrent loans to loans | 1.4931% | 3,561 |
| Net loans and leases to total assets | 70.2605% | 3,959 |
| Net loans and leases to deposits | 90.3669% | 3,392 |
| Net loans and leases to core deposits | 100.2013% | 4,809 |
| Total domestic deposits to total assets | 77.7503% | 5,794 |
| Equity capital to assets | 10.1510% | 3,865 |
| Core capital (leverage) ratio | 8.9846% | 4,765 |
| Tier 1 risk-based capital ratio | 14.0961% | 3,501 |
| Total risk-based capital ratio | 14.7665% | 3,707 |
| Memoranda: | ||
| Average total assets | $453,392,600 | 1,515 |
| Average earning assets | $411,585,200 | 1,521 |
| Average equity | $44,543,000 | 1,514 |
| Average total loans | $330,432,000 | 1,468 |