Home > First Independent Bank > Performance and Condition Ratios
First Independent 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 | 4.3522% | 3,353 |
| Cost of funding earning assets | 1.1565% | 2,918 |
| Net interest margin | 3.1957% | 2,886 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0870% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1194% | 1,862 |
| Return on assets (ROA) | 0.9838% | 2,254 |
| Pretax return on assets | 1.0174% | 2,629 |
| Return on Equity (ROE) | 12.4100% | 1,861 |
| Retained earnings to average equity (ytd only) | 6.5010% | 2,061 |
| Net charge-offs to loans | -0.0155% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.0438% | 2,826 |
| Assets per employee ($millions) | 6.9308% | 2,117 |
| Cash dividends to net income (ytd only)* | 47.6140% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,061 |
| Loan loss allowance to noncurrent loans | 552.6005% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 2,367 |
| Noncurrent loans to loans | 0.2708% | 2,216 |
| Net loans and leases to total assets | 60.8200% | 2,770 |
| Net loans and leases to deposits | 73.0465% | 2,692 |
| Net loans and leases to core deposits | 82.9898% | 2,525 |
| Total domestic deposits to total assets | 83.2600% | 2,825 |
| Equity capital to assets | 7.9447% | 3,455 |
| Core capital (leverage) ratio | 8.8549% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7121% | 1,975 |
| Memoranda: | ||
| Average total assets | $481,407,400 | 1,768 |
| Average earning assets | $451,950,600 | 1,748 |
| Average equity | $38,163,200 | 1,935 |
| Average total loans | $283,951,000 | 1,854 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,490 |
| Cost of funding earning assets | 0.6157% | 3,333 |
| Net interest margin | 3.3633% | 2,727 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.9553% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4509% | 1,284 |
| Return on assets (ROA) | 1.4027% | 1,377 |
| Pretax return on assets | 1.4027% | 1,873 |
| Return on Equity (ROE) | 17.9300% | 1,040 |
| Retained earnings to average equity (ytd only) | 17.9266% | 518 |
| Net charge-offs to loans | -0.0845% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9988% | 3,505 |
| Assets per employee ($millions) | 6.5700% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 645 |
| Loan loss allowance to noncurrent loans | 470.9548% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 1,865 |
| Noncurrent loans to loans | 0.3852% | 1,775 |
| Net loans and leases to total assets | 53.6100% | 3,230 |
| Net loans and leases to deposits | 59.9467% | 3,335 |
| Net loans and leases to core deposits | 63.9464% | 3,347 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 8.0938% | 3,175 |
| Core capital (leverage) ratio | 9.0505% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6950% | 1,443 |
| Memoranda: | ||
| Average total assets | $473,375,000 | 1,807 |
| Average earning assets | $445,045,500 | 1,788 |
| Average equity | $37,040,000 | 2,007 |
| Average total loans | $260,271,500 | 1,971 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 3,030 |
| Cost of funding earning assets | 0.3657% | 2,361 |
| Net interest margin | 3.1514% | 3,016 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0909% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1441% | 1,996 |
| Return on assets (ROA) | 1.1379% | 1,968 |
| Pretax return on assets | 1.1793% | 2,507 |
| Return on Equity (ROE) | 14.1600% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.8489% | 2,303 |
| Net charge-offs to loans | -0.0254% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9079% | 2,776 |
| Assets per employee ($millions) | 6.6720% | 2,201 |
| Cash dividends to net income (ytd only)* | 51.6475% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 704 |
| Loan loss allowance to noncurrent loans | 182.1077% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 869 |
| Noncurrent loans to loans | 0.9697% | 760 |
| Net loans and leases to total assets | 54.3800% | 3,163 |
| Net loans and leases to deposits | 61.3037% | 3,252 |
| Net loans and leases to core deposits | 65.0129% | 3,197 |
| Total domestic deposits to total assets | 88.7100% | 1,809 |
| Equity capital to assets | 7.5559% | 3,353 |
| Core capital (leverage) ratio | 8.7997% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8165% | 1,686 |
| Memoranda: | ||
| Average total assets | $458,752,600 | 1,835 |
| Average earning assets | $429,870,600 | 1,820 |
| Average equity | $36,852,400 | 2,043 |
| Average total loans | $244,154,400 | 1,974 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4916% | 2,642 |
| Cost of funding earning assets | 0.3149% | 2,015 |
| Net interest margin | 3.1766% | 2,696 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.0523% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2194% | 1,636 |
| Return on assets (ROA) | 1.2093% | 1,642 |
| Pretax return on assets | 1.2650% | 2,156 |
| Return on Equity (ROE) | 14.8200% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.1367% | 3,052 |
| Net charge-offs to loans | -0.0017% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0599% | 3,105 |
| Assets per employee ($millions) | 6.1676% | 2,608 |
| Cash dividends to net income (ytd only)* | 65.3501% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 663 |
| Loan loss allowance to noncurrent loans | 212.9483% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 1,073 |
| Noncurrent loans to loans | 0.8685% | 903 |
| Net loans and leases to total assets | 52.4600% | 3,240 |
| Net loans and leases to deposits | 56.6689% | 3,424 |
| Net loans and leases to core deposits | 59.9024% | 3,392 |
| Total domestic deposits to total assets | 92.5700% | 692 |
| Equity capital to assets | 7.1557% | 3,430 |
| Core capital (leverage) ratio | 8.3940% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2128% | 1,647 |
| Memoranda: | ||
| Average total assets | $455,013,500 | 1,850 |
| Average earning assets | $426,729,500 | 1,840 |
| Average equity | $37,117,250 | 2,059 |
| Average total loans | $239,629,250 | 1,996 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 2,346 |
| Cost of funding earning assets | 0.3200% | 1,525 |
| Net interest margin | 3.1116% | 2,497 |
| Noninterest income to average assets | 0.2785% | 3,501 |
| Noninterest expense to average assets | 1.9477% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1955% | 1,445 |
| Return on assets (ROA) | 1.1785% | 1,479 |
| Pretax return on assets | 1.2316% | 1,957 |
| Return on Equity (ROE) | 13.8893% | 1,141 |
| Retained earnings to average equity (ytd only) | 11.9617% | 609 |
| Net charge-offs to loans | 0.0051% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 271 |
| Efficiency ratio | 60.3014% | 3,264 |
| Assets per employee ($millions) | 6.3819% | 2,405 |
| Cash dividends to net income (ytd only)* | 13.8785% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 719 |
| Loan loss allowance to noncurrent loans | 202.8902% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 1,093 |
| Noncurrent loans to loans | 0.9187% | 910 |
| Net loans and leases to total assets | 50.8700% | 3,283 |
| Net loans and leases to deposits | 55.2929% | 3,438 |
| Net loans and leases to core deposits | 58.3971% | 3,398 |
| Total domestic deposits to total assets | 92.0010% | 830 |
| Equity capital to assets | 7.7540% | 3,301 |
| Core capital (leverage) ratio | 8.9264% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8089% | 1,481 |
| Memoranda: | ||
| Average total assets | $452,427,333 | 1,871 |
| Average earning assets | $424,341,667 | 1,860 |
| Average equity | $38,389,333 | 2,066 |
| Average total loans | $237,201,667 | 2,012 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 2,101 |
| Cost of funding earning assets | 0.2751% | 1,879 |
| Net interest margin | 3.1197% | 2,111 |
| Noninterest income to average assets | 0.2712% | 3,510 |
| Noninterest expense to average assets | 1.8494% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2339% | 1,158 |
| Return on assets (ROA) | 1.2239% | 1,169 |
| Pretax return on assets | 1.3324% | 1,428 |
| Return on Equity (ROE) | 13.7901% | 874 |
| Retained earnings to average equity (ytd only) | 13.5661% | 413 |
| Net charge-offs to loans | 0.0206% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 123.8333% | 605 |
| Efficiency ratio | 57.9275% | 3,690 |
| Assets per employee ($millions) | 6.6591% | 2,257 |
| Cash dividends to net income (ytd only)* | 1.6248% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 660 |
| Loan loss allowance to noncurrent loans | 234.1727% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,277 |
| Noncurrent loans to loans | 0.8395% | 1,114 |
| Net loans and leases to total assets | 50.1880% | 3,156 |
| Net loans and leases to deposits | 56.3279% | 3,238 |
| Net loans and leases to core deposits | 59.8796% | 3,159 |
| Total domestic deposits to total assets | 89.0998% | 2,032 |
| Equity capital to assets | 8.3958% | 3,243 |
| Core capital (leverage) ratio | 9.6209% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5495% | 1,375 |
| Memoranda: | ||
| Average total assets | $442,512,500 | 1,903 |
| Average earning assets | $414,397,000 | 1,904 |
| Average equity | $39,274,500 | 2,082 |
| Average total loans | $233,402,500 | 2,029 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 731 |
| Cost of funding earning assets | 0.3654% | 1,805 |
| Net interest margin | 4.0229% | 676 |
| Noninterest income to average assets | 0.4674% | 2,742 |
| Noninterest expense to average assets | 2.0516% | 3,527 |
| Loan and lease loss provision to assets | 0.0399% | 2,242 |
| Net operating income to assets | 1.9995% | 340 |
| Return on assets (ROA) | 2.0428% | 328 |
| Pretax return on assets | 2.1876% | 426 |
| Return on Equity (ROE) | 20.2682% | 299 |
| Retained earnings to average equity (ytd only) | 8.6302% | 1,306 |
| Net charge-offs to loans | 0.0055% | 2,386 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 682.8333% | 217 |
| Efficiency ratio | 48.4719% | 4,378 |
| Assets per employee ($millions) | 5.7515% | 3,007 |
| Cash dividends to net income (ytd only)* | 57.4202% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 559 |
| Loan loss allowance to noncurrent loans | 256.2368% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 1,367 |
| Noncurrent loans to loans | 0.8048% | 1,268 |
| Net loans and leases to total assets | 53.3792% | 2,923 |
| Net loans and leases to deposits | 61.2331% | 2,965 |
| Net loans and leases to core deposits | 65.4452% | 2,867 |
| Total domestic deposits to total assets | 87.1738% | 2,441 |
| Equity capital to assets | 9.1974% | 3,424 |
| Core capital (leverage) ratio | 10.2364% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6756% | 1,621 |
| Memoranda: | ||
| Average total assets | $375,708,400 | 2,083 |
| Average earning assets | $351,640,800 | 2,077 |
| Average equity | $37,867,200 | 2,158 |
| Average total loans | $217,742,800 | 2,119 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 810 |
| Cost of funding earning assets | 0.3918% | 1,763 |
| Net interest margin | 4.0061% | 784 |
| Noninterest income to average assets | 0.5506% | 2,407 |
| Noninterest expense to average assets | 1.9863% | 3,723 |
| Loan and lease loss provision to assets | 0.0553% | 1,882 |
| Net operating income to assets | 2.2642% | 285 |
| Return on assets (ROA) | 2.3206% | 277 |
| Pretax return on assets | 2.3224% | 449 |
| Return on Equity (ROE) | 22.4393% | 278 |
| Retained earnings to average equity (ytd only) | 10.5765% | 1,156 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1117% | 4,496 |
| Assets per employee ($millions) | 6.1930% | 2,514 |
| Cash dividends to net income (ytd only)* | 52.8664% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 480 |
| Loan loss allowance to noncurrent loans | 273.4925% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 759 |
| Noncurrent loans to loans | 0.7921% | 1,429 |
| Net loans and leases to total assets | 55.6765% | 2,767 |
| Net loans and leases to deposits | 64.8029% | 2,754 |
| Net loans and leases to core deposits | 70.1167% | 2,583 |
| Total domestic deposits to total assets | 85.9166% | 2,781 |
| Equity capital to assets | 10.6529% | 2,317 |
| Core capital (leverage) ratio | 10.2018% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9755% | 966 |
| Memoranda: | ||
| Average total assets | $361,795,750 | 2,163 |
| Average earning assets | $339,308,750 | 2,156 |
| Average equity | $37,415,500 | 2,206 |
| Average total loans | $213,402,500 | 2,180 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 1,372 |
| Cost of funding earning assets | 0.4143% | 1,767 |
| Net interest margin | 3.6727% | 1,416 |
| Noninterest income to average assets | 0.6755% | 1,907 |
| Noninterest expense to average assets | 2.0840% | 3,439 |
| Loan and lease loss provision to assets | 0.0837% | 1,464 |
| Net operating income to assets | 1.9524% | 530 |
| Return on assets (ROA) | 1.9825% | 527 |
| Pretax return on assets | 1.9847% | 862 |
| Return on Equity (ROE) | 19.3717% | 511 |
| Retained earnings to average equity (ytd only) | 1.2264% | 4,295 |
| Net charge-offs to loans | 0.0047% | 1,981 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 730.8000% | 190 |
| Efficiency ratio | 50.5548% | 4,189 |
| Assets per employee ($millions) | 6.2762% | 2,361 |
| Cash dividends to net income (ytd only)* | 93.6691% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 464 |
| Loan loss allowance to noncurrent loans | 161.3540% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.2048% | 564 |
| Noncurrent loans to loans | 1.3370% | 873 |
| Net loans and leases to total assets | 55.1148% | 3,000 |
| Net loans and leases to deposits | 63.7466% | 3,028 |
| Net loans and leases to core deposits | 68.8042% | 2,881 |
| Total domestic deposits to total assets | 86.4592% | 2,570 |
| Equity capital to assets | 9.8111% | 3,043 |
| Core capital (leverage) ratio | 9.5273% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8404% | 1,377 |
| Memoranda: | ||
| Average total assets | $358,534,667 | 2,169 |
| Average earning assets | $336,478,333 | 2,156 |
| Average equity | $36,692,667 | 2,240 |
| Average total loans | $214,049,000 | 2,186 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 1,480 |
| Cost of funding earning assets | 0.4499% | 1,722 |
| Net interest margin | 3.6126% | 1,554 |
| Noninterest income to average assets | 1.0586% | 1,042 |
| Noninterest expense to average assets | 2.0291% | 3,630 |
| Loan and lease loss provision to assets | 0.1717% | 723 |
| Net operating income to assets | 2.2397% | 390 |
| Return on assets (ROA) | 2.3072% | 383 |
| Pretax return on assets | 2.3072% | 579 |
| Return on Equity (ROE) | 22.0533% | 389 |
| Retained earnings to average equity (ytd only) | -7.5480% | 4,763 |
| Net charge-offs to loans | 0.0112% | 1,533 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 351.1667% | 264 |
| Efficiency ratio | 45.6959% | 4,484 |
| Assets per employee ($millions) | 5.9716% | 2,627 |
| Cash dividends to net income (ytd only)* | 134.2262% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 482 |
| Loan loss allowance to noncurrent loans | 118.3394% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 406 |
| Noncurrent loans to loans | 1.7929% | 651 |
| Net loans and leases to total assets | 57.9392% | 2,810 |
| Net loans and leases to deposits | 67.0085% | 2,809 |
| Net loans and leases to core deposits | 72.5890% | 2,650 |
| Total domestic deposits to total assets | 86.4655% | 2,541 |
| Equity capital to assets | 9.8235% | 2,873 |
| Core capital (leverage) ratio | 9.9433% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1697% | 1,853 |
| Memoranda: | ||
| Average total assets | $349,515,000 | 2,192 |
| Average earning assets | $327,190,000 | 2,184 |
| Average equity | $36,566,000 | 2,228 |
| Average total loans | $215,011,500 | 2,177 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 1,094 |
| Cost of funding earning assets | 0.6997% | 1,718 |
| Net interest margin | 3.9020% | 1,208 |
| Noninterest income to average assets | 0.3275% | 3,498 |
| Noninterest expense to average assets | 2.4151% | 3,098 |
| Loan and lease loss provision to assets | 0.3226% | 1,135 |
| Net operating income to assets | 1.2130% | 1,508 |
| Return on assets (ROA) | 1.3263% | 1,283 |
| Pretax return on assets | 1.3263% | 1,895 |
| Return on Equity (ROE) | 11.5289% | 1,467 |
| Retained earnings to average equity (ytd only) | 4.3412% | 2,631 |
| Net charge-offs to loans | 0.1381% | 1,167 |
| Credit loss provision to net charge-offs | 354.6099% | 1,570 |
| Earnings coverage of net charge-offs (x) | 16.8794% | 2,108 |
| Efficiency ratio | 61.1302% | 3,284 |
| Assets per employee ($millions) | 5.2307% | 3,117 |
| Cash dividends to net income (ytd only)* | 62.3449% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0668% | 517 |
| Loan loss allowance to noncurrent loans | 178.3816% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 672 |
| Noncurrent loans to loans | 1.1586% | 1,227 |
| Net loans and leases to total assets | 62.7201% | 2,518 |
| Net loans and leases to deposits | 75.1688% | 2,367 |
| Net loans and leases to core deposits | 79.9445% | 2,364 |
| Total domestic deposits to total assets | 83.4390% | 3,281 |
| Equity capital to assets | 11.1566% | 2,128 |
| Core capital (leverage) ratio | 10.3593% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7439% | 1,615 |
| Memoranda: | ||
| Average total assets | $309,968,400 | 2,241 |
| Average earning assets | $287,825,400 | 2,243 |
| Average equity | $35,658,200 | 2,197 |
| Average total loans | $204,245,000 | 2,202 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,315 |
| Cost of funding earning assets | 0.7330% | 1,841 |
| Net interest margin | 3.8638% | 1,438 |
| Noninterest income to average assets | 0.3432% | 3,419 |
| Noninterest expense to average assets | 2.3623% | 3,246 |
| Loan and lease loss provision to assets | 0.4388% | 747 |
| Net operating income to assets | 1.1307% | 1,875 |
| Return on assets (ROA) | 1.2838% | 1,498 |
| Pretax return on assets | 1.2838% | 2,117 |
| Return on Equity (ROE) | 11.0680% | 1,655 |
| Retained earnings to average equity (ytd only) | 1.3698% | 4,127 |
| Net charge-offs to loans | 0.1976% | 772 |
| Credit loss provision to net charge-offs | 334.4482% | 1,651 |
| Earnings coverage of net charge-offs (x) | 11.9599% | 2,272 |
| Efficiency ratio | 60.0804% | 3,382 |
| Assets per employee ($millions) | 5.1367% | 3,078 |
| Cash dividends to net income (ytd only)* | 87.6239% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 427 |
| Loan loss allowance to noncurrent loans | 77.9033% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 419 |
| Noncurrent loans to loans | 2.6844% | 380 |
| Net loans and leases to total assets | 62.8621% | 2,902 |
| Net loans and leases to deposits | 77.4159% | 2,600 |
| Net loans and leases to core deposits | 82.7360% | 2,602 |
| Total domestic deposits to total assets | 81.2005% | 3,611 |
| Equity capital to assets | 10.9832% | 2,408 |
| Core capital (leverage) ratio | 10.4143% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3288% | 1,721 |
| Memoranda: | ||
| Average total assets | $303,770,000 | 2,259 |
| Average earning assets | $282,130,000 | 2,261 |
| Average equity | $35,235,750 | 2,210 |
| Average total loans | $201,707,750 | 2,214 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,421 |
| Cost of funding earning assets | 0.7880% | 1,887 |
| Net interest margin | 3.9063% | 1,551 |
| Noninterest income to average assets | 0.3811% | 3,196 |
| Noninterest expense to average assets | 2.4126% | 3,228 |
| Loan and lease loss provision to assets | 0.4062% | 992 |
| Net operating income to assets | 1.1750% | 1,709 |
| Return on assets (ROA) | 1.3559% | 1,301 |
| Pretax return on assets | 1.3661% | 1,816 |
| Return on Equity (ROE) | 11.4636% | 1,487 |
| Retained earnings to average equity (ytd only) | -1.3907% | 4,526 |
| Net charge-offs to loans | 0.3686% | 434 |
| Credit loss provision to net charge-offs | 163.9344% | 2,063 |
| Earnings coverage of net charge-offs (x) | 6.4153% | 2,443 |
| Efficiency ratio | 60.2842% | 3,379 |
| Assets per employee ($millions) | 4.8431% | 3,369 |
| Cash dividends to net income (ytd only)* | 112.1318% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 561 |
| Loan loss allowance to noncurrent loans | 59.9029% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.1424% | 316 |
| Noncurrent loans to loans | 3.1256% | 293 |
| Net loans and leases to total assets | 64.7155% | 2,793 |
| Net loans and leases to deposits | 80.1864% | 2,400 |
| Net loans and leases to core deposits | 84.0963% | 2,596 |
| Total domestic deposits to total assets | 80.7064% | 3,682 |
| Equity capital to assets | 11.0764% | 2,270 |
| Core capital (leverage) ratio | 10.9238% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7388% | 1,914 |
| Memoranda: | ||
| Average total assets | $295,444,000 | 2,278 |
| Average earning assets | $273,865,000 | 2,287 |
| Average equity | $34,945,333 | 2,206 |
| Average total loans | $198,586,333 | 2,234 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 1,261 |
| Cost of funding earning assets | 0.8533% | 2,099 |
| Net interest margin | 4.0203% | 1,337 |
| Noninterest income to average assets | 0.3318% | 3,541 |
| Noninterest expense to average assets | 2.3519% | 3,643 |
| Loan and lease loss provision to assets | 0.2470% | 1,259 |
| Net operating income to assets | 1.4442% | 891 |
| Return on assets (ROA) | 1.4442% | 965 |
| Pretax return on assets | 1.4442% | 1,450 |
| Return on Equity (ROE) | 11.7872% | 1,163 |
| Retained earnings to average equity (ytd only) | -7.7084% | 4,678 |
| Net charge-offs to loans | 0.6401% | 231 |
| Credit loss provision to net charge-offs | 56.8182% | 2,030 |
| Earnings coverage of net charge-offs (x) | 3.8896% | 2,176 |
| Efficiency ratio | 58.1704% | 3,977 |
| Assets per employee ($millions) | 4.4796% | 3,285 |
| Cash dividends to net income (ytd only)* | 165.3959% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 614 |
| Loan loss allowance to noncurrent loans | 73.9364% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 417 |
| Noncurrent loans to loans | 2.5617% | 456 |
| Net loans and leases to total assets | 64.6813% | 2,982 |
| Net loans and leases to deposits | 77.2771% | 2,946 |
| Net loans and leases to core deposits | 81.5442% | 3,057 |
| Total domestic deposits to total assets | 83.7004% | 2,886 |
| Equity capital to assets | 12.0267% | 2,043 |
| Core capital (leverage) ratio | 11.5645% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8157% | 1,656 |
| Memoranda: | ||
| Average total assets | $283,343,500 | 2,302 |
| Average earning assets | $261,569,500 | 2,310 |
| Average equity | $34,715,500 | 2,215 |
| Average total loans | $192,476,000 | 2,236 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,328 |
| Cost of funding earning assets | 0.8973% | 2,199 |
| Net interest margin | 4.1581% | 1,401 |
| Noninterest income to average assets | 0.3622% | 3,537 |
| Noninterest expense to average assets | 2.5753% | 3,247 |
| Loan and lease loss provision to assets | 0.1422% | 1,502 |
| Net operating income to assets | 1.4727% | 1,118 |
| Return on assets (ROA) | 1.4759% | 1,169 |
| Pretax return on assets | 1.4759% | 1,884 |
| Return on Equity (ROE) | 12.4422% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,259 |
| Net charge-offs to loans | 0.1367% | 1,417 |
| Credit loss provision to net charge-offs | 144.4043% | 1,781 |
| Earnings coverage of net charge-offs (x) | 16.4007% | 2,172 |
| Efficiency ratio | 61.4608% | 3,460 |
| Assets per employee ($millions) | 4.3749% | 3,407 |
| Cash dividends to net income (ytd only)* | 57.1291% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 559 |
| Loan loss allowance to noncurrent loans | 66.2090% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.3301% | 298 |
| Noncurrent loans to loans | 2.8622% | 340 |
| Net loans and leases to total assets | 68.6523% | 2,591 |
| Net loans and leases to deposits | 82.6768% | 2,479 |
| Net loans and leases to core deposits | 87.1703% | 2,689 |
| Total domestic deposits to total assets | 83.0370% | 3,180 |
| Equity capital to assets | 12.4829% | 1,824 |
| Core capital (leverage) ratio | 12.0592% | 1,738 |
| Tier 1 risk-based capital ratio | 14.5953% | 2,967 |
| Total risk-based capital ratio | 15.8496% | 2,865 |
| Memoranda: | ||
| Average total assets | $281,328,800 | 2,270 |
| Average earning assets | $258,988,800 | 2,283 |
| Average equity | $33,370,200 | 2,218 |
| Average total loans | $202,573,600 | 2,150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 1,406 |
| Cost of funding earning assets | 0.9063% | 2,204 |
| Net interest margin | 4.1465% | 1,510 |
| Noninterest income to average assets | 0.3342% | 3,737 |
| Noninterest expense to average assets | 2.4284% | 3,615 |
| Loan and lease loss provision to assets | 0.1893% | 947 |
| Net operating income to assets | 1.5347% | 1,106 |
| Return on assets (ROA) | 1.5347% | 1,153 |
| Pretax return on assets | 1.5347% | 1,853 |
| Return on Equity (ROE) | 13.1086% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.5177% | 3,648 |
| Net charge-offs to loans | 0.1391% | 1,156 |
| Credit loss provision to net charge-offs | 187.7934% | 1,391 |
| Earnings coverage of net charge-offs (x) | 17.0988% | 2,111 |
| Efficiency ratio | 58.4815% | 3,867 |
| Assets per employee ($millions) | 4.3583% | 3,403 |
| Cash dividends to net income (ytd only)* | 73.1647% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 522 |
| Loan loss allowance to noncurrent loans | 71.9649% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2620% | 335 |
| Noncurrent loans to loans | 2.6976% | 402 |
| Net loans and leases to total assets | 67.3257% | 2,884 |
| Net loans and leases to deposits | 84.0018% | 2,456 |
| Net loans and leases to core deposits | 88.2464% | 2,704 |
| Total domestic deposits to total assets | 80.1479% | 3,966 |
| Equity capital to assets | 12.0414% | 2,226 |
| Core capital (leverage) ratio | 11.4425% | 2,264 |
| Tier 1 risk-based capital ratio | 14.3438% | 3,159 |
| Total risk-based capital ratio | 15.5985% | 3,061 |
| Memoranda: | ||
| Average total assets | $281,663,000 | 2,283 |
| Average earning assets | $259,358,000 | 2,295 |
| Average equity | $32,975,000 | 2,257 |
| Average total loans | $204,233,500 | 2,150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,555 |
| Cost of funding earning assets | 0.8627% | 2,334 |
| Net interest margin | 4.1096% | 1,579 |
| Noninterest income to average assets | 0.3002% | 3,926 |
| Noninterest expense to average assets | 2.4331% | 3,647 |
| Loan and lease loss provision to assets | 0.2134% | 785 |
| Net operating income to assets | 1.4428% | 1,317 |
| Return on assets (ROA) | 1.4528% | 1,338 |
| Pretax return on assets | 1.4528% | 2,017 |
| Return on Equity (ROE) | 12.5291% | 1,397 |
| Retained earnings to average equity (ytd only) | -0.8038% | 4,805 |
| Net charge-offs to loans | 0.2111% | 788 |
| Credit loss provision to net charge-offs | 136.9863% | 1,601 |
| Earnings coverage of net charge-offs (x) | 10.6301% | 2,251 |
| Efficiency ratio | 59.4990% | 3,797 |
| Assets per employee ($millions) | 4.3615% | 3,343 |
| Cash dividends to net income (ytd only)* | 106.4153% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 702 |
| Loan loss allowance to noncurrent loans | 59.8370% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.3499% | 330 |
| Noncurrent loans to loans | 2.9798% | 344 |
| Net loans and leases to total assets | 71.3284% | 2,319 |
| Net loans and leases to deposits | 91.1009% | 1,610 |
| Net loans and leases to core deposits | 95.7997% | 2,091 |
| Total domestic deposits to total assets | 78.2961% | 4,345 |
| Equity capital to assets | 11.6209% | 2,505 |
| Core capital (leverage) ratio | 11.5216% | 2,147 |
| Tier 1 risk-based capital ratio | 13.3990% | 3,631 |
| Total risk-based capital ratio | 14.6526% | 3,534 |
| Memoranda: | ||
| Average total assets | $281,120,670 | 2,289 |
| Average earning assets | $259,198,330 | 2,301 |
| Average equity | $32,596,000 | 2,266 |
| Average total loans | $207,477,000 | 2,135 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 1,322 |
| Cost of funding earning assets | 0.8300% | 2,372 |
| Net interest margin | 4.1793% | 1,350 |
| Noninterest income to average assets | 0.2829% | 3,984 |
| Noninterest expense to average assets | 2.3006% | 4,019 |
| Loan and lease loss provision to assets | 0.2143% | 727 |
| Net operating income to assets | 1.6175% | 861 |
| Return on assets (ROA) | 1.6375% | 858 |
| Pretax return on assets | 1.6375% | 1,378 |
| Return on Equity (ROE) | 14.1388% | 938 |
| Retained earnings to average equity (ytd only) | -4.3675% | 4,895 |
| Net charge-offs to loans | 0.0077% | 2,422 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 320.5000% | 255 |
| Efficiency ratio | 55.6708% | 4,376 |
| Assets per employee ($millions) | 4.1785% | 3,660 |
| Cash dividends to net income (ytd only)* | 130.8901% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 673 |
| Loan loss allowance to noncurrent loans | 69.3135% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 402 |
| Noncurrent loans to loans | 2.6338% | 482 |
| Net loans and leases to total assets | 73.9715% | 1,815 |
| Net loans and leases to deposits | 88.4940% | 1,807 |
| Net loans and leases to core deposits | 92.9906% | 2,212 |
| Total domestic deposits to total assets | 83.5892% | 3,191 |
| Equity capital to assets | 11.9465% | 2,050 |
| Core capital (leverage) ratio | 11.4436% | 2,175 |
| Tier 1 risk-based capital ratio | 13.3531% | 3,690 |
| Total risk-based capital ratio | 14.6070% | 3,598 |
| Memoranda: | ||
| Average total assets | $279,932,500 | 2,314 |
| Average earning assets | $257,840,000 | 2,333 |
| Average equity | $32,421,500 | 2,280 |
| Average total loans | $208,273,000 | 2,145 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,171 |
| Cost of funding earning assets | 0.7600% | 1,737 |
| Net interest margin | 4.1848% | 1,432 |
| Noninterest income to average assets | 0.3526% | 3,741 |
| Noninterest expense to average assets | 2.4850% | 3,650 |
| Loan and lease loss provision to assets | 0.2288% | 781 |
| Net operating income to assets | 1.4834% | 1,162 |
| Return on assets (ROA) | 1.4883% | 1,137 |
| Pretax return on assets | 1.4883% | 1,817 |
| Return on Equity (ROE) | 13.5698% | 1,153 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,623 |
| Net charge-offs to loans | 0.3839% | 489 |
| Credit loss provision to net charge-offs | 80.6452% | 2,852 |
| Earnings coverage of net charge-offs (x) | 6.0360% | 3,130 |
| Efficiency ratio | 59.2068% | 3,986 |
| Assets per employee ($millions) | 4.4348% | 3,262 |
| Cash dividends to net income (ytd only)* | 61.2674% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 845 |
| Loan loss allowance to noncurrent loans | 82.6998% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.6995% | 630 |
| Noncurrent loans to loans | 2.0486% | 655 |
| Net loans and leases to total assets | 72.2646% | 2,215 |
| Net loans and leases to deposits | 92.1673% | 1,525 |
| Net loans and leases to core deposits | 96.5136% | 2,016 |
| Total domestic deposits to total assets | 78.4058% | 4,422 |
| Equity capital to assets | 11.2383% | 2,477 |
| Core capital (leverage) ratio | 10.9501% | 2,571 |
| Tier 1 risk-based capital ratio | 13.1124% | 3,783 |
| Total risk-based capital ratio | 14.3649% | 3,668 |
| Memoranda: | ||
| Average total assets | $284,142,600 | 2,242 |
| Average earning assets | $261,038,200 | 2,262 |
| Average equity | $31,164,800 | 2,273 |
| Average total loans | $209,955,600 | 2,094 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 1,244 |
| Cost of funding earning assets | 0.6868% | 1,931 |
| Net interest margin | 4.1803% | 1,414 |
| Noninterest income to average assets | 0.3311% | 3,941 |
| Noninterest expense to average assets | 2.3594% | 3,951 |
| Loan and lease loss provision to assets | 0.3061% | 475 |
| Net operating income to assets | 1.5065% | 1,176 |
| Return on assets (ROA) | 1.5131% | 1,157 |
| Pretax return on assets | 1.5131% | 1,857 |
| Return on Equity (ROE) | 13.8830% | 1,153 |
| Retained earnings to average equity (ytd only) | 3.1499% | 4,170 |
| Net charge-offs to loans | 0.5353% | 282 |
| Credit loss provision to net charge-offs | 77.2889% | 2,560 |
| Earnings coverage of net charge-offs (x) | 4.5767% | 3,045 |
| Efficiency ratio | 56.5527% | 4,307 |
| Assets per employee ($millions) | 4.4186% | 3,245 |
| Cash dividends to net income (ytd only)* | 77.3110% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 917 |
| Loan loss allowance to noncurrent loans | 72.7738% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 578 |
| Noncurrent loans to loans | 2.3013% | 595 |
| Net loans and leases to total assets | 72.6701% | 2,220 |
| Net loans and leases to deposits | 96.5982% | 1,083 |
| Net loans and leases to core deposits | 101.0394% | 1,698 |
| Total domestic deposits to total assets | 75.2292% | 4,863 |
| Equity capital to assets | 10.8942% | 2,760 |
| Core capital (leverage) ratio | 10.7977% | 2,795 |
| Tier 1 risk-based capital ratio | 12.8345% | 3,998 |
| Total risk-based capital ratio | 14.0870% | 3,903 |
| Memoranda: | ||
| Average total assets | $283,112,500 | 2,258 |
| Average earning assets | $260,136,750 | 2,276 |
| Average equity | $30,857,000 | 2,291 |
| Average total loans | $209,469,000 | 2,103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 1,319 |
| Cost of funding earning assets | 0.6017% | 2,213 |
| Net interest margin | 4.1724% | 1,346 |
| Noninterest income to average assets | 0.2818% | 4,296 |
| Noninterest expense to average assets | 2.3936% | 3,916 |
| Loan and lease loss provision to assets | 0.2130% | 782 |
| Net operating income to assets | 1.5099% | 1,137 |
| Return on assets (ROA) | 1.5198% | 1,107 |
| Pretax return on assets | 1.5198% | 1,745 |
| Return on Equity (ROE) | 13.9420% | 1,085 |
| Retained earnings to average equity (ytd only) | -0.7424% | 5,052 |
| Net charge-offs to loans | 0.2829% | 567 |
| Credit loss provision to net charge-offs | 101.6949% | 1,992 |
| Earnings coverage of net charge-offs (x) | 8.2271% | 2,492 |
| Efficiency ratio | 58.1480% | 4,206 |
| Assets per employee ($millions) | 4.4175% | 3,256 |
| Cash dividends to net income (ytd only)* | 105.3246% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 802 |
| Loan loss allowance to noncurrent loans | 90.6258% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 760 |
| Noncurrent loans to loans | 1.9482% | 782 |
| Net loans and leases to total assets | 72.6839% | 2,170 |
| Net loans and leases to deposits | 94.8231% | 1,265 |
| Net loans and leases to core deposits | 96.7440% | 1,991 |
| Total domestic deposits to total assets | 76.6521% | 4,779 |
| Equity capital to assets | 10.6699% | 2,958 |
| Core capital (leverage) ratio | 10.8503% | 2,655 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,393 |
| Total risk-based capital ratio | 13.4176% | 4,273 |
| Memoranda: | ||
| Average total assets | $281,747,000 | 2,269 |
| Average earning assets | $258,938,670 | 2,287 |
| Average equity | $30,713,000 | 2,303 |
| Average total loans | $208,535,330 | 2,112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,324 |
| Cost of funding earning assets | 0.5487% | 2,414 |
| Net interest margin | 4.1434% | 1,323 |
| Noninterest income to average assets | 0.3068% | 4,110 |
| Noninterest expense to average assets | 2.3250% | 4,131 |
| Loan and lease loss provision to assets | 0.2150% | 740 |
| Net operating income to assets | 1.5768% | 906 |
| Return on assets (ROA) | 1.5968% | 865 |
| Pretax return on assets | 1.5968% | 1,404 |
| Return on Equity (ROE) | 14.4906% | 903 |
| Retained earnings to average equity (ytd only) | -5.0210% | 5,206 |
| Net charge-offs to loans | 0.2169% | 688 |
| Credit loss provision to net charge-offs | 133.9286% | 1,309 |
| Earnings coverage of net charge-offs (x) | 11.1607% | 1,862 |
| Efficiency ratio | 56.4763% | 4,521 |
| Assets per employee ($millions) | 4.1005% | 3,800 |
| Cash dividends to net income (ytd only)* | 134.6499% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 692 |
| Loan loss allowance to noncurrent loans | 94.2921% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.8520% | 649 |
| Noncurrent loans to loans | 1.9888% | 806 |
| Net loans and leases to total assets | 73.1416% | 2,006 |
| Net loans and leases to deposits | 87.6385% | 1,975 |
| Net loans and leases to core deposits | 89.1575% | 2,525 |
| Total domestic deposits to total assets | 83.4582% | 3,522 |
| Equity capital to assets | 11.1906% | 2,395 |
| Core capital (leverage) ratio | 10.8464% | 2,581 |
| Tier 1 risk-based capital ratio | 12.6758% | 4,126 |
| Total risk-based capital ratio | 13.9301% | 4,026 |
| Memoranda: | ||
| Average total assets | $279,053,000 | 2,308 |
| Average earning assets | $256,603,000 | 2,317 |
| Average equity | $30,751,000 | 2,319 |
| Average total loans | $206,577,000 | 2,145 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 1,247 |
| Cost of funding earning assets | 0.4732% | 2,573 |
| Net interest margin | 4.2055% | 1,181 |
| Noninterest income to average assets | 0.3858% | 3,726 |
| Noninterest expense to average assets | 2.3907% | 4,104 |
| Loan and lease loss provision to assets | 0.2458% | 770 |
| Net operating income to assets | 1.6270% | 618 |
| Return on assets (ROA) | 1.6328% | 625 |
| Pretax return on assets | 1.6328% | 1,208 |
| Return on Equity (ROE) | 14.7530% | 645 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,053 |
| Net charge-offs to loans | 0.3000% | 869 |
| Credit loss provision to net charge-offs | 110.4839% | 2,358 |
| Earnings coverage of net charge-offs (x) | 8.4177% | 2,915 |
| Efficiency ratio | 56.0727% | 4,765 |
| Assets per employee ($millions) | 4.2907% | 3,500 |
| Cash dividends to net income (ytd only)* | 75.1648% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 824 |
| Loan loss allowance to noncurrent loans | 115.4083% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 910 |
| Noncurrent loans to loans | 1.5348% | 1,102 |
| Net loans and leases to total assets | 72.2436% | 2,192 |
| Net loans and leases to deposits | 91.2836% | 1,613 |
| Net loans and leases to core deposits | 92.8429% | 2,295 |
| Total domestic deposits to total assets | 79.1419% | 4,514 |
| Equity capital to assets | 10.8590% | 2,774 |
| Core capital (leverage) ratio | 10.8442% | 2,478 |
| Tier 1 risk-based capital ratio | 12.2017% | 4,393 |
| Total risk-based capital ratio | 13.4549% | 4,287 |
| Memoranda: | ||
| Average total assets | $278,665,000 | 2,298 |
| Average earning assets | $256,948,000 | 2,303 |
| Average equity | $30,841,200 | 2,302 |
| Average total loans | $206,670,200 | 2,106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,225 |
| Cost of funding earning assets | 0.4580% | 2,634 |
| Net interest margin | 4.2033% | 1,149 |
| Noninterest income to average assets | 0.3955% | 3,720 |
| Noninterest expense to average assets | 2.2281% | 4,470 |
| Loan and lease loss provision to assets | 0.2580% | 659 |
| Net operating income to assets | 1.7907% | 477 |
| Return on assets (ROA) | 1.7984% | 481 |
| Pretax return on assets | 1.7984% | 897 |
| Return on Equity (ROE) | 16.1702% | 512 |
| Retained earnings to average equity (ytd only) | 3.4647% | 3,860 |
| Net charge-offs to loans | 0.3063% | 686 |
| Credit loss provision to net charge-offs | 113.3475% | 2,097 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,727 |
| Efficiency ratio | 52.0974% | 5,091 |
| Assets per employee ($millions) | 4.0988% | 3,829 |
| Cash dividends to net income (ytd only)* | 78.5733% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 806 |
| Loan loss allowance to noncurrent loans | 162.1750% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 1,263 |
| Noncurrent loans to loans | 1.1275% | 1,707 |
| Net loans and leases to total assets | 73.1779% | 2,066 |
| Net loans and leases to deposits | 90.1086% | 1,797 |
| Net loans and leases to core deposits | 91.9975% | 2,445 |
| Total domestic deposits to total assets | 81.2108% | 3,994 |
| Equity capital to assets | 11.3939% | 2,473 |
| Core capital (leverage) ratio | 10.9055% | 2,544 |
| Tier 1 risk-based capital ratio | 12.4621% | 4,343 |
| Total risk-based capital ratio | 13.7158% | 4,252 |
| Memoranda: | ||
| Average total assets | $276,462,250 | 2,321 |
| Average earning assets | $255,286,500 | 2,330 |
| Average equity | $30,747,250 | 2,323 |
| Average total loans | $205,480,750 | 2,123 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,235 |
| Cost of funding earning assets | 0.4349% | 2,755 |
| Net interest margin | 4.1756% | 1,134 |
| Noninterest income to average assets | 0.3551% | 4,018 |
| Noninterest expense to average assets | 2.2254% | 4,514 |
| Loan and lease loss provision to assets | 0.2418% | 699 |
| Net operating income to assets | 1.7483% | 505 |
| Return on assets (ROA) | 1.7483% | 513 |
| Pretax return on assets | 1.7483% | 950 |
| Return on Equity (ROE) | 15.8475% | 552 |
| Retained earnings to average equity (ytd only) | -1.4395% | 5,283 |
| Net charge-offs to loans | 0.4306% | 472 |
| Credit loss provision to net charge-offs | 75.6208% | 2,311 |
| Earnings coverage of net charge-offs (x) | 6.2235% | 2,731 |
| Efficiency ratio | 52.7911% | 5,111 |
| Assets per employee ($millions) | 4.2443% | 3,532 |
| Cash dividends to net income (ytd only)* | 109.0834% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 1,008 |
| Loan loss allowance to noncurrent loans | 125.9520% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 1,306 |
| Noncurrent loans to loans | 1.3741% | 1,409 |
| Net loans and leases to total assets | 73.5151% | 1,958 |
| Net loans and leases to deposits | 89.4510% | 1,809 |
| Net loans and leases to core deposits | 91.2903% | 2,396 |
| Total domestic deposits to total assets | 82.1848% | 3,834 |
| Equity capital to assets | 11.0181% | 2,786 |
| Core capital (leverage) ratio | 10.7502% | 2,653 |
| Tier 1 risk-based capital ratio | 12.1486% | 4,529 |
| Total risk-based capital ratio | 13.4014% | 4,411 |
| Memoranda: | ||
| Average total assets | $277,076,000 | 2,328 |
| Average earning assets | $256,157,330 | 2,332 |
| Average equity | $30,566,330 | 2,334 |
| Average total loans | $205,739,330 | 2,122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 1,093 |
| Cost of funding earning assets | 0.4161% | 2,845 |
| Net interest margin | 4.2027% | 984 |
| Noninterest income to average assets | 0.3457% | 4,078 |
| Noninterest expense to average assets | 2.0902% | 4,875 |
| Loan and lease loss provision to assets | 0.2161% | 743 |
| Net operating income to assets | 1.9246% | 349 |
| Return on assets (ROA) | 1.9246% | 361 |
| Pretax return on assets | 1.9246% | 597 |
| Return on Equity (ROE) | 17.4350% | 378 |
| Retained earnings to average equity (ytd only) | 17.4350% | 157 |
| Net charge-offs to loans | 0.0896% | 1,450 |
| Credit loss provision to net charge-offs | 326.0870% | 746 |
| Earnings coverage of net charge-offs (x) | 32.3043% | 1,174 |
| Efficiency ratio | 49.4042% | 5,408 |
| Assets per employee ($millions) | 4.1209% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 794 |
| Loan loss allowance to noncurrent loans | 201.0627% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 1,954 |
| Noncurrent loans to loans | 0.9444% | 2,156 |
| Net loans and leases to total assets | 71.8753% | 2,093 |
| Net loans and leases to deposits | 84.2250% | 2,258 |
| Net loans and leases to core deposits | 86.0211% | 2,706 |
| Total domestic deposits to total assets | 85.3373% | 2,943 |
| Equity capital to assets | 11.5688% | 2,139 |
| Core capital (leverage) ratio | 11.0423% | 2,317 |
| Tier 1 risk-based capital ratio | 12.6740% | 4,281 |
| Total risk-based capital ratio | 13.9281% | 4,182 |
| Memoranda: | ||
| Average total assets | $277,673,000 | 2,343 |
| Average earning assets | $256,689,500 | 2,341 |
| Average equity | $30,651,000 | 2,322 |
| Average total loans | $205,415,500 | 2,135 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 911 |
| Cost of funding earning assets | 0.4426% | 2,594 |
| Net interest margin | 4.3451% | 860 |
| Noninterest income to average assets | 0.3364% | 4,331 |
| Noninterest expense to average assets | 2.2973% | 4,566 |
| Loan and lease loss provision to assets | 0.1600% | 1,543 |
| Net operating income to assets | 1.5550% | 757 |
| Return on assets (ROA) | 1.5816% | 739 |
| Pretax return on assets | 1.9357% | 578 |
| Return on Equity (ROE) | 15.0876% | 616 |
| Retained earnings to average equity (ytd only) | 7.3708% | 1,087 |
| Net charge-offs to loans | 0.1352% | 1,892 |
| Credit loss provision to net charge-offs | 157.8947% | 1,744 |
| Earnings coverage of net charge-offs (x) | 20.3614% | 1,859 |
| Efficiency ratio | 52.3320% | 5,355 |
| Assets per employee ($millions) | 4.3594% | 3,347 |
| Cash dividends to net income (ytd only)* | 51.1466% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 1,059 |
| Loan loss allowance to noncurrent loans | 269.1295% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 2,519 |
| Noncurrent loans to loans | 0.6462% | 2,915 |
| Net loans and leases to total assets | 73.3615% | 1,951 |
| Net loans and leases to deposits | 90.9668% | 1,581 |
| Net loans and leases to core deposits | 93.2682% | 2,185 |
| Total domestic deposits to total assets | 80.6464% | 4,423 |
| Equity capital to assets | 10.5296% | 3,120 |
| Core capital (leverage) ratio | 10.4560% | 2,927 |
| Tier 1 risk-based capital ratio | 12.0760% | 4,673 |
| Total risk-based capital ratio | 13.3296% | 4,552 |
| Memoranda: | ||
| Average total assets | $281,240,200 | 2,282 |
| Average earning assets | $260,477,600 | 2,278 |
| Average equity | $29,481,200 | 2,398 |
| Average total loans | $210,786,200 | 2,041 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 864 |
| Cost of funding earning assets | 0.4478% | 2,574 |
| Net interest margin | 4.3707% | 818 |
| Noninterest income to average assets | 0.3225% | 4,471 |
| Noninterest expense to average assets | 2.1759% | 4,828 |
| Loan and lease loss provision to assets | 0.1425% | 1,643 |
| Net operating income to assets | 1.5969% | 736 |
| Return on assets (ROA) | 1.6306% | 722 |
| Pretax return on assets | 2.1037% | 461 |
| Return on Equity (ROE) | 15.5729% | 596 |
| Retained earnings to average equity (ytd only) | 11.0367% | 426 |
| Net charge-offs to loans | 0.0893% | 2,075 |
| Credit loss provision to net charge-offs | 212.7660% | 1,377 |
| Earnings coverage of net charge-offs (x) | 32.8928% | 1,409 |
| Efficiency ratio | 49.3437% | 5,539 |
| Assets per employee ($millions) | 3.8296% | 4,250 |
| Cash dividends to net income (ytd only)* | 29.1290% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,094 |
| Loan loss allowance to noncurrent loans | 208.1633% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 2,294 |
| Noncurrent loans to loans | 0.8430% | 2,577 |
| Net loans and leases to total assets | 74.5593% | 1,779 |
| Net loans and leases to deposits | 91.3231% | 1,596 |
| Net loans and leases to core deposits | 93.5544% | 2,224 |
| Total domestic deposits to total assets | 81.6433% | 4,060 |
| Equity capital to assets | 11.3538% | 2,649 |
| Core capital (leverage) ratio | 10.7410% | 2,738 |
| Tier 1 risk-based capital ratio | 12.9962% | 4,165 |
| Total risk-based capital ratio | 14.2511% | 4,078 |
| Memoranda: | ||
| Average total assets | $280,709,250 | 2,287 |
| Average earning assets | $260,518,250 | 2,289 |
| Average equity | $29,392,250 | 2,416 |
| Average total loans | $210,593,000 | 2,047 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 811 |
| Cost of funding earning assets | 0.4483% | 2,586 |
| Net interest margin | 4.3958% | 774 |
| Noninterest income to average assets | 0.3024% | 4,628 |
| Noninterest expense to average assets | 2.1114% | 5,032 |
| Loan and lease loss provision to assets | 0.1062% | 2,087 |
| Net operating income to assets | 1.4762% | 931 |
| Return on assets (ROA) | 1.5200% | 908 |
| Pretax return on assets | 2.2262% | 359 |
| Return on Equity (ROE) | 14.9264% | 679 |
| Retained earnings to average equity (ytd only) | 7.9710% | 1,177 |
| Net charge-offs to loans | 0.1175% | 1,658 |
| Credit loss provision to net charge-offs | 120.9677% | 1,855 |
| Earnings coverage of net charge-offs (x) | 25.8226% | 1,503 |
| Efficiency ratio | 47.8732% | 5,671 |
| Assets per employee ($millions) | 3.7827% | 4,299 |
| Cash dividends to net income (ytd only)* | 46.5983% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 1,260 |
| Loan loss allowance to noncurrent loans | 140.1584% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 1,842 |
| Noncurrent loans to loans | 1.2185% | 1,882 |
| Net loans and leases to total assets | 74.7860% | 1,689 |
| Net loans and leases to deposits | 89.2721% | 1,833 |
| Net loans and leases to core deposits | 91.4177% | 2,393 |
| Total domestic deposits to total assets | 83.7731% | 3,357 |
| Equity capital to assets | 11.0605% | 2,989 |
| Core capital (leverage) ratio | 10.2195% | 3,311 |
| Tier 1 risk-based capital ratio | 12.0212% | 4,813 |
| Total risk-based capital ratio | 13.2747% | 4,723 |
| Memoranda: | ||
| Average total assets | $282,368,670 | 2,289 |
| Average earning assets | $261,887,000 | 2,287 |
| Average equity | $28,754,330 | 2,474 |
| Average total loans | $211,039,000 | 2,046 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 641 |
| Cost of funding earning assets | 0.4498% | 2,590 |
| Net interest margin | 4.5011% | 608 |
| Noninterest income to average assets | 0.3062% | 4,535 |
| Noninterest expense to average assets | 2.0670% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0654% | 2,029 |
| Return on assets (ROA) | 1.1233% | 1,920 |
| Pretax return on assets | 2.4943% | 241 |
| Return on Equity (ROE) | 11.5000% | 1,460 |
| Retained earnings to average equity (ytd only) | -2.7503% | 5,454 |
| Net charge-offs to loans | 0.1484% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.8608% | 1,422 |
| Efficiency ratio | 45.8904% | 5,817 |
| Assets per employee ($millions) | 3.9188% | 4,090 |
| Cash dividends to net income (ytd only)* | 123.9157% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,528 |
| Loan loss allowance to noncurrent loans | 166.8610% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 2,329 |
| Noncurrent loans to loans | 0.9771% | 2,428 |
| Net loans and leases to total assets | 73.4303% | 1,817 |
| Net loans and leases to deposits | 90.5537% | 1,509 |
| Net loans and leases to core deposits | 92.3984% | 2,147 |
| Total domestic deposits to total assets | 81.0903% | 4,473 |
| Equity capital to assets | 10.0028% | 4,082 |
| Core capital (leverage) ratio | 9.5537% | 4,097 |
| Tier 1 risk-based capital ratio | 10.9759% | 5,516 |
| Total risk-based capital ratio | 12.2274% | 5,424 |
| Memoranda: | ||
| Average total assets | $287,374,500 | 2,259 |
| Average earning assets | $265,888,000 | 2,263 |
| Average equity | $28,069,500 | 2,527 |
| Average total loans | $212,946,500 | 2,031 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,295 |
| Cost of funding earning assets | 0.5074% | 2,096 |
| Net interest margin | 4.1075% | 1,397 |
| Noninterest income to average assets | 0.3238% | 4,580 |
| Noninterest expense to average assets | 2.2857% | 4,830 |
| Loan and lease loss provision to assets | 0.2278% | 885 |
| Net operating income to assets | 1.0840% | 1,992 |
| Return on assets (ROA) | 1.1046% | 1,970 |
| Pretax return on assets | 1.6454% | 1,125 |
| Return on Equity (ROE) | 11.7664% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.3004% | 2,919 |
| Net charge-offs to loans | 0.0801% | 2,675 |
| Credit loss provision to net charge-offs | 386.9048% | 781 |
| Earnings coverage of net charge-offs (x) | 31.2917% | 1,408 |
| Efficiency ratio | 55.0047% | 5,440 |
| Assets per employee ($millions) | 4.0638% | 3,824 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 1,526 |
| Loan loss allowance to noncurrent loans | 179.9693% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 2,473 |
| Noncurrent loans to loans | 0.9068% | 2,523 |
| Net loans and leases to total assets | 72.3729% | 1,985 |
| Net loans and leases to deposits | 91.2499% | 1,478 |
| Net loans and leases to core deposits | 93.6701% | 2,075 |
| Total domestic deposits to total assets | 79.3128% | 4,903 |
| Equity capital to assets | 9.5408% | 4,501 |
| Core capital (leverage) ratio | 9.4059% | 4,311 |
| Tier 1 risk-based capital ratio | 11.3384% | 5,354 |
| Total risk-based capital ratio | 12.5912% | 5,246 |
| Memoranda: | ||
| Average total assets | $285,343,600 | 2,233 |
| Average earning assets | $264,273,200 | 2,238 |
| Average equity | $26,788,200 | 2,570 |
| Average total loans | $209,808,400 | 1,998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 1,308 |
| Cost of funding earning assets | 0.5192% | 2,049 |
| Net interest margin | 4.0898% | 1,436 |
| Noninterest income to average assets | 0.3179% | 4,665 |
| Noninterest expense to average assets | 2.1942% | 5,069 |
| Loan and lease loss provision to assets | 0.2351% | 766 |
| Net operating income to assets | 1.1493% | 1,833 |
| Return on assets (ROA) | 1.1733% | 1,811 |
| Pretax return on assets | 1.7206% | 1,052 |
| Return on Equity (ROE) | 12.5502% | 1,232 |
| Retained earnings to average equity (ytd only) | 2.4899% | 4,629 |
| Net charge-offs to loans | -0.0096% | 4,975 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9600% | 5,586 |
| Assets per employee ($millions) | 4.0074% | 3,864 |
| Cash dividends to net income (ytd only)* | 80.1604% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,518 |
| Loan loss allowance to noncurrent loans | 157.0416% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 2,333 |
| Noncurrent loans to loans | 1.0709% | 2,342 |
| Net loans and leases to total assets | 72.8637% | 1,927 |
| Net loans and leases to deposits | 92.5666% | 1,352 |
| Net loans and leases to core deposits | 95.2520% | 1,953 |
| Total domestic deposits to total assets | 78.7149% | 5,047 |
| Equity capital to assets | 9.6066% | 4,629 |
| Core capital (leverage) ratio | 9.2235% | 4,700 |
| Tier 1 risk-based capital ratio | 11.2391% | 5,530 |
| Total risk-based capital ratio | 12.4923% | 5,422 |
| Memoranda: | ||
| Average total assets | $283,530,250 | 2,262 |
| Average earning assets | $263,215,000 | 2,262 |
| Average equity | $26,506,250 | 2,611 |
| Average total loans | $208,442,000 | 2,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,357 |
| Cost of funding earning assets | 0.5305% | 1,981 |
| Net interest margin | 4.0358% | 1,532 |
| Noninterest income to average assets | 0.2895% | 4,892 |
| Noninterest expense to average assets | 2.1455% | 5,234 |
| Loan and lease loss provision to assets | 0.2472% | 713 |
| Net operating income to assets | 1.1260% | 1,851 |
| Return on assets (ROA) | 1.1377% | 1,893 |
| Pretax return on assets | 1.6582% | 1,172 |
| Return on Equity (ROE) | 12.2833% | 1,287 |
| Retained earnings to average equity (ytd only) | -2.9660% | 5,921 |
| Net charge-offs to loans | 0.0106% | 3,544 |
| Credit loss provision to net charge-offs | 3,181.8182% | 130 |
| Earnings coverage of net charge-offs (x) | 243.0909% | 288 |
| Efficiency ratio | 52.8186% | 5,664 |
| Assets per employee ($millions) | 3.9946% | 3,896 |
| Cash dividends to net income (ytd only)* | 124.1465% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,905 |
| Loan loss allowance to noncurrent loans | 186.7036% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,816 |
| Noncurrent loans to loans | 0.8587% | 2,982 |
| Net loans and leases to total assets | 72.9271% | 1,834 |
| Net loans and leases to deposits | 91.0518% | 1,477 |
| Net loans and leases to core deposits | 93.9967% | 1,957 |
| Total domestic deposits to total assets | 80.0941% | 4,843 |
| Equity capital to assets | 9.2169% | 4,998 |
| Core capital (leverage) ratio | 9.0019% | 4,966 |
| Tier 1 risk-based capital ratio | 11.3409% | 5,546 |
| Total risk-based capital ratio | 12.5942% | 5,475 |
| Memoranda: | ||
| Average total assets | $283,199,330 | 2,280 |
| Average earning assets | $262,747,000 | 2,280 |
| Average equity | $26,230,670 | 2,639 |
| Average total loans | $207,636,000 | 2,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 1,423 |
| Cost of funding earning assets | 0.5456% | 1,882 |
| Net interest margin | 3.9673% | 1,664 |
| Noninterest income to average assets | 0.2728% | 4,997 |
| Noninterest expense to average assets | 2.1923% | 5,173 |
| Loan and lease loss provision to assets | 0.2120% | 843 |
| Net operating income to assets | 1.0580% | 2,005 |
| Return on assets (ROA) | 1.0658% | 2,104 |
| Pretax return on assets | 1.5492% | 1,397 |
| Return on Equity (ROE) | 11.4784% | 1,488 |
| Retained earnings to average equity (ytd only) | -18.9682% | 6,261 |
| Net charge-offs to loans | 0.0097% | 3,014 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 247.6000% | 227 |
| Efficiency ratio | 55.2169% | 5,579 |
| Assets per employee ($millions) | 3.9143% | 4,131 |
| Cash dividends to net income (ytd only)* | 265.2520% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 2,089 |
| Loan loss allowance to noncurrent loans | 179.9433% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 3,014 |
| Noncurrent loans to loans | 0.8832% | 3,038 |
| Net loans and leases to total assets | 71.7787% | 1,844 |
| Net loans and leases to deposits | 84.4400% | 2,009 |
| Net loans and leases to core deposits | 87.2111% | 2,412 |
| Total domestic deposits to total assets | 85.0056% | 3,402 |
| Equity capital to assets | 9.4105% | 4,848 |
| Core capital (leverage) ratio | 8.8225% | 5,175 |
| Tier 1 risk-based capital ratio | 11.5430% | 5,528 |
| Total risk-based capital ratio | 12.7929% | 5,445 |
| Memoranda: | ||
| Average total assets | $282,989,500 | 2,298 |
| Average earning assets | $261,738,500 | 2,302 |
| Average equity | $26,275,500 | 2,653 |
| Average total loans | $206,351,500 | 2,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,486 |
| Cost of funding earning assets | 0.6271% | 1,559 |
| Net interest margin | 3.9988% | 1,901 |
| Noninterest income to average assets | 0.3729% | 4,401 |
| Noninterest expense to average assets | 2.2131% | 5,322 |
| Loan and lease loss provision to assets | 0.3107% | 655 |
| Net operating income to assets | 1.0255% | 2,281 |
| Return on assets (ROA) | 1.1169% | 1,970 |
| Pretax return on assets | 1.6790% | 1,031 |
| Return on Equity (ROE) | 12.4413% | 1,283 |
| Retained earnings to average equity (ytd only) | 4.5295% | 2,947 |
| Net charge-offs to loans | 0.0884% | 3,225 |
| Credit loss provision to net charge-offs | 491.5730% | 534 |
| Earnings coverage of net charge-offs (x) | 29.3202% | 1,362 |
| Efficiency ratio | 54.0477% | 5,838 |
| Assets per employee ($millions) | 4.5621% | 2,937 |
| Cash dividends to net income (ytd only)* | 63.5930% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 2,828 |
| Loan loss allowance to noncurrent loans | 452.3881% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 4,454 |
| Noncurrent loans to loans | 0.3148% | 4,715 |
| Net loans and leases to total assets | 71.8622% | 1,932 |
| Net loans and leases to deposits | 89.5855% | 1,555 |
| Net loans and leases to core deposits | 92.8559% | 2,006 |
| Total domestic deposits to total assets | 80.2162% | 4,960 |
| Equity capital to assets | 9.1672% | 5,111 |
| Core capital (leverage) ratio | 9.1640% | 4,726 |
| Tier 1 risk-based capital ratio | 10.6436% | 6,045 |
| Total risk-based capital ratio | 11.8938% | 5,985 |
| Memoranda: | ||
| Average total assets | $281,593,800 | 2,262 |
| Average earning assets | $260,103,000 | 2,274 |
| Average equity | $25,278,800 | 2,633 |
| Average total loans | $201,344,000 | 2,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,565 |
| Cost of funding earning assets | 0.6394% | 1,532 |
| Net interest margin | 3.9588% | 2,002 |
| Noninterest income to average assets | 0.3264% | 4,822 |
| Noninterest expense to average assets | 2.2026% | 5,345 |
| Loan and lease loss provision to assets | 0.2151% | 1,066 |
| Net operating income to assets | 1.0550% | 2,215 |
| Return on assets (ROA) | 1.0991% | 2,101 |
| Pretax return on assets | 1.6406% | 1,208 |
| Return on Equity (ROE) | 12.3122% | 1,395 |
| Retained earnings to average equity (ytd only) | 1.6059% | 5,239 |
| Net charge-offs to loans | 0.1626% | 2,174 |
| Credit loss provision to net charge-offs | 185.9504% | 1,350 |
| Earnings coverage of net charge-offs (x) | 15.4751% | 2,045 |
| Efficiency ratio | 54.7881% | 5,753 |
| Assets per employee ($millions) | 4.3251% | 3,257 |
| Cash dividends to net income (ytd only)* | 86.9565% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 3,792 |
| Loan loss allowance to noncurrent loans | 297.6581% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 4,351 |
| Noncurrent loans to loans | 0.4276% | 4,624 |
| Net loans and leases to total assets | 71.2360% | 1,984 |
| Net loans and leases to deposits | 83.8430% | 2,175 |
| Net loans and leases to core deposits | 86.8512% | 2,564 |
| Total domestic deposits to total assets | 84.9636% | 3,348 |
| Equity capital to assets | 9.3299% | 5,003 |
| Core capital (leverage) ratio | 8.9570% | 5,124 |
| Tier 1 risk-based capital ratio | 10.8415% | 6,070 |
| Total risk-based capital ratio | 11.9530% | 6,082 |
| Memoranda: | ||
| Average total assets | $278,998,000 | 2,303 |
| Average earning assets | $258,353,000 | 2,303 |
| Average equity | $24,907,000 | 2,680 |
| Average total loans | $198,467,000 | 2,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,600 |
| Cost of funding earning assets | 0.6442% | 1,553 |
| Net interest margin | 3.9289% | 2,049 |
| Noninterest income to average assets | 0.3253% | 4,808 |
| Noninterest expense to average assets | 2.1356% | 5,548 |
| Loan and lease loss provision to assets | 0.2145% | 1,098 |
| Net operating income to assets | 1.0674% | 2,044 |
| Return on assets (ROA) | 1.1340% | 1,894 |
| Pretax return on assets | 1.7024% | 1,015 |
| Return on Equity (ROE) | 12.8940% | 1,204 |
| Retained earnings to average equity (ytd only) | -3.3658% | 6,120 |
| Net charge-offs to loans | 0.1353% | 2,318 |
| Credit loss provision to net charge-offs | 223.8806% | 1,064 |
| Earnings coverage of net charge-offs (x) | 18.9701% | 1,650 |
| Efficiency ratio | 53.6444% | 5,938 |
| Assets per employee ($millions) | 4.3681% | 3,143 |
| Cash dividends to net income (ytd only)* | 126.1034% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,094 |
| Loan loss allowance to noncurrent loans | 262.0545% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 4,258 |
| Noncurrent loans to loans | 0.4804% | 4,557 |
| Net loans and leases to total assets | 70.1432% | 2,058 |
| Net loans and leases to deposits | 82.2426% | 2,221 |
| Net loans and leases to core deposits | 85.4949% | 2,564 |
| Total domestic deposits to total assets | 85.2882% | 3,367 |
| Equity capital to assets | 8.9699% | 5,329 |
| Core capital (leverage) ratio | 8.8931% | 5,170 |
| Tier 1 risk-based capital ratio | 11.2130% | 5,949 |
| Total risk-based capital ratio | 12.3777% | 5,928 |
| Memoranda: | ||
| Average total assets | $279,728,000 | 2,295 |
| Average earning assets | $258,288,330 | 2,295 |
| Average equity | $24,600,670 | 2,703 |
| Average total loans | $198,046,330 | 2,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,602 |
| Cost of funding earning assets | 0.6468% | 1,606 |
| Net interest margin | 3.9167% | 2,032 |
| Noninterest income to average assets | 0.3259% | 4,759 |
| Noninterest expense to average assets | 2.2672% | 5,284 |
| Loan and lease loss provision to assets | 0.2144% | 1,070 |
| Net operating income to assets | 1.0121% | 2,163 |
| Return on assets (ROA) | 1.0021% | 2,260 |
| Pretax return on assets | 1.4310% | 1,638 |
| Return on Equity (ROE) | 11.5093% | 1,542 |
| Retained earnings to average equity (ytd only) | -21.3274% | 6,543 |
| Net charge-offs to loans | 0.1315% | 1,925 |
| Credit loss provision to net charge-offs | 230.7692% | 943 |
| Earnings coverage of net charge-offs (x) | 17.8615% | 1,441 |
| Efficiency ratio | 57.3353% | 5,718 |
| Assets per employee ($millions) | 4.2130% | 3,501 |
| Cash dividends to net income (ytd only)* | 285.3067% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,290 |
| Loan loss allowance to noncurrent loans | 188.8368% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 3,899 |
| Noncurrent loans to loans | 0.6716% | 4,180 |
| Net loans and leases to total assets | 69.8397% | 1,919 |
| Net loans and leases to deposits | 76.9273% | 2,692 |
| Net loans and leases to core deposits | 79.7358% | 2,998 |
| Total domestic deposits to total assets | 90.7866% | 648 |
| Equity capital to assets | 8.8637% | 5,260 |
| Core capital (leverage) ratio | 8.5263% | 5,606 |
| Tier 1 risk-based capital ratio | 10.8955% | 6,197 |
| Total risk-based capital ratio | 12.0327% | 6,209 |
| Memoranda: | ||
| Average total assets | $279,813,000 | 2,304 |
| Average earning assets | $257,258,000 | 2,304 |
| Average equity | $24,363,000 | 2,711 |
| Average total loans | $197,774,000 | 2,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 2,252 |
| Cost of funding earning assets | 0.7171% | 1,696 |
| Net interest margin | 3.7718% | 2,756 |
| Noninterest income to average assets | 0.3506% | 4,810 |
| Noninterest expense to average assets | 2.3362% | 5,267 |
| Loan and lease loss provision to assets | 0.0973% | 3,181 |
| Net operating income to assets | 0.9583% | 2,521 |
| Return on assets (ROA) | 0.9816% | 2,483 |
| Pretax return on assets | 1.4739% | 1,540 |
| Return on Equity (ROE) | 11.4852% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.4852% | 371 |
| Net charge-offs to loans | -0.0605% | 6,373 |
| Credit loss provision to net charge-offs | -243.1193% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4508% | 5,900 |
| Assets per employee ($millions) | 4.4615% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 4,954 |
| Loan loss allowance to noncurrent loans | 125.2146% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 3,572 |
| Noncurrent loans to loans | 0.9101% | 3,708 |
| Net loans and leases to total assets | 69.8238% | 2,045 |
| Net loans and leases to deposits | 82.2693% | 2,152 |
| Net loans and leases to core deposits | 85.1451% | 2,547 |
| Total domestic deposits to total assets | 84.8723% | 3,816 |
| Equity capital to assets | 8.5611% | 5,514 |
| Core capital (leverage) ratio | 8.5044% | 5,670 |
| Tier 1 risk-based capital ratio | 11.0354% | 6,158 |
| Total risk-based capital ratio | 12.0882% | 6,197 |
| Memoranda: | ||
| Average total assets | $272,406,200 | 2,329 |
| Average earning assets | $254,361,600 | 2,291 |
| Average equity | $23,282,200 | 2,791 |
| Average total loans | $180,113,000 | 2,194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,573 |
| Cost of funding earning assets | 0.7254% | 1,771 |
| Net interest margin | 3.6817% | 3,095 |
| Noninterest income to average assets | 0.3666% | 4,768 |
| Noninterest expense to average assets | 2.1909% | 5,627 |
| Loan and lease loss provision to assets | 0.1318% | 2,636 |
| Net operating income to assets | 1.0072% | 2,348 |
| Return on assets (ROA) | 1.0139% | 2,412 |
| Pretax return on assets | 1.5183% | 1,550 |
| Return on Equity (ROE) | 11.8679% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.8679% | 436 |
| Net charge-offs to loans | -0.0989% | 6,493 |
| Credit loss provision to net charge-offs | -205.4264% | 5,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7979% | 5,927 |
| Assets per employee ($millions) | 4.9561% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,801 |
| Loan loss allowance to noncurrent loans | 177.3926% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 4,227 |
| Noncurrent loans to loans | 0.6854% | 4,483 |
| Net loans and leases to total assets | 67.7025% | 2,336 |
| Net loans and leases to deposits | 79.6600% | 2,457 |
| Net loans and leases to core deposits | 82.3430% | 2,843 |
| Total domestic deposits to total assets | 84.9893% | 3,756 |
| Equity capital to assets | 8.6429% | 5,576 |
| Core capital (leverage) ratio | 8.5260% | 5,745 |
| Tier 1 risk-based capital ratio | 11.1982% | 6,186 |
| Total risk-based capital ratio | 12.3188% | 6,215 |
| Memoranda: | ||
| Average total assets | $268,008,500 | 2,383 |
| Average earning assets | $252,193,250 | 2,321 |
| Average equity | $22,896,000 | 2,863 |
| Average total loans | $173,936,000 | 2,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,874 |
| Cost of funding earning assets | 0.7368% | 1,794 |
| Net interest margin | 3.5813% | 3,446 |
| Noninterest income to average assets | 0.3914% | 4,588 |
| Noninterest expense to average assets | 2.1598% | 5,725 |
| Loan and lease loss provision to assets | 0.2014% | 1,883 |
| Net operating income to assets | 0.9375% | 2,630 |
| Return on assets (ROA) | 0.9476% | 2,727 |
| Pretax return on assets | 1.4143% | 1,879 |
| Return on Equity (ROE) | 11.1392% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.1392% | 621 |
| Net charge-offs to loans | -0.0645% | 6,353 |
| Credit loss provision to net charge-offs | -490.7407% | 5,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0024% | 5,966 |
| Assets per employee ($millions) | 4.8624% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,843 |
| Loan loss allowance to noncurrent loans | 236.9023% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 4,747 |
| Noncurrent loans to loans | 0.5184% | 4,974 |
| Net loans and leases to total assets | 66.1384% | 2,564 |
| Net loans and leases to deposits | 73.4669% | 3,229 |
| Net loans and leases to core deposits | 76.2576% | 3,514 |
| Total domestic deposits to total assets | 90.0248% | 1,009 |
| Equity capital to assets | 8.5114% | 5,751 |
| Core capital (leverage) ratio | 8.2079% | 5,999 |
| Tier 1 risk-based capital ratio | 11.4387% | 6,145 |
| Total risk-based capital ratio | 12.5872% | 6,152 |
| Memoranda: | ||
| Average total assets | $263,178,330 | 2,428 |
| Average earning assets | $247,561,330 | 2,374 |
| Average equity | $22,389,330 | 2,941 |
| Average total loans | $167,377,000 | 2,335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 4,043 |
| Cost of funding earning assets | 0.7385% | 1,936 |
| Net interest margin | 3.2798% | 4,590 |
| Noninterest income to average assets | 0.4715% | 3,983 |
| Noninterest expense to average assets | 2.1562% | 5,788 |
| Loan and lease loss provision to assets | 0.1952% | 1,895 |
| Net operating income to assets | 0.8216% | 3,041 |
| Return on assets (ROA) | 0.8431% | 3,076 |
| Pretax return on assets | 1.2303% | 2,470 |
| Return on Equity (ROE) | 9.9133% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.9133% | 1,131 |
| Net charge-offs to loans | 0.0379% | 3,499 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 59.5333% | 600 |
| Efficiency ratio | 59.1469% | 5,701 |
| Assets per employee ($millions) | 4.8515% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 5,009 |
| Loan loss allowance to noncurrent loans | 200.9709% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 4,738 |
| Noncurrent loans to loans | 0.6162% | 4,904 |
| Net loans and leases to total assets | 57.6759% | 3,818 |
| Net loans and leases to deposits | 63.2889% | 4,384 |
| Net loans and leases to core deposits | 65.8489% | 4,555 |
| Total domestic deposits to total assets | 91.1312% | 473 |
| Equity capital to assets | 8.3423% | 6,158 |
| Core capital (leverage) ratio | 7.6875% | 6,363 |
| Tier 1 risk-based capital ratio | 11.6873% | 6,094 |
| Total risk-based capital ratio | 12.8137% | 6,121 |
| Memoranda: | ||
| Average total assets | $256,188,500 | 2,526 |
| Average earning assets | $240,502,500 | 2,468 |
| Average equity | $21,789,000 | 3,052 |
| Average total loans | $158,272,000 | 2,474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 1,989 |
| Cost of funding earning assets | 0.9599% | 1,586 |
| Net interest margin | 3.8999% | 2,828 |
| Noninterest income to average assets | 0.3897% | 4,685 |
| Noninterest expense to average assets | 2.4276% | 5,333 |
| Loan and lease loss provision to assets | 0.2188% | 2,946 |
| Net operating income to assets | 0.9019% | 2,810 |
| Return on assets (ROA) | 0.9081% | 3,019 |
| Pretax return on assets | 1.3536% | 2,195 |
| Return on Equity (ROE) | 10.2998% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.1387% | 1,503 |
| Net charge-offs to loans | 0.2433% | 3,486 |
| Credit loss provision to net charge-offs | 137.7193% | 2,003 |
| Earnings coverage of net charge-offs (x) | 9.8392% | 2,215 |
| Efficiency ratio | 59.1782% | 5,673 |
| Assets per employee ($millions) | 4.4341% | 3,081 |
| Cash dividends to net income (ytd only)* | 30.6905% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,573 |
| Loan loss allowance to noncurrent loans | 138.7120% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 4,106 |
| Noncurrent loans to loans | 0.9459% | 4,300 |
| Net loans and leases to total assets | 65.1916% | 2,679 |
| Net loans and leases to deposits | 71.8404% | 3,437 |
| Net loans and leases to core deposits | 74.4489% | 3,725 |
| Total domestic deposits to total assets | 90.7450% | 595 |
| Equity capital to assets | 8.7111% | 5,842 |
| Core capital (leverage) ratio | 8.0151% | 6,178 |
| Tier 1 risk-based capital ratio | 11.0981% | 6,314 |
| Total risk-based capital ratio | 12.3319% | 6,281 |
| Memoranda: | ||
| Average total assets | $215,276,400 | 2,883 |
| Average earning assets | $198,773,000 | 2,860 |
| Average equity | $18,981,000 | 3,338 |
| Average total loans | $140,552,600 | 2,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 2,014 |
| Cost of funding earning assets | 0.9886% | 1,633 |
| Net interest margin | 3.9087% | 2,889 |
| Noninterest income to average assets | 0.4109% | 4,546 |
| Noninterest expense to average assets | 2.4124% | 5,358 |
| Loan and lease loss provision to assets | 0.1725% | 3,408 |
| Net operating income to assets | 0.9468% | 2,761 |
| Return on assets (ROA) | 0.9547% | 2,946 |
| Pretax return on assets | 1.4414% | 2,107 |
| Return on Equity (ROE) | 10.7932% | 2,034 |
| Retained earnings to average equity (ytd only) | 6.5383% | 2,363 |
| Net charge-offs to loans | 0.1475% | 3,929 |
| Credit loss provision to net charge-offs | 179.7386% | 1,552 |
| Earnings coverage of net charge-offs (x) | 16.6932% | 1,673 |
| Efficiency ratio | 58.4219% | 5,731 |
| Assets per employee ($millions) | 4.2934% | 3,284 |
| Cash dividends to net income (ytd only)* | 39.4219% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,495 |
| Loan loss allowance to noncurrent loans | 206.8856% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 4,525 |
| Noncurrent loans to loans | 0.6627% | 5,118 |
| Net loans and leases to total assets | 64.1598% | 3,001 |
| Net loans and leases to deposits | 70.8122% | 3,784 |
| Net loans and leases to core deposits | 73.4478% | 4,057 |
| Total domestic deposits to total assets | 90.6056% | 555 |
| Equity capital to assets | 8.8066% | 6,010 |
| Core capital (leverage) ratio | 7.8959% | 6,399 |
| Tier 1 risk-based capital ratio | 11.1491% | 6,417 |
| Total risk-based capital ratio | 12.3991% | 6,393 |
| Memoranda: | ||
| Average total assets | $212,561,000 | 2,932 |
| Average earning assets | $195,967,500 | 2,912 |
| Average equity | $18,801,500 | 3,392 |
| Average total loans | $138,345,000 | 2,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 2,027 |
| Cost of funding earning assets | 1.0085% | 1,721 |
| Net interest margin | 3.9118% | 2,858 |
| Noninterest income to average assets | 0.3963% | 4,682 |
| Noninterest expense to average assets | 2.4084% | 5,429 |
| Loan and lease loss provision to assets | 0.1663% | 3,442 |
| Net operating income to assets | 0.9271% | 2,775 |
| Return on assets (ROA) | 0.9390% | 2,977 |
| Pretax return on assets | 1.4304% | 2,088 |
| Return on Equity (ROE) | 10.6003% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.6003% | 829 |
| Net charge-offs to loans | 0.1752% | 3,548 |
| Credit loss provision to net charge-offs | 145.8333% | 1,901 |
| Earnings coverage of net charge-offs (x) | 13.8417% | 1,754 |
| Efficiency ratio | 58.7128% | 5,769 |
| Assets per employee ($millions) | 4.2201% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,729 |
| Loan loss allowance to noncurrent loans | 194.0329% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 4,502 |
| Noncurrent loans to loans | 0.6874% | 5,130 |
| Net loans and leases to total assets | 64.8230% | 2,871 |
| Net loans and leases to deposits | 71.6283% | 3,667 |
| Net loans and leases to core deposits | 74.1102% | 4,020 |
| Total domestic deposits to total assets | 90.4992% | 664 |
| Equity capital to assets | 8.9126% | 5,790 |
| Core capital (leverage) ratio | 8.1597% | 6,085 |
| Tier 1 risk-based capital ratio | 11.2373% | 6,377 |
| Total risk-based capital ratio | 12.4702% | 6,367 |
| Memoranda: | ||
| Average total assets | $210,427,670 | 2,963 |
| Average earning assets | $193,159,670 | 2,958 |
| Average equity | $18,641,000 | 3,407 |
| Average total loans | $136,980,670 | 2,799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 2,673 |
| Cost of funding earning assets | 1.0232% | 1,852 |
| Net interest margin | 3.7683% | 3,526 |
| Noninterest income to average assets | 0.4807% | 4,056 |
| Noninterest expense to average assets | 2.5592% | 4,962 |
| Loan and lease loss provision to assets | 0.0961% | 4,148 |
| Net operating income to assets | 0.8745% | 3,035 |
| Return on assets (ROA) | 0.8999% | 3,139 |
| Pretax return on assets | 1.3690% | 2,292 |
| Return on Equity (ROE) | 10.1903% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.1903% | 1,217 |
| Net charge-offs to loans | 0.0594% | 3,907 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 37.1000% | 792 |
| Efficiency ratio | 62.5181% | 5,186 |
| Assets per employee ($millions) | 4.3811% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 4,596 |
| Loan loss allowance to noncurrent loans | 239.2031% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 5,130 |
| Noncurrent loans to loans | 0.5866% | 5,493 |
| Net loans and leases to total assets | 62.1865% | 3,223 |
| Net loans and leases to deposits | 68.6148% | 3,943 |
| Net loans and leases to core deposits | 70.9096% | 4,307 |
| Total domestic deposits to total assets | 90.6313% | 730 |
| Equity capital to assets | 8.8257% | 5,721 |
| Core capital (leverage) ratio | 8.0047% | 6,257 |
| Tier 1 risk-based capital ratio | 11.4917% | 6,287 |
| Total risk-based capital ratio | 12.7424% | 6,268 |
| Memoranda: | ||
| Average total assets | $208,030,000 | 3,015 |
| Average earning assets | $193,511,500 | 2,979 |
| Average equity | $18,370,500 | 3,443 |
| Average total loans | $134,771,000 | 2,858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 2,137 |
| Cost of funding earning assets | 1.3054% | 1,456 |
| Net interest margin | 3.8777% | 3,436 |
| Noninterest income to average assets | 0.3412% | 5,089 |
| Noninterest expense to average assets | 2.6213% | 5,010 |
| Loan and lease loss provision to assets | 0.1661% | 4,562 |
| Net operating income to assets | 0.7557% | 3,236 |
| Return on assets (ROA) | 0.7557% | 3,401 |
| Pretax return on assets | 1.1606% | 2,609 |
| Return on Equity (ROE) | 7.9703% | 2,922 |
| Retained earnings to average equity (ytd only) | 1.6895% | 5,010 |
| Net charge-offs to loans | 0.3565% | 3,622 |
| Credit loss provision to net charge-offs | 66.5871% | 4,979 |
| Earnings coverage of net charge-offs (x) | 5.3174% | 2,833 |
| Efficiency ratio | 64.8869% | 4,967 |
| Assets per employee ($millions) | 4.2868% | 3,287 |
| Cash dividends to net income (ytd only)* | 78.8022% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,721 |
| Loan loss allowance to noncurrent loans | 111.1044% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 4,193 |
| Noncurrent loans to loans | 1.2037% | 4,365 |
| Net loans and leases to total assets | 65.6453% | 2,848 |
| Net loans and leases to deposits | 72.4527% | 3,737 |
| Net loans and leases to core deposits | 74.7895% | 4,136 |
| Total domestic deposits to total assets | 90.6043% | 664 |
| Equity capital to assets | 8.8358% | 5,750 |
| Core capital (leverage) ratio | 9.8314% | 3,542 |
| Tier 1 risk-based capital ratio | 10.6260% | 6,632 |
| Total risk-based capital ratio | 11.8241% | 6,630 |
| Memoranda: | ||
| Average total assets | $167,931,000 | 3,521 |
| Average earning assets | $156,201,400 | 3,472 |
| Average equity | $15,921,600 | 3,741 |
| Average total loans | $117,524,600 | 3,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 1,269 |
| Cost of funding earning assets | 1.4276% | 1,119 |
| Net interest margin | 4.0637% | 2,628 |
| Noninterest income to average assets | 0.3635% | 4,963 |
| Noninterest expense to average assets | 2.7209% | 4,650 |
| Loan and lease loss provision to assets | 0.1910% | 4,115 |
| Net operating income to assets | 0.7984% | 3,172 |
| Return on assets (ROA) | 0.7984% | 3,334 |
| Pretax return on assets | 1.2427% | 2,479 |
| Return on Equity (ROE) | 8.2394% | 2,943 |
| Retained earnings to average equity (ytd only) | -0.4428% | 6,059 |
| Net charge-offs to loans | 0.4260% | 3,011 |
| Credit loss provision to net charge-offs | 63.0556% | 4,705 |
| Earnings coverage of net charge-offs (x) | 4.7333% | 2,979 |
| Efficiency ratio | 63.9733% | 5,075 |
| Assets per employee ($millions) | 3.9243% | 4,019 |
| Cash dividends to net income (ytd only)* | 105.3742% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,565 |
| Loan loss allowance to noncurrent loans | 97.7660% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 3,966 |
| Noncurrent loans to loans | 1.6586% | 3,811 |
| Net loans and leases to total assets | 67.6581% | 2,547 |
| Net loans and leases to deposits | 75.2944% | 3,455 |
| Net loans and leases to core deposits | 77.5539% | 3,971 |
| Total domestic deposits to total assets | 89.8580% | 945 |
| Equity capital to assets | 9.5656% | 4,985 |
| Core capital (leverage) ratio | 9.0441% | 4,859 |
| Tier 1 risk-based capital ratio | 11.5763% | 6,191 |
| Total risk-based capital ratio | 12.8300% | 6,185 |
| Memoranda: | ||
| Average total assets | $158,472,500 | 3,677 |
| Average earning assets | $147,842,750 | 3,630 |
| Average equity | $15,356,750 | 3,848 |
| Average total loans | $112,679,250 | 3,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5540% | 1,166 |
| Cost of funding earning assets | 1.4955% | 1,024 |
| Net interest margin | 4.0585% | 2,580 |
| Noninterest income to average assets | 0.3466% | 5,110 |
| Noninterest expense to average assets | 2.7207% | 4,737 |
| Loan and lease loss provision to assets | 0.2238% | 3,680 |
| Net operating income to assets | 0.7381% | 3,347 |
| Return on assets (ROA) | 0.7381% | 3,466 |
| Pretax return on assets | 1.1858% | 2,537 |
| Return on Equity (ROE) | 7.5820% | 3,150 |
| Retained earnings to average equity (ytd only) | -5.5584% | 6,613 |
| Net charge-offs to loans | 0.6580% | 2,200 |
| Credit loss provision to net charge-offs | 47.2973% | 4,653 |
| Earnings coverage of net charge-offs (x) | 2.9784% | 3,361 |
| Efficiency ratio | 64.3233% | 5,179 |
| Assets per employee ($millions) | 3.6684% | 4,521 |
| Cash dividends to net income (ytd only)* | 173.3102% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,709 |
| Loan loss allowance to noncurrent loans | 87.4016% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,540 |
| Noncurrent loans to loans | 1.8247% | 3,720 |
| Net loans and leases to total assets | 71.1252% | 1,975 |
| Net loans and leases to deposits | 79.6123% | 2,864 |
| Net loans and leases to core deposits | 82.1278% | 3,486 |
| Total domestic deposits to total assets | 89.3394% | 1,339 |
| Equity capital to assets | 9.9161% | 4,255 |
| Core capital (leverage) ratio | 8.7880% | 5,069 |
| Tier 1 risk-based capital ratio | 11.4829% | 6,179 |
| Total risk-based capital ratio | 12.7359% | 6,166 |
| Memoranda: | ||
| Average total assets | $156,356,670 | 3,747 |
| Average earning assets | $145,767,670 | 3,696 |
| Average equity | $15,220,330 | 3,869 |
| Average total loans | $112,455,000 | 3,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 1,440 |
| Cost of funding earning assets | 1.5330% | 1,042 |
| Net interest margin | 3.9129% | 3,075 |
| Noninterest income to average assets | 0.3606% | 5,024 |
| Noninterest expense to average assets | 2.5295% | 5,452 |
| Loan and lease loss provision to assets | 0.1905% | 3,722 |
| Net operating income to assets | 0.8813% | 2,658 |
| Return on assets (ROA) | 0.8813% | 2,719 |
| Pretax return on assets | 1.2902% | 2,071 |
| Return on Equity (ROE) | 9.1367% | 2,415 |
| Retained earnings to average equity (ytd only) | -17.1938% | 7,097 |
| Net charge-offs to loans | 0.8035% | 1,620 |
| Credit loss provision to net charge-offs | 33.0396% | 4,069 |
| Earnings coverage of net charge-offs (x) | 2.5683% | 3,052 |
| Efficiency ratio | 61.4946% | 5,760 |
| Assets per employee ($millions) | 3.7957% | 4,309 |
| Cash dividends to net income (ytd only)* | 288.1844% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 3,483 |
| Loan loss allowance to noncurrent loans | 141.2267% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 4,518 |
| Noncurrent loans to loans | 1.1762% | 4,730 |
| Net loans and leases to total assets | 67.5499% | 2,647 |
| Net loans and leases to deposits | 74.9202% | 3,608 |
| Net loans and leases to core deposits | 78.8663% | 3,915 |
| Total domestic deposits to total assets | 90.1625% | 1,050 |
| Equity capital to assets | 9.3370% | 4,668 |
| Core capital (leverage) ratio | 8.4465% | 5,550 |
| Tier 1 risk-based capital ratio | 11.2792% | 6,277 |
| Total risk-based capital ratio | 12.5326% | 6,253 |
| Memoranda: | ||
| Average total assets | $157,499,000 | 3,750 |
| Average earning assets | $146,899,000 | 3,700 |
| Average equity | $15,191,500 | 3,865 |
| Average total loans | $113,002,500 | 3,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9469% | 949 |
| Cost of funding earning assets | 1.9154% | 801 |
| Net interest margin | 4.0315% | 2,884 |
| Noninterest income to average assets | 0.4316% | 4,671 |
| Noninterest expense to average assets | 2.7987% | 4,613 |
| Loan and lease loss provision to assets | 0.2453% | 4,835 |
| Net operating income to assets | 0.7300% | 3,102 |
| Return on assets (ROA) | 0.7300% | 3,226 |
| Pretax return on assets | 1.1166% | 2,518 |
| Return on Equity (ROE) | 7.2450% | 3,007 |
| Retained earnings to average equity (ytd only) | 3.2968% | 3,562 |
| Net charge-offs to loans | 0.2809% | 4,616 |
| Credit loss provision to net charge-offs | 118.9711% | 3,569 |
| Earnings coverage of net charge-offs (x) | 6.6045% | 2,325 |
| Efficiency ratio | 65.6733% | 5,031 |
| Assets per employee ($millions) | 3.3102% | 5,410 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 3,242 |
| Loan loss allowance to noncurrent loans | 129.4156% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 4,134 |
| Noncurrent loans to loans | 1.3073% | 4,530 |
| Net loans and leases to total assets | 73.6139% | 1,744 |
| Net loans and leases to deposits | 82.2261% | 2,760 |
| Net loans and leases to core deposits | 86.7057% | 3,227 |
| Total domestic deposits to total assets | 89.5262% | 1,370 |
| Equity capital to assets | 9.9616% | 3,795 |
| Core capital (leverage) ratio | 9.1749% | 4,220 |
| Tier 1 risk-based capital ratio | 11.4424% | 5,956 |
| Total risk-based capital ratio | 12.6969% | 5,948 |
| Memoranda: | ||
| Average total assets | $150,820,000 | 3,858 |
| Average earning assets | $139,500,200 | 3,829 |
| Average equity | $15,196,600 | 3,905 |
| Average total loans | $110,714,000 | 3,527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0013% | 934 |
| Cost of funding earning assets | 1.9953% | 763 |
| Net interest margin | 4.0060% | 3,078 |
| Noninterest income to average assets | 0.4259% | 4,752 |
| Noninterest expense to average assets | 2.7008% | 4,874 |
| Loan and lease loss provision to assets | 0.3030% | 4,152 |
| Net operating income to assets | 0.7164% | 3,343 |
| Return on assets (ROA) | 0.7164% | 3,494 |
| Pretax return on assets | 1.1236% | 2,756 |
| Return on Equity (ROE) | 7.0892% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.7987% | 5,062 |
| Net charge-offs to loans | 0.3356% | 3,974 |
| Credit loss provision to net charge-offs | 123.6364% | 3,313 |
| Earnings coverage of net charge-offs (x) | 5.8218% | 2,668 |
| Efficiency ratio | 63.8169% | 5,276 |
| Assets per employee ($millions) | 3.1237% | 5,869 |
| Cash dividends to net income (ytd only)* | 74.6271% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,935 |
| Loan loss allowance to noncurrent loans | 131.8000% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 3,823 |
| Noncurrent loans to loans | 1.3356% | 4,624 |
| Net loans and leases to total assets | 75.1516% | 1,560 |
| Net loans and leases to deposits | 84.9742% | 2,522 |
| Net loans and leases to core deposits | 87.5214% | 3,445 |
| Total domestic deposits to total assets | 88.4405% | 1,704 |
| Equity capital to assets | 10.5004% | 3,517 |
| Core capital (leverage) ratio | 9.2317% | 4,311 |
| Tier 1 risk-based capital ratio | 11.6878% | 5,740 |
| Total risk-based capital ratio | 12.9318% | 5,723 |
| Memoranda: | ||
| Average total assets | $149,630,500 | 3,930 |
| Average earning assets | $138,254,750 | 3,901 |
| Average equity | $15,121,250 | 3,969 |
| Average total loans | $109,268,000 | 3,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 1,082 |
| Cost of funding earning assets | 2.0492% | 772 |
| Net interest margin | 3.8902% | 3,490 |
| Noninterest income to average assets | 0.4476% | 4,538 |
| Noninterest expense to average assets | 2.7177% | 4,836 |
| Loan and lease loss provision to assets | 0.2657% | 4,267 |
| Net operating income to assets | 0.6575% | 3,596 |
| Return on assets (ROA) | 0.6575% | 3,749 |
| Pretax return on assets | 1.0626% | 2,891 |
| Return on Equity (ROE) | 6.5899% | 3,502 |
| Retained earnings to average equity (ytd only) | -1.3979% | 6,044 |
| Net charge-offs to loans | 0.0979% | 5,161 |
| Credit loss provision to net charge-offs | 377.3585% | 960 |
| Earnings coverage of net charge-offs (x) | 18.8679% | 1,273 |
| Efficiency ratio | 65.5286% | 5,061 |
| Assets per employee ($millions) | 3.1526% | 5,784 |
| Cash dividends to net income (ytd only)* | 121.2121% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,487 |
| Loan loss allowance to noncurrent loans | 131.4815% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,787 |
| Noncurrent loans to loans | 1.4273% | 4,570 |
| Net loans and leases to total assets | 72.6551% | 2,237 |
| Net loans and leases to deposits | 84.7251% | 2,749 |
| Net loans and leases to core deposits | 87.5046% | 3,618 |
| Total domestic deposits to total assets | 85.7539% | 3,231 |
| Equity capital to assets | 10.2002% | 3,768 |
| Core capital (leverage) ratio | 9.0165% | 4,575 |
| Tier 1 risk-based capital ratio | 11.5835% | 5,685 |
| Total risk-based capital ratio | 12.8402% | 5,644 |
| Memoranda: | ||
| Average total assets | $150,569,330 | 3,943 |
| Average earning assets | $139,272,000 | 3,916 |
| Average equity | $15,023,000 | 3,989 |
| Average total loans | $108,254,000 | 3,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 1,182 |
| Cost of funding earning assets | 2.0921% | 834 |
| Net interest margin | 3.8188% | 3,713 |
| Noninterest income to average assets | 0.4059% | 4,869 |
| Noninterest expense to average assets | 2.5566% | 5,530 |
| Loan and lease loss provision to assets | 0.2636% | 3,922 |
| Net operating income to assets | 0.7432% | 3,243 |
| Return on assets (ROA) | 0.7432% | 3,350 |
| Pretax return on assets | 1.1122% | 2,693 |
| Return on Equity (ROE) | 7.5313% | 3,097 |
| Retained earnings to average equity (ytd only) | -8.4927% | 6,866 |
| Net charge-offs to loans | 0.1525% | 4,018 |
| Credit loss provision to net charge-offs | 243.9024% | 1,575 |
| Earnings coverage of net charge-offs (x) | 12.7317% | 1,544 |
| Efficiency ratio | 63.3378% | 5,611 |
| Assets per employee ($millions) | 3.1782% | 5,815 |
| Cash dividends to net income (ytd only)* | 212.7660% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,589 |
| Loan loss allowance to noncurrent loans | 102.6563% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 3,650 |
| Noncurrent loans to loans | 1.7990% | 4,050 |
| Net loans and leases to total assets | 70.1271% | 2,902 |
| Net loans and leases to deposits | 80.1845% | 3,626 |
| Net loans and leases to core deposits | 82.8801% | 4,363 |
| Total domestic deposits to total assets | 87.4572% | 2,381 |
| Equity capital to assets | 9.9179% | 3,962 |
| Core capital (leverage) ratio | 8.7579% | 4,926 |
| Tier 1 risk-based capital ratio | 11.4190% | 5,745 |
| Total risk-based capital ratio | 12.6797% | 5,711 |
| Memoranda: | ||
| Average total assets | $151,767,000 | 3,985 |
| Average earning assets | $140,147,500 | 3,961 |
| Average equity | $14,977,500 | 4,021 |
| Average total loans | $107,523,500 | 3,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0874% | 1,554 |
| Cost of funding earning assets | 2.3387% | 1,496 |
| Net interest margin | 3.7487% | 3,917 |
| Noninterest income to average assets | 0.5252% | 4,216 |
| Noninterest expense to average assets | 2.9917% | 4,176 |
| Loan and lease loss provision to assets | 0.3396% | 4,768 |
| Net operating income to assets | 0.4539% | 3,911 |
| Return on assets (ROA) | 0.4539% | 4,037 |
| Pretax return on assets | 0.6711% | 3,679 |
| Return on Equity (ROE) | 4.5520% | 3,858 |
| Retained earnings to average equity (ytd only) | 4.5520% | 2,070 |
| Net charge-offs to loans | 0.4211% | 4,112 |
| Credit loss provision to net charge-offs | 115.0342% | 4,745 |
| Earnings coverage of net charge-offs (x) | 3.4237% | 3,350 |
| Efficiency ratio | 73.0679% | 4,080 |
| Assets per employee ($millions) | 3.7600% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,655 |
| Loan loss allowance to noncurrent loans | 98.2024% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 3,381 |
| Noncurrent loans to loans | 1.7974% | 3,937 |
| Net loans and leases to total assets | 69.0272% | 3,482 |
| Net loans and leases to deposits | 80.1251% | 3,965 |
| Net loans and leases to core deposits | 96.4715% | 4,405 |
| Total domestic deposits to total assets | 86.1493% | 2,935 |
| Equity capital to assets | 9.8211% | 3,982 |
| Core capital (leverage) ratio | 8.8725% | 4,637 |
| Tier 1 risk-based capital ratio | 11.6390% | 5,259 |
| Total risk-based capital ratio | 12.8939% | 5,207 |
| Memoranda: | ||
| Average total assets | $148,709,400 | 3,977 |
| Average earning assets | $137,941,200 | 3,941 |
| Average equity | $14,828,600 | 4,091 |
| Average total loans | $104,242,600 | 3,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 1,439 |
| Cost of funding earning assets | 2.3557% | 1,783 |
| Net interest margin | 3.8156% | 3,591 |
| Noninterest income to average assets | 0.5565% | 4,035 |
| Noninterest expense to average assets | 2.9345% | 4,298 |
| Loan and lease loss provision to assets | 0.3665% | 4,123 |
| Net operating income to assets | 0.5275% | 3,872 |
| Return on assets (ROA) | 0.5275% | 3,960 |
| Pretax return on assets | 0.8053% | 3,521 |
| Return on Equity (ROE) | 5.2696% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.2696% | 2,332 |
| Net charge-offs to loans | 0.5980% | 2,884 |
| Credit loss provision to net charge-offs | 87.4730% | 5,553 |
| Earnings coverage of net charge-offs (x) | 2.7970% | 3,818 |
| Efficiency ratio | 69.8105% | 4,628 |
| Assets per employee ($millions) | 3.6402% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 2,567 |
| Loan loss allowance to noncurrent loans | 103.7725% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8030% | 3,654 |
| Noncurrent loans to loans | 1.6540% | 4,162 |
| Net loans and leases to total assets | 68.6003% | 3,822 |
| Net loans and leases to deposits | 80.5745% | 4,286 |
| Net loans and leases to core deposits | 96.8519% | 4,721 |
| Total domestic deposits to total assets | 85.1390% | 3,156 |
| Equity capital to assets | 10.1414% | 3,918 |
| Core capital (leverage) ratio | 8.9448% | 4,739 |
| Tier 1 risk-based capital ratio | 11.4147% | 5,514 |
| Total risk-based capital ratio | 12.6683% | 5,453 |
| Memoranda: | ||
| Average total assets | $147,347,250 | 4,017 |
| Average earning assets | $137,083,500 | 3,985 |
| Average equity | $14,750,750 | 4,141 |
| Average total loans | $103,222,500 | 3,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1096% | 1,763 |
| Cost of funding earning assets | 2.3621% | 2,117 |
| Net interest margin | 3.7475% | 3,763 |
| Noninterest income to average assets | 0.5930% | 3,753 |
| Noninterest expense to average assets | 3.0195% | 4,008 |
| Loan and lease loss provision to assets | 0.4294% | 3,407 |
| Net operating income to assets | 0.4035% | 4,502 |
| Return on assets (ROA) | 0.4035% | 4,614 |
| Pretax return on assets | 0.6325% | 4,227 |
| Return on Equity (ROE) | 4.0486% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.0486% | 3,035 |
| Net charge-offs to loans | 0.8513% | 1,990 |
| Credit loss provision to net charge-offs | 71.9178% | 5,386 |
| Earnings coverage of net charge-offs (x) | 1.7785% | 4,224 |
| Efficiency ratio | 72.3113% | 4,343 |
| Assets per employee ($millions) | 3.5784% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 2,531 |
| Loan loss allowance to noncurrent loans | 84.7933% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,572 |
| Noncurrent loans to loans | 1.9435% | 3,609 |
| Net loans and leases to total assets | 70.0864% | 3,686 |
| Net loans and leases to deposits | 82.2729% | 4,182 |
| Net loans and leases to core deposits | 98.0379% | 4,696 |
| Total domestic deposits to total assets | 85.1877% | 3,171 |
| Equity capital to assets | 10.0350% | 3,893 |
| Core capital (leverage) ratio | 8.7986% | 4,947 |
| Tier 1 risk-based capital ratio | 11.8352% | 5,066 |
| Total risk-based capital ratio | 13.0886% | 4,976 |
| Memoranda: | ||
| Average total assets | $146,713,000 | 4,058 |
| Average earning assets | $136,572,670 | 4,018 |
| Average equity | $14,622,330 | 4,178 |
| Average total loans | $102,905,330 | 3,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0879% | 1,984 |
| Cost of funding earning assets | 2.3483% | 2,512 |
| Net interest margin | 3.7396% | 3,711 |
| Noninterest income to average assets | 0.6025% | 3,527 |
| Noninterest expense to average assets | 2.8491% | 4,336 |
| Loan and lease loss provision to assets | 0.2590% | 3,894 |
| Net operating income to assets | 0.6325% | 3,873 |
| Return on assets (ROA) | 0.6325% | 4,053 |
| Pretax return on assets | 0.9679% | 3,475 |
| Return on Equity (ROE) | 6.3684% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.3684% | 2,471 |
| Net charge-offs to loans | 0.7131% | 1,757 |
| Credit loss provision to net charge-offs | 52.1978% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.4725% | 3,508 |
| Efficiency ratio | 68.2274% | 4,917 |
| Assets per employee ($millions) | 3.0812% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 2,020 |
| Loan loss allowance to noncurrent loans | 92.5789% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.7039% | 3,362 |
| Noncurrent loans to loans | 1.8751% | 3,451 |
| Net loans and leases to total assets | 67.3232% | 4,287 |
| Net loans and leases to deposits | 79.1241% | 4,754 |
| Net loans and leases to core deposits | 93.3316% | 5,227 |
| Total domestic deposits to total assets | 85.0856% | 3,159 |
| Equity capital to assets | 9.9495% | 4,053 |
| Core capital (leverage) ratio | 8.9241% | 4,833 |
| Tier 1 risk-based capital ratio | 12.3262% | 4,682 |
| Total risk-based capital ratio | 13.5821% | 4,596 |
| Memoranda: | ||
| Average total assets | $146,711,500 | 4,061 |
| Average earning assets | $136,271,000 | 4,033 |
| Average equity | $14,572,000 | 4,210 |
| Average total loans | $102,082,500 | 3,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8772% | 1,474 |
| Cost of funding earning assets | 2.9389% | 2,103 |
| Net interest margin | 3.9383% | 3,405 |
| Noninterest income to average assets | 0.4407% | 5,111 |
| Noninterest expense to average assets | 3.2243% | 3,240 |
| Loan and lease loss provision to assets | 0.1166% | 5,883 |
| Net operating income to assets | 0.4947% | 4,761 |
| Return on assets (ROA) | 0.4947% | 4,598 |
| Pretax return on assets | 0.7287% | 4,306 |
| Return on Equity (ROE) | 4.8652% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.7406% | 3,475 |
| Net charge-offs to loans | 0.8721% | 1,430 |
| Credit loss provision to net charge-offs | 18.2227% | 6,590 |
| Earnings coverage of net charge-offs (x) | 1.3206% | 5,466 |
| Efficiency ratio | 77.4593% | 3,000 |
| Assets per employee ($millions) | 2.9105% | 6,265 |
| Cash dividends to net income (ytd only)* | 43.6681% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 1,645 |
| Loan loss allowance to noncurrent loans | 106.4591% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5262% | 3,164 |
| Noncurrent loans to loans | 1.6862% | 3,239 |
| Net loans and leases to total assets | 69.3972% | 4,169 |
| Net loans and leases to deposits | 86.4042% | 4,054 |
| Net loans and leases to core deposits | 100.3647% | 4,789 |
| Total domestic deposits to total assets | 80.3169% | 4,901 |
| Equity capital to assets | 9.9151% | 4,139 |
| Core capital (leverage) ratio | 9.2904% | 4,311 |
| Tier 1 risk-based capital ratio | 11.2765% | 5,460 |
| Total risk-based capital ratio | 12.5313% | 5,345 |
| Memoranda: | ||
| Average total assets | $138,881,800 | 4,104 |
| Average earning assets | $127,973,400 | 4,086 |
| Average equity | $14,120,800 | 4,316 |
| Average total loans | $101,938,800 | 3,896 |