Home > First Liberty Bank > Performance and Condition Ratios
First Liberty Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 1,620 |
| Cost of funding earning assets | 1.3969% | 2,241 |
| Net interest margin | 3.8268% | 1,522 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 3.5824% | 524 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.5069% | 3,656 |
| Return on assets (ROA) | 0.4109% | 3,845 |
| Pretax return on assets | 0.4942% | 3,823 |
| Return on Equity (ROE) | 5.1500% | 3,696 |
| Retained earnings to average equity (ytd only) | -1.0356% | 4,189 |
| Net charge-offs to loans | 0.1547% | 672 |
| Credit loss provision to net charge-offs | 156.5302% | 1,434 |
| Earnings coverage of net charge-offs (x) | 7.3138% | 2,419 |
| Efficiency ratio | 81.6510% | 800 |
| Assets per employee ($millions) | 5.8466% | 2,945 |
| Cash dividends to net income (ytd only)* | 120.1044% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 2,835 |
| Loan loss allowance to noncurrent loans | 372.7992% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 1,511 |
| Noncurrent loans to loans | 0.2952% | 2,121 |
| Net loans and leases to total assets | 70.6400% | 1,740 |
| Net loans and leases to deposits | 81.4110% | 1,995 |
| Net loans and leases to core deposits | 87.0671% | 2,241 |
| Total domestic deposits to total assets | 86.7700% | 1,764 |
| Equity capital to assets | 8.1262% | 3,334 |
| Core capital (leverage) ratio | 9.4373% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1392% | 1,497 |
| Memoranda: | ||
| Average total assets | $466,050,200 | 1,807 |
| Average earning assets | $429,945,800 | 1,812 |
| Average equity | $37,177,600 | 1,972 |
| Average total loans | $331,510,000 | 1,679 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 1,581 |
| Cost of funding earning assets | 1.2531% | 2,275 |
| Net interest margin | 3.8721% | 1,457 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.5918% | 503 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.5761% | 3,610 |
| Return on assets (ROA) | 0.5541% | 3,641 |
| Pretax return on assets | 0.6737% | 3,599 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | -1.3684% | 4,279 |
| Net charge-offs to loans | 0.0787% | 931 |
| Credit loss provision to net charge-offs | 191.7526% | 1,152 |
| Earnings coverage of net charge-offs (x) | 15.1546% | 1,970 |
| Efficiency ratio | 80.9153% | 809 |
| Assets per employee ($millions) | 5.7110% | 3,007 |
| Cash dividends to net income (ytd only)* | 119.6048% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,911 |
| Loan loss allowance to noncurrent loans | 320.5083% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 1,468 |
| Noncurrent loans to loans | 0.3401% | 2,013 |
| Net loans and leases to total assets | 70.8500% | 1,724 |
| Net loans and leases to deposits | 81.3330% | 1,952 |
| Net loans and leases to core deposits | 86.5993% | 2,149 |
| Total domestic deposits to total assets | 87.1200% | 1,852 |
| Equity capital to assets | 7.6528% | 3,270 |
| Core capital (leverage) ratio | 9.6626% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1666% | 1,518 |
| Memoranda: | ||
| Average total assets | $462,706,500 | 1,817 |
| Average earning assets | $426,563,500 | 1,821 |
| Average equity | $36,732,250 | 1,978 |
| Average total loans | $328,775,750 | 1,689 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,414 |
| Cost of funding earning assets | 1.0593% | 2,419 |
| Net interest margin | 4.0129% | 1,217 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 3.5904% | 481 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6797% | 3,388 |
| Return on assets (ROA) | 0.6466% | 3,480 |
| Pretax return on assets | 0.7873% | 3,424 |
| Return on Equity (ROE) | 8.0500% | 3,221 |
| Retained earnings to average equity (ytd only) | -4.3748% | 4,404 |
| Net charge-offs to loans | 0.0239% | 1,405 |
| Credit loss provision to net charge-offs | 661.5385% | 545 |
| Earnings coverage of net charge-offs (x) | 57.3077% | 1,216 |
| Efficiency ratio | 78.7305% | 945 |
| Assets per employee ($millions) | 5.9935% | 2,713 |
| Cash dividends to net income (ytd only)* | 154.3624% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 2,898 |
| Loan loss allowance to noncurrent loans | 274.7400% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 1,347 |
| Noncurrent loans to loans | 0.4048% | 1,716 |
| Net loans and leases to total assets | 71.2500% | 1,613 |
| Net loans and leases to deposits | 83.0938% | 1,753 |
| Net loans and leases to core deposits | 86.0111% | 2,071 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 7.9491% | 3,247 |
| Core capital (leverage) ratio | 9.5791% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1358% | 1,532 |
| Memoranda: | ||
| Average total assets | $460,842,667 | 1,826 |
| Average earning assets | $424,983,333 | 1,827 |
| Average equity | $37,030,333 | 1,981 |
| Average total loans | $326,544,667 | 1,683 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,505 |
| Cost of funding earning assets | 0.8563% | 2,522 |
| Net interest margin | 3.9947% | 1,272 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.5679% | 498 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.7004% | 3,463 |
| Return on assets (ROA) | 0.6333% | 3,583 |
| Pretax return on assets | 0.7636% | 3,542 |
| Return on Equity (ROE) | 7.8400% | 3,330 |
| Retained earnings to average equity (ytd only) | -16.8911% | 4,566 |
| Net charge-offs to loans | -0.0074% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.5578% | 951 |
| Assets per employee ($millions) | 5.3275% | 3,385 |
| Cash dividends to net income (ytd only)* | 315.5007% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,186 |
| Loan loss allowance to noncurrent loans | 354.4821% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,049 |
| Noncurrent loans to loans | 0.3030% | 2,062 |
| Net loans and leases to total assets | 70.7300% | 1,553 |
| Net loans and leases to deposits | 80.1251% | 1,808 |
| Net loans and leases to core deposits | 81.6102% | 2,139 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 8.0072% | 3,237 |
| Core capital (leverage) ratio | 9.3741% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8881% | 1,658 |
| Memoranda: | ||
| Average total assets | $460,437,500 | 1,851 |
| Average earning assets | $425,566,500 | 1,846 |
| Average equity | $37,203,000 | 2,001 |
| Average total loans | $323,557,000 | 1,712 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 818 |
| Cost of funding earning assets | 0.2718% | 3,138 |
| Net interest margin | 4.1669% | 584 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.2989% | 625 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1633% | 1,920 |
| Return on assets (ROA) | 1.1633% | 1,851 |
| Pretax return on assets | 1.3765% | 1,840 |
| Return on Equity (ROE) | 13.2500% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.0253% | 1,819 |
| Net charge-offs to loans | 0.0347% | 1,386 |
| Credit loss provision to net charge-offs | 385.1485% | 793 |
| Earnings coverage of net charge-offs (x) | 63.3069% | 1,215 |
| Efficiency ratio | 69.2389% | 1,794 |
| Assets per employee ($millions) | 5.3810% | 3,337 |
| Cash dividends to net income (ytd only)* | 39.4089% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 2,887 |
| Loan loss allowance to noncurrent loans | 537.7125% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,551 |
| Noncurrent loans to loans | 0.2049% | 2,468 |
| Net loans and leases to total assets | 68.2700% | 1,802 |
| Net loans and leases to deposits | 74.6727% | 2,201 |
| Net loans and leases to core deposits | 75.7294% | 2,442 |
| Total domestic deposits to total assets | 91.4300% | 801 |
| Equity capital to assets | 8.1536% | 2,961 |
| Core capital (leverage) ratio | 9.8876% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7007% | 1,434 |
| Memoranda: | ||
| Average total assets | $436,264,600 | 1,900 |
| Average earning assets | $403,559,600 | 1,904 |
| Average equity | $38,316,200 | 1,982 |
| Average total loans | $290,763,000 | 1,767 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 663 |
| Cost of funding earning assets | 0.2119% | 3,124 |
| Net interest margin | 4.1328% | 485 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 3.2795% | 615 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1186% | 2,009 |
| Return on assets (ROA) | 1.1186% | 1,974 |
| Pretax return on assets | 1.3640% | 1,834 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.5860% | 2,897 |
| Net charge-offs to loans | 0.0220% | 1,397 |
| Credit loss provision to net charge-offs | 827.6596% | 461 |
| Earnings coverage of net charge-offs (x) | 102.0851% | 940 |
| Efficiency ratio | 68.8421% | 1,908 |
| Assets per employee ($millions) | 5.3163% | 3,400 |
| Cash dividends to net income (ytd only)* | 55.3097% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,781 |
| Loan loss allowance to noncurrent loans | 779.9117% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,952 |
| Noncurrent loans to loans | 0.1478% | 2,870 |
| Net loans and leases to total assets | 67.0300% | 1,784 |
| Net loans and leases to deposits | 74.2433% | 2,027 |
| Net loans and leases to core deposits | 75.4187% | 2,243 |
| Total domestic deposits to total assets | 90.2800% | 1,537 |
| Equity capital to assets | 7.8409% | 2,992 |
| Core capital (leverage) ratio | 9.7733% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8901% | 1,461 |
| Memoranda: | ||
| Average total assets | $430,985,500 | 1,929 |
| Average earning assets | $398,911,750 | 1,933 |
| Average equity | $38,572,000 | 2,001 |
| Average total loans | $284,517,750 | 1,787 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 590 |
| Cost of funding earning assets | 0.1593% | 3,458 |
| Net interest margin | 4.0736% | 419 |
| Noninterest income to average assets | 0.9717% | 714 |
| Noninterest expense to average assets | 3.1918% | 639 |
| Loan and lease loss provision to assets | 0.1406% | 683 |
| Net operating income to assets | 1.1580% | 1,575 |
| Return on assets (ROA) | 1.1580% | 1,556 |
| Pretax return on assets | 1.4155% | 1,393 |
| Return on Equity (ROE) | 12.3931% | 1,553 |
| Retained earnings to average equity (ytd only) | 2.2969% | 3,669 |
| Net charge-offs to loans | 0.0281% | 1,160 |
| Credit loss provision to net charge-offs | 764.1026% | 485 |
| Earnings coverage of net charge-offs (x) | 84.5897% | 905 |
| Efficiency ratio | 67.2263% | 2,351 |
| Assets per employee ($millions) | 5.3726% | 3,370 |
| Cash dividends to net income (ytd only)* | 81.4664% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,810 |
| Loan loss allowance to noncurrent loans | 726.3158% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,934 |
| Noncurrent loans to loans | 0.1621% | 2,886 |
| Net loans and leases to total assets | 67.3929% | 1,535 |
| Net loans and leases to deposits | 77.0666% | 1,600 |
| Net loans and leases to core deposits | 78.4562% | 1,825 |
| Total domestic deposits to total assets | 87.4476% | 2,784 |
| Equity capital to assets | 8.3731% | 2,855 |
| Core capital (leverage) ratio | 10.0150% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1577% | 1,401 |
| Memoranda: | ||
| Average total assets | $424,019,000 | 1,962 |
| Average earning assets | $393,068,000 | 1,972 |
| Average equity | $39,618,667 | 2,016 |
| Average total loans | $277,216,333 | 1,817 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 694 |
| Cost of funding earning assets | 0.1532% | 3,462 |
| Net interest margin | 3.9001% | 502 |
| Noninterest income to average assets | 0.8957% | 845 |
| Noninterest expense to average assets | 2.8970% | 967 |
| Loan and lease loss provision to assets | 0.2261% | 308 |
| Net operating income to assets | 1.1028% | 1,524 |
| Return on assets (ROA) | 1.1028% | 1,513 |
| Pretax return on assets | 1.4001% | 1,257 |
| Return on Equity (ROE) | 11.2082% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.2082% | 742 |
| Net charge-offs to loans | 0.0223% | 1,100 |
| Credit loss provision to net charge-offs | 1,586.6667% | 249 |
| Earnings coverage of net charge-offs (x) | 114.1333% | 627 |
| Efficiency ratio | 64.0487% | 3,021 |
| Assets per employee ($millions) | 5.3299% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,725 |
| Loan loss allowance to noncurrent loans | 735.7759% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,046 |
| Noncurrent loans to loans | 0.1667% | 2,979 |
| Net loans and leases to total assets | 64.4597% | 1,564 |
| Net loans and leases to deposits | 71.6127% | 1,815 |
| Net loans and leases to core deposits | 72.7313% | 2,048 |
| Total domestic deposits to total assets | 90.0115% | 1,558 |
| Equity capital to assets | 9.3810% | 2,381 |
| Core capital (leverage) ratio | 10.4350% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2855% | 1,193 |
| Memoranda: | ||
| Average total assets | $421,126,000 | 1,981 |
| Average earning assets | $391,685,500 | 1,983 |
| Average equity | $41,434,000 | 1,995 |
| Average total loans | $269,270,500 | 1,842 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 1,083 |
| Cost of funding earning assets | 0.1784% | 3,680 |
| Net interest margin | 3.9718% | 748 |
| Noninterest income to average assets | 0.9621% | 1,070 |
| Noninterest expense to average assets | 3.2382% | 689 |
| Loan and lease loss provision to assets | 0.0694% | 1,688 |
| Net operating income to assets | 1.3524% | 1,431 |
| Return on assets (ROA) | 1.4519% | 1,204 |
| Pretax return on assets | 1.4519% | 1,874 |
| Return on Equity (ROE) | 13.5564% | 1,294 |
| Retained earnings to average equity (ytd only) | 1.2156% | 4,201 |
| Net charge-offs to loans | 0.0369% | 1,513 |
| Credit loss provision to net charge-offs | 321.8391% | 1,027 |
| Earnings coverage of net charge-offs (x) | 65.9080% | 1,119 |
| Efficiency ratio | 69.4886% | 1,793 |
| Assets per employee ($millions) | 5.6967% | 3,058 |
| Cash dividends to net income (ytd only)* | 91.0333% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,756 |
| Loan loss allowance to noncurrent loans | 443.1944% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,058 |
| Noncurrent loans to loans | 0.2766% | 2,613 |
| Net loans and leases to total assets | 61.8201% | 1,964 |
| Net loans and leases to deposits | 69.1488% | 2,210 |
| Net loans and leases to core deposits | 70.1931% | 2,425 |
| Total domestic deposits to total assets | 89.4015% | 1,297 |
| Equity capital to assets | 10.3083% | 2,362 |
| Core capital (leverage) ratio | 10.4924% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9282% | 1,055 |
| Memoranda: | ||
| Average total assets | $403,277,000 | 1,977 |
| Average earning assets | $375,471,400 | 1,987 |
| Average equity | $43,189,800 | 1,971 |
| Average total loans | $235,920,400 | 2,013 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 1,445 |
| Cost of funding earning assets | 0.1866% | 3,747 |
| Net interest margin | 3.8558% | 1,017 |
| Noninterest income to average assets | 0.9843% | 1,098 |
| Noninterest expense to average assets | 3.2405% | 665 |
| Loan and lease loss provision to assets | 0.0400% | 2,196 |
| Net operating income to assets | 1.2912% | 1,849 |
| Return on assets (ROA) | 1.4248% | 1,525 |
| Pretax return on assets | 1.4248% | 2,234 |
| Return on Equity (ROE) | 13.1758% | 1,644 |
| Retained earnings to average equity (ytd only) | -0.1695% | 4,578 |
| Net charge-offs to loans | 0.0325% | 1,414 |
| Credit loss provision to net charge-offs | 214.2857% | 1,167 |
| Earnings coverage of net charge-offs (x) | 71.3393% | 1,056 |
| Efficiency ratio | 70.8819% | 1,507 |
| Assets per employee ($millions) | 5.3682% | 3,328 |
| Cash dividends to net income (ytd only)* | 101.2862% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,832 |
| Loan loss allowance to noncurrent loans | 232.1456% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 1,893 |
| Noncurrent loans to loans | 0.5304% | 1,982 |
| Net loans and leases to total assets | 60.2018% | 2,229 |
| Net loans and leases to deposits | 67.9290% | 2,440 |
| Net loans and leases to core deposits | 69.0747% | 2,677 |
| Total domestic deposits to total assets | 88.6246% | 1,500 |
| Equity capital to assets | 10.5278% | 2,435 |
| Core capital (leverage) ratio | 10.2772% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6655% | 1,014 |
| Memoranda: | ||
| Average total assets | $400,131,250 | 2,006 |
| Average earning assets | $372,276,750 | 2,012 |
| Average equity | $43,270,250 | 1,995 |
| Average total loans | $229,831,500 | 2,090 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 1,661 |
| Cost of funding earning assets | 0.1961% | 3,793 |
| Net interest margin | 3.7611% | 1,203 |
| Noninterest income to average assets | 0.9298% | 1,196 |
| Noninterest expense to average assets | 3.2115% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2115% | 2,146 |
| Return on assets (ROA) | 1.2674% | 2,038 |
| Pretax return on assets | 1.2674% | 2,718 |
| Return on Equity (ROE) | 11.6146% | 2,194 |
| Retained earnings to average equity (ytd only) | 0.3550% | 4,456 |
| Net charge-offs to loans | 0.0617% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 34.8986% | 1,236 |
| Efficiency ratio | 72.6083% | 1,368 |
| Assets per employee ($millions) | 5.6418% | 2,972 |
| Cash dividends to net income (ytd only)* | 96.9432% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,940 |
| Loan loss allowance to noncurrent loans | 320.4595% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 2,472 |
| Noncurrent loans to loans | 0.3743% | 2,562 |
| Net loans and leases to total assets | 59.3878% | 2,497 |
| Net loans and leases to deposits | 67.7502% | 2,642 |
| Net loans and leases to core deposits | 68.9619% | 2,868 |
| Total domestic deposits to total assets | 87.6570% | 2,011 |
| Equity capital to assets | 10.5947% | 2,318 |
| Core capital (leverage) ratio | 10.4910% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1286% | 933 |
| Memoranda: | ||
| Average total assets | $397,513,000 | 2,012 |
| Average earning assets | $369,200,667 | 2,024 |
| Average equity | $43,376,333 | 1,978 |
| Average total loans | $223,549,667 | 2,130 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 1,935 |
| Cost of funding earning assets | 0.2116% | 3,810 |
| Net interest margin | 3.6482% | 1,453 |
| Noninterest income to average assets | 0.9421% | 1,233 |
| Noninterest expense to average assets | 3.2902% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0377% | 2,679 |
| Return on assets (ROA) | 1.0377% | 2,758 |
| Pretax return on assets | 1.0377% | 3,264 |
| Return on Equity (ROE) | 9.3694% | 2,902 |
| Retained earnings to average equity (ytd only) | -4.1519% | 4,667 |
| Net charge-offs to loans | -0.0188% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0226% | 1,136 |
| Assets per employee ($millions) | 5.3506% | 3,275 |
| Cash dividends to net income (ytd only)* | 144.3137% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,112 |
| Loan loss allowance to noncurrent loans | 309.4650% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 2,595 |
| Noncurrent loans to loans | 0.4420% | 2,532 |
| Net loans and leases to total assets | 54.0479% | 3,234 |
| Net loans and leases to deposits | 60.8672% | 3,422 |
| Net loans and leases to core deposits | 61.8378% | 3,585 |
| Total domestic deposits to total assets | 88.7965% | 1,441 |
| Equity capital to assets | 10.6353% | 2,141 |
| Core capital (leverage) ratio | 10.6790% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6234% | 720 |
| Memoranda: | ||
| Average total assets | $393,163,000 | 2,019 |
| Average earning assets | $364,892,500 | 2,024 |
| Average equity | $43,546,000 | 1,963 |
| Average total loans | $213,239,500 | 2,196 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,341 |
| Cost of funding earning assets | 0.3091% | 4,091 |
| Net interest margin | 4.1794% | 669 |
| Noninterest income to average assets | 0.9784% | 1,093 |
| Noninterest expense to average assets | 3.2625% | 949 |
| Loan and lease loss provision to assets | 0.3476% | 1,001 |
| Net operating income to assets | 1.2719% | 1,327 |
| Return on assets (ROA) | 1.3630% | 1,190 |
| Pretax return on assets | 1.3630% | 1,778 |
| Return on Equity (ROE) | 12.2293% | 1,257 |
| Retained earnings to average equity (ytd only) | 6.9595% | 1,412 |
| Net charge-offs to loans | 0.3741% | 459 |
| Credit loss provision to net charge-offs | 159.9265% | 2,370 |
| Earnings coverage of net charge-offs (x) | 7.4510% | 2,695 |
| Efficiency ratio | 66.8267% | 2,383 |
| Assets per employee ($millions) | 5.1338% | 3,252 |
| Cash dividends to net income (ytd only)* | 43.0917% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,772 |
| Loan loss allowance to noncurrent loans | 257.7816% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 2,467 |
| Noncurrent loans to loans | 0.5630% | 2,293 |
| Net loans and leases to total assets | 52.8740% | 3,586 |
| Net loans and leases to deposits | 60.0567% | 3,759 |
| Net loans and leases to core deposits | 61.4645% | 3,860 |
| Total domestic deposits to total assets | 88.0402% | 1,453 |
| Equity capital to assets | 11.5349% | 1,857 |
| Core capital (leverage) ratio | 10.7658% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7568% | 606 |
| Memoranda: | ||
| Average total assets | $375,416,800 | 1,939 |
| Average earning assets | $350,648,200 | 1,935 |
| Average equity | $41,842,200 | 1,950 |
| Average total loans | $218,118,200 | 2,115 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 1,218 |
| Cost of funding earning assets | 0.3284% | 4,168 |
| Net interest margin | 4.3079% | 575 |
| Noninterest income to average assets | 0.9683% | 1,085 |
| Noninterest expense to average assets | 3.3678% | 829 |
| Loan and lease loss provision to assets | 0.4665% | 669 |
| Net operating income to assets | 1.1660% | 1,762 |
| Return on assets (ROA) | 1.2882% | 1,487 |
| Pretax return on assets | 1.2882% | 2,104 |
| Return on Equity (ROE) | 11.6633% | 1,461 |
| Retained earnings to average equity (ytd only) | 4.5274% | 2,785 |
| Net charge-offs to loans | 0.4519% | 340 |
| Credit loss provision to net charge-offs | 174.2323% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.0975% | 2,675 |
| Efficiency ratio | 67.3529% | 2,275 |
| Assets per employee ($millions) | 5.5110% | 2,698 |
| Cash dividends to net income (ytd only)* | 61.1820% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,986 |
| Loan loss allowance to noncurrent loans | 317.2878% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 2,855 |
| Noncurrent loans to loans | 0.4235% | 2,788 |
| Net loans and leases to total assets | 57.5177% | 3,466 |
| Net loans and leases to deposits | 65.3118% | 3,672 |
| Net loans and leases to core deposits | 67.5842% | 3,785 |
| Total domestic deposits to total assets | 88.0664% | 1,194 |
| Equity capital to assets | 11.0736% | 2,345 |
| Core capital (leverage) ratio | 10.4084% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3964% | 740 |
| Memoranda: | ||
| Average total assets | $373,013,000 | 1,930 |
| Average earning assets | $349,118,750 | 1,926 |
| Average equity | $41,199,500 | 1,962 |
| Average total loans | $221,002,750 | 2,098 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 1,047 |
| Cost of funding earning assets | 0.3578% | 4,236 |
| Net interest margin | 4.4967% | 507 |
| Noninterest income to average assets | 0.9610% | 1,051 |
| Noninterest expense to average assets | 3.4307% | 816 |
| Loan and lease loss provision to assets | 0.6726% | 424 |
| Net operating income to assets | 1.0711% | 2,069 |
| Return on assets (ROA) | 1.2575% | 1,591 |
| Pretax return on assets | 1.2575% | 2,160 |
| Return on Equity (ROE) | 11.3955% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.4774% | 3,190 |
| Net charge-offs to loans | 0.3760% | 422 |
| Credit loss provision to net charge-offs | 300.2433% | 1,618 |
| Earnings coverage of net charge-offs (x) | 7.7835% | 2,340 |
| Efficiency ratio | 66.3015% | 2,471 |
| Assets per employee ($millions) | 5.4885% | 2,649 |
| Cash dividends to net income (ytd only)* | 69.4842% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,405 |
| Loan loss allowance to noncurrent loans | 182.7756% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,479 |
| Noncurrent loans to loans | 0.7935% | 1,907 |
| Net loans and leases to total assets | 57.2928% | 3,581 |
| Net loans and leases to deposits | 64.7887% | 3,822 |
| Net loans and leases to core deposits | 66.9840% | 3,923 |
| Total domestic deposits to total assets | 88.4303% | 974 |
| Equity capital to assets | 10.6805% | 2,593 |
| Core capital (leverage) ratio | 10.4901% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2551% | 741 |
| Memoranda: | ||
| Average total assets | $366,923,667 | 1,930 |
| Average earning assets | $343,807,667 | 1,924 |
| Average equity | $40,489,667 | 1,975 |
| Average total loans | $218,630,000 | 2,095 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 1,693 |
| Cost of funding earning assets | 0.4181% | 4,298 |
| Net interest margin | 4.2872% | 778 |
| Noninterest income to average assets | 1.0884% | 718 |
| Noninterest expense to average assets | 3.6576% | 742 |
| Loan and lease loss provision to assets | 0.4637% | 643 |
| Net operating income to assets | 0.9785% | 2,252 |
| Return on assets (ROA) | 1.1338% | 1,846 |
| Pretax return on assets | 1.1338% | 2,414 |
| Return on Equity (ROE) | 10.0930% | 1,717 |
| Retained earnings to average equity (ytd only) | -3.2600% | 4,378 |
| Net charge-offs to loans | 0.4074% | 359 |
| Credit loss provision to net charge-offs | 188.4793% | 1,451 |
| Earnings coverage of net charge-offs (x) | 5.8618% | 2,020 |
| Efficiency ratio | 71.7208% | 2,121 |
| Assets per employee ($millions) | 4.5397% | 3,210 |
| Cash dividends to net income (ytd only)* | 132.3000% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,319 |
| Loan loss allowance to noncurrent loans | 129.9182% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 2,243 |
| Noncurrent loans to loans | 0.9723% | 1,691 |
| Net loans and leases to total assets | 59.6249% | 3,537 |
| Net loans and leases to deposits | 67.7139% | 3,744 |
| Net loans and leases to core deposits | 70.5333% | 3,848 |
| Total domestic deposits to total assets | 88.0541% | 1,084 |
| Equity capital to assets | 11.1314% | 2,747 |
| Core capital (leverage) ratio | 11.0573% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4867% | 924 |
| Memoranda: | ||
| Average total assets | $352,800,500 | 1,948 |
| Average earning assets | $330,099,000 | 1,935 |
| Average equity | $39,631,500 | 1,996 |
| Average total loans | $213,077,000 | 2,100 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 1,722 |
| Cost of funding earning assets | 0.4131% | 4,402 |
| Net interest margin | 4.4984% | 717 |
| Noninterest income to average assets | 1.4435% | 450 |
| Noninterest expense to average assets | 3.7719% | 698 |
| Loan and lease loss provision to assets | 0.3585% | 417 |
| Net operating income to assets | 1.5580% | 923 |
| Return on assets (ROA) | 1.5590% | 977 |
| Pretax return on assets | 1.5590% | 1,620 |
| Return on Equity (ROE) | 12.7653% | 1,253 |
| Retained earnings to average equity (ytd only) | -0.1242% | 4,718 |
| Net charge-offs to loans | 0.4370% | 438 |
| Credit loss provision to net charge-offs | 131.4415% | 1,940 |
| Earnings coverage of net charge-offs (x) | 7.0261% | 2,910 |
| Efficiency ratio | 66.3074% | 2,725 |
| Assets per employee ($millions) | 4.6867% | 2,963 |
| Cash dividends to net income (ytd only)* | 100.9732% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,540 |
| Loan loss allowance to noncurrent loans | 136.5071% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 2,327 |
| Noncurrent loans to loans | 0.8657% | 1,779 |
| Net loans and leases to total assets | 59.6904% | 3,616 |
| Net loans and leases to deposits | 67.8566% | 3,829 |
| Net loans and leases to core deposits | 70.2916% | 3,947 |
| Total domestic deposits to total assets | 87.9654% | 1,138 |
| Equity capital to assets | 11.3361% | 2,671 |
| Core capital (leverage) ratio | 11.4270% | 2,167 |
| Tier 1 risk-based capital ratio | 18.7293% | 1,581 |
| Total risk-based capital ratio | 19.9283% | 1,559 |
| Memoranda: | ||
| Average total assets | $322,969,800 | 2,017 |
| Average earning assets | $304,775,800 | 1,995 |
| Average equity | $39,442,800 | 1,960 |
| Average total loans | $201,593,200 | 2,157 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 1,610 |
| Cost of funding earning assets | 0.4036% | 4,492 |
| Net interest margin | 4.5719% | 655 |
| Noninterest income to average assets | 1.5446% | 381 |
| Noninterest expense to average assets | 3.9256% | 575 |
| Loan and lease loss provision to assets | 0.4150% | 318 |
| Net operating income to assets | 1.5218% | 1,129 |
| Return on assets (ROA) | 1.5231% | 1,184 |
| Pretax return on assets | 1.5231% | 1,892 |
| Return on Equity (ROE) | 12.2276% | 1,540 |
| Retained earnings to average equity (ytd only) | -0.3525% | 4,795 |
| Net charge-offs to loans | 0.4746% | 358 |
| Credit loss provision to net charge-offs | 138.8418% | 1,734 |
| Earnings coverage of net charge-offs (x) | 6.4802% | 2,834 |
| Efficiency ratio | 66.9619% | 2,596 |
| Assets per employee ($millions) | 4.3140% | 3,465 |
| Cash dividends to net income (ytd only)* | 102.8824% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,403 |
| Loan loss allowance to noncurrent loans | 205.4918% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 2,701 |
| Noncurrent loans to loans | 0.5938% | 2,505 |
| Net loans and leases to total assets | 62.7298% | 3,416 |
| Net loans and leases to deposits | 72.5024% | 3,589 |
| Net loans and leases to core deposits | 75.5952% | 3,722 |
| Total domestic deposits to total assets | 86.5209% | 1,761 |
| Equity capital to assets | 12.3145% | 2,031 |
| Core capital (leverage) ratio | 12.2146% | 1,722 |
| Tier 1 risk-based capital ratio | 19.7464% | 1,413 |
| Total risk-based capital ratio | 20.9967% | 1,375 |
| Memoranda: | ||
| Average total assets | $315,836,250 | 2,074 |
| Average earning assets | $298,279,250 | 2,047 |
| Average equity | $39,341,750 | 1,971 |
| Average total loans | $198,910,750 | 2,191 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 1,619 |
| Cost of funding earning assets | 0.3988% | 4,514 |
| Net interest margin | 4.5485% | 687 |
| Noninterest income to average assets | 1.6484% | 344 |
| Noninterest expense to average assets | 3.9954% | 541 |
| Loan and lease loss provision to assets | 0.5159% | 223 |
| Net operating income to assets | 1.4410% | 1,321 |
| Return on assets (ROA) | 1.4410% | 1,367 |
| Pretax return on assets | 1.4410% | 2,061 |
| Return on Equity (ROE) | 11.5229% | 1,772 |
| Retained earnings to average equity (ytd only) | 0.0970% | 4,661 |
| Net charge-offs to loans | 0.7208% | 204 |
| Credit loss provision to net charge-offs | 113.9633% | 1,812 |
| Earnings coverage of net charge-offs (x) | 4.3230% | 2,747 |
| Efficiency ratio | 67.1243% | 2,667 |
| Assets per employee ($millions) | 4.2322% | 3,523 |
| Cash dividends to net income (ytd only)* | 99.1582% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 2,793 |
| Loan loss allowance to noncurrent loans | 353.1818% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,375 |
| Noncurrent loans to loans | 0.3254% | 3,368 |
| Net loans and leases to total assets | 62.3344% | 3,505 |
| Net loans and leases to deposits | 72.1990% | 3,669 |
| Net loans and leases to core deposits | 74.5321% | 3,858 |
| Total domestic deposits to total assets | 86.3370% | 1,874 |
| Equity capital to assets | 12.4135% | 1,905 |
| Core capital (leverage) ratio | 12.4864% | 1,543 |
| Tier 1 risk-based capital ratio | 20.1424% | 1,326 |
| Total risk-based capital ratio | 21.3383% | 1,304 |
| Memoranda: | ||
| Average total assets | $313,264,000 | 2,097 |
| Average earning assets | $296,406,670 | 2,060 |
| Average equity | $39,174,330 | 1,971 |
| Average total loans | $196,724,000 | 2,213 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 1,715 |
| Cost of funding earning assets | 0.3922% | 4,516 |
| Net interest margin | 4.4723% | 781 |
| Noninterest income to average assets | 1.5052% | 388 |
| Noninterest expense to average assets | 4.1091% | 455 |
| Loan and lease loss provision to assets | 0.3339% | 366 |
| Net operating income to assets | 1.2981% | 1,700 |
| Return on assets (ROA) | 1.2981% | 1,741 |
| Pretax return on assets | 1.2981% | 2,461 |
| Return on Equity (ROE) | 10.3409% | 2,223 |
| Retained earnings to average equity (ytd only) | -0.1753% | 4,556 |
| Net charge-offs to loans | 0.5019% | 301 |
| Credit loss provision to net charge-offs | 106.1728% | 1,526 |
| Earnings coverage of net charge-offs (x) | 5.1893% | 2,272 |
| Efficiency ratio | 71.5735% | 2,102 |
| Assets per employee ($millions) | 4.2600% | 3,531 |
| Cash dividends to net income (ytd only)* | 101.6949% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,913 |
| Loan loss allowance to noncurrent loans | 268.4588% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 3,143 |
| Noncurrent loans to loans | 0.4242% | 3,069 |
| Net loans and leases to total assets | 62.7316% | 3,430 |
| Net loans and leases to deposits | 72.6381% | 3,558 |
| Net loans and leases to core deposits | 74.8671% | 3,745 |
| Total domestic deposits to total assets | 86.3618% | 2,121 |
| Equity capital to assets | 12.5410% | 1,714 |
| Core capital (leverage) ratio | 12.7723% | 1,370 |
| Tier 1 risk-based capital ratio | 20.6705% | 1,217 |
| Total risk-based capital ratio | 21.8547% | 1,204 |
| Memoranda: | ||
| Average total assets | $309,071,500 | 2,130 |
| Average earning assets | $292,735,500 | 2,094 |
| Average equity | $38,797,500 | 1,977 |
| Average total loans | $193,671,500 | 2,260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 2,509 |
| Cost of funding earning assets | 0.3161% | 4,492 |
| Net interest margin | 4.1675% | 1,481 |
| Noninterest income to average assets | 1.1600% | 687 |
| Noninterest expense to average assets | 3.5734% | 904 |
| Loan and lease loss provision to assets | 0.2093% | 894 |
| Net operating income to assets | 1.3391% | 1,658 |
| Return on assets (ROA) | 1.3391% | 1,644 |
| Pretax return on assets | 1.3391% | 2,370 |
| Return on Equity (ROE) | 10.9459% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.2304% | 3,224 |
| Net charge-offs to loans | 0.3415% | 556 |
| Credit loss provision to net charge-offs | 100.9317% | 2,494 |
| Earnings coverage of net charge-offs (x) | 7.4658% | 2,990 |
| Efficiency ratio | 69.7686% | 2,229 |
| Assets per employee ($millions) | 4.1509% | 3,688 |
| Cash dividends to net income (ytd only)* | 61.3516% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,696 |
| Loan loss allowance to noncurrent loans | 302.4390% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,201 |
| Noncurrent loans to loans | 0.3884% | 3,142 |
| Net loans and leases to total assets | 61.1341% | 3,654 |
| Net loans and leases to deposits | 70.7549% | 3,766 |
| Net loans and leases to core deposits | 72.7992% | 3,932 |
| Total domestic deposits to total assets | 86.4027% | 2,054 |
| Equity capital to assets | 12.5649% | 1,550 |
| Core capital (leverage) ratio | 12.6012% | 1,410 |
| Tier 1 risk-based capital ratio | 20.8796% | 1,166 |
| Total risk-based capital ratio | 22.0673% | 1,159 |
| Memoranda: | ||
| Average total assets | $310,515,600 | 2,088 |
| Average earning assets | $295,188,200 | 2,048 |
| Average equity | $37,986,800 | 1,941 |
| Average total loans | $188,596,800 | 2,259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,880 |
| Cost of funding earning assets | 0.2929% | 4,571 |
| Net interest margin | 4.0289% | 1,858 |
| Noninterest income to average assets | 1.1532% | 705 |
| Noninterest expense to average assets | 3.5312% | 943 |
| Loan and lease loss provision to assets | 0.1499% | 1,313 |
| Net operating income to assets | 1.3074% | 1,826 |
| Return on assets (ROA) | 1.3074% | 1,830 |
| Pretax return on assets | 1.3074% | 2,597 |
| Return on Equity (ROE) | 10.7588% | 2,285 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,942 |
| Net charge-offs to loans | 0.1572% | 1,053 |
| Credit loss provision to net charge-offs | 157.6577% | 1,643 |
| Earnings coverage of net charge-offs (x) | 15.3290% | 2,234 |
| Efficiency ratio | 70.7872% | 2,076 |
| Assets per employee ($millions) | 4.1084% | 3,715 |
| Cash dividends to net income (ytd only)* | 48.6734% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,226 |
| Loan loss allowance to noncurrent loans | 418.1172% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,555 |
| Noncurrent loans to loans | 0.3048% | 3,581 |
| Net loans and leases to total assets | 59.9724% | 3,846 |
| Net loans and leases to deposits | 69.7105% | 3,939 |
| Net loans and leases to core deposits | 72.0288% | 4,083 |
| Total domestic deposits to total assets | 86.0307% | 2,176 |
| Equity capital to assets | 12.5829% | 1,532 |
| Core capital (leverage) ratio | 12.6627% | 1,433 |
| Tier 1 risk-based capital ratio | 21.0643% | 1,176 |
| Total risk-based capital ratio | 22.3146% | 1,154 |
| Memoranda: | ||
| Average total assets | $311,353,500 | 2,098 |
| Average earning assets | $296,386,000 | 2,048 |
| Average equity | $37,834,750 | 1,951 |
| Average total loans | $188,242,500 | 2,269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,955 |
| Cost of funding earning assets | 0.2683% | 4,645 |
| Net interest margin | 3.9791% | 1,929 |
| Noninterest income to average assets | 1.1721% | 697 |
| Noninterest expense to average assets | 3.4666% | 1,041 |
| Loan and lease loss provision to assets | 0.1912% | 909 |
| Net operating income to assets | 1.3047% | 1,755 |
| Return on assets (ROA) | 1.3047% | 1,750 |
| Pretax return on assets | 1.3047% | 2,488 |
| Return on Equity (ROE) | 10.8610% | 2,174 |
| Retained earnings to average equity (ytd only) | 5.6613% | 2,743 |
| Net charge-offs to loans | 0.1130% | 1,249 |
| Credit loss provision to net charge-offs | 280.3738% | 1,059 |
| Earnings coverage of net charge-offs (x) | 21.9346% | 1,759 |
| Efficiency ratio | 69.8562% | 2,340 |
| Assets per employee ($millions) | 4.0249% | 3,853 |
| Cash dividends to net income (ytd only)* | 47.8749% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,241 |
| Loan loss allowance to noncurrent loans | 244.0969% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,502 |
| Noncurrent loans to loans | 0.5264% | 2,841 |
| Net loans and leases to total assets | 59.1975% | 3,884 |
| Net loans and leases to deposits | 68.8894% | 3,954 |
| Net loans and leases to core deposits | 71.4637% | 4,044 |
| Total domestic deposits to total assets | 85.9312% | 2,314 |
| Equity capital to assets | 12.1034% | 1,783 |
| Core capital (leverage) ratio | 12.2965% | 1,543 |
| Tier 1 risk-based capital ratio | 21.1513% | 1,148 |
| Total risk-based capital ratio | 22.4023% | 1,123 |
| Memoranda: | ||
| Average total assets | $313,797,000 | 2,103 |
| Average earning assets | $298,909,670 | 2,053 |
| Average equity | $37,694,670 | 1,956 |
| Average total loans | $189,428,670 | 2,269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,292 |
| Cost of funding earning assets | 0.2584% | 4,657 |
| Net interest margin | 3.8234% | 2,325 |
| Noninterest income to average assets | 1.1692% | 673 |
| Noninterest expense to average assets | 3.3839% | 1,185 |
| Loan and lease loss provision to assets | 0.1913% | 879 |
| Net operating income to assets | 1.2355% | 1,867 |
| Return on assets (ROA) | 1.2355% | 1,876 |
| Pretax return on assets | 1.2355% | 2,618 |
| Return on Equity (ROE) | 10.3242% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.9756% | 3,187 |
| Net charge-offs to loans | 0.1495% | 933 |
| Credit loss provision to net charge-offs | 211.2676% | 1,013 |
| Earnings coverage of net charge-offs (x) | 15.7606% | 1,653 |
| Efficiency ratio | 70.3419% | 2,432 |
| Assets per employee ($millions) | 4.0927% | 3,815 |
| Cash dividends to net income (ytd only)* | 51.8060% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,716 |
| Loan loss allowance to noncurrent loans | 488.3475% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,289 |
| Noncurrent loans to loans | 0.2490% | 3,866 |
| Net loans and leases to total assets | 60.2103% | 3,736 |
| Net loans and leases to deposits | 69.9347% | 3,789 |
| Net loans and leases to core deposits | 72.8762% | 3,892 |
| Total domestic deposits to total assets | 86.0949% | 2,510 |
| Equity capital to assets | 12.0600% | 1,739 |
| Core capital (leverage) ratio | 12.2255% | 1,509 |
| Tier 1 risk-based capital ratio | 20.9100% | 1,214 |
| Total risk-based capital ratio | 22.1602% | 1,188 |
| Memoranda: | ||
| Average total assets | $313,723,500 | 2,122 |
| Average earning assets | $298,794,500 | 2,070 |
| Average equity | $37,543,000 | 1,975 |
| Average total loans | $190,010,000 | 2,273 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,560 |
| Cost of funding earning assets | 0.2620% | 4,463 |
| Net interest margin | 3.6910% | 2,827 |
| Noninterest income to average assets | 1.1233% | 806 |
| Noninterest expense to average assets | 3.2389% | 1,532 |
| Loan and lease loss provision to assets | 0.2131% | 936 |
| Net operating income to assets | 1.1855% | 1,562 |
| Return on assets (ROA) | 1.1699% | 1,640 |
| Pretax return on assets | 1.1699% | 2,893 |
| Return on Equity (ROE) | 9.6118% | 2,049 |
| Retained earnings to average equity (ytd only) | 5.1167% | 2,055 |
| Net charge-offs to loans | 0.2041% | 1,266 |
| Credit loss provision to net charge-offs | 171.0875% | 1,581 |
| Earnings coverage of net charge-offs (x) | 11.2281% | 2,592 |
| Efficiency ratio | 69.8418% | 2,583 |
| Assets per employee ($millions) | 4.1632% | 3,712 |
| Cash dividends to net income (ytd only)* | 46.7665% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,960 |
| Loan loss allowance to noncurrent loans | 824.4444% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,659 |
| Noncurrent loans to loans | 0.1418% | 4,355 |
| Net loans and leases to total assets | 59.4838% | 3,881 |
| Net loans and leases to deposits | 68.8955% | 3,953 |
| Net loans and leases to core deposits | 71.8678% | 4,056 |
| Total domestic deposits to total assets | 86.3392% | 2,300 |
| Equity capital to assets | 11.8754% | 1,926 |
| Core capital (leverage) ratio | 12.0241% | 1,591 |
| Tier 1 risk-based capital ratio | 20.6438% | 1,206 |
| Total risk-based capital ratio | 21.8648% | 1,183 |
| Memoranda: | ||
| Average total assets | $302,668,000 | 2,151 |
| Average earning assets | $288,156,600 | 2,108 |
| Average equity | $36,840,000 | 1,990 |
| Average total loans | $184,715,400 | 2,280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 3,656 |
| Cost of funding earning assets | 0.2620% | 4,466 |
| Net interest margin | 3.6478% | 2,961 |
| Noninterest income to average assets | 1.1358% | 784 |
| Noninterest expense to average assets | 3.1854% | 1,591 |
| Loan and lease loss provision to assets | 0.2584% | 657 |
| Net operating income to assets | 1.1656% | 1,819 |
| Return on assets (ROA) | 1.1447% | 1,947 |
| Pretax return on assets | 1.1447% | 3,135 |
| Return on Equity (ROE) | 9.3442% | 2,419 |
| Retained earnings to average equity (ytd only) | 4.7648% | 3,040 |
| Net charge-offs to loans | 0.2735% | 788 |
| Credit loss provision to net charge-offs | 154.2553% | 1,654 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,775 |
| Efficiency ratio | 69.1058% | 2,690 |
| Assets per employee ($millions) | 4.0932% | 3,836 |
| Cash dividends to net income (ytd only)* | 49.0072% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,288 |
| Loan loss allowance to noncurrent loans | 404.1121% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 4,405 |
| Noncurrent loans to loans | 0.2806% | 3,944 |
| Net loans and leases to total assets | 61.4131% | 3,730 |
| Net loans and leases to deposits | 72.2904% | 3,736 |
| Net loans and leases to core deposits | 75.8173% | 3,813 |
| Total domestic deposits to total assets | 84.9534% | 2,732 |
| Equity capital to assets | 12.2361% | 1,816 |
| Core capital (leverage) ratio | 12.6573% | 1,351 |
| Tier 1 risk-based capital ratio | 20.5122% | 1,278 |
| Total risk-based capital ratio | 21.7089% | 1,255 |
| Memoranda: | ||
| Average total assets | $299,234,500 | 2,189 |
| Average earning assets | $284,947,250 | 2,138 |
| Average equity | $36,656,500 | 2,002 |
| Average total loans | $183,285,750 | 2,307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 3,645 |
| Cost of funding earning assets | 0.2668% | 4,401 |
| Net interest margin | 3.6070% | 3,010 |
| Noninterest income to average assets | 1.1434% | 765 |
| Noninterest expense to average assets | 3.0811% | 1,883 |
| Loan and lease loss provision to assets | 0.2360% | 723 |
| Net operating income to assets | 1.2628% | 1,395 |
| Return on assets (ROA) | 1.1765% | 1,716 |
| Pretax return on assets | 1.1765% | 2,869 |
| Return on Equity (ROE) | 9.6000% | 2,216 |
| Retained earnings to average equity (ytd only) | 5.1989% | 2,580 |
| Net charge-offs to loans | 0.2865% | 708 |
| Credit loss provision to net charge-offs | 135.1351% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.5830% | 2,496 |
| Efficiency ratio | 67.2751% | 3,138 |
| Assets per employee ($millions) | 4.2027% | 3,612 |
| Cash dividends to net income (ytd only)* | 45.8453% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,549 |
| Loan loss allowance to noncurrent loans | 626.6055% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,755 |
| Noncurrent loans to loans | 0.1767% | 4,413 |
| Net loans and leases to total assets | 62.2221% | 3,608 |
| Net loans and leases to deposits | 74.3870% | 3,504 |
| Net loans and leases to core deposits | 78.2579% | 3,571 |
| Total domestic deposits to total assets | 83.6465% | 3,341 |
| Equity capital to assets | 12.7017% | 1,522 |
| Core capital (leverage) ratio | 12.6666% | 1,309 |
| Tier 1 risk-based capital ratio | 20.8267% | 1,221 |
| Total risk-based capital ratio | 21.9897% | 1,209 |
| Memoranda: | ||
| Average total assets | $296,648,330 | 2,209 |
| Average earning assets | $282,618,670 | 2,161 |
| Average equity | $36,354,000 | 2,013 |
| Average total loans | $180,815,670 | 2,333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 3,721 |
| Cost of funding earning assets | 0.2703% | 4,354 |
| Net interest margin | 3.5421% | 3,110 |
| Noninterest income to average assets | 1.1159% | 801 |
| Noninterest expense to average assets | 2.9677% | 2,254 |
| Loan and lease loss provision to assets | 0.2014% | 817 |
| Net operating income to assets | 1.3254% | 1,177 |
| Return on assets (ROA) | 1.1535% | 1,687 |
| Pretax return on assets | 1.1535% | 2,764 |
| Return on Equity (ROE) | 9.5850% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.8135% | 2,435 |
| Net charge-offs to loans | 0.1500% | 1,061 |
| Credit loss provision to net charge-offs | 223.8806% | 943 |
| Earnings coverage of net charge-offs (x) | 16.9701% | 1,618 |
| Efficiency ratio | 66.0293% | 3,493 |
| Assets per employee ($millions) | 4.5290% | 3,117 |
| Cash dividends to net income (ytd only)* | 39.3481% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,545 |
| Loan loss allowance to noncurrent loans | 12,756.2500% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,350 |
| Noncurrent loans to loans | 0.0088% | 5,216 |
| Net loans and leases to total assets | 60.9313% | 3,678 |
| Net loans and leases to deposits | 72.4759% | 3,563 |
| Net loans and leases to core deposits | 76.9616% | 3,565 |
| Total domestic deposits to total assets | 84.0711% | 3,449 |
| Equity capital to assets | 12.3828% | 1,612 |
| Core capital (leverage) ratio | 12.2564% | 1,468 |
| Tier 1 risk-based capital ratio | 21.3526% | 1,165 |
| Total risk-based capital ratio | 22.5542% | 1,155 |
| Memoranda: | ||
| Average total assets | $297,878,500 | 2,221 |
| Average earning assets | $284,122,500 | 2,170 |
| Average equity | $35,847,500 | 2,042 |
| Average total loans | $178,674,000 | 2,374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 5,066 |
| Cost of funding earning assets | 0.3333% | 3,714 |
| Net interest margin | 3.0218% | 4,915 |
| Noninterest income to average assets | 0.9330% | 1,311 |
| Noninterest expense to average assets | 2.8546% | 2,831 |
| Loan and lease loss provision to assets | 0.4046% | 382 |
| Net operating income to assets | 0.5430% | 4,462 |
| Return on assets (ROA) | 0.5560% | 4,514 |
| Pretax return on assets | 0.5560% | 4,906 |
| Return on Equity (ROE) | 4.6573% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.2876% | 4,770 |
| Net charge-offs to loans | 0.3360% | 818 |
| Credit loss provision to net charge-offs | 223.5294% | 1,282 |
| Earnings coverage of net charge-offs (x) | 5.2353% | 3,367 |
| Efficiency ratio | 75.0766% | 2,131 |
| Assets per employee ($millions) | 4.8609% | 2,557 |
| Cash dividends to net income (ytd only)* | 72.3519% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,635 |
| Loan loss allowance to noncurrent loans | 21,755.5556% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,431 |
| Noncurrent loans to loans | 0.0051% | 5,294 |
| Net loans and leases to total assets | 57.7281% | 4,093 |
| Net loans and leases to deposits | 67.9308% | 4,085 |
| Net loans and leases to core deposits | 72.8275% | 4,026 |
| Total domestic deposits to total assets | 84.9807% | 3,055 |
| Equity capital to assets | 11.6938% | 2,012 |
| Core capital (leverage) ratio | 12.0188% | 1,586 |
| Tier 1 risk-based capital ratio | 21.2968% | 1,161 |
| Total risk-based capital ratio | 22.4632% | 1,161 |
| Memoranda: | ||
| Average total assets | $300,537,600 | 2,160 |
| Average earning assets | $285,358,400 | 2,127 |
| Average equity | $35,879,400 | 2,031 |
| Average total loans | $161,926,800 | 2,498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 5,097 |
| Cost of funding earning assets | 0.3436% | 3,617 |
| Net interest margin | 3.0210% | 4,973 |
| Noninterest income to average assets | 0.9190% | 1,349 |
| Noninterest expense to average assets | 2.7702% | 3,115 |
| Loan and lease loss provision to assets | 0.4724% | 273 |
| Net operating income to assets | 0.5452% | 4,509 |
| Return on assets (ROA) | 0.5625% | 4,551 |
| Pretax return on assets | 0.5625% | 4,969 |
| Return on Equity (ROE) | 4.6874% | 4,650 |
| Retained earnings to average equity (ytd only) | 0.8435% | 5,131 |
| Net charge-offs to loans | 0.4073% | 527 |
| Credit loss provision to net charge-offs | 219.8347% | 1,340 |
| Earnings coverage of net charge-offs (x) | 4.7355% | 3,231 |
| Efficiency ratio | 73.1364% | 2,416 |
| Assets per employee ($millions) | 4.8171% | 2,589 |
| Cash dividends to net income (ytd only)* | 82.0049% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,746 |
| Loan loss allowance to noncurrent loans | 4,146.6667% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,458 |
| Noncurrent loans to loans | 0.0270% | 5,275 |
| Net loans and leases to total assets | 56.1873% | 4,292 |
| Net loans and leases to deposits | 66.6839% | 4,280 |
| Net loans and leases to core deposits | 71.2178% | 4,232 |
| Total domestic deposits to total assets | 84.2592% | 3,119 |
| Equity capital to assets | 12.3651% | 1,860 |
| Core capital (leverage) ratio | 12.0876% | 1,615 |
| Tier 1 risk-based capital ratio | 22.3248% | 1,088 |
| Total risk-based capital ratio | 23.4977% | 1,085 |
| Memoranda: | ||
| Average total assets | $300,328,750 | 2,176 |
| Average earning assets | $285,201,000 | 2,135 |
| Average equity | $36,038,750 | 2,033 |
| Average total loans | $158,424,750 | 2,541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 5,124 |
| Cost of funding earning assets | 0.3502% | 3,564 |
| Net interest margin | 3.0304% | 5,016 |
| Noninterest income to average assets | 0.8853% | 1,416 |
| Noninterest expense to average assets | 2.6705% | 3,484 |
| Loan and lease loss provision to assets | 0.4423% | 324 |
| Net operating income to assets | 0.6506% | 4,038 |
| Return on assets (ROA) | 0.6698% | 4,098 |
| Pretax return on assets | 0.6698% | 4,712 |
| Return on Equity (ROE) | 5.6371% | 4,232 |
| Retained earnings to average equity (ytd only) | 1.0239% | 4,980 |
| Net charge-offs to loans | 0.2558% | 932 |
| Credit loss provision to net charge-offs | 336.1809% | 880 |
| Earnings coverage of net charge-offs (x) | 8.3065% | 2,528 |
| Efficiency ratio | 70.9592% | 2,831 |
| Assets per employee ($millions) | 4.6768% | 2,754 |
| Cash dividends to net income (ytd only)* | 81.8361% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,116 |
| Loan loss allowance to noncurrent loans | 3,902.2222% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,548 |
| Noncurrent loans to loans | 0.0274% | 5,359 |
| Net loans and leases to total assets | 54.3281% | 4,475 |
| Net loans and leases to deposits | 64.9722% | 4,425 |
| Net loans and leases to core deposits | 69.7503% | 4,341 |
| Total domestic deposits to total assets | 83.6175% | 3,413 |
| Equity capital to assets | 12.0827% | 2,071 |
| Core capital (leverage) ratio | 11.8274% | 1,744 |
| Tier 1 risk-based capital ratio | 22.5710% | 1,069 |
| Total risk-based capital ratio | 23.6884% | 1,070 |
| Memoranda: | ||
| Average total assets | $302,491,000 | 2,168 |
| Average earning assets | $287,287,670 | 2,128 |
| Average equity | $35,940,330 | 2,039 |
| Average total loans | $155,577,000 | 2,582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 5,408 |
| Cost of funding earning assets | 0.3629% | 3,472 |
| Net interest margin | 2.8905% | 5,338 |
| Noninterest income to average assets | 0.8498% | 1,441 |
| Noninterest expense to average assets | 2.4783% | 4,137 |
| Loan and lease loss provision to assets | 0.1842% | 1,084 |
| Net operating income to assets | 0.9326% | 2,594 |
| Return on assets (ROA) | 0.9300% | 2,709 |
| Pretax return on assets | 0.9300% | 3,729 |
| Return on Equity (ROE) | 7.8933% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.7241% | 4,148 |
| Net charge-offs to loans | 0.2434% | 845 |
| Credit loss provision to net charge-offs | 152.1739% | 1,262 |
| Earnings coverage of net charge-offs (x) | 9.2283% | 2,002 |
| Efficiency ratio | 68.9352% | 3,307 |
| Assets per employee ($millions) | 4.1887% | 3,602 |
| Cash dividends to net income (ytd only)* | 65.4880% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,130 |
| Loan loss allowance to noncurrent loans | 771.0983% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,380 |
| Noncurrent loans to loans | 0.1138% | 5,020 |
| Net loans and leases to total assets | 49.9784% | 4,805 |
| Net loans and leases to deposits | 59.7109% | 4,734 |
| Net loans and leases to core deposits | 63.6301% | 4,716 |
| Total domestic deposits to total assets | 83.7007% | 3,635 |
| Equity capital to assets | 12.0514% | 1,991 |
| Core capital (leverage) ratio | 11.6872% | 1,835 |
| Tier 1 risk-based capital ratio | 24.5271% | 861 |
| Total risk-based capital ratio | 25.4480% | 881 |
| Memoranda: | ||
| Average total assets | $304,080,000 | 2,160 |
| Average earning assets | $288,811,500 | 2,132 |
| Average equity | $35,828,000 | 2,042 |
| Average total loans | $151,182,000 | 2,631 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 5,476 |
| Cost of funding earning assets | 0.3646% | 3,536 |
| Net interest margin | 2.8638% | 5,394 |
| Noninterest income to average assets | 0.8256% | 1,691 |
| Noninterest expense to average assets | 2.4214% | 4,462 |
| Loan and lease loss provision to assets | 0.1278% | 1,887 |
| Net operating income to assets | 0.9961% | 2,382 |
| Return on assets (ROA) | 0.9965% | 2,479 |
| Pretax return on assets | 0.9965% | 3,491 |
| Return on Equity (ROE) | 8.7350% | 2,609 |
| Retained earnings to average equity (ytd only) | 2.8511% | 4,034 |
| Net charge-offs to loans | 0.1800% | 1,595 |
| Credit loss provision to net charge-offs | 150.1901% | 1,765 |
| Earnings coverage of net charge-offs (x) | 13.2053% | 2,389 |
| Efficiency ratio | 68.2976% | 3,507 |
| Assets per employee ($millions) | 4.1997% | 3,567 |
| Cash dividends to net income (ytd only)* | 67.3595% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,248 |
| Loan loss allowance to noncurrent loans | 726.5537% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 5,431 |
| Noncurrent loans to loans | 0.1178% | 5,023 |
| Net loans and leases to total assets | 48.6069% | 4,968 |
| Net loans and leases to deposits | 57.7767% | 4,927 |
| Net loans and leases to core deposits | 62.2390% | 4,861 |
| Total domestic deposits to total assets | 84.1289% | 3,438 |
| Equity capital to assets | 11.5179% | 2,339 |
| Core capital (leverage) ratio | 11.4181% | 2,026 |
| Tier 1 risk-based capital ratio | 24.8437% | 827 |
| Total risk-based capital ratio | 25.7491% | 847 |
| Memoranda: | ||
| Average total assets | $308,995,200 | 2,098 |
| Average earning assets | $293,460,800 | 2,056 |
| Average equity | $35,249,000 | 2,028 |
| Average total loans | $146,130,800 | 2,652 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1943% | 5,591 |
| Cost of funding earning assets | 0.3577% | 3,670 |
| Net interest margin | 2.8365% | 5,521 |
| Noninterest income to average assets | 0.8359% | 1,667 |
| Noninterest expense to average assets | 2.3906% | 4,538 |
| Loan and lease loss provision to assets | 0.1219% | 1,866 |
| Net operating income to assets | 1.0176% | 2,383 |
| Return on assets (ROA) | 1.0181% | 2,479 |
| Pretax return on assets | 1.0181% | 3,545 |
| Return on Equity (ROE) | 8.9458% | 2,604 |
| Retained earnings to average equity (ytd only) | 3.2014% | 4,184 |
| Net charge-offs to loans | 0.1452% | 1,675 |
| Credit loss provision to net charge-offs | 179.1139% | 1,474 |
| Earnings coverage of net charge-offs (x) | 16.7469% | 2,096 |
| Efficiency ratio | 67.7199% | 3,599 |
| Assets per employee ($millions) | 4.3771% | 3,200 |
| Cash dividends to net income (ytd only)* | 64.2132% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,361 |
| Loan loss allowance to noncurrent loans | 603.3019% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,482 |
| Noncurrent loans to loans | 0.1413% | 5,068 |
| Net loans and leases to total assets | 47.8737% | 5,089 |
| Net loans and leases to deposits | 57.5601% | 5,025 |
| Net loans and leases to core deposits | 62.4450% | 4,911 |
| Total domestic deposits to total assets | 83.1717% | 3,744 |
| Equity capital to assets | 11.5370% | 2,475 |
| Core capital (leverage) ratio | 11.5523% | 1,998 |
| Tier 1 risk-based capital ratio | 24.7646% | 879 |
| Total risk-based capital ratio | 25.6661% | 894 |
| Memoranda: | ||
| Average total assets | $309,600,000 | 2,109 |
| Average earning assets | $294,058,750 | 2,062 |
| Average equity | $35,233,500 | 2,034 |
| Average total loans | $145,087,750 | 2,679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 5,630 |
| Cost of funding earning assets | 0.3521% | 3,780 |
| Net interest margin | 2.8449% | 5,536 |
| Noninterest income to average assets | 0.8085% | 1,739 |
| Noninterest expense to average assets | 2.4100% | 4,518 |
| Loan and lease loss provision to assets | 0.1248% | 1,774 |
| Net operating income to assets | 0.9754% | 2,517 |
| Return on assets (ROA) | 0.9760% | 2,616 |
| Pretax return on assets | 0.9760% | 3,674 |
| Return on Equity (ROE) | 8.6163% | 2,741 |
| Retained earnings to average equity (ytd only) | 2.8264% | 4,240 |
| Net charge-offs to loans | 0.1743% | 1,418 |
| Credit loss provision to net charge-offs | 154.4000% | 1,509 |
| Earnings coverage of net charge-offs (x) | 13.6080% | 2,118 |
| Efficiency ratio | 68.6567% | 3,561 |
| Assets per employee ($millions) | 4.2508% | 3,386 |
| Cash dividends to net income (ytd only)* | 67.1968% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 5,476 |
| Loan loss allowance to noncurrent loans | 543.1111% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 5,563 |
| Noncurrent loans to loans | 0.1561% | 5,125 |
| Net loans and leases to total assets | 48.0243% | 5,103 |
| Net loans and leases to deposits | 55.6560% | 5,142 |
| Net loans and leases to core deposits | 60.3119% | 5,051 |
| Total domestic deposits to total assets | 86.2877% | 2,532 |
| Equity capital to assets | 11.7564% | 2,197 |
| Core capital (leverage) ratio | 11.5499% | 1,959 |
| Tier 1 risk-based capital ratio | 25.7161% | 800 |
| Total risk-based capital ratio | 26.6195% | 816 |
| Memoranda: | ||
| Average total assets | $309,208,670 | 2,128 |
| Average earning assets | $293,649,330 | 2,083 |
| Average equity | $35,026,670 | 2,054 |
| Average total loans | $143,431,000 | 2,708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1328% | 5,747 |
| Cost of funding earning assets | 0.3506% | 3,856 |
| Net interest margin | 2.7822% | 5,681 |
| Noninterest income to average assets | 0.7542% | 1,888 |
| Noninterest expense to average assets | 2.3553% | 4,724 |
| Loan and lease loss provision to assets | 0.1143% | 1,808 |
| Net operating income to assets | 0.9345% | 2,586 |
| Return on assets (ROA) | 0.9358% | 2,710 |
| Pretax return on assets | 0.9358% | 3,759 |
| Return on Equity (ROE) | 8.4111% | 2,747 |
| Retained earnings to average equity (ytd only) | 2.0314% | 4,661 |
| Net charge-offs to loans | 0.0419% | 2,396 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 55.0667% | 784 |
| Efficiency ratio | 69.1906% | 3,624 |
| Assets per employee ($millions) | 4.2984% | 3,373 |
| Cash dividends to net income (ytd only)* | 75.8480% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 5,567 |
| Loan loss allowance to noncurrent loans | 532.0346% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 5,483 |
| Noncurrent loans to loans | 0.1600% | 5,201 |
| Net loans and leases to total assets | 46.9026% | 5,128 |
| Net loans and leases to deposits | 54.2016% | 5,177 |
| Net loans and leases to core deposits | 58.5420% | 5,086 |
| Total domestic deposits to total assets | 86.5335% | 2,646 |
| Equity capital to assets | 11.5824% | 2,392 |
| Core capital (leverage) ratio | 11.0641% | 2,352 |
| Tier 1 risk-based capital ratio | 25.2496% | 864 |
| Total risk-based capital ratio | 26.1500% | 880 |
| Memoranda: | ||
| Average total assets | $315,034,000 | 2,113 |
| Average earning assets | $300,053,500 | 2,052 |
| Average equity | $35,049,000 | 2,064 |
| Average total loans | $143,085,500 | 2,715 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 5,792 |
| Cost of funding earning assets | 0.3710% | 4,029 |
| Net interest margin | 2.8646% | 5,709 |
| Noninterest income to average assets | 0.8335% | 1,734 |
| Noninterest expense to average assets | 2.3829% | 4,890 |
| Loan and lease loss provision to assets | 0.0985% | 2,512 |
| Net operating income to assets | 1.0789% | 2,060 |
| Return on assets (ROA) | 1.0792% | 2,111 |
| Pretax return on assets | 1.0792% | 3,169 |
| Return on Equity (ROE) | 10.1842% | 2,034 |
| Retained earnings to average equity (ytd only) | 3.5157% | 3,717 |
| Net charge-offs to loans | 0.1626% | 2,405 |
| Credit loss provision to net charge-offs | 144.8598% | 1,648 |
| Earnings coverage of net charge-offs (x) | 17.3084% | 1,930 |
| Efficiency ratio | 66.9286% | 4,071 |
| Assets per employee ($millions) | 4.5122% | 3,014 |
| Cash dividends to net income (ytd only)* | 65.4786% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 5,741 |
| Loan loss allowance to noncurrent loans | 372.2581% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,495 |
| Noncurrent loans to loans | 0.2186% | 5,036 |
| Net loans and leases to total assets | 43.2920% | 5,512 |
| Net loans and leases to deposits | 49.4618% | 5,611 |
| Net loans and leases to core deposits | 53.1399% | 5,553 |
| Total domestic deposits to total assets | 87.5262% | 2,020 |
| Equity capital to assets | 10.6963% | 3,243 |
| Core capital (leverage) ratio | 10.9821% | 2,427 |
| Tier 1 risk-based capital ratio | 25.1973% | 821 |
| Total risk-based capital ratio | 26.0454% | 839 |
| Memoranda: | ||
| Average total assets | $314,577,800 | 2,065 |
| Average earning assets | $299,452,200 | 2,001 |
| Average equity | $33,335,800 | 2,086 |
| Average total loans | $131,610,800 | 2,836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 5,848 |
| Cost of funding earning assets | 0.3755% | 4,069 |
| Net interest margin | 2.8694% | 5,764 |
| Noninterest income to average assets | 0.8466% | 1,714 |
| Noninterest expense to average assets | 2.3841% | 4,877 |
| Loan and lease loss provision to assets | 0.0940% | 2,481 |
| Net operating income to assets | 1.0987% | 2,038 |
| Return on assets (ROA) | 1.0987% | 2,104 |
| Pretax return on assets | 1.0987% | 3,191 |
| Return on Equity (ROE) | 10.3932% | 2,039 |
| Retained earnings to average equity (ytd only) | 3.5897% | 4,094 |
| Net charge-offs to loans | 0.1736% | 2,059 |
| Credit loss provision to net charge-offs | 130.9524% | 1,765 |
| Earnings coverage of net charge-offs (x) | 16.6134% | 1,956 |
| Efficiency ratio | 66.6547% | 4,106 |
| Assets per employee ($millions) | 4.2161% | 3,450 |
| Cash dividends to net income (ytd only)* | 65.4609% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 5,834 |
| Loan loss allowance to noncurrent loans | 1,913.7931% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,907 |
| Noncurrent loans to loans | 0.0427% | 5,842 |
| Net loans and leases to total assets | 43.8233% | 5,535 |
| Net loans and leases to deposits | 50.3472% | 5,629 |
| Net loans and leases to core deposits | 54.4261% | 5,542 |
| Total domestic deposits to total assets | 87.0424% | 2,298 |
| Equity capital to assets | 11.0618% | 2,892 |
| Core capital (leverage) ratio | 10.9924% | 2,492 |
| Tier 1 risk-based capital ratio | 25.8106% | 805 |
| Total risk-based capital ratio | 26.6529% | 832 |
| Memoranda: | ||
| Average total assets | $312,002,250 | 2,097 |
| Average earning assets | $296,874,500 | 2,030 |
| Average equity | $32,982,250 | 2,114 |
| Average total loans | $129,063,250 | 2,892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 5,911 |
| Cost of funding earning assets | 0.3779% | 4,129 |
| Net interest margin | 2.8489% | 5,820 |
| Noninterest income to average assets | 0.8468% | 1,673 |
| Noninterest expense to average assets | 2.3649% | 4,985 |
| Loan and lease loss provision to assets | 0.0830% | 2,646 |
| Net operating income to assets | 1.1123% | 1,888 |
| Return on assets (ROA) | 1.1123% | 1,959 |
| Pretax return on assets | 1.1123% | 3,048 |
| Return on Equity (ROE) | 10.6841% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.9108% | 3,695 |
| Net charge-offs to loans | 0.1767% | 1,976 |
| Credit loss provision to net charge-offs | 116.0714% | 1,752 |
| Earnings coverage of net charge-offs (x) | 16.7232% | 1,773 |
| Efficiency ratio | 66.4277% | 4,297 |
| Assets per employee ($millions) | 4.3529% | 3,171 |
| Cash dividends to net income (ytd only)* | 63.3964% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 5,944 |
| Loan loss allowance to noncurrent loans | 1,265.8824% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 5,972 |
| Noncurrent loans to loans | 0.0642% | 5,833 |
| Net loans and leases to total assets | 41.9280% | 5,682 |
| Net loans and leases to deposits | 47.9976% | 5,771 |
| Net loans and leases to core deposits | 50.3811% | 5,773 |
| Total domestic deposits to total assets | 87.3542% | 2,277 |
| Equity capital to assets | 10.8063% | 3,084 |
| Core capital (leverage) ratio | 10.8440% | 2,586 |
| Tier 1 risk-based capital ratio | 25.6522% | 810 |
| Total risk-based capital ratio | 26.4697% | 833 |
| Memoranda: | ||
| Average total assets | $313,412,330 | 2,085 |
| Average earning assets | $298,502,000 | 2,015 |
| Average equity | $32,628,000 | 2,122 |
| Average total loans | $126,755,670 | 2,933 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1944% | 6,012 |
| Cost of funding earning assets | 0.3846% | 4,146 |
| Net interest margin | 2.8098% | 5,916 |
| Noninterest income to average assets | 0.8423% | 1,596 |
| Noninterest expense to average assets | 2.3113% | 5,163 |
| Loan and lease loss provision to assets | 0.0766% | 2,613 |
| Net operating income to assets | 1.1397% | 1,668 |
| Return on assets (ROA) | 1.1397% | 1,733 |
| Pretax return on assets | 1.1397% | 2,735 |
| Return on Equity (ROE) | 11.1597% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.0365% | 3,696 |
| Net charge-offs to loans | 0.1065% | 2,118 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 28.8788% | 1,075 |
| Efficiency ratio | 65.5210% | 4,604 |
| Assets per employee ($millions) | 4.3479% | 3,253 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 5,995 |
| Loan loss allowance to noncurrent loans | 875.0000% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,957 |
| Noncurrent loans to loans | 0.0975% | 5,833 |
| Net loans and leases to total assets | 40.2633% | 5,791 |
| Net loans and leases to deposits | 45.8642% | 5,860 |
| Net loans and leases to core deposits | 47.6625% | 5,895 |
| Total domestic deposits to total assets | 87.7880% | 2,355 |
| Equity capital to assets | 10.3896% | 3,354 |
| Core capital (leverage) ratio | 10.6006% | 2,807 |
| Tier 1 risk-based capital ratio | 26.2504% | 770 |
| Total risk-based capital ratio | 27.1019% | 783 |
| Memoranda: | ||
| Average total assets | $313,414,000 | 2,091 |
| Average earning assets | $299,523,000 | 2,014 |
| Average equity | $32,008,000 | 2,153 |
| Average total loans | $123,892,500 | 2,992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 6,162 |
| Cost of funding earning assets | 0.4626% | 3,993 |
| Net interest margin | 2.7147% | 6,121 |
| Noninterest income to average assets | 0.8849% | 1,735 |
| Noninterest expense to average assets | 2.3648% | 5,182 |
| Loan and lease loss provision to assets | 0.0770% | 3,569 |
| Net operating income to assets | 1.0485% | 2,124 |
| Return on assets (ROA) | 1.0517% | 2,182 |
| Pretax return on assets | 1.0517% | 3,149 |
| Return on Equity (ROE) | 10.0089% | 2,109 |
| Retained earnings to average equity (ytd only) | 3.4136% | 3,806 |
| Net charge-offs to loans | 0.1722% | 3,102 |
| Credit loss provision to net charge-offs | 118.8119% | 2,015 |
| Earnings coverage of net charge-offs (x) | 17.3663% | 1,723 |
| Efficiency ratio | 67.7544% | 4,244 |
| Assets per employee ($millions) | 4.2983% | 3,271 |
| Cash dividends to net income (ytd only)* | 65.8938% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,990 |
| Loan loss allowance to noncurrent loans | 472.3214% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 5,938 |
| Noncurrent loans to loans | 0.1857% | 5,644 |
| Net loans and leases to total assets | 38.1154% | 6,085 |
| Net loans and leases to deposits | 43.2484% | 6,159 |
| Net loans and leases to core deposits | 45.0263% | 6,184 |
| Total domestic deposits to total assets | 88.1313% | 2,100 |
| Equity capital to assets | 10.0361% | 3,717 |
| Core capital (leverage) ratio | 10.4235% | 2,995 |
| Tier 1 risk-based capital ratio | 26.9817% | 684 |
| Total risk-based capital ratio | 27.8435% | 702 |
| Memoranda: | ||
| Average total assets | $311,690,400 | 2,068 |
| Average earning assets | $299,146,600 | 1,989 |
| Average equity | $32,751,000 | 2,100 |
| Average total loans | $117,302,000 | 3,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 6,259 |
| Cost of funding earning assets | 0.4675% | 4,086 |
| Net interest margin | 2.6798% | 6,207 |
| Noninterest income to average assets | 0.8938% | 1,775 |
| Noninterest expense to average assets | 2.3416% | 5,209 |
| Loan and lease loss provision to assets | 0.0771% | 3,518 |
| Net operating income to assets | 1.0464% | 2,198 |
| Return on assets (ROA) | 1.0506% | 2,263 |
| Pretax return on assets | 1.0506% | 3,296 |
| Return on Equity (ROE) | 9.8870% | 2,228 |
| Retained earnings to average equity (ytd only) | 3.5161% | 4,189 |
| Net charge-offs to loans | 0.1088% | 3,452 |
| Credit loss provision to net charge-offs | 189.4737% | 1,275 |
| Earnings coverage of net charge-offs (x) | 27.6007% | 1,304 |
| Efficiency ratio | 67.5776% | 4,176 |
| Assets per employee ($millions) | 4.5353% | 2,827 |
| Cash dividends to net income (ytd only)* | 64.4371% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 5,949 |
| Loan loss allowance to noncurrent loans | 412.3134% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,141 |
| Noncurrent loans to loans | 0.2279% | 5,663 |
| Net loans and leases to total assets | 36.1766% | 6,274 |
| Net loans and leases to deposits | 40.9832% | 6,353 |
| Net loans and leases to core deposits | 42.6697% | 6,367 |
| Total domestic deposits to total assets | 88.2718% | 1,952 |
| Equity capital to assets | 9.9249% | 4,019 |
| Core capital (leverage) ratio | 10.3739% | 3,141 |
| Tier 1 risk-based capital ratio | 26.1994% | 772 |
| Total risk-based capital ratio | 27.0795% | 786 |
| Memoranda: | ||
| Average total assets | $311,169,000 | 2,078 |
| Average earning assets | $298,571,500 | 1,993 |
| Average equity | $33,066,000 | 2,103 |
| Average total loans | $116,463,750 | 3,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 6,255 |
| Cost of funding earning assets | 0.4743% | 4,154 |
| Net interest margin | 2.7044% | 6,174 |
| Noninterest income to average assets | 0.8642% | 1,945 |
| Noninterest expense to average assets | 2.3345% | 5,264 |
| Loan and lease loss provision to assets | 0.0780% | 3,502 |
| Net operating income to assets | 1.0470% | 2,125 |
| Return on assets (ROA) | 1.0535% | 2,221 |
| Pretax return on assets | 1.0535% | 3,281 |
| Return on Equity (ROE) | 9.6904% | 2,322 |
| Retained earnings to average equity (ytd only) | 3.2780% | 4,217 |
| Net charge-offs to loans | 0.0586% | 3,862 |
| Credit loss provision to net charge-offs | 352.9412% | 735 |
| Earnings coverage of net charge-offs (x) | 50.8824% | 794 |
| Efficiency ratio | 67.4812% | 4,267 |
| Assets per employee ($millions) | 4.3602% | 3,080 |
| Cash dividends to net income (ytd only)* | 66.1728% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 5,986 |
| Loan loss allowance to noncurrent loans | 300.5435% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 6,137 |
| Noncurrent loans to loans | 0.3167% | 5,502 |
| Net loans and leases to total assets | 36.1629% | 6,290 |
| Net loans and leases to deposits | 41.0383% | 6,366 |
| Net loans and leases to core deposits | 42.6734% | 6,378 |
| Total domestic deposits to total assets | 88.1199% | 2,157 |
| Equity capital to assets | 10.0777% | 3,821 |
| Core capital (leverage) ratio | 10.6583% | 2,709 |
| Tier 1 risk-based capital ratio | 26.3357% | 744 |
| Total risk-based capital ratio | 27.2299% | 759 |
| Memoranda: | ||
| Average total assets | $307,555,670 | 2,102 |
| Average earning assets | $295,145,000 | 2,012 |
| Average equity | $33,435,000 | 2,084 |
| Average total loans | $116,086,000 | 3,145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2291% | 6,265 |
| Cost of funding earning assets | 0.4977% | 4,113 |
| Net interest margin | 2.7313% | 6,164 |
| Noninterest income to average assets | 0.8882% | 1,797 |
| Noninterest expense to average assets | 2.3654% | 5,215 |
| Loan and lease loss provision to assets | 0.0794% | 3,315 |
| Net operating income to assets | 1.0656% | 1,977 |
| Return on assets (ROA) | 1.0695% | 2,079 |
| Pretax return on assets | 1.0695% | 3,079 |
| Return on Equity (ROE) | 9.4741% | 2,282 |
| Retained earnings to average equity (ytd only) | 3.0369% | 4,459 |
| Net charge-offs to loans | 0.0724% | 3,117 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 41.1905% | 772 |
| Efficiency ratio | 67.3831% | 4,432 |
| Assets per employee ($millions) | 4.2759% | 3,381 |
| Cash dividends to net income (ytd only)* | 67.9455% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,223 |
| Loan loss allowance to noncurrent loans | 136.8217% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 5,806 |
| Noncurrent loans to loans | 0.6689% | 4,779 |
| Net loans and leases to total assets | 37.7677% | 6,164 |
| Net loans and leases to deposits | 43.4258% | 6,239 |
| Net loans and leases to core deposits | 45.2075% | 6,253 |
| Total domestic deposits to total assets | 86.9706% | 2,976 |
| Equity capital to assets | 11.1572% | 2,789 |
| Core capital (leverage) ratio | 10.8011% | 2,456 |
| Tier 1 risk-based capital ratio | 27.1930% | 688 |
| Total risk-based capital ratio | 28.0850% | 715 |
| Memoranda: | ||
| Average total assets | $302,185,500 | 2,175 |
| Average earning assets | $290,114,000 | 2,077 |
| Average equity | $34,114,000 | 2,070 |
| Average total loans | $116,023,500 | 3,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 6,178 |
| Cost of funding earning assets | 0.6185% | 4,188 |
| Net interest margin | 3.0065% | 6,041 |
| Noninterest income to average assets | 0.9615% | 1,659 |
| Noninterest expense to average assets | 2.3694% | 5,500 |
| Loan and lease loss provision to assets | 0.0816% | 4,678 |
| Net operating income to assets | 1.3909% | 1,115 |
| Return on assets (ROA) | 1.4150% | 1,185 |
| Pretax return on assets | 1.4154% | 1,988 |
| Return on Equity (ROE) | 12.2958% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.5924% | 3,682 |
| Net charge-offs to loans | 0.2347% | 3,531 |
| Credit loss provision to net charge-offs | 87.2727% | 3,583 |
| Earnings coverage of net charge-offs (x) | 15.7527% | 1,633 |
| Efficiency ratio | 61.6671% | 5,289 |
| Assets per employee ($millions) | 4.2364% | 3,481 |
| Cash dividends to net income (ytd only)* | 70.7833% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,325 |
| Loan loss allowance to noncurrent loans | 629.6296% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 6,496 |
| Noncurrent loans to loans | 0.1393% | 6,135 |
| Net loans and leases to total assets | 38.3365% | 6,277 |
| Net loans and leases to deposits | 44.2293% | 6,354 |
| Net loans and leases to core deposits | 46.0808% | 6,367 |
| Total domestic deposits to total assets | 86.6767% | 3,004 |
| Equity capital to assets | 11.4223% | 2,514 |
| Core capital (leverage) ratio | 10.8778% | 2,363 |
| Tier 1 risk-based capital ratio | 27.5487% | 657 |
| Total risk-based capital ratio | 28.4262% | 661 |
| Memoranda: | ||
| Average total assets | $294,130,800 | 2,178 |
| Average earning assets | $281,821,800 | 2,089 |
| Average equity | $33,849,000 | 2,036 |
| Average total loans | $117,180,200 | 3,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,213 |
| Cost of funding earning assets | 0.6326% | 4,338 |
| Net interest margin | 3.0714% | 6,006 |
| Noninterest income to average assets | 0.9706% | 1,595 |
| Noninterest expense to average assets | 2.3487% | 5,548 |
| Loan and lease loss provision to assets | 0.0821% | 4,602 |
| Net operating income to assets | 1.4834% | 1,051 |
| Return on assets (ROA) | 1.5058% | 1,119 |
| Pretax return on assets | 1.5058% | 1,861 |
| Return on Equity (ROE) | 13.0593% | 1,320 |
| Retained earnings to average equity (ytd only) | 4.1396% | 3,992 |
| Net charge-offs to loans | 0.1692% | 3,761 |
| Credit loss provision to net charge-offs | 120.8054% | 2,395 |
| Earnings coverage of net charge-offs (x) | 23.0472% | 1,328 |
| Efficiency ratio | 60.0047% | 5,498 |
| Assets per employee ($millions) | 4.2720% | 3,328 |
| Cash dividends to net income (ytd only)* | 68.3014% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 6,353 |
| Loan loss allowance to noncurrent loans | 978.3784% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,673 |
| Noncurrent loans to loans | 0.0930% | 6,386 |
| Net loans and leases to total assets | 40.6951% | 6,225 |
| Net loans and leases to deposits | 47.2889% | 6,300 |
| Net loans and leases to core deposits | 49.1653% | 6,334 |
| Total domestic deposits to total assets | 86.0564% | 3,220 |
| Equity capital to assets | 11.9484% | 2,301 |
| Core capital (leverage) ratio | 10.9567% | 2,436 |
| Tier 1 risk-based capital ratio | 27.5899% | 696 |
| Total risk-based capital ratio | 28.5299% | 701 |
| Memoranda: | ||
| Average total assets | $292,468,250 | 2,213 |
| Average earning assets | $280,296,750 | 2,120 |
| Average equity | $33,722,250 | 2,060 |
| Average total loans | $117,393,000 | 3,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 6,278 |
| Cost of funding earning assets | 0.6317% | 4,611 |
| Net interest margin | 3.1045% | 5,994 |
| Noninterest income to average assets | 0.9641% | 1,562 |
| Noninterest expense to average assets | 2.3546% | 5,605 |
| Loan and lease loss provision to assets | 0.0819% | 4,574 |
| Net operating income to assets | 1.5018% | 987 |
| Return on assets (ROA) | 1.4888% | 1,134 |
| Pretax return on assets | 1.4888% | 1,880 |
| Return on Equity (ROE) | 13.0686% | 1,347 |
| Retained earnings to average equity (ytd only) | 3.9170% | 4,008 |
| Net charge-offs to loans | 0.1799% | 3,517 |
| Credit loss provision to net charge-offs | 114.2857% | 2,388 |
| Earnings coverage of net charge-offs (x) | 22.1048% | 1,316 |
| Efficiency ratio | 59.7886% | 5,612 |
| Assets per employee ($millions) | 4.1853% | 3,483 |
| Cash dividends to net income (ytd only)* | 70.0275% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,419 |
| Loan loss allowance to noncurrent loans | 1,465.7534% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 6,767 |
| Noncurrent loans to loans | 0.0625% | 6,512 |
| Net loans and leases to total assets | 39.5310% | 6,376 |
| Net loans and leases to deposits | 46.3692% | 6,412 |
| Net loans and leases to core deposits | 48.2868% | 6,442 |
| Total domestic deposits to total assets | 85.2528% | 3,739 |
| Equity capital to assets | 11.5981% | 2,490 |
| Core capital (leverage) ratio | 10.6932% | 2,606 |
| Tier 1 risk-based capital ratio | 27.4814% | 686 |
| Total risk-based capital ratio | 28.4154% | 694 |
| Memoranda: | ||
| Average total assets | $293,124,670 | 2,203 |
| Average earning assets | $280,815,670 | 2,118 |
| Average equity | $33,393,000 | 2,067 |
| Average total loans | $116,755,670 | 3,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 6,412 |
| Cost of funding earning assets | 0.6314% | 4,879 |
| Net interest margin | 3.0856% | 6,095 |
| Noninterest income to average assets | 0.9550% | 1,546 |
| Noninterest expense to average assets | 2.3970% | 5,483 |
| Loan and lease loss provision to assets | 0.0819% | 4,367 |
| Net operating income to assets | 1.4297% | 1,167 |
| Return on assets (ROA) | 1.4297% | 1,311 |
| Pretax return on assets | 1.4297% | 2,091 |
| Return on Equity (ROE) | 12.6647% | 1,494 |
| Retained earnings to average equity (ytd only) | 5.3776% | 3,326 |
| Net charge-offs to loans | 0.2057% | 2,894 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 18.4667% | 1,265 |
| Efficiency ratio | 61.3264% | 5,396 |
| Assets per employee ($millions) | 3.9940% | 4,020 |
| Cash dividends to net income (ytd only)* | 57.5382% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,532 |
| Loan loss allowance to noncurrent loans | 2,153.0612% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 6,874 |
| Noncurrent loans to loans | 0.0418% | 6,649 |
| Net loans and leases to total assets | 38.7997% | 6,436 |
| Net loans and leases to deposits | 45.1914% | 6,482 |
| Net loans and leases to core deposits | 47.1482% | 6,501 |
| Total domestic deposits to total assets | 85.8565% | 3,614 |
| Equity capital to assets | 11.0856% | 2,810 |
| Core capital (leverage) ratio | 10.7557% | 2,486 |
| Tier 1 risk-based capital ratio | 27.1834% | 715 |
| Total risk-based capital ratio | 28.1004% | 732 |
| Memoranda: | ||
| Average total assets | $293,202,000 | 2,215 |
| Average earning assets | $280,663,000 | 2,126 |
| Average equity | $33,100,000 | 2,089 |
| Average total loans | $116,691,500 | 3,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 6,525 |
| Cost of funding earning assets | 0.6943% | 5,577 |
| Net interest margin | 3.2667% | 5,912 |
| Noninterest income to average assets | 1.0412% | 1,251 |
| Noninterest expense to average assets | 2.5283% | 5,359 |
| Loan and lease loss provision to assets | 0.0849% | 5,546 |
| Net operating income to assets | 1.5434% | 752 |
| Return on assets (ROA) | 1.6824% | 608 |
| Pretax return on assets | 1.6860% | 1,019 |
| Return on Equity (ROE) | 14.9827% | 747 |
| Retained earnings to average equity (ytd only) | 5.2726% | 2,470 |
| Net charge-offs to loans | 0.1993% | 4,544 |
| Credit loss provision to net charge-offs | 106.1947% | 3,205 |
| Earnings coverage of net charge-offs (x) | 20.4027% | 1,129 |
| Efficiency ratio | 60.7741% | 5,636 |
| Assets per employee ($millions) | 3.8764% | 4,145 |
| Cash dividends to net income (ytd only)* | 64.8086% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 6,514 |
| Loan loss allowance to noncurrent loans | 1,159.3407% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 6,894 |
| Noncurrent loans to loans | 0.0784% | 6,619 |
| Net loans and leases to total assets | 40.1070% | 6,539 |
| Net loans and leases to deposits | 47.0129% | 6,565 |
| Net loans and leases to core deposits | 48.7967% | 6,605 |
| Total domestic deposits to total assets | 85.3106% | 3,685 |
| Equity capital to assets | 11.5017% | 2,505 |
| Core capital (leverage) ratio | 11.0760% | 2,213 |
| Tier 1 risk-based capital ratio | 27.3370% | 684 |
| Total risk-based capital ratio | 28.2725% | 682 |
| Memoranda: | ||
| Average total assets | $282,565,400 | 2,244 |
| Average earning assets | $269,782,600 | 2,168 |
| Average equity | $31,730,000 | 2,092 |
| Average total loans | $113,405,600 | 3,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 6,535 |
| Cost of funding earning assets | 0.7105% | 5,697 |
| Net interest margin | 3.3230% | 5,794 |
| Noninterest income to average assets | 1.0728% | 1,169 |
| Noninterest expense to average assets | 2.5364% | 5,328 |
| Loan and lease loss provision to assets | 0.0853% | 5,378 |
| Net operating income to assets | 1.6232% | 749 |
| Return on assets (ROA) | 1.8127% | 548 |
| Pretax return on assets | 1.8127% | 935 |
| Return on Equity (ROE) | 16.2428% | 647 |
| Retained earnings to average equity (ytd only) | 6.1839% | 2,435 |
| Net charge-offs to loans | 0.1762% | 4,395 |
| Credit loss provision to net charge-offs | 120.8054% | 2,683 |
| Earnings coverage of net charge-offs (x) | 24.2082% | 1,086 |
| Efficiency ratio | 59.7523% | 5,764 |
| Assets per employee ($millions) | 3.5503% | 4,877 |
| Cash dividends to net income (ytd only)* | 61.9284% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,532 |
| Loan loss allowance to noncurrent loans | 589.0110% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,883 |
| Noncurrent loans to loans | 0.1564% | 6,557 |
| Net loans and leases to total assets | 42.1886% | 6,491 |
| Net loans and leases to deposits | 49.8552% | 6,508 |
| Net loans and leases to core deposits | 51.9792% | 6,568 |
| Total domestic deposits to total assets | 84.6222% | 3,957 |
| Equity capital to assets | 11.9671% | 2,277 |
| Core capital (leverage) ratio | 11.3354% | 2,136 |
| Tier 1 risk-based capital ratio | 27.9875% | 661 |
| Total risk-based capital ratio | 28.9667% | 665 |
| Memoranda: | ||
| Average total assets | $281,493,500 | 2,266 |
| Average earning assets | $268,708,250 | 2,184 |
| Average equity | $31,414,250 | 2,112 |
| Average total loans | $112,731,250 | 3,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 6,604 |
| Cost of funding earning assets | 0.7241% | 5,809 |
| Net interest margin | 3.3123% | 5,820 |
| Noninterest income to average assets | 1.0802% | 1,113 |
| Noninterest expense to average assets | 2.4947% | 5,558 |
| Loan and lease loss provision to assets | 0.0844% | 5,256 |
| Net operating income to assets | 1.6622% | 650 |
| Return on assets (ROA) | 1.9233% | 411 |
| Pretax return on assets | 1.9233% | 670 |
| Return on Equity (ROE) | 17.6433% | 495 |
| Retained earnings to average equity (ytd only) | 8.9411% | 1,127 |
| Net charge-offs to loans | 0.1865% | 4,044 |
| Credit loss provision to net charge-offs | 115.3846% | 2,652 |
| Earnings coverage of net charge-offs (x) | 23.8654% | 1,078 |
| Efficiency ratio | 58.8186% | 6,055 |
| Assets per employee ($millions) | 3.6952% | 4,457 |
| Cash dividends to net income (ytd only)* | 49.3231% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,610 |
| Loan loss allowance to noncurrent loans | 1,026.2136% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,983 |
| Noncurrent loans to loans | 0.0894% | 6,759 |
| Net loans and leases to total assets | 41.7603% | 6,608 |
| Net loans and leases to deposits | 49.1398% | 6,661 |
| Net loans and leases to core deposits | 50.8922% | 6,720 |
| Total domestic deposits to total assets | 84.9827% | 3,890 |
| Equity capital to assets | 11.6378% | 2,375 |
| Core capital (leverage) ratio | 11.0930% | 2,176 |
| Tier 1 risk-based capital ratio | 27.7088% | 681 |
| Total risk-based capital ratio | 28.6670% | 691 |
| Memoranda: | ||
| Average total assets | $284,199,670 | 2,253 |
| Average earning assets | $271,230,670 | 2,169 |
| Average equity | $30,980,670 | 2,123 |
| Average total loans | $111,506,670 | 3,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 6,771 |
| Cost of funding earning assets | 0.7388% | 5,930 |
| Net interest margin | 3.2076% | 6,047 |
| Noninterest income to average assets | 1.0236% | 1,259 |
| Noninterest expense to average assets | 2.4118% | 5,852 |
| Loan and lease loss provision to assets | 0.0829% | 4,962 |
| Net operating income to assets | 1.5996% | 694 |
| Return on assets (ROA) | 1.6037% | 732 |
| Pretax return on assets | 1.6037% | 1,184 |
| Return on Equity (ROE) | 15.1966% | 794 |
| Retained earnings to average equity (ytd only) | 7.4347% | 1,969 |
| Net charge-offs to loans | 0.2080% | 3,264 |
| Credit loss provision to net charge-offs | 105.2632% | 2,532 |
| Earnings coverage of net charge-offs (x) | 21.3684% | 1,084 |
| Efficiency ratio | 58.9069% | 6,140 |
| Assets per employee ($millions) | 3.8495% | 4,188 |
| Cash dividends to net income (ytd only)* | 51.0767% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 6,641 |
| Loan loss allowance to noncurrent loans | 730.0699% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 7,019 |
| Noncurrent loans to loans | 0.1266% | 6,730 |
| Net loans and leases to total assets | 38.7700% | 6,857 |
| Net loans and leases to deposits | 44.9924% | 6,915 |
| Net loans and leases to core deposits | 46.6668% | 6,943 |
| Total domestic deposits to total assets | 86.1702% | 3,421 |
| Equity capital to assets | 10.6508% | 3,039 |
| Core capital (leverage) ratio | 10.2750% | 2,836 |
| Tier 1 risk-based capital ratio | 27.8568% | 644 |
| Total risk-based capital ratio | 28.8344% | 644 |
| Memoranda: | ||
| Average total assets | $289,577,500 | 2,232 |
| Average earning assets | $277,219,000 | 2,136 |
| Average equity | $30,559,500 | 2,145 |
| Average total loans | $109,636,000 | 3,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 6,995 |
| Cost of funding earning assets | 0.9914% | 5,733 |
| Net interest margin | 3.1553% | 6,374 |
| Noninterest income to average assets | 1.1568% | 1,105 |
| Noninterest expense to average assets | 2.6776% | 5,090 |
| Loan and lease loss provision to assets | 0.0902% | 6,239 |
| Net operating income to assets | 1.3919% | 965 |
| Return on assets (ROA) | 1.4235% | 966 |
| Pretax return on assets | 1.4231% | 1,586 |
| Return on Equity (ROE) | 12.5500% | 1,206 |
| Retained earnings to average equity (ytd only) | 4.2827% | 2,846 |
| Net charge-offs to loans | 0.1846% | 5,198 |
| Credit loss provision to net charge-offs | 126.3158% | 3,208 |
| Earnings coverage of net charge-offs (x) | 20.7579% | 988 |
| Efficiency ratio | 64.3754% | 5,286 |
| Assets per employee ($millions) | 4.0340% | 3,711 |
| Cash dividends to net income (ytd only)* | 65.8749% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,462 |
| Loan loss allowance to noncurrent loans | 416.4000% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 6,999 |
| Noncurrent loans to loans | 0.2352% | 6,590 |
| Net loans and leases to total assets | 36.2389% | 7,151 |
| Net loans and leases to deposits | 41.9476% | 7,183 |
| Net loans and leases to core deposits | 43.6510% | 7,212 |
| Total domestic deposits to total assets | 86.3909% | 3,144 |
| Equity capital to assets | 10.4560% | 3,203 |
| Core capital (leverage) ratio | 10.3221% | 2,748 |
| Tier 1 risk-based capital ratio | 27.8505% | 620 |
| Total risk-based capital ratio | 28.8440% | 626 |
| Memoranda: | ||
| Average total assets | $266,174,800 | 2,393 |
| Average earning assets | $253,286,000 | 2,312 |
| Average equity | $30,191,200 | 2,160 |
| Average total loans | $102,938,400 | 3,714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 7,107 |
| Cost of funding earning assets | 1.0095% | 5,896 |
| Net interest margin | 3.1785% | 6,413 |
| Noninterest income to average assets | 1.2005% | 969 |
| Noninterest expense to average assets | 2.6952% | 4,900 |
| Loan and lease loss provision to assets | 0.0923% | 6,113 |
| Net operating income to assets | 1.4342% | 1,049 |
| Return on assets (ROA) | 1.4747% | 1,043 |
| Pretax return on assets | 1.4747% | 1,669 |
| Return on Equity (ROE) | 12.7241% | 1,336 |
| Retained earnings to average equity (ytd only) | 4.7898% | 3,138 |
| Net charge-offs to loans | 0.1580% | 5,049 |
| Credit loss provision to net charge-offs | 148.7603% | 2,623 |
| Earnings coverage of net charge-offs (x) | 24.6115% | 1,019 |
| Efficiency ratio | 63.8417% | 5,272 |
| Assets per employee ($millions) | 3.9644% | 3,908 |
| Cash dividends to net income (ytd only)* | 62.3567% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,409 |
| Loan loss allowance to noncurrent loans | 213.4146% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 6,906 |
| Noncurrent loans to loans | 0.4672% | 6,257 |
| Net loans and leases to total assets | 37.0375% | 7,227 |
| Net loans and leases to deposits | 43.2877% | 7,260 |
| Net loans and leases to core deposits | 45.1751% | 7,285 |
| Total domestic deposits to total assets | 85.5614% | 3,316 |
| Equity capital to assets | 11.1250% | 2,833 |
| Core capital (leverage) ratio | 10.4251% | 2,776 |
| Tier 1 risk-based capital ratio | 26.9359% | 702 |
| Total risk-based capital ratio | 27.9110% | 700 |
| Memoranda: | ||
| Average total assets | $260,107,250 | 2,486 |
| Average earning assets | $247,237,000 | 2,402 |
| Average equity | $30,146,750 | 2,186 |
| Average total loans | $102,099,250 | 3,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 7,144 |
| Cost of funding earning assets | 0.9655% | 6,310 |
| Net interest margin | 3.2565% | 6,146 |
| Noninterest income to average assets | 1.2380% | 849 |
| Noninterest expense to average assets | 2.7883% | 4,542 |
| Loan and lease loss provision to assets | 0.0949% | 5,963 |
| Net operating income to assets | 1.4451% | 1,003 |
| Return on assets (ROA) | 1.4214% | 1,121 |
| Pretax return on assets | 1.4214% | 1,774 |
| Return on Equity (ROE) | 12.0843% | 1,427 |
| Retained earnings to average equity (ytd only) | 4.2275% | 3,382 |
| Net charge-offs to loans | 0.1742% | 4,570 |
| Credit loss provision to net charge-offs | 136.3636% | 2,937 |
| Earnings coverage of net charge-offs (x) | 22.1364% | 1,144 |
| Efficiency ratio | 64.4201% | 5,255 |
| Assets per employee ($millions) | 3.6474% | 4,591 |
| Cash dividends to net income (ytd only)* | 65.0167% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,272 |
| Loan loss allowance to noncurrent loans | 376.1029% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 7,137 |
| Noncurrent loans to loans | 0.2737% | 6,683 |
| Net loans and leases to total assets | 35.0236% | 7,389 |
| Net loans and leases to deposits | 40.8450% | 7,422 |
| Net loans and leases to core deposits | 43.1337% | 7,425 |
| Total domestic deposits to total assets | 85.7475% | 3,238 |
| Equity capital to assets | 10.9533% | 2,914 |
| Core capital (leverage) ratio | 10.9872% | 2,253 |
| Tier 1 risk-based capital ratio | 25.8910% | 774 |
| Total risk-based capital ratio | 26.8187% | 790 |
| Memoranda: | ||
| Average total assets | $252,985,000 | 2,575 |
| Average earning assets | $240,077,330 | 2,478 |
| Average equity | $29,757,670 | 2,204 |
| Average total loans | $101,032,000 | 3,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 7,055 |
| Cost of funding earning assets | 1.0136% | 6,311 |
| Net interest margin | 3.3450% | 5,804 |
| Noninterest income to average assets | 1.3051% | 709 |
| Noninterest expense to average assets | 2.9717% | 3,773 |
| Loan and lease loss provision to assets | 0.1004% | 5,623 |
| Net operating income to assets | 1.3972% | 1,081 |
| Return on assets (ROA) | 1.3972% | 1,153 |
| Pretax return on assets | 1.3972% | 1,785 |
| Return on Equity (ROE) | 11.4167% | 1,666 |
| Retained earnings to average equity (ytd only) | 2.8576% | 4,414 |
| Net charge-offs to loans | 0.2749% | 3,315 |
| Credit loss provision to net charge-offs | 85.7143% | 3,752 |
| Earnings coverage of net charge-offs (x) | 12.7857% | 1,539 |
| Efficiency ratio | 66.4920% | 5,013 |
| Assets per employee ($millions) | 3.1543% | 5,874 |
| Cash dividends to net income (ytd only)* | 74.9701% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,618 |
| Loan loss allowance to noncurrent loans | 817.5000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 7,345 |
| Noncurrent loans to loans | 0.1182% | 7,112 |
| Net loans and leases to total assets | 41.3785% | 7,160 |
| Net loans and leases to deposits | 49.1933% | 7,172 |
| Net loans and leases to core deposits | 52.2338% | 7,189 |
| Total domestic deposits to total assets | 84.1140% | 4,094 |
| Equity capital to assets | 12.0973% | 1,990 |
| Core capital (leverage) ratio | 11.6559% | 1,827 |
| Tier 1 risk-based capital ratio | 25.3700% | 825 |
| Total risk-based capital ratio | 26.2547% | 842 |
| Memoranda: | ||
| Average total assets | $239,053,500 | 2,777 |
| Average earning assets | $226,129,500 | 2,676 |
| Average equity | $29,255,500 | 2,266 |
| Average total loans | $101,855,000 | 3,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 7,046 |
| Cost of funding earning assets | 1.1578% | 6,799 |
| Net interest margin | 3.5941% | 4,571 |
| Noninterest income to average assets | 1.3958% | 753 |
| Noninterest expense to average assets | 3.0110% | 4,101 |
| Loan and lease loss provision to assets | 0.0513% | 7,052 |
| Net operating income to assets | 1.7327% | 413 |
| Return on assets (ROA) | 1.6733% | 498 |
| Pretax return on assets | 1.6742% | 827 |
| Return on Equity (ROE) | 13.7828% | 823 |
| Retained earnings to average equity (ytd only) | 4.7504% | 1,947 |
| Net charge-offs to loans | 0.2472% | 5,079 |
| Credit loss provision to net charge-offs | 48.0000% | 6,770 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,238 |
| Efficiency ratio | 62.7830% | 6,003 |
| Assets per employee ($millions) | 3.0549% | 6,081 |
| Cash dividends to net income (ytd only)* | 65.5340% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,535 |
| Loan loss allowance to noncurrent loans | 869.2982% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 7,356 |
| Noncurrent loans to loans | 0.1115% | 7,138 |
| Net loans and leases to total assets | 43.0384% | 7,176 |
| Net loans and leases to deposits | 51.4052% | 7,180 |
| Net loans and leases to core deposits | 58.7985% | 7,313 |
| Total domestic deposits to total assets | 83.7238% | 4,165 |
| Equity capital to assets | 12.3834% | 1,804 |
| Core capital (leverage) ratio | 12.2814% | 1,538 |
| Tier 1 risk-based capital ratio | 24.9437% | 848 |
| Total risk-based capital ratio | 25.8290% | 865 |
| Memoranda: | ||
| Average total assets | $233,909,200 | 2,778 |
| Average earning assets | $221,282,200 | 2,688 |
| Average equity | $28,397,800 | 2,342 |
| Average total loans | $101,144,800 | 3,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 7,094 |
| Cost of funding earning assets | 1.1930% | 6,910 |
| Net interest margin | 3.6207% | 4,405 |
| Noninterest income to average assets | 1.4156% | 752 |
| Noninterest expense to average assets | 3.0361% | 3,897 |
| Loan and lease loss provision to assets | 0.0685% | 6,678 |
| Net operating income to assets | 1.7410% | 518 |
| Return on assets (ROA) | 1.6845% | 612 |
| Pretax return on assets | 1.6845% | 1,002 |
| Return on Equity (ROE) | 13.9450% | 946 |
| Retained earnings to average equity (ytd only) | 5.1508% | 2,403 |
| Net charge-offs to loans | 0.1877% | 4,894 |
| Credit loss provision to net charge-offs | 84.5070% | 5,639 |
| Earnings coverage of net charge-offs (x) | 22.3238% | 1,163 |
| Efficiency ratio | 62.6576% | 5,990 |
| Assets per employee ($millions) | 2.8855% | 6,448 |
| Cash dividends to net income (ytd only)* | 63.0633% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,856 |
| Loan loss allowance to noncurrent loans | 437.8486% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 7,245 |
| Noncurrent loans to loans | 0.2461% | 6,889 |
| Net loans and leases to total assets | 44.8269% | 7,187 |
| Net loans and leases to deposits | 54.1545% | 7,204 |
| Net loans and leases to core deposits | 62.0400% | 7,324 |
| Total domestic deposits to total assets | 82.7760% | 4,335 |
| Equity capital to assets | 13.0622% | 1,672 |
| Core capital (leverage) ratio | 12.2554% | 1,680 |
| Tier 1 risk-based capital ratio | 25.7939% | 832 |
| Total risk-based capital ratio | 26.8173% | 831 |
| Memoranda: | ||
| Average total assets | $233,579,750 | 2,796 |
| Average earning assets | $221,279,250 | 2,705 |
| Average equity | $28,215,000 | 2,375 |
| Average total loans | $100,873,750 | 3,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 7,252 |
| Cost of funding earning assets | 1.1980% | 7,109 |
| Net interest margin | 3.5895% | 4,409 |
| Noninterest income to average assets | 1.3332% | 863 |
| Noninterest expense to average assets | 2.9778% | 4,167 |
| Loan and lease loss provision to assets | 0.1015% | 6,154 |
| Net operating income to assets | 1.6505% | 621 |
| Return on assets (ROA) | 1.5803% | 773 |
| Pretax return on assets | 1.5803% | 1,253 |
| Return on Equity (ROE) | 13.4290% | 1,090 |
| Retained earnings to average equity (ytd only) | 3.7958% | 3,180 |
| Net charge-offs to loans | 0.1811% | 4,442 |
| Credit loss provision to net charge-offs | 131.8681% | 3,540 |
| Earnings coverage of net charge-offs (x) | 22.7582% | 1,209 |
| Efficiency ratio | 62.9583% | 6,089 |
| Assets per employee ($millions) | 2.9848% | 6,174 |
| Cash dividends to net income (ytd only)* | 71.7345% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,513 |
| Loan loss allowance to noncurrent loans | 718.7500% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 7,414 |
| Noncurrent loans to loans | 0.1547% | 7,136 |
| Net loans and leases to total assets | 43.9362% | 7,332 |
| Net loans and leases to deposits | 52.7638% | 7,341 |
| Net loans and leases to core deposits | 59.6254% | 7,463 |
| Total domestic deposits to total assets | 83.2697% | 4,118 |
| Equity capital to assets | 12.0391% | 2,184 |
| Core capital (leverage) ratio | 11.6131% | 2,030 |
| Tier 1 risk-based capital ratio | 24.8642% | 955 |
| Total risk-based capital ratio | 25.9178% | 955 |
| Memoranda: | ||
| Average total assets | $236,416,330 | 2,784 |
| Average earning assets | $223,710,670 | 2,701 |
| Average equity | $27,820,330 | 2,415 |
| Average total loans | $100,501,330 | 4,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 7,386 |
| Cost of funding earning assets | 1.2091% | 7,282 |
| Net interest margin | 3.5814% | 4,400 |
| Noninterest income to average assets | 1.2560% | 908 |
| Noninterest expense to average assets | 2.7572% | 4,747 |
| Loan and lease loss provision to assets | 0.1007% | 5,678 |
| Net operating income to assets | 1.7950% | 533 |
| Return on assets (ROA) | 1.7917% | 593 |
| Pretax return on assets | 1.7917% | 991 |
| Return on Equity (ROE) | 15.3990% | 903 |
| Retained earnings to average equity (ytd only) | 6.0615% | 2,595 |
| Net charge-offs to loans | 0.2706% | 3,043 |
| Credit loss provision to net charge-offs | 89.5522% | 4,018 |
| Earnings coverage of net charge-offs (x) | 16.8507% | 1,531 |
| Efficiency ratio | 59.2566% | 6,514 |
| Assets per employee ($millions) | 3.0187% | 6,104 |
| Cash dividends to net income (ytd only)* | 60.6373% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,330 |
| Loan loss allowance to noncurrent loans | 571.2821% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 7,349 |
| Noncurrent loans to loans | 0.1959% | 6,972 |
| Net loans and leases to total assets | 41.2748% | 7,508 |
| Net loans and leases to deposits | 49.3163% | 7,526 |
| Net loans and leases to core deposits | 54.8681% | 7,652 |
| Total domestic deposits to total assets | 83.6939% | 3,847 |
| Equity capital to assets | 11.7970% | 2,386 |
| Core capital (leverage) ratio | 11.1178% | 2,408 |
| Tier 1 risk-based capital ratio | 24.9028% | 992 |
| Total risk-based capital ratio | 25.9292% | 991 |
| Memoranda: | ||
| Average total assets | $238,216,000 | 2,786 |
| Average earning assets | $225,947,500 | 2,699 |
| Average equity | $27,716,000 | 2,438 |
| Average total loans | $99,031,500 | 4,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 7,786 |
| Cost of funding earning assets | 1.5522% | 7,530 |
| Net interest margin | 3.5249% | 5,210 |
| Noninterest income to average assets | 1.4215% | 708 |
| Noninterest expense to average assets | 2.8276% | 4,705 |
| Loan and lease loss provision to assets | 0.0929% | 6,204 |
| Net operating income to assets | 1.8304% | 524 |
| Return on assets (ROA) | 1.8364% | 495 |
| Pretax return on assets | 1.8377% | 870 |
| Return on Equity (ROE) | 16.3281% | 725 |
| Retained earnings to average equity (ytd only) | 5.2452% | 1,883 |
| Net charge-offs to loans | 0.2315% | 3,925 |
| Credit loss provision to net charge-offs | 100.9346% | 5,262 |
| Earnings coverage of net charge-offs (x) | 20.9159% | 1,554 |
| Efficiency ratio | 59.5005% | 6,434 |
| Assets per employee ($millions) | 3.0121% | 6,031 |
| Cash dividends to net income (ytd only)* | 67.8764% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,007 |
| Loan loss allowance to noncurrent loans | 491.6667% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,195 |
| Noncurrent loans to loans | 0.2314% | 6,692 |
| Net loans and leases to total assets | 40.9309% | 7,628 |
| Net loans and leases to deposits | 48.7431% | 7,679 |
| Net loans and leases to core deposits | 54.0341% | 7,801 |
| Total domestic deposits to total assets | 83.9727% | 3,336 |
| Equity capital to assets | 11.4722% | 2,652 |
| Core capital (leverage) ratio | 11.4442% | 2,288 |
| Tier 1 risk-based capital ratio | 24.8237% | 997 |
| Total risk-based capital ratio | 25.8695% | 996 |
| Memoranda: | ||
| Average total assets | $232,568,800 | 2,734 |
| Average earning assets | $219,753,800 | 2,662 |
| Average equity | $26,157,400 | 2,542 |
| Average total loans | $92,434,000 | 4,145 |