Home > First Montana Bank, Inc. > Performance and Condition Ratios
First Montana Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 3,423 |
| Cost of funding earning assets | 1.1524% | 2,931 |
| Net interest margin | 3.1591% | 2,965 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.4377% | 2,480 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8368% | 2,753 |
| Return on assets (ROA) | 0.8368% | 2,730 |
| Pretax return on assets | 1.0620% | 2,509 |
| Return on Equity (ROE) | 10.7900% | 2,281 |
| Retained earnings to average equity (ytd only) | 5.8691% | 2,300 |
| Net charge-offs to loans | 0.0924% | 962 |
| Credit loss provision to net charge-offs | 159.3333% | 1,414 |
| Earnings coverage of net charge-offs (x) | 21.1933% | 1,841 |
| Efficiency ratio | 67.9778% | 2,114 |
| Assets per employee ($millions) | 6.3788% | 2,495 |
| Cash dividends to net income (ytd only)* | 45.6076% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,536 |
| Loan loss allowance to noncurrent loans | 346.9388% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,453 |
| Noncurrent loans to loans | 0.2742% | 2,202 |
| Net loans and leases to total assets | 58.5900% | 2,986 |
| Net loans and leases to deposits | 80.1248% | 2,096 |
| Net loans and leases to core deposits | 82.4967% | 2,550 |
| Total domestic deposits to total assets | 73.1200% | 4,159 |
| Equity capital to assets | 7.6673% | 3,617 |
| Core capital (leverage) ratio | 8.5060% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5522% | 2,045 |
| Memoranda: | ||
| Average total assets | $553,684,400 | 1,601 |
| Average earning assets | $513,282,000 | 1,594 |
| Average equity | $42,937,000 | 1,790 |
| Average total loans | $324,606,800 | 1,706 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 3,372 |
| Cost of funding earning assets | 0.9909% | 3,062 |
| Net interest margin | 3.2616% | 2,775 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4297% | 2,433 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0006% | 2,366 |
| Return on assets (ROA) | 1.0006% | 2,352 |
| Pretax return on assets | 1.2621% | 2,138 |
| Return on Equity (ROE) | 12.8700% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.4185% | 2,170 |
| Net charge-offs to loans | 0.0245% | 1,590 |
| Credit loss provision to net charge-offs | 222.0339% | 1,053 |
| Earnings coverage of net charge-offs (x) | 90.2373% | 974 |
| Efficiency ratio | 65.2503% | 2,362 |
| Assets per employee ($millions) | 6.3327% | 2,468 |
| Cash dividends to net income (ytd only)* | 42.3367% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,586 |
| Loan loss allowance to noncurrent loans | 342.5439% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,499 |
| Noncurrent loans to loans | 0.2752% | 2,255 |
| Net loans and leases to total assets | 58.2400% | 3,014 |
| Net loans and leases to deposits | 75.6439% | 2,445 |
| Net loans and leases to core deposits | 77.2937% | 2,779 |
| Total domestic deposits to total assets | 77.0000% | 3,926 |
| Equity capital to assets | 7.6764% | 3,260 |
| Core capital (leverage) ratio | 8.6636% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7837% | 1,981 |
| Memoranda: | ||
| Average total assets | $548,583,000 | 1,618 |
| Average earning assets | $508,737,750 | 1,605 |
| Average equity | $42,667,000 | 1,786 |
| Average total loans | $320,865,250 | 1,712 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,366 |
| Cost of funding earning assets | 0.7908% | 3,232 |
| Net interest margin | 3.3751% | 2,586 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.4317% | 2,404 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2116% | 1,802 |
| Return on assets (ROA) | 1.2116% | 1,787 |
| Pretax return on assets | 1.5107% | 1,578 |
| Return on Equity (ROE) | 15.5100% | 1,359 |
| Retained earnings to average equity (ytd only) | 9.0422% | 1,672 |
| Net charge-offs to loans | 0.0284% | 1,319 |
| Credit loss provision to net charge-offs | 140.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 92.6444% | 981 |
| Efficiency ratio | 61.3194% | 2,808 |
| Assets per employee ($millions) | 6.3723% | 2,413 |
| Cash dividends to net income (ytd only)* | 41.6945% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,691 |
| Loan loss allowance to noncurrent loans | 193.7539% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 1,803 |
| Noncurrent loans to loans | 0.4787% | 1,515 |
| Net loans and leases to total assets | 57.8500% | 2,976 |
| Net loans and leases to deposits | 77.2335% | 2,198 |
| Net loans and leases to core deposits | 78.4196% | 2,582 |
| Total domestic deposits to total assets | 74.9000% | 4,129 |
| Equity capital to assets | 7.5870% | 3,475 |
| Core capital (leverage) ratio | 8.5524% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6119% | 2,056 |
| Memoranda: | ||
| Average total assets | $543,574,333 | 1,626 |
| Average earning assets | $504,040,667 | 1,620 |
| Average equity | $42,467,667 | 1,800 |
| Average total loans | $317,356,333 | 1,717 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 3,269 |
| Cost of funding earning assets | 0.4975% | 3,695 |
| Net interest margin | 3.5913% | 2,152 |
| Noninterest income to average assets | 1.3600% | 368 |
| Noninterest expense to average assets | 2.5762% | 2,023 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.7593% | 732 |
| Return on assets (ROA) | 1.7593% | 725 |
| Pretax return on assets | 2.0895% | 667 |
| Return on Equity (ROE) | 22.1800% | 572 |
| Retained earnings to average equity (ytd only) | 17.7304% | 534 |
| Net charge-offs to loans | -0.0013% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.8966% | 3,517 |
| Assets per employee ($millions) | 5.9057% | 2,838 |
| Cash dividends to net income (ytd only)* | 20.0513% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,686 |
| Loan loss allowance to noncurrent loans | 186.4815% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 1,639 |
| Noncurrent loans to loans | 0.5137% | 1,439 |
| Net loans and leases to total assets | 58.7600% | 2,791 |
| Net loans and leases to deposits | 69.5190% | 2,655 |
| Net loans and leases to core deposits | 70.3379% | 2,931 |
| Total domestic deposits to total assets | 84.5200% | 2,970 |
| Equity capital to assets | 8.1075% | 3,166 |
| Core capital (leverage) ratio | 8.6996% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1811% | 1,912 |
| Memoranda: | ||
| Average total assets | $531,796,000 | 1,676 |
| Average earning assets | $493,642,500 | 1,671 |
| Average equity | $42,187,500 | 1,827 |
| Average total loans | $310,465,500 | 1,755 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 2,383 |
| Cost of funding earning assets | 0.1267% | 4,247 |
| Net interest margin | 3.6314% | 1,548 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.6666% | 1,637 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9418% | 2,807 |
| Return on assets (ROA) | 0.9418% | 2,748 |
| Pretax return on assets | 1.2481% | 2,285 |
| Return on Equity (ROE) | 12.1900% | 2,080 |
| Retained earnings to average equity (ytd only) | 7.1938% | 2,148 |
| Net charge-offs to loans | 0.0485% | 1,193 |
| Credit loss provision to net charge-offs | 148.2270% | 1,309 |
| Earnings coverage of net charge-offs (x) | 46.6809% | 1,404 |
| Efficiency ratio | 67.4126% | 2,035 |
| Assets per employee ($millions) | 6.3343% | 2,481 |
| Cash dividends to net income (ytd only)* | 40.9857% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,642 |
| Loan loss allowance to noncurrent loans | 221.8774% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 1,944 |
| Noncurrent loans to loans | 0.4218% | 1,663 |
| Net loans and leases to total assets | 56.9000% | 2,928 |
| Net loans and leases to deposits | 68.0354% | 2,723 |
| Net loans and leases to core deposits | 68.7005% | 2,962 |
| Total domestic deposits to total assets | 83.6300% | 3,287 |
| Equity capital to assets | 7.7588% | 3,213 |
| Core capital (leverage) ratio | 8.4298% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9544% | 1,643 |
| Memoranda: | ||
| Average total assets | $510,620,600 | 1,695 |
| Average earning assets | $474,310,200 | 1,691 |
| Average equity | $39,450,800 | 1,934 |
| Average total loans | $290,479,800 | 1,768 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 2,102 |
| Cost of funding earning assets | 0.1113% | 4,188 |
| Net interest margin | 3.5681% | 1,467 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.4855% | 2,056 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0827% | 2,166 |
| Return on assets (ROA) | 1.0827% | 2,131 |
| Pretax return on assets | 1.4363% | 1,610 |
| Return on Equity (ROE) | 14.0300% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.7194% | 1,750 |
| Net charge-offs to loans | 0.0516% | 970 |
| Credit loss provision to net charge-offs | 130.6306% | 1,176 |
| Earnings coverage of net charge-offs (x) | 50.3423% | 1,282 |
| Efficiency ratio | 62.7640% | 2,718 |
| Assets per employee ($millions) | 6.1070% | 2,667 |
| Cash dividends to net income (ytd only)* | 37.8504% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,753 |
| Loan loss allowance to noncurrent loans | 212.8012% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 1,973 |
| Noncurrent loans to loans | 0.4404% | 1,704 |
| Net loans and leases to total assets | 56.2200% | 2,885 |
| Net loans and leases to deposits | 63.1688% | 2,932 |
| Net loans and leases to core deposits | 64.0453% | 3,114 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 7.6526% | 3,125 |
| Core capital (leverage) ratio | 8.5482% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1345% | 2,001 |
| Memoranda: | ||
| Average total assets | $505,255,000 | 1,712 |
| Average earning assets | $469,485,500 | 1,707 |
| Average equity | $38,992,750 | 1,983 |
| Average total loans | $286,699,250 | 1,779 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 1,748 |
| Cost of funding earning assets | 0.1127% | 4,050 |
| Net interest margin | 3.5173% | 1,271 |
| Noninterest income to average assets | 0.5518% | 1,941 |
| Noninterest expense to average assets | 2.4573% | 2,063 |
| Loan and lease loss provision to assets | 0.0189% | 2,263 |
| Net operating income to assets | 1.0081% | 2,124 |
| Return on assets (ROA) | 1.0081% | 2,096 |
| Pretax return on assets | 1.3448% | 1,600 |
| Return on Equity (ROE) | 13.0238% | 1,375 |
| Retained earnings to average equity (ytd only) | 6.7747% | 2,063 |
| Net charge-offs to loans | 0.0461% | 934 |
| Credit loss provision to net charge-offs | 72.3077% | 1,424 |
| Earnings coverage of net charge-offs (x) | 52.0923% | 1,145 |
| Efficiency ratio | 64.3091% | 2,735 |
| Assets per employee ($millions) | 5.9930% | 2,752 |
| Cash dividends to net income (ytd only)* | 47.9824% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,828 |
| Loan loss allowance to noncurrent loans | 192.6389% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 1,891 |
| Noncurrent loans to loans | 0.4890% | 1,649 |
| Net loans and leases to total assets | 57.2649% | 2,605 |
| Net loans and leases to deposits | 65.6819% | 2,572 |
| Net loans and leases to core deposits | 66.6521% | 2,765 |
| Total domestic deposits to total assets | 87.1852% | 2,874 |
| Equity capital to assets | 7.7958% | 3,271 |
| Core capital (leverage) ratio | 8.4696% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8342% | 2,131 |
| Memoranda: | ||
| Average total assets | $496,569,000 | 1,735 |
| Average earning assets | $461,545,667 | 1,746 |
| Average equity | $38,437,333 | 2,063 |
| Average total loans | $281,761,667 | 1,798 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 1,801 |
| Cost of funding earning assets | 0.1105% | 4,004 |
| Net interest margin | 3.3924% | 1,317 |
| Noninterest income to average assets | 0.5149% | 2,071 |
| Noninterest expense to average assets | 2.4743% | 1,947 |
| Loan and lease loss provision to assets | -0.0180% | 4,445 |
| Net operating income to assets | 0.9132% | 2,236 |
| Return on assets (ROA) | 0.9132% | 2,234 |
| Pretax return on assets | 1.2159% | 1,751 |
| Return on Equity (ROE) | 11.8413% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.0582% | 1,880 |
| Net charge-offs to loans | -0.0203% | 3,924 |
| Credit loss provision to net charge-offs | 157.1429% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3778% | 2,581 |
| Assets per employee ($millions) | 5.7765% | 3,031 |
| Cash dividends to net income (ytd only)* | 40.3932% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,697 |
| Loan loss allowance to noncurrent loans | 175.4253% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 1,452 |
| Noncurrent loans to loans | 0.5735% | 1,608 |
| Net loans and leases to total assets | 55.1475% | 2,617 |
| Net loans and leases to deposits | 62.3181% | 2,689 |
| Net loans and leases to core deposits | 63.0192% | 2,889 |
| Total domestic deposits to total assets | 88.4935% | 2,299 |
| Equity capital to assets | 7.9601% | 3,602 |
| Core capital (leverage) ratio | 8.6426% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5951% | 1,956 |
| Memoranda: | ||
| Average total assets | $490,152,000 | 1,768 |
| Average earning assets | $456,201,000 | 1,764 |
| Average equity | $37,800,000 | 2,138 |
| Average total loans | $275,401,000 | 1,815 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 2,291 |
| Cost of funding earning assets | 0.1389% | 4,076 |
| Net interest margin | 3.4975% | 1,741 |
| Noninterest income to average assets | 0.6012% | 2,151 |
| Noninterest expense to average assets | 2.7958% | 1,373 |
| Loan and lease loss provision to assets | 0.0365% | 2,312 |
| Net operating income to assets | 0.7541% | 3,478 |
| Return on assets (ROA) | 0.7586% | 3,526 |
| Pretax return on assets | 1.0145% | 3,217 |
| Return on Equity (ROE) | 9.3344% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.3025% | 2,673 |
| Net charge-offs to loans | 0.0170% | 1,945 |
| Credit loss provision to net charge-offs | 358.6957% | 975 |
| Earnings coverage of net charge-offs (x) | 102.7609% | 867 |
| Efficiency ratio | 72.6671% | 1,437 |
| Assets per employee ($millions) | 5.6224% | 3,144 |
| Cash dividends to net income (ytd only)* | 43.1944% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,667 |
| Loan loss allowance to noncurrent loans | 160.6444% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,436 |
| Noncurrent loans to loans | 0.6342% | 1,571 |
| Net loans and leases to total assets | 56.1015% | 2,596 |
| Net loans and leases to deposits | 63.2651% | 2,757 |
| Net loans and leases to core deposits | 63.8218% | 2,996 |
| Total domestic deposits to total assets | 88.6769% | 1,682 |
| Equity capital to assets | 7.4569% | 4,606 |
| Core capital (leverage) ratio | 7.7150% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6237% | 2,399 |
| Memoranda: | ||
| Average total assets | $452,256,400 | 1,832 |
| Average earning assets | $418,929,400 | 1,842 |
| Average equity | $36,756,400 | 2,212 |
| Average total loans | $270,063,400 | 1,836 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 2,584 |
| Cost of funding earning assets | 0.1474% | 4,130 |
| Net interest margin | 3.4432% | 2,031 |
| Noninterest income to average assets | 0.6315% | 2,093 |
| Noninterest expense to average assets | 2.5698% | 1,930 |
| Loan and lease loss provision to assets | 0.0488% | 2,023 |
| Net operating income to assets | 0.8902% | 3,274 |
| Return on assets (ROA) | 0.8964% | 3,334 |
| Pretax return on assets | 1.2018% | 2,927 |
| Return on Equity (ROE) | 10.7873% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.1590% | 2,758 |
| Net charge-offs to loans | 0.0228% | 1,587 |
| Credit loss provision to net charge-offs | 354.3478% | 924 |
| Earnings coverage of net charge-offs (x) | 90.0652% | 923 |
| Efficiency ratio | 67.2358% | 1,934 |
| Assets per employee ($millions) | 5.8104% | 2,879 |
| Cash dividends to net income (ytd only)* | 42.9050% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,736 |
| Loan loss allowance to noncurrent loans | 131.1707% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 1,419 |
| Noncurrent loans to loans | 0.7856% | 1,438 |
| Net loans and leases to total assets | 54.8978% | 2,864 |
| Net loans and leases to deposits | 61.9954% | 3,039 |
| Net loans and leases to core deposits | 62.4327% | 3,271 |
| Total domestic deposits to total assets | 88.5514% | 1,542 |
| Equity capital to assets | 7.6968% | 4,655 |
| Core capital (leverage) ratio | 7.8894% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8032% | 2,426 |
| Memoranda: | ||
| Average total assets | $444,439,250 | 1,875 |
| Average earning assets | $410,617,500 | 1,883 |
| Average equity | $36,931,500 | 2,236 |
| Average total loans | $269,065,000 | 1,871 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 2,756 |
| Cost of funding earning assets | 0.1578% | 4,141 |
| Net interest margin | 3.3979% | 2,145 |
| Noninterest income to average assets | 0.5155% | 2,559 |
| Noninterest expense to average assets | 2.5983% | 1,861 |
| Loan and lease loss provision to assets | 0.0456% | 2,100 |
| Net operating income to assets | 0.7496% | 3,644 |
| Return on assets (ROA) | 0.7588% | 3,682 |
| Pretax return on assets | 1.0184% | 3,402 |
| Return on Equity (ROE) | 8.8834% | 3,138 |
| Retained earnings to average equity (ytd only) | 3.0011% | 3,839 |
| Net charge-offs to loans | 0.0670% | 953 |
| Credit loss provision to net charge-offs | 108.8889% | 1,314 |
| Earnings coverage of net charge-offs (x) | 25.1333% | 1,415 |
| Efficiency ratio | 70.9061% | 1,538 |
| Assets per employee ($millions) | 5.3700% | 3,269 |
| Cash dividends to net income (ytd only)* | 66.2170% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,989 |
| Loan loss allowance to noncurrent loans | 50.1496% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 456 |
| Noncurrent loans to loans | 1.8997% | 525 |
| Net loans and leases to total assets | 61.0661% | 2,296 |
| Net loans and leases to deposits | 68.5562% | 2,563 |
| Net loans and leases to core deposits | 69.0694% | 2,855 |
| Total domestic deposits to total assets | 89.0745% | 1,245 |
| Equity capital to assets | 7.9997% | 4,533 |
| Core capital (leverage) ratio | 8.2059% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4240% | 2,569 |
| Memoranda: | ||
| Average total assets | $429,893,667 | 1,909 |
| Average earning assets | $396,655,333 | 1,922 |
| Average equity | $36,720,000 | 2,237 |
| Average total loans | $268,509,000 | 1,882 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 2,732 |
| Cost of funding earning assets | 0.1683% | 4,177 |
| Net interest margin | 3.4027% | 2,105 |
| Noninterest income to average assets | 0.5569% | 2,382 |
| Noninterest expense to average assets | 2.6845% | 1,656 |
| Loan and lease loss provision to assets | 0.0614% | 1,896 |
| Net operating income to assets | 0.7110% | 3,681 |
| Return on assets (ROA) | 0.7239% | 3,717 |
| Pretax return on assets | 0.9716% | 3,452 |
| Return on Equity (ROE) | 8.1906% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.3784% | 3,669 |
| Net charge-offs to loans | 0.1587% | 498 |
| Credit loss provision to net charge-offs | 61.5385% | 1,270 |
| Earnings coverage of net charge-offs (x) | 10.1827% | 1,510 |
| Efficiency ratio | 71.9844% | 1,499 |
| Assets per employee ($millions) | 4.9489% | 3,717 |
| Cash dividends to net income (ytd only)* | 58.7533% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,797 |
| Loan loss allowance to noncurrent loans | 57.5897% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 565 |
| Noncurrent loans to loans | 1.7558% | 674 |
| Net loans and leases to total assets | 59.1873% | 2,648 |
| Net loans and leases to deposits | 67.7795% | 2,722 |
| Net loans and leases to core deposits | 68.4202% | 3,026 |
| Total domestic deposits to total assets | 87.3233% | 2,171 |
| Equity capital to assets | 8.4521% | 4,150 |
| Core capital (leverage) ratio | 8.7339% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3384% | 2,147 |
| Memoranda: | ||
| Average total assets | $416,614,000 | 1,941 |
| Average earning assets | $384,990,500 | 1,952 |
| Average equity | $36,822,500 | 2,213 |
| Average total loans | $262,054,000 | 1,910 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,426 |
| Cost of funding earning assets | 0.2230% | 4,496 |
| Net interest margin | 4.2327% | 591 |
| Noninterest income to average assets | 0.7329% | 1,735 |
| Noninterest expense to average assets | 3.2117% | 1,039 |
| Loan and lease loss provision to assets | 0.1049% | 3,021 |
| Net operating income to assets | 0.9933% | 2,317 |
| Return on assets (ROA) | 0.9933% | 2,459 |
| Pretax return on assets | 1.2676% | 2,092 |
| Return on Equity (ROE) | 10.0115% | 2,003 |
| Retained earnings to average equity (ytd only) | 4.7756% | 2,381 |
| Net charge-offs to loans | 0.1047% | 1,420 |
| Credit loss provision to net charge-offs | 139.3382% | 2,490 |
| Earnings coverage of net charge-offs (x) | 18.2316% | 2,033 |
| Efficiency ratio | 69.3051% | 2,047 |
| Assets per employee ($millions) | 4.7919% | 3,614 |
| Cash dividends to net income (ytd only)* | 52.2987% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,816 |
| Loan loss allowance to noncurrent loans | 51.0797% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 534 |
| Noncurrent loans to loans | 1.9843% | 586 |
| Net loans and leases to total assets | 65.6331% | 2,144 |
| Net loans and leases to deposits | 75.8671% | 2,297 |
| Net loans and leases to core deposits | 76.5903% | 2,670 |
| Total domestic deposits to total assets | 86.5107% | 2,142 |
| Equity capital to assets | 9.2616% | 3,832 |
| Core capital (leverage) ratio | 8.9858% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2148% | 2,160 |
| Memoranda: | ||
| Average total assets | $361,303,000 | 2,001 |
| Average earning assets | $328,753,000 | 2,032 |
| Average equity | $35,848,800 | 2,185 |
| Average total loans | $259,873,800 | 1,870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 1,540 |
| Cost of funding earning assets | 0.2364% | 4,547 |
| Net interest margin | 4.2753% | 620 |
| Noninterest income to average assets | 0.7147% | 1,751 |
| Noninterest expense to average assets | 3.2451% | 990 |
| Loan and lease loss provision to assets | 0.0849% | 3,250 |
| Net operating income to assets | 0.9862% | 2,386 |
| Return on assets (ROA) | 0.9862% | 2,522 |
| Pretax return on assets | 1.2606% | 2,190 |
| Return on Equity (ROE) | 9.7558% | 2,110 |
| Retained earnings to average equity (ytd only) | 4.0409% | 3,028 |
| Net charge-offs to loans | 0.1385% | 1,051 |
| Credit loss provision to net charge-offs | 83.2714% | 2,737 |
| Earnings coverage of net charge-offs (x) | 13.2119% | 2,208 |
| Efficiency ratio | 69.9159% | 1,896 |
| Assets per employee ($millions) | 4.6865% | 3,615 |
| Cash dividends to net income (ytd only)* | 58.5797% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,941 |
| Loan loss allowance to noncurrent loans | 48.7150% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 641 |
| Noncurrent loans to loans | 1.9245% | 651 |
| Net loans and leases to total assets | 66.8716% | 2,401 |
| Net loans and leases to deposits | 79.1261% | 2,412 |
| Net loans and leases to core deposits | 79.7756% | 2,862 |
| Total domestic deposits to total assets | 84.5127% | 2,629 |
| Equity capital to assets | 9.1336% | 4,014 |
| Core capital (leverage) ratio | 9.3281% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2715% | 2,077 |
| Memoranda: | ||
| Average total assets | $352,196,500 | 2,019 |
| Average earning assets | $319,282,250 | 2,058 |
| Average equity | $35,602,000 | 2,182 |
| Average total loans | $258,913,500 | 1,866 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 1,454 |
| Cost of funding earning assets | 0.2530% | 4,613 |
| Net interest margin | 4.4243% | 589 |
| Noninterest income to average assets | 0.7043% | 1,722 |
| Noninterest expense to average assets | 3.3520% | 923 |
| Loan and lease loss provision to assets | 0.0778% | 3,324 |
| Net operating income to assets | 1.0041% | 2,309 |
| Return on assets (ROA) | 1.0041% | 2,433 |
| Pretax return on assets | 1.2618% | 2,146 |
| Return on Equity (ROE) | 9.5695% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.0276% | 3,375 |
| Net charge-offs to loans | 0.1581% | 937 |
| Credit loss provision to net charge-offs | 64.8515% | 2,570 |
| Earnings coverage of net charge-offs (x) | 11.1683% | 2,108 |
| Efficiency ratio | 70.6493% | 1,867 |
| Assets per employee ($millions) | 4.1310% | 4,172 |
| Cash dividends to net income (ytd only)* | 68.3619% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 3,862 |
| Loan loss allowance to noncurrent loans | 71.2654% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 1,065 |
| Noncurrent loans to loans | 1.3121% | 1,178 |
| Net loans and leases to total assets | 72.7136% | 1,590 |
| Net loans and leases to deposits | 87.3632% | 1,621 |
| Net loans and leases to core deposits | 87.9738% | 2,245 |
| Total domestic deposits to total assets | 83.2315% | 3,022 |
| Equity capital to assets | 9.8785% | 3,306 |
| Core capital (leverage) ratio | 9.9764% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3250% | 2,060 |
| Memoranda: | ||
| Average total assets | $336,811,000 | 2,063 |
| Average earning assets | $303,551,667 | 2,112 |
| Average equity | $35,341,333 | 2,190 |
| Average total loans | $255,582,667 | 1,866 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 1,487 |
| Cost of funding earning assets | 0.2870% | 4,695 |
| Net interest margin | 4.4889% | 512 |
| Noninterest income to average assets | 0.7222% | 1,559 |
| Noninterest expense to average assets | 3.5010% | 935 |
| Loan and lease loss provision to assets | 0.0507% | 3,146 |
| Net operating income to assets | 0.9918% | 2,200 |
| Return on assets (ROA) | 0.9918% | 2,300 |
| Pretax return on assets | 1.1934% | 2,224 |
| Return on Equity (ROE) | 9.1509% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.9707% | 2,692 |
| Net charge-offs to loans | 0.0480% | 1,530 |
| Credit loss provision to net charge-offs | 136.6667% | 1,632 |
| Earnings coverage of net charge-offs (x) | 33.5333% | 1,113 |
| Efficiency ratio | 72.9737% | 1,940 |
| Assets per employee ($millions) | 3.6810% | 4,296 |
| Cash dividends to net income (ytd only)* | 56.6085% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,519 |
| Loan loss allowance to noncurrent loans | 88.9848% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 1,503 |
| Noncurrent loans to loans | 1.1632% | 1,422 |
| Net loans and leases to total assets | 76.0661% | 1,295 |
| Net loans and leases to deposits | 92.2321% | 1,255 |
| Net loans and leases to core deposits | 92.7860% | 2,091 |
| Total domestic deposits to total assets | 82.4725% | 3,271 |
| Equity capital to assets | 10.8587% | 2,975 |
| Core capital (leverage) ratio | 10.7802% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5038% | 2,480 |
| Memoranda: | ||
| Average total assets | $323,453,500 | 2,075 |
| Average earning assets | $289,867,500 | 2,135 |
| Average equity | $35,056,500 | 2,196 |
| Average total loans | $249,960,000 | 1,854 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0484% | 1,347 |
| Cost of funding earning assets | 0.3350% | 4,646 |
| Net interest margin | 4.7134% | 456 |
| Noninterest income to average assets | 0.7196% | 1,745 |
| Noninterest expense to average assets | 3.4184% | 1,081 |
| Loan and lease loss provision to assets | 0.1754% | 1,188 |
| Net operating income to assets | 1.0256% | 2,747 |
| Return on assets (ROA) | 1.0256% | 2,843 |
| Pretax return on assets | 1.3866% | 2,213 |
| Return on Equity (ROE) | 9.4490% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.0072% | 2,961 |
| Net charge-offs to loans | 0.1313% | 1,453 |
| Credit loss provision to net charge-offs | 173.2704% | 1,497 |
| Earnings coverage of net charge-offs (x) | 15.4277% | 2,233 |
| Efficiency ratio | 67.8366% | 2,487 |
| Assets per employee ($millions) | 3.7556% | 4,206 |
| Cash dividends to net income (ytd only)* | 57.5908% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,368 |
| Loan loss allowance to noncurrent loans | 90.0035% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 1,432 |
| Noncurrent loans to loans | 1.1361% | 1,331 |
| Net loans and leases to total assets | 76.9021% | 1,272 |
| Net loans and leases to deposits | 94.7140% | 1,085 |
| Net loans and leases to core deposits | 95.3068% | 1,958 |
| Total domestic deposits to total assets | 81.1940% | 3,724 |
| Equity capital to assets | 10.8176% | 3,165 |
| Core capital (leverage) ratio | 10.6550% | 2,804 |
| Tier 1 risk-based capital ratio | 12.4270% | 4,116 |
| Total risk-based capital ratio | 13.4255% | 4,149 |
| Memoranda: | ||
| Average total assets | $314,067,000 | 2,077 |
| Average earning assets | $283,913,400 | 2,121 |
| Average equity | $34,088,400 | 2,184 |
| Average total loans | $242,141,800 | 1,877 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 1,455 |
| Cost of funding earning assets | 0.3474% | 4,666 |
| Net interest margin | 4.6874% | 509 |
| Noninterest income to average assets | 0.7183% | 1,708 |
| Noninterest expense to average assets | 3.3628% | 1,153 |
| Loan and lease loss provision to assets | 0.1000% | 1,919 |
| Net operating income to assets | 1.0822% | 2,644 |
| Return on assets (ROA) | 1.0822% | 2,738 |
| Pretax return on assets | 1.4960% | 1,969 |
| Return on Equity (ROE) | 9.9616% | 2,446 |
| Retained earnings to average equity (ytd only) | 4.1838% | 3,309 |
| Net charge-offs to loans | 0.1267% | 1,247 |
| Credit loss provision to net charge-offs | 102.6316% | 2,197 |
| Earnings coverage of net charge-offs (x) | 16.3729% | 2,145 |
| Efficiency ratio | 67.0029% | 2,588 |
| Assets per employee ($millions) | 3.7675% | 4,195 |
| Cash dividends to net income (ytd only)* | 58.0007% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,804 |
| Loan loss allowance to noncurrent loans | 109.2991% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 2,004 |
| Noncurrent loans to loans | 0.8733% | 1,836 |
| Net loans and leases to total assets | 76.6917% | 1,360 |
| Net loans and leases to deposits | 94.0764% | 1,212 |
| Net loans and leases to core deposits | 95.0204% | 2,082 |
| Total domestic deposits to total assets | 81.5206% | 3,612 |
| Equity capital to assets | 10.9598% | 3,133 |
| Core capital (leverage) ratio | 10.7358% | 2,902 |
| Tier 1 risk-based capital ratio | 12.7347% | 4,005 |
| Total risk-based capital ratio | 13.6818% | 4,065 |
| Memoranda: | ||
| Average total assets | $311,838,250 | 2,101 |
| Average earning assets | $282,113,750 | 2,151 |
| Average equity | $33,875,750 | 2,214 |
| Average total loans | $239,940,750 | 1,897 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 1,449 |
| Cost of funding earning assets | 0.3607% | 4,650 |
| Net interest margin | 4.6532% | 547 |
| Noninterest income to average assets | 0.6826% | 1,786 |
| Noninterest expense to average assets | 3.3039% | 1,276 |
| Loan and lease loss provision to assets | 0.0864% | 2,116 |
| Net operating income to assets | 1.0951% | 2,542 |
| Return on assets (ROA) | 1.0951% | 2,611 |
| Pretax return on assets | 1.4992% | 1,863 |
| Return on Equity (ROE) | 10.1112% | 2,335 |
| Retained earnings to average equity (ytd only) | 3.3863% | 3,545 |
| Net charge-offs to loans | 0.0562% | 1,839 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 36.7164% | 1,299 |
| Efficiency ratio | 66.7414% | 2,711 |
| Assets per employee ($millions) | 3.6848% | 4,267 |
| Cash dividends to net income (ytd only)* | 66.5097% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,648 |
| Loan loss allowance to noncurrent loans | 106.9996% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 1,920 |
| Noncurrent loans to loans | 0.9317% | 1,755 |
| Net loans and leases to total assets | 76.1005% | 1,531 |
| Net loans and leases to deposits | 96.4371% | 991 |
| Net loans and leases to core deposits | 97.5434% | 1,923 |
| Total domestic deposits to total assets | 78.9120% | 4,238 |
| Equity capital to assets | 10.9118% | 3,164 |
| Core capital (leverage) ratio | 10.5535% | 3,032 |
| Tier 1 risk-based capital ratio | 12.4722% | 4,139 |
| Total risk-based capital ratio | 13.4377% | 4,187 |
| Memoranda: | ||
| Average total assets | $310,295,670 | 2,117 |
| Average earning assets | $280,538,670 | 2,164 |
| Average equity | $33,606,330 | 2,221 |
| Average total loans | $238,240,330 | 1,920 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,503 |
| Cost of funding earning assets | 0.3288% | 4,742 |
| Net interest margin | 4.6099% | 599 |
| Noninterest income to average assets | 0.6243% | 1,939 |
| Noninterest expense to average assets | 3.2923% | 1,300 |
| Loan and lease loss provision to assets | 0.0635% | 2,394 |
| Net operating income to assets | 1.0491% | 2,663 |
| Return on assets (ROA) | 1.0491% | 2,703 |
| Pretax return on assets | 1.4454% | 1,939 |
| Return on Equity (ROE) | 9.7236% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.4536% | 3,146 |
| Net charge-offs to loans | 0.1097% | 1,083 |
| Credit loss provision to net charge-offs | 75.3846% | 1,812 |
| Earnings coverage of net charge-offs (x) | 17.9231% | 1,644 |
| Efficiency ratio | 67.7367% | 2,677 |
| Assets per employee ($millions) | 3.6399% | 4,419 |
| Cash dividends to net income (ytd only)* | 54.1975% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,894 |
| Loan loss allowance to noncurrent loans | 116.5493% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,161 |
| Noncurrent loans to loans | 0.8293% | 1,981 |
| Net loans and leases to total assets | 76.7294% | 1,362 |
| Net loans and leases to deposits | 90.4890% | 1,570 |
| Net loans and leases to core deposits | 96.6769% | 1,880 |
| Total domestic deposits to total assets | 84.7942% | 2,753 |
| Equity capital to assets | 10.8825% | 2,973 |
| Core capital (leverage) ratio | 10.6700% | 2,875 |
| Tier 1 risk-based capital ratio | 12.4804% | 4,184 |
| Total risk-based capital ratio | 13.4216% | 4,249 |
| Memoranda: | ||
| Average total assets | $308,838,000 | 2,132 |
| Average earning assets | $279,829,500 | 2,179 |
| Average equity | $33,321,000 | 2,231 |
| Average total loans | $236,983,000 | 1,941 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 1,471 |
| Cost of funding earning assets | 0.2258% | 4,902 |
| Net interest margin | 4.6039% | 599 |
| Noninterest income to average assets | 0.7321% | 1,723 |
| Noninterest expense to average assets | 3.4925% | 1,002 |
| Loan and lease loss provision to assets | 0.0418% | 3,352 |
| Net operating income to assets | 0.9881% | 3,063 |
| Return on assets (ROA) | 0.9881% | 3,062 |
| Pretax return on assets | 1.3432% | 2,349 |
| Return on Equity (ROE) | 9.3401% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.1180% | 3,294 |
| Net charge-offs to loans | 0.0508% | 2,428 |
| Credit loss provision to net charge-offs | 111.4035% | 2,321 |
| Earnings coverage of net charge-offs (x) | 36.9211% | 1,401 |
| Efficiency ratio | 70.9033% | 2,055 |
| Assets per employee ($millions) | 3.6700% | 4,362 |
| Cash dividends to net income (ytd only)* | 55.9108% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,731 |
| Loan loss allowance to noncurrent loans | 113.8604% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 2,063 |
| Noncurrent loans to loans | 0.8747% | 1,840 |
| Net loans and leases to total assets | 75.2297% | 1,735 |
| Net loans and leases to deposits | 92.5060% | 1,471 |
| Net loans and leases to core deposits | 93.6003% | 2,263 |
| Total domestic deposits to total assets | 81.3242% | 3,821 |
| Equity capital to assets | 10.6954% | 2,993 |
| Core capital (leverage) ratio | 10.5383% | 2,974 |
| Tier 1 risk-based capital ratio | 12.5456% | 4,109 |
| Total risk-based capital ratio | 13.5097% | 4,150 |
| Memoranda: | ||
| Average total assets | $303,912,000 | 2,134 |
| Average earning assets | $273,636,600 | 2,168 |
| Average equity | $32,151,800 | 2,203 |
| Average total loans | $224,558,800 | 1,994 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,584 |
| Cost of funding earning assets | 0.2157% | 4,966 |
| Net interest margin | 4.5200% | 712 |
| Noninterest income to average assets | 0.7120% | 1,826 |
| Noninterest expense to average assets | 3.4290% | 1,076 |
| Loan and lease loss provision to assets | 0.0396% | 3,210 |
| Net operating income to assets | 0.9660% | 3,235 |
| Return on assets (ROA) | 0.9660% | 3,248 |
| Pretax return on assets | 1.3116% | 2,572 |
| Return on Equity (ROE) | 9.1567% | 3,020 |
| Retained earnings to average equity (ytd only) | 3.4139% | 4,060 |
| Net charge-offs to loans | 0.0726% | 1,800 |
| Credit loss provision to net charge-offs | 74.3802% | 2,589 |
| Earnings coverage of net charge-offs (x) | 25.3635% | 1,780 |
| Efficiency ratio | 71.0601% | 2,030 |
| Assets per employee ($millions) | 3.6733% | 4,341 |
| Cash dividends to net income (ytd only)* | 62.7165% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,887 |
| Loan loss allowance to noncurrent loans | 112.6476% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 2,220 |
| Noncurrent loans to loans | 0.8707% | 1,961 |
| Net loans and leases to total assets | 74.8936% | 1,835 |
| Net loans and leases to deposits | 91.5896% | 1,674 |
| Net loans and leases to core deposits | 92.6672% | 2,418 |
| Total domestic deposits to total assets | 81.7708% | 3,676 |
| Equity capital to assets | 10.4422% | 3,197 |
| Core capital (leverage) ratio | 10.3874% | 3,197 |
| Tier 1 risk-based capital ratio | 12.5518% | 4,185 |
| Total risk-based capital ratio | 13.5022% | 4,237 |
| Memoranda: | ||
| Average total assets | $302,819,750 | 2,143 |
| Average earning assets | $272,556,750 | 2,187 |
| Average equity | $31,946,750 | 2,220 |
| Average total loans | $222,135,500 | 2,014 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,706 |
| Cost of funding earning assets | 0.1879% | 5,085 |
| Net interest margin | 4.4388% | 786 |
| Noninterest income to average assets | 0.7085% | 1,840 |
| Noninterest expense to average assets | 3.4496% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9205% | 3,368 |
| Return on assets (ROA) | 0.9205% | 3,369 |
| Pretax return on assets | 1.2476% | 2,736 |
| Return on Equity (ROE) | 8.6955% | 3,173 |
| Retained earnings to average equity (ytd only) | 1.7705% | 4,539 |
| Net charge-offs to loans | 0.0751% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 22.8902% | 1,724 |
| Efficiency ratio | 72.8456% | 1,870 |
| Assets per employee ($millions) | 3.5227% | 4,562 |
| Cash dividends to net income (ytd only)* | 79.6390% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,827 |
| Loan loss allowance to noncurrent loans | 110.2463% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 2,226 |
| Noncurrent loans to loans | 0.9090% | 1,904 |
| Net loans and leases to total assets | 72.9791% | 2,120 |
| Net loans and leases to deposits | 89.0372% | 1,974 |
| Net loans and leases to core deposits | 90.3172% | 2,547 |
| Total domestic deposits to total assets | 81.9647% | 3,730 |
| Equity capital to assets | 10.5066% | 3,109 |
| Core capital (leverage) ratio | 10.4734% | 3,060 |
| Tier 1 risk-based capital ratio | 12.7804% | 4,016 |
| Total risk-based capital ratio | 13.7449% | 4,083 |
| Memoranda: | ||
| Average total assets | $300,908,000 | 2,166 |
| Average earning assets | $270,388,670 | 2,208 |
| Average equity | $31,855,670 | 2,231 |
| Average total loans | $218,388,330 | 2,049 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 1,896 |
| Cost of funding earning assets | 0.1603% | 5,224 |
| Net interest margin | 4.3317% | 899 |
| Noninterest income to average assets | 0.7429% | 1,648 |
| Noninterest expense to average assets | 3.5320% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8270% | 3,602 |
| Return on assets (ROA) | 0.8270% | 3,613 |
| Pretax return on assets | 1.1044% | 3,160 |
| Return on Equity (ROE) | 7.7820% | 3,475 |
| Retained earnings to average equity (ytd only) | 2.6986% | 4,095 |
| Net charge-offs to loans | 0.0760% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.1951% | 1,477 |
| Efficiency ratio | 75.8918% | 1,606 |
| Assets per employee ($millions) | 3.5865% | 4,556 |
| Cash dividends to net income (ytd only)* | 65.3226% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,613 |
| Loan loss allowance to noncurrent loans | 110.2031% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 2,168 |
| Noncurrent loans to loans | 0.9593% | 1,902 |
| Net loans and leases to total assets | 71.6493% | 2,231 |
| Net loans and leases to deposits | 85.4580% | 2,238 |
| Net loans and leases to core deposits | 87.2571% | 2,697 |
| Total domestic deposits to total assets | 83.8415% | 3,392 |
| Equity capital to assets | 10.7054% | 2,862 |
| Core capital (leverage) ratio | 10.4865% | 2,957 |
| Tier 1 risk-based capital ratio | 12.9482% | 3,977 |
| Total risk-based capital ratio | 13.9455% | 4,018 |
| Memoranda: | ||
| Average total assets | $299,886,500 | 2,195 |
| Average earning assets | $269,545,000 | 2,229 |
| Average equity | $31,868,500 | 2,247 |
| Average total loans | $215,918,000 | 2,076 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 1,685 |
| Cost of funding earning assets | 0.1430% | 5,302 |
| Net interest margin | 4.3642% | 831 |
| Noninterest income to average assets | 0.6890% | 2,011 |
| Noninterest expense to average assets | 3.2281% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6900% | 3,639 |
| Return on assets (ROA) | 0.6924% | 3,685 |
| Pretax return on assets | 1.3993% | 1,990 |
| Return on Equity (ROE) | 6.4466% | 3,556 |
| Retained earnings to average equity (ytd only) | 1.6753% | 4,298 |
| Net charge-offs to loans | 0.1045% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.2920% | 2,081 |
| Efficiency ratio | 69.8160% | 2,593 |
| Assets per employee ($millions) | 3.6397% | 4,519 |
| Cash dividends to net income (ytd only)* | 74.0127% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,492 |
| Loan loss allowance to noncurrent loans | 128.0353% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,461 |
| Noncurrent loans to loans | 0.8378% | 2,130 |
| Net loans and leases to total assets | 70.8230% | 2,393 |
| Net loans and leases to deposits | 85.9717% | 2,263 |
| Net loans and leases to core deposits | 87.9208% | 2,732 |
| Total domestic deposits to total assets | 82.3795% | 3,762 |
| Equity capital to assets | 10.5495% | 3,112 |
| Core capital (leverage) ratio | 10.3388% | 3,031 |
| Tier 1 risk-based capital ratio | 12.9764% | 3,917 |
| Total risk-based capital ratio | 13.9978% | 3,960 |
| Memoranda: | ||
| Average total assets | $296,215,200 | 2,190 |
| Average earning assets | $267,059,800 | 2,229 |
| Average equity | $31,815,400 | 2,230 |
| Average total loans | $216,231,000 | 2,026 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,677 |
| Cost of funding earning assets | 0.1439% | 5,351 |
| Net interest margin | 4.3455% | 825 |
| Noninterest income to average assets | 0.6754% | 2,106 |
| Noninterest expense to average assets | 3.2452% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8482% | 3,278 |
| Return on assets (ROA) | 0.8482% | 3,329 |
| Pretax return on assets | 1.3507% | 2,281 |
| Return on Equity (ROE) | 7.8610% | 3,201 |
| Retained earnings to average equity (ytd only) | 2.1466% | 4,573 |
| Net charge-offs to loans | 0.1141% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.1406% | 2,180 |
| Efficiency ratio | 70.6102% | 2,430 |
| Assets per employee ($millions) | 3.6190% | 4,563 |
| Cash dividends to net income (ytd only)* | 72.6933% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,461 |
| Loan loss allowance to noncurrent loans | 112.2148% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,315 |
| Noncurrent loans to loans | 0.9835% | 1,963 |
| Net loans and leases to total assets | 70.4380% | 2,494 |
| Net loans and leases to deposits | 84.1067% | 2,547 |
| Net loans and leases to core deposits | 85.9916% | 2,968 |
| Total domestic deposits to total assets | 83.7483% | 3,212 |
| Equity capital to assets | 10.6683% | 3,196 |
| Core capital (leverage) ratio | 10.6723% | 2,796 |
| Tier 1 risk-based capital ratio | 13.1564% | 3,905 |
| Total risk-based capital ratio | 14.2024% | 3,949 |
| Memoranda: | ||
| Average total assets | $294,746,250 | 2,212 |
| Average earning assets | $265,922,250 | 2,253 |
| Average equity | $31,802,000 | 2,248 |
| Average total loans | $216,221,250 | 2,036 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,522 |
| Cost of funding earning assets | 0.1494% | 5,338 |
| Net interest margin | 4.3452% | 772 |
| Noninterest income to average assets | 0.6774% | 2,090 |
| Noninterest expense to average assets | 3.2123% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8727% | 3,058 |
| Return on assets (ROA) | 0.8727% | 3,108 |
| Pretax return on assets | 1.3788% | 2,106 |
| Return on Equity (ROE) | 8.0578% | 2,997 |
| Retained earnings to average equity (ytd only) | 1.3177% | 4,724 |
| Net charge-offs to loans | 0.1650% | 1,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.2793% | 2,288 |
| Efficiency ratio | 69.9688% | 2,684 |
| Assets per employee ($millions) | 3.4366% | 4,813 |
| Cash dividends to net income (ytd only)* | 83.6463% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,567 |
| Loan loss allowance to noncurrent loans | 120.8270% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 2,414 |
| Noncurrent loans to loans | 0.9128% | 2,146 |
| Net loans and leases to total assets | 73.5259% | 1,955 |
| Net loans and leases to deposits | 88.5658% | 1,917 |
| Net loans and leases to core deposits | 90.6497% | 2,465 |
| Total domestic deposits to total assets | 83.0184% | 3,561 |
| Equity capital to assets | 11.0333% | 2,772 |
| Core capital (leverage) ratio | 10.6804% | 2,725 |
| Tier 1 risk-based capital ratio | 12.9769% | 4,008 |
| Total risk-based capital ratio | 14.0213% | 4,044 |
| Memoranda: | ||
| Average total assets | $292,870,000 | 2,237 |
| Average earning assets | $263,788,330 | 2,273 |
| Average equity | $31,721,000 | 2,246 |
| Average total loans | $216,982,000 | 2,031 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 1,603 |
| Cost of funding earning assets | 0.1472% | 5,394 |
| Net interest margin | 4.2669% | 854 |
| Noninterest income to average assets | 0.5899% | 2,461 |
| Noninterest expense to average assets | 3.2207% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7730% | 3,350 |
| Return on assets (ROA) | 0.7730% | 3,407 |
| Pretax return on assets | 1.2218% | 2,507 |
| Return on Equity (ROE) | 7.2023% | 3,313 |
| Retained earnings to average equity (ytd only) | 2.2112% | 4,260 |
| Net charge-offs to loans | 0.0697% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.7105% | 1,384 |
| Efficiency ratio | 72.4969% | 2,487 |
| Assets per employee ($millions) | 3.4849% | 4,805 |
| Cash dividends to net income (ytd only)* | 69.2982% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,390 |
| Loan loss allowance to noncurrent loans | 132.2785% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,563 |
| Noncurrent loans to loans | 0.8725% | 2,288 |
| Net loans and leases to total assets | 73.3797% | 1,840 |
| Net loans and leases to deposits | 88.3843% | 1,747 |
| Net loans and leases to core deposits | 89.9002% | 2,357 |
| Total domestic deposits to total assets | 83.0235% | 3,823 |
| Equity capital to assets | 10.8606% | 2,789 |
| Core capital (leverage) ratio | 10.4856% | 2,921 |
| Tier 1 risk-based capital ratio | 12.7368% | 4,235 |
| Total risk-based capital ratio | 13.8213% | 4,251 |
| Memoranda: | ||
| Average total assets | $294,969,500 | 2,238 |
| Average earning assets | $266,331,500 | 2,272 |
| Average equity | $31,656,500 | 2,254 |
| Average total loans | $218,165,500 | 2,040 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,508 |
| Cost of funding earning assets | 0.1497% | 5,427 |
| Net interest margin | 4.3590% | 838 |
| Noninterest income to average assets | 0.7348% | 2,019 |
| Noninterest expense to average assets | 3.3223% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8565% | 3,042 |
| Return on assets (ROA) | 0.8587% | 3,143 |
| Pretax return on assets | 1.3306% | 2,177 |
| Return on Equity (ROE) | 8.0516% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.3566% | 5,177 |
| Net charge-offs to loans | -0.0117% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4547% | 2,676 |
| Assets per employee ($millions) | 3.5382% | 4,699 |
| Cash dividends to net income (ytd only)* | 95.5714% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,354 |
| Loan loss allowance to noncurrent loans | 145.3196% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 2,853 |
| Noncurrent loans to loans | 0.7999% | 2,511 |
| Net loans and leases to total assets | 72.8351% | 2,034 |
| Net loans and leases to deposits | 88.8755% | 1,821 |
| Net loans and leases to core deposits | 90.3956% | 2,470 |
| Total domestic deposits to total assets | 81.9519% | 4,090 |
| Equity capital to assets | 10.6056% | 3,033 |
| Core capital (leverage) ratio | 10.3676% | 3,034 |
| Tier 1 risk-based capital ratio | 12.6719% | 4,279 |
| Total risk-based capital ratio | 13.7726% | 4,254 |
| Memoranda: | ||
| Average total assets | $294,521,000 | 2,196 |
| Average earning assets | $264,511,000 | 2,251 |
| Average equity | $31,409,800 | 2,260 |
| Average total loans | $213,088,200 | 2,022 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,661 |
| Cost of funding earning assets | 0.1533% | 5,468 |
| Net interest margin | 4.3076% | 915 |
| Noninterest income to average assets | 0.7559% | 1,944 |
| Noninterest expense to average assets | 3.3159% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8373% | 3,203 |
| Return on assets (ROA) | 0.8399% | 3,317 |
| Pretax return on assets | 1.3072% | 2,400 |
| Return on Equity (ROE) | 7.8642% | 3,078 |
| Retained earnings to average equity (ytd only) | -1.7419% | 5,578 |
| Net charge-offs to loans | -0.0195% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7878% | 2,607 |
| Assets per employee ($millions) | 3.7091% | 4,453 |
| Cash dividends to net income (ytd only)* | 122.1501% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,350 |
| Loan loss allowance to noncurrent loans | 140.9945% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,809 |
| Noncurrent loans to loans | 0.8391% | 2,585 |
| Net loans and leases to total assets | 70.9507% | 2,350 |
| Net loans and leases to deposits | 84.4492% | 2,435 |
| Net loans and leases to core deposits | 85.8402% | 2,961 |
| Total domestic deposits to total assets | 84.0158% | 3,208 |
| Equity capital to assets | 10.4046% | 3,673 |
| Core capital (leverage) ratio | 10.2413% | 3,291 |
| Tier 1 risk-based capital ratio | 12.5348% | 4,450 |
| Total risk-based capital ratio | 13.6425% | 4,442 |
| Memoranda: | ||
| Average total assets | $293,848,500 | 2,210 |
| Average earning assets | $263,525,000 | 2,271 |
| Average equity | $31,382,000 | 2,276 |
| Average total loans | $211,605,250 | 2,039 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 1,761 |
| Cost of funding earning assets | 0.1583% | 5,491 |
| Net interest margin | 4.2657% | 991 |
| Noninterest income to average assets | 0.8819% | 1,434 |
| Noninterest expense to average assets | 3.3341% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8695% | 3,009 |
| Return on assets (ROA) | 0.8695% | 3,124 |
| Pretax return on assets | 1.3722% | 2,127 |
| Return on Equity (ROE) | 8.0705% | 2,947 |
| Retained earnings to average equity (ytd only) | -4.6781% | 5,736 |
| Net charge-offs to loans | 0.0228% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 83.3750% | 682 |
| Efficiency ratio | 70.8437% | 2,852 |
| Assets per employee ($millions) | 3.6249% | 4,560 |
| Cash dividends to net income (ytd only)* | 157.9653% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 3,593 |
| Loan loss allowance to noncurrent loans | 144.1686% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,914 |
| Noncurrent loans to loans | 0.8036% | 2,743 |
| Net loans and leases to total assets | 72.5525% | 2,081 |
| Net loans and leases to deposits | 89.2002% | 1,839 |
| Net loans and leases to core deposits | 90.7529% | 2,461 |
| Total domestic deposits to total assets | 81.3367% | 4,175 |
| Equity capital to assets | 10.5398% | 3,589 |
| Core capital (leverage) ratio | 10.2867% | 3,216 |
| Tier 1 risk-based capital ratio | 12.3134% | 4,640 |
| Total risk-based capital ratio | 13.3906% | 4,660 |
| Memoranda: | ||
| Average total assets | $291,653,330 | 2,232 |
| Average earning assets | $261,479,000 | 2,290 |
| Average equity | $31,423,000 | 2,279 |
| Average total loans | $210,236,330 | 2,051 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 1,768 |
| Cost of funding earning assets | 0.1580% | 5,551 |
| Net interest margin | 4.2541% | 992 |
| Noninterest income to average assets | 0.5807% | 2,635 |
| Noninterest expense to average assets | 3.4637% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6000% | 4,173 |
| Return on assets (ROA) | 0.6000% | 4,289 |
| Pretax return on assets | 0.9330% | 3,715 |
| Return on Equity (ROE) | 5.5084% | 4,222 |
| Retained earnings to average equity (ytd only) | 0.6317% | 4,963 |
| Net charge-offs to loans | 0.1657% | 1,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.8837% | 2,107 |
| Efficiency ratio | 78.7793% | 1,787 |
| Assets per employee ($millions) | 3.6635% | 4,535 |
| Cash dividends to net income (ytd only)* | 88.5321% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,665 |
| Loan loss allowance to noncurrent loans | 117.4060% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 2,464 |
| Noncurrent loans to loans | 0.9960% | 2,397 |
| Net loans and leases to total assets | 71.1106% | 2,173 |
| Net loans and leases to deposits | 86.5852% | 2,007 |
| Net loans and leases to core deposits | 88.0985% | 2,554 |
| Total domestic deposits to total assets | 82.1279% | 4,183 |
| Equity capital to assets | 10.9603% | 2,986 |
| Core capital (leverage) ratio | 10.6326% | 2,814 |
| Tier 1 risk-based capital ratio | 12.9168% | 4,316 |
| Total risk-based capital ratio | 13.9917% | 4,337 |
| Memoranda: | ||
| Average total assets | $290,670,500 | 2,242 |
| Average earning assets | $260,737,500 | 2,299 |
| Average equity | $31,661,000 | 2,266 |
| Average total loans | $207,592,000 | 2,075 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 1,801 |
| Cost of funding earning assets | 0.1888% | 5,376 |
| Net interest margin | 4.2418% | 1,077 |
| Noninterest income to average assets | 0.7709% | 1,897 |
| Noninterest expense to average assets | 3.2678% | 1,796 |
| Loan and lease loss provision to assets | 0.0342% | 3,671 |
| Net operating income to assets | 0.8061% | 3,312 |
| Return on assets (ROA) | 0.8061% | 3,394 |
| Pretax return on assets | 1.2645% | 2,415 |
| Return on Equity (ROE) | 7.5270% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.6571% | 3,450 |
| Net charge-offs to loans | 0.1979% | 1,478 |
| Credit loss provision to net charge-offs | 25.5814% | 3,699 |
| Earnings coverage of net charge-offs (x) | 9.7158% | 2,785 |
| Efficiency ratio | 71.5604% | 2,969 |
| Assets per employee ($millions) | 3.5600% | 4,704 |
| Cash dividends to net income (ytd only)* | 51.4139% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,367 |
| Loan loss allowance to noncurrent loans | 111.7465% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 2,260 |
| Noncurrent loans to loans | 1.0902% | 2,159 |
| Net loans and leases to total assets | 70.0257% | 2,364 |
| Net loans and leases to deposits | 86.5868% | 2,050 |
| Net loans and leases to core deposits | 88.1798% | 2,586 |
| Total domestic deposits to total assets | 80.8734% | 4,517 |
| Equity capital to assets | 10.8251% | 2,999 |
| Core capital (leverage) ratio | 10.5463% | 2,885 |
| Tier 1 risk-based capital ratio | 12.9718% | 4,341 |
| Total risk-based capital ratio | 14.0896% | 4,329 |
| Memoranda: | ||
| Average total assets | $289,524,400 | 2,209 |
| Average earning assets | $259,065,800 | 2,271 |
| Average equity | $31,008,200 | 2,249 |
| Average total loans | $195,588,000 | 2,115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,956 |
| Cost of funding earning assets | 0.1997% | 5,374 |
| Net interest margin | 4.1896% | 1,187 |
| Noninterest income to average assets | 0.7887% | 1,842 |
| Noninterest expense to average assets | 3.2741% | 1,767 |
| Loan and lease loss provision to assets | 0.0277% | 3,695 |
| Net operating income to assets | 0.7910% | 3,474 |
| Return on assets (ROA) | 0.7910% | 3,561 |
| Pretax return on assets | 1.2340% | 2,681 |
| Return on Equity (ROE) | 7.4053% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.8213% | 4,427 |
| Net charge-offs to loans | 0.1231% | 1,895 |
| Credit loss provision to net charge-offs | 33.7079% | 3,238 |
| Earnings coverage of net charge-offs (x) | 15.3594% | 2,184 |
| Efficiency ratio | 72.1844% | 2,845 |
| Assets per employee ($millions) | 3.4159% | 4,955 |
| Cash dividends to net income (ytd only)* | 61.9018% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,955 |
| Loan loss allowance to noncurrent loans | 102.1252% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 2,315 |
| Noncurrent loans to loans | 1.3021% | 1,963 |
| Net loans and leases to total assets | 68.7706% | 2,571 |
| Net loans and leases to deposits | 82.7901% | 2,554 |
| Net loans and leases to core deposits | 84.2791% | 3,013 |
| Total domestic deposits to total assets | 83.0662% | 3,797 |
| Equity capital to assets | 10.7493% | 3,303 |
| Core capital (leverage) ratio | 10.2673% | 3,286 |
| Tier 1 risk-based capital ratio | 12.9397% | 4,460 |
| Total risk-based capital ratio | 14.1624% | 4,401 |
| Memoranda: | ||
| Average total assets | $288,924,750 | 2,231 |
| Average earning assets | $258,410,250 | 2,291 |
| Average equity | $30,860,000 | 2,277 |
| Average total loans | $192,749,500 | 2,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,129 |
| Cost of funding earning assets | 0.2151% | 5,303 |
| Net interest margin | 4.0975% | 1,358 |
| Noninterest income to average assets | 0.7925% | 1,810 |
| Noninterest expense to average assets | 3.1978% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8244% | 3,249 |
| Return on assets (ROA) | 0.8244% | 3,361 |
| Pretax return on assets | 1.2536% | 2,535 |
| Return on Equity (ROE) | 7.7351% | 3,195 |
| Retained earnings to average equity (ytd only) | 2.3940% | 4,535 |
| Net charge-offs to loans | 0.1129% | 1,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.8972% | 1,882 |
| Efficiency ratio | 71.8380% | 3,020 |
| Assets per employee ($millions) | 3.4418% | 4,912 |
| Cash dividends to net income (ytd only)* | 69.0496% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,025 |
| Loan loss allowance to noncurrent loans | 106.1273% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 2,512 |
| Noncurrent loans to loans | 1.2639% | 2,132 |
| Net loans and leases to total assets | 67.1425% | 2,776 |
| Net loans and leases to deposits | 86.6925% | 1,980 |
| Net loans and leases to core deposits | 87.9945% | 2,552 |
| Total domestic deposits to total assets | 77.4490% | 5,379 |
| Equity capital to assets | 10.4329% | 3,515 |
| Core capital (leverage) ratio | 10.3170% | 3,199 |
| Tier 1 risk-based capital ratio | 12.6724% | 4,697 |
| Total risk-based capital ratio | 13.9030% | 4,638 |
| Memoranda: | ||
| Average total assets | $288,448,000 | 2,248 |
| Average earning assets | $257,570,330 | 2,314 |
| Average equity | $30,743,000 | 2,295 |
| Average total loans | $189,542,670 | 2,185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 2,230 |
| Cost of funding earning assets | 0.2219% | 5,302 |
| Net interest margin | 4.0389% | 1,443 |
| Noninterest income to average assets | 0.7630% | 1,852 |
| Noninterest expense to average assets | 3.1896% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7911% | 3,314 |
| Return on assets (ROA) | 0.7911% | 3,447 |
| Pretax return on assets | 1.1789% | 2,744 |
| Return on Equity (ROE) | 7.3417% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.7124% | 4,321 |
| Net charge-offs to loans | 0.0937% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.5116% | 1,446 |
| Efficiency ratio | 73.0138% | 2,986 |
| Assets per employee ($millions) | 3.3469% | 5,169 |
| Cash dividends to net income (ytd only)* | 63.0551% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 2,507 |
| Loan loss allowance to noncurrent loans | 107.5010% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 2,524 |
| Noncurrent loans to loans | 1.3816% | 2,077 |
| Net loans and leases to total assets | 64.4921% | 3,030 |
| Net loans and leases to deposits | 78.3607% | 2,752 |
| Net loans and leases to core deposits | 79.6324% | 3,210 |
| Total domestic deposits to total assets | 82.3016% | 4,413 |
| Equity capital to assets | 10.8316% | 3,164 |
| Core capital (leverage) ratio | 10.4587% | 3,024 |
| Tier 1 risk-based capital ratio | 13.4254% | 4,362 |
| Total risk-based capital ratio | 14.6764% | 4,278 |
| Memoranda: | ||
| Average total assets | $284,674,000 | 2,288 |
| Average earning assets | $254,127,000 | 2,356 |
| Average equity | $30,674,000 | 2,311 |
| Average total loans | $183,593,500 | 2,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,318 |
| Cost of funding earning assets | 0.2395% | 5,427 |
| Net interest margin | 4.1316% | 1,485 |
| Noninterest income to average assets | 0.7455% | 2,099 |
| Noninterest expense to average assets | 3.2257% | 2,142 |
| Loan and lease loss provision to assets | 0.1094% | 2,337 |
| Net operating income to assets | 0.7036% | 3,876 |
| Return on assets (ROA) | 0.7036% | 3,991 |
| Pretax return on assets | 1.0888% | 3,125 |
| Return on Equity (ROE) | 6.6341% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.3650% | 4,548 |
| Net charge-offs to loans | 0.0466% | 3,892 |
| Credit loss provision to net charge-offs | 374.6988% | 697 |
| Earnings coverage of net charge-offs (x) | 41.0361% | 1,061 |
| Efficiency ratio | 72.9145% | 3,052 |
| Assets per employee ($millions) | 3.3124% | 5,238 |
| Cash dividends to net income (ytd only)* | 64.3500% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,248 |
| Loan loss allowance to noncurrent loans | 290.4860% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 4,156 |
| Noncurrent loans to loans | 0.5344% | 4,059 |
| Net loans and leases to total assets | 62.5359% | 3,435 |
| Net loans and leases to deposits | 76.6299% | 3,128 |
| Net loans and leases to core deposits | 77.7910% | 3,541 |
| Total domestic deposits to total assets | 81.6078% | 4,567 |
| Equity capital to assets | 10.7188% | 3,214 |
| Core capital (leverage) ratio | 10.2857% | 3,192 |
| Tier 1 risk-based capital ratio | 14.4541% | 3,805 |
| Total risk-based capital ratio | 15.7068% | 3,741 |
| Memoranda: | ||
| Average total assets | $284,250,400 | 2,241 |
| Average earning assets | $253,072,800 | 2,324 |
| Average equity | $30,147,400 | 2,262 |
| Average total loans | $177,937,200 | 2,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,458 |
| Cost of funding earning assets | 0.2446% | 5,461 |
| Net interest margin | 4.0948% | 1,594 |
| Noninterest income to average assets | 0.7166% | 2,251 |
| Noninterest expense to average assets | 3.1965% | 2,187 |
| Loan and lease loss provision to assets | 0.1108% | 2,199 |
| Net operating income to assets | 0.6678% | 4,113 |
| Return on assets (ROA) | 0.6678% | 4,210 |
| Pretax return on assets | 1.0550% | 3,359 |
| Return on Equity (ROE) | 6.3136% | 4,075 |
| Retained earnings to average equity (ytd only) | 1.1580% | 5,426 |
| Net charge-offs to loans | -0.0038% | 5,258 |
| Credit loss provision to net charge-offs | -4,720.0000% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2760% | 2,944 |
| Assets per employee ($millions) | 3.2609% | 5,308 |
| Cash dividends to net income (ytd only)* | 81.6580% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,383 |
| Loan loss allowance to noncurrent loans | 318.5102% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 4,538 |
| Noncurrent loans to loans | 0.4953% | 4,436 |
| Net loans and leases to total assets | 61.3510% | 3,580 |
| Net loans and leases to deposits | 73.8101% | 3,458 |
| Net loans and leases to core deposits | 75.1276% | 3,842 |
| Total domestic deposits to total assets | 83.1201% | 4,088 |
| Equity capital to assets | 10.4831% | 3,588 |
| Core capital (leverage) ratio | 10.1991% | 3,413 |
| Tier 1 risk-based capital ratio | 14.3586% | 3,977 |
| Total risk-based capital ratio | 15.6116% | 3,910 |
| Memoranda: | ||
| Average total assets | $284,096,750 | 2,262 |
| Average earning assets | $252,929,750 | 2,338 |
| Average equity | $30,050,750 | 2,280 |
| Average total loans | $177,183,500 | 2,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,398 |
| Cost of funding earning assets | 0.2517% | 5,467 |
| Net interest margin | 4.0948% | 1,533 |
| Noninterest income to average assets | 0.6887% | 2,334 |
| Noninterest expense to average assets | 3.1638% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7487% | 3,575 |
| Return on assets (ROA) | 0.7487% | 3,681 |
| Pretax return on assets | 1.1676% | 2,810 |
| Return on Equity (ROE) | 7.0572% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.1531% | 5,640 |
| Net charge-offs to loans | -0.0193% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0431% | 3,153 |
| Assets per employee ($millions) | 3.2398% | 5,359 |
| Cash dividends to net income (ytd only)* | 97.8302% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 3,374 |
| Loan loss allowance to noncurrent loans | 257.2606% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 4,574 |
| Noncurrent loans to loans | 0.5425% | 4,380 |
| Net loans and leases to total assets | 62.6102% | 3,305 |
| Net loans and leases to deposits | 75.6102% | 3,109 |
| Net loans and leases to core deposits | 76.9497% | 3,544 |
| Total domestic deposits to total assets | 82.8065% | 4,380 |
| Equity capital to assets | 10.6357% | 3,270 |
| Core capital (leverage) ratio | 10.2253% | 3,303 |
| Tier 1 risk-based capital ratio | 14.3461% | 4,028 |
| Total risk-based capital ratio | 15.5979% | 3,967 |
| Memoranda: | ||
| Average total assets | $283,143,330 | 2,271 |
| Average earning assets | $251,882,330 | 2,340 |
| Average equity | $30,040,330 | 2,277 |
| Average total loans | $176,620,330 | 2,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,554 |
| Cost of funding earning assets | 0.2614% | 5,472 |
| Net interest margin | 4.0310% | 1,656 |
| Noninterest income to average assets | 0.6653% | 2,372 |
| Noninterest expense to average assets | 3.1813% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6780% | 3,797 |
| Return on assets (ROA) | 0.6780% | 3,879 |
| Pretax return on assets | 1.0698% | 3,034 |
| Return on Equity (ROE) | 6.3981% | 3,807 |
| Retained earnings to average equity (ytd only) | 1.8489% | 4,859 |
| Net charge-offs to loans | -0.1710% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8342% | 2,993 |
| Assets per employee ($millions) | 3.1697% | 5,573 |
| Cash dividends to net income (ytd only)* | 71.1019% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,355 |
| Loan loss allowance to noncurrent loans | 194.3726% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 4,200 |
| Noncurrent loans to loans | 0.7482% | 3,994 |
| Net loans and leases to total assets | 61.3951% | 3,331 |
| Net loans and leases to deposits | 73.9526% | 3,065 |
| Net loans and leases to core deposits | 75.2144% | 3,503 |
| Total domestic deposits to total assets | 83.0196% | 4,598 |
| Equity capital to assets | 10.6761% | 3,069 |
| Core capital (leverage) ratio | 10.2417% | 3,228 |
| Tier 1 risk-based capital ratio | 14.6590% | 3,914 |
| Total risk-based capital ratio | 15.9111% | 3,866 |
| Memoranda: | ||
| Average total assets | $283,783,500 | 2,270 |
| Average earning assets | $252,444,000 | 2,336 |
| Average equity | $30,071,500 | 2,270 |
| Average total loans | $175,444,000 | 2,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,661 |
| Cost of funding earning assets | 0.3140% | 5,476 |
| Net interest margin | 4.0657% | 1,745 |
| Noninterest income to average assets | 0.6499% | 2,809 |
| Noninterest expense to average assets | 3.2358% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6654% | 3,958 |
| Return on assets (ROA) | 0.6654% | 4,055 |
| Pretax return on assets | 1.0306% | 3,226 |
| Return on Equity (ROE) | 6.4856% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.0546% | 4,056 |
| Net charge-offs to loans | 0.4753% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.6451% | 3,799 |
| Efficiency ratio | 75.8445% | 2,799 |
| Assets per employee ($millions) | 3.2811% | 5,323 |
| Cash dividends to net income (ytd only)* | 52.9016% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,567 |
| Loan loss allowance to noncurrent loans | 161.6287% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 3,820 |
| Noncurrent loans to loans | 0.8765% | 3,791 |
| Net loans and leases to total assets | 60.4817% | 3,631 |
| Net loans and leases to deposits | 75.4000% | 3,046 |
| Net loans and leases to core deposits | 77.0220% | 3,484 |
| Total domestic deposits to total assets | 80.2144% | 5,393 |
| Equity capital to assets | 10.5181% | 3,131 |
| Core capital (leverage) ratio | 10.0137% | 3,548 |
| Tier 1 risk-based capital ratio | 14.6123% | 3,892 |
| Total risk-based capital ratio | 15.8639% | 3,834 |
| Memoranda: | ||
| Average total assets | $290,037,600 | 2,210 |
| Average earning assets | $257,988,400 | 2,262 |
| Average equity | $29,758,400 | 2,268 |
| Average total loans | $172,517,400 | 2,277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,691 |
| Cost of funding earning assets | 0.3274% | 5,488 |
| Net interest margin | 4.0421% | 1,814 |
| Noninterest income to average assets | 0.6905% | 2,659 |
| Noninterest expense to average assets | 3.1947% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7033% | 3,844 |
| Return on assets (ROA) | 0.7033% | 3,977 |
| Pretax return on assets | 1.0907% | 3,153 |
| Return on Equity (ROE) | 6.8974% | 3,713 |
| Retained earnings to average equity (ytd only) | 2.9907% | 4,536 |
| Net charge-offs to loans | 0.0109% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 170.1082% | 327 |
| Efficiency ratio | 74.5486% | 2,979 |
| Assets per employee ($millions) | 3.3663% | 5,138 |
| Cash dividends to net income (ytd only)* | 56.6405% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,050 |
| Loan loss allowance to noncurrent loans | 124.5076% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 3,145 |
| Noncurrent loans to loans | 1.5125% | 2,900 |
| Net loans and leases to total assets | 59.1561% | 3,828 |
| Net loans and leases to deposits | 71.7244% | 3,544 |
| Net loans and leases to core deposits | 73.3394% | 3,928 |
| Total domestic deposits to total assets | 82.4770% | 4,775 |
| Equity capital to assets | 10.3126% | 3,494 |
| Core capital (leverage) ratio | 9.9276% | 3,778 |
| Tier 1 risk-based capital ratio | 14.5510% | 4,046 |
| Total risk-based capital ratio | 15.8080% | 3,993 |
| Memoranda: | ||
| Average total assets | $291,182,000 | 2,210 |
| Average earning assets | $258,970,500 | 2,262 |
| Average equity | $29,691,750 | 2,290 |
| Average total loans | $171,863,750 | 2,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,823 |
| Cost of funding earning assets | 0.3483% | 5,421 |
| Net interest margin | 3.9843% | 1,919 |
| Noninterest income to average assets | 0.6718% | 2,781 |
| Noninterest expense to average assets | 3.1658% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6773% | 3,920 |
| Return on assets (ROA) | 0.6773% | 4,081 |
| Pretax return on assets | 1.0502% | 3,293 |
| Return on Equity (ROE) | 6.6673% | 3,796 |
| Retained earnings to average equity (ytd only) | 0.7963% | 5,579 |
| Net charge-offs to loans | 0.0433% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 41.4054% | 912 |
| Efficiency ratio | 75.0894% | 2,932 |
| Assets per employee ($millions) | 3.3530% | 5,164 |
| Cash dividends to net income (ytd only)* | 88.0567% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,094 |
| Loan loss allowance to noncurrent loans | 123.7770% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 3,203 |
| Noncurrent loans to loans | 1.5411% | 2,991 |
| Net loans and leases to total assets | 58.2072% | 3,952 |
| Net loans and leases to deposits | 70.1525% | 3,702 |
| Net loans and leases to core deposits | 71.9845% | 4,041 |
| Total domestic deposits to total assets | 82.9724% | 4,703 |
| Equity capital to assets | 10.1926% | 3,667 |
| Core capital (leverage) ratio | 9.7281% | 3,898 |
| Tier 1 risk-based capital ratio | 14.5836% | 4,042 |
| Total risk-based capital ratio | 15.8410% | 4,003 |
| Memoranda: | ||
| Average total assets | $291,742,670 | 2,212 |
| Average earning assets | $259,519,670 | 2,268 |
| Average equity | $29,637,330 | 2,302 |
| Average total loans | $170,970,330 | 2,303 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,747 |
| Cost of funding earning assets | 0.3800% | 5,287 |
| Net interest margin | 3.9550% | 1,936 |
| Noninterest income to average assets | 0.6543% | 2,855 |
| Noninterest expense to average assets | 3.1612% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6407% | 4,013 |
| Return on assets (ROA) | 0.6407% | 4,176 |
| Pretax return on assets | 1.0115% | 3,299 |
| Return on Equity (ROE) | 6.3171% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.9569% | 4,507 |
| Net charge-offs to loans | 0.0281% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 61.8333% | 581 |
| Efficiency ratio | 75.7596% | 2,962 |
| Assets per employee ($millions) | 3.4012% | 5,199 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,231 |
| Loan loss allowance to noncurrent loans | 126.1603% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 3,338 |
| Noncurrent loans to loans | 1.5260% | 3,259 |
| Net loans and leases to total assets | 57.2819% | 3,870 |
| Net loans and leases to deposits | 68.5980% | 3,691 |
| Net loans and leases to core deposits | 70.5818% | 3,996 |
| Total domestic deposits to total assets | 83.5036% | 4,667 |
| Equity capital to assets | 10.1812% | 3,922 |
| Core capital (leverage) ratio | 9.7130% | 3,778 |
| Tier 1 risk-based capital ratio | 14.5718% | 4,125 |
| Total risk-based capital ratio | 15.8293% | 4,084 |
| Memoranda: | ||
| Average total assets | $293,436,000 | 2,229 |
| Average earning assets | $261,037,000 | 2,283 |
| Average equity | $29,760,500 | 2,315 |
| Average total loans | $170,901,500 | 2,313 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 2,302 |
| Cost of funding earning assets | 0.5183% | 5,084 |
| Net interest margin | 4.2554% | 1,508 |
| Noninterest income to average assets | 0.6675% | 2,893 |
| Noninterest expense to average assets | 3.1815% | 2,678 |
| Loan and lease loss provision to assets | 0.1797% | 3,381 |
| Net operating income to assets | 0.7013% | 3,733 |
| Return on assets (ROA) | 0.7013% | 3,986 |
| Pretax return on assets | 1.0919% | 3,187 |
| Return on Equity (ROE) | 6.9735% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.4142% | 3,125 |
| Net charge-offs to loans | 0.3505% | 2,881 |
| Credit loss provision to net charge-offs | 86.0656% | 3,624 |
| Earnings coverage of net charge-offs (x) | 6.0902% | 2,876 |
| Efficiency ratio | 71.4450% | 3,526 |
| Assets per employee ($millions) | 3.3836% | 5,253 |
| Cash dividends to net income (ytd only)* | 36.7008% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 2,195 |
| Loan loss allowance to noncurrent loans | 124.3315% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 3,263 |
| Noncurrent loans to loans | 1.5530% | 3,292 |
| Net loans and leases to total assets | 56.9564% | 4,126 |
| Net loans and leases to deposits | 70.4807% | 3,641 |
| Net loans and leases to core deposits | 72.7388% | 3,946 |
| Total domestic deposits to total assets | 80.8113% | 5,454 |
| Equity capital to assets | 10.1032% | 4,034 |
| Core capital (leverage) ratio | 9.5143% | 4,084 |
| Tier 1 risk-based capital ratio | 14.6146% | 3,954 |
| Total risk-based capital ratio | 15.8721% | 3,906 |
| Memoranda: | ||
| Average total assets | $292,154,400 | 2,186 |
| Average earning assets | $259,904,800 | 2,244 |
| Average equity | $29,382,600 | 2,289 |
| Average total loans | $174,051,000 | 2,269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 2,237 |
| Cost of funding earning assets | 0.5485% | 5,100 |
| Net interest margin | 4.2920% | 1,493 |
| Noninterest income to average assets | 0.6918% | 2,746 |
| Noninterest expense to average assets | 3.1723% | 2,657 |
| Loan and lease loss provision to assets | 0.2400% | 2,652 |
| Net operating income to assets | 0.7023% | 3,904 |
| Return on assets (ROA) | 0.7023% | 4,145 |
| Pretax return on assets | 1.0974% | 3,362 |
| Return on Equity (ROE) | 6.9913% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.1602% | 3,973 |
| Net charge-offs to loans | 0.4240% | 2,394 |
| Credit loss provision to net charge-offs | 94.4245% | 3,164 |
| Earnings coverage of net charge-offs (x) | 5.2608% | 3,065 |
| Efficiency ratio | 70.3437% | 3,624 |
| Assets per employee ($millions) | 3.5134% | 4,948 |
| Cash dividends to net income (ytd only)* | 40.4946% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 2,206 |
| Loan loss allowance to noncurrent loans | 103.7415% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 3,188 |
| Noncurrent loans to loans | 1.9126% | 2,946 |
| Net loans and leases to total assets | 56.8334% | 4,326 |
| Net loans and leases to deposits | 68.4341% | 4,110 |
| Net loans and leases to core deposits | 71.2104% | 4,350 |
| Total domestic deposits to total assets | 83.0484% | 4,625 |
| Equity capital to assets | 10.1944% | 4,213 |
| Core capital (leverage) ratio | 9.4934% | 4,280 |
| Tier 1 risk-based capital ratio | 14.6644% | 4,075 |
| Total risk-based capital ratio | 15.9229% | 4,034 |
| Memoranda: | ||
| Average total assets | $291,600,250 | 2,219 |
| Average earning assets | $259,389,750 | 2,260 |
| Average equity | $29,293,000 | 2,317 |
| Average total loans | $174,822,750 | 2,289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 2,104 |
| Cost of funding earning assets | 0.5759% | 5,108 |
| Net interest margin | 4.3247% | 1,410 |
| Noninterest income to average assets | 0.6900% | 2,717 |
| Noninterest expense to average assets | 3.1523% | 2,742 |
| Loan and lease loss provision to assets | 0.3086% | 2,140 |
| Net operating income to assets | 0.6900% | 3,916 |
| Return on assets (ROA) | 0.6900% | 4,183 |
| Pretax return on assets | 1.0768% | 3,386 |
| Return on Equity (ROE) | 6.9027% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.2130% | 3,808 |
| Net charge-offs to loans | 0.2625% | 3,006 |
| Credit loss provision to net charge-offs | 193.9655% | 1,458 |
| Earnings coverage of net charge-offs (x) | 8.7069% | 2,254 |
| Efficiency ratio | 69.4680% | 3,856 |
| Assets per employee ($millions) | 3.4778% | 5,032 |
| Cash dividends to net income (ytd only)* | 38.9662% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 2,031 |
| Loan loss allowance to noncurrent loans | 92.2683% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 2,987 |
| Noncurrent loans to loans | 2.2559% | 2,667 |
| Net loans and leases to total assets | 59.4505% | 3,923 |
| Net loans and leases to deposits | 71.5944% | 3,672 |
| Net loans and leases to core deposits | 74.8735% | 3,909 |
| Total domestic deposits to total assets | 83.0378% | 4,743 |
| Equity capital to assets | 10.3204% | 3,913 |
| Core capital (leverage) ratio | 9.4761% | 4,170 |
| Tier 1 risk-based capital ratio | 14.5271% | 4,085 |
| Total risk-based capital ratio | 15.7871% | 4,039 |
| Memoranda: | ||
| Average total assets | $291,596,330 | 2,217 |
| Average earning assets | $259,438,000 | 2,261 |
| Average equity | $29,148,000 | 2,313 |
| Average total loans | $176,734,330 | 2,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 2,396 |
| Cost of funding earning assets | 0.5959% | 5,168 |
| Net interest margin | 4.2640% | 1,578 |
| Noninterest income to average assets | 0.7530% | 2,380 |
| Noninterest expense to average assets | 3.1044% | 2,901 |
| Loan and lease loss provision to assets | 0.3053% | 2,063 |
| Net operating income to assets | 0.7476% | 3,637 |
| Return on assets (ROA) | 0.7476% | 3,872 |
| Pretax return on assets | 1.1397% | 3,163 |
| Return on Equity (ROE) | 7.5984% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.6402% | 3,172 |
| Net charge-offs to loans | -0.1904% | 6,981 |
| Credit loss provision to net charge-offs | -264.7059% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2374% | 4,124 |
| Assets per employee ($millions) | 3.4577% | 5,213 |
| Cash dividends to net income (ytd only)* | 25.7713% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 2,107 |
| Loan loss allowance to noncurrent loans | 93.3805% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 3,126 |
| Noncurrent loans to loans | 2.2472% | 2,863 |
| Net loans and leases to total assets | 58.6686% | 3,928 |
| Net loans and leases to deposits | 70.9044% | 3,603 |
| Net loans and leases to core deposits | 74.3975% | 3,851 |
| Total domestic deposits to total assets | 82.7432% | 5,030 |
| Equity capital to assets | 9.9647% | 4,167 |
| Core capital (leverage) ratio | 9.2540% | 4,440 |
| Tier 1 risk-based capital ratio | 14.1480% | 4,358 |
| Total risk-based capital ratio | 15.4081% | 4,321 |
| Memoranda: | ||
| Average total assets | $294,803,500 | 2,205 |
| Average earning assets | $262,475,500 | 2,258 |
| Average equity | $29,006,000 | 2,321 |
| Average total loans | $178,528,500 | 2,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 1,738 |
| Cost of funding earning assets | 0.7887% | 4,947 |
| Net interest margin | 4.4995% | 1,134 |
| Noninterest income to average assets | 0.5881% | 3,232 |
| Noninterest expense to average assets | 3.4525% | 2,114 |
| Loan and lease loss provision to assets | 0.6746% | 1,517 |
| Net operating income to assets | 0.3477% | 5,079 |
| Return on assets (ROA) | 0.3635% | 5,184 |
| Pretax return on assets | 0.5395% | 4,875 |
| Return on Equity (ROE) | 3.9922% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.0771% | 4,736 |
| Net charge-offs to loans | 1.2792% | 1,295 |
| Credit loss provision to net charge-offs | 84.3252% | 4,267 |
| Earnings coverage of net charge-offs (x) | 1.4883% | 4,653 |
| Efficiency ratio | 74.3573% | 3,162 |
| Assets per employee ($millions) | 3.2856% | 5,541 |
| Cash dividends to net income (ytd only)* | 47.9705% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 2,653 |
| Loan loss allowance to noncurrent loans | 94.8725% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.7940% | 3,258 |
| Noncurrent loans to loans | 1.9726% | 3,244 |
| Net loans and leases to total assets | 60.0419% | 3,980 |
| Net loans and leases to deposits | 72.9895% | 3,669 |
| Net loans and leases to core deposits | 77.2881% | 3,785 |
| Total domestic deposits to total assets | 82.2611% | 5,042 |
| Equity capital to assets | 9.7142% | 4,575 |
| Core capital (leverage) ratio | 9.0167% | 4,754 |
| Tier 1 risk-based capital ratio | 13.7198% | 4,542 |
| Total risk-based capital ratio | 14.9777% | 4,500 |
| Memoranda: | ||
| Average total assets | $298,245,600 | 2,151 |
| Average earning assets | $268,786,400 | 2,178 |
| Average equity | $27,153,200 | 2,388 |
| Average total loans | $186,523,200 | 2,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 1,735 |
| Cost of funding earning assets | 0.8329% | 4,918 |
| Net interest margin | 4.5024% | 1,148 |
| Noninterest income to average assets | 0.6085% | 3,116 |
| Noninterest expense to average assets | 3.3716% | 2,275 |
| Loan and lease loss provision to assets | 0.7142% | 1,343 |
| Net operating income to assets | 0.3984% | 5,014 |
| Return on assets (ROA) | 0.4193% | 5,101 |
| Pretax return on assets | 0.6219% | 4,736 |
| Return on Equity (ROE) | 4.6834% | 4,675 |
| Retained earnings to average equity (ytd only) | 2.5410% | 4,844 |
| Net charge-offs to loans | 1.2700% | 1,223 |
| Credit loss provision to net charge-offs | 89.4413% | 3,789 |
| Earnings coverage of net charge-offs (x) | 1.6341% | 4,419 |
| Efficiency ratio | 72.0977% | 3,536 |
| Assets per employee ($millions) | 3.1345% | 5,828 |
| Cash dividends to net income (ytd only)* | 45.7448% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 2,509 |
| Loan loss allowance to noncurrent loans | 104.7829% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 3,311 |
| Noncurrent loans to loans | 1.8492% | 3,566 |
| Net loans and leases to total assets | 60.6902% | 4,008 |
| Net loans and leases to deposits | 72.3160% | 3,940 |
| Net loans and leases to core deposits | 77.0220% | 4,043 |
| Total domestic deposits to total assets | 83.9236% | 4,266 |
| Equity capital to assets | 9.2102% | 5,498 |
| Core capital (leverage) ratio | 8.5615% | 5,613 |
| Tier 1 risk-based capital ratio | 12.8724% | 5,188 |
| Total risk-based capital ratio | 14.1310% | 5,159 |
| Memoranda: | ||
| Average total assets | $298,882,000 | 2,151 |
| Average earning assets | $270,042,250 | 2,176 |
| Average equity | $26,760,250 | 2,417 |
| Average total loans | $187,921,500 | 2,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 1,652 |
| Cost of funding earning assets | 0.8802% | 4,827 |
| Net interest margin | 4.4897% | 1,158 |
| Noninterest income to average assets | 0.5728% | 3,314 |
| Noninterest expense to average assets | 3.3838% | 2,307 |
| Loan and lease loss provision to assets | 0.9196% | 973 |
| Net operating income to assets | 0.2386% | 5,599 |
| Return on assets (ROA) | 0.2386% | 5,719 |
| Pretax return on assets | 0.3295% | 5,600 |
| Return on Equity (ROE) | 2.6904% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.4296% | 5,673 |
| Net charge-offs to loans | 1.5164% | 973 |
| Credit loss provision to net charge-offs | 95.9554% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.3033% | 4,306 |
| Efficiency ratio | 73.0381% | 3,536 |
| Assets per employee ($millions) | 3.1672% | 5,705 |
| Cash dividends to net income (ytd only)* | 84.0336% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,410 |
| Loan loss allowance to noncurrent loans | 91.1823% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 2.0007% | 3,232 |
| Noncurrent loans to loans | 2.1786% | 3,245 |
| Net loans and leases to total assets | 62.0124% | 3,884 |
| Net loans and leases to deposits | 76.3796% | 3,402 |
| Net loans and leases to core deposits | 80.1920% | 3,755 |
| Total domestic deposits to total assets | 81.1897% | 5,463 |
| Equity capital to assets | 9.1806% | 5,308 |
| Core capital (leverage) ratio | 8.3746% | 5,745 |
| Tier 1 risk-based capital ratio | 12.4485% | 5,396 |
| Total risk-based capital ratio | 13.7076% | 5,364 |
| Memoranda: | ||
| Average total assets | $299,250,000 | 2,154 |
| Average earning assets | $270,617,670 | 2,177 |
| Average equity | $26,538,330 | 2,419 |
| Average total loans | $189,131,000 | 2,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,904 |
| Cost of funding earning assets | 0.9306% | 4,716 |
| Net interest margin | 4.3570% | 1,405 |
| Noninterest income to average assets | 0.4960% | 3,924 |
| Noninterest expense to average assets | 3.2546% | 2,694 |
| Loan and lease loss provision to assets | 1.5265% | 413 |
| Net operating income to assets | -0.1074% | 6,465 |
| Return on assets (ROA) | -0.1074% | 6,484 |
| Pretax return on assets | -0.3422% | 6,646 |
| Return on Equity (ROE) | -1.2325% | 6,514 |
| Retained earnings to average equity (ytd only) | -5.7975% | 6,579 |
| Net charge-offs to loans | 2.3704% | 502 |
| Credit loss provision to net charge-offs | 101.9486% | 2,595 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 4,048 |
| Efficiency ratio | 73.3194% | 3,634 |
| Assets per employee ($millions) | 3.2737% | 5,543 |
| Cash dividends to net income (ytd only)* | -370.3704% | 7,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 2,338 |
| Loan loss allowance to noncurrent loans | 62.4298% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.2316% | 3,028 |
| Noncurrent loans to loans | 3.2454% | 2,316 |
| Net loans and leases to total assets | 61.3902% | 3,990 |
| Net loans and leases to deposits | 73.5691% | 3,832 |
| Net loans and leases to core deposits | 77.0960% | 4,151 |
| Total domestic deposits to total assets | 83.4457% | 4,722 |
| Equity capital to assets | 8.7582% | 5,563 |
| Core capital (leverage) ratio | 8.1245% | 6,089 |
| Tier 1 risk-based capital ratio | 12.2413% | 5,483 |
| Total risk-based capital ratio | 13.5013% | 5,472 |
| Memoranda: | ||
| Average total assets | $301,602,000 | 2,153 |
| Average earning assets | $272,941,000 | 2,176 |
| Average equity | $26,287,000 | 2,430 |
| Average total loans | $190,518,000 | 2,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7545% | 1,389 |
| Cost of funding earning assets | 1.1960% | 4,585 |
| Net interest margin | 4.5585% | 1,111 |
| Noninterest income to average assets | 0.7974% | 2,302 |
| Noninterest expense to average assets | 3.5033% | 2,162 |
| Loan and lease loss provision to assets | 0.3300% | 4,174 |
| Net operating income to assets | 0.6651% | 3,368 |
| Return on assets (ROA) | 0.6651% | 3,508 |
| Pretax return on assets | 1.0638% | 2,717 |
| Return on Equity (ROE) | 7.5948% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.4415% | 2,750 |
| Net charge-offs to loans | 0.0834% | 5,997 |
| Credit loss provision to net charge-offs | 590.3614% | 369 |
| Earnings coverage of net charge-offs (x) | 24.9337% | 846 |
| Efficiency ratio | 71.4070% | 3,908 |
| Assets per employee ($millions) | 3.3185% | 5,392 |
| Cash dividends to net income (ytd only)* | 41.5190% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 2,457 |
| Loan loss allowance to noncurrent loans | 83.1858% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 3,637 |
| Noncurrent loans to loans | 2.3255% | 3,195 |
| Net loans and leases to total assets | 62.4337% | 4,192 |
| Net loans and leases to deposits | 75.7203% | 3,883 |
| Net loans and leases to core deposits | 80.1091% | 4,196 |
| Total domestic deposits to total assets | 82.4530% | 5,036 |
| Equity capital to assets | 8.6744% | 5,618 |
| Core capital (leverage) ratio | 8.0267% | 6,159 |
| Tier 1 risk-based capital ratio | 12.0053% | 5,466 |
| Total risk-based capital ratio | 13.2643% | 5,443 |
| Memoranda: | ||
| Average total assets | $296,950,400 | 2,167 |
| Average earning assets | $267,061,800 | 2,205 |
| Average equity | $26,004,800 | 2,457 |
| Average total loans | $199,082,600 | 2,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 1,434 |
| Cost of funding earning assets | 1.2255% | 4,709 |
| Net interest margin | 4.5619% | 1,127 |
| Noninterest income to average assets | 0.8234% | 2,113 |
| Noninterest expense to average assets | 3.5229% | 1,983 |
| Loan and lease loss provision to assets | 0.1809% | 5,237 |
| Net operating income to assets | 0.7484% | 3,218 |
| Return on assets (ROA) | 0.7484% | 3,381 |
| Pretax return on assets | 1.2132% | 2,442 |
| Return on Equity (ROE) | 8.5246% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.1250% | 2,899 |
| Net charge-offs to loans | -0.0360% | 7,426 |
| Credit loss provision to net charge-offs | -740.7407% | 7,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4732% | 3,806 |
| Assets per employee ($millions) | 3.2637% | 5,553 |
| Cash dividends to net income (ytd only)* | 39.8793% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 3,076 |
| Loan loss allowance to noncurrent loans | 98.2091% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 4,452 |
| Noncurrent loans to loans | 1.7580% | 4,004 |
| Net loans and leases to total assets | 63.7608% | 4,171 |
| Net loans and leases to deposits | 76.6378% | 4,063 |
| Net loans and leases to core deposits | 81.4865% | 4,322 |
| Total domestic deposits to total assets | 83.1976% | 4,505 |
| Equity capital to assets | 8.8168% | 5,835 |
| Core capital (leverage) ratio | 8.1553% | 6,108 |
| Tier 1 risk-based capital ratio | 11.6229% | 5,814 |
| Total risk-based capital ratio | 12.8791% | 5,791 |
| Memoranda: | ||
| Average total assets | $294,863,000 | 2,219 |
| Average earning assets | $264,590,750 | 2,254 |
| Average equity | $25,885,250 | 2,506 |
| Average total loans | $200,260,750 | 2,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 1,323 |
| Cost of funding earning assets | 1.2392% | 4,898 |
| Net interest margin | 4.5986% | 997 |
| Noninterest income to average assets | 0.8254% | 1,995 |
| Noninterest expense to average assets | 3.6674% | 1,631 |
| Loan and lease loss provision to assets | 0.1712% | 5,153 |
| Net operating income to assets | 0.6754% | 3,510 |
| Return on assets (ROA) | 0.6754% | 3,656 |
| Pretax return on assets | 1.1097% | 2,756 |
| Return on Equity (ROE) | 7.7051% | 3,015 |
| Retained earnings to average equity (ytd only) | 3.7979% | 3,676 |
| Net charge-offs to loans | -0.1390% | 7,599 |
| Credit loss provision to net charge-offs | -178.5714% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8649% | 3,498 |
| Assets per employee ($millions) | 3.1188% | 5,866 |
| Cash dividends to net income (ytd only)* | 50.7099% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 3,195 |
| Loan loss allowance to noncurrent loans | 98.6107% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 3,976 |
| Noncurrent loans to loans | 1.6920% | 4,151 |
| Net loans and leases to total assets | 67.0651% | 3,606 |
| Net loans and leases to deposits | 79.2696% | 3,743 |
| Net loans and leases to core deposits | 85.3175% | 3,931 |
| Total domestic deposits to total assets | 84.6038% | 3,817 |
| Equity capital to assets | 8.9292% | 5,560 |
| Core capital (leverage) ratio | 8.1633% | 6,014 |
| Tier 1 risk-based capital ratio | 11.1488% | 6,096 |
| Total risk-based capital ratio | 12.4039% | 6,080 |
| Memoranda: | ||
| Average total assets | $291,976,670 | 2,255 |
| Average earning assets | $261,775,000 | 2,290 |
| Average equity | $25,593,330 | 2,528 |
| Average total loans | $201,371,670 | 2,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 1,599 |
| Cost of funding earning assets | 1.2584% | 5,071 |
| Net interest margin | 4.5003% | 1,145 |
| Noninterest income to average assets | 0.7427% | 2,344 |
| Noninterest expense to average assets | 3.6392% | 1,643 |
| Loan and lease loss provision to assets | 0.1373% | 5,189 |
| Net operating income to assets | 0.6246% | 3,780 |
| Return on assets (ROA) | 0.6246% | 3,912 |
| Pretax return on assets | 0.9870% | 3,138 |
| Return on Equity (ROE) | 7.1932% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.6123% | 2,811 |
| Net charge-offs to loans | -0.1861% | 7,656 |
| Credit loss provision to net charge-offs | -106.3830% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9942% | 3,217 |
| Assets per employee ($millions) | 3.0549% | 6,094 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,573 |
| Loan loss allowance to noncurrent loans | 99.8728% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 4,131 |
| Noncurrent loans to loans | 1.5726% | 4,384 |
| Net loans and leases to total assets | 66.4091% | 3,772 |
| Net loans and leases to deposits | 77.9150% | 4,060 |
| Net loans and leases to core deposits | 83.8579% | 4,220 |
| Total domestic deposits to total assets | 85.2327% | 3,552 |
| Equity capital to assets | 8.6017% | 5,869 |
| Core capital (leverage) ratio | 8.2540% | 5,828 |
| Tier 1 risk-based capital ratio | 11.0829% | 6,084 |
| Total risk-based capital ratio | 12.3368% | 6,047 |
| Memoranda: | ||
| Average total assets | $291,383,500 | 2,304 |
| Average earning assets | $260,338,500 | 2,351 |
| Average equity | $25,301,500 | 2,578 |
| Average total loans | $202,084,500 | 2,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4263% | 779 |
| Cost of funding earning assets | 1.4737% | 5,620 |
| Net interest margin | 4.9526% | 494 |
| Noninterest income to average assets | 0.8386% | 2,234 |
| Noninterest expense to average assets | 3.8620% | 1,563 |
| Loan and lease loss provision to assets | 0.6366% | 3,256 |
| Net operating income to assets | 0.4850% | 3,795 |
| Return on assets (ROA) | 0.4850% | 3,890 |
| Pretax return on assets | 0.7575% | 3,386 |
| Return on Equity (ROE) | 5.5019% | 3,424 |
| Retained earnings to average equity (ytd only) | 0.6438% | 4,544 |
| Net charge-offs to loans | 0.8262% | 2,761 |
| Credit loss provision to net charge-offs | 101.7465% | 5,426 |
| Earnings coverage of net charge-offs (x) | 2.2282% | 4,050 |
| Efficiency ratio | 73.1004% | 4,072 |
| Assets per employee ($millions) | 2.8083% | 6,643 |
| Cash dividends to net income (ytd only)* | 88.2994% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,022 |
| Loan loss allowance to noncurrent loans | 88.9761% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7337% | 3,770 |
| Noncurrent loans to loans | 1.6211% | 4,216 |
| Net loans and leases to total assets | 70.2747% | 3,190 |
| Net loans and leases to deposits | 83.4357% | 3,370 |
| Net loans and leases to core deposits | 100.4556% | 3,949 |
| Total domestic deposits to total assets | 84.2262% | 3,931 |
| Equity capital to assets | 8.7675% | 5,485 |
| Core capital (leverage) ratio | 8.3291% | 5,558 |
| Tier 1 risk-based capital ratio | 10.8568% | 6,058 |
| Total risk-based capital ratio | 12.1096% | 6,022 |
| Memoranda: | ||
| Average total assets | $283,689,400 | 2,322 |
| Average earning assets | $253,038,200 | 2,379 |
| Average equity | $25,009,400 | 2,608 |
| Average total loans | $214,850,600 | 2,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5357% | 696 |
| Cost of funding earning assets | 1.5320% | 5,706 |
| Net interest margin | 5.0037% | 436 |
| Noninterest income to average assets | 0.8249% | 2,315 |
| Noninterest expense to average assets | 3.9221% | 1,398 |
| Loan and lease loss provision to assets | 0.5682% | 3,114 |
| Net operating income to assets | 0.4999% | 3,985 |
| Return on assets (ROA) | 0.4999% | 4,075 |
| Pretax return on assets | 0.7986% | 3,546 |
| Return on Equity (ROE) | 5.6623% | 3,665 |
| Retained earnings to average equity (ytd only) | 0.5657% | 4,970 |
| Net charge-offs to loans | 0.7994% | 2,364 |
| Credit loss provision to net charge-offs | 92.4847% | 5,417 |
| Earnings coverage of net charge-offs (x) | 2.2247% | 4,151 |
| Efficiency ratio | 73.7841% | 3,898 |
| Assets per employee ($millions) | 2.9415% | 6,300 |
| Cash dividends to net income (ytd only)* | 90.0094% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,213 |
| Loan loss allowance to noncurrent loans | 65.0728% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7208% | 3,790 |
| Noncurrent loans to loans | 2.0727% | 3,535 |
| Net loans and leases to total assets | 72.2118% | 2,982 |
| Net loans and leases to deposits | 87.2067% | 3,108 |
| Net loans and leases to core deposits | 102.8919% | 4,064 |
| Total domestic deposits to total assets | 82.8053% | 4,319 |
| Equity capital to assets | 8.7910% | 5,816 |
| Core capital (leverage) ratio | 8.3649% | 5,723 |
| Tier 1 risk-based capital ratio | 10.6816% | 6,264 |
| Total risk-based capital ratio | 11.9333% | 6,241 |
| Memoranda: | ||
| Average total assets | $283,001,000 | 2,341 |
| Average earning assets | $252,472,500 | 2,400 |
| Average equity | $24,983,250 | 2,643 |
| Average total loans | $217,502,500 | 2,149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6547% | 594 |
| Cost of funding earning assets | 1.5982% | 5,754 |
| Net interest margin | 5.0565% | 380 |
| Noninterest income to average assets | 0.9843% | 1,650 |
| Noninterest expense to average assets | 3.9529% | 1,392 |
| Loan and lease loss provision to assets | 0.5712% | 2,725 |
| Net operating income to assets | 0.5839% | 3,751 |
| Return on assets (ROA) | 0.5839% | 3,858 |
| Pretax return on assets | 0.9623% | 3,139 |
| Return on Equity (ROE) | 6.6052% | 3,389 |
| Retained earnings to average equity (ytd only) | 1.9158% | 4,278 |
| Net charge-offs to loans | 0.9964% | 1,769 |
| Credit loss provision to net charge-offs | 73.4062% | 5,357 |
| Earnings coverage of net charge-offs (x) | 1.9709% | 4,106 |
| Efficiency ratio | 71.6869% | 4,474 |
| Assets per employee ($millions) | 2.9153% | 6,339 |
| Cash dividends to net income (ytd only)* | 70.9951% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,865 |
| Loan loss allowance to noncurrent loans | 79.7749% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 4,249 |
| Noncurrent loans to loans | 1.5167% | 4,219 |
| Net loans and leases to total assets | 76.5234% | 2,050 |
| Net loans and leases to deposits | 90.1083% | 2,820 |
| Net loans and leases to core deposits | 104.6101% | 3,998 |
| Total domestic deposits to total assets | 84.9239% | 3,301 |
| Equity capital to assets | 8.9636% | 5,368 |
| Core capital (leverage) ratio | 8.4027% | 5,610 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,554 |
| Total risk-based capital ratio | 11.5875% | 6,488 |
| Memoranda: | ||
| Average total assets | $282,226,000 | 2,362 |
| Average earning assets | $251,282,670 | 2,430 |
| Average equity | $24,950,000 | 2,644 |
| Average total loans | $220,384,670 | 2,153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6250% | 678 |
| Cost of funding earning assets | 1.6186% | 5,952 |
| Net interest margin | 5.0064% | 395 |
| Noninterest income to average assets | 0.9386% | 1,700 |
| Noninterest expense to average assets | 4.3076% | 847 |
| Loan and lease loss provision to assets | 0.1694% | 4,776 |
| Net operating income to assets | 0.5843% | 4,085 |
| Return on assets (ROA) | 0.5843% | 4,276 |
| Pretax return on assets | 0.9231% | 3,631 |
| Return on Equity (ROE) | 6.6554% | 3,738 |
| Retained earnings to average equity (ytd only) | 1.4308% | 5,056 |
| Net charge-offs to loans | 1.2746% | 1,101 |
| Credit loss provision to net charge-offs | 16.9492% | 5,113 |
| Earnings coverage of net charge-offs (x) | 1.0932% | 4,209 |
| Efficiency ratio | 79.4041% | 2,927 |
| Assets per employee ($millions) | 2.5103% | 7,258 |
| Cash dividends to net income (ytd only)* | 78.5024% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 5,757 |
| Loan loss allowance to noncurrent loans | 69.0914% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 4,272 |
| Noncurrent loans to loans | 1.5329% | 3,982 |
| Net loans and leases to total assets | 77.3182% | 1,968 |
| Net loans and leases to deposits | 91.0151% | 2,774 |
| Net loans and leases to core deposits | 105.0768% | 4,019 |
| Total domestic deposits to total assets | 84.9510% | 3,231 |
| Equity capital to assets | 8.8819% | 5,509 |
| Core capital (leverage) ratio | 8.2340% | 6,024 |
| Tier 1 risk-based capital ratio | 10.0734% | 6,834 |
| Total risk-based capital ratio | 11.2329% | 6,848 |
| Memoranda: | ||
| Average total assets | $283,406,000 | 2,372 |
| Average earning assets | $252,557,500 | 2,427 |
| Average equity | $24,882,000 | 2,665 |
| Average total loans | $222,184,000 | 2,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2165% | 711 |
| Cost of funding earning assets | 1.9689% | 6,513 |
| Net interest margin | 5.2476% | 310 |
| Noninterest income to average assets | 1.1815% | 1,095 |
| Noninterest expense to average assets | 4.6965% | 766 |
| Loan and lease loss provision to assets | 0.2001% | 4,895 |
| Net operating income to assets | 0.5902% | 4,349 |
| Return on assets (ROA) | 0.6051% | 4,141 |
| Pretax return on assets | 0.9432% | 3,577 |
| Return on Equity (ROE) | 6.8449% | 3,606 |
| Retained earnings to average equity (ytd only) | 0.9825% | 4,642 |
| Net charge-offs to loans | 0.0641% | 5,858 |
| Credit loss provision to net charge-offs | 402.8777% | 1,088 |
| Earnings coverage of net charge-offs (x) | 22.5468% | 1,468 |
| Efficiency ratio | 80.2335% | 2,562 |
| Assets per employee ($millions) | 2.4005% | 7,396 |
| Cash dividends to net income (ytd only)* | 85.6468% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 3,800 |
| Loan loss allowance to noncurrent loans | 87.9071% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 3,946 |
| Noncurrent loans to loans | 1.4760% | 3,587 |
| Net loans and leases to total assets | 77.6253% | 2,229 |
| Net loans and leases to deposits | 94.8162% | 2,644 |
| Net loans and leases to core deposits | 109.0408% | 3,864 |
| Total domestic deposits to total assets | 81.8692% | 4,252 |
| Equity capital to assets | 8.6789% | 5,840 |
| Core capital (leverage) ratio | 8.1896% | 6,184 |
| Tier 1 risk-based capital ratio | 9.7719% | 6,985 |
| Total risk-based capital ratio | 11.0235% | 6,876 |
| Memoranda: | ||
| Average total assets | $279,802,000 | 2,315 |
| Average earning assets | $247,143,400 | 2,395 |
| Average equity | $24,733,600 | 2,663 |
| Average total loans | $216,791,600 | 2,161 |