Home > First National Bank Baird > Performance and Condition Ratios
First National Bank Baird, Performance and Condition Ratios
| 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 | 5.2165% | 330 |
| Cost of funding earning assets | 0.5717% | 2,498 |
| Net interest margin | 4.6448% | 243 |
| Noninterest income to average assets | 0.6639% | 1,974 |
| Noninterest expense to average assets | 3.4138% | 779 |
| Loan and lease loss provision to assets | 0.1944% | 2,012 |
| Net operating income to assets | 1.0634% | 2,053 |
| Return on assets (ROA) | 1.0749% | 2,150 |
| Pretax return on assets | 1.3551% | 1,800 |
| Return on Equity (ROE) | 12.0348% | 1,310 |
| Retained earnings to average equity (ytd only) | 8.0783% | 1,032 |
| Net charge-offs to loans | 0.0837% | 1,627 |
| Credit loss provision to net charge-offs | 295.8861% | 1,755 |
| Earnings coverage of net charge-offs (x) | 23.3671% | 1,805 |
| Efficiency ratio | 68.9839% | 2,098 |
| Assets per employee ($millions) | 4.0219% | 4,360 |
| Cash dividends to net income (ytd only)* | 32.8757% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,668 |
| Loan loss allowance to noncurrent loans | 58.6212% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 480 |
| Noncurrent loans to loans | 1.7976% | 694 |
| Net loans and leases to total assets | 81.2575% | 347 |
| Net loans and leases to deposits | 90.0774% | 924 |
| Net loans and leases to core deposits | 94.9089% | 1,185 |
| Total domestic deposits to total assets | 90.2086% | 481 |
| Equity capital to assets | 9.5590% | 3,552 |
| Core capital (leverage) ratio | 9.5276% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1160% | 2,196 |
| Memoranda: | ||
| Average total assets | $481,078,400 | 1,605 |
| Average earning assets | $443,783,600 | 1,609 |
| Average equity | $42,967,200 | 1,907 |
| Average total loans | $377,666,400 | 1,426 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 472 |
| Cost of funding earning assets | 0.5833% | 2,721 |
| Net interest margin | 4.5471% | 341 |
| Noninterest income to average assets | 0.6436% | 2,007 |
| Noninterest expense to average assets | 3.4430% | 763 |
| Loan and lease loss provision to assets | 0.2169% | 1,852 |
| Net operating income to assets | 0.9422% | 2,555 |
| Return on assets (ROA) | 0.9422% | 2,682 |
| Pretax return on assets | 1.1869% | 2,434 |
| Return on Equity (ROE) | 10.7343% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.3845% | 2,384 |
| Net charge-offs to loans | 0.0687% | 1,634 |
| Credit loss provision to net charge-offs | 406.7358% | 1,449 |
| Earnings coverage of net charge-offs (x) | 26.3316% | 1,697 |
| Efficiency ratio | 71.0378% | 1,747 |
| Assets per employee ($millions) | 4.2717% | 4,069 |
| Cash dividends to net income (ytd only)* | 49.8388% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,647 |
| Loan loss allowance to noncurrent loans | 104.4279% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 1,381 |
| Noncurrent loans to loans | 0.9698% | 1,544 |
| Net loans and leases to total assets | 75.8965% | 1,110 |
| Net loans and leases to deposits | 94.4346% | 893 |
| Net loans and leases to core deposits | 99.2775% | 1,216 |
| Total domestic deposits to total assets | 80.3693% | 3,789 |
| Equity capital to assets | 8.3068% | 4,572 |
| Core capital (leverage) ratio | 9.3081% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8794% | 2,255 |
| Memoranda: | ||
| Average total assets | $482,703,000 | 1,575 |
| Average earning assets | $446,194,000 | 1,590 |
| Average equity | $42,367,750 | 1,913 |
| Average total loans | $374,648,250 | 1,428 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 524 |
| Cost of funding earning assets | 0.6029% | 2,947 |
| Net interest margin | 4.6416% | 386 |
| Noninterest income to average assets | 0.6643% | 1,884 |
| Noninterest expense to average assets | 3.6122% | 641 |
| Loan and lease loss provision to assets | 0.2839% | 1,513 |
| Net operating income to assets | 0.8385% | 2,905 |
| Return on assets (ROA) | 0.8385% | 3,022 |
| Pretax return on assets | 1.0575% | 2,846 |
| Return on Equity (ROE) | 9.3653% | 2,217 |
| Retained earnings to average equity (ytd only) | 1.2589% | 4,025 |
| Net charge-offs to loans | 0.0263% | 2,193 |
| Credit loss provision to net charge-offs | 1,385.4167% | 637 |
| Earnings coverage of net charge-offs (x) | 65.4583% | 914 |
| Efficiency ratio | 72.9208% | 1,578 |
| Assets per employee ($millions) | 4.3582% | 3,945 |
| Cash dividends to net income (ytd only)* | 86.5580% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,306 |
| Loan loss allowance to noncurrent loans | 73.8661% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 1,110 |
| Noncurrent loans to loans | 1.4263% | 1,082 |
| Net loans and leases to total assets | 72.4881% | 1,626 |
| Net loans and leases to deposits | 89.6860% | 1,381 |
| Net loans and leases to core deposits | 94.0549% | 1,732 |
| Total domestic deposits to total assets | 80.8243% | 3,650 |
| Equity capital to assets | 7.9375% | 4,750 |
| Core capital (leverage) ratio | 8.8312% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6480% | 2,339 |
| Memoranda: | ||
| Average total assets | $468,466,333 | 1,593 |
| Average earning assets | $432,911,333 | 1,603 |
| Average equity | $41,942,000 | 1,922 |
| Average total loans | $365,247,667 | 1,445 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 366 |
| Cost of funding earning assets | 0.6365% | 3,242 |
| Net interest margin | 4.8826% | 239 |
| Noninterest income to average assets | 0.6675% | 1,776 |
| Noninterest expense to average assets | 3.9858% | 515 |
| Loan and lease loss provision to assets | 0.2106% | 1,452 |
| Net operating income to assets | 0.7664% | 3,032 |
| Return on assets (ROA) | 0.7664% | 3,110 |
| Pretax return on assets | 0.9596% | 2,963 |
| Return on Equity (ROE) | 8.0075% | 2,517 |
| Retained earnings to average equity (ytd only) | -1.5594% | 4,205 |
| Net charge-offs to loans | 0.0634% | 1,380 |
| Credit loss provision to net charge-offs | 410.7143% | 984 |
| Earnings coverage of net charge-offs (x) | 22.8214% | 1,345 |
| Efficiency ratio | 77.3042% | 1,423 |
| Assets per employee ($millions) | 3.7142% | 4,259 |
| Cash dividends to net income (ytd only)* | 119.4743% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,557 |
| Loan loss allowance to noncurrent loans | 62.1140% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 888 |
| Noncurrent loans to loans | 1.6559% | 930 |
| Net loans and leases to total assets | 77.1114% | 1,115 |
| Net loans and leases to deposits | 93.6275% | 1,110 |
| Net loans and leases to core deposits | 99.0354% | 1,549 |
| Total domestic deposits to total assets | 82.3598% | 3,312 |
| Equity capital to assets | 9.1511% | 4,505 |
| Core capital (leverage) ratio | 9.7955% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8781% | 2,762 |
| Memoranda: | ||
| Average total assets | $436,847,500 | 1,660 |
| Average earning assets | $401,593,000 | 1,666 |
| Average equity | $41,811,000 | 1,915 |
| Average total loans | $353,108,500 | 1,443 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0054% | 225 |
| Cost of funding earning assets | 0.6608% | 3,354 |
| Net interest margin | 5.3446% | 142 |
| Noninterest income to average assets | 0.7539% | 1,614 |
| Noninterest expense to average assets | 4.3502% | 351 |
| Loan and lease loss provision to assets | 0.7344% | 148 |
| Net operating income to assets | 0.4473% | 4,508 |
| Return on assets (ROA) | 0.4473% | 4,541 |
| Pretax return on assets | 0.5572% | 4,477 |
| Return on Equity (ROE) | 4.5616% | 4,334 |
| Retained earnings to average equity (ytd only) | 0.8829% | 4,422 |
| Net charge-offs to loans | 0.9062% | 177 |
| Credit loss provision to net charge-offs | 95.4077% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.6779% | 3,510 |
| Efficiency ratio | 77.1067% | 1,253 |
| Assets per employee ($millions) | 3.3617% | 4,601 |
| Cash dividends to net income (ytd only)* | 80.6452% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,551 |
| Loan loss allowance to noncurrent loans | 46.2590% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 467 |
| Noncurrent loans to loans | 2.1520% | 583 |
| Net loans and leases to total assets | 83.1928% | 401 |
| Net loans and leases to deposits | 92.7812% | 1,280 |
| Net loans and leases to core deposits | 98.5389% | 1,691 |
| Total domestic deposits to total assets | 89.6656% | 442 |
| Equity capital to assets | 10.0314% | 3,886 |
| Core capital (leverage) ratio | 10.2840% | 3,207 |
| Tier 1 risk-based capital ratio | 12.0581% | 4,332 |
| Total risk-based capital ratio | 13.0822% | 4,330 |
| Memoranda: | ||
| Average total assets | $415,839,400 | 1,687 |
| Average earning assets | $380,307,400 | 1,706 |
| Average equity | $40,775,400 | 1,898 |
| Average total loans | $353,247,000 | 1,409 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 228 |
| Cost of funding earning assets | 0.6506% | 3,450 |
| Net interest margin | 5.3747% | 145 |
| Noninterest income to average assets | 0.7568% | 1,571 |
| Noninterest expense to average assets | 4.4781% | 305 |
| Loan and lease loss provision to assets | 0.8595% | 118 |
| Net operating income to assets | 0.2721% | 4,874 |
| Return on assets (ROA) | 0.2721% | 4,889 |
| Pretax return on assets | 0.3359% | 4,870 |
| Return on Equity (ROE) | 2.7907% | 4,801 |
| Retained earnings to average equity (ytd only) | -2.1456% | 4,936 |
| Net charge-offs to loans | 0.9981% | 146 |
| Credit loss provision to net charge-offs | 101.0943% | 2,229 |
| Earnings coverage of net charge-offs (x) | 1.4060% | 3,295 |
| Efficiency ratio | 78.9301% | 1,026 |
| Assets per employee ($millions) | 3.2941% | 4,675 |
| Cash dividends to net income (ytd only)* | 176.8865% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,165 |
| Loan loss allowance to noncurrent loans | 59.1857% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 679 |
| Noncurrent loans to loans | 1.8112% | 789 |
| Net loans and leases to total assets | 84.1150% | 341 |
| Net loans and leases to deposits | 93.8628% | 1,228 |
| Net loans and leases to core deposits | 99.9728% | 1,655 |
| Total domestic deposits to total assets | 89.6149% | 411 |
| Equity capital to assets | 10.1565% | 3,864 |
| Core capital (leverage) ratio | 10.0746% | 3,558 |
| Tier 1 risk-based capital ratio | 11.9272% | 4,450 |
| Total risk-based capital ratio | 13.0151% | 4,433 |
| Memoranda: | ||
| Average total assets | $415,586,250 | 1,696 |
| Average earning assets | $380,168,750 | 1,719 |
| Average equity | $40,515,250 | 1,915 |
| Average total loans | $353,989,250 | 1,410 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 222 |
| Cost of funding earning assets | 0.6360% | 3,482 |
| Net interest margin | 5.3860% | 155 |
| Noninterest income to average assets | 0.7412% | 1,550 |
| Noninterest expense to average assets | 4.1218% | 456 |
| Loan and lease loss provision to assets | 1.2038% | 75 |
| Net operating income to assets | 0.2718% | 4,912 |
| Return on assets (ROA) | 0.2718% | 4,924 |
| Pretax return on assets | 0.3375% | 4,902 |
| Return on Equity (ROE) | 2.8257% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.8257% | 3,795 |
| Net charge-offs to loans | 1.4483% | 81 |
| Credit loss provision to net charge-offs | 97.5318% | 2,038 |
| Earnings coverage of net charge-offs (x) | 1.2487% | 3,037 |
| Efficiency ratio | 72.7831% | 1,807 |
| Assets per employee ($millions) | 3.5845% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,541 |
| Loan loss allowance to noncurrent loans | 53.3303% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.6349% | 656 |
| Noncurrent loans to loans | 1.9003% | 778 |
| Net loans and leases to total assets | 83.8858% | 368 |
| Net loans and leases to deposits | 93.7244% | 1,287 |
| Net loans and leases to core deposits | 100.1634% | 1,709 |
| Total domestic deposits to total assets | 89.5027% | 473 |
| Equity capital to assets | 9.6606% | 4,264 |
| Core capital (leverage) ratio | 10.2263% | 3,361 |
| Tier 1 risk-based capital ratio | 12.0472% | 4,389 |
| Total risk-based capital ratio | 13.0877% | 4,390 |
| Memoranda: | ||
| Average total assets | $420,154,330 | 1,682 |
| Average earning assets | $383,955,670 | 1,710 |
| Average equity | $40,414,670 | 1,914 |
| Average total loans | $358,083,670 | 1,404 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 343 |
| Cost of funding earning assets | 0.6243% | 3,437 |
| Net interest margin | 5.1112% | 238 |
| Noninterest income to average assets | 0.7122% | 1,568 |
| Noninterest expense to average assets | 4.0035% | 539 |
| Loan and lease loss provision to assets | 1.3819% | 59 |
| Net operating income to assets | 0.0104% | 5,142 |
| Return on assets (ROA) | 0.0104% | 5,145 |
| Pretax return on assets | 0.0028% | 5,141 |
| Return on Equity (ROE) | 0.1085% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.1085% | 4,509 |
| Net charge-offs to loans | 1.4628% | 85 |
| Credit loss provision to net charge-offs | 110.5303% | 1,492 |
| Earnings coverage of net charge-offs (x) | 1.1076% | 2,622 |
| Efficiency ratio | 74.3013% | 1,716 |
| Assets per employee ($millions) | 3.5621% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,499 |
| Loan loss allowance to noncurrent loans | 32.4978% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.7449% | 251 |
| Noncurrent loans to loans | 3.1844% | 320 |
| Net loans and leases to total assets | 84.4118% | 335 |
| Net loans and leases to deposits | 95.7870% | 996 |
| Net loans and leases to core deposits | 101.6248% | 1,496 |
| Total domestic deposits to total assets | 88.1245% | 1,270 |
| Equity capital to assets | 9.4881% | 4,270 |
| Core capital (leverage) ratio | 9.9235% | 3,685 |
| Tier 1 risk-based capital ratio | 11.5118% | 4,738 |
| Total risk-based capital ratio | 12.5755% | 4,732 |
| Memoranda: | ||
| Average total assets | $422,330,500 | 1,675 |
| Average earning assets | $386,370,000 | 1,706 |
| Average equity | $40,537,500 | 1,907 |
| Average total loans | $360,940,500 | 1,402 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 323 |
| Cost of funding earning assets | 0.4006% | 3,984 |
| Net interest margin | 5.2182% | 185 |
| Noninterest income to average assets | 0.7967% | 1,455 |
| Noninterest expense to average assets | 3.9069% | 597 |
| Loan and lease loss provision to assets | 0.1905% | 1,002 |
| Net operating income to assets | 1.1952% | 2,195 |
| Return on assets (ROA) | 1.1952% | 2,191 |
| Pretax return on assets | 1.4692% | 1,873 |
| Return on Equity (ROE) | 12.8524% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.2845% | 2,608 |
| Net charge-offs to loans | 0.1449% | 1,319 |
| Credit loss provision to net charge-offs | 157.6305% | 1,760 |
| Earnings coverage of net charge-offs (x) | 13.7329% | 2,427 |
| Efficiency ratio | 70.1848% | 2,148 |
| Assets per employee ($millions) | 3.4768% | 4,569 |
| Cash dividends to net income (ytd only)* | 58.8832% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,576 |
| Loan loss allowance to noncurrent loans | 41.4651% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 427 |
| Noncurrent loans to loans | 2.4529% | 503 |
| Net loans and leases to total assets | 84.7667% | 340 |
| Net loans and leases to deposits | 97.8838% | 915 |
| Net loans and leases to core deposits | 103.2440% | 1,485 |
| Total domestic deposits to total assets | 86.5993% | 1,965 |
| Equity capital to assets | 9.7117% | 3,941 |
| Core capital (leverage) ratio | 10.0481% | 3,525 |
| Tier 1 risk-based capital ratio | 11.7412% | 4,599 |
| Total risk-based capital ratio | 12.7871% | 4,611 |
| Memoranda: | ||
| Average total assets | $412,062,000 | 1,659 |
| Average earning assets | $376,661,000 | 1,694 |
| Average equity | $38,319,800 | 1,924 |
| Average total loans | $343,689,000 | 1,424 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 370 |
| Cost of funding earning assets | 0.3461% | 4,207 |
| Net interest margin | 5.1441% | 199 |
| Noninterest income to average assets | 0.7917% | 1,503 |
| Noninterest expense to average assets | 3.8008% | 671 |
| Loan and lease loss provision to assets | 0.2142% | 781 |
| Net operating income to assets | 1.2126% | 2,191 |
| Return on assets (ROA) | 1.2126% | 2,192 |
| Pretax return on assets | 1.4804% | 1,965 |
| Return on Equity (ROE) | 13.1882% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.1281% | 2,592 |
| Net charge-offs to loans | 0.1446% | 1,136 |
| Credit loss provision to net charge-offs | 178.8618% | 1,506 |
| Earnings coverage of net charge-offs (x) | 14.1490% | 2,305 |
| Efficiency ratio | 69.1631% | 2,331 |
| Assets per employee ($millions) | 3.3742% | 4,708 |
| Cash dividends to net income (ytd only)* | 53.5332% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,618 |
| Loan loss allowance to noncurrent loans | 46.2027% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 562 |
| Noncurrent loans to loans | 2.2192% | 632 |
| Net loans and leases to total assets | 84.6159% | 385 |
| Net loans and leases to deposits | 98.4307% | 918 |
| Net loans and leases to core deposits | 103.4766% | 1,492 |
| Total domestic deposits to total assets | 85.9650% | 2,213 |
| Equity capital to assets | 9.6883% | 3,925 |
| Core capital (leverage) ratio | 10.4449% | 3,135 |
| Tier 1 risk-based capital ratio | 11.5912% | 4,739 |
| Total risk-based capital ratio | 12.6295% | 4,746 |
| Memoranda: | ||
| Average total assets | $410,775,000 | 1,671 |
| Average earning assets | $375,614,750 | 1,700 |
| Average equity | $37,770,250 | 1,953 |
| Average total loans | $340,289,000 | 1,437 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 368 |
| Cost of funding earning assets | 0.3388% | 4,139 |
| Net interest margin | 5.0863% | 214 |
| Noninterest income to average assets | 0.7612% | 1,606 |
| Noninterest expense to average assets | 3.7009% | 755 |
| Loan and lease loss provision to assets | 0.2247% | 724 |
| Net operating income to assets | 1.2332% | 2,046 |
| Return on assets (ROA) | 1.2332% | 2,043 |
| Pretax return on assets | 1.4779% | 1,898 |
| Return on Equity (ROE) | 13.6590% | 1,166 |
| Retained earnings to average equity (ytd only) | 2.8357% | 4,121 |
| Net charge-offs to loans | 0.1353% | 1,110 |
| Credit loss provision to net charge-offs | 202.6432% | 1,293 |
| Earnings coverage of net charge-offs (x) | 15.3524% | 2,045 |
| Efficiency ratio | 68.4901% | 2,561 |
| Assets per employee ($millions) | 3.3177% | 4,798 |
| Cash dividends to net income (ytd only)* | 79.2393% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,448 |
| Loan loss allowance to noncurrent loans | 119.7725% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 1,807 |
| Noncurrent loans to loans | 0.8915% | 1,937 |
| Net loans and leases to total assets | 81.2839% | 814 |
| Net loans and leases to deposits | 91.7574% | 1,612 |
| Net loans and leases to core deposits | 96.7529% | 1,989 |
| Total domestic deposits to total assets | 88.5857% | 1,102 |
| Equity capital to assets | 9.5592% | 4,042 |
| Core capital (leverage) ratio | 9.9635% | 3,616 |
| Tier 1 risk-based capital ratio | 11.9986% | 4,495 |
| Total risk-based capital ratio | 13.0886% | 4,481 |
| Memoranda: | ||
| Average total assets | $409,357,670 | 1,681 |
| Average earning assets | $373,634,670 | 1,711 |
| Average equity | $36,957,330 | 1,989 |
| Average total loans | $335,446,330 | 1,462 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 372 |
| Cost of funding earning assets | 0.3410% | 4,054 |
| Net interest margin | 5.0029% | 227 |
| Noninterest income to average assets | 0.7151% | 1,764 |
| Noninterest expense to average assets | 3.6176% | 853 |
| Loan and lease loss provision to assets | 0.1561% | 1,159 |
| Net operating income to assets | 1.2029% | 1,991 |
| Return on assets (ROA) | 1.2029% | 2,003 |
| Pretax return on assets | 1.5073% | 1,671 |
| Return on Equity (ROE) | 13.7261% | 1,078 |
| Retained earnings to average equity (ytd only) | 13.7261% | 429 |
| Net charge-offs to loans | 0.1335% | 1,006 |
| Credit loss provision to net charge-offs | 142.8571% | 1,262 |
| Earnings coverage of net charge-offs (x) | 15.2232% | 1,676 |
| Efficiency ratio | 68.5018% | 2,749 |
| Assets per employee ($millions) | 3.1913% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,856 |
| Loan loss allowance to noncurrent loans | 74.2726% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 1,242 |
| Noncurrent loans to loans | 1.3699% | 1,309 |
| Net loans and leases to total assets | 80.8516% | 813 |
| Net loans and leases to deposits | 90.4891% | 1,632 |
| Net loans and leases to core deposits | 96.1017% | 1,967 |
| Total domestic deposits to total assets | 89.3495% | 941 |
| Equity capital to assets | 8.9437% | 4,619 |
| Core capital (leverage) ratio | 9.9436% | 3,592 |
| Tier 1 risk-based capital ratio | 12.1392% | 4,466 |
| Total risk-based capital ratio | 13.1675% | 4,493 |
| Memoranda: | ||
| Average total assets | $409,998,000 | 1,692 |
| Average earning assets | $374,185,000 | 1,725 |
| Average equity | $35,931,500 | 2,048 |
| Average total loans | $335,529,000 | 1,466 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 476 |
| Cost of funding earning assets | 0.3354% | 3,833 |
| Net interest margin | 4.8241% | 332 |
| Noninterest income to average assets | 0.7394% | 1,807 |
| Noninterest expense to average assets | 4.2768% | 387 |
| Loan and lease loss provision to assets | 0.2440% | 781 |
| Net operating income to assets | 0.0925% | 5,268 |
| Return on assets (ROA) | 0.0925% | 5,271 |
| Pretax return on assets | 0.6080% | 4,726 |
| Return on Equity (ROE) | 1.1079% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.1079% | 4,587 |
| Net charge-offs to loans | 0.1944% | 1,310 |
| Credit loss provision to net charge-offs | 153.2428% | 1,749 |
| Earnings coverage of net charge-offs (x) | 5.3514% | 3,344 |
| Efficiency ratio | 83.3880% | 820 |
| Assets per employee ($millions) | 3.3730% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,993 |
| Loan loss allowance to noncurrent loans | 88.0789% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1246% | 1,327 |
| Noncurrent loans to loans | 1.1263% | 1,572 |
| Net loans and leases to total assets | 81.1763% | 807 |
| Net loans and leases to deposits | 90.8341% | 1,673 |
| Net loans and leases to core deposits | 96.6496% | 1,973 |
| Total domestic deposits to total assets | 89.3676% | 842 |
| Equity capital to assets | 8.5853% | 5,054 |
| Core capital (leverage) ratio | 9.3268% | 4,253 |
| Tier 1 risk-based capital ratio | 11.4779% | 4,863 |
| Total risk-based capital ratio | 12.5016% | 4,891 |
| Memoranda: | ||
| Average total assets | $416,437,000 | 1,649 |
| Average earning assets | $378,912,200 | 1,677 |
| Average equity | $34,750,000 | 2,095 |
| Average total loans | $340,998,600 | 1,405 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 484 |
| Cost of funding earning assets | 0.3281% | 3,862 |
| Net interest margin | 4.7908% | 344 |
| Noninterest income to average assets | 0.7387% | 1,838 |
| Noninterest expense to average assets | 4.0452% | 489 |
| Loan and lease loss provision to assets | 0.1213% | 1,785 |
| Net operating income to assets | 0.4993% | 4,731 |
| Return on assets (ROA) | 0.4993% | 4,769 |
| Pretax return on assets | 0.9302% | 3,934 |
| Return on Equity (ROE) | 6.0259% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.0259% | 2,217 |
| Net charge-offs to loans | 0.2020% | 1,055 |
| Credit loss provision to net charge-offs | 73.3591% | 2,662 |
| Earnings coverage of net charge-offs (x) | 6.3591% | 2,989 |
| Efficiency ratio | 79.3687% | 1,175 |
| Assets per employee ($millions) | 3.0770% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,804 |
| Loan loss allowance to noncurrent loans | 85.3812% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 1,601 |
| Noncurrent loans to loans | 0.9761% | 1,970 |
| Net loans and leases to total assets | 81.8080% | 726 |
| Net loans and leases to deposits | 94.6451% | 1,231 |
| Net loans and leases to core deposits | 100.5426% | 1,658 |
| Total domestic deposits to total assets | 86.4366% | 2,121 |
| Equity capital to assets | 8.7906% | 5,086 |
| Core capital (leverage) ratio | 9.9592% | 3,620 |
| Tier 1 risk-based capital ratio | 11.8077% | 4,763 |
| Total risk-based capital ratio | 12.6657% | 4,891 |
| Memoranda: | ||
| Average total assets | $417,669,250 | 1,656 |
| Average earning assets | $379,942,750 | 1,680 |
| Average equity | $34,605,250 | 2,117 |
| Average total loans | $341,899,750 | 1,410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 495 |
| Cost of funding earning assets | 0.3276% | 3,825 |
| Net interest margin | 4.7516% | 355 |
| Noninterest income to average assets | 0.7586% | 1,731 |
| Noninterest expense to average assets | 4.0624% | 491 |
| Loan and lease loss provision to assets | 0.0813% | 2,362 |
| Net operating income to assets | 0.4388% | 4,871 |
| Return on assets (ROA) | 0.4388% | 4,895 |
| Pretax return on assets | 0.9345% | 3,811 |
| Return on Equity (ROE) | 5.4050% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,465 |
| Net charge-offs to loans | 0.2980% | 682 |
| Credit loss provision to net charge-offs | 33.3988% | 2,700 |
| Earnings coverage of net charge-offs (x) | 4.1749% | 2,971 |
| Efficiency ratio | 79.9981% | 1,208 |
| Assets per employee ($millions) | 3.0324% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,971 |
| Loan loss allowance to noncurrent loans | 69.6850% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,498 |
| Noncurrent loans to loans | 1.1363% | 1,722 |
| Net loans and leases to total assets | 80.0716% | 944 |
| Net loans and leases to deposits | 89.3616% | 1,824 |
| Net loans and leases to core deposits | 94.9459% | 2,072 |
| Total domestic deposits to total assets | 89.6041% | 683 |
| Equity capital to assets | 8.6351% | 5,200 |
| Core capital (leverage) ratio | 9.5056% | 4,126 |
| Tier 1 risk-based capital ratio | 11.7546% | 4,800 |
| Total risk-based capital ratio | 12.5623% | 4,967 |
| Memoranda: | ||
| Average total assets | $418,426,330 | 1,649 |
| Average earning assets | $380,378,330 | 1,678 |
| Average equity | $33,968,330 | 2,145 |
| Average total loans | $341,638,000 | 1,410 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 491 |
| Cost of funding earning assets | 0.3240% | 3,810 |
| Net interest margin | 4.7128% | 368 |
| Noninterest income to average assets | 0.7925% | 1,582 |
| Noninterest expense to average assets | 3.9541% | 568 |
| Loan and lease loss provision to assets | 0.0572% | 2,662 |
| Net operating income to assets | 0.7230% | 3,605 |
| Return on assets (ROA) | 0.7230% | 3,652 |
| Pretax return on assets | 1.0621% | 3,121 |
| Return on Equity (ROE) | 9.1955% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.1955% | 1,021 |
| Net charge-offs to loans | 0.0673% | 1,656 |
| Credit loss provision to net charge-offs | 103.4483% | 1,529 |
| Earnings coverage of net charge-offs (x) | 20.2586% | 1,490 |
| Efficiency ratio | 77.9384% | 1,636 |
| Assets per employee ($millions) | 3.0679% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,886 |
| Loan loss allowance to noncurrent loans | 55.8851% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 1,209 |
| Noncurrent loans to loans | 1.5429% | 1,276 |
| Net loans and leases to total assets | 81.3631% | 640 |
| Net loans and leases to deposits | 92.5800% | 1,260 |
| Net loans and leases to core deposits | 97.8030% | 1,672 |
| Total domestic deposits to total assets | 87.8841% | 1,781 |
| Equity capital to assets | 7.8881% | 5,572 |
| Core capital (leverage) ratio | 9.4876% | 4,133 |
| Tier 1 risk-based capital ratio | 11.2829% | 5,148 |
| Total risk-based capital ratio | 12.1597% | 5,282 |
| Memoranda: | ||
| Average total assets | $419,923,000 | 1,661 |
| Average earning assets | $381,429,000 | 1,687 |
| Average equity | $33,016,000 | 2,194 |
| Average total loans | $344,807,500 | 1,416 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 447 |
| Cost of funding earning assets | 0.3372% | 3,667 |
| Net interest margin | 4.8160% | 339 |
| Noninterest income to average assets | 1.0407% | 1,045 |
| Noninterest expense to average assets | 3.9024% | 689 |
| Loan and lease loss provision to assets | 0.0541% | 3,304 |
| Net operating income to assets | 0.9845% | 2,419 |
| Return on assets (ROA) | 0.9845% | 2,520 |
| Pretax return on assets | 1.4828% | 1,648 |
| Return on Equity (ROE) | 12.3015% | 1,171 |
| Retained earnings to average equity (ytd only) | 1.6790% | 4,576 |
| Net charge-offs to loans | 0.2279% | 1,223 |
| Credit loss provision to net charge-offs | 28.4472% | 3,606 |
| Earnings coverage of net charge-offs (x) | 8.0845% | 2,926 |
| Efficiency ratio | 71.7449% | 2,629 |
| Assets per employee ($millions) | 3.0400% | 5,316 |
| Cash dividends to net income (ytd only)* | 86.3516% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,880 |
| Loan loss allowance to noncurrent loans | 84.3143% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 1,797 |
| Noncurrent loans to loans | 1.0378% | 2,003 |
| Net loans and leases to total assets | 81.4352% | 682 |
| Net loans and leases to deposits | 92.2159% | 1,422 |
| Net loans and leases to core deposits | 97.4979% | 1,803 |
| Total domestic deposits to total assets | 88.3093% | 1,485 |
| Equity capital to assets | 7.8362% | 5,626 |
| Core capital (leverage) ratio | 9.4193% | 4,202 |
| Tier 1 risk-based capital ratio | 11.1255% | 5,273 |
| Total risk-based capital ratio | 11.9935% | 5,372 |
| Memoranda: | ||
| Average total assets | $423,462,600 | 1,608 |
| Average earning assets | $386,755,600 | 1,616 |
| Average equity | $33,890,200 | 2,139 |
| Average total loans | $353,233,200 | 1,330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 439 |
| Cost of funding earning assets | 0.3411% | 3,646 |
| Net interest margin | 4.8296% | 347 |
| Noninterest income to average assets | 1.0984% | 940 |
| Noninterest expense to average assets | 3.8571% | 708 |
| Loan and lease loss provision to assets | 0.0718% | 2,778 |
| Net operating income to assets | 1.0479% | 2,207 |
| Return on assets (ROA) | 1.0479% | 2,339 |
| Pretax return on assets | 1.5866% | 1,419 |
| Return on Equity (ROE) | 13.0275% | 1,049 |
| Retained earnings to average equity (ytd only) | 9.9090% | 593 |
| Net charge-offs to loans | 0.1442% | 1,541 |
| Credit loss provision to net charge-offs | 59.4805% | 2,917 |
| Earnings coverage of net charge-offs (x) | 13.7377% | 2,286 |
| Efficiency ratio | 69.9318% | 2,896 |
| Assets per employee ($millions) | 3.0459% | 5,350 |
| Cash dividends to net income (ytd only)* | 23.9378% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,455 |
| Loan loss allowance to noncurrent loans | 86.1686% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 1,786 |
| Noncurrent loans to loans | 1.1517% | 1,947 |
| Net loans and leases to total assets | 81.0322% | 752 |
| Net loans and leases to deposits | 93.8284% | 1,273 |
| Net loans and leases to core deposits | 101.2299% | 1,537 |
| Total domestic deposits to total assets | 86.3621% | 2,185 |
| Equity capital to assets | 8.2343% | 5,655 |
| Core capital (leverage) ratio | 9.7127% | 3,922 |
| Tier 1 risk-based capital ratio | 11.5632% | 5,048 |
| Total risk-based capital ratio | 12.5416% | 5,110 |
| Memoranda: | ||
| Average total assets | $425,209,250 | 1,594 |
| Average earning assets | $388,894,250 | 1,611 |
| Average equity | $34,203,750 | 2,139 |
| Average total loans | $356,003,500 | 1,318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 466 |
| Cost of funding earning assets | 0.3335% | 3,756 |
| Net interest margin | 4.8060% | 363 |
| Noninterest income to average assets | 1.2906% | 690 |
| Noninterest expense to average assets | 3.8329% | 736 |
| Loan and lease loss provision to assets | 0.1074% | 2,067 |
| Net operating income to assets | 1.1752% | 1,686 |
| Return on assets (ROA) | 1.1752% | 1,785 |
| Pretax return on assets | 1.7644% | 949 |
| Return on Equity (ROE) | 14.4539% | 755 |
| Retained earnings to average equity (ytd only) | 9.8379% | 633 |
| Net charge-offs to loans | 0.0578% | 2,359 |
| Credit loss provision to net charge-offs | 220.1923% | 1,220 |
| Earnings coverage of net charge-offs (x) | 38.3654% | 1,184 |
| Efficiency ratio | 67.1875% | 3,504 |
| Assets per employee ($millions) | 3.0423% | 5,375 |
| Cash dividends to net income (ytd only)* | 31.9361% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 4,220 |
| Loan loss allowance to noncurrent loans | 68.8210% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 1,435 |
| Noncurrent loans to loans | 1.5288% | 1,422 |
| Net loans and leases to total assets | 81.5834% | 674 |
| Net loans and leases to deposits | 91.9238% | 1,528 |
| Net loans and leases to core deposits | 97.6081% | 1,846 |
| Total domestic deposits to total assets | 88.7511% | 1,041 |
| Equity capital to assets | 8.3395% | 5,673 |
| Core capital (leverage) ratio | 9.5217% | 4,179 |
| Tier 1 risk-based capital ratio | 11.3413% | 5,255 |
| Total risk-based capital ratio | 12.4019% | 5,254 |
| Memoranda: | ||
| Average total assets | $426,310,000 | 1,588 |
| Average earning assets | $391,551,000 | 1,603 |
| Average equity | $34,662,000 | 2,107 |
| Average total loans | $359,999,670 | 1,301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 403 |
| Cost of funding earning assets | 0.3210% | 3,935 |
| Net interest margin | 4.8948% | 316 |
| Noninterest income to average assets | 0.7034% | 2,028 |
| Noninterest expense to average assets | 3.8734% | 709 |
| Loan and lease loss provision to assets | 0.1229% | 1,720 |
| Net operating income to assets | 0.8028% | 3,234 |
| Return on assets (ROA) | 0.8028% | 3,348 |
| Pretax return on assets | 1.1976% | 2,709 |
| Return on Equity (ROE) | 10.0020% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.0020% | 843 |
| Net charge-offs to loans | 0.1251% | 1,357 |
| Credit loss provision to net charge-offs | 114.9123% | 1,477 |
| Earnings coverage of net charge-offs (x) | 12.3509% | 1,802 |
| Efficiency ratio | 74.5757% | 2,390 |
| Assets per employee ($millions) | 3.1668% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,637 |
| Loan loss allowance to noncurrent loans | 91.9744% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,058 |
| Noncurrent loans to loans | 1.0820% | 2,234 |
| Net loans and leases to total assets | 84.7316% | 311 |
| Net loans and leases to deposits | 96.4227% | 901 |
| Net loans and leases to core deposits | 102.0567% | 1,332 |
| Total domestic deposits to total assets | 87.8752% | 1,709 |
| Equity capital to assets | 8.2305% | 5,726 |
| Core capital (leverage) ratio | 9.1607% | 4,641 |
| Tier 1 risk-based capital ratio | 10.7748% | 5,621 |
| Total risk-based capital ratio | 11.7746% | 5,648 |
| Memoranda: | ||
| Average total assets | $426,502,500 | 1,589 |
| Average earning assets | $391,270,000 | 1,602 |
| Average equity | $34,233,000 | 2,128 |
| Average total loans | $364,410,000 | 1,285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 368 |
| Cost of funding earning assets | 0.2807% | 4,479 |
| Net interest margin | 5.0164% | 245 |
| Noninterest income to average assets | 1.1866% | 851 |
| Noninterest expense to average assets | 3.9603% | 709 |
| Loan and lease loss provision to assets | 0.9391% | 96 |
| Net operating income to assets | 0.7517% | 3,560 |
| Return on assets (ROA) | 0.7517% | 3,659 |
| Pretax return on assets | 0.8981% | 3,844 |
| Return on Equity (ROE) | 8.5747% | 2,684 |
| Retained earnings to average equity (ytd only) | -7.9882% | 5,999 |
| Net charge-offs to loans | 0.9607% | 217 |
| Credit loss provision to net charge-offs | 113.5579% | 2,242 |
| Earnings coverage of net charge-offs (x) | 2.2216% | 3,949 |
| Efficiency ratio | 68.3104% | 3,506 |
| Assets per employee ($millions) | 3.2714% | 5,189 |
| Cash dividends to net income (ytd only)* | 193.1602% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,776 |
| Loan loss allowance to noncurrent loans | 65.9036% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 1,342 |
| Noncurrent loans to loans | 1.4706% | 1,585 |
| Net loans and leases to total assets | 84.4764% | 350 |
| Net loans and leases to deposits | 96.0474% | 1,004 |
| Net loans and leases to core deposits | 102.0677% | 1,357 |
| Total domestic deposits to total assets | 87.9528% | 1,652 |
| Equity capital to assets | 7.8274% | 5,912 |
| Core capital (leverage) ratio | 8.7936% | 5,119 |
| Tier 1 risk-based capital ratio | 10.3035% | 5,862 |
| Total risk-based capital ratio | 11.2765% | 5,886 |
| Memoranda: | ||
| Average total assets | $420,092,600 | 1,575 |
| Average earning assets | $386,131,800 | 1,585 |
| Average equity | $36,829,400 | 1,940 |
| Average total loans | $361,622,600 | 1,255 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 377 |
| Cost of funding earning assets | 0.2599% | 4,775 |
| Net interest margin | 5.0331% | 235 |
| Noninterest income to average assets | 1.4236% | 612 |
| Noninterest expense to average assets | 3.9546% | 700 |
| Loan and lease loss provision to assets | 0.1534% | 1,418 |
| Net operating income to assets | 1.5198% | 893 |
| Return on assets (ROA) | 1.5198% | 927 |
| Pretax return on assets | 1.9452% | 672 |
| Return on Equity (ROE) | 16.8673% | 481 |
| Retained earnings to average equity (ytd only) | 5.8708% | 2,325 |
| Net charge-offs to loans | 0.3964% | 647 |
| Credit loss provision to net charge-offs | 44.8598% | 3,104 |
| Earnings coverage of net charge-offs (x) | 6.1365% | 3,093 |
| Efficiency ratio | 65.3308% | 4,007 |
| Assets per employee ($millions) | 3.2698% | 5,175 |
| Cash dividends to net income (ytd only)* | 65.1945% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 5,762 |
| Loan loss allowance to noncurrent loans | 108.5677% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 2,692 |
| Noncurrent loans to loans | 0.6304% | 3,427 |
| Net loans and leases to total assets | 85.6512% | 252 |
| Net loans and leases to deposits | 96.2276% | 983 |
| Net loans and leases to core deposits | 102.8817% | 1,311 |
| Total domestic deposits to total assets | 89.0090% | 1,023 |
| Equity capital to assets | 9.0528% | 5,263 |
| Core capital (leverage) ratio | 9.9922% | 3,642 |
| Tier 1 risk-based capital ratio | 11.6709% | 5,281 |
| Total risk-based capital ratio | 12.3615% | 5,491 |
| Memoranda: | ||
| Average total assets | $417,159,000 | 1,595 |
| Average earning assets | $383,715,750 | 1,605 |
| Average equity | $37,586,500 | 1,919 |
| Average total loans | $359,937,750 | 1,264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 394 |
| Cost of funding earning assets | 0.2393% | 5,061 |
| Net interest margin | 5.0088% | 243 |
| Noninterest income to average assets | 1.7442% | 448 |
| Noninterest expense to average assets | 4.0307% | 653 |
| Loan and lease loss provision to assets | 0.1713% | 1,220 |
| Net operating income to assets | 1.7683% | 546 |
| Return on assets (ROA) | 1.7683% | 573 |
| Pretax return on assets | 2.1480% | 456 |
| Return on Equity (ROE) | 19.6576% | 291 |
| Retained earnings to average equity (ytd only) | 3.0304% | 4,115 |
| Net charge-offs to loans | 0.0738% | 2,336 |
| Credit loss provision to net charge-offs | 268.9394% | 996 |
| Earnings coverage of net charge-offs (x) | 36.4167% | 1,200 |
| Efficiency ratio | 63.4754% | 4,432 |
| Assets per employee ($millions) | 3.2852% | 5,188 |
| Cash dividends to net income (ytd only)* | 84.5839% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 5,300 |
| Loan loss allowance to noncurrent loans | 32.4763% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 2.3951% | 810 |
| Noncurrent loans to loans | 2.7718% | 759 |
| Net loans and leases to total assets | 85.6314% | 257 |
| Net loans and leases to deposits | 101.3277% | 580 |
| Net loans and leases to core deposits | 107.3880% | 997 |
| Total domestic deposits to total assets | 84.5094% | 3,341 |
| Equity capital to assets | 8.7504% | 5,487 |
| Core capital (leverage) ratio | 10.0633% | 3,511 |
| Tier 1 risk-based capital ratio | 11.1668% | 5,634 |
| Total risk-based capital ratio | 12.0648% | 5,736 |
| Memoranda: | ||
| Average total assets | $414,520,330 | 1,615 |
| Average earning assets | $381,172,330 | 1,621 |
| Average equity | $37,288,330 | 1,935 |
| Average total loans | $357,720,000 | 1,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 331 |
| Cost of funding earning assets | 0.2358% | 5,162 |
| Net interest margin | 5.1016% | 209 |
| Noninterest income to average assets | 0.6790% | 2,259 |
| Noninterest expense to average assets | 3.7233% | 976 |
| Loan and lease loss provision to assets | 0.2499% | 666 |
| Net operating income to assets | 0.9053% | 2,721 |
| Return on assets (ROA) | 0.9053% | 2,842 |
| Pretax return on assets | 1.3913% | 1,918 |
| Return on Equity (ROE) | 9.9229% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.9229% | 947 |
| Net charge-offs to loans | 0.1738% | 1,230 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 10.9477% | 1,902 |
| Efficiency ratio | 69.4064% | 3,594 |
| Assets per employee ($millions) | 3.2276% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 5,421 |
| Loan loss allowance to noncurrent loans | 86.3036% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 2,824 |
| Noncurrent loans to loans | 1.0517% | 2,658 |
| Net loans and leases to total assets | 85.2509% | 237 |
| Net loans and leases to deposits | 97.3841% | 734 |
| Net loans and leases to core deposits | 102.8390% | 1,126 |
| Total domestic deposits to total assets | 87.5409% | 2,079 |
| Equity capital to assets | 9.2096% | 5,074 |
| Core capital (leverage) ratio | 10.0468% | 3,539 |
| Tier 1 risk-based capital ratio | 12.0124% | 5,225 |
| Total risk-based capital ratio | 12.9352% | 5,346 |
| Memoranda: | ||
| Average total assets | $408,242,000 | 1,644 |
| Average earning assets | $374,942,000 | 1,649 |
| Average equity | $37,247,000 | 1,952 |
| Average total loans | $352,063,000 | 1,287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 401 |
| Cost of funding earning assets | 0.2495% | 5,325 |
| Net interest margin | 5.1226% | 242 |
| Noninterest income to average assets | 0.7693% | 1,993 |
| Noninterest expense to average assets | 3.7949% | 994 |
| Loan and lease loss provision to assets | 0.1945% | 1,315 |
| Net operating income to assets | 0.9719% | 2,515 |
| Return on assets (ROA) | 0.9836% | 2,541 |
| Pretax return on assets | 1.4802% | 1,620 |
| Return on Equity (ROE) | 10.1815% | 2,035 |
| Retained earnings to average equity (ytd only) | 6.1487% | 1,832 |
| Net charge-offs to loans | 0.0968% | 3,120 |
| Credit loss provision to net charge-offs | 237.0253% | 1,068 |
| Earnings coverage of net charge-offs (x) | 20.1899% | 1,735 |
| Efficiency ratio | 69.6060% | 3,603 |
| Assets per employee ($millions) | 3.2268% | 5,396 |
| Cash dividends to net income (ytd only)* | 39.6092% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 5,523 |
| Loan loss allowance to noncurrent loans | 99.0096% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 3,277 |
| Noncurrent loans to loans | 0.8905% | 3,092 |
| Net loans and leases to total assets | 85.6853% | 229 |
| Net loans and leases to deposits | 96.0931% | 895 |
| Net loans and leases to core deposits | 103.5041% | 1,151 |
| Total domestic deposits to total assets | 89.1690% | 1,138 |
| Equity capital to assets | 9.0372% | 5,243 |
| Core capital (leverage) ratio | 10.2349% | 3,267 |
| Tier 1 risk-based capital ratio | 11.8255% | 5,474 |
| Total risk-based capital ratio | 12.7249% | 5,600 |
| Memoranda: | ||
| Average total assets | $385,021,800 | 1,703 |
| Average earning assets | $351,948,200 | 1,699 |
| Average equity | $37,195,000 | 1,892 |
| Average total loans | $326,529,400 | 1,340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 399 |
| Cost of funding earning assets | 0.2522% | 5,382 |
| Net interest margin | 5.1156% | 238 |
| Noninterest income to average assets | 0.7066% | 2,294 |
| Noninterest expense to average assets | 3.7182% | 1,093 |
| Loan and lease loss provision to assets | 0.2051% | 1,146 |
| Net operating income to assets | 0.9733% | 2,578 |
| Return on assets (ROA) | 0.9894% | 2,565 |
| Pretax return on assets | 1.4733% | 1,732 |
| Return on Equity (ROE) | 10.0673% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.6001% | 2,673 |
| Net charge-offs to loans | 0.1182% | 2,626 |
| Credit loss provision to net charge-offs | 205.6338% | 1,237 |
| Earnings coverage of net charge-offs (x) | 16.5879% | 1,960 |
| Efficiency ratio | 69.2051% | 3,639 |
| Assets per employee ($millions) | 3.1505% | 5,515 |
| Cash dividends to net income (ytd only)* | 44.3735% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 5,648 |
| Loan loss allowance to noncurrent loans | 68.0744% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 2,657 |
| Noncurrent loans to loans | 1.2990% | 2,475 |
| Net loans and leases to total assets | 85.0970% | 257 |
| Net loans and leases to deposits | 95.3745% | 928 |
| Net loans and leases to core deposits | 100.4023% | 1,331 |
| Total domestic deposits to total assets | 89.2241% | 1,113 |
| Equity capital to assets | 9.8363% | 4,383 |
| Core capital (leverage) ratio | 10.3992% | 3,158 |
| Tier 1 risk-based capital ratio | 12.3850% | 5,238 |
| Total risk-based capital ratio | 13.3027% | 5,368 |
| Memoranda: | ||
| Average total assets | $379,633,750 | 1,740 |
| Average earning assets | $346,279,250 | 1,737 |
| Average equity | $37,308,000 | 1,889 |
| Average total loans | $320,293,500 | 1,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 384 |
| Cost of funding earning assets | 0.2517% | 5,466 |
| Net interest margin | 5.1302% | 229 |
| Noninterest income to average assets | 0.6964% | 2,300 |
| Noninterest expense to average assets | 3.7329% | 1,077 |
| Loan and lease loss provision to assets | 0.2522% | 863 |
| Net operating income to assets | 0.9644% | 2,482 |
| Return on assets (ROA) | 0.9714% | 2,530 |
| Pretax return on assets | 1.4050% | 1,875 |
| Return on Equity (ROE) | 9.8876% | 2,203 |
| Retained earnings to average equity (ytd only) | 3.1190% | 4,222 |
| Net charge-offs to loans | 0.1675% | 2,053 |
| Credit loss provision to net charge-offs | 179.5455% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,131 |
| Efficiency ratio | 69.3859% | 3,763 |
| Assets per employee ($millions) | 3.1555% | 5,497 |
| Cash dividends to net income (ytd only)* | 68.4556% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,769 |
| Loan loss allowance to noncurrent loans | 71.3471% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 2,857 |
| Noncurrent loans to loans | 1.2382% | 2,750 |
| Net loans and leases to total assets | 84.5097% | 268 |
| Net loans and leases to deposits | 94.7625% | 902 |
| Net loans and leases to core deposits | 100.2317% | 1,264 |
| Total domestic deposits to total assets | 89.1805% | 1,261 |
| Equity capital to assets | 9.8159% | 4,328 |
| Core capital (leverage) ratio | 10.4753% | 2,978 |
| Tier 1 risk-based capital ratio | 12.4258% | 5,282 |
| Total risk-based capital ratio | 13.3412% | 5,411 |
| Memoranda: | ||
| Average total assets | $375,956,000 | 1,749 |
| Average earning assets | $343,225,670 | 1,747 |
| Average equity | $36,935,000 | 1,902 |
| Average total loans | $315,254,000 | 1,378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 325 |
| Cost of funding earning assets | 0.2550% | 5,539 |
| Net interest margin | 5.1823% | 188 |
| Noninterest income to average assets | 0.6852% | 2,254 |
| Noninterest expense to average assets | 3.7402% | 1,071 |
| Loan and lease loss provision to assets | 0.1383% | 1,759 |
| Net operating income to assets | 0.9980% | 2,220 |
| Return on assets (ROA) | 1.0112% | 2,236 |
| Pretax return on assets | 1.5559% | 1,275 |
| Return on Equity (ROE) | 10.2883% | 1,937 |
| Retained earnings to average equity (ytd only) | -3.3494% | 5,999 |
| Net charge-offs to loans | 0.1419% | 1,873 |
| Credit loss provision to net charge-offs | 117.2727% | 1,482 |
| Earnings coverage of net charge-offs (x) | 14.1909% | 1,626 |
| Efficiency ratio | 69.0830% | 3,986 |
| Assets per employee ($millions) | 3.0286% | 5,815 |
| Cash dividends to net income (ytd only)* | 132.5557% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 5,977 |
| Loan loss allowance to noncurrent loans | 110.3122% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 4,142 |
| Noncurrent loans to loans | 0.7811% | 3,908 |
| Net loans and leases to total assets | 81.6052% | 389 |
| Net loans and leases to deposits | 91.2543% | 1,011 |
| Net loans and leases to core deposits | 95.9333% | 1,389 |
| Total domestic deposits to total assets | 89.4261% | 1,408 |
| Equity capital to assets | 9.6504% | 4,292 |
| Core capital (leverage) ratio | 10.2078% | 3,282 |
| Tier 1 risk-based capital ratio | 12.8210% | 5,108 |
| Total risk-based capital ratio | 13.7233% | 5,271 |
| Memoranda: | ||
| Average total assets | $373,024,500 | 1,765 |
| Average earning assets | $340,389,000 | 1,768 |
| Average equity | $36,663,000 | 1,911 |
| Average total loans | $310,106,000 | 1,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 498 |
| Cost of funding earning assets | 0.2903% | 5,671 |
| Net interest margin | 5.0440% | 290 |
| Noninterest income to average assets | 0.8975% | 1,686 |
| Noninterest expense to average assets | 3.5829% | 1,478 |
| Loan and lease loss provision to assets | 0.1305% | 2,682 |
| Net operating income to assets | 1.2769% | 1,312 |
| Return on assets (ROA) | 1.2769% | 1,363 |
| Pretax return on assets | 1.7837% | 783 |
| Return on Equity (ROE) | 13.2774% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.6056% | 359 |
| Net charge-offs to loans | 0.0999% | 3,843 |
| Credit loss provision to net charge-offs | 163.9731% | 1,389 |
| Earnings coverage of net charge-offs (x) | 24.0505% | 1,384 |
| Efficiency ratio | 65.1782% | 4,703 |
| Assets per employee ($millions) | 3.3407% | 5,204 |
| Cash dividends to net income (ytd only)* | 12.5918% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,026 |
| Loan loss allowance to noncurrent loans | 109.2623% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 4,198 |
| Noncurrent loans to loans | 0.7907% | 4,002 |
| Net loans and leases to total assets | 83.2505% | 308 |
| Net loans and leases to deposits | 93.3426% | 928 |
| Net loans and leases to core deposits | 98.9178% | 1,237 |
| Total domestic deposits to total assets | 89.1881% | 1,497 |
| Equity capital to assets | 10.0121% | 3,753 |
| Core capital (leverage) ratio | 10.3891% | 3,032 |
| Tier 1 risk-based capital ratio | 13.2978% | 4,791 |
| Total risk-based capital ratio | 14.2196% | 4,947 |
| Memoranda: | ||
| Average total assets | $373,165,800 | 1,752 |
| Average earning assets | $340,282,600 | 1,749 |
| Average equity | $35,888,000 | 1,920 |
| Average total loans | $297,241,600 | 1,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 573 |
| Cost of funding earning assets | 0.2926% | 5,792 |
| Net interest margin | 4.9646% | 338 |
| Noninterest income to average assets | 0.9447% | 1,621 |
| Noninterest expense to average assets | 3.5320% | 1,542 |
| Loan and lease loss provision to assets | 0.1089% | 2,947 |
| Net operating income to assets | 1.3212% | 1,289 |
| Return on assets (ROA) | 1.3212% | 1,346 |
| Pretax return on assets | 1.8331% | 835 |
| Return on Equity (ROE) | 13.8781% | 1,019 |
| Retained earnings to average equity (ytd only) | 11.6349% | 480 |
| Net charge-offs to loans | 0.0983% | 3,576 |
| Credit loss provision to net charge-offs | 141.0138% | 1,664 |
| Earnings coverage of net charge-offs (x) | 25.1425% | 1,395 |
| Efficiency ratio | 64.5231% | 4,719 |
| Assets per employee ($millions) | 3.2756% | 5,331 |
| Cash dividends to net income (ytd only)* | 16.1638% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 6,174 |
| Loan loss allowance to noncurrent loans | 107.9091% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 4,441 |
| Noncurrent loans to loans | 0.7919% | 4,261 |
| Net loans and leases to total assets | 79.0002% | 648 |
| Net loans and leases to deposits | 87.9402% | 1,368 |
| Net loans and leases to core deposits | 93.4229% | 1,631 |
| Total domestic deposits to total assets | 89.8341% | 1,092 |
| Equity capital to assets | 9.8933% | 4,064 |
| Core capital (leverage) ratio | 9.9618% | 3,729 |
| Tier 1 risk-based capital ratio | 13.5409% | 4,729 |
| Total risk-based capital ratio | 14.4695% | 4,909 |
| Memoranda: | ||
| Average total assets | $374,588,750 | 1,756 |
| Average earning assets | $341,747,000 | 1,759 |
| Average equity | $35,662,000 | 1,946 |
| Average total loans | $294,404,500 | 1,433 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 604 |
| Cost of funding earning assets | 0.3007% | 5,826 |
| Net interest margin | 4.9272% | 348 |
| Noninterest income to average assets | 1.0773% | 1,317 |
| Noninterest expense to average assets | 3.4492% | 1,721 |
| Loan and lease loss provision to assets | 0.0915% | 3,263 |
| Net operating income to assets | 1.4662% | 953 |
| Return on assets (ROA) | 1.4662% | 1,029 |
| Pretax return on assets | 2.0332% | 569 |
| Return on Equity (ROE) | 15.6064% | 717 |
| Retained earnings to average equity (ytd only) | 12.1902% | 462 |
| Net charge-offs to loans | 0.0875% | 3,491 |
| Credit loss provision to net charge-offs | 133.5938% | 1,697 |
| Earnings coverage of net charge-offs (x) | 31.0313% | 1,123 |
| Efficiency ratio | 61.8810% | 5,189 |
| Assets per employee ($millions) | 3.3049% | 5,250 |
| Cash dividends to net income (ytd only)* | 21.8898% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,252 |
| Loan loss allowance to noncurrent loans | 94.4861% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 3,911 |
| Noncurrent loans to loans | 0.8996% | 4,128 |
| Net loans and leases to total assets | 78.6783% | 678 |
| Net loans and leases to deposits | 87.4865% | 1,407 |
| Net loans and leases to core deposits | 92.9711% | 1,613 |
| Total domestic deposits to total assets | 89.9320% | 1,066 |
| Equity capital to assets | 9.7022% | 4,308 |
| Core capital (leverage) ratio | 9.7813% | 3,818 |
| Tier 1 risk-based capital ratio | 13.4950% | 4,774 |
| Total risk-based capital ratio | 14.4280% | 4,952 |
| Memoranda: | ||
| Average total assets | $373,885,330 | 1,755 |
| Average earning assets | $341,206,000 | 1,756 |
| Average equity | $35,126,670 | 1,980 |
| Average total loans | $292,486,670 | 1,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 542 |
| Cost of funding earning assets | 0.3069% | 5,919 |
| Net interest margin | 4.9582% | 310 |
| Noninterest income to average assets | 0.7602% | 2,295 |
| Noninterest expense to average assets | 3.5466% | 1,533 |
| Loan and lease loss provision to assets | 0.0642% | 3,556 |
| Net operating income to assets | 1.1173% | 1,793 |
| Return on assets (ROA) | 1.1173% | 1,901 |
| Pretax return on assets | 1.6584% | 1,174 |
| Return on Equity (ROE) | 12.0902% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.1485% | 3,142 |
| Net charge-offs to loans | 0.0482% | 3,361 |
| Credit loss provision to net charge-offs | 171.4286% | 1,230 |
| Earnings coverage of net charge-offs (x) | 46.0286% | 714 |
| Efficiency ratio | 67.3093% | 4,442 |
| Assets per employee ($millions) | 3.3221% | 5,388 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,344 |
| Loan loss allowance to noncurrent loans | 85.1600% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4854% | 3,035 |
| Noncurrent loans to loans | 1.0123% | 4,107 |
| Net loans and leases to total assets | 76.6446% | 760 |
| Net loans and leases to deposits | 84.8755% | 1,486 |
| Net loans and leases to core deposits | 90.1422% | 1,683 |
| Total domestic deposits to total assets | 90.3023% | 876 |
| Equity capital to assets | 9.2688% | 5,176 |
| Core capital (leverage) ratio | 9.3410% | 4,342 |
| Tier 1 risk-based capital ratio | 12.9828% | 5,232 |
| Total risk-based capital ratio | 13.9178% | 5,411 |
| Memoranda: | ||
| Average total assets | $374,102,500 | 1,765 |
| Average earning assets | $340,206,000 | 1,775 |
| Average equity | $34,573,500 | 2,037 |
| Average total loans | $290,558,000 | 1,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 2,568 |
| Cost of funding earning assets | 0.4331% | 5,697 |
| Net interest margin | 4.2728% | 1,465 |
| Noninterest income to average assets | 0.7959% | 2,278 |
| Noninterest expense to average assets | 3.1819% | 2,675 |
| Loan and lease loss provision to assets | 0.1700% | 3,494 |
| Net operating income to assets | 0.9320% | 2,635 |
| Return on assets (ROA) | 0.9320% | 2,884 |
| Pretax return on assets | 1.3437% | 2,235 |
| Return on Equity (ROE) | 10.4985% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.1517% | 3,305 |
| Net charge-offs to loans | 0.2248% | 3,593 |
| Credit loss provision to net charge-offs | 110.6897% | 2,641 |
| Earnings coverage of net charge-offs (x) | 9.8569% | 2,210 |
| Efficiency ratio | 67.7643% | 4,193 |
| Assets per employee ($millions) | 3.4519% | 5,106 |
| Cash dividends to net income (ytd only)* | 60.4545% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,392 |
| Loan loss allowance to noncurrent loans | 79.1560% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 3,035 |
| Noncurrent loans to loans | 1.0753% | 4,052 |
| Net loans and leases to total assets | 77.3633% | 749 |
| Net loans and leases to deposits | 85.5481% | 1,572 |
| Net loans and leases to core deposits | 90.6037% | 1,765 |
| Total domestic deposits to total assets | 90.4326% | 736 |
| Equity capital to assets | 9.2144% | 5,253 |
| Core capital (leverage) ratio | 9.3367% | 4,348 |
| Tier 1 risk-based capital ratio | 12.6315% | 5,379 |
| Total risk-based capital ratio | 13.5435% | 5,559 |
| Memoranda: | ||
| Average total assets | $377,697,000 | 1,726 |
| Average earning assets | $344,714,000 | 1,727 |
| Average equity | $33,528,600 | 2,060 |
| Average total loans | $257,963,600 | 1,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 3,302 |
| Cost of funding earning assets | 0.4692% | 5,649 |
| Net interest margin | 4.1067% | 2,066 |
| Noninterest income to average assets | 0.8251% | 2,138 |
| Noninterest expense to average assets | 3.0644% | 3,000 |
| Loan and lease loss provision to assets | 0.1165% | 4,102 |
| Net operating income to assets | 0.9747% | 2,635 |
| Return on assets (ROA) | 0.9747% | 2,857 |
| Pretax return on assets | 1.4015% | 2,231 |
| Return on Equity (ROE) | 11.0832% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.5733% | 3,683 |
| Net charge-offs to loans | 0.2424% | 3,267 |
| Credit loss provision to net charge-offs | 72.9075% | 3,825 |
| Earnings coverage of net charge-offs (x) | 9.5022% | 2,316 |
| Efficiency ratio | 66.8740% | 4,272 |
| Assets per employee ($millions) | 3.2707% | 5,503 |
| Cash dividends to net income (ytd only)* | 58.7365% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 6,491 |
| Loan loss allowance to noncurrent loans | 50.2412% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6656% | 3,084 |
| Noncurrent loans to loans | 1.7053% | 3,222 |
| Net loans and leases to total assets | 73.0219% | 1,386 |
| Net loans and leases to deposits | 81.1121% | 2,234 |
| Net loans and leases to core deposits | 85.6712% | 2,505 |
| Total domestic deposits to total assets | 90.0259% | 836 |
| Equity capital to assets | 9.3607% | 5,394 |
| Core capital (leverage) ratio | 8.9392% | 5,142 |
| Tier 1 risk-based capital ratio | 13.6884% | 4,759 |
| Total risk-based capital ratio | 14.6079% | 4,945 |
| Memoranda: | ||
| Average total assets | $378,919,750 | 1,737 |
| Average earning assets | $346,679,750 | 1,739 |
| Average equity | $33,322,750 | 2,085 |
| Average total loans | $249,731,750 | 1,663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 3,232 |
| Cost of funding earning assets | 0.6073% | 4,838 |
| Net interest margin | 4.0214% | 2,409 |
| Noninterest income to average assets | 0.6811% | 2,767 |
| Noninterest expense to average assets | 2.9466% | 3,452 |
| Loan and lease loss provision to assets | 0.1198% | 4,031 |
| Net operating income to assets | 0.8632% | 3,068 |
| Return on assets (ROA) | 0.8632% | 3,336 |
| Pretax return on assets | 1.3054% | 2,538 |
| Return on Equity (ROE) | 10.1236% | 2,309 |
| Retained earnings to average equity (ytd only) | 3.1896% | 4,492 |
| Net charge-offs to loans | 0.0095% | 5,332 |
| Credit loss provision to net charge-offs | 1,900.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 190 |
| Efficiency ratio | 67.3999% | 4,257 |
| Assets per employee ($millions) | 3.6409% | 4,658 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 6,154 |
| Loan loss allowance to noncurrent loans | 48.2396% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.8729% | 2,942 |
| Noncurrent loans to loans | 2.0760% | 2,856 |
| Net loans and leases to total assets | 66.8557% | 2,494 |
| Net loans and leases to deposits | 73.5136% | 3,376 |
| Net loans and leases to core deposits | 78.2668% | 3,471 |
| Total domestic deposits to total assets | 90.9434% | 468 |
| Equity capital to assets | 8.6832% | 6,045 |
| Core capital (leverage) ratio | 8.7876% | 5,235 |
| Tier 1 risk-based capital ratio | 14.7733% | 3,916 |
| Total risk-based capital ratio | 15.9091% | 3,956 |
| Memoranda: | ||
| Average total assets | $253,712,670 | 2,513 |
| Average earning assets | $232,852,330 | 2,497 |
| Average equity | $21,632,670 | 3,026 |
| Average total loans | $168,918,000 | 2,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 3,223 |
| Cost of funding earning assets | 0.6382% | 4,831 |
| Net interest margin | 4.0193% | 2,423 |
| Noninterest income to average assets | 0.6213% | 3,096 |
| Noninterest expense to average assets | 2.8852% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9382% | 2,754 |
| Return on assets (ROA) | 0.9382% | 2,957 |
| Pretax return on assets | 1.4214% | 2,117 |
| Return on Equity (ROE) | 11.1039% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.4618% | 2,713 |
| Net charge-offs to loans | 0.0380% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 56.6250% | 573 |
| Efficiency ratio | 66.9945% | 4,360 |
| Assets per employee ($millions) | 3.5288% | 5,054 |
| Cash dividends to net income (ytd only)* | 41.8060% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,501 |
| Loan loss allowance to noncurrent loans | 193.5849% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 4,955 |
| Noncurrent loans to loans | 0.4725% | 5,730 |
| Net loans and leases to total assets | 64.7182% | 2,711 |
| Net loans and leases to deposits | 71.0842% | 3,577 |
| Net loans and leases to core deposits | 75.8840% | 3,633 |
| Total domestic deposits to total assets | 91.0445% | 538 |
| Equity capital to assets | 8.4594% | 6,120 |
| Core capital (leverage) ratio | 8.7455% | 5,212 |
| Tier 1 risk-based capital ratio | 14.9070% | 3,819 |
| Total risk-based capital ratio | 15.9450% | 3,919 |
| Memoranda: | ||
| Average total assets | $254,959,000 | 2,521 |
| Average earning assets | $233,771,500 | 2,500 |
| Average equity | $21,542,000 | 3,031 |
| Average total loans | $168,550,000 | 2,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2244% | 1,966 |
| Cost of funding earning assets | 0.7849% | 4,974 |
| Net interest margin | 4.4395% | 1,288 |
| Noninterest income to average assets | 0.7602% | 2,279 |
| Noninterest expense to average assets | 3.3346% | 2,405 |
| Loan and lease loss provision to assets | 0.0967% | 5,380 |
| Net operating income to assets | 0.9203% | 2,523 |
| Return on assets (ROA) | 0.9203% | 2,638 |
| Pretax return on assets | 1.3877% | 1,817 |
| Return on Equity (ROE) | 9.7139% | 2,153 |
| Retained earnings to average equity (ytd only) | 2.5201% | 4,434 |
| Net charge-offs to loans | 0.1978% | 4,560 |
| Credit loss provision to net charge-offs | 64.7059% | 5,040 |
| Earnings coverage of net charge-offs (x) | 9.9294% | 1,908 |
| Efficiency ratio | 69.1971% | 4,110 |
| Assets per employee ($millions) | 3.5043% | 5,002 |
| Cash dividends to net income (ytd only)* | 74.0564% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,483 |
| Loan loss allowance to noncurrent loans | 147.2538% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 4,610 |
| Noncurrent loans to loans | 0.6254% | 5,463 |
| Net loans and leases to total assets | 66.3020% | 2,730 |
| Net loans and leases to deposits | 72.7494% | 3,700 |
| Net loans and leases to core deposits | 77.5868% | 3,733 |
| Total domestic deposits to total assets | 91.1376% | 448 |
| Equity capital to assets | 8.4388% | 6,213 |
| Core capital (leverage) ratio | 8.6827% | 5,278 |
| Tier 1 risk-based capital ratio | 14.7303% | 3,809 |
| Total risk-based capital ratio | 15.7833% | 3,925 |
| Memoranda: | ||
| Average total assets | $227,431,000 | 2,758 |
| Average earning assets | $207,928,800 | 2,752 |
| Average equity | $21,546,400 | 2,941 |
| Average total loans | $171,875,800 | 2,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 1,628 |
| Cost of funding earning assets | 0.8065% | 5,106 |
| Net interest margin | 4.5586% | 1,022 |
| Noninterest income to average assets | 0.7269% | 2,440 |
| Noninterest expense to average assets | 3.3337% | 2,390 |
| Loan and lease loss provision to assets | 0.0946% | 5,281 |
| Net operating income to assets | 0.9674% | 2,447 |
| Return on assets (ROA) | 0.9674% | 2,615 |
| Pretax return on assets | 1.4616% | 1,756 |
| Return on Equity (ROE) | 9.9026% | 2,232 |
| Retained earnings to average equity (ytd only) | 1.8818% | 5,201 |
| Net charge-offs to loans | 0.1413% | 4,653 |
| Credit loss provision to net charge-offs | 85.7923% | 3,930 |
| Earnings coverage of net charge-offs (x) | 14.1095% | 1,556 |
| Efficiency ratio | 68.1745% | 4,282 |
| Assets per employee ($millions) | 3.4341% | 5,155 |
| Cash dividends to net income (ytd only)* | 80.9968% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,350 |
| Loan loss allowance to noncurrent loans | 169.6502% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 4,788 |
| Noncurrent loans to loans | 0.5783% | 5,719 |
| Net loans and leases to total assets | 66.3901% | 2,802 |
| Net loans and leases to deposits | 72.8788% | 3,824 |
| Net loans and leases to core deposits | 77.4811% | 3,978 |
| Total domestic deposits to total assets | 91.0966% | 407 |
| Equity capital to assets | 8.5567% | 6,243 |
| Core capital (leverage) ratio | 9.1100% | 4,772 |
| Tier 1 risk-based capital ratio | 14.5656% | 3,931 |
| Total risk-based capital ratio | 15.6903% | 3,991 |
| Memoranda: | ||
| Average total assets | $221,210,750 | 2,830 |
| Average earning assets | $202,017,000 | 2,832 |
| Average equity | $21,610,000 | 2,931 |
| Average total loans | $172,634,000 | 2,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6462% | 973 |
| Cost of funding earning assets | 0.8364% | 5,154 |
| Net interest margin | 4.8098% | 593 |
| Noninterest income to average assets | 0.7437% | 2,292 |
| Noninterest expense to average assets | 3.4355% | 2,169 |
| Loan and lease loss provision to assets | 0.1476% | 4,468 |
| Net operating income to assets | 1.0190% | 2,144 |
| Return on assets (ROA) | 1.0190% | 2,237 |
| Pretax return on assets | 1.5403% | 1,401 |
| Return on Equity (ROE) | 9.9432% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.9432% | 855 |
| Net charge-offs to loans | 0.1102% | 4,593 |
| Credit loss provision to net charge-offs | 162.5000% | 1,866 |
| Earnings coverage of net charge-offs (x) | 18.5833% | 1,252 |
| Efficiency ratio | 67.0545% | 4,694 |
| Assets per employee ($millions) | 3.1129% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 6,292 |
| Loan loss allowance to noncurrent loans | 102.2995% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 4,660 |
| Noncurrent loans to loans | 0.9847% | 5,016 |
| Net loans and leases to total assets | 75.0295% | 1,238 |
| Net loans and leases to deposits | 83.6898% | 2,154 |
| Net loans and leases to core deposits | 89.8204% | 2,395 |
| Total domestic deposits to total assets | 89.6519% | 1,150 |
| Equity capital to assets | 9.7844% | 4,406 |
| Core capital (leverage) ratio | 10.0303% | 3,226 |
| Tier 1 risk-based capital ratio | 15.1959% | 3,401 |
| Total risk-based capital ratio | 16.3874% | 3,393 |
| Memoranda: | ||
| Average total assets | $211,384,000 | 2,959 |
| Average earning assets | $192,482,670 | 2,963 |
| Average equity | $21,663,000 | 2,908 |
| Average total loans | $174,151,000 | 2,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8537% | 664 |
| Cost of funding earning assets | 0.8316% | 5,381 |
| Net interest margin | 5.0221% | 367 |
| Noninterest income to average assets | 0.7274% | 2,406 |
| Noninterest expense to average assets | 3.5565% | 1,860 |
| Loan and lease loss provision to assets | 0.3067% | 2,715 |
| Net operating income to assets | 0.9417% | 2,391 |
| Return on assets (ROA) | 0.9417% | 2,455 |
| Pretax return on assets | 1.4234% | 1,662 |
| Return on Equity (ROE) | 8.9627% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.9627% | 1,391 |
| Net charge-offs to loans | 0.0434% | 4,511 |
| Credit loss provision to net charge-offs | 821.0526% | 469 |
| Earnings coverage of net charge-offs (x) | 46.3158% | 608 |
| Efficiency ratio | 67.2741% | 4,795 |
| Assets per employee ($millions) | 2.8841% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 6,309 |
| Loan loss allowance to noncurrent loans | 74.4454% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 4,203 |
| Noncurrent loans to loans | 1.3713% | 4,413 |
| Net loans and leases to total assets | 84.6020% | 198 |
| Net loans and leases to deposits | 94.8832% | 756 |
| Net loans and leases to core deposits | 103.7911% | 1,075 |
| Total domestic deposits to total assets | 89.1643% | 1,666 |
| Equity capital to assets | 10.4109% | 3,273 |
| Core capital (leverage) ratio | 10.4305% | 2,674 |
| Tier 1 risk-based capital ratio | 14.1646% | 3,961 |
| Total risk-based capital ratio | 15.3567% | 3,974 |
| Memoranda: | ||
| Average total assets | $203,456,000 | 3,075 |
| Average earning assets | $184,704,000 | 3,083 |
| Average equity | $21,377,500 | 2,930 |
| Average total loans | $175,110,500 | 2,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8986% | 1,050 |
| Cost of funding earning assets | 0.9649% | 5,866 |
| Net interest margin | 4.9337% | 506 |
| Noninterest income to average assets | 0.7947% | 2,314 |
| Noninterest expense to average assets | 3.5822% | 1,968 |
| Loan and lease loss provision to assets | 0.5454% | 2,957 |
| Net operating income to assets | 0.7796% | 2,886 |
| Return on assets (ROA) | 0.7796% | 3,012 |
| Pretax return on assets | 1.1759% | 2,308 |
| Return on Equity (ROE) | 7.5249% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.5249% | 1,140 |
| Net charge-offs to loans | 0.8635% | 2,472 |
| Credit loss provision to net charge-offs | 74.6382% | 5,747 |
| Earnings coverage of net charge-offs (x) | 2.3556% | 3,969 |
| Efficiency ratio | 67.5434% | 4,661 |
| Assets per employee ($millions) | 2.6926% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,490 |
| Loan loss allowance to noncurrent loans | 104.7530% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 4,934 |
| Noncurrent loans to loans | 0.9257% | 5,200 |
| Net loans and leases to total assets | 85.8458% | 192 |
| Net loans and leases to deposits | 96.4206% | 834 |
| Net loans and leases to core deposits | 105.1366% | 1,245 |
| Total domestic deposits to total assets | 89.0326% | 1,647 |
| Equity capital to assets | 10.6075% | 3,059 |
| Core capital (leverage) ratio | 10.6159% | 2,449 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,771 |
| Total risk-based capital ratio | 15.2718% | 3,824 |
| Memoranda: | ||
| Average total assets | $198,565,200 | 3,120 |
| Average earning assets | $181,467,600 | 3,106 |
| Average equity | $20,571,800 | 3,067 |
| Average total loans | $168,031,800 | 2,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 1,154 |
| Cost of funding earning assets | 0.9958% | 5,956 |
| Net interest margin | 4.8969% | 557 |
| Noninterest income to average assets | 0.8125% | 2,166 |
| Noninterest expense to average assets | 3.5256% | 1,976 |
| Loan and lease loss provision to assets | 0.5625% | 2,695 |
| Net operating income to assets | 0.7997% | 2,995 |
| Return on assets (ROA) | 0.7997% | 3,156 |
| Pretax return on assets | 1.2057% | 2,465 |
| Return on Equity (ROE) | 7.7659% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.7659% | 1,498 |
| Net charge-offs to loans | 0.9429% | 2,108 |
| Credit loss provision to net charge-offs | 70.9322% | 5,390 |
| Earnings coverage of net charge-offs (x) | 2.2297% | 4,059 |
| Efficiency ratio | 66.5990% | 4,730 |
| Assets per employee ($millions) | 2.7240% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 6,248 |
| Loan loss allowance to noncurrent loans | 113.4089% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 5,066 |
| Noncurrent loans to loans | 0.9115% | 5,420 |
| Net loans and leases to total assets | 84.1499% | 321 |
| Net loans and leases to deposits | 94.7025% | 1,125 |
| Net loans and leases to core deposits | 102.4913% | 1,603 |
| Total domestic deposits to total assets | 88.8571% | 1,475 |
| Equity capital to assets | 10.8642% | 3,095 |
| Core capital (leverage) ratio | 10.6241% | 2,572 |
| Tier 1 risk-based capital ratio | 14.7153% | 3,384 |
| Total risk-based capital ratio | 15.9243% | 3,386 |
| Memoranda: | ||
| Average total assets | $198,392,750 | 3,164 |
| Average earning assets | $181,554,250 | 3,151 |
| Average equity | $20,430,750 | 3,131 |
| Average total loans | $166,858,000 | 2,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 1,234 |
| Cost of funding earning assets | 0.9981% | 6,153 |
| Net interest margin | 4.8812% | 560 |
| Noninterest income to average assets | 0.8158% | 2,039 |
| Noninterest expense to average assets | 3.4580% | 2,128 |
| Loan and lease loss provision to assets | 0.8368% | 1,736 |
| Net operating income to assets | 0.6568% | 3,599 |
| Return on assets (ROA) | 0.6568% | 3,752 |
| Pretax return on assets | 0.9847% | 3,177 |
| Return on Equity (ROE) | 6.4931% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.4931% | 2,075 |
| Net charge-offs to loans | 1.5150% | 1,261 |
| Credit loss provision to net charge-offs | 65.9055% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.4346% | 4,414 |
| Efficiency ratio | 65.4990% | 5,067 |
| Assets per employee ($millions) | 2.7470% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,480 |
| Loan loss allowance to noncurrent loans | 93.0098% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1895% | 4,761 |
| Noncurrent loans to loans | 1.0552% | 5,207 |
| Net loans and leases to total assets | 83.2862% | 408 |
| Net loans and leases to deposits | 93.2935% | 1,366 |
| Net loans and leases to core deposits | 100.4483% | 1,966 |
| Total domestic deposits to total assets | 89.2733% | 1,297 |
| Equity capital to assets | 10.5037% | 3,402 |
| Core capital (leverage) ratio | 9.8985% | 3,285 |
| Tier 1 risk-based capital ratio | 14.2846% | 3,555 |
| Total risk-based capital ratio | 15.4253% | 3,574 |
| Memoranda: | ||
| Average total assets | $200,055,000 | 3,165 |
| Average earning assets | $182,946,670 | 3,160 |
| Average equity | $20,237,000 | 3,147 |
| Average total loans | $167,660,330 | 2,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 2,094 |
| Cost of funding earning assets | 1.0044% | 6,352 |
| Net interest margin | 4.6094% | 931 |
| Noninterest income to average assets | 0.8550% | 1,793 |
| Noninterest expense to average assets | 3.3135% | 2,488 |
| Loan and lease loss provision to assets | 0.0276% | 6,401 |
| Net operating income to assets | 1.1453% | 1,687 |
| Return on assets (ROA) | 1.1453% | 1,769 |
| Pretax return on assets | 1.7278% | 1,006 |
| Return on Equity (ROE) | 11.5351% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.5351% | 825 |
| Net charge-offs to loans | 0.0897% | 4,517 |
| Credit loss provision to net charge-offs | 36.8421% | 4,696 |
| Earnings coverage of net charge-offs (x) | 23.3947% | 1,053 |
| Efficiency ratio | 65.3681% | 5,240 |
| Assets per employee ($millions) | 2.9184% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,564 |
| Loan loss allowance to noncurrent loans | 53.0339% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 3,146 |
| Noncurrent loans to loans | 2.2384% | 3,474 |
| Net loans and leases to total assets | 83.4588% | 431 |
| Net loans and leases to deposits | 93.4082% | 1,420 |
| Net loans and leases to core deposits | 100.0685% | 2,122 |
| Total domestic deposits to total assets | 89.3485% | 1,331 |
| Equity capital to assets | 10.1311% | 3,700 |
| Core capital (leverage) ratio | 9.9519% | 3,224 |
| Tier 1 risk-based capital ratio | 13.8472% | 3,767 |
| Total risk-based capital ratio | 15.0951% | 3,727 |
| Memoranda: | ||
| Average total assets | $202,564,500 | 3,186 |
| Average earning assets | $185,185,000 | 3,185 |
| Average equity | $20,112,500 | 3,192 |
| Average total loans | $169,466,500 | 2,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0053% | 1,843 |
| Cost of funding earning assets | 1.3239% | 6,221 |
| Net interest margin | 4.6814% | 867 |
| Noninterest income to average assets | 0.9326% | 1,824 |
| Noninterest expense to average assets | 3.3975% | 2,691 |
| Loan and lease loss provision to assets | 0.4231% | 4,291 |
| Net operating income to assets | 0.9346% | 2,073 |
| Return on assets (ROA) | 0.9453% | 2,077 |
| Pretax return on assets | 1.4235% | 1,375 |
| Return on Equity (ROE) | 9.8943% | 1,722 |
| Retained earnings to average equity (ytd only) | 4.6032% | 2,034 |
| Net charge-offs to loans | 0.3679% | 4,382 |
| Credit loss provision to net charge-offs | 136.0976% | 3,631 |
| Earnings coverage of net charge-offs (x) | 5.8878% | 2,476 |
| Efficiency ratio | 64.9874% | 5,585 |
| Assets per employee ($millions) | 3.1348% | 5,900 |
| Cash dividends to net income (ytd only)* | 53.4759% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,296 |
| Loan loss allowance to noncurrent loans | 55.8960% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 2,984 |
| Noncurrent loans to loans | 2.1646% | 3,439 |
| Net loans and leases to total assets | 81.8663% | 703 |
| Net loans and leases to deposits | 91.2058% | 2,012 |
| Net loans and leases to core deposits | 125.4041% | 1,559 |
| Total domestic deposits to total assets | 89.7600% | 1,076 |
| Equity capital to assets | 9.7291% | 4,105 |
| Core capital (leverage) ratio | 9.6957% | 3,461 |
| Tier 1 risk-based capital ratio | 13.5343% | 3,801 |
| Total risk-based capital ratio | 14.7820% | 3,746 |
| Memoranda: | ||
| Average total assets | $197,823,600 | 3,208 |
| Average earning assets | $181,507,400 | 3,200 |
| Average equity | $18,899,800 | 3,356 |
| Average total loans | $167,146,200 | 2,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 2,393 |
| Cost of funding earning assets | 1.3883% | 6,280 |
| Net interest margin | 4.5250% | 1,132 |
| Noninterest income to average assets | 0.9392% | 1,820 |
| Noninterest expense to average assets | 3.3085% | 2,885 |
| Loan and lease loss provision to assets | 0.5276% | 3,275 |
| Net operating income to assets | 0.8420% | 2,648 |
| Return on assets (ROA) | 0.8563% | 2,654 |
| Pretax return on assets | 1.2882% | 1,981 |
| Return on Equity (ROE) | 9.0059% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.0059% | 837 |
| Net charge-offs to loans | 0.1935% | 4,851 |
| Credit loss provision to net charge-offs | 321.0744% | 1,281 |
| Earnings coverage of net charge-offs (x) | 10.9173% | 1,901 |
| Efficiency ratio | 64.8390% | 5,584 |
| Assets per employee ($millions) | 3.7551% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 3,963 |
| Loan loss allowance to noncurrent loans | 47.7794% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.6113% | 2,667 |
| Noncurrent loans to loans | 2.9236% | 2,610 |
| Net loans and leases to total assets | 83.5638% | 598 |
| Net loans and leases to deposits | 93.5029% | 1,966 |
| Net loans and leases to core deposits | 140.2855% | 907 |
| Total domestic deposits to total assets | 89.3703% | 1,028 |
| Equity capital to assets | 9.8016% | 4,352 |
| Core capital (leverage) ratio | 10.0024% | 3,279 |
| Tier 1 risk-based capital ratio | 13.6417% | 3,754 |
| Total risk-based capital ratio | 14.8965% | 3,693 |
| Memoranda: | ||
| Average total assets | $196,339,750 | 3,243 |
| Average earning assets | $180,650,250 | 3,229 |
| Average equity | $18,668,750 | 3,425 |
| Average total loans | $166,719,500 | 2,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 2,937 |
| Cost of funding earning assets | 1.4852% | 6,197 |
| Net interest margin | 4.3394% | 1,550 |
| Noninterest income to average assets | 0.9036% | 1,974 |
| Noninterest expense to average assets | 3.3789% | 2,694 |
| Loan and lease loss provision to assets | 0.7951% | 2,101 |
| Net operating income to assets | 0.4692% | 4,220 |
| Return on assets (ROA) | 0.4912% | 4,243 |
| Pretax return on assets | 0.7357% | 3,878 |
| Return on Equity (ROE) | 5.2204% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.2204% | 2,387 |
| Net charge-offs to loans | 0.2529% | 3,937 |
| Credit loss provision to net charge-offs | 370.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 6.9714% | 2,520 |
| Efficiency ratio | 69.2824% | 4,928 |
| Assets per employee ($millions) | 3.0363% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,759 |
| Loan loss allowance to noncurrent loans | 52.1284% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.4919% | 2,586 |
| Noncurrent loans to loans | 2.6729% | 2,696 |
| Net loans and leases to total assets | 85.6322% | 421 |
| Net loans and leases to deposits | 95.4318% | 1,884 |
| Net loans and leases to core deposits | 149.5090% | 669 |
| Total domestic deposits to total assets | 89.7314% | 945 |
| Equity capital to assets | 9.4853% | 4,627 |
| Core capital (leverage) ratio | 9.9020% | 3,393 |
| Tier 1 risk-based capital ratio | 12.9231% | 4,202 |
| Total risk-based capital ratio | 14.1778% | 4,113 |
| Memoranda: | ||
| Average total assets | $195,447,000 | 3,272 |
| Average earning assets | $178,964,330 | 3,274 |
| Average equity | $18,389,330 | 3,491 |
| Average total loans | $166,071,670 | 2,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8433% | 3,075 |
| Cost of funding earning assets | 1.6556% | 5,793 |
| Net interest margin | 4.1877% | 1,943 |
| Noninterest income to average assets | 0.8453% | 2,101 |
| Noninterest expense to average assets | 3.3606% | 2,471 |
| Loan and lease loss provision to assets | 1.4561% | 867 |
| Net operating income to assets | -0.0987% | 6,407 |
| Return on assets (ROA) | -0.0987% | 6,526 |
| Pretax return on assets | -0.1584% | 6,526 |
| Return on Equity (ROE) | -1.0536% | 6,543 |
| Retained earnings to average equity (ytd only) | -1.0536% | 5,896 |
| Net charge-offs to loans | 0.1175% | 4,030 |
| Credit loss provision to net charge-offs | 1,475.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 13.1458% | 1,750 |
| Efficiency ratio | 72.1413% | 4,168 |
| Assets per employee ($millions) | 3.0295% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,927 |
| Loan loss allowance to noncurrent loans | 72.6501% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 3,083 |
| Noncurrent loans to loans | 2.0784% | 3,151 |
| Net loans and leases to total assets | 82.1822% | 985 |
| Net loans and leases to deposits | 91.3122% | 2,726 |
| Net loans and leases to core deposits | 134.1210% | 1,410 |
| Total domestic deposits to total assets | 90.0013% | 801 |
| Equity capital to assets | 9.2476% | 5,014 |
| Core capital (leverage) ratio | 9.7107% | 3,740 |
| Tier 1 risk-based capital ratio | 12.2438% | 4,751 |
| Total risk-based capital ratio | 13.4986% | 4,654 |
| Memoranda: | ||
| Average total assets | $194,491,500 | 3,301 |
| Average earning assets | $177,091,000 | 3,315 |
| Average equity | $18,224,000 | 3,532 |
| Average total loans | $163,412,500 | 2,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1112% | 895 |
| Cost of funding earning assets | 2.1653% | 5,754 |
| Net interest margin | 4.9458% | 576 |
| Noninterest income to average assets | 1.0525% | 1,414 |
| Noninterest expense to average assets | 3.6123% | 2,114 |
| Loan and lease loss provision to assets | 0.5067% | 2,782 |
| Net operating income to assets | 1.0106% | 2,508 |
| Return on assets (ROA) | 1.0102% | 2,395 |
| Pretax return on assets | 1.4710% | 1,764 |
| Return on Equity (ROE) | 10.6468% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.6468% | 370 |
| Net charge-offs to loans | 0.3347% | 3,166 |
| Credit loss provision to net charge-offs | 182.6590% | 2,730 |
| Earnings coverage of net charge-offs (x) | 7.1310% | 3,180 |
| Efficiency ratio | 64.6142% | 5,418 |
| Assets per employee ($millions) | 2.9549% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,127 |
| Loan loss allowance to noncurrent loans | 69.9040% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4969% | 3,228 |
| Noncurrent loans to loans | 1.6029% | 3,364 |
| Net loans and leases to total assets | 83.6652% | 942 |
| Net loans and leases to deposits | 93.3134% | 2,899 |
| Net loans and leases to core deposits | 138.0900% | 1,367 |
| Total domestic deposits to total assets | 89.6604% | 780 |
| Equity capital to assets | 9.4956% | 4,702 |
| Core capital (leverage) ratio | 9.7453% | 3,722 |
| Tier 1 risk-based capital ratio | 12.4642% | 4,463 |
| Total risk-based capital ratio | 13.6823% | 4,386 |
| Memoranda: | ||
| Average total assets | $187,084,000 | 3,311 |
| Average earning assets | $171,659,400 | 3,314 |
| Average equity | $17,751,800 | 3,603 |
| Average total loans | $155,071,200 | 2,848 |