Home > First National Bank of Central Texas > Performance and Condition Ratios
First National Bank of Central Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 1,135 |
| Cost of funding earning assets | 1.3765% | 2,289 |
| Net interest margin | 4.1374% | 1,023 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9176% | 3,803 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 2.3668% | 275 |
| Return on assets (ROA) | 2.3668% | 268 |
| Pretax return on assets | 2.3668% | 394 |
| Return on Equity (ROE) | 28.5200% | 206 |
| Retained earnings to average equity (ytd only) | 13.5115% | 444 |
| Net charge-offs to loans | -0.0143% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.7991% | 4,295 |
| Assets per employee ($millions) | 14.6237% | 230 |
| Cash dividends to net income (ytd only)* | 52.6301% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 1,831 |
| Loan loss allowance to noncurrent loans | 3,415.2273% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,493 |
| Noncurrent loans to loans | 0.0377% | 3,458 |
| Net loans and leases to total assets | 72.2700% | 1,550 |
| Net loans and leases to deposits | 89.8223% | 1,278 |
| Net loans and leases to core deposits | 106.0392% | 1,110 |
| Total domestic deposits to total assets | 80.4600% | 3,385 |
| Equity capital to assets | 8.7762% | 2,844 |
| Core capital (leverage) ratio | 9.3267% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2274% | 1,788 |
| Memoranda: | ||
| Average total assets | $1,466,704,000 | 727 |
| Average earning assets | $1,395,375,200 | 703 |
| Average equity | $121,704,000 | 809 |
| Average total loans | $1,146,630,000 | 659 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 1,253 |
| Cost of funding earning assets | 1.2128% | 2,394 |
| Net interest margin | 4.1114% | 1,044 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.9316% | 3,750 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.3825% | 294 |
| Return on assets (ROA) | 2.3825% | 286 |
| Pretax return on assets | 2.3825% | 434 |
| Return on Equity (ROE) | 29.1800% | 242 |
| Retained earnings to average equity (ytd only) | 8.3874% | 1,843 |
| Net charge-offs to loans | -0.0180% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.1036% | 4,263 |
| Assets per employee ($millions) | 14.9430% | 202 |
| Cash dividends to net income (ytd only)* | 71.2559% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,131 |
| Loan loss allowance to noncurrent loans | 535.9381% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 2,450 |
| Noncurrent loans to loans | 0.2324% | 2,420 |
| Net loans and leases to total assets | 72.4200% | 1,523 |
| Net loans and leases to deposits | 90.0262% | 1,237 |
| Net loans and leases to core deposits | 101.6539% | 1,234 |
| Total domestic deposits to total assets | 80.4500% | 3,464 |
| Equity capital to assets | 8.1509% | 2,959 |
| Core capital (leverage) ratio | 9.2873% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3681% | 2,489 |
| Memoranda: | ||
| Average total assets | $1,434,883,500 | 738 |
| Average earning assets | $1,364,904,500 | 718 |
| Average equity | $117,157,250 | 840 |
| Average total loans | $1,141,519,000 | 660 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 1,188 |
| Cost of funding earning assets | 1.0315% | 2,498 |
| Net interest margin | 4.1870% | 948 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 1.9776% | 3,642 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 2.4392% | 260 |
| Return on assets (ROA) | 2.4392% | 256 |
| Pretax return on assets | 2.4392% | 385 |
| Return on Equity (ROE) | 29.8500% | 212 |
| Retained earnings to average equity (ytd only) | 3.8075% | 3,250 |
| Net charge-offs to loans | 0.0053% | 2,074 |
| Credit loss provision to net charge-offs | 4,166.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 608.8333% | 239 |
| Efficiency ratio | 43.0287% | 4,298 |
| Assets per employee ($millions) | 13.7684% | 250 |
| Cash dividends to net income (ytd only)* | 87.2465% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 2,547 |
| Loan loss allowance to noncurrent loans | 512.4534% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,264 |
| Noncurrent loans to loans | 0.2302% | 2,343 |
| Net loans and leases to total assets | 79.6400% | 672 |
| Net loans and leases to deposits | 97.6062% | 635 |
| Net loans and leases to core deposits | 107.7683% | 915 |
| Total domestic deposits to total assets | 81.5900% | 3,314 |
| Equity capital to assets | 7.8642% | 3,302 |
| Core capital (leverage) ratio | 8.5773% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8159% | 2,677 |
| Memoranda: | ||
| Average total assets | $1,395,153,333 | 744 |
| Average earning assets | $1,326,869,667 | 722 |
| Average equity | $113,986,000 | 848 |
| Average total loans | $1,142,126,667 | 644 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 1,340 |
| Cost of funding earning assets | 0.7626% | 2,865 |
| Net interest margin | 4.1798% | 981 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 1.9371% | 3,775 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 2.5061% | 239 |
| Return on assets (ROA) | 2.5061% | 237 |
| Pretax return on assets | 2.5061% | 354 |
| Return on Equity (ROE) | 30.0700% | 236 |
| Retained earnings to average equity (ytd only) | 13.9836% | 941 |
| Net charge-offs to loans | -0.0053% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.3445% | 4,376 |
| Assets per employee ($millions) | 13.6478% | 266 |
| Cash dividends to net income (ytd only)* | 53.4965% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,532 |
| Loan loss allowance to noncurrent loans | 504.5654% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,170 |
| Noncurrent loans to loans | 0.2384% | 2,311 |
| Net loans and leases to total assets | 80.7000% | 480 |
| Net loans and leases to deposits | 94.5652% | 752 |
| Net loans and leases to core deposits | 101.0304% | 1,041 |
| Total domestic deposits to total assets | 85.3400% | 2,761 |
| Equity capital to assets | 8.2664% | 3,066 |
| Core capital (leverage) ratio | 9.3688% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0680% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,369,477,500 | 770 |
| Average earning assets | $1,302,455,500 | 749 |
| Average equity | $114,133,500 | 860 |
| Average total loans | $1,130,661,000 | 654 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 1,523 |
| Cost of funding earning assets | 0.3452% | 2,518 |
| Net interest margin | 3.7316% | 1,301 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.9314% | 3,767 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 2.0419% | 274 |
| Return on assets (ROA) | 2.0419% | 263 |
| Pretax return on assets | 2.0419% | 432 |
| Return on Equity (ROE) | 26.0700% | 177 |
| Retained earnings to average equity (ytd only) | 12.6342% | 564 |
| Net charge-offs to loans | 0.0374% | 1,347 |
| Credit loss provision to net charge-offs | 1,036.8852% | 416 |
| Earnings coverage of net charge-offs (x) | 84.2541% | 1,065 |
| Efficiency ratio | 45.3390% | 4,380 |
| Assets per employee ($millions) | 12.6974% | 326 |
| Cash dividends to net income (ytd only)* | 51.5310% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,386 |
| Loan loss allowance to noncurrent loans | 966.6908% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 2,812 |
| Noncurrent loans to loans | 0.1241% | 2,896 |
| Net loans and leases to total assets | 82.4800% | 371 |
| Net loans and leases to deposits | 91.3360% | 958 |
| Net loans and leases to core deposits | 96.1219% | 1,200 |
| Total domestic deposits to total assets | 90.3100% | 1,236 |
| Equity capital to assets | 8.4055% | 2,769 |
| Core capital (leverage) ratio | 9.0587% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9746% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,324,348,000 | 772 |
| Average earning assets | $1,264,084,600 | 749 |
| Average equity | $103,742,600 | 921 |
| Average total loans | $979,184,200 | 700 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 1,757 |
| Cost of funding earning assets | 0.2901% | 2,279 |
| Net interest margin | 3.5121% | 1,632 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.8653% | 3,831 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 2.0027% | 284 |
| Return on assets (ROA) | 2.0027% | 286 |
| Pretax return on assets | 2.0027% | 465 |
| Return on Equity (ROE) | 26.0500% | 164 |
| Retained earnings to average equity (ytd only) | 7.7693% | 2,095 |
| Net charge-offs to loans | 0.0283% | 1,267 |
| Credit loss provision to net charge-offs | 942.7861% | 421 |
| Earnings coverage of net charge-offs (x) | 108.2289% | 909 |
| Efficiency ratio | 45.9541% | 4,382 |
| Assets per employee ($millions) | 13.7686% | 253 |
| Cash dividends to net income (ytd only)* | 70.1697% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 2,871 |
| Loan loss allowance to noncurrent loans | 390.1579% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 2,135 |
| Noncurrent loans to loans | 0.2902% | 2,204 |
| Net loans and leases to total assets | 75.1600% | 997 |
| Net loans and leases to deposits | 82.3937% | 1,413 |
| Net loans and leases to core deposits | 86.3529% | 1,511 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 7.2194% | 3,395 |
| Core capital (leverage) ratio | 8.2013% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6238% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,322,128,000 | 783 |
| Average earning assets | $1,262,242,750 | 758 |
| Average equity | $101,662,250 | 952 |
| Average total loans | $945,723,750 | 720 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5737% | 1,920 |
| Cost of funding earning assets | 0.2613% | 2,125 |
| Net interest margin | 3.3124% | 1,872 |
| Noninterest income to average assets | 0.7508% | 1,172 |
| Noninterest expense to average assets | 1.8607% | 3,809 |
| Loan and lease loss provision to assets | 0.1858% | 470 |
| Net operating income to assets | 1.8650% | 291 |
| Return on assets (ROA) | 1.8650% | 284 |
| Pretax return on assets | 1.8650% | 502 |
| Return on Equity (ROE) | 23.7566% | 145 |
| Retained earnings to average equity (ytd only) | 5.7412% | 2,419 |
| Net charge-offs to loans | 0.0555% | 831 |
| Credit loss provision to net charge-offs | 478.4314% | 643 |
| Earnings coverage of net charge-offs (x) | 52.8000% | 1,138 |
| Efficiency ratio | 47.5701% | 4,367 |
| Assets per employee ($millions) | 13.7769% | 246 |
| Cash dividends to net income (ytd only)* | 75.8331% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,084 |
| Loan loss allowance to noncurrent loans | 2,728.3208% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,679 |
| Noncurrent loans to loans | 0.0410% | 3,639 |
| Net loans and leases to total assets | 72.7508% | 1,035 |
| Net loans and leases to deposits | 79.9587% | 1,391 |
| Net loans and leases to core deposits | 84.2583% | 1,437 |
| Total domestic deposits to total assets | 90.9855% | 1,252 |
| Equity capital to assets | 7.3201% | 3,591 |
| Core capital (leverage) ratio | 8.0877% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5044% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,313,063,667 | 783 |
| Average earning assets | $1,252,945,667 | 764 |
| Average equity | $103,078,667 | 947 |
| Average total loans | $919,029,667 | 722 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 2,128 |
| Cost of funding earning assets | 0.2435% | 2,232 |
| Net interest margin | 3.1423% | 2,051 |
| Noninterest income to average assets | 0.7212% | 1,248 |
| Noninterest expense to average assets | 1.8421% | 3,831 |
| Loan and lease loss provision to assets | 0.0963% | 860 |
| Net operating income to assets | 1.7809% | 343 |
| Return on assets (ROA) | 1.7809% | 339 |
| Pretax return on assets | 1.7809% | 568 |
| Return on Equity (ROE) | 21.9375% | 158 |
| Retained earnings to average equity (ytd only) | 15.4033% | 266 |
| Net charge-offs to loans | -0.0036% | 3,247 |
| Credit loss provision to net charge-offs | -3,937.5000% | 3,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5273% | 4,339 |
| Assets per employee ($millions) | 12.8249% | 321 |
| Cash dividends to net income (ytd only)* | 29.7854% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,240 |
| Loan loss allowance to noncurrent loans | 1,118.3406% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,369 |
| Noncurrent loans to loans | 0.1001% | 3,338 |
| Net loans and leases to total assets | 68.4762% | 1,167 |
| Net loans and leases to deposits | 75.7054% | 1,478 |
| Net loans and leases to core deposits | 80.1588% | 1,467 |
| Total domestic deposits to total assets | 90.4509% | 1,322 |
| Equity capital to assets | 7.9820% | 3,588 |
| Core capital (leverage) ratio | 8.2401% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9429% | 2,624 |
| Memoranda: | ||
| Average total assets | $1,308,303,000 | 795 |
| Average earning assets | $1,248,273,500 | 777 |
| Average equity | $106,211,000 | 952 |
| Average total loans | $892,006,000 | 730 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 2,739 |
| Cost of funding earning assets | 0.3337% | 2,083 |
| Net interest margin | 3.1399% | 2,765 |
| Noninterest income to average assets | 0.7907% | 1,468 |
| Noninterest expense to average assets | 1.8644% | 4,010 |
| Loan and lease loss provision to assets | 0.2726% | 318 |
| Net operating income to assets | 1.6197% | 759 |
| Return on assets (ROA) | 1.6213% | 798 |
| Pretax return on assets | 1.6213% | 1,368 |
| Return on Equity (ROE) | 19.0115% | 379 |
| Retained earnings to average equity (ytd only) | 8.3269% | 1,417 |
| Net charge-offs to loans | 0.2991% | 291 |
| Credit loss provision to net charge-offs | 130.6704% | 1,576 |
| Earnings coverage of net charge-offs (x) | 9.0715% | 2,275 |
| Efficiency ratio | 49.6289% | 4,310 |
| Assets per employee ($millions) | 12.2231% | 376 |
| Cash dividends to net income (ytd only)* | 56.2006% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,166 |
| Loan loss allowance to noncurrent loans | 13,779.1667% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,117 |
| Noncurrent loans to loans | 0.0083% | 4,044 |
| Net loans and leases to total assets | 66.3224% | 1,433 |
| Net loans and leases to deposits | 73.6116% | 1,761 |
| Net loans and leases to core deposits | 78.9295% | 1,683 |
| Total domestic deposits to total assets | 90.0978% | 911 |
| Equity capital to assets | 8.2571% | 4,203 |
| Core capital (leverage) ratio | 8.2541% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8194% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,194,175,000 | 828 |
| Average earning assets | $1,128,042,000 | 817 |
| Average equity | $101,838,400 | 998 |
| Average total loans | $832,885,000 | 770 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 2,852 |
| Cost of funding earning assets | 0.3510% | 2,107 |
| Net interest margin | 3.1429% | 2,925 |
| Noninterest income to average assets | 0.8804% | 1,288 |
| Noninterest expense to average assets | 1.8351% | 4,093 |
| Loan and lease loss provision to assets | 0.0690% | 1,628 |
| Net operating income to assets | 1.9366% | 521 |
| Return on assets (ROA) | 1.9388% | 541 |
| Pretax return on assets | 1.9388% | 884 |
| Return on Equity (ROE) | 22.5363% | 272 |
| Retained earnings to average equity (ytd only) | 8.1084% | 2,020 |
| Net charge-offs to loans | 0.0011% | 2,400 |
| Credit loss provision to net charge-offs | 8,642.8571% | 89 |
| Earnings coverage of net charge-offs (x) | 2,511.7143% | 56 |
| Efficiency ratio | 47.7799% | 4,382 |
| Assets per employee ($millions) | 11.8863% | 382 |
| Cash dividends to net income (ytd only)* | 64.0209% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,205 |
| Loan loss allowance to noncurrent loans | 3,825.4902% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,630 |
| Noncurrent loans to loans | 0.0301% | 3,986 |
| Net loans and leases to total assets | 67.7888% | 1,344 |
| Net loans and leases to deposits | 75.5006% | 1,714 |
| Net loans and leases to core deposits | 81.3507% | 1,626 |
| Total domestic deposits to total assets | 89.7858% | 870 |
| Equity capital to assets | 8.3388% | 4,314 |
| Core capital (leverage) ratio | 8.3309% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6263% | 3,028 |
| Memoranda: | ||
| Average total assets | $1,168,807,250 | 855 |
| Average earning assets | $1,100,908,250 | 842 |
| Average equity | $100,552,250 | 1,025 |
| Average total loans | $823,800,000 | 797 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 2,897 |
| Cost of funding earning assets | 0.3669% | 2,165 |
| Net interest margin | 3.1307% | 2,951 |
| Noninterest income to average assets | 1.0475% | 1,001 |
| Noninterest expense to average assets | 1.9006% | 3,963 |
| Loan and lease loss provision to assets | 0.0314% | 2,355 |
| Net operating income to assets | 2.0659% | 434 |
| Return on assets (ROA) | 2.0673% | 455 |
| Pretax return on assets | 2.0673% | 728 |
| Return on Equity (ROE) | 23.7672% | 236 |
| Retained earnings to average equity (ytd only) | 7.4778% | 2,260 |
| Net charge-offs to loans | 0.0020% | 2,136 |
| Credit loss provision to net charge-offs | 2,250.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 1,502.6250% | 76 |
| Efficiency ratio | 47.5409% | 4,422 |
| Assets per employee ($millions) | 11.2861% | 429 |
| Cash dividends to net income (ytd only)* | 68.5374% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,724.3993% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,603 |
| Noncurrent loans to loans | 0.0650% | 3,865 |
| Net loans and leases to total assets | 70.7638% | 1,117 |
| Net loans and leases to deposits | 78.9922% | 1,520 |
| Net loans and leases to core deposits | 85.6214% | 1,447 |
| Total domestic deposits to total assets | 89.5834% | 985 |
| Equity capital to assets | 8.6478% | 4,093 |
| Core capital (leverage) ratio | 8.4132% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0517% | 2,947 |
| Memoranda: | ||
| Average total assets | $1,146,350,667 | 863 |
| Average earning assets | $1,080,335,667 | 849 |
| Average equity | $99,709,000 | 1,026 |
| Average total loans | $815,818,667 | 805 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 2,986 |
| Cost of funding earning assets | 0.3872% | 2,203 |
| Net interest margin | 3.0919% | 3,014 |
| Noninterest income to average assets | 1.2668% | 786 |
| Noninterest expense to average assets | 1.7967% | 4,224 |
| Loan and lease loss provision to assets | 0.0316% | 2,355 |
| Net operating income to assets | 2.3453% | 345 |
| Return on assets (ROA) | 2.3453% | 368 |
| Pretax return on assets | 2.3453% | 559 |
| Return on Equity (ROE) | 26.8843% | 207 |
| Retained earnings to average equity (ytd only) | 16.8138% | 441 |
| Net charge-offs to loans | 0.0089% | 1,593 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 375.7778% | 242 |
| Efficiency ratio | 43.0496% | 4,629 |
| Assets per employee ($millions) | 11.6073% | 377 |
| Cash dividends to net income (ytd only)* | 37.4588% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,168 |
| Loan loss allowance to noncurrent loans | 209.9409% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 2,284 |
| Noncurrent loans to loans | 0.5506% | 2,210 |
| Net loans and leases to total assets | 67.9835% | 1,536 |
| Net loans and leases to deposits | 75.6236% | 1,957 |
| Net loans and leases to core deposits | 82.1854% | 1,824 |
| Total domestic deposits to total assets | 89.8972% | 871 |
| Equity capital to assets | 8.7215% | 3,944 |
| Core capital (leverage) ratio | 8.9557% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1410% | 2,612 |
| Memoranda: | ||
| Average total assets | $1,138,292,000 | 858 |
| Average earning assets | $1,070,144,000 | 848 |
| Average equity | $99,299,500 | 1,021 |
| Average total loans | $807,760,000 | 808 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 1,552 |
| Cost of funding earning assets | 0.6003% | 2,306 |
| Net interest margin | 3.8121% | 1,468 |
| Noninterest income to average assets | 0.9388% | 1,172 |
| Noninterest expense to average assets | 1.9963% | 4,147 |
| Loan and lease loss provision to assets | 0.3314% | 1,079 |
| Net operating income to assets | 1.9637% | 282 |
| Return on assets (ROA) | 1.9659% | 302 |
| Pretax return on assets | 1.9659% | 488 |
| Return on Equity (ROE) | 21.8068% | 164 |
| Retained earnings to average equity (ytd only) | 12.9090% | 248 |
| Net charge-offs to loans | 0.3722% | 464 |
| Credit loss provision to net charge-offs | 111.1485% | 2,714 |
| Earnings coverage of net charge-offs (x) | 7.6979% | 2,671 |
| Efficiency ratio | 46.5180% | 4,691 |
| Assets per employee ($millions) | 11.6235% | 350 |
| Cash dividends to net income (ytd only)* | 40.8030% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,360 |
| Loan loss allowance to noncurrent loans | 173.3952% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,143 |
| Noncurrent loans to loans | 0.6462% | 2,062 |
| Net loans and leases to total assets | 72.4135% | 1,237 |
| Net loans and leases to deposits | 80.9179% | 1,773 |
| Net loans and leases to core deposits | 88.3985% | 1,652 |
| Total domestic deposits to total assets | 89.4902% | 775 |
| Equity capital to assets | 8.7257% | 4,272 |
| Core capital (leverage) ratio | 8.9719% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2038% | 2,549 |
| Memoranda: | ||
| Average total assets | $995,808,000 | 887 |
| Average earning assets | $875,769,200 | 930 |
| Average equity | $89,774,800 | 1,058 |
| Average total loans | $797,742,800 | 786 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,151 |
| Cost of funding earning assets | 0.6503% | 2,320 |
| Net interest margin | 4.0130% | 1,086 |
| Noninterest income to average assets | 0.6780% | 1,866 |
| Noninterest expense to average assets | 1.9634% | 4,227 |
| Loan and lease loss provision to assets | 0.4349% | 758 |
| Net operating income to assets | 1.7393% | 528 |
| Return on assets (ROA) | 1.7424% | 581 |
| Pretax return on assets | 1.7424% | 885 |
| Return on Equity (ROE) | 19.1490% | 288 |
| Retained earnings to average equity (ytd only) | 7.0293% | 1,674 |
| Net charge-offs to loans | 0.4577% | 330 |
| Credit loss provision to net charge-offs | 115.7237% | 2,513 |
| Earnings coverage of net charge-offs (x) | 5.7858% | 2,708 |
| Efficiency ratio | 47.4525% | 4,643 |
| Assets per employee ($millions) | 10.8792% | 392 |
| Cash dividends to net income (ytd only)* | 63.2913% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,133 |
| Loan loss allowance to noncurrent loans | 913.5242% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 3,941 |
| Noncurrent loans to loans | 0.1220% | 3,897 |
| Net loans and leases to total assets | 79.4443% | 663 |
| Net loans and leases to deposits | 89.2213% | 1,345 |
| Net loans and leases to core deposits | 97.6003% | 1,337 |
| Total domestic deposits to total assets | 89.0419% | 749 |
| Equity capital to assets | 8.7515% | 4,292 |
| Core capital (leverage) ratio | 8.2751% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4765% | 2,801 |
| Memoranda: | ||
| Average total assets | $965,797,000 | 900 |
| Average earning assets | $832,605,250 | 952 |
| Average equity | $87,877,000 | 1,068 |
| Average total loans | $792,882,250 | 786 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 1,307 |
| Cost of funding earning assets | 0.6645% | 2,596 |
| Net interest margin | 4.0755% | 1,170 |
| Noninterest income to average assets | 0.6957% | 1,750 |
| Noninterest expense to average assets | 2.0805% | 4,077 |
| Loan and lease loss provision to assets | 0.6361% | 475 |
| Net operating income to assets | 1.5422% | 859 |
| Return on assets (ROA) | 1.5422% | 930 |
| Pretax return on assets | 1.5422% | 1,362 |
| Return on Equity (ROE) | 16.7158% | 475 |
| Retained earnings to average equity (ytd only) | 3.8290% | 2,998 |
| Net charge-offs to loans | 0.7019% | 221 |
| Credit loss provision to net charge-offs | 109.5290% | 2,340 |
| Earnings coverage of net charge-offs (x) | 3.7506% | 2,658 |
| Efficiency ratio | 48.8524% | 4,569 |
| Assets per employee ($millions) | 11.1833% | 369 |
| Cash dividends to net income (ytd only)* | 77.0934% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,085 |
| Loan loss allowance to noncurrent loans | 776.0034% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 3,976 |
| Noncurrent loans to loans | 0.1412% | 3,893 |
| Net loans and leases to total assets | 77.1800% | 970 |
| Net loans and leases to deposits | 90.9219% | 1,275 |
| Net loans and leases to core deposits | 99.5389% | 1,290 |
| Total domestic deposits to total assets | 84.8860% | 2,442 |
| Equity capital to assets | 8.2419% | 4,615 |
| Core capital (leverage) ratio | 8.4504% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7488% | 3,034 |
| Memoranda: | ||
| Average total assets | $943,221,000 | 897 |
| Average earning assets | $824,633,000 | 944 |
| Average equity | $87,019,667 | 1,066 |
| Average total loans | $780,399,333 | 785 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 1,202 |
| Cost of funding earning assets | 0.7006% | 2,925 |
| Net interest margin | 4.1952% | 936 |
| Noninterest income to average assets | 0.7030% | 1,642 |
| Noninterest expense to average assets | 2.1692% | 4,082 |
| Loan and lease loss provision to assets | 0.0679% | 2,909 |
| Net operating income to assets | 2.2987% | 153 |
| Return on assets (ROA) | 2.2987% | 169 |
| Pretax return on assets | 2.2987% | 234 |
| Return on Equity (ROE) | 23.4149% | 90 |
| Retained earnings to average equity (ytd only) | 15.6914% | 158 |
| Net charge-offs to loans | 0.0085% | 2,257 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 326.7500% | 213 |
| Efficiency ratio | 47.8244% | 4,766 |
| Assets per employee ($millions) | 9.5590% | 439 |
| Cash dividends to net income (ytd only)* | 32.9854% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,807 |
| Loan loss allowance to noncurrent loans | 98.8962% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 1,289 |
| Noncurrent loans to loans | 1.1870% | 1,381 |
| Net loans and leases to total assets | 84.8469% | 216 |
| Net loans and leases to deposits | 99.5995% | 584 |
| Net loans and leases to core deposits | 110.6435% | 821 |
| Total domestic deposits to total assets | 85.1881% | 2,340 |
| Equity capital to assets | 9.9243% | 3,860 |
| Core capital (leverage) ratio | 10.0709% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2892% | 3,010 |
| Memoranda: | ||
| Average total assets | $883,627,000 | 928 |
| Average earning assets | $807,295,500 | 937 |
| Average equity | $86,748,000 | 1,061 |
| Average total loans | $756,072,000 | 784 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 1,475 |
| Cost of funding earning assets | 0.7693% | 2,829 |
| Net interest margin | 4.2329% | 1,250 |
| Noninterest income to average assets | 0.6986% | 1,826 |
| Noninterest expense to average assets | 2.0756% | 4,401 |
| Loan and lease loss provision to assets | 1.2396% | 73 |
| Net operating income to assets | 1.2777% | 1,780 |
| Return on assets (ROA) | 1.2777% | 1,854 |
| Pretax return on assets | 1.2777% | 2,580 |
| Return on Equity (ROE) | 12.9411% | 1,182 |
| Retained earnings to average equity (ytd only) | -2.6330% | 4,898 |
| Net charge-offs to loans | 1.3514% | 108 |
| Credit loss provision to net charge-offs | 106.6291% | 2,323 |
| Earnings coverage of net charge-offs (x) | 2.1654% | 3,448 |
| Efficiency ratio | 45.1916% | 4,940 |
| Assets per employee ($millions) | 9.3433% | 441 |
| Cash dividends to net income (ytd only)* | 120.3460% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,557 |
| Loan loss allowance to noncurrent loans | 95.3647% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 1,180 |
| Noncurrent loans to loans | 1.2358% | 1,210 |
| Net loans and leases to total assets | 84.2659% | 298 |
| Net loans and leases to deposits | 95.3042% | 1,021 |
| Net loans and leases to core deposits | 104.8765% | 1,172 |
| Total domestic deposits to total assets | 88.4179% | 931 |
| Equity capital to assets | 9.7089% | 4,178 |
| Core capital (leverage) ratio | 9.5309% | 4,026 |
| Tier 1 risk-based capital ratio | 10.8439% | 4,910 |
| Total risk-based capital ratio | 11.9828% | 4,861 |
| Memoranda: | ||
| Average total assets | $855,118,000 | 923 |
| Average earning assets | $786,713,600 | 921 |
| Average equity | $84,428,400 | 1,040 |
| Average total loans | $735,596,400 | 775 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 1,457 |
| Cost of funding earning assets | 0.7762% | 2,837 |
| Net interest margin | 4.2577% | 1,255 |
| Noninterest income to average assets | 0.6953% | 1,807 |
| Noninterest expense to average assets | 2.0372% | 4,483 |
| Loan and lease loss provision to assets | 0.0706% | 2,464 |
| Net operating income to assets | 2.4899% | 165 |
| Return on assets (ROA) | 2.4899% | 175 |
| Pretax return on assets | 2.4899% | 254 |
| Return on Equity (ROE) | 25.1104% | 89 |
| Retained earnings to average equity (ytd only) | 4.4756% | 3,158 |
| Net charge-offs to loans | -0.0069% | 4,290 |
| Credit loss provision to net charge-offs | -1,184.2105% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3082% | 5,001 |
| Assets per employee ($millions) | 9.1065% | 467 |
| Cash dividends to net income (ytd only)* | 82.1764% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,634 |
| Loan loss allowance to noncurrent loans | 2,465.8120% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,510 |
| Noncurrent loans to loans | 0.0477% | 4,432 |
| Net loans and leases to total assets | 84.9807% | 257 |
| Net loans and leases to deposits | 96.7248% | 925 |
| Net loans and leases to core deposits | 105.7885% | 1,197 |
| Total domestic deposits to total assets | 87.8583% | 1,096 |
| Equity capital to assets | 10.0482% | 3,970 |
| Core capital (leverage) ratio | 9.8867% | 3,750 |
| Tier 1 risk-based capital ratio | 10.8527% | 4,967 |
| Total risk-based capital ratio | 11.9599% | 4,931 |
| Memoranda: | ||
| Average total assets | $849,330,750 | 927 |
| Average earning assets | $778,455,250 | 931 |
| Average equity | $84,218,000 | 1,034 |
| Average total loans | $732,269,000 | 778 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 1,505 |
| Cost of funding earning assets | 0.7645% | 2,827 |
| Net interest margin | 4.2283% | 1,291 |
| Noninterest income to average assets | 0.6875% | 1,769 |
| Noninterest expense to average assets | 1.9993% | 4,602 |
| Loan and lease loss provision to assets | 0.0708% | 2,400 |
| Net operating income to assets | 2.5050% | 152 |
| Return on assets (ROA) | 2.5050% | 156 |
| Pretax return on assets | 2.5050% | 238 |
| Return on Equity (ROE) | 25.3768% | 89 |
| Retained earnings to average equity (ytd only) | 2.5138% | 3,938 |
| Net charge-offs to loans | -0.0044% | 4,089 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6990% | 5,074 |
| Assets per employee ($millions) | 9.0119% | 458 |
| Cash dividends to net income (ytd only)* | 90.0943% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,745 |
| Loan loss allowance to noncurrent loans | 3,672.2944% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,635 |
| Noncurrent loans to loans | 0.0316% | 4,559 |
| Net loans and leases to total assets | 87.2314% | 144 |
| Net loans and leases to deposits | 99.2399% | 736 |
| Net loans and leases to core deposits | 108.1658% | 1,088 |
| Total domestic deposits to total assets | 87.8995% | 1,144 |
| Equity capital to assets | 10.1462% | 3,841 |
| Core capital (leverage) ratio | 9.7163% | 3,917 |
| Tier 1 risk-based capital ratio | 10.7451% | 5,021 |
| Total risk-based capital ratio | 11.8425% | 4,984 |
| Memoranda: | ||
| Average total assets | $847,105,330 | 919 |
| Average earning assets | $778,850,000 | 925 |
| Average equity | $83,619,670 | 1,040 |
| Average total loans | $730,993,330 | 775 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 1,607 |
| Cost of funding earning assets | 0.7564% | 2,757 |
| Net interest margin | 4.1373% | 1,461 |
| Noninterest income to average assets | 0.6448% | 1,836 |
| Noninterest expense to average assets | 1.9726% | 4,695 |
| Loan and lease loss provision to assets | 0.0701% | 2,255 |
| Net operating income to assets | 2.3740% | 202 |
| Return on assets (ROA) | 2.3740% | 214 |
| Pretax return on assets | 2.3740% | 312 |
| Return on Equity (ROE) | 24.3784% | 111 |
| Retained earnings to average equity (ytd only) | 11.3999% | 724 |
| Net charge-offs to loans | -0.0088% | 4,182 |
| Credit loss provision to net charge-offs | -937.5000% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6631% | 5,084 |
| Assets per employee ($millions) | 9.2527% | 431 |
| Cash dividends to net income (ytd only)* | 53.2376% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,963 |
| Loan loss allowance to noncurrent loans | 2,532.8267% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,631 |
| Noncurrent loans to loans | 0.0447% | 4,561 |
| Net loans and leases to total assets | 84.6592% | 313 |
| Net loans and leases to deposits | 95.7264% | 999 |
| Net loans and leases to core deposits | 103.6925% | 1,337 |
| Total domestic deposits to total assets | 88.4388% | 1,115 |
| Equity capital to assets | 9.8634% | 3,953 |
| Core capital (leverage) ratio | 9.9381% | 3,668 |
| Tier 1 risk-based capital ratio | 10.8707% | 5,033 |
| Total risk-based capital ratio | 11.9442% | 5,014 |
| Memoranda: | ||
| Average total assets | $856,112,500 | 917 |
| Average earning assets | $780,504,000 | 927 |
| Average equity | $83,369,000 | 1,034 |
| Average total loans | $730,634,500 | 780 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 1,470 |
| Cost of funding earning assets | 0.6152% | 2,618 |
| Net interest margin | 4.2147% | 1,362 |
| Noninterest income to average assets | 0.6339% | 2,135 |
| Noninterest expense to average assets | 2.1472% | 4,455 |
| Loan and lease loss provision to assets | 0.0994% | 2,197 |
| Net operating income to assets | 2.1653% | 266 |
| Return on assets (ROA) | 2.1668% | 261 |
| Pretax return on assets | 2.1668% | 382 |
| Return on Equity (ROE) | 23.7793% | 109 |
| Retained earnings to average equity (ytd only) | 7.9414% | 1,261 |
| Net charge-offs to loans | 0.0059% | 3,495 |
| Credit loss provision to net charge-offs | 2,023.8095% | 218 |
| Earnings coverage of net charge-offs (x) | 460.9524% | 226 |
| Efficiency ratio | 48.6690% | 5,012 |
| Assets per employee ($millions) | 9.1600% | 442 |
| Cash dividends to net income (ytd only)* | 66.6037% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,937 |
| Loan loss allowance to noncurrent loans | 2,395.0147% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,638 |
| Noncurrent loans to loans | 0.0471% | 4,534 |
| Net loans and leases to total assets | 84.0991% | 406 |
| Net loans and leases to deposits | 94.8579% | 1,185 |
| Net loans and leases to core deposits | 102.6853% | 1,526 |
| Total domestic deposits to total assets | 88.6579% | 1,000 |
| Equity capital to assets | 9.6282% | 4,023 |
| Core capital (leverage) ratio | 9.4872% | 4,124 |
| Tier 1 risk-based capital ratio | 10.6571% | 5,122 |
| Total risk-based capital ratio | 11.7163% | 5,093 |
| Memoranda: | ||
| Average total assets | $854,862,000 | 889 |
| Average earning assets | $766,303,200 | 920 |
| Average equity | $77,895,600 | 1,056 |
| Average total loans | $712,467,800 | 776 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 1,510 |
| Cost of funding earning assets | 0.5802% | 2,632 |
| Net interest margin | 4.1849% | 1,399 |
| Noninterest income to average assets | 0.6286% | 2,171 |
| Noninterest expense to average assets | 1.9959% | 4,749 |
| Loan and lease loss provision to assets | 0.1091% | 1,843 |
| Net operating income to assets | 2.2606% | 246 |
| Return on assets (ROA) | 2.2627% | 244 |
| Pretax return on assets | 2.2627% | 363 |
| Return on Equity (ROE) | 25.1866% | 84 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,776 |
| Net charge-offs to loans | 0.0158% | 2,865 |
| Credit loss provision to net charge-offs | 833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 181.0312% | 475 |
| Efficiency ratio | 45.7184% | 5,156 |
| Assets per employee ($millions) | 9.4825% | 384 |
| Cash dividends to net income (ytd only)* | 84.1391% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,296 |
| Loan loss allowance to noncurrent loans | 949.4048% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,481 |
| Noncurrent loans to loans | 0.1139% | 4,381 |
| Net loans and leases to total assets | 82.7274% | 597 |
| Net loans and leases to deposits | 92.2761% | 1,586 |
| Net loans and leases to core deposits | 100.5071% | 1,740 |
| Total domestic deposits to total assets | 89.6520% | 619 |
| Equity capital to assets | 8.7963% | 4,725 |
| Core capital (leverage) ratio | 9.0418% | 4,668 |
| Tier 1 risk-based capital ratio | 9.9292% | 5,394 |
| Total risk-based capital ratio | 10.9407% | 5,395 |
| Memoranda: | ||
| Average total assets | $855,607,500 | 889 |
| Average earning assets | $764,028,750 | 922 |
| Average equity | $76,864,250 | 1,064 |
| Average total loans | $709,437,250 | 774 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 1,507 |
| Cost of funding earning assets | 0.5460% | 2,640 |
| Net interest margin | 4.1560% | 1,393 |
| Noninterest income to average assets | 0.6188% | 2,229 |
| Noninterest expense to average assets | 1.9878% | 4,820 |
| Loan and lease loss provision to assets | 0.0709% | 2,470 |
| Net operating income to assets | 2.2689% | 227 |
| Return on assets (ROA) | 2.2719% | 217 |
| Pretax return on assets | 2.2719% | 348 |
| Return on Equity (ROE) | 25.1082% | 81 |
| Retained earnings to average equity (ytd only) | 1.6495% | 4,588 |
| Net charge-offs to loans | 0.0254% | 2,345 |
| Credit loss provision to net charge-offs | 337.0787% | 927 |
| Earnings coverage of net charge-offs (x) | 111.3146% | 648 |
| Efficiency ratio | 45.9343% | 5,211 |
| Assets per employee ($millions) | 9.3017% | 402 |
| Cash dividends to net income (ytd only)* | 93.4304% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,486 |
| Loan loss allowance to noncurrent loans | 1,005.3121% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,321 |
| Noncurrent loans to loans | 0.1053% | 4,442 |
| Net loans and leases to total assets | 82.6892% | 628 |
| Net loans and leases to deposits | 92.4820% | 1,523 |
| Net loans and leases to core deposits | 101.2187% | 1,638 |
| Total domestic deposits to total assets | 89.4111% | 770 |
| Equity capital to assets | 8.8989% | 4,643 |
| Core capital (leverage) ratio | 9.1125% | 4,570 |
| Tier 1 risk-based capital ratio | 10.0029% | 5,430 |
| Total risk-based capital ratio | 10.9913% | 5,436 |
| Memoranda: | ||
| Average total assets | $846,853,670 | 898 |
| Average earning assets | $755,724,330 | 932 |
| Average equity | $76,628,330 | 1,067 |
| Average total loans | $700,075,670 | 785 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,406 |
| Cost of funding earning assets | 0.5329% | 2,525 |
| Net interest margin | 4.1274% | 1,373 |
| Noninterest income to average assets | 0.6135% | 2,198 |
| Noninterest expense to average assets | 2.0161% | 4,823 |
| Loan and lease loss provision to assets | 0.0712% | 2,336 |
| Net operating income to assets | 2.1961% | 248 |
| Return on assets (ROA) | 2.2023% | 246 |
| Pretax return on assets | 2.2023% | 381 |
| Return on Equity (ROE) | 24.1355% | 102 |
| Retained earnings to average equity (ytd only) | 9.8821% | 1,197 |
| Net charge-offs to loans | -0.0271% | 4,698 |
| Credit loss provision to net charge-offs | -319.1489% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0680% | 5,230 |
| Assets per employee ($millions) | 9.3060% | 404 |
| Cash dividends to net income (ytd only)* | 59.0556% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,572 |
| Loan loss allowance to noncurrent loans | 981.2987% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,630 |
| Noncurrent loans to loans | 0.1086% | 4,489 |
| Net loans and leases to total assets | 81.9463% | 671 |
| Net loans and leases to deposits | 91.5302% | 1,500 |
| Net loans and leases to core deposits | 98.1221% | 1,827 |
| Total domestic deposits to total assets | 89.5292% | 874 |
| Equity capital to assets | 9.0426% | 4,509 |
| Core capital (leverage) ratio | 9.2703% | 4,356 |
| Tier 1 risk-based capital ratio | 10.3779% | 5,392 |
| Total risk-based capital ratio | 11.3847% | 5,396 |
| Memoranda: | ||
| Average total assets | $842,403,000 | 911 |
| Average earning assets | $749,049,500 | 946 |
| Average equity | $76,866,000 | 1,068 |
| Average total loans | $692,520,000 | 794 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 1,627 |
| Cost of funding earning assets | 0.5106% | 2,247 |
| Net interest margin | 4.0158% | 1,704 |
| Noninterest income to average assets | 0.6033% | 2,432 |
| Noninterest expense to average assets | 2.1267% | 4,704 |
| Loan and lease loss provision to assets | 0.0755% | 2,690 |
| Net operating income to assets | 2.0253% | 266 |
| Return on assets (ROA) | 2.0260% | 271 |
| Pretax return on assets | 2.0260% | 461 |
| Return on Equity (ROE) | 22.1676% | 123 |
| Retained earnings to average equity (ytd only) | 7.3896% | 956 |
| Net charge-offs to loans | 0.0202% | 3,433 |
| Credit loss provision to net charge-offs | 454.5455% | 691 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 540 |
| Efficiency ratio | 50.3065% | 5,205 |
| Assets per employee ($millions) | 9.1060% | 436 |
| Cash dividends to net income (ytd only)* | 66.6646% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,411 |
| Loan loss allowance to noncurrent loans | 805.1422% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,566 |
| Noncurrent loans to loans | 0.1352% | 4,387 |
| Net loans and leases to total assets | 80.6778% | 876 |
| Net loans and leases to deposits | 90.3599% | 1,735 |
| Net loans and leases to core deposits | 97.5918% | 1,891 |
| Total domestic deposits to total assets | 89.2850% | 876 |
| Equity capital to assets | 9.2093% | 4,518 |
| Core capital (leverage) ratio | 9.1648% | 4,442 |
| Tier 1 risk-based capital ratio | 10.4579% | 5,381 |
| Total risk-based capital ratio | 11.4708% | 5,392 |
| Memoranda: | ||
| Average total assets | $794,832,000 | 937 |
| Average earning assets | $717,348,600 | 958 |
| Average equity | $72,642,200 | 1,094 |
| Average total loans | $655,053,600 | 798 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,622 |
| Cost of funding earning assets | 0.5000% | 2,261 |
| Net interest margin | 4.0063% | 1,677 |
| Noninterest income to average assets | 0.6133% | 2,401 |
| Noninterest expense to average assets | 2.1294% | 4,668 |
| Loan and lease loss provision to assets | 0.0763% | 2,548 |
| Net operating income to assets | 2.0414% | 295 |
| Return on assets (ROA) | 2.0422% | 300 |
| Pretax return on assets | 2.0422% | 505 |
| Return on Equity (ROE) | 22.3907% | 125 |
| Retained earnings to average equity (ytd only) | 2.4352% | 4,431 |
| Net charge-offs to loans | -0.0064% | 4,507 |
| Credit loss provision to net charge-offs | -1,451.6129% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1377% | 5,241 |
| Assets per employee ($millions) | 9.2045% | 401 |
| Cash dividends to net income (ytd only)* | 89.1241% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,413 |
| Loan loss allowance to noncurrent loans | 2,036.4641% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,921 |
| Noncurrent loans to loans | 0.0548% | 4,866 |
| Net loans and leases to total assets | 78.9225% | 1,132 |
| Net loans and leases to deposits | 88.2117% | 2,027 |
| Net loans and leases to core deposits | 94.2572% | 2,253 |
| Total domestic deposits to total assets | 89.4694% | 668 |
| Equity capital to assets | 8.7968% | 5,083 |
| Core capital (leverage) ratio | 9.0009% | 4,734 |
| Tier 1 risk-based capital ratio | 10.4075% | 5,483 |
| Total risk-based capital ratio | 11.4744% | 5,491 |
| Memoranda: | ||
| Average total assets | $786,377,500 | 952 |
| Average earning assets | $713,266,250 | 969 |
| Average equity | $71,724,500 | 1,116 |
| Average total loans | $649,843,000 | 809 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,648 |
| Cost of funding earning assets | 0.4902% | 2,251 |
| Net interest margin | 3.9645% | 1,727 |
| Noninterest income to average assets | 0.6352% | 2,289 |
| Noninterest expense to average assets | 2.1456% | 4,684 |
| Loan and lease loss provision to assets | 0.0777% | 2,426 |
| Net operating income to assets | 2.0578% | 274 |
| Return on assets (ROA) | 2.0591% | 279 |
| Pretax return on assets | 2.0591% | 483 |
| Return on Equity (ROE) | 22.2927% | 126 |
| Retained earnings to average equity (ytd only) | 0.0561% | 5,059 |
| Net charge-offs to loans | -0.0090% | 4,497 |
| Credit loss provision to net charge-offs | -1,034.4828% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1179% | 5,299 |
| Assets per employee ($millions) | 8.7126% | 462 |
| Cash dividends to net income (ytd only)* | 99.7485% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,469 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1246% | 1,543 |
| Noncurrent loans to loans | 1.3430% | 1,437 |
| Net loans and leases to total assets | 81.3507% | 764 |
| Net loans and leases to deposits | 91.1768% | 1,586 |
| Net loans and leases to core deposits | 97.4822% | 1,850 |
| Total domestic deposits to total assets | 89.2230% | 845 |
| Equity capital to assets | 9.1353% | 4,768 |
| Core capital (leverage) ratio | 9.1093% | 4,604 |
| Tier 1 risk-based capital ratio | 10.4933% | 5,460 |
| Total risk-based capital ratio | 11.5659% | 5,467 |
| Memoranda: | ||
| Average total assets | $772,368,000 | 970 |
| Average earning assets | $710,305,330 | 975 |
| Average equity | $71,341,670 | 1,121 |
| Average total loans | $646,067,000 | 815 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 1,704 |
| Cost of funding earning assets | 0.4996% | 2,089 |
| Net interest margin | 3.8830% | 1,839 |
| Noninterest income to average assets | 0.6748% | 2,061 |
| Noninterest expense to average assets | 2.1255% | 4,802 |
| Loan and lease loss provision to assets | 0.0783% | 2,247 |
| Net operating income to assets | 2.0728% | 272 |
| Return on assets (ROA) | 2.0728% | 280 |
| Pretax return on assets | 2.0728% | 438 |
| Return on Equity (ROE) | 22.3159% | 140 |
| Retained earnings to average equity (ytd only) | 8.0791% | 1,428 |
| Net charge-offs to loans | -0.0056% | 4,218 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7010% | 5,392 |
| Assets per employee ($millions) | 8.2051% | 568 |
| Cash dividends to net income (ytd only)* | 63.7966% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,775 |
| Loan loss allowance to noncurrent loans | 206.6237% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 3,211 |
| Noncurrent loans to loans | 0.5267% | 3,233 |
| Net loans and leases to total assets | 83.0749% | 451 |
| Net loans and leases to deposits | 94.1443% | 1,092 |
| Net loans and leases to core deposits | 99.6530% | 1,529 |
| Total domestic deposits to total assets | 88.2422% | 1,562 |
| Equity capital to assets | 9.3450% | 4,447 |
| Core capital (leverage) ratio | 9.0808% | 4,648 |
| Tier 1 risk-based capital ratio | 10.6648% | 5,477 |
| Total risk-based capital ratio | 11.7083% | 5,486 |
| Memoranda: | ||
| Average total assets | $766,487,000 | 976 |
| Average earning assets | $710,997,000 | 972 |
| Average equity | $71,196,000 | 1,117 |
| Average total loans | $646,543,000 | 816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 1,944 |
| Cost of funding earning assets | 0.4951% | 2,122 |
| Net interest margin | 3.8673% | 2,075 |
| Noninterest income to average assets | 0.6683% | 2,324 |
| Noninterest expense to average assets | 2.0827% | 5,029 |
| Loan and lease loss provision to assets | 0.1086% | 2,239 |
| Net operating income to assets | 1.9671% | 343 |
| Return on assets (ROA) | 1.9742% | 359 |
| Pretax return on assets | 1.9742% | 533 |
| Return on Equity (ROE) | 21.7529% | 155 |
| Retained earnings to average equity (ytd only) | 4.8883% | 2,419 |
| Net charge-offs to loans | 0.0147% | 3,800 |
| Credit loss provision to net charge-offs | 926.9663% | 407 |
| Earnings coverage of net charge-offs (x) | 177.2135% | 366 |
| Efficiency ratio | 50.0854% | 5,482 |
| Assets per employee ($millions) | 7.9343% | 627 |
| Cash dividends to net income (ytd only)* | 77.5282% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,906 |
| Loan loss allowance to noncurrent loans | 264.4282% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,879 |
| Noncurrent loans to loans | 0.4038% | 3,703 |
| Net loans and leases to total assets | 83.8138% | 400 |
| Net loans and leases to deposits | 93.9541% | 1,198 |
| Net loans and leases to core deposits | 99.4800% | 1,662 |
| Total domestic deposits to total assets | 89.2072% | 1,007 |
| Equity capital to assets | 9.2316% | 4,537 |
| Core capital (leverage) ratio | 9.1727% | 4,518 |
| Tier 1 risk-based capital ratio | 10.7867% | 5,439 |
| Total risk-based capital ratio | 11.8394% | 5,459 |
| Memoranda: | ||
| Average total assets | $759,861,200 | 954 |
| Average earning assets | $685,758,200 | 972 |
| Average equity | $68,961,000 | 1,139 |
| Average total loans | $604,694,400 | 822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 1,967 |
| Cost of funding earning assets | 0.4986% | 2,115 |
| Net interest margin | 3.8639% | 2,104 |
| Noninterest income to average assets | 0.6863% | 2,231 |
| Noninterest expense to average assets | 2.0614% | 5,083 |
| Loan and lease loss provision to assets | 0.1185% | 1,952 |
| Net operating income to assets | 1.9654% | 358 |
| Return on assets (ROA) | 1.9741% | 369 |
| Pretax return on assets | 1.9741% | 610 |
| Return on Equity (ROE) | 21.8466% | 163 |
| Retained earnings to average equity (ytd only) | -0.7500% | 5,469 |
| Net charge-offs to loans | -0.0108% | 4,790 |
| Credit loss provision to net charge-offs | -1,406.2500% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7289% | 5,523 |
| Assets per employee ($millions) | 7.7551% | 653 |
| Cash dividends to net income (ytd only)* | 103.4329% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,740 |
| Loan loss allowance to noncurrent loans | 389.4677% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 4,525 |
| Noncurrent loans to loans | 0.2872% | 4,236 |
| Net loans and leases to total assets | 79.1853% | 1,011 |
| Net loans and leases to deposits | 88.8651% | 1,912 |
| Net loans and leases to core deposits | 93.8470% | 2,203 |
| Total domestic deposits to total assets | 89.1074% | 851 |
| Equity capital to assets | 8.9385% | 5,222 |
| Core capital (leverage) ratio | 8.7160% | 5,143 |
| Tier 1 risk-based capital ratio | 10.4821% | 5,629 |
| Total risk-based capital ratio | 11.5605% | 5,627 |
| Memoranda: | ||
| Average total assets | $759,403,500 | 950 |
| Average earning assets | $679,816,750 | 980 |
| Average equity | $68,622,250 | 1,148 |
| Average total loans | $594,544,500 | 840 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 1,929 |
| Cost of funding earning assets | 0.4953% | 2,139 |
| Net interest margin | 3.8692% | 2,085 |
| Noninterest income to average assets | 0.6807% | 2,229 |
| Noninterest expense to average assets | 2.0658% | 5,131 |
| Loan and lease loss provision to assets | 0.1388% | 1,635 |
| Net operating income to assets | 1.9452% | 364 |
| Return on assets (ROA) | 1.9584% | 376 |
| Pretax return on assets | 1.9584% | 625 |
| Return on Equity (ROE) | 21.5940% | 171 |
| Retained earnings to average equity (ytd only) | -4.5904% | 5,734 |
| Net charge-offs to loans | -0.0354% | 5,207 |
| Credit loss provision to net charge-offs | -504.8077% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7802% | 5,576 |
| Assets per employee ($millions) | 7.4295% | 724 |
| Cash dividends to net income (ytd only)* | 121.2579% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,811 |
| Loan loss allowance to noncurrent loans | 348.4335% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 4,442 |
| Noncurrent loans to loans | 0.3229% | 4,213 |
| Net loans and leases to total assets | 81.0657% | 738 |
| Net loans and leases to deposits | 91.1532% | 1,612 |
| Net loans and leases to core deposits | 96.4519% | 1,937 |
| Total domestic deposits to total assets | 88.9335% | 949 |
| Equity capital to assets | 9.1685% | 5,098 |
| Core capital (leverage) ratio | 8.6263% | 5,238 |
| Tier 1 risk-based capital ratio | 10.7769% | 5,538 |
| Total risk-based capital ratio | 11.8902% | 5,522 |
| Memoranda: | ||
| Average total assets | $756,619,000 | 953 |
| Average earning assets | $678,379,000 | 984 |
| Average equity | $68,621,000 | 1,152 |
| Average total loans | $587,783,000 | 844 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 1,962 |
| Cost of funding earning assets | 0.4923% | 2,164 |
| Net interest margin | 3.8581% | 2,078 |
| Noninterest income to average assets | 0.6909% | 2,083 |
| Noninterest expense to average assets | 2.0016% | 5,335 |
| Loan and lease loss provision to assets | 0.1825% | 1,099 |
| Net operating income to assets | 1.9307% | 375 |
| Return on assets (ROA) | 1.9365% | 397 |
| Pretax return on assets | 1.9365% | 645 |
| Return on Equity (ROE) | 21.4640% | 180 |
| Retained earnings to average equity (ytd only) | 11.5353% | 573 |
| Net charge-offs to loans | 0.0034% | 3,003 |
| Credit loss provision to net charge-offs | 7,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 810.6000% | 58 |
| Efficiency ratio | 48.6442% | 5,697 |
| Assets per employee ($millions) | 7.7007% | 638 |
| Cash dividends to net income (ytd only)* | 46.2574% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,045 |
| Loan loss allowance to noncurrent loans | 279.9311% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 4,341 |
| Noncurrent loans to loans | 0.3930% | 4,031 |
| Net loans and leases to total assets | 77.4354% | 1,178 |
| Net loans and leases to deposits | 87.0959% | 1,930 |
| Net loans and leases to core deposits | 91.7131% | 2,211 |
| Total domestic deposits to total assets | 88.9082% | 1,152 |
| Equity capital to assets | 9.3351% | 4,855 |
| Core capital (leverage) ratio | 9.1161% | 4,714 |
| Tier 1 risk-based capital ratio | 11.3547% | 5,307 |
| Total risk-based capital ratio | 12.4205% | 5,323 |
| Memoranda: | ||
| Average total assets | $767,170,000 | 938 |
| Average earning assets | $680,861,500 | 974 |
| Average equity | $69,213,500 | 1,136 |
| Average total loans | $580,156,500 | 848 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 2,604 |
| Cost of funding earning assets | 0.5075% | 2,095 |
| Net interest margin | 3.6785% | 2,838 |
| Noninterest income to average assets | 0.6699% | 2,344 |
| Noninterest expense to average assets | 1.9758% | 5,506 |
| Loan and lease loss provision to assets | 0.0780% | 2,724 |
| Net operating income to assets | 1.8045% | 482 |
| Return on assets (ROA) | 1.8110% | 486 |
| Pretax return on assets | 1.8110% | 791 |
| Return on Equity (ROE) | 21.8235% | 183 |
| Retained earnings to average equity (ytd only) | 9.6577% | 510 |
| Net charge-offs to loans | 0.2050% | 1,429 |
| Credit loss provision to net charge-offs | 53.3333% | 3,358 |
| Earnings coverage of net charge-offs (x) | 12.8720% | 2,419 |
| Efficiency ratio | 51.2096% | 5,686 |
| Assets per employee ($millions) | 7.7967% | 613 |
| Cash dividends to net income (ytd only)* | 55.7462% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 4,145 |
| Loan loss allowance to noncurrent loans | 423.6063% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,861 |
| Noncurrent loans to loans | 0.2552% | 4,519 |
| Net loans and leases to total assets | 72.2455% | 2,007 |
| Net loans and leases to deposits | 80.5437% | 2,760 |
| Net loans and leases to core deposits | 84.5582% | 2,928 |
| Total domestic deposits to total assets | 89.6972% | 752 |
| Equity capital to assets | 8.7188% | 5,373 |
| Core capital (leverage) ratio | 8.5364% | 5,388 |
| Tier 1 risk-based capital ratio | 11.5472% | 5,213 |
| Total risk-based capital ratio | 12.6041% | 5,236 |
| Memoranda: | ||
| Average total assets | $769,263,600 | 900 |
| Average earning assets | $666,768,600 | 955 |
| Average equity | $63,835,000 | 1,178 |
| Average total loans | $548,680,000 | 854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 2,518 |
| Cost of funding earning assets | 0.5062% | 2,157 |
| Net interest margin | 3.7110% | 2,724 |
| Noninterest income to average assets | 0.6784% | 2,336 |
| Noninterest expense to average assets | 1.9434% | 5,576 |
| Loan and lease loss provision to assets | 0.0783% | 2,613 |
| Net operating income to assets | 1.8694% | 450 |
| Return on assets (ROA) | 1.8781% | 460 |
| Pretax return on assets | 1.8781% | 755 |
| Return on Equity (ROE) | 22.9275% | 167 |
| Retained earnings to average equity (ytd only) | 6.4394% | 1,997 |
| Net charge-offs to loans | 0.0994% | 2,153 |
| Credit loss provision to net charge-offs | 111.1111% | 2,101 |
| Earnings coverage of net charge-offs (x) | 27.6517% | 1,574 |
| Efficiency ratio | 49.9464% | 5,781 |
| Assets per employee ($millions) | 8.0021% | 539 |
| Cash dividends to net income (ytd only)* | 71.9141% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,424 |
| Loan loss allowance to noncurrent loans | 525.3125% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 5,116 |
| Noncurrent loans to loans | 0.2362% | 4,726 |
| Net loans and leases to total assets | 67.5571% | 2,759 |
| Net loans and leases to deposits | 74.8323% | 3,443 |
| Net loans and leases to core deposits | 78.3199% | 3,577 |
| Total domestic deposits to total assets | 90.2780% | 476 |
| Equity capital to assets | 8.1437% | 5,902 |
| Core capital (leverage) ratio | 8.1636% | 5,805 |
| Tier 1 risk-based capital ratio | 10.9075% | 5,701 |
| Total risk-based capital ratio | 12.0515% | 5,684 |
| Memoranda: | ||
| Average total assets | $766,661,750 | 906 |
| Average earning assets | $663,702,750 | 965 |
| Average equity | $62,799,250 | 1,208 |
| Average total loans | $543,492,000 | 869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 2,937 |
| Cost of funding earning assets | 0.5023% | 2,228 |
| Net interest margin | 3.5863% | 3,144 |
| Noninterest income to average assets | 0.6579% | 2,431 |
| Noninterest expense to average assets | 1.9566% | 5,622 |
| Loan and lease loss provision to assets | 0.0791% | 2,530 |
| Net operating income to assets | 1.7617% | 552 |
| Return on assets (ROA) | 1.7743% | 568 |
| Pretax return on assets | 1.7743% | 934 |
| Return on Equity (ROE) | 21.6175% | 209 |
| Retained earnings to average equity (ytd only) | 3.1497% | 4,049 |
| Net charge-offs to loans | 0.1529% | 1,569 |
| Credit loss provision to net charge-offs | 72.1154% | 2,433 |
| Earnings coverage of net charge-offs (x) | 16.7740% | 1,889 |
| Efficiency ratio | 51.5248% | 5,751 |
| Assets per employee ($millions) | 7.8573% | 561 |
| Cash dividends to net income (ytd only)* | 85.4297% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,823 |
| Loan loss allowance to noncurrent loans | 195.0371% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 4,169 |
| Noncurrent loans to loans | 0.6127% | 3,630 |
| Net loans and leases to total assets | 70.4702% | 2,249 |
| Net loans and leases to deposits | 78.0516% | 3,023 |
| Net loans and leases to core deposits | 81.6893% | 3,216 |
| Total domestic deposits to total assets | 90.2866% | 542 |
| Equity capital to assets | 8.0460% | 5,966 |
| Core capital (leverage) ratio | 8.0494% | 5,906 |
| Tier 1 risk-based capital ratio | 10.7938% | 5,805 |
| Total risk-based capital ratio | 11.9353% | 5,787 |
| Memoranda: | ||
| Average total assets | $758,147,330 | 919 |
| Average earning assets | $663,698,330 | 972 |
| Average equity | $62,227,330 | 1,223 |
| Average total loans | $544,017,670 | 865 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 2,919 |
| Cost of funding earning assets | 0.5050% | 2,240 |
| Net interest margin | 3.5736% | 3,111 |
| Noninterest income to average assets | 0.6445% | 2,428 |
| Noninterest expense to average assets | 1.9372% | 5,693 |
| Loan and lease loss provision to assets | 0.0798% | 2,363 |
| Net operating income to assets | 1.7431% | 536 |
| Return on assets (ROA) | 1.7431% | 567 |
| Pretax return on assets | 1.7431% | 960 |
| Return on Equity (ROE) | 21.0251% | 230 |
| Retained earnings to average equity (ytd only) | 8.6461% | 1,325 |
| Net charge-offs to loans | 0.3081% | 769 |
| Credit loss provision to net charge-offs | 35.9712% | 2,217 |
| Earnings coverage of net charge-offs (x) | 8.2206% | 2,100 |
| Efficiency ratio | 51.5203% | 5,840 |
| Assets per employee ($millions) | 8.2148% | 497 |
| Cash dividends to net income (ytd only)* | 58.8774% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 4,106 |
| Loan loss allowance to noncurrent loans | 200.5003% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 4,364 |
| Noncurrent loans to loans | 0.5870% | 3,821 |
| Net loans and leases to total assets | 69.7264% | 2,179 |
| Net loans and leases to deposits | 77.3701% | 2,893 |
| Net loans and leases to core deposits | 80.6122% | 3,092 |
| Total domestic deposits to total assets | 90.1205% | 689 |
| Equity capital to assets | 8.1919% | 5,940 |
| Core capital (leverage) ratio | 8.4817% | 5,537 |
| Tier 1 risk-based capital ratio | 10.7752% | 5,907 |
| Total risk-based capital ratio | 11.8858% | 5,892 |
| Memoranda: | ||
| Average total assets | $752,215,500 | 924 |
| Average earning assets | $655,813,000 | 980 |
| Average equity | $62,363,500 | 1,224 |
| Average total loans | $541,431,000 | 867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,433 |
| Cost of funding earning assets | 0.5616% | 2,129 |
| Net interest margin | 3.7845% | 2,681 |
| Noninterest income to average assets | 0.6150% | 2,770 |
| Noninterest expense to average assets | 1.9826% | 5,802 |
| Loan and lease loss provision to assets | 0.0821% | 2,838 |
| Net operating income to assets | 1.7312% | 539 |
| Return on assets (ROA) | 1.7508% | 534 |
| Pretax return on assets | 1.7508% | 892 |
| Return on Equity (ROE) | 22.3381% | 165 |
| Retained earnings to average equity (ytd only) | 7.7217% | 1,120 |
| Net charge-offs to loans | 0.1044% | 3,017 |
| Credit loss provision to net charge-offs | 111.1111% | 2,144 |
| Earnings coverage of net charge-offs (x) | 24.5519% | 1,526 |
| Efficiency ratio | 52.2303% | 5,960 |
| Assets per employee ($millions) | 8.4166% | 455 |
| Cash dividends to net income (ytd only)* | 65.4324% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,762 |
| Loan loss allowance to noncurrent loans | 332.6195% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 4,757 |
| Noncurrent loans to loans | 0.3732% | 4,528 |
| Net loans and leases to total assets | 72.5650% | 1,817 |
| Net loans and leases to deposits | 80.7576% | 2,627 |
| Net loans and leases to core deposits | 84.2485% | 2,872 |
| Total domestic deposits to total assets | 89.8553% | 792 |
| Equity capital to assets | 8.3947% | 5,832 |
| Core capital (leverage) ratio | 8.2651% | 5,807 |
| Tier 1 risk-based capital ratio | 11.0745% | 5,880 |
| Total risk-based capital ratio | 12.2855% | 5,836 |
| Memoranda: | ||
| Average total assets | $731,165,200 | 920 |
| Average earning assets | $614,532,000 | 997 |
| Average equity | $57,305,800 | 1,278 |
| Average total loans | $517,259,000 | 860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,469 |
| Cost of funding earning assets | 0.5678% | 2,124 |
| Net interest margin | 3.7696% | 2,739 |
| Noninterest income to average assets | 0.6159% | 2,773 |
| Noninterest expense to average assets | 1.9630% | 5,836 |
| Loan and lease loss provision to assets | 0.0821% | 2,709 |
| Net operating income to assets | 1.7242% | 588 |
| Return on assets (ROA) | 1.7500% | 579 |
| Pretax return on assets | 1.7500% | 978 |
| Return on Equity (ROE) | 22.7324% | 165 |
| Retained earnings to average equity (ytd only) | 5.4527% | 2,794 |
| Net charge-offs to loans | 0.0700% | 3,196 |
| Credit loss provision to net charge-offs | 167.2862% | 1,464 |
| Earnings coverage of net charge-offs (x) | 36.8102% | 1,197 |
| Efficiency ratio | 52.0786% | 5,986 |
| Assets per employee ($millions) | 8.6370% | 391 |
| Cash dividends to net income (ytd only)* | 76.0137% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 3,631 |
| Loan loss allowance to noncurrent loans | 179.8942% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 4,150 |
| Noncurrent loans to loans | 0.7241% | 3,795 |
| Net loans and leases to total assets | 69.3644% | 2,297 |
| Net loans and leases to deposits | 77.0087% | 3,065 |
| Net loans and leases to core deposits | 80.2585% | 3,290 |
| Total domestic deposits to total assets | 90.0734% | 702 |
| Equity capital to assets | 7.9178% | 6,174 |
| Core capital (leverage) ratio | 8.0523% | 6,031 |
| Tier 1 risk-based capital ratio | 10.9276% | 6,027 |
| Total risk-based capital ratio | 12.1777% | 5,979 |
| Memoranda: | ||
| Average total assets | $730,895,500 | 929 |
| Average earning assets | $611,443,250 | 1,012 |
| Average equity | $56,264,750 | 1,308 |
| Average total loans | $512,065,750 | 871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 2,416 |
| Cost of funding earning assets | 0.5775% | 2,095 |
| Net interest margin | 3.7652% | 2,692 |
| Noninterest income to average assets | 0.6124% | 2,752 |
| Noninterest expense to average assets | 1.9674% | 5,878 |
| Loan and lease loss provision to assets | 0.0825% | 2,654 |
| Net operating income to assets | 1.7264% | 551 |
| Return on assets (ROA) | 1.7638% | 542 |
| Pretax return on assets | 1.7638% | 909 |
| Return on Equity (ROE) | 23.1379% | 163 |
| Retained earnings to average equity (ytd only) | 3.5874% | 3,908 |
| Net charge-offs to loans | 0.1124% | 2,536 |
| Credit loss provision to net charge-offs | 104.8951% | 1,907 |
| Earnings coverage of net charge-offs (x) | 22.9895% | 1,485 |
| Efficiency ratio | 52.0982% | 6,057 |
| Assets per employee ($millions) | 7.8584% | 534 |
| Cash dividends to net income (ytd only)* | 84.4954% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 3,879 |
| Loan loss allowance to noncurrent loans | 191.5391% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 4,369 |
| Noncurrent loans to loans | 0.6756% | 4,023 |
| Net loans and leases to total assets | 69.9786% | 2,090 |
| Net loans and leases to deposits | 77.5011% | 2,870 |
| Net loans and leases to core deposits | 81.0736% | 3,092 |
| Total domestic deposits to total assets | 90.2936% | 661 |
| Equity capital to assets | 7.9116% | 6,199 |
| Core capital (leverage) ratio | 7.9319% | 6,143 |
| Tier 1 risk-based capital ratio | 10.9732% | 6,060 |
| Total risk-based capital ratio | 12.2234% | 6,005 |
| Memoranda: | ||
| Average total assets | $726,933,330 | 933 |
| Average earning assets | $610,862,330 | 1,015 |
| Average equity | $55,415,670 | 1,310 |
| Average total loans | $508,745,670 | 874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,432 |
| Cost of funding earning assets | 0.5888% | 2,080 |
| Net interest margin | 3.7350% | 2,725 |
| Noninterest income to average assets | 0.5932% | 2,774 |
| Noninterest expense to average assets | 1.8921% | 6,080 |
| Loan and lease loss provision to assets | 0.0823% | 2,521 |
| Net operating income to assets | 1.7588% | 516 |
| Return on assets (ROA) | 1.7588% | 532 |
| Pretax return on assets | 1.7588% | 862 |
| Return on Equity (ROE) | 23.5126% | 161 |
| Retained earnings to average equity (ytd only) | 10.3074% | 893 |
| Net charge-offs to loans | -0.0016% | 4,683 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6835% | 6,216 |
| Assets per employee ($millions) | 7.8021% | 534 |
| Cash dividends to net income (ytd only)* | 56.1622% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,024 |
| Loan loss allowance to noncurrent loans | 138.6932% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 4,071 |
| Noncurrent loans to loans | 0.9501% | 3,512 |
| Net loans and leases to total assets | 69.8823% | 1,907 |
| Net loans and leases to deposits | 77.3738% | 2,646 |
| Net loans and leases to core deposits | 80.7080% | 2,888 |
| Total domestic deposits to total assets | 90.3178% | 907 |
| Equity capital to assets | 7.7164% | 6,228 |
| Core capital (leverage) ratio | 8.0968% | 6,041 |
| Tier 1 risk-based capital ratio | 11.0894% | 6,119 |
| Total risk-based capital ratio | 12.3400% | 6,069 |
| Memoranda: | ||
| Average total assets | $728,911,500 | 936 |
| Average earning assets | $612,800,000 | 1,018 |
| Average equity | $54,524,000 | 1,328 |
| Average total loans | $506,837,500 | 871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,107 |
| Cost of funding earning assets | 0.6284% | 2,404 |
| Net interest margin | 3.6324% | 3,322 |
| Noninterest income to average assets | 0.5563% | 3,362 |
| Noninterest expense to average assets | 1.9178% | 6,165 |
| Loan and lease loss provision to assets | 0.0493% | 4,145 |
| Net operating income to assets | 1.6922% | 586 |
| Return on assets (ROA) | 1.6923% | 598 |
| Pretax return on assets | 1.6923% | 971 |
| Return on Equity (ROE) | 22.9660% | 180 |
| Retained earnings to average equity (ytd only) | 7.4438% | 1,256 |
| Net charge-offs to loans | 0.0834% | 4,044 |
| Credit loss provision to net charge-offs | 86.6337% | 2,851 |
| Earnings coverage of net charge-offs (x) | 30.6089% | 1,166 |
| Efficiency ratio | 52.4092% | 6,260 |
| Assets per employee ($millions) | 8.0464% | 460 |
| Cash dividends to net income (ytd only)* | 67.5876% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,011 |
| Loan loss allowance to noncurrent loans | 132.6719% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 4,193 |
| Noncurrent loans to loans | 0.9981% | 3,519 |
| Net loans and leases to total assets | 67.3591% | 2,465 |
| Net loans and leases to deposits | 74.2362% | 3,227 |
| Net loans and leases to core deposits | 77.4801% | 3,427 |
| Total domestic deposits to total assets | 90.7362% | 690 |
| Equity capital to assets | 7.2461% | 6,386 |
| Core capital (leverage) ratio | 7.7603% | 6,268 |
| Tier 1 risk-based capital ratio | 10.9911% | 6,177 |
| Total risk-based capital ratio | 12.2415% | 6,123 |
| Memoranda: | ||
| Average total assets | $710,087,200 | 932 |
| Average earning assets | $606,599,800 | 1,012 |
| Average equity | $52,325,200 | 1,355 |
| Average total loans | $484,314,800 | 879 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 3,255 |
| Cost of funding earning assets | 0.6319% | 2,527 |
| Net interest margin | 3.6023% | 3,437 |
| Noninterest income to average assets | 0.5628% | 3,374 |
| Noninterest expense to average assets | 1.9359% | 6,129 |
| Loan and lease loss provision to assets | 0.0473% | 4,073 |
| Net operating income to assets | 1.6799% | 640 |
| Return on assets (ROA) | 1.6801% | 678 |
| Pretax return on assets | 1.6801% | 1,145 |
| Return on Equity (ROE) | 22.7015% | 178 |
| Retained earnings to average equity (ytd only) | 4.7075% | 3,302 |
| Net charge-offs to loans | 0.0264% | 4,598 |
| Credit loss provision to net charge-offs | 263.1579% | 955 |
| Earnings coverage of net charge-offs (x) | 96.0763% | 512 |
| Efficiency ratio | 52.8491% | 6,194 |
| Assets per employee ($millions) | 7.8935% | 483 |
| Cash dividends to net income (ytd only)* | 79.2633% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 3,873 |
| Loan loss allowance to noncurrent loans | 129.1225% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 4,280 |
| Noncurrent loans to loans | 1.0884% | 3,616 |
| Net loans and leases to total assets | 65.9617% | 2,642 |
| Net loans and leases to deposits | 72.6284% | 3,441 |
| Net loans and leases to core deposits | 75.7620% | 3,641 |
| Total domestic deposits to total assets | 90.8207% | 604 |
| Equity capital to assets | 6.9913% | 6,555 |
| Core capital (leverage) ratio | 7.3402% | 6,497 |
| Tier 1 risk-based capital ratio | 10.9195% | 6,314 |
| Total risk-based capital ratio | 12.1708% | 6,278 |
| Memoranda: | ||
| Average total assets | $704,552,500 | 947 |
| Average earning assets | $606,375,000 | 1,019 |
| Average equity | $52,142,000 | 1,371 |
| Average total loans | $480,433,500 | 889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 3,200 |
| Cost of funding earning assets | 0.6320% | 2,665 |
| Net interest margin | 3.6050% | 3,334 |
| Noninterest income to average assets | 0.5558% | 3,461 |
| Noninterest expense to average assets | 1.9534% | 6,122 |
| Loan and lease loss provision to assets | 0.0717% | 3,603 |
| Net operating income to assets | 1.6850% | 642 |
| Return on assets (ROA) | 1.6853% | 700 |
| Pretax return on assets | 1.6853% | 1,146 |
| Return on Equity (ROE) | 22.3426% | 193 |
| Retained earnings to average equity (ytd only) | 1.5400% | 5,254 |
| Net charge-offs to loans | 0.0150% | 4,543 |
| Credit loss provision to net charge-offs | 694.4444% | 425 |
| Earnings coverage of net charge-offs (x) | 170.1389% | 291 |
| Efficiency ratio | 52.6515% | 6,246 |
| Assets per employee ($millions) | 7.5854% | 540 |
| Cash dividends to net income (ytd only)* | 93.1076% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 3,747 |
| Loan loss allowance to noncurrent loans | 182.0513% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 4,918 |
| Noncurrent loans to loans | 0.8042% | 4,302 |
| Net loans and leases to total assets | 65.7019% | 2,639 |
| Net loans and leases to deposits | 72.2941% | 3,413 |
| Net loans and leases to core deposits | 75.5422% | 3,603 |
| Total domestic deposits to total assets | 90.8813% | 588 |
| Equity capital to assets | 7.1580% | 6,560 |
| Core capital (leverage) ratio | 7.5095% | 6,448 |
| Tier 1 risk-based capital ratio | 10.9387% | 6,363 |
| Total risk-based capital ratio | 12.1891% | 6,332 |
| Memoranda: | ||
| Average total assets | $697,336,000 | 953 |
| Average earning assets | $610,148,000 | 1,012 |
| Average equity | $52,599,000 | 1,365 |
| Average total loans | $478,630,330 | 883 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,957 |
| Cost of funding earning assets | 0.6169% | 2,955 |
| Net interest margin | 3.4216% | 4,043 |
| Noninterest income to average assets | 0.5666% | 3,335 |
| Noninterest expense to average assets | 1.9271% | 6,239 |
| Loan and lease loss provision to assets | 0.0577% | 3,667 |
| Net operating income to assets | 1.6957% | 590 |
| Return on assets (ROA) | 1.6963% | 651 |
| Pretax return on assets | 1.6963% | 1,087 |
| Return on Equity (ROE) | 21.9196% | 201 |
| Retained earnings to average equity (ytd only) | 5.7707% | 2,803 |
| Net charge-offs to loans | -0.0050% | 5,263 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3593% | 6,356 |
| Assets per employee ($millions) | 7.7020% | 560 |
| Cash dividends to net income (ytd only)* | 73.6735% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,299 |
| Loan loss allowance to noncurrent loans | 156.5589% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 4,844 |
| Noncurrent loans to loans | 0.8864% | 4,368 |
| Net loans and leases to total assets | 68.7325% | 1,883 |
| Net loans and leases to deposits | 76.1515% | 2,613 |
| Net loans and leases to core deposits | 79.4185% | 2,879 |
| Total domestic deposits to total assets | 90.2577% | 901 |
| Equity capital to assets | 7.6638% | 6,537 |
| Core capital (leverage) ratio | 7.6278% | 6,402 |
| Tier 1 risk-based capital ratio | 10.8489% | 6,465 |
| Total risk-based capital ratio | 12.1000% | 6,438 |
| Memoranda: | ||
| Average total assets | $693,282,000 | 969 |
| Average earning assets | $630,934,500 | 983 |
| Average equity | $53,650,500 | 1,355 |
| Average total loans | $482,757,000 | 881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 4,008 |
| Cost of funding earning assets | 0.7588% | 3,023 |
| Net interest margin | 3.5966% | 4,097 |
| Noninterest income to average assets | 0.6428% | 3,032 |
| Noninterest expense to average assets | 2.0758% | 6,175 |
| Loan and lease loss provision to assets | 0.0698% | 4,875 |
| Net operating income to assets | 1.8090% | 498 |
| Return on assets (ROA) | 2.1844% | 287 |
| Pretax return on assets | 2.1844% | 424 |
| Return on Equity (ROE) | 27.3024% | 87 |
| Retained earnings to average equity (ytd only) | 9.9267% | 608 |
| Net charge-offs to loans | 0.0671% | 5,013 |
| Credit loss provision to net charge-offs | 145.1613% | 1,882 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 815 |
| Efficiency ratio | 52.4909% | 6,422 |
| Assets per employee ($millions) | 7.6187% | 593 |
| Cash dividends to net income (ytd only)* | 63.6415% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,179 |
| Loan loss allowance to noncurrent loans | 151.2123% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 4,688 |
| Noncurrent loans to loans | 0.9252% | 4,340 |
| Net loans and leases to total assets | 68.5927% | 2,086 |
| Net loans and leases to deposits | 76.1703% | 2,774 |
| Net loans and leases to core deposits | 79.2322% | 3,119 |
| Total domestic deposits to total assets | 90.0518% | 921 |
| Equity capital to assets | 7.8151% | 6,492 |
| Core capital (leverage) ratio | 7.7951% | 6,343 |
| Tier 1 risk-based capital ratio | 11.0690% | 6,321 |
| Total risk-based capital ratio | 12.3209% | 6,285 |
| Memoranda: | ||
| Average total assets | $645,158,800 | 1,021 |
| Average earning assets | $594,064,000 | 1,017 |
| Average equity | $51,618,200 | 1,377 |
| Average total loans | $462,119,200 | 893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 3,893 |
| Cost of funding earning assets | 0.7700% | 3,188 |
| Net interest margin | 3.6673% | 3,935 |
| Noninterest income to average assets | 0.6402% | 3,043 |
| Noninterest expense to average assets | 2.0685% | 6,226 |
| Loan and lease loss provision to assets | 0.0840% | 4,563 |
| Net operating income to assets | 1.8745% | 484 |
| Return on assets (ROA) | 2.2237% | 303 |
| Pretax return on assets | 2.2237% | 459 |
| Return on Equity (ROE) | 27.6200% | 103 |
| Retained earnings to average equity (ytd only) | 7.2368% | 1,990 |
| Net charge-offs to loans | 0.0122% | 5,535 |
| Credit loss provision to net charge-offs | 952.3810% | 302 |
| Earnings coverage of net charge-offs (x) | 222.0896% | 201 |
| Efficiency ratio | 51.3660% | 6,502 |
| Assets per employee ($millions) | 7.1036% | 706 |
| Cash dividends to net income (ytd only)* | 73.7985% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,863 |
| Loan loss allowance to noncurrent loans | 330.5036% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 5,726 |
| Noncurrent loans to loans | 0.4599% | 5,527 |
| Net loans and leases to total assets | 64.7950% | 2,880 |
| Net loans and leases to deposits | 71.9244% | 3,621 |
| Net loans and leases to core deposits | 74.8671% | 3,871 |
| Total domestic deposits to total assets | 90.0877% | 802 |
| Equity capital to assets | 7.5564% | 6,764 |
| Core capital (leverage) ratio | 7.9080% | 6,394 |
| Tier 1 risk-based capital ratio | 11.3200% | 6,344 |
| Total risk-based capital ratio | 12.5722% | 6,306 |
| Memoranda: | ||
| Average total assets | $635,027,250 | 1,047 |
| Average earning assets | $586,470,750 | 1,032 |
| Average equity | $51,126,000 | 1,394 |
| Average total loans | $458,398,250 | 903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 3,197 |
| Cost of funding earning assets | 0.8006% | 3,187 |
| Net interest margin | 3.8373% | 3,194 |
| Noninterest income to average assets | 0.6292% | 3,082 |
| Noninterest expense to average assets | 2.1046% | 6,223 |
| Loan and lease loss provision to assets | 0.1297% | 3,909 |
| Net operating income to assets | 1.9354% | 434 |
| Return on assets (ROA) | 2.4745% | 211 |
| Pretax return on assets | 2.4745% | 310 |
| Return on Equity (ROE) | 30.0478% | 79 |
| Retained earnings to average equity (ytd only) | 8.9427% | 1,296 |
| Net charge-offs to loans | 0.0139% | 5,242 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 199.0938% | 226 |
| Efficiency ratio | 50.4742% | 6,607 |
| Assets per employee ($millions) | 6.3889% | 1,014 |
| Cash dividends to net income (ytd only)* | 70.2384% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 3,833 |
| Loan loss allowance to noncurrent loans | 418.4961% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 5,774 |
| Noncurrent loans to loans | 0.3675% | 5,805 |
| Net loans and leases to total assets | 71.2928% | 1,681 |
| Net loans and leases to deposits | 79.7072% | 2,420 |
| Net loans and leases to core deposits | 83.3875% | 2,771 |
| Total domestic deposits to total assets | 89.4433% | 1,245 |
| Equity capital to assets | 8.1858% | 6,466 |
| Core capital (leverage) ratio | 8.0569% | 6,214 |
| Tier 1 risk-based capital ratio | 11.3771% | 6,294 |
| Total risk-based capital ratio | 12.6309% | 6,264 |
| Memoranda: | ||
| Average total assets | $617,021,330 | 1,081 |
| Average earning assets | $569,308,000 | 1,066 |
| Average equity | $50,812,330 | 1,399 |
| Average total loans | $460,078,330 | 892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 2,981 |
| Cost of funding earning assets | 0.8277% | 3,258 |
| Net interest margin | 3.8903% | 2,966 |
| Noninterest income to average assets | 0.5964% | 3,251 |
| Noninterest expense to average assets | 2.0316% | 6,406 |
| Loan and lease loss provision to assets | 0.2599% | 2,379 |
| Net operating income to assets | 1.9023% | 494 |
| Return on assets (ROA) | 2.9828% | 129 |
| Pretax return on assets | 2.9828% | 189 |
| Return on Equity (ROE) | 36.1112% | 59 |
| Retained earnings to average equity (ytd only) | 23.3689% | 115 |
| Net charge-offs to loans | -0.0421% | 6,466 |
| Credit loss provision to net charge-offs | -816.3265% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4431% | 6,769 |
| Assets per employee ($millions) | 6.5586% | 946 |
| Cash dividends to net income (ytd only)* | 35.2864% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 4,209 |
| Loan loss allowance to noncurrent loans | 288.8705% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 5,626 |
| Noncurrent loans to loans | 0.5160% | 5,637 |
| Net loans and leases to total assets | 74.0627% | 1,048 |
| Net loans and leases to deposits | 83.0093% | 1,794 |
| Net loans and leases to core deposits | 86.6141% | 2,215 |
| Total domestic deposits to total assets | 89.2222% | 1,537 |
| Equity capital to assets | 8.3346% | 6,240 |
| Core capital (leverage) ratio | 8.2997% | 5,872 |
| Tier 1 risk-based capital ratio | 11.2340% | 6,426 |
| Total risk-based capital ratio | 12.4876% | 6,406 |
| Memoranda: | ||
| Average total assets | $615,671,000 | 1,079 |
| Average earning assets | $569,312,500 | 1,071 |
| Average equity | $50,854,000 | 1,392 |
| Average total loans | $465,758,500 | 882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 3,181 |
| Cost of funding earning assets | 0.9097% | 4,056 |
| Net interest margin | 4.0256% | 2,759 |
| Noninterest income to average assets | 0.6973% | 2,618 |
| Noninterest expense to average assets | 2.3114% | 6,011 |
| Loan and lease loss provision to assets | 0.3415% | 2,965 |
| Net operating income to assets | 1.7564% | 499 |
| Return on assets (ROA) | 1.8305% | 468 |
| Pretax return on assets | 1.8305% | 756 |
| Return on Equity (ROE) | 22.6129% | 168 |
| Retained earnings to average equity (ytd only) | 7.1265% | 1,438 |
| Net charge-offs to loans | 0.0664% | 5,643 |
| Credit loss provision to net charge-offs | 660.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 40.5467% | 664 |
| Efficiency ratio | 52.4212% | 6,671 |
| Assets per employee ($millions) | 6.2709% | 1,062 |
| Cash dividends to net income (ytd only)* | 68.4850% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,408 |
| Loan loss allowance to noncurrent loans | 233.6552% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 5,502 |
| Noncurrent loans to loans | 0.6038% | 5,508 |
| Net loans and leases to total assets | 75.0551% | 1,083 |
| Net loans and leases to deposits | 84.0261% | 1,920 |
| Net loans and leases to core deposits | 87.5992% | 2,418 |
| Total domestic deposits to total assets | 89.3235% | 1,350 |
| Equity capital to assets | 8.1835% | 6,446 |
| Core capital (leverage) ratio | 8.0650% | 6,184 |
| Tier 1 risk-based capital ratio | 10.5777% | 6,652 |
| Total risk-based capital ratio | 11.8302% | 6,628 |
| Memoranda: | ||
| Average total assets | $579,830,400 | 1,134 |
| Average earning assets | $534,653,400 | 1,121 |
| Average equity | $46,937,800 | 1,448 |
| Average total loans | $451,921,800 | 926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 3,210 |
| Cost of funding earning assets | 0.9294% | 4,201 |
| Net interest margin | 4.0464% | 2,707 |
| Noninterest income to average assets | 0.7035% | 2,586 |
| Noninterest expense to average assets | 2.2924% | 6,058 |
| Loan and lease loss provision to assets | 0.3213% | 2,966 |
| Net operating income to assets | 1.8186% | 499 |
| Return on assets (ROA) | 1.8901% | 470 |
| Pretax return on assets | 1.8901% | 799 |
| Return on Equity (ROE) | 23.4168% | 180 |
| Retained earnings to average equity (ytd only) | 2.7111% | 4,732 |
| Net charge-offs to loans | -0.0056% | 6,723 |
| Credit loss provision to net charge-offs | -7,263.1579% | 6,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7202% | 6,703 |
| Assets per employee ($millions) | 6.0352% | 1,181 |
| Cash dividends to net income (ytd only)* | 88.4222% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,669 |
| Loan loss allowance to noncurrent loans | 126.6613% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 4,813 |
| Noncurrent loans to loans | 1.0848% | 4,743 |
| Net loans and leases to total assets | 77.4557% | 774 |
| Net loans and leases to deposits | 86.6013% | 1,609 |
| Net loans and leases to core deposits | 91.0990% | 2,108 |
| Total domestic deposits to total assets | 89.4394% | 1,172 |
| Equity capital to assets | 8.1137% | 6,628 |
| Core capital (leverage) ratio | 7.8241% | 6,544 |
| Tier 1 risk-based capital ratio | 10.2919% | 6,861 |
| Total risk-based capital ratio | 11.5440% | 6,846 |
| Memoranda: | ||
| Average total assets | $572,719,750 | 1,162 |
| Average earning assets | $527,770,000 | 1,140 |
| Average equity | $46,227,750 | 1,476 |
| Average total loans | $449,134,000 | 947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 3,173 |
| Cost of funding earning assets | 0.9302% | 4,450 |
| Net interest margin | 4.0667% | 2,544 |
| Noninterest income to average assets | 0.7022% | 2,542 |
| Noninterest expense to average assets | 2.2745% | 6,187 |
| Loan and lease loss provision to assets | 0.3436% | 2,722 |
| Net operating income to assets | 1.8328% | 467 |
| Return on assets (ROA) | 1.8889% | 448 |
| Pretax return on assets | 1.8889% | 726 |
| Return on Equity (ROE) | 23.4427% | 183 |
| Retained earnings to average equity (ytd only) | 3.1718% | 4,255 |
| Net charge-offs to loans | -0.0094% | 6,674 |
| Credit loss provision to net charge-offs | -4,666.6667% | 6,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1027% | 6,864 |
| Assets per employee ($millions) | 6.0020% | 1,187 |
| Cash dividends to net income (ytd only)* | 86.4699% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,937 |
| Loan loss allowance to noncurrent loans | 238.7439% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 5,794 |
| Noncurrent loans to loans | 0.5560% | 5,806 |
| Net loans and leases to total assets | 76.3165% | 1,034 |
| Net loans and leases to deposits | 85.3941% | 1,878 |
| Net loans and leases to core deposits | 91.9414% | 2,141 |
| Total domestic deposits to total assets | 89.3698% | 1,317 |
| Equity capital to assets | 8.1267% | 6,575 |
| Core capital (leverage) ratio | 7.6358% | 6,636 |
| Tier 1 risk-based capital ratio | 10.6922% | 6,717 |
| Total risk-based capital ratio | 11.9439% | 6,698 |
| Memoranda: | ||
| Average total assets | $570,500,000 | 1,174 |
| Average earning assets | $525,886,000 | 1,160 |
| Average equity | $45,967,330 | 1,471 |
| Average total loans | $447,174,000 | 964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 3,329 |
| Cost of funding earning assets | 0.9102% | 4,852 |
| Net interest margin | 4.0402% | 2,515 |
| Noninterest income to average assets | 0.6442% | 2,882 |
| Noninterest expense to average assets | 2.2248% | 6,368 |
| Loan and lease loss provision to assets | 0.4766% | 1,845 |
| Net operating income to assets | 1.6795% | 593 |
| Return on assets (ROA) | 1.6795% | 629 |
| Pretax return on assets | 1.6795% | 1,017 |
| Return on Equity (ROE) | 20.9340% | 295 |
| Retained earnings to average equity (ytd only) | 6.0897% | 2,586 |
| Net charge-offs to loans | -0.0267% | 6,669 |
| Credit loss provision to net charge-offs | -2,266.6667% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7840% | 6,934 |
| Assets per employee ($millions) | 6.0296% | 1,176 |
| Cash dividends to net income (ytd only)* | 70.9098% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,472 |
| Loan loss allowance to noncurrent loans | 248.7925% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 5,917 |
| Noncurrent loans to loans | 0.4951% | 6,027 |
| Net loans and leases to total assets | 77.0631% | 868 |
| Net loans and leases to deposits | 86.5965% | 1,639 |
| Net loans and leases to core deposits | 93.0117% | 2,008 |
| Total domestic deposits to total assets | 88.9910% | 1,778 |
| Equity capital to assets | 7.9718% | 6,525 |
| Core capital (leverage) ratio | 8.1537% | 6,044 |
| Tier 1 risk-based capital ratio | 10.3314% | 6,893 |
| Total risk-based capital ratio | 11.5817% | 6,878 |
| Memoranda: | ||
| Average total assets | $570,653,000 | 1,180 |
| Average earning assets | $527,791,000 | 1,160 |
| Average equity | $45,782,000 | 1,467 |
| Average total loans | $450,258,000 | 971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 3,766 |
| Cost of funding earning assets | 1.1148% | 5,053 |
| Net interest margin | 4.0516% | 2,797 |
| Noninterest income to average assets | 0.7284% | 2,658 |
| Noninterest expense to average assets | 2.4445% | 5,960 |
| Loan and lease loss provision to assets | 0.2448% | 4,840 |
| Net operating income to assets | 1.7554% | 460 |
| Return on assets (ROA) | 1.7830% | 472 |
| Pretax return on assets | 1.7830% | 792 |
| Return on Equity (ROE) | 21.6692% | 172 |
| Retained earnings to average equity (ytd only) | 7.7820% | 1,045 |
| Net charge-offs to loans | 0.0096% | 6,740 |
| Credit loss provision to net charge-offs | 3,162.5000% | 69 |
| Earnings coverage of net charge-offs (x) | 258.4000% | 90 |
| Efficiency ratio | 54.9983% | 6,712 |
| Assets per employee ($millions) | 5.9837% | 1,222 |
| Cash dividends to net income (ytd only)* | 64.0873% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 6,022 |
| Loan loss allowance to noncurrent loans | 711.5836% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,579 |
| Noncurrent loans to loans | 0.1519% | 6,764 |
| Net loans and leases to total assets | 78.9430% | 809 |
| Net loans and leases to deposits | 89.2930% | 1,610 |
| Net loans and leases to core deposits | 95.6545% | 2,052 |
| Total domestic deposits to total assets | 88.4090% | 2,009 |
| Equity capital to assets | 8.0751% | 6,408 |
| Core capital (leverage) ratio | 8.0206% | 6,174 |
| Tier 1 risk-based capital ratio | 10.2111% | 6,867 |
| Total risk-based capital ratio | 11.3300% | 6,928 |
| Memoranda: | ||
| Average total assets | $516,761,600 | 1,294 |
| Average earning assets | $473,984,200 | 1,291 |
| Average equity | $42,521,200 | 1,563 |
| Average total loans | $418,546,400 | 1,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 3,839 |
| Cost of funding earning assets | 1.1692% | 5,036 |
| Net interest margin | 4.0292% | 2,960 |
| Noninterest income to average assets | 0.7406% | 2,573 |
| Noninterest expense to average assets | 2.4297% | 5,941 |
| Loan and lease loss provision to assets | 0.2348% | 4,724 |
| Net operating income to assets | 1.7638% | 553 |
| Return on assets (ROA) | 1.7638% | 600 |
| Pretax return on assets | 1.7638% | 987 |
| Return on Equity (ROE) | 21.3250% | 234 |
| Retained earnings to average equity (ytd only) | 2.4882% | 4,682 |
| Net charge-offs to loans | 0.0045% | 6,606 |
| Credit loss provision to net charge-offs | 6,357.1429% | 40 |
| Earnings coverage of net charge-offs (x) | 540.9614% | 56 |
| Efficiency ratio | 54.8677% | 6,704 |
| Assets per employee ($millions) | 5.8414% | 1,359 |
| Cash dividends to net income (ytd only)* | 88.3321% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 6,105 |
| Loan loss allowance to noncurrent loans | 282.2055% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 6,282 |
| Noncurrent loans to loans | 0.3766% | 6,441 |
| Net loans and leases to total assets | 77.1860% | 1,181 |
| Net loans and leases to deposits | 87.4661% | 2,085 |
| Net loans and leases to core deposits | 94.1729% | 2,506 |
| Total domestic deposits to total assets | 88.2467% | 1,832 |
| Equity capital to assets | 8.1029% | 6,707 |
| Core capital (leverage) ratio | 8.0321% | 6,298 |
| Tier 1 risk-based capital ratio | 9.9007% | 7,117 |
| Total risk-based capital ratio | 10.9766% | 7,169 |
| Memoranda: | ||
| Average total assets | $505,334,750 | 1,335 |
| Average earning assets | $462,511,500 | 1,336 |
| Average equity | $41,796,500 | 1,583 |
| Average total loans | $410,962,250 | 1,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2461% | 3,734 |
| Cost of funding earning assets | 1.2261% | 4,981 |
| Net interest margin | 4.0200% | 2,924 |
| Noninterest income to average assets | 0.7554% | 2,354 |
| Noninterest expense to average assets | 2.4664% | 5,855 |
| Loan and lease loss provision to assets | 0.2192% | 4,701 |
| Net operating income to assets | 1.7418% | 537 |
| Return on assets (ROA) | 1.7418% | 591 |
| Pretax return on assets | 1.7418% | 978 |
| Return on Equity (ROE) | 20.9033% | 263 |
| Retained earnings to average equity (ytd only) | 0.2972% | 5,638 |
| Net charge-offs to loans | 0.0020% | 6,357 |
| Credit loss provision to net charge-offs | 13,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,207.7500% | 17 |
| Efficiency ratio | 55.7073% | 6,674 |
| Assets per employee ($millions) | 5.7250% | 1,429 |
| Cash dividends to net income (ytd only)* | 98.5784% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,325 |
| Loan loss allowance to noncurrent loans | 615.0665% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,602 |
| Noncurrent loans to loans | 0.1654% | 6,930 |
| Net loans and leases to total assets | 81.3321% | 625 |
| Net loans and leases to deposits | 92.6169% | 1,441 |
| Net loans and leases to core deposits | 101.3196% | 1,885 |
| Total domestic deposits to total assets | 87.8156% | 2,095 |
| Equity capital to assets | 8.5390% | 6,117 |
| Core capital (leverage) ratio | 8.1594% | 6,020 |
| Tier 1 risk-based capital ratio | 10.1036% | 6,969 |
| Total risk-based capital ratio | 11.1366% | 7,064 |
| Memoranda: | ||
| Average total assets | $492,695,330 | 1,386 |
| Average earning assets | $450,050,000 | 1,380 |
| Average equity | $41,055,670 | 1,609 |
| Average total loans | $406,676,670 | 1,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 4,020 |
| Cost of funding earning assets | 1.2430% | 5,157 |
| Net interest margin | 3.9562% | 3,071 |
| Noninterest income to average assets | 0.7673% | 2,189 |
| Noninterest expense to average assets | 2.4441% | 5,936 |
| Loan and lease loss provision to assets | 0.1959% | 4,543 |
| Net operating income to assets | 1.7388% | 563 |
| Return on assets (ROA) | 1.7388% | 619 |
| Pretax return on assets | 1.7388% | 988 |
| Return on Equity (ROE) | 21.1320% | 322 |
| Retained earnings to average equity (ytd only) | 7.5897% | 1,881 |
| Net charge-offs to loans | -0.0089% | 6,871 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8166% | 6,788 |
| Assets per employee ($millions) | 5.8396% | 1,378 |
| Cash dividends to net income (ytd only)* | 64.0845% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,708 |
| Loan loss allowance to noncurrent loans | 380.4711% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 6,493 |
| Noncurrent loans to loans | 0.2469% | 6,847 |
| Net loans and leases to total assets | 82.3662% | 546 |
| Net loans and leases to deposits | 93.8535% | 1,364 |
| Net loans and leases to core deposits | 103.1518% | 1,811 |
| Total domestic deposits to total assets | 87.7603% | 2,204 |
| Equity capital to assets | 8.3039% | 6,297 |
| Core capital (leverage) ratio | 8.2142% | 5,888 |
| Tier 1 risk-based capital ratio | 10.0262% | 7,013 |
| Total risk-based capital ratio | 11.0120% | 7,174 |
| Memoranda: | ||
| Average total assets | $490,003,500 | 1,424 |
| Average earning assets | $447,301,000 | 1,420 |
| Average equity | $40,318,000 | 1,664 |
| Average total loans | $405,384,000 | 1,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 4,242 |
| Cost of funding earning assets | 1.3875% | 5,984 |
| Net interest margin | 4.0941% | 2,482 |
| Noninterest income to average assets | 0.7258% | 2,813 |
| Noninterest expense to average assets | 2.5929% | 5,820 |
| Loan and lease loss provision to assets | 0.1890% | 5,832 |
| Net operating income to assets | 1.6300% | 508 |
| Return on assets (ROA) | 1.7107% | 460 |
| Pretax return on assets | 1.7107% | 760 |
| Return on Equity (ROE) | 20.9494% | 202 |
| Retained earnings to average equity (ytd only) | 6.6931% | 1,073 |
| Net charge-offs to loans | -0.0081% | 7,737 |
| Credit loss provision to net charge-offs | -2,862.0690% | 7,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7695% | 6,651 |
| Assets per employee ($millions) | 5.8270% | 1,369 |
| Cash dividends to net income (ytd only)* | 68.0511% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 6,764 |
| Loan loss allowance to noncurrent loans | 548.0363% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,632 |
| Noncurrent loans to loans | 0.1663% | 7,007 |
| Net loans and leases to total assets | 81.5533% | 758 |
| Net loans and leases to deposits | 92.3528% | 1,838 |
| Net loans and leases to core deposits | 122.0131% | 1,778 |
| Total domestic deposits to total assets | 88.3063% | 1,819 |
| Equity capital to assets | 8.1503% | 6,404 |
| Core capital (leverage) ratio | 8.0816% | 6,029 |
| Tier 1 risk-based capital ratio | 9.7438% | 7,067 |
| Total risk-based capital ratio | 10.6823% | 7,246 |
| Memoranda: | ||
| Average total assets | $439,128,200 | 1,583 |
| Average earning assets | $395,376,000 | 1,607 |
| Average equity | $35,857,800 | 1,881 |
| Average total loans | $360,072,000 | 1,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 4,338 |
| Cost of funding earning assets | 1.4009% | 6,226 |
| Net interest margin | 4.1153% | 2,334 |
| Noninterest income to average assets | 0.7124% | 2,934 |
| Noninterest expense to average assets | 2.5868% | 5,759 |
| Loan and lease loss provision to assets | 0.1371% | 5,981 |
| Net operating income to assets | 1.6800% | 582 |
| Return on assets (ROA) | 1.7451% | 538 |
| Pretax return on assets | 1.7451% | 890 |
| Return on Equity (ROE) | 21.3601% | 238 |
| Retained earnings to average equity (ytd only) | 1.8684% | 4,274 |
| Net charge-offs to loans | -0.0357% | 7,823 |
| Credit loss provision to net charge-offs | -468.0851% | 7,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7395% | 6,605 |
| Assets per employee ($millions) | 5.5464% | 1,570 |
| Cash dividends to net income (ytd only)* | 91.2531% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,864 |
| Loan loss allowance to noncurrent loans | 502.7397% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 6,600 |
| Noncurrent loans to loans | 0.1740% | 7,057 |
| Net loans and leases to total assets | 82.3101% | 763 |
| Net loans and leases to deposits | 94.0550% | 1,876 |
| Net loans and leases to core deposits | 125.5759% | 1,769 |
| Total domestic deposits to total assets | 87.5128% | 1,879 |
| Equity capital to assets | 7.9306% | 6,912 |
| Core capital (leverage) ratio | 7.9382% | 6,458 |
| Tier 1 risk-based capital ratio | 9.2072% | 7,534 |
| Total risk-based capital ratio | 10.1079% | 7,690 |
| Memoranda: | ||
| Average total assets | $428,001,000 | 1,634 |
| Average earning assets | $383,924,750 | 1,659 |
| Average equity | $34,967,750 | 1,940 |
| Average total loans | $350,577,500 | 1,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 4,631 |
| Cost of funding earning assets | 1.4060% | 6,457 |
| Net interest margin | 4.0944% | 2,340 |
| Noninterest income to average assets | 0.6987% | 3,003 |
| Noninterest expense to average assets | 2.6101% | 5,703 |
| Loan and lease loss provision to assets | 0.1145% | 6,000 |
| Net operating income to assets | 1.6279% | 647 |
| Return on assets (ROA) | 1.7277% | 582 |
| Pretax return on assets | 1.7277% | 972 |
| Return on Equity (ROE) | 20.9245% | 286 |
| Retained earnings to average equity (ytd only) | -0.9075% | 5,456 |
| Net charge-offs to loans | -0.0644% | 7,886 |
| Credit loss provision to net charge-offs | -218.1818% | 6,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9671% | 6,560 |
| Assets per employee ($millions) | 5.6392% | 1,463 |
| Cash dividends to net income (ytd only)* | 104.3370% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 6,929 |
| Loan loss allowance to noncurrent loans | 185.4340% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,920 |
| Noncurrent loans to loans | 0.4653% | 6,367 |
| Net loans and leases to total assets | 81.4658% | 1,057 |
| Net loans and leases to deposits | 93.2783% | 2,217 |
| Net loans and leases to core deposits | 122.5702% | 2,148 |
| Total domestic deposits to total assets | 87.3364% | 2,077 |
| Equity capital to assets | 7.8482% | 6,915 |
| Core capital (leverage) ratio | 7.6280% | 6,861 |
| Tier 1 risk-based capital ratio | 9.1473% | 7,619 |
| Total risk-based capital ratio | 10.0088% | 7,847 |
| Memoranda: | ||
| Average total assets | $419,065,330 | 1,688 |
| Average earning assets | $373,974,670 | 1,724 |
| Average equity | $34,600,670 | 1,961 |
| Average total loans | $341,551,330 | 1,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 5,299 |
| Cost of funding earning assets | 1.3726% | 6,806 |
| Net interest margin | 4.0509% | 2,450 |
| Noninterest income to average assets | 0.6020% | 3,535 |
| Noninterest expense to average assets | 2.4969% | 5,852 |
| Loan and lease loss provision to assets | 0.0587% | 6,224 |
| Net operating income to assets | 1.6542% | 707 |
| Return on assets (ROA) | 1.8274% | 558 |
| Pretax return on assets | 1.8274% | 928 |
| Return on Equity (ROE) | 21.5586% | 326 |
| Retained earnings to average equity (ytd only) | 6.5242% | 2,410 |
| Net charge-offs to loans | -0.0060% | 7,203 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3118% | 6,505 |
| Assets per employee ($millions) | 4.9719% | 2,097 |
| Cash dividends to net income (ytd only)* | 69.7375% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,964 |
| Loan loss allowance to noncurrent loans | 326.8743% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 5,629 |
| Noncurrent loans to loans | 0.2602% | 6,788 |
| Net loans and leases to total assets | 77.2724% | 1,975 |
| Net loans and leases to deposits | 89.0555% | 3,094 |
| Net loans and leases to core deposits | 115.4707% | 2,852 |
| Total domestic deposits to total assets | 86.7688% | 2,328 |
| Equity capital to assets | 8.2361% | 6,486 |
| Core capital (leverage) ratio | 8.5564% | 5,416 |
| Tier 1 risk-based capital ratio | 10.2311% | 6,677 |
| Total risk-based capital ratio | 11.0879% | 7,008 |
| Memoranda: | ||
| Average total assets | $408,669,000 | 1,728 |
| Average earning assets | $363,972,500 | 1,772 |
| Average equity | $34,640,500 | 1,965 |
| Average total loans | $331,600,500 | 1,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3019% | 3,954 |
| Cost of funding earning assets | 1.9689% | 6,512 |
| Net interest margin | 4.3329% | 1,879 |
| Noninterest income to average assets | 0.8055% | 2,486 |
| Noninterest expense to average assets | 2.5441% | 5,843 |
| Loan and lease loss provision to assets | 0.0846% | 6,328 |
| Net operating income to assets | 2.0770% | 303 |
| Return on assets (ROA) | 2.0891% | 283 |
| Pretax return on assets | 2.0891% | 497 |
| Return on Equity (ROE) | 24.4443% | 158 |
| Retained earnings to average equity (ytd only) | 8.2878% | 758 |
| Net charge-offs to loans | -0.0577% | 8,040 |
| Credit loss provision to net charge-offs | -173.5135% | 7,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0640% | 7,260 |
| Assets per employee ($millions) | 5.0618% | 1,890 |
| Cash dividends to net income (ytd only)* | 66.0951% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,940 |
| Loan loss allowance to noncurrent loans | 292.0886% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 5,504 |
| Noncurrent loans to loans | 0.2873% | 6,516 |
| Net loans and leases to total assets | 83.9487% | 895 |
| Net loans and leases to deposits | 103.8645% | 1,355 |
| Net loans and leases to core deposits | 124.4489% | 2,287 |
| Total domestic deposits to total assets | 80.8252% | 4,726 |
| Equity capital to assets | 8.7401% | 5,750 |
| Core capital (leverage) ratio | 8.8225% | 5,002 |
| Tier 1 risk-based capital ratio | 10.5114% | 6,201 |
| Total risk-based capital ratio | 11.3861% | 6,453 |
| Memoranda: | ||
| Average total assets | $379,628,400 | 1,781 |
| Average earning assets | $341,708,400 | 1,801 |
| Average equity | $32,445,200 | 2,088 |
| Average total loans | $320,382,600 | 1,513 |