Home > First National Bank of Huntsville > Performance and Condition Ratios
First National Bank of Huntsville, 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 | 3.8491% | 4,124 |
| Cost of funding earning assets | 0.8306% | 3,662 |
| Net interest margin | 3.0185% | 3,239 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.2389% | 3,014 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0839% | 1,963 |
| Return on assets (ROA) | 1.0839% | 1,938 |
| Pretax return on assets | 1.3359% | 1,775 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | 1.9675% | 3,584 |
| Net charge-offs to loans | 0.0137% | 2,144 |
| Credit loss provision to net charge-offs | 897.4359% | 445 |
| Earnings coverage of net charge-offs (x) | 204.7436% | 579 |
| Efficiency ratio | 61.5755% | 2,894 |
| Assets per employee ($millions) | 6.2518% | 2,588 |
| Cash dividends to net income (ytd only)* | 80.1614% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 368 |
| Loan loss allowance to noncurrent loans | 1,390.9739% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,061 |
| Noncurrent loans to loans | 0.1444% | 2,793 |
| Net loans and leases to total assets | 50.2300% | 3,582 |
| Net loans and leases to deposits | 56.9157% | 3,669 |
| Net loans and leases to core deposits | 59.2747% | 3,787 |
| Total domestic deposits to total assets | 88.2600% | 1,267 |
| Equity capital to assets | 11.3480% | 1,350 |
| Core capital (leverage) ratio | 11.5822% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $571,538,400 | 1,548 |
| Average earning assets | $546,259,400 | 1,505 |
| Average equity | $62,465,600 | 1,354 |
| Average total loans | $284,563,200 | 1,851 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,173 |
| Cost of funding earning assets | 0.7913% | 3,543 |
| Net interest margin | 2.9404% | 3,453 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.2542% | 2,939 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9675% | 2,458 |
| Return on assets (ROA) | 0.9675% | 2,452 |
| Pretax return on assets | 1.1877% | 2,329 |
| Return on Equity (ROE) | 8.9400% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.3077% | 2,197 |
| Net charge-offs to loans | 0.0137% | 1,904 |
| Credit loss provision to net charge-offs | 386.2069% | 736 |
| Earnings coverage of net charge-offs (x) | 179.6207% | 647 |
| Efficiency ratio | 65.0003% | 2,390 |
| Assets per employee ($millions) | 5.8216% | 2,906 |
| Cash dividends to net income (ytd only)* | 18.2322% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 429 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,327 |
| Noncurrent loans to loans | 0.0928% | 3,112 |
| Net loans and leases to total assets | 50.6400% | 3,577 |
| Net loans and leases to deposits | 57.5177% | 3,628 |
| Net loans and leases to core deposits | 59.8017% | 3,715 |
| Total domestic deposits to total assets | 88.0400% | 1,559 |
| Equity capital to assets | 11.4636% | 1,191 |
| Core capital (leverage) ratio | 11.9286% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $572,195,000 | 1,548 |
| Average earning assets | $546,766,250 | 1,503 |
| Average equity | $61,942,000 | 1,352 |
| Average total loans | $282,792,250 | 1,861 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 4,278 |
| Cost of funding earning assets | 0.7349% | 3,390 |
| Net interest margin | 2.8397% | 3,754 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.2794% | 2,871 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8713% | 2,844 |
| Return on assets (ROA) | 0.8713% | 2,841 |
| Pretax return on assets | 1.0662% | 2,733 |
| Return on Equity (ROE) | 8.2000% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.0098% | 2,618 |
| Net charge-offs to loans | 0.0171% | 1,575 |
| Credit loss provision to net charge-offs | 312.5000% | 846 |
| Earnings coverage of net charge-offs (x) | 131.2083% | 804 |
| Efficiency ratio | 67.6062% | 2,032 |
| Assets per employee ($millions) | 6.0447% | 2,671 |
| Cash dividends to net income (ytd only)* | 26.7516% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 426 |
| Loan loss allowance to noncurrent loans | 1,721.5385% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,183 |
| Noncurrent loans to loans | 0.1155% | 2,900 |
| Net loans and leases to total assets | 49.5800% | 3,585 |
| Net loans and leases to deposits | 56.1622% | 3,639 |
| Net loans and leases to core deposits | 58.2039% | 3,705 |
| Total domestic deposits to total assets | 88.2900% | 1,500 |
| Equity capital to assets | 11.2572% | 1,289 |
| Core capital (leverage) ratio | 11.4574% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $576,635,000 | 1,541 |
| Average earning assets | $551,391,333 | 1,492 |
| Average equity | $61,233,667 | 1,367 |
| Average total loans | $280,843,333 | 1,861 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 4,324 |
| Cost of funding earning assets | 0.6735% | 3,145 |
| Net interest margin | 2.7760% | 3,979 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.2403% | 2,984 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8104% | 3,161 |
| Return on assets (ROA) | 0.8104% | 3,113 |
| Pretax return on assets | 0.9998% | 2,997 |
| Return on Equity (ROE) | 7.8500% | 3,327 |
| Retained earnings to average equity (ytd only) | 3.9571% | 3,279 |
| Net charge-offs to loans | 0.0299% | 1,107 |
| Credit loss provision to net charge-offs | 176.1905% | 880 |
| Earnings coverage of net charge-offs (x) | 71.6190% | 942 |
| Efficiency ratio | 68.6078% | 1,905 |
| Assets per employee ($millions) | 5.9914% | 2,767 |
| Cash dividends to net income (ytd only)* | 49.6215% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 449 |
| Loan loss allowance to noncurrent loans | 1,793.8710% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,244 |
| Noncurrent loans to loans | 0.1108% | 2,965 |
| Net loans and leases to total assets | 47.6600% | 3,655 |
| Net loans and leases to deposits | 53.5451% | 3,711 |
| Net loans and leases to core deposits | 55.2647% | 3,782 |
| Total domestic deposits to total assets | 89.0200% | 1,539 |
| Equity capital to assets | 10.6744% | 1,470 |
| Core capital (leverage) ratio | 10.6935% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $586,896,000 | 1,532 |
| Average earning assets | $561,823,500 | 1,485 |
| Average equity | $60,549,000 | 1,387 |
| Average total loans | $280,598,000 | 1,878 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7852% | 4,339 |
| Cost of funding earning assets | 0.2675% | 3,180 |
| Net interest margin | 2.5177% | 4,269 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.0708% | 3,383 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7850% | 3,378 |
| Return on assets (ROA) | 0.7850% | 3,314 |
| Pretax return on assets | 0.9820% | 3,125 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 3.8430% | 3,447 |
| Net charge-offs to loans | 0.0038% | 2,322 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 614.5000% | 282 |
| Efficiency ratio | 67.4730% | 2,024 |
| Assets per employee ($millions) | 6.4368% | 2,391 |
| Cash dividends to net income (ytd only)* | 51.0969% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 455 |
| Loan loss allowance to noncurrent loans | 3,960.0000% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,601 |
| Noncurrent loans to loans | 0.0497% | 3,401 |
| Net loans and leases to total assets | 46.1000% | 3,794 |
| Net loans and leases to deposits | 51.3336% | 3,841 |
| Net loans and leases to core deposits | 52.8012% | 3,875 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 9.9733% | 1,718 |
| Core capital (leverage) ratio | 10.4476% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $615,553,400 | 1,445 |
| Average earning assets | $590,648,800 | 1,406 |
| Average equity | $61,488,800 | 1,378 |
| Average total loans | $264,050,400 | 1,880 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6301% | 4,364 |
| Cost of funding earning assets | 0.2259% | 2,978 |
| Net interest margin | 2.4042% | 4,321 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0835% | 3,251 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5980% | 3,839 |
| Return on assets (ROA) | 0.5980% | 3,801 |
| Pretax return on assets | 0.7271% | 3,747 |
| Return on Equity (ROE) | 5.9800% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.7693% | 2,829 |
| Net charge-offs to loans | 0.0046% | 2,017 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 383.8889% | 399 |
| Efficiency ratio | 73.7062% | 1,307 |
| Assets per employee ($millions) | 6.6290% | 2,216 |
| Cash dividends to net income (ytd only)* | 3.5971% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 476 |
| Loan loss allowance to noncurrent loans | 5,110.1852% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,778 |
| Noncurrent loans to loans | 0.0398% | 3,607 |
| Net loans and leases to total assets | 43.1100% | 3,932 |
| Net loans and leases to deposits | 47.8862% | 3,956 |
| Net loans and leases to core deposits | 49.1935% | 3,988 |
| Total domestic deposits to total assets | 90.0300% | 1,647 |
| Equity capital to assets | 9.6531% | 1,797 |
| Core capital (leverage) ratio | 9.9937% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $619,786,750 | 1,443 |
| Average earning assets | $595,000,500 | 1,400 |
| Average equity | $61,935,500 | 1,379 |
| Average total loans | $259,692,000 | 1,896 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4295% | 4,441 |
| Cost of funding earning assets | 0.2016% | 2,893 |
| Net interest margin | 2.2279% | 4,398 |
| Noninterest income to average assets | 0.5070% | 2,162 |
| Noninterest expense to average assets | 2.0919% | 3,177 |
| Loan and lease loss provision to assets | 0.0161% | 2,311 |
| Net operating income to assets | 0.4490% | 4,004 |
| Return on assets (ROA) | 0.4490% | 3,957 |
| Pretax return on assets | 0.5386% | 3,941 |
| Return on Equity (ROE) | 4.4435% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.1247% | 3,039 |
| Net charge-offs to loans | 0.0164% | 1,419 |
| Credit loss provision to net charge-offs | 238.0952% | 892 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 916 |
| Efficiency ratio | 79.0409% | 1,015 |
| Assets per employee ($millions) | 6.8578% | 2,032 |
| Cash dividends to net income (ytd only)* | 7.1736% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 504 |
| Loan loss allowance to noncurrent loans | 11,919.5652% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,968 |
| Noncurrent loans to loans | 0.0172% | 3,838 |
| Net loans and leases to total assets | 41.5517% | 4,002 |
| Net loans and leases to deposits | 46.0275% | 4,027 |
| Net loans and leases to core deposits | 47.2843% | 4,066 |
| Total domestic deposits to total assets | 90.2758% | 1,596 |
| Equity capital to assets | 9.4628% | 2,045 |
| Core capital (leverage) ratio | 10.0343% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $620,882,667 | 1,454 |
| Average earning assets | $596,246,333 | 1,414 |
| Average equity | $62,743,667 | 1,395 |
| Average total loans | $255,824,333 | 1,917 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2778% | 4,471 |
| Cost of funding earning assets | 0.1959% | 2,855 |
| Net interest margin | 2.0819% | 4,460 |
| Noninterest income to average assets | 0.4943% | 2,169 |
| Noninterest expense to average assets | 2.1031% | 3,134 |
| Loan and lease loss provision to assets | 0.0162% | 2,059 |
| Net operating income to assets | 0.3215% | 4,101 |
| Return on assets (ROA) | 0.3215% | 4,068 |
| Pretax return on assets | 0.3767% | 4,076 |
| Return on Equity (ROE) | 3.0810% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.0810% | 3,231 |
| Net charge-offs to loans | 0.0032% | 1,665 |
| Credit loss provision to net charge-offs | 1,250.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 302.5000% | 317 |
| Efficiency ratio | 84.2571% | 827 |
| Assets per employee ($millions) | 6.8217% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 455 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,945 |
| Noncurrent loans to loans | 0.0294% | 3,785 |
| Net loans and leases to total assets | 40.1255% | 4,004 |
| Net loans and leases to deposits | 44.8226% | 4,027 |
| Net loans and leases to core deposits | 46.0112% | 4,072 |
| Total domestic deposits to total assets | 89.5207% | 1,803 |
| Equity capital to assets | 10.2187% | 1,744 |
| Core capital (leverage) ratio | 9.9969% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $615,863,000 | 1,469 |
| Average earning assets | $592,160,500 | 1,428 |
| Average equity | $64,264,000 | 1,414 |
| Average total loans | $249,915,500 | 1,936 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6792% | 4,335 |
| Cost of funding earning assets | 0.2310% | 3,125 |
| Net interest margin | 2.4482% | 4,257 |
| Noninterest income to average assets | 0.6298% | 2,028 |
| Noninterest expense to average assets | 2.1434% | 3,258 |
| Loan and lease loss provision to assets | 0.0175% | 2,720 |
| Net operating income to assets | 0.6714% | 3,694 |
| Return on assets (ROA) | 0.6714% | 3,744 |
| Pretax return on assets | 0.8158% | 3,693 |
| Return on Equity (ROE) | 5.8085% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.8632% | 3,697 |
| Net charge-offs to loans | -0.0108% | 3,770 |
| Credit loss provision to net charge-offs | -370.3704% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0038% | 1,513 |
| Assets per employee ($millions) | 6.5721% | 2,273 |
| Cash dividends to net income (ytd only)* | 50.7057% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 453 |
| Loan loss allowance to noncurrent loans | 7,573.6111% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,025 |
| Noncurrent loans to loans | 0.0290% | 3,867 |
| Net loans and leases to total assets | 39.2620% | 4,133 |
| Net loans and leases to deposits | 44.0599% | 4,177 |
| Net loans and leases to core deposits | 45.3719% | 4,212 |
| Total domestic deposits to total assets | 89.1104% | 1,451 |
| Equity capital to assets | 10.6495% | 2,048 |
| Core capital (leverage) ratio | 10.1698% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,849,200 | 1,512 |
| Average earning assets | $546,286,400 | 1,478 |
| Average equity | $65,869,400 | 1,414 |
| Average total loans | $249,083,000 | 1,935 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5595% | 4,530 |
| Cost of funding earning assets | 0.2433% | 3,181 |
| Net interest margin | 2.3162% | 4,480 |
| Noninterest income to average assets | 0.5361% | 2,470 |
| Noninterest expense to average assets | 2.1861% | 3,114 |
| Loan and lease loss provision to assets | 0.0179% | 2,646 |
| Net operating income to assets | 0.4625% | 4,271 |
| Return on assets (ROA) | 0.4625% | 4,310 |
| Pretax return on assets | 0.5504% | 4,299 |
| Return on Equity (ROE) | 3.9156% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.8650% | 3,616 |
| Net charge-offs to loans | -0.0299% | 4,132 |
| Credit loss provision to net charge-offs | -133.9286% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3666% | 787 |
| Assets per employee ($millions) | 6.4431% | 2,304 |
| Cash dividends to net income (ytd only)* | 1.2920% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 458 |
| Loan loss allowance to noncurrent loans | 6,201.1364% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,116 |
| Noncurrent loans to loans | 0.0354% | 3,952 |
| Net loans and leases to total assets | 41.5207% | 4,123 |
| Net loans and leases to deposits | 47.0123% | 4,178 |
| Net loans and leases to core deposits | 48.4356% | 4,215 |
| Total domestic deposits to total assets | 88.3187% | 1,656 |
| Equity capital to assets | 11.3624% | 1,768 |
| Core capital (leverage) ratio | 10.5200% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,868,250 | 1,563 |
| Average earning assets | $534,306,500 | 1,519 |
| Average equity | $65,889,250 | 1,427 |
| Average total loans | $249,353,000 | 1,960 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6243% | 4,527 |
| Cost of funding earning assets | 0.2573% | 3,223 |
| Net interest margin | 2.3670% | 4,456 |
| Noninterest income to average assets | 0.5354% | 2,464 |
| Noninterest expense to average assets | 2.2090% | 3,067 |
| Loan and lease loss provision to assets | 0.0182% | 2,595 |
| Net operating income to assets | 0.4821% | 4,254 |
| Return on assets (ROA) | 0.4821% | 4,296 |
| Pretax return on assets | 0.5730% | 4,279 |
| Return on Equity (ROE) | 4.0277% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.9515% | 3,533 |
| Net charge-offs to loans | -0.0048% | 3,420 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8877% | 853 |
| Assets per employee ($millions) | 6.2556% | 2,385 |
| Cash dividends to net income (ytd only)* | 1.8911% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 450 |
| Loan loss allowance to noncurrent loans | 8,032.8358% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,218 |
| Noncurrent loans to loans | 0.0270% | 4,076 |
| Net loans and leases to total assets | 43.5314% | 4,071 |
| Net loans and leases to deposits | 49.5385% | 4,136 |
| Net loans and leases to core deposits | 51.1603% | 4,176 |
| Total domestic deposits to total assets | 87.8740% | 1,903 |
| Equity capital to assets | 11.8516% | 1,436 |
| Core capital (leverage) ratio | 10.7579% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,384,333 | 1,581 |
| Average earning assets | $524,715,333 | 1,538 |
| Average equity | $65,645,667 | 1,422 |
| Average total loans | $249,503,667 | 1,963 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6664% | 4,512 |
| Cost of funding earning assets | 0.2712% | 3,258 |
| Net interest margin | 2.3952% | 4,414 |
| Noninterest income to average assets | 0.5336% | 2,466 |
| Noninterest expense to average assets | 2.2058% | 3,090 |
| Loan and lease loss provision to assets | 0.0184% | 2,541 |
| Net operating income to assets | 0.5050% | 4,170 |
| Return on assets (ROA) | 0.5050% | 4,207 |
| Pretax return on assets | 0.6012% | 4,190 |
| Return on Equity (ROE) | 4.1969% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.1969% | 3,448 |
| Net charge-offs to loans | -0.0320% | 4,200 |
| Credit loss provision to net charge-offs | -125.0000% | 2,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0697% | 948 |
| Assets per employee ($millions) | 6.0793% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 495 |
| Loan loss allowance to noncurrent loans | 7,067.1053% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,278 |
| Noncurrent loans to loans | 0.0298% | 4,138 |
| Net loans and leases to total assets | 45.1343% | 4,029 |
| Net loans and leases to deposits | 51.3755% | 4,079 |
| Net loans and leases to core deposits | 53.0396% | 4,144 |
| Total domestic deposits to total assets | 87.8518% | 1,914 |
| Equity capital to assets | 11.8387% | 1,368 |
| Core capital (leverage) ratio | 10.9736% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,204,000 | 1,572 |
| Average earning assets | $520,700,000 | 1,535 |
| Average equity | $65,477,000 | 1,422 |
| Average total loans | $250,385,000 | 1,960 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 3,985 |
| Cost of funding earning assets | 0.4250% | 3,431 |
| Net interest margin | 3.0965% | 3,635 |
| Noninterest income to average assets | 0.6576% | 1,994 |
| Noninterest expense to average assets | 2.3752% | 3,189 |
| Loan and lease loss provision to assets | 0.0980% | 3,110 |
| Net operating income to assets | 0.9266% | 2,582 |
| Return on assets (ROA) | 0.9266% | 2,728 |
| Pretax return on assets | 1.1347% | 2,568 |
| Return on Equity (ROE) | 7.3459% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.3693% | 2,607 |
| Net charge-offs to loans | 0.0047% | 3,189 |
| Credit loss provision to net charge-offs | 4,166.6667% | 252 |
| Earnings coverage of net charge-offs (x) | 523.9167% | 224 |
| Efficiency ratio | 65.8334% | 2,557 |
| Assets per employee ($millions) | 5.6935% | 2,632 |
| Cash dividends to net income (ytd only)* | 40.5205% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 435 |
| Loan loss allowance to noncurrent loans | 9,683.6364% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,382 |
| Noncurrent loans to loans | 0.0224% | 4,245 |
| Net loans and leases to total assets | 44.9152% | 4,199 |
| Net loans and leases to deposits | 51.3785% | 4,253 |
| Net loans and leases to core deposits | 53.1132% | 4,293 |
| Total domestic deposits to total assets | 87.4203% | 1,739 |
| Equity capital to assets | 12.2312% | 1,462 |
| Core capital (leverage) ratio | 11.2733% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,017,400 | 1,521 |
| Average earning assets | $485,935,400 | 1,488 |
| Average equity | $64,335,400 | 1,380 |
| Average total loans | $256,337,800 | 1,893 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,207 |
| Cost of funding earning assets | 0.4570% | 3,484 |
| Net interest margin | 3.0459% | 3,873 |
| Noninterest income to average assets | 0.5633% | 2,335 |
| Noninterest expense to average assets | 2.4473% | 2,997 |
| Loan and lease loss provision to assets | 0.0199% | 4,085 |
| Net operating income to assets | 0.8168% | 3,031 |
| Return on assets (ROA) | 0.8168% | 3,151 |
| Pretax return on assets | 0.9966% | 3,080 |
| Return on Equity (ROE) | 6.4236% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.4236% | 1,914 |
| Net charge-offs to loans | 0.0067% | 2,884 |
| Credit loss provision to net charge-offs | 576.9231% | 1,182 |
| Earnings coverage of net charge-offs (x) | 295.3846% | 362 |
| Efficiency ratio | 70.6557% | 1,799 |
| Assets per employee ($millions) | 5.4422% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 643 |
| Loan loss allowance to noncurrent loans | 11,666.6667% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,468 |
| Noncurrent loans to loans | 0.0159% | 4,371 |
| Net loans and leases to total assets | 50.1700% | 4,093 |
| Net loans and leases to deposits | 57.8943% | 4,168 |
| Net loans and leases to core deposits | 59.8515% | 4,213 |
| Total domestic deposits to total assets | 86.6579% | 1,792 |
| Equity capital to assets | 12.7898% | 1,282 |
| Core capital (leverage) ratio | 11.4173% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $503,724,750 | 1,517 |
| Average earning assets | $479,677,500 | 1,483 |
| Average equity | $64,054,250 | 1,372 |
| Average total loans | $258,995,500 | 1,865 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,256 |
| Cost of funding earning assets | 0.4852% | 3,626 |
| Net interest margin | 3.1207% | 3,861 |
| Noninterest income to average assets | 0.5644% | 2,285 |
| Noninterest expense to average assets | 2.4647% | 3,059 |
| Loan and lease loss provision to assets | 0.0200% | 3,991 |
| Net operating income to assets | 0.8576% | 2,844 |
| Return on assets (ROA) | 0.8576% | 2,962 |
| Pretax return on assets | 1.0503% | 2,871 |
| Return on Equity (ROE) | 6.7578% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.7578% | 1,757 |
| Net charge-offs to loans | 0.0047% | 2,809 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 445.3333% | 223 |
| Efficiency ratio | 69.7224% | 1,994 |
| Assets per employee ($millions) | 5.5050% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 616 |
| Loan loss allowance to noncurrent loans | 22,186.3636% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,578 |
| Noncurrent loans to loans | 0.0082% | 4,488 |
| Net loans and leases to total assets | 49.6000% | 4,182 |
| Net loans and leases to deposits | 56.9914% | 4,263 |
| Net loans and leases to core deposits | 58.7607% | 4,317 |
| Total domestic deposits to total assets | 87.0306% | 1,602 |
| Equity capital to assets | 12.4033% | 1,425 |
| Core capital (leverage) ratio | 11.4077% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,295,667 | 1,501 |
| Average earning assets | $475,279,333 | 1,470 |
| Average equity | $63,364,000 | 1,375 |
| Average total loans | $257,232,333 | 1,862 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,163 |
| Cost of funding earning assets | 0.5460% | 3,713 |
| Net interest margin | 3.2891% | 3,616 |
| Noninterest income to average assets | 0.6280% | 1,912 |
| Noninterest expense to average assets | 2.5500% | 3,133 |
| Loan and lease loss provision to assets | 0.0206% | 3,541 |
| Net operating income to assets | 0.9622% | 2,311 |
| Return on assets (ROA) | 0.9622% | 2,413 |
| Pretax return on assets | 1.1842% | 2,251 |
| Return on Equity (ROE) | 7.4898% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.4898% | 1,378 |
| Net charge-offs to loans | 0.0048% | 2,408 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | 486.6667% | 134 |
| Efficiency ratio | 67.9121% | 2,680 |
| Assets per employee ($millions) | 5.0899% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 557 |
| Loan loss allowance to noncurrent loans | 2,122.2707% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 4,370 |
| Noncurrent loans to loans | 0.0916% | 4,146 |
| Net loans and leases to total assets | 50.7092% | 4,201 |
| Net loans and leases to deposits | 58.6059% | 4,268 |
| Net loans and leases to core deposits | 60.5181% | 4,333 |
| Total domestic deposits to total assets | 86.5257% | 1,764 |
| Equity capital to assets | 13.0507% | 1,407 |
| Core capital (leverage) ratio | 11.9301% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,702,500 | 1,501 |
| Average earning assets | $460,799,000 | 1,462 |
| Average equity | $62,271,500 | 1,384 |
| Average total loans | $252,344,500 | 1,846 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 4,381 |
| Cost of funding earning assets | 0.5082% | 4,053 |
| Net interest margin | 3.4180% | 3,689 |
| Noninterest income to average assets | 0.7550% | 1,609 |
| Noninterest expense to average assets | 2.5161% | 3,399 |
| Loan and lease loss provision to assets | 0.0635% | 2,768 |
| Net operating income to assets | 1.1571% | 2,225 |
| Return on assets (ROA) | 1.1571% | 2,320 |
| Pretax return on assets | 1.4207% | 2,082 |
| Return on Equity (ROE) | 9.1605% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.9116% | 1,913 |
| Net charge-offs to loans | 0.0281% | 2,833 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 97.4444% | 692 |
| Efficiency ratio | 62.8979% | 3,228 |
| Assets per employee ($millions) | 4.8587% | 2,762 |
| Cash dividends to net income (ytd only)* | 35.4662% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 551 |
| Loan loss allowance to noncurrent loans | 2,601.0753% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,448 |
| Noncurrent loans to loans | 0.0730% | 4,236 |
| Net loans and leases to total assets | 51.4118% | 4,263 |
| Net loans and leases to deposits | 59.0780% | 4,329 |
| Net loans and leases to core deposits | 60.8813% | 4,403 |
| Total domestic deposits to total assets | 87.0237% | 1,593 |
| Equity capital to assets | 12.6450% | 1,738 |
| Core capital (leverage) ratio | 11.9166% | 1,830 |
| Tier 1 risk-based capital ratio | 22.5440% | 960 |
| Total risk-based capital ratio | 23.8027% | 944 |
| Memoranda: | ||
| Average total assets | $472,716,400 | 1,487 |
| Average earning assets | $448,828,200 | 1,460 |
| Average equity | $59,712,800 | 1,378 |
| Average total loans | $256,097,800 | 1,795 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,490 |
| Cost of funding earning assets | 0.5034% | 4,126 |
| Net interest margin | 3.4269% | 3,783 |
| Noninterest income to average assets | 0.6612% | 1,945 |
| Noninterest expense to average assets | 2.5869% | 3,202 |
| Loan and lease loss provision to assets | 0.0213% | 3,487 |
| Net operating income to assets | 1.0677% | 2,704 |
| Return on assets (ROA) | 1.0677% | 2,789 |
| Pretax return on assets | 1.3054% | 2,651 |
| Return on Equity (ROE) | 8.4544% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.4544% | 1,221 |
| Net charge-offs to loans | 0.0406% | 2,281 |
| Credit loss provision to net charge-offs | 96.1538% | 2,326 |
| Earnings coverage of net charge-offs (x) | 59.8831% | 1,055 |
| Efficiency ratio | 66.1006% | 2,714 |
| Assets per employee ($millions) | 4.6100% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 707 |
| Loan loss allowance to noncurrent loans | 1,339.2442% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 4,348 |
| Noncurrent loans to loans | 0.1331% | 4,053 |
| Net loans and leases to total assets | 54.5128% | 4,134 |
| Net loans and leases to deposits | 63.1776% | 4,228 |
| Net loans and leases to core deposits | 65.0114% | 4,326 |
| Total domestic deposits to total assets | 86.2850% | 1,872 |
| Equity capital to assets | 13.2380% | 1,492 |
| Core capital (leverage) ratio | 12.1862% | 1,743 |
| Tier 1 risk-based capital ratio | 22.8617% | 957 |
| Total risk-based capital ratio | 24.1193% | 937 |
| Memoranda: | ||
| Average total assets | $469,428,250 | 1,504 |
| Average earning assets | $445,528,750 | 1,475 |
| Average equity | $59,281,500 | 1,387 |
| Average total loans | $256,464,250 | 1,807 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 4,600 |
| Cost of funding earning assets | 0.4957% | 4,134 |
| Net interest margin | 3.3775% | 3,964 |
| Noninterest income to average assets | 0.6501% | 1,917 |
| Noninterest expense to average assets | 2.5609% | 3,299 |
| Loan and lease loss provision to assets | 0.0212% | 3,375 |
| Net operating income to assets | 1.0431% | 2,757 |
| Return on assets (ROA) | 1.0431% | 2,828 |
| Pretax return on assets | 1.2730% | 2,662 |
| Return on Equity (ROE) | 8.3937% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.3937% | 1,244 |
| Net charge-offs to loans | 0.0336% | 2,188 |
| Credit loss provision to net charge-offs | 116.2791% | 1,789 |
| Earnings coverage of net charge-offs (x) | 70.8372% | 886 |
| Efficiency ratio | 66.4279% | 2,761 |
| Assets per employee ($millions) | 4.7531% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 649 |
| Loan loss allowance to noncurrent loans | 822.8164% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,157 |
| Noncurrent loans to loans | 0.2217% | 3,742 |
| Net loans and leases to total assets | 52.7870% | 4,305 |
| Net loans and leases to deposits | 60.8035% | 4,390 |
| Net loans and leases to core deposits | 62.1862% | 4,491 |
| Total domestic deposits to total assets | 86.8157% | 1,676 |
| Equity capital to assets | 12.8213% | 1,680 |
| Core capital (leverage) ratio | 11.8330% | 1,926 |
| Tier 1 risk-based capital ratio | 22.6008% | 985 |
| Total risk-based capital ratio | 23.8589% | 969 |
| Memoranda: | ||
| Average total assets | $470,699,670 | 1,508 |
| Average earning assets | $446,667,330 | 1,477 |
| Average equity | $58,496,000 | 1,395 |
| Average total loans | $255,810,330 | 1,818 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,652 |
| Cost of funding earning assets | 0.4944% | 4,085 |
| Net interest margin | 3.3407% | 4,059 |
| Noninterest income to average assets | 0.6415% | 1,854 |
| Noninterest expense to average assets | 2.5652% | 3,315 |
| Loan and lease loss provision to assets | 0.0212% | 3,163 |
| Net operating income to assets | 1.0060% | 2,818 |
| Return on assets (ROA) | 1.0060% | 2,859 |
| Pretax return on assets | 1.2244% | 2,718 |
| Return on Equity (ROE) | 8.2254% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.2254% | 1,587 |
| Net charge-offs to loans | 0.0467% | 1,609 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 48.8667% | 1,044 |
| Efficiency ratio | 67.3133% | 2,736 |
| Assets per employee ($millions) | 4.8620% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 721 |
| Loan loss allowance to noncurrent loans | 767.5000% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 4,161 |
| Noncurrent loans to loans | 0.2331% | 3,739 |
| Net loans and leases to total assets | 53.6089% | 4,228 |
| Net loans and leases to deposits | 61.4335% | 4,336 |
| Net loans and leases to core deposits | 62.7152% | 4,440 |
| Total domestic deposits to total assets | 87.2632% | 1,679 |
| Equity capital to assets | 12.3831% | 1,808 |
| Core capital (leverage) ratio | 11.4558% | 2,159 |
| Tier 1 risk-based capital ratio | 21.7501% | 1,081 |
| Total risk-based capital ratio | 23.0079% | 1,059 |
| Memoranda: | ||
| Average total assets | $470,770,000 | 1,521 |
| Average earning assets | $446,615,000 | 1,485 |
| Average equity | $57,578,000 | 1,406 |
| Average total loans | $257,210,500 | 1,824 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 4,741 |
| Cost of funding earning assets | 0.3704% | 4,155 |
| Net interest margin | 3.2786% | 4,314 |
| Noninterest income to average assets | 0.7445% | 1,673 |
| Noninterest expense to average assets | 2.5204% | 3,555 |
| Loan and lease loss provision to assets | 0.0646% | 2,862 |
| Net operating income to assets | 1.0086% | 2,966 |
| Return on assets (ROA) | 1.0086% | 2,953 |
| Pretax return on assets | 1.2671% | 2,630 |
| Return on Equity (ROE) | 8.4253% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,584 |
| Net charge-offs to loans | 0.0083% | 3,394 |
| Credit loss provision to net charge-offs | 1,428.5714% | 296 |
| Earnings coverage of net charge-offs (x) | 294.3810% | 333 |
| Efficiency ratio | 65.4289% | 2,965 |
| Assets per employee ($millions) | 4.7467% | 2,815 |
| Cash dividends to net income (ytd only)* | 36.8219% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 688 |
| Loan loss allowance to noncurrent loans | 657.6320% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,086 |
| Noncurrent loans to loans | 0.2728% | 3,599 |
| Net loans and leases to total assets | 53.7061% | 4,302 |
| Net loans and leases to deposits | 61.2493% | 4,414 |
| Net loans and leases to core deposits | 62.5217% | 4,516 |
| Total domestic deposits to total assets | 87.6846% | 1,452 |
| Equity capital to assets | 12.0775% | 1,840 |
| Core capital (leverage) ratio | 11.2664% | 2,289 |
| Tier 1 risk-based capital ratio | 20.9702% | 1,157 |
| Total risk-based capital ratio | 22.2280% | 1,144 |
| Memoranda: | ||
| Average total assets | $464,217,400 | 1,505 |
| Average earning assets | $440,009,200 | 1,479 |
| Average equity | $55,570,600 | 1,405 |
| Average total loans | $254,426,800 | 1,803 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 4,823 |
| Cost of funding earning assets | 0.3462% | 4,205 |
| Net interest margin | 3.2438% | 4,420 |
| Noninterest income to average assets | 0.6707% | 1,975 |
| Noninterest expense to average assets | 2.5773% | 3,357 |
| Loan and lease loss provision to assets | 0.0216% | 3,584 |
| Net operating income to assets | 0.9187% | 3,442 |
| Return on assets (ROA) | 0.9187% | 3,446 |
| Pretax return on assets | 1.1466% | 3,208 |
| Return on Equity (ROE) | 7.6923% | 3,668 |
| Retained earnings to average equity (ytd only) | 7.6923% | 1,798 |
| Net charge-offs to loans | -0.0005% | 3,992 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8101% | 2,387 |
| Assets per employee ($millions) | 4.5594% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 833 |
| Loan loss allowance to noncurrent loans | 15,739.2857% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,995 |
| Noncurrent loans to loans | 0.0109% | 4,872 |
| Net loans and leases to total assets | 54.6564% | 4,312 |
| Net loans and leases to deposits | 62.6380% | 4,415 |
| Net loans and leases to core deposits | 63.9703% | 4,516 |
| Total domestic deposits to total assets | 87.2576% | 1,619 |
| Equity capital to assets | 12.3270% | 1,684 |
| Core capital (leverage) ratio | 11.4712% | 2,188 |
| Tier 1 risk-based capital ratio | 21.1742% | 1,162 |
| Total risk-based capital ratio | 22.4309% | 1,141 |
| Memoranda: | ||
| Average total assets | $462,791,250 | 1,517 |
| Average earning assets | $438,691,250 | 1,485 |
| Average equity | $55,274,500 | 1,417 |
| Average total loans | $253,786,750 | 1,815 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,928 |
| Cost of funding earning assets | 0.3384% | 4,143 |
| Net interest margin | 3.1593% | 4,593 |
| Noninterest income to average assets | 0.6657% | 2,023 |
| Noninterest expense to average assets | 2.5870% | 3,370 |
| Loan and lease loss provision to assets | 0.0216% | 3,479 |
| Net operating income to assets | 0.8538% | 3,659 |
| Return on assets (ROA) | 0.8538% | 3,661 |
| Pretax return on assets | 1.0536% | 3,500 |
| Return on Equity (ROE) | 7.2256% | 3,823 |
| Retained earnings to average equity (ytd only) | 7.2256% | 1,965 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6409% | 2,223 |
| Assets per employee ($millions) | 4.5600% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 917 |
| Loan loss allowance to noncurrent loans | 17,524.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,024 |
| Noncurrent loans to loans | 0.0096% | 4,911 |
| Net loans and leases to total assets | 55.3185% | 4,215 |
| Net loans and leases to deposits | 63.1557% | 4,343 |
| Net loans and leases to core deposits | 64.7005% | 4,449 |
| Total domestic deposits to total assets | 87.5908% | 1,597 |
| Equity capital to assets | 12.0799% | 1,801 |
| Core capital (leverage) ratio | 11.1751% | 2,365 |
| Tier 1 risk-based capital ratio | 20.2729% | 1,276 |
| Total risk-based capital ratio | 21.5290% | 1,248 |
| Memoranda: | ||
| Average total assets | $463,556,670 | 1,524 |
| Average earning assets | $439,661,000 | 1,491 |
| Average equity | $54,777,670 | 1,427 |
| Average total loans | $253,016,670 | 1,827 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,025 |
| Cost of funding earning assets | 0.3326% | 4,118 |
| Net interest margin | 3.0666% | 4,770 |
| Noninterest income to average assets | 0.6666% | 1,972 |
| Noninterest expense to average assets | 2.6061% | 3,319 |
| Loan and lease loss provision to assets | 0.0215% | 3,254 |
| Net operating income to assets | 0.8154% | 3,648 |
| Return on assets (ROA) | 0.8154% | 3,657 |
| Pretax return on assets | 0.9496% | 3,706 |
| Return on Equity (ROE) | 6.9771% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.9771% | 2,289 |
| Net charge-offs to loans | -0.0032% | 3,891 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8541% | 2,063 |
| Assets per employee ($millions) | 4.4796% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 902 |
| Loan loss allowance to noncurrent loans | 22,936.8421% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,125 |
| Noncurrent loans to loans | 0.0075% | 4,980 |
| Net loans and leases to total assets | 54.3303% | 4,253 |
| Net loans and leases to deposits | 61.9228% | 4,346 |
| Net loans and leases to core deposits | 63.1635% | 4,474 |
| Total domestic deposits to total assets | 87.7389% | 1,769 |
| Equity capital to assets | 11.9516% | 1,824 |
| Core capital (leverage) ratio | 11.0101% | 2,427 |
| Tier 1 risk-based capital ratio | 20.2961% | 1,296 |
| Total risk-based capital ratio | 21.5524% | 1,269 |
| Memoranda: | ||
| Average total assets | $465,055,000 | 1,526 |
| Average earning assets | $441,395,000 | 1,487 |
| Average equity | $54,349,000 | 1,440 |
| Average total loans | $249,947,000 | 1,851 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3316% | 5,044 |
| Cost of funding earning assets | 0.2591% | 4,491 |
| Net interest margin | 3.0725% | 4,742 |
| Noninterest income to average assets | 0.7507% | 1,772 |
| Noninterest expense to average assets | 2.4395% | 3,965 |
| Loan and lease loss provision to assets | 0.0655% | 2,900 |
| Net operating income to assets | 0.8514% | 2,947 |
| Return on assets (ROA) | 0.8514% | 2,970 |
| Pretax return on assets | 1.1626% | 2,935 |
| Return on Equity (ROE) | 7.2637% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.4089% | 2,512 |
| Net charge-offs to loans | -0.0236% | 4,997 |
| Credit loss provision to net charge-offs | -526.3158% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5138% | 3,164 |
| Assets per employee ($millions) | 4.7797% | 2,760 |
| Cash dividends to net income (ytd only)* | 39.3022% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 859 |
| Loan loss allowance to noncurrent loans | 39,372.7273% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,184 |
| Noncurrent loans to loans | 0.0044% | 5,043 |
| Net loans and leases to total assets | 51.3449% | 4,569 |
| Net loans and leases to deposits | 58.1651% | 4,684 |
| Net loans and leases to core deposits | 59.2877% | 4,790 |
| Total domestic deposits to total assets | 88.2744% | 1,358 |
| Equity capital to assets | 11.4306% | 2,252 |
| Core capital (leverage) ratio | 10.7523% | 2,589 |
| Tier 1 risk-based capital ratio | 20.0947% | 1,296 |
| Total risk-based capital ratio | 21.3510% | 1,255 |
| Memoranda: | ||
| Average total assets | $457,839,200 | 1,520 |
| Average earning assets | $434,659,200 | 1,492 |
| Average equity | $53,664,000 | 1,435 |
| Average total loans | $241,978,200 | 1,868 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,044 |
| Cost of funding earning assets | 0.2466% | 4,593 |
| Net interest margin | 3.0979% | 4,721 |
| Noninterest income to average assets | 0.6825% | 2,072 |
| Noninterest expense to average assets | 2.4828% | 3,793 |
| Loan and lease loss provision to assets | 0.0220% | 3,705 |
| Net operating income to assets | 0.8235% | 3,422 |
| Return on assets (ROA) | 0.8235% | 3,458 |
| Pretax return on assets | 1.1180% | 3,238 |
| Return on Equity (ROE) | 6.9804% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.9804% | 1,698 |
| Net charge-offs to loans | -0.0299% | 4,997 |
| Credit loss provision to net charge-offs | -138.8889% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5311% | 2,781 |
| Assets per employee ($millions) | 4.5426% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 1,069 |
| Loan loss allowance to noncurrent loans | 3,870.7547% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,134 |
| Noncurrent loans to loans | 0.0434% | 4,918 |
| Net loans and leases to total assets | 52.8564% | 4,507 |
| Net loans and leases to deposits | 60.4502% | 4,616 |
| Net loans and leases to core deposits | 61.6815% | 4,734 |
| Total domestic deposits to total assets | 87.4379% | 1,653 |
| Equity capital to assets | 12.1200% | 1,889 |
| Core capital (leverage) ratio | 11.0604% | 2,401 |
| Tier 1 risk-based capital ratio | 20.8474% | 1,224 |
| Total risk-based capital ratio | 22.1034% | 1,189 |
| Memoranda: | ||
| Average total assets | $454,000,500 | 1,546 |
| Average earning assets | $430,909,500 | 1,512 |
| Average equity | $53,557,750 | 1,447 |
| Average total loans | $240,649,750 | 1,888 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3160% | 5,080 |
| Cost of funding earning assets | 0.2360% | 4,675 |
| Net interest margin | 3.0800% | 4,727 |
| Noninterest income to average assets | 0.6794% | 2,083 |
| Noninterest expense to average assets | 2.4687% | 3,855 |
| Loan and lease loss provision to assets | 0.0220% | 3,545 |
| Net operating income to assets | 0.8187% | 3,305 |
| Return on assets (ROA) | 0.8187% | 3,356 |
| Pretax return on assets | 1.1095% | 3,139 |
| Return on Equity (ROE) | 7.0036% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.0036% | 1,589 |
| Net charge-offs to loans | -0.0259% | 4,887 |
| Credit loss provision to net charge-offs | -161.2903% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5718% | 2,909 |
| Assets per employee ($millions) | 4.4595% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,127 |
| Loan loss allowance to noncurrent loans | 7,374.5455% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,245 |
| Noncurrent loans to loans | 0.0225% | 5,075 |
| Net loans and leases to total assets | 53.3207% | 4,454 |
| Net loans and leases to deposits | 60.8900% | 4,567 |
| Net loans and leases to core deposits | 61.9967% | 4,717 |
| Total domestic deposits to total assets | 87.5689% | 1,680 |
| Equity capital to assets | 12.0086% | 1,918 |
| Core capital (leverage) ratio | 10.8228% | 2,580 |
| Tier 1 risk-based capital ratio | 20.3939% | 1,292 |
| Total risk-based capital ratio | 21.6495% | 1,266 |
| Memoranda: | ||
| Average total assets | $453,915,000 | 1,549 |
| Average earning assets | $430,459,000 | 1,516 |
| Average equity | $53,058,330 | 1,460 |
| Average total loans | $239,464,000 | 1,890 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,135 |
| Cost of funding earning assets | 0.2267% | 4,740 |
| Net interest margin | 3.0553% | 4,775 |
| Noninterest income to average assets | 0.6715% | 2,087 |
| Noninterest expense to average assets | 2.4483% | 3,969 |
| Loan and lease loss provision to assets | 0.0219% | 3,294 |
| Net operating income to assets | 0.8120% | 3,167 |
| Return on assets (ROA) | 0.8120% | 3,225 |
| Pretax return on assets | 1.0999% | 2,988 |
| Return on Equity (ROE) | 7.0418% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.0418% | 1,835 |
| Net charge-offs to loans | -0.0202% | 4,755 |
| Credit loss provision to net charge-offs | -208.3333% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5763% | 3,113 |
| Assets per employee ($millions) | 4.5115% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 1,179 |
| Loan loss allowance to noncurrent loans | 80,220.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,391 |
| Noncurrent loans to loans | 0.0021% | 5,272 |
| Net loans and leases to total assets | 51.4389% | 4,562 |
| Net loans and leases to deposits | 58.4603% | 4,670 |
| Net loans and leases to core deposits | 59.4517% | 4,808 |
| Total domestic deposits to total assets | 87.9894% | 1,722 |
| Equity capital to assets | 11.6259% | 2,094 |
| Core capital (leverage) ratio | 10.7020% | 2,686 |
| Tier 1 risk-based capital ratio | 20.6828% | 1,267 |
| Total risk-based capital ratio | 21.9390% | 1,243 |
| Memoranda: | ||
| Average total assets | $455,666,500 | 1,552 |
| Average earning assets | $432,303,000 | 1,515 |
| Average equity | $52,543,500 | 1,468 |
| Average total loans | $237,086,500 | 1,913 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1454% | 5,361 |
| Cost of funding earning assets | 0.2350% | 4,697 |
| Net interest margin | 2.9103% | 5,123 |
| Noninterest income to average assets | 0.7865% | 1,799 |
| Noninterest expense to average assets | 2.4217% | 4,237 |
| Loan and lease loss provision to assets | 0.0661% | 3,039 |
| Net operating income to assets | 0.7960% | 3,321 |
| Return on assets (ROA) | 0.7960% | 3,421 |
| Pretax return on assets | 1.0703% | 3,215 |
| Return on Equity (ROE) | 6.9380% | 3,503 |
| Retained earnings to average equity (ytd only) | 3.9937% | 3,078 |
| Net charge-offs to loans | 0.0144% | 3,810 |
| Credit loss provision to net charge-offs | 909.0909% | 415 |
| Earnings coverage of net charge-offs (x) | 156.1818% | 411 |
| Efficiency ratio | 68.0610% | 3,218 |
| Assets per employee ($millions) | 4.5116% | 3,095 |
| Cash dividends to net income (ytd only)* | 42.4377% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,172 |
| Loan loss allowance to noncurrent loans | 66,233.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,442 |
| Noncurrent loans to loans | 0.0025% | 5,311 |
| Net loans and leases to total assets | 50.8702% | 4,701 |
| Net loans and leases to deposits | 57.6689% | 4,815 |
| Net loans and leases to core deposits | 58.8006% | 4,920 |
| Total domestic deposits to total assets | 88.2107% | 1,528 |
| Equity capital to assets | 11.4364% | 2,221 |
| Core capital (leverage) ratio | 10.5181% | 2,861 |
| Tier 1 risk-based capital ratio | 20.3277% | 1,319 |
| Total risk-based capital ratio | 21.5838% | 1,292 |
| Memoranda: | ||
| Average total assets | $453,527,600 | 1,502 |
| Average earning assets | $431,907,200 | 1,468 |
| Average equity | $52,032,200 | 1,473 |
| Average total loans | $228,534,000 | 1,919 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 5,447 |
| Cost of funding earning assets | 0.2349% | 4,755 |
| Net interest margin | 2.8897% | 5,204 |
| Noninterest income to average assets | 0.6746% | 2,292 |
| Noninterest expense to average assets | 2.4747% | 4,064 |
| Loan and lease loss provision to assets | 0.0221% | 3,801 |
| Net operating income to assets | 0.7052% | 3,814 |
| Return on assets (ROA) | 0.7052% | 3,949 |
| Pretax return on assets | 0.9330% | 3,868 |
| Return on Equity (ROE) | 6.1420% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.1420% | 2,100 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1531% | 2,560 |
| Assets per employee ($millions) | 4.4830% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 1,410 |
| Loan loss allowance to noncurrent loans | 3,820.2020% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 5,424 |
| Noncurrent loans to loans | 0.0424% | 5,193 |
| Net loans and leases to total assets | 51.2495% | 4,713 |
| Net loans and leases to deposits | 58.4773% | 4,850 |
| Net loans and leases to core deposits | 59.6913% | 4,949 |
| Total domestic deposits to total assets | 87.6401% | 1,593 |
| Equity capital to assets | 11.8801% | 2,198 |
| Core capital (leverage) ratio | 10.6092% | 2,865 |
| Tier 1 risk-based capital ratio | 20.6973% | 1,320 |
| Total risk-based capital ratio | 21.9525% | 1,294 |
| Memoranda: | ||
| Average total assets | $452,992,500 | 1,503 |
| Average earning assets | $431,916,500 | 1,466 |
| Average equity | $52,012,250 | 1,479 |
| Average total loans | $226,724,250 | 1,933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0649% | 5,577 |
| Cost of funding earning assets | 0.2343% | 4,808 |
| Net interest margin | 2.8307% | 5,381 |
| Noninterest income to average assets | 0.6701% | 2,277 |
| Noninterest expense to average assets | 2.4591% | 4,149 |
| Loan and lease loss provision to assets | 0.0220% | 3,687 |
| Net operating income to assets | 0.6741% | 3,938 |
| Return on assets (ROA) | 0.6741% | 4,075 |
| Pretax return on assets | 0.8897% | 3,991 |
| Return on Equity (ROE) | 5.9383% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,150 |
| Net charge-offs to loans | -0.0053% | 4,543 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9539% | 2,528 |
| Assets per employee ($millions) | 4.4923% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,429 |
| Loan loss allowance to noncurrent loans | 5,453.6232% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,547 |
| Noncurrent loans to loans | 0.0301% | 5,343 |
| Net loans and leases to total assets | 49.7305% | 4,857 |
| Net loans and leases to deposits | 56.4850% | 4,985 |
| Net loans and leases to core deposits | 57.6363% | 5,086 |
| Total domestic deposits to total assets | 88.0418% | 1,415 |
| Equity capital to assets | 11.5738% | 2,473 |
| Core capital (leverage) ratio | 10.3473% | 3,137 |
| Tier 1 risk-based capital ratio | 20.7072% | 1,309 |
| Total risk-based capital ratio | 21.9627% | 1,290 |
| Memoranda: | ||
| Average total assets | $454,558,330 | 1,507 |
| Average earning assets | $433,678,000 | 1,468 |
| Average equity | $51,597,000 | 1,495 |
| Average total loans | $224,455,330 | 1,957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 5,638 |
| Cost of funding earning assets | 0.2238% | 4,961 |
| Net interest margin | 2.8314% | 5,424 |
| Noninterest income to average assets | 0.6594% | 2,222 |
| Noninterest expense to average assets | 2.3896% | 4,401 |
| Loan and lease loss provision to assets | 0.0220% | 3,397 |
| Net operating income to assets | 0.7148% | 3,639 |
| Return on assets (ROA) | 0.7148% | 3,758 |
| Pretax return on assets | 0.9504% | 3,659 |
| Return on Equity (ROE) | 6.3591% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.3591% | 2,201 |
| Net charge-offs to loans | -0.0054% | 4,315 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0774% | 2,946 |
| Assets per employee ($millions) | 4.5883% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,454 |
| Loan loss allowance to noncurrent loans | 41,511.1111% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,683 |
| Noncurrent loans to loans | 0.0040% | 5,519 |
| Net loans and leases to total assets | 48.7007% | 4,910 |
| Net loans and leases to deposits | 56.0130% | 4,987 |
| Net loans and leases to core deposits | 57.0924% | 5,087 |
| Total domestic deposits to total assets | 86.9454% | 2,234 |
| Equity capital to assets | 11.3676% | 2,560 |
| Core capital (leverage) ratio | 10.1222% | 3,404 |
| Tier 1 risk-based capital ratio | 20.7155% | 1,359 |
| Total risk-based capital ratio | 21.9714% | 1,334 |
| Memoranda: | ||
| Average total assets | $454,976,500 | 1,507 |
| Average earning assets | $434,274,000 | 1,469 |
| Average equity | $51,139,000 | 1,501 |
| Average total loans | $221,982,500 | 1,967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9350% | 5,790 |
| Cost of funding earning assets | 0.2167% | 5,128 |
| Net interest margin | 2.7183% | 5,629 |
| Noninterest income to average assets | 0.7507% | 1,982 |
| Noninterest expense to average assets | 2.2363% | 4,958 |
| Loan and lease loss provision to assets | 0.0655% | 2,978 |
| Net operating income to assets | 0.7895% | 3,380 |
| Return on assets (ROA) | 0.7895% | 3,461 |
| Pretax return on assets | 1.0528% | 3,257 |
| Return on Equity (ROE) | 7.2390% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.9394% | 2,459 |
| Net charge-offs to loans | 0.0101% | 4,113 |
| Credit loss provision to net charge-offs | 1,428.5714% | 240 |
| Earnings coverage of net charge-offs (x) | 243.9524% | 286 |
| Efficiency ratio | 66.6645% | 3,801 |
| Assets per employee ($millions) | 4.6032% | 2,877 |
| Cash dividends to net income (ytd only)* | 31.7667% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6926% | 1,365 |
| Loan loss allowance to noncurrent loans | 41,188.8889% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,729 |
| Noncurrent loans to loans | 0.0041% | 5,541 |
| Net loans and leases to total assets | 47.2455% | 5,075 |
| Net loans and leases to deposits | 53.5128% | 5,188 |
| Net loans and leases to core deposits | 54.4457% | 5,284 |
| Total domestic deposits to total assets | 88.2883% | 1,482 |
| Equity capital to assets | 11.1126% | 2,718 |
| Core capital (leverage) ratio | 9.9075% | 3,631 |
| Tier 1 risk-based capital ratio | 20.6828% | 1,351 |
| Total risk-based capital ratio | 21.9387% | 1,323 |
| Memoranda: | ||
| Average total assets | $458,121,200 | 1,467 |
| Average earning assets | $438,846,200 | 1,419 |
| Average equity | $49,965,400 | 1,492 |
| Average total loans | $207,100,200 | 2,011 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8886% | 5,900 |
| Cost of funding earning assets | 0.2198% | 5,191 |
| Net interest margin | 2.6688% | 5,761 |
| Noninterest income to average assets | 0.6830% | 2,314 |
| Noninterest expense to average assets | 2.2627% | 4,880 |
| Loan and lease loss provision to assets | 0.0218% | 3,838 |
| Net operating income to assets | 0.7272% | 3,776 |
| Return on assets (ROA) | 0.7272% | 3,883 |
| Pretax return on assets | 0.9574% | 3,788 |
| Return on Equity (ROE) | 6.6991% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.6991% | 1,837 |
| Net charge-offs to loans | 0.0104% | 3,807 |
| Credit loss provision to net charge-offs | 468.7500% | 682 |
| Earnings coverage of net charge-offs (x) | 210.5902% | 347 |
| Efficiency ratio | 69.7956% | 3,242 |
| Assets per employee ($millions) | 4.8216% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 1,742 |
| Loan loss allowance to noncurrent loans | 34,870.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,817 |
| Noncurrent loans to loans | 0.0046% | 5,641 |
| Net loans and leases to total assets | 46.4199% | 5,200 |
| Net loans and leases to deposits | 52.5057% | 5,341 |
| Net loans and leases to core deposits | 53.3800% | 5,438 |
| Total domestic deposits to total assets | 88.4093% | 1,337 |
| Equity capital to assets | 11.1386% | 2,866 |
| Core capital (leverage) ratio | 9.7575% | 3,957 |
| Tier 1 risk-based capital ratio | 20.8194% | 1,379 |
| Total risk-based capital ratio | 22.0741% | 1,350 |
| Memoranda: | ||
| Average total assets | $458,722,750 | 1,469 |
| Average earning assets | $439,832,250 | 1,414 |
| Average equity | $49,796,250 | 1,502 |
| Average total loans | $204,122,250 | 2,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8265% | 5,998 |
| Cost of funding earning assets | 0.2231% | 5,223 |
| Net interest margin | 2.6034% | 5,880 |
| Noninterest income to average assets | 0.6846% | 2,283 |
| Noninterest expense to average assets | 2.2613% | 4,945 |
| Loan and lease loss provision to assets | 0.0218% | 3,695 |
| Net operating income to assets | 0.6920% | 3,924 |
| Return on assets (ROA) | 0.6920% | 4,037 |
| Pretax return on assets | 0.8986% | 3,962 |
| Return on Equity (ROE) | 6.4307% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.4307% | 1,986 |
| Net charge-offs to loans | 0.0130% | 3,467 |
| Credit loss provision to net charge-offs | 384.6154% | 763 |
| Earnings coverage of net charge-offs (x) | 162.4615% | 406 |
| Efficiency ratio | 71.0725% | 3,143 |
| Assets per employee ($millions) | 4.9129% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,681 |
| Loan loss allowance to noncurrent loans | 34,650.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,913 |
| Noncurrent loans to loans | 0.0048% | 5,755 |
| Net loans and leases to total assets | 44.5781% | 5,348 |
| Net loans and leases to deposits | 50.7336% | 5,463 |
| Net loans and leases to core deposits | 51.5844% | 5,556 |
| Total domestic deposits to total assets | 87.8670% | 1,716 |
| Equity capital to assets | 10.9421% | 2,943 |
| Core capital (leverage) ratio | 9.6453% | 4,080 |
| Tier 1 risk-based capital ratio | 20.6399% | 1,430 |
| Total risk-based capital ratio | 21.8948% | 1,402 |
| Memoranda: | ||
| Average total assets | $458,945,000 | 1,478 |
| Average earning assets | $440,187,000 | 1,424 |
| Average equity | $49,388,000 | 1,522 |
| Average total loans | $200,124,330 | 2,085 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7962% | 6,073 |
| Cost of funding earning assets | 0.2239% | 5,279 |
| Net interest margin | 2.5723% | 5,946 |
| Noninterest income to average assets | 0.7209% | 2,061 |
| Noninterest expense to average assets | 2.2358% | 5,058 |
| Loan and lease loss provision to assets | 0.0217% | 3,429 |
| Net operating income to assets | 0.7087% | 3,754 |
| Return on assets (ROA) | 0.7087% | 3,882 |
| Pretax return on assets | 0.9314% | 3,777 |
| Return on Equity (ROE) | 6.6416% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.6416% | 2,170 |
| Net charge-offs to loans | 0.0285% | 2,611 |
| Credit loss provision to net charge-offs | 178.5714% | 1,134 |
| Earnings coverage of net charge-offs (x) | 78.2857% | 604 |
| Efficiency ratio | 70.1118% | 3,468 |
| Assets per employee ($millions) | 4.8007% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 1,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 42.1602% | 5,470 |
| Net loans and leases to deposits | 47.4360% | 5,594 |
| Net loans and leases to core deposits | 48.2141% | 5,664 |
| Total domestic deposits to total assets | 88.8781% | 1,344 |
| Equity capital to assets | 10.7255% | 3,294 |
| Core capital (leverage) ratio | 9.5395% | 4,213 |
| Tier 1 risk-based capital ratio | 21.6098% | 1,299 |
| Total risk-based capital ratio | 22.8656% | 1,272 |
| Memoranda: | ||
| Average total assets | $459,965,500 | 1,478 |
| Average earning assets | $441,313,500 | 1,424 |
| Average equity | $49,084,500 | 1,533 |
| Average total loans | $196,614,500 | 2,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 6,143 |
| Cost of funding earning assets | 0.2484% | 5,341 |
| Net interest margin | 2.6487% | 6,015 |
| Noninterest income to average assets | 0.7934% | 1,905 |
| Noninterest expense to average assets | 2.2557% | 5,224 |
| Loan and lease loss provision to assets | 0.0928% | 2,616 |
| Net operating income to assets | 0.7405% | 3,676 |
| Return on assets (ROA) | 0.7405% | 3,783 |
| Pretax return on assets | 0.9776% | 3,584 |
| Return on Equity (ROE) | 6.6549% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.6582% | 2,853 |
| Net charge-offs to loans | 0.0450% | 3,925 |
| Credit loss provision to net charge-offs | 465.1163% | 564 |
| Earnings coverage of net charge-offs (x) | 53.6628% | 875 |
| Efficiency ratio | 67.8195% | 3,930 |
| Assets per employee ($millions) | 4.7819% | 2,616 |
| Cash dividends to net income (ytd only)* | 30.0031% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 1,648 |
| Loan loss allowance to noncurrent loans | 11,058.0645% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,057 |
| Noncurrent loans to loans | 0.0159% | 5,843 |
| Net loans and leases to total assets | 41.8372% | 5,632 |
| Net loans and leases to deposits | 47.0097% | 5,744 |
| Net loans and leases to core deposits | 47.8115% | 5,820 |
| Total domestic deposits to total assets | 88.9970% | 1,237 |
| Equity capital to assets | 10.6170% | 3,341 |
| Core capital (leverage) ratio | 9.7281% | 3,932 |
| Tier 1 risk-based capital ratio | 21.4735% | 1,317 |
| Total risk-based capital ratio | 22.7298% | 1,287 |
| Memoranda: | ||
| Average total assets | $431,176,200 | 1,545 |
| Average earning assets | $412,277,800 | 1,485 |
| Average equity | $47,979,800 | 1,502 |
| Average total loans | $191,209,200 | 2,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9226% | 6,185 |
| Cost of funding earning assets | 0.2543% | 5,362 |
| Net interest margin | 2.6683% | 6,043 |
| Noninterest income to average assets | 0.7314% | 2,178 |
| Noninterest expense to average assets | 2.3281% | 5,033 |
| Loan and lease loss provision to assets | 0.0236% | 3,933 |
| Net operating income to assets | 0.7091% | 3,894 |
| Return on assets (ROA) | 0.7091% | 4,003 |
| Pretax return on assets | 0.9291% | 3,867 |
| Return on Equity (ROE) | 6.2940% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,219 |
| Net charge-offs to loans | 0.0105% | 4,370 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 202.0615% | 317 |
| Efficiency ratio | 70.9619% | 3,345 |
| Assets per employee ($millions) | 4.4533% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,255 |
| Loan loss allowance to noncurrent loans | 2,479.6875% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,051 |
| Noncurrent loans to loans | 0.0651% | 5,755 |
| Net loans and leases to total assets | 44.7886% | 5,472 |
| Net loans and leases to deposits | 50.7994% | 5,592 |
| Net loans and leases to core deposits | 51.6778% | 5,707 |
| Total domestic deposits to total assets | 88.1676% | 1,680 |
| Equity capital to assets | 11.2860% | 2,670 |
| Core capital (leverage) ratio | 9.8121% | 3,925 |
| Tier 1 risk-based capital ratio | 21.4988% | 1,347 |
| Total risk-based capital ratio | 22.7534% | 1,321 |
| Memoranda: | ||
| Average total assets | $424,203,500 | 1,577 |
| Average earning assets | $405,288,750 | 1,520 |
| Average equity | $47,790,000 | 1,515 |
| Average total loans | $190,139,250 | 2,128 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9154% | 6,246 |
| Cost of funding earning assets | 0.2579% | 5,407 |
| Net interest margin | 2.6574% | 6,104 |
| Noninterest income to average assets | 0.7410% | 2,087 |
| Noninterest expense to average assets | 2.3457% | 5,038 |
| Loan and lease loss provision to assets | 0.0237% | 3,804 |
| Net operating income to assets | 0.6964% | 3,859 |
| Return on assets (ROA) | 0.6964% | 3,950 |
| Pretax return on assets | 0.9079% | 3,862 |
| Return on Equity (ROE) | 6.1850% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.1850% | 2,221 |
| Net charge-offs to loans | -0.0021% | 5,063 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5733% | 3,418 |
| Assets per employee ($millions) | 4.3766% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 2,265 |
| Loan loss allowance to noncurrent loans | 2,553.2258% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 6,120 |
| Noncurrent loans to loans | 0.0649% | 5,831 |
| Net loans and leases to total assets | 44.7156% | 5,482 |
| Net loans and leases to deposits | 50.7591% | 5,575 |
| Net loans and leases to core deposits | 51.6896% | 5,679 |
| Total domestic deposits to total assets | 88.0938% | 1,854 |
| Equity capital to assets | 11.4366% | 2,480 |
| Core capital (leverage) ratio | 10.0312% | 3,569 |
| Tier 1 risk-based capital ratio | 21.4597% | 1,352 |
| Total risk-based capital ratio | 22.7146% | 1,327 |
| Memoranda: | ||
| Average total assets | $421,615,670 | 1,583 |
| Average earning assets | $402,419,330 | 1,525 |
| Average equity | $47,469,330 | 1,514 |
| Average total loans | $187,970,330 | 2,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8962% | 6,330 |
| Cost of funding earning assets | 0.2600% | 5,492 |
| Net interest margin | 2.6362% | 6,187 |
| Noninterest income to average assets | 0.8003% | 1,748 |
| Noninterest expense to average assets | 2.3649% | 5,021 |
| Loan and lease loss provision to assets | 0.0237% | 3,523 |
| Net operating income to assets | 0.7103% | 3,631 |
| Return on assets (ROA) | 0.7103% | 3,713 |
| Pretax return on assets | 0.9281% | 3,596 |
| Return on Equity (ROE) | 6.3588% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.3588% | 2,349 |
| Net charge-offs to loans | -0.0021% | 4,710 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3021% | 3,609 |
| Assets per employee ($millions) | 4.4286% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 2,367 |
| Loan loss allowance to noncurrent loans | 2,552.8455% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,207 |
| Noncurrent loans to loans | 0.0665% | 5,942 |
| Net loans and leases to total assets | 43.2472% | 5,574 |
| Net loans and leases to deposits | 49.0109% | 5,668 |
| Net loans and leases to core deposits | 49.9675% | 5,762 |
| Total domestic deposits to total assets | 88.2400% | 2,086 |
| Equity capital to assets | 11.2699% | 2,461 |
| Core capital (leverage) ratio | 9.7510% | 3,928 |
| Tier 1 risk-based capital ratio | 21.3372% | 1,409 |
| Total risk-based capital ratio | 22.5922% | 1,385 |
| Memoranda: | ||
| Average total assets | $422,348,000 | 1,586 |
| Average earning assets | $403,151,000 | 1,523 |
| Average equity | $47,178,500 | 1,512 |
| Average total loans | $186,436,000 | 2,168 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0705% | 6,270 |
| Cost of funding earning assets | 0.3055% | 5,553 |
| Net interest margin | 2.7650% | 6,038 |
| Noninterest income to average assets | 0.7745% | 2,187 |
| Noninterest expense to average assets | 2.3090% | 5,356 |
| Loan and lease loss provision to assets | 0.0974% | 3,177 |
| Net operating income to assets | 0.7679% | 3,454 |
| Return on assets (ROA) | 0.7679% | 3,550 |
| Pretax return on assets | 0.9986% | 3,353 |
| Return on Equity (ROE) | 6.7949% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.1436% | 2,504 |
| Net charge-offs to loans | 0.0510% | 4,507 |
| Credit loss provision to net charge-offs | 439.5604% | 519 |
| Earnings coverage of net charge-offs (x) | 49.4396% | 799 |
| Efficiency ratio | 67.8114% | 4,233 |
| Assets per employee ($millions) | 4.4630% | 2,965 |
| Cash dividends to net income (ytd only)* | 24.3020% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,538 |
| Loan loss allowance to noncurrent loans | 2,289.7059% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,284 |
| Noncurrent loans to loans | 0.0724% | 6,002 |
| Net loans and leases to total assets | 43.5563% | 5,713 |
| Net loans and leases to deposits | 49.2597% | 5,814 |
| Net loans and leases to core deposits | 50.2096% | 5,923 |
| Total domestic deposits to total assets | 88.4219% | 1,937 |
| Equity capital to assets | 11.0719% | 2,550 |
| Core capital (leverage) ratio | 9.8946% | 3,717 |
| Tier 1 risk-based capital ratio | 20.0138% | 1,651 |
| Total risk-based capital ratio | 21.2676% | 1,622 |
| Memoranda: | ||
| Average total assets | $410,474,400 | 1,607 |
| Average earning assets | $390,525,400 | 1,551 |
| Average equity | $46,387,400 | 1,506 |
| Average total loans | $178,544,400 | 2,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 6,315 |
| Cost of funding earning assets | 0.3173% | 5,577 |
| Net interest margin | 2.7862% | 6,038 |
| Noninterest income to average assets | 0.6960% | 2,632 |
| Noninterest expense to average assets | 2.3280% | 5,246 |
| Loan and lease loss provision to assets | 0.0246% | 4,519 |
| Net operating income to assets | 0.7674% | 3,524 |
| Return on assets (ROA) | 0.7674% | 3,652 |
| Pretax return on assets | 0.9920% | 3,533 |
| Return on Equity (ROE) | 6.7546% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.7546% | 2,001 |
| Net charge-offs to loans | 0.0598% | 4,053 |
| Credit loss provision to net charge-offs | 94.9367% | 2,507 |
| Earnings coverage of net charge-offs (x) | 39.2914% | 1,017 |
| Efficiency ratio | 69.6044% | 3,817 |
| Assets per employee ($millions) | 4.4688% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,294 |
| Loan loss allowance to noncurrent loans | 1,945.1389% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,363 |
| Noncurrent loans to loans | 0.0790% | 6,098 |
| Net loans and leases to total assets | 43.6419% | 5,757 |
| Net loans and leases to deposits | 49.5985% | 5,864 |
| Net loans and leases to core deposits | 50.8018% | 5,967 |
| Total domestic deposits to total assets | 87.9905% | 2,137 |
| Equity capital to assets | 11.3864% | 2,393 |
| Core capital (leverage) ratio | 9.9502% | 3,743 |
| Tier 1 risk-based capital ratio | 20.3734% | 1,636 |
| Total risk-based capital ratio | 21.6259% | 1,607 |
| Memoranda: | ||
| Average total assets | $407,097,500 | 1,632 |
| Average earning assets | $386,996,750 | 1,571 |
| Average equity | $46,248,500 | 1,526 |
| Average total loans | $176,234,250 | 2,244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1054% | 6,337 |
| Cost of funding earning assets | 0.3296% | 5,570 |
| Net interest margin | 2.7758% | 6,053 |
| Noninterest income to average assets | 0.6817% | 2,732 |
| Noninterest expense to average assets | 2.3103% | 5,340 |
| Loan and lease loss provision to assets | 0.0246% | 4,426 |
| Net operating income to assets | 0.7640% | 3,499 |
| Return on assets (ROA) | 0.7640% | 3,653 |
| Pretax return on assets | 0.9829% | 3,588 |
| Return on Equity (ROE) | 6.7303% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.7303% | 2,016 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6330% | 3,897 |
| Assets per employee ($millions) | 4.3918% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 3,184 |
| Loan loss allowance to noncurrent loans | 2,248.0315% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,422 |
| Noncurrent loans to loans | 0.0708% | 6,184 |
| Net loans and leases to total assets | 43.7027% | 5,766 |
| Net loans and leases to deposits | 49.9505% | 5,844 |
| Net loans and leases to core deposits | 51.1892% | 5,945 |
| Total domestic deposits to total assets | 87.4921% | 2,542 |
| Equity capital to assets | 11.4954% | 2,298 |
| Core capital (leverage) ratio | 9.8280% | 3,758 |
| Tier 1 risk-based capital ratio | 19.8276% | 1,760 |
| Total risk-based capital ratio | 21.0801% | 1,735 |
| Memoranda: | ||
| Average total assets | $405,752,670 | 1,636 |
| Average earning assets | $385,332,670 | 1,575 |
| Average equity | $46,060,330 | 1,540 |
| Average total loans | $174,236,670 | 2,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 6,397 |
| Cost of funding earning assets | 0.3432% | 5,615 |
| Net interest margin | 2.7587% | 6,116 |
| Noninterest income to average assets | 0.6562% | 2,843 |
| Noninterest expense to average assets | 2.3216% | 5,364 |
| Loan and lease loss provision to assets | 0.0246% | 4,160 |
| Net operating income to assets | 0.7270% | 3,556 |
| Return on assets (ROA) | 0.7270% | 3,691 |
| Pretax return on assets | 0.9277% | 3,660 |
| Return on Equity (ROE) | 6.4447% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.4447% | 2,433 |
| Net charge-offs to loans | -0.0023% | 5,166 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9135% | 3,807 |
| Assets per employee ($millions) | 4.2539% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,244 |
| Loan loss allowance to noncurrent loans | 3,330.5882% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,522 |
| Noncurrent loans to loans | 0.0492% | 6,335 |
| Net loans and leases to total assets | 41.6211% | 5,874 |
| Net loans and leases to deposits | 47.2302% | 5,977 |
| Net loans and leases to core deposits | 48.5224% | 6,065 |
| Total domestic deposits to total assets | 88.1239% | 2,240 |
| Equity capital to assets | 11.2610% | 2,668 |
| Core capital (leverage) ratio | 9.5754% | 3,965 |
| Tier 1 risk-based capital ratio | 19.6532% | 1,864 |
| Total risk-based capital ratio | 20.9056% | 1,841 |
| Memoranda: | ||
| Average total assets | $406,608,500 | 1,649 |
| Average earning assets | $385,831,000 | 1,588 |
| Average equity | $45,867,500 | 1,558 |
| Average total loans | $171,639,000 | 2,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 6,655 |
| Cost of funding earning assets | 0.4291% | 5,728 |
| Net interest margin | 2.7853% | 6,395 |
| Noninterest income to average assets | 0.8517% | 2,034 |
| Noninterest expense to average assets | 2.2243% | 5,869 |
| Loan and lease loss provision to assets | 0.0727% | 4,821 |
| Net operating income to assets | 0.9067% | 2,785 |
| Return on assets (ROA) | 0.9067% | 3,025 |
| Pretax return on assets | 1.1987% | 2,813 |
| Return on Equity (ROE) | 8.4283% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.7030% | 1,716 |
| Net charge-offs to loans | 0.0296% | 5,492 |
| Credit loss provision to net charge-offs | 612.2449% | 400 |
| Earnings coverage of net charge-offs (x) | 107.0816% | 362 |
| Efficiency ratio | 63.6307% | 4,953 |
| Assets per employee ($millions) | 4.4005% | 3,146 |
| Cash dividends to net income (ytd only)* | 20.4703% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,132 |
| Loan loss allowance to noncurrent loans | 5,194.4444% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 6,497 |
| Noncurrent loans to loans | 0.0317% | 6,431 |
| Net loans and leases to total assets | 41.4167% | 6,057 |
| Net loans and leases to deposits | 47.0428% | 6,171 |
| Net loans and leases to core deposits | 48.3821% | 6,249 |
| Total domestic deposits to total assets | 88.0403% | 2,213 |
| Equity capital to assets | 11.3002% | 2,632 |
| Core capital (leverage) ratio | 9.4818% | 4,132 |
| Tier 1 risk-based capital ratio | 19.2374% | 1,882 |
| Total risk-based capital ratio | 20.4896% | 1,863 |
| Memoranda: | ||
| Average total assets | $412,712,000 | 1,588 |
| Average earning assets | $391,775,200 | 1,534 |
| Average equity | $44,398,200 | 1,568 |
| Average total loans | $165,428,400 | 2,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2218% | 6,782 |
| Cost of funding earning assets | 0.4470% | 5,816 |
| Net interest margin | 2.7749% | 6,540 |
| Noninterest income to average assets | 0.7980% | 2,253 |
| Noninterest expense to average assets | 2.2439% | 5,837 |
| Loan and lease loss provision to assets | 0.0241% | 5,489 |
| Net operating income to assets | 0.8845% | 3,058 |
| Return on assets (ROA) | 0.8845% | 3,294 |
| Pretax return on assets | 1.1649% | 3,111 |
| Return on Equity (ROE) | 8.3247% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.3247% | 1,483 |
| Net charge-offs to loans | 0.0081% | 5,607 |
| Credit loss provision to net charge-offs | 750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 369.8830% | 123 |
| Efficiency ratio | 65.3648% | 4,566 |
| Assets per employee ($millions) | 4.4659% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,642 |
| Loan loss allowance to noncurrent loans | 29,100.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,671 |
| Noncurrent loans to loans | 0.0054% | 6,676 |
| Net loans and leases to total assets | 39.0919% | 6,343 |
| Net loans and leases to deposits | 44.1990% | 6,491 |
| Net loans and leases to core deposits | 45.3965% | 6,543 |
| Total domestic deposits to total assets | 88.4453% | 1,756 |
| Equity capital to assets | 10.8205% | 3,475 |
| Core capital (leverage) ratio | 9.2860% | 4,607 |
| Tier 1 risk-based capital ratio | 19.3645% | 1,903 |
| Total risk-based capital ratio | 20.6160% | 1,877 |
| Memoranda: | ||
| Average total assets | $414,679,500 | 1,597 |
| Average earning assets | $393,763,750 | 1,541 |
| Average equity | $44,060,750 | 1,598 |
| Average total loans | $164,166,250 | 2,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 6,855 |
| Cost of funding earning assets | 0.4722% | 5,815 |
| Net interest margin | 2.7625% | 6,631 |
| Noninterest income to average assets | 0.8257% | 2,075 |
| Noninterest expense to average assets | 2.2244% | 5,941 |
| Loan and lease loss provision to assets | 0.0242% | 5,364 |
| Net operating income to assets | 0.9076% | 2,876 |
| Return on assets (ROA) | 0.9076% | 3,146 |
| Pretax return on assets | 1.1981% | 2,933 |
| Return on Equity (ROE) | 8.5951% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.5951% | 1,417 |
| Net charge-offs to loans | -0.0037% | 6,131 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5356% | 4,794 |
| Assets per employee ($millions) | 4.5840% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,688 |
| Loan loss allowance to noncurrent loans | 5,111.7647% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 6,704 |
| Noncurrent loans to loans | 0.0308% | 6,611 |
| Net loans and leases to total assets | 37.7932% | 6,496 |
| Net loans and leases to deposits | 42.4528% | 6,627 |
| Net loans and leases to core deposits | 43.5975% | 6,678 |
| Total domestic deposits to total assets | 89.0242% | 1,490 |
| Equity capital to assets | 10.3075% | 3,928 |
| Core capital (leverage) ratio | 9.1831% | 4,638 |
| Tier 1 risk-based capital ratio | 18.8429% | 2,011 |
| Total risk-based capital ratio | 20.0942% | 1,993 |
| Memoranda: | ||
| Average total assets | $412,974,330 | 1,605 |
| Average earning assets | $391,812,670 | 1,549 |
| Average equity | $43,606,330 | 1,605 |
| Average total loans | $163,313,330 | 2,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 6,868 |
| Cost of funding earning assets | 0.5055% | 5,780 |
| Net interest margin | 2.8314% | 6,584 |
| Noninterest income to average assets | 0.7693% | 2,302 |
| Noninterest expense to average assets | 2.2811% | 5,816 |
| Loan and lease loss provision to assets | 0.0248% | 5,039 |
| Net operating income to assets | 0.8772% | 3,028 |
| Return on assets (ROA) | 0.8772% | 3,251 |
| Pretax return on assets | 1.1475% | 3,125 |
| Return on Equity (ROE) | 8.2032% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.2032% | 1,904 |
| Net charge-offs to loans | -0.1011% | 6,789 |
| Credit loss provision to net charge-offs | -60.9756% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0550% | 4,547 |
| Assets per employee ($millions) | 4.3152% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,661 |
| Loan loss allowance to noncurrent loans | 2,568.6275% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 6,627 |
| Noncurrent loans to loans | 0.0629% | 6,596 |
| Net loans and leases to total assets | 39.7387% | 6,368 |
| Net loans and leases to deposits | 44.9292% | 6,495 |
| Net loans and leases to core deposits | 46.1718% | 6,558 |
| Total domestic deposits to total assets | 88.4473% | 2,039 |
| Equity capital to assets | 10.8114% | 3,131 |
| Core capital (leverage) ratio | 9.0874% | 4,703 |
| Tier 1 risk-based capital ratio | 18.6101% | 2,107 |
| Total risk-based capital ratio | 19.8616% | 2,075 |
| Memoranda: | ||
| Average total assets | $404,015,500 | 1,639 |
| Average earning assets | $382,985,000 | 1,581 |
| Average equity | $43,202,500 | 1,614 |
| Average total loans | $162,242,500 | 2,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4223% | 7,038 |
| Cost of funding earning assets | 0.6576% | 5,783 |
| Net interest margin | 2.7647% | 6,863 |
| Noninterest income to average assets | 0.8629% | 1,790 |
| Noninterest expense to average assets | 2.2559% | 6,151 |
| Loan and lease loss provision to assets | 0.0626% | 5,824 |
| Net operating income to assets | 0.8850% | 2,666 |
| Return on assets (ROA) | 0.8850% | 2,802 |
| Pretax return on assets | 1.1562% | 2,625 |
| Return on Equity (ROE) | 8.6345% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.7624% | 1,614 |
| Net charge-offs to loans | 0.0686% | 5,624 |
| Credit loss provision to net charge-offs | 238.0952% | 1,020 |
| Earnings coverage of net charge-offs (x) | 46.3429% | 595 |
| Efficiency ratio | 64.9221% | 4,964 |
| Assets per employee ($millions) | 4.4209% | 3,036 |
| Cash dividends to net income (ytd only)* | 21.6813% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,695 |
| Loan loss allowance to noncurrent loans | 798.1250% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 6,666 |
| Noncurrent loans to loans | 0.1971% | 6,353 |
| Net loans and leases to total assets | 39.2986% | 6,583 |
| Net loans and leases to deposits | 44.3392% | 6,706 |
| Net loans and leases to core deposits | 45.8071% | 6,743 |
| Total domestic deposits to total assets | 88.6318% | 1,766 |
| Equity capital to assets | 10.5768% | 3,443 |
| Core capital (leverage) ratio | 8.7717% | 5,142 |
| Tier 1 risk-based capital ratio | 17.9287% | 2,217 |
| Total risk-based capital ratio | 19.1795% | 2,191 |
| Memoranda: | ||
| Average total assets | $399,226,400 | 1,626 |
| Average earning assets | $377,143,000 | 1,572 |
| Average equity | $40,917,400 | 1,644 |
| Average total loans | $153,108,600 | 2,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 7,122 |
| Cost of funding earning assets | 0.6875% | 5,837 |
| Net interest margin | 2.7440% | 6,953 |
| Noninterest income to average assets | 0.7902% | 2,104 |
| Noninterest expense to average assets | 2.2542% | 6,158 |
| Loan and lease loss provision to assets | 0.0252% | 6,140 |
| Net operating income to assets | 0.8473% | 2,951 |
| Return on assets (ROA) | 0.8473% | 3,103 |
| Pretax return on assets | 1.1009% | 3,005 |
| Return on Equity (ROE) | 8.3347% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.3347% | 1,374 |
| Net charge-offs to loans | 0.0354% | 5,649 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 83.9031% | 430 |
| Efficiency ratio | 66.6865% | 4,589 |
| Assets per employee ($millions) | 4.5810% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,951 |
| Loan loss allowance to noncurrent loans | 2,519.5876% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,909 |
| Noncurrent loans to loans | 0.0608% | 6,782 |
| Net loans and leases to total assets | 38.0999% | 6,766 |
| Net loans and leases to deposits | 42.9638% | 6,875 |
| Net loans and leases to core deposits | 44.5227% | 6,903 |
| Total domestic deposits to total assets | 88.6791% | 1,640 |
| Equity capital to assets | 10.4325% | 3,789 |
| Core capital (leverage) ratio | 8.7937% | 5,276 |
| Tier 1 risk-based capital ratio | 18.0471% | 2,234 |
| Total risk-based capital ratio | 19.2976% | 2,194 |
| Memoranda: | ||
| Average total assets | $397,352,500 | 1,646 |
| Average earning assets | $375,063,250 | 1,594 |
| Average equity | $40,392,250 | 1,668 |
| Average total loans | $150,788,250 | 2,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 7,192 |
| Cost of funding earning assets | 0.7245% | 5,806 |
| Net interest margin | 2.7187% | 7,006 |
| Noninterest income to average assets | 0.7748% | 2,134 |
| Noninterest expense to average assets | 2.2545% | 6,232 |
| Loan and lease loss provision to assets | 0.0255% | 5,982 |
| Net operating income to assets | 0.8171% | 3,000 |
| Return on assets (ROA) | 0.8171% | 3,121 |
| Pretax return on assets | 1.0541% | 3,030 |
| Return on Equity (ROE) | 8.1126% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.1126% | 1,422 |
| Net charge-offs to loans | 0.0527% | 5,122 |
| Credit loss provision to net charge-offs | 128.2051% | 2,383 |
| Earnings coverage of net charge-offs (x) | 54.3077% | 584 |
| Efficiency ratio | 67.6196% | 4,585 |
| Assets per employee ($millions) | 4.3497% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,736 |
| Loan loss allowance to noncurrent loans | 6,368.4211% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 6,987 |
| Noncurrent loans to loans | 0.0249% | 6,930 |
| Net loans and leases to total assets | 38.2911% | 6,846 |
| Net loans and leases to deposits | 43.1018% | 6,952 |
| Net loans and leases to core deposits | 44.7647% | 6,985 |
| Total domestic deposits to total assets | 88.8388% | 1,639 |
| Equity capital to assets | 10.4368% | 3,592 |
| Core capital (leverage) ratio | 8.7469% | 5,145 |
| Tier 1 risk-based capital ratio | 18.5022% | 2,012 |
| Total risk-based capital ratio | 19.7535% | 1,962 |
| Memoranda: | ||
| Average total assets | $392,373,330 | 1,675 |
| Average earning assets | $369,373,330 | 1,626 |
| Average equity | $39,519,000 | 1,689 |
| Average total loans | $147,875,670 | 2,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 7,229 |
| Cost of funding earning assets | 0.7556% | 5,826 |
| Net interest margin | 2.7057% | 7,011 |
| Noninterest income to average assets | 0.7627% | 2,207 |
| Noninterest expense to average assets | 2.2656% | 6,269 |
| Loan and lease loss provision to assets | 0.0255% | 5,643 |
| Net operating income to assets | 0.7922% | 3,070 |
| Return on assets (ROA) | 0.7922% | 3,140 |
| Pretax return on assets | 1.0132% | 3,084 |
| Return on Equity (ROE) | 8.0103% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.0103% | 1,730 |
| Net charge-offs to loans | 0.1208% | 3,809 |
| Credit loss provision to net charge-offs | 56.8182% | 3,604 |
| Earnings coverage of net charge-offs (x) | 23.1818% | 1,029 |
| Efficiency ratio | 68.5670% | 4,544 |
| Assets per employee ($millions) | 4.3964% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,533 |
| Loan loss allowance to noncurrent loans | 7,706.4516% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 7,060 |
| Noncurrent loans to loans | 0.0214% | 7,010 |
| Net loans and leases to total assets | 36.0181% | 6,999 |
| Net loans and leases to deposits | 40.3020% | 7,085 |
| Net loans and leases to core deposits | 42.1053% | 7,108 |
| Total domestic deposits to total assets | 89.3706% | 1,550 |
| Equity capital to assets | 9.9718% | 3,811 |
| Core capital (leverage) ratio | 8.5532% | 5,344 |
| Tier 1 risk-based capital ratio | 18.6143% | 1,920 |
| Total risk-based capital ratio | 19.8656% | 1,872 |
| Memoranda: | ||
| Average total assets | $392,824,000 | 1,680 |
| Average earning assets | $369,000,500 | 1,636 |
| Average equity | $38,850,000 | 1,713 |
| Average total loans | $145,654,000 | 2,777 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 7,114 |
| Cost of funding earning assets | 0.9146% | 6,108 |
| Net interest margin | 3.1091% | 6,502 |
| Noninterest income to average assets | 0.8098% | 2,233 |
| Noninterest expense to average assets | 2.4174% | 6,053 |
| Loan and lease loss provision to assets | 0.0552% | 6,592 |
| Net operating income to assets | 0.9163% | 2,328 |
| Return on assets (ROA) | 0.9163% | 2,453 |
| Pretax return on assets | 1.2091% | 2,195 |
| Return on Equity (ROE) | 8.7841% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.7574% | 1,426 |
| Net charge-offs to loans | 0.0344% | 6,456 |
| Credit loss provision to net charge-offs | 384.6154% | 643 |
| Earnings coverage of net charge-offs (x) | 88.0962% | 279 |
| Efficiency ratio | 65.6597% | 5,032 |
| Assets per employee ($millions) | 4.3330% | 3,144 |
| Cash dividends to net income (ytd only)* | 23.0723% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,409 |
| Loan loss allowance to noncurrent loans | 1,267.8947% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 6,986 |
| Noncurrent loans to loans | 0.1298% | 6,813 |
| Net loans and leases to total assets | 36.9244% | 7,117 |
| Net loans and leases to deposits | 41.2318% | 7,216 |
| Net loans and leases to core deposits | 43.0350% | 7,230 |
| Total domestic deposits to total assets | 89.5534% | 1,355 |
| Equity capital to assets | 9.8069% | 3,989 |
| Core capital (leverage) ratio | 8.6151% | 5,173 |
| Tier 1 risk-based capital ratio | 17.3672% | 2,215 |
| Total risk-based capital ratio | 18.6183% | 2,182 |
| Memoranda: | ||
| Average total assets | $362,326,200 | 1,808 |
| Average earning assets | $334,690,200 | 1,781 |
| Average equity | $37,795,400 | 1,744 |
| Average total loans | $151,267,600 | 2,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 7,284 |
| Cost of funding earning assets | 0.9359% | 6,244 |
| Net interest margin | 3.0561% | 6,715 |
| Noninterest income to average assets | 0.7285% | 2,650 |
| Noninterest expense to average assets | 2.4834% | 5,769 |
| Loan and lease loss provision to assets | 0.0281% | 6,789 |
| Net operating income to assets | 0.7990% | 2,997 |
| Return on assets (ROA) | 0.7990% | 3,162 |
| Pretax return on assets | 1.0320% | 3,063 |
| Return on Equity (ROE) | 7.5363% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.5363% | 1,584 |
| Net charge-offs to loans | 0.0280% | 6,285 |
| Credit loss provision to net charge-offs | 234.3750% | 1,447 |
| Earnings coverage of net charge-offs (x) | 88.3035% | 349 |
| Efficiency ratio | 70.0826% | 4,047 |
| Assets per employee ($millions) | 4.2008% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 4,148 |
| Loan loss allowance to noncurrent loans | 1,339.5349% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 7,114 |
| Noncurrent loans to loans | 0.1091% | 6,967 |
| Net loans and leases to total assets | 41.0732% | 7,021 |
| Net loans and leases to deposits | 46.3016% | 7,161 |
| Net loans and leases to core deposits | 48.2782% | 7,190 |
| Total domestic deposits to total assets | 88.7079% | 1,558 |
| Equity capital to assets | 10.3433% | 3,711 |
| Core capital (leverage) ratio | 8.6875% | 5,207 |
| Tier 1 risk-based capital ratio | 16.1097% | 2,710 |
| Total risk-based capital ratio | 17.2989% | 2,690 |
| Memoranda: | ||
| Average total assets | $355,414,750 | 1,862 |
| Average earning assets | $327,381,000 | 1,845 |
| Average equity | $37,683,250 | 1,766 |
| Average total loans | $152,483,500 | 2,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 7,303 |
| Cost of funding earning assets | 0.9521% | 6,371 |
| Net interest margin | 3.1246% | 6,537 |
| Noninterest income to average assets | 0.7290% | 2,525 |
| Noninterest expense to average assets | 2.5338% | 5,596 |
| Loan and lease loss provision to assets | 0.0287% | 6,660 |
| Net operating income to assets | 0.8043% | 2,953 |
| Return on assets (ROA) | 0.8043% | 3,093 |
| Pretax return on assets | 1.0383% | 2,983 |
| Return on Equity (ROE) | 7.5196% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.5196% | 1,631 |
| Net charge-offs to loans | 0.0438% | 5,768 |
| Credit loss provision to net charge-offs | 151.5152% | 2,592 |
| Earnings coverage of net charge-offs (x) | 56.2424% | 543 |
| Efficiency ratio | 70.3656% | 4,116 |
| Assets per employee ($millions) | 4.0276% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,255 |
| Loan loss allowance to noncurrent loans | 1,168.2051% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 7,257 |
| Noncurrent loans to loans | 0.1230% | 7,024 |
| Net loans and leases to total assets | 43.1085% | 6,978 |
| Net loans and leases to deposits | 48.5669% | 7,136 |
| Net loans and leases to core deposits | 50.5508% | 7,191 |
| Total domestic deposits to total assets | 88.7611% | 1,564 |
| Equity capital to assets | 10.4201% | 3,508 |
| Core capital (leverage) ratio | 9.1226% | 4,425 |
| Tier 1 risk-based capital ratio | 15.8537% | 2,738 |
| Total risk-based capital ratio | 17.0386% | 2,728 |
| Memoranda: | ||
| Average total assets | $347,862,670 | 1,923 |
| Average earning assets | $319,719,670 | 1,898 |
| Average equity | $37,209,330 | 1,788 |
| Average total loans | $150,781,330 | 2,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 7,286 |
| Cost of funding earning assets | 0.9810% | 6,458 |
| Net interest margin | 3.1967% | 6,303 |
| Noninterest income to average assets | 0.6895% | 2,667 |
| Noninterest expense to average assets | 2.6263% | 5,244 |
| Loan and lease loss provision to assets | 0.0294% | 6,383 |
| Net operating income to assets | 0.7576% | 3,172 |
| Return on assets (ROA) | 0.7576% | 3,283 |
| Pretax return on assets | 0.9655% | 3,215 |
| Return on Equity (ROE) | 6.9865% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.9865% | 2,138 |
| Net charge-offs to loans | 0.0899% | 4,516 |
| Credit loss provision to net charge-offs | 75.7576% | 3,981 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 977 |
| Efficiency ratio | 72.5268% | 3,834 |
| Assets per employee ($millions) | 3.7995% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,028 |
| Loan loss allowance to noncurrent loans | 3,518.7500% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 7,448 |
| Noncurrent loans to loans | 0.0420% | 7,306 |
| Net loans and leases to total assets | 43.9161% | 7,000 |
| Net loans and leases to deposits | 49.7768% | 7,134 |
| Net loans and leases to core deposits | 51.7629% | 7,216 |
| Total domestic deposits to total assets | 88.2262% | 1,934 |
| Equity capital to assets | 10.8573% | 2,886 |
| Core capital (leverage) ratio | 8.9626% | 4,631 |
| Tier 1 risk-based capital ratio | 15.9173% | 2,682 |
| Total risk-based capital ratio | 17.1233% | 2,640 |
| Memoranda: | ||
| Average total assets | $340,553,500 | 2,015 |
| Average earning assets | $312,325,500 | 1,999 |
| Average equity | $36,928,500 | 1,824 |
| Average total loans | $146,903,000 | 2,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 6,953 |
| Cost of funding earning assets | 1.3348% | 6,194 |
| Net interest margin | 3.4656% | 5,106 |
| Noninterest income to average assets | 0.7959% | 2,424 |
| Noninterest expense to average assets | 2.5967% | 5,811 |
| Loan and lease loss provision to assets | 0.0601% | 6,960 |
| Net operating income to assets | 0.9736% | 1,931 |
| Return on assets (ROA) | 0.9812% | 1,957 |
| Pretax return on assets | 1.3614% | 1,527 |
| Return on Equity (ROE) | 9.3229% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.1370% | 925 |
| Net charge-offs to loans | -0.0014% | 7,687 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7932% | 5,622 |
| Assets per employee ($millions) | 3.8107% | 4,267 |
| Cash dividends to net income (ytd only)* | 23.4466% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 3,286 |
| Loan loss allowance to noncurrent loans | 2,936.3636% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 7,469 |
| Noncurrent loans to loans | 0.0545% | 7,287 |
| Net loans and leases to total assets | 41.0198% | 7,302 |
| Net loans and leases to deposits | 46.4765% | 7,420 |
| Net loans and leases to core deposits | 58.2465% | 7,333 |
| Total domestic deposits to total assets | 88.2593% | 1,853 |
| Equity capital to assets | 10.8299% | 2,840 |
| Core capital (leverage) ratio | 8.9205% | 4,560 |
| Tier 1 risk-based capital ratio | 16.0912% | 2,477 |
| Total risk-based capital ratio | 17.3412% | 2,413 |
| Memoranda: | ||
| Average total assets | $332,967,000 | 2,038 |
| Average earning assets | $308,576,200 | 2,018 |
| Average equity | $35,042,800 | 1,919 |
| Average total loans | $144,508,800 | 3,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 6,888 |
| Cost of funding earning assets | 1.4092% | 6,194 |
| Net interest margin | 3.4911% | 4,899 |
| Noninterest income to average assets | 0.7314% | 2,816 |
| Noninterest expense to average assets | 2.6435% | 5,551 |
| Loan and lease loss provision to assets | 0.0302% | 7,047 |
| Net operating income to assets | 0.9429% | 2,258 |
| Return on assets (ROA) | 0.9530% | 2,286 |
| Pretax return on assets | 1.3187% | 1,912 |
| Return on Equity (ROE) | 9.1233% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.1233% | 811 |
| Net charge-offs to loans | 0.0257% | 6,522 |
| Credit loss provision to net charge-offs | 267.8571% | 1,581 |
| Earnings coverage of net charge-offs (x) | 118.5076% | 314 |
| Efficiency ratio | 66.4476% | 5,297 |
| Assets per employee ($millions) | 3.8399% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 3,594 |
| Loan loss allowance to noncurrent loans | 2,393.1818% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 7,522 |
| Noncurrent loans to loans | 0.0615% | 7,348 |
| Net loans and leases to total assets | 41.7550% | 7,380 |
| Net loans and leases to deposits | 48.7407% | 7,466 |
| Net loans and leases to core deposits | 62.6097% | 7,300 |
| Total domestic deposits to total assets | 85.6677% | 2,876 |
| Equity capital to assets | 10.8181% | 3,194 |
| Core capital (leverage) ratio | 8.8671% | 4,872 |
| Tier 1 risk-based capital ratio | 16.3541% | 2,492 |
| Total risk-based capital ratio | 17.5439% | 2,453 |
| Memoranda: | ||
| Average total assets | $331,420,500 | 2,064 |
| Average earning assets | $308,245,500 | 2,041 |
| Average equity | $34,621,000 | 1,960 |
| Average total loans | $145,290,750 | 3,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 7,152 |
| Cost of funding earning assets | 1.4877% | 6,189 |
| Net interest margin | 3.3516% | 5,356 |
| Noninterest income to average assets | 0.7380% | 2,773 |
| Noninterest expense to average assets | 2.6551% | 5,540 |
| Loan and lease loss provision to assets | 0.0304% | 6,939 |
| Net operating income to assets | 0.8474% | 2,664 |
| Return on assets (ROA) | 0.8474% | 2,770 |
| Pretax return on assets | 1.1699% | 2,397 |
| Return on Equity (ROE) | 8.2117% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.2117% | 1,148 |
| Net charge-offs to loans | 0.0027% | 6,588 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 988.0000% | 27 |
| Efficiency ratio | 68.8672% | 4,999 |
| Assets per employee ($millions) | 3.5860% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,706 |
| Loan loss allowance to noncurrent loans | 2,421.8391% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 7,555 |
| Noncurrent loans to loans | 0.0579% | 7,390 |
| Net loans and leases to total assets | 44.9071% | 7,270 |
| Net loans and leases to deposits | 50.8696% | 7,443 |
| Net loans and leases to core deposits | 65.5415% | 7,234 |
| Total domestic deposits to total assets | 88.2789% | 1,635 |
| Equity capital to assets | 10.6763% | 3,225 |
| Core capital (leverage) ratio | 8.7708% | 4,978 |
| Tier 1 risk-based capital ratio | 15.4291% | 2,844 |
| Total risk-based capital ratio | 16.5912% | 2,807 |
| Memoranda: | ||
| Average total assets | $329,256,000 | 2,103 |
| Average earning assets | $306,245,000 | 2,078 |
| Average equity | $33,976,000 | 1,999 |
| Average total loans | $145,987,000 | 3,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 6,951 |
| Cost of funding earning assets | 1.5808% | 6,113 |
| Net interest margin | 3.4094% | 5,101 |
| Noninterest income to average assets | 0.7722% | 2,472 |
| Noninterest expense to average assets | 2.6887% | 5,059 |
| Loan and lease loss provision to assets | 0.0304% | 6,550 |
| Net operating income to assets | 0.8792% | 2,798 |
| Return on assets (ROA) | 0.8792% | 2,941 |
| Pretax return on assets | 1.2136% | 2,576 |
| Return on Equity (ROE) | 8.6709% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.6709% | 1,574 |
| Net charge-offs to loans | -0.0028% | 7,127 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3673% | 4,899 |
| Assets per employee ($millions) | 3.5345% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,425 |
| Loan loss allowance to noncurrent loans | 6,722.5806% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,614 |
| Noncurrent loans to loans | 0.0210% | 7,494 |
| Net loans and leases to total assets | 44.2087% | 7,320 |
| Net loans and leases to deposits | 49.8718% | 7,501 |
| Net loans and leases to core deposits | 63.9670% | 7,318 |
| Total domestic deposits to total assets | 88.6447% | 1,401 |
| Equity capital to assets | 10.3717% | 3,589 |
| Core capital (leverage) ratio | 8.5297% | 5,473 |
| Tier 1 risk-based capital ratio | 15.4281% | 2,883 |
| Total risk-based capital ratio | 16.6057% | 2,851 |
| Memoranda: | ||
| Average total assets | $328,930,000 | 2,121 |
| Average earning assets | $304,917,500 | 2,093 |
| Average equity | $33,353,000 | 2,033 |
| Average total loans | $143,851,000 | 3,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 6,639 |
| Cost of funding earning assets | 2.1342% | 5,908 |
| Net interest margin | 3.6060% | 4,861 |
| Noninterest income to average assets | 0.9122% | 1,913 |
| Noninterest expense to average assets | 2.6760% | 5,356 |
| Loan and lease loss provision to assets | 0.0655% | 6,568 |
| Net operating income to assets | 1.0388% | 2,407 |
| Return on assets (ROA) | 1.0477% | 2,258 |
| Pretax return on assets | 1.4894% | 1,713 |
| Return on Equity (ROE) | 10.0357% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.4322% | 1,353 |
| Net charge-offs to loans | -0.0095% | 7,847 |
| Credit loss provision to net charge-offs | -1,538.4615% | 7,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2151% | 5,733 |
| Assets per employee ($millions) | 3.4647% | 4,767 |
| Cash dividends to net income (ytd only)* | 35.9063% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 2,843 |
| Loan loss allowance to noncurrent loans | 1,169.8864% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 7,366 |
| Noncurrent loans to loans | 0.1254% | 7,037 |
| Net loans and leases to total assets | 41.9992% | 7,589 |
| Net loans and leases to deposits | 47.0268% | 7,751 |
| Net loans and leases to core deposits | 59.7658% | 7,593 |
| Total domestic deposits to total assets | 89.3091% | 917 |
| Equity capital to assets | 9.9083% | 4,150 |
| Core capital (leverage) ratio | 8.5852% | 5,413 |
| Tier 1 risk-based capital ratio | 18.3295% | 1,953 |
| Total risk-based capital ratio | 19.5880% | 1,899 |
| Memoranda: | ||
| Average total assets | $305,420,200 | 2,176 |
| Average earning assets | $280,007,800 | 2,170 |
| Average equity | $31,886,200 | 2,120 |
| Average total loans | $136,873,200 | 3,145 |