Home > First National Banker's Bank > Performance and Condition Ratios
First National Banker's Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 901 |
| Cost of funding earning assets | 2.4821% | 376 |
| Net interest margin | 3.2461% | 2,757 |
| Noninterest income to average assets | 1.7800% | 310 |
| Noninterest expense to average assets | 4.0637% | 349 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.3430% | 3,968 |
| Return on assets (ROA) | 0.3430% | 3,965 |
| Pretax return on assets | 0.4814% | 3,846 |
| Return on Equity (ROE) | 2.2000% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.2662% | 3,989 |
| Net charge-offs to loans | 0.0799% | 1,063 |
| Credit loss provision to net charge-offs | 430.1158% | 744 |
| Earnings coverage of net charge-offs (x) | 12.3301% | 2,151 |
| Efficiency ratio | 86.0287% | 561 |
| Assets per employee ($millions) | 8.2208% | 1,322 |
| Cash dividends to net income (ytd only)* | 87.8879% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 263 |
| Loan loss allowance to noncurrent loans | 2,017.4721% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 2,805 |
| Noncurrent loans to loans | 0.1114% | 2,971 |
| Net loans and leases to total assets | 67.8000% | 2,063 |
| Net loans and leases to deposits | 213.3671% | 7 |
| Net loans and leases to core deposits | 213.3671% | 70 |
| Total domestic deposits to total assets | 31.7800% | 4,490 |
| Equity capital to assets | 14.5754% | 595 |
| Core capital (leverage) ratio | 16.3300% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $967,778,200 | 1,013 |
| Average earning assets | $876,680,200 | 1,025 |
| Average equity | $151,022,000 | 668 |
| Average total loans | $648,314,000 | 1,030 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6611% | 839 |
| Cost of funding earning assets | 2.4080% | 332 |
| Net interest margin | 3.2531% | 2,797 |
| Noninterest income to average assets | 1.7500% | 339 |
| Noninterest expense to average assets | 4.0592% | 347 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.3109% | 4,105 |
| Return on assets (ROA) | 0.3109% | 4,109 |
| Pretax return on assets | 0.4194% | 4,034 |
| Return on Equity (ROE) | 1.9600% | 4,200 |
| Retained earnings to average equity (ytd only) | -0.0124% | 4,145 |
| Net charge-offs to loans | 0.1104% | 722 |
| Credit loss provision to net charge-offs | 351.2476% | 789 |
| Earnings coverage of net charge-offs (x) | 8.7294% | 2,182 |
| Efficiency ratio | 86.3959% | 496 |
| Assets per employee ($millions) | 7.5660% | 1,590 |
| Cash dividends to net income (ytd only)* | 100.6329% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3070% | 254 |
| Loan loss allowance to noncurrent loans | 1,610.5477% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,653 |
| Noncurrent loans to loans | 0.1432% | 2,833 |
| Net loans and leases to total assets | 68.9000% | 1,955 |
| Net loans and leases to deposits | 180.3841% | 7 |
| Net loans and leases to core deposits | 180.3841% | 56 |
| Total domestic deposits to total assets | 38.2000% | 4,517 |
| Equity capital to assets | 15.1252% | 524 |
| Core capital (leverage) ratio | 16.8054% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $948,711,750 | 1,037 |
| Average earning assets | $858,733,500 | 1,044 |
| Average equity | $150,734,000 | 670 |
| Average total loans | $629,346,500 | 1,046 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 785 |
| Cost of funding earning assets | 2.3005% | 280 |
| Net interest margin | 3.2437% | 2,878 |
| Noninterest income to average assets | 1.7600% | 278 |
| Noninterest expense to average assets | 4.1181% | 320 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.2746% | 4,197 |
| Return on assets (ROA) | 0.2746% | 4,225 |
| Pretax return on assets | 0.3799% | 4,145 |
| Return on Equity (ROE) | 1.7000% | 4,302 |
| Retained earnings to average equity (ytd only) | 0.7986% | 3,942 |
| Net charge-offs to loans | 0.1719% | 458 |
| Credit loss provision to net charge-offs | 177.2901% | 1,097 |
| Earnings coverage of net charge-offs (x) | 5.1508% | 2,187 |
| Efficiency ratio | 87.7574% | 433 |
| Assets per employee ($millions) | 7.3443% | 1,703 |
| Cash dividends to net income (ytd only)* | 53.0233% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 230 |
| Loan loss allowance to noncurrent loans | 1,448.3559% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 2,539 |
| Noncurrent loans to loans | 0.1700% | 2,625 |
| Net loans and leases to total assets | 62.1500% | 2,563 |
| Net loans and leases to deposits | 192.0798% | 8 |
| Net loans and leases to core deposits | 192.0798% | 50 |
| Total domestic deposits to total assets | 32.3500% | 4,547 |
| Equity capital to assets | 15.8582% | 459 |
| Core capital (leverage) ratio | 17.0529% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $939,612,667 | 1,031 |
| Average earning assets | $850,685,000 | 1,053 |
| Average equity | $151,771,000 | 663 |
| Average total loans | $609,684,667 | 1,068 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 709 |
| Cost of funding earning assets | 2.0793% | 248 |
| Net interest margin | 3.3244% | 2,817 |
| Noninterest income to average assets | 1.9200% | 242 |
| Noninterest expense to average assets | 4.2187% | 317 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4759% | 3,956 |
| Return on assets (ROA) | 0.4759% | 3,909 |
| Pretax return on assets | 0.6231% | 3,804 |
| Return on Equity (ROE) | 2.9200% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.8877% | 3,530 |
| Net charge-offs to loans | -0.0085% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.7392% | 520 |
| Assets per employee ($millions) | 6.5778% | 2,283 |
| Cash dividends to net income (ytd only)* | 1.0821% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3958% | 246 |
| Loan loss allowance to noncurrent loans | 752.6477% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,014 |
| Noncurrent loans to loans | 0.3183% | 2,002 |
| Net loans and leases to total assets | 68.3200% | 1,800 |
| Net loans and leases to deposits | 175.8547% | 9 |
| Net loans and leases to core deposits | 175.8547% | 57 |
| Total domestic deposits to total assets | 38.8500% | 4,594 |
| Equity capital to assets | 17.2905% | 334 |
| Core capital (leverage) ratio | 17.0285% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $932,040,500 | 1,059 |
| Average earning assets | $842,381,000 | 1,078 |
| Average equity | $151,953,000 | 673 |
| Average total loans | $610,365,000 | 1,079 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 3,113 |
| Cost of funding earning assets | 0.6892% | 610 |
| Net interest margin | 2.7976% | 3,901 |
| Noninterest income to average assets | 2.2400% | 213 |
| Noninterest expense to average assets | 4.3063% | 273 |
| Loan and lease loss provision to assets | -0.3500% | 4,679 |
| Net operating income to assets | 0.6447% | 3,771 |
| Return on assets (ROA) | 0.6308% | 3,757 |
| Pretax return on assets | 0.8184% | 3,578 |
| Return on Equity (ROE) | 4.0600% | 4,154 |
| Retained earnings to average equity (ytd only) | 1.7143% | 4,039 |
| Net charge-offs to loans | -0.4355% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.7833% | 308 |
| Assets per employee ($millions) | 7.6175% | 1,533 |
| Cash dividends to net income (ytd only)* | 57.8055% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6861% | 175 |
| Loan loss allowance to noncurrent loans | 549.7288% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,657 |
| Noncurrent loans to loans | 0.4886% | 1,479 |
| Net loans and leases to total assets | 59.7900% | 2,649 |
| Net loans and leases to deposits | 150.5739% | 16 |
| Net loans and leases to core deposits | 150.5739% | 94 |
| Total domestic deposits to total assets | 39.7100% | 4,624 |
| Equity capital to assets | 15.4178% | 438 |
| Core capital (leverage) ratio | 17.1615% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $991,183,000 | 988 |
| Average earning assets | $905,976,200 | 991 |
| Average equity | $153,884,400 | 666 |
| Average total loans | $526,569,800 | 1,136 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 3,750 |
| Cost of funding earning assets | 0.4043% | 1,254 |
| Net interest margin | 2.6614% | 4,003 |
| Noninterest income to average assets | 2.4900% | 211 |
| Noninterest expense to average assets | 4.3918% | 268 |
| Loan and lease loss provision to assets | -0.3700% | 4,721 |
| Net operating income to assets | 0.6924% | 3,585 |
| Return on assets (ROA) | 0.6738% | 3,597 |
| Pretax return on assets | 0.8760% | 3,394 |
| Return on Equity (ROE) | 4.3300% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.8237% | 4,064 |
| Net charge-offs to loans | -0.2381% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.1574% | 350 |
| Assets per employee ($millions) | 6.5847% | 2,249 |
| Cash dividends to net income (ytd only)* | 57.9084% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7678% | 166 |
| Loan loss allowance to noncurrent loans | 164.3537% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 403 |
| Noncurrent loans to loans | 1.6840% | 389 |
| Net loans and leases to total assets | 62.8000% | 2,212 |
| Net loans and leases to deposits | 123.8784% | 41 |
| Net loans and leases to core deposits | 123.8784% | 194 |
| Total domestic deposits to total assets | 50.7000% | 4,650 |
| Equity capital to assets | 17.0596% | 319 |
| Core capital (leverage) ratio | 17.0131% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $993,315,500 | 993 |
| Average earning assets | $908,884,500 | 994 |
| Average equity | $154,479,750 | 673 |
| Average total loans | $507,275,750 | 1,163 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6058% | 4,270 |
| Cost of funding earning assets | 0.1964% | 2,963 |
| Net interest margin | 2.4093% | 4,216 |
| Noninterest income to average assets | 2.5687% | 177 |
| Noninterest expense to average assets | 4.2880% | 237 |
| Loan and lease loss provision to assets | -0.3866% | 4,740 |
| Net operating income to assets | 0.6859% | 3,355 |
| Return on assets (ROA) | 0.6591% | 3,394 |
| Pretax return on assets | 0.8501% | 3,203 |
| Return on Equity (ROE) | 4.3565% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.9170% | 3,113 |
| Net charge-offs to loans | -0.0503% | 4,239 |
| Credit loss provision to net charge-offs | 1,626.0163% | 282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6070% | 426 |
| Assets per employee ($millions) | 7.5175% | 1,599 |
| Cash dividends to net income (ytd only)* | 10.0880% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0883% | 138 |
| Loan loss allowance to noncurrent loans | 136.9646% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 396 |
| Noncurrent loans to loans | 2.2548% | 276 |
| Net loans and leases to total assets | 48.2127% | 3,534 |
| Net loans and leases to deposits | 102.7271% | 193 |
| Net loans and leases to core deposits | 102.7271% | 561 |
| Total domestic deposits to total assets | 46.9328% | 4,726 |
| Equity capital to assets | 15.3179% | 380 |
| Core capital (leverage) ratio | 15.1105% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,034,693,333 | 947 |
| Average earning assets | $951,967,000 | 956 |
| Average equity | $156,546,667 | 675 |
| Average total loans | $489,237,000 | 1,191 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3073% | 4,452 |
| Cost of funding earning assets | 0.0725% | 4,424 |
| Net interest margin | 2.2348% | 4,308 |
| Noninterest income to average assets | 2.8776% | 166 |
| Noninterest expense to average assets | 4.4328% | 212 |
| Loan and lease loss provision to assets | -0.7631% | 4,777 |
| Net operating income to assets | 0.9685% | 2,001 |
| Return on assets (ROA) | 0.9157% | 2,220 |
| Pretax return on assets | 1.2007% | 1,817 |
| Return on Equity (ROE) | 6.0888% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.0888% | 2,221 |
| Net charge-offs to loans | -0.0919% | 4,434 |
| Credit loss provision to net charge-offs | 1,801.8018% | 229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7836% | 558 |
| Assets per employee ($millions) | 7.8836% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2048% | 131 |
| Loan loss allowance to noncurrent loans | 182.8663% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 692 |
| Noncurrent loans to loans | 1.7525% | 444 |
| Net loans and leases to total assets | 44.2162% | 3,723 |
| Net loans and leases to deposits | 99.8534% | 180 |
| Net loans and leases to core deposits | 99.8534% | 518 |
| Total domestic deposits to total assets | 44.2811% | 4,757 |
| Equity capital to assets | 14.8852% | 408 |
| Core capital (leverage) ratio | 13.7439% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,048,365,500 | 944 |
| Average earning assets | $966,168,000 | 948 |
| Average equity | $157,667,500 | 686 |
| Average total loans | $483,282,000 | 1,190 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4466% | 4,518 |
| Cost of funding earning assets | 0.0544% | 4,668 |
| Net interest margin | 2.3922% | 4,332 |
| Noninterest income to average assets | 3.7695% | 147 |
| Noninterest expense to average assets | 4.9359% | 183 |
| Loan and lease loss provision to assets | 0.0952% | 1,312 |
| Net operating income to assets | 0.7242% | 3,556 |
| Return on assets (ROA) | 0.7242% | 3,620 |
| Pretax return on assets | 0.9486% | 3,381 |
| Return on Equity (ROE) | 4.8816% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.6800% | 3,351 |
| Net charge-offs to loans | 0.3441% | 246 |
| Credit loss provision to net charge-offs | 55.7724% | 2,095 |
| Earnings coverage of net charge-offs (x) | 6.1138% | 2,415 |
| Efficiency ratio | 82.5435% | 643 |
| Assets per employee ($millions) | 7.8813% | 1,396 |
| Cash dividends to net income (ytd only)* | 24.6154% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5855% | 94 |
| Loan loss allowance to noncurrent loans | 203.0420% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 722 |
| Noncurrent loans to loans | 1.7659% | 485 |
| Net loans and leases to total assets | 44.8555% | 3,777 |
| Net loans and leases to deposits | 85.8291% | 793 |
| Net loans and leases to core deposits | 85.8291% | 1,217 |
| Total domestic deposits to total assets | 52.2613% | 4,789 |
| Equity capital to assets | 15.1959% | 467 |
| Core capital (leverage) ratio | 12.6170% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,050,133,000 | 927 |
| Average earning assets | $970,286,000 | 929 |
| Average equity | $155,789,200 | 691 |
| Average total loans | $521,004,000 | 1,129 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4492% | 4,608 |
| Cost of funding earning assets | 0.0504% | 4,776 |
| Net interest margin | 2.3987% | 4,396 |
| Noninterest income to average assets | 3.9404% | 145 |
| Noninterest expense to average assets | 4.9976% | 175 |
| Loan and lease loss provision to assets | 0.1076% | 1,122 |
| Net operating income to assets | 0.8069% | 3,513 |
| Return on assets (ROA) | 0.8069% | 3,584 |
| Pretax return on assets | 1.0522% | 3,316 |
| Return on Equity (ROE) | 5.4719% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.1138% | 3,541 |
| Net charge-offs to loans | -0.1506% | 4,726 |
| Credit loss provision to net charge-offs | -141.9032% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1627% | 690 |
| Assets per employee ($millions) | 8.6099% | 1,006 |
| Cash dividends to net income (ytd only)* | 24.8195% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7093% | 84 |
| Loan loss allowance to noncurrent loans | 211.6091% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 862 |
| Noncurrent loans to loans | 1.7529% | 563 |
| Net loans and leases to total assets | 45.0991% | 3,862 |
| Net loans and leases to deposits | 100.1828% | 225 |
| Net loans and leases to core deposits | 100.1828% | 578 |
| Total domestic deposits to total assets | 45.0168% | 4,872 |
| Equity capital to assets | 13.9422% | 749 |
| Core capital (leverage) ratio | 13.3167% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,052,582,500 | 936 |
| Average earning assets | $972,876,250 | 938 |
| Average equity | $155,214,500 | 703 |
| Average total loans | $530,254,750 | 1,137 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5026% | 4,614 |
| Cost of funding earning assets | 0.0477% | 4,836 |
| Net interest margin | 2.4549% | 4,361 |
| Noninterest income to average assets | 4.0003% | 139 |
| Noninterest expense to average assets | 5.1152% | 171 |
| Loan and lease loss provision to assets | 0.1363% | 900 |
| Net operating income to assets | 0.7821% | 3,559 |
| Return on assets (ROA) | 0.7821% | 3,626 |
| Pretax return on assets | 1.0116% | 3,420 |
| Return on Equity (ROE) | 5.2001% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.8442% | 3,247 |
| Net charge-offs to loans | -0.2249% | 4,809 |
| Credit loss provision to net charge-offs | -117.2529% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6727% | 693 |
| Assets per employee ($millions) | 7.9187% | 1,252 |
| Cash dividends to net income (ytd only)* | 6.8442% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6918% | 83 |
| Loan loss allowance to noncurrent loans | 188.8770% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 753 |
| Noncurrent loans to loans | 1.9546% | 507 |
| Net loans and leases to total assets | 49.2703% | 3,628 |
| Net loans and leases to deposits | 100.6777% | 237 |
| Net loans and leases to core deposits | 100.6777% | 642 |
| Total domestic deposits to total assets | 48.9386% | 4,898 |
| Equity capital to assets | 15.1778% | 502 |
| Core capital (leverage) ratio | 14.0398% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,027,476,667 | 946 |
| Average earning assets | $947,078,333 | 948 |
| Average equity | $154,534,667 | 699 |
| Average total loans | $530,917,000 | 1,138 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 4,595 |
| Cost of funding earning assets | 0.0494% | 4,869 |
| Net interest margin | 2.5208% | 4,264 |
| Noninterest income to average assets | 4.1107% | 143 |
| Noninterest expense to average assets | 5.1741% | 163 |
| Loan and lease loss provision to assets | 0.1948% | 628 |
| Net operating income to assets | 0.8094% | 3,390 |
| Return on assets (ROA) | 0.8094% | 3,466 |
| Pretax return on assets | 1.0673% | 3,198 |
| Return on Equity (ROE) | 5.4061% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.4061% | 3,092 |
| Net charge-offs to loans | -0.3557% | 4,870 |
| Credit loss provision to net charge-offs | -105.4852% | 2,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3899% | 799 |
| Assets per employee ($millions) | 7.7529% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5882% | 91 |
| Loan loss allowance to noncurrent loans | 173.9380% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 722 |
| Noncurrent loans to loans | 2.0629% | 517 |
| Net loans and leases to total assets | 50.2024% | 3,605 |
| Net loans and leases to deposits | 115.6516% | 95 |
| Net loans and leases to core deposits | 115.6516% | 292 |
| Total domestic deposits to total assets | 43.4083% | 4,932 |
| Equity capital to assets | 15.1088% | 480 |
| Core capital (leverage) ratio | 14.3643% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,026,499,000 | 937 |
| Average earning assets | $946,995,500 | 937 |
| Average equity | $153,679,500 | 697 |
| Average total loans | $533,052,000 | 1,140 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 4,434 |
| Cost of funding earning assets | 0.1787% | 4,649 |
| Net interest margin | 3.0385% | 3,794 |
| Noninterest income to average assets | 3.9908% | 138 |
| Noninterest expense to average assets | 5.3118% | 168 |
| Loan and lease loss provision to assets | 0.8725% | 135 |
| Net operating income to assets | 0.4537% | 4,130 |
| Return on assets (ROA) | 0.4537% | 4,210 |
| Pretax return on assets | 0.5972% | 4,088 |
| Return on Equity (ROE) | 2.7347% | 4,439 |
| Retained earnings to average equity (ytd only) | 1.2017% | 4,146 |
| Net charge-offs to loans | 0.7889% | 183 |
| Credit loss provision to net charge-offs | 178.9709% | 2,272 |
| Earnings coverage of net charge-offs (x) | 3.0148% | 3,120 |
| Efficiency ratio | 78.3285% | 1,011 |
| Assets per employee ($millions) | 7.6836% | 1,173 |
| Cash dividends to net income (ytd only)* | 56.0577% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4031% | 103 |
| Loan loss allowance to noncurrent loans | 178.0591% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 934 |
| Noncurrent loans to loans | 1.9112% | 623 |
| Net loans and leases to total assets | 50.0259% | 3,822 |
| Net loans and leases to deposits | 112.0860% | 139 |
| Net loans and leases to core deposits | 112.0860% | 454 |
| Total domestic deposits to total assets | 44.6317% | 4,956 |
| Equity capital to assets | 14.8345% | 598 |
| Core capital (leverage) ratio | 14.5041% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $916,951,200 | 954 |
| Average earning assets | $842,156,600 | 961 |
| Average equity | $152,121,000 | 667 |
| Average total loans | $566,611,000 | 1,033 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 4,339 |
| Cost of funding earning assets | 0.2267% | 4,585 |
| Net interest margin | 3.1790% | 3,546 |
| Noninterest income to average assets | 4.0382% | 129 |
| Noninterest expense to average assets | 5.5485% | 150 |
| Loan and lease loss provision to assets | 0.6788% | 327 |
| Net operating income to assets | 0.5456% | 3,917 |
| Return on assets (ROA) | 0.5456% | 4,011 |
| Pretax return on assets | 0.7270% | 3,840 |
| Return on Equity (ROE) | 3.1910% | 4,351 |
| Retained earnings to average equity (ytd only) | 1.3950% | 4,117 |
| Net charge-offs to loans | 0.1034% | 1,281 |
| Credit loss provision to net charge-offs | 1,014.5740% | 816 |
| Earnings coverage of net charge-offs (x) | 21.0112% | 1,880 |
| Efficiency ratio | 79.7856% | 880 |
| Assets per employee ($millions) | 6.5401% | 1,799 |
| Cash dividends to net income (ytd only)* | 56.2827% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2003% | 115 |
| Loan loss allowance to noncurrent loans | 108.2315% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 332 |
| Noncurrent loans to loans | 2.9569% | 316 |
| Net loans and leases to total assets | 64.5320% | 2,700 |
| Net loans and leases to deposits | 148.4256% | 27 |
| Net loans and leases to core deposits | 148.4256% | 124 |
| Total domestic deposits to total assets | 43.4777% | 4,989 |
| Equity capital to assets | 17.4058% | 342 |
| Core capital (leverage) ratio | 15.3018% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $888,786,750 | 963 |
| Average earning assets | $815,291,000 | 976 |
| Average equity | $151,967,000 | 655 |
| Average total loans | $574,959,500 | 1,009 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 4,422 |
| Cost of funding earning assets | 0.3090% | 4,448 |
| Net interest margin | 3.1808% | 3,719 |
| Noninterest income to average assets | 3.9170% | 125 |
| Noninterest expense to average assets | 5.4432% | 160 |
| Loan and lease loss provision to assets | 0.6887% | 410 |
| Net operating income to assets | 0.5217% | 3,950 |
| Return on assets (ROA) | 0.5217% | 4,040 |
| Pretax return on assets | 0.7017% | 3,865 |
| Return on Equity (ROE) | 3.0690% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.6934% | 3,506 |
| Net charge-offs to loans | -0.0203% | 4,410 |
| Credit loss provision to net charge-offs | -5,301.7241% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6526% | 918 |
| Assets per employee ($millions) | 7.1582% | 1,358 |
| Cash dividends to net income (ytd only)* | 12.2370% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0384% | 132 |
| Loan loss allowance to noncurrent loans | 99.8369% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 415 |
| Noncurrent loans to loans | 3.0433% | 312 |
| Net loans and leases to total assets | 58.6165% | 3,459 |
| Net loans and leases to deposits | 137.1234% | 40 |
| Net loans and leases to core deposits | 137.1234% | 192 |
| Total domestic deposits to total assets | 42.7473% | 5,020 |
| Equity capital to assets | 15.8322% | 486 |
| Core capital (leverage) ratio | 14.7263% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $892,926,667 | 947 |
| Average earning assets | $818,791,667 | 952 |
| Average equity | $151,776,333 | 655 |
| Average total loans | $571,868,000 | 1,003 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,921 |
| Cost of funding earning assets | 0.5834% | 3,515 |
| Net interest margin | 3.3681% | 3,405 |
| Noninterest income to average assets | 4.4008% | 101 |
| Noninterest expense to average assets | 5.8957% | 154 |
| Loan and lease loss provision to assets | 0.7825% | 312 |
| Net operating income to assets | 0.5784% | 3,665 |
| Return on assets (ROA) | 0.5784% | 3,724 |
| Pretax return on assets | 0.7970% | 3,422 |
| Return on Equity (ROE) | 3.2759% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.2759% | 2,969 |
| Net charge-offs to loans | -0.0078% | 3,989 |
| Credit loss provision to net charge-offs | -15,227.2727% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8701% | 1,252 |
| Assets per employee ($millions) | 6.1662% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8965% | 166 |
| Loan loss allowance to noncurrent loans | 113.5069% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 599 |
| Noncurrent loans to loans | 2.5518% | 462 |
| Net loans and leases to total assets | 62.4205% | 3,250 |
| Net loans and leases to deposits | 138.2855% | 21 |
| Net loans and leases to core deposits | 138.2855% | 182 |
| Total domestic deposits to total assets | 45.1389% | 5,074 |
| Equity capital to assets | 17.3676% | 401 |
| Core capital (leverage) ratio | 15.2750% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $856,210,500 | 952 |
| Average earning assets | $781,578,000 | 959 |
| Average equity | $151,166,500 | 655 |
| Average total loans | $565,704,000 | 986 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 3,200 |
| Cost of funding earning assets | 0.9614% | 1,898 |
| Net interest margin | 3.4563% | 3,572 |
| Noninterest income to average assets | 2.6826% | 179 |
| Noninterest expense to average assets | 4.7185% | 257 |
| Loan and lease loss provision to assets | 0.1473% | 1,454 |
| Net operating income to assets | 0.7400% | 3,732 |
| Return on assets (ROA) | 0.7400% | 3,804 |
| Pretax return on assets | 0.9811% | 3,510 |
| Return on Equity (ROE) | 4.4067% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.4166% | 3,817 |
| Net charge-offs to loans | -0.0715% | 4,893 |
| Credit loss provision to net charge-offs | -300.9259% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7009% | 883 |
| Assets per employee ($millions) | 6.1987% | 1,484 |
| Cash dividends to net income (ytd only)* | 45.1608% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5709% | 200 |
| Loan loss allowance to noncurrent loans | 107.0215% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 567 |
| Noncurrent loans to loans | 2.4022% | 471 |
| Net loans and leases to total assets | 66.1950% | 2,925 |
| Net loans and leases to deposits | 137.1789% | 26 |
| Net loans and leases to core deposits | 137.3660% | 194 |
| Total domestic deposits to total assets | 48.2545% | 5,131 |
| Equity capital to assets | 17.9563% | 370 |
| Core capital (leverage) ratio | 15.3849% | 610 |
| Tier 1 risk-based capital ratio | 20.6113% | 1,236 |
| Total risk-based capital ratio | 21.8718% | 1,200 |
| Memoranda: | ||
| Average total assets | $882,404,600 | 892 |
| Average earning assets | $807,858,000 | 899 |
| Average equity | $148,182,000 | 630 |
| Average total loans | $603,841,000 | 904 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 3,383 |
| Cost of funding earning assets | 1.0193% | 1,682 |
| Net interest margin | 3.3728% | 3,935 |
| Noninterest income to average assets | 2.4943% | 202 |
| Noninterest expense to average assets | 4.4586% | 311 |
| Loan and lease loss provision to assets | 0.0597% | 2,701 |
| Net operating income to assets | 0.8084% | 3,654 |
| Return on assets (ROA) | 0.8084% | 3,730 |
| Pretax return on assets | 1.0714% | 3,371 |
| Return on Equity (ROE) | 4.8930% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.6131% | 4,043 |
| Net charge-offs to loans | -0.0805% | 4,953 |
| Credit loss provision to net charge-offs | -108.1081% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7657% | 940 |
| Assets per employee ($millions) | 6.4213% | 1,316 |
| Cash dividends to net income (ytd only)* | 46.5953% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 257 |
| Loan loss allowance to noncurrent loans | 97.3829% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 669 |
| Noncurrent loans to loans | 2.4461% | 484 |
| Net loans and leases to total assets | 61.8100% | 3,511 |
| Net loans and leases to deposits | 128.4559% | 48 |
| Net loans and leases to core deposits | 128.6183% | 317 |
| Total domestic deposits to total assets | 48.1177% | 5,208 |
| Equity capital to assets | 16.5259% | 555 |
| Core capital (leverage) ratio | 15.6507% | 616 |
| Tier 1 risk-based capital ratio | 20.3268% | 1,314 |
| Total risk-based capital ratio | 21.5852% | 1,278 |
| Memoranda: | ||
| Average total assets | $893,800,500 | 881 |
| Average earning assets | $820,278,250 | 882 |
| Average equity | $147,662,000 | 632 |
| Average total loans | $612,663,500 | 900 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 3,226 |
| Cost of funding earning assets | 1.0565% | 1,466 |
| Net interest margin | 3.3787% | 3,960 |
| Noninterest income to average assets | 2.0482% | 257 |
| Noninterest expense to average assets | 4.2581% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6738% | 4,090 |
| Return on assets (ROA) | 0.6738% | 4,140 |
| Pretax return on assets | 0.8900% | 3,872 |
| Return on Equity (ROE) | 4.0787% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.0543% | 4,094 |
| Net charge-offs to loans | -0.0949% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7127% | 754 |
| Assets per employee ($millions) | 6.5280% | 1,224 |
| Cash dividends to net income (ytd only)* | 49.6331% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 361 |
| Loan loss allowance to noncurrent loans | 139.9024% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 1,254 |
| Noncurrent loans to loans | 1.5344% | 1,002 |
| Net loans and leases to total assets | 67.6859% | 2,861 |
| Net loans and leases to deposits | 146.4537% | 19 |
| Net loans and leases to core deposits | 146.6503% | 147 |
| Total domestic deposits to total assets | 46.2166% | 5,257 |
| Equity capital to assets | 16.6936% | 507 |
| Core capital (leverage) ratio | 15.9350% | 554 |
| Tier 1 risk-based capital ratio | 19.1883% | 1,515 |
| Total risk-based capital ratio | 20.4448% | 1,474 |
| Memoranda: | ||
| Average total assets | $889,932,330 | 884 |
| Average earning assets | $816,470,000 | 882 |
| Average equity | $147,007,330 | 629 |
| Average total loans | $625,789,000 | 883 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 3,138 |
| Cost of funding earning assets | 1.0611% | 1,333 |
| Net interest margin | 3.3622% | 4,001 |
| Noninterest income to average assets | 1.9214% | 261 |
| Noninterest expense to average assets | 4.1167% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6810% | 3,997 |
| Return on assets (ROA) | 0.6810% | 4,036 |
| Pretax return on assets | 0.8902% | 3,797 |
| Return on Equity (ROE) | 4.1446% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.4125% | 4,218 |
| Net charge-offs to loans | -0.1564% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2200% | 852 |
| Assets per employee ($millions) | 6.0950% | 1,473 |
| Cash dividends to net income (ytd only)* | 65.9196% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 455 |
| Loan loss allowance to noncurrent loans | 131.6988% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1130% | 1,241 |
| Noncurrent loans to loans | 1.5573% | 1,028 |
| Net loans and leases to total assets | 70.0048% | 2,477 |
| Net loans and leases to deposits | 163.6439% | 10 |
| Net loans and leases to core deposits | 163.8791% | 79 |
| Total domestic deposits to total assets | 42.7787% | 5,322 |
| Equity capital to assets | 16.3924% | 516 |
| Core capital (leverage) ratio | 15.8345% | 557 |
| Tier 1 risk-based capital ratio | 18.5392% | 1,649 |
| Total risk-based capital ratio | 19.7951% | 1,607 |
| Memoranda: | ||
| Average total assets | $890,995,000 | 880 |
| Average earning assets | $817,680,000 | 880 |
| Average equity | $146,407,500 | 629 |
| Average total loans | $631,632,000 | 879 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,402 |
| Cost of funding earning assets | 0.8909% | 1,131 |
| Net interest margin | 3.3225% | 4,200 |
| Noninterest income to average assets | 1.7347% | 326 |
| Noninterest expense to average assets | 4.1573% | 428 |
| Loan and lease loss provision to assets | 0.0337% | 3,518 |
| Net operating income to assets | 0.4419% | 4,783 |
| Return on assets (ROA) | 0.4419% | 4,778 |
| Pretax return on assets | 0.5774% | 4,665 |
| Return on Equity (ROE) | 2.7632% | 4,945 |
| Retained earnings to average equity (ytd only) | 1.2898% | 4,619 |
| Net charge-offs to loans | 0.1743% | 1,108 |
| Credit loss provision to net charge-offs | 28.1625% | 3,357 |
| Earnings coverage of net charge-offs (x) | 5.1127% | 3,220 |
| Efficiency ratio | 87.1855% | 465 |
| Assets per employee ($millions) | 5.4358% | 2,020 |
| Cash dividends to net income (ytd only)* | 53.3217% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 423 |
| Loan loss allowance to noncurrent loans | 132.3439% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 1,223 |
| Noncurrent loans to loans | 1.5630% | 949 |
| Net loans and leases to total assets | 68.8500% | 2,756 |
| Net loans and leases to deposits | 168.6601% | 10 |
| Net loans and leases to core deposits | 168.9169% | 69 |
| Total domestic deposits to total assets | 40.8217% | 5,366 |
| Equity capital to assets | 16.4718% | 469 |
| Core capital (leverage) ratio | 15.7707% | 556 |
| Tier 1 risk-based capital ratio | 18.1261% | 1,723 |
| Total risk-based capital ratio | 19.3814% | 1,674 |
| Memoranda: | ||
| Average total assets | $906,161,200 | 839 |
| Average earning assets | $827,386,400 | 848 |
| Average equity | $144,902,000 | 598 |
| Average total loans | $621,514,600 | 866 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,579 |
| Cost of funding earning assets | 0.8401% | 1,152 |
| Net interest margin | 3.2761% | 4,346 |
| Noninterest income to average assets | 1.7338% | 345 |
| Noninterest expense to average assets | 4.1727% | 410 |
| Loan and lease loss provision to assets | 0.0446% | 3,099 |
| Net operating income to assets | 0.3840% | 4,982 |
| Return on assets (ROA) | 0.3840% | 4,982 |
| Pretax return on assets | 0.5060% | 4,900 |
| Return on Equity (ROE) | 2.4188% | 5,079 |
| Retained earnings to average equity (ytd only) | 1.0333% | 4,848 |
| Net charge-offs to loans | 0.2483% | 683 |
| Credit loss provision to net charge-offs | 26.3613% | 2,987 |
| Earnings coverage of net charge-offs (x) | 3.2524% | 3,179 |
| Efficiency ratio | 88.3426% | 390 |
| Assets per employee ($millions) | 5.2430% | 2,175 |
| Cash dividends to net income (ytd only)* | 57.2790% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0018% | 484 |
| Loan loss allowance to noncurrent loans | 154.8344% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 1,598 |
| Noncurrent loans to loans | 1.2928% | 1,296 |
| Net loans and leases to total assets | 69.9548% | 2,654 |
| Net loans and leases to deposits | 178.9426% | 8 |
| Net loans and leases to core deposits | 179.2239% | 51 |
| Total domestic deposits to total assets | 39.0934% | 5,440 |
| Equity capital to assets | 16.1489% | 515 |
| Core capital (leverage) ratio | 15.0233% | 697 |
| Tier 1 risk-based capital ratio | 17.5865% | 1,901 |
| Total risk-based capital ratio | 18.8410% | 1,863 |
| Memoranda: | ||
| Average total assets | $911,194,500 | 837 |
| Average earning assets | $831,507,250 | 846 |
| Average equity | $144,641,250 | 591 |
| Average total loans | $621,164,500 | 868 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 3,731 |
| Cost of funding earning assets | 0.7753% | 1,255 |
| Net interest margin | 3.2421% | 4,403 |
| Noninterest income to average assets | 1.6680% | 363 |
| Noninterest expense to average assets | 4.0986% | 472 |
| Loan and lease loss provision to assets | 0.0218% | 3,475 |
| Net operating income to assets | 0.3803% | 4,997 |
| Return on assets (ROA) | 0.3803% | 5,001 |
| Pretax return on assets | 0.5021% | 4,904 |
| Return on Equity (ROE) | 2.4095% | 5,114 |
| Retained earnings to average equity (ytd only) | 1.6142% | 4,606 |
| Net charge-offs to loans | -0.1301% | 5,236 |
| Credit loss provision to net charge-offs | -25.0000% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6648% | 425 |
| Assets per employee ($millions) | 5.4133% | 1,981 |
| Cash dividends to net income (ytd only)* | 33.0080% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 331 |
| Loan loss allowance to noncurrent loans | 141.2768% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 1,345 |
| Noncurrent loans to loans | 1.6069% | 1,006 |
| Net loans and leases to total assets | 67.0425% | 3,005 |
| Net loans and leases to deposits | 147.2604% | 11 |
| Net loans and leases to core deposits | 147.4562% | 134 |
| Total domestic deposits to total assets | 45.5265% | 5,499 |
| Equity capital to assets | 15.9356% | 511 |
| Core capital (leverage) ratio | 14.5479% | 768 |
| Tier 1 risk-based capital ratio | 17.9892% | 1,802 |
| Total risk-based capital ratio | 19.2463% | 1,767 |
| Memoranda: | ||
| Average total assets | $916,077,670 | 834 |
| Average earning assets | $834,827,000 | 846 |
| Average equity | $144,594,330 | 586 |
| Average total loans | $614,890,330 | 873 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,195 |
| Cost of funding earning assets | 0.7054% | 1,410 |
| Net interest margin | 3.1020% | 4,703 |
| Noninterest income to average assets | 1.7020% | 348 |
| Noninterest expense to average assets | 4.1236% | 452 |
| Loan and lease loss provision to assets | 0.0435% | 2,889 |
| Net operating income to assets | 0.2654% | 5,150 |
| Return on assets (ROA) | 0.2654% | 5,150 |
| Pretax return on assets | 0.3568% | 5,089 |
| Return on Equity (ROE) | 1.6894% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.6894% | 4,442 |
| Net charge-offs to loans | -0.0170% | 4,475 |
| Credit loss provision to net charge-offs | -384.6154% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1521% | 393 |
| Assets per employee ($millions) | 5.9128% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 327 |
| Loan loss allowance to noncurrent loans | 120.7549% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 1,301 |
| Noncurrent loans to loans | 1.8959% | 866 |
| Net loans and leases to total assets | 60.6903% | 3,683 |
| Net loans and leases to deposits | 122.2806% | 91 |
| Net loans and leases to core deposits | 122.4205% | 514 |
| Total domestic deposits to total assets | 49.6320% | 5,556 |
| Equity capital to assets | 14.9012% | 696 |
| Core capital (leverage) ratio | 14.6683% | 721 |
| Tier 1 risk-based capital ratio | 18.8480% | 1,592 |
| Total risk-based capital ratio | 20.1058% | 1,547 |
| Memoranda: | ||
| Average total assets | $919,399,000 | 837 |
| Average earning assets | $836,359,000 | 850 |
| Average equity | $144,429,500 | 588 |
| Average total loans | $610,400,000 | 883 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 3,977 |
| Cost of funding earning assets | 0.5192% | 2,187 |
| Net interest margin | 3.3027% | 4,155 |
| Noninterest income to average assets | 2.1762% | 261 |
| Noninterest expense to average assets | 4.3607% | 353 |
| Loan and lease loss provision to assets | 0.3381% | 486 |
| Net operating income to assets | -0.3603% | 5,491 |
| Return on assets (ROA) | -0.3580% | 5,491 |
| Pretax return on assets | 0.4544% | 5,010 |
| Return on Equity (ROE) | -2.1615% | 5,466 |
| Retained earnings to average equity (ytd only) | -3.7054% | 5,387 |
| Net charge-offs to loans | 0.4830% | 493 |
| Credit loss provision to net charge-offs | 102.5555% | 2,497 |
| Earnings coverage of net charge-offs (x) | 2.3934% | 3,748 |
| Efficiency ratio | 84.6796% | 716 |
| Assets per employee ($millions) | 4.9101% | 2,586 |
| Cash dividends to net income (ytd only)* | -71.4241% | 5,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 363 |
| Loan loss allowance to noncurrent loans | 121.0811% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 1,117 |
| Noncurrent loans to loans | 1.8246% | 878 |
| Net loans and leases to total assets | 69.5933% | 2,588 |
| Net loans and leases to deposits | 149.5357% | 13 |
| Net loans and leases to core deposits | 149.7393% | 133 |
| Total domestic deposits to total assets | 46.5396% | 5,623 |
| Equity capital to assets | 16.6106% | 440 |
| Core capital (leverage) ratio | 15.3438% | 565 |
| Tier 1 risk-based capital ratio | 17.5328% | 1,936 |
| Total risk-based capital ratio | 18.7909% | 1,885 |
| Memoranda: | ||
| Average total assets | $902,217,800 | 830 |
| Average earning assets | $812,272,000 | 846 |
| Average equity | $149,430,600 | 545 |
| Average total loans | $615,797,000 | 850 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,090 |
| Cost of funding earning assets | 0.4894% | 2,360 |
| Net interest margin | 3.2835% | 4,224 |
| Noninterest income to average assets | 2.2085% | 271 |
| Noninterest expense to average assets | 4.3720% | 348 |
| Loan and lease loss provision to assets | 0.3148% | 491 |
| Net operating income to assets | 0.3263% | 5,166 |
| Return on assets (ROA) | 0.3295% | 5,182 |
| Pretax return on assets | 0.4835% | 5,064 |
| Return on Equity (ROE) | 1.9907% | 5,311 |
| Retained earnings to average equity (ytd only) | 0.3955% | 5,131 |
| Net charge-offs to loans | 0.6568% | 297 |
| Credit loss provision to net charge-offs | 70.9571% | 2,690 |
| Earnings coverage of net charge-offs (x) | 1.7888% | 3,547 |
| Efficiency ratio | 84.6354% | 709 |
| Assets per employee ($millions) | 5.1296% | 2,299 |
| Cash dividends to net income (ytd only)* | 80.1332% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 511 |
| Loan loss allowance to noncurrent loans | 95.7573% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 1,012 |
| Noncurrent loans to loans | 2.1500% | 763 |
| Net loans and leases to total assets | 68.5156% | 2,769 |
| Net loans and leases to deposits | 149.4919% | 12 |
| Net loans and leases to core deposits | 149.6955% | 124 |
| Total domestic deposits to total assets | 45.8323% | 5,691 |
| Equity capital to assets | 17.0849% | 417 |
| Core capital (leverage) ratio | 14.9156% | 678 |
| Tier 1 risk-based capital ratio | 17.9766% | 1,859 |
| Total risk-based capital ratio | 19.2350% | 1,810 |
| Memoranda: | ||
| Average total assets | $910,499,250 | 821 |
| Average earning assets | $819,998,000 | 845 |
| Average equity | $150,698,000 | 548 |
| Average total loans | $615,122,750 | 856 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 4,479 |
| Cost of funding earning assets | 0.4118% | 2,960 |
| Net interest margin | 3.2008% | 4,420 |
| Noninterest income to average assets | 2.1946% | 279 |
| Noninterest expense to average assets | 4.3605% | 349 |
| Loan and lease loss provision to assets | 0.2826% | 561 |
| Net operating income to assets | 0.3066% | 5,205 |
| Return on assets (ROA) | 0.3083% | 5,223 |
| Pretax return on assets | 0.4383% | 5,098 |
| Return on Equity (ROE) | 1.8821% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.2861% | 4,735 |
| Net charge-offs to loans | 1.0283% | 193 |
| Credit loss provision to net charge-offs | 41.1523% | 2,639 |
| Earnings coverage of net charge-offs (x) | 1.0462% | 3,325 |
| Efficiency ratio | 85.8525% | 701 |
| Assets per employee ($millions) | 5.5139% | 1,859 |
| Cash dividends to net income (ytd only)* | 31.6643% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 791 |
| Loan loss allowance to noncurrent loans | 132.8049% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 1,865 |
| Noncurrent loans to loans | 1.3949% | 1,380 |
| Net loans and leases to total assets | 66.2897% | 3,060 |
| Net loans and leases to deposits | 150.6751% | 13 |
| Net loans and leases to core deposits | 150.8763% | 117 |
| Total domestic deposits to total assets | 43.9951% | 5,743 |
| Equity capital to assets | 16.1398% | 520 |
| Core capital (leverage) ratio | 14.5808% | 725 |
| Tier 1 risk-based capital ratio | 18.1657% | 1,806 |
| Total risk-based capital ratio | 19.4226% | 1,768 |
| Memoranda: | ||
| Average total assets | $919,903,000 | 816 |
| Average earning assets | $828,992,670 | 845 |
| Average equity | $150,684,670 | 549 |
| Average total loans | $614,426,330 | 860 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 4,462 |
| Cost of funding earning assets | 0.3554% | 3,472 |
| Net interest margin | 3.2267% | 4,256 |
| Noninterest income to average assets | 2.3319% | 259 |
| Noninterest expense to average assets | 4.4799% | 341 |
| Loan and lease loss provision to assets | 0.1536% | 1,197 |
| Net operating income to assets | 0.4324% | 4,851 |
| Return on assets (ROA) | 0.4324% | 4,869 |
| Pretax return on assets | 0.6041% | 4,722 |
| Return on Equity (ROE) | 2.6200% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.6200% | 4,088 |
| Net charge-offs to loans | -0.0635% | 5,289 |
| Credit loss provision to net charge-offs | -364.5833% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5335% | 842 |
| Assets per employee ($millions) | 5.6560% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2914% | 417 |
| Loan loss allowance to noncurrent loans | 119.3469% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 1,441 |
| Noncurrent loans to loans | 1.9199% | 942 |
| Net loans and leases to total assets | 61.8744% | 3,554 |
| Net loans and leases to deposits | 126.1281% | 49 |
| Net loans and leases to core deposits | 126.2745% | 318 |
| Total domestic deposits to total assets | 49.0568% | 5,806 |
| Equity capital to assets | 15.6215% | 554 |
| Core capital (leverage) ratio | 15.0977% | 591 |
| Tier 1 risk-based capital ratio | 18.6319% | 1,711 |
| Total risk-based capital ratio | 19.8932% | 1,665 |
| Memoranda: | ||
| Average total assets | $911,175,500 | 829 |
| Average earning assets | $820,517,000 | 851 |
| Average equity | $150,383,000 | 545 |
| Average total loans | $605,089,500 | 873 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4925% | 4,802 |
| Cost of funding earning assets | 0.2731% | 4,328 |
| Net interest margin | 3.2194% | 4,379 |
| Noninterest income to average assets | 3.4954% | 165 |
| Noninterest expense to average assets | 5.2632% | 234 |
| Loan and lease loss provision to assets | 0.2909% | 657 |
| Net operating income to assets | 0.5804% | 4,294 |
| Return on assets (ROA) | 0.5890% | 4,366 |
| Pretax return on assets | 0.8465% | 4,026 |
| Return on Equity (ROE) | 3.3566% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.9227% | 4,441 |
| Net charge-offs to loans | 0.4628% | 545 |
| Credit loss provision to net charge-offs | 95.9674% | 2,680 |
| Earnings coverage of net charge-offs (x) | 3.7123% | 3,617 |
| Efficiency ratio | 82.3878% | 1,159 |
| Assets per employee ($millions) | 5.2789% | 2,087 |
| Cash dividends to net income (ytd only)* | 42.7175% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 422 |
| Loan loss allowance to noncurrent loans | 114.5217% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3874% | 1,238 |
| Noncurrent loans to loans | 1.9851% | 910 |
| Net loans and leases to total assets | 68.3044% | 2,724 |
| Net loans and leases to deposits | 140.3720% | 22 |
| Net loans and leases to core deposits | 145.6407% | 141 |
| Total domestic deposits to total assets | 48.6596% | 5,866 |
| Equity capital to assets | 17.5027% | 335 |
| Core capital (leverage) ratio | 15.7726% | 487 |
| Tier 1 risk-based capital ratio | 18.6865% | 1,679 |
| Total risk-based capital ratio | 19.9512% | 1,644 |
| Memoranda: | ||
| Average total assets | $850,935,000 | 854 |
| Average earning assets | $764,609,800 | 880 |
| Average equity | $149,317,800 | 532 |
| Average total loans | $557,204,400 | 892 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 4,989 |
| Cost of funding earning assets | 0.2759% | 4,330 |
| Net interest margin | 3.1423% | 4,667 |
| Noninterest income to average assets | 3.6583% | 165 |
| Noninterest expense to average assets | 5.2952% | 224 |
| Loan and lease loss provision to assets | 0.2942% | 579 |
| Net operating income to assets | 0.6014% | 4,286 |
| Return on assets (ROA) | 0.6123% | 4,354 |
| Pretax return on assets | 0.9138% | 3,930 |
| Return on Equity (ROE) | 3.4872% | 5,086 |
| Retained earnings to average equity (ytd only) | 1.9433% | 4,713 |
| Net charge-offs to loans | 0.5866% | 357 |
| Credit loss provision to net charge-offs | 77.8978% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.1558% | 3,461 |
| Efficiency ratio | 81.6295% | 1,236 |
| Assets per employee ($millions) | 5.3707% | 1,981 |
| Cash dividends to net income (ytd only)* | 44.2736% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 540 |
| Loan loss allowance to noncurrent loans | 108.1354% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 1,336 |
| Noncurrent loans to loans | 2.0138% | 970 |
| Net loans and leases to total assets | 67.9393% | 2,811 |
| Net loans and leases to deposits | 138.0167% | 25 |
| Net loans and leases to core deposits | 138.0167% | 213 |
| Total domestic deposits to total assets | 49.2255% | 5,929 |
| Equity capital to assets | 17.2682% | 407 |
| Core capital (leverage) ratio | 15.6078% | 541 |
| Tier 1 risk-based capital ratio | 18.7815% | 1,717 |
| Total risk-based capital ratio | 20.0458% | 1,678 |
| Memoranda: | ||
| Average total assets | $849,873,250 | 853 |
| Average earning assets | $765,035,000 | 877 |
| Average equity | $149,227,250 | 533 |
| Average total loans | $547,076,750 | 899 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 5,181 |
| Cost of funding earning assets | 0.2824% | 4,323 |
| Net interest margin | 3.0690% | 4,923 |
| Noninterest income to average assets | 3.7270% | 164 |
| Noninterest expense to average assets | 5.3666% | 227 |
| Loan and lease loss provision to assets | 0.2372% | 840 |
| Net operating income to assets | 0.6045% | 4,245 |
| Return on assets (ROA) | 0.6212% | 4,314 |
| Pretax return on assets | 0.9116% | 3,912 |
| Return on Equity (ROE) | 3.5181% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.9969% | 4,006 |
| Net charge-offs to loans | -0.0117% | 4,751 |
| Credit loss provision to net charge-offs | -3,225.8065% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6810% | 1,191 |
| Assets per employee ($millions) | 5.1809% | 2,108 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 301 |
| Loan loss allowance to noncurrent loans | 93.3308% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 949 |
| Noncurrent loans to loans | 2.8271% | 554 |
| Net loans and leases to total assets | 62.4120% | 3,572 |
| Net loans and leases to deposits | 144.8190% | 14 |
| Net loans and leases to core deposits | 144.8190% | 150 |
| Total domestic deposits to total assets | 43.0966% | 6,013 |
| Equity capital to assets | 17.2716% | 399 |
| Core capital (leverage) ratio | 16.0398% | 461 |
| Tier 1 risk-based capital ratio | 19.7922% | 1,503 |
| Total risk-based capital ratio | 21.0610% | 1,464 |
| Memoranda: | ||
| Average total assets | $843,144,330 | 861 |
| Average earning assets | $759,277,670 | 883 |
| Average equity | $148,888,330 | 535 |
| Average total loans | $528,011,670 | 930 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 5,298 |
| Cost of funding earning assets | 0.3017% | 4,148 |
| Net interest margin | 3.0103% | 5,098 |
| Noninterest income to average assets | 3.7352% | 168 |
| Noninterest expense to average assets | 5.2879% | 235 |
| Loan and lease loss provision to assets | 0.2411% | 748 |
| Net operating income to assets | 0.6380% | 4,030 |
| Return on assets (ROA) | 0.6380% | 4,148 |
| Pretax return on assets | 0.9099% | 3,799 |
| Return on Equity (ROE) | 3.5716% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.5716% | 3,708 |
| Net charge-offs to loans | -0.0109% | 4,570 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1239% | 1,361 |
| Assets per employee ($millions) | 4.8348% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6183% | 341 |
| Loan loss allowance to noncurrent loans | 69.3197% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.4500% | 616 |
| Noncurrent loans to loans | 3.7771% | 335 |
| Net loans and leases to total assets | 63.1650% | 3,361 |
| Net loans and leases to deposits | 125.0549% | 60 |
| Net loans and leases to core deposits | 125.0549% | 354 |
| Total domestic deposits to total assets | 50.5098% | 6,066 |
| Equity capital to assets | 17.8301% | 341 |
| Core capital (leverage) ratio | 16.1664% | 450 |
| Tier 1 risk-based capital ratio | 20.7836% | 1,348 |
| Total risk-based capital ratio | 22.0534% | 1,318 |
| Memoranda: | ||
| Average total assets | $829,520,500 | 877 |
| Average earning assets | $745,034,000 | 897 |
| Average equity | $148,167,000 | 533 |
| Average total loans | $513,042,000 | 951 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 5,800 |
| Cost of funding earning assets | 0.2228% | 5,067 |
| Net interest margin | 2.6883% | 5,663 |
| Noninterest income to average assets | 3.8615% | 163 |
| Noninterest expense to average assets | 4.6555% | 367 |
| Loan and lease loss provision to assets | 0.5223% | 215 |
| Net operating income to assets | 1.1947% | 1,570 |
| Return on assets (ROA) | 1.2193% | 1,549 |
| Pretax return on assets | 1.1912% | 2,691 |
| Return on Equity (ROE) | 7.1387% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.7178% | 1,951 |
| Net charge-offs to loans | 0.1541% | 1,831 |
| Credit loss provision to net charge-offs | 634.0580% | 532 |
| Earnings coverage of net charge-offs (x) | 20.5043% | 1,875 |
| Efficiency ratio | 73.3800% | 2,675 |
| Assets per employee ($millions) | 4.8389% | 2,549 |
| Cash dividends to net income (ytd only)* | 19.9041% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8313% | 272 |
| Loan loss allowance to noncurrent loans | 82.9255% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 776 |
| Noncurrent loans to loans | 3.4143% | 421 |
| Net loans and leases to total assets | 57.1178% | 4,183 |
| Net loans and leases to deposits | 121.9278% | 88 |
| Net loans and leases to core deposits | 121.9278% | 429 |
| Total domestic deposits to total assets | 46.8456% | 6,131 |
| Equity capital to assets | 17.8940% | 322 |
| Core capital (leverage) ratio | 16.1867% | 448 |
| Tier 1 risk-based capital ratio | 22.0470% | 1,138 |
| Total risk-based capital ratio | 23.3228% | 1,111 |
| Memoranda: | ||
| Average total assets | $837,715,000 | 828 |
| Average earning assets | $773,734,000 | 817 |
| Average equity | $143,079,600 | 528 |
| Average total loans | $447,741,800 | 1,030 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8056% | 5,954 |
| Cost of funding earning assets | 0.2044% | 5,338 |
| Net interest margin | 2.6013% | 5,834 |
| Noninterest income to average assets | 4.0819% | 154 |
| Noninterest expense to average assets | 4.3889% | 444 |
| Loan and lease loss provision to assets | 0.5229% | 193 |
| Net operating income to assets | 1.5829% | 802 |
| Return on assets (ROA) | 1.5900% | 820 |
| Pretax return on assets | 1.5993% | 1,381 |
| Return on Equity (ROE) | 9.4190% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.8365% | 1,311 |
| Net charge-offs to loans | 0.1875% | 1,361 |
| Credit loss provision to net charge-offs | 534.8460% | 614 |
| Earnings coverage of net charge-offs (x) | 21.6352% | 1,814 |
| Efficiency ratio | 67.4803% | 3,633 |
| Assets per employee ($millions) | 5.9050% | 1,442 |
| Cash dividends to net income (ytd only)* | 16.8012% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7024% | 337 |
| Loan loss allowance to noncurrent loans | 160.0328% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,386 |
| Noncurrent loans to loans | 1.6886% | 1,439 |
| Net loans and leases to total assets | 46.8898% | 5,159 |
| Net loans and leases to deposits | 113.1738% | 185 |
| Net loans and leases to core deposits | 113.1738% | 702 |
| Total domestic deposits to total assets | 41.4316% | 6,224 |
| Equity capital to assets | 15.1783% | 700 |
| Core capital (leverage) ratio | 17.7523% | 313 |
| Tier 1 risk-based capital ratio | 23.7665% | 969 |
| Total risk-based capital ratio | 25.0263% | 956 |
| Memoranda: | ||
| Average total assets | $841,489,500 | 829 |
| Average earning assets | $783,546,000 | 812 |
| Average equity | $142,049,750 | 534 |
| Average total loans | $438,789,250 | 1,045 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9296% | 5,914 |
| Cost of funding earning assets | 0.2210% | 5,243 |
| Net interest margin | 2.7086% | 5,754 |
| Noninterest income to average assets | 2.9633% | 218 |
| Noninterest expense to average assets | 4.4959% | 424 |
| Loan and lease loss provision to assets | 0.3136% | 462 |
| Net operating income to assets | 0.5033% | 4,754 |
| Return on assets (ROA) | 0.5090% | 4,838 |
| Pretax return on assets | 0.6982% | 4,660 |
| Return on Equity (ROE) | 2.8964% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.4139% | 4,518 |
| Net charge-offs to loans | 0.2492% | 1,044 |
| Credit loss provision to net charge-offs | 234.0824% | 1,096 |
| Earnings coverage of net charge-offs (x) | 7.4944% | 2,663 |
| Efficiency ratio | 81.7452% | 1,527 |
| Assets per employee ($millions) | 5.9191% | 1,422 |
| Cash dividends to net income (ytd only)* | 16.6585% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4520% | 511 |
| Loan loss allowance to noncurrent loans | 125.5357% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 2,084 |
| Noncurrent loans to loans | 1.9533% | 1,270 |
| Net loans and leases to total assets | 50.7490% | 4,866 |
| Net loans and leases to deposits | 125.5065% | 62 |
| Net loans and leases to core deposits | 125.5065% | 345 |
| Total domestic deposits to total assets | 40.4354% | 6,299 |
| Equity capital to assets | 16.7256% | 444 |
| Core capital (leverage) ratio | 17.2059% | 347 |
| Tier 1 risk-based capital ratio | 24.7991% | 884 |
| Total risk-based capital ratio | 26.0570% | 870 |
| Memoranda: | ||
| Average total assets | $797,210,000 | 885 |
| Average earning assets | $746,575,000 | 858 |
| Average equity | $140,104,330 | 542 |
| Average total loans | $428,536,000 | 1,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 5,900 |
| Cost of funding earning assets | 0.2569% | 4,939 |
| Net interest margin | 2.7371% | 5,757 |
| Noninterest income to average assets | 3.1121% | 210 |
| Noninterest expense to average assets | 4.5484% | 417 |
| Loan and lease loss provision to assets | 0.4487% | 245 |
| Net operating income to assets | 0.5123% | 4,617 |
| Return on assets (ROA) | 0.5194% | 4,705 |
| Pretax return on assets | 0.6844% | 4,638 |
| Return on Equity (ROE) | 2.8799% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,237 |
| Net charge-offs to loans | 0.6299% | 383 |
| Credit loss provision to net charge-offs | 130.2395% | 1,368 |
| Earnings coverage of net charge-offs (x) | 3.2620% | 2,630 |
| Efficiency ratio | 80.1873% | 1,880 |
| Assets per employee ($millions) | 5.4693% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3819% | 633 |
| Loan loss allowance to noncurrent loans | 95.8224% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 1,588 |
| Noncurrent loans to loans | 2.4857% | 979 |
| Net loans and leases to total assets | 54.6324% | 4,353 |
| Net loans and leases to deposits | 115.4742% | 140 |
| Net loans and leases to core deposits | 115.4742% | 536 |
| Total domestic deposits to total assets | 47.3113% | 6,363 |
| Equity capital to assets | 18.3641% | 305 |
| Core capital (leverage) ratio | 17.3038% | 335 |
| Tier 1 risk-based capital ratio | 26.1596% | 774 |
| Total risk-based capital ratio | 27.4176% | 755 |
| Memoranda: | ||
| Average total assets | $775,561,500 | 905 |
| Average earning assets | $725,435,000 | 892 |
| Average equity | $139,866,500 | 542 |
| Average total loans | $424,168,500 | 1,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9158% | 6,119 |
| Cost of funding earning assets | 0.3028% | 4,764 |
| Net interest margin | 2.6130% | 6,052 |
| Noninterest income to average assets | 2.9087% | 201 |
| Noninterest expense to average assets | 4.4205% | 494 |
| Loan and lease loss provision to assets | 0.1802% | 1,426 |
| Net operating income to assets | 0.5173% | 4,743 |
| Return on assets (ROA) | 0.5275% | 4,782 |
| Pretax return on assets | 0.7632% | 4,389 |
| Return on Equity (ROE) | 3.0531% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.5894% | 5,033 |
| Net charge-offs to loans | 0.1293% | 2,725 |
| Credit loss provision to net charge-offs | 272.2960% | 935 |
| Earnings coverage of net charge-offs (x) | 14.0323% | 2,205 |
| Efficiency ratio | 82.6404% | 1,576 |
| Assets per employee ($millions) | 5.3796% | 1,879 |
| Cash dividends to net income (ytd only)* | 47.9410% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 636 |
| Loan loss allowance to noncurrent loans | 107.7777% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 2,378 |
| Noncurrent loans to loans | 2.2112% | 1,201 |
| Net loans and leases to total assets | 52.1763% | 4,768 |
| Net loans and leases to deposits | 113.3639% | 172 |
| Net loans and leases to core deposits | 113.3639% | 631 |
| Total domestic deposits to total assets | 46.0255% | 6,453 |
| Equity capital to assets | 17.7127% | 338 |
| Core capital (leverage) ratio | 17.8629% | 295 |
| Tier 1 risk-based capital ratio | 27.8961% | 621 |
| Total risk-based capital ratio | 29.1556% | 609 |
| Memoranda: | ||
| Average total assets | $796,376,000 | 850 |
| Average earning assets | $743,778,000 | 827 |
| Average equity | $137,599,800 | 527 |
| Average total loans | $407,727,000 | 1,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8795% | 6,222 |
| Cost of funding earning assets | 0.2918% | 4,973 |
| Net interest margin | 2.5877% | 6,147 |
| Noninterest income to average assets | 2.9153% | 195 |
| Noninterest expense to average assets | 4.4730% | 474 |
| Loan and lease loss provision to assets | 0.1710% | 1,439 |
| Net operating income to assets | 0.4743% | 4,975 |
| Return on assets (ROA) | 0.4865% | 4,987 |
| Pretax return on assets | 0.7039% | 4,692 |
| Return on Equity (ROE) | 2.8333% | 5,599 |
| Retained earnings to average equity (ytd only) | 1.2146% | 5,407 |
| Net charge-offs to loans | 0.1305% | 2,493 |
| Credit loss provision to net charge-offs | 258.8384% | 1,022 |
| Earnings coverage of net charge-offs (x) | 12.9747% | 2,267 |
| Efficiency ratio | 83.9171% | 1,395 |
| Assets per employee ($millions) | 5.6839% | 1,574 |
| Cash dividends to net income (ytd only)* | 57.1332% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3070% | 819 |
| Loan loss allowance to noncurrent loans | 145.2875% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,217 |
| Noncurrent loans to loans | 1.5879% | 2,046 |
| Net loans and leases to total assets | 50.3254% | 4,969 |
| Net loans and leases to deposits | 115.8366% | 132 |
| Net loans and leases to core deposits | 115.8366% | 514 |
| Total domestic deposits to total assets | 43.4451% | 6,537 |
| Equity capital to assets | 16.8714% | 443 |
| Core capital (leverage) ratio | 17.0151% | 371 |
| Tier 1 risk-based capital ratio | 27.1094% | 699 |
| Total risk-based capital ratio | 28.3677% | 685 |
| Memoranda: | ||
| Average total assets | $799,113,250 | 852 |
| Average earning assets | $745,757,500 | 828 |
| Average equity | $137,219,750 | 528 |
| Average total loans | $404,705,750 | 1,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7772% | 6,351 |
| Cost of funding earning assets | 0.2340% | 5,632 |
| Net interest margin | 2.5432% | 6,228 |
| Noninterest income to average assets | 3.0727% | 184 |
| Noninterest expense to average assets | 4.5513% | 426 |
| Loan and lease loss provision to assets | 0.1943% | 1,260 |
| Net operating income to assets | 0.4882% | 4,856 |
| Return on assets (ROA) | 0.5059% | 4,879 |
| Pretax return on assets | 0.7274% | 4,542 |
| Return on Equity (ROE) | 2.9285% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,658 |
| Net charge-offs to loans | 0.2070% | 1,784 |
| Credit loss provision to net charge-offs | 186.4407% | 1,239 |
| Earnings coverage of net charge-offs (x) | 8.6029% | 2,470 |
| Efficiency ratio | 83.5441% | 1,564 |
| Assets per employee ($millions) | 5.6264% | 1,588 |
| Cash dividends to net income (ytd only)* | 16.8579% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,003 |
| Loan loss allowance to noncurrent loans | 133.6585% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 3,007 |
| Noncurrent loans to loans | 1.6576% | 2,093 |
| Net loans and leases to total assets | 50.4559% | 4,912 |
| Net loans and leases to deposits | 111.7253% | 170 |
| Net loans and leases to core deposits | 111.7253% | 614 |
| Total domestic deposits to total assets | 45.1607% | 6,602 |
| Equity capital to assets | 16.7405% | 448 |
| Core capital (leverage) ratio | 17.6740% | 313 |
| Tier 1 risk-based capital ratio | 27.2331% | 690 |
| Total risk-based capital ratio | 28.4907% | 675 |
| Memoranda: | ||
| Average total assets | $792,655,000 | 856 |
| Average earning assets | $740,249,330 | 829 |
| Average equity | $136,929,670 | 530 |
| Average total loans | $399,063,000 | 1,095 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8297% | 6,376 |
| Cost of funding earning assets | 0.2737% | 5,349 |
| Net interest margin | 2.5560% | 6,280 |
| Noninterest income to average assets | 2.9939% | 185 |
| Noninterest expense to average assets | 4.5755% | 425 |
| Loan and lease loss provision to assets | 0.1909% | 1,239 |
| Net operating income to assets | 0.4343% | 4,998 |
| Return on assets (ROA) | 0.4343% | 5,057 |
| Pretax return on assets | 0.6071% | 4,806 |
| Return on Equity (ROE) | 2.4735% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.4735% | 4,591 |
| Net charge-offs to loans | 0.4943% | 743 |
| Credit loss provision to net charge-offs | 77.7311% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,711 |
| Efficiency ratio | 85.1493% | 1,528 |
| Assets per employee ($millions) | 5.0737% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 952 |
| Loan loss allowance to noncurrent loans | 104.3403% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 2,512 |
| Noncurrent loans to loans | 2.2639% | 1,591 |
| Net loans and leases to total assets | 50.8662% | 4,809 |
| Net loans and leases to deposits | 112.4714% | 115 |
| Net loans and leases to core deposits | 112.4714% | 504 |
| Total domestic deposits to total assets | 45.2259% | 6,672 |
| Equity capital to assets | 18.7409% | 273 |
| Core capital (leverage) ratio | 16.9740% | 369 |
| Tier 1 risk-based capital ratio | 30.6513% | 500 |
| Total risk-based capital ratio | 31.9106% | 494 |
| Memoranda: | ||
| Average total assets | $775,440,000 | 876 |
| Average earning assets | $721,905,500 | 857 |
| Average equity | $136,165,500 | 536 |
| Average total loans | $385,210,500 | 1,144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6459% | 6,571 |
| Cost of funding earning assets | 0.3245% | 5,384 |
| Net interest margin | 2.3214% | 6,505 |
| Noninterest income to average assets | 2.8907% | 234 |
| Noninterest expense to average assets | 4.2052% | 696 |
| Loan and lease loss provision to assets | 0.1606% | 2,273 |
| Net operating income to assets | 0.4678% | 4,877 |
| Return on assets (ROA) | 0.4812% | 4,957 |
| Pretax return on assets | 0.7146% | 4,486 |
| Return on Equity (ROE) | 2.9865% | 5,515 |
| Retained earnings to average equity (ytd only) | 1.3744% | 5,209 |
| Net charge-offs to loans | 0.6508% | 998 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.9582% | 4,003 |
| Efficiency ratio | 83.0983% | 1,737 |
| Assets per employee ($millions) | 5.4322% | 1,724 |
| Cash dividends to net income (ytd only)* | 53.9788% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3341% | 1,004 |
| Loan loss allowance to noncurrent loans | 93.6683% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 2,515 |
| Noncurrent loans to loans | 2.4918% | 1,519 |
| Net loans and leases to total assets | 46.4113% | 5,455 |
| Net loans and leases to deposits | 107.7437% | 212 |
| Net loans and leases to core deposits | 107.7437% | 710 |
| Total domestic deposits to total assets | 43.0757% | 6,759 |
| Equity capital to assets | 16.5078% | 446 |
| Core capital (leverage) ratio | 15.6901% | 510 |
| Tier 1 risk-based capital ratio | 28.1211% | 602 |
| Total risk-based capital ratio | 29.3788% | 588 |
| Memoranda: | ||
| Average total assets | $843,547,000 | 788 |
| Average earning assets | $788,488,400 | 767 |
| Average equity | $135,910,400 | 531 |
| Average total loans | $374,761,600 | 1,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5228% | 6,689 |
| Cost of funding earning assets | 0.3100% | 5,646 |
| Net interest margin | 2.2128% | 6,638 |
| Noninterest income to average assets | 3.0428% | 232 |
| Noninterest expense to average assets | 4.3016% | 631 |
| Loan and lease loss provision to assets | 0.1601% | 2,257 |
| Net operating income to assets | 0.4394% | 5,073 |
| Return on assets (ROA) | 0.4500% | 5,165 |
| Pretax return on assets | 0.6664% | 4,801 |
| Return on Equity (ROE) | 2.8100% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.0977% | 5,536 |
| Net charge-offs to loans | 0.0510% | 4,174 |
| Credit loss provision to net charge-offs | 718.3099% | 406 |
| Earnings coverage of net charge-offs (x) | 36.3729% | 1,075 |
| Efficiency ratio | 84.1409% | 1,574 |
| Assets per employee ($millions) | 5.9350% | 1,282 |
| Cash dividends to net income (ytd only)* | 60.9349% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7282% | 719 |
| Loan loss allowance to noncurrent loans | 74.5786% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9189% | 2,111 |
| Noncurrent loans to loans | 3.6582% | 1,013 |
| Net loans and leases to total assets | 44.8928% | 5,639 |
| Net loans and leases to deposits | 105.3414% | 257 |
| Net loans and leases to core deposits | 105.3414% | 799 |
| Total domestic deposits to total assets | 42.6165% | 6,835 |
| Equity capital to assets | 15.3919% | 641 |
| Core capital (leverage) ratio | 15.9360% | 499 |
| Tier 1 risk-based capital ratio | 27.4434% | 672 |
| Total risk-based capital ratio | 28.7056% | 656 |
| Memoranda: | ||
| Average total assets | $849,368,000 | 783 |
| Average earning assets | $794,383,750 | 764 |
| Average equity | $136,036,250 | 536 |
| Average total loans | $371,003,750 | 1,148 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3927% | 6,773 |
| Cost of funding earning assets | 0.2376% | 6,253 |
| Net interest margin | 2.1551% | 6,706 |
| Noninterest income to average assets | 3.3324% | 219 |
| Noninterest expense to average assets | 4.5128% | 518 |
| Loan and lease loss provision to assets | 0.1429% | 2,546 |
| Net operating income to assets | 0.4664% | 4,946 |
| Return on assets (ROA) | 0.4823% | 5,051 |
| Pretax return on assets | 0.7160% | 4,630 |
| Return on Equity (ROE) | 2.9711% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.3314% | 4,808 |
| Net charge-offs to loans | 0.0890% | 3,478 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 21.9125% | 1,396 |
| Efficiency ratio | 84.3852% | 1,590 |
| Assets per employee ($millions) | 5.2917% | 1,807 |
| Cash dividends to net income (ytd only)* | 21.5309% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7030% | 792 |
| Loan loss allowance to noncurrent loans | 70.4143% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.5065% | 1,692 |
| Noncurrent loans to loans | 3.8387% | 1,047 |
| Net loans and leases to total assets | 49.1531% | 5,204 |
| Net loans and leases to deposits | 102.7983% | 306 |
| Net loans and leases to core deposits | 102.7983% | 899 |
| Total domestic deposits to total assets | 47.8151% | 6,880 |
| Equity capital to assets | 17.4048% | 379 |
| Core capital (leverage) ratio | 17.3543% | 335 |
| Tier 1 risk-based capital ratio | 27.8602% | 632 |
| Total risk-based capital ratio | 29.1216% | 622 |
| Memoranda: | ||
| Average total assets | $839,695,330 | 794 |
| Average earning assets | $785,307,670 | 772 |
| Average equity | $136,315,000 | 540 |
| Average total loans | $359,541,000 | 1,185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2527% | 6,882 |
| Cost of funding earning assets | 0.2333% | 6,392 |
| Net interest margin | 2.0194% | 6,833 |
| Noninterest income to average assets | 3.2557% | 228 |
| Noninterest expense to average assets | 4.3786% | 588 |
| Loan and lease loss provision to assets | 0.1263% | 2,654 |
| Net operating income to assets | 0.4262% | 5,021 |
| Return on assets (ROA) | 0.4402% | 5,121 |
| Pretax return on assets | 0.6648% | 4,727 |
| Return on Equity (ROE) | 2.8016% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.8016% | 4,604 |
| Net charge-offs to loans | 0.1879% | 2,282 |
| Credit loss provision to net charge-offs | 170.8075% | 1,233 |
| Earnings coverage of net charge-offs (x) | 10.4099% | 1,746 |
| Efficiency ratio | 85.0437% | 1,633 |
| Assets per employee ($millions) | 5.9330% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9505% | 694 |
| Loan loss allowance to noncurrent loans | 67.7078% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.2194% | 2,104 |
| Noncurrent loans to loans | 4.3577% | 981 |
| Net loans and leases to total assets | 38.3126% | 6,132 |
| Net loans and leases to deposits | 93.0150% | 727 |
| Net loans and leases to core deposits | 93.0150% | 1,414 |
| Total domestic deposits to total assets | 41.1896% | 6,963 |
| Equity capital to assets | 15.5141% | 631 |
| Core capital (leverage) ratio | 15.1186% | 575 |
| Tier 1 risk-based capital ratio | 31.6457% | 465 |
| Total risk-based capital ratio | 32.9100% | 459 |
| Memoranda: | ||
| Average total assets | $870,606,500 | 766 |
| Average earning assets | $816,076,500 | 742 |
| Average equity | $136,779,000 | 544 |
| Average total loans | $342,826,000 | 1,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3807% | 6,959 |
| Cost of funding earning assets | 0.2337% | 6,739 |
| Net interest margin | 2.1469% | 6,890 |
| Noninterest income to average assets | 3.3993% | 216 |
| Noninterest expense to average assets | 4.5836% | 528 |
| Loan and lease loss provision to assets | 0.1204% | 4,117 |
| Net operating income to assets | 0.4713% | 4,799 |
| Return on assets (ROA) | 0.4851% | 4,997 |
| Pretax return on assets | 0.7265% | 4,570 |
| Return on Equity (ROE) | 3.1452% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.4272% | 5,159 |
| Net charge-offs to loans | 0.9084% | 1,252 |
| Credit loss provision to net charge-offs | 33.6936% | 5,046 |
| Earnings coverage of net charge-offs (x) | 2.3121% | 4,257 |
| Efficiency ratio | 84.7268% | 1,542 |
| Assets per employee ($millions) | 5.6768% | 1,539 |
| Cash dividends to net income (ytd only)* | 54.6242% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0244% | 644 |
| Loan loss allowance to noncurrent loans | 63.1442% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.3884% | 2,050 |
| Noncurrent loans to loans | 4.7896% | 857 |
| Net loans and leases to total assets | 38.0874% | 6,300 |
| Net loans and leases to deposits | 92.2226% | 898 |
| Net loans and leases to core deposits | 92.2226% | 1,620 |
| Total domestic deposits to total assets | 41.2994% | 7,027 |
| Equity capital to assets | 15.9136% | 567 |
| Core capital (leverage) ratio | 14.5711% | 657 |
| Tier 1 risk-based capital ratio | 31.4994% | 449 |
| Total risk-based capital ratio | 32.7634% | 441 |
| Memoranda: | ||
| Average total assets | $880,356,000 | 748 |
| Average earning assets | $824,427,400 | 725 |
| Average equity | $135,794,800 | 534 |
| Average total loans | $346,312,400 | 1,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3681% | 7,076 |
| Cost of funding earning assets | 0.2298% | 6,875 |
| Net interest margin | 2.1384% | 7,002 |
| Noninterest income to average assets | 3.4135% | 214 |
| Noninterest expense to average assets | 4.5651% | 521 |
| Loan and lease loss provision to assets | 0.1144% | 4,136 |
| Net operating income to assets | 0.4867% | 4,893 |
| Return on assets (ROA) | 0.4983% | 5,113 |
| Pretax return on assets | 0.7556% | 4,655 |
| Return on Equity (ROE) | 3.2556% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.3968% | 5,619 |
| Net charge-offs to loans | 0.6396% | 1,722 |
| Credit loss provision to net charge-offs | 45.4274% | 4,506 |
| Earnings coverage of net charge-offs (x) | 3.3861% | 3,666 |
| Efficiency ratio | 84.2665% | 1,561 |
| Assets per employee ($millions) | 5.8668% | 1,327 |
| Cash dividends to net income (ytd only)* | 57.0954% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4016% | 510 |
| Loan loss allowance to noncurrent loans | 55.5393% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 1,898 |
| Noncurrent loans to loans | 6.1246% | 657 |
| Net loans and leases to total assets | 35.9240% | 6,554 |
| Net loans and leases to deposits | 81.1099% | 2,235 |
| Net loans and leases to core deposits | 81.1099% | 3,079 |
| Total domestic deposits to total assets | 44.2905% | 7,124 |
| Equity capital to assets | 15.1609% | 788 |
| Core capital (leverage) ratio | 16.1397% | 464 |
| Tier 1 risk-based capital ratio | 32.2463% | 434 |
| Total risk-based capital ratio | 33.5145% | 424 |
| Memoranda: | ||
| Average total assets | $886,147,000 | 745 |
| Average earning assets | $830,446,000 | 724 |
| Average equity | $135,641,000 | 538 |
| Average total loans | $348,724,500 | 1,208 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4121% | 7,140 |
| Cost of funding earning assets | 0.2345% | 6,961 |
| Net interest margin | 2.1776% | 7,050 |
| Noninterest income to average assets | 3.5411% | 202 |
| Noninterest expense to average assets | 4.6516% | 478 |
| Loan and lease loss provision to assets | 0.1269% | 3,935 |
| Net operating income to assets | 0.5173% | 4,733 |
| Return on assets (ROA) | 0.5275% | 4,964 |
| Pretax return on assets | 0.8160% | 4,418 |
| Return on Equity (ROE) | 3.4349% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.7884% | 4,765 |
| Net charge-offs to loans | 0.7719% | 1,424 |
| Credit loss provision to net charge-offs | 41.0256% | 4,241 |
| Earnings coverage of net charge-offs (x) | 2.9971% | 3,552 |
| Efficiency ratio | 83.3780% | 1,698 |
| Assets per employee ($millions) | 5.5267% | 1,593 |
| Cash dividends to net income (ytd only)* | 18.8225% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3384% | 571 |
| Loan loss allowance to noncurrent loans | 57.4680% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.8382% | 1,940 |
| Noncurrent loans to loans | 5.8092% | 781 |
| Net loans and leases to total assets | 38.2479% | 6,463 |
| Net loans and leases to deposits | 88.6944% | 1,295 |
| Net loans and leases to core deposits | 88.6944% | 2,128 |
| Total domestic deposits to total assets | 43.1233% | 7,194 |
| Equity capital to assets | 15.7191% | 637 |
| Core capital (leverage) ratio | 15.7191% | 495 |
| Tier 1 risk-based capital ratio | 31.8213% | 447 |
| Total risk-based capital ratio | 33.0893% | 441 |
| Memoranda: | ||
| Average total assets | $882,320,670 | 754 |
| Average earning assets | $825,670,330 | 732 |
| Average equity | $135,492,000 | 533 |
| Average total loans | $353,693,330 | 1,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4255% | 7,190 |
| Cost of funding earning assets | 0.2380% | 7,037 |
| Net interest margin | 2.1875% | 7,096 |
| Noninterest income to average assets | 3.4356% | 197 |
| Noninterest expense to average assets | 4.5111% | 550 |
| Loan and lease loss provision to assets | 0.2068% | 2,883 |
| Net operating income to assets | 0.4685% | 4,966 |
| Return on assets (ROA) | 0.4685% | 5,158 |
| Pretax return on assets | 0.7630% | 4,560 |
| Return on Equity (ROE) | 3.0865% | 5,686 |
| Retained earnings to average equity (ytd only) | 3.0865% | 4,708 |
| Net charge-offs to loans | -0.0490% | 6,523 |
| Credit loss provision to net charge-offs | -1,045.4545% | 5,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3052% | 1,898 |
| Assets per employee ($millions) | 5.9459% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6552% | 481 |
| Loan loss allowance to noncurrent loans | 53.1281% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 3.1101% | 1,867 |
| Noncurrent loans to loans | 6.8800% | 660 |
| Net loans and leases to total assets | 36.2942% | 6,602 |
| Net loans and leases to deposits | 86.7768% | 1,319 |
| Net loans and leases to core deposits | 86.7768% | 2,202 |
| Total domestic deposits to total assets | 41.8247% | 7,257 |
| Equity capital to assets | 14.6174% | 829 |
| Core capital (leverage) ratio | 14.3093% | 729 |
| Tier 1 risk-based capital ratio | 32.0162% | 435 |
| Total risk-based capital ratio | 33.2886% | 424 |
| Memoranda: | ||
| Average total assets | $889,635,500 | 747 |
| Average earning assets | $831,817,000 | 724 |
| Average equity | $135,041,500 | 533 |
| Average total loans | $358,872,000 | 1,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8326% | 7,216 |
| Cost of funding earning assets | 0.2371% | 7,191 |
| Net interest margin | 2.5955% | 7,004 |
| Noninterest income to average assets | 3.1714% | 199 |
| Noninterest expense to average assets | 4.3756% | 669 |
| Loan and lease loss provision to assets | 0.4811% | 2,200 |
| Net operating income to assets | 0.5007% | 4,423 |
| Return on assets (ROA) | 0.5133% | 4,576 |
| Pretax return on assets | 0.7605% | 4,117 |
| Return on Equity (ROE) | 3.4404% | 5,103 |
| Retained earnings to average equity (ytd only) | 1.7544% | 4,965 |
| Net charge-offs to loans | 1.3503% | 1,222 |
| Credit loss provision to net charge-offs | 78.2910% | 4,537 |
| Earnings coverage of net charge-offs (x) | 1.9898% | 4,289 |
| Efficiency ratio | 78.1586% | 2,569 |
| Assets per employee ($millions) | 5.4597% | 1,681 |
| Cash dividends to net income (ytd only)* | 49.0055% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3308% | 605 |
| Loan loss allowance to noncurrent loans | 59.7652% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.9139% | 2,071 |
| Noncurrent loans to loans | 5.5731% | 942 |
| Net loans and leases to total assets | 41.8045% | 6,401 |
| Net loans and leases to deposits | 97.5675% | 586 |
| Net loans and leases to core deposits | 97.5675% | 1,369 |
| Total domestic deposits to total assets | 42.8468% | 7,304 |
| Equity capital to assets | 15.7915% | 616 |
| Core capital (leverage) ratio | 14.1458% | 787 |
| Tier 1 risk-based capital ratio | 30.0921% | 515 |
| Total risk-based capital ratio | 31.3611% | 505 |
| Memoranda: | ||
| Average total assets | $891,258,600 | 736 |
| Average earning assets | $833,412,000 | 712 |
| Average equity | $132,977,200 | 523 |
| Average total loans | $405,616,800 | 1,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8657% | 7,288 |
| Cost of funding earning assets | 0.2319% | 7,292 |
| Net interest margin | 2.6337% | 7,048 |
| Noninterest income to average assets | 3.0507% | 214 |
| Noninterest expense to average assets | 4.3675% | 663 |
| Loan and lease loss provision to assets | 0.3107% | 3,042 |
| Net operating income to assets | 0.5656% | 4,245 |
| Return on assets (ROA) | 0.5822% | 4,347 |
| Pretax return on assets | 0.8654% | 3,895 |
| Return on Equity (ROE) | 3.9568% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.1478% | 5,058 |
| Net charge-offs to loans | 0.5961% | 2,473 |
| Credit loss provision to net charge-offs | 113.2075% | 2,888 |
| Earnings coverage of net charge-offs (x) | 4.1946% | 3,147 |
| Efficiency ratio | 79.1394% | 2,387 |
| Assets per employee ($millions) | 6.2227% | 1,073 |
| Cash dividends to net income (ytd only)* | 45.7179% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6356% | 508 |
| Loan loss allowance to noncurrent loans | 66.9533% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.5155% | 2,567 |
| Noncurrent loans to loans | 5.4301% | 1,100 |
| Net loans and leases to total assets | 37.6539% | 6,793 |
| Net loans and leases to deposits | 93.2917% | 896 |
| Net loans and leases to core deposits | 93.2917% | 1,847 |
| Total domestic deposits to total assets | 40.3614% | 7,378 |
| Equity capital to assets | 13.9344% | 1,181 |
| Core capital (leverage) ratio | 14.4594% | 782 |
| Tier 1 risk-based capital ratio | 28.4271% | 626 |
| Total risk-based capital ratio | 29.6980% | 618 |
| Memoranda: | ||
| Average total assets | $901,144,750 | 734 |
| Average earning assets | $844,458,000 | 703 |
| Average equity | $132,597,000 | 530 |
| Average total loans | $414,940,250 | 1,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9718% | 7,344 |
| Cost of funding earning assets | 0.2395% | 7,371 |
| Net interest margin | 2.7322% | 6,991 |
| Noninterest income to average assets | 2.8372% | 233 |
| Noninterest expense to average assets | 4.2515% | 784 |
| Loan and lease loss provision to assets | 0.3636% | 2,611 |
| Net operating income to assets | 0.5203% | 4,414 |
| Return on assets (ROA) | 0.5459% | 4,459 |
| Pretax return on assets | 0.8136% | 3,975 |
| Return on Equity (ROE) | 3.6395% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.9789% | 4,384 |
| Net charge-offs to loans | 0.8405% | 1,820 |
| Credit loss provision to net charge-offs | 89.0373% | 3,484 |
| Earnings coverage of net charge-offs (x) | 2.7891% | 3,453 |
| Efficiency ratio | 78.8693% | 2,574 |
| Assets per employee ($millions) | 5.7287% | 1,367 |
| Cash dividends to net income (ytd only)* | 18.1515% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2469% | 726 |
| Loan loss allowance to noncurrent loans | 74.3982% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.5159% | 2,646 |
| Noncurrent loans to loans | 4.3642% | 1,542 |
| Net loans and leases to total assets | 44.7891% | 6,367 |
| Net loans and leases to deposits | 121.7775% | 82 |
| Net loans and leases to core deposits | 121.7775% | 381 |
| Total domestic deposits to total assets | 36.7794% | 7,455 |
| Equity capital to assets | 15.1749% | 774 |
| Core capital (leverage) ratio | 14.8726% | 694 |
| Tier 1 risk-based capital ratio | 27.4642% | 698 |
| Total risk-based capital ratio | 28.7327% | 679 |
| Memoranda: | ||
| Average total assets | $880,020,670 | 757 |
| Average earning assets | $822,403,000 | 737 |
| Average equity | $131,996,000 | 531 |
| Average total loans | $427,627,000 | 1,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0066% | 7,395 |
| Cost of funding earning assets | 0.2434% | 7,449 |
| Net interest margin | 2.7632% | 6,958 |
| Noninterest income to average assets | 2.9486% | 229 |
| Noninterest expense to average assets | 4.3621% | 684 |
| Loan and lease loss provision to assets | 0.4551% | 1,936 |
| Net operating income to assets | 0.4633% | 4,649 |
| Return on assets (ROA) | 0.5056% | 4,551 |
| Pretax return on assets | 0.7750% | 3,992 |
| Return on Equity (ROE) | 3.3909% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.3909% | 4,159 |
| Net charge-offs to loans | 0.8517% | 1,549 |
| Credit loss provision to net charge-offs | 107.4114% | 2,481 |
| Earnings coverage of net charge-offs (x) | 2.7497% | 2,983 |
| Efficiency ratio | 78.9214% | 2,702 |
| Assets per employee ($millions) | 6.0126% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1770% | 781 |
| Loan loss allowance to noncurrent loans | 100.0148% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 3,186 |
| Noncurrent loans to loans | 3.1765% | 2,364 |
| Net loans and leases to total assets | 45.1057% | 6,373 |
| Net loans and leases to deposits | 113.4355% | 139 |
| Net loans and leases to core deposits | 113.4355% | 617 |
| Total domestic deposits to total assets | 39.7633% | 7,511 |
| Equity capital to assets | 14.4202% | 902 |
| Core capital (leverage) ratio | 14.6896% | 709 |
| Tier 1 risk-based capital ratio | 26.2940% | 757 |
| Total risk-based capital ratio | 27.5619% | 743 |
| Memoranda: | ||
| Average total assets | $878,924,500 | 763 |
| Average earning assets | $820,198,000 | 742 |
| Average equity | $131,056,500 | 530 |
| Average total loans | $437,243,000 | 996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 7,295 |
| Cost of funding earning assets | 0.2544% | 7,531 |
| Net interest margin | 3.4721% | 5,355 |
| Noninterest income to average assets | 8.8371% | 74 |
| Noninterest expense to average assets | 9.3340% | 90 |
| Loan and lease loss provision to assets | 1.4223% | 1,057 |
| Net operating income to assets | 0.8918% | 2,420 |
| Return on assets (ROA) | 0.8918% | 2,554 |
| Pretax return on assets | 1.2944% | 1,940 |
| Return on Equity (ROE) | 6.4259% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.0902% | 2,361 |
| Net charge-offs to loans | 1.0174% | 2,160 |
| Credit loss provision to net charge-offs | 214.5843% | 1,411 |
| Earnings coverage of net charge-offs (x) | 4.0987% | 3,065 |
| Efficiency ratio | 77.4566% | 2,794 |
| Assets per employee ($millions) | 3.2293% | 5,598 |
| Cash dividends to net income (ytd only)* | 20.7865% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6534% | 526 |
| Loan loss allowance to noncurrent loans | 130.3954% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 3,559 |
| Noncurrent loans to loans | 2.8018% | 2,723 |
| Net loans and leases to total assets | 63.5522% | 3,961 |
| Net loans and leases to deposits | 202.0120% | 22 |
| Net loans and leases to core deposits | 202.0120% | 81 |
| Total domestic deposits to total assets | 31.4596% | 7,598 |
| Equity capital to assets | 14.9016% | 814 |
| Core capital (leverage) ratio | 13.4219% | 996 |
| Tier 1 risk-based capital ratio | 20.2892% | 1,437 |
| Total risk-based capital ratio | 21.5644% | 1,412 |
| Memoranda: | ||
| Average total assets | $339,318,600 | 1,924 |
| Average earning assets | $314,048,200 | 1,888 |
| Average equity | $47,090,800 | 1,422 |
| Average total loans | $221,063,200 | 1,965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7137% | 7,441 |
| Cost of funding earning assets | 0.2488% | 7,655 |
| Net interest margin | 3.4649% | 5,434 |
| Noninterest income to average assets | 8.4300% | 76 |
| Noninterest expense to average assets | 8.9498% | 95 |
| Loan and lease loss provision to assets | 0.7478% | 2,048 |
| Net operating income to assets | 1.3317% | 1,278 |
| Return on assets (ROA) | 1.3317% | 1,355 |
| Pretax return on assets | 1.9552% | 690 |
| Return on Equity (ROE) | 9.7649% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.2020% | 1,351 |
| Net charge-offs to loans | 0.8403% | 2,351 |
| Credit loss provision to net charge-offs | 136.9844% | 2,911 |
| Earnings coverage of net charge-offs (x) | 4.9516% | 2,886 |
| Efficiency ratio | 76.8042% | 2,796 |
| Assets per employee ($millions) | 3.2114% | 5,655 |
| Cash dividends to net income (ytd only)* | 16.0058% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 1,182 |
| Loan loss allowance to noncurrent loans | 211.0988% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 5,405 |
| Noncurrent loans to loans | 1.2398% | 4,778 |
| Net loans and leases to total assets | 66.3339% | 3,611 |
| Net loans and leases to deposits | 209.9130% | 21 |
| Net loans and leases to core deposits | 209.9130% | 81 |
| Total domestic deposits to total assets | 31.6007% | 7,697 |
| Equity capital to assets | 15.0469% | 878 |
| Core capital (leverage) ratio | 14.0649% | 907 |
| Tier 1 risk-based capital ratio | 19.4265% | 1,657 |
| Total risk-based capital ratio | 20.6896% | 1,627 |
| Memoranda: | ||
| Average total assets | $343,417,000 | 1,930 |
| Average earning assets | $319,426,000 | 1,887 |
| Average equity | $46,833,250 | 1,442 |
| Average total loans | $223,077,000 | 1,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 7,557 |
| Cost of funding earning assets | 0.2424% | 7,732 |
| Net interest margin | 3.4038% | 5,630 |
| Noninterest income to average assets | 7.3788% | 96 |
| Noninterest expense to average assets | 8.2219% | 110 |
| Loan and lease loss provision to assets | 0.7981% | 1,814 |
| Net operating income to assets | 1.0962% | 1,867 |
| Return on assets (ROA) | 1.0962% | 1,937 |
| Pretax return on assets | 1.5289% | 1,482 |
| Return on Equity (ROE) | 8.3001% | 2,762 |
| Retained earnings to average equity (ytd only) | 7.9591% | 1,454 |
| Net charge-offs to loans | 1.2525% | 1,521 |
| Credit loss provision to net charge-offs | 99.5733% | 4,125 |
| Earnings coverage of net charge-offs (x) | 2.9033% | 3,544 |
| Efficiency ratio | 77.9411% | 2,737 |
| Assets per employee ($millions) | 3.3617% | 5,283 |
| Cash dividends to net income (ytd only)* | 4.1082% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,528 |
| Loan loss allowance to noncurrent loans | 180.8977% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 5,420 |
| Noncurrent loans to loans | 1.2923% | 4,798 |
| Net loans and leases to total assets | 63.9711% | 4,271 |
| Net loans and leases to deposits | 222.0463% | 22 |
| Net loans and leases to core deposits | 222.0463% | 76 |
| Total domestic deposits to total assets | 28.8098% | 7,768 |
| Equity capital to assets | 13.9303% | 1,190 |
| Core capital (leverage) ratio | 13.9476% | 937 |
| Tier 1 risk-based capital ratio | 17.4500% | 2,118 |
| Total risk-based capital ratio | 18.7082% | 2,076 |
| Memoranda: | ||
| Average total assets | $350,842,000 | 1,907 |
| Average earning assets | $326,756,670 | 1,861 |
| Average equity | $46,337,000 | 1,452 |
| Average total loans | $224,519,000 | 1,987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 7,675 |
| Cost of funding earning assets | 0.2453% | 7,842 |
| Net interest margin | 3.3639% | 5,739 |
| Noninterest income to average assets | 6.7018% | 103 |
| Noninterest expense to average assets | 7.7644% | 130 |
| Loan and lease loss provision to assets | 0.8976% | 1,417 |
| Net operating income to assets | 0.9919% | 2,220 |
| Return on assets (ROA) | 0.9919% | 2,282 |
| Pretax return on assets | 1.1781% | 2,443 |
| Return on Equity (ROE) | 7.7109% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.7109% | 1,835 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9054% | 2,739 |
| Assets per employee ($millions) | 3.5774% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7001% | 1,086 |
| Loan loss allowance to noncurrent loans | 139.1657% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 4,739 |
| Noncurrent loans to loans | 1.9402% | 3,873 |
| Net loans and leases to total assets | 61.0998% | 4,926 |
| Net loans and leases to deposits | 229.2448% | 25 |
| Net loans and leases to core deposits | 229.2448% | 81 |
| Total domestic deposits to total assets | 26.6526% | 7,875 |
| Equity capital to assets | 13.0658% | 1,498 |
| Core capital (leverage) ratio | 11.9904% | 1,656 |
| Tier 1 risk-based capital ratio | 18.0464% | 1,934 |
| Total risk-based capital ratio | 19.3099% | 1,901 |
| Memoranda: | ||
| Average total assets | $356,499,500 | 1,923 |
| Average earning assets | $332,589,500 | 1,884 |
| Average equity | $45,857,000 | 1,469 |
| Average total loans | $225,579,500 | 2,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 7,882 |
| Cost of funding earning assets | 0.2597% | 7,920 |
| Net interest margin | 2.7230% | 7,180 |
| Noninterest income to average assets | 6.6452% | 108 |
| Noninterest expense to average assets | 6.9149% | 214 |
| Loan and lease loss provision to assets | 0.7831% | 2,779 |
| Net operating income to assets | 0.9772% | 1,919 |
| Return on assets (ROA) | 0.9772% | 1,972 |
| Pretax return on assets | 1.5126% | 1,158 |
| Return on Equity (ROE) | 9.6561% | 1,793 |
| Retained earnings to average equity (ytd only) | 8.1959% | 651 |
| Net charge-offs to loans | 0.0391% | 6,725 |
| Credit loss provision to net charge-offs | 4,156.6265% | 85 |
| Earnings coverage of net charge-offs (x) | 121.8554% | 238 |
| Efficiency ratio | 75.0752% | 3,694 |
| Assets per employee ($millions) | 3.6994% | 4,522 |
| Cash dividends to net income (ytd only)* | 15.1220% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2753% | 1,522 |
| Loan loss allowance to noncurrent loans | 123.8401% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 4,755 |
| Noncurrent loans to loans | 1.8373% | 3,875 |
| Net loans and leases to total assets | 62.3004% | 4,926 |
| Net loans and leases to deposits | 248.0120% | 22 |
| Net loans and leases to core deposits | 248.0120% | 52 |
| Total domestic deposits to total assets | 25.1199% | 7,953 |
| Equity capital to assets | 12.6631% | 1,665 |
| Core capital (leverage) ratio | 10.3961% | 2,693 |
| Tier 1 risk-based capital ratio | 16.6996% | 2,237 |
| Total risk-based capital ratio | 17.9577% | 2,200 |
| Memoranda: | ||
| Average total assets | $440,558,400 | 1,581 |
| Average earning assets | $415,063,400 | 1,523 |
| Average equity | $44,583,400 | 1,501 |
| Average total loans | $212,477,000 | 2,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8331% | 7,992 |
| Cost of funding earning assets | 0.2589% | 8,014 |
| Net interest margin | 2.5742% | 7,380 |
| Noninterest income to average assets | 6.5391% | 112 |
| Noninterest expense to average assets | 6.6632% | 230 |
| Loan and lease loss provision to assets | 0.6291% | 2,874 |
| Net operating income to assets | 1.0936% | 1,753 |
| Return on assets (ROA) | 1.0936% | 1,814 |
| Pretax return on assets | 1.6766% | 1,017 |
| Return on Equity (ROE) | 11.3619% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.7152% | 686 |
| Net charge-offs to loans | 0.0531% | 6,177 |
| Credit loss provision to net charge-offs | 2,620.4819% | 154 |
| Earnings coverage of net charge-offs (x) | 96.0516% | 367 |
| Efficiency ratio | 74.2922% | 3,821 |
| Assets per employee ($millions) | 4.3660% | 3,095 |
| Cash dividends to net income (ytd only)* | 14.4935% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 2,275 |
| Loan loss allowance to noncurrent loans | 105.1646% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 5,253 |
| Noncurrent loans to loans | 1.7116% | 4,074 |
| Net loans and leases to total assets | 52.2415% | 6,582 |
| Net loans and leases to deposits | 203.8410% | 29 |
| Net loans and leases to core deposits | 203.8410% | 94 |
| Total domestic deposits to total assets | 25.6285% | 8,034 |
| Equity capital to assets | 10.9025% | 3,112 |
| Core capital (leverage) ratio | 9.6934% | 3,651 |
| Tier 1 risk-based capital ratio | 16.4674% | 2,443 |
| Total risk-based capital ratio | 17.7197% | 2,385 |
| Memoranda: | ||
| Average total assets | $460,988,250 | 1,512 |
| Average earning assets | $435,132,500 | 1,464 |
| Average equity | $44,369,250 | 1,531 |
| Average total loans | $208,405,500 | 2,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7462% | 8,093 |
| Cost of funding earning assets | 0.2667% | 8,109 |
| Net interest margin | 2.4795% | 7,504 |
| Noninterest income to average assets | 6.8883% | 103 |
| Noninterest expense to average assets | 6.7021% | 248 |
| Loan and lease loss provision to assets | 0.5232% | 2,929 |
| Net operating income to assets | 1.3180% | 1,192 |
| Return on assets (ROA) | 1.3180% | 1,262 |
| Pretax return on assets | 2.0015% | 568 |
| Return on Equity (ROE) | 14.2346% | 954 |
| Retained earnings to average equity (ytd only) | 13.8639% | 267 |
| Net charge-offs to loans | 0.0809% | 5,398 |
| Credit loss provision to net charge-offs | 1,506.0241% | 331 |
| Earnings coverage of net charge-offs (x) | 72.6747% | 523 |
| Efficiency ratio | 72.6378% | 4,274 |
| Assets per employee ($millions) | 3.9225% | 3,830 |
| Cash dividends to net income (ytd only)* | 2.6040% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 3,594 |
| Loan loss allowance to noncurrent loans | 80.6928% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 4,883 |
| Noncurrent loans to loans | 1.7675% | 3,857 |
| Net loans and leases to total assets | 58.1862% | 5,939 |
| Net loans and leases to deposits | 221.4271% | 32 |
| Net loans and leases to core deposits | 221.4271% | 79 |
| Total domestic deposits to total assets | 26.2778% | 8,123 |
| Equity capital to assets | 13.5890% | 1,465 |
| Core capital (leverage) ratio | 9.2916% | 4,174 |
| Tier 1 risk-based capital ratio | 18.6493% | 1,852 |
| Total risk-based capital ratio | 19.8047% | 1,821 |
| Memoranda: | ||
| Average total assets | $477,850,330 | 1,489 |
| Average earning assets | $450,654,670 | 1,434 |
| Average equity | $44,244,330 | 1,544 |
| Average total loans | $205,097,330 | 2,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4434% | 8,167 |
| Cost of funding earning assets | 0.2612% | 8,167 |
| Net interest margin | 2.1822% | 7,814 |
| Noninterest income to average assets | 6.1995% | 111 |
| Noninterest expense to average assets | 5.8606% | 305 |
| Loan and lease loss provision to assets | 0.6316% | 2,001 |
| Net operating income to assets | 1.2216% | 1,594 |
| Return on assets (ROA) | 1.2216% | 1,699 |
| Pretax return on assets | 1.7685% | 1,043 |
| Return on Equity (ROE) | 15.6148% | 881 |
| Retained earnings to average equity (ytd only) | 15.6148% | 367 |
| Net charge-offs to loans | 0.1641% | 3,652 |
| Credit loss provision to net charge-offs | 1,024.0964% | 601 |
| Earnings coverage of net charge-offs (x) | 38.9157% | 871 |
| Efficiency ratio | 70.9454% | 4,386 |
| Assets per employee ($millions) | 6.0319% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.8404% | 7,701 |
| Net loans and leases to deposits | 175.8396% | 43 |
| Net loans and leases to core deposits | 175.8396% | 280 |
| Total domestic deposits to total assets | 20.9512% | 8,186 |
| Equity capital to assets | 8.5906% | 5,931 |
| Core capital (leverage) ratio | 8.4256% | 5,669 |
| Tier 1 risk-based capital ratio | 16.4691% | 2,525 |
| Total risk-based capital ratio | 17.3803% | 2,581 |
| Memoranda: | ||
| Average total assets | $538,303,500 | 1,317 |
| Average earning assets | $508,468,000 | 1,272 |
| Average equity | $42,114,000 | 1,612 |
| Average total loans | $202,297,500 | 2,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 8,029 |
| Cost of funding earning assets | 1.6285% | 7,389 |
| Net interest margin | 2.8740% | 7,204 |
| Noninterest income to average assets | 6.6782% | 99 |
| Noninterest expense to average assets | 7.1344% | 276 |
| Loan and lease loss provision to assets | 0.0424% | 6,883 |
| Net operating income to assets | 1.3171% | 1,436 |
| Return on assets (ROA) | 1.3171% | 1,391 |
| Pretax return on assets | 2.0377% | 549 |
| Return on Equity (ROE) | 12.5461% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.2207% | 300 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4254% | 3,010 |
| Assets per employee ($millions) | 5.9292% | 1,173 |
| Cash dividends to net income (ytd only)* | 10.5639% | 4,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 6,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.5085% | 7,772 |
| Net loans and leases to deposits | 252.7622% | 26 |
| Net loans and leases to core deposits | 252.7622% | 69 |
| Total domestic deposits to total assets | 14.8394% | 8,253 |
| Equity capital to assets | 7.0256% | 7,725 |
| Core capital (leverage) ratio | 7.6009% | 7,076 |
| Tier 1 risk-based capital ratio | 12.4110% | 4,498 |
| Total risk-based capital ratio | 13.0277% | 4,911 |
| Memoranda: | ||
| Average total assets | $329,879,200 | 2,025 |
| Average earning assets | $291,129,400 | 2,100 |
| Average equity | $34,632,400 | 1,962 |
| Average total loans | $162,906,600 | 2,730 |