Home > First Neighbor Bank > Performance and Condition Ratios
First Neighbor 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 | 5.6319% | 1,000 |
| Cost of funding earning assets | 1.4158% | 2,186 |
| Net interest margin | 4.2161% | 909 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 3.0697% | 1,014 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 1.4654% | 1,088 |
| Return on assets (ROA) | 1.4289% | 1,129 |
| Pretax return on assets | 1.6439% | 1,162 |
| Return on Equity (ROE) | 13.9500% | 1,497 |
| Retained earnings to average equity (ytd only) | 10.9008% | 811 |
| Net charge-offs to loans | 0.1532% | 676 |
| Credit loss provision to net charge-offs | -71.7293% | 4,468 |
| Earnings coverage of net charge-offs (x) | 13.4812% | 2,105 |
| Efficiency ratio | 65.4523% | 2,420 |
| Assets per employee ($millions) | 4.7086% | 3,830 |
| Cash dividends to net income (ytd only)* | 21.8668% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,294 |
| Loan loss allowance to noncurrent loans | 67.3143% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 227 |
| Noncurrent loans to loans | 1.7830% | 337 |
| Net loans and leases to total assets | 78.8400% | 780 |
| Net loans and leases to deposits | 95.0575% | 860 |
| Net loans and leases to core deposits | 103.6879% | 1,235 |
| Total domestic deposits to total assets | 82.9400% | 2,905 |
| Equity capital to assets | 10.2063% | 1,894 |
| Core capital (leverage) ratio | 10.4657% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $560,081,400 | 1,584 |
| Average earning assets | $515,332,400 | 1,586 |
| Average equity | $57,362,800 | 1,435 |
| Average total loans | $434,074,200 | 1,383 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 1,204 |
| Cost of funding earning assets | 1.2333% | 2,322 |
| Net interest margin | 4.1218% | 1,034 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 3.0753% | 962 |
| Loan and lease loss provision to assets | -0.3700% | 4,605 |
| Net operating income to assets | 1.6219% | 902 |
| Return on assets (ROA) | 1.6219% | 891 |
| Pretax return on assets | 1.8814% | 886 |
| Return on Equity (ROE) | 15.8200% | 1,287 |
| Retained earnings to average equity (ytd only) | 15.0029% | 553 |
| Net charge-offs to loans | 0.1298% | 622 |
| Credit loss provision to net charge-offs | -371.6707% | 4,560 |
| Earnings coverage of net charge-offs (x) | 15.1356% | 1,972 |
| Efficiency ratio | 66.7773% | 2,182 |
| Assets per employee ($millions) | 4.7201% | 3,793 |
| Cash dividends to net income (ytd only)* | 5.1698% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 2,996 |
| Loan loss allowance to noncurrent loans | 54.1186% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 177 |
| Noncurrent loans to loans | 1.9856% | 309 |
| Net loans and leases to total assets | 75.4600% | 1,183 |
| Net loans and leases to deposits | 90.9337% | 1,150 |
| Net loans and leases to core deposits | 95.3161% | 1,594 |
| Total domestic deposits to total assets | 82.9800% | 3,026 |
| Equity capital to assets | 9.9646% | 1,851 |
| Core capital (leverage) ratio | 10.7186% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $551,779,750 | 1,606 |
| Average earning assets | $507,343,000 | 1,609 |
| Average equity | $56,565,250 | 1,439 |
| Average total loans | $424,238,500 | 1,405 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 1,315 |
| Cost of funding earning assets | 0.9939% | 2,624 |
| Net interest margin | 4.1385% | 1,025 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 3.1541% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3173% | 1,521 |
| Return on assets (ROA) | 1.3173% | 1,508 |
| Pretax return on assets | 1.6090% | 1,394 |
| Return on Equity (ROE) | 12.7200% | 1,964 |
| Retained earnings to average equity (ytd only) | 11.9894% | 988 |
| Net charge-offs to loans | 0.4425% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.7154% | 2,206 |
| Efficiency ratio | 65.9375% | 2,246 |
| Assets per employee ($millions) | 4.3959% | 4,009 |
| Cash dividends to net income (ytd only)* | 5.7345% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,547 |
| Loan loss allowance to noncurrent loans | 69.6170% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.8397% | 159 |
| Noncurrent loans to loans | 2.0056% | 278 |
| Net loans and leases to total assets | 75.9200% | 1,062 |
| Net loans and leases to deposits | 88.4242% | 1,308 |
| Net loans and leases to core deposits | 94.0085% | 1,566 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 10.3064% | 1,685 |
| Core capital (leverage) ratio | 10.7064% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $537,460,667 | 1,644 |
| Average earning assets | $493,808,000 | 1,649 |
| Average equity | $55,666,000 | 1,464 |
| Average total loans | $414,430,333 | 1,417 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 1,585 |
| Cost of funding earning assets | 0.8057% | 2,713 |
| Net interest margin | 4.0123% | 1,243 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 3.1499% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2697% | 1,755 |
| Return on assets (ROA) | 1.2697% | 1,720 |
| Pretax return on assets | 1.6461% | 1,376 |
| Return on Equity (ROE) | 12.2300% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.7570% | 1,523 |
| Net charge-offs to loans | 0.2165% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.8514% | 1,675 |
| Efficiency ratio | 65.3955% | 2,286 |
| Assets per employee ($millions) | 4.3037% | 4,125 |
| Cash dividends to net income (ytd only)* | 12.0332% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,000 |
| Loan loss allowance to noncurrent loans | 61.3590% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3092% | 92 |
| Noncurrent loans to loans | 2.6115% | 180 |
| Net loans and leases to total assets | 75.3500% | 1,041 |
| Net loans and leases to deposits | 87.6479% | 1,236 |
| Net loans and leases to core deposits | 92.8057% | 1,463 |
| Total domestic deposits to total assets | 85.9600% | 2,606 |
| Equity capital to assets | 10.2781% | 1,680 |
| Core capital (leverage) ratio | 10.6098% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $531,444,500 | 1,678 |
| Average earning assets | $487,996,500 | 1,683 |
| Average equity | $55,182,500 | 1,489 |
| Average total loans | $410,113,000 | 1,448 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 1,561 |
| Cost of funding earning assets | 0.2989% | 2,887 |
| Net interest margin | 3.7616% | 1,239 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.8558% | 1,209 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.8959% | 2,977 |
| Return on assets (ROA) | 0.8975% | 2,905 |
| Pretax return on assets | 1.1385% | 2,646 |
| Return on Equity (ROE) | 8.8000% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.9702% | 2,659 |
| Net charge-offs to loans | 0.3272% | 229 |
| Credit loss provision to net charge-offs | 127.3237% | 1,424 |
| Earnings coverage of net charge-offs (x) | 6.1090% | 2,347 |
| Efficiency ratio | 66.2337% | 2,203 |
| Assets per employee ($millions) | 4.1994% | 4,203 |
| Cash dividends to net income (ytd only)* | 32.1653% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,770 |
| Loan loss allowance to noncurrent loans | 41.8316% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.4006% | 82 |
| Noncurrent loans to loans | 2.6851% | 169 |
| Net loans and leases to total assets | 76.9100% | 910 |
| Net loans and leases to deposits | 91.6700% | 931 |
| Net loans and leases to core deposits | 96.8549% | 1,156 |
| Total domestic deposits to total assets | 83.9000% | 3,227 |
| Equity capital to assets | 10.4915% | 1,453 |
| Core capital (leverage) ratio | 10.8241% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $531,030,200 | 1,656 |
| Average earning assets | $488,116,600 | 1,659 |
| Average equity | $54,152,600 | 1,520 |
| Average total loans | $381,450,200 | 1,450 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 1,470 |
| Cost of funding earning assets | 0.2716% | 2,472 |
| Net interest margin | 3.6351% | 1,308 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.8358% | 1,180 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 0.7884% | 3,307 |
| Return on assets (ROA) | 0.7884% | 3,255 |
| Pretax return on assets | 0.9959% | 3,026 |
| Return on Equity (ROE) | 7.7900% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.5499% | 2,537 |
| Net charge-offs to loans | 0.3800% | 163 |
| Credit loss provision to net charge-offs | 148.7828% | 1,132 |
| Earnings coverage of net charge-offs (x) | 5.2125% | 2,150 |
| Efficiency ratio | 66.7338% | 2,190 |
| Assets per employee ($millions) | 4.1932% | 4,224 |
| Cash dividends to net income (ytd only)* | 15.8781% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,394 |
| Loan loss allowance to noncurrent loans | 42.5194% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.5334% | 83 |
| Noncurrent loans to loans | 2.8821% | 168 |
| Net loans and leases to total assets | 75.0900% | 1,003 |
| Net loans and leases to deposits | 85.6873% | 1,193 |
| Net loans and leases to core deposits | 90.2101% | 1,281 |
| Total domestic deposits to total assets | 87.6400% | 2,540 |
| Equity capital to assets | 10.4368% | 1,405 |
| Core capital (leverage) ratio | 10.6039% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $532,557,500 | 1,668 |
| Average earning assets | $489,882,000 | 1,666 |
| Average equity | $53,922,750 | 1,536 |
| Average total loans | $374,741,500 | 1,467 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 1,472 |
| Cost of funding earning assets | 0.2652% | 2,084 |
| Net interest margin | 3.4651% | 1,406 |
| Noninterest income to average assets | 0.9374% | 775 |
| Noninterest expense to average assets | 2.8675% | 1,041 |
| Loan and lease loss provision to assets | 0.1427% | 665 |
| Net operating income to assets | 0.8763% | 2,681 |
| Return on assets (ROA) | 0.8763% | 2,658 |
| Pretax return on assets | 1.1231% | 2,329 |
| Return on Equity (ROE) | 8.7394% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.7394% | 1,365 |
| Net charge-offs to loans | 0.1000% | 587 |
| Credit loss provision to net charge-offs | 208.1081% | 950 |
| Earnings coverage of net charge-offs (x) | 18.4595% | 1,580 |
| Efficiency ratio | 69.0521% | 2,099 |
| Assets per employee ($millions) | 4.6166% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,806 |
| Loan loss allowance to noncurrent loans | 46.4910% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.1494% | 115 |
| Noncurrent loans to loans | 2.5339% | 222 |
| Net loans and leases to total assets | 70.8509% | 1,215 |
| Net loans and leases to deposits | 80.8726% | 1,323 |
| Net loans and leases to core deposits | 87.1476% | 1,262 |
| Total domestic deposits to total assets | 87.6080% | 2,729 |
| Equity capital to assets | 10.3156% | 1,528 |
| Core capital (leverage) ratio | 10.2795% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $539,555,000 | 1,655 |
| Average earning assets | $497,649,667 | 1,667 |
| Average equity | $54,100,000 | 1,578 |
| Average total loans | $370,014,667 | 1,475 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 1,567 |
| Cost of funding earning assets | 0.3065% | 1,593 |
| Net interest margin | 3.2718% | 1,641 |
| Noninterest income to average assets | 1.0253% | 653 |
| Noninterest expense to average assets | 2.8364% | 1,086 |
| Loan and lease loss provision to assets | 0.1128% | 742 |
| Net operating income to assets | 0.7631% | 2,802 |
| Return on assets (ROA) | 0.7631% | 2,793 |
| Pretax return on assets | 1.1015% | 2,139 |
| Return on Equity (ROE) | 7.7178% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.7178% | 1,667 |
| Net charge-offs to loans | 0.0229% | 1,094 |
| Credit loss provision to net charge-offs | 733.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 78.9524% | 749 |
| Efficiency ratio | 69.6981% | 2,275 |
| Assets per employee ($millions) | 4.3966% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,852 |
| Loan loss allowance to noncurrent loans | 47.6382% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 2.0359% | 138 |
| Noncurrent loans to loans | 2.5218% | 240 |
| Net loans and leases to total assets | 67.1102% | 1,299 |
| Net loans and leases to deposits | 76.2380% | 1,424 |
| Net loans and leases to core deposits | 82.4358% | 1,327 |
| Total domestic deposits to total assets | 88.0273% | 2,511 |
| Equity capital to assets | 10.0532% | 1,852 |
| Core capital (leverage) ratio | 9.3772% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $546,187,500 | 1,646 |
| Average earning assets | $505,035,500 | 1,657 |
| Average equity | $54,005,000 | 1,624 |
| Average total loans | $366,359,000 | 1,473 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 2,384 |
| Cost of funding earning assets | 0.3734% | 1,730 |
| Net interest margin | 3.2284% | 2,523 |
| Noninterest income to average assets | 1.1880% | 751 |
| Noninterest expense to average assets | 2.8306% | 1,287 |
| Loan and lease loss provision to assets | 0.3268% | 234 |
| Net operating income to assets | 0.7018% | 3,624 |
| Return on assets (ROA) | 0.7027% | 3,676 |
| Pretax return on assets | 1.0243% | 3,190 |
| Return on Equity (ROE) | 6.9071% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.7094% | 3,336 |
| Net charge-offs to loans | 0.5915% | 138 |
| Credit loss provision to net charge-offs | 80.8276% | 1,947 |
| Earnings coverage of net charge-offs (x) | 3.3389% | 2,550 |
| Efficiency ratio | 67.4508% | 2,061 |
| Assets per employee ($millions) | 4.5573% | 4,070 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,120 |
| Loan loss allowance to noncurrent loans | 48.4088% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 171 |
| Noncurrent loans to loans | 2.3799% | 289 |
| Net loans and leases to total assets | 65.4918% | 1,532 |
| Net loans and leases to deposits | 80.4036% | 1,182 |
| Net loans and leases to core deposits | 87.6009% | 1,102 |
| Total domestic deposits to total assets | 81.4538% | 4,046 |
| Equity capital to assets | 9.7279% | 2,914 |
| Core capital (leverage) ratio | 9.4090% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,945,800 | 1,605 |
| Average earning assets | $498,634,000 | 1,609 |
| Average equity | $54,726,200 | 1,638 |
| Average total loans | $367,680,000 | 1,468 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 2,492 |
| Cost of funding earning assets | 0.3983% | 1,705 |
| Net interest margin | 3.2243% | 2,652 |
| Noninterest income to average assets | 1.3157% | 681 |
| Noninterest expense to average assets | 2.8739% | 1,180 |
| Loan and lease loss provision to assets | 0.0577% | 1,837 |
| Net operating income to assets | 0.9473% | 3,092 |
| Return on assets (ROA) | 0.9473% | 3,171 |
| Pretax return on assets | 1.3727% | 2,429 |
| Return on Equity (ROE) | 9.2067% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.3565% | 1,928 |
| Net charge-offs to loans | 0.1092% | 698 |
| Credit loss provision to net charge-offs | 76.7442% | 1,727 |
| Earnings coverage of net charge-offs (x) | 19.0133% | 1,770 |
| Efficiency ratio | 66.5118% | 2,029 |
| Assets per employee ($millions) | 4.4256% | 4,175 |
| Cash dividends to net income (ytd only)* | 9.2348% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,562 |
| Loan loss allowance to noncurrent loans | 38.7969% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.5088% | 122 |
| Noncurrent loans to loans | 3.3151% | 177 |
| Net loans and leases to total assets | 64.7446% | 1,686 |
| Net loans and leases to deposits | 80.5962% | 1,232 |
| Net loans and leases to core deposits | 87.8936% | 1,156 |
| Total domestic deposits to total assets | 80.3321% | 4,186 |
| Equity capital to assets | 10.3710% | 2,554 |
| Core capital (leverage) ratio | 9.9069% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,434,750 | 1,626 |
| Average earning assets | $494,434,750 | 1,633 |
| Average equity | $54,886,250 | 1,658 |
| Average total loans | $367,507,000 | 1,492 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 2,492 |
| Cost of funding earning assets | 0.4234% | 1,713 |
| Net interest margin | 3.2197% | 2,696 |
| Noninterest income to average assets | 1.6282% | 464 |
| Noninterest expense to average assets | 2.8887% | 1,165 |
| Loan and lease loss provision to assets | 0.0581% | 1,870 |
| Net operating income to assets | 1.1529% | 2,355 |
| Return on assets (ROA) | 1.1529% | 2,415 |
| Pretax return on assets | 1.6723% | 1,553 |
| Return on Equity (ROE) | 11.2355% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.9479% | 1,410 |
| Net charge-offs to loans | 0.0162% | 1,624 |
| Credit loss provision to net charge-offs | 513.3333% | 672 |
| Earnings coverage of net charge-offs (x) | 152.8000% | 585 |
| Efficiency ratio | 62.2998% | 2,688 |
| Assets per employee ($millions) | 4.4305% | 4,156 |
| Cash dividends to net income (ytd only)* | 11.4604% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,416 |
| Loan loss allowance to noncurrent loans | 32.8033% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.6903% | 114 |
| Noncurrent loans to loans | 3.9772% | 141 |
| Net loans and leases to total assets | 66.4385% | 1,642 |
| Net loans and leases to deposits | 82.8951% | 1,136 |
| Net loans and leases to core deposits | 90.9113% | 1,074 |
| Total domestic deposits to total assets | 80.1476% | 4,218 |
| Equity capital to assets | 10.2152% | 2,655 |
| Core capital (leverage) ratio | 9.7899% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,795,000 | 1,624 |
| Average earning assets | $492,161,000 | 1,629 |
| Average equity | $54,363,333 | 1,657 |
| Average total loans | $370,998,667 | 1,481 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 2,134 |
| Cost of funding earning assets | 0.4644% | 1,626 |
| Net interest margin | 3.3241% | 2,315 |
| Noninterest income to average assets | 1.8950% | 410 |
| Noninterest expense to average assets | 2.8096% | 1,350 |
| Loan and lease loss provision to assets | 0.1180% | 1,158 |
| Net operating income to assets | 1.4607% | 1,419 |
| Return on assets (ROA) | 1.4607% | 1,480 |
| Pretax return on assets | 2.0543% | 866 |
| Return on Equity (ROE) | 14.2019% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.5954% | 1,252 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1808% | 3,523 |
| Assets per employee ($millions) | 4.3699% | 4,219 |
| Cash dividends to net income (ytd only)* | 18.3534% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,505 |
| Loan loss allowance to noncurrent loans | 33.2138% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.6891% | 134 |
| Noncurrent loans to loans | 3.8673% | 147 |
| Net loans and leases to total assets | 68.3054% | 1,491 |
| Net loans and leases to deposits | 85.0368% | 1,045 |
| Net loans and leases to core deposits | 93.1527% | 1,034 |
| Total domestic deposits to total assets | 80.3245% | 4,156 |
| Equity capital to assets | 10.0502% | 2,661 |
| Core capital (leverage) ratio | 9.8968% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $522,217,000 | 1,628 |
| Average earning assets | $484,944,000 | 1,633 |
| Average equity | $53,711,000 | 1,662 |
| Average total loans | $373,076,500 | 1,482 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 1,562 |
| Cost of funding earning assets | 0.8339% | 1,078 |
| Net interest margin | 3.5755% | 2,230 |
| Noninterest income to average assets | 0.9858% | 1,071 |
| Noninterest expense to average assets | 2.8144% | 1,905 |
| Loan and lease loss provision to assets | 0.3194% | 1,153 |
| Net operating income to assets | 0.7824% | 3,164 |
| Return on assets (ROA) | 0.7843% | 3,277 |
| Pretax return on assets | 1.1789% | 2,404 |
| Return on Equity (ROE) | 7.3783% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.6613% | 1,965 |
| Net charge-offs to loans | 0.1696% | 981 |
| Credit loss provision to net charge-offs | 246.2264% | 1,954 |
| Earnings coverage of net charge-offs (x) | 11.5330% | 2,396 |
| Efficiency ratio | 65.0880% | 2,664 |
| Assets per employee ($millions) | 4.1204% | 4,273 |
| Cash dividends to net income (ytd only)* | 23.2709% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,638 |
| Loan loss allowance to noncurrent loans | 37.0824% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.5232% | 178 |
| Noncurrent loans to loans | 3.3867% | 222 |
| Net loans and leases to total assets | 72.9191% | 1,169 |
| Net loans and leases to deposits | 91.5890% | 809 |
| Net loans and leases to core deposits | 101.2602% | 846 |
| Total domestic deposits to total assets | 79.6155% | 4,118 |
| Equity capital to assets | 10.5589% | 2,620 |
| Core capital (leverage) ratio | 10.2133% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7909% | 2,702 |
| Memoranda: | ||
| Average total assets | $490,363,000 | 1,583 |
| Average earning assets | $455,934,400 | 1,578 |
| Average equity | $52,125,800 | 1,625 |
| Average total loans | $375,068,800 | 1,431 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 1,465 |
| Cost of funding earning assets | 0.8873% | 1,108 |
| Net interest margin | 3.6581% | 2,075 |
| Noninterest income to average assets | 1.0523% | 941 |
| Noninterest expense to average assets | 2.8440% | 1,836 |
| Loan and lease loss provision to assets | 0.4074% | 850 |
| Net operating income to assets | 0.8017% | 3,082 |
| Return on assets (ROA) | 0.8017% | 3,200 |
| Pretax return on assets | 1.2067% | 2,369 |
| Return on Equity (ROE) | 7.5289% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.7302% | 2,222 |
| Net charge-offs to loans | 0.1507% | 971 |
| Credit loss provision to net charge-offs | 350.3529% | 1,607 |
| Earnings coverage of net charge-offs (x) | 13.8800% | 2,177 |
| Efficiency ratio | 63.5917% | 2,801 |
| Assets per employee ($millions) | 4.2382% | 4,106 |
| Cash dividends to net income (ytd only)* | 23.8908% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,346 |
| Loan loss allowance to noncurrent loans | 39.7942% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.5286% | 212 |
| Noncurrent loans to loans | 3.1698% | 281 |
| Net loans and leases to total assets | 73.8168% | 1,392 |
| Net loans and leases to deposits | 94.3292% | 897 |
| Net loans and leases to core deposits | 104.7577% | 894 |
| Total domestic deposits to total assets | 78.2544% | 4,158 |
| Equity capital to assets | 10.4685% | 2,819 |
| Core capital (leverage) ratio | 10.0080% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1860% | 2,541 |
| Memoranda: | ||
| Average total assets | $487,282,250 | 1,565 |
| Average earning assets | $453,672,250 | 1,561 |
| Average equity | $51,887,750 | 1,622 |
| Average total loans | $376,032,000 | 1,426 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,497 |
| Cost of funding earning assets | 0.9621% | 1,098 |
| Net interest margin | 3.7012% | 2,158 |
| Noninterest income to average assets | 1.2324% | 665 |
| Noninterest expense to average assets | 2.8439% | 1,990 |
| Loan and lease loss provision to assets | 0.5352% | 638 |
| Net operating income to assets | 0.9059% | 2,666 |
| Return on assets (ROA) | 0.9059% | 2,791 |
| Pretax return on assets | 1.2999% | 2,030 |
| Return on Equity (ROE) | 8.4570% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.7352% | 2,180 |
| Net charge-offs to loans | 0.0966% | 1,303 |
| Credit loss provision to net charge-offs | 709.9448% | 995 |
| Earnings coverage of net charge-offs (x) | 24.3425% | 1,582 |
| Efficiency ratio | 60.5839% | 3,328 |
| Assets per employee ($millions) | 4.4267% | 3,880 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,318 |
| Loan loss allowance to noncurrent loans | 79.3177% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 708 |
| Noncurrent loans to loans | 1.5604% | 957 |
| Net loans and leases to total assets | 75.1501% | 1,254 |
| Net loans and leases to deposits | 93.8604% | 975 |
| Net loans and leases to core deposits | 105.7314% | 900 |
| Total domestic deposits to total assets | 80.0659% | 3,821 |
| Equity capital to assets | 10.2159% | 2,999 |
| Core capital (leverage) ratio | 9.9529% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1874% | 2,531 |
| Memoranda: | ||
| Average total assets | $480,182,333 | 1,556 |
| Average earning assets | $447,150,333 | 1,551 |
| Average equity | $51,436,667 | 1,627 |
| Average total loans | $374,637,667 | 1,417 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 1,146 |
| Cost of funding earning assets | 1.0511% | 1,216 |
| Net interest margin | 3.8692% | 1,760 |
| Noninterest income to average assets | 0.9458% | 966 |
| Noninterest expense to average assets | 2.9280% | 2,050 |
| Loan and lease loss provision to assets | 0.1993% | 1,521 |
| Net operating income to assets | 1.0088% | 2,149 |
| Return on assets (ROA) | 1.0088% | 2,252 |
| Pretax return on assets | 1.4144% | 1,513 |
| Return on Equity (ROE) | 9.1820% | 2,034 |
| Retained earnings to average equity (ytd only) | 6.4329% | 1,736 |
| Net charge-offs to loans | 0.1233% | 968 |
| Credit loss provision to net charge-offs | 204.4248% | 1,402 |
| Earnings coverage of net charge-offs (x) | 16.5487% | 1,523 |
| Efficiency ratio | 64.2599% | 3,196 |
| Assets per employee ($millions) | 4.1598% | 3,707 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,461 |
| Loan loss allowance to noncurrent loans | 65.6101% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 757 |
| Noncurrent loans to loans | 1.5953% | 982 |
| Net loans and leases to total assets | 76.7566% | 1,176 |
| Net loans and leases to deposits | 97.9149% | 725 |
| Net loans and leases to core deposits | 112.0310% | 754 |
| Total domestic deposits to total assets | 78.3911% | 4,159 |
| Equity capital to assets | 10.8293% | 3,018 |
| Core capital (leverage) ratio | 10.6638% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9697% | 2,716 |
| Memoranda: | ||
| Average total assets | $463,527,500 | 1,557 |
| Average earning assets | $430,789,000 | 1,550 |
| Average equity | $50,926,000 | 1,636 |
| Average total loans | $366,593,500 | 1,398 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 1,273 |
| Cost of funding earning assets | 1.2351% | 936 |
| Net interest margin | 3.8393% | 2,372 |
| Noninterest income to average assets | 0.8513% | 1,295 |
| Noninterest expense to average assets | 2.9244% | 2,223 |
| Loan and lease loss provision to assets | 0.2925% | 579 |
| Net operating income to assets | 0.8961% | 3,221 |
| Return on assets (ROA) | 0.8934% | 3,315 |
| Pretax return on assets | 1.2047% | 2,829 |
| Return on Equity (ROE) | 7.7852% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.0518% | 2,387 |
| Net charge-offs to loans | 0.1945% | 1,041 |
| Credit loss provision to net charge-offs | 191.0470% | 1,382 |
| Earnings coverage of net charge-offs (x) | 9.8012% | 2,631 |
| Efficiency ratio | 65.8546% | 2,796 |
| Assets per employee ($millions) | 4.1545% | 3,691 |
| Cash dividends to net income (ytd only)* | 35.1105% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,372 |
| Loan loss allowance to noncurrent loans | 164.1161% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 1,859 |
| Noncurrent loans to loans | 0.6224% | 2,332 |
| Net loans and leases to total assets | 79.8546% | 811 |
| Net loans and leases to deposits | 98.5459% | 712 |
| Net loans and leases to core deposits | 113.1883% | 705 |
| Total domestic deposits to total assets | 81.0329% | 3,764 |
| Equity capital to assets | 11.1514% | 2,854 |
| Core capital (leverage) ratio | 10.7611% | 2,710 |
| Tier 1 risk-based capital ratio | 12.0057% | 4,362 |
| Total risk-based capital ratio | 12.9284% | 4,423 |
| Memoranda: | ||
| Average total assets | $430,383,000 | 1,627 |
| Average earning assets | $400,618,800 | 1,624 |
| Average equity | $49,388,400 | 1,618 |
| Average total loans | $338,731,000 | 1,463 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,471 |
| Cost of funding earning assets | 1.2134% | 1,003 |
| Net interest margin | 3.8141% | 2,548 |
| Noninterest income to average assets | 0.8334% | 1,321 |
| Noninterest expense to average assets | 2.9399% | 2,127 |
| Loan and lease loss provision to assets | 0.2131% | 813 |
| Net operating income to assets | 0.9358% | 3,214 |
| Return on assets (ROA) | 0.9304% | 3,308 |
| Pretax return on assets | 1.2273% | 2,892 |
| Return on Equity (ROE) | 8.0469% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.9248% | 2,929 |
| Net charge-offs to loans | 0.0638% | 1,907 |
| Credit loss provision to net charge-offs | 427.0440% | 721 |
| Earnings coverage of net charge-offs (x) | 29.0007% | 1,659 |
| Efficiency ratio | 66.7740% | 2,624 |
| Assets per employee ($millions) | 4.0157% | 3,885 |
| Cash dividends to net income (ytd only)* | 38.7991% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,359 |
| Loan loss allowance to noncurrent loans | 157.4138% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,842 |
| Noncurrent loans to loans | 0.6588% | 2,310 |
| Net loans and leases to total assets | 79.6136% | 899 |
| Net loans and leases to deposits | 100.8850% | 576 |
| Net loans and leases to core deposits | 114.9140% | 706 |
| Total domestic deposits to total assets | 78.9152% | 4,202 |
| Equity capital to assets | 11.5265% | 2,643 |
| Core capital (leverage) ratio | 11.1734% | 2,491 |
| Tier 1 risk-based capital ratio | 12.4671% | 4,164 |
| Total risk-based capital ratio | 13.4064% | 4,224 |
| Memoranda: | ||
| Average total assets | $424,768,250 | 1,655 |
| Average earning assets | $395,780,500 | 1,654 |
| Average equity | $49,111,000 | 1,633 |
| Average total loans | $332,077,000 | 1,494 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 1,643 |
| Cost of funding earning assets | 1.1990% | 1,001 |
| Net interest margin | 3.7391% | 2,794 |
| Noninterest income to average assets | 0.8805% | 1,120 |
| Noninterest expense to average assets | 2.9630% | 2,101 |
| Loan and lease loss provision to assets | 0.1841% | 968 |
| Net operating income to assets | 0.8836% | 3,345 |
| Return on assets (ROA) | 0.8757% | 3,446 |
| Pretax return on assets | 1.2125% | 2,873 |
| Return on Equity (ROE) | 7.5662% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,312 |
| Net charge-offs to loans | 0.0215% | 2,416 |
| Credit loss provision to net charge-offs | 1,105.7143% | 316 |
| Earnings coverage of net charge-offs (x) | 84.4857% | 783 |
| Efficiency ratio | 67.5702% | 2,602 |
| Assets per employee ($millions) | 3.8493% | 4,064 |
| Cash dividends to net income (ytd only)* | 48.8865% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,586 |
| Loan loss allowance to noncurrent loans | 131.7700% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,013 |
| Noncurrent loans to loans | 0.7635% | 2,073 |
| Net loans and leases to total assets | 80.9658% | 736 |
| Net loans and leases to deposits | 100.1089% | 673 |
| Net loans and leases to core deposits | 113.1937% | 810 |
| Total domestic deposits to total assets | 80.8777% | 3,852 |
| Equity capital to assets | 11.6886% | 2,455 |
| Core capital (leverage) ratio | 11.2142% | 2,410 |
| Tier 1 risk-based capital ratio | 12.5780% | 4,088 |
| Total risk-based capital ratio | 13.4999% | 4,136 |
| Memoranda: | ||
| Average total assets | $420,453,330 | 1,679 |
| Average earning assets | $392,337,330 | 1,667 |
| Average equity | $48,663,670 | 1,638 |
| Average total loans | $325,392,330 | 1,535 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 1,889 |
| Cost of funding earning assets | 1.1445% | 1,058 |
| Net interest margin | 3.6585% | 3,048 |
| Noninterest income to average assets | 1.0111% | 782 |
| Noninterest expense to average assets | 2.9119% | 2,242 |
| Loan and lease loss provision to assets | 0.1146% | 1,542 |
| Net operating income to assets | 1.0144% | 2,790 |
| Return on assets (ROA) | 1.0053% | 2,862 |
| Pretax return on assets | 1.3882% | 2,130 |
| Return on Equity (ROE) | 8.7297% | 2,932 |
| Retained earnings to average equity (ytd only) | 1.2684% | 4,262 |
| Net charge-offs to loans | 0.0470% | 1,606 |
| Credit loss provision to net charge-offs | 324.3243% | 783 |
| Earnings coverage of net charge-offs (x) | 42.8649% | 1,109 |
| Efficiency ratio | 65.5522% | 3,003 |
| Assets per employee ($millions) | 3.9381% | 4,015 |
| Cash dividends to net income (ytd only)* | 85.4701% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,640 |
| Loan loss allowance to noncurrent loans | 137.8645% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 2,218 |
| Noncurrent loans to loans | 0.7311% | 2,195 |
| Net loans and leases to total assets | 74.9375% | 1,653 |
| Net loans and leases to deposits | 92.3341% | 1,365 |
| Net loans and leases to core deposits | 107.7107% | 1,067 |
| Total domestic deposits to total assets | 81.1591% | 3,938 |
| Equity capital to assets | 11.5080% | 2,391 |
| Core capital (leverage) ratio | 11.1899% | 2,398 |
| Tier 1 risk-based capital ratio | 13.1597% | 3,797 |
| Total risk-based capital ratio | 14.0659% | 3,869 |
| Memoranda: | ||
| Average total assets | $418,966,000 | 1,692 |
| Average earning assets | $391,084,500 | 1,674 |
| Average equity | $48,249,000 | 1,631 |
| Average total loans | $314,930,500 | 1,574 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 1,641 |
| Cost of funding earning assets | 0.6288% | 2,532 |
| Net interest margin | 4.1318% | 1,583 |
| Noninterest income to average assets | 1.0609% | 830 |
| Noninterest expense to average assets | 3.0285% | 1,987 |
| Loan and lease loss provision to assets | 0.2404% | 729 |
| Net operating income to assets | 1.1813% | 2,262 |
| Return on assets (ROA) | 1.1783% | 2,270 |
| Pretax return on assets | 1.6209% | 1,401 |
| Return on Equity (ROE) | 9.3552% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.9531% | 1,256 |
| Net charge-offs to loans | 0.0274% | 2,863 |
| Credit loss provision to net charge-offs | 1,149.3506% | 344 |
| Earnings coverage of net charge-offs (x) | 89.1558% | 798 |
| Efficiency ratio | 61.6422% | 3,599 |
| Assets per employee ($millions) | 3.9672% | 3,937 |
| Cash dividends to net income (ytd only)* | 14.9873% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,632 |
| Loan loss allowance to noncurrent loans | 121.8677% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 2,011 |
| Noncurrent loans to loans | 0.8267% | 1,946 |
| Net loans and leases to total assets | 73.8785% | 1,957 |
| Net loans and leases to deposits | 91.0179% | 1,666 |
| Net loans and leases to core deposits | 107.5200% | 1,157 |
| Total domestic deposits to total assets | 81.1692% | 3,853 |
| Equity capital to assets | 11.5245% | 2,241 |
| Core capital (leverage) ratio | 12.6302% | 1,399 |
| Tier 1 risk-based capital ratio | 13.3803% | 3,619 |
| Total risk-based capital ratio | 14.2846% | 3,721 |
| Memoranda: | ||
| Average total assets | $368,069,200 | 1,838 |
| Average earning assets | $341,421,800 | 1,843 |
| Average equity | $46,359,200 | 1,617 |
| Average total loans | $281,523,800 | 1,670 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 1,229 |
| Cost of funding earning assets | 0.6039% | 2,444 |
| Net interest margin | 4.2693% | 1,185 |
| Noninterest income to average assets | 1.1054% | 774 |
| Noninterest expense to average assets | 3.0876% | 1,791 |
| Loan and lease loss provision to assets | 0.1723% | 1,073 |
| Net operating income to assets | 1.3073% | 1,829 |
| Return on assets (ROA) | 1.3073% | 1,833 |
| Pretax return on assets | 1.7987% | 1,016 |
| Return on Equity (ROE) | 10.1273% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.1116% | 1,177 |
| Net charge-offs to loans | 0.0068% | 3,189 |
| Credit loss provision to net charge-offs | 3,285.7143% | 130 |
| Earnings coverage of net charge-offs (x) | 375.7804% | 252 |
| Efficiency ratio | 60.7923% | 3,688 |
| Assets per employee ($millions) | 3.7006% | 4,306 |
| Cash dividends to net income (ytd only)* | 10.0288% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,869 |
| Loan loss allowance to noncurrent loans | 105.6445% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 1,936 |
| Noncurrent loans to loans | 0.9313% | 1,830 |
| Net loans and leases to total assets | 77.6597% | 1,391 |
| Net loans and leases to deposits | 90.4969% | 1,824 |
| Net loans and leases to core deposits | 104.0129% | 1,452 |
| Total domestic deposits to total assets | 85.8147% | 2,276 |
| Equity capital to assets | 13.2415% | 1,234 |
| Core capital (leverage) ratio | 12.8748% | 1,337 |
| Tier 1 risk-based capital ratio | 15.1622% | 2,810 |
| Total risk-based capital ratio | 16.0745% | 2,879 |
| Memoranda: | ||
| Average total assets | $355,947,250 | 1,902 |
| Average earning assets | $329,601,500 | 1,901 |
| Average equity | $45,947,500 | 1,635 |
| Average total loans | $274,185,250 | 1,707 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 1,055 |
| Cost of funding earning assets | 0.5602% | 2,514 |
| Net interest margin | 4.3252% | 992 |
| Noninterest income to average assets | 1.1765% | 690 |
| Noninterest expense to average assets | 3.0799% | 1,835 |
| Loan and lease loss provision to assets | 0.1803% | 998 |
| Net operating income to assets | 1.3974% | 1,455 |
| Return on assets (ROA) | 1.3974% | 1,455 |
| Pretax return on assets | 1.9231% | 727 |
| Return on Equity (ROE) | 10.9204% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.3792% | 1,098 |
| Net charge-offs to loans | 0.0118% | 2,736 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 233.3125% | 379 |
| Efficiency ratio | 59.1803% | 4,056 |
| Assets per employee ($millions) | 3.6400% | 4,412 |
| Cash dividends to net income (ytd only)* | 14.1129% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,127 |
| Loan loss allowance to noncurrent loans | 111.2146% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 2,155 |
| Noncurrent loans to loans | 0.8518% | 2,015 |
| Net loans and leases to total assets | 75.4865% | 1,717 |
| Net loans and leases to deposits | 87.4016% | 2,172 |
| Net loans and leases to core deposits | 98.6012% | 1,848 |
| Total domestic deposits to total assets | 86.3675% | 2,112 |
| Equity capital to assets | 12.7979% | 1,395 |
| Core capital (leverage) ratio | 12.9655% | 1,232 |
| Tier 1 risk-based capital ratio | 14.9671% | 2,891 |
| Total risk-based capital ratio | 15.8441% | 2,989 |
| Memoranda: | ||
| Average total assets | $354,944,330 | 1,912 |
| Average earning assets | $328,818,330 | 1,913 |
| Average equity | $45,419,670 | 1,659 |
| Average total loans | $271,735,670 | 1,726 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 2,032 |
| Cost of funding earning assets | 0.5524% | 2,387 |
| Net interest margin | 3.8942% | 2,065 |
| Noninterest income to average assets | 1.2967% | 549 |
| Noninterest expense to average assets | 3.1220% | 1,765 |
| Loan and lease loss provision to assets | 0.1712% | 1,027 |
| Net operating income to assets | 1.1712% | 2,129 |
| Return on assets (ROA) | 1.1712% | 2,141 |
| Pretax return on assets | 1.6084% | 1,373 |
| Return on Equity (ROE) | 9.1532% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.0307% | 2,698 |
| Net charge-offs to loans | 0.0030% | 2,631 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 779.5000% | 85 |
| Efficiency ratio | 63.4374% | 3,570 |
| Assets per employee ($millions) | 3.4695% | 4,697 |
| Cash dividends to net income (ytd only)* | 34.1131% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,358 |
| Loan loss allowance to noncurrent loans | 35.2589% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.0581% | 540 |
| Noncurrent loans to loans | 2.6075% | 505 |
| Net loans and leases to total assets | 76.0263% | 1,542 |
| Net loans and leases to deposits | 87.9993% | 1,929 |
| Net loans and leases to core deposits | 100.7545% | 1,633 |
| Total domestic deposits to total assets | 86.3942% | 2,363 |
| Equity capital to assets | 12.8764% | 1,307 |
| Core capital (leverage) ratio | 12.5104% | 1,385 |
| Tier 1 risk-based capital ratio | 14.7928% | 2,983 |
| Total risk-based capital ratio | 15.6366% | 3,095 |
| Memoranda: | ||
| Average total assets | $350,414,500 | 1,952 |
| Average earning assets | $324,383,500 | 1,945 |
| Average equity | $44,837,000 | 1,680 |
| Average total loans | $268,902,500 | 1,747 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 1,955 |
| Cost of funding earning assets | 0.4870% | 2,445 |
| Net interest margin | 3.9393% | 1,956 |
| Noninterest income to average assets | 1.0864% | 862 |
| Noninterest expense to average assets | 3.2259% | 1,551 |
| Loan and lease loss provision to assets | 0.1372% | 1,667 |
| Net operating income to assets | 0.8561% | 2,927 |
| Return on assets (ROA) | 0.8561% | 2,948 |
| Pretax return on assets | 1.3597% | 2,127 |
| Return on Equity (ROE) | 6.5555% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.2992% | 1,931 |
| Net charge-offs to loans | 0.0201% | 3,435 |
| Credit loss provision to net charge-offs | 884.6154% | 399 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 664 |
| Efficiency ratio | 68.1657% | 2,863 |
| Assets per employee ($millions) | 3.3373% | 4,900 |
| Cash dividends to net income (ytd only)* | 19.1638% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 4,615 |
| Loan loss allowance to noncurrent loans | 31.2534% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 2.1857% | 480 |
| Noncurrent loans to loans | 2.7651% | 439 |
| Net loans and leases to total assets | 76.0819% | 1,576 |
| Net loans and leases to deposits | 87.8436% | 2,037 |
| Net loans and leases to core deposits | 101.1293% | 1,623 |
| Total domestic deposits to total assets | 86.6106% | 2,183 |
| Equity capital to assets | 12.7145% | 1,397 |
| Core capital (leverage) ratio | 12.2206% | 1,488 |
| Tier 1 risk-based capital ratio | 14.5122% | 3,086 |
| Total risk-based capital ratio | 15.3002% | 3,231 |
| Memoranda: | ||
| Average total assets | $335,223,600 | 1,981 |
| Average earning assets | $309,446,000 | 1,994 |
| Average equity | $43,779,800 | 1,697 |
| Average total loans | $259,022,400 | 1,764 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 1,944 |
| Cost of funding earning assets | 0.4655% | 2,568 |
| Net interest margin | 3.9418% | 1,887 |
| Noninterest income to average assets | 1.1493% | 767 |
| Noninterest expense to average assets | 3.2730% | 1,403 |
| Loan and lease loss provision to assets | 0.1368% | 1,570 |
| Net operating income to assets | 0.8649% | 3,203 |
| Return on assets (ROA) | 0.8649% | 3,252 |
| Pretax return on assets | 1.3742% | 2,199 |
| Return on Equity (ROE) | 6.5768% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,535 |
| Net charge-offs to loans | -0.0322% | 5,021 |
| Credit loss provision to net charge-offs | -548.3871% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3064% | 2,819 |
| Assets per employee ($millions) | 3.3263% | 4,947 |
| Cash dividends to net income (ytd only)* | 16.2792% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,637 |
| Loan loss allowance to noncurrent loans | 30.4239% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 2.2591% | 522 |
| Noncurrent loans to loans | 2.9018% | 457 |
| Net loans and leases to total assets | 75.2273% | 1,721 |
| Net loans and leases to deposits | 87.2205% | 2,153 |
| Net loans and leases to core deposits | 101.7644% | 1,562 |
| Total domestic deposits to total assets | 86.2495% | 2,209 |
| Equity capital to assets | 12.7283% | 1,530 |
| Core capital (leverage) ratio | 12.4477% | 1,439 |
| Tier 1 risk-based capital ratio | 14.7348% | 3,044 |
| Total risk-based capital ratio | 15.5470% | 3,203 |
| Memoranda: | ||
| Average total assets | $331,426,500 | 2,012 |
| Average earning assets | $305,603,250 | 2,027 |
| Average equity | $43,586,500 | 1,719 |
| Average total loans | $256,547,000 | 1,789 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,793 |
| Cost of funding earning assets | 0.4381% | 2,715 |
| Net interest margin | 3.9696% | 1,713 |
| Noninterest income to average assets | 1.2627% | 648 |
| Noninterest expense to average assets | 3.2934% | 1,383 |
| Loan and lease loss provision to assets | 0.1347% | 1,545 |
| Net operating income to assets | 0.9437% | 2,697 |
| Return on assets (ROA) | 0.9437% | 2,755 |
| Pretax return on assets | 1.4912% | 1,684 |
| Return on Equity (ROE) | 7.0952% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.4837% | 2,418 |
| Net charge-offs to loans | -0.0581% | 5,242 |
| Credit loss provision to net charge-offs | -297.2973% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8368% | 3,208 |
| Assets per employee ($millions) | 3.0673% | 5,213 |
| Cash dividends to net income (ytd only)* | 22.7125% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,814 |
| Loan loss allowance to noncurrent loans | 29.0981% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.3611% | 486 |
| Noncurrent loans to loans | 2.9232% | 450 |
| Net loans and leases to total assets | 78.4907% | 1,166 |
| Net loans and leases to deposits | 91.5502% | 1,553 |
| Net loans and leases to core deposits | 102.9029% | 1,442 |
| Total domestic deposits to total assets | 85.7351% | 2,509 |
| Equity capital to assets | 13.4450% | 1,169 |
| Core capital (leverage) ratio | 12.8967% | 1,215 |
| Tier 1 risk-based capital ratio | 15.1125% | 2,879 |
| Total risk-based capital ratio | 15.9059% | 3,006 |
| Memoranda: | ||
| Average total assets | $326,589,670 | 2,042 |
| Average earning assets | $300,837,330 | 2,050 |
| Average equity | $43,438,000 | 1,719 |
| Average total loans | $254,543,670 | 1,797 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 1,396 |
| Cost of funding earning assets | 0.4229% | 2,788 |
| Net interest margin | 4.0676% | 1,307 |
| Noninterest income to average assets | 1.3555% | 570 |
| Noninterest expense to average assets | 3.2966% | 1,397 |
| Loan and lease loss provision to assets | 0.1105% | 1,731 |
| Net operating income to assets | 1.0670% | 2,002 |
| Return on assets (ROA) | 1.0670% | 2,045 |
| Pretax return on assets | 1.6919% | 1,029 |
| Return on Equity (ROE) | 8.0661% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.8174% | 3,002 |
| Net charge-offs to loans | -0.1318% | 5,526 |
| Credit loss provision to net charge-offs | -108.4337% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5557% | 3,739 |
| Assets per employee ($millions) | 3.2974% | 5,045 |
| Cash dividends to net income (ytd only)* | 40.2762% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,971 |
| Loan loss allowance to noncurrent loans | 26.3663% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.6276% | 418 |
| Noncurrent loans to loans | 3.1620% | 411 |
| Net loans and leases to total assets | 74.6090% | 1,647 |
| Net loans and leases to deposits | 86.6229% | 1,964 |
| Net loans and leases to core deposits | 96.9451% | 1,751 |
| Total domestic deposits to total assets | 86.1308% | 2,613 |
| Equity capital to assets | 13.0261% | 1,245 |
| Core capital (leverage) ratio | 12.7390% | 1,237 |
| Tier 1 risk-based capital ratio | 15.0299% | 2,952 |
| Total risk-based capital ratio | 15.7888% | 3,110 |
| Memoranda: | ||
| Average total assets | $325,786,000 | 2,061 |
| Average earning assets | $299,832,500 | 2,070 |
| Average equity | $43,094,000 | 1,734 |
| Average total loans | $251,908,500 | 1,826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 1,836 |
| Cost of funding earning assets | 0.4306% | 2,699 |
| Net interest margin | 3.9645% | 1,743 |
| Noninterest income to average assets | 0.9173% | 1,356 |
| Noninterest expense to average assets | 3.0962% | 2,051 |
| Loan and lease loss provision to assets | 0.0825% | 2,708 |
| Net operating income to assets | 1.0777% | 2,001 |
| Return on assets (ROA) | 1.0829% | 2,074 |
| Pretax return on assets | 1.3827% | 2,005 |
| Return on Equity (ROE) | 8.4516% | 2,704 |
| Retained earnings to average equity (ytd only) | 6.5438% | 1,435 |
| Net charge-offs to loans | 0.4304% | 597 |
| Credit loss provision to net charge-offs | 25.1631% | 3,631 |
| Earnings coverage of net charge-offs (x) | 4.4483% | 3,502 |
| Efficiency ratio | 67.8519% | 3,268 |
| Assets per employee ($millions) | 2.9769% | 5,370 |
| Cash dividends to net income (ytd only)* | 22.5734% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 5,220 |
| Loan loss allowance to noncurrent loans | 23.9350% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 369 |
| Noncurrent loans to loans | 3.1609% | 412 |
| Net loans and leases to total assets | 78.9039% | 1,057 |
| Net loans and leases to deposits | 93.1336% | 1,283 |
| Net loans and leases to core deposits | 101.3824% | 1,497 |
| Total domestic deposits to total assets | 84.7212% | 3,164 |
| Equity capital to assets | 13.4385% | 1,079 |
| Core capital (leverage) ratio | 12.5148% | 1,323 |
| Tier 1 risk-based capital ratio | 14.7852% | 3,055 |
| Total risk-based capital ratio | 15.4763% | 3,264 |
| Memoranda: | ||
| Average total assets | $327,268,200 | 2,020 |
| Average earning assets | $300,265,400 | 2,041 |
| Average equity | $41,933,000 | 1,765 |
| Average total loans | $249,288,000 | 1,796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 2,036 |
| Cost of funding earning assets | 0.4296% | 2,739 |
| Net interest margin | 3.9109% | 1,934 |
| Noninterest income to average assets | 1.0077% | 1,134 |
| Noninterest expense to average assets | 3.2117% | 1,748 |
| Loan and lease loss provision to assets | 0.0850% | 2,521 |
| Net operating income to assets | 1.0519% | 2,193 |
| Return on assets (ROA) | 1.0591% | 2,278 |
| Pretax return on assets | 1.3084% | 2,398 |
| Return on Equity (ROE) | 8.3645% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.1272% | 2,114 |
| Net charge-offs to loans | 0.4231% | 507 |
| Credit loss provision to net charge-offs | 26.6497% | 3,249 |
| Earnings coverage of net charge-offs (x) | 4.3414% | 3,282 |
| Efficiency ratio | 69.7455% | 2,927 |
| Assets per employee ($millions) | 3.1650% | 5,223 |
| Cash dividends to net income (ytd only)* | 26.7482% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 5,011 |
| Loan loss allowance to noncurrent loans | 23.5611% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.3685% | 303 |
| Noncurrent loans to loans | 3.6481% | 337 |
| Net loans and leases to total assets | 75.7536% | 1,563 |
| Net loans and leases to deposits | 88.1980% | 1,989 |
| Net loans and leases to core deposits | 98.2835% | 1,784 |
| Total domestic deposits to total assets | 85.8904% | 2,416 |
| Equity capital to assets | 12.9587% | 1,503 |
| Core capital (leverage) ratio | 12.1455% | 1,576 |
| Tier 1 risk-based capital ratio | 14.4568% | 3,305 |
| Total risk-based capital ratio | 15.2282% | 3,491 |
| Memoranda: | ||
| Average total assets | $329,452,000 | 2,011 |
| Average earning assets | $302,291,000 | 2,035 |
| Average equity | $41,714,750 | 1,785 |
| Average total loans | $248,297,250 | 1,805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,234 |
| Cost of funding earning assets | 0.4237% | 2,794 |
| Net interest margin | 3.8511% | 2,133 |
| Noninterest income to average assets | 1.1367% | 867 |
| Noninterest expense to average assets | 3.2165% | 1,772 |
| Loan and lease loss provision to assets | 0.0726% | 2,683 |
| Net operating income to assets | 1.1786% | 1,672 |
| Return on assets (ROA) | 1.1899% | 1,735 |
| Pretax return on assets | 1.3968% | 2,040 |
| Return on Equity (ROE) | 9.4708% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.2671% | 1,085 |
| Net charge-offs to loans | 0.2782% | 861 |
| Credit loss provision to net charge-offs | 34.7826% | 2,816 |
| Earnings coverage of net charge-offs (x) | 6.9768% | 2,683 |
| Efficiency ratio | 68.6950% | 3,214 |
| Assets per employee ($millions) | 3.2527% | 5,130 |
| Cash dividends to net income (ytd only)* | 12.7097% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,444 |
| Loan loss allowance to noncurrent loans | 20.7767% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 4.2170% | 198 |
| Noncurrent loans to loans | 4.8724% | 186 |
| Net loans and leases to total assets | 73.4749% | 1,936 |
| Net loans and leases to deposits | 86.9385% | 2,137 |
| Net loans and leases to core deposits | 99.2565% | 1,691 |
| Total domestic deposits to total assets | 84.5136% | 3,086 |
| Equity capital to assets | 12.8053% | 1,609 |
| Core capital (leverage) ratio | 12.2220% | 1,508 |
| Tier 1 risk-based capital ratio | 14.7805% | 3,165 |
| Total risk-based capital ratio | 15.6952% | 3,279 |
| Memoranda: | ||
| Average total assets | $330,606,000 | 2,014 |
| Average earning assets | $303,550,000 | 2,034 |
| Average equity | $41,538,330 | 1,783 |
| Average total loans | $248,033,000 | 1,809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 2,239 |
| Cost of funding earning assets | 0.4248% | 2,819 |
| Net interest margin | 3.8452% | 2,123 |
| Noninterest income to average assets | 1.3017% | 645 |
| Noninterest expense to average assets | 3.2168% | 1,801 |
| Loan and lease loss provision to assets | 0.0727% | 2,505 |
| Net operating income to assets | 1.5066% | 841 |
| Return on assets (ROA) | 1.5066% | 883 |
| Pretax return on assets | 1.5454% | 1,454 |
| Return on Equity (ROE) | 12.1076% | 1,284 |
| Retained earnings to average equity (ytd only) | 9.6725% | 932 |
| Net charge-offs to loans | 0.2250% | 908 |
| Credit loss provision to net charge-offs | 42.8571% | 2,120 |
| Earnings coverage of net charge-offs (x) | 9.5357% | 1,983 |
| Efficiency ratio | 66.3826% | 3,736 |
| Assets per employee ($millions) | 3.2413% | 5,207 |
| Cash dividends to net income (ytd only)* | 20.1126% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 4,240 |
| Loan loss allowance to noncurrent loans | 51.1434% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 952 |
| Noncurrent loans to loans | 2.0885% | 1,011 |
| Net loans and leases to total assets | 73.9304% | 1,739 |
| Net loans and leases to deposits | 87.1102% | 1,927 |
| Net loans and leases to core deposits | 99.8786% | 1,493 |
| Total domestic deposits to total assets | 84.8700% | 3,179 |
| Equity capital to assets | 12.5856% | 1,628 |
| Core capital (leverage) ratio | 11.9643% | 1,632 |
| Tier 1 risk-based capital ratio | 14.7712% | 3,253 |
| Total risk-based capital ratio | 15.7575% | 3,326 |
| Memoranda: | ||
| Average total assets | $330,021,000 | 2,026 |
| Average earning assets | $303,232,000 | 2,040 |
| Average equity | $41,065,000 | 1,801 |
| Average total loans | $248,917,000 | 1,806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 1,942 |
| Cost of funding earning assets | 0.3893% | 3,272 |
| Net interest margin | 3.9997% | 1,717 |
| Noninterest income to average assets | 1.0367% | 1,101 |
| Noninterest expense to average assets | 3.1042% | 2,225 |
| Loan and lease loss provision to assets | 0.2250% | 908 |
| Net operating income to assets | 0.9762% | 2,485 |
| Return on assets (ROA) | 0.9780% | 2,553 |
| Pretax return on assets | 1.3957% | 1,924 |
| Return on Equity (ROE) | 7.7389% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.1428% | 2,322 |
| Net charge-offs to loans | 0.3234% | 927 |
| Credit loss provision to net charge-offs | 91.1392% | 2,743 |
| Earnings coverage of net charge-offs (x) | 6.5557% | 3,206 |
| Efficiency ratio | 65.6213% | 3,965 |
| Assets per employee ($millions) | 3.1465% | 5,365 |
| Cash dividends to net income (ytd only)* | 33.5463% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 5,631 |
| Loan loss allowance to noncurrent loans | 32.2049% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 898 |
| Noncurrent loans to loans | 2.1793% | 922 |
| Net loans and leases to total assets | 75.3694% | 1,515 |
| Net loans and leases to deposits | 88.9191% | 1,758 |
| Net loans and leases to core deposits | 102.1303% | 1,351 |
| Total domestic deposits to total assets | 84.7618% | 3,190 |
| Equity capital to assets | 12.5547% | 1,596 |
| Core capital (leverage) ratio | 12.1515% | 1,527 |
| Tier 1 risk-based capital ratio | 14.3113% | 3,542 |
| Total risk-based capital ratio | 14.9465% | 3,822 |
| Memoranda: | ||
| Average total assets | $320,051,800 | 2,043 |
| Average earning assets | $294,919,600 | 2,049 |
| Average equity | $40,445,000 | 1,778 |
| Average total loans | $244,305,000 | 1,766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 1,960 |
| Cost of funding earning assets | 0.3861% | 3,379 |
| Net interest margin | 4.0022% | 1,695 |
| Noninterest income to average assets | 1.0798% | 1,036 |
| Noninterest expense to average assets | 3.1087% | 2,201 |
| Loan and lease loss provision to assets | 0.2646% | 623 |
| Net operating income to assets | 0.9877% | 2,531 |
| Return on assets (ROA) | 0.9853% | 2,623 |
| Pretax return on assets | 1.3943% | 2,040 |
| Return on Equity (ROE) | 7.7835% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.4611% | 2,597 |
| Net charge-offs to loans | 0.1945% | 1,311 |
| Credit loss provision to net charge-offs | 177.9661% | 1,480 |
| Earnings coverage of net charge-offs (x) | 11.1807% | 2,524 |
| Efficiency ratio | 65.0440% | 4,055 |
| Assets per employee ($millions) | 3.2137% | 5,262 |
| Cash dividends to net income (ytd only)* | 29.8380% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 5,378 |
| Loan loss allowance to noncurrent loans | 30.9478% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1505% | 906 |
| Noncurrent loans to loans | 2.7380% | 691 |
| Net loans and leases to total assets | 75.9232% | 1,397 |
| Net loans and leases to deposits | 90.1532% | 1,628 |
| Net loans and leases to core deposits | 102.7995% | 1,319 |
| Total domestic deposits to total assets | 84.2157% | 3,335 |
| Equity capital to assets | 12.6735% | 1,633 |
| Core capital (leverage) ratio | 12.1569% | 1,589 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,508 |
| Total risk-based capital ratio | 15.3653% | 3,718 |
| Memoranda: | ||
| Average total assets | $317,468,250 | 2,072 |
| Average earning assets | $292,801,750 | 2,075 |
| Average equity | $40,186,500 | 1,806 |
| Average total loans | $242,688,750 | 1,784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,031 |
| Cost of funding earning assets | 0.3837% | 3,438 |
| Net interest margin | 3.9599% | 1,778 |
| Noninterest income to average assets | 1.1761% | 874 |
| Noninterest expense to average assets | 3.0962% | 2,251 |
| Loan and lease loss provision to assets | 0.2539% | 679 |
| Net operating income to assets | 1.0460% | 2,153 |
| Return on assets (ROA) | 1.0460% | 2,265 |
| Pretax return on assets | 1.4814% | 1,702 |
| Return on Equity (ROE) | 8.2669% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.7555% | 3,020 |
| Net charge-offs to loans | 0.2617% | 996 |
| Credit loss provision to net charge-offs | 126.9841% | 1,729 |
| Earnings coverage of net charge-offs (x) | 8.6794% | 2,539 |
| Efficiency ratio | 63.9648% | 4,368 |
| Assets per employee ($millions) | 3.0733% | 5,507 |
| Cash dividends to net income (ytd only)* | 42.4757% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 5,650 |
| Loan loss allowance to noncurrent loans | 29.0901% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 1,036 |
| Noncurrent loans to loans | 2.6688% | 815 |
| Net loans and leases to total assets | 75.8457% | 1,385 |
| Net loans and leases to deposits | 92.6474% | 1,297 |
| Net loans and leases to core deposits | 97.1416% | 1,710 |
| Total domestic deposits to total assets | 81.8649% | 4,337 |
| Equity capital to assets | 12.4998% | 1,656 |
| Core capital (leverage) ratio | 12.1369% | 1,574 |
| Tier 1 risk-based capital ratio | 14.2638% | 3,782 |
| Total risk-based capital ratio | 14.9828% | 4,017 |
| Memoranda: | ||
| Average total assets | $315,097,000 | 2,100 |
| Average earning assets | $290,865,330 | 2,105 |
| Average equity | $39,870,000 | 1,827 |
| Average total loans | $240,738,670 | 1,807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 1,893 |
| Cost of funding earning assets | 0.3828% | 3,498 |
| Net interest margin | 3.9799% | 1,624 |
| Noninterest income to average assets | 1.3196% | 658 |
| Noninterest expense to average assets | 3.1109% | 2,236 |
| Loan and lease loss provision to assets | 0.1156% | 1,782 |
| Net operating income to assets | 1.2875% | 1,315 |
| Return on assets (ROA) | 1.2875% | 1,401 |
| Pretax return on assets | 1.7668% | 923 |
| Return on Equity (ROE) | 10.1119% | 1,954 |
| Retained earnings to average equity (ytd only) | 3.0477% | 4,152 |
| Net charge-offs to loans | 0.1968% | 1,147 |
| Credit loss provision to net charge-offs | 76.9231% | 1,858 |
| Earnings coverage of net charge-offs (x) | 12.5214% | 1,793 |
| Efficiency ratio | 62.1976% | 4,768 |
| Assets per employee ($millions) | 3.0143% | 5,645 |
| Cash dividends to net income (ytd only)* | 69.8603% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 5,769 |
| Loan loss allowance to noncurrent loans | 26.8784% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 2.2227% | 1,035 |
| Noncurrent loans to loans | 2.8514% | 795 |
| Net loans and leases to total assets | 75.1913% | 1,326 |
| Net loans and leases to deposits | 90.1090% | 1,376 |
| Net loans and leases to core deposits | 93.7535% | 1,788 |
| Total domestic deposits to total assets | 83.4449% | 4,029 |
| Equity capital to assets | 12.8295% | 1,498 |
| Core capital (leverage) ratio | 12.0163% | 1,628 |
| Tier 1 risk-based capital ratio | 14.4432% | 3,753 |
| Total risk-based capital ratio | 15.1439% | 4,016 |
| Memoranda: | ||
| Average total assets | $311,295,500 | 2,128 |
| Average earning assets | $287,341,500 | 2,129 |
| Average equity | $39,636,500 | 1,849 |
| Average total loans | $237,773,500 | 1,827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 2,434 |
| Cost of funding earning assets | 0.3936% | 3,755 |
| Net interest margin | 3.9521% | 2,042 |
| Noninterest income to average assets | 0.9389% | 1,385 |
| Noninterest expense to average assets | 3.0100% | 2,815 |
| Loan and lease loss provision to assets | 0.1708% | 1,521 |
| Net operating income to assets | 0.9610% | 2,577 |
| Return on assets (ROA) | 0.9610% | 2,659 |
| Pretax return on assets | 1.4003% | 1,886 |
| Return on Equity (ROE) | 7.4355% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.8162% | 2,049 |
| Net charge-offs to loans | 0.1326% | 2,690 |
| Credit loss provision to net charge-offs | 173.1034% | 1,401 |
| Earnings coverage of net charge-offs (x) | 15.9207% | 2,052 |
| Efficiency ratio | 65.5698% | 4,321 |
| Assets per employee ($millions) | 3.0303% | 5,659 |
| Cash dividends to net income (ytd only)* | 21.7776% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 5,862 |
| Loan loss allowance to noncurrent loans | 35.1653% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 1,538 |
| Noncurrent loans to loans | 2.1657% | 1,243 |
| Net loans and leases to total assets | 76.4023% | 1,206 |
| Net loans and leases to deposits | 97.8495% | 775 |
| Net loans and leases to core deposits | 101.2491% | 1,295 |
| Total domestic deposits to total assets | 78.0814% | 5,425 |
| Equity capital to assets | 12.6365% | 1,574 |
| Core capital (leverage) ratio | 12.1717% | 1,516 |
| Tier 1 risk-based capital ratio | 14.4458% | 3,807 |
| Total risk-based capital ratio | 15.1640% | 4,093 |
| Memoranda: | ||
| Average total assets | $293,858,200 | 2,188 |
| Average earning assets | $270,820,200 | 2,189 |
| Average equity | $37,979,800 | 1,860 |
| Average total loans | $218,740,200 | 1,910 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,476 |
| Cost of funding earning assets | 0.4037% | 3,754 |
| Net interest margin | 3.9317% | 2,110 |
| Noninterest income to average assets | 0.9752% | 1,296 |
| Noninterest expense to average assets | 3.0768% | 2,538 |
| Loan and lease loss provision to assets | 0.1318% | 1,903 |
| Net operating income to assets | 0.9494% | 2,687 |
| Return on assets (ROA) | 0.9494% | 2,775 |
| Pretax return on assets | 1.3886% | 2,054 |
| Return on Equity (ROE) | 7.3020% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.1752% | 2,976 |
| Net charge-offs to loans | 0.0812% | 3,037 |
| Credit loss provision to net charge-offs | 220.0000% | 1,174 |
| Earnings coverage of net charge-offs (x) | 25.3768% | 1,509 |
| Efficiency ratio | 66.7970% | 4,084 |
| Assets per employee ($millions) | 3.1207% | 5,561 |
| Cash dividends to net income (ytd only)* | 29.1262% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 5,885 |
| Loan loss allowance to noncurrent loans | 39.4438% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5904% | 1,919 |
| Noncurrent loans to loans | 2.0154% | 1,570 |
| Net loans and leases to total assets | 74.6330% | 1,423 |
| Net loans and leases to deposits | 90.0585% | 1,423 |
| Net loans and leases to core deposits | 92.6935% | 1,977 |
| Total domestic deposits to total assets | 82.8717% | 4,188 |
| Equity capital to assets | 13.0493% | 1,405 |
| Core capital (leverage) ratio | 12.2893% | 1,518 |
| Tier 1 risk-based capital ratio | 15.0714% | 3,547 |
| Total risk-based capital ratio | 15.8137% | 3,789 |
| Memoranda: | ||
| Average total assets | $289,293,000 | 2,228 |
| Average earning assets | $266,513,500 | 2,235 |
| Average equity | $37,614,500 | 1,879 |
| Average total loans | $213,351,250 | 1,962 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 2,641 |
| Cost of funding earning assets | 0.4129% | 3,738 |
| Net interest margin | 3.8710% | 2,295 |
| Noninterest income to average assets | 1.0617% | 1,055 |
| Noninterest expense to average assets | 3.0958% | 2,514 |
| Loan and lease loss provision to assets | 0.0746% | 2,786 |
| Net operating income to assets | 0.9857% | 2,380 |
| Return on assets (ROA) | 0.9857% | 2,459 |
| Pretax return on assets | 1.4597% | 1,675 |
| Return on Equity (ROE) | 7.5905% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,397 |
| Net charge-offs to loans | 0.0152% | 3,928 |
| Credit loss provision to net charge-offs | 668.7500% | 465 |
| Earnings coverage of net charge-offs (x) | 137.5625% | 438 |
| Efficiency ratio | 66.7269% | 4,239 |
| Assets per employee ($millions) | 3.0572% | 5,677 |
| Cash dividends to net income (ytd only)* | 42.4328% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 6,007 |
| Loan loss allowance to noncurrent loans | 39.2964% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 2,098 |
| Noncurrent loans to loans | 2.0059% | 1,685 |
| Net loans and leases to total assets | 74.0631% | 1,433 |
| Net loans and leases to deposits | 88.0505% | 1,591 |
| Net loans and leases to core deposits | 91.2377% | 2,002 |
| Total domestic deposits to total assets | 84.1144% | 3,888 |
| Equity capital to assets | 13.0964% | 1,324 |
| Core capital (leverage) ratio | 12.3155% | 1,489 |
| Tier 1 risk-based capital ratio | 15.2543% | 3,492 |
| Total risk-based capital ratio | 15.9893% | 3,737 |
| Memoranda: | ||
| Average total assets | $286,901,330 | 2,242 |
| Average earning assets | $264,482,330 | 2,248 |
| Average equity | $37,257,000 | 1,889 |
| Average total loans | $210,123,000 | 1,981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 2,881 |
| Cost of funding earning assets | 0.4321% | 3,627 |
| Net interest margin | 3.7669% | 2,610 |
| Noninterest income to average assets | 1.1587% | 826 |
| Noninterest expense to average assets | 3.1367% | 2,416 |
| Loan and lease loss provision to assets | 0.0140% | 3,644 |
| Net operating income to assets | 0.9778% | 2,290 |
| Return on assets (ROA) | 0.9778% | 2,353 |
| Pretax return on assets | 1.4814% | 1,486 |
| Return on Equity (ROE) | 7.5622% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.0524% | 5,178 |
| Net charge-offs to loans | -0.0174% | 5,292 |
| Credit loss provision to net charge-offs | -111.1111% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5954% | 4,253 |
| Assets per employee ($millions) | 3.1974% | 5,523 |
| Cash dividends to net income (ytd only)* | 86.0832% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 6,134 |
| Loan loss allowance to noncurrent loans | 33.5383% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 1,992 |
| Noncurrent loans to loans | 2.3455% | 1,507 |
| Net loans and leases to total assets | 71.7033% | 1,619 |
| Net loans and leases to deposits | 83.2476% | 1,919 |
| Net loans and leases to core deposits | 85.7727% | 2,346 |
| Total domestic deposits to total assets | 86.1326% | 3,292 |
| Equity capital to assets | 12.8669% | 1,373 |
| Core capital (leverage) ratio | 12.1431% | 1,580 |
| Tier 1 risk-based capital ratio | 15.4168% | 3,489 |
| Total risk-based capital ratio | 16.1437% | 3,724 |
| Memoranda: | ||
| Average total assets | $285,136,000 | 2,266 |
| Average earning assets | $262,925,000 | 2,264 |
| Average equity | $36,867,500 | 1,900 |
| Average total loans | $206,778,500 | 1,997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 3,468 |
| Cost of funding earning assets | 0.4653% | 3,963 |
| Net interest margin | 3.7022% | 3,045 |
| Noninterest income to average assets | 0.9631% | 1,483 |
| Noninterest expense to average assets | 2.8185% | 3,662 |
| Loan and lease loss provision to assets | 0.0628% | 3,876 |
| Net operating income to assets | 0.9891% | 2,372 |
| Return on assets (ROA) | 0.9915% | 2,433 |
| Pretax return on assets | 1.5312% | 1,345 |
| Return on Equity (ROE) | 7.7210% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.3228% | 1,793 |
| Net charge-offs to loans | -0.0049% | 5,928 |
| Credit loss provision to net charge-offs | -1,944.4444% | 6,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7889% | 4,934 |
| Assets per employee ($millions) | 3.3236% | 5,236 |
| Cash dividends to net income (ytd only)* | 18.1094% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 6,200 |
| Loan loss allowance to noncurrent loans | 35.4747% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 2,193 |
| Noncurrent loans to loans | 2.2186% | 1,754 |
| Net loans and leases to total assets | 72.1985% | 1,653 |
| Net loans and leases to deposits | 85.7510% | 1,719 |
| Net loans and leases to core deposits | 88.6568% | 2,170 |
| Total domestic deposits to total assets | 84.1956% | 4,095 |
| Equity capital to assets | 12.9938% | 1,276 |
| Core capital (leverage) ratio | 12.4109% | 1,401 |
| Tier 1 risk-based capital ratio | 15.6482% | 3,279 |
| Total risk-based capital ratio | 16.3811% | 3,535 |
| Memoranda: | ||
| Average total assets | $278,479,000 | 2,282 |
| Average earning assets | $259,196,200 | 2,254 |
| Average equity | $35,759,600 | 1,926 |
| Average total loans | $185,449,400 | 2,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,874 |
| Cost of funding earning assets | 0.4712% | 4,058 |
| Net interest margin | 3.5962% | 3,459 |
| Noninterest income to average assets | 1.0331% | 1,366 |
| Noninterest expense to average assets | 2.8096% | 3,628 |
| Loan and lease loss provision to assets | 0.0360% | 4,297 |
| Net operating income to assets | 0.9959% | 2,392 |
| Return on assets (ROA) | 0.9990% | 2,466 |
| Pretax return on assets | 1.5482% | 1,472 |
| Return on Equity (ROE) | 7.8033% | 3,226 |
| Retained earnings to average equity (ytd only) | 5.9266% | 2,460 |
| Net charge-offs to loans | -0.0303% | 6,170 |
| Credit loss provision to net charge-offs | -182.9268% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8713% | 4,819 |
| Assets per employee ($millions) | 3.2448% | 5,398 |
| Cash dividends to net income (ytd only)* | 24.0500% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 6,281 |
| Loan loss allowance to noncurrent loans | 23.9450% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.4419% | 1,586 |
| Noncurrent loans to loans | 3.3499% | 1,162 |
| Net loans and leases to total assets | 69.4560% | 2,054 |
| Net loans and leases to deposits | 80.6540% | 2,315 |
| Net loans and leases to core deposits | 83.3793% | 2,721 |
| Total domestic deposits to total assets | 86.1159% | 3,186 |
| Equity capital to assets | 13.0915% | 1,291 |
| Core capital (leverage) ratio | 12.5393% | 1,404 |
| Tier 1 risk-based capital ratio | 16.5149% | 2,926 |
| Total risk-based capital ratio | 17.2571% | 3,149 |
| Memoranda: | ||
| Average total assets | $277,473,000 | 2,301 |
| Average earning assets | $258,931,000 | 2,263 |
| Average equity | $35,522,500 | 1,957 |
| Average total loans | $180,416,500 | 2,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,097 |
| Cost of funding earning assets | 0.4708% | 4,198 |
| Net interest margin | 3.5321% | 3,646 |
| Noninterest income to average assets | 1.1474% | 1,156 |
| Noninterest expense to average assets | 2.7652% | 3,798 |
| Loan and lease loss provision to assets | 0.0180% | 4,537 |
| Net operating income to assets | 1.0761% | 2,010 |
| Return on assets (ROA) | 1.0761% | 2,122 |
| Pretax return on assets | 1.6667% | 1,194 |
| Return on Equity (ROE) | 8.4693% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.6386% | 2,650 |
| Net charge-offs to loans | 0.0034% | 4,853 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 780.6667% | 46 |
| Efficiency ratio | 61.9948% | 5,174 |
| Assets per employee ($millions) | 3.3134% | 5,241 |
| Cash dividends to net income (ytd only)* | 33.4225% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 6,316 |
| Loan loss allowance to noncurrent loans | 23.4498% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 2.3795% | 1,798 |
| Noncurrent loans to loans | 3.5047% | 1,215 |
| Net loans and leases to total assets | 63.8901% | 2,927 |
| Net loans and leases to deposits | 74.3042% | 3,105 |
| Net loans and leases to core deposits | 76.3808% | 3,497 |
| Total domestic deposits to total assets | 85.9845% | 3,376 |
| Equity capital to assets | 12.8731% | 1,397 |
| Core capital (leverage) ratio | 12.1719% | 1,522 |
| Tier 1 risk-based capital ratio | 17.6337% | 2,463 |
| Total risk-based capital ratio | 18.3909% | 2,634 |
| Memoranda: | ||
| Average total assets | $278,029,000 | 2,302 |
| Average earning assets | $259,960,670 | 2,266 |
| Average equity | $35,327,670 | 1,971 |
| Average total loans | $176,184,670 | 2,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 4,459 |
| Cost of funding earning assets | 0.4770% | 4,305 |
| Net interest margin | 3.4261% | 4,025 |
| Noninterest income to average assets | 0.9287% | 1,664 |
| Noninterest expense to average assets | 2.6773% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9516% | 2,435 |
| Return on assets (ROA) | 0.9516% | 2,577 |
| Pretax return on assets | 1.4581% | 1,691 |
| Return on Equity (ROE) | 7.5375% | 3,206 |
| Retained earnings to average equity (ytd only) | 1.8702% | 5,061 |
| Net charge-offs to loans | 0.0228% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 101.9000% | 377 |
| Efficiency ratio | 64.6021% | 4,903 |
| Assets per employee ($millions) | 3.4552% | 5,073 |
| Cash dividends to net income (ytd only)* | 75.1880% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 6,402 |
| Loan loss allowance to noncurrent loans | 25.8439% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.0507% | 2,288 |
| Noncurrent loans to loans | 3.2168% | 1,525 |
| Net loans and leases to total assets | 59.2305% | 3,564 |
| Net loans and leases to deposits | 68.4782% | 3,716 |
| Net loans and leases to core deposits | 70.4478% | 4,019 |
| Total domestic deposits to total assets | 86.4954% | 3,233 |
| Equity capital to assets | 12.3222% | 1,828 |
| Core capital (leverage) ratio | 11.7948% | 1,681 |
| Tier 1 risk-based capital ratio | 17.5867% | 2,526 |
| Total risk-based capital ratio | 18.3438% | 2,678 |
| Memoranda: | ||
| Average total assets | $279,535,500 | 2,317 |
| Average earning assets | $261,639,000 | 2,277 |
| Average equity | $35,290,000 | 2,001 |
| Average total loans | $175,695,000 | 2,264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 3,815 |
| Cost of funding earning assets | 0.6246% | 4,141 |
| Net interest margin | 3.7741% | 3,342 |
| Noninterest income to average assets | 0.8514% | 2,037 |
| Noninterest expense to average assets | 2.7398% | 4,250 |
| Loan and lease loss provision to assets | 0.0708% | 4,854 |
| Net operating income to assets | 1.0263% | 2,227 |
| Return on assets (ROA) | 1.0359% | 2,385 |
| Pretax return on assets | 1.5805% | 1,437 |
| Return on Equity (ROE) | 8.1382% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.5275% | 1,806 |
| Net charge-offs to loans | 0.0550% | 5,160 |
| Credit loss provision to net charge-offs | 195.8763% | 1,331 |
| Earnings coverage of net charge-offs (x) | 45.2680% | 726 |
| Efficiency ratio | 62.4563% | 5,173 |
| Assets per employee ($millions) | 3.2806% | 5,453 |
| Cash dividends to net income (ytd only)* | 19.7913% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,498 |
| Loan loss allowance to noncurrent loans | 40.1176% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 1.4477% | 3,211 |
| Noncurrent loans to loans | 1.9833% | 2,716 |
| Net loans and leases to total assets | 65.6180% | 2,586 |
| Net loans and leases to deposits | 76.2543% | 2,763 |
| Net loans and leases to core deposits | 78.4087% | 3,207 |
| Total domestic deposits to total assets | 86.0515% | 3,330 |
| Equity capital to assets | 12.9429% | 1,475 |
| Core capital (leverage) ratio | 12.2248% | 1,442 |
| Tier 1 risk-based capital ratio | 16.8342% | 2,734 |
| Total risk-based capital ratio | 17.5682% | 2,944 |
| Memoranda: | ||
| Average total assets | $268,270,200 | 2,361 |
| Average earning assets | $250,573,400 | 2,317 |
| Average equity | $34,147,800 | 2,026 |
| Average total loans | $176,415,200 | 2,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 3,758 |
| Cost of funding earning assets | 0.6596% | 4,106 |
| Net interest margin | 3.8085% | 3,304 |
| Noninterest income to average assets | 0.8860% | 1,883 |
| Noninterest expense to average assets | 2.7562% | 4,152 |
| Loan and lease loss provision to assets | 0.0624% | 4,931 |
| Net operating income to assets | 1.0609% | 2,250 |
| Return on assets (ROA) | 1.0736% | 2,398 |
| Pretax return on assets | 1.6443% | 1,434 |
| Return on Equity (ROE) | 8.4703% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.8959% | 2,183 |
| Net charge-offs to loans | 0.0152% | 5,477 |
| Credit loss provision to net charge-offs | 625.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 169.0746% | 262 |
| Efficiency ratio | 61.8839% | 5,165 |
| Assets per employee ($millions) | 3.3879% | 5,241 |
| Cash dividends to net income (ytd only)* | 18.5874% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 6,554 |
| Loan loss allowance to noncurrent loans | 35.3647% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 1.7507% | 2,978 |
| Noncurrent loans to loans | 2.3238% | 2,481 |
| Net loans and leases to total assets | 64.3400% | 2,968 |
| Net loans and leases to deposits | 74.6679% | 3,192 |
| Net loans and leases to core deposits | 77.5395% | 3,527 |
| Total domestic deposits to total assets | 86.1682% | 3,162 |
| Equity capital to assets | 12.8670% | 1,669 |
| Core capital (leverage) ratio | 12.0510% | 1,626 |
| Tier 1 risk-based capital ratio | 16.9109% | 2,779 |
| Total risk-based capital ratio | 17.6663% | 3,015 |
| Memoranda: | ||
| Average total assets | $267,265,750 | 2,396 |
| Average earning assets | $249,645,500 | 2,349 |
| Average equity | $33,874,250 | 2,056 |
| Average total loans | $175,493,250 | 2,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 3,821 |
| Cost of funding earning assets | 0.6863% | 4,131 |
| Net interest margin | 3.8009% | 3,354 |
| Noninterest income to average assets | 0.9165% | 1,725 |
| Noninterest expense to average assets | 2.7751% | 4,116 |
| Loan and lease loss provision to assets | 0.0594% | 4,907 |
| Net operating income to assets | 1.0646% | 2,184 |
| Return on assets (ROA) | 1.0646% | 2,415 |
| Pretax return on assets | 1.6338% | 1,437 |
| Return on Equity (ROE) | 8.4434% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.0583% | 2,678 |
| Net charge-offs to loans | 0.0091% | 5,339 |
| Credit loss provision to net charge-offs | 987.5000% | 337 |
| Earnings coverage of net charge-offs (x) | 281.5000% | 151 |
| Efficiency ratio | 61.9721% | 5,252 |
| Assets per employee ($millions) | 3.6313% | 4,679 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 6,654 |
| Loan loss allowance to noncurrent loans | 22.4682% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,145 |
| Noncurrent loans to loans | 3.5912% | 1,596 |
| Net loans and leases to total assets | 64.5521% | 2,920 |
| Net loans and leases to deposits | 74.6630% | 3,178 |
| Net loans and leases to core deposits | 76.8644% | 3,673 |
| Total domestic deposits to total assets | 86.4579% | 3,098 |
| Equity capital to assets | 12.6716% | 1,706 |
| Core capital (leverage) ratio | 11.7721% | 1,740 |
| Tier 1 risk-based capital ratio | 16.8739% | 2,730 |
| Total risk-based capital ratio | 17.6263% | 2,941 |
| Memoranda: | ||
| Average total assets | $266,009,330 | 2,405 |
| Average earning assets | $248,574,000 | 2,368 |
| Average equity | $33,541,000 | 2,060 |
| Average total loans | $175,381,330 | 2,288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 3,663 |
| Cost of funding earning assets | 0.7123% | 4,180 |
| Net interest margin | 3.8511% | 3,135 |
| Noninterest income to average assets | 0.9809% | 1,477 |
| Noninterest expense to average assets | 2.7613% | 4,200 |
| Loan and lease loss provision to assets | 0.0680% | 4,560 |
| Net operating income to assets | 1.1396% | 1,923 |
| Return on assets (ROA) | 1.1396% | 2,108 |
| Pretax return on assets | 1.7472% | 1,201 |
| Return on Equity (ROE) | 9.0609% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.2540% | 4,036 |
| Net charge-offs to loans | 0.0387% | 4,154 |
| Credit loss provision to net charge-offs | 264.7059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 70.6471% | 473 |
| Efficiency ratio | 60.2048% | 5,585 |
| Assets per employee ($millions) | 3.7894% | 4,447 |
| Cash dividends to net income (ytd only)* | 53.0504% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 6,769 |
| Loan loss allowance to noncurrent loans | 32.1051% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 3,160 |
| Noncurrent loans to loans | 2.4399% | 2,672 |
| Net loans and leases to total assets | 63.5080% | 2,949 |
| Net loans and leases to deposits | 73.1430% | 3,256 |
| Net loans and leases to core deposits | 75.0797% | 3,735 |
| Total domestic deposits to total assets | 86.8272% | 3,053 |
| Equity capital to assets | 12.2756% | 1,867 |
| Core capital (leverage) ratio | 11.5849% | 1,846 |
| Tier 1 risk-based capital ratio | 16.5074% | 2,907 |
| Total risk-based capital ratio | 17.2353% | 3,150 |
| Memoranda: | ||
| Average total assets | $264,655,000 | 2,433 |
| Average earning assets | $247,101,000 | 2,390 |
| Average equity | $33,286,000 | 2,079 |
| Average total loans | $175,635,000 | 2,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 3,043 |
| Cost of funding earning assets | 0.9813% | 3,501 |
| Net interest margin | 3.9849% | 2,961 |
| Noninterest income to average assets | 0.8194% | 1,964 |
| Noninterest expense to average assets | 2.8653% | 4,108 |
| Loan and lease loss provision to assets | 0.0759% | 5,662 |
| Net operating income to assets | 1.0475% | 2,012 |
| Return on assets (ROA) | 1.0475% | 2,156 |
| Pretax return on assets | 1.5838% | 1,246 |
| Return on Equity (ROE) | 8.3279% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.0579% | 1,478 |
| Net charge-offs to loans | 0.2609% | 4,143 |
| Credit loss provision to net charge-offs | 42.4107% | 5,584 |
| Earnings coverage of net charge-offs (x) | 9.2768% | 2,006 |
| Efficiency ratio | 63.1718% | 5,265 |
| Assets per employee ($millions) | 3.5622% | 4,864 |
| Cash dividends to net income (ytd only)* | 15.2497% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 6,824 |
| Loan loss allowance to noncurrent loans | 43.5065% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 3,730 |
| Noncurrent loans to loans | 1.7438% | 3,544 |
| Net loans and leases to total assets | 68.3458% | 2,325 |
| Net loans and leases to deposits | 79.1906% | 2,657 |
| Net loans and leases to core deposits | 81.3113% | 3,281 |
| Total domestic deposits to total assets | 86.3055% | 3,140 |
| Equity capital to assets | 12.8979% | 1,543 |
| Core capital (leverage) ratio | 12.1371% | 1,522 |
| Tier 1 risk-based capital ratio | 16.1226% | 2,986 |
| Total risk-based capital ratio | 16.8279% | 3,234 |
| Memoranda: | ||
| Average total assets | $250,414,000 | 2,514 |
| Average earning assets | $232,855,400 | 2,476 |
| Average equity | $31,496,400 | 2,104 |
| Average total loans | $171,721,000 | 2,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 3,002 |
| Cost of funding earning assets | 1.0243% | 3,512 |
| Net interest margin | 3.9929% | 2,944 |
| Noninterest income to average assets | 0.8437% | 1,861 |
| Noninterest expense to average assets | 2.8943% | 3,957 |
| Loan and lease loss provision to assets | 0.0643% | 5,646 |
| Net operating income to assets | 1.0569% | 2,118 |
| Return on assets (ROA) | 1.0569% | 2,257 |
| Pretax return on assets | 1.5958% | 1,399 |
| Return on Equity (ROE) | 8.4584% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.7436% | 2,112 |
| Net charge-offs to loans | 0.1173% | 4,850 |
| Credit loss provision to net charge-offs | 80.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 20.6595% | 1,210 |
| Efficiency ratio | 63.3968% | 5,163 |
| Assets per employee ($millions) | 3.3106% | 5,465 |
| Cash dividends to net income (ytd only)* | 20.2737% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 6,646 |
| Loan loss allowance to noncurrent loans | 54.3689% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 4,200 |
| Noncurrent loans to loans | 1.6276% | 3,858 |
| Net loans and leases to total assets | 69.8003% | 2,114 |
| Net loans and leases to deposits | 80.8762% | 2,545 |
| Net loans and leases to core deposits | 82.9610% | 3,195 |
| Total domestic deposits to total assets | 86.3051% | 3,034 |
| Equity capital to assets | 12.8523% | 1,683 |
| Core capital (leverage) ratio | 11.9413% | 1,736 |
| Tier 1 risk-based capital ratio | 15.8401% | 3,197 |
| Total risk-based capital ratio | 16.6695% | 3,401 |
| Memoranda: | ||
| Average total assets | $248,898,750 | 2,544 |
| Average earning assets | $231,302,250 | 2,497 |
| Average equity | $31,100,500 | 2,130 |
| Average total loans | $170,493,750 | 2,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 3,260 |
| Cost of funding earning assets | 1.0561% | 3,561 |
| Net interest margin | 3.9223% | 3,207 |
| Noninterest income to average assets | 0.8855% | 1,693 |
| Noninterest expense to average assets | 2.8831% | 4,089 |
| Loan and lease loss provision to assets | 0.0605% | 5,551 |
| Net operating income to assets | 1.0565% | 2,018 |
| Return on assets (ROA) | 1.0565% | 2,113 |
| Pretax return on assets | 1.5871% | 1,279 |
| Return on Equity (ROE) | 8.5374% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.9306% | 2,475 |
| Net charge-offs to loans | 0.0475% | 5,182 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 51.0750% | 614 |
| Efficiency ratio | 63.4745% | 5,335 |
| Assets per employee ($millions) | 3.2665% | 5,490 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,478 |
| Loan loss allowance to noncurrent loans | 72.0335% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 4,784 |
| Noncurrent loans to loans | 1.3346% | 4,420 |
| Net loans and leases to total assets | 66.0285% | 3,020 |
| Net loans and leases to deposits | 76.1208% | 3,443 |
| Net loans and leases to core deposits | 77.9463% | 4,058 |
| Total domestic deposits to total assets | 86.7417% | 2,890 |
| Equity capital to assets | 12.3312% | 1,885 |
| Core capital (leverage) ratio | 11.6876% | 1,788 |
| Tier 1 risk-based capital ratio | 15.9476% | 2,999 |
| Total risk-based capital ratio | 16.8358% | 3,152 |
| Memoranda: | ||
| Average total assets | $247,996,670 | 2,572 |
| Average earning assets | $230,476,000 | 2,518 |
| Average equity | $30,688,330 | 2,144 |
| Average total loans | $168,262,000 | 2,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 2,920 |
| Cost of funding earning assets | 1.1135% | 3,432 |
| Net interest margin | 3.9236% | 3,031 |
| Noninterest income to average assets | 0.9223% | 1,578 |
| Noninterest expense to average assets | 2.8503% | 4,265 |
| Loan and lease loss provision to assets | 0.0654% | 5,179 |
| Net operating income to assets | 1.0973% | 1,851 |
| Return on assets (ROA) | 1.0973% | 1,897 |
| Pretax return on assets | 1.6484% | 1,083 |
| Return on Equity (ROE) | 8.8512% | 2,532 |
| Retained earnings to average equity (ytd only) | 3.5748% | 4,041 |
| Net charge-offs to loans | 0.0573% | 4,358 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 639 |
| Efficiency ratio | 62.3074% | 5,634 |
| Assets per employee ($millions) | 3.3974% | 5,248 |
| Cash dividends to net income (ytd only)* | 59.6125% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,477 |
| Loan loss allowance to noncurrent loans | 60.0670% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 4,424 |
| Noncurrent loans to loans | 1.6258% | 4,040 |
| Net loans and leases to total assets | 65.0980% | 3,219 |
| Net loans and leases to deposits | 74.9628% | 3,598 |
| Net loans and leases to core deposits | 76.8387% | 4,187 |
| Total domestic deposits to total assets | 86.8405% | 3,028 |
| Equity capital to assets | 12.0780% | 1,872 |
| Core capital (leverage) ratio | 11.4422% | 1,882 |
| Tier 1 risk-based capital ratio | 15.8423% | 2,976 |
| Total risk-based capital ratio | 16.7317% | 3,119 |
| Memoranda: | ||
| Average total assets | $244,603,000 | 2,620 |
| Average earning assets | $227,037,500 | 2,581 |
| Average equity | $30,323,500 | 2,157 |
| Average total loans | $167,461,500 | 2,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 1,761 |
| Cost of funding earning assets | 1.3776% | 3,406 |
| Net interest margin | 4.2670% | 1,932 |
| Noninterest income to average assets | 0.8498% | 2,056 |
| Noninterest expense to average assets | 2.9407% | 4,067 |
| Loan and lease loss provision to assets | 0.2101% | 5,150 |
| Net operating income to assets | 1.0924% | 1,721 |
| Return on assets (ROA) | 1.0933% | 1,805 |
| Pretax return on assets | 1.6209% | 1,084 |
| Return on Equity (ROE) | 8.5394% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.1861% | 1,247 |
| Net charge-offs to loans | 0.0609% | 6,180 |
| Credit loss provision to net charge-offs | 485.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 42.2400% | 552 |
| Efficiency ratio | 61.4910% | 5,812 |
| Assets per employee ($millions) | 3.2575% | 5,519 |
| Cash dividends to net income (ytd only)* | 15.8479% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,604 |
| Loan loss allowance to noncurrent loans | 72.2097% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 4,717 |
| Noncurrent loans to loans | 1.3045% | 4,534 |
| Net loans and leases to total assets | 70.6689% | 2,377 |
| Net loans and leases to deposits | 81.7583% | 2,861 |
| Net loans and leases to core deposits | 84.1428% | 3,574 |
| Total domestic deposits to total assets | 86.4364% | 3,113 |
| Equity capital to assets | 12.7343% | 1,510 |
| Core capital (leverage) ratio | 12.0452% | 1,513 |
| Tier 1 risk-based capital ratio | 15.7607% | 2,863 |
| Total risk-based capital ratio | 16.6340% | 3,010 |
| Memoranda: | ||
| Average total assets | $230,865,400 | 2,746 |
| Average earning assets | $212,115,200 | 2,727 |
| Average equity | $29,557,200 | 2,206 |
| Average total loans | $164,179,600 | 2,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 2,147 |
| Cost of funding earning assets | 1.4378% | 3,348 |
| Net interest margin | 4.1408% | 2,444 |
| Noninterest income to average assets | 0.8600% | 1,952 |
| Noninterest expense to average assets | 2.9397% | 3,947 |
| Loan and lease loss provision to assets | 0.1600% | 5,435 |
| Net operating income to assets | 1.0579% | 2,046 |
| Return on assets (ROA) | 1.0590% | 2,148 |
| Pretax return on assets | 1.5595% | 1,448 |
| Return on Equity (ROE) | 8.2605% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.4450% | 2,118 |
| Net charge-offs to loans | -0.0319% | 7,414 |
| Credit loss provision to net charge-offs | -705.1282% | 7,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9560% | 5,439 |
| Assets per employee ($millions) | 3.1180% | 5,881 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,733 |
| Loan loss allowance to noncurrent loans | 52.5826% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4056% | 4,342 |
| Noncurrent loans to loans | 1.7201% | 4,064 |
| Net loans and leases to total assets | 71.5437% | 2,350 |
| Net loans and leases to deposits | 83.1891% | 2,871 |
| Net loans and leases to core deposits | 85.5360% | 3,723 |
| Total domestic deposits to total assets | 86.0013% | 3,074 |
| Equity capital to assets | 13.0259% | 1,561 |
| Core capital (leverage) ratio | 12.1145% | 1,609 |
| Tier 1 risk-based capital ratio | 15.6659% | 2,919 |
| Total risk-based capital ratio | 16.5163% | 3,084 |
| Memoranda: | ||
| Average total assets | $229,132,000 | 2,799 |
| Average earning assets | $210,132,250 | 2,792 |
| Average equity | $29,376,000 | 2,247 |
| Average total loans | $162,812,500 | 2,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 2,391 |
| Cost of funding earning assets | 1.4874% | 3,320 |
| Net interest margin | 4.0463% | 2,809 |
| Noninterest income to average assets | 0.8736% | 1,790 |
| Noninterest expense to average assets | 2.9381% | 3,927 |
| Loan and lease loss provision to assets | 0.0879% | 6,045 |
| Net operating income to assets | 1.0502% | 2,014 |
| Return on assets (ROA) | 1.0520% | 2,081 |
| Pretax return on assets | 1.5539% | 1,422 |
| Return on Equity (ROE) | 8.2511% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.4938% | 2,616 |
| Net charge-offs to loans | -0.0485% | 7,445 |
| Credit loss provision to net charge-offs | -256.4103% | 6,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0169% | 5,334 |
| Assets per employee ($millions) | 3.0670% | 6,003 |
| Cash dividends to net income (ytd only)* | 33.4169% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 6,989 |
| Loan loss allowance to noncurrent loans | 42.8436% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 4,046 |
| Noncurrent loans to loans | 1.9141% | 3,849 |
| Net loans and leases to total assets | 71.1359% | 2,625 |
| Net loans and leases to deposits | 82.6791% | 3,139 |
| Net loans and leases to core deposits | 84.7627% | 4,029 |
| Total domestic deposits to total assets | 86.0385% | 3,057 |
| Equity capital to assets | 12.8790% | 1,617 |
| Core capital (leverage) ratio | 12.0095% | 1,636 |
| Tier 1 risk-based capital ratio | 15.5310% | 2,873 |
| Total risk-based capital ratio | 16.2951% | 3,101 |
| Memoranda: | ||
| Average total assets | $227,559,330 | 2,843 |
| Average earning assets | $208,287,670 | 2,831 |
| Average equity | $29,014,330 | 2,261 |
| Average total loans | $160,806,000 | 2,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 2,922 |
| Cost of funding earning assets | 1.5115% | 3,482 |
| Net interest margin | 3.9126% | 3,273 |
| Noninterest income to average assets | 0.8854% | 1,683 |
| Noninterest expense to average assets | 3.0222% | 3,590 |
| Loan and lease loss provision to assets | 0.1502% | 5,041 |
| Net operating income to assets | 0.8819% | 2,626 |
| Return on assets (ROA) | 0.8819% | 2,698 |
| Pretax return on assets | 1.2813% | 2,103 |
| Return on Equity (ROE) | 6.9525% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.3794% | 5,254 |
| Net charge-offs to loans | 0.0882% | 4,539 |
| Credit loss provision to net charge-offs | 242.8571% | 1,581 |
| Earnings coverage of net charge-offs (x) | 23.1429% | 1,063 |
| Efficiency ratio | 67.6984% | 4,783 |
| Assets per employee ($millions) | 3.0306% | 6,143 |
| Cash dividends to net income (ytd only)* | 80.1603% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 7,147 |
| Loan loss allowance to noncurrent loans | 41.3691% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.5227% | 4,217 |
| Noncurrent loans to loans | 1.9167% | 3,904 |
| Net loans and leases to total assets | 69.5233% | 3,050 |
| Net loans and leases to deposits | 80.6678% | 3,521 |
| Net loans and leases to core deposits | 82.8554% | 4,372 |
| Total domestic deposits to total assets | 86.1847% | 3,042 |
| Equity capital to assets | 12.6454% | 1,681 |
| Core capital (leverage) ratio | 11.8835% | 1,702 |
| Tier 1 risk-based capital ratio | 15.6640% | 2,798 |
| Total risk-based capital ratio | 16.4023% | 2,998 |
| Memoranda: | ||
| Average total assets | $226,326,000 | 2,915 |
| Average earning assets | $206,412,000 | 2,915 |
| Average equity | $28,709,000 | 2,313 |
| Average total loans | $158,717,000 | 2,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 2,773 |
| Cost of funding earning assets | 1.9536% | 3,193 |
| Net interest margin | 3.8182% | 3,627 |
| Noninterest income to average assets | 0.7695% | 2,558 |
| Noninterest expense to average assets | 2.8222% | 4,880 |
| Loan and lease loss provision to assets | 0.2824% | 5,161 |
| Net operating income to assets | 0.8721% | 2,271 |
| Return on assets (ROA) | 0.8715% | 2,336 |
| Pretax return on assets | 1.1300% | 2,159 |
| Return on Equity (ROE) | 7.1201% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.6781% | 1,484 |
| Net charge-offs to loans | 0.4626% | 3,934 |
| Credit loss provision to net charge-offs | 87.3124% | 6,089 |
| Earnings coverage of net charge-offs (x) | 4.3697% | 2,970 |
| Efficiency ratio | 66.6319% | 5,262 |
| Assets per employee ($millions) | 3.0048% | 6,213 |
| Cash dividends to net income (ytd only)* | 20.2532% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 7,213 |
| Loan loss allowance to noncurrent loans | 41.3711% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 4,144 |
| Noncurrent loans to loans | 1.8539% | 3,858 |
| Net loans and leases to total assets | 69.6384% | 3,334 |
| Net loans and leases to deposits | 80.7410% | 3,850 |
| Net loans and leases to core deposits | 97.8819% | 4,230 |
| Total domestic deposits to total assets | 86.2491% | 2,890 |
| Equity capital to assets | 12.7245% | 1,630 |
| Core capital (leverage) ratio | 11.8059% | 1,754 |
| Tier 1 risk-based capital ratio | 15.8801% | 2,576 |
| Total risk-based capital ratio | 16.6019% | 2,733 |
| Memoranda: | ||
| Average total assets | $226,629,600 | 2,861 |
| Average earning assets | $205,727,800 | 2,896 |
| Average equity | $27,738,200 | 2,398 |
| Average total loans | $158,450,400 | 2,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7992% | 2,898 |
| Cost of funding earning assets | 2.0341% | 3,191 |
| Net interest margin | 3.7651% | 3,800 |
| Noninterest income to average assets | 0.7837% | 2,518 |
| Noninterest expense to average assets | 2.8012% | 4,895 |
| Loan and lease loss provision to assets | 0.2497% | 4,955 |
| Net operating income to assets | 0.8855% | 2,468 |
| Return on assets (ROA) | 0.8859% | 2,547 |
| Pretax return on assets | 1.1556% | 2,397 |
| Return on Equity (ROE) | 7.3103% | 2,945 |
| Retained earnings to average equity (ytd only) | 5.3713% | 2,272 |
| Net charge-offs to loans | 0.3507% | 3,888 |
| Credit loss provision to net charge-offs | 101.9185% | 4,994 |
| Earnings coverage of net charge-offs (x) | 5.7338% | 2,746 |
| Efficiency ratio | 66.6015% | 5,269 |
| Assets per employee ($millions) | 3.0535% | 6,034 |
| Cash dividends to net income (ytd only)* | 26.5252% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,998 |
| Loan loss allowance to noncurrent loans | 35.8820% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 3,664 |
| Noncurrent loans to loans | 2.3367% | 3,219 |
| Net loans and leases to total assets | 67.8571% | 3,991 |
| Net loans and leases to deposits | 78.5721% | 4,645 |
| Net loans and leases to core deposits | 96.6845% | 4,738 |
| Total domestic deposits to total assets | 86.3629% | 2,505 |
| Equity capital to assets | 12.4953% | 1,956 |
| Core capital (leverage) ratio | 11.7441% | 1,941 |
| Tier 1 risk-based capital ratio | 15.8094% | 2,700 |
| Total risk-based capital ratio | 16.5919% | 2,836 |
| Memoranda: | ||
| Average total assets | $226,947,000 | 2,870 |
| Average earning assets | $206,277,000 | 2,907 |
| Average equity | $27,503,750 | 2,434 |
| Average total loans | $158,525,500 | 2,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 3,362 |
| Cost of funding earning assets | 2.0775% | 3,380 |
| Net interest margin | 3.6594% | 4,124 |
| Noninterest income to average assets | 0.8106% | 2,364 |
| Noninterest expense to average assets | 2.7942% | 4,983 |
| Loan and lease loss provision to assets | 0.2652% | 4,458 |
| Net operating income to assets | 0.8086% | 2,823 |
| Return on assets (ROA) | 0.8079% | 2,920 |
| Pretax return on assets | 1.0731% | 2,724 |
| Return on Equity (ROE) | 6.7372% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.7887% | 3,190 |
| Net charge-offs to loans | 0.1910% | 4,352 |
| Credit loss provision to net charge-offs | 197.3684% | 2,315 |
| Earnings coverage of net charge-offs (x) | 9.9671% | 2,052 |
| Efficiency ratio | 67.6005% | 5,227 |
| Assets per employee ($millions) | 2.8787% | 6,452 |
| Cash dividends to net income (ytd only)* | 43.7637% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,693 |
| Loan loss allowance to noncurrent loans | 36.6641% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 3,242 |
| Noncurrent loans to loans | 2.5036% | 2,890 |
| Net loans and leases to total assets | 69.8481% | 3,740 |
| Net loans and leases to deposits | 80.7028% | 4,439 |
| Net loans and leases to core deposits | 98.2922% | 4,671 |
| Total domestic deposits to total assets | 86.5498% | 2,485 |
| Equity capital to assets | 12.2317% | 2,069 |
| Core capital (leverage) ratio | 11.5321% | 2,066 |
| Tier 1 risk-based capital ratio | 15.4553% | 2,828 |
| Total risk-based capital ratio | 16.3206% | 2,926 |
| Memoranda: | ||
| Average total assets | $226,257,670 | 2,900 |
| Average earning assets | $205,443,330 | 2,929 |
| Average equity | $27,133,000 | 2,465 |
| Average total loans | $159,128,330 | 2,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 3,245 |
| Cost of funding earning assets | 2.1266% | 3,528 |
| Net interest margin | 3.6841% | 3,966 |
| Noninterest income to average assets | 0.8348% | 2,156 |
| Noninterest expense to average assets | 2.7193% | 4,915 |
| Loan and lease loss provision to assets | 0.2659% | 3,836 |
| Net operating income to assets | 0.8595% | 2,878 |
| Return on assets (ROA) | 0.8595% | 3,029 |
| Pretax return on assets | 1.1906% | 2,659 |
| Return on Equity (ROE) | 7.2385% | 3,486 |
| Retained earnings to average equity (ytd only) | 1.3053% | 5,115 |
| Net charge-offs to loans | 0.1504% | 3,757 |
| Credit loss provision to net charge-offs | 251.6667% | 1,866 |
| Earnings coverage of net charge-offs (x) | 13.7833% | 1,719 |
| Efficiency ratio | 65.1202% | 5,486 |
| Assets per employee ($millions) | 3.3071% | 5,311 |
| Cash dividends to net income (ytd only)* | 81.9672% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,800 |
| Loan loss allowance to noncurrent loans | 28.2763% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 2,480 |
| Noncurrent loans to loans | 3.1441% | 2,056 |
| Net loans and leases to total assets | 68.2025% | 4,086 |
| Net loans and leases to deposits | 80.6227% | 4,515 |
| Net loans and leases to core deposits | 99.4377% | 4,595 |
| Total domestic deposits to total assets | 84.5947% | 3,416 |
| Equity capital to assets | 11.8529% | 2,349 |
| Core capital (leverage) ratio | 11.2299% | 2,316 |
| Tier 1 risk-based capital ratio | 15.4800% | 2,861 |
| Total risk-based capital ratio | 16.3265% | 2,971 |
| Memoranda: | ||
| Average total assets | $227,116,500 | 2,903 |
| Average earning assets | $205,964,500 | 2,938 |
| Average equity | $26,967,000 | 2,494 |
| Average total loans | $159,547,500 | 2,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6478% | 2,255 |
| Cost of funding earning assets | 2.6305% | 3,528 |
| Net interest margin | 4.0173% | 3,037 |
| Noninterest income to average assets | 0.6534% | 3,448 |
| Noninterest expense to average assets | 2.7033% | 5,254 |
| Loan and lease loss provision to assets | 0.1583% | 5,345 |
| Net operating income to assets | 0.9206% | 2,914 |
| Return on assets (ROA) | 0.9385% | 2,697 |
| Pretax return on assets | 1.4555% | 1,805 |
| Return on Equity (ROE) | 7.9728% | 3,086 |
| Retained earnings to average equity (ytd only) | 6.4179% | 1,357 |
| Net charge-offs to loans | 0.4615% | 2,521 |
| Credit loss provision to net charge-offs | 48.9392% | 6,363 |
| Earnings coverage of net charge-offs (x) | 4.9024% | 3,817 |
| Efficiency ratio | 63.0254% | 5,771 |
| Assets per employee ($millions) | 3.2760% | 5,273 |
| Cash dividends to net income (ytd only)* | 19.5027% | 4,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 7,086 |
| Loan loss allowance to noncurrent loans | 36.3712% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 2,679 |
| Noncurrent loans to loans | 2.2139% | 2,490 |
| Net loans and leases to total assets | 71.1204% | 3,767 |
| Net loans and leases to deposits | 85.3997% | 4,194 |
| Net loans and leases to core deposits | 106.1352% | 4,184 |
| Total domestic deposits to total assets | 83.2794% | 3,660 |
| Equity capital to assets | 11.8945% | 2,361 |
| Core capital (leverage) ratio | 11.5523% | 2,220 |
| Tier 1 risk-based capital ratio | 14.9074% | 3,085 |
| Total risk-based capital ratio | 15.6720% | 3,243 |
| Memoranda: | ||
| Average total assets | $218,551,400 | 2,892 |
| Average earning assets | $197,794,800 | 2,916 |
| Average equity | $25,725,000 | 2,583 |
| Average total loans | $153,198,400 | 2,869 |