Home > First Northern Bank of Wyoming > Performance and Condition Ratios
First Northern Bank of Wyoming, 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 | 5.3708% | 1,360 |
| Cost of funding earning assets | 1.7243% | 1,401 |
| Net interest margin | 3.6465% | 1,868 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 3.2482% | 780 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.8352% | 2,759 |
| Return on assets (ROA) | 0.6823% | 3,213 |
| Pretax return on assets | 0.6823% | 3,471 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 2.7628% | 3,355 |
| Net charge-offs to loans | 0.0909% | 970 |
| Credit loss provision to net charge-offs | 241.9689% | 1,097 |
| Earnings coverage of net charge-offs (x) | 19.2953% | 1,903 |
| Efficiency ratio | 74.2695% | 1,428 |
| Assets per employee ($millions) | 5.6567% | 3,108 |
| Cash dividends to net income (ytd only)* | 74.1359% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 2,451 |
| Loan loss allowance to noncurrent loans | 138.8474% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 1,102 |
| Noncurrent loans to loans | 0.8437% | 910 |
| Net loans and leases to total assets | 59.1800% | 2,925 |
| Net loans and leases to deposits | 63.7675% | 3,300 |
| Net loans and leases to core deposits | 79.2359% | 2,757 |
| Total domestic deposits to total assets | 92.8100% | 194 |
| Equity capital to assets | 6.9143% | 3,970 |
| Core capital (leverage) ratio | 8.0855% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7527% | 1,957 |
| Memoranda: | ||
| Average total assets | $746,326,000 | 1,248 |
| Average earning assets | $700,515,600 | 1,232 |
| Average equity | $47,668,800 | 1,662 |
| Average total loans | $424,716,200 | 1,413 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,623 |
| Cost of funding earning assets | 1.6433% | 1,296 |
| Net interest margin | 3.4652% | 2,296 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.2273% | 785 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7633% | 3,127 |
| Return on assets (ROA) | 0.7633% | 3,125 |
| Pretax return on assets | 0.7633% | 3,416 |
| Return on Equity (ROE) | 12.2100% | 2,071 |
| Retained earnings to average equity (ytd only) | 2.3476% | 3,658 |
| Net charge-offs to loans | 0.1100% | 724 |
| Credit loss provision to net charge-offs | 130.3207% | 1,418 |
| Earnings coverage of net charge-offs (x) | 13.6647% | 2,026 |
| Efficiency ratio | 77.1459% | 1,081 |
| Assets per employee ($millions) | 5.4510% | 3,223 |
| Cash dividends to net income (ytd only)* | 80.7783% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,741 |
| Loan loss allowance to noncurrent loans | 161.8627% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 1,413 |
| Noncurrent loans to loans | 0.6955% | 1,185 |
| Net loans and leases to total assets | 58.2500% | 3,012 |
| Net loans and leases to deposits | 63.1657% | 3,316 |
| Net loans and leases to core deposits | 78.7787% | 2,690 |
| Total domestic deposits to total assets | 92.2300% | 414 |
| Equity capital to assets | 5.7823% | 4,059 |
| Core capital (leverage) ratio | 8.2520% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0763% | 1,871 |
| Memoranda: | ||
| Average total assets | $740,578,250 | 1,252 |
| Average earning assets | $694,270,750 | 1,236 |
| Average equity | $46,287,750 | 1,689 |
| Average total loans | $415,721,500 | 1,430 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 1,588 |
| Cost of funding earning assets | 1.5062% | 1,228 |
| Net interest margin | 3.4813% | 2,307 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 3.2693% | 718 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7431% | 3,238 |
| Return on assets (ROA) | 0.7431% | 3,255 |
| Pretax return on assets | 0.7431% | 3,516 |
| Return on Equity (ROE) | 11.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | -1.3989% | 4,249 |
| Net charge-offs to loans | 0.0128% | 1,715 |
| Credit loss provision to net charge-offs | 588.4615% | 582 |
| Earnings coverage of net charge-offs (x) | 111.4231% | 883 |
| Efficiency ratio | 78.2885% | 982 |
| Assets per employee ($millions) | 5.6373% | 3,030 |
| Cash dividends to net income (ytd only)* | 112.0627% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,523 |
| Loan loss allowance to noncurrent loans | 162.7740% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 1,282 |
| Noncurrent loans to loans | 0.7268% | 1,029 |
| Net loans and leases to total assets | 56.7200% | 3,068 |
| Net loans and leases to deposits | 62.6755% | 3,267 |
| Net loans and leases to core deposits | 77.7852% | 2,629 |
| Total domestic deposits to total assets | 90.5000% | 782 |
| Equity capital to assets | 6.4358% | 4,019 |
| Core capital (leverage) ratio | 8.2247% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1355% | 1,837 |
| Memoranda: | ||
| Average total assets | $738,510,667 | 1,250 |
| Average earning assets | $691,932,000 | 1,235 |
| Average equity | $47,323,333 | 1,668 |
| Average total loans | $407,632,000 | 1,441 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 1,445 |
| Cost of funding earning assets | 1.2627% | 1,315 |
| Net interest margin | 3.6205% | 2,082 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.1489% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9545% | 2,672 |
| Return on assets (ROA) | 0.9545% | 2,636 |
| Pretax return on assets | 0.9545% | 3,111 |
| Return on Equity (ROE) | 14.9300% | 1,566 |
| Retained earnings to average equity (ytd only) | 5.8562% | 2,805 |
| Net charge-offs to loans | 0.0100% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 176.9000% | 545 |
| Efficiency ratio | 74.4116% | 1,294 |
| Assets per employee ($millions) | 5.6332% | 3,086 |
| Cash dividends to net income (ytd only)* | 60.7688% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,571 |
| Loan loss allowance to noncurrent loans | 168.7238% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 1,220 |
| Noncurrent loans to loans | 0.7096% | 1,074 |
| Net loans and leases to total assets | 54.1100% | 3,195 |
| Net loans and leases to deposits | 59.3957% | 3,375 |
| Net loans and leases to core deposits | 70.1709% | 2,943 |
| Total domestic deposits to total assets | 91.1100% | 764 |
| Equity capital to assets | 7.0309% | 3,814 |
| Core capital (leverage) ratio | 8.2093% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6222% | 1,760 |
| Memoranda: | ||
| Average total assets | $741,340,500 | 1,265 |
| Average earning assets | $694,046,500 | 1,247 |
| Average equity | $47,402,500 | 1,675 |
| Average total loans | $401,130,000 | 1,469 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 1,424 |
| Cost of funding earning assets | 0.5042% | 1,358 |
| Net interest margin | 3.6188% | 1,591 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 3.2828% | 644 |
| Loan and lease loss provision to assets | -0.2500% | 4,648 |
| Net operating income to assets | 1.6245% | 646 |
| Return on assets (ROA) | 1.6231% | 617 |
| Pretax return on assets | 1.6231% | 1,103 |
| Return on Equity (ROE) | 28.1700% | 143 |
| Retained earnings to average equity (ytd only) | 16.7903% | 184 |
| Net charge-offs to loans | 0.0123% | 1,924 |
| Credit loss provision to net charge-offs | -3,512.1951% | 4,699 |
| Earnings coverage of net charge-offs (x) | 193.2683% | 659 |
| Efficiency ratio | 69.6540% | 1,734 |
| Assets per employee ($millions) | 5.5564% | 3,160 |
| Cash dividends to net income (ytd only)* | 40.4019% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,642 |
| Loan loss allowance to noncurrent loans | 536.3938% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 1,980 |
| Noncurrent loans to loans | 0.2540% | 2,249 |
| Net loans and leases to total assets | 61.3500% | 2,512 |
| Net loans and leases to deposits | 64.8493% | 2,969 |
| Net loans and leases to core deposits | 73.3955% | 2,614 |
| Total domestic deposits to total assets | 94.6000% | 186 |
| Equity capital to assets | 5.1955% | 4,315 |
| Core capital (leverage) ratio | 8.0422% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5524% | 2,150 |
| Memoranda: | ||
| Average total assets | $576,429,800 | 1,550 |
| Average earning assets | $547,640,200 | 1,508 |
| Average equity | $33,209,600 | 2,188 |
| Average total loans | $333,278,800 | 1,593 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 1,374 |
| Cost of funding earning assets | 0.3813% | 1,430 |
| Net interest margin | 3.5638% | 1,482 |
| Noninterest income to average assets | 1.1900% | 509 |
| Noninterest expense to average assets | 3.1657% | 717 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 1.5788% | 689 |
| Return on assets (ROA) | 1.5770% | 674 |
| Pretax return on assets | 1.5770% | 1,184 |
| Return on Equity (ROE) | 26.7200% | 140 |
| Retained earnings to average equity (ytd only) | 16.4322% | 249 |
| Net charge-offs to loans | 0.0126% | 1,648 |
| Credit loss provision to net charge-offs | -2,225.8065% | 4,739 |
| Earnings coverage of net charge-offs (x) | 198.3226% | 624 |
| Efficiency ratio | 68.0699% | 2,015 |
| Assets per employee ($millions) | 5.7382% | 3,000 |
| Cash dividends to net income (ytd only)* | 38.5066% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,017 |
| Loan loss allowance to noncurrent loans | 236.5668% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,180 |
| Noncurrent loans to loans | 0.6883% | 1,184 |
| Net loans and leases to total assets | 58.4700% | 2,642 |
| Net loans and leases to deposits | 61.4843% | 3,069 |
| Net loans and leases to core deposits | 69.5360% | 2,671 |
| Total domestic deposits to total assets | 95.1000% | 204 |
| Equity capital to assets | 4.5663% | 4,384 |
| Core capital (leverage) ratio | 7.9992% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5624% | 1,544 |
| Memoranda: | ||
| Average total assets | $577,461,000 | 1,554 |
| Average earning assets | $550,403,250 | 1,508 |
| Average equity | $34,078,500 | 2,185 |
| Average total loans | $327,613,500 | 1,609 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 1,483 |
| Cost of funding earning assets | 0.2852% | 1,848 |
| Net interest margin | 3.4385% | 1,488 |
| Noninterest income to average assets | 1.2001% | 477 |
| Noninterest expense to average assets | 3.1757% | 656 |
| Loan and lease loss provision to assets | 0.0208% | 2,230 |
| Net operating income to assets | 1.2851% | 1,181 |
| Return on assets (ROA) | 1.2820% | 1,173 |
| Pretax return on assets | 1.2820% | 1,806 |
| Return on Equity (ROE) | 20.1930% | 295 |
| Retained earnings to average equity (ytd only) | 12.0273% | 601 |
| Net charge-offs to loans | 0.0087% | 1,660 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 440 |
| Efficiency ratio | 69.8623% | 1,980 |
| Assets per employee ($millions) | 5.7419% | 2,986 |
| Cash dividends to net income (ytd only)* | 40.4382% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 625 |
| Loan loss allowance to noncurrent loans | 356.4002% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 1,547 |
| Noncurrent loans to loans | 0.5419% | 1,531 |
| Net loans and leases to total assets | 56.3885% | 2,709 |
| Net loans and leases to deposits | 59.7709% | 3,065 |
| Net loans and leases to core deposits | 68.2696% | 2,626 |
| Total domestic deposits to total assets | 94.3409% | 226 |
| Equity capital to assets | 5.3566% | 4,405 |
| Core capital (leverage) ratio | 7.6330% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6395% | 2,231 |
| Memoranda: | ||
| Average total assets | $576,762,667 | 1,557 |
| Average earning assets | $550,420,333 | 1,519 |
| Average equity | $36,616,667 | 2,133 |
| Average total loans | $321,989,000 | 1,625 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 1,500 |
| Cost of funding earning assets | 0.2517% | 2,136 |
| Net interest margin | 3.3508% | 1,440 |
| Noninterest income to average assets | 1.1535% | 515 |
| Noninterest expense to average assets | 3.1949% | 608 |
| Loan and lease loss provision to assets | 0.0415% | 1,607 |
| Net operating income to assets | 1.1141% | 1,493 |
| Return on assets (ROA) | 1.1079% | 1,497 |
| Pretax return on assets | 1.1079% | 2,116 |
| Return on Equity (ROE) | 16.1936% | 515 |
| Retained earnings to average equity (ytd only) | 8.5570% | 1,407 |
| Net charge-offs to loans | 0.0818% | 594 |
| Credit loss provision to net charge-offs | 92.3077% | 1,071 |
| Earnings coverage of net charge-offs (x) | 25.6923% | 1,197 |
| Efficiency ratio | 72.4193% | 1,922 |
| Assets per employee ($millions) | 5.4859% | 3,326 |
| Cash dividends to net income (ytd only)* | 47.1580% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9882% | 629 |
| Loan loss allowance to noncurrent loans | 287.8926% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 1,329 |
| Noncurrent loans to loans | 0.6906% | 1,371 |
| Net loans and leases to total assets | 53.1191% | 2,861 |
| Net loans and leases to deposits | 57.2741% | 3,152 |
| Net loans and leases to core deposits | 65.8191% | 2,643 |
| Total domestic deposits to total assets | 92.7454% | 331 |
| Equity capital to assets | 6.1481% | 4,551 |
| Core capital (leverage) ratio | 7.5595% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0113% | 2,195 |
| Memoranda: | ||
| Average total assets | $578,048,000 | 1,562 |
| Average earning assets | $551,503,000 | 1,528 |
| Average equity | $39,546,500 | 2,073 |
| Average total loans | $317,906,500 | 1,628 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 1,096 |
| Cost of funding earning assets | 0.4361% | 1,279 |
| Net interest margin | 3.7050% | 1,199 |
| Noninterest income to average assets | 1.7233% | 386 |
| Noninterest expense to average assets | 3.3645% | 577 |
| Loan and lease loss provision to assets | 0.0023% | 3,030 |
| Net operating income to assets | 1.8709% | 436 |
| Return on assets (ROA) | 1.8487% | 481 |
| Pretax return on assets | 1.8487% | 814 |
| Return on Equity (ROE) | 23.4099% | 159 |
| Retained earnings to average equity (ytd only) | 11.5845% | 597 |
| Net charge-offs to loans | 0.0597% | 1,184 |
| Credit loss provision to net charge-offs | 6.3830% | 2,315 |
| Earnings coverage of net charge-offs (x) | 52.9202% | 1,267 |
| Efficiency ratio | 63.5860% | 2,629 |
| Assets per employee ($millions) | 5.2694% | 3,500 |
| Cash dividends to net income (ytd only)* | 50.5143% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 613 |
| Loan loss allowance to noncurrent loans | 413.7255% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 1,800 |
| Noncurrent loans to loans | 0.4816% | 1,922 |
| Net loans and leases to total assets | 54.7094% | 2,763 |
| Net loans and leases to deposits | 61.0822% | 2,982 |
| Net loans and leases to core deposits | 70.4711% | 2,402 |
| Total domestic deposits to total assets | 89.5669% | 1,196 |
| Equity capital to assets | 7.5565% | 4,574 |
| Core capital (leverage) ratio | 7.4693% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7495% | 2,342 |
| Memoranda: | ||
| Average total assets | $531,126,600 | 1,621 |
| Average earning assets | $503,810,200 | 1,594 |
| Average equity | $41,943,800 | 2,014 |
| Average total loans | $314,913,600 | 1,645 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 1,120 |
| Cost of funding earning assets | 0.4587% | 1,295 |
| Net interest margin | 3.7363% | 1,259 |
| Noninterest income to average assets | 1.8132% | 394 |
| Noninterest expense to average assets | 3.2387% | 668 |
| Loan and lease loss provision to assets | 0.0031% | 2,907 |
| Net operating income to assets | 2.1105% | 384 |
| Return on assets (ROA) | 2.0803% | 433 |
| Pretax return on assets | 2.0803% | 699 |
| Return on Equity (ROE) | 26.0366% | 152 |
| Retained earnings to average equity (ytd only) | 16.1037% | 291 |
| Net charge-offs to loans | 0.0904% | 798 |
| Credit loss provision to net charge-offs | 5.6338% | 2,035 |
| Earnings coverage of net charge-offs (x) | 38.8216% | 1,389 |
| Efficiency ratio | 59.9618% | 2,983 |
| Assets per employee ($millions) | 5.5554% | 3,140 |
| Cash dividends to net income (ytd only)* | 38.1496% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 718 |
| Loan loss allowance to noncurrent loans | 183.2849% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 1,131 |
| Noncurrent loans to loans | 1.0563% | 1,075 |
| Net loans and leases to total assets | 58.0691% | 2,485 |
| Net loans and leases to deposits | 65.4065% | 2,688 |
| Net loans and leases to core deposits | 76.0668% | 2,041 |
| Total domestic deposits to total assets | 88.7819% | 1,411 |
| Equity capital to assets | 8.0722% | 4,483 |
| Core capital (leverage) ratio | 7.9878% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3769% | 2,590 |
| Memoranda: | ||
| Average total assets | $521,633,250 | 1,657 |
| Average earning assets | $494,094,250 | 1,635 |
| Average equity | $41,678,750 | 2,056 |
| Average total loans | $314,221,750 | 1,676 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 1,494 |
| Cost of funding earning assets | 0.4810% | 1,314 |
| Net interest margin | 3.5499% | 1,712 |
| Noninterest income to average assets | 1.9161% | 354 |
| Noninterest expense to average assets | 3.3094% | 608 |
| Loan and lease loss provision to assets | 0.0047% | 2,793 |
| Net operating income to assets | 1.9680% | 514 |
| Return on assets (ROA) | 1.9220% | 589 |
| Pretax return on assets | 1.9220% | 974 |
| Return on Equity (ROE) | 24.1434% | 226 |
| Retained earnings to average equity (ytd only) | 13.9406% | 553 |
| Net charge-offs to loans | 0.1514% | 546 |
| Credit loss provision to net charge-offs | 5.1064% | 1,785 |
| Earnings coverage of net charge-offs (x) | 21.4979% | 1,506 |
| Efficiency ratio | 62.0832% | 2,716 |
| Assets per employee ($millions) | 5.5521% | 3,065 |
| Cash dividends to net income (ytd only)* | 42.2592% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 696 |
| Loan loss allowance to noncurrent loans | 234.4403% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 1,643 |
| Noncurrent loans to loans | 0.8242% | 1,488 |
| Net loans and leases to total assets | 60.4546% | 2,370 |
| Net loans and leases to deposits | 68.1196% | 2,604 |
| Net loans and leases to core deposits | 80.5080% | 1,846 |
| Total domestic deposits to total assets | 88.7478% | 1,416 |
| Equity capital to assets | 8.0316% | 4,514 |
| Core capital (leverage) ratio | 7.7364% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9110% | 2,399 |
| Memoranda: | ||
| Average total assets | $512,183,000 | 1,669 |
| Average earning assets | $485,642,333 | 1,649 |
| Average equity | $40,773,000 | 2,070 |
| Average total loans | $310,403,667 | 1,697 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 2,685 |
| Cost of funding earning assets | 0.5038% | 1,370 |
| Net interest margin | 3.0829% | 3,045 |
| Noninterest income to average assets | 2.1183% | 344 |
| Noninterest expense to average assets | 3.4098% | 522 |
| Loan and lease loss provision to assets | 0.0095% | 2,651 |
| Net operating income to assets | 1.6244% | 1,072 |
| Return on assets (ROA) | 1.5309% | 1,324 |
| Pretax return on assets | 1.5309% | 1,914 |
| Return on Equity (ROE) | 19.3206% | 586 |
| Retained earnings to average equity (ytd only) | 7.2640% | 2,490 |
| Net charge-offs to loans | 0.0898% | 745 |
| Credit loss provision to net charge-offs | 17.6471% | 1,431 |
| Earnings coverage of net charge-offs (x) | 30.3088% | 1,092 |
| Efficiency ratio | 67.0072% | 2,083 |
| Assets per employee ($millions) | 5.3749% | 3,251 |
| Cash dividends to net income (ytd only)* | 62.4029% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 519 |
| Loan loss allowance to noncurrent loans | 215.3589% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 1,571 |
| Noncurrent loans to loans | 0.9643% | 1,404 |
| Net loans and leases to total assets | 58.9444% | 2,684 |
| Net loans and leases to deposits | 66.4568% | 2,871 |
| Net loans and leases to core deposits | 78.1581% | 2,169 |
| Total domestic deposits to total assets | 88.6958% | 1,507 |
| Equity capital to assets | 7.6883% | 4,643 |
| Core capital (leverage) ratio | 7.5977% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3598% | 2,542 |
| Memoranda: | ||
| Average total assets | $504,548,500 | 1,679 |
| Average earning assets | $478,764,000 | 1,651 |
| Average equity | $39,978,000 | 2,092 |
| Average total loans | $303,029,500 | 1,729 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 882 |
| Cost of funding earning assets | 0.7914% | 1,247 |
| Net interest margin | 3.9169% | 1,171 |
| Noninterest income to average assets | 1.8286% | 380 |
| Noninterest expense to average assets | 3.5783% | 621 |
| Loan and lease loss provision to assets | 0.4294% | 674 |
| Net operating income to assets | 1.5107% | 788 |
| Return on assets (ROA) | 1.5137% | 851 |
| Pretax return on assets | 1.5137% | 1,290 |
| Return on Equity (ROE) | 17.8653% | 344 |
| Retained earnings to average equity (ytd only) | 8.7642% | 832 |
| Net charge-offs to loans | 0.0690% | 1,804 |
| Credit loss provision to net charge-offs | 955.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 43.1500% | 1,322 |
| Efficiency ratio | 64.2115% | 2,787 |
| Assets per employee ($millions) | 5.1365% | 3,245 |
| Cash dividends to net income (ytd only)* | 50.9431% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 409 |
| Loan loss allowance to noncurrent loans | 255.9009% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 1,920 |
| Noncurrent loans to loans | 0.8604% | 1,640 |
| Net loans and leases to total assets | 58.5992% | 3,026 |
| Net loans and leases to deposits | 66.2256% | 3,249 |
| Net loans and leases to core deposits | 77.8707% | 2,559 |
| Total domestic deposits to total assets | 88.4843% | 1,239 |
| Equity capital to assets | 8.1697% | 4,633 |
| Core capital (leverage) ratio | 7.6088% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2234% | 2,156 |
| Memoranda: | ||
| Average total assets | $444,814,000 | 1,719 |
| Average earning assets | $419,027,600 | 1,695 |
| Average equity | $37,687,600 | 2,101 |
| Average total loans | $289,819,200 | 1,728 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 658 |
| Cost of funding earning assets | 0.8625% | 1,201 |
| Net interest margin | 4.0921% | 910 |
| Noninterest income to average assets | 1.6838% | 411 |
| Noninterest expense to average assets | 3.4723% | 730 |
| Loan and lease loss provision to assets | 0.3797% | 965 |
| Net operating income to assets | 1.6795% | 603 |
| Return on assets (ROA) | 1.6949% | 643 |
| Pretax return on assets | 1.6949% | 975 |
| Return on Equity (ROE) | 19.8025% | 245 |
| Retained earnings to average equity (ytd only) | 11.0550% | 563 |
| Net charge-offs to loans | 0.0749% | 1,564 |
| Credit loss provision to net charge-offs | 760.4938% | 1,016 |
| Earnings coverage of net charge-offs (x) | 41.2531% | 1,335 |
| Efficiency ratio | 62.1233% | 3,056 |
| Assets per employee ($millions) | 5.4226% | 2,778 |
| Cash dividends to net income (ytd only)* | 44.1738% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 579 |
| Loan loss allowance to noncurrent loans | 230.2198% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 2,064 |
| Noncurrent loans to loans | 0.8273% | 1,771 |
| Net loans and leases to total assets | 61.9073% | 3,022 |
| Net loans and leases to deposits | 70.1843% | 3,301 |
| Net loans and leases to core deposits | 81.6820% | 2,684 |
| Total domestic deposits to total assets | 88.2067% | 1,107 |
| Equity capital to assets | 8.2474% | 4,608 |
| Core capital (leverage) ratio | 7.8757% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6947% | 2,327 |
| Memoranda: | ||
| Average total assets | $432,742,000 | 1,729 |
| Average earning assets | $406,888,750 | 1,719 |
| Average equity | $37,038,250 | 2,118 |
| Average total loans | $288,409,250 | 1,730 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 782 |
| Cost of funding earning assets | 0.9319% | 1,233 |
| Net interest margin | 4.1023% | 1,108 |
| Noninterest income to average assets | 1.5056% | 463 |
| Noninterest expense to average assets | 3.5654% | 683 |
| Loan and lease loss provision to assets | 0.3239% | 1,319 |
| Net operating income to assets | 1.4627% | 989 |
| Return on assets (ROA) | 1.4863% | 1,027 |
| Pretax return on assets | 1.4863% | 1,487 |
| Return on Equity (ROE) | 17.1209% | 438 |
| Retained earnings to average equity (ytd only) | 9.8644% | 813 |
| Net charge-offs to loans | 0.0511% | 1,758 |
| Credit loss provision to net charge-offs | 931.9444% | 828 |
| Earnings coverage of net charge-offs (x) | 51.4028% | 1,083 |
| Efficiency ratio | 65.9150% | 2,527 |
| Assets per employee ($millions) | 5.1328% | 3,023 |
| Cash dividends to net income (ytd only)* | 42.3839% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 749 |
| Loan loss allowance to noncurrent loans | 199.3351% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 1,922 |
| Noncurrent loans to loans | 0.8726% | 1,748 |
| Net loans and leases to total assets | 64.5549% | 2,811 |
| Net loans and leases to deposits | 73.1793% | 3,148 |
| Net loans and leases to core deposits | 88.4958% | 2,197 |
| Total domestic deposits to total assets | 88.2147% | 1,079 |
| Equity capital to assets | 8.2229% | 4,625 |
| Core capital (leverage) ratio | 8.1506% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9463% | 2,636 |
| Memoranda: | ||
| Average total assets | $414,311,667 | 1,767 |
| Average earning assets | $388,469,333 | 1,760 |
| Average equity | $35,967,667 | 2,165 |
| Average total loans | $281,881,000 | 1,741 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 654 |
| Cost of funding earning assets | 1.0177% | 1,346 |
| Net interest margin | 4.1874% | 947 |
| Noninterest income to average assets | 1.2352% | 578 |
| Noninterest expense to average assets | 3.5645% | 852 |
| Loan and lease loss provision to assets | 0.1515% | 1,880 |
| Net operating income to assets | 1.4314% | 922 |
| Return on assets (ROA) | 1.4605% | 930 |
| Pretax return on assets | 1.4605% | 1,412 |
| Return on Equity (ROE) | 16.2958% | 393 |
| Retained earnings to average equity (ytd only) | 7.6093% | 1,344 |
| Net charge-offs to loans | 0.0179% | 2,015 |
| Credit loss provision to net charge-offs | 1,216.6667% | 500 |
| Earnings coverage of net charge-offs (x) | 127.0833% | 487 |
| Efficiency ratio | 68.4614% | 2,592 |
| Assets per employee ($millions) | 4.2486% | 3,596 |
| Cash dividends to net income (ytd only)* | 53.3049% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 716 |
| Loan loss allowance to noncurrent loans | 161.6066% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,571 |
| Noncurrent loans to loans | 1.1101% | 1,493 |
| Net loans and leases to total assets | 69.0284% | 2,392 |
| Net loans and leases to deposits | 76.1234% | 3,064 |
| Net loans and leases to core deposits | 94.8396% | 1,896 |
| Total domestic deposits to total assets | 90.6796% | 153 |
| Equity capital to assets | 8.6895% | 4,746 |
| Core capital (leverage) ratio | 9.0164% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4001% | 2,969 |
| Memoranda: | ||
| Average total assets | $385,360,000 | 1,821 |
| Average earning assets | $360,036,000 | 1,814 |
| Average equity | $34,536,500 | 2,220 |
| Average total loans | $267,704,500 | 1,768 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 755 |
| Cost of funding earning assets | 1.0434% | 1,542 |
| Net interest margin | 4.2994% | 1,092 |
| Noninterest income to average assets | 1.3409% | 531 |
| Noninterest expense to average assets | 3.7894% | 681 |
| Loan and lease loss provision to assets | 0.2193% | 888 |
| Net operating income to assets | 1.3370% | 1,557 |
| Return on assets (ROA) | 1.2698% | 1,888 |
| Pretax return on assets | 1.2698% | 2,611 |
| Return on Equity (ROE) | 14.1546% | 871 |
| Retained earnings to average equity (ytd only) | 12.1505% | 230 |
| Net charge-offs to loans | 0.1255% | 1,510 |
| Credit loss provision to net charge-offs | 243.2515% | 1,114 |
| Earnings coverage of net charge-offs (x) | 17.2607% | 2,119 |
| Efficiency ratio | 70.1573% | 2,140 |
| Assets per employee ($millions) | 4.0844% | 3,802 |
| Cash dividends to net income (ytd only)* | 14.1581% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 616 |
| Loan loss allowance to noncurrent loans | 118.8057% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 1,028 |
| Noncurrent loans to loans | 1.5483% | 921 |
| Net loans and leases to total assets | 67.3618% | 2,776 |
| Net loans and leases to deposits | 74.7221% | 3,288 |
| Net loans and leases to core deposits | 89.2339% | 2,489 |
| Total domestic deposits to total assets | 90.1497% | 275 |
| Equity capital to assets | 9.2427% | 4,537 |
| Core capital (leverage) ratio | 9.0630% | 4,473 |
| Tier 1 risk-based capital ratio | 13.0923% | 3,748 |
| Total risk-based capital ratio | 14.3498% | 3,628 |
| Memoranda: | ||
| Average total assets | $361,558,800 | 1,869 |
| Average earning assets | $336,790,600 | 1,858 |
| Average equity | $32,434,800 | 2,277 |
| Average total loans | $259,767,400 | 1,779 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 661 |
| Cost of funding earning assets | 1.0477% | 1,546 |
| Net interest margin | 4.3822% | 984 |
| Noninterest income to average assets | 1.1836% | 657 |
| Noninterest expense to average assets | 3.6329% | 816 |
| Loan and lease loss provision to assets | 0.2835% | 528 |
| Net operating income to assets | 1.3475% | 1,655 |
| Return on assets (ROA) | 1.2568% | 2,077 |
| Pretax return on assets | 1.2568% | 2,792 |
| Return on Equity (ROE) | 14.1235% | 956 |
| Retained earnings to average equity (ytd only) | 11.8151% | 407 |
| Net charge-offs to loans | 0.0776% | 1,715 |
| Credit loss provision to net charge-offs | 502.6490% | 619 |
| Earnings coverage of net charge-offs (x) | 28.9203% | 1,668 |
| Efficiency ratio | 68.2702% | 2,370 |
| Assets per employee ($millions) | 4.0311% | 3,858 |
| Cash dividends to net income (ytd only)* | 16.3449% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 613 |
| Loan loss allowance to noncurrent loans | 92.5225% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 739 |
| Noncurrent loans to loans | 1.9961% | 677 |
| Net loans and leases to total assets | 70.7489% | 2,369 |
| Net loans and leases to deposits | 78.7079% | 3,035 |
| Net loans and leases to core deposits | 95.6091% | 2,036 |
| Total domestic deposits to total assets | 89.8880% | 315 |
| Equity capital to assets | 9.2589% | 4,627 |
| Core capital (leverage) ratio | 9.0352% | 4,611 |
| Tier 1 risk-based capital ratio | 12.4806% | 4,155 |
| Total risk-based capital ratio | 13.7381% | 4,030 |
| Memoranda: | ||
| Average total assets | $356,987,000 | 1,899 |
| Average earning assets | $332,395,250 | 1,888 |
| Average equity | $31,766,500 | 2,325 |
| Average total loans | $259,542,750 | 1,792 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 707 |
| Cost of funding earning assets | 1.0548% | 1,475 |
| Net interest margin | 4.3232% | 1,093 |
| Noninterest income to average assets | 1.0853% | 719 |
| Noninterest expense to average assets | 3.6315% | 818 |
| Loan and lease loss provision to assets | 0.2827% | 516 |
| Net operating income to assets | 1.1982% | 2,155 |
| Return on assets (ROA) | 1.0603% | 2,743 |
| Pretax return on assets | 1.0603% | 3,350 |
| Return on Equity (ROE) | 12.0870% | 1,543 |
| Retained earnings to average equity (ytd only) | 10.3076% | 673 |
| Net charge-offs to loans | 0.0693% | 1,668 |
| Credit loss provision to net charge-offs | 559.5506% | 552 |
| Earnings coverage of net charge-offs (x) | 29.3146% | 1,490 |
| Efficiency ratio | 70.2565% | 2,182 |
| Assets per employee ($millions) | 4.1668% | 3,627 |
| Cash dividends to net income (ytd only)* | 14.7216% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 737 |
| Loan loss allowance to noncurrent loans | 114.6141% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 1,194 |
| Noncurrent loans to loans | 1.5357% | 1,000 |
| Net loans and leases to total assets | 72.1061% | 2,204 |
| Net loans and leases to deposits | 81.6629% | 2,768 |
| Net loans and leases to core deposits | 101.1512% | 1,622 |
| Total domestic deposits to total assets | 88.2973% | 967 |
| Equity capital to assets | 8.9365% | 4,830 |
| Core capital (leverage) ratio | 8.8718% | 4,738 |
| Tier 1 risk-based capital ratio | 11.7690% | 4,534 |
| Total risk-based capital ratio | 13.0253% | 4,431 |
| Memoranda: | ||
| Average total assets | $352,361,000 | 1,928 |
| Average earning assets | $328,226,330 | 1,916 |
| Average equity | $30,909,330 | 2,360 |
| Average total loans | $256,950,330 | 1,812 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 873 |
| Cost of funding earning assets | 0.9746% | 1,681 |
| Net interest margin | 4.2464% | 1,207 |
| Noninterest income to average assets | 0.9687% | 883 |
| Noninterest expense to average assets | 3.5596% | 889 |
| Loan and lease loss provision to assets | 0.2781% | 486 |
| Net operating income to assets | 1.0892% | 2,515 |
| Return on assets (ROA) | 0.9038% | 3,269 |
| Pretax return on assets | 0.9038% | 3,756 |
| Return on Equity (ROE) | 10.4069% | 2,193 |
| Retained earnings to average equity (ytd only) | 6.7378% | 2,140 |
| Net charge-offs to loans | 0.1563% | 860 |
| Credit loss provision to net charge-offs | 244.8980% | 936 |
| Earnings coverage of net charge-offs (x) | 12.0408% | 1,888 |
| Efficiency ratio | 71.4252% | 2,126 |
| Assets per employee ($millions) | 3.9770% | 3,960 |
| Cash dividends to net income (ytd only)* | 35.2564% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 784 |
| Loan loss allowance to noncurrent loans | 124.5472% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 1,364 |
| Noncurrent loans to loans | 1.4007% | 1,154 |
| Net loans and leases to total assets | 71.9375% | 2,175 |
| Net loans and leases to deposits | 80.3056% | 2,802 |
| Net loans and leases to core deposits | 95.7769% | 1,947 |
| Total domestic deposits to total assets | 89.5798% | 610 |
| Equity capital to assets | 8.8018% | 4,818 |
| Core capital (leverage) ratio | 8.8501% | 4,754 |
| Tier 1 risk-based capital ratio | 11.9471% | 4,487 |
| Total risk-based capital ratio | 13.2030% | 4,380 |
| Memoranda: | ||
| Average total assets | $345,204,000 | 1,967 |
| Average earning assets | $321,776,500 | 1,953 |
| Average equity | $29,980,000 | 2,413 |
| Average total loans | $250,859,500 | 1,854 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 732 |
| Cost of funding earning assets | 0.7740% | 1,667 |
| Net interest margin | 4.4005% | 940 |
| Noninterest income to average assets | 1.3231% | 527 |
| Noninterest expense to average assets | 3.6757% | 798 |
| Loan and lease loss provision to assets | 0.3482% | 442 |
| Net operating income to assets | 1.3803% | 1,500 |
| Return on assets (ROA) | 1.3685% | 1,528 |
| Pretax return on assets | 1.3685% | 2,244 |
| Return on Equity (ROE) | 16.1028% | 610 |
| Retained earnings to average equity (ytd only) | 8.2790% | 1,128 |
| Net charge-offs to loans | 0.2473% | 780 |
| Credit loss provision to net charge-offs | 201.0471% | 1,426 |
| Earnings coverage of net charge-offs (x) | 9.9808% | 2,768 |
| Efficiency ratio | 67.9604% | 2,556 |
| Assets per employee ($millions) | 4.0101% | 3,882 |
| Cash dividends to net income (ytd only)* | 48.5866% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 732 |
| Loan loss allowance to noncurrent loans | 135.1233% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 1,457 |
| Noncurrent loans to loans | 1.3048% | 1,208 |
| Net loans and leases to total assets | 70.7512% | 2,451 |
| Net loans and leases to deposits | 78.0248% | 3,165 |
| Net loans and leases to core deposits | 91.7614% | 2,430 |
| Total domestic deposits to total assets | 90.6779% | 278 |
| Equity capital to assets | 8.6773% | 4,821 |
| Core capital (leverage) ratio | 8.8559% | 4,765 |
| Tier 1 risk-based capital ratio | 12.2446% | 4,273 |
| Total risk-based capital ratio | 13.5002% | 4,158 |
| Memoranda: | ||
| Average total assets | $330,877,200 | 1,984 |
| Average earning assets | $306,851,600 | 1,987 |
| Average equity | $28,119,400 | 2,451 |
| Average total loans | $231,711,600 | 1,937 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 694 |
| Cost of funding earning assets | 0.7371% | 1,640 |
| Net interest margin | 4.4102% | 882 |
| Noninterest income to average assets | 1.0410% | 878 |
| Noninterest expense to average assets | 3.6022% | 854 |
| Loan and lease loss provision to assets | 0.3122% | 459 |
| Net operating income to assets | 1.2128% | 2,190 |
| Return on assets (ROA) | 1.1969% | 2,259 |
| Pretax return on assets | 1.1969% | 2,995 |
| Return on Equity (ROE) | 14.1617% | 1,076 |
| Retained earnings to average equity (ytd only) | 6.2353% | 2,533 |
| Net charge-offs to loans | 0.0672% | 1,876 |
| Credit loss provision to net charge-offs | 668.6957% | 545 |
| Earnings coverage of net charge-offs (x) | 32.6607% | 1,539 |
| Efficiency ratio | 70.1932% | 2,160 |
| Assets per employee ($millions) | 4.2407% | 3,520 |
| Cash dividends to net income (ytd only)* | 55.9703% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 759 |
| Loan loss allowance to noncurrent loans | 102.6334% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 1,126 |
| Noncurrent loans to loans | 1.7288% | 897 |
| Net loans and leases to total assets | 70.1124% | 2,627 |
| Net loans and leases to deposits | 83.6968% | 2,637 |
| Net loans and leases to core deposits | 97.8944% | 1,943 |
| Total domestic deposits to total assets | 83.7694% | 3,024 |
| Equity capital to assets | 8.0149% | 5,173 |
| Core capital (leverage) ratio | 8.6219% | 5,015 |
| Tier 1 risk-based capital ratio | 11.6761% | 4,687 |
| Total risk-based capital ratio | 12.9319% | 4,573 |
| Memoranda: | ||
| Average total assets | $328,382,750 | 2,010 |
| Average earning assets | $304,256,250 | 2,009 |
| Average equity | $27,755,000 | 2,479 |
| Average total loans | $228,267,750 | 1,962 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 776 |
| Cost of funding earning assets | 0.6462% | 1,948 |
| Net interest margin | 4.3801% | 888 |
| Noninterest income to average assets | 1.1064% | 785 |
| Noninterest expense to average assets | 3.6629% | 808 |
| Loan and lease loss provision to assets | 0.2783% | 525 |
| Net operating income to assets | 1.2288% | 2,068 |
| Return on assets (ROA) | 1.2245% | 2,084 |
| Pretax return on assets | 1.2245% | 2,850 |
| Return on Equity (ROE) | 14.2227% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.2851% | 2,428 |
| Net charge-offs to loans | 0.0505% | 1,878 |
| Credit loss provision to net charge-offs | 800.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 43.3214% | 1,238 |
| Efficiency ratio | 70.7883% | 2,194 |
| Assets per employee ($millions) | 4.0104% | 3,876 |
| Cash dividends to net income (ytd only)* | 55.8092% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 774 |
| Loan loss allowance to noncurrent loans | 114.5781% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 1,381 |
| Noncurrent loans to loans | 1.5579% | 1,056 |
| Net loans and leases to total assets | 67.6502% | 2,922 |
| Net loans and leases to deposits | 81.1266% | 2,848 |
| Net loans and leases to core deposits | 93.9223% | 2,224 |
| Total domestic deposits to total assets | 83.3884% | 3,289 |
| Equity capital to assets | 8.2233% | 5,119 |
| Core capital (leverage) ratio | 8.9420% | 4,735 |
| Tier 1 risk-based capital ratio | 12.3111% | 4,302 |
| Total risk-based capital ratio | 13.5672% | 4,180 |
| Memoranda: | ||
| Average total assets | $321,930,670 | 2,055 |
| Average earning assets | $298,668,330 | 2,054 |
| Average equity | $27,716,330 | 2,486 |
| Average total loans | $221,619,670 | 2,017 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 482 |
| Cost of funding earning assets | 0.5272% | 2,569 |
| Net interest margin | 4.6792% | 418 |
| Noninterest income to average assets | 0.9146% | 1,117 |
| Noninterest expense to average assets | 3.6520% | 818 |
| Loan and lease loss provision to assets | 0.2442% | 616 |
| Net operating income to assets | 1.3534% | 1,470 |
| Return on assets (ROA) | 1.3458% | 1,505 |
| Pretax return on assets | 1.3458% | 2,199 |
| Return on Equity (ROE) | 15.2650% | 761 |
| Retained earnings to average equity (ytd only) | 7.3295% | 2,132 |
| Net charge-offs to loans | 0.1294% | 1,026 |
| Credit loss provision to net charge-offs | 274.2857% | 870 |
| Earnings coverage of net charge-offs (x) | 17.9429% | 1,555 |
| Efficiency ratio | 69.4936% | 2,579 |
| Assets per employee ($millions) | 3.9335% | 4,094 |
| Cash dividends to net income (ytd only)* | 51.9849% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 833 |
| Loan loss allowance to noncurrent loans | 93.0322% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3691% | 1,071 |
| Noncurrent loans to loans | 1.8970% | 864 |
| Net loans and leases to total assets | 67.6467% | 2,807 |
| Net loans and leases to deposits | 78.9267% | 2,927 |
| Net loans and leases to core deposits | 91.0796% | 2,368 |
| Total domestic deposits to total assets | 85.7082% | 2,672 |
| Equity capital to assets | 8.6749% | 4,837 |
| Core capital (leverage) ratio | 9.2106% | 4,421 |
| Tier 1 risk-based capital ratio | 12.9247% | 3,991 |
| Total risk-based capital ratio | 14.1803% | 3,878 |
| Memoranda: | ||
| Average total assets | $314,459,000 | 2,110 |
| Average earning assets | $291,333,000 | 2,117 |
| Average equity | $27,723,500 | 2,511 |
| Average total loans | $216,410,500 | 2,068 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 544 |
| Cost of funding earning assets | 0.4823% | 2,483 |
| Net interest margin | 4.6084% | 494 |
| Noninterest income to average assets | 0.9713% | 1,088 |
| Noninterest expense to average assets | 3.8656% | 644 |
| Loan and lease loss provision to assets | 0.2017% | 1,023 |
| Net operating income to assets | 1.1733% | 1,603 |
| Return on assets (ROA) | 1.1427% | 1,741 |
| Pretax return on assets | 1.1427% | 3,013 |
| Return on Equity (ROE) | 12.3100% | 1,128 |
| Retained earnings to average equity (ytd only) | 4.7407% | 2,295 |
| Net charge-offs to loans | 0.2455% | 1,060 |
| Credit loss provision to net charge-offs | 117.1875% | 2,231 |
| Earnings coverage of net charge-offs (x) | 7.9883% | 2,967 |
| Efficiency ratio | 73.6977% | 1,942 |
| Assets per employee ($millions) | 3.9783% | 3,997 |
| Cash dividends to net income (ytd only)* | 61.4887% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 846 |
| Loan loss allowance to noncurrent loans | 87.4738% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4524% | 964 |
| Noncurrent loans to loans | 2.0087% | 759 |
| Net loans and leases to total assets | 67.5684% | 2,878 |
| Net loans and leases to deposits | 76.1644% | 3,315 |
| Net loans and leases to core deposits | 83.9610% | 3,056 |
| Total domestic deposits to total assets | 88.7138% | 1,138 |
| Equity capital to assets | 8.9614% | 4,759 |
| Core capital (leverage) ratio | 9.0412% | 4,594 |
| Tier 1 risk-based capital ratio | 12.9738% | 3,920 |
| Total risk-based capital ratio | 14.2298% | 3,815 |
| Memoranda: | ||
| Average total assets | $297,443,600 | 2,178 |
| Average earning assets | $275,563,400 | 2,181 |
| Average equity | $27,611,800 | 2,512 |
| Average total loans | $208,576,200 | 2,089 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 516 |
| Cost of funding earning assets | 0.4663% | 2,557 |
| Net interest margin | 4.6168% | 473 |
| Noninterest income to average assets | 0.9775% | 1,072 |
| Noninterest expense to average assets | 3.8355% | 643 |
| Loan and lease loss provision to assets | 0.1890% | 1,034 |
| Net operating income to assets | 1.2380% | 1,552 |
| Return on assets (ROA) | 1.2271% | 1,618 |
| Pretax return on assets | 1.2271% | 2,796 |
| Return on Equity (ROE) | 13.0995% | 1,035 |
| Retained earnings to average equity (ytd only) | 7.1012% | 1,641 |
| Net charge-offs to loans | 0.0862% | 1,936 |
| Credit loss provision to net charge-offs | 311.1940% | 957 |
| Earnings coverage of net charge-offs (x) | 23.5003% | 1,807 |
| Efficiency ratio | 72.8149% | 2,072 |
| Assets per employee ($millions) | 3.7024% | 4,446 |
| Cash dividends to net income (ytd only)* | 45.7902% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 753 |
| Loan loss allowance to noncurrent loans | 77.7493% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 679 |
| Noncurrent loans to loans | 2.4037% | 652 |
| Net loans and leases to total assets | 68.2309% | 2,806 |
| Net loans and leases to deposits | 79.1098% | 3,056 |
| Net loans and leases to core deposits | 88.3174% | 2,737 |
| Total domestic deposits to total assets | 86.2484% | 2,212 |
| Equity capital to assets | 9.3968% | 4,548 |
| Core capital (leverage) ratio | 9.5492% | 4,096 |
| Tier 1 risk-based capital ratio | 13.0555% | 3,971 |
| Total risk-based capital ratio | 14.3124% | 3,876 |
| Memoranda: | ||
| Average total assets | $294,227,500 | 2,215 |
| Average earning assets | $273,080,000 | 2,208 |
| Average equity | $27,562,750 | 2,533 |
| Average total loans | $207,365,250 | 2,109 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 554 |
| Cost of funding earning assets | 0.4604% | 2,507 |
| Net interest margin | 4.5468% | 516 |
| Noninterest income to average assets | 0.9557% | 1,123 |
| Noninterest expense to average assets | 3.8776% | 610 |
| Loan and lease loss provision to assets | 0.1621% | 1,235 |
| Net operating income to assets | 1.1432% | 1,810 |
| Return on assets (ROA) | 1.1391% | 1,879 |
| Pretax return on assets | 1.1391% | 3,012 |
| Return on Equity (ROE) | 12.1728% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.3727% | 1,918 |
| Net charge-offs to loans | 0.1126% | 1,506 |
| Credit loss provision to net charge-offs | 203.4483% | 1,256 |
| Earnings coverage of net charge-offs (x) | 16.3793% | 1,985 |
| Efficiency ratio | 74.7481% | 1,889 |
| Assets per employee ($millions) | 3.7321% | 4,386 |
| Cash dividends to net income (ytd only)* | 47.6478% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 924 |
| Loan loss allowance to noncurrent loans | 99.7889% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 966 |
| Noncurrent loans to loans | 1.7838% | 1,017 |
| Net loans and leases to total assets | 69.8972% | 2,543 |
| Net loans and leases to deposits | 82.4629% | 2,655 |
| Net loans and leases to core deposits | 92.1161% | 2,327 |
| Total domestic deposits to total assets | 84.7621% | 2,903 |
| Equity capital to assets | 9.4010% | 4,510 |
| Core capital (leverage) ratio | 9.5466% | 4,072 |
| Tier 1 risk-based capital ratio | 13.0565% | 3,963 |
| Total risk-based capital ratio | 14.3131% | 3,873 |
| Memoranda: | ||
| Average total assets | $291,105,330 | 2,240 |
| Average earning assets | $270,652,330 | 2,233 |
| Average equity | $27,241,000 | 2,554 |
| Average total loans | $206,123,670 | 2,118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 630 |
| Cost of funding earning assets | 0.4204% | 2,811 |
| Net interest margin | 4.4809% | 542 |
| Noninterest income to average assets | 0.8491% | 1,399 |
| Noninterest expense to average assets | 3.9043% | 598 |
| Loan and lease loss provision to assets | 0.1239% | 1,552 |
| Net operating income to assets | 0.9896% | 2,351 |
| Return on assets (ROA) | 0.9827% | 2,425 |
| Pretax return on assets | 0.9827% | 3,440 |
| Return on Equity (ROE) | 10.5265% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.6370% | 3,097 |
| Net charge-offs to loans | 0.1853% | 920 |
| Credit loss provision to net charge-offs | 94.6809% | 1,654 |
| Earnings coverage of net charge-offs (x) | 8.5106% | 2,057 |
| Efficiency ratio | 77.7254% | 1,671 |
| Assets per employee ($millions) | 3.6405% | 4,588 |
| Cash dividends to net income (ytd only)* | 55.9490% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,018 |
| Loan loss allowance to noncurrent loans | 119.4708% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 1,356 |
| Noncurrent loans to loans | 1.4808% | 1,359 |
| Net loans and leases to total assets | 69.7196% | 2,436 |
| Net loans and leases to deposits | 81.6304% | 2,553 |
| Net loans and leases to core deposits | 90.1471% | 2,335 |
| Total domestic deposits to total assets | 85.4088% | 2,921 |
| Equity capital to assets | 9.3113% | 4,499 |
| Core capital (leverage) ratio | 9.5919% | 4,012 |
| Tier 1 risk-based capital ratio | 12.8426% | 4,172 |
| Total risk-based capital ratio | 14.0983% | 4,071 |
| Memoranda: | ||
| Average total assets | $287,376,000 | 2,274 |
| Average earning assets | $267,358,000 | 2,262 |
| Average equity | $26,827,500 | 2,585 |
| Average total loans | $202,950,500 | 2,151 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 549 |
| Cost of funding earning assets | 0.3991% | 3,007 |
| Net interest margin | 4.6469% | 460 |
| Noninterest income to average assets | 0.9021% | 1,406 |
| Noninterest expense to average assets | 3.6930% | 896 |
| Loan and lease loss provision to assets | 0.4484% | 320 |
| Net operating income to assets | 1.0678% | 2,043 |
| Return on assets (ROA) | 1.0678% | 2,152 |
| Pretax return on assets | 1.0678% | 3,229 |
| Return on Equity (ROE) | 11.1136% | 1,544 |
| Retained earnings to average equity (ytd only) | 4.0257% | 3,050 |
| Net charge-offs to loans | 0.4099% | 648 |
| Credit loss provision to net charge-offs | 161.8806% | 1,707 |
| Earnings coverage of net charge-offs (x) | 5.4740% | 3,337 |
| Efficiency ratio | 70.8263% | 2,775 |
| Assets per employee ($millions) | 3.5888% | 4,629 |
| Cash dividends to net income (ytd only)* | 63.7772% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 888 |
| Loan loss allowance to noncurrent loans | 85.6241% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.7795% | 836 |
| Noncurrent loans to loans | 2.1477% | 799 |
| Net loans and leases to total assets | 68.9670% | 2,625 |
| Net loans and leases to deposits | 79.1073% | 2,984 |
| Net loans and leases to core deposits | 87.3983% | 2,739 |
| Total domestic deposits to total assets | 87.1816% | 2,038 |
| Equity capital to assets | 9.3600% | 4,415 |
| Core capital (leverage) ratio | 9.3473% | 4,290 |
| Tier 1 risk-based capital ratio | 13.3030% | 3,892 |
| Total risk-based capital ratio | 14.5598% | 3,801 |
| Memoranda: | ||
| Average total assets | $284,130,000 | 2,255 |
| Average earning assets | $263,359,400 | 2,258 |
| Average equity | $27,299,800 | 2,548 |
| Average total loans | $192,019,800 | 2,192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 551 |
| Cost of funding earning assets | 0.3914% | 3,110 |
| Net interest margin | 4.6465% | 470 |
| Noninterest income to average assets | 0.8916% | 1,431 |
| Noninterest expense to average assets | 3.6451% | 926 |
| Loan and lease loss provision to assets | 0.2387% | 809 |
| Net operating income to assets | 1.3118% | 1,257 |
| Return on assets (ROA) | 1.3118% | 1,339 |
| Pretax return on assets | 1.3118% | 2,381 |
| Return on Equity (ROE) | 13.5656% | 903 |
| Retained earnings to average equity (ytd only) | 5.9753% | 2,196 |
| Net charge-offs to loans | 0.5103% | 416 |
| Credit loss provision to net charge-offs | 69.9176% | 2,789 |
| Earnings coverage of net charge-offs (x) | 4.5412% | 3,255 |
| Efficiency ratio | 70.0849% | 2,871 |
| Assets per employee ($millions) | 3.6965% | 4,485 |
| Cash dividends to net income (ytd only)* | 55.9527% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,780 |
| Loan loss allowance to noncurrent loans | 82.4875% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 1,069 |
| Noncurrent loans to loans | 1.8121% | 1,140 |
| Net loans and leases to total assets | 67.6098% | 2,853 |
| Net loans and leases to deposits | 78.8602% | 3,090 |
| Net loans and leases to core deposits | 87.2802% | 2,825 |
| Total domestic deposits to total assets | 85.7338% | 2,490 |
| Equity capital to assets | 9.7862% | 4,374 |
| Core capital (leverage) ratio | 9.4691% | 4,217 |
| Tier 1 risk-based capital ratio | 13.0460% | 4,133 |
| Total risk-based capital ratio | 14.2980% | 4,043 |
| Memoranda: | ||
| Average total assets | $284,284,000 | 2,264 |
| Average earning assets | $263,329,000 | 2,274 |
| Average equity | $27,490,500 | 2,556 |
| Average total loans | $190,226,250 | 2,210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 582 |
| Cost of funding earning assets | 0.3750% | 3,301 |
| Net interest margin | 4.6355% | 477 |
| Noninterest income to average assets | 0.8892% | 1,406 |
| Noninterest expense to average assets | 3.7372% | 834 |
| Loan and lease loss provision to assets | 0.1124% | 1,998 |
| Net operating income to assets | 1.3381% | 1,191 |
| Return on assets (ROA) | 1.3381% | 1,265 |
| Pretax return on assets | 1.3381% | 2,253 |
| Return on Equity (ROE) | 13.8943% | 853 |
| Retained earnings to average equity (ytd only) | 5.5269% | 2,405 |
| Net charge-offs to loans | 0.1055% | 1,769 |
| Credit loss provision to net charge-offs | 160.6061% | 1,524 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,712 |
| Efficiency ratio | 71.9717% | 2,658 |
| Assets per employee ($millions) | 3.6532% | 4,512 |
| Cash dividends to net income (ytd only)* | 60.2219% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,410 |
| Loan loss allowance to noncurrent loans | 110.7387% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 1,519 |
| Noncurrent loans to loans | 1.4869% | 1,476 |
| Net loans and leases to total assets | 67.0182% | 2,937 |
| Net loans and leases to deposits | 77.9828% | 3,159 |
| Net loans and leases to core deposits | 87.1703% | 2,800 |
| Total domestic deposits to total assets | 85.9398% | 2,453 |
| Equity capital to assets | 9.6527% | 4,610 |
| Core capital (leverage) ratio | 9.4504% | 4,268 |
| Tier 1 risk-based capital ratio | 13.1489% | 4,107 |
| Total risk-based capital ratio | 14.4033% | 4,029 |
| Memoranda: | ||
| Average total assets | $282,937,000 | 2,283 |
| Average earning assets | $262,368,670 | 2,281 |
| Average equity | $27,248,670 | 2,578 |
| Average total loans | $187,670,330 | 2,239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 556 |
| Cost of funding earning assets | 0.3526% | 3,578 |
| Net interest margin | 4.6664% | 445 |
| Noninterest income to average assets | 0.8697% | 1,383 |
| Noninterest expense to average assets | 3.6472% | 968 |
| Loan and lease loss provision to assets | 0.0971% | 2,073 |
| Net operating income to assets | 1.4537% | 934 |
| Return on assets (ROA) | 1.4537% | 978 |
| Pretax return on assets | 1.4537% | 1,738 |
| Return on Equity (ROE) | 15.1128% | 654 |
| Retained earnings to average equity (ytd only) | 5.0920% | 2,877 |
| Net charge-offs to loans | 0.1332% | 1,308 |
| Credit loss provision to net charge-offs | 111.4754% | 1,503 |
| Earnings coverage of net charge-offs (x) | 17.8033% | 1,557 |
| Efficiency ratio | 70.0824% | 3,110 |
| Assets per employee ($millions) | 3.8124% | 4,275 |
| Cash dividends to net income (ytd only)* | 66.3065% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 1,364 |
| Loan loss allowance to noncurrent loans | 79.3181% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 1,058 |
| Noncurrent loans to loans | 2.1463% | 967 |
| Net loans and leases to total assets | 66.1196% | 2,927 |
| Net loans and leases to deposits | 75.1356% | 3,312 |
| Net loans and leases to core deposits | 83.5286% | 2,974 |
| Total domestic deposits to total assets | 88.0003% | 1,642 |
| Equity capital to assets | 9.8197% | 4,314 |
| Core capital (leverage) ratio | 9.5129% | 4,173 |
| Tier 1 risk-based capital ratio | 13.4446% | 4,014 |
| Total risk-based capital ratio | 14.6995% | 3,932 |
| Memoranda: | ||
| Average total assets | $280,104,500 | 2,315 |
| Average earning assets | $259,815,500 | 2,308 |
| Average equity | $26,944,000 | 2,602 |
| Average total loans | $183,178,500 | 2,279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 496 |
| Cost of funding earning assets | 0.3712% | 3,471 |
| Net interest margin | 4.7527% | 414 |
| Noninterest income to average assets | 1.0137% | 1,145 |
| Noninterest expense to average assets | 3.4873% | 1,308 |
| Loan and lease loss provision to assets | 0.1823% | 1,239 |
| Net operating income to assets | 1.7727% | 505 |
| Return on assets (ROA) | 1.7641% | 529 |
| Pretax return on assets | 1.7641% | 863 |
| Return on Equity (ROE) | 18.9992% | 309 |
| Retained earnings to average equity (ytd only) | 8.7769% | 711 |
| Net charge-offs to loans | 0.0716% | 2,811 |
| Credit loss provision to net charge-offs | 396.8750% | 767 |
| Earnings coverage of net charge-offs (x) | 42.5625% | 1,118 |
| Efficiency ratio | 64.0116% | 4,261 |
| Assets per employee ($millions) | 3.9153% | 4,090 |
| Cash dividends to net income (ytd only)* | 53.8039% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 1,184 |
| Loan loss allowance to noncurrent loans | 159.0295% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 2,110 |
| Noncurrent loans to loans | 1.1158% | 2,107 |
| Net loans and leases to total assets | 62.4244% | 3,500 |
| Net loans and leases to deposits | 69.1199% | 4,018 |
| Net loans and leases to core deposits | 73.7204% | 3,965 |
| Total domestic deposits to total assets | 90.3133% | 497 |
| Equity capital to assets | 9.4214% | 4,648 |
| Core capital (leverage) ratio | 9.1106% | 4,740 |
| Tier 1 risk-based capital ratio | 13.6523% | 3,913 |
| Total risk-based capital ratio | 14.9069% | 3,844 |
| Memoranda: | ||
| Average total assets | $278,669,400 | 2,285 |
| Average earning assets | $259,664,200 | 2,268 |
| Average equity | $25,874,800 | 2,626 |
| Average total loans | $178,650,400 | 2,254 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 484 |
| Cost of funding earning assets | 0.3672% | 3,579 |
| Net interest margin | 4.7648% | 404 |
| Noninterest income to average assets | 1.0269% | 1,125 |
| Noninterest expense to average assets | 3.3503% | 1,576 |
| Loan and lease loss provision to assets | 0.1905% | 1,067 |
| Net operating income to assets | 1.9314% | 403 |
| Return on assets (ROA) | 1.9199% | 430 |
| Pretax return on assets | 1.9199% | 694 |
| Return on Equity (ROE) | 20.7539% | 234 |
| Retained earnings to average equity (ytd only) | 11.8579% | 383 |
| Net charge-offs to loans | 0.0948% | 2,210 |
| Credit loss provision to net charge-offs | 312.5984% | 934 |
| Earnings coverage of net charge-offs (x) | 34.8187% | 1,363 |
| Efficiency ratio | 61.1540% | 4,697 |
| Assets per employee ($millions) | 3.9315% | 4,018 |
| Cash dividends to net income (ytd only)* | 42.8643% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 1,459 |
| Loan loss allowance to noncurrent loans | 218.7455% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 2,766 |
| Noncurrent loans to loans | 0.7788% | 3,016 |
| Net loans and leases to total assets | 62.5586% | 3,529 |
| Net loans and leases to deposits | 72.2939% | 3,733 |
| Net loans and leases to core deposits | 77.2759% | 3,671 |
| Total domestic deposits to total assets | 86.5337% | 2,264 |
| Equity capital to assets | 9.5666% | 4,673 |
| Core capital (leverage) ratio | 9.4020% | 4,441 |
| Tier 1 risk-based capital ratio | 13.6205% | 4,071 |
| Total risk-based capital ratio | 14.8742% | 3,999 |
| Memoranda: | ||
| Average total assets | $277,861,500 | 2,302 |
| Average earning assets | $259,229,750 | 2,290 |
| Average equity | $25,703,750 | 2,661 |
| Average total loans | $178,524,500 | 2,262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 640 |
| Cost of funding earning assets | 0.3681% | 3,625 |
| Net interest margin | 4.5902% | 538 |
| Noninterest income to average assets | 1.0234% | 1,132 |
| Noninterest expense to average assets | 3.3217% | 1,642 |
| Loan and lease loss provision to assets | 0.1905% | 1,049 |
| Net operating income to assets | 1.8021% | 513 |
| Return on assets (ROA) | 1.7847% | 558 |
| Pretax return on assets | 1.7847% | 918 |
| Return on Equity (ROE) | 19.5207% | 296 |
| Retained earnings to average equity (ytd only) | 11.4795% | 445 |
| Net charge-offs to loans | 0.1337% | 1,698 |
| Credit loss provision to net charge-offs | 221.0084% | 1,137 |
| Earnings coverage of net charge-offs (x) | 23.1176% | 1,616 |
| Efficiency ratio | 62.4370% | 4,609 |
| Assets per employee ($millions) | 3.8610% | 4,145 |
| Cash dividends to net income (ytd only)* | 41.1932% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,750 |
| Loan loss allowance to noncurrent loans | 322.6974% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 3,328 |
| Noncurrent loans to loans | 0.5110% | 3,921 |
| Net loans and leases to total assets | 64.0310% | 3,259 |
| Net loans and leases to deposits | 74.0495% | 3,484 |
| Net loans and leases to core deposits | 79.9954% | 3,384 |
| Total domestic deposits to total assets | 86.4704% | 2,451 |
| Equity capital to assets | 9.4133% | 4,763 |
| Core capital (leverage) ratio | 9.2770% | 4,583 |
| Tier 1 risk-based capital ratio | 13.5715% | 4,178 |
| Total risk-based capital ratio | 14.8255% | 4,102 |
| Memoranda: | ||
| Average total assets | $276,125,670 | 2,330 |
| Average earning assets | $258,113,330 | 2,309 |
| Average equity | $25,245,000 | 2,705 |
| Average total loans | $177,981,670 | 2,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 629 |
| Cost of funding earning assets | 0.3626% | 3,720 |
| Net interest margin | 4.5821% | 521 |
| Noninterest income to average assets | 0.9671% | 1,195 |
| Noninterest expense to average assets | 3.2405% | 1,870 |
| Loan and lease loss provision to assets | 0.1977% | 942 |
| Net operating income to assets | 1.8331% | 456 |
| Return on assets (ROA) | 1.7970% | 510 |
| Pretax return on assets | 1.7970% | 868 |
| Return on Equity (ROE) | 19.9479% | 269 |
| Retained earnings to average equity (ytd only) | 12.0969% | 558 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3910% | 4,903 |
| Assets per employee ($millions) | 4.2957% | 3,376 |
| Cash dividends to net income (ytd only)* | 39.3574% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,102 |
| Loan loss allowance to noncurrent loans | 65.2155% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 1,418 |
| Noncurrent loans to loans | 2.4317% | 1,004 |
| Net loans and leases to total assets | 65.2542% | 2,886 |
| Net loans and leases to deposits | 76.0093% | 3,056 |
| Net loans and leases to core deposits | 82.4686% | 2,913 |
| Total domestic deposits to total assets | 85.8502% | 3,014 |
| Equity capital to assets | 9.2411% | 5,039 |
| Core capital (leverage) ratio | 8.8963% | 5,076 |
| Tier 1 risk-based capital ratio | 13.7289% | 4,199 |
| Total risk-based capital ratio | 15.0054% | 4,095 |
| Memoranda: | ||
| Average total assets | $277,122,000 | 2,336 |
| Average earning assets | $260,317,000 | 2,310 |
| Average equity | $24,965,000 | 2,753 |
| Average total loans | $177,736,000 | 2,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 1,012 |
| Cost of funding earning assets | 0.3929% | 3,758 |
| Net interest margin | 4.4588% | 802 |
| Noninterest income to average assets | 0.6646% | 2,482 |
| Noninterest expense to average assets | 3.3391% | 1,826 |
| Loan and lease loss provision to assets | 0.0097% | 4,432 |
| Net operating income to assets | 1.4983% | 885 |
| Return on assets (ROA) | 1.4882% | 939 |
| Pretax return on assets | 1.4882% | 1,589 |
| Return on Equity (ROE) | 16.9556% | 496 |
| Retained earnings to average equity (ytd only) | 7.6512% | 1,141 |
| Net charge-offs to loans | 0.0142% | 4,600 |
| Credit loss provision to net charge-offs | 113.6364% | 2,095 |
| Earnings coverage of net charge-offs (x) | 176.6818% | 302 |
| Efficiency ratio | 68.8330% | 3,746 |
| Assets per employee ($millions) | 4.1670% | 3,602 |
| Cash dividends to net income (ytd only)* | 54.8749% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,943 |
| Loan loss allowance to noncurrent loans | 152.0369% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 3,208 |
| Noncurrent loans to loans | 1.0808% | 2,658 |
| Net loans and leases to total assets | 60.9163% | 3,651 |
| Net loans and leases to deposits | 67.4063% | 4,181 |
| Net loans and leases to core deposits | 71.3039% | 4,188 |
| Total domestic deposits to total assets | 90.3718% | 586 |
| Equity capital to assets | 8.7727% | 5,513 |
| Core capital (leverage) ratio | 8.6214% | 5,423 |
| Tier 1 risk-based capital ratio | 12.9037% | 4,793 |
| Total risk-based capital ratio | 14.1566% | 4,707 |
| Memoranda: | ||
| Average total assets | $257,762,600 | 2,456 |
| Average earning assets | $241,792,000 | 2,416 |
| Average equity | $22,623,800 | 2,891 |
| Average total loans | $154,662,600 | 2,504 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 978 |
| Cost of funding earning assets | 0.4005% | 3,781 |
| Net interest margin | 4.4754% | 781 |
| Noninterest income to average assets | 0.5781% | 3,007 |
| Noninterest expense to average assets | 3.2448% | 2,042 |
| Loan and lease loss provision to assets | 0.0132% | 4,154 |
| Net operating income to assets | 1.5177% | 904 |
| Return on assets (ROA) | 1.5040% | 962 |
| Pretax return on assets | 1.5040% | 1,631 |
| Return on Equity (ROE) | 17.1337% | 534 |
| Retained earnings to average equity (ytd only) | 10.2119% | 654 |
| Net charge-offs to loans | 0.0566% | 3,410 |
| Credit loss provision to net charge-offs | 39.0625% | 3,301 |
| Earnings coverage of net charge-offs (x) | 45.4694% | 1,036 |
| Efficiency ratio | 67.9004% | 3,873 |
| Assets per employee ($millions) | 4.2700% | 3,345 |
| Cash dividends to net income (ytd only)* | 40.3988% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 2,007 |
| Loan loss allowance to noncurrent loans | 160.0116% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 3,439 |
| Noncurrent loans to loans | 1.0554% | 2,964 |
| Net loans and leases to total assets | 59.6629% | 3,853 |
| Net loans and leases to deposits | 65.7692% | 4,357 |
| Net loans and leases to core deposits | 70.2438% | 4,301 |
| Total domestic deposits to total assets | 90.7155% | 448 |
| Equity capital to assets | 8.8626% | 5,500 |
| Core capital (leverage) ratio | 8.8857% | 5,209 |
| Tier 1 risk-based capital ratio | 11.8689% | 5,579 |
| Total risk-based capital ratio | 13.0909% | 5,512 |
| Memoranda: | ||
| Average total assets | $253,447,000 | 2,511 |
| Average earning assets | $237,711,000 | 2,461 |
| Average equity | $22,248,000 | 2,928 |
| Average total loans | $150,744,750 | 2,567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 913 |
| Cost of funding earning assets | 0.4072% | 3,800 |
| Net interest margin | 4.4909% | 717 |
| Noninterest income to average assets | 0.5285% | 3,281 |
| Noninterest expense to average assets | 3.2506% | 2,049 |
| Loan and lease loss provision to assets | 0.0201% | 3,871 |
| Net operating income to assets | 1.4694% | 927 |
| Return on assets (ROA) | 1.4485% | 1,007 |
| Pretax return on assets | 1.4485% | 1,719 |
| Return on Equity (ROE) | 16.5585% | 596 |
| Retained earnings to average equity (ytd only) | 9.4672% | 843 |
| Net charge-offs to loans | 0.0887% | 2,799 |
| Credit loss provision to net charge-offs | 38.4615% | 2,944 |
| Earnings coverage of net charge-offs (x) | 28.4462% | 1,302 |
| Efficiency ratio | 68.5758% | 3,908 |
| Assets per employee ($millions) | 4.2298% | 3,409 |
| Cash dividends to net income (ytd only)* | 42.8254% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 1,939 |
| Loan loss allowance to noncurrent loans | 109.5427% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 2,850 |
| Noncurrent loans to loans | 1.6123% | 2,153 |
| Net loans and leases to total assets | 59.3887% | 3,805 |
| Net loans and leases to deposits | 66.9631% | 4,164 |
| Net loans and leases to core deposits | 73.6938% | 3,871 |
| Total domestic deposits to total assets | 88.6887% | 1,542 |
| Equity capital to assets | 9.0025% | 5,296 |
| Core capital (leverage) ratio | 9.2152% | 4,714 |
| Tier 1 risk-based capital ratio | 12.7119% | 5,081 |
| Total risk-based capital ratio | 13.9293% | 5,043 |
| Memoranda: | ||
| Average total assets | $248,260,000 | 2,560 |
| Average earning assets | $232,826,000 | 2,517 |
| Average equity | $21,717,000 | 2,980 |
| Average total loans | $146,574,670 | 2,632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 873 |
| Cost of funding earning assets | 0.4193% | 3,769 |
| Net interest margin | 4.4810% | 678 |
| Noninterest income to average assets | 0.5522% | 3,033 |
| Noninterest expense to average assets | 3.3002% | 1,947 |
| Loan and lease loss provision to assets | 0.0411% | 3,266 |
| Net operating income to assets | 1.4266% | 942 |
| Return on assets (ROA) | 1.4282% | 978 |
| Pretax return on assets | 1.4282% | 1,648 |
| Return on Equity (ROE) | 16.5828% | 577 |
| Retained earnings to average equity (ytd only) | 9.2360% | 1,180 |
| Net charge-offs to loans | 0.1100% | 2,080 |
| Credit loss provision to net charge-offs | 64.1026% | 2,068 |
| Earnings coverage of net charge-offs (x) | 22.8974% | 1,232 |
| Efficiency ratio | 69.2175% | 3,962 |
| Assets per employee ($millions) | 4.0905% | 3,735 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 1,657 |
| Loan loss allowance to noncurrent loans | 269.6411% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 3,953 |
| Noncurrent loans to loans | 0.7178% | 4,075 |
| Net loans and leases to total assets | 58.3641% | 3,789 |
| Net loans and leases to deposits | 64.4186% | 4,272 |
| Net loans and leases to core deposits | 70.8921% | 3,996 |
| Total domestic deposits to total assets | 90.6013% | 740 |
| Equity capital to assets | 8.9773% | 5,141 |
| Core capital (leverage) ratio | 9.2529% | 4,641 |
| Tier 1 risk-based capital ratio | 13.9123% | 4,382 |
| Total risk-based capital ratio | 15.1129% | 4,375 |
| Memoranda: | ||
| Average total assets | $243,381,500 | 2,612 |
| Average earning assets | $228,966,000 | 2,568 |
| Average equity | $20,961,500 | 3,058 |
| Average total loans | $141,868,000 | 2,707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,455 |
| Cost of funding earning assets | 0.4994% | 3,618 |
| Net interest margin | 4.2472% | 1,229 |
| Noninterest income to average assets | 0.6834% | 2,633 |
| Noninterest expense to average assets | 3.3105% | 2,115 |
| Loan and lease loss provision to assets | 0.0841% | 3,433 |
| Net operating income to assets | 1.2658% | 1,344 |
| Return on assets (ROA) | 1.2566% | 1,427 |
| Pretax return on assets | 1.2566% | 2,330 |
| Return on Equity (ROE) | 14.2744% | 892 |
| Retained earnings to average equity (ytd only) | 7.8968% | 1,092 |
| Net charge-offs to loans | 0.1009% | 3,825 |
| Credit loss provision to net charge-offs | 143.8849% | 1,618 |
| Earnings coverage of net charge-offs (x) | 23.0935% | 1,426 |
| Efficiency ratio | 71.0341% | 3,664 |
| Assets per employee ($millions) | 4.2314% | 3,395 |
| Cash dividends to net income (ytd only)* | 44.6787% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 1,561 |
| Loan loss allowance to noncurrent loans | 171.0526% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 3,651 |
| Noncurrent loans to loans | 1.1663% | 3,207 |
| Net loans and leases to total assets | 55.9463% | 4,325 |
| Net loans and leases to deposits | 61.1438% | 4,815 |
| Net loans and leases to core deposits | 66.5365% | 4,654 |
| Total domestic deposits to total assets | 91.4995% | 402 |
| Equity capital to assets | 8.2540% | 5,820 |
| Core capital (leverage) ratio | 9.0221% | 4,961 |
| Tier 1 risk-based capital ratio | 13.7490% | 4,481 |
| Total risk-based capital ratio | 15.0050% | 4,429 |
| Memoranda: | ||
| Average total assets | $237,788,400 | 2,643 |
| Average earning assets | $222,665,400 | 2,588 |
| Average equity | $20,932,600 | 3,053 |
| Average total loans | $137,768,000 | 2,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 1,386 |
| Cost of funding earning assets | 0.4829% | 3,935 |
| Net interest margin | 4.3023% | 1,092 |
| Noninterest income to average assets | 0.6885% | 2,674 |
| Noninterest expense to average assets | 3.2044% | 2,354 |
| Loan and lease loss provision to assets | 0.1130% | 2,883 |
| Net operating income to assets | 1.3995% | 1,100 |
| Return on assets (ROA) | 1.3865% | 1,183 |
| Pretax return on assets | 1.3865% | 1,974 |
| Return on Equity (ROE) | 15.4993% | 712 |
| Retained earnings to average equity (ytd only) | 8.0751% | 1,382 |
| Net charge-offs to loans | 0.1555% | 2,994 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 16.7248% | 1,783 |
| Efficiency ratio | 67.9329% | 4,113 |
| Assets per employee ($millions) | 3.9582% | 3,916 |
| Cash dividends to net income (ytd only)* | 47.9007% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 1,717 |
| Loan loss allowance to noncurrent loans | 114.6694% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 3,136 |
| Noncurrent loans to loans | 1.7445% | 2,578 |
| Net loans and leases to total assets | 57.2411% | 4,134 |
| Net loans and leases to deposits | 62.9048% | 4,641 |
| Net loans and leases to core deposits | 68.1986% | 4,511 |
| Total domestic deposits to total assets | 90.9963% | 537 |
| Equity capital to assets | 8.5262% | 5,712 |
| Core capital (leverage) ratio | 9.3314% | 4,648 |
| Tier 1 risk-based capital ratio | 14.3634% | 4,173 |
| Total risk-based capital ratio | 15.6202% | 4,120 |
| Memoranda: | ||
| Average total assets | $235,880,250 | 2,677 |
| Average earning assets | $220,870,250 | 2,621 |
| Average equity | $21,101,500 | 3,066 |
| Average total loans | $137,185,250 | 2,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 1,372 |
| Cost of funding earning assets | 0.4929% | 3,963 |
| Net interest margin | 4.2887% | 1,053 |
| Noninterest income to average assets | 0.7470% | 2,429 |
| Noninterest expense to average assets | 3.2038% | 2,346 |
| Loan and lease loss provision to assets | 0.1700% | 2,211 |
| Net operating income to assets | 1.3954% | 1,090 |
| Return on assets (ROA) | 1.3886% | 1,187 |
| Pretax return on assets | 1.3886% | 1,976 |
| Return on Equity (ROE) | 15.2813% | 762 |
| Retained earnings to average equity (ytd only) | 8.5010% | 1,288 |
| Net charge-offs to loans | 0.1756% | 2,714 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 15.3500% | 1,747 |
| Efficiency ratio | 67.1775% | 4,327 |
| Assets per employee ($millions) | 4.0649% | 3,657 |
| Cash dividends to net income (ytd only)* | 44.3696% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 1,751 |
| Loan loss allowance to noncurrent loans | 188.9859% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 3,983 |
| Noncurrent loans to loans | 1.0831% | 3,766 |
| Net loans and leases to total assets | 58.1212% | 3,965 |
| Net loans and leases to deposits | 64.4563% | 4,442 |
| Net loans and leases to core deposits | 69.4033% | 4,339 |
| Total domestic deposits to total assets | 90.1714% | 937 |
| Equity capital to assets | 9.1976% | 4,993 |
| Core capital (leverage) ratio | 9.3676% | 4,439 |
| Tier 1 risk-based capital ratio | 13.6456% | 4,674 |
| Total risk-based capital ratio | 14.9024% | 4,636 |
| Memoranda: | ||
| Average total assets | $235,343,000 | 2,692 |
| Average earning assets | $220,720,000 | 2,632 |
| Average equity | $21,385,670 | 3,051 |
| Average total loans | $136,674,330 | 2,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 785 |
| Cost of funding earning assets | 0.4944% | 4,140 |
| Net interest margin | 4.5793% | 582 |
| Noninterest income to average assets | 0.3238% | 5,112 |
| Noninterest expense to average assets | 3.0730% | 2,760 |
| Loan and lease loss provision to assets | 0.2530% | 1,416 |
| Net operating income to assets | 1.2936% | 1,294 |
| Return on assets (ROA) | 1.3004% | 1,375 |
| Pretax return on assets | 1.3004% | 2,233 |
| Return on Equity (ROE) | 14.3957% | 882 |
| Retained earnings to average equity (ytd only) | 6.7404% | 2,291 |
| Net charge-offs to loans | 0.1967% | 2,235 |
| Credit loss provision to net charge-offs | 223.8806% | 1,004 |
| Earnings coverage of net charge-offs (x) | 13.6866% | 1,509 |
| Efficiency ratio | 66.5206% | 4,573 |
| Assets per employee ($millions) | 4.3342% | 3,272 |
| Cash dividends to net income (ytd only)* | 53.1777% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 1,820 |
| Loan loss allowance to noncurrent loans | 213.4848% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 4,630 |
| Noncurrent loans to loans | 0.9785% | 4,175 |
| Net loans and leases to total assets | 57.5018% | 3,845 |
| Net loans and leases to deposits | 63.6826% | 4,355 |
| Net loans and leases to core deposits | 68.3095% | 4,264 |
| Total domestic deposits to total assets | 90.2943% | 881 |
| Equity capital to assets | 9.3605% | 5,042 |
| Core capital (leverage) ratio | 8.6253% | 5,424 |
| Tier 1 risk-based capital ratio | 11.7800% | 6,041 |
| Total risk-based capital ratio | 13.0350% | 6,017 |
| Memoranda: | ||
| Average total assets | $237,163,500 | 2,706 |
| Average earning assets | $222,481,000 | 2,646 |
| Average equity | $21,423,000 | 3,090 |
| Average total loans | $136,270,500 | 2,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 810 |
| Cost of funding earning assets | 0.6336% | 4,063 |
| Net interest margin | 4.7341% | 612 |
| Noninterest income to average assets | 0.4535% | 4,226 |
| Noninterest expense to average assets | 3.3147% | 2,289 |
| Loan and lease loss provision to assets | 0.2639% | 2,532 |
| Net operating income to assets | 1.2924% | 1,329 |
| Return on assets (ROA) | 1.3114% | 1,409 |
| Pretax return on assets | 1.3114% | 2,350 |
| Return on Equity (ROE) | 14.5129% | 899 |
| Retained earnings to average equity (ytd only) | 6.5529% | 1,788 |
| Net charge-offs to loans | 0.1274% | 4,410 |
| Credit loss provision to net charge-offs | 352.9412% | 691 |
| Earnings coverage of net charge-offs (x) | 20.8118% | 1,336 |
| Efficiency ratio | 68.0484% | 4,134 |
| Assets per employee ($millions) | 4.5299% | 2,907 |
| Cash dividends to net income (ytd only)* | 54.8474% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 2,048 |
| Loan loss allowance to noncurrent loans | 135.2127% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 4,410 |
| Noncurrent loans to loans | 1.4691% | 3,393 |
| Net loans and leases to total assets | 55.1481% | 4,431 |
| Net loans and leases to deposits | 60.5926% | 4,960 |
| Net loans and leases to core deposits | 64.2309% | 4,928 |
| Total domestic deposits to total assets | 91.0145% | 488 |
| Equity capital to assets | 8.7255% | 5,826 |
| Core capital (leverage) ratio | 8.4138% | 5,737 |
| Tier 1 risk-based capital ratio | 12.0069% | 5,785 |
| Total risk-based capital ratio | 13.2620% | 5,733 |
| Memoranda: | ||
| Average total assets | $227,321,800 | 2,759 |
| Average earning assets | $212,122,000 | 2,706 |
| Average equity | $20,540,400 | 3,140 |
| Average total loans | $133,452,600 | 2,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 762 |
| Cost of funding earning assets | 0.6072% | 4,575 |
| Net interest margin | 4.8321% | 538 |
| Noninterest income to average assets | 0.4604% | 4,208 |
| Noninterest expense to average assets | 3.3237% | 2,208 |
| Loan and lease loss provision to assets | 0.2691% | 2,422 |
| Net operating income to assets | 1.3686% | 1,291 |
| Return on assets (ROA) | 1.3758% | 1,412 |
| Pretax return on assets | 1.3758% | 2,321 |
| Return on Equity (ROE) | 15.0836% | 887 |
| Retained earnings to average equity (ytd only) | 6.7584% | 2,245 |
| Net charge-offs to loans | 0.1974% | 3,547 |
| Credit loss provision to net charge-offs | 229.5918% | 1,203 |
| Earnings coverage of net charge-offs (x) | 13.9743% | 1,872 |
| Efficiency ratio | 66.9920% | 4,248 |
| Assets per employee ($millions) | 4.2154% | 3,435 |
| Cash dividends to net income (ytd only)* | 55.1934% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 2,527 |
| Loan loss allowance to noncurrent loans | 93.8349% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 3,860 |
| Noncurrent loans to loans | 2.0096% | 2,836 |
| Net loans and leases to total assets | 57.3845% | 4,221 |
| Net loans and leases to deposits | 63.4629% | 4,781 |
| Net loans and leases to core deposits | 67.6382% | 4,762 |
| Total domestic deposits to total assets | 90.4220% | 624 |
| Equity capital to assets | 9.1091% | 5,696 |
| Core capital (leverage) ratio | 8.6009% | 5,620 |
| Tier 1 risk-based capital ratio | 12.0792% | 5,898 |
| Total risk-based capital ratio | 13.3337% | 5,874 |
| Memoranda: | ||
| Average total assets | $222,998,250 | 2,824 |
| Average earning assets | $207,715,500 | 2,792 |
| Average equity | $20,339,500 | 3,197 |
| Average total loans | $132,407,000 | 2,867 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 728 |
| Cost of funding earning assets | 0.6258% | 4,671 |
| Net interest margin | 4.8700% | 498 |
| Noninterest income to average assets | 0.4626% | 4,187 |
| Noninterest expense to average assets | 3.3856% | 2,065 |
| Loan and lease loss provision to assets | 0.2727% | 2,401 |
| Net operating income to assets | 1.3242% | 1,377 |
| Return on assets (ROA) | 1.3433% | 1,480 |
| Pretax return on assets | 1.3433% | 2,410 |
| Return on Equity (ROE) | 14.7214% | 981 |
| Retained earnings to average equity (ytd only) | 6.2053% | 2,565 |
| Net charge-offs to loans | 0.2619% | 3,012 |
| Credit loss provision to net charge-offs | 174.4186% | 1,615 |
| Earnings coverage of net charge-offs (x) | 10.2151% | 2,084 |
| Efficiency ratio | 67.9497% | 4,131 |
| Assets per employee ($millions) | 3.9120% | 4,052 |
| Cash dividends to net income (ytd only)* | 57.8484% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,885 |
| Loan loss allowance to noncurrent loans | 81.3315% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 3,478 |
| Noncurrent loans to loans | 2.2008% | 2,714 |
| Net loans and leases to total assets | 59.8180% | 3,860 |
| Net loans and leases to deposits | 66.2297% | 4,482 |
| Net loans and leases to core deposits | 71.2381% | 4,385 |
| Total domestic deposits to total assets | 90.3190% | 753 |
| Equity capital to assets | 9.2599% | 5,381 |
| Core capital (leverage) ratio | 8.5335% | 5,605 |
| Tier 1 risk-based capital ratio | 12.8041% | 5,338 |
| Total risk-based capital ratio | 14.0592% | 5,303 |
| Memoranda: | ||
| Average total assets | $220,049,330 | 2,869 |
| Average earning assets | $204,230,330 | 2,829 |
| Average equity | $20,079,670 | 3,211 |
| Average total loans | $131,342,670 | 2,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 975 |
| Cost of funding earning assets | 0.6320% | 4,873 |
| Net interest margin | 4.7331% | 650 |
| Noninterest income to average assets | 0.3605% | 4,996 |
| Noninterest expense to average assets | 3.3379% | 2,176 |
| Loan and lease loss provision to assets | 0.2745% | 2,267 |
| Net operating income to assets | 1.1474% | 1,889 |
| Return on assets (ROA) | 1.1639% | 2,025 |
| Pretax return on assets | 1.1639% | 3,052 |
| Return on Equity (ROE) | 12.8514% | 1,449 |
| Retained earnings to average equity (ytd only) | 3.7584% | 4,333 |
| Net charge-offs to loans | 0.1921% | 2,959 |
| Credit loss provision to net charge-offs | 241.9355% | 1,176 |
| Earnings coverage of net charge-offs (x) | 12.5323% | 1,591 |
| Efficiency ratio | 70.1269% | 3,782 |
| Assets per employee ($millions) | 3.9491% | 4,113 |
| Cash dividends to net income (ytd only)* | 70.7547% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,897 |
| Loan loss allowance to noncurrent loans | 46.7083% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.4314% | 2,430 |
| Noncurrent loans to loans | 3.9130% | 1,573 |
| Net loans and leases to total assets | 58.0736% | 4,021 |
| Net loans and leases to deposits | 64.0921% | 4,623 |
| Net loans and leases to core deposits | 67.9691% | 4,677 |
| Total domestic deposits to total assets | 90.6096% | 741 |
| Equity capital to assets | 9.0146% | 5,473 |
| Core capital (leverage) ratio | 8.4986% | 5,593 |
| Tier 1 risk-based capital ratio | 12.8894% | 5,291 |
| Total risk-based capital ratio | 14.1444% | 5,264 |
| Memoranda: | ||
| Average total assets | $218,582,500 | 2,909 |
| Average earning assets | $203,163,500 | 2,859 |
| Average equity | $19,795,500 | 3,251 |
| Average total loans | $129,106,500 | 2,956 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 1,151 |
| Cost of funding earning assets | 0.7999% | 4,874 |
| Net interest margin | 4.7096% | 739 |
| Noninterest income to average assets | 0.4858% | 3,952 |
| Noninterest expense to average assets | 3.2650% | 2,636 |
| Loan and lease loss provision to assets | 0.4767% | 2,217 |
| Net operating income to assets | 1.0550% | 1,982 |
| Return on assets (ROA) | 1.0602% | 2,106 |
| Pretax return on assets | 1.0602% | 3,000 |
| Return on Equity (ROE) | 12.0198% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.9935% | 1,509 |
| Net charge-offs to loans | 0.7124% | 2,379 |
| Credit loss provision to net charge-offs | 115.7407% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.7188% | 3,412 |
| Efficiency ratio | 68.0680% | 4,343 |
| Assets per employee ($millions) | 3.9275% | 4,015 |
| Cash dividends to net income (ytd only)* | 41.8165% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,845 |
| Loan loss allowance to noncurrent loans | 66.9477% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8119% | 3,242 |
| Noncurrent loans to loans | 2.7003% | 2,404 |
| Net loans and leases to total assets | 57.9076% | 4,383 |
| Net loans and leases to deposits | 63.9300% | 5,021 |
| Net loans and leases to core deposits | 67.1783% | 5,139 |
| Total domestic deposits to total assets | 90.5797% | 674 |
| Equity capital to assets | 9.0990% | 5,410 |
| Core capital (leverage) ratio | 8.7546% | 5,164 |
| Tier 1 risk-based capital ratio | 13.0153% | 5,057 |
| Total risk-based capital ratio | 14.2706% | 5,026 |
| Memoranda: | ||
| Average total assets | $209,769,400 | 2,947 |
| Average earning assets | $192,013,400 | 2,945 |
| Average equity | $18,502,800 | 3,362 |
| Average total loans | $121,282,400 | 3,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 1,253 |
| Cost of funding earning assets | 0.8425% | 4,826 |
| Net interest margin | 4.6551% | 838 |
| Noninterest income to average assets | 0.5072% | 3,816 |
| Noninterest expense to average assets | 3.3165% | 2,443 |
| Loan and lease loss provision to assets | 0.5763% | 1,706 |
| Net operating income to assets | 0.8779% | 2,831 |
| Return on assets (ROA) | 0.8843% | 2,957 |
| Pretax return on assets | 0.8843% | 3,827 |
| Return on Equity (ROE) | 10.1088% | 2,162 |
| Retained earnings to average equity (ytd only) | 6.9978% | 1,970 |
| Net charge-offs to loans | 0.9853% | 1,638 |
| Credit loss provision to net charge-offs | 101.6949% | 3,298 |
| Earnings coverage of net charge-offs (x) | 2.5661% | 3,833 |
| Efficiency ratio | 69.5168% | 4,035 |
| Assets per employee ($millions) | 3.5626% | 4,843 |
| Cash dividends to net income (ytd only)* | 30.7746% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 3,125 |
| Loan loss allowance to noncurrent loans | 70.5236% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 3,650 |
| Noncurrent loans to loans | 2.4745% | 2,800 |
| Net loans and leases to total assets | 59.4537% | 4,243 |
| Net loans and leases to deposits | 66.0095% | 4,905 |
| Net loans and leases to core deposits | 69.4105% | 5,016 |
| Total domestic deposits to total assets | 90.0684% | 828 |
| Equity capital to assets | 9.4036% | 5,238 |
| Core capital (leverage) ratio | 8.6934% | 5,421 |
| Tier 1 risk-based capital ratio | 13.0561% | 5,056 |
| Total risk-based capital ratio | 14.3108% | 5,024 |
| Memoranda: | ||
| Average total assets | $208,208,500 | 2,982 |
| Average earning assets | $190,697,000 | 2,967 |
| Average equity | $18,214,750 | 3,400 |
| Average total loans | $119,755,250 | 3,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 1,411 |
| Cost of funding earning assets | 0.8829% | 4,808 |
| Net interest margin | 4.5676% | 972 |
| Noninterest income to average assets | 0.5222% | 3,685 |
| Noninterest expense to average assets | 3.4245% | 2,196 |
| Loan and lease loss provision to assets | 0.6707% | 1,437 |
| Net operating income to assets | 0.6056% | 4,041 |
| Return on assets (ROA) | 0.6151% | 4,117 |
| Pretax return on assets | 0.6151% | 4,696 |
| Return on Equity (ROE) | 7.2097% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,933 |
| Net charge-offs to loans | 1.2967% | 1,188 |
| Credit loss provision to net charge-offs | 91.5033% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.7412% | 3,997 |
| Efficiency ratio | 72.8496% | 3,574 |
| Assets per employee ($millions) | 3.7887% | 4,226 |
| Cash dividends to net income (ytd only)* | 49.8442% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 3,150 |
| Loan loss allowance to noncurrent loans | 64.6570% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 3,592 |
| Noncurrent loans to loans | 2.7072% | 2,687 |
| Net loans and leases to total assets | 56.6192% | 4,881 |
| Net loans and leases to deposits | 62.3305% | 5,460 |
| Net loans and leases to core deposits | 66.3930% | 5,458 |
| Total domestic deposits to total assets | 90.8369% | 569 |
| Equity capital to assets | 8.7105% | 5,930 |
| Core capital (leverage) ratio | 8.4322% | 5,660 |
| Tier 1 risk-based capital ratio | 12.9093% | 4,993 |
| Total risk-based capital ratio | 14.1631% | 4,966 |
| Memoranda: | ||
| Average total assets | $208,733,670 | 2,990 |
| Average earning assets | $190,952,330 | 2,980 |
| Average equity | $17,809,330 | 3,450 |
| Average total loans | $117,996,000 | 3,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 1,032 |
| Cost of funding earning assets | 0.9529% | 4,542 |
| Net interest margin | 4.6597% | 763 |
| Noninterest income to average assets | 0.5170% | 3,749 |
| Noninterest expense to average assets | 3.3833% | 2,324 |
| Loan and lease loss provision to assets | 0.5744% | 1,503 |
| Net operating income to assets | 0.8099% | 2,980 |
| Return on assets (ROA) | 0.8291% | 2,947 |
| Pretax return on assets | 0.8291% | 3,795 |
| Return on Equity (ROE) | 9.8194% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.9437% | 3,228 |
| Net charge-offs to loans | 1.7512% | 752 |
| Credit loss provision to net charge-offs | 58.5938% | 3,568 |
| Earnings coverage of net charge-offs (x) | 1.4121% | 3,644 |
| Efficiency ratio | 70.9639% | 4,066 |
| Assets per employee ($millions) | 3.5028% | 4,991 |
| Cash dividends to net income (ytd only)* | 49.6536% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,427 |
| Loan loss allowance to noncurrent loans | 50.5560% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.2534% | 3,002 |
| Noncurrent loans to loans | 3.3132% | 2,268 |
| Net loans and leases to total assets | 55.5294% | 5,070 |
| Net loans and leases to deposits | 60.9400% | 5,625 |
| Net loans and leases to core deposits | 63.9106% | 5,739 |
| Total domestic deposits to total assets | 91.1215% | 565 |
| Equity capital to assets | 8.4910% | 5,920 |
| Core capital (leverage) ratio | 8.3217% | 5,770 |
| Tier 1 risk-based capital ratio | 13.0849% | 4,761 |
| Total risk-based capital ratio | 14.3378% | 4,742 |
| Memoranda: | ||
| Average total assets | $208,910,500 | 3,001 |
| Average earning assets | $190,569,500 | 3,001 |
| Average equity | $17,638,500 | 3,468 |
| Average total loans | $116,951,500 | 3,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 963 |
| Cost of funding earning assets | 1.3562% | 3,531 |
| Net interest margin | 4.5833% | 1,041 |
| Noninterest income to average assets | 0.4344% | 4,643 |
| Noninterest expense to average assets | 3.3799% | 2,490 |
| Loan and lease loss provision to assets | 0.1780% | 5,440 |
| Net operating income to assets | 1.0122% | 1,986 |
| Return on assets (ROA) | 1.0112% | 2,102 |
| Pretax return on assets | 1.0112% | 2,897 |
| Return on Equity (ROE) | 11.3174% | 1,500 |
| Retained earnings to average equity (ytd only) | 5.7384% | 1,969 |
| Net charge-offs to loans | 0.3787% | 4,149 |
| Credit loss provision to net charge-offs | 76.4192% | 5,683 |
| Earnings coverage of net charge-offs (x) | 5.1092% | 2,709 |
| Efficiency ratio | 73.9566% | 3,406 |
| Assets per employee ($millions) | 3.6406% | 4,605 |
| Cash dividends to net income (ytd only)* | 49.2958% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,691 |
| Loan loss allowance to noncurrent loans | 53.7184% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3987% | 2,866 |
| Noncurrent loans to loans | 3.4424% | 2,204 |
| Net loans and leases to total assets | 54.4721% | 5,571 |
| Net loans and leases to deposits | 60.0182% | 6,056 |
| Net loans and leases to core deposits | 63.6934% | 6,083 |
| Total domestic deposits to total assets | 90.7594% | 715 |
| Equity capital to assets | 8.3962% | 6,007 |
| Core capital (leverage) ratio | 8.3520% | 5,606 |
| Tier 1 risk-based capital ratio | 13.2156% | 4,442 |
| Total risk-based capital ratio | 14.4705% | 4,387 |
| Memoranda: | ||
| Average total assets | $196,600,800 | 3,140 |
| Average earning assets | $177,404,000 | 3,153 |
| Average equity | $17,565,800 | 3,498 |
| Average total loans | $120,930,400 | 3,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1300% | 719 |
| Cost of funding earning assets | 1.4157% | 3,489 |
| Net interest margin | 4.7143% | 815 |
| Noninterest income to average assets | 0.4422% | 4,624 |
| Noninterest expense to average assets | 3.4742% | 2,100 |
| Loan and lease loss provision to assets | 0.1382% | 5,647 |
| Net operating income to assets | 1.0682% | 2,010 |
| Return on assets (ROA) | 1.0655% | 2,130 |
| Pretax return on assets | 1.0655% | 2,949 |
| Return on Equity (ROE) | 11.7315% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.4820% | 2,100 |
| Net charge-offs to loans | 0.0777% | 5,743 |
| Credit loss provision to net charge-offs | 281.6901% | 1,155 |
| Earnings coverage of net charge-offs (x) | 24.5926% | 1,020 |
| Efficiency ratio | 74.2250% | 3,282 |
| Assets per employee ($millions) | 3.2051% | 5,668 |
| Cash dividends to net income (ytd only)* | 44.7472% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,310 |
| Loan loss allowance to noncurrent loans | 60.1000% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2031% | 3,196 |
| Noncurrent loans to loans | 3.2682% | 2,425 |
| Net loans and leases to total assets | 60.3805% | 4,834 |
| Net loans and leases to deposits | 67.0363% | 5,544 |
| Net loans and leases to core deposits | 71.7227% | 5,548 |
| Total domestic deposits to total assets | 90.0714% | 843 |
| Equity capital to assets | 9.2186% | 5,285 |
| Core capital (leverage) ratio | 8.7697% | 5,067 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,653 |
| Total risk-based capital ratio | 14.1596% | 4,630 |
| Memoranda: | ||
| Average total assets | $192,962,500 | 3,243 |
| Average earning assets | $173,480,250 | 3,259 |
| Average equity | $17,525,000 | 3,551 |
| Average total loans | $121,866,250 | 3,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1624% | 668 |
| Cost of funding earning assets | 1.4828% | 3,350 |
| Net interest margin | 4.6796% | 842 |
| Noninterest income to average assets | 0.4219% | 4,736 |
| Noninterest expense to average assets | 3.4913% | 2,051 |
| Loan and lease loss provision to assets | 0.0680% | 6,273 |
| Net operating income to assets | 1.0584% | 1,990 |
| Return on assets (ROA) | 1.0532% | 2,078 |
| Pretax return on assets | 1.0532% | 2,920 |
| Return on Equity (ROE) | 11.6568% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.6163% | 2,010 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6064% | 3,143 |
| Assets per employee ($millions) | 3.4457% | 5,059 |
| Cash dividends to net income (ytd only)* | 43.2406% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,438 |
| Loan loss allowance to noncurrent loans | 136.2049% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,998 |
| Noncurrent loans to loans | 1.3880% | 4,623 |
| Net loans and leases to total assets | 60.7632% | 4,916 |
| Net loans and leases to deposits | 67.7978% | 5,578 |
| Net loans and leases to core deposits | 73.6236% | 5,486 |
| Total domestic deposits to total assets | 89.6241% | 1,112 |
| Equity capital to assets | 8.9088% | 5,590 |
| Core capital (leverage) ratio | 8.6568% | 5,147 |
| Tier 1 risk-based capital ratio | 12.9388% | 4,502 |
| Total risk-based capital ratio | 14.1954% | 4,449 |
| Memoranda: | ||
| Average total assets | $191,044,000 | 3,289 |
| Average earning assets | $171,297,330 | 3,320 |
| Average equity | $17,260,330 | 3,593 |
| Average total loans | $121,691,330 | 3,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9549% | 1,064 |
| Cost of funding earning assets | 1.5153% | 3,455 |
| Net interest margin | 4.4396% | 1,272 |
| Noninterest income to average assets | 0.3858% | 5,035 |
| Noninterest expense to average assets | 3.5533% | 1,838 |
| Loan and lease loss provision to assets | 0.0536% | 6,129 |
| Net operating income to assets | 0.8915% | 2,581 |
| Return on assets (ROA) | 0.9216% | 2,531 |
| Pretax return on assets | 0.9216% | 3,379 |
| Return on Equity (ROE) | 10.1245% | 2,059 |
| Retained earnings to average equity (ytd only) | 4.9445% | 3,187 |
| Net charge-offs to loans | 0.1094% | 4,334 |
| Credit loss provision to net charge-offs | 75.7576% | 3,981 |
| Earnings coverage of net charge-offs (x) | 13.3636% | 1,501 |
| Efficiency ratio | 78.9900% | 2,727 |
| Assets per employee ($millions) | 3.2669% | 5,614 |
| Cash dividends to net income (ytd only)* | 51.1628% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,549 |
| Loan loss allowance to noncurrent loans | 47.2390% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.6738% | 2,727 |
| Noncurrent loans to loans | 3.9372% | 2,011 |
| Net loans and leases to total assets | 64.2397% | 4,282 |
| Net loans and leases to deposits | 71.1748% | 5,168 |
| Net loans and leases to core deposits | 78.6087% | 4,948 |
| Total domestic deposits to total assets | 90.2563% | 852 |
| Equity capital to assets | 9.2196% | 4,966 |
| Core capital (leverage) ratio | 8.8553% | 4,788 |
| Tier 1 risk-based capital ratio | 13.0911% | 4,267 |
| Total risk-based capital ratio | 14.3483% | 4,234 |
| Memoranda: | ||
| Average total assets | $186,642,000 | 3,409 |
| Average earning assets | $172,900,000 | 3,356 |
| Average equity | $16,988,500 | 3,656 |
| Average total loans | $120,650,000 | 3,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7743% | 401 |
| Cost of funding earning assets | 1.9790% | 3,063 |
| Net interest margin | 4.7953% | 701 |
| Noninterest income to average assets | 0.3938% | 5,254 |
| Noninterest expense to average assets | 3.2835% | 3,069 |
| Loan and lease loss provision to assets | 0.4736% | 3,990 |
| Net operating income to assets | 1.0016% | 1,837 |
| Return on assets (ROA) | 1.0133% | 1,846 |
| Pretax return on assets | 1.0159% | 2,537 |
| Return on Equity (ROE) | 11.5579% | 1,274 |
| Retained earnings to average equity (ytd only) | 6.8534% | 1,017 |
| Net charge-offs to loans | 0.2247% | 5,217 |
| Credit loss provision to net charge-offs | 342.3077% | 947 |
| Earnings coverage of net charge-offs (x) | 10.6808% | 1,656 |
| Efficiency ratio | 68.9617% | 4,835 |
| Assets per employee ($millions) | 3.3406% | 5,401 |
| Cash dividends to net income (ytd only)* | 40.7038% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 2,252 |
| Loan loss allowance to noncurrent loans | 75.3311% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 3,526 |
| Noncurrent loans to loans | 2.5291% | 3,024 |
| Net loans and leases to total assets | 62.6155% | 4,886 |
| Net loans and leases to deposits | 69.1598% | 5,704 |
| Net loans and leases to core deposits | 89.4134% | 5,189 |
| Total domestic deposits to total assets | 90.5373% | 728 |
| Equity capital to assets | 8.9853% | 5,171 |
| Core capital (leverage) ratio | 8.3916% | 5,455 |
| Tier 1 risk-based capital ratio | 12.9057% | 4,204 |
| Total risk-based capital ratio | 14.1626% | 4,150 |
| Memoranda: | ||
| Average total assets | $187,906,800 | 3,314 |
| Average earning assets | $171,145,800 | 3,331 |
| Average equity | $16,473,600 | 3,783 |
| Average total loans | $115,692,800 | 3,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8851% | 361 |
| Cost of funding earning assets | 2.0719% | 3,025 |
| Net interest margin | 4.8132% | 668 |
| Noninterest income to average assets | 0.3466% | 5,726 |
| Noninterest expense to average assets | 3.2951% | 2,938 |
| Loan and lease loss provision to assets | 0.5528% | 3,173 |
| Net operating income to assets | 0.8626% | 2,566 |
| Return on assets (ROA) | 0.8541% | 2,662 |
| Pretax return on assets | 0.8583% | 3,361 |
| Return on Equity (ROE) | 9.8027% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.6945% | 2,104 |
| Net charge-offs to loans | 0.2939% | 4,187 |
| Credit loss provision to net charge-offs | 308.3004% | 1,339 |
| Earnings coverage of net charge-offs (x) | 7.9171% | 2,328 |
| Efficiency ratio | 69.8888% | 4,618 |
| Assets per employee ($millions) | 3.4443% | 5,066 |
| Cash dividends to net income (ytd only)* | 41.9088% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 2,349 |
| Loan loss allowance to noncurrent loans | 82.6484% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7861% | 3,677 |
| Noncurrent loans to loans | 2.1528% | 3,443 |
| Net loans and leases to total assets | 62.1627% | 5,216 |
| Net loans and leases to deposits | 69.8877% | 5,932 |
| Net loans and leases to core deposits | 92.8356% | 5,151 |
| Total domestic deposits to total assets | 88.9466% | 1,220 |
| Equity capital to assets | 8.8091% | 5,776 |
| Core capital (leverage) ratio | 8.4961% | 5,504 |
| Tier 1 risk-based capital ratio | 12.4715% | 4,568 |
| Total risk-based capital ratio | 13.7274% | 4,514 |
| Memoranda: | ||
| Average total assets | $188,115,500 | 3,331 |
| Average earning assets | $170,721,750 | 3,366 |
| Average equity | $16,389,750 | 3,837 |
| Average total loans | $114,763,250 | 3,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0875% | 271 |
| Cost of funding earning assets | 2.2359% | 2,641 |
| Net interest margin | 4.8516% | 601 |
| Noninterest income to average assets | 0.3067% | 6,059 |
| Noninterest expense to average assets | 3.2489% | 3,157 |
| Loan and lease loss provision to assets | 0.6433% | 2,503 |
| Net operating income to assets | 0.7769% | 2,946 |
| Return on assets (ROA) | 0.7334% | 3,225 |
| Pretax return on assets | 0.7398% | 3,866 |
| Return on Equity (ROE) | 8.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.6587% | 1,717 |
| Net charge-offs to loans | 0.2973% | 3,697 |
| Credit loss provision to net charge-offs | 359.2814% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.9701% | 2,348 |
| Efficiency ratio | 69.4795% | 4,882 |
| Assets per employee ($millions) | 3.3492% | 5,192 |
| Cash dividends to net income (ytd only)* | 21.1988% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 2,381 |
| Loan loss allowance to noncurrent loans | 32.7193% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 3.8945% | 1,545 |
| Noncurrent loans to loans | 5.1699% | 1,163 |
| Net loans and leases to total assets | 65.5605% | 4,656 |
| Net loans and leases to deposits | 72.5741% | 5,658 |
| Net loans and leases to core deposits | 96.7529% | 4,819 |
| Total domestic deposits to total assets | 90.3359% | 690 |
| Equity capital to assets | 8.8786% | 5,483 |
| Core capital (leverage) ratio | 8.4070% | 5,602 |
| Tier 1 risk-based capital ratio | 12.2253% | 4,735 |
| Total risk-based capital ratio | 13.4798% | 4,647 |
| Memoranda: | ||
| Average total assets | $186,527,000 | 3,387 |
| Average earning assets | $167,987,000 | 3,428 |
| Average equity | $16,189,330 | 3,885 |
| Average total loans | $112,327,000 | 3,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4099% | 189 |
| Cost of funding earning assets | 2.3551% | 2,491 |
| Net interest margin | 5.0548% | 358 |
| Noninterest income to average assets | 0.3090% | 5,973 |
| Noninterest expense to average assets | 2.9752% | 3,871 |
| Loan and lease loss provision to assets | 0.9590% | 1,354 |
| Net operating income to assets | 0.8652% | 2,859 |
| Return on assets (ROA) | 0.8631% | 3,020 |
| Pretax return on assets | 0.8738% | 3,816 |
| Return on Equity (ROE) | 10.0581% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,436 |
| Net charge-offs to loans | 0.3474% | 2,695 |
| Credit loss provision to net charge-offs | 483.8710% | 1,113 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 2,077 |
| Efficiency ratio | 61.8520% | 6,079 |
| Assets per employee ($millions) | 3.3691% | 5,155 |
| Cash dividends to net income (ytd only)* | 35.8025% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 1,925 |
| Loan loss allowance to noncurrent loans | 37.9167% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 3.3414% | 1,635 |
| Noncurrent loans to loans | 4.6738% | 1,202 |
| Net loans and leases to total assets | 60.9958% | 5,497 |
| Net loans and leases to deposits | 67.7706% | 6,206 |
| Net loans and leases to core deposits | 89.8047% | 5,572 |
| Total domestic deposits to total assets | 90.0032% | 799 |
| Equity capital to assets | 9.0035% | 5,344 |
| Core capital (leverage) ratio | 8.2674% | 5,965 |
| Tier 1 risk-based capital ratio | 12.4242% | 4,588 |
| Total risk-based capital ratio | 13.6789% | 4,516 |
| Memoranda: | ||
| Average total assets | $187,687,000 | 3,385 |
| Average earning assets | $167,128,500 | 3,463 |
| Average equity | $16,106,500 | 3,926 |
| Average total loans | $107,068,000 | 3,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9034% | 1,382 |
| Cost of funding earning assets | 3.1611% | 1,315 |
| Net interest margin | 3.7423% | 4,262 |
| Noninterest income to average assets | 0.2947% | 6,353 |
| Noninterest expense to average assets | 2.5512% | 5,824 |
| Loan and lease loss provision to assets | 0.1685% | 5,221 |
| Net operating income to assets | 0.9961% | 2,574 |
| Return on assets (ROA) | 0.9739% | 2,552 |
| Pretax return on assets | 0.9739% | 3,475 |
| Return on Equity (ROE) | 11.9338% | 1,613 |
| Retained earnings to average equity (ytd only) | 4.5333% | 2,302 |
| Net charge-offs to loans | 0.1850% | 4,353 |
| Credit loss provision to net charge-offs | 172.7778% | 2,957 |
| Earnings coverage of net charge-offs (x) | 11.9444% | 2,312 |
| Efficiency ratio | 68.6589% | 4,599 |
| Assets per employee ($millions) | 4.0301% | 3,448 |
| Cash dividends to net income (ytd only)* | 62.0133% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 2,062 |
| Loan loss allowance to noncurrent loans | 37.0617% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.7424% | 1,724 |
| Noncurrent loans to loans | 4.4541% | 1,070 |
| Net loans and leases to total assets | 51.4332% | 6,900 |
| Net loans and leases to deposits | 56.3494% | 7,292 |
| Net loans and leases to core deposits | 72.5161% | 7,042 |
| Total domestic deposits to total assets | 91.2756% | 254 |
| Equity capital to assets | 8.1848% | 6,571 |
| Core capital (leverage) ratio | 8.3204% | 5,914 |
| Tier 1 risk-based capital ratio | 12.8497% | 4,192 |
| Total risk-based capital ratio | 14.1019% | 4,115 |
| Memoranda: | ||
| Average total assets | $184,615,800 | 3,349 |
| Average earning assets | $168,773,000 | 3,353 |
| Average equity | $15,066,400 | 4,125 |
| Average total loans | $97,315,000 | 4,022 |