Home > First Option Bank > Performance and Condition Ratios
First Option Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 3,484 |
| Cost of funding earning assets | 1.7583% | 1,330 |
| Net interest margin | 2.5141% | 4,080 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 2.7346% | 1,654 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7278% | 3,112 |
| Return on assets (ROA) | 0.6971% | 3,172 |
| Pretax return on assets | 0.7266% | 3,381 |
| Return on Equity (ROE) | 15.3700% | 1,215 |
| Retained earnings to average equity (ytd only) | 7.2497% | 1,810 |
| Net charge-offs to loans | 0.0346% | 1,614 |
| Credit loss provision to net charge-offs | 575.7353% | 610 |
| Earnings coverage of net charge-offs (x) | 43.4118% | 1,390 |
| Efficiency ratio | 75.4966% | 1,296 |
| Assets per employee ($millions) | 6.5983% | 2,342 |
| Cash dividends to net income (ytd only)* | 52.8262% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 3,985 |
| Loan loss allowance to noncurrent loans | 1,075.4717% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,265 |
| Noncurrent loans to loans | 0.0736% | 3,191 |
| Net loans and leases to total assets | 60.7500% | 2,780 |
| Net loans and leases to deposits | 70.2141% | 2,881 |
| Net loans and leases to core deposits | 81.2816% | 2,632 |
| Total domestic deposits to total assets | 86.5200% | 1,850 |
| Equity capital to assets | 4.9422% | 4,423 |
| Core capital (leverage) ratio | 7.8526% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4093% | 1,719 |
| Memoranda: | ||
| Average total assets | $675,062,600 | 1,343 |
| Average earning assets | $635,897,000 | 1,317 |
| Average equity | $30,621,800 | 2,239 |
| Average total loans | $393,100,600 | 1,491 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 3,517 |
| Cost of funding earning assets | 1.6124% | 1,351 |
| Net interest margin | 2.5615% | 4,079 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.7135% | 1,621 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8756% | 2,777 |
| Return on assets (ROA) | 0.8338% | 2,901 |
| Pretax return on assets | 0.8555% | 3,202 |
| Return on Equity (ROE) | 18.8300% | 839 |
| Retained earnings to average equity (ytd only) | 13.9899% | 671 |
| Net charge-offs to loans | 0.0508% | 1,171 |
| Credit loss provision to net charge-offs | 140.4110% | 1,360 |
| Earnings coverage of net charge-offs (x) | 32.2123% | 1,558 |
| Efficiency ratio | 74.0101% | 1,359 |
| Assets per employee ($millions) | 6.5017% | 2,327 |
| Cash dividends to net income (ytd only)* | 25.6890% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,147 |
| Loan loss allowance to noncurrent loans | 1,142.4125% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,433 |
| Noncurrent loans to loans | 0.0608% | 3,318 |
| Net loans and leases to total assets | 60.3100% | 2,810 |
| Net loans and leases to deposits | 71.5547% | 2,734 |
| Net loans and leases to core deposits | 81.1146% | 2,524 |
| Total domestic deposits to total assets | 84.2900% | 2,689 |
| Equity capital to assets | 4.6290% | 4,315 |
| Core capital (leverage) ratio | 7.6958% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0787% | 1,869 |
| Memoranda: | ||
| Average total assets | $667,324,250 | 1,354 |
| Average earning assets | $629,766,250 | 1,323 |
| Average equity | $29,554,000 | 2,267 |
| Average total loans | $383,297,250 | 1,517 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,528 |
| Cost of funding earning assets | 1.4740% | 1,292 |
| Net interest margin | 2.6062% | 4,106 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 2.7498% | 1,529 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8647% | 2,875 |
| Return on assets (ROA) | 0.8470% | 2,941 |
| Pretax return on assets | 0.8527% | 3,277 |
| Return on Equity (ROE) | 19.4300% | 779 |
| Retained earnings to average equity (ytd only) | 9.4730% | 1,557 |
| Net charge-offs to loans | 0.0373% | 1,162 |
| Credit loss provision to net charge-offs | 198.5507% | 1,052 |
| Earnings coverage of net charge-offs (x) | 43.4928% | 1,357 |
| Efficiency ratio | 74.8132% | 1,274 |
| Assets per employee ($millions) | 6.6065% | 2,204 |
| Cash dividends to net income (ytd only)* | 51.2563% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,144 |
| Loan loss allowance to noncurrent loans | 1,807.4074% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,573 |
| Noncurrent loans to loans | 0.0401% | 3,444 |
| Net loans and leases to total assets | 57.8400% | 2,978 |
| Net loans and leases to deposits | 68.7901% | 2,874 |
| Net loans and leases to core deposits | 74.1082% | 2,873 |
| Total domestic deposits to total assets | 84.0900% | 2,802 |
| Equity capital to assets | 4.3410% | 4,470 |
| Core capital (leverage) ratio | 7.9591% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9537% | 1,917 |
| Memoranda: | ||
| Average total assets | $657,873,333 | 1,364 |
| Average earning assets | $621,291,333 | 1,341 |
| Average equity | $28,671,000 | 2,325 |
| Average total loans | $370,220,667 | 1,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,825 |
| Cost of funding earning assets | 1.3180% | 1,191 |
| Net interest margin | 2.5004% | 4,302 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 2.8033% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8144% | 3,151 |
| Return on assets (ROA) | 0.8144% | 3,098 |
| Pretax return on assets | 0.8075% | 3,448 |
| Return on Equity (ROE) | 18.6500% | 936 |
| Retained earnings to average equity (ytd only) | 10.3327% | 1,620 |
| Net charge-offs to loans | 0.0725% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 20.1875% | 1,448 |
| Efficiency ratio | 77.3585% | 1,062 |
| Assets per employee ($millions) | 5.7294% | 3,001 |
| Cash dividends to net income (ytd only)* | 44.5894% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 4,099 |
| Loan loss allowance to noncurrent loans | 1,995.1389% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,586 |
| Noncurrent loans to loans | 0.0398% | 3,457 |
| Net loans and leases to total assets | 55.4300% | 3,075 |
| Net loans and leases to deposits | 63.9659% | 3,089 |
| Net loans and leases to core deposits | 70.8479% | 2,894 |
| Total domestic deposits to total assets | 86.6600% | 2,386 |
| Equity capital to assets | 4.4538% | 4,500 |
| Core capital (leverage) ratio | 8.1246% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2223% | 1,324 |
| Memoranda: | ||
| Average total assets | $639,967,500 | 1,413 |
| Average earning assets | $604,542,000 | 1,393 |
| Average equity | $27,950,000 | 2,391 |
| Average total loans | $353,242,500 | 1,604 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 3,570 |
| Cost of funding earning assets | 0.5451% | 1,133 |
| Net interest margin | 2.7637% | 3,949 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.6603% | 1,652 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1306% | 2,051 |
| Return on assets (ROA) | 1.1275% | 2,008 |
| Pretax return on assets | 1.1859% | 2,482 |
| Return on Equity (ROE) | 21.4400% | 368 |
| Retained earnings to average equity (ytd only) | 2.0907% | 3,954 |
| Net charge-offs to loans | 0.0033% | 2,360 |
| Credit loss provision to net charge-offs | 1,570.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 744.8000% | 241 |
| Efficiency ratio | 68.3741% | 1,916 |
| Assets per employee ($millions) | 5.9113% | 2,839 |
| Cash dividends to net income (ytd only)* | 90.2503% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 3,915 |
| Loan loss allowance to noncurrent loans | 1,490.8629% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,499 |
| Noncurrent loans to loans | 0.0571% | 3,350 |
| Net loans and leases to total assets | 54.0400% | 3,198 |
| Net loans and leases to deposits | 58.0554% | 3,455 |
| Net loans and leases to core deposits | 63.5583% | 3,288 |
| Total domestic deposits to total assets | 93.0800% | 388 |
| Equity capital to assets | 4.2790% | 4,489 |
| Core capital (leverage) ratio | 8.2632% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0798% | 1,351 |
| Memoranda: | ||
| Average total assets | $613,122,200 | 1,452 |
| Average earning assets | $578,929,400 | 1,427 |
| Average equity | $32,238,200 | 2,235 |
| Average total loans | $306,213,800 | 1,700 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1690% | 3,512 |
| Cost of funding earning assets | 0.3595% | 1,624 |
| Net interest margin | 2.8094% | 3,715 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.6034% | 1,706 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2327% | 1,576 |
| Return on assets (ROA) | 1.2286% | 1,567 |
| Pretax return on assets | 1.2899% | 2,080 |
| Return on Equity (ROE) | 19.3100% | 499 |
| Retained earnings to average equity (ytd only) | 1.5672% | 4,127 |
| Net charge-offs to loans | 0.0013% | 2,266 |
| Credit loss provision to net charge-offs | 3,500.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 2,021.0000% | 57 |
| Efficiency ratio | 66.1292% | 2,262 |
| Assets per employee ($millions) | 6.1619% | 2,614 |
| Cash dividends to net income (ytd only)* | 91.8847% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 3,875 |
| Loan loss allowance to noncurrent loans | 1,468.0203% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,605 |
| Noncurrent loans to loans | 0.0609% | 3,443 |
| Net loans and leases to total assets | 51.4900% | 3,338 |
| Net loans and leases to deposits | 59.4287% | 3,248 |
| Net loans and leases to core deposits | 65.0493% | 3,020 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 5.8181% | 4,027 |
| Core capital (leverage) ratio | 8.1566% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6135% | 1,062 |
| Memoranda: | ||
| Average total assets | $613,793,500 | 1,456 |
| Average earning assets | $580,360,750 | 1,433 |
| Average equity | $39,050,250 | 1,977 |
| Average total loans | $296,587,500 | 1,727 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 3,406 |
| Cost of funding earning assets | 0.2563% | 2,181 |
| Net interest margin | 2.8026% | 3,441 |
| Noninterest income to average assets | 1.3000% | 428 |
| Noninterest expense to average assets | 2.5892% | 1,669 |
| Loan and lease loss provision to assets | 0.0175% | 2,290 |
| Net operating income to assets | 1.2780% | 1,197 |
| Return on assets (ROA) | 1.2780% | 1,185 |
| Pretax return on assets | 1.3458% | 1,593 |
| Return on Equity (ROE) | 21.5658% | 217 |
| Retained earnings to average equity (ytd only) | -1.4069% | 4,331 |
| Net charge-offs to loans | -0.0035% | 3,242 |
| Credit loss provision to net charge-offs | -1,060.0000% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2326% | 2,615 |
| Assets per employee ($millions) | 6.0288% | 2,718 |
| Cash dividends to net income (ytd only)* | 106.5240% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 3,964 |
| Loan loss allowance to noncurrent loans | 4,313.6364% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,923 |
| Noncurrent loans to loans | 0.0208% | 3,813 |
| Net loans and leases to total assets | 51.7643% | 3,184 |
| Net loans and leases to deposits | 55.7853% | 3,401 |
| Net loans and leases to core deposits | 60.7225% | 3,218 |
| Total domestic deposits to total assets | 92.7920% | 564 |
| Equity capital to assets | 3.8561% | 4,639 |
| Core capital (leverage) ratio | 8.3437% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9920% | 1,434 |
| Memoranda: | ||
| Average total assets | $606,908,000 | 1,480 |
| Average earning assets | $574,389,667 | 1,456 |
| Average equity | $35,964,333 | 2,158 |
| Average total loans | $287,662,333 | 1,766 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9068% | 3,517 |
| Cost of funding earning assets | 0.2048% | 2,734 |
| Net interest margin | 2.7020% | 3,394 |
| Noninterest income to average assets | 1.3421% | 411 |
| Noninterest expense to average assets | 2.5945% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2312% | 1,167 |
| Return on assets (ROA) | 1.2312% | 1,151 |
| Pretax return on assets | 1.3170% | 1,454 |
| Return on Equity (ROE) | 17.6750% | 362 |
| Retained earnings to average equity (ytd only) | -13.6851% | 4,628 |
| Net charge-offs to loans | -0.0029% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0591% | 2,766 |
| Assets per employee ($millions) | 5.7998% | 3,000 |
| Cash dividends to net income (ytd only)* | 177.4263% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,896 |
| Loan loss allowance to noncurrent loans | 6,977.5000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,024 |
| Noncurrent loans to loans | 0.0137% | 3,911 |
| Net loans and leases to total assets | 48.0932% | 3,378 |
| Net loans and leases to deposits | 53.1565% | 3,482 |
| Net loans and leases to core deposits | 55.6674% | 3,474 |
| Total domestic deposits to total assets | 90.4747% | 1,311 |
| Equity capital to assets | 5.7159% | 4,635 |
| Core capital (leverage) ratio | 8.1928% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5218% | 1,138 |
| Memoranda: | ||
| Average total assets | $605,907,000 | 1,489 |
| Average earning assets | $576,174,500 | 1,458 |
| Average equity | $42,206,500 | 1,972 |
| Average total loans | $272,471,000 | 1,827 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 3,779 |
| Cost of funding earning assets | 0.2076% | 3,393 |
| Net interest margin | 2.8440% | 3,577 |
| Noninterest income to average assets | 1.5731% | 461 |
| Noninterest expense to average assets | 2.6005% | 1,868 |
| Loan and lease loss provision to assets | 0.0127% | 2,831 |
| Net operating income to assets | 1.6218% | 757 |
| Return on assets (ROA) | 1.6182% | 804 |
| Pretax return on assets | 1.6550% | 1,258 |
| Return on Equity (ROE) | 18.6562% | 403 |
| Retained earnings to average equity (ytd only) | 14.0940% | 295 |
| Net charge-offs to loans | -0.0897% | 4,552 |
| Credit loss provision to net charge-offs | -31.8182% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5955% | 3,063 |
| Assets per employee ($millions) | 6.0261% | 2,744 |
| Cash dividends to net income (ytd only)* | 24.4541% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,331 |
| Loan loss allowance to noncurrent loans | 2,606.5421% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,968 |
| Noncurrent loans to loans | 0.0424% | 3,771 |
| Net loans and leases to total assets | 40.9562% | 4,035 |
| Net loans and leases to deposits | 44.7596% | 4,145 |
| Net loans and leases to core deposits | 46.4329% | 4,166 |
| Total domestic deposits to total assets | 91.5026% | 313 |
| Equity capital to assets | 8.2046% | 4,231 |
| Core capital (leverage) ratio | 8.4812% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6223% | 947 |
| Memoranda: | ||
| Average total assets | $551,899,800 | 1,572 |
| Average earning assets | $523,691,400 | 1,538 |
| Average equity | $47,871,400 | 1,826 |
| Average total loans | $245,277,400 | 1,959 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 3,696 |
| Cost of funding earning assets | 0.2176% | 3,443 |
| Net interest margin | 2.9353% | 3,468 |
| Noninterest income to average assets | 1.6730% | 451 |
| Noninterest expense to average assets | 2.6807% | 1,636 |
| Loan and lease loss provision to assets | 0.0173% | 2,661 |
| Net operating income to assets | 1.7257% | 782 |
| Return on assets (ROA) | 1.7208% | 825 |
| Pretax return on assets | 1.7523% | 1,271 |
| Return on Equity (ROE) | 19.5398% | 461 |
| Retained earnings to average equity (ytd only) | 15.1757% | 372 |
| Net charge-offs to loans | -0.0443% | 4,291 |
| Credit loss provision to net charge-offs | -86.4198% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8954% | 2,989 |
| Assets per employee ($millions) | 5.5082% | 3,196 |
| Cash dividends to net income (ytd only)* | 22.3343% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,245 |
| Loan loss allowance to noncurrent loans | 1,147.4576% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 3,849 |
| Noncurrent loans to loans | 0.0995% | 3,585 |
| Net loans and leases to total assets | 42.9933% | 4,024 |
| Net loans and leases to deposits | 47.6283% | 4,139 |
| Net loans and leases to core deposits | 49.5947% | 4,164 |
| Total domestic deposits to total assets | 90.2684% | 648 |
| Equity capital to assets | 9.2069% | 3,647 |
| Core capital (leverage) ratio | 8.4260% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1667% | 1,104 |
| Memoranda: | ||
| Average total assets | $537,716,500 | 1,616 |
| Average earning assets | $509,692,000 | 1,586 |
| Average equity | $47,355,250 | 1,867 |
| Average total loans | $243,581,250 | 1,996 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 3,480 |
| Cost of funding earning assets | 0.2253% | 3,510 |
| Net interest margin | 3.0552% | 3,167 |
| Noninterest income to average assets | 1.4126% | 601 |
| Noninterest expense to average assets | 2.6309% | 1,769 |
| Loan and lease loss provision to assets | 0.0262% | 2,449 |
| Net operating income to assets | 1.6345% | 973 |
| Return on assets (ROA) | 1.6271% | 1,048 |
| Pretax return on assets | 1.6462% | 1,621 |
| Return on Equity (ROE) | 18.7652% | 565 |
| Retained earnings to average equity (ytd only) | 14.7398% | 470 |
| Net charge-offs to loans | -0.0513% | 4,385 |
| Credit loss provision to net charge-offs | -111.1111% | 3,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7456% | 2,903 |
| Assets per employee ($millions) | 5.5454% | 3,072 |
| Cash dividends to net income (ytd only)* | 21.4515% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,695.0617% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,043 |
| Noncurrent loans to loans | 0.0670% | 3,856 |
| Net loans and leases to total assets | 43.1127% | 4,103 |
| Net loans and leases to deposits | 47.4487% | 4,250 |
| Net loans and leases to core deposits | 49.3826% | 4,256 |
| Total domestic deposits to total assets | 90.8617% | 413 |
| Equity capital to assets | 8.7081% | 4,039 |
| Core capital (leverage) ratio | 8.0909% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1202% | 935 |
| Memoranda: | ||
| Average total assets | $535,186,000 | 1,613 |
| Average earning assets | $507,662,000 | 1,585 |
| Average equity | $46,405,000 | 1,884 |
| Average total loans | $245,723,667 | 1,994 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 3,381 |
| Cost of funding earning assets | 0.2386% | 3,576 |
| Net interest margin | 3.0928% | 3,012 |
| Noninterest income to average assets | 1.3747% | 693 |
| Noninterest expense to average assets | 2.6930% | 1,638 |
| Loan and lease loss provision to assets | 0.0129% | 2,614 |
| Net operating income to assets | 1.6274% | 1,065 |
| Return on assets (ROA) | 1.6274% | 1,121 |
| Pretax return on assets | 1.6084% | 1,702 |
| Return on Equity (ROE) | 18.8111% | 643 |
| Retained earnings to average equity (ytd only) | 12.5818% | 1,007 |
| Net charge-offs to loans | -0.0921% | 4,608 |
| Credit loss provision to net charge-offs | -29.8246% | 2,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1383% | 2,733 |
| Assets per employee ($millions) | 5.4159% | 3,201 |
| Cash dividends to net income (ytd only)* | 33.1151% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,477 |
| Loan loss allowance to noncurrent loans | 633.2564% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,806 |
| Noncurrent loans to loans | 0.1724% | 3,491 |
| Net loans and leases to total assets | 46.3375% | 3,936 |
| Net loans and leases to deposits | 50.8037% | 4,117 |
| Net loans and leases to core deposits | 53.2273% | 4,132 |
| Total domestic deposits to total assets | 91.2088% | 326 |
| Equity capital to assets | 8.4030% | 4,194 |
| Core capital (leverage) ratio | 8.0883% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5442% | 843 |
| Memoranda: | ||
| Average total assets | $525,507,000 | 1,617 |
| Average earning assets | $499,481,000 | 1,590 |
| Average equity | $45,462,500 | 1,901 |
| Average total loans | $247,673,000 | 1,979 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 3,828 |
| Cost of funding earning assets | 0.4155% | 3,489 |
| Net interest margin | 3.1776% | 3,415 |
| Noninterest income to average assets | 1.4188% | 588 |
| Noninterest expense to average assets | 2.9525% | 1,538 |
| Loan and lease loss provision to assets | 0.1899% | 2,047 |
| Net operating income to assets | 1.2156% | 1,496 |
| Return on assets (ROA) | 1.2274% | 1,567 |
| Pretax return on assets | 1.2881% | 2,022 |
| Return on Equity (ROE) | 13.6034% | 902 |
| Retained earnings to average equity (ytd only) | 7.5430% | 1,185 |
| Net charge-offs to loans | 0.0353% | 2,344 |
| Credit loss provision to net charge-offs | 1,077.7778% | 744 |
| Earnings coverage of net charge-offs (x) | 83.1852% | 876 |
| Efficiency ratio | 66.4583% | 2,456 |
| Assets per employee ($millions) | 5.2004% | 3,158 |
| Cash dividends to net income (ytd only)* | 44.5508% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,387 |
| Loan loss allowance to noncurrent loans | 972.5000% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,068 |
| Noncurrent loans to loans | 0.1147% | 3,830 |
| Net loans and leases to total assets | 46.8945% | 4,063 |
| Net loans and leases to deposits | 51.6898% | 4,231 |
| Net loans and leases to core deposits | 55.1876% | 4,196 |
| Total domestic deposits to total assets | 90.7229% | 299 |
| Equity capital to assets | 8.9096% | 4,135 |
| Core capital (leverage) ratio | 8.2432% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6097% | 960 |
| Memoranda: | ||
| Average total assets | $459,753,400 | 1,671 |
| Average earning assets | $433,937,400 | 1,646 |
| Average equity | $41,482,400 | 1,972 |
| Average total loans | $229,468,000 | 2,040 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 3,632 |
| Cost of funding earning assets | 0.4564% | 3,488 |
| Net interest margin | 3.3195% | 3,127 |
| Noninterest income to average assets | 1.3423% | 608 |
| Noninterest expense to average assets | 3.0332% | 1,369 |
| Loan and lease loss provision to assets | 0.1285% | 2,742 |
| Net operating income to assets | 1.2593% | 1,453 |
| Return on assets (ROA) | 1.2757% | 1,517 |
| Pretax return on assets | 1.3286% | 1,939 |
| Return on Equity (ROE) | 14.0872% | 867 |
| Retained earnings to average equity (ytd only) | 7.4546% | 1,509 |
| Net charge-offs to loans | 0.0094% | 2,769 |
| Credit loss provision to net charge-offs | 2,687.5000% | 376 |
| Earnings coverage of net charge-offs (x) | 301.0625% | 358 |
| Efficiency ratio | 67.4130% | 2,263 |
| Assets per employee ($millions) | 4.7595% | 3,526 |
| Cash dividends to net income (ytd only)* | 47.0823% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,781 |
| Loan loss allowance to noncurrent loans | 561.2903% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 3,920 |
| Noncurrent loans to loans | 0.1747% | 3,683 |
| Net loans and leases to total assets | 53.2757% | 3,865 |
| Net loans and leases to deposits | 59.7782% | 4,067 |
| Net loans and leases to core deposits | 64.5706% | 3,980 |
| Total domestic deposits to total assets | 89.1223% | 717 |
| Equity capital to assets | 9.5157% | 3,672 |
| Core capital (leverage) ratio | 8.0528% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2630% | 872 |
| Memoranda: | ||
| Average total assets | $445,982,000 | 1,687 |
| Average earning assets | $420,651,250 | 1,669 |
| Average equity | $40,385,500 | 1,997 |
| Average total loans | $225,796,500 | 2,056 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,480 |
| Cost of funding earning assets | 0.5025% | 3,521 |
| Net interest margin | 3.4430% | 2,966 |
| Noninterest income to average assets | 1.2742% | 627 |
| Noninterest expense to average assets | 3.0657% | 1,427 |
| Loan and lease loss provision to assets | 0.1302% | 2,717 |
| Net operating income to assets | 1.2734% | 1,426 |
| Return on assets (ROA) | 1.2982% | 1,474 |
| Pretax return on assets | 1.3504% | 1,864 |
| Return on Equity (ROE) | 14.5956% | 774 |
| Retained earnings to average equity (ytd only) | 6.9585% | 1,679 |
| Net charge-offs to loans | 0.0202% | 2,321 |
| Credit loss provision to net charge-offs | 1,304.5455% | 667 |
| Earnings coverage of net charge-offs (x) | 145.7273% | 543 |
| Efficiency ratio | 67.3961% | 2,320 |
| Assets per employee ($millions) | 4.7963% | 3,418 |
| Cash dividends to net income (ytd only)* | 52.3244% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,543 |
| Loan loss allowance to noncurrent loans | 369.6734% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,796 |
| Noncurrent loans to loans | 0.2720% | 3,411 |
| Net loans and leases to total assets | 49.7864% | 4,171 |
| Net loans and leases to deposits | 55.1204% | 4,329 |
| Net loans and leases to core deposits | 59.5485% | 4,285 |
| Total domestic deposits to total assets | 90.3230% | 319 |
| Equity capital to assets | 9.1479% | 3,964 |
| Core capital (leverage) ratio | 8.0558% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6839% | 951 |
| Memoranda: | ||
| Average total assets | $440,752,667 | 1,681 |
| Average earning assets | $415,562,000 | 1,663 |
| Average equity | $39,203,667 | 2,028 |
| Average total loans | $218,264,000 | 2,097 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,320 |
| Cost of funding earning assets | 0.6067% | 3,400 |
| Net interest margin | 3.1330% | 4,029 |
| Noninterest income to average assets | 1.4747% | 413 |
| Noninterest expense to average assets | 3.2292% | 1,370 |
| Loan and lease loss provision to assets | 0.1342% | 2,052 |
| Net operating income to assets | 1.0188% | 2,118 |
| Return on assets (ROA) | 1.0242% | 2,199 |
| Pretax return on assets | 1.0739% | 2,602 |
| Return on Equity (ROE) | 11.6979% | 1,197 |
| Retained earnings to average equity (ytd only) | 1.3081% | 3,668 |
| Net charge-offs to loans | -0.5392% | 5,029 |
| Credit loss provision to net charge-offs | -50.7092% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8236% | 1,961 |
| Assets per employee ($millions) | 4.2583% | 3,584 |
| Cash dividends to net income (ytd only)* | 88.8176% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,316 |
| Loan loss allowance to noncurrent loans | 490.2985% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 3,956 |
| Noncurrent loans to loans | 0.2578% | 3,571 |
| Net loans and leases to total assets | 49.1895% | 4,281 |
| Net loans and leases to deposits | 54.1652% | 4,437 |
| Net loans and leases to core deposits | 60.3341% | 4,339 |
| Total domestic deposits to total assets | 90.8138% | 133 |
| Equity capital to assets | 8.7065% | 4,737 |
| Core capital (leverage) ratio | 8.4709% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0572% | 977 |
| Memoranda: | ||
| Average total assets | $426,109,000 | 1,687 |
| Average earning assets | $402,175,500 | 1,664 |
| Average equity | $37,306,000 | 2,105 |
| Average total loans | $209,199,500 | 2,122 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 4,747 |
| Cost of funding earning assets | 0.6403% | 3,457 |
| Net interest margin | 2.9875% | 4,530 |
| Noninterest income to average assets | 1.5497% | 389 |
| Noninterest expense to average assets | 3.0612% | 1,849 |
| Loan and lease loss provision to assets | 0.0201% | 3,618 |
| Net operating income to assets | 1.2320% | 1,937 |
| Return on assets (ROA) | 1.2609% | 1,915 |
| Pretax return on assets | 1.3263% | 2,408 |
| Return on Equity (ROE) | 13.8183% | 939 |
| Retained earnings to average equity (ytd only) | 7.7515% | 1,062 |
| Net charge-offs to loans | -0.0438% | 4,801 |
| Credit loss provision to net charge-offs | -104.4776% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8775% | 2,189 |
| Assets per employee ($millions) | 4.5780% | 3,111 |
| Cash dividends to net income (ytd only)* | 43.9035% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,275 |
| Loan loss allowance to noncurrent loans | 685.5422% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,339 |
| Noncurrent loans to loans | 0.1183% | 4,063 |
| Net loans and leases to total assets | 48.0082% | 4,428 |
| Net loans and leases to deposits | 52.8519% | 4,570 |
| Net loans and leases to core deposits | 58.4268% | 4,502 |
| Total domestic deposits to total assets | 90.8353% | 137 |
| Equity capital to assets | 8.8017% | 4,786 |
| Core capital (leverage) ratio | 8.8728% | 4,622 |
| Tier 1 risk-based capital ratio | 18.0928% | 1,738 |
| Total risk-based capital ratio | 18.9321% | 1,798 |
| Memoranda: | ||
| Average total assets | $348,651,600 | 1,913 |
| Average earning assets | $329,977,400 | 1,879 |
| Average equity | $31,813,000 | 2,311 |
| Average total loans | $152,852,400 | 2,592 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 4,824 |
| Cost of funding earning assets | 0.6581% | 3,409 |
| Net interest margin | 3.0011% | 4,622 |
| Noninterest income to average assets | 1.6162% | 356 |
| Noninterest expense to average assets | 3.0641% | 1,795 |
| Loan and lease loss provision to assets | 0.0285% | 3,336 |
| Net operating income to assets | 1.3026% | 1,852 |
| Return on assets (ROA) | 1.3146% | 1,871 |
| Pretax return on assets | 1.3823% | 2,371 |
| Return on Equity (ROE) | 14.2397% | 938 |
| Retained earnings to average equity (ytd only) | 7.8285% | 1,481 |
| Net charge-offs to loans | -0.1368% | 5,053 |
| Credit loss provision to net charge-offs | -49.2958% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6033% | 2,324 |
| Assets per employee ($millions) | 4.3388% | 3,428 |
| Cash dividends to net income (ytd only)* | 45.0232% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,487 |
| Loan loss allowance to noncurrent loans | 535.4354% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 3,558 |
| Noncurrent loans to loans | 0.2247% | 3,743 |
| Net loans and leases to total assets | 44.4113% | 4,678 |
| Net loans and leases to deposits | 51.0478% | 4,742 |
| Net loans and leases to core deposits | 58.7803% | 4,571 |
| Total domestic deposits to total assets | 86.9993% | 1,518 |
| Equity capital to assets | 11.4650% | 2,682 |
| Core capital (leverage) ratio | 10.9137% | 2,724 |
| Tier 1 risk-based capital ratio | 22.1185% | 1,053 |
| Total risk-based capital ratio | 23.2145% | 1,047 |
| Memoranda: | ||
| Average total assets | $327,087,750 | 2,007 |
| Average earning assets | $310,190,250 | 1,973 |
| Average equity | $30,196,500 | 2,395 |
| Average total loans | $138,441,000 | 2,768 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,953 |
| Cost of funding earning assets | 0.6287% | 3,512 |
| Net interest margin | 2.9483% | 4,760 |
| Noninterest income to average assets | 1.5696% | 375 |
| Noninterest expense to average assets | 2.9792% | 2,057 |
| Loan and lease loss provision to assets | 0.0368% | 3,080 |
| Net operating income to assets | 1.2939% | 1,798 |
| Return on assets (ROA) | 1.3102% | 1,800 |
| Pretax return on assets | 1.3740% | 2,292 |
| Return on Equity (ROE) | 15.4519% | 677 |
| Retained earnings to average equity (ytd only) | 8.0694% | 1,362 |
| Net charge-offs to loans | 0.3373% | 507 |
| Credit loss provision to net charge-offs | 26.3158% | 2,618 |
| Earnings coverage of net charge-offs (x) | 9.9693% | 2,303 |
| Efficiency ratio | 68.0735% | 2,522 |
| Assets per employee ($millions) | 4.5663% | 3,041 |
| Cash dividends to net income (ytd only)* | 47.7773% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,597 |
| Loan loss allowance to noncurrent loans | 189.3387% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 3,026 |
| Noncurrent loans to loans | 0.5301% | 2,685 |
| Net loans and leases to total assets | 41.5137% | 4,799 |
| Net loans and leases to deposits | 45.9402% | 4,907 |
| Net loans and leases to core deposits | 52.6368% | 4,806 |
| Total domestic deposits to total assets | 90.3647% | 221 |
| Equity capital to assets | 9.1211% | 4,719 |
| Core capital (leverage) ratio | 8.9403% | 4,682 |
| Tier 1 risk-based capital ratio | 20.9336% | 1,185 |
| Total risk-based capital ratio | 21.9342% | 1,194 |
| Memoranda: | ||
| Average total assets | $326,199,670 | 2,018 |
| Average earning assets | $310,142,670 | 1,980 |
| Average equity | $27,660,000 | 2,524 |
| Average total loans | $135,178,000 | 2,812 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 4,992 |
| Cost of funding earning assets | 0.6221% | 3,450 |
| Net interest margin | 2.9384% | 4,839 |
| Noninterest income to average assets | 1.5398% | 362 |
| Noninterest expense to average assets | 2.9383% | 2,165 |
| Loan and lease loss provision to assets | 0.0372% | 2,877 |
| Net operating income to assets | 1.3018% | 1,689 |
| Return on assets (ROA) | 1.2733% | 1,850 |
| Pretax return on assets | 1.3278% | 2,341 |
| Return on Equity (ROE) | 15.6269% | 647 |
| Retained earnings to average equity (ytd only) | 7.9428% | 1,686 |
| Net charge-offs to loans | 0.6984% | 215 |
| Credit loss provision to net charge-offs | 12.9310% | 2,170 |
| Earnings coverage of net charge-offs (x) | 4.8491% | 2,299 |
| Efficiency ratio | 67.7539% | 2,675 |
| Assets per employee ($millions) | 4.4799% | 3,223 |
| Cash dividends to net income (ytd only)* | 49.1723% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,547 |
| Loan loss allowance to noncurrent loans | 271.6270% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,199 |
| Noncurrent loans to loans | 0.3777% | 3,234 |
| Net loans and leases to total assets | 40.9447% | 4,863 |
| Net loans and leases to deposits | 44.9128% | 4,960 |
| Net loans and leases to core deposits | 49.9907% | 4,890 |
| Total domestic deposits to total assets | 91.1648% | 140 |
| Equity capital to assets | 8.4278% | 5,027 |
| Core capital (leverage) ratio | 8.8747% | 4,738 |
| Tier 1 risk-based capital ratio | 21.3501% | 1,122 |
| Total risk-based capital ratio | 22.3625% | 1,127 |
| Memoranda: | ||
| Average total assets | $322,630,500 | 2,048 |
| Average earning assets | $306,696,500 | 2,017 |
| Average equity | $26,288,000 | 2,620 |
| Average total loans | $132,875,000 | 2,873 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,909 |
| Cost of funding earning assets | 0.5323% | 3,164 |
| Net interest margin | 2.9733% | 4,828 |
| Noninterest income to average assets | 1.3414% | 507 |
| Noninterest expense to average assets | 2.7985% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3183% | 1,727 |
| Return on assets (ROA) | 1.3220% | 1,702 |
| Pretax return on assets | 1.3547% | 2,300 |
| Return on Equity (ROE) | 17.6154% | 428 |
| Retained earnings to average equity (ytd only) | 6.1959% | 2,093 |
| Net charge-offs to loans | 0.0824% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 40.4630% | 1,290 |
| Efficiency ratio | 67.3745% | 2,644 |
| Assets per employee ($millions) | 4.6102% | 3,009 |
| Cash dividends to net income (ytd only)* | 64.8269% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,636 |
| Loan loss allowance to noncurrent loans | 128.1403% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 2,292 |
| Noncurrent loans to loans | 0.9266% | 1,733 |
| Net loans and leases to total assets | 40.5140% | 4,926 |
| Net loans and leases to deposits | 44.1453% | 5,025 |
| Net loans and leases to core deposits | 49.2222% | 4,964 |
| Total domestic deposits to total assets | 91.7741% | 89 |
| Equity capital to assets | 7.8683% | 5,204 |
| Core capital (leverage) ratio | 9.0383% | 4,616 |
| Tier 1 risk-based capital ratio | 20.8723% | 1,168 |
| Total risk-based capital ratio | 22.0258% | 1,164 |
| Memoranda: | ||
| Average total assets | $323,458,800 | 2,030 |
| Average earning assets | $305,488,200 | 1,995 |
| Average equity | $24,274,200 | 2,699 |
| Average total loans | $131,058,600 | 2,865 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 4,931 |
| Cost of funding earning assets | 0.4947% | 3,233 |
| Net interest margin | 2.9989% | 4,846 |
| Noninterest income to average assets | 1.2977% | 571 |
| Noninterest expense to average assets | 2.7787% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3221% | 1,773 |
| Return on assets (ROA) | 1.3269% | 1,765 |
| Pretax return on assets | 1.3537% | 2,410 |
| Return on Equity (ROE) | 17.8979% | 437 |
| Retained earnings to average equity (ytd only) | 6.9291% | 2,162 |
| Net charge-offs to loans | 0.0612% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 54.5653% | 1,122 |
| Efficiency ratio | 67.2522% | 2,672 |
| Assets per employee ($millions) | 4.3560% | 3,349 |
| Cash dividends to net income (ytd only)* | 61.2852% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,533 |
| Loan loss allowance to noncurrent loans | 85.7521% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,404 |
| Noncurrent loans to loans | 1.4182% | 1,170 |
| Net loans and leases to total assets | 41.3553% | 4,987 |
| Net loans and leases to deposits | 48.1164% | 5,008 |
| Net loans and leases to core deposits | 53.8609% | 4,917 |
| Total domestic deposits to total assets | 85.9484% | 2,226 |
| Equity capital to assets | 7.1283% | 5,370 |
| Core capital (leverage) ratio | 8.7971% | 4,889 |
| Tier 1 risk-based capital ratio | 20.6020% | 1,233 |
| Total risk-based capital ratio | 21.7827% | 1,216 |
| Memoranda: | ||
| Average total assets | $323,645,750 | 2,035 |
| Average earning assets | $305,391,250 | 2,006 |
| Average equity | $23,994,750 | 2,738 |
| Average total loans | $130,744,750 | 2,892 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 4,982 |
| Cost of funding earning assets | 0.4505% | 3,353 |
| Net interest margin | 2.9952% | 4,883 |
| Noninterest income to average assets | 1.1685% | 704 |
| Noninterest expense to average assets | 2.7610% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2196% | 2,103 |
| Return on assets (ROA) | 1.2208% | 2,096 |
| Pretax return on assets | 1.2355% | 2,786 |
| Return on Equity (ROE) | 16.2620% | 620 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,608 |
| Net charge-offs to loans | -0.0015% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0451% | 2,483 |
| Assets per employee ($millions) | 4.5125% | 3,116 |
| Cash dividends to net income (ytd only)* | 63.7141% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,392 |
| Loan loss allowance to noncurrent loans | 197.8799% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 3,714 |
| Noncurrent loans to loans | 0.6353% | 2,523 |
| Net loans and leases to total assets | 40.6123% | 5,040 |
| Net loans and leases to deposits | 44.5766% | 5,132 |
| Net loans and leases to core deposits | 49.1348% | 5,062 |
| Total domestic deposits to total assets | 91.1067% | 227 |
| Equity capital to assets | 7.2703% | 5,425 |
| Core capital (leverage) ratio | 8.4546% | 5,139 |
| Tier 1 risk-based capital ratio | 20.8152% | 1,208 |
| Total risk-based capital ratio | 22.0652% | 1,181 |
| Memoranda: | ||
| Average total assets | $325,532,330 | 2,029 |
| Average earning assets | $307,222,000 | 2,007 |
| Average equity | $24,437,330 | 2,710 |
| Average total loans | $129,952,000 | 2,913 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4018% | 5,017 |
| Cost of funding earning assets | 0.4418% | 3,272 |
| Net interest margin | 2.9599% | 4,935 |
| Noninterest income to average assets | 1.2423% | 605 |
| Noninterest expense to average assets | 2.7964% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2546% | 1,791 |
| Return on assets (ROA) | 1.2546% | 1,803 |
| Pretax return on assets | 1.2337% | 2,624 |
| Return on Equity (ROE) | 16.4537% | 558 |
| Retained earnings to average equity (ytd only) | 6.4237% | 2,540 |
| Net charge-offs to loans | -0.0031% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3268% | 2,613 |
| Assets per employee ($millions) | 4.6077% | 2,991 |
| Cash dividends to net income (ytd only)* | 60.9589% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,265 |
| Loan loss allowance to noncurrent loans | 211.0553% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 3,120 |
| Noncurrent loans to loans | 0.6138% | 2,704 |
| Net loans and leases to total assets | 39.6857% | 5,084 |
| Net loans and leases to deposits | 42.9910% | 5,187 |
| Net loans and leases to core deposits | 47.2297% | 5,117 |
| Total domestic deposits to total assets | 92.3117% | 77 |
| Equity capital to assets | 7.2902% | 5,475 |
| Core capital (leverage) ratio | 8.3433% | 5,237 |
| Tier 1 risk-based capital ratio | 20.7656% | 1,236 |
| Total risk-based capital ratio | 22.0157% | 1,215 |
| Memoranda: | ||
| Average total assets | $325,850,000 | 2,043 |
| Average earning assets | $306,899,500 | 2,016 |
| Average equity | $24,845,500 | 2,698 |
| Average total loans | $128,114,000 | 2,959 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 4,936 |
| Cost of funding earning assets | 0.4048% | 3,203 |
| Net interest margin | 2.9975% | 4,892 |
| Noninterest income to average assets | 1.2385% | 687 |
| Noninterest expense to average assets | 2.6270% | 3,360 |
| Loan and lease loss provision to assets | 0.0290% | 3,692 |
| Net operating income to assets | 1.3324% | 1,159 |
| Return on assets (ROA) | 1.3386% | 1,169 |
| Pretax return on assets | 1.4014% | 1,980 |
| Return on Equity (ROE) | 16.1914% | 457 |
| Retained earnings to average equity (ytd only) | 5.7968% | 1,657 |
| Net charge-offs to loans | -0.0063% | 4,686 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7783% | 3,483 |
| Assets per employee ($millions) | 4.7023% | 2,861 |
| Cash dividends to net income (ytd only)* | 64.1981% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,083 |
| Loan loss allowance to noncurrent loans | 178.0488% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 3,011 |
| Noncurrent loans to loans | 0.7452% | 2,341 |
| Net loans and leases to total assets | 37.9350% | 5,225 |
| Net loans and leases to deposits | 41.3718% | 5,312 |
| Net loans and leases to core deposits | 45.3186% | 5,256 |
| Total domestic deposits to total assets | 91.6927% | 112 |
| Equity capital to assets | 7.9527% | 5,410 |
| Core capital (leverage) ratio | 8.6302% | 5,013 |
| Tier 1 risk-based capital ratio | 20.4537% | 1,234 |
| Total risk-based capital ratio | 21.7053% | 1,207 |
| Memoranda: | ||
| Average total assets | $310,698,000 | 2,114 |
| Average earning assets | $291,508,600 | 2,090 |
| Average equity | $25,686,400 | 2,630 |
| Average total loans | $126,904,000 | 2,965 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 4,925 |
| Cost of funding earning assets | 0.4015% | 3,176 |
| Net interest margin | 3.0264% | 4,860 |
| Noninterest income to average assets | 1.1770% | 741 |
| Noninterest expense to average assets | 2.6058% | 3,392 |
| Loan and lease loss provision to assets | 0.0392% | 3,325 |
| Net operating income to assets | 1.3153% | 1,287 |
| Return on assets (ROA) | 1.3207% | 1,301 |
| Pretax return on assets | 1.3778% | 2,190 |
| Return on Equity (ROE) | 15.8137% | 544 |
| Retained earnings to average equity (ytd only) | 5.0174% | 2,875 |
| Net charge-offs to loans | -0.0073% | 4,550 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7907% | 3,405 |
| Assets per employee ($millions) | 4.3973% | 3,315 |
| Cash dividends to net income (ytd only)* | 68.2717% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,153 |
| Loan loss allowance to noncurrent loans | 449.8660% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,811 |
| Noncurrent loans to loans | 0.2985% | 3,871 |
| Net loans and leases to total assets | 40.0531% | 5,196 |
| Net loans and leases to deposits | 45.3768% | 5,274 |
| Net loans and leases to core deposits | 50.2247% | 5,191 |
| Total domestic deposits to total assets | 88.2677% | 1,226 |
| Equity capital to assets | 8.6625% | 5,178 |
| Core capital (leverage) ratio | 8.3837% | 5,324 |
| Tier 1 risk-based capital ratio | 20.3683% | 1,295 |
| Total risk-based capital ratio | 21.6187% | 1,270 |
| Memoranda: | ||
| Average total assets | $306,083,000 | 2,151 |
| Average earning assets | $287,238,500 | 2,124 |
| Average equity | $25,563,750 | 2,658 |
| Average total loans | $126,993,750 | 2,985 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 4,982 |
| Cost of funding earning assets | 0.3821% | 3,269 |
| Net interest margin | 3.0096% | 4,894 |
| Noninterest income to average assets | 1.1561% | 754 |
| Noninterest expense to average assets | 2.5859% | 3,480 |
| Loan and lease loss provision to assets | 0.0393% | 3,226 |
| Net operating income to assets | 1.2953% | 1,308 |
| Return on assets (ROA) | 1.2903% | 1,346 |
| Pretax return on assets | 1.3460% | 2,225 |
| Return on Equity (ROE) | 15.6447% | 578 |
| Retained earnings to average equity (ytd only) | 3.2861% | 3,763 |
| Net charge-offs to loans | -0.0094% | 4,508 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9654% | 3,505 |
| Assets per employee ($millions) | 4.5589% | 3,018 |
| Cash dividends to net income (ytd only)* | 78.9954% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,465 |
| Loan loss allowance to noncurrent loans | 836.0406% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,127 |
| Noncurrent loans to loans | 0.1543% | 4,497 |
| Net loans and leases to total assets | 40.0692% | 5,223 |
| Net loans and leases to deposits | 43.9984% | 5,343 |
| Net loans and leases to core deposits | 48.1045% | 5,280 |
| Total domestic deposits to total assets | 91.0698% | 208 |
| Equity capital to assets | 8.4673% | 5,327 |
| Core capital (leverage) ratio | 8.2939% | 5,362 |
| Tier 1 risk-based capital ratio | 19.4788% | 1,481 |
| Total risk-based capital ratio | 20.7293% | 1,433 |
| Memoranda: | ||
| Average total assets | $305,507,670 | 2,160 |
| Average earning assets | $286,281,670 | 2,136 |
| Average equity | $25,197,000 | 2,690 |
| Average total loans | $127,670,000 | 2,978 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 4,994 |
| Cost of funding earning assets | 0.3702% | 3,306 |
| Net interest margin | 3.0001% | 4,893 |
| Noninterest income to average assets | 1.2213% | 690 |
| Noninterest expense to average assets | 2.5689% | 3,593 |
| Loan and lease loss provision to assets | 0.0399% | 3,008 |
| Net operating income to assets | 1.3753% | 1,045 |
| Return on assets (ROA) | 1.3715% | 1,093 |
| Pretax return on assets | 1.4300% | 1,766 |
| Return on Equity (ROE) | 16.8641% | 429 |
| Retained earnings to average equity (ytd only) | 1.0785% | 4,624 |
| Net charge-offs to loans | -0.0157% | 4,610 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4780% | 3,919 |
| Assets per employee ($millions) | 4.5723% | 3,054 |
| Cash dividends to net income (ytd only)* | 93.6047% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,654 |
| Loan loss allowance to noncurrent loans | 741.2844% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,138 |
| Noncurrent loans to loans | 0.1722% | 4,503 |
| Net loans and leases to total assets | 41.4236% | 5,187 |
| Net loans and leases to deposits | 45.2940% | 5,324 |
| Net loans and leases to core deposits | 48.0201% | 5,298 |
| Total domestic deposits to total assets | 91.4549% | 182 |
| Equity capital to assets | 8.1584% | 5,441 |
| Core capital (leverage) ratio | 8.5028% | 5,225 |
| Tier 1 risk-based capital ratio | 19.6970% | 1,452 |
| Total risk-based capital ratio | 20.9474% | 1,425 |
| Memoranda: | ||
| Average total assets | $300,980,000 | 2,205 |
| Average earning assets | $283,061,500 | 2,178 |
| Average equity | $24,478,000 | 2,753 |
| Average total loans | $127,660,000 | 2,996 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 5,130 |
| Cost of funding earning assets | 0.3374% | 3,665 |
| Net interest margin | 2.9855% | 4,990 |
| Noninterest income to average assets | 1.2407% | 737 |
| Noninterest expense to average assets | 2.7120% | 3,309 |
| Loan and lease loss provision to assets | 0.0204% | 3,961 |
| Net operating income to assets | 1.2877% | 1,241 |
| Return on assets (ROA) | 1.3145% | 1,240 |
| Pretax return on assets | 1.3689% | 2,043 |
| Return on Equity (ROE) | 14.6522% | 678 |
| Retained earnings to average equity (ytd only) | 2.7037% | 3,981 |
| Net charge-offs to loans | 0.1508% | 1,751 |
| Credit loss provision to net charge-offs | 32.0856% | 3,571 |
| Earnings coverage of net charge-offs (x) | 21.4011% | 1,786 |
| Efficiency ratio | 66.5024% | 3,510 |
| Assets per employee ($millions) | 4.4145% | 3,247 |
| Cash dividends to net income (ytd only)* | 81.5476% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,942 |
| Loan loss allowance to noncurrent loans | 664.7059% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 4,180 |
| Noncurrent loans to loans | 0.1849% | 4,498 |
| Net loans and leases to total assets | 42.3459% | 5,219 |
| Net loans and leases to deposits | 46.2539% | 5,358 |
| Net loans and leases to core deposits | 48.7861% | 5,341 |
| Total domestic deposits to total assets | 91.5509% | 153 |
| Equity capital to assets | 8.1070% | 5,513 |
| Core capital (leverage) ratio | 8.8117% | 4,956 |
| Tier 1 risk-based capital ratio | 19.5579% | 1,462 |
| Total risk-based capital ratio | 20.7790% | 1,430 |
| Memoranda: | ||
| Average total assets | $293,949,000 | 2,201 |
| Average earning assets | $278,915,800 | 2,162 |
| Average equity | $26,371,400 | 2,606 |
| Average total loans | $123,975,200 | 3,013 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3232% | 5,179 |
| Cost of funding earning assets | 0.3401% | 3,651 |
| Net interest margin | 2.9831% | 5,045 |
| Noninterest income to average assets | 1.2499% | 742 |
| Noninterest expense to average assets | 2.7155% | 3,313 |
| Loan and lease loss provision to assets | 0.0137% | 3,980 |
| Net operating income to assets | 1.3025% | 1,283 |
| Return on assets (ROA) | 1.3384% | 1,271 |
| Pretax return on assets | 1.3940% | 2,054 |
| Return on Equity (ROE) | 14.5580% | 728 |
| Retained earnings to average equity (ytd only) | 3.0753% | 4,071 |
| Net charge-offs to loans | 0.2747% | 842 |
| Credit loss provision to net charge-offs | 11.8577% | 3,352 |
| Earnings coverage of net charge-offs (x) | 11.8777% | 2,438 |
| Efficiency ratio | 66.3839% | 3,524 |
| Assets per employee ($millions) | 4.3191% | 3,382 |
| Cash dividends to net income (ytd only)* | 78.8756% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,402 |
| Loan loss allowance to noncurrent loans | 738.8060% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,335 |
| Noncurrent loans to loans | 0.1590% | 4,717 |
| Net loans and leases to total assets | 43.1740% | 5,246 |
| Net loans and leases to deposits | 50.4529% | 5,276 |
| Net loans and leases to core deposits | 52.1873% | 5,307 |
| Total domestic deposits to total assets | 85.5729% | 2,569 |
| Equity capital to assets | 9.5705% | 4,587 |
| Core capital (leverage) ratio | 8.6108% | 5,250 |
| Tier 1 risk-based capital ratio | 20.1332% | 1,422 |
| Total risk-based capital ratio | 21.3247% | 1,396 |
| Memoranda: | ||
| Average total assets | $292,390,000 | 2,222 |
| Average earning assets | $277,957,500 | 2,175 |
| Average equity | $26,880,250 | 2,595 |
| Average total loans | $122,794,500 | 3,029 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 5,282 |
| Cost of funding earning assets | 0.3442% | 3,629 |
| Net interest margin | 2.9607% | 5,152 |
| Noninterest income to average assets | 1.2488% | 728 |
| Noninterest expense to average assets | 2.7015% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3080% | 1,251 |
| Return on assets (ROA) | 1.3381% | 1,264 |
| Pretax return on assets | 1.3934% | 2,056 |
| Return on Equity (ROE) | 14.7546% | 712 |
| Retained earnings to average equity (ytd only) | 1.5484% | 4,759 |
| Net charge-offs to loans | 0.4244% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.7442% | 2,598 |
| Efficiency ratio | 66.4150% | 3,611 |
| Assets per employee ($millions) | 4.2549% | 3,459 |
| Cash dividends to net income (ytd only)* | 89.5059% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,543 |
| Loan loss allowance to noncurrent loans | 721.3930% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,401 |
| Noncurrent loans to loans | 0.1617% | 4,796 |
| Net loans and leases to total assets | 42.4539% | 5,317 |
| Net loans and leases to deposits | 47.7882% | 5,426 |
| Net loans and leases to core deposits | 49.9285% | 5,436 |
| Total domestic deposits to total assets | 88.8377% | 993 |
| Equity capital to assets | 9.7097% | 4,551 |
| Core capital (leverage) ratio | 8.3884% | 5,456 |
| Tier 1 risk-based capital ratio | 16.8242% | 2,292 |
| Total risk-based capital ratio | 17.8143% | 2,349 |
| Memoranda: | ||
| Average total assets | $293,393,330 | 2,221 |
| Average earning assets | $278,923,000 | 2,177 |
| Average equity | $26,608,670 | 2,625 |
| Average total loans | $121,585,330 | 3,052 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2590% | 5,401 |
| Cost of funding earning assets | 0.3504% | 3,592 |
| Net interest margin | 2.9086% | 5,309 |
| Noninterest income to average assets | 1.2795% | 668 |
| Noninterest expense to average assets | 2.7053% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2856% | 1,289 |
| Return on assets (ROA) | 1.3025% | 1,331 |
| Pretax return on assets | 1.3567% | 2,064 |
| Return on Equity (ROE) | 14.8764% | 695 |
| Retained earnings to average equity (ytd only) | -3.6650% | 5,526 |
| Net charge-offs to loans | 0.1297% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.3590% | 1,297 |
| Efficiency ratio | 66.8899% | 3,649 |
| Assets per employee ($millions) | 4.4012% | 3,250 |
| Cash dividends to net income (ytd only)* | 124.6362% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,455 |
| Loan loss allowance to noncurrent loans | 240.8369% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 3,710 |
| Noncurrent loans to loans | 0.5785% | 3,459 |
| Net loans and leases to total assets | 40.6635% | 5,422 |
| Net loans and leases to deposits | 44.9811% | 5,558 |
| Net loans and leases to core deposits | 46.9499% | 5,552 |
| Total domestic deposits to total assets | 90.4013% | 465 |
| Equity capital to assets | 8.9859% | 5,181 |
| Core capital (leverage) ratio | 8.2555% | 5,606 |
| Tier 1 risk-based capital ratio | 17.8096% | 2,036 |
| Total risk-based capital ratio | 19.0345% | 2,007 |
| Memoranda: | ||
| Average total assets | $295,425,000 | 2,213 |
| Average earning assets | $280,821,500 | 2,174 |
| Average equity | $25,866,500 | 2,674 |
| Average total loans | $120,237,000 | 3,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 5,192 |
| Cost of funding earning assets | 0.3677% | 3,507 |
| Net interest margin | 3.0175% | 5,097 |
| Noninterest income to average assets | 1.2279% | 792 |
| Noninterest expense to average assets | 2.6881% | 3,621 |
| Loan and lease loss provision to assets | 0.0246% | 3,893 |
| Net operating income to assets | 1.3209% | 1,219 |
| Return on assets (ROA) | 1.3215% | 1,263 |
| Pretax return on assets | 1.3775% | 1,987 |
| Return on Equity (ROE) | 15.1845% | 658 |
| Retained earnings to average equity (ytd only) | 8.1057% | 877 |
| Net charge-offs to loans | -0.0409% | 5,498 |
| Credit loss provision to net charge-offs | -145.8333% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7317% | 3,946 |
| Assets per employee ($millions) | 4.5511% | 2,961 |
| Cash dividends to net income (ytd only)* | 46.6187% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 2,352 |
| Loan loss allowance to noncurrent loans | 195.2000% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 3,683 |
| Noncurrent loans to loans | 0.7250% | 3,009 |
| Net loans and leases to total assets | 39.6104% | 5,539 |
| Net loans and leases to deposits | 43.4754% | 5,666 |
| Net loans and leases to core deposits | 45.1826% | 5,677 |
| Total domestic deposits to total assets | 91.1101% | 257 |
| Equity capital to assets | 8.5331% | 5,537 |
| Core capital (leverage) ratio | 8.8143% | 5,097 |
| Tier 1 risk-based capital ratio | 18.9470% | 1,714 |
| Total risk-based capital ratio | 20.1975% | 1,676 |
| Memoranda: | ||
| Average total assets | $284,216,000 | 2,238 |
| Average earning assets | $269,531,200 | 2,206 |
| Average equity | $24,735,800 | 2,717 |
| Average total loans | $117,462,200 | 3,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 5,117 |
| Cost of funding earning assets | 0.3796% | 3,444 |
| Net interest margin | 3.0603% | 5,051 |
| Noninterest income to average assets | 1.2663% | 753 |
| Noninterest expense to average assets | 2.7087% | 3,531 |
| Loan and lease loss provision to assets | 0.0333% | 3,560 |
| Net operating income to assets | 1.3671% | 1,191 |
| Return on assets (ROA) | 1.3658% | 1,243 |
| Pretax return on assets | 1.4234% | 1,921 |
| Return on Equity (ROE) | 15.6110% | 649 |
| Retained earnings to average equity (ytd only) | 8.3875% | 1,090 |
| Net charge-offs to loans | -0.0263% | 5,298 |
| Credit loss provision to net charge-offs | -304.3478% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0069% | 4,064 |
| Assets per employee ($millions) | 4.1266% | 3,665 |
| Cash dividends to net income (ytd only)* | 46.2717% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,511 |
| Loan loss allowance to noncurrent loans | 202.2837% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,773 |
| Noncurrent loans to loans | 0.7012% | 3,226 |
| Net loans and leases to total assets | 42.3087% | 5,471 |
| Net loans and leases to deposits | 49.0877% | 5,507 |
| Net loans and leases to core deposits | 51.3111% | 5,532 |
| Total domestic deposits to total assets | 86.1901% | 2,446 |
| Equity capital to assets | 9.1290% | 5,187 |
| Core capital (leverage) ratio | 9.0521% | 4,932 |
| Tier 1 risk-based capital ratio | 19.7170% | 1,617 |
| Total risk-based capital ratio | 20.9677% | 1,583 |
| Memoranda: | ||
| Average total assets | $280,176,750 | 2,280 |
| Average earning assets | $265,540,250 | 2,247 |
| Average equity | $24,512,000 | 2,755 |
| Average total loans | $116,656,000 | 3,126 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,135 |
| Cost of funding earning assets | 0.3863% | 3,414 |
| Net interest margin | 3.0534% | 5,082 |
| Noninterest income to average assets | 1.2665% | 763 |
| Noninterest expense to average assets | 2.6353% | 3,792 |
| Loan and lease loss provision to assets | 0.0426% | 3,255 |
| Net operating income to assets | 1.4228% | 1,049 |
| Return on assets (ROA) | 1.4207% | 1,086 |
| Pretax return on assets | 1.4797% | 1,704 |
| Return on Equity (ROE) | 16.4735% | 551 |
| Retained earnings to average equity (ytd only) | 8.9084% | 952 |
| Net charge-offs to loans | -0.1362% | 5,900 |
| Credit loss provision to net charge-offs | -75.9494% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3521% | 4,456 |
| Assets per employee ($millions) | 4.0727% | 3,738 |
| Cash dividends to net income (ytd only)* | 45.9230% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,497 |
| Loan loss allowance to noncurrent loans | 359.4595% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 4,354 |
| Noncurrent loans to loans | 0.4042% | 4,270 |
| Net loans and leases to total assets | 42.3495% | 5,481 |
| Net loans and leases to deposits | 46.5412% | 5,649 |
| Net loans and leases to core deposits | 48.7254% | 5,663 |
| Total domestic deposits to total assets | 90.9934% | 292 |
| Equity capital to assets | 8.5657% | 5,625 |
| Core capital (leverage) ratio | 8.4655% | 5,564 |
| Tier 1 risk-based capital ratio | 17.8988% | 2,096 |
| Total risk-based capital ratio | 19.1495% | 2,053 |
| Memoranda: | ||
| Average total assets | $281,408,330 | 2,292 |
| Average earning assets | $266,650,330 | 2,259 |
| Average equity | $24,269,330 | 2,777 |
| Average total loans | $115,988,330 | 3,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 5,244 |
| Cost of funding earning assets | 0.3901% | 3,413 |
| Net interest margin | 2.9919% | 5,239 |
| Noninterest income to average assets | 1.2001% | 788 |
| Noninterest expense to average assets | 2.6258% | 3,841 |
| Loan and lease loss provision to assets | 0.0423% | 3,065 |
| Net operating income to assets | 1.3030% | 1,265 |
| Return on assets (ROA) | 1.3016% | 1,356 |
| Pretax return on assets | 1.3538% | 2,056 |
| Return on Equity (ROE) | 15.0430% | 702 |
| Retained earnings to average equity (ytd only) | 4.9872% | 3,061 |
| Net charge-offs to loans | 0.0734% | 1,979 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 47.1905% | 874 |
| Efficiency ratio | 65.2646% | 4,275 |
| Assets per employee ($millions) | 4.1987% | 3,566 |
| Cash dividends to net income (ytd only)* | 66.8472% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 2,972 |
| Loan loss allowance to noncurrent loans | 1,031.6129% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 4,788 |
| Noncurrent loans to loans | 0.1345% | 5,296 |
| Net loans and leases to total assets | 40.3953% | 5,574 |
| Net loans and leases to deposits | 44.4786% | 5,738 |
| Net loans and leases to core deposits | 46.5735% | 5,724 |
| Total domestic deposits to total assets | 90.8195% | 429 |
| Equity capital to assets | 8.7962% | 5,503 |
| Core capital (leverage) ratio | 8.1796% | 5,822 |
| Tier 1 risk-based capital ratio | 18.1797% | 2,085 |
| Total risk-based capital ratio | 18.8104% | 2,241 |
| Memoranda: | ||
| Average total assets | $283,642,000 | 2,295 |
| Average earning assets | $267,656,500 | 2,265 |
| Average equity | $24,543,000 | 2,783 |
| Average total loans | $114,476,500 | 3,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 5,267 |
| Cost of funding earning assets | 0.4597% | 3,076 |
| Net interest margin | 3.0637% | 5,290 |
| Noninterest income to average assets | 1.2896% | 733 |
| Noninterest expense to average assets | 2.7184% | 3,800 |
| Loan and lease loss provision to assets | 0.1169% | 2,221 |
| Net operating income to assets | 1.2980% | 1,310 |
| Return on assets (ROA) | 1.3186% | 1,309 |
| Pretax return on assets | 1.3733% | 1,989 |
| Return on Equity (ROE) | 16.2816% | 586 |
| Retained earnings to average equity (ytd only) | 8.4225% | 859 |
| Net charge-offs to loans | 0.3748% | 1,150 |
| Credit loss provision to net charge-offs | 72.4299% | 3,013 |
| Earnings coverage of net charge-offs (x) | 9.1005% | 2,794 |
| Efficiency ratio | 64.9226% | 4,416 |
| Assets per employee ($millions) | 4.4683% | 3,085 |
| Cash dividends to net income (ytd only)* | 48.2699% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,959 |
| Loan loss allowance to noncurrent loans | 1,282.2581% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,914 |
| Noncurrent loans to loans | 0.1090% | 5,462 |
| Net loans and leases to total assets | 39.2091% | 5,789 |
| Net loans and leases to deposits | 43.0089% | 5,926 |
| Net loans and leases to core deposits | 44.8527% | 5,932 |
| Total domestic deposits to total assets | 91.1651% | 314 |
| Equity capital to assets | 8.5118% | 5,745 |
| Core capital (leverage) ratio | 8.7621% | 5,279 |
| Tier 1 risk-based capital ratio | 21.1889% | 1,360 |
| Total risk-based capital ratio | 22.4423% | 1,336 |
| Memoranda: | ||
| Average total assets | $265,197,400 | 2,387 |
| Average earning assets | $250,810,600 | 2,343 |
| Average equity | $21,478,200 | 3,005 |
| Average total loans | $114,183,800 | 3,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 5,197 |
| Cost of funding earning assets | 0.4818% | 2,940 |
| Net interest margin | 3.0970% | 5,267 |
| Noninterest income to average assets | 1.3205% | 699 |
| Noninterest expense to average assets | 2.7404% | 3,670 |
| Loan and lease loss provision to assets | 0.1179% | 2,096 |
| Net operating income to assets | 1.3381% | 1,271 |
| Return on assets (ROA) | 1.3564% | 1,284 |
| Pretax return on assets | 1.4117% | 1,962 |
| Return on Equity (ROE) | 16.9853% | 548 |
| Retained earnings to average equity (ytd only) | 8.3867% | 1,194 |
| Net charge-offs to loans | 0.6194% | 583 |
| Credit loss provision to net charge-offs | 43.3145% | 3,231 |
| Earnings coverage of net charge-offs (x) | 5.5480% | 3,238 |
| Efficiency ratio | 64.4632% | 4,471 |
| Assets per employee ($millions) | 4.2118% | 3,457 |
| Cash dividends to net income (ytd only)* | 50.6238% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,089 |
| Loan loss allowance to noncurrent loans | 654.4186% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,068 |
| Noncurrent loans to loans | 0.1876% | 5,347 |
| Net loans and leases to total assets | 42.0035% | 5,670 |
| Net loans and leases to deposits | 49.8080% | 5,664 |
| Net loans and leases to core deposits | 52.2196% | 5,673 |
| Total domestic deposits to total assets | 84.3308% | 3,629 |
| Equity capital to assets | 8.2763% | 5,962 |
| Core capital (leverage) ratio | 8.0790% | 6,014 |
| Tier 1 risk-based capital ratio | 19.8425% | 1,709 |
| Total risk-based capital ratio | 21.0932% | 1,679 |
| Memoranda: | ||
| Average total assets | $260,004,500 | 2,449 |
| Average earning assets | $246,037,500 | 2,392 |
| Average equity | $20,762,500 | 3,086 |
| Average total loans | $114,300,750 | 3,161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 5,243 |
| Cost of funding earning assets | 0.4929% | 2,903 |
| Net interest margin | 3.0748% | 5,336 |
| Noninterest income to average assets | 1.3200% | 687 |
| Noninterest expense to average assets | 2.6890% | 3,909 |
| Loan and lease loss provision to assets | 0.0467% | 3,372 |
| Net operating income to assets | 1.4413% | 980 |
| Return on assets (ROA) | 1.4360% | 1,027 |
| Pretax return on assets | 1.4936% | 1,556 |
| Return on Equity (ROE) | 18.2150% | 441 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,387 |
| Net charge-offs to loans | 0.0420% | 3,389 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 82.7083% | 640 |
| Efficiency ratio | 63.4976% | 4,769 |
| Assets per employee ($millions) | 4.0783% | 3,687 |
| Cash dividends to net income (ytd only)* | 57.0499% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,667 |
| Loan loss allowance to noncurrent loans | 97.7031% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 3,973 |
| Noncurrent loans to loans | 1.5857% | 2,194 |
| Net loans and leases to total assets | 41.8055% | 5,689 |
| Net loans and leases to deposits | 45.8293% | 5,891 |
| Net loans and leases to core deposits | 47.7543% | 5,910 |
| Total domestic deposits to total assets | 91.2200% | 335 |
| Equity capital to assets | 8.1674% | 6,050 |
| Core capital (leverage) ratio | 8.1889% | 5,941 |
| Tier 1 risk-based capital ratio | 20.0581% | 1,671 |
| Total risk-based capital ratio | 21.3134% | 1,644 |
| Memoranda: | ||
| Average total assets | $256,821,330 | 2,485 |
| Average earning assets | $243,463,000 | 2,407 |
| Average equity | $20,247,000 | 3,146 |
| Average total loans | $114,191,330 | 3,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 5,188 |
| Cost of funding earning assets | 0.5065% | 2,835 |
| Net interest margin | 3.0862% | 5,297 |
| Noninterest income to average assets | 1.2965% | 666 |
| Noninterest expense to average assets | 2.6388% | 4,153 |
| Loan and lease loss provision to assets | 0.0475% | 3,143 |
| Net operating income to assets | 1.4690% | 864 |
| Return on assets (ROA) | 1.4690% | 891 |
| Pretax return on assets | 1.5228% | 1,362 |
| Return on Equity (ROE) | 18.9921% | 363 |
| Retained earnings to average equity (ytd only) | 7.3676% | 1,871 |
| Net charge-offs to loans | -0.0035% | 4,761 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6927% | 5,036 |
| Assets per employee ($millions) | 3.8787% | 4,175 |
| Cash dividends to net income (ytd only)* | 61.2069% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,038 |
| Loan loss allowance to noncurrent loans | 181.2500% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 5,018 |
| Noncurrent loans to loans | 0.8417% | 3,783 |
| Net loans and leases to total assets | 44.5506% | 5,458 |
| Net loans and leases to deposits | 48.7921% | 5,686 |
| Net loans and leases to core deposits | 51.1531% | 5,679 |
| Total domestic deposits to total assets | 91.3068% | 446 |
| Equity capital to assets | 8.0585% | 6,013 |
| Core capital (leverage) ratio | 8.2788% | 5,865 |
| Tier 1 risk-based capital ratio | 20.1166% | 1,693 |
| Total risk-based capital ratio | 21.3729% | 1,658 |
| Memoranda: | ||
| Average total assets | $252,686,000 | 2,531 |
| Average earning assets | $238,481,500 | 2,462 |
| Average equity | $19,545,000 | 3,221 |
| Average total loans | $115,003,500 | 3,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,860 |
| Cost of funding earning assets | 0.5606% | 3,017 |
| Net interest margin | 3.2271% | 4,906 |
| Noninterest income to average assets | 1.2711% | 856 |
| Noninterest expense to average assets | 2.7525% | 3,900 |
| Loan and lease loss provision to assets | 0.1878% | 1,965 |
| Net operating income to assets | 1.3134% | 1,218 |
| Return on assets (ROA) | 1.3170% | 1,245 |
| Pretax return on assets | 1.3742% | 1,884 |
| Return on Equity (ROE) | 15.6984% | 659 |
| Retained earnings to average equity (ytd only) | 9.5335% | 660 |
| Net charge-offs to loans | 0.0256% | 4,913 |
| Credit loss provision to net charge-offs | 1,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 124.4333% | 377 |
| Efficiency ratio | 63.8520% | 4,925 |
| Assets per employee ($millions) | 3.9571% | 3,952 |
| Cash dividends to net income (ytd only)* | 39.2710% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,321 |
| Loan loss allowance to noncurrent loans | 185.0488% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 5,161 |
| Noncurrent loans to loans | 0.7961% | 3,990 |
| Net loans and leases to total assets | 45.1085% | 5,574 |
| Net loans and leases to deposits | 48.9962% | 5,833 |
| Net loans and leases to core deposits | 50.6419% | 5,894 |
| Total domestic deposits to total assets | 92.0653% | 272 |
| Equity capital to assets | 7.4127% | 6,324 |
| Core capital (leverage) ratio | 8.6045% | 5,538 |
| Tier 1 risk-based capital ratio | 19.1066% | 1,884 |
| Total risk-based capital ratio | 20.3612% | 1,846 |
| Memoranda: | ||
| Average total assets | $239,563,600 | 2,620 |
| Average earning assets | $225,648,600 | 2,560 |
| Average equity | $20,097,600 | 3,144 |
| Average total loans | $117,197,400 | 3,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,674 |
| Cost of funding earning assets | 0.5746% | 3,050 |
| Net interest margin | 3.2730% | 4,740 |
| Noninterest income to average assets | 1.2862% | 892 |
| Noninterest expense to average assets | 2.7254% | 3,921 |
| Loan and lease loss provision to assets | 0.2117% | 1,724 |
| Net operating income to assets | 1.3772% | 1,156 |
| Return on assets (ROA) | 1.3782% | 1,195 |
| Pretax return on assets | 1.4375% | 1,806 |
| Return on Equity (ROE) | 15.9314% | 655 |
| Retained earnings to average equity (ytd only) | 9.8682% | 820 |
| Net charge-offs to loans | 0.0363% | 4,419 |
| Credit loss provision to net charge-offs | 1,171.8750% | 267 |
| Earnings coverage of net charge-offs (x) | 91.2093% | 532 |
| Efficiency ratio | 62.3160% | 5,093 |
| Assets per employee ($millions) | 3.5662% | 4,721 |
| Cash dividends to net income (ytd only)* | 38.0583% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,035 |
| Loan loss allowance to noncurrent loans | 117.0014% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 4,633 |
| Noncurrent loans to loans | 1.1693% | 3,484 |
| Net loans and leases to total assets | 50.7263% | 5,043 |
| Net loans and leases to deposits | 56.9554% | 5,284 |
| Net loans and leases to core deposits | 58.3242% | 5,426 |
| Total domestic deposits to total assets | 89.0631% | 1,523 |
| Equity capital to assets | 8.1988% | 6,004 |
| Core capital (leverage) ratio | 8.5380% | 5,737 |
| Tier 1 risk-based capital ratio | 19.3104% | 1,904 |
| Total risk-based capital ratio | 20.5598% | 1,871 |
| Memoranda: | ||
| Average total assets | $236,141,000 | 2,673 |
| Average earning assets | $222,747,000 | 2,603 |
| Average equity | $20,428,750 | 3,144 |
| Average total loans | $117,510,000 | 3,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,711 |
| Cost of funding earning assets | 0.5797% | 3,132 |
| Net interest margin | 3.2555% | 4,752 |
| Noninterest income to average assets | 1.2475% | 1,000 |
| Noninterest expense to average assets | 2.7249% | 3,944 |
| Loan and lease loss provision to assets | 0.1684% | 2,230 |
| Net operating income to assets | 1.3639% | 1,159 |
| Return on assets (ROA) | 1.3679% | 1,229 |
| Pretax return on assets | 1.4268% | 1,846 |
| Return on Equity (ROE) | 15.5478% | 727 |
| Retained earnings to average equity (ytd only) | 9.0321% | 1,108 |
| Net charge-offs to loans | -0.0068% | 5,695 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1363% | 5,001 |
| Assets per employee ($millions) | 3.5728% | 4,698 |
| Cash dividends to net income (ytd only)* | 41.9077% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,646 |
| Loan loss allowance to noncurrent loans | 100.0671% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 4,651 |
| Noncurrent loans to loans | 1.2694% | 3,431 |
| Net loans and leases to total assets | 49.1790% | 5,201 |
| Net loans and leases to deposits | 54.1320% | 5,510 |
| Net loans and leases to core deposits | 55.6581% | 5,624 |
| Total domestic deposits to total assets | 90.8502% | 601 |
| Equity capital to assets | 8.2648% | 6,003 |
| Core capital (leverage) ratio | 8.1135% | 6,093 |
| Tier 1 risk-based capital ratio | 18.3668% | 2,188 |
| Total risk-based capital ratio | 19.6183% | 2,150 |
| Memoranda: | ||
| Average total assets | $237,587,000 | 2,669 |
| Average earning assets | $223,926,670 | 2,602 |
| Average equity | $20,903,330 | 3,100 |
| Average total loans | $116,941,330 | 3,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,812 |
| Cost of funding earning assets | 0.5825% | 3,274 |
| Net interest margin | 3.2222% | 4,839 |
| Noninterest income to average assets | 1.1909% | 1,061 |
| Noninterest expense to average assets | 2.7541% | 3,855 |
| Loan and lease loss provision to assets | 0.2097% | 1,770 |
| Net operating income to assets | 1.2098% | 1,503 |
| Return on assets (ROA) | 1.2211% | 1,579 |
| Pretax return on assets | 1.2731% | 2,322 |
| Return on Equity (ROE) | 13.4749% | 1,060 |
| Retained earnings to average equity (ytd only) | 5.4048% | 3,002 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1846% | 4,798 |
| Assets per employee ($millions) | 3.5185% | 4,945 |
| Cash dividends to net income (ytd only)* | 59.8901% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,106 |
| Loan loss allowance to noncurrent loans | 93.8247% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 4,759 |
| Noncurrent loans to loans | 1.2973% | 3,615 |
| Net loans and leases to total assets | 48.6436% | 5,160 |
| Net loans and leases to deposits | 54.1531% | 5,423 |
| Net loans and leases to core deposits | 55.8058% | 5,537 |
| Total domestic deposits to total assets | 89.8260% | 1,149 |
| Equity capital to assets | 9.1160% | 5,351 |
| Core capital (leverage) ratio | 7.9857% | 6,157 |
| Tier 1 risk-based capital ratio | 17.9249% | 2,399 |
| Total risk-based capital ratio | 19.1764% | 2,359 |
| Memoranda: | ||
| Average total assets | $238,476,500 | 2,689 |
| Average earning assets | $224,565,500 | 2,617 |
| Average equity | $21,610,500 | 3,070 |
| Average total loans | $116,682,000 | 3,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 4,622 |
| Cost of funding earning assets | 0.6685% | 3,756 |
| Net interest margin | 3.5238% | 4,402 |
| Noninterest income to average assets | 1.2222% | 1,045 |
| Noninterest expense to average assets | 2.9401% | 3,504 |
| Loan and lease loss provision to assets | 0.3981% | 1,634 |
| Net operating income to assets | 1.1600% | 1,736 |
| Return on assets (ROA) | 1.1794% | 1,832 |
| Pretax return on assets | 1.2292% | 2,685 |
| Return on Equity (ROE) | 12.7364% | 1,303 |
| Retained earnings to average equity (ytd only) | 4.5258% | 3,040 |
| Net charge-offs to loans | 0.7574% | 1,547 |
| Credit loss provision to net charge-offs | 104.2383% | 2,866 |
| Earnings coverage of net charge-offs (x) | 4.2085% | 3,443 |
| Efficiency ratio | 64.6561% | 4,766 |
| Assets per employee ($millions) | 3.6548% | 4,664 |
| Cash dividends to net income (ytd only)* | 64.4659% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,561 |
| Loan loss allowance to noncurrent loans | 88.7664% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 4,880 |
| Noncurrent loans to loans | 1.2372% | 3,777 |
| Net loans and leases to total assets | 48.0863% | 5,408 |
| Net loans and leases to deposits | 53.3199% | 5,715 |
| Net loans and leases to core deposits | 54.2346% | 5,853 |
| Total domestic deposits to total assets | 90.1846% | 856 |
| Equity capital to assets | 9.0090% | 5,512 |
| Core capital (leverage) ratio | 8.0741% | 6,117 |
| Tier 1 risk-based capital ratio | 17.7659% | 2,358 |
| Total risk-based capital ratio | 19.0039% | 2,320 |
| Memoranda: | ||
| Average total assets | $228,600,400 | 2,745 |
| Average earning assets | $215,706,000 | 2,666 |
| Average equity | $21,167,600 | 3,077 |
| Average total loans | $115,267,000 | 3,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 4,540 |
| Cost of funding earning assets | 0.6874% | 3,885 |
| Net interest margin | 3.5900% | 4,274 |
| Noninterest income to average assets | 1.1396% | 1,171 |
| Noninterest expense to average assets | 2.8316% | 3,866 |
| Loan and lease loss provision to assets | 0.1331% | 3,880 |
| Net operating income to assets | 1.5030% | 1,014 |
| Return on assets (ROA) | 1.5229% | 1,089 |
| Pretax return on assets | 1.5867% | 1,614 |
| Return on Equity (ROE) | 16.3280% | 692 |
| Retained earnings to average equity (ytd only) | 6.4298% | 2,413 |
| Net charge-offs to loans | -0.0128% | 6,409 |
| Credit loss provision to net charge-offs | -2,045.4545% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4984% | 5,071 |
| Assets per employee ($millions) | 3.5291% | 4,908 |
| Cash dividends to net income (ytd only)* | 60.6213% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,936 |
| Loan loss allowance to noncurrent loans | 506.1224% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 6,292 |
| Noncurrent loans to loans | 0.2514% | 5,984 |
| Net loans and leases to total assets | 50.3396% | 5,272 |
| Net loans and leases to deposits | 58.8172% | 5,337 |
| Net loans and leases to core deposits | 60.0136% | 5,559 |
| Total domestic deposits to total assets | 85.5866% | 3,467 |
| Equity capital to assets | 9.5946% | 5,071 |
| Core capital (leverage) ratio | 8.1155% | 6,218 |
| Tier 1 risk-based capital ratio | 17.8129% | 2,421 |
| Total risk-based capital ratio | 19.0648% | 2,387 |
| Memoranda: | ||
| Average total assets | $225,447,000 | 2,800 |
| Average earning assets | $212,957,500 | 2,720 |
| Average equity | $21,026,750 | 3,115 |
| Average total loans | $114,764,000 | 3,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 4,547 |
| Cost of funding earning assets | 0.6891% | 4,101 |
| Net interest margin | 3.6169% | 4,191 |
| Noninterest income to average assets | 1.0601% | 1,285 |
| Noninterest expense to average assets | 2.7618% | 4,170 |
| Loan and lease loss provision to assets | 0.1338% | 3,855 |
| Net operating income to assets | 1.5296% | 947 |
| Return on assets (ROA) | 1.5553% | 1,008 |
| Pretax return on assets | 1.6196% | 1,491 |
| Return on Equity (ROE) | 16.8411% | 660 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,938 |
| Net charge-offs to loans | 0.0035% | 5,464 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 967.5000% | 35 |
| Efficiency ratio | 61.5308% | 5,323 |
| Assets per employee ($millions) | 3.4419% | 5,106 |
| Cash dividends to net income (ytd only)* | 66.8388% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,336 |
| Loan loss allowance to noncurrent loans | 349.7500% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 6,361 |
| Noncurrent loans to loans | 0.3441% | 5,860 |
| Net loans and leases to total assets | 49.8014% | 5,379 |
| Net loans and leases to deposits | 56.5658% | 5,592 |
| Net loans and leases to core deposits | 58.1570% | 5,762 |
| Total domestic deposits to total assets | 88.0415% | 2,112 |
| Equity capital to assets | 9.1728% | 5,494 |
| Core capital (leverage) ratio | 8.0181% | 6,256 |
| Tier 1 risk-based capital ratio | 17.3758% | 2,517 |
| Total risk-based capital ratio | 18.6273% | 2,483 |
| Memoranda: | ||
| Average total assets | $224,132,670 | 2,824 |
| Average earning assets | $212,448,670 | 2,729 |
| Average equity | $20,699,330 | 3,137 |
| Average total loans | $114,031,330 | 3,249 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 4,468 |
| Cost of funding earning assets | 0.6940% | 4,334 |
| Net interest margin | 3.6683% | 3,970 |
| Noninterest income to average assets | 1.1933% | 1,005 |
| Noninterest expense to average assets | 2.8303% | 3,899 |
| Loan and lease loss provision to assets | 0.1358% | 3,649 |
| Net operating income to assets | 1.6460% | 802 |
| Return on assets (ROA) | 1.6460% | 893 |
| Pretax return on assets | 1.7112% | 1,275 |
| Return on Equity (ROE) | 17.7604% | 573 |
| Retained earnings to average equity (ytd only) | 13.0321% | 677 |
| Net charge-offs to loans | 0.0531% | 3,969 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 498 |
| Efficiency ratio | 60.5110% | 5,541 |
| Assets per employee ($millions) | 3.2156% | 5,730 |
| Cash dividends to net income (ytd only)* | 26.6227% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,693 |
| Loan loss allowance to noncurrent loans | 365.1811% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 5,664 |
| Noncurrent loans to loans | 0.3163% | 6,046 |
| Net loans and leases to total assets | 51.3075% | 5,105 |
| Net loans and leases to deposits | 57.4981% | 5,436 |
| Net loans and leases to core deposits | 59.2675% | 5,603 |
| Total domestic deposits to total assets | 89.2334% | 1,529 |
| Equity capital to assets | 9.5524% | 4,723 |
| Core capital (leverage) ratio | 8.3899% | 5,757 |
| Tier 1 risk-based capital ratio | 18.1979% | 2,222 |
| Total risk-based capital ratio | 19.4583% | 2,195 |
| Memoranda: | ||
| Average total assets | $220,896,000 | 2,884 |
| Average earning assets | $209,799,000 | 2,779 |
| Average equity | $20,472,500 | 3,165 |
| Average total loans | $112,925,000 | 3,302 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 4,618 |
| Cost of funding earning assets | 0.8291% | 4,634 |
| Net interest margin | 3.7846% | 3,904 |
| Noninterest income to average assets | 1.1984% | 923 |
| Noninterest expense to average assets | 3.1279% | 3,103 |
| Loan and lease loss provision to assets | 0.0719% | 5,717 |
| Net operating income to assets | 1.5184% | 792 |
| Return on assets (ROA) | 1.6196% | 695 |
| Pretax return on assets | 1.6866% | 1,014 |
| Return on Equity (ROE) | 19.1804% | 302 |
| Retained earnings to average equity (ytd only) | 14.4080% | 155 |
| Net charge-offs to loans | 0.0495% | 5,818 |
| Credit loss provision to net charge-offs | 272.7273% | 877 |
| Earnings coverage of net charge-offs (x) | 62.7273% | 468 |
| Efficiency ratio | 65.4239% | 4,880 |
| Assets per employee ($millions) | 3.3808% | 5,295 |
| Cash dividends to net income (ytd only)* | 24.8817% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,769 |
| Loan loss allowance to noncurrent loans | 454.9091% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 6,041 |
| Noncurrent loans to loans | 0.2448% | 6,245 |
| Net loans and leases to total assets | 49.7907% | 5,614 |
| Net loans and leases to deposits | 55.3772% | 5,944 |
| Net loans and leases to core deposits | 56.8580% | 6,091 |
| Total domestic deposits to total assets | 89.9119% | 1,036 |
| Equity capital to assets | 8.9892% | 5,562 |
| Core capital (leverage) ratio | 8.1900% | 6,021 |
| Tier 1 risk-based capital ratio | 16.8903% | 2,653 |
| Total risk-based capital ratio | 18.1284% | 2,619 |
| Memoranda: | ||
| Average total assets | $208,699,600 | 2,960 |
| Average earning assets | $197,563,000 | 2,885 |
| Average equity | $17,622,200 | 3,488 |
| Average total loans | $111,069,000 | 3,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 4,508 |
| Cost of funding earning assets | 0.8857% | 4,505 |
| Net interest margin | 3.8038% | 3,862 |
| Noninterest income to average assets | 1.2001% | 919 |
| Noninterest expense to average assets | 3.1523% | 2,985 |
| Loan and lease loss provision to assets | 0.0728% | 5,545 |
| Net operating income to assets | 1.5125% | 907 |
| Return on assets (ROA) | 1.5375% | 940 |
| Pretax return on assets | 1.5999% | 1,387 |
| Return on Equity (ROE) | 18.5341% | 414 |
| Retained earnings to average equity (ytd only) | 12.6722% | 414 |
| Net charge-offs to loans | -0.0048% | 6,711 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6868% | 4,776 |
| Assets per employee ($millions) | 3.1237% | 5,852 |
| Cash dividends to net income (ytd only)* | 31.6280% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,702 |
| Loan loss allowance to noncurrent loans | 683.8710% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 6,188 |
| Noncurrent loans to loans | 0.1675% | 6,530 |
| Net loans and leases to total assets | 52.4557% | 5,392 |
| Net loans and leases to deposits | 59.8163% | 5,653 |
| Net loans and leases to core deposits | 61.5674% | 5,855 |
| Total domestic deposits to total assets | 87.6948% | 2,239 |
| Equity capital to assets | 9.0284% | 5,724 |
| Core capital (leverage) ratio | 7.8054% | 6,559 |
| Tier 1 risk-based capital ratio | 16.3777% | 2,923 |
| Total risk-based capital ratio | 17.6376% | 2,882 |
| Memoranda: | ||
| Average total assets | $205,091,000 | 3,019 |
| Average earning assets | $194,047,000 | 2,935 |
| Average equity | $17,013,250 | 3,584 |
| Average total loans | $110,748,500 | 3,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 4,654 |
| Cost of funding earning assets | 0.9060% | 4,614 |
| Net interest margin | 3.7648% | 3,965 |
| Noninterest income to average assets | 1.1822% | 917 |
| Noninterest expense to average assets | 3.1606% | 3,046 |
| Loan and lease loss provision to assets | 0.0736% | 5,389 |
| Net operating income to assets | 1.4649% | 949 |
| Return on assets (ROA) | 1.4649% | 1,012 |
| Pretax return on assets | 1.5219% | 1,463 |
| Return on Equity (ROE) | 18.2107% | 452 |
| Retained earnings to average equity (ytd only) | 13.0233% | 389 |
| Net charge-offs to loans | -0.0018% | 6,526 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4533% | 4,785 |
| Assets per employee ($millions) | 3.1611% | 5,724 |
| Cash dividends to net income (ytd only)* | 28.4853% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,919 |
| Loan loss allowance to noncurrent loans | 662.3656% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 6,239 |
| Noncurrent loans to loans | 0.1675% | 6,562 |
| Net loans and leases to total assets | 52.6238% | 5,487 |
| Net loans and leases to deposits | 59.3984% | 5,789 |
| Net loans and leases to core deposits | 61.1284% | 5,986 |
| Total domestic deposits to total assets | 88.5946% | 1,786 |
| Equity capital to assets | 8.4854% | 6,200 |
| Core capital (leverage) ratio | 7.4665% | 6,765 |
| Tier 1 risk-based capital ratio | 15.8810% | 3,041 |
| Total risk-based capital ratio | 17.1356% | 3,011 |
| Memoranda: | ||
| Average total assets | $203,693,000 | 3,057 |
| Average earning assets | $193,372,000 | 2,953 |
| Average equity | $16,386,000 | 3,671 |
| Average total loans | $110,646,670 | 3,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 4,664 |
| Cost of funding earning assets | 0.9269% | 4,735 |
| Net interest margin | 3.7391% | 3,894 |
| Noninterest income to average assets | 1.1788% | 926 |
| Noninterest expense to average assets | 3.1766% | 2,975 |
| Loan and lease loss provision to assets | 0.0735% | 5,082 |
| Net operating income to assets | 1.4312% | 1,016 |
| Return on assets (ROA) | 1.4312% | 1,051 |
| Pretax return on assets | 1.4809% | 1,503 |
| Return on Equity (ROE) | 18.3119% | 449 |
| Retained earnings to average equity (ytd only) | 13.6322% | 507 |
| Net charge-offs to loans | -0.0145% | 6,465 |
| Credit loss provision to net charge-offs | -925.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1429% | 4,819 |
| Assets per employee ($millions) | 3.1375% | 5,859 |
| Cash dividends to net income (ytd only)* | 25.5556% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 6,131 |
| Loan loss allowance to noncurrent loans | 643.5484% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 6,063 |
| Noncurrent loans to loans | 0.1673% | 6,633 |
| Net loans and leases to total assets | 54.7709% | 5,201 |
| Net loans and leases to deposits | 60.4477% | 5,678 |
| Net loans and leases to core deposits | 62.2371% | 5,904 |
| Total domestic deposits to total assets | 90.6087% | 794 |
| Equity capital to assets | 7.9058% | 6,589 |
| Core capital (leverage) ratio | 7.5829% | 6,672 |
| Tier 1 risk-based capital ratio | 15.4072% | 3,206 |
| Total risk-based capital ratio | 16.6314% | 3,181 |
| Memoranda: | ||
| Average total assets | $201,224,500 | 3,097 |
| Average earning assets | $191,168,000 | 2,993 |
| Average equity | $15,727,500 | 3,770 |
| Average total loans | $110,459,500 | 3,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 4,417 |
| Cost of funding earning assets | 1.0679% | 5,330 |
| Net interest margin | 3.9606% | 3,211 |
| Noninterest income to average assets | 1.3396% | 819 |
| Noninterest expense to average assets | 3.4316% | 2,352 |
| Loan and lease loss provision to assets | 0.5886% | 2,780 |
| Net operating income to assets | 1.0590% | 1,840 |
| Return on assets (ROA) | 1.0840% | 1,839 |
| Pretax return on assets | 1.0771% | 2,671 |
| Return on Equity (ROE) | 13.1462% | 1,054 |
| Retained earnings to average equity (ytd only) | 4.2706% | 2,854 |
| Net charge-offs to loans | 1.0514% | 2,099 |
| Credit loss provision to net charge-offs | 96.3542% | 4,820 |
| Earnings coverage of net charge-offs (x) | 2.6858% | 3,747 |
| Efficiency ratio | 67.6529% | 4,635 |
| Assets per employee ($millions) | 3.0553% | 5,987 |
| Cash dividends to net income (ytd only)* | 67.5147% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 6,135 |
| Loan loss allowance to noncurrent loans | 566.6667% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 6,109 |
| Noncurrent loans to loans | 0.1859% | 6,698 |
| Net loans and leases to total assets | 53.8491% | 5,651 |
| Net loans and leases to deposits | 59.2862% | 6,128 |
| Net loans and leases to core deposits | 60.5527% | 6,352 |
| Total domestic deposits to total assets | 90.8290% | 677 |
| Equity capital to assets | 7.7264% | 6,730 |
| Core capital (leverage) ratio | 7.7413% | 6,504 |
| Tier 1 risk-based capital ratio | 14.8724% | 3,320 |
| Total risk-based capital ratio | 16.0565% | 3,324 |
| Memoranda: | ||
| Average total assets | $188,569,400 | 3,250 |
| Average earning assets | $177,724,800 | 3,147 |
| Average equity | $15,548,200 | 3,854 |
| Average total loans | $109,571,800 | 3,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 4,103 |
| Cost of funding earning assets | 1.1097% | 5,371 |
| Net interest margin | 4.0340% | 2,940 |
| Noninterest income to average assets | 1.4067% | 687 |
| Noninterest expense to average assets | 3.4552% | 2,147 |
| Loan and lease loss provision to assets | 0.1079% | 5,952 |
| Net operating income to assets | 1.5701% | 788 |
| Return on assets (ROA) | 1.5887% | 832 |
| Pretax return on assets | 1.6557% | 1,204 |
| Return on Equity (ROE) | 18.9439% | 392 |
| Retained earnings to average equity (ytd only) | 8.6569% | 1,178 |
| Net charge-offs to loans | 0.2142% | 4,657 |
| Credit loss provision to net charge-offs | 85.2273% | 4,952 |
| Earnings coverage of net charge-offs (x) | 13.7728% | 1,558 |
| Efficiency ratio | 66.4545% | 4,765 |
| Assets per employee ($millions) | 2.8116% | 6,562 |
| Cash dividends to net income (ytd only)* | 54.3026% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 6,068 |
| Loan loss allowance to noncurrent loans | 746.4968% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,902 |
| Noncurrent loans to loans | 0.1434% | 6,887 |
| Net loans and leases to total assets | 58.3730% | 5,205 |
| Net loans and leases to deposits | 65.8562% | 5,674 |
| Net loans and leases to core deposits | 68.2789% | 5,910 |
| Total domestic deposits to total assets | 88.6370% | 1,603 |
| Equity capital to assets | 9.2673% | 5,190 |
| Core capital (leverage) ratio | 7.9164% | 6,448 |
| Tier 1 risk-based capital ratio | 15.5738% | 2,958 |
| Total risk-based capital ratio | 16.8032% | 2,934 |
| Memoranda: | ||
| Average total assets | $185,300,000 | 3,340 |
| Average earning assets | $174,215,000 | 3,249 |
| Average equity | $15,540,250 | 3,892 |
| Average total loans | $109,529,500 | 3,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 4,280 |
| Cost of funding earning assets | 1.1637% | 5,321 |
| Net interest margin | 3.9699% | 3,162 |
| Noninterest income to average assets | 1.3509% | 688 |
| Noninterest expense to average assets | 3.3551% | 2,391 |
| Loan and lease loss provision to assets | 0.1296% | 5,584 |
| Net operating income to assets | 1.5269% | 859 |
| Return on assets (ROA) | 1.5269% | 920 |
| Pretax return on assets | 1.5906% | 1,326 |
| Return on Equity (ROE) | 18.8684% | 397 |
| Retained earnings to average equity (ytd only) | 7.1390% | 1,776 |
| Net charge-offs to loans | 0.2227% | 4,266 |
| Credit loss provision to net charge-offs | 98.3607% | 4,171 |
| Earnings coverage of net charge-offs (x) | 13.0574% | 1,615 |
| Efficiency ratio | 66.1064% | 4,964 |
| Assets per employee ($millions) | 2.8011% | 6,571 |
| Cash dividends to net income (ytd only)* | 62.1641% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,935 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 6,416 |
| Noncurrent loans to loans | 0.5080% | 6,237 |
| Net loans and leases to total assets | 58.1254% | 5,397 |
| Net loans and leases to deposits | 65.1195% | 5,905 |
| Net loans and leases to core deposits | 67.5041% | 6,099 |
| Total domestic deposits to total assets | 89.2595% | 1,303 |
| Equity capital to assets | 8.6147% | 5,990 |
| Core capital (leverage) ratio | 7.7127% | 6,592 |
| Tier 1 risk-based capital ratio | 14.9147% | 3,201 |
| Total risk-based capital ratio | 16.1582% | 3,173 |
| Memoranda: | ||
| Average total assets | $185,211,000 | 3,368 |
| Average earning assets | $173,759,000 | 3,276 |
| Average equity | $14,988,000 | 3,995 |
| Average total loans | $109,541,670 | 3,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 4,477 |
| Cost of funding earning assets | 1.2538% | 5,091 |
| Net interest margin | 3.8580% | 3,520 |
| Noninterest income to average assets | 1.3248% | 687 |
| Noninterest expense to average assets | 3.3315% | 2,423 |
| Loan and lease loss provision to assets | 0.0647% | 5,989 |
| Net operating income to assets | 1.4845% | 914 |
| Return on assets (ROA) | 1.4845% | 985 |
| Pretax return on assets | 1.5471% | 1,404 |
| Return on Equity (ROE) | 18.9545% | 442 |
| Retained earnings to average equity (ytd only) | 3.6366% | 3,970 |
| Net charge-offs to loans | 0.2691% | 3,336 |
| Credit loss provision to net charge-offs | 40.5405% | 4,630 |
| Earnings coverage of net charge-offs (x) | 10.0946% | 1,782 |
| Efficiency ratio | 67.3942% | 4,834 |
| Assets per employee ($millions) | 2.8040% | 6,639 |
| Cash dividends to net income (ytd only)* | 80.8140% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,230 |
| Loan loss allowance to noncurrent loans | 61.2321% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 5,021 |
| Noncurrent loans to loans | 1.7148% | 4,171 |
| Net loans and leases to total assets | 60.5492% | 5,033 |
| Net loans and leases to deposits | 67.7541% | 5,622 |
| Net loans and leases to core deposits | 71.8362% | 5,734 |
| Total domestic deposits to total assets | 89.3661% | 1,322 |
| Equity capital to assets | 8.0778% | 6,571 |
| Core capital (leverage) ratio | 7.3116% | 7,016 |
| Tier 1 risk-based capital ratio | 13.8431% | 3,769 |
| Total risk-based capital ratio | 15.0394% | 3,757 |
| Memoranda: | ||
| Average total assets | $185,381,000 | 3,422 |
| Average earning assets | $173,872,000 | 3,341 |
| Average equity | $14,519,000 | 4,117 |
| Average total loans | $109,986,000 | 3,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6326% | 3,428 |
| Cost of funding earning assets | 1.4871% | 5,563 |
| Net interest margin | 4.1454% | 2,266 |
| Noninterest income to average assets | 1.2808% | 919 |
| Noninterest expense to average assets | 3.6057% | 2,123 |
| Loan and lease loss provision to assets | 0.1729% | 5,968 |
| Net operating income to assets | 1.2639% | 1,105 |
| Return on assets (ROA) | 1.2687% | 1,153 |
| Pretax return on assets | 1.3702% | 1,502 |
| Return on Equity (ROE) | 16.5986% | 493 |
| Retained earnings to average equity (ytd only) | 7.4324% | 832 |
| Net charge-offs to loans | 0.0055% | 7,172 |
| Credit loss provision to net charge-offs | 5,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 444.8333% | 66 |
| Efficiency ratio | 70.1019% | 4,602 |
| Assets per employee ($millions) | 2.8986% | 6,457 |
| Cash dividends to net income (ytd only)* | 55.2225% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,962 |
| Loan loss allowance to noncurrent loans | 198.5075% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 6,649 |
| Noncurrent loans to loans | 0.5474% | 6,147 |
| Net loans and leases to total assets | 56.9574% | 5,827 |
| Net loans and leases to deposits | 63.3132% | 6,338 |
| Net loans and leases to core deposits | 71.0118% | 6,709 |
| Total domestic deposits to total assets | 89.9612% | 981 |
| Equity capital to assets | 7.6014% | 6,947 |
| Core capital (leverage) ratio | 7.5853% | 6,699 |
| Tier 1 risk-based capital ratio | 13.1730% | 4,029 |
| Total risk-based capital ratio | 14.3703% | 4,011 |
| Memoranda: | ||
| Average total assets | $173,557,400 | 3,547 |
| Average earning assets | $161,720,600 | 3,485 |
| Average equity | $13,266,200 | 4,443 |
| Average total loans | $109,716,000 | 3,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 2,909 |
| Cost of funding earning assets | 1.5845% | 5,469 |
| Net interest margin | 4.2125% | 2,005 |
| Noninterest income to average assets | 1.3253% | 874 |
| Noninterest expense to average assets | 3.5863% | 2,053 |
| Loan and lease loss provision to assets | 0.1774% | 5,588 |
| Net operating income to assets | 1.4351% | 957 |
| Return on assets (ROA) | 1.4419% | 995 |
| Pretax return on assets | 1.4963% | 1,425 |
| Return on Equity (ROE) | 18.8350% | 372 |
| Retained earnings to average equity (ytd only) | 8.7533% | 906 |
| Net charge-offs to loans | 0.0061% | 6,875 |
| Credit loss provision to net charge-offs | 4,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 422.5787% | 84 |
| Efficiency ratio | 68.2725% | 4,910 |
| Assets per employee ($millions) | 2.5804% | 7,087 |
| Cash dividends to net income (ytd only)* | 53.5264% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 6,196 |
| Loan loss allowance to noncurrent loans | 183.0619% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 6,285 |
| Noncurrent loans to loans | 0.5537% | 6,208 |
| Net loans and leases to total assets | 65.4395% | 4,547 |
| Net loans and leases to deposits | 74.4147% | 5,304 |
| Net loans and leases to core deposits | 84.8643% | 5,976 |
| Total domestic deposits to total assets | 87.9389% | 1,685 |
| Equity capital to assets | 8.4803% | 6,273 |
| Core capital (leverage) ratio | 7.5069% | 6,959 |
| Tier 1 risk-based capital ratio | 13.7148% | 3,702 |
| Total risk-based capital ratio | 14.8976% | 3,689 |
| Memoranda: | ||
| Average total assets | $169,119,750 | 3,644 |
| Average earning assets | $157,685,750 | 3,585 |
| Average equity | $12,947,250 | 4,552 |
| Average total loans | $109,604,750 | 3,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7903% | 3,095 |
| Cost of funding earning assets | 1.6433% | 5,539 |
| Net interest margin | 4.1470% | 2,171 |
| Noninterest income to average assets | 1.1864% | 1,111 |
| Noninterest expense to average assets | 3.4095% | 2,593 |
| Loan and lease loss provision to assets | 0.1769% | 5,276 |
| Net operating income to assets | 1.3980% | 1,033 |
| Return on assets (ROA) | 1.4082% | 1,079 |
| Pretax return on assets | 1.4707% | 1,527 |
| Return on Equity (ROE) | 19.0709% | 398 |
| Retained earnings to average equity (ytd only) | 10.3181% | 665 |
| Net charge-offs to loans | 0.0147% | 6,331 |
| Credit loss provision to net charge-offs | 1,875.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 237 |
| Efficiency ratio | 67.5625% | 5,239 |
| Assets per employee ($millions) | 2.4988% | 7,256 |
| Cash dividends to net income (ytd only)* | 45.8961% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 6,525 |
| Loan loss allowance to noncurrent loans | 119.9541% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 5,880 |
| Noncurrent loans to loans | 0.7969% | 5,640 |
| Net loans and leases to total assets | 63.7797% | 5,029 |
| Net loans and leases to deposits | 71.2336% | 5,844 |
| Net loans and leases to core deposits | 80.3470% | 6,375 |
| Total domestic deposits to total assets | 89.5360% | 1,030 |
| Equity capital to assets | 7.8921% | 6,871 |
| Core capital (leverage) ratio | 7.3429% | 7,198 |
| Tier 1 risk-based capital ratio | 13.3942% | 3,870 |
| Total risk-based capital ratio | 14.4937% | 3,887 |
| Memoranda: | ||
| Average total assets | $169,583,330 | 3,651 |
| Average earning assets | $157,849,330 | 3,601 |
| Average equity | $12,521,670 | 4,669 |
| Average total loans | $109,178,000 | 3,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 3,440 |
| Cost of funding earning assets | 1.6530% | 5,800 |
| Net interest margin | 4.1159% | 2,224 |
| Noninterest income to average assets | 0.9586% | 1,611 |
| Noninterest expense to average assets | 3.3621% | 2,466 |
| Loan and lease loss provision to assets | 0.1771% | 4,690 |
| Net operating income to assets | 1.1507% | 1,801 |
| Return on assets (ROA) | 1.1711% | 1,851 |
| Pretax return on assets | 1.2207% | 2,551 |
| Return on Equity (ROE) | 16.4272% | 761 |
| Retained earnings to average equity (ytd only) | 5.2991% | 2,961 |
| Net charge-offs to loans | 0.0844% | 4,324 |
| Credit loss provision to net charge-offs | 326.0870% | 1,519 |
| Earnings coverage of net charge-offs (x) | 25.3478% | 1,209 |
| Efficiency ratio | 70.9517% | 4,383 |
| Assets per employee ($millions) | 2.5894% | 7,113 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 6,839 |
| Loan loss allowance to noncurrent loans | 105.6354% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 5,517 |
| Noncurrent loans to loans | 0.8302% | 5,365 |
| Net loans and leases to total assets | 64.1978% | 4,951 |
| Net loans and leases to deposits | 71.6112% | 5,792 |
| Net loans and leases to core deposits | 81.2281% | 6,293 |
| Total domestic deposits to total assets | 89.6477% | 952 |
| Equity capital to assets | 7.4000% | 7,421 |
| Core capital (leverage) ratio | 7.4854% | 7,176 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,059 |
| Total risk-based capital ratio | 14.2152% | 4,129 |
| Memoranda: | ||
| Average total assets | $169,417,000 | 3,662 |
| Average earning assets | $155,592,500 | 3,656 |
| Average equity | $12,077,500 | 4,812 |
| Average total loans | $109,058,000 | 3,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2474% | 4,259 |
| Cost of funding earning assets | 2.2577% | 5,342 |
| Net interest margin | 3.9896% | 3,166 |
| Noninterest income to average assets | 1.1805% | 1,097 |
| Noninterest expense to average assets | 3.5303% | 2,315 |
| Loan and lease loss provision to assets | 0.1723% | 5,180 |
| Net operating income to assets | 1.1356% | 2,009 |
| Return on assets (ROA) | 1.1381% | 1,914 |
| Pretax return on assets | 1.1818% | 2,714 |
| Return on Equity (ROE) | 15.7422% | 808 |
| Retained earnings to average equity (ytd only) | 10.0486% | 444 |
| Net charge-offs to loans | 0.1804% | 4,386 |
| Credit loss provision to net charge-offs | 136.1257% | 3,917 |
| Earnings coverage of net charge-offs (x) | 10.6754% | 2,478 |
| Efficiency ratio | 72.3150% | 3,879 |
| Assets per employee ($millions) | 2.7504% | 6,676 |
| Cash dividends to net income (ytd only)* | 36.1677% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 6,985 |
| Loan loss allowance to noncurrent loans | 160.5684% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 5,347 |
| Noncurrent loans to loans | 0.5160% | 5,803 |
| Net loans and leases to total assets | 63.4542% | 5,378 |
| Net loans and leases to deposits | 70.5850% | 6,211 |
| Net loans and leases to core deposits | 83.1539% | 6,373 |
| Total domestic deposits to total assets | 89.8976% | 689 |
| Equity capital to assets | 6.8612% | 7,800 |
| Core capital (leverage) ratio | 7.5291% | 7,172 |
| Tier 1 risk-based capital ratio | 12.3500% | 4,552 |
| Total risk-based capital ratio | 13.3145% | 4,655 |
| Memoranda: | ||
| Average total assets | $150,865,400 | 3,882 |
| Average earning assets | $139,962,800 | 3,848 |
| Average equity | $10,907,000 | 5,148 |
| Average total loans | $105,858,200 | 3,799 |