Home > First Savings Bank > Performance and Condition Ratios
First Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 1,461 |
| Cost of funding earning assets | 2.2646% | 579 |
| Net interest margin | 3.0549% | 3,173 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.2179% | 817 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.4481% | 3,772 |
| Return on assets (ROA) | 0.4281% | 3,811 |
| Pretax return on assets | 0.4365% | 3,913 |
| Return on Equity (ROE) | 4.8700% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.8717% | 2,646 |
| Net charge-offs to loans | 0.0465% | 1,414 |
| Credit loss provision to net charge-offs | 256.4792% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.0941% | 2,057 |
| Efficiency ratio | 85.2283% | 600 |
| Assets per employee ($millions) | 7.9308% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,325 |
| Loan loss allowance to noncurrent loans | 112.9826% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 689 |
| Noncurrent loans to loans | 0.8829% | 857 |
| Net loans and leases to total assets | 80.8000% | 553 |
| Net loans and leases to deposits | 110.2583% | 192 |
| Net loans and leases to core deposits | 164.3947% | 135 |
| Total domestic deposits to total assets | 73.2900% | 4,148 |
| Equity capital to assets | 8.9365% | 2,715 |
| Core capital (leverage) ratio | 9.0452% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9721% | 2,592 |
| Memoranda: | ||
| Average total assets | $2,256,113,400 | 509 |
| Average earning assets | $2,035,893,800 | 512 |
| Average equity | $198,269,400 | 545 |
| Average total loans | $1,758,971,200 | 452 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 1,319 |
| Cost of funding earning assets | 2.1426% | 554 |
| Net interest margin | 3.1330% | 3,076 |
| Noninterest income to average assets | 1.1900% | 505 |
| Noninterest expense to average assets | 3.3818% | 644 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4925% | 3,782 |
| Return on assets (ROA) | 0.4647% | 3,838 |
| Pretax return on assets | 0.4920% | 3,912 |
| Return on Equity (ROE) | 5.3100% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3107% | 2,843 |
| Net charge-offs to loans | 0.0624% | 1,036 |
| Credit loss provision to net charge-offs | 201.4851% | 1,115 |
| Earnings coverage of net charge-offs (x) | 12.8750% | 2,052 |
| Efficiency ratio | 84.3044% | 599 |
| Assets per employee ($millions) | 5.8834% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,657 |
| Loan loss allowance to noncurrent loans | 120.3618% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 893 |
| Noncurrent loans to loans | 0.7660% | 1,085 |
| Net loans and leases to total assets | 79.3500% | 725 |
| Net loans and leases to deposits | 107.3202% | 263 |
| Net loans and leases to core deposits | 151.8176% | 140 |
| Total domestic deposits to total assets | 73.9400% | 4,163 |
| Equity capital to assets | 8.3432% | 2,833 |
| Core capital (leverage) ratio | 9.1706% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2652% | 2,772 |
| Memoranda: | ||
| Average total assets | $2,243,179,500 | 513 |
| Average earning assets | $2,012,829,250 | 521 |
| Average equity | $196,276,750 | 541 |
| Average total loans | $1,727,812,000 | 458 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 1,276 |
| Cost of funding earning assets | 2.0455% | 447 |
| Net interest margin | 3.1156% | 3,184 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 3.2813% | 704 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6605% | 3,431 |
| Return on assets (ROA) | 0.6199% | 3,534 |
| Pretax return on assets | 0.7004% | 3,602 |
| Return on Equity (ROE) | 6.9700% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.9739% | 2,291 |
| Net charge-offs to loans | 0.0066% | 1,994 |
| Credit loss provision to net charge-offs | 1,453.5714% | 326 |
| Earnings coverage of net charge-offs (x) | 162.9286% | 709 |
| Efficiency ratio | 79.7911% | 854 |
| Assets per employee ($millions) | 5.2838% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,621 |
| Loan loss allowance to noncurrent loans | 141.9610% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 1,017 |
| Noncurrent loans to loans | 0.6696% | 1,115 |
| Net loans and leases to total assets | 77.7600% | 860 |
| Net loans and leases to deposits | 104.9835% | 335 |
| Net loans and leases to core deposits | 144.8202% | 173 |
| Total domestic deposits to total assets | 74.0700% | 4,189 |
| Equity capital to assets | 8.8872% | 2,596 |
| Core capital (leverage) ratio | 9.0576% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3484% | 2,794 |
| Memoranda: | ||
| Average total assets | $2,228,027,667 | 500 |
| Average earning assets | $1,997,566,333 | 515 |
| Average equity | $198,053,667 | 531 |
| Average total loans | $1,692,750,333 | 449 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 1,240 |
| Cost of funding earning assets | 1.8509% | 408 |
| Net interest margin | 3.1390% | 3,266 |
| Noninterest income to average assets | 1.3500% | 372 |
| Noninterest expense to average assets | 3.1945% | 806 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8084% | 3,170 |
| Return on assets (ROA) | 0.8118% | 3,108 |
| Pretax return on assets | 0.9128% | 3,200 |
| Return on Equity (ROE) | 9.1300% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.1310% | 1,906 |
| Net charge-offs to loans | -0.0015% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.3646% | 1,146 |
| Assets per employee ($millions) | 5.6299% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,557 |
| Loan loss allowance to noncurrent loans | 132.2034% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 912 |
| Noncurrent loans to loans | 0.7483% | 1,022 |
| Net loans and leases to total assets | 73.7000% | 1,239 |
| Net loans and leases to deposits | 105.7817% | 255 |
| Net loans and leases to core deposits | 139.5249% | 188 |
| Total domestic deposits to total assets | 69.6700% | 4,425 |
| Equity capital to assets | 9.0142% | 2,509 |
| Core capital (leverage) ratio | 9.3122% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4315% | 2,871 |
| Memoranda: | ||
| Average total assets | $2,213,941,500 | 512 |
| Average earning assets | $1,986,483,000 | 525 |
| Average equity | $196,823,500 | 543 |
| Average total loans | $1,653,490,500 | 468 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 730 |
| Cost of funding earning assets | 0.7546% | 459 |
| Net interest margin | 3.7392% | 1,289 |
| Noninterest income to average assets | 2.0000% | 243 |
| Noninterest expense to average assets | 4.3334% | 271 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7666% | 3,432 |
| Return on assets (ROA) | 0.7861% | 3,307 |
| Pretax return on assets | 0.8906% | 3,387 |
| Return on Equity (ROE) | 8.1100% | 3,359 |
| Retained earnings to average equity (ytd only) | 8.1073% | 1,787 |
| Net charge-offs to loans | 0.0732% | 912 |
| Credit loss provision to net charge-offs | 221.9512% | 1,060 |
| Earnings coverage of net charge-offs (x) | 18.2486% | 1,935 |
| Efficiency ratio | 81.2191% | 639 |
| Assets per employee ($millions) | 5.3224% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,477 |
| Loan loss allowance to noncurrent loans | 139.5349% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 936 |
| Noncurrent loans to loans | 0.7013% | 1,069 |
| Net loans and leases to total assets | 74.2100% | 1,197 |
| Net loans and leases to deposits | 104.6436% | 273 |
| Net loans and leases to core deposits | 136.2604% | 168 |
| Total domestic deposits to total assets | 70.9100% | 4,452 |
| Equity capital to assets | 8.7638% | 2,521 |
| Core capital (leverage) ratio | 9.3508% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4103% | 2,888 |
| Memoranda: | ||
| Average total assets | $1,967,636,600 | 561 |
| Average earning assets | $1,750,245,400 | 577 |
| Average equity | $190,790,800 | 545 |
| Average total loans | $1,455,418,000 | 494 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 628 |
| Cost of funding earning assets | 0.5293% | 642 |
| Net interest margin | 3.8353% | 900 |
| Noninterest income to average assets | 2.3900% | 221 |
| Noninterest expense to average assets | 4.6564% | 237 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8842% | 2,944 |
| Return on assets (ROA) | 0.9113% | 2,799 |
| Pretax return on assets | 1.0658% | 2,828 |
| Return on Equity (ROE) | 9.0900% | 3,004 |
| Retained earnings to average equity (ytd only) | 9.0900% | 1,618 |
| Net charge-offs to loans | 0.0764% | 769 |
| Credit loss provision to net charge-offs | 172.3192% | 1,054 |
| Earnings coverage of net charge-offs (x) | 20.1234% | 1,711 |
| Efficiency ratio | 80.2618% | 760 |
| Assets per employee ($millions) | 4.5699% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,397 |
| Loan loss allowance to noncurrent loans | 141.4886% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 1,001 |
| Noncurrent loans to loans | 0.7178% | 1,137 |
| Net loans and leases to total assets | 72.9600% | 1,183 |
| Net loans and leases to deposits | 97.4990% | 475 |
| Net loans and leases to core deposits | 123.5336% | 200 |
| Total domestic deposits to total assets | 74.8300% | 4,418 |
| Equity capital to assets | 8.8516% | 2,319 |
| Core capital (leverage) ratio | 9.6440% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7401% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,902,328,000 | 581 |
| Average earning assets | $1,686,239,250 | 597 |
| Average equity | $190,709,500 | 551 |
| Average total loans | $1,398,950,250 | 503 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 654 |
| Cost of funding earning assets | 0.4005% | 916 |
| Net interest margin | 3.7851% | 774 |
| Noninterest income to average assets | 3.2019% | 143 |
| Noninterest expense to average assets | 5.2304% | 162 |
| Loan and lease loss provision to assets | 0.0543% | 1,605 |
| Net operating income to assets | 1.0578% | 1,943 |
| Return on assets (ROA) | 1.0985% | 1,749 |
| Pretax return on assets | 1.3106% | 1,713 |
| Return on Equity (ROE) | 10.5039% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.5039% | 902 |
| Net charge-offs to loans | 0.0445% | 941 |
| Credit loss provision to net charge-offs | 166.0066% | 1,056 |
| Earnings coverage of net charge-offs (x) | 40.2409% | 1,253 |
| Efficiency ratio | 79.7160% | 967 |
| Assets per employee ($millions) | 3.9555% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,522 |
| Loan loss allowance to noncurrent loans | 147.0646% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 1,017 |
| Noncurrent loans to loans | 0.6925% | 1,247 |
| Net loans and leases to total assets | 72.7389% | 1,038 |
| Net loans and leases to deposits | 106.2572% | 132 |
| Net loans and leases to core deposits | 122.8840% | 171 |
| Total domestic deposits to total assets | 68.4555% | 4,635 |
| Equity capital to assets | 9.6825% | 1,893 |
| Core capital (leverage) ratio | 9.9767% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0449% | 2,805 |
| Memoranda: | ||
| Average total assets | $1,852,469,667 | 591 |
| Average earning assets | $1,637,052,667 | 610 |
| Average equity | $193,737,000 | 552 |
| Average total loans | $1,361,141,667 | 510 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 710 |
| Cost of funding earning assets | 0.3630% | 1,108 |
| Net interest margin | 3.6799% | 775 |
| Noninterest income to average assets | 4.5193% | 111 |
| Noninterest expense to average assets | 5.7308% | 133 |
| Loan and lease loss provision to assets | -0.0065% | 4,410 |
| Net operating income to assets | 1.6245% | 481 |
| Return on assets (ROA) | 1.6216% | 483 |
| Pretax return on assets | 2.0257% | 330 |
| Return on Equity (ROE) | 14.8842% | 672 |
| Retained earnings to average equity (ytd only) | 14.8842% | 297 |
| Net charge-offs to loans | 0.0845% | 581 |
| Credit loss provision to net charge-offs | -10.5072% | 2,756 |
| Earnings coverage of net charge-offs (x) | 32.5761% | 1,094 |
| Efficiency ratio | 73.7581% | 1,771 |
| Assets per employee ($millions) | 3.2437% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,248 |
| Loan loss allowance to noncurrent loans | 143.9439% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 900 |
| Noncurrent loans to loans | 0.7772% | 1,227 |
| Net loans and leases to total assets | 71.2002% | 905 |
| Net loans and leases to deposits | 101.6301% | 145 |
| Net loans and leases to core deposits | 110.0758% | 258 |
| Total domestic deposits to total assets | 70.0581% | 4,656 |
| Equity capital to assets | 10.6866% | 1,498 |
| Core capital (leverage) ratio | 10.0615% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1632% | 2,854 |
| Memoranda: | ||
| Average total assets | $1,777,969,500 | 608 |
| Average earning assets | $1,562,641,000 | 639 |
| Average equity | $193,709,000 | 566 |
| Average total loans | $1,306,299,000 | 520 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 1,121 |
| Cost of funding earning assets | 0.4053% | 1,511 |
| Net interest margin | 3.7181% | 1,172 |
| Noninterest income to average assets | 5.1375% | 106 |
| Noninterest expense to average assets | 6.7951% | 106 |
| Loan and lease loss provision to assets | -0.1079% | 4,549 |
| Net operating income to assets | 1.3776% | 1,350 |
| Return on assets (ROA) | 1.3799% | 1,398 |
| Pretax return on assets | 1.7649% | 988 |
| Return on Equity (ROE) | 13.0051% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.8735% | 729 |
| Net charge-offs to loans | 0.0319% | 1,601 |
| Credit loss provision to net charge-offs | -438.8506% | 3,732 |
| Earnings coverage of net charge-offs (x) | 67.2506% | 1,104 |
| Efficiency ratio | 80.2799% | 789 |
| Assets per employee ($millions) | 3.1923% | 4,656 |
| Cash dividends to net income (ytd only)* | 16.3901% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,270 |
| Loan loss allowance to noncurrent loans | 116.1219% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 720 |
| Noncurrent loans to loans | 0.9652% | 1,037 |
| Net loans and leases to total assets | 74.1286% | 656 |
| Net loans and leases to deposits | 102.2908% | 160 |
| Net loans and leases to core deposits | 115.6950% | 205 |
| Total domestic deposits to total assets | 72.4685% | 4,631 |
| Equity capital to assets | 11.1078% | 1,731 |
| Core capital (leverage) ratio | 10.2803% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2494% | 2,545 |
| Memoranda: | ||
| Average total assets | $1,768,574,400 | 594 |
| Average earning assets | $1,575,297,400 | 608 |
| Average equity | $187,657,800 | 577 |
| Average total loans | $1,364,755,600 | 503 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 1,201 |
| Cost of funding earning assets | 0.4081% | 1,638 |
| Net interest margin | 3.7367% | 1,258 |
| Noninterest income to average assets | 5.5926% | 103 |
| Noninterest expense to average assets | 7.1723% | 104 |
| Loan and lease loss provision to assets | -0.1833% | 4,732 |
| Net operating income to assets | 1.5033% | 1,266 |
| Return on assets (ROA) | 1.5054% | 1,309 |
| Pretax return on assets | 1.9457% | 875 |
| Return on Equity (ROE) | 14.3547% | 1,299 |
| Retained earnings to average equity (ytd only) | 11.4832% | 953 |
| Net charge-offs to loans | 0.0376% | 1,335 |
| Credit loss provision to net charge-offs | -627.5773% | 3,717 |
| Earnings coverage of net charge-offs (x) | 60.2423% | 1,139 |
| Efficiency ratio | 80.1639% | 732 |
| Assets per employee ($millions) | 3.0408% | 4,748 |
| Cash dividends to net income (ytd only)* | 20.0040% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,458 |
| Loan loss allowance to noncurrent loans | 92.5691% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 660 |
| Noncurrent loans to loans | 1.1837% | 942 |
| Net loans and leases to total assets | 75.2695% | 595 |
| Net loans and leases to deposits | 104.3279% | 149 |
| Net loans and leases to core deposits | 116.4278% | 220 |
| Total domestic deposits to total assets | 72.1471% | 4,679 |
| Equity capital to assets | 11.1166% | 1,938 |
| Core capital (leverage) ratio | 10.0744% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6015% | 2,505 |
| Memoranda: | ||
| Average total assets | $1,770,984,000 | 598 |
| Average earning assets | $1,582,700,000 | 610 |
| Average equity | $185,727,500 | 588 |
| Average total loans | $1,376,281,000 | 505 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 1,332 |
| Cost of funding earning assets | 0.4165% | 1,752 |
| Net interest margin | 3.6912% | 1,373 |
| Noninterest income to average assets | 6.4572% | 91 |
| Noninterest expense to average assets | 7.8304% | 96 |
| Loan and lease loss provision to assets | -0.2730% | 4,821 |
| Net operating income to assets | 1.6788% | 906 |
| Return on assets (ROA) | 1.6810% | 948 |
| Pretax return on assets | 2.2133% | 563 |
| Return on Equity (ROE) | 16.3423% | 894 |
| Retained earnings to average equity (ytd only) | 14.1694% | 522 |
| Net charge-offs to loans | 0.0056% | 1,943 |
| Credit loss provision to net charge-offs | -6,264.1026% | 4,012 |
| Earnings coverage of net charge-offs (x) | 444.5385% | 290 |
| Efficiency ratio | 80.0423% | 779 |
| Assets per employee ($millions) | 2.8378% | 4,809 |
| Cash dividends to net income (ytd only)* | 13.2961% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,505 |
| Loan loss allowance to noncurrent loans | 94.2881% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 771 |
| Noncurrent loans to loans | 1.1436% | 1,059 |
| Net loans and leases to total assets | 76.5908% | 539 |
| Net loans and leases to deposits | 118.5520% | 58 |
| Net loans and leases to core deposits | 128.8412% | 135 |
| Total domestic deposits to total assets | 64.6053% | 4,838 |
| Equity capital to assets | 10.7848% | 2,161 |
| Core capital (leverage) ratio | 10.6151% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9684% | 2,734 |
| Memoranda: | ||
| Average total assets | $1,789,643,333 | 590 |
| Average earning assets | $1,605,188,667 | 595 |
| Average equity | $184,086,333 | 588 |
| Average total loans | $1,399,982,000 | 497 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 1,317 |
| Cost of funding earning assets | 0.4278% | 1,874 |
| Net interest margin | 3.7071% | 1,319 |
| Noninterest income to average assets | 8.6184% | 79 |
| Noninterest expense to average assets | 8.7445% | 85 |
| Loan and lease loss provision to assets | 0.0635% | 1,868 |
| Net operating income to assets | 2.3047% | 356 |
| Return on assets (ROA) | 2.3094% | 381 |
| Pretax return on assets | 3.1547% | 201 |
| Return on Equity (ROE) | 22.9919% | 337 |
| Retained earnings to average equity (ytd only) | 22.9919% | 183 |
| Net charge-offs to loans | -0.0023% | 3,161 |
| Credit loss provision to net charge-offs | -3,587.5000% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0363% | 1,402 |
| Assets per employee ($millions) | 2.7066% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,492 |
| Loan loss allowance to noncurrent loans | 152.7179% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 1,182 |
| Noncurrent loans to loans | 0.8431% | 1,587 |
| Net loans and leases to total assets | 76.5013% | 587 |
| Net loans and leases to deposits | 121.1307% | 63 |
| Net loans and leases to core deposits | 133.7780% | 123 |
| Total domestic deposits to total assets | 63.1560% | 4,866 |
| Equity capital to assets | 10.6177% | 2,153 |
| Core capital (leverage) ratio | 10.2232% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2977% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,807,580,000 | 576 |
| Average earning assets | $1,627,817,000 | 587 |
| Average equity | $181,559,500 | 589 |
| Average total loans | $1,421,038,500 | 491 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 2,258 |
| Cost of funding earning assets | 0.6014% | 2,295 |
| Net interest margin | 3.5576% | 2,283 |
| Noninterest income to average assets | 10.1569% | 68 |
| Noninterest expense to average assets | 9.2198% | 81 |
| Loan and lease loss provision to assets | 0.5114% | 468 |
| Net operating income to assets | 2.5821% | 127 |
| Return on assets (ROA) | 2.5213% | 136 |
| Pretax return on assets | 3.5959% | 85 |
| Return on Equity (ROE) | 26.2814% | 94 |
| Retained earnings to average equity (ytd only) | 26.2814% | 38 |
| Net charge-offs to loans | 0.1231% | 1,268 |
| Credit loss provision to net charge-offs | 530.9804% | 1,203 |
| Earnings coverage of net charge-offs (x) | 43.2752% | 1,321 |
| Efficiency ratio | 68.7656% | 2,129 |
| Assets per employee ($millions) | 2.8894% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,209 |
| Loan loss allowance to noncurrent loans | 141.8019% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 1,363 |
| Noncurrent loans to loans | 0.8109% | 1,728 |
| Net loans and leases to total assets | 78.7421% | 520 |
| Net loans and leases to deposits | 130.3220% | 43 |
| Net loans and leases to core deposits | 154.8825% | 76 |
| Total domestic deposits to total assets | 60.4211% | 4,911 |
| Equity capital to assets | 9.5089% | 3,602 |
| Core capital (leverage) ratio | 9.7849% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6136% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,588,482,800 | 586 |
| Average earning assets | $1,442,697,400 | 583 |
| Average equity | $152,389,200 | 666 |
| Average total loans | $1,242,751,800 | 528 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 1,686 |
| Cost of funding earning assets | 0.6483% | 2,335 |
| Net interest margin | 3.8089% | 1,596 |
| Noninterest income to average assets | 9.9266% | 69 |
| Noninterest expense to average assets | 8.9461% | 84 |
| Loan and lease loss provision to assets | 0.6548% | 359 |
| Net operating income to assets | 2.6951% | 118 |
| Return on assets (ROA) | 2.6447% | 128 |
| Pretax return on assets | 3.7357% | 77 |
| Return on Equity (ROE) | 27.4938% | 86 |
| Retained earnings to average equity (ytd only) | 27.4938% | 38 |
| Net charge-offs to loans | 0.1085% | 1,251 |
| Credit loss provision to net charge-offs | 775.8585% | 1,002 |
| Earnings coverage of net charge-offs (x) | 52.6233% | 1,161 |
| Efficiency ratio | 66.7209% | 2,365 |
| Assets per employee ($millions) | 2.7339% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,545 |
| Loan loss allowance to noncurrent loans | 125.7088% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,335 |
| Noncurrent loans to loans | 0.9725% | 1,537 |
| Net loans and leases to total assets | 78.1340% | 815 |
| Net loans and leases to deposits | 130.1276% | 57 |
| Net loans and leases to core deposits | 154.1414% | 99 |
| Total domestic deposits to total assets | 60.0442% | 4,931 |
| Equity capital to assets | 9.5934% | 3,610 |
| Core capital (leverage) ratio | 9.3697% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1277% | 2,567 |
| Memoranda: | ||
| Average total assets | $1,518,248,500 | 594 |
| Average earning assets | $1,379,354,750 | 597 |
| Average equity | $146,046,250 | 683 |
| Average total loans | $1,181,153,750 | 543 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 2,094 |
| Cost of funding earning assets | 0.7178% | 2,295 |
| Net interest margin | 3.7227% | 2,082 |
| Noninterest income to average assets | 7.9823% | 77 |
| Noninterest expense to average assets | 7.9766% | 89 |
| Loan and lease loss provision to assets | 0.6518% | 445 |
| Net operating income to assets | 2.0347% | 309 |
| Return on assets (ROA) | 2.0712% | 321 |
| Pretax return on assets | 2.7728% | 147 |
| Return on Equity (ROE) | 21.5074% | 182 |
| Retained earnings to average equity (ytd only) | 21.5074% | 76 |
| Net charge-offs to loans | 0.1035% | 1,245 |
| Credit loss provision to net charge-offs | 814.7826% | 910 |
| Earnings coverage of net charge-offs (x) | 42.3565% | 1,209 |
| Efficiency ratio | 70.0533% | 1,947 |
| Assets per employee ($millions) | 2.7457% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,923 |
| Loan loss allowance to noncurrent loans | 105.8568% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 1,304 |
| Noncurrent loans to loans | 1.0588% | 1,470 |
| Net loans and leases to total assets | 77.8788% | 859 |
| Net loans and leases to deposits | 130.1676% | 51 |
| Net loans and leases to core deposits | 151.9698% | 97 |
| Total domestic deposits to total assets | 59.8297% | 4,959 |
| Equity capital to assets | 9.2600% | 3,869 |
| Core capital (leverage) ratio | 9.3634% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4903% | 2,817 |
| Memoranda: | ||
| Average total assets | $1,437,456,667 | 611 |
| Average earning assets | $1,306,248,667 | 612 |
| Average equity | $138,427,000 | 708 |
| Average total loans | $1,110,647,667 | 565 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 2,181 |
| Cost of funding earning assets | 0.8190% | 2,284 |
| Net interest margin | 3.7244% | 2,244 |
| Noninterest income to average assets | 3.3278% | 133 |
| Noninterest expense to average assets | 6.6882% | 131 |
| Loan and lease loss provision to assets | 0.5136% | 571 |
| Net operating income to assets | -0.3266% | 4,893 |
| Return on assets (ROA) | -0.1887% | 4,820 |
| Pretax return on assets | -0.3587% | 4,853 |
| Return on Equity (ROE) | -1.9135% | 4,834 |
| Retained earnings to average equity (ytd only) | -1.9135% | 4,240 |
| Net charge-offs to loans | 0.2144% | 652 |
| Credit loss provision to net charge-offs | 313.8122% | 1,140 |
| Earnings coverage of net charge-offs (x) | 0.1123% | 2,485 |
| Efficiency ratio | 99.4876% | 244 |
| Assets per employee ($millions) | 2.4760% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,148 |
| Loan loss allowance to noncurrent loans | 85.0564% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,117 |
| Noncurrent loans to loans | 1.3054% | 1,252 |
| Net loans and leases to total assets | 76.3217% | 1,246 |
| Net loans and leases to deposits | 109.9092% | 190 |
| Net loans and leases to core deposits | 140.7599% | 161 |
| Total domestic deposits to total assets | 69.4407% | 4,873 |
| Equity capital to assets | 9.3399% | 4,362 |
| Core capital (leverage) ratio | 8.9061% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6748% | 3,191 |
| Memoranda: | ||
| Average total assets | $1,326,997,500 | 631 |
| Average earning assets | $1,203,858,000 | 638 |
| Average equity | $130,857,500 | 746 |
| Average total loans | $1,012,890,000 | 591 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 1,852 |
| Cost of funding earning assets | 0.9463% | 1,976 |
| Net interest margin | 3.9216% | 2,103 |
| Noninterest income to average assets | 4.7465% | 96 |
| Noninterest expense to average assets | 6.3655% | 128 |
| Loan and lease loss provision to assets | 0.1394% | 1,530 |
| Net operating income to assets | 1.4950% | 1,068 |
| Return on assets (ROA) | 1.4221% | 1,344 |
| Pretax return on assets | 1.7589% | 1,049 |
| Return on Equity (ROE) | 13.6357% | 975 |
| Retained earnings to average equity (ytd only) | 13.6357% | 137 |
| Net charge-offs to loans | 0.0846% | 1,907 |
| Credit loss provision to net charge-offs | 222.3118% | 1,192 |
| Earnings coverage of net charge-offs (x) | 31.4530% | 1,533 |
| Efficiency ratio | 76.1058% | 1,350 |
| Assets per employee ($millions) | 2.7916% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,048 |
| Loan loss allowance to noncurrent loans | 195.3618% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 2,195 |
| Noncurrent loans to loans | 0.5540% | 2,517 |
| Net loans and leases to total assets | 74.6147% | 1,648 |
| Net loans and leases to deposits | 107.3753% | 248 |
| Net loans and leases to core deposits | 129.1654% | 285 |
| Total domestic deposits to total assets | 69.4897% | 4,952 |
| Equity capital to assets | 10.4125% | 3,529 |
| Core capital (leverage) ratio | 9.2744% | 4,306 |
| Tier 1 risk-based capital ratio | 11.4609% | 4,648 |
| Total risk-based capital ratio | 12.5125% | 4,641 |
| Memoranda: | ||
| Average total assets | $1,186,561,000 | 667 |
| Average earning assets | $1,086,609,200 | 669 |
| Average equity | $123,749,000 | 734 |
| Average total loans | $879,133,200 | 657 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,827 |
| Cost of funding earning assets | 0.9654% | 1,906 |
| Net interest margin | 3.9315% | 2,156 |
| Noninterest income to average assets | 4.5246% | 103 |
| Noninterest expense to average assets | 5.9090% | 140 |
| Loan and lease loss provision to assets | 0.1319% | 1,458 |
| Net operating income to assets | 1.7055% | 734 |
| Return on assets (ROA) | 1.6244% | 916 |
| Pretax return on assets | 2.0101% | 669 |
| Return on Equity (ROE) | 15.5222% | 681 |
| Retained earnings to average equity (ytd only) | 15.5222% | 123 |
| Net charge-offs to loans | 0.1136% | 1,342 |
| Credit loss provision to net charge-offs | 157.6132% | 1,572 |
| Earnings coverage of net charge-offs (x) | 26.5760% | 1,738 |
| Efficiency ratio | 72.3872% | 1,780 |
| Assets per employee ($millions) | 2.7101% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,052 |
| Loan loss allowance to noncurrent loans | 196.5929% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 2,286 |
| Noncurrent loans to loans | 0.5571% | 2,624 |
| Net loans and leases to total assets | 74.3403% | 1,743 |
| Net loans and leases to deposits | 107.3262% | 283 |
| Net loans and leases to core deposits | 125.2612% | 384 |
| Total domestic deposits to total assets | 69.2657% | 5,019 |
| Equity capital to assets | 10.8220% | 3,273 |
| Core capital (leverage) ratio | 9.4020% | 4,273 |
| Tier 1 risk-based capital ratio | 11.8782% | 4,472 |
| Total risk-based capital ratio | 12.9444% | 4,475 |
| Memoranda: | ||
| Average total assets | $1,161,115,750 | 682 |
| Average earning assets | $1,065,887,000 | 683 |
| Average equity | $121,509,000 | 749 |
| Average total loans | $855,641,000 | 678 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,983 |
| Cost of funding earning assets | 0.8713% | 2,292 |
| Net interest margin | 3.9533% | 2,085 |
| Noninterest income to average assets | 3.5519% | 126 |
| Noninterest expense to average assets | 5.1128% | 206 |
| Loan and lease loss provision to assets | 0.1186% | 1,576 |
| Net operating income to assets | 1.6114% | 881 |
| Return on assets (ROA) | 1.5506% | 1,052 |
| Pretax return on assets | 1.8947% | 848 |
| Return on Equity (ROE) | 14.9994% | 758 |
| Retained earnings to average equity (ytd only) | 14.9994% | 171 |
| Net charge-offs to loans | 0.1631% | 981 |
| Credit loss provision to net charge-offs | 99.4126% | 2,012 |
| Earnings coverage of net charge-offs (x) | 17.3994% | 1,895 |
| Efficiency ratio | 70.8047% | 2,096 |
| Assets per employee ($millions) | 3.0071% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,263 |
| Loan loss allowance to noncurrent loans | 191.9744% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 2,328 |
| Noncurrent loans to loans | 0.5548% | 2,609 |
| Net loans and leases to total assets | 72.8015% | 2,097 |
| Net loans and leases to deposits | 99.4468% | 714 |
| Net loans and leases to core deposits | 123.3394% | 445 |
| Total domestic deposits to total assets | 73.2065% | 4,886 |
| Equity capital to assets | 10.2383% | 3,761 |
| Core capital (leverage) ratio | 9.2667% | 4,389 |
| Tier 1 risk-based capital ratio | 11.6422% | 4,613 |
| Total risk-based capital ratio | 12.6911% | 4,604 |
| Memoranda: | ||
| Average total assets | $1,141,634,330 | 691 |
| Average earning assets | $1,050,214,000 | 691 |
| Average equity | $118,018,330 | 760 |
| Average total loans | $835,300,000 | 686 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,706 |
| Cost of funding earning assets | 0.8426% | 2,314 |
| Net interest margin | 4.0236% | 1,783 |
| Noninterest income to average assets | 2.5801% | 182 |
| Noninterest expense to average assets | 4.6871% | 257 |
| Loan and lease loss provision to assets | 0.1234% | 1,421 |
| Net operating income to assets | 1.1779% | 2,134 |
| Return on assets (ROA) | 1.2757% | 1,838 |
| Pretax return on assets | 1.5665% | 1,555 |
| Return on Equity (ROE) | 12.2743% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.2743% | 563 |
| Net charge-offs to loans | 0.0125% | 2,248 |
| Credit loss provision to net charge-offs | 1,356.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 174.9600% | 438 |
| Efficiency ratio | 74.1986% | 1,735 |
| Assets per employee ($millions) | 2.9411% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,526 |
| Loan loss allowance to noncurrent loans | 188.9312% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 2,175 |
| Noncurrent loans to loans | 0.6401% | 2,412 |
| Net loans and leases to total assets | 72.0398% | 2,157 |
| Net loans and leases to deposits | 97.1957% | 870 |
| Net loans and leases to core deposits | 117.0185% | 613 |
| Total domestic deposits to total assets | 74.1183% | 4,924 |
| Equity capital to assets | 10.4872% | 3,354 |
| Core capital (leverage) ratio | 9.3101% | 4,352 |
| Tier 1 risk-based capital ratio | 11.7970% | 4,567 |
| Total risk-based capital ratio | 12.9512% | 4,517 |
| Memoranda: | ||
| Average total assets | $1,099,012,000 | 723 |
| Average earning assets | $1,010,241,000 | 720 |
| Average equity | $114,222,000 | 782 |
| Average total loans | $801,549,000 | 717 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 1,613 |
| Cost of funding earning assets | 0.7322% | 1,885 |
| Net interest margin | 4.0350% | 1,868 |
| Noninterest income to average assets | 1.6009% | 371 |
| Noninterest expense to average assets | 3.7490% | 729 |
| Loan and lease loss provision to assets | 0.1190% | 1,854 |
| Net operating income to assets | 1.1736% | 2,300 |
| Return on assets (ROA) | 1.0239% | 2,900 |
| Pretax return on assets | 1.2996% | 2,503 |
| Return on Equity (ROE) | 10.4914% | 2,293 |
| Retained earnings to average equity (ytd only) | 1.2396% | 4,634 |
| Net charge-offs to loans | 0.0134% | 3,229 |
| Credit loss provision to net charge-offs | 1,243.2990% | 322 |
| Earnings coverage of net charge-offs (x) | 163.8351% | 528 |
| Efficiency ratio | 69.5902% | 2,268 |
| Assets per employee ($millions) | 3.0704% | 4,951 |
| Cash dividends to net income (ytd only)* | 88.1843% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,403 |
| Loan loss allowance to noncurrent loans | 219.8355% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 2,839 |
| Noncurrent loans to loans | 0.5598% | 2,596 |
| Net loans and leases to total assets | 72.0484% | 2,249 |
| Net loans and leases to deposits | 91.4502% | 1,608 |
| Net loans and leases to core deposits | 108.3578% | 1,096 |
| Total domestic deposits to total assets | 78.7843% | 4,355 |
| Equity capital to assets | 10.2943% | 3,381 |
| Core capital (leverage) ratio | 9.2326% | 4,419 |
| Tier 1 risk-based capital ratio | 11.6278% | 4,653 |
| Total risk-based capital ratio | 12.7926% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,013,399,400 | 758 |
| Average earning assets | $933,342,600 | 754 |
| Average equity | $98,899,800 | 861 |
| Average total loans | $724,771,800 | 755 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 1,505 |
| Cost of funding earning assets | 0.7145% | 1,774 |
| Net interest margin | 4.0522% | 1,782 |
| Noninterest income to average assets | 1.3489% | 520 |
| Noninterest expense to average assets | 3.5473% | 919 |
| Loan and lease loss provision to assets | 0.1189% | 1,706 |
| Net operating income to assets | 1.1361% | 2,508 |
| Return on assets (ROA) | 0.9565% | 3,291 |
| Pretax return on assets | 1.2361% | 2,866 |
| Return on Equity (ROE) | 9.9511% | 2,643 |
| Retained earnings to average equity (ytd only) | -2.7551% | 5,241 |
| Net charge-offs to loans | 0.0148% | 2,890 |
| Credit loss provision to net charge-offs | 1,127.8481% | 372 |
| Earnings coverage of net charge-offs (x) | 145.5073% | 562 |
| Efficiency ratio | 68.8416% | 2,380 |
| Assets per employee ($millions) | 2.4714% | 5,293 |
| Cash dividends to net income (ytd only)* | 127.6863% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,365 |
| Loan loss allowance to noncurrent loans | 224.4343% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 3,038 |
| Noncurrent loans to loans | 0.5571% | 2,712 |
| Net loans and leases to total assets | 71.4438% | 2,418 |
| Net loans and leases to deposits | 89.4249% | 1,967 |
| Net loans and leases to core deposits | 106.3267% | 1,287 |
| Total domestic deposits to total assets | 79.8925% | 4,145 |
| Equity capital to assets | 10.2575% | 3,396 |
| Core capital (leverage) ratio | 9.0686% | 4,640 |
| Tier 1 risk-based capital ratio | 11.6959% | 4,676 |
| Total risk-based capital ratio | 12.8739% | 4,608 |
| Memoranda: | ||
| Average total assets | $998,844,250 | 762 |
| Average earning assets | $920,127,750 | 761 |
| Average equity | $96,014,000 | 873 |
| Average total loans | $710,516,500 | 771 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 1,367 |
| Cost of funding earning assets | 0.6958% | 1,643 |
| Net interest margin | 4.0595% | 1,672 |
| Noninterest income to average assets | 1.1835% | 683 |
| Noninterest expense to average assets | 3.3133% | 1,287 |
| Loan and lease loss provision to assets | 0.1289% | 1,537 |
| Net operating income to assets | 1.1605% | 2,346 |
| Return on assets (ROA) | 0.9289% | 3,326 |
| Pretax return on assets | 1.1956% | 2,961 |
| Return on Equity (ROE) | 9.8942% | 2,617 |
| Retained earnings to average equity (ytd only) | -9.8296% | 5,413 |
| Net charge-offs to loans | 0.0349% | 2,153 |
| Credit loss provision to net charge-offs | 522.1311% | 685 |
| Earnings coverage of net charge-offs (x) | 63.0246% | 963 |
| Efficiency ratio | 67.0947% | 2,799 |
| Assets per employee ($millions) | 3.9853% | 3,919 |
| Cash dividends to net income (ytd only)* | 199.3464% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,488 |
| Loan loss allowance to noncurrent loans | 265.3145% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 3,410 |
| Noncurrent loans to loans | 0.4672% | 3,035 |
| Net loans and leases to total assets | 69.6726% | 2,632 |
| Net loans and leases to deposits | 85.9090% | 2,324 |
| Net loans and leases to core deposits | 105.5321% | 1,273 |
| Total domestic deposits to total assets | 81.1004% | 3,967 |
| Equity capital to assets | 9.1474% | 4,439 |
| Core capital (leverage) ratio | 7.9122% | 5,373 |
| Tier 1 risk-based capital ratio | 10.3292% | 5,333 |
| Total risk-based capital ratio | 11.4910% | 5,282 |
| Memoranda: | ||
| Average total assets | $988,264,670 | 773 |
| Average earning assets | $897,390,670 | 780 |
| Average equity | $92,781,330 | 899 |
| Average total loans | $698,818,330 | 787 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 1,511 |
| Cost of funding earning assets | 0.6486% | 1,724 |
| Net interest margin | 3.9721% | 1,807 |
| Noninterest income to average assets | 1.0775% | 791 |
| Noninterest expense to average assets | 3.4018% | 1,162 |
| Loan and lease loss provision to assets | 0.1536% | 1,179 |
| Net operating income to assets | 0.9252% | 3,182 |
| Return on assets (ROA) | 0.6867% | 4,152 |
| Pretax return on assets | 0.8912% | 3,876 |
| Return on Equity (ROE) | 7.2159% | 3,696 |
| Retained earnings to average equity (ytd only) | -32.5827% | 5,559 |
| Net charge-offs to loans | 0.0105% | 2,369 |
| Credit loss provision to net charge-offs | 2,061.1111% | 186 |
| Earnings coverage of net charge-offs (x) | 172.2222% | 379 |
| Efficiency ratio | 71.6558% | 2,238 |
| Assets per employee ($millions) | 4.5893% | 3,013 |
| Cash dividends to net income (ytd only)* | 551.5371% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,557 |
| Loan loss allowance to noncurrent loans | 324.4510% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,782 |
| Noncurrent loans to loans | 0.3829% | 3,408 |
| Net loans and leases to total assets | 70.1016% | 2,469 |
| Net loans and leases to deposits | 92.5979% | 1,376 |
| Net loans and leases to core deposits | 106.0354% | 1,234 |
| Total domestic deposits to total assets | 75.7055% | 4,998 |
| Equity capital to assets | 9.1536% | 4,412 |
| Core capital (leverage) ratio | 8.1639% | 5,337 |
| Tier 1 risk-based capital ratio | 9.8529% | 5,527 |
| Total risk-based capital ratio | 10.9789% | 5,513 |
| Memoranda: | ||
| Average total assets | $966,303,000 | 792 |
| Average earning assets | $877,630,000 | 806 |
| Average equity | $91,963,000 | 913 |
| Average total loans | $684,138,500 | 803 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,814 |
| Cost of funding earning assets | 0.6084% | 1,541 |
| Net interest margin | 3.8609% | 2,224 |
| Noninterest income to average assets | 1.1397% | 783 |
| Noninterest expense to average assets | 2.9939% | 2,182 |
| Loan and lease loss provision to assets | 0.1676% | 1,309 |
| Net operating income to assets | 1.1755% | 1,595 |
| Return on assets (ROA) | 1.1682% | 1,652 |
| Pretax return on assets | 1.4811% | 1,714 |
| Return on Equity (ROE) | 11.7034% | 1,288 |
| Retained earnings to average equity (ytd only) | 11.7034% | 197 |
| Net charge-offs to loans | 0.0607% | 2,601 |
| Credit loss provision to net charge-offs | 399.1781% | 762 |
| Earnings coverage of net charge-offs (x) | 39.4192% | 1,274 |
| Efficiency ratio | 63.5446% | 3,673 |
| Assets per employee ($millions) | 4.7083% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,217 |
| Loan loss allowance to noncurrent loans | 296.5505% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,537 |
| Noncurrent loans to loans | 0.4383% | 3,213 |
| Net loans and leases to total assets | 69.6826% | 2,569 |
| Net loans and leases to deposits | 95.3548% | 1,143 |
| Net loans and leases to core deposits | 111.0652% | 946 |
| Total domestic deposits to total assets | 73.0772% | 5,253 |
| Equity capital to assets | 9.9107% | 3,805 |
| Core capital (leverage) ratio | 8.8819% | 4,773 |
| Tier 1 risk-based capital ratio | 11.1400% | 5,068 |
| Total risk-based capital ratio | 12.3254% | 4,989 |
| Memoranda: | ||
| Average total assets | $869,196,400 | 856 |
| Average earning assets | $790,105,200 | 873 |
| Average equity | $86,761,000 | 940 |
| Average total loans | $601,078,000 | 866 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 1,796 |
| Cost of funding earning assets | 0.5898% | 1,607 |
| Net interest margin | 3.8574% | 2,196 |
| Noninterest income to average assets | 1.0606% | 909 |
| Noninterest expense to average assets | 3.0254% | 2,041 |
| Loan and lease loss provision to assets | 0.1552% | 1,331 |
| Net operating income to assets | 1.0679% | 2,243 |
| Return on assets (ROA) | 1.0715% | 2,271 |
| Pretax return on assets | 1.3885% | 2,151 |
| Return on Equity (ROE) | 10.7138% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.7138% | 457 |
| Net charge-offs to loans | 0.0731% | 2,090 |
| Credit loss provision to net charge-offs | 309.0062% | 963 |
| Earnings coverage of net charge-offs (x) | 30.6368% | 1,535 |
| Efficiency ratio | 65.3997% | 3,314 |
| Assets per employee ($millions) | 4.8017% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,335 |
| Loan loss allowance to noncurrent loans | 220.1905% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 3,033 |
| Noncurrent loans to loans | 0.5926% | 2,931 |
| Net loans and leases to total assets | 68.9060% | 2,710 |
| Net loans and leases to deposits | 91.0420% | 1,684 |
| Net loans and leases to core deposits | 110.3077% | 1,005 |
| Total domestic deposits to total assets | 75.6859% | 5,054 |
| Equity capital to assets | 10.0928% | 3,810 |
| Core capital (leverage) ratio | 8.7859% | 4,985 |
| Tier 1 risk-based capital ratio | 11.0502% | 5,215 |
| Total risk-based capital ratio | 12.2171% | 5,154 |
| Memoranda: | ||
| Average total assets | $854,610,250 | 879 |
| Average earning assets | $776,299,000 | 891 |
| Average equity | $85,469,750 | 955 |
| Average total loans | $587,636,000 | 881 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 1,788 |
| Cost of funding earning assets | 0.5652% | 1,680 |
| Net interest margin | 3.8432% | 2,118 |
| Noninterest income to average assets | 0.9514% | 1,131 |
| Noninterest expense to average assets | 2.9638% | 2,218 |
| Loan and lease loss provision to assets | 0.1651% | 1,206 |
| Net operating income to assets | 1.0529% | 2,194 |
| Return on assets (ROA) | 1.0586% | 2,209 |
| Pretax return on assets | 1.3190% | 2,315 |
| Return on Equity (ROE) | 10.6192% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.6192% | 491 |
| Net charge-offs to loans | 0.0416% | 2,364 |
| Credit loss provision to net charge-offs | 580.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 51.9000% | 1,047 |
| Efficiency ratio | 65.8229% | 3,379 |
| Assets per employee ($millions) | 4.6621% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,242 |
| Loan loss allowance to noncurrent loans | 183.9623% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,972 |
| Noncurrent loans to loans | 0.7271% | 2,571 |
| Net loans and leases to total assets | 67.6482% | 2,857 |
| Net loans and leases to deposits | 87.1269% | 2,090 |
| Net loans and leases to core deposits | 106.4564% | 1,193 |
| Total domestic deposits to total assets | 77.6434% | 4,876 |
| Equity capital to assets | 10.0403% | 3,868 |
| Core capital (leverage) ratio | 8.7722% | 4,980 |
| Tier 1 risk-based capital ratio | 11.0056% | 5,248 |
| Total risk-based capital ratio | 12.1947% | 5,182 |
| Memoranda: | ||
| Average total assets | $843,376,000 | 895 |
| Average earning assets | $765,715,000 | 909 |
| Average equity | $84,074,330 | 975 |
| Average total loans | $576,783,670 | 900 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 1,758 |
| Cost of funding earning assets | 0.5492% | 1,721 |
| Net interest margin | 3.8196% | 2,046 |
| Noninterest income to average assets | 0.9151% | 1,196 |
| Noninterest expense to average assets | 2.9437% | 2,319 |
| Loan and lease loss provision to assets | 0.1809% | 959 |
| Net operating income to assets | 1.0126% | 2,253 |
| Return on assets (ROA) | 1.0126% | 2,305 |
| Pretax return on assets | 1.2533% | 2,405 |
| Return on Equity (ROE) | 10.1961% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.1961% | 770 |
| Net charge-offs to loans | 0.0537% | 1,801 |
| Credit loss provision to net charge-offs | 493.4211% | 578 |
| Earnings coverage of net charge-offs (x) | 39.1184% | 1,051 |
| Efficiency ratio | 66.2920% | 3,448 |
| Assets per employee ($millions) | 4.5542% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 2,320 |
| Loan loss allowance to noncurrent loans | 211.4521% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 3,333 |
| Noncurrent loans to loans | 0.6365% | 2,920 |
| Net loans and leases to total assets | 67.5106% | 2,743 |
| Net loans and leases to deposits | 89.1442% | 1,651 |
| Net loans and leases to core deposits | 103.9216% | 1,231 |
| Total domestic deposits to total assets | 75.7319% | 5,259 |
| Equity capital to assets | 9.9859% | 3,772 |
| Core capital (leverage) ratio | 8.7085% | 5,034 |
| Tier 1 risk-based capital ratio | 10.9147% | 5,353 |
| Total risk-based capital ratio | 12.0962% | 5,309 |
| Memoranda: | ||
| Average total assets | $829,162,000 | 915 |
| Average earning assets | $751,693,500 | 925 |
| Average equity | $82,345,500 | 992 |
| Average total loans | $566,298,000 | 911 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,035 |
| Cost of funding earning assets | 0.5876% | 1,434 |
| Net interest margin | 3.7459% | 2,520 |
| Noninterest income to average assets | 0.3986% | 3,895 |
| Noninterest expense to average assets | 2.9109% | 2,637 |
| Loan and lease loss provision to assets | 0.1214% | 2,034 |
| Net operating income to assets | 1.0675% | 2,045 |
| Return on assets (ROA) | 1.0675% | 2,153 |
| Pretax return on assets | 0.7305% | 4,391 |
| Return on Equity (ROE) | 10.3274% | 1,839 |
| Retained earnings to average equity (ytd only) | 7.8368% | 907 |
| Net charge-offs to loans | 0.0330% | 3,366 |
| Credit loss provision to net charge-offs | 561.3095% | 602 |
| Earnings coverage of net charge-offs (x) | 39.3929% | 1,189 |
| Efficiency ratio | 76.1836% | 1,954 |
| Assets per employee ($millions) | 4.5323% | 3,072 |
| Cash dividends to net income (ytd only)* | 24.1167% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,394 |
| Loan loss allowance to noncurrent loans | 179.1164% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 3,019 |
| Noncurrent loans to loans | 0.7408% | 2,676 |
| Net loans and leases to total assets | 67.2564% | 2,891 |
| Net loans and leases to deposits | 87.9466% | 1,933 |
| Net loans and leases to core deposits | 104.0115% | 1,283 |
| Total domestic deposits to total assets | 76.4741% | 5,180 |
| Equity capital to assets | 9.8752% | 3,851 |
| Core capital (leverage) ratio | 8.6828% | 5,094 |
| Tier 1 risk-based capital ratio | 10.8417% | 5,412 |
| Total risk-based capital ratio | 12.0049% | 5,360 |
| Memoranda: | ||
| Average total assets | $776,880,000 | 930 |
| Average earning assets | $697,695,000 | 953 |
| Average equity | $80,300,600 | 984 |
| Average total loans | $509,843,200 | 960 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,052 |
| Cost of funding earning assets | 0.5982% | 1,346 |
| Net interest margin | 3.7372% | 2,566 |
| Noninterest income to average assets | 0.1843% | 5,358 |
| Noninterest expense to average assets | 2.9304% | 2,542 |
| Loan and lease loss provision to assets | 0.1109% | 2,076 |
| Net operating income to assets | 1.0668% | 2,136 |
| Return on assets (ROA) | 1.0668% | 2,242 |
| Pretax return on assets | 0.4900% | 5,144 |
| Return on Equity (ROE) | 10.1991% | 1,975 |
| Retained earnings to average equity (ytd only) | 8.5350% | 968 |
| Net charge-offs to loans | 0.0426% | 2,787 |
| Credit loss provision to net charge-offs | 400.6289% | 839 |
| Earnings coverage of net charge-offs (x) | 21.7112% | 1,808 |
| Efficiency ratio | 81.7133% | 1,227 |
| Assets per employee ($millions) | 4.6166% | 2,898 |
| Cash dividends to net income (ytd only)* | 16.3159% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,392 |
| Loan loss allowance to noncurrent loans | 186.2935% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,274 |
| Noncurrent loans to loans | 0.7297% | 2,850 |
| Net loans and leases to total assets | 65.0865% | 3,259 |
| Net loans and leases to deposits | 88.7398% | 1,924 |
| Net loans and leases to core deposits | 105.8816% | 1,190 |
| Total domestic deposits to total assets | 73.3453% | 5,491 |
| Equity capital to assets | 10.5041% | 3,562 |
| Core capital (leverage) ratio | 8.0903% | 5,643 |
| Tier 1 risk-based capital ratio | 10.1640% | 5,742 |
| Total risk-based capital ratio | 11.3328% | 5,718 |
| Memoranda: | ||
| Average total assets | $766,013,500 | 941 |
| Average earning assets | $686,020,000 | 972 |
| Average equity | $80,123,000 | 993 |
| Average total loans | $497,515,500 | 979 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 2,137 |
| Cost of funding earning assets | 0.6088% | 1,256 |
| Net interest margin | 3.6967% | 2,707 |
| Noninterest income to average assets | -0.4023% | 6,048 |
| Noninterest expense to average assets | 2.8811% | 2,739 |
| Loan and lease loss provision to assets | 0.1131% | 1,986 |
| Net operating income to assets | 0.9441% | 2,650 |
| Return on assets (ROA) | 0.9441% | 2,795 |
| Pretax return on assets | -0.0856% | 5,823 |
| Return on Equity (ROE) | 9.0399% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.7745% | 1,257 |
| Net charge-offs to loans | 0.0422% | 2,618 |
| Credit loss provision to net charge-offs | 415.5340% | 757 |
| Earnings coverage of net charge-offs (x) | 1.0097% | 3,463 |
| Efficiency ratio | 97.4918% | 301 |
| Assets per employee ($millions) | 4.6268% | 2,830 |
| Cash dividends to net income (ytd only)* | 13.9978% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,414 |
| Loan loss allowance to noncurrent loans | 195.3743% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,415 |
| Noncurrent loans to loans | 0.7036% | 2,964 |
| Net loans and leases to total assets | 64.7134% | 3,263 |
| Net loans and leases to deposits | 86.7252% | 2,167 |
| Net loans and leases to core deposits | 103.3016% | 1,378 |
| Total domestic deposits to total assets | 74.6190% | 5,458 |
| Equity capital to assets | 10.5433% | 3,582 |
| Core capital (leverage) ratio | 8.5042% | 5,363 |
| Tier 1 risk-based capital ratio | 10.7592% | 5,545 |
| Total risk-based capital ratio | 11.9316% | 5,508 |
| Memoranda: | ||
| Average total assets | $756,665,000 | 952 |
| Average earning assets | $677,684,000 | 985 |
| Average equity | $79,027,670 | 1,007 |
| Average total loans | $488,705,000 | 997 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 2,255 |
| Cost of funding earning assets | 0.5909% | 1,398 |
| Net interest margin | 3.6736% | 2,786 |
| Noninterest income to average assets | 0.6454% | 2,290 |
| Noninterest expense to average assets | 2.8274% | 2,968 |
| Loan and lease loss provision to assets | 0.0668% | 2,629 |
| Net operating income to assets | 0.8057% | 3,213 |
| Return on assets (ROA) | 0.8057% | 3,331 |
| Pretax return on assets | 1.0328% | 3,348 |
| Return on Equity (ROE) | 7.7523% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.7523% | 1,565 |
| Net charge-offs to loans | 0.0150% | 2,639 |
| Credit loss provision to net charge-offs | 694.4444% | 485 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 490 |
| Efficiency ratio | 70.8299% | 2,982 |
| Assets per employee ($millions) | 4.6529% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,536 |
| Loan loss allowance to noncurrent loans | 163.3043% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 3,194 |
| Noncurrent loans to loans | 0.8426% | 2,740 |
| Net loans and leases to total assets | 63.8026% | 3,269 |
| Net loans and leases to deposits | 84.9283% | 2,202 |
| Net loans and leases to core deposits | 100.6056% | 1,438 |
| Total domestic deposits to total assets | 75.1253% | 5,509 |
| Equity capital to assets | 10.4047% | 3,610 |
| Core capital (leverage) ratio | 8.4953% | 5,396 |
| Tier 1 risk-based capital ratio | 11.1573% | 5,420 |
| Total risk-based capital ratio | 12.3634% | 5,354 |
| Memoranda: | ||
| Average total assets | $748,662,000 | 961 |
| Average earning assets | $668,776,500 | 994 |
| Average equity | $77,809,000 | 1,026 |
| Average total loans | $479,562,000 | 1,010 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,163 |
| Cost of funding earning assets | 0.5609% | 1,669 |
| Net interest margin | 3.7573% | 2,529 |
| Noninterest income to average assets | 0.8033% | 1,777 |
| Noninterest expense to average assets | 2.8304% | 3,102 |
| Loan and lease loss provision to assets | 0.0894% | 2,507 |
| Net operating income to assets | 0.9708% | 2,518 |
| Return on assets (ROA) | 0.9708% | 2,592 |
| Pretax return on assets | 1.2346% | 2,525 |
| Return on Equity (ROE) | 9.3414% | 2,299 |
| Retained earnings to average equity (ytd only) | 4.0615% | 3,120 |
| Net charge-offs to loans | 0.0999% | 2,416 |
| Credit loss provision to net charge-offs | 142.3581% | 1,848 |
| Earnings coverage of net charge-offs (x) | 21.0742% | 1,833 |
| Efficiency ratio | 66.9947% | 3,747 |
| Assets per employee ($millions) | 4.5611% | 2,941 |
| Cash dividends to net income (ytd only)* | 56.5211% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 2,333 |
| Loan loss allowance to noncurrent loans | 137.1028% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 2,806 |
| Noncurrent loans to loans | 1.0344% | 2,265 |
| Net loans and leases to total assets | 62.5030% | 3,487 |
| Net loans and leases to deposits | 83.5107% | 2,418 |
| Net loans and leases to core deposits | 93.6777% | 2,073 |
| Total domestic deposits to total assets | 74.8443% | 5,566 |
| Equity capital to assets | 10.3811% | 3,516 |
| Core capital (leverage) ratio | 8.4367% | 5,487 |
| Tier 1 risk-based capital ratio | 11.1682% | 5,434 |
| Total risk-based capital ratio | 12.3819% | 5,357 |
| Memoranda: | ||
| Average total assets | $729,008,800 | 948 |
| Average earning assets | $650,209,400 | 979 |
| Average equity | $75,759,800 | 1,010 |
| Average total loans | $458,625,800 | 1,005 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,175 |
| Cost of funding earning assets | 0.5601% | 1,713 |
| Net interest margin | 3.7565% | 2,537 |
| Noninterest income to average assets | 0.8376% | 1,660 |
| Noninterest expense to average assets | 2.8177% | 3,111 |
| Loan and lease loss provision to assets | 0.1197% | 1,905 |
| Net operating income to assets | 0.9969% | 2,486 |
| Return on assets (ROA) | 0.9969% | 2,574 |
| Pretax return on assets | 1.2479% | 2,610 |
| Return on Equity (ROE) | 9.5897% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.8243% | 1,321 |
| Net charge-offs to loans | 0.1400% | 1,725 |
| Credit loss provision to net charge-offs | 136.4017% | 1,806 |
| Earnings coverage of net charge-offs (x) | 15.5899% | 2,170 |
| Efficiency ratio | 66.1931% | 3,865 |
| Assets per employee ($millions) | 4.7334% | 2,648 |
| Cash dividends to net income (ytd only)* | 18.4094% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 2,508 |
| Loan loss allowance to noncurrent loans | 153.9749% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 3,270 |
| Noncurrent loans to loans | 0.9217% | 2,674 |
| Net loans and leases to total assets | 61.9132% | 3,621 |
| Net loans and leases to deposits | 83.7105% | 2,441 |
| Net loans and leases to core deposits | 95.9319% | 1,891 |
| Total domestic deposits to total assets | 73.9610% | 5,718 |
| Equity capital to assets | 10.4827% | 3,619 |
| Core capital (leverage) ratio | 8.6701% | 5,388 |
| Tier 1 risk-based capital ratio | 11.8808% | 5,149 |
| Total risk-based capital ratio | 13.1308% | 5,073 |
| Memoranda: | ||
| Average total assets | $726,536,250 | 958 |
| Average earning assets | $647,462,250 | 988 |
| Average equity | $75,523,250 | 1,013 |
| Average total loans | $455,203,000 | 1,017 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,183 |
| Cost of funding earning assets | 0.5585% | 1,750 |
| Net interest margin | 3.7366% | 2,558 |
| Noninterest income to average assets | 0.7861% | 1,841 |
| Noninterest expense to average assets | 2.7312% | 3,486 |
| Loan and lease loss provision to assets | 0.1165% | 1,902 |
| Net operating income to assets | 1.0244% | 2,263 |
| Return on assets (ROA) | 1.0244% | 2,379 |
| Pretax return on assets | 1.2754% | 2,452 |
| Return on Equity (ROE) | 9.8835% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.2072% | 1,616 |
| Net charge-offs to loans | 0.1551% | 1,551 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 14.3371% | 2,064 |
| Efficiency ratio | 65.0834% | 4,177 |
| Assets per employee ($millions) | 4.5877% | 2,844 |
| Cash dividends to net income (ytd only)* | 27.0783% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 2,586 |
| Loan loss allowance to noncurrent loans | 135.1575% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 3,154 |
| Noncurrent loans to loans | 1.0614% | 2,520 |
| Net loans and leases to total assets | 61.8045% | 3,582 |
| Net loans and leases to deposits | 82.1261% | 2,535 |
| Net loans and leases to core deposits | 94.2171% | 1,936 |
| Total domestic deposits to total assets | 75.2555% | 5,678 |
| Equity capital to assets | 10.4037% | 3,558 |
| Core capital (leverage) ratio | 8.5774% | 5,463 |
| Tier 1 risk-based capital ratio | 11.7940% | 5,284 |
| Total risk-based capital ratio | 13.0443% | 5,191 |
| Memoranda: | ||
| Average total assets | $721,003,000 | 967 |
| Average earning assets | $643,908,670 | 996 |
| Average equity | $74,730,670 | 1,030 |
| Average total loans | $451,363,000 | 1,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,056 |
| Cost of funding earning assets | 0.5641% | 1,710 |
| Net interest margin | 3.7478% | 2,439 |
| Noninterest income to average assets | 0.5374% | 3,039 |
| Noninterest expense to average assets | 2.6378% | 3,792 |
| Loan and lease loss provision to assets | 0.1174% | 1,759 |
| Net operating income to assets | 0.8433% | 3,041 |
| Return on assets (ROA) | 0.8433% | 3,170 |
| Pretax return on assets | 1.1270% | 2,963 |
| Return on Equity (ROE) | 8.1516% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.7746% | 4,291 |
| Net charge-offs to loans | 0.1307% | 1,465 |
| Credit loss provision to net charge-offs | 143.5374% | 1,287 |
| Earnings coverage of net charge-offs (x) | 15.2177% | 1,631 |
| Efficiency ratio | 66.7144% | 4,029 |
| Assets per employee ($millions) | 4.7417% | 2,698 |
| Cash dividends to net income (ytd only)* | 65.9631% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 2,731 |
| Loan loss allowance to noncurrent loans | 172.9228% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 3,684 |
| Noncurrent loans to loans | 0.8336% | 3,159 |
| Net loans and leases to total assets | 61.7934% | 3,408 |
| Net loans and leases to deposits | 80.4471% | 2,517 |
| Net loans and leases to core deposits | 94.6866% | 1,717 |
| Total domestic deposits to total assets | 76.8125% | 5,643 |
| Equity capital to assets | 10.4097% | 3,635 |
| Core capital (leverage) ratio | 8.2677% | 5,765 |
| Tier 1 risk-based capital ratio | 12.2888% | 5,048 |
| Total risk-based capital ratio | 13.5401% | 4,965 |
| Memoranda: | ||
| Average total assets | $719,076,000 | 966 |
| Average earning assets | $641,766,000 | 997 |
| Average equity | $74,390,000 | 1,035 |
| Average total loans | $449,787,500 | 1,035 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 2,143 |
| Cost of funding earning assets | 0.5375% | 2,311 |
| Net interest margin | 3.8869% | 2,291 |
| Noninterest income to average assets | 0.6330% | 2,657 |
| Noninterest expense to average assets | 2.6620% | 3,999 |
| Loan and lease loss provision to assets | 0.1643% | 1,599 |
| Net operating income to assets | 0.9396% | 2,677 |
| Return on assets (ROA) | 0.9523% | 2,697 |
| Pretax return on assets | 1.3040% | 2,229 |
| Return on Equity (ROE) | 8.7248% | 2,720 |
| Retained earnings to average equity (ytd only) | -7.6187% | 6,261 |
| Net charge-offs to loans | 0.1543% | 2,495 |
| Credit loss provision to net charge-offs | 171.2798% | 1,420 |
| Earnings coverage of net charge-offs (x) | 15.1295% | 2,104 |
| Efficiency ratio | 63.5301% | 4,663 |
| Assets per employee ($millions) | 4.5406% | 2,970 |
| Cash dividends to net income (ytd only)* | 187.3220% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 2,737 |
| Loan loss allowance to noncurrent loans | 164.1639% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 3,713 |
| Noncurrent loans to loans | 0.8776% | 3,125 |
| Net loans and leases to total assets | 61.5046% | 3,570 |
| Net loans and leases to deposits | 83.0123% | 2,335 |
| Net loans and leases to core deposits | 94.6719% | 1,851 |
| Total domestic deposits to total assets | 74.0909% | 5,943 |
| Equity capital to assets | 10.2804% | 3,752 |
| Core capital (leverage) ratio | 8.2610% | 5,810 |
| Tier 1 risk-based capital ratio | 12.0864% | 5,305 |
| Total risk-based capital ratio | 13.3269% | 5,217 |
| Memoranda: | ||
| Average total assets | $700,740,600 | 956 |
| Average earning assets | $627,366,200 | 978 |
| Average equity | $76,482,800 | 955 |
| Average total loans | $435,575,800 | 1,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,106 |
| Cost of funding earning assets | 0.5315% | 2,454 |
| Net interest margin | 3.9013% | 2,242 |
| Noninterest income to average assets | 0.6558% | 2,546 |
| Noninterest expense to average assets | 2.6669% | 3,955 |
| Loan and lease loss provision to assets | 0.1807% | 1,357 |
| Net operating income to assets | 0.9486% | 2,691 |
| Return on assets (ROA) | 0.9657% | 2,686 |
| Pretax return on assets | 1.3274% | 2,278 |
| Return on Equity (ROE) | 8.7170% | 2,828 |
| Retained earnings to average equity (ytd only) | 0.0778% | 5,773 |
| Net charge-offs to loans | 0.2050% | 1,831 |
| Credit loss provision to net charge-offs | 141.9549% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.6647% | 2,396 |
| Efficiency ratio | 63.0475% | 4,714 |
| Assets per employee ($millions) | 4.4475% | 3,055 |
| Cash dividends to net income (ytd only)* | 99.1080% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 3,081 |
| Loan loss allowance to noncurrent loans | 149.6289% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 3,635 |
| Noncurrent loans to loans | 0.9484% | 3,188 |
| Net loans and leases to total assets | 61.3982% | 3,573 |
| Net loans and leases to deposits | 80.1054% | 2,671 |
| Net loans and leases to core deposits | 91.5309% | 2,073 |
| Total domestic deposits to total assets | 76.6468% | 5,740 |
| Equity capital to assets | 11.1692% | 2,794 |
| Core capital (leverage) ratio | 9.1361% | 4,876 |
| Tier 1 risk-based capital ratio | 13.6190% | 4,464 |
| Total risk-based capital ratio | 14.8703% | 4,403 |
| Memoranda: | ||
| Average total assets | $696,570,750 | 970 |
| Average earning assets | $624,184,000 | 991 |
| Average equity | $77,165,000 | 954 |
| Average total loans | $432,545,750 | 1,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 1,902 |
| Cost of funding earning assets | 0.5353% | 2,488 |
| Net interest margin | 3.9428% | 2,004 |
| Noninterest income to average assets | 0.6597% | 2,485 |
| Noninterest expense to average assets | 2.6933% | 3,892 |
| Loan and lease loss provision to assets | 0.1737% | 1,406 |
| Net operating income to assets | 0.9584% | 2,515 |
| Return on assets (ROA) | 0.9838% | 2,470 |
| Pretax return on assets | 1.3607% | 2,035 |
| Return on Equity (ROE) | 8.9055% | 2,636 |
| Retained earnings to average equity (ytd only) | -4.1563% | 6,186 |
| Net charge-offs to loans | 0.2703% | 1,469 |
| Credit loss provision to net charge-offs | 103.6145% | 1,923 |
| Earnings coverage of net charge-offs (x) | 8.9415% | 2,427 |
| Efficiency ratio | 63.0575% | 4,849 |
| Assets per employee ($millions) | 4.2242% | 3,418 |
| Cash dividends to net income (ytd only)* | 146.6706% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 3,386 |
| Loan loss allowance to noncurrent loans | 125.5395% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 3,603 |
| Noncurrent loans to loans | 1.1102% | 3,003 |
| Net loans and leases to total assets | 60.8249% | 3,592 |
| Net loans and leases to deposits | 79.2522% | 2,620 |
| Net loans and leases to core deposits | 89.1479% | 2,198 |
| Total domestic deposits to total assets | 76.7485% | 5,821 |
| Equity capital to assets | 11.0409% | 2,834 |
| Core capital (leverage) ratio | 9.0211% | 4,990 |
| Tier 1 risk-based capital ratio | 13.6645% | 4,479 |
| Total risk-based capital ratio | 14.9153% | 4,426 |
| Memoranda: | ||
| Average total assets | $693,044,670 | 975 |
| Average earning assets | $620,980,000 | 995 |
| Average equity | $76,559,000 | 957 |
| Average total loans | $429,918,670 | 1,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,762 |
| Cost of funding earning assets | 0.5429% | 2,477 |
| Net interest margin | 3.9724% | 1,849 |
| Noninterest income to average assets | 0.7426% | 1,978 |
| Noninterest expense to average assets | 2.7250% | 3,851 |
| Loan and lease loss provision to assets | 0.1754% | 1,379 |
| Net operating income to assets | 1.0019% | 2,203 |
| Return on assets (ROA) | 1.0019% | 2,262 |
| Pretax return on assets | 1.3996% | 1,749 |
| Return on Equity (ROE) | 9.0674% | 2,430 |
| Retained earnings to average equity (ytd only) | -4.0282% | 6,064 |
| Net charge-offs to loans | 0.1991% | 1,541 |
| Credit loss provision to net charge-offs | 141.5888% | 1,307 |
| Earnings coverage of net charge-offs (x) | 12.7150% | 1,701 |
| Efficiency ratio | 62.2156% | 5,091 |
| Assets per employee ($millions) | 4.1651% | 3,604 |
| Cash dividends to net income (ytd only)* | 144.4252% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,634 |
| Loan loss allowance to noncurrent loans | 119.8576% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 3,646 |
| Noncurrent loans to loans | 1.1631% | 3,106 |
| Net loans and leases to total assets | 61.2555% | 3,351 |
| Net loans and leases to deposits | 80.6732% | 2,207 |
| Net loans and leases to core deposits | 91.5249% | 1,778 |
| Total domestic deposits to total assets | 75.9305% | 6,082 |
| Equity capital to assets | 10.9336% | 2,782 |
| Core capital (leverage) ratio | 9.0821% | 4,890 |
| Tier 1 risk-based capital ratio | 13.8616% | 4,422 |
| Total risk-based capital ratio | 15.1233% | 4,368 |
| Memoranda: | ||
| Average total assets | $691,073,000 | 984 |
| Average earning assets | $618,868,500 | 1,008 |
| Average equity | $76,361,500 | 956 |
| Average total loans | $429,911,000 | 1,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,884 |
| Cost of funding earning assets | 0.6157% | 2,518 |
| Net interest margin | 3.9828% | 2,000 |
| Noninterest income to average assets | 0.6122% | 3,015 |
| Noninterest expense to average assets | 2.7223% | 4,020 |
| Loan and lease loss provision to assets | 0.2597% | 1,376 |
| Net operating income to assets | 0.8742% | 2,910 |
| Return on assets (ROA) | 0.8743% | 2,993 |
| Pretax return on assets | 1.2065% | 2,548 |
| Return on Equity (ROE) | 7.1516% | 3,489 |
| Retained earnings to average equity (ytd only) | -1.5592% | 6,130 |
| Net charge-offs to loans | 0.2126% | 2,760 |
| Credit loss provision to net charge-offs | 195.9816% | 1,170 |
| Earnings coverage of net charge-offs (x) | 11.0643% | 2,281 |
| Efficiency ratio | 63.7476% | 4,947 |
| Assets per employee ($millions) | 4.0619% | 3,732 |
| Cash dividends to net income (ytd only)* | 121.8027% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,636 |
| Loan loss allowance to noncurrent loans | 115.2703% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 3,630 |
| Noncurrent loans to loans | 1.2185% | 3,108 |
| Net loans and leases to total assets | 61.4241% | 3,454 |
| Net loans and leases to deposits | 84.1605% | 1,917 |
| Net loans and leases to core deposits | 90.0902% | 2,010 |
| Total domestic deposits to total assets | 72.9844% | 6,359 |
| Equity capital to assets | 11.1688% | 2,462 |
| Core capital (leverage) ratio | 9.4116% | 4,393 |
| Tier 1 risk-based capital ratio | 14.2485% | 4,118 |
| Total risk-based capital ratio | 15.5107% | 4,052 |
| Memoranda: | ||
| Average total assets | $657,352,400 | 1,015 |
| Average earning assets | $590,232,400 | 1,037 |
| Average equity | $80,359,800 | 891 |
| Average total loans | $409,732,400 | 1,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,752 |
| Cost of funding earning assets | 0.6303% | 2,546 |
| Net interest margin | 4.0174% | 1,891 |
| Noninterest income to average assets | 0.6293% | 2,998 |
| Noninterest expense to average assets | 2.7510% | 3,826 |
| Loan and lease loss provision to assets | 0.2879% | 1,193 |
| Net operating income to assets | 0.8705% | 2,987 |
| Return on assets (ROA) | 0.8705% | 3,100 |
| Pretax return on assets | 1.2031% | 2,683 |
| Return on Equity (ROE) | 6.9633% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.6872% | 4,077 |
| Net charge-offs to loans | 0.3295% | 1,895 |
| Credit loss provision to net charge-offs | 140.1795% | 1,676 |
| Earnings coverage of net charge-offs (x) | 7.2592% | 2,820 |
| Efficiency ratio | 63.6061% | 4,868 |
| Assets per employee ($millions) | 3.8339% | 4,159 |
| Cash dividends to net income (ytd only)* | 47.0477% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,210 |
| Loan loss allowance to noncurrent loans | 61.8011% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 2,702 |
| Noncurrent loans to loans | 2.1628% | 2,046 |
| Net loans and leases to total assets | 62.3541% | 3,295 |
| Net loans and leases to deposits | 85.0849% | 1,734 |
| Net loans and leases to core deposits | 87.9261% | 2,202 |
| Total domestic deposits to total assets | 73.2846% | 6,414 |
| Equity capital to assets | 12.2113% | 1,774 |
| Core capital (leverage) ratio | 10.3597% | 3,157 |
| Tier 1 risk-based capital ratio | 15.7840% | 3,310 |
| Total risk-based capital ratio | 17.0447% | 3,258 |
| Memoranda: | ||
| Average total assets | $651,090,000 | 1,030 |
| Average earning assets | $585,498,500 | 1,052 |
| Average equity | $81,395,750 | 883 |
| Average total loans | $405,883,000 | 1,052 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,610 |
| Cost of funding earning assets | 0.6487% | 2,510 |
| Net interest margin | 4.0364% | 1,744 |
| Noninterest income to average assets | 0.5871% | 3,275 |
| Noninterest expense to average assets | 2.7411% | 3,886 |
| Loan and lease loss provision to assets | 0.3414% | 984 |
| Net operating income to assets | 0.8261% | 3,167 |
| Return on assets (ROA) | 0.8261% | 3,320 |
| Pretax return on assets | 1.1352% | 2,950 |
| Return on Equity (ROE) | 6.5565% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,675 |
| Net charge-offs to loans | 0.4510% | 1,455 |
| Credit loss provision to net charge-offs | 122.0022% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.2761% | 2,928 |
| Efficiency ratio | 63.7346% | 4,907 |
| Assets per employee ($millions) | 3.6794% | 4,443 |
| Cash dividends to net income (ytd only)* | 37.2717% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,506 |
| Loan loss allowance to noncurrent loans | 84.0157% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 3,478 |
| Noncurrent loans to loans | 1.5484% | 2,983 |
| Net loans and leases to total assets | 62.5039% | 3,197 |
| Net loans and leases to deposits | 83.2153% | 1,899 |
| Net loans and leases to core deposits | 85.9637% | 2,336 |
| Total domestic deposits to total assets | 75.1111% | 6,345 |
| Equity capital to assets | 12.3910% | 1,642 |
| Core capital (leverage) ratio | 10.3991% | 2,986 |
| Tier 1 risk-based capital ratio | 15.9470% | 3,224 |
| Total risk-based capital ratio | 17.2074% | 3,161 |
| Memoranda: | ||
| Average total assets | $649,587,000 | 1,035 |
| Average earning assets | $584,276,000 | 1,056 |
| Average equity | $81,842,000 | 876 |
| Average total loans | $403,067,000 | 1,051 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 1,302 |
| Cost of funding earning assets | 0.6829% | 2,365 |
| Net interest margin | 4.1110% | 1,424 |
| Noninterest income to average assets | 0.5687% | 3,315 |
| Noninterest expense to average assets | 2.7833% | 3,755 |
| Loan and lease loss provision to assets | 0.3382% | 989 |
| Net operating income to assets | 0.8349% | 2,983 |
| Return on assets (ROA) | 0.8349% | 3,126 |
| Pretax return on assets | 1.1374% | 2,825 |
| Return on Equity (ROE) | 6.5728% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.5728% | 2,381 |
| Net charge-offs to loans | 0.2963% | 1,783 |
| Credit loss provision to net charge-offs | 185.8108% | 1,162 |
| Earnings coverage of net charge-offs (x) | 8.1081% | 1,980 |
| Efficiency ratio | 64.1114% | 4,995 |
| Assets per employee ($millions) | 3.7025% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,492 |
| Loan loss allowance to noncurrent loans | 70.3341% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 3,306 |
| Noncurrent loans to loans | 1.9120% | 2,720 |
| Net loans and leases to total assets | 60.6681% | 3,317 |
| Net loans and leases to deposits | 79.6652% | 2,124 |
| Net loans and leases to core deposits | 83.2933% | 2,424 |
| Total domestic deposits to total assets | 76.1538% | 6,350 |
| Equity capital to assets | 12.7602% | 1,555 |
| Core capital (leverage) ratio | 10.3329% | 2,992 |
| Tier 1 risk-based capital ratio | 16.2163% | 3,147 |
| Total risk-based capital ratio | 17.4758% | 3,093 |
| Memoranda: | ||
| Average total assets | $650,597,500 | 1,045 |
| Average earning assets | $583,987,500 | 1,062 |
| Average equity | $82,643,000 | 880 |
| Average total loans | $399,556,000 | 1,061 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 1,662 |
| Cost of funding earning assets | 0.8508% | 2,283 |
| Net interest margin | 4.1082% | 1,970 |
| Noninterest income to average assets | 0.6103% | 3,225 |
| Noninterest expense to average assets | 2.8183% | 3,954 |
| Loan and lease loss provision to assets | 0.2821% | 2,396 |
| Net operating income to assets | 0.8973% | 2,830 |
| Return on assets (ROA) | 0.9010% | 3,051 |
| Pretax return on assets | 1.2172% | 2,735 |
| Return on Equity (ROE) | 6.9459% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.9459% | 1,596 |
| Net charge-offs to loans | 0.3278% | 3,006 |
| Credit loss provision to net charge-offs | 135.0081% | 2,067 |
| Earnings coverage of net charge-offs (x) | 7.1507% | 2,665 |
| Efficiency ratio | 64.0986% | 4,864 |
| Assets per employee ($millions) | 3.7986% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,694 |
| Loan loss allowance to noncurrent loans | 81.4691% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 3,643 |
| Noncurrent loans to loans | 1.5821% | 3,248 |
| Net loans and leases to total assets | 60.5415% | 3,507 |
| Net loans and leases to deposits | 79.7394% | 2,323 |
| Net loans and leases to core deposits | 83.4445% | 2,614 |
| Total domestic deposits to total assets | 75.9242% | 6,362 |
| Equity capital to assets | 12.6448% | 1,616 |
| Core capital (leverage) ratio | 10.1522% | 3,193 |
| Tier 1 risk-based capital ratio | 15.9271% | 3,200 |
| Total risk-based capital ratio | 17.1848% | 3,158 |
| Memoranda: | ||
| Average total assets | $590,542,800 | 1,122 |
| Average earning assets | $532,174,600 | 1,132 |
| Average equity | $76,606,200 | 923 |
| Average total loans | $376,481,600 | 1,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 1,578 |
| Cost of funding earning assets | 0.8813% | 2,304 |
| Net interest margin | 4.1598% | 1,867 |
| Noninterest income to average assets | 0.6164% | 3,181 |
| Noninterest expense to average assets | 2.8827% | 3,667 |
| Loan and lease loss provision to assets | 0.2809% | 2,318 |
| Net operating income to assets | 0.8935% | 3,011 |
| Return on assets (ROA) | 0.8987% | 3,217 |
| Pretax return on assets | 1.2111% | 2,953 |
| Return on Equity (ROE) | 6.8789% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.8789% | 2,189 |
| Net charge-offs to loans | 0.3630% | 2,650 |
| Credit loss provision to net charge-offs | 120.0990% | 2,413 |
| Earnings coverage of net charge-offs (x) | 6.3495% | 2,812 |
| Efficiency ratio | 64.7651% | 4,665 |
| Assets per employee ($millions) | 3.7031% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,079 |
| Loan loss allowance to noncurrent loans | 85.6345% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,025 |
| Noncurrent loans to loans | 1.4517% | 3,627 |
| Net loans and leases to total assets | 61.1894% | 3,534 |
| Net loans and leases to deposits | 78.4246% | 2,605 |
| Net loans and leases to core deposits | 82.3240% | 2,921 |
| Total domestic deposits to total assets | 78.0232% | 6,071 |
| Equity capital to assets | 12.6395% | 1,803 |
| Core capital (leverage) ratio | 10.1168% | 3,383 |
| Tier 1 risk-based capital ratio | 15.8222% | 3,364 |
| Total risk-based capital ratio | 17.0694% | 3,331 |
| Memoranda: | ||
| Average total assets | $575,788,250 | 1,166 |
| Average earning assets | $519,243,500 | 1,181 |
| Average equity | $75,223,750 | 939 |
| Average total loans | $371,004,750 | 1,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 1,669 |
| Cost of funding earning assets | 0.8891% | 2,492 |
| Net interest margin | 4.1584% | 1,871 |
| Noninterest income to average assets | 0.5625% | 3,505 |
| Noninterest expense to average assets | 2.9128% | 3,571 |
| Loan and lease loss provision to assets | 0.2081% | 2,993 |
| Net operating income to assets | 0.9231% | 2,791 |
| Return on assets (ROA) | 0.9280% | 3,035 |
| Pretax return on assets | 1.2326% | 2,793 |
| Return on Equity (ROE) | 7.0158% | 3,768 |
| Retained earnings to average equity (ytd only) | 7.0158% | 2,092 |
| Net charge-offs to loans | 0.2126% | 3,294 |
| Credit loss provision to net charge-offs | 149.7409% | 1,854 |
| Earnings coverage of net charge-offs (x) | 10.3187% | 2,065 |
| Efficiency ratio | 65.7886% | 4,568 |
| Assets per employee ($millions) | 3.8112% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,789 |
| Loan loss allowance to noncurrent loans | 84.4548% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 3,938 |
| Noncurrent loans to loans | 1.5656% | 3,562 |
| Net loans and leases to total assets | 62.6463% | 3,299 |
| Net loans and leases to deposits | 90.3078% | 1,116 |
| Net loans and leases to core deposits | 100.8996% | 1,047 |
| Total domestic deposits to total assets | 69.3698% | 6,939 |
| Equity capital to assets | 12.9469% | 1,546 |
| Core capital (leverage) ratio | 11.0789% | 2,230 |
| Tier 1 risk-based capital ratio | 16.8503% | 2,741 |
| Total risk-based capital ratio | 18.1082% | 2,692 |
| Memoranda: | ||
| Average total assets | $555,404,670 | 1,219 |
| Average earning assets | $505,479,670 | 1,213 |
| Average equity | $73,463,000 | 958 |
| Average total loans | $363,124,670 | 1,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 1,732 |
| Cost of funding earning assets | 0.9145% | 2,574 |
| Net interest margin | 4.1326% | 1,985 |
| Noninterest income to average assets | 0.4387% | 4,387 |
| Noninterest expense to average assets | 2.8275% | 3,914 |
| Loan and lease loss provision to assets | 0.1994% | 2,942 |
| Net operating income to assets | 0.8376% | 3,210 |
| Return on assets (ROA) | 0.8376% | 3,449 |
| Pretax return on assets | 1.1604% | 3,067 |
| Return on Equity (ROE) | 6.2612% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.2612% | 2,814 |
| Net charge-offs to loans | 0.0556% | 3,942 |
| Credit loss provision to net charge-offs | 540.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 36.8200% | 799 |
| Efficiency ratio | 66.2374% | 4,515 |
| Assets per employee ($millions) | 3.5042% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,721 |
| Loan loss allowance to noncurrent loans | 95.7037% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 4,235 |
| Noncurrent loans to loans | 1.4338% | 3,960 |
| Net loans and leases to total assets | 65.1436% | 2,623 |
| Net loans and leases to deposits | 85.9295% | 1,430 |
| Net loans and leases to core deposits | 98.0590% | 1,123 |
| Total domestic deposits to total assets | 75.8105% | 6,569 |
| Equity capital to assets | 13.5011% | 1,237 |
| Core capital (leverage) ratio | 11.6096% | 1,827 |
| Tier 1 risk-based capital ratio | 17.3051% | 2,550 |
| Total risk-based capital ratio | 18.5567% | 2,522 |
| Memoranda: | ||
| Average total assets | $541,547,000 | 1,251 |
| Average earning assets | $491,221,500 | 1,254 |
| Average equity | $72,446,500 | 965 |
| Average total loans | $359,588,000 | 1,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 1,445 |
| Cost of funding earning assets | 1.0894% | 2,742 |
| Net interest margin | 4.2978% | 1,703 |
| Noninterest income to average assets | 0.5081% | 3,789 |
| Noninterest expense to average assets | 2.9167% | 3,894 |
| Loan and lease loss provision to assets | 0.2994% | 3,271 |
| Net operating income to assets | 0.8574% | 2,782 |
| Return on assets (ROA) | 0.8625% | 2,908 |
| Pretax return on assets | 1.2062% | 2,441 |
| Return on Equity (ROE) | 7.6061% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.6061% | 1,223 |
| Net charge-offs to loans | 0.1218% | 5,171 |
| Credit loss provision to net charge-offs | 365.8140% | 634 |
| Earnings coverage of net charge-offs (x) | 18.3116% | 1,226 |
| Efficiency ratio | 64.7931% | 4,988 |
| Assets per employee ($millions) | 3.5290% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,876 |
| Loan loss allowance to noncurrent loans | 73.2897% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.4667% | 3,768 |
| Noncurrent loans to loans | 1.7804% | 3,492 |
| Net loans and leases to total assets | 65.8814% | 2,810 |
| Net loans and leases to deposits | 95.4279% | 712 |
| Net loans and leases to core deposits | 103.5856% | 924 |
| Total domestic deposits to total assets | 69.0379% | 7,029 |
| Equity capital to assets | 13.2536% | 1,380 |
| Core capital (leverage) ratio | 11.4787% | 1,908 |
| Tier 1 risk-based capital ratio | 16.5079% | 2,818 |
| Total risk-based capital ratio | 17.7584% | 2,783 |
| Memoranda: | ||
| Average total assets | $525,448,600 | 1,275 |
| Average earning assets | $477,690,400 | 1,281 |
| Average equity | $59,583,600 | 1,133 |
| Average total loans | $353,104,000 | 1,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4495% | 1,393 |
| Cost of funding earning assets | 1.1132% | 2,889 |
| Net interest margin | 4.3363% | 1,597 |
| Noninterest income to average assets | 0.5251% | 3,697 |
| Noninterest expense to average assets | 2.9146% | 3,868 |
| Loan and lease loss provision to assets | 0.3204% | 2,976 |
| Net operating income to assets | 0.8763% | 2,835 |
| Return on assets (ROA) | 0.8830% | 2,962 |
| Pretax return on assets | 1.2428% | 2,477 |
| Return on Equity (ROE) | 8.1427% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.1427% | 1,452 |
| Net charge-offs to loans | 0.1245% | 4,794 |
| Credit loss provision to net charge-offs | 382.3171% | 741 |
| Earnings coverage of net charge-offs (x) | 18.5397% | 1,300 |
| Efficiency ratio | 63.9696% | 5,076 |
| Assets per employee ($millions) | 3.4857% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 5,249 |
| Loan loss allowance to noncurrent loans | 63.4871% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.5076% | 3,854 |
| Noncurrent loans to loans | 1.9686% | 3,407 |
| Net loans and leases to total assets | 66.0305% | 2,895 |
| Net loans and leases to deposits | 90.1268% | 1,199 |
| Net loans and leases to core deposits | 101.5936% | 1,114 |
| Total domestic deposits to total assets | 73.2640% | 6,830 |
| Equity capital to assets | 13.1891% | 1,523 |
| Core capital (leverage) ratio | 11.3450% | 2,132 |
| Tier 1 risk-based capital ratio | 16.2900% | 2,974 |
| Total risk-based capital ratio | 17.5213% | 2,947 |
| Memoranda: | ||
| Average total assets | $521,826,500 | 1,286 |
| Average earning assets | $474,530,250 | 1,296 |
| Average equity | $56,589,250 | 1,199 |
| Average total loans | $351,274,750 | 1,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 1,351 |
| Cost of funding earning assets | 1.1276% | 3,051 |
| Net interest margin | 4.3487% | 1,515 |
| Noninterest income to average assets | 0.5298% | 3,627 |
| Noninterest expense to average assets | 2.8926% | 4,049 |
| Loan and lease loss provision to assets | 0.2794% | 3,144 |
| Net operating income to assets | 0.9361% | 2,492 |
| Return on assets (ROA) | 0.9361% | 2,591 |
| Pretax return on assets | 1.3304% | 2,039 |
| Return on Equity (ROE) | 9.3303% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.3303% | 1,004 |
| Net charge-offs to loans | 0.0447% | 5,230 |
| Credit loss provision to net charge-offs | 925.6410% | 348 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 592 |
| Efficiency ratio | 62.9824% | 5,407 |
| Assets per employee ($millions) | 3.3767% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,638 |
| Loan loss allowance to noncurrent loans | 55.7190% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 3,756 |
| Noncurrent loans to loans | 2.1138% | 3,336 |
| Net loans and leases to total assets | 67.3963% | 2,737 |
| Net loans and leases to deposits | 92.5509% | 993 |
| Net loans and leases to core deposits | 102.7827% | 1,134 |
| Total domestic deposits to total assets | 72.8209% | 6,942 |
| Equity capital to assets | 10.2821% | 3,773 |
| Core capital (leverage) ratio | 8.3595% | 5,770 |
| Tier 1 risk-based capital ratio | 11.8439% | 5,903 |
| Total risk-based capital ratio | 13.0063% | 5,967 |
| Memoranda: | ||
| Average total assets | $516,833,670 | 1,302 |
| Average earning assets | $472,136,670 | 1,305 |
| Average equity | $51,852,330 | 1,296 |
| Average total loans | $348,719,330 | 1,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 1,456 |
| Cost of funding earning assets | 1.1408% | 3,224 |
| Net interest margin | 4.2967% | 1,572 |
| Noninterest income to average assets | 0.4767% | 4,074 |
| Noninterest expense to average assets | 2.8998% | 4,057 |
| Loan and lease loss provision to assets | 0.2235% | 3,424 |
| Net operating income to assets | 0.8903% | 2,613 |
| Return on assets (ROA) | 0.8903% | 2,676 |
| Pretax return on assets | 1.2727% | 2,128 |
| Return on Equity (ROE) | 8.9874% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.9874% | 1,382 |
| Net charge-offs to loans | 0.0708% | 4,224 |
| Credit loss provision to net charge-offs | 470.4918% | 754 |
| Earnings coverage of net charge-offs (x) | 31.4918% | 808 |
| Efficiency ratio | 64.6527% | 5,250 |
| Assets per employee ($millions) | 3.3930% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 6,055 |
| Loan loss allowance to noncurrent loans | 61.6914% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 4,075 |
| Noncurrent loans to loans | 1.7789% | 3,851 |
| Net loans and leases to total assets | 66.5976% | 2,861 |
| Net loans and leases to deposits | 91.7782% | 1,043 |
| Net loans and leases to core deposits | 101.6250% | 1,223 |
| Total domestic deposits to total assets | 72.5636% | 7,032 |
| Equity capital to assets | 10.1162% | 3,633 |
| Core capital (leverage) ratio | 8.2639% | 5,877 |
| Tier 1 risk-based capital ratio | 11.9415% | 5,745 |
| Total risk-based capital ratio | 13.0313% | 5,881 |
| Memoranda: | ||
| Average total assets | $513,559,000 | 1,315 |
| Average earning assets | $468,457,000 | 1,319 |
| Average equity | $50,871,000 | 1,311 |
| Average total loans | $344,606,500 | 1,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 1,593 |
| Cost of funding earning assets | 1.2931% | 3,926 |
| Net interest margin | 4.3999% | 1,473 |
| Noninterest income to average assets | 0.6229% | 3,326 |
| Noninterest expense to average assets | 3.4319% | 2,350 |
| Loan and lease loss provision to assets | 0.3080% | 4,337 |
| Net operating income to assets | 0.6517% | 3,433 |
| Return on assets (ROA) | 0.6795% | 3,437 |
| Pretax return on assets | 0.9042% | 3,271 |
| Return on Equity (ROE) | 7.0131% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.0131% | 1,315 |
| Net charge-offs to loans | 0.4351% | 3,878 |
| Credit loss provision to net charge-offs | 101.1126% | 4,490 |
| Earnings coverage of net charge-offs (x) | 3.8573% | 3,160 |
| Efficiency ratio | 73.2246% | 3,549 |
| Assets per employee ($millions) | 3.9295% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 6,222 |
| Loan loss allowance to noncurrent loans | 68.8661% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 4,313 |
| Noncurrent loans to loans | 1.5014% | 4,224 |
| Net loans and leases to total assets | 66.1765% | 3,433 |
| Net loans and leases to deposits | 90.2790% | 1,484 |
| Net loans and leases to core deposits | 100.6652% | 1,561 |
| Total domestic deposits to total assets | 73.3022% | 6,971 |
| Equity capital to assets | 9.6960% | 4,143 |
| Core capital (leverage) ratio | 7.9723% | 6,240 |
| Tier 1 risk-based capital ratio | 11.7597% | 5,683 |
| Total risk-based capital ratio | 12.7990% | 5,872 |
| Memoranda: | ||
| Average total assets | $501,563,800 | 1,336 |
| Average earning assets | $454,170,600 | 1,346 |
| Average equity | $48,595,000 | 1,373 |
| Average total loans | $351,222,000 | 1,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 1,587 |
| Cost of funding earning assets | 1.3161% | 4,128 |
| Net interest margin | 4.4208% | 1,461 |
| Noninterest income to average assets | 0.6267% | 3,276 |
| Noninterest expense to average assets | 3.6101% | 1,769 |
| Loan and lease loss provision to assets | 0.3192% | 4,036 |
| Net operating income to assets | 0.5490% | 4,094 |
| Return on assets (ROA) | 0.5740% | 4,153 |
| Pretax return on assets | 0.7289% | 4,146 |
| Return on Equity (ROE) | 5.9254% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.9254% | 2,402 |
| Net charge-offs to loans | 0.4895% | 3,316 |
| Credit loss provision to net charge-offs | 92.0525% | 4,690 |
| Earnings coverage of net charge-offs (x) | 2.9313% | 3,668 |
| Efficiency ratio | 76.7553% | 2,806 |
| Assets per employee ($millions) | 3.9084% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,405 |
| Loan loss allowance to noncurrent loans | 68.3549% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 4,619 |
| Noncurrent loans to loans | 1.4596% | 4,434 |
| Net loans and leases to total assets | 68.0019% | 3,215 |
| Net loans and leases to deposits | 93.3058% | 1,278 |
| Net loans and leases to core deposits | 102.0211% | 1,652 |
| Total domestic deposits to total assets | 72.8807% | 7,043 |
| Equity capital to assets | 9.8952% | 4,295 |
| Core capital (leverage) ratio | 7.8371% | 6,537 |
| Tier 1 risk-based capital ratio | 11.7247% | 5,710 |
| Total risk-based capital ratio | 12.7734% | 5,897 |
| Memoranda: | ||
| Average total assets | $498,262,500 | 1,361 |
| Average earning assets | $450,827,000 | 1,376 |
| Average equity | $48,265,750 | 1,397 |
| Average total loans | $352,973,750 | 1,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 1,587 |
| Cost of funding earning assets | 1.3330% | 4,308 |
| Net interest margin | 4.4090% | 1,421 |
| Noninterest income to average assets | 0.5742% | 3,513 |
| Noninterest expense to average assets | 3.5080% | 2,009 |
| Loan and lease loss provision to assets | 0.3378% | 3,709 |
| Net operating income to assets | 0.5559% | 4,056 |
| Return on assets (ROA) | 0.5746% | 4,120 |
| Pretax return on assets | 0.7418% | 4,102 |
| Return on Equity (ROE) | 5.9754% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.9754% | 2,339 |
| Net charge-offs to loans | 0.6379% | 2,635 |
| Credit loss provision to net charge-offs | 73.9823% | 4,862 |
| Earnings coverage of net charge-offs (x) | 2.3115% | 3,841 |
| Efficiency ratio | 75.5711% | 3,149 |
| Assets per employee ($millions) | 4.0393% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,673 |
| Loan loss allowance to noncurrent loans | 53.6423% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.4369% | 4,314 |
| Noncurrent loans to loans | 1.7264% | 4,099 |
| Net loans and leases to total assets | 68.7349% | 3,189 |
| Net loans and leases to deposits | 93.4146% | 1,354 |
| Net loans and leases to core deposits | 100.8327% | 1,933 |
| Total domestic deposits to total assets | 73.5804% | 7,031 |
| Equity capital to assets | 9.7230% | 4,376 |
| Core capital (leverage) ratio | 7.7777% | 6,525 |
| Tier 1 risk-based capital ratio | 11.1184% | 6,125 |
| Total risk-based capital ratio | 12.0566% | 6,426 |
| Memoranda: | ||
| Average total assets | $494,984,670 | 1,378 |
| Average earning assets | $447,860,670 | 1,386 |
| Average equity | $47,595,330 | 1,409 |
| Average total loans | $354,299,330 | 1,294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 1,554 |
| Cost of funding earning assets | 1.3599% | 4,423 |
| Net interest margin | 4.4109% | 1,361 |
| Noninterest income to average assets | 0.5178% | 3,915 |
| Noninterest expense to average assets | 3.1900% | 2,910 |
| Loan and lease loss provision to assets | 0.4471% | 2,728 |
| Net operating income to assets | 0.6382% | 3,718 |
| Return on assets (ROA) | 0.6382% | 3,840 |
| Pretax return on assets | 0.8650% | 3,605 |
| Return on Equity (ROE) | 6.6747% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,288 |
| Net charge-offs to loans | 0.8980% | 1,774 |
| Credit loss provision to net charge-offs | 68.4932% | 4,138 |
| Earnings coverage of net charge-offs (x) | 2.0100% | 3,536 |
| Efficiency ratio | 69.5197% | 4,406 |
| Assets per employee ($millions) | 4.0773% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,812 |
| Loan loss allowance to noncurrent loans | 45.0574% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 4,015 |
| Noncurrent loans to loans | 2.0206% | 3,762 |
| Net loans and leases to total assets | 71.8970% | 2,472 |
| Net loans and leases to deposits | 96.4609% | 1,053 |
| Net loans and leases to core deposits | 99.9065% | 2,141 |
| Total domestic deposits to total assets | 74.5349% | 6,977 |
| Equity capital to assets | 9.6847% | 4,248 |
| Core capital (leverage) ratio | 7.7593% | 6,555 |
| Tier 1 risk-based capital ratio | 10.8293% | 6,312 |
| Total risk-based capital ratio | 11.7708% | 6,606 |
| Memoranda: | ||
| Average total assets | $492,040,000 | 1,419 |
| Average earning assets | $444,447,500 | 1,429 |
| Average equity | $47,043,000 | 1,428 |
| Average total loans | $357,702,500 | 1,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 5,273 |
| Cost of funding earning assets | 1.5719% | 5,174 |
| Net interest margin | 3.7109% | 4,088 |
| Noninterest income to average assets | 0.5122% | 4,316 |
| Noninterest expense to average assets | 2.7889% | 5,020 |
| Loan and lease loss provision to assets | 0.3327% | 4,814 |
| Net operating income to assets | 0.5419% | 3,566 |
| Return on assets (ROA) | 0.5681% | 3,530 |
| Pretax return on assets | 0.8116% | 3,201 |
| Return on Equity (ROE) | 4.3925% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.3925% | 2,174 |
| Net charge-offs to loans | 0.3659% | 4,392 |
| Credit loss provision to net charge-offs | 121.4984% | 4,376 |
| Earnings coverage of net charge-offs (x) | 4.0423% | 3,091 |
| Efficiency ratio | 71.0317% | 4,438 |
| Assets per employee ($millions) | 3.9896% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,478 |
| Loan loss allowance to noncurrent loans | 64.5351% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 4,499 |
| Noncurrent loans to loans | 1.5225% | 4,366 |
| Net loans and leases to total assets | 72.1232% | 2,731 |
| Net loans and leases to deposits | 96.6572% | 1,249 |
| Net loans and leases to core deposits | 114.0266% | 2,492 |
| Total domestic deposits to total assets | 74.6175% | 6,928 |
| Equity capital to assets | 9.4363% | 4,505 |
| Core capital (leverage) ratio | 7.6131% | 6,669 |
| Tier 1 risk-based capital ratio | 11.8087% | 5,105 |
| Total risk-based capital ratio | 12.9412% | 5,166 |
| Memoranda: | ||
| Average total assets | $336,374,400 | 2,020 |
| Average earning assets | $306,689,600 | 2,030 |
| Average equity | $43,505,600 | 1,541 |
| Average total loans | $251,698,000 | 1,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 7,240 |
| Cost of funding earning assets | 1.5376% | 5,679 |
| Net interest margin | 3.1913% | 6,053 |
| Noninterest income to average assets | 0.4012% | 5,274 |
| Noninterest expense to average assets | 2.5396% | 5,940 |
| Loan and lease loss provision to assets | 0.3407% | 4,289 |
| Net operating income to assets | 0.3435% | 4,627 |
| Return on assets (ROA) | 0.3864% | 4,555 |
| Pretax return on assets | 0.5073% | 4,501 |
| Return on Equity (ROE) | 2.6881% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.6881% | 3,825 |
| Net charge-offs to loans | 0.4025% | 3,644 |
| Credit loss provision to net charge-offs | 111.9118% | 4,536 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,923 |
| Efficiency ratio | 76.2366% | 3,466 |
| Assets per employee ($millions) | 3.6087% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,577 |
| Loan loss allowance to noncurrent loans | 77.2135% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 4,583 |
| Noncurrent loans to loans | 1.2226% | 4,903 |
| Net loans and leases to total assets | 73.7860% | 2,593 |
| Net loans and leases to deposits | 98.8506% | 1,228 |
| Net loans and leases to core deposits | 116.0667% | 2,616 |
| Total domestic deposits to total assets | 74.6440% | 6,841 |
| Equity capital to assets | 9.3874% | 4,900 |
| Core capital (leverage) ratio | 7.5469% | 6,921 |
| Tier 1 risk-based capital ratio | 11.2541% | 5,685 |
| Total risk-based capital ratio | 12.3240% | 5,835 |
| Memoranda: | ||
| Average total assets | $297,787,250 | 2,242 |
| Average earning assets | $273,406,250 | 2,238 |
| Average equity | $42,805,500 | 1,581 |
| Average total loans | $225,263,250 | 2,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7572% | 3,266 |
| Cost of funding earning assets | 1.9486% | 4,009 |
| Net interest margin | 3.8087% | 3,520 |
| Noninterest income to average assets | 0.4792% | 4,636 |
| Noninterest expense to average assets | 3.1274% | 3,591 |
| Loan and lease loss provision to assets | 0.2877% | 4,273 |
| Net operating income to assets | 0.4657% | 4,235 |
| Return on assets (ROA) | 0.4657% | 4,348 |
| Pretax return on assets | 0.5880% | 4,355 |
| Return on Equity (ROE) | 2.6251% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.6251% | 3,867 |
| Net charge-offs to loans | 0.1965% | 4,304 |
| Credit loss provision to net charge-offs | 191.5730% | 2,386 |
| Earnings coverage of net charge-offs (x) | 5.8315% | 2,749 |
| Efficiency ratio | 78.1243% | 3,326 |
| Assets per employee ($millions) | 3.8351% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,855 |
| Loan loss allowance to noncurrent loans | 90.8986% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 4,520 |
| Noncurrent loans to loans | 0.9669% | 5,287 |
| Net loans and leases to total assets | 72.5096% | 3,086 |
| Net loans and leases to deposits | 97.6602% | 1,575 |
| Net loans and leases to core deposits | 117.7318% | 2,567 |
| Total domestic deposits to total assets | 74.2468% | 6,917 |
| Equity capital to assets | 17.2455% | 628 |
| Core capital (leverage) ratio | 17.0878% | 606 |
| Tier 1 risk-based capital ratio | 28.0188% | 716 |
| Total risk-based capital ratio | 29.0758% | 710 |
| Memoranda: | ||
| Average total assets | $237,062,330 | 2,779 |
| Average earning assets | $219,342,330 | 2,748 |
| Average equity | $42,055,330 | 1,616 |
| Average total loans | $181,177,670 | 2,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 3,794 |
| Cost of funding earning assets | 1.9991% | 4,137 |
| Net interest margin | 3.7030% | 3,877 |
| Noninterest income to average assets | 0.4655% | 4,635 |
| Noninterest expense to average assets | 3.0077% | 3,739 |
| Loan and lease loss provision to assets | 0.1202% | 5,421 |
| Net operating income to assets | 0.5771% | 4,112 |
| Return on assets (ROA) | 0.5771% | 4,310 |
| Pretax return on assets | 0.7644% | 4,210 |
| Return on Equity (ROE) | 3.2062% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.2062% | 4,085 |
| Net charge-offs to loans | -0.0769% | 7,817 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 3,288 |
| Assets per employee ($millions) | 3.5800% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 7,017 |
| Loan loss allowance to noncurrent loans | 78.4830% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1317% | 4,414 |
| Noncurrent loans to loans | 1.0683% | 4,844 |
| Net loans and leases to total assets | 76.1329% | 2,242 |
| Net loans and leases to deposits | 100.7872% | 1,305 |
| Net loans and leases to core deposits | 122.0294% | 2,253 |
| Total domestic deposits to total assets | 75.5382% | 6,594 |
| Equity capital to assets | 17.8056% | 626 |
| Core capital (leverage) ratio | 17.6562% | 591 |
| Tier 1 risk-based capital ratio | 28.3988% | 725 |
| Total risk-based capital ratio | 29.4367% | 727 |
| Memoranda: | ||
| Average total assets | $232,869,000 | 2,843 |
| Average earning assets | $215,500,000 | 2,816 |
| Average equity | $41,918,500 | 1,627 |
| Average total loans | $181,990,500 | 2,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3623% | 3,627 |
| Cost of funding earning assets | 2.8761% | 2,368 |
| Net interest margin | 3.4863% | 5,344 |
| Noninterest income to average assets | 0.5237% | 4,437 |
| Noninterest expense to average assets | 3.2077% | 3,310 |
| Loan and lease loss provision to assets | 0.7046% | 2,091 |
| Net operating income to assets | -0.0547% | 6,447 |
| Return on assets (ROA) | -0.0547% | 6,298 |
| Pretax return on assets | -0.2026% | 6,373 |
| Return on Equity (ROE) | -0.3722% | 6,280 |
| Retained earnings to average equity (ytd only) | -0.3722% | 5,395 |
| Net charge-offs to loans | 0.6678% | 1,851 |
| Credit loss provision to net charge-offs | 131.1111% | 4,060 |
| Earnings coverage of net charge-offs (x) | 0.9342% | 5,667 |
| Efficiency ratio | 86.4661% | 1,807 |
| Assets per employee ($millions) | 3.5301% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 7,191 |
| Loan loss allowance to noncurrent loans | 203.5971% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 5,807 |
| Noncurrent loans to loans | 0.3807% | 6,209 |
| Net loans and leases to total assets | 78.9505% | 1,897 |
| Net loans and leases to deposits | 105.3140% | 1,187 |
| Net loans and leases to core deposits | 124.9579% | 2,254 |
| Total domestic deposits to total assets | 74.9668% | 6,459 |
| Equity capital to assets | 18.2019% | 628 |
| Core capital (leverage) ratio | 18.0387% | 603 |
| Tier 1 risk-based capital ratio | 27.5824% | 788 |
| Total risk-based capital ratio | 28.5279% | 785 |
| Memoranda: | ||
| Average total assets | $217,697,600 | 2,902 |
| Average earning assets | $198,952,600 | 2,905 |
| Average equity | $31,970,000 | 2,114 |
| Average total loans | $175,209,600 | 2,557 |