Home > First Savings Bank > Performance and Condition Ratios
First Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0319% | 17 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 95,320.0000% | 17 |
| Cost of funding earning assets | 65,174.0000% | 2 |
| Net interest margin | 2.0000% | 4,410 |
| Noninterest income to average assets | 0.0002% | 4,533 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.3765% | 1,231 |
| Pretax return on assets | 1.8076% | 880 |
| Return on Equity (ROE) | 9.0800% | 2,737 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0053% | 2,522 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.4259% | 2,759 |
| Efficiency ratio | 1.9605% | 4,576 |
| Assets per employee ($millions) | 0.0451% | 4,566 |
| Cash dividends to net income (ytd only)* | 145.0000% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4,065.0000% | 5 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0009% | 3,800 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 7,976.0000% | 18 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 185,757.0000% | 7 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $19,639,000 | 4,521 |
| Average earning assets | $8,858 | 4,554 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6397% | 72 |
| Cost of funding earning assets | 0.7529% | 3,649 |
| Net interest margin | 8.8869% | 27 |
| Noninterest income to average assets | 2.9000% | 203 |
| Noninterest expense to average assets | 4.7012% | 252 |
| Loan and lease loss provision to assets | 4.7800% | 9 |
| Net operating income to assets | 1.4238% | 1,268 |
| Return on assets (ROA) | 1.4238% | 1,250 |
| Pretax return on assets | 1.8670% | 904 |
| Return on Equity (ROE) | 9.4500% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.8675% | 1,722 |
| Net charge-offs to loans | 5.2218% | 16 |
| Credit loss provision to net charge-offs | 117.2065% | 1,499 |
| Earnings coverage of net charge-offs (x) | 1.6295% | 2,523 |
| Efficiency ratio | 41.1199% | 4,326 |
| Assets per employee ($millions) | 6.4653% | 2,346 |
| Cash dividends to net income (ytd only)* | 6.1627% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8859% | 23 |
| Loan loss allowance to noncurrent loans | 863.2945% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 858 |
| Noncurrent loans to loans | 0.7976% | 1,049 |
| Net loans and leases to total assets | 74.1800% | 1,321 |
| Net loans and leases to deposits | 92.1622% | 1,041 |
| Net loans and leases to core deposits | 99.0569% | 1,376 |
| Total domestic deposits to total assets | 80.4900% | 3,460 |
| Equity capital to assets | 15.1129% | 526 |
| Core capital (leverage) ratio | 15.9155% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8806% | 634 |
| Memoranda: | ||
| Average total assets | $1,367,557,750 | 767 |
| Average earning assets | $1,300,778,250 | 740 |
| Average equity | $206,049,750 | 521 |
| Average total loans | $1,068,873,500 | 693 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4487% | 71 |
| Cost of funding earning assets | 0.6573% | 3,606 |
| Net interest margin | 8.7914% | 30 |
| Noninterest income to average assets | 2.9000% | 178 |
| Noninterest expense to average assets | 4.7516% | 239 |
| Loan and lease loss provision to assets | 4.8600% | 8 |
| Net operating income to assets | 1.2729% | 1,638 |
| Return on assets (ROA) | 1.2729% | 1,627 |
| Pretax return on assets | 1.6563% | 1,306 |
| Return on Equity (ROE) | 8.4600% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.8743% | 2,007 |
| Net charge-offs to loans | 5.2548% | 15 |
| Credit loss provision to net charge-offs | 119.0933% | 1,332 |
| Earnings coverage of net charge-offs (x) | 1.5968% | 2,359 |
| Efficiency ratio | 41.8739% | 4,343 |
| Assets per employee ($millions) | 6.5993% | 2,215 |
| Cash dividends to net income (ytd only)* | 6.8878% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7041% | 34 |
| Loan loss allowance to noncurrent loans | 925.9042% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,047 |
| Noncurrent loans to loans | 0.6161% | 1,213 |
| Net loans and leases to total assets | 74.3000% | 1,250 |
| Net loans and leases to deposits | 91.1640% | 1,091 |
| Net loans and leases to core deposits | 97.3764% | 1,392 |
| Total domestic deposits to total assets | 81.5000% | 3,339 |
| Equity capital to assets | 15.2820% | 495 |
| Core capital (leverage) ratio | 15.8158% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7209% | 659 |
| Memoranda: | ||
| Average total assets | $1,368,686,000 | 753 |
| Average earning assets | $1,302,907,000 | 735 |
| Average equity | $206,011,000 | 512 |
| Average total loans | $1,062,884,667 | 681 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3106% | 34 |
| Cost of funding earning assets | 0.5472% | 3,544 |
| Net interest margin | 8.7634% | 24 |
| Noninterest income to average assets | 2.9100% | 174 |
| Noninterest expense to average assets | 4.8244% | 240 |
| Loan and lease loss provision to assets | 4.8400% | 7 |
| Net operating income to assets | 1.2082% | 1,908 |
| Return on assets (ROA) | 1.2082% | 1,867 |
| Pretax return on assets | 1.5930% | 1,478 |
| Return on Equity (ROE) | 8.0900% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.5010% | 2,362 |
| Net charge-offs to loans | 5.5883% | 15 |
| Credit loss provision to net charge-offs | 112.2631% | 1,057 |
| Earnings coverage of net charge-offs (x) | 1.4924% | 1,967 |
| Efficiency ratio | 42.5737% | 4,365 |
| Assets per employee ($millions) | 6.8786% | 2,058 |
| Cash dividends to net income (ytd only)* | 7.2674% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5007% | 33 |
| Loan loss allowance to noncurrent loans | 759.7440% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 859 |
| Noncurrent loans to loans | 0.7240% | 1,047 |
| Net loans and leases to total assets | 73.3700% | 1,280 |
| Net loans and leases to deposits | 88.2464% | 1,184 |
| Net loans and leases to core deposits | 93.5452% | 1,423 |
| Total domestic deposits to total assets | 83.1400% | 3,269 |
| Equity capital to assets | 15.1463% | 470 |
| Core capital (leverage) ratio | 15.4649% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7334% | 684 |
| Memoranda: | ||
| Average total assets | $1,366,705,500 | 771 |
| Average earning assets | $1,301,269,500 | 750 |
| Average equity | $204,132,500 | 527 |
| Average total loans | $1,053,554,000 | 697 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6647% | 23 |
| Cost of funding earning assets | 0.2064% | 3,703 |
| Net interest margin | 8.4583% | 21 |
| Noninterest income to average assets | 2.8700% | 184 |
| Noninterest expense to average assets | 4.8093% | 235 |
| Loan and lease loss provision to assets | 3.4400% | 10 |
| Net operating income to assets | 2.0186% | 289 |
| Return on assets (ROA) | 2.0186% | 278 |
| Pretax return on assets | 2.6303% | 174 |
| Return on Equity (ROE) | 14.0000% | 1,530 |
| Retained earnings to average equity (ytd only) | 13.9968% | 388 |
| Net charge-offs to loans | 3.9664% | 13 |
| Credit loss provision to net charge-offs | 121.2812% | 1,454 |
| Earnings coverage of net charge-offs (x) | 2.1402% | 2,520 |
| Efficiency ratio | 43.8939% | 4,431 |
| Assets per employee ($millions) | 6.8231% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3694% | 33 |
| Loan loss allowance to noncurrent loans | 703.7208% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 799 |
| Noncurrent loans to loans | 0.7630% | 981 |
| Net loans and leases to total assets | 72.4300% | 1,367 |
| Net loans and leases to deposits | 89.4175% | 1,095 |
| Net loans and leases to core deposits | 91.2046% | 1,444 |
| Total domestic deposits to total assets | 81.0000% | 3,754 |
| Equity capital to assets | 14.7274% | 503 |
| Core capital (leverage) ratio | 15.1884% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6205% | 662 |
| Memoranda: | ||
| Average total assets | $1,344,619,800 | 763 |
| Average earning assets | $1,273,275,200 | 745 |
| Average equity | $193,922,800 | 541 |
| Average total loans | $961,503,000 | 709 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4444% | 22 |
| Cost of funding earning assets | 0.1738% | 3,581 |
| Net interest margin | 8.2706% | 22 |
| Noninterest income to average assets | 2.8500% | 192 |
| Noninterest expense to average assets | 4.7569% | 228 |
| Loan and lease loss provision to assets | 2.9500% | 11 |
| Net operating income to assets | 2.2763% | 198 |
| Return on assets (ROA) | 2.2764% | 194 |
| Pretax return on assets | 2.9627% | 143 |
| Return on Equity (ROE) | 15.8700% | 1,004 |
| Retained earnings to average equity (ytd only) | 15.8703% | 290 |
| Net charge-offs to loans | 3.5173% | 13 |
| Credit loss provision to net charge-offs | 119.4327% | 1,227 |
| Earnings coverage of net charge-offs (x) | 2.3939% | 2,249 |
| Efficiency ratio | 44.2659% | 4,456 |
| Assets per employee ($millions) | 6.6164% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2255% | 36 |
| Loan loss allowance to noncurrent loans | 847.4844% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 1,072 |
| Noncurrent loans to loans | 0.6166% | 1,315 |
| Net loans and leases to total assets | 71.3000% | 1,364 |
| Net loans and leases to deposits | 86.5610% | 1,135 |
| Net loans and leases to core deposits | 87.8986% | 1,419 |
| Total domestic deposits to total assets | 82.3700% | 3,777 |
| Equity capital to assets | 14.4823% | 507 |
| Core capital (leverage) ratio | 15.1023% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7732% | 662 |
| Memoranda: | ||
| Average total assets | $1,337,913,500 | 774 |
| Average earning assets | $1,265,238,500 | 756 |
| Average equity | $191,909,000 | 548 |
| Average total loans | $939,460,000 | 725 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1249% | 23 |
| Cost of funding earning assets | 0.1699% | 3,315 |
| Net interest margin | 7.9550% | 22 |
| Noninterest income to average assets | 2.7732% | 165 |
| Noninterest expense to average assets | 4.5896% | 201 |
| Loan and lease loss provision to assets | 2.4855% | 12 |
| Net operating income to assets | 2.4668% | 116 |
| Return on assets (ROA) | 2.4669% | 112 |
| Pretax return on assets | 3.2043% | 81 |
| Return on Equity (ROE) | 17.2546% | 539 |
| Retained earnings to average equity (ytd only) | 17.2546% | 137 |
| Net charge-offs to loans | 3.3100% | 14 |
| Credit loss provision to net charge-offs | 109.5776% | 1,226 |
| Earnings coverage of net charge-offs (x) | 2.5084% | 2,028 |
| Efficiency ratio | 44.3167% | 4,513 |
| Assets per employee ($millions) | 6.7121% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1846% | 40 |
| Loan loss allowance to noncurrent loans | 1,187.7151% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 1,533 |
| Noncurrent loans to loans | 0.4365% | 1,817 |
| Net loans and leases to total assets | 67.0289% | 1,578 |
| Net loans and leases to deposits | 79.6022% | 1,413 |
| Net loans and leases to core deposits | 81.0665% | 1,653 |
| Total domestic deposits to total assets | 84.2048% | 3,645 |
| Equity capital to assets | 14.0771% | 501 |
| Core capital (leverage) ratio | 14.6814% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2237% | 607 |
| Memoranda: | ||
| Average total assets | $1,333,966,333 | 770 |
| Average earning assets | $1,258,681,333 | 758 |
| Average equity | $190,720,000 | 560 |
| Average total loans | $914,139,333 | 724 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9787% | 25 |
| Cost of funding earning assets | 0.1749% | 3,160 |
| Net interest margin | 7.8037% | 24 |
| Noninterest income to average assets | 2.6923% | 173 |
| Noninterest expense to average assets | 4.4700% | 209 |
| Loan and lease loss provision to assets | 2.2848% | 15 |
| Net operating income to assets | 2.5488% | 116 |
| Return on assets (ROA) | 2.5490% | 113 |
| Pretax return on assets | 3.2879% | 86 |
| Return on Equity (ROE) | 17.6891% | 360 |
| Retained earnings to average equity (ytd only) | 17.6891% | 148 |
| Net charge-offs to loans | 3.2804% | 18 |
| Credit loss provision to net charge-offs | 103.3083% | 992 |
| Earnings coverage of net charge-offs (x) | 2.5196% | 1,703 |
| Efficiency ratio | 44.1685% | 4,545 |
| Assets per employee ($millions) | 6.6704% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3291% | 37 |
| Loan loss allowance to noncurrent loans | 1,054.5237% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 1,513 |
| Noncurrent loans to loans | 0.5054% | 1,764 |
| Net loans and leases to total assets | 63.9277% | 1,629 |
| Net loans and leases to deposits | 75.9626% | 1,451 |
| Net loans and leases to core deposits | 78.0176% | 1,608 |
| Total domestic deposits to total assets | 84.1568% | 3,737 |
| Equity capital to assets | 14.1519% | 504 |
| Core capital (leverage) ratio | 14.4836% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5262% | 599 |
| Memoranda: | ||
| Average total assets | $1,323,031,000 | 783 |
| Average earning assets | $1,246,119,000 | 779 |
| Average equity | $190,648,500 | 574 |
| Average total loans | $891,961,000 | 731 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9862% | 26 |
| Cost of funding earning assets | 0.1963% | 3,506 |
| Net interest margin | 7.7900% | 23 |
| Noninterest income to average assets | 2.8911% | 195 |
| Noninterest expense to average assets | 4.4695% | 219 |
| Loan and lease loss provision to assets | 1.4340% | 16 |
| Net operating income to assets | 3.3427% | 82 |
| Return on assets (ROA) | 3.3427% | 85 |
| Pretax return on assets | 4.3433% | 69 |
| Return on Equity (ROE) | 23.9836% | 143 |
| Retained earnings to average equity (ytd only) | 23.9836% | 29 |
| Net charge-offs to loans | 2.1373% | 19 |
| Credit loss provision to net charge-offs | 98.7418% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.9780% | 2,514 |
| Efficiency ratio | 43.2405% | 4,597 |
| Assets per employee ($millions) | 6.8350% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5196% | 31 |
| Loan loss allowance to noncurrent loans | 1,117.2997% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,430 |
| Noncurrent loans to loans | 0.4940% | 1,893 |
| Net loans and leases to total assets | 63.5907% | 1,752 |
| Net loans and leases to deposits | 76.5376% | 1,527 |
| Net loans and leases to core deposits | 79.0125% | 1,674 |
| Total domestic deposits to total assets | 83.0843% | 3,791 |
| Equity capital to assets | 14.6777% | 543 |
| Core capital (leverage) ratio | 14.8405% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7814% | 573 |
| Memoranda: | ||
| Average total assets | $1,193,062,400 | 830 |
| Average earning assets | $1,126,548,800 | 818 |
| Average equity | $166,280,200 | 653 |
| Average total loans | $810,711,400 | 790 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8991% | 28 |
| Cost of funding earning assets | 0.1995% | 3,610 |
| Net interest margin | 7.6997% | 24 |
| Noninterest income to average assets | 2.9184% | 204 |
| Noninterest expense to average assets | 4.5031% | 214 |
| Loan and lease loss provision to assets | 1.3369% | 16 |
| Net operating income to assets | 3.3560% | 90 |
| Return on assets (ROA) | 3.3560% | 93 |
| Pretax return on assets | 4.3535% | 73 |
| Return on Equity (ROE) | 24.4409% | 191 |
| Retained earnings to average equity (ytd only) | 24.4409% | 57 |
| Net charge-offs to loans | 1.9932% | 24 |
| Credit loss provision to net charge-offs | 98.4432% | 1,616 |
| Earnings coverage of net charge-offs (x) | 4.1902% | 2,279 |
| Efficiency ratio | 43.7872% | 4,597 |
| Assets per employee ($millions) | 6.3183% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7749% | 29 |
| Loan loss allowance to noncurrent loans | 1,356.8859% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 1,762 |
| Noncurrent loans to loans | 0.4256% | 2,288 |
| Net loans and leases to total assets | 63.9346% | 1,785 |
| Net loans and leases to deposits | 76.8580% | 1,591 |
| Net loans and leases to core deposits | 79.1275% | 1,806 |
| Total domestic deposits to total assets | 83.1853% | 3,658 |
| Equity capital to assets | 14.7266% | 591 |
| Core capital (leverage) ratio | 14.5487% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9620% | 604 |
| Memoranda: | ||
| Average total assets | $1,166,667,500 | 856 |
| Average earning assets | $1,102,323,000 | 840 |
| Average equity | $160,197,500 | 684 |
| Average total loans | $794,874,000 | 818 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7130% | 29 |
| Cost of funding earning assets | 0.2044% | 3,703 |
| Net interest margin | 7.5086% | 24 |
| Noninterest income to average assets | 2.9474% | 190 |
| Noninterest expense to average assets | 4.5057% | 220 |
| Loan and lease loss provision to assets | 1.5190% | 16 |
| Net operating income to assets | 3.1148% | 112 |
| Return on assets (ROA) | 3.1148% | 118 |
| Pretax return on assets | 4.0192% | 90 |
| Return on Equity (ROE) | 23.2896% | 247 |
| Retained earnings to average equity (ytd only) | 23.2896% | 88 |
| Net charge-offs to loans | 2.1435% | 32 |
| Credit loss provision to net charge-offs | 103.8581% | 1,339 |
| Earnings coverage of net charge-offs (x) | 3.7867% | 2,058 |
| Efficiency ratio | 44.4568% | 4,592 |
| Assets per employee ($millions) | 6.1641% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9509% | 28 |
| Loan loss allowance to noncurrent loans | 1,453.6949% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 1,910 |
| Noncurrent loans to loans | 0.4094% | 2,453 |
| Net loans and leases to total assets | 65.4885% | 1,754 |
| Net loans and leases to deposits | 78.5713% | 1,570 |
| Net loans and leases to core deposits | 81.1395% | 1,782 |
| Total domestic deposits to total assets | 83.3491% | 3,623 |
| Equity capital to assets | 14.3940% | 638 |
| Core capital (leverage) ratio | 13.8884% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7939% | 630 |
| Memoranda: | ||
| Average total assets | $1,144,864,333 | 866 |
| Average earning assets | $1,082,015,333 | 846 |
| Average equity | $153,115,667 | 708 |
| Average total loans | $781,165,000 | 830 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4863% | 33 |
| Cost of funding earning assets | 0.2065% | 3,856 |
| Net interest margin | 7.2798% | 28 |
| Noninterest income to average assets | 2.6829% | 239 |
| Noninterest expense to average assets | 4.4585% | 216 |
| Loan and lease loss provision to assets | 1.8486% | 13 |
| Net operating income to assets | 2.4667% | 279 |
| Return on assets (ROA) | 2.4667% | 301 |
| Pretax return on assets | 3.2486% | 182 |
| Return on Equity (ROE) | 19.2079% | 602 |
| Retained earnings to average equity (ytd only) | 19.2079% | 304 |
| Net charge-offs to loans | 2.4204% | 30 |
| Credit loss provision to net charge-offs | 113.1453% | 1,065 |
| Earnings coverage of net charge-offs (x) | 3.1197% | 1,780 |
| Efficiency ratio | 46.2280% | 4,454 |
| Assets per employee ($millions) | 6.2089% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3712% | 25 |
| Loan loss allowance to noncurrent loans | 1,193.0221% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,837 |
| Noncurrent loans to loans | 0.5340% | 2,252 |
| Net loans and leases to total assets | 62.7782% | 2,196 |
| Net loans and leases to deposits | 74.8902% | 2,032 |
| Net loans and leases to core deposits | 77.5911% | 2,219 |
| Total domestic deposits to total assets | 83.8269% | 3,491 |
| Equity capital to assets | 13.8261% | 710 |
| Core capital (leverage) ratio | 11.3958% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0239% | 923 |
| Memoranda: | ||
| Average total assets | $1,128,625,000 | 865 |
| Average earning assets | $1,065,522,000 | 850 |
| Average equity | $144,940,000 | 734 |
| Average total loans | $761,842,500 | 839 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9147% | 22 |
| Cost of funding earning assets | 0.3310% | 3,970 |
| Net interest margin | 8.5837% | 18 |
| Noninterest income to average assets | 2.7963% | 215 |
| Noninterest expense to average assets | 4.7757% | 212 |
| Loan and lease loss provision to assets | 2.8654% | 18 |
| Net operating income to assets | 2.4271% | 145 |
| Return on assets (ROA) | 2.4271% | 154 |
| Pretax return on assets | 3.1840% | 110 |
| Return on Equity (ROE) | 16.0620% | 497 |
| Retained earnings to average equity (ytd only) | -8.6335% | 4,894 |
| Net charge-offs to loans | 3.0483% | 28 |
| Credit loss provision to net charge-offs | 124.9358% | 2,600 |
| Earnings coverage of net charge-offs (x) | 2.6376% | 3,146 |
| Efficiency ratio | 43.6682% | 4,797 |
| Assets per employee ($millions) | 6.0250% | 2,318 |
| Cash dividends to net income (ytd only)* | 153.7512% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4316% | 24 |
| Loan loss allowance to noncurrent loans | 1,012.5992% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 1,766 |
| Noncurrent loans to loans | 0.6352% | 2,097 |
| Net loans and leases to total assets | 63.5984% | 2,417 |
| Net loans and leases to deposits | 73.5504% | 2,530 |
| Net loans and leases to core deposits | 76.2624% | 2,713 |
| Total domestic deposits to total assets | 86.4691% | 2,164 |
| Equity capital to assets | 11.8227% | 1,665 |
| Core capital (leverage) ratio | 11.5651% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2977% | 1,000 |
| Memoranda: | ||
| Average total assets | $967,647,600 | 904 |
| Average earning assets | $905,099,800 | 893 |
| Average equity | $146,220,800 | 688 |
| Average total loans | $728,042,800 | 853 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3699% | 19 |
| Cost of funding earning assets | 0.3618% | 3,996 |
| Net interest margin | 9.0081% | 17 |
| Noninterest income to average assets | 2.7938% | 206 |
| Noninterest expense to average assets | 4.9017% | 196 |
| Loan and lease loss provision to assets | 3.0117% | 23 |
| Net operating income to assets | 2.5071% | 141 |
| Return on assets (ROA) | 2.5071% | 148 |
| Pretax return on assets | 3.2827% | 100 |
| Return on Equity (ROE) | 15.5835% | 601 |
| Retained earnings to average equity (ytd only) | 14.7836% | 209 |
| Net charge-offs to loans | 3.3752% | 24 |
| Credit loss provision to net charge-offs | 115.2827% | 2,516 |
| Earnings coverage of net charge-offs (x) | 2.4094% | 2,990 |
| Efficiency ratio | 43.3273% | 4,822 |
| Assets per employee ($millions) | 5.6278% | 2,599 |
| Cash dividends to net income (ytd only)* | 5.1332% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8416% | 31 |
| Loan loss allowance to noncurrent loans | 795.5629% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,549 |
| Noncurrent loans to loans | 0.7343% | 1,973 |
| Net loans and leases to total assets | 72.7498% | 1,548 |
| Net loans and leases to deposits | 88.5584% | 1,423 |
| Net loans and leases to core deposits | 92.5532% | 1,749 |
| Total domestic deposits to total assets | 82.1489% | 3,383 |
| Equity capital to assets | 15.8427% | 489 |
| Core capital (leverage) ratio | 15.2536% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0566% | 511 |
| Memoranda: | ||
| Average total assets | $932,407,750 | 931 |
| Average earning assets | $869,699,250 | 916 |
| Average equity | $150,009,250 | 663 |
| Average total loans | $721,673,750 | 850 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3568% | 21 |
| Cost of funding earning assets | 0.3968% | 4,046 |
| Net interest margin | 8.9601% | 18 |
| Noninterest income to average assets | 2.7745% | 186 |
| Noninterest expense to average assets | 4.9159% | 199 |
| Loan and lease loss provision to assets | 3.3173% | 24 |
| Net operating income to assets | 2.2276% | 215 |
| Return on assets (ROA) | 2.2276% | 238 |
| Pretax return on assets | 2.8906% | 131 |
| Return on Equity (ROE) | 13.7677% | 926 |
| Retained earnings to average equity (ytd only) | 12.9487% | 359 |
| Net charge-offs to loans | 4.1050% | 23 |
| Credit loss provision to net charge-offs | 104.3418% | 2,369 |
| Earnings coverage of net charge-offs (x) | 1.9526% | 2,813 |
| Efficiency ratio | 43.7220% | 4,821 |
| Assets per employee ($millions) | 5.5332% | 2,606 |
| Cash dividends to net income (ytd only)* | 5.9488% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5998% | 29 |
| Loan loss allowance to noncurrent loans | 636.8621% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 1,313 |
| Noncurrent loans to loans | 0.8793% | 1,737 |
| Net loans and leases to total assets | 75.8266% | 1,159 |
| Net loans and leases to deposits | 92.4582% | 1,101 |
| Net loans and leases to core deposits | 96.9121% | 1,509 |
| Total domestic deposits to total assets | 82.0117% | 3,369 |
| Equity capital to assets | 15.8185% | 488 |
| Core capital (leverage) ratio | 15.0824% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3267% | 553 |
| Memoranda: | ||
| Average total assets | $905,544,333 | 937 |
| Average earning assets | $843,833,333 | 925 |
| Average equity | $146,517,000 | 672 |
| Average total loans | $701,340,000 | 854 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6397% | 24 |
| Cost of funding earning assets | 0.4405% | 4,196 |
| Net interest margin | 9.1993% | 22 |
| Noninterest income to average assets | 2.8773% | 162 |
| Noninterest expense to average assets | 4.9780% | 225 |
| Loan and lease loss provision to assets | 3.7371% | 26 |
| Net operating income to assets | 2.0275% | 257 |
| Return on assets (ROA) | 2.0275% | 281 |
| Pretax return on assets | 2.7249% | 120 |
| Return on Equity (ROE) | 12.3780% | 1,017 |
| Retained earnings to average equity (ytd only) | 12.3780% | 386 |
| Net charge-offs to loans | 5.0314% | 22 |
| Credit loss provision to net charge-offs | 97.9139% | 1,868 |
| Earnings coverage of net charge-offs (x) | 1.6931% | 2,353 |
| Efficiency ratio | 43.0383% | 4,910 |
| Assets per employee ($millions) | 5.0497% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4943% | 23 |
| Loan loss allowance to noncurrent loans | 572.3427% | 858 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 1,234 |
| Noncurrent loans to loans | 1.1347% | 1,465 |
| Net loans and leases to total assets | 70.0598% | 2,249 |
| Net loans and leases to deposits | 85.7299% | 2,034 |
| Net loans and leases to core deposits | 90.4425% | 2,304 |
| Total domestic deposits to total assets | 81.7216% | 3,487 |
| Equity capital to assets | 16.4737% | 512 |
| Core capital (leverage) ratio | 15.7825% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0970% | 634 |
| Memoranda: | ||
| Average total assets | $874,163,000 | 941 |
| Average earning assets | $813,674,000 | 927 |
| Average equity | $143,189,500 | 683 |
| Average total loans | $663,115,500 | 869 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9481% | 24 |
| Cost of funding earning assets | 0.4501% | 4,272 |
| Net interest margin | 9.4980% | 20 |
| Noninterest income to average assets | 2.9954% | 152 |
| Noninterest expense to average assets | 5.1824% | 191 |
| Loan and lease loss provision to assets | 3.7758% | 14 |
| Net operating income to assets | 2.1882% | 226 |
| Return on assets (ROA) | 2.2116% | 231 |
| Pretax return on assets | 2.8537% | 114 |
| Return on Equity (ROE) | 14.0427% | 889 |
| Retained earnings to average equity (ytd only) | 3.2785% | 3,370 |
| Net charge-offs to loans | 4.4015% | 17 |
| Credit loss provision to net charge-offs | 111.1024% | 2,253 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 3,470 |
| Efficiency ratio | 43.5444% | 4,993 |
| Assets per employee ($millions) | 4.8585% | 2,764 |
| Cash dividends to net income (ytd only)* | 76.6535% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4275% | 18 |
| Loan loss allowance to noncurrent loans | 582.4040% | 865 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 1,178 |
| Noncurrent loans to loans | 1.1036% | 1,368 |
| Net loans and leases to total assets | 71.8621% | 2,112 |
| Net loans and leases to deposits | 87.6067% | 1,897 |
| Net loans and leases to core deposits | 92.4134% | 2,201 |
| Total domestic deposits to total assets | 82.0280% | 3,505 |
| Equity capital to assets | 16.2857% | 556 |
| Core capital (leverage) ratio | 15.4866% | 592 |
| Tier 1 risk-based capital ratio | 19.6933% | 1,369 |
| Total risk-based capital ratio | 21.0090% | 1,332 |
| Memoranda: | ||
| Average total assets | $825,833,800 | 951 |
| Average earning assets | $764,015,200 | 947 |
| Average equity | $130,060,200 | 706 |
| Average total loans | $637,639,400 | 869 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9563% | 25 |
| Cost of funding earning assets | 0.4460% | 4,344 |
| Net interest margin | 9.5103% | 21 |
| Noninterest income to average assets | 2.9674% | 156 |
| Noninterest expense to average assets | 5.2956% | 175 |
| Loan and lease loss provision to assets | 3.6713% | 16 |
| Net operating income to assets | 2.1729% | 283 |
| Return on assets (ROA) | 2.2045% | 283 |
| Pretax return on assets | 2.8193% | 145 |
| Return on Equity (ROE) | 14.1260% | 955 |
| Retained earnings to average equity (ytd only) | -0.2380% | 4,785 |
| Net charge-offs to loans | 4.3215% | 23 |
| Credit loss provision to net charge-offs | 109.8717% | 2,091 |
| Earnings coverage of net charge-offs (x) | 1.9305% | 3,240 |
| Efficiency ratio | 44.0131% | 5,014 |
| Assets per employee ($millions) | 4.7975% | 2,795 |
| Cash dividends to net income (ytd only)* | 101.6849% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3621% | 20 |
| Loan loss allowance to noncurrent loans | 705.9747% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 1,414 |
| Noncurrent loans to loans | 0.9012% | 1,776 |
| Net loans and leases to total assets | 72.9131% | 2,015 |
| Net loans and leases to deposits | 89.0543% | 1,805 |
| Net loans and leases to core deposits | 94.0991% | 2,169 |
| Total domestic deposits to total assets | 81.8748% | 3,505 |
| Equity capital to assets | 16.2391% | 597 |
| Core capital (leverage) ratio | 15.3886% | 662 |
| Tier 1 risk-based capital ratio | 19.4847% | 1,462 |
| Total risk-based capital ratio | 20.8001% | 1,418 |
| Memoranda: | ||
| Average total assets | $814,873,000 | 960 |
| Average earning assets | $752,201,250 | 957 |
| Average equity | $127,167,000 | 715 |
| Average total loans | $630,075,000 | 878 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9151% | 24 |
| Cost of funding earning assets | 0.4273% | 4,404 |
| Net interest margin | 9.4879% | 20 |
| Noninterest income to average assets | 2.9569% | 157 |
| Noninterest expense to average assets | 5.3349% | 173 |
| Loan and lease loss provision to assets | 3.6102% | 20 |
| Net operating income to assets | 2.1817% | 276 |
| Return on assets (ROA) | 2.2302% | 259 |
| Pretax return on assets | 2.8051% | 157 |
| Return on Equity (ROE) | 14.4965% | 875 |
| Retained earnings to average equity (ytd only) | -7.1425% | 5,123 |
| Net charge-offs to loans | 4.5379% | 21 |
| Credit loss provision to net charge-offs | 103.1443% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.8155% | 2,988 |
| Efficiency ratio | 44.6369% | 5,045 |
| Assets per employee ($millions) | 4.7892% | 2,757 |
| Cash dividends to net income (ytd only)* | 149.2704% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2434% | 19 |
| Loan loss allowance to noncurrent loans | 759.1175% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,554 |
| Noncurrent loans to loans | 0.8224% | 1,947 |
| Net loans and leases to total assets | 71.7191% | 2,250 |
| Net loans and leases to deposits | 86.9908% | 2,128 |
| Net loans and leases to core deposits | 91.5536% | 2,458 |
| Total domestic deposits to total assets | 82.4445% | 3,387 |
| Equity capital to assets | 15.7588% | 660 |
| Core capital (leverage) ratio | 15.1077% | 684 |
| Tier 1 risk-based capital ratio | 18.9930% | 1,560 |
| Total risk-based capital ratio | 20.3063% | 1,504 |
| Memoranda: | ||
| Average total assets | $805,045,670 | 973 |
| Average earning assets | $740,968,000 | 972 |
| Average equity | $123,850,670 | 727 |
| Average total loans | $620,942,000 | 891 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0158% | 24 |
| Cost of funding earning assets | 0.3941% | 4,511 |
| Net interest margin | 9.6216% | 18 |
| Noninterest income to average assets | 2.9304% | 151 |
| Noninterest expense to average assets | 5.3453% | 173 |
| Loan and lease loss provision to assets | 3.7730% | 15 |
| Net operating income to assets | 1.9271% | 436 |
| Return on assets (ROA) | 1.9926% | 404 |
| Pretax return on assets | 2.7019% | 183 |
| Return on Equity (ROE) | 13.1233% | 1,172 |
| Retained earnings to average equity (ytd only) | -29.7721% | 5,303 |
| Net charge-offs to loans | 4.8373% | 19 |
| Credit loss provision to net charge-offs | 100.6789% | 1,564 |
| Earnings coverage of net charge-offs (x) | 1.7056% | 2,567 |
| Efficiency ratio | 44.7826% | 5,080 |
| Assets per employee ($millions) | 4.8333% | 2,742 |
| Cash dividends to net income (ytd only)* | 326.8641% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5829% | 15 |
| Loan loss allowance to noncurrent loans | 743.0196% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 1,485 |
| Noncurrent loans to loans | 0.8860% | 1,882 |
| Net loans and leases to total assets | 71.8038% | 2,200 |
| Net loans and leases to deposits | 86.8663% | 2,017 |
| Net loans and leases to core deposits | 90.8235% | 2,416 |
| Total domestic deposits to total assets | 82.6602% | 3,519 |
| Equity capital to assets | 14.6377% | 839 |
| Core capital (leverage) ratio | 14.0822% | 929 |
| Tier 1 risk-based capital ratio | 17.8439% | 1,834 |
| Total risk-based capital ratio | 19.1614% | 1,778 |
| Memoranda: | ||
| Average total assets | $786,115,500 | 990 |
| Average earning assets | $719,546,000 | 997 |
| Average equity | $119,360,000 | 749 |
| Average total loans | $609,022,500 | 908 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9312% | 21 |
| Cost of funding earning assets | 0.3078% | 4,536 |
| Net interest margin | 9.6235% | 16 |
| Noninterest income to average assets | 3.2870% | 141 |
| Noninterest expense to average assets | 5.1182% | 190 |
| Loan and lease loss provision to assets | 4.3271% | 12 |
| Net operating income to assets | 1.9522% | 391 |
| Return on assets (ROA) | 1.9522% | 392 |
| Pretax return on assets | 2.8169% | 128 |
| Return on Equity (ROE) | 12.4143% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.3845% | 384 |
| Net charge-offs to loans | 5.1831% | 14 |
| Credit loss provision to net charge-offs | 107.9085% | 2,374 |
| Earnings coverage of net charge-offs (x) | 1.7816% | 3,593 |
| Efficiency ratio | 41.6019% | 5,251 |
| Assets per employee ($millions) | 4.8720% | 2,651 |
| Cash dividends to net income (ytd only)* | 8.2953% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5002% | 18 |
| Loan loss allowance to noncurrent loans | 744.5857% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,426 |
| Noncurrent loans to loans | 0.8730% | 1,848 |
| Net loans and leases to total assets | 73.0082% | 2,096 |
| Net loans and leases to deposits | 88.7753% | 1,953 |
| Net loans and leases to core deposits | 92.9059% | 2,327 |
| Total domestic deposits to total assets | 82.2394% | 3,575 |
| Equity capital to assets | 15.7317% | 577 |
| Core capital (leverage) ratio | 15.0649% | 681 |
| Tier 1 risk-based capital ratio | 19.1526% | 1,485 |
| Total risk-based capital ratio | 20.4695% | 1,434 |
| Memoranda: | ||
| Average total assets | $741,021,200 | 1,006 |
| Average earning assets | $691,111,400 | 998 |
| Average equity | $116,527,000 | 741 |
| Average total loans | $573,302,200 | 934 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9437% | 23 |
| Cost of funding earning assets | 0.2983% | 4,534 |
| Net interest margin | 9.6454% | 17 |
| Noninterest income to average assets | 3.3591% | 144 |
| Noninterest expense to average assets | 5.1537% | 185 |
| Loan and lease loss provision to assets | 4.2894% | 12 |
| Net operating income to assets | 1.9870% | 391 |
| Return on assets (ROA) | 1.9870% | 385 |
| Pretax return on assets | 2.9081% | 123 |
| Return on Equity (ROE) | 12.6375% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.5923% | 538 |
| Net charge-offs to loans | 5.2768% | 17 |
| Credit loss provision to net charge-offs | 105.3314% | 2,183 |
| Earnings coverage of net charge-offs (x) | 1.7674% | 3,318 |
| Efficiency ratio | 41.6168% | 5,286 |
| Assets per employee ($millions) | 4.9140% | 2,578 |
| Cash dividends to net income (ytd only)* | 8.2705% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5682% | 19 |
| Loan loss allowance to noncurrent loans | 723.1431% | 787 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 1,398 |
| Noncurrent loans to loans | 0.9083% | 1,886 |
| Net loans and leases to total assets | 75.0927% | 1,795 |
| Net loans and leases to deposits | 92.0026% | 1,626 |
| Net loans and leases to core deposits | 96.8436% | 2,041 |
| Total domestic deposits to total assets | 81.6202% | 3,705 |
| Equity capital to assets | 16.3237% | 484 |
| Core capital (leverage) ratio | 16.1369% | 500 |
| Tier 1 risk-based capital ratio | 20.2616% | 1,286 |
| Total risk-based capital ratio | 21.5802% | 1,252 |
| Memoranda: | ||
| Average total assets | $730,177,000 | 1,016 |
| Average earning assets | $680,725,000 | 1,010 |
| Average equity | $114,809,000 | 742 |
| Average total loans | $563,505,750 | 946 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7609% | 25 |
| Cost of funding earning assets | 0.2857% | 4,530 |
| Net interest margin | 9.4752% | 20 |
| Noninterest income to average assets | 3.3661% | 142 |
| Noninterest expense to average assets | 5.1394% | 197 |
| Loan and lease loss provision to assets | 4.2930% | 12 |
| Net operating income to assets | 1.8201% | 556 |
| Return on assets (ROA) | 1.8201% | 560 |
| Pretax return on assets | 2.7635% | 146 |
| Return on Equity (ROE) | 11.7257% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.6660% | 749 |
| Net charge-offs to loans | 5.8283% | 15 |
| Credit loss provision to net charge-offs | 96.7860% | 2,094 |
| Earnings coverage of net charge-offs (x) | 1.5909% | 3,048 |
| Efficiency ratio | 42.0299% | 5,342 |
| Assets per employee ($millions) | 4.8969% | 2,563 |
| Cash dividends to net income (ytd only)* | 9.0375% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5197% | 21 |
| Loan loss allowance to noncurrent loans | 805.0338% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 1,578 |
| Noncurrent loans to loans | 0.8099% | 2,105 |
| Net loans and leases to total assets | 71.6347% | 2,334 |
| Net loans and leases to deposits | 86.9753% | 2,227 |
| Net loans and leases to core deposits | 91.4610% | 2,443 |
| Total domestic deposits to total assets | 82.3621% | 3,608 |
| Equity capital to assets | 15.6678% | 561 |
| Core capital (leverage) ratio | 15.6562% | 547 |
| Tier 1 risk-based capital ratio | 20.2930% | 1,271 |
| Total risk-based capital ratio | 21.6107% | 1,240 |
| Memoranda: | ||
| Average total assets | $729,505,670 | 1,020 |
| Average earning assets | $679,816,670 | 1,017 |
| Average equity | $113,238,330 | 752 |
| Average total loans | $555,183,000 | 953 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8412% | 23 |
| Cost of funding earning assets | 0.2728% | 4,560 |
| Net interest margin | 9.5684% | 17 |
| Noninterest income to average assets | 3.4096% | 138 |
| Noninterest expense to average assets | 5.1663% | 199 |
| Loan and lease loss provision to assets | 4.3824% | 13 |
| Net operating income to assets | 1.9571% | 411 |
| Return on assets (ROA) | 1.9571% | 411 |
| Pretax return on assets | 2.7880% | 139 |
| Return on Equity (ROE) | 12.6685% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.5964% | 766 |
| Net charge-offs to loans | 6.8155% | 10 |
| Credit loss provision to net charge-offs | 84.7896% | 1,699 |
| Earnings coverage of net charge-offs (x) | 1.3873% | 2,564 |
| Efficiency ratio | 41.7659% | 5,408 |
| Assets per employee ($millions) | 4.9194% | 2,582 |
| Cash dividends to net income (ytd only)* | 8.4626% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6428% | 20 |
| Loan loss allowance to noncurrent loans | 617.9698% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 1,433 |
| Noncurrent loans to loans | 1.0749% | 1,706 |
| Net loans and leases to total assets | 68.6405% | 2,683 |
| Net loans and leases to deposits | 82.9756% | 2,504 |
| Net loans and leases to core deposits | 88.1968% | 2,616 |
| Total domestic deposits to total assets | 82.7238% | 3,751 |
| Equity capital to assets | 15.3178% | 600 |
| Core capital (leverage) ratio | 15.6054% | 544 |
| Tier 1 risk-based capital ratio | 20.5345% | 1,257 |
| Total risk-based capital ratio | 21.8532% | 1,235 |
| Memoranda: | ||
| Average total assets | $724,541,000 | 1,039 |
| Average earning assets | $675,977,000 | 1,030 |
| Average equity | $111,931,000 | 763 |
| Average total loans | $549,457,000 | 965 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0575% | 22 |
| Cost of funding earning assets | 0.2892% | 4,228 |
| Net interest margin | 9.7683% | 16 |
| Noninterest income to average assets | 3.6985% | 140 |
| Noninterest expense to average assets | 5.2444% | 193 |
| Loan and lease loss provision to assets | 4.8904% | 11 |
| Net operating income to assets | 1.1835% | 1,569 |
| Return on assets (ROA) | 1.1852% | 1,585 |
| Pretax return on assets | 2.6576% | 145 |
| Return on Equity (ROE) | 7.7118% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.1565% | 1,018 |
| Net charge-offs to loans | 5.5179% | 12 |
| Credit loss provision to net charge-offs | 117.9828% | 2,216 |
| Earnings coverage of net charge-offs (x) | 1.8203% | 3,848 |
| Efficiency ratio | 40.8960% | 5,512 |
| Assets per employee ($millions) | 4.7097% | 2,851 |
| Cash dividends to net income (ytd only)* | 7.2012% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7337% | 17 |
| Loan loss allowance to noncurrent loans | 367.8351% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 1.7496% | 723 |
| Noncurrent loans to loans | 1.8306% | 872 |
| Net loans and leases to total assets | 72.9647% | 2,099 |
| Net loans and leases to deposits | 88.5796% | 1,948 |
| Net loans and leases to core deposits | 94.0715% | 2,189 |
| Total domestic deposits to total assets | 82.3719% | 3,765 |
| Equity capital to assets | 15.5842% | 573 |
| Core capital (leverage) ratio | 15.4318% | 551 |
| Tier 1 risk-based capital ratio | 19.5727% | 1,401 |
| Total risk-based capital ratio | 20.8927% | 1,361 |
| Memoranda: | ||
| Average total assets | $702,995,400 | 1,038 |
| Average earning assets | $654,269,600 | 1,027 |
| Average equity | $108,041,600 | 758 |
| Average total loans | $528,085,400 | 972 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9812% | 22 |
| Cost of funding earning assets | 0.2935% | 4,195 |
| Net interest margin | 9.6877% | 18 |
| Noninterest income to average assets | 3.7183% | 148 |
| Noninterest expense to average assets | 5.2546% | 196 |
| Loan and lease loss provision to assets | 4.8761% | 15 |
| Net operating income to assets | 1.6120% | 689 |
| Return on assets (ROA) | 1.6143% | 709 |
| Pretax return on assets | 2.6010% | 180 |
| Return on Equity (ROE) | 10.5415% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.1689% | 550 |
| Net charge-offs to loans | 5.5122% | 12 |
| Credit loss provision to net charge-offs | 119.0111% | 2,015 |
| Earnings coverage of net charge-offs (x) | 1.8240% | 3,542 |
| Efficiency ratio | 41.2837% | 5,548 |
| Assets per employee ($millions) | 4.6669% | 2,881 |
| Cash dividends to net income (ytd only)* | 3.5348% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7235% | 16 |
| Loan loss allowance to noncurrent loans | 406.7421% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 1.6225% | 912 |
| Noncurrent loans to loans | 1.6530% | 1,108 |
| Net loans and leases to total assets | 72.4576% | 2,190 |
| Net loans and leases to deposits | 89.5582% | 1,864 |
| Net loans and leases to core deposits | 95.9623% | 2,079 |
| Total domestic deposits to total assets | 80.9056% | 4,076 |
| Equity capital to assets | 16.1043% | 522 |
| Core capital (leverage) ratio | 15.8151% | 519 |
| Tier 1 risk-based capital ratio | 20.3058% | 1,307 |
| Total risk-based capital ratio | 21.6262% | 1,268 |
| Memoranda: | ||
| Average total assets | $700,951,500 | 1,049 |
| Average earning assets | $651,903,750 | 1,037 |
| Average equity | $107,344,500 | 766 |
| Average total loans | $521,014,750 | 988 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8413% | 24 |
| Cost of funding earning assets | 0.2966% | 4,110 |
| Net interest margin | 9.5447% | 20 |
| Noninterest income to average assets | 3.6769% | 159 |
| Noninterest expense to average assets | 5.2478% | 197 |
| Loan and lease loss provision to assets | 4.7976% | 14 |
| Net operating income to assets | 1.5307% | 807 |
| Return on assets (ROA) | 1.5341% | 830 |
| Pretax return on assets | 2.5187% | 207 |
| Return on Equity (ROE) | 10.1911% | 1,953 |
| Retained earnings to average equity (ytd only) | 9.6240% | 666 |
| Net charge-offs to loans | 5.8271% | 15 |
| Credit loss provision to net charge-offs | 112.4383% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.7134% | 3,252 |
| Efficiency ratio | 41.7860% | 5,583 |
| Assets per employee ($millions) | 4.7652% | 2,697 |
| Cash dividends to net income (ytd only)* | 5.5648% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5030% | 21 |
| Loan loss allowance to noncurrent loans | 426.4198% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 1,010 |
| Noncurrent loans to loans | 1.5250% | 1,228 |
| Net loans and leases to total assets | 70.4449% | 2,457 |
| Net loans and leases to deposits | 85.9065% | 2,237 |
| Net loans and leases to core deposits | 91.6346% | 2,367 |
| Total domestic deposits to total assets | 82.0018% | 3,889 |
| Equity capital to assets | 15.6658% | 576 |
| Core capital (leverage) ratio | 15.3734% | 566 |
| Tier 1 risk-based capital ratio | 20.2651% | 1,312 |
| Total risk-based capital ratio | 21.5826% | 1,276 |
| Memoranda: | ||
| Average total assets | $702,812,670 | 1,043 |
| Average earning assets | $653,995,670 | 1,038 |
| Average equity | $105,798,000 | 777 |
| Average total loans | $514,631,330 | 993 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7807% | 23 |
| Cost of funding earning assets | 0.2840% | 4,210 |
| Net interest margin | 9.4967% | 22 |
| Noninterest income to average assets | 3.6316% | 165 |
| Noninterest expense to average assets | 5.2302% | 214 |
| Loan and lease loss provision to assets | 4.7149% | 13 |
| Net operating income to assets | 1.6252% | 643 |
| Return on assets (ROA) | 1.6252% | 660 |
| Pretax return on assets | 2.5290% | 206 |
| Return on Equity (ROE) | 11.0171% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.8655% | 836 |
| Net charge-offs to loans | 6.4340% | 11 |
| Credit loss provision to net charge-offs | 101.5242% | 1,548 |
| Earnings coverage of net charge-offs (x) | 1.5598% | 2,716 |
| Efficiency ratio | 41.9285% | 5,654 |
| Assets per employee ($millions) | 4.9752% | 2,480 |
| Cash dividends to net income (ytd only)* | 10.4530% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3469% | 25 |
| Loan loss allowance to noncurrent loans | 379.0485% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 1,004 |
| Noncurrent loans to loans | 1.6744% | 1,151 |
| Net loans and leases to total assets | 67.5631% | 2,739 |
| Net loans and leases to deposits | 81.9643% | 2,514 |
| Net loans and leases to core deposits | 87.4880% | 2,590 |
| Total domestic deposits to total assets | 82.4299% | 4,047 |
| Equity capital to assets | 14.9363% | 669 |
| Core capital (leverage) ratio | 14.8229% | 640 |
| Tier 1 risk-based capital ratio | 20.2200% | 1,344 |
| Total risk-based capital ratio | 21.5351% | 1,305 |
| Memoranda: | ||
| Average total assets | $706,357,000 | 1,044 |
| Average earning assets | $657,701,500 | 1,035 |
| Average equity | $104,201,500 | 785 |
| Average total loans | $509,852,000 | 999 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1031% | 22 |
| Cost of funding earning assets | 0.2903% | 4,170 |
| Net interest margin | 9.8129% | 19 |
| Noninterest income to average assets | 3.9151% | 148 |
| Noninterest expense to average assets | 5.8470% | 174 |
| Loan and lease loss provision to assets | 4.3011% | 12 |
| Net operating income to assets | 1.8492% | 405 |
| Return on assets (ROA) | 1.8492% | 420 |
| Pretax return on assets | 2.9068% | 119 |
| Return on Equity (ROE) | 11.9548% | 1,257 |
| Retained earnings to average equity (ytd only) | 11.6494% | 245 |
| Net charge-offs to loans | 4.5824% | 14 |
| Credit loss provision to net charge-offs | 125.0973% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.0964% | 3,885 |
| Efficiency ratio | 44.7882% | 5,673 |
| Assets per employee ($millions) | 5.0446% | 2,342 |
| Cash dividends to net income (ytd only)* | 2.5545% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3177% | 19 |
| Loan loss allowance to noncurrent loans | 533.4934% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,485 |
| Noncurrent loans to loans | 1.1842% | 1,733 |
| Net loans and leases to total assets | 67.6565% | 2,830 |
| Net loans and leases to deposits | 81.8187% | 2,690 |
| Net loans and leases to core deposits | 88.1887% | 2,648 |
| Total domestic deposits to total assets | 82.6907% | 3,864 |
| Equity capital to assets | 14.5676% | 715 |
| Core capital (leverage) ratio | 15.9344% | 470 |
| Tier 1 risk-based capital ratio | 19.7164% | 1,435 |
| Total risk-based capital ratio | 21.0309% | 1,386 |
| Memoranda: | ||
| Average total assets | $635,072,800 | 1,113 |
| Average earning assets | $591,509,600 | 1,100 |
| Average equity | $98,236,400 | 803 |
| Average total loans | $476,492,200 | 1,018 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0380% | 21 |
| Cost of funding earning assets | 0.2894% | 4,217 |
| Net interest margin | 9.7486% | 18 |
| Noninterest income to average assets | 3.9586% | 152 |
| Noninterest expense to average assets | 5.9660% | 173 |
| Loan and lease loss provision to assets | 4.1115% | 10 |
| Net operating income to assets | 1.8746% | 427 |
| Return on assets (ROA) | 1.8746% | 444 |
| Pretax return on assets | 2.9602% | 131 |
| Return on Equity (ROE) | 11.9204% | 1,354 |
| Retained earnings to average equity (ytd only) | 11.9204% | 312 |
| Net charge-offs to loans | 4.3117% | 18 |
| Credit loss provision to net charge-offs | 125.7432% | 2,015 |
| Earnings coverage of net charge-offs (x) | 2.1628% | 3,610 |
| Efficiency ratio | 45.7597% | 5,680 |
| Assets per employee ($millions) | 4.6019% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1419% | 26 |
| Loan loss allowance to noncurrent loans | 584.6213% | 929 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 1,417 |
| Noncurrent loans to loans | 1.0506% | 2,140 |
| Net loans and leases to total assets | 73.7296% | 1,914 |
| Net loans and leases to deposits | 93.3330% | 1,338 |
| Net loans and leases to core deposits | 100.1215% | 1,625 |
| Total domestic deposits to total assets | 78.9963% | 4,726 |
| Equity capital to assets | 15.9856% | 557 |
| Core capital (leverage) ratio | 16.9599% | 368 |
| Tier 1 risk-based capital ratio | 19.8368% | 1,476 |
| Total risk-based capital ratio | 21.1492% | 1,427 |
| Memoranda: | ||
| Average total assets | $617,281,000 | 1,140 |
| Average earning assets | $574,892,500 | 1,133 |
| Average equity | $97,075,000 | 817 |
| Average total loans | $468,105,250 | 1,029 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7824% | 21 |
| Cost of funding earning assets | 0.2916% | 4,234 |
| Net interest margin | 9.4908% | 18 |
| Noninterest income to average assets | 3.8639% | 157 |
| Noninterest expense to average assets | 5.9658% | 171 |
| Loan and lease loss provision to assets | 3.7795% | 14 |
| Net operating income to assets | 1.8529% | 438 |
| Return on assets (ROA) | 1.8529% | 460 |
| Pretax return on assets | 2.9577% | 126 |
| Return on Equity (ROE) | 11.8502% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.8502% | 348 |
| Net charge-offs to loans | 4.3128% | 28 |
| Credit loss provision to net charge-offs | 117.0161% | 1,896 |
| Earnings coverage of net charge-offs (x) | 2.0859% | 3,328 |
| Efficiency ratio | 46.9637% | 5,713 |
| Assets per employee ($millions) | 4.4753% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0534% | 27 |
| Loan loss allowance to noncurrent loans | 679.8134% | 817 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 1,723 |
| Noncurrent loans to loans | 0.8905% | 2,507 |
| Net loans and leases to total assets | 70.9111% | 2,338 |
| Net loans and leases to deposits | 88.2660% | 1,956 |
| Net loans and leases to core deposits | 94.6529% | 2,098 |
| Total domestic deposits to total assets | 80.3380% | 4,468 |
| Equity capital to assets | 15.8429% | 572 |
| Core capital (leverage) ratio | 16.7397% | 387 |
| Tier 1 risk-based capital ratio | 20.2963% | 1,386 |
| Total risk-based capital ratio | 21.6071% | 1,354 |
| Memoranda: | ||
| Average total assets | $611,353,000 | 1,161 |
| Average earning assets | $569,370,000 | 1,143 |
| Average equity | $95,593,670 | 830 |
| Average total loans | $457,850,000 | 1,064 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7866% | 22 |
| Cost of funding earning assets | 0.2946% | 4,217 |
| Net interest margin | 9.4920% | 21 |
| Noninterest income to average assets | 3.7459% | 166 |
| Noninterest expense to average assets | 5.9010% | 180 |
| Loan and lease loss provision to assets | 3.3802% | 17 |
| Net operating income to assets | 2.1340% | 259 |
| Return on assets (ROA) | 2.1340% | 272 |
| Pretax return on assets | 3.2904% | 107 |
| Return on Equity (ROE) | 13.7408% | 890 |
| Retained earnings to average equity (ytd only) | 13.7408% | 337 |
| Net charge-offs to loans | 4.4707% | 19 |
| Credit loss provision to net charge-offs | 101.3658% | 1,605 |
| Earnings coverage of net charge-offs (x) | 2.0004% | 2,741 |
| Efficiency ratio | 46.9390% | 5,770 |
| Assets per employee ($millions) | 4.3262% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9689% | 33 |
| Loan loss allowance to noncurrent loans | 606.0579% | 865 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 1,514 |
| Noncurrent loans to loans | 0.9849% | 2,416 |
| Net loans and leases to total assets | 68.7557% | 2,535 |
| Net loans and leases to deposits | 85.8125% | 2,080 |
| Net loans and leases to core deposits | 92.0226% | 2,179 |
| Total domestic deposits to total assets | 80.1233% | 4,724 |
| Equity capital to assets | 15.6010% | 581 |
| Core capital (leverage) ratio | 16.5524% | 413 |
| Tier 1 risk-based capital ratio | 20.4573% | 1,414 |
| Total risk-based capital ratio | 21.7662% | 1,380 |
| Memoranda: | ||
| Average total assets | $605,998,000 | 1,166 |
| Average earning assets | $563,464,500 | 1,151 |
| Average equity | $94,114,000 | 840 |
| Average total loans | $452,007,500 | 1,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7052% | 21 |
| Cost of funding earning assets | 0.2818% | 4,467 |
| Net interest margin | 9.4233% | 19 |
| Noninterest income to average assets | 3.8021% | 165 |
| Noninterest expense to average assets | 5.9372% | 185 |
| Loan and lease loss provision to assets | 3.3996% | 10 |
| Net operating income to assets | 2.1221% | 282 |
| Return on assets (ROA) | 2.1221% | 287 |
| Pretax return on assets | 3.2061% | 106 |
| Return on Equity (ROE) | 13.4186% | 965 |
| Retained earnings to average equity (ytd only) | 13.0724% | 200 |
| Net charge-offs to loans | 4.0718% | 16 |
| Credit loss provision to net charge-offs | 110.2866% | 2,291 |
| Earnings coverage of net charge-offs (x) | 2.1430% | 3,967 |
| Efficiency ratio | 47.3352% | 5,865 |
| Assets per employee ($millions) | 4.2090% | 3,551 |
| Cash dividends to net income (ytd only)* | 2.5806% | 4,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8799% | 35 |
| Loan loss allowance to noncurrent loans | 584.5464% | 938 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 1,423 |
| Noncurrent loans to loans | 1.0059% | 2,330 |
| Net loans and leases to total assets | 71.6240% | 2,122 |
| Net loans and leases to deposits | 89.4027% | 1,699 |
| Net loans and leases to core deposits | 95.6841% | 1,879 |
| Total domestic deposits to total assets | 80.1139% | 4,716 |
| Equity capital to assets | 15.4579% | 605 |
| Core capital (leverage) ratio | 16.9178% | 373 |
| Tier 1 risk-based capital ratio | 19.4594% | 1,594 |
| Total risk-based capital ratio | 20.7674% | 1,550 |
| Memoranda: | ||
| Average total assets | $547,804,400 | 1,241 |
| Average earning assets | $508,121,000 | 1,228 |
| Average equity | $86,633,200 | 880 |
| Average total loans | $414,702,600 | 1,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5912% | 22 |
| Cost of funding earning assets | 0.2887% | 4,462 |
| Net interest margin | 9.3025% | 20 |
| Noninterest income to average assets | 3.7837% | 168 |
| Noninterest expense to average assets | 5.9074% | 183 |
| Loan and lease loss provision to assets | 3.1506% | 12 |
| Net operating income to assets | 2.2258% | 244 |
| Return on assets (ROA) | 2.2258% | 257 |
| Pretax return on assets | 3.3513% | 99 |
| Return on Equity (ROE) | 13.9865% | 910 |
| Retained earnings to average equity (ytd only) | 13.5170% | 236 |
| Net charge-offs to loans | 3.9751% | 19 |
| Credit loss provision to net charge-offs | 104.8487% | 2,188 |
| Earnings coverage of net charge-offs (x) | 2.1638% | 3,718 |
| Efficiency ratio | 47.6046% | 5,890 |
| Assets per employee ($millions) | 3.9974% | 3,881 |
| Cash dividends to net income (ytd only)* | 3.3568% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8738% | 40 |
| Loan loss allowance to noncurrent loans | 470.7689% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 1,401 |
| Noncurrent loans to loans | 1.2477% | 2,038 |
| Net loans and leases to total assets | 74.3392% | 1,671 |
| Net loans and leases to deposits | 93.8048% | 1,224 |
| Net loans and leases to core deposits | 99.2942% | 1,574 |
| Total domestic deposits to total assets | 79.2489% | 4,920 |
| Equity capital to assets | 16.2530% | 526 |
| Core capital (leverage) ratio | 17.4250% | 341 |
| Tier 1 risk-based capital ratio | 20.0157% | 1,545 |
| Total risk-based capital ratio | 21.3250% | 1,494 |
| Memoranda: | ||
| Average total assets | $535,336,750 | 1,273 |
| Average earning assets | $496,385,750 | 1,269 |
| Average equity | $85,194,500 | 901 |
| Average total loans | $404,672,750 | 1,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3402% | 26 |
| Cost of funding earning assets | 0.2971% | 4,427 |
| Net interest margin | 9.0430% | 22 |
| Noninterest income to average assets | 3.6067% | 176 |
| Noninterest expense to average assets | 5.8415% | 189 |
| Loan and lease loss provision to assets | 2.9730% | 15 |
| Net operating income to assets | 2.1340% | 292 |
| Return on assets (ROA) | 2.1340% | 308 |
| Pretax return on assets | 3.1772% | 119 |
| Return on Equity (ROE) | 13.5091% | 1,009 |
| Retained earnings to average equity (ytd only) | 12.7923% | 324 |
| Net charge-offs to loans | 4.3683% | 17 |
| Credit loss provision to net charge-offs | 91.4548% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 3,433 |
| Efficiency ratio | 48.7127% | 5,920 |
| Assets per employee ($millions) | 3.8261% | 4,217 |
| Cash dividends to net income (ytd only)* | 5.3060% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9292% | 42 |
| Loan loss allowance to noncurrent loans | 566.2622% | 927 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 1,710 |
| Noncurrent loans to loans | 1.0471% | 2,551 |
| Net loans and leases to total assets | 70.8736% | 2,183 |
| Net loans and leases to deposits | 87.3307% | 1,903 |
| Net loans and leases to core deposits | 92.4856% | 2,107 |
| Total domestic deposits to total assets | 81.1554% | 4,564 |
| Equity capital to assets | 15.8798% | 540 |
| Core capital (leverage) ratio | 17.0967% | 357 |
| Tier 1 risk-based capital ratio | 20.4052% | 1,467 |
| Total risk-based capital ratio | 21.7151% | 1,432 |
| Memoranda: | ||
| Average total assets | $529,900,000 | 1,293 |
| Average earning assets | $491,338,670 | 1,290 |
| Average equity | $83,706,330 | 916 |
| Average total loans | $394,336,670 | 1,170 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0629% | 27 |
| Cost of funding earning assets | 0.3037% | 4,402 |
| Net interest margin | 8.7591% | 25 |
| Noninterest income to average assets | 3.4664% | 189 |
| Noninterest expense to average assets | 5.8578% | 198 |
| Loan and lease loss provision to assets | 2.8815% | 18 |
| Net operating income to assets | 1.8517% | 441 |
| Return on assets (ROA) | 1.8517% | 469 |
| Pretax return on assets | 2.8624% | 146 |
| Return on Equity (ROE) | 11.7542% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.7542% | 603 |
| Net charge-offs to loans | 3.7225% | 33 |
| Credit loss provision to net charge-offs | 104.6944% | 1,565 |
| Earnings coverage of net charge-offs (x) | 2.0869% | 2,824 |
| Efficiency ratio | 50.4909% | 5,887 |
| Assets per employee ($millions) | 3.7961% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5623% | 25 |
| Loan loss allowance to noncurrent loans | 307.6876% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 2.0551% | 1,144 |
| Noncurrent loans to loans | 2.1328% | 1,202 |
| Net loans and leases to total assets | 67.9329% | 2,450 |
| Net loans and leases to deposits | 84.0252% | 2,071 |
| Net loans and leases to core deposits | 89.3194% | 2,197 |
| Total domestic deposits to total assets | 80.8482% | 4,851 |
| Equity capital to assets | 15.8580% | 562 |
| Core capital (leverage) ratio | 16.9574% | 364 |
| Tier 1 risk-based capital ratio | 20.8626% | 1,451 |
| Total risk-based capital ratio | 22.1795% | 1,414 |
| Memoranda: | ||
| Average total assets | $523,196,000 | 1,309 |
| Average earning assets | $485,938,500 | 1,304 |
| Average equity | $82,421,500 | 928 |
| Average total loans | $386,839,000 | 1,193 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9192% | 31 |
| Cost of funding earning assets | 0.3643% | 4,093 |
| Net interest margin | 8.5549% | 28 |
| Noninterest income to average assets | 3.3558% | 171 |
| Noninterest expense to average assets | 5.8737% | 192 |
| Loan and lease loss provision to assets | 2.9774% | 16 |
| Net operating income to assets | 1.6566% | 627 |
| Return on assets (ROA) | 1.6566% | 655 |
| Pretax return on assets | 2.4030% | 229 |
| Return on Equity (ROE) | 10.8918% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.8918% | 390 |
| Net charge-offs to loans | 3.0131% | 33 |
| Credit loss provision to net charge-offs | 132.7774% | 1,789 |
| Earnings coverage of net charge-offs (x) | 2.3994% | 4,161 |
| Efficiency ratio | 52.1917% | 5,965 |
| Assets per employee ($millions) | 3.8425% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4110% | 29 |
| Loan loss allowance to noncurrent loans | 284.1268% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 2.2324% | 1,086 |
| Noncurrent loans to loans | 2.2564% | 1,164 |
| Net loans and leases to total assets | 70.3720% | 2,177 |
| Net loans and leases to deposits | 86.6921% | 1,891 |
| Net loans and leases to core deposits | 92.3353% | 2,055 |
| Total domestic deposits to total assets | 81.1747% | 4,690 |
| Equity capital to assets | 15.6472% | 585 |
| Core capital (leverage) ratio | 15.4965% | 533 |
| Tier 1 risk-based capital ratio | 20.5754% | 1,496 |
| Total risk-based capital ratio | 21.8936% | 1,455 |
| Memoranda: | ||
| Average total assets | $502,712,400 | 1,328 |
| Average earning assets | $464,131,000 | 1,324 |
| Average equity | $76,461,400 | 958 |
| Average total loans | $374,128,400 | 1,181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7635% | 33 |
| Cost of funding earning assets | 0.3767% | 4,059 |
| Net interest margin | 8.3868% | 31 |
| Noninterest income to average assets | 3.3475% | 169 |
| Noninterest expense to average assets | 5.9718% | 183 |
| Loan and lease loss provision to assets | 2.8599% | 18 |
| Net operating income to assets | 1.5964% | 760 |
| Return on assets (ROA) | 1.5964% | 792 |
| Pretax return on assets | 2.2474% | 335 |
| Return on Equity (ROE) | 10.5747% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.5747% | 575 |
| Net charge-offs to loans | 2.8392% | 43 |
| Credit loss provision to net charge-offs | 135.7143% | 1,718 |
| Earnings coverage of net charge-offs (x) | 2.4236% | 3,915 |
| Efficiency ratio | 53.9020% | 5,832 |
| Assets per employee ($millions) | 3.6480% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2038% | 45 |
| Loan loss allowance to noncurrent loans | 266.8215% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 2.5259% | 1,035 |
| Noncurrent loans to loans | 2.3251% | 1,285 |
| Net loans and leases to total assets | 72.9860% | 1,685 |
| Net loans and leases to deposits | 90.0324% | 1,425 |
| Net loans and leases to core deposits | 96.5033% | 1,636 |
| Total domestic deposits to total assets | 81.0664% | 4,806 |
| Equity capital to assets | 15.7480% | 597 |
| Core capital (leverage) ratio | 15.6126% | 526 |
| Tier 1 risk-based capital ratio | 19.9122% | 1,696 |
| Total risk-based capital ratio | 21.2273% | 1,649 |
| Memoranda: | ||
| Average total assets | $498,707,250 | 1,351 |
| Average earning assets | $459,743,750 | 1,347 |
| Average equity | $75,285,000 | 973 |
| Average total loans | $370,148,250 | 1,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5158% | 36 |
| Cost of funding earning assets | 0.3859% | 4,042 |
| Net interest margin | 8.1299% | 32 |
| Noninterest income to average assets | 3.1548% | 182 |
| Noninterest expense to average assets | 6.1451% | 169 |
| Loan and lease loss provision to assets | 2.7748% | 19 |
| Net operating income to assets | 1.2963% | 1,322 |
| Return on assets (ROA) | 1.2963% | 1,371 |
| Pretax return on assets | 1.7096% | 999 |
| Return on Equity (ROE) | 8.7127% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.7127% | 1,072 |
| Net charge-offs to loans | 2.9013% | 58 |
| Credit loss provision to net charge-offs | 130.9718% | 1,598 |
| Earnings coverage of net charge-offs (x) | 2.1167% | 3,630 |
| Efficiency ratio | 57.8117% | 5,577 |
| Assets per employee ($millions) | 3.5580% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1606% | 48 |
| Loan loss allowance to noncurrent loans | 265.3637% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 2.5209% | 1,119 |
| Noncurrent loans to loans | 2.3216% | 1,392 |
| Net loans and leases to total assets | 70.1674% | 2,055 |
| Net loans and leases to deposits | 85.7280% | 1,849 |
| Net loans and leases to core deposits | 92.0330% | 1,939 |
| Total domestic deposits to total assets | 81.8489% | 4,698 |
| Equity capital to assets | 15.2519% | 645 |
| Core capital (leverage) ratio | 15.1140% | 586 |
| Tier 1 risk-based capital ratio | 19.7907% | 1,735 |
| Total risk-based capital ratio | 21.1043% | 1,687 |
| Memoranda: | ||
| Average total assets | $498,350,670 | 1,347 |
| Average earning assets | $458,184,670 | 1,339 |
| Average equity | $74,145,000 | 984 |
| Average total loans | $363,900,000 | 1,211 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4058% | 33 |
| Cost of funding earning assets | 0.3926% | 4,058 |
| Net interest margin | 8.0132% | 31 |
| Noninterest income to average assets | 2.9747% | 189 |
| Noninterest expense to average assets | 5.9374% | 195 |
| Loan and lease loss provision to assets | 2.6160% | 26 |
| Net operating income to assets | 1.2077% | 1,463 |
| Return on assets (ROA) | 1.2077% | 1,528 |
| Pretax return on assets | 1.7598% | 860 |
| Return on Equity (ROE) | 8.2206% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2206% | 1,526 |
| Net charge-offs to loans | 3.1978% | 58 |
| Credit loss provision to net charge-offs | 113.3913% | 1,510 |
| Earnings coverage of net charge-offs (x) | 1.8967% | 2,996 |
| Efficiency ratio | 57.5708% | 5,695 |
| Assets per employee ($millions) | 3.7111% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0107% | 46 |
| Loan loss allowance to noncurrent loans | 232.1918% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 2.7580% | 1,090 |
| Noncurrent loans to loans | 2.5887% | 1,331 |
| Net loans and leases to total assets | 67.2183% | 2,357 |
| Net loans and leases to deposits | 82.9343% | 1,955 |
| Net loans and leases to core deposits | 89.3909% | 1,968 |
| Total domestic deposits to total assets | 81.0501% | 5,221 |
| Equity capital to assets | 14.6741% | 740 |
| Core capital (leverage) ratio | 14.5740% | 682 |
| Tier 1 risk-based capital ratio | 19.9480% | 1,737 |
| Total risk-based capital ratio | 21.2599% | 1,682 |
| Memoranda: | ||
| Average total assets | $498,464,500 | 1,357 |
| Average earning assets | $456,494,000 | 1,350 |
| Average equity | $73,231,000 | 995 |
| Average total loans | $359,617,000 | 1,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1881% | 45 |
| Cost of funding earning assets | 0.4657% | 3,955 |
| Net interest margin | 7.7225% | 40 |
| Noninterest income to average assets | 3.0248% | 228 |
| Noninterest expense to average assets | 5.5529% | 238 |
| Loan and lease loss provision to assets | 2.7339% | 22 |
| Net operating income to assets | 1.2290% | 1,453 |
| Return on assets (ROA) | 1.2290% | 1,518 |
| Pretax return on assets | 1.7799% | 790 |
| Return on Equity (ROE) | 8.2985% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.2985% | 957 |
| Net charge-offs to loans | 3.0757% | 78 |
| Credit loss provision to net charge-offs | 134.5407% | 1,748 |
| Earnings coverage of net charge-offs (x) | 2.2213% | 4,283 |
| Efficiency ratio | 55.1613% | 6,033 |
| Assets per employee ($millions) | 3.6192% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9482% | 43 |
| Loan loss allowance to noncurrent loans | 217.9707% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 3.0588% | 1,022 |
| Noncurrent loans to loans | 2.7289% | 1,325 |
| Net loans and leases to total assets | 68.4593% | 2,268 |
| Net loans and leases to deposits | 85.7647% | 1,716 |
| Net loans and leases to core deposits | 91.0889% | 1,893 |
| Total domestic deposits to total assets | 79.8222% | 5,486 |
| Equity capital to assets | 14.7090% | 735 |
| Core capital (leverage) ratio | 14.6384% | 657 |
| Tier 1 risk-based capital ratio | 19.5937% | 1,754 |
| Total risk-based capital ratio | 20.9041% | 1,707 |
| Memoranda: | ||
| Average total assets | $471,443,400 | 1,404 |
| Average earning assets | $429,901,800 | 1,419 |
| Average equity | $69,819,800 | 1,027 |
| Average total loans | $311,477,600 | 1,360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0247% | 48 |
| Cost of funding earning assets | 0.4859% | 3,903 |
| Net interest margin | 7.5388% | 41 |
| Noninterest income to average assets | 3.0798% | 228 |
| Noninterest expense to average assets | 5.6566% | 233 |
| Loan and lease loss provision to assets | 2.5608% | 27 |
| Net operating income to assets | 1.2262% | 1,545 |
| Return on assets (ROA) | 1.2262% | 1,618 |
| Pretax return on assets | 1.7349% | 1,027 |
| Return on Equity (ROE) | 8.2649% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.2649% | 1,310 |
| Net charge-offs to loans | 3.0324% | 74 |
| Credit loss provision to net charge-offs | 131.3435% | 1,800 |
| Earnings coverage of net charge-offs (x) | 2.2033% | 4,103 |
| Efficiency ratio | 56.8371% | 5,818 |
| Assets per employee ($millions) | 3.3526% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2043% | 47 |
| Loan loss allowance to noncurrent loans | 189.2763% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 3.5637% | 942 |
| Noncurrent loans to loans | 3.2779% | 1,191 |
| Net loans and leases to total assets | 65.8062% | 2,674 |
| Net loans and leases to deposits | 81.5766% | 2,191 |
| Net loans and leases to core deposits | 86.3271% | 2,376 |
| Total domestic deposits to total assets | 80.6680% | 5,314 |
| Equity capital to assets | 15.3466% | 649 |
| Core capital (leverage) ratio | 15.2487% | 601 |
| Tier 1 risk-based capital ratio | 20.5688% | 1,586 |
| Total risk-based capital ratio | 21.8798% | 1,545 |
| Memoranda: | ||
| Average total assets | $466,250,500 | 1,425 |
| Average earning assets | $425,045,750 | 1,442 |
| Average equity | $69,174,750 | 1,042 |
| Average total loans | $299,777,500 | 1,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8227% | 50 |
| Cost of funding earning assets | 0.4992% | 3,911 |
| Net interest margin | 7.3235% | 44 |
| Noninterest income to average assets | 2.9749% | 258 |
| Noninterest expense to average assets | 5.6216% | 248 |
| Loan and lease loss provision to assets | 2.3387% | 40 |
| Net operating income to assets | 1.2386% | 1,492 |
| Return on assets (ROA) | 1.2386% | 1,591 |
| Pretax return on assets | 1.6806% | 1,155 |
| Return on Equity (ROE) | 8.4445% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.4445% | 1,316 |
| Net charge-offs to loans | 3.3372% | 87 |
| Credit loss provision to net charge-offs | 112.3766% | 1,975 |
| Earnings coverage of net charge-offs (x) | 1.9313% | 3,875 |
| Efficiency ratio | 58.3100% | 5,688 |
| Assets per employee ($millions) | 3.3696% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3275% | 46 |
| Loan loss allowance to noncurrent loans | 149.6942% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 3.8467% | 935 |
| Noncurrent loans to loans | 4.2269% | 879 |
| Net loans and leases to total assets | 57.9686% | 3,990 |
| Net loans and leases to deposits | 71.0289% | 3,581 |
| Net loans and leases to core deposits | 74.8183% | 3,689 |
| Total domestic deposits to total assets | 81.6128% | 5,174 |
| Equity capital to assets | 14.6096% | 793 |
| Core capital (leverage) ratio | 14.5553% | 686 |
| Tier 1 risk-based capital ratio | 22.1408% | 1,259 |
| Total risk-based capital ratio | 23.4532% | 1,232 |
| Memoranda: | ||
| Average total assets | $467,446,330 | 1,421 |
| Average earning assets | $425,477,670 | 1,437 |
| Average equity | $68,565,330 | 1,053 |
| Average total loans | $291,503,330 | 1,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8034% | 47 |
| Cost of funding earning assets | 0.5138% | 3,936 |
| Net interest margin | 7.2895% | 43 |
| Noninterest income to average assets | 3.0189% | 248 |
| Noninterest expense to average assets | 5.4787% | 272 |
| Loan and lease loss provision to assets | 2.2105% | 50 |
| Net operating income to assets | 1.2459% | 1,406 |
| Return on assets (ROA) | 1.2459% | 1,509 |
| Pretax return on assets | 1.9516% | 657 |
| Return on Equity (ROE) | 8.4764% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.4764% | 1,571 |
| Net charge-offs to loans | 3.5349% | 86 |
| Credit loss provision to net charge-offs | 99.8830% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.8807% | 3,211 |
| Efficiency ratio | 56.8284% | 5,985 |
| Assets per employee ($millions) | 3.4045% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3187% | 61 |
| Loan loss allowance to noncurrent loans | 189.5629% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 3.6770% | 1,133 |
| Noncurrent loans to loans | 3.3333% | 1,453 |
| Net loans and leases to total assets | 56.8000% | 3,963 |
| Net loans and leases to deposits | 69.6640% | 3,548 |
| Net loans and leases to core deposits | 73.2040% | 3,678 |
| Total domestic deposits to total assets | 81.5342% | 5,350 |
| Equity capital to assets | 14.6504% | 838 |
| Core capital (leverage) ratio | 14.4104% | 692 |
| Tier 1 risk-based capital ratio | 22.5885% | 1,223 |
| Total risk-based capital ratio | 23.9014% | 1,192 |
| Memoranda: | ||
| Average total assets | $463,613,500 | 1,446 |
| Average earning assets | $421,151,000 | 1,466 |
| Average equity | $68,142,000 | 1,070 |
| Average total loans | $290,245,000 | 1,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2245% | 46 |
| Cost of funding earning assets | 0.6716% | 3,726 |
| Net interest margin | 7.5530% | 43 |
| Noninterest income to average assets | 2.2626% | 365 |
| Noninterest expense to average assets | 5.2979% | 308 |
| Loan and lease loss provision to assets | 2.7259% | 48 |
| Net operating income to assets | 0.6582% | 3,947 |
| Return on assets (ROA) | 0.6815% | 4,094 |
| Pretax return on assets | 1.0496% | 3,360 |
| Return on Equity (ROE) | 4.4980% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.0027% | 4,118 |
| Net charge-offs to loans | 2.6793% | 219 |
| Credit loss provision to net charge-offs | 152.5355% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.0927% | 4,366 |
| Efficiency ratio | 58.6208% | 5,747 |
| Assets per employee ($millions) | 3.2672% | 5,475 |
| Cash dividends to net income (ytd only)* | 33.2447% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0892% | 65 |
| Loan loss allowance to noncurrent loans | 174.2691% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 4.1123% | 1,031 |
| Noncurrent loans to loans | 3.4942% | 1,430 |
| Net loans and leases to total assets | 60.6967% | 3,474 |
| Net loans and leases to deposits | 74.4353% | 3,033 |
| Net loans and leases to core deposits | 76.9903% | 3,409 |
| Total domestic deposits to total assets | 81.5429% | 5,247 |
| Equity capital to assets | 14.7469% | 809 |
| Core capital (leverage) ratio | 14.4855% | 677 |
| Tier 1 risk-based capital ratio | 20.8376% | 1,492 |
| Total risk-based capital ratio | 22.1461% | 1,456 |
| Memoranda: | ||
| Average total assets | $441,402,800 | 1,492 |
| Average earning assets | $395,936,800 | 1,522 |
| Average equity | $66,873,600 | 1,053 |
| Average total loans | $294,406,600 | 1,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2558% | 44 |
| Cost of funding earning assets | 0.7012% | 3,764 |
| Net interest margin | 7.5546% | 43 |
| Noninterest income to average assets | 2.7812% | 275 |
| Noninterest expense to average assets | 5.3734% | 292 |
| Loan and lease loss provision to assets | 2.6389% | 56 |
| Net operating income to assets | 0.9867% | 2,578 |
| Return on assets (ROA) | 1.0175% | 2,650 |
| Pretax return on assets | 1.5823% | 1,635 |
| Return on Equity (ROE) | 6.6697% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.6716% | 3,607 |
| Net charge-offs to loans | 2.4916% | 250 |
| Credit loss provision to net charge-offs | 157.5146% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.4909% | 4,044 |
| Efficiency ratio | 56.2871% | 6,022 |
| Assets per employee ($millions) | 3.0757% | 5,911 |
| Cash dividends to net income (ytd only)* | 29.9580% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7334% | 83 |
| Loan loss allowance to noncurrent loans | 153.3796% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 5.4452% | 787 |
| Noncurrent loans to loans | 3.7380% | 1,427 |
| Net loans and leases to total assets | 64.5246% | 2,924 |
| Net loans and leases to deposits | 80.1781% | 2,362 |
| Net loans and leases to core deposits | 82.6448% | 2,882 |
| Total domestic deposits to total assets | 80.4766% | 5,524 |
| Equity capital to assets | 15.6511% | 677 |
| Core capital (leverage) ratio | 15.3558% | 557 |
| Tier 1 risk-based capital ratio | 21.5615% | 1,410 |
| Total risk-based capital ratio | 22.8685% | 1,374 |
| Memoranda: | ||
| Average total assets | $437,400,500 | 1,520 |
| Average earning assets | $391,700,750 | 1,548 |
| Average equity | $66,728,500 | 1,058 |
| Average total loans | $294,099,250 | 1,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0335% | 49 |
| Cost of funding earning assets | 0.7296% | 3,775 |
| Net interest margin | 7.3039% | 46 |
| Noninterest income to average assets | 2.9719% | 247 |
| Noninterest expense to average assets | 5.4299% | 290 |
| Loan and lease loss provision to assets | 2.6281% | 79 |
| Net operating income to assets | 0.9352% | 2,740 |
| Return on assets (ROA) | 0.9352% | 3,001 |
| Pretax return on assets | 1.4499% | 2,009 |
| Return on Equity (ROE) | 6.1827% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.0725% | 3,895 |
| Net charge-offs to loans | 2.3166% | 319 |
| Credit loss provision to net charge-offs | 169.7291% | 1,647 |
| Earnings coverage of net charge-offs (x) | 2.6337% | 3,693 |
| Efficiency ratio | 57.1093% | 5,982 |
| Assets per employee ($millions) | 3.0202% | 6,025 |
| Cash dividends to net income (ytd only)* | 34.1297% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3810% | 118 |
| Loan loss allowance to noncurrent loans | 155.8544% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 5.6105% | 785 |
| Noncurrent loans to loans | 3.4526% | 1,669 |
| Net loans and leases to total assets | 66.0636% | 2,658 |
| Net loans and leases to deposits | 81.8520% | 2,133 |
| Net loans and leases to core deposits | 84.7179% | 2,601 |
| Total domestic deposits to total assets | 80.7110% | 5,552 |
| Equity capital to assets | 15.5127% | 674 |
| Core capital (leverage) ratio | 15.1903% | 566 |
| Tier 1 risk-based capital ratio | 20.9465% | 1,489 |
| Total risk-based capital ratio | 22.2491% | 1,454 |
| Memoranda: | ||
| Average total assets | $438,644,330 | 1,517 |
| Average earning assets | $392,531,330 | 1,547 |
| Average equity | $66,346,670 | 1,058 |
| Average total loans | $293,185,000 | 1,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9100% | 50 |
| Cost of funding earning assets | 0.7663% | 3,732 |
| Net interest margin | 7.1437% | 51 |
| Noninterest income to average assets | 3.1772% | 219 |
| Noninterest expense to average assets | 5.5825% | 254 |
| Loan and lease loss provision to assets | 2.4795% | 104 |
| Net operating income to assets | 1.0271% | 2,375 |
| Return on assets (ROA) | 1.0271% | 2,561 |
| Pretax return on assets | 1.4931% | 1,889 |
| Return on Equity (ROE) | 6.8765% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.4531% | 3,921 |
| Net charge-offs to loans | 2.7667% | 277 |
| Credit loss provision to net charge-offs | 137.0685% | 1,794 |
| Earnings coverage of net charge-offs (x) | 2.1961% | 3,285 |
| Efficiency ratio | 58.4241% | 5,858 |
| Assets per employee ($millions) | 3.1291% | 5,901 |
| Cash dividends to net income (ytd only)* | 35.2423% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9403% | 186 |
| Loan loss allowance to noncurrent loans | 139.9310% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 5.5561% | 878 |
| Noncurrent loans to loans | 3.5305% | 1,762 |
| Net loans and leases to total assets | 62.7794% | 3,101 |
| Net loans and leases to deposits | 77.3548% | 2,617 |
| Net loans and leases to core deposits | 80.0101% | 3,069 |
| Total domestic deposits to total assets | 81.1577% | 5,557 |
| Equity capital to assets | 14.8287% | 777 |
| Core capital (leverage) ratio | 14.5234% | 683 |
| Tier 1 risk-based capital ratio | 20.9281% | 1,511 |
| Total risk-based capital ratio | 22.2238% | 1,470 |
| Memoranda: | ||
| Average total assets | $442,024,500 | 1,508 |
| Average earning assets | $394,641,500 | 1,539 |
| Average equity | $66,021,500 | 1,063 |
| Average total loans | $289,005,500 | 1,470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2385% | 79 |
| Cost of funding earning assets | 0.9439% | 3,758 |
| Net interest margin | 6.2946% | 71 |
| Noninterest income to average assets | 3.7639% | 167 |
| Noninterest expense to average assets | 5.1201% | 354 |
| Loan and lease loss provision to assets | 2.1409% | 250 |
| Net operating income to assets | 1.4383% | 949 |
| Return on assets (ROA) | 1.4383% | 1,030 |
| Pretax return on assets | 2.1513% | 404 |
| Return on Equity (ROE) | 9.8931% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.6242% | 897 |
| Net charge-offs to loans | 2.0540% | 663 |
| Credit loss provision to net charge-offs | 160.1518% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.2108% | 3,616 |
| Efficiency ratio | 54.3978% | 6,474 |
| Assets per employee ($millions) | 3.0531% | 5,983 |
| Cash dividends to net income (ytd only)* | 12.8267% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6669% | 223 |
| Loan loss allowance to noncurrent loans | 140.0765% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 5.5134% | 929 |
| Noncurrent loans to loans | 3.3317% | 1,943 |
| Net loans and leases to total assets | 61.6863% | 3,663 |
| Net loans and leases to deposits | 76.3278% | 3,124 |
| Net loans and leases to core deposits | 78.8838% | 3,583 |
| Total domestic deposits to total assets | 80.8176% | 5,508 |
| Equity capital to assets | 15.0463% | 771 |
| Core capital (leverage) ratio | 14.7683% | 655 |
| Tier 1 risk-based capital ratio | 21.0804% | 1,396 |
| Total risk-based capital ratio | 22.3305% | 1,373 |
| Memoranda: | ||
| Average total assets | $433,647,800 | 1,506 |
| Average earning assets | $389,128,800 | 1,530 |
| Average equity | $63,043,800 | 1,069 |
| Average total loans | $282,228,600 | 1,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0618% | 92 |
| Cost of funding earning assets | 0.9782% | 3,830 |
| Net interest margin | 6.0835% | 84 |
| Noninterest income to average assets | 3.4568% | 183 |
| Noninterest expense to average assets | 4.8899% | 415 |
| Loan and lease loss provision to assets | 1.8732% | 312 |
| Net operating income to assets | 1.4518% | 1,046 |
| Return on assets (ROA) | 1.4518% | 1,119 |
| Pretax return on assets | 2.1639% | 459 |
| Return on Equity (ROE) | 10.0753% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.2204% | 1,070 |
| Net charge-offs to loans | 1.9586% | 653 |
| Credit loss provision to net charge-offs | 146.7310% | 2,145 |
| Earnings coverage of net charge-offs (x) | 3.1624% | 3,555 |
| Efficiency ratio | 54.7766% | 6,414 |
| Assets per employee ($millions) | 3.0538% | 6,002 |
| Cash dividends to net income (ytd only)* | 8.4854% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0448% | 379 |
| Loan loss allowance to noncurrent loans | 109.7133% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 5.6929% | 966 |
| Noncurrent loans to loans | 3.6867% | 1,851 |
| Net loans and leases to total assets | 64.5555% | 3,194 |
| Net loans and leases to deposits | 79.2428% | 2,770 |
| Net loans and leases to core deposits | 82.4406% | 3,261 |
| Total domestic deposits to total assets | 81.4654% | 5,268 |
| Equity capital to assets | 15.1007% | 831 |
| Core capital (leverage) ratio | 14.8183% | 701 |
| Tier 1 risk-based capital ratio | 21.0503% | 1,443 |
| Total risk-based capital ratio | 22.3001% | 1,425 |
| Memoranda: | ||
| Average total assets | $432,911,500 | 1,517 |
| Average earning assets | $389,260,500 | 1,532 |
| Average equity | $62,382,000 | 1,085 |
| Average total loans | $282,160,250 | 1,525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7413% | 154 |
| Cost of funding earning assets | 1.0085% | 3,898 |
| Net interest margin | 5.7328% | 124 |
| Noninterest income to average assets | 3.4350% | 191 |
| Noninterest expense to average assets | 4.7044% | 479 |
| Loan and lease loss provision to assets | 1.5831% | 441 |
| Net operating income to assets | 1.5077% | 874 |
| Return on assets (ROA) | 1.5077% | 932 |
| Pretax return on assets | 2.3000% | 352 |
| Return on Equity (ROE) | 10.6300% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.6300% | 733 |
| Net charge-offs to loans | 1.8442% | 744 |
| Credit loss provision to net charge-offs | 133.1141% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.2650% | 3,234 |
| Efficiency ratio | 54.7817% | 6,534 |
| Assets per employee ($millions) | 2.9972% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6878% | 517 |
| Loan loss allowance to noncurrent loans | 70.6264% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 6.1497% | 903 |
| Noncurrent loans to loans | 5.2216% | 1,234 |
| Net loans and leases to total assets | 63.8571% | 3,498 |
| Net loans and leases to deposits | 78.5891% | 3,024 |
| Net loans and leases to core deposits | 81.9097% | 3,508 |
| Total domestic deposits to total assets | 81.2544% | 5,444 |
| Equity capital to assets | 14.7270% | 884 |
| Core capital (leverage) ratio | 14.4389% | 775 |
| Tier 1 risk-based capital ratio | 20.5534% | 1,506 |
| Total risk-based capital ratio | 21.8034% | 1,479 |
| Memoranda: | ||
| Average total assets | $434,703,330 | 1,522 |
| Average earning assets | $390,698,000 | 1,542 |
| Average equity | $61,655,670 | 1,098 |
| Average total loans | $280,336,330 | 1,546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4846% | 216 |
| Cost of funding earning assets | 1.0518% | 3,841 |
| Net interest margin | 5.4328% | 182 |
| Noninterest income to average assets | 2.1226% | 334 |
| Noninterest expense to average assets | 4.2324% | 791 |
| Loan and lease loss provision to assets | 1.1562% | 614 |
| Net operating income to assets | 1.0398% | 2,035 |
| Return on assets (ROA) | 1.0398% | 2,090 |
| Pretax return on assets | 1.6073% | 1,172 |
| Return on Equity (ROE) | 7.4724% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.4724% | 1,952 |
| Net charge-offs to loans | 1.7230% | 765 |
| Credit loss provision to net charge-offs | 105.5230% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.5222% | 3,073 |
| Efficiency ratio | 60.4980% | 5,904 |
| Assets per employee ($millions) | 3.0284% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5620% | 577 |
| Loan loss allowance to noncurrent loans | 72.3346% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 6.5809% | 838 |
| Noncurrent loans to loans | 4.9243% | 1,375 |
| Net loans and leases to total assets | 61.0377% | 4,071 |
| Net loans and leases to deposits | 74.7100% | 3,648 |
| Net loans and leases to core deposits | 78.3493% | 3,975 |
| Total domestic deposits to total assets | 81.6996% | 5,427 |
| Equity capital to assets | 14.1469% | 964 |
| Core capital (leverage) ratio | 13.8812% | 878 |
| Tier 1 risk-based capital ratio | 20.0414% | 1,581 |
| Total risk-based capital ratio | 21.2916% | 1,546 |
| Memoranda: | ||
| Average total assets | $436,257,500 | 1,521 |
| Average earning assets | $391,326,000 | 1,548 |
| Average equity | $60,703,000 | 1,101 |
| Average total loans | $277,426,000 | 1,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6573% | 247 |
| Cost of funding earning assets | 1.2936% | 3,924 |
| Net interest margin | 5.3638% | 217 |
| Noninterest income to average assets | 2.2285% | 331 |
| Noninterest expense to average assets | 4.4143% | 708 |
| Loan and lease loss provision to assets | 1.9393% | 693 |
| Net operating income to assets | 0.5290% | 3,970 |
| Return on assets (ROA) | 0.5290% | 4,124 |
| Pretax return on assets | 0.7315% | 3,865 |
| Return on Equity (ROE) | 3.9675% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.2902% | 3,566 |
| Net charge-offs to loans | 3.5341% | 401 |
| Credit loss provision to net charge-offs | 84.8060% | 5,353 |
| Earnings coverage of net charge-offs (x) | 1.1679% | 4,941 |
| Efficiency ratio | 62.2789% | 5,684 |
| Assets per employee ($millions) | 2.9103% | 6,298 |
| Cash dividends to net income (ytd only)* | 17.0721% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4538% | 608 |
| Loan loss allowance to noncurrent loans | 76.8993% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 6.3284% | 904 |
| Noncurrent loans to loans | 4.4913% | 1,576 |
| Net loans and leases to total assets | 61.6814% | 4,354 |
| Net loans and leases to deposits | 74.9374% | 4,036 |
| Net loans and leases to core deposits | 79.6229% | 4,259 |
| Total domestic deposits to total assets | 82.3106% | 5,088 |
| Equity capital to assets | 13.6854% | 1,132 |
| Core capital (leverage) ratio | 13.4193% | 997 |
| Tier 1 risk-based capital ratio | 18.9598% | 1,733 |
| Total risk-based capital ratio | 20.2099% | 1,697 |
| Memoranda: | ||
| Average total assets | $442,950,400 | 1,502 |
| Average earning assets | $401,061,000 | 1,517 |
| Average equity | $59,054,600 | 1,129 |
| Average total loans | $286,610,000 | 1,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7311% | 223 |
| Cost of funding earning assets | 1.3434% | 3,950 |
| Net interest margin | 5.3878% | 213 |
| Noninterest income to average assets | 2.2327% | 322 |
| Noninterest expense to average assets | 4.4140% | 656 |
| Loan and lease loss provision to assets | 1.9076% | 641 |
| Net operating income to assets | 0.5792% | 3,963 |
| Return on assets (ROA) | 0.5792% | 4,121 |
| Pretax return on assets | 0.7943% | 3,929 |
| Return on Equity (ROE) | 4.3731% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.4658% | 4,013 |
| Net charge-offs to loans | 3.4944% | 387 |
| Credit loss provision to net charge-offs | 84.1060% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1.1913% | 4,874 |
| Efficiency ratio | 61.9960% | 5,622 |
| Assets per employee ($millions) | 2.8686% | 6,447 |
| Cash dividends to net income (ytd only)* | 20.7469% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5484% | 520 |
| Loan loss allowance to noncurrent loans | 63.7814% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 6.2319% | 938 |
| Noncurrent loans to loans | 5.5634% | 1,184 |
| Net loans and leases to total assets | 62.5636% | 4,417 |
| Net loans and leases to deposits | 76.1784% | 4,152 |
| Net loans and leases to core deposits | 80.8219% | 4,406 |
| Total domestic deposits to total assets | 82.1278% | 4,944 |
| Equity capital to assets | 13.7695% | 1,250 |
| Core capital (leverage) ratio | 13.4447% | 1,078 |
| Tier 1 risk-based capital ratio | 18.8757% | 1,781 |
| Total risk-based capital ratio | 20.1258% | 1,744 |
| Memoranda: | ||
| Average total assets | $443,823,000 | 1,523 |
| Average earning assets | $402,260,250 | 1,531 |
| Average equity | $58,782,750 | 1,139 |
| Average total loans | $288,072,000 | 1,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7992% | 203 |
| Cost of funding earning assets | 1.3829% | 3,989 |
| Net interest margin | 5.4163% | 193 |
| Noninterest income to average assets | 2.2432% | 300 |
| Noninterest expense to average assets | 4.4129% | 640 |
| Loan and lease loss provision to assets | 2.4582% | 468 |
| Net operating income to assets | 0.2648% | 5,319 |
| Return on assets (ROA) | 0.2648% | 5,465 |
| Pretax return on assets | 0.2728% | 5,582 |
| Return on Equity (ROE) | 2.0252% | 5,627 |
| Retained earnings to average equity (ytd only) | 0.6545% | 5,499 |
| Net charge-offs to loans | 4.1274% | 307 |
| Credit loss provision to net charge-offs | 91.7405% | 4,373 |
| Earnings coverage of net charge-offs (x) | 1.0192% | 4,767 |
| Efficiency ratio | 61.7208% | 5,735 |
| Assets per employee ($millions) | 2.9663% | 6,209 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7886% | 441 |
| Loan loss allowance to noncurrent loans | 76.4920% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 5.5897% | 1,094 |
| Noncurrent loans to loans | 4.9530% | 1,401 |
| Net loans and leases to total assets | 61.3034% | 4,819 |
| Net loans and leases to deposits | 74.7820% | 4,553 |
| Net loans and leases to core deposits | 79.8474% | 4,711 |
| Total domestic deposits to total assets | 81.9761% | 4,997 |
| Equity capital to assets | 13.2075% | 1,472 |
| Core capital (leverage) ratio | 12.8746% | 1,249 |
| Tier 1 risk-based capital ratio | 18.4759% | 1,839 |
| Total risk-based capital ratio | 19.7260% | 1,807 |
| Memoranda: | ||
| Average total assets | $446,421,330 | 1,532 |
| Average earning assets | $403,931,000 | 1,534 |
| Average equity | $58,364,000 | 1,139 |
| Average total loans | $289,819,000 | 1,582 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0284% | 167 |
| Cost of funding earning assets | 1.4174% | 4,066 |
| Net interest margin | 5.6111% | 151 |
| Noninterest income to average assets | 2.2918% | 281 |
| Noninterest expense to average assets | 4.6489% | 491 |
| Loan and lease loss provision to assets | 3.5763% | 261 |
| Net operating income to assets | -0.4213% | 6,779 |
| Return on assets (ROA) | -0.4213% | 6,813 |
| Pretax return on assets | -0.8623% | 6,987 |
| Return on Equity (ROE) | -3.2392% | 6,762 |
| Retained earnings to average equity (ytd only) | -5.9901% | 6,662 |
| Net charge-offs to loans | 5.2373% | 224 |
| Credit loss provision to net charge-offs | 104.2231% | 3,286 |
| Earnings coverage of net charge-offs (x) | 0.7909% | 4,330 |
| Efficiency ratio | 63.0786% | 5,648 |
| Assets per employee ($millions) | 2.9734% | 6,272 |
| Cash dividends to net income (ytd only)* | -84.9257% | 7,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9876% | 385 |
| Loan loss allowance to noncurrent loans | 78.0510% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 6.0012% | 1,003 |
| Noncurrent loans to loans | 5.1090% | 1,409 |
| Net loans and leases to total assets | 61.9379% | 4,772 |
| Net loans and leases to deposits | 75.1192% | 4,557 |
| Net loans and leases to core deposits | 80.5639% | 4,694 |
| Total domestic deposits to total assets | 82.4528% | 4,869 |
| Equity capital to assets | 13.0278% | 1,519 |
| Core capital (leverage) ratio | 12.6892% | 1,332 |
| Tier 1 risk-based capital ratio | 17.9023% | 1,966 |
| Total risk-based capital ratio | 19.1523% | 1,940 |
| Memoranda: | ||
| Average total assets | $447,160,500 | 1,567 |
| Average earning assets | $404,129,000 | 1,574 |
| Average equity | $58,163,000 | 1,144 |
| Average total loans | $292,975,500 | 1,605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9571% | 83 |
| Cost of funding earning assets | 1.7869% | 4,062 |
| Net interest margin | 6.1702% | 100 |
| Noninterest income to average assets | 3.1010% | 220 |
| Noninterest expense to average assets | 4.9640% | 531 |
| Loan and lease loss provision to assets | 3.2443% | 504 |
| Net operating income to assets | 0.3801% | 4,204 |
| Return on assets (ROA) | 0.3809% | 4,304 |
| Pretax return on assets | 0.5046% | 4,172 |
| Return on Equity (ROE) | 2.9250% | 4,537 |
| Retained earnings to average equity (ytd only) | -1.1446% | 5,298 |
| Net charge-offs to loans | 5.7280% | 190 |
| Credit loss provision to net charge-offs | 82.8689% | 6,221 |
| Earnings coverage of net charge-offs (x) | 0.9573% | 5,157 |
| Efficiency ratio | 56.9292% | 6,896 |
| Assets per employee ($millions) | 3.0699% | 6,051 |
| Cash dividends to net income (ytd only)* | 139.1304% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7432% | 425 |
| Loan loss allowance to noncurrent loans | 84.1006% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 5.4149% | 1,087 |
| Noncurrent loans to loans | 4.4509% | 1,599 |
| Net loans and leases to total assets | 64.0199% | 4,591 |
| Net loans and leases to deposits | 77.6770% | 4,441 |
| Net loans and leases to core deposits | 95.6877% | 4,495 |
| Total domestic deposits to total assets | 82.4181% | 4,768 |
| Equity capital to assets | 12.9869% | 1,511 |
| Core capital (leverage) ratio | 12.6500% | 1,374 |
| Tier 1 risk-based capital ratio | 17.4798% | 2,033 |
| Total risk-based capital ratio | 18.7298% | 1,989 |
| Memoranda: | ||
| Average total assets | $452,818,000 | 1,530 |
| Average earning assets | $411,772,200 | 1,542 |
| Average equity | $58,974,200 | 1,123 |
| Average total loans | $309,495,800 | 1,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0751% | 77 |
| Cost of funding earning assets | 1.8573% | 4,112 |
| Net interest margin | 6.2177% | 93 |
| Noninterest income to average assets | 3.1655% | 212 |
| Noninterest expense to average assets | 4.7565% | 587 |
| Loan and lease loss provision to assets | 3.4497% | 386 |
| Net operating income to assets | 0.4531% | 4,179 |
| Return on assets (ROA) | 0.4531% | 4,287 |
| Pretax return on assets | 0.6222% | 4,117 |
| Return on Equity (ROE) | 3.4762% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.5869% | 5,376 |
| Net charge-offs to loans | 6.1766% | 137 |
| Credit loss provision to net charge-offs | 81.1713% | 5,734 |
| Earnings coverage of net charge-offs (x) | 0.9581% | 5,103 |
| Efficiency ratio | 53.8272% | 7,252 |
| Assets per employee ($millions) | 3.1058% | 5,894 |
| Cash dividends to net income (ytd only)* | 116.8832% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8517% | 326 |
| Loan loss allowance to noncurrent loans | 88.8069% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 5.3680% | 1,078 |
| Noncurrent loans to loans | 4.3372% | 1,645 |
| Net loans and leases to total assets | 64.9278% | 4,668 |
| Net loans and leases to deposits | 78.8366% | 4,587 |
| Net loans and leases to core deposits | 96.9258% | 4,711 |
| Total domestic deposits to total assets | 82.3575% | 4,522 |
| Equity capital to assets | 13.3161% | 1,566 |
| Core capital (leverage) ratio | 12.9529% | 1,387 |
| Tier 1 risk-based capital ratio | 17.6496% | 2,085 |
| Total risk-based capital ratio | 18.8996% | 2,036 |
| Memoranda: | ||
| Average total assets | $453,203,250 | 1,546 |
| Average earning assets | $412,767,250 | 1,547 |
| Average equity | $59,066,000 | 1,138 |
| Average total loans | $311,834,250 | 1,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2444% | 77 |
| Cost of funding earning assets | 1.9178% | 4,175 |
| Net interest margin | 6.3266% | 79 |
| Noninterest income to average assets | 3.2269% | 197 |
| Noninterest expense to average assets | 4.7446% | 620 |
| Loan and lease loss provision to assets | 3.5175% | 408 |
| Net operating income to assets | 0.5138% | 4,037 |
| Return on assets (ROA) | 0.5138% | 4,154 |
| Pretax return on assets | 0.7277% | 3,912 |
| Return on Equity (ROE) | 3.9701% | 4,504 |
| Retained earnings to average equity (ytd only) | -0.0948% | 5,244 |
| Net charge-offs to loans | 6.2703% | 161 |
| Credit loss provision to net charge-offs | 81.0423% | 5,169 |
| Earnings coverage of net charge-offs (x) | 0.9781% | 4,799 |
| Efficiency ratio | 52.7283% | 7,461 |
| Assets per employee ($millions) | 3.1442% | 5,733 |
| Cash dividends to net income (ytd only)* | 102.3891% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0224% | 253 |
| Loan loss allowance to noncurrent loans | 98.3496% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 4.5012% | 1,242 |
| Noncurrent loans to loans | 4.0899% | 1,639 |
| Net loans and leases to total assets | 64.8723% | 4,787 |
| Net loans and leases to deposits | 79.3903% | 4,641 |
| Net loans and leases to core deposits | 98.6064% | 4,637 |
| Total domestic deposits to total assets | 81.7131% | 4,814 |
| Equity capital to assets | 12.9270% | 1,721 |
| Core capital (leverage) ratio | 12.6484% | 1,562 |
| Tier 1 risk-based capital ratio | 17.3347% | 2,199 |
| Total risk-based capital ratio | 18.5847% | 2,141 |
| Memoranda: | ||
| Average total assets | $456,226,670 | 1,549 |
| Average earning assets | $415,577,330 | 1,563 |
| Average equity | $59,041,000 | 1,148 |
| Average total loans | $315,806,330 | 1,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6679% | 61 |
| Cost of funding earning assets | 1.9740% | 4,270 |
| Net interest margin | 6.6939% | 62 |
| Noninterest income to average assets | 3.3515% | 194 |
| Noninterest expense to average assets | 4.6592% | 610 |
| Loan and lease loss provision to assets | 4.0807% | 232 |
| Net operating income to assets | 0.5083% | 4,379 |
| Return on assets (ROA) | 0.5083% | 4,567 |
| Pretax return on assets | 0.7073% | 4,414 |
| Return on Equity (ROE) | 3.9259% | 4,965 |
| Retained earnings to average equity (ytd only) | -0.1354% | 5,675 |
| Net charge-offs to loans | 6.8528% | 127 |
| Credit loss provision to net charge-offs | 85.0256% | 4,101 |
| Earnings coverage of net charge-offs (x) | 0.9976% | 4,273 |
| Efficiency ratio | 49.2717% | 7,645 |
| Assets per employee ($millions) | 3.2680% | 5,410 |
| Cash dividends to net income (ytd only)* | 103.4483% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2746% | 169 |
| Loan loss allowance to noncurrent loans | 78.0563% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 5.0234% | 897 |
| Noncurrent loans to loans | 5.4763% | 940 |
| Net loans and leases to total assets | 65.3808% | 4,729 |
| Net loans and leases to deposits | 79.9046% | 4,631 |
| Net loans and leases to core deposits | 100.8925% | 4,450 |
| Total domestic deposits to total assets | 81.8235% | 4,626 |
| Equity capital to assets | 12.8339% | 1,818 |
| Core capital (leverage) ratio | 12.5224% | 1,679 |
| Tier 1 risk-based capital ratio | 17.2407% | 2,256 |
| Total risk-based capital ratio | 18.4907% | 2,203 |
| Memoranda: | ||
| Average total assets | $456,387,500 | 1,560 |
| Average earning assets | $415,601,500 | 1,564 |
| Average equity | $59,094,000 | 1,154 |
| Average total loans | $319,634,000 | 1,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9929% | 47 |
| Cost of funding earning assets | 2.2702% | 5,291 |
| Net interest margin | 7.7227% | 41 |
| Noninterest income to average assets | 5.1326% | 125 |
| Noninterest expense to average assets | 5.1860% | 577 |
| Loan and lease loss provision to assets | 4.8660% | 112 |
| Net operating income to assets | 1.4503% | 1,124 |
| Return on assets (ROA) | 1.4503% | 1,076 |
| Pretax return on assets | 2.1974% | 402 |
| Return on Equity (ROE) | 11.5061% | 1,751 |
| Retained earnings to average equity (ytd only) | 7.3100% | 1,055 |
| Net charge-offs to loans | 6.2541% | 51 |
| Credit loss provision to net charge-offs | 106.7853% | 5,025 |
| Earnings coverage of net charge-offs (x) | 1.5501% | 5,324 |
| Efficiency ratio | 42.2989% | 8,066 |
| Assets per employee ($millions) | 2.9736% | 6,118 |
| Cash dividends to net income (ytd only)* | 36.4686% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3975% | 146 |
| Loan loss allowance to noncurrent loans | 139.3750% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 3.5731% | 1,236 |
| Noncurrent loans to loans | 3.1551% | 1,677 |
| Net loans and leases to total assets | 68.6472% | 4,333 |
| Net loans and leases to deposits | 84.3651% | 4,373 |
| Net loans and leases to core deposits | 106.3157% | 4,158 |
| Total domestic deposits to total assets | 81.3692% | 4,477 |
| Equity capital to assets | 13.0647% | 1,759 |
| Core capital (leverage) ratio | 12.7666% | 1,636 |
| Tier 1 risk-based capital ratio | 16.8229% | 2,372 |
| Total risk-based capital ratio | 18.0729% | 2,309 |
| Memoranda: | ||
| Average total assets | $453,762,000 | 1,514 |
| Average earning assets | $418,158,400 | 1,493 |
| Average equity | $57,195,600 | 1,172 |
| Average total loans | $330,613,200 | 1,466 |