Home > First Security Bank and Trust Company > Performance and Condition Ratios
First Security Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 3,404 |
| Cost of funding earning assets | 1.3083% | 2,493 |
| Net interest margin | 3.0151% | 3,247 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.9306% | 1,217 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | -0.0741% | 4,419 |
| Return on assets (ROA) | -0.0607% | 4,401 |
| Pretax return on assets | -0.0657% | 4,390 |
| Return on Equity (ROE) | -0.8600% | 4,382 |
| Retained earnings to average equity (ytd only) | -2.0950% | 4,274 |
| Net charge-offs to loans | 0.5710% | 172 |
| Credit loss provision to net charge-offs | 136.2576% | 1,551 |
| Earnings coverage of net charge-offs (x) | 1.1433% | 2,776 |
| Efficiency ratio | 87.2345% | 511 |
| Assets per employee ($millions) | 5.3253% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 646 |
| Loan loss allowance to noncurrent loans | 170.3565% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 793 |
| Noncurrent loans to loans | 1.0022% | 738 |
| Net loans and leases to total assets | 63.0400% | 2,568 |
| Net loans and leases to deposits | 71.9041% | 2,758 |
| Net loans and leases to core deposits | 78.4551% | 2,804 |
| Total domestic deposits to total assets | 87.6700% | 1,462 |
| Equity capital to assets | 7.6308% | 3,640 |
| Core capital (leverage) ratio | 8.5648% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1017% | 2,207 |
| Memoranda: | ||
| Average total assets | $586,267,200 | 1,510 |
| Average earning assets | $543,141,000 | 1,514 |
| Average equity | $41,574,200 | 1,828 |
| Average total loans | $375,333,400 | 1,533 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 3,280 |
| Cost of funding earning assets | 1.2414% | 2,297 |
| Net interest margin | 3.0657% | 3,210 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.9356% | 1,165 |
| Loan and lease loss provision to assets | 0.6300% | 118 |
| Net operating income to assets | -0.1622% | 4,489 |
| Return on assets (ROA) | -0.1520% | 4,473 |
| Pretax return on assets | -0.1613% | 4,465 |
| Return on Equity (ROE) | -2.1800% | 4,457 |
| Retained earnings to average equity (ytd only) | -3.4560% | 4,378 |
| Net charge-offs to loans | 0.7927% | 114 |
| Credit loss provision to net charge-offs | 125.1789% | 1,449 |
| Earnings coverage of net charge-offs (x) | 0.9123% | 2,555 |
| Efficiency ratio | 86.1015% | 514 |
| Assets per employee ($millions) | 5.2264% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 762 |
| Loan loss allowance to noncurrent loans | 158.1767% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 838 |
| Noncurrent loans to loans | 1.0526% | 763 |
| Net loans and leases to total assets | 63.6800% | 2,478 |
| Net loans and leases to deposits | 70.4054% | 2,820 |
| Net loans and leases to core deposits | 75.2303% | 2,917 |
| Total domestic deposits to total assets | 90.4500% | 826 |
| Equity capital to assets | 6.9395% | 3,643 |
| Core capital (leverage) ratio | 8.4716% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1770% | 2,211 |
| Memoranda: | ||
| Average total assets | $587,720,750 | 1,516 |
| Average earning assets | $544,513,500 | 1,514 |
| Average equity | $40,894,500 | 1,832 |
| Average total loans | $376,099,500 | 1,530 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 3,139 |
| Cost of funding earning assets | 1.1566% | 2,118 |
| Net interest margin | 3.1194% | 3,174 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.8336% | 1,353 |
| Loan and lease loss provision to assets | 0.8100% | 88 |
| Net operating income to assets | -0.1808% | 4,530 |
| Return on assets (ROA) | -0.1681% | 4,510 |
| Pretax return on assets | -0.1782% | 4,505 |
| Return on Equity (ROE) | -2.4100% | 4,503 |
| Retained earnings to average equity (ytd only) | -3.8164% | 4,379 |
| Net charge-offs to loans | 0.4544% | 188 |
| Credit loss provision to net charge-offs | 279.4186% | 897 |
| Earnings coverage of net charge-offs (x) | 2.1326% | 2,322 |
| Efficiency ratio | 81.8271% | 720 |
| Assets per employee ($millions) | 5.3366% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 487 |
| Loan loss allowance to noncurrent loans | 146.8454% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 591 |
| Noncurrent loans to loans | 1.3035% | 542 |
| Net loans and leases to total assets | 63.3200% | 2,453 |
| Net loans and leases to deposits | 72.5508% | 2,609 |
| Net loans and leases to core deposits | 76.3806% | 2,739 |
| Total domestic deposits to total assets | 87.2800% | 1,836 |
| Equity capital to assets | 7.3933% | 3,582 |
| Core capital (leverage) ratio | 8.3244% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1550% | 2,233 |
| Memoranda: | ||
| Average total assets | $593,734,000 | 1,492 |
| Average earning assets | $550,048,667 | 1,497 |
| Average equity | $41,348,333 | 1,832 |
| Average total loans | $378,497,000 | 1,515 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 3,036 |
| Cost of funding earning assets | 0.9736% | 2,139 |
| Net interest margin | 3.2294% | 3,044 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.9209% | 1,193 |
| Loan and lease loss provision to assets | 1.6400% | 48 |
| Net operating income to assets | -0.9740% | 4,619 |
| Return on assets (ROA) | -0.9595% | 4,610 |
| Pretax return on assets | -1.0106% | 4,605 |
| Return on Equity (ROE) | -14.2000% | 4,619 |
| Retained earnings to average equity (ytd only) | -16.1603% | 4,563 |
| Net charge-offs to loans | 0.7262% | 107 |
| Credit loss provision to net charge-offs | 355.8442% | 637 |
| Earnings coverage of net charge-offs (x) | 1.3290% | 1,972 |
| Efficiency ratio | 82.4248% | 679 |
| Assets per employee ($millions) | 5.4819% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 522 |
| Loan loss allowance to noncurrent loans | 1,324.6847% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 2,892 |
| Noncurrent loans to loans | 0.1442% | 2,774 |
| Net loans and leases to total assets | 62.6100% | 2,397 |
| Net loans and leases to deposits | 73.3818% | 2,348 |
| Net loans and leases to core deposits | 76.2482% | 2,508 |
| Total domestic deposits to total assets | 85.3200% | 2,768 |
| Equity capital to assets | 6.7705% | 3,928 |
| Core capital (leverage) ratio | 7.7430% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1733% | 2,669 |
| Memoranda: | ||
| Average total assets | $602,426,500 | 1,493 |
| Average earning assets | $557,503,000 | 1,498 |
| Average equity | $40,717,000 | 1,874 |
| Average total loans | $381,702,500 | 1,519 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 2,667 |
| Cost of funding earning assets | 0.4081% | 2,022 |
| Net interest margin | 3.2382% | 2,742 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.6782% | 1,614 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8166% | 3,270 |
| Return on assets (ROA) | 0.7962% | 3,270 |
| Pretax return on assets | 0.8353% | 3,531 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | -5.6473% | 4,588 |
| Net charge-offs to loans | -0.0748% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6625% | 1,152 |
| Assets per employee ($millions) | 5.3260% | 3,391 |
| Cash dividends to net income (ytd only)* | 157.4009% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,691 |
| Loan loss allowance to noncurrent loans | 611.1377% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,560 |
| Noncurrent loans to loans | 0.2206% | 2,390 |
| Net loans and leases to total assets | 62.0400% | 2,435 |
| Net loans and leases to deposits | 73.0809% | 2,321 |
| Net loans and leases to core deposits | 74.0484% | 2,559 |
| Total domestic deposits to total assets | 84.9000% | 3,020 |
| Equity capital to assets | 6.7472% | 3,790 |
| Core capital (leverage) ratio | 8.0508% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6517% | 2,508 |
| Memoranda: | ||
| Average total assets | $605,035,600 | 1,468 |
| Average earning assets | $565,987,600 | 1,463 |
| Average equity | $48,961,800 | 1,649 |
| Average total loans | $354,363,200 | 1,534 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 2,589 |
| Cost of funding earning assets | 0.3130% | 2,032 |
| Net interest margin | 3.1973% | 2,632 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.6931% | 1,488 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7882% | 3,308 |
| Return on assets (ROA) | 0.7817% | 3,274 |
| Pretax return on assets | 0.8202% | 3,530 |
| Return on Equity (ROE) | 9.2800% | 2,944 |
| Retained earnings to average equity (ytd only) | -2.4289% | 4,514 |
| Net charge-offs to loans | -0.0995% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3941% | 1,127 |
| Assets per employee ($millions) | 5.2119% | 3,490 |
| Cash dividends to net income (ytd only)* | 126.1824% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,613 |
| Loan loss allowance to noncurrent loans | 5,140.8163% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,797 |
| Noncurrent loans to loans | 0.0272% | 3,707 |
| Net loans and leases to total assets | 59.8200% | 2,522 |
| Net loans and leases to deposits | 66.7002% | 2,658 |
| Net loans and leases to core deposits | 67.5985% | 2,835 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 6.8875% | 3,573 |
| Core capital (leverage) ratio | 8.4182% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5760% | 2,229 |
| Memoranda: | ||
| Average total assets | $605,834,750 | 1,476 |
| Average earning assets | $567,751,250 | 1,459 |
| Average equity | $51,050,500 | 1,621 |
| Average total loans | $348,326,500 | 1,546 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3364% | 2,620 |
| Cost of funding earning assets | 0.2883% | 1,815 |
| Net interest margin | 3.0481% | 2,725 |
| Noninterest income to average assets | 0.5986% | 1,744 |
| Noninterest expense to average assets | 2.6517% | 1,500 |
| Loan and lease loss provision to assets | 0.0394% | 1,877 |
| Net operating income to assets | 0.7297% | 3,211 |
| Return on assets (ROA) | 0.7203% | 3,190 |
| Pretax return on assets | 0.7557% | 3,437 |
| Return on Equity (ROE) | 8.0696% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.9251% | 3,471 |
| Net charge-offs to loans | -0.0593% | 4,303 |
| Credit loss provision to net charge-offs | -117.6471% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4471% | 1,228 |
| Assets per employee ($millions) | 5.3788% | 3,361 |
| Cash dividends to net income (ytd only)* | 63.7523% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,879 |
| Loan loss allowance to noncurrent loans | 1,606.6667% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,426 |
| Noncurrent loans to loans | 0.0854% | 3,352 |
| Net loans and leases to total assets | 57.0293% | 2,635 |
| Net loans and leases to deposits | 64.1013% | 2,713 |
| Net loans and leases to core deposits | 65.0000% | 2,899 |
| Total domestic deposits to total assets | 88.9675% | 2,199 |
| Equity capital to assets | 7.9243% | 3,180 |
| Core capital (leverage) ratio | 8.4393% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1673% | 1,990 |
| Memoranda: | ||
| Average total assets | $609,725,667 | 1,476 |
| Average earning assets | $571,700,667 | 1,467 |
| Average equity | $54,426,333 | 1,567 |
| Average total loans | $344,283,333 | 1,547 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1972% | 2,698 |
| Cost of funding earning assets | 0.2795% | 1,827 |
| Net interest margin | 2.9177% | 2,777 |
| Noninterest income to average assets | 0.6150% | 1,628 |
| Noninterest expense to average assets | 2.5827% | 1,658 |
| Loan and lease loss provision to assets | 0.0393% | 1,649 |
| Net operating income to assets | 0.6946% | 3,079 |
| Return on assets (ROA) | 0.6884% | 3,090 |
| Pretax return on assets | 0.7218% | 3,327 |
| Return on Equity (ROE) | 7.3040% | 2,940 |
| Retained earnings to average equity (ytd only) | 4.8717% | 2,639 |
| Net charge-offs to loans | -0.0200% | 3,912 |
| Credit loss provision to net charge-offs | -352.9412% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8133% | 1,432 |
| Assets per employee ($millions) | 5.5129% | 3,309 |
| Cash dividends to net income (ytd only)* | 33.3016% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,089 |
| Loan loss allowance to noncurrent loans | 658.4507% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 3,012 |
| Noncurrent loans to loans | 0.2060% | 2,792 |
| Net loans and leases to total assets | 54.5840% | 2,679 |
| Net loans and leases to deposits | 62.1230% | 2,707 |
| Net loans and leases to core deposits | 63.2112% | 2,868 |
| Total domestic deposits to total assets | 87.8644% | 2,587 |
| Equity capital to assets | 8.6331% | 3,041 |
| Core capital (leverage) ratio | 8.5674% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3786% | 2,044 |
| Memoranda: | ||
| Average total assets | $610,687,000 | 1,475 |
| Average earning assets | $572,509,500 | 1,469 |
| Average equity | $57,557,500 | 1,536 |
| Average total loans | $340,702,000 | 1,550 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 1,693 |
| Cost of funding earning assets | 0.3475% | 1,955 |
| Net interest margin | 3.5247% | 1,668 |
| Noninterest income to average assets | 0.6258% | 2,043 |
| Noninterest expense to average assets | 2.7120% | 1,607 |
| Loan and lease loss provision to assets | 0.0085% | 2,910 |
| Net operating income to assets | 1.1461% | 2,126 |
| Return on assets (ROA) | 1.1560% | 2,137 |
| Pretax return on assets | 1.2137% | 2,619 |
| Return on Equity (ROE) | 11.1040% | 2,128 |
| Retained earnings to average equity (ytd only) | 5.4337% | 2,602 |
| Net charge-offs to loans | -0.1198% | 4,619 |
| Credit loss provision to net charge-offs | -12.4378% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8731% | 1,870 |
| Assets per employee ($millions) | 5.3911% | 3,362 |
| Cash dividends to net income (ytd only)* | 51.0654% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,070 |
| Loan loss allowance to noncurrent loans | 477.9626% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,801 |
| Noncurrent loans to loans | 0.2857% | 2,575 |
| Net loans and leases to total assets | 55.4958% | 2,678 |
| Net loans and leases to deposits | 65.5431% | 2,554 |
| Net loans and leases to core deposits | 66.6750% | 2,761 |
| Total domestic deposits to total assets | 84.6706% | 3,370 |
| Equity capital to assets | 10.2494% | 2,419 |
| Core capital (leverage) ratio | 8.7481% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9127% | 1,885 |
| Memoranda: | ||
| Average total assets | $588,679,600 | 1,476 |
| Average earning assets | $550,824,600 | 1,470 |
| Average equity | $61,284,400 | 1,491 |
| Average total loans | $335,489,200 | 1,569 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 1,509 |
| Cost of funding earning assets | 0.3643% | 1,990 |
| Net interest margin | 3.6474% | 1,474 |
| Noninterest income to average assets | 0.5963% | 2,226 |
| Noninterest expense to average assets | 2.6098% | 1,812 |
| Loan and lease loss provision to assets | 0.0114% | 2,760 |
| Net operating income to assets | 1.3219% | 1,751 |
| Return on assets (ROA) | 1.3327% | 1,788 |
| Pretax return on assets | 1.3996% | 2,331 |
| Return on Equity (ROE) | 12.7516% | 1,780 |
| Retained earnings to average equity (ytd only) | 7.4747% | 2,236 |
| Net charge-offs to loans | -0.0700% | 4,484 |
| Credit loss provision to net charge-offs | -28.4091% | 3,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8534% | 2,265 |
| Assets per employee ($millions) | 5.2969% | 3,406 |
| Cash dividends to net income (ytd only)* | 41.3823% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,339 |
| Loan loss allowance to noncurrent loans | 400.3663% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 2,873 |
| Noncurrent loans to loans | 0.3320% | 2,591 |
| Net loans and leases to total assets | 55.1922% | 2,826 |
| Net loans and leases to deposits | 65.7544% | 2,657 |
| Net loans and leases to core deposits | 66.8994% | 2,871 |
| Total domestic deposits to total assets | 83.9368% | 3,473 |
| Equity capital to assets | 10.6393% | 2,329 |
| Core capital (leverage) ratio | 9.0120% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1100% | 1,928 |
| Memoranda: | ||
| Average total assets | $586,246,250 | 1,500 |
| Average earning assets | $548,576,500 | 1,497 |
| Average equity | $61,272,000 | 1,510 |
| Average total loans | $335,188,500 | 1,604 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 2,315 |
| Cost of funding earning assets | 0.3891% | 1,977 |
| Net interest margin | 3.3159% | 2,395 |
| Noninterest income to average assets | 0.5938% | 2,245 |
| Noninterest expense to average assets | 2.5977% | 1,863 |
| Loan and lease loss provision to assets | 0.0171% | 2,613 |
| Net operating income to assets | 1.0301% | 2,789 |
| Return on assets (ROA) | 1.0391% | 2,838 |
| Pretax return on assets | 1.0907% | 3,247 |
| Return on Equity (ROE) | 10.0025% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,745 |
| Net charge-offs to loans | -0.1038% | 4,638 |
| Credit loss provision to net charge-offs | -28.5714% | 2,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0268% | 1,630 |
| Assets per employee ($millions) | 5.3359% | 3,303 |
| Cash dividends to net income (ytd only)* | 38.6132% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,518 |
| Loan loss allowance to noncurrent loans | 379.0980% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,939 |
| Noncurrent loans to loans | 0.3387% | 2,694 |
| Net loans and leases to total assets | 56.7343% | 2,810 |
| Net loans and leases to deposits | 67.5308% | 2,665 |
| Net loans and leases to core deposits | 68.7499% | 2,888 |
| Total domestic deposits to total assets | 84.0125% | 3,440 |
| Equity capital to assets | 10.3968% | 2,494 |
| Core capital (leverage) ratio | 8.7036% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8398% | 2,033 |
| Memoranda: | ||
| Average total assets | $585,677,333 | 1,487 |
| Average earning assets | $547,903,667 | 1,490 |
| Average equity | $60,844,667 | 1,510 |
| Average total loans | $337,292,667 | 1,605 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4906% | 2,957 |
| Cost of funding earning assets | 0.4314% | 1,855 |
| Net interest margin | 3.0592% | 3,107 |
| Noninterest income to average assets | 0.5680% | 2,335 |
| Noninterest expense to average assets | 2.4136% | 2,456 |
| Loan and lease loss provision to assets | 0.0343% | 2,319 |
| Net operating income to assets | 0.9377% | 3,016 |
| Return on assets (ROA) | 0.9540% | 3,051 |
| Pretax return on assets | 1.0014% | 3,365 |
| Return on Equity (ROE) | 9.1868% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.5995% | 2,384 |
| Net charge-offs to loans | -0.0083% | 3,601 |
| Credit loss provision to net charge-offs | -714.2857% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0420% | 1,695 |
| Assets per employee ($millions) | 4.8369% | 3,819 |
| Cash dividends to net income (ytd only)* | 17.2786% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,729 |
| Loan loss allowance to noncurrent loans | 195.4884% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 2,302 |
| Noncurrent loans to loans | 0.6330% | 1,991 |
| Net loans and leases to total assets | 55.9338% | 3,046 |
| Net loans and leases to deposits | 66.2216% | 2,899 |
| Net loans and leases to core deposits | 67.4496% | 3,114 |
| Total domestic deposits to total assets | 84.4646% | 3,294 |
| Equity capital to assets | 10.0660% | 2,649 |
| Core capital (leverage) ratio | 8.7039% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0390% | 1,886 |
| Memoranda: | ||
| Average total assets | $582,376,000 | 1,488 |
| Average earning assets | $545,234,500 | 1,486 |
| Average equity | $60,478,000 | 1,509 |
| Average total loans | $335,740,500 | 1,608 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,239 |
| Cost of funding earning assets | 0.6857% | 1,800 |
| Net interest margin | 3.1378% | 3,531 |
| Noninterest income to average assets | 0.6712% | 1,949 |
| Noninterest expense to average assets | 2.7937% | 1,957 |
| Loan and lease loss provision to assets | 0.1574% | 2,401 |
| Net operating income to assets | 0.6091% | 3,722 |
| Return on assets (ROA) | 0.7640% | 3,350 |
| Pretax return on assets | 0.8013% | 3,621 |
| Return on Equity (ROE) | 6.9178% | 3,239 |
| Retained earnings to average equity (ytd only) | 1.7324% | 3,930 |
| Net charge-offs to loans | 0.9051% | 153 |
| Credit loss provision to net charge-offs | 28.6885% | 3,223 |
| Earnings coverage of net charge-offs (x) | 1.4501% | 3,257 |
| Efficiency ratio | 77.5399% | 1,076 |
| Assets per employee ($millions) | 5.0899% | 3,294 |
| Cash dividends to net income (ytd only)* | 74.9571% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,689 |
| Loan loss allowance to noncurrent loans | 166.4392% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,199 |
| Noncurrent loans to loans | 0.7507% | 1,824 |
| Net loans and leases to total assets | 57.9944% | 3,087 |
| Net loans and leases to deposits | 69.1370% | 2,970 |
| Net loans and leases to core deposits | 70.8023% | 3,196 |
| Total domestic deposits to total assets | 83.8833% | 3,147 |
| Equity capital to assets | 10.7231% | 2,500 |
| Core capital (leverage) ratio | 8.6083% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8306% | 1,910 |
| Memoranda: | ||
| Average total assets | $533,632,200 | 1,464 |
| Average earning assets | $496,278,800 | 1,463 |
| Average equity | $58,935,000 | 1,469 |
| Average total loans | $323,514,400 | 1,597 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 3,178 |
| Cost of funding earning assets | 0.7296% | 1,857 |
| Net interest margin | 3.1953% | 3,501 |
| Noninterest income to average assets | 0.6897% | 1,831 |
| Noninterest expense to average assets | 2.7447% | 2,134 |
| Loan and lease loss provision to assets | 0.1217% | 2,810 |
| Net operating income to assets | 0.7561% | 3,265 |
| Return on assets (ROA) | 0.8804% | 2,904 |
| Pretax return on assets | 0.9238% | 3,316 |
| Return on Equity (ROE) | 7.9101% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.2145% | 3,856 |
| Net charge-offs to loans | 1.1991% | 109 |
| Credit loss provision to net charge-offs | 16.6033% | 2,984 |
| Earnings coverage of net charge-offs (x) | 1.2477% | 3,083 |
| Efficiency ratio | 74.7142% | 1,339 |
| Assets per employee ($millions) | 4.8183% | 3,468 |
| Cash dividends to net income (ytd only)* | 72.0046% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,981 |
| Loan loss allowance to noncurrent loans | 154.1532% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 2,294 |
| Noncurrent loans to loans | 0.7391% | 1,960 |
| Net loans and leases to total assets | 61.4717% | 3,070 |
| Net loans and leases to deposits | 73.9224% | 2,964 |
| Net loans and leases to core deposits | 75.9385% | 3,170 |
| Total domestic deposits to total assets | 83.1570% | 3,104 |
| Equity capital to assets | 11.2835% | 2,162 |
| Core capital (leverage) ratio | 9.1348% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0030% | 1,830 |
| Memoranda: | ||
| Average total assets | $525,795,500 | 1,466 |
| Average earning assets | $488,666,250 | 1,460 |
| Average equity | $58,523,000 | 1,466 |
| Average total loans | $321,442,500 | 1,605 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 3,510 |
| Cost of funding earning assets | 0.7745% | 1,964 |
| Net interest margin | 3.1615% | 3,760 |
| Noninterest income to average assets | 0.6631% | 1,890 |
| Noninterest expense to average assets | 2.7948% | 2,110 |
| Loan and lease loss provision to assets | 0.0077% | 4,096 |
| Net operating income to assets | 0.7577% | 3,192 |
| Return on assets (ROA) | 0.7621% | 3,291 |
| Pretax return on assets | 0.7993% | 3,586 |
| Return on Equity (ROE) | 6.8799% | 3,177 |
| Retained earnings to average equity (ytd only) | -0.9145% | 4,467 |
| Net charge-offs to loans | 0.0461% | 1,828 |
| Credit loss provision to net charge-offs | 27.3973% | 2,710 |
| Earnings coverage of net charge-offs (x) | 28.6438% | 1,467 |
| Efficiency ratio | 77.3949% | 1,112 |
| Assets per employee ($millions) | 4.8232% | 3,396 |
| Cash dividends to net income (ytd only)* | 113.2931% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 576 |
| Loan loss allowance to noncurrent loans | 110.8700% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,136 |
| Noncurrent loans to loans | 1.6787% | 863 |
| Net loans and leases to total assets | 59.8002% | 3,350 |
| Net loans and leases to deposits | 71.7123% | 3,287 |
| Net loans and leases to core deposits | 74.6042% | 3,412 |
| Total domestic deposits to total assets | 83.3889% | 2,963 |
| Equity capital to assets | 10.9363% | 2,403 |
| Core capital (leverage) ratio | 8.8886% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8357% | 1,881 |
| Memoranda: | ||
| Average total assets | $521,175,667 | 1,459 |
| Average earning assets | $483,690,000 | 1,448 |
| Average equity | $57,733,333 | 1,467 |
| Average total loans | $316,737,333 | 1,613 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 3,602 |
| Cost of funding earning assets | 0.8610% | 2,053 |
| Net interest margin | 3.2097% | 3,830 |
| Noninterest income to average assets | 0.5475% | 2,296 |
| Noninterest expense to average assets | 2.6761% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8013% | 2,902 |
| Return on assets (ROA) | 0.8326% | 2,868 |
| Pretax return on assets | 0.8734% | 3,213 |
| Return on Equity (ROE) | 7.4651% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.7045% | 1,992 |
| Net charge-offs to loans | -0.0142% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7874% | 1,585 |
| Assets per employee ($millions) | 4.5614% | 3,180 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 524 |
| Loan loss allowance to noncurrent loans | 124.2539% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 1,341 |
| Noncurrent loans to loans | 1.5871% | 989 |
| Net loans and leases to total assets | 59.7003% | 3,532 |
| Net loans and leases to deposits | 71.8498% | 3,441 |
| Net loans and leases to core deposits | 75.0445% | 3,568 |
| Total domestic deposits to total assets | 83.0904% | 3,081 |
| Equity capital to assets | 10.9938% | 2,859 |
| Core capital (leverage) ratio | 9.6054% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2025% | 1,845 |
| Memoranda: | ||
| Average total assets | $509,252,500 | 1,447 |
| Average earning assets | $471,066,000 | 1,442 |
| Average equity | $56,797,500 | 1,482 |
| Average total loans | $309,053,500 | 1,600 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,580 |
| Cost of funding earning assets | 0.9025% | 2,179 |
| Net interest margin | 3.3821% | 3,792 |
| Noninterest income to average assets | 0.5936% | 2,261 |
| Noninterest expense to average assets | 2.9419% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7345% | 3,752 |
| Return on assets (ROA) | 0.7660% | 3,739 |
| Pretax return on assets | 0.8032% | 3,964 |
| Return on Equity (ROE) | 6.9522% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.7828% | 3,087 |
| Net charge-offs to loans | 0.1077% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.8938% | 2,457 |
| Efficiency ratio | 78.9502% | 1,042 |
| Assets per employee ($millions) | 4.2607% | 3,566 |
| Cash dividends to net income (ytd only)* | 45.5890% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 411 |
| Loan loss allowance to noncurrent loans | 116.8510% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 1,083 |
| Noncurrent loans to loans | 1.7700% | 767 |
| Net loans and leases to total assets | 59.2144% | 3,653 |
| Net loans and leases to deposits | 71.9674% | 3,525 |
| Net loans and leases to core deposits | 74.8663% | 3,655 |
| Total domestic deposits to total assets | 82.2794% | 3,426 |
| Equity capital to assets | 11.3193% | 2,688 |
| Core capital (leverage) ratio | 9.5598% | 4,002 |
| Tier 1 risk-based capital ratio | 14.3159% | 3,110 |
| Total risk-based capital ratio | 15.5737% | 3,014 |
| Memoranda: | ||
| Average total assets | $494,274,200 | 1,442 |
| Average earning assets | $455,717,600 | 1,443 |
| Average equity | $54,457,600 | 1,482 |
| Average total loans | $297,088,000 | 1,617 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 3,659 |
| Cost of funding earning assets | 0.9005% | 2,233 |
| Net interest margin | 3.3979% | 3,865 |
| Noninterest income to average assets | 0.5901% | 2,260 |
| Noninterest expense to average assets | 2.8952% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7910% | 3,700 |
| Return on assets (ROA) | 0.8123% | 3,720 |
| Pretax return on assets | 0.8518% | 4,002 |
| Return on Equity (ROE) | 7.4244% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,507 |
| Net charge-offs to loans | 0.0815% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 16.9501% | 2,118 |
| Efficiency ratio | 77.4278% | 1,162 |
| Assets per employee ($millions) | 4.2185% | 3,589 |
| Cash dividends to net income (ytd only)* | 49.1181% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 397 |
| Loan loss allowance to noncurrent loans | 120.6740% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 1,174 |
| Noncurrent loans to loans | 1.7342% | 840 |
| Net loans and leases to total assets | 60.4175% | 3,639 |
| Net loans and leases to deposits | 73.8011% | 3,490 |
| Net loans and leases to core deposits | 77.0920% | 3,621 |
| Total domestic deposits to total assets | 81.8654% | 3,508 |
| Equity capital to assets | 11.4399% | 2,705 |
| Core capital (leverage) ratio | 9.7047% | 3,965 |
| Tier 1 risk-based capital ratio | 14.0470% | 3,303 |
| Total risk-based capital ratio | 15.3052% | 3,208 |
| Memoranda: | ||
| Average total assets | $493,216,750 | 1,449 |
| Average earning assets | $454,973,500 | 1,455 |
| Average equity | $53,965,250 | 1,495 |
| Average total loans | $296,005,000 | 1,635 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 3,694 |
| Cost of funding earning assets | 0.8922% | 2,189 |
| Net interest margin | 3.3879% | 3,928 |
| Noninterest income to average assets | 0.5743% | 2,266 |
| Noninterest expense to average assets | 2.9183% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7478% | 3,839 |
| Return on assets (ROA) | 0.7609% | 3,854 |
| Pretax return on assets | 0.7978% | 4,100 |
| Return on Equity (ROE) | 7.0616% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.1971% | 3,150 |
| Net charge-offs to loans | 0.1187% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.1092% | 2,223 |
| Efficiency ratio | 78.5167% | 1,090 |
| Assets per employee ($millions) | 4.1325% | 3,678 |
| Cash dividends to net income (ytd only)* | 40.5650% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 341 |
| Loan loss allowance to noncurrent loans | 111.2855% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 1,107 |
| Noncurrent loans to loans | 1.9542% | 741 |
| Net loans and leases to total assets | 58.8520% | 3,837 |
| Net loans and leases to deposits | 71.0040% | 3,767 |
| Net loans and leases to core deposits | 75.2453% | 3,792 |
| Total domestic deposits to total assets | 82.8855% | 3,245 |
| Equity capital to assets | 11.4053% | 2,697 |
| Core capital (leverage) ratio | 9.5454% | 4,109 |
| Tier 1 risk-based capital ratio | 14.2604% | 3,182 |
| Total risk-based capital ratio | 15.5195% | 3,094 |
| Memoranda: | ||
| Average total assets | $493,099,330 | 1,451 |
| Average earning assets | $455,265,000 | 1,455 |
| Average equity | $53,132,330 | 1,508 |
| Average total loans | $293,148,000 | 1,646 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 3,759 |
| Cost of funding earning assets | 0.8519% | 2,263 |
| Net interest margin | 3.3840% | 3,927 |
| Noninterest income to average assets | 0.5405% | 2,335 |
| Noninterest expense to average assets | 2.7800% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8406% | 3,481 |
| Return on assets (ROA) | 0.8398% | 3,526 |
| Pretax return on assets | 0.8809% | 3,827 |
| Return on Equity (ROE) | 8.0246% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.9433% | 2,475 |
| Net charge-offs to loans | 0.2921% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.1075% | 2,278 |
| Efficiency ratio | 75.6114% | 1,544 |
| Assets per employee ($millions) | 4.0010% | 3,924 |
| Cash dividends to net income (ytd only)* | 25.9366% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 385 |
| Loan loss allowance to noncurrent loans | 106.3580% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,089 |
| Noncurrent loans to loans | 2.0213% | 730 |
| Net loans and leases to total assets | 58.6364% | 3,820 |
| Net loans and leases to deposits | 70.6888% | 3,719 |
| Net loans and leases to core deposits | 74.8391% | 3,746 |
| Total domestic deposits to total assets | 82.9500% | 3,403 |
| Equity capital to assets | 10.8352% | 3,012 |
| Core capital (leverage) ratio | 9.4382% | 4,216 |
| Tier 1 risk-based capital ratio | 13.9568% | 3,358 |
| Total risk-based capital ratio | 15.2153% | 3,273 |
| Memoranda: | ||
| Average total assets | $495,833,000 | 1,447 |
| Average earning assets | $457,329,500 | 1,460 |
| Average equity | $51,890,500 | 1,531 |
| Average total loans | $293,041,500 | 1,658 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,562 |
| Cost of funding earning assets | 0.6827% | 2,195 |
| Net interest margin | 3.4740% | 3,790 |
| Noninterest income to average assets | 0.7960% | 1,459 |
| Noninterest expense to average assets | 2.9229% | 2,268 |
| Loan and lease loss provision to assets | 0.1424% | 1,507 |
| Net operating income to assets | 0.8845% | 3,478 |
| Return on assets (ROA) | 0.8845% | 3,473 |
| Pretax return on assets | 0.9278% | 3,821 |
| Return on Equity (ROE) | 8.5549% | 3,198 |
| Retained earnings to average equity (ytd only) | -0.1043% | 4,999 |
| Net charge-offs to loans | 0.1826% | 1,055 |
| Credit loss provision to net charge-offs | 130.3538% | 2,028 |
| Earnings coverage of net charge-offs (x) | 9.7952% | 2,780 |
| Efficiency ratio | 72.8917% | 1,785 |
| Assets per employee ($millions) | 4.0613% | 3,807 |
| Cash dividends to net income (ytd only)* | 101.2192% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2509% | 299 |
| Loan loss allowance to noncurrent loans | 103.8833% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 1,019 |
| Noncurrent loans to loans | 2.1667% | 599 |
| Net loans and leases to total assets | 56.9772% | 4,051 |
| Net loans and leases to deposits | 68.6936% | 3,927 |
| Net loans and leases to core deposits | 71.9514% | 3,990 |
| Total domestic deposits to total assets | 82.9440% | 3,344 |
| Equity capital to assets | 10.1009% | 3,570 |
| Core capital (leverage) ratio | 9.3272% | 4,329 |
| Tier 1 risk-based capital ratio | 13.7774% | 3,400 |
| Total risk-based capital ratio | 15.0371% | 3,324 |
| Memoranda: | ||
| Average total assets | $491,471,400 | 1,434 |
| Average earning assets | $452,300,200 | 1,444 |
| Average equity | $50,812,800 | 1,497 |
| Average total loans | $294,153,400 | 1,618 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,487 |
| Cost of funding earning assets | 0.6531% | 2,135 |
| Net interest margin | 3.4891% | 3,727 |
| Noninterest income to average assets | 0.8908% | 1,226 |
| Noninterest expense to average assets | 2.8616% | 2,427 |
| Loan and lease loss provision to assets | 0.1907% | 931 |
| Net operating income to assets | 1.0008% | 3,079 |
| Return on assets (ROA) | 1.0008% | 3,093 |
| Pretax return on assets | 1.0501% | 3,575 |
| Return on Equity (ROE) | 9.6236% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.6776% | 3,929 |
| Net charge-offs to loans | 0.2256% | 757 |
| Credit loss provision to net charge-offs | 140.2806% | 1,806 |
| Earnings coverage of net charge-offs (x) | 9.1282% | 2,665 |
| Efficiency ratio | 69.4489% | 2,278 |
| Assets per employee ($millions) | 3.8308% | 4,136 |
| Cash dividends to net income (ytd only)* | 61.7856% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2364% | 337 |
| Loan loss allowance to noncurrent loans | 87.1958% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 785 |
| Noncurrent loans to loans | 2.5648% | 503 |
| Net loans and leases to total assets | 60.1799% | 3,823 |
| Net loans and leases to deposits | 73.5202% | 3,643 |
| Net loans and leases to core deposits | 77.1636% | 3,725 |
| Total domestic deposits to total assets | 81.8549% | 3,657 |
| Equity capital to assets | 10.5629% | 3,081 |
| Core capital (leverage) ratio | 9.7582% | 3,890 |
| Tier 1 risk-based capital ratio | 14.1012% | 3,320 |
| Total risk-based capital ratio | 15.3606% | 3,230 |
| Memoranda: | ||
| Average total assets | $489,454,750 | 1,442 |
| Average earning assets | $450,539,750 | 1,454 |
| Average equity | $50,901,500 | 1,487 |
| Average total loans | $294,897,500 | 1,625 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,571 |
| Cost of funding earning assets | 0.6363% | 2,010 |
| Net interest margin | 3.4261% | 3,878 |
| Noninterest income to average assets | 1.0134% | 932 |
| Noninterest expense to average assets | 2.8925% | 2,376 |
| Loan and lease loss provision to assets | 0.2231% | 730 |
| Net operating income to assets | 0.9988% | 3,027 |
| Return on assets (ROA) | 0.9988% | 3,026 |
| Pretax return on assets | 1.0479% | 3,522 |
| Return on Equity (ROE) | 9.6533% | 2,735 |
| Retained earnings to average equity (ytd only) | 2.7917% | 4,138 |
| Net charge-offs to loans | 0.3302% | 483 |
| Credit loss provision to net charge-offs | 112.9363% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.4333% | 2,628 |
| Efficiency ratio | 69.1611% | 2,454 |
| Assets per employee ($millions) | 3.8584% | 4,124 |
| Cash dividends to net income (ytd only)* | 71.0804% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2321% | 351 |
| Loan loss allowance to noncurrent loans | 73.8022% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8154% | 638 |
| Noncurrent loans to loans | 3.0244% | 375 |
| Net loans and leases to total assets | 58.6136% | 3,939 |
| Net loans and leases to deposits | 70.8814% | 3,790 |
| Net loans and leases to core deposits | 73.9145% | 3,885 |
| Total domestic deposits to total assets | 82.6925% | 3,497 |
| Equity capital to assets | 10.5012% | 3,118 |
| Core capital (leverage) ratio | 9.4196% | 4,222 |
| Tier 1 risk-based capital ratio | 14.0063% | 3,355 |
| Total risk-based capital ratio | 15.2656% | 3,271 |
| Memoranda: | ||
| Average total assets | $492,991,000 | 1,435 |
| Average earning assets | $453,279,000 | 1,446 |
| Average equity | $51,008,670 | 1,488 |
| Average total loans | $294,943,000 | 1,631 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 3,603 |
| Cost of funding earning assets | 0.6119% | 1,964 |
| Net interest margin | 3.3891% | 3,920 |
| Noninterest income to average assets | 0.5835% | 2,343 |
| Noninterest expense to average assets | 2.7925% | 2,713 |
| Loan and lease loss provision to assets | 0.2609% | 550 |
| Net operating income to assets | 0.6044% | 4,413 |
| Return on assets (ROA) | 0.6044% | 4,419 |
| Pretax return on assets | 0.6333% | 4,606 |
| Return on Equity (ROE) | 5.8841% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.5398% | 3,790 |
| Net charge-offs to loans | 0.0054% | 2,544 |
| Credit loss provision to net charge-offs | 8,125.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 243 |
| Efficiency ratio | 75.3538% | 1,694 |
| Assets per employee ($millions) | 3.9950% | 3,988 |
| Cash dividends to net income (ytd only)* | 39.8406% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 354 |
| Loan loss allowance to noncurrent loans | 90.1545% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8448% | 654 |
| Noncurrent loans to loans | 2.4948% | 548 |
| Net loans and leases to total assets | 58.8863% | 3,860 |
| Net loans and leases to deposits | 70.8208% | 3,719 |
| Net loans and leases to core deposits | 74.2823% | 3,799 |
| Total domestic deposits to total assets | 83.1483% | 3,617 |
| Equity capital to assets | 10.2063% | 3,384 |
| Core capital (leverage) ratio | 9.3716% | 4,221 |
| Tier 1 risk-based capital ratio | 13.5881% | 3,607 |
| Total risk-based capital ratio | 14.8477% | 3,512 |
| Memoranda: | ||
| Average total assets | $498,333,500 | 1,431 |
| Average earning assets | $456,283,000 | 1,441 |
| Average equity | $51,189,000 | 1,500 |
| Average total loans | $297,839,000 | 1,613 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,146 |
| Cost of funding earning assets | 0.5907% | 1,666 |
| Net interest margin | 3.4854% | 3,572 |
| Noninterest income to average assets | 0.6155% | 2,377 |
| Noninterest expense to average assets | 2.7737% | 2,870 |
| Loan and lease loss provision to assets | 0.2509% | 743 |
| Net operating income to assets | 0.7528% | 3,381 |
| Return on assets (ROA) | 0.7528% | 3,418 |
| Pretax return on assets | 0.7893% | 4,276 |
| Return on Equity (ROE) | 7.2682% | 3,140 |
| Retained earnings to average equity (ytd only) | 3.6855% | 3,025 |
| Net charge-offs to loans | 0.3040% | 852 |
| Credit loss provision to net charge-offs | 137.8170% | 1,917 |
| Earnings coverage of net charge-offs (x) | 5.7144% | 3,282 |
| Efficiency ratio | 72.3096% | 2,177 |
| Assets per employee ($millions) | 4.0426% | 3,895 |
| Cash dividends to net income (ytd only)* | 49.2935% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 407 |
| Loan loss allowance to noncurrent loans | 156.2974% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 1,289 |
| Noncurrent loans to loans | 1.3756% | 1,258 |
| Net loans and leases to total assets | 58.0234% | 4,004 |
| Net loans and leases to deposits | 69.8244% | 3,894 |
| Net loans and leases to core deposits | 73.8357% | 3,891 |
| Total domestic deposits to total assets | 83.0991% | 3,528 |
| Equity capital to assets | 10.3370% | 3,343 |
| Core capital (leverage) ratio | 9.1055% | 4,515 |
| Tier 1 risk-based capital ratio | 13.5410% | 3,606 |
| Total risk-based capital ratio | 14.7993% | 3,508 |
| Memoranda: | ||
| Average total assets | $498,259,600 | 1,408 |
| Average earning assets | $457,228,000 | 1,422 |
| Average equity | $51,608,200 | 1,484 |
| Average total loans | $298,383,200 | 1,575 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,071 |
| Cost of funding earning assets | 0.5862% | 1,629 |
| Net interest margin | 3.4889% | 3,540 |
| Noninterest income to average assets | 0.5205% | 2,896 |
| Noninterest expense to average assets | 2.7258% | 2,978 |
| Loan and lease loss provision to assets | 0.2345% | 769 |
| Net operating income to assets | 0.7335% | 3,804 |
| Return on assets (ROA) | 0.7335% | 3,876 |
| Pretax return on assets | 0.7692% | 4,430 |
| Return on Equity (ROE) | 7.0782% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.5206% | 3,213 |
| Net charge-offs to loans | 0.6678% | 291 |
| Credit loss provision to net charge-offs | 58.4893% | 2,822 |
| Earnings coverage of net charge-offs (x) | 2.5033% | 3,456 |
| Efficiency ratio | 72.6646% | 2,104 |
| Assets per employee ($millions) | 3.9728% | 4,030 |
| Cash dividends to net income (ytd only)* | 36.1344% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 685 |
| Loan loss allowance to noncurrent loans | 104.9507% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 645 |
| Noncurrent loans to loans | 1.8194% | 976 |
| Net loans and leases to total assets | 56.5940% | 4,187 |
| Net loans and leases to deposits | 68.4743% | 4,080 |
| Net loans and leases to core deposits | 71.8706% | 4,141 |
| Total domestic deposits to total assets | 82.6499% | 3,570 |
| Equity capital to assets | 10.7693% | 3,096 |
| Core capital (leverage) ratio | 9.2165% | 4,499 |
| Tier 1 risk-based capital ratio | 13.9115% | 3,488 |
| Total risk-based capital ratio | 15.1668% | 3,412 |
| Memoranda: | ||
| Average total assets | $497,502,750 | 1,418 |
| Average earning assets | $457,596,500 | 1,430 |
| Average equity | $51,555,750 | 1,500 |
| Average total loans | $298,665,250 | 1,583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,057 |
| Cost of funding earning assets | 0.5782% | 1,588 |
| Net interest margin | 3.4588% | 3,552 |
| Noninterest income to average assets | 0.5061% | 2,985 |
| Noninterest expense to average assets | 2.7540% | 2,911 |
| Loan and lease loss provision to assets | 0.3005% | 511 |
| Net operating income to assets | 0.6083% | 4,266 |
| Return on assets (ROA) | 0.6083% | 4,310 |
| Pretax return on assets | 0.6371% | 4,727 |
| Return on Equity (ROE) | 5.9463% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.5411% | 3,602 |
| Net charge-offs to loans | 0.9174% | 213 |
| Credit loss provision to net charge-offs | 53.8793% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.6810% | 3,259 |
| Efficiency ratio | 74.1669% | 1,978 |
| Assets per employee ($millions) | 4.0092% | 3,941 |
| Cash dividends to net income (ytd only)* | 40.4480% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 827 |
| Loan loss allowance to noncurrent loans | 74.4321% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.3951% | 472 |
| Noncurrent loans to loans | 2.4621% | 619 |
| Net loans and leases to total assets | 58.2502% | 4,002 |
| Net loans and leases to deposits | 70.6437% | 3,860 |
| Net loans and leases to core deposits | 74.3493% | 3,910 |
| Total domestic deposits to total assets | 82.4563% | 3,746 |
| Equity capital to assets | 10.5232% | 3,310 |
| Core capital (leverage) ratio | 8.9321% | 4,798 |
| Tier 1 risk-based capital ratio | 13.0769% | 3,956 |
| Total risk-based capital ratio | 14.3314% | 3,863 |
| Memoranda: | ||
| Average total assets | $499,130,000 | 1,415 |
| Average earning assets | $459,692,670 | 1,426 |
| Average equity | $51,057,000 | 1,514 |
| Average total loans | $303,480,000 | 1,561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,092 |
| Cost of funding earning assets | 0.5603% | 1,645 |
| Net interest margin | 3.4257% | 3,545 |
| Noninterest income to average assets | 0.4359% | 3,410 |
| Noninterest expense to average assets | 2.6593% | 3,280 |
| Loan and lease loss provision to assets | 0.2999% | 451 |
| Net operating income to assets | 0.6070% | 4,129 |
| Return on assets (ROA) | 0.6070% | 4,181 |
| Pretax return on assets | 0.6358% | 4,644 |
| Return on Equity (ROE) | 6.0205% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.1332% | 3,848 |
| Net charge-offs to loans | 0.8891% | 191 |
| Credit loss provision to net charge-offs | 54.8246% | 1,947 |
| Earnings coverage of net charge-offs (x) | 1.7105% | 2,694 |
| Efficiency ratio | 73.5039% | 2,320 |
| Assets per employee ($millions) | 4.0776% | 3,885 |
| Cash dividends to net income (ytd only)* | 47.9578% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 842 |
| Loan loss allowance to noncurrent loans | 53.1684% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.4620% | 474 |
| Noncurrent loans to loans | 3.5125% | 343 |
| Net loans and leases to total assets | 60.1275% | 3,773 |
| Net loans and leases to deposits | 72.4327% | 3,567 |
| Net loans and leases to core deposits | 76.2800% | 3,627 |
| Total domestic deposits to total assets | 83.0115% | 3,833 |
| Equity capital to assets | 10.1558% | 3,564 |
| Core capital (leverage) ratio | 8.8944% | 4,847 |
| Tier 1 risk-based capital ratio | 12.4298% | 4,425 |
| Total risk-based capital ratio | 13.6846% | 4,328 |
| Memoranda: | ||
| Average total assets | $500,124,000 | 1,422 |
| Average earning assets | $461,217,000 | 1,426 |
| Average equity | $50,428,000 | 1,531 |
| Average total loans | $307,724,000 | 1,540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,640 |
| Cost of funding earning assets | 0.5777% | 1,500 |
| Net interest margin | 3.5783% | 3,149 |
| Noninterest income to average assets | 0.5431% | 2,959 |
| Noninterest expense to average assets | 2.8111% | 2,987 |
| Loan and lease loss provision to assets | 0.8405% | 137 |
| Net operating income to assets | 0.2129% | 5,401 |
| Return on assets (ROA) | 0.2256% | 5,432 |
| Pretax return on assets | 0.2363% | 5,444 |
| Return on Equity (ROE) | 2.1576% | 5,369 |
| Retained earnings to average equity (ytd only) | -1.6093% | 5,500 |
| Net charge-offs to loans | 1.2635% | 130 |
| Credit loss provision to net charge-offs | 102.8489% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.3014% | 4,003 |
| Efficiency ratio | 71.9501% | 2,595 |
| Assets per employee ($millions) | 3.9268% | 4,104 |
| Cash dividends to net income (ytd only)* | 174.5880% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9627% | 707 |
| Loan loss allowance to noncurrent loans | 43.2463% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.2976% | 273 |
| Noncurrent loans to loans | 4.5385% | 199 |
| Net loans and leases to total assets | 60.5761% | 3,790 |
| Net loans and leases to deposits | 73.0062% | 3,614 |
| Net loans and leases to core deposits | 75.7956% | 3,763 |
| Total domestic deposits to total assets | 82.9738% | 3,778 |
| Equity capital to assets | 10.0100% | 3,715 |
| Core capital (leverage) ratio | 8.5976% | 5,173 |
| Tier 1 risk-based capital ratio | 12.2456% | 4,544 |
| Total risk-based capital ratio | 13.5014% | 4,417 |
| Memoranda: | ||
| Average total assets | $511,113,000 | 1,342 |
| Average earning assets | $475,874,200 | 1,332 |
| Average equity | $53,439,600 | 1,439 |
| Average total loans | $330,593,200 | 1,409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,533 |
| Cost of funding earning assets | 0.5785% | 1,498 |
| Net interest margin | 3.6163% | 3,014 |
| Noninterest income to average assets | 0.5614% | 2,867 |
| Noninterest expense to average assets | 2.8195% | 2,937 |
| Loan and lease loss provision to assets | 0.5095% | 241 |
| Net operating income to assets | 0.5777% | 4,377 |
| Return on assets (ROA) | 0.5777% | 4,494 |
| Pretax return on assets | 0.6067% | 4,859 |
| Return on Equity (ROE) | 5.4687% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.0677% | 5,066 |
| Net charge-offs to loans | 0.4414% | 482 |
| Credit loss provision to net charge-offs | 176.5499% | 1,582 |
| Earnings coverage of net charge-offs (x) | 3.8679% | 3,352 |
| Efficiency ratio | 71.0060% | 2,739 |
| Assets per employee ($millions) | 3.9321% | 4,079 |
| Cash dividends to net income (ytd only)* | 80.4759% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 579 |
| Loan loss allowance to noncurrent loans | 35.5249% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 3.8284% | 230 |
| Noncurrent loans to loans | 5.9724% | 118 |
| Net loans and leases to total assets | 62.6424% | 3,560 |
| Net loans and leases to deposits | 76.6708% | 3,328 |
| Net loans and leases to core deposits | 80.8474% | 3,366 |
| Total domestic deposits to total assets | 81.7031% | 4,037 |
| Equity capital to assets | 10.9402% | 3,073 |
| Core capital (leverage) ratio | 8.9340% | 4,902 |
| Tier 1 risk-based capital ratio | 12.2979% | 4,613 |
| Total risk-based capital ratio | 13.5559% | 4,504 |
| Memoranda: | ||
| Average total assets | $514,215,750 | 1,338 |
| Average earning assets | $479,817,250 | 1,326 |
| Average equity | $54,319,500 | 1,423 |
| Average total loans | $336,206,000 | 1,393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,441 |
| Cost of funding earning assets | 0.5826% | 1,451 |
| Net interest margin | 3.6379% | 2,942 |
| Noninterest income to average assets | 0.5066% | 3,149 |
| Noninterest expense to average assets | 2.7471% | 3,213 |
| Loan and lease loss provision to assets | 0.5779% | 196 |
| Net operating income to assets | 0.5482% | 4,486 |
| Return on assets (ROA) | 0.5482% | 4,596 |
| Pretax return on assets | 0.5755% | 4,958 |
| Return on Equity (ROE) | 5.2495% | 4,410 |
| Retained earnings to average equity (ytd only) | 0.4722% | 5,160 |
| Net charge-offs to loans | 0.6262% | 333 |
| Credit loss provision to net charge-offs | 140.1869% | 1,681 |
| Earnings coverage of net charge-offs (x) | 2.7981% | 3,206 |
| Efficiency ratio | 69.6988% | 3,030 |
| Assets per employee ($millions) | 3.8501% | 4,167 |
| Cash dividends to net income (ytd only)* | 91.0049% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 868 |
| Loan loss allowance to noncurrent loans | 37.8828% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 3.4068% | 322 |
| Noncurrent loans to loans | 5.0595% | 167 |
| Net loans and leases to total assets | 63.0757% | 3,491 |
| Net loans and leases to deposits | 77.0886% | 3,257 |
| Net loans and leases to core deposits | 81.2656% | 3,338 |
| Total domestic deposits to total assets | 81.8223% | 4,045 |
| Equity capital to assets | 10.6505% | 3,469 |
| Core capital (leverage) ratio | 8.5894% | 5,275 |
| Tier 1 risk-based capital ratio | 11.7856% | 4,983 |
| Total risk-based capital ratio | 13.0413% | 4,858 |
| Memoranda: | ||
| Average total assets | $519,161,330 | 1,332 |
| Average earning assets | $484,344,330 | 1,315 |
| Average equity | $54,215,000 | 1,429 |
| Average total loans | $341,740,000 | 1,365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,386 |
| Cost of funding earning assets | 0.5799% | 1,477 |
| Net interest margin | 3.6465% | 2,899 |
| Noninterest income to average assets | 0.4731% | 3,325 |
| Noninterest expense to average assets | 2.7735% | 3,176 |
| Loan and lease loss provision to assets | 0.2304% | 799 |
| Net operating income to assets | 0.8318% | 3,085 |
| Return on assets (ROA) | 0.8318% | 3,216 |
| Pretax return on assets | 0.8741% | 3,957 |
| Return on Equity (ROE) | 8.0447% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.3678% | 3,294 |
| Net charge-offs to loans | 1.2402% | 146 |
| Credit loss provision to net charge-offs | 27.9070% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.3377% | 2,833 |
| Efficiency ratio | 70.6873% | 3,005 |
| Assets per employee ($millions) | 3.9571% | 4,027 |
| Cash dividends to net income (ytd only)* | 45.7064% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 2,035 |
| Loan loss allowance to noncurrent loans | 40.7045% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.4599% | 611 |
| Noncurrent loans to loans | 3.6594% | 356 |
| Net loans and leases to total assets | 65.7534% | 2,987 |
| Net loans and leases to deposits | 80.6361% | 2,710 |
| Net loans and leases to core deposits | 86.7744% | 2,676 |
| Total domestic deposits to total assets | 81.5434% | 4,348 |
| Equity capital to assets | 10.5476% | 3,434 |
| Core capital (leverage) ratio | 8.6438% | 5,244 |
| Tier 1 risk-based capital ratio | 11.4658% | 5,250 |
| Total risk-based capital ratio | 12.7168% | 5,154 |
| Memoranda: | ||
| Average total assets | $520,786,000 | 1,332 |
| Average earning assets | $486,272,500 | 1,309 |
| Average equity | $53,849,000 | 1,434 |
| Average total loans | $346,723,000 | 1,343 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 1,996 |
| Cost of funding earning assets | 0.5237% | 1,970 |
| Net interest margin | 3.8474% | 2,208 |
| Noninterest income to average assets | 0.5470% | 3,029 |
| Noninterest expense to average assets | 2.7996% | 3,229 |
| Loan and lease loss provision to assets | 0.6980% | 144 |
| Net operating income to assets | 0.6075% | 4,236 |
| Return on assets (ROA) | 0.6113% | 4,311 |
| Pretax return on assets | 0.6423% | 4,695 |
| Return on Equity (ROE) | 5.7711% | 4,142 |
| Retained earnings to average equity (ytd only) | -2.2644% | 5,768 |
| Net charge-offs to loans | 0.7733% | 295 |
| Credit loss provision to net charge-offs | 134.8211% | 1,943 |
| Earnings coverage of net charge-offs (x) | 2.5810% | 3,873 |
| Efficiency ratio | 67.1361% | 3,723 |
| Assets per employee ($millions) | 4.1855% | 3,594 |
| Cash dividends to net income (ytd only)* | 139.2377% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 1,334 |
| Loan loss allowance to noncurrent loans | 94.0663% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 1,800 |
| Noncurrent loans to loans | 1.8141% | 1,206 |
| Net loans and leases to total assets | 65.2744% | 3,087 |
| Net loans and leases to deposits | 81.0730% | 2,699 |
| Net loans and leases to core deposits | 86.0018% | 2,795 |
| Total domestic deposits to total assets | 80.5131% | 4,603 |
| Equity capital to assets | 10.1342% | 3,825 |
| Core capital (leverage) ratio | 8.4742% | 5,456 |
| Tier 1 risk-based capital ratio | 10.5340% | 5,759 |
| Total risk-based capital ratio | 11.7862% | 5,674 |
| Memoranda: | ||
| Average total assets | $523,607,000 | 1,292 |
| Average earning assets | $488,437,000 | 1,279 |
| Average equity | $55,466,200 | 1,349 |
| Average total loans | $350,572,400 | 1,288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,789 |
| Cost of funding earning assets | 0.5187% | 2,054 |
| Net interest margin | 3.9195% | 1,968 |
| Noninterest income to average assets | 0.5715% | 2,906 |
| Noninterest expense to average assets | 2.8159% | 3,119 |
| Loan and lease loss provision to assets | 0.2124% | 908 |
| Net operating income to assets | 1.1557% | 1,813 |
| Return on assets (ROA) | 1.1619% | 1,855 |
| Pretax return on assets | 1.2215% | 2,726 |
| Return on Equity (ROE) | 11.5644% | 1,509 |
| Retained earnings to average equity (ytd only) | 3.1158% | 4,238 |
| Net charge-offs to loans | 0.3293% | 801 |
| Credit loss provision to net charge-offs | 94.6124% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.3574% | 3,060 |
| Efficiency ratio | 65.9783% | 3,897 |
| Assets per employee ($millions) | 3.7018% | 4,442 |
| Cash dividends to net income (ytd only)* | 73.0572% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,804 |
| Loan loss allowance to noncurrent loans | 91.4822% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,922 |
| Noncurrent loans to loans | 1.7448% | 1,368 |
| Net loans and leases to total assets | 67.7031% | 2,729 |
| Net loans and leases to deposits | 85.5824% | 2,196 |
| Net loans and leases to core deposits | 90.7141% | 2,386 |
| Total domestic deposits to total assets | 79.1087% | 4,950 |
| Equity capital to assets | 10.2433% | 3,880 |
| Core capital (leverage) ratio | 8.9004% | 5,118 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,358 |
| Total risk-based capital ratio | 12.7799% | 5,281 |
| Memoranda: | ||
| Average total assets | $451,897,500 | 1,490 |
| Average earning assets | $423,344,750 | 1,475 |
| Average equity | $45,402,500 | 1,632 |
| Average total loans | $308,097,250 | 1,443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,633 |
| Cost of funding earning assets | 0.5122% | 2,146 |
| Net interest margin | 3.9560% | 1,787 |
| Noninterest income to average assets | 0.5635% | 2,951 |
| Noninterest expense to average assets | 2.7514% | 3,406 |
| Loan and lease loss provision to assets | 0.2118% | 913 |
| Net operating income to assets | 1.2418% | 1,486 |
| Return on assets (ROA) | 1.2510% | 1,521 |
| Pretax return on assets | 1.3150% | 2,313 |
| Return on Equity (ROE) | 12.5323% | 1,213 |
| Retained earnings to average equity (ytd only) | 4.5709% | 3,126 |
| Net charge-offs to loans | 0.1331% | 1,703 |
| Credit loss provision to net charge-offs | 234.1463% | 1,095 |
| Earnings coverage of net charge-offs (x) | 16.7707% | 1,890 |
| Efficiency ratio | 64.0753% | 4,351 |
| Assets per employee ($millions) | 3.6945% | 4,437 |
| Cash dividends to net income (ytd only)* | 63.5273% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 1,579 |
| Loan loss allowance to noncurrent loans | 75.7159% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 1,580 |
| Noncurrent loans to loans | 2.2572% | 1,052 |
| Net loans and leases to total assets | 67.3486% | 2,740 |
| Net loans and leases to deposits | 82.9069% | 2,444 |
| Net loans and leases to core deposits | 88.5452% | 2,503 |
| Total domestic deposits to total assets | 81.2340% | 4,534 |
| Equity capital to assets | 10.1164% | 3,909 |
| Core capital (leverage) ratio | 8.8101% | 5,216 |
| Tier 1 risk-based capital ratio | 11.5540% | 5,428 |
| Total risk-based capital ratio | 12.8075% | 5,345 |
| Memoranda: | ||
| Average total assets | $453,225,670 | 1,502 |
| Average earning assets | $424,471,330 | 1,481 |
| Average equity | $45,243,000 | 1,644 |
| Average total loans | $308,073,000 | 1,441 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,554 |
| Cost of funding earning assets | 0.5034% | 2,253 |
| Net interest margin | 3.9651% | 1,670 |
| Noninterest income to average assets | 0.5408% | 3,017 |
| Noninterest expense to average assets | 2.8796% | 2,970 |
| Loan and lease loss provision to assets | 0.2104% | 852 |
| Net operating income to assets | 1.1028% | 1,864 |
| Return on assets (ROA) | 1.1211% | 1,901 |
| Pretax return on assets | 1.1781% | 2,747 |
| Return on Equity (ROE) | 11.3055% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.3578% | 3,402 |
| Net charge-offs to loans | -0.0091% | 4,677 |
| Credit loss provision to net charge-offs | -3,428.5714% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4025% | 3,920 |
| Assets per employee ($millions) | 3.9001% | 4,161 |
| Cash dividends to net income (ytd only)* | 61.4543% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 1,783 |
| Loan loss allowance to noncurrent loans | 214.7216% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,852 |
| Noncurrent loans to loans | 0.7836% | 3,296 |
| Net loans and leases to total assets | 66.6789% | 2,655 |
| Net loans and leases to deposits | 82.6159% | 2,262 |
| Net loans and leases to core deposits | 88.9538% | 2,229 |
| Total domestic deposits to total assets | 80.7096% | 4,883 |
| Equity capital to assets | 10.0265% | 4,118 |
| Core capital (leverage) ratio | 8.5881% | 5,434 |
| Tier 1 risk-based capital ratio | 11.3975% | 5,607 |
| Total risk-based capital ratio | 12.6510% | 5,516 |
| Memoranda: | ||
| Average total assets | $456,319,500 | 1,492 |
| Average earning assets | $426,722,000 | 1,479 |
| Average equity | $45,252,500 | 1,644 |
| Average total loans | $308,955,000 | 1,440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,974 |
| Cost of funding earning assets | 0.5192% | 2,496 |
| Net interest margin | 3.9555% | 2,029 |
| Noninterest income to average assets | 0.5965% | 2,881 |
| Noninterest expense to average assets | 2.6841% | 3,925 |
| Loan and lease loss provision to assets | 0.2345% | 1,026 |
| Net operating income to assets | 1.3137% | 1,278 |
| Return on assets (ROA) | 1.3127% | 1,325 |
| Pretax return on assets | 1.3801% | 1,952 |
| Return on Equity (ROE) | 12.6713% | 1,219 |
| Retained earnings to average equity (ytd only) | -9.8978% | 6,313 |
| Net charge-offs to loans | 0.2000% | 2,068 |
| Credit loss provision to net charge-offs | 181.8951% | 1,334 |
| Earnings coverage of net charge-offs (x) | 12.5313% | 2,360 |
| Efficiency ratio | 62.0529% | 4,908 |
| Assets per employee ($millions) | 3.9681% | 4,025 |
| Cash dividends to net income (ytd only)* | 178.1120% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 2,062 |
| Loan loss allowance to noncurrent loans | 181.7516% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 3,724 |
| Noncurrent loans to loans | 0.8848% | 3,106 |
| Net loans and leases to total assets | 66.5047% | 2,809 |
| Net loans and leases to deposits | 81.4469% | 2,550 |
| Net loans and leases to core deposits | 85.9082% | 2,700 |
| Total domestic deposits to total assets | 81.6541% | 4,546 |
| Equity capital to assets | 9.8072% | 4,344 |
| Core capital (leverage) ratio | 8.4537% | 5,603 |
| Tier 1 risk-based capital ratio | 11.1130% | 5,863 |
| Total risk-based capital ratio | 12.3656% | 5,803 |
| Memoranda: | ||
| Average total assets | $458,370,000 | 1,458 |
| Average earning assets | $429,144,600 | 1,425 |
| Average equity | $47,485,200 | 1,519 |
| Average total loans | $295,533,800 | 1,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,980 |
| Cost of funding earning assets | 0.5232% | 2,537 |
| Net interest margin | 3.9467% | 2,049 |
| Noninterest income to average assets | 0.5985% | 2,883 |
| Noninterest expense to average assets | 2.6565% | 3,990 |
| Loan and lease loss provision to assets | 0.1961% | 1,225 |
| Net operating income to assets | 1.3728% | 1,189 |
| Return on assets (ROA) | 1.3706% | 1,234 |
| Pretax return on assets | 1.4409% | 1,843 |
| Return on Equity (ROE) | 13.0567% | 1,209 |
| Retained earnings to average equity (ytd only) | -12.3896% | 6,420 |
| Net charge-offs to loans | 0.0269% | 3,963 |
| Credit loss provision to net charge-offs | 1,144.0678% | 297 |
| Earnings coverage of net charge-offs (x) | 95.6329% | 602 |
| Efficiency ratio | 61.4677% | 4,970 |
| Assets per employee ($millions) | 3.9010% | 4,087 |
| Cash dividends to net income (ytd only)* | 194.8907% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 1,956 |
| Loan loss allowance to noncurrent loans | 164.6831% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 3,723 |
| Noncurrent loans to loans | 1.0349% | 3,004 |
| Net loans and leases to total assets | 64.3441% | 3,133 |
| Net loans and leases to deposits | 81.9077% | 2,436 |
| Net loans and leases to core deposits | 85.9618% | 2,673 |
| Total domestic deposits to total assets | 78.5569% | 5,426 |
| Equity capital to assets | 9.8503% | 4,357 |
| Core capital (leverage) ratio | 8.4562% | 5,703 |
| Tier 1 risk-based capital ratio | 11.3109% | 5,875 |
| Total risk-based capital ratio | 12.5642% | 5,809 |
| Memoranda: | ||
| Average total assets | $458,880,000 | 1,466 |
| Average earning assets | $429,883,500 | 1,438 |
| Average equity | $48,168,250 | 1,499 |
| Average total loans | $292,307,000 | 1,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 2,036 |
| Cost of funding earning assets | 0.5317% | 2,522 |
| Net interest margin | 3.9086% | 2,126 |
| Noninterest income to average assets | 0.5886% | 2,872 |
| Noninterest expense to average assets | 2.6274% | 4,148 |
| Loan and lease loss provision to assets | 0.1958% | 1,246 |
| Net operating income to assets | 1.3605% | 1,158 |
| Return on assets (ROA) | 1.3605% | 1,200 |
| Pretax return on assets | 1.4305% | 1,780 |
| Return on Equity (ROE) | 12.7016% | 1,260 |
| Retained earnings to average equity (ytd only) | 4.8418% | 3,062 |
| Net charge-offs to loans | 0.0517% | 3,231 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 49.8400% | 911 |
| Efficiency ratio | 61.3890% | 5,094 |
| Assets per employee ($millions) | 3.8874% | 4,090 |
| Cash dividends to net income (ytd only)* | 61.8804% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 2,333 |
| Loan loss allowance to noncurrent loans | 199.6296% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 4,413 |
| Noncurrent loans to loans | 0.8200% | 3,659 |
| Net loans and leases to total assets | 63.5433% | 3,152 |
| Net loans and leases to deposits | 78.5419% | 2,727 |
| Net loans and leases to core deposits | 81.5452% | 3,025 |
| Total domestic deposits to total assets | 80.9037% | 5,015 |
| Equity capital to assets | 11.1012% | 2,789 |
| Core capital (leverage) ratio | 9.6187% | 4,149 |
| Tier 1 risk-based capital ratio | 13.0410% | 4,881 |
| Total risk-based capital ratio | 14.2934% | 4,811 |
| Memoranda: | ||
| Average total assets | $459,699,670 | 1,457 |
| Average earning assets | $431,046,330 | 1,435 |
| Average equity | $49,238,000 | 1,458 |
| Average total loans | $290,152,000 | 1,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,281 |
| Cost of funding earning assets | 0.5382% | 2,521 |
| Net interest margin | 3.8265% | 2,362 |
| Noninterest income to average assets | 0.5337% | 3,162 |
| Noninterest expense to average assets | 2.6763% | 4,015 |
| Loan and lease loss provision to assets | 0.1956% | 1,200 |
| Net operating income to assets | 1.1856% | 1,526 |
| Return on assets (ROA) | 1.1856% | 1,594 |
| Pretax return on assets | 1.2464% | 2,294 |
| Return on Equity (ROE) | 11.2738% | 1,610 |
| Retained earnings to average equity (ytd only) | 3.5788% | 3,983 |
| Net charge-offs to loans | -0.0056% | 4,849 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6053% | 4,760 |
| Assets per employee ($millions) | 3.8649% | 4,201 |
| Cash dividends to net income (ytd only)* | 68.2551% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 2,631 |
| Loan loss allowance to noncurrent loans | 171.5275% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 4,283 |
| Noncurrent loans to loans | 0.9413% | 3,535 |
| Net loans and leases to total assets | 61.8202% | 3,270 |
| Net loans and leases to deposits | 76.9877% | 2,682 |
| Net loans and leases to core deposits | 77.9809% | 3,206 |
| Total domestic deposits to total assets | 80.2988% | 5,426 |
| Equity capital to assets | 10.6090% | 3,130 |
| Core capital (leverage) ratio | 9.6271% | 4,099 |
| Tier 1 risk-based capital ratio | 13.0225% | 4,994 |
| Total risk-based capital ratio | 14.2746% | 4,923 |
| Memoranda: | ||
| Average total assets | $460,191,000 | 1,467 |
| Average earning assets | $431,094,000 | 1,441 |
| Average equity | $48,395,500 | 1,479 |
| Average total loans | $287,060,500 | 1,497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 2,447 |
| Cost of funding earning assets | 0.6125% | 2,547 |
| Net interest margin | 3.8231% | 2,561 |
| Noninterest income to average assets | 0.6085% | 3,034 |
| Noninterest expense to average assets | 2.5825% | 4,528 |
| Loan and lease loss provision to assets | 0.2117% | 1,743 |
| Net operating income to assets | 1.3309% | 1,180 |
| Return on assets (ROA) | 1.3447% | 1,180 |
| Pretax return on assets | 1.4137% | 1,738 |
| Return on Equity (ROE) | 12.5427% | 1,265 |
| Retained earnings to average equity (ytd only) | 4.9130% | 2,659 |
| Net charge-offs to loans | 0.2616% | 2,398 |
| Credit loss provision to net charge-offs | 135.7850% | 1,729 |
| Earnings coverage of net charge-offs (x) | 10.3338% | 2,386 |
| Efficiency ratio | 61.2020% | 5,330 |
| Assets per employee ($millions) | 3.9362% | 3,989 |
| Cash dividends to net income (ytd only)* | 60.8296% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 2,828 |
| Loan loss allowance to noncurrent loans | 150.1510% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 4,226 |
| Noncurrent loans to loans | 1.0545% | 3,403 |
| Net loans and leases to total assets | 60.9349% | 3,549 |
| Net loans and leases to deposits | 77.3467% | 2,810 |
| Net loans and leases to core deposits | 77.8310% | 3,388 |
| Total domestic deposits to total assets | 78.7815% | 5,693 |
| Equity capital to assets | 10.4223% | 3,258 |
| Core capital (leverage) ratio | 9.5368% | 4,209 |
| Tier 1 risk-based capital ratio | 13.2607% | 4,815 |
| Total risk-based capital ratio | 14.5124% | 4,754 |
| Memoranda: | ||
| Average total assets | $453,561,400 | 1,465 |
| Average earning assets | $425,277,600 | 1,435 |
| Average equity | $48,625,800 | 1,453 |
| Average total loans | $270,275,800 | 1,553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 2,441 |
| Cost of funding earning assets | 0.6226% | 2,626 |
| Net interest margin | 3.8231% | 2,562 |
| Noninterest income to average assets | 0.6163% | 3,054 |
| Noninterest expense to average assets | 2.6121% | 4,351 |
| Loan and lease loss provision to assets | 0.2120% | 1,721 |
| Net operating income to assets | 1.3089% | 1,332 |
| Return on assets (ROA) | 1.3162% | 1,367 |
| Pretax return on assets | 1.3836% | 1,983 |
| Return on Equity (ROE) | 12.1915% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.6639% | 3,349 |
| Net charge-offs to loans | 0.0918% | 3,647 |
| Credit loss provision to net charge-offs | 391.3043% | 682 |
| Earnings coverage of net charge-offs (x) | 29.3095% | 1,254 |
| Efficiency ratio | 61.8059% | 5,163 |
| Assets per employee ($millions) | 3.9624% | 3,909 |
| Cash dividends to net income (ytd only)* | 61.7450% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 2,379 |
| Loan loss allowance to noncurrent loans | 121.4340% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 3,925 |
| Noncurrent loans to loans | 1.4629% | 2,972 |
| Net loans and leases to total assets | 58.2521% | 3,971 |
| Net loans and leases to deposits | 72.3313% | 3,472 |
| Net loans and leases to core deposits | 72.7780% | 3,999 |
| Total domestic deposits to total assets | 80.5351% | 5,350 |
| Equity capital to assets | 10.6132% | 3,147 |
| Core capital (leverage) ratio | 9.4762% | 4,445 |
| Tier 1 risk-based capital ratio | 13.5297% | 4,736 |
| Total risk-based capital ratio | 14.7832% | 4,692 |
| Memoranda: | ||
| Average total assets | $452,802,500 | 1,472 |
| Average earning assets | $424,459,750 | 1,443 |
| Average equity | $48,885,250 | 1,454 |
| Average total loans | $267,169,000 | 1,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,411 |
| Cost of funding earning assets | 0.6289% | 2,693 |
| Net interest margin | 3.8132% | 2,504 |
| Noninterest income to average assets | 0.6060% | 3,151 |
| Noninterest expense to average assets | 2.6427% | 4,241 |
| Loan and lease loss provision to assets | 0.2118% | 1,788 |
| Net operating income to assets | 1.2645% | 1,419 |
| Return on assets (ROA) | 1.2746% | 1,484 |
| Pretax return on assets | 1.3399% | 2,159 |
| Return on Equity (ROE) | 11.7398% | 1,569 |
| Retained earnings to average equity (ytd only) | 4.3862% | 3,478 |
| Net charge-offs to loans | 0.1206% | 3,158 |
| Credit loss provision to net charge-offs | 298.1366% | 871 |
| Earnings coverage of net charge-offs (x) | 21.6894% | 1,402 |
| Efficiency ratio | 62.7743% | 5,054 |
| Assets per employee ($millions) | 3.5787% | 4,673 |
| Cash dividends to net income (ytd only)* | 62.6385% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,922 |
| Loan loss allowance to noncurrent loans | 169.4776% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 4,672 |
| Noncurrent loans to loans | 0.9822% | 3,975 |
| Net loans and leases to total assets | 59.9776% | 3,659 |
| Net loans and leases to deposits | 74.1612% | 3,129 |
| Net loans and leases to core deposits | 74.4577% | 3,737 |
| Total domestic deposits to total assets | 80.8747% | 5,378 |
| Equity capital to assets | 10.5629% | 3,219 |
| Core capital (leverage) ratio | 9.2192% | 4,668 |
| Tier 1 risk-based capital ratio | 13.0969% | 5,076 |
| Total risk-based capital ratio | 14.3494% | 5,019 |
| Memoranda: | ||
| Average total assets | $453,166,330 | 1,472 |
| Average earning assets | $425,208,670 | 1,438 |
| Average equity | $49,200,000 | 1,451 |
| Average total loans | $266,928,670 | 1,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 2,569 |
| Cost of funding earning assets | 0.6401% | 2,743 |
| Net interest margin | 3.7469% | 2,674 |
| Noninterest income to average assets | 0.5718% | 3,293 |
| Noninterest expense to average assets | 2.6145% | 4,356 |
| Loan and lease loss provision to assets | 0.2105% | 1,756 |
| Net operating income to assets | 1.1922% | 1,544 |
| Return on assets (ROA) | 1.1972% | 1,642 |
| Pretax return on assets | 1.2586% | 2,379 |
| Return on Equity (ROE) | 10.8821% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.4600% | 4,175 |
| Net charge-offs to loans | 0.0333% | 3,565 |
| Credit loss provision to net charge-offs | 1,090.9091% | 295 |
| Earnings coverage of net charge-offs (x) | 75.8636% | 488 |
| Efficiency ratio | 63.7204% | 5,051 |
| Assets per employee ($millions) | 3.6378% | 4,707 |
| Cash dividends to net income (ytd only)* | 68.2051% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,106 |
| Loan loss allowance to noncurrent loans | 126.1005% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 4,413 |
| Noncurrent loans to loans | 1.3296% | 3,570 |
| Net loans and leases to total assets | 57.2608% | 3,877 |
| Net loans and leases to deposits | 70.2658% | 3,435 |
| Net loans and leases to core deposits | 70.6849% | 3,983 |
| Total domestic deposits to total assets | 81.4917% | 5,365 |
| Equity capital to assets | 11.0315% | 2,926 |
| Core capital (leverage) ratio | 9.0555% | 4,796 |
| Tier 1 risk-based capital ratio | 13.1354% | 5,113 |
| Total risk-based capital ratio | 14.3878% | 5,071 |
| Memoranda: | ||
| Average total assets | $456,079,500 | 1,474 |
| Average earning assets | $426,802,000 | 1,441 |
| Average equity | $50,174,000 | 1,448 |
| Average total loans | $263,970,000 | 1,592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 2,030 |
| Cost of funding earning assets | 0.8604% | 2,215 |
| Net interest margin | 3.9864% | 2,454 |
| Noninterest income to average assets | 0.6262% | 3,134 |
| Noninterest expense to average assets | 2.5909% | 4,770 |
| Loan and lease loss provision to assets | 0.3142% | 2,180 |
| Net operating income to assets | 1.3659% | 1,165 |
| Return on assets (ROA) | 1.3633% | 1,294 |
| Pretax return on assets | 1.4332% | 1,930 |
| Return on Equity (ROE) | 12.1915% | 1,451 |
| Retained earnings to average equity (ytd only) | 4.1337% | 3,314 |
| Net charge-offs to loans | 0.5544% | 2,080 |
| Credit loss provision to net charge-offs | 95.5017% | 3,254 |
| Earnings coverage of net charge-offs (x) | 5.3190% | 3,071 |
| Efficiency ratio | 59.2740% | 5,655 |
| Assets per employee ($millions) | 3.6595% | 4,654 |
| Cash dividends to net income (ytd only)* | 66.0932% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 3,290 |
| Loan loss allowance to noncurrent loans | 144.7874% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 4,687 |
| Noncurrent loans to loans | 1.1082% | 3,992 |
| Net loans and leases to total assets | 56.5981% | 4,184 |
| Net loans and leases to deposits | 71.0543% | 3,554 |
| Net loans and leases to core deposits | 71.6017% | 4,091 |
| Total domestic deposits to total assets | 79.6548% | 5,753 |
| Equity capital to assets | 10.9710% | 2,987 |
| Core capital (leverage) ratio | 9.0604% | 4,805 |
| Tier 1 risk-based capital ratio | 12.4551% | 5,507 |
| Total risk-based capital ratio | 13.7060% | 5,459 |
| Memoranda: | ||
| Average total assets | $439,147,200 | 1,505 |
| Average earning assets | $409,241,000 | 1,476 |
| Average equity | $49,108,000 | 1,438 |
| Average total loans | $260,663,600 | 1,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,894 |
| Cost of funding earning assets | 0.9013% | 2,161 |
| Net interest margin | 4.0307% | 2,379 |
| Noninterest income to average assets | 0.6188% | 3,161 |
| Noninterest expense to average assets | 2.5993% | 4,743 |
| Loan and lease loss provision to assets | 0.3221% | 2,048 |
| Net operating income to assets | 1.3884% | 1,256 |
| Return on assets (ROA) | 1.3849% | 1,388 |
| Pretax return on assets | 1.4558% | 2,056 |
| Return on Equity (ROE) | 12.3232% | 1,526 |
| Retained earnings to average equity (ytd only) | 3.8602% | 4,179 |
| Net charge-offs to loans | 0.2928% | 2,976 |
| Credit loss provision to net charge-offs | 183.8879% | 1,508 |
| Earnings coverage of net charge-offs (x) | 10.1699% | 2,219 |
| Efficiency ratio | 58.9397% | 5,674 |
| Assets per employee ($millions) | 3.5047% | 4,975 |
| Cash dividends to net income (ytd only)* | 68.6752% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,591 |
| Loan loss allowance to noncurrent loans | 120.1109% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 4,331 |
| Noncurrent loans to loans | 1.5549% | 3,452 |
| Net loans and leases to total assets | 57.1632% | 4,269 |
| Net loans and leases to deposits | 70.9134% | 3,769 |
| Net loans and leases to core deposits | 71.4247% | 4,325 |
| Total domestic deposits to total assets | 80.6098% | 5,483 |
| Equity capital to assets | 11.4767% | 2,770 |
| Core capital (leverage) ratio | 9.2057% | 4,754 |
| Tier 1 risk-based capital ratio | 12.8882% | 5,335 |
| Total risk-based capital ratio | 14.1421% | 5,299 |
| Memoranda: | ||
| Average total assets | $434,575,500 | 1,532 |
| Average earning assets | $405,614,250 | 1,504 |
| Average equity | $48,838,750 | 1,456 |
| Average total loans | $260,049,250 | 1,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 1,791 |
| Cost of funding earning assets | 0.9392% | 2,123 |
| Net interest margin | 4.0606% | 2,246 |
| Noninterest income to average assets | 0.6174% | 3,149 |
| Noninterest expense to average assets | 2.5713% | 4,876 |
| Loan and lease loss provision to assets | 0.3323% | 1,980 |
| Net operating income to assets | 1.4235% | 1,141 |
| Return on assets (ROA) | 1.4208% | 1,280 |
| Pretax return on assets | 1.4938% | 1,867 |
| Return on Equity (ROE) | 12.7339% | 1,431 |
| Retained earnings to average equity (ytd only) | 4.3880% | 3,692 |
| Net charge-offs to loans | 0.1154% | 4,020 |
| Credit loss provision to net charge-offs | 476.8212% | 634 |
| Earnings coverage of net charge-offs (x) | 26.2450% | 1,172 |
| Efficiency ratio | 58.0493% | 5,867 |
| Assets per employee ($millions) | 3.6287% | 4,686 |
| Cash dividends to net income (ytd only)* | 65.5408% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 2,616 |
| Loan loss allowance to noncurrent loans | 84.1594% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 3,399 |
| Noncurrent loans to loans | 2.2330% | 2,692 |
| Net loans and leases to total assets | 58.7137% | 4,041 |
| Net loans and leases to deposits | 73.4088% | 3,396 |
| Net loans and leases to core deposits | 73.9479% | 4,041 |
| Total domestic deposits to total assets | 79.9819% | 5,744 |
| Equity capital to assets | 11.3948% | 2,693 |
| Core capital (leverage) ratio | 9.1229% | 4,731 |
| Tier 1 risk-based capital ratio | 12.7162% | 5,405 |
| Total risk-based capital ratio | 13.9703% | 5,372 |
| Memoranda: | ||
| Average total assets | $433,404,670 | 1,533 |
| Average earning assets | $403,730,330 | 1,513 |
| Average equity | $48,359,000 | 1,458 |
| Average total loans | $261,668,670 | 1,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 1,890 |
| Cost of funding earning assets | 0.9714% | 2,145 |
| Net interest margin | 4.0278% | 2,384 |
| Noninterest income to average assets | 0.5767% | 3,364 |
| Noninterest expense to average assets | 2.6587% | 4,591 |
| Loan and lease loss provision to assets | 0.3316% | 1,889 |
| Net operating income to assets | 1.2574% | 1,585 |
| Return on assets (ROA) | 1.2556% | 1,757 |
| Pretax return on assets | 1.3201% | 2,469 |
| Return on Equity (ROE) | 11.3735% | 1,880 |
| Retained earnings to average equity (ytd only) | 3.5631% | 4,442 |
| Net charge-offs to loans | 0.0699% | 3,791 |
| Credit loss provision to net charge-offs | 782.6087% | 440 |
| Earnings coverage of net charge-offs (x) | 39.0217% | 762 |
| Efficiency ratio | 61.2476% | 5,416 |
| Assets per employee ($millions) | 3.7408% | 4,561 |
| Cash dividends to net income (ytd only)* | 68.6720% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 3,134 |
| Loan loss allowance to noncurrent loans | 49.8970% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.3052% | 2,576 |
| Noncurrent loans to loans | 3.5231% | 1,769 |
| Net loans and leases to total assets | 58.7495% | 3,911 |
| Net loans and leases to deposits | 73.2898% | 3,234 |
| Net loans and leases to core deposits | 73.8918% | 3,912 |
| Total domestic deposits to total assets | 80.1605% | 5,820 |
| Equity capital to assets | 11.0130% | 2,892 |
| Core capital (leverage) ratio | 9.0871% | 4,704 |
| Tier 1 risk-based capital ratio | 12.4340% | 5,656 |
| Total risk-based capital ratio | 13.6868% | 5,625 |
| Memoranda: | ||
| Average total assets | $434,197,500 | 1,535 |
| Average earning assets | $402,700,500 | 1,509 |
| Average equity | $47,936,000 | 1,460 |
| Average total loans | $263,306,500 | 1,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 1,881 |
| Cost of funding earning assets | 1.1862% | 2,120 |
| Net interest margin | 4.0622% | 2,594 |
| Noninterest income to average assets | 0.5905% | 3,216 |
| Noninterest expense to average assets | 2.5005% | 5,462 |
| Loan and lease loss provision to assets | 0.4928% | 2,142 |
| Net operating income to assets | 1.3283% | 1,180 |
| Return on assets (ROA) | 1.3075% | 1,335 |
| Pretax return on assets | 1.3737% | 1,864 |
| Return on Equity (ROE) | 12.4770% | 1,284 |
| Retained earnings to average equity (ytd only) | 3.9826% | 3,360 |
| Net charge-offs to loans | 0.6001% | 2,649 |
| Credit loss provision to net charge-offs | 129.3578% | 2,372 |
| Earnings coverage of net charge-offs (x) | 4.9566% | 2,931 |
| Efficiency ratio | 56.5755% | 6,239 |
| Assets per employee ($millions) | 3.4736% | 5,088 |
| Cash dividends to net income (ytd only)* | 68.0806% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 3,517 |
| Loan loss allowance to noncurrent loans | 45.1977% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 2,649 |
| Noncurrent loans to loans | 3.5808% | 1,787 |
| Net loans and leases to total assets | 60.5018% | 3,891 |
| Net loans and leases to deposits | 76.0144% | 3,180 |
| Net loans and leases to core deposits | 77.2878% | 3,786 |
| Total domestic deposits to total assets | 79.5925% | 5,846 |
| Equity capital to assets | 11.0677% | 2,927 |
| Core capital (leverage) ratio | 8.8913% | 4,959 |
| Tier 1 risk-based capital ratio | 12.2035% | 5,686 |
| Total risk-based capital ratio | 13.4549% | 5,655 |
| Memoranda: | ||
| Average total assets | $429,147,000 | 1,518 |
| Average earning assets | $401,284,000 | 1,484 |
| Average equity | $44,970,600 | 1,514 |
| Average total loans | $272,469,400 | 1,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 1,891 |
| Cost of funding earning assets | 1.2210% | 2,185 |
| Net interest margin | 4.0717% | 2,589 |
| Noninterest income to average assets | 0.5961% | 3,190 |
| Noninterest expense to average assets | 2.5288% | 5,358 |
| Loan and lease loss provision to assets | 0.5053% | 1,959 |
| Net operating income to assets | 1.3078% | 1,359 |
| Return on assets (ROA) | 1.2983% | 1,472 |
| Pretax return on assets | 1.3639% | 2,070 |
| Return on Equity (ROE) | 12.5668% | 1,394 |
| Retained earnings to average equity (ytd only) | 3.6722% | 4,140 |
| Net charge-offs to loans | 0.1171% | 4,852 |
| Credit loss provision to net charge-offs | 674.2739% | 405 |
| Earnings coverage of net charge-offs (x) | 25.0743% | 1,061 |
| Efficiency ratio | 56.9735% | 6,150 |
| Assets per employee ($millions) | 3.6650% | 4,606 |
| Cash dividends to net income (ytd only)* | 70.7784% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 2,613 |
| Loan loss allowance to noncurrent loans | 48.8841% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.5720% | 2,509 |
| Noncurrent loans to loans | 3.8850% | 1,721 |
| Net loans and leases to total assets | 62.0018% | 3,721 |
| Net loans and leases to deposits | 79.7544% | 2,686 |
| Net loans and leases to core deposits | 81.1766% | 3,456 |
| Total domestic deposits to total assets | 77.7409% | 6,240 |
| Equity capital to assets | 10.8257% | 3,326 |
| Core capital (leverage) ratio | 8.8408% | 5,194 |
| Tier 1 risk-based capital ratio | 11.9101% | 5,955 |
| Total risk-based capital ratio | 13.1649% | 5,935 |
| Memoranda: | ||
| Average total assets | $428,753,000 | 1,530 |
| Average earning assets | $401,397,250 | 1,501 |
| Average equity | $44,295,500 | 1,536 |
| Average total loans | $274,366,250 | 1,560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 1,943 |
| Cost of funding earning assets | 1.2586% | 2,196 |
| Net interest margin | 4.0238% | 2,720 |
| Noninterest income to average assets | 0.5548% | 3,436 |
| Noninterest expense to average assets | 2.5183% | 5,462 |
| Loan and lease loss provision to assets | 0.4491% | 2,176 |
| Net operating income to assets | 1.2926% | 1,338 |
| Return on assets (ROA) | 1.2926% | 1,410 |
| Pretax return on assets | 1.3581% | 1,934 |
| Return on Equity (ROE) | 12.7167% | 1,269 |
| Retained earnings to average equity (ytd only) | 4.4368% | 3,368 |
| Net charge-offs to loans | 0.1660% | 4,179 |
| Credit loss provision to net charge-offs | 421.0526% | 715 |
| Earnings coverage of net charge-offs (x) | 16.9430% | 1,317 |
| Efficiency ratio | 57.8196% | 6,185 |
| Assets per employee ($millions) | 3.4533% | 5,073 |
| Cash dividends to net income (ytd only)* | 65.1104% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 3,401 |
| Loan loss allowance to noncurrent loans | 42.6518% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.6041% | 2,557 |
| Noncurrent loans to loans | 3.9282% | 1,767 |
| Net loans and leases to total assets | 62.2064% | 3,849 |
| Net loans and leases to deposits | 77.7285% | 3,172 |
| Net loans and leases to core deposits | 79.6409% | 3,839 |
| Total domestic deposits to total assets | 80.0304% | 5,815 |
| Equity capital to assets | 10.6266% | 3,354 |
| Core capital (leverage) ratio | 8.7591% | 5,118 |
| Tier 1 risk-based capital ratio | 12.0265% | 5,766 |
| Total risk-based capital ratio | 13.2790% | 5,726 |
| Memoranda: | ||
| Average total assets | $427,513,670 | 1,543 |
| Average earning assets | $400,619,330 | 1,514 |
| Average equity | $43,454,670 | 1,548 |
| Average total loans | $274,711,330 | 1,577 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 1,938 |
| Cost of funding earning assets | 1.3071% | 2,139 |
| Net interest margin | 3.9713% | 2,815 |
| Noninterest income to average assets | 0.5150% | 3,765 |
| Noninterest expense to average assets | 2.4506% | 5,737 |
| Loan and lease loss provision to assets | 0.4495% | 1,960 |
| Net operating income to assets | 1.2641% | 1,358 |
| Return on assets (ROA) | 1.2641% | 1,413 |
| Pretax return on assets | 1.3278% | 1,952 |
| Return on Equity (ROE) | 12.7268% | 1,266 |
| Retained earnings to average equity (ytd only) | 3.9029% | 3,829 |
| Net charge-offs to loans | 0.3022% | 2,834 |
| Credit loss provision to net charge-offs | 229.6651% | 1,331 |
| Earnings coverage of net charge-offs (x) | 9.0813% | 1,766 |
| Efficiency ratio | 57.5415% | 6,321 |
| Assets per employee ($millions) | 3.5348% | 4,915 |
| Cash dividends to net income (ytd only)* | 69.3333% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 4,227 |
| Loan loss allowance to noncurrent loans | 39.7698% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5433% | 2,686 |
| Noncurrent loans to loans | 3.7630% | 1,954 |
| Net loans and leases to total assets | 62.7567% | 3,705 |
| Net loans and leases to deposits | 78.3293% | 3,003 |
| Net loans and leases to core deposits | 80.3743% | 3,692 |
| Total domestic deposits to total assets | 80.1191% | 5,914 |
| Equity capital to assets | 10.0431% | 3,722 |
| Core capital (leverage) ratio | 8.6933% | 5,091 |
| Tier 1 risk-based capital ratio | 11.7921% | 5,860 |
| Total risk-based capital ratio | 13.0429% | 5,867 |
| Memoranda: | ||
| Average total assets | $427,165,500 | 1,554 |
| Average earning assets | $399,360,500 | 1,523 |
| Average equity | $42,430,000 | 1,564 |
| Average total loans | $276,610,500 | 1,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7540% | 1,394 |
| Cost of funding earning assets | 1.5980% | 2,082 |
| Net interest margin | 4.1560% | 2,342 |
| Noninterest income to average assets | 0.6073% | 3,430 |
| Noninterest expense to average assets | 2.5090% | 5,760 |
| Loan and lease loss provision to assets | 0.5032% | 3,140 |
| Net operating income to assets | 1.4040% | 945 |
| Return on assets (ROA) | 1.4092% | 1,003 |
| Pretax return on assets | 1.4784% | 1,429 |
| Return on Equity (ROE) | 13.8500% | 917 |
| Retained earnings to average equity (ytd only) | 3.8315% | 3,180 |
| Net charge-offs to loans | 0.6873% | 2,945 |
| Credit loss provision to net charge-offs | 109.5065% | 4,026 |
| Earnings coverage of net charge-offs (x) | 4.3003% | 2,978 |
| Efficiency ratio | 55.5408% | 6,649 |
| Assets per employee ($millions) | 3.6155% | 4,659 |
| Cash dividends to net income (ytd only)* | 72.3361% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,717 |
| Loan loss allowance to noncurrent loans | 48.9646% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 3,499 |
| Noncurrent loans to loans | 2.7696% | 2,750 |
| Net loans and leases to total assets | 64.9099% | 3,682 |
| Net loans and leases to deposits | 80.9813% | 2,997 |
| Net loans and leases to core deposits | 83.9427% | 3,599 |
| Total domestic deposits to total assets | 80.1542% | 5,792 |
| Equity capital to assets | 9.8224% | 3,972 |
| Core capital (leverage) ratio | 8.5228% | 5,318 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,880 |
| Total risk-based capital ratio | 12.7407% | 5,920 |
| Memoranda: | ||
| Average total assets | $418,891,000 | 1,585 |
| Average earning assets | $390,860,000 | 1,544 |
| Average equity | $42,620,800 | 1,557 |
| Average total loans | $280,061,400 | 1,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 1,353 |
| Cost of funding earning assets | 1.6523% | 2,091 |
| Net interest margin | 4.1603% | 2,363 |
| Noninterest income to average assets | 0.5960% | 3,464 |
| Noninterest expense to average assets | 2.4526% | 5,877 |
| Loan and lease loss provision to assets | 0.3543% | 3,782 |
| Net operating income to assets | 1.5909% | 761 |
| Return on assets (ROA) | 1.5806% | 846 |
| Pretax return on assets | 1.6590% | 1,190 |
| Return on Equity (ROE) | 15.3985% | 792 |
| Retained earnings to average equity (ytd only) | 6.6074% | 2,037 |
| Net charge-offs to loans | 0.6002% | 2,937 |
| Credit loss provision to net charge-offs | 87.9365% | 4,855 |
| Earnings coverage of net charge-offs (x) | 5.0238% | 2,868 |
| Efficiency ratio | 54.3857% | 6,754 |
| Assets per employee ($millions) | 3.7942% | 4,282 |
| Cash dividends to net income (ytd only)* | 57.0908% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,302 |
| Loan loss allowance to noncurrent loans | 185.3711% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 6,262 |
| Noncurrent loans to loans | 0.6675% | 5,868 |
| Net loans and leases to total assets | 65.2121% | 3,863 |
| Net loans and leases to deposits | 81.9723% | 3,111 |
| Net loans and leases to core deposits | 86.0835% | 3,641 |
| Total domestic deposits to total assets | 79.5538% | 5,847 |
| Equity capital to assets | 10.6711% | 3,322 |
| Core capital (leverage) ratio | 8.7291% | 5,138 |
| Tier 1 risk-based capital ratio | 11.7938% | 5,645 |
| Total risk-based capital ratio | 12.9100% | 5,754 |
| Memoranda: | ||
| Average total assets | $416,957,500 | 1,617 |
| Average earning assets | $388,935,250 | 1,572 |
| Average equity | $42,799,750 | 1,555 |
| Average total loans | $279,894,500 | 1,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 1,288 |
| Cost of funding earning assets | 1.6769% | 2,249 |
| Net interest margin | 4.1792% | 2,226 |
| Noninterest income to average assets | 0.5759% | 3,505 |
| Noninterest expense to average assets | 2.4876% | 5,756 |
| Loan and lease loss provision to assets | 0.4625% | 3,004 |
| Net operating income to assets | 1.4507% | 987 |
| Return on assets (ROA) | 1.4323% | 1,105 |
| Pretax return on assets | 1.5033% | 1,553 |
| Return on Equity (ROE) | 14.1452% | 1,017 |
| Retained earnings to average equity (ytd only) | 5.7925% | 2,449 |
| Net charge-offs to loans | 0.8718% | 2,091 |
| Credit loss provision to net charge-offs | 78.5890% | 4,744 |
| Earnings coverage of net charge-offs (x) | 3.3733% | 3,354 |
| Efficiency ratio | 55.2186% | 6,736 |
| Assets per employee ($millions) | 3.6260% | 4,650 |
| Cash dividends to net income (ytd only)* | 59.0495% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,484 |
| Loan loss allowance to noncurrent loans | 238.1728% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,561 |
| Noncurrent loans to loans | 0.5015% | 6,248 |
| Net loans and leases to total assets | 66.1334% | 3,804 |
| Net loans and leases to deposits | 82.9383% | 3,087 |
| Net loans and leases to core deposits | 88.3756% | 3,501 |
| Total domestic deposits to total assets | 79.7381% | 5,809 |
| Equity capital to assets | 10.2981% | 3,652 |
| Core capital (leverage) ratio | 8.5611% | 5,310 |
| Tier 1 risk-based capital ratio | 11.4331% | 5,842 |
| Total risk-based capital ratio | 12.5084% | 5,973 |
| Memoranda: | ||
| Average total assets | $414,293,330 | 1,639 |
| Average earning assets | $386,297,000 | 1,601 |
| Average equity | $41,950,670 | 1,571 |
| Average total loans | $279,662,330 | 1,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 1,317 |
| Cost of funding earning assets | 1.7024% | 2,378 |
| Net interest margin | 4.1507% | 2,229 |
| Noninterest income to average assets | 0.5419% | 3,710 |
| Noninterest expense to average assets | 2.4051% | 6,062 |
| Loan and lease loss provision to assets | 0.2481% | 4,062 |
| Net operating income to assets | 1.6607% | 669 |
| Return on assets (ROA) | 1.6598% | 719 |
| Pretax return on assets | 1.7425% | 981 |
| Return on Equity (ROE) | 16.5356% | 649 |
| Retained earnings to average equity (ytd only) | 7.2016% | 2,046 |
| Net charge-offs to loans | -0.0043% | 6,806 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3040% | 6,941 |
| Assets per employee ($millions) | 3.7163% | 4,534 |
| Cash dividends to net income (ytd only)* | 56.4478% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,601 |
| Loan loss allowance to noncurrent loans | 151.5814% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,971 |
| Noncurrent loans to loans | 0.8999% | 5,518 |
| Net loans and leases to total assets | 67.4414% | 3,517 |
| Net loans and leases to deposits | 85.1600% | 2,738 |
| Net loans and leases to core deposits | 90.8457% | 3,252 |
| Total domestic deposits to total assets | 79.1938% | 6,032 |
| Equity capital to assets | 10.0672% | 3,780 |
| Core capital (leverage) ratio | 8.6620% | 5,090 |
| Tier 1 risk-based capital ratio | 11.1832% | 5,979 |
| Total risk-based capital ratio | 12.4141% | 5,957 |
| Memoranda: | ||
| Average total assets | $411,134,000 | 1,699 |
| Average earning assets | $381,815,500 | 1,661 |
| Average equity | $41,268,500 | 1,620 |
| Average total loans | $278,729,500 | 1,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1102% | 1,487 |
| Cost of funding earning assets | 1.9213% | 3,348 |
| Net interest margin | 4.1888% | 2,109 |
| Noninterest income to average assets | 0.6017% | 3,621 |
| Noninterest expense to average assets | 2.6047% | 5,788 |
| Loan and lease loss provision to assets | 0.3080% | 4,974 |
| Net operating income to assets | 1.5104% | 655 |
| Return on assets (ROA) | 1.5116% | 705 |
| Pretax return on assets | 1.5897% | 984 |
| Return on Equity (ROE) | 15.0074% | 669 |
| Retained earnings to average equity (ytd only) | 4.5724% | 2,055 |
| Net charge-offs to loans | 0.2529% | 5,038 |
| Credit loss provision to net charge-offs | 182.6546% | 2,253 |
| Earnings coverage of net charge-offs (x) | 11.2474% | 1,607 |
| Efficiency ratio | 57.4552% | 6,838 |
| Assets per employee ($millions) | 3.5933% | 4,795 |
| Cash dividends to net income (ytd only)* | 69.5323% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,603 |
| Loan loss allowance to noncurrent loans | 151.4417% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,952 |
| Noncurrent loans to loans | 0.8770% | 5,546 |
| Net loans and leases to total assets | 66.3095% | 4,078 |
| Net loans and leases to deposits | 84.0425% | 3,261 |
| Net loans and leases to core deposits | 92.0578% | 4,879 |
| Total domestic deposits to total assets | 78.8999% | 6,006 |
| Equity capital to assets | 10.0075% | 3,758 |
| Core capital (leverage) ratio | 8.6595% | 4,995 |
| Tier 1 risk-based capital ratio | 11.3722% | 5,543 |
| Total risk-based capital ratio | 12.5652% | 5,541 |
| Memoranda: | ||
| Average total assets | $393,215,400 | 1,748 |
| Average earning assets | $366,046,000 | 1,720 |
| Average equity | $39,607,200 | 1,696 |
| Average total loans | $262,189,400 | 1,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3823% | 957 |
| Cost of funding earning assets | 2.0548% | 3,094 |
| Net interest margin | 4.3275% | 1,652 |
| Noninterest income to average assets | 0.8202% | 2,335 |
| Noninterest expense to average assets | 2.7494% | 5,106 |
| Loan and lease loss provision to assets | 0.3582% | 4,172 |
| Net operating income to assets | 1.6816% | 581 |
| Return on assets (ROA) | 1.6816% | 617 |
| Pretax return on assets | 1.7688% | 857 |
| Return on Equity (ROE) | 17.0642% | 544 |
| Retained earnings to average equity (ytd only) | 6.8311% | 1,576 |
| Net charge-offs to loans | 0.3256% | 4,011 |
| Credit loss provision to net charge-offs | 159.1449% | 2,984 |
| Earnings coverage of net charge-offs (x) | 9.4489% | 2,109 |
| Efficiency ratio | 56.1623% | 6,978 |
| Assets per employee ($millions) | 3.1466% | 5,789 |
| Cash dividends to net income (ytd only)* | 59.9681% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,890 |
| Loan loss allowance to noncurrent loans | 283.7240% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 6,669 |
| Noncurrent loans to loans | 0.4378% | 6,454 |
| Net loans and leases to total assets | 67.9745% | 3,968 |
| Net loans and leases to deposits | 87.7605% | 3,011 |
| Net loans and leases to core deposits | 99.9446% | 4,378 |
| Total domestic deposits to total assets | 77.4546% | 6,227 |
| Equity capital to assets | 10.2765% | 3,756 |
| Core capital (leverage) ratio | 9.2890% | 4,204 |
| Tier 1 risk-based capital ratio | 11.7073% | 5,238 |
| Total risk-based capital ratio | 12.8067% | 5,321 |
| Memoranda: | ||
| Average total assets | $249,359,250 | 2,630 |
| Average earning assets | $233,723,250 | 2,577 |
| Average equity | $24,573,250 | 2,681 |
| Average total loans | $172,372,750 | 2,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4628% | 893 |
| Cost of funding earning assets | 2.0976% | 3,280 |
| Net interest margin | 4.3651% | 1,484 |
| Noninterest income to average assets | 0.8371% | 2,233 |
| Noninterest expense to average assets | 2.8208% | 4,871 |
| Loan and lease loss provision to assets | 0.1980% | 5,074 |
| Net operating income to assets | 1.8148% | 443 |
| Return on assets (ROA) | 1.8148% | 487 |
| Pretax return on assets | 1.9093% | 683 |
| Return on Equity (ROE) | 18.6904% | 433 |
| Retained earnings to average equity (ytd only) | 7.2315% | 1,493 |
| Net charge-offs to loans | 0.0899% | 5,292 |
| Credit loss provision to net charge-offs | 318.1818% | 1,465 |
| Earnings coverage of net charge-offs (x) | 33.8701% | 918 |
| Efficiency ratio | 57.0257% | 6,984 |
| Assets per employee ($millions) | 3.1804% | 5,626 |
| Cash dividends to net income (ytd only)* | 61.3090% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 4,984 |
| Loan loss allowance to noncurrent loans | 324.2658% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,761 |
| Noncurrent loans to loans | 0.3685% | 6,591 |
| Net loans and leases to total assets | 69.9324% | 3,718 |
| Net loans and leases to deposits | 89.4810% | 2,899 |
| Net loans and leases to core deposits | 101.4443% | 4,353 |
| Total domestic deposits to total assets | 78.1533% | 6,034 |
| Equity capital to assets | 9.9817% | 3,964 |
| Core capital (leverage) ratio | 9.1967% | 4,313 |
| Tier 1 risk-based capital ratio | 11.4503% | 5,443 |
| Total risk-based capital ratio | 12.5036% | 5,552 |
| Memoranda: | ||
| Average total assets | $247,521,670 | 2,658 |
| Average earning assets | $231,975,330 | 2,608 |
| Average equity | $24,033,670 | 2,754 |
| Average total loans | $171,354,670 | 2,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4646% | 926 |
| Cost of funding earning assets | 2.1549% | 3,393 |
| Net interest margin | 4.3097% | 1,578 |
| Noninterest income to average assets | 0.7814% | 2,425 |
| Noninterest expense to average assets | 2.5772% | 5,543 |
| Loan and lease loss provision to assets | 0.1941% | 4,497 |
| Net operating income to assets | 1.9398% | 388 |
| Return on assets (ROA) | 1.9398% | 442 |
| Pretax return on assets | 2.0417% | 616 |
| Return on Equity (ROE) | 20.2624% | 407 |
| Retained earnings to average equity (ytd only) | 9.8016% | 1,249 |
| Net charge-offs to loans | -0.0213% | 7,456 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3109% | 7,287 |
| Assets per employee ($millions) | 3.1381% | 5,780 |
| Cash dividends to net income (ytd only)* | 51.6264% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,672 |
| Loan loss allowance to noncurrent loans | 3,268.2540% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 7,549 |
| Noncurrent loans to loans | 0.0373% | 7,442 |
| Net loans and leases to total assets | 68.1531% | 4,097 |
| Net loans and leases to deposits | 87.4960% | 3,379 |
| Net loans and leases to core deposits | 100.0360% | 4,534 |
| Total domestic deposits to total assets | 77.8928% | 6,051 |
| Equity capital to assets | 9.7761% | 4,268 |
| Core capital (leverage) ratio | 9.2332% | 4,360 |
| Tier 1 risk-based capital ratio | 11.5300% | 5,382 |
| Total risk-based capital ratio | 12.5846% | 5,475 |
| Memoranda: | ||
| Average total assets | $247,245,500 | 2,681 |
| Average earning assets | $231,290,500 | 2,632 |
| Average equity | $23,669,500 | 2,803 |
| Average total loans | $169,241,000 | 2,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5960% | 2,510 |
| Cost of funding earning assets | 2.5858% | 3,754 |
| Net interest margin | 4.0102% | 3,065 |
| Noninterest income to average assets | 0.7945% | 2,550 |
| Noninterest expense to average assets | 2.5705% | 5,753 |
| Loan and lease loss provision to assets | 0.1436% | 5,518 |
| Net operating income to assets | 1.7319% | 634 |
| Return on assets (ROA) | 1.7319% | 607 |
| Pretax return on assets | 1.8218% | 901 |
| Return on Equity (ROE) | 18.0391% | 523 |
| Retained earnings to average equity (ytd only) | -3.3877% | 6,204 |
| Net charge-offs to loans | 0.0482% | 6,098 |
| Credit loss provision to net charge-offs | 440.5063% | 989 |
| Earnings coverage of net charge-offs (x) | 60.2785% | 663 |
| Efficiency ratio | 56.4331% | 6,953 |
| Assets per employee ($millions) | 3.1610% | 5,590 |
| Cash dividends to net income (ytd only)* | 118.7798% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,005 |
| Loan loss allowance to noncurrent loans | 586.6261% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,057 |
| Noncurrent loans to loans | 0.1940% | 6,810 |
| Net loans and leases to total assets | 67.1448% | 4,612 |
| Net loans and leases to deposits | 87.6401% | 3,847 |
| Net loans and leases to core deposits | 96.4009% | 5,220 |
| Total domestic deposits to total assets | 76.6142% | 6,091 |
| Equity capital to assets | 9.3745% | 4,853 |
| Core capital (leverage) ratio | 9.1137% | 4,572 |
| Tier 1 risk-based capital ratio | 11.4069% | 5,327 |
| Total risk-based capital ratio | 12.4110% | 5,471 |
| Memoranda: | ||
| Average total assets | $242,283,200 | 2,630 |
| Average earning assets | $226,046,000 | 2,586 |
| Average equity | $23,260,600 | 2,819 |
| Average total loans | $163,856,200 | 2,715 |