Home > First Southern Bank > Performance and Condition Ratios
First Southern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 2,844 |
| Cost of funding earning assets | 1.1835% | 2,846 |
| Net interest margin | 3.4388% | 2,326 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.9282% | 3,774 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2389% | 1,560 |
| Return on assets (ROA) | 1.2416% | 1,533 |
| Pretax return on assets | 1.6211% | 1,196 |
| Return on Equity (ROE) | 13.9700% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.5671% | 2,034 |
| Net charge-offs to loans | -0.0150% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.8420% | 3,846 |
| Assets per employee ($millions) | 6.4447% | 2,452 |
| Cash dividends to net income (ytd only)* | 52.9983% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,725 |
| Loan loss allowance to noncurrent loans | 76.6201% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3229% | 311 |
| Noncurrent loans to loans | 1.7071% | 364 |
| Net loans and leases to total assets | 65.0100% | 2,364 |
| Net loans and leases to deposits | 73.9771% | 2,618 |
| Net loans and leases to core deposits | 78.4755% | 2,801 |
| Total domestic deposits to total assets | 87.8800% | 1,395 |
| Equity capital to assets | 9.5594% | 2,304 |
| Core capital (leverage) ratio | 9.6958% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,019,382,600 | 968 |
| Average earning assets | $944,822,400 | 958 |
| Average equity | $90,588,400 | 1,025 |
| Average total loans | $653,485,200 | 1,024 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 2,894 |
| Cost of funding earning assets | 1.0854% | 2,786 |
| Net interest margin | 3.4240% | 2,405 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.9360% | 3,742 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2162% | 1,749 |
| Return on assets (ROA) | 1.2198% | 1,729 |
| Pretax return on assets | 1.5966% | 1,365 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 3.9229% | 3,276 |
| Net charge-offs to loans | -0.0209% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.1071% | 3,750 |
| Assets per employee ($millions) | 6.5684% | 2,275 |
| Cash dividends to net income (ytd only)* | 71.9048% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 1,715 |
| Loan loss allowance to noncurrent loans | 78.4962% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 323 |
| Noncurrent loans to loans | 1.7013% | 397 |
| Net loans and leases to total assets | 63.2600% | 2,532 |
| Net loans and leases to deposits | 73.1053% | 2,639 |
| Net loans and leases to core deposits | 77.1038% | 2,791 |
| Total domestic deposits to total assets | 86.5300% | 2,032 |
| Equity capital to assets | 8.5559% | 2,692 |
| Core capital (leverage) ratio | 9.5796% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,019,723,250 | 969 |
| Average earning assets | $944,138,000 | 958 |
| Average equity | $89,081,000 | 1,035 |
| Average total loans | $649,172,250 | 1,023 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 2,860 |
| Cost of funding earning assets | 0.9754% | 2,687 |
| Net interest margin | 3.4369% | 2,425 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.9050% | 3,810 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2217% | 1,769 |
| Return on assets (ROA) | 1.2271% | 1,750 |
| Pretax return on assets | 1.6084% | 1,396 |
| Return on Equity (ROE) | 13.9500% | 1,691 |
| Retained earnings to average equity (ytd only) | -0.9985% | 4,216 |
| Net charge-offs to loans | 0.0043% | 2,138 |
| Credit loss provision to net charge-offs | 1,928.5714% | 272 |
| Earnings coverage of net charge-offs (x) | 602.8571% | 243 |
| Efficiency ratio | 50.2258% | 3,908 |
| Assets per employee ($millions) | 6.3483% | 2,429 |
| Cash dividends to net income (ytd only)* | 107.1565% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 1,673 |
| Loan loss allowance to noncurrent loans | 79.4128% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 297 |
| Noncurrent loans to loans | 1.7118% | 359 |
| Net loans and leases to total assets | 63.2000% | 2,465 |
| Net loans and leases to deposits | 74.2637% | 2,465 |
| Net loans and leases to core deposits | 77.7441% | 2,634 |
| Total domestic deposits to total assets | 85.1000% | 2,519 |
| Equity capital to assets | 8.7559% | 2,690 |
| Core capital (leverage) ratio | 9.3165% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,020,263,333 | 954 |
| Average earning assets | $946,273,333 | 948 |
| Average equity | $89,738,667 | 1,022 |
| Average total loans | $647,987,667 | 1,007 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,845 |
| Cost of funding earning assets | 0.8564% | 2,519 |
| Net interest margin | 3.4243% | 2,570 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9121% | 3,825 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1769% | 2,000 |
| Return on assets (ROA) | 1.1769% | 1,959 |
| Pretax return on assets | 1.5420% | 1,586 |
| Return on Equity (ROE) | 13.3500% | 1,914 |
| Retained earnings to average equity (ytd only) | -9.6353% | 4,467 |
| Net charge-offs to loans | 0.0049% | 1,789 |
| Credit loss provision to net charge-offs | 2,625.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 520.5000% | 219 |
| Efficiency ratio | 50.8327% | 3,867 |
| Assets per employee ($millions) | 6.5582% | 2,301 |
| Cash dividends to net income (ytd only)* | 172.1670% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 1,956 |
| Loan loss allowance to noncurrent loans | 67.2184% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 270 |
| Noncurrent loans to loans | 1.9598% | 291 |
| Net loans and leases to total assets | 62.5400% | 2,408 |
| Net loans and leases to deposits | 72.6481% | 2,411 |
| Net loans and leases to core deposits | 75.5099% | 2,568 |
| Total domestic deposits to total assets | 86.0900% | 2,560 |
| Equity capital to assets | 8.7108% | 2,729 |
| Core capital (leverage) ratio | 9.1072% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,025,702,500 | 963 |
| Average earning assets | $952,844,000 | 950 |
| Average equity | $90,417,500 | 1,028 |
| Average total loans | $648,631,000 | 1,017 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 3,331 |
| Cost of funding earning assets | 0.2568% | 3,272 |
| Net interest margin | 3.1491% | 3,024 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.6581% | 4,234 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1946% | 1,796 |
| Return on assets (ROA) | 1.1934% | 1,732 |
| Pretax return on assets | 1.5846% | 1,202 |
| Return on Equity (ROE) | 11.8200% | 2,207 |
| Retained earnings to average equity (ytd only) | -18.9421% | 4,689 |
| Net charge-offs to loans | 0.0591% | 1,060 |
| Credit loss provision to net charge-offs | 95.7447% | 1,595 |
| Earnings coverage of net charge-offs (x) | 46.1223% | 1,411 |
| Efficiency ratio | 48.2918% | 4,223 |
| Assets per employee ($millions) | 6.7201% | 2,171 |
| Cash dividends to net income (ytd only)* | 260.2207% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 4,163 |
| Loan loss allowance to noncurrent loans | 58.9472% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 565 |
| Noncurrent loans to loans | 1.2452% | 559 |
| Net loans and leases to total assets | 62.6400% | 2,369 |
| Net loans and leases to deposits | 72.7775% | 2,347 |
| Net loans and leases to core deposits | 73.9397% | 2,565 |
| Total domestic deposits to total assets | 86.0600% | 2,705 |
| Equity capital to assets | 8.9177% | 2,408 |
| Core capital (leverage) ratio | 9.3773% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,070,680,000 | 924 |
| Average earning assets | $998,572,400 | 907 |
| Average equity | $108,081,800 | 895 |
| Average total loans | $636,503,600 | 990 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0214% | 3,849 |
| Cost of funding earning assets | 0.1714% | 3,608 |
| Net interest margin | 2.8500% | 3,623 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.5238% | 4,391 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0435% | 2,308 |
| Return on assets (ROA) | 1.0419% | 2,276 |
| Pretax return on assets | 1.4305% | 1,626 |
| Return on Equity (ROE) | 10.0400% | 2,712 |
| Retained earnings to average equity (ytd only) | -29.5318% | 4,743 |
| Net charge-offs to loans | 0.0061% | 1,935 |
| Credit loss provision to net charge-offs | 879.3103% | 446 |
| Earnings coverage of net charge-offs (x) | 408.7586% | 377 |
| Efficiency ratio | 49.4565% | 4,191 |
| Assets per employee ($millions) | 7.0386% | 1,913 |
| Cash dividends to net income (ytd only)* | 394.1093% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,120 |
| Loan loss allowance to noncurrent loans | 57.2745% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 575 |
| Noncurrent loans to loans | 1.3753% | 526 |
| Net loans and leases to total assets | 59.6700% | 2,535 |
| Net loans and leases to deposits | 67.0710% | 2,628 |
| Net loans and leases to core deposits | 67.8154% | 2,821 |
| Total domestic deposits to total assets | 88.9600% | 2,110 |
| Equity capital to assets | 8.0797% | 2,853 |
| Core capital (leverage) ratio | 8.8591% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,079,628,000 | 921 |
| Average earning assets | $1,007,442,750 | 910 |
| Average equity | $112,030,250 | 885 |
| Average total loans | $632,378,750 | 985 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 2,055 |
| Cost of funding earning assets | 0.1760% | 3,229 |
| Net interest margin | 3.3497% | 1,759 |
| Noninterest income to average assets | 0.3936% | 2,795 |
| Noninterest expense to average assets | 1.8241% | 3,895 |
| Loan and lease loss provision to assets | 0.0372% | 1,920 |
| Net operating income to assets | 1.2712% | 1,218 |
| Return on assets (ROA) | 1.2681% | 1,209 |
| Pretax return on assets | 1.6777% | 792 |
| Return on Equity (ROE) | 11.6210% | 1,785 |
| Retained earnings to average equity (ytd only) | -62.7241% | 4,761 |
| Net charge-offs to loans | 0.0150% | 1,461 |
| Credit loss provision to net charge-offs | 394.7368% | 705 |
| Earnings coverage of net charge-offs (x) | 182.6316% | 567 |
| Efficiency ratio | 50.8354% | 4,201 |
| Assets per employee ($millions) | 6.4189% | 2,377 |
| Cash dividends to net income (ytd only)* | 639.7461% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 3,839 |
| Loan loss allowance to noncurrent loans | 66.9615% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 533 |
| Noncurrent loans to loans | 1.4019% | 539 |
| Net loans and leases to total assets | 63.7027% | 1,942 |
| Net loans and leases to deposits | 78.5650% | 1,495 |
| Net loans and leases to core deposits | 79.8101% | 1,729 |
| Total domestic deposits to total assets | 81.0828% | 4,120 |
| Equity capital to assets | 7.4150% | 3,523 |
| Core capital (leverage) ratio | 8.6294% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,515,000 | 1,185 |
| Average earning assets | $759,229,333 | 1,178 |
| Average equity | $88,116,000 | 1,073 |
| Average total loans | $507,304,000 | 1,156 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 1,947 |
| Cost of funding earning assets | 0.1765% | 3,135 |
| Net interest margin | 3.2746% | 1,631 |
| Noninterest income to average assets | 0.4101% | 2,619 |
| Noninterest expense to average assets | 1.8401% | 3,840 |
| Loan and lease loss provision to assets | 0.0373% | 1,688 |
| Net operating income to assets | 1.2224% | 1,191 |
| Return on assets (ROA) | 1.2224% | 1,175 |
| Pretax return on assets | 1.6171% | 801 |
| Return on Equity (ROE) | 9.6360% | 2,110 |
| Retained earnings to average equity (ytd only) | -9.1299% | 4,546 |
| Net charge-offs to loans | 0.0104% | 1,375 |
| Credit loss provision to net charge-offs | 576.9231% | 482 |
| Earnings coverage of net charge-offs (x) | 255.6923% | 358 |
| Efficiency ratio | 52.0011% | 4,201 |
| Assets per employee ($millions) | 6.1972% | 2,636 |
| Cash dividends to net income (ytd only)* | 194.7476% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,897 |
| Loan loss allowance to noncurrent loans | 54.5893% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 402 |
| Noncurrent loans to loans | 1.7452% | 449 |
| Net loans and leases to total assets | 62.3784% | 1,810 |
| Net loans and leases to deposits | 76.6176% | 1,393 |
| Net loans and leases to core deposits | 77.6685% | 1,641 |
| Total domestic deposits to total assets | 81.4153% | 4,156 |
| Equity capital to assets | 11.8321% | 1,010 |
| Core capital (leverage) ratio | 11.9410% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,672,000 | 1,189 |
| Average earning assets | $756,969,500 | 1,183 |
| Average equity | $101,950,500 | 976 |
| Average total loans | $498,843,000 | 1,168 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 1,998 |
| Cost of funding earning assets | 0.2699% | 2,704 |
| Net interest margin | 3.4727% | 1,820 |
| Noninterest income to average assets | 0.5095% | 2,517 |
| Noninterest expense to average assets | 1.9210% | 3,875 |
| Loan and lease loss provision to assets | 0.0902% | 1,380 |
| Net operating income to assets | 1.3440% | 1,463 |
| Return on assets (ROA) | 1.3378% | 1,521 |
| Pretax return on assets | 1.7367% | 1,052 |
| Return on Equity (ROE) | 9.8513% | 2,582 |
| Retained earnings to average equity (ytd only) | 5.3460% | 2,646 |
| Net charge-offs to loans | 0.0991% | 860 |
| Credit loss provision to net charge-offs | 142.8571% | 1,522 |
| Earnings coverage of net charge-offs (x) | 29.0592% | 1,626 |
| Efficiency ratio | 50.5095% | 4,243 |
| Assets per employee ($millions) | 6.0726% | 2,692 |
| Cash dividends to net income (ytd only)* | 45.7330% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,792 |
| Loan loss allowance to noncurrent loans | 67.5896% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 598 |
| Noncurrent loans to loans | 1.4628% | 625 |
| Net loans and leases to total assets | 60.5394% | 2,102 |
| Net loans and leases to deposits | 73.8928% | 1,729 |
| Net loans and leases to core deposits | 75.1971% | 1,979 |
| Total domestic deposits to total assets | 81.9287% | 3,978 |
| Equity capital to assets | 13.5566% | 752 |
| Core capital (leverage) ratio | 12.1751% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,048,200 | 1,188 |
| Average earning assets | $725,460,000 | 1,187 |
| Average equity | $105,387,000 | 969 |
| Average total loans | $494,600,000 | 1,180 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 2,156 |
| Cost of funding earning assets | 0.2923% | 2,662 |
| Net interest margin | 3.4540% | 2,001 |
| Noninterest income to average assets | 0.5239% | 2,523 |
| Noninterest expense to average assets | 1.9474% | 3,818 |
| Loan and lease loss provision to assets | 0.1080% | 1,116 |
| Net operating income to assets | 1.3153% | 1,771 |
| Return on assets (ROA) | 1.3105% | 1,847 |
| Pretax return on assets | 1.6862% | 1,440 |
| Return on Equity (ROE) | 9.6460% | 2,863 |
| Retained earnings to average equity (ytd only) | 3.8584% | 3,620 |
| Net charge-offs to loans | 0.1042% | 722 |
| Credit loss provision to net charge-offs | 161.0825% | 1,316 |
| Earnings coverage of net charge-offs (x) | 26.8376% | 1,590 |
| Efficiency ratio | 51.3217% | 4,094 |
| Assets per employee ($millions) | 5.9167% | 2,773 |
| Cash dividends to net income (ytd only)* | 60.0000% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,830 |
| Loan loss allowance to noncurrent loans | 63.2653% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 628 |
| Noncurrent loans to loans | 1.5877% | 645 |
| Net loans and leases to total assets | 61.0269% | 2,132 |
| Net loans and leases to deposits | 74.2744% | 1,829 |
| Net loans and leases to core deposits | 75.5737% | 2,096 |
| Total domestic deposits to total assets | 82.1641% | 3,903 |
| Equity capital to assets | 13.6933% | 811 |
| Core capital (leverage) ratio | 12.1899% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $771,183,000 | 1,209 |
| Average earning assets | $719,799,000 | 1,204 |
| Average equity | $104,772,750 | 989 |
| Average total loans | $496,648,750 | 1,191 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 1,965 |
| Cost of funding earning assets | 0.3174% | 2,616 |
| Net interest margin | 3.5234% | 1,791 |
| Noninterest income to average assets | 0.5334% | 2,473 |
| Noninterest expense to average assets | 1.9461% | 3,847 |
| Loan and lease loss provision to assets | 0.1172% | 1,079 |
| Net operating income to assets | 1.3822% | 1,625 |
| Return on assets (ROA) | 1.3775% | 1,707 |
| Pretax return on assets | 1.7512% | 1,354 |
| Return on Equity (ROE) | 10.1664% | 2,690 |
| Retained earnings to average equity (ytd only) | 1.7972% | 4,165 |
| Net charge-offs to loans | 0.1591% | 524 |
| Credit loss provision to net charge-offs | 112.7820% | 1,295 |
| Earnings coverage of net charge-offs (x) | 18.0376% | 1,571 |
| Efficiency ratio | 50.3034% | 4,213 |
| Assets per employee ($millions) | 5.5034% | 3,127 |
| Cash dividends to net income (ytd only)* | 82.3218% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,006 |
| Loan loss allowance to noncurrent loans | 54.4890% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 585 |
| Noncurrent loans to loans | 1.7390% | 603 |
| Net loans and leases to total assets | 63.5293% | 2,006 |
| Net loans and leases to deposits | 77.6955% | 1,662 |
| Net loans and leases to core deposits | 78.8705% | 1,968 |
| Total domestic deposits to total assets | 81.7671% | 3,965 |
| Equity capital to assets | 13.6589% | 795 |
| Core capital (leverage) ratio | 12.0135% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $767,910,667 | 1,204 |
| Average earning assets | $716,417,000 | 1,206 |
| Average equity | $104,048,667 | 986 |
| Average total loans | $501,713,000 | 1,183 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 1,625 |
| Cost of funding earning assets | 0.3504% | 2,511 |
| Net interest margin | 3.6432% | 1,467 |
| Noninterest income to average assets | 0.4903% | 2,655 |
| Noninterest expense to average assets | 1.9933% | 3,736 |
| Loan and lease loss provision to assets | 0.1170% | 1,170 |
| Net operating income to assets | 1.3438% | 1,698 |
| Return on assets (ROA) | 1.3372% | 1,808 |
| Pretax return on assets | 1.7718% | 1,350 |
| Return on Equity (ROE) | 9.9086% | 2,722 |
| Retained earnings to average equity (ytd only) | -6.8651% | 4,743 |
| Net charge-offs to loans | 0.1553% | 504 |
| Credit loss provision to net charge-offs | 114.2132% | 1,063 |
| Earnings coverage of net charge-offs (x) | 18.5228% | 1,278 |
| Efficiency ratio | 50.6749% | 4,130 |
| Assets per employee ($millions) | 5.6583% | 2,963 |
| Cash dividends to net income (ytd only)* | 169.2846% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,080 |
| Loan loss allowance to noncurrent loans | 79.4845% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 1,086 |
| Noncurrent loans to loans | 1.1675% | 1,136 |
| Net loans and leases to total assets | 63.7085% | 2,084 |
| Net loans and leases to deposits | 77.5172% | 1,758 |
| Net loans and leases to core deposits | 78.7087% | 2,121 |
| Total domestic deposits to total assets | 82.1864% | 3,856 |
| Equity capital to assets | 13.2272% | 853 |
| Core capital (leverage) ratio | 11.8053% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,376,500 | 1,187 |
| Average earning assets | $718,049,500 | 1,184 |
| Average equity | $103,829,000 | 977 |
| Average total loans | $507,252,000 | 1,170 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 1,951 |
| Cost of funding earning assets | 0.5049% | 2,921 |
| Net interest margin | 3.7667% | 1,597 |
| Noninterest income to average assets | 0.5702% | 2,334 |
| Noninterest expense to average assets | 2.0070% | 4,128 |
| Loan and lease loss provision to assets | 0.2413% | 1,616 |
| Net operating income to assets | 1.3787% | 1,067 |
| Return on assets (ROA) | 1.3717% | 1,174 |
| Pretax return on assets | 1.8189% | 661 |
| Return on Equity (ROE) | 10.0037% | 2,004 |
| Retained earnings to average equity (ytd only) | 5.8682% | 1,864 |
| Net charge-offs to loans | 0.1028% | 1,439 |
| Credit loss provision to net charge-offs | 341.0853% | 1,604 |
| Earnings coverage of net charge-offs (x) | 29.2481% | 1,633 |
| Efficiency ratio | 48.6697% | 4,601 |
| Assets per employee ($millions) | 5.4540% | 2,889 |
| Cash dividends to net income (ytd only)* | 41.3393% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,206 |
| Loan loss allowance to noncurrent loans | 49.1189% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 645 |
| Noncurrent loans to loans | 1.8145% | 682 |
| Net loans and leases to total assets | 66.9777% | 1,954 |
| Net loans and leases to deposits | 81.1883% | 1,742 |
| Net loans and leases to core deposits | 82.5752% | 2,152 |
| Total domestic deposits to total assets | 82.4967% | 3,537 |
| Equity capital to assets | 13.7673% | 852 |
| Core capital (leverage) ratio | 11.9800% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,403,600 | 1,135 |
| Average earning assets | $678,899,600 | 1,132 |
| Average equity | $100,013,000 | 959 |
| Average total loans | $501,965,200 | 1,136 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,013 |
| Cost of funding earning assets | 0.5388% | 3,003 |
| Net interest margin | 3.7929% | 1,635 |
| Noninterest income to average assets | 0.5778% | 2,265 |
| Noninterest expense to average assets | 2.0307% | 4,085 |
| Loan and lease loss provision to assets | 0.2368% | 1,717 |
| Net operating income to assets | 1.3859% | 1,134 |
| Return on assets (ROA) | 1.3811% | 1,241 |
| Pretax return on assets | 1.8315% | 741 |
| Return on Equity (ROE) | 10.0832% | 1,984 |
| Retained earnings to average equity (ytd only) | 4.4967% | 2,801 |
| Net charge-offs to loans | 0.0867% | 1,438 |
| Credit loss provision to net charge-offs | 395.0617% | 1,476 |
| Earnings coverage of net charge-offs (x) | 34.6142% | 1,474 |
| Efficiency ratio | 48.8961% | 4,561 |
| Assets per employee ($millions) | 5.3431% | 2,841 |
| Cash dividends to net income (ytd only)* | 55.4038% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,265 |
| Loan loss allowance to noncurrent loans | 66.7441% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 1,157 |
| Noncurrent loans to loans | 1.2547% | 1,199 |
| Net loans and leases to total assets | 67.2781% | 2,352 |
| Net loans and leases to deposits | 81.7176% | 2,127 |
| Net loans and leases to core deposits | 83.3185% | 2,543 |
| Total domestic deposits to total assets | 82.3300% | 3,332 |
| Equity capital to assets | 13.5286% | 993 |
| Core capital (leverage) ratio | 11.8984% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,863,250 | 1,133 |
| Average earning assets | $670,364,750 | 1,128 |
| Average equity | $98,735,750 | 965 |
| Average total loans | $498,452,250 | 1,130 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,074 |
| Cost of funding earning assets | 0.5864% | 3,038 |
| Net interest margin | 3.8649% | 1,653 |
| Noninterest income to average assets | 0.4981% | 2,575 |
| Noninterest expense to average assets | 2.0496% | 4,132 |
| Loan and lease loss provision to assets | 0.2259% | 1,854 |
| Net operating income to assets | 1.3713% | 1,175 |
| Return on assets (ROA) | 1.3670% | 1,278 |
| Pretax return on assets | 1.8132% | 794 |
| Return on Equity (ROE) | 9.9371% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.4451% | 3,958 |
| Net charge-offs to loans | 0.1371% | 1,028 |
| Credit loss provision to net charge-offs | 236.6864% | 1,788 |
| Earnings coverage of net charge-offs (x) | 21.4201% | 1,655 |
| Efficiency ratio | 49.4827% | 4,534 |
| Assets per employee ($millions) | 5.3002% | 2,835 |
| Cash dividends to net income (ytd only)* | 85.4576% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 4,472 |
| Loan loss allowance to noncurrent loans | 55.0317% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 1,064 |
| Noncurrent loans to loans | 1.3570% | 1,134 |
| Net loans and leases to total assets | 68.3655% | 2,293 |
| Net loans and leases to deposits | 84.4721% | 1,940 |
| Net loans and leases to core deposits | 86.4627% | 2,398 |
| Total domestic deposits to total assets | 80.9326% | 3,624 |
| Equity capital to assets | 13.4630% | 993 |
| Core capital (leverage) ratio | 11.8631% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,244,000 | 1,132 |
| Average earning assets | $658,955,000 | 1,126 |
| Average equity | $97,433,000 | 967 |
| Average total loans | $493,015,000 | 1,126 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 2,220 |
| Cost of funding earning assets | 0.6741% | 3,040 |
| Net interest margin | 3.8579% | 1,802 |
| Noninterest income to average assets | 0.4987% | 2,554 |
| Noninterest expense to average assets | 2.1766% | 4,069 |
| Loan and lease loss provision to assets | 0.1620% | 1,791 |
| Net operating income to assets | 1.3306% | 1,155 |
| Return on assets (ROA) | 1.3238% | 1,272 |
| Pretax return on assets | 1.7508% | 769 |
| Return on Equity (ROE) | 9.5136% | 1,907 |
| Retained earnings to average equity (ytd only) | -7.6882% | 4,677 |
| Net charge-offs to loans | 0.0727% | 1,300 |
| Credit loss provision to net charge-offs | 318.1818% | 1,132 |
| Earnings coverage of net charge-offs (x) | 37.7386% | 1,056 |
| Efficiency ratio | 52.5201% | 4,512 |
| Assets per employee ($millions) | 4.8595% | 2,804 |
| Cash dividends to net income (ytd only)* | 180.8129% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 4,567 |
| Loan loss allowance to noncurrent loans | 43.2508% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 892 |
| Noncurrent loans to loans | 1.6796% | 908 |
| Net loans and leases to total assets | 69.2692% | 2,359 |
| Net loans and leases to deposits | 87.8855% | 1,758 |
| Net loans and leases to core deposits | 90.1881% | 2,323 |
| Total domestic deposits to total assets | 78.8175% | 4,084 |
| Equity capital to assets | 13.5591% | 1,200 |
| Core capital (leverage) ratio | 12.2726% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,350,500 | 1,127 |
| Average earning assets | $645,015,000 | 1,115 |
| Average equity | $96,199,500 | 973 |
| Average total loans | $483,967,500 | 1,123 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 2,683 |
| Cost of funding earning assets | 0.7225% | 3,055 |
| Net interest margin | 3.8588% | 2,308 |
| Noninterest income to average assets | 0.5094% | 2,682 |
| Noninterest expense to average assets | 2.2255% | 4,111 |
| Loan and lease loss provision to assets | 0.0918% | 2,196 |
| Net operating income to assets | 1.3527% | 1,494 |
| Return on assets (ROA) | 1.3440% | 1,605 |
| Pretax return on assets | 1.7737% | 1,009 |
| Return on Equity (ROE) | 9.4219% | 2,561 |
| Retained earnings to average equity (ytd only) | -2.7966% | 4,905 |
| Net charge-offs to loans | 0.1566% | 1,282 |
| Credit loss provision to net charge-offs | 85.1351% | 2,729 |
| Earnings coverage of net charge-offs (x) | 17.3973% | 2,111 |
| Efficiency ratio | 53.6707% | 4,454 |
| Assets per employee ($millions) | 4.6458% | 3,024 |
| Cash dividends to net income (ytd only)* | 129.6822% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 4,574 |
| Loan loss allowance to noncurrent loans | 46.2886% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 983 |
| Noncurrent loans to loans | 1.5111% | 950 |
| Net loans and leases to total assets | 69.7447% | 2,441 |
| Net loans and leases to deposits | 88.0694% | 1,835 |
| Net loans and leases to core deposits | 90.4444% | 2,381 |
| Total domestic deposits to total assets | 79.1929% | 4,152 |
| Equity capital to assets | 14.2791% | 1,006 |
| Core capital (leverage) ratio | 12.4783% | 1,497 |
| Tier 1 risk-based capital ratio | 17.4470% | 1,911 |
| Total risk-based capital ratio | 18.1358% | 2,036 |
| Memoranda: | ||
| Average total assets | $686,061,200 | 1,091 |
| Average earning assets | $638,721,200 | 1,083 |
| Average equity | $97,867,800 | 913 |
| Average total loans | $472,655,000 | 1,127 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 2,891 |
| Cost of funding earning assets | 0.7290% | 3,073 |
| Net interest margin | 3.8210% | 2,524 |
| Noninterest income to average assets | 0.4925% | 2,781 |
| Noninterest expense to average assets | 2.2236% | 4,139 |
| Loan and lease loss provision to assets | 0.0874% | 2,170 |
| Net operating income to assets | 1.3186% | 1,774 |
| Return on assets (ROA) | 1.3103% | 1,895 |
| Pretax return on assets | 1.7271% | 1,258 |
| Return on Equity (ROE) | 9.1876% | 2,808 |
| Retained earnings to average equity (ytd only) | -1.0767% | 4,866 |
| Net charge-offs to loans | 0.1079% | 1,389 |
| Credit loss provision to net charge-offs | 118.1102% | 1,981 |
| Earnings coverage of net charge-offs (x) | 24.6744% | 1,787 |
| Efficiency ratio | 54.3153% | 4,361 |
| Assets per employee ($millions) | 4.7494% | 2,854 |
| Cash dividends to net income (ytd only)* | 111.7185% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 4,565 |
| Loan loss allowance to noncurrent loans | 55.2879% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 1,254 |
| Noncurrent loans to loans | 1.3447% | 1,142 |
| Net loans and leases to total assets | 67.1221% | 2,911 |
| Net loans and leases to deposits | 84.3673% | 2,408 |
| Net loans and leases to core deposits | 86.5774% | 2,860 |
| Total domestic deposits to total assets | 79.5594% | 4,078 |
| Equity capital to assets | 14.1118% | 1,105 |
| Core capital (leverage) ratio | 12.6169% | 1,520 |
| Tier 1 risk-based capital ratio | 17.7909% | 1,884 |
| Total risk-based capital ratio | 18.5146% | 1,966 |
| Memoranda: | ||
| Average total assets | $686,842,750 | 1,087 |
| Average earning assets | $639,230,250 | 1,079 |
| Average equity | $97,955,500 | 917 |
| Average total loans | $470,902,250 | 1,134 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,898 |
| Cost of funding earning assets | 0.7169% | 3,071 |
| Net interest margin | 3.8184% | 2,527 |
| Noninterest income to average assets | 0.4740% | 2,818 |
| Noninterest expense to average assets | 2.2213% | 4,184 |
| Loan and lease loss provision to assets | 0.0880% | 2,084 |
| Net operating income to assets | 1.3030% | 1,759 |
| Return on assets (ROA) | 1.2963% | 1,847 |
| Pretax return on assets | 1.7104% | 1,253 |
| Return on Equity (ROE) | 9.0565% | 2,828 |
| Retained earnings to average equity (ytd only) | 0.6418% | 4,526 |
| Net charge-offs to loans | 0.1363% | 1,108 |
| Credit loss provision to net charge-offs | 93.7500% | 2,090 |
| Earnings coverage of net charge-offs (x) | 19.2406% | 1,825 |
| Efficiency ratio | 54.5315% | 4,414 |
| Assets per employee ($millions) | 4.6790% | 2,908 |
| Cash dividends to net income (ytd only)* | 92.9137% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 4,656 |
| Loan loss allowance to noncurrent loans | 54.0986% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 1,324 |
| Noncurrent loans to loans | 1.3399% | 1,161 |
| Net loans and leases to total assets | 67.6748% | 2,864 |
| Net loans and leases to deposits | 86.9356% | 2,138 |
| Net loans and leases to core deposits | 88.9596% | 2,700 |
| Total domestic deposits to total assets | 77.8448% | 4,427 |
| Equity capital to assets | 14.3071% | 1,010 |
| Core capital (leverage) ratio | 13.1393% | 1,240 |
| Tier 1 risk-based capital ratio | 18.1470% | 1,767 |
| Total risk-based capital ratio | 18.8579% | 1,861 |
| Memoranda: | ||
| Average total assets | $681,487,330 | 1,092 |
| Average earning assets | $634,356,000 | 1,089 |
| Average equity | $97,543,000 | 915 |
| Average total loans | $469,422,670 | 1,135 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 2,757 |
| Cost of funding earning assets | 0.7008% | 3,053 |
| Net interest margin | 3.8313% | 2,415 |
| Noninterest income to average assets | 0.4317% | 2,964 |
| Noninterest expense to average assets | 2.2528% | 4,143 |
| Loan and lease loss provision to assets | 0.0891% | 1,931 |
| Net operating income to assets | 1.2550% | 1,866 |
| Return on assets (ROA) | 1.2541% | 1,917 |
| Pretax return on assets | 1.6531% | 1,337 |
| Return on Equity (ROE) | 8.7597% | 2,918 |
| Retained earnings to average equity (ytd only) | -8.2620% | 5,042 |
| Net charge-offs to loans | 0.1689% | 806 |
| Credit loss provision to net charge-offs | 76.1421% | 1,806 |
| Earnings coverage of net charge-offs (x) | 14.9036% | 1,766 |
| Efficiency ratio | 55.7504% | 4,366 |
| Assets per employee ($millions) | 4.4764% | 3,227 |
| Cash dividends to net income (ytd only)* | 194.3182% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7338% | 4,708 |
| Loan loss allowance to noncurrent loans | 57.7658% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,449 |
| Noncurrent loans to loans | 1.2702% | 1,295 |
| Net loans and leases to total assets | 67.9594% | 2,761 |
| Net loans and leases to deposits | 87.7595% | 1,906 |
| Net loans and leases to core deposits | 89.7386% | 2,530 |
| Total domestic deposits to total assets | 77.4381% | 4,599 |
| Equity capital to assets | 14.1080% | 1,003 |
| Core capital (leverage) ratio | 12.9459% | 1,296 |
| Tier 1 risk-based capital ratio | 17.9625% | 1,800 |
| Total risk-based capital ratio | 18.6798% | 1,909 |
| Memoranda: | ||
| Average total assets | $673,646,500 | 1,109 |
| Average earning assets | $626,730,500 | 1,105 |
| Average equity | $96,442,000 | 916 |
| Average total loans | $466,507,500 | 1,147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,843 |
| Cost of funding earning assets | 0.5194% | 3,230 |
| Net interest margin | 3.8566% | 2,478 |
| Noninterest income to average assets | 0.5009% | 2,832 |
| Noninterest expense to average assets | 2.2597% | 4,205 |
| Loan and lease loss provision to assets | 0.0884% | 2,377 |
| Net operating income to assets | 1.3536% | 1,602 |
| Return on assets (ROA) | 1.3529% | 1,593 |
| Pretax return on assets | 1.7336% | 1,085 |
| Return on Equity (ROE) | 9.8231% | 2,590 |
| Retained earnings to average equity (ytd only) | 5.5484% | 2,459 |
| Net charge-offs to loans | 0.1066% | 1,685 |
| Credit loss provision to net charge-offs | 119.2843% | 2,181 |
| Earnings coverage of net charge-offs (x) | 24.5845% | 1,802 |
| Efficiency ratio | 54.7391% | 4,551 |
| Assets per employee ($millions) | 4.3874% | 3,325 |
| Cash dividends to net income (ytd only)* | 43.5171% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,704 |
| Loan loss allowance to noncurrent loans | 75.9036% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 1,919 |
| Noncurrent loans to loans | 0.9771% | 1,662 |
| Net loans and leases to total assets | 69.5369% | 2,644 |
| Net loans and leases to deposits | 91.1279% | 1,649 |
| Net loans and leases to core deposits | 93.8798% | 2,237 |
| Total domestic deposits to total assets | 76.3069% | 4,715 |
| Equity capital to assets | 14.5290% | 831 |
| Core capital (leverage) ratio | 13.2993% | 1,145 |
| Tier 1 risk-based capital ratio | 16.2224% | 2,334 |
| Total risk-based capital ratio | 16.8645% | 2,490 |
| Memoranda: | ||
| Average total assets | $678,372,800 | 1,081 |
| Average earning assets | $630,008,200 | 1,074 |
| Average equity | $93,432,600 | 903 |
| Average total loans | $471,641,000 | 1,109 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,890 |
| Cost of funding earning assets | 0.4981% | 3,213 |
| Net interest margin | 3.8220% | 2,560 |
| Noninterest income to average assets | 0.5063% | 2,828 |
| Noninterest expense to average assets | 2.2623% | 4,191 |
| Loan and lease loss provision to assets | 0.0881% | 2,213 |
| Net operating income to assets | 1.3416% | 1,697 |
| Return on assets (ROA) | 1.3406% | 1,711 |
| Pretax return on assets | 1.7021% | 1,273 |
| Return on Equity (ROE) | 9.8664% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.5616% | 3,470 |
| Net charge-offs to loans | 0.1072% | 1,416 |
| Credit loss provision to net charge-offs | 118.4211% | 2,001 |
| Earnings coverage of net charge-offs (x) | 24.0870% | 1,826 |
| Efficiency ratio | 55.1951% | 4,488 |
| Assets per employee ($millions) | 4.5152% | 3,100 |
| Cash dividends to net income (ytd only)* | 53.7664% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,782 |
| Loan loss allowance to noncurrent loans | 87.1704% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,264 |
| Noncurrent loans to loans | 0.8480% | 2,007 |
| Net loans and leases to total assets | 67.2676% | 3,042 |
| Net loans and leases to deposits | 84.7693% | 2,507 |
| Net loans and leases to core deposits | 87.5789% | 2,870 |
| Total domestic deposits to total assets | 79.3537% | 4,245 |
| Equity capital to assets | 13.6917% | 1,059 |
| Core capital (leverage) ratio | 12.7733% | 1,381 |
| Tier 1 risk-based capital ratio | 17.9254% | 1,813 |
| Total risk-based capital ratio | 18.6465% | 1,916 |
| Memoranda: | ||
| Average total assets | $681,246,250 | 1,079 |
| Average earning assets | $632,291,000 | 1,075 |
| Average equity | $92,568,000 | 906 |
| Average total loans | $472,753,250 | 1,102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,776 |
| Cost of funding earning assets | 0.4763% | 3,183 |
| Net interest margin | 3.8185% | 2,508 |
| Noninterest income to average assets | 0.5118% | 2,792 |
| Noninterest expense to average assets | 2.2512% | 4,257 |
| Loan and lease loss provision to assets | 0.0883% | 2,150 |
| Net operating income to assets | 1.3029% | 1,765 |
| Return on assets (ROA) | 1.3029% | 1,758 |
| Pretax return on assets | 1.7164% | 1,176 |
| Return on Equity (ROE) | 9.6133% | 2,753 |
| Retained earnings to average equity (ytd only) | 2.1932% | 4,403 |
| Net charge-offs to loans | 0.0345% | 2,160 |
| Credit loss provision to net charge-offs | 365.8537% | 880 |
| Earnings coverage of net charge-offs (x) | 74.7805% | 862 |
| Efficiency ratio | 54.8872% | 4,594 |
| Assets per employee ($millions) | 4.4821% | 3,152 |
| Cash dividends to net income (ytd only)* | 77.1855% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,787 |
| Loan loss allowance to noncurrent loans | 93.4584% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 2,478 |
| Noncurrent loans to loans | 0.8230% | 2,080 |
| Net loans and leases to total assets | 67.9095% | 2,885 |
| Net loans and leases to deposits | 86.7521% | 2,245 |
| Net loans and leases to core deposits | 89.5820% | 2,607 |
| Total domestic deposits to total assets | 78.2800% | 4,541 |
| Equity capital to assets | 13.5728% | 1,075 |
| Core capital (leverage) ratio | 12.5773% | 1,393 |
| Tier 1 risk-based capital ratio | 17.5461% | 1,928 |
| Total risk-based capital ratio | 18.3018% | 2,028 |
| Memoranda: | ||
| Average total assets | $679,556,330 | 1,081 |
| Average earning assets | $630,713,000 | 1,078 |
| Average equity | $92,101,330 | 907 |
| Average total loans | $475,302,330 | 1,098 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,659 |
| Cost of funding earning assets | 0.4428% | 3,265 |
| Net interest margin | 3.8206% | 2,336 |
| Noninterest income to average assets | 0.4915% | 2,858 |
| Noninterest expense to average assets | 2.2744% | 4,245 |
| Loan and lease loss provision to assets | 0.0884% | 2,035 |
| Net operating income to assets | 1.2754% | 1,728 |
| Return on assets (ROA) | 1.2754% | 1,733 |
| Pretax return on assets | 1.6779% | 1,174 |
| Return on Equity (ROE) | 9.4171% | 2,711 |
| Retained earnings to average equity (ytd only) | -4.5519% | 5,181 |
| Net charge-offs to loans | -0.0167% | 4,463 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6739% | 4,622 |
| Assets per employee ($millions) | 4.4744% | 3,202 |
| Cash dividends to net income (ytd only)* | 148.3364% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 4,941 |
| Loan loss allowance to noncurrent loans | 80.7947% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,382 |
| Noncurrent loans to loans | 0.9161% | 1,988 |
| Net loans and leases to total assets | 69.7623% | 2,523 |
| Net loans and leases to deposits | 89.9851% | 1,692 |
| Net loans and leases to core deposits | 92.9213% | 2,218 |
| Total domestic deposits to total assets | 77.5265% | 4,800 |
| Equity capital to assets | 13.3221% | 1,104 |
| Core capital (leverage) ratio | 12.2042% | 1,528 |
| Tier 1 risk-based capital ratio | 17.0225% | 2,113 |
| Total risk-based capital ratio | 17.7646% | 2,224 |
| Memoranda: | ||
| Average total assets | $678,693,000 | 1,091 |
| Average earning assets | $630,484,500 | 1,091 |
| Average equity | $91,917,500 | 914 |
| Average total loans | $479,832,500 | 1,097 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,573 |
| Cost of funding earning assets | 0.3995% | 3,262 |
| Net interest margin | 3.8326% | 2,308 |
| Noninterest income to average assets | 0.4789% | 3,133 |
| Noninterest expense to average assets | 2.2174% | 4,494 |
| Loan and lease loss provision to assets | 0.0890% | 2,409 |
| Net operating income to assets | 1.0488% | 2,055 |
| Return on assets (ROA) | 1.0552% | 2,060 |
| Pretax return on assets | 1.7224% | 956 |
| Return on Equity (ROE) | 7.8254% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.4688% | 2,467 |
| Net charge-offs to loans | 0.0872% | 2,222 |
| Credit loss provision to net charge-offs | 142.5178% | 1,863 |
| Earnings coverage of net charge-offs (x) | 28.8409% | 1,589 |
| Efficiency ratio | 54.5535% | 4,901 |
| Assets per employee ($millions) | 4.3979% | 3,349 |
| Cash dividends to net income (ytd only)* | 42.8933% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 5,075 |
| Loan loss allowance to noncurrent loans | 77.0357% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,373 |
| Noncurrent loans to loans | 0.9077% | 1,965 |
| Net loans and leases to total assets | 70.6209% | 2,429 |
| Net loans and leases to deposits | 90.6651% | 1,690 |
| Net loans and leases to core deposits | 93.5892% | 2,234 |
| Total domestic deposits to total assets | 77.8921% | 4,731 |
| Equity capital to assets | 13.7654% | 969 |
| Core capital (leverage) ratio | 12.3347% | 1,433 |
| Tier 1 risk-based capital ratio | 17.1062% | 2,055 |
| Total risk-based capital ratio | 17.8067% | 2,186 |
| Memoranda: | ||
| Average total assets | $674,071,600 | 1,083 |
| Average earning assets | $622,581,400 | 1,084 |
| Average equity | $90,896,400 | 897 |
| Average total loans | $482,574,200 | 1,065 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 2,539 |
| Cost of funding earning assets | 0.3957% | 3,244 |
| Net interest margin | 3.8266% | 2,299 |
| Noninterest income to average assets | 0.4840% | 3,124 |
| Noninterest expense to average assets | 2.2449% | 4,429 |
| Loan and lease loss provision to assets | 0.0891% | 2,294 |
| Net operating income to assets | 1.1291% | 1,959 |
| Return on assets (ROA) | 1.1381% | 1,978 |
| Pretax return on assets | 1.6926% | 1,147 |
| Return on Equity (ROE) | 8.4844% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.9801% | 3,558 |
| Net charge-offs to loans | 0.0914% | 1,877 |
| Credit loss provision to net charge-offs | 135.9517% | 1,814 |
| Earnings coverage of net charge-offs (x) | 26.9760% | 1,658 |
| Efficiency ratio | 55.3121% | 4,813 |
| Assets per employee ($millions) | 4.3950% | 3,320 |
| Cash dividends to net income (ytd only)* | 53.0886% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 5,144 |
| Loan loss allowance to noncurrent loans | 79.0064% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 2,578 |
| Noncurrent loans to loans | 0.8798% | 2,173 |
| Net loans and leases to total assets | 69.8237% | 2,585 |
| Net loans and leases to deposits | 87.7067% | 2,099 |
| Net loans and leases to core deposits | 90.6180% | 2,557 |
| Total domestic deposits to total assets | 79.6104% | 4,415 |
| Equity capital to assets | 13.6775% | 1,090 |
| Core capital (leverage) ratio | 12.0668% | 1,641 |
| Tier 1 risk-based capital ratio | 16.9046% | 2,180 |
| Total risk-based capital ratio | 17.5964% | 2,319 |
| Memoranda: | ||
| Average total assets | $673,270,250 | 1,089 |
| Average earning assets | $620,944,000 | 1,092 |
| Average equity | $90,313,000 | 909 |
| Average total loans | $482,801,000 | 1,066 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 2,476 |
| Cost of funding earning assets | 0.3801% | 3,288 |
| Net interest margin | 3.8187% | 2,217 |
| Noninterest income to average assets | 0.4660% | 3,244 |
| Noninterest expense to average assets | 2.2560% | 4,448 |
| Loan and lease loss provision to assets | 0.0893% | 2,198 |
| Net operating income to assets | 1.0898% | 2,026 |
| Return on assets (ROA) | 1.0984% | 2,039 |
| Pretax return on assets | 1.6492% | 1,197 |
| Return on Equity (ROE) | 8.2426% | 2,891 |
| Retained earnings to average equity (ytd only) | 1.4292% | 4,675 |
| Net charge-offs to loans | 0.1290% | 1,389 |
| Credit loss provision to net charge-offs | 95.8466% | 2,087 |
| Earnings coverage of net charge-offs (x) | 18.5272% | 1,875 |
| Efficiency ratio | 56.0314% | 4,826 |
| Assets per employee ($millions) | 4.3031% | 3,425 |
| Cash dividends to net income (ytd only)* | 82.6605% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 5,280 |
| Loan loss allowance to noncurrent loans | 90.5876% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,787 |
| Noncurrent loans to loans | 0.7303% | 2,561 |
| Net loans and leases to total assets | 71.0462% | 2,367 |
| Net loans and leases to deposits | 89.3746% | 1,823 |
| Net loans and leases to core deposits | 92.7208% | 2,279 |
| Total domestic deposits to total assets | 79.4926% | 4,516 |
| Equity capital to assets | 13.5147% | 1,134 |
| Core capital (leverage) ratio | 12.0031% | 1,632 |
| Tier 1 risk-based capital ratio | 16.4048% | 2,356 |
| Total risk-based capital ratio | 17.0664% | 2,515 |
| Memoranda: | ||
| Average total assets | $672,083,000 | 1,091 |
| Average earning assets | $618,738,330 | 1,091 |
| Average equity | $89,559,330 | 917 |
| Average total loans | $485,102,330 | 1,062 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 2,329 |
| Cost of funding earning assets | 0.3561% | 3,463 |
| Net interest margin | 3.8276% | 2,022 |
| Noninterest income to average assets | 0.4788% | 3,128 |
| Noninterest expense to average assets | 2.3305% | 4,319 |
| Loan and lease loss provision to assets | 0.0892% | 2,055 |
| Net operating income to assets | 1.0612% | 2,025 |
| Return on assets (ROA) | 1.0588% | 2,078 |
| Pretax return on assets | 1.5786% | 1,292 |
| Return on Equity (ROE) | 8.0020% | 2,921 |
| Retained earnings to average equity (ytd only) | -4.6394% | 5,362 |
| Net charge-offs to loans | 0.1042% | 1,328 |
| Credit loss provision to net charge-offs | 118.1102% | 1,415 |
| Earnings coverage of net charge-offs (x) | 22.1260% | 1,429 |
| Efficiency ratio | 57.6100% | 4,762 |
| Assets per employee ($millions) | 4.3321% | 3,452 |
| Cash dividends to net income (ytd only)* | 157.9775% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 5,391 |
| Loan loss allowance to noncurrent loans | 58.7418% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 2,043 |
| Noncurrent loans to loans | 1.1226% | 1,820 |
| Net loans and leases to total assets | 71.5994% | 2,130 |
| Net loans and leases to deposits | 92.2181% | 1,309 |
| Net loans and leases to core deposits | 95.7325% | 1,836 |
| Total domestic deposits to total assets | 77.6413% | 5,018 |
| Equity capital to assets | 13.0972% | 1,219 |
| Core capital (leverage) ratio | 11.7431% | 1,792 |
| Tier 1 risk-based capital ratio | 15.8643% | 2,604 |
| Total risk-based capital ratio | 16.5257% | 2,775 |
| Memoranda: | ||
| Average total assets | $672,479,500 | 1,094 |
| Average earning assets | $618,982,000 | 1,093 |
| Average equity | $88,977,500 | 918 |
| Average total loans | $487,602,500 | 1,045 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,449 |
| Cost of funding earning assets | 0.3380% | 3,655 |
| Net interest margin | 3.8727% | 2,054 |
| Noninterest income to average assets | 0.5157% | 3,126 |
| Noninterest expense to average assets | 2.2503% | 4,649 |
| Loan and lease loss provision to assets | 0.0900% | 2,565 |
| Net operating income to assets | 1.1568% | 1,664 |
| Return on assets (ROA) | 1.1906% | 1,629 |
| Pretax return on assets | 1.7858% | 829 |
| Return on Equity (ROE) | 9.0661% | 2,386 |
| Retained earnings to average equity (ytd only) | 5.4753% | 2,029 |
| Net charge-offs to loans | 0.1157% | 2,103 |
| Credit loss provision to net charge-offs | 111.5242% | 2,353 |
| Earnings coverage of net charge-offs (x) | 22.6078% | 1,723 |
| Efficiency ratio | 54.5900% | 5,190 |
| Assets per employee ($millions) | 4.2894% | 3,451 |
| Cash dividends to net income (ytd only)* | 39.6067% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 5,442 |
| Loan loss allowance to noncurrent loans | 55.1158% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 1,968 |
| Noncurrent loans to loans | 1.1854% | 1,732 |
| Net loans and leases to total assets | 72.4694% | 2,100 |
| Net loans and leases to deposits | 94.4877% | 1,147 |
| Net loans and leases to core deposits | 97.4904% | 1,804 |
| Total domestic deposits to total assets | 76.6971% | 5,155 |
| Equity capital to assets | 13.3667% | 1,106 |
| Core capital (leverage) ratio | 11.9869% | 1,609 |
| Tier 1 risk-based capital ratio | 16.2417% | 2,456 |
| Total risk-based capital ratio | 16.9029% | 2,613 |
| Memoranda: | ||
| Average total assets | $666,311,400 | 1,066 |
| Average earning assets | $612,511,000 | 1,068 |
| Average equity | $87,501,800 | 908 |
| Average total loans | $465,015,200 | 1,043 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 2,471 |
| Cost of funding earning assets | 0.3356% | 3,706 |
| Net interest margin | 3.8771% | 2,063 |
| Noninterest income to average assets | 0.4956% | 3,282 |
| Noninterest expense to average assets | 2.3106% | 4,510 |
| Loan and lease loss provision to assets | 0.0901% | 2,423 |
| Net operating income to assets | 1.1062% | 1,971 |
| Return on assets (ROA) | 1.1400% | 1,953 |
| Pretax return on assets | 1.7025% | 1,112 |
| Return on Equity (ROE) | 8.7200% | 2,650 |
| Retained earnings to average equity (ytd only) | 4.0466% | 3,423 |
| Net charge-offs to loans | 0.1263% | 1,697 |
| Credit loss provision to net charge-offs | 103.4483% | 2,300 |
| Earnings coverage of net charge-offs (x) | 19.9929% | 1,900 |
| Efficiency ratio | 56.3859% | 5,019 |
| Assets per employee ($millions) | 4.3062% | 3,406 |
| Cash dividends to net income (ytd only)* | 53.5935% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 5,498 |
| Loan loss allowance to noncurrent loans | 54.7578% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 2,150 |
| Noncurrent loans to loans | 1.2147% | 1,847 |
| Net loans and leases to total assets | 68.9655% | 2,647 |
| Net loans and leases to deposits | 92.6229% | 1,418 |
| Net loans and leases to core deposits | 95.5928% | 2,039 |
| Total domestic deposits to total assets | 74.4583% | 5,388 |
| Equity capital to assets | 13.1019% | 1,444 |
| Core capital (leverage) ratio | 11.5245% | 2,007 |
| Tier 1 risk-based capital ratio | 16.0868% | 2,589 |
| Total risk-based capital ratio | 16.7505% | 2,762 |
| Memoranda: | ||
| Average total assets | $665,602,000 | 1,065 |
| Average earning assets | $610,684,000 | 1,072 |
| Average equity | $87,016,500 | 914 |
| Average total loans | $459,239,750 | 1,058 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,592 |
| Cost of funding earning assets | 0.3271% | 3,823 |
| Net interest margin | 3.8459% | 2,154 |
| Noninterest income to average assets | 0.4789% | 3,341 |
| Noninterest expense to average assets | 2.2898% | 4,639 |
| Loan and lease loss provision to assets | 0.0908% | 2,331 |
| Net operating income to assets | 1.1114% | 1,920 |
| Return on assets (ROA) | 1.1521% | 1,887 |
| Pretax return on assets | 1.7079% | 1,069 |
| Return on Equity (ROE) | 8.8196% | 2,577 |
| Retained earnings to average equity (ytd only) | 2.3080% | 4,404 |
| Net charge-offs to loans | 0.0387% | 2,681 |
| Credit loss provision to net charge-offs | 340.9091% | 873 |
| Earnings coverage of net charge-offs (x) | 65.2386% | 830 |
| Efficiency ratio | 56.2120% | 5,125 |
| Assets per employee ($millions) | 4.2166% | 3,529 |
| Cash dividends to net income (ytd only)* | 73.8308% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 5,494 |
| Loan loss allowance to noncurrent loans | 52.8239% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 2,066 |
| Noncurrent loans to loans | 1.3463% | 1,671 |
| Net loans and leases to total assets | 69.5304% | 2,544 |
| Net loans and leases to deposits | 87.4333% | 2,076 |
| Net loans and leases to core deposits | 90.2585% | 2,511 |
| Total domestic deposits to total assets | 79.5240% | 4,666 |
| Equity capital to assets | 13.0575% | 1,466 |
| Core capital (leverage) ratio | 11.3387% | 2,110 |
| Tier 1 risk-based capital ratio | 15.8158% | 2,733 |
| Total risk-based capital ratio | 16.5248% | 2,882 |
| Memoranda: | ||
| Average total assets | $660,678,000 | 1,077 |
| Average earning assets | $609,639,330 | 1,071 |
| Average equity | $86,308,000 | 924 |
| Average total loans | $454,864,670 | 1,068 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,567 |
| Cost of funding earning assets | 0.2936% | 4,236 |
| Net interest margin | 3.8804% | 1,994 |
| Noninterest income to average assets | 0.4587% | 3,427 |
| Noninterest expense to average assets | 2.2702% | 4,742 |
| Loan and lease loss provision to assets | 0.0915% | 2,158 |
| Net operating income to assets | 1.1240% | 1,818 |
| Return on assets (ROA) | 1.1882% | 1,691 |
| Pretax return on assets | 1.7634% | 915 |
| Return on Equity (ROE) | 9.0932% | 2,380 |
| Retained earnings to average equity (ytd only) | -4.0238% | 5,550 |
| Net charge-offs to loans | 0.0375% | 2,236 |
| Credit loss provision to net charge-offs | 357.1429% | 763 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 708 |
| Efficiency ratio | 55.7069% | 5,219 |
| Assets per employee ($millions) | 4.1582% | 3,659 |
| Cash dividends to net income (ytd only)* | 144.2505% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 5,587 |
| Loan loss allowance to noncurrent loans | 47.1025% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,948 |
| Noncurrent loans to loans | 1.4951% | 1,570 |
| Net loans and leases to total assets | 68.9926% | 2,500 |
| Net loans and leases to deposits | 83.6004% | 2,355 |
| Net loans and leases to core deposits | 86.2574% | 2,726 |
| Total domestic deposits to total assets | 82.5266% | 4,058 |
| Equity capital to assets | 12.9107% | 1,453 |
| Core capital (leverage) ratio | 11.2800% | 2,166 |
| Tier 1 risk-based capital ratio | 15.8991% | 2,733 |
| Total risk-based capital ratio | 16.6077% | 2,931 |
| Memoranda: | ||
| Average total assets | $655,796,000 | 1,076 |
| Average earning assets | $603,440,000 | 1,076 |
| Average equity | $85,690,500 | 924 |
| Average total loans | $447,547,000 | 1,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,251 |
| Cost of funding earning assets | 0.2795% | 4,489 |
| Net interest margin | 4.0106% | 1,681 |
| Noninterest income to average assets | 0.5280% | 3,150 |
| Noninterest expense to average assets | 2.3985% | 4,520 |
| Loan and lease loss provision to assets | 0.1151% | 2,079 |
| Net operating income to assets | 1.1520% | 1,725 |
| Return on assets (ROA) | 1.1790% | 1,703 |
| Pretax return on assets | 1.7437% | 909 |
| Return on Equity (ROE) | 9.2070% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.3137% | 2,201 |
| Net charge-offs to loans | 0.0254% | 3,731 |
| Credit loss provision to net charge-offs | 681.8182% | 492 |
| Earnings coverage of net charge-offs (x) | 107.7455% | 544 |
| Efficiency ratio | 56.2341% | 5,325 |
| Assets per employee ($millions) | 4.1167% | 3,727 |
| Cash dividends to net income (ytd only)* | 42.2862% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 5,604 |
| Loan loss allowance to noncurrent loans | 44.7866% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.1658% | 1,865 |
| Noncurrent loans to loans | 1.6024% | 1,434 |
| Net loans and leases to total assets | 66.5067% | 2,911 |
| Net loans and leases to deposits | 81.3962% | 2,661 |
| Net loans and leases to core deposits | 84.1092% | 2,955 |
| Total domestic deposits to total assets | 81.7074% | 4,260 |
| Equity capital to assets | 13.2251% | 1,245 |
| Core capital (leverage) ratio | 11.5481% | 1,923 |
| Tier 1 risk-based capital ratio | 16.9251% | 2,311 |
| Total risk-based capital ratio | 17.6436% | 2,487 |
| Memoranda: | ||
| Average total assets | $651,502,000 | 1,051 |
| Average earning assets | $599,355,600 | 1,044 |
| Average equity | $83,425,600 | 914 |
| Average total loans | $432,885,600 | 1,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,209 |
| Cost of funding earning assets | 0.2784% | 4,580 |
| Net interest margin | 4.0275% | 1,614 |
| Noninterest income to average assets | 0.5361% | 3,129 |
| Noninterest expense to average assets | 2.3396% | 4,679 |
| Loan and lease loss provision to assets | 0.1535% | 1,416 |
| Net operating income to assets | 1.1883% | 1,687 |
| Return on assets (ROA) | 1.2197% | 1,650 |
| Pretax return on assets | 1.8090% | 882 |
| Return on Equity (ROE) | 9.6138% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.3728% | 3,361 |
| Net charge-offs to loans | 0.0275% | 3,394 |
| Credit loss provision to net charge-offs | 842.6966% | 427 |
| Earnings coverage of net charge-offs (x) | 105.1493% | 596 |
| Efficiency ratio | 54.4379% | 5,479 |
| Assets per employee ($millions) | 4.0447% | 3,812 |
| Cash dividends to net income (ytd only)* | 54.5150% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,675 |
| Loan loss allowance to noncurrent loans | 46.3418% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,764 |
| Noncurrent loans to loans | 1.5637% | 1,597 |
| Net loans and leases to total assets | 67.4833% | 2,776 |
| Net loans and leases to deposits | 84.1467% | 2,391 |
| Net loans and leases to core deposits | 86.9372% | 2,756 |
| Total domestic deposits to total assets | 80.1972% | 4,695 |
| Equity capital to assets | 13.1716% | 1,366 |
| Core capital (leverage) ratio | 11.2601% | 2,234 |
| Tier 1 risk-based capital ratio | 16.6270% | 2,509 |
| Total risk-based capital ratio | 17.3459% | 2,709 |
| Memoranda: | ||
| Average total assets | $651,311,250 | 1,058 |
| Average earning assets | $601,450,750 | 1,049 |
| Average equity | $82,629,500 | 929 |
| Average total loans | $432,178,250 | 1,063 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 2,095 |
| Cost of funding earning assets | 0.2793% | 4,621 |
| Net interest margin | 4.0469% | 1,504 |
| Noninterest income to average assets | 0.5407% | 3,102 |
| Noninterest expense to average assets | 2.3195% | 4,797 |
| Loan and lease loss provision to assets | 0.1831% | 1,116 |
| Net operating income to assets | 1.1953% | 1,617 |
| Return on assets (ROA) | 1.2188% | 1,625 |
| Pretax return on assets | 1.8090% | 880 |
| Return on Equity (ROE) | 9.7279% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.4888% | 3,158 |
| Net charge-offs to loans | -0.0223% | 5,207 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8676% | 5,604 |
| Assets per employee ($millions) | 4.0675% | 3,751 |
| Cash dividends to net income (ytd only)* | 53.8558% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 5,752 |
| Loan loss allowance to noncurrent loans | 46.7492% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 1,997 |
| Noncurrent loans to loans | 1.5607% | 1,691 |
| Net loans and leases to total assets | 65.5407% | 3,033 |
| Net loans and leases to deposits | 81.3780% | 2,626 |
| Net loans and leases to core deposits | 84.3945% | 2,941 |
| Total domestic deposits to total assets | 80.5387% | 4,738 |
| Equity capital to assets | 12.7916% | 1,499 |
| Core capital (leverage) ratio | 11.1927% | 2,251 |
| Tier 1 risk-based capital ratio | 16.8960% | 2,448 |
| Total risk-based capital ratio | 17.6315% | 2,623 |
| Memoranda: | ||
| Average total assets | $655,396,000 | 1,057 |
| Average earning assets | $605,003,000 | 1,050 |
| Average equity | $82,114,670 | 938 |
| Average total loans | $431,436,000 | 1,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,353 |
| Cost of funding earning assets | 0.2772% | 4,701 |
| Net interest margin | 3.9511% | 1,712 |
| Noninterest income to average assets | 0.5946% | 2,678 |
| Noninterest expense to average assets | 2.2364% | 5,056 |
| Loan and lease loss provision to assets | 0.1826% | 1,044 |
| Net operating income to assets | 1.2335% | 1,454 |
| Return on assets (ROA) | 1.2384% | 1,522 |
| Pretax return on assets | 1.8427% | 807 |
| Return on Equity (ROE) | 10.0302% | 1,996 |
| Retained earnings to average equity (ytd only) | -0.5668% | 5,481 |
| Net charge-offs to loans | -0.0712% | 5,702 |
| Credit loss provision to net charge-offs | -389.6104% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1957% | 5,797 |
| Assets per employee ($millions) | 4.0875% | 3,782 |
| Cash dividends to net income (ytd only)* | 105.6511% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 5,972 |
| Loan loss allowance to noncurrent loans | 40.7919% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 2,045 |
| Noncurrent loans to loans | 1.6177% | 1,721 |
| Net loans and leases to total assets | 65.9253% | 2,787 |
| Net loans and leases to deposits | 80.2246% | 2,535 |
| Net loans and leases to core deposits | 83.7375% | 2,801 |
| Total domestic deposits to total assets | 82.1760% | 4,463 |
| Equity capital to assets | 12.4606% | 1,718 |
| Core capital (leverage) ratio | 10.7709% | 2,662 |
| Tier 1 risk-based capital ratio | 16.3795% | 2,740 |
| Total risk-based capital ratio | 17.0505% | 2,953 |
| Memoranda: | ||
| Average total assets | $657,299,500 | 1,054 |
| Average earning assets | $608,842,000 | 1,048 |
| Average equity | $81,155,000 | 941 |
| Average total loans | $432,316,000 | 1,062 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,760 |
| Cost of funding earning assets | 0.3718% | 4,016 |
| Net interest margin | 3.6187% | 3,335 |
| Noninterest income to average assets | 0.5363% | 3,262 |
| Noninterest expense to average assets | 2.1764% | 5,399 |
| Loan and lease loss provision to assets | 0.2728% | 790 |
| Net operating income to assets | 1.0121% | 2,327 |
| Return on assets (ROA) | 1.0309% | 2,334 |
| Pretax return on assets | 1.4960% | 1,555 |
| Return on Equity (ROE) | 9.1235% | 2,529 |
| Retained earnings to average equity (ytd only) | 1.3831% | 5,151 |
| Net charge-offs to loans | 0.0830% | 3,309 |
| Credit loss provision to net charge-offs | 529.6610% | 503 |
| Earnings coverage of net charge-offs (x) | 33.8093% | 1,225 |
| Efficiency ratio | 55.3593% | 5,728 |
| Assets per employee ($millions) | 4.4939% | 3,050 |
| Cash dividends to net income (ytd only)* | 84.8401% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 6,171 |
| Loan loss allowance to noncurrent loans | 32.6335% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 1,867 |
| Noncurrent loans to loans | 1.7698% | 1,625 |
| Net loans and leases to total assets | 64.8093% | 3,087 |
| Net loans and leases to deposits | 79.4992% | 2,786 |
| Net loans and leases to core deposits | 82.9282% | 3,003 |
| Total domestic deposits to total assets | 81.5219% | 4,587 |
| Equity capital to assets | 12.2340% | 1,834 |
| Core capital (leverage) ratio | 10.4124% | 3,047 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,965 |
| Total risk-based capital ratio | 14.7096% | 4,376 |
| Memoranda: | ||
| Average total assets | $458,150,200 | 1,459 |
| Average earning assets | $428,131,400 | 1,428 |
| Average equity | $51,767,200 | 1,407 |
| Average total loans | $284,255,200 | 1,496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,562 |
| Cost of funding earning assets | 0.4142% | 3,639 |
| Net interest margin | 3.3802% | 4,311 |
| Noninterest income to average assets | 0.4992% | 3,549 |
| Noninterest expense to average assets | 2.1076% | 5,552 |
| Loan and lease loss provision to assets | 0.1799% | 1,362 |
| Net operating income to assets | 0.9694% | 2,599 |
| Return on assets (ROA) | 1.0198% | 2,422 |
| Pretax return on assets | 1.4585% | 1,781 |
| Return on Equity (ROE) | 9.3382% | 2,530 |
| Retained earnings to average equity (ytd only) | -1.4860% | 6,030 |
| Net charge-offs to loans | 0.0431% | 3,642 |
| Credit loss provision to net charge-offs | 687.5000% | 436 |
| Earnings coverage of net charge-offs (x) | 59.8522% | 864 |
| Efficiency ratio | 57.3642% | 5,530 |
| Assets per employee ($millions) | 4.4095% | 3,119 |
| Cash dividends to net income (ytd only)* | 115.9126% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 6,313 |
| Loan loss allowance to noncurrent loans | 39.6693% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 2,613 |
| Noncurrent loans to loans | 1.3071% | 2,464 |
| Net loans and leases to total assets | 62.6203% | 3,393 |
| Net loans and leases to deposits | 81.7785% | 2,457 |
| Net loans and leases to core deposits | 87.2746% | 2,507 |
| Total domestic deposits to total assets | 76.5731% | 5,747 |
| Equity capital to assets | 11.3322% | 2,643 |
| Core capital (leverage) ratio | 9.8396% | 3,888 |
| Tier 1 risk-based capital ratio | 13.1352% | 4,775 |
| Total risk-based capital ratio | 13.5800% | 5,207 |
| Memoranda: | ||
| Average total assets | $407,537,750 | 1,637 |
| Average earning assets | $382,768,750 | 1,601 |
| Average equity | $44,504,500 | 1,623 |
| Average total loans | $247,664,750 | 1,713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,015 |
| Cost of funding earning assets | 0.4562% | 3,251 |
| Net interest margin | 3.4742% | 3,880 |
| Noninterest income to average assets | 0.5206% | 3,338 |
| Noninterest expense to average assets | 2.1522% | 5,517 |
| Loan and lease loss provision to assets | 0.1739% | 1,403 |
| Net operating income to assets | 1.0397% | 2,164 |
| Return on assets (ROA) | 1.0738% | 2,105 |
| Pretax return on assets | 1.5330% | 1,449 |
| Return on Equity (ROE) | 10.0507% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.0507% | 704 |
| Net charge-offs to loans | 0.0409% | 3,411 |
| Credit loss provision to net charge-offs | 714.2857% | 445 |
| Earnings coverage of net charge-offs (x) | 68.0952% | 741 |
| Efficiency ratio | 56.4820% | 5,693 |
| Assets per employee ($millions) | 3.9680% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 5,878 |
| Loan loss allowance to noncurrent loans | 79.8432% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 2,587 |
| Noncurrent loans to loans | 1.0619% | 3,107 |
| Net loans and leases to total assets | 59.3206% | 3,818 |
| Net loans and leases to deposits | 73.5269% | 3,384 |
| Net loans and leases to core deposits | 79.9551% | 3,220 |
| Total domestic deposits to total assets | 80.6787% | 5,075 |
| Equity capital to assets | 11.3852% | 2,523 |
| Core capital (leverage) ratio | 11.0997% | 2,333 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,943 |
| Total risk-based capital ratio | 15.1441% | 4,274 |
| Memoranda: | ||
| Average total assets | $344,955,000 | 1,895 |
| Average earning assets | $326,639,000 | 1,842 |
| Average equity | $36,853,000 | 1,905 |
| Average total loans | $205,315,330 | 2,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,232 |
| Cost of funding earning assets | 0.4558% | 3,365 |
| Net interest margin | 3.4069% | 4,087 |
| Noninterest income to average assets | 0.4983% | 3,425 |
| Noninterest expense to average assets | 2.1107% | 5,661 |
| Loan and lease loss provision to assets | 0.1730% | 1,397 |
| Net operating income to assets | 1.0742% | 1,918 |
| Return on assets (ROA) | 1.0853% | 1,937 |
| Pretax return on assets | 1.4625% | 1,540 |
| Return on Equity (ROE) | 10.4983% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.4983% | 841 |
| Net charge-offs to loans | 0.0253% | 3,067 |
| Credit loss provision to net charge-offs | 1,153.8462% | 280 |
| Earnings coverage of net charge-offs (x) | 108.0769% | 430 |
| Efficiency ratio | 56.5688% | 5,792 |
| Assets per employee ($millions) | 4.0044% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 6,155 |
| Loan loss allowance to noncurrent loans | 44.7844% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 2,772 |
| Noncurrent loans to loans | 1.7256% | 2,245 |
| Net loans and leases to total assets | 60.0287% | 3,559 |
| Net loans and leases to deposits | 73.8718% | 3,079 |
| Net loans and leases to core deposits | 80.6504% | 2,893 |
| Total domestic deposits to total assets | 81.2606% | 5,162 |
| Equity capital to assets | 10.6152% | 3,119 |
| Core capital (leverage) ratio | 10.7106% | 2,691 |
| Tier 1 risk-based capital ratio | 14.0658% | 4,285 |
| Total risk-based capital ratio | 14.6838% | 4,675 |
| Memoranda: | ||
| Average total assets | $346,807,000 | 1,891 |
| Average earning assets | $329,099,500 | 1,831 |
| Average equity | $35,853,500 | 1,947 |
| Average total loans | $205,891,500 | 2,007 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 4,488 |
| Cost of funding earning assets | 0.4915% | 3,692 |
| Net interest margin | 3.4007% | 4,271 |
| Noninterest income to average assets | 0.5167% | 3,656 |
| Noninterest expense to average assets | 2.1359% | 5,757 |
| Loan and lease loss provision to assets | 0.1488% | 2,419 |
| Net operating income to assets | 1.4481% | 918 |
| Return on assets (ROA) | 1.5298% | 811 |
| Pretax return on assets | 1.5450% | 1,314 |
| Return on Equity (ROE) | 14.5361% | 844 |
| Retained earnings to average equity (ytd only) | -0.3050% | 5,939 |
| Net charge-offs to loans | 0.3773% | 1,784 |
| Credit loss provision to net charge-offs | 65.6371% | 3,413 |
| Earnings coverage of net charge-offs (x) | 7.1068% | 2,912 |
| Efficiency ratio | 56.7357% | 5,877 |
| Assets per employee ($millions) | 3.9240% | 4,019 |
| Cash dividends to net income (ytd only)* | 102.0980% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 6,315 |
| Loan loss allowance to noncurrent loans | 96.6535% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 4,311 |
| Noncurrent loans to loans | 0.7491% | 4,092 |
| Net loans and leases to total assets | 57.8332% | 4,062 |
| Net loans and leases to deposits | 70.3917% | 3,733 |
| Net loans and leases to core deposits | 77.3294% | 3,447 |
| Total domestic deposits to total assets | 82.1591% | 4,817 |
| Equity capital to assets | 10.0649% | 3,678 |
| Core capital (leverage) ratio | 10.3447% | 3,099 |
| Tier 1 risk-based capital ratio | 13.7798% | 4,452 |
| Total risk-based capital ratio | 14.3483% | 4,863 |
| Memoranda: | ||
| Average total assets | $342,720,200 | 1,882 |
| Average earning assets | $325,554,800 | 1,821 |
| Average equity | $36,068,800 | 1,914 |
| Average total loans | $205,958,000 | 1,955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 4,637 |
| Cost of funding earning assets | 0.4969% | 3,799 |
| Net interest margin | 3.3641% | 4,418 |
| Noninterest income to average assets | 0.5226% | 3,647 |
| Noninterest expense to average assets | 2.1491% | 5,721 |
| Loan and lease loss provision to assets | 0.1407% | 2,531 |
| Net operating income to assets | 1.4208% | 1,054 |
| Return on assets (ROA) | 1.5299% | 895 |
| Pretax return on assets | 1.5452% | 1,481 |
| Return on Equity (ROE) | 14.3767% | 911 |
| Retained earnings to average equity (ytd only) | 1.2819% | 5,472 |
| Net charge-offs to loans | 0.1039% | 3,496 |
| Credit loss provision to net charge-offs | 223.6025% | 1,094 |
| Earnings coverage of net charge-offs (x) | 25.0374% | 1,399 |
| Efficiency ratio | 57.3407% | 5,763 |
| Assets per employee ($millions) | 3.9225% | 3,996 |
| Cash dividends to net income (ytd only)* | 91.0831% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,020 |
| Loan loss allowance to noncurrent loans | 61.2832% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 3,807 |
| Noncurrent loans to loans | 1.4925% | 2,925 |
| Net loans and leases to total assets | 60.1677% | 3,672 |
| Net loans and leases to deposits | 74.8043% | 3,114 |
| Net loans and leases to core deposits | 83.2167% | 2,735 |
| Total domestic deposits to total assets | 80.4335% | 5,380 |
| Equity capital to assets | 10.1279% | 3,734 |
| Core capital (leverage) ratio | 10.1958% | 3,408 |
| Tier 1 risk-based capital ratio | 13.9326% | 4,477 |
| Total risk-based capital ratio | 14.6797% | 4,754 |
| Memoranda: | ||
| Average total assets | $341,092,250 | 1,897 |
| Average earning assets | $324,677,500 | 1,839 |
| Average equity | $36,298,500 | 1,917 |
| Average total loans | $206,586,250 | 1,958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 4,626 |
| Cost of funding earning assets | 0.5034% | 3,864 |
| Net interest margin | 3.3559% | 4,358 |
| Noninterest income to average assets | 0.5337% | 3,615 |
| Noninterest expense to average assets | 2.1884% | 5,658 |
| Loan and lease loss provision to assets | 0.1241% | 2,767 |
| Net operating income to assets | 1.4022% | 1,074 |
| Return on assets (ROA) | 1.5584% | 876 |
| Pretax return on assets | 1.5738% | 1,435 |
| Return on Equity (ROE) | 14.4050% | 929 |
| Retained earnings to average equity (ytd only) | -5.0693% | 6,463 |
| Net charge-offs to loans | 0.1641% | 2,801 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 15.5119% | 1,736 |
| Efficiency ratio | 58.3294% | 5,685 |
| Assets per employee ($millions) | 3.8255% | 4,158 |
| Cash dividends to net income (ytd only)* | 135.1915% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 6,224 |
| Loan loss allowance to noncurrent loans | 87.5676% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 4,670 |
| Noncurrent loans to loans | 0.9861% | 3,965 |
| Net loans and leases to total assets | 60.0885% | 3,641 |
| Net loans and leases to deposits | 73.1583% | 3,270 |
| Net loans and leases to core deposits | 79.4839% | 3,090 |
| Total domestic deposits to total assets | 82.1349% | 5,010 |
| Equity capital to assets | 10.3176% | 3,526 |
| Core capital (leverage) ratio | 10.2259% | 3,190 |
| Tier 1 risk-based capital ratio | 13.7569% | 4,603 |
| Total risk-based capital ratio | 14.4599% | 4,926 |
| Memoranda: | ||
| Average total assets | $338,421,000 | 1,916 |
| Average earning assets | $322,183,000 | 1,852 |
| Average equity | $36,612,330 | 1,907 |
| Average total loans | $204,785,670 | 1,976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 4,568 |
| Cost of funding earning assets | 0.5019% | 4,066 |
| Net interest margin | 3.3729% | 4,219 |
| Noninterest income to average assets | 0.5418% | 3,490 |
| Noninterest expense to average assets | 2.2099% | 5,663 |
| Loan and lease loss provision to assets | 0.0711% | 3,445 |
| Net operating income to assets | 1.4417% | 968 |
| Return on assets (ROA) | 1.6847% | 664 |
| Pretax return on assets | 1.7013% | 1,072 |
| Return on Equity (ROE) | 15.2164% | 716 |
| Retained earnings to average equity (ytd only) | -22.9584% | 6,860 |
| Net charge-offs to loans | -0.0137% | 5,558 |
| Credit loss provision to net charge-offs | -857.1429% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7881% | 5,747 |
| Assets per employee ($millions) | 3.9457% | 4,072 |
| Cash dividends to net income (ytd only)* | 250.8797% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 6,306 |
| Loan loss allowance to noncurrent loans | 68.4729% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 4,194 |
| Noncurrent loans to loans | 1.2852% | 3,630 |
| Net loans and leases to total assets | 59.2889% | 3,556 |
| Net loans and leases to deposits | 72.2956% | 3,141 |
| Net loans and leases to core deposits | 77.2975% | 3,161 |
| Total domestic deposits to total assets | 82.0090% | 5,185 |
| Equity capital to assets | 10.5279% | 3,517 |
| Core capital (leverage) ratio | 10.0207% | 3,354 |
| Tier 1 risk-based capital ratio | 13.4825% | 4,883 |
| Total risk-based capital ratio | 14.2065% | 5,207 |
| Memoranda: | ||
| Average total assets | $337,397,500 | 1,946 |
| Average earning assets | $319,609,500 | 1,899 |
| Average equity | $37,354,500 | 1,899 |
| Average total loans | $203,996,500 | 1,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 4,638 |
| Cost of funding earning assets | 0.5897% | 4,449 |
| Net interest margin | 3.5979% | 4,092 |
| Noninterest income to average assets | 0.6620% | 2,925 |
| Noninterest expense to average assets | 2.1898% | 5,943 |
| Loan and lease loss provision to assets | 0.0647% | 4,952 |
| Net operating income to assets | 1.7871% | 522 |
| Return on assets (ROA) | 1.7933% | 578 |
| Pretax return on assets | 1.8110% | 900 |
| Return on Equity (ROE) | 15.4004% | 745 |
| Retained earnings to average equity (ytd only) | -0.5945% | 5,953 |
| Net charge-offs to loans | 0.0968% | 4,694 |
| Credit loss provision to net charge-offs | 114.8936% | 2,525 |
| Earnings coverage of net charge-offs (x) | 33.1809% | 937 |
| Efficiency ratio | 53.6065% | 6,304 |
| Assets per employee ($millions) | 3.6431% | 4,684 |
| Cash dividends to net income (ytd only)* | 103.8603% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,376 |
| Loan loss allowance to noncurrent loans | 221.6561% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 5,611 |
| Noncurrent loans to loans | 0.3873% | 5,523 |
| Net loans and leases to total assets | 60.6064% | 3,494 |
| Net loans and leases to deposits | 75.2305% | 2,917 |
| Net loans and leases to core deposits | 79.2966% | 3,110 |
| Total domestic deposits to total assets | 80.5609% | 5,529 |
| Equity capital to assets | 11.6341% | 2,320 |
| Core capital (leverage) ratio | 10.7882% | 2,455 |
| Tier 1 risk-based capital ratio | 14.6685% | 3,914 |
| Total risk-based capital ratio | 15.3819% | 4,245 |
| Memoranda: | ||
| Average total assets | $333,688,400 | 1,931 |
| Average earning assets | $315,072,000 | 1,882 |
| Average equity | $38,856,200 | 1,785 |
| Average total loans | $194,118,400 | 2,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 4,759 |
| Cost of funding earning assets | 0.5995% | 4,654 |
| Net interest margin | 3.6172% | 4,161 |
| Noninterest income to average assets | 0.6526% | 2,982 |
| Noninterest expense to average assets | 2.1773% | 5,998 |
| Loan and lease loss provision to assets | 0.0646% | 4,898 |
| Net operating income to assets | 1.8036% | 562 |
| Return on assets (ROA) | 1.8119% | 621 |
| Pretax return on assets | 1.8298% | 984 |
| Return on Equity (ROE) | 15.5565% | 810 |
| Retained earnings to average equity (ytd only) | 3.3839% | 4,485 |
| Net charge-offs to loans | 0.0875% | 4,507 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 37.5229% | 927 |
| Efficiency ratio | 53.2496% | 6,326 |
| Assets per employee ($millions) | 3.6693% | 4,610 |
| Cash dividends to net income (ytd only)* | 78.2475% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,434 |
| Loan loss allowance to noncurrent loans | 212.1359% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 5,830 |
| Noncurrent loans to loans | 0.4144% | 5,623 |
| Net loans and leases to total assets | 58.3922% | 4,066 |
| Net loans and leases to deposits | 74.5166% | 3,217 |
| Net loans and leases to core deposits | 78.8678% | 3,342 |
| Total domestic deposits to total assets | 78.3613% | 6,001 |
| Equity capital to assets | 11.9984% | 2,259 |
| Core capital (leverage) ratio | 10.9090% | 2,476 |
| Tier 1 risk-based capital ratio | 15.3451% | 3,622 |
| Total risk-based capital ratio | 16.0703% | 3,925 |
| Memoranda: | ||
| Average total assets | $334,231,000 | 1,951 |
| Average earning assets | $315,153,000 | 1,901 |
| Average equity | $38,928,000 | 1,803 |
| Average total loans | $191,982,750 | 2,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 4,848 |
| Cost of funding earning assets | 0.6120% | 4,792 |
| Net interest margin | 3.6181% | 4,188 |
| Noninterest income to average assets | 0.6322% | 3,062 |
| Noninterest expense to average assets | 2.1938% | 6,024 |
| Loan and lease loss provision to assets | 0.0648% | 4,832 |
| Net operating income to assets | 1.7851% | 581 |
| Return on assets (ROA) | 1.7958% | 639 |
| Pretax return on assets | 1.8132% | 1,016 |
| Return on Equity (ROE) | 15.5769% | 838 |
| Retained earnings to average equity (ytd only) | -2.9321% | 6,455 |
| Net charge-offs to loans | 0.1360% | 3,844 |
| Credit loss provision to net charge-offs | 83.7209% | 3,219 |
| Earnings coverage of net charge-offs (x) | 24.1085% | 1,230 |
| Efficiency ratio | 53.6813% | 6,343 |
| Assets per employee ($millions) | 3.6269% | 4,693 |
| Cash dividends to net income (ytd only)* | 118.8231% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,522 |
| Loan loss allowance to noncurrent loans | 157.5955% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 5,768 |
| Noncurrent loans to loans | 0.5543% | 5,407 |
| Net loans and leases to total assets | 56.8845% | 4,344 |
| Net loans and leases to deposits | 71.5353% | 3,683 |
| Net loans and leases to core deposits | 75.6438% | 3,798 |
| Total domestic deposits to total assets | 79.5195% | 5,857 |
| Equity capital to assets | 11.4373% | 2,650 |
| Core capital (leverage) ratio | 10.7012% | 2,595 |
| Tier 1 risk-based capital ratio | 15.2656% | 3,594 |
| Total risk-based capital ratio | 15.9942% | 3,896 |
| Memoranda: | ||
| Average total assets | $333,117,670 | 1,955 |
| Average earning assets | $315,686,670 | 1,889 |
| Average equity | $38,403,000 | 1,817 |
| Average total loans | $189,689,330 | 2,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 4,955 |
| Cost of funding earning assets | 0.6311% | 4,882 |
| Net interest margin | 3.6114% | 4,215 |
| Noninterest income to average assets | 0.6827% | 2,744 |
| Noninterest expense to average assets | 2.2113% | 6,012 |
| Loan and lease loss provision to assets | 0.0653% | 4,606 |
| Net operating income to assets | 1.8041% | 595 |
| Return on assets (ROA) | 1.8089% | 664 |
| Pretax return on assets | 1.8270% | 1,020 |
| Return on Equity (ROE) | 15.6281% | 863 |
| Retained earnings to average equity (ytd only) | -21.4743% | 7,062 |
| Net charge-offs to loans | 0.1854% | 2,994 |
| Credit loss provision to net charge-offs | 62.0690% | 3,073 |
| Earnings coverage of net charge-offs (x) | 17.9540% | 1,287 |
| Efficiency ratio | 53.6262% | 6,386 |
| Assets per employee ($millions) | 3.4572% | 5,218 |
| Cash dividends to net income (ytd only)* | 237.4081% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,570 |
| Loan loss allowance to noncurrent loans | 129.4526% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 5,851 |
| Noncurrent loans to loans | 0.6862% | 5,288 |
| Net loans and leases to total assets | 56.4483% | 4,303 |
| Net loans and leases to deposits | 69.2608% | 3,833 |
| Net loans and leases to core deposits | 73.0643% | 4,013 |
| Total domestic deposits to total assets | 81.5010% | 5,462 |
| Equity capital to assets | 11.2128% | 2,705 |
| Core capital (leverage) ratio | 10.4034% | 2,872 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,780 |
| Total risk-based capital ratio | 15.7113% | 4,102 |
| Memoranda: | ||
| Average total assets | $331,026,000 | 1,968 |
| Average earning assets | $313,118,000 | 1,910 |
| Average equity | $38,315,500 | 1,811 |
| Average total loans | $187,752,500 | 2,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 5,282 |
| Cost of funding earning assets | 0.7133% | 5,447 |
| Net interest margin | 3.7258% | 4,173 |
| Noninterest income to average assets | 0.6086% | 3,117 |
| Noninterest expense to average assets | 2.1548% | 6,374 |
| Loan and lease loss provision to assets | 0.0513% | 5,949 |
| Net operating income to assets | 1.8929% | 384 |
| Return on assets (ROA) | 1.9616% | 352 |
| Pretax return on assets | 1.9808% | 552 |
| Return on Equity (ROE) | 17.3255% | 443 |
| Retained earnings to average equity (ytd only) | 7.9157% | 1,109 |
| Net charge-offs to loans | 0.0229% | 6,122 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 153.0476% | 219 |
| Efficiency ratio | 51.9911% | 6,697 |
| Assets per employee ($millions) | 3.6282% | 4,709 |
| Cash dividends to net income (ytd only)* | 54.3120% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,494 |
| Loan loss allowance to noncurrent loans | 62.1641% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 4,928 |
| Noncurrent loans to loans | 1.4768% | 3,941 |
| Net loans and leases to total assets | 55.9628% | 4,718 |
| Net loans and leases to deposits | 70.6620% | 3,996 |
| Net loans and leases to core deposits | 75.3231% | 4,064 |
| Total domestic deposits to total assets | 79.1979% | 5,945 |
| Equity capital to assets | 11.9386% | 2,174 |
| Core capital (leverage) ratio | 10.7424% | 2,484 |
| Tier 1 risk-based capital ratio | 16.1711% | 2,965 |
| Total risk-based capital ratio | 16.9408% | 3,175 |
| Memoranda: | ||
| Average total assets | $327,495,000 | 1,967 |
| Average earning assets | $308,441,800 | 1,905 |
| Average equity | $37,078,200 | 1,821 |
| Average total loans | $183,493,800 | 2,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 5,473 |
| Cost of funding earning assets | 0.7261% | 5,617 |
| Net interest margin | 3.7105% | 4,290 |
| Noninterest income to average assets | 0.6050% | 3,136 |
| Noninterest expense to average assets | 2.2009% | 6,276 |
| Loan and lease loss provision to assets | 0.0539% | 5,772 |
| Net operating income to assets | 1.8265% | 493 |
| Return on assets (ROA) | 1.9162% | 446 |
| Pretax return on assets | 1.9349% | 717 |
| Return on Equity (ROE) | 17.1606% | 550 |
| Retained earnings to average equity (ytd only) | 4.7788% | 3,324 |
| Net charge-offs to loans | 0.0124% | 5,974 |
| Credit loss provision to net charge-offs | 776.4706% | 347 |
| Earnings coverage of net charge-offs (x) | 273.6586% | 141 |
| Efficiency ratio | 53.3539% | 6,560 |
| Assets per employee ($millions) | 3.6951% | 4,551 |
| Cash dividends to net income (ytd only)* | 72.1524% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 6,589 |
| Loan loss allowance to noncurrent loans | 132.5799% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 6,124 |
| Noncurrent loans to loans | 0.6800% | 5,526 |
| Net loans and leases to total assets | 55.6069% | 4,902 |
| Net loans and leases to deposits | 70.4612% | 4,229 |
| Net loans and leases to core deposits | 76.5336% | 4,126 |
| Total domestic deposits to total assets | 78.9186% | 6,005 |
| Equity capital to assets | 11.4000% | 2,777 |
| Core capital (leverage) ratio | 10.2977% | 3,088 |
| Tier 1 risk-based capital ratio | 15.2683% | 3,512 |
| Total risk-based capital ratio | 16.0248% | 3,765 |
| Memoranda: | ||
| Average total assets | $326,827,750 | 1,980 |
| Average earning assets | $307,764,250 | 1,920 |
| Average equity | $36,493,500 | 1,844 |
| Average total loans | $182,747,000 | 2,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 5,447 |
| Cost of funding earning assets | 0.7485% | 5,680 |
| Net interest margin | 3.7222% | 4,166 |
| Noninterest income to average assets | 0.5709% | 3,331 |
| Noninterest expense to average assets | 2.2324% | 6,300 |
| Loan and lease loss provision to assets | 0.0593% | 5,568 |
| Net operating income to assets | 1.7629% | 540 |
| Return on assets (ROA) | 1.8314% | 503 |
| Pretax return on assets | 1.8512% | 788 |
| Return on Equity (ROE) | 16.5216% | 609 |
| Retained earnings to average equity (ytd only) | -2.3690% | 6,301 |
| Net charge-offs to loans | 0.0177% | 5,593 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 186.2500% | 201 |
| Efficiency ratio | 54.4517% | 6,576 |
| Assets per employee ($millions) | 3.6192% | 4,639 |
| Cash dividends to net income (ytd only)* | 114.3387% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 6,670 |
| Loan loss allowance to noncurrent loans | 128.7481% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 6,147 |
| Noncurrent loans to loans | 0.6959% | 5,515 |
| Net loans and leases to total assets | 56.5740% | 4,889 |
| Net loans and leases to deposits | 71.9296% | 4,126 |
| Net loans and leases to core deposits | 79.5860% | 3,851 |
| Total domestic deposits to total assets | 78.6519% | 6,159 |
| Equity capital to assets | 11.1960% | 2,771 |
| Core capital (leverage) ratio | 10.3097% | 2,923 |
| Tier 1 risk-based capital ratio | 14.9425% | 3,522 |
| Total risk-based capital ratio | 15.7064% | 3,791 |
| Memoranda: | ||
| Average total assets | $323,686,000 | 2,001 |
| Average earning assets | $304,603,000 | 1,947 |
| Average equity | $35,880,330 | 1,869 |
| Average total loans | $180,769,000 | 2,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 5,403 |
| Cost of funding earning assets | 0.7844% | 5,647 |
| Net interest margin | 3.6945% | 4,138 |
| Noninterest income to average assets | 0.6012% | 3,155 |
| Noninterest expense to average assets | 2.2202% | 6,376 |
| Loan and lease loss provision to assets | 0.0669% | 5,160 |
| Net operating income to assets | 1.7767% | 514 |
| Return on assets (ROA) | 1.7975% | 516 |
| Pretax return on assets | 1.8149% | 790 |
| Return on Equity (ROE) | 16.2983% | 645 |
| Retained earnings to average equity (ytd only) | -21.7948% | 7,188 |
| Net charge-offs to loans | 0.0337% | 4,628 |
| Credit loss provision to net charge-offs | 360.0000% | 909 |
| Earnings coverage of net charge-offs (x) | 100.0667% | 317 |
| Efficiency ratio | 54.0705% | 6,693 |
| Assets per employee ($millions) | 3.6198% | 4,718 |
| Cash dividends to net income (ytd only)* | 233.7241% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,708 |
| Loan loss allowance to noncurrent loans | 149.0826% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 6,334 |
| Noncurrent loans to loans | 0.6008% | 5,831 |
| Net loans and leases to total assets | 56.4401% | 4,924 |
| Net loans and leases to deposits | 69.4472% | 4,442 |
| Net loans and leases to core deposits | 77.6504% | 4,070 |
| Total domestic deposits to total assets | 81.2705% | 5,583 |
| Equity capital to assets | 10.8672% | 2,808 |
| Core capital (leverage) ratio | 9.7063% | 3,514 |
| Tier 1 risk-based capital ratio | 14.4175% | 3,795 |
| Total risk-based capital ratio | 15.1718% | 4,098 |
| Memoranda: | ||
| Average total assets | $322,667,000 | 2,023 |
| Average earning assets | $303,908,000 | 1,964 |
| Average equity | $35,586,500 | 1,866 |
| Average total loans | $178,183,000 | 2,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 5,941 |
| Cost of funding earning assets | 0.9973% | 5,711 |
| Net interest margin | 3.6568% | 4,541 |
| Noninterest income to average assets | 0.6415% | 3,202 |
| Noninterest expense to average assets | 2.1446% | 6,744 |
| Loan and lease loss provision to assets | 0.0555% | 6,588 |
| Net operating income to assets | 1.8537% | 372 |
| Return on assets (ROA) | 1.8687% | 390 |
| Pretax return on assets | 1.8872% | 630 |
| Return on Equity (ROE) | 17.5132% | 428 |
| Retained earnings to average equity (ytd only) | 8.6266% | 808 |
| Net charge-offs to loans | 0.0133% | 6,696 |
| Credit loss provision to net charge-offs | 782.6087% | 278 |
| Earnings coverage of net charge-offs (x) | 271.8696% | 85 |
| Efficiency ratio | 52.3164% | 6,964 |
| Assets per employee ($millions) | 3.5911% | 4,725 |
| Cash dividends to net income (ytd only)* | 50.7423% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 6,708 |
| Loan loss allowance to noncurrent loans | 133.7268% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,345 |
| Noncurrent loans to loans | 0.6779% | 5,689 |
| Net loans and leases to total assets | 53.0520% | 5,772 |
| Net loans and leases to deposits | 66.6744% | 5,309 |
| Net loans and leases to core deposits | 71.9752% | 5,217 |
| Total domestic deposits to total assets | 79.5688% | 5,949 |
| Equity capital to assets | 11.1864% | 2,524 |
| Core capital (leverage) ratio | 9.8611% | 3,251 |
| Tier 1 risk-based capital ratio | 15.5684% | 2,969 |
| Total risk-based capital ratio | 16.3169% | 3,154 |
| Memoranda: | ||
| Average total assets | $324,396,000 | 2,002 |
| Average earning assets | $304,334,400 | 1,952 |
| Average equity | $34,613,800 | 1,912 |
| Average total loans | $173,229,400 | 2,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 6,131 |
| Cost of funding earning assets | 1.0285% | 5,808 |
| Net interest margin | 3.6391% | 4,681 |
| Noninterest income to average assets | 0.6279% | 3,267 |
| Noninterest expense to average assets | 2.1400% | 6,757 |
| Loan and lease loss provision to assets | 0.0556% | 6,515 |
| Net operating income to assets | 1.8251% | 468 |
| Return on assets (ROA) | 1.8418% | 505 |
| Pretax return on assets | 1.8600% | 830 |
| Return on Equity (ROE) | 17.4748% | 534 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,674 |
| Net charge-offs to loans | 0.0023% | 6,646 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,536.9625% | 17 |
| Efficiency ratio | 52.6407% | 6,923 |
| Assets per employee ($millions) | 3.7315% | 4,430 |
| Cash dividends to net income (ytd only)* | 68.7682% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,797 |
| Loan loss allowance to noncurrent loans | 235.8006% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 6,859 |
| Noncurrent loans to loans | 0.3738% | 6,445 |
| Net loans and leases to total assets | 51.6973% | 6,137 |
| Net loans and leases to deposits | 65.0571% | 5,783 |
| Net loans and leases to core deposits | 71.5611% | 5,565 |
| Total domestic deposits to total assets | 79.4646% | 5,880 |
| Equity capital to assets | 10.5840% | 3,428 |
| Core capital (leverage) ratio | 9.0352% | 4,633 |
| Tier 1 risk-based capital ratio | 14.6282% | 3,440 |
| Total risk-based capital ratio | 15.3556% | 3,734 |
| Memoranda: | ||
| Average total assets | $323,797,750 | 2,036 |
| Average earning assets | $303,476,750 | 1,985 |
| Average equity | $34,128,250 | 1,960 |
| Average total loans | $172,798,250 | 2,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 6,220 |
| Cost of funding earning assets | 1.0623% | 5,862 |
| Net interest margin | 3.6156% | 4,751 |
| Noninterest income to average assets | 0.6304% | 3,128 |
| Noninterest expense to average assets | 2.1561% | 6,754 |
| Loan and lease loss provision to assets | 0.0565% | 6,391 |
| Net operating income to assets | 1.7789% | 506 |
| Return on assets (ROA) | 1.7938% | 535 |
| Pretax return on assets | 1.8114% | 869 |
| Return on Equity (ROE) | 17.0443% | 561 |
| Retained earnings to average equity (ytd only) | -1.3065% | 6,027 |
| Net charge-offs to loans | -0.0187% | 7,273 |
| Credit loss provision to net charge-offs | -562.5000% | 6,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4221% | 6,943 |
| Assets per employee ($millions) | 3.7621% | 4,316 |
| Cash dividends to net income (ytd only)* | 107.6654% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,802 |
| Loan loss allowance to noncurrent loans | 303.9604% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,988 |
| Noncurrent loans to loans | 0.2920% | 6,646 |
| Net loans and leases to total assets | 50.0678% | 6,425 |
| Net loans and leases to deposits | 63.0756% | 6,130 |
| Net loans and leases to core deposits | 70.3946% | 5,835 |
| Total domestic deposits to total assets | 79.3774% | 5,922 |
| Equity capital to assets | 10.0737% | 3,919 |
| Core capital (leverage) ratio | 9.0712% | 4,492 |
| Tier 1 risk-based capital ratio | 13.9703% | 3,752 |
| Total risk-based capital ratio | 14.6908% | 4,072 |
| Memoranda: | ||
| Average total assets | $318,540,670 | 2,081 |
| Average earning assets | $297,654,000 | 2,042 |
| Average equity | $33,524,330 | 1,983 |
| Average total loans | $171,361,330 | 2,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 5,694 |
| Cost of funding earning assets | 1.0979% | 5,922 |
| Net interest margin | 3.7494% | 4,014 |
| Noninterest income to average assets | 0.6862% | 2,688 |
| Noninterest expense to average assets | 2.2685% | 6,483 |
| Loan and lease loss provision to assets | 0.0587% | 6,054 |
| Net operating income to assets | 1.8292% | 464 |
| Return on assets (ROA) | 1.8602% | 479 |
| Pretax return on assets | 1.8784% | 763 |
| Return on Equity (ROE) | 17.2624% | 582 |
| Retained earnings to average equity (ytd only) | -19.9740% | 7,368 |
| Net charge-offs to loans | -0.0281% | 7,172 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 6,974 |
| Assets per employee ($millions) | 3.4886% | 5,055 |
| Cash dividends to net income (ytd only)* | 215.7083% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,928 |
| Loan loss allowance to noncurrent loans | 177.3270% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 6,773 |
| Noncurrent loans to loans | 0.4907% | 6,316 |
| Net loans and leases to total assets | 54.5288% | 5,957 |
| Net loans and leases to deposits | 66.0387% | 5,815 |
| Net loans and leases to core deposits | 69.3346% | 5,970 |
| Total domestic deposits to total assets | 82.5710% | 4,816 |
| Equity capital to assets | 10.3729% | 3,375 |
| Core capital (leverage) ratio | 9.3679% | 3,950 |
| Tier 1 risk-based capital ratio | 13.7732% | 3,814 |
| Total risk-based capital ratio | 14.4960% | 4,115 |
| Memoranda: | ||
| Average total assets | $306,637,000 | 2,213 |
| Average earning assets | $285,270,000 | 2,174 |
| Average equity | $33,043,000 | 2,031 |
| Average total loans | $170,571,500 | 2,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 5,462 |
| Cost of funding earning assets | 1.4598% | 5,680 |
| Net interest margin | 3.7803% | 3,794 |
| Noninterest income to average assets | 0.6957% | 3,007 |
| Noninterest expense to average assets | 2.2658% | 6,832 |
| Loan and lease loss provision to assets | 0.0926% | 6,677 |
| Net operating income to assets | 1.8333% | 334 |
| Return on assets (ROA) | 1.8630% | 322 |
| Pretax return on assets | 1.8815% | 533 |
| Return on Equity (ROE) | 17.3947% | 417 |
| Retained earnings to average equity (ytd only) | 2.8064% | 3,204 |
| Net charge-offs to loans | 0.0267% | 6,873 |
| Credit loss provision to net charge-offs | 625.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 131.2727% | 219 |
| Efficiency ratio | 53.4538% | 7,284 |
| Assets per employee ($millions) | 3.2558% | 5,598 |
| Cash dividends to net income (ytd only)* | 83.8663% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 7,017 |
| Loan loss allowance to noncurrent loans | 196.8320% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,822 |
| Noncurrent loans to loans | 0.4262% | 6,414 |
| Net loans and leases to total assets | 55.7895% | 5,981 |
| Net loans and leases to deposits | 70.3641% | 5,561 |
| Net loans and leases to core deposits | 89.6587% | 5,167 |
| Total domestic deposits to total assets | 79.2868% | 5,906 |
| Equity capital to assets | 11.1892% | 2,542 |
| Core capital (leverage) ratio | 9.8492% | 3,270 |
| Tier 1 risk-based capital ratio | 14.6767% | 3,114 |
| Total risk-based capital ratio | 15.3769% | 3,381 |
| Memoranda: | ||
| Average total assets | $297,109,400 | 2,233 |
| Average earning assets | $276,194,000 | 2,199 |
| Average equity | $31,820,000 | 2,106 |
| Average total loans | $164,885,000 | 2,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 5,621 |
| Cost of funding earning assets | 1.5174% | 5,755 |
| Net interest margin | 3.7453% | 3,886 |
| Noninterest income to average assets | 0.6881% | 3,102 |
| Noninterest expense to average assets | 2.3051% | 6,691 |
| Loan and lease loss provision to assets | 0.1037% | 6,336 |
| Net operating income to assets | 1.7464% | 509 |
| Return on assets (ROA) | 1.7906% | 483 |
| Pretax return on assets | 1.8086% | 789 |
| Return on Equity (ROE) | 16.9127% | 554 |
| Retained earnings to average equity (ytd only) | -2.8578% | 5,910 |
| Net charge-offs to loans | 0.0163% | 6,684 |
| Credit loss provision to net charge-offs | 1,150.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 207.0690% | 182 |
| Efficiency ratio | 54.8736% | 7,131 |
| Assets per employee ($millions) | 3.2657% | 5,477 |
| Cash dividends to net income (ytd only)* | 116.8976% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 7,035 |
| Loan loss allowance to noncurrent loans | 189.3674% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 6,872 |
| Noncurrent loans to loans | 0.4374% | 6,456 |
| Net loans and leases to total assets | 54.8822% | 6,288 |
| Net loans and leases to deposits | 73.6185% | 5,422 |
| Net loans and leases to core deposits | 92.9717% | 5,140 |
| Total domestic deposits to total assets | 74.5495% | 6,855 |
| Equity capital to assets | 10.5143% | 3,497 |
| Core capital (leverage) ratio | 9.5105% | 3,895 |
| Tier 1 risk-based capital ratio | 13.8970% | 3,610 |
| Total risk-based capital ratio | 14.5859% | 3,912 |
| Memoranda: | ||
| Average total assets | $295,688,750 | 2,258 |
| Average earning assets | $275,112,500 | 2,229 |
| Average equity | $31,305,000 | 2,162 |
| Average total loans | $163,517,500 | 2,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 5,680 |
| Cost of funding earning assets | 1.5627% | 5,872 |
| Net interest margin | 3.7317% | 3,826 |
| Noninterest income to average assets | 0.7324% | 2,803 |
| Noninterest expense to average assets | 2.2800% | 6,819 |
| Loan and lease loss provision to assets | 0.1267% | 5,840 |
| Net operating income to assets | 1.8074% | 454 |
| Return on assets (ROA) | 1.8196% | 484 |
| Pretax return on assets | 1.8374% | 791 |
| Return on Equity (ROE) | 17.1458% | 565 |
| Retained earnings to average equity (ytd only) | -12.8206% | 7,105 |
| Net charge-offs to loans | -0.0112% | 7,621 |
| Credit loss provision to net charge-offs | -2,055.5556% | 7,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5049% | 7,380 |
| Assets per employee ($millions) | 3.1477% | 5,720 |
| Cash dividends to net income (ytd only)* | 174.7741% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 6,962 |
| Loan loss allowance to noncurrent loans | 342.8571% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 7,149 |
| Noncurrent loans to loans | 0.2492% | 6,890 |
| Net loans and leases to total assets | 54.5878% | 6,370 |
| Net loans and leases to deposits | 68.1588% | 6,173 |
| Net loans and leases to core deposits | 86.8847% | 5,818 |
| Total domestic deposits to total assets | 80.0891% | 5,440 |
| Equity capital to assets | 10.1905% | 3,731 |
| Core capital (leverage) ratio | 9.2648% | 4,221 |
| Tier 1 risk-based capital ratio | 13.7471% | 3,660 |
| Total risk-based capital ratio | 14.4543% | 3,916 |
| Memoranda: | ||
| Average total assets | $291,927,670 | 2,304 |
| Average earning assets | $273,765,000 | 2,261 |
| Average equity | $30,981,330 | 2,184 |
| Average total loans | $161,396,670 | 2,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 5,765 |
| Cost of funding earning assets | 1.6065% | 6,010 |
| Net interest margin | 3.7219% | 3,796 |
| Noninterest income to average assets | 0.7712% | 2,479 |
| Noninterest expense to average assets | 2.3025% | 6,532 |
| Loan and lease loss provision to assets | 0.1311% | 5,279 |
| Net operating income to assets | 1.8100% | 521 |
| Return on assets (ROA) | 1.8113% | 574 |
| Pretax return on assets | 1.8293% | 924 |
| Return on Equity (ROE) | 16.7282% | 718 |
| Retained earnings to average equity (ytd only) | -41.1390% | 7,980 |
| Net charge-offs to loans | 0.0025% | 5,703 |
| Credit loss provision to net charge-offs | 9,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,420.0000% | 7 |
| Efficiency ratio | 53.6743% | 7,252 |
| Assets per employee ($millions) | 3.1367% | 5,788 |
| Cash dividends to net income (ytd only)* | 345.9254% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 7,149 |
| Loan loss allowance to noncurrent loans | 395.1070% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,173 |
| Noncurrent loans to loans | 0.2032% | 6,951 |
| Net loans and leases to total assets | 54.7250% | 6,390 |
| Net loans and leases to deposits | 68.6782% | 6,114 |
| Net loans and leases to core deposits | 89.8783% | 5,565 |
| Total domestic deposits to total assets | 79.6833% | 5,476 |
| Equity capital to assets | 10.1877% | 3,775 |
| Core capital (leverage) ratio | 8.9379% | 4,812 |
| Tier 1 risk-based capital ratio | 13.3130% | 3,985 |
| Total risk-based capital ratio | 13.9797% | 4,287 |
| Memoranda: | ||
| Average total assets | $289,950,000 | 2,334 |
| Average earning assets | $271,903,500 | 2,278 |
| Average equity | $31,396,000 | 2,160 |
| Average total loans | $160,641,000 | 2,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6611% | 6,900 |
| Cost of funding earning assets | 2.1008% | 6,048 |
| Net interest margin | 3.5604% | 5,053 |
| Noninterest income to average assets | 0.6892% | 3,193 |
| Noninterest expense to average assets | 2.3419% | 6,586 |
| Loan and lease loss provision to assets | 0.0681% | 6,541 |
| Net operating income to assets | 1.5862% | 852 |
| Return on assets (ROA) | 1.6360% | 738 |
| Pretax return on assets | 1.6524% | 1,255 |
| Return on Equity (ROE) | 16.0464% | 768 |
| Retained earnings to average equity (ytd only) | 8.3451% | 746 |
| Net charge-offs to loans | 0.2789% | 3,539 |
| Credit loss provision to net charge-offs | 46.0993% | 6,389 |
| Earnings coverage of net charge-offs (x) | 11.3097% | 2,384 |
| Efficiency ratio | 57.9708% | 6,701 |
| Assets per employee ($millions) | 3.0335% | 5,975 |
| Cash dividends to net income (ytd only)* | 47.9940% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 7,301 |
| Loan loss allowance to noncurrent loans | 270.4289% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,848 |
| Noncurrent loans to loans | 0.2763% | 6,544 |
| Net loans and leases to total assets | 55.2253% | 6,526 |
| Net loans and leases to deposits | 70.6333% | 6,208 |
| Net loans and leases to core deposits | 91.1231% | 5,707 |
| Total domestic deposits to total assets | 78.1859% | 5,647 |
| Equity capital to assets | 11.4763% | 2,648 |
| Core capital (leverage) ratio | 10.1785% | 3,292 |
| Tier 1 risk-based capital ratio | 15.0785% | 3,000 |
| Total risk-based capital ratio | 15.7010% | 3,233 |
| Memoranda: | ||
| Average total assets | $286,431,200 | 2,276 |
| Average earning assets | $267,331,600 | 2,243 |
| Average equity | $29,202,800 | 2,315 |
| Average total loans | $151,670,200 | 2,896 |