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 | 6.3287% | 420 |
| Cost of funding earning assets | 2.5634% | 323 |
| Net interest margin | 3.7652% | 1,617 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9029% | 3,830 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.2778% | 1,476 |
| Return on assets (ROA) | 1.2811% | 1,438 |
| Pretax return on assets | 1.6991% | 1,065 |
| Return on Equity (ROE) | 14.3700% | 1,407 |
| Retained earnings to average equity (ytd only) | 14.0325% | 398 |
| Net charge-offs to loans | 0.2839% | 376 |
| Credit loss provision to net charge-offs | 108.8681% | 1,762 |
| Earnings coverage of net charge-offs (x) | 8.3100% | 2,354 |
| Efficiency ratio | 49.1709% | 4,030 |
| Assets per employee ($millions) | 7.3631% | 1,835 |
| Cash dividends to net income (ytd only)* | 2.3711% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,232 |
| Loan loss allowance to noncurrent loans | 61,720.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,846 |
| Noncurrent loans to loans | 0.0020% | 3,790 |
| Net loans and leases to total assets | 78.6200% | 801 |
| Net loans and leases to deposits | 89.3142% | 1,319 |
| Net loans and leases to core deposits | 103.6870% | 1,236 |
| Total domestic deposits to total assets | 88.0200% | 1,349 |
| Equity capital to assets | 9.2086% | 2,534 |
| Core capital (leverage) ratio | 9.7679% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $585,963,000 | 1,511 |
| Average earning assets | $560,654,000 | 1,466 |
| Average equity | $52,228,600 | 1,550 |
| Average total loans | $488,542,000 | 1,254 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2024% | 420 |
| Cost of funding earning assets | 2.4387% | 306 |
| Net interest margin | 3.7638% | 1,663 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.9488% | 3,718 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 1.2330% | 1,692 |
| Return on assets (ROA) | 1.2343% | 1,687 |
| Pretax return on assets | 1.6292% | 1,298 |
| Return on Equity (ROE) | 13.9800% | 1,656 |
| Retained earnings to average equity (ytd only) | 13.9507% | 680 |
| Net charge-offs to loans | 0.1642% | 517 |
| Credit loss provision to net charge-offs | 211.7647% | 1,086 |
| Earnings coverage of net charge-offs (x) | 13.9429% | 2,019 |
| Efficiency ratio | 50.2071% | 3,897 |
| Assets per employee ($millions) | 7.0962% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.1888% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,757 |
| Loan loss allowance to noncurrent loans | 706.6316% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 2,504 |
| Noncurrent loans to loans | 0.1877% | 2,610 |
| Net loans and leases to total assets | 84.7700% | 228 |
| Net loans and leases to deposits | 96.9803% | 687 |
| Net loans and leases to core deposits | 115.6319% | 678 |
| Total domestic deposits to total assets | 87.4100% | 1,765 |
| Equity capital to assets | 9.5831% | 2,050 |
| Core capital (leverage) ratio | 9.8742% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $572,306,500 | 1,547 |
| Average earning assets | $548,267,000 | 1,498 |
| Average equity | $50,538,500 | 1,584 |
| Average total loans | $483,232,250 | 1,262 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 458 |
| Cost of funding earning assets | 2.2366% | 315 |
| Net interest margin | 3.7349% | 1,747 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.9405% | 3,737 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.2658% | 1,649 |
| Return on assets (ROA) | 1.2658% | 1,642 |
| Pretax return on assets | 1.6702% | 1,274 |
| Return on Equity (ROE) | 14.7700% | 1,517 |
| Retained earnings to average equity (ytd only) | 14.7292% | 594 |
| Net charge-offs to loans | 0.2468% | 334 |
| Credit loss provision to net charge-offs | 112.4361% | 1,366 |
| Earnings coverage of net charge-offs (x) | 9.2726% | 2,027 |
| Efficiency ratio | 50.2559% | 3,907 |
| Assets per employee ($millions) | 7.2536% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.2788% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,291 |
| Loan loss allowance to noncurrent loans | 633.6439% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,412 |
| Noncurrent loans to loans | 0.1941% | 2,493 |
| Net loans and leases to total assets | 83.6800% | 292 |
| Net loans and leases to deposits | 95.8782% | 738 |
| Net loans and leases to core deposits | 111.4973% | 764 |
| Total domestic deposits to total assets | 87.2800% | 1,836 |
| Equity capital to assets | 9.3393% | 2,280 |
| Core capital (leverage) ratio | 10.0755% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $566,747,333 | 1,564 |
| Average earning assets | $543,686,333 | 1,515 |
| Average equity | $48,570,333 | 1,634 |
| Average total loans | $475,636,000 | 1,265 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 415 |
| Cost of funding earning assets | 2.0710% | 253 |
| Net interest margin | 3.7310% | 1,827 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9534% | 3,737 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2993% | 1,670 |
| Return on assets (ROA) | 1.2970% | 1,652 |
| Pretax return on assets | 1.7061% | 1,261 |
| Return on Equity (ROE) | 15.8900% | 1,381 |
| Retained earnings to average equity (ytd only) | 15.7994% | 710 |
| Net charge-offs to loans | -0.0585% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.6525% | 3,882 |
| Assets per employee ($millions) | 6.7608% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.5543% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,852 |
| Loan loss allowance to noncurrent loans | 643.7500% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,259 |
| Noncurrent loans to loans | 0.2084% | 2,433 |
| Net loans and leases to total assets | 84.7200% | 195 |
| Net loans and leases to deposits | 92.7390% | 873 |
| Net loans and leases to core deposits | 104.3809% | 903 |
| Total domestic deposits to total assets | 91.3600% | 685 |
| Equity capital to assets | 8.3628% | 2,995 |
| Core capital (leverage) ratio | 8.6297% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $556,352,000 | 1,610 |
| Average earning assets | $534,439,500 | 1,557 |
| Average equity | $45,419,500 | 1,729 |
| Average total loans | $464,566,500 | 1,305 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 456 |
| Cost of funding earning assets | 0.6935% | 597 |
| Net interest margin | 4.0742% | 696 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.1185% | 3,240 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 1.3432% | 1,301 |
| Return on assets (ROA) | 1.3532% | 1,229 |
| Pretax return on assets | 1.7929% | 750 |
| Return on Equity (ROE) | 16.4400% | 971 |
| Retained earnings to average equity (ytd only) | 15.8950% | 234 |
| Net charge-offs to loans | 0.0038% | 2,325 |
| Credit loss provision to net charge-offs | 11,560.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 684.8667% | 260 |
| Efficiency ratio | 49.7284% | 4,144 |
| Assets per employee ($millions) | 6.8928% | 2,053 |
| Cash dividends to net income (ytd only)* | 3.3123% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,743 |
| Loan loss allowance to noncurrent loans | 18,327.2727% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,858 |
| Noncurrent loans to loans | 0.0073% | 3,807 |
| Net loans and leases to total assets | 80.0600% | 584 |
| Net loans and leases to deposits | 87.2253% | 1,230 |
| Net loans and leases to core deposits | 101.1342% | 941 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.9662% | 3,079 |
| Core capital (leverage) ratio | 8.5978% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $479,676,800 | 1,772 |
| Average earning assets | $456,413,000 | 1,739 |
| Average equity | $39,484,000 | 1,931 |
| Average total loans | $399,552,600 | 1,391 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 498 |
| Cost of funding earning assets | 0.3856% | 1,394 |
| Net interest margin | 4.1171% | 499 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.1445% | 3,089 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 1.3958% | 1,101 |
| Return on assets (ROA) | 1.4089% | 1,038 |
| Pretax return on assets | 1.8358% | 682 |
| Return on Equity (ROE) | 16.9500% | 801 |
| Retained earnings to average equity (ytd only) | 16.5147% | 244 |
| Net charge-offs to loans | -0.0010% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.6244% | 4,185 |
| Assets per employee ($millions) | 6.5441% | 2,284 |
| Cash dividends to net income (ytd only)* | 2.5715% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,172 |
| Loan loss allowance to noncurrent loans | 1,025.0460% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 2,905 |
| Noncurrent loans to loans | 0.1240% | 3,023 |
| Net loans and leases to total assets | 84.7000% | 203 |
| Net loans and leases to deposits | 101.4551% | 319 |
| Net loans and leases to core deposits | 110.2116% | 462 |
| Total domestic deposits to total assets | 83.4900% | 3,605 |
| Equity capital to assets | 8.3927% | 2,609 |
| Core capital (leverage) ratio | 9.1424% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $460,016,000 | 1,835 |
| Average earning assets | $436,385,250 | 1,805 |
| Average equity | $38,235,750 | 2,017 |
| Average total loans | $386,175,500 | 1,429 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 529 |
| Cost of funding earning assets | 0.2376% | 2,421 |
| Net interest margin | 4.0581% | 435 |
| Noninterest income to average assets | 0.4513% | 2,437 |
| Noninterest expense to average assets | 2.1471% | 3,012 |
| Loan and lease loss provision to assets | 0.3538% | 171 |
| Net operating income to assets | 1.4349% | 825 |
| Return on assets (ROA) | 1.4562% | 761 |
| Pretax return on assets | 1.8145% | 579 |
| Return on Equity (ROE) | 17.5854% | 518 |
| Retained earnings to average equity (ytd only) | 17.0949% | 146 |
| Net charge-offs to loans | -0.0011% | 3,048 |
| Credit loss provision to net charge-offs | -39,200.0000% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0631% | 4,243 |
| Assets per employee ($millions) | 6.2192% | 2,551 |
| Cash dividends to net income (ytd only)* | 2.7890% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,334 |
| Loan loss allowance to noncurrent loans | 9,133.9286% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,910 |
| Noncurrent loans to loans | 0.0139% | 3,866 |
| Net loans and leases to total assets | 83.1051% | 228 |
| Net loans and leases to deposits | 97.9235% | 345 |
| Net loans and leases to core deposits | 103.1374% | 543 |
| Total domestic deposits to total assets | 84.8673% | 3,511 |
| Equity capital to assets | 8.7127% | 2,606 |
| Core capital (leverage) ratio | 9.3244% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,207,667 | 1,895 |
| Average earning assets | $419,110,667 | 1,884 |
| Average equity | $36,701,000 | 2,130 |
| Average total loans | $368,926,000 | 1,478 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 588 |
| Cost of funding earning assets | 0.1771% | 3,123 |
| Net interest margin | 3.9620% | 444 |
| Noninterest income to average assets | 0.5275% | 2,009 |
| Noninterest expense to average assets | 2.2277% | 2,751 |
| Loan and lease loss provision to assets | 0.3141% | 189 |
| Net operating income to assets | 1.4174% | 764 |
| Return on assets (ROA) | 1.4914% | 640 |
| Pretax return on assets | 1.8215% | 523 |
| Return on Equity (ROE) | 18.5551% | 299 |
| Retained earnings to average equity (ytd only) | 17.5022% | 155 |
| Net charge-offs to loans | -0.0011% | 3,028 |
| Credit loss provision to net charge-offs | -33,400.0000% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1347% | 4,191 |
| Assets per employee ($millions) | 5.8549% | 2,938 |
| Cash dividends to net income (ytd only)* | 5.6747% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,549 |
| Loan loss allowance to noncurrent loans | 5,125.2747% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,835 |
| Noncurrent loans to loans | 0.0246% | 3,816 |
| Net loans and leases to total assets | 84.3998% | 77 |
| Net loans and leases to deposits | 96.6852% | 265 |
| Net loans and leases to core deposits | 99.1553% | 538 |
| Total domestic deposits to total assets | 87.2934% | 2,819 |
| Equity capital to assets | 7.9670% | 3,598 |
| Core capital (leverage) ratio | 8.5668% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,372,500 | 1,963 |
| Average earning assets | $402,121,000 | 1,945 |
| Average equity | $34,190,000 | 2,282 |
| Average total loans | $351,845,500 | 1,514 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 1,000 |
| Cost of funding earning assets | 0.2548% | 2,868 |
| Net interest margin | 3.9392% | 801 |
| Noninterest income to average assets | 0.4448% | 2,836 |
| Noninterest expense to average assets | 2.2830% | 2,843 |
| Loan and lease loss provision to assets | 0.0958% | 1,303 |
| Net operating income to assets | 1.3414% | 1,470 |
| Return on assets (ROA) | 1.3433% | 1,500 |
| Pretax return on assets | 1.7413% | 1,044 |
| Return on Equity (ROE) | 15.9949% | 762 |
| Retained earnings to average equity (ytd only) | 15.1490% | 212 |
| Net charge-offs to loans | -0.0440% | 4,268 |
| Credit loss provision to net charge-offs | -276.9231% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4436% | 3,764 |
| Assets per employee ($millions) | 5.4218% | 3,331 |
| Cash dividends to net income (ytd only)* | 5.2882% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,364 |
| Loan loss allowance to noncurrent loans | 10,558.5366% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,892 |
| Noncurrent loans to loans | 0.0123% | 4,004 |
| Net loans and leases to total assets | 78.8117% | 331 |
| Net loans and leases to deposits | 86.0529% | 773 |
| Net loans and leases to core deposits | 88.4128% | 1,050 |
| Total domestic deposits to total assets | 91.5852% | 289 |
| Equity capital to assets | 8.1110% | 4,298 |
| Core capital (leverage) ratio | 8.3089% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,859,400 | 2,081 |
| Average earning assets | $350,455,400 | 2,081 |
| Average equity | $31,566,400 | 2,441 |
| Average total loans | $295,659,000 | 1,718 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 1,000 |
| Cost of funding earning assets | 0.2720% | 2,872 |
| Net interest margin | 3.9990% | 797 |
| Noninterest income to average assets | 0.4298% | 2,930 |
| Noninterest expense to average assets | 2.2164% | 3,017 |
| Loan and lease loss provision to assets | 0.1313% | 877 |
| Net operating income to assets | 1.3807% | 1,599 |
| Return on assets (ROA) | 1.3856% | 1,649 |
| Pretax return on assets | 1.8001% | 1,161 |
| Return on Equity (ROE) | 16.3390% | 881 |
| Retained earnings to average equity (ytd only) | 15.6249% | 327 |
| Net charge-offs to loans | -0.0610% | 4,435 |
| Credit loss provision to net charge-offs | -274.8092% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5148% | 3,869 |
| Assets per employee ($millions) | 4.9015% | 3,796 |
| Cash dividends to net income (ytd only)* | 4.3707% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,767 |
| Loan loss allowance to noncurrent loans | 10,072.0930% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,757 |
| Noncurrent loans to loans | 0.0145% | 4,099 |
| Net loans and leases to total assets | 77.2311% | 455 |
| Net loans and leases to deposits | 84.7710% | 910 |
| Net loans and leases to core deposits | 87.2845% | 1,200 |
| Total domestic deposits to total assets | 91.1056% | 337 |
| Equity capital to assets | 8.6882% | 4,078 |
| Core capital (leverage) ratio | 8.5569% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,454,000 | 2,144 |
| Average earning assets | $339,208,250 | 2,158 |
| Average equity | $30,992,500 | 2,498 |
| Average total loans | $286,235,500 | 1,788 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 1,049 |
| Cost of funding earning assets | 0.2927% | 2,847 |
| Net interest margin | 3.9806% | 852 |
| Noninterest income to average assets | 0.4266% | 2,971 |
| Noninterest expense to average assets | 2.1568% | 3,217 |
| Loan and lease loss provision to assets | 0.1494% | 798 |
| Net operating income to assets | 1.3196% | 1,805 |
| Return on assets (ROA) | 1.3196% | 1,870 |
| Pretax return on assets | 1.8004% | 1,233 |
| Return on Equity (ROE) | 15.6944% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.9706% | 435 |
| Net charge-offs to loans | 0.0085% | 1,823 |
| Credit loss provision to net charge-offs | 2,250.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 293.6667% | 380 |
| Efficiency ratio | 52.5195% | 3,984 |
| Assets per employee ($millions) | 4.9504% | 3,698 |
| Cash dividends to net income (ytd only)* | 4.6122% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,678 |
| Loan loss allowance to noncurrent loans | 6,304.6154% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,810 |
| Noncurrent loans to loans | 0.0234% | 4,102 |
| Net loans and leases to total assets | 73.8259% | 774 |
| Net loans and leases to deposits | 80.8860% | 1,343 |
| Net loans and leases to core deposits | 83.7509% | 1,584 |
| Total domestic deposits to total assets | 91.2715% | 292 |
| Equity capital to assets | 8.4839% | 4,216 |
| Core capital (leverage) ratio | 8.4733% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,465,667 | 2,153 |
| Average earning assets | $334,174,000 | 2,172 |
| Average equity | $30,393,000 | 2,521 |
| Average total loans | $283,042,000 | 1,813 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 929 |
| Cost of funding earning assets | 0.3167% | 2,826 |
| Net interest margin | 4.0699% | 760 |
| Noninterest income to average assets | 0.4072% | 3,050 |
| Noninterest expense to average assets | 2.1685% | 3,206 |
| Loan and lease loss provision to assets | 0.1514% | 858 |
| Net operating income to assets | 1.3496% | 1,685 |
| Return on assets (ROA) | 1.3496% | 1,777 |
| Pretax return on assets | 1.8353% | 1,228 |
| Return on Equity (ROE) | 16.1260% | 991 |
| Retained earnings to average equity (ytd only) | 16.1260% | 503 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1868% | 3,976 |
| Assets per employee ($millions) | 5.2549% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,970 |
| Loan loss allowance to noncurrent loans | 11,365.7143% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,147 |
| Noncurrent loans to loans | 0.0123% | 4,247 |
| Net loans and leases to total assets | 76.3159% | 603 |
| Net loans and leases to deposits | 83.3635% | 1,212 |
| Net loans and leases to core deposits | 86.5546% | 1,486 |
| Total domestic deposits to total assets | 91.5459% | 231 |
| Equity capital to assets | 8.2627% | 4,318 |
| Core capital (leverage) ratio | 8.7458% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,559,000 | 2,155 |
| Average earning assets | $328,359,000 | 2,180 |
| Average equity | $29,840,000 | 2,557 |
| Average total loans | $285,464,000 | 1,804 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 1,233 |
| Cost of funding earning assets | 0.6013% | 2,296 |
| Net interest margin | 3.9303% | 1,135 |
| Noninterest income to average assets | 0.5450% | 2,443 |
| Noninterest expense to average assets | 2.3927% | 3,152 |
| Loan and lease loss provision to assets | 0.3019% | 1,244 |
| Net operating income to assets | 1.2415% | 1,411 |
| Return on assets (ROA) | 1.2423% | 1,514 |
| Pretax return on assets | 1.5586% | 1,171 |
| Return on Equity (ROE) | 13.8874% | 843 |
| Retained earnings to average equity (ytd only) | 10.0098% | 585 |
| Net charge-offs to loans | 0.0012% | 3,382 |
| Credit loss provision to net charge-offs | 31,333.3333% | 35 |
| Earnings coverage of net charge-offs (x) | 1,930.0000% | 57 |
| Efficiency ratio | 56.2689% | 3,953 |
| Assets per employee ($millions) | 5.0790% | 3,305 |
| Cash dividends to net income (ytd only)* | 27.9214% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,228 |
| Loan loss allowance to noncurrent loans | 3,490.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,470 |
| Noncurrent loans to loans | 0.0384% | 4,150 |
| Net loans and leases to total assets | 81.7718% | 312 |
| Net loans and leases to deposits | 89.6696% | 948 |
| Net loans and leases to core deposits | 93.2639% | 1,289 |
| Total domestic deposits to total assets | 91.1924% | 181 |
| Equity capital to assets | 8.5175% | 4,429 |
| Core capital (leverage) ratio | 8.7324% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,361,400 | 2,234 |
| Average earning assets | $293,692,400 | 2,216 |
| Average equity | $27,852,600 | 2,607 |
| Average total loans | $259,612,400 | 1,873 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,111 |
| Cost of funding earning assets | 0.6602% | 2,270 |
| Net interest margin | 4.0183% | 1,071 |
| Noninterest income to average assets | 0.6177% | 2,108 |
| Noninterest expense to average assets | 2.3575% | 3,263 |
| Loan and lease loss provision to assets | 0.3345% | 1,157 |
| Net operating income to assets | 1.3962% | 1,109 |
| Return on assets (ROA) | 1.3973% | 1,206 |
| Pretax return on assets | 1.7213% | 925 |
| Return on Equity (ROE) | 15.4103% | 626 |
| Retained earnings to average equity (ytd only) | 11.6233% | 482 |
| Net charge-offs to loans | -0.0021% | 3,891 |
| Credit loss provision to net charge-offs | -19,000.0000% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4324% | 4,211 |
| Assets per employee ($millions) | 5.0610% | 3,166 |
| Cash dividends to net income (ytd only)* | 24.5747% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,277 |
| Loan loss allowance to noncurrent loans | 2,119.0751% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 3,665 |
| Noncurrent loans to loans | 0.0601% | 4,135 |
| Net loans and leases to total assets | 85.1061% | 204 |
| Net loans and leases to deposits | 100.0042% | 534 |
| Net loans and leases to core deposits | 105.3058% | 873 |
| Total domestic deposits to total assets | 85.1025% | 2,395 |
| Equity capital to assets | 8.6865% | 4,341 |
| Core capital (leverage) ratio | 9.3084% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,858,750 | 2,265 |
| Average earning assets | $285,987,500 | 2,233 |
| Average equity | $27,461,500 | 2,624 |
| Average total loans | $252,951,500 | 1,906 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 1,003 |
| Cost of funding earning assets | 0.7434% | 2,158 |
| Net interest margin | 4.1404% | 1,040 |
| Noninterest income to average assets | 0.4978% | 2,578 |
| Noninterest expense to average assets | 2.4208% | 3,198 |
| Loan and lease loss provision to assets | 0.3966% | 1,023 |
| Net operating income to assets | 1.1885% | 1,674 |
| Return on assets (ROA) | 1.1885% | 1,805 |
| Pretax return on assets | 1.5879% | 1,256 |
| Return on Equity (ROE) | 12.9010% | 1,121 |
| Retained earnings to average equity (ytd only) | 7.7050% | 1,399 |
| Net charge-offs to loans | -0.0025% | 3,855 |
| Credit loss provision to net charge-offs | -19,333.3333% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9519% | 4,066 |
| Assets per employee ($millions) | 5.0386% | 3,123 |
| Cash dividends to net income (ytd only)* | 40.2762% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,288 |
| Loan loss allowance to noncurrent loans | 3,084.0708% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 3,832 |
| Noncurrent loans to loans | 0.0403% | 4,320 |
| Net loans and leases to total assets | 85.8203% | 146 |
| Net loans and leases to deposits | 99.3317% | 593 |
| Net loans and leases to core deposits | 104.9286% | 950 |
| Total domestic deposits to total assets | 86.3978% | 1,844 |
| Equity capital to assets | 8.5698% | 4,434 |
| Core capital (leverage) ratio | 8.7056% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,470,667 | 2,297 |
| Average earning assets | $276,011,333 | 2,274 |
| Average equity | $26,943,667 | 2,653 |
| Average total loans | $241,288,667 | 1,952 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 2,085 |
| Cost of funding earning assets | 0.8948% | 1,900 |
| Net interest margin | 3.6785% | 2,401 |
| Noninterest income to average assets | 0.5060% | 2,521 |
| Noninterest expense to average assets | 2.4882% | 3,306 |
| Loan and lease loss provision to assets | 0.1730% | 1,705 |
| Net operating income to assets | 1.0178% | 2,121 |
| Return on assets (ROA) | 1.0178% | 2,225 |
| Pretax return on assets | 1.3118% | 1,839 |
| Return on Equity (ROE) | 10.6173% | 1,530 |
| Retained earnings to average equity (ytd only) | 6.8577% | 1,592 |
| Net charge-offs to loans | -0.0054% | 3,890 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6270% | 3,422 |
| Assets per employee ($millions) | 4.2804% | 3,554 |
| Cash dividends to net income (ytd only)* | 35.4108% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,972 |
| Loan loss allowance to noncurrent loans | 1,057.6923% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 3,642 |
| Noncurrent loans to loans | 0.1264% | 4,015 |
| Net loans and leases to total assets | 80.2393% | 668 |
| Net loans and leases to deposits | 89.0682% | 1,632 |
| Net loans and leases to core deposits | 95.5222% | 1,840 |
| Total domestic deposits to total assets | 90.0875% | 292 |
| Equity capital to assets | 9.6706% | 4,068 |
| Core capital (leverage) ratio | 9.8845% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,471,500 | 2,339 |
| Average earning assets | $261,520,500 | 2,311 |
| Average equity | $26,598,000 | 2,664 |
| Average total loans | $221,818,500 | 2,040 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 2,145 |
| Cost of funding earning assets | 0.9828% | 1,798 |
| Net interest margin | 3.7825% | 2,562 |
| Noninterest income to average assets | 0.5063% | 2,697 |
| Noninterest expense to average assets | 2.6001% | 3,173 |
| Loan and lease loss provision to assets | 0.0938% | 2,160 |
| Net operating income to assets | 1.0790% | 2,526 |
| Return on assets (ROA) | 1.0805% | 2,621 |
| Pretax return on assets | 1.3694% | 2,270 |
| Return on Equity (ROE) | 11.1847% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.1847% | 308 |
| Net charge-offs to loans | 0.0550% | 2,314 |
| Credit loss provision to net charge-offs | 220.1835% | 1,202 |
| Earnings coverage of net charge-offs (x) | 34.2936% | 1,450 |
| Efficiency ratio | 64.0196% | 3,071 |
| Assets per employee ($millions) | 4.4632% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,769 |
| Loan loss allowance to noncurrent loans | 1,947.6510% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,839 |
| Noncurrent loans to loans | 0.0685% | 4,262 |
| Net loans and leases to total assets | 77.5028% | 1,159 |
| Net loans and leases to deposits | 85.8423% | 2,110 |
| Net loans and leases to core deposits | 92.7613% | 2,180 |
| Total domestic deposits to total assets | 90.2851% | 241 |
| Equity capital to assets | 9.5104% | 4,344 |
| Core capital (leverage) ratio | 9.6127% | 3,946 |
| Tier 1 risk-based capital ratio | 12.6630% | 3,969 |
| Total risk-based capital ratio | 13.9146% | 3,848 |
| Memoranda: | ||
| Average total assets | $255,800,800 | 2,419 |
| Average earning assets | $240,424,800 | 2,408 |
| Average equity | $24,712,400 | 2,737 |
| Average total loans | $198,192,600 | 2,180 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 2,195 |
| Cost of funding earning assets | 0.9688% | 1,895 |
| Net interest margin | 3.8067% | 2,574 |
| Noninterest income to average assets | 0.4917% | 2,784 |
| Noninterest expense to average assets | 2.5828% | 3,209 |
| Loan and lease loss provision to assets | 0.0958% | 2,000 |
| Net operating income to assets | 1.0739% | 2,670 |
| Return on assets (ROA) | 1.0743% | 2,760 |
| Pretax return on assets | 1.3867% | 2,361 |
| Return on Equity (ROE) | 11.0728% | 1,993 |
| Retained earnings to average equity (ytd only) | 11.0728% | 512 |
| Net charge-offs to loans | -0.0338% | 4,729 |
| Credit loss provision to net charge-offs | -367.3469% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5423% | 3,087 |
| Assets per employee ($millions) | 4.2880% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,485 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,981 |
| Noncurrent loans to loans | 0.0513% | 4,416 |
| Net loans and leases to total assets | 78.0398% | 1,137 |
| Net loans and leases to deposits | 89.4358% | 1,762 |
| Net loans and leases to core deposits | 95.8965% | 2,007 |
| Total domestic deposits to total assets | 87.2579% | 1,402 |
| Equity capital to assets | 9.6318% | 4,354 |
| Core capital (leverage) ratio | 9.8128% | 3,836 |
| Tier 1 risk-based capital ratio | 12.6287% | 4,067 |
| Total risk-based capital ratio | 13.8812% | 3,938 |
| Memoranda: | ||
| Average total assets | $250,571,250 | 2,479 |
| Average earning assets | $235,193,500 | 2,457 |
| Average equity | $24,311,250 | 2,780 |
| Average total loans | $193,399,000 | 2,231 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 2,259 |
| Cost of funding earning assets | 0.9329% | 1,991 |
| Net interest margin | 3.8027% | 2,582 |
| Noninterest income to average assets | 0.5011% | 2,668 |
| Noninterest expense to average assets | 2.6210% | 3,144 |
| Loan and lease loss provision to assets | 0.0978% | 1,908 |
| Net operating income to assets | 1.0404% | 2,765 |
| Return on assets (ROA) | 1.0404% | 2,836 |
| Pretax return on assets | 1.3492% | 2,383 |
| Return on Equity (ROE) | 10.6954% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.6954% | 605 |
| Net charge-offs to loans | -0.0746% | 4,943 |
| Credit loss provision to net charge-offs | -171.4286% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4302% | 3,069 |
| Assets per employee ($millions) | 4.1547% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,354 |
| Loan loss allowance to noncurrent loans | 8,227.7778% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,723 |
| Noncurrent loans to loans | 0.0179% | 4,635 |
| Net loans and leases to total assets | 78.1633% | 1,192 |
| Net loans and leases to deposits | 89.8862% | 1,753 |
| Net loans and leases to core deposits | 98.0780% | 1,882 |
| Total domestic deposits to total assets | 86.9580% | 1,613 |
| Equity capital to assets | 9.7733% | 4,163 |
| Core capital (leverage) ratio | 10.2597% | 3,322 |
| Tier 1 risk-based capital ratio | 12.8913% | 3,896 |
| Total risk-based capital ratio | 14.1446% | 3,796 |
| Memoranda: | ||
| Average total assets | $245,475,670 | 2,523 |
| Average earning assets | $230,255,330 | 2,499 |
| Average equity | $23,879,330 | 2,806 |
| Average total loans | $187,707,000 | 2,278 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 2,316 |
| Cost of funding earning assets | 0.9077% | 1,964 |
| Net interest margin | 3.7633% | 2,660 |
| Noninterest income to average assets | 0.4870% | 2,629 |
| Noninterest expense to average assets | 2.6253% | 3,139 |
| Loan and lease loss provision to assets | 0.0994% | 1,768 |
| Net operating income to assets | 1.0269% | 2,758 |
| Return on assets (ROA) | 1.0269% | 2,793 |
| Pretax return on assets | 1.2919% | 2,489 |
| Return on Equity (ROE) | 10.5827% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.5827% | 907 |
| Net charge-offs to loans | -0.1392% | 5,107 |
| Credit loss provision to net charge-offs | -95.2381% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3608% | 3,032 |
| Assets per employee ($millions) | 3.7644% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 1,100 |
| Loan loss allowance to noncurrent loans | 1,732.9341% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,464 |
| Noncurrent loans to loans | 0.0913% | 4,341 |
| Net loans and leases to total assets | 75.8893% | 1,502 |
| Net loans and leases to deposits | 84.6464% | 2,308 |
| Net loans and leases to core deposits | 92.6637% | 2,244 |
| Total domestic deposits to total assets | 89.6545% | 576 |
| Equity capital to assets | 10.0655% | 3,758 |
| Core capital (leverage) ratio | 10.0818% | 3,514 |
| Tier 1 risk-based capital ratio | 14.0390% | 3,323 |
| Total risk-based capital ratio | 15.2944% | 3,237 |
| Memoranda: | ||
| Average total assets | $241,495,500 | 2,572 |
| Average earning assets | $226,503,500 | 2,542 |
| Average equity | $23,434,500 | 2,847 |
| Average total loans | $181,032,500 | 2,360 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 2,154 |
| Cost of funding earning assets | 0.7220% | 1,941 |
| Net interest margin | 3.8690% | 2,432 |
| Noninterest income to average assets | 0.6583% | 2,018 |
| Noninterest expense to average assets | 2.7963% | 2,706 |
| Loan and lease loss provision to assets | 0.1368% | 1,569 |
| Net operating income to assets | 0.9357% | 3,302 |
| Return on assets (ROA) | 0.9357% | 3,295 |
| Pretax return on assets | 1.3270% | 2,410 |
| Return on Equity (ROE) | 10.3112% | 2,388 |
| Retained earnings to average equity (ytd only) | 10.3112% | 566 |
| Net charge-offs to loans | -0.0893% | 5,125 |
| Credit loss provision to net charge-offs | -207.2368% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6406% | 2,926 |
| Assets per employee ($millions) | 3.8412% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,159 |
| Loan loss allowance to noncurrent loans | 1,259.5455% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,370 |
| Noncurrent loans to loans | 0.1228% | 4,177 |
| Net loans and leases to total assets | 71.7652% | 2,304 |
| Net loans and leases to deposits | 79.4803% | 3,007 |
| Net loans and leases to core deposits | 86.2924% | 2,891 |
| Total domestic deposits to total assets | 90.2931% | 383 |
| Equity capital to assets | 9.3551% | 4,263 |
| Core capital (leverage) ratio | 9.7101% | 3,897 |
| Tier 1 risk-based capital ratio | 14.0152% | 3,280 |
| Total risk-based capital ratio | 15.2700% | 3,211 |
| Memoranda: | ||
| Average total assets | $230,301,600 | 2,613 |
| Average earning assets | $214,394,800 | 2,607 |
| Average equity | $20,899,600 | 3,007 |
| Average total loans | $170,192,200 | 2,435 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 2,059 |
| Cost of funding earning assets | 0.6680% | 2,045 |
| Net interest margin | 3.9061% | 2,276 |
| Noninterest income to average assets | 0.7037% | 1,850 |
| Noninterest expense to average assets | 2.7971% | 2,637 |
| Loan and lease loss provision to assets | 0.1855% | 974 |
| Net operating income to assets | 0.9551% | 3,283 |
| Return on assets (ROA) | 0.9551% | 3,297 |
| Pretax return on assets | 1.3467% | 2,441 |
| Return on Equity (ROE) | 10.6140% | 2,344 |
| Retained earnings to average equity (ytd only) | 10.6140% | 744 |
| Net charge-offs to loans | -0.1437% | 5,241 |
| Credit loss provision to net charge-offs | -174.0331% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6083% | 3,087 |
| Assets per employee ($millions) | 3.7810% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 1,165 |
| Loan loss allowance to noncurrent loans | 2,886.5979% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,767 |
| Noncurrent loans to loans | 0.0541% | 4,649 |
| Net loans and leases to total assets | 75.2614% | 1,768 |
| Net loans and leases to deposits | 83.5284% | 2,652 |
| Net loans and leases to core deposits | 91.8513% | 2,496 |
| Total domestic deposits to total assets | 90.1028% | 476 |
| Equity capital to assets | 9.4719% | 4,107 |
| Core capital (leverage) ratio | 9.9855% | 3,652 |
| Tier 1 risk-based capital ratio | 13.5711% | 3,589 |
| Total risk-based capital ratio | 14.8257% | 3,493 |
| Memoranda: | ||
| Average total assets | $226,418,250 | 2,653 |
| Average earning assets | $210,159,500 | 2,651 |
| Average equity | $20,375,000 | 3,082 |
| Average total loans | $167,941,500 | 2,471 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 2,079 |
| Cost of funding earning assets | 0.6301% | 2,043 |
| Net interest margin | 3.8745% | 2,295 |
| Noninterest income to average assets | 0.7222% | 1,779 |
| Noninterest expense to average assets | 2.8022% | 2,649 |
| Loan and lease loss provision to assets | 0.1877% | 943 |
| Net operating income to assets | 1.0252% | 2,915 |
| Return on assets (ROA) | 1.0252% | 2,923 |
| Pretax return on assets | 1.3211% | 2,429 |
| Return on Equity (ROE) | 11.6062% | 1,869 |
| Retained earnings to average equity (ytd only) | 11.6062% | 574 |
| Net charge-offs to loans | 0.0682% | 1,658 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,503 |
| Efficiency ratio | 65.0010% | 3,156 |
| Assets per employee ($millions) | 3.6544% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,540 |
| Loan loss allowance to noncurrent loans | 2,508.1633% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,754 |
| Noncurrent loans to loans | 0.0580% | 4,657 |
| Net loans and leases to total assets | 72.3041% | 2,227 |
| Net loans and leases to deposits | 80.1088% | 2,932 |
| Net loans and leases to core deposits | 87.5996% | 2,760 |
| Total domestic deposits to total assets | 90.2574% | 482 |
| Equity capital to assets | 9.4981% | 4,101 |
| Core capital (leverage) ratio | 9.9870% | 3,596 |
| Tier 1 risk-based capital ratio | 13.6517% | 3,528 |
| Total risk-based capital ratio | 14.9045% | 3,446 |
| Memoranda: | ||
| Average total assets | $223,751,330 | 2,693 |
| Average earning assets | $207,253,670 | 2,694 |
| Average equity | $19,765,330 | 3,150 |
| Average total loans | $164,179,670 | 2,512 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 2,068 |
| Cost of funding earning assets | 0.5994% | 2,059 |
| Net interest margin | 3.8373% | 2,273 |
| Noninterest income to average assets | 0.6984% | 1,840 |
| Noninterest expense to average assets | 2.8025% | 2,680 |
| Loan and lease loss provision to assets | 0.1905% | 884 |
| Net operating income to assets | 1.0285% | 2,740 |
| Return on assets (ROA) | 1.0285% | 2,758 |
| Pretax return on assets | 1.2589% | 2,518 |
| Return on Equity (ROE) | 12.1189% | 1,540 |
| Retained earnings to average equity (ytd only) | 12.1189% | 665 |
| Net charge-offs to loans | 0.1434% | 954 |
| Credit loss provision to net charge-offs | 181.0345% | 1,113 |
| Earnings coverage of net charge-offs (x) | 13.7759% | 1,740 |
| Efficiency ratio | 65.9130% | 3,174 |
| Assets per employee ($millions) | 3.5968% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,734 |
| Loan loss allowance to noncurrent loans | 2,044.3478% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,719 |
| Noncurrent loans to loans | 0.0698% | 4,668 |
| Net loans and leases to total assets | 73.9889% | 1,855 |
| Net loans and leases to deposits | 81.0695% | 2,689 |
| Net loans and leases to core deposits | 87.7596% | 2,651 |
| Total domestic deposits to total assets | 91.2660% | 234 |
| Equity capital to assets | 8.5950% | 4,905 |
| Core capital (leverage) ratio | 8.9114% | 4,788 |
| Tier 1 risk-based capital ratio | 12.4518% | 4,277 |
| Total risk-based capital ratio | 13.7046% | 4,172 |
| Memoranda: | ||
| Average total assets | $220,514,500 | 2,752 |
| Average earning assets | $204,203,500 | 2,746 |
| Average equity | $18,714,500 | 3,284 |
| Average total loans | $161,809,500 | 2,553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,747 |
| Cost of funding earning assets | 0.5575% | 1,898 |
| Net interest margin | 3.9300% | 1,991 |
| Noninterest income to average assets | 0.7384% | 1,811 |
| Noninterest expense to average assets | 3.3119% | 1,354 |
| Loan and lease loss provision to assets | 0.5660% | 228 |
| Net operating income to assets | 0.2157% | 5,076 |
| Return on assets (ROA) | 0.2257% | 5,075 |
| Pretax return on assets | 0.5099% | 4,915 |
| Return on Equity (ROE) | 2.5217% | 4,941 |
| Retained earnings to average equity (ytd only) | -2.6564% | 5,327 |
| Net charge-offs to loans | 0.8247% | 238 |
| Credit loss provision to net charge-offs | 91.2556% | 2,760 |
| Earnings coverage of net charge-offs (x) | 1.7093% | 3,861 |
| Efficiency ratio | 75.7528% | 1,661 |
| Assets per employee ($millions) | 3.7563% | 4,349 |
| Cash dividends to net income (ytd only)* | 205.3388% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,583 |
| Loan loss allowance to noncurrent loans | 529.6552% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,518 |
| Noncurrent loans to loans | 0.2737% | 3,802 |
| Net loans and leases to total assets | 70.6732% | 2,421 |
| Net loans and leases to deposits | 77.5697% | 3,167 |
| Net loans and leases to core deposits | 83.6411% | 3,088 |
| Total domestic deposits to total assets | 91.1092% | 216 |
| Equity capital to assets | 8.3795% | 5,207 |
| Core capital (leverage) ratio | 8.2516% | 5,320 |
| Tier 1 risk-based capital ratio | 12.7730% | 4,047 |
| Total risk-based capital ratio | 14.0268% | 3,940 |
| Memoranda: | ||
| Average total assets | $215,737,400 | 2,760 |
| Average earning assets | $199,463,600 | 2,770 |
| Average equity | $19,312,000 | 3,215 |
| Average total loans | $162,245,000 | 2,518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 1,666 |
| Cost of funding earning assets | 0.5448% | 1,933 |
| Net interest margin | 3.9477% | 1,870 |
| Noninterest income to average assets | 0.7567% | 1,748 |
| Noninterest expense to average assets | 2.8929% | 2,436 |
| Loan and lease loss provision to assets | 0.2053% | 918 |
| Net operating income to assets | 0.8098% | 3,482 |
| Return on assets (ROA) | 0.8214% | 3,468 |
| Pretax return on assets | 1.3242% | 2,383 |
| Return on Equity (ROE) | 9.0267% | 2,582 |
| Retained earnings to average equity (ytd only) | 2.1883% | 4,548 |
| Net charge-offs to loans | 0.7743% | 238 |
| Credit loss provision to net charge-offs | 34.8469% | 3,040 |
| Earnings coverage of net charge-offs (x) | 2.5649% | 3,449 |
| Efficiency ratio | 65.6824% | 3,267 |
| Assets per employee ($millions) | 3.5061% | 4,726 |
| Cash dividends to net income (ytd only)* | 75.7574% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,477 |
| Loan loss allowance to noncurrent loans | 491.5531% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,789 |
| Noncurrent loans to loans | 0.2239% | 4,169 |
| Net loans and leases to total assets | 75.8097% | 1,621 |
| Net loans and leases to deposits | 84.1196% | 2,546 |
| Net loans and leases to core deposits | 92.0789% | 2,430 |
| Total domestic deposits to total assets | 90.1213% | 434 |
| Equity capital to assets | 9.1128% | 4,813 |
| Core capital (leverage) ratio | 9.0934% | 4,639 |
| Tier 1 risk-based capital ratio | 12.7964% | 4,141 |
| Total risk-based capital ratio | 13.9755% | 4,085 |
| Memoranda: | ||
| Average total assets | $214,266,000 | 2,796 |
| Average earning assets | $197,984,000 | 2,812 |
| Average equity | $19,497,250 | 3,221 |
| Average total loans | $163,073,250 | 2,517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 1,689 |
| Cost of funding earning assets | 0.5330% | 1,891 |
| Net interest margin | 3.9089% | 1,895 |
| Noninterest income to average assets | 0.7631% | 1,713 |
| Noninterest expense to average assets | 2.9441% | 2,282 |
| Loan and lease loss provision to assets | 0.0560% | 2,852 |
| Net operating income to assets | 0.8568% | 3,130 |
| Return on assets (ROA) | 0.8676% | 3,138 |
| Pretax return on assets | 1.3918% | 2,055 |
| Return on Equity (ROE) | 9.5386% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.5386% | 695 |
| Net charge-offs to loans | 0.2519% | 812 |
| Credit loss provision to net charge-offs | 29.2683% | 2,729 |
| Earnings coverage of net charge-offs (x) | 7.4829% | 2,598 |
| Efficiency ratio | 67.2921% | 3,134 |
| Assets per employee ($millions) | 3.6700% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,996 |
| Loan loss allowance to noncurrent loans | 447.1513% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 3,435 |
| Noncurrent loans to loans | 0.3106% | 3,929 |
| Net loans and leases to total assets | 73.3939% | 1,975 |
| Net loans and leases to deposits | 80.9199% | 2,814 |
| Net loans and leases to core deposits | 88.1840% | 2,685 |
| Total domestic deposits to total assets | 90.6994% | 299 |
| Equity capital to assets | 9.1153% | 4,785 |
| Core capital (leverage) ratio | 9.4088% | 4,220 |
| Tier 1 risk-based capital ratio | 13.1641% | 3,909 |
| Total risk-based capital ratio | 14.4167% | 3,806 |
| Memoranda: | ||
| Average total assets | $214,396,330 | 2,812 |
| Average earning assets | $198,111,000 | 2,824 |
| Average equity | $19,499,670 | 3,217 |
| Average total loans | $162,783,670 | 2,521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,494 |
| Cost of funding earning assets | 0.5305% | 1,859 |
| Net interest margin | 3.9207% | 1,703 |
| Noninterest income to average assets | 0.7943% | 1,573 |
| Noninterest expense to average assets | 3.0639% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8149% | 3,152 |
| Return on assets (ROA) | 0.8246% | 3,158 |
| Pretax return on assets | 1.3655% | 2,007 |
| Return on Equity (ROE) | 9.0770% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.0770% | 1,054 |
| Net charge-offs to loans | 0.4660% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 2,448 |
| Efficiency ratio | 69.4087% | 2,985 |
| Assets per employee ($millions) | 3.5981% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,209 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 3,019 |
| Noncurrent loans to loans | 0.5305% | 3,220 |
| Net loans and leases to total assets | 75.6625% | 1,464 |
| Net loans and leases to deposits | 83.4319% | 2,351 |
| Net loans and leases to core deposits | 90.2854% | 2,329 |
| Total domestic deposits to total assets | 90.6877% | 396 |
| Equity capital to assets | 9.1672% | 4,648 |
| Core capital (leverage) ratio | 9.3137% | 4,326 |
| Tier 1 risk-based capital ratio | 13.0960% | 4,026 |
| Total risk-based capital ratio | 14.3488% | 3,928 |
| Memoranda: | ||
| Average total assets | $211,494,000 | 2,875 |
| Average earning assets | $195,270,500 | 2,875 |
| Average equity | $19,213,500 | 3,265 |
| Average total loans | $162,230,500 | 2,548 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 1,921 |
| Cost of funding earning assets | 0.5377% | 1,809 |
| Net interest margin | 3.8294% | 2,215 |
| Noninterest income to average assets | 0.6833% | 2,250 |
| Noninterest expense to average assets | 3.0144% | 2,311 |
| Loan and lease loss provision to assets | 0.1151% | 2,146 |
| Net operating income to assets | 0.7209% | 3,684 |
| Return on assets (ROA) | 0.7429% | 3,686 |
| Pretax return on assets | 1.1224% | 3,007 |
| Return on Equity (ROE) | 8.1837% | 2,843 |
| Retained earnings to average equity (ytd only) | 1.0708% | 4,883 |
| Net charge-offs to loans | -0.0218% | 5,152 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4572% | 2,675 |
| Assets per employee ($millions) | 3.3984% | 4,907 |
| Cash dividends to net income (ytd only)* | 86.9153% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 1,678 |
| Loan loss allowance to noncurrent loans | 169.3007% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 2,279 |
| Noncurrent loans to loans | 0.8849% | 2,337 |
| Net loans and leases to total assets | 75.5508% | 1,593 |
| Net loans and leases to deposits | 83.1865% | 2,516 |
| Net loans and leases to core deposits | 88.4326% | 2,636 |
| Total domestic deposits to total assets | 90.8210% | 334 |
| Equity capital to assets | 9.0015% | 4,823 |
| Core capital (leverage) ratio | 9.0707% | 4,657 |
| Tier 1 risk-based capital ratio | 12.8136% | 4,197 |
| Total risk-based capital ratio | 14.0679% | 4,085 |
| Memoranda: | ||
| Average total assets | $212,943,800 | 2,826 |
| Average earning assets | $196,584,600 | 2,830 |
| Average equity | $19,331,000 | 3,234 |
| Average total loans | $160,668,600 | 2,514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,054 |
| Cost of funding earning assets | 0.5361% | 1,826 |
| Net interest margin | 3.7990% | 2,335 |
| Noninterest income to average assets | 0.6788% | 2,270 |
| Noninterest expense to average assets | 2.9632% | 2,423 |
| Loan and lease loss provision to assets | 0.1530% | 1,526 |
| Net operating income to assets | 0.7315% | 3,687 |
| Return on assets (ROA) | 0.7600% | 3,694 |
| Pretax return on assets | 1.1141% | 3,168 |
| Return on Equity (ROE) | 8.3545% | 2,829 |
| Retained earnings to average equity (ytd only) | -1.0846% | 5,504 |
| Net charge-offs to loans | -0.0216% | 5,035 |
| Credit loss provision to net charge-offs | -942.3077% | 5,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7470% | 2,786 |
| Assets per employee ($millions) | 3.5625% | 4,699 |
| Cash dividends to net income (ytd only)* | 112.9826% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,651 |
| Loan loss allowance to noncurrent loans | 247.1311% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 3,136 |
| Noncurrent loans to loans | 0.6201% | 3,156 |
| Net loans and leases to total assets | 71.3197% | 2,293 |
| Net loans and leases to deposits | 78.3127% | 3,153 |
| Net loans and leases to core deposits | 82.9211% | 3,216 |
| Total domestic deposits to total assets | 91.0705% | 176 |
| Equity capital to assets | 8.7698% | 5,343 |
| Core capital (leverage) ratio | 8.7848% | 5,072 |
| Tier 1 risk-based capital ratio | 13.0528% | 4,131 |
| Total risk-based capital ratio | 14.3081% | 4,034 |
| Memoranda: | ||
| Average total assets | $213,505,250 | 2,834 |
| Average earning assets | $197,240,750 | 2,825 |
| Average equity | $19,422,250 | 3,245 |
| Average total loans | $160,434,500 | 2,517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 1,903 |
| Cost of funding earning assets | 0.5420% | 1,766 |
| Net interest margin | 3.8319% | 2,205 |
| Noninterest income to average assets | 0.6747% | 2,252 |
| Noninterest expense to average assets | 3.0230% | 2,270 |
| Loan and lease loss provision to assets | 0.1979% | 1,091 |
| Net operating income to assets | 0.6896% | 3,848 |
| Return on assets (ROA) | 0.7331% | 3,802 |
| Pretax return on assets | 1.0611% | 3,359 |
| Return on Equity (ROE) | 7.9617% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,178 |
| Net charge-offs to loans | -0.0421% | 5,296 |
| Credit loss provision to net charge-offs | -617.6471% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6551% | 2,722 |
| Assets per employee ($millions) | 3.4606% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,981 |
| Loan loss allowance to noncurrent loans | 240.6660% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 3,200 |
| Noncurrent loans to loans | 0.6109% | 3,238 |
| Net loans and leases to total assets | 74.4913% | 1,731 |
| Net loans and leases to deposits | 82.7763% | 2,620 |
| Net loans and leases to core deposits | 88.0279% | 2,722 |
| Total domestic deposits to total assets | 89.9911% | 490 |
| Equity capital to assets | 9.3453% | 4,926 |
| Core capital (leverage) ratio | 9.3178% | 4,436 |
| Tier 1 risk-based capital ratio | 13.4729% | 3,928 |
| Total risk-based capital ratio | 14.7272% | 3,833 |
| Memoranda: | ||
| Average total assets | $212,236,000 | 2,866 |
| Average earning assets | $196,299,330 | 2,855 |
| Average equity | $19,543,670 | 3,247 |
| Average total loans | $161,446,330 | 2,516 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 1,893 |
| Cost of funding earning assets | 0.5428% | 1,774 |
| Net interest margin | 3.8280% | 2,193 |
| Noninterest income to average assets | 0.6765% | 2,147 |
| Noninterest expense to average assets | 3.1363% | 2,000 |
| Loan and lease loss provision to assets | 0.1990% | 988 |
| Net operating income to assets | 0.6529% | 3,965 |
| Return on assets (ROA) | 0.6936% | 3,858 |
| Pretax return on assets | 0.9381% | 3,700 |
| Return on Equity (ROE) | 7.5894% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.5894% | 1,625 |
| Net charge-offs to loans | 0.0124% | 2,711 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 114.2000% | 491 |
| Efficiency ratio | 74.3486% | 2,418 |
| Assets per employee ($millions) | 3.4011% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,493 |
| Loan loss allowance to noncurrent loans | 219.9215% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,143 |
| Noncurrent loans to loans | 0.6304% | 3,274 |
| Net loans and leases to total assets | 74.3980% | 1,662 |
| Net loans and leases to deposits | 82.8366% | 2,453 |
| Net loans and leases to core deposits | 87.6243% | 2,600 |
| Total domestic deposits to total assets | 89.8129% | 671 |
| Equity capital to assets | 9.1169% | 5,067 |
| Core capital (leverage) ratio | 9.2564% | 4,544 |
| Tier 1 risk-based capital ratio | 13.2807% | 4,106 |
| Total risk-based capital ratio | 14.5344% | 4,030 |
| Memoranda: | ||
| Average total assets | $211,075,000 | 2,884 |
| Average earning assets | $195,298,500 | 2,872 |
| Average equity | $19,290,000 | 3,274 |
| Average total loans | $161,063,500 | 2,512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 1,624 |
| Cost of funding earning assets | 0.5272% | 1,945 |
| Net interest margin | 3.9644% | 1,832 |
| Noninterest income to average assets | 0.6971% | 2,214 |
| Noninterest expense to average assets | 2.9802% | 2,618 |
| Loan and lease loss provision to assets | 0.1971% | 1,098 |
| Net operating income to assets | 0.7295% | 3,675 |
| Return on assets (ROA) | 0.7468% | 3,684 |
| Pretax return on assets | 1.1289% | 2,928 |
| Return on Equity (ROE) | 8.3675% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.8453% | 4,046 |
| Net charge-offs to loans | 0.1603% | 1,772 |
| Credit loss provision to net charge-offs | 164.7059% | 1,633 |
| Earnings coverage of net charge-offs (x) | 10.8588% | 2,650 |
| Efficiency ratio | 69.6315% | 3,285 |
| Assets per employee ($millions) | 3.2481% | 5,229 |
| Cash dividends to net income (ytd only)* | 65.9962% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,735 |
| Loan loss allowance to noncurrent loans | 235.0165% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 3,088 |
| Noncurrent loans to loans | 0.5677% | 3,471 |
| Net loans and leases to total assets | 76.1653% | 1,388 |
| Net loans and leases to deposits | 84.8755% | 2,256 |
| Net loans and leases to core deposits | 89.9741% | 2,408 |
| Total domestic deposits to total assets | 89.7377% | 736 |
| Equity capital to assets | 9.1616% | 4,957 |
| Core capital (leverage) ratio | 9.1548% | 4,678 |
| Tier 1 risk-based capital ratio | 13.2886% | 4,109 |
| Total risk-based capital ratio | 14.5414% | 4,057 |
| Memoranda: | ||
| Average total assets | $213,036,000 | 2,810 |
| Average earning assets | $192,536,800 | 2,866 |
| Average equity | $19,014,000 | 3,260 |
| Average total loans | $159,093,200 | 2,487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 1,626 |
| Cost of funding earning assets | 0.5202% | 2,041 |
| Net interest margin | 3.9675% | 1,817 |
| Noninterest income to average assets | 0.7173% | 2,158 |
| Noninterest expense to average assets | 2.9251% | 2,762 |
| Loan and lease loss provision to assets | 0.1960% | 1,031 |
| Net operating income to assets | 0.7742% | 3,558 |
| Return on assets (ROA) | 0.7975% | 3,533 |
| Pretax return on assets | 1.1944% | 2,844 |
| Return on Equity (ROE) | 8.9933% | 2,585 |
| Retained earnings to average equity (ytd only) | 4.0828% | 3,555 |
| Net charge-offs to loans | -0.0227% | 5,245 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3331% | 3,481 |
| Assets per employee ($millions) | 3.1900% | 5,307 |
| Cash dividends to net income (ytd only)* | 54.6022% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 2,470 |
| Loan loss allowance to noncurrent loans | 286.5266% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 3,657 |
| Noncurrent loans to loans | 0.4979% | 3,854 |
| Net loans and leases to total assets | 77.2460% | 1,216 |
| Net loans and leases to deposits | 87.1326% | 2,009 |
| Net loans and leases to core deposits | 90.2803% | 2,437 |
| Total domestic deposits to total assets | 88.6534% | 1,204 |
| Equity capital to assets | 9.2299% | 5,081 |
| Core capital (leverage) ratio | 9.2528% | 4,661 |
| Tier 1 risk-based capital ratio | 12.9519% | 4,452 |
| Total risk-based capital ratio | 14.2056% | 4,378 |
| Memoranda: | ||
| Average total assets | $214,325,500 | 2,825 |
| Average earning assets | $192,494,500 | 2,892 |
| Average equity | $19,006,250 | 3,296 |
| Average total loans | $158,748,500 | 2,493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,596 |
| Cost of funding earning assets | 0.5156% | 2,107 |
| Net interest margin | 3.9643% | 1,762 |
| Noninterest income to average assets | 0.6564% | 2,442 |
| Noninterest expense to average assets | 2.8904% | 2,932 |
| Loan and lease loss provision to assets | 0.1939% | 1,025 |
| Net operating income to assets | 0.7719% | 3,528 |
| Return on assets (ROA) | 0.7939% | 3,515 |
| Pretax return on assets | 1.1308% | 3,046 |
| Return on Equity (ROE) | 9.0706% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.0706% | 896 |
| Net charge-offs to loans | -0.0317% | 5,355 |
| Credit loss provision to net charge-offs | -840.0000% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0865% | 3,476 |
| Assets per employee ($millions) | 3.2382% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,738 |
| Loan loss allowance to noncurrent loans | 936.8644% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 4,428 |
| Noncurrent loans to loans | 0.1499% | 5,150 |
| Net loans and leases to total assets | 74.9158% | 1,518 |
| Net loans and leases to deposits | 83.6730% | 2,350 |
| Net loans and leases to core deposits | 87.7223% | 2,580 |
| Total domestic deposits to total assets | 89.5340% | 883 |
| Equity capital to assets | 9.3316% | 4,856 |
| Core capital (leverage) ratio | 9.2848% | 4,572 |
| Tier 1 risk-based capital ratio | 13.6436% | 4,133 |
| Total risk-based capital ratio | 14.8974% | 4,062 |
| Memoranda: | ||
| Average total assets | $216,651,330 | 2,816 |
| Average earning assets | $192,769,330 | 2,906 |
| Average equity | $18,962,330 | 3,318 |
| Average total loans | $157,502,670 | 2,516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 1,678 |
| Cost of funding earning assets | 0.5090% | 2,213 |
| Net interest margin | 3.9149% | 1,840 |
| Noninterest income to average assets | 0.6433% | 2,434 |
| Noninterest expense to average assets | 2.7720% | 3,338 |
| Loan and lease loss provision to assets | 0.1897% | 989 |
| Net operating income to assets | 0.7999% | 3,261 |
| Return on assets (ROA) | 0.8276% | 3,253 |
| Pretax return on assets | 1.1384% | 2,911 |
| Return on Equity (ROE) | 9.7582% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.7582% | 982 |
| Net charge-offs to loans | 0.0482% | 2,308 |
| Credit loss provision to net charge-offs | 552.6316% | 503 |
| Earnings coverage of net charge-offs (x) | 37.5789% | 1,014 |
| Efficiency ratio | 68.2384% | 3,784 |
| Assets per employee ($millions) | 3.2229% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 3,360 |
| Loan loss allowance to noncurrent loans | 818.2540% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 4,528 |
| Noncurrent loans to loans | 0.1598% | 5,203 |
| Net loans and leases to total assets | 74.2861% | 1,457 |
| Net loans and leases to deposits | 83.1867% | 2,183 |
| Net loans and leases to core deposits | 87.2020% | 2,413 |
| Total domestic deposits to total assets | 89.3005% | 1,093 |
| Equity capital to assets | 9.0942% | 5,200 |
| Core capital (leverage) ratio | 9.2436% | 4,657 |
| Tier 1 risk-based capital ratio | 13.1193% | 4,547 |
| Total risk-based capital ratio | 14.3712% | 4,460 |
| Memoranda: | ||
| Average total assets | $221,356,000 | 2,794 |
| Average earning assets | $193,313,000 | 2,914 |
| Average equity | $18,774,000 | 3,358 |
| Average total loans | $157,520,000 | 2,523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,551 |
| Cost of funding earning assets | 0.4889% | 2,784 |
| Net interest margin | 4.1151% | 1,532 |
| Noninterest income to average assets | 0.5426% | 3,216 |
| Noninterest expense to average assets | 3.0499% | 2,689 |
| Loan and lease loss provision to assets | 0.1508% | 1,739 |
| Net operating income to assets | 0.6691% | 4,042 |
| Return on assets (ROA) | 0.6881% | 4,070 |
| Pretax return on assets | 1.0961% | 3,101 |
| Return on Equity (ROE) | 7.8642% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.4861% | 3,729 |
| Net charge-offs to loans | 0.0118% | 4,668 |
| Credit loss provision to net charge-offs | 1,750.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 141.2222% | 382 |
| Efficiency ratio | 71.4735% | 3,294 |
| Assets per employee ($millions) | 3.7617% | 4,420 |
| Cash dividends to net income (ytd only)* | 55.6715% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 3,691 |
| Loan loss allowance to noncurrent loans | 572.7536% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 4,568 |
| Noncurrent loans to loans | 0.2192% | 5,035 |
| Net loans and leases to total assets | 66.6234% | 2,790 |
| Net loans and leases to deposits | 73.4758% | 3,500 |
| Net loans and leases to core deposits | 76.4496% | 3,658 |
| Total domestic deposits to total assets | 90.6739% | 476 |
| Equity capital to assets | 7.9309% | 6,095 |
| Core capital (leverage) ratio | 8.5235% | 5,538 |
| Tier 1 risk-based capital ratio | 12.4553% | 5,059 |
| Total risk-based capital ratio | 13.7062% | 4,983 |
| Memoranda: | ||
| Average total assets | $208,824,200 | 2,888 |
| Average earning assets | $189,009,200 | 2,916 |
| Average equity | $18,272,600 | 3,370 |
| Average total loans | $153,139,800 | 2,527 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 1,519 |
| Cost of funding earning assets | 0.4742% | 3,013 |
| Net interest margin | 4.1438% | 1,450 |
| Noninterest income to average assets | 0.5873% | 2,945 |
| Noninterest expense to average assets | 3.0773% | 2,534 |
| Loan and lease loss provision to assets | 0.2072% | 1,128 |
| Net operating income to assets | 0.7178% | 3,848 |
| Return on assets (ROA) | 0.7438% | 3,803 |
| Pretax return on assets | 1.1884% | 2,829 |
| Return on Equity (ROE) | 8.2780% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.2780% | 1,230 |
| Net charge-offs to loans | 0.0105% | 4,369 |
| Credit loss provision to net charge-offs | 2,625.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 171.6625% | 362 |
| Efficiency ratio | 69.4317% | 3,602 |
| Assets per employee ($millions) | 3.2673% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 3,958 |
| Loan loss allowance to noncurrent loans | 468.5579% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 4,287 |
| Noncurrent loans to loans | 0.2666% | 5,114 |
| Net loans and leases to total assets | 76.1147% | 1,208 |
| Net loans and leases to deposits | 85.3297% | 1,989 |
| Net loans and leases to core deposits | 90.3884% | 2,185 |
| Total domestic deposits to total assets | 89.2007% | 1,130 |
| Equity capital to assets | 9.1927% | 5,154 |
| Core capital (leverage) ratio | 9.2845% | 4,657 |
| Tier 1 risk-based capital ratio | 13.0846% | 4,807 |
| Total risk-based capital ratio | 14.3363% | 4,735 |
| Memoranda: | ||
| Average total assets | $202,723,750 | 2,983 |
| Average earning assets | $188,098,250 | 2,959 |
| Average equity | $18,216,500 | 3,391 |
| Average total loans | $152,085,000 | 2,548 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,590 |
| Cost of funding earning assets | 0.4669% | 3,139 |
| Net interest margin | 4.1109% | 1,476 |
| Noninterest income to average assets | 0.5960% | 2,838 |
| Noninterest expense to average assets | 3.0622% | 2,620 |
| Loan and lease loss provision to assets | 0.2082% | 1,145 |
| Net operating income to assets | 0.7846% | 3,404 |
| Return on assets (ROA) | 0.8161% | 3,349 |
| Pretax return on assets | 1.1870% | 2,721 |
| Return on Equity (ROE) | 9.1539% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.1539% | 935 |
| Net charge-offs to loans | -0.0227% | 5,590 |
| Credit loss provision to net charge-offs | -1,235.2941% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4089% | 3,759 |
| Assets per employee ($millions) | 3.3317% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,334 |
| Loan loss allowance to noncurrent loans | 608.9457% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 4,572 |
| Noncurrent loans to loans | 0.2002% | 5,415 |
| Net loans and leases to total assets | 74.7588% | 1,341 |
| Net loans and leases to deposits | 83.6230% | 2,069 |
| Net loans and leases to core deposits | 88.4181% | 2,269 |
| Total domestic deposits to total assets | 89.3998% | 1,154 |
| Equity capital to assets | 9.0103% | 5,291 |
| Core capital (leverage) ratio | 9.1618% | 4,802 |
| Tier 1 risk-based capital ratio | 12.8975% | 4,976 |
| Total risk-based capital ratio | 14.1481% | 4,912 |
| Memoranda: | ||
| Average total assets | $201,685,670 | 3,011 |
| Average earning assets | $187,209,330 | 2,984 |
| Average equity | $17,981,330 | 3,420 |
| Average total loans | $149,895,000 | 2,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,803 |
| Cost of funding earning assets | 0.4561% | 3,362 |
| Net interest margin | 4.0470% | 1,613 |
| Noninterest income to average assets | 0.6424% | 2,504 |
| Noninterest expense to average assets | 3.0595% | 2,657 |
| Loan and lease loss provision to assets | 0.2108% | 1,087 |
| Net operating income to assets | 0.7848% | 3,223 |
| Return on assets (ROA) | 0.7890% | 3,280 |
| Pretax return on assets | 1.1363% | 2,741 |
| Return on Equity (ROE) | 8.8984% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.8984% | 1,279 |
| Net charge-offs to loans | -0.1064% | 6,141 |
| Credit loss provision to net charge-offs | -269.2308% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5255% | 3,906 |
| Assets per employee ($millions) | 3.2870% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,444 |
| Loan loss allowance to noncurrent loans | 366.0643% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 4,421 |
| Noncurrent loans to loans | 0.3381% | 5,100 |
| Net loans and leases to total assets | 71.3782% | 1,667 |
| Net loans and leases to deposits | 79.8080% | 2,318 |
| Net loans and leases to core deposits | 84.4481% | 2,464 |
| Total domestic deposits to total assets | 89.4375% | 1,403 |
| Equity capital to assets | 8.8245% | 5,302 |
| Core capital (leverage) ratio | 9.1713% | 4,760 |
| Tier 1 risk-based capital ratio | 13.2708% | 4,842 |
| Total risk-based capital ratio | 14.5217% | 4,776 |
| Memoranda: | ||
| Average total assets | $199,247,000 | 3,060 |
| Average earning assets | $185,028,000 | 3,033 |
| Average equity | $17,666,000 | 3,459 |
| Average total loans | $146,677,500 | 2,632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,835 |
| Cost of funding earning assets | 0.5380% | 3,214 |
| Net interest margin | 4.0724% | 1,725 |
| Noninterest income to average assets | 0.6804% | 2,646 |
| Noninterest expense to average assets | 3.0788% | 2,806 |
| Loan and lease loss provision to assets | 0.2355% | 1,534 |
| Net operating income to assets | 0.7661% | 3,460 |
| Return on assets (ROA) | 0.7904% | 3,441 |
| Pretax return on assets | 1.1688% | 2,695 |
| Return on Equity (ROE) | 8.8320% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.9719% | 1,994 |
| Net charge-offs to loans | 0.8220% | 756 |
| Credit loss provision to net charge-offs | 40.9982% | 4,021 |
| Earnings coverage of net charge-offs (x) | 2.3824% | 4,216 |
| Efficiency ratio | 69.2299% | 3,970 |
| Assets per employee ($millions) | 3.1918% | 5,504 |
| Cash dividends to net income (ytd only)* | 32.3834% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 4,916 |
| Loan loss allowance to noncurrent loans | 234.1702% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 4,102 |
| Noncurrent loans to loans | 0.4909% | 4,766 |
| Net loans and leases to total assets | 74.1595% | 1,320 |
| Net loans and leases to deposits | 83.9616% | 1,950 |
| Net loans and leases to core deposits | 87.8614% | 2,259 |
| Total domestic deposits to total assets | 88.3255% | 1,991 |
| Equity capital to assets | 8.9102% | 5,142 |
| Core capital (leverage) ratio | 9.0750% | 4,899 |
| Tier 1 risk-based capital ratio | 13.0409% | 4,940 |
| Total risk-based capital ratio | 14.2659% | 4,912 |
| Memoranda: | ||
| Average total assets | $195,334,400 | 3,082 |
| Average earning assets | $180,677,600 | 3,056 |
| Average equity | $17,481,800 | 3,499 |
| Average total loans | $136,489,200 | 2,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 1,987 |
| Cost of funding earning assets | 0.5719% | 3,074 |
| Net interest margin | 3.9938% | 1,966 |
| Noninterest income to average assets | 0.6861% | 2,690 |
| Noninterest expense to average assets | 3.0159% | 2,935 |
| Loan and lease loss provision to assets | 0.2012% | 1,804 |
| Net operating income to assets | 0.9416% | 2,631 |
| Return on assets (ROA) | 0.9753% | 2,590 |
| Pretax return on assets | 1.2017% | 2,686 |
| Return on Equity (ROE) | 10.8855% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.8855% | 600 |
| Net charge-offs to loans | 0.0964% | 3,592 |
| Credit loss provision to net charge-offs | 304.1237% | 834 |
| Earnings coverage of net charge-offs (x) | 20.5774% | 1,583 |
| Efficiency ratio | 68.9000% | 3,934 |
| Assets per employee ($millions) | 3.4549% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 2,417 |
| Loan loss allowance to noncurrent loans | 146.1716% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 3,188 |
| Noncurrent loans to loans | 1.2053% | 3,410 |
| Net loans and leases to total assets | 71.8928% | 1,613 |
| Net loans and leases to deposits | 81.0034% | 2,263 |
| Net loans and leases to core deposits | 83.2091% | 2,739 |
| Total domestic deposits to total assets | 88.7527% | 1,691 |
| Equity capital to assets | 9.0957% | 5,064 |
| Core capital (leverage) ratio | 9.2623% | 4,732 |
| Tier 1 risk-based capital ratio | 13.3431% | 4,877 |
| Total risk-based capital ratio | 14.6007% | 4,805 |
| Memoranda: | ||
| Average total assets | $195,493,500 | 3,103 |
| Average earning assets | $180,674,000 | 3,092 |
| Average equity | $17,515,250 | 3,529 |
| Average total loans | $134,095,000 | 2,802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,274 |
| Cost of funding earning assets | 0.6298% | 2,683 |
| Net interest margin | 3.8504% | 2,375 |
| Noninterest income to average assets | 0.6830% | 2,726 |
| Noninterest expense to average assets | 2.9977% | 3,007 |
| Loan and lease loss provision to assets | 0.1231% | 2,786 |
| Net operating income to assets | 0.9241% | 2,680 |
| Return on assets (ROA) | 0.9815% | 2,558 |
| Pretax return on assets | 1.2071% | 2,647 |
| Return on Equity (ROE) | 11.0108% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.0108% | 641 |
| Net charge-offs to loans | -0.0061% | 5,672 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4168% | 3,748 |
| Assets per employee ($millions) | 3.2422% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,541 |
| Loan loss allowance to noncurrent loans | 95.3210% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 2,771 |
| Noncurrent loans to loans | 1.8533% | 2,558 |
| Net loans and leases to total assets | 70.4637% | 1,809 |
| Net loans and leases to deposits | 78.9464% | 2,463 |
| Net loans and leases to core deposits | 80.9493% | 2,917 |
| Total domestic deposits to total assets | 89.2551% | 1,477 |
| Equity capital to assets | 8.9595% | 5,256 |
| Core capital (leverage) ratio | 9.0150% | 4,959 |
| Tier 1 risk-based capital ratio | 13.4573% | 4,800 |
| Total risk-based capital ratio | 14.7147% | 4,751 |
| Memoranda: | ||
| Average total assets | $195,015,330 | 3,134 |
| Average earning assets | $181,018,670 | 3,101 |
| Average equity | $17,383,000 | 3,561 |
| Average total loans | $130,754,670 | 2,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,774 |
| Cost of funding earning assets | 0.6739% | 2,454 |
| Net interest margin | 3.6536% | 3,065 |
| Noninterest income to average assets | 0.6699% | 2,758 |
| Noninterest expense to average assets | 2.9213% | 3,264 |
| Loan and lease loss provision to assets | 0.1229% | 2,693 |
| Net operating income to assets | 0.7855% | 3,241 |
| Return on assets (ROA) | 0.7887% | 3,357 |
| Pretax return on assets | 1.0284% | 3,228 |
| Return on Equity (ROE) | 8.8710% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.8710% | 1,421 |
| Net charge-offs to loans | -0.0032% | 5,200 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8026% | 3,653 |
| Assets per employee ($millions) | 3.3439% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 2,398 |
| Loan loss allowance to noncurrent loans | 95.2797% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5334% | 2,961 |
| Noncurrent loans to loans | 1.9577% | 2,665 |
| Net loans and leases to total assets | 65.1572% | 2,521 |
| Net loans and leases to deposits | 73.0274% | 3,046 |
| Net loans and leases to core deposits | 74.8865% | 3,478 |
| Total domestic deposits to total assets | 89.2229% | 1,539 |
| Equity capital to assets | 9.0339% | 5,441 |
| Core capital (leverage) ratio | 8.9243% | 5,018 |
| Tier 1 risk-based capital ratio | 13.9873% | 4,511 |
| Total risk-based capital ratio | 15.2459% | 4,468 |
| Memoranda: | ||
| Average total assets | $195,258,000 | 3,155 |
| Average earning assets | $181,627,500 | 3,123 |
| Average equity | $17,360,000 | 3,608 |
| Average total loans | $126,363,000 | 2,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,394 |
| Cost of funding earning assets | 0.8616% | 2,204 |
| Net interest margin | 3.8894% | 2,875 |
| Noninterest income to average assets | 0.7234% | 2,611 |
| Noninterest expense to average assets | 3.1049% | 2,905 |
| Loan and lease loss provision to assets | 0.1873% | 3,300 |
| Net operating income to assets | 0.7051% | 3,709 |
| Return on assets (ROA) | 0.7651% | 3,688 |
| Pretax return on assets | 1.1327% | 3,042 |
| Return on Equity (ROE) | 8.8549% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.8549% | 865 |
| Net charge-offs to loans | 0.0629% | 5,063 |
| Credit loss provision to net charge-offs | 443.0380% | 548 |
| Earnings coverage of net charge-offs (x) | 29.1392% | 1,028 |
| Efficiency ratio | 71.5978% | 3,498 |
| Assets per employee ($millions) | 3.4486% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 2,327 |
| Loan loss allowance to noncurrent loans | 111.3701% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 3,477 |
| Noncurrent loans to loans | 1.6958% | 3,078 |
| Net loans and leases to total assets | 61.8676% | 3,269 |
| Net loans and leases to deposits | 69.1072% | 3,822 |
| Net loans and leases to core deposits | 70.6685% | 4,210 |
| Total domestic deposits to total assets | 89.5242% | 1,232 |
| Equity capital to assets | 8.7496% | 5,798 |
| Core capital (leverage) ratio | 8.8437% | 5,109 |
| Tier 1 risk-based capital ratio | 14.2634% | 4,192 |
| Total risk-based capital ratio | 15.5229% | 4,142 |
| Memoranda: | ||
| Average total assets | $186,896,400 | 3,208 |
| Average earning assets | $173,627,400 | 3,178 |
| Average equity | $16,149,200 | 3,754 |
| Average total loans | $125,654,800 | 2,970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 2,128 |
| Cost of funding earning assets | 0.8979% | 2,182 |
| Net interest margin | 3.9706% | 2,622 |
| Noninterest income to average assets | 0.7256% | 2,591 |
| Noninterest expense to average assets | 3.1020% | 2,885 |
| Loan and lease loss provision to assets | 0.2277% | 2,784 |
| Net operating income to assets | 0.7466% | 3,705 |
| Return on assets (ROA) | 0.7820% | 3,785 |
| Pretax return on assets | 1.1354% | 3,205 |
| Return on Equity (ROE) | 9.0807% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.0807% | 1,197 |
| Net charge-offs to loans | 0.1174% | 4,205 |
| Credit loss provision to net charge-offs | 283.7838% | 955 |
| Earnings coverage of net charge-offs (x) | 16.3509% | 1,699 |
| Efficiency ratio | 70.2800% | 3,641 |
| Assets per employee ($millions) | 3.4451% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,846 |
| Loan loss allowance to noncurrent loans | 103.1293% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5321% | 3,280 |
| Noncurrent loans to loans | 1.7308% | 3,192 |
| Net loans and leases to total assets | 66.0356% | 2,643 |
| Net loans and leases to deposits | 74.0285% | 3,280 |
| Net loans and leases to core deposits | 75.8887% | 3,739 |
| Total domestic deposits to total assets | 89.2030% | 1,311 |
| Equity capital to assets | 8.9245% | 5,899 |
| Core capital (leverage) ratio | 8.5844% | 5,644 |
| Tier 1 risk-based capital ratio | 13.1737% | 5,109 |
| Total risk-based capital ratio | 14.4305% | 5,075 |
| Memoranda: | ||
| Average total assets | $184,478,500 | 3,281 |
| Average earning assets | $171,356,500 | 3,243 |
| Average equity | $15,886,750 | 3,833 |
| Average total loans | $126,080,250 | 2,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 2,201 |
| Cost of funding earning assets | 0.9460% | 2,090 |
| Net interest margin | 3.9310% | 2,791 |
| Noninterest income to average assets | 0.7275% | 2,522 |
| Noninterest expense to average assets | 3.1037% | 2,919 |
| Loan and lease loss provision to assets | 0.2297% | 2,774 |
| Net operating income to assets | 0.7011% | 3,863 |
| Return on assets (ROA) | 0.7385% | 3,930 |
| Pretax return on assets | 1.1050% | 3,288 |
| Return on Equity (ROE) | 8.6841% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.6841% | 1,386 |
| Net charge-offs to loans | -0.0287% | 6,515 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8188% | 3,630 |
| Assets per employee ($millions) | 3.2995% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 2,880 |
| Loan loss allowance to noncurrent loans | 102.6810% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 3,513 |
| Noncurrent loans to loans | 1.7453% | 3,282 |
| Net loans and leases to total assets | 65.8039% | 2,713 |
| Net loans and leases to deposits | 73.3296% | 3,406 |
| Net loans and leases to core deposits | 74.7948% | 3,921 |
| Total domestic deposits to total assets | 89.7372% | 1,085 |
| Equity capital to assets | 8.4810% | 6,229 |
| Core capital (leverage) ratio | 8.4689% | 5,685 |
| Tier 1 risk-based capital ratio | 12.7099% | 5,412 |
| Total risk-based capital ratio | 13.9677% | 5,374 |
| Memoranda: | ||
| Average total assets | $182,812,000 | 3,314 |
| Average earning assets | $169,980,330 | 3,271 |
| Average equity | $15,545,670 | 3,878 |
| Average total loans | $125,641,330 | 3,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 2,054 |
| Cost of funding earning assets | 0.9569% | 2,258 |
| Net interest margin | 3.9982% | 2,518 |
| Noninterest income to average assets | 0.7752% | 2,273 |
| Noninterest expense to average assets | 3.1591% | 2,739 |
| Loan and lease loss provision to assets | 0.2353% | 2,586 |
| Net operating income to assets | 0.7349% | 3,712 |
| Return on assets (ROA) | 0.7349% | 3,947 |
| Pretax return on assets | 1.1068% | 3,297 |
| Return on Equity (ROE) | 8.6296% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.6296% | 1,722 |
| Net charge-offs to loans | -0.0965% | 6,771 |
| Credit loss provision to net charge-offs | -350.0000% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1842% | 3,776 |
| Assets per employee ($millions) | 3.2316% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 3,139 |
| Loan loss allowance to noncurrent loans | 102.4628% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 3,609 |
| Noncurrent loans to loans | 1.7143% | 3,542 |
| Net loans and leases to total assets | 68.1496% | 2,085 |
| Net loans and leases to deposits | 74.6720% | 3,018 |
| Net loans and leases to core deposits | 76.0774% | 3,609 |
| Total domestic deposits to total assets | 91.2653% | 446 |
| Equity capital to assets | 8.4893% | 6,090 |
| Core capital (leverage) ratio | 8.4038% | 5,735 |
| Tier 1 risk-based capital ratio | 12.5686% | 5,546 |
| Total risk-based capital ratio | 13.8266% | 5,507 |
| Memoranda: | ||
| Average total assets | $178,533,000 | 3,403 |
| Average earning assets | $166,376,500 | 3,343 |
| Average equity | $15,203,500 | 3,951 |
| Average total loans | $124,348,500 | 3,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 2,727 |
| Cost of funding earning assets | 1.2265% | 1,861 |
| Net interest margin | 3.8105% | 3,771 |
| Noninterest income to average assets | 0.6295% | 3,007 |
| Noninterest expense to average assets | 3.2961% | 2,537 |
| Loan and lease loss provision to assets | 0.0600% | 5,857 |
| Net operating income to assets | 0.5224% | 4,332 |
| Return on assets (ROA) | 0.5419% | 4,457 |
| Pretax return on assets | 0.8447% | 3,801 |
| Return on Equity (ROE) | 6.4512% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.4512% | 1,772 |
| Net charge-offs to loans | 0.0478% | 5,828 |
| Credit loss provision to net charge-offs | 178.5714% | 1,468 |
| Earnings coverage of net charge-offs (x) | 26.0357% | 952 |
| Efficiency ratio | 79.0397% | 2,441 |
| Assets per employee ($millions) | 3.0894% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 3,277 |
| Loan loss allowance to noncurrent loans | 61.4243% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 2,865 |
| Noncurrent loans to loans | 2.7362% | 2,379 |
| Net loans and leases to total assets | 68.7646% | 2,259 |
| Net loans and leases to deposits | 75.3206% | 3,289 |
| Net loans and leases to core deposits | 76.7811% | 3,862 |
| Total domestic deposits to total assets | 91.2958% | 403 |
| Equity capital to assets | 8.5430% | 6,083 |
| Core capital (leverage) ratio | 8.3552% | 5,772 |
| Tier 1 risk-based capital ratio | 12.6781% | 5,321 |
| Total risk-based capital ratio | 13.9347% | 5,299 |
| Memoranda: | ||
| Average total assets | $166,805,600 | 3,541 |
| Average earning assets | $154,992,400 | 3,491 |
| Average equity | $14,013,000 | 4,105 |
| Average total loans | $117,183,600 | 3,233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 2,780 |
| Cost of funding earning assets | 1.3006% | 1,695 |
| Net interest margin | 3.7639% | 4,042 |
| Noninterest income to average assets | 0.6088% | 3,113 |
| Noninterest expense to average assets | 3.2659% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5405% | 4,362 |
| Return on assets (ROA) | 0.5674% | 4,406 |
| Pretax return on assets | 0.8771% | 3,855 |
| Return on Equity (ROE) | 6.7851% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.7851% | 2,092 |
| Net charge-offs to loans | -0.0184% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6245% | 2,310 |
| Assets per employee ($millions) | 3.1325% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 3,255 |
| Loan loss allowance to noncurrent loans | 111.7068% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 4,330 |
| Noncurrent loans to loans | 1.5245% | 3,991 |
| Net loans and leases to total assets | 68.4131% | 2,396 |
| Net loans and leases to deposits | 74.7335% | 3,554 |
| Net loans and leases to core deposits | 76.2142% | 4,171 |
| Total domestic deposits to total assets | 91.5427% | 282 |
| Equity capital to assets | 8.2802% | 6,501 |
| Core capital (leverage) ratio | 8.1309% | 6,247 |
| Tier 1 risk-based capital ratio | 12.2719% | 5,685 |
| Total risk-based capital ratio | 13.5286% | 5,668 |
| Memoranda: | ||
| Average total assets | $164,482,500 | 3,596 |
| Average earning assets | $152,639,250 | 3,558 |
| Average equity | $13,755,250 | 4,172 |
| Average total loans | $115,688,750 | 3,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 2,980 |
| Cost of funding earning assets | 1.3597% | 1,601 |
| Net interest margin | 3.6780% | 4,368 |
| Noninterest income to average assets | 0.5733% | 3,307 |
| Noninterest expense to average assets | 3.3432% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4381% | 4,778 |
| Return on assets (ROA) | 0.4571% | 4,817 |
| Pretax return on assets | 0.6808% | 4,462 |
| Return on Equity (ROE) | 5.4472% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.4472% | 2,716 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6735% | 1,860 |
| Assets per employee ($millions) | 3.0040% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 3,296 |
| Loan loss allowance to noncurrent loans | 105.5758% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 4,270 |
| Noncurrent loans to loans | 1.6174% | 3,970 |
| Net loans and leases to total assets | 69.3252% | 2,355 |
| Net loans and leases to deposits | 75.6734% | 3,534 |
| Net loans and leases to core deposits | 77.3441% | 4,143 |
| Total domestic deposits to total assets | 91.6111% | 324 |
| Equity capital to assets | 8.2242% | 6,498 |
| Core capital (leverage) ratio | 8.1058% | 6,161 |
| Tier 1 risk-based capital ratio | 12.1660% | 5,649 |
| Total risk-based capital ratio | 13.4234% | 5,621 |
| Memoranda: | ||
| Average total assets | $161,880,000 | 3,654 |
| Average earning assets | $150,626,330 | 3,620 |
| Average equity | $13,585,000 | 4,202 |
| Average total loans | $114,281,330 | 3,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 3,188 |
| Cost of funding earning assets | 1.3680% | 1,781 |
| Net interest margin | 3.6136% | 4,510 |
| Noninterest income to average assets | 0.5469% | 3,532 |
| Noninterest expense to average assets | 3.3243% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4121% | 4,893 |
| Return on assets (ROA) | 0.4209% | 4,941 |
| Pretax return on assets | 0.5973% | 4,695 |
| Return on Equity (ROE) | 4.9629% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.9629% | 3,221 |
| Net charge-offs to loans | -0.0143% | 6,460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0419% | 1,837 |
| Assets per employee ($millions) | 2.9784% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 3,028 |
| Loan loss allowance to noncurrent loans | 81.6901% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 3,702 |
| Noncurrent loans to loans | 2.1966% | 3,324 |
| Net loans and leases to total assets | 67.8223% | 2,589 |
| Net loans and leases to deposits | 74.0999% | 3,744 |
| Net loans and leases to core deposits | 75.7851% | 4,325 |
| Total domestic deposits to total assets | 91.5281% | 410 |
| Equity capital to assets | 8.2680% | 6,200 |
| Core capital (leverage) ratio | 8.4907% | 5,472 |
| Tier 1 risk-based capital ratio | 12.3970% | 5,356 |
| Total risk-based capital ratio | 13.6552% | 5,334 |
| Memoranda: | ||
| Average total assets | $158,708,500 | 3,731 |
| Average earning assets | $147,663,500 | 3,682 |
| Average equity | $13,460,000 | 4,226 |
| Average total loans | $112,098,500 | 3,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 3,026 |
| Cost of funding earning assets | 1.5583% | 2,312 |
| Net interest margin | 3.7625% | 4,096 |
| Noninterest income to average assets | 0.6997% | 2,843 |
| Noninterest expense to average assets | 3.6372% | 1,828 |
| Loan and lease loss provision to assets | -0.1343% | 7,612 |
| Net operating income to assets | 0.4385% | 4,371 |
| Return on assets (ROA) | 0.4743% | 4,373 |
| Pretax return on assets | 0.7563% | 3,778 |
| Return on Equity (ROE) | 5.6660% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.6660% | 2,006 |
| Net charge-offs to loans | -0.2132% | 7,545 |
| Credit loss provision to net charge-offs | 85.5856% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5310% | 1,627 |
| Assets per employee ($millions) | 2.8982% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 2,782 |
| Loan loss allowance to noncurrent loans | 114.2052% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3528% | 4,312 |
| Noncurrent loans to loans | 1.5972% | 4,103 |
| Net loans and leases to total assets | 70.9873% | 2,308 |
| Net loans and leases to deposits | 77.8924% | 3,528 |
| Net loans and leases to core deposits | 78.6441% | 4,379 |
| Total domestic deposits to total assets | 91.1351% | 540 |
| Equity capital to assets | 8.7080% | 5,572 |
| Core capital (leverage) ratio | 8.5511% | 5,274 |
| Tier 1 risk-based capital ratio | 12.9859% | 4,607 |
| Total risk-based capital ratio | 14.2453% | 4,571 |
| Memoranda: | ||
| Average total assets | $141,480,800 | 4,032 |
| Average earning assets | $131,747,000 | 3,977 |
| Average equity | $11,842,600 | 4,656 |
| Average total loans | $104,132,000 | 3,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 2,979 |
| Cost of funding earning assets | 1.5884% | 2,453 |
| Net interest margin | 3.7906% | 4,007 |
| Noninterest income to average assets | 0.7117% | 2,754 |
| Noninterest expense to average assets | 3.5661% | 1,862 |
| Loan and lease loss provision to assets | -0.1830% | 7,714 |
| Net operating income to assets | 0.5287% | 4,188 |
| Return on assets (ROA) | 0.5749% | 4,146 |
| Pretax return on assets | 0.9216% | 3,484 |
| Return on Equity (ROE) | 6.9462% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.9462% | 1,885 |
| Net charge-offs to loans | -0.2891% | 7,645 |
| Credit loss provision to net charge-offs | 85.5856% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2548% | 1,805 |
| Assets per employee ($millions) | 3.0324% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 2,639 |
| Loan loss allowance to noncurrent loans | 93.8397% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6596% | 3,954 |
| Noncurrent loans to loans | 1.9675% | 3,724 |
| Net loans and leases to total assets | 72.4866% | 2,133 |
| Net loans and leases to deposits | 79.0240% | 3,630 |
| Net loans and leases to core deposits | 79.8063% | 4,547 |
| Total domestic deposits to total assets | 91.7273% | 249 |
| Equity capital to assets | 8.0553% | 6,753 |
| Core capital (leverage) ratio | 7.7467% | 6,628 |
| Tier 1 risk-based capital ratio | 11.5015% | 5,932 |
| Total risk-based capital ratio | 12.7620% | 5,908 |
| Memoranda: | ||
| Average total assets | $138,449,750 | 4,137 |
| Average earning assets | $128,597,000 | 4,096 |
| Average equity | $11,459,250 | 4,819 |
| Average total loans | $102,398,500 | 3,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 2,900 |
| Cost of funding earning assets | 1.6231% | 2,526 |
| Net interest margin | 3.7941% | 3,921 |
| Noninterest income to average assets | 0.7359% | 2,474 |
| Noninterest expense to average assets | 3.5937% | 1,797 |
| Loan and lease loss provision to assets | -0.2813% | 7,791 |
| Net operating income to assets | 0.5829% | 3,941 |
| Return on assets (ROA) | 0.6530% | 3,769 |
| Pretax return on assets | 1.0498% | 2,934 |
| Return on Equity (ROE) | 7.8127% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.8127% | 1,505 |
| Net charge-offs to loans | -0.3962% | 7,713 |
| Credit loss provision to net charge-offs | 95.9596% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5056% | 1,862 |
| Assets per employee ($millions) | 2.8364% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,315 |
| Loan loss allowance to noncurrent loans | 89.1759% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 3,685 |
| Noncurrent loans to loans | 2.1806% | 3,498 |
| Net loans and leases to total assets | 72.6357% | 2,245 |
| Net loans and leases to deposits | 79.4916% | 3,692 |
| Net loans and leases to core deposits | 80.3329% | 4,652 |
| Total domestic deposits to total assets | 91.3753% | 362 |
| Equity capital to assets | 8.4305% | 6,250 |
| Core capital (leverage) ratio | 8.0553% | 6,190 |
| Tier 1 risk-based capital ratio | 11.9337% | 5,368 |
| Total risk-based capital ratio | 13.1948% | 5,328 |
| Memoranda: | ||
| Average total assets | $135,071,000 | 4,237 |
| Average earning assets | $125,194,000 | 4,205 |
| Average equity | $11,289,330 | 4,855 |
| Average total loans | $99,954,330 | 3,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 2,876 |
| Cost of funding earning assets | 1.6540% | 2,626 |
| Net interest margin | 3.7825% | 3,865 |
| Noninterest income to average assets | 0.7602% | 2,233 |
| Noninterest expense to average assets | 3.6029% | 1,729 |
| Loan and lease loss provision to assets | -0.5709% | 7,905 |
| Net operating income to assets | 0.6724% | 3,560 |
| Return on assets (ROA) | 0.7032% | 3,541 |
| Pretax return on assets | 1.2741% | 2,126 |
| Return on Equity (ROE) | 8.4511% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.4511% | 1,549 |
| Net charge-offs to loans | -0.5282% | 7,804 |
| Credit loss provision to net charge-offs | 146.1538% | 2,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,962 |
| Assets per employee ($millions) | 2.7912% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 2,358 |
| Loan loss allowance to noncurrent loans | 89.9117% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8169% | 3,760 |
| Noncurrent loans to loans | 2.1482% | 3,590 |
| Net loans and leases to total assets | 71.7974% | 2,501 |
| Net loans and leases to deposits | 78.4348% | 3,959 |
| Net loans and leases to core deposits | 79.2731% | 4,855 |
| Total domestic deposits to total assets | 91.5377% | 362 |
| Equity capital to assets | 8.1794% | 6,458 |
| Core capital (leverage) ratio | 8.0031% | 6,235 |
| Tier 1 risk-based capital ratio | 11.8932% | 5,304 |
| Total risk-based capital ratio | 13.1549% | 5,245 |
| Memoranda: | ||
| Average total assets | $133,114,500 | 4,340 |
| Average earning assets | $123,092,500 | 4,300 |
| Average equity | $11,075,500 | 4,959 |
| Average total loans | $98,454,500 | 4,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 1,983 |
| Cost of funding earning assets | 1.8730% | 3,608 |
| Net interest margin | 4.0983% | 2,457 |
| Noninterest income to average assets | 0.7093% | 2,902 |
| Noninterest expense to average assets | 3.9759% | 1,392 |
| Loan and lease loss provision to assets | -0.3308% | 8,002 |
| Net operating income to assets | 0.5561% | 3,498 |
| Return on assets (ROA) | 0.5615% | 3,559 |
| Pretax return on assets | 0.8448% | 3,100 |
| Return on Equity (ROE) | 6.7933% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.7933% | 1,038 |
| Net charge-offs to loans | -0.6682% | 7,955 |
| Credit loss provision to net charge-offs | 60.9682% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7159% | 1,822 |
| Assets per employee ($millions) | 2.4896% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,889 |
| Loan loss allowance to noncurrent loans | 83.6409% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3830% | 2,920 |
| Noncurrent loans to loans | 2.4634% | 3,087 |
| Net loans and leases to total assets | 73.2153% | 2,443 |
| Net loans and leases to deposits | 80.2335% | 3,950 |
| Net loans and leases to core deposits | 92.7372% | 4,807 |
| Total domestic deposits to total assets | 91.2528% | 453 |
| Equity capital to assets | 8.4692% | 5,929 |
| Core capital (leverage) ratio | 7.9306% | 6,287 |
| Tier 1 risk-based capital ratio | 12.1197% | 4,837 |
| Total risk-based capital ratio | 13.3828% | 4,795 |
| Memoranda: | ||
| Average total assets | $121,809,800 | 4,517 |
| Average earning assets | $112,119,200 | 4,508 |
| Average equity | $10,068,800 | 5,280 |
| Average total loans | $98,920,400 | 3,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0350% | 1,899 |
| Cost of funding earning assets | 1.8835% | 3,966 |
| Net interest margin | 4.1515% | 2,208 |
| Noninterest income to average assets | 0.6995% | 3,017 |
| Noninterest expense to average assets | 3.9221% | 1,399 |
| Loan and lease loss provision to assets | -0.2813% | 8,085 |
| Net operating income to assets | 0.5787% | 3,686 |
| Return on assets (ROA) | 0.5860% | 3,718 |
| Pretax return on assets | 0.8885% | 3,265 |
| Return on Equity (ROE) | 7.1371% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.1371% | 1,450 |
| Net charge-offs to loans | -0.9947% | 8,039 |
| Credit loss provision to net charge-offs | 34.0970% | 6,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8078% | 1,980 |
| Assets per employee ($millions) | 2.6033% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 1,413 |
| Loan loss allowance to noncurrent loans | 97.5449% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 2.4623% | 2,793 |
| Noncurrent loans to loans | 2.2590% | 3,314 |
| Net loans and leases to total assets | 75.8641% | 2,018 |
| Net loans and leases to deposits | 83.1113% | 3,810 |
| Net loans and leases to core deposits | 101.1534% | 4,250 |
| Total domestic deposits to total assets | 91.2802% | 310 |
| Equity capital to assets | 8.3165% | 6,485 |
| Core capital (leverage) ratio | 8.1584% | 6,086 |
| Tier 1 risk-based capital ratio | 11.5097% | 5,417 |
| Total risk-based capital ratio | 12.7747% | 5,359 |
| Memoranda: | ||
| Average total assets | $119,897,750 | 4,596 |
| Average earning assets | $110,287,000 | 4,582 |
| Average equity | $9,845,000 | 5,381 |
| Average total loans | $99,456,250 | 4,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 1,669 |
| Cost of funding earning assets | 1.9114% | 4,206 |
| Net interest margin | 4.2238% | 1,903 |
| Noninterest income to average assets | 0.6199% | 3,541 |
| Noninterest expense to average assets | 3.9802% | 1,346 |
| Loan and lease loss provision to assets | -0.4344% | 8,183 |
| Net operating income to assets | 0.7322% | 3,128 |
| Return on assets (ROA) | 0.7452% | 3,173 |
| Pretax return on assets | 0.9805% | 3,084 |
| Return on Equity (ROE) | 9.1192% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.1192% | 908 |
| Net charge-offs to loans | -1.5806% | 8,134 |
| Credit loss provision to net charge-offs | 32.3529% | 6,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2711% | 1,982 |
| Assets per employee ($millions) | 2.3946% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 1,151 |
| Loan loss allowance to noncurrent loans | 96.0967% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 2.5253% | 2,550 |
| Noncurrent loans to loans | 2.3521% | 3,078 |
| Net loans and leases to total assets | 80.1988% | 1,277 |
| Net loans and leases to deposits | 87.4123% | 3,279 |
| Net loans and leases to core deposits | 109.7426% | 3,401 |
| Total domestic deposits to total assets | 91.7477% | 258 |
| Equity capital to assets | 7.9427% | 6,814 |
| Core capital (leverage) ratio | 7.8409% | 6,561 |
| Tier 1 risk-based capital ratio | 10.3635% | 6,518 |
| Total risk-based capital ratio | 11.6295% | 6,437 |
| Memoranda: | ||
| Average total assets | $116,476,000 | 4,719 |
| Average earning assets | $107,250,330 | 4,696 |
| Average equity | $9,518,330 | 5,509 |
| Average total loans | $98,951,000 | 4,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2155% | 1,553 |
| Cost of funding earning assets | 1.9815% | 4,229 |
| Net interest margin | 4.2340% | 1,793 |
| Noninterest income to average assets | 0.3695% | 5,465 |
| Noninterest expense to average assets | 3.8011% | 1,469 |
| Loan and lease loss provision to assets | -0.5279% | 8,230 |
| Net operating income to assets | 1.2037% | 1,643 |
| Return on assets (ROA) | 1.2389% | 1,642 |
| Pretax return on assets | 1.0347% | 3,228 |
| Return on Equity (ROE) | 14.9350% | 989 |
| Retained earnings to average equity (ytd only) | 14.9350% | 424 |
| Net charge-offs to loans | -3.3034% | 8,184 |
| Credit loss provision to net charge-offs | 18.4729% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9621% | 1,809 |
| Assets per employee ($millions) | 2.2471% | 7,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4216% | 825 |
| Loan loss allowance to noncurrent loans | 96.3439% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 2.4467% | 2,342 |
| Noncurrent loans to loans | 2.5135% | 2,622 |
| Net loans and leases to total assets | 84.3162% | 640 |
| Net loans and leases to deposits | 92.3150% | 2,544 |
| Net loans and leases to core deposits | 119.1497% | 2,493 |
| Total domestic deposits to total assets | 91.3352% | 314 |
| Equity capital to assets | 8.3917% | 6,244 |
| Core capital (leverage) ratio | 8.0545% | 6,373 |
| Tier 1 risk-based capital ratio | 10.7213% | 6,165 |
| Total risk-based capital ratio | 11.9908% | 6,055 |
| Memoranda: | ||
| Average total assets | $113,652,000 | 4,808 |
| Average earning assets | $104,771,000 | 4,779 |
| Average equity | $9,427,500 | 5,557 |
| Average total loans | $98,323,000 | 4,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7340% | 1,919 |
| Cost of funding earning assets | 2.4095% | 4,681 |
| Net interest margin | 4.3245% | 1,904 |
| Noninterest income to average assets | 0.9439% | 1,797 |
| Noninterest expense to average assets | 4.5631% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1211% | 6,053 |
| Return on assets (ROA) | 0.1288% | 5,872 |
| Pretax return on assets | 0.3381% | 5,422 |
| Return on Equity (ROE) | 1.5208% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.5208% | 4,312 |
| Net charge-offs to loans | 0.3272% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.1733% | 5,538 |
| Efficiency ratio | 93.3308% | 1,305 |
| Assets per employee ($millions) | 2.3000% | 7,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 1,682 |
| Loan loss allowance to noncurrent loans | 78.6588% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.2928% | 2,124 |
| Noncurrent loans to loans | 2.2608% | 2,439 |
| Net loans and leases to total assets | 85.0775% | 725 |
| Net loans and leases to deposits | 96.5940% | 2,355 |
| Net loans and leases to core deposits | 121.4675% | 2,558 |
| Total domestic deposits to total assets | 88.0774% | 1,438 |
| Equity capital to assets | 8.1968% | 6,560 |
| Core capital (leverage) ratio | 7.9184% | 6,622 |
| Tier 1 risk-based capital ratio | 10.4572% | 6,251 |
| Total risk-based capital ratio | 11.7179% | 6,121 |
| Memoranda: | ||
| Average total assets | $107,951,800 | 4,833 |
| Average earning assets | $98,486,000 | 4,852 |
| Average equity | $9,140,000 | 5,693 |
| Average total loans | $91,677,200 | 4,169 |