Home > FirstBank Southwest > Performance and Condition Ratios
FirstBank Southwest, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1311% | 1,017 |
| Cost of funding earning assets | 2.5263% | 820 |
| Net interest margin | 3.6049% | 2,075 |
| Noninterest income to average assets | 0.5600% | 1,482 |
| Noninterest expense to average assets | 2.6143% | 1,989 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.3171% | 1,438 |
| Return on assets (ROA) | 1.3171% | 1,436 |
| Pretax return on assets | 1.3171% | 1,922 |
| Return on Equity (ROE) | 16.5000% | 822 |
| Retained earnings to average equity (ytd only) | 10.5934% | 1,058 |
| Net charge-offs to loans | 0.0490% | 1,173 |
| Credit loss provision to net charge-offs | 169.0909% | 976 |
| Earnings coverage of net charge-offs (x) | 38.9394% | 1,107 |
| Efficiency ratio | 63.1658% | 2,578 |
| Assets per employee ($millions) | 7.8377% | 1,676 |
| Cash dividends to net income (ytd only)* | 35.7956% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,353 |
| Loan loss allowance to noncurrent loans | 458.7500% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 2,143 |
| Noncurrent loans to loans | 0.2549% | 2,587 |
| Net loans and leases to total assets | 70.6000% | 1,769 |
| Net loans and leases to deposits | 81.0924% | 1,962 |
| Net loans and leases to core deposits | 108.2692% | 924 |
| Total domestic deposits to total assets | 87.0600% | 1,891 |
| Equity capital to assets | 8.1042% | 3,535 |
| Core capital (leverage) ratio | 10.4115% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4792% | 2,048 |
| Memoranda: | ||
| Average total assets | $1,866,508,500 | 627 |
| Average earning assets | $1,776,375,500 | 607 |
| Average equity | $148,998,000 | 754 |
| Average total loans | $1,347,451,000 | 613 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3384% | 876 |
| Cost of funding earning assets | 2.8159% | 678 |
| Net interest margin | 3.5225% | 2,030 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.4971% | 2,319 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.2980% | 1,298 |
| Return on assets (ROA) | 1.2980% | 1,304 |
| Pretax return on assets | 1.2980% | 1,763 |
| Return on Equity (ROE) | 16.5500% | 721 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,029 |
| Net charge-offs to loans | 0.1529% | 858 |
| Credit loss provision to net charge-offs | 128.5215% | 1,576 |
| Earnings coverage of net charge-offs (x) | 12.8701% | 2,141 |
| Efficiency ratio | 63.3922% | 2,783 |
| Assets per employee ($millions) | 7.8103% | 1,647 |
| Cash dividends to net income (ytd only)* | 50.0151% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,013 |
| Loan loss allowance to noncurrent loans | 435.5152% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 2,005 |
| Noncurrent loans to loans | 0.2827% | 2,412 |
| Net loans and leases to total assets | 72.1000% | 1,657 |
| Net loans and leases to deposits | 82.6848% | 1,895 |
| Net loans and leases to core deposits | 108.1426% | 1,015 |
| Total domestic deposits to total assets | 87.2000% | 1,800 |
| Equity capital to assets | 7.8622% | 3,591 |
| Core capital (leverage) ratio | 10.4522% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3813% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,786,810,200 | 640 |
| Average earning assets | $1,696,809,200 | 619 |
| Average equity | $140,103,200 | 774 |
| Average total loans | $1,309,306,000 | 615 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3174% | 861 |
| Cost of funding earning assets | 2.8402% | 661 |
| Net interest margin | 3.4772% | 2,082 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.4820% | 2,310 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.2669% | 1,383 |
| Return on assets (ROA) | 1.2669% | 1,379 |
| Pretax return on assets | 1.2669% | 1,846 |
| Return on Equity (ROE) | 16.1700% | 800 |
| Retained earnings to average equity (ytd only) | 12.8089% | 406 |
| Net charge-offs to loans | 0.1588% | 714 |
| Credit loss provision to net charge-offs | 125.3066% | 1,456 |
| Earnings coverage of net charge-offs (x) | 12.1272% | 2,045 |
| Efficiency ratio | 63.7250% | 2,747 |
| Assets per employee ($millions) | 7.5666% | 1,765 |
| Cash dividends to net income (ytd only)* | 20.7789% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 1,924 |
| Loan loss allowance to noncurrent loans | 386.4183% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 1,776 |
| Noncurrent loans to loans | 0.3242% | 2,300 |
| Net loans and leases to total assets | 71.1300% | 1,714 |
| Net loans and leases to deposits | 82.4669% | 1,938 |
| Net loans and leases to core deposits | 111.3769% | 877 |
| Total domestic deposits to total assets | 86.2600% | 1,841 |
| Equity capital to assets | 8.5177% | 3,393 |
| Core capital (leverage) ratio | 10.6811% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7589% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,772,704,500 | 634 |
| Average earning assets | $1,682,882,250 | 618 |
| Average equity | $138,899,500 | 774 |
| Average total loans | $1,300,237,500 | 612 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3049% | 808 |
| Cost of funding earning assets | 2.8298% | 617 |
| Net interest margin | 3.4751% | 2,017 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.5071% | 2,222 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.1966% | 1,478 |
| Return on assets (ROA) | 1.1966% | 1,478 |
| Pretax return on assets | 1.1966% | 1,934 |
| Return on Equity (ROE) | 15.7400% | 871 |
| Retained earnings to average equity (ytd only) | 13.4990% | 400 |
| Net charge-offs to loans | 0.1621% | 640 |
| Credit loss provision to net charge-offs | 162.3574% | 1,156 |
| Earnings coverage of net charge-offs (x) | 11.6236% | 1,924 |
| Efficiency ratio | 64.3176% | 2,734 |
| Assets per employee ($millions) | 7.5245% | 1,720 |
| Cash dividends to net income (ytd only)* | 14.2586% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,003 |
| Loan loss allowance to noncurrent loans | 230.7831% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,547 |
| Noncurrent loans to loans | 0.5406% | 1,659 |
| Net loans and leases to total assets | 75.1800% | 1,270 |
| Net loans and leases to deposits | 87.3104% | 1,540 |
| Net loans and leases to core deposits | 117.2612% | 715 |
| Total domestic deposits to total assets | 86.1100% | 1,945 |
| Equity capital to assets | 7.9540% | 3,459 |
| Core capital (leverage) ratio | 10.4869% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2665% | 2,143 |
| Memoranda: | ||
| Average total assets | $1,758,281,667 | 645 |
| Average earning assets | $1,667,965,000 | 624 |
| Average equity | $133,639,667 | 793 |
| Average total loans | $1,297,605,000 | 618 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1269% | 912 |
| Cost of funding earning assets | 2.7557% | 652 |
| Net interest margin | 3.3712% | 2,181 |
| Noninterest income to average assets | 0.6200% | 1,289 |
| Noninterest expense to average assets | 2.4689% | 2,328 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.1938% | 1,457 |
| Return on assets (ROA) | 1.1938% | 1,459 |
| Pretax return on assets | 1.1938% | 1,907 |
| Return on Equity (ROE) | 16.0800% | 832 |
| Retained earnings to average equity (ytd only) | 16.0784% | 360 |
| Net charge-offs to loans | 0.2202% | 409 |
| Credit loss provision to net charge-offs | 94.4602% | 1,200 |
| Earnings coverage of net charge-offs (x) | 8.4091% | 1,711 |
| Efficiency ratio | 64.7367% | 2,716 |
| Assets per employee ($millions) | 7.4938% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,025 |
| Loan loss allowance to noncurrent loans | 305.3578% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,924 |
| Noncurrent loans to loans | 0.4083% | 1,914 |
| Net loans and leases to total assets | 71.7800% | 1,584 |
| Net loans and leases to deposits | 81.2353% | 1,948 |
| Net loans and leases to core deposits | 108.0574% | 1,023 |
| Total domestic deposits to total assets | 88.3600% | 1,298 |
| Equity capital to assets | 7.4588% | 3,700 |
| Core capital (leverage) ratio | 10.3675% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3103% | 2,141 |
| Memoranda: | ||
| Average total assets | $1,760,817,500 | 656 |
| Average earning assets | $1,670,147,000 | 636 |
| Average equity | $130,734,500 | 810 |
| Average total loans | $1,279,044,500 | 620 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0179% | 36 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 165,471.0000% | 13 |
| Cost of funding earning assets | 2,609.0000% | 5 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2908% | 1,423 |
| Pretax return on assets | 1.2908% | 1,894 |
| Return on Equity (ROE) | 19.4400% | 666 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0084% | 2,351 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.5425% | 2,810 |
| Efficiency ratio | 2.8400% | 4,573 |
| Assets per employee ($millions) | 0.0778% | 4,563 |
| Cash dividends to net income (ytd only)* | 72.0000% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 72 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 29,571.0000% | 5 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 41,397.0000% | 18 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,626,000 | 4,596 |
| Average earning assets | $6,476 | 4,565 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 917 |
| Cost of funding earning assets | 2.2820% | 424 |
| Net interest margin | 3.3060% | 2,671 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4229% | 2,456 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.0951% | 2,072 |
| Return on assets (ROA) | 1.0951% | 2,055 |
| Pretax return on assets | 1.0951% | 2,578 |
| Return on Equity (ROE) | 17.0000% | 1,076 |
| Retained earnings to average equity (ytd only) | 17.0016% | 391 |
| Net charge-offs to loans | 0.1097% | 728 |
| Credit loss provision to net charge-offs | 205.4809% | 1,099 |
| Earnings coverage of net charge-offs (x) | 16.2141% | 1,938 |
| Efficiency ratio | 65.8945% | 2,292 |
| Assets per employee ($millions) | 7.6170% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,191 |
| Loan loss allowance to noncurrent loans | 342.1181% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 1,976 |
| Noncurrent loans to loans | 0.3610% | 1,936 |
| Net loans and leases to total assets | 70.9400% | 1,708 |
| Net loans and leases to deposits | 86.2310% | 1,543 |
| Net loans and leases to core deposits | 105.3186% | 1,050 |
| Total domestic deposits to total assets | 82.2700% | 3,163 |
| Equity capital to assets | 6.2577% | 3,906 |
| Core capital (leverage) ratio | 9.7977% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7173% | 2,379 |
| Memoranda: | ||
| Average total assets | $1,667,006,500 | 663 |
| Average earning assets | $1,585,906,000 | 640 |
| Average equity | $107,375,250 | 897 |
| Average total loans | $1,175,522,250 | 643 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 902 |
| Cost of funding earning assets | 2.0694% | 428 |
| Net interest margin | 3.3787% | 2,574 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3689% | 2,598 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.2236% | 1,765 |
| Return on assets (ROA) | 1.2236% | 1,757 |
| Pretax return on assets | 1.2236% | 2,305 |
| Return on Equity (ROE) | 18.8100% | 853 |
| Retained earnings to average equity (ytd only) | 18.8064% | 297 |
| Net charge-offs to loans | 0.1522% | 512 |
| Credit loss provision to net charge-offs | 146.0571% | 1,212 |
| Earnings coverage of net charge-offs (x) | 12.9360% | 1,920 |
| Efficiency ratio | 63.2010% | 2,572 |
| Assets per employee ($millions) | 7.5550% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,464 |
| Loan loss allowance to noncurrent loans | 631.4067% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,597 |
| Noncurrent loans to loans | 0.1894% | 2,520 |
| Net loans and leases to total assets | 70.9500% | 1,641 |
| Net loans and leases to deposits | 86.9633% | 1,427 |
| Net loans and leases to core deposits | 107.2107% | 941 |
| Total domestic deposits to total assets | 81.5900% | 3,314 |
| Equity capital to assets | 6.4406% | 4,017 |
| Core capital (leverage) ratio | 9.8922% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6103% | 2,429 |
| Memoranda: | ||
| Average total assets | $1,641,244,333 | 659 |
| Average earning assets | $1,562,379,333 | 638 |
| Average equity | $106,783,000 | 894 |
| Average total loans | $1,149,718,667 | 641 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 963 |
| Cost of funding earning assets | 1.7513% | 497 |
| Net interest margin | 3.4411% | 2,524 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.3236% | 2,755 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.4216% | 1,347 |
| Return on assets (ROA) | 1.4216% | 1,320 |
| Pretax return on assets | 1.4216% | 1,831 |
| Return on Equity (ROE) | 21.7300% | 603 |
| Retained earnings to average equity (ytd only) | 21.7307% | 298 |
| Net charge-offs to loans | 0.0069% | 1,696 |
| Credit loss provision to net charge-offs | 1,626.3158% | 245 |
| Earnings coverage of net charge-offs (x) | 314.9474% | 356 |
| Efficiency ratio | 60.7864% | 2,845 |
| Assets per employee ($millions) | 7.2333% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,044 |
| Loan loss allowance to noncurrent loans | 500.4752% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,239 |
| Noncurrent loans to loans | 0.2594% | 2,218 |
| Net loans and leases to total assets | 69.1800% | 1,706 |
| Net loans and leases to deposits | 78.2802% | 1,941 |
| Net loans and leases to core deposits | 95.2788% | 1,321 |
| Total domestic deposits to total assets | 88.3800% | 1,783 |
| Equity capital to assets | 6.6400% | 3,984 |
| Core capital (leverage) ratio | 10.0842% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4711% | 2,191 |
| Memoranda: | ||
| Average total assets | $1,596,817,000 | 689 |
| Average earning assets | $1,520,890,500 | 663 |
| Average equity | $104,460,500 | 918 |
| Average total loans | $1,103,390,000 | 668 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 1,142 |
| Cost of funding earning assets | 0.5871% | 955 |
| Net interest margin | 3.6734% | 1,444 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.4357% | 2,318 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.5779% | 724 |
| Return on assets (ROA) | 1.5779% | 694 |
| Pretax return on assets | 1.5779% | 1,217 |
| Return on Equity (ROE) | 23.9400% | 247 |
| Retained earnings to average equity (ytd only) | 12.1040% | 648 |
| Net charge-offs to loans | -0.0426% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5635% | 3,255 |
| Assets per employee ($millions) | 7.3868% | 1,695 |
| Cash dividends to net income (ytd only)* | 49.4475% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,129 |
| Loan loss allowance to noncurrent loans | 400.9262% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 2,093 |
| Noncurrent loans to loans | 0.3125% | 2,031 |
| Net loans and leases to total assets | 67.2200% | 1,907 |
| Net loans and leases to deposits | 74.1701% | 2,246 |
| Net loans and leases to core deposits | 86.2566% | 1,732 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 6.4407% | 3,920 |
| Core capital (leverage) ratio | 10.0159% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6950% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,473,879,600 | 712 |
| Average earning assets | $1,403,105,800 | 689 |
| Average equity | $97,133,000 | 966 |
| Average total loans | $931,556,600 | 729 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 1,181 |
| Cost of funding earning assets | 0.3826% | 1,418 |
| Net interest margin | 3.6584% | 1,249 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.4646% | 2,114 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.5209% | 806 |
| Return on assets (ROA) | 1.5209% | 784 |
| Pretax return on assets | 1.5209% | 1,355 |
| Return on Equity (ROE) | 22.9400% | 256 |
| Retained earnings to average equity (ytd only) | 14.0557% | 455 |
| Net charge-offs to loans | -0.0622% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.9834% | 3,115 |
| Assets per employee ($millions) | 7.2041% | 1,807 |
| Cash dividends to net income (ytd only)* | 38.7198% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,340 |
| Loan loss allowance to noncurrent loans | 438.9024% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,356 |
| Noncurrent loans to loans | 0.2818% | 2,246 |
| Net loans and leases to total assets | 65.4400% | 1,939 |
| Net loans and leases to deposits | 73.0301% | 2,125 |
| Net loans and leases to core deposits | 84.0696% | 1,648 |
| Total domestic deposits to total assets | 89.6100% | 1,824 |
| Equity capital to assets | 5.4342% | 4,150 |
| Core capital (leverage) ratio | 9.0381% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4887% | 2,657 |
| Memoranda: | ||
| Average total assets | $1,449,004,750 | 727 |
| Average earning assets | $1,379,659,750 | 702 |
| Average equity | $96,082,250 | 983 |
| Average total loans | $896,667,500 | 750 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 1,344 |
| Cost of funding earning assets | 0.2631% | 2,111 |
| Net interest margin | 3.5249% | 1,248 |
| Noninterest income to average assets | 0.6297% | 1,620 |
| Noninterest expense to average assets | 2.4792% | 1,999 |
| Loan and lease loss provision to assets | 0.0756% | 1,276 |
| Net operating income to assets | 1.4327% | 830 |
| Return on assets (ROA) | 1.4327% | 813 |
| Pretax return on assets | 1.4327% | 1,351 |
| Return on Equity (ROE) | 20.2808% | 291 |
| Retained earnings to average equity (ytd only) | 13.0940% | 456 |
| Net charge-offs to loans | -0.0870% | 4,405 |
| Credit loss provision to net charge-offs | -144.0860% | 3,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1737% | 3,026 |
| Assets per employee ($millions) | 6.9689% | 1,959 |
| Cash dividends to net income (ytd only)* | 35.4366% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,269 |
| Loan loss allowance to noncurrent loans | 435.0683% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,418 |
| Noncurrent loans to loans | 0.2948% | 2,285 |
| Net loans and leases to total assets | 62.5722% | 2,058 |
| Net loans and leases to deposits | 68.0918% | 2,386 |
| Net loans and leases to core deposits | 77.7623% | 1,869 |
| Total domestic deposits to total assets | 91.8939% | 881 |
| Equity capital to assets | 6.0184% | 4,195 |
| Core capital (leverage) ratio | 9.3918% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1484% | 2,434 |
| Memoranda: | ||
| Average total assets | $1,418,114,000 | 733 |
| Average earning assets | $1,350,884,667 | 713 |
| Average equity | $100,183,667 | 967 |
| Average total loans | $855,048,000 | 766 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 1,423 |
| Cost of funding earning assets | 0.2152% | 2,598 |
| Net interest margin | 3.4164% | 1,266 |
| Noninterest income to average assets | 0.6035% | 1,678 |
| Noninterest expense to average assets | 2.4960% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3637% | 873 |
| Return on assets (ROA) | 1.3637% | 862 |
| Pretax return on assets | 1.3637% | 1,347 |
| Return on Equity (ROE) | 17.9305% | 349 |
| Retained earnings to average equity (ytd only) | 12.6800% | 504 |
| Net charge-offs to loans | -0.1915% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6689% | 2,952 |
| Assets per employee ($millions) | 6.7912% | 2,153 |
| Cash dividends to net income (ytd only)* | 29.2826% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 2,080 |
| Loan loss allowance to noncurrent loans | 533.9649% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,748 |
| Noncurrent loans to loans | 0.2543% | 2,571 |
| Net loans and leases to total assets | 58.2515% | 2,271 |
| Net loans and leases to deposits | 63.8257% | 2,547 |
| Net loans and leases to core deposits | 70.7510% | 2,232 |
| Total domestic deposits to total assets | 91.2665% | 902 |
| Equity capital to assets | 7.6387% | 3,835 |
| Core capital (leverage) ratio | 9.4679% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3008% | 2,076 |
| Memoranda: | ||
| Average total assets | $1,402,410,500 | 745 |
| Average earning assets | $1,336,606,000 | 718 |
| Average equity | $106,656,500 | 947 |
| Average total loans | $823,180,500 | 779 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 2,599 |
| Cost of funding earning assets | 0.2519% | 2,907 |
| Net interest margin | 3.2702% | 2,407 |
| Noninterest income to average assets | 0.7170% | 1,699 |
| Noninterest expense to average assets | 2.5165% | 2,134 |
| Loan and lease loss provision to assets | 0.0708% | 1,670 |
| Net operating income to assets | 1.2404% | 1,774 |
| Return on assets (ROA) | 1.2415% | 1,826 |
| Pretax return on assets | 1.2415% | 2,545 |
| Return on Equity (ROE) | 15.8313% | 783 |
| Retained earnings to average equity (ytd only) | 12.3878% | 487 |
| Net charge-offs to loans | -0.1614% | 4,675 |
| Credit loss provision to net charge-offs | -78.5103% | 3,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7454% | 2,295 |
| Assets per employee ($millions) | 6.8580% | 2,030 |
| Cash dividends to net income (ytd only)* | 21.7513% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,222 |
| Loan loss allowance to noncurrent loans | 477.7339% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,799 |
| Noncurrent loans to loans | 0.2790% | 2,607 |
| Net loans and leases to total assets | 57.5625% | 2,417 |
| Net loans and leases to deposits | 63.1510% | 2,770 |
| Net loans and leases to core deposits | 70.4714% | 2,401 |
| Total domestic deposits to total assets | 91.1507% | 434 |
| Equity capital to assets | 7.5716% | 4,564 |
| Core capital (leverage) ratio | 8.0258% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2019% | 2,840 |
| Memoranda: | ||
| Average total assets | $1,296,045,400 | 770 |
| Average earning assets | $1,232,800,800 | 754 |
| Average equity | $101,640,400 | 1,001 |
| Average total loans | $723,567,200 | 853 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 2,741 |
| Cost of funding earning assets | 0.2666% | 2,937 |
| Net interest margin | 3.2652% | 2,530 |
| Noninterest income to average assets | 0.7141% | 1,778 |
| Noninterest expense to average assets | 2.5380% | 2,011 |
| Loan and lease loss provision to assets | 0.0730% | 1,584 |
| Net operating income to assets | 1.2066% | 2,147 |
| Return on assets (ROA) | 1.2082% | 2,199 |
| Pretax return on assets | 1.2082% | 2,902 |
| Return on Equity (ROE) | 15.2609% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.6207% | 1,142 |
| Net charge-offs to loans | 0.0015% | 2,359 |
| Credit loss provision to net charge-offs | 8,687.5000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,523.8750% | 97 |
| Efficiency ratio | 66.4825% | 2,035 |
| Assets per employee ($millions) | 6.5546% | 2,203 |
| Cash dividends to net income (ytd only)* | 30.4057% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,712 |
| Loan loss allowance to noncurrent loans | 342.2383% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 2,735 |
| Noncurrent loans to loans | 0.3663% | 2,470 |
| Net loans and leases to total assets | 55.8385% | 2,744 |
| Net loans and leases to deposits | 61.1958% | 3,124 |
| Net loans and leases to core deposits | 71.8555% | 2,434 |
| Total domestic deposits to total assets | 91.2457% | 301 |
| Equity capital to assets | 7.7011% | 4,650 |
| Core capital (leverage) ratio | 8.0059% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9884% | 2,707 |
| Memoranda: | ||
| Average total assets | $1,270,298,000 | 793 |
| Average earning assets | $1,207,374,000 | 775 |
| Average equity | $100,568,250 | 1,024 |
| Average total loans | $700,409,500 | 897 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 2,891 |
| Cost of funding earning assets | 0.2781% | 3,005 |
| Net interest margin | 3.2224% | 2,691 |
| Noninterest income to average assets | 0.7272% | 1,729 |
| Noninterest expense to average assets | 2.5677% | 1,935 |
| Loan and lease loss provision to assets | 0.0758% | 1,574 |
| Net operating income to assets | 1.1434% | 2,392 |
| Return on assets (ROA) | 1.1458% | 2,442 |
| Pretax return on assets | 1.1458% | 3,072 |
| Return on Equity (ROE) | 14.3335% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.3171% | 2,316 |
| Net charge-offs to loans | 0.0047% | 1,977 |
| Credit loss provision to net charge-offs | 2,956.2500% | 213 |
| Earnings coverage of net charge-offs (x) | 475.5000% | 274 |
| Efficiency ratio | 67.8050% | 1,903 |
| Assets per employee ($millions) | 6.2154% | 2,416 |
| Cash dividends to net income (ytd only)* | 48.9510% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,524 |
| Loan loss allowance to noncurrent loans | 358.1107% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,918 |
| Noncurrent loans to loans | 0.3581% | 2,616 |
| Net loans and leases to total assets | 56.1643% | 2,881 |
| Net loans and leases to deposits | 61.6226% | 3,237 |
| Net loans and leases to core deposits | 73.1272% | 2,506 |
| Total domestic deposits to total assets | 91.1423% | 329 |
| Equity capital to assets | 7.7377% | 4,658 |
| Core capital (leverage) ratio | 7.9177% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0735% | 2,696 |
| Memoranda: | ||
| Average total assets | $1,248,019,667 | 796 |
| Average earning assets | $1,185,017,000 | 782 |
| Average equity | $99,766,333 | 1,025 |
| Average total loans | $681,841,000 | 922 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2648% | 3,532 |
| Cost of funding earning assets | 0.2918% | 3,079 |
| Net interest margin | 2.9731% | 3,327 |
| Noninterest income to average assets | 0.6643% | 1,981 |
| Noninterest expense to average assets | 2.5630% | 1,983 |
| Loan and lease loss provision to assets | 0.0811% | 1,596 |
| Net operating income to assets | 0.8381% | 3,301 |
| Return on assets (ROA) | 0.8381% | 3,385 |
| Pretax return on assets | 0.8381% | 3,742 |
| Return on Equity (ROE) | 10.3146% | 2,592 |
| Retained earnings to average equity (ytd only) | 3.1572% | 3,734 |
| Net charge-offs to loans | -0.0369% | 4,272 |
| Credit loss provision to net charge-offs | -411.4754% | 3,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6036% | 1,344 |
| Assets per employee ($millions) | 6.1580% | 2,448 |
| Cash dividends to net income (ytd only)* | 69.3909% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,117 |
| Loan loss allowance to noncurrent loans | 301.1909% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 2,884 |
| Noncurrent loans to loans | 0.4536% | 2,496 |
| Net loans and leases to total assets | 52.3209% | 3,414 |
| Net loans and leases to deposits | 57.3181% | 3,694 |
| Net loans and leases to core deposits | 67.9912% | 3,059 |
| Total domestic deposits to total assets | 91.2817% | 300 |
| Equity capital to assets | 7.6936% | 4,640 |
| Core capital (leverage) ratio | 7.8562% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1363% | 2,233 |
| Memoranda: | ||
| Average total assets | $1,238,061,500 | 799 |
| Average earning assets | $1,173,472,000 | 783 |
| Average equity | $100,595,000 | 1,013 |
| Average total loans | $662,073,000 | 933 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 3,585 |
| Cost of funding earning assets | 0.4533% | 3,262 |
| Net interest margin | 3.2400% | 3,246 |
| Noninterest income to average assets | 0.7372% | 1,726 |
| Noninterest expense to average assets | 2.5569% | 2,677 |
| Loan and lease loss provision to assets | 0.1524% | 2,468 |
| Net operating income to assets | 1.0850% | 1,971 |
| Return on assets (ROA) | 1.1502% | 1,847 |
| Pretax return on assets | 1.1502% | 2,516 |
| Return on Equity (ROE) | 12.1921% | 1,270 |
| Retained earnings to average equity (ytd only) | 0.9163% | 4,256 |
| Net charge-offs to loans | 0.0218% | 2,622 |
| Credit loss provision to net charge-offs | 1,175.8621% | 693 |
| Earnings coverage of net charge-offs (x) | 95.4621% | 812 |
| Efficiency ratio | 67.3884% | 2,314 |
| Assets per employee ($millions) | 6.1301% | 2,231 |
| Cash dividends to net income (ytd only)* | 92.4847% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,247 |
| Loan loss allowance to noncurrent loans | 270.3043% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 2,913 |
| Noncurrent loans to loans | 0.4946% | 2,488 |
| Net loans and leases to total assets | 53.1995% | 3,563 |
| Net loans and leases to deposits | 58.9008% | 3,837 |
| Net loans and leases to core deposits | 66.9386% | 3,476 |
| Total domestic deposits to total assets | 90.3204% | 442 |
| Equity capital to assets | 8.5696% | 4,397 |
| Core capital (leverage) ratio | 8.0802% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9251% | 2,267 |
| Memoranda: | ||
| Average total assets | $1,118,649,600 | 799 |
| Average earning assets | $1,055,509,800 | 779 |
| Average equity | $105,535,600 | 925 |
| Average total loans | $664,904,600 | 907 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 3,536 |
| Cost of funding earning assets | 0.4973% | 3,238 |
| Net interest margin | 3.3129% | 3,148 |
| Noninterest income to average assets | 0.7592% | 1,621 |
| Noninterest expense to average assets | 2.7136% | 2,221 |
| Loan and lease loss provision to assets | 0.1695% | 2,303 |
| Net operating income to assets | 0.9998% | 2,342 |
| Return on assets (ROA) | 1.0889% | 2,150 |
| Pretax return on assets | 1.0889% | 2,786 |
| Return on Equity (ROE) | 11.2540% | 1,604 |
| Retained earnings to average equity (ytd only) | 1.8011% | 4,000 |
| Net charge-offs to loans | 0.0470% | 1,942 |
| Credit loss provision to net charge-offs | 591.4894% | 1,171 |
| Earnings coverage of net charge-offs (x) | 40.8043% | 1,346 |
| Efficiency ratio | 69.8847% | 1,898 |
| Assets per employee ($millions) | 5.8489% | 2,396 |
| Cash dividends to net income (ytd only)* | 83.9960% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,377 |
| Loan loss allowance to noncurrent loans | 254.5675% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,996 |
| Noncurrent loans to loans | 0.4929% | 2,585 |
| Net loans and leases to total assets | 56.1489% | 3,608 |
| Net loans and leases to deposits | 63.7792% | 3,806 |
| Net loans and leases to core deposits | 70.5496% | 3,588 |
| Total domestic deposits to total assets | 88.0364% | 1,205 |
| Equity capital to assets | 9.1288% | 4,016 |
| Core capital (leverage) ratio | 8.5059% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7259% | 1,920 |
| Memoranda: | ||
| Average total assets | $1,093,340,000 | 799 |
| Average earning assets | $1,030,902,000 | 785 |
| Average equity | $105,784,500 | 918 |
| Average total loans | $666,689,000 | 898 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,426 |
| Cost of funding earning assets | 0.5481% | 3,248 |
| Net interest margin | 3.4140% | 3,057 |
| Noninterest income to average assets | 0.7824% | 1,483 |
| Noninterest expense to average assets | 2.7687% | 2,167 |
| Loan and lease loss provision to assets | 0.2017% | 2,033 |
| Net operating income to assets | 1.0235% | 2,239 |
| Return on assets (ROA) | 1.1605% | 1,890 |
| Pretax return on assets | 1.1605% | 2,498 |
| Return on Equity (ROE) | 11.7504% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.5708% | 1,436 |
| Net charge-offs to loans | 0.0898% | 1,351 |
| Credit loss provision to net charge-offs | 359.5318% | 1,492 |
| Earnings coverage of net charge-offs (x) | 21.8395% | 1,642 |
| Efficiency ratio | 69.3226% | 2,043 |
| Assets per employee ($millions) | 5.7096% | 2,437 |
| Cash dividends to net income (ytd only)* | 35.5699% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,637 |
| Loan loss allowance to noncurrent loans | 198.6359% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 2,817 |
| Noncurrent loans to loans | 0.5916% | 2,386 |
| Net loans and leases to total assets | 59.8778% | 3,342 |
| Net loans and leases to deposits | 68.1926% | 3,545 |
| Net loans and leases to core deposits | 76.4193% | 3,251 |
| Total domestic deposits to total assets | 87.8070% | 1,283 |
| Equity capital to assets | 9.5928% | 3,571 |
| Core capital (leverage) ratio | 9.1326% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0946% | 1,770 |
| Memoranda: | ||
| Average total assets | $1,065,912,000 | 803 |
| Average earning assets | $1,002,700,000 | 784 |
| Average equity | $105,272,667 | 914 |
| Average total loans | $666,089,333 | 884 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,973 |
| Cost of funding earning assets | 0.6351% | 3,245 |
| Net interest margin | 3.6490% | 2,515 |
| Noninterest income to average assets | 0.7672% | 1,405 |
| Noninterest expense to average assets | 2.9774% | 1,937 |
| Loan and lease loss provision to assets | 0.0637% | 2,968 |
| Net operating income to assets | 1.1543% | 1,681 |
| Return on assets (ROA) | 1.1543% | 1,786 |
| Pretax return on assets | 1.1543% | 2,355 |
| Return on Equity (ROE) | 11.5083% | 1,260 |
| Retained earnings to average equity (ytd only) | 8.0454% | 1,221 |
| Net charge-offs to loans | 0.1422% | 888 |
| Credit loss provision to net charge-offs | 70.5128% | 1,978 |
| Earnings coverage of net charge-offs (x) | 13.4872% | 1,645 |
| Efficiency ratio | 70.9686% | 2,224 |
| Assets per employee ($millions) | 5.1302% | 2,498 |
| Cash dividends to net income (ytd only)* | 30.0903% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,205 |
| Loan loss allowance to noncurrent loans | 183.9753% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 2,892 |
| Noncurrent loans to loans | 0.5978% | 2,501 |
| Net loans and leases to total assets | 62.1662% | 3,281 |
| Net loans and leases to deposits | 70.4045% | 3,558 |
| Net loans and leases to core deposits | 78.3221% | 3,330 |
| Total domestic deposits to total assets | 88.2987% | 974 |
| Equity capital to assets | 10.4350% | 3,380 |
| Core capital (leverage) ratio | 9.4021% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6779% | 2,012 |
| Memoranda: | ||
| Average total assets | $1,036,477,000 | 798 |
| Average earning assets | $973,737,000 | 776 |
| Average equity | $103,960,000 | 920 |
| Average total loans | $658,382,000 | 874 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 3,266 |
| Cost of funding earning assets | 0.7224% | 3,056 |
| Net interest margin | 3.6743% | 2,891 |
| Noninterest income to average assets | 0.7809% | 1,510 |
| Noninterest expense to average assets | 2.8172% | 2,547 |
| Loan and lease loss provision to assets | 0.0547% | 2,938 |
| Net operating income to assets | 1.3454% | 1,521 |
| Return on assets (ROA) | 1.3474% | 1,594 |
| Pretax return on assets | 1.3474% | 2,339 |
| Return on Equity (ROE) | 14.1061% | 879 |
| Retained earnings to average equity (ytd only) | 4.7943% | 2,539 |
| Net charge-offs to loans | 0.0839% | 1,918 |
| Credit loss provision to net charge-offs | 104.9618% | 2,359 |
| Earnings coverage of net charge-offs (x) | 26.8836% | 1,682 |
| Efficiency ratio | 66.8026% | 2,645 |
| Assets per employee ($millions) | 5.2622% | 2,279 |
| Cash dividends to net income (ytd only)* | 66.0127% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,021 |
| Loan loss allowance to noncurrent loans | 260.5548% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,304 |
| Noncurrent loans to loans | 0.4172% | 2,950 |
| Net loans and leases to total assets | 63.4868% | 3,258 |
| Net loans and leases to deposits | 71.2136% | 3,572 |
| Net loans and leases to core deposits | 79.9802% | 3,296 |
| Total domestic deposits to total assets | 89.1499% | 610 |
| Equity capital to assets | 9.6254% | 4,244 |
| Core capital (leverage) ratio | 9.3638% | 4,209 |
| Tier 1 risk-based capital ratio | 12.9383% | 3,819 |
| Total risk-based capital ratio | 13.9145% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,006,197,600 | 779 |
| Average earning assets | $941,061,200 | 759 |
| Average equity | $96,114,200 | 927 |
| Average total loans | $624,614,400 | 881 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 3,391 |
| Cost of funding earning assets | 0.7321% | 3,057 |
| Net interest margin | 3.6582% | 3,062 |
| Noninterest income to average assets | 0.7676% | 1,529 |
| Noninterest expense to average assets | 2.7968% | 2,568 |
| Loan and lease loss provision to assets | 0.0734% | 2,418 |
| Net operating income to assets | 1.3164% | 1,790 |
| Return on assets (ROA) | 1.3193% | 1,847 |
| Pretax return on assets | 1.3193% | 2,602 |
| Return on Equity (ROE) | 13.8390% | 1,016 |
| Retained earnings to average equity (ytd only) | 8.0266% | 1,382 |
| Net charge-offs to loans | 0.1076% | 1,392 |
| Credit loss provision to net charge-offs | 110.8871% | 2,081 |
| Earnings coverage of net charge-offs (x) | 20.9858% | 1,931 |
| Efficiency ratio | 66.8038% | 2,618 |
| Assets per employee ($millions) | 5.1471% | 2,398 |
| Cash dividends to net income (ytd only)* | 41.9998% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,861 |
| Loan loss allowance to noncurrent loans | 246.9728% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,270 |
| Noncurrent loans to loans | 0.4589% | 2,927 |
| Net loans and leases to total assets | 62.7866% | 3,411 |
| Net loans and leases to deposits | 70.8135% | 3,703 |
| Net loans and leases to core deposits | 80.3321% | 3,364 |
| Total domestic deposits to total assets | 88.6647% | 764 |
| Equity capital to assets | 10.0237% | 3,994 |
| Core capital (leverage) ratio | 9.7174% | 3,950 |
| Tier 1 risk-based capital ratio | 13.4445% | 3,602 |
| Total risk-based capital ratio | 14.4510% | 3,649 |
| Memoranda: | ||
| Average total assets | $998,583,750 | 785 |
| Average earning assets | $933,308,000 | 770 |
| Average equity | $95,197,250 | 935 |
| Average total loans | $614,425,250 | 898 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,517 |
| Cost of funding earning assets | 0.7261% | 3,011 |
| Net interest margin | 3.6132% | 3,212 |
| Noninterest income to average assets | 0.7802% | 1,409 |
| Noninterest expense to average assets | 2.7750% | 2,678 |
| Loan and lease loss provision to assets | 0.0201% | 3,390 |
| Net operating income to assets | 1.3654% | 1,527 |
| Return on assets (ROA) | 1.3696% | 1,577 |
| Pretax return on assets | 1.3696% | 2,306 |
| Return on Equity (ROE) | 14.6210% | 849 |
| Retained earnings to average equity (ytd only) | 8.6138% | 1,162 |
| Net charge-offs to loans | 0.0532% | 1,883 |
| Credit loss provision to net charge-offs | 62.1118% | 2,388 |
| Earnings coverage of net charge-offs (x) | 42.8199% | 1,197 |
| Efficiency ratio | 66.6989% | 2,716 |
| Assets per employee ($millions) | 5.1182% | 2,337 |
| Cash dividends to net income (ytd only)* | 41.0858% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,831 |
| Loan loss allowance to noncurrent loans | 210.5480% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,006 |
| Noncurrent loans to loans | 0.5425% | 2,644 |
| Net loans and leases to total assets | 63.2706% | 3,422 |
| Net loans and leases to deposits | 71.3746% | 3,731 |
| Net loans and leases to core deposits | 80.6747% | 3,370 |
| Total domestic deposits to total assets | 88.6458% | 805 |
| Equity capital to assets | 10.0658% | 3,924 |
| Core capital (leverage) ratio | 9.4750% | 4,170 |
| Tier 1 risk-based capital ratio | 13.5314% | 3,568 |
| Total risk-based capital ratio | 14.5464% | 3,590 |
| Memoranda: | ||
| Average total assets | $995,164,670 | 784 |
| Average earning assets | $931,040,330 | 768 |
| Average equity | $93,222,000 | 948 |
| Average total loans | $605,674,330 | 905 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,795 |
| Cost of funding earning assets | 0.7033% | 3,034 |
| Net interest margin | 3.5200% | 3,538 |
| Noninterest income to average assets | 0.7331% | 1,491 |
| Noninterest expense to average assets | 2.7336% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2937% | 1,716 |
| Return on assets (ROA) | 1.2937% | 1,758 |
| Pretax return on assets | 1.2937% | 2,479 |
| Return on Equity (ROE) | 14.3304% | 894 |
| Retained earnings to average equity (ytd only) | 7.7103% | 1,765 |
| Net charge-offs to loans | -0.0215% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8769% | 2,657 |
| Assets per employee ($millions) | 5.4068% | 2,066 |
| Cash dividends to net income (ytd only)* | 46.1965% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,566 |
| Loan loss allowance to noncurrent loans | 226.1481% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,254 |
| Noncurrent loans to loans | 0.5312% | 2,721 |
| Net loans and leases to total assets | 58.8816% | 3,800 |
| Net loans and leases to deposits | 65.6586% | 4,082 |
| Net loans and leases to core deposits | 74.2353% | 3,781 |
| Total domestic deposits to total assets | 89.6785% | 569 |
| Equity capital to assets | 9.1301% | 4,590 |
| Core capital (leverage) ratio | 9.2467% | 4,415 |
| Tier 1 risk-based capital ratio | 13.6397% | 3,527 |
| Total risk-based capital ratio | 14.7014% | 3,538 |
| Memoranda: | ||
| Average total assets | $1,003,956,000 | 784 |
| Average earning assets | $939,541,000 | 768 |
| Average equity | $90,632,500 | 961 |
| Average total loans | $595,677,500 | 924 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,476 |
| Cost of funding earning assets | 0.4738% | 3,525 |
| Net interest margin | 3.3322% | 4,174 |
| Noninterest income to average assets | 0.9685% | 1,014 |
| Noninterest expense to average assets | 2.5846% | 3,381 |
| Loan and lease loss provision to assets | 0.0530% | 3,123 |
| Net operating income to assets | 1.4314% | 1,333 |
| Return on assets (ROA) | 1.4314% | 1,325 |
| Pretax return on assets | 1.4314% | 2,026 |
| Return on Equity (ROE) | 16.5803% | 532 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,212 |
| Net charge-offs to loans | 0.0201% | 3,028 |
| Credit loss provision to net charge-offs | 477.2727% | 713 |
| Earnings coverage of net charge-offs (x) | 133.7727% | 604 |
| Efficiency ratio | 63.5198% | 3,262 |
| Assets per employee ($millions) | 5.3593% | 2,098 |
| Cash dividends to net income (ytd only)* | 51.4447% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,440 |
| Loan loss allowance to noncurrent loans | 213.8576% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,108 |
| Noncurrent loans to loans | 0.5724% | 2,563 |
| Net loans and leases to total assets | 58.3417% | 3,927 |
| Net loans and leases to deposits | 64.9048% | 4,198 |
| Net loans and leases to core deposits | 73.2818% | 3,903 |
| Total domestic deposits to total assets | 89.8882% | 512 |
| Equity capital to assets | 8.9235% | 4,637 |
| Core capital (leverage) ratio | 9.2074% | 4,449 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,559 |
| Total risk-based capital ratio | 14.5374% | 3,552 |
| Memoranda: | ||
| Average total assets | $991,322,000 | 773 |
| Average earning assets | $922,393,600 | 761 |
| Average equity | $85,583,600 | 977 |
| Average total loans | $547,538,200 | 956 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 4,681 |
| Cost of funding earning assets | 0.4219% | 3,714 |
| Net interest margin | 3.2619% | 4,375 |
| Noninterest income to average assets | 0.9552% | 1,047 |
| Noninterest expense to average assets | 2.6352% | 3,184 |
| Loan and lease loss provision to assets | 0.0135% | 3,729 |
| Net operating income to assets | 1.3401% | 1,706 |
| Return on assets (ROA) | 1.3401% | 1,714 |
| Pretax return on assets | 1.3401% | 2,467 |
| Return on Equity (ROE) | 15.6551% | 757 |
| Retained earnings to average equity (ytd only) | 11.4070% | 573 |
| Net charge-offs to loans | 0.0176% | 2,812 |
| Credit loss provision to net charge-offs | 140.8451% | 1,796 |
| Earnings coverage of net charge-offs (x) | 141.5558% | 574 |
| Efficiency ratio | 66.0656% | 2,861 |
| Assets per employee ($millions) | 5.3418% | 2,082 |
| Cash dividends to net income (ytd only)* | 27.1357% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,728 |
| Loan loss allowance to noncurrent loans | 203.6119% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 3,114 |
| Noncurrent loans to loans | 0.5805% | 2,639 |
| Net loans and leases to total assets | 58.6572% | 3,977 |
| Net loans and leases to deposits | 66.1228% | 4,188 |
| Net loans and leases to core deposits | 74.3344% | 3,925 |
| Total domestic deposits to total assets | 88.7094% | 951 |
| Equity capital to assets | 9.0148% | 4,535 |
| Core capital (leverage) ratio | 9.3135% | 4,381 |
| Tier 1 risk-based capital ratio | 13.7774% | 3,474 |
| Total risk-based capital ratio | 14.8032% | 3,509 |
| Memoranda: | ||
| Average total assets | $989,944,500 | 774 |
| Average earning assets | $920,675,000 | 760 |
| Average equity | $84,741,500 | 985 |
| Average total loans | $537,228,750 | 970 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,873 |
| Cost of funding earning assets | 0.3865% | 3,827 |
| Net interest margin | 3.1465% | 4,628 |
| Noninterest income to average assets | 0.8726% | 1,262 |
| Noninterest expense to average assets | 2.6271% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1674% | 2,321 |
| Return on assets (ROA) | 1.1674% | 2,323 |
| Pretax return on assets | 1.1674% | 3,061 |
| Return on Equity (ROE) | 13.8778% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.3418% | 1,112 |
| Net charge-offs to loans | 0.0321% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 69.2024% | 918 |
| Efficiency ratio | 69.2336% | 2,442 |
| Assets per employee ($millions) | 5.5988% | 1,802 |
| Cash dividends to net income (ytd only)* | 32.6854% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,531 |
| Loan loss allowance to noncurrent loans | 199.1095% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,231 |
| Noncurrent loans to loans | 0.6196% | 2,560 |
| Net loans and leases to total assets | 52.7064% | 4,431 |
| Net loans and leases to deposits | 58.2057% | 4,632 |
| Net loans and leases to core deposits | 63.7693% | 4,503 |
| Total domestic deposits to total assets | 90.5521% | 384 |
| Equity capital to assets | 8.2851% | 5,086 |
| Core capital (leverage) ratio | 8.7588% | 4,924 |
| Tier 1 risk-based capital ratio | 13.8762% | 3,421 |
| Total risk-based capital ratio | 14.9306% | 3,430 |
| Memoranda: | ||
| Average total assets | $995,856,000 | 768 |
| Average earning assets | $924,784,330 | 756 |
| Average equity | $83,774,330 | 986 |
| Average total loans | $523,941,000 | 997 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,036 |
| Cost of funding earning assets | 0.3590% | 3,919 |
| Net interest margin | 3.0308% | 4,831 |
| Noninterest income to average assets | 0.7165% | 1,759 |
| Noninterest expense to average assets | 2.7179% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8018% | 3,694 |
| Return on assets (ROA) | 0.8018% | 3,706 |
| Pretax return on assets | 0.8018% | 4,147 |
| Return on Equity (ROE) | 9.4572% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.1846% | 3,516 |
| Net charge-offs to loans | 0.0039% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 394.6000% | 171 |
| Efficiency ratio | 77.2197% | 1,430 |
| Assets per employee ($millions) | 5.4985% | 1,946 |
| Cash dividends to net income (ytd only)* | 55.7527% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,196 |
| Loan loss allowance to noncurrent loans | 229.2905% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,540 |
| Noncurrent loans to loans | 0.5716% | 2,828 |
| Net loans and leases to total assets | 50.7868% | 4,511 |
| Net loans and leases to deposits | 56.0258% | 4,689 |
| Net loans and leases to core deposits | 61.1764% | 4,606 |
| Total domestic deposits to total assets | 90.6489% | 427 |
| Equity capital to assets | 8.2293% | 5,161 |
| Core capital (leverage) ratio | 8.7790% | 4,916 |
| Tier 1 risk-based capital ratio | 13.7527% | 3,517 |
| Total risk-based capital ratio | 14.8477% | 3,513 |
| Memoranda: | ||
| Average total assets | $984,292,000 | 772 |
| Average earning assets | $910,400,000 | 769 |
| Average equity | $83,449,500 | 1,002 |
| Average total loans | $514,022,500 | 1,023 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 5,009 |
| Cost of funding earning assets | 0.2720% | 4,383 |
| Net interest margin | 3.0800% | 4,730 |
| Noninterest income to average assets | 0.7244% | 1,865 |
| Noninterest expense to average assets | 2.5880% | 3,483 |
| Loan and lease loss provision to assets | 0.2653% | 685 |
| Net operating income to assets | 0.7318% | 3,464 |
| Return on assets (ROA) | 0.7318% | 3,505 |
| Pretax return on assets | 0.7318% | 4,435 |
| Return on Equity (ROE) | 7.8857% | 2,847 |
| Retained earnings to average equity (ytd only) | 1.8439% | 4,215 |
| Net charge-offs to loans | 0.3720% | 682 |
| Credit loss provision to net charge-offs | 128.6611% | 2,043 |
| Earnings coverage of net charge-offs (x) | 4.8363% | 3,406 |
| Efficiency ratio | 72.1878% | 2,193 |
| Assets per employee ($millions) | 5.2019% | 2,251 |
| Cash dividends to net income (ytd only)* | 76.6171% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,069 |
| Loan loss allowance to noncurrent loans | 212.5156% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,412 |
| Noncurrent loans to loans | 0.6264% | 2,653 |
| Net loans and leases to total assets | 52.3128% | 4,498 |
| Net loans and leases to deposits | 58.0242% | 4,689 |
| Net loans and leases to core deposits | 62.8139% | 4,608 |
| Total domestic deposits to total assets | 90.1568% | 514 |
| Equity capital to assets | 8.7383% | 4,938 |
| Core capital (leverage) ratio | 8.8650% | 4,798 |
| Tier 1 risk-based capital ratio | 13.7545% | 3,493 |
| Total risk-based capital ratio | 14.8618% | 3,485 |
| Memoranda: | ||
| Average total assets | $927,381,400 | 802 |
| Average earning assets | $861,365,400 | 793 |
| Average equity | $86,066,800 | 949 |
| Average total loans | $514,011,200 | 996 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 5,086 |
| Cost of funding earning assets | 0.2510% | 4,555 |
| Net interest margin | 3.0684% | 4,778 |
| Noninterest income to average assets | 0.7299% | 1,870 |
| Noninterest expense to average assets | 2.6080% | 3,384 |
| Loan and lease loss provision to assets | 0.3570% | 413 |
| Net operating income to assets | 0.6163% | 4,327 |
| Return on assets (ROA) | 0.6163% | 4,374 |
| Pretax return on assets | 0.6163% | 4,812 |
| Return on Equity (ROE) | 6.5402% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.4595% | 3,864 |
| Net charge-offs to loans | 0.5165% | 397 |
| Credit loss provision to net charge-offs | 123.3083% | 1,971 |
| Earnings coverage of net charge-offs (x) | 3.3614% | 3,351 |
| Efficiency ratio | 72.8227% | 2,068 |
| Assets per employee ($millions) | 4.9598% | 2,503 |
| Cash dividends to net income (ytd only)* | 47.1032% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,587 |
| Loan loss allowance to noncurrent loans | 187.2976% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 3,312 |
| Noncurrent loans to loans | 0.6722% | 2,690 |
| Net loans and leases to total assets | 56.7290% | 4,176 |
| Net loans and leases to deposits | 63.5366% | 4,411 |
| Net loans and leases to core deposits | 68.8503% | 4,312 |
| Total domestic deposits to total assets | 89.2856% | 750 |
| Equity capital to assets | 9.4390% | 4,499 |
| Core capital (leverage) ratio | 9.3723% | 4,323 |
| Tier 1 risk-based capital ratio | 13.7226% | 3,567 |
| Total risk-based capital ratio | 14.8054% | 3,584 |
| Memoranda: | ||
| Average total assets | $918,639,250 | 812 |
| Average earning assets | $853,664,000 | 809 |
| Average equity | $86,560,250 | 942 |
| Average total loans | $514,958,000 | 995 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 5,144 |
| Cost of funding earning assets | 0.2260% | 4,751 |
| Net interest margin | 3.0460% | 4,806 |
| Noninterest income to average assets | 0.7234% | 1,893 |
| Noninterest expense to average assets | 2.6042% | 3,419 |
| Loan and lease loss provision to assets | 0.0786% | 2,410 |
| Net operating income to assets | 0.8695% | 3,076 |
| Return on assets (ROA) | 0.8695% | 3,124 |
| Pretax return on assets | 0.8695% | 4,039 |
| Return on Equity (ROE) | 9.2333% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.3778% | 1,412 |
| Net charge-offs to loans | 0.1843% | 1,076 |
| Credit loss provision to net charge-offs | 76.7591% | 2,301 |
| Earnings coverage of net charge-offs (x) | 9.2559% | 2,452 |
| Efficiency ratio | 73.3091% | 2,127 |
| Assets per employee ($millions) | 4.9487% | 2,456 |
| Cash dividends to net income (ytd only)* | 20.0955% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,154 |
| Loan loss allowance to noncurrent loans | 105.0694% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,622 |
| Noncurrent loans to loans | 1.1203% | 1,753 |
| Net loans and leases to total assets | 56.8725% | 4,138 |
| Net loans and leases to deposits | 63.9470% | 4,368 |
| Net loans and leases to core deposits | 68.6810% | 4,317 |
| Total domestic deposits to total assets | 88.9369% | 991 |
| Equity capital to assets | 9.7844% | 4,135 |
| Core capital (leverage) ratio | 9.5209% | 4,117 |
| Tier 1 risk-based capital ratio | 14.3197% | 3,255 |
| Total risk-based capital ratio | 15.3418% | 3,292 |
| Memoranda: | ||
| Average total assets | $915,689,670 | 820 |
| Average earning assets | $850,439,000 | 818 |
| Average equity | $86,231,670 | 952 |
| Average total loans | $508,989,330 | 1,003 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 5,216 |
| Cost of funding earning assets | 0.2084% | 4,901 |
| Net interest margin | 3.0124% | 4,867 |
| Noninterest income to average assets | 0.6782% | 2,047 |
| Noninterest expense to average assets | 2.6027% | 3,492 |
| Loan and lease loss provision to assets | 0.0782% | 2,251 |
| Net operating income to assets | 0.7920% | 3,259 |
| Return on assets (ROA) | 0.7920% | 3,316 |
| Pretax return on assets | 0.7920% | 4,133 |
| Return on Equity (ROE) | 8.5745% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.5745% | 1,241 |
| Net charge-offs to loans | 0.1527% | 1,045 |
| Credit loss provision to net charge-offs | 93.7500% | 1,664 |
| Earnings coverage of net charge-offs (x) | 10.4323% | 1,940 |
| Efficiency ratio | 74.9437% | 2,075 |
| Assets per employee ($millions) | 4.9108% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,883 |
| Loan loss allowance to noncurrent loans | 104.9335% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 2,476 |
| Noncurrent loans to loans | 1.1828% | 1,711 |
| Net loans and leases to total assets | 54.2897% | 4,316 |
| Net loans and leases to deposits | 60.7920% | 4,514 |
| Net loans and leases to core deposits | 65.0442% | 4,486 |
| Total domestic deposits to total assets | 89.3040% | 1,001 |
| Equity capital to assets | 9.4431% | 4,348 |
| Core capital (leverage) ratio | 9.2279% | 4,437 |
| Tier 1 risk-based capital ratio | 14.3955% | 3,260 |
| Total risk-based capital ratio | 15.4559% | 3,279 |
| Memoranda: | ||
| Average total assets | $920,728,500 | 817 |
| Average earning assets | $854,216,000 | 817 |
| Average equity | $85,043,000 | 958 |
| Average total loans | $502,894,500 | 1,010 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 5,308 |
| Cost of funding earning assets | 0.1615% | 5,347 |
| Net interest margin | 3.0359% | 4,888 |
| Noninterest income to average assets | 0.6767% | 2,285 |
| Noninterest expense to average assets | 2.4283% | 4,214 |
| Loan and lease loss provision to assets | 0.3213% | 566 |
| Net operating income to assets | 0.7428% | 3,572 |
| Return on assets (ROA) | 0.7428% | 3,688 |
| Pretax return on assets | 0.7428% | 4,364 |
| Return on Equity (ROE) | 7.7279% | 3,098 |
| Retained earnings to average equity (ytd only) | -2.0259% | 5,537 |
| Net charge-offs to loans | 0.4268% | 604 |
| Credit loss provision to net charge-offs | 136.4760% | 1,990 |
| Earnings coverage of net charge-offs (x) | 4.5195% | 3,486 |
| Efficiency ratio | 69.5310% | 2,989 |
| Assets per employee ($millions) | 4.9895% | 2,407 |
| Cash dividends to net income (ytd only)* | 126.2150% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,880 |
| Loan loss allowance to noncurrent loans | 91.1932% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 2,264 |
| Noncurrent loans to loans | 1.3594% | 1,506 |
| Net loans and leases to total assets | 53.5992% | 4,471 |
| Net loans and leases to deposits | 59.7299% | 4,692 |
| Net loans and leases to core deposits | 63.8194% | 4,644 |
| Total domestic deposits to total assets | 89.7360% | 760 |
| Equity capital to assets | 9.0331% | 4,777 |
| Core capital (leverage) ratio | 8.9896% | 4,755 |
| Tier 1 risk-based capital ratio | 13.8256% | 3,565 |
| Total risk-based capital ratio | 14.8685% | 3,603 |
| Memoranda: | ||
| Average total assets | $928,018,800 | 776 |
| Average earning assets | $860,695,400 | 758 |
| Average equity | $89,196,600 | 892 |
| Average total loans | $511,895,400 | 958 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 5,373 |
| Cost of funding earning assets | 0.1581% | 5,425 |
| Net interest margin | 3.0330% | 4,945 |
| Noninterest income to average assets | 0.6885% | 2,219 |
| Noninterest expense to average assets | 2.4114% | 4,255 |
| Loan and lease loss provision to assets | 0.0621% | 2,990 |
| Net operating income to assets | 1.0291% | 2,298 |
| Return on assets (ROA) | 1.0291% | 2,422 |
| Pretax return on assets | 1.0291% | 3,518 |
| Return on Equity (ROE) | 10.5486% | 1,849 |
| Retained earnings to average equity (ytd only) | 5.0998% | 2,758 |
| Net charge-offs to loans | 0.0278% | 3,113 |
| Credit loss provision to net charge-offs | 403.7383% | 834 |
| Earnings coverage of net charge-offs (x) | 70.9828% | 848 |
| Efficiency ratio | 68.8461% | 3,069 |
| Assets per employee ($millions) | 4.9364% | 2,443 |
| Cash dividends to net income (ytd only)* | 51.6543% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,762 |
| Loan loss allowance to noncurrent loans | 125.4237% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 3,161 |
| Noncurrent loans to loans | 0.8879% | 2,485 |
| Net loans and leases to total assets | 56.4246% | 4,265 |
| Net loans and leases to deposits | 63.8636% | 4,498 |
| Net loans and leases to core deposits | 68.4108% | 4,432 |
| Total domestic deposits to total assets | 88.3518% | 1,211 |
| Equity capital to assets | 10.2509% | 3,856 |
| Core capital (leverage) ratio | 9.5862% | 4,075 |
| Tier 1 risk-based capital ratio | 14.5552% | 3,267 |
| Total risk-based capital ratio | 15.5094% | 3,348 |
| Memoranda: | ||
| Average total assets | $928,010,750 | 775 |
| Average earning assets | $861,028,500 | 763 |
| Average equity | $90,537,750 | 892 |
| Average total loans | $513,951,250 | 953 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 5,442 |
| Cost of funding earning assets | 0.1540% | 5,520 |
| Net interest margin | 3.0357% | 5,006 |
| Noninterest income to average assets | 0.6837% | 2,216 |
| Noninterest expense to average assets | 2.3820% | 4,397 |
| Loan and lease loss provision to assets | 0.0924% | 2,303 |
| Net operating income to assets | 1.0266% | 2,266 |
| Return on assets (ROA) | 1.0266% | 2,404 |
| Pretax return on assets | 1.0266% | 3,490 |
| Return on Equity (ROE) | 10.6980% | 1,761 |
| Retained earnings to average equity (ytd only) | 5.1226% | 2,647 |
| Net charge-offs to loans | 0.0410% | 2,640 |
| Credit loss provision to net charge-offs | 411.4286% | 762 |
| Earnings coverage of net charge-offs (x) | 49.8000% | 999 |
| Efficiency ratio | 68.0379% | 3,337 |
| Assets per employee ($millions) | 5.0459% | 2,255 |
| Cash dividends to net income (ytd only)* | 52.1159% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,863 |
| Loan loss allowance to noncurrent loans | 173.1334% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 3,750 |
| Noncurrent loans to loans | 0.6445% | 3,143 |
| Net loans and leases to total assets | 56.0238% | 4,307 |
| Net loans and leases to deposits | 63.2377% | 4,549 |
| Net loans and leases to core deposits | 67.5239% | 4,511 |
| Total domestic deposits to total assets | 88.5923% | 1,119 |
| Equity capital to assets | 10.0731% | 4,132 |
| Core capital (leverage) ratio | 9.3938% | 4,344 |
| Tier 1 risk-based capital ratio | 14.4162% | 3,368 |
| Total risk-based capital ratio | 15.3743% | 3,449 |
| Memoranda: | ||
| Average total assets | $934,580,330 | 771 |
| Average earning assets | $867,350,000 | 761 |
| Average equity | $89,680,670 | 898 |
| Average total loans | $512,509,000 | 954 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 5,530 |
| Cost of funding earning assets | 0.1508% | 5,604 |
| Net interest margin | 3.0183% | 5,075 |
| Noninterest income to average assets | 0.6834% | 2,119 |
| Noninterest expense to average assets | 2.3669% | 4,469 |
| Loan and lease loss provision to assets | 0.1126% | 1,858 |
| Net operating income to assets | 1.0068% | 2,246 |
| Return on assets (ROA) | 1.0068% | 2,361 |
| Pretax return on assets | 1.0068% | 3,455 |
| Return on Equity (ROE) | 10.7499% | 1,696 |
| Retained earnings to average equity (ytd only) | 4.8756% | 3,014 |
| Net charge-offs to loans | 0.0588% | 1,919 |
| Credit loss provision to net charge-offs | 354.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 35.2667% | 1,086 |
| Efficiency ratio | 67.8927% | 3,479 |
| Assets per employee ($millions) | 5.2866% | 2,047 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,928 |
| Loan loss allowance to noncurrent loans | 249.4690% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 4,598 |
| Noncurrent loans to loans | 0.4500% | 3,830 |
| Net loans and leases to total assets | 52.7710% | 4,552 |
| Net loans and leases to deposits | 59.2159% | 4,768 |
| Net loans and leases to core deposits | 63.4691% | 4,728 |
| Total domestic deposits to total assets | 89.1164% | 1,047 |
| Equity capital to assets | 9.5579% | 4,611 |
| Core capital (leverage) ratio | 9.1287% | 4,694 |
| Tier 1 risk-based capital ratio | 14.3126% | 3,491 |
| Total risk-based capital ratio | 15.2546% | 3,621 |
| Memoranda: | ||
| Average total assets | $945,218,000 | 766 |
| Average earning assets | $877,717,000 | 754 |
| Average equity | $88,522,000 | 904 |
| Average total loans | $510,042,500 | 955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 5,683 |
| Cost of funding earning assets | 0.1452% | 5,716 |
| Net interest margin | 2.9129% | 5,313 |
| Noninterest income to average assets | 0.6987% | 2,208 |
| Noninterest expense to average assets | 2.2304% | 4,977 |
| Loan and lease loss provision to assets | 0.0744% | 2,783 |
| Net operating income to assets | 1.0814% | 2,001 |
| Return on assets (ROA) | 1.0814% | 2,069 |
| Pretax return on assets | 1.0814% | 3,147 |
| Return on Equity (ROE) | 12.5198% | 1,173 |
| Retained earnings to average equity (ytd only) | 10.1284% | 449 |
| Net charge-offs to loans | -0.0100% | 5,112 |
| Credit loss provision to net charge-offs | -1,440.0000% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8686% | 3,925 |
| Assets per employee ($millions) | 5.3339% | 1,967 |
| Cash dividends to net income (ytd only)* | 19.1004% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,302 |
| Loan loss allowance to noncurrent loans | 216.2366% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,530 |
| Noncurrent loans to loans | 0.4864% | 3,743 |
| Net loans and leases to total assets | 53.9715% | 4,503 |
| Net loans and leases to deposits | 60.1970% | 4,761 |
| Net loans and leases to core deposits | 63.4602% | 4,772 |
| Total domestic deposits to total assets | 89.6582% | 773 |
| Equity capital to assets | 9.1743% | 4,942 |
| Core capital (leverage) ratio | 9.0636% | 4,803 |
| Tier 1 risk-based capital ratio | 13.4273% | 4,040 |
| Total risk-based capital ratio | 14.2920% | 4,191 |
| Memoranda: | ||
| Average total assets | $968,289,400 | 716 |
| Average earning assets | $893,363,200 | 709 |
| Average equity | $83,635,800 | 911 |
| Average total loans | $500,401,400 | 938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0478% | 5,767 |
| Cost of funding earning assets | 0.1478% | 5,795 |
| Net interest margin | 2.9001% | 5,413 |
| Noninterest income to average assets | 0.7072% | 2,198 |
| Noninterest expense to average assets | 2.2423% | 4,929 |
| Loan and lease loss provision to assets | 0.0754% | 2,673 |
| Net operating income to assets | 1.0627% | 2,161 |
| Return on assets (ROA) | 1.0627% | 2,256 |
| Pretax return on assets | 1.0627% | 3,363 |
| Return on Equity (ROE) | 12.4923% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.4923% | 314 |
| Net charge-offs to loans | -0.0132% | 5,070 |
| Credit loss provision to net charge-offs | -1,122.4490% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3343% | 3,831 |
| Assets per employee ($millions) | 5.1997% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,644 |
| Loan loss allowance to noncurrent loans | 1,055.2000% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,551 |
| Noncurrent loans to loans | 0.0966% | 5,248 |
| Net loans and leases to total assets | 54.4141% | 4,522 |
| Net loans and leases to deposits | 60.8905% | 4,792 |
| Net loans and leases to core deposits | 64.2281% | 4,803 |
| Total domestic deposits to total assets | 89.3639% | 832 |
| Equity capital to assets | 9.3018% | 5,004 |
| Core capital (leverage) ratio | 8.8193% | 5,217 |
| Tier 1 risk-based capital ratio | 13.5802% | 4,096 |
| Total risk-based capital ratio | 14.4345% | 4,255 |
| Memoranda: | ||
| Average total assets | $973,005,000 | 715 |
| Average earning assets | $896,879,500 | 706 |
| Average equity | $82,769,000 | 927 |
| Average total loans | $496,035,000 | 947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9919% | 5,863 |
| Cost of funding earning assets | 0.1492% | 5,851 |
| Net interest margin | 2.8427% | 5,539 |
| Noninterest income to average assets | 0.6903% | 2,253 |
| Noninterest expense to average assets | 2.2023% | 5,109 |
| Loan and lease loss provision to assets | 0.0671% | 2,776 |
| Net operating income to assets | 1.0325% | 2,215 |
| Return on assets (ROA) | 1.0325% | 2,335 |
| Pretax return on assets | 1.0325% | 3,446 |
| Return on Equity (ROE) | 12.5108% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.5108% | 350 |
| Net charge-offs to loans | 0.0098% | 3,563 |
| Credit loss provision to net charge-offs | 1,375.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 225.3333% | 307 |
| Efficiency ratio | 66.6975% | 3,884 |
| Assets per employee ($millions) | 5.3756% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 4,938 |
| Loan loss allowance to noncurrent loans | 922.7778% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,600 |
| Noncurrent loans to loans | 0.1068% | 5,319 |
| Net loans and leases to total assets | 52.3051% | 4,728 |
| Net loans and leases to deposits | 58.2876% | 4,975 |
| Net loans and leases to core deposits | 61.3720% | 4,986 |
| Total domestic deposits to total assets | 89.7361% | 772 |
| Equity capital to assets | 8.7617% | 5,471 |
| Core capital (leverage) ratio | 8.3354% | 5,692 |
| Tier 1 risk-based capital ratio | 13.0916% | 4,465 |
| Total risk-based capital ratio | 13.8951% | 4,641 |
| Memoranda: | ||
| Average total assets | $983,625,000 | 710 |
| Average earning assets | $903,637,330 | 702 |
| Average equity | $81,177,670 | 945 |
| Average total loans | $488,916,000 | 960 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9372% | 5,963 |
| Cost of funding earning assets | 0.1489% | 5,933 |
| Net interest margin | 2.7883% | 5,668 |
| Noninterest income to average assets | 0.6720% | 2,296 |
| Noninterest expense to average assets | 2.1950% | 5,164 |
| Loan and lease loss provision to assets | 0.0602% | 2,726 |
| Net operating income to assets | 0.9861% | 2,326 |
| Return on assets (ROA) | 0.9861% | 2,451 |
| Pretax return on assets | 0.9861% | 3,551 |
| Return on Equity (ROE) | 12.3133% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.3133% | 528 |
| Net charge-offs to loans | 0.0125% | 2,937 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 173.8667% | 316 |
| Efficiency ratio | 56.8387% | 5,455 |
| Assets per employee ($millions) | 5.6286% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,981 |
| Loan loss allowance to noncurrent loans | 1,279.7872% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,735 |
| Noncurrent loans to loans | 0.0786% | 5,464 |
| Net loans and leases to total assets | 47.2388% | 5,108 |
| Net loans and leases to deposits | 52.0891% | 5,326 |
| Net loans and leases to core deposits | 54.8461% | 5,325 |
| Total domestic deposits to total assets | 90.6885% | 469 |
| Equity capital to assets | 8.0987% | 5,989 |
| Core capital (leverage) ratio | 7.8361% | 6,016 |
| Tier 1 risk-based capital ratio | 13.1985% | 4,499 |
| Total risk-based capital ratio | 14.0069% | 4,669 |
| Memoranda: | ||
| Average total assets | $997,012,500 | 694 |
| Average earning assets | $918,692,500 | 693 |
| Average equity | $79,848,500 | 958 |
| Average total loans | $480,642,000 | 972 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8288% | 6,188 |
| Cost of funding earning assets | 0.1680% | 5,994 |
| Net interest margin | 2.6609% | 5,993 |
| Noninterest income to average assets | 0.6457% | 2,578 |
| Noninterest expense to average assets | 2.1121% | 5,541 |
| Loan and lease loss provision to assets | 0.0615% | 3,286 |
| Net operating income to assets | 0.9300% | 2,724 |
| Return on assets (ROA) | 0.9300% | 2,813 |
| Pretax return on assets | 0.9300% | 3,778 |
| Return on Equity (ROE) | 12.3938% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.3938% | 268 |
| Net charge-offs to loans | -0.0249% | 5,750 |
| Credit loss provision to net charge-offs | -530.9735% | 5,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0522% | 3,895 |
| Assets per employee ($millions) | 5.7348% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 5,208 |
| Loan loss allowance to noncurrent loans | 926.1386% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,818 |
| Noncurrent loans to loans | 0.1045% | 5,477 |
| Net loans and leases to total assets | 48.2307% | 5,126 |
| Net loans and leases to deposits | 53.0603% | 5,407 |
| Net loans and leases to core deposits | 55.2289% | 5,430 |
| Total domestic deposits to total assets | 90.8980% | 405 |
| Equity capital to assets | 7.9179% | 6,099 |
| Core capital (leverage) ratio | 7.7480% | 6,117 |
| Tier 1 risk-based capital ratio | 12.8052% | 4,854 |
| Total risk-based capital ratio | 13.5921% | 5,045 |
| Memoranda: | ||
| Average total assets | $975,123,000 | 692 |
| Average earning assets | $900,797,600 | 681 |
| Average equity | $73,173,400 | 998 |
| Average total loans | $454,163,200 | 973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7837% | 6,289 |
| Cost of funding earning assets | 0.1744% | 6,039 |
| Net interest margin | 2.6093% | 6,124 |
| Noninterest income to average assets | 0.6533% | 2,559 |
| Noninterest expense to average assets | 2.1579% | 5,438 |
| Loan and lease loss provision to assets | 0.0652% | 3,050 |
| Net operating income to assets | 0.8471% | 3,192 |
| Return on assets (ROA) | 0.8471% | 3,285 |
| Pretax return on assets | 0.8471% | 4,188 |
| Return on Equity (ROE) | 11.4493% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.4493% | 465 |
| Net charge-offs to loans | -0.0206% | 5,617 |
| Credit loss provision to net charge-offs | -688.4058% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2854% | 3,462 |
| Assets per employee ($millions) | 5.5790% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 5,452 |
| Loan loss allowance to noncurrent loans | 1,113.0864% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,003 |
| Noncurrent loans to loans | 0.0848% | 5,691 |
| Net loans and leases to total assets | 48.4458% | 5,158 |
| Net loans and leases to deposits | 53.1773% | 5,445 |
| Net loans and leases to core deposits | 55.5262% | 5,477 |
| Total domestic deposits to total assets | 91.1024% | 334 |
| Equity capital to assets | 7.7070% | 6,245 |
| Core capital (leverage) ratio | 7.5622% | 6,255 |
| Tier 1 risk-based capital ratio | 12.6396% | 5,071 |
| Total risk-based capital ratio | 13.4179% | 5,304 |
| Memoranda: | ||
| Average total assets | $970,871,500 | 690 |
| Average earning assets | $899,261,500 | 678 |
| Average equity | $71,827,750 | 1,023 |
| Average total loans | $446,907,000 | 992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7566% | 6,366 |
| Cost of funding earning assets | 0.1777% | 6,087 |
| Net interest margin | 2.5789% | 6,200 |
| Noninterest income to average assets | 0.6429% | 2,590 |
| Noninterest expense to average assets | 2.1609% | 5,502 |
| Loan and lease loss provision to assets | 0.0619% | 3,029 |
| Net operating income to assets | 0.8014% | 3,327 |
| Return on assets (ROA) | 0.8014% | 3,431 |
| Pretax return on assets | 0.8014% | 4,259 |
| Return on Equity (ROE) | 10.9863% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.9863% | 544 |
| Net charge-offs to loans | -0.0119% | 5,369 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4529% | 3,437 |
| Assets per employee ($millions) | 5.5601% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 5,479 |
| Loan loss allowance to noncurrent loans | 1,105.6701% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 6,081 |
| Noncurrent loans to loans | 0.0879% | 5,751 |
| Net loans and leases to total assets | 45.7099% | 5,395 |
| Net loans and leases to deposits | 50.7227% | 5,578 |
| Net loans and leases to core deposits | 53.2072% | 5,600 |
| Total domestic deposits to total assets | 90.1172% | 750 |
| Equity capital to assets | 7.6436% | 6,309 |
| Core capital (leverage) ratio | 7.4134% | 6,339 |
| Tier 1 risk-based capital ratio | 12.8717% | 4,997 |
| Total risk-based capital ratio | 13.6503% | 5,221 |
| Memoranda: | ||
| Average total assets | $969,053,000 | 691 |
| Average earning assets | $894,807,670 | 681 |
| Average equity | $70,688,330 | 1,032 |
| Average total loans | $436,710,330 | 1,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7235% | 6,445 |
| Cost of funding earning assets | 0.1790% | 6,174 |
| Net interest margin | 2.5445% | 6,296 |
| Noninterest income to average assets | 0.6246% | 2,602 |
| Noninterest expense to average assets | 2.1111% | 5,659 |
| Loan and lease loss provision to assets | 0.0615% | 2,884 |
| Net operating income to assets | 0.8013% | 3,149 |
| Return on assets (ROA) | 0.8013% | 3,228 |
| Pretax return on assets | 0.8013% | 4,112 |
| Return on Equity (ROE) | 11.2488% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.2488% | 712 |
| Net charge-offs to loans | -0.0157% | 5,226 |
| Credit loss provision to net charge-offs | -882.3529% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9873% | 3,652 |
| Assets per employee ($millions) | 5.7103% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 5,750 |
| Loan loss allowance to noncurrent loans | 1,005.1095% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 6,166 |
| Noncurrent loans to loans | 0.0932% | 5,845 |
| Net loans and leases to total assets | 44.2280% | 5,489 |
| Net loans and leases to deposits | 49.0483% | 5,663 |
| Net loans and leases to core deposits | 51.3984% | 5,657 |
| Total domestic deposits to total assets | 90.1722% | 985 |
| Equity capital to assets | 7.1758% | 6,405 |
| Core capital (leverage) ratio | 7.1713% | 6,433 |
| Tier 1 risk-based capital ratio | 12.7871% | 5,131 |
| Total risk-based capital ratio | 13.5527% | 5,372 |
| Memoranda: | ||
| Average total assets | $975,409,500 | 692 |
| Average earning assets | $900,602,500 | 682 |
| Average equity | $69,483,000 | 1,049 |
| Average total loans | $434,349,500 | 1,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8426% | 6,470 |
| Cost of funding earning assets | 0.1959% | 6,311 |
| Net interest margin | 2.6466% | 6,208 |
| Noninterest income to average assets | 0.7237% | 2,417 |
| Noninterest expense to average assets | 2.2494% | 5,503 |
| Loan and lease loss provision to assets | 0.0231% | 4,665 |
| Net operating income to assets | 0.8895% | 2,836 |
| Return on assets (ROA) | 0.8895% | 2,928 |
| Pretax return on assets | 0.8895% | 3,807 |
| Return on Equity (ROE) | 12.2955% | 1,329 |
| Retained earnings to average equity (ytd only) | 9.8626% | 585 |
| Net charge-offs to loans | -0.0046% | 5,917 |
| Credit loss provision to net charge-offs | -1,105.2632% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1393% | 3,642 |
| Assets per employee ($millions) | 5.3795% | 1,766 |
| Cash dividends to net income (ytd only)* | 19.7873% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 5,832 |
| Loan loss allowance to noncurrent loans | 671.8644% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 6,181 |
| Noncurrent loans to loans | 0.1380% | 5,794 |
| Net loans and leases to total assets | 43.9991% | 5,673 |
| Net loans and leases to deposits | 47.9271% | 5,903 |
| Net loans and leases to core deposits | 50.1038% | 5,930 |
| Total domestic deposits to total assets | 91.8043% | 328 |
| Equity capital to assets | 7.0698% | 6,442 |
| Core capital (leverage) ratio | 7.2088% | 6,471 |
| Tier 1 risk-based capital ratio | 12.7535% | 5,142 |
| Total risk-based capital ratio | 13.5075% | 5,384 |
| Memoranda: | ||
| Average total assets | $909,082,000 | 725 |
| Average earning assets | $837,522,200 | 714 |
| Average equity | $65,763,800 | 1,093 |
| Average total loans | $414,218,400 | 1,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8780% | 6,506 |
| Cost of funding earning assets | 0.2010% | 6,396 |
| Net interest margin | 2.6770% | 6,211 |
| Noninterest income to average assets | 0.7385% | 2,421 |
| Noninterest expense to average assets | 2.3036% | 5,333 |
| Loan and lease loss provision to assets | 0.0186% | 4,643 |
| Net operating income to assets | 0.8831% | 2,919 |
| Return on assets (ROA) | 0.8831% | 3,033 |
| Pretax return on assets | 0.8831% | 3,953 |
| Return on Equity (ROE) | 12.1333% | 1,437 |
| Retained earnings to average equity (ytd only) | 8.8607% | 1,098 |
| Net charge-offs to loans | -0.0065% | 5,820 |
| Credit loss provision to net charge-offs | -625.0000% | 6,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8685% | 3,429 |
| Assets per employee ($millions) | 5.1276% | 2,023 |
| Cash dividends to net income (ytd only)* | 26.9723% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 5,985 |
| Loan loss allowance to noncurrent loans | 854.6256% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,309 |
| Noncurrent loans to loans | 0.1085% | 6,007 |
| Net loans and leases to total assets | 45.9241% | 5,555 |
| Net loans and leases to deposits | 50.2277% | 5,820 |
| Net loans and leases to core deposits | 52.7193% | 5,849 |
| Total domestic deposits to total assets | 91.4319% | 383 |
| Equity capital to assets | 7.2587% | 6,475 |
| Core capital (leverage) ratio | 7.2505% | 6,528 |
| Tier 1 risk-based capital ratio | 12.5043% | 5,454 |
| Total risk-based capital ratio | 13.2519% | 5,718 |
| Memoranda: | ||
| Average total assets | $895,619,250 | 740 |
| Average earning assets | $825,275,500 | 728 |
| Average equity | $65,185,500 | 1,110 |
| Average total loans | $410,861,500 | 1,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8801% | 6,546 |
| Cost of funding earning assets | 0.2052% | 6,449 |
| Net interest margin | 2.6749% | 6,217 |
| Noninterest income to average assets | 0.7305% | 2,501 |
| Noninterest expense to average assets | 2.3086% | 5,351 |
| Loan and lease loss provision to assets | 0.0112% | 4,651 |
| Net operating income to assets | 0.8769% | 2,929 |
| Return on assets (ROA) | 0.8769% | 3,071 |
| Pretax return on assets | 0.8769% | 3,999 |
| Return on Equity (ROE) | 12.0377% | 1,482 |
| Retained earnings to average equity (ytd only) | 7.1206% | 1,834 |
| Net charge-offs to loans | -0.0015% | 5,514 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2179% | 3,434 |
| Assets per employee ($millions) | 5.1755% | 1,907 |
| Cash dividends to net income (ytd only)* | 40.8476% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,081 |
| Loan loss allowance to noncurrent loans | 739.8438% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 6,332 |
| Noncurrent loans to loans | 0.1243% | 6,013 |
| Net loans and leases to total assets | 45.3251% | 5,604 |
| Net loans and leases to deposits | 50.0988% | 5,835 |
| Net loans and leases to core deposits | 52.5945% | 5,843 |
| Total domestic deposits to total assets | 90.4715% | 775 |
| Equity capital to assets | 7.1485% | 6,564 |
| Core capital (leverage) ratio | 7.1018% | 6,584 |
| Tier 1 risk-based capital ratio | 12.4433% | 5,539 |
| Total risk-based capital ratio | 13.1930% | 5,775 |
| Memoranda: | ||
| Average total assets | $893,342,330 | 738 |
| Average earning assets | $823,644,000 | 728 |
| Average equity | $65,078,670 | 1,109 |
| Average total loans | $408,374,670 | 1,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9140% | 6,596 |
| Cost of funding earning assets | 0.2122% | 6,521 |
| Net interest margin | 2.7018% | 6,210 |
| Noninterest income to average assets | 0.7013% | 2,583 |
| Noninterest expense to average assets | 2.2793% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9063% | 2,618 |
| Return on assets (ROA) | 0.9063% | 2,770 |
| Pretax return on assets | 0.9063% | 3,739 |
| Return on Equity (ROE) | 12.3245% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.8225% | 2,242 |
| Net charge-offs to loans | 0.0128% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 155.0769% | 261 |
| Efficiency ratio | 71.5495% | 3,696 |
| Assets per employee ($millions) | 5.2007% | 1,979 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,171 |
| Loan loss allowance to noncurrent loans | 699.6241% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,376 |
| Noncurrent loans to loans | 0.1337% | 6,069 |
| Net loans and leases to total assets | 43.5602% | 5,710 |
| Net loans and leases to deposits | 48.1697% | 5,912 |
| Net loans and leases to core deposits | 50.5358% | 5,933 |
| Total domestic deposits to total assets | 90.4308% | 801 |
| Equity capital to assets | 7.2445% | 6,664 |
| Core capital (leverage) ratio | 7.0338% | 6,634 |
| Tier 1 risk-based capital ratio | 12.3866% | 5,654 |
| Total risk-based capital ratio | 13.1341% | 5,951 |
| Memoranda: | ||
| Average total assets | $889,742,500 | 744 |
| Average earning assets | $818,107,500 | 740 |
| Average equity | $65,430,500 | 1,128 |
| Average total loans | $406,582,000 | 1,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 6,716 |
| Cost of funding earning assets | 0.2799% | 6,552 |
| Net interest margin | 2.8335% | 6,345 |
| Noninterest income to average assets | 0.7549% | 2,468 |
| Noninterest expense to average assets | 2.2866% | 5,726 |
| Loan and lease loss provision to assets | 0.0180% | 5,677 |
| Net operating income to assets | 1.0469% | 2,134 |
| Return on assets (ROA) | 1.0469% | 2,334 |
| Pretax return on assets | 1.0469% | 3,366 |
| Return on Equity (ROE) | 13.2962% | 1,157 |
| Retained earnings to average equity (ytd only) | 2.3353% | 4,588 |
| Net charge-offs to loans | -0.0262% | 6,595 |
| Credit loss provision to net charge-offs | -147.0588% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0770% | 4,128 |
| Assets per employee ($millions) | 5.0553% | 2,164 |
| Cash dividends to net income (ytd only)* | 82.4365% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 6,267 |
| Loan loss allowance to noncurrent loans | 626.6779% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 6,384 |
| Noncurrent loans to loans | 0.1435% | 6,124 |
| Net loans and leases to total assets | 47.0544% | 5,506 |
| Net loans and leases to deposits | 51.5088% | 5,845 |
| Net loans and leases to core deposits | 54.2170% | 5,858 |
| Total domestic deposits to total assets | 91.3523% | 383 |
| Equity capital to assets | 7.4670% | 6,648 |
| Core capital (leverage) ratio | 7.0947% | 6,673 |
| Tier 1 risk-based capital ratio | 11.8588% | 5,870 |
| Total risk-based capital ratio | 12.5903% | 6,165 |
| Memoranda: | ||
| Average total assets | $834,279,800 | 786 |
| Average earning assets | $764,518,400 | 779 |
| Average equity | $65,688,000 | 1,074 |
| Average total loans | $389,406,400 | 1,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1296% | 6,836 |
| Cost of funding earning assets | 0.2952% | 6,637 |
| Net interest margin | 2.8344% | 6,454 |
| Noninterest income to average assets | 0.7715% | 2,369 |
| Noninterest expense to average assets | 2.3874% | 5,435 |
| Loan and lease loss provision to assets | 0.0081% | 5,707 |
| Net operating income to assets | 0.9776% | 2,621 |
| Return on assets (ROA) | 0.9776% | 2,846 |
| Pretax return on assets | 0.9776% | 3,797 |
| Return on Equity (ROE) | 12.2479% | 1,550 |
| Retained earnings to average equity (ytd only) | 5.1541% | 3,252 |
| Net charge-offs to loans | -0.0289% | 6,571 |
| Credit loss provision to net charge-offs | -60.2410% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6297% | 3,569 |
| Assets per employee ($millions) | 4.7142% | 2,581 |
| Cash dividends to net income (ytd only)* | 57.9183% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,343 |
| Loan loss allowance to noncurrent loans | 690.0763% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,535 |
| Noncurrent loans to loans | 0.1325% | 6,268 |
| Net loans and leases to total assets | 48.0466% | 5,541 |
| Net loans and leases to deposits | 53.1884% | 5,878 |
| Net loans and leases to core deposits | 56.7918% | 5,827 |
| Total domestic deposits to total assets | 90.3328% | 662 |
| Equity capital to assets | 8.2180% | 6,478 |
| Core capital (leverage) ratio | 7.5131% | 6,615 |
| Tier 1 risk-based capital ratio | 12.5090% | 5,633 |
| Total risk-based capital ratio | 13.2438% | 5,926 |
| Memoranda: | ||
| Average total assets | $824,207,750 | 804 |
| Average earning assets | $756,487,750 | 796 |
| Average equity | $65,784,000 | 1,079 |
| Average total loans | $382,943,500 | 1,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1086% | 6,927 |
| Cost of funding earning assets | 0.3085% | 6,700 |
| Net interest margin | 2.8000% | 6,575 |
| Noninterest income to average assets | 0.7958% | 2,204 |
| Noninterest expense to average assets | 2.4259% | 5,364 |
| Loan and lease loss provision to assets | 0.0121% | 5,515 |
| Net operating income to assets | 0.9257% | 2,781 |
| Return on assets (ROA) | 0.9257% | 3,044 |
| Pretax return on assets | 0.9257% | 3,983 |
| Return on Equity (ROE) | 11.7116% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.3576% | 2,464 |
| Net charge-offs to loans | -0.0216% | 6,445 |
| Credit loss provision to net charge-offs | -121.9512% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9698% | 3,438 |
| Assets per employee ($millions) | 4.8480% | 2,361 |
| Cash dividends to net income (ytd only)* | 45.7158% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 6,367 |
| Loan loss allowance to noncurrent loans | 675.6144% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 6,565 |
| Noncurrent loans to loans | 0.1385% | 6,312 |
| Net loans and leases to total assets | 45.6487% | 5,851 |
| Net loans and leases to deposits | 50.4063% | 6,154 |
| Net loans and leases to core deposits | 53.3150% | 6,138 |
| Total domestic deposits to total assets | 90.5615% | 629 |
| Equity capital to assets | 8.0196% | 6,554 |
| Core capital (leverage) ratio | 7.4517% | 6,643 |
| Tier 1 risk-based capital ratio | 12.8620% | 5,284 |
| Total risk-based capital ratio | 13.6146% | 5,655 |
| Memoranda: | ||
| Average total assets | $827,090,670 | 801 |
| Average earning assets | $758,487,000 | 792 |
| Average equity | $65,371,000 | 1,078 |
| Average total loans | $378,770,000 | 1,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1339% | 6,985 |
| Cost of funding earning assets | 0.3180% | 6,784 |
| Net interest margin | 2.8159% | 6,611 |
| Noninterest income to average assets | 0.7660% | 2,317 |
| Noninterest expense to average assets | 2.3749% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9722% | 2,587 |
| Return on assets (ROA) | 0.9722% | 2,790 |
| Pretax return on assets | 0.9722% | 3,789 |
| Return on Equity (ROE) | 12.3922% | 1,556 |
| Retained earnings to average equity (ytd only) | 6.8379% | 2,507 |
| Net charge-offs to loans | -0.0520% | 6,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7942% | 3,657 |
| Assets per employee ($millions) | 4.6984% | 2,662 |
| Cash dividends to net income (ytd only)* | 44.8207% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 6,475 |
| Loan loss allowance to noncurrent loans | 1,424.1935% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 6,742 |
| Noncurrent loans to loans | 0.0652% | 6,588 |
| Net loans and leases to total assets | 45.5538% | 5,838 |
| Net loans and leases to deposits | 50.2040% | 6,123 |
| Net loans and leases to core deposits | 52.8853% | 6,134 |
| Total domestic deposits to total assets | 90.7374% | 669 |
| Equity capital to assets | 7.8589% | 6,607 |
| Core capital (leverage) ratio | 7.3699% | 6,703 |
| Tier 1 risk-based capital ratio | 12.7676% | 5,391 |
| Total risk-based capital ratio | 13.5179% | 5,747 |
| Memoranda: | ||
| Average total assets | $826,131,500 | 805 |
| Average earning assets | $757,258,000 | 795 |
| Average equity | $64,815,000 | 1,084 |
| Average total loans | $377,152,000 | 1,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 6,984 |
| Cost of funding earning assets | 0.3655% | 6,975 |
| Net interest margin | 3.1549% | 6,205 |
| Noninterest income to average assets | 0.8107% | 1,998 |
| Noninterest expense to average assets | 2.4015% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2980% | 1,254 |
| Return on assets (ROA) | 1.2980% | 1,358 |
| Pretax return on assets | 1.2980% | 2,141 |
| Return on Equity (ROE) | 13.1329% | 1,133 |
| Retained earnings to average equity (ytd only) | -17.4783% | 6,925 |
| Net charge-offs to loans | 0.0153% | 6,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 182.6545% | 186 |
| Efficiency ratio | 64.7679% | 4,992 |
| Assets per employee ($millions) | 4.6894% | 2,617 |
| Cash dividends to net income (ytd only)* | 233.0878% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,460 |
| Loan loss allowance to noncurrent loans | 962.1547% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 6,756 |
| Noncurrent loans to loans | 0.0968% | 6,571 |
| Net loans and leases to total assets | 44.9020% | 6,122 |
| Net loans and leases to deposits | 49.4404% | 6,403 |
| Net loans and leases to core deposits | 52.3474% | 6,411 |
| Total domestic deposits to total assets | 90.8204% | 577 |
| Equity capital to assets | 7.8323% | 6,669 |
| Core capital (leverage) ratio | 7.4531% | 6,676 |
| Tier 1 risk-based capital ratio | 12.8432% | 5,203 |
| Total risk-based capital ratio | 13.6016% | 5,548 |
| Memoranda: | ||
| Average total assets | $773,980,000 | 849 |
| Average earning assets | $708,664,400 | 841 |
| Average equity | $76,495,000 | 876 |
| Average total loans | $359,574,200 | 1,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 7,010 |
| Cost of funding earning assets | 0.3767% | 7,070 |
| Net interest margin | 3.2317% | 6,072 |
| Noninterest income to average assets | 0.8238% | 1,949 |
| Noninterest expense to average assets | 2.4902% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2938% | 1,394 |
| Return on assets (ROA) | 1.2938% | 1,489 |
| Pretax return on assets | 1.2938% | 2,306 |
| Return on Equity (ROE) | 12.3937% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.0743% | 2,517 |
| Net charge-offs to loans | 0.0120% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 230.7886% | 172 |
| Efficiency ratio | 65.6606% | 4,784 |
| Assets per employee ($millions) | 4.4094% | 3,062 |
| Cash dividends to net income (ytd only)* | 50.9884% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,454 |
| Loan loss allowance to noncurrent loans | 798.6333% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 6,870 |
| Noncurrent loans to loans | 0.1191% | 6,637 |
| Net loans and leases to total assets | 47.5916% | 6,002 |
| Net loans and leases to deposits | 54.2749% | 6,189 |
| Net loans and leases to core deposits | 58.4495% | 6,094 |
| Total domestic deposits to total assets | 87.6862% | 2,244 |
| Equity capital to assets | 10.7411% | 3,431 |
| Core capital (leverage) ratio | 10.1021% | 3,300 |
| Tier 1 risk-based capital ratio | 16.8319% | 2,705 |
| Total risk-based capital ratio | 17.6088% | 2,902 |
| Memoranda: | ||
| Average total assets | $761,140,500 | 866 |
| Average earning assets | $697,205,250 | 867 |
| Average equity | $79,458,000 | 851 |
| Average total loans | $355,948,750 | 1,205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 7,058 |
| Cost of funding earning assets | 0.3877% | 7,156 |
| Net interest margin | 3.2639% | 5,959 |
| Noninterest income to average assets | 0.9730% | 1,400 |
| Noninterest expense to average assets | 2.6723% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2926% | 1,339 |
| Return on assets (ROA) | 1.2926% | 1,411 |
| Pretax return on assets | 1.2926% | 2,159 |
| Return on Equity (ROE) | 12.5035% | 1,338 |
| Retained earnings to average equity (ytd only) | 5.9382% | 2,472 |
| Net charge-offs to loans | 0.0080% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 350.4286% | 93 |
| Efficiency ratio | 67.2603% | 4,654 |
| Assets per employee ($millions) | 4.3399% | 3,098 |
| Cash dividends to net income (ytd only)* | 52.5071% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,394 |
| Loan loss allowance to noncurrent loans | 751.3859% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 6,943 |
| Noncurrent loans to loans | 0.1310% | 6,650 |
| Net loans and leases to total assets | 47.2102% | 6,129 |
| Net loans and leases to deposits | 54.6780% | 6,254 |
| Net loans and leases to core deposits | 59.2958% | 6,161 |
| Total domestic deposits to total assets | 86.3423% | 3,133 |
| Equity capital to assets | 10.7517% | 3,226 |
| Core capital (leverage) ratio | 9.9491% | 3,326 |
| Tier 1 risk-based capital ratio | 16.9798% | 2,531 |
| Total risk-based capital ratio | 17.7812% | 2,680 |
| Memoranda: | ||
| Average total assets | $759,109,330 | 883 |
| Average earning assets | $695,847,670 | 875 |
| Average equity | $78,474,330 | 863 |
| Average total loans | $351,716,670 | 1,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 7,094 |
| Cost of funding earning assets | 0.3990% | 7,226 |
| Net interest margin | 3.2666% | 5,885 |
| Noninterest income to average assets | 0.8375% | 1,894 |
| Noninterest expense to average assets | 2.5747% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2572% | 1,370 |
| Return on assets (ROA) | 1.2572% | 1,424 |
| Pretax return on assets | 1.2572% | 2,173 |
| Return on Equity (ROE) | 12.4059% | 1,354 |
| Retained earnings to average equity (ytd only) | 5.2954% | 3,011 |
| Net charge-offs to loans | -0.0195% | 6,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0405% | 4,843 |
| Assets per employee ($millions) | 4.4839% | 2,917 |
| Cash dividends to net income (ytd only)* | 57.3155% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,409 |
| Loan loss allowance to noncurrent loans | 2,987.3950% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 7,151 |
| Noncurrent loans to loans | 0.0334% | 6,973 |
| Net loans and leases to total assets | 45.5158% | 6,332 |
| Net loans and leases to deposits | 52.2013% | 6,458 |
| Net loans and leases to core deposits | 57.1141% | 6,335 |
| Total domestic deposits to total assets | 87.1929% | 2,838 |
| Equity capital to assets | 10.0383% | 3,730 |
| Core capital (leverage) ratio | 9.7226% | 3,490 |
| Tier 1 risk-based capital ratio | 16.1882% | 2,817 |
| Total risk-based capital ratio | 16.9729% | 3,004 |
| Memoranda: | ||
| Average total assets | $763,266,500 | 883 |
| Average earning assets | $699,678,000 | 871 |
| Average equity | $77,350,000 | 868 |
| Average total loans | $348,587,000 | 1,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 7,142 |
| Cost of funding earning assets | 0.4840% | 7,318 |
| Net interest margin | 3.5100% | 5,211 |
| Noninterest income to average assets | 0.9008% | 1,848 |
| Noninterest expense to average assets | 2.5482% | 5,619 |
| Loan and lease loss provision to assets | 0.0243% | 6,879 |
| Net operating income to assets | 1.5317% | 713 |
| Return on assets (ROA) | 1.5317% | 777 |
| Pretax return on assets | 1.5317% | 1,296 |
| Return on Equity (ROE) | 14.1925% | 853 |
| Retained earnings to average equity (ytd only) | 5.0799% | 2,366 |
| Net charge-offs to loans | 0.0224% | 6,588 |
| Credit loss provision to net charge-offs | 236.4865% | 1,236 |
| Earnings coverage of net charge-offs (x) | 151.2703% | 166 |
| Efficiency ratio | 61.9441% | 5,741 |
| Assets per employee ($millions) | 4.3150% | 3,174 |
| Cash dividends to net income (ytd only)* | 64.2073% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 6,195 |
| Loan loss allowance to noncurrent loans | 524.9258% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,945 |
| Noncurrent loans to loans | 0.1979% | 6,673 |
| Net loans and leases to total assets | 44.8854% | 6,649 |
| Net loans and leases to deposits | 50.8440% | 6,810 |
| Net loans and leases to core deposits | 55.4155% | 6,726 |
| Total domestic deposits to total assets | 88.2806% | 2,078 |
| Equity capital to assets | 10.2331% | 3,460 |
| Core capital (leverage) ratio | 9.9334% | 3,158 |
| Tier 1 risk-based capital ratio | 16.8548% | 2,405 |
| Total risk-based capital ratio | 17.6795% | 2,523 |
| Memoranda: | ||
| Average total assets | $719,377,600 | 928 |
| Average earning assets | $656,558,800 | 929 |
| Average equity | $77,639,800 | 852 |
| Average total loans | $330,346,200 | 1,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 7,204 |
| Cost of funding earning assets | 0.5051% | 7,437 |
| Net interest margin | 3.5905% | 4,918 |
| Noninterest income to average assets | 0.9083% | 1,767 |
| Noninterest expense to average assets | 2.6386% | 5,161 |
| Loan and lease loss provision to assets | 0.0094% | 6,929 |
| Net operating income to assets | 1.5341% | 857 |
| Return on assets (ROA) | 1.5341% | 938 |
| Pretax return on assets | 1.5341% | 1,521 |
| Return on Equity (ROE) | 14.0229% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.2421% | 1,336 |
| Net charge-offs to loans | -0.0073% | 7,239 |
| Credit loss provision to net charge-offs | -277.7778% | 6,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9537% | 5,441 |
| Assets per employee ($millions) | 4.1936% | 3,456 |
| Cash dividends to net income (ytd only)* | 41.2239% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 6,174 |
| Loan loss allowance to noncurrent loans | 373.2694% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 6,998 |
| Noncurrent loans to loans | 0.2807% | 6,629 |
| Net loans and leases to total assets | 45.8855% | 6,706 |
| Net loans and leases to deposits | 53.4780% | 6,803 |
| Net loans and leases to core deposits | 57.9671% | 6,728 |
| Total domestic deposits to total assets | 85.8026% | 3,185 |
| Equity capital to assets | 11.0845% | 2,871 |
| Core capital (leverage) ratio | 10.4526% | 2,741 |
| Tier 1 risk-based capital ratio | 17.6257% | 2,133 |
| Total risk-based capital ratio | 18.4701% | 2,234 |
| Memoranda: | ||
| Average total assets | $711,519,000 | 944 |
| Average earning assets | $648,778,250 | 943 |
| Average equity | $77,842,000 | 853 |
| Average total loans | $327,797,000 | 1,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 7,217 |
| Cost of funding earning assets | 0.5206% | 7,517 |
| Net interest margin | 3.6406% | 4,630 |
| Noninterest income to average assets | 0.8858% | 1,743 |
| Noninterest expense to average assets | 2.7078% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4955% | 920 |
| Return on assets (ROA) | 1.4955% | 979 |
| Pretax return on assets | 1.4955% | 1,566 |
| Return on Equity (ROE) | 13.7311% | 1,090 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,411 |
| Net charge-offs to loans | -0.0049% | 7,111 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2795% | 5,281 |
| Assets per employee ($millions) | 4.0332% | 3,706 |
| Cash dividends to net income (ytd only)* | 41.0687% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,133 |
| Loan loss allowance to noncurrent loans | 439.4133% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 7,082 |
| Noncurrent loans to loans | 0.2414% | 6,751 |
| Net loans and leases to total assets | 46.0473% | 6,776 |
| Net loans and leases to deposits | 52.9336% | 6,928 |
| Net loans and leases to core deposits | 57.2460% | 6,874 |
| Total domestic deposits to total assets | 86.9906% | 2,530 |
| Equity capital to assets | 11.2356% | 2,656 |
| Core capital (leverage) ratio | 10.1939% | 2,946 |
| Tier 1 risk-based capital ratio | 17.4197% | 2,125 |
| Total risk-based capital ratio | 18.2594% | 2,228 |
| Memoranda: | ||
| Average total assets | $708,260,330 | 949 |
| Average earning assets | $645,384,330 | 949 |
| Average equity | $77,138,670 | 855 |
| Average total loans | $325,571,000 | 1,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 7,328 |
| Cost of funding earning assets | 0.5263% | 7,636 |
| Net interest margin | 3.6214% | 4,617 |
| Noninterest income to average assets | 0.8280% | 1,894 |
| Noninterest expense to average assets | 2.6651% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4609% | 959 |
| Return on assets (ROA) | 1.4609% | 1,036 |
| Pretax return on assets | 1.4609% | 1,616 |
| Return on Equity (ROE) | 13.6244% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.3507% | 1,995 |
| Net charge-offs to loans | -0.0442% | 7,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4565% | 5,400 |
| Assets per employee ($millions) | 3.9423% | 4,010 |
| Cash dividends to net income (ytd only)* | 46.0476% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 6,193 |
| Loan loss allowance to noncurrent loans | 347.6476% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 7,058 |
| Noncurrent loans to loans | 0.3044% | 6,715 |
| Net loans and leases to total assets | 44.7620% | 6,922 |
| Net loans and leases to deposits | 52.7101% | 6,998 |
| Net loans and leases to core deposits | 57.5600% | 6,904 |
| Total domestic deposits to total assets | 84.9210% | 3,714 |
| Equity capital to assets | 10.6535% | 3,083 |
| Core capital (leverage) ratio | 9.9816% | 3,185 |
| Tier 1 risk-based capital ratio | 16.6233% | 2,404 |
| Total risk-based capital ratio | 17.4512% | 2,524 |
| Memoranda: | ||
| Average total assets | $713,516,500 | 966 |
| Average earning assets | $649,810,000 | 964 |
| Average equity | $76,510,000 | 861 |
| Average total loans | $325,987,000 | 1,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 7,037 |
| Cost of funding earning assets | 0.6290% | 7,754 |
| Net interest margin | 4.1277% | 2,332 |
| Noninterest income to average assets | 0.9244% | 1,850 |
| Noninterest expense to average assets | 2.7585% | 5,129 |
| Loan and lease loss provision to assets | 0.0302% | 7,225 |
| Net operating income to assets | 1.8890% | 297 |
| Return on assets (ROA) | 1.8890% | 304 |
| Pretax return on assets | 1.8890% | 523 |
| Return on Equity (ROE) | 17.0291% | 457 |
| Retained earnings to average equity (ytd only) | 5.7255% | 1,461 |
| Net charge-offs to loans | 0.0293% | 6,835 |
| Credit loss provision to net charge-offs | 215.7895% | 1,770 |
| Earnings coverage of net charge-offs (x) | 137.1895% | 210 |
| Efficiency ratio | 58.7124% | 6,661 |
| Assets per employee ($millions) | 3.8133% | 4,255 |
| Cash dividends to net income (ytd only)* | 66.3782% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,080 |
| Loan loss allowance to noncurrent loans | 371.5676% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 7,095 |
| Noncurrent loans to loans | 0.2857% | 6,709 |
| Net loans and leases to total assets | 45.6593% | 7,012 |
| Net loans and leases to deposits | 52.1555% | 7,149 |
| Net loans and leases to core deposits | 63.3739% | 7,129 |
| Total domestic deposits to total assets | 87.5444% | 2,200 |
| Equity capital to assets | 10.7947% | 2,874 |
| Core capital (leverage) ratio | 10.0011% | 3,090 |
| Tier 1 risk-based capital ratio | 16.6803% | 2,243 |
| Total risk-based capital ratio | 17.5194% | 2,351 |
| Memoranda: | ||
| Average total assets | $679,071,600 | 1,012 |
| Average earning assets | $617,484,000 | 1,010 |
| Average equity | $75,330,000 | 853 |
| Average total loans | $324,230,200 | 1,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 6,980 |
| Cost of funding earning assets | 0.6579% | 7,850 |
| Net interest margin | 4.2051% | 2,040 |
| Noninterest income to average assets | 0.9353% | 1,836 |
| Noninterest expense to average assets | 2.8552% | 4,643 |
| Loan and lease loss provision to assets | 0.0406% | 6,961 |
| Net operating income to assets | 1.8652% | 388 |
| Return on assets (ROA) | 1.8652% | 409 |
| Pretax return on assets | 1.8652% | 705 |
| Return on Equity (ROE) | 16.6974% | 579 |
| Retained earnings to average equity (ytd only) | 9.9359% | 647 |
| Net charge-offs to loans | 0.0337% | 6,423 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 117.3909% | 315 |
| Efficiency ratio | 59.6706% | 6,460 |
| Assets per employee ($millions) | 3.6134% | 4,650 |
| Cash dividends to net income (ytd only)* | 40.4946% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 5,840 |
| Loan loss allowance to noncurrent loans | 314.7810% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 7,061 |
| Noncurrent loans to loans | 0.3431% | 6,670 |
| Net loans and leases to total assets | 46.7626% | 7,055 |
| Net loans and leases to deposits | 54.4778% | 7,176 |
| Net loans and leases to core deposits | 66.3835% | 7,144 |
| Total domestic deposits to total assets | 85.8379% | 2,787 |
| Equity capital to assets | 11.5205% | 2,564 |
| Core capital (leverage) ratio | 10.5081% | 2,787 |
| Tier 1 risk-based capital ratio | 17.3723% | 2,157 |
| Total risk-based capital ratio | 18.2334% | 2,228 |
| Memoranda: | ||
| Average total assets | $673,427,750 | 1,033 |
| Average earning assets | $612,671,750 | 1,035 |
| Average equity | $75,227,250 | 869 |
| Average total loans | $324,336,750 | 1,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 6,853 |
| Cost of funding earning assets | 0.6853% | 7,932 |
| Net interest margin | 4.2891% | 1,681 |
| Noninterest income to average assets | 0.9366% | 1,810 |
| Noninterest expense to average assets | 2.8858% | 4,553 |
| Loan and lease loss provision to assets | 0.0610% | 6,610 |
| Net operating income to assets | 1.8904% | 381 |
| Return on assets (ROA) | 1.8904% | 411 |
| Pretax return on assets | 1.8904% | 711 |
| Return on Equity (ROE) | 17.1018% | 569 |
| Retained earnings to average equity (ytd only) | 9.5703% | 801 |
| Net charge-offs to loans | 0.0515% | 5,769 |
| Credit loss provision to net charge-offs | 244.0476% | 1,904 |
| Earnings coverage of net charge-offs (x) | 78.1310% | 492 |
| Efficiency ratio | 59.2845% | 6,650 |
| Assets per employee ($millions) | 3.6158% | 4,533 |
| Cash dividends to net income (ytd only)* | 44.0390% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 5,795 |
| Loan loss allowance to noncurrent loans | 396.7779% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 7,153 |
| Noncurrent loans to loans | 0.2692% | 6,853 |
| Net loans and leases to total assets | 48.7911% | 6,970 |
| Net loans and leases to deposits | 56.3697% | 7,138 |
| Net loans and leases to core deposits | 68.0374% | 7,120 |
| Total domestic deposits to total assets | 86.5556% | 2,483 |
| Equity capital to assets | 11.4628% | 2,561 |
| Core capital (leverage) ratio | 10.1693% | 3,127 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,367 |
| Total risk-based capital ratio | 17.6469% | 2,431 |
| Memoranda: | ||
| Average total assets | $672,668,330 | 1,049 |
| Average earning assets | $611,735,330 | 1,049 |
| Average equity | $74,354,670 | 895 |
| Average total loans | $325,973,000 | 1,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 6,865 |
| Cost of funding earning assets | 0.7095% | 7,986 |
| Net interest margin | 4.3174% | 1,556 |
| Noninterest income to average assets | 0.9399% | 1,691 |
| Noninterest expense to average assets | 2.7786% | 4,660 |
| Loan and lease loss provision to assets | 0.1203% | 5,420 |
| Net operating income to assets | 1.9719% | 367 |
| Return on assets (ROA) | 1.9719% | 418 |
| Pretax return on assets | 1.9719% | 699 |
| Return on Equity (ROE) | 18.1620% | 581 |
| Retained earnings to average equity (ytd only) | 10.0564% | 1,173 |
| Net charge-offs to loans | 0.0379% | 4,978 |
| Credit loss provision to net charge-offs | 661.2903% | 876 |
| Earnings coverage of net charge-offs (x) | 115.0323% | 377 |
| Efficiency ratio | 56.6731% | 6,872 |
| Assets per employee ($millions) | 3.8323% | 4,020 |
| Cash dividends to net income (ytd only)* | 44.6296% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,642 |
| Loan loss allowance to noncurrent loans | 304.4348% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,944 |
| Noncurrent loans to loans | 0.3535% | 6,545 |
| Net loans and leases to total assets | 47.4424% | 7,068 |
| Net loans and leases to deposits | 54.4910% | 7,254 |
| Net loans and leases to core deposits | 65.0418% | 7,274 |
| Total domestic deposits to total assets | 87.0646% | 2,179 |
| Equity capital to assets | 11.1052% | 2,886 |
| Core capital (leverage) ratio | 9.7892% | 3,647 |
| Tier 1 risk-based capital ratio | 16.1614% | 2,631 |
| Total risk-based capital ratio | 17.0210% | 2,702 |
| Memoranda: | ||
| Average total assets | $681,773,000 | 1,031 |
| Average earning assets | $620,742,000 | 1,033 |
| Average equity | $74,022,500 | 905 |
| Average total loans | $327,576,500 | 1,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 6,935 |
| Cost of funding earning assets | 1.3505% | 7,796 |
| Net interest margin | 4.2986% | 1,978 |
| Noninterest income to average assets | 0.9733% | 1,679 |
| Noninterest expense to average assets | 2.4755% | 6,103 |
| Loan and lease loss provision to assets | 0.0984% | 6,126 |
| Net operating income to assets | 2.2896% | 198 |
| Return on assets (ROA) | 2.2896% | 194 |
| Pretax return on assets | 2.2899% | 323 |
| Return on Equity (ROE) | 23.6225% | 187 |
| Retained earnings to average equity (ytd only) | 15.4336% | 78 |
| Net charge-offs to loans | 0.1585% | 4,608 |
| Credit loss provision to net charge-offs | 127.1676% | 4,197 |
| Earnings coverage of net charge-offs (x) | 30.8728% | 1,145 |
| Efficiency ratio | 50.5194% | 7,625 |
| Assets per employee ($millions) | 3.8933% | 3,754 |
| Cash dividends to net income (ytd only)* | 34.6657% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 5,955 |
| Loan loss allowance to noncurrent loans | 253.3892% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 6,793 |
| Noncurrent loans to loans | 0.3981% | 6,154 |
| Net loans and leases to total assets | 47.6505% | 7,212 |
| Net loans and leases to deposits | 54.3836% | 7,413 |
| Net loans and leases to core deposits | 64.9672% | 7,400 |
| Total domestic deposits to total assets | 87.6193% | 1,660 |
| Equity capital to assets | 10.6120% | 3,376 |
| Core capital (leverage) ratio | 9.4108% | 4,140 |
| Tier 1 risk-based capital ratio | 15.5662% | 2,820 |
| Total risk-based capital ratio | 16.3763% | 2,913 |
| Memoranda: | ||
| Average total assets | $670,907,600 | 994 |
| Average earning assets | $607,195,200 | 1,000 |
| Average equity | $65,027,000 | 1,031 |
| Average total loans | $327,515,200 | 1,485 |