Home > FNB Bank, Inc. > Performance and Condition Ratios
FNB Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 2,086 |
| Cost of funding earning assets | 1.4945% | 1,958 |
| Net interest margin | 3.4961% | 2,191 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.5134% | 2,258 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0560% | 2,053 |
| Return on assets (ROA) | 1.0560% | 2,015 |
| Pretax return on assets | 1.3823% | 1,673 |
| Return on Equity (ROE) | 15.0000% | 1,288 |
| Retained earnings to average equity (ytd only) | -10.1833% | 4,466 |
| Net charge-offs to loans | 0.0178% | 2,004 |
| Credit loss provision to net charge-offs | 219.5122% | 1,155 |
| Earnings coverage of net charge-offs (x) | 113.7927% | 842 |
| Efficiency ratio | 60.4227% | 3,028 |
| Assets per employee ($millions) | 5.5309% | 3,221 |
| Cash dividends to net income (ytd only)* | 167.8785% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 604 |
| Loan loss allowance to noncurrent loans | 197.8770% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 754 |
| Noncurrent loans to loans | 0.8797% | 861 |
| Net loans and leases to total assets | 68.6200% | 1,964 |
| Net loans and leases to deposits | 74.1718% | 2,602 |
| Net loans and leases to core deposits | 80.1098% | 2,696 |
| Total domestic deposits to total assets | 92.5100% | 227 |
| Equity capital to assets | 6.9446% | 3,959 |
| Core capital (leverage) ratio | 8.2193% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6667% | 2,666 |
| Memoranda: | ||
| Average total assets | $664,206,400 | 1,359 |
| Average earning assets | $628,159,200 | 1,327 |
| Average equity | $46,752,800 | 1,690 |
| Average total loans | $461,089,200 | 1,322 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 59,529.0000% | 18 |
| Cost of funding earning assets | 150.0000% | 20 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0142% | 4,531 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.1292% | 1,950 |
| Pretax return on assets | 1.4793% | 1,606 |
| Return on Equity (ROE) | 15.9900% | 1,261 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0002% | 2,660 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.7749% | 4,600 |
| Assets per employee ($millions) | 0.1158% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 56.0000% | 4,481 |
| Equity capital to assets | 9,648.0000% | 24 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,487,000 | 4,622 |
| Average earning assets | $9,833 | 4,589 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 27,523.0000% | 19 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 58,445.0000% | 20 |
| Cost of funding earning assets | 150.0000% | 12 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.1527% | 1,958 |
| Pretax return on assets | 1.5087% | 1,585 |
| Return on Equity (ROE) | 16.0500% | 1,260 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,398 |
| Efficiency ratio | 0.0721% | 4,630 |
| Assets per employee ($millions) | 0.1285% | 4,613 |
| Cash dividends to net income (ytd only)* | 1.0319% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0060% | 4,526 |
| Total domestic deposits to total assets | 261.0000% | 18 |
| Equity capital to assets | 6,826.0000% | 35 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $985,000 | 4,653 |
| Average earning assets | $5,769 | 4,626 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 1,915 |
| Cost of funding earning assets | 1.0787% | 1,816 |
| Net interest margin | 3.5944% | 2,145 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.4135% | 2,490 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1722% | 2,017 |
| Return on assets (ROA) | 1.1722% | 1,982 |
| Pretax return on assets | 1.5353% | 1,593 |
| Return on Equity (ROE) | 16.0000% | 1,355 |
| Retained earnings to average equity (ytd only) | -22.5653% | 4,609 |
| Net charge-offs to loans | -0.0052% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7881% | 3,323 |
| Assets per employee ($millions) | 5.7533% | 2,977 |
| Cash dividends to net income (ytd only)* | 241.0256% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 656 |
| Loan loss allowance to noncurrent loans | 1,439.1304% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,304 |
| Noncurrent loans to loans | 0.1256% | 2,887 |
| Net loans and leases to total assets | 66.7800% | 1,978 |
| Net loans and leases to deposits | 72.7331% | 2,402 |
| Net loans and leases to core deposits | 76.3402% | 2,501 |
| Total domestic deposits to total assets | 91.8100% | 565 |
| Equity capital to assets | 7.2500% | 3,702 |
| Core capital (leverage) ratio | 8.2624% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2669% | 2,645 |
| Memoranda: | ||
| Average total assets | $665,413,500 | 1,372 |
| Average earning assets | $630,750,500 | 1,343 |
| Average equity | $48,747,500 | 1,643 |
| Average total loans | $458,269,000 | 1,320 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 1,699 |
| Cost of funding earning assets | 0.4393% | 1,792 |
| Net interest margin | 3.5680% | 1,734 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.4447% | 2,288 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.5216% | 835 |
| Return on assets (ROA) | 1.5216% | 809 |
| Pretax return on assets | 1.9892% | 487 |
| Return on Equity (ROE) | 19.7700% | 501 |
| Retained earnings to average equity (ytd only) | 14.1396% | 368 |
| Net charge-offs to loans | 0.0129% | 1,903 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 247.8545% | 550 |
| Efficiency ratio | 50.8549% | 4,073 |
| Assets per employee ($millions) | 5.6213% | 3,102 |
| Cash dividends to net income (ytd only)* | 28.4801% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 629 |
| Loan loss allowance to noncurrent loans | 1,027.7641% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,098 |
| Noncurrent loans to loans | 0.1774% | 2,595 |
| Net loans and leases to total assets | 68.4800% | 1,791 |
| Net loans and leases to deposits | 74.7605% | 2,191 |
| Net loans and leases to core deposits | 76.7271% | 2,371 |
| Total domestic deposits to total assets | 91.6000% | 754 |
| Equity capital to assets | 7.4036% | 3,436 |
| Core capital (leverage) ratio | 8.7423% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6981% | 2,487 |
| Memoranda: | ||
| Average total assets | $657,655,800 | 1,365 |
| Average earning assets | $624,826,800 | 1,337 |
| Average equity | $50,616,800 | 1,605 |
| Average total loans | $427,615,400 | 1,317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 1,684 |
| Cost of funding earning assets | 0.3479% | 1,724 |
| Net interest margin | 3.4727% | 1,741 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.3597% | 2,442 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.3480% | 1,216 |
| Return on assets (ROA) | 1.3480% | 1,195 |
| Pretax return on assets | 1.7689% | 784 |
| Return on Equity (ROE) | 17.3500% | 736 |
| Retained earnings to average equity (ytd only) | 13.4354% | 552 |
| Net charge-offs to loans | 0.0064% | 1,921 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 438.7500% | 356 |
| Efficiency ratio | 53.4535% | 3,872 |
| Assets per employee ($millions) | 5.7724% | 2,963 |
| Cash dividends to net income (ytd only)* | 22.5598% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 819 |
| Loan loss allowance to noncurrent loans | 1,602.6369% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,486 |
| Noncurrent loans to loans | 0.1086% | 3,106 |
| Net loans and leases to total assets | 67.2200% | 1,763 |
| Net loans and leases to deposits | 72.9338% | 2,133 |
| Net loans and leases to core deposits | 74.3647% | 2,321 |
| Total domestic deposits to total assets | 92.1700% | 828 |
| Equity capital to assets | 7.0045% | 3,519 |
| Core capital (leverage) ratio | 8.1485% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3791% | 2,696 |
| Memoranda: | ||
| Average total assets | $657,646,000 | 1,370 |
| Average earning assets | $625,403,500 | 1,346 |
| Average equity | $51,097,750 | 1,619 |
| Average total loans | $419,824,750 | 1,331 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 1,873 |
| Cost of funding earning assets | 0.3016% | 1,698 |
| Net interest margin | 3.2896% | 1,938 |
| Noninterest income to average assets | 0.6086% | 1,702 |
| Noninterest expense to average assets | 2.2883% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1141% | 1,725 |
| Return on assets (ROA) | 1.1141% | 1,700 |
| Pretax return on assets | 1.4552% | 1,297 |
| Return on Equity (ROE) | 13.8778% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.8778% | 372 |
| Net charge-offs to loans | 0.0015% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,590.0000% | 75 |
| Efficiency ratio | 57.1755% | 3,658 |
| Assets per employee ($millions) | 6.1484% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 776 |
| Loan loss allowance to noncurrent loans | 1,106.6104% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,465 |
| Noncurrent loans to loans | 0.1651% | 2,870 |
| Net loans and leases to total assets | 60.8700% | 2,232 |
| Net loans and leases to deposits | 66.0043% | 2,546 |
| Net loans and leases to core deposits | 67.6720% | 2,683 |
| Total domestic deposits to total assets | 92.2212% | 749 |
| Equity capital to assets | 7.0896% | 3,719 |
| Core capital (leverage) ratio | 8.0344% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8007% | 2,567 |
| Memoranda: | ||
| Average total assets | $655,585,000 | 1,378 |
| Average earning assets | $624,764,000 | 1,361 |
| Average equity | $52,631,000 | 1,615 |
| Average total loans | $408,390,667 | 1,353 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 1,679 |
| Cost of funding earning assets | 0.3079% | 1,575 |
| Net interest margin | 3.2285% | 1,791 |
| Noninterest income to average assets | 0.6365% | 1,546 |
| Noninterest expense to average assets | 2.3069% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0818% | 1,573 |
| Return on assets (ROA) | 1.0818% | 1,571 |
| Pretax return on assets | 1.4025% | 1,246 |
| Return on Equity (ROE) | 12.6660% | 1,115 |
| Retained earnings to average equity (ytd only) | 12.6660% | 507 |
| Net charge-offs to loans | -0.0020% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0875% | 3,671 |
| Assets per employee ($millions) | 6.0280% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9785% | 641 |
| Loan loss allowance to noncurrent loans | 1,630.0207% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,730 |
| Noncurrent loans to loans | 0.1214% | 3,217 |
| Net loans and leases to total assets | 58.8239% | 2,204 |
| Net loans and leases to deposits | 64.5098% | 2,481 |
| Net loans and leases to core deposits | 66.5572% | 2,576 |
| Total domestic deposits to total assets | 91.1859% | 939 |
| Equity capital to assets | 7.9136% | 3,634 |
| Core capital (leverage) ratio | 8.0421% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1880% | 2,537 |
| Memoranda: | ||
| Average total assets | $635,995,500 | 1,422 |
| Average earning assets | $605,353,500 | 1,400 |
| Average equity | $54,318,500 | 1,616 |
| Average total loans | $397,200,500 | 1,377 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 1,295 |
| Cost of funding earning assets | 0.4227% | 1,374 |
| Net interest margin | 3.6054% | 1,451 |
| Noninterest income to average assets | 0.6849% | 1,814 |
| Noninterest expense to average assets | 2.7470% | 1,487 |
| Loan and lease loss provision to assets | 0.0514% | 2,030 |
| Net operating income to assets | 1.0319% | 2,550 |
| Return on assets (ROA) | 1.0350% | 2,607 |
| Pretax return on assets | 1.2953% | 2,375 |
| Return on Equity (ROE) | 10.8381% | 2,224 |
| Retained earnings to average equity (ytd only) | 5.9892% | 2,365 |
| Net charge-offs to loans | 0.0012% | 2,623 |
| Credit loss provision to net charge-offs | 6,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 1,566.2000% | 94 |
| Efficiency ratio | 63.1012% | 2,697 |
| Assets per employee ($millions) | 5.3886% | 3,370 |
| Cash dividends to net income (ytd only)* | 44.7390% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 617 |
| Loan loss allowance to noncurrent loans | 1,780.7692% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,830 |
| Noncurrent loans to loans | 0.1115% | 3,371 |
| Net loans and leases to total assets | 63.8202% | 1,726 |
| Net loans and leases to deposits | 71.2218% | 1,991 |
| Net loans and leases to core deposits | 74.2011% | 2,062 |
| Total domestic deposits to total assets | 89.6076% | 1,165 |
| Equity capital to assets | 9.2236% | 3,396 |
| Core capital (leverage) ratio | 8.4531% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2155% | 2,560 |
| Memoranda: | ||
| Average total assets | $583,111,800 | 1,490 |
| Average earning assets | $550,698,400 | 1,471 |
| Average equity | $55,683,400 | 1,614 |
| Average total loans | $406,667,600 | 1,358 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 1,296 |
| Cost of funding earning assets | 0.4516% | 1,343 |
| Net interest margin | 3.6542% | 1,452 |
| Noninterest income to average assets | 0.7006% | 1,819 |
| Noninterest expense to average assets | 2.6265% | 1,765 |
| Loan and lease loss provision to assets | 0.0463% | 2,073 |
| Net operating income to assets | 1.1668% | 2,289 |
| Return on assets (ROA) | 1.1706% | 2,332 |
| Pretax return on assets | 1.4772% | 2,056 |
| Return on Equity (ROE) | 12.1492% | 1,998 |
| Retained earnings to average equity (ytd only) | 7.4699% | 2,239 |
| Net charge-offs to loans | -0.0020% | 3,213 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3095% | 3,088 |
| Assets per employee ($millions) | 5.0658% | 3,635 |
| Cash dividends to net income (ytd only)* | 38.5147% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 833 |
| Loan loss allowance to noncurrent loans | 1,680.7775% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,888 |
| Noncurrent loans to loans | 0.1103% | 3,541 |
| Net loans and leases to total assets | 71.3154% | 947 |
| Net loans and leases to deposits | 80.2601% | 1,265 |
| Net loans and leases to core deposits | 84.2948% | 1,401 |
| Total domestic deposits to total assets | 88.8553% | 1,370 |
| Equity capital to assets | 9.8446% | 3,061 |
| Core capital (leverage) ratio | 8.5362% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4809% | 2,869 |
| Memoranda: | ||
| Average total assets | $576,662,750 | 1,517 |
| Average earning assets | $543,576,000 | 1,505 |
| Average equity | $55,563,500 | 1,636 |
| Average total loans | $409,215,250 | 1,378 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 1,520 |
| Cost of funding earning assets | 0.4887% | 1,272 |
| Net interest margin | 3.5333% | 1,760 |
| Noninterest income to average assets | 0.6839% | 1,874 |
| Noninterest expense to average assets | 2.6302% | 1,772 |
| Loan and lease loss provision to assets | 0.0347% | 2,294 |
| Net operating income to assets | 1.0896% | 2,580 |
| Return on assets (ROA) | 1.0955% | 2,637 |
| Pretax return on assets | 1.3557% | 2,450 |
| Return on Equity (ROE) | 11.4522% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.5550% | 2,599 |
| Net charge-offs to loans | -0.0059% | 3,485 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3436% | 2,823 |
| Assets per employee ($millions) | 5.0943% | 3,568 |
| Cash dividends to net income (ytd only)* | 42.7621% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 809 |
| Loan loss allowance to noncurrent loans | 1,418.6347% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,986 |
| Noncurrent loans to loans | 0.1306% | 3,535 |
| Net loans and leases to total assets | 69.5420% | 1,257 |
| Net loans and leases to deposits | 78.2304% | 1,594 |
| Net loans and leases to core deposits | 82.9308% | 1,645 |
| Total domestic deposits to total assets | 88.8938% | 1,335 |
| Equity capital to assets | 9.5283% | 3,309 |
| Core capital (leverage) ratio | 8.0833% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3853% | 2,885 |
| Memoranda: | ||
| Average total assets | $576,382,333 | 1,508 |
| Average earning assets | $543,123,333 | 1,500 |
| Average equity | $55,133,667 | 1,640 |
| Average total loans | $405,743,333 | 1,393 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 1,523 |
| Cost of funding earning assets | 0.5120% | 1,319 |
| Net interest margin | 3.5318% | 1,742 |
| Noninterest income to average assets | 0.6654% | 1,973 |
| Noninterest expense to average assets | 2.6058% | 1,873 |
| Loan and lease loss provision to assets | 0.0700% | 1,761 |
| Net operating income to assets | 1.0203% | 2,749 |
| Return on assets (ROA) | 1.0209% | 2,829 |
| Pretax return on assets | 1.3162% | 2,524 |
| Return on Equity (ROE) | 10.6516% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.5412% | 3,049 |
| Net charge-offs to loans | -0.0030% | 3,225 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0449% | 2,905 |
| Assets per employee ($millions) | 5.0530% | 3,595 |
| Cash dividends to net income (ytd only)* | 47.9781% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 736 |
| Loan loss allowance to noncurrent loans | 749.9023% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,857 |
| Noncurrent loans to loans | 0.2542% | 3,192 |
| Net loans and leases to total assets | 67.4128% | 1,606 |
| Net loans and leases to deposits | 76.0018% | 1,908 |
| Net loans and leases to core deposits | 80.8177% | 1,929 |
| Total domestic deposits to total assets | 88.6989% | 1,504 |
| Equity capital to assets | 9.3204% | 3,368 |
| Core capital (leverage) ratio | 8.2121% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3983% | 2,839 |
| Memoranda: | ||
| Average total assets | $571,652,500 | 1,509 |
| Average earning assets | $538,315,000 | 1,501 |
| Average equity | $54,790,000 | 1,640 |
| Average total loans | $401,067,500 | 1,408 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,026 |
| Cost of funding earning assets | 0.7558% | 1,423 |
| Net interest margin | 3.4859% | 2,513 |
| Noninterest income to average assets | 0.5869% | 2,269 |
| Noninterest expense to average assets | 2.9249% | 1,617 |
| Loan and lease loss provision to assets | 0.2330% | 1,672 |
| Net operating income to assets | 0.5746% | 3,831 |
| Return on assets (ROA) | 0.6029% | 3,862 |
| Pretax return on assets | 0.7228% | 3,834 |
| Return on Equity (ROE) | 6.0098% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.2711% | 4,118 |
| Net charge-offs to loans | 0.0337% | 2,371 |
| Credit loss provision to net charge-offs | 946.9697% | 810 |
| Earnings coverage of net charge-offs (x) | 37.4545% | 1,438 |
| Efficiency ratio | 70.2515% | 1,917 |
| Assets per employee ($millions) | 4.8449% | 3,557 |
| Cash dividends to net income (ytd only)* | 78.8497% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 731 |
| Loan loss allowance to noncurrent loans | 727.7618% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,927 |
| Noncurrent loans to loans | 0.2607% | 3,260 |
| Net loans and leases to total assets | 70.3108% | 1,516 |
| Net loans and leases to deposits | 80.1823% | 1,846 |
| Net loans and leases to core deposits | 86.3878% | 1,840 |
| Total domestic deposits to total assets | 87.6886% | 1,614 |
| Equity capital to assets | 9.8624% | 3,252 |
| Core capital (leverage) ratio | 8.2931% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1472% | 2,884 |
| Memoranda: | ||
| Average total assets | $536,390,800 | 1,460 |
| Average earning assets | $501,592,200 | 1,452 |
| Average equity | $53,812,400 | 1,583 |
| Average total loans | $391,153,200 | 1,395 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,391 |
| Cost of funding earning assets | 0.8136% | 1,426 |
| Net interest margin | 3.3904% | 2,951 |
| Noninterest income to average assets | 0.6047% | 2,158 |
| Noninterest expense to average assets | 2.9194% | 1,651 |
| Loan and lease loss provision to assets | 0.2573% | 1,577 |
| Net operating income to assets | 0.5022% | 4,025 |
| Return on assets (ROA) | 0.5404% | 4,022 |
| Pretax return on assets | 0.6428% | 4,023 |
| Return on Equity (ROE) | 5.3628% | 3,766 |
| Retained earnings to average equity (ytd only) | 0.8793% | 4,289 |
| Net charge-offs to loans | 0.0291% | 2,253 |
| Credit loss provision to net charge-offs | 1,205.8824% | 731 |
| Earnings coverage of net charge-offs (x) | 40.0588% | 1,359 |
| Efficiency ratio | 71.0229% | 1,750 |
| Assets per employee ($millions) | 4.7548% | 3,534 |
| Cash dividends to net income (ytd only)* | 83.6043% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 680 |
| Loan loss allowance to noncurrent loans | 684.4588% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 2,908 |
| Noncurrent loans to loans | 0.2672% | 3,336 |
| Net loans and leases to total assets | 71.9973% | 1,667 |
| Net loans and leases to deposits | 83.7323% | 1,934 |
| Net loans and leases to core deposits | 90.6452% | 1,918 |
| Total domestic deposits to total assets | 85.9852% | 2,075 |
| Equity capital to assets | 9.9246% | 3,292 |
| Core capital (leverage) ratio | 8.2612% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2170% | 2,861 |
| Memoranda: | ||
| Average total assets | $531,199,000 | 1,456 |
| Average earning assets | $496,571,500 | 1,443 |
| Average equity | $53,528,250 | 1,581 |
| Average total loans | $389,112,000 | 1,389 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,499 |
| Cost of funding earning assets | 0.9012% | 1,369 |
| Net interest margin | 3.3891% | 3,137 |
| Noninterest income to average assets | 0.5892% | 2,172 |
| Noninterest expense to average assets | 2.9660% | 1,670 |
| Loan and lease loss provision to assets | 0.3051% | 1,409 |
| Net operating income to assets | 0.4145% | 4,207 |
| Return on assets (ROA) | 0.4725% | 4,145 |
| Pretax return on assets | 0.5560% | 4,145 |
| Return on Equity (ROE) | 4.6645% | 3,932 |
| Retained earnings to average equity (ytd only) | -0.1355% | 4,333 |
| Net charge-offs to loans | 0.0339% | 2,058 |
| Credit loss provision to net charge-offs | 1,230.7692% | 690 |
| Earnings coverage of net charge-offs (x) | 31.9846% | 1,383 |
| Efficiency ratio | 72.4635% | 1,626 |
| Assets per employee ($millions) | 4.7842% | 3,431 |
| Cash dividends to net income (ytd only)* | 102.9056% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 602 |
| Loan loss allowance to noncurrent loans | 885.9606% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,250 |
| Noncurrent loans to loans | 0.2074% | 3,639 |
| Net loans and leases to total assets | 70.4586% | 1,961 |
| Net loans and leases to deposits | 82.4665% | 2,154 |
| Net loans and leases to core deposits | 89.9867% | 2,072 |
| Total domestic deposits to total assets | 85.4391% | 2,230 |
| Equity capital to assets | 9.9395% | 3,263 |
| Core capital (leverage) ratio | 8.2641% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5197% | 2,806 |
| Memoranda: | ||
| Average total assets | $524,415,000 | 1,451 |
| Average earning assets | $490,461,333 | 1,434 |
| Average equity | $53,124,667 | 1,579 |
| Average total loans | $383,982,333 | 1,384 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 2,522 |
| Cost of funding earning assets | 1.0314% | 1,291 |
| Net interest margin | 3.3930% | 3,316 |
| Noninterest income to average assets | 0.6530% | 1,824 |
| Noninterest expense to average assets | 3.0946% | 1,652 |
| Loan and lease loss provision to assets | 0.0973% | 2,469 |
| Net operating income to assets | 0.5227% | 3,833 |
| Return on assets (ROA) | 0.6390% | 3,543 |
| Pretax return on assets | 0.7659% | 3,505 |
| Return on Equity (ROE) | 6.2455% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.5401% | 3,862 |
| Net charge-offs to loans | 0.0400% | 1,639 |
| Credit loss provision to net charge-offs | 328.9474% | 1,115 |
| Earnings coverage of net charge-offs (x) | 24.4474% | 1,299 |
| Efficiency ratio | 74.5973% | 1,735 |
| Assets per employee ($millions) | 4.4070% | 3,402 |
| Cash dividends to net income (ytd only)* | 91.3520% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 828 |
| Loan loss allowance to noncurrent loans | 774.6746% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 3,286 |
| Noncurrent loans to loans | 0.2231% | 3,684 |
| Net loans and leases to total assets | 72.8166% | 1,800 |
| Net loans and leases to deposits | 85.0937% | 2,102 |
| Net loans and leases to core deposits | 94.1766% | 1,959 |
| Total domestic deposits to total assets | 85.5722% | 2,181 |
| Equity capital to assets | 10.2998% | 3,519 |
| Core capital (leverage) ratio | 8.6465% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1965% | 3,042 |
| Memoranda: | ||
| Average total assets | $513,923,500 | 1,436 |
| Average earning assets | $479,346,500 | 1,426 |
| Average equity | $52,582,000 | 1,585 |
| Average total loans | $380,236,500 | 1,354 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 2,636 |
| Cost of funding earning assets | 1.0833% | 1,393 |
| Net interest margin | 3.5114% | 3,413 |
| Noninterest income to average assets | 0.5765% | 2,329 |
| Noninterest expense to average assets | 2.8437% | 2,467 |
| Loan and lease loss provision to assets | 0.0588% | 2,863 |
| Net operating income to assets | 0.8054% | 3,536 |
| Return on assets (ROA) | 0.8054% | 3,624 |
| Pretax return on assets | 0.9454% | 3,619 |
| Return on Equity (ROE) | 7.9278% | 3,195 |
| Retained earnings to average equity (ytd only) | 0.5033% | 4,544 |
| Net charge-offs to loans | 0.0702% | 2,090 |
| Credit loss provision to net charge-offs | 113.6364% | 2,211 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 2,001 |
| Efficiency ratio | 67.4422% | 2,539 |
| Assets per employee ($millions) | 4.4924% | 3,230 |
| Cash dividends to net income (ytd only)* | 93.6512% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 814 |
| Loan loss allowance to noncurrent loans | 1,579.2176% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,649 |
| Noncurrent loans to loans | 0.1072% | 4,100 |
| Net loans and leases to total assets | 72.6279% | 1,985 |
| Net loans and leases to deposits | 85.3793% | 2,166 |
| Net loans and leases to core deposits | 95.2785% | 1,961 |
| Total domestic deposits to total assets | 85.0650% | 2,466 |
| Equity capital to assets | 10.1639% | 3,770 |
| Core capital (leverage) ratio | 8.5172% | 4,835 |
| Tier 1 risk-based capital ratio | 11.0902% | 4,821 |
| Total risk-based capital ratio | 12.3451% | 4,713 |
| Memoranda: | ||
| Average total assets | $510,457,200 | 1,400 |
| Average earning assets | $475,563,600 | 1,398 |
| Average equity | $51,855,200 | 1,547 |
| Average total loans | $376,136,400 | 1,339 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,796 |
| Cost of funding earning assets | 1.0890% | 1,393 |
| Net interest margin | 3.4901% | 3,590 |
| Noninterest income to average assets | 0.5874% | 2,275 |
| Noninterest expense to average assets | 2.8633% | 2,365 |
| Loan and lease loss provision to assets | 0.0589% | 2,716 |
| Net operating income to assets | 0.7833% | 3,725 |
| Return on assets (ROA) | 0.7833% | 3,796 |
| Pretax return on assets | 0.9146% | 3,826 |
| Return on Equity (ROE) | 7.7122% | 3,428 |
| Retained earnings to average equity (ytd only) | -0.2837% | 4,789 |
| Net charge-offs to loans | 0.0665% | 1,876 |
| Credit loss provision to net charge-offs | 120.3209% | 1,948 |
| Earnings coverage of net charge-offs (x) | 19.8714% | 1,982 |
| Efficiency ratio | 68.1256% | 2,393 |
| Assets per employee ($millions) | 4.5166% | 3,174 |
| Cash dividends to net income (ytd only)* | 103.6789% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 809 |
| Loan loss allowance to noncurrent loans | 1,553.1250% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,293 |
| Noncurrent loans to loans | 0.1098% | 4,153 |
| Net loans and leases to total assets | 72.9820% | 2,002 |
| Net loans and leases to deposits | 88.5145% | 1,864 |
| Net loans and leases to core deposits | 99.5239% | 1,696 |
| Total domestic deposits to total assets | 82.4521% | 3,333 |
| Equity capital to assets | 10.2759% | 3,748 |
| Core capital (leverage) ratio | 8.6478% | 4,862 |
| Tier 1 risk-based capital ratio | 11.1716% | 4,836 |
| Total risk-based capital ratio | 12.4271% | 4,719 |
| Memoranda: | ||
| Average total assets | $508,913,750 | 1,409 |
| Average earning assets | $473,817,250 | 1,408 |
| Average equity | $51,691,500 | 1,553 |
| Average total loans | $374,751,250 | 1,350 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 2,810 |
| Cost of funding earning assets | 1.0967% | 1,313 |
| Net interest margin | 3.4620% | 3,708 |
| Noninterest income to average assets | 0.5696% | 2,289 |
| Noninterest expense to average assets | 2.8696% | 2,354 |
| Loan and lease loss provision to assets | 0.0590% | 2,644 |
| Net operating income to assets | 0.7612% | 3,790 |
| Return on assets (ROA) | 0.7616% | 3,851 |
| Pretax return on assets | 0.8638% | 3,945 |
| Return on Equity (ROE) | 7.5272% | 3,483 |
| Retained earnings to average equity (ytd only) | -0.2488% | 4,726 |
| Net charge-offs to loans | 0.0793% | 1,570 |
| Credit loss provision to net charge-offs | 101.3514% | 1,941 |
| Earnings coverage of net charge-offs (x) | 15.8446% | 1,965 |
| Efficiency ratio | 69.0975% | 2,370 |
| Assets per employee ($millions) | 5.0634% | 2,399 |
| Cash dividends to net income (ytd only)* | 103.3058% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 789 |
| Loan loss allowance to noncurrent loans | 1,889.7059% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 4,413 |
| Noncurrent loans to loans | 0.0909% | 4,276 |
| Net loans and leases to total assets | 72.6174% | 2,130 |
| Net loans and leases to deposits | 86.2294% | 2,231 |
| Net loans and leases to core deposits | 95.8302% | 2,087 |
| Total domestic deposits to total assets | 84.2142% | 2,776 |
| Equity capital to assets | 10.3471% | 3,651 |
| Core capital (leverage) ratio | 8.4451% | 4,984 |
| Tier 1 risk-based capital ratio | 11.2614% | 4,803 |
| Total risk-based capital ratio | 12.5172% | 4,692 |
| Memoranda: | ||
| Average total assets | $508,425,330 | 1,410 |
| Average earning assets | $473,254,330 | 1,406 |
| Average equity | $51,440,000 | 1,555 |
| Average total loans | $373,353,000 | 1,358 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 2,973 |
| Cost of funding earning assets | 1.0687% | 1,297 |
| Net interest margin | 3.4001% | 3,879 |
| Noninterest income to average assets | 0.5292% | 2,386 |
| Noninterest expense to average assets | 2.7786% | 2,646 |
| Loan and lease loss provision to assets | 0.0589% | 2,475 |
| Net operating income to assets | 0.7043% | 3,917 |
| Return on assets (ROA) | 0.7043% | 3,964 |
| Pretax return on assets | 0.8566% | 3,903 |
| Return on Equity (ROE) | 7.0402% | 3,666 |
| Retained earnings to average equity (ytd only) | -0.8084% | 4,625 |
| Net charge-offs to loans | 0.0107% | 2,301 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 116.6000% | 602 |
| Efficiency ratio | 68.4803% | 2,569 |
| Assets per employee ($millions) | 4.6136% | 3,023 |
| Cash dividends to net income (ytd only)* | 111.4827% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 742 |
| Loan loss allowance to noncurrent loans | 941.6546% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,103 |
| Noncurrent loans to loans | 0.1881% | 3,910 |
| Net loans and leases to total assets | 70.2573% | 2,445 |
| Net loans and leases to deposits | 84.0852% | 2,375 |
| Net loans and leases to core deposits | 93.7432% | 2,151 |
| Total domestic deposits to total assets | 83.5550% | 3,201 |
| Equity capital to assets | 9.9981% | 3,830 |
| Core capital (leverage) ratio | 8.4437% | 5,041 |
| Tier 1 risk-based capital ratio | 11.3574% | 4,804 |
| Total risk-based capital ratio | 12.6136% | 4,714 |
| Memoranda: | ||
| Average total assets | $509,470,000 | 1,410 |
| Average earning assets | $474,221,000 | 1,407 |
| Average equity | $50,964,500 | 1,556 |
| Average total loans | $372,973,000 | 1,363 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 2,538 |
| Cost of funding earning assets | 0.8717% | 1,212 |
| Net interest margin | 3.6015% | 3,377 |
| Noninterest income to average assets | 0.6212% | 2,183 |
| Noninterest expense to average assets | 2.9451% | 2,204 |
| Loan and lease loss provision to assets | 0.0607% | 2,943 |
| Net operating income to assets | 0.8018% | 3,798 |
| Return on assets (ROA) | 0.8016% | 3,799 |
| Pretax return on assets | 0.9658% | 3,710 |
| Return on Equity (ROE) | 7.8506% | 3,504 |
| Retained earnings to average equity (ytd only) | 0.8110% | 4,772 |
| Net charge-offs to loans | 0.0292% | 2,813 |
| Credit loss provision to net charge-offs | 280.3738% | 1,081 |
| Earnings coverage of net charge-offs (x) | 47.3925% | 1,172 |
| Efficiency ratio | 67.6794% | 2,601 |
| Assets per employee ($millions) | 4.6076% | 3,010 |
| Cash dividends to net income (ytd only)* | 89.6691% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 847 |
| Loan loss allowance to noncurrent loans | 1,070.6667% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,208 |
| Noncurrent loans to loans | 0.1580% | 4,030 |
| Net loans and leases to total assets | 73.6419% | 1,983 |
| Net loans and leases to deposits | 90.2281% | 1,765 |
| Net loans and leases to core deposits | 100.7221% | 1,665 |
| Total domestic deposits to total assets | 81.6175% | 3,750 |
| Equity capital to assets | 10.0088% | 3,676 |
| Core capital (leverage) ratio | 8.4492% | 5,052 |
| Tier 1 risk-based capital ratio | 10.8011% | 5,066 |
| Total risk-based capital ratio | 12.0561% | 4,951 |
| Memoranda: | ||
| Average total assets | $493,868,400 | 1,424 |
| Average earning assets | $459,470,800 | 1,415 |
| Average equity | $50,429,000 | 1,513 |
| Average total loans | $366,574,200 | 1,340 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,525 |
| Cost of funding earning assets | 0.8220% | 1,233 |
| Net interest margin | 3.6105% | 3,330 |
| Noninterest income to average assets | 0.6226% | 2,196 |
| Noninterest expense to average assets | 2.9733% | 2,094 |
| Loan and lease loss provision to assets | 0.0611% | 2,754 |
| Net operating income to assets | 0.7905% | 3,939 |
| Return on assets (ROA) | 0.7903% | 3,952 |
| Pretax return on assets | 0.9479% | 3,885 |
| Return on Equity (ROE) | 7.6999% | 3,664 |
| Retained earnings to average equity (ytd only) | 1.7423% | 4,657 |
| Net charge-offs to loans | 0.0051% | 3,253 |
| Credit loss provision to net charge-offs | 1,607.1429% | 256 |
| Earnings coverage of net charge-offs (x) | 265.2319% | 351 |
| Efficiency ratio | 68.1610% | 2,510 |
| Assets per employee ($millions) | 4.5498% | 3,043 |
| Cash dividends to net income (ytd only)* | 77.3728% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 828 |
| Loan loss allowance to noncurrent loans | 1,054.5008% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,357 |
| Noncurrent loans to loans | 0.1637% | 4,151 |
| Net loans and leases to total assets | 73.2710% | 2,118 |
| Net loans and leases to deposits | 91.4319% | 1,700 |
| Net loans and leases to core deposits | 103.1627% | 1,519 |
| Total domestic deposits to total assets | 80.1373% | 4,083 |
| Equity capital to assets | 9.9997% | 3,647 |
| Core capital (leverage) ratio | 8.5478% | 5,072 |
| Tier 1 risk-based capital ratio | 11.0498% | 5,010 |
| Total risk-based capital ratio | 12.3055% | 4,909 |
| Memoranda: | ||
| Average total assets | $490,627,000 | 1,438 |
| Average earning assets | $456,582,750 | 1,424 |
| Average equity | $50,354,250 | 1,510 |
| Average total loans | $363,301,250 | 1,351 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 2,511 |
| Cost of funding earning assets | 0.7722% | 1,273 |
| Net interest margin | 3.5977% | 3,321 |
| Noninterest income to average assets | 0.6221% | 2,216 |
| Noninterest expense to average assets | 2.9720% | 2,130 |
| Loan and lease loss provision to assets | 0.0616% | 2,672 |
| Net operating income to assets | 0.7884% | 3,892 |
| Return on assets (ROA) | 0.7884% | 3,893 |
| Pretax return on assets | 0.9386% | 3,848 |
| Return on Equity (ROE) | 7.6144% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.6687% | 4,580 |
| Net charge-offs to loans | 0.0056% | 2,956 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 243.7000% | 367 |
| Efficiency ratio | 68.2715% | 2,598 |
| Assets per employee ($millions) | 4.5611% | 3,032 |
| Cash dividends to net income (ytd only)* | 78.0843% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 811 |
| Loan loss allowance to noncurrent loans | 1,139.8927% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,429 |
| Noncurrent loans to loans | 0.1541% | 4,212 |
| Net loans and leases to total assets | 72.3413% | 2,223 |
| Net loans and leases to deposits | 89.0429% | 1,972 |
| Net loans and leases to core deposits | 99.4105% | 1,779 |
| Total domestic deposits to total assets | 81.2431% | 3,931 |
| Equity capital to assets | 10.1958% | 3,443 |
| Core capital (leverage) ratio | 8.5729% | 5,061 |
| Tier 1 risk-based capital ratio | 11.2116% | 4,945 |
| Total risk-based capital ratio | 12.4676% | 4,839 |
| Memoranda: | ||
| Average total assets | $487,344,330 | 1,449 |
| Average earning assets | $453,790,670 | 1,439 |
| Average equity | $50,457,000 | 1,505 |
| Average total loans | $360,019,670 | 1,361 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,380 |
| Cost of funding earning assets | 0.7400% | 1,241 |
| Net interest margin | 3.6024% | 3,169 |
| Noninterest income to average assets | 0.5991% | 2,264 |
| Noninterest expense to average assets | 2.9023% | 2,363 |
| Loan and lease loss provision to assets | 0.0619% | 2,541 |
| Net operating income to assets | 0.8442% | 3,528 |
| Return on assets (ROA) | 0.8442% | 3,545 |
| Pretax return on assets | 0.9894% | 3,574 |
| Return on Equity (ROE) | 8.0913% | 3,335 |
| Retained earnings to average equity (ytd only) | 2.1593% | 4,301 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7919% | 3,034 |
| Assets per employee ($millions) | 4.5456% | 3,082 |
| Cash dividends to net income (ytd only)* | 73.3138% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 854 |
| Loan loss allowance to noncurrent loans | 1,621.3368% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,681 |
| Noncurrent loans to loans | 0.1084% | 4,490 |
| Net loans and leases to total assets | 73.1485% | 2,005 |
| Net loans and leases to deposits | 88.1324% | 1,913 |
| Net loans and leases to core deposits | 98.2666% | 1,819 |
| Total domestic deposits to total assets | 82.9984% | 3,668 |
| Equity capital to assets | 10.4211% | 3,152 |
| Core capital (leverage) ratio | 8.5071% | 5,136 |
| Tier 1 risk-based capital ratio | 11.3722% | 4,939 |
| Total risk-based capital ratio | 12.6286% | 4,832 |
| Memoranda: | ||
| Average total assets | $484,714,500 | 1,462 |
| Average earning assets | $451,367,500 | 1,456 |
| Average equity | $50,573,000 | 1,512 |
| Average total loans | $358,665,500 | 1,370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,516 |
| Cost of funding earning assets | 0.5438% | 1,997 |
| Net interest margin | 3.7018% | 2,789 |
| Noninterest income to average assets | 0.6339% | 2,279 |
| Noninterest expense to average assets | 2.7404% | 2,996 |
| Loan and lease loss provision to assets | 0.0865% | 2,462 |
| Net operating income to assets | 0.8451% | 2,971 |
| Return on assets (ROA) | 0.8450% | 3,000 |
| Pretax return on assets | 1.2528% | 2,541 |
| Return on Equity (ROE) | 7.8361% | 2,870 |
| Retained earnings to average equity (ytd only) | 2.7084% | 3,691 |
| Net charge-offs to loans | 0.0369% | 3,051 |
| Credit loss provision to net charge-offs | 326.6129% | 880 |
| Earnings coverage of net charge-offs (x) | 50.5968% | 1,076 |
| Efficiency ratio | 65.5992% | 3,329 |
| Assets per employee ($millions) | 4.7804% | 2,759 |
| Cash dividends to net income (ytd only)* | 65.4371% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 880 |
| Loan loss allowance to noncurrent loans | 938.4036% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,456 |
| Noncurrent loans to loans | 0.1852% | 4,175 |
| Net loans and leases to total assets | 72.2606% | 2,189 |
| Net loans and leases to deposits | 90.9075% | 1,663 |
| Net loans and leases to core deposits | 102.6141% | 1,516 |
| Total domestic deposits to total assets | 79.4880% | 4,446 |
| Equity capital to assets | 10.4459% | 3,221 |
| Core capital (leverage) ratio | 8.5108% | 5,130 |
| Tier 1 risk-based capital ratio | 11.1695% | 5,053 |
| Total risk-based capital ratio | 12.4255% | 4,927 |
| Memoranda: | ||
| Average total assets | $468,399,200 | 1,482 |
| Average earning assets | $436,032,000 | 1,487 |
| Average equity | $50,509,600 | 1,509 |
| Average total loans | $335,588,800 | 1,428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 2,578 |
| Cost of funding earning assets | 0.4983% | 2,283 |
| Net interest margin | 3.7108% | 2,716 |
| Noninterest income to average assets | 0.6370% | 2,270 |
| Noninterest expense to average assets | 2.7989% | 2,729 |
| Loan and lease loss provision to assets | 0.0863% | 2,366 |
| Net operating income to assets | 0.9084% | 2,987 |
| Return on assets (ROA) | 0.9082% | 3,050 |
| Pretax return on assets | 1.2085% | 2,868 |
| Return on Equity (ROE) | 8.3537% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.4864% | 3,842 |
| Net charge-offs to loans | 0.0505% | 2,417 |
| Credit loss provision to net charge-offs | 240.0000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 36.0245% | 1,397 |
| Efficiency ratio | 66.7861% | 3,083 |
| Assets per employee ($millions) | 4.7837% | 2,719 |
| Cash dividends to net income (ytd only)* | 58.2647% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 958 |
| Loan loss allowance to noncurrent loans | 1,760.0575% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,833 |
| Noncurrent loans to loans | 0.0990% | 4,668 |
| Net loans and leases to total assets | 71.4965% | 2,332 |
| Net loans and leases to deposits | 92.9474% | 1,426 |
| Net loans and leases to core deposits | 105.0481% | 1,329 |
| Total domestic deposits to total assets | 76.9215% | 4,909 |
| Equity capital to assets | 10.6316% | 3,233 |
| Core capital (leverage) ratio | 8.6786% | 5,082 |
| Tier 1 risk-based capital ratio | 11.3088% | 5,069 |
| Total risk-based capital ratio | 12.5648% | 4,953 |
| Memoranda: | ||
| Average total assets | $463,599,500 | 1,508 |
| Average earning assets | $431,879,500 | 1,510 |
| Average equity | $50,403,500 | 1,528 |
| Average total loans | $329,843,000 | 1,459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 2,626 |
| Cost of funding earning assets | 0.4428% | 2,670 |
| Net interest margin | 3.7182% | 2,592 |
| Noninterest income to average assets | 0.6305% | 2,314 |
| Noninterest expense to average assets | 2.8918% | 2,451 |
| Loan and lease loss provision to assets | 0.1313% | 1,588 |
| Net operating income to assets | 0.8204% | 3,294 |
| Return on assets (ROA) | 0.8204% | 3,352 |
| Pretax return on assets | 1.0725% | 3,292 |
| Return on Equity (ROE) | 7.4877% | 3,294 |
| Retained earnings to average equity (ytd only) | 2.7954% | 4,036 |
| Net charge-offs to loans | 0.0688% | 1,943 |
| Credit loss provision to net charge-offs | 270.2703% | 1,030 |
| Earnings coverage of net charge-offs (x) | 24.7838% | 1,630 |
| Efficiency ratio | 69.0064% | 2,851 |
| Assets per employee ($millions) | 4.6067% | 2,932 |
| Cash dividends to net income (ytd only)* | 62.6667% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 790 |
| Loan loss allowance to noncurrent loans | 1,424.5940% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,740 |
| Noncurrent loans to loans | 0.1301% | 4,603 |
| Net loans and leases to total assets | 69.8866% | 2,545 |
| Net loans and leases to deposits | 84.8865% | 2,366 |
| Net loans and leases to core deposits | 94.4020% | 2,118 |
| Total domestic deposits to total assets | 82.3295% | 3,793 |
| Equity capital to assets | 10.9484% | 2,863 |
| Core capital (leverage) ratio | 8.7793% | 4,974 |
| Tier 1 risk-based capital ratio | 11.7000% | 4,840 |
| Total risk-based capital ratio | 12.9572% | 4,714 |
| Memoranda: | ||
| Average total assets | $457,082,000 | 1,537 |
| Average earning assets | $425,955,670 | 1,532 |
| Average equity | $50,082,330 | 1,536 |
| Average total loans | $322,603,330 | 1,486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 2,686 |
| Cost of funding earning assets | 0.4049% | 2,947 |
| Net interest margin | 3.6861% | 2,529 |
| Noninterest income to average assets | 0.6199% | 2,318 |
| Noninterest expense to average assets | 2.5855% | 3,547 |
| Loan and lease loss provision to assets | 0.1325% | 1,442 |
| Net operating income to assets | 0.9941% | 2,332 |
| Return on assets (ROA) | 0.9934% | 2,386 |
| Pretax return on assets | 1.3334% | 2,126 |
| Return on Equity (ROE) | 9.0628% | 2,387 |
| Retained earnings to average equity (ytd only) | 3.6251% | 3,627 |
| Net charge-offs to loans | 0.0050% | 2,802 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 415.2500% | 135 |
| Efficiency ratio | 62.1704% | 4,126 |
| Assets per employee ($millions) | 4.4071% | 3,319 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 787 |
| Loan loss allowance to noncurrent loans | 635.7664% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 4,376 |
| Noncurrent loans to loans | 0.2994% | 4,043 |
| Net loans and leases to total assets | 69.2107% | 2,503 |
| Net loans and leases to deposits | 82.1953% | 2,483 |
| Net loans and leases to core deposits | 89.6617% | 2,383 |
| Total domestic deposits to total assets | 84.2027% | 3,394 |
| Equity capital to assets | 11.0135% | 2,614 |
| Core capital (leverage) ratio | 8.9062% | 4,834 |
| Tier 1 risk-based capital ratio | 11.8708% | 4,794 |
| Total risk-based capital ratio | 13.1282% | 4,698 |
| Memoranda: | ||
| Average total assets | $452,987,000 | 1,557 |
| Average earning assets | $421,796,000 | 1,556 |
| Average equity | $49,653,500 | 1,545 |
| Average total loans | $318,253,500 | 1,503 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 2,550 |
| Cost of funding earning assets | 0.3705% | 3,312 |
| Net interest margin | 3.8105% | 2,281 |
| Noninterest income to average assets | 0.6758% | 2,288 |
| Noninterest expense to average assets | 2.5633% | 3,797 |
| Loan and lease loss provision to assets | 0.1125% | 2,189 |
| Net operating income to assets | 1.1122% | 1,849 |
| Return on assets (ROA) | 1.1119% | 1,948 |
| Pretax return on assets | 1.5401% | 1,462 |
| Return on Equity (ROE) | 9.9802% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.4923% | 1,462 |
| Net charge-offs to loans | 0.0130% | 3,841 |
| Credit loss provision to net charge-offs | 1,269.2308% | 311 |
| Earnings coverage of net charge-offs (x) | 186.5128% | 358 |
| Efficiency ratio | 59.1786% | 4,703 |
| Assets per employee ($millions) | 4.3465% | 3,364 |
| Cash dividends to net income (ytd only)* | 34.9479% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 836 |
| Loan loss allowance to noncurrent loans | 538.9493% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,304 |
| Noncurrent loans to loans | 0.3491% | 3,879 |
| Net loans and leases to total assets | 68.6420% | 2,676 |
| Net loans and leases to deposits | 83.3143% | 2,501 |
| Net loans and leases to core deposits | 91.5358% | 2,346 |
| Total domestic deposits to total assets | 82.3892% | 3,963 |
| Equity capital to assets | 10.9090% | 2,704 |
| Core capital (leverage) ratio | 8.9446% | 4,804 |
| Tier 1 risk-based capital ratio | 11.8690% | 4,811 |
| Total risk-based capital ratio | 13.1260% | 4,699 |
| Memoranda: | ||
| Average total assets | $440,049,800 | 1,541 |
| Average earning assets | $408,870,600 | 1,537 |
| Average equity | $49,027,200 | 1,549 |
| Average total loans | $298,968,800 | 1,517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 2,701 |
| Cost of funding earning assets | 0.3610% | 3,423 |
| Net interest margin | 3.7842% | 2,391 |
| Noninterest income to average assets | 0.6754% | 2,285 |
| Noninterest expense to average assets | 2.6010% | 3,657 |
| Loan and lease loss provision to assets | 0.1510% | 1,545 |
| Net operating income to assets | 1.0450% | 2,222 |
| Return on assets (ROA) | 1.0445% | 2,350 |
| Pretax return on assets | 1.4378% | 1,920 |
| Return on Equity (ROE) | 9.3252% | 2,348 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,859 |
| Net charge-offs to loans | 0.0136% | 3,476 |
| Credit loss provision to net charge-offs | 1,650.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 173.6623% | 416 |
| Efficiency ratio | 60.4324% | 4,476 |
| Assets per employee ($millions) | 4.3055% | 3,407 |
| Cash dividends to net income (ytd only)* | 29.4976% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9599% | 772 |
| Loan loss allowance to noncurrent loans | 1,298.2571% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 5,018 |
| Noncurrent loans to loans | 0.1510% | 4,743 |
| Net loans and leases to total assets | 67.2184% | 2,919 |
| Net loans and leases to deposits | 81.1475% | 2,834 |
| Net loans and leases to core deposits | 90.3304% | 2,546 |
| Total domestic deposits to total assets | 82.8348% | 3,653 |
| Equity capital to assets | 11.3485% | 2,658 |
| Core capital (leverage) ratio | 8.8740% | 4,973 |
| Tier 1 risk-based capital ratio | 12.0786% | 4,738 |
| Total risk-based capital ratio | 13.3365% | 4,643 |
| Memoranda: | ||
| Average total assets | $437,052,000 | 1,548 |
| Average earning assets | $405,954,000 | 1,542 |
| Average equity | $48,955,750 | 1,560 |
| Average total loans | $294,651,000 | 1,543 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 2,833 |
| Cost of funding earning assets | 0.3505% | 3,561 |
| Net interest margin | 3.7556% | 2,497 |
| Noninterest income to average assets | 0.6788% | 2,240 |
| Noninterest expense to average assets | 2.5656% | 3,833 |
| Loan and lease loss provision to assets | 0.1518% | 1,507 |
| Net operating income to assets | 1.0520% | 2,159 |
| Return on assets (ROA) | 1.0517% | 2,290 |
| Pretax return on assets | 1.4499% | 1,837 |
| Return on Equity (ROE) | 9.4312% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.3280% | 1,461 |
| Net charge-offs to loans | 0.0288% | 2,903 |
| Credit loss provision to net charge-offs | 785.7143% | 460 |
| Earnings coverage of net charge-offs (x) | 82.9524% | 685 |
| Efficiency ratio | 59.9029% | 4,652 |
| Assets per employee ($millions) | 4.3775% | 3,254 |
| Cash dividends to net income (ytd only)* | 22.3000% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 793 |
| Loan loss allowance to noncurrent loans | 864.4245% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 4,900 |
| Noncurrent loans to loans | 0.2274% | 4,525 |
| Net loans and leases to total assets | 65.8852% | 3,100 |
| Net loans and leases to deposits | 78.9417% | 3,062 |
| Net loans and leases to core deposits | 86.8346% | 2,832 |
| Total domestic deposits to total assets | 83.4606% | 3,479 |
| Equity capital to assets | 11.4347% | 2,615 |
| Core capital (leverage) ratio | 8.7874% | 5,071 |
| Tier 1 risk-based capital ratio | 12.1803% | 4,713 |
| Total risk-based capital ratio | 13.4380% | 4,629 |
| Memoranda: | ||
| Average total assets | $434,913,330 | 1,564 |
| Average earning assets | $404,031,670 | 1,557 |
| Average equity | $48,498,670 | 1,569 |
| Average total loans | $291,517,670 | 1,562 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 2,851 |
| Cost of funding earning assets | 0.3473% | 3,625 |
| Net interest margin | 3.7501% | 2,479 |
| Noninterest income to average assets | 0.5998% | 2,536 |
| Noninterest expense to average assets | 2.5126% | 4,030 |
| Loan and lease loss provision to assets | 0.1523% | 1,388 |
| Net operating income to assets | 1.0000% | 2,278 |
| Return on assets (ROA) | 0.9993% | 2,401 |
| Pretax return on assets | 1.4109% | 1,871 |
| Return on Equity (ROE) | 9.0780% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.5750% | 1,235 |
| Net charge-offs to loans | 0.0248% | 2,437 |
| Credit loss provision to net charge-offs | 916.6667% | 394 |
| Earnings coverage of net charge-offs (x) | 94.1667% | 558 |
| Efficiency ratio | 59.9366% | 4,753 |
| Assets per employee ($millions) | 4.3247% | 3,374 |
| Cash dividends to net income (ytd only)* | 5.5402% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 885 |
| Loan loss allowance to noncurrent loans | 1,135.2113% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 5,118 |
| Noncurrent loans to loans | 0.1724% | 4,793 |
| Net loans and leases to total assets | 65.3652% | 3,051 |
| Net loans and leases to deposits | 74.4647% | 3,383 |
| Net loans and leases to core deposits | 80.4359% | 3,285 |
| Total domestic deposits to total assets | 87.7801% | 1,761 |
| Equity capital to assets | 11.1930% | 2,732 |
| Core capital (leverage) ratio | 8.6546% | 5,226 |
| Tier 1 risk-based capital ratio | 12.0629% | 4,875 |
| Total risk-based capital ratio | 13.3206% | 4,782 |
| Memoranda: | ||
| Average total assets | $433,493,000 | 1,567 |
| Average earning assets | $401,910,000 | 1,562 |
| Average equity | $47,720,000 | 1,584 |
| Average total loans | $290,177,500 | 1,559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,562 |
| Cost of funding earning assets | 0.3270% | 3,942 |
| Net interest margin | 3.8729% | 2,122 |
| Noninterest income to average assets | 0.6602% | 2,404 |
| Noninterest expense to average assets | 2.6599% | 3,731 |
| Loan and lease loss provision to assets | 0.1835% | 1,226 |
| Net operating income to assets | 1.0082% | 2,319 |
| Return on assets (ROA) | 1.0101% | 2,399 |
| Pretax return on assets | 1.3922% | 1,931 |
| Return on Equity (ROE) | 9.2761% | 2,331 |
| Retained earnings to average equity (ytd only) | 3.3557% | 3,658 |
| Net charge-offs to loans | 0.1271% | 2,103 |
| Credit loss provision to net charge-offs | 215.4696% | 1,320 |
| Earnings coverage of net charge-offs (x) | 18.4696% | 2,010 |
| Efficiency ratio | 56.8673% | 5,266 |
| Assets per employee ($millions) | 4.3022% | 3,381 |
| Cash dividends to net income (ytd only)* | 63.8248% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 990 |
| Loan loss allowance to noncurrent loans | 1,655.1205% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,321 |
| Noncurrent loans to loans | 0.1137% | 5,047 |
| Net loans and leases to total assets | 65.9430% | 2,986 |
| Net loans and leases to deposits | 75.2542% | 3,346 |
| Net loans and leases to core deposits | 83.1483% | 3,036 |
| Total domestic deposits to total assets | 87.6270% | 1,834 |
| Equity capital to assets | 10.8244% | 3,000 |
| Core capital (leverage) ratio | 8.5017% | 5,434 |
| Tier 1 risk-based capital ratio | 11.6299% | 5,174 |
| Total risk-based capital ratio | 12.8866% | 5,085 |
| Memoranda: | ||
| Average total assets | $425,020,200 | 1,566 |
| Average earning assets | $392,088,400 | 1,555 |
| Average equity | $46,280,000 | 1,596 |
| Average total loans | $284,746,400 | 1,534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,663 |
| Cost of funding earning assets | 0.3223% | 4,078 |
| Net interest margin | 3.8525% | 2,177 |
| Noninterest income to average assets | 0.6559% | 2,445 |
| Noninterest expense to average assets | 2.4960% | 4,207 |
| Loan and lease loss provision to assets | 0.1845% | 1,120 |
| Net operating income to assets | 1.0998% | 2,006 |
| Return on assets (ROA) | 1.1026% | 2,071 |
| Pretax return on assets | 1.5316% | 1,596 |
| Return on Equity (ROE) | 10.1101% | 2,062 |
| Retained earnings to average equity (ytd only) | 2.1840% | 4,796 |
| Net charge-offs to loans | 0.1852% | 1,376 |
| Credit loss provision to net charge-offs | 148.8550% | 1,694 |
| Earnings coverage of net charge-offs (x) | 13.8116% | 2,290 |
| Efficiency ratio | 55.8846% | 5,367 |
| Assets per employee ($millions) | 4.4952% | 3,017 |
| Cash dividends to net income (ytd only)* | 78.3977% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 1,234 |
| Loan loss allowance to noncurrent loans | 709.0175% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,056 |
| Noncurrent loans to loans | 0.2562% | 4,659 |
| Net loans and leases to total assets | 66.6709% | 2,900 |
| Net loans and leases to deposits | 79.0068% | 2,992 |
| Net loans and leases to core deposits | 88.1875% | 2,645 |
| Total domestic deposits to total assets | 84.3863% | 3,267 |
| Equity capital to assets | 10.8557% | 3,187 |
| Core capital (leverage) ratio | 8.3175% | 5,701 |
| Tier 1 risk-based capital ratio | 11.4383% | 5,410 |
| Total risk-based capital ratio | 12.6942% | 5,323 |
| Memoranda: | ||
| Average total assets | $422,645,500 | 1,581 |
| Average earning assets | $389,732,000 | 1,574 |
| Average equity | $46,091,500 | 1,610 |
| Average total loans | $282,925,500 | 1,543 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 2,728 |
| Cost of funding earning assets | 0.3151% | 4,220 |
| Net interest margin | 3.8314% | 2,198 |
| Noninterest income to average assets | 0.6363% | 2,548 |
| Noninterest expense to average assets | 2.4199% | 4,485 |
| Loan and lease loss provision to assets | 0.1852% | 1,093 |
| Net operating income to assets | 1.1245% | 1,862 |
| Return on assets (ROA) | 1.1283% | 1,924 |
| Pretax return on assets | 1.5699% | 1,426 |
| Return on Equity (ROE) | 10.3299% | 1,923 |
| Retained earnings to average equity (ytd only) | 2.7216% | 4,329 |
| Net charge-offs to loans | 0.0748% | 2,324 |
| Credit loss provision to net charge-offs | 371.4286% | 793 |
| Earnings coverage of net charge-offs (x) | 35.0952% | 1,230 |
| Efficiency ratio | 54.5610% | 5,536 |
| Assets per employee ($millions) | 4.7062% | 2,670 |
| Cash dividends to net income (ytd only)* | 73.6532% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 1,175 |
| Loan loss allowance to noncurrent loans | 719.5973% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 5,164 |
| Noncurrent loans to loans | 0.2632% | 4,729 |
| Net loans and leases to total assets | 65.5580% | 3,028 |
| Net loans and leases to deposits | 78.9014% | 2,918 |
| Net loans and leases to core deposits | 85.5022% | 2,821 |
| Total domestic deposits to total assets | 83.0885% | 3,913 |
| Equity capital to assets | 10.7919% | 3,121 |
| Core capital (leverage) ratio | 8.3513% | 5,673 |
| Tier 1 risk-based capital ratio | 11.5199% | 5,448 |
| Total risk-based capital ratio | 12.7764% | 5,366 |
| Memoranda: | ||
| Average total assets | $421,178,330 | 1,595 |
| Average earning assets | $388,422,330 | 1,591 |
| Average equity | $46,002,330 | 1,620 |
| Average total loans | $280,572,670 | 1,561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,742 |
| Cost of funding earning assets | 0.3149% | 4,281 |
| Net interest margin | 3.8075% | 2,205 |
| Noninterest income to average assets | 0.5991% | 2,658 |
| Noninterest expense to average assets | 2.3858% | 4,634 |
| Loan and lease loss provision to assets | 0.1857% | 1,023 |
| Net operating income to assets | 1.1068% | 1,844 |
| Return on assets (ROA) | 1.1143% | 1,925 |
| Pretax return on assets | 1.5505% | 1,391 |
| Return on Equity (ROE) | 10.1412% | 1,934 |
| Retained earnings to average equity (ytd only) | 3.6404% | 3,822 |
| Net charge-offs to loans | -0.0057% | 4,536 |
| Credit loss provision to net charge-offs | -4,875.0000% | 5,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5054% | 5,634 |
| Assets per employee ($millions) | 4.6164% | 2,883 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 1,302 |
| Loan loss allowance to noncurrent loans | 1,016.5703% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,458 |
| Noncurrent loans to loans | 0.1861% | 5,114 |
| Net loans and leases to total assets | 65.1351% | 2,913 |
| Net loans and leases to deposits | 75.8387% | 3,077 |
| Net loans and leases to core deposits | 81.3903% | 3,018 |
| Total domestic deposits to total assets | 85.8863% | 3,003 |
| Equity capital to assets | 11.0637% | 2,905 |
| Core capital (leverage) ratio | 8.4130% | 5,616 |
| Tier 1 risk-based capital ratio | 11.4931% | 5,561 |
| Total risk-based capital ratio | 12.7503% | 5,473 |
| Memoranda: | ||
| Average total assets | $419,988,000 | 1,612 |
| Average earning assets | $387,444,500 | 1,599 |
| Average equity | $46,148,500 | 1,620 |
| Average total loans | $279,340,000 | 1,560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,067 |
| Cost of funding earning assets | 0.3278% | 4,517 |
| Net interest margin | 3.8361% | 2,485 |
| Noninterest income to average assets | 0.6341% | 2,650 |
| Noninterest expense to average assets | 2.4626% | 4,662 |
| Loan and lease loss provision to assets | 0.1897% | 1,351 |
| Net operating income to assets | 1.0844% | 2,039 |
| Return on assets (ROA) | 1.0638% | 2,173 |
| Pretax return on assets | 1.4703% | 1,657 |
| Return on Equity (ROE) | 9.8069% | 2,197 |
| Retained earnings to average equity (ytd only) | 1.5243% | 5,069 |
| Net charge-offs to loans | 0.1108% | 2,932 |
| Credit loss provision to net charge-offs | 264.4068% | 972 |
| Earnings coverage of net charge-offs (x) | 23.5424% | 1,578 |
| Efficiency ratio | 55.7547% | 5,691 |
| Assets per employee ($millions) | 4.6141% | 2,850 |
| Cash dividends to net income (ytd only)* | 84.4571% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 1,502 |
| Loan loss allowance to noncurrent loans | 673.3422% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 5,305 |
| Noncurrent loans to loans | 0.2695% | 4,883 |
| Net loans and leases to total assets | 65.4227% | 2,986 |
| Net loans and leases to deposits | 75.8178% | 3,219 |
| Net loans and leases to core deposits | 82.4879% | 3,045 |
| Total domestic deposits to total assets | 86.2894% | 2,680 |
| Equity capital to assets | 10.9124% | 2,995 |
| Core capital (leverage) ratio | 8.0200% | 5,990 |
| Tier 1 risk-based capital ratio | 11.1305% | 5,852 |
| Total risk-based capital ratio | 12.3866% | 5,787 |
| Memoranda: | ||
| Average total assets | $411,268,800 | 1,610 |
| Average earning assets | $377,071,800 | 1,603 |
| Average equity | $44,611,600 | 1,620 |
| Average total loans | $266,354,600 | 1,593 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 3,233 |
| Cost of funding earning assets | 0.3255% | 4,610 |
| Net interest margin | 3.8106% | 2,575 |
| Noninterest income to average assets | 0.6205% | 2,745 |
| Noninterest expense to average assets | 2.4514% | 4,664 |
| Loan and lease loss provision to assets | 0.1907% | 1,270 |
| Net operating income to assets | 1.0667% | 2,167 |
| Return on assets (ROA) | 1.0396% | 2,342 |
| Pretax return on assets | 1.4326% | 1,879 |
| Return on Equity (ROE) | 9.5989% | 2,403 |
| Retained earnings to average equity (ytd only) | 1.0983% | 5,447 |
| Net charge-offs to loans | 0.1384% | 2,415 |
| Credit loss provision to net charge-offs | 214.2857% | 1,194 |
| Earnings coverage of net charge-offs (x) | 18.6630% | 1,828 |
| Efficiency ratio | 55.9959% | 5,663 |
| Assets per employee ($millions) | 4.6695% | 2,709 |
| Cash dividends to net income (ytd only)* | 88.5579% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 1,792 |
| Loan loss allowance to noncurrent loans | 586.6029% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 5,338 |
| Noncurrent loans to loans | 0.3002% | 5,003 |
| Net loans and leases to total assets | 65.0899% | 3,009 |
| Net loans and leases to deposits | 81.4799% | 2,490 |
| Net loans and leases to core deposits | 89.6920% | 2,257 |
| Total domestic deposits to total assets | 79.8846% | 5,128 |
| Equity capital to assets | 10.7460% | 3,245 |
| Core capital (leverage) ratio | 8.0003% | 6,068 |
| Tier 1 risk-based capital ratio | 10.9449% | 6,019 |
| Total risk-based capital ratio | 12.2002% | 5,964 |
| Memoranda: | ||
| Average total assets | $409,116,000 | 1,631 |
| Average earning assets | $374,835,000 | 1,625 |
| Average equity | $44,309,750 | 1,633 |
| Average total loans | $262,999,750 | 1,618 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,298 |
| Cost of funding earning assets | 0.3216% | 4,739 |
| Net interest margin | 3.7888% | 2,605 |
| Noninterest income to average assets | 0.6270% | 2,668 |
| Noninterest expense to average assets | 2.4435% | 4,759 |
| Loan and lease loss provision to assets | 0.1924% | 1,272 |
| Net operating income to assets | 1.0579% | 2,090 |
| Return on assets (ROA) | 1.0345% | 2,250 |
| Pretax return on assets | 1.4228% | 1,808 |
| Return on Equity (ROE) | 9.5261% | 2,365 |
| Retained earnings to average equity (ytd only) | -0.3543% | 5,742 |
| Net charge-offs to loans | 0.0900% | 2,783 |
| Credit loss provision to net charge-offs | 336.2069% | 782 |
| Earnings coverage of net charge-offs (x) | 28.7845% | 1,294 |
| Efficiency ratio | 56.0540% | 5,746 |
| Assets per employee ($millions) | 4.5954% | 2,776 |
| Cash dividends to net income (ytd only)* | 103.7196% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,692 |
| Loan loss allowance to noncurrent loans | 635.2480% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 5,403 |
| Noncurrent loans to loans | 0.2918% | 5,145 |
| Net loans and leases to total assets | 62.9862% | 3,240 |
| Net loans and leases to deposits | 78.0578% | 2,795 |
| Net loans and leases to core deposits | 84.2156% | 2,718 |
| Total domestic deposits to total assets | 80.6918% | 5,072 |
| Equity capital to assets | 10.8914% | 2,985 |
| Core capital (leverage) ratio | 8.0782% | 6,036 |
| Tier 1 risk-based capital ratio | 11.4198% | 5,847 |
| Total risk-based capital ratio | 12.6761% | 5,796 |
| Memoranda: | ||
| Average total assets | $405,404,330 | 1,643 |
| Average earning assets | $370,615,000 | 1,636 |
| Average equity | $44,026,330 | 1,628 |
| Average total loans | $257,851,330 | 1,642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,233 |
| Cost of funding earning assets | 0.3262% | 4,781 |
| Net interest margin | 3.7852% | 2,527 |
| Noninterest income to average assets | 0.5887% | 2,800 |
| Noninterest expense to average assets | 2.4301% | 4,845 |
| Loan and lease loss provision to assets | 0.1933% | 1,222 |
| Net operating income to assets | 1.0374% | 2,057 |
| Return on assets (ROA) | 0.9911% | 2,301 |
| Pretax return on assets | 1.3518% | 1,909 |
| Return on Equity (ROE) | 9.1393% | 2,397 |
| Retained earnings to average equity (ytd only) | -0.2285% | 5,603 |
| Net charge-offs to loans | 0.1675% | 1,714 |
| Credit loss provision to net charge-offs | 182.2430% | 1,113 |
| Earnings coverage of net charge-offs (x) | 15.1682% | 1,560 |
| Efficiency ratio | 56.4417% | 5,802 |
| Assets per employee ($millions) | 4.6837% | 2,677 |
| Cash dividends to net income (ytd only)* | 102.5000% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 1,828 |
| Loan loss allowance to noncurrent loans | 687.3715% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,494 |
| Noncurrent loans to loans | 0.2726% | 5,288 |
| Net loans and leases to total assets | 61.5739% | 3,301 |
| Net loans and leases to deposits | 71.7713% | 3,368 |
| Net loans and leases to core deposits | 77.1049% | 3,296 |
| Total domestic deposits to total assets | 85.7918% | 3,474 |
| Equity capital to assets | 11.0694% | 2,664 |
| Core capital (leverage) ratio | 8.0852% | 6,054 |
| Tier 1 risk-based capital ratio | 11.9184% | 5,696 |
| Total risk-based capital ratio | 13.1748% | 5,618 |
| Memoranda: | ||
| Average total assets | $403,611,000 | 1,655 |
| Average earning assets | $367,855,000 | 1,660 |
| Average equity | $43,767,000 | 1,621 |
| Average total loans | $255,540,000 | 1,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 3,387 |
| Cost of funding earning assets | 0.3759% | 4,881 |
| Net interest margin | 3.8122% | 2,608 |
| Noninterest income to average assets | 0.6451% | 2,835 |
| Noninterest expense to average assets | 2.4315% | 4,985 |
| Loan and lease loss provision to assets | 0.2174% | 1,679 |
| Net operating income to assets | 1.0783% | 2,004 |
| Return on assets (ROA) | 1.0773% | 2,095 |
| Pretax return on assets | 1.4666% | 1,562 |
| Return on Equity (ROE) | 9.6983% | 2,237 |
| Retained earnings to average equity (ytd only) | 1.9388% | 4,853 |
| Net charge-offs to loans | 0.0510% | 4,506 |
| Credit loss provision to net charge-offs | 690.4762% | 348 |
| Earnings coverage of net charge-offs (x) | 53.5317% | 755 |
| Efficiency ratio | 55.3681% | 6,016 |
| Assets per employee ($millions) | 4.5967% | 2,722 |
| Cash dividends to net income (ytd only)* | 80.0093% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 2,202 |
| Loan loss allowance to noncurrent loans | 519.4570% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 5,385 |
| Noncurrent loans to loans | 0.3384% | 5,173 |
| Net loans and leases to total assets | 62.7396% | 3,244 |
| Net loans and leases to deposits | 76.0654% | 2,956 |
| Net loans and leases to core deposits | 82.3797% | 2,852 |
| Total domestic deposits to total assets | 82.4811% | 4,718 |
| Equity capital to assets | 10.6244% | 3,011 |
| Core capital (leverage) ratio | 8.0545% | 6,095 |
| Tier 1 risk-based capital ratio | 11.3448% | 5,997 |
| Total risk-based capital ratio | 12.5998% | 5,926 |
| Memoranda: | ||
| Average total assets | $400,241,800 | 1,644 |
| Average earning assets | $364,488,800 | 1,652 |
| Average equity | $44,461,200 | 1,572 |
| Average total loans | $247,044,600 | 1,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 3,486 |
| Cost of funding earning assets | 0.3853% | 4,946 |
| Net interest margin | 3.7858% | 2,697 |
| Noninterest income to average assets | 0.6281% | 3,004 |
| Noninterest expense to average assets | 2.3827% | 5,072 |
| Loan and lease loss provision to assets | 0.2161% | 1,684 |
| Net operating income to assets | 1.0882% | 2,049 |
| Return on assets (ROA) | 1.0870% | 2,135 |
| Pretax return on assets | 1.4766% | 1,682 |
| Return on Equity (ROE) | 9.6769% | 2,316 |
| Retained earnings to average equity (ytd only) | 1.7743% | 5,252 |
| Net charge-offs to loans | 0.0110% | 4,926 |
| Credit loss provision to net charge-offs | 3,225.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 252.8620% | 230 |
| Efficiency ratio | 54.6874% | 6,045 |
| Assets per employee ($millions) | 4.5345% | 2,831 |
| Cash dividends to net income (ytd only)* | 81.6642% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 2,405 |
| Loan loss allowance to noncurrent loans | 357.5540% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 5,488 |
| Noncurrent loans to loans | 0.4939% | 4,963 |
| Net loans and leases to total assets | 61.6520% | 3,428 |
| Net loans and leases to deposits | 75.7726% | 2,992 |
| Net loans and leases to core deposits | 80.6563% | 3,052 |
| Total domestic deposits to total assets | 81.3644% | 5,117 |
| Equity capital to assets | 10.7883% | 2,965 |
| Core capital (leverage) ratio | 8.0838% | 6,166 |
| Tier 1 risk-based capital ratio | 11.5154% | 6,054 |
| Total risk-based capital ratio | 12.7703% | 6,015 |
| Memoranda: | ||
| Average total assets | $398,025,500 | 1,661 |
| Average earning assets | $362,609,500 | 1,671 |
| Average equity | $44,710,250 | 1,582 |
| Average total loans | $243,489,750 | 1,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,512 |
| Cost of funding earning assets | 0.4003% | 4,942 |
| Net interest margin | 3.7559% | 2,741 |
| Noninterest income to average assets | 0.5992% | 3,196 |
| Noninterest expense to average assets | 2.3510% | 5,203 |
| Loan and lease loss provision to assets | 0.2120% | 1,786 |
| Net operating income to assets | 1.0816% | 1,986 |
| Return on assets (ROA) | 1.0808% | 2,106 |
| Pretax return on assets | 1.4599% | 1,745 |
| Return on Equity (ROE) | 9.4942% | 2,422 |
| Retained earnings to average equity (ytd only) | 1.9556% | 5,030 |
| Net charge-offs to loans | -0.0033% | 5,581 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5979% | 6,094 |
| Assets per employee ($millions) | 4.5829% | 2,671 |
| Cash dividends to net income (ytd only)* | 79.4021% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 2,718 |
| Loan loss allowance to noncurrent loans | 497.3225% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,852 |
| Noncurrent loans to loans | 0.3452% | 5,433 |
| Net loans and leases to total assets | 61.3435% | 3,414 |
| Net loans and leases to deposits | 73.6072% | 3,213 |
| Net loans and leases to core deposits | 78.0370% | 3,283 |
| Total domestic deposits to total assets | 83.3390% | 4,575 |
| Equity capital to assets | 11.0153% | 2,734 |
| Core capital (leverage) ratio | 8.0306% | 6,165 |
| Tier 1 risk-based capital ratio | 11.3338% | 6,181 |
| Total risk-based capital ratio | 12.5880% | 6,151 |
| Memoranda: | ||
| Average total assets | $396,178,330 | 1,670 |
| Average earning assets | $361,242,000 | 1,677 |
| Average equity | $45,101,000 | 1,569 |
| Average total loans | $240,226,330 | 1,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,612 |
| Cost of funding earning assets | 0.4131% | 4,979 |
| Net interest margin | 3.7139% | 2,797 |
| Noninterest income to average assets | 0.5895% | 3,194 |
| Noninterest expense to average assets | 2.3377% | 5,313 |
| Loan and lease loss provision to assets | 0.1975% | 1,877 |
| Net operating income to assets | 1.0574% | 2,008 |
| Return on assets (ROA) | 1.0574% | 2,124 |
| Pretax return on assets | 1.4231% | 1,791 |
| Return on Equity (ROE) | 9.1395% | 2,421 |
| Retained earnings to average equity (ytd only) | 1.6983% | 5,134 |
| Net charge-offs to loans | -0.0051% | 5,269 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1689% | 6,137 |
| Assets per employee ($millions) | 4.7080% | 2,638 |
| Cash dividends to net income (ytd only)* | 81.4176% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,930 |
| Loan loss allowance to noncurrent loans | 408.6869% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 5,826 |
| Noncurrent loans to loans | 0.4206% | 5,366 |
| Net loans and leases to total assets | 58.4990% | 3,704 |
| Net loans and leases to deposits | 68.5557% | 3,701 |
| Net loans and leases to core deposits | 71.4622% | 3,886 |
| Total domestic deposits to total assets | 85.3306% | 3,877 |
| Equity capital to assets | 11.5301% | 2,382 |
| Core capital (leverage) ratio | 8.0542% | 6,090 |
| Tier 1 risk-based capital ratio | 11.7883% | 6,034 |
| Total risk-based capital ratio | 13.0417% | 6,011 |
| Memoranda: | ||
| Average total assets | $394,913,000 | 1,691 |
| Average earning assets | $358,225,000 | 1,707 |
| Average equity | $45,692,000 | 1,570 |
| Average total loans | $235,912,500 | 1,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 3,619 |
| Cost of funding earning assets | 0.5057% | 5,174 |
| Net interest margin | 3.9420% | 2,639 |
| Noninterest income to average assets | 0.6535% | 2,972 |
| Noninterest expense to average assets | 2.4255% | 5,342 |
| Loan and lease loss provision to assets | 0.2769% | 2,435 |
| Net operating income to assets | 1.1261% | 1,854 |
| Return on assets (ROA) | 1.1456% | 1,956 |
| Pretax return on assets | 1.5741% | 1,453 |
| Return on Equity (ROE) | 9.5364% | 2,392 |
| Retained earnings to average equity (ytd only) | 0.9331% | 5,404 |
| Net charge-offs to loans | 0.1230% | 4,448 |
| Credit loss provision to net charge-offs | 373.2143% | 658 |
| Earnings coverage of net charge-offs (x) | 24.5857% | 1,167 |
| Efficiency ratio | 53.2768% | 6,349 |
| Assets per employee ($millions) | 4.5328% | 2,903 |
| Cash dividends to net income (ytd only)* | 90.2151% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,192 |
| Loan loss allowance to noncurrent loans | 223.2019% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 5,399 |
| Noncurrent loans to loans | 0.7292% | 4,721 |
| Net loans and leases to total assets | 58.9784% | 3,801 |
| Net loans and leases to deposits | 70.6939% | 3,605 |
| Net loans and leases to core deposits | 73.9414% | 3,787 |
| Total domestic deposits to total assets | 83.4279% | 4,557 |
| Equity capital to assets | 11.6103% | 2,336 |
| Core capital (leverage) ratio | 8.0610% | 6,129 |
| Tier 1 risk-based capital ratio | 11.5665% | 6,050 |
| Total risk-based capital ratio | 12.8194% | 6,016 |
| Memoranda: | ||
| Average total assets | $377,359,200 | 1,727 |
| Average earning assets | $344,262,600 | 1,730 |
| Average equity | $45,331,800 | 1,535 |
| Average total loans | $227,685,000 | 1,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,961 |
| Cost of funding earning assets | 0.5285% | 5,258 |
| Net interest margin | 3.8921% | 2,939 |
| Noninterest income to average assets | 0.6464% | 3,011 |
| Noninterest expense to average assets | 2.4260% | 5,321 |
| Loan and lease loss provision to assets | 0.2269% | 2,795 |
| Net operating income to assets | 1.1232% | 2,012 |
| Return on assets (ROA) | 1.1492% | 2,108 |
| Pretax return on assets | 1.5852% | 1,624 |
| Return on Equity (ROE) | 9.4827% | 2,599 |
| Retained earnings to average equity (ytd only) | 0.9317% | 5,797 |
| Net charge-offs to loans | 0.1058% | 4,335 |
| Credit loss provision to net charge-offs | 354.7486% | 759 |
| Earnings coverage of net charge-offs (x) | 27.7654% | 1,172 |
| Efficiency ratio | 53.8481% | 6,266 |
| Assets per employee ($millions) | 4.5176% | 2,884 |
| Cash dividends to net income (ytd only)* | 90.1742% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,749 |
| Loan loss allowance to noncurrent loans | 177.4436% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 5,348 |
| Noncurrent loans to loans | 0.8710% | 4,678 |
| Net loans and leases to total assets | 60.1413% | 3,753 |
| Net loans and leases to deposits | 72.9864% | 3,452 |
| Net loans and leases to core deposits | 76.8816% | 3,622 |
| Total domestic deposits to total assets | 82.4008% | 4,876 |
| Equity capital to assets | 12.2098% | 2,106 |
| Core capital (leverage) ratio | 8.2221% | 6,114 |
| Tier 1 risk-based capital ratio | 11.7895% | 6,064 |
| Total risk-based capital ratio | 13.0414% | 6,042 |
| Memoranda: | ||
| Average total assets | $373,110,000 | 1,766 |
| Average earning assets | $340,852,750 | 1,769 |
| Average equity | $45,218,250 | 1,553 |
| Average total loans | $225,498,000 | 1,820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 4,072 |
| Cost of funding earning assets | 0.5485% | 5,316 |
| Net interest margin | 3.8804% | 2,996 |
| Noninterest income to average assets | 0.6357% | 3,031 |
| Noninterest expense to average assets | 2.3775% | 5,536 |
| Loan and lease loss provision to assets | 0.2201% | 2,875 |
| Net operating income to assets | 1.1353% | 1,928 |
| Return on assets (ROA) | 1.1538% | 2,078 |
| Pretax return on assets | 1.6043% | 1,538 |
| Return on Equity (ROE) | 9.5447% | 2,558 |
| Retained earnings to average equity (ytd only) | 1.9942% | 5,200 |
| Net charge-offs to loans | 0.1204% | 3,969 |
| Credit loss provision to net charge-offs | 303.7037% | 963 |
| Earnings coverage of net charge-offs (x) | 24.8148% | 1,213 |
| Efficiency ratio | 53.0085% | 6,415 |
| Assets per employee ($millions) | 4.6841% | 2,591 |
| Cash dividends to net income (ytd only)* | 79.1066% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,052 |
| Loan loss allowance to noncurrent loans | 186.5556% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 5,557 |
| Noncurrent loans to loans | 0.7993% | 4,911 |
| Net loans and leases to total assets | 59.1998% | 3,956 |
| Net loans and leases to deposits | 72.0016% | 3,609 |
| Net loans and leases to core deposits | 74.9373% | 3,897 |
| Total domestic deposits to total assets | 82.2202% | 5,050 |
| Equity capital to assets | 12.1835% | 2,015 |
| Core capital (leverage) ratio | 8.2695% | 5,965 |
| Tier 1 risk-based capital ratio | 11.9627% | 5,960 |
| Total risk-based capital ratio | 13.2127% | 5,929 |
| Memoranda: | ||
| Average total assets | $372,493,330 | 1,770 |
| Average earning assets | $339,861,000 | 1,769 |
| Average equity | $45,030,330 | 1,552 |
| Average total loans | $224,315,330 | 1,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 4,235 |
| Cost of funding earning assets | 0.5767% | 5,303 |
| Net interest margin | 3.8450% | 3,157 |
| Noninterest income to average assets | 0.6279% | 3,066 |
| Noninterest expense to average assets | 2.3760% | 5,548 |
| Loan and lease loss provision to assets | 0.1993% | 2,945 |
| Net operating income to assets | 1.1047% | 2,064 |
| Return on assets (ROA) | 1.1406% | 2,102 |
| Pretax return on assets | 1.6005% | 1,576 |
| Return on Equity (ROE) | 9.4727% | 2,616 |
| Retained earnings to average equity (ytd only) | 2.7640% | 4,874 |
| Net charge-offs to loans | -0.0197% | 6,182 |
| Credit loss provision to net charge-offs | -1,681.8182% | 6,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6292% | 6,385 |
| Assets per employee ($millions) | 4.5795% | 2,845 |
| Cash dividends to net income (ytd only)* | 70.8215% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,280 |
| Loan loss allowance to noncurrent loans | 111.2280% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 4,957 |
| Noncurrent loans to loans | 1.3256% | 4,124 |
| Net loans and leases to total assets | 59.0685% | 3,843 |
| Net loans and leases to deposits | 70.1686% | 3,716 |
| Net loans and leases to core deposits | 73.0179% | 4,022 |
| Total domestic deposits to total assets | 84.1808% | 4,409 |
| Equity capital to assets | 12.0412% | 2,008 |
| Core capital (leverage) ratio | 8.3846% | 5,760 |
| Tier 1 risk-based capital ratio | 12.0332% | 5,937 |
| Total risk-based capital ratio | 13.2840% | 5,928 |
| Memoranda: | ||
| Average total assets | $371,375,500 | 1,779 |
| Average earning assets | $337,790,500 | 1,789 |
| Average equity | $44,718,000 | 1,547 |
| Average total loans | $223,874,500 | 1,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 4,121 |
| Cost of funding earning assets | 0.6915% | 5,597 |
| Net interest margin | 4.0390% | 2,683 |
| Noninterest income to average assets | 0.6635% | 2,818 |
| Noninterest expense to average assets | 2.5000% | 5,464 |
| Loan and lease loss provision to assets | 0.2386% | 3,820 |
| Net operating income to assets | 1.1186% | 1,761 |
| Return on assets (ROA) | 1.1190% | 1,883 |
| Pretax return on assets | 1.5951% | 1,215 |
| Return on Equity (ROE) | 9.0950% | 2,405 |
| Retained earnings to average equity (ytd only) | -0.0808% | 5,858 |
| Net charge-offs to loans | 0.0534% | 5,786 |
| Credit loss provision to net charge-offs | 717.9487% | 301 |
| Earnings coverage of net charge-offs (x) | 55.1624% | 515 |
| Efficiency ratio | 53.7035% | 6,542 |
| Assets per employee ($millions) | 4.5343% | 2,854 |
| Cash dividends to net income (ytd only)* | 100.8883% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,607 |
| Loan loss allowance to noncurrent loans | 102.7315% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 5,014 |
| Noncurrent loans to loans | 1.3321% | 4,151 |
| Net loans and leases to total assets | 59.7823% | 4,030 |
| Net loans and leases to deposits | 71.3800% | 3,887 |
| Net loans and leases to core deposits | 75.8668% | 4,000 |
| Total domestic deposits to total assets | 83.7521% | 4,432 |
| Equity capital to assets | 12.0411% | 2,091 |
| Core capital (leverage) ratio | 8.3886% | 5,732 |
| Tier 1 risk-based capital ratio | 11.6138% | 6,079 |
| Total risk-based capital ratio | 12.8436% | 6,084 |
| Memoranda: | ||
| Average total assets | $352,086,800 | 1,840 |
| Average earning assets | $319,883,400 | 1,840 |
| Average equity | $43,320,400 | 1,558 |
| Average total loans | $219,200,600 | 1,879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 4,460 |
| Cost of funding earning assets | 0.7110% | 5,693 |
| Net interest margin | 3.9902% | 2,952 |
| Noninterest income to average assets | 0.6575% | 2,838 |
| Noninterest expense to average assets | 2.4726% | 5,554 |
| Loan and lease loss provision to assets | 0.1728% | 4,310 |
| Net operating income to assets | 1.1465% | 1,825 |
| Return on assets (ROA) | 1.1468% | 1,940 |
| Pretax return on assets | 1.6442% | 1,271 |
| Return on Equity (ROE) | 9.2677% | 2,476 |
| Retained earnings to average equity (ytd only) | -0.4314% | 6,056 |
| Net charge-offs to loans | -0.0037% | 6,696 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5548% | 6,538 |
| Assets per employee ($millions) | 4.2639% | 3,343 |
| Cash dividends to net income (ytd only)* | 104.6551% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,144 |
| Loan loss allowance to noncurrent loans | 96.6049% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 5,117 |
| Noncurrent loans to loans | 1.3157% | 4,340 |
| Net loans and leases to total assets | 61.8283% | 3,768 |
| Net loans and leases to deposits | 74.4799% | 3,588 |
| Net loans and leases to core deposits | 79.4586% | 3,713 |
| Total domestic deposits to total assets | 83.0135% | 4,679 |
| Equity capital to assets | 12.6209% | 1,839 |
| Core capital (leverage) ratio | 8.5121% | 5,696 |
| Tier 1 risk-based capital ratio | 11.9604% | 5,923 |
| Total risk-based capital ratio | 13.1267% | 5,963 |
| Memoranda: | ||
| Average total assets | $347,156,250 | 1,872 |
| Average earning assets | $315,962,750 | 1,875 |
| Average equity | $42,958,000 | 1,573 |
| Average total loans | $217,660,750 | 1,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,585 |
| Cost of funding earning assets | 0.7315% | 5,771 |
| Net interest margin | 3.9559% | 3,065 |
| Noninterest income to average assets | 0.6321% | 2,936 |
| Noninterest expense to average assets | 2.4812% | 5,611 |
| Loan and lease loss provision to assets | 0.1740% | 4,188 |
| Net operating income to assets | 1.0938% | 1,891 |
| Return on assets (ROA) | 1.0942% | 1,976 |
| Pretax return on assets | 1.5772% | 1,303 |
| Return on Equity (ROE) | 8.9033% | 2,557 |
| Retained earnings to average equity (ytd only) | -1.1229% | 6,072 |
| Net charge-offs to loans | -0.0046% | 6,581 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4533% | 6,574 |
| Assets per employee ($millions) | 4.3826% | 3,023 |
| Cash dividends to net income (ytd only)* | 112.6126% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,423 |
| Loan loss allowance to noncurrent loans | 207.5486% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 6,222 |
| Noncurrent loans to loans | 0.5918% | 5,741 |
| Net loans and leases to total assets | 61.1650% | 4,059 |
| Net loans and leases to deposits | 74.7942% | 3,675 |
| Net loans and leases to core deposits | 77.5066% | 4,117 |
| Total domestic deposits to total assets | 81.7777% | 5,245 |
| Equity capital to assets | 12.3063% | 1,901 |
| Core capital (leverage) ratio | 8.5855% | 5,423 |
| Tier 1 risk-based capital ratio | 12.0293% | 5,763 |
| Total risk-based capital ratio | 13.1483% | 5,840 |
| Memoranda: | ||
| Average total assets | $344,907,000 | 1,892 |
| Average earning assets | $313,863,670 | 1,892 |
| Average equity | $42,388,670 | 1,582 |
| Average total loans | $216,337,670 | 1,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 4,644 |
| Cost of funding earning assets | 0.7437% | 5,901 |
| Net interest margin | 3.9269% | 3,017 |
| Noninterest income to average assets | 0.6046% | 3,131 |
| Noninterest expense to average assets | 2.4791% | 5,631 |
| Loan and lease loss provision to assets | 0.1754% | 3,869 |
| Net operating income to assets | 1.0361% | 2,047 |
| Return on assets (ROA) | 1.0361% | 2,099 |
| Pretax return on assets | 1.5190% | 1,392 |
| Return on Equity (ROE) | 8.4362% | 2,729 |
| Retained earnings to average equity (ytd only) | 0.1047% | 5,755 |
| Net charge-offs to loans | -0.0185% | 6,545 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1415% | 6,595 |
| Assets per employee ($millions) | 4.7995% | 2,426 |
| Cash dividends to net income (ytd only)* | 98.7585% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,768 |
| Loan loss allowance to noncurrent loans | 706.1625% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 6,889 |
| Noncurrent loans to loans | 0.1657% | 6,644 |
| Net loans and leases to total assets | 61.6086% | 3,945 |
| Net loans and leases to deposits | 72.9778% | 3,928 |
| Net loans and leases to core deposits | 75.1733% | 4,400 |
| Total domestic deposits to total assets | 84.4210% | 4,315 |
| Equity capital to assets | 12.1613% | 1,820 |
| Core capital (leverage) ratio | 8.8052% | 4,921 |
| Tier 1 risk-based capital ratio | 12.1391% | 5,563 |
| Total risk-based capital ratio | 13.2024% | 5,724 |
| Memoranda: | ||
| Average total assets | $342,056,000 | 1,921 |
| Average earning assets | $310,880,500 | 1,922 |
| Average equity | $42,009,500 | 1,584 |
| Average total loans | $215,948,000 | 1,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 5,846 |
| Cost of funding earning assets | 0.9168% | 6,097 |
| Net interest margin | 3.7688% | 4,070 |
| Noninterest income to average assets | 0.6091% | 3,409 |
| Noninterest expense to average assets | 2.7381% | 4,820 |
| Loan and lease loss provision to assets | 0.2493% | 4,804 |
| Net operating income to assets | 0.7377% | 3,060 |
| Return on assets (ROA) | 0.7380% | 3,187 |
| Pretax return on assets | 1.0184% | 2,871 |
| Return on Equity (ROE) | 6.1612% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.4978% | 4,126 |
| Net charge-offs to loans | 0.1600% | 5,385 |
| Credit loss provision to net charge-offs | 238.5496% | 1,215 |
| Earnings coverage of net charge-offs (x) | 12.1260% | 1,542 |
| Efficiency ratio | 64.5254% | 5,255 |
| Assets per employee ($millions) | 4.2319% | 3,324 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,980 |
| Loan loss allowance to noncurrent loans | 1,192.4242% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,067 |
| Noncurrent loans to loans | 0.0915% | 6,902 |
| Net loans and leases to total assets | 63.2456% | 4,022 |
| Net loans and leases to deposits | 77.3590% | 3,611 |
| Net loans and leases to core deposits | 79.4811% | 4,280 |
| Total domestic deposits to total assets | 81.7560% | 5,263 |
| Equity capital to assets | 12.4041% | 1,694 |
| Core capital (leverage) ratio | 8.8564% | 4,769 |
| Tier 1 risk-based capital ratio | 12.1388% | 5,347 |
| Total risk-based capital ratio | 13.1394% | 5,561 |
| Memoranda: | ||
| Average total assets | $250,687,000 | 2,544 |
| Average earning assets | $225,904,600 | 2,563 |
| Average equity | $30,026,600 | 2,173 |
| Average total loans | $163,797,600 | 2,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 6,514 |
| Cost of funding earning assets | 0.9483% | 6,184 |
| Net interest margin | 3.5863% | 4,941 |
| Noninterest income to average assets | 0.5340% | 3,916 |
| Noninterest expense to average assets | 2.6623% | 5,045 |
| Loan and lease loss provision to assets | 0.2769% | 4,369 |
| Net operating income to assets | 0.6181% | 3,803 |
| Return on assets (ROA) | 0.6185% | 3,967 |
| Pretax return on assets | 0.8184% | 3,832 |
| Return on Equity (ROE) | 5.2326% | 4,177 |
| Retained earnings to average equity (ytd only) | 2.4215% | 4,727 |
| Net charge-offs to loans | 0.0628% | 5,883 |
| Credit loss provision to net charge-offs | 669.0141% | 438 |
| Earnings coverage of net charge-offs (x) | 26.4519% | 960 |
| Efficiency ratio | 67.2614% | 4,611 |
| Assets per employee ($millions) | 5.8197% | 1,379 |
| Cash dividends to net income (ytd only)* | 53.7229% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,803 |
| Loan loss allowance to noncurrent loans | 2,183.6364% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 7,251 |
| Noncurrent loans to loans | 0.0518% | 7,114 |
| Net loans and leases to total assets | 63.2619% | 4,265 |
| Net loans and leases to deposits | 76.8012% | 4,037 |
| Net loans and leases to core deposits | 78.6491% | 4,720 |
| Total domestic deposits to total assets | 82.3710% | 4,850 |
| Equity capital to assets | 13.0411% | 1,555 |
| Core capital (leverage) ratio | 14.2023% | 883 |
| Tier 1 risk-based capital ratio | 12.5702% | 4,924 |
| Total risk-based capital ratio | 13.6576% | 5,042 |
| Memoranda: | ||
| Average total assets | $228,721,250 | 2,807 |
| Average earning assets | $205,556,250 | 2,841 |
| Average equity | $27,034,750 | 2,408 |
| Average total loans | $150,627,250 | 2,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 3,630 |
| Cost of funding earning assets | 1.1324% | 5,501 |
| Net interest margin | 4.1307% | 2,426 |
| Noninterest income to average assets | 0.5967% | 3,359 |
| Noninterest expense to average assets | 2.9117% | 4,032 |
| Loan and lease loss provision to assets | 0.1543% | 5,356 |
| Net operating income to assets | 0.9170% | 2,486 |
| Return on assets (ROA) | 0.9178% | 2,586 |
| Pretax return on assets | 1.2285% | 2,323 |
| Return on Equity (ROE) | 8.2492% | 2,787 |
| Retained earnings to average equity (ytd only) | 3.3478% | 3,978 |
| Net charge-offs to loans | 0.1092% | 5,071 |
| Credit loss provision to net charge-offs | 211.2676% | 1,840 |
| Earnings coverage of net charge-offs (x) | 18.9155% | 1,270 |
| Efficiency ratio | 64.1026% | 5,317 |
| Assets per employee ($millions) | 3.7713% | 4,291 |
| Cash dividends to net income (ytd only)* | 59.4170% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,487 |
| Loan loss allowance to noncurrent loans | 2,256.5217% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,270 |
| Noncurrent loans to loans | 0.0705% | 7,136 |
| Net loans and leases to total assets | 65.4429% | 3,951 |
| Net loans and leases to deposits | 80.3758% | 3,540 |
| Net loans and leases to core deposits | 83.3620% | 4,230 |
| Total domestic deposits to total assets | 81.4211% | 5,231 |
| Equity capital to assets | 11.1886% | 2,699 |
| Core capital (leverage) ratio | 7.4440% | 6,878 |
| Tier 1 risk-based capital ratio | 10.2967% | 6,839 |
| Total risk-based capital ratio | 11.5497% | 6,818 |
| Memoranda: | ||
| Average total assets | $194,388,000 | 3,244 |
| Average earning assets | $173,966,670 | 3,270 |
| Average equity | $21,626,330 | 2,960 |
| Average total loans | $130,084,670 | 3,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 3,933 |
| Cost of funding earning assets | 1.1429% | 5,686 |
| Net interest margin | 4.0742% | 2,549 |
| Noninterest income to average assets | 0.5333% | 3,789 |
| Noninterest expense to average assets | 2.7800% | 4,561 |
| Loan and lease loss provision to assets | 0.1550% | 4,982 |
| Net operating income to assets | 0.9239% | 2,456 |
| Return on assets (ROA) | 0.9239% | 2,521 |
| Pretax return on assets | 1.2381% | 2,242 |
| Return on Equity (ROE) | 8.3285% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.9252% | 4,375 |
| Net charge-offs to loans | 0.1293% | 4,191 |
| Credit loss provision to net charge-offs | 178.5714% | 2,046 |
| Earnings coverage of net charge-offs (x) | 16.0476% | 1,351 |
| Efficiency ratio | 62.8034% | 5,692 |
| Assets per employee ($millions) | 3.8371% | 4,232 |
| Cash dividends to net income (ytd only)* | 64.8770% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,585 |
| Loan loss allowance to noncurrent loans | 2,051.5152% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 7,360 |
| Noncurrent loans to loans | 0.0764% | 7,207 |
| Net loans and leases to total assets | 65.1582% | 4,068 |
| Net loans and leases to deposits | 79.6679% | 3,716 |
| Net loans and leases to core deposits | 82.7364% | 4,391 |
| Total domestic deposits to total assets | 81.7873% | 5,162 |
| Equity capital to assets | 11.0249% | 2,735 |
| Core capital (leverage) ratio | 7.4668% | 6,884 |
| Tier 1 risk-based capital ratio | 10.2818% | 6,815 |
| Total risk-based capital ratio | 11.5393% | 6,806 |
| Memoranda: | ||
| Average total assets | $193,527,000 | 3,313 |
| Average earning assets | $172,891,500 | 3,357 |
| Average equity | $21,468,500 | 3,008 |
| Average total loans | $129,919,000 | 3,262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 3,209 |
| Cost of funding earning assets | 1.3779% | 6,025 |
| Net interest margin | 4.3016% | 1,713 |
| Noninterest income to average assets | 0.4755% | 4,608 |
| Noninterest expense to average assets | 3.1528% | 3,535 |
| Loan and lease loss provision to assets | 0.1621% | 6,067 |
| Net operating income to assets | 0.8794% | 2,245 |
| Return on assets (ROA) | 0.8902% | 2,280 |
| Pretax return on assets | 0.9651% | 2,714 |
| Return on Equity (ROE) | 7.6057% | 2,537 |
| Retained earnings to average equity (ytd only) | 4.0249% | 2,397 |
| Net charge-offs to loans | 0.0784% | 6,321 |
| Credit loss provision to net charge-offs | 295.9184% | 1,127 |
| Earnings coverage of net charge-offs (x) | 20.3673% | 1,043 |
| Efficiency ratio | 69.8089% | 4,666 |
| Assets per employee ($millions) | 3.6106% | 4,762 |
| Cash dividends to net income (ytd only)* | 47.0810% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,081.2500% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 7,377 |
| Noncurrent loans to loans | 0.0737% | 7,235 |
| Net loans and leases to total assets | 67.0455% | 3,916 |
| Net loans and leases to deposits | 83.3522% | 3,389 |
| Net loans and leases to core deposits | 94.9934% | 4,568 |
| Total domestic deposits to total assets | 80.4365% | 5,541 |
| Equity capital to assets | 11.1632% | 2,564 |
| Core capital (leverage) ratio | 7.5079% | 6,782 |
| Tier 1 risk-based capital ratio | 10.1589% | 6,726 |
| Total risk-based capital ratio | 11.4119% | 6,695 |
| Memoranda: | ||
| Average total assets | $178,951,400 | 3,457 |
| Average earning assets | $157,779,600 | 3,559 |
| Average equity | $20,944,800 | 3,079 |
| Average total loans | $124,927,600 | 3,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7158% | 3,265 |
| Cost of funding earning assets | 1.4141% | 6,173 |
| Net interest margin | 4.3017% | 1,728 |
| Noninterest income to average assets | 0.6733% | 3,195 |
| Noninterest expense to average assets | 3.1708% | 3,399 |
| Loan and lease loss provision to assets | 0.1630% | 5,723 |
| Net operating income to assets | 0.8094% | 2,776 |
| Return on assets (ROA) | 0.8105% | 2,832 |
| Pretax return on assets | 1.1259% | 2,486 |
| Return on Equity (ROE) | 6.8391% | 3,142 |
| Retained earnings to average equity (ytd only) | 3.6403% | 3,249 |
| Net charge-offs to loans | 0.0194% | 6,636 |
| Credit loss provision to net charge-offs | 1,194.4444% | 317 |
| Earnings coverage of net charge-offs (x) | 94.3308% | 377 |
| Efficiency ratio | 67.1769% | 5,145 |
| Assets per employee ($millions) | 3.2301% | 5,571 |
| Cash dividends to net income (ytd only)* | 46.7726% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,276 |
| Loan loss allowance to noncurrent loans | 898.2063% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 7,242 |
| Noncurrent loans to loans | 0.1704% | 7,064 |
| Net loans and leases to total assets | 69.9907% | 3,517 |
| Net loans and leases to deposits | 88.5564% | 2,862 |
| Net loans and leases to core deposits | 101.6470% | 4,195 |
| Total domestic deposits to total assets | 79.0352% | 5,792 |
| Equity capital to assets | 11.5353% | 2,554 |
| Core capital (leverage) ratio | 7.8956% | 6,508 |
| Tier 1 risk-based capital ratio | 10.1603% | 6,820 |
| Total risk-based capital ratio | 11.4137% | 6,761 |
| Memoranda: | ||
| Average total assets | $175,849,000 | 3,522 |
| Average earning assets | $154,724,250 | 3,641 |
| Average equity | $20,840,500 | 3,121 |
| Average total loans | $123,585,250 | 3,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 3,440 |
| Cost of funding earning assets | 1.4633% | 6,285 |
| Net interest margin | 4.2557% | 1,795 |
| Noninterest income to average assets | 0.6494% | 3,347 |
| Noninterest expense to average assets | 3.2087% | 3,311 |
| Loan and lease loss provision to assets | 0.1675% | 5,393 |
| Net operating income to assets | 0.7470% | 3,055 |
| Return on assets (ROA) | 0.7487% | 3,157 |
| Pretax return on assets | 1.0122% | 2,960 |
| Return on Equity (ROE) | 6.2585% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.3268% | 2,893 |
| Net charge-offs to loans | -0.0017% | 7,474 |
| Credit loss provision to net charge-offs | -14,500.0000% | 7,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0727% | 4,968 |
| Assets per employee ($millions) | 3.2207% | 5,535 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 2,765 |
| Loan loss allowance to noncurrent loans | 673.1034% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 7,122 |
| Noncurrent loans to loans | 0.2371% | 6,922 |
| Net loans and leases to total assets | 70.5191% | 3,577 |
| Net loans and leases to deposits | 88.8028% | 3,034 |
| Net loans and leases to core deposits | 102.9586% | 4,184 |
| Total domestic deposits to total assets | 79.4109% | 5,682 |
| Equity capital to assets | 12.2445% | 2,061 |
| Core capital (leverage) ratio | 8.1025% | 6,163 |
| Tier 1 risk-based capital ratio | 10.6219% | 6,261 |
| Total risk-based capital ratio | 11.8746% | 6,197 |
| Memoranda: | ||
| Average total assets | $173,094,330 | 3,585 |
| Average earning assets | $151,985,000 | 3,709 |
| Average equity | $20,708,000 | 3,142 |
| Average total loans | $121,158,670 | 3,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 4,104 |
| Cost of funding earning assets | 1.4721% | 6,496 |
| Net interest margin | 4.1684% | 2,017 |
| Noninterest income to average assets | 0.6013% | 3,539 |
| Noninterest expense to average assets | 2.9491% | 3,979 |
| Loan and lease loss provision to assets | 0.1721% | 4,747 |
| Net operating income to assets | 0.8452% | 2,928 |
| Return on assets (ROA) | 0.8468% | 3,071 |
| Pretax return on assets | 1.1475% | 2,810 |
| Return on Equity (ROE) | 7.1611% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.1611% | 2,154 |
| Net charge-offs to loans | -0.0597% | 7,751 |
| Credit loss provision to net charge-offs | -416.6667% | 6,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9812% | 5,508 |
| Assets per employee ($millions) | 3.3567% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 2,452 |
| Loan loss allowance to noncurrent loans | 736.0465% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 7,130 |
| Noncurrent loans to loans | 0.2199% | 6,902 |
| Net loans and leases to total assets | 66.1379% | 4,557 |
| Net loans and leases to deposits | 82.2607% | 4,244 |
| Net loans and leases to core deposits | 95.0297% | 5,059 |
| Total domestic deposits to total assets | 80.4003% | 5,208 |
| Equity capital to assets | 11.9239% | 2,310 |
| Core capital (leverage) ratio | 8.0367% | 6,399 |
| Tier 1 risk-based capital ratio | 10.7711% | 6,119 |
| Total risk-based capital ratio | 12.0248% | 6,022 |
| Memoranda: | ||
| Average total assets | $174,293,000 | 3,587 |
| Average earning assets | $153,246,500 | 3,694 |
| Average equity | $20,611,500 | 3,163 |
| Average total loans | $120,575,000 | 3,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 3,921 |
| Cost of funding earning assets | 1.8882% | 6,761 |
| Net interest margin | 4.4201% | 1,624 |
| Noninterest income to average assets | 0.6146% | 3,744 |
| Noninterest expense to average assets | 3.1448% | 3,536 |
| Loan and lease loss provision to assets | 0.2445% | 4,470 |
| Net operating income to assets | 0.8119% | 3,387 |
| Return on assets (ROA) | 0.9166% | 2,781 |
| Pretax return on assets | 1.2725% | 2,398 |
| Return on Equity (ROE) | 7.2800% | 3,386 |
| Retained earnings to average equity (ytd only) | 0.2900% | 5,070 |
| Net charge-offs to loans | -0.0134% | 7,885 |
| Credit loss provision to net charge-offs | -2,633.3333% | 7,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3967% | 5,241 |
| Assets per employee ($millions) | 3.1643% | 5,579 |
| Cash dividends to net income (ytd only)* | 96.0162% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 2,881 |
| Loan loss allowance to noncurrent loans | 702.7237% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,980 |
| Noncurrent loans to loans | 0.2076% | 6,766 |
| Net loans and leases to total assets | 70.1012% | 3,992 |
| Net loans and leases to deposits | 91.5580% | 3,208 |
| Net loans and leases to core deposits | 106.0205% | 4,196 |
| Total domestic deposits to total assets | 76.5648% | 6,107 |
| Equity capital to assets | 11.7274% | 2,483 |
| Core capital (leverage) ratio | 8.1023% | 6,321 |
| Tier 1 risk-based capital ratio | 10.4202% | 6,295 |
| Total risk-based capital ratio | 11.6729% | 6,164 |
| Memoranda: | ||
| Average total assets | $161,570,600 | 3,693 |
| Average earning assets | $142,619,800 | 3,793 |
| Average equity | $20,343,400 | 3,174 |
| Average total loans | $111,624,600 | 3,645 |