Home > Fortifi Bank > Performance and Condition Ratios
Fortifi Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 1,039 |
| Cost of funding earning assets | 1.4778% | 1,995 |
| Net interest margin | 4.1121% | 1,053 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.6525% | 1,865 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1858% | 1,680 |
| Return on assets (ROA) | 1.1673% | 1,710 |
| Pretax return on assets | 1.6748% | 1,112 |
| Return on Equity (ROE) | 10.8500% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.4305% | 1,415 |
| Net charge-offs to loans | 0.0162% | 2,055 |
| Credit loss provision to net charge-offs | 625.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 149.0278% | 709 |
| Efficiency ratio | 59.9433% | 3,083 |
| Assets per employee ($millions) | 6.7255% | 2,253 |
| Cash dividends to net income (ytd only)* | 22.2898% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 2,674 |
| Loan loss allowance to noncurrent loans | 191.9955% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,211 |
| Noncurrent loans to loans | 0.5876% | 1,340 |
| Net loans and leases to total assets | 70.7400% | 1,732 |
| Net loans and leases to deposits | 90.4849% | 1,228 |
| Net loans and leases to core deposits | 93.0185% | 1,843 |
| Total domestic deposits to total assets | 78.1800% | 3,704 |
| Equity capital to assets | 10.7999% | 1,584 |
| Core capital (leverage) ratio | 12.7724% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8246% | 1,313 |
| Memoranda: | ||
| Average total assets | $605,343,200 | 1,465 |
| Average earning assets | $565,845,600 | 1,450 |
| Average equity | $65,132,600 | 1,317 |
| Average total loans | $445,092,200 | 1,358 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 1,018 |
| Cost of funding earning assets | 1.3640% | 1,963 |
| Net interest margin | 4.1324% | 1,012 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7014% | 1,653 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3547% | 1,413 |
| Return on assets (ROA) | 1.3272% | 1,460 |
| Pretax return on assets | 1.6617% | 1,235 |
| Return on Equity (ROE) | 12.3500% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.7574% | 1,196 |
| Net charge-offs to loans | 0.0253% | 1,568 |
| Credit loss provision to net charge-offs | 357.1429% | 782 |
| Earnings coverage of net charge-offs (x) | 93.9762% | 951 |
| Efficiency ratio | 60.5083% | 2,907 |
| Assets per employee ($millions) | 6.1347% | 2,627 |
| Cash dividends to net income (ytd only)* | 12.8745% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,071 |
| Loan loss allowance to noncurrent loans | 167.6390% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,145 |
| Noncurrent loans to loans | 0.6319% | 1,292 |
| Net loans and leases to total assets | 75.1300% | 1,222 |
| Net loans and leases to deposits | 92.6322% | 1,007 |
| Net loans and leases to core deposits | 95.1810% | 1,604 |
| Total domestic deposits to total assets | 81.1000% | 3,366 |
| Equity capital to assets | 10.7835% | 1,442 |
| Core capital (leverage) ratio | 12.7509% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3444% | 1,460 |
| Memoranda: | ||
| Average total assets | $596,949,000 | 1,487 |
| Average earning assets | $559,401,500 | 1,468 |
| Average equity | $64,165,000 | 1,318 |
| Average total loans | $442,082,750 | 1,361 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3135% | 1,063 |
| Cost of funding earning assets | 1.2120% | 1,947 |
| Net interest margin | 4.1015% | 1,087 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.7057% | 1,628 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2305% | 1,748 |
| Return on assets (ROA) | 1.1906% | 1,846 |
| Pretax return on assets | 1.6186% | 1,374 |
| Return on Equity (ROE) | 11.0900% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.4880% | 1,549 |
| Net charge-offs to loans | -0.0064% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.1407% | 2,825 |
| Assets per employee ($millions) | 5.9850% | 2,719 |
| Cash dividends to net income (ytd only)* | 14.4353% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,060 |
| Loan loss allowance to noncurrent loans | 106.6402% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 656 |
| Noncurrent loans to loans | 1.0095% | 749 |
| Net loans and leases to total assets | 73.4900% | 1,348 |
| Net loans and leases to deposits | 90.6089% | 1,131 |
| Net loans and leases to core deposits | 93.0329% | 1,623 |
| Total domestic deposits to total assets | 81.1000% | 3,416 |
| Equity capital to assets | 10.7870% | 1,468 |
| Core capital (leverage) ratio | 12.4836% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1851% | 1,511 |
| Memoranda: | ||
| Average total assets | $593,486,667 | 1,494 |
| Average earning assets | $556,921,667 | 1,474 |
| Average equity | $63,722,667 | 1,328 |
| Average total loans | $435,724,000 | 1,357 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 975 |
| Cost of funding earning assets | 1.0081% | 2,018 |
| Net interest margin | 4.1734% | 990 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.7470% | 1,555 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2461% | 1,804 |
| Return on assets (ROA) | 1.1687% | 1,995 |
| Pretax return on assets | 1.5871% | 1,495 |
| Return on Equity (ROE) | 10.9100% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.2916% | 1,864 |
| Net charge-offs to loans | -0.0112% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5080% | 2,753 |
| Assets per employee ($millions) | 5.8203% | 2,920 |
| Cash dividends to net income (ytd only)* | 14.8428% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,070 |
| Loan loss allowance to noncurrent loans | 209.5702% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,158 |
| Noncurrent loans to loans | 0.5239% | 1,410 |
| Net loans and leases to total assets | 73.2100% | 1,298 |
| Net loans and leases to deposits | 87.1887% | 1,279 |
| Net loans and leases to core deposits | 89.0129% | 1,678 |
| Total domestic deposits to total assets | 83.9600% | 3,103 |
| Equity capital to assets | 11.0540% | 1,325 |
| Core capital (leverage) ratio | 12.4143% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2880% | 1,546 |
| Memoranda: | ||
| Average total assets | $587,990,000 | 1,531 |
| Average earning assets | $551,110,000 | 1,517 |
| Average equity | $62,981,500 | 1,349 |
| Average total loans | $429,059,500 | 1,389 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 1,196 |
| Cost of funding earning assets | 0.2999% | 2,876 |
| Net interest margin | 3.9275% | 898 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.5543% | 1,954 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2739% | 1,518 |
| Return on assets (ROA) | 1.2737% | 1,474 |
| Pretax return on assets | 1.7307% | 857 |
| Return on Equity (ROE) | 12.1600% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.6116% | 1,274 |
| Net charge-offs to loans | 0.0132% | 1,884 |
| Credit loss provision to net charge-offs | 865.3846% | 473 |
| Earnings coverage of net charge-offs (x) | 204.8846% | 639 |
| Efficiency ratio | 58.5625% | 3,256 |
| Assets per employee ($millions) | 6.0608% | 2,708 |
| Cash dividends to net income (ytd only)* | 20.9776% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,350 |
| Loan loss allowance to noncurrent loans | 161.8958% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 841 |
| Noncurrent loans to loans | 0.7456% | 1,008 |
| Net loans and leases to total assets | 71.0700% | 1,519 |
| Net loans and leases to deposits | 80.3584% | 1,745 |
| Net loans and leases to core deposits | 81.8808% | 2,012 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 10.3755% | 1,519 |
| Core capital (leverage) ratio | 12.1153% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2155% | 1,560 |
| Memoranda: | ||
| Average total assets | $589,480,400 | 1,514 |
| Average earning assets | $549,512,200 | 1,504 |
| Average equity | $61,727,400 | 1,372 |
| Average total loans | $392,582,800 | 1,420 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 1,327 |
| Cost of funding earning assets | 0.2197% | 3,041 |
| Net interest margin | 3.7506% | 1,033 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5714% | 1,788 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1578% | 1,865 |
| Return on assets (ROA) | 1.1580% | 1,842 |
| Pretax return on assets | 1.5713% | 1,202 |
| Return on Equity (ROE) | 11.0300% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.3813% | 1,525 |
| Net charge-offs to loans | 0.0021% | 2,204 |
| Credit loss provision to net charge-offs | 5,833.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 1,213.8333% | 117 |
| Efficiency ratio | 60.9071% | 2,992 |
| Assets per employee ($millions) | 6.2711% | 2,512 |
| Cash dividends to net income (ytd only)* | 14.9706% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,395 |
| Loan loss allowance to noncurrent loans | 151.4990% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 710 |
| Noncurrent loans to loans | 0.8088% | 985 |
| Net loans and leases to total assets | 69.8000% | 1,493 |
| Net loans and leases to deposits | 78.9012% | 1,644 |
| Net loans and leases to core deposits | 80.2274% | 1,884 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 10.1665% | 1,535 |
| Core capital (leverage) ratio | 11.7374% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0951% | 1,676 |
| Memoranda: | ||
| Average total assets | $588,361,750 | 1,519 |
| Average earning assets | $548,097,250 | 1,515 |
| Average equity | $61,752,750 | 1,388 |
| Average total loans | $383,900,750 | 1,443 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 1,427 |
| Cost of funding earning assets | 0.1769% | 3,217 |
| Net interest margin | 3.5694% | 1,136 |
| Noninterest income to average assets | 0.7816% | 1,094 |
| Noninterest expense to average assets | 2.5786% | 1,700 |
| Loan and lease loss provision to assets | 0.0680% | 1,397 |
| Net operating income to assets | 1.0755% | 1,875 |
| Return on assets (ROA) | 1.0728% | 1,859 |
| Pretax return on assets | 1.4541% | 1,302 |
| Return on Equity (ROE) | 10.1154% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.4797% | 1,447 |
| Net charge-offs to loans | -0.0097% | 3,584 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8294% | 2,937 |
| Assets per employee ($millions) | 6.0301% | 2,716 |
| Cash dividends to net income (ytd only)* | 16.1699% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,321 |
| Loan loss allowance to noncurrent loans | 145.1020% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 701 |
| Noncurrent loans to loans | 0.8767% | 967 |
| Net loans and leases to total assets | 66.7267% | 1,609 |
| Net loans and leases to deposits | 76.4973% | 1,647 |
| Net loans and leases to core deposits | 77.7083% | 1,875 |
| Total domestic deposits to total assets | 87.2275% | 2,858 |
| Equity capital to assets | 10.4557% | 1,453 |
| Core capital (leverage) ratio | 11.6934% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9262% | 1,722 |
| Memoranda: | ||
| Average total assets | $587,988,000 | 1,528 |
| Average earning assets | $547,319,667 | 1,531 |
| Average equity | $62,360,333 | 1,405 |
| Average total loans | $373,017,667 | 1,464 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 1,605 |
| Cost of funding earning assets | 0.1659% | 3,278 |
| Net interest margin | 3.3983% | 1,300 |
| Noninterest income to average assets | 0.8621% | 908 |
| Noninterest expense to average assets | 2.5740% | 1,678 |
| Loan and lease loss provision to assets | 0.0338% | 1,752 |
| Net operating income to assets | 1.0377% | 1,733 |
| Return on assets (ROA) | 1.0355% | 1,735 |
| Pretax return on assets | 1.4035% | 1,242 |
| Return on Equity (ROE) | 9.6970% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.0851% | 1,556 |
| Net charge-offs to loans | 0.0033% | 1,663 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 711.0000% | 135 |
| Efficiency ratio | 64.1271% | 3,011 |
| Assets per employee ($millions) | 5.9441% | 2,856 |
| Cash dividends to net income (ytd only)* | 16.6232% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,429 |
| Loan loss allowance to noncurrent loans | 132.5248% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 709 |
| Noncurrent loans to loans | 0.9700% | 935 |
| Net loans and leases to total assets | 63.3842% | 1,698 |
| Net loans and leases to deposits | 71.9904% | 1,776 |
| Net loans and leases to core deposits | 73.1506% | 2,005 |
| Total domestic deposits to total assets | 88.0452% | 2,501 |
| Equity capital to assets | 10.5447% | 1,578 |
| Core capital (leverage) ratio | 11.0919% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5951% | 1,619 |
| Memoranda: | ||
| Average total assets | $592,537,000 | 1,518 |
| Average earning assets | $549,565,500 | 1,531 |
| Average equity | $63,277,000 | 1,425 |
| Average total loans | $363,901,000 | 1,481 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 1,201 |
| Cost of funding earning assets | 0.2144% | 3,324 |
| Net interest margin | 3.8614% | 897 |
| Noninterest income to average assets | 1.2737% | 658 |
| Noninterest expense to average assets | 2.7194% | 1,577 |
| Loan and lease loss provision to assets | 0.0539% | 1,978 |
| Net operating income to assets | 1.5478% | 919 |
| Return on assets (ROA) | 1.5488% | 950 |
| Pretax return on assets | 2.1094% | 485 |
| Return on Equity (ROE) | 15.2022% | 909 |
| Retained earnings to average equity (ytd only) | 12.6626% | 447 |
| Net charge-offs to loans | 0.1269% | 719 |
| Credit loss provision to net charge-offs | 62.7615% | 2,052 |
| Earnings coverage of net charge-offs (x) | 25.1736% | 1,729 |
| Efficiency ratio | 55.7089% | 3,733 |
| Assets per employee ($millions) | 5.9659% | 2,814 |
| Cash dividends to net income (ytd only)* | 16.7053% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,160 |
| Loan loss allowance to noncurrent loans | 89.1052% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.0379% | 520 |
| Noncurrent loans to loans | 1.5100% | 598 |
| Net loans and leases to total assets | 57.9215% | 2,384 |
| Net loans and leases to deposits | 67.3699% | 2,368 |
| Net loans and leases to core deposits | 68.7158% | 2,580 |
| Total domestic deposits to total assets | 85.9753% | 2,920 |
| Equity capital to assets | 10.8088% | 1,934 |
| Core capital (leverage) ratio | 10.9882% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2382% | 1,449 |
| Memoranda: | ||
| Average total assets | $556,557,200 | 1,551 |
| Average earning assets | $519,996,800 | 1,544 |
| Average equity | $56,702,200 | 1,590 |
| Average total loans | $376,766,400 | 1,438 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 1,160 |
| Cost of funding earning assets | 0.2299% | 3,327 |
| Net interest margin | 3.9337% | 881 |
| Noninterest income to average assets | 1.4127% | 602 |
| Noninterest expense to average assets | 2.7730% | 1,402 |
| Loan and lease loss provision to assets | 0.0734% | 1,576 |
| Net operating income to assets | 1.6466% | 926 |
| Return on assets (ROA) | 1.6480% | 965 |
| Pretax return on assets | 2.2466% | 503 |
| Return on Equity (ROE) | 16.4527% | 855 |
| Retained earnings to average equity (ytd only) | 14.9386% | 409 |
| Net charge-offs to loans | 0.1694% | 506 |
| Credit loss provision to net charge-offs | 61.7284% | 1,795 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,758 |
| Efficiency ratio | 54.4660% | 3,731 |
| Assets per employee ($millions) | 6.0124% | 2,682 |
| Cash dividends to net income (ytd only)* | 9.2029% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,560 |
| Loan loss allowance to noncurrent loans | 135.7326% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 1,271 |
| Noncurrent loans to loans | 0.9479% | 1,215 |
| Net loans and leases to total assets | 62.5172% | 1,944 |
| Net loans and leases to deposits | 72.8255% | 1,977 |
| Net loans and leases to core deposits | 74.4384% | 2,192 |
| Total domestic deposits to total assets | 85.8452% | 2,802 |
| Equity capital to assets | 11.0615% | 1,972 |
| Core capital (leverage) ratio | 11.3931% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4837% | 1,492 |
| Memoranda: | ||
| Average total assets | $545,058,250 | 1,592 |
| Average earning assets | $509,696,250 | 1,585 |
| Average equity | $54,595,500 | 1,663 |
| Average total loans | $382,516,000 | 1,455 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 916 |
| Cost of funding earning assets | 0.2514% | 3,269 |
| Net interest margin | 4.1024% | 689 |
| Noninterest income to average assets | 1.7090% | 427 |
| Noninterest expense to average assets | 2.8572% | 1,239 |
| Loan and lease loss provision to assets | 0.1127% | 1,121 |
| Net operating income to assets | 1.8796% | 616 |
| Return on assets (ROA) | 1.8796% | 641 |
| Pretax return on assets | 2.5653% | 318 |
| Return on Equity (ROE) | 19.5085% | 498 |
| Retained earnings to average equity (ytd only) | 18.1048% | 220 |
| Net charge-offs to loans | 0.0047% | 1,983 |
| Credit loss provision to net charge-offs | 3,333.3333% | 194 |
| Earnings coverage of net charge-offs (x) | 792.0000% | 175 |
| Efficiency ratio | 51.6188% | 4,081 |
| Assets per employee ($millions) | 5.6484% | 2,962 |
| Cash dividends to net income (ytd only)* | 7.1957% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,043 |
| Loan loss allowance to noncurrent loans | 139.8983% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 1,243 |
| Noncurrent loans to loans | 0.9894% | 1,248 |
| Net loans and leases to total assets | 66.6075% | 1,620 |
| Net loans and leases to deposits | 76.4391% | 1,776 |
| Net loans and leases to core deposits | 78.3358% | 2,024 |
| Total domestic deposits to total assets | 87.1380% | 2,246 |
| Equity capital to assets | 9.5335% | 3,304 |
| Core capital (leverage) ratio | 9.8605% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7169% | 2,473 |
| Memoranda: | ||
| Average total assets | $532,344,000 | 1,618 |
| Average earning assets | $496,484,333 | 1,613 |
| Average equity | $51,290,333 | 1,734 |
| Average total loans | $386,903,667 | 1,451 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 638 |
| Cost of funding earning assets | 0.2875% | 3,125 |
| Net interest margin | 4.3317% | 489 |
| Noninterest income to average assets | 2.2624% | 305 |
| Noninterest expense to average assets | 3.0047% | 982 |
| Loan and lease loss provision to assets | 0.1156% | 1,187 |
| Net operating income to assets | 2.3191% | 349 |
| Return on assets (ROA) | 2.3264% | 372 |
| Pretax return on assets | 3.1812% | 194 |
| Return on Equity (ROE) | 24.0093% | 295 |
| Retained earnings to average equity (ytd only) | 23.2535% | 176 |
| Net charge-offs to loans | 0.0133% | 1,480 |
| Credit loss provision to net charge-offs | 1,153.8462% | 379 |
| Earnings coverage of net charge-offs (x) | 328.0769% | 278 |
| Efficiency ratio | 47.7521% | 4,357 |
| Assets per employee ($millions) | 5.1259% | 3,507 |
| Cash dividends to net income (ytd only)* | 3.1478% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,399 |
| Loan loss allowance to noncurrent loans | 157.5598% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 1,510 |
| Noncurrent loans to loans | 0.8311% | 1,607 |
| Net loans and leases to total assets | 74.6142% | 763 |
| Net loans and leases to deposits | 86.2059% | 950 |
| Net loans and leases to core deposits | 88.6073% | 1,320 |
| Total domestic deposits to total assets | 86.5535% | 2,502 |
| Equity capital to assets | 10.0438% | 2,669 |
| Core capital (leverage) ratio | 9.6379% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1330% | 2,617 |
| Memoranda: | ||
| Average total assets | $518,922,000 | 1,643 |
| Average earning assets | $482,761,500 | 1,639 |
| Average equity | $50,280,500 | 1,754 |
| Average total loans | $391,511,000 | 1,444 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,181 |
| Cost of funding earning assets | 0.6330% | 2,102 |
| Net interest margin | 3.9267% | 1,143 |
| Noninterest income to average assets | 1.2053% | 769 |
| Noninterest expense to average assets | 3.0529% | 1,324 |
| Loan and lease loss provision to assets | 0.2689% | 1,430 |
| Net operating income to assets | 1.1373% | 1,776 |
| Return on assets (ROA) | 1.1490% | 1,854 |
| Pretax return on assets | 1.5621% | 1,160 |
| Return on Equity (ROE) | 12.4709% | 1,183 |
| Retained earnings to average equity (ytd only) | 10.8817% | 450 |
| Net charge-offs to loans | 0.0110% | 2,933 |
| Credit loss provision to net charge-offs | 3,292.6829% | 302 |
| Earnings coverage of net charge-offs (x) | 222.3902% | 435 |
| Efficiency ratio | 62.6984% | 3,019 |
| Assets per employee ($millions) | 5.2006% | 3,157 |
| Cash dividends to net income (ytd only)* | 12.7427% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,696 |
| Loan loss allowance to noncurrent loans | 136.9764% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 1,519 |
| Noncurrent loans to loans | 0.9115% | 1,546 |
| Net loans and leases to total assets | 74.3534% | 975 |
| Net loans and leases to deposits | 85.2751% | 1,313 |
| Net loans and leases to core deposits | 88.5576% | 1,642 |
| Total domestic deposits to total assets | 87.1924% | 1,845 |
| Equity capital to assets | 9.3436% | 3,748 |
| Core capital (leverage) ratio | 9.4133% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2026% | 2,867 |
| Memoranda: | ||
| Average total assets | $502,022,600 | 1,547 |
| Average earning assets | $468,413,000 | 1,542 |
| Average equity | $46,251,800 | 1,802 |
| Average total loans | $374,241,600 | 1,433 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,090 |
| Cost of funding earning assets | 0.7272% | 1,867 |
| Net interest margin | 3.9630% | 1,204 |
| Noninterest income to average assets | 1.3781% | 583 |
| Noninterest expense to average assets | 3.1319% | 1,181 |
| Loan and lease loss provision to assets | 0.4166% | 817 |
| Net operating income to assets | 1.1244% | 1,899 |
| Return on assets (ROA) | 1.1390% | 1,969 |
| Pretax return on assets | 1.5488% | 1,333 |
| Return on Equity (ROE) | 12.4093% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.5604% | 490 |
| Net charge-offs to loans | 0.2353% | 651 |
| Credit loss provision to net charge-offs | 238.0952% | 1,970 |
| Earnings coverage of net charge-offs (x) | 11.1290% | 2,316 |
| Efficiency ratio | 61.6687% | 3,128 |
| Assets per employee ($millions) | 5.0951% | 3,119 |
| Cash dividends to net income (ytd only)* | 6.8412% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,889 |
| Loan loss allowance to noncurrent loans | 131.0654% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 952 |
| Noncurrent loans to loans | 0.8846% | 1,693 |
| Net loans and leases to total assets | 72.8306% | 1,530 |
| Net loans and leases to deposits | 84.3251% | 1,878 |
| Net loans and leases to core deposits | 91.8305% | 1,811 |
| Total domestic deposits to total assets | 86.3688% | 1,909 |
| Equity capital to assets | 9.0673% | 4,062 |
| Core capital (leverage) ratio | 8.4572% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1025% | 2,897 |
| Memoranda: | ||
| Average total assets | $496,213,750 | 1,541 |
| Average earning assets | $463,345,750 | 1,531 |
| Average equity | $45,545,250 | 1,820 |
| Average total loans | $368,930,750 | 1,448 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,502 |
| Cost of funding earning assets | 0.7899% | 1,877 |
| Net interest margin | 3.8726% | 1,642 |
| Noninterest income to average assets | 1.2887% | 614 |
| Noninterest expense to average assets | 3.2405% | 1,089 |
| Loan and lease loss provision to assets | 0.5361% | 634 |
| Net operating income to assets | 0.8327% | 2,924 |
| Return on assets (ROA) | 0.8565% | 2,966 |
| Pretax return on assets | 1.1592% | 2,500 |
| Return on Equity (ROE) | 9.2907% | 2,255 |
| Retained earnings to average equity (ytd only) | 8.4184% | 1,186 |
| Net charge-offs to loans | 0.2057% | 755 |
| Credit loss provision to net charge-offs | 349.4624% | 1,518 |
| Earnings coverage of net charge-offs (x) | 10.8548% | 2,126 |
| Efficiency ratio | 66.0558% | 2,508 |
| Assets per employee ($millions) | 5.2868% | 2,852 |
| Cash dividends to net income (ytd only)* | 9.3885% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,646 |
| Loan loss allowance to noncurrent loans | 124.0338% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 1,026 |
| Noncurrent loans to loans | 0.9458% | 1,636 |
| Net loans and leases to total assets | 70.5030% | 1,951 |
| Net loans and leases to deposits | 82.0650% | 2,200 |
| Net loans and leases to core deposits | 87.3674% | 2,316 |
| Total domestic deposits to total assets | 85.9112% | 2,050 |
| Equity capital to assets | 8.4420% | 4,509 |
| Core capital (leverage) ratio | 8.8274% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7509% | 3,033 |
| Memoranda: | ||
| Average total assets | $484,987,333 | 1,542 |
| Average earning assets | $452,974,000 | 1,533 |
| Average equity | $44,711,333 | 1,837 |
| Average total loans | $361,757,333 | 1,451 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 933 |
| Cost of funding earning assets | 0.9367% | 1,708 |
| Net interest margin | 4.0809% | 1,175 |
| Noninterest income to average assets | 1.1397% | 671 |
| Noninterest expense to average assets | 3.5799% | 836 |
| Loan and lease loss provision to assets | 0.2636% | 1,182 |
| Net operating income to assets | 0.8074% | 2,881 |
| Return on assets (ROA) | 0.8269% | 2,892 |
| Pretax return on assets | 1.1186% | 2,456 |
| Return on Equity (ROE) | 8.5386% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.6312% | 1,336 |
| Net charge-offs to loans | 0.4328% | 340 |
| Credit loss provision to net charge-offs | 79.5756% | 1,939 |
| Earnings coverage of net charge-offs (x) | 4.0981% | 2,159 |
| Efficiency ratio | 72.5040% | 2,002 |
| Assets per employee ($millions) | 4.0153% | 3,897 |
| Cash dividends to net income (ytd only)* | 10.6270% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,720 |
| Loan loss allowance to noncurrent loans | 124.6753% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 1,077 |
| Noncurrent loans to loans | 0.8019% | 2,008 |
| Net loans and leases to total assets | 77.5223% | 1,049 |
| Net loans and leases to deposits | 95.0927% | 989 |
| Net loans and leases to core deposits | 103.9227% | 1,190 |
| Total domestic deposits to total assets | 81.5229% | 3,541 |
| Equity capital to assets | 9.8595% | 3,917 |
| Core capital (leverage) ratio | 9.4914% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1652% | 3,302 |
| Memoranda: | ||
| Average total assets | $455,212,500 | 1,590 |
| Average earning assets | $423,637,000 | 1,583 |
| Average equity | $44,082,000 | 1,845 |
| Average total loans | $348,400,000 | 1,458 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,099 |
| Cost of funding earning assets | 0.9323% | 2,046 |
| Net interest margin | 4.2217% | 1,273 |
| Noninterest income to average assets | 0.9292% | 1,117 |
| Noninterest expense to average assets | 3.8028% | 670 |
| Loan and lease loss provision to assets | 0.1337% | 1,592 |
| Net operating income to assets | 0.6830% | 3,918 |
| Return on assets (ROA) | 0.6802% | 3,994 |
| Pretax return on assets | 0.9171% | 3,688 |
| Return on Equity (ROE) | 7.0678% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.4204% | 2,748 |
| Net charge-offs to loans | 0.0793% | 1,966 |
| Credit loss provision to net charge-offs | 222.0077% | 1,197 |
| Earnings coverage of net charge-offs (x) | 17.5097% | 2,104 |
| Efficiency ratio | 78.2942% | 1,116 |
| Assets per employee ($millions) | 3.9712% | 3,937 |
| Cash dividends to net income (ytd only)* | 37.4573% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,156 |
| Loan loss allowance to noncurrent loans | 115.4679% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 948 |
| Noncurrent loans to loans | 0.9201% | 1,671 |
| Net loans and leases to total assets | 73.9833% | 1,757 |
| Net loans and leases to deposits | 84.1702% | 2,311 |
| Net loans and leases to core deposits | 95.3838% | 1,949 |
| Total domestic deposits to total assets | 87.8973% | 1,176 |
| Equity capital to assets | 9.5093% | 4,346 |
| Core capital (leverage) ratio | 9.6925% | 3,855 |
| Tier 1 risk-based capital ratio | 10.5487% | 5,005 |
| Total risk-based capital ratio | 11.4417% | 5,035 |
| Memoranda: | ||
| Average total assets | $430,151,400 | 1,628 |
| Average earning assets | $400,214,400 | 1,628 |
| Average equity | $41,398,800 | 1,872 |
| Average total loans | $326,473,800 | 1,511 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 1,074 |
| Cost of funding earning assets | 0.9419% | 2,029 |
| Net interest margin | 4.2419% | 1,277 |
| Noninterest income to average assets | 0.8639% | 1,230 |
| Noninterest expense to average assets | 3.8483% | 622 |
| Loan and lease loss provision to assets | 0.1102% | 1,767 |
| Net operating income to assets | 0.6331% | 4,203 |
| Return on assets (ROA) | 0.6306% | 4,263 |
| Pretax return on assets | 0.8494% | 4,009 |
| Return on Equity (ROE) | 6.5309% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.2235% | 2,780 |
| Net charge-offs to loans | 0.0665% | 1,877 |
| Credit loss provision to net charge-offs | 217.3913% | 1,232 |
| Earnings coverage of net charge-offs (x) | 18.9939% | 2,027 |
| Efficiency ratio | 79.9895% | 925 |
| Assets per employee ($millions) | 3.9850% | 3,931 |
| Cash dividends to net income (ytd only)* | 20.0198% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,228 |
| Loan loss allowance to noncurrent loans | 101.5965% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 865 |
| Noncurrent loans to loans | 1.0437% | 1,537 |
| Net loans and leases to total assets | 74.5003% | 1,716 |
| Net loans and leases to deposits | 89.8573% | 1,714 |
| Net loans and leases to core deposits | 102.1722% | 1,483 |
| Total domestic deposits to total assets | 82.9096% | 3,198 |
| Equity capital to assets | 9.8467% | 4,164 |
| Core capital (leverage) ratio | 9.9815% | 3,657 |
| Tier 1 risk-based capital ratio | 10.7854% | 4,991 |
| Total risk-based capital ratio | 11.6711% | 5,025 |
| Memoranda: | ||
| Average total assets | $423,516,500 | 1,663 |
| Average earning assets | $394,094,250 | 1,662 |
| Average equity | $40,891,500 | 1,897 |
| Average total loans | $322,716,500 | 1,528 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 994 |
| Cost of funding earning assets | 0.9551% | 1,885 |
| Net interest margin | 4.2360% | 1,278 |
| Noninterest income to average assets | 0.8285% | 1,256 |
| Noninterest expense to average assets | 3.8072% | 656 |
| Loan and lease loss provision to assets | 0.1433% | 1,292 |
| Net operating income to assets | 0.6138% | 4,271 |
| Return on assets (ROA) | 0.6078% | 4,329 |
| Pretax return on assets | 0.8161% | 4,051 |
| Return on Equity (ROE) | 6.3387% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.9135% | 2,819 |
| Net charge-offs to loans | 0.0749% | 1,616 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 16.8667% | 1,913 |
| Efficiency ratio | 79.7438% | 988 |
| Assets per employee ($millions) | 3.8069% | 4,114 |
| Cash dividends to net income (ytd only)* | 22.4843% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,158 |
| Loan loss allowance to noncurrent loans | 107.8443% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 810 |
| Noncurrent loans to loans | 1.0039% | 1,635 |
| Net loans and leases to total assets | 76.1925% | 1,514 |
| Net loans and leases to deposits | 88.5429% | 1,936 |
| Net loans and leases to core deposits | 102.0071% | 1,553 |
| Total domestic deposits to total assets | 86.0515% | 2,010 |
| Equity capital to assets | 10.1198% | 3,864 |
| Core capital (leverage) ratio | 9.9768% | 3,600 |
| Tier 1 risk-based capital ratio | 10.9325% | 4,945 |
| Total risk-based capital ratio | 11.8415% | 4,985 |
| Memoranda: | ||
| Average total assets | $418,571,670 | 1,689 |
| Average earning assets | $389,895,000 | 1,680 |
| Average equity | $40,134,330 | 1,924 |
| Average total loans | $320,264,330 | 1,545 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,208 |
| Cost of funding earning assets | 0.9396% | 1,838 |
| Net interest margin | 4.1147% | 1,513 |
| Noninterest income to average assets | 0.7245% | 1,532 |
| Noninterest expense to average assets | 3.7269% | 723 |
| Loan and lease loss provision to assets | 0.1434% | 1,192 |
| Net operating income to assets | 0.5162% | 4,475 |
| Return on assets (ROA) | 0.5018% | 4,538 |
| Pretax return on assets | 0.6662% | 4,381 |
| Return on Equity (ROE) | 5.3829% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.4505% | 3,940 |
| Net charge-offs to loans | 0.1441% | 892 |
| Credit loss provision to net charge-offs | 130.4348% | 1,352 |
| Earnings coverage of net charge-offs (x) | 7.5304% | 2,128 |
| Efficiency ratio | 81.8258% | 892 |
| Assets per employee ($millions) | 3.7916% | 4,206 |
| Cash dividends to net income (ytd only)* | 54.4762% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,513 |
| Loan loss allowance to noncurrent loans | 69.5408% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8399% | 566 |
| Noncurrent loans to loans | 1.4840% | 1,087 |
| Net loans and leases to total assets | 76.9566% | 1,324 |
| Net loans and leases to deposits | 90.7692% | 1,534 |
| Net loans and leases to core deposits | 108.8946% | 993 |
| Total domestic deposits to total assets | 84.7827% | 2,760 |
| Equity capital to assets | 9.8931% | 3,925 |
| Core capital (leverage) ratio | 9.8768% | 3,732 |
| Tier 1 risk-based capital ratio | 10.7531% | 5,087 |
| Total risk-based capital ratio | 11.6256% | 5,126 |
| Memoranda: | ||
| Average total assets | $418,476,000 | 1,694 |
| Average earning assets | $389,530,000 | 1,686 |
| Average equity | $39,012,500 | 1,970 |
| Average total loans | $319,117,500 | 1,562 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 1,480 |
| Cost of funding earning assets | 0.7486% | 1,799 |
| Net interest margin | 4.0770% | 1,754 |
| Noninterest income to average assets | 0.8351% | 1,350 |
| Noninterest expense to average assets | 3.9469% | 576 |
| Loan and lease loss provision to assets | 0.1753% | 1,128 |
| Net operating income to assets | 0.3829% | 4,889 |
| Return on assets (ROA) | 0.3871% | 4,879 |
| Pretax return on assets | 0.5009% | 4,794 |
| Return on Equity (ROE) | 4.3813% | 4,612 |
| Retained earnings to average equity (ytd only) | 0.7006% | 4,803 |
| Net charge-offs to loans | 0.0599% | 2,279 |
| Credit loss provision to net charge-offs | 391.8919% | 838 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,349 |
| Efficiency ratio | 85.4712% | 557 |
| Assets per employee ($millions) | 3.7157% | 4,296 |
| Cash dividends to net income (ytd only)* | 84.0100% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,349 |
| Loan loss allowance to noncurrent loans | 60.0109% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 2.0409% | 465 |
| Noncurrent loans to loans | 1.7581% | 809 |
| Net loans and leases to total assets | 73.9762% | 1,940 |
| Net loans and leases to deposits | 84.6486% | 2,445 |
| Net loans and leases to core deposits | 96.2552% | 2,045 |
| Total domestic deposits to total assets | 87.3922% | 1,587 |
| Equity capital to assets | 8.7557% | 4,762 |
| Core capital (leverage) ratio | 9.1504% | 4,507 |
| Tier 1 risk-based capital ratio | 9.5805% | 5,364 |
| Total risk-based capital ratio | 10.4291% | 5,375 |
| Memoranda: | ||
| Average total assets | $413,618,000 | 1,657 |
| Average earning assets | $383,765,400 | 1,657 |
| Average equity | $36,541,400 | 2,007 |
| Average total loans | $308,619,400 | 1,563 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,447 |
| Cost of funding earning assets | 0.7198% | 1,746 |
| Net interest margin | 4.0713% | 1,719 |
| Noninterest income to average assets | 0.8364% | 1,363 |
| Noninterest expense to average assets | 3.9706% | 540 |
| Loan and lease loss provision to assets | 0.1861% | 971 |
| Net operating income to assets | 0.3592% | 5,014 |
| Return on assets (ROA) | 0.3592% | 5,013 |
| Pretax return on assets | 0.4608% | 4,957 |
| Return on Equity (ROE) | 4.0562% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.6262% | 4,692 |
| Net charge-offs to loans | 0.0529% | 2,067 |
| Credit loss provision to net charge-offs | 471.3115% | 738 |
| Earnings coverage of net charge-offs (x) | 16.3855% | 2,165 |
| Efficiency ratio | 85.9916% | 518 |
| Assets per employee ($millions) | 3.5953% | 4,441 |
| Cash dividends to net income (ytd only)* | 59.9097% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,530 |
| Loan loss allowance to noncurrent loans | 95.1608% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 817 |
| Noncurrent loans to loans | 1.0933% | 1,558 |
| Net loans and leases to total assets | 76.8667% | 1,521 |
| Net loans and leases to deposits | 90.4208% | 1,832 |
| Net loans and leases to core deposits | 105.5882% | 1,344 |
| Total domestic deposits to total assets | 85.0100% | 2,603 |
| Equity capital to assets | 9.1348% | 4,437 |
| Core capital (leverage) ratio | 9.2162% | 4,498 |
| Tier 1 risk-based capital ratio | 11.1386% | 4,973 |
| Total risk-based capital ratio | 12.0947% | 5,012 |
| Memoranda: | ||
| Average total assets | $412,054,000 | 1,667 |
| Average earning assets | $382,671,000 | 1,667 |
| Average equity | $36,486,000 | 2,007 |
| Average total loans | $307,294,500 | 1,569 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,572 |
| Cost of funding earning assets | 0.6723% | 1,797 |
| Net interest margin | 4.0015% | 1,855 |
| Noninterest income to average assets | 0.7724% | 1,560 |
| Noninterest expense to average assets | 3.9906% | 541 |
| Loan and lease loss provision to assets | 0.2402% | 652 |
| Net operating income to assets | 0.2094% | 5,222 |
| Return on assets (ROA) | 0.2094% | 5,215 |
| Pretax return on assets | 0.2551% | 5,201 |
| Return on Equity (ROE) | 2.3893% | 5,123 |
| Retained earnings to average equity (ytd only) | -0.0219% | 4,961 |
| Net charge-offs to loans | 0.0601% | 1,746 |
| Credit loss provision to net charge-offs | 543.4783% | 669 |
| Earnings coverage of net charge-offs (x) | 11.2065% | 2,288 |
| Efficiency ratio | 88.9603% | 413 |
| Assets per employee ($millions) | 3.8744% | 4,094 |
| Cash dividends to net income (ytd only)* | 100.9174% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,765 |
| Loan loss allowance to noncurrent loans | 96.8921% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 957 |
| Noncurrent loans to loans | 1.0432% | 1,679 |
| Net loans and leases to total assets | 74.4249% | 1,877 |
| Net loans and leases to deposits | 88.9449% | 1,991 |
| Net loans and leases to core deposits | 104.5100% | 1,353 |
| Total domestic deposits to total assets | 83.6754% | 3,184 |
| Equity capital to assets | 8.6630% | 4,831 |
| Core capital (leverage) ratio | 9.0584% | 4,635 |
| Tier 1 risk-based capital ratio | 10.9451% | 5,083 |
| Total risk-based capital ratio | 11.8830% | 5,112 |
| Memoranda: | ||
| Average total assets | $416,379,000 | 1,654 |
| Average earning assets | $386,409,000 | 1,650 |
| Average equity | $36,496,330 | 2,012 |
| Average total loans | $306,398,000 | 1,569 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,525 |
| Cost of funding earning assets | 0.6230% | 1,896 |
| Net interest margin | 3.9915% | 1,750 |
| Noninterest income to average assets | 0.7435% | 1,645 |
| Noninterest expense to average assets | 3.7453% | 713 |
| Loan and lease loss provision to assets | 0.3852% | 298 |
| Net operating income to assets | 0.2485% | 5,184 |
| Return on assets (ROA) | 0.2485% | 5,185 |
| Pretax return on assets | 0.3091% | 5,160 |
| Return on Equity (ROE) | 2.8181% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.4151% | 4,738 |
| Net charge-offs to loans | 0.0701% | 1,417 |
| Credit loss provision to net charge-offs | 754.7170% | 433 |
| Earnings coverage of net charge-offs (x) | 13.6038% | 1,746 |
| Efficiency ratio | 84.3601% | 773 |
| Assets per employee ($millions) | 3.5676% | 4,586 |
| Cash dividends to net income (ytd only)* | 85.2713% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,815 |
| Loan loss allowance to noncurrent loans | 115.3476% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 978 |
| Noncurrent loans to loans | 0.8886% | 2,050 |
| Net loans and leases to total assets | 75.3749% | 1,640 |
| Net loans and leases to deposits | 88.5575% | 1,865 |
| Net loans and leases to core deposits | 105.5044% | 1,278 |
| Total domestic deposits to total assets | 85.1141% | 2,897 |
| Equity capital to assets | 9.0972% | 4,458 |
| Core capital (leverage) ratio | 8.8894% | 4,812 |
| Tier 1 risk-based capital ratio | 11.8076% | 4,679 |
| Total risk-based capital ratio | 12.7993% | 4,731 |
| Memoranda: | ||
| Average total assets | $415,351,000 | 1,665 |
| Average earning assets | $384,616,500 | 1,678 |
| Average equity | $36,620,000 | 2,009 |
| Average total loans | $302,297,000 | 1,592 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,945 |
| Cost of funding earning assets | 0.5529% | 1,929 |
| Net interest margin | 3.8752% | 2,165 |
| Noninterest income to average assets | 0.8207% | 1,501 |
| Noninterest expense to average assets | 3.6298% | 866 |
| Loan and lease loss provision to assets | 0.1199% | 1,910 |
| Net operating income to assets | 0.3741% | 4,774 |
| Return on assets (ROA) | 0.3741% | 4,789 |
| Pretax return on assets | 0.6547% | 4,617 |
| Return on Equity (ROE) | 4.2089% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.5801% | 4,810 |
| Net charge-offs to loans | 0.1423% | 1,651 |
| Credit loss provision to net charge-offs | 120.7729% | 2,162 |
| Earnings coverage of net charge-offs (x) | 7.8019% | 2,990 |
| Efficiency ratio | 82.4122% | 898 |
| Assets per employee ($millions) | 3.7490% | 4,363 |
| Cash dividends to net income (ytd only)* | 86.2179% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,356 |
| Loan loss allowance to noncurrent loans | 99.3192% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 1,020 |
| Noncurrent loans to loans | 0.9294% | 1,921 |
| Net loans and leases to total assets | 69.0107% | 2,684 |
| Net loans and leases to deposits | 80.4823% | 2,862 |
| Net loans and leases to core deposits | 90.0197% | 2,569 |
| Total domestic deposits to total assets | 85.7465% | 2,553 |
| Equity capital to assets | 8.5566% | 5,079 |
| Core capital (leverage) ratio | 8.8068% | 4,853 |
| Tier 1 risk-based capital ratio | 11.6911% | 4,730 |
| Total risk-based capital ratio | 12.5644% | 4,846 |
| Memoranda: | ||
| Average total assets | $416,963,600 | 1,647 |
| Average earning assets | $385,606,200 | 1,644 |
| Average equity | $37,064,600 | 1,974 |
| Average total loans | $291,033,800 | 1,608 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 1,970 |
| Cost of funding earning assets | 0.5459% | 1,926 |
| Net interest margin | 3.8515% | 2,219 |
| Noninterest income to average assets | 0.7801% | 1,665 |
| Noninterest expense to average assets | 3.5259% | 949 |
| Loan and lease loss provision to assets | 0.0726% | 2,622 |
| Net operating income to assets | 0.4915% | 4,753 |
| Return on assets (ROA) | 0.4915% | 4,788 |
| Pretax return on assets | 0.7495% | 4,488 |
| Return on Equity (ROE) | 5.4757% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.0684% | 4,081 |
| Net charge-offs to loans | 0.0785% | 2,014 |
| Credit loss provision to net charge-offs | 132.3529% | 1,863 |
| Earnings coverage of net charge-offs (x) | 14.9942% | 2,261 |
| Efficiency ratio | 81.0933% | 989 |
| Assets per employee ($millions) | 3.8926% | 4,173 |
| Cash dividends to net income (ytd only)* | 43.9632% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,482 |
| Loan loss allowance to noncurrent loans | 137.8079% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 1,111 |
| Noncurrent loans to loans | 0.6652% | 2,707 |
| Net loans and leases to total assets | 71.7997% | 2,281 |
| Net loans and leases to deposits | 84.6040% | 2,482 |
| Net loans and leases to core deposits | 95.2877% | 2,149 |
| Total domestic deposits to total assets | 84.8656% | 2,766 |
| Equity capital to assets | 9.1492% | 4,772 |
| Core capital (leverage) ratio | 9.1500% | 4,568 |
| Tier 1 risk-based capital ratio | 11.7064% | 4,825 |
| Total risk-based capital ratio | 12.5579% | 4,963 |
| Memoranda: | ||
| Average total assets | $413,422,000 | 1,669 |
| Average earning assets | $382,977,250 | 1,667 |
| Average equity | $37,108,250 | 1,980 |
| Average total loans | $288,717,750 | 1,623 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,136 |
| Cost of funding earning assets | 0.5401% | 1,840 |
| Net interest margin | 3.7573% | 2,446 |
| Noninterest income to average assets | 0.7382% | 1,822 |
| Noninterest expense to average assets | 3.4954% | 1,017 |
| Loan and lease loss provision to assets | 0.0725% | 2,523 |
| Net operating income to assets | 0.4288% | 4,902 |
| Return on assets (ROA) | 0.4288% | 4,928 |
| Pretax return on assets | 0.6478% | 4,692 |
| Return on Equity (ROE) | 4.8084% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.3961% | 4,246 |
| Net charge-offs to loans | 0.0112% | 3,067 |
| Credit loss provision to net charge-offs | 937.5000% | 404 |
| Earnings coverage of net charge-offs (x) | 93.1250% | 687 |
| Efficiency ratio | 82.9128% | 928 |
| Assets per employee ($millions) | 3.8325% | 4,228 |
| Cash dividends to net income (ytd only)* | 50.1691% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,313 |
| Loan loss allowance to noncurrent loans | 151.8578% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 1,147 |
| Noncurrent loans to loans | 0.6399% | 2,814 |
| Net loans and leases to total assets | 68.1720% | 2,788 |
| Net loans and leases to deposits | 79.9384% | 2,912 |
| Net loans and leases to core deposits | 91.9682% | 2,340 |
| Total domestic deposits to total assets | 85.2807% | 2,704 |
| Equity capital to assets | 8.8684% | 5,021 |
| Core capital (leverage) ratio | 8.7047% | 5,044 |
| Tier 1 risk-based capital ratio | 11.9670% | 4,653 |
| Total risk-based capital ratio | 12.8727% | 4,764 |
| Memoranda: | ||
| Average total assets | $413,690,670 | 1,672 |
| Average earning assets | $382,878,000 | 1,673 |
| Average equity | $36,894,000 | 1,984 |
| Average total loans | $285,291,000 | 1,635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,218 |
| Cost of funding earning assets | 0.4898% | 2,166 |
| Net interest margin | 3.7278% | 2,385 |
| Noninterest income to average assets | 0.6580% | 2,142 |
| Noninterest expense to average assets | 3.4411% | 1,122 |
| Loan and lease loss provision to assets | 0.0732% | 2,338 |
| Net operating income to assets | 0.3895% | 4,972 |
| Return on assets (ROA) | 0.3895% | 5,001 |
| Pretax return on assets | 0.5838% | 4,766 |
| Return on Equity (ROE) | 4.3550% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.8992% | 4,364 |
| Net charge-offs to loans | 0.0368% | 2,053 |
| Credit loss provision to net charge-offs | 288.4615% | 809 |
| Earnings coverage of net charge-offs (x) | 25.8846% | 1,326 |
| Efficiency ratio | 83.9686% | 972 |
| Assets per employee ($millions) | 4.6585% | 2,910 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,542 |
| Loan loss allowance to noncurrent loans | 177.2521% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 1,329 |
| Noncurrent loans to loans | 0.5370% | 3,201 |
| Net loans and leases to total assets | 67.1372% | 2,796 |
| Net loans and leases to deposits | 78.4914% | 2,920 |
| Net loans and leases to core deposits | 91.0310% | 2,262 |
| Total domestic deposits to total assets | 85.5345% | 2,873 |
| Equity capital to assets | 8.6928% | 5,077 |
| Core capital (leverage) ratio | 9.1702% | 4,524 |
| Tier 1 risk-based capital ratio | 12.0288% | 4,694 |
| Total risk-based capital ratio | 12.9185% | 4,828 |
| Memoranda: | ||
| Average total assets | $409,748,000 | 1,693 |
| Average earning assets | $378,134,500 | 1,696 |
| Average equity | $36,647,500 | 1,999 |
| Average total loans | $282,828,000 | 1,656 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 1,930 |
| Cost of funding earning assets | 0.4509% | 2,532 |
| Net interest margin | 3.9146% | 1,922 |
| Noninterest income to average assets | 0.9322% | 1,314 |
| Noninterest expense to average assets | 3.5989% | 1,019 |
| Loan and lease loss provision to assets | 0.2064% | 1,101 |
| Net operating income to assets | 0.4724% | 4,737 |
| Return on assets (ROA) | 0.4901% | 4,746 |
| Pretax return on assets | 0.7478% | 4,353 |
| Return on Equity (ROE) | 5.1023% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.3726% | 4,724 |
| Net charge-offs to loans | 0.1914% | 1,446 |
| Credit loss provision to net charge-offs | 152.8958% | 1,789 |
| Earnings coverage of net charge-offs (x) | 6.8707% | 3,107 |
| Efficiency ratio | 79.5130% | 1,481 |
| Assets per employee ($millions) | 4.2534% | 3,520 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,497 |
| Loan loss allowance to noncurrent loans | 168.9308% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 1,253 |
| Noncurrent loans to loans | 0.5713% | 3,126 |
| Net loans and leases to total assets | 69.6774% | 2,532 |
| Net loans and leases to deposits | 83.1149% | 2,530 |
| Net loans and leases to core deposits | 92.3490% | 2,265 |
| Total domestic deposits to total assets | 83.8327% | 3,491 |
| Equity capital to assets | 9.2130% | 4,569 |
| Core capital (leverage) ratio | 9.4709% | 4,123 |
| Tier 1 risk-based capital ratio | 12.1956% | 4,581 |
| Total risk-based capital ratio | 13.0850% | 4,734 |
| Memoranda: | ||
| Average total assets | $383,806,800 | 1,747 |
| Average earning assets | $352,375,000 | 1,761 |
| Average equity | $36,865,600 | 1,986 |
| Average total loans | $270,585,600 | 1,673 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 1,922 |
| Cost of funding earning assets | 0.4386% | 2,653 |
| Net interest margin | 3.9392% | 1,857 |
| Noninterest income to average assets | 0.9378% | 1,283 |
| Noninterest expense to average assets | 3.5739% | 1,036 |
| Loan and lease loss provision to assets | 0.2510% | 753 |
| Net operating income to assets | 0.4786% | 4,773 |
| Return on assets (ROA) | 0.5020% | 4,788 |
| Pretax return on assets | 0.7677% | 4,418 |
| Return on Equity (ROE) | 5.1715% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.6470% | 4,328 |
| Net charge-offs to loans | 0.2407% | 970 |
| Credit loss provision to net charge-offs | 147.8351% | 1,789 |
| Earnings coverage of net charge-offs (x) | 5.7876% | 3,080 |
| Efficiency ratio | 78.4342% | 1,629 |
| Assets per employee ($millions) | 4.4100% | 3,228 |
| Cash dividends to net income (ytd only)* | 48.8146% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,646 |
| Loan loss allowance to noncurrent loans | 197.7562% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 1,370 |
| Noncurrent loans to loans | 0.4824% | 3,563 |
| Net loans and leases to total assets | 71.5516% | 2,255 |
| Net loans and leases to deposits | 87.5806% | 2,071 |
| Net loans and leases to core deposits | 98.9247% | 1,734 |
| Total domestic deposits to total assets | 81.6980% | 4,041 |
| Equity capital to assets | 9.7737% | 4,391 |
| Core capital (leverage) ratio | 9.5908% | 4,071 |
| Tier 1 risk-based capital ratio | 12.5003% | 4,476 |
| Total risk-based capital ratio | 13.3924% | 4,612 |
| Memoranda: | ||
| Average total assets | $380,866,000 | 1,762 |
| Average earning assets | $349,875,500 | 1,779 |
| Average equity | $36,971,000 | 1,992 |
| Average total loans | $268,654,750 | 1,683 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,019 |
| Cost of funding earning assets | 0.4138% | 2,897 |
| Net interest margin | 3.9255% | 1,895 |
| Noninterest income to average assets | 0.8770% | 1,448 |
| Noninterest expense to average assets | 3.4685% | 1,225 |
| Loan and lease loss provision to assets | 0.3380% | 486 |
| Net operating income to assets | 0.4410% | 4,897 |
| Return on assets (ROA) | 0.4664% | 4,903 |
| Pretax return on assets | 0.7091% | 4,585 |
| Return on Equity (ROE) | 4.8159% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.2612% | 4,437 |
| Net charge-offs to loans | 0.3228% | 732 |
| Credit loss provision to net charge-offs | 149.6503% | 1,594 |
| Earnings coverage of net charge-offs (x) | 4.4662% | 2,983 |
| Efficiency ratio | 77.4721% | 1,861 |
| Assets per employee ($millions) | 4.4089% | 3,201 |
| Cash dividends to net income (ytd only)* | 53.0474% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 4,747 |
| Loan loss allowance to noncurrent loans | 126.1413% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 1,139 |
| Noncurrent loans to loans | 0.7553% | 2,853 |
| Net loans and leases to total assets | 69.5508% | 2,542 |
| Net loans and leases to deposits | 84.6001% | 2,396 |
| Net loans and leases to core deposits | 92.5539% | 2,303 |
| Total domestic deposits to total assets | 82.2112% | 3,935 |
| Equity capital to assets | 9.4924% | 4,774 |
| Core capital (leverage) ratio | 9.8104% | 3,804 |
| Tier 1 risk-based capital ratio | 12.5288% | 4,498 |
| Total risk-based capital ratio | 13.4243% | 4,636 |
| Memoranda: | ||
| Average total assets | $379,930,330 | 1,762 |
| Average earning assets | $348,436,000 | 1,782 |
| Average equity | $36,795,000 | 2,004 |
| Average total loans | $265,817,000 | 1,694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 1,858 |
| Cost of funding earning assets | 0.3961% | 3,119 |
| Net interest margin | 3.9845% | 1,660 |
| Noninterest income to average assets | 0.8488% | 1,447 |
| Noninterest expense to average assets | 3.5579% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6071% | 4,144 |
| Return on assets (ROA) | 0.6572% | 4,067 |
| Pretax return on assets | 1.0179% | 3,410 |
| Return on Equity (ROE) | 6.7161% | 3,606 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,414 |
| Net charge-offs to loans | -0.0169% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0864% | 1,736 |
| Assets per employee ($millions) | 4.1037% | 3,762 |
| Cash dividends to net income (ytd only)* | 38.2736% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,967 |
| Loan loss allowance to noncurrent loans | 138.1414% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 1,192 |
| Noncurrent loans to loans | 0.6703% | 3,164 |
| Net loans and leases to total assets | 70.9788% | 2,197 |
| Net loans and leases to deposits | 86.8222% | 1,966 |
| Net loans and leases to core deposits | 92.1501% | 2,169 |
| Total domestic deposits to total assets | 81.7518% | 4,297 |
| Equity capital to assets | 10.0962% | 3,956 |
| Core capital (leverage) ratio | 9.6538% | 3,965 |
| Tier 1 risk-based capital ratio | 13.1165% | 4,185 |
| Total risk-based capital ratio | 13.9830% | 4,349 |
| Memoranda: | ||
| Average total assets | $373,701,500 | 1,795 |
| Average earning assets | $342,329,500 | 1,820 |
| Average equity | $36,569,000 | 2,010 |
| Average total loans | $260,958,500 | 1,720 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,901 |
| Cost of funding earning assets | 0.3924% | 3,237 |
| Net interest margin | 4.0081% | 1,691 |
| Noninterest income to average assets | 0.9646% | 1,282 |
| Noninterest expense to average assets | 3.6721% | 1,013 |
| Loan and lease loss provision to assets | 0.0208% | 3,977 |
| Net operating income to assets | 0.6155% | 4,198 |
| Return on assets (ROA) | 0.6343% | 4,204 |
| Pretax return on assets | 0.9745% | 3,564 |
| Return on Equity (ROE) | 6.8012% | 3,618 |
| Retained earnings to average equity (ytd only) | 4.9115% | 2,486 |
| Net charge-offs to loans | 0.0940% | 2,484 |
| Credit loss provision to net charge-offs | 31.6456% | 3,628 |
| Earnings coverage of net charge-offs (x) | 14.7173% | 2,270 |
| Efficiency ratio | 79.1637% | 1,795 |
| Assets per employee ($millions) | 4.2941% | 3,394 |
| Cash dividends to net income (ytd only)* | 27.7851% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,986 |
| Loan loss allowance to noncurrent loans | 93.1994% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 1,114 |
| Noncurrent loans to loans | 0.9944% | 2,349 |
| Net loans and leases to total assets | 67.4685% | 2,789 |
| Net loans and leases to deposits | 79.6745% | 2,859 |
| Net loans and leases to core deposits | 84.2886% | 2,944 |
| Total domestic deposits to total assets | 84.6801% | 3,217 |
| Equity capital to assets | 9.4888% | 4,565 |
| Core capital (leverage) ratio | 10.0607% | 3,425 |
| Tier 1 risk-based capital ratio | 13.1059% | 4,242 |
| Total risk-based capital ratio | 13.9757% | 4,399 |
| Memoranda: | ||
| Average total assets | $360,887,400 | 1,817 |
| Average earning assets | $330,802,800 | 1,835 |
| Average equity | $33,655,600 | 2,113 |
| Average total loans | $252,220,400 | 1,717 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,852 |
| Cost of funding earning assets | 0.3900% | 3,325 |
| Net interest margin | 4.0303% | 1,607 |
| Noninterest income to average assets | 0.9963% | 1,192 |
| Noninterest expense to average assets | 3.6827% | 1,000 |
| Loan and lease loss provision to assets | 0.0281% | 3,681 |
| Net operating income to assets | 0.6386% | 4,191 |
| Return on assets (ROA) | 0.6596% | 4,201 |
| Pretax return on assets | 1.0143% | 3,559 |
| Return on Equity (ROE) | 7.1061% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.5567% | 1,919 |
| Net charge-offs to loans | 0.0480% | 2,936 |
| Credit loss provision to net charge-offs | 83.3333% | 2,559 |
| Earnings coverage of net charge-offs (x) | 29.9326% | 1,499 |
| Efficiency ratio | 78.4738% | 1,891 |
| Assets per employee ($millions) | 4.1234% | 3,669 |
| Cash dividends to net income (ytd only)* | 7.7317% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 4,839 |
| Loan loss allowance to noncurrent loans | 134.1898% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 1,330 |
| Noncurrent loans to loans | 0.7302% | 3,144 |
| Net loans and leases to total assets | 72.0842% | 2,051 |
| Net loans and leases to deposits | 87.9043% | 1,917 |
| Net loans and leases to core deposits | 93.8360% | 2,092 |
| Total domestic deposits to total assets | 82.0031% | 4,159 |
| Equity capital to assets | 10.1608% | 3,985 |
| Core capital (leverage) ratio | 10.1776% | 3,404 |
| Tier 1 risk-based capital ratio | 12.9684% | 4,439 |
| Total risk-based capital ratio | 13.8824% | 4,569 |
| Memoranda: | ||
| Average total assets | $355,565,000 | 1,855 |
| Average earning assets | $326,119,500 | 1,874 |
| Average equity | $33,003,500 | 2,162 |
| Average total loans | $250,210,250 | 1,734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 1,916 |
| Cost of funding earning assets | 0.3862% | 3,416 |
| Net interest margin | 3.9946% | 1,652 |
| Noninterest income to average assets | 0.9704% | 1,243 |
| Noninterest expense to average assets | 3.5441% | 1,229 |
| Loan and lease loss provision to assets | 0.0423% | 3,265 |
| Net operating income to assets | 0.6765% | 3,992 |
| Return on assets (ROA) | 0.6883% | 4,058 |
| Pretax return on assets | 1.0612% | 3,335 |
| Return on Equity (ROE) | 7.6599% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.2769% | 1,579 |
| Net charge-offs to loans | 0.0389% | 2,901 |
| Credit loss provision to net charge-offs | 156.2500% | 1,494 |
| Earnings coverage of net charge-offs (x) | 40.0833% | 1,128 |
| Efficiency ratio | 76.5537% | 2,276 |
| Assets per employee ($millions) | 4.0266% | 3,832 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,744 |
| Loan loss allowance to noncurrent loans | 132.7041% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8724% | 1,216 |
| Noncurrent loans to loans | 0.7715% | 3,184 |
| Net loans and leases to total assets | 72.6137% | 1,880 |
| Net loans and leases to deposits | 88.8652% | 1,739 |
| Net loans and leases to core deposits | 93.1553% | 2,046 |
| Total domestic deposits to total assets | 81.7121% | 4,380 |
| Equity capital to assets | 10.2611% | 3,737 |
| Core capital (leverage) ratio | 9.9531% | 3,679 |
| Tier 1 risk-based capital ratio | 13.0625% | 4,480 |
| Total risk-based capital ratio | 14.0106% | 4,564 |
| Memoranda: | ||
| Average total assets | $354,506,670 | 1,875 |
| Average earning assets | $324,738,000 | 1,889 |
| Average equity | $31,854,330 | 2,228 |
| Average total loans | $246,562,330 | 1,767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,206 |
| Cost of funding earning assets | 0.3715% | 3,628 |
| Net interest margin | 3.8949% | 1,916 |
| Noninterest income to average assets | 1.0083% | 1,103 |
| Noninterest expense to average assets | 3.5079% | 1,289 |
| Loan and lease loss provision to assets | 0.0837% | 2,297 |
| Net operating income to assets | 0.6397% | 4,089 |
| Return on assets (ROA) | 0.6637% | 4,108 |
| Pretax return on assets | 1.0206% | 3,420 |
| Return on Equity (ROE) | 7.9294% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.6762% | 1,695 |
| Net charge-offs to loans | 0.0840% | 1,872 |
| Credit loss provision to net charge-offs | 147.0588% | 1,266 |
| Earnings coverage of net charge-offs (x) | 18.7647% | 1,477 |
| Efficiency ratio | 76.6699% | 2,401 |
| Assets per employee ($millions) | 4.1150% | 3,734 |
| Cash dividends to net income (ytd only)* | 3.1933% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 4,732 |
| Loan loss allowance to noncurrent loans | 132.0793% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7881% | 1,375 |
| Noncurrent loans to loans | 0.7987% | 3,246 |
| Net loans and leases to total assets | 68.8606% | 2,310 |
| Net loans and leases to deposits | 82.3190% | 2,297 |
| Net loans and leases to core deposits | 87.2827% | 2,406 |
| Total domestic deposits to total assets | 83.6509% | 3,956 |
| Equity capital to assets | 8.5960% | 5,666 |
| Core capital (leverage) ratio | 8.2868% | 5,742 |
| Tier 1 risk-based capital ratio | 11.8699% | 5,325 |
| Total risk-based capital ratio | 12.8928% | 5,381 |
| Memoranda: | ||
| Average total assets | $358,615,000 | 1,849 |
| Average earning assets | $328,428,000 | 1,874 |
| Average equity | $30,015,000 | 2,353 |
| Average total loans | $242,816,000 | 1,789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,546 |
| Cost of funding earning assets | 0.3479% | 4,276 |
| Net interest margin | 3.9689% | 1,982 |
| Noninterest income to average assets | 0.8068% | 1,850 |
| Noninterest expense to average assets | 3.6987% | 1,153 |
| Loan and lease loss provision to assets | 0.0855% | 2,762 |
| Net operating income to assets | 0.4304% | 5,111 |
| Return on assets (ROA) | 0.5016% | 4,891 |
| Pretax return on assets | 0.7513% | 4,435 |
| Return on Equity (ROE) | 6.0584% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.9965% | 3,366 |
| Net charge-offs to loans | 0.1328% | 2,688 |
| Credit loss provision to net charge-offs | 96.4630% | 2,507 |
| Earnings coverage of net charge-offs (x) | 8.2412% | 2,909 |
| Efficiency ratio | 83.5081% | 1,470 |
| Assets per employee ($millions) | 4.2249% | 3,490 |
| Cash dividends to net income (ytd only)* | 34.0341% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 4,662 |
| Loan loss allowance to noncurrent loans | 148.2441% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 1,599 |
| Noncurrent loans to loans | 0.7257% | 3,510 |
| Net loans and leases to total assets | 65.1644% | 3,025 |
| Net loans and leases to deposits | 77.2895% | 3,049 |
| Net loans and leases to core deposits | 81.4393% | 3,156 |
| Total domestic deposits to total assets | 84.3121% | 3,584 |
| Equity capital to assets | 8.1493% | 5,987 |
| Core capital (leverage) ratio | 8.3564% | 5,719 |
| Tier 1 risk-based capital ratio | 11.9365% | 5,406 |
| Total risk-based capital ratio | 12.9829% | 5,435 |
| Memoranda: | ||
| Average total assets | $350,878,200 | 1,853 |
| Average earning assets | $320,239,000 | 1,870 |
| Average equity | $29,050,400 | 2,342 |
| Average total loans | $234,109,400 | 1,798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,561 |
| Cost of funding earning assets | 0.3395% | 4,469 |
| Net interest margin | 3.9760% | 1,945 |
| Noninterest income to average assets | 0.7959% | 1,910 |
| Noninterest expense to average assets | 3.6806% | 1,148 |
| Loan and lease loss provision to assets | 0.0863% | 2,626 |
| Net operating income to assets | 0.4368% | 5,120 |
| Return on assets (ROA) | 0.5164% | 4,879 |
| Pretax return on assets | 0.7760% | 4,448 |
| Return on Equity (ROE) | 6.2121% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.5157% | 2,733 |
| Net charge-offs to loans | 0.0212% | 4,098 |
| Credit loss provision to net charge-offs | 608.1081% | 489 |
| Earnings coverage of net charge-offs (x) | 52.4077% | 946 |
| Efficiency ratio | 83.1961% | 1,475 |
| Assets per employee ($millions) | 4.2370% | 3,408 |
| Cash dividends to net income (ytd only)* | 11.2102% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 4,485 |
| Loan loss allowance to noncurrent loans | 99.7482% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.0303% | 1,401 |
| Noncurrent loans to loans | 1.1555% | 2,747 |
| Net loans and leases to total assets | 67.6228% | 2,596 |
| Net loans and leases to deposits | 78.2391% | 2,924 |
| Net loans and leases to core deposits | 87.1581% | 2,524 |
| Total domestic deposits to total assets | 86.4309% | 2,624 |
| Equity capital to assets | 8.3967% | 5,876 |
| Core capital (leverage) ratio | 8.4674% | 5,686 |
| Tier 1 risk-based capital ratio | 11.8867% | 5,565 |
| Total risk-based capital ratio | 13.0081% | 5,560 |
| Memoranda: | ||
| Average total assets | $347,761,750 | 1,879 |
| Average earning assets | $317,328,250 | 1,896 |
| Average equity | $28,910,500 | 2,361 |
| Average total loans | $232,800,250 | 1,811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 2,727 |
| Cost of funding earning assets | 0.3309% | 4,633 |
| Net interest margin | 3.9308% | 2,037 |
| Noninterest income to average assets | 0.8191% | 1,766 |
| Noninterest expense to average assets | 3.5589% | 1,370 |
| Loan and lease loss provision to assets | 0.0866% | 2,582 |
| Net operating income to assets | 0.4948% | 4,833 |
| Return on assets (ROA) | 0.6125% | 4,390 |
| Pretax return on assets | 0.9311% | 3,754 |
| Return on Equity (ROE) | 7.3926% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.8352% | 1,849 |
| Net charge-offs to loans | 0.0434% | 3,360 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 29.0800% | 1,283 |
| Efficiency ratio | 80.9161% | 1,891 |
| Assets per employee ($millions) | 4.5288% | 2,879 |
| Cash dividends to net income (ytd only)* | 7.5401% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,689 |
| Loan loss allowance to noncurrent loans | 101.8975% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.0653% | 1,532 |
| Noncurrent loans to loans | 1.1227% | 2,975 |
| Net loans and leases to total assets | 66.5367% | 2,668 |
| Net loans and leases to deposits | 76.8012% | 2,952 |
| Net loans and leases to core deposits | 87.0840% | 2,414 |
| Total domestic deposits to total assets | 86.6350% | 2,675 |
| Equity capital to assets | 8.4240% | 5,865 |
| Core capital (leverage) ratio | 8.6466% | 5,471 |
| Tier 1 risk-based capital ratio | 12.1587% | 5,447 |
| Total risk-based capital ratio | 13.2782% | 5,462 |
| Memoranda: | ||
| Average total assets | $346,458,000 | 1,885 |
| Average earning assets | $315,457,670 | 1,902 |
| Average equity | $28,704,330 | 2,363 |
| Average total loans | $230,205,670 | 1,821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 2,812 |
| Cost of funding earning assets | 0.3266% | 4,774 |
| Net interest margin | 3.8902% | 2,119 |
| Noninterest income to average assets | 0.7853% | 1,820 |
| Noninterest expense to average assets | 3.6244% | 1,265 |
| Loan and lease loss provision to assets | 0.0869% | 2,469 |
| Net operating income to assets | 0.4225% | 5,035 |
| Return on assets (ROA) | 0.4193% | 5,114 |
| Pretax return on assets | 0.6151% | 4,781 |
| Return on Equity (ROE) | 5.1043% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.7094% | 3,288 |
| Net charge-offs to loans | 0.0491% | 2,697 |
| Credit loss provision to net charge-offs | 267.8571% | 856 |
| Earnings coverage of net charge-offs (x) | 21.7857% | 1,280 |
| Efficiency ratio | 83.6855% | 1,708 |
| Assets per employee ($millions) | 4.2471% | 3,448 |
| Cash dividends to net income (ytd only)* | 7.7348% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,964 |
| Loan loss allowance to noncurrent loans | 91.8033% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 1,566 |
| Noncurrent loans to loans | 1.2341% | 2,980 |
| Net loans and leases to total assets | 66.7637% | 2,440 |
| Net loans and leases to deposits | 76.9900% | 2,681 |
| Net loans and leases to core deposits | 86.5558% | 2,259 |
| Total domestic deposits to total assets | 86.7173% | 2,984 |
| Equity capital to assets | 8.3297% | 5,802 |
| Core capital (leverage) ratio | 8.1980% | 5,951 |
| Tier 1 risk-based capital ratio | 12.0721% | 5,597 |
| Total risk-based capital ratio | 13.1869% | 5,612 |
| Memoranda: | ||
| Average total assets | $345,329,000 | 1,902 |
| Average earning assets | $314,742,000 | 1,911 |
| Average equity | $28,368,500 | 2,378 |
| Average total loans | $227,954,000 | 1,839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 1,770 |
| Cost of funding earning assets | 0.3321% | 5,303 |
| Net interest margin | 4.2995% | 1,107 |
| Noninterest income to average assets | 1.1408% | 1,079 |
| Noninterest expense to average assets | 3.9402% | 935 |
| Loan and lease loss provision to assets | 0.1439% | 2,504 |
| Net operating income to assets | 0.6146% | 4,196 |
| Return on assets (ROA) | 0.6745% | 4,017 |
| Pretax return on assets | 1.0330% | 3,214 |
| Return on Equity (ROE) | 7.7200% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.8202% | 2,083 |
| Net charge-offs to loans | 0.3323% | 2,011 |
| Credit loss provision to net charge-offs | 62.3269% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.6981% | 3,483 |
| Efficiency ratio | 78.4114% | 2,397 |
| Assets per employee ($millions) | 4.4442% | 3,004 |
| Cash dividends to net income (ytd only)* | 24.6088% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 4,879 |
| Loan loss allowance to noncurrent loans | 103.5657% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 1,702 |
| Noncurrent loans to loans | 1.1163% | 3,307 |
| Net loans and leases to total assets | 63.7584% | 3,079 |
| Net loans and leases to deposits | 73.3021% | 3,357 |
| Net loans and leases to core deposits | 81.7890% | 2,920 |
| Total domestic deposits to total assets | 86.9804% | 2,736 |
| Equity capital to assets | 8.1011% | 5,935 |
| Core capital (leverage) ratio | 8.7985% | 5,280 |
| Tier 1 risk-based capital ratio | 12.3283% | 5,409 |
| Total risk-based capital ratio | 13.4604% | 5,416 |
| Memoranda: | ||
| Average total assets | $312,677,000 | 2,062 |
| Average earning assets | $282,472,200 | 2,095 |
| Average equity | $27,318,800 | 2,430 |
| Average total loans | $217,266,800 | 1,883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 1,491 |
| Cost of funding earning assets | 0.3393% | 5,387 |
| Net interest margin | 4.4026% | 888 |
| Noninterest income to average assets | 1.1532% | 1,104 |
| Noninterest expense to average assets | 3.7950% | 1,089 |
| Loan and lease loss provision to assets | 0.1972% | 1,848 |
| Net operating income to assets | 0.7263% | 3,722 |
| Return on assets (ROA) | 0.8034% | 3,463 |
| Pretax return on assets | 1.2461% | 2,522 |
| Return on Equity (ROE) | 9.0089% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.7484% | 1,141 |
| Net charge-offs to loans | 0.2813% | 2,136 |
| Credit loss provision to net charge-offs | 98.9011% | 2,411 |
| Earnings coverage of net charge-offs (x) | 6.6330% | 2,933 |
| Efficiency ratio | 74.1521% | 3,039 |
| Assets per employee ($millions) | 3.8522% | 4,124 |
| Cash dividends to net income (ytd only)* | 2.8912% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,536 |
| Loan loss allowance to noncurrent loans | 91.2348% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.9567% | 1,255 |
| Noncurrent loans to loans | 1.3932% | 3,083 |
| Net loans and leases to total assets | 74.6851% | 1,177 |
| Net loans and leases to deposits | 84.5394% | 1,808 |
| Net loans and leases to core deposits | 95.6499% | 1,427 |
| Total domestic deposits to total assets | 88.3435% | 1,919 |
| Equity capital to assets | 9.2712% | 4,835 |
| Core capital (leverage) ratio | 9.2608% | 4,734 |
| Tier 1 risk-based capital ratio | 12.2111% | 5,638 |
| Total risk-based capital ratio | 13.4610% | 5,570 |
| Memoranda: | ||
| Average total assets | $304,184,750 | 2,130 |
| Average earning assets | $273,924,750 | 2,157 |
| Average equity | $27,128,000 | 2,471 |
| Average total loans | $215,683,250 | 1,896 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 1,786 |
| Cost of funding earning assets | 0.3459% | 5,448 |
| Net interest margin | 4.2738% | 1,083 |
| Noninterest income to average assets | 1.1620% | 1,127 |
| Noninterest expense to average assets | 3.6752% | 1,292 |
| Loan and lease loss provision to assets | 0.1956% | 1,943 |
| Net operating income to assets | 0.7329% | 3,652 |
| Return on assets (ROA) | 0.8477% | 3,208 |
| Pretax return on assets | 1.3218% | 2,224 |
| Return on Equity (ROE) | 9.6282% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.3690% | 1,003 |
| Net charge-offs to loans | 0.3017% | 1,981 |
| Credit loss provision to net charge-offs | 93.4579% | 2,363 |
| Earnings coverage of net charge-offs (x) | 6.3925% | 2,724 |
| Efficiency ratio | 73.3091% | 3,260 |
| Assets per employee ($millions) | 3.9388% | 3,937 |
| Cash dividends to net income (ytd only)* | 2.6923% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,623 |
| Loan loss allowance to noncurrent loans | 70.0074% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.2136% | 1,231 |
| Noncurrent loans to loans | 1.8207% | 2,608 |
| Net loans and leases to total assets | 71.4986% | 1,650 |
| Net loans and leases to deposits | 78.9789% | 2,461 |
| Net loans and leases to core deposits | 88.5551% | 2,055 |
| Total domestic deposits to total assets | 90.5287% | 739 |
| Equity capital to assets | 8.7887% | 5,455 |
| Core capital (leverage) ratio | 9.1800% | 4,725 |
| Tier 1 risk-based capital ratio | 12.0351% | 5,778 |
| Total risk-based capital ratio | 13.2850% | 5,723 |
| Memoranda: | ||
| Average total assets | $306,707,670 | 2,112 |
| Average earning assets | $276,380,330 | 2,150 |
| Average equity | $27,004,000 | 2,489 |
| Average total loans | $212,784,330 | 1,914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,096 |
| Cost of funding earning assets | 0.3541% | 5,490 |
| Net interest margin | 4.1662% | 1,286 |
| Noninterest income to average assets | 1.2374% | 1,005 |
| Noninterest expense to average assets | 3.6952% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8045% | 3,136 |
| Return on assets (ROA) | 1.0142% | 2,285 |
| Pretax return on assets | 1.6016% | 1,304 |
| Return on Equity (ROE) | 11.5088% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.2422% | 824 |
| Net charge-offs to loans | 0.6291% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.9847% | 2,882 |
| Efficiency ratio | 74.3630% | 3,199 |
| Assets per employee ($millions) | 3.8491% | 4,257 |
| Cash dividends to net income (ytd only)* | 2.3166% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,215 |
| Loan loss allowance to noncurrent loans | 66.2477% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 1,342 |
| Noncurrent loans to loans | 1.7996% | 2,864 |
| Net loans and leases to total assets | 68.9559% | 1,849 |
| Net loans and leases to deposits | 76.3245% | 2,585 |
| Net loans and leases to core deposits | 86.7346% | 2,039 |
| Total domestic deposits to total assets | 90.3456% | 853 |
| Equity capital to assets | 8.9569% | 5,547 |
| Core capital (leverage) ratio | 8.8218% | 5,152 |
| Tier 1 risk-based capital ratio | 12.3997% | 5,642 |
| Total risk-based capital ratio | 13.5701% | 5,656 |
| Memoranda: | ||
| Average total assets | $306,450,000 | 2,143 |
| Average earning assets | $274,495,000 | 2,185 |
| Average equity | $27,005,500 | 2,522 |
| Average total loans | $207,928,500 | 1,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,782 |
| Cost of funding earning assets | 0.4865% | 5,310 |
| Net interest margin | 4.4301% | 1,090 |
| Noninterest income to average assets | 1.3072% | 898 |
| Noninterest expense to average assets | 3.8184% | 1,224 |
| Loan and lease loss provision to assets | 0.2626% | 2,544 |
| Net operating income to assets | 0.7555% | 3,488 |
| Return on assets (ROA) | 0.8105% | 3,485 |
| Pretax return on assets | 1.2652% | 2,541 |
| Return on Equity (ROE) | 8.8347% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.1937% | 3,277 |
| Net charge-offs to loans | 0.4198% | 2,562 |
| Credit loss provision to net charge-offs | 91.5152% | 3,410 |
| Earnings coverage of net charge-offs (x) | 5.0242% | 3,174 |
| Efficiency ratio | 72.5896% | 3,308 |
| Assets per employee ($millions) | 3.9091% | 4,133 |
| Cash dividends to net income (ytd only)* | 52.5322% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,164 |
| Loan loss allowance to noncurrent loans | 99.0638% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 3.0309% | 1,557 |
| Noncurrent loans to loans | 1.4162% | 3,474 |
| Net loans and leases to total assets | 65.0181% | 2,714 |
| Net loans and leases to deposits | 71.8219% | 3,439 |
| Net loans and leases to core deposits | 81.0466% | 2,875 |
| Total domestic deposits to total assets | 90.5268% | 694 |
| Equity capital to assets | 8.6701% | 5,881 |
| Core capital (leverage) ratio | 8.8558% | 5,088 |
| Tier 1 risk-based capital ratio | 12.3269% | 5,581 |
| Total risk-based capital ratio | 13.5784% | 5,534 |
| Memoranda: | ||
| Average total assets | $287,474,400 | 2,222 |
| Average earning assets | $256,517,200 | 2,266 |
| Average equity | $26,373,200 | 2,536 |
| Average total loans | $196,503,000 | 2,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 1,888 |
| Cost of funding earning assets | 0.5178% | 5,324 |
| Net interest margin | 4.4160% | 1,172 |
| Noninterest income to average assets | 1.2178% | 1,006 |
| Noninterest expense to average assets | 3.6468% | 1,463 |
| Loan and lease loss provision to assets | 0.3568% | 1,825 |
| Net operating income to assets | 0.7475% | 3,699 |
| Return on assets (ROA) | 0.8086% | 3,649 |
| Pretax return on assets | 1.2637% | 2,733 |
| Return on Equity (ROE) | 8.6831% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.8056% | 2,832 |
| Net charge-offs to loans | 0.3465% | 2,720 |
| Credit loss provision to net charge-offs | 149.2095% | 1,892 |
| Earnings coverage of net charge-offs (x) | 6.3775% | 2,803 |
| Efficiency ratio | 70.5135% | 3,590 |
| Assets per employee ($millions) | 3.7325% | 4,468 |
| Cash dividends to net income (ytd only)* | 33.1384% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 3,564 |
| Loan loss allowance to noncurrent loans | 75.4932% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 3.6872% | 1,342 |
| Noncurrent loans to loans | 2.1044% | 2,725 |
| Net loans and leases to total assets | 68.4535% | 2,224 |
| Net loans and leases to deposits | 77.1508% | 2,784 |
| Net loans and leases to core deposits | 82.0516% | 2,957 |
| Total domestic deposits to total assets | 88.7269% | 1,578 |
| Equity capital to assets | 9.3601% | 5,395 |
| Core capital (leverage) ratio | 9.0732% | 4,960 |
| Tier 1 risk-based capital ratio | 12.5919% | 5,573 |
| Total risk-based capital ratio | 13.8452% | 5,529 |
| Memoranda: | ||
| Average total assets | $282,138,000 | 2,278 |
| Average earning assets | $252,620,500 | 2,324 |
| Average equity | $26,272,750 | 2,559 |
| Average total loans | $194,717,250 | 2,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,976 |
| Cost of funding earning assets | 0.5598% | 5,233 |
| Net interest margin | 4.3758% | 1,266 |
| Noninterest income to average assets | 1.2112% | 974 |
| Noninterest expense to average assets | 3.5594% | 1,663 |
| Loan and lease loss provision to assets | 0.5385% | 1,147 |
| Net operating income to assets | 0.6621% | 4,050 |
| Return on assets (ROA) | 0.6990% | 4,140 |
| Pretax return on assets | 1.0849% | 3,360 |
| Return on Equity (ROE) | 7.5201% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.1902% | 2,001 |
| Net charge-offs to loans | 0.3876% | 2,470 |
| Credit loss provision to net charge-offs | 201.8717% | 1,413 |
| Earnings coverage of net charge-offs (x) | 5.8690% | 2,739 |
| Efficiency ratio | 69.4502% | 3,859 |
| Assets per employee ($millions) | 3.7651% | 4,396 |
| Cash dividends to net income (ytd only)* | 4.3878% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,272 |
| Loan loss allowance to noncurrent loans | 88.8769% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 3.6168% | 1,453 |
| Noncurrent loans to loans | 1.9006% | 3,077 |
| Net loans and leases to total assets | 68.1782% | 2,262 |
| Net loans and leases to deposits | 77.1541% | 2,811 |
| Net loans and leases to core deposits | 82.5240% | 2,896 |
| Total domestic deposits to total assets | 88.3663% | 1,918 |
| Equity capital to assets | 9.4334% | 5,152 |
| Core capital (leverage) ratio | 9.0334% | 4,864 |
| Tier 1 risk-based capital ratio | 12.3193% | 5,710 |
| Total risk-based capital ratio | 13.5734% | 5,677 |
| Memoranda: | ||
| Average total assets | $280,383,670 | 2,300 |
| Average earning assets | $250,787,330 | 2,349 |
| Average equity | $26,063,330 | 2,563 |
| Average total loans | $192,985,670 | 2,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 2,412 |
| Cost of funding earning assets | 0.6153% | 5,007 |
| Net interest margin | 4.2417% | 1,631 |
| Noninterest income to average assets | 1.1239% | 1,120 |
| Noninterest expense to average assets | 3.5134% | 1,734 |
| Loan and lease loss provision to assets | 0.6156% | 919 |
| Net operating income to assets | 0.5102% | 4,785 |
| Return on assets (ROA) | 0.5856% | 4,633 |
| Pretax return on assets | 0.9005% | 4,029 |
| Return on Equity (ROE) | 6.3470% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.0366% | 2,936 |
| Net charge-offs to loans | 0.2610% | 2,627 |
| Credit loss provision to net charge-offs | 344.0000% | 885 |
| Earnings coverage of net charge-offs (x) | 7.8240% | 2,034 |
| Efficiency ratio | 71.5035% | 3,533 |
| Assets per employee ($millions) | 3.5783% | 4,941 |
| Cash dividends to net income (ytd only)* | 4.8900% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 3,474 |
| Loan loss allowance to noncurrent loans | 89.1095% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 3.7296% | 1,505 |
| Noncurrent loans to loans | 1.8716% | 3,312 |
| Net loans and leases to total assets | 69.1616% | 1,919 |
| Net loans and leases to deposits | 78.3790% | 2,436 |
| Net loans and leases to core deposits | 84.9224% | 2,419 |
| Total domestic deposits to total assets | 88.2400% | 2,165 |
| Equity capital to assets | 9.4339% | 4,895 |
| Core capital (leverage) ratio | 8.6697% | 5,352 |
| Tier 1 risk-based capital ratio | 12.2238% | 5,808 |
| Total risk-based capital ratio | 13.4776% | 5,779 |
| Memoranda: | ||
| Average total assets | $279,386,000 | 2,317 |
| Average earning assets | $249,619,000 | 2,368 |
| Average equity | $25,776,000 | 2,593 |
| Average total loans | $191,564,000 | 2,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9932% | 2,910 |
| Cost of funding earning assets | 0.6099% | 6,049 |
| Net interest margin | 4.3834% | 1,437 |
| Noninterest income to average assets | 0.9579% | 1,479 |
| Noninterest expense to average assets | 3.7752% | 1,394 |
| Loan and lease loss provision to assets | 0.4530% | 2,335 |
| Net operating income to assets | 0.4495% | 4,645 |
| Return on assets (ROA) | 0.5015% | 4,628 |
| Pretax return on assets | 0.7401% | 4,191 |
| Return on Equity (ROE) | 5.4081% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.0812% | 3,285 |
| Net charge-offs to loans | 0.6758% | 2,465 |
| Credit loss provision to net charge-offs | 99.0220% | 3,619 |
| Earnings coverage of net charge-offs (x) | 2.4409% | 3,995 |
| Efficiency ratio | 77.1723% | 2,716 |
| Assets per employee ($millions) | 3.5406% | 4,913 |
| Cash dividends to net income (ytd only)* | 24.5353% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,809 |
| Loan loss allowance to noncurrent loans | 103.5740% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 3.4567% | 1,717 |
| Noncurrent loans to loans | 1.4926% | 3,911 |
| Net loans and leases to total assets | 65.8123% | 2,823 |
| Net loans and leases to deposits | 74.6025% | 3,400 |
| Net loans and leases to core deposits | 80.3682% | 3,409 |
| Total domestic deposits to total assets | 88.2173% | 2,017 |
| Equity capital to assets | 9.0236% | 5,520 |
| Core capital (leverage) ratio | 9.0183% | 4,748 |
| Tier 1 risk-based capital ratio | 12.4636% | 5,482 |
| Total risk-based capital ratio | 13.7161% | 5,459 |
| Memoranda: | ||
| Average total assets | $268,200,200 | 2,352 |
| Average earning assets | $240,705,600 | 2,397 |
| Average equity | $24,870,200 | 2,597 |
| Average total loans | $181,551,200 | 2,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 2,854 |
| Cost of funding earning assets | 0.6194% | 6,189 |
| Net interest margin | 4.4274% | 1,323 |
| Noninterest income to average assets | 0.9635% | 1,440 |
| Noninterest expense to average assets | 3.7109% | 1,476 |
| Loan and lease loss provision to assets | 0.4613% | 2,149 |
| Net operating income to assets | 0.5081% | 4,516 |
| Return on assets (ROA) | 0.5763% | 4,376 |
| Pretax return on assets | 0.8733% | 3,868 |
| Return on Equity (ROE) | 6.1704% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.6575% | 2,768 |
| Net charge-offs to loans | 0.6651% | 2,253 |
| Credit loss provision to net charge-offs | 102.1205% | 3,272 |
| Earnings coverage of net charge-offs (x) | 2.7254% | 3,764 |
| Efficiency ratio | 75.0867% | 2,987 |
| Assets per employee ($millions) | 3.2593% | 5,554 |
| Cash dividends to net income (ytd only)* | 8.3112% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,958 |
| Loan loss allowance to noncurrent loans | 101.8595% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8745% | 2,252 |
| Noncurrent loans to loans | 1.5029% | 4,035 |
| Net loans and leases to total assets | 72.0712% | 1,687 |
| Net loans and leases to deposits | 82.5676% | 2,245 |
| Net loans and leases to core deposits | 88.9284% | 2,373 |
| Total domestic deposits to total assets | 87.2875% | 2,471 |
| Equity capital to assets | 9.6812% | 4,803 |
| Core capital (leverage) ratio | 9.2782% | 4,487 |
| Tier 1 risk-based capital ratio | 12.3589% | 5,615 |
| Total risk-based capital ratio | 13.6116% | 5,596 |
| Memoranda: | ||
| Average total assets | $264,439,000 | 2,397 |
| Average earning assets | $237,635,750 | 2,430 |
| Average equity | $24,698,000 | 2,614 |
| Average total loans | $179,604,750 | 2,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 3,328 |
| Cost of funding earning assets | 0.6281% | 6,324 |
| Net interest margin | 4.3379% | 1,543 |
| Noninterest income to average assets | 0.9419% | 1,490 |
| Noninterest expense to average assets | 3.6798% | 1,567 |
| Loan and lease loss provision to assets | 0.4082% | 2,392 |
| Net operating income to assets | 0.4967% | 4,514 |
| Return on assets (ROA) | 0.5541% | 4,420 |
| Pretax return on assets | 0.8353% | 3,887 |
| Return on Equity (ROE) | 6.0055% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.2272% | 2,859 |
| Net charge-offs to loans | 0.6798% | 2,137 |
| Credit loss provision to net charge-offs | 90.7563% | 3,437 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,542 |
| Efficiency ratio | 76.0863% | 2,996 |
| Assets per employee ($millions) | 3.3874% | 5,234 |
| Cash dividends to net income (ytd only)* | 12.9604% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,877 |
| Loan loss allowance to noncurrent loans | 92.6438% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.7695% | 2,419 |
| Noncurrent loans to loans | 1.6794% | 3,907 |
| Net loans and leases to total assets | 66.5061% | 2,929 |
| Net loans and leases to deposits | 75.4983% | 3,560 |
| Net loans and leases to core deposits | 81.3454% | 3,602 |
| Total domestic deposits to total assets | 88.0894% | 2,088 |
| Equity capital to assets | 9.0926% | 5,452 |
| Core capital (leverage) ratio | 8.6507% | 5,306 |
| Tier 1 risk-based capital ratio | 12.4835% | 5,362 |
| Total risk-based capital ratio | 13.7360% | 5,337 |
| Memoranda: | ||
| Average total assets | $264,583,000 | 2,407 |
| Average earning assets | $237,535,330 | 2,450 |
| Average equity | $24,411,000 | 2,620 |
| Average total loans | $175,062,670 | 2,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 3,671 |
| Cost of funding earning assets | 0.6814% | 6,242 |
| Net interest margin | 4.2021% | 1,884 |
| Noninterest income to average assets | 0.9519% | 1,461 |
| Noninterest expense to average assets | 3.7445% | 1,449 |
| Loan and lease loss provision to assets | 0.4621% | 1,907 |
| Net operating income to assets | 0.3543% | 5,157 |
| Return on assets (ROA) | 0.3543% | 5,231 |
| Pretax return on assets | 0.5068% | 5,004 |
| Return on Equity (ROE) | 3.8107% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,885 |
| Net charge-offs to loans | 0.6333% | 1,936 |
| Credit loss provision to net charge-offs | 111.5242% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.3383% | 3,143 |
| Efficiency ratio | 79.4444% | 2,628 |
| Assets per employee ($millions) | 3.4050% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 3,353 |
| Loan loss allowance to noncurrent loans | 78.1168% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 3.1290% | 2,206 |
| Noncurrent loans to loans | 2.1695% | 3,360 |
| Net loans and leases to total assets | 64.0447% | 3,433 |
| Net loans and leases to deposits | 73.2090% | 3,890 |
| Net loans and leases to core deposits | 74.5451% | 4,479 |
| Total domestic deposits to total assets | 87.4821% | 2,671 |
| Equity capital to assets | 9.0320% | 5,152 |
| Core capital (leverage) ratio | 9.0052% | 4,605 |
| Tier 1 risk-based capital ratio | 12.8381% | 4,954 |
| Total risk-based capital ratio | 14.0919% | 4,922 |
| Memoranda: | ||
| Average total assets | $259,685,500 | 2,477 |
| Average earning assets | $232,457,500 | 2,519 |
| Average equity | $24,142,500 | 2,631 |
| Average total loans | $169,913,000 | 2,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 4,678 |
| Cost of funding earning assets | 0.9996% | 5,696 |
| Net interest margin | 3.9742% | 3,127 |
| Noninterest income to average assets | 1.3203% | 848 |
| Noninterest expense to average assets | 3.4991% | 2,180 |
| Loan and lease loss provision to assets | 0.6752% | 2,440 |
| Net operating income to assets | 0.5087% | 4,054 |
| Return on assets (ROA) | 0.6255% | 3,722 |
| Pretax return on assets | 0.9175% | 3,211 |
| Return on Equity (ROE) | 7.0254% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.0254% | 1,307 |
| Net charge-offs to loans | 0.8122% | 2,606 |
| Credit loss provision to net charge-offs | 134.5554% | 2,898 |
| Earnings coverage of net charge-offs (x) | 2.8315% | 3,661 |
| Efficiency ratio | 71.1194% | 3,969 |
| Assets per employee ($millions) | 3.2099% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 2,913 |
| Loan loss allowance to noncurrent loans | 66.3581% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 3.6250% | 1,898 |
| Noncurrent loans to loans | 2.6911% | 2,830 |
| Net loans and leases to total assets | 64.5589% | 3,750 |
| Net loans and leases to deposits | 74.7566% | 4,071 |
| Net loans and leases to core deposits | 76.5756% | 4,632 |
| Total domestic deposits to total assets | 86.3588% | 3,160 |
| Equity capital to assets | 9.5813% | 4,296 |
| Core capital (leverage) ratio | 9.6540% | 3,476 |
| Tier 1 risk-based capital ratio | 13.4536% | 4,247 |
| Total risk-based capital ratio | 14.7007% | 4,219 |
| Memoranda: | ||
| Average total assets | $255,465,400 | 2,495 |
| Average earning assets | $231,392,000 | 2,513 |
| Average equity | $22,746,000 | 2,797 |
| Average total loans | $157,852,400 | 2,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 5,500 |
| Cost of funding earning assets | 1.0655% | 5,616 |
| Net interest margin | 3.7779% | 4,065 |
| Noninterest income to average assets | 0.9509% | 1,618 |
| Noninterest expense to average assets | 3.4016% | 2,287 |
| Loan and lease loss provision to assets | 0.6621% | 2,313 |
| Net operating income to assets | 0.2500% | 5,351 |
| Return on assets (ROA) | 0.4232% | 4,828 |
| Pretax return on assets | 0.5546% | 4,746 |
| Return on Equity (ROE) | 4.8434% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.8434% | 3,086 |
| Net charge-offs to loans | 0.8486% | 2,328 |
| Credit loss provision to net charge-offs | 128.2696% | 3,168 |
| Earnings coverage of net charge-offs (x) | 1.9155% | 4,274 |
| Efficiency ratio | 77.4781% | 2,697 |
| Assets per employee ($millions) | 3.3161% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 3,130 |
| Loan loss allowance to noncurrent loans | 30.7871% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 4.0847% | 1,699 |
| Noncurrent loans to loans | 5.5445% | 1,192 |
| Net loans and leases to total assets | 64.2948% | 4,064 |
| Net loans and leases to deposits | 74.3926% | 4,443 |
| Net loans and leases to core deposits | 76.1292% | 5,039 |
| Total domestic deposits to total assets | 86.4263% | 2,836 |
| Equity capital to assets | 9.2839% | 5,170 |
| Core capital (leverage) ratio | 8.9123% | 4,830 |
| Tier 1 risk-based capital ratio | 13.0935% | 4,504 |
| Total risk-based capital ratio | 14.3479% | 4,474 |
| Memoranda: | ||
| Average total assets | $256,738,500 | 2,520 |
| Average earning assets | $233,740,250 | 2,528 |
| Average equity | $22,435,250 | 2,870 |
| Average total loans | $156,171,250 | 2,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 5,940 |
| Cost of funding earning assets | 1.1244% | 5,556 |
| Net interest margin | 3.6333% | 4,671 |
| Noninterest income to average assets | 0.7841% | 2,213 |
| Noninterest expense to average assets | 3.4069% | 2,247 |
| Loan and lease loss provision to assets | 0.5975% | 2,394 |
| Net operating income to assets | 0.0857% | 5,905 |
| Return on assets (ROA) | 0.2544% | 5,498 |
| Pretax return on assets | 0.2583% | 5,633 |
| Return on Equity (ROE) | 2.9707% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.9707% | 4,232 |
| Net charge-offs to loans | 0.9831% | 1,881 |
| Credit loss provision to net charge-offs | 102.3778% | 3,985 |
| Earnings coverage of net charge-offs (x) | 1.1744% | 4,621 |
| Efficiency ratio | 83.2517% | 2,005 |
| Assets per employee ($millions) | 3.4113% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,524 |
| Loan loss allowance to noncurrent loans | 27.3112% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 3.8965% | 1,777 |
| Noncurrent loans to loans | 5.7948% | 1,120 |
| Net loans and leases to total assets | 60.3010% | 5,000 |
| Net loans and leases to deposits | 69.4198% | 5,362 |
| Net loans and leases to core deposits | 71.2406% | 5,749 |
| Total domestic deposits to total assets | 86.8643% | 2,613 |
| Equity capital to assets | 8.7223% | 5,854 |
| Core capital (leverage) ratio | 8.5719% | 5,291 |
| Tier 1 risk-based capital ratio | 13.0092% | 4,433 |
| Total risk-based capital ratio | 14.2622% | 4,385 |
| Memoranda: | ||
| Average total assets | $259,415,000 | 2,509 |
| Average earning assets | $236,207,000 | 2,532 |
| Average equity | $22,217,000 | 2,895 |
| Average total loans | $154,000,330 | 2,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 6,342 |
| Cost of funding earning assets | 1.1926% | 5,445 |
| Net interest margin | 3.4777% | 5,257 |
| Noninterest income to average assets | 0.8740% | 1,726 |
| Noninterest expense to average assets | 3.5515% | 1,842 |
| Loan and lease loss provision to assets | 0.6166% | 2,064 |
| Net operating income to assets | 0.0157% | 6,246 |
| Return on assets (ROA) | 0.0601% | 6,240 |
| Pretax return on assets | -0.0694% | 6,426 |
| Return on Equity (ROE) | 0.7085% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.7085% | 5,539 |
| Net charge-offs to loans | 1.6916% | 1,022 |
| Credit loss provision to net charge-offs | 62.4025% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.4836% | 4,593 |
| Efficiency ratio | 88.1408% | 1,573 |
| Assets per employee ($millions) | 3.3085% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,885 |
| Loan loss allowance to noncurrent loans | 20.5748% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 4.8858% | 1,333 |
| Noncurrent loans to loans | 7.3145% | 796 |
| Net loans and leases to total assets | 57.9313% | 5,450 |
| Net loans and leases to deposits | 66.8830% | 5,725 |
| Net loans and leases to core deposits | 68.6377% | 6,037 |
| Total domestic deposits to total assets | 86.6159% | 2,834 |
| Equity capital to assets | 8.6463% | 5,805 |
| Core capital (leverage) ratio | 8.2694% | 5,801 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,124 |
| Total risk-based capital ratio | 14.5535% | 4,071 |
| Memoranda: | ||
| Average total assets | $259,494,500 | 2,565 |
| Average earning assets | $235,442,500 | 2,584 |
| Average equity | $22,019,000 | 2,943 |
| Average total loans | $151,576,500 | 2,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 5,815 |
| Cost of funding earning assets | 1.6963% | 4,531 |
| Net interest margin | 3.4675% | 5,092 |
| Noninterest income to average assets | 1.1174% | 1,227 |
| Noninterest expense to average assets | 3.7046% | 1,907 |
| Loan and lease loss provision to assets | 0.7243% | 2,945 |
| Net operating income to assets | 0.0263% | 5,409 |
| Return on assets (ROA) | 0.0634% | 5,357 |
| Pretax return on assets | -0.0955% | 5,595 |
| Return on Equity (ROE) | 0.7311% | 5,319 |
| Retained earnings to average equity (ytd only) | 0.7311% | 4,496 |
| Net charge-offs to loans | 1.4743% | 1,699 |
| Credit loss provision to net charge-offs | 79.5357% | 6,290 |
| Earnings coverage of net charge-offs (x) | 0.6268% | 5,468 |
| Efficiency ratio | 86.6484% | 2,039 |
| Assets per employee ($millions) | 3.3447% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,172 |
| Loan loss allowance to noncurrent loans | 19.3249% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 5.2571% | 1,129 |
| Noncurrent loans to loans | 8.4245% | 573 |
| Net loans and leases to total assets | 57.0779% | 5,806 |
| Net loans and leases to deposits | 65.8246% | 6,070 |
| Net loans and leases to core deposits | 73.1718% | 6,582 |
| Total domestic deposits to total assets | 86.7121% | 2,647 |
| Equity capital to assets | 8.3302% | 6,153 |
| Core capital (leverage) ratio | 8.7722% | 4,804 |
| Tier 1 risk-based capital ratio | 12.2993% | 4,685 |
| Total risk-based capital ratio | 13.5509% | 4,644 |
| Memoranda: | ||
| Average total assets | $255,413,600 | 2,563 |
| Average earning assets | $232,620,400 | 2,573 |
| Average equity | $22,157,800 | 2,933 |
| Average total loans | $157,768,800 | 2,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 5,489 |
| Cost of funding earning assets | 1.8245% | 4,256 |
| Net interest margin | 3.4649% | 5,010 |
| Noninterest income to average assets | 1.1611% | 1,171 |
| Noninterest expense to average assets | 3.6907% | 1,842 |
| Loan and lease loss provision to assets | 0.3159% | 4,452 |
| Net operating income to assets | 0.3100% | 4,759 |
| Return on assets (ROA) | 0.3280% | 4,788 |
| Pretax return on assets | 0.3349% | 4,967 |
| Return on Equity (ROE) | 3.7426% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.7426% | 3,196 |
| Net charge-offs to loans | 0.8274% | 2,312 |
| Credit loss provision to net charge-offs | 60.8519% | 6,157 |
| Earnings coverage of net charge-offs (x) | 1.2181% | 4,856 |
| Efficiency ratio | 85.3715% | 2,145 |
| Assets per employee ($millions) | 3.0545% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 2,893 |
| Loan loss allowance to noncurrent loans | 22.1803% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 4.9790% | 1,179 |
| Noncurrent loans to loans | 7.3268% | 715 |
| Net loans and leases to total assets | 62.4988% | 5,162 |
| Net loans and leases to deposits | 74.0908% | 5,352 |
| Net loans and leases to core deposits | 82.6991% | 6,137 |
| Total domestic deposits to total assets | 84.3543% | 3,549 |
| Equity capital to assets | 9.2082% | 5,152 |
| Core capital (leverage) ratio | 8.8749% | 4,853 |
| Tier 1 risk-based capital ratio | 12.4990% | 4,539 |
| Total risk-based capital ratio | 13.7513% | 4,492 |
| Memoranda: | ||
| Average total assets | $253,209,000 | 2,591 |
| Average earning assets | $231,073,250 | 2,605 |
| Average equity | $22,194,500 | 2,949 |
| Average total loans | $158,882,500 | 2,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 5,321 |
| Cost of funding earning assets | 1.8678% | 4,432 |
| Net interest margin | 3.4984% | 4,806 |
| Noninterest income to average assets | 1.2537% | 975 |
| Noninterest expense to average assets | 3.6809% | 1,874 |
| Loan and lease loss provision to assets | 0.2755% | 4,378 |
| Net operating income to assets | 0.4179% | 4,434 |
| Return on assets (ROA) | 0.4423% | 4,432 |
| Pretax return on assets | 0.5171% | 4,561 |
| Return on Equity (ROE) | 5.1313% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.1313% | 2,437 |
| Net charge-offs to loans | 1.0138% | 1,750 |
| Credit loss provision to net charge-offs | 43.4783% | 5,853 |
| Earnings coverage of net charge-offs (x) | 1.2062% | 4,627 |
| Efficiency ratio | 82.8081% | 2,626 |
| Assets per employee ($millions) | 3.0861% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,837 |
| Loan loss allowance to noncurrent loans | 27.1053% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 4.0070% | 1,482 |
| Noncurrent loans to loans | 5.8180% | 962 |
| Net loans and leases to total assets | 62.0773% | 5,350 |
| Net loans and leases to deposits | 73.6562% | 5,509 |
| Net loans and leases to core deposits | 82.0126% | 6,241 |
| Total domestic deposits to total assets | 84.2798% | 3,610 |
| Equity capital to assets | 8.7992% | 5,600 |
| Core capital (leverage) ratio | 8.4798% | 5,484 |
| Tier 1 risk-based capital ratio | 12.3029% | 4,673 |
| Total risk-based capital ratio | 13.5545% | 4,593 |
| Memoranda: | ||
| Average total assets | $254,121,330 | 2,588 |
| Average earning assets | $231,821,000 | 2,612 |
| Average equity | $21,904,670 | 2,981 |
| Average total loans | $158,800,670 | 2,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 5,646 |
| Cost of funding earning assets | 1.8381% | 4,927 |
| Net interest margin | 3.5141% | 4,672 |
| Noninterest income to average assets | 1.1561% | 1,099 |
| Noninterest expense to average assets | 3.5703% | 1,929 |
| Loan and lease loss provision to assets | 0.2356% | 4,095 |
| Net operating income to assets | 0.4529% | 4,642 |
| Return on assets (ROA) | 0.4979% | 4,618 |
| Pretax return on assets | 0.6063% | 4,737 |
| Return on Equity (ROE) | 5.8370% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8370% | 2,697 |
| Net charge-offs to loans | 1.1490% | 1,197 |
| Credit loss provision to net charge-offs | 32.9670% | 4,916 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 4,201 |
| Efficiency ratio | 81.9394% | 2,542 |
| Assets per employee ($millions) | 3.1695% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 2,195 |
| Loan loss allowance to noncurrent loans | 23.2520% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 4.6048% | 1,028 |
| Noncurrent loans to loans | 7.2431% | 534 |
| Net loans and leases to total assets | 60.6430% | 5,555 |
| Net loans and leases to deposits | 74.2481% | 5,449 |
| Net loans and leases to core deposits | 82.0086% | 6,235 |
| Total domestic deposits to total assets | 81.6762% | 4,688 |
| Equity capital to assets | 8.5887% | 5,934 |
| Core capital (leverage) ratio | 8.4777% | 5,582 |
| Tier 1 risk-based capital ratio | 12.0918% | 4,882 |
| Total risk-based capital ratio | 13.3443% | 4,778 |
| Memoranda: | ||
| Average total assets | $254,653,500 | 2,595 |
| Average earning assets | $231,983,000 | 2,619 |
| Average equity | $21,723,500 | 3,011 |
| Average total loans | $158,397,000 | 2,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2696% | 4,130 |
| Cost of funding earning assets | 2.3899% | 4,764 |
| Net interest margin | 3.8797% | 3,661 |
| Noninterest income to average assets | 1.0015% | 1,574 |
| Noninterest expense to average assets | 3.5514% | 2,262 |
| Loan and lease loss provision to assets | 1.1761% | 1,230 |
| Net operating income to assets | 0.0570% | 6,215 |
| Return on assets (ROA) | 0.1350% | 5,851 |
| Pretax return on assets | -0.0863% | 6,255 |
| Return on Equity (ROE) | 1.5366% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.5366% | 4,302 |
| Net charge-offs to loans | 1.0554% | 1,165 |
| Credit loss provision to net charge-offs | 176.8143% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.4551% | 5,384 |
| Efficiency ratio | 78.5824% | 2,828 |
| Assets per employee ($millions) | 3.0802% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 1,473 |
| Loan loss allowance to noncurrent loans | 26.0725% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 4.6204% | 802 |
| Noncurrent loans to loans | 7.1947% | 408 |
| Net loans and leases to total assets | 61.5520% | 5,688 |
| Net loans and leases to deposits | 73.9078% | 5,853 |
| Net loans and leases to core deposits | 80.0438% | 6,615 |
| Total domestic deposits to total assets | 83.2822% | 3,659 |
| Equity capital to assets | 8.4715% | 6,135 |
| Core capital (leverage) ratio | 8.9660% | 4,791 |
| Tier 1 risk-based capital ratio | 12.0182% | 4,809 |
| Total risk-based capital ratio | 13.2732% | 4,686 |
| Memoranda: | ||
| Average total assets | $244,442,200 | 2,604 |
| Average earning assets | $221,640,200 | 2,639 |
| Average equity | $21,476,600 | 3,044 |
| Average total loans | $154,071,600 | 2,856 |