Home > Franklin Bank & Trust Company > Performance and Condition Ratios
Franklin Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1265% | 1,027 |
| Cost of funding earning assets | 2.4008% | 1,032 |
| Net interest margin | 3.7258% | 1,831 |
| Noninterest income to average assets | 0.5600% | 1,482 |
| Noninterest expense to average assets | 2.2596% | 2,951 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.2293% | 1,665 |
| Return on assets (ROA) | 1.2293% | 1,659 |
| Pretax return on assets | 1.6124% | 1,282 |
| Return on Equity (ROE) | 9.8300% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.9913% | 1,990 |
| Net charge-offs to loans | 0.1850% | 564 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 11.2475% | 1,674 |
| Efficiency ratio | 56.0794% | 3,401 |
| Assets per employee ($millions) | 9.6991% | 875 |
| Cash dividends to net income (ytd only)* | 28.8527% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,240 |
| Loan loss allowance to noncurrent loans | 307.6960% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 2,195 |
| Noncurrent loans to loans | 0.3247% | 2,341 |
| Net loans and leases to total assets | 82.7200% | 339 |
| Net loans and leases to deposits | 97.6795% | 518 |
| Net loans and leases to core deposits | 105.0813% | 1,072 |
| Total domestic deposits to total assets | 84.6900% | 2,708 |
| Equity capital to assets | 12.5214% | 1,050 |
| Core capital (leverage) ratio | 12.7691% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $760,125,500 | 1,297 |
| Average earning assets | $707,611,000 | 1,284 |
| Average equity | $95,090,000 | 1,082 |
| Average total loans | $646,438,000 | 1,098 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1117% | 1,148 |
| Cost of funding earning assets | 2.5105% | 1,130 |
| Net interest margin | 3.6013% | 1,869 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.1841% | 3,185 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.3249% | 1,228 |
| Return on assets (ROA) | 1.3249% | 1,226 |
| Pretax return on assets | 1.7331% | 921 |
| Return on Equity (ROE) | 11.1400% | 1,844 |
| Retained earnings to average equity (ytd only) | 8.1171% | 1,080 |
| Net charge-offs to loans | 0.0797% | 1,347 |
| Credit loss provision to net charge-offs | 95.9381% | 1,963 |
| Earnings coverage of net charge-offs (x) | 26.4468% | 1,620 |
| Efficiency ratio | 54.8328% | 3,660 |
| Assets per employee ($millions) | 9.4253% | 918 |
| Cash dividends to net income (ytd only)* | 27.1526% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,329 |
| Loan loss allowance to noncurrent loans | 292.9029% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 2,076 |
| Noncurrent loans to loans | 0.3346% | 2,257 |
| Net loans and leases to total assets | 85.7000% | 169 |
| Net loans and leases to deposits | 106.5835% | 242 |
| Net loans and leases to core deposits | 115.6155% | 741 |
| Total domestic deposits to total assets | 80.4100% | 3,504 |
| Equity capital to assets | 12.4980% | 1,027 |
| Core capital (leverage) ratio | 12.9430% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $759,986,600 | 1,271 |
| Average earning assets | $704,891,800 | 1,270 |
| Average equity | $90,364,400 | 1,100 |
| Average total loans | $648,509,200 | 1,069 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0583% | 1,181 |
| Cost of funding earning assets | 2.5321% | 1,107 |
| Net interest margin | 3.5262% | 1,965 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 2.1881% | 3,103 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.2008% | 1,518 |
| Return on assets (ROA) | 1.2008% | 1,525 |
| Pretax return on assets | 1.5688% | 1,208 |
| Return on Equity (ROE) | 10.2300% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,571 |
| Net charge-offs to loans | 0.0729% | 1,176 |
| Credit loss provision to net charge-offs | 93.2203% | 1,749 |
| Earnings coverage of net charge-offs (x) | 26.2599% | 1,606 |
| Efficiency ratio | 57.3441% | 3,426 |
| Assets per employee ($millions) | 9.1856% | 1,013 |
| Cash dividends to net income (ytd only)* | 26.9466% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,199 |
| Loan loss allowance to noncurrent loans | 74.1935% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 484 |
| Noncurrent loans to loans | 1.3586% | 730 |
| Net loans and leases to total assets | 85.4500% | 177 |
| Net loans and leases to deposits | 103.0267% | 356 |
| Net loans and leases to core deposits | 111.9203% | 868 |
| Total domestic deposits to total assets | 82.9400% | 2,866 |
| Equity capital to assets | 12.5299% | 1,099 |
| Core capital (leverage) ratio | 12.5746% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $761,476,750 | 1,257 |
| Average earning assets | $706,321,750 | 1,260 |
| Average equity | $89,396,000 | 1,105 |
| Average total loans | $647,478,750 | 1,068 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9725% | 1,211 |
| Cost of funding earning assets | 2.4869% | 1,107 |
| Net interest margin | 3.4856% | 1,994 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.1743% | 3,147 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.1571% | 1,583 |
| Return on assets (ROA) | 1.1571% | 1,583 |
| Pretax return on assets | 1.5144% | 1,254 |
| Return on Equity (ROE) | 10.0700% | 2,163 |
| Retained earnings to average equity (ytd only) | 7.2879% | 1,572 |
| Net charge-offs to loans | 0.1062% | 840 |
| Credit loss provision to net charge-offs | 85.8382% | 1,608 |
| Earnings coverage of net charge-offs (x) | 17.7283% | 1,695 |
| Efficiency ratio | 57.7228% | 3,416 |
| Assets per employee ($millions) | 9.1999% | 937 |
| Cash dividends to net income (ytd only)* | 27.6419% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,308 |
| Loan loss allowance to noncurrent loans | 73.1312% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 446 |
| Noncurrent loans to loans | 1.3614% | 661 |
| Net loans and leases to total assets | 84.9900% | 221 |
| Net loans and leases to deposits | 102.2875% | 438 |
| Net loans and leases to core deposits | 111.3260% | 922 |
| Total domestic deposits to total assets | 83.0900% | 2,852 |
| Equity capital to assets | 12.0873% | 1,144 |
| Core capital (leverage) ratio | 11.9222% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $770,354,000 | 1,247 |
| Average earning assets | $714,140,667 | 1,244 |
| Average equity | $88,503,000 | 1,110 |
| Average total loans | $651,858,000 | 1,069 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8812% | 1,222 |
| Cost of funding earning assets | 2.4903% | 1,009 |
| Net interest margin | 3.3908% | 2,126 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.1131% | 3,276 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.1740% | 1,499 |
| Return on assets (ROA) | 1.1740% | 1,510 |
| Pretax return on assets | 1.5414% | 1,190 |
| Return on Equity (ROE) | 10.4800% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.6700% | 1,644 |
| Net charge-offs to loans | 0.0492% | 1,038 |
| Credit loss provision to net charge-offs | 53.0864% | 1,384 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 1,085 |
| Efficiency ratio | 57.4764% | 3,477 |
| Assets per employee ($millions) | 10.1177% | 711 |
| Cash dividends to net income (ytd only)* | 26.8059% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,399 |
| Loan loss allowance to noncurrent loans | 73.8682% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 482 |
| Noncurrent loans to loans | 1.3251% | 613 |
| Net loans and leases to total assets | 80.7500% | 534 |
| Net loans and leases to deposits | 95.6533% | 746 |
| Net loans and leases to core deposits | 103.7265% | 1,217 |
| Total domestic deposits to total assets | 84.4200% | 2,598 |
| Equity capital to assets | 11.0786% | 1,472 |
| Core capital (leverage) ratio | 11.4758% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $782,936,500 | 1,234 |
| Average earning assets | $725,842,000 | 1,239 |
| Average equity | $87,718,000 | 1,113 |
| Average total loans | $657,929,500 | 1,061 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 1,502 |
| Cost of funding earning assets | 1.6764% | 1,504 |
| Net interest margin | 3.6166% | 1,942 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1294% | 3,324 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.0145% | 2,168 |
| Return on assets (ROA) | 1.0145% | 2,153 |
| Pretax return on assets | 1.3150% | 1,830 |
| Return on Equity (ROE) | 8.8300% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.1698% | 2,898 |
| Net charge-offs to loans | 0.5261% | 191 |
| Credit loss provision to net charge-offs | 79.4726% | 2,028 |
| Earnings coverage of net charge-offs (x) | 3.7231% | 2,629 |
| Efficiency ratio | 56.0181% | 3,497 |
| Assets per employee ($millions) | 9.8279% | 746 |
| Cash dividends to net income (ytd only)* | 52.7656% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,469 |
| Loan loss allowance to noncurrent loans | 82.6104% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 439 |
| Noncurrent loans to loans | 1.1699% | 617 |
| Net loans and leases to total assets | 85.7900% | 170 |
| Net loans and leases to deposits | 104.1109% | 353 |
| Net loans and leases to core deposits | 112.8518% | 852 |
| Total domestic deposits to total assets | 82.4000% | 3,051 |
| Equity capital to assets | 11.3342% | 1,359 |
| Core capital (leverage) ratio | 11.8198% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $743,120,000 | 1,254 |
| Average earning assets | $691,060,200 | 1,250 |
| Average equity | $85,400,400 | 1,078 |
| Average total loans | $634,241,000 | 1,051 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 1,519 |
| Cost of funding earning assets | 1.5360% | 1,518 |
| Net interest margin | 3.6284% | 1,928 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.1132% | 3,318 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 0.9411% | 2,544 |
| Return on assets (ROA) | 0.9411% | 2,531 |
| Pretax return on assets | 1.2104% | 2,275 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 2.8852% | 3,539 |
| Net charge-offs to loans | 0.7094% | 130 |
| Credit loss provision to net charge-offs | 78.5007% | 1,761 |
| Earnings coverage of net charge-offs (x) | 2.7919% | 2,462 |
| Efficiency ratio | 55.6535% | 3,426 |
| Assets per employee ($millions) | 10.1776% | 625 |
| Cash dividends to net income (ytd only)* | 64.6426% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 3,704 |
| Loan loss allowance to noncurrent loans | 75.7219% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 525 |
| Noncurrent loans to loans | 1.1982% | 653 |
| Net loans and leases to total assets | 82.5700% | 391 |
| Net loans and leases to deposits | 98.7674% | 568 |
| Net loans and leases to core deposits | 107.9923% | 940 |
| Total domestic deposits to total assets | 83.6000% | 2,877 |
| Equity capital to assets | 11.0087% | 1,339 |
| Core capital (leverage) ratio | 11.6745% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $737,256,500 | 1,259 |
| Average earning assets | $685,822,750 | 1,254 |
| Average equity | $85,029,250 | 1,073 |
| Average total loans | $626,785,000 | 1,054 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 1,364 |
| Cost of funding earning assets | 1.3422% | 1,605 |
| Net interest margin | 3.7633% | 1,693 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.0704% | 3,427 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4184% | 1,285 |
| Return on assets (ROA) | 1.4184% | 1,268 |
| Pretax return on assets | 1.8365% | 952 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | 7.5846% | 2,099 |
| Net charge-offs to loans | 0.0899% | 727 |
| Credit loss provision to net charge-offs | 153.0466% | 1,187 |
| Earnings coverage of net charge-offs (x) | 25.3978% | 1,627 |
| Efficiency ratio | 51.4425% | 3,816 |
| Assets per employee ($millions) | 9.7932% | 708 |
| Cash dividends to net income (ytd only)* | 37.3323% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,368 |
| Loan loss allowance to noncurrent loans | 117.2426% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 687 |
| Noncurrent loans to loans | 0.8651% | 877 |
| Net loans and leases to total assets | 85.2000% | 192 |
| Net loans and leases to deposits | 104.4285% | 356 |
| Net loans and leases to core deposits | 114.1936% | 680 |
| Total domestic deposits to total assets | 81.5900% | 3,314 |
| Equity capital to assets | 11.7792% | 1,112 |
| Core capital (leverage) ratio | 12.3457% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $725,176,000 | 1,263 |
| Average earning assets | $675,896,333 | 1,259 |
| Average equity | $84,988,333 | 1,067 |
| Average total loans | $620,863,333 | 1,050 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 1,150 |
| Cost of funding earning assets | 1.1209% | 1,693 |
| Net interest margin | 3.9195% | 1,438 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.0680% | 3,453 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6144% | 953 |
| Return on assets (ROA) | 1.6144% | 956 |
| Pretax return on assets | 2.1074% | 647 |
| Return on Equity (ROE) | 13.8100% | 1,814 |
| Retained earnings to average equity (ytd only) | 9.2705% | 1,870 |
| Net charge-offs to loans | 0.1580% | 439 |
| Credit loss provision to net charge-offs | 37.0370% | 1,325 |
| Earnings coverage of net charge-offs (x) | 15.9918% | 1,529 |
| Efficiency ratio | 48.9423% | 4,033 |
| Assets per employee ($millions) | 8.8306% | 1,002 |
| Cash dividends to net income (ytd only)* | 32.8748% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,550 |
| Loan loss allowance to noncurrent loans | 110.6464% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 624 |
| Noncurrent loans to loans | 0.8957% | 844 |
| Net loans and leases to total assets | 85.3500% | 164 |
| Net loans and leases to deposits | 104.4923% | 294 |
| Net loans and leases to core deposits | 114.3477% | 575 |
| Total domestic deposits to total assets | 81.6800% | 3,537 |
| Equity capital to assets | 11.9178% | 1,020 |
| Core capital (leverage) ratio | 12.1799% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $720,520,000 | 1,284 |
| Average earning assets | $673,767,000 | 1,278 |
| Average equity | $84,224,000 | 1,090 |
| Average total loans | $615,190,500 | 1,070 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 1,298 |
| Cost of funding earning assets | 0.5719% | 1,007 |
| Net interest margin | 3.6027% | 1,635 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.9508% | 3,712 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.3097% | 1,394 |
| Return on assets (ROA) | 1.3142% | 1,343 |
| Pretax return on assets | 1.7149% | 888 |
| Return on Equity (ROE) | 11.5400% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.9508% | 3,076 |
| Net charge-offs to loans | 0.1905% | 429 |
| Credit loss provision to net charge-offs | 156.6606% | 1,273 |
| Earnings coverage of net charge-offs (x) | 12.6104% | 2,104 |
| Efficiency ratio | 49.9873% | 4,128 |
| Assets per employee ($millions) | 9.3047% | 827 |
| Cash dividends to net income (ytd only)* | 57.0922% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,320 |
| Loan loss allowance to noncurrent loans | 137.5323% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 631 |
| Noncurrent loans to loans | 0.8834% | 837 |
| Net loans and leases to total assets | 83.5400% | 293 |
| Net loans and leases to deposits | 103.3823% | 323 |
| Net loans and leases to core deposits | 113.1027% | 509 |
| Total domestic deposits to total assets | 80.8100% | 3,778 |
| Equity capital to assets | 11.4642% | 1,098 |
| Core capital (leverage) ratio | 11.8334% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $708,137,400 | 1,298 |
| Average earning assets | $662,648,800 | 1,290 |
| Average equity | $80,653,600 | 1,123 |
| Average total loans | $575,229,200 | 1,065 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 1,356 |
| Cost of funding earning assets | 0.4761% | 854 |
| Net interest margin | 3.4775% | 1,730 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.9537% | 3,618 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.1511% | 1,889 |
| Return on assets (ROA) | 1.1570% | 1,844 |
| Pretax return on assets | 1.5074% | 1,389 |
| Return on Equity (ROE) | 10.1800% | 2,671 |
| Retained earnings to average equity (ytd only) | 3.0226% | 3,768 |
| Net charge-offs to loans | 0.2445% | 275 |
| Credit loss provision to net charge-offs | 160.7522% | 1,095 |
| Earnings coverage of net charge-offs (x) | 9.2411% | 2,027 |
| Efficiency ratio | 51.8321% | 4,026 |
| Assets per employee ($millions) | 9.0215% | 886 |
| Cash dividends to net income (ytd only)* | 70.2964% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,244 |
| Loan loss allowance to noncurrent loans | 249.1491% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 1,294 |
| Noncurrent loans to loans | 0.5033% | 1,540 |
| Net loans and leases to total assets | 82.5100% | 351 |
| Net loans and leases to deposits | 97.0395% | 495 |
| Net loans and leases to core deposits | 101.5756% | 758 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 11.3696% | 1,050 |
| Core capital (leverage) ratio | 11.5191% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $703,731,000 | 1,312 |
| Average earning assets | $658,355,250 | 1,301 |
| Average equity | $80,016,250 | 1,142 |
| Average total loans | $565,598,250 | 1,075 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 1,543 |
| Cost of funding earning assets | 0.4359% | 739 |
| Net interest margin | 3.2631% | 2,020 |
| Noninterest income to average assets | 0.5506% | 1,946 |
| Noninterest expense to average assets | 1.9511% | 3,570 |
| Loan and lease loss provision to assets | 0.2806% | 240 |
| Net operating income to assets | 1.0591% | 1,941 |
| Return on assets (ROA) | 1.0683% | 1,883 |
| Pretax return on assets | 1.3900% | 1,466 |
| Return on Equity (ROE) | 9.3953% | 2,566 |
| Retained earnings to average equity (ytd only) | 0.9513% | 4,007 |
| Net charge-offs to loans | 0.2030% | 322 |
| Credit loss provision to net charge-offs | 174.2908% | 1,034 |
| Earnings coverage of net charge-offs (x) | 10.3050% | 1,757 |
| Efficiency ratio | 54.0481% | 3,961 |
| Assets per employee ($millions) | 8.9678% | 898 |
| Cash dividends to net income (ytd only)* | 89.8744% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,500 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 82.8105% | 250 |
| Net loans and leases to deposits | 100.1217% | 265 |
| Net loans and leases to core deposits | 102.8964% | 553 |
| Total domestic deposits to total assets | 82.7099% | 3,915 |
| Equity capital to assets | 11.3858% | 1,068 |
| Core capital (leverage) ratio | 11.6735% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $700,742,667 | 1,320 |
| Average earning assets | $656,977,000 | 1,317 |
| Average equity | $79,678,000 | 1,166 |
| Average total loans | $555,638,333 | 1,081 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 1,771 |
| Cost of funding earning assets | 0.4351% | 704 |
| Net interest margin | 3.0776% | 2,244 |
| Noninterest income to average assets | 0.5994% | 1,699 |
| Noninterest expense to average assets | 1.9972% | 3,431 |
| Loan and lease loss provision to assets | 0.1677% | 468 |
| Net operating income to assets | 1.0186% | 1,798 |
| Return on assets (ROA) | 1.0186% | 1,789 |
| Pretax return on assets | 1.3271% | 1,438 |
| Return on Equity (ROE) | 8.9641% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.2712% | 2,845 |
| Net charge-offs to loans | -0.0148% | 3,760 |
| Credit loss provision to net charge-offs | -1,470.0000% | 3,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1942% | 3,762 |
| Assets per employee ($millions) | 8.6874% | 1,028 |
| Cash dividends to net income (ytd only)* | 52.3516% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,295 |
| Loan loss allowance to noncurrent loans | 18,335.8974% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,476 |
| Noncurrent loans to loans | 0.0072% | 3,974 |
| Net loans and leases to total assets | 77.3730% | 426 |
| Net loans and leases to deposits | 93.5055% | 382 |
| Net loans and leases to core deposits | 95.2812% | 683 |
| Total domestic deposits to total assets | 82.7471% | 3,971 |
| Equity capital to assets | 11.5275% | 1,115 |
| Core capital (leverage) ratio | 11.3990% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $701,371,500 | 1,321 |
| Average earning assets | $659,225,500 | 1,316 |
| Average equity | $79,696,000 | 1,203 |
| Average total loans | $540,206,500 | 1,097 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 1,589 |
| Cost of funding earning assets | 0.5215% | 837 |
| Net interest margin | 3.3861% | 2,075 |
| Noninterest income to average assets | 0.5536% | 2,346 |
| Noninterest expense to average assets | 1.9395% | 3,839 |
| Loan and lease loss provision to assets | 0.0427% | 2,197 |
| Net operating income to assets | 1.3439% | 1,465 |
| Return on assets (ROA) | 1.3439% | 1,498 |
| Pretax return on assets | 1.7357% | 1,057 |
| Return on Equity (ROE) | 11.9453% | 1,836 |
| Retained earnings to average equity (ytd only) | 7.3003% | 1,810 |
| Net charge-offs to loans | 0.0868% | 939 |
| Credit loss provision to net charge-offs | 62.4464% | 2,055 |
| Earnings coverage of net charge-offs (x) | 25.9979% | 1,712 |
| Efficiency ratio | 52.1657% | 4,102 |
| Assets per employee ($millions) | 8.9589% | 929 |
| Cash dividends to net income (ytd only)* | 38.8859% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,471 |
| Loan loss allowance to noncurrent loans | 17,530.7692% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,577 |
| Noncurrent loans to loans | 0.0073% | 4,052 |
| Net loans and leases to total assets | 74.6998% | 610 |
| Net loans and leases to deposits | 90.4062% | 551 |
| Net loans and leases to core deposits | 92.0433% | 875 |
| Total domestic deposits to total assets | 82.6269% | 3,877 |
| Equity capital to assets | 11.2012% | 1,662 |
| Core capital (leverage) ratio | 11.3386% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $681,223,600 | 1,307 |
| Average earning assets | $636,603,400 | 1,314 |
| Average equity | $76,640,800 | 1,251 |
| Average total loans | $536,736,000 | 1,106 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 1,770 |
| Cost of funding earning assets | 0.5414% | 868 |
| Net interest margin | 3.3573% | 2,275 |
| Noninterest income to average assets | 0.5506% | 2,406 |
| Noninterest expense to average assets | 1.9326% | 3,860 |
| Loan and lease loss provision to assets | 0.0079% | 2,823 |
| Net operating income to assets | 1.3537% | 1,678 |
| Return on assets (ROA) | 1.3537% | 1,734 |
| Pretax return on assets | 1.7442% | 1,293 |
| Return on Equity (ROE) | 12.0184% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.8245% | 2,110 |
| Net charge-offs to loans | 0.1281% | 622 |
| Credit loss provision to net charge-offs | 7.7519% | 2,028 |
| Earnings coverage of net charge-offs (x) | 17.1802% | 1,821 |
| Efficiency ratio | 52.4486% | 3,989 |
| Assets per employee ($millions) | 8.8483% | 942 |
| Cash dividends to net income (ytd only)* | 34.8956% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,889 |
| Loan loss allowance to noncurrent loans | 1,945.2381% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,425 |
| Noncurrent loans to loans | 0.0628% | 3,782 |
| Net loans and leases to total assets | 74.6895% | 636 |
| Net loans and leases to deposits | 90.5296% | 579 |
| Net loans and leases to core deposits | 92.3795% | 907 |
| Total domestic deposits to total assets | 82.5028% | 3,824 |
| Equity capital to assets | 11.0408% | 1,985 |
| Core capital (leverage) ratio | 11.2965% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $674,591,000 | 1,332 |
| Average earning assets | $629,742,500 | 1,334 |
| Average equity | $75,981,750 | 1,280 |
| Average total loans | $537,038,000 | 1,126 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 1,742 |
| Cost of funding earning assets | 0.5652% | 887 |
| Net interest margin | 3.3654% | 2,255 |
| Noninterest income to average assets | 0.4723% | 2,743 |
| Noninterest expense to average assets | 1.9750% | 3,777 |
| Loan and lease loss provision to assets | 0.0130% | 2,691 |
| Net operating income to assets | 1.2413% | 2,051 |
| Return on assets (ROA) | 1.2413% | 2,115 |
| Pretax return on assets | 1.6181% | 1,688 |
| Return on Equity (ROE) | 10.9437% | 2,442 |
| Retained earnings to average equity (ytd only) | 8.7327% | 1,808 |
| Net charge-offs to loans | 0.1931% | 447 |
| Credit loss provision to net charge-offs | 8.2852% | 1,777 |
| Earnings coverage of net charge-offs (x) | 10.4258% | 1,798 |
| Efficiency ratio | 54.7689% | 3,704 |
| Assets per employee ($millions) | 8.2834% | 1,086 |
| Cash dividends to net income (ytd only)* | 20.2040% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,929 |
| Loan loss allowance to noncurrent loans | 1,411.6631% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 3,402 |
| Noncurrent loans to loans | 0.0851% | 3,762 |
| Net loans and leases to total assets | 78.2116% | 431 |
| Net loans and leases to deposits | 95.0676% | 418 |
| Net loans and leases to core deposits | 97.2378% | 752 |
| Total domestic deposits to total assets | 82.2694% | 3,869 |
| Equity capital to assets | 11.1977% | 1,833 |
| Core capital (leverage) ratio | 11.5723% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $663,500,333 | 1,346 |
| Average earning assets | $617,809,667 | 1,349 |
| Average equity | $75,257,667 | 1,282 |
| Average total loans | $537,639,000 | 1,130 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 1,801 |
| Cost of funding earning assets | 0.5708% | 1,004 |
| Net interest margin | 3.3416% | 2,272 |
| Noninterest income to average assets | 0.4322% | 2,915 |
| Noninterest expense to average assets | 2.0396% | 3,589 |
| Loan and lease loss provision to assets | 0.0166% | 2,558 |
| Net operating income to assets | 1.1346% | 2,373 |
| Return on assets (ROA) | 1.1346% | 2,449 |
| Pretax return on assets | 1.4815% | 2,045 |
| Return on Equity (ROE) | 9.9364% | 2,707 |
| Retained earnings to average equity (ytd only) | 7.6996% | 2,349 |
| Net charge-offs to loans | 0.3773% | 222 |
| Credit loss provision to net charge-offs | 5.3571% | 1,462 |
| Earnings coverage of net charge-offs (x) | 4.8413% | 1,705 |
| Efficiency ratio | 57.6536% | 3,352 |
| Assets per employee ($millions) | 7.9927% | 1,204 |
| Cash dividends to net income (ytd only)* | 22.5108% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,925 |
| Loan loss allowance to noncurrent loans | 1,776.0870% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 3,584 |
| Noncurrent loans to loans | 0.0676% | 3,951 |
| Net loans and leases to total assets | 81.0478% | 280 |
| Net loans and leases to deposits | 99.1808% | 313 |
| Net loans and leases to core deposits | 101.3174% | 656 |
| Total domestic deposits to total assets | 81.7172% | 3,953 |
| Equity capital to assets | 11.3257% | 1,642 |
| Core capital (leverage) ratio | 11.7214% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,488,000 | 1,351 |
| Average earning assets | $605,463,500 | 1,358 |
| Average equity | $74,393,000 | 1,286 |
| Average total loans | $534,328,500 | 1,137 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 839 |
| Cost of funding earning assets | 0.9212% | 799 |
| Net interest margin | 3.8098% | 1,474 |
| Noninterest income to average assets | 0.4596% | 2,822 |
| Noninterest expense to average assets | 2.2241% | 3,612 |
| Loan and lease loss provision to assets | 0.3784% | 858 |
| Net operating income to assets | 1.1529% | 1,707 |
| Return on assets (ROA) | 1.1570% | 1,820 |
| Pretax return on assets | 1.3824% | 1,714 |
| Return on Equity (ROE) | 9.8962% | 2,043 |
| Retained earnings to average equity (ytd only) | 8.0343% | 1,041 |
| Net charge-offs to loans | 0.0297% | 2,434 |
| Credit loss provision to net charge-offs | 1,519.3333% | 545 |
| Earnings coverage of net charge-offs (x) | 70.5067% | 968 |
| Efficiency ratio | 55.8800% | 3,995 |
| Assets per employee ($millions) | 7.7058% | 1,165 |
| Cash dividends to net income (ytd only)* | 18.8146% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,246 |
| Loan loss allowance to noncurrent loans | 1,770.7071% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,650 |
| Noncurrent loans to loans | 0.0755% | 3,990 |
| Net loans and leases to total assets | 80.9033% | 373 |
| Net loans and leases to deposits | 99.7365% | 383 |
| Net loans and leases to core deposits | 102.2077% | 802 |
| Total domestic deposits to total assets | 81.1170% | 3,852 |
| Equity capital to assets | 11.5157% | 1,872 |
| Core capital (leverage) ratio | 12.0583% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,267,600 | 1,327 |
| Average earning assets | $556,539,800 | 1,332 |
| Average equity | $70,410,600 | 1,291 |
| Average total loans | $504,857,600 | 1,129 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,068 |
| Cost of funding earning assets | 0.9909% | 785 |
| Net interest margin | 3.7083% | 1,916 |
| Noninterest income to average assets | 0.4500% | 2,848 |
| Noninterest expense to average assets | 2.2855% | 3,457 |
| Loan and lease loss provision to assets | 0.4457% | 733 |
| Net operating income to assets | 0.9380% | 2,573 |
| Return on assets (ROA) | 0.9433% | 2,677 |
| Pretax return on assets | 1.1502% | 2,568 |
| Return on Equity (ROE) | 8.0362% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.1512% | 2,042 |
| Net charge-offs to loans | 0.0485% | 1,918 |
| Credit loss provision to net charge-offs | 1,089.0110% | 789 |
| Earnings coverage of net charge-offs (x) | 38.8352% | 1,384 |
| Efficiency ratio | 58.9833% | 3,523 |
| Assets per employee ($millions) | 7.4790% | 1,229 |
| Cash dividends to net income (ytd only)* | 23.4565% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,536 |
| Loan loss allowance to noncurrent loans | 683.9304% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,327 |
| Noncurrent loans to loans | 0.1790% | 3,666 |
| Net loans and leases to total assets | 85.8008% | 162 |
| Net loans and leases to deposits | 112.8910% | 184 |
| Net loans and leases to core deposits | 116.3416% | 491 |
| Total domestic deposits to total assets | 76.0032% | 4,423 |
| Equity capital to assets | 11.3355% | 2,124 |
| Core capital (leverage) ratio | 11.7392% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,939,250 | 1,325 |
| Average earning assets | $547,630,000 | 1,330 |
| Average equity | $69,600,250 | 1,293 |
| Average total loans | $499,958,500 | 1,125 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 869 |
| Cost of funding earning assets | 1.0690% | 796 |
| Net interest margin | 3.9058% | 1,552 |
| Noninterest income to average assets | 0.4770% | 2,672 |
| Noninterest expense to average assets | 2.3480% | 3,406 |
| Loan and lease loss provision to assets | 0.5300% | 648 |
| Net operating income to assets | 0.9921% | 2,353 |
| Return on assets (ROA) | 1.0004% | 2,447 |
| Pretax return on assets | 1.2089% | 2,336 |
| Return on Equity (ROE) | 8.4185% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.5187% | 1,852 |
| Net charge-offs to loans | -0.0243% | 4,470 |
| Credit loss provision to net charge-offs | -2,610.1695% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5926% | 3,743 |
| Assets per employee ($millions) | 7.3951% | 1,225 |
| Cash dividends to net income (ytd only)* | 22.5662% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,284 |
| Loan loss allowance to noncurrent loans | 509.1909% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,568 |
| Noncurrent loans to loans | 0.2444% | 3,505 |
| Net loans and leases to total assets | 83.7912% | 270 |
| Net loans and leases to deposits | 104.1752% | 368 |
| Net loans and leases to core deposits | 107.3047% | 842 |
| Total domestic deposits to total assets | 80.4329% | 3,744 |
| Equity capital to assets | 11.4456% | 2,007 |
| Core capital (leverage) ratio | 11.3170% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $581,172,667 | 1,327 |
| Average earning assets | $535,659,000 | 1,336 |
| Average equity | $69,062,333 | 1,285 |
| Average total loans | $484,706,000 | 1,140 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 1,252 |
| Cost of funding earning assets | 1.1891% | 800 |
| Net interest margin | 3.6885% | 2,363 |
| Noninterest income to average assets | 0.5637% | 2,212 |
| Noninterest expense to average assets | 2.4934% | 3,287 |
| Loan and lease loss provision to assets | 0.4780% | 621 |
| Net operating income to assets | 0.8351% | 2,771 |
| Return on assets (ROA) | 0.8526% | 2,799 |
| Pretax return on assets | 0.9978% | 2,846 |
| Return on Equity (ROE) | 7.0340% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.1178% | 2,221 |
| Net charge-offs to loans | -0.1071% | 4,833 |
| Credit loss provision to net charge-offs | -540.0000% | 3,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1456% | 3,353 |
| Assets per employee ($millions) | 7.0510% | 1,073 |
| Cash dividends to net income (ytd only)* | 27.2425% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,626 |
| Loan loss allowance to noncurrent loans | 859.6067% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 2,932 |
| Noncurrent loans to loans | 0.1405% | 3,963 |
| Net loans and leases to total assets | 80.3914% | 654 |
| Net loans and leases to deposits | 102.3892% | 437 |
| Net loans and leases to core deposits | 106.4854% | 1,026 |
| Total domestic deposits to total assets | 78.5156% | 4,132 |
| Equity capital to assets | 11.9154% | 2,132 |
| Core capital (leverage) ratio | 12.2938% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,860,500 | 1,324 |
| Average earning assets | $518,374,500 | 1,334 |
| Average equity | $68,467,000 | 1,284 |
| Average total loans | $466,664,000 | 1,156 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 847 |
| Cost of funding earning assets | 1.3586% | 639 |
| Net interest margin | 3.9238% | 2,097 |
| Noninterest income to average assets | 0.7932% | 1,472 |
| Noninterest expense to average assets | 2.3749% | 3,750 |
| Loan and lease loss provision to assets | 0.3131% | 520 |
| Net operating income to assets | 1.3617% | 1,469 |
| Return on assets (ROA) | 1.3617% | 1,550 |
| Pretax return on assets | 1.7031% | 1,178 |
| Return on Equity (ROE) | 11.2477% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.8247% | 528 |
| Net charge-offs to loans | 0.5575% | 330 |
| Credit loss provision to net charge-offs | 66.8265% | 2,951 |
| Earnings coverage of net charge-offs (x) | 4.3034% | 3,231 |
| Efficiency ratio | 54.0853% | 4,414 |
| Assets per employee ($millions) | 6.6450% | 1,214 |
| Cash dividends to net income (ytd only)* | 12.6513% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,192 |
| Loan loss allowance to noncurrent loans | 444.2220% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,639 |
| Noncurrent loans to loans | 0.2375% | 3,595 |
| Net loans and leases to total assets | 83.0323% | 426 |
| Net loans and leases to deposits | 103.6843% | 390 |
| Net loans and leases to core deposits | 108.5053% | 940 |
| Total domestic deposits to total assets | 80.0818% | 3,963 |
| Equity capital to assets | 12.3367% | 1,931 |
| Core capital (leverage) ratio | 12.3568% | 1,563 |
| Tier 1 risk-based capital ratio | 14.6452% | 2,932 |
| Total risk-based capital ratio | 15.6966% | 2,941 |
| Memoranda: | ||
| Average total assets | $534,040,200 | 1,345 |
| Average earning assets | $489,683,000 | 1,356 |
| Average equity | $64,653,200 | 1,301 |
| Average total loans | $448,751,400 | 1,162 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 1,308 |
| Cost of funding earning assets | 1.3770% | 619 |
| Net interest margin | 3.7127% | 2,874 |
| Noninterest income to average assets | 0.7811% | 1,481 |
| Noninterest expense to average assets | 2.3896% | 3,718 |
| Loan and lease loss provision to assets | 0.2180% | 790 |
| Net operating income to assets | 1.2682% | 1,959 |
| Return on assets (ROA) | 1.2682% | 2,034 |
| Pretax return on assets | 1.5846% | 1,687 |
| Return on Equity (ROE) | 10.5274% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.2528% | 973 |
| Net charge-offs to loans | 0.5076% | 333 |
| Credit loss provision to net charge-offs | 51.0914% | 2,783 |
| Earnings coverage of net charge-offs (x) | 4.2248% | 3,031 |
| Efficiency ratio | 57.0013% | 4,064 |
| Assets per employee ($millions) | 6.5370% | 1,254 |
| Cash dividends to net income (ytd only)* | 12.1079% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,358 |
| Loan loss allowance to noncurrent loans | 130.3176% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 1,970 |
| Noncurrent loans to loans | 0.7959% | 1,986 |
| Net loans and leases to total assets | 85.8753% | 202 |
| Net loans and leases to deposits | 112.5350% | 166 |
| Net loans and leases to core deposits | 117.3623% | 615 |
| Total domestic deposits to total assets | 76.3099% | 4,609 |
| Equity capital to assets | 12.1826% | 2,128 |
| Core capital (leverage) ratio | 12.4454% | 1,604 |
| Tier 1 risk-based capital ratio | 14.4289% | 3,117 |
| Total risk-based capital ratio | 15.4951% | 3,105 |
| Memoranda: | ||
| Average total assets | $529,666,500 | 1,357 |
| Average earning assets | $486,640,250 | 1,369 |
| Average equity | $63,806,250 | 1,316 |
| Average total loans | $445,230,750 | 1,175 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 1,589 |
| Cost of funding earning assets | 1.3694% | 598 |
| Net interest margin | 3.5893% | 3,292 |
| Noninterest income to average assets | 0.7652% | 1,460 |
| Noninterest expense to average assets | 2.4143% | 3,705 |
| Loan and lease loss provision to assets | 0.1085% | 1,729 |
| Net operating income to assets | 1.2403% | 2,008 |
| Return on assets (ROA) | 1.2403% | 2,056 |
| Pretax return on assets | 1.5490% | 1,704 |
| Return on Equity (ROE) | 10.3360% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.0511% | 1,021 |
| Net charge-offs to loans | 0.6242% | 243 |
| Credit loss provision to net charge-offs | 20.9098% | 2,649 |
| Earnings coverage of net charge-offs (x) | 3.1944% | 2,869 |
| Efficiency ratio | 59.2932% | 3,829 |
| Assets per employee ($millions) | 6.1769% | 1,417 |
| Cash dividends to net income (ytd only)* | 12.4309% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,359 |
| Loan loss allowance to noncurrent loans | 142.0601% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,164 |
| Noncurrent loans to loans | 0.7364% | 2,147 |
| Net loans and leases to total assets | 83.4855% | 415 |
| Net loans and leases to deposits | 106.1062% | 335 |
| Net loans and leases to core deposits | 111.2293% | 902 |
| Total domestic deposits to total assets | 78.6810% | 4,280 |
| Equity capital to assets | 12.2876% | 1,997 |
| Core capital (leverage) ratio | 12.0186% | 1,814 |
| Tier 1 risk-based capital ratio | 14.5225% | 3,059 |
| Total risk-based capital ratio | 15.5657% | 3,080 |
| Memoranda: | ||
| Average total assets | $525,365,670 | 1,364 |
| Average earning assets | $483,992,330 | 1,375 |
| Average equity | $63,042,000 | 1,323 |
| Average total loans | $436,702,330 | 1,190 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,742 |
| Cost of funding earning assets | 1.3244% | 607 |
| Net interest margin | 3.5318% | 3,492 |
| Noninterest income to average assets | 0.7543% | 1,417 |
| Noninterest expense to average assets | 2.4158% | 3,730 |
| Loan and lease loss provision to assets | 0.0974% | 1,800 |
| Net operating income to assets | 1.2049% | 2,037 |
| Return on assets (ROA) | 1.2049% | 2,088 |
| Pretax return on assets | 1.5048% | 1,750 |
| Return on Equity (ROE) | 10.1627% | 2,293 |
| Retained earnings to average equity (ytd only) | 8.8788% | 1,361 |
| Net charge-offs to loans | 1.1421% | 111 |
| Credit loss provision to net charge-offs | 10.3393% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.7003% | 2,570 |
| Efficiency ratio | 60.1250% | 3,791 |
| Assets per employee ($millions) | 6.4594% | 1,258 |
| Cash dividends to net income (ytd only)* | 12.6342% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,340 |
| Loan loss allowance to noncurrent loans | 161.8713% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 2,513 |
| Noncurrent loans to loans | 0.6567% | 2,375 |
| Net loans and leases to total assets | 79.8898% | 849 |
| Net loans and leases to deposits | 102.1946% | 486 |
| Net loans and leases to core deposits | 106.5848% | 1,131 |
| Total domestic deposits to total assets | 78.1742% | 4,490 |
| Equity capital to assets | 11.7541% | 2,185 |
| Core capital (leverage) ratio | 12.2220% | 1,645 |
| Tier 1 risk-based capital ratio | 14.5626% | 3,080 |
| Total risk-based capital ratio | 15.6258% | 3,085 |
| Memoranda: | ||
| Average total assets | $525,531,500 | 1,373 |
| Average earning assets | $485,638,500 | 1,379 |
| Average equity | $62,306,000 | 1,330 |
| Average total loans | $433,573,000 | 1,202 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,770 |
| Cost of funding earning assets | 0.9452% | 943 |
| Net interest margin | 3.7705% | 2,780 |
| Noninterest income to average assets | 0.7691% | 1,573 |
| Noninterest expense to average assets | 2.4425% | 3,764 |
| Loan and lease loss provision to assets | 0.2794% | 597 |
| Net operating income to assets | 1.2313% | 2,040 |
| Return on assets (ROA) | 1.2313% | 2,033 |
| Pretax return on assets | 1.5384% | 1,658 |
| Return on Equity (ROE) | 10.7516% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.1075% | 825 |
| Net charge-offs to loans | 0.0425% | 2,563 |
| Credit loss provision to net charge-offs | 776.9663% | 460 |
| Earnings coverage of net charge-offs (x) | 50.5506% | 1,131 |
| Efficiency ratio | 57.3312% | 4,239 |
| Assets per employee ($millions) | 6.2797% | 1,336 |
| Cash dividends to net income (ytd only)* | 15.2912% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 1,970 |
| Loan loss allowance to noncurrent loans | 594.3809% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,877 |
| Noncurrent loans to loans | 0.2213% | 3,783 |
| Net loans and leases to total assets | 83.2183% | 493 |
| Net loans and leases to deposits | 110.3528% | 244 |
| Net loans and leases to core deposits | 114.2640% | 774 |
| Total domestic deposits to total assets | 75.4111% | 4,827 |
| Equity capital to assets | 11.9617% | 1,925 |
| Core capital (leverage) ratio | 12.0584% | 1,694 |
| Tier 1 risk-based capital ratio | 14.1267% | 3,231 |
| Total risk-based capital ratio | 15.3775% | 3,165 |
| Memoranda: | ||
| Average total assets | $494,990,800 | 1,421 |
| Average earning assets | $458,315,600 | 1,420 |
| Average equity | $56,689,400 | 1,391 |
| Average total loans | $418,427,000 | 1,212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,918 |
| Cost of funding earning assets | 0.8627% | 1,063 |
| Net interest margin | 3.7597% | 2,792 |
| Noninterest income to average assets | 0.7526% | 1,664 |
| Noninterest expense to average assets | 2.4875% | 3,628 |
| Loan and lease loss provision to assets | 0.2803% | 538 |
| Net operating income to assets | 1.1779% | 2,329 |
| Return on assets (ROA) | 1.1779% | 2,333 |
| Pretax return on assets | 1.4712% | 1,992 |
| Return on Equity (ROE) | 10.4067% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.2455% | 1,538 |
| Net charge-offs to loans | 0.0412% | 2,258 |
| Credit loss provision to net charge-offs | 804.6875% | 484 |
| Earnings coverage of net charge-offs (x) | 50.2898% | 1,169 |
| Efficiency ratio | 58.6816% | 4,013 |
| Assets per employee ($millions) | 6.1919% | 1,354 |
| Cash dividends to net income (ytd only)* | 20.7670% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,362 |
| Loan loss allowance to noncurrent loans | 463.4961% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,377 |
| Noncurrent loans to loans | 0.2699% | 3,724 |
| Net loans and leases to total assets | 83.0698% | 556 |
| Net loans and leases to deposits | 109.1061% | 315 |
| Net loans and leases to core deposits | 111.7080% | 927 |
| Total domestic deposits to total assets | 76.1367% | 4,773 |
| Equity capital to assets | 11.1551% | 2,514 |
| Core capital (leverage) ratio | 11.5050% | 2,163 |
| Tier 1 risk-based capital ratio | 13.2644% | 3,747 |
| Total risk-based capital ratio | 14.5139% | 3,663 |
| Memoranda: | ||
| Average total assets | $490,004,500 | 1,440 |
| Average earning assets | $454,387,000 | 1,436 |
| Average equity | $55,463,000 | 1,413 |
| Average total loans | $414,475,500 | 1,219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,905 |
| Cost of funding earning assets | 0.7905% | 1,171 |
| Net interest margin | 3.7692% | 2,676 |
| Noninterest income to average assets | 0.7564% | 1,621 |
| Noninterest expense to average assets | 2.5268% | 3,561 |
| Loan and lease loss provision to assets | 0.2879% | 485 |
| Net operating income to assets | 1.1530% | 2,383 |
| Return on assets (ROA) | 1.1530% | 2,385 |
| Pretax return on assets | 1.4393% | 2,021 |
| Return on Equity (ROE) | 10.1348% | 2,507 |
| Retained earnings to average equity (ytd only) | 6.8562% | 2,142 |
| Net charge-offs to loans | 0.0455% | 1,961 |
| Credit loss provision to net charge-offs | 746.2366% | 535 |
| Earnings coverage of net charge-offs (x) | 44.7634% | 1,213 |
| Efficiency ratio | 59.3972% | 4,026 |
| Assets per employee ($millions) | 6.1796% | 1,342 |
| Cash dividends to net income (ytd only)* | 32.3498% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,660 |
| Loan loss allowance to noncurrent loans | 424.6052% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 3,381 |
| Noncurrent loans to loans | 0.2847% | 3,682 |
| Net loans and leases to total assets | 83.3909% | 531 |
| Net loans and leases to deposits | 108.3748% | 338 |
| Net loans and leases to core deposits | 111.1368% | 931 |
| Total domestic deposits to total assets | 76.9468% | 4,743 |
| Equity capital to assets | 11.1481% | 2,507 |
| Core capital (leverage) ratio | 11.5687% | 2,013 |
| Tier 1 risk-based capital ratio | 13.1498% | 3,824 |
| Total risk-based capital ratio | 14.3521% | 3,764 |
| Memoranda: | ||
| Average total assets | $482,030,330 | 1,464 |
| Average earning assets | $447,314,330 | 1,461 |
| Average equity | $54,841,000 | 1,424 |
| Average total loans | $408,525,000 | 1,237 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 1,922 |
| Cost of funding earning assets | 0.7483% | 1,201 |
| Net interest margin | 3.7332% | 2,673 |
| Noninterest income to average assets | 0.7471% | 1,635 |
| Noninterest expense to average assets | 2.5788% | 3,397 |
| Loan and lease loss provision to assets | 0.2741% | 501 |
| Net operating income to assets | 1.0965% | 2,438 |
| Return on assets (ROA) | 1.0965% | 2,450 |
| Pretax return on assets | 1.3639% | 2,132 |
| Return on Equity (ROE) | 9.5363% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.2325% | 2,613 |
| Net charge-offs to loans | 0.0249% | 2,006 |
| Credit loss provision to net charge-offs | 1,296.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 77.4400% | 719 |
| Efficiency ratio | 61.1557% | 3,923 |
| Assets per employee ($millions) | 5.8781% | 1,622 |
| Cash dividends to net income (ytd only)* | 34.6451% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,903 |
| Loan loss allowance to noncurrent loans | 386.9565% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 3,342 |
| Noncurrent loans to loans | 0.3061% | 3,674 |
| Net loans and leases to total assets | 84.1999% | 422 |
| Net loans and leases to deposits | 106.7135% | 355 |
| Net loans and leases to core deposits | 108.9646% | 1,066 |
| Total domestic deposits to total assets | 78.9028% | 4,594 |
| Equity capital to assets | 11.5014% | 2,132 |
| Core capital (leverage) ratio | 11.5867% | 1,947 |
| Tier 1 risk-based capital ratio | 13.3811% | 3,730 |
| Total risk-based capital ratio | 14.5538% | 3,686 |
| Memoranda: | ||
| Average total assets | $472,770,500 | 1,500 |
| Average earning assets | $439,410,500 | 1,499 |
| Average equity | $54,360,500 | 1,439 |
| Average total loans | $401,527,000 | 1,257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,949 |
| Cost of funding earning assets | 0.7053% | 994 |
| Net interest margin | 3.7221% | 2,710 |
| Noninterest income to average assets | 0.8077% | 1,539 |
| Noninterest expense to average assets | 2.4566% | 3,921 |
| Loan and lease loss provision to assets | -0.0002% | 5,277 |
| Net operating income to assets | 1.2528% | 1,355 |
| Return on assets (ROA) | 1.2531% | 1,376 |
| Pretax return on assets | 1.8190% | 758 |
| Return on Equity (ROE) | 11.4047% | 1,362 |
| Retained earnings to average equity (ytd only) | 7.8061% | 826 |
| Net charge-offs to loans | 0.1258% | 1,791 |
| Credit loss provision to net charge-offs | -0.2008% | 4,567 |
| Earnings coverage of net charge-offs (x) | 17.2510% | 2,141 |
| Efficiency ratio | 57.4640% | 4,593 |
| Assets per employee ($millions) | 5.6556% | 1,786 |
| Cash dividends to net income (ytd only)* | 31.5541% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,150 |
| Loan loss allowance to noncurrent loans | 352.6604% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 3,316 |
| Noncurrent loans to loans | 0.3216% | 3,619 |
| Net loans and leases to total assets | 83.6878% | 482 |
| Net loans and leases to deposits | 106.4575% | 383 |
| Net loans and leases to core deposits | 108.4141% | 1,104 |
| Total domestic deposits to total assets | 78.6115% | 4,624 |
| Equity capital to assets | 11.4951% | 2,206 |
| Core capital (leverage) ratio | 11.3747% | 2,037 |
| Tier 1 risk-based capital ratio | 13.5428% | 3,605 |
| Total risk-based capital ratio | 14.6734% | 3,585 |
| Memoranda: | ||
| Average total assets | $472,446,000 | 1,473 |
| Average earning assets | $440,102,400 | 1,469 |
| Average equity | $51,908,400 | 1,475 |
| Average total loans | $395,731,600 | 1,243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 1,974 |
| Cost of funding earning assets | 0.6962% | 984 |
| Net interest margin | 3.6986% | 2,769 |
| Noninterest income to average assets | 0.8112% | 1,543 |
| Noninterest expense to average assets | 2.4592% | 3,856 |
| Loan and lease loss provision to assets | -0.1009% | 5,584 |
| Net operating income to assets | 1.3760% | 1,143 |
| Return on assets (ROA) | 1.3764% | 1,160 |
| Pretax return on assets | 1.8991% | 687 |
| Return on Equity (ROE) | 12.6726% | 1,131 |
| Retained earnings to average equity (ytd only) | 9.2327% | 782 |
| Net charge-offs to loans | -0.0654% | 5,250 |
| Credit loss provision to net charge-offs | 184.5361% | 1,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7707% | 4,536 |
| Assets per employee ($millions) | 5.6883% | 1,731 |
| Cash dividends to net income (ytd only)* | 27.1444% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,813 |
| Loan loss allowance to noncurrent loans | 151.3598% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 2,083 |
| Noncurrent loans to loans | 0.8056% | 2,347 |
| Net loans and leases to total assets | 83.0810% | 537 |
| Net loans and leases to deposits | 106.1476% | 412 |
| Net loans and leases to core deposits | 107.7694% | 1,149 |
| Total domestic deposits to total assets | 78.2693% | 4,680 |
| Equity capital to assets | 11.3324% | 2,545 |
| Core capital (leverage) ratio | 11.1721% | 2,303 |
| Tier 1 risk-based capital ratio | 13.4107% | 3,758 |
| Total risk-based capital ratio | 14.6245% | 3,695 |
| Memoranda: | ||
| Average total assets | $473,203,500 | 1,482 |
| Average earning assets | $440,842,250 | 1,473 |
| Average equity | $51,395,500 | 1,507 |
| Average total loans | $395,326,750 | 1,253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,150 |
| Cost of funding earning assets | 0.6799% | 996 |
| Net interest margin | 3.6148% | 2,978 |
| Noninterest income to average assets | 0.8269% | 1,478 |
| Noninterest expense to average assets | 2.4622% | 3,885 |
| Loan and lease loss provision to assets | -0.2492% | 5,720 |
| Net operating income to assets | 1.4699% | 918 |
| Return on assets (ROA) | 1.4706% | 935 |
| Pretax return on assets | 1.9828% | 546 |
| Return on Equity (ROE) | 13.7376% | 861 |
| Retained earnings to average equity (ytd only) | 10.1237% | 556 |
| Net charge-offs to loans | -0.2989% | 5,643 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6932% | 4,506 |
| Assets per employee ($millions) | 5.9086% | 1,521 |
| Cash dividends to net income (ytd only)* | 26.3067% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,764 |
| Loan loss allowance to noncurrent loans | 282.0282% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,391 |
| Noncurrent loans to loans | 0.4392% | 3,438 |
| Net loans and leases to total assets | 82.3865% | 620 |
| Net loans and leases to deposits | 103.5869% | 519 |
| Net loans and leases to core deposits | 104.8668% | 1,302 |
| Total domestic deposits to total assets | 79.5336% | 4,505 |
| Equity capital to assets | 10.8371% | 2,987 |
| Core capital (leverage) ratio | 10.7879% | 2,614 |
| Tier 1 risk-based capital ratio | 12.8910% | 4,066 |
| Total risk-based capital ratio | 14.1200% | 3,995 |
| Memoranda: | ||
| Average total assets | $473,563,000 | 1,489 |
| Average earning assets | $441,237,330 | 1,477 |
| Average equity | $50,693,000 | 1,525 |
| Average total loans | $394,739,670 | 1,253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 2,196 |
| Cost of funding earning assets | 0.6428% | 1,112 |
| Net interest margin | 3.5803% | 2,965 |
| Noninterest income to average assets | 0.8503% | 1,397 |
| Noninterest expense to average assets | 2.4388% | 4,005 |
| Loan and lease loss provision to assets | 0.1017% | 1,866 |
| Net operating income to assets | 1.1442% | 1,696 |
| Return on assets (ROA) | 1.1442% | 1,734 |
| Pretax return on assets | 1.6510% | 1,124 |
| Return on Equity (ROE) | 10.7579% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.6042% | 2,025 |
| Net charge-offs to loans | 0.1190% | 1,218 |
| Credit loss provision to net charge-offs | 102.5862% | 1,540 |
| Earnings coverage of net charge-offs (x) | 17.6810% | 1,594 |
| Efficiency ratio | 58.1855% | 4,694 |
| Assets per employee ($millions) | 5.9733% | 1,526 |
| Cash dividends to net income (ytd only)* | 38.6109% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,781 |
| Loan loss allowance to noncurrent loans | 181.8149% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,688 |
| Noncurrent loans to loans | 0.6907% | 2,772 |
| Net loans and leases to total assets | 82.4208% | 523 |
| Net loans and leases to deposits | 103.0945% | 443 |
| Net loans and leases to core deposits | 104.1016% | 1,216 |
| Total domestic deposits to total assets | 79.9468% | 4,627 |
| Equity capital to assets | 10.5124% | 3,174 |
| Core capital (leverage) ratio | 10.8771% | 2,510 |
| Tier 1 risk-based capital ratio | 12.5991% | 4,322 |
| Total risk-based capital ratio | 13.8493% | 4,234 |
| Memoranda: | ||
| Average total assets | $468,093,500 | 1,505 |
| Average earning assets | $436,837,500 | 1,502 |
| Average equity | $49,786,500 | 1,543 |
| Average total loans | $390,024,500 | 1,275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 1,977 |
| Cost of funding earning assets | 0.6531% | 1,035 |
| Net interest margin | 3.6977% | 2,702 |
| Noninterest income to average assets | 0.7420% | 1,987 |
| Noninterest expense to average assets | 2.5506% | 3,838 |
| Loan and lease loss provision to assets | 0.4351% | 336 |
| Net operating income to assets | 0.8284% | 3,168 |
| Return on assets (ROA) | 0.8480% | 3,188 |
| Pretax return on assets | 1.2190% | 2,591 |
| Return on Equity (ROE) | 7.8204% | 3,042 |
| Retained earnings to average equity (ytd only) | 3.9479% | 3,109 |
| Net charge-offs to loans | 0.4116% | 641 |
| Credit loss provision to net charge-offs | 126.8568% | 2,105 |
| Earnings coverage of net charge-offs (x) | 4.7407% | 3,455 |
| Efficiency ratio | 61.0663% | 4,409 |
| Assets per employee ($millions) | 5.8759% | 1,559 |
| Cash dividends to net income (ytd only)* | 49.5172% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,475 |
| Loan loss allowance to noncurrent loans | 160.7063% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 2,486 |
| Noncurrent loans to loans | 0.8172% | 2,480 |
| Net loans and leases to total assets | 82.0764% | 596 |
| Net loans and leases to deposits | 103.0622% | 463 |
| Net loans and leases to core deposits | 104.8408% | 1,220 |
| Total domestic deposits to total assets | 79.6377% | 4,648 |
| Equity capital to assets | 10.7649% | 2,852 |
| Core capital (leverage) ratio | 10.9250% | 2,415 |
| Tier 1 risk-based capital ratio | 13.2956% | 3,901 |
| Total risk-based capital ratio | 14.5469% | 3,812 |
| Memoranda: | ||
| Average total assets | $439,619,600 | 1,542 |
| Average earning assets | $408,363,400 | 1,539 |
| Average equity | $47,670,400 | 1,587 |
| Average total loans | $366,362,800 | 1,285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 1,988 |
| Cost of funding earning assets | 0.6495% | 1,058 |
| Net interest margin | 3.7046% | 2,703 |
| Noninterest income to average assets | 0.7412% | 2,003 |
| Noninterest expense to average assets | 2.5903% | 3,699 |
| Loan and lease loss provision to assets | 0.5178% | 236 |
| Net operating income to assets | 0.7464% | 3,622 |
| Return on assets (ROA) | 0.7728% | 3,640 |
| Pretax return on assets | 1.1066% | 3,205 |
| Return on Equity (ROE) | 7.1132% | 3,500 |
| Retained earnings to average equity (ytd only) | 2.2121% | 4,591 |
| Net charge-offs to loans | 0.5099% | 417 |
| Credit loss provision to net charge-offs | 121.7736% | 2,069 |
| Earnings coverage of net charge-offs (x) | 3.7318% | 3,369 |
| Efficiency ratio | 62.0138% | 4,230 |
| Assets per employee ($millions) | 5.6202% | 1,744 |
| Cash dividends to net income (ytd only)* | 68.9012% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,691 |
| Loan loss allowance to noncurrent loans | 169.2440% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 2,766 |
| Noncurrent loans to loans | 0.7681% | 2,750 |
| Net loans and leases to total assets | 82.7989% | 529 |
| Net loans and leases to deposits | 104.4478% | 432 |
| Net loans and leases to core deposits | 106.3033% | 1,164 |
| Total domestic deposits to total assets | 79.2730% | 4,661 |
| Equity capital to assets | 10.7697% | 3,286 |
| Core capital (leverage) ratio | 10.8995% | 2,566 |
| Tier 1 risk-based capital ratio | 13.0157% | 4,148 |
| Total risk-based capital ratio | 14.2667% | 4,066 |
| Memoranda: | ||
| Average total assets | $434,944,000 | 1,558 |
| Average earning assets | $403,380,000 | 1,552 |
| Average equity | $47,253,500 | 1,606 |
| Average total loans | $362,658,500 | 1,297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 1,916 |
| Cost of funding earning assets | 0.6375% | 1,103 |
| Net interest margin | 3.7321% | 2,577 |
| Noninterest income to average assets | 0.7190% | 2,056 |
| Noninterest expense to average assets | 2.6336% | 3,599 |
| Loan and lease loss provision to assets | 0.6915% | 161 |
| Net operating income to assets | 0.5999% | 4,269 |
| Return on assets (ROA) | 0.6399% | 4,238 |
| Pretax return on assets | 0.9087% | 3,926 |
| Return on Equity (ROE) | 5.8723% | 4,106 |
| Retained earnings to average equity (ytd only) | 1.5961% | 4,740 |
| Net charge-offs to loans | 0.7182% | 287 |
| Credit loss provision to net charge-offs | 115.7198% | 1,911 |
| Earnings coverage of net charge-offs (x) | 2.5821% | 3,251 |
| Efficiency ratio | 63.0553% | 4,167 |
| Assets per employee ($millions) | 5.5432% | 1,749 |
| Cash dividends to net income (ytd only)* | 72.8198% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,763 |
| Loan loss allowance to noncurrent loans | 322.1328% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,786 |
| Noncurrent loans to loans | 0.4046% | 3,914 |
| Net loans and leases to total assets | 82.0225% | 627 |
| Net loans and leases to deposits | 104.8836% | 413 |
| Net loans and leases to core deposits | 106.2363% | 1,164 |
| Total domestic deposits to total assets | 78.2034% | 4,958 |
| Equity capital to assets | 10.8358% | 3,250 |
| Core capital (leverage) ratio | 11.1599% | 2,274 |
| Tier 1 risk-based capital ratio | 13.2042% | 4,073 |
| Total risk-based capital ratio | 14.4551% | 3,987 |
| Memoranda: | ||
| Average total assets | $430,054,670 | 1,578 |
| Average earning assets | $398,440,000 | 1,575 |
| Average equity | $46,864,000 | 1,619 |
| Average total loans | $357,819,000 | 1,308 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 1,816 |
| Cost of funding earning assets | 0.6466% | 1,074 |
| Net interest margin | 3.7486% | 2,485 |
| Noninterest income to average assets | 0.7115% | 1,983 |
| Noninterest expense to average assets | 2.7022% | 3,405 |
| Loan and lease loss provision to assets | 0.3987% | 347 |
| Net operating income to assets | 0.7502% | 3,482 |
| Return on assets (ROA) | 0.7502% | 3,589 |
| Pretax return on assets | 1.0667% | 3,214 |
| Return on Equity (ROE) | 6.8641% | 3,533 |
| Retained earnings to average equity (ytd only) | 1.6858% | 4,600 |
| Net charge-offs to loans | 0.3643% | 607 |
| Credit loss provision to net charge-offs | 131.4642% | 1,358 |
| Earnings coverage of net charge-offs (x) | 4.8318% | 2,389 |
| Efficiency ratio | 64.8379% | 3,998 |
| Assets per employee ($millions) | 5.3672% | 1,957 |
| Cash dividends to net income (ytd only)* | 75.4408% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,798 |
| Loan loss allowance to noncurrent loans | 331.5938% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 3,450 |
| Noncurrent loans to loans | 0.3981% | 4,006 |
| Net loans and leases to total assets | 81.8581% | 577 |
| Net loans and leases to deposits | 98.5046% | 720 |
| Net loans and leases to core deposits | 99.7412% | 1,504 |
| Total domestic deposits to total assets | 83.1009% | 3,860 |
| Equity capital to assets | 10.8008% | 3,162 |
| Core capital (leverage) ratio | 10.9820% | 2,421 |
| Tier 1 risk-based capital ratio | 13.1119% | 4,190 |
| Total risk-based capital ratio | 14.3631% | 4,109 |
| Memoranda: | ||
| Average total assets | $423,355,000 | 1,602 |
| Average earning assets | $390,331,000 | 1,606 |
| Average equity | $46,270,000 | 1,632 |
| Average total loans | $352,461,000 | 1,319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,290 |
| Cost of funding earning assets | 0.6347% | 1,155 |
| Net interest margin | 3.9819% | 1,778 |
| Noninterest income to average assets | 0.7294% | 2,068 |
| Noninterest expense to average assets | 2.7172% | 3,525 |
| Loan and lease loss provision to assets | 0.3885% | 361 |
| Net operating income to assets | 0.9061% | 2,833 |
| Return on assets (ROA) | 0.9226% | 2,834 |
| Pretax return on assets | 1.3221% | 2,193 |
| Return on Equity (ROE) | 8.4134% | 2,756 |
| Retained earnings to average equity (ytd only) | 5.1445% | 2,320 |
| Net charge-offs to loans | 0.5844% | 415 |
| Credit loss provision to net charge-offs | 79.5119% | 2,958 |
| Earnings coverage of net charge-offs (x) | 3.4525% | 3,722 |
| Efficiency ratio | 61.6955% | 4,657 |
| Assets per employee ($millions) | 5.2827% | 2,021 |
| Cash dividends to net income (ytd only)* | 38.8530% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,794 |
| Loan loss allowance to noncurrent loans | 292.6845% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 3,312 |
| Noncurrent loans to loans | 0.4508% | 3,858 |
| Net loans and leases to total assets | 82.4615% | 550 |
| Net loans and leases to deposits | 99.2917% | 733 |
| Net loans and leases to core deposits | 100.7403% | 1,459 |
| Total domestic deposits to total assets | 83.0497% | 3,823 |
| Equity capital to assets | 11.0617% | 2,761 |
| Core capital (leverage) ratio | 10.9880% | 2,418 |
| Tier 1 risk-based capital ratio | 13.3007% | 4,105 |
| Total risk-based capital ratio | 14.5517% | 4,053 |
| Memoranda: | ||
| Average total assets | $402,550,000 | 1,637 |
| Average earning assets | $371,502,000 | 1,636 |
| Average equity | $44,144,000 | 1,670 |
| Average total loans | $336,559,400 | 1,327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 1,570 |
| Cost of funding earning assets | 0.6245% | 1,247 |
| Net interest margin | 3.8830% | 2,090 |
| Noninterest income to average assets | 0.7398% | 2,066 |
| Noninterest expense to average assets | 2.7204% | 3,494 |
| Loan and lease loss provision to assets | 0.3042% | 472 |
| Net operating income to assets | 0.9168% | 2,882 |
| Return on assets (ROA) | 0.9196% | 2,951 |
| Pretax return on assets | 1.3151% | 2,332 |
| Return on Equity (ROE) | 8.4051% | 2,870 |
| Retained earnings to average equity (ytd only) | 4.2224% | 3,460 |
| Net charge-offs to loans | 0.5245% | 454 |
| Credit loss provision to net charge-offs | 69.3598% | 2,780 |
| Earnings coverage of net charge-offs (x) | 3.6829% | 3,467 |
| Efficiency ratio | 62.7448% | 4,449 |
| Assets per employee ($millions) | 5.2599% | 1,990 |
| Cash dividends to net income (ytd only)* | 49.7638% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,934 |
| Loan loss allowance to noncurrent loans | 212.6617% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 2,838 |
| Noncurrent loans to loans | 0.6278% | 3,436 |
| Net loans and leases to total assets | 82.9008% | 483 |
| Net loans and leases to deposits | 99.1283% | 716 |
| Net loans and leases to core deposits | 101.0647% | 1,439 |
| Total domestic deposits to total assets | 83.6298% | 3,559 |
| Equity capital to assets | 10.7946% | 3,246 |
| Core capital (leverage) ratio | 10.7115% | 2,809 |
| Tier 1 risk-based capital ratio | 12.9281% | 4,470 |
| Total risk-based capital ratio | 14.1793% | 4,392 |
| Memoranda: | ||
| Average total assets | $398,854,250 | 1,666 |
| Average earning assets | $369,364,250 | 1,658 |
| Average equity | $43,639,000 | 1,695 |
| Average total loans | $333,514,250 | 1,346 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,543 |
| Cost of funding earning assets | 0.6087% | 1,357 |
| Net interest margin | 3.8890% | 2,023 |
| Noninterest income to average assets | 0.7209% | 2,128 |
| Noninterest expense to average assets | 2.7009% | 3,592 |
| Loan and lease loss provision to assets | 0.1352% | 1,621 |
| Net operating income to assets | 1.0261% | 2,257 |
| Return on assets (ROA) | 1.0303% | 2,343 |
| Pretax return on assets | 1.4879% | 1,684 |
| Return on Equity (ROE) | 9.3729% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.9144% | 2,910 |
| Net charge-offs to loans | 0.1328% | 1,706 |
| Credit loss provision to net charge-offs | 121.9178% | 1,776 |
| Earnings coverage of net charge-offs (x) | 14.5845% | 2,046 |
| Efficiency ratio | 62.5513% | 4,583 |
| Assets per employee ($millions) | 5.3972% | 1,839 |
| Cash dividends to net income (ytd only)* | 47.5676% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 2,365 |
| Loan loss allowance to noncurrent loans | 218.6067% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 2,772 |
| Noncurrent loans to loans | 0.6789% | 3,449 |
| Net loans and leases to total assets | 82.8472% | 488 |
| Net loans and leases to deposits | 99.8761% | 669 |
| Net loans and leases to core deposits | 103.1398% | 1,256 |
| Total domestic deposits to total assets | 82.9499% | 3,974 |
| Equity capital to assets | 10.8318% | 3,074 |
| Core capital (leverage) ratio | 11.0584% | 2,369 |
| Tier 1 risk-based capital ratio | 13.2476% | 4,377 |
| Total risk-based capital ratio | 14.5011% | 4,302 |
| Memoranda: | ||
| Average total assets | $395,049,000 | 1,692 |
| Average earning assets | $365,387,670 | 1,680 |
| Average equity | $43,423,000 | 1,714 |
| Average total loans | $329,779,330 | 1,356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,568 |
| Cost of funding earning assets | 0.6042% | 1,402 |
| Net interest margin | 3.8615% | 2,028 |
| Noninterest income to average assets | 0.7197% | 2,071 |
| Noninterest expense to average assets | 2.7054% | 3,568 |
| Loan and lease loss provision to assets | 0.1210% | 1,714 |
| Net operating income to assets | 1.0186% | 2,173 |
| Return on assets (ROA) | 1.0272% | 2,284 |
| Pretax return on assets | 1.4701% | 1,662 |
| Return on Equity (ROE) | 9.2753% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,741 |
| Net charge-offs to loans | 0.0999% | 1,729 |
| Credit loss provision to net charge-offs | 145.6790% | 1,273 |
| Earnings coverage of net charge-offs (x) | 19.0123% | 1,463 |
| Efficiency ratio | 63.1491% | 4,604 |
| Assets per employee ($millions) | 5.3211% | 1,970 |
| Cash dividends to net income (ytd only)* | 40.0200% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 2,333 |
| Loan loss allowance to noncurrent loans | 310.5977% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 3,222 |
| Noncurrent loans to loans | 0.4922% | 4,101 |
| Net loans and leases to total assets | 82.4662% | 415 |
| Net loans and leases to deposits | 98.3315% | 653 |
| Net loans and leases to core deposits | 101.8340% | 1,191 |
| Total domestic deposits to total assets | 83.8656% | 3,864 |
| Equity capital to assets | 11.0496% | 2,922 |
| Core capital (leverage) ratio | 11.2506% | 2,191 |
| Tier 1 risk-based capital ratio | 13.8660% | 4,107 |
| Total risk-based capital ratio | 15.1205% | 4,028 |
| Memoranda: | ||
| Average total assets | $390,178,500 | 1,711 |
| Average earning assets | $360,172,500 | 1,702 |
| Average equity | $43,211,500 | 1,721 |
| Average total loans | $324,464,500 | 1,380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,352 |
| Cost of funding earning assets | 0.6078% | 1,704 |
| Net interest margin | 4.0741% | 1,668 |
| Noninterest income to average assets | 0.7255% | 2,188 |
| Noninterest expense to average assets | 2.9063% | 3,133 |
| Loan and lease loss provision to assets | 0.2569% | 873 |
| Net operating income to assets | 0.9002% | 2,868 |
| Return on assets (ROA) | 0.9127% | 2,908 |
| Pretax return on assets | 1.2993% | 2,245 |
| Return on Equity (ROE) | 7.9855% | 3,144 |
| Retained earnings to average equity (ytd only) | 3.4824% | 3,731 |
| Net charge-offs to loans | 0.3170% | 1,393 |
| Credit loss provision to net charge-offs | 99.7893% | 2,442 |
| Earnings coverage of net charge-offs (x) | 5.9747% | 3,304 |
| Efficiency ratio | 65.3888% | 4,344 |
| Assets per employee ($millions) | 5.2243% | 2,043 |
| Cash dividends to net income (ytd only)* | 56.3912% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 2,201 |
| Loan loss allowance to noncurrent loans | 294.8144% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 3,181 |
| Noncurrent loans to loans | 0.5317% | 4,068 |
| Net loans and leases to total assets | 81.2645% | 597 |
| Net loans and leases to deposits | 98.4998% | 722 |
| Net loans and leases to core deposits | 103.1056% | 1,177 |
| Total domestic deposits to total assets | 82.5022% | 4,247 |
| Equity capital to assets | 11.1004% | 2,807 |
| Core capital (leverage) ratio | 11.1131% | 2,298 |
| Tier 1 risk-based capital ratio | 14.0912% | 4,034 |
| Total risk-based capital ratio | 15.3462% | 3,951 |
| Memoranda: | ||
| Average total assets | $368,581,200 | 1,762 |
| Average earning assets | $336,464,400 | 1,781 |
| Average equity | $42,126,200 | 1,702 |
| Average total loans | $299,388,400 | 1,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,322 |
| Cost of funding earning assets | 0.6061% | 1,780 |
| Net interest margin | 4.0888% | 1,611 |
| Noninterest income to average assets | 0.7269% | 2,200 |
| Noninterest expense to average assets | 2.8832% | 3,185 |
| Loan and lease loss provision to assets | 0.2113% | 1,095 |
| Net operating income to assets | 0.9464% | 2,704 |
| Return on assets (ROA) | 0.9653% | 2,691 |
| Pretax return on assets | 1.3850% | 2,067 |
| Return on Equity (ROE) | 8.3822% | 2,995 |
| Retained earnings to average equity (ytd only) | 4.1561% | 3,699 |
| Net charge-offs to loans | 0.2626% | 1,485 |
| Credit loss provision to net charge-offs | 99.4828% | 2,257 |
| Earnings coverage of net charge-offs (x) | 7.3880% | 2,932 |
| Efficiency ratio | 64.7557% | 4,421 |
| Assets per employee ($millions) | 5.2072% | 2,007 |
| Cash dividends to net income (ytd only)* | 50.4174% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 2,224 |
| Loan loss allowance to noncurrent loans | 710.5114% | 747 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 2,915 |
| Noncurrent loans to loans | 0.2284% | 5,210 |
| Net loans and leases to total assets | 82.0005% | 508 |
| Net loans and leases to deposits | 99.7732% | 626 |
| Net loans and leases to core deposits | 102.0088% | 1,213 |
| Total domestic deposits to total assets | 82.1869% | 4,415 |
| Equity capital to assets | 11.5436% | 2,439 |
| Core capital (leverage) ratio | 11.7457% | 1,867 |
| Tier 1 risk-based capital ratio | 14.3094% | 4,023 |
| Total risk-based capital ratio | 15.5255% | 3,961 |
| Memoranda: | ||
| Average total assets | $364,077,250 | 1,801 |
| Average earning assets | $331,730,750 | 1,822 |
| Average equity | $41,929,250 | 1,718 |
| Average total loans | $294,443,250 | 1,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,271 |
| Cost of funding earning assets | 0.6082% | 1,832 |
| Net interest margin | 4.0962% | 1,528 |
| Noninterest income to average assets | 0.7084% | 2,241 |
| Noninterest expense to average assets | 2.8631% | 3,297 |
| Loan and lease loss provision to assets | 0.2176% | 1,074 |
| Net operating income to assets | 0.9458% | 2,568 |
| Return on assets (ROA) | 0.9674% | 2,553 |
| Pretax return on assets | 1.3887% | 1,936 |
| Return on Equity (ROE) | 8.4070% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.5538% | 3,270 |
| Net charge-offs to loans | 0.2753% | 1,441 |
| Credit loss provision to net charge-offs | 98.7469% | 2,042 |
| Earnings coverage of net charge-offs (x) | 7.1504% | 2,674 |
| Efficiency ratio | 64.5061% | 4,613 |
| Assets per employee ($millions) | 5.1749% | 1,997 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 2,134 |
| Loan loss allowance to noncurrent loans | 501.0020% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 3,282 |
| Noncurrent loans to loans | 0.3393% | 4,992 |
| Net loans and leases to total assets | 79.8170% | 706 |
| Net loans and leases to deposits | 97.8712% | 678 |
| Net loans and leases to core deposits | 100.3161% | 1,254 |
| Total domestic deposits to total assets | 81.5532% | 4,800 |
| Equity capital to assets | 11.6754% | 2,258 |
| Core capital (leverage) ratio | 11.8015% | 1,788 |
| Tier 1 risk-based capital ratio | 15.3199% | 3,461 |
| Total risk-based capital ratio | 16.5767% | 3,407 |
| Memoranda: | ||
| Average total assets | $362,199,330 | 1,810 |
| Average earning assets | $329,814,330 | 1,825 |
| Average equity | $41,679,670 | 1,722 |
| Average total loans | $289,868,670 | 1,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,417 |
| Cost of funding earning assets | 0.6123% | 1,875 |
| Net interest margin | 4.0196% | 1,689 |
| Noninterest income to average assets | 0.7355% | 2,010 |
| Noninterest expense to average assets | 2.8240% | 3,472 |
| Loan and lease loss provision to assets | 0.2220% | 1,017 |
| Net operating income to assets | 0.9421% | 2,443 |
| Return on assets (ROA) | 0.9421% | 2,515 |
| Pretax return on assets | 1.3507% | 1,911 |
| Return on Equity (ROE) | 8.2469% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.3603% | 3,510 |
| Net charge-offs to loans | 0.2836% | 1,213 |
| Credit loss provision to net charge-offs | 98.5294% | 1,715 |
| Earnings coverage of net charge-offs (x) | 6.9804% | 2,170 |
| Efficiency ratio | 64.2301% | 4,823 |
| Assets per employee ($millions) | 5.2539% | 1,954 |
| Cash dividends to net income (ytd only)* | 47.1278% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,276 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 3,429 |
| Noncurrent loans to loans | 0.4625% | 4,767 |
| Net loans and leases to total assets | 78.6621% | 693 |
| Net loans and leases to deposits | 94.2807% | 764 |
| Net loans and leases to core deposits | 96.9952% | 1,312 |
| Total domestic deposits to total assets | 83.4340% | 4,469 |
| Equity capital to assets | 11.4937% | 2,255 |
| Core capital (leverage) ratio | 11.8539% | 1,732 |
| Tier 1 risk-based capital ratio | 15.3764% | 3,512 |
| Total risk-based capital ratio | 16.6337% | 3,459 |
| Memoranda: | ||
| Average total assets | $362,178,500 | 1,814 |
| Average earning assets | $329,884,000 | 1,829 |
| Average equity | $41,373,000 | 1,728 |
| Average total loans | $287,738,000 | 1,490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 967 |
| Cost of funding earning assets | 0.7848% | 1,291 |
| Net interest margin | 4.1874% | 1,391 |
| Noninterest income to average assets | 0.8086% | 2,041 |
| Noninterest expense to average assets | 3.2124% | 2,380 |
| Loan and lease loss provision to assets | 0.3753% | 824 |
| Net operating income to assets | 0.7219% | 3,691 |
| Return on assets (ROA) | 0.7610% | 3,587 |
| Pretax return on assets | 1.0856% | 3,004 |
| Return on Equity (ROE) | 6.6558% | 3,741 |
| Retained earnings to average equity (ytd only) | 2.7902% | 4,256 |
| Net charge-offs to loans | 0.4811% | 1,382 |
| Credit loss provision to net charge-offs | 99.8510% | 2,485 |
| Earnings coverage of net charge-offs (x) | 3.7385% | 3,761 |
| Efficiency ratio | 69.5700% | 3,909 |
| Assets per employee ($millions) | 5.0963% | 2,073 |
| Cash dividends to net income (ytd only)* | 58.0788% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 2,223 |
| Loan loss allowance to noncurrent loans | 398.8048% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 3,788 |
| Noncurrent loans to loans | 0.4399% | 4,904 |
| Net loans and leases to total assets | 77.4666% | 892 |
| Net loans and leases to deposits | 93.0856% | 951 |
| Net loans and leases to core deposits | 95.7731% | 1,469 |
| Total domestic deposits to total assets | 83.2209% | 4,465 |
| Equity capital to assets | 11.3529% | 2,288 |
| Core capital (leverage) ratio | 11.3232% | 2,097 |
| Tier 1 risk-based capital ratio | 15.2327% | 3,527 |
| Total risk-based capital ratio | 16.4900% | 3,470 |
| Memoranda: | ||
| Average total assets | $357,049,800 | 1,816 |
| Average earning assets | $324,785,400 | 1,824 |
| Average equity | $40,821,400 | 1,714 |
| Average total loans | $278,940,600 | 1,512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 899 |
| Cost of funding earning assets | 0.7949% | 1,355 |
| Net interest margin | 4.2279% | 1,252 |
| Noninterest income to average assets | 0.8700% | 1,857 |
| Noninterest expense to average assets | 3.3095% | 2,055 |
| Loan and lease loss provision to assets | 0.4702% | 595 |
| Net operating income to assets | 0.6599% | 4,066 |
| Return on assets (ROA) | 0.7126% | 3,926 |
| Pretax return on assets | 1.0139% | 3,457 |
| Return on Equity (ROE) | 6.2221% | 4,063 |
| Retained earnings to average equity (ytd only) | 2.2769% | 4,960 |
| Net charge-offs to loans | 0.6052% | 1,033 |
| Credit loss provision to net charge-offs | 99.6823% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.9865% | 3,842 |
| Efficiency ratio | 70.1421% | 3,740 |
| Assets per employee ($millions) | 5.1135% | 2,034 |
| Cash dividends to net income (ytd only)* | 63.4069% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,260 |
| Loan loss allowance to noncurrent loans | 606.4242% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 4,338 |
| Noncurrent loans to loans | 0.2992% | 5,483 |
| Net loans and leases to total assets | 74.5780% | 1,196 |
| Net loans and leases to deposits | 90.3453% | 1,125 |
| Net loans and leases to core deposits | 93.4419% | 1,625 |
| Total domestic deposits to total assets | 82.5478% | 4,739 |
| Equity capital to assets | 11.2152% | 2,546 |
| Core capital (leverage) ratio | 11.2915% | 2,206 |
| Tier 1 risk-based capital ratio | 15.7938% | 3,304 |
| Total risk-based capital ratio | 17.0521% | 3,255 |
| Memoranda: | ||
| Average total assets | $355,853,000 | 1,831 |
| Average earning assets | $323,902,250 | 1,847 |
| Average equity | $40,757,000 | 1,729 |
| Average total loans | $277,348,750 | 1,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 773 |
| Cost of funding earning assets | 0.7949% | 1,441 |
| Net interest margin | 4.3038% | 1,024 |
| Noninterest income to average assets | 0.9014% | 1,806 |
| Noninterest expense to average assets | 3.5009% | 1,607 |
| Loan and lease loss provision to assets | 0.1845% | 2,054 |
| Net operating income to assets | 0.8008% | 3,294 |
| Return on assets (ROA) | 0.8816% | 3,042 |
| Pretax return on assets | 1.2483% | 2,489 |
| Return on Equity (ROE) | 7.6429% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.7086% | 3,946 |
| Net charge-offs to loans | 0.2368% | 2,300 |
| Credit loss provision to net charge-offs | 99.0881% | 2,266 |
| Earnings coverage of net charge-offs (x) | 7.0851% | 2,599 |
| Efficiency ratio | 72.6344% | 3,363 |
| Assets per employee ($millions) | 5.3093% | 1,778 |
| Cash dividends to net income (ytd only)* | 51.4763% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 2,610 |
| Loan loss allowance to noncurrent loans | 494.4664% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 4,607 |
| Noncurrent loans to loans | 0.3528% | 5,401 |
| Net loans and leases to total assets | 79.2413% | 613 |
| Net loans and leases to deposits | 96.8377% | 615 |
| Net loans and leases to core deposits | 99.6771% | 1,105 |
| Total domestic deposits to total assets | 81.8290% | 5,104 |
| Equity capital to assets | 11.4562% | 2,336 |
| Core capital (leverage) ratio | 11.4958% | 1,937 |
| Tier 1 risk-based capital ratio | 15.1819% | 3,654 |
| Total risk-based capital ratio | 16.4393% | 3,619 |
| Memoranda: | ||
| Average total assets | $353,450,670 | 1,843 |
| Average earning assets | $321,809,000 | 1,863 |
| Average equity | $40,770,000 | 1,730 |
| Average total loans | $277,876,330 | 1,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 717 |
| Cost of funding earning assets | 0.7917% | 1,576 |
| Net interest margin | 4.3266% | 918 |
| Noninterest income to average assets | 0.8458% | 1,940 |
| Noninterest expense to average assets | 3.1846% | 2,399 |
| Loan and lease loss provision to assets | 0.1135% | 2,813 |
| Net operating income to assets | 1.0179% | 2,153 |
| Return on assets (ROA) | 1.1456% | 1,806 |
| Pretax return on assets | 1.6542% | 1,181 |
| Return on Equity (ROE) | 9.8973% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.9540% | 2,702 |
| Net charge-offs to loans | 0.1492% | 2,506 |
| Credit loss provision to net charge-offs | 98.0392% | 1,903 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,511 |
| Efficiency ratio | 66.8016% | 4,523 |
| Assets per employee ($millions) | 5.0446% | 2,154 |
| Cash dividends to net income (ytd only)* | 39.8414% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 2,517 |
| Loan loss allowance to noncurrent loans | 568.1044% | 768 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 2,823 |
| Noncurrent loans to loans | 0.3219% | 5,590 |
| Net loans and leases to total assets | 75.0194% | 960 |
| Net loans and leases to deposits | 92.7849% | 738 |
| Net loans and leases to core deposits | 95.7955% | 1,211 |
| Total domestic deposits to total assets | 80.8530% | 5,538 |
| Equity capital to assets | 11.4480% | 2,459 |
| Core capital (leverage) ratio | 11.4128% | 1,936 |
| Tier 1 risk-based capital ratio | 15.5998% | 3,473 |
| Total risk-based capital ratio | 16.8579% | 3,433 |
| Memoranda: | ||
| Average total assets | $352,316,000 | 1,877 |
| Average earning assets | $319,325,500 | 1,900 |
| Average equity | $40,779,000 | 1,753 |
| Average total loans | $273,374,000 | 1,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2854% | 949 |
| Cost of funding earning assets | 0.9105% | 1,880 |
| Net interest margin | 4.3749% | 1,216 |
| Noninterest income to average assets | 0.6341% | 3,083 |
| Noninterest expense to average assets | 2.7206% | 4,333 |
| Loan and lease loss provision to assets | 0.4626% | 1,355 |
| Net operating income to assets | 1.0153% | 2,272 |
| Return on assets (ROA) | 1.1107% | 2,083 |
| Pretax return on assets | 1.5772% | 1,447 |
| Return on Equity (ROE) | 10.0631% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.2147% | 1,464 |
| Net charge-offs to loans | 0.4241% | 2,541 |
| Credit loss provision to net charge-offs | 141.8525% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.8370% | 2,937 |
| Efficiency ratio | 58.8338% | 5,718 |
| Assets per employee ($millions) | 5.0212% | 2,200 |
| Cash dividends to net income (ytd only)* | 28.3052% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 2,489 |
| Loan loss allowance to noncurrent loans | 385.4503% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8181% | 2,689 |
| Noncurrent loans to loans | 0.4757% | 5,334 |
| Net loans and leases to total assets | 77.3646% | 748 |
| Net loans and leases to deposits | 99.3514% | 438 |
| Net loans and leases to core deposits | 103.0970% | 831 |
| Total domestic deposits to total assets | 77.8697% | 6,106 |
| Equity capital to assets | 11.7053% | 2,268 |
| Core capital (leverage) ratio | 11.4383% | 1,920 |
| Tier 1 risk-based capital ratio | 15.3942% | 3,489 |
| Total risk-based capital ratio | 16.6526% | 3,447 |
| Memoranda: | ||
| Average total assets | $357,536,000 | 1,818 |
| Average earning assets | $326,088,600 | 1,825 |
| Average equity | $39,461,000 | 1,762 |
| Average total loans | $274,933,600 | 1,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 1,049 |
| Cost of funding earning assets | 0.9394% | 1,922 |
| Net interest margin | 4.3395% | 1,376 |
| Noninterest income to average assets | 0.6113% | 3,206 |
| Noninterest expense to average assets | 2.5815% | 4,803 |
| Loan and lease loss provision to assets | 0.5022% | 1,220 |
| Net operating income to assets | 1.0462% | 2,299 |
| Return on assets (ROA) | 1.1723% | 2,016 |
| Pretax return on assets | 1.6756% | 1,340 |
| Return on Equity (ROE) | 10.7787% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.0639% | 1,208 |
| Net charge-offs to loans | 0.4914% | 2,140 |
| Credit loss provision to net charge-offs | 133.6946% | 2,155 |
| Earnings coverage of net charge-offs (x) | 5.3182% | 3,051 |
| Efficiency ratio | 56.3763% | 6,007 |
| Assets per employee ($millions) | 5.2332% | 1,904 |
| Cash dividends to net income (ytd only)* | 15.9090% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,842 |
| Loan loss allowance to noncurrent loans | 310.4087% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 2.0415% | 2,591 |
| Noncurrent loans to loans | 0.5751% | 5,284 |
| Net loans and leases to total assets | 76.2722% | 927 |
| Net loans and leases to deposits | 98.0988% | 534 |
| Net loans and leases to core deposits | 101.2402% | 1,034 |
| Total domestic deposits to total assets | 77.7504% | 6,126 |
| Equity capital to assets | 11.5282% | 2,718 |
| Core capital (leverage) ratio | 11.3517% | 2,090 |
| Tier 1 risk-based capital ratio | 15.4937% | 3,537 |
| Total risk-based capital ratio | 16.7517% | 3,498 |
| Memoranda: | ||
| Average total assets | $360,303,500 | 1,830 |
| Average earning assets | $329,434,250 | 1,822 |
| Average equity | $39,187,500 | 1,788 |
| Average total loans | $275,404,750 | 1,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 1,076 |
| Cost of funding earning assets | 0.9763% | 1,896 |
| Net interest margin | 4.3124% | 1,456 |
| Noninterest income to average assets | 0.5414% | 3,646 |
| Noninterest expense to average assets | 2.5847% | 4,828 |
| Loan and lease loss provision to assets | 0.2866% | 2,286 |
| Net operating income to assets | 1.1430% | 1,900 |
| Return on assets (ROA) | 1.2335% | 1,791 |
| Pretax return on assets | 1.7605% | 1,110 |
| Return on Equity (ROE) | 11.5638% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.0480% | 739 |
| Net charge-offs to loans | 0.3075% | 2,799 |
| Credit loss provision to net charge-offs | 122.5882% | 2,239 |
| Earnings coverage of net charge-offs (x) | 8.2024% | 2,346 |
| Efficiency ratio | 57.4047% | 5,941 |
| Assets per employee ($millions) | 5.3348% | 1,788 |
| Cash dividends to net income (ytd only)* | 4.4603% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 3,275 |
| Loan loss allowance to noncurrent loans | 626.1872% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 5,354 |
| Noncurrent loans to loans | 0.2696% | 6,042 |
| Net loans and leases to total assets | 75.2019% | 1,079 |
| Net loans and leases to deposits | 96.8132% | 579 |
| Net loans and leases to core deposits | 99.4285% | 1,138 |
| Total domestic deposits to total assets | 77.6774% | 6,220 |
| Equity capital to assets | 11.1664% | 2,928 |
| Core capital (leverage) ratio | 11.0573% | 2,242 |
| Tier 1 risk-based capital ratio | 15.4639% | 3,468 |
| Total risk-based capital ratio | 16.7204% | 3,427 |
| Memoranda: | ||
| Average total assets | $363,529,330 | 1,815 |
| Average earning assets | $333,921,000 | 1,798 |
| Average equity | $38,776,330 | 1,793 |
| Average total loans | $276,442,670 | 1,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 1,147 |
| Cost of funding earning assets | 1.0154% | 1,887 |
| Net interest margin | 4.2628% | 1,580 |
| Noninterest income to average assets | 0.5827% | 3,338 |
| Noninterest expense to average assets | 2.5370% | 5,031 |
| Loan and lease loss provision to assets | 0.2564% | 2,402 |
| Net operating income to assets | 1.1912% | 1,762 |
| Return on assets (ROA) | 1.3050% | 1,614 |
| Pretax return on assets | 1.8594% | 950 |
| Return on Equity (ROE) | 12.5208% | 1,527 |
| Retained earnings to average equity (ytd only) | 12.5208% | 747 |
| Net charge-offs to loans | 0.3036% | 2,444 |
| Credit loss provision to net charge-offs | 111.3744% | 2,110 |
| Earnings coverage of net charge-offs (x) | 8.4834% | 1,953 |
| Efficiency ratio | 56.5006% | 6,078 |
| Assets per employee ($millions) | 5.3694% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 3,603 |
| Loan loss allowance to noncurrent loans | 279.2256% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 4,726 |
| Noncurrent loans to loans | 0.5851% | 5,498 |
| Net loans and leases to total assets | 73.8243% | 1,094 |
| Net loans and leases to deposits | 92.9112% | 735 |
| Net loans and leases to core deposits | 95.4846% | 1,334 |
| Total domestic deposits to total assets | 79.4569% | 5,982 |
| Equity capital to assets | 10.4546% | 3,549 |
| Core capital (leverage) ratio | 10.7735% | 2,470 |
| Tier 1 risk-based capital ratio | 14.7739% | 3,912 |
| Total risk-based capital ratio | 16.0299% | 3,868 |
| Memoranda: | ||
| Average total assets | $366,578,500 | 1,807 |
| Average earning assets | $336,021,000 | 1,796 |
| Average equity | $38,208,500 | 1,822 |
| Average total loans | $277,959,000 | 1,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5327% | 1,090 |
| Cost of funding earning assets | 1.1562% | 2,310 |
| Net interest margin | 4.3765% | 1,457 |
| Noninterest income to average assets | 0.3796% | 4,790 |
| Noninterest expense to average assets | 2.5881% | 5,139 |
| Loan and lease loss provision to assets | 0.3372% | 3,001 |
| Net operating income to assets | 1.0675% | 1,932 |
| Return on assets (ROA) | 1.0825% | 2,018 |
| Pretax return on assets | 1.5712% | 1,274 |
| Return on Equity (ROE) | 11.0332% | 1,687 |
| Retained earnings to average equity (ytd only) | 9.4048% | 697 |
| Net charge-offs to loans | 0.4232% | 3,311 |
| Credit loss provision to net charge-offs | 100.3390% | 3,484 |
| Earnings coverage of net charge-offs (x) | 5.6144% | 2,739 |
| Efficiency ratio | 57.8375% | 6,072 |
| Assets per employee ($millions) | 5.5795% | 1,550 |
| Cash dividends to net income (ytd only)* | 14.7593% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,484 |
| Loan loss allowance to noncurrent loans | 263.0384% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 4,765 |
| Noncurrent loans to loans | 0.6183% | 5,475 |
| Net loans and leases to total assets | 75.3706% | 1,040 |
| Net loans and leases to deposits | 94.1854% | 801 |
| Net loans and leases to core deposits | 96.2862% | 1,468 |
| Total domestic deposits to total assets | 80.0236% | 5,736 |
| Equity capital to assets | 10.3908% | 3,667 |
| Core capital (leverage) ratio | 10.3685% | 2,883 |
| Tier 1 risk-based capital ratio | 14.6085% | 3,900 |
| Total risk-based capital ratio | 15.8648% | 3,870 |
| Memoranda: | ||
| Average total assets | $351,140,600 | 1,847 |
| Average earning assets | $328,571,800 | 1,797 |
| Average equity | $34,450,600 | 1,945 |
| Average total loans | $278,842,200 | 1,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 1,438 |
| Cost of funding earning assets | 1.1791% | 2,454 |
| Net interest margin | 4.2469% | 1,918 |
| Noninterest income to average assets | 0.3894% | 4,744 |
| Noninterest expense to average assets | 2.5873% | 5,130 |
| Loan and lease loss provision to assets | 0.2634% | 3,401 |
| Net operating income to assets | 1.0533% | 2,126 |
| Return on assets (ROA) | 1.0731% | 2,210 |
| Pretax return on assets | 1.5681% | 1,465 |
| Return on Equity (ROE) | 11.1088% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.8854% | 1,188 |
| Net charge-offs to loans | 0.3277% | 3,460 |
| Credit loss provision to net charge-offs | 100.2915% | 3,358 |
| Earnings coverage of net charge-offs (x) | 6.8630% | 2,468 |
| Efficiency ratio | 58.9395% | 5,877 |
| Assets per employee ($millions) | 5.3887% | 1,713 |
| Cash dividends to net income (ytd only)* | 20.0142% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,538 |
| Loan loss allowance to noncurrent loans | 259.7470% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,704 |
| Noncurrent loans to loans | 0.6268% | 5,637 |
| Net loans and leases to total assets | 76.7424% | 875 |
| Net loans and leases to deposits | 97.4967% | 609 |
| Net loans and leases to core deposits | 100.2435% | 1,226 |
| Total domestic deposits to total assets | 78.7129% | 6,045 |
| Equity capital to assets | 10.2554% | 4,013 |
| Core capital (leverage) ratio | 10.4684% | 2,903 |
| Tier 1 risk-based capital ratio | 14.8727% | 3,741 |
| Total risk-based capital ratio | 16.1299% | 3,706 |
| Memoranda: | ||
| Average total assets | $348,258,750 | 1,867 |
| Average earning assets | $328,040,750 | 1,813 |
| Average equity | $33,642,250 | 1,987 |
| Average total loans | $279,086,750 | 1,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 1,437 |
| Cost of funding earning assets | 1.2178% | 2,457 |
| Net interest margin | 4.2252% | 1,940 |
| Noninterest income to average assets | 0.3939% | 4,729 |
| Noninterest expense to average assets | 2.5969% | 5,198 |
| Loan and lease loss provision to assets | 0.1943% | 3,987 |
| Net operating income to assets | 1.0731% | 1,962 |
| Return on assets (ROA) | 1.1030% | 1,949 |
| Pretax return on assets | 1.6218% | 1,214 |
| Return on Equity (ROE) | 11.6642% | 1,588 |
| Retained earnings to average equity (ytd only) | 8.2328% | 1,371 |
| Net charge-offs to loans | 0.2410% | 3,676 |
| Credit loss provision to net charge-offs | 99.7033% | 3,177 |
| Earnings coverage of net charge-offs (x) | 9.0920% | 1,966 |
| Efficiency ratio | 59.4387% | 5,956 |
| Assets per employee ($millions) | 4.9284% | 2,227 |
| Cash dividends to net income (ytd only)* | 29.4179% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 3,571 |
| Loan loss allowance to noncurrent loans | 204.0687% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 4,405 |
| Noncurrent loans to loans | 0.7998% | 5,315 |
| Net loans and leases to total assets | 78.8586% | 666 |
| Net loans and leases to deposits | 98.5824% | 560 |
| Net loans and leases to core deposits | 102.3067% | 1,158 |
| Total domestic deposits to total assets | 79.9925% | 5,823 |
| Equity capital to assets | 9.7013% | 4,535 |
| Core capital (leverage) ratio | 9.6168% | 3,784 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,425 |
| Total risk-based capital ratio | 14.8963% | 4,399 |
| Memoranda: | ||
| Average total assets | $345,793,000 | 1,884 |
| Average earning assets | $325,336,330 | 1,831 |
| Average equity | $32,698,330 | 2,016 |
| Average total loans | $279,630,330 | 1,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 1,849 |
| Cost of funding earning assets | 1.2672% | 2,380 |
| Net interest margin | 4.0389% | 2,521 |
| Noninterest income to average assets | 0.4136% | 4,596 |
| Noninterest expense to average assets | 2.6112% | 5,177 |
| Loan and lease loss provision to assets | 0.1433% | 4,215 |
| Net operating income to assets | 0.9867% | 2,225 |
| Return on assets (ROA) | 0.9867% | 2,283 |
| Pretax return on assets | 1.4524% | 1,594 |
| Return on Equity (ROE) | 10.5714% | 1,885 |
| Retained earnings to average equity (ytd only) | 7.0930% | 2,107 |
| Net charge-offs to loans | 0.1750% | 3,444 |
| Credit loss provision to net charge-offs | 100.8130% | 2,619 |
| Earnings coverage of net charge-offs (x) | 11.2276% | 1,567 |
| Efficiency ratio | 62.0709% | 5,669 |
| Assets per employee ($millions) | 5.0029% | 2,157 |
| Cash dividends to net income (ytd only)* | 32.9040% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,679 |
| Loan loss allowance to noncurrent loans | 166.3352% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6984% | 3,707 |
| Noncurrent loans to loans | 0.9698% | 5,103 |
| Net loans and leases to total assets | 79.7880% | 529 |
| Net loans and leases to deposits | 101.6823% | 391 |
| Net loans and leases to core deposits | 105.4669% | 967 |
| Total domestic deposits to total assets | 78.4679% | 6,303 |
| Equity capital to assets | 9.4507% | 4,500 |
| Core capital (leverage) ratio | 9.5289% | 3,758 |
| Tier 1 risk-based capital ratio | 13.1492% | 4,710 |
| Total risk-based capital ratio | 14.4061% | 4,679 |
| Memoranda: | ||
| Average total assets | $346,196,500 | 1,901 |
| Average earning assets | $325,137,000 | 1,846 |
| Average equity | $32,313,500 | 2,026 |
| Average total loans | $281,163,000 | 1,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8252% | 1,213 |
| Cost of funding earning assets | 1.5991% | 2,071 |
| Net interest margin | 4.2260% | 2,077 |
| Noninterest income to average assets | 0.5214% | 4,015 |
| Noninterest expense to average assets | 2.6214% | 5,329 |
| Loan and lease loss provision to assets | 1.0182% | 1,594 |
| Net operating income to assets | 0.5887% | 3,726 |
| Return on assets (ROA) | 0.6072% | 3,804 |
| Pretax return on assets | 0.8758% | 3,389 |
| Return on Equity (ROE) | 6.7023% | 3,261 |
| Retained earnings to average equity (ytd only) | 3.6871% | 3,281 |
| Net charge-offs to loans | 0.9894% | 2,206 |
| Credit loss provision to net charge-offs | 117.1438% | 3,653 |
| Earnings coverage of net charge-offs (x) | 2.1483% | 4,115 |
| Efficiency ratio | 58.3996% | 6,292 |
| Assets per employee ($millions) | 5.1820% | 1,887 |
| Cash dividends to net income (ytd only)* | 44.9877% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 3,571 |
| Loan loss allowance to noncurrent loans | 199.5139% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 3,681 |
| Noncurrent loans to loans | 0.8014% | 5,440 |
| Net loans and leases to total assets | 80.0324% | 658 |
| Net loans and leases to deposits | 99.9658% | 581 |
| Net loans and leases to core deposits | 103.9509% | 1,317 |
| Total domestic deposits to total assets | 80.0597% | 5,816 |
| Equity capital to assets | 9.2177% | 4,813 |
| Core capital (leverage) ratio | 9.3624% | 3,905 |
| Tier 1 risk-based capital ratio | 12.6238% | 4,919 |
| Total risk-based capital ratio | 13.8760% | 4,896 |
| Memoranda: | ||
| Average total assets | $333,520,400 | 1,951 |
| Average earning assets | $313,107,000 | 1,895 |
| Average equity | $30,213,600 | 2,157 |
| Average total loans | $292,999,200 | 1,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9189% | 1,085 |
| Cost of funding earning assets | 1.6592% | 2,049 |
| Net interest margin | 4.2597% | 1,996 |
| Noninterest income to average assets | 0.4710% | 4,407 |
| Noninterest expense to average assets | 2.5171% | 5,648 |
| Loan and lease loss provision to assets | 1.1677% | 1,234 |
| Net operating income to assets | 0.5484% | 4,098 |
| Return on assets (ROA) | 0.5735% | 4,156 |
| Pretax return on assets | 0.8236% | 3,824 |
| Return on Equity (ROE) | 6.3605% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.7581% | 3,814 |
| Net charge-offs to loans | 1.1694% | 1,745 |
| Credit loss provision to net charge-offs | 111.4925% | 3,796 |
| Earnings coverage of net charge-offs (x) | 1.8669% | 4,307 |
| Efficiency ratio | 56.2810% | 6,514 |
| Assets per employee ($millions) | 5.1361% | 2,013 |
| Cash dividends to net income (ytd only)* | 40.9155% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 4,149 |
| Loan loss allowance to noncurrent loans | 130.5110% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 3,634 |
| Noncurrent loans to loans | 1.1199% | 5,000 |
| Net loans and leases to total assets | 84.5551% | 297 |
| Net loans and leases to deposits | 106.1102% | 361 |
| Net loans and leases to core deposits | 111.4862% | 959 |
| Total domestic deposits to total assets | 79.6861% | 5,813 |
| Equity capital to assets | 9.0047% | 5,575 |
| Core capital (leverage) ratio | 9.0665% | 4,576 |
| Tier 1 risk-based capital ratio | 11.7104% | 5,724 |
| Total risk-based capital ratio | 12.9651% | 5,691 |
| Memoranda: | ||
| Average total assets | $330,102,500 | 1,996 |
| Average earning assets | $310,093,500 | 1,947 |
| Average equity | $29,766,250 | 2,217 |
| Average total loans | $295,653,750 | 1,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9130% | 1,154 |
| Cost of funding earning assets | 1.7109% | 2,065 |
| Net interest margin | 4.2022% | 2,151 |
| Noninterest income to average assets | 0.4701% | 4,355 |
| Noninterest expense to average assets | 2.3968% | 6,075 |
| Loan and lease loss provision to assets | 1.4221% | 937 |
| Net operating income to assets | 0.4233% | 4,646 |
| Return on assets (ROA) | 0.4622% | 4,652 |
| Pretax return on assets | 0.6502% | 4,397 |
| Return on Equity (ROE) | 5.1227% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.2153% | 4,062 |
| Net charge-offs to loans | 1.4308% | 1,337 |
| Credit loss provision to net charge-offs | 109.3573% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.5515% | 4,328 |
| Efficiency ratio | 54.2949% | 6,844 |
| Assets per employee ($millions) | 5.2088% | 1,917 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,240 |
| Loan loss allowance to noncurrent loans | 133.3755% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 2.3428% | 3,087 |
| Noncurrent loans to loans | 1.0788% | 5,161 |
| Net loans and leases to total assets | 86.6341% | 188 |
| Net loans and leases to deposits | 106.5528% | 366 |
| Net loans and leases to core deposits | 111.3760% | 1,071 |
| Total domestic deposits to total assets | 81.3063% | 5,291 |
| Equity capital to assets | 9.1780% | 5,173 |
| Core capital (leverage) ratio | 9.2757% | 4,163 |
| Tier 1 risk-based capital ratio | 11.6942% | 5,589 |
| Total risk-based capital ratio | 12.9484% | 5,547 |
| Memoranda: | ||
| Average total assets | $325,430,330 | 2,039 |
| Average earning assets | $305,461,330 | 1,996 |
| Average equity | $29,359,330 | 2,235 |
| Average total loans | $295,776,330 | 1,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9692% | 1,035 |
| Cost of funding earning assets | 1.6964% | 2,410 |
| Net interest margin | 4.2728% | 1,773 |
| Noninterest income to average assets | 0.4554% | 4,418 |
| Noninterest expense to average assets | 2.4762% | 5,820 |
| Loan and lease loss provision to assets | 0.7105% | 1,795 |
| Net operating income to assets | 0.8847% | 2,613 |
| Return on assets (ROA) | 0.8847% | 2,682 |
| Pretax return on assets | 1.2928% | 2,069 |
| Return on Equity (ROE) | 9.8953% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.8953% | 1,165 |
| Net charge-offs to loans | 0.4994% | 2,566 |
| Credit loss provision to net charge-offs | 153.9084% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.3396% | 2,655 |
| Efficiency ratio | 55.2778% | 6,850 |
| Assets per employee ($millions) | 4.8603% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,295 |
| Loan loss allowance to noncurrent loans | 165.8671% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3888% | 4,426 |
| Noncurrent loans to loans | 0.8592% | 5,598 |
| Net loans and leases to total assets | 90.9523% | 53 |
| Net loans and leases to deposits | 113.8693% | 214 |
| Net loans and leases to core deposits | 116.7669% | 916 |
| Total domestic deposits to total assets | 79.8743% | 5,830 |
| Equity capital to assets | 9.3853% | 4,701 |
| Core capital (leverage) ratio | 9.3774% | 3,938 |
| Tier 1 risk-based capital ratio | 11.3949% | 5,773 |
| Total risk-based capital ratio | 12.6492% | 5,740 |
| Memoranda: | ||
| Average total assets | $321,463,500 | 2,116 |
| Average earning assets | $302,753,000 | 2,065 |
| Average equity | $28,741,000 | 2,309 |
| Average total loans | $297,153,000 | 1,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1606% | 1,345 |
| Cost of funding earning assets | 1.9838% | 3,037 |
| Net interest margin | 4.1768% | 2,147 |
| Noninterest income to average assets | 0.4416% | 4,870 |
| Noninterest expense to average assets | 2.7146% | 5,321 |
| Loan and lease loss provision to assets | 0.7234% | 2,949 |
| Net operating income to assets | 0.6697% | 3,060 |
| Return on assets (ROA) | 0.7073% | 2,970 |
| Pretax return on assets | 1.0094% | 2,562 |
| Return on Equity (ROE) | 8.4459% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.2249% | 2,262 |
| Net charge-offs to loans | 0.3277% | 4,597 |
| Credit loss provision to net charge-offs | 240.1747% | 1,493 |
| Earnings coverage of net charge-offs (x) | 5.5753% | 2,556 |
| Efficiency ratio | 61.7825% | 6,191 |
| Assets per employee ($millions) | 4.8082% | 2,473 |
| Cash dividends to net income (ytd only)* | 49.9768% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,499 |
| Loan loss allowance to noncurrent loans | 188.4615% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 4,458 |
| Noncurrent loans to loans | 0.7146% | 5,818 |
| Net loans and leases to total assets | 91.3599% | 52 |
| Net loans and leases to deposits | 114.8511% | 252 |
| Net loans and leases to core deposits | 133.1238% | 1,104 |
| Total domestic deposits to total assets | 79.5464% | 5,833 |
| Equity capital to assets | 8.4980% | 5,883 |
| Core capital (leverage) ratio | 8.5613% | 5,171 |
| Tier 1 risk-based capital ratio | 10.1185% | 6,775 |
| Total risk-based capital ratio | 11.3713% | 6,738 |
| Memoranda: | ||
| Average total assets | $304,130,200 | 2,190 |
| Average earning assets | $287,779,600 | 2,139 |
| Average equity | $25,468,000 | 2,565 |
| Average total loans | $279,519,800 | 1,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1640% | 1,464 |
| Cost of funding earning assets | 2.0445% | 3,146 |
| Net interest margin | 4.1195% | 2,320 |
| Noninterest income to average assets | 0.3987% | 5,294 |
| Noninterest expense to average assets | 2.6708% | 5,452 |
| Loan and lease loss provision to assets | 0.4882% | 3,463 |
| Net operating income to assets | 0.7968% | 2,829 |
| Return on assets (ROA) | 0.8473% | 2,697 |
| Pretax return on assets | 1.2121% | 2,225 |
| Return on Equity (ROE) | 10.1581% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.9166% | 1,995 |
| Net charge-offs to loans | 0.2460% | 4,510 |
| Credit loss provision to net charge-offs | 216.3708% | 2,029 |
| Earnings coverage of net charge-offs (x) | 7.2170% | 2,446 |
| Efficiency ratio | 62.1261% | 6,081 |
| Assets per employee ($millions) | 4.7433% | 2,484 |
| Cash dividends to net income (ytd only)* | 41.7541% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,512 |
| Loan loss allowance to noncurrent loans | 146.5608% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 4,518 |
| Noncurrent loans to loans | 0.7741% | 5,749 |
| Net loans and leases to total assets | 92.5228% | 44 |
| Net loans and leases to deposits | 110.6019% | 450 |
| Net loans and leases to core deposits | 127.1079% | 1,646 |
| Total domestic deposits to total assets | 83.6539% | 3,881 |
| Equity capital to assets | 8.6131% | 6,098 |
| Core capital (leverage) ratio | 8.7580% | 5,038 |
| Tier 1 risk-based capital ratio | 10.2975% | 6,684 |
| Total risk-based capital ratio | 11.5480% | 6,631 |
| Memoranda: | ||
| Average total assets | $299,625,750 | 2,228 |
| Average earning assets | $283,685,000 | 2,176 |
| Average equity | $24,991,000 | 2,641 |
| Average total loans | $274,816,750 | 1,768 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1625% | 1,588 |
| Cost of funding earning assets | 2.1116% | 3,215 |
| Net interest margin | 4.0510% | 2,499 |
| Noninterest income to average assets | 0.3835% | 5,435 |
| Noninterest expense to average assets | 2.7064% | 5,362 |
| Loan and lease loss provision to assets | 0.4621% | 3,216 |
| Net operating income to assets | 0.7359% | 3,109 |
| Return on assets (ROA) | 0.7576% | 3,123 |
| Pretax return on assets | 1.0727% | 2,729 |
| Return on Equity (ROE) | 9.1890% | 2,289 |
| Retained earnings to average equity (ytd only) | 4.9151% | 2,558 |
| Net charge-offs to loans | 0.2887% | 3,751 |
| Credit loss provision to net charge-offs | 175.7732% | 2,609 |
| Earnings coverage of net charge-offs (x) | 5.7216% | 2,775 |
| Efficiency ratio | 64.2742% | 5,857 |
| Assets per employee ($millions) | 4.7501% | 2,398 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,686 |
| Loan loss allowance to noncurrent loans | 192.4984% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 4,605 |
| Noncurrent loans to loans | 0.5647% | 6,136 |
| Net loans and leases to total assets | 90.6242% | 106 |
| Net loans and leases to deposits | 111.7578% | 487 |
| Net loans and leases to core deposits | 130.5838% | 1,516 |
| Total domestic deposits to total assets | 81.0898% | 5,045 |
| Equity capital to assets | 8.0959% | 6,635 |
| Core capital (leverage) ratio | 8.2772% | 5,846 |
| Tier 1 risk-based capital ratio | 9.9391% | 6,995 |
| Total risk-based capital ratio | 11.1660% | 6,950 |
| Memoranda: | ||
| Average total assets | $295,148,000 | 2,286 |
| Average earning assets | $278,846,000 | 2,231 |
| Average equity | $24,333,330 | 2,718 |
| Average total loans | $268,764,000 | 1,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2835% | 1,351 |
| Cost of funding earning assets | 2.2505% | 2,916 |
| Net interest margin | 4.0331% | 2,522 |
| Noninterest income to average assets | 0.3770% | 5,412 |
| Noninterest expense to average assets | 2.6582% | 5,191 |
| Loan and lease loss provision to assets | 0.4967% | 2,490 |
| Net operating income to assets | 0.7240% | 3,446 |
| Return on assets (ROA) | 0.7664% | 3,448 |
| Pretax return on assets | 1.0897% | 3,026 |
| Return on Equity (ROE) | 9.2089% | 2,635 |
| Retained earnings to average equity (ytd only) | 4.9103% | 3,180 |
| Net charge-offs to loans | 0.2486% | 3,161 |
| Credit loss provision to net charge-offs | 220.1220% | 2,052 |
| Earnings coverage of net charge-offs (x) | 6.7622% | 2,445 |
| Efficiency ratio | 63.5317% | 5,776 |
| Assets per employee ($millions) | 4.4132% | 2,860 |
| Cash dividends to net income (ytd only)* | 46.6786% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,512 |
| Loan loss allowance to noncurrent loans | 180.3692% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 4,056 |
| Noncurrent loans to loans | 0.6070% | 5,878 |
| Net loans and leases to total assets | 89.5466% | 160 |
| Net loans and leases to deposits | 105.4481% | 911 |
| Net loans and leases to core deposits | 123.1201% | 2,153 |
| Total domestic deposits to total assets | 84.9201% | 3,245 |
| Equity capital to assets | 8.2554% | 6,457 |
| Core capital (leverage) ratio | 8.3821% | 5,749 |
| Tier 1 risk-based capital ratio | 9.9949% | 6,928 |
| Total risk-based capital ratio | 11.2042% | 6,879 |
| Memoranda: | ||
| Average total assets | $290,719,000 | 2,329 |
| Average earning assets | $274,432,000 | 2,267 |
| Average equity | $24,194,000 | 2,742 |
| Average total loans | $263,880,500 | 1,876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6998% | 2,024 |
| Cost of funding earning assets | 2.8520% | 2,473 |
| Net interest margin | 3.8478% | 3,803 |
| Noninterest income to average assets | 0.5006% | 4,610 |
| Noninterest expense to average assets | 2.7593% | 5,007 |
| Loan and lease loss provision to assets | 0.1216% | 5,806 |
| Net operating income to assets | 0.8653% | 3,149 |
| Return on assets (ROA) | 0.8661% | 2,996 |
| Pretax return on assets | 1.2415% | 2,508 |
| Return on Equity (ROE) | 10.0571% | 2,244 |
| Retained earnings to average equity (ytd only) | 5.7665% | 1,638 |
| Net charge-offs to loans | 0.0390% | 6,245 |
| Credit loss provision to net charge-offs | 346.3158% | 1,303 |
| Earnings coverage of net charge-offs (x) | 38.8000% | 964 |
| Efficiency ratio | 66.9536% | 4,913 |
| Assets per employee ($millions) | 4.2650% | 3,009 |
| Cash dividends to net income (ytd only)* | 42.6621% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,614 |
| Loan loss allowance to noncurrent loans | 107.1317% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 3,292 |
| Noncurrent loans to loans | 0.9813% | 4,633 |
| Net loans and leases to total assets | 90.0498% | 193 |
| Net loans and leases to deposits | 112.4287% | 681 |
| Net loans and leases to core deposits | 138.1006% | 1,366 |
| Total domestic deposits to total assets | 80.0950% | 4,981 |
| Equity capital to assets | 8.3912% | 6,272 |
| Core capital (leverage) ratio | 8.5410% | 5,495 |
| Tier 1 risk-based capital ratio | 10.2473% | 6,470 |
| Total risk-based capital ratio | 11.4175% | 6,414 |
| Memoranda: | ||
| Average total assets | $270,649,600 | 2,377 |
| Average earning assets | $254,662,800 | 2,328 |
| Average equity | $23,307,000 | 2,812 |
| Average total loans | $243,733,000 | 1,945 |