Home > The Fountain Trust Company > Performance and Condition Ratios
The Fountain Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,627 |
| Cost of funding earning assets | 1.4115% | 2,203 |
| Net interest margin | 3.3097% | 2,610 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.4847% | 2,340 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9654% | 2,319 |
| Return on assets (ROA) | 0.8592% | 2,651 |
| Pretax return on assets | 1.0268% | 2,597 |
| Return on Equity (ROE) | 11.9600% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.8148% | 3,340 |
| Net charge-offs to loans | 0.0548% | 1,313 |
| Credit loss provision to net charge-offs | 47.3118% | 2,204 |
| Earnings coverage of net charge-offs (x) | 43.9301% | 1,381 |
| Efficiency ratio | 67.5760% | 2,161 |
| Assets per employee ($millions) | 4.9699% | 3,663 |
| Cash dividends to net income (ytd only)* | 76.4696% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 944 |
| Loan loss allowance to noncurrent loans | 204.0530% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,375 |
| Noncurrent loans to loans | 0.7589% | 1,027 |
| Net loans and leases to total assets | 49.9300% | 3,596 |
| Net loans and leases to deposits | 60.2019% | 3,509 |
| Net loans and leases to core deposits | 62.1616% | 3,672 |
| Total domestic deposits to total assets | 82.9500% | 2,902 |
| Equity capital to assets | 7.7591% | 3,570 |
| Core capital (leverage) ratio | 9.7128% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9791% | 921 |
| Memoranda: | ||
| Average total assets | $700,892,800 | 1,311 |
| Average earning assets | $653,569,800 | 1,299 |
| Average equity | $50,340,200 | 1,600 |
| Average total loans | $339,474,400 | 1,650 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 2,632 |
| Cost of funding earning assets | 1.3688% | 1,954 |
| Net interest margin | 3.2515% | 2,800 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4113% | 2,490 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0151% | 2,322 |
| Return on assets (ROA) | 0.8692% | 2,785 |
| Pretax return on assets | 1.0011% | 2,860 |
| Return on Equity (ROE) | 12.3400% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.8101% | 1,459 |
| Net charge-offs to loans | 0.0115% | 1,979 |
| Credit loss provision to net charge-offs | 275.8621% | 933 |
| Earnings coverage of net charge-offs (x) | 215.7586% | 567 |
| Efficiency ratio | 66.5754% | 2,211 |
| Assets per employee ($millions) | 5.2299% | 3,405 |
| Cash dividends to net income (ytd only)* | 20.5268% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 889 |
| Loan loss allowance to noncurrent loans | 131.2470% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 960 |
| Noncurrent loans to loans | 1.2175% | 639 |
| Net loans and leases to total assets | 49.3800% | 3,662 |
| Net loans and leases to deposits | 61.2036% | 3,447 |
| Net loans and leases to core deposits | 62.8947% | 3,582 |
| Total domestic deposits to total assets | 80.6800% | 3,433 |
| Equity capital to assets | 7.4819% | 3,360 |
| Core capital (leverage) ratio | 9.9131% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1408% | 931 |
| Memoranda: | ||
| Average total assets | $704,653,500 | 1,300 |
| Average earning assets | $657,411,750 | 1,292 |
| Average equity | $49,621,250 | 1,606 |
| Average total loans | $337,377,000 | 1,654 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 2,556 |
| Cost of funding earning assets | 1.2756% | 1,774 |
| Net interest margin | 3.2612% | 2,841 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3929% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0618% | 2,230 |
| Return on assets (ROA) | 0.8370% | 2,978 |
| Pretax return on assets | 0.9329% | 3,090 |
| Return on Equity (ROE) | 12.1300% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.5618% | 1,519 |
| Net charge-offs to loans | -0.0257% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3856% | 2,184 |
| Assets per employee ($millions) | 5.3178% | 3,311 |
| Cash dividends to net income (ytd only)* | 21.1856% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 881 |
| Loan loss allowance to noncurrent loans | 112.6577% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 742 |
| Noncurrent loans to loans | 1.4458% | 473 |
| Net loans and leases to total assets | 47.9900% | 3,692 |
| Net loans and leases to deposits | 62.5342% | 3,274 |
| Net loans and leases to core deposits | 64.3155% | 3,428 |
| Total domestic deposits to total assets | 76.7500% | 3,980 |
| Equity capital to assets | 7.2875% | 3,649 |
| Core capital (leverage) ratio | 9.6842% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0417% | 952 |
| Memoranda: | ||
| Average total assets | $709,421,333 | 1,284 |
| Average earning assets | $663,201,000 | 1,278 |
| Average equity | $48,944,667 | 1,622 |
| Average total loans | $334,356,000 | 1,653 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 2,395 |
| Cost of funding earning assets | 1.2304% | 1,381 |
| Net interest margin | 3.2377% | 3,023 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3822% | 2,577 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0358% | 2,417 |
| Return on assets (ROA) | 0.5951% | 3,669 |
| Pretax return on assets | 0.6650% | 3,732 |
| Return on Equity (ROE) | 8.8700% | 3,086 |
| Retained earnings to average equity (ytd only) | 6.2540% | 2,694 |
| Net charge-offs to loans | -0.0495% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6562% | 2,135 |
| Assets per employee ($millions) | 5.4659% | 3,251 |
| Cash dividends to net income (ytd only)* | 29.4836% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 890 |
| Loan loss allowance to noncurrent loans | 184.2263% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 1,222 |
| Noncurrent loans to loans | 0.9004% | 840 |
| Net loans and leases to total assets | 46.1900% | 3,767 |
| Net loans and leases to deposits | 60.3300% | 3,312 |
| Net loans and leases to core deposits | 61.9705% | 3,448 |
| Total domestic deposits to total assets | 76.5600% | 4,120 |
| Equity capital to assets | 7.0501% | 3,804 |
| Core capital (leverage) ratio | 9.1728% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8691% | 1,011 |
| Memoranda: | ||
| Average total assets | $715,817,000 | 1,291 |
| Average earning assets | $670,351,000 | 1,282 |
| Average equity | $48,033,500 | 1,658 |
| Average total loans | $331,599,000 | 1,682 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 2,386 |
| Cost of funding earning assets | 0.3471% | 2,499 |
| Net interest margin | 3.4107% | 2,224 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.2939% | 2,756 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.0930% | 2,204 |
| Return on assets (ROA) | 1.0950% | 2,139 |
| Pretax return on assets | 1.3197% | 2,018 |
| Return on Equity (ROE) | 13.7900% | 1,578 |
| Retained earnings to average equity (ytd only) | -1.8796% | 4,475 |
| Net charge-offs to loans | 0.1166% | 649 |
| Credit loss provision to net charge-offs | 506.4067% | 672 |
| Earnings coverage of net charge-offs (x) | 29.4262% | 1,696 |
| Efficiency ratio | 58.5601% | 3,257 |
| Assets per employee ($millions) | 5.3811% | 3,336 |
| Cash dividends to net income (ytd only)* | 113.6314% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 850 |
| Loan loss allowance to noncurrent loans | 181.3554% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,228 |
| Noncurrent loans to loans | 0.9182% | 808 |
| Net loans and leases to total assets | 44.9300% | 3,851 |
| Net loans and leases to deposits | 59.3836% | 3,369 |
| Net loans and leases to core deposits | 60.8766% | 3,459 |
| Total domestic deposits to total assets | 75.6600% | 4,276 |
| Equity capital to assets | 6.3754% | 3,951 |
| Core capital (leverage) ratio | 9.0235% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1952% | 953 |
| Memoranda: | ||
| Average total assets | $663,935,200 | 1,351 |
| Average earning assets | $625,416,200 | 1,336 |
| Average equity | $52,724,400 | 1,550 |
| Average total loans | $307,810,800 | 1,687 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 2,734 |
| Cost of funding earning assets | 0.2116% | 3,128 |
| Net interest margin | 3.2534% | 2,445 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3021% | 2,625 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1196% | 2,005 |
| Return on assets (ROA) | 1.1222% | 1,965 |
| Pretax return on assets | 1.3845% | 1,762 |
| Return on Equity (ROE) | 13.4000% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.6808% | 868 |
| Net charge-offs to loans | 0.0071% | 1,889 |
| Credit loss provision to net charge-offs | 3,162.5000% | 174 |
| Earnings coverage of net charge-offs (x) | 452.2500% | 346 |
| Efficiency ratio | 60.2775% | 3,082 |
| Assets per employee ($millions) | 5.4312% | 3,291 |
| Cash dividends to net income (ytd only)* | 12.8200% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,578 |
| Loan loss allowance to noncurrent loans | 182.2437% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 1,557 |
| Noncurrent loans to loans | 0.7738% | 1,047 |
| Net loans and leases to total assets | 44.3700% | 3,852 |
| Net loans and leases to deposits | 57.5177% | 3,377 |
| Net loans and leases to core deposits | 58.7868% | 3,460 |
| Total domestic deposits to total assets | 77.1500% | 4,314 |
| Equity capital to assets | 7.1791% | 3,417 |
| Core capital (leverage) ratio | 10.1359% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9724% | 647 |
| Memoranda: | ||
| Average total assets | $649,652,500 | 1,382 |
| Average earning assets | $613,208,250 | 1,369 |
| Average equity | $54,412,750 | 1,526 |
| Average total loans | $302,402,250 | 1,703 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2314% | 2,949 |
| Cost of funding earning assets | 0.1284% | 3,862 |
| Net interest margin | 3.1030% | 2,529 |
| Noninterest income to average assets | 0.6947% | 1,360 |
| Noninterest expense to average assets | 2.2514% | 2,699 |
| Loan and lease loss provision to assets | 0.0636% | 1,458 |
| Net operating income to assets | 1.0734% | 1,884 |
| Return on assets (ROA) | 1.0778% | 1,843 |
| Pretax return on assets | 1.3235% | 1,668 |
| Return on Equity (ROE) | 12.3214% | 1,573 |
| Retained earnings to average equity (ytd only) | 10.0332% | 1,008 |
| Net charge-offs to loans | -0.0047% | 3,319 |
| Credit loss provision to net charge-offs | -2,857.1429% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4172% | 3,122 |
| Assets per employee ($millions) | 5.1391% | 3,553 |
| Cash dividends to net income (ytd only)* | 18.5710% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,817 |
| Loan loss allowance to noncurrent loans | 169.2523% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,507 |
| Noncurrent loans to loans | 0.8176% | 1,054 |
| Net loans and leases to total assets | 44.8071% | 3,767 |
| Net loans and leases to deposits | 55.8280% | 3,395 |
| Net loans and leases to core deposits | 57.1136% | 3,482 |
| Total domestic deposits to total assets | 80.2591% | 4,204 |
| Equity capital to assets | 8.0735% | 3,066 |
| Core capital (leverage) ratio | 10.8206% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1287% | 698 |
| Memoranda: | ||
| Average total assets | $628,496,000 | 1,435 |
| Average earning assets | $595,163,667 | 1,417 |
| Average equity | $54,977,667 | 1,548 |
| Average total loans | $296,459,333 | 1,720 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 2,860 |
| Cost of funding earning assets | 0.1227% | 3,868 |
| Net interest margin | 3.0153% | 2,456 |
| Noninterest income to average assets | 0.6771% | 1,391 |
| Noninterest expense to average assets | 2.2814% | 2,570 |
| Loan and lease loss provision to assets | 0.0686% | 1,196 |
| Net operating income to assets | 0.9136% | 2,234 |
| Return on assets (ROA) | 0.9219% | 2,186 |
| Pretax return on assets | 1.2077% | 1,785 |
| Return on Equity (ROE) | 10.1067% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.8351% | 1,633 |
| Net charge-offs to loans | 0.0027% | 1,694 |
| Credit loss provision to net charge-offs | 5,200.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 959.0000% | 86 |
| Efficiency ratio | 63.7395% | 3,061 |
| Assets per employee ($millions) | 4.5912% | 4,087 |
| Cash dividends to net income (ytd only)* | 22.4767% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,891 |
| Loan loss allowance to noncurrent loans | 143.1345% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 1,267 |
| Noncurrent loans to loans | 0.9801% | 926 |
| Net loans and leases to total assets | 47.5149% | 3,435 |
| Net loans and leases to deposits | 51.9959% | 3,571 |
| Net loans and leases to core deposits | 53.3168% | 3,646 |
| Total domestic deposits to total assets | 91.3821% | 858 |
| Equity capital to assets | 8.3734% | 3,264 |
| Core capital (leverage) ratio | 9.0380% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7606% | 1,092 |
| Memoranda: | ||
| Average total assets | $606,130,000 | 1,488 |
| Average earning assets | $576,926,500 | 1,455 |
| Average equity | $55,290,000 | 1,590 |
| Average total loans | $291,745,500 | 1,732 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 3,021 |
| Cost of funding earning assets | 0.2223% | 3,228 |
| Net interest margin | 3.1403% | 2,764 |
| Noninterest income to average assets | 0.9859% | 1,028 |
| Noninterest expense to average assets | 2.5891% | 1,900 |
| Loan and lease loss provision to assets | -0.0118% | 4,179 |
| Net operating income to assets | 1.1520% | 2,099 |
| Return on assets (ROA) | 1.2524% | 1,795 |
| Pretax return on assets | 1.5191% | 1,655 |
| Return on Equity (ROE) | 11.9558% | 1,832 |
| Retained earnings to average equity (ytd only) | 6.7932% | 2,004 |
| Net charge-offs to loans | -0.0076% | 3,659 |
| Credit loss provision to net charge-offs | 319.0476% | 1,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5918% | 2,464 |
| Assets per employee ($millions) | 4.5926% | 4,045 |
| Cash dividends to net income (ytd only)* | 43.1812% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,944 |
| Loan loss allowance to noncurrent loans | 125.8518% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 1,232 |
| Noncurrent loans to loans | 1.1061% | 880 |
| Net loans and leases to total assets | 47.4040% | 3,550 |
| Net loans and leases to deposits | 52.7171% | 3,687 |
| Net loans and leases to core deposits | 54.0665% | 3,749 |
| Total domestic deposits to total assets | 89.9215% | 994 |
| Equity capital to assets | 9.8814% | 2,770 |
| Core capital (leverage) ratio | 9.0075% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8223% | 1,084 |
| Memoranda: | ||
| Average total assets | $566,770,000 | 1,522 |
| Average earning assets | $539,279,000 | 1,496 |
| Average equity | $59,368,600 | 1,522 |
| Average total loans | $275,244,400 | 1,814 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4308% | 3,011 |
| Cost of funding earning assets | 0.2415% | 3,196 |
| Net interest margin | 3.1892% | 2,762 |
| Noninterest income to average assets | 1.0737% | 957 |
| Noninterest expense to average assets | 2.6026% | 1,827 |
| Loan and lease loss provision to assets | -0.0260% | 4,375 |
| Net operating income to assets | 1.2174% | 2,108 |
| Return on assets (ROA) | 1.2954% | 1,900 |
| Pretax return on assets | 1.6266% | 1,620 |
| Return on Equity (ROE) | 12.1809% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.8667% | 1,090 |
| Net charge-offs to loans | -0.0088% | 3,623 |
| Credit loss provision to net charge-offs | 605.5556% | 697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8433% | 2,561 |
| Assets per employee ($millions) | 4.6677% | 3,993 |
| Cash dividends to net income (ytd only)* | 10.7894% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,054 |
| Loan loss allowance to noncurrent loans | 127.8010% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 1,408 |
| Noncurrent loans to loans | 1.0899% | 1,035 |
| Net loans and leases to total assets | 48.3005% | 3,603 |
| Net loans and leases to deposits | 54.1732% | 3,725 |
| Net loans and leases to core deposits | 55.6663% | 3,800 |
| Total domestic deposits to total assets | 89.1594% | 1,192 |
| Equity capital to assets | 10.6265% | 2,341 |
| Core capital (leverage) ratio | 9.3602% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4623% | 1,054 |
| Memoranda: | ||
| Average total assets | $558,053,750 | 1,562 |
| Average earning assets | $530,519,750 | 1,534 |
| Average equity | $59,348,250 | 1,548 |
| Average total loans | $271,749,250 | 1,862 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 2,996 |
| Cost of funding earning assets | 0.2612% | 3,174 |
| Net interest margin | 3.2027% | 2,749 |
| Noninterest income to average assets | 1.1733% | 834 |
| Noninterest expense to average assets | 2.6355% | 1,761 |
| Loan and lease loss provision to assets | -0.0597% | 4,546 |
| Net operating income to assets | 1.3114% | 1,830 |
| Return on assets (ROA) | 1.4302% | 1,548 |
| Pretax return on assets | 1.7886% | 1,264 |
| Return on Equity (ROE) | 13.4442% | 1,583 |
| Retained earnings to average equity (ytd only) | 12.9516% | 725 |
| Net charge-offs to loans | -0.0442% | 4,313 |
| Credit loss provision to net charge-offs | 277.9661% | 925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9681% | 2,731 |
| Assets per employee ($millions) | 4.2839% | 4,266 |
| Cash dividends to net income (ytd only)* | 3.6641% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,964 |
| Loan loss allowance to noncurrent loans | 133.5241% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 1,594 |
| Noncurrent loans to loans | 1.0517% | 1,164 |
| Net loans and leases to total assets | 48.1614% | 3,711 |
| Net loans and leases to deposits | 53.8880% | 3,861 |
| Net loans and leases to core deposits | 55.4306% | 3,930 |
| Total domestic deposits to total assets | 89.3731% | 1,096 |
| Equity capital to assets | 10.4367% | 2,453 |
| Core capital (leverage) ratio | 9.4854% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6321% | 1,011 |
| Memoranda: | ||
| Average total assets | $549,583,000 | 1,576 |
| Average earning assets | $522,128,667 | 1,543 |
| Average equity | $58,463,667 | 1,563 |
| Average total loans | $267,066,333 | 1,888 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7094% | 2,336 |
| Cost of funding earning assets | 0.2896% | 3,103 |
| Net interest margin | 3.4198% | 2,058 |
| Noninterest income to average assets | 1.3281% | 739 |
| Noninterest expense to average assets | 2.7227% | 1,564 |
| Loan and lease loss provision to assets | -0.1300% | 4,754 |
| Net operating income to assets | 1.6435% | 1,033 |
| Return on assets (ROA) | 1.6435% | 1,085 |
| Pretax return on assets | 1.9835% | 973 |
| Return on Equity (ROE) | 15.2930% | 1,154 |
| Retained earnings to average equity (ytd only) | 14.7923% | 649 |
| Net charge-offs to loans | -0.1157% | 4,676 |
| Credit loss provision to net charge-offs | 232.0000% | 840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9907% | 3,159 |
| Assets per employee ($millions) | 4.0775% | 4,431 |
| Cash dividends to net income (ytd only)* | 3.2742% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,575 |
| Loan loss allowance to noncurrent loans | 120.0604% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 1,565 |
| Noncurrent loans to loans | 1.2567% | 1,036 |
| Net loans and leases to total assets | 47.8365% | 3,837 |
| Net loans and leases to deposits | 53.6268% | 3,962 |
| Net loans and leases to core deposits | 55.0199% | 4,044 |
| Total domestic deposits to total assets | 89.2026% | 1,238 |
| Equity capital to assets | 10.4877% | 2,283 |
| Core capital (leverage) ratio | 9.6963% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9806% | 929 |
| Memoranda: | ||
| Average total assets | $535,211,500 | 1,597 |
| Average earning assets | $508,330,500 | 1,568 |
| Average equity | $57,516,500 | 1,571 |
| Average total loans | $259,351,000 | 1,918 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 3,358 |
| Cost of funding earning assets | 0.4191% | 3,468 |
| Net interest margin | 3.3614% | 2,896 |
| Noninterest income to average assets | 1.0704% | 930 |
| Noninterest expense to average assets | 3.0033% | 1,430 |
| Loan and lease loss provision to assets | 0.0887% | 3,253 |
| Net operating income to assets | 0.8571% | 2,876 |
| Return on assets (ROA) | 1.0613% | 2,198 |
| Pretax return on assets | 1.3986% | 1,660 |
| Return on Equity (ROE) | 9.0350% | 2,377 |
| Retained earnings to average equity (ytd only) | -0.5304% | 4,596 |
| Net charge-offs to loans | 0.0949% | 1,510 |
| Credit loss provision to net charge-offs | 174.4681% | 2,295 |
| Earnings coverage of net charge-offs (x) | 24.1702% | 1,782 |
| Efficiency ratio | 70.8838% | 1,827 |
| Assets per employee ($millions) | 4.0009% | 4,377 |
| Cash dividends to net income (ytd only)* | 105.8704% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,310 |
| Loan loss allowance to noncurrent loans | 88.6784% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 1,147 |
| Noncurrent loans to loans | 1.7990% | 692 |
| Net loans and leases to total assets | 47.5719% | 4,005 |
| Net loans and leases to deposits | 53.6185% | 4,128 |
| Net loans and leases to core deposits | 55.3782% | 4,187 |
| Total domestic deposits to total assets | 88.7228% | 1,111 |
| Equity capital to assets | 11.0123% | 2,244 |
| Core capital (leverage) ratio | 9.4977% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2929% | 864 |
| Memoranda: | ||
| Average total assets | $462,251,600 | 1,661 |
| Average earning assets | $434,790,400 | 1,639 |
| Average equity | $54,300,200 | 1,574 |
| Average total loans | $247,548,800 | 1,933 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 3,201 |
| Cost of funding earning assets | 0.4441% | 3,557 |
| Net interest margin | 3.4718% | 2,683 |
| Noninterest income to average assets | 1.1700% | 774 |
| Noninterest expense to average assets | 3.1551% | 1,149 |
| Loan and lease loss provision to assets | 0.0897% | 3,193 |
| Net operating income to assets | 0.8736% | 2,798 |
| Return on assets (ROA) | 1.1560% | 1,915 |
| Pretax return on assets | 1.5376% | 1,363 |
| Return on Equity (ROE) | 9.6618% | 2,148 |
| Retained earnings to average equity (ytd only) | -0.1975% | 4,508 |
| Net charge-offs to loans | 0.1276% | 1,117 |
| Credit loss provision to net charge-offs | 127.6596% | 2,457 |
| Earnings coverage of net charge-offs (x) | 18.0681% | 1,975 |
| Efficiency ratio | 71.1930% | 1,728 |
| Assets per employee ($millions) | 3.9054% | 4,402 |
| Cash dividends to net income (ytd only)* | 102.0440% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,460 |
| Loan loss allowance to noncurrent loans | 53.6202% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4923% | 574 |
| Noncurrent loans to loans | 2.7503% | 359 |
| Net loans and leases to total assets | 52.5418% | 3,926 |
| Net loans and leases to deposits | 59.6098% | 4,086 |
| Net loans and leases to core deposits | 61.7116% | 4,128 |
| Total domestic deposits to total assets | 88.1429% | 1,151 |
| Equity capital to assets | 11.4436% | 2,058 |
| Core capital (leverage) ratio | 10.0564% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3604% | 862 |
| Memoranda: | ||
| Average total assets | $445,784,750 | 1,689 |
| Average earning assets | $417,942,250 | 1,680 |
| Average equity | $53,335,750 | 1,584 |
| Average total loans | $245,608,750 | 1,946 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,240 |
| Cost of funding earning assets | 0.4596% | 3,745 |
| Net interest margin | 3.5747% | 2,561 |
| Noninterest income to average assets | 1.1645% | 736 |
| Noninterest expense to average assets | 2.9851% | 1,615 |
| Loan and lease loss provision to assets | 0.1172% | 2,849 |
| Net operating income to assets | 1.0041% | 2,310 |
| Return on assets (ROA) | 1.4468% | 1,114 |
| Pretax return on assets | 1.9641% | 588 |
| Return on Equity (ROE) | 11.8889% | 1,357 |
| Retained earnings to average equity (ytd only) | 11.3340% | 560 |
| Net charge-offs to loans | 0.2186% | 708 |
| Credit loss provision to net charge-offs | 96.1538% | 2,435 |
| Earnings coverage of net charge-offs (x) | 12.4731% | 2,050 |
| Efficiency ratio | 65.7993% | 2,553 |
| Assets per employee ($millions) | 3.8988% | 4,396 |
| Cash dividends to net income (ytd only)* | 4.6677% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,043 |
| Loan loss allowance to noncurrent loans | 58.0409% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 636 |
| Noncurrent loans to loans | 2.7304% | 393 |
| Net loans and leases to total assets | 53.3740% | 3,928 |
| Net loans and leases to deposits | 61.0620% | 4,063 |
| Net loans and leases to core deposits | 62.5497% | 4,153 |
| Total domestic deposits to total assets | 87.4095% | 1,446 |
| Equity capital to assets | 12.2402% | 1,517 |
| Core capital (leverage) ratio | 11.2137% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2342% | 744 |
| Memoranda: | ||
| Average total assets | $426,448,667 | 1,727 |
| Average earning assets | $398,637,000 | 1,716 |
| Average equity | $51,897,000 | 1,612 |
| Average total loans | $237,923,667 | 1,966 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 3,041 |
| Cost of funding earning assets | 0.4878% | 3,996 |
| Net interest margin | 3.7695% | 2,087 |
| Noninterest income to average assets | 0.9150% | 1,042 |
| Noninterest expense to average assets | 3.0662% | 1,731 |
| Loan and lease loss provision to assets | 0.1915% | 1,567 |
| Net operating income to assets | 0.8193% | 2,838 |
| Return on assets (ROA) | 1.3251% | 1,267 |
| Pretax return on assets | 1.8030% | 695 |
| Return on Equity (ROE) | 10.9236% | 1,436 |
| Retained earnings to average equity (ytd only) | 10.9236% | 574 |
| Net charge-offs to loans | 0.3432% | 419 |
| Credit loss provision to net charge-offs | 98.5075% | 1,863 |
| Earnings coverage of net charge-offs (x) | 6.9652% | 1,953 |
| Efficiency ratio | 68.9059% | 2,519 |
| Assets per employee ($millions) | 3.6221% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 947 |
| Loan loss allowance to noncurrent loans | 64.9758% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 773 |
| Noncurrent loans to loans | 2.5442% | 465 |
| Net loans and leases to total assets | 55.1352% | 3,899 |
| Net loans and leases to deposits | 62.9277% | 4,043 |
| Net loans and leases to core deposits | 64.6424% | 4,143 |
| Total domestic deposits to total assets | 87.6167% | 1,265 |
| Equity capital to assets | 11.9575% | 2,100 |
| Core capital (leverage) ratio | 11.4768% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6392% | 681 |
| Memoranda: | ||
| Average total assets | $413,541,500 | 1,728 |
| Average earning assets | $384,565,000 | 1,726 |
| Average equity | $50,166,500 | 1,658 |
| Average total loans | $234,246,500 | 1,968 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,429 |
| Cost of funding earning assets | 0.3741% | 4,527 |
| Net interest margin | 4.2878% | 1,115 |
| Noninterest income to average assets | 1.0229% | 927 |
| Noninterest expense to average assets | 3.2765% | 1,345 |
| Loan and lease loss provision to assets | 0.0444% | 3,122 |
| Net operating income to assets | 1.3179% | 1,625 |
| Return on assets (ROA) | 1.4150% | 1,368 |
| Pretax return on assets | 1.8343% | 867 |
| Return on Equity (ROE) | 11.2002% | 1,812 |
| Retained earnings to average equity (ytd only) | 8.3196% | 885 |
| Net charge-offs to loans | 0.0516% | 2,378 |
| Credit loss provision to net charge-offs | 140.4959% | 1,844 |
| Earnings coverage of net charge-offs (x) | 55.5785% | 1,036 |
| Efficiency ratio | 64.6693% | 2,979 |
| Assets per employee ($millions) | 3.4485% | 4,525 |
| Cash dividends to net income (ytd only)* | 25.7196% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 843 |
| Loan loss allowance to noncurrent loans | 222.1779% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 2,667 |
| Noncurrent loans to loans | 0.7530% | 2,006 |
| Net loans and leases to total assets | 56.2873% | 3,907 |
| Net loans and leases to deposits | 64.4857% | 4,047 |
| Net loans and leases to core deposits | 65.6811% | 4,200 |
| Total domestic deposits to total assets | 87.2865% | 1,461 |
| Equity capital to assets | 12.3100% | 1,946 |
| Core capital (leverage) ratio | 11.6244% | 2,019 |
| Tier 1 risk-based capital ratio | 19.8567% | 1,345 |
| Total risk-based capital ratio | 21.1128% | 1,311 |
| Memoranda: | ||
| Average total assets | $383,026,600 | 1,793 |
| Average earning assets | $358,156,800 | 1,787 |
| Average equity | $48,391,800 | 1,648 |
| Average total loans | $234,685,000 | 1,928 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 2,468 |
| Cost of funding earning assets | 0.3539% | 4,643 |
| Net interest margin | 4.3313% | 1,097 |
| Noninterest income to average assets | 0.9144% | 1,113 |
| Noninterest expense to average assets | 2.9923% | 2,000 |
| Loan and lease loss provision to assets | 0.0651% | 2,593 |
| Net operating income to assets | 1.4706% | 1,273 |
| Return on assets (ROA) | 1.6022% | 967 |
| Pretax return on assets | 2.0700% | 590 |
| Return on Equity (ROE) | 12.5945% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.9941% | 385 |
| Net charge-offs to loans | 0.0726% | 1,789 |
| Credit loss provision to net charge-offs | 143.7500% | 1,692 |
| Earnings coverage of net charge-offs (x) | 43.4928% | 1,293 |
| Efficiency ratio | 59.8617% | 3,675 |
| Assets per employee ($millions) | 3.2992% | 4,669 |
| Cash dividends to net income (ytd only)* | 4.7671% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 866 |
| Loan loss allowance to noncurrent loans | 178.0210% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,305 |
| Noncurrent loans to loans | 0.9386% | 1,714 |
| Net loans and leases to total assets | 59.5158% | 3,723 |
| Net loans and leases to deposits | 68.7666% | 3,859 |
| Net loans and leases to core deposits | 69.5908% | 4,072 |
| Total domestic deposits to total assets | 86.5476% | 1,745 |
| Equity capital to assets | 13.1301% | 1,551 |
| Core capital (leverage) ratio | 12.2081% | 1,727 |
| Tier 1 risk-based capital ratio | 20.5432% | 1,274 |
| Total risk-based capital ratio | 21.7994% | 1,244 |
| Memoranda: | ||
| Average total assets | $377,053,000 | 1,829 |
| Average earning assets | $352,251,750 | 1,823 |
| Average equity | $47,966,750 | 1,662 |
| Average total loans | $235,120,750 | 1,939 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 2,471 |
| Cost of funding earning assets | 0.3344% | 4,726 |
| Net interest margin | 4.3278% | 1,085 |
| Noninterest income to average assets | 0.8854% | 1,106 |
| Noninterest expense to average assets | 2.9952% | 2,022 |
| Loan and lease loss provision to assets | 0.0497% | 2,825 |
| Net operating income to assets | 1.4117% | 1,402 |
| Return on assets (ROA) | 1.4468% | 1,358 |
| Pretax return on assets | 1.9258% | 789 |
| Return on Equity (ROE) | 11.4999% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.8879% | 563 |
| Net charge-offs to loans | 0.0416% | 2,068 |
| Credit loss provision to net charge-offs | 189.7959% | 1,265 |
| Earnings coverage of net charge-offs (x) | 73.7143% | 861 |
| Efficiency ratio | 60.3321% | 3,676 |
| Assets per employee ($millions) | 3.1537% | 4,806 |
| Cash dividends to net income (ytd only)* | 5.3215% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 920 |
| Loan loss allowance to noncurrent loans | 197.9654% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,391 |
| Noncurrent loans to loans | 0.8340% | 1,920 |
| Net loans and leases to total assets | 61.7765% | 3,570 |
| Net loans and leases to deposits | 71.2905% | 3,741 |
| Net loans and leases to core deposits | 72.0015% | 4,003 |
| Total domestic deposits to total assets | 86.6545% | 1,743 |
| Equity capital to assets | 13.0716% | 1,556 |
| Core capital (leverage) ratio | 11.9584% | 1,852 |
| Tier 1 risk-based capital ratio | 19.4192% | 1,454 |
| Total risk-based capital ratio | 20.6749% | 1,421 |
| Memoranda: | ||
| Average total assets | $374,069,000 | 1,854 |
| Average earning assets | $349,273,670 | 1,836 |
| Average equity | $47,061,330 | 1,683 |
| Average total loans | $235,615,000 | 1,937 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 2,415 |
| Cost of funding earning assets | 0.3076% | 4,825 |
| Net interest margin | 4.3328% | 1,036 |
| Noninterest income to average assets | 0.9704% | 876 |
| Noninterest expense to average assets | 2.8512% | 2,412 |
| Loan and lease loss provision to assets | 0.0685% | 2,291 |
| Net operating income to assets | 1.5936% | 910 |
| Return on assets (ROA) | 1.6173% | 897 |
| Pretax return on assets | 2.1239% | 504 |
| Return on Equity (ROE) | 13.1122% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.4870% | 540 |
| Net charge-offs to loans | 0.0458% | 1,622 |
| Credit loss provision to net charge-offs | 237.0370% | 955 |
| Earnings coverage of net charge-offs (x) | 74.7778% | 805 |
| Efficiency ratio | 56.4196% | 4,277 |
| Assets per employee ($millions) | 3.2802% | 4,756 |
| Cash dividends to net income (ytd only)* | 4.7682% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 940 |
| Loan loss allowance to noncurrent loans | 289.1288% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,045 |
| Noncurrent loans to loans | 0.5740% | 2,607 |
| Net loans and leases to total assets | 60.9947% | 3,602 |
| Net loans and leases to deposits | 70.0505% | 3,762 |
| Net loans and leases to core deposits | 70.6098% | 4,045 |
| Total domestic deposits to total assets | 87.0726% | 1,775 |
| Equity capital to assets | 12.4752% | 1,750 |
| Core capital (leverage) ratio | 11.6798% | 2,001 |
| Tier 1 risk-based capital ratio | 18.8377% | 1,580 |
| Total risk-based capital ratio | 20.0934% | 1,541 |
| Memoranda: | ||
| Average total assets | $373,460,000 | 1,862 |
| Average earning assets | $348,507,000 | 1,855 |
| Average equity | $46,064,000 | 1,701 |
| Average total loans | $235,557,000 | 1,955 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 2,243 |
| Cost of funding earning assets | 0.2703% | 4,706 |
| Net interest margin | 4.2962% | 1,168 |
| Noninterest income to average assets | 0.8160% | 1,405 |
| Noninterest expense to average assets | 3.0841% | 1,843 |
| Loan and lease loss provision to assets | 0.0785% | 2,557 |
| Net operating income to assets | 1.3313% | 1,681 |
| Return on assets (ROA) | 1.3313% | 1,670 |
| Pretax return on assets | 1.6414% | 1,337 |
| Return on Equity (ROE) | 11.1979% | 2,006 |
| Retained earnings to average equity (ytd only) | 8.8984% | 902 |
| Net charge-offs to loans | 0.1011% | 1,745 |
| Credit loss provision to net charge-offs | 120.0837% | 2,166 |
| Earnings coverage of net charge-offs (x) | 26.2971% | 1,731 |
| Efficiency ratio | 64.0501% | 3,188 |
| Assets per employee ($millions) | 3.2148% | 4,817 |
| Cash dividends to net income (ytd only)* | 20.5344% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 981 |
| Loan loss allowance to noncurrent loans | 287.8085% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,954 |
| Noncurrent loans to loans | 0.5638% | 2,579 |
| Net loans and leases to total assets | 63.1049% | 3,454 |
| Net loans and leases to deposits | 72.1407% | 3,661 |
| Net loans and leases to core deposits | 72.8967% | 3,926 |
| Total domestic deposits to total assets | 87.4747% | 1,552 |
| Equity capital to assets | 12.1907% | 1,763 |
| Core capital (leverage) ratio | 11.5470% | 2,065 |
| Tier 1 risk-based capital ratio | 18.1229% | 1,724 |
| Total risk-based capital ratio | 19.3781% | 1,681 |
| Memoranda: | ||
| Average total assets | $365,420,600 | 1,854 |
| Average earning assets | $339,204,800 | 1,849 |
| Average equity | $43,445,800 | 1,719 |
| Average total loans | $236,294,400 | 1,908 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 2,124 |
| Cost of funding earning assets | 0.2643% | 4,710 |
| Net interest margin | 4.2864% | 1,146 |
| Noninterest income to average assets | 0.8460% | 1,337 |
| Noninterest expense to average assets | 3.0380% | 1,901 |
| Loan and lease loss provision to assets | 0.0725% | 2,508 |
| Net operating income to assets | 1.3155% | 1,798 |
| Return on assets (ROA) | 1.3155% | 1,802 |
| Pretax return on assets | 1.7115% | 1,254 |
| Return on Equity (ROE) | 11.1366% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.4675% | 775 |
| Net charge-offs to loans | 0.1079% | 1,407 |
| Credit loss provision to net charge-offs | 103.6649% | 2,206 |
| Earnings coverage of net charge-offs (x) | 25.5236% | 1,775 |
| Efficiency ratio | 62.5180% | 3,427 |
| Assets per employee ($millions) | 3.2702% | 4,811 |
| Cash dividends to net income (ytd only)* | 6.0083% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,149 |
| Loan loss allowance to noncurrent loans | 313.8500% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,001 |
| Noncurrent loans to loans | 0.5005% | 2,890 |
| Net loans and leases to total assets | 66.3110% | 3,145 |
| Net loans and leases to deposits | 76.3971% | 3,380 |
| Net loans and leases to core deposits | 77.2923% | 3,712 |
| Total domestic deposits to total assets | 86.7978% | 1,824 |
| Equity capital to assets | 12.2662% | 1,729 |
| Core capital (leverage) ratio | 11.5623% | 2,124 |
| Tier 1 risk-based capital ratio | 17.5979% | 1,898 |
| Total risk-based capital ratio | 18.8526% | 1,859 |
| Memoranda: | ||
| Average total assets | $364,351,000 | 1,865 |
| Average earning assets | $337,961,250 | 1,869 |
| Average equity | $43,040,000 | 1,737 |
| Average total loans | $236,081,500 | 1,915 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,185 |
| Cost of funding earning assets | 0.2586% | 4,708 |
| Net interest margin | 4.2106% | 1,264 |
| Noninterest income to average assets | 0.8565% | 1,299 |
| Noninterest expense to average assets | 3.0178% | 1,998 |
| Loan and lease loss provision to assets | 0.0607% | 2,687 |
| Net operating income to assets | 1.3300% | 1,661 |
| Return on assets (ROA) | 1.3283% | 1,671 |
| Pretax return on assets | 1.6830% | 1,259 |
| Return on Equity (ROE) | 11.3874% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.7126% | 730 |
| Net charge-offs to loans | 0.0949% | 1,398 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 28.7748% | 1,547 |
| Efficiency ratio | 62.8571% | 3,508 |
| Assets per employee ($millions) | 3.2017% | 4,929 |
| Cash dividends to net income (ytd only)* | 5.9259% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,107 |
| Loan loss allowance to noncurrent loans | 241.4231% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,697 |
| Noncurrent loans to loans | 0.6633% | 2,454 |
| Net loans and leases to total assets | 64.5418% | 3,337 |
| Net loans and leases to deposits | 74.0559% | 3,524 |
| Net loans and leases to core deposits | 74.9129% | 3,814 |
| Total domestic deposits to total assets | 87.1527% | 1,773 |
| Equity capital to assets | 11.9738% | 1,872 |
| Core capital (leverage) ratio | 11.1634% | 2,377 |
| Tier 1 risk-based capital ratio | 17.2729% | 2,015 |
| Total risk-based capital ratio | 18.5277% | 1,958 |
| Memoranda: | ||
| Average total assets | $365,894,670 | 1,864 |
| Average earning assets | $339,525,670 | 1,868 |
| Average equity | $42,678,670 | 1,755 |
| Average total loans | $233,995,000 | 1,926 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,301 |
| Cost of funding earning assets | 0.2564% | 4,672 |
| Net interest margin | 4.1118% | 1,411 |
| Noninterest income to average assets | 0.8219% | 1,388 |
| Noninterest expense to average assets | 3.1700% | 1,635 |
| Loan and lease loss provision to assets | 0.0370% | 3,006 |
| Net operating income to assets | 1.1253% | 2,309 |
| Return on assets (ROA) | 1.1219% | 2,345 |
| Pretax return on assets | 1.4285% | 1,906 |
| Return on Equity (ROE) | 9.7455% | 2,565 |
| Retained earnings to average equity (ytd only) | 9.0656% | 1,442 |
| Net charge-offs to loans | 0.0585% | 1,516 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 39.7647% | 1,071 |
| Efficiency ratio | 67.8304% | 2,858 |
| Assets per employee ($millions) | 3.3114% | 4,893 |
| Cash dividends to net income (ytd only)* | 6.9767% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,098 |
| Loan loss allowance to noncurrent loans | 198.2264% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,476 |
| Noncurrent loans to loans | 0.8218% | 2,175 |
| Net loans and leases to total assets | 62.4339% | 3,496 |
| Net loans and leases to deposits | 71.4316% | 3,666 |
| Net loans and leases to core deposits | 72.2407% | 3,932 |
| Total domestic deposits to total assets | 87.4037% | 1,951 |
| Equity capital to assets | 11.5578% | 2,085 |
| Core capital (leverage) ratio | 10.8189% | 2,615 |
| Tier 1 risk-based capital ratio | 17.0708% | 2,096 |
| Total risk-based capital ratio | 18.3258% | 2,046 |
| Memoranda: | ||
| Average total assets | $367,947,500 | 1,865 |
| Average earning assets | $341,648,000 | 1,864 |
| Average equity | $42,358,000 | 1,781 |
| Average total loans | $232,340,000 | 1,945 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,327 |
| Cost of funding earning assets | 0.2488% | 4,579 |
| Net interest margin | 4.0521% | 1,580 |
| Noninterest income to average assets | 0.8236% | 1,485 |
| Noninterest expense to average assets | 3.5855% | 911 |
| Loan and lease loss provision to assets | 0.0618% | 2,988 |
| Net operating income to assets | 0.4012% | 4,687 |
| Return on assets (ROA) | 0.3933% | 4,729 |
| Pretax return on assets | 0.9606% | 3,698 |
| Return on Equity (ROE) | 2.9646% | 4,836 |
| Retained earnings to average equity (ytd only) | -22.5539% | 5,627 |
| Net charge-offs to loans | 0.0893% | 2,197 |
| Credit loss provision to net charge-offs | 114.2857% | 2,292 |
| Earnings coverage of net charge-offs (x) | 19.1257% | 2,036 |
| Efficiency ratio | 77.6031% | 1,410 |
| Assets per employee ($millions) | 3.2018% | 5,030 |
| Cash dividends to net income (ytd only)* | 860.7704% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 1,051 |
| Loan loss allowance to noncurrent loans | 187.6543% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,332 |
| Noncurrent loans to loans | 0.8751% | 2,034 |
| Net loans and leases to total assets | 61.8130% | 3,647 |
| Net loans and leases to deposits | 70.6622% | 3,819 |
| Net loans and leases to core deposits | 71.4587% | 4,086 |
| Total domestic deposits to total assets | 87.4768% | 1,776 |
| Equity capital to assets | 11.4344% | 2,248 |
| Core capital (leverage) ratio | 10.6574% | 2,692 |
| Tier 1 risk-based capital ratio | 16.7054% | 2,197 |
| Total risk-based capital ratio | 17.9603% | 2,142 |
| Memoranda: | ||
| Average total assets | $323,441,200 | 2,047 |
| Average earning assets | $303,053,600 | 2,028 |
| Average equity | $42,906,200 | 1,735 |
| Average total loans | $195,885,000 | 2,193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,541 |
| Cost of funding earning assets | 0.2377% | 4,672 |
| Net interest margin | 3.9830% | 1,771 |
| Noninterest income to average assets | 0.8365% | 1,457 |
| Noninterest expense to average assets | 3.7076% | 763 |
| Loan and lease loss provision to assets | 0.0611% | 2,855 |
| Net operating income to assets | 0.5518% | 4,568 |
| Return on assets (ROA) | 0.5401% | 4,645 |
| Pretax return on assets | 0.7929% | 4,370 |
| Return on Equity (ROE) | 3.9126% | 4,879 |
| Retained earnings to average equity (ytd only) | -28.6132% | 5,703 |
| Net charge-offs to loans | 0.0841% | 1,962 |
| Credit loss provision to net charge-offs | 121.1864% | 1,994 |
| Earnings coverage of net charge-offs (x) | 17.2881% | 2,107 |
| Efficiency ratio | 80.9755% | 1,000 |
| Assets per employee ($millions) | 3.2015% | 5,062 |
| Cash dividends to net income (ytd only)* | 831.3064% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 1,078 |
| Loan loss allowance to noncurrent loans | 164.7875% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 2,245 |
| Noncurrent loans to loans | 1.0164% | 1,913 |
| Net loans and leases to total assets | 61.6619% | 3,690 |
| Net loans and leases to deposits | 71.3617% | 3,840 |
| Net loans and leases to core deposits | 72.2490% | 4,111 |
| Total domestic deposits to total assets | 86.4075% | 2,128 |
| Equity capital to assets | 11.8696% | 2,058 |
| Core capital (leverage) ratio | 10.6793% | 2,790 |
| Tier 1 risk-based capital ratio | 16.8482% | 2,202 |
| Total risk-based capital ratio | 18.1035% | 2,158 |
| Memoranda: | ||
| Average total assets | $312,250,500 | 2,117 |
| Average earning assets | $293,372,000 | 2,090 |
| Average equity | $43,107,250 | 1,738 |
| Average total loans | $187,006,750 | 2,281 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,848 |
| Cost of funding earning assets | 0.2175% | 4,818 |
| Net interest margin | 3.8767% | 2,013 |
| Noninterest income to average assets | 0.8142% | 1,522 |
| Noninterest expense to average assets | 2.7720% | 2,853 |
| Loan and lease loss provision to assets | 0.0886% | 2,210 |
| Net operating income to assets | 1.1050% | 1,949 |
| Return on assets (ROA) | 1.1050% | 1,998 |
| Pretax return on assets | 1.6176% | 1,290 |
| Return on Equity (ROE) | 7.5713% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.9041% | 1,639 |
| Net charge-offs to loans | 0.1220% | 1,431 |
| Credit loss provision to net charge-offs | 123.5849% | 1,750 |
| Earnings coverage of net charge-offs (x) | 23.8019% | 1,664 |
| Efficiency ratio | 61.8997% | 4,003 |
| Assets per employee ($millions) | 3.1833% | 5,117 |
| Cash dividends to net income (ytd only)* | 8.8127% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 450 |
| Loan loss allowance to noncurrent loans | 167.8445% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 2,036 |
| Noncurrent loans to loans | 1.2958% | 1,483 |
| Net loans and leases to total assets | 57.1209% | 4,113 |
| Net loans and leases to deposits | 67.4569% | 4,112 |
| Net loans and leases to core deposits | 68.0708% | 4,345 |
| Total domestic deposits to total assets | 84.6777% | 2,948 |
| Equity capital to assets | 14.8351% | 730 |
| Core capital (leverage) ratio | 14.6257% | 712 |
| Tier 1 risk-based capital ratio | 24.1430% | 839 |
| Total risk-based capital ratio | 25.4038% | 812 |
| Memoranda: | ||
| Average total assets | $295,745,670 | 2,215 |
| Average earning assets | $279,512,670 | 2,175 |
| Average equity | $43,163,000 | 1,735 |
| Average total loans | $173,718,670 | 2,408 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 2,913 |
| Cost of funding earning assets | 0.2159% | 4,837 |
| Net interest margin | 3.8200% | 2,041 |
| Noninterest income to average assets | 0.7673% | 1,678 |
| Noninterest expense to average assets | 2.6898% | 3,182 |
| Loan and lease loss provision to assets | 0.1646% | 1,093 |
| Net operating income to assets | 1.1592% | 1,630 |
| Return on assets (ROA) | 1.1592% | 1,669 |
| Pretax return on assets | 1.5238% | 1,460 |
| Return on Equity (ROE) | 8.0096% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.3327% | 1,726 |
| Net charge-offs to loans | 0.2794% | 649 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 10.2562% | 1,949 |
| Efficiency ratio | 61.4357% | 4,237 |
| Assets per employee ($millions) | 3.1498% | 5,223 |
| Cash dividends to net income (ytd only)* | 8.4507% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 489 |
| Loan loss allowance to noncurrent loans | 204.4962% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 2,460 |
| Noncurrent loans to loans | 1.0663% | 1,924 |
| Net loans and leases to total assets | 57.1951% | 4,046 |
| Net loans and leases to deposits | 67.3387% | 4,059 |
| Net loans and leases to core deposits | 67.9684% | 4,300 |
| Total domestic deposits to total assets | 84.9364% | 3,114 |
| Equity capital to assets | 14.5509% | 741 |
| Core capital (leverage) ratio | 14.4368% | 733 |
| Tier 1 risk-based capital ratio | 24.1257% | 854 |
| Total risk-based capital ratio | 25.3865% | 837 |
| Memoranda: | ||
| Average total assets | $294,003,500 | 2,240 |
| Average earning assets | $277,904,000 | 2,201 |
| Average equity | $42,549,000 | 1,755 |
| Average total loans | $173,216,500 | 2,425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,665 |
| Cost of funding earning assets | 0.2253% | 4,782 |
| Net interest margin | 3.9228% | 1,885 |
| Noninterest income to average assets | 0.8227% | 1,668 |
| Noninterest expense to average assets | 2.9723% | 2,430 |
| Loan and lease loss provision to assets | 0.0714% | 2,932 |
| Net operating income to assets | 0.9846% | 2,417 |
| Return on assets (ROA) | 1.0055% | 2,432 |
| Pretax return on assets | 1.5212% | 1,524 |
| Return on Equity (ROE) | 6.8936% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.3444% | 2,104 |
| Net charge-offs to loans | 0.0763% | 2,607 |
| Credit loss provision to net charge-offs | 157.6923% | 1,746 |
| Earnings coverage of net charge-offs (x) | 34.4846% | 1,314 |
| Efficiency ratio | 64.9386% | 3,772 |
| Assets per employee ($millions) | 3.1389% | 5,230 |
| Cash dividends to net income (ytd only)* | 22.4723% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 479 |
| Loan loss allowance to noncurrent loans | 169.1308% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,160 |
| Noncurrent loans to loans | 1.2879% | 1,587 |
| Net loans and leases to total assets | 58.0761% | 4,059 |
| Net loans and leases to deposits | 68.2228% | 4,068 |
| Net loans and leases to core deposits | 68.9323% | 4,326 |
| Total domestic deposits to total assets | 85.1272% | 2,990 |
| Equity capital to assets | 14.3925% | 767 |
| Core capital (leverage) ratio | 14.3589% | 727 |
| Tier 1 risk-based capital ratio | 23.6464% | 900 |
| Total risk-based capital ratio | 24.9073% | 886 |
| Memoranda: | ||
| Average total assets | $287,216,800 | 2,238 |
| Average earning assets | $271,671,600 | 2,201 |
| Average equity | $41,894,000 | 1,768 |
| Average total loans | $170,327,800 | 2,413 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 2,666 |
| Cost of funding earning assets | 0.2261% | 4,825 |
| Net interest margin | 3.9282% | 1,884 |
| Noninterest income to average assets | 0.8325% | 1,637 |
| Noninterest expense to average assets | 2.9207% | 2,573 |
| Loan and lease loss provision to assets | 0.0746% | 2,729 |
| Net operating income to assets | 1.0418% | 2,238 |
| Return on assets (ROA) | 1.0702% | 2,232 |
| Pretax return on assets | 1.5969% | 1,385 |
| Return on Equity (ROE) | 7.3124% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.6245% | 1,836 |
| Net charge-offs to loans | 0.0668% | 2,374 |
| Credit loss provision to net charge-offs | 188.2353% | 1,494 |
| Earnings coverage of net charge-offs (x) | 41.1178% | 1,215 |
| Efficiency ratio | 63.5693% | 3,990 |
| Assets per employee ($millions) | 3.0195% | 5,375 |
| Cash dividends to net income (ytd only)* | 9.4076% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1309% | 572 |
| Loan loss allowance to noncurrent loans | 126.8481% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 1,713 |
| Noncurrent loans to loans | 1.6799% | 1,257 |
| Net loans and leases to total assets | 59.8132% | 3,903 |
| Net loans and leases to deposits | 71.8445% | 3,824 |
| Net loans and leases to core deposits | 72.6285% | 4,112 |
| Total domestic deposits to total assets | 83.2538% | 3,497 |
| Equity capital to assets | 14.8523% | 772 |
| Core capital (leverage) ratio | 14.5358% | 716 |
| Tier 1 risk-based capital ratio | 23.1879% | 983 |
| Total risk-based capital ratio | 24.4487% | 964 |
| Memoranda: | ||
| Average total assets | $286,040,500 | 2,249 |
| Average earning assets | $270,685,250 | 2,212 |
| Average equity | $41,863,750 | 1,776 |
| Average total loans | $169,581,750 | 2,424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,796 |
| Cost of funding earning assets | 0.2242% | 4,895 |
| Net interest margin | 3.8923% | 2,004 |
| Noninterest income to average assets | 0.8070% | 1,682 |
| Noninterest expense to average assets | 2.8733% | 2,762 |
| Loan and lease loss provision to assets | 0.0155% | 3,802 |
| Net operating income to assets | 1.0535% | 2,155 |
| Return on assets (ROA) | 1.0956% | 2,096 |
| Pretax return on assets | 1.6652% | 1,184 |
| Return on Equity (ROE) | 7.5240% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.8295% | 1,703 |
| Net charge-offs to loans | 0.0263% | 2,953 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 104.6364% | 551 |
| Efficiency ratio | 63.3505% | 4,129 |
| Assets per employee ($millions) | 3.0404% | 5,378 |
| Cash dividends to net income (ytd only)* | 9.2308% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1221% | 605 |
| Loan loss allowance to noncurrent loans | 92.3615% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 1,231 |
| Noncurrent loans to loans | 2.2976% | 794 |
| Net loans and leases to total assets | 59.7135% | 3,920 |
| Net loans and leases to deposits | 71.1507% | 3,868 |
| Net loans and leases to core deposits | 71.7450% | 4,200 |
| Total domestic deposits to total assets | 83.9254% | 3,296 |
| Equity capital to assets | 14.9024% | 752 |
| Core capital (leverage) ratio | 14.3233% | 740 |
| Tier 1 risk-based capital ratio | 22.8254% | 1,033 |
| Total risk-based capital ratio | 24.0857% | 1,017 |
| Memoranda: | ||
| Average total assets | $284,762,670 | 2,266 |
| Average earning assets | $269,453,330 | 2,235 |
| Average equity | $41,467,330 | 1,788 |
| Average total loans | $167,056,330 | 2,450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,917 |
| Cost of funding earning assets | 0.2186% | 5,020 |
| Net interest margin | 3.8635% | 2,057 |
| Noninterest income to average assets | 0.7571% | 1,790 |
| Noninterest expense to average assets | 2.8384% | 2,925 |
| Loan and lease loss provision to assets | 0.0084% | 3,576 |
| Net operating income to assets | 1.0179% | 2,198 |
| Return on assets (ROA) | 1.0737% | 2,109 |
| Pretax return on assets | 1.6521% | 1,176 |
| Return on Equity (ROE) | 7.4610% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.7570% | 2,005 |
| Net charge-offs to loans | 0.0147% | 2,648 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 324 |
| Efficiency ratio | 63.6798% | 4,174 |
| Assets per employee ($millions) | 3.0488% | 5,458 |
| Cash dividends to net income (ytd only)* | 9.4364% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 550 |
| Loan loss allowance to noncurrent loans | 186.4919% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 2,620 |
| Noncurrent loans to loans | 1.2074% | 2,012 |
| Net loans and leases to total assets | 56.0443% | 4,252 |
| Net loans and leases to deposits | 65.9522% | 4,263 |
| Net loans and leases to core deposits | 66.4109% | 4,510 |
| Total domestic deposits to total assets | 84.9772% | 3,140 |
| Equity capital to assets | 14.4436% | 844 |
| Core capital (leverage) ratio | 14.2309% | 750 |
| Tier 1 risk-based capital ratio | 23.6113% | 955 |
| Total risk-based capital ratio | 24.8726% | 947 |
| Memoranda: | ||
| Average total assets | $284,247,500 | 2,283 |
| Average earning assets | $268,979,000 | 2,251 |
| Average equity | $40,906,000 | 1,810 |
| Average total loans | $163,406,000 | 2,489 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,923 |
| Cost of funding earning assets | 0.2494% | 4,792 |
| Net interest margin | 3.8495% | 2,200 |
| Noninterest income to average assets | 0.7915% | 1,822 |
| Noninterest expense to average assets | 2.8302% | 3,104 |
| Loan and lease loss provision to assets | 0.1691% | 1,354 |
| Net operating income to assets | 1.0256% | 2,234 |
| Return on assets (ROA) | 1.0557% | 2,188 |
| Pretax return on assets | 1.4832% | 1,611 |
| Return on Equity (ROE) | 7.4908% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.1958% | 1,706 |
| Net charge-offs to loans | -0.0525% | 5,570 |
| Credit loss provision to net charge-offs | -570.7317% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7392% | 4,322 |
| Assets per employee ($millions) | 2.9365% | 5,577 |
| Cash dividends to net income (ytd only)* | 17.2886% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 535 |
| Loan loss allowance to noncurrent loans | 207.5154% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 2,688 |
| Noncurrent loans to loans | 1.0973% | 2,146 |
| Net loans and leases to total assets | 56.3291% | 4,269 |
| Net loans and leases to deposits | 66.0695% | 4,312 |
| Net loans and leases to core deposits | 66.4641% | 4,553 |
| Total domestic deposits to total assets | 85.2574% | 2,967 |
| Equity capital to assets | 14.3375% | 820 |
| Core capital (leverage) ratio | 14.0204% | 810 |
| Tier 1 risk-based capital ratio | 23.3462% | 973 |
| Total risk-based capital ratio | 24.6082% | 960 |
| Memoranda: | ||
| Average total assets | $276,696,200 | 2,296 |
| Average earning assets | $262,264,600 | 2,251 |
| Average equity | $38,994,400 | 1,846 |
| Average total loans | $156,196,800 | 2,513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,219 |
| Cost of funding earning assets | 0.2577% | 4,790 |
| Net interest margin | 3.7710% | 2,489 |
| Noninterest income to average assets | 0.7867% | 1,846 |
| Noninterest expense to average assets | 2.8879% | 2,889 |
| Loan and lease loss provision to assets | 0.1389% | 1,598 |
| Net operating income to assets | 0.9133% | 2,899 |
| Return on assets (ROA) | 0.9518% | 2,798 |
| Pretax return on assets | 1.3938% | 2,041 |
| Return on Equity (ROE) | 6.7841% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.0387% | 2,221 |
| Net charge-offs to loans | 0.1181% | 1,938 |
| Credit loss provision to net charge-offs | 209.4891% | 1,293 |
| Earnings coverage of net charge-offs (x) | 22.2557% | 1,786 |
| Efficiency ratio | 66.1748% | 3,868 |
| Assets per employee ($millions) | 2.8900% | 5,665 |
| Cash dividends to net income (ytd only)* | 10.9867% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 866 |
| Loan loss allowance to noncurrent loans | 127.8079% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 2,141 |
| Noncurrent loans to loans | 1.5933% | 1,556 |
| Net loans and leases to total assets | 57.8244% | 4,165 |
| Net loans and leases to deposits | 68.2246% | 4,172 |
| Net loans and leases to core deposits | 68.6444% | 4,486 |
| Total domestic deposits to total assets | 84.7559% | 3,105 |
| Equity capital to assets | 14.4617% | 872 |
| Core capital (leverage) ratio | 14.0137% | 862 |
| Tier 1 risk-based capital ratio | 23.0228% | 1,049 |
| Total risk-based capital ratio | 24.2817% | 1,030 |
| Memoranda: | ||
| Average total assets | $275,394,250 | 2,321 |
| Average earning assets | $261,251,750 | 2,271 |
| Average equity | $38,638,500 | 1,877 |
| Average total loans | $154,622,500 | 2,548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,563 |
| Cost of funding earning assets | 0.2612% | 4,817 |
| Net interest margin | 3.6714% | 2,831 |
| Noninterest income to average assets | 0.7763% | 1,892 |
| Noninterest expense to average assets | 2.9440% | 2,734 |
| Loan and lease loss provision to assets | 0.1966% | 1,008 |
| Net operating income to assets | 0.7803% | 3,484 |
| Return on assets (ROA) | 0.8372% | 3,300 |
| Pretax return on assets | 1.2043% | 2,762 |
| Return on Equity (ROE) | 6.0288% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.2765% | 2,692 |
| Net charge-offs to loans | 0.2248% | 1,139 |
| Credit loss provision to net charge-offs | 158.4795% | 1,476 |
| Earnings coverage of net charge-offs (x) | 10.6374% | 2,347 |
| Efficiency ratio | 69.0488% | 3,484 |
| Assets per employee ($millions) | 2.7154% | 5,901 |
| Cash dividends to net income (ytd only)* | 12.4783% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 930 |
| Loan loss allowance to noncurrent loans | 139.3654% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 2,488 |
| Noncurrent loans to loans | 1.4608% | 1,814 |
| Net loans and leases to total assets | 56.4622% | 4,289 |
| Net loans and leases to deposits | 66.3821% | 4,302 |
| Net loans and leases to core deposits | 66.9628% | 4,576 |
| Total domestic deposits to total assets | 85.0563% | 3,098 |
| Equity capital to assets | 13.9483% | 994 |
| Core capital (leverage) ratio | 13.7846% | 908 |
| Tier 1 risk-based capital ratio | 22.9670% | 1,090 |
| Total risk-based capital ratio | 24.2261% | 1,061 |
| Memoranda: | ||
| Average total assets | $275,675,000 | 2,332 |
| Average earning assets | $261,862,330 | 2,284 |
| Average equity | $38,283,000 | 1,902 |
| Average total loans | $152,144,000 | 2,592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 3,758 |
| Cost of funding earning assets | 0.2666% | 4,834 |
| Net interest margin | 3.6000% | 3,004 |
| Noninterest income to average assets | 0.7214% | 2,057 |
| Noninterest expense to average assets | 2.9219% | 2,830 |
| Loan and lease loss provision to assets | 0.1367% | 1,509 |
| Net operating income to assets | 0.7442% | 3,571 |
| Return on assets (ROA) | 0.8566% | 3,097 |
| Pretax return on assets | 1.2435% | 2,499 |
| Return on Equity (ROE) | 6.1824% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,820 |
| Net charge-offs to loans | 0.1186% | 1,565 |
| Credit loss provision to net charge-offs | 213.6364% | 1,012 |
| Earnings coverage of net charge-offs (x) | 19.0227% | 1,462 |
| Efficiency ratio | 70.5903% | 3,380 |
| Assets per employee ($millions) | 2.6041% | 6,046 |
| Cash dividends to net income (ytd only)* | 12.2241% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1539% | 853 |
| Loan loss allowance to noncurrent loans | 208.6050% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 3,251 |
| Noncurrent loans to loans | 1.0325% | 2,705 |
| Net loans and leases to total assets | 52.6630% | 4,593 |
| Net loans and leases to deposits | 61.6573% | 4,606 |
| Net loans and leases to core deposits | 62.1952% | 4,826 |
| Total domestic deposits to total assets | 85.4125% | 3,214 |
| Equity capital to assets | 13.9238% | 1,010 |
| Core capital (leverage) ratio | 13.5533% | 956 |
| Tier 1 risk-based capital ratio | 24.3466% | 955 |
| Total risk-based capital ratio | 25.6064% | 933 |
| Memoranda: | ||
| Average total assets | $275,026,000 | 2,350 |
| Average earning assets | $261,107,500 | 2,304 |
| Average equity | $38,108,000 | 1,922 |
| Average total loans | $148,398,500 | 2,643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,599 |
| Cost of funding earning assets | 0.3186% | 4,600 |
| Net interest margin | 3.7119% | 2,966 |
| Noninterest income to average assets | 0.7412% | 2,119 |
| Noninterest expense to average assets | 2.8715% | 3,237 |
| Loan and lease loss provision to assets | 0.1769% | 1,458 |
| Net operating income to assets | 0.8299% | 3,223 |
| Return on assets (ROA) | 0.8912% | 3,003 |
| Pretax return on assets | 1.3074% | 2,217 |
| Return on Equity (ROE) | 6.6953% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.3175% | 2,395 |
| Net charge-offs to loans | 0.4298% | 987 |
| Credit loss provision to net charge-offs | 76.4521% | 2,940 |
| Earnings coverage of net charge-offs (x) | 6.0267% | 3,288 |
| Efficiency ratio | 67.3165% | 4,012 |
| Assets per employee ($millions) | 2.5372% | 6,137 |
| Cash dividends to net income (ytd only)* | 20.5786% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 910 |
| Loan loss allowance to noncurrent loans | 206.6929% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 3,230 |
| Noncurrent loans to loans | 1.0282% | 2,771 |
| Net loans and leases to total assets | 52.9451% | 4,694 |
| Net loans and leases to deposits | 61.6119% | 4,756 |
| Net loans and leases to core deposits | 62.1493% | 4,990 |
| Total domestic deposits to total assets | 85.9332% | 2,881 |
| Equity capital to assets | 13.7880% | 1,035 |
| Core capital (leverage) ratio | 13.5910% | 946 |
| Tier 1 risk-based capital ratio | 24.0602% | 947 |
| Total risk-based capital ratio | 25.3200% | 926 |
| Memoranda: | ||
| Average total assets | $275,361,800 | 2,318 |
| Average earning assets | $261,459,400 | 2,263 |
| Average equity | $36,652,600 | 1,919 |
| Average total loans | $148,201,800 | 2,599 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,658 |
| Cost of funding earning assets | 0.3304% | 4,557 |
| Net interest margin | 3.6957% | 3,039 |
| Noninterest income to average assets | 0.7307% | 2,183 |
| Noninterest expense to average assets | 2.8364% | 3,328 |
| Loan and lease loss provision to assets | 0.2147% | 1,069 |
| Net operating income to assets | 0.8462% | 3,198 |
| Return on assets (ROA) | 0.8555% | 3,245 |
| Pretax return on assets | 1.2032% | 2,768 |
| Return on Equity (ROE) | 6.4850% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.6931% | 2,613 |
| Net charge-offs to loans | 0.5794% | 643 |
| Credit loss provision to net charge-offs | 68.9441% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.5108% | 3,440 |
| Efficiency ratio | 66.8757% | 4,065 |
| Assets per employee ($millions) | 2.4952% | 6,231 |
| Cash dividends to net income (ytd only)* | 12.2102% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0899% | 1,101 |
| Loan loss allowance to noncurrent loans | 151.8119% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 2,885 |
| Noncurrent loans to loans | 1.3766% | 2,354 |
| Net loans and leases to total assets | 54.3972% | 4,528 |
| Net loans and leases to deposits | 63.5706% | 4,590 |
| Net loans and leases to core deposits | 64.1411% | 4,870 |
| Total domestic deposits to total assets | 85.5698% | 3,084 |
| Equity capital to assets | 13.9860% | 1,014 |
| Core capital (leverage) ratio | 13.3914% | 1,034 |
| Tier 1 risk-based capital ratio | 23.9110% | 998 |
| Total risk-based capital ratio | 25.1706% | 975 |
| Memoranda: | ||
| Average total assets | $275,698,750 | 2,327 |
| Average earning assets | $261,886,000 | 2,274 |
| Average equity | $36,370,500 | 1,942 |
| Average total loans | $148,195,500 | 2,610 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 3,800 |
| Cost of funding earning assets | 0.3427% | 4,510 |
| Net interest margin | 3.6400% | 3,189 |
| Noninterest income to average assets | 0.7006% | 2,276 |
| Noninterest expense to average assets | 2.7774% | 3,584 |
| Loan and lease loss provision to assets | 0.2599% | 817 |
| Net operating income to assets | 0.8215% | 3,227 |
| Return on assets (ROA) | 0.8356% | 3,241 |
| Pretax return on assets | 1.1443% | 2,907 |
| Return on Equity (ROE) | 6.4582% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.6593% | 2,533 |
| Net charge-offs to loans | 0.8599% | 435 |
| Credit loss provision to net charge-offs | 56.8289% | 2,687 |
| Earnings coverage of net charge-offs (x) | 3.0283% | 3,408 |
| Efficiency ratio | 66.7299% | 4,237 |
| Assets per employee ($millions) | 2.5599% | 6,248 |
| Cash dividends to net income (ytd only)* | 12.3711% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 1,318 |
| Loan loss allowance to noncurrent loans | 155.2875% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 3,025 |
| Noncurrent loans to loans | 1.3033% | 2,634 |
| Net loans and leases to total assets | 52.9687% | 4,647 |
| Net loans and leases to deposits | 61.2124% | 4,756 |
| Net loans and leases to core deposits | 61.8063% | 4,986 |
| Total domestic deposits to total assets | 86.5327% | 2,741 |
| Equity capital to assets | 13.3049% | 1,227 |
| Core capital (leverage) ratio | 13.0430% | 1,141 |
| Tier 1 risk-based capital ratio | 19.8805% | 1,713 |
| Total risk-based capital ratio | 21.1103% | 1,686 |
| Memoranda: | ||
| Average total assets | $278,602,330 | 2,305 |
| Average earning assets | $264,948,000 | 2,245 |
| Average equity | $36,047,000 | 1,950 |
| Average total loans | $148,149,330 | 2,605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,977 |
| Cost of funding earning assets | 0.3577% | 4,462 |
| Net interest margin | 3.5699% | 3,393 |
| Noninterest income to average assets | 0.6722% | 2,335 |
| Noninterest expense to average assets | 2.6331% | 4,169 |
| Loan and lease loss provision to assets | 0.3704% | 459 |
| Net operating income to assets | 0.7294% | 3,548 |
| Return on assets (ROA) | 0.7294% | 3,627 |
| Pretax return on assets | 1.0655% | 3,059 |
| Return on Equity (ROE) | 5.7177% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.9105% | 3,165 |
| Net charge-offs to loans | 1.7872% | 157 |
| Credit loss provision to net charge-offs | 39.3020% | 2,303 |
| Earnings coverage of net charge-offs (x) | 1.5235% | 3,077 |
| Efficiency ratio | 64.7100% | 4,741 |
| Assets per employee ($millions) | 2.6002% | 6,291 |
| Cash dividends to net income (ytd only)* | 14.1176% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 1,565 |
| Loan loss allowance to noncurrent loans | 112.3160% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 2,902 |
| Noncurrent loans to loans | 1.7578% | 2,199 |
| Net loans and leases to total assets | 51.2731% | 4,756 |
| Net loans and leases to deposits | 58.9772% | 4,844 |
| Net loans and leases to core deposits | 59.4626% | 5,089 |
| Total domestic deposits to total assets | 86.9371% | 2,853 |
| Equity capital to assets | 12.8133% | 1,394 |
| Core capital (leverage) ratio | 12.7339% | 1,282 |
| Tier 1 risk-based capital ratio | 24.1777% | 975 |
| Total risk-based capital ratio | 25.4369% | 959 |
| Memoranda: | ||
| Average total assets | $279,669,000 | 2,305 |
| Average earning assets | $266,115,000 | 2,244 |
| Average equity | $35,678,500 | 1,958 |
| Average total loans | $147,490,500 | 2,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 4,270 |
| Cost of funding earning assets | 0.3940% | 4,718 |
| Net interest margin | 3.5591% | 3,640 |
| Noninterest income to average assets | 0.7029% | 2,525 |
| Noninterest expense to average assets | 2.6574% | 4,251 |
| Loan and lease loss provision to assets | 0.2420% | 1,491 |
| Net operating income to assets | 0.8097% | 3,243 |
| Return on assets (ROA) | 0.7294% | 3,747 |
| Pretax return on assets | 1.0696% | 3,074 |
| Return on Equity (ROE) | 5.7520% | 4,242 |
| Retained earnings to average equity (ytd only) | 4.5147% | 2,964 |
| Net charge-offs to loans | 0.1310% | 3,500 |
| Credit loss provision to net charge-offs | 346.1140% | 656 |
| Earnings coverage of net charge-offs (x) | 20.4456% | 1,548 |
| Efficiency ratio | 65.0177% | 4,724 |
| Assets per employee ($millions) | 2.6275% | 6,292 |
| Cash dividends to net income (ytd only)* | 21.5102% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2283% | 1,139 |
| Loan loss allowance to noncurrent loans | 121.9963% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 2,906 |
| Noncurrent loans to loans | 1.8265% | 2,202 |
| Net loans and leases to total assets | 51.9880% | 4,848 |
| Net loans and leases to deposits | 59.6968% | 4,965 |
| Net loans and leases to core deposits | 60.2548% | 5,205 |
| Total domestic deposits to total assets | 87.0867% | 2,679 |
| Equity capital to assets | 12.7011% | 1,422 |
| Core capital (leverage) ratio | 12.6525% | 1,281 |
| Tier 1 risk-based capital ratio | 23.6410% | 997 |
| Total risk-based capital ratio | 24.9033% | 980 |
| Memoranda: | ||
| Average total assets | $275,983,200 | 2,306 |
| Average earning assets | $262,426,600 | 2,234 |
| Average equity | $34,996,600 | 1,974 |
| Average total loans | $147,316,600 | 2,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,404 |
| Cost of funding earning assets | 0.4006% | 4,815 |
| Net interest margin | 3.5255% | 3,772 |
| Noninterest income to average assets | 0.7467% | 2,378 |
| Noninterest expense to average assets | 2.6250% | 4,305 |
| Loan and lease loss provision to assets | 0.2857% | 1,207 |
| Net operating income to assets | 0.8325% | 3,178 |
| Return on assets (ROA) | 0.7220% | 3,874 |
| Pretax return on assets | 1.0319% | 3,370 |
| Return on Equity (ROE) | 5.6958% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.8707% | 3,176 |
| Net charge-offs to loans | 0.1722% | 2,846 |
| Credit loss provision to net charge-offs | 310.5263% | 823 |
| Earnings coverage of net charge-offs (x) | 16.0367% | 1,829 |
| Efficiency ratio | 64.0175% | 4,794 |
| Assets per employee ($millions) | 2.5050% | 6,472 |
| Cash dividends to net income (ytd only)* | 14.4868% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 1,394 |
| Loan loss allowance to noncurrent loans | 91.6975% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 2,522 |
| Noncurrent loans to loans | 2.3577% | 1,867 |
| Net loans and leases to total assets | 53.9448% | 4,623 |
| Net loans and leases to deposits | 62.1516% | 4,743 |
| Net loans and leases to core deposits | 62.7502% | 5,037 |
| Total domestic deposits to total assets | 86.7955% | 2,804 |
| Equity capital to assets | 12.9446% | 1,356 |
| Core capital (leverage) ratio | 12.6995% | 1,323 |
| Tier 1 risk-based capital ratio | 23.3794% | 1,084 |
| Total risk-based capital ratio | 24.6410% | 1,063 |
| Memoranda: | ||
| Average total assets | $275,349,000 | 2,311 |
| Average earning assets | $261,934,250 | 2,243 |
| Average equity | $34,902,000 | 1,991 |
| Average total loans | $147,121,500 | 2,613 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,516 |
| Cost of funding earning assets | 0.4012% | 4,933 |
| Net interest margin | 3.4897% | 3,820 |
| Noninterest income to average assets | 0.7416% | 2,452 |
| Noninterest expense to average assets | 2.6315% | 4,277 |
| Loan and lease loss provision to assets | 0.3582% | 924 |
| Net operating income to assets | 0.7597% | 3,514 |
| Return on assets (ROA) | 0.7597% | 3,666 |
| Pretax return on assets | 1.0746% | 3,193 |
| Return on Equity (ROE) | 6.0352% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.2091% | 2,922 |
| Net charge-offs to loans | 0.2335% | 2,326 |
| Credit loss provision to net charge-offs | 290.0585% | 892 |
| Earnings coverage of net charge-offs (x) | 11.6023% | 2,041 |
| Efficiency ratio | 64.7477% | 4,749 |
| Assets per employee ($millions) | 2.6036% | 6,397 |
| Cash dividends to net income (ytd only)* | 13.6882% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 1,577 |
| Loan loss allowance to noncurrent loans | 94.0018% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 2,754 |
| Noncurrent loans to loans | 2.2592% | 2,105 |
| Net loans and leases to total assets | 52.6019% | 4,787 |
| Net loans and leases to deposits | 60.2997% | 4,943 |
| Net loans and leases to core deposits | 60.7067% | 5,205 |
| Total domestic deposits to total assets | 87.2341% | 2,694 |
| Equity capital to assets | 12.5608% | 1,540 |
| Core capital (leverage) ratio | 12.4486% | 1,387 |
| Tier 1 risk-based capital ratio | 23.0836% | 1,122 |
| Total risk-based capital ratio | 24.3459% | 1,109 |
| Memoranda: | ||
| Average total assets | $276,950,330 | 2,308 |
| Average earning assets | $263,688,670 | 2,236 |
| Average equity | $34,862,330 | 1,995 |
| Average total loans | $146,438,670 | 2,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 4,669 |
| Cost of funding earning assets | 0.4051% | 5,052 |
| Net interest margin | 3.4385% | 3,969 |
| Noninterest income to average assets | 0.7887% | 2,172 |
| Noninterest expense to average assets | 2.4482% | 4,954 |
| Loan and lease loss provision to assets | 0.4657% | 594 |
| Net operating income to assets | 0.7973% | 3,181 |
| Return on assets (ROA) | 0.7973% | 3,316 |
| Pretax return on assets | 1.1549% | 2,743 |
| Return on Equity (ROE) | 6.3271% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.5034% | 2,955 |
| Net charge-offs to loans | 0.2969% | 1,778 |
| Credit loss provision to net charge-offs | 299.0741% | 811 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 1,747 |
| Efficiency ratio | 60.1701% | 5,565 |
| Assets per employee ($millions) | 2.6259% | 6,470 |
| Cash dividends to net income (ytd only)* | 13.0199% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 1,835 |
| Loan loss allowance to noncurrent loans | 96.3855% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 3,003 |
| Noncurrent loans to loans | 2.1611% | 2,433 |
| Net loans and leases to total assets | 51.3397% | 4,787 |
| Net loans and leases to deposits | 58.9753% | 4,909 |
| Net loans and leases to core deposits | 59.3698% | 5,207 |
| Total domestic deposits to total assets | 87.0529% | 2,929 |
| Equity capital to assets | 12.6205% | 1,635 |
| Core capital (leverage) ratio | 12.2821% | 1,427 |
| Tier 1 risk-based capital ratio | 23.3868% | 1,095 |
| Total risk-based capital ratio | 24.6473% | 1,079 |
| Memoranda: | ||
| Average total assets | $277,432,500 | 2,331 |
| Average earning assets | $264,649,000 | 2,258 |
| Average equity | $34,960,500 | 2,018 |
| Average total loans | $145,496,000 | 2,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 5,228 |
| Cost of funding earning assets | 0.4743% | 5,388 |
| Net interest margin | 3.5500% | 4,303 |
| Noninterest income to average assets | 0.7376% | 2,552 |
| Noninterest expense to average assets | 2.6129% | 4,698 |
| Loan and lease loss provision to assets | 0.2714% | 2,478 |
| Net operating income to assets | 0.8439% | 3,074 |
| Return on assets (ROA) | 0.9547% | 2,775 |
| Pretax return on assets | 1.3978% | 2,046 |
| Return on Equity (ROE) | 7.4305% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.3656% | 1,894 |
| Net charge-offs to loans | 0.3159% | 3,060 |
| Credit loss provision to net charge-offs | 162.3583% | 1,655 |
| Earnings coverage of net charge-offs (x) | 9.0113% | 2,317 |
| Efficiency ratio | 63.4339% | 4,989 |
| Assets per employee ($millions) | 2.6846% | 6,439 |
| Cash dividends to net income (ytd only)* | 14.3311% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 2,156 |
| Loan loss allowance to noncurrent loans | 130.2444% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 3,664 |
| Noncurrent loans to loans | 1.4954% | 3,361 |
| Net loans and leases to total assets | 51.4341% | 4,983 |
| Net loans and leases to deposits | 58.9684% | 5,130 |
| Net loans and leases to core deposits | 59.3631% | 5,420 |
| Total domestic deposits to total assets | 87.2232% | 2,691 |
| Equity capital to assets | 12.5822% | 1,646 |
| Core capital (leverage) ratio | 12.4816% | 1,326 |
| Tier 1 risk-based capital ratio | 23.3423% | 1,060 |
| Total risk-based capital ratio | 24.6017% | 1,042 |
| Memoranda: | ||
| Average total assets | $263,842,200 | 2,400 |
| Average earning assets | $251,324,800 | 2,308 |
| Average equity | $33,900,800 | 2,034 |
| Average total loans | $139,612,000 | 2,719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 5,238 |
| Cost of funding earning assets | 0.4942% | 5,475 |
| Net interest margin | 3.5927% | 4,266 |
| Noninterest income to average assets | 0.7575% | 2,439 |
| Noninterest expense to average assets | 2.6193% | 4,674 |
| Loan and lease loss provision to assets | 0.3079% | 2,148 |
| Net operating income to assets | 0.8705% | 3,128 |
| Return on assets (ROA) | 1.0245% | 2,611 |
| Pretax return on assets | 1.4710% | 1,996 |
| Return on Equity (ROE) | 7.9298% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.0747% | 2,084 |
| Net charge-offs to loans | 0.4118% | 2,448 |
| Credit loss provision to net charge-offs | 140.9836% | 2,045 |
| Earnings coverage of net charge-offs (x) | 7.1382% | 2,654 |
| Efficiency ratio | 62.6882% | 5,037 |
| Assets per employee ($millions) | 2.4802% | 6,710 |
| Cash dividends to net income (ytd only)* | 10.7837% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 2,392 |
| Loan loss allowance to noncurrent loans | 113.2115% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 3,546 |
| Noncurrent loans to loans | 1.7034% | 3,223 |
| Net loans and leases to total assets | 53.2137% | 4,873 |
| Net loans and leases to deposits | 61.5223% | 5,025 |
| Net loans and leases to core deposits | 61.9619% | 5,366 |
| Total domestic deposits to total assets | 86.4949% | 2,982 |
| Equity capital to assets | 13.2613% | 1,473 |
| Core capital (leverage) ratio | 12.5984% | 1,364 |
| Tier 1 risk-based capital ratio | 23.8024% | 1,046 |
| Total risk-based capital ratio | 25.0613% | 1,026 |
| Memoranda: | ||
| Average total assets | $260,673,500 | 2,452 |
| Average earning assets | $248,197,750 | 2,366 |
| Average equity | $33,678,000 | 2,062 |
| Average total loans | $138,252,750 | 2,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 5,451 |
| Cost of funding earning assets | 0.5101% | 5,556 |
| Net interest margin | 3.5519% | 4,457 |
| Noninterest income to average assets | 0.7286% | 2,520 |
| Noninterest expense to average assets | 2.6423% | 4,638 |
| Loan and lease loss provision to assets | 0.2569% | 2,520 |
| Net operating income to assets | 0.8626% | 3,074 |
| Return on assets (ROA) | 0.8621% | 3,345 |
| Pretax return on assets | 1.2149% | 2,864 |
| Return on Equity (ROE) | 6.7321% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.8696% | 2,786 |
| Net charge-offs to loans | 0.2332% | 3,171 |
| Credit loss provision to net charge-offs | 209.3750% | 1,347 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,917 |
| Efficiency ratio | 64.2125% | 4,860 |
| Assets per employee ($millions) | 2.5180% | 6,746 |
| Cash dividends to net income (ytd only)* | 12.8114% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 2,274 |
| Loan loss allowance to noncurrent loans | 112.9300% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 3,588 |
| Noncurrent loans to loans | 1.7554% | 3,266 |
| Net loans and leases to total assets | 51.9490% | 5,107 |
| Net loans and leases to deposits | 60.0754% | 5,228 |
| Net loans and leases to core deposits | 60.5048% | 5,544 |
| Total domestic deposits to total assets | 86.4731% | 3,087 |
| Equity capital to assets | 13.0657% | 1,484 |
| Core capital (leverage) ratio | 12.3791% | 1,405 |
| Tier 1 risk-based capital ratio | 23.6513% | 1,057 |
| Total risk-based capital ratio | 24.9108% | 1,040 |
| Memoranda: | ||
| Average total assets | $260,758,000 | 2,450 |
| Average earning assets | $248,600,670 | 2,367 |
| Average equity | $33,392,330 | 2,068 |
| Average total loans | $137,235,670 | 2,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 5,638 |
| Cost of funding earning assets | 0.5460% | 5,519 |
| Net interest margin | 3.4922% | 4,747 |
| Noninterest income to average assets | 0.7405% | 2,446 |
| Noninterest expense to average assets | 2.4585% | 5,294 |
| Loan and lease loss provision to assets | 0.3014% | 2,080 |
| Net operating income to assets | 0.9313% | 2,784 |
| Return on assets (ROA) | 0.9302% | 2,993 |
| Pretax return on assets | 1.3157% | 2,488 |
| Return on Equity (ROE) | 7.3375% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.3375% | 2,262 |
| Net charge-offs to loans | 0.2830% | 2,538 |
| Credit loss provision to net charge-offs | 203.0928% | 1,323 |
| Earnings coverage of net charge-offs (x) | 10.9072% | 1,718 |
| Efficiency ratio | 60.3002% | 5,576 |
| Assets per employee ($millions) | 2.5758% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 2,523 |
| Loan loss allowance to noncurrent loans | 92.7222% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 3,778 |
| Noncurrent loans to loans | 2.1029% | 3,030 |
| Net loans and leases to total assets | 50.7190% | 5,200 |
| Net loans and leases to deposits | 58.5234% | 5,319 |
| Net loans and leases to core deposits | 58.9341% | 5,631 |
| Total domestic deposits to total assets | 86.6645% | 3,136 |
| Equity capital to assets | 12.7292% | 1,582 |
| Core capital (leverage) ratio | 12.2135% | 1,477 |
| Tier 1 risk-based capital ratio | 24.1874% | 986 |
| Total risk-based capital ratio | 25.4470% | 973 |
| Memoranda: | ||
| Average total assets | $261,458,000 | 2,465 |
| Average earning assets | $249,815,000 | 2,367 |
| Average equity | $33,145,000 | 2,086 |
| Average total loans | $137,124,000 | 2,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 5,860 |
| Cost of funding earning assets | 0.8449% | 4,506 |
| Net interest margin | 3.4229% | 5,416 |
| Noninterest income to average assets | 0.7150% | 2,520 |
| Noninterest expense to average assets | 2.6200% | 5,015 |
| Loan and lease loss provision to assets | 0.3271% | 3,067 |
| Net operating income to assets | 0.7326% | 3,327 |
| Return on assets (ROA) | 0.7998% | 3,202 |
| Pretax return on assets | 1.1264% | 2,735 |
| Return on Equity (ROE) | 6.3562% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.1175% | 2,557 |
| Net charge-offs to loans | 0.4396% | 3,237 |
| Credit loss provision to net charge-offs | 142.8816% | 2,036 |
| Earnings coverage of net charge-offs (x) | 5.9365% | 2,639 |
| Efficiency ratio | 65.8476% | 4,801 |
| Assets per employee ($millions) | 2.5018% | 6,829 |
| Cash dividends to net income (ytd only)* | 19.4894% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,733 |
| Loan loss allowance to noncurrent loans | 89.5680% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 4,023 |
| Noncurrent loans to loans | 2.0579% | 3,130 |
| Net loans and leases to total assets | 52.1912% | 5,285 |
| Net loans and leases to deposits | 60.0610% | 5,476 |
| Net loans and leases to core deposits | 60.4840% | 5,797 |
| Total domestic deposits to total assets | 86.8969% | 2,820 |
| Equity capital to assets | 12.6242% | 1,726 |
| Core capital (leverage) ratio | 12.0448% | 1,565 |
| Tier 1 risk-based capital ratio | 23.2750% | 1,069 |
| Total risk-based capital ratio | 24.5332% | 1,049 |
| Memoranda: | ||
| Average total assets | $254,696,200 | 2,475 |
| Average earning assets | $242,861,600 | 2,371 |
| Average equity | $32,047,200 | 2,075 |
| Average total loans | $132,618,600 | 2,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 5,871 |
| Cost of funding earning assets | 0.9054% | 4,360 |
| Net interest margin | 3.4194% | 5,512 |
| Noninterest income to average assets | 0.7237% | 2,461 |
| Noninterest expense to average assets | 2.5379% | 5,325 |
| Loan and lease loss provision to assets | 0.2790% | 3,287 |
| Net operating income to assets | 0.8217% | 3,056 |
| Return on assets (ROA) | 0.9105% | 2,836 |
| Pretax return on assets | 1.2916% | 2,314 |
| Return on Equity (ROE) | 7.2427% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.3384% | 2,337 |
| Net charge-offs to loans | 0.1321% | 4,731 |
| Credit loss provision to net charge-offs | 407.6923% | 703 |
| Earnings coverage of net charge-offs (x) | 21.0999% | 1,195 |
| Efficiency ratio | 63.7409% | 5,119 |
| Assets per employee ($millions) | 2.4007% | 6,987 |
| Cash dividends to net income (ytd only)* | 12.4854% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 2,366 |
| Loan loss allowance to noncurrent loans | 77.9446% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 3,769 |
| Noncurrent loans to loans | 2.5493% | 2,717 |
| Net loans and leases to total assets | 52.3362% | 5,404 |
| Net loans and leases to deposits | 60.5441% | 5,575 |
| Net loans and leases to core deposits | 60.8283% | 5,920 |
| Total domestic deposits to total assets | 86.4432% | 2,961 |
| Equity capital to assets | 12.9194% | 1,656 |
| Core capital (leverage) ratio | 12.2474% | 1,566 |
| Tier 1 risk-based capital ratio | 23.3439% | 1,098 |
| Total risk-based capital ratio | 24.6035% | 1,079 |
| Memoranda: | ||
| Average total assets | $253,324,750 | 2,497 |
| Average earning assets | $241,360,500 | 2,397 |
| Average equity | $31,847,500 | 2,087 |
| Average total loans | $131,187,750 | 2,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 5,928 |
| Cost of funding earning assets | 0.9514% | 4,311 |
| Net interest margin | 3.3748% | 5,626 |
| Noninterest income to average assets | 0.6934% | 2,589 |
| Noninterest expense to average assets | 2.5397% | 5,398 |
| Loan and lease loss provision to assets | 0.2601% | 3,322 |
| Net operating income to assets | 0.7820% | 3,149 |
| Return on assets (ROA) | 0.7820% | 3,277 |
| Pretax return on assets | 1.1078% | 2,819 |
| Return on Equity (ROE) | 6.2784% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,767 |
| Net charge-offs to loans | 0.1990% | 3,955 |
| Credit loss provision to net charge-offs | 255.0388% | 1,186 |
| Earnings coverage of net charge-offs (x) | 13.4109% | 1,549 |
| Efficiency ratio | 64.9939% | 5,061 |
| Assets per employee ($millions) | 2.4876% | 6,922 |
| Cash dividends to net income (ytd only)* | 14.5602% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 2,756 |
| Loan loss allowance to noncurrent loans | 86.1475% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 4,233 |
| Noncurrent loans to loans | 2.1750% | 3,249 |
| Net loans and leases to total assets | 51.6001% | 5,619 |
| Net loans and leases to deposits | 59.4717% | 5,779 |
| Net loans and leases to core deposits | 59.7499% | 6,113 |
| Total domestic deposits to total assets | 86.7641% | 2,879 |
| Equity capital to assets | 12.6696% | 1,697 |
| Core capital (leverage) ratio | 12.0266% | 1,577 |
| Tier 1 risk-based capital ratio | 23.0298% | 1,114 |
| Total risk-based capital ratio | 24.2878% | 1,096 |
| Memoranda: | ||
| Average total assets | $252,943,000 | 2,514 |
| Average earning assets | $240,901,330 | 2,418 |
| Average equity | $31,504,670 | 2,095 |
| Average total loans | $129,623,670 | 3,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 5,995 |
| Cost of funding earning assets | 0.9994% | 4,209 |
| Net interest margin | 3.3092% | 5,744 |
| Noninterest income to average assets | 0.6573% | 2,794 |
| Noninterest expense to average assets | 2.6672% | 4,973 |
| Loan and lease loss provision to assets | 0.1980% | 3,650 |
| Net operating income to assets | 0.6589% | 3,710 |
| Return on assets (ROA) | 0.6589% | 3,783 |
| Pretax return on assets | 0.9440% | 3,345 |
| Return on Equity (ROE) | 5.3362% | 4,217 |
| Retained earnings to average equity (ytd only) | 4.4126% | 3,530 |
| Net charge-offs to loans | 0.1566% | 3,548 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 14.4200% | 1,372 |
| Efficiency ratio | 70.0208% | 4,268 |
| Assets per employee ($millions) | 2.4160% | 7,089 |
| Cash dividends to net income (ytd only)* | 17.3077% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 2,886 |
| Loan loss allowance to noncurrent loans | 81.9814% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 4,211 |
| Noncurrent loans to loans | 2.2450% | 3,260 |
| Net loans and leases to total assets | 49.9324% | 5,859 |
| Net loans and leases to deposits | 57.4084% | 5,986 |
| Net loans and leases to core deposits | 57.6755% | 6,287 |
| Total domestic deposits to total assets | 86.9775% | 2,953 |
| Equity capital to assets | 12.3645% | 1,706 |
| Core capital (leverage) ratio | 11.7509% | 1,704 |
| Tier 1 risk-based capital ratio | 23.0124% | 1,080 |
| Total risk-based capital ratio | 24.2698% | 1,066 |
| Memoranda: | ||
| Average total assets | $252,547,500 | 2,547 |
| Average earning assets | $240,544,500 | 2,442 |
| Average equity | $31,183,500 | 2,102 |
| Average total loans | $127,722,000 | 3,110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 5,397 |
| Cost of funding earning assets | 1.2930% | 3,927 |
| Net interest margin | 3.5108% | 5,204 |
| Noninterest income to average assets | 0.6981% | 2,850 |
| Noninterest expense to average assets | 2.6538% | 5,198 |
| Loan and lease loss provision to assets | 0.3646% | 3,927 |
| Net operating income to assets | 0.6707% | 3,342 |
| Return on assets (ROA) | 0.6707% | 3,485 |
| Pretax return on assets | 0.9785% | 3,002 |
| Return on Equity (ROE) | 5.2402% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.0703% | 3,013 |
| Net charge-offs to loans | 0.3477% | 4,275 |
| Credit loss provision to net charge-offs | 204.8951% | 1,514 |
| Earnings coverage of net charge-offs (x) | 7.5478% | 2,113 |
| Efficiency ratio | 66.3968% | 4,895 |
| Assets per employee ($millions) | 2.4410% | 7,082 |
| Cash dividends to net income (ytd only)* | 22.3253% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 2,803 |
| Loan loss allowance to noncurrent loans | 117.0483% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 4,899 |
| Noncurrent loans to loans | 1.5546% | 4,166 |
| Net loans and leases to total assets | 49.3608% | 6,233 |
| Net loans and leases to deposits | 56.6860% | 6,379 |
| Net loans and leases to core deposits | 56.9510% | 6,635 |
| Total domestic deposits to total assets | 87.0777% | 2,779 |
| Equity capital to assets | 12.3305% | 1,725 |
| Core capital (leverage) ratio | 11.7198% | 1,716 |
| Tier 1 risk-based capital ratio | 22.7016% | 1,077 |
| Total risk-based capital ratio | 23.9581% | 1,058 |
| Memoranda: | ||
| Average total assets | $241,092,200 | 2,624 |
| Average earning assets | $226,528,600 | 2,557 |
| Average equity | $30,857,800 | 2,122 |
| Average total loans | $123,376,400 | 3,246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 5,331 |
| Cost of funding earning assets | 1.3386% | 3,982 |
| Net interest margin | 3.5465% | 5,121 |
| Noninterest income to average assets | 0.7060% | 2,791 |
| Noninterest expense to average assets | 2.5983% | 5,331 |
| Loan and lease loss provision to assets | 0.4047% | 3,482 |
| Net operating income to assets | 0.6870% | 3,482 |
| Return on assets (ROA) | 0.6870% | 3,636 |
| Pretax return on assets | 1.0236% | 3,096 |
| Return on Equity (ROE) | 5.3164% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.3820% | 3,410 |
| Net charge-offs to loans | 0.3523% | 3,893 |
| Credit loss provision to net charge-offs | 223.4568% | 1,549 |
| Earnings coverage of net charge-offs (x) | 7.8858% | 2,248 |
| Efficiency ratio | 64.5287% | 5,144 |
| Assets per employee ($millions) | 2.3329% | 7,274 |
| Cash dividends to net income (ytd only)* | 17.5750% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 2,799 |
| Loan loss allowance to noncurrent loans | 91.1669% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,573 |
| Noncurrent loans to loans | 1.9704% | 3,720 |
| Net loans and leases to total assets | 49.7414% | 6,351 |
| Net loans and leases to deposits | 57.4302% | 6,514 |
| Net loans and leases to core deposits | 57.7037% | 6,749 |
| Total domestic deposits to total assets | 86.6119% | 2,749 |
| Equity capital to assets | 12.6626% | 1,775 |
| Core capital (leverage) ratio | 11.8572% | 1,734 |
| Tier 1 risk-based capital ratio | 22.3753% | 1,151 |
| Total risk-based capital ratio | 23.6309% | 1,123 |
| Memoranda: | ||
| Average total assets | $238,510,750 | 2,686 |
| Average earning assets | $223,315,000 | 2,629 |
| Average equity | $30,822,000 | 2,147 |
| Average total loans | $122,620,000 | 3,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 5,377 |
| Cost of funding earning assets | 1.3795% | 4,006 |
| Net interest margin | 3.5221% | 5,149 |
| Noninterest income to average assets | 0.7055% | 2,673 |
| Noninterest expense to average assets | 2.6012% | 5,321 |
| Loan and lease loss provision to assets | 0.3455% | 3,655 |
| Net operating income to assets | 0.7275% | 3,282 |
| Return on assets (ROA) | 0.7275% | 3,441 |
| Pretax return on assets | 1.0620% | 2,894 |
| Return on Equity (ROE) | 5.5907% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.6513% | 3,110 |
| Net charge-offs to loans | 0.3811% | 3,455 |
| Credit loss provision to net charge-offs | 175.4310% | 2,232 |
| Earnings coverage of net charge-offs (x) | 7.1466% | 2,357 |
| Efficiency ratio | 64.8878% | 5,170 |
| Assets per employee ($millions) | 2.2898% | 7,361 |
| Cash dividends to net income (ytd only)* | 16.8028% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,394 |
| Loan loss allowance to noncurrent loans | 79.5678% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3832% | 4,408 |
| Noncurrent loans to loans | 2.0252% | 3,685 |
| Net loans and leases to total assets | 51.9212% | 6,222 |
| Net loans and leases to deposits | 60.1419% | 6,396 |
| Net loans and leases to core deposits | 60.7844% | 6,650 |
| Total domestic deposits to total assets | 86.3310% | 2,914 |
| Equity capital to assets | 12.9933% | 1,573 |
| Core capital (leverage) ratio | 12.2239% | 1,529 |
| Tier 1 risk-based capital ratio | 22.2623% | 1,164 |
| Total risk-based capital ratio | 23.5161% | 1,135 |
| Memoranda: | ||
| Average total assets | $235,585,330 | 2,745 |
| Average earning assets | $220,947,330 | 2,669 |
| Average equity | $30,658,330 | 2,152 |
| Average total loans | $121,742,000 | 3,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 5,538 |
| Cost of funding earning assets | 1.4431% | 3,918 |
| Net interest margin | 3.4420% | 5,411 |
| Noninterest income to average assets | 0.6692% | 2,815 |
| Noninterest expense to average assets | 2.5505% | 5,549 |
| Loan and lease loss provision to assets | 0.3653% | 3,177 |
| Net operating income to assets | 0.7033% | 3,431 |
| Return on assets (ROA) | 0.7033% | 3,539 |
| Pretax return on assets | 0.9782% | 3,174 |
| Return on Equity (ROE) | 5.4004% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.4566% | 3,481 |
| Net charge-offs to loans | 0.4642% | 2,652 |
| Credit loss provision to net charge-offs | 153.9568% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.6619% | 2,353 |
| Efficiency ratio | 65.4976% | 5,220 |
| Assets per employee ($millions) | 2.3940% | 7,343 |
| Cash dividends to net income (ytd only)* | 17.4757% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,476 |
| Loan loss allowance to noncurrent loans | 94.1781% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 4,876 |
| Noncurrent loans to loans | 1.6925% | 4,204 |
| Net loans and leases to total assets | 50.1422% | 6,450 |
| Net loans and leases to deposits | 58.1346% | 6,615 |
| Net loans and leases to core deposits | 58.7119% | 6,835 |
| Total domestic deposits to total assets | 86.2518% | 3,006 |
| Equity capital to assets | 12.9343% | 1,549 |
| Core capital (leverage) ratio | 12.2948% | 1,497 |
| Tier 1 risk-based capital ratio | 22.6383% | 1,128 |
| Total risk-based capital ratio | 23.8919% | 1,100 |
| Memoranda: | ||
| Average total assets | $234,309,000 | 2,821 |
| Average earning assets | $219,525,500 | 2,745 |
| Average equity | $30,516,500 | 2,188 |
| Average total loans | $119,778,500 | 3,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 4,933 |
| Cost of funding earning assets | 1.7287% | 4,362 |
| Net interest margin | 3.6232% | 4,457 |
| Noninterest income to average assets | 0.7906% | 2,452 |
| Noninterest expense to average assets | 2.7956% | 4,992 |
| Loan and lease loss provision to assets | 0.7345% | 2,912 |
| Net operating income to assets | 0.5068% | 3,701 |
| Return on assets (ROA) | 0.5383% | 3,663 |
| Pretax return on assets | 0.7039% | 3,559 |
| Return on Equity (ROE) | 3.9368% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.7324% | 3,241 |
| Net charge-offs to loans | 1.1482% | 2,130 |
| Credit loss provision to net charge-offs | 122.9008% | 4,303 |
| Earnings coverage of net charge-offs (x) | 2.3374% | 3,976 |
| Efficiency ratio | 66.6812% | 5,253 |
| Assets per employee ($millions) | 2.2707% | 7,507 |
| Cash dividends to net income (ytd only)* | 30.5932% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 3,448 |
| Loan loss allowance to noncurrent loans | 87.2230% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 4,951 |
| Noncurrent loans to loans | 1.7855% | 3,964 |
| Net loans and leases to total assets | 50.4905% | 6,581 |
| Net loans and leases to deposits | 58.7268% | 6,729 |
| Net loans and leases to core deposits | 65.9337% | 6,986 |
| Total domestic deposits to total assets | 85.9753% | 3,032 |
| Equity capital to assets | 13.1159% | 1,463 |
| Core capital (leverage) ratio | 12.4250% | 1,484 |
| Tier 1 risk-based capital ratio | 22.5465% | 1,086 |
| Total risk-based capital ratio | 23.7989% | 1,062 |
| Memoranda: | ||
| Average total assets | $219,198,400 | 2,955 |
| Average earning assets | $205,813,600 | 2,892 |
| Average equity | $29,973,800 | 2,230 |
| Average total loans | $114,092,000 | 3,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 4,870 |
| Cost of funding earning assets | 1.7840% | 4,455 |
| Net interest margin | 3.6324% | 4,364 |
| Noninterest income to average assets | 0.8249% | 2,317 |
| Noninterest expense to average assets | 2.8135% | 4,833 |
| Loan and lease loss provision to assets | 0.7867% | 2,402 |
| Net operating income to assets | 0.5065% | 3,956 |
| Return on assets (ROA) | 0.5504% | 3,875 |
| Pretax return on assets | 0.6947% | 3,872 |
| Return on Equity (ROE) | 3.9812% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.0172% | 3,642 |
| Net charge-offs to loans | 1.1808% | 1,717 |
| Credit loss provision to net charge-offs | 127.5000% | 3,938 |
| Earnings coverage of net charge-offs (x) | 2.3110% | 4,094 |
| Efficiency ratio | 66.3659% | 5,306 |
| Assets per employee ($millions) | 2.1598% | 7,649 |
| Cash dividends to net income (ytd only)* | 24.2151% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,205 |
| Loan loss allowance to noncurrent loans | 71.7374% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 4,468 |
| Noncurrent loans to loans | 2.1578% | 3,436 |
| Net loans and leases to total assets | 52.6907% | 6,540 |
| Net loans and leases to deposits | 61.8743% | 6,685 |
| Net loans and leases to core deposits | 69.9567% | 6,968 |
| Total domestic deposits to total assets | 85.1576% | 3,148 |
| Equity capital to assets | 13.7752% | 1,385 |
| Core capital (leverage) ratio | 12.8982% | 1,410 |
| Tier 1 risk-based capital ratio | 22.5933% | 1,161 |
| Total risk-based capital ratio | 23.8459% | 1,134 |
| Memoranda: | ||
| Average total assets | $216,095,000 | 3,010 |
| Average earning assets | $203,130,000 | 2,946 |
| Average equity | $29,872,750 | 2,263 |
| Average total loans | $112,917,000 | 3,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 4,863 |
| Cost of funding earning assets | 1.8459% | 4,534 |
| Net interest margin | 3.6094% | 4,326 |
| Noninterest income to average assets | 0.8328% | 2,253 |
| Noninterest expense to average assets | 2.7956% | 4,979 |
| Loan and lease loss provision to assets | 0.6372% | 2,518 |
| Net operating income to assets | 0.5251% | 3,998 |
| Return on assets (ROA) | 0.5813% | 3,873 |
| Pretax return on assets | 0.8719% | 3,437 |
| Return on Equity (ROE) | 4.1999% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.2307% | 3,519 |
| Net charge-offs to loans | 0.7802% | 2,117 |
| Credit loss provision to net charge-offs | 157.6037% | 2,927 |
| Earnings coverage of net charge-offs (x) | 3.5253% | 3,408 |
| Efficiency ratio | 66.2326% | 5,510 |
| Assets per employee ($millions) | 2.2433% | 7,627 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 2,782 |
| Loan loss allowance to noncurrent loans | 86.1244% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,634 |
| Noncurrent loans to loans | 1.8476% | 3,738 |
| Net loans and leases to total assets | 51.6912% | 6,718 |
| Net loans and leases to deposits | 60.7660% | 6,829 |
| Net loans and leases to core deposits | 68.8119% | 7,084 |
| Total domestic deposits to total assets | 85.0660% | 3,231 |
| Equity capital to assets | 13.8507% | 1,368 |
| Core capital (leverage) ratio | 12.9448% | 1,451 |
| Tier 1 risk-based capital ratio | 23.3216% | 1,104 |
| Total risk-based capital ratio | 24.5251% | 1,088 |
| Memoranda: | ||
| Average total assets | $214,695,000 | 3,047 |
| Average earning assets | $201,531,000 | 2,980 |
| Average equity | $29,715,000 | 2,288 |
| Average total loans | $111,256,000 | 3,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 4,888 |
| Cost of funding earning assets | 1.9145% | 4,557 |
| Net interest margin | 3.5901% | 4,357 |
| Noninterest income to average assets | 0.8210% | 2,226 |
| Noninterest expense to average assets | 2.6982% | 5,016 |
| Loan and lease loss provision to assets | 0.4348% | 2,756 |
| Net operating income to assets | 0.7085% | 3,511 |
| Return on assets (ROA) | 0.8210% | 3,194 |
| Pretax return on assets | 1.2222% | 2,544 |
| Return on Equity (ROE) | 5.9342% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.9632% | 3,150 |
| Net charge-offs to loans | 0.3916% | 2,530 |
| Credit loss provision to net charge-offs | 215.7407% | 2,092 |
| Earnings coverage of net charge-offs (x) | 7.3889% | 2,352 |
| Efficiency ratio | 64.4385% | 5,601 |
| Assets per employee ($millions) | 2.2263% | 7,678 |
| Cash dividends to net income (ytd only)* | 16.3636% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 2,780 |
| Loan loss allowance to noncurrent loans | 62.8990% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,983 |
| Noncurrent loans to loans | 2.4430% | 2,700 |
| Net loans and leases to total assets | 49.7016% | 6,891 |
| Net loans and leases to deposits | 58.5421% | 7,000 |
| Net loans and leases to core deposits | 67.0425% | 7,193 |
| Total domestic deposits to total assets | 84.8989% | 3,255 |
| Equity capital to assets | 13.8008% | 1,422 |
| Core capital (leverage) ratio | 13.0000% | 1,481 |
| Tier 1 risk-based capital ratio | 23.9828% | 1,085 |
| Total risk-based capital ratio | 25.2357% | 1,057 |
| Memoranda: | ||
| Average total assets | $214,365,500 | 3,062 |
| Average earning assets | $200,996,500 | 3,006 |
| Average equity | $29,658,500 | 2,304 |
| Average total loans | $110,324,500 | 3,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 5,409 |
| Cost of funding earning assets | 2.2922% | 5,190 |
| Net interest margin | 3.7385% | 4,288 |
| Noninterest income to average assets | 0.8272% | 2,371 |
| Noninterest expense to average assets | 2.7939% | 4,846 |
| Loan and lease loss provision to assets | 0.3330% | 3,728 |
| Net operating income to assets | 0.8063% | 3,413 |
| Return on assets (ROA) | 0.8232% | 3,178 |
| Pretax return on assets | 1.2345% | 2,530 |
| Return on Equity (ROE) | 5.7459% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.9755% | 2,659 |
| Net charge-offs to loans | 0.2890% | 3,477 |
| Credit loss provision to net charge-offs | 211.8211% | 2,281 |
| Earnings coverage of net charge-offs (x) | 9.8115% | 2,632 |
| Efficiency ratio | 64.4313% | 5,468 |
| Assets per employee ($millions) | 2.1712% | 7,751 |
| Cash dividends to net income (ytd only)* | 30.8115% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 3,265 |
| Loan loss allowance to noncurrent loans | 118.7739% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 5,053 |
| Noncurrent loans to loans | 1.1689% | 4,188 |
| Net loans and leases to total assets | 51.7403% | 6,867 |
| Net loans and leases to deposits | 61.0204% | 7,015 |
| Net loans and leases to core deposits | 70.4086% | 7,167 |
| Total domestic deposits to total assets | 84.7918% | 2,936 |
| Equity capital to assets | 13.8707% | 1,469 |
| Core capital (leverage) ratio | 13.3152% | 1,438 |
| Tier 1 risk-based capital ratio | 23.3465% | 1,156 |
| Total risk-based capital ratio | 24.5970% | 1,132 |
| Memoranda: | ||
| Average total assets | $199,112,200 | 3,150 |
| Average earning assets | $186,894,800 | 3,087 |
| Average equity | $28,524,800 | 2,367 |
| Average total loans | $108,300,000 | 3,730 |