Home > The Friendship State Bank > Performance and Condition Ratios
The Friendship State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 3,730 |
| Cost of funding earning assets | 1.2712% | 2,597 |
| Net interest margin | 2.8729% | 3,532 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 2.9052% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7034% | 3,189 |
| Return on assets (ROA) | 0.7228% | 3,102 |
| Pretax return on assets | 0.8731% | 3,033 |
| Return on Equity (ROE) | 13.3100% | 1,647 |
| Retained earnings to average equity (ytd only) | 2.4974% | 3,445 |
| Net charge-offs to loans | 0.0423% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 37.6829% | 1,483 |
| Efficiency ratio | 77.2153% | 1,141 |
| Assets per employee ($millions) | 5.1302% | 3,541 |
| Cash dividends to net income (ytd only)* | 81.2326% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,397 |
| Loan loss allowance to noncurrent loans | 825.9524% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,032 |
| Noncurrent loans to loans | 0.1430% | 2,799 |
| Net loans and leases to total assets | 53.3600% | 3,394 |
| Net loans and leases to deposits | 61.9836% | 3,407 |
| Net loans and leases to core deposits | 71.0316% | 3,242 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 6.0693% | 4,220 |
| Core capital (leverage) ratio | 8.1198% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6655% | 1,143 |
| Memoranda: | ||
| Average total assets | $545,496,600 | 1,631 |
| Average earning assets | $504,081,200 | 1,623 |
| Average equity | $29,631,000 | 2,277 |
| Average total loans | $290,504,000 | 1,827 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,674 |
| Cost of funding earning assets | 1.1569% | 2,574 |
| Net interest margin | 2.9379% | 3,460 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 2.9405% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7131% | 3,285 |
| Return on assets (ROA) | 0.7139% | 3,268 |
| Pretax return on assets | 0.8621% | 3,188 |
| Return on Equity (ROE) | 13.5400% | 1,786 |
| Retained earnings to average equity (ytd only) | 1.8665% | 3,751 |
| Net charge-offs to loans | 0.0446% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 36.3505% | 1,497 |
| Efficiency ratio | 77.1425% | 1,082 |
| Assets per employee ($millions) | 4.8531% | 3,709 |
| Cash dividends to net income (ytd only)* | 86.2128% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,297 |
| Loan loss allowance to noncurrent loans | 2,254.8387% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,524 |
| Noncurrent loans to loans | 0.0538% | 3,369 |
| Net loans and leases to total assets | 51.8900% | 3,505 |
| Net loans and leases to deposits | 59.9235% | 3,507 |
| Net loans and leases to core deposits | 68.2648% | 3,306 |
| Total domestic deposits to total assets | 86.6000% | 2,015 |
| Equity capital to assets | 5.0217% | 4,246 |
| Core capital (leverage) ratio | 7.9730% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4795% | 1,206 |
| Memoranda: | ||
| Average total assets | $545,920,250 | 1,625 |
| Average earning assets | $503,881,000 | 1,619 |
| Average equity | $28,787,500 | 2,304 |
| Average total loans | $289,716,250 | 1,834 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,631 |
| Cost of funding earning assets | 1.0087% | 2,576 |
| Net interest margin | 3.0163% | 3,389 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 2.9503% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7646% | 3,178 |
| Return on assets (ROA) | 0.7790% | 3,159 |
| Pretax return on assets | 0.9441% | 3,060 |
| Return on Equity (ROE) | 14.5400% | 1,567 |
| Retained earnings to average equity (ytd only) | 1.9655% | 3,733 |
| Net charge-offs to loans | 0.0372% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 46.7778% | 1,320 |
| Efficiency ratio | 75.8683% | 1,183 |
| Assets per employee ($millions) | 4.7913% | 3,756 |
| Cash dividends to net income (ytd only)* | 86.4814% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,342 |
| Loan loss allowance to noncurrent loans | 491.3889% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,627 |
| Noncurrent loans to loans | 0.2485% | 2,267 |
| Net loans and leases to total assets | 52.4000% | 3,379 |
| Net loans and leases to deposits | 58.7301% | 3,499 |
| Net loans and leases to core deposits | 66.6934% | 3,312 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 5.3718% | 4,313 |
| Core capital (leverage) ratio | 7.9817% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5900% | 1,195 |
| Memoranda: | ||
| Average total assets | $545,092,000 | 1,621 |
| Average earning assets | $503,402,667 | 1,622 |
| Average equity | $29,203,667 | 2,295 |
| Average total loans | $290,264,667 | 1,821 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 3,605 |
| Cost of funding earning assets | 0.8084% | 2,702 |
| Net interest margin | 3.1246% | 3,297 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 2.9331% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8541% | 3,002 |
| Return on assets (ROA) | 0.8734% | 2,899 |
| Pretax return on assets | 1.0644% | 2,817 |
| Return on Equity (ROE) | 16.3200% | 1,293 |
| Retained earnings to average equity (ytd only) | 2.7733% | 3,554 |
| Net charge-offs to loans | 0.0620% | 757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 31.4889% | 1,283 |
| Efficiency ratio | 73.5860% | 1,380 |
| Assets per employee ($millions) | 4.8705% | 3,752 |
| Cash dividends to net income (ytd only)* | 83.0109% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,417 |
| Loan loss allowance to noncurrent loans | 613.6678% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,692 |
| Noncurrent loans to loans | 0.1998% | 2,472 |
| Net loans and leases to total assets | 52.3900% | 3,322 |
| Net loans and leases to deposits | 58.9083% | 3,402 |
| Net loans and leases to core deposits | 64.7978% | 3,297 |
| Total domestic deposits to total assets | 88.9300% | 1,571 |
| Equity capital to assets | 5.4507% | 4,349 |
| Core capital (leverage) ratio | 7.9893% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6226% | 1,227 |
| Memoranda: | ||
| Average total assets | $544,536,500 | 1,643 |
| Average earning assets | $503,240,000 | 1,642 |
| Average equity | $29,135,000 | 2,325 |
| Average total loans | $290,531,000 | 1,829 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 2,672 |
| Cost of funding earning assets | 0.3752% | 2,293 |
| Net interest margin | 3.2691% | 2,651 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.9546% | 1,036 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9533% | 2,757 |
| Return on assets (ROA) | 0.9665% | 2,644 |
| Pretax return on assets | 1.1961% | 2,448 |
| Return on Equity (ROE) | 15.4000% | 1,162 |
| Retained earnings to average equity (ytd only) | 1.4970% | 4,102 |
| Net charge-offs to loans | 0.0305% | 1,460 |
| Credit loss provision to net charge-offs | -117.6471% | 4,584 |
| Earnings coverage of net charge-offs (x) | 74.6353% | 1,125 |
| Efficiency ratio | 70.9545% | 1,569 |
| Assets per employee ($millions) | 4.7683% | 3,841 |
| Cash dividends to net income (ytd only)* | 90.2823% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,344 |
| Loan loss allowance to noncurrent loans | 3,760.2564% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,725 |
| Noncurrent loans to loans | 0.0267% | 3,598 |
| Net loans and leases to total assets | 53.1300% | 3,273 |
| Net loans and leases to deposits | 59.0972% | 3,387 |
| Net loans and leases to core deposits | 62.9210% | 3,333 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 5.2498% | 4,304 |
| Core capital (leverage) ratio | 7.8960% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3054% | 1,292 |
| Memoranda: | ||
| Average total assets | $546,199,000 | 1,617 |
| Average earning assets | $508,511,800 | 1,611 |
| Average equity | $34,268,400 | 2,142 |
| Average total loans | $278,682,800 | 1,823 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 2,507 |
| Cost of funding earning assets | 0.3148% | 2,018 |
| Net interest margin | 3.2204% | 2,566 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 2.9618% | 954 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.9175% | 2,807 |
| Return on assets (ROA) | 0.9116% | 2,797 |
| Pretax return on assets | 1.1252% | 2,642 |
| Return on Equity (ROE) | 13.9600% | 1,438 |
| Retained earnings to average equity (ytd only) | -1.2660% | 4,443 |
| Net charge-offs to loans | 0.0145% | 1,586 |
| Credit loss provision to net charge-offs | -333.3333% | 4,678 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 745 |
| Efficiency ratio | 71.9403% | 1,518 |
| Assets per employee ($millions) | 4.6728% | 3,929 |
| Cash dividends to net income (ytd only)* | 109.0666% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,240 |
| Loan loss allowance to noncurrent loans | 2,532.2034% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,727 |
| Noncurrent loans to loans | 0.0416% | 3,591 |
| Net loans and leases to total assets | 52.2900% | 3,253 |
| Net loans and leases to deposits | 57.0206% | 3,403 |
| Net loans and leases to core deposits | 60.0864% | 3,380 |
| Total domestic deposits to total assets | 91.7000% | 973 |
| Equity capital to assets | 5.2208% | 4,228 |
| Core capital (leverage) ratio | 7.9107% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4645% | 1,293 |
| Memoranda: | ||
| Average total assets | $546,853,500 | 1,627 |
| Average earning assets | $509,867,250 | 1,622 |
| Average equity | $35,701,250 | 2,112 |
| Average total loans | $275,417,750 | 1,829 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 2,421 |
| Cost of funding earning assets | 0.3100% | 1,623 |
| Net interest margin | 3.0933% | 2,554 |
| Noninterest income to average assets | 1.0625% | 589 |
| Noninterest expense to average assets | 2.9105% | 976 |
| Loan and lease loss provision to assets | -0.0364% | 4,482 |
| Net operating income to assets | 0.8746% | 2,687 |
| Return on assets (ROA) | 0.8967% | 2,573 |
| Pretax return on assets | 1.1080% | 2,378 |
| Return on Equity (ROE) | 12.8941% | 1,408 |
| Retained earnings to average equity (ytd only) | -4.8366% | 4,531 |
| Net charge-offs to loans | 0.0103% | 1,604 |
| Credit loss provision to net charge-offs | -714.2857% | 3,460 |
| Earnings coverage of net charge-offs (x) | 205.1429% | 533 |
| Efficiency ratio | 72.7381% | 1,664 |
| Assets per employee ($millions) | 4.9184% | 3,744 |
| Cash dividends to net income (ytd only)* | 137.5101% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,209 |
| Loan loss allowance to noncurrent loans | 988.1579% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,412 |
| Noncurrent loans to loans | 0.1100% | 3,200 |
| Net loans and leases to total assets | 49.1789% | 3,453 |
| Net loans and leases to deposits | 52.3799% | 3,658 |
| Net loans and leases to core deposits | 54.8512% | 3,647 |
| Total domestic deposits to total assets | 93.8890% | 301 |
| Equity capital to assets | 5.7656% | 4,283 |
| Core capital (leverage) ratio | 7.6495% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3761% | 1,333 |
| Memoranda: | ||
| Average total assets | $550,013,333 | 1,628 |
| Average earning assets | $514,274,333 | 1,625 |
| Average equity | $38,250,000 | 2,072 |
| Average total loans | $272,569,000 | 1,842 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 2,401 |
| Cost of funding earning assets | 0.3068% | 1,589 |
| Net interest margin | 2.9879% | 2,537 |
| Noninterest income to average assets | 1.1456% | 524 |
| Noninterest expense to average assets | 2.9134% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8425% | 2,513 |
| Return on assets (ROA) | 0.8342% | 2,534 |
| Pretax return on assets | 1.0272% | 2,359 |
| Return on Equity (ROE) | 11.0367% | 1,608 |
| Retained earnings to average equity (ytd only) | 4.2270% | 2,861 |
| Net charge-offs to loans | 0.0192% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 109.1538% | 648 |
| Efficiency ratio | 72.8905% | 1,868 |
| Assets per employee ($millions) | 4.6663% | 4,026 |
| Cash dividends to net income (ytd only)* | 61.7003% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,096 |
| Loan loss allowance to noncurrent loans | 1,859.2814% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,731 |
| Noncurrent loans to loans | 0.0619% | 3,547 |
| Net loans and leases to total assets | 48.4365% | 3,340 |
| Net loans and leases to deposits | 52.2261% | 3,554 |
| Net loans and leases to core deposits | 54.7084% | 3,545 |
| Total domestic deposits to total assets | 92.7438% | 332 |
| Equity capital to assets | 6.9338% | 4,240 |
| Core capital (leverage) ratio | 8.1274% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1925% | 1,216 |
| Memoranda: | ||
| Average total assets | $547,129,500 | 1,643 |
| Average earning assets | $513,665,000 | 1,641 |
| Average equity | $41,353,000 | 2,001 |
| Average total loans | $270,688,000 | 1,834 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 2,045 |
| Cost of funding earning assets | 0.3675% | 1,781 |
| Net interest margin | 3.3561% | 2,146 |
| Noninterest income to average assets | 1.2768% | 654 |
| Noninterest expense to average assets | 3.0108% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1124% | 2,237 |
| Return on assets (ROA) | 1.1335% | 2,215 |
| Pretax return on assets | 1.4222% | 1,971 |
| Return on Equity (ROE) | 13.0467% | 1,449 |
| Retained earnings to average equity (ytd only) | 6.6684% | 2,049 |
| Net charge-offs to loans | -0.0053% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4931% | 2,054 |
| Assets per employee ($millions) | 4.6865% | 3,977 |
| Cash dividends to net income (ytd only)* | 48.8885% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,134 |
| Loan loss allowance to noncurrent loans | 407.0496% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,819 |
| Noncurrent loans to loans | 0.2821% | 2,588 |
| Net loans and leases to total assets | 49.3806% | 3,365 |
| Net loans and leases to deposits | 54.0380% | 3,597 |
| Net loans and leases to core deposits | 57.0222% | 3,548 |
| Total domestic deposits to total assets | 91.3812% | 353 |
| Equity capital to assets | 8.1906% | 4,240 |
| Core capital (leverage) ratio | 8.1826% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1895% | 1,218 |
| Memoranda: | ||
| Average total assets | $508,002,000 | 1,679 |
| Average earning assets | $473,764,600 | 1,677 |
| Average equity | $44,133,800 | 1,945 |
| Average total loans | $282,722,400 | 1,776 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 1,997 |
| Cost of funding earning assets | 0.3818% | 1,844 |
| Net interest margin | 3.4284% | 2,079 |
| Noninterest income to average assets | 1.3157% | 682 |
| Noninterest expense to average assets | 3.0561% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1634% | 2,312 |
| Return on assets (ROA) | 1.1802% | 2,287 |
| Pretax return on assets | 1.4714% | 2,076 |
| Return on Equity (ROE) | 13.3768% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.9851% | 2,426 |
| Net charge-offs to loans | -0.0126% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9927% | 1,973 |
| Assets per employee ($millions) | 4.3005% | 4,265 |
| Cash dividends to net income (ytd only)* | 47.7818% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 3,249 |
| Loan loss allowance to noncurrent loans | 638.9796% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,349 |
| Noncurrent loans to loans | 0.1786% | 3,237 |
| Net loans and leases to total assets | 51.6936% | 3,222 |
| Net loans and leases to deposits | 56.7542% | 3,511 |
| Net loans and leases to core deposits | 59.9534% | 3,470 |
| Total domestic deposits to total assets | 91.0833% | 341 |
| Equity capital to assets | 8.5456% | 4,181 |
| Core capital (leverage) ratio | 8.2497% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2302% | 1,302 |
| Memoranda: | ||
| Average total assets | $499,093,250 | 1,713 |
| Average earning assets | $464,499,250 | 1,718 |
| Average equity | $44,035,500 | 1,970 |
| Average total loans | $285,510,750 | 1,795 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 2,035 |
| Cost of funding earning assets | 0.4008% | 1,879 |
| Net interest margin | 3.4127% | 2,099 |
| Noninterest income to average assets | 1.3878% | 618 |
| Noninterest expense to average assets | 3.0650% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1872% | 2,238 |
| Return on assets (ROA) | 1.2198% | 2,189 |
| Pretax return on assets | 1.5227% | 1,952 |
| Return on Equity (ROE) | 13.6719% | 1,510 |
| Retained earnings to average equity (ytd only) | 7.2426% | 2,345 |
| Net charge-offs to loans | -0.0124% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5740% | 2,075 |
| Assets per employee ($millions) | 4.3773% | 4,200 |
| Cash dividends to net income (ytd only)* | 47.0254% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,354 |
| Loan loss allowance to noncurrent loans | 313.9839% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,994 |
| Noncurrent loans to loans | 0.3549% | 2,629 |
| Net loans and leases to total assets | 53.6141% | 3,179 |
| Net loans and leases to deposits | 58.8962% | 3,467 |
| Net loans and leases to core deposits | 62.5041% | 3,417 |
| Total domestic deposits to total assets | 91.0314% | 364 |
| Equity capital to assets | 8.6201% | 4,113 |
| Core capital (leverage) ratio | 8.2840% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1125% | 1,311 |
| Memoranda: | ||
| Average total assets | $490,569,333 | 1,735 |
| Average earning assets | $454,125,333 | 1,746 |
| Average equity | $43,768,667 | 1,968 |
| Average total loans | $289,231,333 | 1,787 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 1,923 |
| Cost of funding earning assets | 0.4195% | 1,941 |
| Net interest margin | 3.4452% | 1,978 |
| Noninterest income to average assets | 1.4984% | 600 |
| Noninterest expense to average assets | 3.0788% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2712% | 1,917 |
| Return on assets (ROA) | 1.3074% | 1,888 |
| Pretax return on assets | 1.6424% | 1,619 |
| Return on Equity (ROE) | 14.3902% | 1,348 |
| Retained earnings to average equity (ytd only) | 7.9003% | 2,276 |
| Net charge-offs to loans | 0.0082% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 317.8333% | 285 |
| Efficiency ratio | 65.0188% | 2,351 |
| Assets per employee ($millions) | 4.1398% | 4,391 |
| Cash dividends to net income (ytd only)* | 45.0993% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,549 |
| Loan loss allowance to noncurrent loans | 226.6277% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 2,764 |
| Noncurrent loans to loans | 0.4739% | 2,434 |
| Net loans and leases to total assets | 57.9216% | 2,811 |
| Net loans and leases to deposits | 63.7640% | 3,147 |
| Net loans and leases to core deposits | 67.8458% | 3,074 |
| Total domestic deposits to total assets | 90.8374% | 455 |
| Equity capital to assets | 8.7734% | 3,891 |
| Core capital (leverage) ratio | 8.6942% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0750% | 1,275 |
| Memoranda: | ||
| Average total assets | $477,591,500 | 1,757 |
| Average earning assets | $440,493,500 | 1,778 |
| Average equity | $43,390,500 | 1,970 |
| Average total loans | $293,821,500 | 1,776 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 1,160 |
| Cost of funding earning assets | 0.5819% | 2,435 |
| Net interest margin | 3.9863% | 1,000 |
| Noninterest income to average assets | 1.3467% | 642 |
| Noninterest expense to average assets | 3.3617% | 833 |
| Loan and lease loss provision to assets | 0.1266% | 2,777 |
| Net operating income to assets | 1.2492% | 1,383 |
| Return on assets (ROA) | 1.2503% | 1,489 |
| Pretax return on assets | 1.5255% | 1,253 |
| Return on Equity (ROE) | 12.5644% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.9348% | 1,824 |
| Net charge-offs to loans | 0.0880% | 1,581 |
| Credit loss provision to net charge-offs | 208.4942% | 2,119 |
| Earnings coverage of net charge-offs (x) | 27.1931% | 1,691 |
| Efficiency ratio | 66.1991% | 2,499 |
| Assets per employee ($millions) | 4.0574% | 4,332 |
| Cash dividends to net income (ytd only)* | 52.7648% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,731 |
| Loan loss allowance to noncurrent loans | 248.4388% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,897 |
| Noncurrent loans to loans | 0.4174% | 2,727 |
| Net loans and leases to total assets | 64.0150% | 2,362 |
| Net loans and leases to deposits | 71.0552% | 2,776 |
| Net loans and leases to core deposits | 76.0299% | 2,726 |
| Total domestic deposits to total assets | 90.0918% | 531 |
| Equity capital to assets | 9.4174% | 3,685 |
| Core capital (leverage) ratio | 8.9152% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7432% | 1,327 |
| Memoranda: | ||
| Average total assets | $426,683,400 | 1,777 |
| Average earning assets | $392,365,800 | 1,788 |
| Average equity | $42,461,200 | 1,925 |
| Average total loans | $294,175,200 | 1,704 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,130 |
| Cost of funding earning assets | 0.6137% | 2,525 |
| Net interest margin | 4.0585% | 982 |
| Noninterest income to average assets | 1.2972% | 648 |
| Noninterest expense to average assets | 3.3990% | 800 |
| Loan and lease loss provision to assets | 0.1149% | 2,885 |
| Net operating income to assets | 1.2423% | 1,512 |
| Return on assets (ROA) | 1.2423% | 1,629 |
| Pretax return on assets | 1.5155% | 1,419 |
| Return on Equity (ROE) | 12.3006% | 1,299 |
| Retained earnings to average equity (ytd only) | 7.8538% | 1,358 |
| Net charge-offs to loans | 0.1138% | 1,212 |
| Credit loss provision to net charge-offs | 144.0000% | 2,360 |
| Earnings coverage of net charge-offs (x) | 20.4320% | 1,899 |
| Efficiency ratio | 66.7005% | 2,368 |
| Assets per employee ($millions) | 3.7767% | 4,497 |
| Cash dividends to net income (ytd only)* | 36.1511% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 3,756 |
| Loan loss allowance to noncurrent loans | 255.6234% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 3,072 |
| Noncurrent loans to loans | 0.3861% | 2,909 |
| Net loans and leases to total assets | 65.4491% | 2,586 |
| Net loans and leases to deposits | 72.8642% | 3,052 |
| Net loans and leases to core deposits | 78.9985% | 2,924 |
| Total domestic deposits to total assets | 89.8234% | 490 |
| Equity capital to assets | 9.7062% | 3,510 |
| Core capital (leverage) ratio | 9.3257% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0674% | 1,234 |
| Memoranda: | ||
| Average total assets | $417,717,250 | 1,781 |
| Average earning assets | $384,138,250 | 1,800 |
| Average equity | $42,186,500 | 1,926 |
| Average total loans | $292,918,250 | 1,710 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,142 |
| Cost of funding earning assets | 0.6549% | 2,664 |
| Net interest margin | 4.1564% | 1,007 |
| Noninterest income to average assets | 1.3730% | 550 |
| Noninterest expense to average assets | 3.4381% | 810 |
| Loan and lease loss provision to assets | 0.0884% | 3,171 |
| Net operating income to assets | 1.3617% | 1,199 |
| Return on assets (ROA) | 1.3617% | 1,291 |
| Pretax return on assets | 1.6746% | 1,044 |
| Return on Equity (ROE) | 13.2925% | 1,037 |
| Retained earnings to average equity (ytd only) | 6.5456% | 1,846 |
| Net charge-offs to loans | 0.1008% | 1,264 |
| Credit loss provision to net charge-offs | 122.4490% | 2,267 |
| Earnings coverage of net charge-offs (x) | 24.4150% | 1,579 |
| Efficiency ratio | 65.2248% | 2,628 |
| Assets per employee ($millions) | 3.5939% | 4,605 |
| Cash dividends to net income (ytd only)* | 50.7576% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,699 |
| Loan loss allowance to noncurrent loans | 231.3614% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,187 |
| Noncurrent loans to loans | 0.4202% | 2,905 |
| Net loans and leases to total assets | 66.8695% | 2,514 |
| Net loans and leases to deposits | 74.6434% | 3,015 |
| Net loans and leases to core deposits | 81.4620% | 2,820 |
| Total domestic deposits to total assets | 89.5853% | 537 |
| Equity capital to assets | 9.7807% | 3,390 |
| Core capital (leverage) ratio | 9.4539% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8930% | 1,267 |
| Memoranda: | ||
| Average total assets | $407,145,333 | 1,789 |
| Average earning assets | $374,991,667 | 1,806 |
| Average equity | $41,707,667 | 1,928 |
| Average total loans | $291,530,333 | 1,701 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 1,006 |
| Cost of funding earning assets | 0.7060% | 2,908 |
| Net interest margin | 4.2767% | 796 |
| Noninterest income to average assets | 1.3690% | 473 |
| Noninterest expense to average assets | 3.4631% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4808% | 821 |
| Return on assets (ROA) | 1.4808% | 895 |
| Pretax return on assets | 1.8490% | 631 |
| Return on Equity (ROE) | 14.1032% | 678 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,448 |
| Net charge-offs to loans | 0.1170% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.3882% | 1,389 |
| Efficiency ratio | 64.3117% | 3,188 |
| Assets per employee ($millions) | 3.3437% | 4,606 |
| Cash dividends to net income (ytd only)* | 48.3516% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 3,958 |
| Loan loss allowance to noncurrent loans | 250.4117% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,356 |
| Noncurrent loans to loans | 0.3766% | 3,133 |
| Net loans and leases to total assets | 72.2491% | 1,878 |
| Net loans and leases to deposits | 81.2629% | 2,550 |
| Net loans and leases to core deposits | 89.9075% | 2,353 |
| Total domestic deposits to total assets | 88.9079% | 704 |
| Equity capital to assets | 10.5088% | 3,311 |
| Core capital (leverage) ratio | 10.0618% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6680% | 1,199 |
| Memoranda: | ||
| Average total assets | $393,290,000 | 1,792 |
| Average earning assets | $362,615,000 | 1,806 |
| Average equity | $41,295,500 | 1,940 |
| Average total loans | $290,475,000 | 1,674 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 1,092 |
| Cost of funding earning assets | 0.6738% | 3,291 |
| Net interest margin | 4.4838% | 739 |
| Noninterest income to average assets | 1.3368% | 534 |
| Noninterest expense to average assets | 3.6127% | 844 |
| Loan and lease loss provision to assets | 0.0659% | 2,698 |
| Net operating income to assets | 1.4326% | 1,236 |
| Return on assets (ROA) | 1.4322% | 1,304 |
| Pretax return on assets | 1.8232% | 883 |
| Return on Equity (ROE) | 13.3747% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.2734% | 3,878 |
| Net charge-offs to loans | 0.0474% | 2,438 |
| Credit loss provision to net charge-offs | 183.8235% | 1,435 |
| Earnings coverage of net charge-offs (x) | 52.7353% | 1,085 |
| Efficiency ratio | 63.8958% | 3,087 |
| Assets per employee ($millions) | 3.3507% | 4,607 |
| Cash dividends to net income (ytd only)* | 83.0022% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,646 |
| Loan loss allowance to noncurrent loans | 407.8035% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,761 |
| Noncurrent loans to loans | 0.2380% | 3,592 |
| Net loans and leases to total assets | 74.0743% | 1,735 |
| Net loans and leases to deposits | 83.3089% | 2,411 |
| Net loans and leases to core deposits | 92.1648% | 2,224 |
| Total domestic deposits to total assets | 88.9152% | 705 |
| Equity capital to assets | 10.4910% | 3,455 |
| Core capital (leverage) ratio | 9.8519% | 3,674 |
| Tier 1 risk-based capital ratio | 16.1956% | 2,333 |
| Total risk-based capital ratio | 17.4048% | 2,300 |
| Memoranda: | ||
| Average total assets | $379,553,600 | 1,806 |
| Average earning assets | $352,604,200 | 1,806 |
| Average equity | $40,643,800 | 1,905 |
| Average total loans | $286,840,200 | 1,660 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 1,122 |
| Cost of funding earning assets | 0.6683% | 3,360 |
| Net interest margin | 4.4944% | 781 |
| Noninterest income to average assets | 1.3504% | 511 |
| Noninterest expense to average assets | 3.6694% | 781 |
| Loan and lease loss provision to assets | 0.0884% | 2,136 |
| Net operating income to assets | 1.3944% | 1,490 |
| Return on assets (ROA) | 1.3938% | 1,554 |
| Pretax return on assets | 1.7727% | 1,154 |
| Return on Equity (ROE) | 12.9486% | 1,293 |
| Retained earnings to average equity (ytd only) | 6.7567% | 1,977 |
| Net charge-offs to loans | 0.0508% | 2,102 |
| Credit loss provision to net charge-offs | 229.3578% | 1,173 |
| Earnings coverage of net charge-offs (x) | 48.3301% | 1,223 |
| Efficiency ratio | 64.2898% | 2,959 |
| Assets per employee ($millions) | 3.2088% | 4,746 |
| Cash dividends to net income (ytd only)* | 47.8194% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,663 |
| Loan loss allowance to noncurrent loans | 390.2740% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,792 |
| Noncurrent loans to loans | 0.2521% | 3,637 |
| Net loans and leases to total assets | 75.7255% | 1,527 |
| Net loans and leases to deposits | 85.6294% | 2,243 |
| Net loans and leases to core deposits | 94.7632% | 2,103 |
| Total domestic deposits to total assets | 88.4340% | 854 |
| Equity capital to assets | 11.0755% | 3,037 |
| Core capital (leverage) ratio | 10.3476% | 3,259 |
| Tier 1 risk-based capital ratio | 16.8454% | 2,135 |
| Total risk-based capital ratio | 18.0797% | 2,087 |
| Memoranda: | ||
| Average total assets | $377,273,000 | 1,828 |
| Average earning assets | $350,947,250 | 1,828 |
| Average equity | $40,610,750 | 1,912 |
| Average total loans | $285,867,500 | 1,675 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 1,181 |
| Cost of funding earning assets | 0.6662% | 3,333 |
| Net interest margin | 4.4519% | 848 |
| Noninterest income to average assets | 1.2558% | 551 |
| Noninterest expense to average assets | 3.6633% | 782 |
| Loan and lease loss provision to assets | 0.0531% | 2,756 |
| Net operating income to assets | 1.3288% | 1,663 |
| Return on assets (ROA) | 1.3280% | 1,724 |
| Pretax return on assets | 1.6846% | 1,305 |
| Return on Equity (ROE) | 12.4574% | 1,427 |
| Retained earnings to average equity (ytd only) | 6.1988% | 2,192 |
| Net charge-offs to loans | 0.0646% | 1,733 |
| Credit loss provision to net charge-offs | 108.6957% | 1,857 |
| Earnings coverage of net charge-offs (x) | 35.6087% | 1,322 |
| Efficiency ratio | 66.5848% | 2,736 |
| Assets per employee ($millions) | 3.2686% | 4,723 |
| Cash dividends to net income (ytd only)* | 50.2398% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,895 |
| Loan loss allowance to noncurrent loans | 1,729.9363% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,565 |
| Noncurrent loans to loans | 0.0546% | 4,440 |
| Net loans and leases to total assets | 73.8322% | 1,919 |
| Net loans and leases to deposits | 83.1797% | 2,581 |
| Net loans and leases to core deposits | 90.9714% | 2,512 |
| Total domestic deposits to total assets | 88.7622% | 758 |
| Equity capital to assets | 10.6492% | 3,390 |
| Core capital (leverage) ratio | 10.0100% | 3,573 |
| Tier 1 risk-based capital ratio | 16.8451% | 2,132 |
| Total risk-based capital ratio | 18.0484% | 2,085 |
| Memoranda: | ||
| Average total assets | $376,818,670 | 1,840 |
| Average earning assets | $350,950,000 | 1,830 |
| Average equity | $40,169,000 | 1,923 |
| Average total loans | $284,632,330 | 1,692 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 1,156 |
| Cost of funding earning assets | 0.6704% | 3,201 |
| Net interest margin | 4.4025% | 898 |
| Noninterest income to average assets | 1.4029% | 437 |
| Noninterest expense to average assets | 3.7359% | 708 |
| Loan and lease loss provision to assets | 0.1074% | 1,653 |
| Net operating income to assets | 1.3169% | 1,638 |
| Return on assets (ROA) | 1.3169% | 1,681 |
| Pretax return on assets | 1.6650% | 1,298 |
| Return on Equity (ROE) | 12.3474% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.0226% | 2,449 |
| Net charge-offs to loans | 0.0494% | 1,577 |
| Credit loss provision to net charge-offs | 285.7143% | 855 |
| Earnings coverage of net charge-offs (x) | 47.1429% | 1,059 |
| Efficiency ratio | 66.4392% | 2,876 |
| Assets per employee ($millions) | 3.1496% | 4,874 |
| Cash dividends to net income (ytd only)* | 51.2235% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,880 |
| Loan loss allowance to noncurrent loans | 778.9326% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,061 |
| Noncurrent loans to loans | 0.1243% | 4,180 |
| Net loans and leases to total assets | 76.3204% | 1,426 |
| Net loans and leases to deposits | 87.0039% | 1,999 |
| Net loans and leases to core deposits | 94.8513% | 2,040 |
| Total domestic deposits to total assets | 87.7207% | 1,468 |
| Equity capital to assets | 10.8183% | 3,028 |
| Core capital (leverage) ratio | 10.0483% | 3,550 |
| Tier 1 risk-based capital ratio | 16.6167% | 2,222 |
| Total risk-based capital ratio | 17.8605% | 2,182 |
| Memoranda: | ||
| Average total assets | $372,382,500 | 1,866 |
| Average earning assets | $347,256,000 | 1,861 |
| Average equity | $39,717,000 | 1,932 |
| Average total loans | $283,208,500 | 1,706 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 1,271 |
| Cost of funding earning assets | 0.5516% | 3,041 |
| Net interest margin | 4.3539% | 1,025 |
| Noninterest income to average assets | 1.3110% | 538 |
| Noninterest expense to average assets | 3.6256% | 840 |
| Loan and lease loss provision to assets | 0.1651% | 1,228 |
| Net operating income to assets | 1.2247% | 2,065 |
| Return on assets (ROA) | 1.2169% | 2,091 |
| Pretax return on assets | 1.5422% | 1,649 |
| Return on Equity (ROE) | 11.6134% | 1,859 |
| Retained earnings to average equity (ytd only) | 5.0188% | 2,758 |
| Net charge-offs to loans | 0.0772% | 2,021 |
| Credit loss provision to net charge-offs | 288.4615% | 1,055 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,601 |
| Efficiency ratio | 66.4074% | 2,798 |
| Assets per employee ($millions) | 3.1619% | 4,877 |
| Cash dividends to net income (ytd only)* | 56.7843% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,873 |
| Loan loss allowance to noncurrent loans | 696.1440% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 4,043 |
| Noncurrent loans to loans | 0.1389% | 4,114 |
| Net loans and leases to total assets | 74.3178% | 1,883 |
| Net loans and leases to deposits | 86.3131% | 2,237 |
| Net loans and leases to core deposits | 93.6094% | 2,262 |
| Total domestic deposits to total assets | 86.1026% | 2,180 |
| Equity capital to assets | 10.5136% | 3,173 |
| Core capital (leverage) ratio | 9.9537% | 3,639 |
| Tier 1 risk-based capital ratio | 16.5715% | 2,217 |
| Total risk-based capital ratio | 17.8051% | 2,168 |
| Memoranda: | ||
| Average total assets | $363,385,800 | 1,862 |
| Average earning assets | $336,505,000 | 1,862 |
| Average equity | $38,076,600 | 1,935 |
| Average total loans | $269,258,600 | 1,732 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 1,271 |
| Cost of funding earning assets | 0.5401% | 2,931 |
| Net interest margin | 4.3217% | 1,068 |
| Noninterest income to average assets | 1.2917% | 579 |
| Noninterest expense to average assets | 3.6417% | 803 |
| Loan and lease loss provision to assets | 0.1662% | 1,134 |
| Net operating income to assets | 1.1696% | 2,364 |
| Return on assets (ROA) | 1.1591% | 2,417 |
| Pretax return on assets | 1.4664% | 2,012 |
| Return on Equity (ROE) | 11.0717% | 2,148 |
| Retained earnings to average equity (ytd only) | 4.4280% | 3,536 |
| Net charge-offs to loans | 0.0680% | 1,863 |
| Credit loss provision to net charge-offs | 330.8824% | 955 |
| Earnings coverage of net charge-offs (x) | 32.7645% | 1,535 |
| Efficiency ratio | 67.3908% | 2,645 |
| Assets per employee ($millions) | 3.0097% | 5,032 |
| Cash dividends to net income (ytd only)* | 60.0062% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,035 |
| Loan loss allowance to noncurrent loans | 559.5745% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,125 |
| Noncurrent loans to loans | 0.1705% | 4,125 |
| Net loans and leases to total assets | 74.9752% | 1,816 |
| Net loans and leases to deposits | 85.7211% | 2,394 |
| Net loans and leases to core deposits | 92.7577% | 2,410 |
| Total domestic deposits to total assets | 87.4641% | 1,506 |
| Equity capital to assets | 10.5146% | 3,127 |
| Core capital (leverage) ratio | 9.8653% | 3,780 |
| Tier 1 risk-based capital ratio | 16.4374% | 2,291 |
| Total risk-based capital ratio | 17.6500% | 2,243 |
| Memoranda: | ||
| Average total assets | $360,955,500 | 1,879 |
| Average earning assets | $333,749,750 | 1,886 |
| Average equity | $37,789,000 | 1,952 |
| Average total loans | $266,575,000 | 1,753 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,239 |
| Cost of funding earning assets | 0.5275% | 2,779 |
| Net interest margin | 4.2763% | 1,087 |
| Noninterest income to average assets | 1.2699% | 599 |
| Noninterest expense to average assets | 3.6679% | 799 |
| Loan and lease loss provision to assets | 0.1667% | 1,102 |
| Net operating income to assets | 1.0976% | 2,590 |
| Return on assets (ROA) | 1.0976% | 2,600 |
| Pretax return on assets | 1.3860% | 2,198 |
| Return on Equity (ROE) | 10.4993% | 2,332 |
| Retained earnings to average equity (ytd only) | 3.8276% | 3,687 |
| Net charge-offs to loans | 0.0797% | 1,533 |
| Credit loss provision to net charge-offs | 285.7143% | 1,039 |
| Earnings coverage of net charge-offs (x) | 26.6095% | 1,596 |
| Efficiency ratio | 68.7567% | 2,519 |
| Assets per employee ($millions) | 2.9632% | 5,122 |
| Cash dividends to net income (ytd only)* | 63.5443% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,193 |
| Loan loss allowance to noncurrent loans | 802.2364% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,248 |
| Noncurrent loans to loans | 0.1162% | 4,387 |
| Net loans and leases to total assets | 73.7968% | 1,978 |
| Net loans and leases to deposits | 83.2319% | 2,619 |
| Net loans and leases to core deposits | 89.8373% | 2,584 |
| Total domestic deposits to total assets | 88.6641% | 1,073 |
| Equity capital to assets | 10.4712% | 3,153 |
| Core capital (leverage) ratio | 9.7863% | 3,803 |
| Tier 1 risk-based capital ratio | 15.8102% | 2,506 |
| Total risk-based capital ratio | 16.9430% | 2,495 |
| Memoranda: | ||
| Average total assets | $359,883,670 | 1,886 |
| Average earning assets | $332,482,330 | 1,898 |
| Average equity | $37,621,670 | 1,959 |
| Average total loans | $263,544,000 | 1,775 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,231 |
| Cost of funding earning assets | 0.5182% | 2,655 |
| Net interest margin | 4.2142% | 1,147 |
| Noninterest income to average assets | 1.2789% | 569 |
| Noninterest expense to average assets | 3.6784% | 793 |
| Loan and lease loss provision to assets | 0.1671% | 1,068 |
| Net operating income to assets | 1.0616% | 2,599 |
| Return on assets (ROA) | 1.0616% | 2,608 |
| Pretax return on assets | 1.3379% | 2,226 |
| Return on Equity (ROE) | 10.1638% | 2,350 |
| Retained earnings to average equity (ytd only) | 3.4768% | 3,812 |
| Net charge-offs to loans | 0.0552% | 1,554 |
| Credit loss provision to net charge-offs | 416.6667% | 673 |
| Earnings coverage of net charge-offs (x) | 37.5278% | 1,103 |
| Efficiency ratio | 69.4391% | 2,591 |
| Assets per employee ($millions) | 3.0856% | 5,102 |
| Cash dividends to net income (ytd only)* | 65.7922% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,283 |
| Loan loss allowance to noncurrent loans | 837.9310% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 4,518 |
| Noncurrent loans to loans | 0.1116% | 4,467 |
| Net loans and leases to total assets | 72.5509% | 2,083 |
| Net loans and leases to deposits | 81.9982% | 2,599 |
| Net loans and leases to core deposits | 88.4916% | 2,591 |
| Total domestic deposits to total assets | 88.4787% | 1,366 |
| Equity capital to assets | 10.5645% | 3,010 |
| Core capital (leverage) ratio | 9.8695% | 3,689 |
| Tier 1 risk-based capital ratio | 16.6851% | 2,216 |
| Total risk-based capital ratio | 17.8576% | 2,184 |
| Memoranda: | ||
| Average total assets | $359,072,500 | 1,901 |
| Average earning assets | $332,687,000 | 1,913 |
| Average equity | $37,505,500 | 1,976 |
| Average total loans | $260,670,500 | 1,790 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,422 |
| Cost of funding earning assets | 0.5338% | 2,078 |
| Net interest margin | 4.0684% | 1,534 |
| Noninterest income to average assets | 1.3093% | 615 |
| Noninterest expense to average assets | 3.5486% | 960 |
| Loan and lease loss provision to assets | 0.0140% | 4,009 |
| Net operating income to assets | 1.0212% | 2,145 |
| Return on assets (ROA) | 1.0148% | 2,213 |
| Pretax return on assets | 1.5023% | 1,638 |
| Return on Equity (ROE) | 9.8962% | 1,933 |
| Retained earnings to average equity (ytd only) | 4.7681% | 2,280 |
| Net charge-offs to loans | 0.1040% | 2,022 |
| Credit loss provision to net charge-offs | 18.7266% | 3,621 |
| Earnings coverage of net charge-offs (x) | 20.4307% | 1,962 |
| Efficiency ratio | 68.3662% | 2,825 |
| Assets per employee ($millions) | 3.0789% | 5,139 |
| Cash dividends to net income (ytd only)* | 51.8192% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,541 |
| Loan loss allowance to noncurrent loans | 325.7384% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 4,007 |
| Noncurrent loans to loans | 0.2719% | 3,811 |
| Net loans and leases to total assets | 71.3327% | 2,334 |
| Net loans and leases to deposits | 80.4532% | 2,866 |
| Net loans and leases to core deposits | 86.5434% | 2,870 |
| Total domestic deposits to total assets | 88.6636% | 1,166 |
| Equity capital to assets | 10.3285% | 3,352 |
| Core capital (leverage) ratio | 9.4867% | 4,070 |
| Tier 1 risk-based capital ratio | 16.2955% | 2,331 |
| Total risk-based capital ratio | 17.3909% | 2,324 |
| Memoranda: | ||
| Average total assets | $357,519,000 | 1,880 |
| Average earning assets | $330,865,400 | 1,889 |
| Average equity | $36,660,600 | 2,000 |
| Average total loans | $256,652,600 | 1,775 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,434 |
| Cost of funding earning assets | 0.5283% | 2,047 |
| Net interest margin | 4.0467% | 1,555 |
| Noninterest income to average assets | 1.2971% | 635 |
| Noninterest expense to average assets | 3.5587% | 908 |
| Loan and lease loss provision to assets | 0.0187% | 3,768 |
| Net operating income to assets | 1.0050% | 2,532 |
| Return on assets (ROA) | 1.0050% | 2,573 |
| Pretax return on assets | 1.4656% | 1,894 |
| Return on Equity (ROE) | 9.8192% | 2,198 |
| Retained earnings to average equity (ytd only) | 4.9059% | 2,950 |
| Net charge-offs to loans | 0.1227% | 1,563 |
| Credit loss provision to net charge-offs | 21.2766% | 3,148 |
| Earnings coverage of net charge-offs (x) | 16.8678% | 2,147 |
| Efficiency ratio | 68.9857% | 2,712 |
| Assets per employee ($millions) | 3.1088% | 5,164 |
| Cash dividends to net income (ytd only)* | 50.0372% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,547 |
| Loan loss allowance to noncurrent loans | 221.9282% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,806 |
| Noncurrent loans to loans | 0.4078% | 3,477 |
| Net loans and leases to total assets | 71.2955% | 2,361 |
| Net loans and leases to deposits | 80.3985% | 2,933 |
| Net loans and leases to core deposits | 87.5121% | 2,820 |
| Total domestic deposits to total assets | 88.6776% | 1,024 |
| Equity capital to assets | 10.3346% | 3,554 |
| Core capital (leverage) ratio | 9.5732% | 4,065 |
| Tier 1 risk-based capital ratio | 16.2082% | 2,411 |
| Total risk-based capital ratio | 17.3278% | 2,409 |
| Memoranda: | ||
| Average total assets | $356,072,250 | 1,896 |
| Average earning assets | $329,610,250 | 1,907 |
| Average equity | $36,444,750 | 2,013 |
| Average total loans | $255,447,750 | 1,798 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,392 |
| Cost of funding earning assets | 0.5265% | 1,949 |
| Net interest margin | 4.0235% | 1,540 |
| Noninterest income to average assets | 1.2737% | 640 |
| Noninterest expense to average assets | 3.5949% | 878 |
| Loan and lease loss provision to assets | 0.0282% | 3,436 |
| Net operating income to assets | 0.9488% | 2,670 |
| Return on assets (ROA) | 0.9488% | 2,725 |
| Pretax return on assets | 1.3752% | 2,118 |
| Return on Equity (ROE) | 9.3005% | 2,363 |
| Retained earnings to average equity (ytd only) | 4.2632% | 3,171 |
| Net charge-offs to loans | 0.1181% | 1,461 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | 16.5867% | 1,976 |
| Efficiency ratio | 70.2742% | 2,628 |
| Assets per employee ($millions) | 3.1115% | 5,181 |
| Cash dividends to net income (ytd only)* | 54.1617% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,458 |
| Loan loss allowance to noncurrent loans | 214.9293% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,719 |
| Noncurrent loans to loans | 0.4383% | 3,442 |
| Net loans and leases to total assets | 70.8804% | 2,394 |
| Net loans and leases to deposits | 79.6812% | 2,948 |
| Net loans and leases to core deposits | 86.1929% | 2,861 |
| Total domestic deposits to total assets | 88.9550% | 977 |
| Equity capital to assets | 10.1714% | 3,710 |
| Core capital (leverage) ratio | 9.3221% | 4,339 |
| Tier 1 risk-based capital ratio | 16.0071% | 2,506 |
| Total risk-based capital ratio | 17.1705% | 2,476 |
| Memoranda: | ||
| Average total assets | $354,555,330 | 1,904 |
| Average earning assets | $328,223,000 | 1,917 |
| Average equity | $36,170,000 | 2,019 |
| Average total loans | $254,111,670 | 1,799 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,316 |
| Cost of funding earning assets | 0.5159% | 1,965 |
| Net interest margin | 4.0090% | 1,449 |
| Noninterest income to average assets | 1.3046% | 604 |
| Noninterest expense to average assets | 3.6395% | 841 |
| Loan and lease loss provision to assets | 0.0569% | 2,670 |
| Net operating income to assets | 0.9153% | 2,684 |
| Return on assets (ROA) | 0.9153% | 2,737 |
| Pretax return on assets | 1.3240% | 2,156 |
| Return on Equity (ROE) | 8.9585% | 2,442 |
| Retained earnings to average equity (ytd only) | 3.9667% | 3,462 |
| Net charge-offs to loans | 0.1286% | 1,151 |
| Credit loss provision to net charge-offs | 61.7284% | 1,895 |
| Earnings coverage of net charge-offs (x) | 14.9753% | 1,700 |
| Efficiency ratio | 70.8163% | 2,776 |
| Assets per employee ($millions) | 3.0720% | 5,298 |
| Cash dividends to net income (ytd only)* | 55.7214% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 4,325 |
| Loan loss allowance to noncurrent loans | 295.0472% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,242 |
| Noncurrent loans to loans | 0.3372% | 3,892 |
| Net loans and leases to total assets | 70.4756% | 2,298 |
| Net loans and leases to deposits | 79.4418% | 2,822 |
| Net loans and leases to core deposits | 85.7120% | 2,744 |
| Total domestic deposits to total assets | 88.7135% | 1,312 |
| Equity capital to assets | 10.2445% | 3,469 |
| Core capital (leverage) ratio | 9.4762% | 4,139 |
| Tier 1 risk-based capital ratio | 16.2354% | 2,462 |
| Total risk-based capital ratio | 17.4663% | 2,407 |
| Memoranda: | ||
| Average total assets | $351,367,000 | 1,927 |
| Average earning assets | $325,665,500 | 1,935 |
| Average equity | $35,899,000 | 2,035 |
| Average total loans | $252,036,000 | 1,825 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 1,149 |
| Cost of funding earning assets | 0.5640% | 1,576 |
| Net interest margin | 4.0949% | 1,388 |
| Noninterest income to average assets | 1.3855% | 593 |
| Noninterest expense to average assets | 3.5895% | 1,031 |
| Loan and lease loss provision to assets | 0.1111% | 2,210 |
| Net operating income to assets | 1.0241% | 2,243 |
| Return on assets (ROA) | 1.0274% | 2,334 |
| Pretax return on assets | 1.4850% | 1,640 |
| Return on Equity (ROE) | 9.8610% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.0598% | 2,306 |
| Net charge-offs to loans | 0.1112% | 2,155 |
| Credit loss provision to net charge-offs | 138.8889% | 1,969 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,888 |
| Efficiency ratio | 67.7700% | 3,285 |
| Assets per employee ($millions) | 3.0125% | 5,351 |
| Cash dividends to net income (ytd only)* | 48.6884% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,306 |
| Loan loss allowance to noncurrent loans | 303.3533% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,038 |
| Noncurrent loans to loans | 0.3306% | 3,955 |
| Net loans and leases to total assets | 71.5575% | 2,229 |
| Net loans and leases to deposits | 80.6981% | 2,817 |
| Net loans and leases to core deposits | 87.2061% | 2,755 |
| Total domestic deposits to total assets | 88.6732% | 1,284 |
| Equity capital to assets | 10.1891% | 3,498 |
| Core capital (leverage) ratio | 9.4149% | 4,205 |
| Tier 1 risk-based capital ratio | 16.0274% | 2,534 |
| Total risk-based capital ratio | 17.2611% | 2,478 |
| Memoranda: | ||
| Average total assets | $337,651,000 | 1,963 |
| Average earning assets | $312,950,200 | 1,961 |
| Average equity | $35,179,000 | 2,064 |
| Average total loans | $242,896,400 | 1,830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,099 |
| Cost of funding earning assets | 0.5675% | 1,563 |
| Net interest margin | 4.1162% | 1,352 |
| Noninterest income to average assets | 1.3556% | 639 |
| Noninterest expense to average assets | 3.5999% | 999 |
| Loan and lease loss provision to assets | 0.1494% | 1,570 |
| Net operating income to assets | 0.9896% | 2,484 |
| Return on assets (ROA) | 0.9955% | 2,593 |
| Pretax return on assets | 1.4313% | 1,937 |
| Return on Equity (ROE) | 9.5002% | 2,272 |
| Retained earnings to average equity (ytd only) | 4.7786% | 2,972 |
| Net charge-offs to loans | 0.1275% | 1,684 |
| Credit loss provision to net charge-offs | 163.0435% | 1,680 |
| Earnings coverage of net charge-offs (x) | 17.1608% | 2,065 |
| Efficiency ratio | 68.1223% | 3,205 |
| Assets per employee ($millions) | 2.9181% | 5,455 |
| Cash dividends to net income (ytd only)* | 49.6999% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 4,171 |
| Loan loss allowance to noncurrent loans | 409.0620% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 4,310 |
| Noncurrent loans to loans | 0.2547% | 4,355 |
| Net loans and leases to total assets | 70.3840% | 2,437 |
| Net loans and leases to deposits | 79.6991% | 3,005 |
| Net loans and leases to core deposits | 86.1890% | 2,932 |
| Total domestic deposits to total assets | 88.3121% | 1,231 |
| Equity capital to assets | 10.3076% | 3,793 |
| Core capital (leverage) ratio | 9.5400% | 4,133 |
| Tier 1 risk-based capital ratio | 16.1276% | 2,573 |
| Total risk-based capital ratio | 17.3780% | 2,524 |
| Memoranda: | ||
| Average total assets | $334,700,500 | 1,980 |
| Average earning assets | $310,340,250 | 1,976 |
| Average equity | $35,072,250 | 2,084 |
| Average total loans | $240,472,250 | 1,847 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,048 |
| Cost of funding earning assets | 0.5732% | 1,522 |
| Net interest margin | 4.1279% | 1,300 |
| Noninterest income to average assets | 1.3361% | 639 |
| Noninterest expense to average assets | 3.6095% | 995 |
| Loan and lease loss provision to assets | 0.2269% | 908 |
| Net operating income to assets | 0.9302% | 2,724 |
| Return on assets (ROA) | 0.9391% | 2,818 |
| Pretax return on assets | 1.3470% | 2,218 |
| Return on Equity (ROE) | 8.9113% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,265 |
| Net charge-offs to loans | 0.1502% | 1,426 |
| Credit loss provision to net charge-offs | 209.4972% | 1,257 |
| Earnings coverage of net charge-offs (x) | 14.4134% | 2,060 |
| Efficiency ratio | 68.3441% | 3,267 |
| Assets per employee ($millions) | 2.9444% | 5,486 |
| Cash dividends to net income (ytd only)* | 53.4794% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 4,091 |
| Loan loss allowance to noncurrent loans | 633.8164% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 4,534 |
| Noncurrent loans to loans | 0.1694% | 4,760 |
| Net loans and leases to total assets | 71.4168% | 2,260 |
| Net loans and leases to deposits | 80.8426% | 2,835 |
| Net loans and leases to core deposits | 86.9599% | 2,821 |
| Total domestic deposits to total assets | 88.3406% | 1,255 |
| Equity capital to assets | 10.4072% | 3,739 |
| Core capital (leverage) ratio | 9.4937% | 4,217 |
| Tier 1 risk-based capital ratio | 16.3731% | 2,475 |
| Total risk-based capital ratio | 17.6240% | 2,420 |
| Memoranda: | ||
| Average total assets | $330,518,000 | 2,015 |
| Average earning assets | $307,036,000 | 2,007 |
| Average equity | $34,832,000 | 2,096 |
| Average total loans | $238,303,000 | 1,864 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,079 |
| Cost of funding earning assets | 0.5748% | 1,512 |
| Net interest margin | 4.1100% | 1,310 |
| Noninterest income to average assets | 1.3489% | 610 |
| Noninterest expense to average assets | 3.4796% | 1,220 |
| Loan and lease loss provision to assets | 0.1838% | 1,086 |
| Net operating income to assets | 1.0564% | 2,065 |
| Return on assets (ROA) | 1.0733% | 2,112 |
| Pretax return on assets | 1.5560% | 1,417 |
| Return on Equity (ROE) | 10.1188% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.4637% | 2,677 |
| Net charge-offs to loans | 0.1377% | 1,286 |
| Credit loss provision to net charge-offs | 185.1852% | 1,130 |
| Earnings coverage of net charge-offs (x) | 17.2840% | 1,584 |
| Efficiency ratio | 65.5189% | 3,875 |
| Assets per employee ($millions) | 3.2946% | 5,138 |
| Cash dividends to net income (ytd only)* | 46.0046% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 4,304 |
| Loan loss allowance to noncurrent loans | 309.8015% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,420 |
| Noncurrent loans to loans | 0.3412% | 4,214 |
| Net loans and leases to total assets | 71.6614% | 2,092 |
| Net loans and leases to deposits | 81.4108% | 2,614 |
| Net loans and leases to core deposits | 88.4349% | 2,521 |
| Total domestic deposits to total assets | 88.0245% | 1,625 |
| Equity capital to assets | 10.7095% | 3,243 |
| Core capital (leverage) ratio | 9.8213% | 3,747 |
| Tier 1 risk-based capital ratio | 16.9419% | 2,309 |
| Total risk-based capital ratio | 18.1930% | 2,258 |
| Memoranda: | ||
| Average total assets | $326,476,500 | 2,048 |
| Average earning assets | $305,500,500 | 2,019 |
| Average equity | $34,628,500 | 2,107 |
| Average total loans | $235,233,500 | 1,878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 1,394 |
| Cost of funding earning assets | 0.6388% | 1,133 |
| Net interest margin | 3.9387% | 1,902 |
| Noninterest income to average assets | 1.1477% | 895 |
| Noninterest expense to average assets | 3.1364% | 2,128 |
| Loan and lease loss provision to assets | 0.2280% | 881 |
| Net operating income to assets | 1.0434% | 2,153 |
| Return on assets (ROA) | 1.0441% | 2,237 |
| Pretax return on assets | 1.4893% | 1,590 |
| Return on Equity (ROE) | 10.3602% | 1,860 |
| Retained earnings to average equity (ytd only) | 6.7620% | 1,398 |
| Net charge-offs to loans | 0.2384% | 1,252 |
| Credit loss provision to net charge-offs | 134.6499% | 1,944 |
| Earnings coverage of net charge-offs (x) | 10.1382% | 2,727 |
| Efficiency ratio | 64.6311% | 4,145 |
| Assets per employee ($millions) | 3.1727% | 5,319 |
| Cash dividends to net income (ytd only)* | 34.7307% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,406 |
| Loan loss allowance to noncurrent loans | 261.9202% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,391 |
| Noncurrent loans to loans | 0.3958% | 4,038 |
| Net loans and leases to total assets | 70.9351% | 2,212 |
| Net loans and leases to deposits | 81.6417% | 2,635 |
| Net loans and leases to core deposits | 88.6427% | 2,542 |
| Total domestic deposits to total assets | 86.8859% | 2,200 |
| Equity capital to assets | 10.5041% | 3,353 |
| Core capital (leverage) ratio | 9.8837% | 3,663 |
| Tier 1 risk-based capital ratio | 17.6845% | 2,060 |
| Total risk-based capital ratio | 18.9354% | 2,013 |
| Memoranda: | ||
| Average total assets | $329,003,600 | 1,997 |
| Average earning assets | $309,490,800 | 1,964 |
| Average equity | $33,155,800 | 2,138 |
| Average total loans | $233,670,400 | 1,845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,398 |
| Cost of funding earning assets | 0.6495% | 1,095 |
| Net interest margin | 3.9265% | 1,945 |
| Noninterest income to average assets | 1.1619% | 888 |
| Noninterest expense to average assets | 3.1176% | 2,179 |
| Loan and lease loss provision to assets | 0.2124% | 909 |
| Net operating income to assets | 1.0726% | 2,121 |
| Return on assets (ROA) | 1.0737% | 2,211 |
| Pretax return on assets | 1.5313% | 1,598 |
| Return on Equity (ROE) | 10.7676% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,292 |
| Net charge-offs to loans | 0.2255% | 1,157 |
| Credit loss provision to net charge-offs | 132.9114% | 1,847 |
| Earnings coverage of net charge-offs (x) | 10.9013% | 2,550 |
| Efficiency ratio | 64.1525% | 4,220 |
| Assets per employee ($millions) | 3.4102% | 4,964 |
| Cash dividends to net income (ytd only)* | 44.9511% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,692 |
| Loan loss allowance to noncurrent loans | 205.1171% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,181 |
| Noncurrent loans to loans | 0.4926% | 3,870 |
| Net loans and leases to total assets | 70.0445% | 2,377 |
| Net loans and leases to deposits | 78.8418% | 3,007 |
| Net loans and leases to core deposits | 85.9533% | 2,855 |
| Total domestic deposits to total assets | 88.8419% | 1,103 |
| Equity capital to assets | 10.1838% | 3,956 |
| Core capital (leverage) ratio | 9.6573% | 4,094 |
| Tier 1 risk-based capital ratio | 17.3168% | 2,249 |
| Total risk-based capital ratio | 18.5674% | 2,200 |
| Memoranda: | ||
| Average total assets | $329,558,000 | 2,006 |
| Average earning assets | $310,365,750 | 1,969 |
| Average equity | $32,863,250 | 2,171 |
| Average total loans | $233,529,500 | 1,855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,388 |
| Cost of funding earning assets | 0.6549% | 1,072 |
| Net interest margin | 3.9023% | 1,969 |
| Noninterest income to average assets | 1.1533% | 901 |
| Noninterest expense to average assets | 3.1250% | 2,178 |
| Loan and lease loss provision to assets | 0.1823% | 1,122 |
| Net operating income to assets | 1.0580% | 2,109 |
| Return on assets (ROA) | 1.0597% | 2,208 |
| Pretax return on assets | 1.5197% | 1,594 |
| Return on Equity (ROE) | 10.7031% | 1,777 |
| Retained earnings to average equity (ytd only) | 5.8241% | 2,342 |
| Net charge-offs to loans | 0.2366% | 1,094 |
| Credit loss provision to net charge-offs | 108.6957% | 1,938 |
| Earnings coverage of net charge-offs (x) | 10.1341% | 2,390 |
| Efficiency ratio | 64.7733% | 4,231 |
| Assets per employee ($millions) | 3.4371% | 4,923 |
| Cash dividends to net income (ytd only)* | 45.5849% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 5,044 |
| Loan loss allowance to noncurrent loans | 256.4132% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,497 |
| Noncurrent loans to loans | 0.3755% | 4,360 |
| Net loans and leases to total assets | 69.6905% | 2,365 |
| Net loans and leases to deposits | 78.6871% | 2,942 |
| Net loans and leases to core deposits | 85.8150% | 2,787 |
| Total domestic deposits to total assets | 88.5667% | 1,380 |
| Equity capital to assets | 9.8958% | 4,163 |
| Core capital (leverage) ratio | 9.3963% | 4,425 |
| Tier 1 risk-based capital ratio | 16.9538% | 2,424 |
| Total risk-based capital ratio | 18.1706% | 2,389 |
| Memoranda: | ||
| Average total assets | $329,147,000 | 2,018 |
| Average earning assets | $309,660,670 | 1,980 |
| Average equity | $32,588,670 | 2,194 |
| Average total loans | $233,350,670 | 1,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,257 |
| Cost of funding earning assets | 0.6597% | 1,050 |
| Net interest margin | 3.9244% | 1,802 |
| Noninterest income to average assets | 1.1779% | 823 |
| Noninterest expense to average assets | 3.1582% | 2,095 |
| Loan and lease loss provision to assets | 0.1835% | 1,038 |
| Net operating income to assets | 1.0607% | 1,998 |
| Return on assets (ROA) | 1.0641% | 2,111 |
| Pretax return on assets | 1.5302% | 1,458 |
| Return on Equity (ROE) | 10.7451% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.8295% | 2,592 |
| Net charge-offs to loans | 0.2131% | 1,091 |
| Credit loss provision to net charge-offs | 120.9677% | 1,436 |
| Earnings coverage of net charge-offs (x) | 11.2661% | 1,876 |
| Efficiency ratio | 64.8907% | 4,334 |
| Assets per employee ($millions) | 3.4104% | 5,064 |
| Cash dividends to net income (ytd only)* | 45.7471% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,146 |
| Loan loss allowance to noncurrent loans | 288.3929% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,573 |
| Noncurrent loans to loans | 0.3381% | 4,576 |
| Net loans and leases to total assets | 70.1396% | 2,121 |
| Net loans and leases to deposits | 79.3107% | 2,638 |
| Net loans and leases to core deposits | 85.9050% | 2,559 |
| Total domestic deposits to total assets | 88.4365% | 1,578 |
| Equity capital to assets | 9.9960% | 4,151 |
| Core capital (leverage) ratio | 9.4888% | 4,293 |
| Tier 1 risk-based capital ratio | 16.9939% | 2,482 |
| Total risk-based capital ratio | 18.2334% | 2,440 |
| Memoranda: | ||
| Average total assets | $327,023,500 | 2,038 |
| Average earning assets | $307,407,500 | 2,006 |
| Average equity | $32,387,000 | 2,216 |
| Average total loans | $232,724,500 | 1,851 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,269 |
| Cost of funding earning assets | 0.7186% | 1,016 |
| Net interest margin | 3.9962% | 1,909 |
| Noninterest income to average assets | 1.1477% | 916 |
| Noninterest expense to average assets | 3.1355% | 2,402 |
| Loan and lease loss provision to assets | 0.1383% | 1,909 |
| Net operating income to assets | 1.0757% | 2,071 |
| Return on assets (ROA) | 1.0779% | 2,115 |
| Pretax return on assets | 1.6226% | 1,168 |
| Return on Equity (ROE) | 11.3780% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.8002% | 1,496 |
| Net charge-offs to loans | 0.2100% | 1,987 |
| Credit loss provision to net charge-offs | 92.0245% | 2,603 |
| Earnings coverage of net charge-offs (x) | 11.6933% | 2,460 |
| Efficiency ratio | 64.0807% | 4,575 |
| Assets per employee ($millions) | 3.2341% | 5,382 |
| Cash dividends to net income (ytd only)* | 40.2338% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 5,263 |
| Loan loss allowance to noncurrent loans | 174.4731% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,348 |
| Noncurrent loans to loans | 0.5485% | 4,018 |
| Net loans and leases to total assets | 70.8153% | 2,107 |
| Net loans and leases to deposits | 79.9353% | 2,723 |
| Net loans and leases to core deposits | 86.7281% | 2,628 |
| Total domestic deposits to total assets | 88.5907% | 1,474 |
| Equity capital to assets | 9.8109% | 4,337 |
| Core capital (leverage) ratio | 9.2306% | 4,633 |
| Tier 1 risk-based capital ratio | 16.1127% | 2,913 |
| Total risk-based capital ratio | 17.2931% | 2,881 |
| Memoranda: | ||
| Average total assets | $325,343,800 | 1,995 |
| Average earning assets | $304,916,400 | 1,971 |
| Average equity | $30,822,600 | 2,230 |
| Average total loans | $232,909,000 | 1,804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 1,201 |
| Cost of funding earning assets | 0.7263% | 1,011 |
| Net interest margin | 4.0196% | 1,824 |
| Noninterest income to average assets | 1.1507% | 900 |
| Noninterest expense to average assets | 3.1337% | 2,367 |
| Loan and lease loss provision to assets | 0.1231% | 2,030 |
| Net operating income to assets | 1.0796% | 2,114 |
| Return on assets (ROA) | 1.0826% | 2,171 |
| Pretax return on assets | 1.6626% | 1,154 |
| Return on Equity (ROE) | 11.5301% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.9076% | 1,864 |
| Net charge-offs to loans | 0.1764% | 2,040 |
| Credit loss provision to net charge-offs | 97.4026% | 2,292 |
| Earnings coverage of net charge-offs (x) | 14.0973% | 2,164 |
| Efficiency ratio | 63.7593% | 4,588 |
| Assets per employee ($millions) | 3.4015% | 5,044 |
| Cash dividends to net income (ytd only)* | 40.0909% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,345 |
| Loan loss allowance to noncurrent loans | 162.4373% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 4,353 |
| Noncurrent loans to loans | 0.5973% | 4,138 |
| Net loans and leases to total assets | 70.8330% | 2,049 |
| Net loans and leases to deposits | 79.7209% | 2,735 |
| Net loans and leases to core deposits | 86.0400% | 2,663 |
| Total domestic deposits to total assets | 88.8512% | 1,333 |
| Equity capital to assets | 9.5940% | 4,675 |
| Core capital (leverage) ratio | 9.2162% | 4,758 |
| Tier 1 risk-based capital ratio | 15.8341% | 3,137 |
| Total risk-based capital ratio | 17.0303% | 3,108 |
| Memoranda: | ||
| Average total assets | $325,018,000 | 2,010 |
| Average earning assets | $304,371,000 | 1,988 |
| Average equity | $30,516,500 | 2,255 |
| Average total loans | $232,748,500 | 1,812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 1,206 |
| Cost of funding earning assets | 0.7352% | 990 |
| Net interest margin | 4.0015% | 1,797 |
| Noninterest income to average assets | 1.1482% | 896 |
| Noninterest expense to average assets | 3.1568% | 2,314 |
| Loan and lease loss provision to assets | 0.0924% | 2,482 |
| Net operating income to assets | 1.0645% | 2,059 |
| Return on assets (ROA) | 1.0693% | 2,121 |
| Pretax return on assets | 1.6499% | 1,138 |
| Return on Equity (ROE) | 11.4727% | 1,580 |
| Retained earnings to average equity (ytd only) | 6.8109% | 1,863 |
| Net charge-offs to loans | 0.2503% | 1,555 |
| Credit loss provision to net charge-offs | 51.5464% | 2,774 |
| Earnings coverage of net charge-offs (x) | 9.6735% | 2,335 |
| Efficiency ratio | 64.5332% | 4,609 |
| Assets per employee ($millions) | 3.4339% | 4,988 |
| Cash dividends to net income (ytd only)* | 40.6340% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 5,658 |
| Loan loss allowance to noncurrent loans | 190.6166% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 4,461 |
| Noncurrent loans to loans | 0.4837% | 4,548 |
| Net loans and leases to total assets | 68.8135% | 2,274 |
| Net loans and leases to deposits | 77.3199% | 2,886 |
| Net loans and leases to core deposits | 83.3317% | 2,811 |
| Total domestic deposits to total assets | 88.9983% | 1,349 |
| Equity capital to assets | 9.2712% | 5,009 |
| Core capital (leverage) ratio | 8.8396% | 5,238 |
| Tier 1 risk-based capital ratio | 15.5142% | 3,347 |
| Total risk-based capital ratio | 16.6381% | 3,360 |
| Memoranda: | ||
| Average total assets | $324,508,330 | 2,010 |
| Average earning assets | $303,585,000 | 1,989 |
| Average equity | $30,245,670 | 2,262 |
| Average total loans | $232,475,000 | 1,807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 1,014 |
| Cost of funding earning assets | 0.7398% | 1,019 |
| Net interest margin | 4.0770% | 1,526 |
| Noninterest income to average assets | 1.2117% | 754 |
| Noninterest expense to average assets | 3.2303% | 2,127 |
| Loan and lease loss provision to assets | 0.0937% | 2,357 |
| Net operating income to assets | 1.0991% | 1,820 |
| Return on assets (ROA) | 1.1080% | 1,838 |
| Pretax return on assets | 1.7151% | 946 |
| Return on Equity (ROE) | 11.8551% | 1,451 |
| Retained earnings to average equity (ytd only) | 7.1505% | 1,954 |
| Net charge-offs to loans | 0.1150% | 2,029 |
| Credit loss provision to net charge-offs | 111.9403% | 1,532 |
| Earnings coverage of net charge-offs (x) | 21.4478% | 1,289 |
| Efficiency ratio | 64.2804% | 4,817 |
| Assets per employee ($millions) | 3.3460% | 5,264 |
| Cash dividends to net income (ytd only)* | 39.6843% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 5,586 |
| Loan loss allowance to noncurrent loans | 181.8327% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 4,683 |
| Noncurrent loans to loans | 0.5410% | 4,550 |
| Net loans and leases to total assets | 70.7709% | 1,760 |
| Net loans and leases to deposits | 79.5866% | 2,354 |
| Net loans and leases to core deposits | 85.7871% | 2,345 |
| Total domestic deposits to total assets | 88.9232% | 1,709 |
| Equity capital to assets | 9.3163% | 4,744 |
| Core capital (leverage) ratio | 9.1363% | 4,814 |
| Tier 1 risk-based capital ratio | 15.1632% | 3,626 |
| Total risk-based capital ratio | 16.3586% | 3,610 |
| Memoranda: | ||
| Average total assets | $320,219,500 | 2,039 |
| Average earning assets | $299,537,500 | 2,013 |
| Average equity | $29,928,000 | 2,277 |
| Average total loans | $233,042,000 | 1,801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 1,014 |
| Cost of funding earning assets | 0.8203% | 1,091 |
| Net interest margin | 4.1236% | 1,581 |
| Noninterest income to average assets | 1.1004% | 1,155 |
| Noninterest expense to average assets | 3.1456% | 2,609 |
| Loan and lease loss provision to assets | 0.1480% | 2,433 |
| Net operating income to assets | 1.0773% | 2,007 |
| Return on assets (ROA) | 1.0771% | 2,098 |
| Pretax return on assets | 1.6585% | 1,038 |
| Return on Equity (ROE) | 11.7934% | 1,489 |
| Retained earnings to average equity (ytd only) | 6.1967% | 1,852 |
| Net charge-offs to loans | 0.2198% | 2,706 |
| Credit loss provision to net charge-offs | 93.0693% | 2,674 |
| Earnings coverage of net charge-offs (x) | 11.3604% | 2,250 |
| Efficiency ratio | 63.5167% | 4,984 |
| Assets per employee ($millions) | 3.2233% | 5,438 |
| Cash dividends to net income (ytd only)* | 47.4561% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 5,696 |
| Loan loss allowance to noncurrent loans | 295.7087% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 5,079 |
| Noncurrent loans to loans | 0.3285% | 5,197 |
| Net loans and leases to total assets | 73.3933% | 1,456 |
| Net loans and leases to deposits | 82.4950% | 2,131 |
| Net loans and leases to core deposits | 87.9849% | 2,247 |
| Total domestic deposits to total assets | 88.9670% | 1,653 |
| Equity capital to assets | 9.3767% | 4,574 |
| Core capital (leverage) ratio | 8.8722% | 5,179 |
| Tier 1 risk-based capital ratio | 14.8799% | 3,734 |
| Total risk-based capital ratio | 16.0709% | 3,716 |
| Memoranda: | ||
| Average total assets | $317,521,000 | 2,026 |
| Average earning assets | $296,611,000 | 1,999 |
| Average equity | $28,999,200 | 2,309 |
| Average total loans | $229,762,400 | 1,787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 1,022 |
| Cost of funding earning assets | 0.8275% | 1,171 |
| Net interest margin | 4.1289% | 1,542 |
| Noninterest income to average assets | 1.1294% | 1,146 |
| Noninterest expense to average assets | 3.1423% | 2,524 |
| Loan and lease loss provision to assets | 0.1132% | 2,876 |
| Net operating income to assets | 1.1203% | 1,931 |
| Return on assets (ROA) | 1.1205% | 2,002 |
| Pretax return on assets | 1.7307% | 1,035 |
| Return on Equity (ROE) | 12.3511% | 1,384 |
| Retained earnings to average equity (ytd only) | 6.5592% | 2,101 |
| Net charge-offs to loans | 0.1498% | 3,047 |
| Credit loss provision to net charge-offs | 105.0584% | 2,227 |
| Earnings coverage of net charge-offs (x) | 17.1050% | 1,753 |
| Efficiency ratio | 63.0246% | 4,985 |
| Assets per employee ($millions) | 3.2435% | 5,400 |
| Cash dividends to net income (ytd only)* | 46.8935% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 5,736 |
| Loan loss allowance to noncurrent loans | 317.6471% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 5,449 |
| Noncurrent loans to loans | 0.3137% | 5,444 |
| Net loans and leases to total assets | 73.3182% | 1,392 |
| Net loans and leases to deposits | 82.3642% | 2,093 |
| Net loans and leases to core deposits | 88.0097% | 2,192 |
| Total domestic deposits to total assets | 89.0171% | 1,540 |
| Equity capital to assets | 9.2936% | 4,814 |
| Core capital (leverage) ratio | 8.9027% | 5,259 |
| Tier 1 risk-based capital ratio | 14.7654% | 3,902 |
| Total risk-based capital ratio | 15.9885% | 3,885 |
| Memoranda: | ||
| Average total assets | $317,931,500 | 2,030 |
| Average earning assets | $296,957,000 | 2,001 |
| Average equity | $28,844,250 | 2,343 |
| Average total loans | $228,676,000 | 1,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 966 |
| Cost of funding earning assets | 0.8301% | 1,258 |
| Net interest margin | 4.1350% | 1,448 |
| Noninterest income to average assets | 1.1328% | 1,186 |
| Noninterest expense to average assets | 3.1601% | 2,480 |
| Loan and lease loss provision to assets | 0.1222% | 2,794 |
| Net operating income to assets | 1.1090% | 1,898 |
| Return on assets (ROA) | 1.1090% | 2,016 |
| Pretax return on assets | 1.7101% | 1,091 |
| Return on Equity (ROE) | 12.3221% | 1,396 |
| Retained earnings to average equity (ytd only) | 6.5058% | 2,139 |
| Net charge-offs to loans | 0.2869% | 2,049 |
| Credit loss provision to net charge-offs | 59.8160% | 3,021 |
| Earnings coverage of net charge-offs (x) | 8.9663% | 2,343 |
| Efficiency ratio | 63.2973% | 4,961 |
| Assets per employee ($millions) | 3.2155% | 5,442 |
| Cash dividends to net income (ytd only)* | 47.2018% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,971 |
| Loan loss allowance to noncurrent loans | 229.5047% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,219 |
| Noncurrent loans to loans | 0.4163% | 5,216 |
| Net loans and leases to total assets | 70.2147% | 1,850 |
| Net loans and leases to deposits | 78.4513% | 2,518 |
| Net loans and leases to core deposits | 83.7427% | 2,594 |
| Total domestic deposits to total assets | 89.5010% | 1,324 |
| Equity capital to assets | 9.0025% | 5,213 |
| Core capital (leverage) ratio | 8.5089% | 5,664 |
| Tier 1 risk-based capital ratio | 14.5726% | 4,052 |
| Total risk-based capital ratio | 15.7249% | 4,076 |
| Memoranda: | ||
| Average total assets | $319,037,000 | 2,028 |
| Average earning assets | $297,802,670 | 1,998 |
| Average equity | $28,712,670 | 2,365 |
| Average total loans | $227,237,330 | 1,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 831 |
| Cost of funding earning assets | 0.8442% | 1,279 |
| Net interest margin | 4.1993% | 1,183 |
| Noninterest income to average assets | 1.2059% | 1,045 |
| Noninterest expense to average assets | 3.1330% | 2,568 |
| Loan and lease loss provision to assets | 0.1510% | 2,356 |
| Net operating income to assets | 1.1845% | 1,572 |
| Return on assets (ROA) | 1.1845% | 1,683 |
| Pretax return on assets | 1.8352% | 829 |
| Return on Equity (ROE) | 13.1629% | 1,128 |
| Retained earnings to average equity (ytd only) | 7.3158% | 2,024 |
| Net charge-offs to loans | 0.3685% | 1,538 |
| Credit loss provision to net charge-offs | 57.4163% | 2,493 |
| Earnings coverage of net charge-offs (x) | 7.5502% | 2,050 |
| Efficiency ratio | 61.1999% | 5,422 |
| Assets per employee ($millions) | 3.2034% | 5,619 |
| Cash dividends to net income (ytd only)* | 44.4208% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,033 |
| Loan loss allowance to noncurrent loans | 209.0395% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 4,879 |
| Noncurrent loans to loans | 0.4719% | 5,243 |
| Net loans and leases to total assets | 69.5647% | 1,740 |
| Net loans and leases to deposits | 77.8414% | 2,359 |
| Net loans and leases to core deposits | 83.5746% | 2,375 |
| Total domestic deposits to total assets | 89.3673% | 1,444 |
| Equity capital to assets | 9.0019% | 5,480 |
| Core capital (leverage) ratio | 8.5726% | 5,476 |
| Tier 1 risk-based capital ratio | 14.5127% | 4,166 |
| Total risk-based capital ratio | 15.7002% | 4,177 |
| Memoranda: | ||
| Average total assets | $317,783,000 | 2,057 |
| Average earning assets | $296,142,500 | 2,030 |
| Average equity | $28,595,500 | 2,412 |
| Average total loans | $226,881,000 | 1,822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 867 |
| Cost of funding earning assets | 1.0528% | 1,110 |
| Net interest margin | 4.2793% | 1,446 |
| Noninterest income to average assets | 1.1757% | 1,142 |
| Noninterest expense to average assets | 3.3712% | 2,128 |
| Loan and lease loss provision to assets | 0.1943% | 3,206 |
| Net operating income to assets | 1.0441% | 2,148 |
| Return on assets (ROA) | 1.0458% | 2,338 |
| Pretax return on assets | 1.5992% | 1,393 |
| Return on Equity (ROE) | 11.7225% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.0064% | 2,073 |
| Net charge-offs to loans | 0.2168% | 3,657 |
| Credit loss provision to net charge-offs | 124.4813% | 2,282 |
| Earnings coverage of net charge-offs (x) | 11.4751% | 2,025 |
| Efficiency ratio | 65.3077% | 4,644 |
| Assets per employee ($millions) | 3.2166% | 5,583 |
| Cash dividends to net income (ytd only)* | 48.7616% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 5,927 |
| Loan loss allowance to noncurrent loans | 141.7434% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 4,739 |
| Noncurrent loans to loans | 0.7123% | 4,760 |
| Net loans and leases to total assets | 71.8181% | 1,517 |
| Net loans and leases to deposits | 80.3261% | 2,237 |
| Net loans and leases to core deposits | 86.2043% | 2,292 |
| Total domestic deposits to total assets | 89.4082% | 1,300 |
| Equity capital to assets | 8.9949% | 5,530 |
| Core capital (leverage) ratio | 8.4123% | 5,738 |
| Tier 1 risk-based capital ratio | 14.1509% | 4,278 |
| Total risk-based capital ratio | 15.3788% | 4,246 |
| Memoranda: | ||
| Average total assets | $308,848,000 | 2,086 |
| Average earning assets | $287,709,600 | 2,061 |
| Average equity | $27,553,800 | 2,441 |
| Average total loans | $222,327,000 | 1,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 872 |
| Cost of funding earning assets | 1.0882% | 1,111 |
| Net interest margin | 4.2896% | 1,502 |
| Noninterest income to average assets | 1.1708% | 1,109 |
| Noninterest expense to average assets | 3.3591% | 2,107 |
| Loan and lease loss provision to assets | 0.1302% | 3,924 |
| Net operating income to assets | 1.0960% | 2,108 |
| Return on assets (ROA) | 1.0983% | 2,293 |
| Pretax return on assets | 1.6859% | 1,307 |
| Return on Equity (ROE) | 12.3368% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.6973% | 2,282 |
| Net charge-offs to loans | 0.2126% | 3,457 |
| Credit loss provision to net charge-offs | 85.2273% | 3,455 |
| Earnings coverage of net charge-offs (x) | 11.8665% | 2,046 |
| Efficiency ratio | 64.9522% | 4,633 |
| Assets per employee ($millions) | 3.0924% | 5,873 |
| Cash dividends to net income (ytd only)* | 45.7132% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 6,249 |
| Loan loss allowance to noncurrent loans | 135.8095% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 4,920 |
| Noncurrent loans to loans | 0.6988% | 5,038 |
| Net loans and leases to total assets | 71.4782% | 1,650 |
| Net loans and leases to deposits | 79.9357% | 2,398 |
| Net loans and leases to core deposits | 84.2987% | 2,663 |
| Total domestic deposits to total assets | 89.4196% | 1,178 |
| Equity capital to assets | 9.0039% | 5,823 |
| Core capital (leverage) ratio | 8.6263% | 5,586 |
| Tier 1 risk-based capital ratio | 14.2225% | 4,364 |
| Total risk-based capital ratio | 15.3780% | 4,393 |
| Memoranda: | ||
| Average total assets | $307,254,000 | 2,115 |
| Average earning assets | $286,574,500 | 2,090 |
| Average equity | $27,353,750 | 2,474 |
| Average total loans | $220,734,500 | 1,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 830 |
| Cost of funding earning assets | 1.1573% | 991 |
| Net interest margin | 4.2677% | 1,558 |
| Noninterest income to average assets | 1.1317% | 1,111 |
| Noninterest expense to average assets | 3.3506% | 2,154 |
| Loan and lease loss provision to assets | 0.0982% | 4,311 |
| Net operating income to assets | 1.0853% | 2,104 |
| Return on assets (ROA) | 1.0878% | 2,309 |
| Pretax return on assets | 1.6671% | 1,350 |
| Return on Equity (ROE) | 12.2667% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.8050% | 2,213 |
| Net charge-offs to loans | 0.1670% | 3,603 |
| Credit loss provision to net charge-offs | 81.9672% | 3,261 |
| Earnings coverage of net charge-offs (x) | 14.7049% | 1,693 |
| Efficiency ratio | 65.5442% | 4,614 |
| Assets per employee ($millions) | 3.2144% | 5,618 |
| Cash dividends to net income (ytd only)* | 44.5247% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 6,255 |
| Loan loss allowance to noncurrent loans | 166.0000% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,115 |
| Noncurrent loans to loans | 0.5853% | 5,338 |
| Net loans and leases to total assets | 71.2763% | 1,686 |
| Net loans and leases to deposits | 79.5794% | 2,441 |
| Net loans and leases to core deposits | 83.7801% | 2,720 |
| Total domestic deposits to total assets | 89.5663% | 1,183 |
| Equity capital to assets | 8.9462% | 5,760 |
| Core capital (leverage) ratio | 8.2885% | 5,927 |
| Tier 1 risk-based capital ratio | 14.1170% | 4,361 |
| Total risk-based capital ratio | 15.2942% | 4,382 |
| Memoranda: | ||
| Average total assets | $305,561,000 | 2,122 |
| Average earning assets | $284,974,670 | 2,091 |
| Average equity | $27,097,670 | 2,474 |
| Average total loans | $219,183,000 | 1,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 785 |
| Cost of funding earning assets | 1.2265% | 865 |
| Net interest margin | 4.2513% | 1,606 |
| Noninterest income to average assets | 1.1130% | 1,141 |
| Noninterest expense to average assets | 3.3507% | 2,143 |
| Loan and lease loss provision to assets | 0.1973% | 2,973 |
| Net operating income to assets | 1.0095% | 2,442 |
| Return on assets (ROA) | 1.0130% | 2,621 |
| Pretax return on assets | 1.5418% | 1,767 |
| Return on Equity (ROE) | 11.4739% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.0052% | 2,954 |
| Net charge-offs to loans | 0.1084% | 3,479 |
| Credit loss provision to net charge-offs | 254.2373% | 1,125 |
| Earnings coverage of net charge-offs (x) | 22.3390% | 1,130 |
| Efficiency ratio | 65.8991% | 4,572 |
| Assets per employee ($millions) | 3.0838% | 5,994 |
| Cash dividends to net income (ytd only)* | 47.6623% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,081 |
| Loan loss allowance to noncurrent loans | 250.7692% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 5,632 |
| Noncurrent loans to loans | 0.4184% | 5,833 |
| Net loans and leases to total assets | 69.7954% | 1,788 |
| Net loans and leases to deposits | 77.8945% | 2,533 |
| Net loans and leases to core deposits | 82.7597% | 2,719 |
| Total domestic deposits to total assets | 89.6026% | 1,299 |
| Equity capital to assets | 8.7660% | 5,791 |
| Core capital (leverage) ratio | 8.3699% | 5,778 |
| Tier 1 risk-based capital ratio | 14.0932% | 4,405 |
| Total risk-based capital ratio | 15.3435% | 4,375 |
| Memoranda: | ||
| Average total assets | $304,052,500 | 2,141 |
| Average earning assets | $284,057,500 | 2,105 |
| Average equity | $26,843,500 | 2,488 |
| Average total loans | $217,724,000 | 1,875 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 765 |
| Cost of funding earning assets | 1.5509% | 582 |
| Net interest margin | 4.1592% | 2,198 |
| Noninterest income to average assets | 1.0103% | 1,341 |
| Noninterest expense to average assets | 3.2135% | 2,815 |
| Loan and lease loss provision to assets | 0.3506% | 2,898 |
| Net operating income to assets | 0.8866% | 2,658 |
| Return on assets (ROA) | 0.8957% | 2,754 |
| Pretax return on assets | 1.3443% | 1,969 |
| Return on Equity (ROE) | 10.4243% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.6858% | 1,194 |
| Net charge-offs to loans | 0.4843% | 3,059 |
| Credit loss provision to net charge-offs | 99.4264% | 3,594 |
| Earnings coverage of net charge-offs (x) | 4.7686% | 2,979 |
| Efficiency ratio | 65.6497% | 4,837 |
| Assets per employee ($millions) | 3.1550% | 5,799 |
| Cash dividends to net income (ytd only)* | 26.2702% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,197 |
| Loan loss allowance to noncurrent loans | 204.3843% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,463 |
| Noncurrent loans to loans | 0.4919% | 5,727 |
| Net loans and leases to total assets | 71.9793% | 1,650 |
| Net loans and leases to deposits | 83.3174% | 2,022 |
| Net loans and leases to core deposits | 88.7956% | 2,277 |
| Total domestic deposits to total assets | 86.3917% | 3,083 |
| Equity capital to assets | 8.8929% | 5,679 |
| Core capital (leverage) ratio | 8.1237% | 6,110 |
| Tier 1 risk-based capital ratio | 14.0734% | 4,274 |
| Total risk-based capital ratio | 15.3090% | 4,237 |
| Memoranda: | ||
| Average total assets | $296,651,200 | 2,160 |
| Average earning assets | $277,072,400 | 2,121 |
| Average equity | $25,488,600 | 2,525 |
| Average total loans | $216,003,600 | 1,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7226% | 816 |
| Cost of funding earning assets | 1.5963% | 589 |
| Net interest margin | 4.1262% | 2,369 |
| Noninterest income to average assets | 0.9386% | 1,520 |
| Noninterest expense to average assets | 3.2553% | 2,647 |
| Loan and lease loss provision to assets | 0.3335% | 2,876 |
| Net operating income to assets | 0.8080% | 3,119 |
| Return on assets (ROA) | 0.8201% | 3,228 |
| Pretax return on assets | 1.2198% | 2,562 |
| Return on Equity (ROE) | 9.6305% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.8524% | 2,050 |
| Net charge-offs to loans | 0.6217% | 2,387 |
| Credit loss provision to net charge-offs | 73.6318% | 4,365 |
| Earnings coverage of net charge-offs (x) | 3.3900% | 3,455 |
| Efficiency ratio | 67.9522% | 4,331 |
| Assets per employee ($millions) | 3.1822% | 5,722 |
| Cash dividends to net income (ytd only)* | 28.8460% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 6,656 |
| Loan loss allowance to noncurrent loans | 257.9439% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,521 |
| Noncurrent loans to loans | 0.3415% | 6,167 |
| Net loans and leases to total assets | 71.9101% | 1,728 |
| Net loans and leases to deposits | 83.4675% | 2,098 |
| Net loans and leases to core deposits | 88.9009% | 2,376 |
| Total domestic deposits to total assets | 86.1533% | 3,137 |
| Equity capital to assets | 8.6130% | 6,184 |
| Core capital (leverage) ratio | 8.1093% | 6,271 |
| Tier 1 risk-based capital ratio | 13.4660% | 4,763 |
| Total risk-based capital ratio | 14.5369% | 4,862 |
| Memoranda: | ||
| Average total assets | $295,883,750 | 2,168 |
| Average earning assets | $276,209,750 | 2,132 |
| Average equity | $25,197,250 | 2,550 |
| Average total loans | $215,522,500 | 1,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 800 |
| Cost of funding earning assets | 1.6256% | 629 |
| Net interest margin | 4.1220% | 2,334 |
| Noninterest income to average assets | 0.9743% | 1,397 |
| Noninterest expense to average assets | 3.3240% | 2,483 |
| Loan and lease loss provision to assets | 0.2996% | 3,009 |
| Net operating income to assets | 0.8062% | 3,042 |
| Return on assets (ROA) | 0.8062% | 3,167 |
| Pretax return on assets | 1.1956% | 2,502 |
| Return on Equity (ROE) | 9.5036% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.7023% | 2,019 |
| Net charge-offs to loans | 0.8252% | 1,856 |
| Credit loss provision to net charge-offs | 49.7738% | 4,592 |
| Earnings coverage of net charge-offs (x) | 2.4842% | 3,582 |
| Efficiency ratio | 68.9743% | 4,333 |
| Assets per employee ($millions) | 3.0930% | 5,893 |
| Cash dividends to net income (ytd only)* | 29.4764% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,856 |
| Loan loss allowance to noncurrent loans | 113.0239% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 5,010 |
| Noncurrent loans to loans | 0.7140% | 5,483 |
| Net loans and leases to total assets | 71.0834% | 1,984 |
| Net loans and leases to deposits | 82.6253% | 2,350 |
| Net loans and leases to core deposits | 87.8861% | 2,659 |
| Total domestic deposits to total assets | 86.0311% | 3,307 |
| Equity capital to assets | 8.3826% | 6,324 |
| Core capital (leverage) ratio | 7.7937% | 6,518 |
| Tier 1 risk-based capital ratio | 13.2342% | 4,741 |
| Total risk-based capital ratio | 14.2075% | 4,932 |
| Memoranda: | ||
| Average total assets | $293,741,330 | 2,185 |
| Average earning assets | $273,994,330 | 2,151 |
| Average equity | $24,917,000 | 2,567 |
| Average total loans | $214,255,330 | 1,955 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 729 |
| Cost of funding earning assets | 1.6149% | 776 |
| Net interest margin | 4.1955% | 1,905 |
| Noninterest income to average assets | 1.1790% | 925 |
| Noninterest expense to average assets | 3.4264% | 2,206 |
| Loan and lease loss provision to assets | 0.2491% | 3,170 |
| Net operating income to assets | 0.9438% | 2,382 |
| Return on assets (ROA) | 0.9438% | 2,445 |
| Pretax return on assets | 1.4115% | 1,697 |
| Return on Equity (ROE) | 11.0575% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.2202% | 1,656 |
| Net charge-offs to loans | 0.1673% | 3,475 |
| Credit loss provision to net charge-offs | 202.2472% | 1,466 |
| Earnings coverage of net charge-offs (x) | 13.4831% | 1,432 |
| Efficiency ratio | 67.3558% | 4,779 |
| Assets per employee ($millions) | 3.0489% | 6,056 |
| Cash dividends to net income (ytd only)* | 25.6598% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 6,138 |
| Loan loss allowance to noncurrent loans | 182.6018% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 4,790 |
| Noncurrent loans to loans | 0.5886% | 5,853 |
| Net loans and leases to total assets | 70.4852% | 2,040 |
| Net loans and leases to deposits | 82.2545% | 2,321 |
| Net loans and leases to core deposits | 87.6280% | 2,652 |
| Total domestic deposits to total assets | 85.6916% | 3,696 |
| Equity capital to assets | 8.3355% | 6,123 |
| Core capital (leverage) ratio | 7.9984% | 6,262 |
| Tier 1 risk-based capital ratio | 13.2282% | 4,636 |
| Total risk-based capital ratio | 14.4787% | 4,620 |
| Memoranda: | ||
| Average total assets | $289,053,500 | 2,241 |
| Average earning assets | $269,241,000 | 2,206 |
| Average equity | $24,671,000 | 2,582 |
| Average total loans | $212,773,500 | 1,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1901% | 576 |
| Cost of funding earning assets | 1.8245% | 1,078 |
| Net interest margin | 4.3656% | 1,598 |
| Noninterest income to average assets | 1.0916% | 1,252 |
| Noninterest expense to average assets | 3.4393% | 2,334 |
| Loan and lease loss provision to assets | 0.2785% | 4,580 |
| Net operating income to assets | 0.9505% | 2,199 |
| Return on assets (ROA) | 0.9594% | 2,292 |
| Pretax return on assets | 1.4462% | 1,523 |
| Return on Equity (ROE) | 11.1598% | 1,538 |
| Retained earnings to average equity (ytd only) | 8.2078% | 911 |
| Net charge-offs to loans | 0.2840% | 4,600 |
| Credit loss provision to net charge-offs | 130.3237% | 3,047 |
| Earnings coverage of net charge-offs (x) | 8.0068% | 2,030 |
| Efficiency ratio | 66.7751% | 4,805 |
| Assets per employee ($millions) | 2.7383% | 6,625 |
| Cash dividends to net income (ytd only)* | 26.4516% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,225 |
| Loan loss allowance to noncurrent loans | 154.0673% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 4,449 |
| Noncurrent loans to loans | 0.6706% | 5,703 |
| Net loans and leases to total assets | 75.3479% | 1,404 |
| Net loans and leases to deposits | 88.7326% | 1,686 |
| Net loans and leases to core deposits | 94.9720% | 2,132 |
| Total domestic deposits to total assets | 84.9157% | 3,902 |
| Equity capital to assets | 8.7487% | 5,512 |
| Core capital (leverage) ratio | 8.1252% | 5,956 |
| Tier 1 risk-based capital ratio | 13.0443% | 4,568 |
| Total risk-based capital ratio | 14.2904% | 4,530 |
| Memoranda: | ||
| Average total assets | $274,647,000 | 2,324 |
| Average earning assets | $255,360,200 | 2,296 |
| Average equity | $23,611,600 | 2,691 |
| Average total loans | $206,677,800 | 2,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1774% | 641 |
| Cost of funding earning assets | 1.8471% | 1,227 |
| Net interest margin | 4.3303% | 1,743 |
| Noninterest income to average assets | 1.0292% | 1,375 |
| Noninterest expense to average assets | 3.4322% | 2,200 |
| Loan and lease loss provision to assets | 0.2657% | 4,452 |
| Net operating income to assets | 0.9040% | 2,590 |
| Return on assets (ROA) | 0.9161% | 2,691 |
| Pretax return on assets | 1.3758% | 1,949 |
| Return on Equity (ROE) | 10.7038% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.7245% | 1,507 |
| Net charge-offs to loans | 0.2638% | 4,368 |
| Credit loss provision to net charge-offs | 134.2365% | 3,005 |
| Earnings coverage of net charge-offs (x) | 8.2020% | 2,194 |
| Efficiency ratio | 67.8881% | 4,483 |
| Assets per employee ($millions) | 2.7743% | 6,640 |
| Cash dividends to net income (ytd only)* | 27.8341% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 6,337 |
| Loan loss allowance to noncurrent loans | 178.1998% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 4,981 |
| Noncurrent loans to loans | 0.5685% | 6,069 |
| Net loans and leases to total assets | 75.2449% | 1,541 |
| Net loans and leases to deposits | 88.3807% | 1,955 |
| Net loans and leases to core deposits | 95.8272% | 2,283 |
| Total domestic deposits to total assets | 85.1373% | 3,554 |
| Equity capital to assets | 8.6066% | 6,146 |
| Core capital (leverage) ratio | 8.0595% | 6,260 |
| Tier 1 risk-based capital ratio | 12.7300% | 4,796 |
| Total risk-based capital ratio | 13.9553% | 4,790 |
| Memoranda: | ||
| Average total assets | $273,481,000 | 2,359 |
| Average earning assets | $254,295,750 | 2,335 |
| Average equity | $23,405,500 | 2,761 |
| Average total loans | $205,184,250 | 2,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1977% | 627 |
| Cost of funding earning assets | 1.9023% | 1,228 |
| Net interest margin | 4.2954% | 1,795 |
| Noninterest income to average assets | 1.1001% | 1,097 |
| Noninterest expense to average assets | 3.3719% | 2,340 |
| Loan and lease loss provision to assets | 0.2691% | 4,238 |
| Net operating income to assets | 0.9662% | 2,311 |
| Return on assets (ROA) | 0.9711% | 2,375 |
| Pretax return on assets | 1.4607% | 1,668 |
| Return on Equity (ROE) | 11.3688% | 1,631 |
| Retained earnings to average equity (ytd only) | 8.3561% | 1,314 |
| Net charge-offs to loans | 0.2320% | 4,214 |
| Credit loss provision to net charge-offs | 155.3191% | 2,536 |
| Earnings coverage of net charge-offs (x) | 9.9404% | 1,953 |
| Efficiency ratio | 66.1890% | 4,952 |
| Assets per employee ($millions) | 2.7471% | 6,696 |
| Cash dividends to net income (ytd only)* | 26.4996% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,196 |
| Loan loss allowance to noncurrent loans | 186.0606% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 5,287 |
| Noncurrent loans to loans | 0.5624% | 6,122 |
| Net loans and leases to total assets | 73.2395% | 2,096 |
| Net loans and leases to deposits | 86.3746% | 2,454 |
| Net loans and leases to core deposits | 92.9934% | 2,845 |
| Total domestic deposits to total assets | 84.7928% | 3,731 |
| Equity capital to assets | 8.5349% | 6,122 |
| Core capital (leverage) ratio | 7.9955% | 6,282 |
| Tier 1 risk-based capital ratio | 12.6590% | 4,723 |
| Total risk-based capital ratio | 13.8939% | 4,707 |
| Memoranda: | ||
| Average total assets | $271,239,670 | 2,409 |
| Average earning assets | $252,223,000 | 2,373 |
| Average equity | $23,168,670 | 2,772 |
| Average total loans | $202,579,670 | 2,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1790% | 669 |
| Cost of funding earning assets | 1.9148% | 1,388 |
| Net interest margin | 4.2642% | 1,806 |
| Noninterest income to average assets | 0.9756% | 1,376 |
| Noninterest expense to average assets | 3.3730% | 2,306 |
| Loan and lease loss provision to assets | 0.2760% | 3,813 |
| Net operating income to assets | 0.8667% | 2,682 |
| Return on assets (ROA) | 0.8697% | 2,756 |
| Pretax return on assets | 1.2979% | 2,054 |
| Return on Equity (ROE) | 10.1779% | 2,042 |
| Retained earnings to average equity (ytd only) | 7.1402% | 2,075 |
| Net charge-offs to loans | 0.2903% | 3,249 |
| Credit loss provision to net charge-offs | 126.7123% | 2,782 |
| Earnings coverage of net charge-offs (x) | 7.2055% | 2,118 |
| Efficiency ratio | 68.2463% | 4,677 |
| Assets per employee ($millions) | 2.8148% | 6,610 |
| Cash dividends to net income (ytd only)* | 29.8456% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,354 |
| Loan loss allowance to noncurrent loans | 118.2079% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 5,122 |
| Noncurrent loans to loans | 0.8641% | 5,594 |
| Net loans and leases to total assets | 74.5801% | 1,838 |
| Net loans and leases to deposits | 88.2758% | 2,179 |
| Net loans and leases to core deposits | 94.8921% | 2,719 |
| Total domestic deposits to total assets | 84.4853% | 3,901 |
| Equity capital to assets | 8.6416% | 5,814 |
| Core capital (leverage) ratio | 8.0588% | 6,149 |
| Tier 1 risk-based capital ratio | 12.4100% | 4,829 |
| Total risk-based capital ratio | 13.5995% | 4,824 |
| Memoranda: | ||
| Average total assets | $268,129,000 | 2,492 |
| Average earning assets | $249,425,500 | 2,454 |
| Average equity | $22,912,500 | 2,828 |
| Average total loans | $201,189,500 | 2,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4885% | 685 |
| Cost of funding earning assets | 2.4809% | 1,070 |
| Net interest margin | 4.0076% | 2,829 |
| Noninterest income to average assets | 1.3020% | 884 |
| Noninterest expense to average assets | 3.5510% | 2,264 |
| Loan and lease loss provision to assets | 0.2634% | 5,299 |
| Net operating income to assets | 0.7736% | 2,623 |
| Return on assets (ROA) | 0.7647% | 2,751 |
| Pretax return on assets | 1.1965% | 1,965 |
| Return on Equity (ROE) | 9.7016% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.6833% | 1,080 |
| Net charge-offs to loans | 0.2817% | 4,872 |
| Credit loss provision to net charge-offs | 125.3676% | 4,171 |
| Earnings coverage of net charge-offs (x) | 7.0147% | 2,243 |
| Efficiency ratio | 70.6687% | 4,496 |
| Assets per employee ($millions) | 3.0903% | 6,010 |
| Cash dividends to net income (ytd only)* | 31.1111% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,345 |
| Loan loss allowance to noncurrent loans | 139.0496% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 5,329 |
| Noncurrent loans to loans | 0.7228% | 5,809 |
| Net loans and leases to total assets | 73.9702% | 2,280 |
| Net loans and leases to deposits | 88.6515% | 2,449 |
| Net loans and leases to core deposits | 107.6940% | 3,133 |
| Total domestic deposits to total assets | 83.4393% | 4,310 |
| Equity capital to assets | 8.4496% | 5,972 |
| Core capital (leverage) ratio | 7.7658% | 6,491 |
| Tier 1 risk-based capital ratio | 12.5942% | 4,449 |
| Total risk-based capital ratio | 13.8015% | 4,421 |
| Memoranda: | ||
| Average total assets | $258,912,000 | 2,528 |
| Average earning assets | $240,516,000 | 2,496 |
| Average equity | $20,409,000 | 3,145 |
| Average total loans | $193,109,200 | 2,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5177% | 720 |
| Cost of funding earning assets | 2.5326% | 1,201 |
| Net interest margin | 3.9851% | 2,876 |
| Noninterest income to average assets | 1.3358% | 861 |
| Noninterest expense to average assets | 3.5300% | 2,200 |
| Loan and lease loss provision to assets | 0.2428% | 5,018 |
| Net operating income to assets | 0.8194% | 2,727 |
| Return on assets (ROA) | 0.8241% | 2,772 |
| Pretax return on assets | 1.2708% | 2,039 |
| Return on Equity (ROE) | 10.6559% | 1,720 |
| Retained earnings to average equity (ytd only) | 7.5566% | 1,287 |
| Net charge-offs to loans | 0.3083% | 4,109 |
| Credit loss provision to net charge-offs | 105.6561% | 4,811 |
| Earnings coverage of net charge-offs (x) | 6.5543% | 2,584 |
| Efficiency ratio | 70.0909% | 4,573 |
| Assets per employee ($millions) | 2.9349% | 6,317 |
| Cash dividends to net income (ytd only)* | 29.0851% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 6,541 |
| Loan loss allowance to noncurrent loans | 78.2109% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 4,881 |
| Noncurrent loans to loans | 1.2153% | 4,915 |
| Net loans and leases to total assets | 75.1953% | 2,194 |
| Net loans and leases to deposits | 89.4689% | 2,681 |
| Net loans and leases to core deposits | 108.9099% | 3,352 |
| Total domestic deposits to total assets | 84.0463% | 3,703 |
| Equity capital to assets | 7.7645% | 7,073 |
| Core capital (leverage) ratio | 7.1380% | 7,324 |
| Tier 1 risk-based capital ratio | 11.3890% | 5,549 |
| Total risk-based capital ratio | 12.5443% | 5,583 |
| Memoranda: | ||
| Average total assets | $256,426,750 | 2,559 |
| Average earning assets | $238,113,750 | 2,542 |
| Average equity | $19,832,000 | 3,263 |
| Average total loans | $191,164,000 | 2,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5981% | 660 |
| Cost of funding earning assets | 2.6456% | 1,170 |
| Net interest margin | 3.9526% | 2,880 |
| Noninterest income to average assets | 1.4158% | 748 |
| Noninterest expense to average assets | 3.6083% | 2,047 |
| Loan and lease loss provision to assets | 0.1970% | 5,086 |
| Net operating income to assets | 0.8232% | 2,764 |
| Return on assets (ROA) | 0.8304% | 2,828 |
| Pretax return on assets | 1.2834% | 2,073 |
| Return on Equity (ROE) | 10.7516% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.6200% | 1,344 |
| Net charge-offs to loans | 0.2978% | 3,694 |
| Credit loss provision to net charge-offs | 89.2857% | 4,947 |
| Earnings coverage of net charge-offs (x) | 6.6607% | 2,579 |
| Efficiency ratio | 71.0628% | 4,583 |
| Assets per employee ($millions) | 2.5925% | 7,069 |
| Cash dividends to net income (ytd only)* | 29.1271% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,500 |
| Loan loss allowance to noncurrent loans | 79.7845% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 4,858 |
| Noncurrent loans to loans | 1.2042% | 4,805 |
| Net loans and leases to total assets | 72.8699% | 2,989 |
| Net loans and leases to deposits | 86.5966% | 3,441 |
| Net loans and leases to core deposits | 107.3801% | 3,678 |
| Total domestic deposits to total assets | 84.1487% | 3,678 |
| Equity capital to assets | 7.5827% | 7,192 |
| Core capital (leverage) ratio | 7.1297% | 7,428 |
| Tier 1 risk-based capital ratio | 11.4035% | 5,494 |
| Total risk-based capital ratio | 12.5503% | 5,495 |
| Memoranda: | ||
| Average total assets | $253,856,000 | 2,591 |
| Average earning assets | $235,187,330 | 2,572 |
| Average equity | $19,606,330 | 3,305 |
| Average total loans | $188,043,330 | 2,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8866% | 419 |
| Cost of funding earning assets | 2.9383% | 702 |
| Net interest margin | 3.9484% | 2,855 |
| Noninterest income to average assets | 1.4920% | 633 |
| Noninterest expense to average assets | 3.5620% | 1,948 |
| Loan and lease loss provision to assets | 0.2049% | 4,402 |
| Net operating income to assets | 0.8908% | 2,735 |
| Return on assets (ROA) | 0.8981% | 2,862 |
| Pretax return on assets | 1.3784% | 2,030 |
| Return on Equity (ROE) | 11.5183% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.3564% | 1,678 |
| Net charge-offs to loans | 0.2541% | 3,139 |
| Credit loss provision to net charge-offs | 108.4746% | 3,537 |
| Earnings coverage of net charge-offs (x) | 8.3220% | 2,210 |
| Efficiency ratio | 69.3795% | 4,702 |
| Assets per employee ($millions) | 2.6059% | 7,080 |
| Cash dividends to net income (ytd only)* | 27.4510% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 5,882 |
| Loan loss allowance to noncurrent loans | 82.5044% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 4,470 |
| Noncurrent loans to loans | 1.2574% | 4,461 |
| Net loans and leases to total assets | 70.6360% | 3,544 |
| Net loans and leases to deposits | 84.3426% | 3,924 |
| Net loans and leases to core deposits | 108.5727% | 3,605 |
| Total domestic deposits to total assets | 83.7489% | 3,823 |
| Equity capital to assets | 7.6848% | 7,192 |
| Core capital (leverage) ratio | 7.2216% | 7,460 |
| Tier 1 risk-based capital ratio | 11.7875% | 5,136 |
| Total risk-based capital ratio | 13.0212% | 5,071 |
| Memoranda: | ||
| Average total assets | $249,861,000 | 2,645 |
| Average earning assets | $230,475,000 | 2,644 |
| Average equity | $19,482,000 | 3,346 |
| Average total loans | $185,736,000 | 2,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2257% | 695 |
| Cost of funding earning assets | 3.1715% | 1,283 |
| Net interest margin | 4.0543% | 2,900 |
| Noninterest income to average assets | 1.1905% | 1,068 |
| Noninterest expense to average assets | 3.3787% | 2,740 |
| Loan and lease loss provision to assets | 0.3121% | 3,876 |
| Net operating income to assets | 0.7813% | 3,519 |
| Return on assets (ROA) | 0.5460% | 4,401 |
| Pretax return on assets | 0.8282% | 3,968 |
| Return on Equity (ROE) | 6.9021% | 3,582 |
| Retained earnings to average equity (ytd only) | 3.6717% | 2,865 |
| Net charge-offs to loans | 0.2388% | 3,862 |
| Credit loss provision to net charge-offs | 173.8426% | 2,932 |
| Earnings coverage of net charge-offs (x) | 8.3380% | 2,898 |
| Efficiency ratio | 69.3003% | 4,478 |
| Assets per employee ($millions) | 2.7150% | 6,746 |
| Cash dividends to net income (ytd only)* | 46.8037% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,112 |
| Loan loss allowance to noncurrent loans | 95.6765% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 4,624 |
| Noncurrent loans to loans | 1.0391% | 4,508 |
| Net loans and leases to total assets | 76.6587% | 2,459 |
| Net loans and leases to deposits | 96.6189% | 2,352 |
| Net loans and leases to core deposits | 127.8341% | 2,013 |
| Total domestic deposits to total assets | 79.3413% | 5,255 |
| Equity capital to assets | 7.9145% | 6,948 |
| Core capital (leverage) ratio | 7.2821% | 7,435 |
| Tier 1 risk-based capital ratio | 11.4228% | 5,315 |
| Total risk-based capital ratio | 12.6383% | 5,248 |
| Memoranda: | ||
| Average total assets | $240,656,400 | 2,649 |
| Average earning assets | $218,732,400 | 2,673 |
| Average equity | $19,037,600 | 3,386 |
| Average total loans | $180,916,800 | 2,491 |