Home > 1st Bank Yuma > Performance and Condition Ratios
1st Bank Yuma, 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 | 4.6313% | 2,826 |
| Cost of funding earning assets | 0.2616% | 4,404 |
| Net interest margin | 4.3697% | 734 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.6019% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7086% | 724 |
| Return on assets (ROA) | 1.6650% | 747 |
| Pretax return on assets | 2.0895% | 582 |
| Return on Equity (ROE) | 23.4500% | 377 |
| Retained earnings to average equity (ytd only) | 16.8553% | 227 |
| Net charge-offs to loans | 0.0059% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 726.4118% | 196 |
| Efficiency ratio | 54.8235% | 3,618 |
| Assets per employee ($millions) | 7.1850% | 1,948 |
| Cash dividends to net income (ytd only)* | 28.1126% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,722 |
| Loan loss allowance to noncurrent loans | 232.1622% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 860 |
| Noncurrent loans to loans | 0.4828% | 1,578 |
| Net loans and leases to total assets | 51.4500% | 3,511 |
| Net loans and leases to deposits | 56.3657% | 3,694 |
| Net loans and leases to core deposits | 61.1583% | 3,721 |
| Total domestic deposits to total assets | 91.2800% | 431 |
| Equity capital to assets | 7.8570% | 3,513 |
| Core capital (leverage) ratio | 10.0642% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4179% | 1,009 |
| Memoranda: | ||
| Average total assets | $575,971,200 | 1,535 |
| Average earning assets | $534,014,800 | 1,536 |
| Average equity | $40,901,200 | 1,858 |
| Average total loans | $285,898,600 | 1,844 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 2,635 |
| Cost of funding earning assets | 0.2100% | 4,439 |
| Net interest margin | 4.4093% | 692 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6332% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7616% | 714 |
| Return on assets (ROA) | 1.7024% | 786 |
| Pretax return on assets | 2.0914% | 665 |
| Return on Equity (ROE) | 24.6500% | 399 |
| Retained earnings to average equity (ytd only) | 17.7509% | 351 |
| Net charge-offs to loans | 0.0052% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 845.1818% | 190 |
| Efficiency ratio | 54.8843% | 3,503 |
| Assets per employee ($millions) | 6.7812% | 2,113 |
| Cash dividends to net income (ytd only)* | 27.9814% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,031 |
| Loan loss allowance to noncurrent loans | 1,027.4627% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,251 |
| Noncurrent loans to loans | 0.1231% | 2,939 |
| Net loans and leases to total assets | 48.3000% | 3,723 |
| Net loans and leases to deposits | 52.5285% | 3,861 |
| Net loans and leases to core deposits | 56.5562% | 3,833 |
| Total domestic deposits to total assets | 91.9600% | 457 |
| Equity capital to assets | 7.1646% | 3,531 |
| Core capital (leverage) ratio | 9.5943% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1284% | 935 |
| Memoranda: | ||
| Average total assets | $572,672,250 | 1,545 |
| Average earning assets | $531,404,250 | 1,546 |
| Average equity | $39,553,750 | 1,888 |
| Average total loans | $280,733,750 | 1,870 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,564 |
| Cost of funding earning assets | 0.1540% | 4,471 |
| Net interest margin | 4.3799% | 721 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.5025% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7471% | 717 |
| Return on assets (ROA) | 1.7471% | 721 |
| Pretax return on assets | 2.2853% | 476 |
| Return on Equity (ROE) | 25.6000% | 356 |
| Retained earnings to average equity (ytd only) | 18.7437% | 300 |
| Net charge-offs to loans | 0.0028% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,651.7500% | 82 |
| Efficiency ratio | 52.2685% | 3,756 |
| Assets per employee ($millions) | 7.0411% | 1,895 |
| Cash dividends to net income (ytd only)* | 26.7868% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,178 |
| Loan loss allowance to noncurrent loans | 149.6528% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 1,353 |
| Noncurrent loans to loans | 0.8347% | 916 |
| Net loans and leases to total assets | 46.6400% | 3,763 |
| Net loans and leases to deposits | 50.5410% | 3,898 |
| Net loans and leases to core deposits | 53.7047% | 3,907 |
| Total domestic deposits to total assets | 92.2900% | 363 |
| Equity capital to assets | 7.0015% | 3,801 |
| Core capital (leverage) ratio | 9.2294% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7181% | 999 |
| Memoranda: | ||
| Average total assets | $578,211,333 | 1,533 |
| Average earning assets | $537,679,000 | 1,538 |
| Average equity | $39,458,667 | 1,897 |
| Average total loans | $283,632,333 | 1,847 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 2,527 |
| Cost of funding earning assets | 0.0928% | 4,547 |
| Net interest margin | 4.3170% | 778 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.5345% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6839% | 850 |
| Return on assets (ROA) | 1.6839% | 846 |
| Pretax return on assets | 2.2006% | 569 |
| Return on Equity (ROE) | 25.0000% | 406 |
| Retained earnings to average equity (ytd only) | 16.2979% | 660 |
| Net charge-offs to loans | 0.0014% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3,164.0000% | 24 |
| Efficiency ratio | 53.5253% | 3,651 |
| Assets per employee ($millions) | 7.6229% | 1,545 |
| Cash dividends to net income (ytd only)* | 34.8203% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,573 |
| Loan loss allowance to noncurrent loans | 149.7614% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,336 |
| Noncurrent loans to loans | 0.7991% | 965 |
| Net loans and leases to total assets | 47.9300% | 3,636 |
| Net loans and leases to deposits | 51.8304% | 3,800 |
| Net loans and leases to core deposits | 53.8116% | 3,841 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 6.8727% | 3,883 |
| Core capital (leverage) ratio | 9.0128% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7411% | 1,202 |
| Memoranda: | ||
| Average total assets | $575,109,500 | 1,568 |
| Average earning assets | $534,444,000 | 1,556 |
| Average equity | $38,729,000 | 1,940 |
| Average total loans | $287,430,000 | 1,850 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 2,576 |
| Cost of funding earning assets | 0.0535% | 4,570 |
| Net interest margin | 3.6293% | 1,559 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.3511% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3531% | 1,271 |
| Return on assets (ROA) | 1.3531% | 1,230 |
| Pretax return on assets | 1.6811% | 967 |
| Return on Equity (ROE) | 19.4400% | 528 |
| Retained earnings to average equity (ytd only) | 13.2123% | 479 |
| Net charge-offs to loans | -0.0041% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.2493% | 3,307 |
| Assets per employee ($millions) | 7.2160% | 1,811 |
| Cash dividends to net income (ytd only)* | 32.0354% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,361 |
| Loan loss allowance to noncurrent loans | 149.8048% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 1,241 |
| Noncurrent loans to loans | 0.8048% | 920 |
| Net loans and leases to total assets | 50.9300% | 3,438 |
| Net loans and leases to deposits | 55.0615% | 3,625 |
| Net loans and leases to core deposits | 56.3176% | 3,707 |
| Total domestic deposits to total assets | 92.4900% | 523 |
| Equity capital to assets | 6.5860% | 3,865 |
| Core capital (leverage) ratio | 9.1082% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2027% | 1,313 |
| Memoranda: | ||
| Average total assets | $567,490,800 | 1,567 |
| Average earning assets | $530,908,200 | 1,547 |
| Average equity | $39,501,000 | 1,930 |
| Average total loans | $270,334,000 | 1,853 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 2,606 |
| Cost of funding earning assets | 0.0537% | 4,560 |
| Net interest margin | 3.4493% | 1,808 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3069% | 2,612 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2785% | 1,430 |
| Return on assets (ROA) | 1.2785% | 1,396 |
| Pretax return on assets | 1.5491% | 1,271 |
| Return on Equity (ROE) | 18.1300% | 629 |
| Retained earnings to average equity (ytd only) | 12.1306% | 764 |
| Net charge-offs to loans | -0.0140% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7421% | 3,144 |
| Assets per employee ($millions) | 7.6903% | 1,495 |
| Cash dividends to net income (ytd only)* | 33.0896% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,068 |
| Loan loss allowance to noncurrent loans | 150.6076% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 1,306 |
| Noncurrent loans to loans | 0.8581% | 915 |
| Net loans and leases to total assets | 47.8600% | 3,640 |
| Net loans and leases to deposits | 51.2837% | 3,776 |
| Net loans and leases to core deposits | 52.5483% | 3,829 |
| Total domestic deposits to total assets | 93.3300% | 490 |
| Equity capital to assets | 6.0182% | 3,958 |
| Core capital (leverage) ratio | 8.4645% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7160% | 1,233 |
| Memoranda: | ||
| Average total assets | $570,455,750 | 1,569 |
| Average earning assets | $536,135,500 | 1,551 |
| Average equity | $40,227,750 | 1,940 |
| Average total loans | $266,313,000 | 1,871 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 2,598 |
| Cost of funding earning assets | 0.0538% | 4,571 |
| Net interest margin | 3.2892% | 1,939 |
| Noninterest income to average assets | 0.5906% | 1,782 |
| Noninterest expense to average assets | 2.1464% | 3,015 |
| Loan and lease loss provision to assets | 0.0080% | 2,449 |
| Net operating income to assets | 1.1853% | 1,479 |
| Return on assets (ROA) | 1.1853% | 1,455 |
| Pretax return on assets | 1.5357% | 1,085 |
| Return on Equity (ROE) | 16.0548% | 690 |
| Retained earnings to average equity (ytd only) | 10.5997% | 876 |
| Net charge-offs to loans | -0.0218% | 3,912 |
| Credit loss provision to net charge-offs | -79.3103% | 3,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1671% | 3,538 |
| Assets per employee ($millions) | 8.0986% | 1,249 |
| Cash dividends to net income (ytd only)* | 33.9777% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,024 |
| Loan loss allowance to noncurrent loans | 150.6510% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,447 |
| Noncurrent loans to loans | 0.8863% | 952 |
| Net loans and leases to total assets | 43.3852% | 3,876 |
| Net loans and leases to deposits | 46.5144% | 4,002 |
| Net loans and leases to core deposits | 47.6639% | 4,040 |
| Total domestic deposits to total assets | 93.2726% | 444 |
| Equity capital to assets | 6.1988% | 4,136 |
| Core capital (leverage) ratio | 8.1396% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7719% | 1,233 |
| Memoranda: | ||
| Average total assets | $576,040,667 | 1,561 |
| Average earning assets | $542,806,333 | 1,545 |
| Average equity | $42,529,333 | 1,912 |
| Average total loans | $265,585,667 | 1,872 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 2,295 |
| Cost of funding earning assets | 0.0543% | 4,565 |
| Net interest margin | 3.2755% | 1,629 |
| Noninterest income to average assets | 0.5967% | 1,707 |
| Noninterest expense to average assets | 2.1933% | 2,857 |
| Loan and lease loss provision to assets | 0.0162% | 2,060 |
| Net operating income to assets | 1.1491% | 1,380 |
| Return on assets (ROA) | 1.1491% | 1,378 |
| Pretax return on assets | 1.4868% | 1,039 |
| Return on Equity (ROE) | 14.3654% | 765 |
| Retained earnings to average equity (ytd only) | 9.8349% | 1,064 |
| Net charge-offs to loans | -0.0492% | 4,250 |
| Credit loss provision to net charge-offs | -69.6970% | 2,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3375% | 3,551 |
| Assets per employee ($millions) | 7.8618% | 1,462 |
| Cash dividends to net income (ytd only)* | 31.5370% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,348 |
| Loan loss allowance to noncurrent loans | 452.4740% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 2,858 |
| Noncurrent loans to loans | 0.2880% | 2,440 |
| Net loans and leases to total assets | 45.8608% | 3,591 |
| Net loans and leases to deposits | 49.7093% | 3,753 |
| Net loans and leases to core deposits | 51.0507% | 3,801 |
| Total domestic deposits to total assets | 92.2580% | 485 |
| Equity capital to assets | 7.2816% | 4,056 |
| Core capital (leverage) ratio | 8.1964% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4130% | 1,401 |
| Memoranda: | ||
| Average total assets | $568,463,500 | 1,585 |
| Average earning assets | $537,932,000 | 1,566 |
| Average equity | $45,470,500 | 1,868 |
| Average total loans | $268,397,500 | 1,845 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 2,952 |
| Cost of funding earning assets | 0.0628% | 4,626 |
| Net interest margin | 3.3267% | 2,245 |
| Noninterest income to average assets | 0.7969% | 1,454 |
| Noninterest expense to average assets | 2.2788% | 2,855 |
| Loan and lease loss provision to assets | 0.0192% | 2,687 |
| Net operating income to assets | 1.3330% | 1,505 |
| Return on assets (ROA) | 1.3330% | 1,541 |
| Pretax return on assets | 1.6556% | 1,256 |
| Return on Equity (ROE) | 15.6801% | 810 |
| Retained earnings to average equity (ytd only) | 12.8755% | 409 |
| Net charge-offs to loans | 0.0077% | 2,290 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 436.5238% | 308 |
| Efficiency ratio | 57.6386% | 3,501 |
| Assets per employee ($millions) | 7.9298% | 1,366 |
| Cash dividends to net income (ytd only)* | 17.8865% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,528 |
| Loan loss allowance to noncurrent loans | 434.9873% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,957 |
| Noncurrent loans to loans | 0.2910% | 2,546 |
| Net loans and leases to total assets | 47.3700% | 3,558 |
| Net loans and leases to deposits | 52.2537% | 3,721 |
| Net loans and leases to core deposits | 53.5295% | 3,792 |
| Total domestic deposits to total assets | 90.6537% | 642 |
| Equity capital to assets | 8.7299% | 3,859 |
| Core capital (leverage) ratio | 8.5495% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3802% | 1,419 |
| Memoranda: | ||
| Average total assets | $547,338,400 | 1,583 |
| Average earning assets | $519,371,800 | 1,547 |
| Average equity | $46,530,400 | 1,875 |
| Average total loans | $271,617,600 | 1,829 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 2,942 |
| Cost of funding earning assets | 0.0649% | 4,714 |
| Net interest margin | 3.3943% | 2,170 |
| Noninterest income to average assets | 0.5999% | 2,214 |
| Noninterest expense to average assets | 2.3132% | 2,713 |
| Loan and lease loss provision to assets | 0.0258% | 2,482 |
| Net operating income to assets | 1.2270% | 2,076 |
| Return on assets (ROA) | 1.2270% | 2,135 |
| Pretax return on assets | 1.4819% | 2,043 |
| Return on Equity (ROE) | 14.5347% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.6456% | 694 |
| Net charge-offs to loans | 0.0054% | 2,137 |
| Credit loss provision to net charge-offs | 954.5455% | 524 |
| Earnings coverage of net charge-offs (x) | 558.6364% | 269 |
| Efficiency ratio | 60.5407% | 2,903 |
| Assets per employee ($millions) | 7.6363% | 1,481 |
| Cash dividends to net income (ytd only)* | 12.9974% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.0660% | 3,787 |
| Net loans and leases to deposits | 50.8578% | 3,964 |
| Net loans and leases to core deposits | 52.4249% | 4,017 |
| Total domestic deposits to total assets | 90.5781% | 518 |
| Equity capital to assets | 8.8344% | 3,975 |
| Core capital (leverage) ratio | 8.1348% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5151% | 1,477 |
| Memoranda: | ||
| Average total assets | $543,418,750 | 1,600 |
| Average earning assets | $515,673,250 | 1,568 |
| Average equity | $45,875,250 | 1,917 |
| Average total loans | $271,992,000 | 1,861 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 2,753 |
| Cost of funding earning assets | 0.0651% | 4,766 |
| Net interest margin | 3.4915% | 1,878 |
| Noninterest income to average assets | 0.5956% | 2,233 |
| Noninterest expense to average assets | 2.2317% | 2,975 |
| Loan and lease loss provision to assets | 0.0333% | 2,315 |
| Net operating income to assets | 1.2648% | 1,977 |
| Return on assets (ROA) | 1.2648% | 2,050 |
| Pretax return on assets | 1.6394% | 1,636 |
| Return on Equity (ROE) | 15.2215% | 1,100 |
| Retained earnings to average equity (ytd only) | 15.2215% | 401 |
| Net charge-offs to loans | 0.0079% | 1,845 |
| Credit loss provision to net charge-offs | 818.1818% | 534 |
| Earnings coverage of net charge-offs (x) | 411.5455% | 307 |
| Efficiency ratio | 57.1591% | 3,382 |
| Assets per employee ($millions) | 7.6056% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.5645% | 3,863 |
| Net loans and leases to deposits | 51.1344% | 4,037 |
| Net loans and leases to core deposits | 52.6864% | 4,100 |
| Total domestic deposits to total assets | 91.0630% | 355 |
| Equity capital to assets | 8.3850% | 4,294 |
| Core capital (leverage) ratio | 7.9093% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0540% | 1,609 |
| Memoranda: | ||
| Average total assets | $541,286,667 | 1,595 |
| Average earning assets | $512,955,333 | 1,568 |
| Average equity | $44,976,000 | 1,933 |
| Average total loans | $277,087,000 | 1,849 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 2,254 |
| Cost of funding earning assets | 0.0661% | 4,806 |
| Net interest margin | 3.6785% | 1,384 |
| Noninterest income to average assets | 0.5843% | 2,277 |
| Noninterest expense to average assets | 2.3019% | 2,787 |
| Loan and lease loss provision to assets | 0.0339% | 2,326 |
| Net operating income to assets | 1.3360% | 1,723 |
| Return on assets (ROA) | 1.3360% | 1,810 |
| Pretax return on assets | 1.7334% | 1,427 |
| Return on Equity (ROE) | 16.1576% | 986 |
| Retained earnings to average equity (ytd only) | 16.1576% | 501 |
| Net charge-offs to loans | -0.0028% | 3,208 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5685% | 3,485 |
| Assets per employee ($millions) | 7.6925% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.9171% | 3,718 |
| Net loans and leases to deposits | 53.3963% | 3,982 |
| Net loans and leases to core deposits | 54.7236% | 4,064 |
| Total domestic deposits to total assets | 91.6114% | 220 |
| Equity capital to assets | 7.8903% | 4,550 |
| Core capital (leverage) ratio | 8.0966% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2310% | 1,840 |
| Memoranda: | ||
| Average total assets | $530,522,500 | 1,607 |
| Average earning assets | $502,591,500 | 1,584 |
| Average equity | $43,868,000 | 1,956 |
| Average total loans | $282,887,500 | 1,817 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,404 |
| Cost of funding earning assets | 0.1022% | 4,859 |
| Net interest margin | 4.0043% | 967 |
| Noninterest income to average assets | 0.6740% | 1,940 |
| Noninterest expense to average assets | 2.8020% | 1,938 |
| Loan and lease loss provision to assets | 0.0918% | 3,204 |
| Net operating income to assets | 1.2195% | 1,486 |
| Return on assets (ROA) | 1.2195% | 1,598 |
| Pretax return on assets | 1.5094% | 1,304 |
| Return on Equity (ROE) | 13.4685% | 927 |
| Retained earnings to average equity (ytd only) | 7.8506% | 1,096 |
| Net charge-offs to loans | 0.0201% | 2,665 |
| Credit loss provision to net charge-offs | 743.6364% | 965 |
| Earnings coverage of net charge-offs (x) | 129.7455% | 650 |
| Efficiency ratio | 63.3867% | 2,914 |
| Assets per employee ($millions) | 6.6599% | 1,807 |
| Cash dividends to net income (ytd only)* | 41.7111% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.9301% | 3,210 |
| Net loans and leases to deposits | 62.8878% | 3,532 |
| Net loans and leases to core deposits | 64.4214% | 3,663 |
| Total domestic deposits to total assets | 90.5264% | 366 |
| Equity capital to assets | 8.6944% | 4,293 |
| Core capital (leverage) ratio | 8.4254% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2282% | 2,155 |
| Memoranda: | ||
| Average total assets | $445,676,200 | 1,717 |
| Average earning assets | $415,054,400 | 1,718 |
| Average equity | $40,353,400 | 2,012 |
| Average total loans | $274,205,600 | 1,805 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,480 |
| Cost of funding earning assets | 0.1128% | 4,897 |
| Net interest margin | 4.0522% | 999 |
| Noninterest income to average assets | 0.6823% | 1,850 |
| Noninterest expense to average assets | 2.9111% | 1,676 |
| Loan and lease loss provision to assets | 0.0794% | 3,322 |
| Net operating income to assets | 1.1953% | 1,649 |
| Return on assets (ROA) | 1.1953% | 1,777 |
| Pretax return on assets | 1.4480% | 1,582 |
| Return on Equity (ROE) | 13.0518% | 1,097 |
| Retained earnings to average equity (ytd only) | 6.0931% | 2,065 |
| Net charge-offs to loans | 0.0281% | 2,271 |
| Credit loss provision to net charge-offs | 450.8772% | 1,362 |
| Earnings coverage of net charge-offs (x) | 86.8596% | 872 |
| Efficiency ratio | 65.2488% | 2,550 |
| Assets per employee ($millions) | 6.4916% | 1,838 |
| Cash dividends to net income (ytd only)* | 53.3161% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,084 |
| Loan loss allowance to noncurrent loans | 2,840.1786% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,348 |
| Noncurrent loans to loans | 0.0395% | 4,233 |
| Net loans and leases to total assets | 59.1157% | 3,313 |
| Net loans and leases to deposits | 65.3125% | 3,671 |
| Net loans and leases to core deposits | 67.1505% | 3,814 |
| Total domestic deposits to total assets | 90.5121% | 281 |
| Equity capital to assets | 8.8217% | 4,240 |
| Core capital (leverage) ratio | 8.1220% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6668% | 1,944 |
| Memoranda: | ||
| Average total assets | $432,221,500 | 1,732 |
| Average earning assets | $400,629,000 | 1,742 |
| Average equity | $39,584,750 | 2,030 |
| Average total loans | $270,832,500 | 1,815 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,293 |
| Cost of funding earning assets | 0.1337% | 4,919 |
| Net interest margin | 4.2328% | 852 |
| Noninterest income to average assets | 0.6928% | 1,765 |
| Noninterest expense to average assets | 2.9073% | 1,807 |
| Loan and lease loss provision to assets | 0.0822% | 3,254 |
| Net operating income to assets | 1.2373% | 1,522 |
| Return on assets (ROA) | 1.2373% | 1,641 |
| Pretax return on assets | 1.6078% | 1,206 |
| Return on Equity (ROE) | 13.3249% | 1,028 |
| Retained earnings to average equity (ytd only) | 2.6876% | 3,507 |
| Net charge-offs to loans | 0.0817% | 1,433 |
| Credit loss provision to net charge-offs | 157.7982% | 2,090 |
| Earnings coverage of net charge-offs (x) | 32.4312% | 1,374 |
| Efficiency ratio | 62.8952% | 2,970 |
| Assets per employee ($millions) | 6.6681% | 1,664 |
| Cash dividends to net income (ytd only)* | 79.8300% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,084 |
| Loan loss allowance to noncurrent loans | 1,024.9158% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,165 |
| Noncurrent loans to loans | 0.1070% | 4,028 |
| Net loans and leases to total assets | 56.4044% | 3,654 |
| Net loans and leases to deposits | 61.9368% | 4,009 |
| Net loans and leases to core deposits | 63.7867% | 4,090 |
| Total domestic deposits to total assets | 91.0676% | 136 |
| Equity capital to assets | 8.2764% | 4,600 |
| Core capital (leverage) ratio | 8.2116% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5894% | 2,777 |
| Memoranda: | ||
| Average total assets | $418,332,333 | 1,758 |
| Average earning assets | $385,895,333 | 1,767 |
| Average equity | $38,844,667 | 2,046 |
| Average total loans | $266,668,667 | 1,809 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 999 |
| Cost of funding earning assets | 0.1664% | 4,948 |
| Net interest margin | 4.8194% | 267 |
| Noninterest income to average assets | 0.8039% | 1,301 |
| Noninterest expense to average assets | 3.1834% | 1,459 |
| Loan and lease loss provision to assets | 0.0854% | 2,621 |
| Net operating income to assets | 1.4798% | 822 |
| Return on assets (ROA) | 1.4798% | 896 |
| Pretax return on assets | 1.9390% | 522 |
| Return on Equity (ROE) | 14.9094% | 559 |
| Retained earnings to average equity (ytd only) | -6.7675% | 4,636 |
| Net charge-offs to loans | 0.1501% | 858 |
| Credit loss provision to net charge-offs | 83.6735% | 1,918 |
| Earnings coverage of net charge-offs (x) | 19.8367% | 1,429 |
| Efficiency ratio | 60.8078% | 3,640 |
| Assets per employee ($millions) | 5.6313% | 1,991 |
| Cash dividends to net income (ytd only)* | 145.3906% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,893 |
| Loan loss allowance to noncurrent loans | 613.8716% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,967 |
| Noncurrent loans to loans | 0.1886% | 3,799 |
| Net loans and leases to total assets | 63.2966% | 3,151 |
| Net loans and leases to deposits | 70.7726% | 3,537 |
| Net loans and leases to core deposits | 73.5183% | 3,669 |
| Total domestic deposits to total assets | 89.4366% | 495 |
| Equity capital to assets | 9.3991% | 4,309 |
| Core capital (leverage) ratio | 9.1765% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2322% | 2,603 |
| Memoranda: | ||
| Average total assets | $384,114,000 | 1,826 |
| Average earning assets | $350,997,000 | 1,848 |
| Average equity | $38,123,500 | 2,062 |
| Average total loans | $261,201,500 | 1,801 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 912 |
| Cost of funding earning assets | 0.1770% | 5,004 |
| Net interest margin | 5.0689% | 229 |
| Noninterest income to average assets | 0.8494% | 1,301 |
| Noninterest expense to average assets | 3.3927% | 1,128 |
| Loan and lease loss provision to assets | 0.2155% | 917 |
| Net operating income to assets | 1.4572% | 1,167 |
| Return on assets (ROA) | 1.4654% | 1,204 |
| Pretax return on assets | 1.8317% | 873 |
| Return on Equity (ROE) | 14.0726% | 884 |
| Retained earnings to average equity (ytd only) | 5.7433% | 2,008 |
| Net charge-offs to loans | 0.0530% | 2,350 |
| Credit loss provision to net charge-offs | 569.1729% | 535 |
| Earnings coverage of net charge-offs (x) | 53.8045% | 1,067 |
| Efficiency ratio | 61.9554% | 3,391 |
| Assets per employee ($millions) | 5.0466% | 2,533 |
| Cash dividends to net income (ytd only)* | 59.1880% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,839 |
| Loan loss allowance to noncurrent loans | 814.4809% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,127 |
| Noncurrent loans to loans | 0.1374% | 3,977 |
| Net loans and leases to total assets | 71.4927% | 2,171 |
| Net loans and leases to deposits | 80.6234% | 2,708 |
| Net loans and leases to core deposits | 83.8644% | 2,960 |
| Total domestic deposits to total assets | 88.6749% | 807 |
| Equity capital to assets | 10.4958% | 3,448 |
| Core capital (leverage) ratio | 10.1693% | 3,333 |
| Tier 1 risk-based capital ratio | 12.2355% | 4,220 |
| Total risk-based capital ratio | 13.2526% | 4,235 |
| Memoranda: | ||
| Average total assets | $351,314,000 | 1,904 |
| Average earning assets | $317,445,000 | 1,932 |
| Average equity | $36,581,800 | 2,072 |
| Average total loans | $250,833,200 | 1,825 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 907 |
| Cost of funding earning assets | 0.1741% | 5,083 |
| Net interest margin | 5.1028% | 231 |
| Noninterest income to average assets | 0.8348% | 1,313 |
| Noninterest expense to average assets | 3.5030% | 945 |
| Loan and lease loss provision to assets | 0.0795% | 2,318 |
| Net operating income to assets | 1.5209% | 1,133 |
| Return on assets (ROA) | 1.5322% | 1,160 |
| Pretax return on assets | 1.8841% | 899 |
| Return on Equity (ROE) | 14.7452% | 836 |
| Retained earnings to average equity (ytd only) | 3.4793% | 3,669 |
| Net charge-offs to loans | 0.0664% | 1,878 |
| Credit loss provision to net charge-offs | 168.2927% | 1,501 |
| Earnings coverage of net charge-offs (x) | 41.2591% | 1,350 |
| Efficiency ratio | 63.6440% | 3,077 |
| Assets per employee ($millions) | 5.0717% | 2,475 |
| Cash dividends to net income (ytd only)* | 76.4043% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,530 |
| Loan loss allowance to noncurrent loans | 1,525.6250% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,491 |
| Noncurrent loans to loans | 0.0660% | 4,342 |
| Net loans and leases to total assets | 67.6141% | 2,849 |
| Net loans and leases to deposits | 76.3114% | 3,262 |
| Net loans and leases to core deposits | 79.3693% | 3,434 |
| Total domestic deposits to total assets | 88.6029% | 783 |
| Equity capital to assets | 10.5732% | 3,485 |
| Core capital (leverage) ratio | 9.8316% | 3,806 |
| Tier 1 risk-based capital ratio | 12.7793% | 3,969 |
| Total risk-based capital ratio | 13.6808% | 4,066 |
| Memoranda: | ||
| Average total assets | $347,041,500 | 1,930 |
| Average earning assets | $314,065,250 | 1,953 |
| Average equity | $36,060,500 | 2,100 |
| Average total loans | $246,950,750 | 1,855 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 813 |
| Cost of funding earning assets | 0.1654% | 5,134 |
| Net interest margin | 5.1366% | 221 |
| Noninterest income to average assets | 0.8235% | 1,268 |
| Noninterest expense to average assets | 3.4427% | 1,038 |
| Loan and lease loss provision to assets | 0.0767% | 2,285 |
| Net operating income to assets | 1.4958% | 1,161 |
| Return on assets (ROA) | 1.5123% | 1,165 |
| Pretax return on assets | 1.9786% | 702 |
| Return on Equity (ROE) | 14.6422% | 845 |
| Retained earnings to average equity (ytd only) | -2.4910% | 4,947 |
| Net charge-offs to loans | 0.0942% | 1,422 |
| Credit loss provision to net charge-offs | 112.8205% | 1,819 |
| Earnings coverage of net charge-offs (x) | 29.9402% | 1,461 |
| Efficiency ratio | 62.2309% | 3,395 |
| Assets per employee ($millions) | 5.2575% | 2,192 |
| Cash dividends to net income (ytd only)* | 117.0123% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.3195% | 3,190 |
| Net loans and leases to deposits | 73.0260% | 3,593 |
| Net loans and leases to core deposits | 75.7843% | 3,751 |
| Total domestic deposits to total assets | 89.4468% | 493 |
| Equity capital to assets | 9.8038% | 4,137 |
| Core capital (leverage) ratio | 9.3879% | 4,263 |
| Tier 1 risk-based capital ratio | 12.4023% | 4,183 |
| Total risk-based capital ratio | 13.2888% | 4,281 |
| Memoranda: | ||
| Average total assets | $344,382,330 | 1,953 |
| Average earning assets | $311,993,330 | 1,972 |
| Average equity | $35,568,330 | 2,114 |
| Average total loans | $248,439,670 | 1,855 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4088% | 620 |
| Cost of funding earning assets | 0.1516% | 5,209 |
| Net interest margin | 5.2572% | 180 |
| Noninterest income to average assets | 0.8119% | 1,265 |
| Noninterest expense to average assets | 3.6107% | 833 |
| Loan and lease loss provision to assets | 0.0686% | 2,290 |
| Net operating income to assets | 1.4428% | 1,258 |
| Return on assets (ROA) | 1.4770% | 1,184 |
| Pretax return on assets | 1.9305% | 744 |
| Return on Equity (ROE) | 13.9101% | 989 |
| Retained earnings to average equity (ytd only) | -20.6046% | 5,262 |
| Net charge-offs to loans | 0.0462% | 1,617 |
| Credit loss provision to net charge-offs | 196.5517% | 1,074 |
| Earnings coverage of net charge-offs (x) | 56.0690% | 956 |
| Efficiency ratio | 64.2178% | 3,201 |
| Assets per employee ($millions) | 5.0505% | 2,459 |
| Cash dividends to net income (ytd only)* | 248.1270% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,978 |
| Loan loss allowance to noncurrent loans | 454.2857% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,041 |
| Noncurrent loans to loans | 0.2083% | 3,841 |
| Net loans and leases to total assets | 72.7086% | 2,044 |
| Net loans and leases to deposits | 81.4646% | 2,669 |
| Net loans and leases to core deposits | 84.5212% | 2,985 |
| Total domestic deposits to total assets | 89.2518% | 741 |
| Equity capital to assets | 10.0412% | 3,788 |
| Core capital (leverage) ratio | 9.7088% | 3,908 |
| Tier 1 risk-based capital ratio | 11.5785% | 4,703 |
| Total risk-based capital ratio | 12.4471% | 4,795 |
| Memoranda: | ||
| Average total assets | $332,562,500 | 2,009 |
| Average earning assets | $300,769,500 | 2,046 |
| Average equity | $35,312,500 | 2,126 |
| Average total loans | $251,278,500 | 1,851 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 713 |
| Cost of funding earning assets | 0.1147% | 5,260 |
| Net interest margin | 5.0764% | 230 |
| Noninterest income to average assets | 0.8885% | 1,205 |
| Noninterest expense to average assets | 3.5854% | 888 |
| Loan and lease loss provision to assets | 0.1209% | 1,821 |
| Net operating income to assets | 1.4184% | 1,370 |
| Return on assets (ROA) | 1.4282% | 1,334 |
| Pretax return on assets | 1.7860% | 960 |
| Return on Equity (ROE) | 13.3014% | 1,235 |
| Retained earnings to average equity (ytd only) | 6.9883% | 1,675 |
| Net charge-offs to loans | 0.0699% | 2,115 |
| Credit loss provision to net charge-offs | 231.7365% | 1,272 |
| Earnings coverage of net charge-offs (x) | 36.3054% | 1,418 |
| Efficiency ratio | 64.7468% | 3,074 |
| Assets per employee ($millions) | 4.8741% | 2,648 |
| Cash dividends to net income (ytd only)* | 47.4617% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,989 |
| Loan loss allowance to noncurrent loans | 428.5455% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,961 |
| Noncurrent loans to loans | 0.2196% | 3,793 |
| Net loans and leases to total assets | 77.1265% | 1,421 |
| Net loans and leases to deposits | 87.7178% | 2,080 |
| Net loans and leases to core deposits | 92.4762% | 2,368 |
| Total domestic deposits to total assets | 87.9257% | 1,331 |
| Equity capital to assets | 11.2344% | 2,483 |
| Core capital (leverage) ratio | 10.8410% | 2,689 |
| Tier 1 risk-based capital ratio | 12.1837% | 4,307 |
| Total risk-based capital ratio | 13.0336% | 4,454 |
| Memoranda: | ||
| Average total assets | $319,993,600 | 2,042 |
| Average earning assets | $289,437,000 | 2,077 |
| Average equity | $34,357,400 | 2,097 |
| Average total loans | $238,882,600 | 1,887 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 729 |
| Cost of funding earning assets | 0.1111% | 5,326 |
| Net interest margin | 5.0067% | 266 |
| Noninterest income to average assets | 0.8540% | 1,323 |
| Noninterest expense to average assets | 3.6064% | 850 |
| Loan and lease loss provision to assets | 0.1273% | 1,580 |
| Net operating income to assets | 1.3470% | 1,674 |
| Return on assets (ROA) | 1.3601% | 1,626 |
| Pretax return on assets | 1.6689% | 1,354 |
| Return on Equity (ROE) | 12.8173% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,623 |
| Net charge-offs to loans | 0.0853% | 1,656 |
| Credit loss provision to net charge-offs | 201.9868% | 1,368 |
| Earnings coverage of net charge-offs (x) | 28.2514% | 1,673 |
| Efficiency ratio | 66.2665% | 2,819 |
| Assets per employee ($millions) | 4.4509% | 3,197 |
| Cash dividends to net income (ytd only)* | 66.5644% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,867 |
| Loan loss allowance to noncurrent loans | 4,675.5102% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 2,316 |
| Noncurrent loans to loans | 0.0211% | 4,813 |
| Net loans and leases to total assets | 72.9340% | 2,178 |
| Net loans and leases to deposits | 82.7321% | 2,738 |
| Net loans and leases to core deposits | 87.6220% | 2,866 |
| Total domestic deposits to total assets | 88.1568% | 1,174 |
| Equity capital to assets | 10.9888% | 2,678 |
| Core capital (leverage) ratio | 10.1698% | 3,443 |
| Tier 1 risk-based capital ratio | 12.2540% | 4,347 |
| Total risk-based capital ratio | 13.1198% | 4,455 |
| Memoranda: | ||
| Average total assets | $319,569,250 | 2,058 |
| Average earning assets | $289,285,250 | 2,092 |
| Average equity | $33,911,750 | 2,119 |
| Average total loans | $235,986,750 | 1,916 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 725 |
| Cost of funding earning assets | 0.1066% | 5,388 |
| Net interest margin | 4.9460% | 268 |
| Noninterest income to average assets | 0.9153% | 1,139 |
| Noninterest expense to average assets | 3.4780% | 1,027 |
| Loan and lease loss provision to assets | 0.1434% | 1,345 |
| Net operating income to assets | 1.3637% | 1,558 |
| Return on assets (ROA) | 1.3637% | 1,559 |
| Pretax return on assets | 1.7796% | 1,010 |
| Return on Equity (ROE) | 13.0023% | 1,373 |
| Retained earnings to average equity (ytd only) | 1.9500% | 4,476 |
| Net charge-offs to loans | 0.0498% | 1,892 |
| Credit loss provision to net charge-offs | 389.8305% | 840 |
| Earnings coverage of net charge-offs (x) | 52.2712% | 1,098 |
| Efficiency ratio | 63.7151% | 3,358 |
| Assets per employee ($millions) | 4.9485% | 2,484 |
| Cash dividends to net income (ytd only)* | 85.0023% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,848 |
| Loan loss allowance to noncurrent loans | 113.5268% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 2,326 |
| Noncurrent loans to loans | 0.8799% | 1,970 |
| Net loans and leases to total assets | 68.9940% | 2,729 |
| Net loans and leases to deposits | 77.5243% | 3,200 |
| Net loans and leases to core deposits | 81.5244% | 3,286 |
| Total domestic deposits to total assets | 88.9966% | 937 |
| Equity capital to assets | 10.2675% | 3,371 |
| Core capital (leverage) ratio | 9.8437% | 3,739 |
| Tier 1 risk-based capital ratio | 12.1069% | 4,437 |
| Total risk-based capital ratio | 12.9903% | 4,537 |
| Memoranda: | ||
| Average total assets | $320,754,670 | 2,060 |
| Average earning assets | $290,903,670 | 2,094 |
| Average equity | $33,640,330 | 2,137 |
| Average total loans | $237,058,330 | 1,912 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 538 |
| Cost of funding earning assets | 0.1076% | 5,443 |
| Net interest margin | 5.0462% | 215 |
| Noninterest income to average assets | 0.8460% | 1,315 |
| Noninterest expense to average assets | 3.5135% | 978 |
| Loan and lease loss provision to assets | 0.0761% | 2,240 |
| Net operating income to assets | 1.4067% | 1,323 |
| Return on assets (ROA) | 1.4067% | 1,332 |
| Pretax return on assets | 1.8367% | 844 |
| Return on Equity (ROE) | 13.2657% | 1,195 |
| Retained earnings to average equity (ytd only) | -8.9714% | 5,339 |
| Net charge-offs to loans | 0.0300% | 1,897 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 83.7778% | 686 |
| Efficiency ratio | 64.0486% | 3,477 |
| Assets per employee ($millions) | 4.8940% | 2,615 |
| Cash dividends to net income (ytd only)* | 167.6285% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 4,264 |
| Loan loss allowance to noncurrent loans | 88.7215% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 1,989 |
| Noncurrent loans to loans | 1.0590% | 1,731 |
| Net loans and leases to total assets | 72.2188% | 2,134 |
| Net loans and leases to deposits | 81.1579% | 2,676 |
| Net loans and leases to core deposits | 84.7259% | 2,918 |
| Total domestic deposits to total assets | 88.9856% | 1,097 |
| Equity capital to assets | 10.3675% | 3,198 |
| Core capital (leverage) ratio | 9.6230% | 3,936 |
| Tier 1 risk-based capital ratio | 11.8049% | 4,680 |
| Total risk-based capital ratio | 12.6477% | 4,824 |
| Memoranda: | ||
| Average total assets | $315,356,000 | 2,107 |
| Average earning assets | $286,236,000 | 2,144 |
| Average equity | $33,439,500 | 2,164 |
| Average total loans | $240,058,000 | 1,898 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 556 |
| Cost of funding earning assets | 0.1207% | 5,408 |
| Net interest margin | 4.9588% | 250 |
| Noninterest income to average assets | 0.7935% | 1,587 |
| Noninterest expense to average assets | 3.3945% | 1,208 |
| Loan and lease loss provision to assets | 0.0701% | 2,799 |
| Net operating income to assets | 1.1625% | 1,641 |
| Return on assets (ROA) | 1.1685% | 1,650 |
| Pretax return on assets | 1.8515% | 688 |
| Return on Equity (ROE) | 10.6739% | 1,601 |
| Retained earnings to average equity (ytd only) | 8.6276% | 580 |
| Net charge-offs to loans | 0.0169% | 3,533 |
| Credit loss provision to net charge-offs | 552.6316% | 584 |
| Earnings coverage of net charge-offs (x) | 150.7368% | 477 |
| Efficiency ratio | 63.2172% | 3,730 |
| Assets per employee ($millions) | 4.6713% | 2,908 |
| Cash dividends to net income (ytd only)* | 19.1714% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,637 |
| Loan loss allowance to noncurrent loans | 92.1450% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 2,054 |
| Noncurrent loans to loans | 0.9315% | 1,912 |
| Net loans and leases to total assets | 78.7976% | 1,159 |
| Net loans and leases to deposits | 89.9776% | 1,779 |
| Net loans and leases to core deposits | 93.6112% | 2,231 |
| Total domestic deposits to total assets | 87.5747% | 1,721 |
| Equity capital to assets | 10.9504% | 2,677 |
| Core capital (leverage) ratio | 10.6628% | 2,683 |
| Tier 1 risk-based capital ratio | 11.5943% | 4,793 |
| Total risk-based capital ratio | 12.3772% | 4,959 |
| Memoranda: | ||
| Average total assets | $299,541,800 | 2,169 |
| Average earning assets | $272,628,000 | 2,192 |
| Average equity | $32,790,200 | 2,181 |
| Average total loans | $224,996,000 | 1,967 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 580 |
| Cost of funding earning assets | 0.1146% | 5,498 |
| Net interest margin | 4.9105% | 269 |
| Noninterest income to average assets | 0.7545% | 1,762 |
| Noninterest expense to average assets | 3.4446% | 1,075 |
| Loan and lease loss provision to assets | 0.0540% | 3,014 |
| Net operating income to assets | 1.2084% | 1,658 |
| Return on assets (ROA) | 1.2172% | 1,653 |
| Pretax return on assets | 1.7435% | 1,016 |
| Return on Equity (ROE) | 11.1205% | 1,652 |
| Retained earnings to average equity (ytd only) | 8.3610% | 1,070 |
| Net charge-offs to loans | -0.0097% | 4,631 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1029% | 3,357 |
| Assets per employee ($millions) | 4.5386% | 3,073 |
| Cash dividends to net income (ytd only)* | 24.8150% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,412 |
| Loan loss allowance to noncurrent loans | 145.7639% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,981 |
| Noncurrent loans to loans | 0.6410% | 2,793 |
| Net loans and leases to total assets | 76.6199% | 1,480 |
| Net loans and leases to deposits | 88.0819% | 2,051 |
| Net loans and leases to core deposits | 91.6820% | 2,473 |
| Total domestic deposits to total assets | 86.9871% | 1,879 |
| Equity capital to assets | 11.5746% | 2,297 |
| Core capital (leverage) ratio | 10.6809% | 2,785 |
| Tier 1 risk-based capital ratio | 12.2781% | 4,450 |
| Total risk-based capital ratio | 13.1150% | 4,595 |
| Memoranda: | ||
| Average total assets | $296,183,750 | 2,202 |
| Average earning assets | $269,920,000 | 2,225 |
| Average equity | $32,419,750 | 2,213 |
| Average total loans | $219,057,250 | 2,014 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 529 |
| Cost of funding earning assets | 0.1162% | 5,529 |
| Net interest margin | 4.9231% | 255 |
| Noninterest income to average assets | 0.7515% | 1,767 |
| Noninterest expense to average assets | 3.3118% | 1,349 |
| Loan and lease loss provision to assets | 0.0403% | 3,204 |
| Net operating income to assets | 1.2251% | 1,518 |
| Return on assets (ROA) | 1.2251% | 1,554 |
| Pretax return on assets | 1.8921% | 670 |
| Return on Equity (ROE) | 11.4056% | 1,495 |
| Retained earnings to average equity (ytd only) | 7.2144% | 1,489 |
| Net charge-offs to loans | -0.0534% | 5,203 |
| Credit loss provision to net charge-offs | -103.4483% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3976% | 3,924 |
| Assets per employee ($millions) | 4.6561% | 2,854 |
| Cash dividends to net income (ytd only)* | 36.7470% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 4,329 |
| Loan loss allowance to noncurrent loans | 340.5892% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 4,374 |
| Noncurrent loans to loans | 0.2846% | 4,018 |
| Net loans and leases to total assets | 69.1779% | 2,639 |
| Net loans and leases to deposits | 78.0478% | 3,115 |
| Net loans and leases to core deposits | 81.0929% | 3,339 |
| Total domestic deposits to total assets | 88.6353% | 1,139 |
| Equity capital to assets | 10.6853% | 3,142 |
| Core capital (leverage) ratio | 10.0261% | 3,507 |
| Tier 1 risk-based capital ratio | 12.4334% | 4,336 |
| Total risk-based capital ratio | 13.2990% | 4,482 |
| Memoranda: | ||
| Average total assets | $298,087,330 | 2,200 |
| Average earning assets | $272,025,330 | 2,222 |
| Average equity | $32,019,330 | 2,229 |
| Average total loans | $217,190,000 | 2,029 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3812% | 280 |
| Cost of funding earning assets | 0.1151% | 5,589 |
| Net interest margin | 5.2661% | 144 |
| Noninterest income to average assets | 0.7305% | 1,826 |
| Noninterest expense to average assets | 3.4033% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3725% | 1,053 |
| Return on assets (ROA) | 1.3725% | 1,090 |
| Pretax return on assets | 2.1276% | 397 |
| Return on Equity (ROE) | 12.7424% | 1,056 |
| Retained earnings to average equity (ytd only) | 4.2517% | 3,314 |
| Net charge-offs to loans | -0.1117% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7935% | 4,347 |
| Assets per employee ($millions) | 4.7786% | 2,733 |
| Cash dividends to net income (ytd only)* | 66.6336% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,657 |
| Loan loss allowance to noncurrent loans | 322.2930% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 4,401 |
| Noncurrent loans to loans | 0.2874% | 4,088 |
| Net loans and leases to total assets | 71.9079% | 2,087 |
| Net loans and leases to deposits | 80.9727% | 2,625 |
| Net loans and leases to core deposits | 84.5888% | 2,849 |
| Total domestic deposits to total assets | 88.8051% | 1,253 |
| Equity capital to assets | 10.5773% | 3,096 |
| Core capital (leverage) ratio | 10.0342% | 3,454 |
| Tier 1 risk-based capital ratio | 11.9368% | 4,760 |
| Total risk-based capital ratio | 12.7688% | 4,922 |
| Memoranda: | ||
| Average total assets | $293,480,000 | 2,246 |
| Average earning assets | $267,521,500 | 2,261 |
| Average equity | $31,611,000 | 2,255 |
| Average total loans | $218,452,000 | 2,037 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 949 |
| Cost of funding earning assets | 0.1599% | 5,357 |
| Net interest margin | 4.5981% | 513 |
| Noninterest income to average assets | 0.6971% | 2,187 |
| Noninterest expense to average assets | 3.4267% | 1,300 |
| Loan and lease loss provision to assets | 0.0708% | 2,944 |
| Net operating income to assets | 0.9740% | 2,468 |
| Return on assets (ROA) | 0.9943% | 2,479 |
| Pretax return on assets | 1.4346% | 1,803 |
| Return on Equity (ROE) | 9.7786% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.7786% | 452 |
| Net charge-offs to loans | 0.0456% | 3,129 |
| Credit loss provision to net charge-offs | 212.7660% | 1,338 |
| Earnings coverage of net charge-offs (x) | 44.3298% | 1,093 |
| Efficiency ratio | 68.9690% | 3,079 |
| Assets per employee ($millions) | 4.5383% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,790 |
| Loan loss allowance to noncurrent loans | 100.3066% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,660 |
| Noncurrent loans to loans | 0.8961% | 2,305 |
| Net loans and leases to total assets | 75.7015% | 1,561 |
| Net loans and leases to deposits | 87.1508% | 2,030 |
| Net loans and leases to core deposits | 91.7048% | 2,327 |
| Total domestic deposits to total assets | 86.8627% | 2,216 |
| Equity capital to assets | 10.9751% | 2,649 |
| Core capital (leverage) ratio | 10.4736% | 2,902 |
| Tier 1 risk-based capital ratio | 11.7891% | 4,871 |
| Total risk-based capital ratio | 12.5970% | 5,043 |
| Memoranda: | ||
| Average total assets | $282,316,000 | 2,272 |
| Average earning assets | $258,213,000 | 2,293 |
| Average equity | $28,705,400 | 2,474 |
| Average total loans | $206,197,800 | 2,070 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,046 |
| Cost of funding earning assets | 0.1655% | 5,383 |
| Net interest margin | 4.5417% | 568 |
| Noninterest income to average assets | 0.6718% | 2,303 |
| Noninterest expense to average assets | 3.4363% | 1,274 |
| Loan and lease loss provision to assets | 0.0853% | 2,519 |
| Net operating income to assets | 0.9353% | 2,723 |
| Return on assets (ROA) | 0.9632% | 2,738 |
| Pretax return on assets | 1.3507% | 2,233 |
| Return on Equity (ROE) | 9.6679% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.6679% | 650 |
| Net charge-offs to loans | -0.0138% | 4,888 |
| Credit loss provision to net charge-offs | -857.1429% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1598% | 2,862 |
| Assets per employee ($millions) | 4.3823% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,345 |
| Loan loss allowance to noncurrent loans | 116.6006% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 2,983 |
| Noncurrent loans to loans | 0.8660% | 2,520 |
| Net loans and leases to total assets | 73.0733% | 2,011 |
| Net loans and leases to deposits | 82.9559% | 2,608 |
| Net loans and leases to core deposits | 88.2164% | 2,737 |
| Total domestic deposits to total assets | 88.0869% | 1,358 |
| Equity capital to assets | 11.2770% | 2,723 |
| Core capital (leverage) ratio | 10.0279% | 3,539 |
| Tier 1 risk-based capital ratio | 12.2525% | 4,643 |
| Total risk-based capital ratio | 13.1575% | 4,738 |
| Memoranda: | ||
| Average total assets | $281,417,250 | 2,282 |
| Average earning assets | $257,841,500 | 2,304 |
| Average equity | $28,037,000 | 2,531 |
| Average total loans | $203,146,750 | 2,100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,079 |
| Cost of funding earning assets | 0.1727% | 5,388 |
| Net interest margin | 4.5133% | 600 |
| Noninterest income to average assets | 0.6631% | 2,315 |
| Noninterest expense to average assets | 3.3539% | 1,476 |
| Loan and lease loss provision to assets | 0.0847% | 2,451 |
| Net operating income to assets | 0.9050% | 2,835 |
| Return on assets (ROA) | 0.9442% | 2,794 |
| Pretax return on assets | 1.4181% | 1,954 |
| Return on Equity (ROE) | 9.9020% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.9020% | 623 |
| Net charge-offs to loans | -0.0296% | 5,116 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9579% | 3,160 |
| Assets per employee ($millions) | 4.5870% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,438 |
| Loan loss allowance to noncurrent loans | 116.3478% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,067 |
| Noncurrent loans to loans | 0.8711% | 2,563 |
| Net loans and leases to total assets | 66.7737% | 2,972 |
| Net loans and leases to deposits | 74.9465% | 3,487 |
| Net loans and leases to core deposits | 79.0033% | 3,552 |
| Total domestic deposits to total assets | 89.0952% | 876 |
| Equity capital to assets | 10.3502% | 3,795 |
| Core capital (leverage) ratio | 9.3772% | 4,361 |
| Tier 1 risk-based capital ratio | 12.0775% | 4,779 |
| Total risk-based capital ratio | 12.9714% | 4,909 |
| Memoranda: | ||
| Average total assets | $283,195,330 | 2,281 |
| Average earning assets | $259,453,670 | 2,303 |
| Average equity | $27,004,670 | 2,590 |
| Average total loans | $202,928,670 | 2,109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 878 |
| Cost of funding earning assets | 0.1835% | 5,343 |
| Net interest margin | 4.6038% | 496 |
| Noninterest income to average assets | 0.6518% | 2,259 |
| Noninterest expense to average assets | 3.3754% | 1,433 |
| Loan and lease loss provision to assets | 0.0863% | 2,240 |
| Net operating income to assets | 0.9424% | 2,547 |
| Return on assets (ROA) | 0.9424% | 2,662 |
| Pretax return on assets | 1.4129% | 1,866 |
| Return on Equity (ROE) | 10.3498% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.3498% | 777 |
| Net charge-offs to loans | -0.0643% | 5,457 |
| Credit loss provision to net charge-offs | -181.8182% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2999% | 3,412 |
| Assets per employee ($millions) | 4.4532% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,783 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 2,471 |
| Noncurrent loans to loans | 0.9063% | 2,589 |
| Net loans and leases to total assets | 68.1486% | 2,630 |
| Net loans and leases to deposits | 75.0662% | 3,318 |
| Net loans and leases to core deposits | 79.0444% | 3,405 |
| Total domestic deposits to total assets | 90.7847% | 332 |
| Equity capital to assets | 8.7417% | 5,387 |
| Core capital (leverage) ratio | 8.1424% | 5,690 |
| Tier 1 risk-based capital ratio | 9.9268% | 5,923 |
| Total risk-based capital ratio | 10.7892% | 5,981 |
| Memoranda: | ||
| Average total assets | $278,008,500 | 2,327 |
| Average earning assets | $255,005,500 | 2,347 |
| Average equity | $25,314,500 | 2,721 |
| Average total loans | $205,376,000 | 2,094 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 689 |
| Cost of funding earning assets | 0.2135% | 5,155 |
| Net interest margin | 4.7353% | 427 |
| Noninterest income to average assets | 0.7134% | 2,138 |
| Noninterest expense to average assets | 3.7626% | 903 |
| Loan and lease loss provision to assets | 0.1787% | 1,270 |
| Net operating income to assets | 0.8098% | 3,302 |
| Return on assets (ROA) | 0.8152% | 3,355 |
| Pretax return on assets | 1.0894% | 3,110 |
| Return on Equity (ROE) | 8.0183% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.0183% | 908 |
| Net charge-offs to loans | 0.1056% | 2,336 |
| Credit loss provision to net charge-offs | 225.1337% | 1,260 |
| Earnings coverage of net charge-offs (x) | 15.8877% | 2,174 |
| Efficiency ratio | 74.4445% | 2,506 |
| Assets per employee ($millions) | 4.0954% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 5,117 |
| Loan loss allowance to noncurrent loans | 97.0219% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 2,107 |
| Noncurrent loans to loans | 0.9180% | 2,506 |
| Net loans and leases to total assets | 78.8417% | 1,014 |
| Net loans and leases to deposits | 87.6574% | 1,922 |
| Net loans and leases to core deposits | 93.0243% | 2,129 |
| Total domestic deposits to total assets | 89.9430% | 651 |
| Equity capital to assets | 9.5137% | 4,537 |
| Core capital (leverage) ratio | 8.5281% | 5,393 |
| Tier 1 risk-based capital ratio | 9.3197% | 6,070 |
| Total risk-based capital ratio | 10.1199% | 6,106 |
| Memoranda: | ||
| Average total assets | $235,636,000 | 2,616 |
| Average earning assets | $214,476,000 | 2,640 |
| Average equity | $23,957,600 | 2,789 |
| Average total loans | $177,058,600 | 2,272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 844 |
| Cost of funding earning assets | 0.2150% | 5,232 |
| Net interest margin | 4.6411% | 503 |
| Noninterest income to average assets | 0.7050% | 2,206 |
| Noninterest expense to average assets | 3.7294% | 932 |
| Loan and lease loss provision to assets | 0.1351% | 1,660 |
| Net operating income to assets | 0.8148% | 3,359 |
| Return on assets (ROA) | 0.8395% | 3,307 |
| Pretax return on assets | 1.0951% | 3,248 |
| Return on Equity (ROE) | 8.1079% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.1079% | 1,210 |
| Net charge-offs to loans | 0.0567% | 2,790 |
| Credit loss provision to net charge-offs | 322.2222% | 906 |
| Earnings coverage of net charge-offs (x) | 28.5826% | 1,540 |
| Efficiency ratio | 75.5435% | 2,312 |
| Assets per employee ($millions) | 3.8533% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 5,188 |
| Loan loss allowance to noncurrent loans | 53.3853% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,695 |
| Noncurrent loans to loans | 1.6946% | 1,427 |
| Net loans and leases to total assets | 77.9308% | 1,108 |
| Net loans and leases to deposits | 86.8763% | 2,045 |
| Net loans and leases to core deposits | 91.1392% | 2,342 |
| Total domestic deposits to total assets | 89.7032% | 692 |
| Equity capital to assets | 9.7646% | 4,427 |
| Core capital (leverage) ratio | 9.1314% | 4,835 |
| Tier 1 risk-based capital ratio | 9.6430% | 6,114 |
| Total risk-based capital ratio | 10.4563% | 6,163 |
| Memoranda: | ||
| Average total assets | $229,018,750 | 2,691 |
| Average earning assets | $208,362,750 | 2,718 |
| Average equity | $23,713,000 | 2,832 |
| Average total loans | $169,197,000 | 2,374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 798 |
| Cost of funding earning assets | 0.2231% | 5,225 |
| Net interest margin | 4.6345% | 499 |
| Noninterest income to average assets | 0.6941% | 2,238 |
| Noninterest expense to average assets | 3.6301% | 1,075 |
| Loan and lease loss provision to assets | 0.0793% | 2,527 |
| Net operating income to assets | 0.8417% | 3,161 |
| Return on assets (ROA) | 0.8473% | 3,241 |
| Pretax return on assets | 1.2070% | 2,753 |
| Return on Equity (ROE) | 8.0119% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.0119% | 1,265 |
| Net charge-offs to loans | 0.0700% | 2,393 |
| Credit loss provision to net charge-offs | 157.1429% | 1,487 |
| Earnings coverage of net charge-offs (x) | 25.3214% | 1,528 |
| Efficiency ratio | 73.8843% | 2,691 |
| Assets per employee ($millions) | 4.0131% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 4,813 |
| Loan loss allowance to noncurrent loans | 64.2718% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 2,214 |
| Noncurrent loans to loans | 1.5733% | 1,678 |
| Net loans and leases to total assets | 72.0895% | 1,964 |
| Net loans and leases to deposits | 81.1550% | 2,647 |
| Net loans and leases to core deposits | 84.8779% | 2,896 |
| Total domestic deposits to total assets | 88.8294% | 1,232 |
| Equity capital to assets | 10.6170% | 3,304 |
| Core capital (leverage) ratio | 9.8110% | 3,850 |
| Tier 1 risk-based capital ratio | 12.5756% | 4,758 |
| Total risk-based capital ratio | 13.5203% | 4,856 |
| Memoranda: | ||
| Average total assets | $221,869,330 | 2,775 |
| Average earning assets | $201,746,000 | 2,801 |
| Average equity | $23,465,000 | 2,871 |
| Average total loans | $159,938,330 | 2,483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 879 |
| Cost of funding earning assets | 0.2313% | 5,198 |
| Net interest margin | 4.5598% | 542 |
| Noninterest income to average assets | 0.6696% | 2,308 |
| Noninterest expense to average assets | 3.6418% | 1,077 |
| Loan and lease loss provision to assets | 0.0635% | 2,657 |
| Net operating income to assets | 0.7650% | 3,453 |
| Return on assets (ROA) | 0.7766% | 3,520 |
| Pretax return on assets | 1.0942% | 3,105 |
| Return on Equity (ROE) | 7.3579% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.3579% | 1,830 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0622% | 2,504 |
| Assets per employee ($millions) | 4.1959% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 4,827 |
| Loan loss allowance to noncurrent loans | 56.6109% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 2,059 |
| Noncurrent loans to loans | 1.8362% | 1,465 |
| Net loans and leases to total assets | 69.6204% | 2,190 |
| Net loans and leases to deposits | 78.1730% | 2,780 |
| Net loans and leases to core deposits | 82.0692% | 2,958 |
| Total domestic deposits to total assets | 89.0595% | 1,225 |
| Equity capital to assets | 10.4016% | 3,646 |
| Core capital (leverage) ratio | 9.7561% | 3,945 |
| Tier 1 risk-based capital ratio | 12.0834% | 5,182 |
| Total risk-based capital ratio | 13.0304% | 5,286 |
| Memoranda: | ||
| Average total assets | $220,437,500 | 2,802 |
| Average earning assets | $198,870,500 | 2,849 |
| Average equity | $23,267,500 | 2,905 |
| Average total loans | $158,075,500 | 2,510 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 876 |
| Cost of funding earning assets | 0.2591% | 5,235 |
| Net interest margin | 4.6694% | 548 |
| Noninterest income to average assets | 0.7103% | 2,255 |
| Noninterest expense to average assets | 3.7434% | 1,073 |
| Loan and lease loss provision to assets | 0.1643% | 1,598 |
| Net operating income to assets | 0.7471% | 3,641 |
| Return on assets (ROA) | 0.7366% | 3,809 |
| Pretax return on assets | 1.0178% | 3,428 |
| Return on Equity (ROE) | 7.1367% | 3,553 |
| Retained earnings to average equity (ytd only) | 5.2581% | 2,428 |
| Net charge-offs to loans | 0.1083% | 2,966 |
| Credit loss provision to net charge-offs | 222.9299% | 1,125 |
| Earnings coverage of net charge-offs (x) | 16.2357% | 2,026 |
| Efficiency ratio | 75.6913% | 2,560 |
| Assets per employee ($millions) | 4.0433% | 3,850 |
| Cash dividends to net income (ytd only)* | 26.3225% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 4,878 |
| Loan loss allowance to noncurrent loans | 55.1513% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3724% | 2,032 |
| Noncurrent loans to loans | 1.8763% | 1,505 |
| Net loans and leases to total assets | 72.3890% | 1,849 |
| Net loans and leases to deposits | 82.2845% | 2,438 |
| Net loans and leases to core deposits | 87.0004% | 2,608 |
| Total domestic deposits to total assets | 87.9741% | 1,787 |
| Equity capital to assets | 10.7175% | 3,215 |
| Core capital (leverage) ratio | 9.9696% | 3,616 |
| Tier 1 risk-based capital ratio | 12.5652% | 4,996 |
| Total risk-based capital ratio | 13.5434% | 5,076 |
| Memoranda: | ||
| Average total assets | $213,012,800 | 2,853 |
| Average earning assets | $192,958,600 | 2,877 |
| Average equity | $21,985,000 | 2,951 |
| Average total loans | $144,921,600 | 2,642 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 877 |
| Cost of funding earning assets | 0.2666% | 5,242 |
| Net interest margin | 4.6608% | 547 |
| Noninterest income to average assets | 0.6965% | 2,347 |
| Noninterest expense to average assets | 3.8264% | 937 |
| Loan and lease loss provision to assets | 0.1354% | 1,840 |
| Net operating income to assets | 0.7126% | 3,876 |
| Return on assets (ROA) | 0.6914% | 4,075 |
| Pretax return on assets | 0.9253% | 3,885 |
| Return on Equity (ROE) | 6.7648% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,642 |
| Net charge-offs to loans | 0.0892% | 2,936 |
| Credit loss provision to net charge-offs | 227.3684% | 1,143 |
| Earnings coverage of net charge-offs (x) | 18.2847% | 1,853 |
| Efficiency ratio | 77.7707% | 2,219 |
| Assets per employee ($millions) | 4.0162% | 3,840 |
| Cash dividends to net income (ytd only)* | 37.4431% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,001 |
| Loan loss allowance to noncurrent loans | 228.6136% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 4,857 |
| Noncurrent loans to loans | 0.4584% | 4,527 |
| Net loans and leases to total assets | 68.7532% | 2,424 |
| Net loans and leases to deposits | 77.2950% | 3,027 |
| Net loans and leases to core deposits | 82.0939% | 3,095 |
| Total domestic deposits to total assets | 88.9491% | 1,266 |
| Equity capital to assets | 10.5285% | 3,521 |
| Core capital (leverage) ratio | 9.6162% | 4,212 |
| Tier 1 risk-based capital ratio | 13.0915% | 4,802 |
| Total risk-based capital ratio | 14.0880% | 4,875 |
| Memoranda: | ||
| Average total assets | $212,692,250 | 2,878 |
| Average earning assets | $192,525,000 | 2,904 |
| Average equity | $21,739,500 | 2,977 |
| Average total loans | $141,965,000 | 2,697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 946 |
| Cost of funding earning assets | 0.2635% | 5,350 |
| Net interest margin | 4.6133% | 570 |
| Noninterest income to average assets | 0.7026% | 2,264 |
| Noninterest expense to average assets | 3.7077% | 1,126 |
| Loan and lease loss provision to assets | 0.0470% | 3,367 |
| Net operating income to assets | 0.7992% | 3,342 |
| Return on assets (ROA) | 0.7854% | 3,502 |
| Pretax return on assets | 1.1268% | 2,987 |
| Return on Equity (ROE) | 7.7618% | 3,227 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,685 |
| Net charge-offs to loans | 0.1172% | 2,495 |
| Credit loss provision to net charge-offs | 60.9756% | 2,619 |
| Earnings coverage of net charge-offs (x) | 15.4756% | 1,845 |
| Efficiency ratio | 75.5709% | 2,712 |
| Assets per employee ($millions) | 3.9941% | 3,848 |
| Cash dividends to net income (ytd only)* | 49.4611% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,349 |
| Loan loss allowance to noncurrent loans | 203.3479% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 4,738 |
| Noncurrent loans to loans | 0.4920% | 4,519 |
| Net loans and leases to total assets | 64.0882% | 3,063 |
| Net loans and leases to deposits | 71.7266% | 3,606 |
| Net loans and leases to core deposits | 76.2789% | 3,602 |
| Total domestic deposits to total assets | 89.3506% | 1,184 |
| Equity capital to assets | 10.2442% | 3,765 |
| Core capital (leverage) ratio | 9.2945% | 4,599 |
| Tier 1 risk-based capital ratio | 13.3096% | 4,714 |
| Total risk-based capital ratio | 14.2351% | 4,861 |
| Memoranda: | ||
| Average total assets | $212,636,330 | 2,886 |
| Average earning assets | $193,527,670 | 2,911 |
| Average equity | $21,515,670 | 2,996 |
| Average total loans | $139,987,330 | 2,728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 869 |
| Cost of funding earning assets | 0.2644% | 5,447 |
| Net interest margin | 4.6390% | 523 |
| Noninterest income to average assets | 0.7086% | 2,132 |
| Noninterest expense to average assets | 3.7004% | 1,131 |
| Loan and lease loss provision to assets | 0.0095% | 3,703 |
| Net operating income to assets | 0.8486% | 2,902 |
| Return on assets (ROA) | 0.8128% | 3,163 |
| Pretax return on assets | 1.1690% | 2,620 |
| Return on Equity (ROE) | 8.0844% | 2,884 |
| Retained earnings to average equity (ytd only) | 0.3015% | 5,450 |
| Net charge-offs to loans | -0.0086% | 4,990 |
| Credit loss provision to net charge-offs | -166.6667% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9808% | 2,976 |
| Assets per employee ($millions) | 4.1349% | 3,649 |
| Cash dividends to net income (ytd only)* | 96.2704% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 5,450 |
| Loan loss allowance to noncurrent loans | 91.4704% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 3,607 |
| Noncurrent loans to loans | 1.1115% | 3,198 |
| Net loans and leases to total assets | 62.6561% | 3,131 |
| Net loans and leases to deposits | 69.5768% | 3,653 |
| Net loans and leases to core deposits | 73.4091% | 3,711 |
| Total domestic deposits to total assets | 90.0532% | 1,046 |
| Equity capital to assets | 9.5881% | 4,373 |
| Core capital (leverage) ratio | 9.3193% | 4,542 |
| Tier 1 risk-based capital ratio | 12.7711% | 5,144 |
| Total risk-based capital ratio | 13.7037% | 5,280 |
| Memoranda: | ||
| Average total assets | $211,112,500 | 2,912 |
| Average earning assets | $192,110,000 | 2,948 |
| Average equity | $21,226,000 | 3,024 |
| Average total loans | $140,168,500 | 2,733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 1,153 |
| Cost of funding earning assets | 0.3116% | 5,505 |
| Net interest margin | 4.5592% | 655 |
| Noninterest income to average assets | 0.8851% | 1,733 |
| Noninterest expense to average assets | 3.7972% | 1,142 |
| Loan and lease loss provision to assets | 0.0143% | 4,842 |
| Net operating income to assets | 0.9011% | 2,771 |
| Return on assets (ROA) | 0.9438% | 2,665 |
| Pretax return on assets | 1.2788% | 2,238 |
| Return on Equity (ROE) | 8.9309% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.9309% | 786 |
| Net charge-offs to loans | 0.1776% | 3,052 |
| Credit loss provision to net charge-offs | 12.5561% | 4,559 |
| Earnings coverage of net charge-offs (x) | 10.8475% | 2,309 |
| Efficiency ratio | 75.3603% | 2,882 |
| Assets per employee ($millions) | 3.6171% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 5,424 |
| Loan loss allowance to noncurrent loans | 89.6487% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 3,256 |
| Noncurrent loans to loans | 1.1468% | 3,248 |
| Net loans and leases to total assets | 69.1512% | 2,149 |
| Net loans and leases to deposits | 78.0873% | 2,712 |
| Net loans and leases to core deposits | 83.4200% | 2,730 |
| Total domestic deposits to total assets | 88.5562% | 1,884 |
| Equity capital to assets | 10.5777% | 3,073 |
| Core capital (leverage) ratio | 10.1902% | 3,306 |
| Tier 1 risk-based capital ratio | 13.2053% | 4,848 |
| Total risk-based capital ratio | 14.1645% | 4,985 |
| Memoranda: | ||
| Average total assets | $195,802,800 | 3,074 |
| Average earning assets | $178,123,000 | 3,098 |
| Average equity | $20,692,200 | 3,082 |
| Average total loans | $125,593,200 | 2,924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 1,450 |
| Cost of funding earning assets | 0.3146% | 5,601 |
| Net interest margin | 4.4455% | 814 |
| Noninterest income to average assets | 0.7726% | 2,270 |
| Noninterest expense to average assets | 3.6891% | 1,266 |
| Loan and lease loss provision to assets | 0.0191% | 4,628 |
| Net operating income to assets | 0.7904% | 3,395 |
| Return on assets (ROA) | 0.8225% | 3,356 |
| Pretax return on assets | 1.1568% | 2,862 |
| Return on Equity (ROE) | 7.7845% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.7845% | 1,505 |
| Net charge-offs to loans | 0.1745% | 2,826 |
| Credit loss provision to net charge-offs | 17.5000% | 4,109 |
| Earnings coverage of net charge-offs (x) | 10.3374% | 2,372 |
| Efficiency ratio | 76.4539% | 2,658 |
| Assets per employee ($millions) | 3.5858% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,057 |
| Loan loss allowance to noncurrent loans | 89.9879% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 3,416 |
| Noncurrent loans to loans | 1.2924% | 3,245 |
| Net loans and leases to total assets | 66.7174% | 2,518 |
| Net loans and leases to deposits | 76.8925% | 2,833 |
| Net loans and leases to core deposits | 83.1857% | 2,744 |
| Total domestic deposits to total assets | 86.7670% | 2,817 |
| Equity capital to assets | 10.8252% | 2,933 |
| Core capital (leverage) ratio | 10.2372% | 3,350 |
| Tier 1 risk-based capital ratio | 13.4711% | 4,774 |
| Total risk-based capital ratio | 14.5186% | 4,867 |
| Memoranda: | ||
| Average total assets | $195,019,000 | 3,114 |
| Average earning assets | $177,554,750 | 3,138 |
| Average equity | $20,604,500 | 3,126 |
| Average total loans | $122,242,250 | 3,016 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,451 |
| Cost of funding earning assets | 0.3148% | 5,718 |
| Net interest margin | 4.4320% | 799 |
| Noninterest income to average assets | 0.8074% | 2,158 |
| Noninterest expense to average assets | 3.6090% | 1,403 |
| Loan and lease loss provision to assets | 0.0285% | 4,357 |
| Net operating income to assets | 0.8578% | 3,006 |
| Return on assets (ROA) | 0.8491% | 3,199 |
| Pretax return on assets | 1.1949% | 2,698 |
| Return on Equity (ROE) | 8.1009% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.1009% | 1,442 |
| Net charge-offs to loans | 0.2612% | 2,162 |
| Credit loss provision to net charge-offs | 17.8344% | 3,767 |
| Earnings coverage of net charge-offs (x) | 7.7389% | 2,506 |
| Efficiency ratio | 74.4123% | 3,048 |
| Assets per employee ($millions) | 3.6789% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,726 |
| Loan loss allowance to noncurrent loans | 75.9269% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 3,693 |
| Noncurrent loans to loans | 1.6512% | 2,839 |
| Net loans and leases to total assets | 61.5539% | 3,377 |
| Net loans and leases to deposits | 69.1314% | 3,839 |
| Net loans and leases to core deposits | 75.6459% | 3,586 |
| Total domestic deposits to total assets | 89.0389% | 1,612 |
| Equity capital to assets | 10.6150% | 3,155 |
| Core capital (leverage) ratio | 9.7329% | 3,892 |
| Tier 1 risk-based capital ratio | 14.2335% | 4,270 |
| Total risk-based capital ratio | 15.3648% | 4,309 |
| Memoranda: | ||
| Average total assets | $196,676,000 | 3,106 |
| Average earning assets | $179,152,000 | 3,126 |
| Average equity | $20,615,000 | 3,139 |
| Average total loans | $120,227,330 | 3,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 1,396 |
| Cost of funding earning assets | 0.3127% | 5,868 |
| Net interest margin | 4.4398% | 752 |
| Noninterest income to average assets | 0.8266% | 2,012 |
| Noninterest expense to average assets | 3.5192% | 1,583 |
| Loan and lease loss provision to assets | 0.0562% | 3,700 |
| Net operating income to assets | 0.9140% | 2,590 |
| Return on assets (ROA) | 0.8969% | 2,822 |
| Pretax return on assets | 1.2721% | 2,327 |
| Return on Equity (ROE) | 8.6090% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.6090% | 1,519 |
| Net charge-offs to loans | 0.0166% | 3,826 |
| Credit loss provision to net charge-offs | 560.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 134.8000% | 290 |
| Efficiency ratio | 72.1582% | 3,584 |
| Assets per employee ($millions) | 4.0399% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,313 |
| Loan loss allowance to noncurrent loans | 164.7000% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 5,140 |
| Noncurrent loans to loans | 0.8408% | 4,439 |
| Net loans and leases to total assets | 58.0620% | 3,775 |
| Net loans and leases to deposits | 65.0034% | 4,186 |
| Net loans and leases to core deposits | 70.4978% | 4,013 |
| Total domestic deposits to total assets | 89.3216% | 1,474 |
| Equity capital to assets | 10.3626% | 3,720 |
| Core capital (leverage) ratio | 9.5979% | 3,933 |
| Tier 1 risk-based capital ratio | 13.8433% | 4,620 |
| Total risk-based capital ratio | 15.0796% | 4,589 |
| Memoranda: | ||
| Average total assets | $199,362,000 | 3,103 |
| Average earning assets | $181,630,000 | 3,122 |
| Average equity | $20,769,000 | 3,165 |
| Average total loans | $120,716,000 | 3,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 2,078 |
| Cost of funding earning assets | 0.3523% | 6,197 |
| Net interest margin | 4.4825% | 976 |
| Noninterest income to average assets | 0.6008% | 3,274 |
| Noninterest expense to average assets | 3.6489% | 1,509 |
| Loan and lease loss provision to assets | 0.0181% | 5,676 |
| Net operating income to assets | 0.7403% | 3,554 |
| Return on assets (ROA) | 0.8712% | 3,195 |
| Pretax return on assets | 1.2500% | 2,605 |
| Return on Equity (ROE) | 8.2358% | 2,986 |
| Retained earnings to average equity (ytd only) | 4.8511% | 2,808 |
| Net charge-offs to loans | 0.0212% | 5,605 |
| Credit loss provision to net charge-offs | 141.6667% | 1,937 |
| Earnings coverage of net charge-offs (x) | 84.7917% | 457 |
| Efficiency ratio | 75.8985% | 2,762 |
| Assets per employee ($millions) | 4.0985% | 3,739 |
| Cash dividends to net income (ytd only)* | 41.0976% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,511 |
| Loan loss allowance to noncurrent loans | 170.7676% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 5,073 |
| Noncurrent loans to loans | 0.7763% | 4,627 |
| Net loans and leases to total assets | 61.4442% | 3,345 |
| Net loans and leases to deposits | 71.2329% | 3,535 |
| Net loans and leases to core deposits | 77.6158% | 3,314 |
| Total domestic deposits to total assets | 86.2582% | 3,227 |
| Equity capital to assets | 10.4744% | 3,556 |
| Core capital (leverage) ratio | 9.2826% | 4,448 |
| Tier 1 risk-based capital ratio | 13.1907% | 4,969 |
| Total risk-based capital ratio | 14.3813% | 4,962 |
| Memoranda: | ||
| Average total assets | $188,247,400 | 3,196 |
| Average earning assets | $173,408,800 | 3,182 |
| Average equity | $19,913,000 | 3,211 |
| Average total loans | $113,456,400 | 3,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,523 |
| Cost of funding earning assets | 0.3571% | 6,347 |
| Net interest margin | 4.4080% | 1,185 |
| Noninterest income to average assets | 0.5659% | 3,502 |
| Noninterest expense to average assets | 3.6497% | 1,458 |
| Loan and lease loss provision to assets | 0.0036% | 5,758 |
| Net operating income to assets | 0.6919% | 3,950 |
| Return on assets (ROA) | 0.8188% | 3,597 |
| Pretax return on assets | 1.1698% | 3,100 |
| Return on Equity (ROE) | 7.7203% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.6197% | 2,945 |
| Net charge-offs to loans | 0.0192% | 5,402 |
| Credit loss provision to net charge-offs | 31.2500% | 4,782 |
| Earnings coverage of net charge-offs (x) | 86.5738% | 481 |
| Efficiency ratio | 77.2377% | 2,492 |
| Assets per employee ($millions) | 4.3758% | 3,112 |
| Cash dividends to net income (ytd only)* | 27.2094% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,549 |
| Loan loss allowance to noncurrent loans | 142.6157% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,202 |
| Noncurrent loans to loans | 0.9516% | 4,531 |
| Net loans and leases to total assets | 55.4762% | 4,528 |
| Net loans and leases to deposits | 61.6772% | 5,002 |
| Net loans and leases to core deposits | 66.4511% | 4,906 |
| Total domestic deposits to total assets | 89.9460% | 879 |
| Equity capital to assets | 9.8059% | 4,773 |
| Core capital (leverage) ratio | 8.8280% | 5,300 |
| Tier 1 risk-based capital ratio | 13.1452% | 5,134 |
| Total risk-based capital ratio | 14.3280% | 5,142 |
| Memoranda: | ||
| Average total assets | $186,127,250 | 3,257 |
| Average earning assets | $172,105,500 | 3,233 |
| Average equity | $19,739,750 | 3,262 |
| Average total loans | $111,195,000 | 3,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 2,225 |
| Cost of funding earning assets | 0.3721% | 6,408 |
| Net interest margin | 4.4996% | 995 |
| Noninterest income to average assets | 0.5602% | 3,524 |
| Noninterest expense to average assets | 3.8180% | 1,186 |
| Loan and lease loss provision to assets | 0.0045% | 5,591 |
| Net operating income to assets | 0.6308% | 4,223 |
| Return on assets (ROA) | 0.7488% | 3,885 |
| Pretax return on assets | 1.0575% | 3,476 |
| Return on Equity (ROE) | 6.8571% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.6599% | 4,161 |
| Net charge-offs to loans | 0.0110% | 5,299 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 336 |
| Efficiency ratio | 79.6142% | 2,251 |
| Assets per employee ($millions) | 4.1491% | 3,569 |
| Cash dividends to net income (ytd only)* | 46.6267% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 4,301 |
| Loan loss allowance to noncurrent loans | 141.2796% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 5,209 |
| Noncurrent loans to loans | 1.0177% | 4,475 |
| Net loans and leases to total assets | 55.4866% | 4,546 |
| Net loans and leases to deposits | 61.7518% | 5,032 |
| Net loans and leases to core deposits | 66.3309% | 4,960 |
| Total domestic deposits to total assets | 89.8543% | 1,014 |
| Equity capital to assets | 9.9318% | 4,448 |
| Core capital (leverage) ratio | 9.2892% | 4,466 |
| Tier 1 risk-based capital ratio | 13.5549% | 4,778 |
| Total risk-based capital ratio | 14.8054% | 4,746 |
| Memoranda: | ||
| Average total assets | $178,157,670 | 3,383 |
| Average earning assets | $164,458,330 | 3,354 |
| Average equity | $19,454,330 | 3,290 |
| Average total loans | $108,885,670 | 3,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0937% | 1,590 |
| Cost of funding earning assets | 0.3843% | 6,488 |
| Net interest margin | 4.7094% | 671 |
| Noninterest income to average assets | 0.5344% | 3,668 |
| Noninterest expense to average assets | 4.1084% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5562% | 4,559 |
| Return on assets (ROA) | 0.7205% | 3,999 |
| Pretax return on assets | 1.0140% | 3,630 |
| Return on Equity (ROE) | 6.2618% | 4,159 |
| Retained earnings to average equity (ytd only) | -0.1866% | 6,025 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6341% | 1,858 |
| Assets per employee ($millions) | 3.9883% | 4,043 |
| Cash dividends to net income (ytd only)* | 102.9801% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 4,190 |
| Loan loss allowance to noncurrent loans | 139.9827% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 5,243 |
| Noncurrent loans to loans | 1.0666% | 4,570 |
| Net loans and leases to total assets | 55.6245% | 4,452 |
| Net loans and leases to deposits | 62.0514% | 4,913 |
| Net loans and leases to core deposits | 66.9607% | 4,806 |
| Total domestic deposits to total assets | 89.6427% | 1,275 |
| Equity capital to assets | 10.0246% | 4,094 |
| Core capital (leverage) ratio | 10.1603% | 3,162 |
| Tier 1 risk-based capital ratio | 13.5493% | 4,791 |
| Total risk-based capital ratio | 14.7995% | 4,772 |
| Memoranda: | ||
| Average total assets | $167,657,500 | 3,561 |
| Average earning assets | $155,093,000 | 3,528 |
| Average equity | $19,291,500 | 3,311 |
| Average total loans | $107,269,500 | 3,425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 660 |
| Cost of funding earning assets | 0.5175% | 6,461 |
| Net interest margin | 5.2703% | 255 |
| Noninterest income to average assets | 0.6558% | 2,850 |
| Noninterest expense to average assets | 4.0295% | 1,002 |
| Loan and lease loss provision to assets | 0.2241% | 3,962 |
| Net operating income to assets | 0.8551% | 2,793 |
| Return on assets (ROA) | 0.9441% | 2,556 |
| Pretax return on assets | 1.3758% | 1,857 |
| Return on Equity (ROE) | 7.7078% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.7078% | 1,188 |
| Net charge-offs to loans | 0.1782% | 4,724 |
| Credit loss provision to net charge-offs | 174.7191% | 1,508 |
| Earnings coverage of net charge-offs (x) | 11.4663% | 1,722 |
| Efficiency ratio | 71.7767% | 3,619 |
| Assets per employee ($millions) | 3.6891% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,950 |
| Loan loss allowance to noncurrent loans | 130.0564% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 4,732 |
| Noncurrent loans to loans | 1.1659% | 4,421 |
| Net loans and leases to total assets | 72.8572% | 1,483 |
| Net loans and leases to deposits | 84.5396% | 1,854 |
| Net loans and leases to core deposits | 93.9738% | 1,700 |
| Total domestic deposits to total assets | 86.1812% | 3,211 |
| Equity capital to assets | 13.4783% | 1,276 |
| Core capital (leverage) ratio | 12.7958% | 1,224 |
| Tier 1 risk-based capital ratio | 15.2710% | 3,471 |
| Total risk-based capital ratio | 16.5225% | 3,428 |
| Memoranda: | ||
| Average total assets | $138,752,800 | 3,996 |
| Average earning assets | $127,545,200 | 3,983 |
| Average equity | $16,995,800 | 3,578 |
| Average total loans | $99,913,200 | 3,623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 701 |
| Cost of funding earning assets | 0.5404% | 6,545 |
| Net interest margin | 5.2595% | 264 |
| Noninterest income to average assets | 0.6488% | 2,889 |
| Noninterest expense to average assets | 4.0987% | 901 |
| Loan and lease loss provision to assets | 0.2987% | 3,139 |
| Net operating income to assets | 0.7464% | 3,397 |
| Return on assets (ROA) | 0.9029% | 2,869 |
| Pretax return on assets | 1.3113% | 2,250 |
| Return on Equity (ROE) | 7.5704% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.5704% | 1,679 |
| Net charge-offs to loans | 0.2008% | 4,193 |
| Credit loss provision to net charge-offs | 208.1081% | 1,405 |
| Earnings coverage of net charge-offs (x) | 9.6351% | 2,023 |
| Efficiency ratio | 73.2661% | 3,322 |
| Assets per employee ($millions) | 3.6578% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,589 |
| Loan loss allowance to noncurrent loans | 138.9500% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 4,865 |
| Noncurrent loans to loans | 1.1616% | 4,597 |
| Net loans and leases to total assets | 71.9632% | 1,708 |
| Net loans and leases to deposits | 83.7171% | 2,042 |
| Net loans and leases to core deposits | 93.9476% | 1,794 |
| Total domestic deposits to total assets | 85.9600% | 3,231 |
| Equity capital to assets | 13.7198% | 1,276 |
| Core capital (leverage) ratio | 12.6802% | 1,355 |
| Tier 1 risk-based capital ratio | 15.7584% | 3,247 |
| Total risk-based capital ratio | 17.0110% | 3,202 |
| Memoranda: | ||
| Average total assets | $137,472,000 | 4,047 |
| Average earning assets | $126,321,250 | 4,032 |
| Average equity | $16,396,750 | 3,676 |
| Average total loans | $98,282,000 | 3,690 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8183% | 698 |
| Cost of funding earning assets | 0.5593% | 6,629 |
| Net interest margin | 5.2591% | 253 |
| Noninterest income to average assets | 0.6352% | 2,923 |
| Noninterest expense to average assets | 4.0755% | 938 |
| Loan and lease loss provision to assets | 0.3446% | 2,716 |
| Net operating income to assets | 0.7406% | 3,334 |
| Return on assets (ROA) | 0.7768% | 3,300 |
| Pretax return on assets | 1.0996% | 2,853 |
| Return on Equity (ROE) | 6.8620% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.8620% | 1,942 |
| Net charge-offs to loans | 0.3129% | 3,309 |
| Credit loss provision to net charge-offs | 155.2632% | 1,963 |
| Earnings coverage of net charge-offs (x) | 6.2763% | 2,429 |
| Efficiency ratio | 73.0307% | 3,539 |
| Assets per employee ($millions) | 3.5487% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,658 |
| Loan loss allowance to noncurrent loans | 131.0720% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 4,805 |
| Noncurrent loans to loans | 1.2279% | 4,610 |
| Net loans and leases to total assets | 69.1267% | 2,391 |
| Net loans and leases to deposits | 79.0540% | 2,958 |
| Net loans and leases to core deposits | 87.7483% | 2,673 |
| Total domestic deposits to total assets | 87.4423% | 2,495 |
| Equity capital to assets | 12.2998% | 1,905 |
| Core capital (leverage) ratio | 11.2289% | 2,092 |
| Tier 1 risk-based capital ratio | 14.1474% | 4,064 |
| Total risk-based capital ratio | 15.3999% | 4,032 |
| Memoranda: | ||
| Average total assets | $136,964,000 | 4,086 |
| Average earning assets | $125,878,000 | 4,074 |
| Average equity | $15,505,670 | 3,820 |
| Average total loans | $97,153,670 | 3,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 830 |
| Cost of funding earning assets | 0.5751% | 6,711 |
| Net interest margin | 5.1568% | 275 |
| Noninterest income to average assets | 0.6547% | 2,812 |
| Noninterest expense to average assets | 3.9429% | 1,115 |
| Loan and lease loss provision to assets | 0.3523% | 2,441 |
| Net operating income to assets | 0.8076% | 2,991 |
| Return on assets (ROA) | 0.6723% | 3,719 |
| Pretax return on assets | 0.9365% | 3,378 |
| Return on Equity (ROE) | 6.2114% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.2114% | 2,518 |
| Net charge-offs to loans | 0.3295% | 2,738 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 6.2875% | 2,124 |
| Efficiency ratio | 71.2351% | 4,004 |
| Assets per employee ($millions) | 3.6411% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,746 |
| Loan loss allowance to noncurrent loans | 102.9790% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 3,843 |
| Noncurrent loans to loans | 1.5496% | 4,141 |
| Net loans and leases to total assets | 67.7886% | 2,596 |
| Net loans and leases to deposits | 76.1054% | 3,400 |
| Net loans and leases to core deposits | 84.5355% | 3,097 |
| Total domestic deposits to total assets | 89.0721% | 1,729 |
| Equity capital to assets | 10.7183% | 2,967 |
| Core capital (leverage) ratio | 9.7429% | 3,462 |
| Tier 1 risk-based capital ratio | 11.9791% | 5,708 |
| Total risk-based capital ratio | 13.2394% | 5,688 |
| Memoranda: | ||
| Average total assets | $136,245,500 | 4,132 |
| Average earning assets | $125,891,000 | 4,109 |
| Average equity | $14,747,000 | 3,952 |
| Average total loans | $97,112,000 | 3,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1184% | 678 |
| Cost of funding earning assets | 0.9677% | 5,856 |
| Net interest margin | 5.1507% | 321 |
| Noninterest income to average assets | 0.7517% | 2,534 |
| Noninterest expense to average assets | 3.9674% | 1,211 |
| Loan and lease loss provision to assets | 0.7586% | 2,161 |
| Net operating income to assets | 0.6589% | 3,395 |
| Return on assets (ROA) | 0.4033% | 4,662 |
| Pretax return on assets | 0.4856% | 4,672 |
| Return on Equity (ROE) | 3.6686% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.6686% | 3,291 |
| Net charge-offs to loans | 0.9191% | 2,343 |
| Credit loss provision to net charge-offs | 113.5845% | 3,831 |
| Earnings coverage of net charge-offs (x) | 2.3242% | 3,983 |
| Efficiency ratio | 70.3177% | 4,112 |
| Assets per employee ($millions) | 3.5297% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 4,031 |
| Loan loss allowance to noncurrent loans | 112.5380% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 4,052 |
| Noncurrent loans to loans | 1.3305% | 4,495 |
| Net loans and leases to total assets | 72.6377% | 1,960 |
| Net loans and leases to deposits | 81.9020% | 2,827 |
| Net loans and leases to core deposits | 95.2748% | 2,089 |
| Total domestic deposits to total assets | 88.6886% | 1,831 |
| Equity capital to assets | 10.9327% | 2,745 |
| Core capital (leverage) ratio | 9.7227% | 3,407 |
| Tier 1 risk-based capital ratio | 11.5823% | 5,841 |
| Total risk-based capital ratio | 12.8319% | 5,850 |
| Memoranda: | ||
| Average total assets | $131,169,600 | 4,234 |
| Average earning assets | $121,420,000 | 4,199 |
| Average equity | $14,419,800 | 4,041 |
| Average total loans | $95,313,200 | 3,913 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 685 |
| Cost of funding earning assets | 1.0462% | 5,715 |
| Net interest margin | 5.1018% | 356 |
| Noninterest income to average assets | 0.7605% | 2,452 |
| Noninterest expense to average assets | 3.9479% | 1,121 |
| Loan and lease loss provision to assets | 0.5091% | 2,911 |
| Net operating income to assets | 0.7674% | 3,149 |
| Return on assets (ROA) | 0.4937% | 4,540 |
| Pretax return on assets | 0.6542% | 4,412 |
| Return on Equity (ROE) | 4.4849% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,358 |
| Net charge-offs to loans | 0.8699% | 2,272 |
| Credit loss provision to net charge-offs | 80.8442% | 5,104 |
| Earnings coverage of net charge-offs (x) | 2.4270% | 3,961 |
| Efficiency ratio | 70.5059% | 3,970 |
| Assets per employee ($millions) | 3.4319% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 5,027 |
| Loan loss allowance to noncurrent loans | 447.4820% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 5,395 |
| Noncurrent loans to loans | 0.2881% | 6,613 |
| Net loans and leases to total assets | 73.0345% | 2,012 |
| Net loans and leases to deposits | 82.8679% | 2,941 |
| Net loans and leases to core deposits | 96.9721% | 2,149 |
| Total domestic deposits to total assets | 88.1337% | 1,878 |
| Equity capital to assets | 11.4147% | 2,595 |
| Core capital (leverage) ratio | 9.4866% | 3,927 |
| Tier 1 risk-based capital ratio | 11.7168% | 5,715 |
| Total risk-based capital ratio | 12.8945% | 5,771 |
| Memoranda: | ||
| Average total assets | $130,429,500 | 4,321 |
| Average earning assets | $120,555,500 | 4,273 |
| Average equity | $14,358,750 | 4,123 |
| Average total loans | $94,414,000 | 4,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0544% | 838 |
| Cost of funding earning assets | 1.1058% | 5,639 |
| Net interest margin | 4.9486% | 473 |
| Noninterest income to average assets | 0.7483% | 2,405 |
| Noninterest expense to average assets | 4.0296% | 1,007 |
| Loan and lease loss provision to assets | 0.4278% | 3,187 |
| Net operating income to assets | 0.7422% | 3,227 |
| Return on assets (ROA) | 0.3220% | 5,266 |
| Pretax return on assets | 0.3711% | 5,304 |
| Return on Equity (ROE) | 2.9613% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.9613% | 4,240 |
| Net charge-offs to loans | 0.9539% | 1,932 |
| Credit loss provision to net charge-offs | 62.4161% | 5,157 |
| Earnings coverage of net charge-offs (x) | 1.8702% | 4,118 |
| Efficiency ratio | 74.2494% | 3,420 |
| Assets per employee ($millions) | 3.4139% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,262 |
| Loan loss allowance to noncurrent loans | 185.1163% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,919 |
| Noncurrent loans to loans | 0.6674% | 5,917 |
| Net loans and leases to total assets | 71.6947% | 2,487 |
| Net loans and leases to deposits | 82.1472% | 3,248 |
| Net loans and leases to core deposits | 96.2927% | 2,411 |
| Total domestic deposits to total assets | 87.2759% | 2,393 |
| Equity capital to assets | 10.8509% | 3,024 |
| Core capital (leverage) ratio | 9.2315% | 4,248 |
| Tier 1 risk-based capital ratio | 11.1446% | 6,100 |
| Total risk-based capital ratio | 12.2481% | 6,223 |
| Memoranda: | ||
| Average total assets | $130,435,670 | 4,342 |
| Average earning assets | $120,277,000 | 4,306 |
| Average equity | $14,183,000 | 4,156 |
| Average total loans | $93,722,330 | 4,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1188% | 752 |
| Cost of funding earning assets | 1.1590% | 5,613 |
| Net interest margin | 4.9599% | 453 |
| Noninterest income to average assets | 0.7282% | 2,412 |
| Noninterest expense to average assets | 4.2422% | 773 |
| Loan and lease loss provision to assets | 0.1859% | 4,649 |
| Net operating income to assets | 0.9823% | 2,249 |
| Return on assets (ROA) | 0.1394% | 6,018 |
| Pretax return on assets | 0.0589% | 6,233 |
| Return on Equity (ROE) | 1.2810% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.2810% | 5,301 |
| Net charge-offs to loans | 0.9235% | 1,740 |
| Credit loss provision to net charge-offs | 28.1690% | 4,844 |
| Earnings coverage of net charge-offs (x) | 1.6479% | 3,745 |
| Efficiency ratio | 77.9651% | 2,905 |
| Assets per employee ($millions) | 3.4358% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 4,876 |
| Loan loss allowance to noncurrent loans | 97.1084% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 5,289 |
| Noncurrent loans to loans | 1.3491% | 4,724 |
| Net loans and leases to total assets | 67.9694% | 3,395 |
| Net loans and leases to deposits | 77.4952% | 4,134 |
| Net loans and leases to core deposits | 91.9533% | 3,111 |
| Total domestic deposits to total assets | 87.7079% | 2,233 |
| Equity capital to assets | 10.5249% | 3,224 |
| Core capital (leverage) ratio | 9.3097% | 4,037 |
| Tier 1 risk-based capital ratio | 11.1407% | 6,012 |
| Total risk-based capital ratio | 12.2752% | 6,102 |
| Memoranda: | ||
| Average total assets | $129,083,000 | 4,434 |
| Average earning assets | $119,761,500 | 4,382 |
| Average equity | $14,051,000 | 4,233 |
| Average total loans | $92,259,000 | 4,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7134% | 450 |
| Cost of funding earning assets | 1.6199% | 4,937 |
| Net interest margin | 5.0935% | 367 |
| Noninterest income to average assets | 0.7740% | 2,544 |
| Noninterest expense to average assets | 4.3701% | 909 |
| Loan and lease loss provision to assets | 0.3403% | 4,760 |
| Net operating income to assets | 0.6103% | 3,291 |
| Return on assets (ROA) | -0.3132% | 5,984 |
| Pretax return on assets | -0.6641% | 6,153 |
| Return on Equity (ROE) | -2.9934% | 5,985 |
| Retained earnings to average equity (ytd only) | -2.9934% | 5,699 |
| Net charge-offs to loans | 0.1483% | 5,759 |
| Credit loss provision to net charge-offs | 307.4074% | 1,074 |
| Earnings coverage of net charge-offs (x) | 10.1111% | 1,723 |
| Efficiency ratio | 77.9238% | 3,207 |
| Assets per employee ($millions) | 3.0285% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,851 |
| Loan loss allowance to noncurrent loans | 130.2103% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 5,254 |
| Noncurrent loans to loans | 1.1341% | 5,065 |
| Net loans and leases to total assets | 73.1825% | 2,457 |
| Net loans and leases to deposits | 84.2700% | 3,207 |
| Net loans and leases to core deposits | 122.4647% | 1,747 |
| Total domestic deposits to total assets | 86.8429% | 2,587 |
| Equity capital to assets | 11.2742% | 2,481 |
| Core capital (leverage) ratio | 9.8719% | 3,239 |
| Tier 1 risk-based capital ratio | 10.6558% | 6,246 |
| Total risk-based capital ratio | 11.8851% | 6,235 |
| Memoranda: | ||
| Average total assets | $121,965,200 | 4,514 |
| Average earning assets | $112,909,200 | 4,483 |
| Average equity | $12,761,200 | 4,571 |
| Average total loans | $91,057,600 | 4,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7665% | 451 |
| Cost of funding earning assets | 1.7121% | 4,836 |
| Net interest margin | 5.0544% | 404 |
| Noninterest income to average assets | 0.7687% | 2,600 |
| Noninterest expense to average assets | 4.4585% | 776 |
| Loan and lease loss provision to assets | 0.2910% | 4,647 |
| Net operating income to assets | 0.7314% | 3,090 |
| Return on assets (ROA) | 0.2010% | 5,241 |
| Pretax return on assets | 0.1735% | 5,355 |
| Return on Equity (ROE) | 1.9595% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.9595% | 4,231 |
| Net charge-offs to loans | 0.1895% | 4,880 |
| Credit loss provision to net charge-offs | 205.4264% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.0231% | 2,490 |
| Efficiency ratio | 80.0443% | 2,833 |
| Assets per employee ($millions) | 2.9260% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,321 |
| Loan loss allowance to noncurrent loans | 227.4254% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 6,344 |
| Noncurrent loans to loans | 0.5846% | 6,142 |
| Net loans and leases to total assets | 75.4128% | 2,123 |
| Net loans and leases to deposits | 88.4238% | 2,883 |
| Net loans and leases to core deposits | 130.5620% | 1,403 |
| Total domestic deposits to total assets | 85.2857% | 3,081 |
| Equity capital to assets | 11.2474% | 2,795 |
| Core capital (leverage) ratio | 11.0661% | 2,360 |
| Tier 1 risk-based capital ratio | 11.0542% | 5,894 |
| Total risk-based capital ratio | 12.0851% | 6,082 |
| Memoranda: | ||
| Average total assets | $121,414,250 | 4,560 |
| Average earning assets | $112,532,250 | 4,530 |
| Average equity | $12,451,750 | 4,669 |
| Average total loans | $90,764,000 | 4,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6901% | 551 |
| Cost of funding earning assets | 1.7461% | 5,036 |
| Net interest margin | 4.9440% | 492 |
| Noninterest income to average assets | 0.7761% | 2,545 |
| Noninterest expense to average assets | 4.4972% | 781 |
| Loan and lease loss provision to assets | 0.2691% | 4,431 |
| Net operating income to assets | 0.4772% | 4,185 |
| Return on assets (ROA) | -0.0016% | 5,925 |
| Pretax return on assets | -0.1624% | 6,074 |
| Return on Equity (ROE) | -0.0165% | 5,930 |
| Retained earnings to average equity (ytd only) | -0.0165% | 5,216 |
| Net charge-offs to loans | 0.1128% | 5,034 |
| Credit loss provision to net charge-offs | 321.5686% | 1,451 |
| Earnings coverage of net charge-offs (x) | 10.2157% | 2,019 |
| Efficiency ratio | 82.3115% | 2,684 |
| Assets per employee ($millions) | 2.9905% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,346 |
| Loan loss allowance to noncurrent loans | 264.6018% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 6,536 |
| Noncurrent loans to loans | 0.4864% | 6,310 |
| Net loans and leases to total assets | 74.8198% | 2,491 |
| Net loans and leases to deposits | 90.3564% | 2,778 |
| Net loans and leases to core deposits | 132.6595% | 1,391 |
| Total domestic deposits to total assets | 82.8051% | 4,330 |
| Equity capital to assets | 10.3024% | 3,617 |
| Core capital (leverage) ratio | 10.6368% | 2,710 |
| Tier 1 risk-based capital ratio | 11.6360% | 5,255 |
| Total risk-based capital ratio | 12.7187% | 5,339 |
| Memoranda: | ||
| Average total assets | $121,897,330 | 4,584 |
| Average earning assets | $112,823,000 | 4,545 |
| Average equity | $12,104,670 | 4,783 |
| Average total loans | $90,456,000 | 4,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6267% | 671 |
| Cost of funding earning assets | 1.7721% | 5,252 |
| Net interest margin | 4.8546% | 547 |
| Noninterest income to average assets | 0.7405% | 2,651 |
| Noninterest expense to average assets | 4.5088% | 701 |
| Loan and lease loss provision to assets | 0.1580% | 4,907 |
| Net operating income to assets | 0.4377% | 4,710 |
| Return on assets (ROA) | 0.4377% | 4,885 |
| Pretax return on assets | 0.5727% | 4,837 |
| Return on Equity (ROE) | 4.4929% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.4929% | 3,431 |
| Net charge-offs to loans | 0.1569% | 3,709 |
| Credit loss provision to net charge-offs | 137.1429% | 2,958 |
| Earnings coverage of net charge-offs (x) | 6.3429% | 2,509 |
| Efficiency ratio | 84.2965% | 2,271 |
| Assets per employee ($millions) | 2.8631% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,563 |
| Loan loss allowance to noncurrent loans | 232.6964% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 6,358 |
| Noncurrent loans to loans | 0.5303% | 6,096 |
| Net loans and leases to total assets | 71.2529% | 3,415 |
| Net loans and leases to deposits | 83.3053% | 4,090 |
| Net loans and leases to core deposits | 118.3495% | 2,564 |
| Total domestic deposits to total assets | 85.5322% | 2,950 |
| Equity capital to assets | 9.9241% | 4,079 |
| Core capital (leverage) ratio | 10.5508% | 2,871 |
| Tier 1 risk-based capital ratio | 12.5975% | 4,474 |
| Total risk-based capital ratio | 13.6986% | 4,500 |
| Memoranda: | ||
| Average total assets | $121,540,000 | 4,604 |
| Average earning assets | $112,636,000 | 4,568 |
| Average equity | $11,841,000 | 4,888 |
| Average total loans | $89,217,000 | 4,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1605% | 803 |
| Cost of funding earning assets | 2.0232% | 6,335 |
| Net interest margin | 5.1373% | 376 |
| Noninterest income to average assets | 0.7300% | 2,906 |
| Noninterest expense to average assets | 4.1146% | 1,252 |
| Loan and lease loss provision to assets | 0.2012% | 4,880 |
| Net operating income to assets | 0.8139% | 3,372 |
| Return on assets (ROA) | 0.8214% | 3,183 |
| Pretax return on assets | 1.1969% | 2,652 |
| Return on Equity (ROE) | 8.2353% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.2353% | 771 |
| Net charge-offs to loans | 0.0708% | 5,759 |
| Credit loss provision to net charge-offs | 393.4426% | 1,122 |
| Earnings coverage of net charge-offs (x) | 27.1311% | 1,255 |
| Efficiency ratio | 73.0652% | 3,735 |
| Assets per employee ($millions) | 2.8563% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 4,475 |
| Loan loss allowance to noncurrent loans | 155.9078% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 5,447 |
| Noncurrent loans to loans | 0.7744% | 5,090 |
| Net loans and leases to total assets | 73.7990% | 3,154 |
| Net loans and leases to deposits | 90.3730% | 3,389 |
| Net loans and leases to core deposits | 132.6516% | 1,677 |
| Total domestic deposits to total assets | 81.6605% | 4,334 |
| Equity capital to assets | 9.5561% | 4,603 |
| Core capital (leverage) ratio | 9.8695% | 3,577 |
| Tier 1 risk-based capital ratio | 11.6919% | 5,062 |
| Total risk-based capital ratio | 12.7841% | 5,103 |
| Memoranda: | ||
| Average total assets | $119,307,200 | 4,542 |
| Average earning assets | $110,816,400 | 4,495 |
| Average equity | $11,900,000 | 4,855 |
| Average total loans | $86,181,000 | 4,328 |