Home > American Continental Bank > Performance and Condition Ratios
American Continental Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9542% | 236 |
| Cost of funding earning assets | 2.8245% | 198 |
| Net interest margin | 4.1296% | 1,033 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.4676% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4245% | 1,169 |
| Return on assets (ROA) | 1.4245% | 1,141 |
| Pretax return on assets | 1.9851% | 692 |
| Return on Equity (ROE) | 9.9600% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.6622% | 1,345 |
| Net charge-offs to loans | 0.0148% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 176.4872% | 635 |
| Efficiency ratio | 55.4181% | 3,557 |
| Assets per employee ($millions) | 7.7917% | 1,542 |
| Cash dividends to net income (ytd only)* | 12.9986% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 677 |
| Loan loss allowance to noncurrent loans | 22,636.8421% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,769 |
| Noncurrent loans to loans | 0.0075% | 3,722 |
| Net loans and leases to total assets | 71.3800% | 1,652 |
| Net loans and leases to deposits | 87.5551% | 1,479 |
| Net loans and leases to core deposits | 135.5888% | 326 |
| Total domestic deposits to total assets | 81.5300% | 3,218 |
| Equity capital to assets | 14.6903% | 581 |
| Core capital (leverage) ratio | 14.6463% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $346,729,400 | 2,205 |
| Average earning assets | $330,707,600 | 2,173 |
| Average equity | $49,606,600 | 1,620 |
| Average total loans | $264,227,600 | 1,940 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8639% | 219 |
| Cost of funding earning assets | 2.6799% | 200 |
| Net interest margin | 4.1840% | 944 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.4753% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5078% | 1,105 |
| Return on assets (ROA) | 1.5078% | 1,097 |
| Pretax return on assets | 2.1001% | 655 |
| Return on Equity (ROE) | 10.6100% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.6108% | 1,242 |
| Net charge-offs to loans | 0.0060% | 2,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 453.8333% | 330 |
| Efficiency ratio | 54.1003% | 3,579 |
| Assets per employee ($millions) | 7.8501% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 735 |
| Loan loss allowance to noncurrent loans | 9,208.5106% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,704 |
| Noncurrent loans to loans | 0.0182% | 3,643 |
| Net loans and leases to total assets | 73.3800% | 1,422 |
| Net loans and leases to deposits | 90.5618% | 1,192 |
| Net loans and leases to core deposits | 140.0833% | 220 |
| Total domestic deposits to total assets | 81.0300% | 3,382 |
| Equity capital to assets | 14.7887% | 556 |
| Core capital (leverage) ratio | 14.1928% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $345,755,250 | 2,217 |
| Average earning assets | $329,853,500 | 2,183 |
| Average equity | $49,131,250 | 1,619 |
| Average total loans | $266,637,750 | 1,927 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7045% | 214 |
| Cost of funding earning assets | 2.4967% | 196 |
| Net interest margin | 4.2078% | 920 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4882% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4925% | 1,114 |
| Return on assets (ROA) | 1.4925% | 1,111 |
| Pretax return on assets | 2.0788% | 649 |
| Return on Equity (ROE) | 10.6500% | 2,518 |
| Retained earnings to average equity (ytd only) | 10.6474% | 1,258 |
| Net charge-offs to loans | 0.0096% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 276.5385% | 483 |
| Efficiency ratio | 54.4821% | 3,571 |
| Assets per employee ($millions) | 8.3119% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 903 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.6400% | 1,336 |
| Net loans and leases to deposits | 89.7461% | 1,206 |
| Net loans and leases to core deposits | 132.6277% | 290 |
| Total domestic deposits to total assets | 82.0500% | 3,220 |
| Equity capital to assets | 13.9170% | 661 |
| Core capital (leverage) ratio | 14.0758% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $345,871,667 | 2,219 |
| Average earning assets | $329,959,667 | 2,188 |
| Average equity | $48,481,333 | 1,636 |
| Average total loans | $269,588,667 | 1,911 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5664% | 167 |
| Cost of funding earning assets | 2.3294% | 139 |
| Net interest margin | 4.2370% | 893 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.4546% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5995% | 980 |
| Return on assets (ROA) | 1.5995% | 976 |
| Pretax return on assets | 2.2287% | 546 |
| Return on Equity (ROE) | 11.3700% | 2,382 |
| Retained earnings to average equity (ytd only) | 11.3685% | 1,383 |
| Net charge-offs to loans | -0.0015% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.4108% | 3,745 |
| Assets per employee ($millions) | 7.9329% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,040 |
| Loan loss allowance to noncurrent loans | 28,940.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,862 |
| Noncurrent loans to loans | 0.0055% | 3,802 |
| Net loans and leases to total assets | 79.0400% | 636 |
| Net loans and leases to deposits | 96.4812% | 624 |
| Net loans and leases to core deposits | 141.6362% | 174 |
| Total domestic deposits to total assets | 81.9200% | 3,495 |
| Equity capital to assets | 14.2315% | 565 |
| Core capital (leverage) ratio | 13.9568% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $340,101,500 | 2,273 |
| Average earning assets | $324,380,500 | 2,239 |
| Average equity | $47,851,500 | 1,665 |
| Average total loans | $270,623,000 | 1,922 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 505 |
| Cost of funding earning assets | 0.8361% | 345 |
| Net interest margin | 3.8720% | 1,022 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.2526% | 2,885 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6425% | 617 |
| Return on assets (ROA) | 1.6425% | 585 |
| Pretax return on assets | 2.2841% | 271 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 12.2903% | 618 |
| Net charge-offs to loans | -0.0175% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9321% | 4,189 |
| Assets per employee ($millions) | 7.7065% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.5500% | 843 |
| Net loans and leases to deposits | 93.9331% | 790 |
| Net loans and leases to core deposits | 122.6173% | 327 |
| Total domestic deposits to total assets | 82.5600% | 3,525 |
| Equity capital to assets | 13.9071% | 586 |
| Core capital (leverage) ratio | 13.5314% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $332,598,200 | 2,289 |
| Average earning assets | $320,533,400 | 2,234 |
| Average equity | $44,449,600 | 1,773 |
| Average total loans | $245,157,000 | 1,972 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 755 |
| Cost of funding earning assets | 0.5154% | 699 |
| Net interest margin | 3.7736% | 988 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.2825% | 2,681 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6770% | 562 |
| Return on assets (ROA) | 1.6770% | 548 |
| Pretax return on assets | 2.3320% | 261 |
| Return on Equity (ROE) | 12.6800% | 1,812 |
| Retained earnings to average equity (ytd only) | 12.6803% | 668 |
| Net charge-offs to loans | -0.0234% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.0775% | 4,215 |
| Assets per employee ($millions) | 7.4058% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 830 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 73.3600% | 1,148 |
| Net loans and leases to deposits | 88.1537% | 1,025 |
| Net loans and leases to core deposits | 107.5525% | 545 |
| Total domestic deposits to total assets | 83.2200% | 3,654 |
| Equity capital to assets | 14.0722% | 561 |
| Core capital (leverage) ratio | 13.8687% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $330,976,000 | 2,313 |
| Average earning assets | $319,723,250 | 2,255 |
| Average equity | $43,772,750 | 1,823 |
| Average total loans | $239,621,500 | 1,997 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 1,030 |
| Cost of funding earning assets | 0.3720% | 1,103 |
| Net interest margin | 3.5762% | 1,113 |
| Noninterest income to average assets | 1.1128% | 544 |
| Noninterest expense to average assets | 2.2075% | 2,827 |
| Loan and lease loss provision to assets | 0.0541% | 1,610 |
| Net operating income to assets | 1.6598% | 477 |
| Return on assets (ROA) | 1.6598% | 471 |
| Pretax return on assets | 2.3073% | 217 |
| Return on Equity (ROE) | 12.8184% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.8184% | 488 |
| Net charge-offs to loans | -0.0344% | 4,099 |
| Credit loss provision to net charge-offs | -219.5122% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3158% | 4,333 |
| Assets per employee ($millions) | 7.7250% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.4212% | 872 |
| Net loans and leases to deposits | 89.0057% | 772 |
| Net loans and leases to core deposits | 103.7779% | 522 |
| Total domestic deposits to total assets | 83.6141% | 3,771 |
| Equity capital to assets | 13.7094% | 559 |
| Core capital (leverage) ratio | 13.1438% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,682,667 | 2,313 |
| Average earning assets | $321,513,667 | 2,267 |
| Average equity | $43,078,667 | 1,891 |
| Average total loans | $238,407,333 | 2,008 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 1,292 |
| Cost of funding earning assets | 0.3953% | 896 |
| Net interest margin | 3.2939% | 1,577 |
| Noninterest income to average assets | 1.1591% | 511 |
| Noninterest expense to average assets | 2.2779% | 2,583 |
| Loan and lease loss provision to assets | 0.0475% | 1,520 |
| Net operating income to assets | 1.4537% | 706 |
| Return on assets (ROA) | 1.4537% | 702 |
| Pretax return on assets | 2.0202% | 334 |
| Return on Equity (ROE) | 11.5532% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.5532% | 664 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4187% | 4,171 |
| Assets per employee ($millions) | 8.2320% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.1689% | 1,195 |
| Net loans and leases to deposits | 81.4638% | 1,046 |
| Net loans and leases to core deposits | 98.8482% | 546 |
| Total domestic deposits to total assets | 83.6800% | 3,829 |
| Equity capital to assets | 12.7343% | 751 |
| Core capital (leverage) ratio | 12.2194% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,799,500 | 2,316 |
| Average earning assets | $325,811,000 | 2,259 |
| Average equity | $42,378,000 | 1,967 |
| Average total loans | $234,778,000 | 2,019 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 2,155 |
| Cost of funding earning assets | 0.5316% | 784 |
| Net interest margin | 3.1539% | 2,727 |
| Noninterest income to average assets | 1.5519% | 467 |
| Noninterest expense to average assets | 2.2012% | 3,084 |
| Loan and lease loss provision to assets | 0.1318% | 926 |
| Net operating income to assets | 1.6266% | 746 |
| Return on assets (ROA) | 1.6266% | 786 |
| Pretax return on assets | 2.2732% | 356 |
| Return on Equity (ROE) | 13.4676% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.3081% | 500 |
| Net charge-offs to loans | 0.0044% | 2,441 |
| Credit loss provision to net charge-offs | 4,300.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 784.8000% | 192 |
| Efficiency ratio | 47.7879% | 4,420 |
| Assets per employee ($millions) | 7.4686% | 1,639 |
| Cash dividends to net income (ytd only)* | 8.6096% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.8178% | 1,172 |
| Net loans and leases to deposits | 81.8727% | 1,077 |
| Net loans and leases to core deposits | 101.7841% | 460 |
| Total domestic deposits to total assets | 84.0547% | 3,546 |
| Equity capital to assets | 12.4302% | 1,083 |
| Core capital (leverage) ratio | 12.1283% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,317,800 | 2,311 |
| Average earning assets | $316,020,800 | 2,250 |
| Average equity | $39,413,000 | 2,100 |
| Average total loans | $226,893,400 | 2,067 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 2,304 |
| Cost of funding earning assets | 0.5631% | 775 |
| Net interest margin | 3.1252% | 2,984 |
| Noninterest income to average assets | 1.3791% | 624 |
| Noninterest expense to average assets | 2.2045% | 3,055 |
| Loan and lease loss provision to assets | 0.1606% | 688 |
| Net operating income to assets | 1.4610% | 1,357 |
| Return on assets (ROA) | 1.4610% | 1,416 |
| Pretax return on assets | 2.0415% | 745 |
| Return on Equity (ROE) | 12.1886% | 1,985 |
| Retained earnings to average equity (ytd only) | 12.1886% | 799 |
| Net charge-offs to loans | 0.0059% | 2,105 |
| Credit loss provision to net charge-offs | 3,900.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 534.9000% | 279 |
| Efficiency ratio | 50.0280% | 4,220 |
| Assets per employee ($millions) | 7.8450% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 864 |
| 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 | 65.4273% | 1,607 |
| Net loans and leases to deposits | 77.8553% | 1,496 |
| Net loans and leases to core deposits | 96.5981% | 720 |
| Total domestic deposits to total assets | 84.0371% | 3,448 |
| Equity capital to assets | 12.2863% | 1,267 |
| Core capital (leverage) ratio | 11.8458% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,875,750 | 2,350 |
| Average earning assets | $313,739,250 | 2,281 |
| Average equity | $38,822,250 | 2,146 |
| Average total loans | $224,776,250 | 2,111 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 2,228 |
| Cost of funding earning assets | 0.5956% | 764 |
| Net interest margin | 3.1453% | 2,905 |
| Noninterest income to average assets | 1.7074% | 429 |
| Noninterest expense to average assets | 2.2422% | 2,948 |
| Loan and lease loss provision to assets | 0.2298% | 457 |
| Net operating income to assets | 1.6323% | 980 |
| Return on assets (ROA) | 1.6323% | 1,033 |
| Pretax return on assets | 2.2826% | 497 |
| Return on Equity (ROE) | 13.7344% | 1,498 |
| Retained earnings to average equity (ytd only) | 13.7344% | 591 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1587% | 4,450 |
| Assets per employee ($millions) | 8.0812% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 939 |
| 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 | 67.5087% | 1,514 |
| Net loans and leases to deposits | 79.8578% | 1,436 |
| Net loans and leases to core deposits | 100.0890% | 656 |
| Total domestic deposits to total assets | 84.5362% | 3,272 |
| Equity capital to assets | 11.9422% | 1,392 |
| Core capital (leverage) ratio | 11.7147% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,005,000 | 2,352 |
| Average earning assets | $311,956,000 | 2,276 |
| Average equity | $38,269,000 | 2,161 |
| Average total loans | $226,498,333 | 2,115 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 1,977 |
| Cost of funding earning assets | 0.6454% | 716 |
| Net interest margin | 3.1955% | 2,713 |
| Noninterest income to average assets | 1.9764% | 385 |
| Noninterest expense to average assets | 2.4050% | 2,476 |
| Loan and lease loss provision to assets | 0.3025% | 307 |
| Net operating income to assets | 1.6903% | 959 |
| Return on assets (ROA) | 1.6903% | 1,010 |
| Pretax return on assets | 2.3646% | 546 |
| Return on Equity (ROE) | 14.2586% | 1,383 |
| Retained earnings to average equity (ytd only) | 14.2586% | 732 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4155% | 4,376 |
| Assets per employee ($millions) | 7.4677% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,028 |
| 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 | 68.1873% | 1,506 |
| Net loans and leases to deposits | 81.9947% | 1,337 |
| Net loans and leases to core deposits | 105.0896% | 540 |
| Total domestic deposits to total assets | 83.1605% | 3,652 |
| Equity capital to assets | 11.6535% | 1,466 |
| Core capital (leverage) ratio | 11.7677% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,343,000 | 2,357 |
| Average earning assets | $307,429,500 | 2,289 |
| Average equity | $37,619,500 | 2,176 |
| Average total loans | $225,897,000 | 2,118 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,452 |
| Cost of funding earning assets | 1.1954% | 283 |
| Net interest margin | 2.8940% | 4,116 |
| Noninterest income to average assets | 0.4298% | 2,961 |
| Noninterest expense to average assets | 2.0354% | 4,073 |
| Loan and lease loss provision to assets | 0.1723% | 2,237 |
| Net operating income to assets | 0.7310% | 3,331 |
| Return on assets (ROA) | 0.7310% | 3,454 |
| Pretax return on assets | 1.0213% | 2,972 |
| Return on Equity (ROE) | 5.7952% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.8340% | 2,355 |
| Net charge-offs to loans | 0.0091% | 3,004 |
| Credit loss provision to net charge-offs | 2,578.9474% | 367 |
| Earnings coverage of net charge-offs (x) | 179.7895% | 505 |
| Efficiency ratio | 63.0343% | 2,970 |
| Assets per employee ($millions) | 7.2883% | 1,405 |
| Cash dividends to net income (ytd only)* | 16.5870% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 1,210 |
| 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 | 71.9340% | 1,292 |
| Net loans and leases to deposits | 87.1080% | 1,167 |
| Net loans and leases to core deposits | 112.7165% | 436 |
| Total domestic deposits to total assets | 82.5803% | 3,520 |
| Equity capital to assets | 12.0703% | 1,529 |
| Core capital (leverage) ratio | 11.9544% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0274% | 1,254 |
| Memoranda: | ||
| Average total assets | $286,190,200 | 2,363 |
| Average earning assets | $276,810,800 | 2,308 |
| Average equity | $36,098,600 | 2,169 |
| Average total loans | $209,923,200 | 2,164 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 2,609 |
| Cost of funding earning assets | 1.3216% | 222 |
| Net interest margin | 2.8017% | 4,338 |
| Noninterest income to average assets | 0.3893% | 3,136 |
| Noninterest expense to average assets | 1.9989% | 4,142 |
| Loan and lease loss provision to assets | 0.1376% | 2,636 |
| Net operating income to assets | 0.6894% | 3,492 |
| Return on assets (ROA) | 0.6894% | 3,594 |
| Pretax return on assets | 0.9615% | 3,194 |
| Return on Equity (ROE) | 5.4021% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,378 |
| Net charge-offs to loans | 0.0207% | 2,443 |
| Credit loss provision to net charge-offs | 906.2500% | 894 |
| Earnings coverage of net charge-offs (x) | 72.4375% | 971 |
| Efficiency ratio | 64.5240% | 2,655 |
| Assets per employee ($millions) | 7.4808% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.0158% | 1,499 |
| Net loans and leases to deposits | 90.5101% | 1,223 |
| Net loans and leases to core deposits | 118.6598% | 444 |
| Total domestic deposits to total assets | 80.6715% | 3,735 |
| Equity capital to assets | 12.2547% | 1,546 |
| Core capital (leverage) ratio | 12.1326% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3195% | 1,183 |
| Memoranda: | ||
| Average total assets | $281,211,000 | 2,371 |
| Average earning assets | $271,878,500 | 2,315 |
| Average equity | $35,886,250 | 2,167 |
| Average total loans | $206,441,500 | 2,186 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,636 |
| Cost of funding earning assets | 1.4419% | 196 |
| Net interest margin | 2.7980% | 4,452 |
| Noninterest income to average assets | 0.2078% | 4,241 |
| Noninterest expense to average assets | 2.0472% | 4,136 |
| Loan and lease loss provision to assets | 0.0363% | 3,817 |
| Net operating income to assets | 0.5945% | 3,760 |
| Return on assets (ROA) | 0.5945% | 3,836 |
| Pretax return on assets | 0.8277% | 3,513 |
| Return on Equity (ROE) | 4.5923% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.5923% | 2,660 |
| Net charge-offs to loans | 0.0397% | 1,951 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 29.7250% | 1,444 |
| Efficiency ratio | 70.3195% | 1,914 |
| Assets per employee ($millions) | 7.4746% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.9120% | 1,727 |
| Net loans and leases to deposits | 89.4853% | 1,399 |
| Net loans and leases to core deposits | 120.7720% | 406 |
| Total domestic deposits to total assets | 80.3618% | 3,759 |
| Equity capital to assets | 12.3670% | 1,444 |
| Core capital (leverage) ratio | 12.8073% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9680% | 1,062 |
| Memoranda: | ||
| Average total assets | $275,204,333 | 2,377 |
| Average earning assets | $265,902,333 | 2,333 |
| Average equity | $35,625,000 | 2,177 |
| Average total loans | $201,279,667 | 2,212 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,687 |
| Cost of funding earning assets | 1.6021% | 188 |
| Net interest margin | 3.1049% | 4,085 |
| Noninterest income to average assets | 0.2187% | 4,240 |
| Noninterest expense to average assets | 2.1030% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7954% | 2,926 |
| Return on assets (ROA) | 0.7954% | 3,014 |
| Pretax return on assets | 1.1114% | 2,475 |
| Return on Equity (ROE) | 5.9980% | 3,317 |
| Retained earnings to average equity (ytd only) | 5.9980% | 1,871 |
| Net charge-offs to loans | 0.0818% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 18.5500% | 1,465 |
| Efficiency ratio | 65.4240% | 3,038 |
| Assets per employee ($millions) | 7.1414% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.4124% | 2,018 |
| Net loans and leases to deposits | 82.9478% | 2,338 |
| Net loans and leases to core deposits | 113.0982% | 708 |
| Total domestic deposits to total assets | 86.0932% | 1,963 |
| Equity capital to assets | 13.4811% | 1,226 |
| Core capital (leverage) ratio | 13.1725% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6414% | 1,041 |
| Memoranda: | ||
| Average total assets | $267,052,000 | 2,385 |
| Average earning assets | $257,656,500 | 2,338 |
| Average equity | $35,412,000 | 2,177 |
| Average total loans | $195,507,500 | 2,221 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 874 |
| Cost of funding earning assets | 1.6448% | 249 |
| Net interest margin | 3.6258% | 3,057 |
| Noninterest income to average assets | 0.5695% | 2,371 |
| Noninterest expense to average assets | 2.2958% | 3,953 |
| Loan and lease loss provision to assets | 0.0300% | 3,415 |
| Net operating income to assets | 1.2313% | 1,941 |
| Return on assets (ROA) | 1.2313% | 2,028 |
| Pretax return on assets | 1.7388% | 1,088 |
| Return on Equity (ROE) | 9.0672% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.0977% | 948 |
| Net charge-offs to loans | -0.0396% | 4,776 |
| Credit loss provision to net charge-offs | -97.4026% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4832% | 4,147 |
| Assets per employee ($millions) | 7.1019% | 1,003 |
| Cash dividends to net income (ytd only)* | 10.6922% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.6243% | 1,987 |
| Net loans and leases to deposits | 83.9335% | 2,343 |
| Net loans and leases to core deposits | 113.5144% | 694 |
| Total domestic deposits to total assets | 86.5259% | 1,834 |
| Equity capital to assets | 13.0442% | 1,492 |
| Core capital (leverage) ratio | 12.9609% | 1,255 |
| Tier 1 risk-based capital ratio | 16.3974% | 2,258 |
| Total risk-based capital ratio | 17.6508% | 2,195 |
| Memoranda: | ||
| Average total assets | $249,888,800 | 2,464 |
| Average earning assets | $240,884,800 | 2,403 |
| Average equity | $33,935,600 | 2,191 |
| Average total loans | $194,294,200 | 2,205 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 746 |
| Cost of funding earning assets | 1.6066% | 285 |
| Net interest margin | 3.7639% | 2,704 |
| Noninterest income to average assets | 0.6800% | 1,865 |
| Noninterest expense to average assets | 2.3977% | 3,689 |
| Loan and lease loss provision to assets | 0.0408% | 3,089 |
| Net operating income to assets | 1.3235% | 1,758 |
| Return on assets (ROA) | 1.3235% | 1,826 |
| Pretax return on assets | 1.8691% | 938 |
| Return on Equity (ROE) | 9.6412% | 2,605 |
| Retained earnings to average equity (ytd only) | 9.6412% | 851 |
| Net charge-offs to loans | -0.0463% | 4,819 |
| Credit loss provision to net charge-offs | -111.9403% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6623% | 4,200 |
| Assets per employee ($millions) | 6.5442% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.3753% | 1,934 |
| Net loans and leases to deposits | 84.8120% | 2,341 |
| Net loans and leases to core deposits | 113.8197% | 763 |
| Total domestic deposits to total assets | 86.5153% | 1,765 |
| Equity capital to assets | 13.0080% | 1,620 |
| Core capital (leverage) ratio | 13.4917% | 1,137 |
| Tier 1 risk-based capital ratio | 16.1950% | 2,365 |
| Total risk-based capital ratio | 17.4483% | 2,295 |
| Memoranda: | ||
| Average total assets | $244,892,500 | 2,512 |
| Average earning assets | $236,024,500 | 2,449 |
| Average equity | $33,618,750 | 2,224 |
| Average total loans | $193,073,250 | 2,235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5134% | 554 |
| Cost of funding earning assets | 1.5493% | 321 |
| Net interest margin | 3.9640% | 2,044 |
| Noninterest income to average assets | 0.6436% | 1,949 |
| Noninterest expense to average assets | 2.5004% | 3,478 |
| Loan and lease loss provision to assets | 0.0633% | 2,553 |
| Net operating income to assets | 1.3438% | 1,604 |
| Return on assets (ROA) | 1.3438% | 1,668 |
| Pretax return on assets | 1.8980% | 842 |
| Return on Equity (ROE) | 9.5990% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.5990% | 882 |
| Net charge-offs to loans | -0.0702% | 4,926 |
| Credit loss provision to net charge-offs | -111.9403% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0408% | 4,241 |
| Assets per employee ($millions) | 6.4712% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 995 |
| 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 | 78.5324% | 1,121 |
| Net loans and leases to deposits | 92.1707% | 1,475 |
| Net loans and leases to core deposits | 126.7431% | 376 |
| Total domestic deposits to total assets | 85.2033% | 2,386 |
| Equity capital to assets | 13.8537% | 1,182 |
| Core capital (leverage) ratio | 14.1650% | 917 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,287 |
| Total risk-based capital ratio | 17.6031% | 2,226 |
| Memoranda: | ||
| Average total assets | $237,086,330 | 2,574 |
| Average earning assets | $228,354,670 | 2,515 |
| Average equity | $33,191,000 | 2,239 |
| Average total loans | $190,748,330 | 2,254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 478 |
| Cost of funding earning assets | 1.4719% | 357 |
| Net interest margin | 4.0785% | 1,612 |
| Noninterest income to average assets | 0.1874% | 4,629 |
| Noninterest expense to average assets | 2.3827% | 3,815 |
| Loan and lease loss provision to assets | 0.0344% | 2,942 |
| Net operating income to assets | 1.2034% | 2,039 |
| Return on assets (ROA) | 1.2034% | 2,090 |
| Pretax return on assets | 1.7002% | 1,206 |
| Return on Equity (ROE) | 8.5488% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.5488% | 1,469 |
| Net charge-offs to loans | -0.1404% | 5,109 |
| Credit loss provision to net charge-offs | -30.3030% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8706% | 4,098 |
| Assets per employee ($millions) | 6.5428% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.4433% | 786 |
| Net loans and leases to deposits | 94.3277% | 1,134 |
| Net loans and leases to core deposits | 128.0856% | 333 |
| Total domestic deposits to total assets | 85.2807% | 2,566 |
| Equity capital to assets | 14.0595% | 1,015 |
| Core capital (leverage) ratio | 14.0569% | 933 |
| Tier 1 risk-based capital ratio | 16.3148% | 2,331 |
| Total risk-based capital ratio | 17.5688% | 2,276 |
| Memoranda: | ||
| Average total assets | $232,676,500 | 2,620 |
| Average earning assets | $224,202,500 | 2,562 |
| Average equity | $32,753,000 | 2,265 |
| Average total loans | $187,977,500 | 2,298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 602 |
| Cost of funding earning assets | 0.9948% | 769 |
| Net interest margin | 4.2872% | 1,187 |
| Noninterest income to average assets | 0.5155% | 2,745 |
| Noninterest expense to average assets | 2.6049% | 3,319 |
| Loan and lease loss provision to assets | 0.1246% | 1,768 |
| Net operating income to assets | 1.3421% | 1,647 |
| Return on assets (ROA) | 1.3424% | 1,634 |
| Pretax return on assets | 1.9135% | 695 |
| Return on Equity (ROE) | 9.1995% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.3163% | 1,112 |
| Net charge-offs to loans | -0.0159% | 4,628 |
| Credit loss provision to net charge-offs | -1,019.2308% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1094% | 4,393 |
| Assets per employee ($millions) | 5.7453% | 1,723 |
| Cash dividends to net income (ytd only)* | 9.6006% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.4676% | 1,188 |
| Net loans and leases to deposits | 91.9328% | 1,561 |
| Net loans and leases to core deposits | 122.5312% | 481 |
| Total domestic deposits to total assets | 85.3532% | 2,482 |
| Equity capital to assets | 14.0941% | 939 |
| Core capital (leverage) ratio | 14.0618% | 908 |
| Tier 1 risk-based capital ratio | 16.7359% | 2,156 |
| Total risk-based capital ratio | 17.9902% | 2,100 |
| Memoranda: | ||
| Average total assets | $212,598,400 | 2,750 |
| Average earning assets | $204,654,800 | 2,685 |
| Average equity | $31,023,400 | 2,283 |
| Average total loans | $163,978,600 | 2,488 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 690 |
| Cost of funding earning assets | 0.8707% | 1,034 |
| Net interest margin | 4.2784% | 1,162 |
| Noninterest income to average assets | 0.3847% | 3,568 |
| Noninterest expense to average assets | 2.6603% | 3,099 |
| Loan and lease loss provision to assets | 0.0576% | 2,829 |
| Net operating income to assets | 1.2522% | 2,034 |
| Return on assets (ROA) | 1.2527% | 2,040 |
| Pretax return on assets | 1.7846% | 1,046 |
| Return on Equity (ROE) | 8.5043% | 3,328 |
| Retained earnings to average equity (ytd only) | 8.5043% | 1,418 |
| Net charge-offs to loans | -0.0168% | 4,577 |
| Credit loss provision to net charge-offs | -450.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0928% | 3,952 |
| Assets per employee ($millions) | 5.9321% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.4702% | 1,266 |
| Net loans and leases to deposits | 92.6755% | 1,540 |
| Net loans and leases to core deposits | 123.5215% | 475 |
| Total domestic deposits to total assets | 84.6719% | 2,730 |
| Equity capital to assets | 14.4255% | 847 |
| Core capital (leverage) ratio | 15.1062% | 678 |
| Tier 1 risk-based capital ratio | 17.5025% | 1,928 |
| Total risk-based capital ratio | 18.7566% | 1,887 |
| Memoranda: | ||
| Average total assets | $208,295,000 | 2,809 |
| Average earning assets | $200,442,000 | 2,731 |
| Average equity | $30,681,750 | 2,303 |
| Average total loans | $159,133,250 | 2,546 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 723 |
| Cost of funding earning assets | 0.7927% | 1,156 |
| Net interest margin | 4.2624% | 1,130 |
| Noninterest income to average assets | 0.3627% | 3,733 |
| Noninterest expense to average assets | 2.6789% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2526% | 1,970 |
| Return on assets (ROA) | 1.2534% | 1,961 |
| Pretax return on assets | 1.7853% | 1,001 |
| Return on Equity (ROE) | 8.4467% | 3,288 |
| Retained earnings to average equity (ytd only) | 8.4467% | 1,427 |
| Net charge-offs to loans | -0.0247% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0219% | 3,928 |
| Assets per employee ($millions) | 5.7716% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.9299% | 1,328 |
| Net loans and leases to deposits | 92.5093% | 1,521 |
| Net loans and leases to core deposits | 120.0063% | 563 |
| Total domestic deposits to total assets | 84.2401% | 2,975 |
| Equity capital to assets | 15.3436% | 618 |
| Core capital (leverage) ratio | 15.3644% | 598 |
| Tier 1 risk-based capital ratio | 18.5877% | 1,656 |
| Total risk-based capital ratio | 19.8427% | 1,616 |
| Memoranda: | ||
| Average total assets | $204,564,670 | 2,860 |
| Average earning assets | $196,790,670 | 2,783 |
| Average equity | $30,355,000 | 2,333 |
| Average total loans | $153,817,000 | 2,625 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 872 |
| Cost of funding earning assets | 0.7268% | 1,307 |
| Net interest margin | 4.1729% | 1,236 |
| Noninterest income to average assets | 0.2196% | 4,691 |
| Noninterest expense to average assets | 2.6331% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1275% | 2,297 |
| Return on assets (ROA) | 1.1290% | 2,308 |
| Pretax return on assets | 1.6051% | 1,382 |
| Return on Equity (ROE) | 7.7376% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.7376% | 1,944 |
| Net charge-offs to loans | -0.0053% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1560% | 3,752 |
| Assets per employee ($millions) | 5.9828% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 730 |
| Loan loss allowance to noncurrent loans | 2,062.4060% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,763 |
| Noncurrent loans to loans | 0.0888% | 4,583 |
| Net loans and leases to total assets | 72.2600% | 2,123 |
| Net loans and leases to deposits | 85.3216% | 2,259 |
| Net loans and leases to core deposits | 107.3164% | 1,162 |
| Total domestic deposits to total assets | 84.6913% | 3,033 |
| Equity capital to assets | 14.8967% | 699 |
| Core capital (leverage) ratio | 14.7222% | 704 |
| Tier 1 risk-based capital ratio | 19.2602% | 1,486 |
| Total risk-based capital ratio | 20.5163% | 1,450 |
| Memoranda: | ||
| Average total assets | $205,844,000 | 2,879 |
| Average earning assets | $198,136,000 | 2,805 |
| Average equity | $30,035,000 | 2,365 |
| Average total loans | $150,634,000 | 2,679 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,809 |
| Cost of funding earning assets | 0.7072% | 987 |
| Net interest margin | 3.7644% | 2,549 |
| Noninterest income to average assets | 0.2537% | 4,614 |
| Noninterest expense to average assets | 2.1688% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8941% | 2,745 |
| Return on assets (ROA) | 0.8941% | 2,773 |
| Pretax return on assets | 1.7112% | 978 |
| Return on Equity (ROE) | 6.5001% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.7273% | 2,306 |
| Net charge-offs to loans | 0.0734% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.8108% | 1,454 |
| Efficiency ratio | 55.8973% | 4,776 |
| Assets per employee ($millions) | 7.1819% | 897 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 770 |
| Loan loss allowance to noncurrent loans | 1,903.4722% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 4,780 |
| Noncurrent loans to loans | 0.0950% | 4,566 |
| Net loans and leases to total assets | 71.4429% | 2,308 |
| Net loans and leases to deposits | 83.7029% | 2,525 |
| Net loans and leases to core deposits | 103.0143% | 1,485 |
| Total domestic deposits to total assets | 85.3529% | 2,706 |
| Equity capital to assets | 14.2927% | 834 |
| Core capital (leverage) ratio | 13.4747% | 975 |
| Tier 1 risk-based capital ratio | 18.4135% | 1,675 |
| Total risk-based capital ratio | 19.6690% | 1,630 |
| Memoranda: | ||
| Average total assets | $212,838,000 | 2,793 |
| Average earning assets | $205,024,000 | 2,720 |
| Average equity | $29,276,600 | 2,408 |
| Average total loans | $151,170,200 | 2,643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 2,040 |
| Cost of funding earning assets | 0.6965% | 981 |
| Net interest margin | 3.6773% | 2,832 |
| Noninterest income to average assets | 0.2362% | 4,796 |
| Noninterest expense to average assets | 2.0668% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0150% | 2,496 |
| Return on assets (ROA) | 1.0150% | 2,534 |
| Pretax return on assets | 1.7123% | 1,091 |
| Return on Equity (ROE) | 7.4500% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.4500% | 1,456 |
| Net charge-offs to loans | 0.1050% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 23.0928% | 1,832 |
| Efficiency ratio | 54.6908% | 4,883 |
| Assets per employee ($millions) | 7.5600% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 912 |
| Loan loss allowance to noncurrent loans | 1,106.4777% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,681 |
| Noncurrent loans to loans | 0.1595% | 4,423 |
| Net loans and leases to total assets | 69.3797% | 2,649 |
| Net loans and leases to deposits | 80.6725% | 2,904 |
| Net loans and leases to core deposits | 97.0863% | 1,971 |
| Total domestic deposits to total assets | 86.0016% | 2,313 |
| Equity capital to assets | 13.6964% | 1,077 |
| Core capital (leverage) ratio | 13.6475% | 978 |
| Tier 1 risk-based capital ratio | 18.7407% | 1,667 |
| Total risk-based capital ratio | 19.9970% | 1,608 |
| Memoranda: | ||
| Average total assets | $213,979,000 | 2,798 |
| Average earning assets | $206,162,250 | 2,726 |
| Average equity | $29,153,750 | 2,431 |
| Average total loans | $151,078,250 | 2,659 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,285 |
| Cost of funding earning assets | 0.6928% | 927 |
| Net interest margin | 3.5581% | 3,191 |
| Noninterest income to average assets | 0.2544% | 4,716 |
| Noninterest expense to average assets | 2.0780% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9509% | 2,652 |
| Return on assets (ROA) | 0.9509% | 2,709 |
| Pretax return on assets | 1.6030% | 1,336 |
| Return on Equity (ROE) | 6.9918% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9918% | 1,593 |
| Net charge-offs to loans | 0.1241% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.2903% | 1,889 |
| Efficiency ratio | 56.4516% | 4,772 |
| Assets per employee ($millions) | 7.6206% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 929 |
| Loan loss allowance to noncurrent loans | 766.3889% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,510 |
| Noncurrent loans to loans | 0.2317% | 4,198 |
| Net loans and leases to total assets | 71.5171% | 2,278 |
| Net loans and leases to deposits | 83.2076% | 2,578 |
| Net loans and leases to core deposits | 100.9473% | 1,588 |
| Total domestic deposits to total assets | 85.9502% | 2,392 |
| Equity capital to assets | 13.7770% | 1,052 |
| Core capital (leverage) ratio | 13.8050% | 911 |
| Tier 1 risk-based capital ratio | 18.2957% | 1,776 |
| Total risk-based capital ratio | 19.5518% | 1,731 |
| Memoranda: | ||
| Average total assets | $212,225,330 | 2,835 |
| Average earning assets | $204,377,000 | 2,763 |
| Average equity | $28,862,330 | 2,446 |
| Average total loans | $149,824,000 | 2,679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 2,661 |
| Cost of funding earning assets | 0.6772% | 946 |
| Net interest margin | 3.4193% | 3,574 |
| Noninterest income to average assets | 0.2759% | 4,572 |
| Noninterest expense to average assets | 2.1110% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8656% | 2,923 |
| Return on assets (ROA) | 0.8656% | 2,973 |
| Pretax return on assets | 1.4571% | 1,673 |
| Return on Equity (ROE) | 6.4067% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.4067% | 2,133 |
| Net charge-offs to loans | 0.2992% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.0091% | 2,175 |
| Efficiency ratio | 59.1631% | 4,571 |
| Assets per employee ($millions) | 7.7764% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 918 |
| Loan loss allowance to noncurrent loans | 727.3210% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 4,523 |
| Noncurrent loans to loans | 0.2508% | 4,213 |
| Net loans and leases to total assets | 70.2771% | 2,326 |
| Net loans and leases to deposits | 84.1278% | 2,269 |
| Net loans and leases to core deposits | 103.0419% | 1,288 |
| Total domestic deposits to total assets | 83.5361% | 3,642 |
| Equity capital to assets | 13.7315% | 994 |
| Core capital (leverage) ratio | 13.5887% | 948 |
| Tier 1 risk-based capital ratio | 17.8074% | 1,940 |
| Total risk-based capital ratio | 19.0632% | 1,887 |
| Memoranda: | ||
| Average total assets | $211,649,500 | 2,873 |
| Average earning assets | $203,785,000 | 2,792 |
| Average equity | $28,595,000 | 2,473 |
| Average total loans | $147,056,000 | 2,734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 2,849 |
| Cost of funding earning assets | 0.6789% | 915 |
| Net interest margin | 3.4214% | 3,746 |
| Noninterest income to average assets | 0.5385% | 2,985 |
| Noninterest expense to average assets | 2.1786% | 4,825 |
| Loan and lease loss provision to assets | 0.0147% | 4,079 |
| Net operating income to assets | 0.9920% | 2,383 |
| Return on assets (ROA) | 0.9920% | 2,489 |
| Pretax return on assets | 1.6362% | 1,175 |
| Return on Equity (ROE) | 7.3468% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.6154% | 1,401 |
| Net charge-offs to loans | -0.0309% | 5,260 |
| Credit loss provision to net charge-offs | -68.1818% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8899% | 4,964 |
| Assets per employee ($millions) | 7.9013% | 634 |
| Cash dividends to net income (ytd only)* | 9.9554% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 677 |
| Loan loss allowance to noncurrent loans | 2,910.2041% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,157 |
| Noncurrent loans to loans | 0.0681% | 4,967 |
| Net loans and leases to total assets | 66.0751% | 3,063 |
| Net loans and leases to deposits | 78.5785% | 3,034 |
| Net loans and leases to core deposits | 93.0485% | 2,207 |
| Total domestic deposits to total assets | 84.0880% | 3,394 |
| Equity capital to assets | 13.2931% | 1,138 |
| Core capital (leverage) ratio | 13.5003% | 967 |
| Tier 1 risk-based capital ratio | 18.5362% | 1,717 |
| Total risk-based capital ratio | 19.7941% | 1,682 |
| Memoranda: | ||
| Average total assets | $203,522,800 | 2,916 |
| Average earning assets | $195,766,800 | 2,841 |
| Average equity | $27,481,400 | 2,537 |
| Average total loans | $142,180,400 | 2,751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 2,929 |
| Cost of funding earning assets | 0.6833% | 890 |
| Net interest margin | 3.4023% | 3,829 |
| Noninterest income to average assets | 0.6392% | 2,482 |
| Noninterest expense to average assets | 2.1405% | 4,912 |
| Loan and lease loss provision to assets | 0.0199% | 3,843 |
| Net operating income to assets | 1.0596% | 2,161 |
| Return on assets (ROA) | 1.0596% | 2,276 |
| Pretax return on assets | 1.7506% | 1,001 |
| Return on Equity (ROE) | 7.8153% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.8153% | 1,248 |
| Net charge-offs to loans | -0.0198% | 5,005 |
| Credit loss provision to net charge-offs | -142.8571% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7304% | 5,182 |
| Assets per employee ($millions) | 7.1115% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 778 |
| Loan loss allowance to noncurrent loans | 2,643.9252% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,251 |
| Noncurrent loans to loans | 0.0739% | 5,052 |
| Net loans and leases to total assets | 68.8402% | 2,671 |
| Net loans and leases to deposits | 82.4039% | 2,681 |
| Net loans and leases to core deposits | 98.2362% | 1,790 |
| Total domestic deposits to total assets | 83.5401% | 3,379 |
| Equity capital to assets | 13.6529% | 1,177 |
| Core capital (leverage) ratio | 13.7650% | 925 |
| Tier 1 risk-based capital ratio | 18.2169% | 1,858 |
| Total risk-based capital ratio | 19.4746% | 1,828 |
| Memoranda: | ||
| Average total assets | $201,069,500 | 2,952 |
| Average earning assets | $193,357,000 | 2,875 |
| Average equity | $27,262,000 | 2,570 |
| Average total loans | $141,772,000 | 2,761 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,897 |
| Cost of funding earning assets | 0.6822% | 876 |
| Net interest margin | 3.4100% | 3,852 |
| Noninterest income to average assets | 0.4866% | 3,285 |
| Noninterest expense to average assets | 2.2102% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9451% | 2,644 |
| Return on assets (ROA) | 0.9451% | 2,789 |
| Pretax return on assets | 1.5561% | 1,499 |
| Return on Equity (ROE) | 6.9872% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.9872% | 1,609 |
| Net charge-offs to loans | -0.0199% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6841% | 4,813 |
| Assets per employee ($millions) | 7.1914% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 807 |
| Loan loss allowance to noncurrent loans | 2,269.9187% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,311 |
| Noncurrent loans to loans | 0.0862% | 5,105 |
| Net loans and leases to total assets | 69.4963% | 2,555 |
| Net loans and leases to deposits | 83.1785% | 2,565 |
| Net loans and leases to core deposits | 97.9121% | 1,815 |
| Total domestic deposits to total assets | 83.5508% | 3,443 |
| Equity capital to assets | 13.6373% | 1,165 |
| Core capital (leverage) ratio | 13.6080% | 948 |
| Tier 1 risk-based capital ratio | 18.7349% | 1,752 |
| Total risk-based capital ratio | 19.9934% | 1,709 |
| Memoranda: | ||
| Average total assets | $199,348,000 | 2,982 |
| Average earning assets | $191,731,670 | 2,911 |
| Average equity | $26,963,670 | 2,595 |
| Average total loans | $140,762,330 | 2,776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 2,901 |
| Cost of funding earning assets | 0.6775% | 902 |
| Net interest margin | 3.4084% | 3,846 |
| Noninterest income to average assets | 0.5082% | 3,059 |
| Noninterest expense to average assets | 2.2628% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9277% | 2,611 |
| Return on assets (ROA) | 0.9277% | 2,719 |
| Pretax return on assets | 1.5226% | 1,523 |
| Return on Equity (ROE) | 6.8874% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.8874% | 1,941 |
| Net charge-offs to loans | -0.0229% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7762% | 4,776 |
| Assets per employee ($millions) | 6.8301% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 805 |
| Loan loss allowance to noncurrent loans | 509.3236% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 4,452 |
| Noncurrent loans to loans | 0.3949% | 4,021 |
| Net loans and leases to total assets | 68.5192% | 2,578 |
| Net loans and leases to deposits | 82.0133% | 2,540 |
| Net loans and leases to core deposits | 95.8846% | 1,816 |
| Total domestic deposits to total assets | 83.5465% | 3,697 |
| Equity capital to assets | 13.6122% | 1,135 |
| Core capital (leverage) ratio | 13.4891% | 990 |
| Tier 1 risk-based capital ratio | 18.5693% | 1,834 |
| Total risk-based capital ratio | 19.8277% | 1,787 |
| Memoranda: | ||
| Average total assets | $198,342,500 | 3,006 |
| Average earning assets | $190,707,500 | 2,922 |
| Average equity | $26,715,500 | 2,614 |
| Average total loans | $139,779,000 | 2,787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,801 |
| Cost of funding earning assets | 0.6576% | 1,029 |
| Net interest margin | 3.2139% | 4,581 |
| Noninterest income to average assets | 0.6052% | 2,691 |
| Noninterest expense to average assets | 2.1176% | 5,220 |
| Loan and lease loss provision to assets | 0.0822% | 2,650 |
| Net operating income to assets | 0.9215% | 2,752 |
| Return on assets (ROA) | 0.9215% | 2,839 |
| Pretax return on assets | 1.5243% | 1,483 |
| Return on Equity (ROE) | 7.2002% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.4880% | 1,549 |
| Net charge-offs to loans | 0.0269% | 3,693 |
| Credit loss provision to net charge-offs | 458.3333% | 673 |
| Earnings coverage of net charge-offs (x) | 89.5833% | 634 |
| Efficiency ratio | 56.8620% | 5,267 |
| Assets per employee ($millions) | 7.0933% | 859 |
| Cash dividends to net income (ytd only)* | 9.8919% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 841 |
| Loan loss allowance to noncurrent loans | 445.1923% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 4,336 |
| Noncurrent loans to loans | 0.4424% | 3,884 |
| Net loans and leases to total assets | 69.6212% | 2,426 |
| Net loans and leases to deposits | 83.0053% | 2,473 |
| Net loans and leases to core deposits | 95.9025% | 1,859 |
| Total domestic deposits to total assets | 83.8756% | 3,535 |
| Equity capital to assets | 13.3270% | 1,196 |
| Core capital (leverage) ratio | 12.8643% | 1,201 |
| Tier 1 risk-based capital ratio | 18.0474% | 1,953 |
| Total risk-based capital ratio | 19.3058% | 1,907 |
| Memoranda: | ||
| Average total assets | $200,750,400 | 2,944 |
| Average earning assets | $194,813,000 | 2,829 |
| Average equity | $25,693,600 | 2,638 |
| Average total loans | $133,739,800 | 2,828 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,992 |
| Cost of funding earning assets | 0.6504% | 1,090 |
| Net interest margin | 3.1811% | 4,731 |
| Noninterest income to average assets | 0.5518% | 3,042 |
| Noninterest expense to average assets | 2.0567% | 5,372 |
| Loan and lease loss provision to assets | 0.0497% | 3,218 |
| Net operating income to assets | 0.9267% | 2,824 |
| Return on assets (ROA) | 0.9267% | 2,909 |
| Pretax return on assets | 1.5394% | 1,575 |
| Return on Equity (ROE) | 7.3149% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.3149% | 1,540 |
| Net charge-offs to loans | 0.0061% | 3,967 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 399.8238% | 191 |
| Efficiency ratio | 56.4135% | 5,294 |
| Assets per employee ($millions) | 7.3709% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 898 |
| Loan loss allowance to noncurrent loans | 924.4898% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,188 |
| Noncurrent loans to loans | 0.2178% | 4,784 |
| Net loans and leases to total assets | 64.0838% | 3,297 |
| Net loans and leases to deposits | 75.7091% | 3,338 |
| Net loans and leases to core deposits | 87.6748% | 2,688 |
| Total domestic deposits to total assets | 84.6448% | 3,157 |
| Equity capital to assets | 12.7174% | 1,604 |
| Core capital (leverage) ratio | 12.8153% | 1,265 |
| Tier 1 risk-based capital ratio | 18.8431% | 1,808 |
| Total risk-based capital ratio | 20.1022% | 1,778 |
| Memoranda: | ||
| Average total assets | $201,285,000 | 2,956 |
| Average earning assets | $195,776,250 | 2,845 |
| Average equity | $25,499,750 | 2,677 |
| Average total loans | $131,911,250 | 2,874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 3,978 |
| Cost of funding earning assets | 0.6451% | 1,132 |
| Net interest margin | 3.1790% | 4,721 |
| Noninterest income to average assets | 0.4740% | 3,529 |
| Noninterest expense to average assets | 2.0903% | 5,356 |
| Loan and lease loss provision to assets | 0.0752% | 2,608 |
| Net operating income to assets | 0.8458% | 3,145 |
| Return on assets (ROA) | 0.8458% | 3,252 |
| Pretax return on assets | 1.4099% | 1,938 |
| Return on Equity (ROE) | 6.6850% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.6850% | 1,855 |
| Net charge-offs to loans | 0.0260% | 3,164 |
| Credit loss provision to net charge-offs | 441.1765% | 689 |
| Earnings coverage of net charge-offs (x) | 87.1765% | 658 |
| Efficiency ratio | 58.4641% | 5,167 |
| Assets per employee ($millions) | 7.1976% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 972 |
| Loan loss allowance to noncurrent loans | 174.1956% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 3,079 |
| Noncurrent loans to loans | 1.1525% | 2,339 |
| Net loans and leases to total assets | 65.5638% | 3,026 |
| Net loans and leases to deposits | 79.4392% | 2,858 |
| Net loans and leases to core deposits | 90.6162% | 2,284 |
| Total domestic deposits to total assets | 82.5333% | 4,114 |
| Equity capital to assets | 12.7518% | 1,518 |
| Core capital (leverage) ratio | 12.8608% | 1,232 |
| Tier 1 risk-based capital ratio | 18.0973% | 2,039 |
| Total risk-based capital ratio | 19.3560% | 1,995 |
| Memoranda: | ||
| Average total assets | $199,584,670 | 2,997 |
| Average earning assets | $194,713,330 | 2,882 |
| Average equity | $25,250,670 | 2,704 |
| Average total loans | $130,889,000 | 2,893 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,367 |
| Cost of funding earning assets | 0.6504% | 1,112 |
| Net interest margin | 3.0490% | 5,079 |
| Noninterest income to average assets | 0.1551% | 5,812 |
| Noninterest expense to average assets | 2.1046% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6163% | 4,211 |
| Return on assets (ROA) | 0.6163% | 4,302 |
| Pretax return on assets | 1.0432% | 3,323 |
| Return on Equity (ROE) | 4.8908% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.8908% | 3,114 |
| Net charge-offs to loans | 0.0372% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.1667% | 930 |
| Efficiency ratio | 66.8586% | 4,006 |
| Assets per employee ($millions) | 6.3991% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 998 |
| Loan loss allowance to noncurrent loans | 148.1461% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 2,845 |
| Noncurrent loans to loans | 1.3808% | 2,080 |
| Net loans and leases to total assets | 63.6546% | 3,141 |
| Net loans and leases to deposits | 77.1133% | 2,931 |
| Net loans and leases to core deposits | 87.6318% | 2,365 |
| Total domestic deposits to total assets | 82.5469% | 4,328 |
| Equity capital to assets | 12.6928% | 1,572 |
| Core capital (leverage) ratio | 12.5973% | 1,320 |
| Tier 1 risk-based capital ratio | 19.0022% | 1,866 |
| Total risk-based capital ratio | 20.2617% | 1,826 |
| Memoranda: | ||
| Average total assets | $198,611,000 | 3,030 |
| Average earning assets | $194,949,500 | 2,895 |
| Average equity | $25,026,500 | 2,747 |
| Average total loans | $128,914,000 | 2,925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,596 |
| Cost of funding earning assets | 0.6567% | 1,365 |
| Net interest margin | 3.3741% | 4,308 |
| Noninterest income to average assets | 0.4701% | 3,713 |
| Noninterest expense to average assets | 2.3179% | 5,067 |
| Loan and lease loss provision to assets | 0.1306% | 2,010 |
| Net operating income to assets | 0.8097% | 3,326 |
| Return on assets (ROA) | 0.8097% | 3,413 |
| Pretax return on assets | 1.3314% | 2,138 |
| Return on Equity (ROE) | 6.2177% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,182 |
| Net charge-offs to loans | -0.0024% | 5,387 |
| Credit loss provision to net charge-offs | -8,100.0000% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3220% | 5,019 |
| Assets per employee ($millions) | 6.6283% | 992 |
| Cash dividends to net income (ytd only)* | 9.5554% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 1,019 |
| Loan loss allowance to noncurrent loans | 712.0968% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 4,863 |
| Noncurrent loans to loans | 0.2886% | 4,815 |
| Net loans and leases to total assets | 63.4996% | 3,292 |
| Net loans and leases to deposits | 76.7630% | 3,111 |
| Net loans and leases to core deposits | 86.8198% | 2,621 |
| Total domestic deposits to total assets | 82.7216% | 4,176 |
| Equity capital to assets | 12.5089% | 1,644 |
| Core capital (leverage) ratio | 12.5619% | 1,328 |
| Tier 1 risk-based capital ratio | 18.9613% | 1,859 |
| Total risk-based capital ratio | 20.2214% | 1,817 |
| Memoranda: | ||
| Average total assets | $186,117,000 | 3,147 |
| Average earning assets | $182,568,400 | 3,005 |
| Average equity | $24,237,200 | 2,734 |
| Average total loans | $126,677,200 | 2,931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,585 |
| Cost of funding earning assets | 0.6494% | 1,462 |
| Net interest margin | 3.3933% | 4,268 |
| Noninterest income to average assets | 0.4096% | 4,166 |
| Noninterest expense to average assets | 2.2507% | 5,225 |
| Loan and lease loss provision to assets | 0.1042% | 2,301 |
| Net operating income to assets | 0.8484% | 3,186 |
| Return on assets (ROA) | 0.8484% | 3,280 |
| Pretax return on assets | 1.3833% | 2,070 |
| Return on Equity (ROE) | 6.4456% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.4456% | 2,137 |
| Net charge-offs to loans | 0.0032% | 4,593 |
| Credit loss provision to net charge-offs | 4,766.6667% | 81 |
| Earnings coverage of net charge-offs (x) | 680.3175% | 115 |
| Efficiency ratio | 60.2067% | 5,147 |
| Assets per employee ($millions) | 6.6795% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 1,232 |
| Loan loss allowance to noncurrent loans | 413.4959% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 5,003 |
| Noncurrent loans to loans | 0.4870% | 4,451 |
| Net loans and leases to total assets | 63.8848% | 3,187 |
| Net loans and leases to deposits | 77.4844% | 3,008 |
| Net loans and leases to core deposits | 87.5491% | 2,478 |
| Total domestic deposits to total assets | 82.4486% | 4,319 |
| Equity capital to assets | 12.7152% | 1,577 |
| Core capital (leverage) ratio | 12.8811% | 1,232 |
| Tier 1 risk-based capital ratio | 19.1705% | 1,868 |
| Total risk-based capital ratio | 20.4266% | 1,833 |
| Memoranda: | ||
| Average total assets | $182,933,750 | 3,204 |
| Average earning assets | $179,447,500 | 3,071 |
| Average equity | $24,078,000 | 2,755 |
| Average total loans | $126,117,000 | 2,953 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,567 |
| Cost of funding earning assets | 0.6312% | 1,639 |
| Net interest margin | 3.4141% | 4,118 |
| Noninterest income to average assets | 0.4873% | 3,575 |
| Noninterest expense to average assets | 2.2359% | 5,322 |
| Loan and lease loss provision to assets | 0.1595% | 1,560 |
| Net operating income to assets | 0.8988% | 2,818 |
| Return on assets (ROA) | 0.8988% | 2,912 |
| Pretax return on assets | 1.4397% | 1,752 |
| Return on Equity (ROE) | 6.7465% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.7465% | 1,903 |
| Net charge-offs to loans | -0.0524% | 5,897 |
| Credit loss provision to net charge-offs | -433.3333% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3018% | 5,518 |
| Assets per employee ($millions) | 6.4075% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 1,381 |
| Loan loss allowance to noncurrent loans | 383.2095% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 4,978 |
| Noncurrent loans to loans | 0.5188% | 4,451 |
| Net loans and leases to total assets | 66.1490% | 2,728 |
| Net loans and leases to deposits | 80.1931% | 2,494 |
| Net loans and leases to core deposits | 94.1261% | 1,763 |
| Total domestic deposits to total assets | 82.4872% | 4,476 |
| Equity capital to assets | 12.6352% | 1,571 |
| Core capital (leverage) ratio | 13.2060% | 1,084 |
| Tier 1 risk-based capital ratio | 18.5704% | 2,046 |
| Total risk-based capital ratio | 19.8293% | 1,999 |
| Memoranda: | ||
| Average total assets | $179,343,330 | 3,258 |
| Average earning assets | $175,857,000 | 3,130 |
| Average equity | $23,894,000 | 2,762 |
| Average total loans | $126,059,000 | 2,944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,784 |
| Cost of funding earning assets | 0.6207% | 1,807 |
| Net interest margin | 3.3558% | 4,312 |
| Noninterest income to average assets | 0.5437% | 3,092 |
| Noninterest expense to average assets | 2.2741% | 5,263 |
| Loan and lease loss provision to assets | 0.2152% | 1,065 |
| Net operating income to assets | 0.8537% | 2,880 |
| Return on assets (ROA) | 0.8537% | 2,950 |
| Pretax return on assets | 1.3441% | 1,939 |
| Return on Equity (ROE) | 6.2286% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.2286% | 2,422 |
| Net charge-offs to loans | -0.0225% | 5,408 |
| Credit loss provision to net charge-offs | -1,328.5714% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3241% | 5,498 |
| Assets per employee ($millions) | 6.0297% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 1,548 |
| Loan loss allowance to noncurrent loans | 328.9093% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 4,837 |
| Noncurrent loans to loans | 0.6028% | 4,351 |
| Net loans and leases to total assets | 70.7661% | 1,763 |
| Net loans and leases to deposits | 84.4541% | 1,778 |
| Net loans and leases to core deposits | 99.7944% | 1,116 |
| Total domestic deposits to total assets | 83.7924% | 4,348 |
| Equity capital to assets | 13.6553% | 1,049 |
| Core capital (leverage) ratio | 13.9427% | 837 |
| Tier 1 risk-based capital ratio | 18.6035% | 2,092 |
| Total risk-based capital ratio | 19.8621% | 2,051 |
| Memoranda: | ||
| Average total assets | $172,902,500 | 3,366 |
| Average earning assets | $169,499,000 | 3,224 |
| Average equity | $23,697,000 | 2,778 |
| Average total loans | $124,221,500 | 2,986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,966 |
| Cost of funding earning assets | 0.6816% | 1,948 |
| Net interest margin | 3.6166% | 3,388 |
| Noninterest income to average assets | 0.3425% | 4,866 |
| Noninterest expense to average assets | 2.4541% | 4,914 |
| Loan and lease loss provision to assets | 0.2385% | 1,521 |
| Net operating income to assets | 0.6869% | 3,861 |
| Return on assets (ROA) | 0.6869% | 3,954 |
| Pretax return on assets | 1.1633% | 2,718 |
| Return on Equity (ROE) | 5.2428% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.6045% | 2,877 |
| Net charge-offs to loans | 0.2753% | 2,325 |
| Credit loss provision to net charge-offs | 119.1950% | 2,005 |
| Earnings coverage of net charge-offs (x) | 7.0062% | 2,931 |
| Efficiency ratio | 63.6466% | 4,966 |
| Assets per employee ($millions) | 6.1051% | 1,200 |
| Cash dividends to net income (ytd only)* | 12.1731% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 1,633 |
| Loan loss allowance to noncurrent loans | 309.6649% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 4,880 |
| Noncurrent loans to loans | 0.6350% | 4,393 |
| Net loans and leases to total assets | 70.0783% | 1,995 |
| Net loans and leases to deposits | 83.8524% | 1,957 |
| Net loans and leases to core deposits | 101.1466% | 1,078 |
| Total domestic deposits to total assets | 83.5735% | 4,329 |
| Equity capital to assets | 13.7566% | 983 |
| Core capital (leverage) ratio | 13.5077% | 954 |
| Tier 1 risk-based capital ratio | 18.7128% | 2,007 |
| Total risk-based capital ratio | 19.9716% | 1,964 |
| Memoranda: | ||
| Average total assets | $161,441,400 | 3,540 |
| Average earning assets | $156,833,600 | 3,389 |
| Average equity | $21,153,000 | 3,017 |
| Average total loans | $117,320,400 | 3,095 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,819 |
| Cost of funding earning assets | 0.6832% | 2,074 |
| Net interest margin | 3.6608% | 3,191 |
| Noninterest income to average assets | 0.2297% | 5,790 |
| Noninterest expense to average assets | 2.4752% | 4,796 |
| Loan and lease loss provision to assets | 0.2137% | 1,704 |
| Net operating income to assets | 0.6429% | 4,165 |
| Return on assets (ROA) | 0.6429% | 4,278 |
| Pretax return on assets | 1.0888% | 3,157 |
| Return on Equity (ROE) | 4.9734% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.9734% | 3,109 |
| Net charge-offs to loans | 0.2607% | 2,251 |
| Credit loss provision to net charge-offs | 112.3348% | 2,099 |
| Earnings coverage of net charge-offs (x) | 6.8458% | 2,897 |
| Efficiency ratio | 65.5203% | 4,570 |
| Assets per employee ($millions) | 6.2479% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,972 |
| Loan loss allowance to noncurrent loans | 346.3450% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 5,207 |
| Noncurrent loans to loans | 0.5517% | 4,818 |
| Net loans and leases to total assets | 72.0882% | 1,585 |
| Net loans and leases to deposits | 85.4096% | 1,689 |
| Net loans and leases to core deposits | 103.8045% | 888 |
| Total domestic deposits to total assets | 84.4029% | 4,025 |
| Equity capital to assets | 12.3746% | 1,651 |
| Core capital (leverage) ratio | 12.9524% | 1,227 |
| Tier 1 risk-based capital ratio | 16.3372% | 3,018 |
| Total risk-based capital ratio | 17.5952% | 2,983 |
| Memoranda: | ||
| Average total assets | $159,066,000 | 3,605 |
| Average earning assets | $154,169,750 | 3,466 |
| Average equity | $20,562,250 | 3,130 |
| Average total loans | $116,101,250 | 3,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,704 |
| Cost of funding earning assets | 0.7004% | 2,060 |
| Net interest margin | 3.6628% | 3,123 |
| Noninterest income to average assets | 0.2361% | 5,755 |
| Noninterest expense to average assets | 2.5485% | 4,569 |
| Loan and lease loss provision to assets | 0.2181% | 1,739 |
| Net operating income to assets | 0.5941% | 4,316 |
| Return on assets (ROA) | 0.5941% | 4,500 |
| Pretax return on assets | 1.0060% | 3,483 |
| Return on Equity (ROE) | 4.5263% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.5263% | 3,388 |
| Net charge-offs to loans | 0.2556% | 2,187 |
| Credit loss provision to net charge-offs | 117.2414% | 1,891 |
| Earnings coverage of net charge-offs (x) | 6.5793% | 2,695 |
| Efficiency ratio | 67.5510% | 4,254 |
| Assets per employee ($millions) | 5.9332% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 1,952 |
| Loan loss allowance to noncurrent loans | 234.7222% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9583% | 2,208 |
| Noncurrent loans to loans | 0.8331% | 4,250 |
| Net loans and leases to total assets | 76.8961% | 877 |
| Net loans and leases to deposits | 89.3582% | 1,204 |
| Net loans and leases to core deposits | 108.6411% | 621 |
| Total domestic deposits to total assets | 86.0538% | 3,336 |
| Equity capital to assets | 13.3842% | 1,190 |
| Core capital (leverage) ratio | 12.9276% | 1,195 |
| Tier 1 risk-based capital ratio | 16.5640% | 2,908 |
| Total risk-based capital ratio | 17.8223% | 2,863 |
| Memoranda: | ||
| Average total assets | $155,857,330 | 3,674 |
| Average earning assets | $150,484,330 | 3,541 |
| Average equity | $20,458,000 | 3,161 |
| Average total loans | $113,476,330 | 3,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,776 |
| Cost of funding earning assets | 0.7058% | 2,157 |
| Net interest margin | 3.6216% | 3,177 |
| Noninterest income to average assets | 0.4520% | 4,111 |
| Noninterest expense to average assets | 2.6785% | 4,157 |
| Loan and lease loss provision to assets | 0.1787% | 2,076 |
| Net operating income to assets | 0.6460% | 3,985 |
| Return on assets (ROA) | 0.6460% | 4,144 |
| Pretax return on assets | 1.0929% | 2,982 |
| Return on Equity (ROE) | 4.9697% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.9697% | 3,254 |
| Net charge-offs to loans | 0.5505% | 1,099 |
| Credit loss provision to net charge-offs | 46.3576% | 2,654 |
| Earnings coverage of net charge-offs (x) | 3.2980% | 2,796 |
| Efficiency ratio | 67.8087% | 4,343 |
| Assets per employee ($millions) | 5.9303% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 1,836 |
| Loan loss allowance to noncurrent loans | 219.6307% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9635% | 2,390 |
| Noncurrent loans to loans | 0.9482% | 4,245 |
| Net loans and leases to total assets | 66.3631% | 2,305 |
| Net loans and leases to deposits | 76.3576% | 2,578 |
| Net loans and leases to core deposits | 88.5987% | 1,847 |
| Total domestic deposits to total assets | 86.9110% | 3,010 |
| Equity capital to assets | 12.8055% | 1,530 |
| Core capital (leverage) ratio | 12.8630% | 1,167 |
| Tier 1 risk-based capital ratio | 17.8795% | 2,419 |
| Total risk-based capital ratio | 19.1389% | 2,374 |
| Memoranda: | ||
| Average total assets | $156,654,000 | 3,699 |
| Average earning assets | $151,312,500 | 3,570 |
| Average equity | $20,363,500 | 3,211 |
| Average total loans | $109,720,000 | 3,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 4,545 |
| Cost of funding earning assets | 0.7942% | 2,711 |
| Net interest margin | 3.4169% | 4,824 |
| Noninterest income to average assets | 0.6246% | 3,143 |
| Noninterest expense to average assets | 2.7415% | 4,244 |
| Loan and lease loss provision to assets | 0.2162% | 2,970 |
| Net operating income to assets | 0.7373% | 3,566 |
| Return on assets (ROA) | 0.7373% | 3,815 |
| Pretax return on assets | 0.9486% | 3,753 |
| Return on Equity (ROE) | 5.2949% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8876% | 2,775 |
| Net charge-offs to loans | 0.2031% | 3,755 |
| Credit loss provision to net charge-offs | 157.2165% | 1,709 |
| Earnings coverage of net charge-offs (x) | 8.4691% | 2,409 |
| Efficiency ratio | 70.1815% | 3,779 |
| Assets per employee ($millions) | 5.6737% | 1,544 |
| Cash dividends to net income (ytd only)* | 7.6923% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 1,743 |
| Loan loss allowance to noncurrent loans | 238.8776% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 2.0197% | 2,428 |
| Noncurrent loans to loans | 0.8835% | 4,411 |
| Net loans and leases to total assets | 70.8791% | 1,668 |
| Net loans and leases to deposits | 82.0312% | 1,993 |
| Net loans and leases to core deposits | 96.8487% | 1,239 |
| Total domestic deposits to total assets | 86.4050% | 3,151 |
| Equity capital to assets | 13.2013% | 1,352 |
| Core capital (leverage) ratio | 13.5973% | 915 |
| Tier 1 risk-based capital ratio | 17.1519% | 2,583 |
| Total risk-based capital ratio | 18.4111% | 2,553 |
| Memoranda: | ||
| Average total assets | $141,051,600 | 3,932 |
| Average earning assets | $135,474,000 | 3,803 |
| Average equity | $19,641,400 | 3,239 |
| Average total loans | $95,511,800 | 3,632 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 4,941 |
| Cost of funding earning assets | 0.8197% | 2,779 |
| Net interest margin | 3.3434% | 5,235 |
| Noninterest income to average assets | 0.6859% | 2,777 |
| Noninterest expense to average assets | 2.6469% | 4,579 |
| Loan and lease loss provision to assets | 0.2946% | 2,230 |
| Net operating income to assets | 0.5622% | 4,559 |
| Return on assets (ROA) | 0.5622% | 4,825 |
| Pretax return on assets | 0.9515% | 3,907 |
| Return on Equity (ROE) | 3.9802% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.9802% | 4,081 |
| Net charge-offs to loans | 0.2153% | 3,436 |
| Credit loss provision to net charge-offs | 206.0811% | 1,343 |
| Earnings coverage of net charge-offs (x) | 8.7162% | 2,406 |
| Efficiency ratio | 67.9901% | 4,068 |
| Assets per employee ($millions) | 5.3534% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4037% | 1,355 |
| Loan loss allowance to noncurrent loans | 195.8162% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 2.3972% | 2,224 |
| Noncurrent loans to loans | 1.2275% | 3,999 |
| Net loans and leases to total assets | 67.0527% | 2,446 |
| Net loans and leases to deposits | 77.9175% | 2,666 |
| Net loans and leases to core deposits | 92.6728% | 1,708 |
| Total domestic deposits to total assets | 86.0561% | 3,221 |
| Equity capital to assets | 13.7253% | 1,263 |
| Core capital (leverage) ratio | 13.5964% | 980 |
| Tier 1 risk-based capital ratio | 18.4987% | 2,167 |
| Total risk-based capital ratio | 19.7618% | 2,128 |
| Memoranda: | ||
| Average total assets | $138,017,250 | 4,024 |
| Average earning assets | $132,396,750 | 3,889 |
| Average equity | $19,496,000 | 3,291 |
| Average total loans | $91,659,750 | 3,742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 5,201 |
| Cost of funding earning assets | 0.8409% | 2,874 |
| Net interest margin | 3.2883% | 5,478 |
| Noninterest income to average assets | 0.6714% | 2,824 |
| Noninterest expense to average assets | 2.6310% | 4,680 |
| Loan and lease loss provision to assets | 0.0736% | 4,705 |
| Net operating income to assets | 0.6596% | 4,065 |
| Return on assets (ROA) | 0.6596% | 4,323 |
| Pretax return on assets | 1.1160% | 3,247 |
| Return on Equity (ROE) | 4.6229% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.6229% | 3,533 |
| Net charge-offs to loans | 0.0830% | 4,316 |
| Credit loss provision to net charge-offs | 135.1351% | 2,035 |
| Earnings coverage of net charge-offs (x) | 21.8378% | 1,328 |
| Efficiency ratio | 68.8632% | 3,966 |
| Assets per employee ($millions) | 5.1377% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 1,302 |
| Loan loss allowance to noncurrent loans | 180.7413% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4240% | 2,306 |
| Noncurrent loans to loans | 1.3752% | 3,857 |
| Net loans and leases to total assets | 61.1695% | 3,594 |
| Net loans and leases to deposits | 71.0533% | 3,758 |
| Net loans and leases to core deposits | 83.8049% | 2,716 |
| Total domestic deposits to total assets | 86.0896% | 3,312 |
| Equity capital to assets | 13.6546% | 1,241 |
| Core capital (leverage) ratio | 14.0844% | 782 |
| Tier 1 risk-based capital ratio | 19.5628% | 1,829 |
| Total risk-based capital ratio | 20.8253% | 1,799 |
| Memoranda: | ||
| Average total assets | $135,842,000 | 4,078 |
| Average earning assets | $130,095,670 | 3,958 |
| Average equity | $19,381,670 | 3,298 |
| Average total loans | $89,110,670 | 3,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 4,825 |
| Cost of funding earning assets | 0.8872% | 2,781 |
| Net interest margin | 3.3899% | 5,155 |
| Noninterest income to average assets | 0.8769% | 1,842 |
| Noninterest expense to average assets | 2.9006% | 3,621 |
| Loan and lease loss provision to assets | 0.0759% | 4,450 |
| Net operating income to assets | 0.6705% | 4,029 |
| Return on assets (ROA) | 0.6705% | 4,242 |
| Pretax return on assets | 1.1348% | 3,183 |
| Return on Equity (ROE) | 4.5920% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.5920% | 3,818 |
| Net charge-offs to loans | 0.1671% | 3,086 |
| Credit loss provision to net charge-offs | 67.5676% | 2,963 |
| Earnings coverage of net charge-offs (x) | 10.7838% | 1,729 |
| Efficiency ratio | 70.5535% | 3,709 |
| Assets per employee ($millions) | 4.6410% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5174% | 1,327 |
| Loan loss allowance to noncurrent loans | 50.4779% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 5.1089% | 1,004 |
| Noncurrent loans to loans | 4.9871% | 1,128 |
| Net loans and leases to total assets | 63.8165% | 2,882 |
| Net loans and leases to deposits | 75.0347% | 2,969 |
| Net loans and leases to core deposits | 91.6835% | 1,683 |
| Total domestic deposits to total assets | 85.0493% | 4,014 |
| Equity capital to assets | 14.3987% | 891 |
| Core capital (leverage) ratio | 14.5297% | 681 |
| Tier 1 risk-based capital ratio | 20.0243% | 1,707 |
| Total risk-based capital ratio | 21.2872% | 1,676 |
| Memoranda: | ||
| Average total assets | $131,835,000 | 4,189 |
| Average earning assets | $125,785,500 | 4,067 |
| Average equity | $19,251,000 | 3,317 |
| Average total loans | $88,546,500 | 3,865 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 6,017 |
| Cost of funding earning assets | 1.0055% | 3,337 |
| Net interest margin | 3.2081% | 6,070 |
| Noninterest income to average assets | 1.1289% | 1,026 |
| Noninterest expense to average assets | 2.8728% | 4,072 |
| Loan and lease loss provision to assets | 0.5691% | 1,830 |
| Net operating income to assets | 0.4606% | 4,591 |
| Return on assets (ROA) | 0.4606% | 4,795 |
| Pretax return on assets | 0.7799% | 4,050 |
| Return on Equity (ROE) | 3.2122% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.2122% | 3,934 |
| Net charge-offs to loans | 1.4689% | 1,095 |
| Credit loss provision to net charge-offs | 55.0628% | 5,301 |
| Earnings coverage of net charge-offs (x) | 1.3052% | 4,799 |
| Efficiency ratio | 68.0478% | 4,346 |
| Assets per employee ($millions) | 4.9647% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5060% | 1,307 |
| Loan loss allowance to noncurrent loans | 42.5329% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 6.4347% | 734 |
| Noncurrent loans to loans | 5.8920% | 858 |
| Net loans and leases to total assets | 67.2097% | 2,537 |
| Net loans and leases to deposits | 79.9364% | 2,534 |
| Net loans and leases to core deposits | 101.5284% | 1,063 |
| Total domestic deposits to total assets | 84.0790% | 4,289 |
| Equity capital to assets | 14.8147% | 821 |
| Core capital (leverage) ratio | 14.5159% | 709 |
| Tier 1 risk-based capital ratio | 19.7796% | 1,688 |
| Total risk-based capital ratio | 21.0428% | 1,656 |
| Memoranda: | ||
| Average total assets | $130,918,800 | 4,150 |
| Average earning assets | $126,211,800 | 4,009 |
| Average equity | $18,772,400 | 3,315 |
| Average total loans | $92,110,600 | 3,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 6,260 |
| Cost of funding earning assets | 1.0312% | 3,457 |
| Net interest margin | 3.1450% | 6,303 |
| Noninterest income to average assets | 1.1508% | 993 |
| Noninterest expense to average assets | 2.8294% | 4,239 |
| Loan and lease loss provision to assets | 0.5734% | 1,711 |
| Net operating income to assets | 0.4668% | 4,691 |
| Return on assets (ROA) | 0.4668% | 4,882 |
| Pretax return on assets | 0.7906% | 4,167 |
| Return on Equity (ROE) | 3.2825% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.2825% | 4,382 |
| Net charge-offs to loans | 1.8788% | 695 |
| Credit loss provision to net charge-offs | 43.1627% | 5,179 |
| Earnings coverage of net charge-offs (x) | 1.0267% | 4,865 |
| Efficiency ratio | 67.4734% | 4,427 |
| Assets per employee ($millions) | 5.2405% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4273% | 1,493 |
| Loan loss allowance to noncurrent loans | 35.9979% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 6.5694% | 782 |
| Noncurrent loans to loans | 6.7428% | 756 |
| Net loans and leases to total assets | 61.7792% | 3,782 |
| Net loans and leases to deposits | 73.1959% | 3,778 |
| Net loans and leases to core deposits | 92.9731% | 1,889 |
| Total domestic deposits to total assets | 84.4025% | 4,051 |
| Equity capital to assets | 13.9190% | 1,189 |
| Core capital (leverage) ratio | 14.1501% | 863 |
| Tier 1 risk-based capital ratio | 19.9932% | 1,686 |
| Total risk-based capital ratio | 21.2552% | 1,656 |
| Memoranda: | ||
| Average total assets | $131,378,250 | 4,167 |
| Average earning assets | $127,097,500 | 4,011 |
| Average equity | $18,684,750 | 3,325 |
| Average total loans | $92,892,000 | 3,821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 6,273 |
| Cost of funding earning assets | 1.0683% | 3,490 |
| Net interest margin | 3.1337% | 6,324 |
| Noninterest income to average assets | 1.4874% | 583 |
| Noninterest expense to average assets | 2.8485% | 4,237 |
| Loan and lease loss provision to assets | 0.8709% | 1,031 |
| Net operating income to assets | 0.4825% | 4,582 |
| Return on assets (ROA) | 0.4825% | 4,727 |
| Pretax return on assets | 0.8154% | 3,967 |
| Return on Equity (ROE) | 3.3672% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.3672% | 4,120 |
| Net charge-offs to loans | 2.1136% | 614 |
| Credit loss provision to net charge-offs | 56.2189% | 4,436 |
| Earnings coverage of net charge-offs (x) | 1.0886% | 4,464 |
| Efficiency ratio | 62.8144% | 5,435 |
| Assets per employee ($millions) | 4.8703% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6419% | 1,254 |
| Loan loss allowance to noncurrent loans | 23.9393% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 7.7529% | 613 |
| Noncurrent loans to loans | 11.0359% | 313 |
| Net loans and leases to total assets | 67.2013% | 2,791 |
| Net loans and leases to deposits | 78.6831% | 3,008 |
| Net loans and leases to core deposits | 103.2203% | 1,101 |
| Total domestic deposits to total assets | 85.4075% | 3,673 |
| Equity capital to assets | 14.2625% | 1,009 |
| Core capital (leverage) ratio | 14.3627% | 793 |
| Tier 1 risk-based capital ratio | 19.5539% | 1,704 |
| Total risk-based capital ratio | 20.8197% | 1,673 |
| Memoranda: | ||
| Average total assets | $129,753,330 | 4,234 |
| Average earning assets | $126,178,000 | 4,067 |
| Average equity | $18,591,330 | 3,318 |
| Average total loans | $95,099,330 | 3,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 6,037 |
| Cost of funding earning assets | 1.1168% | 3,405 |
| Net interest margin | 3.1748% | 6,152 |
| Noninterest income to average assets | 1.7660% | 438 |
| Noninterest expense to average assets | 2.9702% | 3,767 |
| Loan and lease loss provision to assets | 0.6207% | 1,388 |
| Net operating income to assets | 0.7480% | 3,287 |
| Return on assets (ROA) | 0.7480% | 3,351 |
| Pretax return on assets | 1.2632% | 2,153 |
| Return on Equity (ROE) | 5.2081% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.2081% | 3,052 |
| Net charge-offs to loans | 0.0822% | 4,125 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 30.3500% | 824 |
| Efficiency ratio | 61.1893% | 5,808 |
| Assets per employee ($millions) | 4.7641% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1581% | 796 |
| Loan loss allowance to noncurrent loans | 27.1305% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 8.7864% | 508 |
| Noncurrent loans to loans | 11.6405% | 299 |
| Net loans and leases to total assets | 71.9467% | 1,732 |
| Net loans and leases to deposits | 87.3330% | 1,546 |
| Net loans and leases to core deposits | 117.9593% | 476 |
| Total domestic deposits to total assets | 82.3820% | 5,154 |
| Equity capital to assets | 14.4958% | 880 |
| Core capital (leverage) ratio | 14.2522% | 792 |
| Tier 1 risk-based capital ratio | 19.2593% | 1,741 |
| Total risk-based capital ratio | 20.5334% | 1,705 |
| Memoranda: | ||
| Average total assets | $128,880,500 | 4,280 |
| Average earning assets | $125,362,000 | 4,116 |
| Average equity | $18,509,500 | 3,326 |
| Average total loans | $97,265,500 | 3,800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 4,369 |
| Cost of funding earning assets | 1.2494% | 4,218 |
| Net interest margin | 3.7903% | 3,986 |
| Noninterest income to average assets | 0.1238% | 6,784 |
| Noninterest expense to average assets | 2.9787% | 3,930 |
| Loan and lease loss provision to assets | 0.2718% | 4,629 |
| Net operating income to assets | 0.3179% | 4,874 |
| Return on assets (ROA) | 0.3179% | 5,041 |
| Pretax return on assets | 0.5384% | 4,506 |
| Return on Equity (ROE) | 2.3216% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.3216% | 4,253 |
| Net charge-offs to loans | 0.1384% | 5,537 |
| Credit loss provision to net charge-offs | 260.8696% | 1,080 |
| Earnings coverage of net charge-offs (x) | 7.7754% | 2,065 |
| Efficiency ratio | 78.6170% | 2,594 |
| Assets per employee ($millions) | 4.3044% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8676% | 985 |
| Loan loss allowance to noncurrent loans | 28.5686% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 7.8664% | 642 |
| Noncurrent loans to loans | 10.0376% | 423 |
| Net loans and leases to total assets | 74.4438% | 1,578 |
| Net loans and leases to deposits | 88.1094% | 1,773 |
| Net loans and leases to core deposits | 115.8737% | 647 |
| Total domestic deposits to total assets | 84.4902% | 4,113 |
| Equity capital to assets | 14.2282% | 972 |
| Core capital (leverage) ratio | 14.4072% | 764 |
| Tier 1 risk-based capital ratio | 18.3475% | 1,894 |
| Total risk-based capital ratio | 19.6175% | 1,849 |
| Memoranda: | ||
| Average total assets | $132,441,200 | 4,210 |
| Average earning assets | $128,063,600 | 4,064 |
| Average equity | $18,133,800 | 3,407 |
| Average total loans | $99,729,600 | 3,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,726 |
| Cost of funding earning assets | 1.2982% | 4,232 |
| Net interest margin | 3.9236% | 3,434 |
| Noninterest income to average assets | 0.0950% | 7,068 |
| Noninterest expense to average assets | 3.0664% | 3,504 |
| Loan and lease loss provision to assets | 0.2901% | 4,258 |
| Net operating income to assets | 0.3111% | 5,119 |
| Return on assets (ROA) | 0.3111% | 5,294 |
| Pretax return on assets | 0.5272% | 4,829 |
| Return on Equity (ROE) | 2.2942% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.2942% | 4,790 |
| Net charge-offs to loans | 0.1841% | 4,848 |
| Credit loss provision to net charge-offs | 210.1449% | 1,671 |
| Earnings coverage of net charge-offs (x) | 5.9202% | 2,641 |
| Efficiency ratio | 78.9541% | 2,495 |
| Assets per employee ($millions) | 4.3456% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9028% | 900 |
| Loan loss allowance to noncurrent loans | 41.9521% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 5.3880% | 1,160 |
| Noncurrent loans to loans | 6.9193% | 822 |
| Net loans and leases to total assets | 73.4711% | 1,918 |
| Net loans and leases to deposits | 86.5658% | 2,226 |
| Net loans and leases to core deposits | 114.4049% | 818 |
| Total domestic deposits to total assets | 84.8732% | 3,681 |
| Equity capital to assets | 14.5222% | 1,015 |
| Core capital (leverage) ratio | 14.2216% | 878 |
| Tier 1 risk-based capital ratio | 18.6870% | 1,825 |
| Total risk-based capital ratio | 19.9537% | 1,793 |
| Memoranda: | ||
| Average total assets | $133,268,750 | 4,244 |
| Average earning assets | $128,688,250 | 4,094 |
| Average equity | $18,074,000 | 3,460 |
| Average total loans | $99,920,000 | 3,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 3,328 |
| Cost of funding earning assets | 1.3396% | 4,256 |
| Net interest margin | 3.9883% | 3,073 |
| Noninterest income to average assets | -0.1341% | 7,646 |
| Noninterest expense to average assets | 2.9745% | 3,810 |
| Loan and lease loss provision to assets | 0.3832% | 3,417 |
| Net operating income to assets | 0.2049% | 5,544 |
| Return on assets (ROA) | 0.2049% | 5,674 |
| Pretax return on assets | 0.3479% | 5,377 |
| Return on Equity (ROE) | 1.5446% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.5446% | 5,096 |
| Net charge-offs to loans | 0.2760% | 3,957 |
| Credit loss provision to net charge-offs | 185.7143% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.5429% | 3,281 |
| Efficiency ratio | 80.2705% | 2,409 |
| Assets per employee ($millions) | 4.5593% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9429% | 872 |
| Loan loss allowance to noncurrent loans | 38.6987% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 5.5082% | 1,121 |
| Noncurrent loans to loans | 7.6046% | 700 |
| Net loans and leases to total assets | 68.2448% | 3,303 |
| Net loans and leases to deposits | 80.6193% | 3,498 |
| Net loans and leases to core deposits | 105.2157% | 1,518 |
| Total domestic deposits to total assets | 84.6507% | 3,792 |
| Equity capital to assets | 13.6990% | 1,271 |
| Core capital (leverage) ratio | 13.9913% | 928 |
| Tier 1 risk-based capital ratio | 19.1363% | 1,688 |
| Total risk-based capital ratio | 20.4025% | 1,648 |
| Memoranda: | ||
| Average total assets | $135,684,670 | 4,220 |
| Average earning assets | $130,631,670 | 4,076 |
| Average equity | $17,998,330 | 3,467 |
| Average total loans | $101,441,000 | 3,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 3,928 |
| Cost of funding earning assets | 1.4352% | 3,961 |
| Net interest margin | 3.7826% | 3,863 |
| Noninterest income to average assets | -0.1019% | 7,755 |
| Noninterest expense to average assets | 3.0011% | 3,677 |
| Loan and lease loss provision to assets | 0.2329% | 4,174 |
| Net operating income to assets | 0.1688% | 5,793 |
| Return on assets (ROA) | 0.1688% | 5,917 |
| Pretax return on assets | 0.2853% | 5,650 |
| Return on Equity (ROE) | 1.2931% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.2931% | 5,292 |
| Net charge-offs to loans | 0.3861% | 2,886 |
| Credit loss provision to net charge-offs | 78.4314% | 3,918 |
| Earnings coverage of net charge-offs (x) | 1.7451% | 3,685 |
| Efficiency ratio | 85.2771% | 1,876 |
| Assets per employee ($millions) | 4.7440% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 1,316 |
| Loan loss allowance to noncurrent loans | 57.2627% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.7632% | 1,384 |
| Noncurrent loans to loans | 4.3375% | 1,744 |
| Net loans and leases to total assets | 74.0262% | 1,965 |
| Net loans and leases to deposits | 85.9007% | 2,603 |
| Net loans and leases to core deposits | 106.0368% | 1,572 |
| Total domestic deposits to total assets | 86.1765% | 3,046 |
| Equity capital to assets | 13.0661% | 1,497 |
| Core capital (leverage) ratio | 13.2052% | 1,156 |
| Tier 1 risk-based capital ratio | 16.4226% | 2,481 |
| Total risk-based capital ratio | 17.6874% | 2,431 |
| Memoranda: | ||
| Average total assets | $137,416,500 | 4,240 |
| Average earning assets | $131,548,500 | 4,122 |
| Average equity | $17,941,000 | 3,496 |
| Average total loans | $105,676,500 | 3,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 3,707 |
| Cost of funding earning assets | 2.2638% | 1,788 |
| Net interest margin | 3.3154% | 5,677 |
| Noninterest income to average assets | 0.0945% | 7,294 |
| Noninterest expense to average assets | 2.7436% | 5,183 |
| Loan and lease loss provision to assets | 1.7578% | 1,299 |
| Net operating income to assets | -0.9152% | 6,522 |
| Return on assets (ROA) | -0.9131% | 6,521 |
| Pretax return on assets | -1.2366% | 6,561 |
| Return on Equity (ROE) | -8.4982% | 6,510 |
| Retained earnings to average equity (ytd only) | -8.4982% | 6,391 |
| Net charge-offs to loans | 1.6639% | 1,521 |
| Credit loss provision to net charge-offs | 130.9150% | 3,877 |
| Earnings coverage of net charge-offs (x) | 0.3860% | 5,728 |
| Efficiency ratio | 84.1097% | 2,333 |
| Assets per employee ($millions) | 4.9020% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 1,296 |
| Loan loss allowance to noncurrent loans | 66.8712% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 4.4158% | 1,470 |
| Noncurrent loans to loans | 3.6589% | 2,056 |
| Net loans and leases to total assets | 75.9894% | 1,799 |
| Net loans and leases to deposits | 87.6353% | 2,621 |
| Net loans and leases to core deposits | 167.7658% | 257 |
| Total domestic deposits to total assets | 86.7110% | 2,651 |
| Equity capital to assets | 13.0457% | 1,493 |
| Core capital (leverage) ratio | 13.0720% | 1,234 |
| Tier 1 risk-based capital ratio | 16.0723% | 2,490 |
| Total risk-based capital ratio | 17.3371% | 2,415 |
| Memoranda: | ||
| Average total assets | $137,555,200 | 4,174 |
| Average earning assets | $131,418,600 | 4,058 |
| Average equity | $14,779,600 | 4,101 |
| Average total loans | $111,002,800 | 3,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 3,480 |
| Cost of funding earning assets | 2.4441% | 1,473 |
| Net interest margin | 3.2253% | 5,934 |
| Noninterest income to average assets | 0.2102% | 6,724 |
| Noninterest expense to average assets | 2.7048% | 5,304 |
| Loan and lease loss provision to assets | 2.1535% | 809 |
| Net operating income to assets | -1.1373% | 6,926 |
| Return on assets (ROA) | -1.1373% | 6,928 |
| Pretax return on assets | -1.5684% | 6,999 |
| Return on Equity (ROE) | -11.1822% | 6,967 |
| Retained earnings to average equity (ytd only) | -11.1822% | 6,894 |
| Net charge-offs to loans | 2.1745% | 890 |
| Credit loss provision to net charge-offs | 121.6749% | 4,168 |
| Earnings coverage of net charge-offs (x) | 0.3306% | 5,695 |
| Efficiency ratio | 82.2144% | 2,553 |
| Assets per employee ($millions) | 4.8419% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2967% | 1,305 |
| Loan loss allowance to noncurrent loans | 171.1781% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 2.6864% | 2,594 |
| Noncurrent loans to loans | 1.3417% | 4,694 |
| Net loans and leases to total assets | 76.5964% | 1,874 |
| Net loans and leases to deposits | 85.4437% | 3,425 |
| Net loans and leases to core deposits | 181.4154% | 178 |
| Total domestic deposits to total assets | 89.6454% | 910 |
| Equity capital to assets | 10.0750% | 3,994 |
| Core capital (leverage) ratio | 10.0181% | 3,256 |
| Tier 1 risk-based capital ratio | 12.1750% | 4,815 |
| Total risk-based capital ratio | 13.4374% | 4,754 |
| Memoranda: | ||
| Average total assets | $137,630,000 | 4,196 |
| Average earning assets | $131,417,750 | 4,080 |
| Average equity | $13,998,000 | 4,299 |
| Average total loans | $112,024,500 | 3,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 3,406 |
| Cost of funding earning assets | 2.6500% | 1,162 |
| Net interest margin | 3.0758% | 6,317 |
| Noninterest income to average assets | 0.2342% | 6,605 |
| Noninterest expense to average assets | 2.6577% | 5,531 |
| Loan and lease loss provision to assets | 2.7343% | 561 |
| Net operating income to assets | -1.5183% | 7,255 |
| Return on assets (ROA) | -1.5183% | 7,257 |
| Pretax return on assets | -2.2225% | 7,352 |
| Return on Equity (ROE) | -14.8820% | 7,321 |
| Retained earnings to average equity (ytd only) | -14.8820% | 7,227 |
| Net charge-offs to loans | 2.7436% | 613 |
| Credit loss provision to net charge-offs | 120.9853% | 3,833 |
| Earnings coverage of net charge-offs (x) | 0.2265% | 5,446 |
| Efficiency ratio | 83.8504% | 2,491 |
| Assets per employee ($millions) | 4.6473% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 1,297 |
| Loan loss allowance to noncurrent loans | 79.8184% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 3.8502% | 1,574 |
| Noncurrent loans to loans | 2.7102% | 2,657 |
| Net loans and leases to total assets | 79.6324% | 1,370 |
| Net loans and leases to deposits | 88.7392% | 3,043 |
| Net loans and leases to core deposits | 200.0690% | 123 |
| Total domestic deposits to total assets | 89.7376% | 943 |
| Equity capital to assets | 9.9538% | 4,012 |
| Core capital (leverage) ratio | 9.6458% | 3,709 |
| Tier 1 risk-based capital ratio | 12.2753% | 4,700 |
| Total risk-based capital ratio | 13.5377% | 4,600 |
| Memoranda: | ||
| Average total assets | $138,315,670 | 4,208 |
| Average earning assets | $131,998,670 | 4,103 |
| Average equity | $14,111,000 | 4,280 |
| Average total loans | $113,937,670 | 3,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 3,698 |
| Cost of funding earning assets | 2.8679% | 835 |
| Net interest margin | 2.8501% | 6,876 |
| Noninterest income to average assets | 0.2227% | 6,689 |
| Noninterest expense to average assets | 2.5156% | 5,781 |
| Loan and lease loss provision to assets | 0.1599% | 4,889 |
| Net operating income to assets | 0.1656% | 5,770 |
| Return on assets (ROA) | 0.1656% | 5,936 |
| Pretax return on assets | 0.2827% | 5,723 |
| Return on Equity (ROE) | 1.6045% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.6045% | 4,950 |
| Net charge-offs to loans | -0.0103% | 7,279 |
| Credit loss provision to net charge-offs | -1,866.6667% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0386% | 2,190 |
| Assets per employee ($millions) | 5.0738% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 1,712 |
| Loan loss allowance to noncurrent loans | 93.6360% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 3.0457% | 1,853 |
| Noncurrent loans to loans | 1.9892% | 3,273 |
| Net loans and leases to total assets | 78.0301% | 1,817 |
| Net loans and leases to deposits | 87.2043% | 3,436 |
| Net loans and leases to core deposits | 202.2975% | 134 |
| Total domestic deposits to total assets | 89.4796% | 1,021 |
| Equity capital to assets | 10.2107% | 3,757 |
| Core capital (leverage) ratio | 10.0666% | 3,327 |
| Tier 1 risk-based capital ratio | 12.5335% | 4,525 |
| Total risk-based capital ratio | 13.7912% | 4,441 |
| Memoranda: | ||
| Average total assets | $140,087,000 | 4,182 |
| Average earning assets | $134,451,500 | 4,063 |
| Average equity | $14,459,000 | 4,233 |
| Average total loans | $116,058,500 | 3,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7605% | 1,828 |
| Cost of funding earning assets | 3.1770% | 1,263 |
| Net interest margin | 3.5835% | 4,958 |
| Noninterest income to average assets | 0.6049% | 3,808 |
| Noninterest expense to average assets | 2.8881% | 4,490 |
| Loan and lease loss provision to assets | 0.9785% | 1,507 |
| Net operating income to assets | 0.1248% | 6,037 |
| Return on assets (ROA) | 0.1248% | 5,885 |
| Pretax return on assets | 0.2117% | 5,704 |
| Return on Equity (ROE) | 1.1559% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.1559% | 4,535 |
| Net charge-offs to loans | 0.2348% | 3,902 |
| Credit loss provision to net charge-offs | 480.2326% | 921 |
| Earnings coverage of net charge-offs (x) | 5.8411% | 3,515 |
| Efficiency ratio | 70.8172% | 4,174 |
| Assets per employee ($millions) | 4.9324% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 1,861 |
| Loan loss allowance to noncurrent loans | 35.0652% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 4.2228% | 940 |
| Noncurrent loans to loans | 4.8943% | 916 |
| Net loans and leases to total assets | 84.7987% | 758 |
| Net loans and leases to deposits | 95.2874% | 2,563 |
| Net loans and leases to core deposits | 217.7834% | 117 |
| Total domestic deposits to total assets | 88.9926% | 1,045 |
| Equity capital to assets | 10.4354% | 3,574 |
| Core capital (leverage) ratio | 10.7418% | 2,783 |
| Tier 1 risk-based capital ratio | 12.6289% | 4,344 |
| Total risk-based capital ratio | 13.8865% | 4,250 |
| Memoranda: | ||
| Average total assets | $126,623,000 | 4,360 |
| Average earning assets | $122,727,600 | 4,200 |
| Average equity | $13,669,200 | 4,410 |
| Average total loans | $109,891,200 | 3,678 |