Home > Arbor Bank > Performance and Condition Ratios
Arbor 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 | 5.1194% | 1,819 |
| Cost of funding earning assets | 1.4889% | 1,972 |
| Net interest margin | 3.6305% | 1,901 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.2447% | 783 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8145% | 2,824 |
| Return on assets (ROA) | 0.8256% | 2,765 |
| Pretax return on assets | 0.8503% | 3,092 |
| Return on Equity (ROE) | 9.0300% | 2,748 |
| Retained earnings to average equity (ytd only) | 1.2413% | 3,772 |
| Net charge-offs to loans | -0.0007% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7012% | 1,095 |
| Assets per employee ($millions) | 4.7396% | 3,812 |
| Cash dividends to net income (ytd only)* | 86.2548% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 2,945 |
| Loan loss allowance to noncurrent loans | 432.2204% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 2,196 |
| Noncurrent loans to loans | 0.2496% | 2,306 |
| Net loans and leases to total assets | 81.4500% | 483 |
| Net loans and leases to deposits | 94.1395% | 928 |
| Net loans and leases to core deposits | 102.8507% | 1,289 |
| Total domestic deposits to total assets | 86.5200% | 1,850 |
| Equity capital to assets | 9.1738% | 2,562 |
| Core capital (leverage) ratio | 9.6801% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6381% | 2,012 |
| Memoranda: | ||
| Average total assets | $566,623,600 | 1,562 |
| Average earning assets | $542,426,000 | 1,518 |
| Average equity | $51,801,200 | 1,564 |
| Average total loans | $457,713,000 | 1,331 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 1,663 |
| Cost of funding earning assets | 1.2376% | 2,309 |
| Net interest margin | 3.8443% | 1,508 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.3827% | 642 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8318% | 2,925 |
| Return on assets (ROA) | 0.8435% | 2,867 |
| Pretax return on assets | 0.8713% | 3,171 |
| Return on Equity (ROE) | 9.2400% | 2,863 |
| Retained earnings to average equity (ytd only) | -1.2352% | 4,272 |
| Net charge-offs to loans | -0.0006% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.7184% | 1,030 |
| Assets per employee ($millions) | 4.5076% | 3,935 |
| Cash dividends to net income (ytd only)* | 113.3745% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,060 |
| Loan loss allowance to noncurrent loans | 404.0189% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,179 |
| Noncurrent loans to loans | 0.2628% | 2,295 |
| Net loans and leases to total assets | 81.5400% | 475 |
| Net loans and leases to deposits | 92.9136% | 974 |
| Net loans and leases to core deposits | 102.2354% | 1,196 |
| Total domestic deposits to total assets | 87.7600% | 1,653 |
| Equity capital to assets | 8.6872% | 2,603 |
| Core capital (leverage) ratio | 9.6664% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4064% | 2,114 |
| Memoranda: | ||
| Average total assets | $562,535,500 | 1,572 |
| Average earning assets | $537,922,250 | 1,530 |
| Average equity | $51,381,250 | 1,561 |
| Average total loans | $452,139,000 | 1,335 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 1,647 |
| Cost of funding earning assets | 0.9877% | 2,645 |
| Net interest margin | 3.9638% | 1,306 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.4508% | 570 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8207% | 3,016 |
| Return on assets (ROA) | 0.8325% | 2,991 |
| Pretax return on assets | 0.8667% | 3,246 |
| Return on Equity (ROE) | 8.9600% | 2,995 |
| Retained earnings to average equity (ytd only) | -2.9414% | 4,339 |
| Net charge-offs to loans | 0.0032% | 2,214 |
| Credit loss provision to net charge-offs | 4,285.7143% | 123 |
| Earnings coverage of net charge-offs (x) | 381.4286% | 377 |
| Efficiency ratio | 78.1145% | 992 |
| Assets per employee ($millions) | 4.3090% | 4,051 |
| Cash dividends to net income (ytd only)* | 132.8281% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,054 |
| Loan loss allowance to noncurrent loans | 400.3223% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,095 |
| Noncurrent loans to loans | 0.2691% | 2,190 |
| Net loans and leases to total assets | 80.8300% | 542 |
| Net loans and leases to deposits | 92.0041% | 1,022 |
| Net loans and leases to core deposits | 95.6111% | 1,484 |
| Total domestic deposits to total assets | 87.8500% | 1,660 |
| Equity capital to assets | 9.0872% | 2,451 |
| Core capital (leverage) ratio | 9.9078% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0431% | 1,883 |
| Memoranda: | ||
| Average total assets | $554,717,667 | 1,594 |
| Average earning assets | $530,752,667 | 1,550 |
| Average equity | $51,539,667 | 1,562 |
| Average total loans | $441,876,333 | 1,340 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,630 |
| Cost of funding earning assets | 0.8205% | 2,654 |
| Net interest margin | 3.9758% | 1,313 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.3908% | 609 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.8766% | 2,936 |
| Return on assets (ROA) | 0.8766% | 2,889 |
| Pretax return on assets | 0.9043% | 3,227 |
| Return on Equity (ROE) | 9.3300% | 2,961 |
| Retained earnings to average equity (ytd only) | -6.9297% | 4,395 |
| Net charge-offs to loans | 0.0056% | 1,762 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 232.1667% | 460 |
| Efficiency ratio | 76.9243% | 1,086 |
| Assets per employee ($millions) | 4.5428% | 3,998 |
| Cash dividends to net income (ytd only)* | 174.2739% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,981 |
| Loan loss allowance to noncurrent loans | 562.9673% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,463 |
| Noncurrent loans to loans | 0.1980% | 2,483 |
| Net loans and leases to total assets | 75.2800% | 1,049 |
| Net loans and leases to deposits | 83.2042% | 1,552 |
| Net loans and leases to core deposits | 86.6680% | 1,826 |
| Total domestic deposits to total assets | 90.4800% | 985 |
| Equity capital to assets | 9.0795% | 2,452 |
| Core capital (leverage) ratio | 9.9491% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7966% | 1,684 |
| Memoranda: | ||
| Average total assets | $549,839,000 | 1,626 |
| Average earning assets | $524,572,500 | 1,582 |
| Average equity | $51,662,000 | 1,573 |
| Average total loans | $432,199,000 | 1,380 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 1,825 |
| Cost of funding earning assets | 0.2969% | 2,904 |
| Net interest margin | 3.6629% | 1,465 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 3.1553% | 770 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9116% | 2,911 |
| Return on assets (ROA) | 0.9233% | 2,816 |
| Pretax return on assets | 0.9532% | 3,214 |
| Return on Equity (ROE) | 10.6600% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,702 |
| Net charge-offs to loans | 0.2117% | 389 |
| Credit loss provision to net charge-offs | 133.9265% | 1,382 |
| Earnings coverage of net charge-offs (x) | 7.3571% | 2,305 |
| Efficiency ratio | 73.2055% | 1,297 |
| Assets per employee ($millions) | 4.4319% | 4,082 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 2,978 |
| Loan loss allowance to noncurrent loans | 1,706.2044% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,287 |
| Noncurrent loans to loans | 0.0634% | 3,291 |
| Net loans and leases to total assets | 80.3600% | 553 |
| Net loans and leases to deposits | 89.5071% | 1,086 |
| Net loans and leases to core deposits | 93.3559% | 1,327 |
| Total domestic deposits to total assets | 89.7900% | 1,453 |
| Equity capital to assets | 9.7336% | 1,865 |
| Core capital (leverage) ratio | 10.4295% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9410% | 1,648 |
| Memoranda: | ||
| Average total assets | $539,021,200 | 1,635 |
| Average earning assets | $505,286,200 | 1,615 |
| Average equity | $46,706,200 | 1,714 |
| Average total loans | $398,232,800 | 1,396 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 1,803 |
| Cost of funding earning assets | 0.2172% | 3,072 |
| Net interest margin | 3.5673% | 1,472 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 3.3100% | 589 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8291% | 3,138 |
| Return on assets (ROA) | 0.8456% | 3,056 |
| Pretax return on assets | 0.8740% | 3,403 |
| Return on Equity (ROE) | 10.0600% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.4623% | 3,645 |
| Net charge-offs to loans | 0.2938% | 224 |
| Credit loss provision to net charge-offs | 48.1956% | 1,528 |
| Earnings coverage of net charge-offs (x) | 4.5285% | 2,172 |
| Efficiency ratio | 77.4602% | 958 |
| Assets per employee ($millions) | 4.5946% | 3,984 |
| Cash dividends to net income (ytd only)* | 65.5977% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,741 |
| Loan loss allowance to noncurrent loans | 383.2847% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,316 |
| Noncurrent loans to loans | 0.2451% | 2,401 |
| Net loans and leases to total assets | 78.0300% | 701 |
| Net loans and leases to deposits | 86.3083% | 1,149 |
| Net loans and leases to core deposits | 89.7046% | 1,314 |
| Total domestic deposits to total assets | 90.4100% | 1,469 |
| Equity capital to assets | 9.2378% | 2,049 |
| Core capital (leverage) ratio | 10.0672% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6809% | 1,821 |
| Memoranda: | ||
| Average total assets | $540,820,000 | 1,642 |
| Average earning assets | $505,876,250 | 1,630 |
| Average equity | $45,441,250 | 1,763 |
| Average total loans | $389,772,250 | 1,414 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 2,035 |
| Cost of funding earning assets | 0.1780% | 3,205 |
| Net interest margin | 3.3538% | 1,745 |
| Noninterest income to average assets | 0.9462% | 757 |
| Noninterest expense to average assets | 3.2828% | 563 |
| Loan and lease loss provision to assets | 0.0729% | 1,320 |
| Net operating income to assets | 0.6815% | 3,373 |
| Return on assets (ROA) | 0.7059% | 3,244 |
| Pretax return on assets | 0.7372% | 3,486 |
| Return on Equity (ROE) | 8.6833% | 2,797 |
| Retained earnings to average equity (ytd only) | -1.5031% | 4,344 |
| Net charge-offs to loans | -0.0769% | 4,377 |
| Credit loss provision to net charge-offs | -135.6164% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6279% | 895 |
| Assets per employee ($millions) | 4.4875% | 4,079 |
| Cash dividends to net income (ytd only)* | 117.3097% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,549 |
| Loan loss allowance to noncurrent loans | 232.1236% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,492 |
| Noncurrent loans to loans | 0.5290% | 1,565 |
| Net loans and leases to total assets | 70.1118% | 1,290 |
| Net loans and leases to deposits | 79.2379% | 1,443 |
| Net loans and leases to core deposits | 80.4963% | 1,686 |
| Total domestic deposits to total assets | 88.4827% | 2,390 |
| Equity capital to assets | 9.1418% | 2,290 |
| Core capital (leverage) ratio | 9.4777% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5200% | 1,567 |
| Memoranda: | ||
| Average total assets | $543,435,667 | 1,644 |
| Average earning assets | $505,754,333 | 1,643 |
| Average equity | $44,176,667 | 1,857 |
| Average total loans | $379,748,333 | 1,441 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 2,148 |
| Cost of funding earning assets | 0.1839% | 3,031 |
| Net interest margin | 3.1958% | 1,896 |
| Noninterest income to average assets | 1.0080% | 667 |
| Noninterest expense to average assets | 3.3138% | 527 |
| Loan and lease loss provision to assets | 0.0728% | 1,135 |
| Net operating income to assets | 0.5421% | 3,588 |
| Return on assets (ROA) | 0.5908% | 3,403 |
| Pretax return on assets | 0.6129% | 3,598 |
| Return on Equity (ROE) | 7.7499% | 2,778 |
| Retained earnings to average equity (ytd only) | -8.3194% | 4,531 |
| Net charge-offs to loans | -0.0870% | 4,418 |
| Credit loss provision to net charge-offs | -120.7317% | 2,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8457% | 863 |
| Assets per employee ($millions) | 4.4881% | 4,140 |
| Cash dividends to net income (ytd only)* | 207.3474% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,717 |
| Loan loss allowance to noncurrent loans | 923.2323% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 3,188 |
| Noncurrent loans to loans | 0.1330% | 3,145 |
| Net loans and leases to total assets | 66.0302% | 1,406 |
| Net loans and leases to deposits | 73.1564% | 1,680 |
| Net loans and leases to core deposits | 74.1608% | 1,928 |
| Total domestic deposits to total assets | 90.2589% | 1,408 |
| Equity capital to assets | 7.1758% | 4,113 |
| Core capital (leverage) ratio | 7.8320% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9691% | 2,619 |
| Memoranda: | ||
| Average total assets | $543,658,500 | 1,654 |
| Average earning assets | $500,283,500 | 1,668 |
| Average equity | $41,445,500 | 1,994 |
| Average total loans | $376,906,000 | 1,438 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 1,057 |
| Cost of funding earning assets | 0.2828% | 2,572 |
| Net interest margin | 3.8801% | 869 |
| Noninterest income to average assets | 1.5735% | 460 |
| Noninterest expense to average assets | 3.7396% | 373 |
| Loan and lease loss provision to assets | 0.1145% | 1,097 |
| Net operating income to assets | 1.2016% | 1,918 |
| Return on assets (ROA) | 1.2016% | 1,968 |
| Pretax return on assets | 1.2604% | 2,483 |
| Return on Equity (ROE) | 15.1679% | 914 |
| Retained earnings to average equity (ytd only) | 15.1679% | 210 |
| Net charge-offs to loans | 0.0107% | 2,160 |
| Credit loss provision to net charge-offs | 1,400.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 168.1667% | 610 |
| Efficiency ratio | 73.0504% | 1,408 |
| Assets per employee ($millions) | 4.1795% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,127 |
| Loan loss allowance to noncurrent loans | 1,067.8832% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,411 |
| Noncurrent loans to loans | 0.1077% | 3,388 |
| Net loans and leases to total assets | 71.0972% | 915 |
| Net loans and leases to deposits | 82.2952% | 1,037 |
| Net loans and leases to core deposits | 83.5896% | 1,354 |
| Total domestic deposits to total assets | 86.3929% | 2,763 |
| Equity capital to assets | 8.0927% | 4,313 |
| Core capital (leverage) ratio | 8.1431% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0381% | 2,618 |
| Memoranda: | ||
| Average total assets | $513,744,600 | 1,667 |
| Average earning assets | $468,827,600 | 1,689 |
| Average equity | $40,697,800 | 2,060 |
| Average total loans | $392,150,000 | 1,402 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 879 |
| Cost of funding earning assets | 0.3016% | 2,577 |
| Net interest margin | 4.0502% | 714 |
| Noninterest income to average assets | 1.7023% | 438 |
| Noninterest expense to average assets | 3.6821% | 380 |
| Loan and lease loss provision to assets | 0.0911% | 1,314 |
| Net operating income to assets | 1.5694% | 1,102 |
| Return on assets (ROA) | 1.5694% | 1,151 |
| Pretax return on assets | 1.6259% | 1,623 |
| Return on Equity (ROE) | 19.9231% | 430 |
| Retained earnings to average equity (ytd only) | 19.9231% | 132 |
| Net charge-offs to loans | 0.0152% | 1,780 |
| Credit loss provision to net charge-offs | 773.3333% | 601 |
| Earnings coverage of net charge-offs (x) | 145.8000% | 690 |
| Efficiency ratio | 68.1353% | 1,808 |
| Assets per employee ($millions) | 4.0384% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,624 |
| Loan loss allowance to noncurrent loans | 1,208.7464% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,479 |
| Noncurrent loans to loans | 0.0876% | 3,644 |
| Net loans and leases to total assets | 74.9574% | 618 |
| Net loans and leases to deposits | 87.9446% | 718 |
| Net loans and leases to core deposits | 89.3997% | 1,068 |
| Total domestic deposits to total assets | 85.2325% | 3,036 |
| Equity capital to assets | 8.3119% | 4,333 |
| Core capital (leverage) ratio | 8.1673% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2242% | 2,639 |
| Memoranda: | ||
| Average total assets | $509,481,500 | 1,693 |
| Average earning assets | $465,019,750 | 1,716 |
| Average equity | $40,133,250 | 2,107 |
| Average total loans | $394,744,750 | 1,420 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 490 |
| Cost of funding earning assets | 0.3270% | 2,528 |
| Net interest margin | 4.4394% | 394 |
| Noninterest income to average assets | 1.7665% | 403 |
| Noninterest expense to average assets | 3.6864% | 375 |
| Loan and lease loss provision to assets | 0.1081% | 1,168 |
| Net operating income to assets | 1.9570% | 525 |
| Return on assets (ROA) | 1.9570% | 547 |
| Pretax return on assets | 2.0102% | 829 |
| Return on Equity (ROE) | 25.3183% | 179 |
| Retained earnings to average equity (ytd only) | 25.3183% | 68 |
| Net charge-offs to loans | 0.0238% | 1,472 |
| Credit loss provision to net charge-offs | 582.9787% | 636 |
| Earnings coverage of net charge-offs (x) | 114.2553% | 691 |
| Efficiency ratio | 63.4455% | 2,504 |
| Assets per employee ($millions) | 4.0889% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,638 |
| Loan loss allowance to noncurrent loans | 853.2495% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 3,451 |
| Noncurrent loans to loans | 0.1228% | 3,577 |
| Net loans and leases to total assets | 74.0351% | 750 |
| Net loans and leases to deposits | 86.7624% | 860 |
| Net loans and leases to core deposits | 88.3393% | 1,250 |
| Total domestic deposits to total assets | 85.3309% | 2,974 |
| Equity capital to assets | 8.2370% | 4,406 |
| Core capital (leverage) ratio | 8.0513% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6408% | 2,499 |
| Memoranda: | ||
| Average total assets | $507,002,333 | 1,688 |
| Average earning assets | $461,189,333 | 1,719 |
| Average equity | $39,189,000 | 2,129 |
| Average total loans | $395,788,000 | 1,428 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 1,659 |
| Cost of funding earning assets | 0.3524% | 2,500 |
| Net interest margin | 3.6165% | 1,537 |
| Noninterest income to average assets | 1.6915% | 497 |
| Noninterest expense to average assets | 3.5467% | 439 |
| Loan and lease loss provision to assets | 0.1294% | 1,058 |
| Net operating income to assets | 1.2834% | 1,877 |
| Return on assets (ROA) | 1.2834% | 1,948 |
| Pretax return on assets | 1.3098% | 2,542 |
| Return on Equity (ROE) | 17.1888% | 821 |
| Retained earnings to average equity (ytd only) | 17.1888% | 411 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0716% | 1,600 |
| Assets per employee ($millions) | 4.3436% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,968 |
| Loan loss allowance to noncurrent loans | 123.1929% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 1,447 |
| Noncurrent loans to loans | 0.7865% | 1,677 |
| Net loans and leases to total assets | 79.1910% | 385 |
| Net loans and leases to deposits | 92.2279% | 585 |
| Net loans and leases to core deposits | 93.7851% | 996 |
| Total domestic deposits to total assets | 85.8645% | 2,787 |
| Equity capital to assets | 7.6381% | 4,660 |
| Core capital (leverage) ratio | 7.7059% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5639% | 2,801 |
| Memoranda: | ||
| Average total assets | $500,858,500 | 1,692 |
| Average earning assets | $456,240,000 | 1,725 |
| Average equity | $37,396,500 | 2,185 |
| Average total loans | $399,418,500 | 1,413 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 833 |
| Cost of funding earning assets | 0.6389% | 2,066 |
| Net interest margin | 4.0976% | 787 |
| Noninterest income to average assets | 1.9270% | 350 |
| Noninterest expense to average assets | 4.1587% | 324 |
| Loan and lease loss provision to assets | 0.2202% | 1,776 |
| Net operating income to assets | 1.3063% | 1,233 |
| Return on assets (ROA) | 1.3072% | 1,332 |
| Pretax return on assets | 1.3441% | 1,839 |
| Return on Equity (ROE) | 17.3773% | 379 |
| Retained earnings to average equity (ytd only) | 14.4223% | 176 |
| Net charge-offs to loans | 0.0337% | 2,370 |
| Credit loss provision to net charge-offs | 769.9187% | 932 |
| Earnings coverage of net charge-offs (x) | 54.6667% | 1,126 |
| Efficiency ratio | 72.6046% | 1,616 |
| Assets per employee ($millions) | 4.1796% | 4,227 |
| Cash dividends to net income (ytd only)* | 17.0046% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,879 |
| Loan loss allowance to noncurrent loans | 144.4737% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 1,832 |
| Noncurrent loans to loans | 0.6900% | 1,963 |
| Net loans and leases to total assets | 78.7206% | 523 |
| Net loans and leases to deposits | 92.0782% | 770 |
| Net loans and leases to core deposits | 94.0122% | 1,248 |
| Total domestic deposits to total assets | 85.4932% | 2,577 |
| Equity capital to assets | 7.2835% | 4,878 |
| Core capital (leverage) ratio | 7.3200% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9976% | 2,920 |
| Memoranda: | ||
| Average total assets | $430,089,600 | 1,767 |
| Average earning assets | $398,330,800 | 1,773 |
| Average equity | $32,352,600 | 2,371 |
| Average total loans | $364,478,200 | 1,466 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 1,506 |
| Cost of funding earning assets | 0.6888% | 2,096 |
| Net interest margin | 3.8408% | 1,501 |
| Noninterest income to average assets | 1.7732% | 379 |
| Noninterest expense to average assets | 3.8644% | 426 |
| Loan and lease loss provision to assets | 0.1073% | 2,979 |
| Net operating income to assets | 1.3560% | 1,213 |
| Return on assets (ROA) | 1.3573% | 1,314 |
| Pretax return on assets | 1.3916% | 1,764 |
| Return on Equity (ROE) | 17.8786% | 370 |
| Retained earnings to average equity (ytd only) | 13.8465% | 261 |
| Net charge-offs to loans | 0.0126% | 2,657 |
| Credit loss provision to net charge-offs | 985.2941% | 837 |
| Earnings coverage of net charge-offs (x) | 137.5588% | 643 |
| Efficiency ratio | 71.9933% | 1,643 |
| Assets per employee ($millions) | 4.1555% | 4,187 |
| Cash dividends to net income (ytd only)* | 22.5525% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,240 |
| Loan loss allowance to noncurrent loans | 270.3583% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 2,987 |
| Noncurrent loans to loans | 0.3124% | 3,165 |
| Net loans and leases to total assets | 83.7349% | 302 |
| Net loans and leases to deposits | 98.5475% | 595 |
| Net loans and leases to core deposits | 100.8746% | 1,100 |
| Total domestic deposits to total assets | 84.9691% | 2,449 |
| Equity capital to assets | 7.2993% | 4,907 |
| Core capital (leverage) ratio | 7.2179% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8903% | 2,938 |
| Memoranda: | ||
| Average total assets | $416,403,500 | 1,791 |
| Average earning assets | $389,072,750 | 1,783 |
| Average equity | $31,612,500 | 2,396 |
| Average total loans | $359,221,000 | 1,477 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 1,706 |
| Cost of funding earning assets | 0.7683% | 2,004 |
| Net interest margin | 3.8072% | 1,819 |
| Noninterest income to average assets | 1.4113% | 531 |
| Noninterest expense to average assets | 3.7909% | 508 |
| Loan and lease loss provision to assets | 0.1120% | 2,892 |
| Net operating income to assets | 1.0509% | 2,143 |
| Return on assets (ROA) | 1.0528% | 2,269 |
| Pretax return on assets | 1.0878% | 2,748 |
| Return on Equity (ROE) | 13.6638% | 943 |
| Retained earnings to average equity (ytd only) | 7.4612% | 1,475 |
| Net charge-offs to loans | 0.0270% | 2,181 |
| Credit loss provision to net charge-offs | 476.5957% | 1,271 |
| Earnings coverage of net charge-offs (x) | 50.9787% | 1,090 |
| Efficiency ratio | 75.8994% | 1,275 |
| Assets per employee ($millions) | 4.3570% | 3,947 |
| Cash dividends to net income (ytd only)* | 45.3941% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 4,323 |
| Loan loss allowance to noncurrent loans | 247.3684% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 3,041 |
| Noncurrent loans to loans | 0.3271% | 3,218 |
| Net loans and leases to total assets | 87.2923% | 86 |
| Net loans and leases to deposits | 104.7603% | 353 |
| Net loans and leases to core deposits | 110.7509% | 710 |
| Total domestic deposits to total assets | 83.3257% | 2,990 |
| Equity capital to assets | 7.0864% | 4,961 |
| Core capital (leverage) ratio | 7.2357% | 4,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3554% | 3,113 |
| Memoranda: | ||
| Average total assets | $400,066,667 | 1,816 |
| Average earning assets | $375,918,333 | 1,802 |
| Average equity | $30,826,000 | 2,422 |
| Average total loans | $347,950,000 | 1,495 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 1,633 |
| Cost of funding earning assets | 0.9038% | 1,844 |
| Net interest margin | 3.8217% | 1,895 |
| Noninterest income to average assets | 1.2307% | 581 |
| Noninterest expense to average assets | 3.7784% | 644 |
| Loan and lease loss provision to assets | 0.1192% | 2,201 |
| Net operating income to assets | 0.8912% | 2,552 |
| Return on assets (ROA) | 0.8954% | 2,643 |
| Pretax return on assets | 0.9209% | 3,079 |
| Return on Equity (ROE) | 11.0884% | 1,387 |
| Retained earnings to average equity (ytd only) | 4.5224% | 2,491 |
| Net charge-offs to loans | 0.0727% | 1,299 |
| Credit loss provision to net charge-offs | 189.8305% | 1,449 |
| Earnings coverage of net charge-offs (x) | 16.4915% | 1,527 |
| Efficiency ratio | 78.3945% | 1,290 |
| Assets per employee ($millions) | 4.1106% | 3,771 |
| Cash dividends to net income (ytd only)* | 59.2152% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,025 |
| Loan loss allowance to noncurrent loans | 440.7461% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,614 |
| Noncurrent loans to loans | 0.2095% | 3,727 |
| Net loans and leases to total assets | 85.2878% | 184 |
| Net loans and leases to deposits | 106.6839% | 269 |
| Net loans and leases to core deposits | 119.1357% | 495 |
| Total domestic deposits to total assets | 79.9444% | 3,875 |
| Equity capital to assets | 7.8866% | 4,993 |
| Core capital (leverage) ratio | 8.2238% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8254% | 3,350 |
| Memoranda: | ||
| Average total assets | $375,712,500 | 1,870 |
| Average earning assets | $352,300,500 | 1,843 |
| Average equity | $30,338,000 | 2,433 |
| Average total loans | $324,454,000 | 1,540 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 1,222 |
| Cost of funding earning assets | 1.0643% | 1,452 |
| Net interest margin | 4.0320% | 1,742 |
| Noninterest income to average assets | 1.4198% | 470 |
| Noninterest expense to average assets | 3.9660% | 550 |
| Loan and lease loss provision to assets | 0.1813% | 1,142 |
| Net operating income to assets | 1.0689% | 2,583 |
| Return on assets (ROA) | 1.0855% | 2,596 |
| Pretax return on assets | 1.1295% | 3,080 |
| Return on Equity (ROE) | 13.0905% | 1,141 |
| Retained earnings to average equity (ytd only) | 7.3138% | 1,249 |
| Net charge-offs to loans | 0.1559% | 1,287 |
| Credit loss provision to net charge-offs | 134.3284% | 1,905 |
| Earnings coverage of net charge-offs (x) | 9.5864% | 2,648 |
| Efficiency ratio | 75.3077% | 1,445 |
| Assets per employee ($millions) | 3.7631% | 4,200 |
| Cash dividends to net income (ytd only)* | 44.1293% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,726 |
| Loan loss allowance to noncurrent loans | 166.0616% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 2,289 |
| Noncurrent loans to loans | 0.5748% | 2,468 |
| Net loans and leases to total assets | 85.8201% | 176 |
| Net loans and leases to deposits | 100.7228% | 546 |
| Net loans and leases to core deposits | 113.9494% | 673 |
| Total domestic deposits to total assets | 85.2043% | 2,421 |
| Equity capital to assets | 8.2740% | 4,986 |
| Core capital (leverage) ratio | 8.3568% | 4,923 |
| Tier 1 risk-based capital ratio | 10.1306% | 5,104 |
| Total risk-based capital ratio | 11.1494% | 5,096 |
| Memoranda: | ||
| Average total assets | $347,582,400 | 1,916 |
| Average earning assets | $331,005,200 | 1,875 |
| Average equity | $28,822,400 | 2,458 |
| Average total loans | $300,749,600 | 1,597 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 1,175 |
| Cost of funding earning assets | 1.0640% | 1,490 |
| Net interest margin | 4.0768% | 1,681 |
| Noninterest income to average assets | 1.3383% | 523 |
| Noninterest expense to average assets | 3.7903% | 668 |
| Loan and lease loss provision to assets | 0.1942% | 912 |
| Net operating income to assets | 1.1962% | 2,201 |
| Return on assets (ROA) | 1.2186% | 2,206 |
| Pretax return on assets | 1.2648% | 2,770 |
| Return on Equity (ROE) | 14.6872% | 852 |
| Retained earnings to average equity (ytd only) | 6.8918% | 1,918 |
| Net charge-offs to loans | 0.2129% | 830 |
| Credit loss provision to net charge-offs | 105.4852% | 2,156 |
| Earnings coverage of net charge-offs (x) | 7.7975% | 2,713 |
| Efficiency ratio | 72.4299% | 1,774 |
| Assets per employee ($millions) | 3.7464% | 4,224 |
| Cash dividends to net income (ytd only)* | 53.0761% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,889 |
| Loan loss allowance to noncurrent loans | 407.9208% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,610 |
| Noncurrent loans to loans | 0.2296% | 3,723 |
| Net loans and leases to total assets | 86.6212% | 157 |
| Net loans and leases to deposits | 101.6007% | 523 |
| Net loans and leases to core deposits | 115.4384% | 681 |
| Total domestic deposits to total assets | 85.2565% | 2,318 |
| Equity capital to assets | 8.3987% | 5,035 |
| Core capital (leverage) ratio | 8.3845% | 4,991 |
| Tier 1 risk-based capital ratio | 9.6809% | 5,220 |
| Total risk-based capital ratio | 10.6313% | 5,228 |
| Memoranda: | ||
| Average total assets | $343,221,750 | 1,944 |
| Average earning assets | $327,306,750 | 1,905 |
| Average equity | $28,477,500 | 2,490 |
| Average total loans | $296,866,000 | 1,627 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 1,128 |
| Cost of funding earning assets | 1.0481% | 1,502 |
| Net interest margin | 4.0924% | 1,631 |
| Noninterest income to average assets | 1.1057% | 697 |
| Noninterest expense to average assets | 3.6474% | 805 |
| Loan and lease loss provision to assets | 0.1352% | 1,373 |
| Net operating income to assets | 1.1687% | 2,263 |
| Return on assets (ROA) | 1.1868% | 2,260 |
| Pretax return on assets | 1.2368% | 2,797 |
| Return on Equity (ROE) | 14.3645% | 903 |
| Retained earnings to average equity (ytd only) | 2.5186% | 3,937 |
| Net charge-offs to loans | 0.0443% | 2,012 |
| Credit loss provision to net charge-offs | 353.8462% | 799 |
| Earnings coverage of net charge-offs (x) | 35.4154% | 1,327 |
| Efficiency ratio | 72.8341% | 1,801 |
| Assets per employee ($millions) | 3.8951% | 4,004 |
| Cash dividends to net income (ytd only)* | 82.4666% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,618 |
| Loan loss allowance to noncurrent loans | 225.7655% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 2,955 |
| Noncurrent loans to loans | 0.4430% | 2,943 |
| Net loans and leases to total assets | 86.3245% | 191 |
| Net loans and leases to deposits | 99.3022% | 730 |
| Net loans and leases to core deposits | 114.5407% | 755 |
| Total domestic deposits to total assets | 86.9311% | 1,628 |
| Equity capital to assets | 8.2074% | 5,139 |
| Core capital (leverage) ratio | 8.2033% | 5,109 |
| Tier 1 risk-based capital ratio | 9.6140% | 5,265 |
| Total risk-based capital ratio | 10.6425% | 5,270 |
| Memoranda: | ||
| Average total assets | $340,242,000 | 1,963 |
| Average earning assets | $323,822,000 | 1,932 |
| Average equity | $28,111,000 | 2,504 |
| Average total loans | $293,178,000 | 1,645 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 911 |
| Cost of funding earning assets | 1.0182% | 1,487 |
| Net interest margin | 4.1828% | 1,339 |
| Noninterest income to average assets | 1.0124% | 781 |
| Noninterest expense to average assets | 3.5130% | 954 |
| Loan and lease loss provision to assets | 0.1068% | 1,670 |
| Net operating income to assets | 1.3209% | 1,622 |
| Return on assets (ROA) | 1.3209% | 1,666 |
| Pretax return on assets | 1.3660% | 2,209 |
| Return on Equity (ROE) | 15.9339% | 597 |
| Retained earnings to average equity (ytd only) | 6.6284% | 2,189 |
| Net charge-offs to loans | -0.0014% | 3,825 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3642% | 2,281 |
| Assets per employee ($millions) | 3.9815% | 3,951 |
| Cash dividends to net income (ytd only)* | 58.4007% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,702 |
| Loan loss allowance to noncurrent loans | 131.3586% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 2,131 |
| Noncurrent loans to loans | 0.7619% | 2,125 |
| Net loans and leases to total assets | 85.1902% | 259 |
| Net loans and leases to deposits | 97.6709% | 815 |
| Net loans and leases to core deposits | 111.9577% | 832 |
| Total domestic deposits to total assets | 87.2217% | 1,703 |
| Equity capital to assets | 8.2740% | 5,095 |
| Core capital (leverage) ratio | 8.5745% | 4,965 |
| Tier 1 risk-based capital ratio | 9.8292% | 5,306 |
| Total risk-based capital ratio | 10.8513% | 5,304 |
| Memoranda: | ||
| Average total assets | $337,031,000 | 1,989 |
| Average earning assets | $320,168,500 | 1,959 |
| Average equity | $27,940,500 | 2,522 |
| Average total loans | $288,627,500 | 1,673 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 1,490 |
| Cost of funding earning assets | 0.8721% | 1,205 |
| Net interest margin | 3.9516% | 2,153 |
| Noninterest income to average assets | 1.0461% | 864 |
| Noninterest expense to average assets | 3.6033% | 868 |
| Loan and lease loss provision to assets | 0.0952% | 2,252 |
| Net operating income to assets | 1.0730% | 2,708 |
| Return on assets (ROA) | 1.0730% | 2,693 |
| Pretax return on assets | 1.1058% | 3,244 |
| Return on Equity (ROE) | 13.3271% | 1,224 |
| Retained earnings to average equity (ytd only) | 7.9203% | 1,273 |
| Net charge-offs to loans | 0.0070% | 3,438 |
| Credit loss provision to net charge-offs | 1,605.2632% | 265 |
| Earnings coverage of net charge-offs (x) | 202.4211% | 453 |
| Efficiency ratio | 74.8846% | 1,510 |
| Assets per employee ($millions) | 3.8121% | 4,163 |
| Cash dividends to net income (ytd only)* | 40.5704% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,610 |
| Loan loss allowance to noncurrent loans | 187.6559% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 2,729 |
| Noncurrent loans to loans | 0.5389% | 2,659 |
| Net loans and leases to total assets | 84.3499% | 385 |
| Net loans and leases to deposits | 98.2882% | 873 |
| Net loans and leases to core deposits | 110.6620% | 962 |
| Total domestic deposits to total assets | 85.8189% | 2,318 |
| Equity capital to assets | 8.3069% | 5,045 |
| Core capital (leverage) ratio | 8.4963% | 5,033 |
| Tier 1 risk-based capital ratio | 10.0943% | 5,281 |
| Total risk-based capital ratio | 11.1285% | 5,290 |
| Memoranda: | ||
| Average total assets | $320,234,600 | 2,041 |
| Average earning assets | $304,558,400 | 1,997 |
| Average equity | $25,782,000 | 2,583 |
| Average total loans | $271,968,000 | 1,714 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,585 |
| Cost of funding earning assets | 0.8241% | 1,221 |
| Net interest margin | 3.9109% | 2,258 |
| Noninterest income to average assets | 1.0154% | 930 |
| Noninterest expense to average assets | 3.5225% | 957 |
| Loan and lease loss provision to assets | 0.0966% | 2,046 |
| Net operating income to assets | 1.0885% | 2,717 |
| Return on assets (ROA) | 1.0885% | 2,726 |
| Pretax return on assets | 1.1225% | 3,306 |
| Return on Equity (ROE) | 13.6329% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.2982% | 2,492 |
| Net charge-offs to loans | 0.0109% | 3,031 |
| Credit loss provision to net charge-offs | 1,045.4545% | 407 |
| Earnings coverage of net charge-offs (x) | 131.9209% | 616 |
| Efficiency ratio | 74.1738% | 1,564 |
| Assets per employee ($millions) | 3.9226% | 4,015 |
| Cash dividends to net income (ytd only)* | 53.8016% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,843 |
| Loan loss allowance to noncurrent loans | 175.6159% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,747 |
| Noncurrent loans to loans | 0.5627% | 2,694 |
| Net loans and leases to total assets | 85.5486% | 306 |
| Net loans and leases to deposits | 101.7636% | 667 |
| Net loans and leases to core deposits | 112.6898% | 884 |
| Total domestic deposits to total assets | 84.0659% | 2,920 |
| Equity capital to assets | 8.1337% | 5,119 |
| Core capital (leverage) ratio | 8.3389% | 5,182 |
| Tier 1 risk-based capital ratio | 9.8673% | 5,401 |
| Total risk-based capital ratio | 10.8817% | 5,404 |
| Memoranda: | ||
| Average total assets | $317,380,000 | 2,075 |
| Average earning assets | $302,396,000 | 2,024 |
| Average equity | $25,340,000 | 2,633 |
| Average total loans | $269,308,250 | 1,735 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,657 |
| Cost of funding earning assets | 0.7763% | 1,252 |
| Net interest margin | 3.8679% | 2,324 |
| Noninterest income to average assets | 0.9356% | 1,087 |
| Noninterest expense to average assets | 3.4941% | 1,003 |
| Loan and lease loss provision to assets | 0.0985% | 1,966 |
| Net operating income to assets | 0.9897% | 3,066 |
| Return on assets (ROA) | 0.9897% | 3,071 |
| Pretax return on assets | 1.0234% | 3,588 |
| Return on Equity (ROE) | 12.4761% | 1,552 |
| Retained earnings to average equity (ytd only) | 1.3061% | 4,685 |
| Net charge-offs to loans | 0.0196% | 2,497 |
| Credit loss provision to net charge-offs | 596.1538% | 631 |
| Earnings coverage of net charge-offs (x) | 67.8846% | 927 |
| Efficiency ratio | 75.5715% | 1,485 |
| Assets per employee ($millions) | 3.8500% | 4,132 |
| Cash dividends to net income (ytd only)* | 89.5311% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,859 |
| Loan loss allowance to noncurrent loans | 175.6177% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 2,806 |
| Noncurrent loans to loans | 0.5679% | 2,713 |
| Net loans and leases to total assets | 84.9319% | 364 |
| Net loans and leases to deposits | 101.6607% | 686 |
| Net loans and leases to core deposits | 112.7676% | 850 |
| Total domestic deposits to total assets | 83.5446% | 3,238 |
| Equity capital to assets | 8.0944% | 5,193 |
| Core capital (leverage) ratio | 8.2184% | 5,252 |
| Tier 1 risk-based capital ratio | 9.8603% | 5,453 |
| Total risk-based capital ratio | 10.8843% | 5,455 |
| Memoranda: | ||
| Average total assets | $314,649,000 | 2,098 |
| Average earning assets | $299,383,670 | 2,051 |
| Average equity | $24,959,670 | 2,667 |
| Average total loans | $265,310,000 | 1,761 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,759 |
| Cost of funding earning assets | 0.7505% | 1,188 |
| Net interest margin | 3.7847% | 2,483 |
| Noninterest income to average assets | 0.8264% | 1,373 |
| Noninterest expense to average assets | 3.4865% | 1,027 |
| Loan and lease loss provision to assets | 0.1031% | 1,800 |
| Net operating income to assets | 0.8035% | 3,686 |
| Return on assets (ROA) | 0.8035% | 3,698 |
| Pretax return on assets | 0.8264% | 4,090 |
| Return on Equity (ROE) | 10.2342% | 2,319 |
| Retained earnings to average equity (ytd only) | -6.5200% | 5,267 |
| Net charge-offs to loans | -0.0030% | 3,876 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8351% | 1,277 |
| Assets per employee ($millions) | 3.6307% | 4,502 |
| Cash dividends to net income (ytd only)* | 163.7084% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,945 |
| Loan loss allowance to noncurrent loans | 147.0914% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,634 |
| Noncurrent loans to loans | 0.6809% | 2,510 |
| Net loans and leases to total assets | 82.1370% | 650 |
| Net loans and leases to deposits | 95.5549% | 1,079 |
| Net loans and leases to core deposits | 119.0595% | 610 |
| Total domestic deposits to total assets | 85.9579% | 2,564 |
| Equity capital to assets | 7.8440% | 5,313 |
| Core capital (leverage) ratio | 8.1787% | 5,327 |
| Tier 1 risk-based capital ratio | 9.8515% | 5,528 |
| Total risk-based capital ratio | 10.8798% | 5,527 |
| Memoranda: | ||
| Average total assets | $314,123,000 | 2,115 |
| Average earning assets | $297,935,000 | 2,076 |
| Average equity | $24,662,500 | 2,710 |
| Average total loans | $262,549,000 | 1,785 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,757 |
| Cost of funding earning assets | 0.5904% | 1,671 |
| Net interest margin | 3.8960% | 2,099 |
| Noninterest income to average assets | 1.0440% | 932 |
| Noninterest expense to average assets | 3.7492% | 738 |
| Loan and lease loss provision to assets | 0.0746% | 2,710 |
| Net operating income to assets | 0.8627% | 2,906 |
| Return on assets (ROA) | 0.8662% | 2,904 |
| Pretax return on assets | 0.9113% | 3,878 |
| Return on Equity (ROE) | 10.8165% | 1,548 |
| Retained earnings to average equity (ytd only) | 2.3345% | 3,926 |
| Net charge-offs to loans | 0.1116% | 1,948 |
| Credit loss provision to net charge-offs | 80.0000% | 2,940 |
| Earnings coverage of net charge-offs (x) | 10.5273% | 2,663 |
| Efficiency ratio | 79.2112% | 1,198 |
| Assets per employee ($millions) | 3.4690% | 4,741 |
| Cash dividends to net income (ytd only)* | 78.4175% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 4,008 |
| Loan loss allowance to noncurrent loans | 196.1861% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,165 |
| Noncurrent loans to loans | 0.5042% | 3,008 |
| Net loans and leases to total assets | 83.3835% | 506 |
| Net loans and leases to deposits | 99.5788% | 766 |
| Net loans and leases to core deposits | 130.6464% | 322 |
| Total domestic deposits to total assets | 83.7363% | 3,300 |
| Equity capital to assets | 7.8587% | 5,438 |
| Core capital (leverage) ratio | 7.9841% | 5,447 |
| Tier 1 risk-based capital ratio | 9.6402% | 5,586 |
| Total risk-based capital ratio | 10.6591% | 5,594 |
| Memoranda: | ||
| Average total assets | $294,731,800 | 2,195 |
| Average earning assets | $278,954,200 | 2,163 |
| Average equity | $23,602,800 | 2,796 |
| Average total loans | $246,410,200 | 1,838 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,816 |
| Cost of funding earning assets | 0.5587% | 1,822 |
| Net interest margin | 3.8832% | 2,094 |
| Noninterest income to average assets | 0.9829% | 1,064 |
| Noninterest expense to average assets | 3.5998% | 872 |
| Loan and lease loss provision to assets | 0.0343% | 3,436 |
| Net operating income to assets | 0.9717% | 2,679 |
| Return on assets (ROA) | 0.9765% | 2,716 |
| Pretax return on assets | 1.0260% | 3,583 |
| Return on Equity (ROE) | 12.1340% | 1,301 |
| Retained earnings to average equity (ytd only) | 0.7509% | 5,047 |
| Net charge-offs to loans | 0.0165% | 3,189 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 76.8315% | 837 |
| Efficiency ratio | 77.3308% | 1,419 |
| Assets per employee ($millions) | 3.7146% | 4,427 |
| Cash dividends to net income (ytd only)* | 93.8114% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,824 |
| Loan loss allowance to noncurrent loans | 165.2443% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 2,638 |
| Noncurrent loans to loans | 0.6314% | 2,812 |
| Net loans and leases to total assets | 84.2211% | 413 |
| Net loans and leases to deposits | 99.9976% | 746 |
| Net loans and leases to core deposits | 129.4299% | 350 |
| Total domestic deposits to total assets | 84.2231% | 3,032 |
| Equity capital to assets | 7.9453% | 5,532 |
| Core capital (leverage) ratio | 7.9177% | 5,541 |
| Tier 1 risk-based capital ratio | 9.5881% | 5,664 |
| Total risk-based capital ratio | 10.6623% | 5,663 |
| Memoranda: | ||
| Average total assets | $291,229,250 | 2,227 |
| Average earning assets | $275,400,250 | 2,196 |
| Average equity | $23,437,750 | 2,838 |
| Average total loans | $243,009,750 | 1,870 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 1,988 |
| Cost of funding earning assets | 0.5128% | 2,072 |
| Net interest margin | 3.8311% | 2,170 |
| Noninterest income to average assets | 0.9187% | 1,215 |
| Noninterest expense to average assets | 3.5374% | 954 |
| Loan and lease loss provision to assets | 0.0312% | 3,374 |
| Net operating income to assets | 0.9101% | 2,861 |
| Return on assets (ROA) | 0.9173% | 2,874 |
| Pretax return on assets | 0.9736% | 3,672 |
| Return on Equity (ROE) | 11.3480% | 1,514 |
| Retained earnings to average equity (ytd only) | -1.7868% | 5,328 |
| Net charge-offs to loans | 0.0142% | 2,964 |
| Credit loss provision to net charge-offs | 264.7059% | 1,043 |
| Earnings coverage of net charge-offs (x) | 84.4706% | 740 |
| Efficiency ratio | 78.0092% | 1,460 |
| Assets per employee ($millions) | 3.7267% | 4,399 |
| Cash dividends to net income (ytd only)* | 115.7456% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,794 |
| Loan loss allowance to noncurrent loans | 226.7293% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 3,160 |
| Noncurrent loans to loans | 0.4675% | 3,339 |
| Net loans and leases to total assets | 83.1246% | 535 |
| Net loans and leases to deposits | 103.5175% | 525 |
| Net loans and leases to core deposits | 129.1412% | 323 |
| Total domestic deposits to total assets | 80.3001% | 4,350 |
| Equity capital to assets | 7.8468% | 5,590 |
| Core capital (leverage) ratio | 7.9587% | 5,550 |
| Tier 1 risk-based capital ratio | 9.5299% | 5,707 |
| Total risk-based capital ratio | 10.6154% | 5,710 |
| Memoranda: | ||
| Average total assets | $288,011,330 | 2,250 |
| Average earning assets | $271,827,330 | 2,223 |
| Average equity | $23,281,670 | 2,850 |
| Average total loans | $238,653,330 | 1,898 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 2,210 |
| Cost of funding earning assets | 0.4479% | 2,542 |
| Net interest margin | 3.7724% | 2,212 |
| Noninterest income to average assets | 0.8044% | 1,536 |
| Noninterest expense to average assets | 3.6176% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7159% | 3,632 |
| Return on assets (ROA) | 0.7309% | 3,605 |
| Pretax return on assets | 0.7620% | 4,238 |
| Return on Equity (ROE) | 8.9040% | 2,464 |
| Retained earnings to average equity (ytd only) | -6.3551% | 5,455 |
| Net charge-offs to loans | -0.0103% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8960% | 1,077 |
| Assets per employee ($millions) | 3.6556% | 4,566 |
| Cash dividends to net income (ytd only)* | 171.3733% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,628 |
| Loan loss allowance to noncurrent loans | 341.0622% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,074 |
| Noncurrent loans to loans | 0.3267% | 3,951 |
| Net loans and leases to total assets | 80.9135% | 707 |
| Net loans and leases to deposits | 95.7449% | 955 |
| Net loans and leases to core deposits | 119.4883% | 473 |
| Total domestic deposits to total assets | 84.5095% | 3,291 |
| Equity capital to assets | 7.9890% | 5,524 |
| Core capital (leverage) ratio | 8.3470% | 5,345 |
| Tier 1 risk-based capital ratio | 9.9405% | 5,711 |
| Total risk-based capital ratio | 11.0712% | 5,709 |
| Memoranda: | ||
| Average total assets | $282,950,500 | 2,303 |
| Average earning assets | $266,994,500 | 2,265 |
| Average equity | $23,225,500 | 2,864 |
| Average total loans | $232,741,500 | 1,940 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,142 |
| Cost of funding earning assets | 0.5298% | 1,869 |
| Net interest margin | 3.7686% | 2,436 |
| Noninterest income to average assets | 1.0804% | 967 |
| Noninterest expense to average assets | 3.7029% | 880 |
| Loan and lease loss provision to assets | 0.0531% | 3,322 |
| Net operating income to assets | 0.8289% | 3,166 |
| Return on assets (ROA) | 0.8317% | 3,259 |
| Pretax return on assets | 0.8646% | 3,959 |
| Return on Equity (ROE) | 10.0690% | 1,929 |
| Retained earnings to average equity (ytd only) | 3.9815% | 3,084 |
| Net charge-offs to loans | -0.0143% | 5,037 |
| Credit loss provision to net charge-offs | -453.1250% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1888% | 1,398 |
| Assets per employee ($millions) | 3.4638% | 4,814 |
| Cash dividends to net income (ytd only)* | 60.4579% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,453 |
| Loan loss allowance to noncurrent loans | 119.0304% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 2,330 |
| Noncurrent loans to loans | 0.9630% | 2,161 |
| Net loans and leases to total assets | 81.7553% | 639 |
| Net loans and leases to deposits | 98.4294% | 785 |
| Net loans and leases to core deposits | 117.5657% | 558 |
| Total domestic deposits to total assets | 83.0599% | 3,747 |
| Equity capital to assets | 8.4369% | 5,318 |
| Core capital (leverage) ratio | 8.6017% | 5,169 |
| Tier 1 risk-based capital ratio | 10.4321% | 5,601 |
| Total risk-based capital ratio | 11.5974% | 5,580 |
| Memoranda: | ||
| Average total assets | $273,059,200 | 2,339 |
| Average earning assets | $256,300,000 | 2,310 |
| Average equity | $22,554,400 | 2,940 |
| Average total loans | $223,174,800 | 1,957 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,186 |
| Cost of funding earning assets | 0.5293% | 1,884 |
| Net interest margin | 3.7614% | 2,485 |
| Noninterest income to average assets | 1.0434% | 1,045 |
| Noninterest expense to average assets | 3.5753% | 1,033 |
| Loan and lease loss provision to assets | 0.0711% | 2,789 |
| Net operating income to assets | 0.8951% | 2,931 |
| Return on assets (ROA) | 0.8988% | 3,051 |
| Pretax return on assets | 0.9327% | 3,869 |
| Return on Equity (ROE) | 10.9417% | 1,690 |
| Retained earnings to average equity (ytd only) | 2.7503% | 4,248 |
| Net charge-offs to loans | 0.0223% | 3,235 |
| Credit loss provision to net charge-offs | 391.8919% | 850 |
| Earnings coverage of net charge-offs (x) | 55.1374% | 1,009 |
| Efficiency ratio | 78.1468% | 1,672 |
| Assets per employee ($millions) | 3.6894% | 4,496 |
| Cash dividends to net income (ytd only)* | 74.8637% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,756 |
| Loan loss allowance to noncurrent loans | 107.6599% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 2,406 |
| Noncurrent loans to loans | 1.0358% | 2,170 |
| Net loans and leases to total assets | 80.8977% | 772 |
| Net loans and leases to deposits | 97.4825% | 902 |
| Net loans and leases to core deposits | 118.3379% | 564 |
| Total domestic deposits to total assets | 82.9870% | 3,605 |
| Equity capital to assets | 8.1105% | 5,700 |
| Core capital (leverage) ratio | 8.1583% | 5,602 |
| Tier 1 risk-based capital ratio | 9.7399% | 5,844 |
| Total risk-based capital ratio | 10.8582% | 5,852 |
| Memoranda: | ||
| Average total assets | $272,047,750 | 2,354 |
| Average earning assets | $255,430,750 | 2,326 |
| Average equity | $22,348,250 | 2,983 |
| Average total loans | $221,674,750 | 1,971 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,045 |
| Cost of funding earning assets | 0.5349% | 1,826 |
| Net interest margin | 3.7980% | 2,325 |
| Noninterest income to average assets | 0.9166% | 1,321 |
| Noninterest expense to average assets | 3.4769% | 1,205 |
| Loan and lease loss provision to assets | 0.0520% | 3,105 |
| Net operating income to assets | 0.9278% | 2,731 |
| Return on assets (ROA) | 0.9307% | 2,859 |
| Pretax return on assets | 0.9663% | 3,718 |
| Return on Equity (ROE) | 11.2795% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.0532% | 4,968 |
| Net charge-offs to loans | 0.0128% | 3,290 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 97.6429% | 592 |
| Efficiency ratio | 77.3975% | 1,871 |
| Assets per employee ($millions) | 3.7157% | 4,412 |
| Cash dividends to net income (ytd only)* | 90.6624% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,785 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 2,585 |
| Noncurrent loans to loans | 0.9683% | 2,344 |
| Net loans and leases to total assets | 80.8594% | 777 |
| Net loans and leases to deposits | 97.9816% | 892 |
| Net loans and leases to core deposits | 115.3739% | 661 |
| Total domestic deposits to total assets | 82.5250% | 3,825 |
| Equity capital to assets | 8.2571% | 5,710 |
| Core capital (leverage) ratio | 8.0030% | 5,730 |
| Tier 1 risk-based capital ratio | 9.8576% | 5,888 |
| Total risk-based capital ratio | 10.9837% | 5,879 |
| Memoranda: | ||
| Average total assets | $269,266,670 | 2,390 |
| Average earning assets | $253,503,000 | 2,360 |
| Average equity | $22,217,330 | 3,003 |
| Average total loans | $219,103,670 | 1,991 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,108 |
| Cost of funding earning assets | 0.5260% | 1,903 |
| Net interest margin | 3.7816% | 2,368 |
| Noninterest income to average assets | 0.8096% | 1,587 |
| Noninterest expense to average assets | 3.4487% | 1,282 |
| Loan and lease loss provision to assets | 0.0671% | 2,620 |
| Net operating income to assets | 0.8292% | 3,100 |
| Return on assets (ROA) | 0.8350% | 3,195 |
| Pretax return on assets | 0.8588% | 4,009 |
| Return on Equity (ROE) | 10.1231% | 1,936 |
| Retained earnings to average equity (ytd only) | 1.5185% | 4,665 |
| Net charge-offs to loans | 0.0551% | 1,971 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 20.5667% | 1,459 |
| Efficiency ratio | 78.9420% | 1,762 |
| Assets per employee ($millions) | 3.6386% | 4,575 |
| Cash dividends to net income (ytd only)* | 85.0000% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,916 |
| Loan loss allowance to noncurrent loans | 256.2370% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,996 |
| Noncurrent loans to loans | 0.4391% | 3,865 |
| Net loans and leases to total assets | 80.4545% | 756 |
| Net loans and leases to deposits | 97.0134% | 848 |
| Net loans and leases to core deposits | 114.6320% | 641 |
| Total domestic deposits to total assets | 82.9314% | 3,925 |
| Equity capital to assets | 8.2814% | 5,706 |
| Core capital (leverage) ratio | 8.2001% | 5,653 |
| Tier 1 risk-based capital ratio | 9.8224% | 5,944 |
| Total risk-based capital ratio | 10.9278% | 5,948 |
| Memoranda: | ||
| Average total assets | $268,277,500 | 2,403 |
| Average earning assets | $252,487,000 | 2,370 |
| Average equity | $22,127,500 | 3,012 |
| Average total loans | $217,739,000 | 2,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,254 |
| Cost of funding earning assets | 0.5024% | 2,133 |
| Net interest margin | 3.7864% | 2,419 |
| Noninterest income to average assets | 0.7145% | 2,130 |
| Noninterest expense to average assets | 3.4108% | 1,463 |
| Loan and lease loss provision to assets | 0.1536% | 1,529 |
| Net operating income to assets | 0.6828% | 3,894 |
| Return on assets (ROA) | 0.7126% | 3,863 |
| Pretax return on assets | 0.7367% | 4,415 |
| Return on Equity (ROE) | 8.7452% | 2,601 |
| Retained earnings to average equity (ytd only) | 7.7332% | 1,004 |
| Net charge-offs to loans | 0.1295% | 2,079 |
| Credit loss provision to net charge-offs | 152.5097% | 1,750 |
| Earnings coverage of net charge-offs (x) | 8.5328% | 2,933 |
| Efficiency ratio | 79.8707% | 1,692 |
| Assets per employee ($millions) | 3.6617% | 4,542 |
| Cash dividends to net income (ytd only)* | 11.5721% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,855 |
| Loan loss allowance to noncurrent loans | 238.7914% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 3,960 |
| Noncurrent loans to loans | 0.4742% | 3,768 |
| Net loans and leases to total assets | 80.0356% | 839 |
| Net loans and leases to deposits | 95.8477% | 1,030 |
| Net loans and leases to core deposits | 115.8735% | 603 |
| Total domestic deposits to total assets | 83.5029% | 3,674 |
| Equity capital to assets | 8.2143% | 5,753 |
| Core capital (leverage) ratio | 8.1927% | 5,708 |
| Tier 1 risk-based capital ratio | 9.8485% | 5,984 |
| Total risk-based capital ratio | 10.9544% | 5,996 |
| Memoranda: | ||
| Average total assets | $257,091,600 | 2,446 |
| Average earning assets | $241,440,000 | 2,412 |
| Average equity | $20,948,600 | 3,077 |
| Average total loans | $200,033,200 | 2,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,383 |
| Cost of funding earning assets | 0.4899% | 2,319 |
| Net interest margin | 3.7662% | 2,505 |
| Noninterest income to average assets | 0.7176% | 2,156 |
| Noninterest expense to average assets | 3.3623% | 1,552 |
| Loan and lease loss provision to assets | 0.1886% | 1,082 |
| Net operating income to assets | 0.6763% | 4,003 |
| Return on assets (ROA) | 0.7113% | 3,959 |
| Pretax return on assets | 0.7344% | 4,555 |
| Return on Equity (ROE) | 8.7484% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.5244% | 1,433 |
| Net charge-offs to loans | 0.1824% | 1,392 |
| Credit loss provision to net charge-offs | 134.3284% | 1,828 |
| Earnings coverage of net charge-offs (x) | 6.3173% | 3,064 |
| Efficiency ratio | 79.1297% | 1,786 |
| Assets per employee ($millions) | 3.5829% | 4,640 |
| Cash dividends to net income (ytd only)* | 13.9913% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,970 |
| Loan loss allowance to noncurrent loans | 232.9138% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 3,983 |
| Noncurrent loans to loans | 0.4912% | 3,875 |
| Net loans and leases to total assets | 78.4065% | 1,040 |
| Net loans and leases to deposits | 97.7242% | 836 |
| Net loans and leases to core deposits | 115.2149% | 627 |
| Total domestic deposits to total assets | 80.2324% | 4,687 |
| Equity capital to assets | 8.2046% | 5,871 |
| Core capital (leverage) ratio | 8.1769% | 5,794 |
| Tier 1 risk-based capital ratio | 9.8860% | 6,072 |
| Total risk-based capital ratio | 10.9991% | 6,067 |
| Memoranda: | ||
| Average total assets | $254,539,250 | 2,489 |
| Average earning assets | $238,680,750 | 2,453 |
| Average equity | $20,696,500 | 3,128 |
| Average total loans | $195,945,000 | 2,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,599 |
| Cost of funding earning assets | 0.4772% | 2,454 |
| Net interest margin | 3.7083% | 2,674 |
| Noninterest income to average assets | 0.7139% | 2,160 |
| Noninterest expense to average assets | 3.3401% | 1,600 |
| Loan and lease loss provision to assets | 0.2191% | 865 |
| Net operating income to assets | 0.6125% | 4,282 |
| Return on assets (ROA) | 0.6573% | 4,196 |
| Pretax return on assets | 0.6805% | 4,720 |
| Return on Equity (ROE) | 8.1104% | 2,984 |
| Retained earnings to average equity (ytd only) | 6.4490% | 1,976 |
| Net charge-offs to loans | 0.2856% | 921 |
| Credit loss provision to net charge-offs | 100.7326% | 2,026 |
| Earnings coverage of net charge-offs (x) | 3.9231% | 3,118 |
| Efficiency ratio | 79.6504% | 1,805 |
| Assets per employee ($millions) | 3.5334% | 4,732 |
| Cash dividends to net income (ytd only)* | 20.4848% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 4,120 |
| Loan loss allowance to noncurrent loans | 190.1478% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 3,765 |
| Noncurrent loans to loans | 0.6011% | 3,665 |
| Net loans and leases to total assets | 77.6650% | 1,114 |
| Net loans and leases to deposits | 96.4511% | 916 |
| Net loans and leases to core deposits | 107.6945% | 976 |
| Total domestic deposits to total assets | 80.5226% | 4,741 |
| Equity capital to assets | 8.0181% | 5,975 |
| Core capital (leverage) ratio | 8.0600% | 5,900 |
| Tier 1 risk-based capital ratio | 9.8898% | 6,122 |
| Total risk-based capital ratio | 11.0068% | 6,117 |
| Memoranda: | ||
| Average total assets | $251,008,670 | 2,543 |
| Average earning assets | $235,526,000 | 2,496 |
| Average equity | $20,344,330 | 3,180 |
| Average total loans | $191,164,670 | 2,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 2,940 |
| Cost of funding earning assets | 0.4818% | 2,435 |
| Net interest margin | 3.5919% | 3,039 |
| Noninterest income to average assets | 0.5882% | 2,711 |
| Noninterest expense to average assets | 3.2091% | 1,961 |
| Loan and lease loss provision to assets | 0.1454% | 1,395 |
| Net operating income to assets | 0.5785% | 4,367 |
| Return on assets (ROA) | 0.5785% | 4,472 |
| Pretax return on assets | 0.5946% | 4,925 |
| Return on Equity (ROE) | 7.0977% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.1436% | 3,521 |
| Net charge-offs to loans | 0.5371% | 464 |
| Credit loss provision to net charge-offs | 36.1446% | 2,216 |
| Earnings coverage of net charge-offs (x) | 1.8394% | 2,861 |
| Efficiency ratio | 81.2602% | 1,720 |
| Assets per employee ($millions) | 3.6108% | 4,702 |
| Cash dividends to net income (ytd only)* | 41.6201% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 4,217 |
| Loan loss allowance to noncurrent loans | 165.3876% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 3,694 |
| Noncurrent loans to loans | 0.7002% | 3,526 |
| Net loans and leases to total assets | 74.9101% | 1,371 |
| Net loans and leases to deposits | 89.6569% | 1,427 |
| Net loans and leases to core deposits | 100.4818% | 1,288 |
| Total domestic deposits to total assets | 83.5520% | 3,994 |
| Equity capital to assets | 8.3287% | 5,851 |
| Core capital (leverage) ratio | 8.0393% | 5,915 |
| Tier 1 risk-based capital ratio | 10.1112% | 6,137 |
| Total risk-based capital ratio | 11.2057% | 6,143 |
| Memoranda: | ||
| Average total assets | $247,543,000 | 2,579 |
| Average earning assets | $231,629,500 | 2,539 |
| Average equity | $20,175,500 | 3,221 |
| Average total loans | $185,424,500 | 2,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,583 |
| Cost of funding earning assets | 0.5400% | 2,290 |
| Net interest margin | 3.4938% | 3,820 |
| Noninterest income to average assets | 0.3947% | 4,227 |
| Noninterest expense to average assets | 2.9071% | 3,130 |
| Loan and lease loss provision to assets | 0.0939% | 2,588 |
| Net operating income to assets | 0.6312% | 4,230 |
| Return on assets (ROA) | 0.6400% | 4,291 |
| Pretax return on assets | 0.6692% | 4,729 |
| Return on Equity (ROE) | 7.9110% | 3,180 |
| Retained earnings to average equity (ytd only) | 1.3976% | 5,143 |
| Net charge-offs to loans | -0.0162% | 5,661 |
| Credit loss provision to net charge-offs | -833.3333% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4074% | 2,014 |
| Assets per employee ($millions) | 3.9611% | 4,040 |
| Cash dividends to net income (ytd only)* | 82.3338% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 3,711 |
| Loan loss allowance to noncurrent loans | 209.4118% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 4,116 |
| Noncurrent loans to loans | 0.5981% | 3,876 |
| Net loans and leases to total assets | 73.1111% | 1,735 |
| Net loans and leases to deposits | 90.4838% | 1,466 |
| Net loans and leases to core deposits | 102.2135% | 1,231 |
| Total domestic deposits to total assets | 80.8002% | 4,793 |
| Equity capital to assets | 7.9748% | 6,081 |
| Core capital (leverage) ratio | 7.9165% | 6,043 |
| Tier 1 risk-based capital ratio | 10.1140% | 6,230 |
| Total risk-based capital ratio | 11.3021% | 6,195 |
| Memoranda: | ||
| Average total assets | $239,686,000 | 2,617 |
| Average earning assets | $224,083,000 | 2,586 |
| Average equity | $19,390,800 | 3,231 |
| Average total loans | $167,139,800 | 2,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,866 |
| Cost of funding earning assets | 0.5479% | 2,312 |
| Net interest margin | 3.4244% | 4,129 |
| Noninterest income to average assets | 0.3563% | 4,589 |
| Noninterest expense to average assets | 2.8221% | 3,378 |
| Loan and lease loss provision to assets | 0.0506% | 3,360 |
| Net operating income to assets | 0.6591% | 4,165 |
| Return on assets (ROA) | 0.6683% | 4,208 |
| Pretax return on assets | 0.6969% | 4,710 |
| Return on Equity (ROE) | 8.2296% | 3,080 |
| Retained earnings to average equity (ytd only) | 0.3945% | 5,691 |
| Net charge-offs to loans | -0.0057% | 5,322 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2706% | 2,014 |
| Assets per employee ($millions) | 4.0521% | 3,773 |
| Cash dividends to net income (ytd only)* | 95.2066% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 3,895 |
| Loan loss allowance to noncurrent loans | 180.5184% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 3,746 |
| Noncurrent loans to loans | 0.6964% | 3,868 |
| Net loans and leases to total assets | 69.7503% | 2,238 |
| Net loans and leases to deposits | 82.1727% | 2,402 |
| Net loans and leases to core deposits | 95.0704% | 1,753 |
| Total domestic deposits to total assets | 84.8825% | 3,385 |
| Equity capital to assets | 8.0424% | 6,109 |
| Core capital (leverage) ratio | 7.9806% | 6,080 |
| Tier 1 risk-based capital ratio | 10.6246% | 6,165 |
| Total risk-based capital ratio | 11.8018% | 6,139 |
| Memoranda: | ||
| Average total assets | $237,220,250 | 2,655 |
| Average earning assets | $221,928,750 | 2,617 |
| Average equity | $19,263,250 | 3,259 |
| Average total loans | $162,734,250 | 2,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,058 |
| Cost of funding earning assets | 0.5594% | 2,268 |
| Net interest margin | 3.3590% | 4,354 |
| Noninterest income to average assets | 0.3401% | 4,707 |
| Noninterest expense to average assets | 2.7936% | 3,532 |
| Loan and lease loss provision to assets | 0.0425% | 3,469 |
| Net operating income to assets | 0.6135% | 4,288 |
| Return on assets (ROA) | 0.6274% | 4,305 |
| Pretax return on assets | 0.6529% | 4,775 |
| Return on Equity (ROE) | 7.7009% | 3,263 |
| Retained earnings to average equity (ytd only) | -1.2000% | 5,886 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4013% | 1,963 |
| Assets per employee ($millions) | 4.1957% | 3,465 |
| Cash dividends to net income (ytd only)* | 115.5827% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 3,977 |
| Loan loss allowance to noncurrent loans | 159.2760% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 3,661 |
| Noncurrent loans to loans | 0.8023% | 3,699 |
| Net loans and leases to total assets | 67.0477% | 2,567 |
| Net loans and leases to deposits | 78.9720% | 2,662 |
| Net loans and leases to core deposits | 91.4502% | 1,982 |
| Total domestic deposits to total assets | 84.9007% | 3,563 |
| Equity capital to assets | 8.0107% | 6,151 |
| Core capital (leverage) ratio | 7.8691% | 6,176 |
| Tier 1 risk-based capital ratio | 11.0513% | 6,032 |
| Total risk-based capital ratio | 12.2598% | 5,987 |
| Memoranda: | ||
| Average total assets | $235,252,670 | 2,680 |
| Average earning assets | $219,529,670 | 2,644 |
| Average equity | $19,166,670 | 3,257 |
| Average total loans | $159,733,000 | 2,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 3,964 |
| Cost of funding earning assets | 0.5771% | 2,177 |
| Net interest margin | 3.3540% | 4,320 |
| Noninterest income to average assets | 0.2976% | 4,979 |
| Noninterest expense to average assets | 2.8044% | 3,544 |
| Loan and lease loss provision to assets | 0.0519% | 3,062 |
| Net operating income to assets | 0.5369% | 4,519 |
| Return on assets (ROA) | 0.5657% | 4,456 |
| Pretax return on assets | 0.5778% | 4,905 |
| Return on Equity (ROE) | 6.8831% | 3,538 |
| Retained earnings to average equity (ytd only) | -5.1992% | 6,133 |
| Net charge-offs to loans | -0.0331% | 5,616 |
| Credit loss provision to net charge-offs | -230.7692% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3679% | 1,881 |
| Assets per employee ($millions) | 3.9311% | 4,082 |
| Cash dividends to net income (ytd only)* | 175.5352% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,001 |
| Loan loss allowance to noncurrent loans | 238.1222% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 3,290 |
| Noncurrent loans to loans | 0.5550% | 4,498 |
| Net loans and leases to total assets | 66.6320% | 2,457 |
| Net loans and leases to deposits | 78.8237% | 2,447 |
| Net loans and leases to core deposits | 84.8414% | 2,432 |
| Total domestic deposits to total assets | 84.5330% | 4,071 |
| Equity capital to assets | 8.0708% | 6,002 |
| Core capital (leverage) ratio | 8.3430% | 5,806 |
| Tier 1 risk-based capital ratio | 11.3670% | 5,981 |
| Total risk-based capital ratio | 12.6144% | 5,936 |
| Memoranda: | ||
| Average total assets | $231,204,500 | 2,734 |
| Average earning assets | $214,190,000 | 2,706 |
| Average equity | $19,003,000 | 3,280 |
| Average total loans | $156,963,500 | 2,497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 4,086 |
| Cost of funding earning assets | 0.6732% | 2,015 |
| Net interest margin | 3.3251% | 4,575 |
| Noninterest income to average assets | 0.2686% | 5,429 |
| Noninterest expense to average assets | 2.8866% | 3,412 |
| Loan and lease loss provision to assets | 0.0707% | 3,707 |
| Net operating income to assets | 0.3706% | 5,259 |
| Return on assets (ROA) | 0.4661% | 5,017 |
| Pretax return on assets | 0.4979% | 5,208 |
| Return on Equity (ROE) | 5.3645% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.8706% | 4,903 |
| Net charge-offs to loans | 0.1129% | 3,693 |
| Credit loss provision to net charge-offs | 95.7576% | 2,610 |
| Earnings coverage of net charge-offs (x) | 6.3212% | 3,086 |
| Efficiency ratio | 86.0748% | 1,407 |
| Assets per employee ($millions) | 4.4421% | 3,007 |
| Cash dividends to net income (ytd only)* | 65.1297% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,964 |
| Loan loss allowance to noncurrent loans | 255.8313% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 3,370 |
| Noncurrent loans to loans | 0.5211% | 4,687 |
| Net loans and leases to total assets | 67.3592% | 2,464 |
| Net loans and leases to deposits | 80.5174% | 2,382 |
| Net loans and leases to core deposits | 87.9300% | 2,254 |
| Total domestic deposits to total assets | 83.6580% | 4,294 |
| Equity capital to assets | 8.3736% | 5,716 |
| Core capital (leverage) ratio | 8.5658% | 5,592 |
| Tier 1 risk-based capital ratio | 11.9082% | 5,666 |
| Total risk-based capital ratio | 13.1586% | 5,605 |
| Memoranda: | ||
| Average total assets | $223,346,200 | 2,779 |
| Average earning assets | $207,214,800 | 2,755 |
| Average equity | $19,405,200 | 3,230 |
| Average total loans | $146,086,200 | 2,615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 4,273 |
| Cost of funding earning assets | 0.6809% | 2,093 |
| Net interest margin | 3.2819% | 4,710 |
| Noninterest income to average assets | 0.2780% | 5,455 |
| Noninterest expense to average assets | 2.8494% | 3,491 |
| Loan and lease loss provision to assets | 0.0737% | 3,584 |
| Net operating income to assets | 0.3732% | 5,360 |
| Return on assets (ROA) | 0.4997% | 4,957 |
| Pretax return on assets | 0.5344% | 5,258 |
| Return on Equity (ROE) | 5.6983% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.1044% | 5,063 |
| Net charge-offs to loans | 0.1454% | 3,092 |
| Credit loss provision to net charge-offs | 78.3439% | 2,885 |
| Earnings coverage of net charge-offs (x) | 5.0191% | 3,303 |
| Efficiency ratio | 85.7864% | 1,378 |
| Assets per employee ($millions) | 4.1929% | 3,440 |
| Cash dividends to net income (ytd only)* | 63.0700% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,993 |
| Loan loss allowance to noncurrent loans | 148.8661% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3904% | 2,874 |
| Noncurrent loans to loans | 0.9257% | 3,965 |
| Net loans and leases to total assets | 64.3201% | 2,948 |
| Net loans and leases to deposits | 76.9431% | 2,826 |
| Net loans and leases to core deposits | 84.4776% | 2,599 |
| Total domestic deposits to total assets | 83.5944% | 4,351 |
| Equity capital to assets | 8.4292% | 5,815 |
| Core capital (leverage) ratio | 8.7114% | 5,523 |
| Tier 1 risk-based capital ratio | 12.2672% | 5,593 |
| Total risk-based capital ratio | 13.5172% | 5,530 |
| Memoranda: | ||
| Average total assets | $222,546,500 | 2,807 |
| Average earning assets | $206,376,250 | 2,784 |
| Average equity | $19,514,000 | 3,242 |
| Average total loans | $143,942,500 | 2,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 4,273 |
| Cost of funding earning assets | 0.6921% | 2,122 |
| Net interest margin | 3.2652% | 4,710 |
| Noninterest income to average assets | 0.2034% | 5,992 |
| Noninterest expense to average assets | 2.7760% | 3,757 |
| Loan and lease loss provision to assets | 0.0705% | 3,628 |
| Net operating income to assets | 0.3542% | 5,388 |
| Return on assets (ROA) | 0.5451% | 4,745 |
| Pretax return on assets | 0.5857% | 5,074 |
| Return on Equity (ROE) | 6.1352% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.9811% | 4,420 |
| Net charge-offs to loans | 0.1177% | 3,189 |
| Credit loss provision to net charge-offs | 92.8571% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.9405% | 2,802 |
| Efficiency ratio | 86.0224% | 1,409 |
| Assets per employee ($millions) | 4.2568% | 3,240 |
| Cash dividends to net income (ytd only)* | 51.4096% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,845 |
| Loan loss allowance to noncurrent loans | 187.3751% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 3,103 |
| Noncurrent loans to loans | 0.7692% | 4,382 |
| Net loans and leases to total assets | 63.7290% | 2,961 |
| Net loans and leases to deposits | 76.6907% | 2,770 |
| Net loans and leases to core deposits | 85.1901% | 2,413 |
| Total domestic deposits to total assets | 83.0987% | 4,665 |
| Equity capital to assets | 8.5383% | 5,731 |
| Core capital (leverage) ratio | 8.6398% | 5,502 |
| Tier 1 risk-based capital ratio | 12.5830% | 5,441 |
| Total risk-based capital ratio | 13.8342% | 5,381 |
| Memoranda: | ||
| Average total assets | $221,256,670 | 2,823 |
| Average earning assets | $204,887,330 | 2,812 |
| Average equity | $19,657,000 | 3,241 |
| Average total loans | $142,701,330 | 2,677 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 4,110 |
| Cost of funding earning assets | 0.7159% | 2,085 |
| Net interest margin | 3.2863% | 4,569 |
| Noninterest income to average assets | 0.0723% | 6,666 |
| Noninterest expense to average assets | 2.7449% | 3,903 |
| Loan and lease loss provision to assets | 0.0633% | 3,573 |
| Net operating income to assets | 0.2895% | 5,602 |
| Return on assets (ROA) | 0.6835% | 3,917 |
| Pretax return on assets | 0.7125% | 4,521 |
| Return on Equity (ROE) | 7.5466% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.4321% | 3,578 |
| Net charge-offs to loans | 0.0421% | 3,447 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 13.4667% | 1,527 |
| Efficiency ratio | 88.2558% | 1,304 |
| Assets per employee ($millions) | 4.5047% | 2,964 |
| Cash dividends to net income (ytd only)* | 41.2698% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 3,891 |
| Loan loss allowance to noncurrent loans | 176.5850% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 3,325 |
| Noncurrent loans to loans | 0.8401% | 4,441 |
| Net loans and leases to total assets | 61.5902% | 3,148 |
| Net loans and leases to deposits | 73.8052% | 2,943 |
| Net loans and leases to core deposits | 81.7695% | 2,603 |
| Total domestic deposits to total assets | 83.4497% | 4,690 |
| Equity capital to assets | 8.9058% | 5,610 |
| Core capital (leverage) ratio | 8.6850% | 5,349 |
| Tier 1 risk-based capital ratio | 12.7539% | 5,399 |
| Total risk-based capital ratio | 14.0057% | 5,347 |
| Memoranda: | ||
| Average total assets | $221,207,000 | 2,858 |
| Average earning assets | $204,485,000 | 2,847 |
| Average equity | $20,035,500 | 3,245 |
| Average total loans | $142,486,500 | 2,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 3,316 |
| Cost of funding earning assets | 0.8128% | 2,562 |
| Net interest margin | 3.7073% | 3,617 |
| Noninterest income to average assets | 0.2334% | 5,777 |
| Noninterest expense to average assets | 2.7077% | 4,376 |
| Loan and lease loss provision to assets | 0.2989% | 2,285 |
| Net operating income to assets | 0.6258% | 4,108 |
| Return on assets (ROA) | 0.6324% | 4,345 |
| Pretax return on assets | 0.6277% | 4,904 |
| Return on Equity (ROE) | 6.9197% | 3,689 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,402 |
| Net charge-offs to loans | 0.3396% | 2,937 |
| Credit loss provision to net charge-offs | 134.8101% | 2,071 |
| Earnings coverage of net charge-offs (x) | 4.1498% | 3,462 |
| Efficiency ratio | 74.6261% | 2,967 |
| Assets per employee ($millions) | 4.2584% | 3,448 |
| Cash dividends to net income (ytd only)* | 42.5296% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,995 |
| Loan loss allowance to noncurrent loans | 195.7427% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 3,434 |
| Noncurrent loans to loans | 0.7332% | 4,711 |
| Net loans and leases to total assets | 65.4264% | 2,629 |
| Net loans and leases to deposits | 79.0618% | 2,399 |
| Net loans and leases to core deposits | 87.9419% | 2,092 |
| Total domestic deposits to total assets | 82.7535% | 4,821 |
| Equity capital to assets | 9.2145% | 5,252 |
| Core capital (leverage) ratio | 8.7428% | 5,263 |
| Tier 1 risk-based capital ratio | 12.3973% | 5,542 |
| Total risk-based capital ratio | 13.6484% | 5,494 |
| Memoranda: | ||
| Average total assets | $213,796,800 | 2,895 |
| Average earning assets | $195,748,600 | 2,886 |
| Average equity | $19,538,400 | 3,257 |
| Average total loans | $139,588,600 | 2,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 3,227 |
| Cost of funding earning assets | 0.8208% | 2,768 |
| Net interest margin | 3.7739% | 3,448 |
| Noninterest income to average assets | 0.2304% | 5,897 |
| Noninterest expense to average assets | 2.7029% | 4,354 |
| Loan and lease loss provision to assets | 0.2561% | 2,528 |
| Net operating income to assets | 0.7394% | 3,738 |
| Return on assets (ROA) | 0.7482% | 3,950 |
| Pretax return on assets | 0.7344% | 4,729 |
| Return on Equity (ROE) | 8.2044% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.2567% | 3,899 |
| Net charge-offs to loans | 0.3467% | 2,718 |
| Credit loss provision to net charge-offs | 113.6111% | 2,569 |
| Earnings coverage of net charge-offs (x) | 4.3555% | 3,326 |
| Efficiency ratio | 73.3390% | 3,095 |
| Assets per employee ($millions) | 4.1871% | 3,503 |
| Cash dividends to net income (ytd only)* | 48.1174% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,605 |
| Loan loss allowance to noncurrent loans | 126.2443% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 3,255 |
| Noncurrent loans to loans | 1.0659% | 4,308 |
| Net loans and leases to total assets | 65.7632% | 2,698 |
| Net loans and leases to deposits | 79.7151% | 2,436 |
| Net loans and leases to core deposits | 88.6260% | 2,148 |
| Total domestic deposits to total assets | 82.4979% | 4,836 |
| Equity capital to assets | 9.2459% | 5,540 |
| Core capital (leverage) ratio | 8.7167% | 5,451 |
| Tier 1 risk-based capital ratio | 12.1174% | 5,875 |
| Total risk-based capital ratio | 13.3677% | 5,851 |
| Memoranda: | ||
| Average total assets | $212,951,000 | 2,929 |
| Average earning assets | $194,915,500 | 2,926 |
| Average equity | $19,420,000 | 3,303 |
| Average total loans | $138,445,250 | 2,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 2,910 |
| Cost of funding earning assets | 0.8299% | 2,952 |
| Net interest margin | 3.8707% | 3,040 |
| Noninterest income to average assets | 0.1542% | 6,428 |
| Noninterest expense to average assets | 2.7877% | 4,060 |
| Loan and lease loss provision to assets | 0.1599% | 3,519 |
| Net operating income to assets | 0.7627% | 3,543 |
| Return on assets (ROA) | 0.7627% | 3,807 |
| Pretax return on assets | 0.7419% | 4,697 |
| Return on Equity (ROE) | 8.4033% | 3,068 |
| Retained earnings to average equity (ytd only) | 2.4084% | 4,988 |
| Net charge-offs to loans | 0.2672% | 2,980 |
| Credit loss provision to net charge-offs | 92.8571% | 2,958 |
| Earnings coverage of net charge-offs (x) | 5.2363% | 2,877 |
| Efficiency ratio | 75.5322% | 2,821 |
| Assets per employee ($millions) | 4.1733% | 3,513 |
| Cash dividends to net income (ytd only)* | 71.3400% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,746 |
| Loan loss allowance to noncurrent loans | 132.3303% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 3,327 |
| Noncurrent loans to loans | 1.0049% | 4,498 |
| Net loans and leases to total assets | 64.6586% | 2,896 |
| Net loans and leases to deposits | 80.7385% | 2,273 |
| Net loans and leases to core deposits | 89.9295% | 1,992 |
| Total domestic deposits to total assets | 80.0841% | 5,720 |
| Equity capital to assets | 8.9746% | 5,723 |
| Core capital (leverage) ratio | 8.5836% | 5,540 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,907 |
| Total risk-based capital ratio | 13.2565% | 5,909 |
| Memoranda: | ||
| Average total assets | $211,358,670 | 2,955 |
| Average earning assets | $193,040,330 | 2,959 |
| Average equity | $19,183,000 | 3,329 |
| Average total loans | $136,214,330 | 2,813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 1,599 |
| Cost of funding earning assets | 0.8532% | 3,038 |
| Net interest margin | 4.2385% | 1,643 |
| Noninterest income to average assets | -0.2359% | 7,209 |
| Noninterest expense to average assets | 2.7430% | 4,274 |
| Loan and lease loss provision to assets | 0.0959% | 4,152 |
| Net operating income to assets | 0.7922% | 3,414 |
| Return on assets (ROA) | 0.7922% | 3,658 |
| Pretax return on assets | 0.7654% | 4,545 |
| Return on Equity (ROE) | 8.6781% | 2,959 |
| Retained earnings to average equity (ytd only) | -3.4040% | 6,439 |
| Net charge-offs to loans | 0.4594% | 1,946 |
| Credit loss provision to net charge-offs | 32.6797% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.9346% | 3,008 |
| Efficiency ratio | 76.1043% | 2,773 |
| Assets per employee ($millions) | 3.9359% | 4,136 |
| Cash dividends to net income (ytd only)* | 139.2252% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,881 |
| Loan loss allowance to noncurrent loans | 114.6404% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.7992% | 3,173 |
| Noncurrent loans to loans | 1.1610% | 4,383 |
| Net loans and leases to total assets | 62.8178% | 3,085 |
| Net loans and leases to deposits | 74.8930% | 2,988 |
| Net loans and leases to core deposits | 83.1482% | 2,661 |
| Total domestic deposits to total assets | 83.8767% | 4,556 |
| Equity capital to assets | 8.9217% | 5,608 |
| Core capital (leverage) ratio | 8.7481% | 5,204 |
| Tier 1 risk-based capital ratio | 12.0701% | 5,915 |
| Total risk-based capital ratio | 13.2695% | 5,937 |
| Memoranda: | ||
| Average total assets | $208,532,000 | 3,004 |
| Average earning assets | $188,934,500 | 3,028 |
| Average equity | $19,036,500 | 3,343 |
| Average total loans | $133,217,500 | 2,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 3,821 |
| Cost of funding earning assets | 1.0405% | 3,093 |
| Net interest margin | 3.7575% | 4,039 |
| Noninterest income to average assets | 0.1671% | 6,292 |
| Noninterest expense to average assets | 3.1122% | 3,156 |
| Loan and lease loss provision to assets | 0.3254% | 3,084 |
| Net operating income to assets | 0.1229% | 5,810 |
| Return on assets (ROA) | 0.2969% | 5,425 |
| Pretax return on assets | 0.2998% | 5,556 |
| Return on Equity (ROE) | 3.3050% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.3050% | 3,872 |
| Net charge-offs to loans | 1.0267% | 1,699 |
| Credit loss provision to net charge-offs | 50.1862% | 5,419 |
| Earnings coverage of net charge-offs (x) | 0.6932% | 5,291 |
| Efficiency ratio | 87.3797% | 1,409 |
| Assets per employee ($millions) | 3.5882% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,224 |
| Loan loss allowance to noncurrent loans | 62.4262% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.5830% | 2,351 |
| Noncurrent loans to loans | 2.3261% | 2,829 |
| Net loans and leases to total assets | 63.1794% | 3,355 |
| Net loans and leases to deposits | 77.7182% | 2,886 |
| Net loans and leases to core deposits | 85.8718% | 2,651 |
| Total domestic deposits to total assets | 81.2929% | 5,364 |
| Equity capital to assets | 9.3440% | 5,098 |
| Core capital (leverage) ratio | 8.9544% | 4,852 |
| Tier 1 risk-based capital ratio | 12.5048% | 5,444 |
| Total risk-based capital ratio | 13.7589% | 5,428 |
| Memoranda: | ||
| Average total assets | $207,123,000 | 2,979 |
| Average earning assets | $187,118,500 | 2,996 |
| Average equity | $18,608,000 | 3,341 |
| Average total loans | $130,803,000 | 2,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 3,668 |
| Cost of funding earning assets | 1.0834% | 3,088 |
| Net interest margin | 3.7889% | 3,933 |
| Noninterest income to average assets | 0.1495% | 6,512 |
| Noninterest expense to average assets | 3.0475% | 3,365 |
| Loan and lease loss provision to assets | 0.3491% | 2,780 |
| Net operating income to assets | 0.1708% | 5,771 |
| Return on assets (ROA) | 0.3087% | 5,538 |
| Pretax return on assets | 0.3125% | 5,676 |
| Return on Equity (ROE) | 3.4699% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.4699% | 4,269 |
| Net charge-offs to loans | 1.1801% | 1,329 |
| Credit loss provision to net charge-offs | 47.0182% | 5,101 |
| Earnings coverage of net charge-offs (x) | 0.7035% | 5,099 |
| Efficiency ratio | 85.3676% | 1,589 |
| Assets per employee ($millions) | 3.8685% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,995 |
| Loan loss allowance to noncurrent loans | 93.3778% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 2,728 |
| Noncurrent loans to loans | 1.6298% | 3,856 |
| Net loans and leases to total assets | 61.8591% | 3,760 |
| Net loans and leases to deposits | 74.3935% | 3,602 |
| Net loans and leases to core deposits | 83.3919% | 3,137 |
| Total domestic deposits to total assets | 83.1512% | 4,622 |
| Equity capital to assets | 9.4631% | 5,142 |
| Core capital (leverage) ratio | 8.6924% | 5,422 |
| Tier 1 risk-based capital ratio | 12.4874% | 5,495 |
| Total risk-based capital ratio | 13.7386% | 5,492 |
| Memoranda: | ||
| Average total assets | $207,772,000 | 2,986 |
| Average earning assets | $187,558,330 | 3,005 |
| Average equity | $18,482,250 | 3,356 |
| Average total loans | $130,723,000 | 2,993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 3,716 |
| Cost of funding earning assets | 1.1361% | 2,987 |
| Net interest margin | 3.7426% | 4,069 |
| Noninterest income to average assets | 0.2118% | 6,153 |
| Noninterest expense to average assets | 3.0103% | 3,604 |
| Loan and lease loss provision to assets | 0.3335% | 2,781 |
| Net operating income to assets | 0.2535% | 5,550 |
| Return on assets (ROA) | 0.2760% | 5,587 |
| Pretax return on assets | 0.2818% | 5,705 |
| Return on Equity (ROE) | 3.1691% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.1691% | 4,256 |
| Net charge-offs to loans | 1.0018% | 1,568 |
| Credit loss provision to net charge-offs | 52.8875% | 4,511 |
| Earnings coverage of net charge-offs (x) | 0.9392% | 4,601 |
| Efficiency ratio | 83.5595% | 1,877 |
| Assets per employee ($millions) | 4.0153% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 3,307 |
| Loan loss allowance to noncurrent loans | 56.5326% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.4642% | 2,704 |
| Noncurrent loans to loans | 3.0169% | 2,402 |
| Net loans and leases to total assets | 62.4654% | 3,796 |
| Net loans and leases to deposits | 77.5673% | 3,208 |
| Net loans and leases to core deposits | 87.5529% | 2,695 |
| Total domestic deposits to total assets | 80.5306% | 5,675 |
| Equity capital to assets | 9.1085% | 5,421 |
| Core capital (leverage) ratio | 8.3826% | 5,735 |
| Tier 1 risk-based capital ratio | 12.2953% | 5,520 |
| Total risk-based capital ratio | 13.5488% | 5,499 |
| Memoranda: | ||
| Average total assets | $208,686,330 | 2,991 |
| Average earning assets | $189,064,000 | 3,010 |
| Average equity | $18,175,670 | 3,388 |
| Average total loans | $131,367,670 | 3,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 4,369 |
| Cost of funding earning assets | 1.2308% | 2,623 |
| Net interest margin | 3.4995% | 5,013 |
| Noninterest income to average assets | 0.2592% | 5,818 |
| Noninterest expense to average assets | 2.9492% | 3,856 |
| Loan and lease loss provision to assets | 0.5801% | 1,493 |
| Net operating income to assets | -0.1078% | 6,466 |
| Return on assets (ROA) | -0.1078% | 6,485 |
| Pretax return on assets | -0.1027% | 6,452 |
| Return on Equity (ROE) | -1.2599% | 6,519 |
| Retained earnings to average equity (ytd only) | -1.2599% | 6,039 |
| Net charge-offs to loans | 2.0785% | 608 |
| Credit loss provision to net charge-offs | 45.7490% | 3,841 |
| Earnings coverage of net charge-offs (x) | 0.3765% | 4,336 |
| Efficiency ratio | 86.0674% | 1,708 |
| Assets per employee ($millions) | 3.9369% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 3,074 |
| Loan loss allowance to noncurrent loans | 47.2448% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 2.7166% | 2,537 |
| Noncurrent loans to loans | 3.7628% | 1,956 |
| Net loans and leases to total assets | 59.2601% | 4,410 |
| Net loans and leases to deposits | 71.9015% | 4,088 |
| Net loans and leases to core deposits | 80.1803% | 3,725 |
| Total domestic deposits to total assets | 82.4184% | 5,137 |
| Equity capital to assets | 8.5124% | 5,888 |
| Core capital (leverage) ratio | 8.4877% | 5,480 |
| Tier 1 risk-based capital ratio | 11.9746% | 5,718 |
| Total risk-based capital ratio | 13.2276% | 5,703 |
| Memoranda: | ||
| Average total assets | $155,839,000 | 3,775 |
| Average earning assets | $141,049,500 | 3,801 |
| Average equity | $13,334,000 | 4,255 |
| Average total loans | $95,068,500 | 3,854 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 4,168 |
| Cost of funding earning assets | 1.4711% | 2,818 |
| Net interest margin | 3.6138% | 4,750 |
| Noninterest income to average assets | 0.0913% | 6,941 |
| Noninterest expense to average assets | 3.2340% | 2,963 |
| Loan and lease loss provision to assets | 0.8183% | 2,000 |
| Net operating income to assets | -0.6978% | 6,514 |
| Return on assets (ROA) | -0.6268% | 6,495 |
| Pretax return on assets | -0.6268% | 6,413 |
| Return on Equity (ROE) | -6.8544% | 6,550 |
| Retained earnings to average equity (ytd only) | -9.2825% | 6,621 |
| Net charge-offs to loans | 0.9338% | 2,316 |
| Credit loss provision to net charge-offs | 141.7582% | 2,645 |
| Earnings coverage of net charge-offs (x) | 0.2088% | 5,897 |
| Efficiency ratio | 96.4070% | 949 |
| Assets per employee ($millions) | 3.9539% | 3,877 |
| Cash dividends to net income (ytd only)* | -35.4251% | 7,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 2,165 |
| Loan loss allowance to noncurrent loans | 48.5006% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.9838% | 2,358 |
| Noncurrent loans to loans | 4.2417% | 1,710 |
| Net loans and leases to total assets | 60.4211% | 4,599 |
| Net loans and leases to deposits | 73.2319% | 4,324 |
| Net loans and leases to core deposits | 81.8250% | 3,929 |
| Total domestic deposits to total assets | 82.5066% | 5,021 |
| Equity capital to assets | 8.6011% | 5,722 |
| Core capital (leverage) ratio | 8.6111% | 5,177 |
| Tier 1 risk-based capital ratio | 12.1681% | 5,318 |
| Total risk-based capital ratio | 13.4245% | 5,289 |
| Memoranda: | ||
| Average total assets | $157,638,000 | 3,744 |
| Average earning assets | $142,342,000 | 3,774 |
| Average equity | $14,414,200 | 4,042 |
| Average total loans | $97,456,200 | 3,867 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 4,201 |
| Cost of funding earning assets | 1.5172% | 2,866 |
| Net interest margin | 3.6073% | 4,839 |
| Noninterest income to average assets | 0.1809% | 6,585 |
| Noninterest expense to average assets | 3.2378% | 2,787 |
| Loan and lease loss provision to assets | 0.7058% | 2,170 |
| Net operating income to assets | -0.5190% | 6,608 |
| Return on assets (ROA) | -0.4248% | 6,581 |
| Pretax return on assets | -0.4105% | 6,505 |
| Return on Equity (ROE) | -4.5798% | 6,620 |
| Retained earnings to average equity (ytd only) | -7.7538% | 6,755 |
| Net charge-offs to loans | 0.9669% | 2,062 |
| Credit loss provision to net charge-offs | 118.0028% | 3,514 |
| Earnings coverage of net charge-offs (x) | 0.3361% | 5,692 |
| Efficiency ratio | 94.1536% | 995 |
| Assets per employee ($millions) | 3.8343% | 4,182 |
| Cash dividends to net income (ytd only)* | -69.3073% | 7,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 2,960 |
| Loan loss allowance to noncurrent loans | 55.2137% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.8975% | 2,505 |
| Noncurrent loans to loans | 3.1773% | 2,505 |
| Net loans and leases to total assets | 62.2562% | 4,473 |
| Net loans and leases to deposits | 76.1999% | 4,148 |
| Net loans and leases to core deposits | 85.9820% | 3,659 |
| Total domestic deposits to total assets | 81.7012% | 5,119 |
| Equity capital to assets | 9.4236% | 4,955 |
| Core capital (leverage) ratio | 8.7101% | 5,165 |
| Tier 1 risk-based capital ratio | 12.3396% | 5,127 |
| Total risk-based capital ratio | 13.5933% | 5,103 |
| Memoranda: | ||
| Average total assets | $158,497,250 | 3,789 |
| Average earning assets | $143,152,250 | 3,813 |
| Average equity | $14,702,000 | 4,053 |
| Average total loans | $98,038,500 | 3,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 4,595 |
| Cost of funding earning assets | 1.5509% | 2,953 |
| Net interest margin | 3.5223% | 5,148 |
| Noninterest income to average assets | 0.3208% | 5,591 |
| Noninterest expense to average assets | 2.8800% | 4,151 |
| Loan and lease loss provision to assets | 0.7840% | 1,834 |
| Net operating income to assets | -0.1860% | 6,341 |
| Return on assets (ROA) | -0.0474% | 6,238 |
| Pretax return on assets | -0.0262% | 6,177 |
| Return on Equity (ROE) | -0.5140% | 6,255 |
| Retained earnings to average equity (ytd only) | -5.2486% | 6,581 |
| Net charge-offs to loans | 1.0130% | 1,840 |
| Credit loss provision to net charge-offs | 126.1044% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.9960% | 4,791 |
| Efficiency ratio | 82.3047% | 2,117 |
| Assets per employee ($millions) | 3.7981% | 4,227 |
| Cash dividends to net income (ytd only)* | -921.0526% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 2,811 |
| Loan loss allowance to noncurrent loans | 68.2254% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.8749% | 2,502 |
| Noncurrent loans to loans | 2.5976% | 3,041 |
| Net loans and leases to total assets | 59.3102% | 5,191 |
| Net loans and leases to deposits | 72.9393% | 4,843 |
| Net loans and leases to core deposits | 83.6126% | 4,183 |
| Total domestic deposits to total assets | 81.3145% | 5,285 |
| Equity capital to assets | 9.1713% | 5,186 |
| Core capital (leverage) ratio | 8.7713% | 4,969 |
| Tier 1 risk-based capital ratio | 12.6869% | 4,699 |
| Total risk-based capital ratio | 13.9400% | 4,672 |
| Memoranda: | ||
| Average total assets | $160,206,000 | 3,788 |
| Average earning assets | $144,564,670 | 3,807 |
| Average equity | $14,785,000 | 4,034 |
| Average total loans | $98,322,000 | 3,952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 4,252 |
| Cost of funding earning assets | 1.5970% | 2,982 |
| Net interest margin | 3.5614% | 4,896 |
| Noninterest income to average assets | 0.4435% | 4,534 |
| Noninterest expense to average assets | 3.1293% | 3,144 |
| Loan and lease loss provision to assets | 0.0399% | 6,274 |
| Net operating income to assets | 0.4634% | 4,557 |
| Return on assets (ROA) | 0.4634% | 4,690 |
| Pretax return on assets | 0.4858% | 5,014 |
| Return on Equity (ROE) | 5.0059% | 4,356 |
| Retained earnings to average equity (ytd only) | -4.4138% | 6,542 |
| Net charge-offs to loans | 0.2900% | 3,252 |
| Credit loss provision to net charge-offs | 22.2222% | 4,921 |
| Earnings coverage of net charge-offs (x) | 2.9306% | 3,086 |
| Efficiency ratio | 85.6169% | 1,837 |
| Assets per employee ($millions) | 3.8380% | 4,229 |
| Cash dividends to net income (ytd only)* | 188.1720% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,771 |
| Loan loss allowance to noncurrent loans | 98.8304% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6726% | 3,963 |
| Noncurrent loans to loans | 1.5444% | 4,429 |
| Net loans and leases to total assets | 62.3618% | 4,682 |
| Net loans and leases to deposits | 77.5027% | 4,133 |
| Net loans and leases to core deposits | 88.7910% | 3,522 |
| Total domestic deposits to total assets | 80.4640% | 5,633 |
| Equity capital to assets | 9.3756% | 4,712 |
| Core capital (leverage) ratio | 9.0872% | 4,401 |
| Tier 1 risk-based capital ratio | 12.4230% | 4,820 |
| Total risk-based capital ratio | 13.6737% | 4,763 |
| Memoranda: | ||
| Average total assets | $160,549,500 | 3,833 |
| Average earning assets | $144,773,500 | 3,857 |
| Average equity | $14,862,500 | 4,044 |
| Average total loans | $99,324,000 | 3,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 4,324 |
| Cost of funding earning assets | 2.1113% | 2,409 |
| Net interest margin | 3.3593% | 5,526 |
| Noninterest income to average assets | 0.2459% | 6,342 |
| Noninterest expense to average assets | 2.9095% | 4,505 |
| Loan and lease loss provision to assets | 0.5400% | 3,668 |
| Net operating income to assets | -0.1241% | 5,713 |
| Return on assets (ROA) | 0.1892% | 5,005 |
| Pretax return on assets | 0.2191% | 4,963 |
| Return on Equity (ROE) | 2.0311% | 4,887 |
| Retained earnings to average equity (ytd only) | 0.9697% | 4,353 |
| Net charge-offs to loans | 1.0309% | 2,354 |
| Credit loss provision to net charge-offs | 81.7930% | 6,251 |
| Earnings coverage of net charge-offs (x) | 0.5980% | 5,510 |
| Efficiency ratio | 88.0517% | 1,876 |
| Assets per employee ($millions) | 3.8986% | 4,024 |
| Cash dividends to net income (ytd only)* | 52.2581% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,308 |
| Loan loss allowance to noncurrent loans | 95.0573% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 3,612 |
| Noncurrent loans to loans | 1.6758% | 4,138 |
| Net loans and leases to total assets | 59.4957% | 5,417 |
| Net loans and leases to deposits | 74.7481% | 4,916 |
| Net loans and leases to core deposits | 92.6847% | 4,813 |
| Total domestic deposits to total assets | 79.5949% | 5,818 |
| Equity capital to assets | 9.1436% | 4,922 |
| Core capital (leverage) ratio | 8.9531% | 4,503 |
| Tier 1 risk-based capital ratio | 12.7568% | 4,320 |
| Total risk-based capital ratio | 14.0165% | 4,253 |
| Memoranda: | ||
| Average total assets | $163,876,400 | 3,700 |
| Average earning assets | $149,198,400 | 3,727 |
| Average equity | $15,263,000 | 4,020 |
| Average total loans | $104,953,600 | 3,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5338% | 4,250 |
| Cost of funding earning assets | 2.2108% | 2,357 |
| Net interest margin | 3.3229% | 5,551 |
| Noninterest income to average assets | 0.2278% | 6,597 |
| Noninterest expense to average assets | 2.7641% | 5,046 |
| Loan and lease loss provision to assets | 0.1529% | 5,828 |
| Net operating income to assets | 0.3309% | 4,674 |
| Return on assets (ROA) | 0.5906% | 3,698 |
| Pretax return on assets | 0.6247% | 4,110 |
| Return on Equity (ROE) | 6.3119% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.9034% | 2,553 |
| Net charge-offs to loans | 0.3570% | 3,859 |
| Credit loss provision to net charge-offs | 65.9649% | 6,067 |
| Earnings coverage of net charge-offs (x) | 2.1755% | 4,198 |
| Efficiency ratio | 84.5694% | 2,234 |
| Assets per employee ($millions) | 4.0757% | 3,597 |
| Cash dividends to net income (ytd only)* | 22.3135% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 2,930 |
| Loan loss allowance to noncurrent loans | 33.0769% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 4.0134% | 1,591 |
| Noncurrent loans to loans | 4.8895% | 1,377 |
| Net loans and leases to total assets | 62.5751% | 5,146 |
| Net loans and leases to deposits | 79.1685% | 4,539 |
| Net loans and leases to core deposits | 99.6698% | 4,413 |
| Total domestic deposits to total assets | 79.0404% | 5,788 |
| Equity capital to assets | 9.6358% | 4,576 |
| Core capital (leverage) ratio | 9.0161% | 4,627 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,652 |
| Total risk-based capital ratio | 13.5793% | 4,626 |
| Memoranda: | ||
| Average total assets | $163,909,750 | 3,726 |
| Average earning assets | $149,984,750 | 3,727 |
| Average equity | $15,335,750 | 4,040 |
| Average total loans | $106,442,750 | 3,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 3,866 |
| Cost of funding earning assets | 2.3083% | 2,328 |
| Net interest margin | 3.3312% | 5,432 |
| Noninterest income to average assets | 0.1535% | 7,172 |
| Noninterest expense to average assets | 2.5943% | 5,760 |
| Loan and lease loss provision to assets | 0.1413% | 5,659 |
| Net operating income to assets | 0.4370% | 4,349 |
| Return on assets (ROA) | 0.8258% | 2,848 |
| Pretax return on assets | 0.8697% | 3,448 |
| Return on Equity (ROE) | 8.9144% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.7844% | 1,669 |
| Net charge-offs to loans | 0.1937% | 4,330 |
| Credit loss provision to net charge-offs | 111.5385% | 4,152 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,014 |
| Efficiency ratio | 81.1738% | 2,858 |
| Assets per employee ($millions) | 4.2941% | 3,127 |
| Cash dividends to net income (ytd only)* | 23.8938% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 2,404 |
| Loan loss allowance to noncurrent loans | 69.2785% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.4201% | 2,676 |
| Noncurrent loans to loans | 2.4293% | 2,978 |
| Net loans and leases to total assets | 63.9404% | 4,997 |
| Net loans and leases to deposits | 79.9914% | 4,549 |
| Net loans and leases to core deposits | 101.7019% | 4,310 |
| Total domestic deposits to total assets | 79.9341% | 5,495 |
| Equity capital to assets | 9.2924% | 4,884 |
| Core capital (leverage) ratio | 9.0661% | 4,524 |
| Tier 1 risk-based capital ratio | 12.8395% | 4,255 |
| Total risk-based capital ratio | 14.0926% | 4,171 |
| Memoranda: | ||
| Average total assets | $164,203,670 | 3,732 |
| Average earning assets | $149,978,000 | 3,746 |
| Average equity | $15,211,330 | 4,076 |
| Average total loans | $107,359,670 | 3,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6559% | 4,018 |
| Cost of funding earning assets | 2.4133% | 2,239 |
| Net interest margin | 3.2426% | 5,717 |
| Noninterest income to average assets | 0.3667% | 5,499 |
| Noninterest expense to average assets | 2.5644% | 5,590 |
| Loan and lease loss provision to assets | 0.0971% | 5,718 |
| Net operating income to assets | 0.6257% | 3,908 |
| Return on assets (ROA) | 0.8402% | 3,098 |
| Pretax return on assets | 0.8839% | 3,773 |
| Return on Equity (ROE) | 9.0840% | 2,672 |
| Retained earnings to average equity (ytd only) | 9.0840% | 1,450 |
| Net charge-offs to loans | 0.2815% | 2,987 |
| Credit loss provision to net charge-offs | 52.6316% | 4,632 |
| Earnings coverage of net charge-offs (x) | 4.0921% | 2,979 |
| Efficiency ratio | 77.2495% | 3,293 |
| Assets per employee ($millions) | 4.2642% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 2,517 |
| Loan loss allowance to noncurrent loans | 83.8398% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.4335% | 2,354 |
| Noncurrent loans to loans | 1.9089% | 3,398 |
| Net loans and leases to total assets | 64.2564% | 4,942 |
| Net loans and leases to deposits | 81.2922% | 4,405 |
| Net loans and leases to core deposits | 99.3566% | 4,604 |
| Total domestic deposits to total assets | 79.0438% | 5,707 |
| Equity capital to assets | 9.2842% | 4,959 |
| Core capital (leverage) ratio | 8.9934% | 4,724 |
| Tier 1 risk-based capital ratio | 12.5432% | 4,515 |
| Total risk-based capital ratio | 13.7957% | 4,438 |
| Memoranda: | ||
| Average total assets | $164,717,000 | 3,746 |
| Average earning assets | $150,001,500 | 3,753 |
| Average equity | $15,235,500 | 4,098 |
| Average total loans | $107,978,500 | 3,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1067% | 5,006 |
| Cost of funding earning assets | 2.9387% | 2,104 |
| Net interest margin | 3.1680% | 6,470 |
| Noninterest income to average assets | 0.3898% | 5,559 |
| Noninterest expense to average assets | 2.4830% | 6,078 |
| Loan and lease loss provision to assets | 0.3011% | 3,965 |
| Net operating income to assets | 0.4173% | 5,085 |
| Return on assets (ROA) | 0.4504% | 4,775 |
| Pretax return on assets | 0.5284% | 4,912 |
| Return on Equity (ROE) | 5.1532% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.7960% | 4,744 |
| Net charge-offs to loans | 0.4834% | 2,425 |
| Credit loss provision to net charge-offs | 94.1839% | 5,564 |
| Earnings coverage of net charge-offs (x) | 2.4728% | 4,836 |
| Efficiency ratio | 75.8520% | 3,257 |
| Assets per employee ($millions) | 4.0783% | 3,345 |
| Cash dividends to net income (ytd only)* | 84.5539% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,053 |
| Loan loss allowance to noncurrent loans | 79.3381% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.5808% | 1,872 |
| Noncurrent loans to loans | 2.0828% | 2,654 |
| Net loans and leases to total assets | 64.7238% | 5,122 |
| Net loans and leases to deposits | 81.0644% | 4,860 |
| Net loans and leases to core deposits | 103.5909% | 4,436 |
| Total domestic deposits to total assets | 79.8425% | 5,084 |
| Equity capital to assets | 9.2141% | 5,057 |
| Core capital (leverage) ratio | 8.8967% | 4,894 |
| Tier 1 risk-based capital ratio | 12.2336% | 4,645 |
| Total risk-based capital ratio | 13.4943% | 4,526 |
| Memoranda: | ||
| Average total assets | $166,731,200 | 3,601 |
| Average earning assets | $151,768,200 | 3,619 |
| Average equity | $14,573,400 | 4,228 |
| Average total loans | $110,264,600 | 3,670 |