Home > Denali State Bank > Performance and Condition Ratios
Denali State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 527 |
| Cost of funding earning assets | 0.7880% | 3,775 |
| Net interest margin | 5.3716% | 214 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 3.1641% | 861 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.7132% | 717 |
| Return on assets (ROA) | 1.6902% | 712 |
| Pretax return on assets | 2.2540% | 460 |
| Return on Equity (ROE) | 17.4700% | 894 |
| Retained earnings to average equity (ytd only) | 11.2587% | 737 |
| Net charge-offs to loans | 0.2751% | 389 |
| Credit loss provision to net charge-offs | 140.5102% | 1,524 |
| Earnings coverage of net charge-offs (x) | 12.9367% | 2,125 |
| Efficiency ratio | 55.4454% | 3,553 |
| Assets per employee ($millions) | 6.0969% | 2,736 |
| Cash dividends to net income (ytd only)* | 35.5363% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 536 |
| Loan loss allowance to noncurrent loans | 213.7342% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 853 |
| Noncurrent loans to loans | 0.8424% | 912 |
| Net loans and leases to total assets | 69.9600% | 1,811 |
| Net loans and leases to deposits | 83.3772% | 1,823 |
| Net loans and leases to core deposits | 89.7778% | 2,068 |
| Total domestic deposits to total assets | 83.9100% | 2,651 |
| Equity capital to assets | 10.3872% | 1,790 |
| Core capital (leverage) ratio | 11.3280% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2226% | 1,222 |
| Memoranda: | ||
| Average total assets | $498,627,800 | 1,729 |
| Average earning assets | $471,446,400 | 1,705 |
| Average equity | $48,256,200 | 1,653 |
| Average total loans | $356,268,600 | 1,589 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0445% | 501 |
| Cost of funding earning assets | 0.7179% | 3,724 |
| Net interest margin | 5.3265% | 220 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.0730% | 965 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.7478% | 731 |
| Return on assets (ROA) | 1.7478% | 717 |
| Pretax return on assets | 2.3321% | 461 |
| Return on Equity (ROE) | 18.3900% | 894 |
| Retained earnings to average equity (ytd only) | 18.3875% | 322 |
| Net charge-offs to loans | 0.3392% | 259 |
| Credit loss provision to net charge-offs | 93.6404% | 1,673 |
| Earnings coverage of net charge-offs (x) | 10.5691% | 2,119 |
| Efficiency ratio | 54.5201% | 3,544 |
| Assets per employee ($millions) | 6.0435% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 776 |
| Loan loss allowance to noncurrent loans | 230.0778% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 1,054 |
| Noncurrent loans to loans | 0.7204% | 1,153 |
| Net loans and leases to total assets | 70.7900% | 1,733 |
| Net loans and leases to deposits | 84.1228% | 1,729 |
| Net loans and leases to core deposits | 90.2814% | 1,912 |
| Total domestic deposits to total assets | 84.1500% | 2,732 |
| Equity capital to assets | 9.9640% | 1,852 |
| Core capital (leverage) ratio | 11.3806% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0140% | 1,315 |
| Memoranda: | ||
| Average total assets | $501,346,750 | 1,727 |
| Average earning assets | $474,118,000 | 1,699 |
| Average equity | $47,654,250 | 1,656 |
| Average total loans | $358,466,000 | 1,582 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 510 |
| Cost of funding earning assets | 0.6259% | 3,692 |
| Net interest margin | 5.2617% | 222 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.1053% | 903 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.7311% | 740 |
| Return on assets (ROA) | 1.7311% | 743 |
| Pretax return on assets | 2.3093% | 461 |
| Return on Equity (ROE) | 18.5000% | 894 |
| Retained earnings to average equity (ytd only) | 18.5048% | 313 |
| Net charge-offs to loans | 0.4451% | 197 |
| Credit loss provision to net charge-offs | 52.5657% | 1,659 |
| Earnings coverage of net charge-offs (x) | 7.7985% | 2,073 |
| Efficiency ratio | 55.6355% | 3,464 |
| Assets per employee ($millions) | 6.2811% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,013 |
| Loan loss allowance to noncurrent loans | 323.0503% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 1,531 |
| Noncurrent loans to loans | 0.4828% | 1,507 |
| Net loans and leases to total assets | 70.2300% | 1,714 |
| Net loans and leases to deposits | 83.8453% | 1,680 |
| Net loans and leases to core deposits | 88.5534% | 1,891 |
| Total domestic deposits to total assets | 83.7600% | 2,879 |
| Equity capital to assets | 9.6956% | 2,034 |
| Core capital (leverage) ratio | 11.0708% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4625% | 1,435 |
| Memoranda: | ||
| Average total assets | $503,273,667 | 1,719 |
| Average earning assets | $476,425,333 | 1,695 |
| Average equity | $47,079,667 | 1,672 |
| Average total loans | $359,044,333 | 1,564 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8353% | 397 |
| Cost of funding earning assets | 0.5303% | 3,595 |
| Net interest margin | 5.3050% | 197 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.9726% | 1,109 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.9036% | 568 |
| Return on assets (ROA) | 1.9036% | 564 |
| Pretax return on assets | 2.5501% | 336 |
| Return on Equity (ROE) | 20.7300% | 681 |
| Retained earnings to average equity (ytd only) | 20.7263% | 335 |
| Net charge-offs to loans | 0.0345% | 1,034 |
| Credit loss provision to net charge-offs | 677.4194% | 467 |
| Earnings coverage of net charge-offs (x) | 110.3548% | 740 |
| Efficiency ratio | 52.2473% | 3,755 |
| Assets per employee ($millions) | 6.2751% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 782 |
| Loan loss allowance to noncurrent loans | 216.3482% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 919 |
| Noncurrent loans to loans | 0.7932% | 971 |
| Net loans and leases to total assets | 69.7500% | 1,648 |
| Net loans and leases to deposits | 82.7623% | 1,591 |
| Net loans and leases to core deposits | 87.3415% | 1,781 |
| Total domestic deposits to total assets | 84.2800% | 3,033 |
| Equity capital to assets | 9.5129% | 2,134 |
| Core capital (leverage) ratio | 10.4489% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8703% | 1,662 |
| Memoranda: | ||
| Average total assets | $503,668,000 | 1,732 |
| Average earning assets | $477,435,000 | 1,712 |
| Average equity | $46,260,000 | 1,704 |
| Average total loans | $359,315,500 | 1,581 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 381 |
| Cost of funding earning assets | 0.1536% | 4,105 |
| Net interest margin | 4.7053% | 203 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.1345% | 787 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3683% | 1,213 |
| Return on assets (ROA) | 1.3571% | 1,215 |
| Pretax return on assets | 1.7776% | 775 |
| Return on Equity (ROE) | 15.4600% | 1,151 |
| Retained earnings to average equity (ytd only) | 9.2137% | 1,416 |
| Net charge-offs to loans | 0.0126% | 1,914 |
| Credit loss provision to net charge-offs | 1,875.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 233.9250% | 571 |
| Efficiency ratio | 61.6736% | 2,812 |
| Assets per employee ($millions) | 6.1625% | 2,628 |
| Cash dividends to net income (ytd only)* | 40.3896% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 901 |
| Loan loss allowance to noncurrent loans | 330.4566% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 1,440 |
| Noncurrent loans to loans | 0.4956% | 1,463 |
| Net loans and leases to total assets | 70.5300% | 1,581 |
| Net loans and leases to deposits | 81.9936% | 1,613 |
| Net loans and leases to core deposits | 85.5755% | 1,781 |
| Total domestic deposits to total assets | 86.0200% | 2,717 |
| Equity capital to assets | 8.8585% | 2,450 |
| Core capital (leverage) ratio | 10.0646% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1515% | 1,921 |
| Memoranda: | ||
| Average total assets | $480,370,600 | 1,769 |
| Average earning assets | $457,783,600 | 1,733 |
| Average equity | $42,176,400 | 1,852 |
| Average total loans | $318,672,400 | 1,644 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 399 |
| Cost of funding earning assets | 0.1056% | 4,240 |
| Net interest margin | 4.5294% | 225 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.0809% | 812 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2165% | 1,649 |
| Return on assets (ROA) | 1.2165% | 1,620 |
| Pretax return on assets | 1.5835% | 1,162 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 13.8886% | 479 |
| Net charge-offs to loans | 0.0065% | 1,916 |
| Credit loss provision to net charge-offs | 3,200.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 407.4000% | 379 |
| Efficiency ratio | 64.1941% | 2,518 |
| Assets per employee ($millions) | 6.0455% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 936 |
| Loan loss allowance to noncurrent loans | 301.5368% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 1,419 |
| Noncurrent loans to loans | 0.5513% | 1,441 |
| Net loans and leases to total assets | 67.8900% | 1,685 |
| Net loans and leases to deposits | 75.2986% | 1,935 |
| Net loans and leases to core deposits | 78.0938% | 2,035 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 9.0013% | 2,217 |
| Core capital (leverage) ratio | 10.7883% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3046% | 1,621 |
| Memoranda: | ||
| Average total assets | $474,132,000 | 1,801 |
| Average earning assets | $452,088,500 | 1,761 |
| Average equity | $41,529,500 | 1,899 |
| Average total loans | $307,751,250 | 1,677 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 387 |
| Cost of funding earning assets | 0.0929% | 4,262 |
| Net interest margin | 4.3831% | 232 |
| Noninterest income to average assets | 0.3804% | 2,869 |
| Noninterest expense to average assets | 3.0227% | 818 |
| Loan and lease loss provision to assets | 0.1028% | 971 |
| Net operating income to assets | 1.0961% | 1,784 |
| Return on assets (ROA) | 1.0961% | 1,764 |
| Pretax return on assets | 1.4375% | 1,337 |
| Return on Equity (ROE) | 12.6375% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.6375% | 509 |
| Net charge-offs to loans | 0.0115% | 1,557 |
| Credit loss provision to net charge-offs | 1,411.7647% | 321 |
| Earnings coverage of net charge-offs (x) | 211.5294% | 525 |
| Efficiency ratio | 66.2443% | 2,478 |
| Assets per employee ($millions) | 5.6880% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 863 |
| Loan loss allowance to noncurrent loans | 285.2356% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 1,380 |
| Noncurrent loans to loans | 0.6165% | 1,377 |
| Net loans and leases to total assets | 65.2591% | 1,785 |
| Net loans and leases to deposits | 72.4538% | 1,993 |
| Net loans and leases to core deposits | 74.0636% | 2,166 |
| Total domestic deposits to total assets | 90.0700% | 1,683 |
| Equity capital to assets | 8.2959% | 2,909 |
| Core capital (leverage) ratio | 9.4885% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5092% | 2,289 |
| Memoranda: | ||
| Average total assets | $466,932,333 | 1,826 |
| Average earning assets | $445,579,333 | 1,801 |
| Average equity | $40,498,667 | 1,976 |
| Average total loans | $296,246,667 | 1,723 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 499 |
| Cost of funding earning assets | 0.0913% | 4,248 |
| Net interest margin | 4.1273% | 322 |
| Noninterest income to average assets | 0.2551% | 3,615 |
| Noninterest expense to average assets | 3.0163% | 797 |
| Loan and lease loss provision to assets | 0.0856% | 971 |
| Net operating income to assets | 0.8553% | 2,469 |
| Return on assets (ROA) | 0.8553% | 2,461 |
| Pretax return on assets | 1.0993% | 2,146 |
| Return on Equity (ROE) | 9.6518% | 2,101 |
| Retained earnings to average equity (ytd only) | 9.6518% | 1,109 |
| Net charge-offs to loans | 0.0180% | 1,172 |
| Credit loss provision to net charge-offs | 769.2308% | 403 |
| Earnings coverage of net charge-offs (x) | 106.4615% | 655 |
| Efficiency ratio | 71.7954% | 2,004 |
| Assets per employee ($millions) | 5.6529% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 931 |
| Loan loss allowance to noncurrent loans | 169.1181% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 850 |
| Noncurrent loans to loans | 1.0454% | 865 |
| Net loans and leases to total assets | 63.6709% | 1,663 |
| Net loans and leases to deposits | 71.1833% | 1,846 |
| Net loans and leases to core deposits | 72.8126% | 2,041 |
| Total domestic deposits to total assets | 89.4464% | 1,843 |
| Equity capital to assets | 8.6351% | 3,038 |
| Core capital (leverage) ratio | 9.1646% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6196% | 2,374 |
| Memoranda: | ||
| Average total assets | $467,192,000 | 1,834 |
| Average earning assets | $446,685,000 | 1,803 |
| Average equity | $41,401,500 | 1,998 |
| Average total loans | $289,457,500 | 1,743 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 862 |
| Cost of funding earning assets | 0.1051% | 4,350 |
| Net interest margin | 4.1833% | 500 |
| Noninterest income to average assets | 0.9209% | 1,152 |
| Noninterest expense to average assets | 3.2328% | 693 |
| Loan and lease loss provision to assets | 0.2285% | 435 |
| Net operating income to assets | 1.1294% | 2,172 |
| Return on assets (ROA) | 1.1295% | 2,227 |
| Pretax return on assets | 1.4578% | 1,858 |
| Return on Equity (ROE) | 11.4053% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.5896% | 2,085 |
| Net charge-offs to loans | 0.0442% | 1,398 |
| Credit loss provision to net charge-offs | 853.4483% | 583 |
| Earnings coverage of net charge-offs (x) | 62.9655% | 1,144 |
| Efficiency ratio | 65.7218% | 2,300 |
| Assets per employee ($millions) | 5.5394% | 3,227 |
| Cash dividends to net income (ytd only)* | 42.2236% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 758 |
| Loan loss allowance to noncurrent loans | 157.6645% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 898 |
| Noncurrent loans to loans | 1.1901% | 809 |
| Net loans and leases to total assets | 58.0316% | 2,370 |
| Net loans and leases to deposits | 64.3095% | 2,662 |
| Net loans and leases to core deposits | 65.7625% | 2,843 |
| Total domestic deposits to total assets | 90.2380% | 850 |
| Equity capital to assets | 9.0849% | 3,533 |
| Core capital (leverage) ratio | 8.8719% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4825% | 2,055 |
| Memoranda: | ||
| Average total assets | $433,181,400 | 1,886 |
| Average earning assets | $414,007,200 | 1,856 |
| Average equity | $42,901,200 | 1,981 |
| Average total loans | $262,404,600 | 1,868 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 883 |
| Cost of funding earning assets | 0.1084% | 4,434 |
| Net interest margin | 4.2417% | 506 |
| Noninterest income to average assets | 0.9518% | 1,148 |
| Noninterest expense to average assets | 3.0969% | 825 |
| Loan and lease loss provision to assets | 0.2662% | 328 |
| Net operating income to assets | 1.2621% | 1,949 |
| Return on assets (ROA) | 1.2623% | 2,006 |
| Pretax return on assets | 1.6392% | 1,581 |
| Return on Equity (ROE) | 12.4596% | 1,882 |
| Retained earnings to average equity (ytd only) | 12.4596% | 733 |
| Net charge-offs to loans | 0.0593% | 1,046 |
| Credit loss provision to net charge-offs | 735.6522% | 625 |
| Earnings coverage of net charge-offs (x) | 52.6522% | 1,215 |
| Efficiency ratio | 61.9134% | 2,712 |
| Assets per employee ($millions) | 5.3800% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 727 |
| Loan loss allowance to noncurrent loans | 153.3957% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 1,034 |
| Noncurrent loans to loans | 1.2601% | 876 |
| Net loans and leases to total assets | 55.7244% | 2,756 |
| Net loans and leases to deposits | 62.1763% | 3,019 |
| Net loans and leases to core deposits | 63.3202% | 3,194 |
| Total domestic deposits to total assets | 89.6232% | 951 |
| Equity capital to assets | 9.6525% | 3,246 |
| Core capital (leverage) ratio | 9.3306% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2235% | 1,565 |
| Memoranda: | ||
| Average total assets | $423,765,000 | 1,934 |
| Average earning assets | $404,637,250 | 1,901 |
| Average equity | $42,932,500 | 2,009 |
| Average total loans | $258,389,500 | 1,917 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 820 |
| Cost of funding earning assets | 0.1139% | 4,477 |
| Net interest margin | 4.3156% | 480 |
| Noninterest income to average assets | 0.9893% | 1,090 |
| Noninterest expense to average assets | 3.0882% | 857 |
| Loan and lease loss provision to assets | 0.3067% | 275 |
| Net operating income to assets | 1.3166% | 1,814 |
| Return on assets (ROA) | 1.3170% | 1,881 |
| Pretax return on assets | 1.7089% | 1,459 |
| Return on Equity (ROE) | 12.7725% | 1,799 |
| Retained earnings to average equity (ytd only) | 12.7725% | 767 |
| Net charge-offs to loans | 0.0825% | 850 |
| Credit loss provision to net charge-offs | 594.3396% | 631 |
| Earnings coverage of net charge-offs (x) | 39.0472% | 1,182 |
| Efficiency ratio | 60.5133% | 2,943 |
| Assets per employee ($millions) | 5.4072% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 718 |
| Loan loss allowance to noncurrent loans | 139.8050% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 1,071 |
| Noncurrent loans to loans | 1.3681% | 851 |
| Net loans and leases to total assets | 55.0411% | 3,012 |
| Net loans and leases to deposits | 61.3399% | 3,268 |
| Net loans and leases to core deposits | 62.5415% | 3,415 |
| Total domestic deposits to total assets | 89.7312% | 903 |
| Equity capital to assets | 9.6156% | 3,236 |
| Core capital (leverage) ratio | 9.8239% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6295% | 1,439 |
| Memoranda: | ||
| Average total assets | $410,794,333 | 1,971 |
| Average earning assets | $391,605,667 | 1,949 |
| Average equity | $42,356,667 | 2,020 |
| Average total loans | $256,884,000 | 1,929 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 580 |
| Cost of funding earning assets | 0.1189% | 4,527 |
| Net interest margin | 4.5718% | 324 |
| Noninterest income to average assets | 1.0136% | 1,107 |
| Noninterest expense to average assets | 3.1766% | 737 |
| Loan and lease loss provision to assets | 0.3598% | 231 |
| Net operating income to assets | 1.4074% | 1,558 |
| Return on assets (ROA) | 1.4074% | 1,628 |
| Pretax return on assets | 1.8268% | 1,241 |
| Return on Equity (ROE) | 13.1325% | 1,639 |
| Retained earnings to average equity (ytd only) | 13.1325% | 891 |
| Net charge-offs to loans | 0.0543% | 967 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 60.7714% | 816 |
| Efficiency ratio | 59.2294% | 3,121 |
| Assets per employee ($millions) | 4.6785% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 911 |
| Loan loss allowance to noncurrent loans | 130.1171% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 942 |
| Noncurrent loans to loans | 1.3635% | 936 |
| Net loans and leases to total assets | 64.9611% | 1,924 |
| Net loans and leases to deposits | 73.5020% | 2,157 |
| Net loans and leases to core deposits | 75.0538% | 2,425 |
| Total domestic deposits to total assets | 88.3800% | 1,663 |
| Equity capital to assets | 10.5922% | 2,179 |
| Core capital (leverage) ratio | 10.4442% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1983% | 1,250 |
| Memoranda: | ||
| Average total assets | $389,091,000 | 2,033 |
| Average earning assets | $370,181,000 | 2,001 |
| Average equity | $41,698,000 | 2,029 |
| Average total loans | $257,890,000 | 1,925 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,159 |
| Cost of funding earning assets | 0.1628% | 4,695 |
| Net interest margin | 4.4056% | 402 |
| Noninterest income to average assets | 1.2077% | 766 |
| Noninterest expense to average assets | 3.7929% | 462 |
| Loan and lease loss provision to assets | 0.4346% | 659 |
| Net operating income to assets | 0.9207% | 2,609 |
| Return on assets (ROA) | 0.9221% | 2,738 |
| Pretax return on assets | 1.1365% | 2,563 |
| Return on Equity (ROE) | 9.4439% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.4086% | 3,119 |
| Net charge-offs to loans | 0.1878% | 907 |
| Credit loss provision to net charge-offs | 345.4545% | 1,593 |
| Earnings coverage of net charge-offs (x) | 12.4750% | 2,333 |
| Efficiency ratio | 70.7331% | 1,849 |
| Assets per employee ($millions) | 4.5845% | 3,828 |
| Cash dividends to net income (ytd only)* | 63.9070% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 994 |
| Loan loss allowance to noncurrent loans | 147.3417% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 1,321 |
| Noncurrent loans to loans | 1.1682% | 1,217 |
| Net loans and leases to total assets | 65.2890% | 2,188 |
| Net loans and leases to deposits | 73.8654% | 2,499 |
| Net loans and leases to core deposits | 75.5453% | 2,765 |
| Total domestic deposits to total assets | 88.3891% | 1,281 |
| Equity capital to assets | 10.8469% | 2,389 |
| Core capital (leverage) ratio | 10.4992% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9757% | 1,268 |
| Memoranda: | ||
| Average total assets | $349,756,400 | 2,057 |
| Average earning assets | $329,833,600 | 2,025 |
| Average equity | $34,149,000 | 2,275 |
| Average total loans | $234,249,600 | 2,004 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,470 |
| Cost of funding earning assets | 0.1740% | 4,745 |
| Net interest margin | 4.3693% | 499 |
| Noninterest income to average assets | 1.1728% | 770 |
| Noninterest expense to average assets | 3.7407% | 491 |
| Loan and lease loss provision to assets | 0.4698% | 660 |
| Net operating income to assets | 0.8808% | 2,770 |
| Return on assets (ROA) | 0.8805% | 2,902 |
| Pretax return on assets | 1.0738% | 2,835 |
| Return on Equity (ROE) | 9.3053% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.3053% | 907 |
| Net charge-offs to loans | 0.1992% | 767 |
| Credit loss provision to net charge-offs | 351.3120% | 1,604 |
| Earnings coverage of net charge-offs (x) | 11.5481% | 2,297 |
| Efficiency ratio | 70.7848% | 1,776 |
| Assets per employee ($millions) | 4.8007% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,204 |
| Loan loss allowance to noncurrent loans | 241.9789% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 2,231 |
| Noncurrent loans to loans | 0.6450% | 2,179 |
| Net loans and leases to total assets | 67.0413% | 2,383 |
| Net loans and leases to deposits | 79.3228% | 2,388 |
| Net loans and leases to core deposits | 81.0284% | 2,749 |
| Total domestic deposits to total assets | 84.5170% | 2,624 |
| Equity capital to assets | 8.7197% | 4,314 |
| Core capital (leverage) ratio | 8.7827% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3563% | 2,048 |
| Memoranda: | ||
| Average total assets | $342,067,250 | 2,067 |
| Average earning assets | $321,902,250 | 2,047 |
| Average equity | $32,367,750 | 2,354 |
| Average total loans | $229,616,000 | 2,036 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,339 |
| Cost of funding earning assets | 0.1797% | 4,811 |
| Net interest margin | 4.5484% | 455 |
| Noninterest income to average assets | 1.1609% | 740 |
| Noninterest expense to average assets | 3.8435% | 479 |
| Loan and lease loss provision to assets | 0.5177% | 671 |
| Net operating income to assets | 0.8779% | 2,782 |
| Return on assets (ROA) | 0.8779% | 2,896 |
| Pretax return on assets | 1.0641% | 2,825 |
| Return on Equity (ROE) | 8.9971% | 2,362 |
| Retained earnings to average equity (ytd only) | 8.9971% | 1,007 |
| Net charge-offs to loans | 0.2350% | 669 |
| Credit loss provision to net charge-offs | 330.0781% | 1,553 |
| Earnings coverage of net charge-offs (x) | 10.0859% | 2,175 |
| Efficiency ratio | 70.8446% | 1,841 |
| Assets per employee ($millions) | 4.5952% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,177 |
| Loan loss allowance to noncurrent loans | 218.8209% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,096 |
| Noncurrent loans to loans | 0.6995% | 2,129 |
| Net loans and leases to total assets | 65.8996% | 2,642 |
| Net loans and leases to deposits | 79.5382% | 2,484 |
| Net loans and leases to core deposits | 81.2605% | 2,843 |
| Total domestic deposits to total assets | 82.8528% | 3,127 |
| Equity capital to assets | 8.7604% | 4,300 |
| Core capital (leverage) ratio | 9.0690% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5790% | 1,966 |
| Memoranda: | ||
| Average total assets | $326,472,000 | 2,109 |
| Average earning assets | $306,085,667 | 2,096 |
| Average equity | $31,854,667 | 2,370 |
| Average total loans | $217,879,667 | 2,101 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 978 |
| Cost of funding earning assets | 0.1837% | 4,919 |
| Net interest margin | 4.8121% | 270 |
| Noninterest income to average assets | 0.9665% | 921 |
| Noninterest expense to average assets | 4.3425% | 355 |
| Loan and lease loss provision to assets | 0.2589% | 1,202 |
| Net operating income to assets | 0.7328% | 3,157 |
| Return on assets (ROA) | 0.7328% | 3,244 |
| Pretax return on assets | 0.8510% | 3,284 |
| Return on Equity (ROE) | 7.0595% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.0595% | 1,517 |
| Net charge-offs to loans | 0.2750% | 533 |
| Credit loss provision to net charge-offs | 141.3043% | 1,616 |
| Earnings coverage of net charge-offs (x) | 6.0580% | 2,007 |
| Efficiency ratio | 79.6445% | 1,178 |
| Assets per employee ($millions) | 3.8826% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,000 |
| Loan loss allowance to noncurrent loans | 182.8571% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 944 |
| Noncurrent loans to loans | 0.8900% | 1,834 |
| Net loans and leases to total assets | 65.5891% | 2,863 |
| Net loans and leases to deposits | 76.1630% | 3,058 |
| Net loans and leases to core deposits | 78.1892% | 3,342 |
| Total domestic deposits to total assets | 86.1168% | 1,959 |
| Equity capital to assets | 10.3536% | 3,469 |
| Core capital (leverage) ratio | 10.0669% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4396% | 2,100 |
| Memoranda: | ||
| Average total assets | $301,304,000 | 2,201 |
| Average earning assets | $280,878,000 | 2,193 |
| Average equity | $31,277,000 | 2,385 |
| Average total loans | $200,732,000 | 2,177 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 901 |
| Cost of funding earning assets | 0.1800% | 4,998 |
| Net interest margin | 5.0735% | 227 |
| Noninterest income to average assets | 1.0977% | 793 |
| Noninterest expense to average assets | 4.2711% | 385 |
| Loan and lease loss provision to assets | 0.2998% | 560 |
| Net operating income to assets | 1.0289% | 2,736 |
| Return on assets (ROA) | 1.0336% | 2,811 |
| Pretax return on assets | 1.2574% | 2,646 |
| Return on Equity (ROE) | 10.0026% | 2,298 |
| Retained earnings to average equity (ytd only) | 3.7881% | 3,083 |
| Net charge-offs to loans | 0.3482% | 580 |
| Credit loss provision to net charge-offs | 136.2229% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.0495% | 2,908 |
| Efficiency ratio | 73.3544% | 1,677 |
| Assets per employee ($millions) | 3.8427% | 4,105 |
| Cash dividends to net income (ytd only)* | 62.1292% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 868 |
| Loan loss allowance to noncurrent loans | 155.3181% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 740 |
| Noncurrent loans to loans | 1.0693% | 1,417 |
| Net loans and leases to total assets | 65.4606% | 3,017 |
| Net loans and leases to deposits | 73.8360% | 3,368 |
| Net loans and leases to core deposits | 75.8873% | 3,582 |
| Total domestic deposits to total assets | 88.6567% | 817 |
| Equity capital to assets | 10.4084% | 3,536 |
| Core capital (leverage) ratio | 9.7569% | 3,782 |
| Tier 1 risk-based capital ratio | 13.3507% | 3,606 |
| Total risk-based capital ratio | 14.6038% | 3,491 |
| Memoranda: | ||
| Average total assets | $293,532,000 | 2,197 |
| Average earning assets | $273,361,000 | 2,188 |
| Average equity | $30,332,200 | 2,372 |
| Average total loans | $185,543,600 | 2,270 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 1,019 |
| Cost of funding earning assets | 0.1789% | 5,075 |
| Net interest margin | 5.0344% | 271 |
| Noninterest income to average assets | 1.0350% | 867 |
| Noninterest expense to average assets | 4.2401% | 392 |
| Loan and lease loss provision to assets | 0.3095% | 469 |
| Net operating income to assets | 0.9812% | 3,045 |
| Return on assets (ROA) | 0.9877% | 3,102 |
| Pretax return on assets | 1.1811% | 3,040 |
| Return on Equity (ROE) | 9.5753% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.5753% | 874 |
| Net charge-offs to loans | 0.3379% | 508 |
| Credit loss provision to net charge-offs | 146.8683% | 1,666 |
| Earnings coverage of net charge-offs (x) | 7.0367% | 2,780 |
| Efficiency ratio | 74.0894% | 1,553 |
| Assets per employee ($millions) | 3.9060% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 792 |
| Loan loss allowance to noncurrent loans | 146.1159% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 822 |
| Noncurrent loans to loans | 1.1747% | 1,346 |
| Net loans and leases to total assets | 61.1545% | 3,573 |
| Net loans and leases to deposits | 69.0493% | 3,837 |
| Net loans and leases to core deposits | 70.9193% | 4,003 |
| Total domestic deposits to total assets | 88.5664% | 796 |
| Equity capital to assets | 10.4880% | 3,552 |
| Core capital (leverage) ratio | 10.1126% | 3,520 |
| Tier 1 risk-based capital ratio | 14.4164% | 3,128 |
| Total risk-based capital ratio | 15.6701% | 3,032 |
| Memoranda: | ||
| Average total assets | $292,943,750 | 2,215 |
| Average earning assets | $272,785,500 | 2,206 |
| Average equity | $30,216,000 | 2,392 |
| Average total loans | $182,689,750 | 2,312 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 933 |
| Cost of funding earning assets | 0.1838% | 5,109 |
| Net interest margin | 5.0428% | 265 |
| Noninterest income to average assets | 0.9971% | 876 |
| Noninterest expense to average assets | 4.2438% | 388 |
| Loan and lease loss provision to assets | 0.3529% | 366 |
| Net operating income to assets | 0.9263% | 3,186 |
| Return on assets (ROA) | 0.9328% | 3,216 |
| Pretax return on assets | 1.0974% | 3,237 |
| Return on Equity (ROE) | 9.0968% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.0968% | 1,005 |
| Net charge-offs to loans | 0.3404% | 497 |
| Credit loss provision to net charge-offs | 166.1238% | 1,388 |
| Earnings coverage of net charge-offs (x) | 6.7915% | 2,541 |
| Efficiency ratio | 74.6289% | 1,567 |
| Assets per employee ($millions) | 3.8525% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 762 |
| Loan loss allowance to noncurrent loans | 165.8137% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 890 |
| Noncurrent loans to loans | 1.0507% | 1,557 |
| Net loans and leases to total assets | 61.6035% | 3,587 |
| Net loans and leases to deposits | 69.4520% | 3,885 |
| Net loans and leases to core deposits | 71.1026% | 4,055 |
| Total domestic deposits to total assets | 88.6994% | 788 |
| Equity capital to assets | 10.4116% | 3,594 |
| Core capital (leverage) ratio | 10.1623% | 3,426 |
| Tier 1 risk-based capital ratio | 14.2140% | 3,201 |
| Total risk-based capital ratio | 15.4679% | 3,113 |
| Memoranda: | ||
| Average total assets | $289,034,670 | 2,243 |
| Average earning assets | $268,777,330 | 2,238 |
| Average equity | $29,636,670 | 2,422 |
| Average total loans | $180,395,000 | 2,339 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 737 |
| Cost of funding earning assets | 0.1916% | 5,134 |
| Net interest margin | 5.1228% | 232 |
| Noninterest income to average assets | 0.9690% | 882 |
| Noninterest expense to average assets | 4.4132% | 326 |
| Loan and lease loss provision to assets | 0.2945% | 445 |
| Net operating income to assets | 0.8877% | 3,281 |
| Return on assets (ROA) | 0.8877% | 3,334 |
| Pretax return on assets | 1.0237% | 3,368 |
| Return on Equity (ROE) | 8.7273% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.7273% | 1,409 |
| Net charge-offs to loans | 0.5113% | 292 |
| Credit loss provision to net charge-offs | 92.5110% | 1,695 |
| Earnings coverage of net charge-offs (x) | 4.1410% | 2,346 |
| Efficiency ratio | 77.0002% | 1,378 |
| Assets per employee ($millions) | 3.6422% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 926 |
| Loan loss allowance to noncurrent loans | 164.1304% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 928 |
| Noncurrent loans to loans | 1.0159% | 1,640 |
| Net loans and leases to total assets | 61.8970% | 3,515 |
| Net loans and leases to deposits | 69.6931% | 3,784 |
| Net loans and leases to core deposits | 72.2395% | 3,932 |
| Total domestic deposits to total assets | 88.8137% | 954 |
| Equity capital to assets | 10.2997% | 3,523 |
| Core capital (leverage) ratio | 10.0542% | 3,542 |
| Tier 1 risk-based capital ratio | 14.2170% | 3,236 |
| Total risk-based capital ratio | 15.4701% | 3,159 |
| Memoranda: | ||
| Average total assets | $285,232,500 | 2,283 |
| Average earning assets | $265,169,000 | 2,282 |
| Average equity | $29,012,500 | 2,464 |
| Average total loans | $177,602,500 | 2,390 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 798 |
| Cost of funding earning assets | 0.1475% | 5,177 |
| Net interest margin | 4.9831% | 270 |
| Noninterest income to average assets | 1.0513% | 855 |
| Noninterest expense to average assets | 4.2846% | 369 |
| Loan and lease loss provision to assets | 0.4402% | 295 |
| Net operating income to assets | 0.8362% | 3,663 |
| Return on assets (ROA) | 0.9158% | 3,370 |
| Pretax return on assets | 1.0537% | 3,432 |
| Return on Equity (ROE) | 9.2213% | 2,880 |
| Retained earnings to average equity (ytd only) | 4.9097% | 2,819 |
| Net charge-offs to loans | 0.3714% | 512 |
| Credit loss provision to net charge-offs | 194.8357% | 1,477 |
| Earnings coverage of net charge-offs (x) | 6.2066% | 3,109 |
| Efficiency ratio | 75.3404% | 1,448 |
| Assets per employee ($millions) | 3.4479% | 4,610 |
| Cash dividends to net income (ytd only)* | 46.7568% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 768 |
| Loan loss allowance to noncurrent loans | 159.5901% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 852 |
| Noncurrent loans to loans | 1.0931% | 1,486 |
| Net loans and leases to total assets | 60.4989% | 3,713 |
| Net loans and leases to deposits | 67.7292% | 4,000 |
| Net loans and leases to core deposits | 70.8910% | 4,070 |
| Total domestic deposits to total assets | 89.3248% | 722 |
| Equity capital to assets | 10.0411% | 3,645 |
| Core capital (leverage) ratio | 9.6402% | 3,956 |
| Tier 1 risk-based capital ratio | 14.3607% | 3,138 |
| Total risk-based capital ratio | 15.6146% | 3,047 |
| Memoranda: | ||
| Average total assets | $282,800,600 | 2,252 |
| Average earning assets | $263,087,800 | 2,242 |
| Average equity | $28,087,000 | 2,452 |
| Average total loans | $172,069,400 | 2,421 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 831 |
| Cost of funding earning assets | 0.1500% | 5,216 |
| Net interest margin | 4.9043% | 315 |
| Noninterest income to average assets | 1.0786% | 811 |
| Noninterest expense to average assets | 4.2603% | 369 |
| Loan and lease loss provision to assets | 0.4879% | 234 |
| Net operating income to assets | 0.7894% | 3,943 |
| Return on assets (ROA) | 0.8976% | 3,544 |
| Pretax return on assets | 1.0141% | 3,677 |
| Return on Equity (ROE) | 9.0627% | 3,048 |
| Retained earnings to average equity (ytd only) | 9.0627% | 1,190 |
| Net charge-offs to loans | 0.4096% | 395 |
| Credit loss provision to net charge-offs | 196.3947% | 1,399 |
| Earnings coverage of net charge-offs (x) | 5.5560% | 2,953 |
| Efficiency ratio | 75.5286% | 1,407 |
| Assets per employee ($millions) | 3.6887% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 865 |
| Loan loss allowance to noncurrent loans | 215.3114% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 1,245 |
| Noncurrent loans to loans | 0.7898% | 2,128 |
| Net loans and leases to total assets | 58.2999% | 4,008 |
| Net loans and leases to deposits | 65.0705% | 4,268 |
| Net loans and leases to core deposits | 69.0540% | 4,244 |
| Total domestic deposits to total assets | 89.5950% | 639 |
| Equity capital to assets | 9.8069% | 3,813 |
| Core capital (leverage) ratio | 9.8211% | 3,828 |
| Tier 1 risk-based capital ratio | 14.8140% | 2,963 |
| Total risk-based capital ratio | 16.0675% | 2,881 |
| Memoranda: | ||
| Average total assets | $282,818,500 | 2,262 |
| Average earning assets | $263,083,250 | 2,249 |
| Average equity | $28,011,500 | 2,456 |
| Average total loans | $171,565,500 | 2,438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 810 |
| Cost of funding earning assets | 0.1575% | 5,214 |
| Net interest margin | 4.8468% | 340 |
| Noninterest income to average assets | 1.0352% | 900 |
| Noninterest expense to average assets | 4.2300% | 396 |
| Loan and lease loss provision to assets | 0.4929% | 230 |
| Net operating income to assets | 0.7209% | 4,135 |
| Return on assets (ROA) | 0.8837% | 3,533 |
| Pretax return on assets | 1.0037% | 3,651 |
| Return on Equity (ROE) | 8.8920% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.8920% | 1,254 |
| Net charge-offs to loans | 0.4359% | 352 |
| Credit loss provision to net charge-offs | 184.9866% | 1,375 |
| Earnings coverage of net charge-offs (x) | 4.9223% | 2,757 |
| Efficiency ratio | 76.3311% | 1,385 |
| Assets per employee ($millions) | 3.6245% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,227 |
| Loan loss allowance to noncurrent loans | 288.9590% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 1,587 |
| Noncurrent loans to loans | 0.5376% | 2,805 |
| Net loans and leases to total assets | 60.0591% | 3,805 |
| Net loans and leases to deposits | 66.9625% | 4,104 |
| Net loans and leases to core deposits | 71.3792% | 4,054 |
| Total domestic deposits to total assets | 89.6907% | 667 |
| Equity capital to assets | 9.7203% | 3,898 |
| Core capital (leverage) ratio | 9.8353% | 3,748 |
| Tier 1 risk-based capital ratio | 14.2965% | 3,208 |
| Total risk-based capital ratio | 15.5486% | 3,132 |
| Memoranda: | ||
| Average total assets | $279,955,670 | 2,289 |
| Average earning assets | $260,295,000 | 2,276 |
| Average equity | $27,822,670 | 2,480 |
| Average total loans | $171,144,330 | 2,450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 746 |
| Cost of funding earning assets | 0.1798% | 5,116 |
| Net interest margin | 4.7874% | 354 |
| Noninterest income to average assets | 1.0635% | 812 |
| Noninterest expense to average assets | 4.4691% | 304 |
| Loan and lease loss provision to assets | 0.5019% | 208 |
| Net operating income to assets | 0.4907% | 4,716 |
| Return on assets (ROA) | 0.8351% | 3,589 |
| Pretax return on assets | 0.9296% | 3,756 |
| Return on Equity (ROE) | 8.3064% | 3,242 |
| Retained earnings to average equity (ytd only) | 8.3064% | 1,728 |
| Net charge-offs to loans | 0.4350% | 355 |
| Credit loss provision to net charge-offs | 188.5246% | 1,079 |
| Earnings coverage of net charge-offs (x) | 3.9399% | 2,345 |
| Efficiency ratio | 80.9913% | 1,042 |
| Assets per employee ($millions) | 3.6389% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,457 |
| Loan loss allowance to noncurrent loans | 314.3030% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 1,634 |
| Noncurrent loans to loans | 0.4783% | 3,082 |
| Net loans and leases to total assets | 60.6355% | 3,688 |
| Net loans and leases to deposits | 67.6102% | 3,977 |
| Net loans and leases to core deposits | 72.6596% | 3,909 |
| Total domestic deposits to total assets | 89.6839% | 789 |
| Equity capital to assets | 9.8614% | 3,741 |
| Core capital (leverage) ratio | 9.8899% | 3,661 |
| Tier 1 risk-based capital ratio | 14.4666% | 3,137 |
| Total risk-based capital ratio | 15.7177% | 3,047 |
| Memoranda: | ||
| Average total assets | $274,953,000 | 2,340 |
| Average earning assets | $255,838,500 | 2,323 |
| Average equity | $27,641,500 | 2,515 |
| Average total loans | $168,268,500 | 2,492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,401 |
| Cost of funding earning assets | 0.1314% | 5,360 |
| Net interest margin | 4.4780% | 647 |
| Noninterest income to average assets | 1.0135% | 987 |
| Noninterest expense to average assets | 4.1605% | 439 |
| Loan and lease loss provision to assets | 0.2045% | 1,006 |
| Net operating income to assets | 0.7286% | 3,477 |
| Return on assets (ROA) | 0.7476% | 3,439 |
| Pretax return on assets | 0.8284% | 4,174 |
| Return on Equity (ROE) | 7.2858% | 3,127 |
| Retained earnings to average equity (ytd only) | 1.2030% | 4,541 |
| Net charge-offs to loans | 0.3917% | 641 |
| Credit loss provision to net charge-offs | 92.8690% | 2,728 |
| Earnings coverage of net charge-offs (x) | 4.5937% | 3,445 |
| Efficiency ratio | 80.4392% | 1,064 |
| Assets per employee ($millions) | 3.5028% | 4,693 |
| Cash dividends to net income (ytd only)* | 83.4880% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,472 |
| Loan loss allowance to noncurrent loans | 243.5872% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,467 |
| Noncurrent loans to loans | 0.6084% | 2,712 |
| Net loans and leases to total assets | 59.9217% | 3,841 |
| Net loans and leases to deposits | 67.2450% | 4,085 |
| Net loans and leases to core deposits | 74.0359% | 3,874 |
| Total domestic deposits to total assets | 89.1095% | 956 |
| Equity capital to assets | 10.2524% | 3,431 |
| Core capital (leverage) ratio | 9.7972% | 3,700 |
| Tier 1 risk-based capital ratio | 14.7567% | 2,955 |
| Total risk-based capital ratio | 16.0077% | 2,892 |
| Memoranda: | ||
| Average total assets | $273,791,400 | 2,325 |
| Average earning assets | $254,267,200 | 2,321 |
| Average equity | $28,095,800 | 2,484 |
| Average total loans | $153,935,200 | 2,613 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,613 |
| Cost of funding earning assets | 0.1254% | 5,451 |
| Net interest margin | 4.3855% | 747 |
| Noninterest income to average assets | 1.0130% | 1,000 |
| Noninterest expense to average assets | 4.1162% | 450 |
| Loan and lease loss provision to assets | 0.1310% | 1,657 |
| Net operating income to assets | 0.7481% | 3,747 |
| Return on assets (ROA) | 0.7637% | 3,737 |
| Pretax return on assets | 0.8544% | 4,198 |
| Return on Equity (ROE) | 7.4401% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,466 |
| Net charge-offs to loans | 0.4200% | 500 |
| Credit loss provision to net charge-offs | 56.6038% | 2,845 |
| Earnings coverage of net charge-offs (x) | 4.1824% | 3,257 |
| Efficiency ratio | 80.9619% | 1,002 |
| Assets per employee ($millions) | 3.5443% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,830 |
| Loan loss allowance to noncurrent loans | 215.9048% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 1,634 |
| Noncurrent loans to loans | 0.6562% | 2,737 |
| Net loans and leases to total assets | 57.0634% | 4,149 |
| Net loans and leases to deposits | 64.1309% | 4,373 |
| Net loans and leases to core deposits | 68.6671% | 4,321 |
| Total domestic deposits to total assets | 88.9796% | 901 |
| Equity capital to assets | 10.5541% | 3,307 |
| Core capital (leverage) ratio | 10.1310% | 3,405 |
| Tier 1 risk-based capital ratio | 15.7141% | 2,623 |
| Total risk-based capital ratio | 16.9645% | 2,562 |
| Memoranda: | ||
| Average total assets | $274,811,250 | 2,332 |
| Average earning assets | $255,108,500 | 2,332 |
| Average equity | $28,206,750 | 2,494 |
| Average total loans | $151,407,250 | 2,658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,858 |
| Cost of funding earning assets | 0.1258% | 5,475 |
| Net interest margin | 4.2620% | 950 |
| Noninterest income to average assets | 1.0202% | 976 |
| Noninterest expense to average assets | 4.0341% | 505 |
| Loan and lease loss provision to assets | 0.0328% | 3,338 |
| Net operating income to assets | 0.7810% | 3,481 |
| Return on assets (ROA) | 0.8036% | 3,442 |
| Pretax return on assets | 0.9327% | 3,819 |
| Return on Equity (ROE) | 7.9044% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.9044% | 1,204 |
| Net charge-offs to loans | 0.4780% | 414 |
| Credit loss provision to net charge-offs | 12.6761% | 2,830 |
| Earnings coverage of net charge-offs (x) | 3.6282% | 3,020 |
| Efficiency ratio | 81.1144% | 1,094 |
| Assets per employee ($millions) | 3.6006% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,018 |
| Loan loss allowance to noncurrent loans | 323.9521% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,854 |
| Noncurrent loans to loans | 0.4273% | 3,482 |
| Net loans and leases to total assets | 54.8973% | 4,324 |
| Net loans and leases to deposits | 61.5553% | 4,528 |
| Net loans and leases to core deposits | 66.3726% | 4,445 |
| Total domestic deposits to total assets | 89.1838% | 867 |
| Equity capital to assets | 10.2444% | 3,622 |
| Core capital (leverage) ratio | 10.0945% | 3,413 |
| Tier 1 risk-based capital ratio | 15.7615% | 2,597 |
| Total risk-based capital ratio | 17.0005% | 2,538 |
| Memoranda: | ||
| Average total assets | $274,264,330 | 2,345 |
| Average earning assets | $254,389,670 | 2,344 |
| Average equity | $27,883,330 | 2,513 |
| Average total loans | $148,536,330 | 2,692 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 1,942 |
| Cost of funding earning assets | 0.1211% | 5,553 |
| Net interest margin | 4.1842% | 1,021 |
| Noninterest income to average assets | 0.9403% | 1,134 |
| Noninterest expense to average assets | 4.3517% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4989% | 4,602 |
| Return on assets (ROA) | 0.5668% | 4,342 |
| Pretax return on assets | 0.5329% | 4,892 |
| Return on Equity (ROE) | 5.5978% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.5978% | 2,543 |
| Net charge-offs to loans | 0.1410% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.1765% | 2,231 |
| Efficiency ratio | 90.3463% | 541 |
| Assets per employee ($millions) | 3.4399% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,194 |
| Loan loss allowance to noncurrent loans | 150.2170% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,277 |
| Noncurrent loans to loans | 1.1168% | 1,831 |
| Net loans and leases to total assets | 52.2555% | 4,492 |
| Net loans and leases to deposits | 58.4991% | 4,666 |
| Net loans and leases to core deposits | 62.0764% | 4,654 |
| Total domestic deposits to total assets | 89.3271% | 991 |
| Equity capital to assets | 10.1894% | 3,516 |
| Core capital (leverage) ratio | 10.0169% | 3,472 |
| Tier 1 risk-based capital ratio | 16.0431% | 2,530 |
| Total risk-based capital ratio | 17.2956% | 2,482 |
| Memoranda: | ||
| Average total assets | $270,973,500 | 2,389 |
| Average earning assets | $251,038,000 | 2,391 |
| Average equity | $27,439,500 | 2,550 |
| Average total loans | $144,634,000 | 2,757 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 1,604 |
| Cost of funding earning assets | 0.1292% | 5,555 |
| Net interest margin | 4.3491% | 853 |
| Noninterest income to average assets | 1.0572% | 1,007 |
| Noninterest expense to average assets | 4.2276% | 473 |
| Loan and lease loss provision to assets | 0.0206% | 3,957 |
| Net operating income to assets | 0.7560% | 3,511 |
| Return on assets (ROA) | 0.8750% | 3,063 |
| Pretax return on assets | 1.0229% | 3,393 |
| Return on Equity (ROE) | 8.2928% | 2,788 |
| Retained earnings to average equity (ytd only) | 0.7533% | 5,024 |
| Net charge-offs to loans | 0.0864% | 2,464 |
| Credit loss provision to net charge-offs | 43.4109% | 3,460 |
| Earnings coverage of net charge-offs (x) | 19.0698% | 1,931 |
| Efficiency ratio | 82.3643% | 1,165 |
| Assets per employee ($millions) | 3.2950% | 5,052 |
| Cash dividends to net income (ytd only)* | 90.9167% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,124 |
| Loan loss allowance to noncurrent loans | 268.3297% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 1,741 |
| Noncurrent loans to loans | 0.6366% | 2,946 |
| Net loans and leases to total assets | 52.6899% | 4,556 |
| Net loans and leases to deposits | 58.9003% | 4,740 |
| Net loans and leases to core deposits | 62.3164% | 4,738 |
| Total domestic deposits to total assets | 89.4561% | 877 |
| Equity capital to assets | 10.0628% | 3,660 |
| Core capital (leverage) ratio | 9.6988% | 3,859 |
| Tier 1 risk-based capital ratio | 15.8349% | 2,615 |
| Total risk-based capital ratio | 17.0878% | 2,538 |
| Memoranda: | ||
| Average total assets | $271,764,800 | 2,348 |
| Average earning assets | $254,673,800 | 2,325 |
| Average equity | $28,675,600 | 2,476 |
| Average total loans | $149,275,200 | 2,654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,562 |
| Cost of funding earning assets | 0.1304% | 5,610 |
| Net interest margin | 4.3635% | 829 |
| Noninterest income to average assets | 1.0503% | 1,028 |
| Noninterest expense to average assets | 4.1764% | 493 |
| Loan and lease loss provision to assets | 0.0274% | 3,694 |
| Net operating income to assets | 0.7913% | 3,409 |
| Return on assets (ROA) | 0.9460% | 2,807 |
| Pretax return on assets | 1.1287% | 3,114 |
| Return on Equity (ROE) | 8.8635% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.8635% | 860 |
| Net charge-offs to loans | 0.0807% | 2,170 |
| Credit loss provision to net charge-offs | 61.5385% | 2,890 |
| Earnings coverage of net charge-offs (x) | 21.8023% | 1,799 |
| Efficiency ratio | 81.1209% | 1,284 |
| Assets per employee ($millions) | 3.3592% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 1,277 |
| Loan loss allowance to noncurrent loans | 304.8544% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 2,146 |
| Noncurrent loans to loans | 0.5489% | 3,353 |
| Net loans and leases to total assets | 53.5835% | 4,530 |
| Net loans and leases to deposits | 60.5973% | 4,711 |
| Net loans and leases to core deposits | 65.0002% | 4,669 |
| Total domestic deposits to total assets | 88.4257% | 1,179 |
| Equity capital to assets | 10.9067% | 3,118 |
| Core capital (leverage) ratio | 10.3952% | 3,115 |
| Tier 1 risk-based capital ratio | 17.0028% | 2,224 |
| Total risk-based capital ratio | 18.2559% | 2,183 |
| Memoranda: | ||
| Average total assets | $272,157,500 | 2,352 |
| Average earning assets | $255,597,750 | 2,325 |
| Average equity | $29,047,250 | 2,452 |
| Average total loans | $150,384,250 | 2,636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,700 |
| Cost of funding earning assets | 0.1336% | 5,659 |
| Net interest margin | 4.3092% | 907 |
| Noninterest income to average assets | 0.9909% | 1,135 |
| Noninterest expense to average assets | 4.0773% | 546 |
| Loan and lease loss provision to assets | 0.0413% | 3,332 |
| Net operating income to assets | 0.8376% | 3,141 |
| Return on assets (ROA) | 0.9105% | 2,944 |
| Pretax return on assets | 1.0249% | 3,494 |
| Return on Equity (ROE) | 8.5947% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.5947% | 973 |
| Net charge-offs to loans | 0.0292% | 2,892 |
| Credit loss provision to net charge-offs | 254.5455% | 1,082 |
| Earnings coverage of net charge-offs (x) | 60.6364% | 872 |
| Efficiency ratio | 80.5539% | 1,438 |
| Assets per employee ($millions) | 3.2294% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,259 |
| Loan loss allowance to noncurrent loans | 104.6210% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 2,316 |
| Noncurrent loans to loans | 1.6330% | 1,309 |
| Net loans and leases to total assets | 55.3981% | 4,368 |
| Net loans and leases to deposits | 62.7021% | 4,595 |
| Net loans and leases to core deposits | 68.1895% | 4,459 |
| Total domestic deposits to total assets | 88.3513% | 1,246 |
| Equity capital to assets | 11.0268% | 3,033 |
| Core capital (leverage) ratio | 10.2360% | 3,286 |
| Tier 1 risk-based capital ratio | 16.4556% | 2,448 |
| Total risk-based capital ratio | 17.7094% | 2,386 |
| Memoranda: | ||
| Average total assets | $271,058,670 | 2,375 |
| Average earning assets | $256,057,330 | 2,333 |
| Average equity | $28,715,330 | 2,478 |
| Average total loans | $150,475,670 | 2,639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,137 |
| Cost of funding earning assets | 0.1345% | 5,722 |
| Net interest margin | 4.1660% | 1,184 |
| Noninterest income to average assets | 0.9025% | 1,306 |
| Noninterest expense to average assets | 3.8581% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8584% | 2,954 |
| Return on assets (ROA) | 0.9656% | 2,544 |
| Pretax return on assets | 1.1227% | 3,001 |
| Return on Equity (ROE) | 9.3020% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.3020% | 1,026 |
| Net charge-offs to loans | 0.0879% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.6061% | 1,457 |
| Efficiency ratio | 79.4500% | 1,674 |
| Assets per employee ($millions) | 3.3535% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 1,356 |
| Loan loss allowance to noncurrent loans | 80.0637% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 1,930 |
| Noncurrent loans to loans | 2.1300% | 982 |
| Net loans and leases to total assets | 52.6947% | 4,562 |
| Net loans and leases to deposits | 59.1389% | 4,771 |
| Net loans and leases to core deposits | 65.8125% | 4,543 |
| Total domestic deposits to total assets | 89.1032% | 1,054 |
| Equity capital to assets | 10.4245% | 3,583 |
| Core capital (leverage) ratio | 9.9666% | 3,580 |
| Tier 1 risk-based capital ratio | 16.1988% | 2,583 |
| Total risk-based capital ratio | 17.4516% | 2,545 |
| Memoranda: | ||
| Average total assets | $272,569,000 | 2,366 |
| Average earning assets | $258,667,500 | 2,320 |
| Average equity | $28,295,000 | 2,506 |
| Average total loans | $150,179,000 | 2,646 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,617 |
| Cost of funding earning assets | 0.1234% | 5,864 |
| Net interest margin | 4.0577% | 1,540 |
| Noninterest income to average assets | 1.0700% | 1,027 |
| Noninterest expense to average assets | 4.0798% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7693% | 3,468 |
| Return on assets (ROA) | 0.7917% | 3,450 |
| Pretax return on assets | 0.9105% | 3,793 |
| Return on Equity (ROE) | 7.5638% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.2353% | 4,447 |
| Net charge-offs to loans | 0.0190% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 87.9630% | 644 |
| Efficiency ratio | 82.1777% | 1,390 |
| Assets per employee ($millions) | 3.2945% | 5,162 |
| Cash dividends to net income (ytd only)* | 70.4471% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 1,437 |
| Loan loss allowance to noncurrent loans | 74.6046% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 1,689 |
| Noncurrent loans to loans | 2.2322% | 880 |
| Net loans and leases to total assets | 55.6702% | 4,321 |
| Net loans and leases to deposits | 63.5530% | 4,500 |
| Net loans and leases to core deposits | 68.7895% | 4,389 |
| Total domestic deposits to total assets | 87.5965% | 1,846 |
| Equity capital to assets | 10.3365% | 3,581 |
| Core capital (leverage) ratio | 9.5376% | 4,120 |
| Tier 1 risk-based capital ratio | 15.6474% | 2,857 |
| Total risk-based capital ratio | 16.9005% | 2,788 |
| Memoranda: | ||
| Average total assets | $268,420,200 | 2,356 |
| Average earning assets | $257,631,400 | 2,282 |
| Average equity | $28,094,200 | 2,448 |
| Average total loans | $141,749,000 | 2,704 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 2,831 |
| Cost of funding earning assets | 0.1239% | 5,953 |
| Net interest margin | 4.0008% | 1,703 |
| Noninterest income to average assets | 1.0851% | 1,021 |
| Noninterest expense to average assets | 4.0090% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7978% | 3,435 |
| Return on assets (ROA) | 0.8393% | 3,309 |
| Pretax return on assets | 0.9622% | 3,774 |
| Return on Equity (ROE) | 7.9941% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.9941% | 1,242 |
| Net charge-offs to loans | 0.0278% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 63.3724% | 880 |
| Efficiency ratio | 81.4268% | 1,475 |
| Assets per employee ($millions) | 3.2120% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 1,319 |
| Loan loss allowance to noncurrent loans | 74.0256% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 1,885 |
| Noncurrent loans to loans | 2.3909% | 864 |
| Net loans and leases to total assets | 51.1346% | 4,840 |
| Net loans and leases to deposits | 57.5594% | 5,026 |
| Net loans and leases to core deposits | 63.8678% | 4,824 |
| Total domestic deposits to total assets | 88.8378% | 1,106 |
| Equity capital to assets | 10.4790% | 3,623 |
| Core capital (leverage) ratio | 9.9775% | 3,664 |
| Tier 1 risk-based capital ratio | 17.0458% | 2,361 |
| Total risk-based capital ratio | 18.2997% | 2,305 |
| Memoranda: | ||
| Average total assets | $267,987,750 | 2,375 |
| Average earning assets | $257,112,000 | 2,297 |
| Average equity | $28,136,750 | 2,463 |
| Average total loans | $138,951,250 | 2,754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,954 |
| Cost of funding earning assets | 0.1258% | 6,012 |
| Net interest margin | 3.9583% | 1,781 |
| Noninterest income to average assets | 1.0481% | 1,079 |
| Noninterest expense to average assets | 4.0793% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6896% | 3,940 |
| Return on assets (ROA) | 0.7405% | 3,794 |
| Pretax return on assets | 0.8219% | 4,243 |
| Return on Equity (ROE) | 7.0478% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.0478% | 1,682 |
| Net charge-offs to loans | 0.0422% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,232 |
| Efficiency ratio | 84.2023% | 1,240 |
| Assets per employee ($millions) | 2.9348% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 1,410 |
| Loan loss allowance to noncurrent loans | 175.1549% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 3,821 |
| Noncurrent loans to loans | 1.0167% | 2,610 |
| Net loans and leases to total assets | 51.9865% | 4,756 |
| Net loans and leases to deposits | 58.4153% | 4,960 |
| Net loans and leases to core deposits | 64.6073% | 4,766 |
| Total domestic deposits to total assets | 88.9947% | 1,147 |
| Equity capital to assets | 10.4097% | 3,550 |
| Core capital (leverage) ratio | 10.2046% | 3,332 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,554 |
| Total risk-based capital ratio | 17.8776% | 2,505 |
| Memoranda: | ||
| Average total assets | $265,241,000 | 2,411 |
| Average earning assets | $254,404,000 | 2,338 |
| Average equity | $27,867,000 | 2,493 |
| Average total loans | $137,337,330 | 2,783 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,033 |
| Cost of funding earning assets | 0.1286% | 6,073 |
| Net interest margin | 3.9239% | 1,807 |
| Noninterest income to average assets | 1.0287% | 1,056 |
| Noninterest expense to average assets | 3.9397% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7440% | 3,574 |
| Return on assets (ROA) | 0.7943% | 3,427 |
| Pretax return on assets | 0.9085% | 3,856 |
| Return on Equity (ROE) | 7.5250% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.5250% | 1,751 |
| Net charge-offs to loans | 0.0565% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.4211% | 1,166 |
| Efficiency ratio | 82.2427% | 1,588 |
| Assets per employee ($millions) | 2.9871% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 1,248 |
| Loan loss allowance to noncurrent loans | 183.5489% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 3,826 |
| Noncurrent loans to loans | 1.0441% | 2,674 |
| Net loans and leases to total assets | 50.3178% | 4,811 |
| Net loans and leases to deposits | 56.9448% | 4,986 |
| Net loans and leases to core deposits | 63.4421% | 4,746 |
| Total domestic deposits to total assets | 88.3624% | 1,623 |
| Equity capital to assets | 10.8318% | 3,162 |
| Core capital (leverage) ratio | 10.0960% | 3,479 |
| Tier 1 risk-based capital ratio | 17.0897% | 2,446 |
| Total risk-based capital ratio | 18.3446% | 2,403 |
| Memoranda: | ||
| Average total assets | $262,863,000 | 2,445 |
| Average earning assets | $251,992,500 | 2,375 |
| Average equity | $27,747,500 | 2,518 |
| Average total loans | $134,552,500 | 2,835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 3,210 |
| Cost of funding earning assets | 0.1459% | 6,122 |
| Net interest margin | 3.9832% | 1,942 |
| Noninterest income to average assets | 0.8778% | 1,577 |
| Noninterest expense to average assets | 4.0248% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6072% | 4,335 |
| Return on assets (ROA) | 0.7152% | 3,926 |
| Pretax return on assets | 0.7762% | 4,342 |
| Return on Equity (ROE) | 7.1760% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.0130% | 3,354 |
| Net charge-offs to loans | 0.0210% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 60.6207% | 789 |
| Efficiency ratio | 85.9315% | 1,181 |
| Assets per employee ($millions) | 2.9871% | 5,714 |
| Cash dividends to net income (ytd only)* | 44.0776% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 1,325 |
| Loan loss allowance to noncurrent loans | 177.3949% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 3,983 |
| Noncurrent loans to loans | 1.0686% | 2,686 |
| Net loans and leases to total assets | 50.1080% | 4,964 |
| Net loans and leases to deposits | 56.2396% | 5,167 |
| Net loans and leases to core deposits | 64.2204% | 4,809 |
| Total domestic deposits to total assets | 89.0973% | 1,182 |
| Equity capital to assets | 10.2862% | 3,745 |
| Core capital (leverage) ratio | 9.4760% | 4,278 |
| Tier 1 risk-based capital ratio | 16.4080% | 2,757 |
| Total risk-based capital ratio | 17.6587% | 2,700 |
| Memoranda: | ||
| Average total assets | $266,795,600 | 2,373 |
| Average earning assets | $254,921,600 | 2,309 |
| Average equity | $26,588,600 | 2,521 |
| Average total loans | $138,339,600 | 2,734 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,143 |
| Cost of funding earning assets | 0.1500% | 6,185 |
| Net interest margin | 4.0067% | 1,857 |
| Noninterest income to average assets | 0.8528% | 1,687 |
| Noninterest expense to average assets | 3.8861% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6948% | 3,970 |
| Return on assets (ROA) | 0.7410% | 3,830 |
| Pretax return on assets | 0.8463% | 4,195 |
| Return on Equity (ROE) | 7.4950% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.4950% | 1,578 |
| Net charge-offs to loans | -0.0336% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0364% | 1,491 |
| Assets per employee ($millions) | 3.0884% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 1,345 |
| Loan loss allowance to noncurrent loans | 117.8731% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 3,389 |
| Noncurrent loans to loans | 1.6565% | 1,968 |
| Net loans and leases to total assets | 48.1924% | 5,189 |
| Net loans and leases to deposits | 54.0998% | 5,382 |
| Net loans and leases to core deposits | 63.3573% | 4,939 |
| Total domestic deposits to total assets | 89.0805% | 1,191 |
| Equity capital to assets | 10.1147% | 4,034 |
| Core capital (leverage) ratio | 9.6059% | 4,235 |
| Tier 1 risk-based capital ratio | 16.8010% | 2,691 |
| Total risk-based capital ratio | 18.0507% | 2,634 |
| Memoranda: | ||
| Average total assets | $267,031,500 | 2,401 |
| Average earning assets | $255,065,250 | 2,319 |
| Average equity | $26,399,250 | 2,538 |
| Average total loans | $138,977,750 | 2,745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,999 |
| Cost of funding earning assets | 0.1569% | 6,225 |
| Net interest margin | 4.0307% | 1,720 |
| Noninterest income to average assets | 0.8207% | 1,762 |
| Noninterest expense to average assets | 4.0027% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5536% | 4,581 |
| Return on assets (ROA) | 0.6195% | 4,351 |
| Pretax return on assets | 0.7450% | 4,479 |
| Return on Equity (ROE) | 6.3166% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.3166% | 2,145 |
| Net charge-offs to loans | -0.0428% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7421% | 1,295 |
| Assets per employee ($millions) | 3.0440% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 1,589 |
| Loan loss allowance to noncurrent loans | 166.0151% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 4,124 |
| Noncurrent loans to loans | 1.1441% | 2,941 |
| Net loans and leases to total assets | 50.7690% | 4,881 |
| Net loans and leases to deposits | 56.8924% | 5,130 |
| Net loans and leases to core deposits | 67.2387% | 4,526 |
| Total domestic deposits to total assets | 89.2369% | 1,229 |
| Equity capital to assets | 10.0564% | 4,027 |
| Core capital (leverage) ratio | 9.6597% | 4,099 |
| Tier 1 risk-based capital ratio | 16.0854% | 3,045 |
| Total risk-based capital ratio | 17.3406% | 2,984 |
| Memoranda: | ||
| Average total assets | $264,419,670 | 2,417 |
| Average earning assets | $252,415,330 | 2,336 |
| Average equity | $25,931,670 | 2,570 |
| Average total loans | $140,269,330 | 2,725 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 2,882 |
| Cost of funding earning assets | 0.1645% | 6,269 |
| Net interest margin | 4.0341% | 1,647 |
| Noninterest income to average assets | 0.8177% | 1,686 |
| Noninterest expense to average assets | 3.9133% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6224% | 4,085 |
| Return on assets (ROA) | 0.7172% | 3,675 |
| Pretax return on assets | 0.8649% | 3,845 |
| Return on Equity (ROE) | 7.4090% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.4090% | 1,853 |
| Net charge-offs to loans | -0.0680% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9047% | 1,683 |
| Assets per employee ($millions) | 2.9071% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 1,815 |
| Loan loss allowance to noncurrent loans | 133.4858% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 3,514 |
| Noncurrent loans to loans | 1.4072% | 2,676 |
| Net loans and leases to total assets | 51.8730% | 4,688 |
| Net loans and leases to deposits | 57.9961% | 4,948 |
| Net loans and leases to core deposits | 68.4496% | 4,263 |
| Total domestic deposits to total assets | 89.4422% | 1,398 |
| Equity capital to assets | 9.8657% | 4,003 |
| Core capital (leverage) ratio | 9.6618% | 4,044 |
| Tier 1 risk-based capital ratio | 15.9648% | 3,185 |
| Total risk-based capital ratio | 17.2203% | 3,132 |
| Memoranda: | ||
| Average total assets | $262,694,500 | 2,439 |
| Average earning assets | $250,462,000 | 2,354 |
| Average equity | $25,428,500 | 2,605 |
| Average total loans | $141,090,000 | 2,720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,738 |
| Cost of funding earning assets | 0.2015% | 6,284 |
| Net interest margin | 4.1576% | 1,478 |
| Noninterest income to average assets | 1.0158% | 1,357 |
| Noninterest expense to average assets | 4.0903% | 784 |
| Loan and lease loss provision to assets | 0.1307% | 2,676 |
| Net operating income to assets | 0.6288% | 4,116 |
| Return on assets (ROA) | 0.6934% | 3,918 |
| Pretax return on assets | 0.8287% | 4,037 |
| Return on Equity (ROE) | 7.3105% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.9732% | 1,990 |
| Net charge-offs to loans | 0.0878% | 3,978 |
| Credit loss provision to net charge-offs | 257.5758% | 880 |
| Earnings coverage of net charge-offs (x) | 17.3939% | 1,718 |
| Efficiency ratio | 82.2538% | 1,847 |
| Assets per employee ($millions) | 2.9641% | 5,889 |
| Cash dividends to net income (ytd only)* | 18.2927% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 1,979 |
| Loan loss allowance to noncurrent loans | 123.7167% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 3,514 |
| Noncurrent loans to loans | 1.4783% | 2,675 |
| Net loans and leases to total assets | 53.5655% | 4,643 |
| Net loans and leases to deposits | 59.4900% | 4,979 |
| Net loans and leases to core deposits | 70.4391% | 4,251 |
| Total domestic deposits to total assets | 90.0412% | 1,049 |
| Equity capital to assets | 9.4915% | 4,438 |
| Core capital (leverage) ratio | 9.2017% | 4,719 |
| Tier 1 risk-based capital ratio | 15.3013% | 3,479 |
| Total risk-based capital ratio | 16.5559% | 3,430 |
| Memoranda: | ||
| Average total assets | $260,177,200 | 2,435 |
| Average earning assets | $247,621,000 | 2,349 |
| Average equity | $24,677,000 | 2,655 |
| Average total loans | $150,293,800 | 2,553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 2,504 |
| Cost of funding earning assets | 0.2076% | 6,369 |
| Net interest margin | 4.2185% | 1,281 |
| Noninterest income to average assets | 1.0574% | 1,308 |
| Noninterest expense to average assets | 4.0459% | 808 |
| Loan and lease loss provision to assets | 0.1743% | 2,087 |
| Net operating income to assets | 0.6995% | 3,864 |
| Return on assets (ROA) | 0.7697% | 3,634 |
| Pretax return on assets | 0.9328% | 3,754 |
| Return on Equity (ROE) | 8.1166% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.1166% | 1,364 |
| Net charge-offs to loans | 0.1383% | 3,158 |
| Credit loss provision to net charge-offs | 215.1899% | 1,127 |
| Earnings coverage of net charge-offs (x) | 12.6203% | 2,115 |
| Efficiency ratio | 79.8260% | 2,127 |
| Assets per employee ($millions) | 2.9826% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 2,444 |
| Loan loss allowance to noncurrent loans | 125.5236% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 4,098 |
| Noncurrent loans to loans | 1.3962% | 3,079 |
| Net loans and leases to total assets | 53.8172% | 4,641 |
| Net loans and leases to deposits | 59.6553% | 5,019 |
| Net loans and leases to core deposits | 70.7805% | 4,237 |
| Total domestic deposits to total assets | 90.2136% | 888 |
| Equity capital to assets | 9.2422% | 4,875 |
| Core capital (leverage) ratio | 9.3361% | 4,638 |
| Tier 1 risk-based capital ratio | 15.2256% | 3,604 |
| Total risk-based capital ratio | 16.4800% | 3,557 |
| Memoranda: | ||
| Average total assets | $260,010,250 | 2,456 |
| Average earning assets | $247,221,250 | 2,367 |
| Average equity | $24,656,750 | 2,689 |
| Average total loans | $152,285,750 | 2,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 2,286 |
| Cost of funding earning assets | 0.2146% | 6,407 |
| Net interest margin | 4.2618% | 1,113 |
| Noninterest income to average assets | 1.1260% | 1,201 |
| Noninterest expense to average assets | 4.0816% | 788 |
| Loan and lease loss provision to assets | 0.2084% | 1,816 |
| Net operating income to assets | 0.7284% | 3,678 |
| Return on assets (ROA) | 0.8087% | 3,396 |
| Pretax return on assets | 0.9805% | 3,601 |
| Return on Equity (ROE) | 8.4532% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.4532% | 1,313 |
| Net charge-offs to loans | 0.2986% | 1,988 |
| Credit loss provision to net charge-offs | 116.5217% | 1,902 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,774 |
| Efficiency ratio | 78.9086% | 2,317 |
| Assets per employee ($millions) | 3.0284% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,143 |
| Loan loss allowance to noncurrent loans | 70.5626% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 3,047 |
| Noncurrent loans to loans | 2.2739% | 2,088 |
| Net loans and leases to total assets | 58.6504% | 3,877 |
| Net loans and leases to deposits | 65.3874% | 4,334 |
| Net loans and leases to core deposits | 78.7829% | 3,192 |
| Total domestic deposits to total assets | 89.6968% | 1,208 |
| Equity capital to assets | 9.6078% | 4,443 |
| Core capital (leverage) ratio | 9.4813% | 4,277 |
| Tier 1 risk-based capital ratio | 14.5501% | 4,069 |
| Total risk-based capital ratio | 15.8038% | 4,037 |
| Memoranda: | ||
| Average total assets | $257,202,670 | 2,488 |
| Average earning assets | $244,215,670 | 2,406 |
| Average equity | $24,606,000 | 2,708 |
| Average total loans | $154,034,330 | 2,520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 2,275 |
| Cost of funding earning assets | 0.2248% | 6,444 |
| Net interest margin | 4.2465% | 1,080 |
| Noninterest income to average assets | 1.0734% | 1,289 |
| Noninterest expense to average assets | 3.7817% | 1,136 |
| Loan and lease loss provision to assets | 0.2537% | 1,409 |
| Net operating income to assets | 0.8028% | 3,150 |
| Return on assets (ROA) | 0.7981% | 3,313 |
| Pretax return on assets | 1.0641% | 3,094 |
| Return on Equity (ROE) | 8.3602% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.3602% | 1,623 |
| Net charge-offs to loans | 0.6777% | 905 |
| Credit loss provision to net charge-offs | 62.3574% | 2,410 |
| Earnings coverage of net charge-offs (x) | 3.2548% | 2,809 |
| Efficiency ratio | 74.0685% | 3,255 |
| Assets per employee ($millions) | 3.0624% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 3,870 |
| Loan loss allowance to noncurrent loans | 125.1226% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 4,106 |
| Noncurrent loans to loans | 1.1913% | 3,783 |
| Net loans and leases to total assets | 58.9884% | 3,611 |
| Net loans and leases to deposits | 65.8247% | 4,078 |
| Net loans and leases to core deposits | 79.4320% | 2,876 |
| Total domestic deposits to total assets | 89.6144% | 1,288 |
| Equity capital to assets | 9.6621% | 4,621 |
| Core capital (leverage) ratio | 9.2210% | 4,531 |
| Tier 1 risk-based capital ratio | 13.9930% | 4,507 |
| Total risk-based capital ratio | 15.2446% | 4,472 |
| Memoranda: | ||
| Average total assets | $258,610,500 | 2,507 |
| Average earning assets | $245,567,500 | 2,419 |
| Average equity | $24,688,500 | 2,735 |
| Average total loans | $155,235,500 | 2,519 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 3,284 |
| Cost of funding earning assets | 0.2516% | 6,663 |
| Net interest margin | 4.2769% | 1,453 |
| Noninterest income to average assets | 1.2850% | 937 |
| Noninterest expense to average assets | 3.8811% | 1,118 |
| Loan and lease loss provision to assets | 0.3646% | 1,807 |
| Net operating income to assets | 0.8157% | 3,215 |
| Return on assets (ROA) | 0.8849% | 3,134 |
| Pretax return on assets | 1.2086% | 2,774 |
| Return on Equity (ROE) | 9.6511% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.4911% | 1,827 |
| Net charge-offs to loans | 0.6219% | 1,887 |
| Credit loss provision to net charge-offs | 95.4000% | 3,257 |
| Earnings coverage of net charge-offs (x) | 3.8680% | 3,566 |
| Efficiency ratio | 72.4148% | 3,341 |
| Assets per employee ($millions) | 3.2096% | 5,599 |
| Cash dividends to net income (ytd only)* | 32.7430% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,611 |
| Loan loss allowance to noncurrent loans | 96.8851% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 4,041 |
| Noncurrent loans to loans | 1.5802% | 3,250 |
| Net loans and leases to total assets | 59.2498% | 3,738 |
| Net loans and leases to deposits | 66.1202% | 4,266 |
| Net loans and leases to core deposits | 79.7219% | 3,046 |
| Total domestic deposits to total assets | 89.6092% | 1,184 |
| Equity capital to assets | 9.4323% | 4,960 |
| Core capital (leverage) ratio | 8.7999% | 5,181 |
| Tier 1 risk-based capital ratio | 13.7897% | 4,542 |
| Total risk-based capital ratio | 15.0448% | 4,488 |
| Memoranda: | ||
| Average total assets | $261,624,200 | 2,421 |
| Average earning assets | $249,247,200 | 2,337 |
| Average equity | $23,986,800 | 2,746 |
| Average total loans | $160,799,000 | 2,418 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 3,652 |
| Cost of funding earning assets | 0.2556% | 6,788 |
| Net interest margin | 4.2410% | 1,619 |
| Noninterest income to average assets | 1.2939% | 883 |
| Noninterest expense to average assets | 3.8803% | 1,090 |
| Loan and lease loss provision to assets | 0.3552% | 1,838 |
| Net operating income to assets | 0.7989% | 3,462 |
| Return on assets (ROA) | 0.8630% | 3,407 |
| Pretax return on assets | 1.1917% | 3,015 |
| Return on Equity (ROE) | 9.4801% | 2,602 |
| Retained earnings to average equity (ytd only) | 9.4801% | 1,072 |
| Net charge-offs to loans | 0.5576% | 1,937 |
| Credit loss provision to net charge-offs | 103.1019% | 2,857 |
| Earnings coverage of net charge-offs (x) | 4.2319% | 3,368 |
| Efficiency ratio | 72.6909% | 3,200 |
| Assets per employee ($millions) | 3.0686% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,929 |
| Loan loss allowance to noncurrent loans | 71.6531% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 3,574 |
| Noncurrent loans to loans | 2.1016% | 2,734 |
| Net loans and leases to total assets | 61.0204% | 3,569 |
| Net loans and leases to deposits | 67.9718% | 4,185 |
| Net loans and leases to core deposits | 80.8363% | 3,101 |
| Total domestic deposits to total assets | 89.7731% | 962 |
| Equity capital to assets | 9.4274% | 5,293 |
| Core capital (leverage) ratio | 8.8192% | 5,312 |
| Tier 1 risk-based capital ratio | 13.6792% | 4,766 |
| Total risk-based capital ratio | 14.9315% | 4,718 |
| Memoranda: | ||
| Average total assets | $262,035,500 | 2,439 |
| Average earning assets | $249,873,000 | 2,345 |
| Average equity | $23,853,000 | 2,791 |
| Average total loans | $161,890,750 | 2,431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 3,903 |
| Cost of funding earning assets | 0.2600% | 6,879 |
| Net interest margin | 4.2099% | 1,723 |
| Noninterest income to average assets | 1.2547% | 907 |
| Noninterest expense to average assets | 3.8889% | 1,090 |
| Loan and lease loss provision to assets | 0.1148% | 4,097 |
| Net operating income to assets | 0.9165% | 2,825 |
| Return on assets (ROA) | 1.0068% | 2,651 |
| Pretax return on assets | 1.3901% | 2,237 |
| Return on Equity (ROE) | 11.1948% | 1,924 |
| Retained earnings to average equity (ytd only) | 11.1948% | 715 |
| Net charge-offs to loans | 0.0657% | 4,512 |
| Credit loss provision to net charge-offs | 283.0189% | 1,038 |
| Earnings coverage of net charge-offs (x) | 34.0189% | 987 |
| Efficiency ratio | 73.8164% | 3,108 |
| Assets per employee ($millions) | 3.1004% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,941 |
| Loan loss allowance to noncurrent loans | 105.3112% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 4,300 |
| Noncurrent loans to loans | 1.4395% | 3,761 |
| Net loans and leases to total assets | 62.5674% | 3,321 |
| Net loans and leases to deposits | 70.5238% | 3,819 |
| Net loans and leases to core deposits | 85.6349% | 2,474 |
| Total domestic deposits to total assets | 88.7182% | 1,693 |
| Equity capital to assets | 9.2301% | 5,431 |
| Core capital (leverage) ratio | 8.8135% | 5,200 |
| Tier 1 risk-based capital ratio | 13.2011% | 5,035 |
| Total risk-based capital ratio | 14.4592% | 5,007 |
| Memoranda: | ||
| Average total assets | $261,413,330 | 2,444 |
| Average earning assets | $249,219,330 | 2,360 |
| Average equity | $23,511,000 | 2,810 |
| Average total loans | $161,355,670 | 2,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 4,087 |
| Cost of funding earning assets | 0.2688% | 6,954 |
| Net interest margin | 4.1870% | 1,790 |
| Noninterest income to average assets | 1.2491% | 904 |
| Noninterest expense to average assets | 3.9008% | 1,063 |
| Loan and lease loss provision to assets | 0.0922% | 4,198 |
| Net operating income to assets | 0.9078% | 2,877 |
| Return on assets (ROA) | 0.9587% | 2,850 |
| Pretax return on assets | 1.3228% | 2,449 |
| Return on Equity (ROE) | 10.8031% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.8031% | 1,086 |
| Net charge-offs to loans | 0.1516% | 3,185 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 14.5833% | 1,460 |
| Efficiency ratio | 74.3702% | 3,040 |
| Assets per employee ($millions) | 3.2911% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,999 |
| Loan loss allowance to noncurrent loans | 302.4783% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 5,991 |
| Noncurrent loans to loans | 0.5081% | 5,655 |
| Net loans and leases to total assets | 60.1463% | 3,631 |
| Net loans and leases to deposits | 67.8568% | 4,089 |
| Net loans and leases to core deposits | 83.9609% | 2,552 |
| Total domestic deposits to total assets | 88.6371% | 1,931 |
| Equity capital to assets | 9.0536% | 5,417 |
| Core capital (leverage) ratio | 8.5341% | 5,534 |
| Tier 1 risk-based capital ratio | 13.2573% | 5,022 |
| Total risk-based capital ratio | 14.5094% | 5,002 |
| Memoranda: | ||
| Average total assets | $260,355,000 | 2,477 |
| Average earning assets | $248,485,500 | 2,377 |
| Average equity | $23,104,500 | 2,842 |
| Average total loans | $158,322,500 | 2,503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 4,496 |
| Cost of funding earning assets | 0.3188% | 7,074 |
| Net interest margin | 4.3220% | 1,626 |
| Noninterest income to average assets | 1.0053% | 1,356 |
| Noninterest expense to average assets | 3.7784% | 1,386 |
| Loan and lease loss provision to assets | 0.1848% | 4,343 |
| Net operating income to assets | 0.8378% | 2,889 |
| Return on assets (ROA) | 0.8594% | 2,924 |
| Pretax return on assets | 1.1902% | 2,495 |
| Return on Equity (ROE) | 10.2304% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.0219% | 1,495 |
| Net charge-offs to loans | 0.2857% | 3,987 |
| Credit loss provision to net charge-offs | 107.6233% | 3,138 |
| Earnings coverage of net charge-offs (x) | 7.8318% | 2,249 |
| Efficiency ratio | 73.7487% | 3,276 |
| Assets per employee ($millions) | 3.2187% | 5,674 |
| Cash dividends to net income (ytd only)* | 31.3620% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,807 |
| Loan loss allowance to noncurrent loans | 344.7740% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 6,183 |
| Noncurrent loans to loans | 0.4486% | 5,808 |
| Net loans and leases to total assets | 59.5998% | 4,059 |
| Net loans and leases to deposits | 65.8858% | 4,749 |
| Net loans and leases to core deposits | 81.2811% | 3,288 |
| Total domestic deposits to total assets | 90.4593% | 743 |
| Equity capital to assets | 8.6954% | 5,905 |
| Core capital (leverage) ratio | 8.0876% | 6,159 |
| Tier 1 risk-based capital ratio | 12.8405% | 5,206 |
| Total risk-based capital ratio | 14.0932% | 5,179 |
| Memoranda: | ||
| Average total assets | $259,715,000 | 2,429 |
| Average earning assets | $247,456,400 | 2,327 |
| Average equity | $21,817,400 | 2,912 |
| Average total loans | $156,113,400 | 2,552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 4,581 |
| Cost of funding earning assets | 0.3260% | 7,169 |
| Net interest margin | 4.3469% | 1,569 |
| Noninterest income to average assets | 0.9491% | 1,487 |
| Noninterest expense to average assets | 3.6736% | 1,554 |
| Loan and lease loss provision to assets | 0.1850% | 4,183 |
| Net operating income to assets | 0.8780% | 2,830 |
| Return on assets (ROA) | 0.9003% | 2,884 |
| Pretax return on assets | 1.2610% | 2,426 |
| Return on Equity (ROE) | 10.8124% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.8124% | 661 |
| Net charge-offs to loans | 0.2030% | 4,180 |
| Credit loss provision to net charge-offs | 151.8987% | 2,049 |
| Earnings coverage of net charge-offs (x) | 11.6161% | 1,793 |
| Efficiency ratio | 72.1975% | 3,513 |
| Assets per employee ($millions) | 3.1793% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,533 |
| Loan loss allowance to noncurrent loans | 242.3372% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 5,887 |
| Noncurrent loans to loans | 0.6721% | 5,540 |
| Net loans and leases to total assets | 57.9050% | 4,530 |
| Net loans and leases to deposits | 64.4855% | 5,106 |
| Net loans and leases to core deposits | 80.1062% | 3,618 |
| Total domestic deposits to total assets | 89.7954% | 983 |
| Equity capital to assets | 8.6732% | 6,114 |
| Core capital (leverage) ratio | 8.2317% | 6,085 |
| Tier 1 risk-based capital ratio | 13.1720% | 4,972 |
| Total risk-based capital ratio | 14.4252% | 4,946 |
| Memoranda: | ||
| Average total assets | $259,465,250 | 2,442 |
| Average earning assets | $247,065,500 | 2,341 |
| Average equity | $21,604,250 | 2,932 |
| Average total loans | $155,685,250 | 2,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 4,373 |
| Cost of funding earning assets | 0.3375% | 7,252 |
| Net interest margin | 4.3968% | 1,379 |
| Noninterest income to average assets | 0.9504% | 1,464 |
| Noninterest expense to average assets | 3.6908% | 1,542 |
| Loan and lease loss provision to assets | 0.1861% | 4,056 |
| Net operating income to assets | 0.8926% | 2,670 |
| Return on assets (ROA) | 0.9427% | 2,562 |
| Pretax return on assets | 1.3248% | 2,060 |
| Return on Equity (ROE) | 11.4843% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.4843% | 594 |
| Net charge-offs to loans | 0.2875% | 3,437 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 8.2946% | 2,084 |
| Efficiency ratio | 71.9293% | 3,748 |
| Assets per employee ($millions) | 3.2832% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 3,855 |
| Loan loss allowance to noncurrent loans | 466.8593% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 6,292 |
| Noncurrent loans to loans | 0.3346% | 6,247 |
| Net loans and leases to total assets | 59.6174% | 4,343 |
| Net loans and leases to deposits | 65.7522% | 5,034 |
| Net loans and leases to core deposits | 80.6576% | 3,694 |
| Total domestic deposits to total assets | 90.6698% | 648 |
| Equity capital to assets | 8.6172% | 6,038 |
| Core capital (leverage) ratio | 8.1540% | 6,092 |
| Tier 1 risk-based capital ratio | 12.9393% | 4,967 |
| Total risk-based capital ratio | 14.1925% | 4,942 |
| Memoranda: | ||
| Average total assets | $257,993,000 | 2,477 |
| Average earning assets | $245,314,330 | 2,370 |
| Average equity | $21,176,670 | 2,974 |
| Average total loans | $155,803,330 | 2,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 4,453 |
| Cost of funding earning assets | 0.3411% | 7,330 |
| Net interest margin | 4.3748% | 1,354 |
| Noninterest income to average assets | 0.9994% | 1,330 |
| Noninterest expense to average assets | 3.6286% | 1,706 |
| Loan and lease loss provision to assets | 0.1854% | 3,757 |
| Net operating income to assets | 0.9498% | 2,358 |
| Return on assets (ROA) | 0.9948% | 2,246 |
| Pretax return on assets | 1.4088% | 1,704 |
| Return on Equity (ROE) | 12.4258% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.4258% | 671 |
| Net charge-offs to loans | 0.1665% | 3,480 |
| Credit loss provision to net charge-offs | 184.6154% | 1,592 |
| Earnings coverage of net charge-offs (x) | 15.2462% | 1,332 |
| Efficiency ratio | 70.3293% | 4,191 |
| Assets per employee ($millions) | 3.4726% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,841 |
| Loan loss allowance to noncurrent loans | 492.4000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 6,324 |
| Noncurrent loans to loans | 0.3200% | 6,352 |
| Net loans and leases to total assets | 59.8426% | 4,297 |
| Net loans and leases to deposits | 65.6890% | 5,020 |
| Net loans and leases to core deposits | 77.5077% | 4,085 |
| Total domestic deposits to total assets | 91.0999% | 579 |
| Equity capital to assets | 8.2211% | 6,259 |
| Core capital (leverage) ratio | 7.9892% | 6,271 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,318 |
| Total risk-based capital ratio | 13.6938% | 5,294 |
| Memoranda: | ||
| Average total assets | $258,943,000 | 2,484 |
| Average earning assets | $246,228,000 | 2,386 |
| Average equity | $20,731,000 | 3,022 |
| Average total loans | $156,155,500 | 2,614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 5,113 |
| Cost of funding earning assets | 0.4428% | 7,380 |
| Net interest margin | 4.4372% | 1,382 |
| Noninterest income to average assets | 0.9777% | 1,581 |
| Noninterest expense to average assets | 3.7784% | 1,528 |
| Loan and lease loss provision to assets | 0.3250% | 4,212 |
| Net operating income to assets | 0.7873% | 2,857 |
| Return on assets (ROA) | 0.7768% | 3,021 |
| Pretax return on assets | 1.0608% | 2,733 |
| Return on Equity (ROE) | 9.8286% | 1,995 |
| Retained earnings to average equity (ytd only) | 7.0154% | 1,312 |
| Net charge-offs to loans | 0.3847% | 4,112 |
| Credit loss provision to net charge-offs | 138.2403% | 2,760 |
| Earnings coverage of net charge-offs (x) | 5.9560% | 2,482 |
| Efficiency ratio | 72.9626% | 3,600 |
| Assets per employee ($millions) | 3.3450% | 5,321 |
| Cash dividends to net income (ytd only)* | 28.6226% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,811 |
| Loan loss allowance to noncurrent loans | 473.8189% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 6,032 |
| Noncurrent loans to loans | 0.3255% | 6,400 |
| Net loans and leases to total assets | 58.8942% | 4,870 |
| Net loans and leases to deposits | 64.3104% | 5,592 |
| Net loans and leases to core deposits | 77.7921% | 4,478 |
| Total domestic deposits to total assets | 91.5780% | 381 |
| Equity capital to assets | 7.7942% | 6,676 |
| Core capital (leverage) ratio | 7.6153% | 6,608 |
| Tier 1 risk-based capital ratio | 11.9460% | 5,523 |
| Total risk-based capital ratio | 13.1986% | 5,497 |
| Memoranda: | ||
| Average total assets | $251,402,400 | 2,533 |
| Average earning assets | $238,012,400 | 2,447 |
| Average equity | $19,870,600 | 3,164 |
| Average total loans | $153,634,400 | 2,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 5,425 |
| Cost of funding earning assets | 0.4687% | 7,490 |
| Net interest margin | 4.3945% | 1,543 |
| Noninterest income to average assets | 0.9364% | 1,661 |
| Noninterest expense to average assets | 3.7784% | 1,412 |
| Loan and lease loss provision to assets | 0.2773% | 4,361 |
| Net operating income to assets | 0.7292% | 3,285 |
| Return on assets (ROA) | 0.7480% | 3,383 |
| Pretax return on assets | 1.0644% | 2,953 |
| Return on Equity (ROE) | 9.4290% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.4290% | 927 |
| Net charge-offs to loans | 0.6151% | 2,900 |
| Credit loss provision to net charge-offs | 73.3711% | 5,329 |
| Earnings coverage of net charge-offs (x) | 3.4787% | 3,432 |
| Efficiency ratio | 74.1827% | 3,293 |
| Assets per employee ($millions) | 3.3939% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 5,033 |
| Loan loss allowance to noncurrent loans | 253.2402% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 6,266 |
| Noncurrent loans to loans | 0.5085% | 6,180 |
| Net loans and leases to total assets | 59.2297% | 5,059 |
| Net loans and leases to deposits | 64.9469% | 5,796 |
| Net loans and leases to core deposits | 77.7749% | 4,829 |
| Total domestic deposits to total assets | 91.1970% | 386 |
| Equity capital to assets | 8.0846% | 6,728 |
| Core capital (leverage) ratio | 7.8070% | 6,563 |
| Tier 1 risk-based capital ratio | 12.1348% | 5,330 |
| Total risk-based capital ratio | 13.3468% | 5,338 |
| Memoranda: | ||
| Average total assets | $249,025,000 | 2,583 |
| Average earning assets | $235,560,750 | 2,514 |
| Average equity | $19,754,250 | 3,223 |
| Average total loans | $153,025,750 | 2,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 5,424 |
| Cost of funding earning assets | 0.4994% | 7,547 |
| Net interest margin | 4.3934% | 1,465 |
| Noninterest income to average assets | 0.8624% | 1,830 |
| Noninterest expense to average assets | 3.8235% | 1,320 |
| Loan and lease loss provision to assets | 0.2479% | 4,442 |
| Net operating income to assets | 0.6661% | 3,549 |
| Return on assets (ROA) | 0.6950% | 3,579 |
| Pretax return on assets | 0.9786% | 3,208 |
| Return on Equity (ROE) | 8.8199% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.8199% | 1,167 |
| Net charge-offs to loans | 0.4421% | 3,210 |
| Credit loss provision to net charge-offs | 90.5045% | 4,412 |
| Earnings coverage of net charge-offs (x) | 4.3294% | 2,987 |
| Efficiency ratio | 76.3265% | 3,012 |
| Assets per employee ($millions) | 3.0825% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,423 |
| Loan loss allowance to noncurrent loans | 406.2382% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 6,495 |
| Noncurrent loans to loans | 0.3444% | 6,545 |
| Net loans and leases to total assets | 60.6491% | 4,939 |
| Net loans and leases to deposits | 66.4247% | 5,755 |
| Net loans and leases to core deposits | 78.5699% | 4,858 |
| Total domestic deposits to total assets | 91.3050% | 383 |
| Equity capital to assets | 8.0041% | 6,751 |
| Core capital (leverage) ratio | 7.9846% | 6,289 |
| Tier 1 risk-based capital ratio | 11.8895% | 5,411 |
| Total risk-based capital ratio | 13.1402% | 5,383 |
| Memoranda: | ||
| Average total assets | $246,055,000 | 2,640 |
| Average earning assets | $232,259,670 | 2,564 |
| Average equity | $19,388,000 | 3,255 |
| Average total loans | $152,445,330 | 2,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 5,465 |
| Cost of funding earning assets | 0.5427% | 7,613 |
| Net interest margin | 4.3555% | 1,521 |
| Noninterest income to average assets | 0.8876% | 1,676 |
| Noninterest expense to average assets | 3.8388% | 1,262 |
| Loan and lease loss provision to assets | 0.2702% | 3,866 |
| Net operating income to assets | 0.6277% | 3,768 |
| Return on assets (ROA) | 0.6289% | 3,890 |
| Pretax return on assets | 0.8811% | 3,534 |
| Return on Equity (ROE) | 8.0463% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.0463% | 1,689 |
| Net charge-offs to loans | 0.0711% | 4,707 |
| Credit loss provision to net charge-offs | 611.1111% | 713 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 970 |
| Efficiency ratio | 76.9534% | 3,065 |
| Assets per employee ($millions) | 3.1355% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,745 |
| Loan loss allowance to noncurrent loans | 395.7338% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 6,456 |
| Noncurrent loans to loans | 0.3868% | 6,508 |
| Net loans and leases to total assets | 61.0054% | 4,940 |
| Net loans and leases to deposits | 66.8128% | 5,732 |
| Net loans and leases to core deposits | 71.4018% | 5,782 |
| Total domestic deposits to total assets | 91.3079% | 438 |
| Equity capital to assets | 7.9222% | 6,734 |
| Core capital (leverage) ratio | 7.8436% | 6,444 |
| Tier 1 risk-based capital ratio | 11.6073% | 5,570 |
| Total risk-based capital ratio | 12.8592% | 5,538 |
| Memoranda: | ||
| Average total assets | $244,240,500 | 2,713 |
| Average earning assets | $229,960,500 | 2,644 |
| Average equity | $19,089,500 | 3,313 |
| Average total loans | $151,878,000 | 2,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5029% | 4,126 |
| Cost of funding earning assets | 0.6774% | 7,711 |
| Net interest margin | 4.8255% | 655 |
| Noninterest income to average assets | 1.0601% | 1,375 |
| Noninterest expense to average assets | 4.1694% | 1,132 |
| Loan and lease loss provision to assets | 0.5050% | 3,853 |
| Net operating income to assets | 0.6719% | 3,050 |
| Return on assets (ROA) | 0.6320% | 3,270 |
| Pretax return on assets | 0.8583% | 3,060 |
| Return on Equity (ROE) | 8.2446% | 2,276 |
| Retained earnings to average equity (ytd only) | 5.9352% | 1,374 |
| Net charge-offs to loans | 1.3081% | 1,901 |
| Credit loss provision to net charge-offs | 60.6886% | 6,630 |
| Earnings coverage of net charge-offs (x) | 1.7030% | 4,460 |
| Efficiency ratio | 74.6326% | 3,775 |
| Assets per employee ($millions) | 3.0489% | 6,095 |
| Cash dividends to net income (ytd only)* | 28.0108% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,061 |
| Loan loss allowance to noncurrent loans | 241.7960% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,110 |
| Noncurrent loans to loans | 0.5925% | 6,054 |
| Net loans and leases to total assets | 61.5205% | 5,100 |
| Net loans and leases to deposits | 67.2277% | 5,919 |
| Net loans and leases to core deposits | 83.6308% | 5,753 |
| Total domestic deposits to total assets | 91.5105% | 376 |
| Equity capital to assets | 7.7093% | 6,850 |
| Core capital (leverage) ratio | 7.6641% | 6,596 |
| Tier 1 risk-based capital ratio | 11.4631% | 5,438 |
| Total risk-based capital ratio | 12.7139% | 5,396 |
| Memoranda: | ||
| Average total assets | $233,847,400 | 2,780 |
| Average earning assets | $219,356,000 | 2,711 |
| Average equity | $17,926,800 | 3,514 |
| Average total loans | $148,761,600 | 2,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 3,956 |
| Cost of funding earning assets | 0.6972% | 7,817 |
| Net interest margin | 4.8863% | 569 |
| Noninterest income to average assets | 1.0818% | 1,358 |
| Noninterest expense to average assets | 4.2305% | 1,000 |
| Loan and lease loss provision to assets | 0.4438% | 3,688 |
| Net operating income to assets | 0.6584% | 3,363 |
| Return on assets (ROA) | 0.6098% | 3,627 |
| Pretax return on assets | 0.9153% | 3,180 |
| Return on Equity (ROE) | 7.9663% | 2,654 |
| Retained earnings to average equity (ytd only) | 7.9663% | 1,149 |
| Net charge-offs to loans | 1.6651% | 1,217 |
| Credit loss provision to net charge-offs | 41.6892% | 6,405 |
| Earnings coverage of net charge-offs (x) | 1.3449% | 4,775 |
| Efficiency ratio | 74.7150% | 3,737 |
| Assets per employee ($millions) | 2.7842% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,908 |
| Loan loss allowance to noncurrent loans | 211.1864% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,719 |
| Noncurrent loans to loans | 0.5866% | 6,138 |
| Net loans and leases to total assets | 62.2332% | 5,197 |
| Net loans and leases to deposits | 68.1924% | 6,117 |
| Net loans and leases to core deposits | 81.8799% | 6,200 |
| Total domestic deposits to total assets | 91.2612% | 319 |
| Equity capital to assets | 7.8287% | 7,010 |
| Core capital (leverage) ratio | 7.6764% | 6,762 |
| Tier 1 risk-based capital ratio | 10.8383% | 6,118 |
| Total risk-based capital ratio | 11.9302% | 6,247 |
| Memoranda: | ||
| Average total assets | $231,330,750 | 2,828 |
| Average earning assets | $216,846,250 | 2,761 |
| Average equity | $17,707,500 | 3,578 |
| Average total loans | $147,892,500 | 2,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 3,652 |
| Cost of funding earning assets | 0.7199% | 7,902 |
| Net interest margin | 4.9614% | 473 |
| Noninterest income to average assets | 1.1022% | 1,308 |
| Noninterest expense to average assets | 4.3074% | 940 |
| Loan and lease loss provision to assets | 0.4855% | 3,103 |
| Net operating income to assets | 0.6305% | 3,549 |
| Return on assets (ROA) | 0.6403% | 3,610 |
| Pretax return on assets | 0.9666% | 3,122 |
| Return on Equity (ROE) | 8.4324% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.4324% | 1,082 |
| Net charge-offs to loans | 1.5222% | 1,249 |
| Credit loss provision to net charge-offs | 49.6422% | 5,772 |
| Earnings coverage of net charge-offs (x) | 1.4696% | 4,430 |
| Efficiency ratio | 74.9810% | 3,879 |
| Assets per employee ($millions) | 2.8321% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 2,855 |
| Loan loss allowance to noncurrent loans | 104.8856% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 4,679 |
| Noncurrent loans to loans | 1.4995% | 4,249 |
| Net loans and leases to total assets | 63.4450% | 5,090 |
| Net loans and leases to deposits | 69.2932% | 6,066 |
| Net loans and leases to core deposits | 84.0703% | 6,084 |
| Total domestic deposits to total assets | 91.5603% | 304 |
| Equity capital to assets | 7.6038% | 7,175 |
| Core capital (leverage) ratio | 7.9595% | 6,405 |
| Tier 1 risk-based capital ratio | 11.2381% | 5,655 |
| Total risk-based capital ratio | 12.4911% | 5,564 |
| Memoranda: | ||
| Average total assets | $228,628,330 | 2,879 |
| Average earning assets | $213,933,330 | 2,820 |
| Average equity | $17,361,670 | 3,646 |
| Average total loans | $146,897,000 | 3,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9316% | 2,640 |
| Cost of funding earning assets | 0.7550% | 7,956 |
| Net interest margin | 5.1766% | 292 |
| Noninterest income to average assets | 1.0949% | 1,247 |
| Noninterest expense to average assets | 4.2838% | 867 |
| Loan and lease loss provision to assets | 0.6087% | 2,067 |
| Net operating income to assets | 0.6914% | 3,600 |
| Return on assets (ROA) | 0.7116% | 3,695 |
| Pretax return on assets | 1.0630% | 3,133 |
| Return on Equity (ROE) | 9.3771% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.3771% | 1,377 |
| Net charge-offs to loans | 0.1798% | 3,561 |
| Credit loss provision to net charge-offs | 527.6923% | 1,044 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 1,683 |
| Efficiency ratio | 72.2971% | 4,137 |
| Assets per employee ($millions) | 2.5486% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1958% | 1,087 |
| Loan loss allowance to noncurrent loans | 78.8650% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0002% | 2,906 |
| Noncurrent loans to loans | 2.7842% | 2,355 |
| Net loans and leases to total assets | 64.0308% | 4,982 |
| Net loans and leases to deposits | 71.1793% | 5,845 |
| Net loans and leases to core deposits | 84.0390% | 6,057 |
| Total domestic deposits to total assets | 89.9570% | 821 |
| Equity capital to assets | 7.7378% | 7,140 |
| Core capital (leverage) ratio | 7.8140% | 6,730 |
| Tier 1 risk-based capital ratio | 11.2952% | 5,602 |
| Total risk-based capital ratio | 12.5574% | 5,502 |
| Memoranda: | ||
| Average total assets | $225,408,500 | 2,927 |
| Average earning assets | $210,330,500 | 2,878 |
| Average equity | $17,105,500 | 3,715 |
| Average total loans | $144,584,500 | 3,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2235% | 4,401 |
| Cost of funding earning assets | 1.2697% | 7,872 |
| Net interest margin | 4.9538% | 564 |
| Noninterest income to average assets | 0.9124% | 1,911 |
| Noninterest expense to average assets | 4.0004% | 1,422 |
| Loan and lease loss provision to assets | 0.4549% | 3,014 |
| Net operating income to assets | 0.7875% | 3,494 |
| Return on assets (ROA) | 0.5586% | 4,343 |
| Pretax return on assets | 0.7564% | 4,225 |
| Return on Equity (ROE) | 7.7315% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.2347% | 1,891 |
| Net charge-offs to loans | 0.0060% | 6,883 |
| Credit loss provision to net charge-offs | 13,050.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 436.2500% | 119 |
| Efficiency ratio | 72.4568% | 3,852 |
| Assets per employee ($millions) | 2.5454% | 7,122 |
| Cash dividends to net income (ytd only)* | 32.2933% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 1,116 |
| Loan loss allowance to noncurrent loans | 68.9123% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.8871% | 2,607 |
| Noncurrent loans to loans | 3.0034% | 1,785 |
| Net loans and leases to total assets | 61.5312% | 5,691 |
| Net loans and leases to deposits | 68.6799% | 6,397 |
| Net loans and leases to core deposits | 82.2146% | 6,441 |
| Total domestic deposits to total assets | 89.5913% | 814 |
| Equity capital to assets | 7.4410% | 7,436 |
| Core capital (leverage) ratio | 7.6249% | 7,041 |
| Tier 1 risk-based capital ratio | 11.4588% | 5,278 |
| Total risk-based capital ratio | 12.7166% | 5,163 |
| Memoranda: | ||
| Average total assets | $229,501,200 | 2,770 |
| Average earning assets | $213,514,200 | 2,726 |
| Average equity | $16,581,600 | 3,813 |
| Average total loans | $133,922,000 | 3,198 |