Home > First Minnetonka City Bank > Performance and Condition Ratios
First Minnetonka City 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 | 3.6146% | 4,340 |
| Cost of funding earning assets | 0.9996% | 3,295 |
| Net interest margin | 2.6149% | 3,944 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.1226% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7900% | 2,904 |
| Return on assets (ROA) | 0.7186% | 3,114 |
| Pretax return on assets | 0.7920% | 3,229 |
| Return on Equity (ROE) | 11.8800% | 1,982 |
| Retained earnings to average equity (ytd only) | 1.1046% | 3,810 |
| Net charge-offs to loans | 0.0104% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 173.3077% | 646 |
| Efficiency ratio | 70.9178% | 1,772 |
| Assets per employee ($millions) | 8.4497% | 1,202 |
| Cash dividends to net income (ytd only)* | 90.6989% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 1,839 |
| Loan loss allowance to noncurrent loans | 610.1504% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 2,830 |
| Noncurrent loans to loans | 0.2108% | 2,467 |
| Net loans and leases to total assets | 49.1500% | 3,647 |
| Net loans and leases to deposits | 54.3390% | 3,773 |
| Net loans and leases to core deposits | 56.8374% | 3,882 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 7.3593% | 3,786 |
| Core capital (leverage) ratio | 10.4399% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $258,830,600 | 2,627 |
| Average earning assets | $245,286,000 | 2,601 |
| Average equity | $15,661,800 | 3,209 |
| Average total loans | $124,707,200 | 2,905 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 4,391 |
| Cost of funding earning assets | 0.9730% | 3,110 |
| Net interest margin | 2.5178% | 4,121 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.1714% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6587% | 3,410 |
| Return on assets (ROA) | 0.5648% | 3,622 |
| Pretax return on assets | 0.6324% | 3,674 |
| Return on Equity (ROE) | 9.8500% | 2,682 |
| Retained earnings to average equity (ytd only) | -2.6731% | 4,352 |
| Net charge-offs to loans | 0.0139% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 110.7692% | 878 |
| Efficiency ratio | 74.6345% | 1,305 |
| Assets per employee ($millions) | 8.5036% | 1,119 |
| Cash dividends to net income (ytd only)* | 127.1325% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 1,969 |
| Loan loss allowance to noncurrent loans | 1,690.6250% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,423 |
| Noncurrent loans to loans | 0.0756% | 3,219 |
| Net loans and leases to total assets | 49.1300% | 3,680 |
| Net loans and leases to deposits | 53.1886% | 3,828 |
| Net loans and leases to core deposits | 55.5662% | 3,873 |
| Total domestic deposits to total assets | 92.3600% | 393 |
| Equity capital to assets | 5.4757% | 4,144 |
| Core capital (leverage) ratio | 10.1856% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $260,165,750 | 2,629 |
| Average earning assets | $246,659,500 | 2,596 |
| Average equity | $14,913,500 | 3,268 |
| Average total loans | $124,332,750 | 2,909 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3541% | 4,439 |
| Cost of funding earning assets | 0.9368% | 2,813 |
| Net interest margin | 2.4173% | 4,287 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2028% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4685% | 3,877 |
| Return on assets (ROA) | 0.3376% | 4,128 |
| Pretax return on assets | 0.4124% | 4,102 |
| Return on Equity (ROE) | 5.8000% | 3,733 |
| Retained earnings to average equity (ytd only) | -10.0865% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.3834% | 879 |
| Assets per employee ($millions) | 8.5139% | 1,086 |
| Cash dividends to net income (ytd only)* | 273.7557% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 1,856 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.0200% | 3,686 |
| Net loans and leases to deposits | 52.6623% | 3,807 |
| Net loans and leases to core deposits | 55.1166% | 3,844 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 5.9812% | 4,161 |
| Core capital (leverage) ratio | 10.0634% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $261,851,667 | 2,627 |
| Average earning assets | $248,292,000 | 2,590 |
| Average equity | $15,228,333 | 3,250 |
| Average total loans | $123,461,667 | 2,912 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 4,494 |
| Cost of funding earning assets | 0.9332% | 2,264 |
| Net interest margin | 2.2597% | 4,471 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.4582% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0679% | 4,448 |
| Return on assets (ROA) | -0.2490% | 4,550 |
| Pretax return on assets | -0.1750% | 4,517 |
| Return on Equity (ROE) | -4.3400% | 4,545 |
| Retained earnings to average equity (ytd only) | -32.4125% | 4,644 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.5444% | 249 |
| Assets per employee ($millions) | 8.1462% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,929 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.7800% | 3,727 |
| Net loans and leases to deposits | 50.6059% | 3,865 |
| Net loans and leases to core deposits | 53.0547% | 3,869 |
| Total domestic deposits to total assets | 92.4400% | 416 |
| Equity capital to assets | 5.9069% | 4,236 |
| Core capital (leverage) ratio | 9.7209% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $265,069,500 | 2,640 |
| Average earning assets | $251,183,000 | 2,612 |
| Average equity | $15,204,000 | 3,287 |
| Average total loans | $123,054,500 | 2,947 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8258% | 4,303 |
| Cost of funding earning assets | 0.1630% | 4,041 |
| Net interest margin | 2.6627% | 4,098 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 1.9447% | 3,734 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0916% | 2,213 |
| Return on assets (ROA) | 1.0830% | 2,189 |
| Pretax return on assets | 1.1388% | 2,645 |
| Return on Equity (ROE) | 17.0700% | 851 |
| Retained earnings to average equity (ytd only) | 5.8168% | 2,713 |
| Net charge-offs to loans | -0.1350% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7733% | 2,658 |
| Assets per employee ($millions) | 8.4206% | 1,130 |
| Cash dividends to net income (ytd only)* | 65.9197% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,740 |
| Loan loss allowance to noncurrent loans | 376.9585% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,411 |
| Noncurrent loans to loans | 0.3542% | 1,876 |
| Net loans and leases to total assets | 44.8600% | 3,854 |
| Net loans and leases to deposits | 49.8207% | 3,906 |
| Net loans and leases to core deposits | 51.0707% | 3,938 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 5.5704% | 4,222 |
| Core capital (leverage) ratio | 9.7719% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $276,080,200 | 2,571 |
| Average earning assets | $261,308,800 | 2,540 |
| Average equity | $17,518,200 | 3,160 |
| Average total loans | $120,026,000 | 2,919 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7297% | 4,268 |
| Cost of funding earning assets | 0.1218% | 4,111 |
| Net interest margin | 2.6079% | 4,088 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.9683% | 3,561 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0406% | 2,318 |
| Return on assets (ROA) | 1.0283% | 2,343 |
| Pretax return on assets | 1.0801% | 2,777 |
| Return on Equity (ROE) | 15.7400% | 1,028 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,684 |
| Net charge-offs to loans | -0.1809% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1427% | 2,532 |
| Assets per employee ($millions) | 8.6526% | 1,004 |
| Cash dividends to net income (ytd only)* | 78.6648% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,805 |
| Loan loss allowance to noncurrent loans | 2,371.0145% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,677 |
| Noncurrent loans to loans | 0.0569% | 3,475 |
| Net loans and leases to total assets | 44.5800% | 3,843 |
| Net loans and leases to deposits | 46.9915% | 3,992 |
| Net loans and leases to core deposits | 47.9876% | 4,031 |
| Total domestic deposits to total assets | 94.8700% | 242 |
| Equity capital to assets | 4.3995% | 4,419 |
| Core capital (leverage) ratio | 9.6277% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $277,735,250 | 2,580 |
| Average earning assets | $262,780,500 | 2,552 |
| Average equity | $18,145,250 | 3,153 |
| Average total loans | $119,401,750 | 2,935 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6407% | 4,230 |
| Cost of funding earning assets | 0.1203% | 3,959 |
| Net interest margin | 2.5204% | 4,056 |
| Noninterest income to average assets | 0.5148% | 2,115 |
| Noninterest expense to average assets | 1.9323% | 3,627 |
| Loan and lease loss provision to assets | 0.0107% | 2,394 |
| Net operating income to assets | 0.9132% | 2,528 |
| Return on assets (ROA) | 0.8943% | 2,582 |
| Pretax return on assets | 0.9384% | 2,933 |
| Return on Equity (ROE) | 12.3988% | 1,549 |
| Retained earnings to average equity (ytd only) | -2.3495% | 4,408 |
| Net charge-offs to loans | -0.2727% | 4,637 |
| Credit loss provision to net charge-offs | -9.2593% | 2,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6012% | 2,429 |
| Assets per employee ($millions) | 8.6871% | 989 |
| Cash dividends to net income (ytd only)* | 118.9490% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.7080% | 3,857 |
| Net loans and leases to deposits | 46.4663% | 4,003 |
| Net loans and leases to core deposits | 47.4411% | 4,057 |
| Total domestic deposits to total assets | 94.0639% | 271 |
| Equity capital to assets | 5.8901% | 4,235 |
| Core capital (leverage) ratio | 9.1639% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,903,000 | 2,581 |
| Average earning assets | $265,990,667 | 2,562 |
| Average equity | $20,260,000 | 3,045 |
| Average total loans | $118,799,000 | 2,960 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4851% | 4,285 |
| Cost of funding earning assets | 0.1116% | 3,988 |
| Net interest margin | 2.3735% | 4,120 |
| Noninterest income to average assets | 0.5078% | 2,106 |
| Noninterest expense to average assets | 2.1179% | 3,085 |
| Loan and lease loss provision to assets | 0.0209% | 1,980 |
| Net operating income to assets | 0.6027% | 3,384 |
| Return on assets (ROA) | 0.6027% | 3,366 |
| Pretax return on assets | 0.6236% | 3,569 |
| Return on Equity (ROE) | 7.6940% | 2,805 |
| Retained earnings to average equity (ytd only) | -15.5127% | 4,650 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 1,453 |
| Assets per employee ($millions) | 9.4310% | 785 |
| Cash dividends to net income (ytd only)* | 301.6204% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.4897% | 3,979 |
| Net loans and leases to deposits | 43.3476% | 4,098 |
| Net loans and leases to core deposits | 44.3034% | 4,147 |
| Total domestic deposits to total assets | 93.4068% | 182 |
| Equity capital to assets | 6.5352% | 4,416 |
| Core capital (leverage) ratio | 8.8808% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0123% | 562 |
| Memoranda: | ||
| Average total assets | $286,704,000 | 2,571 |
| Average earning assets | $272,340,000 | 2,537 |
| Average equity | $22,459,000 | 2,947 |
| Average total loans | $118,527,500 | 2,956 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 4,242 |
| Cost of funding earning assets | 0.1337% | 4,125 |
| Net interest margin | 2.6386% | 3,981 |
| Noninterest income to average assets | 0.5340% | 2,423 |
| Noninterest expense to average assets | 1.8804% | 3,965 |
| Loan and lease loss provision to assets | 0.0646% | 1,771 |
| Net operating income to assets | 0.9880% | 2,721 |
| Return on assets (ROA) | 0.9887% | 2,785 |
| Pretax return on assets | 1.0963% | 2,980 |
| Return on Equity (ROE) | 10.2683% | 2,423 |
| Retained earnings to average equity (ytd only) | 2.1916% | 3,923 |
| Net charge-offs to loans | -0.0102% | 3,745 |
| Credit loss provision to net charge-offs | -1,384.6154% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8435% | 2,892 |
| Assets per employee ($millions) | 9.6826% | 736 |
| Cash dividends to net income (ytd only)* | 78.6570% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 41.1617% | 4,021 |
| Net loans and leases to deposits | 45.3099% | 4,125 |
| Net loans and leases to core deposits | 46.3265% | 4,169 |
| Total domestic deposits to total assets | 90.8448% | 556 |
| Equity capital to assets | 9.0981% | 3,517 |
| Core capital (leverage) ratio | 9.1056% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2643% | 539 |
| Memoranda: | ||
| Average total assets | $278,659,600 | 2,551 |
| Average earning assets | $264,723,600 | 2,524 |
| Average equity | $26,830,200 | 2,736 |
| Average total loans | $127,656,400 | 2,884 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8449% | 4,242 |
| Cost of funding earning assets | 0.1390% | 4,199 |
| Net interest margin | 2.7059% | 3,958 |
| Noninterest income to average assets | 0.5586% | 2,380 |
| Noninterest expense to average assets | 1.9581% | 3,794 |
| Loan and lease loss provision to assets | 0.0653% | 1,691 |
| Net operating income to assets | 1.1031% | 2,546 |
| Return on assets (ROA) | 1.1041% | 2,596 |
| Pretax return on assets | 1.1060% | 3,181 |
| Return on Equity (ROE) | 11.3028% | 2,273 |
| Retained earnings to average equity (ytd only) | 0.5743% | 4,485 |
| Net charge-offs to loans | -0.0124% | 3,761 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5908% | 2,595 |
| Assets per employee ($millions) | 9.5435% | 754 |
| Cash dividends to net income (ytd only)* | 94.9190% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 41.7053% | 4,110 |
| Net loans and leases to deposits | 45.8989% | 4,231 |
| Net loans and leases to core deposits | 46.8581% | 4,286 |
| Total domestic deposits to total assets | 90.8635% | 411 |
| Equity capital to assets | 9.0364% | 3,794 |
| Core capital (leverage) ratio | 9.3483% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4498% | 644 |
| Memoranda: | ||
| Average total assets | $275,704,750 | 2,587 |
| Average earning assets | $261,841,750 | 2,560 |
| Average equity | $26,930,750 | 2,761 |
| Average total loans | $129,314,250 | 2,902 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9707% | 4,096 |
| Cost of funding earning assets | 0.1505% | 4,200 |
| Net interest margin | 2.8202% | 3,749 |
| Noninterest income to average assets | 0.5547% | 2,389 |
| Noninterest expense to average assets | 1.9473% | 3,843 |
| Loan and lease loss provision to assets | 0.0669% | 1,709 |
| Net operating income to assets | 1.2127% | 2,140 |
| Return on assets (ROA) | 1.2134% | 2,215 |
| Pretax return on assets | 1.2164% | 2,866 |
| Return on Equity (ROE) | 12.0905% | 2,019 |
| Retained earnings to average equity (ytd only) | -1.1335% | 4,617 |
| Net charge-offs to loans | -0.0183% | 3,956 |
| Credit loss provision to net charge-offs | -750.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2901% | 2,981 |
| Assets per employee ($millions) | 8.4873% | 1,013 |
| Cash dividends to net income (ytd only)* | 109.3750% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.5023% | 3,937 |
| Net loans and leases to deposits | 50.5450% | 4,073 |
| Net loans and leases to core deposits | 51.6431% | 4,149 |
| Total domestic deposits to total assets | 90.0233% | 765 |
| Equity capital to assets | 9.8309% | 3,025 |
| Core capital (leverage) ratio | 9.5599% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4218% | 654 |
| Memoranda: | ||
| Average total assets | $268,990,667 | 2,622 |
| Average earning assets | $255,160,333 | 2,595 |
| Average equity | $26,996,333 | 2,738 |
| Average total loans | $130,820,000 | 2,891 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0052% | 4,072 |
| Cost of funding earning assets | 0.1638% | 4,210 |
| Net interest margin | 2.8414% | 3,663 |
| Noninterest income to average assets | 0.5200% | 2,520 |
| Noninterest expense to average assets | 2.2160% | 3,058 |
| Loan and lease loss provision to assets | 0.0672% | 1,807 |
| Net operating income to assets | 0.9265% | 3,058 |
| Return on assets (ROA) | 0.9279% | 3,126 |
| Pretax return on assets | 0.9339% | 3,528 |
| Return on Equity (ROE) | 9.1510% | 2,981 |
| Retained earnings to average equity (ytd only) | -6.6164% | 4,739 |
| Net charge-offs to loans | -0.0329% | 4,213 |
| Credit loss provision to net charge-offs | -409.0909% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9126% | 1,823 |
| Assets per employee ($millions) | 8.6080% | 951 |
| Cash dividends to net income (ytd only)* | 172.3027% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 47.0758% | 3,885 |
| Net loans and leases to deposits | 52.1817% | 4,036 |
| Net loans and leases to core deposits | 53.2385% | 4,131 |
| Total domestic deposits to total assets | 90.2151% | 718 |
| Equity capital to assets | 9.6026% | 3,101 |
| Core capital (leverage) ratio | 9.7340% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7084% | 609 |
| Memoranda: | ||
| Average total assets | $267,689,500 | 2,611 |
| Average earning assets | $253,962,500 | 2,585 |
| Average equity | $27,144,500 | 2,720 |
| Average total loans | $133,755,500 | 2,850 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 4,128 |
| Cost of funding earning assets | 0.2767% | 4,262 |
| Net interest margin | 3.1695% | 3,436 |
| Noninterest income to average assets | 0.6179% | 2,147 |
| Noninterest expense to average assets | 2.0368% | 4,069 |
| Loan and lease loss provision to assets | 0.0731% | 3,473 |
| Net operating income to assets | 1.4933% | 825 |
| Return on assets (ROA) | 1.4945% | 899 |
| Pretax return on assets | 1.4961% | 1,336 |
| Return on Equity (ROE) | 13.8661% | 848 |
| Retained earnings to average equity (ytd only) | 4.9750% | 2,280 |
| Net charge-offs to loans | 0.0220% | 2,615 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | 128.6667% | 658 |
| Efficiency ratio | 56.5021% | 3,919 |
| Assets per employee ($millions) | 8.3846% | 916 |
| Cash dividends to net income (ytd only)* | 64.1207% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.0346% | 3,655 |
| Net loans and leases to deposits | 58.3840% | 3,871 |
| Net loans and leases to core deposits | 59.6767% | 3,965 |
| Total domestic deposits to total assets | 89.1249% | 932 |
| Equity capital to assets | 10.7101% | 2,511 |
| Core capital (leverage) ratio | 10.1140% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9459% | 587 |
| Memoranda: | ||
| Average total assets | $246,165,800 | 2,599 |
| Average earning assets | $231,992,800 | 2,589 |
| Average equity | $26,532,400 | 2,710 |
| Average total loans | $136,311,200 | 2,788 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 4,347 |
| Cost of funding earning assets | 0.2970% | 4,326 |
| Net interest margin | 3.1039% | 3,724 |
| Noninterest income to average assets | 0.6443% | 2,001 |
| Noninterest expense to average assets | 2.1461% | 3,828 |
| Loan and lease loss provision to assets | 0.0742% | 3,391 |
| Net operating income to assets | 1.3441% | 1,250 |
| Return on assets (ROA) | 1.3452% | 1,341 |
| Pretax return on assets | 1.3474% | 1,883 |
| Return on Equity (ROE) | 12.4599% | 1,255 |
| Retained earnings to average equity (ytd only) | 3.1646% | 3,446 |
| Net charge-offs to loans | -0.0010% | 3,814 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1725% | 3,368 |
| Assets per employee ($millions) | 7.8553% | 1,057 |
| Cash dividends to net income (ytd only)* | 74.6019% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 4,209 |
| Loan loss allowance to noncurrent loans | 62,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,536 |
| Noncurrent loans to loans | 0.0014% | 4,463 |
| Net loans and leases to total assets | 55.9076% | 3,632 |
| Net loans and leases to deposits | 62.7114% | 3,886 |
| Net loans and leases to core deposits | 64.4657% | 3,987 |
| Total domestic deposits to total assets | 89.1507% | 706 |
| Equity capital to assets | 10.4983% | 2,792 |
| Core capital (leverage) ratio | 9.8732% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2242% | 648 |
| Memoranda: | ||
| Average total assets | $242,726,500 | 2,609 |
| Average earning assets | $228,526,750 | 2,590 |
| Average equity | $26,206,000 | 2,716 |
| Average total loans | $136,260,000 | 2,793 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 4,441 |
| Cost of funding earning assets | 0.3167% | 4,409 |
| Net interest margin | 3.1604% | 3,764 |
| Noninterest income to average assets | 0.7006% | 1,734 |
| Noninterest expense to average assets | 2.2198% | 3,721 |
| Loan and lease loss provision to assets | 0.0759% | 3,344 |
| Net operating income to assets | 1.3717% | 1,173 |
| Return on assets (ROA) | 1.3725% | 1,266 |
| Pretax return on assets | 1.3759% | 1,783 |
| Return on Equity (ROE) | 12.5860% | 1,198 |
| Retained earnings to average equity (ytd only) | 1.0359% | 4,089 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4731% | 3,345 |
| Assets per employee ($millions) | 7.9715% | 980 |
| Cash dividends to net income (ytd only)* | 91.7690% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.1834% | 3,759 |
| Net loans and leases to deposits | 61.6791% | 4,024 |
| Net loans and leases to core deposits | 63.5133% | 4,103 |
| Total domestic deposits to total assets | 89.4686% | 585 |
| Equity capital to assets | 10.1608% | 3,057 |
| Core capital (leverage) ratio | 9.8907% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7996% | 694 |
| Memoranda: | ||
| Average total assets | $237,227,333 | 2,626 |
| Average earning assets | $222,945,000 | 2,602 |
| Average equity | $25,870,000 | 2,732 |
| Average total loans | $132,954,000 | 2,827 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,480 |
| Cost of funding earning assets | 0.3638% | 4,475 |
| Net interest margin | 3.2817% | 3,639 |
| Noninterest income to average assets | 0.6794% | 1,730 |
| Noninterest expense to average assets | 2.4662% | 3,372 |
| Loan and lease loss provision to assets | 0.0802% | 2,707 |
| Net operating income to assets | 1.1984% | 1,519 |
| Return on assets (ROA) | 1.2001% | 1,634 |
| Pretax return on assets | 1.2073% | 2,169 |
| Return on Equity (ROE) | 10.5816% | 1,539 |
| Retained earnings to average equity (ytd only) | -2.4056% | 4,294 |
| Net charge-offs to loans | 0.0095% | 2,228 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 240.3333% | 292 |
| Efficiency ratio | 65.7319% | 3,004 |
| Assets per employee ($millions) | 6.9684% | 1,105 |
| Cash dividends to net income (ytd only)* | 122.7340% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,039 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.2049% | 3,973 |
| Net loans and leases to deposits | 61.0284% | 4,158 |
| Net loans and leases to core deposits | 63.0334% | 4,232 |
| Total domestic deposits to total assets | 88.8192% | 749 |
| Equity capital to assets | 11.1277% | 2,752 |
| Core capital (leverage) ratio | 11.2738% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6903% | 900 |
| Memoranda: | ||
| Average total assets | $224,310,500 | 2,678 |
| Average earning assets | $210,014,500 | 2,665 |
| Average equity | $25,440,500 | 2,750 |
| Average total loans | $126,245,000 | 2,885 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,430 |
| Cost of funding earning assets | 0.4073% | 4,422 |
| Net interest margin | 3.4924% | 3,475 |
| Noninterest income to average assets | 0.6082% | 2,175 |
| Noninterest expense to average assets | 2.4094% | 3,666 |
| Loan and lease loss provision to assets | 0.0827% | 2,356 |
| Net operating income to assets | 1.3758% | 1,430 |
| Return on assets (ROA) | 1.3726% | 1,514 |
| Pretax return on assets | 1.3745% | 2,249 |
| Return on Equity (ROE) | 12.4545% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.2553% | 3,387 |
| Net charge-offs to loans | 0.0227% | 2,955 |
| Credit loss provision to net charge-offs | 642.8571% | 484 |
| Earnings coverage of net charge-offs (x) | 113.5357% | 610 |
| Efficiency ratio | 62.2626% | 3,336 |
| Assets per employee ($millions) | 6.6262% | 1,222 |
| Cash dividends to net income (ytd only)* | 73.8621% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,050 |
| Loan loss allowance to noncurrent loans | 388.8502% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 3,979 |
| Noncurrent loans to loans | 0.2265% | 3,636 |
| Net loans and leases to total assets | 57.4251% | 3,815 |
| Net loans and leases to deposits | 64.9578% | 4,009 |
| Net loans and leases to core deposits | 67.3663% | 4,117 |
| Total domestic deposits to total assets | 88.4037% | 937 |
| Equity capital to assets | 11.5666% | 2,475 |
| Core capital (leverage) ratio | 11.4419% | 2,153 |
| Tier 1 risk-based capital ratio | 18.6441% | 1,604 |
| Total risk-based capital ratio | 19.4849% | 1,657 |
| Memoranda: | ||
| Average total assets | $217,686,200 | 2,682 |
| Average earning assets | $203,299,400 | 2,676 |
| Average equity | $23,991,400 | 2,797 |
| Average total loans | $123,582,800 | 2,902 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 4,548 |
| Cost of funding earning assets | 0.4128% | 4,455 |
| Net interest margin | 3.4819% | 3,622 |
| Noninterest income to average assets | 0.6285% | 2,078 |
| Noninterest expense to average assets | 2.4693% | 3,515 |
| Loan and lease loss provision to assets | 0.0828% | 2,251 |
| Net operating income to assets | 1.3275% | 1,740 |
| Return on assets (ROA) | 1.3226% | 1,834 |
| Pretax return on assets | 1.3251% | 2,584 |
| Return on Equity (ROE) | 12.1520% | 1,557 |
| Retained earnings to average equity (ytd only) | 1.6000% | 4,401 |
| Net charge-offs to loans | 0.0011% | 3,419 |
| Credit loss provision to net charge-offs | 13,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,309.7143% | 30 |
| Efficiency ratio | 63.6076% | 3,079 |
| Assets per employee ($millions) | 6.7378% | 1,136 |
| Cash dividends to net income (ytd only)* | 86.8335% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 4,181 |
| Loan loss allowance to noncurrent loans | 325.8160% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,955 |
| Noncurrent loans to loans | 0.2656% | 3,597 |
| Net loans and leases to total assets | 58.3444% | 3,840 |
| Net loans and leases to deposits | 65.9351% | 4,068 |
| Net loans and leases to core deposits | 68.4852% | 4,139 |
| Total domestic deposits to total assets | 88.4876% | 834 |
| Equity capital to assets | 11.4419% | 2,702 |
| Core capital (leverage) ratio | 11.2984% | 2,379 |
| Tier 1 risk-based capital ratio | 18.2076% | 1,759 |
| Total risk-based capital ratio | 19.0321% | 1,830 |
| Memoranda: | ||
| Average total assets | $217,441,750 | 2,706 |
| Average earning assets | $203,181,250 | 2,698 |
| Average equity | $23,666,250 | 2,835 |
| Average total loans | $122,807,500 | 2,942 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 4,632 |
| Cost of funding earning assets | 0.4112% | 4,464 |
| Net interest margin | 3.4429% | 3,761 |
| Noninterest income to average assets | 0.5889% | 2,205 |
| Noninterest expense to average assets | 2.3939% | 3,747 |
| Loan and lease loss provision to assets | 0.0825% | 2,192 |
| Net operating income to assets | 1.3263% | 1,671 |
| Return on assets (ROA) | 1.3190% | 1,762 |
| Pretax return on assets | 1.3226% | 2,466 |
| Return on Equity (ROE) | 12.3266% | 1,465 |
| Retained earnings to average equity (ytd only) | -0.8743% | 4,814 |
| Net charge-offs to loans | -0.0033% | 4,044 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8916% | 3,303 |
| Assets per employee ($millions) | 6.4658% | 1,253 |
| Cash dividends to net income (ytd only)* | 107.0932% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,274 |
| Loan loss allowance to noncurrent loans | 324.2331% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,356 |
| Noncurrent loans to loans | 0.2614% | 3,593 |
| Net loans and leases to total assets | 57.9500% | 3,920 |
| Net loans and leases to deposits | 65.3726% | 4,137 |
| Net loans and leases to core deposits | 67.9693% | 4,204 |
| Total domestic deposits to total assets | 88.6457% | 806 |
| Equity capital to assets | 11.3005% | 2,784 |
| Core capital (leverage) ratio | 10.9059% | 2,684 |
| Tier 1 risk-based capital ratio | 17.9782% | 1,813 |
| Total risk-based capital ratio | 18.7745% | 1,897 |
| Memoranda: | ||
| Average total assets | $218,052,000 | 2,709 |
| Average earning assets | $203,781,000 | 2,697 |
| Average equity | $23,331,670 | 2,852 |
| Average total loans | $121,445,000 | 2,972 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,802 |
| Cost of funding earning assets | 0.4000% | 4,483 |
| Net interest margin | 3.3362% | 4,072 |
| Noninterest income to average assets | 0.5681% | 2,192 |
| Noninterest expense to average assets | 2.4720% | 3,581 |
| Loan and lease loss provision to assets | 0.0817% | 2,067 |
| Net operating income to assets | 1.1253% | 2,368 |
| Return on assets (ROA) | 1.1325% | 2,391 |
| Pretax return on assets | 1.1398% | 3,014 |
| Return on Equity (ROE) | 10.8798% | 1,989 |
| Retained earnings to average equity (ytd only) | -4.3415% | 4,890 |
| Net charge-offs to loans | -0.0033% | 3,937 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0606% | 2,790 |
| Assets per employee ($millions) | 6.2941% | 1,354 |
| Cash dividends to net income (ytd only)* | 139.9038% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 4,427 |
| Loan loss allowance to noncurrent loans | 299.4083% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 2,482 |
| Noncurrent loans to loans | 0.2765% | 3,574 |
| Net loans and leases to total assets | 55.0390% | 4,134 |
| Net loans and leases to deposits | 61.5720% | 4,325 |
| Net loans and leases to core deposits | 63.8751% | 4,386 |
| Total domestic deposits to total assets | 89.3896% | 697 |
| Equity capital to assets | 10.5559% | 3,300 |
| Core capital (leverage) ratio | 10.7953% | 2,770 |
| Tier 1 risk-based capital ratio | 17.9024% | 1,818 |
| Total risk-based capital ratio | 18.6655% | 1,918 |
| Memoranda: | ||
| Average total assets | $220,392,000 | 2,719 |
| Average earning assets | $205,981,500 | 2,706 |
| Average equity | $22,941,500 | 2,887 |
| Average total loans | $119,814,500 | 3,019 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,837 |
| Cost of funding earning assets | 0.2920% | 4,607 |
| Net interest margin | 3.2755% | 4,321 |
| Noninterest income to average assets | 0.6417% | 2,082 |
| Noninterest expense to average assets | 2.3127% | 4,088 |
| Loan and lease loss provision to assets | 0.0816% | 2,497 |
| Net operating income to assets | 1.3130% | 1,744 |
| Return on assets (ROA) | 1.3093% | 1,740 |
| Pretax return on assets | 1.3093% | 2,464 |
| Return on Equity (ROE) | 13.3087% | 1,231 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,127 |
| Net charge-offs to loans | -0.0009% | 4,180 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3839% | 3,458 |
| Assets per employee ($millions) | 6.4850% | 1,222 |
| Cash dividends to net income (ytd only)* | 67.0128% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,456 |
| Loan loss allowance to noncurrent loans | 3,015.6250% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 2,418 |
| Noncurrent loans to loans | 0.0273% | 4,649 |
| Net loans and leases to total assets | 52.7935% | 4,369 |
| Net loans and leases to deposits | 61.3303% | 4,410 |
| Net loans and leases to core deposits | 63.4917% | 4,475 |
| Total domestic deposits to total assets | 86.0806% | 2,187 |
| Equity capital to assets | 10.2630% | 3,418 |
| Core capital (leverage) ratio | 10.9779% | 2,545 |
| Tier 1 risk-based capital ratio | 18.5196% | 1,615 |
| Total risk-based capital ratio | 19.2654% | 1,710 |
| Memoranda: | ||
| Average total assets | $220,647,600 | 2,690 |
| Average earning assets | $206,501,000 | 2,666 |
| Average equity | $21,707,600 | 2,914 |
| Average total loans | $113,725,000 | 3,086 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 4,913 |
| Cost of funding earning assets | 0.2671% | 4,694 |
| Net interest margin | 3.2527% | 4,394 |
| Noninterest income to average assets | 0.6652% | 2,002 |
| Noninterest expense to average assets | 2.3502% | 3,977 |
| Loan and lease loss provision to assets | 0.0816% | 2,321 |
| Net operating income to assets | 1.2790% | 1,934 |
| Return on assets (ROA) | 1.2766% | 1,946 |
| Pretax return on assets | 1.2766% | 2,702 |
| Return on Equity (ROE) | 13.1174% | 1,384 |
| Retained earnings to average equity (ytd only) | 2.8743% | 4,281 |
| Net charge-offs to loans | 0.0024% | 3,401 |
| Credit loss provision to net charge-offs | 6,750.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,124.5655% | 70 |
| Efficiency ratio | 63.3344% | 3,287 |
| Assets per employee ($millions) | 6.3329% | 1,270 |
| Cash dividends to net income (ytd only)* | 78.0883% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 4,577 |
| Loan loss allowance to noncurrent loans | 55.1683% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 1,208 |
| Noncurrent loans to loans | 1.4683% | 1,108 |
| Net loans and leases to total assets | 52.2056% | 4,473 |
| Net loans and leases to deposits | 58.9561% | 4,599 |
| Net loans and leases to core deposits | 61.1598% | 4,652 |
| Total domestic deposits to total assets | 88.5500% | 1,026 |
| Equity capital to assets | 10.0052% | 3,641 |
| Core capital (leverage) ratio | 10.5868% | 2,990 |
| Tier 1 risk-based capital ratio | 18.5777% | 1,638 |
| Total risk-based capital ratio | 19.3042% | 1,732 |
| Memoranda: | ||
| Average total assets | $220,686,750 | 2,703 |
| Average earning assets | $206,634,500 | 2,678 |
| Average equity | $21,477,250 | 2,952 |
| Average total loans | $112,813,750 | 3,126 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4790% | 4,946 |
| Cost of funding earning assets | 0.2220% | 4,906 |
| Net interest margin | 3.2570% | 4,366 |
| Noninterest income to average assets | 0.6419% | 2,132 |
| Noninterest expense to average assets | 2.4937% | 3,648 |
| Loan and lease loss provision to assets | 0.0809% | 2,291 |
| Net operating income to assets | 1.1138% | 2,533 |
| Return on assets (ROA) | 1.1120% | 2,542 |
| Pretax return on assets | 1.1120% | 3,260 |
| Return on Equity (ROE) | 11.5309% | 1,896 |
| Retained earnings to average equity (ytd only) | -1.1839% | 5,087 |
| Net charge-offs to loans | 0.0053% | 2,970 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 207 |
| Efficiency ratio | 67.6091% | 2,708 |
| Assets per employee ($millions) | 6.2862% | 1,275 |
| Cash dividends to net income (ytd only)* | 110.2668% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 4,800 |
| Loan loss allowance to noncurrent loans | 51.9357% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 1,269 |
| Noncurrent loans to loans | 1.4714% | 1,145 |
| Net loans and leases to total assets | 51.4672% | 4,509 |
| Net loans and leases to deposits | 58.5908% | 4,606 |
| Net loans and leases to core deposits | 60.6023% | 4,674 |
| Total domestic deposits to total assets | 87.8418% | 1,455 |
| Equity capital to assets | 9.6666% | 3,944 |
| Core capital (leverage) ratio | 10.2711% | 3,265 |
| Tier 1 risk-based capital ratio | 17.8727% | 1,835 |
| Total risk-based capital ratio | 18.5537% | 1,954 |
| Memoranda: | ||
| Average total assets | $222,476,330 | 2,705 |
| Average earning assets | $208,103,670 | 2,685 |
| Average equity | $21,455,330 | 2,970 |
| Average total loans | $112,643,000 | 3,133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 4,991 |
| Cost of funding earning assets | 0.2047% | 4,991 |
| Net interest margin | 3.2173% | 4,409 |
| Noninterest income to average assets | 0.5883% | 2,324 |
| Noninterest expense to average assets | 2.3942% | 3,960 |
| Loan and lease loss provision to assets | 0.0805% | 2,177 |
| Net operating income to assets | 1.1211% | 2,329 |
| Return on assets (ROA) | 1.1229% | 2,339 |
| Pretax return on assets | 1.1229% | 3,082 |
| Return on Equity (ROE) | 11.6572% | 1,702 |
| Retained earnings to average equity (ytd only) | -8.3531% | 5,319 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5838% | 3,068 |
| Assets per employee ($millions) | 6.0281% | 1,497 |
| Cash dividends to net income (ytd only)* | 171.6561% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,946 |
| Loan loss allowance to noncurrent loans | 112.4661% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 1,947 |
| Noncurrent loans to loans | 0.6569% | 2,580 |
| Net loans and leases to total assets | 49.9991% | 4,557 |
| Net loans and leases to deposits | 55.1894% | 4,735 |
| Net loans and leases to core deposits | 58.5151% | 4,726 |
| Total domestic deposits to total assets | 90.5954% | 445 |
| Equity capital to assets | 9.3728% | 4,211 |
| Core capital (leverage) ratio | 10.0770% | 3,449 |
| Tier 1 risk-based capital ratio | 17.7640% | 1,903 |
| Total risk-based capital ratio | 18.4174% | 2,021 |
| Memoranda: | ||
| Average total assets | $223,706,500 | 2,719 |
| Average earning assets | $209,120,500 | 2,702 |
| Average equity | $21,549,000 | 2,994 |
| Average total loans | $111,910,500 | 3,165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 4,845 |
| Cost of funding earning assets | 0.1977% | 4,966 |
| Net interest margin | 3.2654% | 4,270 |
| Noninterest income to average assets | 0.6297% | 2,309 |
| Noninterest expense to average assets | 2.2107% | 4,504 |
| Loan and lease loss provision to assets | 0.2281% | 857 |
| Net operating income to assets | 1.2338% | 1,415 |
| Return on assets (ROA) | 1.2465% | 1,391 |
| Pretax return on assets | 1.2479% | 2,564 |
| Return on Equity (ROE) | 12.3207% | 1,121 |
| Retained earnings to average equity (ytd only) | 2.8457% | 3,608 |
| Net charge-offs to loans | 0.8166% | 242 |
| Credit loss provision to net charge-offs | 55.6174% | 3,266 |
| Earnings coverage of net charge-offs (x) | 3.5673% | 3,586 |
| Efficiency ratio | 60.1714% | 4,238 |
| Assets per employee ($millions) | 6.0641% | 1,475 |
| Cash dividends to net income (ytd only)* | 76.9034% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 5,065 |
| Loan loss allowance to noncurrent loans | 98.7421% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 1,864 |
| Noncurrent loans to loans | 0.7132% | 2,419 |
| Net loans and leases to total assets | 49.3321% | 4,683 |
| Net loans and leases to deposits | 55.4477% | 4,827 |
| Net loans and leases to core deposits | 58.7825% | 4,815 |
| Total domestic deposits to total assets | 88.9706% | 1,014 |
| Equity capital to assets | 9.8911% | 3,827 |
| Core capital (leverage) ratio | 10.3625% | 3,000 |
| Tier 1 risk-based capital ratio | 18.0529% | 1,790 |
| Total risk-based capital ratio | 18.6687% | 1,920 |
| Memoranda: | ||
| Average total assets | $219,165,600 | 2,732 |
| Average earning assets | $204,327,200 | 2,728 |
| Average equity | $22,174,000 | 2,941 |
| Average total loans | $110,086,400 | 3,180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 4,887 |
| Cost of funding earning assets | 0.1997% | 4,979 |
| Net interest margin | 3.2557% | 4,307 |
| Noninterest income to average assets | 0.6530% | 2,192 |
| Noninterest expense to average assets | 2.2172% | 4,489 |
| Loan and lease loss provision to assets | 0.1530% | 1,359 |
| Net operating income to assets | 1.3127% | 1,288 |
| Return on assets (ROA) | 1.3298% | 1,279 |
| Pretax return on assets | 1.3323% | 2,353 |
| Return on Equity (ROE) | 13.0688% | 1,042 |
| Retained earnings to average equity (ytd only) | 2.1531% | 4,569 |
| Net charge-offs to loans | 0.5941% | 329 |
| Credit loss provision to net charge-offs | 51.1247% | 2,899 |
| Earnings coverage of net charge-offs (x) | 4.9060% | 3,169 |
| Efficiency ratio | 60.1627% | 4,186 |
| Assets per employee ($millions) | 6.1957% | 1,383 |
| Cash dividends to net income (ytd only)* | 83.5251% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,656 |
| Loan loss allowance to noncurrent loans | 167.6732% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 2,298 |
| Noncurrent loans to loans | 0.5239% | 3,130 |
| Net loans and leases to total assets | 47.7599% | 4,846 |
| Net loans and leases to deposits | 53.3043% | 4,992 |
| Net loans and leases to core deposits | 56.4855% | 4,973 |
| Total domestic deposits to total assets | 89.5985% | 621 |
| Equity capital to assets | 10.3374% | 3,548 |
| Core capital (leverage) ratio | 10.4041% | 3,080 |
| Tier 1 risk-based capital ratio | 18.5156% | 1,722 |
| Total risk-based capital ratio | 19.2843% | 1,799 |
| Memoranda: | ||
| Average total assets | $217,863,750 | 2,770 |
| Average earning assets | $202,918,000 | 2,766 |
| Average equity | $22,169,250 | 2,959 |
| Average total loans | $109,739,750 | 3,211 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 4,830 |
| Cost of funding earning assets | 0.1996% | 4,989 |
| Net interest margin | 3.2726% | 4,201 |
| Noninterest income to average assets | 0.6487% | 2,211 |
| Noninterest expense to average assets | 2.3365% | 4,253 |
| Loan and lease loss provision to assets | 0.2313% | 746 |
| Net operating income to assets | 1.1261% | 1,870 |
| Return on assets (ROA) | 1.1178% | 1,944 |
| Pretax return on assets | 1.1215% | 3,084 |
| Return on Equity (ROE) | 11.0454% | 1,628 |
| Retained earnings to average equity (ytd only) | -2.9351% | 5,428 |
| Net charge-offs to loans | 0.9032% | 215 |
| Credit loss provision to net charge-offs | 50.1002% | 2,560 |
| Earnings coverage of net charge-offs (x) | 2.9479% | 3,100 |
| Efficiency ratio | 63.1882% | 3,803 |
| Assets per employee ($millions) | 6.0504% | 1,422 |
| Cash dividends to net income (ytd only)* | 126.5728% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 4,841 |
| Loan loss allowance to noncurrent loans | 1,612.0690% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 2,954 |
| Noncurrent loans to loans | 0.0521% | 4,930 |
| Net loans and leases to total assets | 50.6919% | 4,662 |
| Net loans and leases to deposits | 56.5485% | 4,833 |
| Net loans and leases to core deposits | 60.1160% | 4,816 |
| Total domestic deposits to total assets | 89.6431% | 666 |
| Equity capital to assets | 10.3138% | 3,556 |
| Core capital (leverage) ratio | 10.1939% | 3,288 |
| Tier 1 risk-based capital ratio | 17.5206% | 2,004 |
| Total risk-based capital ratio | 18.2624% | 2,107 |
| Memoranda: | ||
| Average total assets | $216,136,670 | 2,797 |
| Average earning assets | $201,368,670 | 2,794 |
| Average equity | $21,873,330 | 2,985 |
| Average total loans | $110,496,330 | 3,214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 4,890 |
| Cost of funding earning assets | 0.1953% | 5,018 |
| Net interest margin | 3.2246% | 4,261 |
| Noninterest income to average assets | 0.6670% | 2,110 |
| Noninterest expense to average assets | 2.4394% | 4,003 |
| Loan and lease loss provision to assets | 0.0557% | 2,691 |
| Net operating income to assets | 1.1705% | 1,587 |
| Return on assets (ROA) | 1.1705% | 1,632 |
| Pretax return on assets | 1.1779% | 2,688 |
| Return on Equity (ROE) | 11.6788% | 1,342 |
| Retained earnings to average equity (ytd only) | -11.3266% | 5,608 |
| Net charge-offs to loans | 0.0036% | 2,847 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 664.0000% | 80 |
| Efficiency ratio | 66.4138% | 3,427 |
| Assets per employee ($millions) | 5.8221% | 1,628 |
| Cash dividends to net income (ytd only)* | 196.9841% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,710 |
| Loan loss allowance to noncurrent loans | 242.1158% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 2,414 |
| Noncurrent loans to loans | 0.4549% | 3,467 |
| Net loans and leases to total assets | 50.5677% | 4,625 |
| Net loans and leases to deposits | 56.2059% | 4,803 |
| Net loans and leases to core deposits | 58.3582% | 4,860 |
| Total domestic deposits to total assets | 89.9688% | 673 |
| Equity capital to assets | 9.9843% | 3,777 |
| Core capital (leverage) ratio | 10.1327% | 3,336 |
| Tier 1 risk-based capital ratio | 17.3835% | 2,072 |
| Total risk-based capital ratio | 18.3520% | 2,099 |
| Memoranda: | ||
| Average total assets | $215,297,000 | 2,833 |
| Average earning assets | $200,707,500 | 2,823 |
| Average equity | $21,577,500 | 3,023 |
| Average total loans | $110,069,500 | 3,247 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 4,496 |
| Cost of funding earning assets | 0.2120% | 4,910 |
| Net interest margin | 3.3917% | 3,849 |
| Noninterest income to average assets | 0.6125% | 2,598 |
| Noninterest expense to average assets | 2.2560% | 4,642 |
| Loan and lease loss provision to assets | 0.0573% | 3,240 |
| Net operating income to assets | 1.4620% | 896 |
| Return on assets (ROA) | 1.4624% | 921 |
| Pretax return on assets | 1.4643% | 1,698 |
| Return on Equity (ROE) | 13.7734% | 812 |
| Retained earnings to average equity (ytd only) | 4.7561% | 2,503 |
| Net charge-offs to loans | 0.0951% | 2,342 |
| Credit loss provision to net charge-offs | 112.1495% | 2,344 |
| Earnings coverage of net charge-offs (x) | 29.7570% | 1,438 |
| Efficiency ratio | 59.7268% | 4,626 |
| Assets per employee ($millions) | 6.1479% | 1,372 |
| Cash dividends to net income (ytd only)* | 65.4688% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,848 |
| Loan loss allowance to noncurrent loans | 147.2637% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 3,256 |
| Noncurrent loans to loans | 0.7309% | 2,700 |
| Net loans and leases to total assets | 50.5679% | 4,721 |
| Net loans and leases to deposits | 56.2392% | 4,902 |
| Net loans and leases to core deposits | 58.4111% | 4,940 |
| Total domestic deposits to total assets | 89.9157% | 672 |
| Equity capital to assets | 10.0601% | 3,663 |
| Core capital (leverage) ratio | 10.4664% | 2,913 |
| Tier 1 risk-based capital ratio | 18.0817% | 1,830 |
| Total risk-based capital ratio | 19.0383% | 1,865 |
| Memoranda: | ||
| Average total assets | $209,308,200 | 2,857 |
| Average earning assets | $195,303,000 | 2,847 |
| Average equity | $22,224,000 | 2,972 |
| Average total loans | $112,509,600 | 3,181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 4,449 |
| Cost of funding earning assets | 0.2152% | 4,922 |
| Net interest margin | 3.4190% | 3,776 |
| Noninterest income to average assets | 0.6210% | 2,567 |
| Noninterest expense to average assets | 2.2773% | 4,587 |
| Loan and lease loss provision to assets | 0.0770% | 2,688 |
| Net operating income to assets | 1.4543% | 969 |
| Return on assets (ROA) | 1.4549% | 1,012 |
| Pretax return on assets | 1.4575% | 1,863 |
| Return on Equity (ROE) | 13.5188% | 917 |
| Retained earnings to average equity (ytd only) | 3.5645% | 3,760 |
| Net charge-offs to loans | 0.0766% | 2,228 |
| Credit loss provision to net charge-offs | 184.6154% | 1,519 |
| Earnings coverage of net charge-offs (x) | 36.7865% | 1,304 |
| Efficiency ratio | 59.7543% | 4,580 |
| Assets per employee ($millions) | 5.9976% | 1,433 |
| Cash dividends to net income (ytd only)* | 73.6332% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,923 |
| Loan loss allowance to noncurrent loans | 130.1486% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 3,225 |
| Noncurrent loans to loans | 0.8325% | 2,600 |
| Net loans and leases to total assets | 51.8408% | 4,669 |
| Net loans and leases to deposits | 58.0404% | 4,875 |
| Net loans and leases to core deposits | 60.2534% | 4,922 |
| Total domestic deposits to total assets | 89.3184% | 751 |
| Equity capital to assets | 10.6075% | 3,445 |
| Core capital (leverage) ratio | 10.3268% | 3,194 |
| Tier 1 risk-based capital ratio | 17.4415% | 2,097 |
| Total risk-based capital ratio | 18.4169% | 2,135 |
| Memoranda: | ||
| Average total assets | $207,841,250 | 2,890 |
| Average earning assets | $193,930,250 | 2,868 |
| Average equity | $22,368,250 | 2,979 |
| Average total loans | $113,138,500 | 3,180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,401 |
| Cost of funding earning assets | 0.2188% | 4,951 |
| Net interest margin | 3.4462% | 3,703 |
| Noninterest income to average assets | 0.5927% | 2,656 |
| Noninterest expense to average assets | 2.3875% | 4,376 |
| Loan and lease loss provision to assets | 0.0975% | 2,206 |
| Net operating income to assets | 1.3132% | 1,242 |
| Return on assets (ROA) | 1.3132% | 1,332 |
| Pretax return on assets | 1.3171% | 2,340 |
| Return on Equity (ROE) | 12.1406% | 1,261 |
| Retained earnings to average equity (ytd only) | -0.3335% | 5,344 |
| Net charge-offs to loans | 0.0371% | 2,715 |
| Credit loss provision to net charge-offs | 476.1905% | 685 |
| Earnings coverage of net charge-offs (x) | 69.0952% | 783 |
| Efficiency ratio | 62.7949% | 4,206 |
| Assets per employee ($millions) | 5.6416% | 1,667 |
| Cash dividends to net income (ytd only)* | 102.7468% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 4,003 |
| Loan loss allowance to noncurrent loans | 127.2912% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 3,221 |
| Noncurrent loans to loans | 0.8552% | 2,603 |
| Net loans and leases to total assets | 54.4084% | 4,470 |
| Net loans and leases to deposits | 61.0285% | 4,729 |
| Net loans and leases to core deposits | 62.9101% | 4,816 |
| Total domestic deposits to total assets | 89.1524% | 849 |
| Equity capital to assets | 10.7992% | 3,283 |
| Core capital (leverage) ratio | 10.3514% | 3,128 |
| Tier 1 risk-based capital ratio | 16.8026% | 2,305 |
| Total risk-based capital ratio | 17.7893% | 2,357 |
| Memoranda: | ||
| Average total assets | $205,150,670 | 2,929 |
| Average earning assets | $191,052,670 | 2,919 |
| Average equity | $22,190,000 | 3,006 |
| Average total loans | $113,132,330 | 3,185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 4,431 |
| Cost of funding earning assets | 0.2263% | 4,937 |
| Net interest margin | 3.4414% | 3,709 |
| Noninterest income to average assets | 0.5862% | 2,613 |
| Noninterest expense to average assets | 2.5236% | 4,001 |
| Loan and lease loss provision to assets | 0.0787% | 2,389 |
| Net operating income to assets | 1.1763% | 1,628 |
| Return on assets (ROA) | 1.1763% | 1,732 |
| Pretax return on assets | 1.1841% | 2,765 |
| Return on Equity (ROE) | 10.8658% | 1,641 |
| Retained earnings to average equity (ytd only) | -4.5789% | 5,587 |
| Net charge-offs to loans | 0.0819% | 1,676 |
| Credit loss provision to net charge-offs | 173.9130% | 1,177 |
| Earnings coverage of net charge-offs (x) | 27.9130% | 1,231 |
| Efficiency ratio | 66.6494% | 3,694 |
| Assets per employee ($millions) | 5.7537% | 1,619 |
| Cash dividends to net income (ytd only)* | 142.1405% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,464 |
| Loan loss allowance to noncurrent loans | 121.8462% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 3,253 |
| Noncurrent loans to loans | 0.8423% | 2,741 |
| Net loans and leases to total assets | 55.3079% | 4,324 |
| Net loans and leases to deposits | 61.9269% | 4,578 |
| Net loans and leases to core deposits | 63.9820% | 4,694 |
| Total domestic deposits to total assets | 89.3117% | 937 |
| Equity capital to assets | 10.6323% | 3,330 |
| Core capital (leverage) ratio | 10.4924% | 2,974 |
| Tier 1 risk-based capital ratio | 16.6376% | 2,426 |
| Total risk-based capital ratio | 17.5755% | 2,503 |
| Memoranda: | ||
| Average total assets | $203,357,000 | 2,950 |
| Average earning assets | $189,108,000 | 2,943 |
| Average equity | $22,014,000 | 3,027 |
| Average total loans | $112,288,000 | 3,208 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,550 |
| Cost of funding earning assets | 0.2423% | 4,860 |
| Net interest margin | 3.4006% | 3,912 |
| Noninterest income to average assets | 0.6931% | 2,241 |
| Noninterest expense to average assets | 2.3119% | 4,750 |
| Loan and lease loss provision to assets | 0.1228% | 1,951 |
| Net operating income to assets | 1.4053% | 1,032 |
| Return on assets (ROA) | 1.4118% | 1,057 |
| Pretax return on assets | 1.4158% | 1,836 |
| Return on Equity (ROE) | 13.0694% | 1,046 |
| Retained earnings to average equity (ytd only) | 4.1709% | 3,020 |
| Net charge-offs to loans | 0.2426% | 1,238 |
| Credit loss provision to net charge-offs | 98.7903% | 2,575 |
| Earnings coverage of net charge-offs (x) | 12.3266% | 2,478 |
| Efficiency ratio | 60.1434% | 4,889 |
| Assets per employee ($millions) | 5.5439% | 1,750 |
| Cash dividends to net income (ytd only)* | 68.0866% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 4,171 |
| Loan loss allowance to noncurrent loans | 124.5745% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 3,247 |
| Noncurrent loans to loans | 0.8638% | 2,622 |
| Net loans and leases to total assets | 53.9410% | 4,509 |
| Net loans and leases to deposits | 60.6639% | 4,724 |
| Net loans and leases to core deposits | 62.6752% | 4,830 |
| Total domestic deposits to total assets | 88.9178% | 1,153 |
| Equity capital to assets | 11.0256% | 2,792 |
| Core capital (leverage) ratio | 10.8349% | 2,578 |
| Tier 1 risk-based capital ratio | 17.6466% | 2,074 |
| Total risk-based capital ratio | 18.6157% | 2,114 |
| Memoranda: | ||
| Average total assets | $199,534,800 | 2,959 |
| Average earning assets | $184,878,800 | 2,944 |
| Average equity | $21,554,200 | 3,021 |
| Average total loans | $102,231,200 | 3,348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,612 |
| Cost of funding earning assets | 0.2455% | 4,931 |
| Net interest margin | 3.3935% | 3,990 |
| Noninterest income to average assets | 0.7204% | 2,149 |
| Noninterest expense to average assets | 2.3001% | 4,778 |
| Loan and lease loss provision to assets | 0.1136% | 1,987 |
| Net operating income to assets | 1.4421% | 1,023 |
| Return on assets (ROA) | 1.4508% | 1,050 |
| Pretax return on assets | 1.4561% | 1,813 |
| Return on Equity (ROE) | 13.4999% | 1,004 |
| Retained earnings to average equity (ytd only) | 3.9424% | 3,661 |
| Net charge-offs to loans | 0.3818% | 674 |
| Credit loss provision to net charge-offs | 59.0278% | 2,919 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 2,845 |
| Efficiency ratio | 59.5708% | 4,937 |
| Assets per employee ($millions) | 5.5634% | 1,718 |
| Cash dividends to net income (ytd only)* | 70.7969% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,679 |
| Loan loss allowance to noncurrent loans | 11,744.4444% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 5,180 |
| Noncurrent loans to loans | 0.0086% | 5,610 |
| Net loans and leases to total assets | 53.0819% | 4,657 |
| Net loans and leases to deposits | 59.9205% | 4,865 |
| Net loans and leases to core deposits | 61.7361% | 4,959 |
| Total domestic deposits to total assets | 88.5872% | 1,250 |
| Equity capital to assets | 11.3229% | 2,679 |
| Core capital (leverage) ratio | 11.0171% | 2,474 |
| Tier 1 risk-based capital ratio | 18.4743% | 1,908 |
| Total risk-based capital ratio | 19.3761% | 1,962 |
| Memoranda: | ||
| Average total assets | $199,523,250 | 2,972 |
| Average earning assets | $184,663,000 | 2,975 |
| Average equity | $21,441,500 | 3,053 |
| Average total loans | $100,582,250 | 3,412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,819 |
| Cost of funding earning assets | 0.2450% | 4,995 |
| Net interest margin | 3.3210% | 4,210 |
| Noninterest income to average assets | 0.7040% | 2,199 |
| Noninterest expense to average assets | 2.2812% | 4,885 |
| Loan and lease loss provision to assets | 0.0945% | 2,236 |
| Net operating income to assets | 1.3942% | 1,099 |
| Return on assets (ROA) | 1.3942% | 1,138 |
| Pretax return on assets | 1.4021% | 1,972 |
| Return on Equity (ROE) | 13.2019% | 1,076 |
| Retained earnings to average equity (ytd only) | 0.8852% | 5,208 |
| Net charge-offs to loans | 0.5659% | 430 |
| Credit loss provision to net charge-offs | 33.8078% | 2,882 |
| Earnings coverage of net charge-offs (x) | 5.3559% | 2,928 |
| Efficiency ratio | 60.3843% | 4,931 |
| Assets per employee ($millions) | 5.0648% | 2,187 |
| Cash dividends to net income (ytd only)* | 93.2953% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 5,038 |
| Loan loss allowance to noncurrent loans | 3,193.5484% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,269 |
| Noncurrent loans to loans | 0.0302% | 5,633 |
| Net loans and leases to total assets | 50.2209% | 4,913 |
| Net loans and leases to deposits | 59.2880% | 4,912 |
| Net loans and leases to core deposits | 60.9912% | 5,009 |
| Total domestic deposits to total assets | 84.7066% | 3,251 |
| Equity capital to assets | 10.4432% | 3,506 |
| Core capital (leverage) ratio | 10.2776% | 3,242 |
| Tier 1 risk-based capital ratio | 17.5080% | 2,219 |
| Total risk-based capital ratio | 18.3527% | 2,314 |
| Memoranda: | ||
| Average total assets | $201,124,330 | 2,981 |
| Average earning assets | $186,150,670 | 2,974 |
| Average equity | $21,239,330 | 3,086 |
| Average total loans | $99,303,670 | 3,451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 4,815 |
| Cost of funding earning assets | 0.2465% | 5,057 |
| Net interest margin | 3.3080% | 4,182 |
| Noninterest income to average assets | 0.7326% | 2,010 |
| Noninterest expense to average assets | 2.4831% | 4,315 |
| Loan and lease loss provision to assets | 0.0399% | 3,111 |
| Net operating income to assets | 1.2476% | 1,413 |
| Return on assets (ROA) | 1.2476% | 1,500 |
| Pretax return on assets | 1.2635% | 2,409 |
| Return on Equity (ROE) | 11.7478% | 1,414 |
| Retained earnings to average equity (ytd only) | -8.5336% | 6,096 |
| Net charge-offs to loans | 0.0779% | 1,922 |
| Credit loss provision to net charge-offs | 105.2632% | 1,553 |
| Earnings coverage of net charge-offs (x) | 34.3684% | 1,063 |
| Efficiency ratio | 65.5772% | 4,226 |
| Assets per employee ($millions) | 5.0119% | 2,341 |
| Cash dividends to net income (ytd only)* | 172.6400% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,072 |
| Loan loss allowance to noncurrent loans | 963.9344% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 5,163 |
| Noncurrent loans to loans | 0.1226% | 5,336 |
| Net loans and leases to total assets | 49.0378% | 4,935 |
| Net loans and leases to deposits | 54.8930% | 5,130 |
| Net loans and leases to core deposits | 56.3938% | 5,228 |
| Total domestic deposits to total assets | 89.3334% | 1,078 |
| Equity capital to assets | 10.6023% | 3,420 |
| Core capital (leverage) ratio | 9.5003% | 4,275 |
| Tier 1 risk-based capital ratio | 15.9279% | 2,953 |
| Total risk-based capital ratio | 16.9298% | 3,011 |
| Memoranda: | ||
| Average total assets | $200,391,000 | 3,008 |
| Average earning assets | $185,003,500 | 2,997 |
| Average equity | $21,280,500 | 3,103 |
| Average total loans | $97,589,000 | 3,495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 5,014 |
| Cost of funding earning assets | 0.2837% | 4,968 |
| Net interest margin | 3.3416% | 4,435 |
| Noninterest income to average assets | 0.7011% | 2,299 |
| Noninterest expense to average assets | 2.4741% | 4,629 |
| Loan and lease loss provision to assets | 0.0126% | 4,365 |
| Net operating income to assets | 1.3064% | 1,292 |
| Return on assets (ROA) | 1.3074% | 1,339 |
| Pretax return on assets | 1.3104% | 2,206 |
| Return on Equity (ROE) | 12.7356% | 1,200 |
| Retained earnings to average equity (ytd only) | 4.3042% | 3,127 |
| Net charge-offs to loans | 0.1594% | 2,438 |
| Credit loss provision to net charge-offs | 16.2338% | 4,020 |
| Earnings coverage of net charge-offs (x) | 17.0195% | 1,964 |
| Efficiency ratio | 65.1741% | 4,377 |
| Assets per employee ($millions) | 5.7230% | 1,590 |
| Cash dividends to net income (ytd only)* | 66.2037% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 3,843 |
| Loan loss allowance to noncurrent loans | 3,455.8824% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 5,408 |
| Noncurrent loans to loans | 0.0355% | 5,746 |
| Net loans and leases to total assets | 47.1868% | 5,232 |
| Net loans and leases to deposits | 52.8293% | 5,420 |
| Net loans and leases to core deposits | 54.6729% | 5,463 |
| Total domestic deposits to total assets | 89.3193% | 1,059 |
| Equity capital to assets | 10.6367% | 3,315 |
| Core capital (leverage) ratio | 10.4447% | 3,004 |
| Tier 1 risk-based capital ratio | 17.2675% | 2,394 |
| Total risk-based capital ratio | 18.2608% | 2,463 |
| Memoranda: | ||
| Average total assets | $198,256,200 | 3,019 |
| Average earning assets | $183,624,000 | 2,995 |
| Average equity | $20,352,400 | 3,125 |
| Average total loans | $96,603,800 | 3,485 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 5,064 |
| Cost of funding earning assets | 0.2900% | 4,989 |
| Net interest margin | 3.3405% | 4,466 |
| Noninterest income to average assets | 0.7188% | 2,238 |
| Noninterest expense to average assets | 2.5170% | 4,471 |
| Loan and lease loss provision to assets | 0.0169% | 4,077 |
| Net operating income to assets | 1.2797% | 1,434 |
| Return on assets (ROA) | 1.2811% | 1,481 |
| Pretax return on assets | 1.2851% | 2,436 |
| Return on Equity (ROE) | 12.5946% | 1,323 |
| Retained earnings to average equity (ytd only) | 2.6780% | 4,686 |
| Net charge-offs to loans | 0.1831% | 1,993 |
| Credit loss provision to net charge-offs | 18.7970% | 3,590 |
| Earnings coverage of net charge-offs (x) | 14.5037% | 2,138 |
| Efficiency ratio | 65.9308% | 4,220 |
| Assets per employee ($millions) | 5.4299% | 1,793 |
| Cash dividends to net income (ytd only)* | 78.7370% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 3,988 |
| Loan loss allowance to noncurrent loans | 1,840.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 5,503 |
| Noncurrent loans to loans | 0.0677% | 5,748 |
| Net loans and leases to total assets | 48.5392% | 5,145 |
| Net loans and leases to deposits | 54.4038% | 5,351 |
| Net loans and leases to core deposits | 56.1807% | 5,436 |
| Total domestic deposits to total assets | 89.2202% | 1,117 |
| Equity capital to assets | 10.6831% | 3,326 |
| Core capital (leverage) ratio | 10.1682% | 3,449 |
| Tier 1 risk-based capital ratio | 17.0533% | 2,598 |
| Total risk-based capital ratio | 18.0755% | 2,625 |
| Memoranda: | ||
| Average total assets | $197,743,750 | 3,043 |
| Average earning assets | $183,438,500 | 3,018 |
| Average equity | $20,114,000 | 3,158 |
| Average total loans | $96,831,500 | 3,513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 5,103 |
| Cost of funding earning assets | 0.2954% | 5,012 |
| Net interest margin | 3.3198% | 4,507 |
| Noninterest income to average assets | 0.7214% | 2,180 |
| Noninterest expense to average assets | 2.5683% | 4,356 |
| Loan and lease loss provision to assets | 0.0252% | 3,777 |
| Net operating income to assets | 1.2020% | 1,583 |
| Return on assets (ROA) | 1.2040% | 1,642 |
| Pretax return on assets | 1.2101% | 2,628 |
| Return on Equity (ROE) | 12.0357% | 1,412 |
| Retained earnings to average equity (ytd only) | -0.8259% | 5,833 |
| Net charge-offs to loans | 0.2349% | 1,634 |
| Credit loss provision to net charge-offs | 21.9298% | 3,179 |
| Earnings coverage of net charge-offs (x) | 10.7368% | 2,219 |
| Efficiency ratio | 67.5590% | 4,097 |
| Assets per employee ($millions) | 5.3211% | 1,852 |
| Cash dividends to net income (ytd only)* | 106.8619% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,223 |
| Loan loss allowance to noncurrent loans | 2,057.6271% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 5,635 |
| Noncurrent loans to loans | 0.0602% | 5,852 |
| Net loans and leases to total assets | 49.1627% | 5,057 |
| Net loans and leases to deposits | 56.2981% | 5,169 |
| Net loans and leases to core deposits | 58.2562% | 5,255 |
| Total domestic deposits to total assets | 87.3257% | 2,288 |
| Equity capital to assets | 10.3632% | 3,603 |
| Core capital (leverage) ratio | 9.9209% | 3,716 |
| Tier 1 risk-based capital ratio | 16.5052% | 2,827 |
| Total risk-based capital ratio | 17.5344% | 2,883 |
| Memoranda: | ||
| Average total assets | $198,499,330 | 3,052 |
| Average earning assets | $184,165,670 | 3,023 |
| Average equity | $19,857,670 | 3,184 |
| Average total loans | $97,082,330 | 3,513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 5,227 |
| Cost of funding earning assets | 0.2983% | 5,082 |
| Net interest margin | 3.2831% | 4,611 |
| Noninterest income to average assets | 0.7406% | 1,989 |
| Noninterest expense to average assets | 2.9321% | 3,109 |
| Loan and lease loss provision to assets | 0.0502% | 3,096 |
| Net operating income to assets | 0.7968% | 3,168 |
| Return on assets (ROA) | 0.7968% | 3,246 |
| Pretax return on assets | 0.8068% | 4,079 |
| Return on Equity (ROE) | 8.1082% | 2,879 |
| Retained earnings to average equity (ytd only) | -13.5001% | 6,444 |
| Net charge-offs to loans | 0.4802% | 763 |
| Credit loss provision to net charge-offs | 21.5517% | 2,485 |
| Earnings coverage of net charge-offs (x) | 3.6810% | 2,644 |
| Efficiency ratio | 77.3835% | 2,576 |
| Assets per employee ($millions) | 4.9270% | 2,342 |
| Cash dividends to net income (ytd only)* | 266.4987% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 4,353 |
| Loan loss allowance to noncurrent loans | 8,080.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 5,804 |
| Noncurrent loans to loans | 0.0155% | 6,122 |
| Net loans and leases to total assets | 48.3809% | 5,073 |
| Net loans and leases to deposits | 53.7096% | 5,313 |
| Net loans and leases to core deposits | 55.5071% | 5,389 |
| Total domestic deposits to total assets | 90.0786% | 1,029 |
| Equity capital to assets | 9.8371% | 4,049 |
| Core capital (leverage) ratio | 9.4415% | 4,360 |
| Tier 1 risk-based capital ratio | 16.1477% | 3,089 |
| Total risk-based capital ratio | 17.1839% | 3,156 |
| Memoranda: | ||
| Average total assets | $199,309,500 | 3,059 |
| Average earning assets | $185,068,000 | 3,032 |
| Average equity | $19,585,000 | 3,216 |
| Average total loans | $96,621,000 | 3,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 5,290 |
| Cost of funding earning assets | 0.3939% | 4,721 |
| Net interest margin | 3.2526% | 4,829 |
| Noninterest income to average assets | 0.7409% | 2,330 |
| Noninterest expense to average assets | 2.3692% | 5,165 |
| Loan and lease loss provision to assets | 0.1246% | 2,758 |
| Net operating income to assets | 1.2586% | 1,370 |
| Return on assets (ROA) | 1.2591% | 1,421 |
| Pretax return on assets | 1.2596% | 2,318 |
| Return on Equity (ROE) | 12.7630% | 1,217 |
| Retained earnings to average equity (ytd only) | 4.2527% | 3,152 |
| Net charge-offs to loans | 0.1491% | 3,313 |
| Credit loss provision to net charge-offs | 170.0680% | 1,341 |
| Earnings coverage of net charge-offs (x) | 18.8912% | 1,635 |
| Efficiency ratio | 63.1306% | 5,036 |
| Assets per employee ($millions) | 4.9156% | 2,287 |
| Cash dividends to net income (ytd only)* | 66.6799% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 3,905 |
| Loan loss allowance to noncurrent loans | 904.8611% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 5,484 |
| Noncurrent loans to loans | 0.1489% | 5,752 |
| Net loans and leases to total assets | 47.3248% | 5,363 |
| Net loans and leases to deposits | 53.8728% | 5,480 |
| Net loans and leases to core deposits | 55.6741% | 5,557 |
| Total domestic deposits to total assets | 87.8455% | 2,271 |
| Equity capital to assets | 9.8160% | 4,012 |
| Core capital (leverage) ratio | 9.6725% | 4,023 |
| Tier 1 risk-based capital ratio | 16.4862% | 2,861 |
| Total risk-based capital ratio | 17.5850% | 2,899 |
| Memoranda: | ||
| Average total assets | $200,700,400 | 3,028 |
| Average earning assets | $185,852,200 | 3,014 |
| Average equity | $19,799,400 | 3,173 |
| Average total loans | $98,580,200 | 3,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 5,271 |
| Cost of funding earning assets | 0.4168% | 4,657 |
| Net interest margin | 3.2450% | 4,848 |
| Noninterest income to average assets | 0.6870% | 2,682 |
| Noninterest expense to average assets | 2.4134% | 4,986 |
| Loan and lease loss provision to assets | 0.1663% | 2,180 |
| Net operating income to assets | 1.1099% | 1,971 |
| Return on assets (ROA) | 1.1106% | 2,036 |
| Pretax return on assets | 1.1112% | 3,064 |
| Return on Equity (ROE) | 11.2435% | 1,733 |
| Retained earnings to average equity (ytd only) | 1.3869% | 5,426 |
| Net charge-offs to loans | 0.2006% | 2,634 |
| Credit loss provision to net charge-offs | 167.7852% | 1,421 |
| Earnings coverage of net charge-offs (x) | 12.8860% | 2,085 |
| Efficiency ratio | 65.3992% | 4,591 |
| Assets per employee ($millions) | 4.9318% | 2,260 |
| Cash dividends to net income (ytd only)* | 87.6647% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,011 |
| Loan loss allowance to noncurrent loans | 544.7699% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 5,752 |
| Noncurrent loans to loans | 0.2521% | 5,595 |
| Net loans and leases to total assets | 46.2449% | 5,527 |
| Net loans and leases to deposits | 52.1700% | 5,697 |
| Net loans and leases to core deposits | 53.8581% | 5,771 |
| Total domestic deposits to total assets | 88.6427% | 1,754 |
| Equity capital to assets | 9.5587% | 4,478 |
| Core capital (leverage) ratio | 9.3687% | 4,579 |
| Tier 1 risk-based capital ratio | 16.1291% | 3,114 |
| Total risk-based capital ratio | 17.2395% | 3,155 |
| Memoranda: | ||
| Average total assets | $200,490,750 | 3,050 |
| Average earning assets | $185,550,500 | 3,038 |
| Average equity | $19,803,500 | 3,213 |
| Average total loans | $99,055,000 | 3,498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 5,165 |
| Cost of funding earning assets | 0.4332% | 4,627 |
| Net interest margin | 3.2593% | 4,733 |
| Noninterest income to average assets | 0.6693% | 2,799 |
| Noninterest expense to average assets | 2.4250% | 4,982 |
| Loan and lease loss provision to assets | 0.2501% | 1,487 |
| Net operating income to assets | 1.0114% | 2,283 |
| Return on assets (ROA) | 1.0124% | 2,409 |
| Pretax return on assets | 1.0134% | 3,447 |
| Return on Equity (ROE) | 10.1393% | 2,145 |
| Retained earnings to average equity (ytd only) | -2.2342% | 6,217 |
| Net charge-offs to loans | 0.1991% | 2,570 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 12.6200% | 1,966 |
| Efficiency ratio | 65.7623% | 4,591 |
| Assets per employee ($millions) | 4.7203% | 2,483 |
| Cash dividends to net income (ytd only)* | 122.0356% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,070 |
| Loan loss allowance to noncurrent loans | 139.3814% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 4,735 |
| Noncurrent loans to loans | 0.9990% | 3,936 |
| Net loans and leases to total assets | 48.2954% | 5,301 |
| Net loans and leases to deposits | 54.2943% | 5,499 |
| Net loans and leases to core deposits | 56.5670% | 5,559 |
| Total domestic deposits to total assets | 88.9510% | 1,657 |
| Equity capital to assets | 9.2483% | 4,925 |
| Core capital (leverage) ratio | 9.0809% | 4,857 |
| Tier 1 risk-based capital ratio | 15.6385% | 3,403 |
| Total risk-based capital ratio | 16.7824% | 3,415 |
| Memoranda: | ||
| Average total assets | $199,919,670 | 3,073 |
| Average earning assets | $185,129,330 | 3,050 |
| Average equity | $19,962,000 | 3,210 |
| Average total loans | $100,469,670 | 3,475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 5,061 |
| Cost of funding earning assets | 0.4394% | 4,708 |
| Net interest margin | 3.2889% | 4,557 |
| Noninterest income to average assets | 0.6755% | 2,718 |
| Noninterest expense to average assets | 2.7636% | 3,820 |
| Loan and lease loss provision to assets | 0.1992% | 1,866 |
| Net operating income to assets | 0.7532% | 3,422 |
| Return on assets (ROA) | 0.7532% | 3,558 |
| Pretax return on assets | 0.7552% | 4,353 |
| Return on Equity (ROE) | 7.2778% | 3,338 |
| Retained earnings to average equity (ytd only) | -12.6495% | 6,693 |
| Net charge-offs to loans | 0.1018% | 2,838 |
| Credit loss provision to net charge-offs | 384.6154% | 655 |
| Earnings coverage of net charge-offs (x) | 18.4231% | 1,266 |
| Efficiency ratio | 74.3301% | 3,210 |
| Assets per employee ($millions) | 4.9413% | 2,295 |
| Cash dividends to net income (ytd only)* | 273.8095% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,860 |
| Loan loss allowance to noncurrent loans | 88.6032% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 4,250 |
| Noncurrent loans to loans | 1.4296% | 3,425 |
| Net loans and leases to total assets | 49.0543% | 5,107 |
| Net loans and leases to deposits | 55.6265% | 5,283 |
| Net loans and leases to core deposits | 57.8615% | 5,353 |
| Total domestic deposits to total assets | 88.1851% | 2,205 |
| Equity capital to assets | 10.0581% | 4,069 |
| Core capital (leverage) ratio | 9.0546% | 4,801 |
| Tier 1 risk-based capital ratio | 14.8016% | 3,972 |
| Total risk-based capital ratio | 15.8472% | 4,069 |
| Memoranda: | ||
| Average total assets | $200,753,000 | 3,090 |
| Average earning assets | $185,718,000 | 3,075 |
| Average equity | $20,775,500 | 3,163 |
| Average total loans | $102,155,000 | 3,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 5,315 |
| Cost of funding earning assets | 0.5468% | 4,844 |
| Net interest margin | 3.4505% | 4,702 |
| Noninterest income to average assets | 0.7336% | 2,568 |
| Noninterest expense to average assets | 2.4405% | 5,282 |
| Loan and lease loss provision to assets | 0.2822% | 2,394 |
| Net operating income to assets | 1.1964% | 1,616 |
| Return on assets (ROA) | 1.2523% | 1,600 |
| Pretax return on assets | 1.2523% | 2,596 |
| Return on Equity (ROE) | 12.0303% | 1,502 |
| Retained earnings to average equity (ytd only) | 4.5489% | 3,022 |
| Net charge-offs to loans | 0.6653% | 1,770 |
| Credit loss provision to net charge-offs | 76.6017% | 3,943 |
| Earnings coverage of net charge-offs (x) | 4.0139% | 3,513 |
| Efficiency ratio | 62.2725% | 5,197 |
| Assets per employee ($millions) | 4.8516% | 2,414 |
| Cash dividends to net income (ytd only)* | 62.1876% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,311 |
| Loan loss allowance to noncurrent loans | 71.9593% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 4,063 |
| Noncurrent loans to loans | 1.6101% | 3,208 |
| Net loans and leases to total assets | 51.5067% | 4,978 |
| Net loans and leases to deposits | 58.8708% | 5,143 |
| Net loans and leases to core deposits | 61.2031% | 5,249 |
| Total domestic deposits to total assets | 87.4911% | 2,534 |
| Equity capital to assets | 10.6448% | 3,342 |
| Core capital (leverage) ratio | 9.5808% | 3,993 |
| Tier 1 risk-based capital ratio | 15.1501% | 3,638 |
| Total risk-based capital ratio | 16.1227% | 3,741 |
| Memoranda: | ||
| Average total assets | $194,919,000 | 3,112 |
| Average earning assets | $179,943,200 | 3,092 |
| Average equity | $20,290,400 | 3,166 |
| Average total loans | $107,915,600 | 3,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 5,462 |
| Cost of funding earning assets | 0.5693% | 4,919 |
| Net interest margin | 3.4501% | 4,841 |
| Noninterest income to average assets | 0.7611% | 2,422 |
| Noninterest expense to average assets | 2.4958% | 5,100 |
| Loan and lease loss provision to assets | 0.3094% | 2,134 |
| Net operating income to assets | 1.1434% | 1,936 |
| Return on assets (ROA) | 1.2183% | 1,849 |
| Pretax return on assets | 1.2183% | 2,922 |
| Return on Equity (ROE) | 11.7721% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.9563% | 4,784 |
| Net charge-offs to loans | 0.8491% | 1,299 |
| Credit loss provision to net charge-offs | 64.8415% | 4,031 |
| Earnings coverage of net charge-offs (x) | 3.0447% | 3,816 |
| Efficiency ratio | 63.2074% | 4,944 |
| Assets per employee ($millions) | 4.7766% | 2,495 |
| Cash dividends to net income (ytd only)* | 74.8871% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 5,923 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 3,809 |
| Noncurrent loans to loans | 1.6699% | 3,288 |
| Net loans and leases to total assets | 54.4644% | 4,675 |
| Net loans and leases to deposits | 62.6122% | 4,895 |
| Net loans and leases to core deposits | 65.2357% | 5,030 |
| Total domestic deposits to total assets | 86.9868% | 2,679 |
| Equity capital to assets | 10.6536% | 3,665 |
| Core capital (leverage) ratio | 9.3934% | 4,439 |
| Tier 1 risk-based capital ratio | 14.4630% | 4,214 |
| Total risk-based capital ratio | 15.3556% | 4,414 |
| Memoranda: | ||
| Average total assets | $193,920,250 | 3,161 |
| Average earning assets | $179,158,000 | 3,136 |
| Average equity | $20,069,500 | 3,226 |
| Average total loans | $108,980,750 | 3,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 5,478 |
| Cost of funding earning assets | 0.5858% | 5,020 |
| Net interest margin | 3.4666% | 4,813 |
| Noninterest income to average assets | 0.7212% | 2,550 |
| Noninterest expense to average assets | 2.5362% | 5,012 |
| Loan and lease loss provision to assets | 0.3104% | 2,125 |
| Net operating income to assets | 1.0710% | 2,161 |
| Return on assets (ROA) | 1.1838% | 1,971 |
| Pretax return on assets | 1.1838% | 3,002 |
| Return on Equity (ROE) | 11.5528% | 1,812 |
| Retained earnings to average equity (ytd only) | -0.0606% | 6,046 |
| Net charge-offs to loans | 0.4443% | 2,271 |
| Credit loss provision to net charge-offs | 123.4568% | 2,222 |
| Earnings coverage of net charge-offs (x) | 5.4938% | 2,823 |
| Efficiency ratio | 64.7385% | 4,755 |
| Assets per employee ($millions) | 4.9971% | 2,185 |
| Cash dividends to net income (ytd only)* | 100.5245% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,889 |
| Loan loss allowance to noncurrent loans | 72.1212% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 3,752 |
| Noncurrent loans to loans | 1.8022% | 3,213 |
| Net loans and leases to total assets | 55.6420% | 4,526 |
| Net loans and leases to deposits | 63.3890% | 4,842 |
| Net loans and leases to core deposits | 66.1270% | 4,990 |
| Total domestic deposits to total assets | 87.7786% | 2,292 |
| Equity capital to assets | 10.3870% | 3,831 |
| Core capital (leverage) ratio | 9.2385% | 4,540 |
| Tier 1 risk-based capital ratio | 13.9992% | 4,448 |
| Total risk-based capital ratio | 15.1237% | 4,514 |
| Memoranda: | ||
| Average total assets | $193,280,330 | 3,176 |
| Average earning assets | $178,215,000 | 3,159 |
| Average equity | $19,804,670 | 3,251 |
| Average total loans | $109,378,330 | 3,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 5,748 |
| Cost of funding earning assets | 0.6056% | 5,084 |
| Net interest margin | 3.3972% | 5,136 |
| Noninterest income to average assets | 0.7398% | 2,449 |
| Noninterest expense to average assets | 2.8201% | 3,944 |
| Loan and lease loss provision to assets | 0.3117% | 2,013 |
| Net operating income to assets | 0.7440% | 3,657 |
| Return on assets (ROA) | 0.7440% | 3,891 |
| Pretax return on assets | 0.7440% | 4,631 |
| Return on Equity (ROE) | 7.3115% | 3,600 |
| Retained earnings to average equity (ytd only) | -11.7025% | 6,892 |
| Net charge-offs to loans | 0.1503% | 3,194 |
| Credit loss provision to net charge-offs | 365.8537% | 847 |
| Earnings coverage of net charge-offs (x) | 12.3902% | 1,604 |
| Efficiency ratio | 72.7614% | 3,301 |
| Assets per employee ($millions) | 4.8647% | 2,435 |
| Cash dividends to net income (ytd only)* | 260.0559% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,796 |
| Loan loss allowance to noncurrent loans | 55.8113% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5900% | 3,465 |
| Noncurrent loans to loans | 2.4233% | 2,683 |
| Net loans and leases to total assets | 55.4382% | 4,478 |
| Net loans and leases to deposits | 62.8177% | 4,796 |
| Net loans and leases to core deposits | 65.7662% | 4,940 |
| Total domestic deposits to total assets | 88.2525% | 2,158 |
| Equity capital to assets | 9.9098% | 4,242 |
| Core capital (leverage) ratio | 9.0624% | 4,746 |
| Tier 1 risk-based capital ratio | 13.7435% | 4,647 |
| Total risk-based capital ratio | 14.9245% | 4,684 |
| Memoranda: | ||
| Average total assets | $192,477,000 | 3,206 |
| Average earning assets | $177,677,500 | 3,178 |
| Average equity | $19,585,500 | 3,277 |
| Average total loans | $109,134,000 | 3,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 5,587 |
| Cost of funding earning assets | 0.7511% | 5,204 |
| Net interest margin | 3.6048% | 4,709 |
| Noninterest income to average assets | 0.7664% | 2,256 |
| Noninterest expense to average assets | 2.5655% | 5,225 |
| Loan and lease loss provision to assets | 0.2992% | 3,272 |
| Net operating income to assets | 1.2166% | 1,474 |
| Return on assets (ROA) | 1.2166% | 1,577 |
| Pretax return on assets | 1.2215% | 2,383 |
| Return on Equity (ROE) | 12.3520% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.9330% | 2,690 |
| Net charge-offs to loans | 0.8508% | 2,038 |
| Credit loss provision to net charge-offs | 58.5392% | 5,206 |
| Earnings coverage of net charge-offs (x) | 2.9753% | 3,719 |
| Efficiency ratio | 62.7838% | 5,333 |
| Assets per employee ($millions) | 4.8812% | 2,347 |
| Cash dividends to net income (ytd only)* | 60.0632% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,124 |
| Loan loss allowance to noncurrent loans | 60.6732% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 3,864 |
| Noncurrent loans to loans | 2.0732% | 3,107 |
| Net loans and leases to total assets | 56.4927% | 4,625 |
| Net loans and leases to deposits | 64.5135% | 4,938 |
| Net loans and leases to core deposits | 67.6373% | 5,075 |
| Total domestic deposits to total assets | 87.5672% | 2,434 |
| Equity capital to assets | 10.4471% | 3,586 |
| Core capital (leverage) ratio | 9.5376% | 3,965 |
| Tier 1 risk-based capital ratio | 14.3953% | 4,045 |
| Total risk-based capital ratio | 15.5044% | 4,105 |
| Memoranda: | ||
| Average total assets | $182,148,800 | 3,299 |
| Average earning assets | $167,747,200 | 3,283 |
| Average equity | $17,940,400 | 3,435 |
| Average total loans | $109,426,200 | 3,395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 5,546 |
| Cost of funding earning assets | 0.7806% | 5,275 |
| Net interest margin | 3.6385% | 4,623 |
| Noninterest income to average assets | 0.7914% | 2,097 |
| Noninterest expense to average assets | 2.6304% | 4,970 |
| Loan and lease loss provision to assets | 0.3665% | 2,658 |
| Net operating income to assets | 1.1386% | 1,842 |
| Return on assets (ROA) | 1.1386% | 1,964 |
| Pretax return on assets | 1.1453% | 2,836 |
| Return on Equity (ROE) | 11.7490% | 1,607 |
| Retained earnings to average equity (ytd only) | 3.2619% | 4,397 |
| Net charge-offs to loans | 0.2592% | 3,809 |
| Credit loss provision to net charge-offs | 232.3944% | 1,223 |
| Earnings coverage of net charge-offs (x) | 9.5870% | 2,026 |
| Efficiency ratio | 63.5031% | 5,154 |
| Assets per employee ($millions) | 4.6496% | 2,694 |
| Cash dividends to net income (ytd only)* | 72.2367% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 2,788 |
| Loan loss allowance to noncurrent loans | 72.0651% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 3,575 |
| Noncurrent loans to loans | 2.5642% | 2,700 |
| Net loans and leases to total assets | 58.2034% | 4,476 |
| Net loans and leases to deposits | 66.3587% | 4,849 |
| Net loans and leases to core deposits | 69.7256% | 4,984 |
| Total domestic deposits to total assets | 87.7102% | 2,228 |
| Equity capital to assets | 10.3278% | 3,924 |
| Core capital (leverage) ratio | 9.5049% | 4,138 |
| Tier 1 risk-based capital ratio | 14.0560% | 4,317 |
| Total risk-based capital ratio | 15.3115% | 4,283 |
| Memoranda: | ||
| Average total assets | $180,094,000 | 3,346 |
| Average earning assets | $165,852,500 | 3,324 |
| Average equity | $17,453,500 | 3,518 |
| Average total loans | $109,554,250 | 3,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 5,482 |
| Cost of funding earning assets | 0.8018% | 5,354 |
| Net interest margin | 3.6599% | 4,473 |
| Noninterest income to average assets | 0.7612% | 2,202 |
| Noninterest expense to average assets | 2.6823% | 4,893 |
| Loan and lease loss provision to assets | 0.5558% | 1,739 |
| Net operating income to assets | 0.8847% | 2,715 |
| Return on assets (ROA) | 0.8847% | 2,817 |
| Pretax return on assets | 0.8904% | 3,652 |
| Return on Equity (ROE) | 9.3428% | 2,361 |
| Retained earnings to average equity (ytd only) | -1.5650% | 6,169 |
| Net charge-offs to loans | 0.3861% | 3,015 |
| Credit loss provision to net charge-offs | 234.5972% | 1,283 |
| Earnings coverage of net charge-offs (x) | 6.1043% | 2,469 |
| Efficiency ratio | 64.9714% | 5,066 |
| Assets per employee ($millions) | 4.4875% | 2,861 |
| Cash dividends to net income (ytd only)* | 116.7513% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 2,795 |
| Loan loss allowance to noncurrent loans | 71.9577% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 3,593 |
| Noncurrent loans to loans | 2.5866% | 2,790 |
| Net loans and leases to total assets | 59.9255% | 4,285 |
| Net loans and leases to deposits | 68.0791% | 4,697 |
| Net loans and leases to core deposits | 71.3537% | 4,905 |
| Total domestic deposits to total assets | 88.0233% | 2,118 |
| Equity capital to assets | 9.9628% | 4,207 |
| Core capital (leverage) ratio | 9.3435% | 4,186 |
| Tier 1 risk-based capital ratio | 13.1553% | 4,799 |
| Total risk-based capital ratio | 14.4099% | 4,776 |
| Memoranda: | ||
| Average total assets | $178,130,670 | 3,391 |
| Average earning assets | $163,884,670 | 3,371 |
| Average equity | $16,868,670 | 3,599 |
| Average total loans | $109,310,000 | 3,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 5,627 |
| Cost of funding earning assets | 0.8205% | 5,462 |
| Net interest margin | 3.5980% | 4,578 |
| Noninterest income to average assets | 0.7867% | 2,084 |
| Noninterest expense to average assets | 2.9485% | 3,861 |
| Loan and lease loss provision to assets | 1.1158% | 652 |
| Net operating income to assets | 0.0338% | 6,271 |
| Return on assets (ROA) | 0.0338% | 6,306 |
| Pretax return on assets | 0.0338% | 6,294 |
| Return on Equity (ROE) | 0.3667% | 6,288 |
| Retained earnings to average equity (ytd only) | -18.1646% | 7,122 |
| Net charge-offs to loans | 0.7768% | 1,660 |
| Credit loss provision to net charge-offs | 233.4906% | 1,315 |
| Earnings coverage of net charge-offs (x) | 2.4057% | 3,118 |
| Efficiency ratio | 71.9472% | 3,880 |
| Assets per employee ($millions) | 4.4680% | 2,951 |
| Cash dividends to net income (ytd only)* | 5,053.3333% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 2,823 |
| Loan loss allowance to noncurrent loans | 195.7774% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,446 |
| Noncurrent loans to loans | 0.9504% | 5,135 |
| Net loans and leases to total assets | 60.2073% | 4,228 |
| Net loans and leases to deposits | 68.8963% | 4,541 |
| Net loans and leases to core deposits | 71.9931% | 4,786 |
| Total domestic deposits to total assets | 87.3882% | 2,716 |
| Equity capital to assets | 9.0124% | 5,186 |
| Core capital (leverage) ratio | 9.1114% | 4,432 |
| Tier 1 risk-based capital ratio | 13.1615% | 4,699 |
| Total risk-based capital ratio | 14.4169% | 4,670 |
| Memoranda: | ||
| Average total assets | $177,447,000 | 3,423 |
| Average earning assets | $163,312,500 | 3,397 |
| Average equity | $16,361,500 | 3,662 |
| Average total loans | $109,162,500 | 3,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 5,333 |
| Cost of funding earning assets | 1.0375% | 5,500 |
| Net interest margin | 3.7863% | 4,003 |
| Noninterest income to average assets | 0.7190% | 2,719 |
| Noninterest expense to average assets | 2.5810% | 5,497 |
| Loan and lease loss provision to assets | 1.0345% | 1,561 |
| Net operating income to assets | 0.5400% | 3,927 |
| Return on assets (ROA) | 0.9731% | 2,245 |
| Pretax return on assets | 0.9736% | 3,016 |
| Return on Equity (ROE) | 10.2482% | 1,837 |
| Retained earnings to average equity (ytd only) | 3.4899% | 3,427 |
| Net charge-offs to loans | 1.5192% | 1,446 |
| Credit loss provision to net charge-offs | 102.7088% | 4,400 |
| Earnings coverage of net charge-offs (x) | 1.5638% | 4,565 |
| Efficiency ratio | 62.1034% | 5,715 |
| Assets per employee ($millions) | 4.2969% | 3,216 |
| Cash dividends to net income (ytd only)* | 65.9463% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,517 |
| Loan loss allowance to noncurrent loans | 634.2960% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 6,442 |
| Noncurrent loans to loans | 0.2549% | 6,555 |
| Net loans and leases to total assets | 60.6932% | 4,550 |
| Net loans and leases to deposits | 69.8076% | 4,837 |
| Net loans and leases to core deposits | 72.8094% | 5,122 |
| Total domestic deposits to total assets | 86.9435% | 2,855 |
| Equity capital to assets | 9.4316% | 4,498 |
| Core capital (leverage) ratio | 9.5478% | 3,650 |
| Tier 1 risk-based capital ratio | 13.9236% | 3,917 |
| Total risk-based capital ratio | 15.1761% | 3,887 |
| Memoranda: | ||
| Average total assets | $175,936,400 | 3,440 |
| Average earning assets | $159,707,400 | 3,460 |
| Average equity | $16,705,400 | 3,648 |
| Average total loans | $116,640,200 | 3,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 5,433 |
| Cost of funding earning assets | 1.0825% | 5,536 |
| Net interest margin | 3.7787% | 4,063 |
| Noninterest income to average assets | 0.7209% | 2,699 |
| Noninterest expense to average assets | 2.5457% | 5,539 |
| Loan and lease loss provision to assets | 1.2281% | 1,154 |
| Net operating income to assets | 0.3654% | 4,908 |
| Return on assets (ROA) | 0.9431% | 2,572 |
| Pretax return on assets | 0.9438% | 3,392 |
| Return on Equity (ROE) | 9.9154% | 2,153 |
| Retained earnings to average equity (ytd only) | 1.6419% | 5,132 |
| Net charge-offs to loans | 1.8702% | 1,027 |
| Credit loss provision to net charge-offs | 97.3558% | 4,456 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 4,810 |
| Efficiency ratio | 61.4906% | 5,705 |
| Assets per employee ($millions) | 4.4768% | 2,944 |
| Cash dividends to net income (ytd only)* | 83.4406% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,394 |
| Loan loss allowance to noncurrent loans | 425.0000% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 6,456 |
| Noncurrent loans to loans | 0.3322% | 6,527 |
| Net loans and leases to total assets | 64.9683% | 3,912 |
| Net loans and leases to deposits | 74.9102% | 4,357 |
| Net loans and leases to core deposits | 78.4941% | 4,743 |
| Total domestic deposits to total assets | 86.7282% | 2,674 |
| Equity capital to assets | 9.7592% | 4,464 |
| Core capital (leverage) ratio | 9.3849% | 4,079 |
| Tier 1 risk-based capital ratio | 12.8276% | 4,712 |
| Total risk-based capital ratio | 14.0784% | 4,693 |
| Memoranda: | ||
| Average total assets | $175,877,250 | 3,483 |
| Average earning assets | $159,131,500 | 3,514 |
| Average equity | $16,727,750 | 3,694 |
| Average total loans | $118,629,750 | 3,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 5,510 |
| Cost of funding earning assets | 1.1141% | 5,602 |
| Net interest margin | 3.7598% | 4,092 |
| Noninterest income to average assets | 0.7173% | 2,598 |
| Noninterest expense to average assets | 2.6989% | 4,909 |
| Loan and lease loss provision to assets | 1.5445% | 850 |
| Net operating income to assets | -0.1373% | 6,272 |
| Return on assets (ROA) | 0.5446% | 4,265 |
| Pretax return on assets | 0.5457% | 4,754 |
| Return on Equity (ROE) | 5.7773% | 3,902 |
| Retained earnings to average equity (ytd only) | -4.0417% | 6,444 |
| Net charge-offs to loans | 2.5800% | 655 |
| Credit loss provision to net charge-offs | 88.0626% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.8030% | 4,969 |
| Efficiency ratio | 65.7103% | 5,032 |
| Assets per employee ($millions) | 4.3995% | 3,053 |
| Cash dividends to net income (ytd only)* | 169.9580% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 5,159 |
| Loan loss allowance to noncurrent loans | 381.5000% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 6,463 |
| Noncurrent loans to loans | 0.3287% | 6,569 |
| Net loans and leases to total assets | 68.2881% | 3,293 |
| Net loans and leases to deposits | 79.3736% | 3,718 |
| Net loans and leases to core deposits | 83.1694% | 4,250 |
| Total domestic deposits to total assets | 86.0337% | 3,060 |
| Equity capital to assets | 9.4692% | 4,749 |
| Core capital (leverage) ratio | 9.1021% | 4,458 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,194 |
| Total risk-based capital ratio | 13.2807% | 5,245 |
| Memoranda: | ||
| Average total assets | $174,812,330 | 3,523 |
| Average earning assets | $157,614,670 | 3,561 |
| Average equity | $16,478,330 | 3,724 |
| Average total loans | $118,837,670 | 3,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 5,949 |
| Cost of funding earning assets | 1.1347% | 5,736 |
| Net interest margin | 3.6495% | 4,493 |
| Noninterest income to average assets | 0.7209% | 2,460 |
| Noninterest expense to average assets | 2.8537% | 4,257 |
| Loan and lease loss provision to assets | 2.8239% | 363 |
| Net operating income to assets | -1.6806% | 7,381 |
| Return on assets (ROA) | -0.5303% | 6,880 |
| Pretax return on assets | -0.5280% | 6,806 |
| Return on Equity (ROE) | -5.6391% | 6,915 |
| Retained earnings to average equity (ytd only) | -22.2148% | 7,420 |
| Net charge-offs to loans | 5.1173% | 234 |
| Credit loss provision to net charge-offs | 81.8908% | 3,829 |
| Earnings coverage of net charge-offs (x) | 0.3322% | 4,743 |
| Efficiency ratio | 71.3548% | 4,056 |
| Assets per employee ($millions) | 4.3703% | 3,176 |
| Cash dividends to net income (ytd only)* | -293.9394% | 7,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,271 |
| Loan loss allowance to noncurrent loans | 352.4510% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,474 |
| Noncurrent loans to loans | 0.3523% | 6,596 |
| Net loans and leases to total assets | 65.4166% | 4,017 |
| Net loans and leases to deposits | 74.7894% | 4,623 |
| Net loans and leases to core deposits | 78.6465% | 4,945 |
| Total domestic deposits to total assets | 87.4677% | 2,374 |
| Equity capital to assets | 8.8941% | 5,416 |
| Core capital (leverage) ratio | 8.9453% | 4,656 |
| Tier 1 risk-based capital ratio | 12.1407% | 5,043 |
| Total risk-based capital ratio | 13.2739% | 5,135 |
| Memoranda: | ||
| Average total assets | $174,228,000 | 3,590 |
| Average earning assets | $156,513,500 | 3,639 |
| Average equity | $16,385,500 | 3,766 |
| Average total loans | $117,406,500 | 3,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 5,197 |
| Cost of funding earning assets | 1.4292% | 5,812 |
| Net interest margin | 3.8654% | 3,412 |
| Noninterest income to average assets | 0.7590% | 2,625 |
| Noninterest expense to average assets | 2.8360% | 4,811 |
| Loan and lease loss provision to assets | 0.2784% | 5,190 |
| Net operating income to assets | 1.1540% | 1,375 |
| Return on assets (ROA) | 1.1663% | 1,376 |
| Pretax return on assets | 1.1663% | 2,043 |
| Return on Equity (ROE) | 11.9514% | 1,175 |
| Retained earnings to average equity (ytd only) | 1.1171% | 4,264 |
| Net charge-offs to loans | 0.3276% | 4,599 |
| Credit loss provision to net charge-offs | 120.5584% | 4,438 |
| Earnings coverage of net charge-offs (x) | 6.2030% | 2,416 |
| Efficiency ratio | 66.4424% | 5,301 |
| Assets per employee ($millions) | 4.1344% | 3,551 |
| Cash dividends to net income (ytd only)* | 90.6533% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,044 |
| Loan loss allowance to noncurrent loans | 756.6372% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 6,703 |
| Noncurrent loans to loans | 0.1899% | 6,950 |
| Net loans and leases to total assets | 67.5572% | 3,805 |
| Net loans and leases to deposits | 78.2577% | 4,322 |
| Net loans and leases to core deposits | 91.1598% | 4,995 |
| Total domestic deposits to total assets | 86.3266% | 2,855 |
| Equity capital to assets | 9.9186% | 3,876 |
| Core capital (leverage) ratio | 9.5207% | 3,689 |
| Tier 1 risk-based capital ratio | 12.7114% | 4,354 |
| Total risk-based capital ratio | 13.9626% | 4,290 |
| Memoranda: | ||
| Average total assets | $170,629,200 | 3,602 |
| Average earning assets | $154,912,800 | 3,614 |
| Average equity | $16,650,800 | 3,746 |
| Average total loans | $120,283,200 | 3,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 5,412 |
| Cost of funding earning assets | 1.4958% | 5,839 |
| Net interest margin | 3.8067% | 3,628 |
| Noninterest income to average assets | 0.7825% | 2,530 |
| Noninterest expense to average assets | 2.8342% | 4,745 |
| Loan and lease loss provision to assets | 0.2943% | 4,618 |
| Net operating income to assets | 1.1216% | 1,667 |
| Return on assets (ROA) | 1.1373% | 1,687 |
| Pretax return on assets | 1.1373% | 2,455 |
| Return on Equity (ROE) | 11.7033% | 1,439 |
| Retained earnings to average equity (ytd only) | -1.3004% | 5,558 |
| Net charge-offs to loans | 0.2675% | 4,369 |
| Credit loss provision to net charge-offs | 154.9587% | 3,088 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,403 |
| Efficiency ratio | 66.6851% | 5,249 |
| Assets per employee ($millions) | 4.0569% | 3,624 |
| Cash dividends to net income (ytd only)* | 111.1111% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,554 |
| Loan loss allowance to noncurrent loans | 156.1170% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,425 |
| Noncurrent loans to loans | 0.9475% | 5,402 |
| Net loans and leases to total assets | 68.8384% | 3,758 |
| Net loans and leases to deposits | 80.8990% | 4,219 |
| Net loans and leases to core deposits | 94.1447% | 4,999 |
| Total domestic deposits to total assets | 85.0918% | 3,180 |
| Equity capital to assets | 9.9555% | 4,144 |
| Core capital (leverage) ratio | 9.4205% | 4,020 |
| Tier 1 risk-based capital ratio | 12.5477% | 4,501 |
| Total risk-based capital ratio | 13.7994% | 4,453 |
| Memoranda: | ||
| Average total assets | $169,875,500 | 3,627 |
| Average earning assets | $154,739,000 | 3,640 |
| Average equity | $16,507,750 | 3,807 |
| Average total loans | $120,599,250 | 3,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 5,706 |
| Cost of funding earning assets | 1.5775% | 5,816 |
| Net interest margin | 3.7100% | 3,910 |
| Noninterest income to average assets | 0.7825% | 2,500 |
| Noninterest expense to average assets | 2.9616% | 4,246 |
| Loan and lease loss provision to assets | 0.4125% | 3,469 |
| Net operating income to assets | 0.7955% | 2,872 |
| Return on assets (ROA) | 0.8179% | 2,881 |
| Pretax return on assets | 0.8179% | 3,612 |
| Return on Equity (ROE) | 8.4862% | 2,578 |
| Retained earnings to average equity (ytd only) | -9.2199% | 6,790 |
| Net charge-offs to loans | 0.3319% | 3,524 |
| Credit loss provision to net charge-offs | 174.1294% | 2,639 |
| Earnings coverage of net charge-offs (x) | 5.0995% | 2,917 |
| Efficiency ratio | 71.0288% | 4,587 |
| Assets per employee ($millions) | 4.1503% | 3,395 |
| Cash dividends to net income (ytd only)* | 208.6455% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,707 |
| Loan loss allowance to noncurrent loans | 262.4815% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 6,012 |
| Noncurrent loans to loans | 0.5342% | 6,202 |
| Net loans and leases to total assets | 73.4305% | 2,856 |
| Net loans and leases to deposits | 85.9123% | 3,569 |
| Net loans and leases to core deposits | 100.3316% | 4,472 |
| Total domestic deposits to total assets | 85.4714% | 3,028 |
| Equity capital to assets | 9.4757% | 4,644 |
| Core capital (leverage) ratio | 8.9534% | 4,712 |
| Tier 1 risk-based capital ratio | 11.4682% | 5,420 |
| Total risk-based capital ratio | 12.7189% | 5,338 |
| Memoranda: | ||
| Average total assets | $169,704,330 | 3,647 |
| Average earning assets | $154,932,330 | 3,650 |
| Average equity | $16,356,000 | 3,843 |
| Average total loans | $121,114,330 | 3,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 6,168 |
| Cost of funding earning assets | 1.5908% | 6,072 |
| Net interest margin | 3.6482% | 4,109 |
| Noninterest income to average assets | 0.8450% | 2,102 |
| Noninterest expense to average assets | 2.9054% | 4,143 |
| Loan and lease loss provision to assets | 0.4720% | 2,585 |
| Net operating income to assets | 0.8072% | 3,100 |
| Return on assets (ROA) | 0.8096% | 3,250 |
| Pretax return on assets | 0.8096% | 4,044 |
| Return on Equity (ROE) | 8.3293% | 2,993 |
| Retained earnings to average equity (ytd only) | -22.1467% | 7,703 |
| Net charge-offs to loans | 0.0406% | 4,922 |
| Credit loss provision to net charge-offs | 1,666.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 45.1667% | 775 |
| Efficiency ratio | 69.4303% | 4,693 |
| Assets per employee ($millions) | 4.0411% | 3,574 |
| Cash dividends to net income (ytd only)* | 365.8892% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 2,799 |
| Loan loss allowance to noncurrent loans | 163.3094% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,526 |
| Noncurrent loans to loans | 0.9388% | 5,117 |
| Net loans and leases to total assets | 68.7170% | 3,967 |
| Net loans and leases to deposits | 79.9375% | 4,626 |
| Net loans and leases to core deposits | 93.9543% | 5,153 |
| Total domestic deposits to total assets | 85.9634% | 2,746 |
| Equity capital to assets | 9.4569% | 4,734 |
| Core capital (leverage) ratio | 9.0039% | 4,706 |
| Tier 1 risk-based capital ratio | 12.1698% | 4,811 |
| Total risk-based capital ratio | 13.4222% | 4,704 |
| Memoranda: | ||
| Average total assets | $169,476,000 | 3,660 |
| Average earning assets | $155,146,000 | 3,663 |
| Average equity | $16,472,000 | 3,847 |
| Average total loans | $118,308,000 | 3,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 5,506 |
| Cost of funding earning assets | 2.2836% | 5,232 |
| Net interest margin | 3.7253% | 4,357 |
| Noninterest income to average assets | 0.8500% | 2,228 |
| Noninterest expense to average assets | 2.8010% | 4,810 |
| Loan and lease loss provision to assets | 0.3444% | 3,640 |
| Net operating income to assets | 1.1010% | 2,145 |
| Return on assets (ROA) | 1.1034% | 2,045 |
| Pretax return on assets | 1.1076% | 3,003 |
| Return on Equity (ROE) | 11.3891% | 1,794 |
| Retained earnings to average equity (ytd only) | 2.2939% | 3,780 |
| Net charge-offs to loans | 0.0977% | 5,348 |
| Credit loss provision to net charge-offs | 537.3832% | 816 |
| Earnings coverage of net charge-offs (x) | 22.6168% | 1,463 |
| Efficiency ratio | 65.8963% | 5,144 |
| Assets per employee ($millions) | 3.9354% | 3,642 |
| Cash dividends to net income (ytd only)* | 79.8588% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 3,320 |
| Loan loss allowance to noncurrent loans | 241.1852% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 6,028 |
| Noncurrent loans to loans | 0.5712% | 5,656 |
| Net loans and leases to total assets | 68.8673% | 4,286 |
| Net loans and leases to deposits | 80.1772% | 5,015 |
| Net loans and leases to core deposits | 90.4049% | 5,768 |
| Total domestic deposits to total assets | 85.8938% | 2,453 |
| Equity capital to assets | 9.9826% | 4,058 |
| Core capital (leverage) ratio | 9.6812% | 3,788 |
| Tier 1 risk-based capital ratio | 12.8962% | 4,164 |
| Total risk-based capital ratio | 14.1466% | 4,093 |
| Memoranda: | ||
| Average total assets | $166,943,000 | 3,597 |
| Average earning assets | $152,390,000 | 3,607 |
| Average equity | $16,173,400 | 3,892 |
| Average total loans | $109,500,400 | 3,687 |