Home > First National Bank of Michigan > Performance and Condition Ratios
First National Bank of Michigan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 2,880 |
| Cost of funding earning assets | 2.0126% | 901 |
| Net interest margin | 2.5933% | 3,973 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.0661% | 3,484 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.3886% | 3,895 |
| Return on assets (ROA) | 0.3880% | 3,886 |
| Pretax return on assets | 0.4632% | 3,873 |
| Return on Equity (ROE) | 5.7000% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.7042% | 2,353 |
| Net charge-offs to loans | -0.0003% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.5097% | 946 |
| Assets per employee ($millions) | 11.6745% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,151 |
| Loan loss allowance to noncurrent loans | 3,871.8519% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,496 |
| Noncurrent loans to loans | 0.0379% | 3,455 |
| Net loans and leases to total assets | 71.6300% | 1,627 |
| Net loans and leases to deposits | 90.2510% | 1,241 |
| Net loans and leases to core deposits | 128.5333% | 425 |
| Total domestic deposits to total assets | 79.3600% | 3,555 |
| Equity capital to assets | 7.2209% | 3,854 |
| Core capital (leverage) ratio | 8.6258% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3535% | 2,753 |
| Memoranda: | ||
| Average total assets | $963,851,800 | 1,017 |
| Average earning assets | $916,567,800 | 981 |
| Average equity | $65,565,200 | 1,311 |
| Average total loans | $672,272,200 | 998 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,847 |
| Cost of funding earning assets | 1.8639% | 909 |
| Net interest margin | 2.6642% | 3,930 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.0465% | 3,480 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.3663% | 4,017 |
| Return on assets (ROA) | 0.3655% | 4,022 |
| Pretax return on assets | 0.4458% | 3,998 |
| Return on Equity (ROE) | 5.4600% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.4595% | 2,790 |
| Net charge-offs to loans | -0.0002% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8468% | 1,105 |
| Assets per employee ($millions) | 11.4383% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 952 |
| Loan loss allowance to noncurrent loans | 3,770.6294% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,514 |
| Noncurrent loans to loans | 0.0415% | 3,467 |
| Net loans and leases to total assets | 69.8000% | 1,852 |
| Net loans and leases to deposits | 85.1369% | 1,643 |
| Net loans and leases to core deposits | 119.5837% | 558 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 6.7144% | 3,747 |
| Core capital (leverage) ratio | 8.3353% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4330% | 2,741 |
| Memoranda: | ||
| Average total assets | $959,650,000 | 1,022 |
| Average earning assets | $912,381,250 | 988 |
| Average equity | $64,253,500 | 1,315 |
| Average total loans | $662,126,500 | 1,008 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,964 |
| Cost of funding earning assets | 1.6535% | 961 |
| Net interest margin | 2.7142% | 3,953 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.0782% | 3,403 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.3589% | 4,077 |
| Return on assets (ROA) | 0.3577% | 4,097 |
| Pretax return on assets | 0.4362% | 4,065 |
| Return on Equity (ROE) | 5.3500% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.3481% | 2,839 |
| Net charge-offs to loans | -0.0003% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6759% | 1,111 |
| Assets per employee ($millions) | 11.5279% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,082 |
| Loan loss allowance to noncurrent loans | 3,182.9721% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,452 |
| Noncurrent loans to loans | 0.0481% | 3,372 |
| Net loans and leases to total assets | 67.4400% | 2,017 |
| Net loans and leases to deposits | 86.3693% | 1,471 |
| Net loans and leases to core deposits | 113.7436% | 691 |
| Total domestic deposits to total assets | 78.0800% | 3,840 |
| Equity capital to assets | 6.6396% | 3,929 |
| Core capital (leverage) ratio | 8.3966% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3723% | 2,788 |
| Memoranda: | ||
| Average total assets | $955,448,000 | 1,017 |
| Average earning assets | $908,256,333 | 986 |
| Average equity | $63,911,000 | 1,322 |
| Average total loans | $653,045,000 | 1,005 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,858 |
| Cost of funding earning assets | 1.3714% | 1,090 |
| Net interest margin | 2.9048% | 3,784 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0953% | 3,394 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.4469% | 4,008 |
| Return on assets (ROA) | 0.4444% | 3,964 |
| Pretax return on assets | 0.5373% | 3,937 |
| Return on Equity (ROE) | 6.6200% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.6186% | 2,614 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5870% | 1,484 |
| Assets per employee ($millions) | 10.8001% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,144 |
| Loan loss allowance to noncurrent loans | 2,780.3279% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,402 |
| Noncurrent loans to loans | 0.0555% | 3,342 |
| Net loans and leases to total assets | 68.3700% | 1,795 |
| Net loans and leases to deposits | 85.2653% | 1,408 |
| Net loans and leases to core deposits | 99.6479% | 1,103 |
| Total domestic deposits to total assets | 80.1900% | 3,735 |
| Equity capital to assets | 6.8457% | 3,888 |
| Core capital (leverage) ratio | 8.4388% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6189% | 2,825 |
| Memoranda: | ||
| Average total assets | $943,236,500 | 1,046 |
| Average earning assets | $896,040,000 | 1,014 |
| Average equity | $63,336,500 | 1,341 |
| Average total loans | $644,032,500 | 1,022 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 2,820 |
| Cost of funding earning assets | 0.4272% | 1,885 |
| Net interest margin | 3.1678% | 2,964 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0673% | 3,392 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.7146% | 3,573 |
| Return on assets (ROA) | 0.7111% | 3,531 |
| Pretax return on assets | 0.8593% | 3,459 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 10.3849% | 1,043 |
| Net charge-offs to loans | -0.0002% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4862% | 2,297 |
| Assets per employee ($millions) | 10.8844% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 426 |
| Loan loss allowance to noncurrent loans | 5,165.1639% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,566 |
| Noncurrent loans to loans | 0.0389% | 3,493 |
| Net loans and leases to total assets | 65.7500% | 2,064 |
| Net loans and leases to deposits | 78.2691% | 1,914 |
| Net loans and leases to core deposits | 90.3807% | 1,483 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 6.5819% | 3,868 |
| Core capital (leverage) ratio | 8.4303% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5554% | 2,850 |
| Memoranda: | ||
| Average total assets | $919,578,000 | 1,051 |
| Average earning assets | $876,489,000 | 1,019 |
| Average equity | $62,966,400 | 1,347 |
| Average total loans | $586,666,200 | 1,049 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 2,858 |
| Cost of funding earning assets | 0.3244% | 1,923 |
| Net interest margin | 3.0963% | 2,943 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.0308% | 3,400 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.7084% | 3,544 |
| Return on assets (ROA) | 0.7084% | 3,498 |
| Pretax return on assets | 0.8535% | 3,464 |
| Return on Equity (ROE) | 10.2400% | 2,652 |
| Retained earnings to average equity (ytd only) | 10.2443% | 1,276 |
| Net charge-offs to loans | -0.0002% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5880% | 2,335 |
| Assets per employee ($millions) | 11.0737% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0027% | 504 |
| Loan loss allowance to noncurrent loans | 4,910.2459% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,672 |
| Noncurrent loans to loans | 0.0408% | 3,596 |
| Net loans and leases to total assets | 62.2900% | 2,254 |
| Net loans and leases to deposits | 69.4120% | 2,421 |
| Net loans and leases to core deposits | 76.5821% | 2,156 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 6.2929% | 3,849 |
| Core capital (leverage) ratio | 8.1498% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6052% | 2,918 |
| Memoranda: | ||
| Average total assets | $915,457,000 | 1,069 |
| Average earning assets | $873,364,250 | 1,034 |
| Average equity | $63,305,250 | 1,363 |
| Average total loans | $576,321,000 | 1,063 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 2,750 |
| Cost of funding earning assets | 0.3014% | 1,699 |
| Net interest margin | 2.9954% | 2,896 |
| Noninterest income to average assets | 0.1464% | 4,287 |
| Noninterest expense to average assets | 1.9445% | 3,588 |
| Loan and lease loss provision to assets | 0.2029% | 407 |
| Net operating income to assets | 0.7135% | 3,263 |
| Return on assets (ROA) | 0.7135% | 3,217 |
| Pretax return on assets | 0.8597% | 3,173 |
| Return on Equity (ROE) | 10.0058% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.0058% | 1,020 |
| Net charge-offs to loans | -0.0004% | 2,973 |
| Credit loss provision to net charge-offs | -92,000.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6645% | 2,685 |
| Assets per employee ($millions) | 10.5114% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 582 |
| Loan loss allowance to noncurrent loans | 4,488.2353% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,706 |
| Noncurrent loans to loans | 0.0440% | 3,614 |
| Net loans and leases to total assets | 62.1019% | 2,118 |
| Net loans and leases to deposits | 69.4927% | 2,261 |
| Net loans and leases to core deposits | 77.1431% | 1,910 |
| Total domestic deposits to total assets | 89.3646% | 2,017 |
| Equity capital to assets | 6.5681% | 3,990 |
| Core capital (leverage) ratio | 8.1109% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4753% | 2,932 |
| Memoranda: | ||
| Average total assets | $906,855,333 | 1,072 |
| Average earning assets | $866,048,333 | 1,046 |
| Average equity | $64,662,667 | 1,365 |
| Average total loans | $569,011,667 | 1,062 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 2,702 |
| Cost of funding earning assets | 0.3309% | 1,370 |
| Net interest margin | 2.8651% | 2,937 |
| Noninterest income to average assets | 0.1537% | 4,232 |
| Noninterest expense to average assets | 1.9295% | 3,615 |
| Loan and lease loss provision to assets | 0.2073% | 348 |
| Net operating income to assets | 0.6374% | 3,266 |
| Return on assets (ROA) | 0.6374% | 3,249 |
| Pretax return on assets | 0.7588% | 3,232 |
| Return on Equity (ROE) | 8.5960% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.5960% | 1,398 |
| Net charge-offs to loans | -0.0007% | 2,989 |
| Credit loss provision to net charge-offs | -46,800.0000% | 3,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6361% | 2,688 |
| Assets per employee ($millions) | 11.3465% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 673 |
| Loan loss allowance to noncurrent loans | 2,769.0176% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,604 |
| Noncurrent loans to loans | 0.0706% | 3,499 |
| Net loans and leases to total assets | 60.0297% | 2,062 |
| Net loans and leases to deposits | 69.6084% | 1,996 |
| Net loans and leases to core deposits | 75.7892% | 1,794 |
| Total domestic deposits to total assets | 86.2392% | 3,180 |
| Equity capital to assets | 6.9714% | 4,230 |
| Core capital (leverage) ratio | 7.8121% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6816% | 2,956 |
| Memoranda: | ||
| Average total assets | $903,036,000 | 1,078 |
| Average earning assets | $864,200,500 | 1,052 |
| Average equity | $66,961,500 | 1,372 |
| Average total loans | $563,836,000 | 1,064 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 2,119 |
| Cost of funding earning assets | 0.3886% | 1,621 |
| Net interest margin | 3.3091% | 2,295 |
| Noninterest income to average assets | 0.1587% | 4,353 |
| Noninterest expense to average assets | 2.0233% | 3,606 |
| Loan and lease loss provision to assets | 0.2282% | 439 |
| Net operating income to assets | 0.8951% | 3,061 |
| Return on assets (ROA) | 0.8897% | 3,140 |
| Pretax return on assets | 1.0752% | 3,048 |
| Return on Equity (ROE) | 10.9835% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.6121% | 780 |
| Net charge-offs to loans | -0.0010% | 3,286 |
| Credit loss provision to net charge-offs | -31,600.0000% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7033% | 3,045 |
| Assets per employee ($millions) | 10.9507% | 516 |
| Cash dividends to net income (ytd only)* | 3.3816% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 782 |
| Loan loss allowance to noncurrent loans | 3,041.6185% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,735 |
| Noncurrent loans to loans | 0.0612% | 3,645 |
| Net loans and leases to total assets | 62.5072% | 1,883 |
| Net loans and leases to deposits | 74.7969% | 1,669 |
| Net loans and leases to core deposits | 82.2076% | 1,448 |
| Total domestic deposits to total assets | 83.5693% | 3,673 |
| Equity capital to assets | 7.8749% | 4,431 |
| Core capital (leverage) ratio | 7.9671% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0481% | 2,876 |
| Memoranda: | ||
| Average total assets | $830,953,400 | 1,116 |
| Average earning assets | $797,141,200 | 1,092 |
| Average equity | $67,310,000 | 1,392 |
| Average total loans | $578,606,800 | 1,047 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 2,412 |
| Cost of funding earning assets | 0.3901% | 1,777 |
| Net interest margin | 3.2620% | 2,541 |
| Noninterest income to average assets | 0.1573% | 4,411 |
| Noninterest expense to average assets | 1.9686% | 3,767 |
| Loan and lease loss provision to assets | 0.2277% | 424 |
| Net operating income to assets | 0.8829% | 3,300 |
| Return on assets (ROA) | 0.8826% | 3,373 |
| Pretax return on assets | 1.0897% | 3,216 |
| Return on Equity (ROE) | 10.8144% | 2,433 |
| Retained earnings to average equity (ytd only) | 10.3145% | 1,226 |
| Net charge-offs to loans | -0.0011% | 3,135 |
| Credit loss provision to net charge-offs | -27,900.0000% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9027% | 2,988 |
| Assets per employee ($millions) | 11.0416% | 476 |
| Cash dividends to net income (ytd only)* | 4.6228% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6926% | 1,123 |
| Loan loss allowance to noncurrent loans | 47,723.8095% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,262 |
| Noncurrent loans to loans | 0.0035% | 4,193 |
| Net loans and leases to total assets | 66.7312% | 1,460 |
| Net loans and leases to deposits | 80.0247% | 1,291 |
| Net loans and leases to core deposits | 90.4702% | 1,008 |
| Total domestic deposits to total assets | 83.3882% | 3,612 |
| Equity capital to assets | 7.9571% | 4,541 |
| Core capital (leverage) ratio | 8.2690% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9572% | 2,976 |
| Memoranda: | ||
| Average total assets | $816,939,750 | 1,141 |
| Average earning assets | $783,636,000 | 1,120 |
| Average equity | $66,674,750 | 1,415 |
| Average total loans | $582,016,500 | 1,058 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 2,456 |
| Cost of funding earning assets | 0.4006% | 1,880 |
| Net interest margin | 3.2544% | 2,600 |
| Noninterest income to average assets | 0.1550% | 4,421 |
| Noninterest expense to average assets | 1.9918% | 3,721 |
| Loan and lease loss provision to assets | 0.2104% | 518 |
| Net operating income to assets | 0.8618% | 3,329 |
| Return on assets (ROA) | 0.8614% | 3,406 |
| Pretax return on assets | 1.0738% | 3,291 |
| Return on Equity (ROE) | 10.4587% | 2,597 |
| Retained earnings to average equity (ytd only) | 10.4587% | 1,262 |
| Net charge-offs to loans | -0.0010% | 3,092 |
| Credit loss provision to net charge-offs | -28,000.0000% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7905% | 2,897 |
| Assets per employee ($millions) | 10.0465% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,260 |
| Loan loss allowance to noncurrent loans | 37,860.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,309 |
| Noncurrent loans to loans | 0.0042% | 4,238 |
| Net loans and leases to total assets | 72.1892% | 944 |
| Net loans and leases to deposits | 87.7572% | 791 |
| Net loans and leases to core deposits | 99.5250% | 675 |
| Total domestic deposits to total assets | 82.2602% | 3,871 |
| Equity capital to assets | 8.3792% | 4,297 |
| Core capital (leverage) ratio | 8.3465% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2242% | 2,914 |
| Memoranda: | ||
| Average total assets | $798,490,333 | 1,160 |
| Average earning assets | $765,858,000 | 1,130 |
| Average equity | $65,763,333 | 1,420 |
| Average total loans | $578,652,000 | 1,068 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 2,279 |
| Cost of funding earning assets | 0.4419% | 1,784 |
| Net interest margin | 3.2903% | 2,422 |
| Noninterest income to average assets | 0.1483% | 4,459 |
| Noninterest expense to average assets | 1.9968% | 3,721 |
| Loan and lease loss provision to assets | 0.2714% | 362 |
| Net operating income to assets | 0.8333% | 3,320 |
| Return on assets (ROA) | 0.8333% | 3,400 |
| Pretax return on assets | 1.0419% | 3,254 |
| Return on Equity (ROE) | 10.2074% | 2,619 |
| Retained earnings to average equity (ytd only) | 10.2074% | 1,599 |
| Net charge-offs to loans | -0.0014% | 3,073 |
| Credit loss provision to net charge-offs | -27,000.0000% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3249% | 2,992 |
| Assets per employee ($millions) | 10.1724% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,522 |
| Loan loss allowance to noncurrent loans | 10,655.8140% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,311 |
| Noncurrent loans to loans | 0.0143% | 4,235 |
| Net loans and leases to total assets | 71.8270% | 1,048 |
| Net loans and leases to deposits | 86.4987% | 923 |
| Net loans and leases to core deposits | 100.7413% | 686 |
| Total domestic deposits to total assets | 83.0383% | 3,676 |
| Equity capital to assets | 7.9350% | 4,527 |
| Core capital (leverage) ratio | 7.8896% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0946% | 2,912 |
| Memoranda: | ||
| Average total assets | $795,877,500 | 1,150 |
| Average earning assets | $764,800,500 | 1,119 |
| Average equity | $64,972,500 | 1,427 |
| Average total loans | $573,147,500 | 1,079 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 2,999 |
| Cost of funding earning assets | 0.6338% | 2,099 |
| Net interest margin | 3.2762% | 3,138 |
| Noninterest income to average assets | 0.1705% | 4,433 |
| Noninterest expense to average assets | 2.0207% | 4,100 |
| Loan and lease loss provision to assets | 0.2728% | 1,408 |
| Net operating income to assets | 0.7608% | 3,238 |
| Return on assets (ROA) | 0.7608% | 3,362 |
| Pretax return on assets | 1.0178% | 2,984 |
| Return on Equity (ROE) | 8.9950% | 2,395 |
| Retained earnings to average equity (ytd only) | 8.9950% | 772 |
| Net charge-offs to loans | -0.0369% | 4,602 |
| Credit loss provision to net charge-offs | -979.5000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0237% | 3,308 |
| Assets per employee ($millions) | 9.5974% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,350 |
| Loan loss allowance to noncurrent loans | 8,709.0909% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,348 |
| Noncurrent loans to loans | 0.0182% | 4,274 |
| Net loans and leases to total assets | 69.8993% | 1,575 |
| Net loans and leases to deposits | 85.4429% | 1,299 |
| Net loans and leases to core deposits | 101.9209% | 817 |
| Total domestic deposits to total assets | 81.8082% | 3,706 |
| Equity capital to assets | 8.4090% | 4,510 |
| Core capital (leverage) ratio | 8.0835% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9544% | 2,642 |
| Memoranda: | ||
| Average total assets | $718,027,000 | 1,152 |
| Average earning assets | $688,358,000 | 1,121 |
| Average equity | $60,733,600 | 1,430 |
| Average total loans | $542,296,400 | 1,069 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 3,992 |
| Cost of funding earning assets | 0.6749% | 2,171 |
| Net interest margin | 2.9326% | 4,120 |
| Noninterest income to average assets | 0.1706% | 4,446 |
| Noninterest expense to average assets | 1.9941% | 4,159 |
| Loan and lease loss provision to assets | 0.3437% | 1,112 |
| Net operating income to assets | 0.5047% | 4,015 |
| Return on assets (ROA) | 0.5047% | 4,110 |
| Pretax return on assets | 0.6434% | 4,022 |
| Return on Equity (ROE) | 5.9576% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.9576% | 2,124 |
| Net charge-offs to loans | -0.0490% | 4,666 |
| Credit loss provision to net charge-offs | -914.0704% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8885% | 2,332 |
| Assets per employee ($millions) | 10.5393% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,693 |
| Loan loss allowance to noncurrent loans | 5,972.5352% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,391 |
| Noncurrent loans to loans | 0.0236% | 4,315 |
| Net loans and leases to total assets | 73.9500% | 1,373 |
| Net loans and leases to deposits | 89.8307% | 1,283 |
| Net loans and leases to core deposits | 106.8355% | 811 |
| Total domestic deposits to total assets | 82.3215% | 3,336 |
| Equity capital to assets | 7.6945% | 4,806 |
| Core capital (leverage) ratio | 7.9271% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5105% | 2,788 |
| Memoranda: | ||
| Average total assets | $705,586,500 | 1,153 |
| Average earning assets | $676,243,250 | 1,117 |
| Average equity | $59,776,250 | 1,438 |
| Average total loans | $541,545,250 | 1,063 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,794 |
| Cost of funding earning assets | 0.7368% | 2,190 |
| Net interest margin | 3.0890% | 3,924 |
| Noninterest income to average assets | 0.1760% | 4,411 |
| Noninterest expense to average assets | 2.0826% | 4,071 |
| Loan and lease loss provision to assets | 0.3906% | 1,049 |
| Net operating income to assets | 0.5370% | 3,913 |
| Return on assets (ROA) | 0.5370% | 3,993 |
| Pretax return on assets | 0.6596% | 3,954 |
| Return on Equity (ROE) | 6.1159% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,021 |
| Net charge-offs to loans | -0.0755% | 4,787 |
| Credit loss provision to net charge-offs | -668.0203% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4772% | 2,444 |
| Assets per employee ($millions) | 9.7136% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,759 |
| Loan loss allowance to noncurrent loans | 5,048.1013% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,450 |
| Noncurrent loans to loans | 0.0268% | 4,377 |
| Net loans and leases to total assets | 76.7317% | 1,034 |
| Net loans and leases to deposits | 94.1040% | 955 |
| Net loans and leases to core deposits | 109.5542% | 754 |
| Total domestic deposits to total assets | 81.5392% | 3,487 |
| Equity capital to assets | 7.9971% | 4,719 |
| Core capital (leverage) ratio | 8.1591% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2716% | 2,895 |
| Memoranda: | ||
| Average total assets | $673,785,667 | 1,182 |
| Average earning assets | $644,926,000 | 1,149 |
| Average equity | $59,157,667 | 1,438 |
| Average total loans | $521,789,667 | 1,078 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,906 |
| Cost of funding earning assets | 0.8385% | 2,180 |
| Net interest margin | 3.4659% | 3,096 |
| Noninterest income to average assets | 0.1798% | 4,467 |
| Noninterest expense to average assets | 2.1974% | 4,010 |
| Loan and lease loss provision to assets | 0.4963% | 593 |
| Net operating income to assets | 0.6489% | 3,451 |
| Return on assets (ROA) | 0.6489% | 3,511 |
| Pretax return on assets | 0.7964% | 3,424 |
| Return on Equity (ROE) | 7.0156% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.0156% | 1,528 |
| Net charge-offs to loans | -0.1607% | 4,912 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9603% | 3,376 |
| Assets per employee ($millions) | 8.6920% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,231 |
| Loan loss allowance to noncurrent loans | 4,622.9814% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,497 |
| Noncurrent loans to loans | 0.0332% | 4,427 |
| Net loans and leases to total assets | 75.2046% | 1,426 |
| Net loans and leases to deposits | 95.2568% | 980 |
| Net loans and leases to core deposits | 107.6992% | 958 |
| Total domestic deposits to total assets | 78.9494% | 4,061 |
| Equity capital to assets | 9.2512% | 4,430 |
| Core capital (leverage) ratio | 9.6760% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0828% | 3,073 |
| Memoranda: | ||
| Average total assets | $631,848,000 | 1,213 |
| Average earning assets | $603,481,000 | 1,177 |
| Average equity | $58,441,000 | 1,448 |
| Average total loans | $488,013,500 | 1,114 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 2,475 |
| Cost of funding earning assets | 0.9775% | 1,823 |
| Net interest margin | 3.6700% | 2,906 |
| Noninterest income to average assets | 0.1828% | 4,574 |
| Noninterest expense to average assets | 2.3264% | 3,883 |
| Loan and lease loss provision to assets | 0.1183% | 1,786 |
| Net operating income to assets | 1.0288% | 2,737 |
| Return on assets (ROA) | 1.0329% | 2,815 |
| Pretax return on assets | 1.2675% | 2,619 |
| Return on Equity (ROE) | 11.0414% | 1,869 |
| Retained earnings to average equity (ytd only) | 11.0414% | 329 |
| Net charge-offs to loans | 0.1670% | 1,210 |
| Credit loss provision to net charge-offs | 87.4842% | 2,685 |
| Earnings coverage of net charge-offs (x) | 10.2099% | 2,592 |
| Efficiency ratio | 62.7559% | 3,254 |
| Assets per employee ($millions) | 8.1712% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,854 |
| Loan loss allowance to noncurrent loans | 3,779.5322% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,515 |
| Noncurrent loans to loans | 0.0348% | 4,423 |
| Net loans and leases to total assets | 77.0742% | 1,249 |
| Net loans and leases to deposits | 96.8969% | 853 |
| Net loans and leases to core deposits | 116.1100% | 591 |
| Total domestic deposits to total assets | 79.5425% | 4,064 |
| Equity capital to assets | 9.2472% | 4,532 |
| Core capital (leverage) ratio | 10.0154% | 3,499 |
| Tier 1 risk-based capital ratio | 10.5053% | 5,022 |
| Total risk-based capital ratio | 11.6771% | 4,972 |
| Memoranda: | ||
| Average total assets | $584,931,600 | 1,243 |
| Average earning assets | $561,713,800 | 1,213 |
| Average equity | $54,721,400 | 1,477 |
| Average total loans | $473,748,600 | 1,125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 2,329 |
| Cost of funding earning assets | 1.0078% | 1,727 |
| Net interest margin | 3.7206% | 2,851 |
| Noninterest income to average assets | 0.1831% | 4,627 |
| Noninterest expense to average assets | 2.3931% | 3,707 |
| Loan and lease loss provision to assets | 0.1289% | 1,503 |
| Net operating income to assets | 1.0108% | 2,944 |
| Return on assets (ROA) | 1.0165% | 2,996 |
| Pretax return on assets | 1.2432% | 2,836 |
| Return on Equity (ROE) | 10.8310% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.8310% | 560 |
| Net charge-offs to loans | 0.1974% | 881 |
| Credit loss provision to net charge-offs | 79.8561% | 2,509 |
| Earnings coverage of net charge-offs (x) | 8.4547% | 2,652 |
| Efficiency ratio | 63.6746% | 3,070 |
| Assets per employee ($millions) | 7.6181% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 1,887 |
| Loan loss allowance to noncurrent loans | 1,745.1087% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 3,389 |
| Noncurrent loans to loans | 0.0756% | 4,301 |
| Net loans and leases to total assets | 80.8496% | 725 |
| Net loans and leases to deposits | 100.7216% | 585 |
| Net loans and leases to core deposits | 114.7575% | 721 |
| Total domestic deposits to total assets | 80.2704% | 3,933 |
| Equity capital to assets | 9.5048% | 4,447 |
| Core capital (leverage) ratio | 10.2854% | 3,319 |
| Tier 1 risk-based capital ratio | 10.5000% | 5,077 |
| Total risk-based capital ratio | 11.6976% | 5,017 |
| Memoranda: | ||
| Average total assets | $573,869,000 | 1,272 |
| Average earning assets | $551,442,250 | 1,233 |
| Average equity | $53,856,250 | 1,496 |
| Average total loans | $469,335,750 | 1,135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 2,358 |
| Cost of funding earning assets | 1.0296% | 1,570 |
| Net interest margin | 3.6709% | 3,028 |
| Noninterest income to average assets | 0.1813% | 4,661 |
| Noninterest expense to average assets | 2.3647% | 3,833 |
| Loan and lease loss provision to assets | 0.1358% | 1,370 |
| Net operating income to assets | 0.9946% | 2,943 |
| Return on assets (ROA) | 0.9946% | 3,007 |
| Pretax return on assets | 1.2129% | 2,868 |
| Return on Equity (ROE) | 10.6451% | 2,117 |
| Retained earnings to average equity (ytd only) | 10.6451% | 614 |
| Net charge-offs to loans | 0.2999% | 568 |
| Credit loss provision to net charge-offs | 55.3957% | 2,433 |
| Earnings coverage of net charge-offs (x) | 5.5022% | 2,652 |
| Efficiency ratio | 63.6813% | 3,184 |
| Assets per employee ($millions) | 7.7527% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,981 |
| Loan loss allowance to noncurrent loans | 1,430.6636% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,282 |
| Noncurrent loans to loans | 0.0914% | 4,273 |
| Net loans and leases to total assets | 82.2085% | 571 |
| Net loans and leases to deposits | 100.6071% | 633 |
| Net loans and leases to core deposits | 117.8812% | 609 |
| Total domestic deposits to total assets | 81.7125% | 3,605 |
| Equity capital to assets | 9.5569% | 4,349 |
| Core capital (leverage) ratio | 9.8794% | 3,733 |
| Tier 1 risk-based capital ratio | 10.4212% | 5,130 |
| Total risk-based capital ratio | 11.6128% | 5,071 |
| Memoranda: | ||
| Average total assets | $567,089,330 | 1,283 |
| Average earning assets | $545,647,000 | 1,245 |
| Average equity | $52,982,330 | 1,512 |
| Average total loans | $463,502,000 | 1,143 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 2,418 |
| Cost of funding earning assets | 0.9970% | 1,575 |
| Net interest margin | 3.6420% | 3,104 |
| Noninterest income to average assets | 0.1809% | 4,667 |
| Noninterest expense to average assets | 2.3399% | 3,925 |
| Loan and lease loss provision to assets | 0.1391% | 1,239 |
| Net operating income to assets | 0.9912% | 2,879 |
| Return on assets (ROA) | 0.9912% | 2,915 |
| Pretax return on assets | 1.2061% | 2,782 |
| Return on Equity (ROE) | 10.7339% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.7339% | 869 |
| Net charge-offs to loans | 0.6092% | 244 |
| Credit loss provision to net charge-offs | 28.2014% | 2,097 |
| Earnings coverage of net charge-offs (x) | 2.7281% | 2,468 |
| Efficiency ratio | 63.4963% | 3,319 |
| Assets per employee ($millions) | 7.7172% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,047 |
| Loan loss allowance to noncurrent loans | 1,344.3459% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,324 |
| Noncurrent loans to loans | 0.0974% | 4,308 |
| Net loans and leases to total assets | 82.2632% | 564 |
| Net loans and leases to deposits | 100.9327% | 560 |
| Net loans and leases to core deposits | 118.5667% | 565 |
| Total domestic deposits to total assets | 81.5030% | 3,853 |
| Equity capital to assets | 9.5325% | 4,228 |
| Core capital (leverage) ratio | 9.8138% | 3,804 |
| Tier 1 risk-based capital ratio | 10.4749% | 5,184 |
| Total risk-based capital ratio | 11.6691% | 5,113 |
| Memoranda: | ||
| Average total assets | $563,783,000 | 1,293 |
| Average earning assets | $542,453,500 | 1,251 |
| Average equity | $52,059,500 | 1,526 |
| Average total loans | $456,311,000 | 1,159 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 2,616 |
| Cost of funding earning assets | 0.6836% | 2,186 |
| Net interest margin | 3.7628% | 2,810 |
| Noninterest income to average assets | 0.1985% | 4,714 |
| Noninterest expense to average assets | 2.3698% | 3,959 |
| Loan and lease loss provision to assets | 0.1920% | 994 |
| Net operating income to assets | 1.0386% | 2,852 |
| Return on assets (ROA) | 1.0419% | 2,825 |
| Pretax return on assets | 1.2687% | 2,624 |
| Return on Equity (ROE) | 11.2719% | 1,982 |
| Retained earnings to average equity (ytd only) | 11.2719% | 396 |
| Net charge-offs to loans | 0.0050% | 3,539 |
| Credit loss provision to net charge-offs | 4,785.7143% | 107 |
| Earnings coverage of net charge-offs (x) | 363.0952% | 284 |
| Efficiency ratio | 61.9321% | 3,540 |
| Assets per employee ($millions) | 7.7288% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,418 |
| Loan loss allowance to noncurrent loans | 160.2442% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 1,936 |
| Noncurrent loans to loans | 0.9111% | 1,762 |
| Net loans and leases to total assets | 77.4419% | 1,362 |
| Net loans and leases to deposits | 92.2094% | 1,520 |
| Net loans and leases to core deposits | 100.2406% | 1,701 |
| Total domestic deposits to total assets | 83.9848% | 3,001 |
| Equity capital to assets | 8.9439% | 4,621 |
| Core capital (leverage) ratio | 9.3738% | 4,270 |
| Tier 1 risk-based capital ratio | 10.4677% | 5,193 |
| Total risk-based capital ratio | 11.7188% | 5,092 |
| Memoranda: | ||
| Average total assets | $523,465,400 | 1,343 |
| Average earning assets | $504,703,200 | 1,303 |
| Average equity | $48,385,600 | 1,560 |
| Average total loans | $418,981,600 | 1,211 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,660 |
| Cost of funding earning assets | 0.5842% | 2,591 |
| Net interest margin | 3.8066% | 2,620 |
| Noninterest income to average assets | 0.2031% | 4,751 |
| Noninterest expense to average assets | 2.3524% | 3,971 |
| Loan and lease loss provision to assets | 0.2289% | 709 |
| Net operating income to assets | 1.0409% | 2,915 |
| Return on assets (ROA) | 1.0453% | 2,902 |
| Pretax return on assets | 1.2969% | 2,640 |
| Return on Equity (ROE) | 11.2073% | 2,087 |
| Retained earnings to average equity (ytd only) | 11.2073% | 604 |
| Net charge-offs to loans | -0.0026% | 4,120 |
| Credit loss provision to net charge-offs | -10,975.0000% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7419% | 3,698 |
| Assets per employee ($millions) | 7.4926% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,466 |
| Loan loss allowance to noncurrent loans | 170.6441% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,121 |
| Noncurrent loans to loans | 0.8596% | 1,983 |
| Net loans and leases to total assets | 79.3876% | 1,111 |
| Net loans and leases to deposits | 93.1011% | 1,495 |
| Net loans and leases to core deposits | 107.0921% | 1,225 |
| Total domestic deposits to total assets | 85.2703% | 2,500 |
| Equity capital to assets | 9.0694% | 4,484 |
| Core capital (leverage) ratio | 9.4931% | 4,183 |
| Tier 1 risk-based capital ratio | 10.4364% | 5,260 |
| Total risk-based capital ratio | 11.6875% | 5,179 |
| Memoranda: | ||
| Average total assets | $511,349,000 | 1,379 |
| Average earning assets | $492,958,500 | 1,333 |
| Average equity | $47,693,750 | 1,581 |
| Average total loans | $411,358,000 | 1,226 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,664 |
| Cost of funding earning assets | 0.5287% | 2,770 |
| Net interest margin | 3.8019% | 2,560 |
| Noninterest income to average assets | 0.2066% | 4,775 |
| Noninterest expense to average assets | 2.3909% | 3,923 |
| Loan and lease loss provision to assets | 0.1814% | 991 |
| Net operating income to assets | 1.0430% | 2,837 |
| Return on assets (ROA) | 1.0459% | 2,822 |
| Pretax return on assets | 1.3006% | 2,513 |
| Return on Equity (ROE) | 11.1016% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.1016% | 646 |
| Net charge-offs to loans | -0.0030% | 4,010 |
| Credit loss provision to net charge-offs | -7,550.0000% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7924% | 3,653 |
| Assets per employee ($millions) | 8.1948% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,580 |
| Loan loss allowance to noncurrent loans | 252.3829% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,924 |
| Noncurrent loans to loans | 0.5724% | 2,705 |
| Net loans and leases to total assets | 77.3139% | 1,420 |
| Net loans and leases to deposits | 92.7195% | 1,504 |
| Net loans and leases to core deposits | 110.3828% | 974 |
| Total domestic deposits to total assets | 83.3847% | 3,291 |
| Equity capital to assets | 9.0601% | 4,515 |
| Core capital (leverage) ratio | 10.4021% | 3,138 |
| Tier 1 risk-based capital ratio | 10.7054% | 5,190 |
| Total risk-based capital ratio | 11.9563% | 5,088 |
| Memoranda: | ||
| Average total assets | $499,478,000 | 1,418 |
| Average earning assets | $481,179,670 | 1,373 |
| Average equity | $47,056,330 | 1,601 |
| Average total loans | $401,582,670 | 1,253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,514 |
| Cost of funding earning assets | 0.4907% | 2,864 |
| Net interest margin | 3.8083% | 2,393 |
| Noninterest income to average assets | 0.2112% | 4,750 |
| Noninterest expense to average assets | 2.4644% | 3,760 |
| Loan and lease loss provision to assets | 0.1458% | 1,276 |
| Net operating income to assets | 1.0247% | 2,753 |
| Return on assets (ROA) | 1.0247% | 2,773 |
| Pretax return on assets | 1.2657% | 2,493 |
| Return on Equity (ROE) | 10.6513% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.6513% | 978 |
| Net charge-offs to loans | -0.0041% | 3,942 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5820% | 3,547 |
| Assets per employee ($millions) | 7.1175% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,691 |
| Loan loss allowance to noncurrent loans | 263.6447% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,042 |
| Noncurrent loans to loans | 0.5459% | 2,891 |
| Net loans and leases to total assets | 81.4725% | 732 |
| Net loans and leases to deposits | 94.4613% | 1,190 |
| Net loans and leases to core deposits | 123.4788% | 490 |
| Total domestic deposits to total assets | 86.2496% | 2,424 |
| Equity capital to assets | 9.6836% | 3,905 |
| Core capital (leverage) ratio | 9.7018% | 3,842 |
| Tier 1 risk-based capital ratio | 10.8019% | 5,249 |
| Total risk-based capital ratio | 12.0527% | 5,137 |
| Memoranda: | ||
| Average total assets | $482,884,500 | 1,466 |
| Average earning assets | $464,667,000 | 1,419 |
| Average equity | $46,454,500 | 1,630 |
| Average total loans | $393,443,500 | 1,275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 3,329 |
| Cost of funding earning assets | 0.3618% | 3,599 |
| Net interest margin | 3.6608% | 2,947 |
| Noninterest income to average assets | 0.2256% | 4,790 |
| Noninterest expense to average assets | 2.3094% | 4,303 |
| Loan and lease loss provision to assets | 0.0688% | 2,826 |
| Net operating income to assets | 0.8543% | 2,935 |
| Return on assets (ROA) | 0.8730% | 2,870 |
| Pretax return on assets | 1.4003% | 1,985 |
| Return on Equity (ROE) | 9.1732% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.1732% | 475 |
| Net charge-offs to loans | -0.0027% | 4,558 |
| Credit loss provision to net charge-offs | -3,270.0000% | 5,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5972% | 4,004 |
| Assets per employee ($millions) | 7.6490% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,608 |
| Loan loss allowance to noncurrent loans | 261.1423% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 3,094 |
| Noncurrent loans to loans | 0.5522% | 2,843 |
| Net loans and leases to total assets | 79.1114% | 1,095 |
| Net loans and leases to deposits | 94.0199% | 1,272 |
| Net loans and leases to core deposits | 118.4135% | 634 |
| Total domestic deposits to total assets | 84.1433% | 3,150 |
| Equity capital to assets | 9.6827% | 4,052 |
| Core capital (leverage) ratio | 9.8914% | 3,594 |
| Tier 1 risk-based capital ratio | 11.5366% | 4,827 |
| Total risk-based capital ratio | 12.7882% | 4,722 |
| Memoranda: | ||
| Average total assets | $475,271,600 | 1,462 |
| Average earning assets | $457,468,600 | 1,420 |
| Average equity | $45,229,600 | 1,654 |
| Average total loans | $365,019,400 | 1,322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,513 |
| Cost of funding earning assets | 0.3509% | 3,657 |
| Net interest margin | 3.6012% | 3,143 |
| Noninterest income to average assets | 0.2258% | 4,862 |
| Noninterest expense to average assets | 2.2665% | 4,383 |
| Loan and lease loss provision to assets | 0.0633% | 2,801 |
| Net operating income to assets | 0.9744% | 2,666 |
| Return on assets (ROA) | 0.9999% | 2,608 |
| Pretax return on assets | 1.3986% | 2,121 |
| Return on Equity (ROE) | 10.5542% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.5542% | 477 |
| Net charge-offs to loans | -0.0030% | 4,363 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3830% | 3,978 |
| Assets per employee ($millions) | 7.8554% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,631 |
| Loan loss allowance to noncurrent loans | 221.5297% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 2,815 |
| Noncurrent loans to loans | 0.6650% | 2,709 |
| Net loans and leases to total assets | 77.6810% | 1,318 |
| Net loans and leases to deposits | 89.2715% | 1,895 |
| Net loans and leases to core deposits | 112.7491% | 895 |
| Total domestic deposits to total assets | 87.0166% | 1,867 |
| Equity capital to assets | 9.9095% | 4,028 |
| Core capital (leverage) ratio | 9.9217% | 3,669 |
| Tier 1 risk-based capital ratio | 11.2925% | 5,080 |
| Total risk-based capital ratio | 12.5434% | 4,973 |
| Memoranda: | ||
| Average total assets | $473,617,000 | 1,480 |
| Average earning assets | $455,906,000 | 1,435 |
| Average equity | $44,872,000 | 1,679 |
| Average total loans | $359,572,250 | 1,358 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 3,736 |
| Cost of funding earning assets | 0.3490% | 3,592 |
| Net interest margin | 3.4972% | 3,409 |
| Noninterest income to average assets | 0.2188% | 4,943 |
| Noninterest expense to average assets | 2.2345% | 4,490 |
| Loan and lease loss provision to assets | 0.0506% | 2,978 |
| Net operating income to assets | 0.9300% | 2,761 |
| Return on assets (ROA) | 0.9402% | 2,777 |
| Pretax return on assets | 1.3150% | 2,332 |
| Return on Equity (ROE) | 10.0767% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.0767% | 570 |
| Net charge-offs to loans | -0.0034% | 4,250 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3163% | 3,938 |
| Assets per employee ($millions) | 8.0142% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,609 |
| Loan loss allowance to noncurrent loans | 211.4657% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 2,822 |
| Noncurrent loans to loans | 0.7049% | 2,640 |
| Net loans and leases to total assets | 75.0128% | 1,696 |
| Net loans and leases to deposits | 87.3877% | 2,055 |
| Net loans and leases to core deposits | 109.8027% | 1,011 |
| Total domestic deposits to total assets | 85.8391% | 2,453 |
| Equity capital to assets | 9.6223% | 4,293 |
| Core capital (leverage) ratio | 9.5876% | 4,031 |
| Tier 1 risk-based capital ratio | 11.3545% | 5,050 |
| Total risk-based capital ratio | 12.6058% | 4,940 |
| Memoranda: | ||
| Average total assets | $474,381,330 | 1,485 |
| Average earning assets | $456,713,000 | 1,434 |
| Average equity | $44,260,670 | 1,695 |
| Average total loans | $355,562,000 | 1,375 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 3,946 |
| Cost of funding earning assets | 0.3401% | 3,632 |
| Net interest margin | 3.4068% | 3,632 |
| Noninterest income to average assets | 0.2222% | 4,944 |
| Noninterest expense to average assets | 2.1610% | 4,738 |
| Loan and lease loss provision to assets | 0.0505% | 2,796 |
| Net operating income to assets | 0.9234% | 2,649 |
| Return on assets (ROA) | 0.9403% | 2,622 |
| Pretax return on assets | 1.3149% | 2,184 |
| Return on Equity (ROE) | 10.2378% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.2378% | 757 |
| Net charge-offs to loans | -0.0045% | 4,154 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6919% | 4,196 |
| Assets per employee ($millions) | 8.8341% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,646 |
| Loan loss allowance to noncurrent loans | 186.9274% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 2,942 |
| Noncurrent loans to loans | 0.8102% | 2,426 |
| Net loans and leases to total assets | 69.7310% | 2,433 |
| Net loans and leases to deposits | 84.2790% | 2,252 |
| Net loans and leases to core deposits | 105.6791% | 1,124 |
| Total domestic deposits to total assets | 82.7383% | 3,935 |
| Equity capital to assets | 8.9402% | 4,870 |
| Core capital (leverage) ratio | 9.2972% | 4,347 |
| Tier 1 risk-based capital ratio | 11.7184% | 4,903 |
| Total risk-based capital ratio | 12.9704% | 4,798 |
| Memoranda: | ||
| Average total assets | $475,153,000 | 1,490 |
| Average earning assets | $457,554,500 | 1,437 |
| Average equity | $43,642,000 | 1,722 |
| Average total loans | $353,315,000 | 1,388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,547 |
| Cost of funding earning assets | 0.2823% | 4,237 |
| Net interest margin | 3.6254% | 2,980 |
| Noninterest income to average assets | 0.2473% | 4,943 |
| Noninterest expense to average assets | 2.2005% | 4,770 |
| Loan and lease loss provision to assets | 0.1064% | 2,275 |
| Net operating income to assets | 1.0224% | 2,249 |
| Return on assets (ROA) | 1.0438% | 2,271 |
| Pretax return on assets | 1.4600% | 1,713 |
| Return on Equity (ROE) | 10.8772% | 1,627 |
| Retained earnings to average equity (ytd only) | 10.8772% | 317 |
| Net charge-offs to loans | 0.0268% | 3,498 |
| Credit loss provision to net charge-offs | 520.4545% | 641 |
| Earnings coverage of net charge-offs (x) | 75.1705% | 749 |
| Efficiency ratio | 58.8901% | 4,736 |
| Assets per employee ($millions) | 7.5933% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,794 |
| Loan loss allowance to noncurrent loans | 181.0988% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,813 |
| Noncurrent loans to loans | 0.8121% | 2,490 |
| Net loans and leases to total assets | 77.0677% | 1,353 |
| Net loans and leases to deposits | 95.8255% | 1,016 |
| Net loans and leases to core deposits | 137.1725% | 203 |
| Total domestic deposits to total assets | 80.4251% | 4,470 |
| Equity capital to assets | 9.4504% | 4,323 |
| Core capital (leverage) ratio | 9.6139% | 3,946 |
| Tier 1 risk-based capital ratio | 10.9752% | 5,357 |
| Total risk-based capital ratio | 12.2262% | 5,249 |
| Memoranda: | ||
| Average total assets | $430,630,600 | 1,577 |
| Average earning assets | $414,462,400 | 1,516 |
| Average equity | $41,324,800 | 1,788 |
| Average total loans | $328,266,400 | 1,416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,572 |
| Cost of funding earning assets | 0.2800% | 4,293 |
| Net interest margin | 3.6246% | 2,986 |
| Noninterest income to average assets | 0.2463% | 4,999 |
| Noninterest expense to average assets | 2.1583% | 4,874 |
| Loan and lease loss provision to assets | 0.0710% | 2,792 |
| Net operating income to assets | 1.0772% | 2,093 |
| Return on assets (ROA) | 1.1040% | 2,085 |
| Pretax return on assets | 1.5441% | 1,562 |
| Return on Equity (ROE) | 11.4575% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.4575% | 363 |
| Net charge-offs to loans | -0.0012% | 4,450 |
| Credit loss provision to net charge-offs | -7,533.3333% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7748% | 4,846 |
| Assets per employee ($millions) | 8.1615% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,825 |
| Loan loss allowance to noncurrent loans | 2,048.1928% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 5,219 |
| Noncurrent loans to loans | 0.0724% | 5,060 |
| Net loans and leases to total assets | 78.3367% | 1,142 |
| Net loans and leases to deposits | 90.7921% | 1,661 |
| Net loans and leases to core deposits | 139.7917% | 196 |
| Total domestic deposits to total assets | 86.2815% | 2,227 |
| Equity capital to assets | 9.9015% | 4,239 |
| Core capital (leverage) ratio | 9.6428% | 4,004 |
| Tier 1 risk-based capital ratio | 11.1253% | 5,299 |
| Total risk-based capital ratio | 12.3767% | 5,211 |
| Memoranda: | ||
| Average total assets | $424,388,750 | 1,601 |
| Average earning assets | $408,569,000 | 1,537 |
| Average equity | $40,892,000 | 1,825 |
| Average total loans | $321,243,000 | 1,448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 3,677 |
| Cost of funding earning assets | 0.2800% | 4,344 |
| Net interest margin | 3.5946% | 3,117 |
| Noninterest income to average assets | 0.2362% | 5,070 |
| Noninterest expense to average assets | 2.1021% | 5,053 |
| Loan and lease loss provision to assets | 0.0645% | 2,852 |
| Net operating income to assets | 1.0926% | 1,981 |
| Return on assets (ROA) | 1.1336% | 1,947 |
| Pretax return on assets | 1.5851% | 1,411 |
| Return on Equity (ROE) | 11.8770% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.8770% | 342 |
| Net charge-offs to loans | -0.0019% | 4,371 |
| Credit loss provision to net charge-offs | -4,533.3333% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8935% | 5,042 |
| Assets per employee ($millions) | 8.0218% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.1294% | 1,472 |
| Net loans and leases to deposits | 89.7966% | 1,780 |
| Net loans and leases to core deposits | 126.4561% | 363 |
| Total domestic deposits to total assets | 84.7798% | 2,971 |
| Equity capital to assets | 9.9987% | 4,228 |
| Core capital (leverage) ratio | 9.6184% | 4,043 |
| Tier 1 risk-based capital ratio | 11.3187% | 5,268 |
| Total risk-based capital ratio | 12.5703% | 5,168 |
| Memoranda: | ||
| Average total assets | $421,664,330 | 1,611 |
| Average earning assets | $405,718,670 | 1,548 |
| Average equity | $40,246,000 | 1,846 |
| Average total loans | $313,672,330 | 1,476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 3,799 |
| Cost of funding earning assets | 0.2776% | 4,420 |
| Net interest margin | 3.5633% | 3,228 |
| Noninterest income to average assets | 0.2321% | 5,081 |
| Noninterest expense to average assets | 2.0588% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1401% | 1,748 |
| Return on assets (ROA) | 1.1408% | 1,867 |
| Pretax return on assets | 1.6022% | 1,285 |
| Return on Equity (ROE) | 12.2384% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.2384% | 473 |
| Net charge-offs to loans | -0.0039% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2516% | 5,171 |
| Assets per employee ($millions) | 8.8129% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.1508% | 2,012 |
| Net loans and leases to deposits | 81.3739% | 2,621 |
| Net loans and leases to core deposits | 130.0950% | 268 |
| Total domestic deposits to total assets | 88.6658% | 1,261 |
| Equity capital to assets | 9.3582% | 4,829 |
| Core capital (leverage) ratio | 9.2057% | 4,593 |
| Tier 1 risk-based capital ratio | 11.0674% | 5,472 |
| Total risk-based capital ratio | 12.3190% | 5,377 |
| Memoranda: | ||
| Average total assets | $423,928,500 | 1,598 |
| Average earning assets | $407,824,000 | 1,537 |
| Average equity | $39,515,000 | 1,867 |
| Average total loans | $309,222,000 | 1,486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,788 |
| Cost of funding earning assets | 0.2975% | 4,276 |
| Net interest margin | 3.5789% | 3,212 |
| Noninterest income to average assets | 0.2741% | 4,926 |
| Noninterest expense to average assets | 1.9144% | 5,598 |
| Loan and lease loss provision to assets | 0.0391% | 3,551 |
| Net operating income to assets | 1.2285% | 1,455 |
| Return on assets (ROA) | 1.2390% | 1,477 |
| Pretax return on assets | 1.8100% | 793 |
| Return on Equity (ROE) | 13.3166% | 992 |
| Retained earnings to average equity (ytd only) | 10.3137% | 420 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0775% | 5,699 |
| Assets per employee ($millions) | 8.3222% | 492 |
| Cash dividends to net income (ytd only)* | 22.5502% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.4065% | 2,148 |
| Net loans and leases to deposits | 82.4531% | 2,535 |
| Net loans and leases to core deposits | 123.2584% | 397 |
| Total domestic deposits to total assets | 86.6025% | 2,324 |
| Equity capital to assets | 9.3019% | 4,793 |
| Core capital (leverage) ratio | 9.2604% | 4,531 |
| Tier 1 risk-based capital ratio | 11.0093% | 5,519 |
| Total risk-based capital ratio | 12.2611% | 5,422 |
| Memoranda: | ||
| Average total assets | $393,703,000 | 1,671 |
| Average earning assets | $382,154,200 | 1,597 |
| Average equity | $36,631,000 | 1,949 |
| Average total loans | $285,506,400 | 1,532 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 3,797 |
| Cost of funding earning assets | 0.3032% | 4,303 |
| Net interest margin | 3.5810% | 3,233 |
| Noninterest income to average assets | 0.2845% | 4,913 |
| Noninterest expense to average assets | 1.8912% | 5,654 |
| Loan and lease loss provision to assets | 0.0529% | 3,138 |
| Net operating income to assets | 1.2551% | 1,466 |
| Return on assets (ROA) | 1.2701% | 1,483 |
| Pretax return on assets | 1.8472% | 811 |
| Return on Equity (ROE) | 13.6497% | 969 |
| Retained earnings to average equity (ytd only) | 9.5884% | 716 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1686% | 5,769 |
| Assets per employee ($millions) | 7.9622% | 549 |
| Cash dividends to net income (ytd only)* | 29.7539% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 1,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 71.5240% | 2,138 |
| Net loans and leases to deposits | 80.2227% | 2,857 |
| Net loans and leases to core deposits | 130.0027% | 278 |
| Total domestic deposits to total assets | 89.1568% | 943 |
| Equity capital to assets | 9.3052% | 4,998 |
| Core capital (leverage) ratio | 8.9080% | 5,107 |
| Tier 1 risk-based capital ratio | 11.1705% | 5,563 |
| Total risk-based capital ratio | 12.4232% | 5,457 |
| Memoranda: | ||
| Average total assets | $388,101,750 | 1,707 |
| Average earning assets | $377,721,750 | 1,622 |
| Average equity | $36,112,250 | 1,988 |
| Average total loans | $281,383,250 | 1,552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,872 |
| Cost of funding earning assets | 0.3045% | 4,349 |
| Net interest margin | 3.5450% | 3,309 |
| Noninterest income to average assets | 0.2999% | 4,809 |
| Noninterest expense to average assets | 1.9162% | 5,683 |
| Loan and lease loss provision to assets | 0.0492% | 3,134 |
| Net operating income to assets | 1.2490% | 1,469 |
| Return on assets (ROA) | 1.2604% | 1,480 |
| Pretax return on assets | 1.7995% | 895 |
| Return on Equity (ROE) | 13.5455% | 996 |
| Retained earnings to average equity (ytd only) | 7.3578% | 1,540 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1170% | 5,790 |
| Assets per employee ($millions) | 8.0845% | 509 |
| Cash dividends to net income (ytd only)* | 45.6811% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.1577% | 1,953 |
| Net loans and leases to deposits | 80.9967% | 2,666 |
| Net loans and leases to core deposits | 122.2723% | 411 |
| Total domestic deposits to total assets | 89.0872% | 1,108 |
| Equity capital to assets | 9.1129% | 5,134 |
| Core capital (leverage) ratio | 8.9934% | 4,981 |
| Tier 1 risk-based capital ratio | 11.4143% | 5,520 |
| Total risk-based capital ratio | 12.6678% | 5,444 |
| Memoranda: | ||
| Average total assets | $382,111,670 | 1,741 |
| Average earning assets | $371,738,670 | 1,654 |
| Average equity | $35,554,330 | 2,020 |
| Average total loans | $276,741,000 | 1,589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,856 |
| Cost of funding earning assets | 0.3075% | 4,361 |
| Net interest margin | 3.5331% | 3,291 |
| Noninterest income to average assets | 0.3359% | 4,502 |
| Noninterest expense to average assets | 1.8886% | 5,778 |
| Loan and lease loss provision to assets | 0.0682% | 2,579 |
| Net operating income to assets | 1.2800% | 1,337 |
| Return on assets (ROA) | 1.2882% | 1,399 |
| Pretax return on assets | 1.8342% | 814 |
| Return on Equity (ROE) | 13.6956% | 941 |
| Retained earnings to average equity (ytd only) | 7.4600% | 1,784 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9718% | 5,916 |
| Assets per employee ($millions) | 8.5874% | 419 |
| Cash dividends to net income (ytd only)* | 45.5298% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 1,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.3213% | 2,393 |
| Net loans and leases to deposits | 76.4914% | 2,996 |
| Net loans and leases to core deposits | 124.0926% | 324 |
| Total domestic deposits to total assets | 89.3188% | 1,083 |
| Equity capital to assets | 9.0684% | 5,221 |
| Core capital (leverage) ratio | 9.0345% | 4,908 |
| Tier 1 risk-based capital ratio | 11.9533% | 5,272 |
| Total risk-based capital ratio | 13.2079% | 5,160 |
| Memoranda: | ||
| Average total assets | $375,096,500 | 1,782 |
| Average earning assets | $365,573,000 | 1,683 |
| Average equity | $35,281,500 | 2,049 |
| Average total loans | $269,782,500 | 1,627 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 3,388 |
| Cost of funding earning assets | 0.3679% | 4,060 |
| Net interest margin | 3.7156% | 2,951 |
| Noninterest income to average assets | 0.3390% | 4,684 |
| Noninterest expense to average assets | 2.1391% | 5,482 |
| Loan and lease loss provision to assets | 0.0998% | 2,493 |
| Net operating income to assets | 1.1999% | 1,586 |
| Return on assets (ROA) | 1.2003% | 1,644 |
| Pretax return on assets | 1.7146% | 955 |
| Return on Equity (ROE) | 12.6008% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.6008% | 251 |
| Net charge-offs to loans | 0.0609% | 3,628 |
| Credit loss provision to net charge-offs | 216.5605% | 1,147 |
| Earnings coverage of net charge-offs (x) | 39.3567% | 1,100 |
| Efficiency ratio | 54.1141% | 5,831 |
| Assets per employee ($millions) | 7.8927% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 1,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,982 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.2557% | 1,714 |
| Net loans and leases to deposits | 83.6521% | 2,255 |
| Net loans and leases to core deposits | 122.3780% | 354 |
| Total domestic deposits to total assets | 87.5719% | 1,992 |
| Equity capital to assets | 9.7815% | 4,384 |
| Core capital (leverage) ratio | 9.6711% | 4,016 |
| Tier 1 risk-based capital ratio | 13.0190% | 4,722 |
| Total risk-based capital ratio | 14.2718% | 4,628 |
| Memoranda: | ||
| Average total assets | $340,658,600 | 1,910 |
| Average earning assets | $331,328,400 | 1,811 |
| Average equity | $32,450,400 | 2,144 |
| Average total loans | $257,810,400 | 1,645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,368 |
| Cost of funding earning assets | 0.3770% | 4,054 |
| Net interest margin | 3.7243% | 2,930 |
| Noninterest income to average assets | 0.2429% | 5,463 |
| Noninterest expense to average assets | 1.9926% | 5,780 |
| Loan and lease loss provision to assets | 0.1048% | 2,290 |
| Net operating income to assets | 1.2527% | 1,518 |
| Return on assets (ROA) | 1.2533% | 1,572 |
| Pretax return on assets | 1.7687% | 945 |
| Return on Equity (ROE) | 13.2503% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.2503% | 303 |
| Net charge-offs to loans | 0.0828% | 3,020 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 29.7742% | 1,376 |
| Efficiency ratio | 51.5505% | 6,021 |
| Assets per employee ($millions) | 7.8833% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 1,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 5,100 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.7611% | 2,234 |
| Net loans and leases to deposits | 79.0610% | 2,828 |
| Net loans and leases to core deposits | 123.5280% | 317 |
| Total domestic deposits to total assets | 88.2370% | 1,639 |
| Equity capital to assets | 9.5008% | 4,796 |
| Core capital (leverage) ratio | 9.4198% | 4,487 |
| Tier 1 risk-based capital ratio | 13.2417% | 4,704 |
| Total risk-based capital ratio | 14.4957% | 4,637 |
| Memoranda: | ||
| Average total assets | $337,030,500 | 1,940 |
| Average earning assets | $327,822,500 | 1,839 |
| Average equity | $31,877,750 | 2,180 |
| Average total loans | $256,038,000 | 1,660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,163 |
| Cost of funding earning assets | 0.3799% | 4,105 |
| Net interest margin | 3.7665% | 2,686 |
| Noninterest income to average assets | 0.2193% | 5,640 |
| Noninterest expense to average assets | 2.0023% | 5,838 |
| Loan and lease loss provision to assets | 0.1601% | 1,550 |
| Net operating income to assets | 1.2210% | 1,527 |
| Return on assets (ROA) | 1.2219% | 1,584 |
| Pretax return on assets | 1.7232% | 970 |
| Return on Equity (ROE) | 12.9393% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.9393% | 342 |
| Net charge-offs to loans | 0.1243% | 2,428 |
| Credit loss provision to net charge-offs | 165.6250% | 1,362 |
| Earnings coverage of net charge-offs (x) | 19.4750% | 1,624 |
| Efficiency ratio | 51.5472% | 6,096 |
| Assets per employee ($millions) | 7.9549% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 5,154 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 75.8138% | 1,197 |
| Net loans and leases to deposits | 85.9790% | 1,816 |
| Net loans and leases to core deposits | 129.8744% | 226 |
| Total domestic deposits to total assets | 88.1772% | 1,809 |
| Equity capital to assets | 9.4984% | 4,752 |
| Core capital (leverage) ratio | 9.4679% | 4,373 |
| Tier 1 risk-based capital ratio | 11.8595% | 5,615 |
| Total risk-based capital ratio | 13.1113% | 5,543 |
| Memoranda: | ||
| Average total assets | $331,124,670 | 1,971 |
| Average earning assets | $322,210,000 | 1,869 |
| Average equity | $31,269,000 | 2,204 |
| Average total loans | $257,345,330 | 1,647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,618 |
| Cost of funding earning assets | 0.3796% | 4,202 |
| Net interest margin | 3.6362% | 3,112 |
| Noninterest income to average assets | 0.2137% | 5,647 |
| Noninterest expense to average assets | 1.9923% | 5,898 |
| Loan and lease loss provision to assets | 0.2850% | 705 |
| Net operating income to assets | 1.0465% | 2,019 |
| Return on assets (ROA) | 1.0465% | 2,089 |
| Pretax return on assets | 1.4776% | 1,494 |
| Return on Equity (ROE) | 11.1160% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.1160% | 723 |
| Net charge-offs to loans | -0.0031% | 4,748 |
| Credit loss provision to net charge-offs | -11,600.0000% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0586% | 6,081 |
| Assets per employee ($millions) | 7.7190% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,972 |
| Loan loss allowance to noncurrent loans | 462.9126% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 4,738 |
| Noncurrent loans to loans | 0.3940% | 4,948 |
| Net loans and leases to total assets | 75.5639% | 1,053 |
| Net loans and leases to deposits | 85.3287% | 1,692 |
| Net loans and leases to core deposits | 133.9487% | 157 |
| Total domestic deposits to total assets | 88.5563% | 1,912 |
| Equity capital to assets | 9.1795% | 4,894 |
| Core capital (leverage) ratio | 9.3019% | 4,575 |
| Tier 1 risk-based capital ratio | 11.7601% | 5,784 |
| Total risk-based capital ratio | 13.0127% | 5,718 |
| Memoranda: | ||
| Average total assets | $325,657,500 | 2,008 |
| Average earning assets | $317,147,500 | 1,902 |
| Average equity | $30,658,500 | 2,231 |
| Average total loans | $254,034,500 | 1,672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,986 |
| Cost of funding earning assets | 0.4277% | 4,346 |
| Net interest margin | 3.8648% | 2,414 |
| Noninterest income to average assets | 0.4283% | 4,245 |
| Noninterest expense to average assets | 2.3064% | 5,369 |
| Loan and lease loss provision to assets | 0.2820% | 1,224 |
| Net operating income to assets | 1.1333% | 1,822 |
| Return on assets (ROA) | 1.1462% | 1,836 |
| Pretax return on assets | 1.6202% | 1,120 |
| Return on Equity (ROE) | 11.8523% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.8523% | 332 |
| Net charge-offs to loans | -0.0075% | 5,986 |
| Credit loss provision to net charge-offs | -4,752.9412% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0391% | 6,046 |
| Assets per employee ($millions) | 7.6019% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 1,951 |
| Loan loss allowance to noncurrent loans | 214.1710% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 3,743 |
| Noncurrent loans to loans | 0.8583% | 3,833 |
| Net loans and leases to total assets | 77.6840% | 861 |
| Net loans and leases to deposits | 88.3893% | 1,422 |
| Net loans and leases to core deposits | 132.3538% | 179 |
| Total domestic deposits to total assets | 87.8885% | 2,246 |
| Equity capital to assets | 9.6702% | 4,196 |
| Core capital (leverage) ratio | 9.7823% | 3,868 |
| Tier 1 risk-based capital ratio | 12.2200% | 5,480 |
| Total risk-based capital ratio | 13.4729% | 5,409 |
| Memoranda: | ||
| Average total assets | $286,510,200 | 2,223 |
| Average earning assets | $278,903,200 | 2,124 |
| Average equity | $27,707,800 | 2,403 |
| Average total loans | $227,599,400 | 1,801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,997 |
| Cost of funding earning assets | 0.4433% | 4,347 |
| Net interest margin | 3.8563% | 2,437 |
| Noninterest income to average assets | 0.4125% | 4,434 |
| Noninterest expense to average assets | 2.3039% | 5,330 |
| Loan and lease loss provision to assets | 0.2617% | 1,350 |
| Net operating income to assets | 1.1038% | 1,993 |
| Return on assets (ROA) | 1.1239% | 1,986 |
| Pretax return on assets | 1.6301% | 1,267 |
| Return on Equity (ROE) | 11.6210% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.6210% | 483 |
| Net charge-offs to loans | -0.0090% | 5,871 |
| Credit loss provision to net charge-offs | -3,666.6667% | 6,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2929% | 5,994 |
| Assets per employee ($millions) | 7.0994% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,344 |
| Loan loss allowance to noncurrent loans | 201.6989% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 3,794 |
| Noncurrent loans to loans | 0.8862% | 4,052 |
| Net loans and leases to total assets | 78.7552% | 677 |
| Net loans and leases to deposits | 89.9769% | 1,168 |
| Net loans and leases to core deposits | 130.6013% | 184 |
| Total domestic deposits to total assets | 87.5282% | 2,399 |
| Equity capital to assets | 9.8371% | 4,119 |
| Core capital (leverage) ratio | 9.7431% | 4,043 |
| Tier 1 risk-based capital ratio | 12.1399% | 5,690 |
| Total risk-based capital ratio | 13.3938% | 5,624 |
| Memoranda: | ||
| Average total assets | $280,218,250 | 2,274 |
| Average earning assets | $272,790,500 | 2,166 |
| Average equity | $27,099,750 | 2,474 |
| Average total loans | $222,834,750 | 1,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,898 |
| Cost of funding earning assets | 0.4711% | 4,193 |
| Net interest margin | 3.8414% | 2,406 |
| Noninterest income to average assets | 0.3851% | 4,628 |
| Noninterest expense to average assets | 2.3126% | 5,331 |
| Loan and lease loss provision to assets | 0.2509% | 1,481 |
| Net operating income to assets | 1.0806% | 1,992 |
| Return on assets (ROA) | 1.1027% | 2,032 |
| Pretax return on assets | 1.5943% | 1,388 |
| Return on Equity (ROE) | 11.4738% | 1,647 |
| Retained earnings to average equity (ytd only) | 11.4738% | 573 |
| Net charge-offs to loans | -0.0147% | 5,871 |
| Credit loss provision to net charge-offs | -2,150.0000% | 6,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0544% | 5,960 |
| Assets per employee ($millions) | 7.3388% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,431 |
| Loan loss allowance to noncurrent loans | 4,844.0476% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 5,749 |
| Noncurrent loans to loans | 0.0372% | 6,290 |
| Net loans and leases to total assets | 75.5714% | 1,034 |
| Net loans and leases to deposits | 86.5434% | 1,508 |
| Net loans and leases to core deposits | 126.2819% | 223 |
| Total domestic deposits to total assets | 87.3219% | 2,642 |
| Equity capital to assets | 9.6991% | 4,315 |
| Core capital (leverage) ratio | 10.0114% | 3,492 |
| Tier 1 risk-based capital ratio | 12.6475% | 5,394 |
| Total risk-based capital ratio | 13.9040% | 5,328 |
| Memoranda: | ||
| Average total assets | $274,232,330 | 2,328 |
| Average earning assets | $267,035,330 | 2,213 |
| Average equity | $26,355,670 | 2,553 |
| Average total loans | $217,412,000 | 1,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 2,586 |
| Cost of funding earning assets | 0.5095% | 3,980 |
| Net interest margin | 3.8725% | 2,207 |
| Noninterest income to average assets | 0.4400% | 4,183 |
| Noninterest expense to average assets | 2.3948% | 5,142 |
| Loan and lease loss provision to assets | 0.2600% | 1,371 |
| Net operating income to assets | 1.0606% | 1,989 |
| Return on assets (ROA) | 1.1006% | 1,957 |
| Pretax return on assets | 1.6132% | 1,277 |
| Return on Equity (ROE) | 11.5110% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.5110% | 778 |
| Net charge-offs to loans | -0.0263% | 5,839 |
| Credit loss provision to net charge-offs | -1,228.5714% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8966% | 5,977 |
| Assets per employee ($millions) | 7.3419% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,662 |
| Loan loss allowance to noncurrent loans | 4,188.1720% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 5,782 |
| Noncurrent loans to loans | 0.0427% | 6,354 |
| Net loans and leases to total assets | 76.6992% | 750 |
| Net loans and leases to deposits | 87.4832% | 1,193 |
| Net loans and leases to core deposits | 128.2709% | 188 |
| Total domestic deposits to total assets | 87.6731% | 2,533 |
| Equity capital to assets | 9.2007% | 5,252 |
| Core capital (leverage) ratio | 9.3483% | 4,327 |
| Tier 1 risk-based capital ratio | 11.6268% | 6,117 |
| Total risk-based capital ratio | 12.8837% | 6,091 |
| Memoranda: | ||
| Average total assets | $264,572,000 | 2,445 |
| Average earning assets | $257,506,000 | 2,311 |
| Average equity | $25,297,500 | 2,679 |
| Average total loans | $213,162,500 | 1,921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 2,730 |
| Cost of funding earning assets | 0.5795% | 4,540 |
| Net interest margin | 4.0856% | 2,056 |
| Noninterest income to average assets | 0.5051% | 3,864 |
| Noninterest expense to average assets | 2.6612% | 4,533 |
| Loan and lease loss provision to assets | 0.2296% | 2,836 |
| Net operating income to assets | 1.0859% | 1,986 |
| Return on assets (ROA) | 1.0877% | 2,168 |
| Pretax return on assets | 1.5923% | 1,409 |
| Return on Equity (ROE) | 10.3483% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.3483% | 534 |
| Net charge-offs to loans | 0.0424% | 5,323 |
| Credit loss provision to net charge-offs | 686.6667% | 360 |
| Earnings coverage of net charge-offs (x) | 54.4133% | 641 |
| Efficiency ratio | 59.3971% | 5,632 |
| Assets per employee ($millions) | 6.7609% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,655 |
| Loan loss allowance to noncurrent loans | 531.3754% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 5,786 |
| Noncurrent loans to loans | 0.3349% | 5,647 |
| Net loans and leases to total assets | 81.8447% | 333 |
| Net loans and leases to deposits | 94.4551% | 723 |
| Net loans and leases to core deposits | 129.9604% | 188 |
| Total domestic deposits to total assets | 86.6494% | 3,025 |
| Equity capital to assets | 9.9643% | 4,218 |
| Core capital (leverage) ratio | 9.9995% | 3,396 |
| Tier 1 risk-based capital ratio | 11.5869% | 6,038 |
| Total risk-based capital ratio | 12.8431% | 5,998 |
| Memoranda: | ||
| Average total assets | $224,331,600 | 2,791 |
| Average earning assets | $218,278,400 | 2,627 |
| Average equity | $23,578,800 | 2,792 |
| Average total loans | $176,678,600 | 2,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,896 |
| Cost of funding earning assets | 0.5987% | 4,666 |
| Net interest margin | 4.0809% | 2,166 |
| Noninterest income to average assets | 0.4749% | 4,100 |
| Noninterest expense to average assets | 2.6791% | 4,459 |
| Loan and lease loss provision to assets | 0.2295% | 2,761 |
| Net operating income to assets | 1.0525% | 2,274 |
| Return on assets (ROA) | 1.0550% | 2,482 |
| Pretax return on assets | 1.5409% | 1,749 |
| Return on Equity (ROE) | 9.8899% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.8899% | 946 |
| Net charge-offs to loans | 0.0324% | 5,189 |
| Credit loss provision to net charge-offs | 914.6341% | 310 |
| Earnings coverage of net charge-offs (x) | 70.4086% | 581 |
| Efficiency ratio | 60.2615% | 5,456 |
| Assets per employee ($millions) | 6.8651% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 2,496 |
| Loan loss allowance to noncurrent loans | 455.3729% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 5,605 |
| Noncurrent loans to loans | 0.4159% | 5,619 |
| Net loans and leases to total assets | 79.9338% | 510 |
| Net loans and leases to deposits | 93.0846% | 869 |
| Net loans and leases to core deposits | 129.0328% | 201 |
| Total domestic deposits to total assets | 85.8722% | 3,321 |
| Equity capital to assets | 10.4043% | 3,954 |
| Core capital (leverage) ratio | 10.2280% | 3,258 |
| Tier 1 risk-based capital ratio | 12.0320% | 5,924 |
| Total risk-based capital ratio | 13.2891% | 5,904 |
| Memoranda: | ||
| Average total assets | $217,876,250 | 2,878 |
| Average earning assets | $212,008,750 | 2,735 |
| Average equity | $23,242,000 | 2,854 |
| Average total loans | $168,736,750 | 2,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 3,048 |
| Cost of funding earning assets | 0.6186% | 4,732 |
| Net interest margin | 4.0512% | 2,291 |
| Noninterest income to average assets | 0.4457% | 4,329 |
| Noninterest expense to average assets | 2.6883% | 4,471 |
| Loan and lease loss provision to assets | 0.1646% | 3,458 |
| Net operating income to assets | 1.0392% | 2,303 |
| Return on assets (ROA) | 1.0456% | 2,496 |
| Pretax return on assets | 1.5430% | 1,729 |
| Return on Equity (ROE) | 9.7142% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.7142% | 1,052 |
| Net charge-offs to loans | 0.0297% | 4,965 |
| Credit loss provision to net charge-offs | 729.1667% | 433 |
| Earnings coverage of net charge-offs (x) | 75.2500% | 539 |
| Efficiency ratio | 61.2862% | 5,368 |
| Assets per employee ($millions) | 6.7892% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 2,028 |
| Loan loss allowance to noncurrent loans | 2,825.6198% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 6,031 |
| Noncurrent loans to loans | 0.0738% | 6,478 |
| Net loans and leases to total assets | 71.6974% | 1,607 |
| Net loans and leases to deposits | 83.7490% | 1,886 |
| Net loans and leases to core deposits | 113.5793% | 465 |
| Total domestic deposits to total assets | 85.6099% | 3,561 |
| Equity capital to assets | 10.5310% | 3,651 |
| Core capital (leverage) ratio | 10.7043% | 2,589 |
| Tier 1 risk-based capital ratio | 13.3708% | 4,919 |
| Total risk-based capital ratio | 14.6296% | 4,876 |
| Memoranda: | ||
| Average total assets | $212,697,670 | 2,943 |
| Average earning assets | $206,903,670 | 2,799 |
| Average equity | $22,894,330 | 2,865 |
| Average total loans | $161,590,000 | 2,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 2,646 |
| Cost of funding earning assets | 0.6466% | 4,760 |
| Net interest margin | 4.1524% | 1,927 |
| Noninterest income to average assets | 0.4309% | 4,449 |
| Noninterest expense to average assets | 2.6122% | 4,774 |
| Loan and lease loss provision to assets | 0.3381% | 1,849 |
| Net operating income to assets | 1.0279% | 2,369 |
| Return on assets (ROA) | 1.0279% | 2,555 |
| Pretax return on assets | 1.5129% | 1,841 |
| Return on Equity (ROE) | 9.4391% | 2,626 |
| Retained earnings to average equity (ytd only) | 9.4391% | 1,428 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5281% | 5,844 |
| Assets per employee ($millions) | 6.5405% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 1,932 |
| Loan loss allowance to noncurrent loans | 2,151.8750% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 5,931 |
| Noncurrent loans to loans | 0.1011% | 6,506 |
| Net loans and leases to total assets | 73.9670% | 1,071 |
| Net loans and leases to deposits | 87.1418% | 1,267 |
| Net loans and leases to core deposits | 116.9507% | 360 |
| Total domestic deposits to total assets | 84.8812% | 4,092 |
| Equity capital to assets | 10.9004% | 3,029 |
| Core capital (leverage) ratio | 10.7153% | 2,533 |
| Tier 1 risk-based capital ratio | 13.4837% | 4,840 |
| Total risk-based capital ratio | 14.7440% | 4,819 |
| Memoranda: | ||
| Average total assets | $207,025,000 | 3,027 |
| Average earning assets | $201,040,000 | 2,885 |
| Average equity | $22,544,500 | 2,905 |
| Average total loans | $160,359,000 | 2,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 2,638 |
| Cost of funding earning assets | 0.8566% | 4,428 |
| Net interest margin | 4.1972% | 2,068 |
| Noninterest income to average assets | 0.4467% | 4,246 |
| Noninterest expense to average assets | 2.5856% | 5,148 |
| Loan and lease loss provision to assets | 0.2924% | 3,320 |
| Net operating income to assets | 1.1158% | 1,773 |
| Return on assets (ROA) | 1.1172% | 1,891 |
| Pretax return on assets | 1.6422% | 1,116 |
| Return on Equity (ROE) | 10.3781% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.3781% | 494 |
| Net charge-offs to loans | 0.0620% | 5,678 |
| Credit loss provision to net charge-offs | 590.6250% | 388 |
| Earnings coverage of net charge-offs (x) | 39.0313% | 688 |
| Efficiency ratio | 57.2260% | 6,163 |
| Assets per employee ($millions) | 6.8251% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 2,239 |
| Loan loss allowance to noncurrent loans | 434.5745% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,244 |
| Noncurrent loans to loans | 0.4629% | 5,787 |
| Net loans and leases to total assets | 77.7504% | 738 |
| Net loans and leases to deposits | 91.4447% | 1,021 |
| Net loans and leases to core deposits | 125.5913% | 281 |
| Total domestic deposits to total assets | 85.0245% | 3,830 |
| Equity capital to assets | 10.8789% | 3,108 |
| Core capital (leverage) ratio | 10.4289% | 2,812 |
| Tier 1 risk-based capital ratio | 12.7946% | 5,244 |
| Total risk-based capital ratio | 14.0529% | 5,220 |
| Memoranda: | ||
| Average total assets | $193,884,800 | 3,131 |
| Average earning assets | $188,078,400 | 2,988 |
| Average equity | $20,870,800 | 3,022 |
| Average total loans | $154,855,600 | 2,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 2,809 |
| Cost of funding earning assets | 0.8803% | 4,551 |
| Net interest margin | 4.1792% | 2,178 |
| Noninterest income to average assets | 0.4101% | 4,590 |
| Noninterest expense to average assets | 2.5687% | 5,207 |
| Loan and lease loss provision to assets | 0.3306% | 2,896 |
| Net operating income to assets | 1.0636% | 2,092 |
| Return on assets (ROA) | 1.0636% | 2,236 |
| Pretax return on assets | 1.5637% | 1,478 |
| Return on Equity (ROE) | 9.9089% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.9089% | 869 |
| Net charge-offs to loans | 0.0732% | 5,230 |
| Credit loss provision to net charge-offs | 564.2857% | 489 |
| Earnings coverage of net charge-offs (x) | 32.3325% | 886 |
| Efficiency ratio | 57.5559% | 6,075 |
| Assets per employee ($millions) | 7.0571% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 2,336 |
| Loan loss allowance to noncurrent loans | 430.0945% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,297 |
| Noncurrent loans to loans | 0.4652% | 5,915 |
| Net loans and leases to total assets | 76.2787% | 939 |
| Net loans and leases to deposits | 89.5280% | 1,268 |
| Net loans and leases to core deposits | 123.8096% | 315 |
| Total domestic deposits to total assets | 85.2010% | 3,674 |
| Equity capital to assets | 10.5905% | 3,589 |
| Core capital (leverage) ratio | 10.2922% | 3,092 |
| Tier 1 risk-based capital ratio | 12.5849% | 5,417 |
| Total risk-based capital ratio | 13.8428% | 5,392 |
| Memoranda: | ||
| Average total assets | $191,167,500 | 3,185 |
| Average earning assets | $185,390,750 | 3,034 |
| Average equity | $20,519,750 | 3,073 |
| Average total loans | $152,953,250 | 2,622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0694% | 2,835 |
| Cost of funding earning assets | 0.9005% | 4,668 |
| Net interest margin | 4.1689% | 2,162 |
| Noninterest income to average assets | 0.4125% | 4,569 |
| Noninterest expense to average assets | 2.6014% | 5,173 |
| Loan and lease loss provision to assets | 0.3386% | 2,759 |
| Net operating income to assets | 1.0288% | 2,111 |
| Return on assets (ROA) | 1.0318% | 2,195 |
| Pretax return on assets | 1.5192% | 1,474 |
| Return on Equity (ROE) | 9.5654% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.5654% | 946 |
| Net charge-offs to loans | -0.0106% | 6,695 |
| Credit loss provision to net charge-offs | -3,950.0000% | 6,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3935% | 6,111 |
| Assets per employee ($millions) | 7.1005% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 2,461 |
| Loan loss allowance to noncurrent loans | 619.2460% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 6,012 |
| Noncurrent loans to loans | 0.3176% | 6,277 |
| Net loans and leases to total assets | 78.2411% | 745 |
| Net loans and leases to deposits | 93.1356% | 933 |
| Net loans and leases to core deposits | 129.6832% | 277 |
| Total domestic deposits to total assets | 84.0077% | 4,348 |
| Equity capital to assets | 10.4776% | 3,536 |
| Core capital (leverage) ratio | 10.7772% | 2,446 |
| Tier 1 risk-based capital ratio | 12.3668% | 5,460 |
| Total risk-based capital ratio | 13.6246% | 5,435 |
| Memoranda: | ||
| Average total assets | $186,671,330 | 3,273 |
| Average earning assets | $181,007,000 | 3,118 |
| Average equity | $20,135,000 | 3,108 |
| Average total loans | $150,839,000 | 2,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 2,340 |
| Cost of funding earning assets | 0.9448% | 4,611 |
| Net interest margin | 4.2277% | 1,811 |
| Noninterest income to average assets | 0.4585% | 4,202 |
| Noninterest expense to average assets | 2.7486% | 4,648 |
| Loan and lease loss provision to assets | 0.2547% | 3,108 |
| Net operating income to assets | 1.0498% | 2,001 |
| Return on assets (ROA) | 1.0498% | 2,054 |
| Pretax return on assets | 1.5482% | 1,305 |
| Return on Equity (ROE) | 9.5820% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.5820% | 1,216 |
| Net charge-offs to loans | -0.0109% | 6,387 |
| Credit loss provision to net charge-offs | -2,875.0000% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3893% | 5,928 |
| Assets per employee ($millions) | 6.5824% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9811% | 2,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 6,587 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 78.2798% | 697 |
| Net loans and leases to deposits | 92.9871% | 920 |
| Net loans and leases to core deposits | 131.9107% | 249 |
| Total domestic deposits to total assets | 84.1835% | 4,415 |
| Equity capital to assets | 10.9046% | 2,772 |
| Core capital (leverage) ratio | 10.8422% | 2,317 |
| Tier 1 risk-based capital ratio | 12.7616% | 5,000 |
| Total risk-based capital ratio | 14.0155% | 4,977 |
| Memoranda: | ||
| Average total assets | $180,599,500 | 3,380 |
| Average earning assets | $174,848,500 | 3,225 |
| Average equity | $19,787,000 | 3,148 |
| Average total loans | $146,920,500 | 2,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 3,497 |
| Cost of funding earning assets | 1.1243% | 5,002 |
| Net interest margin | 4.0985% | 2,564 |
| Noninterest income to average assets | 0.7005% | 2,838 |
| Noninterest expense to average assets | 2.6951% | 5,011 |
| Loan and lease loss provision to assets | 0.5420% | 2,980 |
| Net operating income to assets | 0.9502% | 2,202 |
| Return on assets (ROA) | 0.9502% | 2,327 |
| Pretax return on assets | 1.4169% | 1,614 |
| Return on Equity (ROE) | 8.1246% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.8066% | 1,407 |
| Net charge-offs to loans | 0.0069% | 6,775 |
| Credit loss provision to net charge-offs | 9,766.6667% | 12 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 65 |
| Efficiency ratio | 57.9094% | 6,347 |
| Assets per employee ($millions) | 6.3175% | 1,031 |
| Cash dividends to net income (ytd only)* | 16.2232% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 2,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 6,440 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 81.3224% | 509 |
| Net loans and leases to deposits | 97.7621% | 738 |
| Net loans and leases to core deposits | 131.7085% | 309 |
| Total domestic deposits to total assets | 83.1840% | 4,715 |
| Equity capital to assets | 11.0102% | 2,679 |
| Core capital (leverage) ratio | 10.8778% | 2,249 |
| Tier 1 risk-based capital ratio | 12.7762% | 4,791 |
| Total risk-based capital ratio | 14.0329% | 4,752 |
| Memoranda: | ||
| Average total assets | $162,180,400 | 3,655 |
| Average earning assets | $156,447,600 | 3,515 |
| Average equity | $18,967,000 | 3,286 |
| Average total loans | $131,262,200 | 3,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 3,931 |
| Cost of funding earning assets | 1.1398% | 5,201 |
| Net interest margin | 4.0417% | 2,898 |
| Noninterest income to average assets | 0.7209% | 2,700 |
| Noninterest expense to average assets | 2.6741% | 4,987 |
| Loan and lease loss provision to assets | 0.4492% | 3,223 |
| Net operating income to assets | 1.0027% | 2,228 |
| Return on assets (ROA) | 1.0027% | 2,346 |
| Pretax return on assets | 1.4931% | 1,639 |
| Return on Equity (ROE) | 8.4358% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.4358% | 1,263 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9264% | 6,283 |
| Assets per employee ($millions) | 5.7996% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 6,425 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.0491% | 614 |
| Net loans and leases to deposits | 96.4823% | 926 |
| Net loans and leases to core deposits | 131.4884% | 358 |
| Total domestic deposits to total assets | 84.0041% | 4,128 |
| Equity capital to assets | 11.6680% | 2,387 |
| Core capital (leverage) ratio | 11.8261% | 1,754 |
| Tier 1 risk-based capital ratio | 13.3342% | 4,330 |
| Total risk-based capital ratio | 14.5893% | 4,285 |
| Memoranda: | ||
| Average total assets | $158,502,750 | 3,787 |
| Average earning assets | $152,771,000 | 3,642 |
| Average equity | $18,839,750 | 3,340 |
| Average total loans | $127,415,500 | 3,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 4,210 |
| Cost of funding earning assets | 1.1446% | 5,440 |
| Net interest margin | 4.0016% | 3,009 |
| Noninterest income to average assets | 0.5513% | 3,703 |
| Noninterest expense to average assets | 2.5941% | 5,348 |
| Loan and lease loss provision to assets | 0.4560% | 3,041 |
| Net operating income to assets | 0.9081% | 2,527 |
| Return on assets (ROA) | 1.0832% | 1,982 |
| Pretax return on assets | 1.6126% | 1,271 |
| Return on Equity (ROE) | 9.0536% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.0536% | 1,086 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9406% | 6,233 |
| Assets per employee ($millions) | 6.4368% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 6,285 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.7728% | 999 |
| Net loans and leases to deposits | 92.8224% | 1,414 |
| Net loans and leases to core deposits | 125.7634% | 521 |
| Total domestic deposits to total assets | 84.8640% | 3,703 |
| Equity capital to assets | 11.8325% | 2,196 |
| Core capital (leverage) ratio | 12.1808% | 1,555 |
| Tier 1 risk-based capital ratio | 14.1652% | 3,619 |
| Total risk-based capital ratio | 15.4210% | 3,578 |
| Memoranda: | ||
| Average total assets | $155,274,670 | 3,868 |
| Average earning assets | $149,390,670 | 3,715 |
| Average equity | $18,578,330 | 3,365 |
| Average total loans | $123,629,000 | 3,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 3,811 |
| Cost of funding earning assets | 1.1085% | 5,861 |
| Net interest margin | 4.1357% | 2,295 |
| Noninterest income to average assets | 0.5667% | 3,510 |
| Noninterest expense to average assets | 2.5005% | 5,731 |
| Loan and lease loss provision to assets | 0.6087% | 2,091 |
| Net operating income to assets | 0.9394% | 2,398 |
| Return on assets (ROA) | 1.2909% | 1,393 |
| Pretax return on assets | 1.9547% | 660 |
| Return on Equity (ROE) | 10.7265% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.7265% | 982 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1824% | 6,863 |
| Assets per employee ($millions) | 6.5294% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 6,153 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 84.0573% | 368 |
| Net loans and leases to deposits | 101.0249% | 692 |
| Net loans and leases to core deposits | 144.9259% | 280 |
| Total domestic deposits to total assets | 83.2045% | 4,522 |
| Equity capital to assets | 12.9617% | 1,541 |
| Core capital (leverage) ratio | 11.7984% | 1,752 |
| Tier 1 risk-based capital ratio | 14.9692% | 3,125 |
| Total risk-based capital ratio | 16.2251% | 3,086 |
| Memoranda: | ||
| Average total assets | $152,451,500 | 3,974 |
| Average earning assets | $146,142,500 | 3,833 |
| Average equity | $18,347,000 | 3,428 |
| Average total loans | $120,922,000 | 3,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 6,350 |
| Cost of funding earning assets | 1.1835% | 6,716 |
| Net interest margin | 3.8422% | 3,522 |
| Noninterest income to average assets | 0.3924% | 5,272 |
| Noninterest expense to average assets | 2.5572% | 5,929 |
| Loan and lease loss provision to assets | 0.6893% | 3,071 |
| Net operating income to assets | 0.5684% | 3,450 |
| Return on assets (ROA) | 0.5684% | 3,528 |
| Pretax return on assets | 0.8343% | 3,132 |
| Return on Equity (ROE) | 4.6251% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.6251% | 2,018 |
| Net charge-offs to loans | 0.0152% | 7,006 |
| Credit loss provision to net charge-offs | 6,093.7500% | 54 |
| Earnings coverage of net charge-offs (x) | 134.6875% | 213 |
| Efficiency ratio | 62.6646% | 6,028 |
| Assets per employee ($millions) | 7.0112% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 6,245 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.5631% | 2,618 |
| Net loans and leases to deposits | 84.7472% | 3,134 |
| Net loans and leases to core deposits | 97.4386% | 4,291 |
| Total domestic deposits to total assets | 85.6229% | 3,214 |
| Equity capital to assets | 11.2088% | 2,525 |
| Core capital (leverage) ratio | 10.5383% | 2,565 |
| Tier 1 risk-based capital ratio | 14.4061% | 3,259 |
| Total risk-based capital ratio | 15.6595% | 3,210 |
| Memoranda: | ||
| Average total assets | $141,443,200 | 4,090 |
| Average earning assets | $135,781,000 | 3,982 |
| Average equity | $17,383,400 | 3,596 |
| Average total loans | $105,294,600 | 3,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 6,605 |
| Cost of funding earning assets | 1.2273% | 6,811 |
| Net interest margin | 3.7718% | 3,768 |
| Noninterest income to average assets | 0.3605% | 5,615 |
| Noninterest expense to average assets | 2.6121% | 5,673 |
| Loan and lease loss provision to assets | 0.6594% | 2,768 |
| Net operating income to assets | 0.4660% | 4,138 |
| Return on assets (ROA) | 0.4660% | 4,233 |
| Pretax return on assets | 0.6975% | 3,865 |
| Return on Equity (ROE) | 3.6953% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.6953% | 3,224 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8134% | 5,401 |
| Assets per employee ($millions) | 7.3837% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,677 |
| Loan loss allowance to noncurrent loans | 720.6140% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 6,244 |
| Noncurrent loans to loans | 0.2017% | 6,994 |
| Net loans and leases to total assets | 68.5759% | 3,830 |
| Net loans and leases to deposits | 80.5362% | 4,292 |
| Net loans and leases to core deposits | 93.3176% | 5,095 |
| Total domestic deposits to total assets | 85.1492% | 3,152 |
| Equity capital to assets | 10.9073% | 3,108 |
| Core capital (leverage) ratio | 10.9130% | 2,469 |
| Tier 1 risk-based capital ratio | 14.5062% | 3,280 |
| Total risk-based capital ratio | 15.7568% | 3,219 |
| Memoranda: | ||
| Average total assets | $136,489,750 | 4,222 |
| Average earning assets | $130,578,500 | 4,093 |
| Average equity | $17,210,500 | 3,661 |
| Average total loans | $101,883,250 | 3,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 6,546 |
| Cost of funding earning assets | 1.3249% | 6,719 |
| Net interest margin | 3.7453% | 3,768 |
| Noninterest income to average assets | 0.3317% | 5,858 |
| Noninterest expense to average assets | 2.7378% | 5,229 |
| Loan and lease loss provision to assets | 0.6508% | 2,481 |
| Net operating income to assets | 0.3285% | 4,767 |
| Return on assets (ROA) | 0.3285% | 4,889 |
| Pretax return on assets | 0.4944% | 4,637 |
| Return on Equity (ROE) | 2.4646% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.4646% | 3,966 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5077% | 4,679 |
| Assets per employee ($millions) | 7.1496% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,218 |
| Loan loss allowance to noncurrent loans | 607.0175% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 6,181 |
| Noncurrent loans to loans | 0.2157% | 6,975 |
| Net loans and leases to total assets | 66.3359% | 4,500 |
| Net loans and leases to deposits | 76.4067% | 5,106 |
| Net loans and leases to core deposits | 87.3980% | 5,776 |
| Total domestic deposits to total assets | 86.8194% | 2,347 |
| Equity capital to assets | 10.9319% | 2,985 |
| Core capital (leverage) ratio | 11.9543% | 1,853 |
| Tier 1 risk-based capital ratio | 15.2623% | 2,902 |
| Total risk-based capital ratio | 16.4882% | 2,850 |
| Memoranda: | ||
| Average total assets | $127,839,000 | 4,435 |
| Average earning assets | $121,218,000 | 4,334 |
| Average equity | $17,041,330 | 3,706 |
| Average total loans | $98,164,670 | 4,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 6,167 |
| Cost of funding earning assets | 1.5927% | 6,062 |
| Net interest margin | 3.6465% | 4,115 |
| Noninterest income to average assets | 0.2440% | 6,505 |
| Noninterest expense to average assets | 2.8220% | 4,468 |
| Loan and lease loss provision to assets | 0.6825% | 1,854 |
| Net operating income to assets | 0.0813% | 6,034 |
| Return on assets (ROA) | 0.0813% | 6,203 |
| Pretax return on assets | 0.1238% | 6,109 |
| Return on Equity (ROE) | 0.5423% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.5423% | 5,442 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 3,202 |
| Assets per employee ($millions) | 6.1950% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 5,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.9378% | 2,051 |
| Net loans and leases to deposits | 91.0756% | 2,762 |
| Net loans and leases to core deposits | 119.7671% | 2,435 |
| Total domestic deposits to total assets | 84.4768% | 3,471 |
| Equity capital to assets | 13.0442% | 1,721 |
| Core capital (leverage) ratio | 14.5775% | 1,065 |
| Tier 1 risk-based capital ratio | 15.9689% | 2,701 |
| Total risk-based capital ratio | 17.0597% | 2,692 |
| Memoranda: | ||
| Average total assets | $113,112,500 | 4,822 |
| Average earning assets | $104,977,000 | 4,773 |
| Average equity | $16,964,500 | 3,739 |
| Average total loans | $94,384,500 | 4,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 5,720 |
| Cost of funding earning assets | 2.1480% | 5,841 |
| Net interest margin | 3.8183% | 3,947 |
| Noninterest income to average assets | 0.2426% | 6,706 |
| Noninterest expense to average assets | 3.4704% | 2,472 |
| Loan and lease loss provision to assets | 0.6787% | 2,140 |
| Net operating income to assets | 0.0189% | 6,317 |
| Return on assets (ROA) | 0.0189% | 6,170 |
| Pretax return on assets | -0.2200% | 6,386 |
| Return on Equity (ROE) | 0.0891% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.0891% | 5,181 |
| Net charge-offs to loans | 0.3296% | 3,199 |
| Credit loss provision to net charge-offs | 233.7662% | 2,033 |
| Earnings coverage of net charge-offs (x) | 1.5801% | 5,302 |
| Efficiency ratio | 88.3237% | 1,649 |
| Assets per employee ($millions) | 4.3695% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,227 |
| Loan loss allowance to noncurrent loans | 175.0452% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 5,463 |
| Noncurrent loans to loans | 0.6319% | 5,481 |
| Net loans and leases to total assets | 90.0321% | 195 |
| Net loans and leases to deposits | 117.5080% | 458 |
| Net loans and leases to core deposits | 150.4930% | 837 |
| Total domestic deposits to total assets | 76.6179% | 6,090 |
| Equity capital to assets | 17.6419% | 699 |
| Core capital (leverage) ratio | 18.3850% | 564 |
| Tier 1 risk-based capital ratio | 20.1474% | 1,594 |
| Total risk-based capital ratio | 21.3000% | 1,576 |
| Memoranda: | ||
| Average total assets | $79,558,400 | 5,717 |
| Average earning assets | $76,814,000 | 5,554 |
| Average equity | $16,833,400 | 3,767 |
| Average total loans | $70,082,400 | 4,862 |