Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,588 |
| Cost of funding earning assets | 1.7303% | 1,386 |
| Net interest margin | 3.0124% | 3,254 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.2297% | 3,045 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7974% | 2,878 |
| Return on assets (ROA) | 0.7974% | 2,861 |
| Pretax return on assets | 0.9133% | 2,926 |
| Return on Equity (ROE) | 8.9200% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.1742% | 2,546 |
| Net charge-offs to loans | -0.0063% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.4923% | 1,958 |
| Assets per employee ($millions) | 5.9546% | 2,861 |
| Cash dividends to net income (ytd only)* | 41.9785% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,632 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.5600% | 1,520 |
| Net loans and leases to deposits | 80.5799% | 2,057 |
| Net loans and leases to core deposits | 94.1005% | 1,765 |
| Total domestic deposits to total assets | 90.0500% | 744 |
| Equity capital to assets | 9.4574% | 2,377 |
| Core capital (leverage) ratio | 10.8420% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $291,568,400 | 2,461 |
| Average earning assets | $279,080,200 | 2,419 |
| Average equity | $26,071,800 | 2,459 |
| Average total loans | $207,716,000 | 2,239 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 2,559 |
| Cost of funding earning assets | 1.5731% | 1,426 |
| Net interest margin | 3.0858% | 3,163 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2329% | 2,983 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9187% | 2,623 |
| Return on assets (ROA) | 0.9187% | 2,609 |
| Pretax return on assets | 1.0084% | 2,832 |
| Return on Equity (ROE) | 10.4200% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.2286% | 1,628 |
| Net charge-offs to loans | -0.0077% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.5151% | 2,070 |
| Assets per employee ($millions) | 6.1565% | 2,613 |
| Cash dividends to net income (ytd only)* | 11.4413% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,763 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.0300% | 1,695 |
| Net loans and leases to deposits | 78.2827% | 2,224 |
| Net loans and leases to core deposits | 90.4180% | 1,902 |
| Total domestic deposits to total assets | 90.7400% | 733 |
| Equity capital to assets | 8.9157% | 2,472 |
| Core capital (leverage) ratio | 10.9609% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $293,005,500 | 2,464 |
| Average earning assets | $280,548,000 | 2,412 |
| Average equity | $25,832,000 | 2,461 |
| Average total loans | $207,096,500 | 2,241 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 2,578 |
| Cost of funding earning assets | 1.3827% | 1,494 |
| Net interest margin | 3.1456% | 3,117 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1970% | 3,089 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9360% | 2,629 |
| Return on assets (ROA) | 0.9360% | 2,614 |
| Pretax return on assets | 1.0326% | 2,823 |
| Return on Equity (ROE) | 10.6600% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.4647% | 1,560 |
| Net charge-offs to loans | -0.0029% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1794% | 2,085 |
| Assets per employee ($millions) | 6.1073% | 2,620 |
| Cash dividends to net income (ytd only)* | 11.1837% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,511 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 70.1000% | 1,733 |
| Net loans and leases to deposits | 77.1456% | 2,206 |
| Net loans and leases to core deposits | 88.3915% | 1,907 |
| Total domestic deposits to total assets | 90.8700% | 687 |
| Equity capital to assets | 8.9586% | 2,542 |
| Core capital (leverage) ratio | 10.3734% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $294,222,000 | 2,459 |
| Average earning assets | $281,917,667 | 2,411 |
| Average equity | $25,843,333 | 2,471 |
| Average total loans | $206,696,333 | 2,245 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,638 |
| Cost of funding earning assets | 1.1289% | 1,667 |
| Net interest margin | 3.2378% | 3,022 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.1699% | 3,185 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9011% | 2,849 |
| Return on assets (ROA) | 0.9011% | 2,808 |
| Pretax return on assets | 1.0938% | 2,726 |
| Return on Equity (ROE) | 10.3600% | 2,678 |
| Retained earnings to average equity (ytd only) | 9.1597% | 1,895 |
| Net charge-offs to loans | -0.0019% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6674% | 2,245 |
| Assets per employee ($millions) | 6.2780% | 2,521 |
| Cash dividends to net income (ytd only)* | 11.5964% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,539 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.1700% | 1,817 |
| Net loans and leases to deposits | 75.0853% | 2,198 |
| Net loans and leases to core deposits | 84.6480% | 1,947 |
| Total domestic deposits to total assets | 90.7900% | 868 |
| Equity capital to assets | 8.9346% | 2,564 |
| Core capital (leverage) ratio | 9.9342% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $294,758,000 | 2,493 |
| Average earning assets | $282,410,000 | 2,440 |
| Average equity | $25,634,000 | 2,511 |
| Average total loans | $205,826,000 | 2,262 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 2,035 |
| Cost of funding earning assets | 0.5256% | 1,233 |
| Net interest margin | 3.3547% | 2,409 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.1448% | 3,175 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0681% | 2,307 |
| Return on assets (ROA) | 1.0681% | 2,249 |
| Pretax return on assets | 1.2536% | 2,267 |
| Return on Equity (ROE) | 11.9400% | 2,159 |
| Retained earnings to average equity (ytd only) | 7.4862% | 2,031 |
| Net charge-offs to loans | 0.0056% | 2,216 |
| Credit loss provision to net charge-offs | 1,090.9091% | 402 |
| Earnings coverage of net charge-offs (x) | 347.0909% | 439 |
| Efficiency ratio | 62.3657% | 2,713 |
| Assets per employee ($millions) | 6.1343% | 2,647 |
| Cash dividends to net income (ytd only)* | 37.3215% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,564 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.5300% | 1,682 |
| Net loans and leases to deposits | 76.1504% | 2,085 |
| Net loans and leases to core deposits | 85.6703% | 1,777 |
| Total domestic deposits to total assets | 91.3100% | 837 |
| Equity capital to assets | 8.4582% | 2,730 |
| Core capital (leverage) ratio | 9.5297% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $294,996,800 | 2,473 |
| Average earning assets | $282,525,600 | 2,433 |
| Average equity | $26,381,800 | 2,509 |
| Average total loans | $194,840,600 | 2,276 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 2,055 |
| Cost of funding earning assets | 0.4174% | 1,176 |
| Net interest margin | 3.2812% | 2,354 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.0822% | 3,257 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1154% | 2,023 |
| Return on assets (ROA) | 1.1154% | 1,991 |
| Pretax return on assets | 1.2509% | 2,204 |
| Return on Equity (ROE) | 12.3100% | 1,938 |
| Retained earnings to average equity (ytd only) | 11.1544% | 1,008 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7167% | 2,863 |
| Assets per employee ($millions) | 6.3534% | 2,442 |
| Cash dividends to net income (ytd only)* | 9.3560% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 1,724 |
| Loan loss allowance to noncurrent loans | 570.0000% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 2,449 |
| Noncurrent loans to loans | 0.2400% | 2,423 |
| Net loans and leases to total assets | 68.8200% | 1,581 |
| Net loans and leases to deposits | 75.2318% | 1,945 |
| Net loans and leases to core deposits | 84.7709% | 1,603 |
| Total domestic deposits to total assets | 91.4800% | 1,054 |
| Equity capital to assets | 8.2894% | 2,688 |
| Core capital (leverage) ratio | 9.6169% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $295,134,000 | 2,494 |
| Average earning assets | $282,698,000 | 2,446 |
| Average equity | $26,751,000 | 2,529 |
| Average total loans | $191,651,500 | 2,293 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 2,019 |
| Cost of funding earning assets | 0.3642% | 1,161 |
| Net interest margin | 3.1747% | 2,269 |
| Noninterest income to average assets | 0.2306% | 3,805 |
| Noninterest expense to average assets | 2.0975% | 3,152 |
| Loan and lease loss provision to assets | 0.0408% | 1,847 |
| Net operating income to assets | 1.0865% | 1,821 |
| Return on assets (ROA) | 1.0865% | 1,808 |
| Pretax return on assets | 1.1348% | 2,288 |
| Return on Equity (ROE) | 11.6497% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.5263% | 895 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0823% | 2,763 |
| Assets per employee ($millions) | 6.0330% | 2,711 |
| Cash dividends to net income (ytd only)* | 9.6431% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,648 |
| Loan loss allowance to noncurrent loans | 3,205.6818% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 2,107 |
| Noncurrent loans to loans | 0.0445% | 3,608 |
| Net loans and leases to total assets | 67.2995% | 1,551 |
| Net loans and leases to deposits | 74.5335% | 1,802 |
| Net loans and leases to core deposits | 80.1724% | 1,705 |
| Total domestic deposits to total assets | 90.2943% | 1,580 |
| Equity capital to assets | 8.8610% | 2,484 |
| Core capital (leverage) ratio | 9.5945% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,975,000 | 2,514 |
| Average earning assets | $281,730,333 | 2,476 |
| Average equity | $27,417,000 | 2,558 |
| Average total loans | $186,082,000 | 2,340 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 2,304 |
| Cost of funding earning assets | 0.3631% | 1,106 |
| Net interest margin | 2.9638% | 2,625 |
| Noninterest income to average assets | 0.2336% | 3,744 |
| Noninterest expense to average assets | 2.0893% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9886% | 1,925 |
| Return on assets (ROA) | 0.9886% | 1,920 |
| Pretax return on assets | 0.9886% | 2,472 |
| Return on Equity (ROE) | 10.3479% | 1,842 |
| Retained earnings to average equity (ytd only) | 9.2594% | 1,197 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8806% | 2,522 |
| Assets per employee ($millions) | 6.1289% | 2,678 |
| Cash dividends to net income (ytd only)* | 10.5191% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 2,373 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.7468% | 1,892 |
| Net loans and leases to deposits | 68.2050% | 2,132 |
| Net loans and leases to core deposits | 72.8966% | 2,032 |
| Total domestic deposits to total assets | 90.5312% | 1,277 |
| Equity capital to assets | 9.2822% | 2,457 |
| Core capital (leverage) ratio | 9.4335% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,171,000 | 2,516 |
| Average earning assets | $284,231,000 | 2,483 |
| Average equity | $28,295,500 | 2,580 |
| Average total loans | $180,268,500 | 2,376 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 1,872 |
| Cost of funding earning assets | 0.4368% | 1,278 |
| Net interest margin | 3.3605% | 2,139 |
| Noninterest income to average assets | 0.3318% | 3,425 |
| Noninterest expense to average assets | 2.1741% | 3,163 |
| Loan and lease loss provision to assets | 0.1974% | 555 |
| Net operating income to assets | 0.9455% | 2,884 |
| Return on assets (ROA) | 0.9492% | 2,945 |
| Pretax return on assets | 1.1806% | 2,733 |
| Return on Equity (ROE) | 9.0265% | 2,902 |
| Retained earnings to average equity (ytd only) | 5.0283% | 2,776 |
| Net charge-offs to loans | 0.0011% | 2,632 |
| Credit loss provision to net charge-offs | 27,600.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,920.5000% | 70 |
| Efficiency ratio | 61.2880% | 2,970 |
| Assets per employee ($millions) | 5.7338% | 3,020 |
| Cash dividends to net income (ytd only)* | 44.2938% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,528 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.1463% | 2,362 |
| Net loans and leases to deposits | 64.5849% | 2,635 |
| Net loans and leases to core deposits | 69.2329% | 2,526 |
| Total domestic deposits to total assets | 90.0307% | 940 |
| Equity capital to assets | 9.8217% | 2,829 |
| Core capital (leverage) ratio | 9.3893% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,699,400 | 2,539 |
| Average earning assets | $267,638,800 | 2,507 |
| Average equity | $29,413,400 | 2,573 |
| Average total loans | $175,673,400 | 2,419 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 1,757 |
| Cost of funding earning assets | 0.4554% | 1,317 |
| Net interest margin | 3.4467% | 2,019 |
| Noninterest income to average assets | 0.3466% | 3,377 |
| Noninterest expense to average assets | 2.2068% | 3,049 |
| Loan and lease loss provision to assets | 0.2007% | 515 |
| Net operating income to assets | 0.9871% | 2,958 |
| Return on assets (ROA) | 0.9922% | 3,023 |
| Pretax return on assets | 1.2393% | 2,807 |
| Return on Equity (ROE) | 9.2688% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.2228% | 1,986 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6178% | 2,893 |
| Assets per employee ($millions) | 5.8339% | 2,847 |
| Cash dividends to net income (ytd only)* | 11.2848% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 2,720 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.9774% | 2,005 |
| Net loans and leases to deposits | 69.2888% | 2,307 |
| Net loans and leases to core deposits | 74.1299% | 2,226 |
| Total domestic deposits to total assets | 89.4479% | 1,043 |
| Equity capital to assets | 10.3454% | 2,572 |
| Core capital (leverage) ratio | 9.9703% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,085,500 | 2,590 |
| Average earning assets | $262,895,000 | 2,554 |
| Average equity | $29,445,750 | 2,605 |
| Average total loans | $175,560,250 | 2,457 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 1,732 |
| Cost of funding earning assets | 0.4844% | 1,295 |
| Net interest margin | 3.4491% | 2,011 |
| Noninterest income to average assets | 0.3517% | 3,352 |
| Noninterest expense to average assets | 2.2437% | 2,943 |
| Loan and lease loss provision to assets | 0.2048% | 541 |
| Net operating income to assets | 0.9495% | 3,063 |
| Return on assets (ROA) | 0.9572% | 3,124 |
| Pretax return on assets | 1.2042% | 2,897 |
| Return on Equity (ROE) | 8.8350% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.7803% | 2,159 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5886% | 2,785 |
| Assets per employee ($millions) | 5.6753% | 2,936 |
| Cash dividends to net income (ytd only)* | 11.9380% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,121 |
| Loan loss allowance to noncurrent loans | 124.3500% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 834 |
| Noncurrent loans to loans | 1.0987% | 1,104 |
| Net loans and leases to total assets | 63.2716% | 2,035 |
| Net loans and leases to deposits | 71.8585% | 2,220 |
| Net loans and leases to core deposits | 76.9401% | 2,146 |
| Total domestic deposits to total assets | 88.0503% | 1,793 |
| Equity capital to assets | 10.3889% | 2,499 |
| Core capital (leverage) ratio | 9.8351% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,549,000 | 2,618 |
| Average earning assets | $257,227,333 | 2,577 |
| Average equity | $29,202,000 | 2,613 |
| Average total loans | $172,943,667 | 2,492 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 1,222 |
| Cost of funding earning assets | 0.5216% | 1,261 |
| Net interest margin | 3.6654% | 1,414 |
| Noninterest income to average assets | 0.3551% | 3,310 |
| Noninterest expense to average assets | 2.3243% | 2,711 |
| Loan and lease loss provision to assets | 0.2103% | 567 |
| Net operating income to assets | 1.0608% | 2,602 |
| Return on assets (ROA) | 1.0608% | 2,684 |
| Pretax return on assets | 1.3123% | 2,531 |
| Return on Equity (ROE) | 9.5792% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.5194% | 2,091 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4200% | 2,983 |
| Assets per employee ($millions) | 5.3350% | 3,298 |
| Cash dividends to net income (ytd only)* | 11.0632% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 2,989 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.5416% | 2,228 |
| Net loans and leases to deposits | 70.3320% | 2,471 |
| Net loans and leases to core deposits | 75.3525% | 2,402 |
| Total domestic deposits to total assets | 88.9233% | 1,380 |
| Equity capital to assets | 10.8664% | 1,958 |
| Core capital (leverage) ratio | 10.1508% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,441,500 | 2,647 |
| Average earning assets | $250,011,000 | 2,612 |
| Average equity | $29,063,000 | 2,614 |
| Average total loans | $168,401,000 | 2,525 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 2,829 |
| Cost of funding earning assets | 0.8665% | 968 |
| Net interest margin | 3.1016% | 3,621 |
| Noninterest income to average assets | 0.3891% | 3,158 |
| Noninterest expense to average assets | 2.4035% | 3,125 |
| Loan and lease loss provision to assets | 0.2969% | 1,269 |
| Net operating income to assets | 0.6115% | 3,709 |
| Return on assets (ROA) | 0.6115% | 3,830 |
| Pretax return on assets | 0.6342% | 4,006 |
| Return on Equity (ROE) | 5.4931% | 3,747 |
| Retained earnings to average equity (ytd only) | 1.7512% | 3,923 |
| Net charge-offs to loans | 0.1035% | 1,433 |
| Credit loss provision to net charge-offs | 479.1139% | 1,290 |
| Earnings coverage of net charge-offs (x) | 15.0253% | 2,186 |
| Efficiency ratio | 72.0772% | 1,673 |
| Assets per employee ($millions) | 5.1627% | 3,206 |
| Cash dividends to net income (ytd only)* | 68.1206% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,319 |
| Loan loss allowance to noncurrent loans | 7,370.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,033 |
| Noncurrent loans to loans | 0.0179% | 4,277 |
| Net loans and leases to total assets | 64.0803% | 2,352 |
| Net loans and leases to deposits | 72.3810% | 2,645 |
| Net loans and leases to core deposits | 78.7070% | 2,486 |
| Total domestic deposits to total assets | 88.5319% | 1,203 |
| Equity capital to assets | 11.2887% | 2,027 |
| Core capital (leverage) ratio | 9.9569% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,966,600 | 2,546 |
| Average earning assets | $242,133,000 | 2,514 |
| Average equity | $28,381,200 | 2,581 |
| Average total loans | $152,642,000 | 2,641 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 2,955 |
| Cost of funding earning assets | 0.9402% | 931 |
| Net interest margin | 3.0667% | 3,820 |
| Noninterest income to average assets | 0.3651% | 3,271 |
| Noninterest expense to average assets | 2.4172% | 3,088 |
| Loan and lease loss provision to assets | 0.3025% | 1,334 |
| Net operating income to assets | 0.4742% | 4,104 |
| Return on assets (ROA) | 0.4742% | 4,179 |
| Pretax return on assets | 0.5555% | 4,187 |
| Return on Equity (ROE) | 4.2754% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.8303% | 3,991 |
| Net charge-offs to loans | 0.1415% | 1,031 |
| Credit loss provision to net charge-offs | 365.1899% | 1,557 |
| Earnings coverage of net charge-offs (x) | 10.3544% | 2,361 |
| Efficiency ratio | 73.7988% | 1,426 |
| Assets per employee ($millions) | 5.1675% | 3,049 |
| Cash dividends to net income (ytd only)* | 57.1903% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,245 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 61.7375% | 3,040 |
| Net loans and leases to deposits | 69.7437% | 3,333 |
| Net loans and leases to core deposits | 76.5581% | 3,121 |
| Total domestic deposits to total assets | 88.5206% | 966 |
| Equity capital to assets | 11.2650% | 2,178 |
| Core capital (leverage) ratio | 10.1912% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,174,750 | 2,539 |
| Average earning assets | $241,208,750 | 2,508 |
| Average equity | $28,191,500 | 2,583 |
| Average total loans | $148,896,500 | 2,680 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,180 |
| Cost of funding earning assets | 1.0294% | 902 |
| Net interest margin | 3.0240% | 4,072 |
| Noninterest income to average assets | 0.3560% | 3,344 |
| Noninterest expense to average assets | 2.4528% | 3,093 |
| Loan and lease loss provision to assets | 0.3141% | 1,366 |
| Net operating income to assets | 0.3893% | 4,250 |
| Return on assets (ROA) | 0.3893% | 4,314 |
| Pretax return on assets | 0.4550% | 4,324 |
| Return on Equity (ROE) | 3.5286% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.0901% | 4,081 |
| Net charge-offs to loans | 0.2184% | 709 |
| Credit loss provision to net charge-offs | 251.2658% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.1519% | 2,460 |
| Efficiency ratio | 76.1297% | 1,252 |
| Assets per employee ($millions) | 4.9781% | 3,197 |
| Cash dividends to net income (ytd only)* | 69.1057% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 2,500 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 59.3907% | 3,385 |
| Net loans and leases to deposits | 66.9226% | 3,646 |
| Net loans and leases to core deposits | 73.9415% | 3,464 |
| Total domestic deposits to total assets | 88.7454% | 844 |
| Equity capital to assets | 11.0878% | 2,261 |
| Core capital (leverage) ratio | 9.7573% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,774,333 | 2,527 |
| Average earning assets | $239,550,000 | 2,494 |
| Average equity | $27,886,667 | 2,592 |
| Average total loans | $144,680,000 | 2,703 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,425 |
| Cost of funding earning assets | 1.1050% | 1,031 |
| Net interest margin | 3.0272% | 4,235 |
| Noninterest income to average assets | 0.3700% | 3,299 |
| Noninterest expense to average assets | 2.4939% | 3,285 |
| Loan and lease loss provision to assets | 0.1874% | 1,598 |
| Net operating income to assets | 0.4789% | 3,949 |
| Return on assets (ROA) | 0.4789% | 4,001 |
| Pretax return on assets | 0.5542% | 4,021 |
| Return on Equity (ROE) | 4.3524% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.3202% | 3,915 |
| Net charge-offs to loans | 0.4827% | 303 |
| Credit loss provision to net charge-offs | 69.6429% | 1,983 |
| Earnings coverage of net charge-offs (x) | 2.7560% | 2,261 |
| Efficiency ratio | 77.0792% | 1,450 |
| Assets per employee ($millions) | 4.6398% | 3,076 |
| Cash dividends to net income (ytd only)* | 92.6421% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 2,570 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.6236% | 3,937 |
| Net loans and leases to deposits | 61.8149% | 4,109 |
| Net loans and leases to core deposits | 69.4520% | 3,913 |
| Total domestic deposits to total assets | 88.3665% | 946 |
| Equity capital to assets | 11.3899% | 2,533 |
| Core capital (leverage) ratio | 10.1185% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,730,500 | 2,495 |
| Average earning assets | $236,388,000 | 2,463 |
| Average equity | $27,479,000 | 2,605 |
| Average total loans | $139,224,500 | 2,732 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 4,157 |
| Cost of funding earning assets | 1.1431% | 1,179 |
| Net interest margin | 2.9004% | 4,656 |
| Noninterest income to average assets | 0.4357% | 3,079 |
| Noninterest expense to average assets | 2.4650% | 3,538 |
| Loan and lease loss provision to assets | 0.1029% | 2,011 |
| Net operating income to assets | 0.8207% | 3,486 |
| Return on assets (ROA) | 0.8695% | 3,411 |
| Pretax return on assets | 0.6458% | 4,336 |
| Return on Equity (ROE) | 8.5569% | 2,922 |
| Retained earnings to average equity (ytd only) | 4.3456% | 2,790 |
| Net charge-offs to loans | -0.0007% | 4,162 |
| Credit loss provision to net charge-offs | -26,400.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8845% | 1,165 |
| Assets per employee ($millions) | 4.6954% | 2,951 |
| Cash dividends to net income (ytd only)* | 49.2156% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 2,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,531 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.5908% | 3,950 |
| Net loans and leases to deposits | 63.4817% | 4,108 |
| Net loans and leases to core deposits | 70.2766% | 3,949 |
| Total domestic deposits to total assets | 87.5698% | 1,331 |
| Equity capital to assets | 10.6286% | 3,329 |
| Core capital (leverage) ratio | 9.8377% | 3,691 |
| Tier 1 risk-based capital ratio | 16.4706% | 2,224 |
| Total risk-based capital ratio | 17.5370% | 2,246 |
| Memoranda: | ||
| Average total assets | $256,596,000 | 2,415 |
| Average earning assets | $241,450,200 | 2,398 |
| Average equity | $26,072,600 | 2,627 |
| Average total loans | $134,673,000 | 2,779 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 4,373 |
| Cost of funding earning assets | 1.1355% | 1,220 |
| Net interest margin | 2.8594% | 4,797 |
| Noninterest income to average assets | 0.4626% | 2,941 |
| Noninterest expense to average assets | 2.4401% | 3,588 |
| Loan and lease loss provision to assets | 0.1026% | 1,872 |
| Net operating income to assets | 0.9035% | 3,330 |
| Return on assets (ROA) | 0.9574% | 3,215 |
| Pretax return on assets | 0.6600% | 4,433 |
| Return on Equity (ROE) | 9.5304% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.2101% | 1,314 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4926% | 1,154 |
| Assets per employee ($millions) | 4.5717% | 3,093 |
| Cash dividends to net income (ytd only)* | 13.8526% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 1,425 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 54.0520% | 4,181 |
| Net loans and leases to deposits | 62.1511% | 4,282 |
| Net loans and leases to core deposits | 68.3444% | 4,149 |
| Total domestic deposits to total assets | 86.9687% | 1,537 |
| Equity capital to assets | 10.9827% | 3,107 |
| Core capital (leverage) ratio | 10.1684% | 3,458 |
| Tier 1 risk-based capital ratio | 17.0602% | 2,063 |
| Total risk-based capital ratio | 18.0997% | 2,079 |
| Memoranda: | ||
| Average total assets | $257,357,250 | 2,431 |
| Average earning assets | $241,770,750 | 2,407 |
| Average equity | $25,853,500 | 2,652 |
| Average total loans | $132,700,500 | 2,825 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 4,469 |
| Cost of funding earning assets | 1.1269% | 1,211 |
| Net interest margin | 2.8303% | 4,894 |
| Noninterest income to average assets | 0.5013% | 2,667 |
| Noninterest expense to average assets | 2.3846% | 3,776 |
| Loan and lease loss provision to assets | 0.1018% | 1,837 |
| Net operating income to assets | 1.1152% | 2,462 |
| Return on assets (ROA) | 1.1499% | 2,406 |
| Pretax return on assets | 0.7072% | 4,315 |
| Return on Equity (ROE) | 11.8023% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.5120% | 636 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4883% | 1,462 |
| Assets per employee ($millions) | 4.7141% | 2,861 |
| Cash dividends to net income (ytd only)* | 10.9323% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2652% | 1,024 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.6714% | 4,433 |
| Net loans and leases to deposits | 56.9396% | 4,560 |
| Net loans and leases to core deposits | 62.7914% | 4,468 |
| Total domestic deposits to total assets | 88.9916% | 664 |
| Equity capital to assets | 10.8023% | 3,266 |
| Core capital (leverage) ratio | 9.6779% | 3,955 |
| Tier 1 risk-based capital ratio | 17.9253% | 1,828 |
| Total risk-based capital ratio | 18.9819% | 1,828 |
| Memoranda: | ||
| Average total assets | $259,329,330 | 2,424 |
| Average earning assets | $243,504,330 | 2,403 |
| Average equity | $25,266,330 | 2,694 |
| Average total loans | $131,116,000 | 2,857 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,640 |
| Cost of funding earning assets | 1.0890% | 1,223 |
| Net interest margin | 2.7499% | 5,025 |
| Noninterest income to average assets | 0.9679% | 885 |
| Noninterest expense to average assets | 2.3024% | 4,012 |
| Loan and lease loss provision to assets | 0.1000% | 1,757 |
| Net operating income to assets | 1.1512% | 2,261 |
| Return on assets (ROA) | 1.1542% | 2,300 |
| Pretax return on assets | 1.1542% | 2,963 |
| Return on Equity (ROE) | 12.4892% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.1453% | 771 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7911% | 3,116 |
| Assets per employee ($millions) | 4.9076% | 2,635 |
| Cash dividends to net income (ytd only)* | 10.7612% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 1,064 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.5604% | 4,433 |
| Net loans and leases to deposits | 56.1976% | 4,589 |
| Net loans and leases to core deposits | 61.3760% | 4,514 |
| Total domestic deposits to total assets | 89.9689% | 457 |
| Equity capital to assets | 9.7827% | 4,023 |
| Core capital (leverage) ratio | 9.5813% | 4,045 |
| Tier 1 risk-based capital ratio | 17.0690% | 2,087 |
| Total risk-based capital ratio | 18.0432% | 2,128 |
| Memoranda: | ||
| Average total assets | $264,071,500 | 2,410 |
| Average earning assets | $248,300,500 | 2,395 |
| Average equity | $24,405,000 | 2,771 |
| Average total loans | $132,634,500 | 2,875 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 4,705 |
| Cost of funding earning assets | 0.9466% | 935 |
| Net interest margin | 2.7251% | 5,077 |
| Noninterest income to average assets | -0.5141% | 5,398 |
| Noninterest expense to average assets | 2.2195% | 4,291 |
| Loan and lease loss provision to assets | 0.0965% | 2,230 |
| Net operating income to assets | -0.3865% | 5,311 |
| Return on assets (ROA) | -0.4026% | 5,304 |
| Pretax return on assets | -0.3060% | 5,284 |
| Return on Equity (ROE) | -4.4329% | 5,309 |
| Retained earnings to average equity (ytd only) | -5.8864% | 5,265 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5470% | 86 |
| Assets per employee ($millions) | 5.0574% | 2,425 |
| Cash dividends to net income (ytd only)* | -32.7884% | 5,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4908% | 789 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.8733% | 4,585 |
| Net loans and leases to deposits | 53.6531% | 4,763 |
| Net loans and leases to core deposits | 58.5492% | 4,684 |
| Total domestic deposits to total assets | 91.0913% | 180 |
| Equity capital to assets | 8.7169% | 4,787 |
| Core capital (leverage) ratio | 8.9920% | 4,664 |
| Tier 1 risk-based capital ratio | 16.4541% | 2,255 |
| Total risk-based capital ratio | 17.3655% | 2,309 |
| Memoranda: | ||
| Average total assets | $273,489,800 | 2,305 |
| Average earning assets | $254,925,600 | 2,303 |
| Average equity | $24,837,000 | 2,654 |
| Average total loans | $133,497,400 | 2,839 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 4,806 |
| Cost of funding earning assets | 0.9057% | 896 |
| Net interest margin | 2.6942% | 5,169 |
| Noninterest income to average assets | 0.3168% | 4,033 |
| Noninterest expense to average assets | 2.1485% | 4,431 |
| Loan and lease loss provision to assets | 0.0960% | 2,060 |
| Net operating income to assets | 0.4790% | 4,802 |
| Return on assets (ROA) | 0.4613% | 4,843 |
| Pretax return on assets | 0.5574% | 4,807 |
| Return on Equity (ROE) | 5.0306% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.5230% | 4,012 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0997% | 1,337 |
| Assets per employee ($millions) | 4.9942% | 2,472 |
| Cash dividends to net income (ytd only)* | 29.9684% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 3,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6538% | 312 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.6464% | 4,683 |
| Net loans and leases to deposits | 53.5866% | 4,834 |
| Net loans and leases to core deposits | 59.2250% | 4,734 |
| Total domestic deposits to total assets | 90.7809% | 271 |
| Equity capital to assets | 9.0282% | 4,521 |
| Core capital (leverage) ratio | 9.7104% | 3,934 |
| Tier 1 risk-based capital ratio | 17.4382% | 1,956 |
| Total risk-based capital ratio | 18.2850% | 2,040 |
| Memoranda: | ||
| Average total assets | $274,851,750 | 2,310 |
| Average earning assets | $255,706,250 | 2,306 |
| Average equity | $25,205,000 | 2,645 |
| Average total loans | $133,784,750 | 2,859 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,874 |
| Cost of funding earning assets | 0.8361% | 983 |
| Net interest margin | 2.6966% | 5,219 |
| Noninterest income to average assets | 0.2972% | 4,193 |
| Noninterest expense to average assets | 2.1513% | 4,483 |
| Loan and lease loss provision to assets | 0.0955% | 2,020 |
| Net operating income to assets | 0.4708% | 4,820 |
| Return on assets (ROA) | 0.4708% | 4,823 |
| Pretax return on assets | 0.5669% | 4,788 |
| Return on Equity (ROE) | 5.1078% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,102 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4585% | 1,370 |
| Assets per employee ($millions) | 4.8731% | 2,595 |
| Cash dividends to net income (ytd only)* | 43.7788% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6299% | 321 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 48.9164% | 4,666 |
| Net loans and leases to deposits | 53.9986% | 4,843 |
| Net loans and leases to core deposits | 60.3925% | 4,684 |
| Total domestic deposits to total assets | 90.5884% | 365 |
| Equity capital to assets | 9.2614% | 4,323 |
| Core capital (leverage) ratio | 9.3037% | 4,361 |
| Tier 1 risk-based capital ratio | 16.6980% | 2,197 |
| Total risk-based capital ratio | 17.4779% | 2,301 |
| Memoranda: | ||
| Average total assets | $276,572,670 | 2,309 |
| Average earning assets | $258,105,000 | 2,292 |
| Average equity | $25,490,670 | 2,631 |
| Average total loans | $134,221,330 | 2,864 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 5,000 |
| Cost of funding earning assets | 0.7768% | 1,067 |
| Net interest margin | 2.6384% | 5,296 |
| Noninterest income to average assets | 0.3448% | 3,845 |
| Noninterest expense to average assets | 2.1321% | 4,576 |
| Loan and lease loss provision to assets | 0.0948% | 1,929 |
| Net operating income to assets | 0.4957% | 4,709 |
| Return on assets (ROA) | 0.4957% | 4,718 |
| Pretax return on assets | 0.5919% | 4,703 |
| Return on Equity (ROE) | 5.3908% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,797 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6371% | 1,647 |
| Assets per employee ($millions) | 5.2678% | 2,170 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7851% | 306 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 48.0057% | 4,698 |
| Net loans and leases to deposits | 52.9069% | 4,845 |
| Net loans and leases to core deposits | 58.0237% | 4,752 |
| Total domestic deposits to total assets | 90.7363% | 403 |
| Equity capital to assets | 9.0571% | 4,496 |
| Core capital (leverage) ratio | 9.4760% | 4,092 |
| Tier 1 risk-based capital ratio | 16.8379% | 2,166 |
| Total risk-based capital ratio | 17.5876% | 2,289 |
| Memoranda: | ||
| Average total assets | $278,411,000 | 2,314 |
| Average earning assets | $261,071,000 | 2,291 |
| Average equity | $25,599,000 | 2,646 |
| Average total loans | $133,979,000 | 2,886 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3217% | 5,061 |
| Cost of funding earning assets | 0.6176% | 1,488 |
| Net interest margin | 2.7041% | 5,274 |
| Noninterest income to average assets | 0.3934% | 3,681 |
| Noninterest expense to average assets | 2.3631% | 4,170 |
| Loan and lease loss provision to assets | 0.1504% | 1,499 |
| Net operating income to assets | 0.2871% | 4,950 |
| Return on assets (ROA) | 0.2873% | 4,966 |
| Pretax return on assets | 0.3916% | 5,099 |
| Return on Equity (ROE) | 2.9248% | 4,848 |
| Retained earnings to average equity (ytd only) | -0.3031% | 5,087 |
| Net charge-offs to loans | 0.6487% | 339 |
| Credit loss provision to net charge-offs | 48.4994% | 3,346 |
| Earnings coverage of net charge-offs (x) | 1.7467% | 3,857 |
| Efficiency ratio | 81.3557% | 976 |
| Assets per employee ($millions) | 5.2382% | 2,210 |
| Cash dividends to net income (ytd only)* | 110.3627% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8618% | 294 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.4365% | 4,804 |
| Net loans and leases to deposits | 52.4174% | 4,965 |
| Net loans and leases to core deposits | 57.3045% | 4,885 |
| Total domestic deposits to total assets | 90.4976% | 398 |
| Equity capital to assets | 9.3331% | 4,395 |
| Core capital (leverage) ratio | 9.1715% | 4,431 |
| Tier 1 risk-based capital ratio | 16.9368% | 2,119 |
| Total risk-based capital ratio | 17.6557% | 2,228 |
| Memoranda: | ||
| Average total assets | $268,674,600 | 2,358 |
| Average earning assets | $249,511,600 | 2,350 |
| Average equity | $26,394,600 | 2,586 |
| Average total loans | $128,407,400 | 2,937 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 5,163 |
| Cost of funding earning assets | 0.5704% | 1,737 |
| Net interest margin | 2.6868% | 5,335 |
| Noninterest income to average assets | 0.3793% | 3,816 |
| Noninterest expense to average assets | 2.3525% | 4,146 |
| Loan and lease loss provision to assets | 0.1711% | 1,179 |
| Net operating income to assets | 0.3448% | 5,126 |
| Return on assets (ROA) | 0.3453% | 5,144 |
| Pretax return on assets | 0.3453% | 5,268 |
| Return on Equity (ROE) | 3.4696% | 4,987 |
| Retained earnings to average equity (ytd only) | -0.5632% | 5,299 |
| Net charge-offs to loans | 0.8724% | 208 |
| Credit loss provision to net charge-offs | 41.0564% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.2377% | 3,588 |
| Efficiency ratio | 82.0133% | 915 |
| Assets per employee ($millions) | 4.9170% | 2,558 |
| Cash dividends to net income (ytd only)* | 116.2319% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1756% | 273 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.0491% | 4,765 |
| Net loans and leases to deposits | 54.4698% | 4,941 |
| Net loans and leases to core deposits | 60.1040% | 4,813 |
| Total domestic deposits to total assets | 90.0483% | 456 |
| Equity capital to assets | 9.8042% | 4,142 |
| Core capital (leverage) ratio | 9.4992% | 4,171 |
| Tier 1 risk-based capital ratio | 16.8051% | 2,216 |
| Total risk-based capital ratio | 17.4859% | 2,355 |
| Memoranda: | ||
| Average total assets | $266,436,750 | 2,387 |
| Average earning assets | $246,830,500 | 2,385 |
| Average equity | $26,515,500 | 2,596 |
| Average total loans | $127,314,500 | 2,977 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2059% | 5,230 |
| Cost of funding earning assets | 0.5240% | 1,971 |
| Net interest margin | 2.6819% | 5,377 |
| Noninterest income to average assets | 0.3825% | 3,808 |
| Noninterest expense to average assets | 2.3923% | 4,067 |
| Loan and lease loss provision to assets | 0.2127% | 839 |
| Net operating income to assets | 0.2565% | 5,309 |
| Return on assets (ROA) | 0.2573% | 5,328 |
| Pretax return on assets | 0.2573% | 5,383 |
| Return on Equity (ROE) | 2.5720% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.5720% | 4,153 |
| Net charge-offs to loans | 1.3163% | 139 |
| Credit loss provision to net charge-offs | 34.2233% | 2,690 |
| Earnings coverage of net charge-offs (x) | 0.7549% | 3,345 |
| Efficiency ratio | 83.6014% | 875 |
| Assets per employee ($millions) | 5.0011% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 263 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.5617% | 4,847 |
| Net loans and leases to deposits | 53.0581% | 5,012 |
| Net loans and leases to core deposits | 58.5930% | 4,895 |
| Total domestic deposits to total assets | 89.6408% | 667 |
| Equity capital to assets | 10.1988% | 3,668 |
| Core capital (leverage) ratio | 9.6664% | 3,940 |
| Tier 1 risk-based capital ratio | 18.0229% | 1,848 |
| Total risk-based capital ratio | 18.7050% | 1,979 |
| Memoranda: | ||
| Average total assets | $265,104,000 | 2,407 |
| Average earning assets | $245,047,330 | 2,409 |
| Average equity | $26,516,000 | 2,594 |
| Average total loans | $125,197,000 | 3,020 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 5,335 |
| Cost of funding earning assets | 0.5145% | 1,973 |
| Net interest margin | 2.6133% | 5,461 |
| Noninterest income to average assets | 0.3892% | 3,746 |
| Noninterest expense to average assets | 2.4366% | 4,010 |
| Loan and lease loss provision to assets | 0.0453% | 2,893 |
| Net operating income to assets | 0.3138% | 5,158 |
| Return on assets (ROA) | 0.3138% | 5,184 |
| Pretax return on assets | 0.3138% | 5,294 |
| Return on Equity (ROE) | 3.1686% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.1686% | 3,838 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1560% | 720 |
| Assets per employee ($millions) | 4.9502% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,940 |
| Loan loss allowance to noncurrent loans | 1,028.0000% | 593 |
| Noncurrent assets plus other real estate owned to assets | 3.3595% | 262 |
| Noncurrent loans to loans | 0.1196% | 4,710 |
| Net loans and leases to total assets | 47.1964% | 4,877 |
| Net loans and leases to deposits | 52.6098% | 5,004 |
| Net loans and leases to core deposits | 60.1286% | 4,770 |
| Total domestic deposits to total assets | 89.7103% | 788 |
| Equity capital to assets | 10.1026% | 3,619 |
| Core capital (leverage) ratio | 9.8188% | 3,734 |
| Tier 1 risk-based capital ratio | 17.7825% | 1,945 |
| Total risk-based capital ratio | 18.8569% | 1,954 |
| Memoranda: | ||
| Average total assets | $265,126,000 | 2,429 |
| Average earning assets | $244,135,000 | 2,444 |
| Average equity | $26,257,500 | 2,617 |
| Average total loans | $124,276,500 | 3,048 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 5,285 |
| Cost of funding earning assets | 0.4657% | 2,393 |
| Net interest margin | 2.7460% | 5,363 |
| Noninterest income to average assets | 0.1347% | 5,512 |
| Noninterest expense to average assets | 2.6045% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0393% | 5,615 |
| Return on assets (ROA) | 0.1935% | 5,478 |
| Pretax return on assets | 0.1935% | 5,503 |
| Return on Equity (ROE) | 1.9023% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.9023% | 4,450 |
| Net charge-offs to loans | -0.0138% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5133% | 241 |
| Assets per employee ($millions) | 4.8708% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,952 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 590 |
| Noncurrent assets plus other real estate owned to assets | 3.3614% | 268 |
| Noncurrent loans to loans | 0.1193% | 4,757 |
| Net loans and leases to total assets | 45.4193% | 5,048 |
| Net loans and leases to deposits | 50.3853% | 5,193 |
| Net loans and leases to core deposits | 55.3874% | 5,075 |
| Total domestic deposits to total assets | 90.1438% | 584 |
| Equity capital to assets | 9.7091% | 4,053 |
| Core capital (leverage) ratio | 9.5186% | 4,058 |
| Tier 1 risk-based capital ratio | 18.1032% | 1,825 |
| Total risk-based capital ratio | 19.1844% | 1,828 |
| Memoranda: | ||
| Average total assets | $262,050,400 | 2,421 |
| Average earning assets | $239,442,000 | 2,445 |
| Average equity | $26,651,600 | 2,592 |
| Average total loans | $123,450,000 | 3,022 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2410% | 5,299 |
| Cost of funding earning assets | 0.4541% | 2,518 |
| Net interest margin | 2.7868% | 5,374 |
| Noninterest income to average assets | 0.0481% | 5,842 |
| Noninterest expense to average assets | 2.5935% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0020% | 5,721 |
| Return on assets (ROA) | 0.2047% | 5,518 |
| Pretax return on assets | 0.2047% | 5,561 |
| Return on Equity (ROE) | 1.9891% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.9891% | 4,690 |
| Net charge-offs to loans | -0.0184% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0790% | 223 |
| Assets per employee ($millions) | 4.8664% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.7978% | 234 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.9955% | 4,958 |
| Net loans and leases to deposits | 53.6200% | 5,134 |
| Net loans and leases to core deposits | 59.2776% | 4,979 |
| Total domestic deposits to total assets | 89.5104% | 667 |
| Equity capital to assets | 10.3328% | 3,767 |
| Core capital (leverage) ratio | 9.6291% | 4,025 |
| Tier 1 risk-based capital ratio | 17.6516% | 2,026 |
| Total risk-based capital ratio | 18.7104% | 2,054 |
| Memoranda: | ||
| Average total assets | $260,589,750 | 2,445 |
| Average earning assets | $237,825,250 | 2,455 |
| Average equity | $26,812,000 | 2,600 |
| Average total loans | $123,515,750 | 3,021 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2320% | 5,386 |
| Cost of funding earning assets | 0.4379% | 2,672 |
| Net interest margin | 2.7941% | 5,432 |
| Noninterest income to average assets | 0.3279% | 4,434 |
| Noninterest expense to average assets | 2.5676% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3040% | 5,311 |
| Return on assets (ROA) | 0.3163% | 5,359 |
| Pretax return on assets | 0.3163% | 5,479 |
| Return on Equity (ROE) | 3.0788% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.0788% | 3,950 |
| Net charge-offs to loans | -0.0180% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4130% | 630 |
| Assets per employee ($millions) | 4.8991% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0408% | 217 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.7247% | 5,011 |
| Net loans and leases to deposits | 53.3079% | 5,173 |
| Net loans and leases to core deposits | 58.9721% | 5,025 |
| Total domestic deposits to total assets | 89.5265% | 669 |
| Equity capital to assets | 10.2962% | 3,865 |
| Core capital (leverage) ratio | 9.5368% | 4,154 |
| Tier 1 risk-based capital ratio | 17.0942% | 2,181 |
| Total risk-based capital ratio | 18.1157% | 2,225 |
| Memoranda: | ||
| Average total assets | $259,858,000 | 2,457 |
| Average earning assets | $236,570,000 | 2,484 |
| Average equity | $26,698,330 | 2,616 |
| Average total loans | $122,142,000 | 3,045 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,435 |
| Cost of funding earning assets | 0.4246% | 2,823 |
| Net interest margin | 2.8111% | 5,457 |
| Noninterest income to average assets | 0.3184% | 4,448 |
| Noninterest expense to average assets | 2.5661% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3029% | 5,297 |
| Return on assets (ROA) | 0.3029% | 5,379 |
| Pretax return on assets | 0.3029% | 5,504 |
| Return on Equity (ROE) | 2.9514% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.9514% | 4,040 |
| Net charge-offs to loans | -0.0201% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4423% | 708 |
| Assets per employee ($millions) | 4.7779% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3131% | 217 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.8962% | 5,124 |
| Net loans and leases to deposits | 51.2069% | 5,264 |
| Net loans and leases to core deposits | 56.7221% | 5,101 |
| Total domestic deposits to total assets | 89.6290% | 765 |
| Equity capital to assets | 10.1951% | 3,845 |
| Core capital (leverage) ratio | 9.8920% | 3,670 |
| Tier 1 risk-based capital ratio | 17.6666% | 2,081 |
| Total risk-based capital ratio | 18.7264% | 2,100 |
| Memoranda: | ||
| Average total assets | $257,510,500 | 2,482 |
| Average earning assets | $233,646,000 | 2,516 |
| Average equity | $26,428,000 | 2,635 |
| Average total loans | $119,331,000 | 3,095 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 5,514 |
| Cost of funding earning assets | 0.4055% | 3,095 |
| Net interest margin | 2.7980% | 5,515 |
| Noninterest income to average assets | -0.0245% | 6,124 |
| Noninterest expense to average assets | 2.9949% | 2,565 |
| Loan and lease loss provision to assets | 0.0079% | 4,238 |
| Net operating income to assets | -0.5270% | 6,051 |
| Return on assets (ROA) | -0.4891% | 6,052 |
| Pretax return on assets | -0.4891% | 6,043 |
| Return on Equity (ROE) | -4.6172% | 6,041 |
| Retained earnings to average equity (ytd only) | -4.6172% | 5,899 |
| Net charge-offs to loans | -0.1200% | 5,827 |
| Credit loss provision to net charge-offs | -13.6054% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9662% | 88 |
| Assets per employee ($millions) | 4.6711% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 3,004 |
| Loan loss allowance to noncurrent loans | 1,845.6790% | 355 |
| Noncurrent assets plus other real estate owned to assets | 4.7253% | 190 |
| Noncurrent loans to loans | 0.0695% | 5,238 |
| Net loans and leases to total assets | 45.6155% | 5,185 |
| Net loans and leases to deposits | 50.9422% | 5,340 |
| Net loans and leases to core deposits | 55.0358% | 5,254 |
| Total domestic deposits to total assets | 89.5436% | 829 |
| Equity capital to assets | 10.3335% | 3,591 |
| Core capital (leverage) ratio | 9.6903% | 3,921 |
| Tier 1 risk-based capital ratio | 17.9067% | 1,991 |
| Total risk-based capital ratio | 18.9858% | 1,995 |
| Memoranda: | ||
| Average total assets | $253,326,800 | 2,480 |
| Average earning assets | $226,377,200 | 2,535 |
| Average equity | $26,834,200 | 2,564 |
| Average total loans | $122,528,200 | 3,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1997% | 5,586 |
| Cost of funding earning assets | 0.4001% | 3,224 |
| Net interest margin | 2.7996% | 5,579 |
| Noninterest income to average assets | -0.2145% | 6,251 |
| Noninterest expense to average assets | 2.8128% | 3,139 |
| Loan and lease loss provision to assets | 0.0105% | 4,059 |
| Net operating income to assets | -0.5399% | 6,146 |
| Return on assets (ROA) | -0.5105% | 6,143 |
| Pretax return on assets | -0.5105% | 6,137 |
| Return on Equity (ROE) | -4.7902% | 6,133 |
| Retained earnings to average equity (ytd only) | -4.7902% | 6,018 |
| Net charge-offs to loans | -0.1570% | 5,931 |
| Credit loss provision to net charge-offs | -13.6986% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1867% | 90 |
| Assets per employee ($millions) | 4.6560% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9340% | 202 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.9928% | 5,079 |
| Net loans and leases to deposits | 53.6332% | 5,272 |
| Net loans and leases to core deposits | 57.6327% | 5,210 |
| Total domestic deposits to total assets | 89.4834% | 781 |
| Equity capital to assets | 10.4053% | 3,701 |
| Core capital (leverage) ratio | 10.0285% | 3,582 |
| Tier 1 risk-based capital ratio | 17.1276% | 2,325 |
| Total risk-based capital ratio | 18.1474% | 2,367 |
| Memoranda: | ||
| Average total assets | $253,598,750 | 2,497 |
| Average earning assets | $226,263,500 | 2,558 |
| Average equity | $27,026,500 | 2,558 |
| Average total loans | $124,021,500 | 3,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 5,598 |
| Cost of funding earning assets | 0.3955% | 3,324 |
| Net interest margin | 2.8182% | 5,576 |
| Noninterest income to average assets | -0.5285% | 6,335 |
| Noninterest expense to average assets | 2.8081% | 3,202 |
| Loan and lease loss provision to assets | 0.0158% | 3,809 |
| Net operating income to assets | -0.8490% | 6,249 |
| Return on assets (ROA) | -0.8332% | 6,250 |
| Pretax return on assets | -0.8332% | 6,238 |
| Return on Equity (ROE) | -7.7560% | 6,233 |
| Retained earnings to average equity (ytd only) | -7.7560% | 6,122 |
| Net charge-offs to loans | -0.2228% | 6,051 |
| Credit loss provision to net charge-offs | -14.4928% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1875% | 56 |
| Assets per employee ($millions) | 4.6300% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.0620% | 214 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.6267% | 5,043 |
| Net loans and leases to deposits | 54.3850% | 5,230 |
| Net loans and leases to core deposits | 58.4374% | 5,170 |
| Total domestic deposits to total assets | 89.4120% | 945 |
| Equity capital to assets | 10.4392% | 3,509 |
| Core capital (leverage) ratio | 10.0842% | 3,486 |
| Tier 1 risk-based capital ratio | 17.8645% | 2,107 |
| Total risk-based capital ratio | 18.8956% | 2,124 |
| Memoranda: | ||
| Average total assets | $252,771,670 | 2,528 |
| Average earning assets | $224,544,330 | 2,587 |
| Average equity | $27,153,330 | 2,553 |
| Average total loans | $123,897,670 | 3,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2452% | 5,566 |
| Cost of funding earning assets | 0.3878% | 3,438 |
| Net interest margin | 2.8574% | 5,535 |
| Noninterest income to average assets | 0.3919% | 4,067 |
| Noninterest expense to average assets | 2.7228% | 3,511 |
| Loan and lease loss provision to assets | 0.0315% | 3,262 |
| Net operating income to assets | 0.1542% | 5,779 |
| Return on assets (ROA) | 0.1542% | 5,851 |
| Pretax return on assets | 0.1542% | 5,892 |
| Return on Equity (ROE) | 1.4162% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.4162% | 4,918 |
| Net charge-offs to loans | -0.2799% | 6,129 |
| Credit loss provision to net charge-offs | -22.9885% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6147% | 613 |
| Assets per employee ($millions) | 4.6946% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.0961% | 127 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.0099% | 5,031 |
| Net loans and leases to deposits | 54.0154% | 5,188 |
| Net loans and leases to core deposits | 57.2973% | 5,167 |
| Total domestic deposits to total assets | 88.8819% | 1,343 |
| Equity capital to assets | 10.9784% | 2,992 |
| Core capital (leverage) ratio | 10.7141% | 2,736 |
| Tier 1 risk-based capital ratio | 17.9206% | 2,163 |
| Total risk-based capital ratio | 18.8766% | 2,224 |
| Memoranda: | ||
| Average total assets | $254,148,000 | 2,522 |
| Average earning assets | $223,838,500 | 2,607 |
| Average equity | $27,680,000 | 2,525 |
| Average total loans | $124,316,000 | 3,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 5,562 |
| Cost of funding earning assets | 0.3842% | 3,856 |
| Net interest margin | 3.0002% | 5,451 |
| Noninterest income to average assets | 0.3554% | 4,557 |
| Noninterest expense to average assets | 2.9076% | 3,127 |
| Loan and lease loss provision to assets | 0.0156% | 4,297 |
| Net operating income to assets | 0.0825% | 5,976 |
| Return on assets (ROA) | 0.1474% | 5,925 |
| Pretax return on assets | 0.1474% | 5,940 |
| Return on Equity (ROE) | 1.4114% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.4114% | 5,134 |
| Net charge-offs to loans | 0.5694% | 711 |
| Credit loss provision to net charge-offs | 5.2910% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.3320% | 4,660 |
| Efficiency ratio | 96.7352% | 477 |
| Assets per employee ($millions) | 4.7183% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,775 |
| Loan loss allowance to noncurrent loans | 3,905.8824% | 196 |
| Noncurrent assets plus other real estate owned to assets | 7.2161% | 137 |
| Noncurrent loans to loans | 0.0271% | 5,781 |
| Net loans and leases to total assets | 48.7311% | 5,095 |
| Net loans and leases to deposits | 54.7389% | 5,271 |
| Net loans and leases to core deposits | 58.2931% | 5,246 |
| Total domestic deposits to total assets | 89.0247% | 1,222 |
| Equity capital to assets | 10.8046% | 3,112 |
| Core capital (leverage) ratio | 10.4811% | 2,969 |
| Tier 1 risk-based capital ratio | 18.9290% | 1,870 |
| Total risk-based capital ratio | 19.8585% | 1,924 |
| Memoranda: | ||
| Average total assets | $255,774,800 | 2,474 |
| Average earning assets | $225,950,600 | 2,565 |
| Average equity | $26,711,600 | 2,513 |
| Average total loans | $132,761,200 | 2,811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3884% | 5,615 |
| Cost of funding earning assets | 0.3807% | 4,009 |
| Net interest margin | 3.0077% | 5,489 |
| Noninterest income to average assets | 0.3375% | 4,738 |
| Noninterest expense to average assets | 2.8487% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1505% | 5,944 |
| Return on assets (ROA) | 0.2370% | 5,821 |
| Pretax return on assets | 0.2370% | 5,892 |
| Return on Equity (ROE) | 2.2886% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.2886% | 4,915 |
| Net charge-offs to loans | 0.4983% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5745% | 4,357 |
| Efficiency ratio | 94.9818% | 547 |
| Assets per employee ($millions) | 4.7947% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,306 |
| Loan loss allowance to noncurrent loans | 126.9357% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 7.5839% | 148 |
| Noncurrent loans to loans | 0.9338% | 3,225 |
| Net loans and leases to total assets | 50.5521% | 4,941 |
| Net loans and leases to deposits | 56.7311% | 5,190 |
| Net loans and leases to core deposits | 60.4160% | 5,162 |
| Total domestic deposits to total assets | 89.1082% | 1,177 |
| Equity capital to assets | 10.6643% | 3,349 |
| Core capital (leverage) ratio | 10.7994% | 2,696 |
| Tier 1 risk-based capital ratio | 18.7129% | 1,985 |
| Total risk-based capital ratio | 19.7672% | 2,009 |
| Memoranda: | ||
| Average total assets | $256,021,000 | 2,490 |
| Average earning assets | $226,571,500 | 2,573 |
| Average equity | $26,507,250 | 2,530 |
| Average total loans | $134,579,000 | 2,796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 5,469 |
| Cost of funding earning assets | 0.3756% | 4,156 |
| Net interest margin | 3.0965% | 5,262 |
| Noninterest income to average assets | 0.2836% | 5,153 |
| Noninterest expense to average assets | 2.8326% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1940% | 5,854 |
| Return on assets (ROA) | 0.3000% | 5,635 |
| Pretax return on assets | 0.3000% | 5,779 |
| Return on Equity (ROE) | 2.9267% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.9267% | 4,341 |
| Net charge-offs to loans | 0.5613% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6518% | 4,004 |
| Efficiency ratio | 93.5891% | 662 |
| Assets per employee ($millions) | 4.6515% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,148 |
| Loan loss allowance to noncurrent loans | 119.7406% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 7.5815% | 152 |
| Noncurrent loans to loans | 1.0452% | 3,139 |
| Net loans and leases to total assets | 51.2580% | 4,827 |
| Net loans and leases to deposits | 57.4481% | 5,087 |
| Net loans and leases to core deposits | 61.2214% | 5,036 |
| Total domestic deposits to total assets | 89.2250% | 1,234 |
| Equity capital to assets | 10.5428% | 3,390 |
| Core capital (leverage) ratio | 10.5326% | 2,907 |
| Tier 1 risk-based capital ratio | 18.0123% | 2,236 |
| Total risk-based capital ratio | 19.1096% | 2,259 |
| Memoranda: | ||
| Average total assets | $256,655,330 | 2,488 |
| Average earning assets | $227,355,000 | 2,571 |
| Average equity | $26,309,670 | 2,541 |
| Average total loans | $136,104,330 | 2,777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 5,324 |
| Cost of funding earning assets | 0.3716% | 4,298 |
| Net interest margin | 3.1706% | 5,013 |
| Noninterest income to average assets | 0.3330% | 4,711 |
| Noninterest expense to average assets | 2.8989% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2490% | 5,666 |
| Return on assets (ROA) | 0.2552% | 5,688 |
| Pretax return on assets | 0.2552% | 5,814 |
| Return on Equity (ROE) | 2.5252% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.5252% | 4,552 |
| Net charge-offs to loans | -0.0377% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0910% | 878 |
| Assets per employee ($millions) | 4.5570% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 3,162 |
| Loan loss allowance to noncurrent loans | 12,856.2500% | 65 |
| Noncurrent assets plus other real estate owned to assets | 6.0237% | 279 |
| Noncurrent loans to loans | 0.0116% | 6,138 |
| Net loans and leases to total assets | 53.1088% | 4,535 |
| Net loans and leases to deposits | 59.3688% | 4,817 |
| Net loans and leases to core deposits | 62.2995% | 4,847 |
| Total domestic deposits to total assets | 89.4558% | 1,391 |
| Equity capital to assets | 10.3016% | 3,470 |
| Core capital (leverage) ratio | 10.6303% | 2,779 |
| Tier 1 risk-based capital ratio | 17.4559% | 2,488 |
| Total risk-based capital ratio | 18.7035% | 2,461 |
| Memoranda: | ||
| Average total assets | $257,066,500 | 2,488 |
| Average earning assets | $228,222,500 | 2,575 |
| Average equity | $25,978,500 | 2,553 |
| Average total loans | $137,758,000 | 2,765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 5,530 |
| Cost of funding earning assets | 0.4193% | 4,437 |
| Net interest margin | 3.1331% | 5,216 |
| Noninterest income to average assets | 0.0928% | 6,412 |
| Noninterest expense to average assets | 2.7710% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0775% | 6,084 |
| Return on assets (ROA) | 0.0994% | 6,096 |
| Pretax return on assets | 0.0994% | 6,090 |
| Return on Equity (ROE) | 0.9739% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.9739% | 5,403 |
| Net charge-offs to loans | 0.1509% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9340% | 4,771 |
| Efficiency ratio | 97.2787% | 576 |
| Assets per employee ($millions) | 4.5428% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,274 |
| Loan loss allowance to noncurrent loans | 12,775.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 5.9883% | 322 |
| Noncurrent loans to loans | 0.0116% | 6,245 |
| Net loans and leases to total assets | 52.4774% | 4,789 |
| Net loans and leases to deposits | 58.4030% | 5,087 |
| Net loans and leases to core deposits | 60.9908% | 5,145 |
| Total domestic deposits to total assets | 89.8540% | 1,154 |
| Equity capital to assets | 9.9127% | 3,883 |
| Core capital (leverage) ratio | 10.2044% | 3,288 |
| Tier 1 risk-based capital ratio | 17.3589% | 2,471 |
| Total risk-based capital ratio | 18.5845% | 2,453 |
| Memoranda: | ||
| Average total assets | $255,433,000 | 2,481 |
| Average earning assets | $224,666,200 | 2,573 |
| Average equity | $26,080,200 | 2,535 |
| Average total loans | $140,446,800 | 2,689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 5,507 |
| Cost of funding earning assets | 0.4317% | 4,491 |
| Net interest margin | 3.1454% | 5,162 |
| Noninterest income to average assets | -0.0372% | 6,785 |
| Noninterest expense to average assets | 2.7310% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0089% | 6,307 |
| Return on assets (ROA) | 0.0204% | 6,326 |
| Pretax return on assets | 0.0204% | 6,303 |
| Return on Equity (ROE) | 0.1986% | 6,323 |
| Retained earnings to average equity (ytd only) | 0.1986% | 5,874 |
| Net charge-offs to loans | 0.1597% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.1006% | 4,884 |
| Efficiency ratio | 100.3271% | 456 |
| Assets per employee ($millions) | 4.5436% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 3,477 |
| Loan loss allowance to noncurrent loans | 1,038.3085% | 452 |
| Noncurrent assets plus other real estate owned to assets | 5.9771% | 407 |
| Noncurrent loans to loans | 0.1440% | 5,892 |
| Net loans and leases to total assets | 53.0922% | 4,737 |
| Net loans and leases to deposits | 59.1183% | 5,082 |
| Net loans and leases to core deposits | 61.2921% | 5,183 |
| Total domestic deposits to total assets | 89.8068% | 1,100 |
| Equity capital to assets | 9.9314% | 4,004 |
| Core capital (leverage) ratio | 10.6016% | 2,889 |
| Tier 1 risk-based capital ratio | 17.1822% | 2,632 |
| Total risk-based capital ratio | 18.3871% | 2,615 |
| Memoranda: | ||
| Average total assets | $254,556,250 | 2,503 |
| Average earning assets | $223,307,750 | 2,597 |
| Average equity | $26,183,250 | 2,569 |
| Average total loans | $141,076,250 | 2,694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 5,426 |
| Cost of funding earning assets | 0.4451% | 4,486 |
| Net interest margin | 3.1563% | 5,102 |
| Noninterest income to average assets | -0.2924% | 6,886 |
| Noninterest expense to average assets | 2.8394% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3746% | 6,593 |
| Return on assets (ROA) | -0.3327% | 6,599 |
| Pretax return on assets | -0.3327% | 6,569 |
| Return on Equity (ROE) | -3.1970% | 6,592 |
| Retained earnings to average equity (ytd only) | -3.1970% | 6,332 |
| Net charge-offs to loans | 0.2515% | 2,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.6629% | 4,786 |
| Efficiency ratio | 115.1972% | 220 |
| Assets per employee ($millions) | 4.2949% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,560 |
| Loan loss allowance to noncurrent loans | 3,848.1481% | 170 |
| Noncurrent assets plus other real estate owned to assets | 6.3299% | 413 |
| Noncurrent loans to loans | 0.0391% | 6,280 |
| Net loans and leases to total assets | 55.5096% | 4,373 |
| Net loans and leases to deposits | 62.0869% | 4,730 |
| Net loans and leases to core deposits | 64.5681% | 4,834 |
| Total domestic deposits to total assets | 89.4064% | 1,375 |
| Equity capital to assets | 10.2011% | 3,658 |
| Core capital (leverage) ratio | 10.3203% | 3,079 |
| Tier 1 risk-based capital ratio | 17.0851% | 2,684 |
| Total risk-based capital ratio | 18.3237% | 2,656 |
| Memoranda: | ||
| Average total assets | $253,079,330 | 2,528 |
| Average earning assets | $221,080,000 | 2,630 |
| Average equity | $26,337,330 | 2,555 |
| Average total loans | $141,572,000 | 2,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 5,253 |
| Cost of funding earning assets | 0.4533% | 4,557 |
| Net interest margin | 3.2158% | 4,868 |
| Noninterest income to average assets | -0.5210% | 6,986 |
| Noninterest expense to average assets | 2.9205% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6500% | 6,727 |
| Return on assets (ROA) | -0.6267% | 6,735 |
| Pretax return on assets | -0.6267% | 6,708 |
| Return on Equity (ROE) | -5.9661% | 6,717 |
| Retained earnings to average equity (ytd only) | -5.9661% | 6,417 |
| Net charge-offs to loans | 0.5161% | 1,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.2595% | 4,029 |
| Efficiency ratio | 128.6301% | 159 |
| Assets per employee ($millions) | 4.5324% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 3,929 |
| Loan loss allowance to noncurrent loans | 1,642.8571% | 313 |
| Noncurrent assets plus other real estate owned to assets | 7.5090% | 356 |
| Noncurrent loans to loans | 0.0895% | 6,209 |
| Net loans and leases to total assets | 53.6666% | 4,466 |
| Net loans and leases to deposits | 60.0733% | 4,788 |
| Net loans and leases to core deposits | 62.7191% | 4,884 |
| Total domestic deposits to total assets | 89.3352% | 1,462 |
| Equity capital to assets | 10.3075% | 3,788 |
| Core capital (leverage) ratio | 10.3659% | 2,945 |
| Tier 1 risk-based capital ratio | 16.8134% | 2,853 |
| Total risk-based capital ratio | 18.0623% | 2,817 |
| Memoranda: | ||
| Average total assets | $257,215,000 | 2,521 |
| Average earning assets | $223,271,500 | 2,635 |
| Average equity | $27,019,500 | 2,519 |
| Average total loans | $143,373,000 | 2,673 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 5,286 |
| Cost of funding earning assets | 0.6253% | 4,133 |
| Net interest margin | 3.3786% | 4,963 |
| Noninterest income to average assets | 0.4293% | 4,384 |
| Noninterest expense to average assets | 3.0684% | 3,017 |
| Loan and lease loss provision to assets | 0.0575% | 5,056 |
| Net operating income to assets | 0.2277% | 5,707 |
| Return on assets (ROA) | 0.3967% | 5,354 |
| Pretax return on assets | 0.3967% | 5,589 |
| Return on Equity (ROE) | 3.8504% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.8504% | 3,488 |
| Net charge-offs to loans | 0.5300% | 2,138 |
| Credit loss provision to net charge-offs | 17.6678% | 5,310 |
| Earnings coverage of net charge-offs (x) | 0.8763% | 5,033 |
| Efficiency ratio | 91.4962% | 956 |
| Assets per employee ($millions) | 4.3404% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.5702% | 306 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.1435% | 4,267 |
| Net loans and leases to deposits | 63.0974% | 4,651 |
| Net loans and leases to core deposits | 65.8118% | 4,756 |
| Total domestic deposits to total assets | 88.9790% | 1,576 |
| Equity capital to assets | 10.7035% | 3,280 |
| Core capital (leverage) ratio | 10.2340% | 3,093 |
| Tier 1 risk-based capital ratio | 16.3471% | 2,969 |
| Total risk-based capital ratio | 17.6025% | 2,922 |
| Memoranda: | ||
| Average total assets | $260,881,400 | 2,427 |
| Average earning assets | $225,803,600 | 2,563 |
| Average equity | $26,880,400 | 2,492 |
| Average total loans | $160,192,800 | 2,427 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 5,319 |
| Cost of funding earning assets | 0.6608% | 4,095 |
| Net interest margin | 3.4015% | 5,029 |
| Noninterest income to average assets | 0.3205% | 5,222 |
| Noninterest expense to average assets | 3.0560% | 3,035 |
| Loan and lease loss provision to assets | 0.0254% | 5,466 |
| Net operating income to assets | 0.1852% | 5,953 |
| Return on assets (ROA) | 0.3648% | 5,592 |
| Pretax return on assets | 0.3648% | 5,802 |
| Return on Equity (ROE) | 3.5740% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.5740% | 4,360 |
| Net charge-offs to loans | 0.5676% | 1,914 |
| Credit loss provision to net charge-offs | 7.1736% | 5,107 |
| Earnings coverage of net charge-offs (x) | 0.5940% | 5,020 |
| Efficiency ratio | 93.5524% | 806 |
| Assets per employee ($millions) | 4.3409% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,832 |
| Loan loss allowance to noncurrent loans | 96.1667% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 8.7589% | 319 |
| Noncurrent loans to loans | 1.5875% | 3,406 |
| Net loans and leases to total assets | 58.1287% | 4,115 |
| Net loans and leases to deposits | 65.3414% | 4,555 |
| Net loans and leases to core deposits | 68.2831% | 4,699 |
| Total domestic deposits to total assets | 88.9616% | 1,453 |
| Equity capital to assets | 10.6592% | 3,653 |
| Core capital (leverage) ratio | 10.3125% | 3,147 |
| Tier 1 risk-based capital ratio | 15.8583% | 3,342 |
| Total risk-based capital ratio | 17.1102% | 3,316 |
| Memoranda: | ||
| Average total assets | $262,080,500 | 2,436 |
| Average earning assets | $226,995,250 | 2,562 |
| Average equity | $26,748,000 | 2,520 |
| Average total loans | $163,733,250 | 2,408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 5,230 |
| Cost of funding earning assets | 0.6956% | 4,050 |
| Net interest margin | 3.4280% | 4,980 |
| Noninterest income to average assets | 0.4605% | 4,204 |
| Noninterest expense to average assets | 3.0469% | 3,105 |
| Loan and lease loss provision to assets | 0.0379% | 5,202 |
| Net operating income to assets | 0.3393% | 5,469 |
| Return on assets (ROA) | 0.4476% | 5,277 |
| Pretax return on assets | 0.4476% | 5,583 |
| Return on Equity (ROE) | 4.4496% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,642 |
| Net charge-offs to loans | 0.1894% | 3,445 |
| Credit loss provision to net charge-offs | 31.4465% | 4,417 |
| Earnings coverage of net charge-offs (x) | 3.1321% | 3,493 |
| Efficiency ratio | 88.9847% | 1,149 |
| Assets per employee ($millions) | 4.4173% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 2,956 |
| Loan loss allowance to noncurrent loans | 119.1792% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 9.2822% | 311 |
| Noncurrent loans to loans | 1.4841% | 3,684 |
| Net loans and leases to total assets | 60.6470% | 3,694 |
| Net loans and leases to deposits | 68.5193% | 4,119 |
| Net loans and leases to core deposits | 71.2617% | 4,384 |
| Total domestic deposits to total assets | 88.5108% | 1,805 |
| Equity capital to assets | 10.3531% | 3,875 |
| Core capital (leverage) ratio | 9.9037% | 3,566 |
| Tier 1 risk-based capital ratio | 14.7820% | 3,905 |
| Total risk-based capital ratio | 16.0352% | 3,872 |
| Memoranda: | ||
| Average total assets | $264,068,670 | 2,422 |
| Average earning assets | $228,297,670 | 2,541 |
| Average equity | $26,564,000 | 2,524 |
| Average total loans | $167,916,000 | 2,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 5,177 |
| Cost of funding earning assets | 0.7590% | 3,795 |
| Net interest margin | 3.4198% | 5,031 |
| Noninterest income to average assets | 0.4756% | 4,100 |
| Noninterest expense to average assets | 3.1483% | 2,765 |
| Loan and lease loss provision to assets | 0.0752% | 4,457 |
| Net operating income to assets | 0.2152% | 5,941 |
| Return on assets (ROA) | 0.2182% | 6,071 |
| Pretax return on assets | 0.2182% | 6,161 |
| Return on Equity (ROE) | 2.2007% | 6,004 |
| Retained earnings to average equity (ytd only) | 2.2007% | 5,161 |
| Net charge-offs to loans | 0.3080% | 2,428 |
| Credit loss provision to net charge-offs | 37.8788% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.4621% | 3,593 |
| Efficiency ratio | 91.5536% | 976 |
| Assets per employee ($millions) | 4.4735% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 3,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.2960% | 453 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 62.2659% | 3,205 |
| Net loans and leases to deposits | 70.7066% | 3,628 |
| Net loans and leases to core deposits | 73.4604% | 3,968 |
| Total domestic deposits to total assets | 88.0623% | 2,274 |
| Equity capital to assets | 9.9960% | 4,127 |
| Core capital (leverage) ratio | 9.6820% | 3,795 |
| Tier 1 risk-based capital ratio | 13.9328% | 4,512 |
| Total risk-based capital ratio | 15.1858% | 4,482 |
| Memoranda: | ||
| Average total assets | $265,794,000 | 2,421 |
| Average earning assets | $230,302,500 | 2,530 |
| Average equity | $26,355,000 | 2,542 |
| Average total loans | $171,422,500 | 2,343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 4,513 |
| Cost of funding earning assets | 1.0704% | 2,879 |
| Net interest margin | 3.5676% | 4,855 |
| Noninterest income to average assets | 0.1486% | 6,404 |
| Noninterest expense to average assets | 3.0856% | 3,250 |
| Loan and lease loss provision to assets | 0.3446% | 2,940 |
| Net operating income to assets | -0.1464% | 6,201 |
| Return on assets (ROA) | 0.1840% | 5,769 |
| Pretax return on assets | 0.1840% | 5,824 |
| Return on Equity (ROE) | 2.0880% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.0880% | 4,726 |
| Net charge-offs to loans | 1.2870% | 1,285 |
| Credit loss provision to net charge-offs | 37.6169% | 5,669 |
| Earnings coverage of net charge-offs (x) | 0.2163% | 5,669 |
| Efficiency ratio | 93.9648% | 923 |
| Assets per employee ($millions) | 4.4609% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 3,267 |
| Loan loss allowance to noncurrent loans | 172.7060% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 8.2858% | 467 |
| Noncurrent loans to loans | 0.9742% | 4,762 |
| Net loans and leases to total assets | 64.5147% | 3,078 |
| Net loans and leases to deposits | 74.4084% | 3,437 |
| Net loans and leases to core deposits | 77.6245% | 3,727 |
| Total domestic deposits to total assets | 86.7036% | 2,914 |
| Equity capital to assets | 9.8363% | 4,389 |
| Core capital (leverage) ratio | 9.7649% | 3,653 |
| Tier 1 risk-based capital ratio | 13.7844% | 4,492 |
| Total risk-based capital ratio | 15.0387% | 4,447 |
| Memoranda: | ||
| Average total assets | $268,444,600 | 2,350 |
| Average earning assets | $235,899,200 | 2,443 |
| Average equity | $23,659,200 | 2,710 |
| Average total loans | $191,058,200 | 2,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 4,198 |
| Cost of funding earning assets | 1.1485% | 2,641 |
| Net interest margin | 3.6096% | 4,727 |
| Noninterest income to average assets | -0.1320% | 7,233 |
| Noninterest expense to average assets | 2.8190% | 4,272 |
| Loan and lease loss provision to assets | 0.4591% | 2,166 |
| Net operating income to assets | -0.2313% | 6,419 |
| Return on assets (ROA) | 0.1380% | 5,996 |
| Pretax return on assets | 0.1380% | 6,031 |
| Return on Equity (ROE) | 1.6121% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.6121% | 5,334 |
| Net charge-offs to loans | 1.6779% | 827 |
| Credit loss provision to net charge-offs | 37.7089% | 5,287 |
| Earnings coverage of net charge-offs (x) | 0.1871% | 5,456 |
| Efficiency ratio | 92.5232% | 996 |
| Assets per employee ($millions) | 4.3424% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,738 |
| Loan loss allowance to noncurrent loans | 140.2653% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 8.5555% | 485 |
| Noncurrent loans to loans | 1.1295% | 4,656 |
| Net loans and leases to total assets | 71.7934% | 1,759 |
| Net loans and leases to deposits | 82.3148% | 2,300 |
| Net loans and leases to core deposits | 85.4974% | 2,849 |
| Total domestic deposits to total assets | 87.2181% | 2,519 |
| Equity capital to assets | 9.0426% | 5,700 |
| Core capital (leverage) ratio | 8.6846% | 5,433 |
| Tier 1 risk-based capital ratio | 11.8045% | 6,033 |
| Total risk-based capital ratio | 13.0629% | 6,016 |
| Memoranda: | ||
| Average total assets | $268,642,750 | 2,364 |
| Average earning assets | $236,583,750 | 2,443 |
| Average equity | $22,992,250 | 2,779 |
| Average total loans | $194,915,250 | 2,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 4,275 |
| Cost of funding earning assets | 1.2079% | 2,525 |
| Net interest margin | 3.5462% | 4,938 |
| Noninterest income to average assets | 0.2507% | 5,856 |
| Noninterest expense to average assets | 2.6848% | 4,880 |
| Loan and lease loss provision to assets | 0.4216% | 2,322 |
| Net operating income to assets | 0.2933% | 5,393 |
| Return on assets (ROA) | 0.2933% | 5,535 |
| Pretax return on assets | 0.2933% | 5,683 |
| Return on Equity (ROE) | 3.4883% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.4883% | 4,030 |
| Net charge-offs to loans | 0.7986% | 1,905 |
| Credit loss provision to net charge-offs | 72.8771% | 3,986 |
| Earnings coverage of net charge-offs (x) | 1.2357% | 4,363 |
| Efficiency ratio | 78.9735% | 2,561 |
| Assets per employee ($millions) | 4.3996% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2198% | 1,879 |
| Loan loss allowance to noncurrent loans | 83.1227% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 7.8940% | 596 |
| Noncurrent loans to loans | 2.6705% | 2,726 |
| Net loans and leases to total assets | 71.3361% | 1,926 |
| Net loans and leases to deposits | 82.3262% | 2,401 |
| Net loans and leases to core deposits | 85.6826% | 2,959 |
| Total domestic deposits to total assets | 86.6505% | 2,957 |
| Equity capital to assets | 8.9407% | 5,663 |
| Core capital (leverage) ratio | 8.3027% | 5,867 |
| Tier 1 risk-based capital ratio | 11.6615% | 6,040 |
| Total risk-based capital ratio | 12.9213% | 6,031 |
| Memoranda: | ||
| Average total assets | $272,790,670 | 2,347 |
| Average earning assets | $242,231,330 | 2,402 |
| Average equity | $22,934,000 | 2,767 |
| Average total loans | $197,588,670 | 2,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 4,294 |
| Cost of funding earning assets | 1.2679% | 2,374 |
| Net interest margin | 3.4826% | 5,087 |
| Noninterest income to average assets | 0.1025% | 6,898 |
| Noninterest expense to average assets | 2.7229% | 4,741 |
| Loan and lease loss provision to assets | 0.1804% | 3,812 |
| Net operating income to assets | 0.2987% | 5,412 |
| Return on assets (ROA) | 0.2987% | 5,478 |
| Pretax return on assets | 0.2987% | 5,655 |
| Return on Equity (ROE) | 3.6636% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.6636% | 3,977 |
| Net charge-offs to loans | 0.6917% | 1,832 |
| Credit loss provision to net charge-offs | 36.1272% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.9595% | 3,933 |
| Efficiency ratio | 85.0383% | 1,838 |
| Assets per employee ($millions) | 4.6045% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 2,090 |
| Loan loss allowance to noncurrent loans | 287.3401% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 6.5665% | 843 |
| Noncurrent loans to loans | 0.7465% | 5,527 |
| Net loans and leases to total assets | 71.6596% | 1,785 |
| Net loans and leases to deposits | 81.9621% | 2,373 |
| Net loans and leases to core deposits | 85.9010% | 2,887 |
| Total domestic deposits to total assets | 87.4301% | 2,699 |
| Equity capital to assets | 8.3828% | 6,070 |
| Core capital (leverage) ratio | 8.1587% | 6,036 |
| Tier 1 risk-based capital ratio | 11.2398% | 6,318 |
| Total risk-based capital ratio | 12.4837% | 6,293 |
| Memoranda: | ||
| Average total assets | $277,199,500 | 2,327 |
| Average earning assets | $246,712,000 | 2,382 |
| Average equity | $22,600,500 | 2,789 |
| Average total loans | $200,091,500 | 2,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 5,409 |
| Cost of funding earning assets | 1.4451% | 2,990 |
| Net interest margin | 3.3542% | 5,777 |
| Noninterest income to average assets | 0.2521% | 5,998 |
| Noninterest expense to average assets | 2.6773% | 5,091 |
| Loan and lease loss provision to assets | 2.5824% | 422 |
| Net operating income to assets | -2.0258% | 7,063 |
| Return on assets (ROA) | -1.6287% | 6,972 |
| Pretax return on assets | -1.6287% | 6,904 |
| Return on Equity (ROE) | -18.4117% | 7,010 |
| Retained earnings to average equity (ytd only) | -18.4117% | 6,983 |
| Net charge-offs to loans | 4.1967% | 285 |
| Credit loss provision to net charge-offs | 83.0110% | 5,446 |
| Earnings coverage of net charge-offs (x) | 0.1789% | 5,927 |
| Efficiency ratio | 82.7889% | 2,069 |
| Assets per employee ($millions) | 4.4878% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 1,819 |
| Loan loss allowance to noncurrent loans | 73.1823% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 8.2565% | 584 |
| Noncurrent loans to loans | 3.0481% | 2,504 |
| Net loans and leases to total assets | 69.5894% | 2,636 |
| Net loans and leases to deposits | 81.8154% | 2,844 |
| Net loans and leases to core deposits | 86.7303% | 3,221 |
| Total domestic deposits to total assets | 85.0566% | 3,824 |
| Equity capital to assets | 7.9325% | 6,551 |
| Core capital (leverage) ratio | 7.6060% | 6,616 |
| Tier 1 risk-based capital ratio | 10.9835% | 6,336 |
| Total risk-based capital ratio | 12.2436% | 6,306 |
| Memoranda: | ||
| Average total assets | $299,139,600 | 2,154 |
| Average earning assets | $265,933,600 | 2,210 |
| Average equity | $26,461,400 | 2,422 |
| Average total loans | $221,745,800 | 1,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 5,445 |
| Cost of funding earning assets | 1.4644% | 3,188 |
| Net interest margin | 3.3939% | 5,703 |
| Noninterest income to average assets | 0.2317% | 6,235 |
| Noninterest expense to average assets | 2.5374% | 5,573 |
| Loan and lease loss provision to assets | 0.9893% | 1,502 |
| Net operating income to assets | -0.2423% | 6,374 |
| Return on assets (ROA) | 0.2014% | 5,666 |
| Pretax return on assets | 0.1640% | 5,806 |
| Return on Equity (ROE) | 2.2230% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.2230% | 4,835 |
| Net charge-offs to loans | 2.4524% | 693 |
| Credit loss provision to net charge-offs | 53.9180% | 5,826 |
| Earnings coverage of net charge-offs (x) | 0.3868% | 5,639 |
| Efficiency ratio | 78.1449% | 2,611 |
| Assets per employee ($millions) | 4.7966% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 2,391 |
| Loan loss allowance to noncurrent loans | 103.8828% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 6.9455% | 783 |
| Noncurrent loans to loans | 1.8622% | 3,853 |
| Net loans and leases to total assets | 71.8485% | 2,285 |
| Net loans and leases to deposits | 86.2230% | 2,289 |
| Net loans and leases to core deposits | 92.2237% | 2,770 |
| Total domestic deposits to total assets | 83.3287% | 4,448 |
| Equity capital to assets | 9.7152% | 4,525 |
| Core capital (leverage) ratio | 9.4941% | 3,908 |
| Tier 1 risk-based capital ratio | 13.0266% | 4,560 |
| Total risk-based capital ratio | 14.2893% | 4,529 |
| Memoranda: | ||
| Average total assets | $303,241,000 | 2,163 |
| Average earning assets | $269,415,250 | 2,217 |
| Average equity | $27,469,750 | 2,381 |
| Average total loans | $226,871,750 | 1,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 4,822 |
| Cost of funding earning assets | 1.4619% | 3,483 |
| Net interest margin | 3.5637% | 4,982 |
| Noninterest income to average assets | 0.3344% | 5,474 |
| Noninterest expense to average assets | 2.5966% | 5,341 |
| Loan and lease loss provision to assets | 1.0268% | 1,421 |
| Net operating income to assets | -0.0440% | 6,142 |
| Return on assets (ROA) | 0.4361% | 4,753 |
| Pretax return on assets | 0.5965% | 4,576 |
| Return on Equity (ROE) | 4.9280% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.9280% | 2,946 |
| Net charge-offs to loans | 0.4701% | 3,129 |
| Credit loss provision to net charge-offs | 290.0552% | 1,282 |
| Earnings coverage of net charge-offs (x) | 2.7274% | 3,630 |
| Efficiency ratio | 72.8953% | 3,676 |
| Assets per employee ($millions) | 4.5309% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1549% | 731 |
| Loan loss allowance to noncurrent loans | 280.8940% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 4.1583% | 1,627 |
| Noncurrent loans to loans | 1.1232% | 5,079 |
| Net loans and leases to total assets | 75.1707% | 1,657 |
| Net loans and leases to deposits | 90.4112% | 1,786 |
| Net loans and leases to core deposits | 97.2035% | 2,309 |
| Total domestic deposits to total assets | 83.1431% | 4,505 |
| Equity capital to assets | 9.5439% | 4,641 |
| Core capital (leverage) ratio | 8.8263% | 4,872 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,823 |
| Total risk-based capital ratio | 13.8132% | 4,782 |
| Memoranda: | ||
| Average total assets | $306,790,670 | 2,162 |
| Average earning assets | $277,861,000 | 2,174 |
| Average equity | $27,151,000 | 2,402 |
| Average total loans | $231,039,000 | 1,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 5,027 |
| Cost of funding earning assets | 1.4671% | 3,763 |
| Net interest margin | 3.5310% | 5,034 |
| Noninterest income to average assets | 0.3084% | 5,677 |
| Noninterest expense to average assets | 2.4645% | 5,857 |
| Loan and lease loss provision to assets | 0.8566% | 1,486 |
| Net operating income to assets | 0.2272% | 5,588 |
| Return on assets (ROA) | 0.2272% | 5,708 |
| Pretax return on assets | 0.2157% | 5,830 |
| Return on Equity (ROE) | 2.6628% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.6628% | 4,553 |
| Net charge-offs to loans | 0.5555% | 2,417 |
| Credit loss provision to net charge-offs | 207.6923% | 1,793 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,233 |
| Efficiency ratio | 69.6807% | 4,372 |
| Assets per employee ($millions) | 4.8162% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7817% | 1,008 |
| Loan loss allowance to noncurrent loans | 167.0744% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 3.7163% | 1,879 |
| Noncurrent loans to loans | 1.6650% | 4,250 |
| Net loans and leases to total assets | 72.7804% | 2,270 |
| Net loans and leases to deposits | 86.1194% | 2,565 |
| Net loans and leases to core deposits | 101.0313% | 2,029 |
| Total domestic deposits to total assets | 84.5109% | 3,890 |
| Equity capital to assets | 8.7527% | 5,646 |
| Core capital (leverage) ratio | 8.3907% | 5,580 |
| Tier 1 risk-based capital ratio | 11.9352% | 5,269 |
| Total risk-based capital ratio | 13.2103% | 5,198 |
| Memoranda: | ||
| Average total assets | $315,198,000 | 2,159 |
| Average earning assets | $288,187,500 | 2,157 |
| Average equity | $26,889,000 | 2,444 |
| Average total loans | $234,019,500 | 1,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 5,347 |
| Cost of funding earning assets | 1.7412% | 4,300 |
| Net interest margin | 3.5234% | 4,851 |
| Noninterest income to average assets | 0.5003% | 4,411 |
| Noninterest expense to average assets | 2.4578% | 6,284 |
| Loan and lease loss provision to assets | 2.0155% | 1,068 |
| Net operating income to assets | -0.3287% | 6,008 |
| Return on assets (ROA) | -0.3268% | 5,994 |
| Pretax return on assets | -0.6665% | 6,157 |
| Return on Equity (ROE) | -3.7769% | 6,092 |
| Retained earnings to average equity (ytd only) | -11.4983% | 6,642 |
| Net charge-offs to loans | 1.9474% | 1,272 |
| Credit loss provision to net charge-offs | 137.7117% | 3,572 |
| Earnings coverage of net charge-offs (x) | 0.9197% | 5,195 |
| Efficiency ratio | 64.6138% | 5,657 |
| Assets per employee ($millions) | 4.9563% | 2,272 |
| Cash dividends to net income (ytd only)* | -204.4403% | 7,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5577% | 1,162 |
| Loan loss allowance to noncurrent loans | 147.5565% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 3.5507% | 1,885 |
| Noncurrent loans to loans | 1.7334% | 4,036 |
| Net loans and leases to total assets | 71.7705% | 2,815 |
| Net loans and leases to deposits | 84.8533% | 3,109 |
| Net loans and leases to core deposits | 134.6418% | 1,018 |
| Total domestic deposits to total assets | 84.5818% | 3,764 |
| Equity capital to assets | 8.3186% | 6,175 |
| Core capital (leverage) ratio | 8.0262% | 6,129 |
| Tier 1 risk-based capital ratio | 11.3737% | 5,540 |
| Total risk-based capital ratio | 12.6412% | 5,478 |
| Memoranda: | ||
| Average total assets | $330,828,600 | 2,048 |
| Average earning assets | $310,185,000 | 2,002 |
| Average equity | $28,621,600 | 2,324 |
| Average total loans | $248,644,200 | 1,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 5,363 |
| Cost of funding earning assets | 1.8059% | 4,360 |
| Net interest margin | 3.5063% | 4,836 |
| Noninterest income to average assets | 0.5261% | 4,270 |
| Noninterest expense to average assets | 2.3603% | 6,528 |
| Loan and lease loss provision to assets | 1.6256% | 1,157 |
| Net operating income to assets | 0.0022% | 5,704 |
| Return on assets (ROA) | 0.0048% | 5,756 |
| Pretax return on assets | -0.1517% | 5,913 |
| Return on Equity (ROE) | 0.0550% | 5,757 |
| Retained earnings to average equity (ytd only) | -10.0786% | 6,814 |
| Net charge-offs to loans | 1.0365% | 1,906 |
| Credit loss provision to net charge-offs | 207.6726% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.8777% | 4,401 |
| Efficiency ratio | 61.6245% | 6,176 |
| Assets per employee ($millions) | 4.8385% | 2,349 |
| Cash dividends to net income (ytd only)* | 18,416.1875% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5176% | 1,042 |
| Loan loss allowance to noncurrent loans | 169.7780% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 2,556 |
| Noncurrent loans to loans | 1.4829% | 4,444 |
| Net loans and leases to total assets | 74.7048% | 2,313 |
| Net loans and leases to deposits | 89.4577% | 2,686 |
| Net loans and leases to core deposits | 145.2677% | 717 |
| Total domestic deposits to total assets | 83.5086% | 3,957 |
| Equity capital to assets | 8.2500% | 6,561 |
| Core capital (leverage) ratio | 7.9642% | 6,424 |
| Tier 1 risk-based capital ratio | 11.0695% | 5,882 |
| Total risk-based capital ratio | 12.3368% | 5,821 |
| Memoranda: | ||
| Average total assets | $332,996,000 | 2,058 |
| Average earning assets | $313,785,500 | 2,005 |
| Average equity | $29,077,250 | 2,318 |
| Average total loans | $251,484,250 | 1,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 5,896 |
| Cost of funding earning assets | 1.8821% | 4,361 |
| Net interest margin | 3.3628% | 5,303 |
| Noninterest income to average assets | 0.5157% | 4,306 |
| Noninterest expense to average assets | 2.1117% | 7,250 |
| Loan and lease loss provision to assets | 0.8585% | 1,956 |
| Net operating income to assets | 0.5725% | 3,803 |
| Return on assets (ROA) | 0.5725% | 3,908 |
| Pretax return on assets | 0.7221% | 3,928 |
| Return on Equity (ROE) | 6.4397% | 3,465 |
| Retained earnings to average equity (ytd only) | 5.0266% | 2,489 |
| Net charge-offs to loans | 1.2162% | 1,509 |
| Credit loss provision to net charge-offs | 93.9136% | 4,801 |
| Earnings coverage of net charge-offs (x) | 1.7291% | 4,258 |
| Efficiency ratio | 57.1938% | 6,968 |
| Assets per employee ($millions) | 5.0465% | 2,033 |
| Cash dividends to net income (ytd only)* | 21.9436% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,679 |
| Loan loss allowance to noncurrent loans | 40.9311% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 3.4546% | 1,802 |
| Noncurrent loans to loans | 3.9437% | 1,728 |
| Net loans and leases to total assets | 73.7091% | 2,784 |
| Net loans and leases to deposits | 92.6365% | 2,337 |
| Net loans and leases to core deposits | 153.1688% | 583 |
| Total domestic deposits to total assets | 79.5681% | 5,614 |
| Equity capital to assets | 8.7591% | 5,665 |
| Core capital (leverage) ratio | 8.7366% | 5,028 |
| Tier 1 risk-based capital ratio | 11.7059% | 5,193 |
| Total risk-based capital ratio | 12.9624% | 5,117 |
| Memoranda: | ||
| Average total assets | $334,321,670 | 2,080 |
| Average earning assets | $315,809,670 | 2,016 |
| Average equity | $29,721,670 | 2,287 |
| Average total loans | $251,265,330 | 1,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3318% | 5,745 |
| Cost of funding earning assets | 1.9690% | 4,291 |
| Net interest margin | 3.3628% | 5,279 |
| Noninterest income to average assets | 0.3953% | 5,251 |
| Noninterest expense to average assets | 1.7945% | 7,705 |
| Loan and lease loss provision to assets | 0.7275% | 1,764 |
| Net operating income to assets | 0.7711% | 3,251 |
| Return on assets (ROA) | 0.7711% | 3,424 |
| Pretax return on assets | 1.0561% | 3,158 |
| Return on Equity (ROE) | 8.6081% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.7658% | 2,746 |
| Net charge-offs to loans | 1.3706% | 1,031 |
| Credit loss provision to net charge-offs | 70.5053% | 4,343 |
| Earnings coverage of net charge-offs (x) | 1.7286% | 3,867 |
| Efficiency ratio | 50.1525% | 7,579 |
| Assets per employee ($millions) | 4.7730% | 2,332 |
| Cash dividends to net income (ytd only)* | 33.0189% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 2,411 |
| Loan loss allowance to noncurrent loans | 110.7351% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 3,461 |
| Noncurrent loans to loans | 1.4705% | 4,095 |
| Net loans and leases to total assets | 73.2265% | 2,954 |
| Net loans and leases to deposits | 87.8489% | 3,313 |
| Net loans and leases to core deposits | 142.8854% | 971 |
| Total domestic deposits to total assets | 83.3550% | 3,976 |
| Equity capital to assets | 9.0385% | 5,311 |
| Core capital (leverage) ratio | 8.9283% | 4,824 |
| Tier 1 risk-based capital ratio | 11.9887% | 4,975 |
| Total risk-based capital ratio | 13.2437% | 4,855 |
| Memoranda: | ||
| Average total assets | $329,900,500 | 2,114 |
| Average earning assets | $312,237,500 | 2,049 |
| Average equity | $29,553,500 | 2,311 |
| Average total loans | $248,351,500 | 1,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3097% | 3,911 |
| Cost of funding earning assets | 2.7517% | 2,916 |
| Net interest margin | 3.5579% | 5,064 |
| Noninterest income to average assets | 0.4596% | 4,972 |
| Noninterest expense to average assets | 2.3586% | 6,538 |
| Loan and lease loss provision to assets | 0.6863% | 2,128 |
| Net operating income to assets | 0.5902% | 4,350 |
| Return on assets (ROA) | 0.5918% | 4,206 |
| Pretax return on assets | 0.7736% | 4,166 |
| Return on Equity (ROE) | 6.8046% | 3,620 |
| Retained earnings to average equity (ytd only) | 3.7588% | 2,796 |
| Net charge-offs to loans | 0.6509% | 1,906 |
| Credit loss provision to net charge-offs | 142.4110% | 3,720 |
| Earnings coverage of net charge-offs (x) | 3.0250% | 4,574 |
| Efficiency ratio | 61.8030% | 5,992 |
| Assets per employee ($millions) | 4.8598% | 2,099 |
| Cash dividends to net income (ytd only)* | 44.7609% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,948 |
| Loan loss allowance to noncurrent loans | 701.3223% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 4,979 |
| Noncurrent loans to loans | 0.2405% | 6,664 |
| Net loans and leases to total assets | 74.8360% | 2,915 |
| Net loans and leases to deposits | 98.2149% | 2,091 |
| Net loans and leases to core deposits | 151.8062% | 791 |
| Total domestic deposits to total assets | 76.1962% | 6,196 |
| Equity capital to assets | 8.8784% | 5,531 |
| Core capital (leverage) ratio | 8.7910% | 5,053 |
| Tier 1 risk-based capital ratio | 11.6361% | 5,115 |
| Total risk-based capital ratio | 12.8921% | 5,001 |
| Memoranda: | ||
| Average total assets | $332,229,000 | 2,013 |
| Average earning assets | $313,439,200 | 1,944 |
| Average equity | $28,892,400 | 2,341 |
| Average total loans | $245,950,400 | 1,933 |