Home > First Texoma National Bank > Performance and Condition Ratios
First Texoma National 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 | 4.9933% | 2,083 |
| Cost of funding earning assets | 0.7156% | 3,910 |
| Net interest margin | 4.2777% | 841 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.4645% | 600 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8678% | 2,642 |
| Return on assets (ROA) | 0.8401% | 2,721 |
| Pretax return on assets | 1.0589% | 2,515 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.5930% | 2,756 |
| Net charge-offs to loans | 0.1620% | 646 |
| Credit loss provision to net charge-offs | 80.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 10.5400% | 2,234 |
| Efficiency ratio | 74.5337% | 1,406 |
| Assets per employee ($millions) | 3.6196% | 4,265 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,525 |
| Loan loss allowance to noncurrent loans | 136.5049% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 745 |
| Noncurrent loans to loans | 1.0010% | 739 |
| Net loans and leases to total assets | 68.9500% | 1,928 |
| Net loans and leases to deposits | 76.6573% | 2,385 |
| Net loans and leases to core deposits | 84.5946% | 2,414 |
| Total domestic deposits to total assets | 89.9500% | 767 |
| Equity capital to assets | 8.9281% | 2,720 |
| Core capital (leverage) ratio | 11.2854% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8687% | 948 |
| Memoranda: | ||
| Average total assets | $222,599,600 | 2,834 |
| Average earning assets | $210,182,000 | 2,807 |
| Average equity | $18,941,800 | 2,943 |
| Average total loans | $154,330,400 | 2,641 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 2,083 |
| Cost of funding earning assets | 0.6149% | 3,945 |
| Net interest margin | 4.2745% | 829 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.4568% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9287% | 2,588 |
| Return on assets (ROA) | 0.8919% | 2,698 |
| Pretax return on assets | 1.1471% | 2,432 |
| Return on Equity (ROE) | 10.6100% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.6101% | 1,243 |
| Net charge-offs to loans | 0.0276% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 62.4063% | 1,186 |
| Efficiency ratio | 74.3316% | 1,335 |
| Assets per employee ($millions) | 3.4624% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,573 |
| Loan loss allowance to noncurrent loans | 201.9943% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 1,197 |
| Noncurrent loans to loans | 0.6791% | 1,219 |
| Net loans and leases to total assets | 70.1100% | 1,814 |
| Net loans and leases to deposits | 76.9659% | 2,336 |
| Net loans and leases to core deposits | 84.2092% | 2,313 |
| Total domestic deposits to total assets | 91.1000% | 647 |
| Equity capital to assets | 8.6018% | 2,662 |
| Core capital (leverage) ratio | 11.3622% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1076% | 939 |
| Memoranda: | ||
| Average total assets | $223,050,000 | 2,841 |
| Average earning assets | $210,545,250 | 2,814 |
| Average equity | $18,749,000 | 2,952 |
| Average total loans | $154,326,000 | 2,646 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 2,177 |
| Cost of funding earning assets | 0.4981% | 3,980 |
| Net interest margin | 4.2179% | 911 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.4127% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9236% | 2,676 |
| Return on assets (ROA) | 0.8688% | 2,855 |
| Pretax return on assets | 1.1126% | 2,608 |
| Return on Equity (ROE) | 10.4100% | 2,593 |
| Retained earnings to average equity (ytd only) | 10.4138% | 1,307 |
| Net charge-offs to loans | 0.0273% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 63.2381% | 1,171 |
| Efficiency ratio | 74.2735% | 1,319 |
| Assets per employee ($millions) | 3.6435% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,633 |
| Loan loss allowance to noncurrent loans | 186.8007% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 1,057 |
| Noncurrent loans to loans | 0.7343% | 1,023 |
| Net loans and leases to total assets | 69.1400% | 1,835 |
| Net loans and leases to deposits | 75.8033% | 2,330 |
| Net loans and leases to core deposits | 82.6749% | 2,284 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 8.6194% | 2,766 |
| Core capital (leverage) ratio | 11.2875% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6797% | 1,006 |
| Memoranda: | ||
| Average total assets | $224,690,000 | 2,837 |
| Average earning assets | $212,427,333 | 2,807 |
| Average equity | $18,744,333 | 2,969 |
| Average total loans | $154,079,333 | 2,638 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,036 |
| Cost of funding earning assets | 0.4373% | 3,869 |
| Net interest margin | 4.1828% | 977 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.5165% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8269% | 3,104 |
| Return on assets (ROA) | 0.8003% | 3,143 |
| Pretax return on assets | 1.0270% | 2,914 |
| Return on Equity (ROE) | 9.7500% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.7529% | 1,755 |
| Net charge-offs to loans | 0.0470% | 892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 33.2778% | 1,267 |
| Efficiency ratio | 76.8279% | 1,099 |
| Assets per employee ($millions) | 3.6849% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 1,596 |
| Loan loss allowance to noncurrent loans | 190.8200% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 1,037 |
| Noncurrent loans to loans | 0.7367% | 1,040 |
| Net loans and leases to total assets | 66.8000% | 1,973 |
| Net loans and leases to deposits | 73.0759% | 2,378 |
| Net loans and leases to core deposits | 78.6186% | 2,346 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 8.3633% | 2,994 |
| Core capital (leverage) ratio | 10.6968% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5425% | 1,062 |
| Memoranda: | ||
| Average total assets | $225,907,500 | 2,866 |
| Average earning assets | $214,020,500 | 2,831 |
| Average equity | $18,538,000 | 3,015 |
| Average total loans | $153,217,000 | 2,676 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 1,205 |
| Cost of funding earning assets | 0.1959% | 3,790 |
| Net interest margin | 4.0258% | 760 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.4368% | 522 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0004% | 2,564 |
| Return on assets (ROA) | 1.0004% | 2,514 |
| Pretax return on assets | 1.2746% | 2,188 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.3520% | 3,284 |
| Net charge-offs to loans | 0.0499% | 1,172 |
| Credit loss provision to net charge-offs | 333.7838% | 858 |
| Earnings coverage of net charge-offs (x) | 42.2838% | 1,470 |
| Efficiency ratio | 71.2936% | 1,526 |
| Assets per employee ($millions) | 3.8480% | 4,335 |
| Cash dividends to net income (ytd only)* | 61.8921% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,501 |
| Loan loss allowance to noncurrent loans | 221.2090% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 1,190 |
| Noncurrent loans to loans | 0.6332% | 1,168 |
| Net loans and leases to total assets | 66.9400% | 1,936 |
| Net loans and leases to deposits | 73.2595% | 2,309 |
| Net loans and leases to core deposits | 78.8104% | 2,215 |
| Total domestic deposits to total assets | 91.3700% | 819 |
| Equity capital to assets | 8.0503% | 3,034 |
| Core capital (leverage) ratio | 10.5345% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9340% | 1,135 |
| Memoranda: | ||
| Average total assets | $226,110,200 | 2,867 |
| Average earning assets | $213,870,200 | 2,837 |
| Average equity | $19,806,800 | 2,966 |
| Average total loans | $148,415,400 | 2,648 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 1,048 |
| Cost of funding earning assets | 0.1485% | 3,858 |
| Net interest margin | 3.9618% | 691 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 3.3970% | 526 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9332% | 2,747 |
| Return on assets (ROA) | 0.9332% | 2,712 |
| Pretax return on assets | 1.1947% | 2,388 |
| Return on Equity (ROE) | 10.4400% | 2,597 |
| Retained earnings to average equity (ytd only) | 10.4409% | 1,215 |
| Net charge-offs to loans | 0.0454% | 1,035 |
| Credit loss provision to net charge-offs | 380.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 44.2800% | 1,341 |
| Efficiency ratio | 72.2173% | 1,486 |
| Assets per employee ($millions) | 3.7801% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,641 |
| Loan loss allowance to noncurrent loans | 265.7500% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 1,539 |
| Noncurrent loans to loans | 0.5231% | 1,492 |
| Net loans and leases to total assets | 66.4900% | 1,835 |
| Net loans and leases to deposits | 72.4052% | 2,172 |
| Net loans and leases to core deposits | 75.9186% | 2,196 |
| Total domestic deposits to total assets | 91.8300% | 931 |
| Equity capital to assets | 7.9990% | 2,899 |
| Core capital (leverage) ratio | 10.8763% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3198% | 1,119 |
| Memoranda: | ||
| Average total assets | $225,879,250 | 2,885 |
| Average earning assets | $213,669,500 | 2,859 |
| Average equity | $20,189,250 | 2,979 |
| Average total loans | $146,986,000 | 2,665 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 986 |
| Cost of funding earning assets | 0.1291% | 3,849 |
| Net interest margin | 3.8401% | 688 |
| Noninterest income to average assets | 1.0533% | 601 |
| Noninterest expense to average assets | 3.4286% | 464 |
| Loan and lease loss provision to assets | 0.1108% | 905 |
| Net operating income to assets | 0.8999% | 2,582 |
| Return on assets (ROA) | 0.8999% | 2,553 |
| Pretax return on assets | 1.1526% | 2,235 |
| Return on Equity (ROE) | 9.7261% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.7261% | 1,091 |
| Net charge-offs to loans | 0.0703% | 742 |
| Credit loss provision to net charge-offs | 245.0980% | 879 |
| Earnings coverage of net charge-offs (x) | 27.9412% | 1,419 |
| Efficiency ratio | 73.0726% | 1,613 |
| Assets per employee ($millions) | 3.7712% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,759 |
| Loan loss allowance to noncurrent loans | 555.2561% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 2,555 |
| Noncurrent loans to loans | 0.2519% | 2,470 |
| Net loans and leases to total assets | 64.1886% | 1,889 |
| Net loans and leases to deposits | 69.9655% | 2,207 |
| Net loans and leases to core deposits | 72.7228% | 2,260 |
| Total domestic deposits to total assets | 91.7432% | 946 |
| Equity capital to assets | 8.1167% | 3,031 |
| Core capital (leverage) ratio | 10.6232% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4271% | 1,092 |
| Memoranda: | ||
| Average total assets | $225,571,333 | 2,911 |
| Average earning assets | $213,745,000 | 2,889 |
| Average equity | $20,871,667 | 2,981 |
| Average total loans | $145,003,667 | 2,696 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 925 |
| Cost of funding earning assets | 0.1289% | 3,788 |
| Net interest margin | 3.7707% | 666 |
| Noninterest income to average assets | 0.6731% | 1,401 |
| Noninterest expense to average assets | 3.1578% | 644 |
| Loan and lease loss provision to assets | 0.1332% | 610 |
| Net operating income to assets | 0.7619% | 2,807 |
| Return on assets (ROA) | 0.7619% | 2,798 |
| Pretax return on assets | 0.9662% | 2,550 |
| Return on Equity (ROE) | 7.7561% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.7561% | 1,652 |
| Net charge-offs to loans | 0.1335% | 424 |
| Credit loss provision to net charge-offs | 156.2500% | 848 |
| Earnings coverage of net charge-offs (x) | 12.8958% | 1,407 |
| Efficiency ratio | 74.1761% | 1,722 |
| Assets per employee ($millions) | 3.7702% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,964 |
| Loan loss allowance to noncurrent loans | 560.7242% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,691 |
| Noncurrent loans to loans | 0.2472% | 2,604 |
| Net loans and leases to total assets | 63.3028% | 1,710 |
| Net loans and leases to deposits | 69.8707% | 1,977 |
| Net loans and leases to core deposits | 72.0055% | 2,110 |
| Total domestic deposits to total assets | 90.5999% | 1,243 |
| Equity capital to assets | 9.2812% | 2,461 |
| Core capital (leverage) ratio | 10.2953% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2258% | 1,204 |
| Memoranda: | ||
| Average total assets | $225,220,000 | 2,926 |
| Average earning assets | $214,072,000 | 2,904 |
| Average equity | $22,124,500 | 2,977 |
| Average total loans | $143,854,500 | 2,702 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 1,065 |
| Cost of funding earning assets | 0.1790% | 3,669 |
| Net interest margin | 3.9797% | 742 |
| Noninterest income to average assets | 0.6799% | 1,837 |
| Noninterest expense to average assets | 3.2950% | 637 |
| Loan and lease loss provision to assets | 0.0915% | 1,364 |
| Net operating income to assets | 0.8795% | 3,112 |
| Return on assets (ROA) | 0.8912% | 3,131 |
| Pretax return on assets | 1.1102% | 2,932 |
| Return on Equity (ROE) | 8.3207% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.1188% | 2,738 |
| Net charge-offs to loans | 0.2513% | 364 |
| Credit loss provision to net charge-offs | 55.5556% | 2,097 |
| Earnings coverage of net charge-offs (x) | 7.2111% | 2,352 |
| Efficiency ratio | 73.5156% | 1,365 |
| Assets per employee ($millions) | 3.8005% | 4,495 |
| Cash dividends to net income (ytd only)* | 38.4813% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,941 |
| Loan loss allowance to noncurrent loans | 378.2857% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 509 |
| Noncurrent loans to loans | 0.3684% | 2,265 |
| Net loans and leases to total assets | 62.6645% | 1,861 |
| Net loans and leases to deposits | 70.0431% | 2,129 |
| Net loans and leases to core deposits | 72.0519% | 2,254 |
| Total domestic deposits to total assets | 89.4657% | 1,260 |
| Equity capital to assets | 10.3706% | 2,302 |
| Core capital (leverage) ratio | 10.1683% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3018% | 1,194 |
| Memoranda: | ||
| Average total assets | $218,694,400 | 2,917 |
| Average earning assets | $208,933,800 | 2,883 |
| Average equity | $23,423,600 | 2,946 |
| Average total loans | $143,238,600 | 2,695 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 1,049 |
| Cost of funding earning assets | 0.1930% | 3,690 |
| Net interest margin | 4.0454% | 719 |
| Noninterest income to average assets | 0.6663% | 1,949 |
| Noninterest expense to average assets | 3.2009% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0410% | 2,764 |
| Return on assets (ROA) | 1.0565% | 2,776 |
| Pretax return on assets | 1.3559% | 2,476 |
| Return on Equity (ROE) | 9.7841% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.7841% | 1,386 |
| Net charge-offs to loans | 0.1246% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 16.2537% | 1,841 |
| Efficiency ratio | 70.5477% | 1,545 |
| Assets per employee ($millions) | 3.7376% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,964 |
| Loan loss allowance to noncurrent loans | 92.2936% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 545 |
| Noncurrent loans to loans | 1.5332% | 679 |
| Net loans and leases to total assets | 62.5042% | 1,949 |
| Net loans and leases to deposits | 70.3608% | 2,200 |
| Net loans and leases to core deposits | 72.6126% | 2,361 |
| Total domestic deposits to total assets | 88.8338% | 1,380 |
| Equity capital to assets | 10.8255% | 2,149 |
| Core capital (leverage) ratio | 10.5368% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8227% | 1,171 |
| Memoranda: | ||
| Average total assets | $217,310,750 | 2,955 |
| Average earning assets | $207,932,250 | 2,918 |
| Average equity | $23,466,000 | 2,981 |
| Average total loans | $143,423,750 | 2,731 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 855 |
| Cost of funding earning assets | 0.2119% | 3,635 |
| Net interest margin | 4.1835% | 599 |
| Noninterest income to average assets | 0.6568% | 1,981 |
| Noninterest expense to average assets | 3.1666% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1563% | 2,347 |
| Return on assets (ROA) | 1.1842% | 2,310 |
| Pretax return on assets | 1.5284% | 1,928 |
| Return on Equity (ROE) | 10.9762% | 2,430 |
| Retained earnings to average equity (ytd only) | 10.9762% | 1,128 |
| Net charge-offs to loans | 0.1098% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 20.3165% | 1,528 |
| Efficiency ratio | 67.9577% | 1,884 |
| Assets per employee ($millions) | 3.8608% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,852 |
| Loan loss allowance to noncurrent loans | 93.4026% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 733 |
| Noncurrent loans to loans | 1.5302% | 737 |
| Net loans and leases to total assets | 64.7785% | 1,855 |
| Net loans and leases to deposits | 72.9679% | 2,116 |
| Net loans and leases to core deposits | 75.2076% | 2,309 |
| Total domestic deposits to total assets | 88.7766% | 1,400 |
| Equity capital to assets | 10.7713% | 2,170 |
| Core capital (leverage) ratio | 10.4791% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4809% | 1,232 |
| Memoranda: | ||
| Average total assets | $214,995,333 | 2,974 |
| Average earning assets | $205,711,667 | 2,937 |
| Average equity | $23,195,667 | 2,994 |
| Average total loans | $143,837,667 | 2,745 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 660 |
| Cost of funding earning assets | 0.2402% | 3,558 |
| Net interest margin | 4.3597% | 462 |
| Noninterest income to average assets | 0.6364% | 2,071 |
| Noninterest expense to average assets | 3.1272% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2995% | 1,830 |
| Return on assets (ROA) | 1.3010% | 1,904 |
| Pretax return on assets | 1.6794% | 1,538 |
| Return on Equity (ROE) | 12.0480% | 1,995 |
| Retained earnings to average equity (ytd only) | 12.0480% | 1,133 |
| Net charge-offs to loans | 0.1701% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 14.6066% | 1,360 |
| Efficiency ratio | 65.0862% | 2,346 |
| Assets per employee ($millions) | 3.7778% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,792 |
| Loan loss allowance to noncurrent loans | 70.2967% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 493 |
| Noncurrent loans to loans | 2.0541% | 520 |
| Net loans and leases to total assets | 66.0871% | 1,793 |
| Net loans and leases to deposits | 74.3321% | 2,086 |
| Net loans and leases to core deposits | 76.9278% | 2,274 |
| Total domestic deposits to total assets | 88.9079% | 1,385 |
| Equity capital to assets | 10.7312% | 2,053 |
| Core capital (leverage) ratio | 10.6279% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0778% | 1,274 |
| Memoranda: | ||
| Average total assets | $212,459,500 | 2,989 |
| Average earning assets | $203,131,500 | 2,947 |
| Average equity | $22,941,500 | 2,998 |
| Average total loans | $143,445,000 | 2,752 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,190 |
| Cost of funding earning assets | 0.4135% | 3,500 |
| Net interest margin | 4.1370% | 731 |
| Noninterest income to average assets | 0.9927% | 1,054 |
| Noninterest expense to average assets | 3.5936% | 607 |
| Loan and lease loss provision to assets | 0.1769% | 2,182 |
| Net operating income to assets | 0.8801% | 2,783 |
| Return on assets (ROA) | 0.9349% | 2,688 |
| Pretax return on assets | 1.2138% | 2,282 |
| Return on Equity (ROE) | 8.6709% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.6709% | 862 |
| Net charge-offs to loans | 0.1252% | 1,254 |
| Credit loss provision to net charge-offs | 188.2353% | 2,222 |
| Earnings coverage of net charge-offs (x) | 14.0588% | 2,240 |
| Efficiency ratio | 73.1159% | 1,554 |
| Assets per employee ($millions) | 3.9544% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,561 |
| Loan loss allowance to noncurrent loans | 75.6166% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 580 |
| Noncurrent loans to loans | 1.9916% | 581 |
| Net loans and leases to total assets | 66.9661% | 1,957 |
| Net loans and leases to deposits | 75.3959% | 2,344 |
| Net loans and leases to core deposits | 79.0211% | 2,453 |
| Total domestic deposits to total assets | 88.8193% | 1,064 |
| Equity capital to assets | 10.8667% | 2,373 |
| Core capital (leverage) ratio | 10.3865% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9359% | 1,279 |
| Memoranda: | ||
| Average total assets | $198,962,200 | 2,951 |
| Average earning assets | $188,638,600 | 2,920 |
| Average equity | $21,451,000 | 3,060 |
| Average total loans | $149,357,200 | 2,671 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,005 |
| Cost of funding earning assets | 0.4563% | 3,491 |
| Net interest margin | 4.2707% | 627 |
| Noninterest income to average assets | 1.1010% | 855 |
| Noninterest expense to average assets | 3.6996% | 531 |
| Loan and lease loss provision to assets | 0.2038% | 1,963 |
| Net operating income to assets | 0.9522% | 2,509 |
| Return on assets (ROA) | 1.0263% | 2,368 |
| Pretax return on assets | 1.3346% | 1,924 |
| Return on Equity (ROE) | 9.5389% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.5389% | 859 |
| Net charge-offs to loans | 0.0838% | 1,468 |
| Credit loss provision to net charge-offs | 315.7895% | 1,715 |
| Earnings coverage of net charge-offs (x) | 22.3895% | 1,831 |
| Efficiency ratio | 71.9171% | 1,655 |
| Assets per employee ($millions) | 3.7185% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,439 |
| Loan loss allowance to noncurrent loans | 78.1272% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 683 |
| Noncurrent loans to loans | 1.8977% | 670 |
| Net loans and leases to total assets | 69.7543% | 1,995 |
| Net loans and leases to deposits | 78.4429% | 2,490 |
| Net loans and leases to core deposits | 82.3072% | 2,641 |
| Total domestic deposits to total assets | 88.9237% | 801 |
| Equity capital to assets | 10.6527% | 2,672 |
| Core capital (leverage) ratio | 10.4155% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3352% | 1,415 |
| Memoranda: | ||
| Average total assets | $196,306,500 | 2,956 |
| Average earning assets | $185,851,250 | 2,930 |
| Average equity | $21,120,000 | 3,078 |
| Average total loans | $151,072,250 | 2,657 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 897 |
| Cost of funding earning assets | 0.5129% | 3,456 |
| Net interest margin | 4.4359% | 572 |
| Noninterest income to average assets | 0.7466% | 1,586 |
| Noninterest expense to average assets | 3.8185% | 491 |
| Loan and lease loss provision to assets | 0.3120% | 1,381 |
| Net operating income to assets | 0.6118% | 3,700 |
| Return on assets (ROA) | 0.7186% | 3,436 |
| Pretax return on assets | 0.9338% | 3,219 |
| Return on Equity (ROE) | 6.6552% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.6552% | 1,795 |
| Net charge-offs to loans | 0.0355% | 2,029 |
| Credit loss provision to net charge-offs | 1,111.1111% | 735 |
| Earnings coverage of net charge-offs (x) | 39.5556% | 1,258 |
| Efficiency ratio | 77.4684% | 1,110 |
| Assets per employee ($millions) | 3.2855% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,259 |
| Loan loss allowance to noncurrent loans | 78.7561% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 695 |
| Noncurrent loans to loans | 1.9075% | 719 |
| Net loans and leases to total assets | 72.5493% | 1,614 |
| Net loans and leases to deposits | 81.3167% | 2,275 |
| Net loans and leases to core deposits | 87.1626% | 2,336 |
| Total domestic deposits to total assets | 89.2181% | 667 |
| Equity capital to assets | 10.4093% | 2,830 |
| Core capital (leverage) ratio | 10.3592% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7184% | 1,566 |
| Memoranda: | ||
| Average total assets | $192,329,333 | 2,967 |
| Average earning assets | $181,337,000 | 2,945 |
| Average equity | $20,765,667 | 3,102 |
| Average total loans | $152,282,667 | 2,640 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 719 |
| Cost of funding earning assets | 0.5472% | 3,709 |
| Net interest margin | 4.6033% | 408 |
| Noninterest income to average assets | 0.8337% | 1,213 |
| Noninterest expense to average assets | 4.0934% | 455 |
| Loan and lease loss provision to assets | 0.6429% | 419 |
| Net operating income to assets | 0.3114% | 4,322 |
| Return on assets (ROA) | 0.5315% | 3,863 |
| Pretax return on assets | 0.7029% | 3,682 |
| Return on Equity (ROE) | 4.8281% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.8281% | 2,352 |
| Net charge-offs to loans | 0.0417% | 1,619 |
| Credit loss provision to net charge-offs | 1,875.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 1,154 |
| Efficiency ratio | 79.3189% | 1,208 |
| Assets per employee ($millions) | 2.7611% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,463 |
| Loan loss allowance to noncurrent loans | 358.3861% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 3,097 |
| Noncurrent loans to loans | 0.4092% | 3,028 |
| Net loans and leases to total assets | 81.0575% | 554 |
| Net loans and leases to deposits | 91.3630% | 1,357 |
| Net loans and leases to core deposits | 98.4214% | 1,596 |
| Total domestic deposits to total assets | 88.7202% | 799 |
| Equity capital to assets | 11.0321% | 2,827 |
| Core capital (leverage) ratio | 10.8291% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7172% | 1,684 |
| Memoranda: | ||
| Average total assets | $186,642,500 | 2,988 |
| Average earning assets | $175,439,500 | 2,963 |
| Average equity | $20,546,500 | 3,116 |
| Average total loans | $153,404,500 | 2,607 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 938 |
| Cost of funding earning assets | 0.5472% | 3,890 |
| Net interest margin | 4.6777% | 498 |
| Noninterest income to average assets | 0.9965% | 978 |
| Noninterest expense to average assets | 3.8777% | 611 |
| Loan and lease loss provision to assets | 0.1239% | 1,711 |
| Net operating income to assets | 1.0973% | 2,456 |
| Return on assets (ROA) | 1.1049% | 2,521 |
| Pretax return on assets | 1.3626% | 2,286 |
| Return on Equity (ROE) | 9.6246% | 2,463 |
| Retained earnings to average equity (ytd only) | 0.9538% | 4,398 |
| Net charge-offs to loans | 0.1376% | 1,409 |
| Credit loss provision to net charge-offs | 110.3448% | 2,262 |
| Earnings coverage of net charge-offs (x) | 13.1576% | 2,371 |
| Efficiency ratio | 72.4156% | 1,808 |
| Assets per employee ($millions) | 2.8111% | 4,901 |
| Cash dividends to net income (ytd only)* | 90.0901% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 1,919 |
| Loan loss allowance to noncurrent loans | 767.8295% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 2,179 |
| Noncurrent loans to loans | 0.1693% | 3,854 |
| Net loans and leases to total assets | 81.0508% | 663 |
| Net loans and leases to deposits | 91.2952% | 1,455 |
| Net loans and leases to core deposits | 97.8870% | 1,740 |
| Total domestic deposits to total assets | 88.7788% | 758 |
| Equity capital to assets | 10.9846% | 3,009 |
| Core capital (leverage) ratio | 10.7308% | 2,732 |
| Tier 1 risk-based capital ratio | 14.4745% | 3,030 |
| Total risk-based capital ratio | 15.7264% | 2,930 |
| Memoranda: | ||
| Average total assets | $180,828,800 | 3,016 |
| Average earning assets | $168,480,400 | 3,009 |
| Average equity | $20,759,400 | 3,057 |
| Average total loans | $147,526,800 | 2,650 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 1,087 |
| Cost of funding earning assets | 0.5312% | 4,014 |
| Net interest margin | 4.6454% | 556 |
| Noninterest income to average assets | 0.9945% | 947 |
| Noninterest expense to average assets | 3.8585% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1832% | 2,255 |
| Return on assets (ROA) | 1.1934% | 2,295 |
| Pretax return on assets | 1.4709% | 2,042 |
| Return on Equity (ROE) | 10.2806% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.2806% | 685 |
| Net charge-offs to loans | 0.0073% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 245.5417% | 381 |
| Efficiency ratio | 72.5712% | 1,750 |
| Assets per employee ($millions) | 2.8310% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,883 |
| Loan loss allowance to noncurrent loans | 410.9474% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 1,767 |
| Noncurrent loans to loans | 0.3213% | 3,379 |
| Net loans and leases to total assets | 79.2841% | 943 |
| Net loans and leases to deposits | 90.2401% | 1,672 |
| Net loans and leases to core deposits | 96.8649% | 1,922 |
| Total domestic deposits to total assets | 87.8590% | 1,095 |
| Equity capital to assets | 11.8595% | 2,369 |
| Core capital (leverage) ratio | 11.5259% | 2,195 |
| Tier 1 risk-based capital ratio | 15.5431% | 2,625 |
| Total risk-based capital ratio | 16.7953% | 2,566 |
| Memoranda: | ||
| Average total assets | $179,652,750 | 3,048 |
| Average earning assets | $167,157,500 | 3,048 |
| Average equity | $20,854,250 | 3,076 |
| Average total loans | $146,319,250 | 2,681 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 1,122 |
| Cost of funding earning assets | 0.4884% | 4,170 |
| Net interest margin | 4.6546% | 546 |
| Noninterest income to average assets | 1.0079% | 861 |
| Noninterest expense to average assets | 3.8934% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1033% | 2,513 |
| Return on assets (ROA) | 1.1033% | 2,583 |
| Pretax return on assets | 1.4568% | 2,008 |
| Return on Equity (ROE) | 9.5756% | 2,602 |
| Retained earnings to average equity (ytd only) | 9.5756% | 890 |
| Net charge-offs to loans | -0.0137% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7711% | 1,808 |
| Assets per employee ($millions) | 2.6892% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,867 |
| Loan loss allowance to noncurrent loans | 431.7982% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,171 |
| Noncurrent loans to loans | 0.3095% | 3,437 |
| Net loans and leases to total assets | 80.6691% | 784 |
| Net loans and leases to deposits | 91.7902% | 1,514 |
| Net loans and leases to core deposits | 100.5604% | 1,673 |
| Total domestic deposits to total assets | 87.8842% | 1,151 |
| Equity capital to assets | 11.7423% | 2,391 |
| Core capital (leverage) ratio | 11.5163% | 2,151 |
| Tier 1 risk-based capital ratio | 15.7276% | 2,534 |
| Total risk-based capital ratio | 16.9822% | 2,468 |
| Memoranda: | ||
| Average total assets | $178,199,330 | 3,076 |
| Average earning assets | $166,244,000 | 3,072 |
| Average equity | $20,531,330 | 3,101 |
| Average total loans | $145,810,670 | 2,700 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 1,210 |
| Cost of funding earning assets | 0.4670% | 4,216 |
| Net interest margin | 4.5852% | 629 |
| Noninterest income to average assets | 1.0631% | 710 |
| Noninterest expense to average assets | 3.8869% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1151% | 2,412 |
| Return on assets (ROA) | 1.1151% | 2,459 |
| Pretax return on assets | 1.4536% | 1,906 |
| Return on Equity (ROE) | 9.7732% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.7732% | 1,092 |
| Net charge-offs to loans | -0.0331% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7811% | 1,913 |
| Assets per employee ($millions) | 2.7783% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 1,873 |
| Loan loss allowance to noncurrent loans | 504.3478% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,745 |
| Noncurrent loans to loans | 0.2676% | 3,603 |
| Net loans and leases to total assets | 81.0653% | 704 |
| Net loans and leases to deposits | 91.9983% | 1,399 |
| Net loans and leases to core deposits | 99.4570% | 1,668 |
| Total domestic deposits to total assets | 88.1160% | 1,274 |
| Equity capital to assets | 11.5415% | 2,359 |
| Core capital (leverage) ratio | 11.3009% | 2,287 |
| Tier 1 risk-based capital ratio | 15.4047% | 2,700 |
| Total risk-based capital ratio | 16.6574% | 2,610 |
| Memoranda: | ||
| Average total assets | $177,210,000 | 3,118 |
| Average earning assets | $165,315,000 | 3,112 |
| Average equity | $20,218,500 | 3,140 |
| Average total loans | $145,057,500 | 2,740 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 1,373 |
| Cost of funding earning assets | 0.3292% | 4,412 |
| Net interest margin | 4.5391% | 708 |
| Noninterest income to average assets | 1.0077% | 930 |
| Noninterest expense to average assets | 3.8048% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1381% | 2,440 |
| Return on assets (ROA) | 1.0991% | 2,597 |
| Pretax return on assets | 1.4034% | 2,127 |
| Return on Equity (ROE) | 9.5438% | 2,727 |
| Retained earnings to average equity (ytd only) | 1.6564% | 4,481 |
| Net charge-offs to loans | 0.0155% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 116.3182% | 661 |
| Efficiency ratio | 72.3680% | 1,855 |
| Assets per employee ($millions) | 2.7595% | 5,110 |
| Cash dividends to net income (ytd only)* | 82.6446% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,786 |
| Loan loss allowance to noncurrent loans | 673.5395% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 4,001 |
| Noncurrent loans to loans | 0.2021% | 3,859 |
| Net loans and leases to total assets | 80.4263% | 877 |
| Net loans and leases to deposits | 90.9091% | 1,680 |
| Net loans and leases to core deposits | 98.7212% | 1,816 |
| Total domestic deposits to total assets | 88.4689% | 1,084 |
| Equity capital to assets | 11.2763% | 2,442 |
| Core capital (leverage) ratio | 10.9745% | 2,548 |
| Tier 1 risk-based capital ratio | 15.1135% | 2,778 |
| Total risk-based capital ratio | 16.3666% | 2,714 |
| Memoranda: | ||
| Average total assets | $176,147,800 | 3,098 |
| Average earning assets | $164,923,800 | 3,083 |
| Average equity | $20,285,400 | 3,065 |
| Average total loans | $142,338,600 | 2,739 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 1,450 |
| Cost of funding earning assets | 0.2991% | 4,525 |
| Net interest margin | 4.4918% | 755 |
| Noninterest income to average assets | 1.0028% | 956 |
| Noninterest expense to average assets | 3.6106% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2626% | 1,988 |
| Return on assets (ROA) | 1.2626% | 1,997 |
| Pretax return on assets | 1.6004% | 1,581 |
| Return on Equity (ROE) | 10.9069% | 2,213 |
| Retained earnings to average equity (ytd only) | 10.9069% | 666 |
| Net charge-offs to loans | 0.0047% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 422.3778% | 222 |
| Efficiency ratio | 69.2878% | 2,305 |
| Assets per employee ($millions) | 2.7830% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,843 |
| Loan loss allowance to noncurrent loans | 932.5472% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,390 |
| Noncurrent loans to loans | 0.1459% | 4,235 |
| Net loans and leases to total assets | 79.2374% | 1,126 |
| Net loans and leases to deposits | 89.9015% | 1,913 |
| Net loans and leases to core deposits | 97.0172% | 2,024 |
| Total domestic deposits to total assets | 88.1380% | 1,183 |
| Equity capital to assets | 11.7045% | 2,100 |
| Core capital (leverage) ratio | 11.7724% | 1,936 |
| Tier 1 risk-based capital ratio | 16.0565% | 2,428 |
| Total risk-based capital ratio | 17.3091% | 2,366 |
| Memoranda: | ||
| Average total assets | $176,032,500 | 3,117 |
| Average earning assets | $164,918,250 | 3,098 |
| Average equity | $20,378,000 | 3,081 |
| Average total loans | $141,923,250 | 2,762 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 1,394 |
| Cost of funding earning assets | 0.2831% | 4,543 |
| Net interest margin | 4.4633% | 742 |
| Noninterest income to average assets | 1.0229% | 917 |
| Noninterest expense to average assets | 3.6397% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1846% | 2,258 |
| Return on assets (ROA) | 1.1846% | 2,262 |
| Pretax return on assets | 1.5595% | 1,637 |
| Return on Equity (ROE) | 10.2720% | 2,438 |
| Retained earnings to average equity (ytd only) | 10.2720% | 848 |
| Net charge-offs to loans | 0.0028% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 680.0000% | 120 |
| Efficiency ratio | 70.0044% | 2,311 |
| Assets per employee ($millions) | 2.9109% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,850 |
| Loan loss allowance to noncurrent loans | 2,275.8621% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,785 |
| Noncurrent loans to loans | 0.0602% | 4,652 |
| Net loans and leases to total assets | 80.2507% | 981 |
| Net loans and leases to deposits | 90.9583% | 1,715 |
| Net loans and leases to core deposits | 95.8176% | 2,072 |
| Total domestic deposits to total assets | 88.2280% | 1,256 |
| Equity capital to assets | 11.5867% | 2,134 |
| Core capital (leverage) ratio | 11.6386% | 1,950 |
| Tier 1 risk-based capital ratio | 15.5702% | 2,605 |
| Total risk-based capital ratio | 16.8229% | 2,546 |
| Memoranda: | ||
| Average total assets | $174,411,000 | 3,164 |
| Average earning assets | $163,196,670 | 3,145 |
| Average equity | $20,113,000 | 3,119 |
| Average total loans | $140,792,670 | 2,786 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 1,370 |
| Cost of funding earning assets | 0.2642% | 4,622 |
| Net interest margin | 4.4080% | 756 |
| Noninterest income to average assets | 0.9882% | 932 |
| Noninterest expense to average assets | 3.6891% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0947% | 2,445 |
| Return on assets (ROA) | 1.0947% | 2,462 |
| Pretax return on assets | 1.4303% | 1,903 |
| Return on Equity (ROE) | 9.5159% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.5159% | 1,303 |
| Net charge-offs to loans | 0.0058% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 221 |
| Efficiency ratio | 72.0615% | 2,187 |
| Assets per employee ($millions) | 2.8843% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,795 |
| Loan loss allowance to noncurrent loans | 2,041.2371% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,815 |
| Noncurrent loans to loans | 0.0691% | 4,672 |
| Net loans and leases to total assets | 79.9616% | 939 |
| Net loans and leases to deposits | 90.5646% | 1,622 |
| Net loans and leases to core deposits | 95.3359% | 2,028 |
| Total domestic deposits to total assets | 88.2924% | 1,465 |
| Equity capital to assets | 11.6054% | 2,055 |
| Core capital (leverage) ratio | 11.5179% | 1,997 |
| Tier 1 risk-based capital ratio | 15.6862% | 2,599 |
| Total risk-based capital ratio | 16.9400% | 2,541 |
| Memoranda: | ||
| Average total assets | $172,833,500 | 3,212 |
| Average earning assets | $161,977,500 | 3,188 |
| Average equity | $19,882,500 | 3,169 |
| Average total loans | $138,950,000 | 2,826 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 1,769 |
| Cost of funding earning assets | 0.2528% | 4,536 |
| Net interest margin | 4.2310% | 1,126 |
| Noninterest income to average assets | 0.9121% | 1,233 |
| Noninterest expense to average assets | 3.8783% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6518% | 3,813 |
| Return on assets (ROA) | 0.6624% | 3,807 |
| Pretax return on assets | 1.0055% | 3,542 |
| Return on Equity (ROE) | 5.7512% | 3,854 |
| Retained earnings to average equity (ytd only) | 0.7458% | 4,746 |
| Net charge-offs to loans | 0.0897% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.3000% | 2,337 |
| Efficiency ratio | 79.6755% | 1,139 |
| Assets per employee ($millions) | 2.7398% | 5,364 |
| Cash dividends to net income (ytd only)* | 87.0322% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,610 |
| Loan loss allowance to noncurrent loans | 9,009.0909% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,099 |
| Noncurrent loans to loans | 0.0160% | 4,957 |
| Net loans and leases to total assets | 78.5347% | 1,213 |
| Net loans and leases to deposits | 88.7264% | 1,935 |
| Net loans and leases to core deposits | 92.4036% | 2,336 |
| Total domestic deposits to total assets | 88.5133% | 1,247 |
| Equity capital to assets | 11.4021% | 2,283 |
| Core capital (leverage) ratio | 11.1878% | 2,167 |
| Tier 1 risk-based capital ratio | 15.5294% | 2,616 |
| Total risk-based capital ratio | 16.7834% | 2,550 |
| Memoranda: | ||
| Average total assets | $173,451,400 | 3,201 |
| Average earning assets | $162,161,400 | 3,170 |
| Average equity | $19,978,600 | 3,150 |
| Average total loans | $133,749,200 | 2,863 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,876 |
| Cost of funding earning assets | 0.2531% | 4,541 |
| Net interest margin | 4.1720% | 1,223 |
| Noninterest income to average assets | 0.8921% | 1,297 |
| Noninterest expense to average assets | 3.8657% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6092% | 4,356 |
| Return on assets (ROA) | 0.6234% | 4,351 |
| Pretax return on assets | 0.9466% | 3,882 |
| Return on Equity (ROE) | 5.3989% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3989% | 2,604 |
| Net charge-offs to loans | 0.0833% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.5186% | 2,290 |
| Efficiency ratio | 80.6891% | 1,024 |
| Assets per employee ($millions) | 2.8066% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,463 |
| Loan loss allowance to noncurrent loans | 3,309.8361% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,059 |
| Noncurrent loans to loans | 0.0459% | 4,908 |
| Net loans and leases to total assets | 73.9656% | 1,923 |
| Net loans and leases to deposits | 83.7167% | 2,591 |
| Net loans and leases to core deposits | 89.3259% | 2,669 |
| Total domestic deposits to total assets | 88.3523% | 1,197 |
| Equity capital to assets | 11.5753% | 2,295 |
| Core capital (leverage) ratio | 11.5128% | 2,009 |
| Tier 1 risk-based capital ratio | 16.6986% | 2,253 |
| Total risk-based capital ratio | 17.9537% | 2,204 |
| Memoranda: | ||
| Average total assets | $173,662,000 | 3,222 |
| Average earning assets | $162,282,500 | 3,199 |
| Average equity | $20,053,000 | 3,160 |
| Average total loans | $132,801,500 | 2,897 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 1,867 |
| Cost of funding earning assets | 0.2522% | 4,522 |
| Net interest margin | 4.1333% | 1,240 |
| Noninterest income to average assets | 0.8551% | 1,404 |
| Noninterest expense to average assets | 3.9268% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5237% | 4,636 |
| Return on assets (ROA) | 0.5237% | 4,667 |
| Pretax return on assets | 0.7833% | 4,334 |
| Return on Equity (ROE) | 4.5393% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.5393% | 3,007 |
| Net charge-offs to loans | 0.1039% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.7971% | 2,395 |
| Efficiency ratio | 83.3702% | 889 |
| Assets per employee ($millions) | 2.7790% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,488 |
| Loan loss allowance to noncurrent loans | 7,815.3846% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,231 |
| Noncurrent loans to loans | 0.0196% | 5,089 |
| Net loans and leases to total assets | 74.7907% | 1,734 |
| Net loans and leases to deposits | 84.6168% | 2,388 |
| Net loans and leases to core deposits | 90.1935% | 2,501 |
| Total domestic deposits to total assets | 88.3875% | 1,261 |
| Equity capital to assets | 11.4966% | 2,321 |
| Core capital (leverage) ratio | 11.4087% | 2,038 |
| Tier 1 risk-based capital ratio | 16.6941% | 2,242 |
| Total risk-based capital ratio | 17.9497% | 2,200 |
| Memoranda: | ||
| Average total assets | $172,610,670 | 3,254 |
| Average earning assets | $160,985,330 | 3,231 |
| Average equity | $19,915,000 | 3,170 |
| Average total loans | $132,801,330 | 2,894 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 1,911 |
| Cost of funding earning assets | 0.2469% | 4,562 |
| Net interest margin | 4.0701% | 1,299 |
| Noninterest income to average assets | 0.9406% | 1,132 |
| Noninterest expense to average assets | 4.0589% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4598% | 4,739 |
| Return on assets (ROA) | 0.4598% | 4,762 |
| Pretax return on assets | 0.6909% | 4,482 |
| Return on Equity (ROE) | 3.9781% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.9781% | 3,455 |
| Net charge-offs to loans | 0.0874% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.2069% | 1,953 |
| Efficiency ratio | 85.4545% | 848 |
| Assets per employee ($millions) | 2.7442% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 1,454 |
| Loan loss allowance to noncurrent loans | 3,239.0625% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 4,079 |
| Noncurrent loans to loans | 0.0485% | 4,995 |
| Net loans and leases to total assets | 75.1576% | 1,550 |
| Net loans and leases to deposits | 85.0245% | 2,159 |
| Net loans and leases to core deposits | 90.3149% | 2,326 |
| Total domestic deposits to total assets | 88.3952% | 1,488 |
| Equity capital to assets | 11.5290% | 2,162 |
| Core capital (leverage) ratio | 11.4832% | 1,961 |
| Tier 1 risk-based capital ratio | 17.0439% | 2,170 |
| Total risk-based capital ratio | 18.3003% | 2,119 |
| Memoranda: | ||
| Average total assets | $171,377,000 | 3,298 |
| Average earning assets | $160,388,000 | 3,265 |
| Average equity | $19,808,500 | 3,191 |
| Average total loans | $132,715,000 | 2,925 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 1,559 |
| Cost of funding earning assets | 0.2178% | 4,856 |
| Net interest margin | 4.2734% | 975 |
| Noninterest income to average assets | 1.3393% | 638 |
| Noninterest expense to average assets | 3.9353% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9536% | 2,563 |
| Return on assets (ROA) | 0.9536% | 2,671 |
| Pretax return on assets | 1.3805% | 2,011 |
| Return on Equity (ROE) | 7.9592% | 2,958 |
| Retained earnings to average equity (ytd only) | 0.9731% | 4,937 |
| Net charge-offs to loans | 0.0597% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 29.6026% | 1,443 |
| Efficiency ratio | 74.0299% | 2,288 |
| Assets per employee ($millions) | 2.6134% | 5,610 |
| Cash dividends to net income (ytd only)* | 87.7743% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,433 |
| Loan loss allowance to noncurrent loans | 2,040.7767% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 4,257 |
| Noncurrent loans to loans | 0.0772% | 4,931 |
| Net loans and leases to total assets | 77.3059% | 1,312 |
| Net loans and leases to deposits | 87.5150% | 1,985 |
| Net loans and leases to core deposits | 93.0588% | 2,204 |
| Total domestic deposits to total assets | 88.3345% | 1,470 |
| Equity capital to assets | 11.5884% | 2,092 |
| Core capital (leverage) ratio | 11.3088% | 2,074 |
| Tier 1 risk-based capital ratio | 16.2130% | 2,470 |
| Total risk-based capital ratio | 17.4693% | 2,402 |
| Memoranda: | ||
| Average total assets | $167,257,000 | 3,316 |
| Average earning assets | $155,638,400 | 3,303 |
| Average equity | $20,039,800 | 3,168 |
| Average total loans | $130,664,400 | 2,911 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 1,686 |
| Cost of funding earning assets | 0.2121% | 4,955 |
| Net interest margin | 4.2412% | 1,043 |
| Noninterest income to average assets | 1.1212% | 912 |
| Noninterest expense to average assets | 3.9958% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7491% | 3,612 |
| Return on assets (ROA) | 0.7491% | 3,738 |
| Pretax return on assets | 1.0612% | 3,390 |
| Return on Equity (ROE) | 6.2000% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.2000% | 2,062 |
| Net charge-offs to loans | 0.0626% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 21.7381% | 1,805 |
| Efficiency ratio | 79.0157% | 1,554 |
| Assets per employee ($millions) | 2.5719% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 1,414 |
| Loan loss allowance to noncurrent loans | 1,210.8571% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 2,957 |
| Noncurrent loans to loans | 0.1337% | 4,807 |
| Net loans and leases to total assets | 75.8683% | 1,542 |
| Net loans and leases to deposits | 86.5339% | 2,206 |
| Net loans and leases to core deposits | 91.6932% | 2,422 |
| Total domestic deposits to total assets | 87.6747% | 1,571 |
| Equity capital to assets | 12.1138% | 2,028 |
| Core capital (leverage) ratio | 11.9254% | 1,729 |
| Tier 1 risk-based capital ratio | 16.9561% | 2,241 |
| Total risk-based capital ratio | 18.2127% | 2,198 |
| Memoranda: | ||
| Average total assets | $166,604,250 | 3,342 |
| Average earning assets | $154,606,000 | 3,330 |
| Average equity | $20,128,500 | 3,181 |
| Average total loans | $129,975,500 | 2,928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 1,636 |
| Cost of funding earning assets | 0.2045% | 5,099 |
| Net interest margin | 4.2576% | 1,004 |
| Noninterest income to average assets | 1.1561% | 839 |
| Noninterest expense to average assets | 3.9733% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8263% | 3,188 |
| Return on assets (ROA) | 0.8263% | 3,324 |
| Pretax return on assets | 1.1307% | 3,088 |
| Return on Equity (ROE) | 6.8456% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.8456% | 1,693 |
| Net charge-offs to loans | 0.0787% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.3529% | 1,829 |
| Efficiency ratio | 77.8462% | 1,812 |
| Assets per employee ($millions) | 2.7371% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 1,380 |
| Loan loss allowance to noncurrent loans | 1,075.7576% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 2,810 |
| Noncurrent loans to loans | 0.1539% | 4,824 |
| Net loans and leases to total assets | 75.7586% | 1,529 |
| Net loans and leases to deposits | 86.4320% | 2,201 |
| Net loans and leases to core deposits | 91.4830% | 2,391 |
| Total domestic deposits to total assets | 87.6511% | 1,599 |
| Equity capital to assets | 12.1698% | 1,998 |
| Core capital (leverage) ratio | 11.8166% | 1,754 |
| Tier 1 risk-based capital ratio | 17.0100% | 2,211 |
| Total risk-based capital ratio | 18.2668% | 2,171 |
| Memoranda: | ||
| Average total assets | $165,556,330 | 3,371 |
| Average earning assets | $153,514,330 | 3,357 |
| Average equity | $19,983,670 | 3,198 |
| Average total loans | $129,666,000 | 2,934 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,640 |
| Cost of funding earning assets | 0.1833% | 5,347 |
| Net interest margin | 4.2720% | 969 |
| Noninterest income to average assets | 1.1622% | 817 |
| Noninterest expense to average assets | 4.0254% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9536% | 2,498 |
| Return on assets (ROA) | 0.9536% | 2,615 |
| Pretax return on assets | 1.0943% | 3,117 |
| Return on Equity (ROE) | 7.9330% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.9330% | 1,486 |
| Net charge-offs to loans | 0.1290% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.7381% | 1,907 |
| Efficiency ratio | 78.6256% | 1,815 |
| Assets per employee ($millions) | 2.5920% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,513 |
| Loan loss allowance to noncurrent loans | 1,053.2020% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 2,626 |
| Noncurrent loans to loans | 0.1554% | 4,859 |
| Net loans and leases to total assets | 77.4392% | 1,176 |
| Net loans and leases to deposits | 88.1402% | 1,809 |
| Net loans and leases to core deposits | 92.2547% | 2,163 |
| Total domestic deposits to total assets | 87.8591% | 1,720 |
| Equity capital to assets | 12.0740% | 1,976 |
| Core capital (leverage) ratio | 11.8023% | 1,745 |
| Tier 1 risk-based capital ratio | 16.5554% | 2,458 |
| Total risk-based capital ratio | 17.8130% | 2,407 |
| Memoranda: | ||
| Average total assets | $164,853,500 | 3,387 |
| Average earning assets | $152,717,000 | 3,381 |
| Average equity | $19,816,000 | 3,222 |
| Average total loans | $130,190,000 | 2,934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 1,882 |
| Cost of funding earning assets | 0.1400% | 5,749 |
| Net interest margin | 4.2656% | 1,031 |
| Noninterest income to average assets | 1.3576% | 655 |
| Noninterest expense to average assets | 4.2774% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1867% | 1,600 |
| Return on assets (ROA) | 1.1855% | 1,679 |
| Pretax return on assets | 1.0065% | 3,447 |
| Return on Equity (ROE) | 10.0464% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.0464% | 456 |
| Net charge-offs to loans | 0.0146% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 94.7059% | 607 |
| Efficiency ratio | 80.9332% | 1,543 |
| Assets per employee ($millions) | 2.4822% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,395 |
| Loan loss allowance to noncurrent loans | 421.6634% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 1,432 |
| Noncurrent loans to loans | 0.3984% | 4,027 |
| Net loans and leases to total assets | 77.8906% | 1,135 |
| Net loans and leases to deposits | 88.5436% | 1,807 |
| Net loans and leases to core deposits | 91.6418% | 2,260 |
| Total domestic deposits to total assets | 87.9686% | 1,647 |
| Equity capital to assets | 11.9660% | 1,978 |
| Core capital (leverage) ratio | 11.6522% | 1,847 |
| Tier 1 risk-based capital ratio | 15.8617% | 2,752 |
| Total risk-based capital ratio | 17.1188% | 2,688 |
| Memoranda: | ||
| Average total assets | $159,768,200 | 3,437 |
| Average earning assets | $147,107,000 | 3,445 |
| Average equity | $18,852,600 | 3,273 |
| Average total loans | $116,515,000 | 3,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,116 |
| Cost of funding earning assets | 0.1342% | 5,894 |
| Net interest margin | 4.2037% | 1,155 |
| Noninterest income to average assets | 1.3513% | 667 |
| Noninterest expense to average assets | 4.1698% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3899% | 1,132 |
| Return on assets (ROA) | 1.3899% | 1,182 |
| Pretax return on assets | 1.0498% | 3,414 |
| Return on Equity (ROE) | 11.8222% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.8222% | 388 |
| Net charge-offs to loans | 0.4382% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.3602% | 3,510 |
| Efficiency ratio | 79.8874% | 1,676 |
| Assets per employee ($millions) | 2.5571% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 2,183 |
| Loan loss allowance to noncurrent loans | 495.9239% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 1,574 |
| Noncurrent loans to loans | 0.3013% | 4,522 |
| Net loans and leases to total assets | 74.6820% | 1,610 |
| Net loans and leases to deposits | 88.7189% | 1,808 |
| Net loans and leases to core deposits | 89.1343% | 2,542 |
| Total domestic deposits to total assets | 84.1783% | 3,350 |
| Equity capital to assets | 12.0444% | 2,066 |
| Core capital (leverage) ratio | 11.8133% | 1,806 |
| Tier 1 risk-based capital ratio | 16.5410% | 2,551 |
| Total risk-based capital ratio | 17.7961% | 2,511 |
| Memoranda: | ||
| Average total assets | $158,754,750 | 3,480 |
| Average earning assets | $146,091,250 | 3,487 |
| Average equity | $18,665,000 | 3,321 |
| Average total loans | $113,198,250 | 3,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,768 |
| Cost of funding earning assets | 0.1379% | 5,936 |
| Net interest margin | 3.9994% | 1,637 |
| Noninterest income to average assets | 1.4800% | 580 |
| Noninterest expense to average assets | 4.0994% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7471% | 575 |
| Return on assets (ROA) | 1.7471% | 603 |
| Pretax return on assets | 1.0533% | 3,369 |
| Return on Equity (ROE) | 14.9845% | 734 |
| Retained earnings to average equity (ytd only) | 14.9845% | 189 |
| Net charge-offs to loans | 0.6532% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 3,365 |
| Efficiency ratio | 79.5577% | 1,821 |
| Assets per employee ($millions) | 2.5920% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 1,841 |
| Loan loss allowance to noncurrent loans | 180.6293% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 1,119 |
| Noncurrent loans to loans | 0.8975% | 2,883 |
| Net loans and leases to total assets | 70.5069% | 2,243 |
| Net loans and leases to deposits | 80.2780% | 2,749 |
| Net loans and leases to core deposits | 80.6444% | 3,313 |
| Total domestic deposits to total assets | 87.8285% | 1,740 |
| Equity capital to assets | 12.0855% | 1,959 |
| Core capital (leverage) ratio | 11.8794% | 1,727 |
| Tier 1 risk-based capital ratio | 17.5208% | 2,212 |
| Total risk-based capital ratio | 18.7776% | 2,162 |
| Memoranda: | ||
| Average total assets | $157,974,670 | 3,518 |
| Average earning assets | $145,071,000 | 3,524 |
| Average equity | $18,419,000 | 3,370 |
| Average total loans | $110,219,670 | 3,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,050 |
| Cost of funding earning assets | 0.1436% | 5,977 |
| Net interest margin | 3.9057% | 1,879 |
| Noninterest income to average assets | 1.8796% | 387 |
| Noninterest expense to average assets | 3.9974% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4642% | 916 |
| Return on assets (ROA) | 1.4642% | 972 |
| Pretax return on assets | 1.4642% | 1,679 |
| Return on Equity (ROE) | 12.7919% | 1,141 |
| Retained earnings to average equity (ytd only) | 12.7919% | 471 |
| Net charge-offs to loans | 0.0110% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 192.6667% | 288 |
| Efficiency ratio | 73.1911% | 2,957 |
| Assets per employee ($millions) | 2.7055% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 1,097 |
| Loan loss allowance to noncurrent loans | 89.8076% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9156% | 665 |
| Noncurrent loans to loans | 2.2184% | 1,136 |
| Net loans and leases to total assets | 67.6141% | 2,512 |
| Net loans and leases to deposits | 76.5356% | 2,988 |
| Net loans and leases to core deposits | 77.0190% | 3,487 |
| Total domestic deposits to total assets | 88.3433% | 1,636 |
| Equity capital to assets | 11.5114% | 2,453 |
| Core capital (leverage) ratio | 11.3863% | 2,095 |
| Tier 1 risk-based capital ratio | 17.5946% | 2,272 |
| Total risk-based capital ratio | 17.5946% | 2,696 |
| Memoranda: | ||
| Average total assets | $157,904,500 | 3,544 |
| Average earning assets | $144,815,000 | 3,552 |
| Average equity | $18,074,000 | 3,437 |
| Average total loans | $108,670,000 | 3,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,537 |
| Cost of funding earning assets | 0.1780% | 5,922 |
| Net interest margin | 3.8692% | 2,363 |
| Noninterest income to average assets | 1.4337% | 590 |
| Noninterest expense to average assets | 4.3632% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5592% | 4,560 |
| Return on assets (ROA) | 0.5676% | 4,608 |
| Pretax return on assets | 0.5676% | 5,043 |
| Return on Equity (ROE) | 5.0593% | 4,628 |
| Retained earnings to average equity (ytd only) | 5.0593% | 2,558 |
| Net charge-offs to loans | -0.0737% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6396% | 940 |
| Assets per employee ($millions) | 2.6472% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 1,027 |
| Loan loss allowance to noncurrent loans | 92.7396% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.0989% | 636 |
| Noncurrent loans to loans | 2.2095% | 1,204 |
| Net loans and leases to total assets | 67.2412% | 2,688 |
| Net loans and leases to deposits | 75.9380% | 3,204 |
| Net loans and leases to core deposits | 76.4265% | 3,661 |
| Total domestic deposits to total assets | 88.5475% | 1,498 |
| Equity capital to assets | 11.3795% | 2,530 |
| Core capital (leverage) ratio | 10.8835% | 2,513 |
| Tier 1 risk-based capital ratio | 16.6908% | 2,643 |
| Total risk-based capital ratio | 17.9518% | 2,587 |
| Memoranda: | ||
| Average total assets | $155,756,000 | 3,555 |
| Average earning assets | $140,440,800 | 3,600 |
| Average equity | $17,472,800 | 3,459 |
| Average total loans | $103,179,200 | 3,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,647 |
| Cost of funding earning assets | 0.1850% | 5,958 |
| Net interest margin | 3.8435% | 2,462 |
| Noninterest income to average assets | 1.5616% | 517 |
| Noninterest expense to average assets | 4.3644% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6493% | 4,221 |
| Return on assets (ROA) | 0.6604% | 4,259 |
| Pretax return on assets | 0.6604% | 4,838 |
| Return on Equity (ROE) | 5.9086% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.9086% | 2,463 |
| Net charge-offs to loans | -0.1605% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0494% | 1,089 |
| Assets per employee ($millions) | 2.3737% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 1,004 |
| Loan loss allowance to noncurrent loans | 216.8116% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 3.2873% | 673 |
| Noncurrent loans to loans | 0.9966% | 3,080 |
| Net loans and leases to total assets | 64.8596% | 3,045 |
| Net loans and leases to deposits | 73.2395% | 3,527 |
| Net loans and leases to core deposits | 73.8694% | 3,955 |
| Total domestic deposits to total assets | 88.5582% | 1,471 |
| Equity capital to assets | 11.2854% | 2,672 |
| Core capital (leverage) ratio | 10.9503% | 2,531 |
| Tier 1 risk-based capital ratio | 16.9998% | 2,626 |
| Total risk-based capital ratio | 18.2616% | 2,570 |
| Memoranda: | ||
| Average total assets | $155,649,000 | 3,582 |
| Average earning assets | $139,800,500 | 3,632 |
| Average equity | $17,397,750 | 3,484 |
| Average total loans | $102,169,750 | 3,407 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,632 |
| Cost of funding earning assets | 0.1930% | 5,974 |
| Net interest margin | 3.8335% | 2,438 |
| Noninterest income to average assets | 1.8299% | 403 |
| Noninterest expense to average assets | 4.3113% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9452% | 2,570 |
| Return on assets (ROA) | 0.9452% | 2,674 |
| Pretax return on assets | 0.9452% | 3,701 |
| Return on Equity (ROE) | 8.4837% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.4837% | 1,148 |
| Net charge-offs to loans | -0.2559% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0186% | 1,742 |
| Assets per employee ($millions) | 2.4155% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 990 |
| Loan loss allowance to noncurrent loans | 209.0065% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 3.5208% | 654 |
| Noncurrent loans to loans | 1.0644% | 3,104 |
| Net loans and leases to total assets | 63.9924% | 3,075 |
| Net loans and leases to deposits | 72.3996% | 3,521 |
| Net loans and leases to core deposits | 73.0314% | 3,943 |
| Total domestic deposits to total assets | 88.3877% | 1,690 |
| Equity capital to assets | 11.4337% | 2,484 |
| Core capital (leverage) ratio | 10.9172% | 2,510 |
| Tier 1 risk-based capital ratio | 17.1710% | 2,550 |
| Total risk-based capital ratio | 18.4261% | 2,511 |
| Memoranda: | ||
| Average total assets | $155,311,000 | 3,604 |
| Average earning assets | $138,828,670 | 3,668 |
| Average equity | $17,303,670 | 3,498 |
| Average total loans | $101,608,000 | 3,422 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,577 |
| Cost of funding earning assets | 0.1985% | 6,010 |
| Net interest margin | 3.8293% | 2,348 |
| Noninterest income to average assets | 0.8865% | 1,437 |
| Noninterest expense to average assets | 4.2012% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1054% | 6,018 |
| Return on assets (ROA) | 0.1054% | 6,050 |
| Pretax return on assets | 0.1054% | 6,070 |
| Return on Equity (ROE) | 0.9581% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.9581% | 5,213 |
| Net charge-offs to loans | -0.2436% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5537% | 564 |
| Assets per employee ($millions) | 2.4116% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 1,220 |
| Loan loss allowance to noncurrent loans | 176.6181% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 3.5795% | 722 |
| Noncurrent loans to loans | 1.2235% | 3,002 |
| Net loans and leases to total assets | 63.0506% | 3,067 |
| Net loans and leases to deposits | 70.8043% | 3,499 |
| Net loans and leases to core deposits | 71.4079% | 3,931 |
| Total domestic deposits to total assets | 89.0492% | 1,627 |
| Equity capital to assets | 10.9209% | 2,795 |
| Core capital (leverage) ratio | 10.6673% | 2,743 |
| Tier 1 risk-based capital ratio | 16.1240% | 3,105 |
| Total risk-based capital ratio | 17.3854% | 3,062 |
| Memoranda: | ||
| Average total assets | $155,669,000 | 3,628 |
| Average earning assets | $139,033,500 | 3,686 |
| Average equity | $17,117,500 | 3,538 |
| Average total loans | $101,822,000 | 3,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,927 |
| Cost of funding earning assets | 0.2415% | 6,022 |
| Net interest margin | 4.0674% | 1,738 |
| Noninterest income to average assets | 1.1931% | 996 |
| Noninterest expense to average assets | 4.5696% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2125% | 5,789 |
| Return on assets (ROA) | 0.2125% | 5,849 |
| Pretax return on assets | 0.2125% | 5,915 |
| Return on Equity (ROE) | 1.9507% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.9507% | 4,846 |
| Net charge-offs to loans | 0.1196% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.7073% | 4,097 |
| Efficiency ratio | 95.5570% | 664 |
| Assets per employee ($millions) | 2.3422% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 1,402 |
| Loan loss allowance to noncurrent loans | 173.5679% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 3.6543% | 773 |
| Noncurrent loans to loans | 1.1907% | 3,159 |
| Net loans and leases to total assets | 65.0169% | 2,863 |
| Net loans and leases to deposits | 73.1190% | 3,384 |
| Net loans and leases to core deposits | 73.6166% | 3,880 |
| Total domestic deposits to total assets | 88.9192% | 1,683 |
| Equity capital to assets | 11.0724% | 2,549 |
| Core capital (leverage) ratio | 10.5708% | 2,819 |
| Tier 1 risk-based capital ratio | 15.5399% | 3,348 |
| Total risk-based capital ratio | 16.7994% | 3,298 |
| Memoranda: | ||
| Average total assets | $156,730,600 | 3,610 |
| Average earning assets | $138,293,200 | 3,692 |
| Average equity | $17,071,200 | 3,555 |
| Average total loans | $102,824,000 | 3,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,870 |
| Cost of funding earning assets | 0.2500% | 6,084 |
| Net interest margin | 4.0798% | 1,693 |
| Noninterest income to average assets | 1.0877% | 1,241 |
| Noninterest expense to average assets | 4.4331% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2382% | 5,814 |
| Return on assets (ROA) | 0.2382% | 5,902 |
| Pretax return on assets | 0.2382% | 5,983 |
| Return on Equity (ROE) | 2.1961% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.1961% | 5,004 |
| Net charge-offs to loans | 0.0557% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.5351% | 2,955 |
| Efficiency ratio | 94.9002% | 683 |
| Assets per employee ($millions) | 2.3146% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1303% | 1,446 |
| Loan loss allowance to noncurrent loans | 167.6314% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 4.0593% | 762 |
| Noncurrent loans to loans | 1.2708% | 3,282 |
| Net loans and leases to total assets | 66.1936% | 2,606 |
| Net loans and leases to deposits | 74.5329% | 3,152 |
| Net loans and leases to core deposits | 75.0468% | 3,726 |
| Total domestic deposits to total assets | 88.8113% | 1,667 |
| Equity capital to assets | 11.1743% | 2,593 |
| Core capital (leverage) ratio | 10.6327% | 2,856 |
| Tier 1 risk-based capital ratio | 15.2973% | 3,568 |
| Total risk-based capital ratio | 16.5507% | 3,522 |
| Memoranda: | ||
| Average total assets | $157,267,500 | 3,638 |
| Average earning assets | $138,141,000 | 3,735 |
| Average equity | $17,060,000 | 3,594 |
| Average total loans | $102,873,500 | 3,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,866 |
| Cost of funding earning assets | 0.2577% | 6,123 |
| Net interest margin | 4.0637% | 1,649 |
| Noninterest income to average assets | 1.1488% | 1,152 |
| Noninterest expense to average assets | 4.4341% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2708% | 5,710 |
| Return on assets (ROA) | 0.2708% | 5,847 |
| Pretax return on assets | 0.2708% | 5,951 |
| Return on Equity (ROE) | 2.5210% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.5210% | 4,690 |
| Net charge-offs to loans | -0.0584% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2436% | 756 |
| Assets per employee ($millions) | 2.2940% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 1,476 |
| Loan loss allowance to noncurrent loans | 124.3302% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 4.9086% | 627 |
| Noncurrent loans to loans | 1.7492% | 2,699 |
| Net loans and leases to total assets | 65.5709% | 2,669 |
| Net loans and leases to deposits | 73.9959% | 3,154 |
| Net loans and leases to core deposits | 74.6319% | 3,711 |
| Total domestic deposits to total assets | 88.6142% | 1,836 |
| Equity capital to assets | 10.9248% | 2,822 |
| Core capital (leverage) ratio | 10.4071% | 2,978 |
| Tier 1 risk-based capital ratio | 14.8388% | 3,882 |
| Total risk-based capital ratio | 16.0852% | 3,849 |
| Memoranda: | ||
| Average total assets | $158,769,670 | 3,634 |
| Average earning assets | $138,937,000 | 3,739 |
| Average equity | $17,056,670 | 3,614 |
| Average total loans | $102,725,000 | 3,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,924 |
| Cost of funding earning assets | 0.2680% | 6,176 |
| Net interest margin | 4.0226% | 1,701 |
| Noninterest income to average assets | 1.5235% | 666 |
| Noninterest expense to average assets | 4.6404% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3696% | 5,265 |
| Return on assets (ROA) | 0.3696% | 5,394 |
| Pretax return on assets | 0.3696% | 5,646 |
| Return on Equity (ROE) | 3.4693% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.4693% | 4,171 |
| Net charge-offs to loans | -0.1218% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6221% | 936 |
| Assets per employee ($millions) | 2.3679% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 1,500 |
| Loan loss allowance to noncurrent loans | 113.8639% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 6.9342% | 410 |
| Noncurrent loans to loans | 1.9675% | 2,655 |
| Net loans and leases to total assets | 63.5209% | 2,800 |
| Net loans and leases to deposits | 71.3599% | 3,268 |
| Net loans and leases to core deposits | 71.8391% | 3,840 |
| Total domestic deposits to total assets | 89.0149% | 1,675 |
| Equity capital to assets | 10.9499% | 3,016 |
| Core capital (leverage) ratio | 10.2382% | 3,098 |
| Tier 1 risk-based capital ratio | 14.8905% | 3,917 |
| Total risk-based capital ratio | 16.1473% | 3,873 |
| Memoranda: | ||
| Average total assets | $160,158,000 | 3,644 |
| Average earning assets | $138,814,500 | 3,780 |
| Average equity | $17,064,000 | 3,660 |
| Average total loans | $101,807,500 | 3,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 1,862 |
| Cost of funding earning assets | 0.4577% | 5,519 |
| Net interest margin | 4.4352% | 1,074 |
| Noninterest income to average assets | 0.8300% | 2,133 |
| Noninterest expense to average assets | 4.8127% | 433 |
| Loan and lease loss provision to assets | 0.2392% | 2,738 |
| Net operating income to assets | -0.3797% | 6,505 |
| Return on assets (ROA) | -0.3797% | 6,546 |
| Pretax return on assets | -0.3797% | 6,517 |
| Return on Equity (ROE) | -3.6631% | 6,531 |
| Retained earnings to average equity (ytd only) | -3.6631% | 6,327 |
| Net charge-offs to loans | 0.6656% | 1,769 |
| Credit loss provision to net charge-offs | 53.7634% | 4,604 |
| Earnings coverage of net charge-offs (x) | -0.3159% | 5,618 |
| Efficiency ratio | 103.0078% | 461 |
| Assets per employee ($millions) | 2.4122% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1986% | 1,555 |
| Loan loss allowance to noncurrent loans | 90.3745% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 6.9992% | 440 |
| Noncurrent loans to loans | 2.4327% | 2,182 |
| Net loans and leases to total assets | 60.8558% | 3,443 |
| Net loans and leases to deposits | 67.9424% | 3,994 |
| Net loans and leases to core deposits | 68.5437% | 4,474 |
| Total domestic deposits to total assets | 89.5697% | 1,208 |
| Equity capital to assets | 10.3730% | 3,666 |
| Core capital (leverage) ratio | 9.7555% | 3,718 |
| Tier 1 risk-based capital ratio | 14.8467% | 3,806 |
| Total risk-based capital ratio | 16.1068% | 3,755 |
| Memoranda: | ||
| Average total assets | $167,224,400 | 3,497 |
| Average earning assets | $144,862,600 | 3,643 |
| Average equity | $17,335,000 | 3,571 |
| Average total loans | $111,776,200 | 3,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 2,130 |
| Cost of funding earning assets | 0.5011% | 5,429 |
| Net interest margin | 4.3670% | 1,302 |
| Noninterest income to average assets | 0.7848% | 2,306 |
| Noninterest expense to average assets | 4.7127% | 459 |
| Loan and lease loss provision to assets | 0.1984% | 3,099 |
| Net operating income to assets | -0.3436% | 6,610 |
| Return on assets (ROA) | -0.3436% | 6,663 |
| Pretax return on assets | -0.3436% | 6,626 |
| Return on Equity (ROE) | -3.3151% | 6,639 |
| Retained earnings to average equity (ytd only) | -3.3151% | 6,504 |
| Net charge-offs to loans | 0.9457% | 1,145 |
| Credit loss provision to net charge-offs | 30.8642% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.2259% | 5,419 |
| Efficiency ratio | 103.1793% | 443 |
| Assets per employee ($millions) | 2.5789% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 2,710 |
| Loan loss allowance to noncurrent loans | 33.5317% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 8.2819% | 362 |
| Noncurrent loans to loans | 5.4456% | 790 |
| Net loans and leases to total assets | 66.0630% | 2,637 |
| Net loans and leases to deposits | 73.8314% | 3,308 |
| Net loans and leases to core deposits | 74.7752% | 3,882 |
| Total domestic deposits to total assets | 89.4781% | 1,142 |
| Equity capital to assets | 10.4970% | 3,852 |
| Core capital (leverage) ratio | 9.7127% | 3,937 |
| Tier 1 risk-based capital ratio | 13.8792% | 4,629 |
| Total risk-based capital ratio | 15.1353% | 4,580 |
| Memoranda: | ||
| Average total assets | $168,022,500 | 3,524 |
| Average earning assets | $145,542,000 | 3,667 |
| Average equity | $17,415,000 | 3,584 |
| Average total loans | $114,203,500 | 3,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 1,959 |
| Cost of funding earning assets | 0.5452% | 5,332 |
| Net interest margin | 4.3956% | 1,212 |
| Noninterest income to average assets | 0.6698% | 2,836 |
| Noninterest expense to average assets | 4.5854% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1089% | 6,448 |
| Return on assets (ROA) | -0.1089% | 6,543 |
| Pretax return on assets | -0.1089% | 6,523 |
| Return on Equity (ROE) | -1.0547% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.0547% | 6,218 |
| Net charge-offs to loans | 0.6299% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2534% | 5,175 |
| Efficiency ratio | 102.4319% | 479 |
| Assets per employee ($millions) | 2.3782% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 2,232 |
| Loan loss allowance to noncurrent loans | 33.6866% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 9.5155% | 297 |
| Noncurrent loans to loans | 5.9357% | 746 |
| Net loans and leases to total assets | 65.5059% | 2,769 |
| Net loans and leases to deposits | 73.3027% | 3,413 |
| Net loans and leases to core deposits | 74.2273% | 3,997 |
| Total domestic deposits to total assets | 89.3636% | 1,296 |
| Equity capital to assets | 10.4604% | 3,729 |
| Core capital (leverage) ratio | 9.8633% | 3,633 |
| Tier 1 risk-based capital ratio | 14.0494% | 4,412 |
| Total risk-based capital ratio | 15.3074% | 4,369 |
| Memoranda: | ||
| Average total assets | $169,014,330 | 3,517 |
| Average earning assets | $146,374,330 | 3,672 |
| Average equity | $17,445,000 | 3,577 |
| Average total loans | $115,250,330 | 3,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 1,915 |
| Cost of funding earning assets | 0.5918% | 5,198 |
| Net interest margin | 4.4006% | 1,226 |
| Noninterest income to average assets | 0.7940% | 2,193 |
| Noninterest expense to average assets | 4.7662% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1644% | 6,598 |
| Return on assets (ROA) | -0.1644% | 6,658 |
| Pretax return on assets | -0.1644% | 6,641 |
| Return on Equity (ROE) | -1.6036% | 6,659 |
| Retained earnings to average equity (ytd only) | -1.6036% | 6,229 |
| Net charge-offs to loans | 0.1262% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.8919% | 4,608 |
| Efficiency ratio | 103.5733% | 458 |
| Assets per employee ($millions) | 2.3404% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2138% | 1,856 |
| Loan loss allowance to noncurrent loans | 44.8488% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 8.9237% | 394 |
| Noncurrent loans to loans | 4.9361% | 1,143 |
| Net loans and leases to total assets | 65.9536% | 2,471 |
| Net loans and leases to deposits | 73.5818% | 3,182 |
| Net loans and leases to core deposits | 74.8810% | 3,763 |
| Total domestic deposits to total assets | 89.6330% | 1,282 |
| Equity capital to assets | 10.2014% | 3,848 |
| Core capital (leverage) ratio | 9.7508% | 3,705 |
| Tier 1 risk-based capital ratio | 13.6854% | 4,694 |
| Total risk-based capital ratio | 14.9465% | 4,663 |
| Memoranda: | ||
| Average total assets | $170,284,000 | 3,514 |
| Average earning assets | $147,342,500 | 3,675 |
| Average equity | $17,460,500 | 3,576 |
| Average total loans | $117,237,500 | 3,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 1,562 |
| Cost of funding earning assets | 0.7573% | 5,156 |
| Net interest margin | 4.5929% | 938 |
| Noninterest income to average assets | -0.8226% | 7,310 |
| Noninterest expense to average assets | 4.5645% | 549 |
| Loan and lease loss provision to assets | 0.4969% | 2,120 |
| Net operating income to assets | -1.9096% | 7,013 |
| Return on assets (ROA) | -1.9096% | 7,023 |
| Pretax return on assets | -1.9096% | 7,003 |
| Return on Equity (ROE) | -18.9638% | 6,972 |
| Retained earnings to average equity (ytd only) | -18.9638% | 6,957 |
| Net charge-offs to loans | 0.9554% | 1,808 |
| Credit loss provision to net charge-offs | 71.1462% | 4,811 |
| Earnings coverage of net charge-offs (x) | -2.0229% | 6,279 |
| Efficiency ratio | 144.8240% | 161 |
| Assets per employee ($millions) | 2.1759% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1704% | 1,858 |
| Loan loss allowance to noncurrent loans | 52.0829% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 8.4552% | 450 |
| Noncurrent loans to loans | 4.1671% | 1,475 |
| Net loans and leases to total assets | 68.7342% | 2,264 |
| Net loans and leases to deposits | 76.7720% | 3,044 |
| Net loans and leases to core deposits | 78.0009% | 3,690 |
| Total domestic deposits to total assets | 89.5303% | 1,247 |
| Equity capital to assets | 10.3064% | 3,779 |
| Core capital (leverage) ratio | 9.7111% | 3,734 |
| Tier 1 risk-based capital ratio | 13.6575% | 4,583 |
| Total risk-based capital ratio | 14.9181% | 4,538 |
| Memoranda: | ||
| Average total assets | $181,135,400 | 3,317 |
| Average earning assets | $156,741,200 | 3,460 |
| Average equity | $18,240,000 | 3,395 |
| Average total loans | $132,406,000 | 2,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 1,606 |
| Cost of funding earning assets | 0.7916% | 5,200 |
| Net interest margin | 4.5779% | 989 |
| Noninterest income to average assets | -1.1087% | 7,407 |
| Noninterest expense to average assets | 4.4487% | 601 |
| Loan and lease loss provision to assets | 0.6522% | 1,505 |
| Net operating income to assets | -2.2450% | 7,186 |
| Return on assets (ROA) | -2.2450% | 7,192 |
| Pretax return on assets | -2.2450% | 7,172 |
| Return on Equity (ROE) | -22.4158% | 7,129 |
| Retained earnings to average equity (ytd only) | -22.4158% | 7,118 |
| Net charge-offs to loans | 1.3382% | 1,132 |
| Credit loss provision to net charge-offs | 66.0793% | 4,604 |
| Earnings coverage of net charge-offs (x) | -1.6138% | 5,996 |
| Efficiency ratio | 155.7726% | 118 |
| Assets per employee ($millions) | 2.2797% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,363 |
| Loan loss allowance to noncurrent loans | 47.8670% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 8.3828% | 506 |
| Noncurrent loans to loans | 4.1532% | 1,586 |
| Net loans and leases to total assets | 70.8823% | 1,920 |
| Net loans and leases to deposits | 79.1950% | 2,776 |
| Net loans and leases to core deposits | 80.3000% | 3,592 |
| Total domestic deposits to total assets | 89.5036% | 1,142 |
| Equity capital to assets | 10.3215% | 3,929 |
| Core capital (leverage) ratio | 9.7550% | 3,764 |
| Tier 1 risk-based capital ratio | 13.3485% | 4,837 |
| Total risk-based capital ratio | 14.6073% | 4,802 |
| Memoranda: | ||
| Average total assets | $183,989,500 | 3,293 |
| Average earning assets | $159,342,750 | 3,440 |
| Average equity | $18,427,000 | 3,369 |
| Average total loans | $135,696,750 | 2,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4237% | 1,492 |
| Cost of funding earning assets | 0.8372% | 5,145 |
| Net interest margin | 4.5865% | 933 |
| Noninterest income to average assets | -1.9929% | 7,500 |
| Noninterest expense to average assets | 4.4347% | 643 |
| Loan and lease loss provision to assets | 0.8530% | 1,057 |
| Net operating income to assets | -3.3023% | 7,339 |
| Return on assets (ROA) | -3.3023% | 7,349 |
| Pretax return on assets | -3.3023% | 7,339 |
| Return on Equity (ROE) | -33.2862% | 7,272 |
| Retained earnings to average equity (ytd only) | -33.2862% | 7,264 |
| Net charge-offs to loans | 1.5047% | 984 |
| Credit loss provision to net charge-offs | 76.4088% | 3,874 |
| Earnings coverage of net charge-offs (x) | -2.1939% | 5,721 |
| Efficiency ratio | 223.3620% | 44 |
| Assets per employee ($millions) | 2.3156% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 2,317 |
| Loan loss allowance to noncurrent loans | 26.0167% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 9.9945% | 390 |
| Noncurrent loans to loans | 7.7622% | 603 |
| Net loans and leases to total assets | 74.6021% | 1,304 |
| Net loans and leases to deposits | 83.2572% | 2,227 |
| Net loans and leases to core deposits | 85.2588% | 3,038 |
| Total domestic deposits to total assets | 89.6043% | 1,184 |
| Equity capital to assets | 10.1434% | 3,963 |
| Core capital (leverage) ratio | 9.1572% | 4,480 |
| Tier 1 risk-based capital ratio | 12.9189% | 4,983 |
| Total risk-based capital ratio | 14.1789% | 4,954 |
| Memoranda: | ||
| Average total assets | $187,566,330 | 3,261 |
| Average earning assets | $162,694,670 | 3,392 |
| Average equity | $18,608,330 | 3,315 |
| Average total loans | $139,162,000 | 2,862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 1,818 |
| Cost of funding earning assets | 0.8967% | 4,949 |
| Net interest margin | 4.4188% | 1,241 |
| Noninterest income to average assets | -1.1957% | 7,542 |
| Noninterest expense to average assets | 4.4457% | 629 |
| Loan and lease loss provision to assets | 1.1378% | 632 |
| Net operating income to assets | -2.9562% | 7,391 |
| Return on assets (ROA) | -2.9562% | 7,395 |
| Pretax return on assets | -2.9562% | 7,373 |
| Return on Equity (ROE) | -30.1048% | 7,323 |
| Retained earnings to average equity (ytd only) | -30.1048% | 7,297 |
| Net charge-offs to loans | 1.5888% | 851 |
| Credit loss provision to net charge-offs | 97.6909% | 2,796 |
| Earnings coverage of net charge-offs (x) | -1.5613% | 4,938 |
| Efficiency ratio | 169.2126% | 96 |
| Assets per employee ($millions) | 2.4281% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 2,148 |
| Loan loss allowance to noncurrent loans | 34.1344% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 9.9159% | 421 |
| Noncurrent loans to loans | 6.2024% | 1,006 |
| Net loans and leases to total assets | 70.8596% | 1,958 |
| Net loans and leases to deposits | 78.4891% | 2,980 |
| Net loans and leases to core deposits | 80.7544% | 3,636 |
| Total domestic deposits to total assets | 90.2796% | 971 |
| Equity capital to assets | 9.5885% | 4,327 |
| Core capital (leverage) ratio | 9.1020% | 4,445 |
| Tier 1 risk-based capital ratio | 12.4863% | 5,281 |
| Total risk-based capital ratio | 13.7467% | 5,247 |
| Memoranda: | ||
| Average total assets | $193,356,000 | 3,199 |
| Average earning assets | $167,283,500 | 3,340 |
| Average equity | $18,987,000 | 3,259 |
| Average total loans | $141,745,000 | 2,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 2,229 |
| Cost of funding earning assets | 1.2415% | 4,269 |
| Net interest margin | 4.2710% | 1,914 |
| Noninterest income to average assets | 0.4044% | 4,875 |
| Noninterest expense to average assets | 4.0310% | 1,119 |
| Loan and lease loss provision to assets | 1.5756% | 920 |
| Net operating income to assets | -1.4080% | 6,880 |
| Return on assets (ROA) | -1.3571% | 6,878 |
| Pretax return on assets | -1.3571% | 6,804 |
| Return on Equity (ROE) | -15.2394% | 6,922 |
| Retained earnings to average equity (ytd only) | -15.2394% | 6,886 |
| Net charge-offs to loans | 2.0591% | 977 |
| Credit loss provision to net charge-offs | 100.0873% | 4,554 |
| Earnings coverage of net charge-offs (x) | 0.1065% | 6,015 |
| Efficiency ratio | 96.0074% | 967 |
| Assets per employee ($millions) | 2.4986% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 2,200 |
| Loan loss allowance to noncurrent loans | 49.2824% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 9.0677% | 493 |
| Noncurrent loans to loans | 4.1431% | 1,747 |
| Net loans and leases to total assets | 72.6937% | 1,946 |
| Net loans and leases to deposits | 80.8436% | 3,020 |
| Net loans and leases to core deposits | 83.5399% | 3,659 |
| Total domestic deposits to total assets | 89.9189% | 1,150 |
| Equity capital to assets | 10.0473% | 3,692 |
| Core capital (leverage) ratio | 9.2630% | 4,081 |
| Tier 1 risk-based capital ratio | 12.8891% | 4,696 |
| Total risk-based capital ratio | 14.1491% | 4,657 |
| Memoranda: | ||
| Average total assets | $218,330,400 | 2,892 |
| Average earning assets | $193,957,200 | 2,953 |
| Average equity | $19,443,000 | 3,219 |
| Average total loans | $166,916,800 | 2,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 2,513 |
| Cost of funding earning assets | 1.3040% | 4,190 |
| Net interest margin | 4.1773% | 2,306 |
| Noninterest income to average assets | 0.3610% | 5,275 |
| Noninterest expense to average assets | 3.9549% | 1,111 |
| Loan and lease loss provision to assets | 2.0310% | 582 |
| Net operating income to assets | -1.8966% | 7,209 |
| Return on assets (ROA) | -1.8299% | 7,206 |
| Pretax return on assets | -1.8299% | 7,148 |
| Return on Equity (ROE) | -21.1380% | 7,247 |
| Retained earnings to average equity (ytd only) | -21.1380% | 7,234 |
| Net charge-offs to loans | 2.4983% | 679 |
| Credit loss provision to net charge-offs | 105.6621% | 4,049 |
| Earnings coverage of net charge-offs (x) | 0.0699% | 5,963 |
| Efficiency ratio | 96.7132% | 880 |
| Assets per employee ($millions) | 2.6145% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 2,098 |
| Loan loss allowance to noncurrent loans | 44.3768% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 9.2811% | 468 |
| Noncurrent loans to loans | 4.6210% | 1,544 |
| Net loans and leases to total assets | 73.3816% | 1,934 |
| Net loans and leases to deposits | 80.4459% | 3,367 |
| Net loans and leases to core deposits | 84.8392% | 3,831 |
| Total domestic deposits to total assets | 91.2186% | 376 |
| Equity capital to assets | 8.7143% | 5,988 |
| Core capital (leverage) ratio | 7.8876% | 6,481 |
| Tier 1 risk-based capital ratio | 10.5998% | 6,706 |
| Total risk-based capital ratio | 11.8594% | 6,689 |
| Memoranda: | ||
| Average total assets | $224,190,750 | 2,857 |
| Average earning assets | $200,091,500 | 2,920 |
| Average equity | $19,408,500 | 3,268 |
| Average total loans | $172,489,750 | 2,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 2,419 |
| Cost of funding earning assets | 1.3491% | 4,192 |
| Net interest margin | 4.1766% | 2,240 |
| Noninterest income to average assets | 0.6305% | 3,124 |
| Noninterest expense to average assets | 3.7334% | 1,491 |
| Loan and lease loss provision to assets | 2.8578% | 359 |
| Net operating income to assets | -2.2153% | 7,356 |
| Return on assets (ROA) | -2.1183% | 7,344 |
| Pretax return on assets | -2.1183% | 7,270 |
| Return on Equity (ROE) | -24.5160% | 7,363 |
| Retained earnings to average equity (ytd only) | -24.5160% | 7,349 |
| Net charge-offs to loans | 3.3497% | 448 |
| Credit loss provision to net charge-offs | 110.0367% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.2474% | 5,482 |
| Efficiency ratio | 85.3157% | 1,787 |
| Assets per employee ($millions) | 2.5622% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 2,284 |
| Loan loss allowance to noncurrent loans | 42.4912% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 8.3447% | 569 |
| Noncurrent loans to loans | 4.6069% | 1,563 |
| Net loans and leases to total assets | 75.6531% | 1,557 |
| Net loans and leases to deposits | 82.8033% | 3,116 |
| Net loans and leases to core deposits | 89.2804% | 3,377 |
| Total domestic deposits to total assets | 91.3649% | 367 |
| Equity capital to assets | 8.5115% | 6,153 |
| Core capital (leverage) ratio | 7.5296% | 6,803 |
| Tier 1 risk-based capital ratio | 9.5784% | 7,228 |
| Total risk-based capital ratio | 10.8354% | 7,227 |
| Memoranda: | ||
| Average total assets | $230,944,330 | 2,797 |
| Average earning assets | $207,104,670 | 2,846 |
| Average equity | $19,954,330 | 3,178 |
| Average total loans | $179,059,670 | 2,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 1,900 |
| Cost of funding earning assets | 1.3976% | 4,195 |
| Net interest margin | 4.2687% | 1,789 |
| Noninterest income to average assets | 0.6968% | 2,622 |
| Noninterest expense to average assets | 3.5979% | 1,739 |
| Loan and lease loss provision to assets | 0.6281% | 2,019 |
| Net operating income to assets | 0.3233% | 5,199 |
| Return on assets (ROA) | 0.3233% | 5,329 |
| Pretax return on assets | 0.3233% | 5,541 |
| Return on Equity (ROE) | 3.7165% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.7165% | 3,924 |
| Net charge-offs to loans | 2.2161% | 770 |
| Credit loss provision to net charge-offs | 36.4786% | 4,706 |
| Earnings coverage of net charge-offs (x) | 0.5525% | 4,540 |
| Efficiency ratio | 79.0869% | 2,707 |
| Assets per employee ($millions) | 2.8174% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 5,168 |
| Loan loss allowance to noncurrent loans | 16.3989% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 9.0029% | 499 |
| Noncurrent loans to loans | 7.6701% | 729 |
| Net loans and leases to total assets | 75.2972% | 1,683 |
| Net loans and leases to deposits | 82.5714% | 3,183 |
| Net loans and leases to core deposits | 90.9110% | 3,242 |
| Total domestic deposits to total assets | 91.1905% | 469 |
| Equity capital to assets | 8.7331% | 5,686 |
| Core capital (leverage) ratio | 8.2552% | 5,825 |
| Tier 1 risk-based capital ratio | 9.9928% | 7,042 |
| Total risk-based capital ratio | 11.1512% | 7,083 |
| Memoranda: | ||
| Average total assets | $238,803,000 | 2,779 |
| Average earning assets | $215,520,000 | 2,796 |
| Average equity | $20,772,000 | 3,094 |
| Average total loans | $185,551,000 | 2,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 1,671 |
| Cost of funding earning assets | 1.7794% | 4,108 |
| Net interest margin | 4.2713% | 1,813 |
| Noninterest income to average assets | 0.5874% | 3,738 |
| Noninterest expense to average assets | 3.6029% | 2,139 |
| Loan and lease loss provision to assets | 0.6897% | 3,069 |
| Net operating income to assets | 0.2152% | 4,849 |
| Return on assets (ROA) | 0.2152% | 4,909 |
| Pretax return on assets | 0.2152% | 4,971 |
| Return on Equity (ROE) | 2.5114% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.5114% | 3,387 |
| Net charge-offs to loans | 0.4666% | 3,912 |
| Credit loss provision to net charge-offs | 181.5642% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.3821% | 3,946 |
| Efficiency ratio | 79.9266% | 2,902 |
| Assets per employee ($millions) | 2.9398% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,413 |
| Loan loss allowance to noncurrent loans | 27.6710% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 6.8438% | 749 |
| Noncurrent loans to loans | 5.6562% | 1,130 |
| Net loans and leases to total assets | 77.9139% | 1,406 |
| Net loans and leases to deposits | 85.3568% | 3,015 |
| Net loans and leases to core deposits | 111.1355% | 2,782 |
| Total domestic deposits to total assets | 91.2803% | 442 |
| Equity capital to assets | 8.6634% | 5,636 |
| Core capital (leverage) ratio | 8.2217% | 5,774 |
| Tier 1 risk-based capital ratio | 9.8966% | 6,960 |
| Total risk-based capital ratio | 11.1495% | 6,931 |
| Memoranda: | ||
| Average total assets | $235,612,800 | 2,759 |
| Average earning assets | $216,255,400 | 2,754 |
| Average equity | $20,188,000 | 3,166 |
| Average total loans | $191,831,000 | 2,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0793% | 1,723 |
| Cost of funding earning assets | 1.8563% | 4,116 |
| Net interest margin | 4.2230% | 1,962 |
| Noninterest income to average assets | 0.5322% | 4,219 |
| Noninterest expense to average assets | 3.6166% | 1,997 |
| Loan and lease loss provision to assets | 0.7093% | 2,604 |
| Net operating income to assets | 0.0982% | 5,470 |
| Return on assets (ROA) | 0.0982% | 5,521 |
| Pretax return on assets | 0.0982% | 5,531 |
| Return on Equity (ROE) | 1.1488% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.1488% | 4,680 |
| Net charge-offs to loans | 0.4934% | 3,254 |
| Credit loss provision to net charge-offs | 175.3156% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.9958% | 4,325 |
| Efficiency ratio | 81.7494% | 2,616 |
| Assets per employee ($millions) | 2.8561% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,571 |
| Loan loss allowance to noncurrent loans | 47.8065% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 4.7730% | 1,245 |
| Noncurrent loans to loans | 3.0879% | 2,447 |
| Net loans and leases to total assets | 79.5378% | 1,278 |
| Net loans and leases to deposits | 87.2935% | 3,089 |
| Net loans and leases to core deposits | 109.0729% | 3,342 |
| Total domestic deposits to total assets | 91.1154% | 379 |
| Equity capital to assets | 8.7709% | 5,847 |
| Core capital (leverage) ratio | 8.3610% | 5,730 |
| Tier 1 risk-based capital ratio | 9.8035% | 7,136 |
| Total risk-based capital ratio | 11.0555% | 7,100 |
| Memoranda: | ||
| Average total assets | $234,984,250 | 2,785 |
| Average earning assets | $216,555,500 | 2,767 |
| Average equity | $20,077,500 | 3,220 |
| Average total loans | $192,667,750 | 2,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0769% | 1,868 |
| Cost of funding earning assets | 1.9287% | 4,118 |
| Net interest margin | 4.1482% | 2,167 |
| Noninterest income to average assets | 0.6080% | 3,629 |
| Noninterest expense to average assets | 3.5674% | 2,150 |
| Loan and lease loss provision to assets | 0.8044% | 2,079 |
| Net operating income to assets | 0.0644% | 5,664 |
| Return on assets (ROA) | 0.0644% | 5,754 |
| Pretax return on assets | 0.0644% | 5,754 |
| Return on Equity (ROE) | 0.7598% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.7598% | 4,891 |
| Net charge-offs to loans | 0.3586% | 3,387 |
| Credit loss provision to net charge-offs | 272.2063% | 1,719 |
| Earnings coverage of net charge-offs (x) | 2.9398% | 3,628 |
| Efficiency ratio | 80.4161% | 2,975 |
| Assets per employee ($millions) | 2.9432% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,217 |
| Loan loss allowance to noncurrent loans | 70.2265% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 4.2581% | 1,357 |
| Noncurrent loans to loans | 2.1323% | 3,331 |
| Net loans and leases to total assets | 78.8101% | 1,571 |
| Net loans and leases to deposits | 86.3181% | 3,492 |
| Net loans and leases to core deposits | 109.8746% | 3,388 |
| Total domestic deposits to total assets | 91.3020% | 374 |
| Equity capital to assets | 8.5345% | 5,997 |
| Core capital (leverage) ratio | 8.1537% | 6,070 |
| Tier 1 risk-based capital ratio | 9.7423% | 7,191 |
| Total risk-based capital ratio | 10.9946% | 7,130 |
| Memoranda: | ||
| Average total assets | $236,197,670 | 2,791 |
| Average earning assets | $217,971,670 | 2,766 |
| Average equity | $20,006,330 | 3,243 |
| Average total loans | $194,636,000 | 2,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1374% | 1,804 |
| Cost of funding earning assets | 2.0051% | 4,101 |
| Net interest margin | 4.1323% | 2,154 |
| Noninterest income to average assets | 0.5715% | 3,742 |
| Noninterest expense to average assets | 3.5136% | 2,062 |
| Loan and lease loss provision to assets | 1.1498% | 1,136 |
| Net operating income to assets | -0.2553% | 6,624 |
| Return on assets (ROA) | -0.2553% | 6,703 |
| Pretax return on assets | -0.2553% | 6,628 |
| Return on Equity (ROE) | -3.0257% | 6,782 |
| Retained earnings to average equity (ytd only) | -3.0257% | 6,284 |
| Net charge-offs to loans | -0.0728% | 7,802 |
| Credit loss provision to net charge-offs | -1,888.8889% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7085% | 2,861 |
| Assets per employee ($millions) | 2.8406% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 2,973 |
| Loan loss allowance to noncurrent loans | 144.0628% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 3.0876% | 1,828 |
| Noncurrent loans to loans | 1.0429% | 4,901 |
| Net loans and leases to total assets | 82.6354% | 910 |
| Net loans and leases to deposits | 90.4899% | 2,855 |
| Net loans and leases to core deposits | 116.1434% | 2,793 |
| Total domestic deposits to total assets | 91.3201% | 318 |
| Equity capital to assets | 8.5614% | 5,970 |
| Core capital (leverage) ratio | 7.9812% | 6,484 |
| Tier 1 risk-based capital ratio | 9.4407% | 7,477 |
| Total risk-based capital ratio | 10.6933% | 7,428 |
| Memoranda: | ||
| Average total assets | $236,568,000 | 2,807 |
| Average earning assets | $219,637,500 | 2,769 |
| Average equity | $19,962,000 | 3,266 |
| Average total loans | $197,761,500 | 2,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7139% | 1,981 |
| Cost of funding earning assets | 2.3663% | 4,867 |
| Net interest margin | 4.3477% | 1,833 |
| Noninterest income to average assets | 0.6115% | 3,765 |
| Noninterest expense to average assets | 3.6828% | 1,985 |
| Loan and lease loss provision to assets | 0.4866% | 2,868 |
| Net operating income to assets | 0.5125% | 4,673 |
| Return on assets (ROA) | 0.5125% | 4,526 |
| Pretax return on assets | 0.5125% | 4,941 |
| Return on Equity (ROE) | 5.5647% | 4,127 |
| Retained earnings to average equity (ytd only) | -11.9691% | 7,243 |
| Net charge-offs to loans | 0.3352% | 3,158 |
| Credit loss provision to net charge-offs | 184.3800% | 2,690 |
| Earnings coverage of net charge-offs (x) | 3.7858% | 4,222 |
| Efficiency ratio | 78.6603% | 2,811 |
| Assets per employee ($millions) | 2.7610% | 6,655 |
| Cash dividends to net income (ytd only)* | 315.0912% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,202 |
| Loan loss allowance to noncurrent loans | 46.9841% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.9129% | 1,590 |
| Noncurrent loans to loans | 2.3612% | 2,329 |
| Net loans and leases to total assets | 82.3811% | 1,156 |
| Net loans and leases to deposits | 89.9502% | 3,465 |
| Net loans and leases to core deposits | 129.4345% | 1,894 |
| Total domestic deposits to total assets | 91.5852% | 195 |
| Equity capital to assets | 8.3186% | 6,397 |
| Core capital (leverage) ratio | 7.8584% | 6,715 |
| Tier 1 risk-based capital ratio | 9.2544% | 7,565 |
| Total risk-based capital ratio | 10.3293% | 7,700 |
| Memoranda: | ||
| Average total assets | $235,308,200 | 2,700 |
| Average earning assets | $220,302,800 | 2,655 |
| Average equity | $21,672,400 | 3,015 |
| Average total loans | $185,263,000 | 2,450 |