Home > FirsTier Bank > Performance and Condition Ratios
FirsTier 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 | 7.1603% | 197 |
| Cost of funding earning assets | 2.7101% | 243 |
| Net interest margin | 4.4502% | 660 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.9469% | 3,739 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.2560% | 318 |
| Return on assets (ROA) | 2.2560% | 308 |
| Pretax return on assets | 2.3728% | 389 |
| Return on Equity (ROE) | 19.3000% | 681 |
| Retained earnings to average equity (ytd only) | 15.4608% | 299 |
| Net charge-offs to loans | 0.0576% | 1,277 |
| Credit loss provision to net charge-offs | 153.5469% | 1,452 |
| Earnings coverage of net charge-offs (x) | 50.9153% | 1,283 |
| Efficiency ratio | 44.4014% | 4,241 |
| Assets per employee ($millions) | 8.5983% | 1,146 |
| Cash dividends to net income (ytd only)* | 19.9126% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,492 |
| Loan loss allowance to noncurrent loans | 78.4009% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 265 |
| Noncurrent loans to loans | 1.7525% | 352 |
| Net loans and leases to total assets | 79.9800% | 642 |
| Net loans and leases to deposits | 94.1967% | 923 |
| Net loans and leases to core deposits | 133.7022% | 350 |
| Total domestic deposits to total assets | 84.9100% | 2,337 |
| Equity capital to assets | 12.2254% | 1,058 |
| Core capital (leverage) ratio | 12.2498% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9134% | 1,558 |
| Memoranda: | ||
| Average total assets | $912,666,600 | 1,067 |
| Average earning assets | $880,496,600 | 1,019 |
| Average equity | $106,657,000 | 906 |
| Average total loans | $758,403,000 | 900 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0780% | 185 |
| Cost of funding earning assets | 2.5345% | 255 |
| Net interest margin | 4.5435% | 584 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.9164% | 3,775 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.4256% | 285 |
| Return on assets (ROA) | 2.4256% | 281 |
| Pretax return on assets | 2.5011% | 378 |
| Return on Equity (ROE) | 21.0100% | 638 |
| Retained earnings to average equity (ytd only) | 15.7841% | 482 |
| Net charge-offs to loans | -0.0104% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.0218% | 4,269 |
| Assets per employee ($millions) | 8.7441% | 1,025 |
| Cash dividends to net income (ytd only)* | 24.8605% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,559 |
| Loan loss allowance to noncurrent loans | 111.5923% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 492 |
| Noncurrent loans to loans | 1.2324% | 632 |
| Net loans and leases to total assets | 78.5200% | 818 |
| Net loans and leases to deposits | 91.7824% | 1,071 |
| Net loans and leases to core deposits | 119.7440% | 554 |
| Total domestic deposits to total assets | 85.5400% | 2,339 |
| Equity capital to assets | 11.5827% | 1,158 |
| Core capital (leverage) ratio | 11.8465% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4205% | 1,744 |
| Memoranda: | ||
| Average total assets | $906,529,500 | 1,079 |
| Average earning assets | $874,783,000 | 1,028 |
| Average equity | $104,676,750 | 912 |
| Average total loans | $757,989,000 | 902 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9849% | 176 |
| Cost of funding earning assets | 2.3084% | 271 |
| Net interest margin | 4.6765% | 477 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9039% | 3,812 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.5670% | 228 |
| Return on assets (ROA) | 2.5670% | 226 |
| Pretax return on assets | 2.6462% | 297 |
| Return on Equity (ROE) | 22.2600% | 528 |
| Retained earnings to average equity (ytd only) | 14.2765% | 648 |
| Net charge-offs to loans | -0.0121% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.8751% | 4,367 |
| Assets per employee ($millions) | 7.9556% | 1,341 |
| Cash dividends to net income (ytd only)* | 35.8517% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,615 |
| Loan loss allowance to noncurrent loans | 112.8957% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 359 |
| Noncurrent loans to loans | 1.2203% | 579 |
| Net loans and leases to total assets | 85.1900% | 193 |
| Net loans and leases to deposits | 99.7919% | 520 |
| Net loans and leases to core deposits | 115.2773% | 643 |
| Total domestic deposits to total assets | 85.3700% | 2,437 |
| Equity capital to assets | 11.7220% | 1,126 |
| Core capital (leverage) ratio | 11.8849% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7227% | 2,014 |
| Memoranda: | ||
| Average total assets | $891,003,333 | 1,093 |
| Average earning assets | $858,076,000 | 1,039 |
| Average equity | $102,770,333 | 920 |
| Average total loans | $757,729,000 | 892 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7993% | 135 |
| Cost of funding earning assets | 2.1127% | 229 |
| Net interest margin | 4.6867% | 452 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.8915% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6823% | 207 |
| Return on assets (ROA) | 2.6823% | 204 |
| Pretax return on assets | 2.7933% | 252 |
| Return on Equity (ROE) | 23.3400% | 488 |
| Retained earnings to average equity (ytd only) | 23.3449% | 227 |
| Net charge-offs to loans | -0.0086% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.4028% | 4,437 |
| Assets per employee ($millions) | 8.3543% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,481 |
| Loan loss allowance to noncurrent loans | 114.8780% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 243 |
| Noncurrent loans to loans | 1.2492% | 551 |
| Net loans and leases to total assets | 82.4600% | 327 |
| Net loans and leases to deposits | 93.7926% | 800 |
| Net loans and leases to core deposits | 107.4633% | 780 |
| Total domestic deposits to total assets | 87.9200% | 1,955 |
| Equity capital to assets | 11.6217% | 1,119 |
| Core capital (leverage) ratio | 11.7161% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7654% | 2,061 |
| Memoranda: | ||
| Average total assets | $886,706,000 | 1,114 |
| Average earning assets | $856,730,000 | 1,062 |
| Average equity | $101,881,000 | 934 |
| Average total loans | $748,313,000 | 912 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4102% | 174 |
| Cost of funding earning assets | 0.9323% | 219 |
| Net interest margin | 4.4779% | 305 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 2.0177% | 3,538 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.9692% | 315 |
| Return on assets (ROA) | 1.9692% | 303 |
| Pretax return on assets | 2.0057% | 475 |
| Return on Equity (ROE) | 18.6100% | 619 |
| Retained earnings to average equity (ytd only) | 15.9817% | 228 |
| Net charge-offs to loans | 0.0291% | 1,483 |
| Credit loss provision to net charge-offs | 1,143.5897% | 394 |
| Earnings coverage of net charge-offs (x) | 92.7026% | 1,009 |
| Efficiency ratio | 46.8620% | 4,305 |
| Assets per employee ($millions) | 8.0662% | 1,285 |
| Cash dividends to net income (ytd only)* | 14.1397% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,312 |
| Loan loss allowance to noncurrent loans | 115.1612% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4499% | 228 |
| Noncurrent loans to loans | 1.2671% | 543 |
| Net loans and leases to total assets | 83.9100% | 261 |
| Net loans and leases to deposits | 95.0613% | 708 |
| Net loans and leases to core deposits | 109.1156% | 636 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 11.3533% | 1,128 |
| Core capital (leverage) ratio | 11.7623% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4108% | 2,196 |
| Memoranda: | ||
| Average total assets | $790,114,400 | 1,195 |
| Average earning assets | $756,936,600 | 1,162 |
| Average equity | $83,589,200 | 1,094 |
| Average total loans | $670,699,600 | 942 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 210 |
| Cost of funding earning assets | 0.7140% | 247 |
| Net interest margin | 4.2901% | 343 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.9562% | 3,608 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.9425% | 317 |
| Return on assets (ROA) | 1.9425% | 314 |
| Pretax return on assets | 1.9657% | 501 |
| Return on Equity (ROE) | 18.7500% | 553 |
| Retained earnings to average equity (ytd only) | 15.0714% | 362 |
| Net charge-offs to loans | 0.0272% | 1,280 |
| Credit loss provision to net charge-offs | 1,236.8421% | 353 |
| Earnings coverage of net charge-offs (x) | 97.7068% | 962 |
| Efficiency ratio | 46.5006% | 4,351 |
| Assets per employee ($millions) | 7.7064% | 1,478 |
| Cash dividends to net income (ytd only)* | 19.6148% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,509 |
| Loan loss allowance to noncurrent loans | 81.7215% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7309% | 179 |
| Noncurrent loans to loans | 1.7488% | 373 |
| Net loans and leases to total assets | 85.3600% | 163 |
| Net loans and leases to deposits | 95.4289% | 580 |
| Net loans and leases to core deposits | 111.4121% | 427 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 10.1597% | 1,538 |
| Core capital (leverage) ratio | 10.4432% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8725% | 2,856 |
| Memoranda: | ||
| Average total assets | $769,856,000 | 1,224 |
| Average earning assets | $735,969,250 | 1,191 |
| Average equity | $79,760,500 | 1,144 |
| Average total loans | $652,932,250 | 962 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 298 |
| Cost of funding earning assets | 0.5464% | 400 |
| Net interest margin | 4.0669% | 427 |
| Noninterest income to average assets | 0.1028% | 4,471 |
| Noninterest expense to average assets | 2.0151% | 3,391 |
| Loan and lease loss provision to assets | 0.2040% | 404 |
| Net operating income to assets | 1.7361% | 390 |
| Return on assets (ROA) | 1.7361% | 387 |
| Pretax return on assets | 1.7612% | 655 |
| Return on Equity (ROE) | 16.6374% | 616 |
| Retained earnings to average equity (ytd only) | 11.0080% | 783 |
| Net charge-offs to loans | 0.0416% | 970 |
| Credit loss provision to net charge-offs | 583.2061% | 584 |
| Earnings coverage of net charge-offs (x) | 56.1832% | 1,106 |
| Efficiency ratio | 50.6272% | 4,212 |
| Assets per employee ($millions) | 7.5475% | 1,581 |
| Cash dividends to net income (ytd only)* | 33.8357% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,617 |
| Loan loss allowance to noncurrent loans | 71.3140% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 146 |
| Noncurrent loans to loans | 2.0111% | 324 |
| Net loans and leases to total assets | 83.2958% | 219 |
| Net loans and leases to deposits | 95.7930% | 441 |
| Net loans and leases to core deposits | 113.5950% | 286 |
| Total domestic deposits to total assets | 86.9539% | 2,954 |
| Equity capital to assets | 10.2780% | 1,548 |
| Core capital (leverage) ratio | 10.4253% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6818% | 2,887 |
| Memoranda: | ||
| Average total assets | $749,045,333 | 1,256 |
| Average earning assets | $714,148,000 | 1,226 |
| Average equity | $78,161,333 | 1,193 |
| Average total loans | $630,320,667 | 983 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 422 |
| Cost of funding earning assets | 0.5113% | 467 |
| Net interest margin | 3.8137% | 622 |
| Noninterest income to average assets | 0.1094% | 4,461 |
| Noninterest expense to average assets | 2.0102% | 3,401 |
| Loan and lease loss provision to assets | 0.0887% | 933 |
| Net operating income to assets | 1.6640% | 441 |
| Return on assets (ROA) | 1.6640% | 444 |
| Pretax return on assets | 1.6928% | 692 |
| Return on Equity (ROE) | 15.8206% | 550 |
| Retained earnings to average equity (ytd only) | 15.8206% | 243 |
| Net charge-offs to loans | 0.0596% | 717 |
| Credit loss provision to net charge-offs | 177.1739% | 813 |
| Earnings coverage of net charge-offs (x) | 35.5761% | 1,061 |
| Efficiency ratio | 53.0146% | 4,123 |
| Assets per employee ($millions) | 7.6327% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,821 |
| Loan loss allowance to noncurrent loans | 70.2728% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.9702% | 148 |
| Noncurrent loans to loans | 2.0259% | 359 |
| Net loans and leases to total assets | 80.3771% | 226 |
| Net loans and leases to deposits | 90.4540% | 485 |
| Net loans and leases to core deposits | 106.4532% | 340 |
| Total domestic deposits to total assets | 88.8597% | 2,142 |
| Equity capital to assets | 10.3207% | 1,679 |
| Core capital (leverage) ratio | 10.6465% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8015% | 2,936 |
| Memoranda: | ||
| Average total assets | $734,870,500 | 1,275 |
| Average earning assets | $709,544,000 | 1,241 |
| Average equity | $77,291,500 | 1,227 |
| Average total loans | $617,001,500 | 998 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 430 |
| Cost of funding earning assets | 0.6973% | 328 |
| Net interest margin | 3.9900% | 726 |
| Noninterest income to average assets | 0.1707% | 4,302 |
| Noninterest expense to average assets | 2.0655% | 3,483 |
| Loan and lease loss provision to assets | 0.6243% | 82 |
| Net operating income to assets | 1.2943% | 1,615 |
| Return on assets (ROA) | 1.2943% | 1,666 |
| Pretax return on assets | 1.3116% | 2,322 |
| Return on Equity (ROE) | 12.1285% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.8825% | 1,587 |
| Net charge-offs to loans | 0.2132% | 438 |
| Credit loss provision to net charge-offs | 357.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 11.0769% | 2,174 |
| Efficiency ratio | 51.6197% | 4,147 |
| Assets per employee ($millions) | 7.1361% | 1,841 |
| Cash dividends to net income (ytd only)* | 35.0088% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,777 |
| Loan loss allowance to noncurrent loans | 67.7641% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1708% | 139 |
| Noncurrent loans to loans | 2.1205% | 357 |
| Net loans and leases to total assets | 85.3340% | 79 |
| Net loans and leases to deposits | 97.3011% | 270 |
| Net loans and leases to core deposits | 112.6732% | 247 |
| Total domestic deposits to total assets | 87.7010% | 2,194 |
| Equity capital to assets | 10.7305% | 1,992 |
| Core capital (leverage) ratio | 10.9687% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8049% | 2,928 |
| Memoranda: | ||
| Average total assets | $617,955,000 | 1,417 |
| Average earning assets | $593,278,200 | 1,388 |
| Average equity | $65,943,800 | 1,412 |
| Average total loans | $506,464,600 | 1,153 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 388 |
| Cost of funding earning assets | 0.7416% | 318 |
| Net interest margin | 4.0909% | 665 |
| Noninterest income to average assets | 0.1817% | 4,289 |
| Noninterest expense to average assets | 1.9840% | 3,730 |
| Loan and lease loss provision to assets | 0.3704% | 187 |
| Net operating income to assets | 1.7298% | 775 |
| Return on assets (ROA) | 1.7298% | 809 |
| Pretax return on assets | 1.7481% | 1,285 |
| Return on Equity (ROE) | 16.2363% | 899 |
| Retained earnings to average equity (ytd only) | 10.3551% | 1,212 |
| Net charge-offs to loans | -0.0272% | 4,093 |
| Credit loss provision to net charge-offs | -1,688.7755% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3609% | 4,338 |
| Assets per employee ($millions) | 6.6961% | 2,100 |
| Cash dividends to net income (ytd only)* | 36.2225% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,897 |
| Loan loss allowance to noncurrent loans | 1,748.6486% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 1,768 |
| Noncurrent loans to loans | 0.0817% | 3,676 |
| Net loans and leases to total assets | 80.7793% | 252 |
| Net loans and leases to deposits | 90.6173% | 570 |
| Net loans and leases to core deposits | 104.0093% | 454 |
| Total domestic deposits to total assets | 89.1433% | 1,201 |
| Equity capital to assets | 9.8946% | 3,006 |
| Core capital (leverage) ratio | 10.3155% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7190% | 3,014 |
| Memoranda: | ||
| Average total assets | $595,826,250 | 1,475 |
| Average earning assets | $571,036,000 | 1,444 |
| Average equity | $63,477,750 | 1,470 |
| Average total loans | $480,168,750 | 1,222 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 353 |
| Cost of funding earning assets | 0.7812% | 315 |
| Net interest margin | 4.1934% | 593 |
| Noninterest income to average assets | 0.1782% | 4,309 |
| Noninterest expense to average assets | 1.9966% | 3,710 |
| Loan and lease loss provision to assets | 0.2532% | 384 |
| Net operating income to assets | 1.9464% | 539 |
| Return on assets (ROA) | 1.9464% | 558 |
| Pretax return on assets | 1.9666% | 888 |
| Return on Equity (ROE) | 17.7815% | 677 |
| Retained earnings to average equity (ytd only) | 8.8605% | 1,752 |
| Net charge-offs to loans | -0.0431% | 4,303 |
| Credit loss provision to net charge-offs | -733.3333% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3532% | 4,436 |
| Assets per employee ($millions) | 6.0131% | 2,597 |
| Cash dividends to net income (ytd only)* | 50.1702% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 2,002 |
| Loan loss allowance to noncurrent loans | 1,242.9091% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 1,834 |
| Noncurrent loans to loans | 0.1121% | 3,628 |
| Net loans and leases to total assets | 80.4336% | 289 |
| Net loans and leases to deposits | 90.9596% | 592 |
| Net loans and leases to core deposits | 106.8190% | 445 |
| Total domestic deposits to total assets | 88.4278% | 1,607 |
| Equity capital to assets | 10.5534% | 2,349 |
| Core capital (leverage) ratio | 10.6623% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9901% | 2,959 |
| Memoranda: | ||
| Average total assets | $573,465,333 | 1,513 |
| Average earning assets | $552,249,333 | 1,479 |
| Average equity | $62,773,000 | 1,470 |
| Average total loans | $459,139,333 | 1,268 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 229 |
| Cost of funding earning assets | 0.7960% | 359 |
| Net interest margin | 4.5168% | 344 |
| Noninterest income to average assets | 0.2016% | 4,176 |
| Noninterest expense to average assets | 1.9666% | 3,815 |
| Loan and lease loss provision to assets | 0.1251% | 1,096 |
| Net operating income to assets | 2.4348% | 291 |
| Return on assets (ROA) | 2.4348% | 315 |
| Pretax return on assets | 2.4584% | 467 |
| Return on Equity (ROE) | 21.8228% | 405 |
| Retained earnings to average equity (ytd only) | 21.8228% | 214 |
| Net charge-offs to loans | -0.0902% | 4,602 |
| Credit loss provision to net charge-offs | -175.0000% | 2,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2207% | 4,618 |
| Assets per employee ($millions) | 6.1233% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 2,100 |
| Loan loss allowance to noncurrent loans | 785.7500% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,741 |
| Noncurrent loans to loans | 0.1745% | 3,487 |
| Net loans and leases to total assets | 76.9377% | 542 |
| Net loans and leases to deposits | 87.3674% | 864 |
| Net loans and leases to core deposits | 101.2719% | 660 |
| Total domestic deposits to total assets | 88.0623% | 1,819 |
| Equity capital to assets | 10.9105% | 1,929 |
| Core capital (leverage) ratio | 11.3928% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,542,500 | 1,538 |
| Average earning assets | $538,695,500 | 1,499 |
| Average equity | $62,430,000 | 1,467 |
| Average total loans | $443,463,000 | 1,299 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 437 |
| Cost of funding earning assets | 1.1242% | 364 |
| Net interest margin | 3.9369% | 1,122 |
| Noninterest income to average assets | 0.1861% | 4,361 |
| Noninterest expense to average assets | 2.2135% | 3,640 |
| Loan and lease loss provision to assets | 0.1900% | 2,046 |
| Net operating income to assets | 1.5397% | 727 |
| Return on assets (ROA) | 1.5397% | 789 |
| Pretax return on assets | 1.5622% | 1,159 |
| Return on Equity (ROE) | 12.6852% | 1,124 |
| Retained earnings to average equity (ytd only) | 8.0449% | 1,036 |
| Net charge-offs to loans | 0.0513% | 2,059 |
| Credit loss provision to net charge-offs | 455.5000% | 1,325 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,341 |
| Efficiency ratio | 55.8151% | 4,007 |
| Assets per employee ($millions) | 5.7124% | 2,610 |
| Cash dividends to net income (ytd only)* | 36.5804% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,962 |
| Loan loss allowance to noncurrent loans | 679.2090% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 1,703 |
| Noncurrent loans to loans | 0.2066% | 3,463 |
| Net loans and leases to total assets | 79.5034% | 460 |
| Net loans and leases to deposits | 90.9307% | 855 |
| Net loans and leases to core deposits | 106.0779% | 638 |
| Total domestic deposits to total assets | 87.4330% | 1,732 |
| Equity capital to assets | 11.4304% | 1,935 |
| Core capital (leverage) ratio | 11.6710% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,379,600 | 1,613 |
| Average earning assets | $460,234,000 | 1,560 |
| Average equity | $58,185,800 | 1,481 |
| Average total loans | $389,756,800 | 1,400 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 410 |
| Cost of funding earning assets | 1.2002% | 376 |
| Net interest margin | 4.0046% | 1,105 |
| Noninterest income to average assets | 0.1738% | 4,425 |
| Noninterest expense to average assets | 2.2043% | 3,669 |
| Loan and lease loss provision to assets | 0.1709% | 2,289 |
| Net operating income to assets | 1.6174% | 692 |
| Return on assets (ROA) | 1.6174% | 763 |
| Pretax return on assets | 1.6414% | 1,086 |
| Return on Equity (ROE) | 13.1080% | 1,074 |
| Retained earnings to average equity (ytd only) | 6.8529% | 1,756 |
| Net charge-offs to loans | 0.0796% | 1,511 |
| Credit loss provision to net charge-offs | 263.4361% | 1,880 |
| Earnings coverage of net charge-offs (x) | 27.9295% | 1,645 |
| Efficiency ratio | 54.8787% | 4,054 |
| Assets per employee ($millions) | 5.4489% | 2,754 |
| Cash dividends to net income (ytd only)* | 47.7200% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,773 |
| Loan loss allowance to noncurrent loans | 390.0275% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,379 |
| Noncurrent loans to loans | 0.3566% | 3,012 |
| Net loans and leases to total assets | 81.9834% | 432 |
| Net loans and leases to deposits | 95.7038% | 779 |
| Net loans and leases to core deposits | 113.1266% | 591 |
| Total domestic deposits to total assets | 85.6637% | 2,193 |
| Equity capital to assets | 12.0362% | 1,651 |
| Core capital (leverage) ratio | 11.9698% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,412,000 | 1,631 |
| Average earning assets | $447,568,500 | 1,581 |
| Average equity | $57,551,250 | 1,485 |
| Average total loans | $380,102,750 | 1,414 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 444 |
| Cost of funding earning assets | 1.2837% | 387 |
| Net interest margin | 4.0643% | 1,185 |
| Noninterest income to average assets | 0.2064% | 4,245 |
| Noninterest expense to average assets | 2.1688% | 3,882 |
| Loan and lease loss provision to assets | 0.1383% | 2,633 |
| Net operating income to assets | 1.7731% | 532 |
| Return on assets (ROA) | 1.7731% | 582 |
| Pretax return on assets | 1.7988% | 818 |
| Return on Equity (ROE) | 14.2447% | 844 |
| Retained earnings to average equity (ytd only) | 4.7809% | 2,572 |
| Net charge-offs to loans | 0.1240% | 1,101 |
| Credit loss provision to net charge-offs | 137.8261% | 2,191 |
| Earnings coverage of net charge-offs (x) | 19.3043% | 1,730 |
| Efficiency ratio | 52.8212% | 4,288 |
| Assets per employee ($millions) | 5.4212% | 2,716 |
| Cash dividends to net income (ytd only)* | 66.4370% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,889 |
| Loan loss allowance to noncurrent loans | 577.3848% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 1,661 |
| Noncurrent loans to loans | 0.2296% | 3,553 |
| Net loans and leases to total assets | 81.2719% | 472 |
| Net loans and leases to deposits | 94.3904% | 924 |
| Net loans and leases to core deposits | 111.9619% | 663 |
| Total domestic deposits to total assets | 86.1019% | 1,969 |
| Equity capital to assets | 11.6400% | 1,880 |
| Core capital (leverage) ratio | 11.7036% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $458,417,000 | 1,631 |
| Average earning assets | $439,828,667 | 1,578 |
| Average equity | $57,060,000 | 1,488 |
| Average total loans | $370,898,667 | 1,427 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 467 |
| Cost of funding earning assets | 1.4388% | 336 |
| Net interest margin | 3.9535% | 1,522 |
| Noninterest income to average assets | 0.2368% | 4,136 |
| Noninterest expense to average assets | 2.2152% | 3,972 |
| Loan and lease loss provision to assets | 0.0680% | 2,904 |
| Net operating income to assets | 1.7090% | 505 |
| Return on assets (ROA) | 1.7090% | 557 |
| Pretax return on assets | 1.7398% | 793 |
| Return on Equity (ROE) | 13.2494% | 838 |
| Retained earnings to average equity (ytd only) | 13.2494% | 300 |
| Net charge-offs to loans | 0.0963% | 1,109 |
| Credit loss provision to net charge-offs | 88.2353% | 1,900 |
| Earnings coverage of net charge-offs (x) | 23.4471% | 1,329 |
| Efficiency ratio | 55.0620% | 4,302 |
| Assets per employee ($millions) | 5.2209% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 1,503 |
| Loan loss allowance to noncurrent loans | 464.8506% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 1,510 |
| Noncurrent loans to loans | 0.3135% | 3,371 |
| Net loans and leases to total assets | 79.6558% | 736 |
| Net loans and leases to deposits | 92.1719% | 1,264 |
| Net loans and leases to core deposits | 109.9378% | 850 |
| Total domestic deposits to total assets | 86.4208% | 1,816 |
| Equity capital to assets | 12.8925% | 1,492 |
| Core capital (leverage) ratio | 12.9905% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,959,000 | 1,646 |
| Average earning assets | $422,305,500 | 1,592 |
| Average equity | $56,878,000 | 1,478 |
| Average total loans | $353,184,000 | 1,442 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 286 |
| Cost of funding earning assets | 1.3820% | 600 |
| Net interest margin | 4.4848% | 737 |
| Noninterest income to average assets | 0.2281% | 4,303 |
| Noninterest expense to average assets | 2.3910% | 3,708 |
| Loan and lease loss provision to assets | 0.1021% | 2,021 |
| Net operating income to assets | 1.9817% | 369 |
| Return on assets (ROA) | 1.9817% | 381 |
| Pretax return on assets | 2.0063% | 594 |
| Return on Equity (ROE) | 14.3465% | 833 |
| Retained earnings to average equity (ytd only) | 10.5547% | 390 |
| Net charge-offs to loans | 0.0065% | 3,445 |
| Credit loss provision to net charge-offs | 1,950.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 402.5500% | 226 |
| Efficiency ratio | 53.1401% | 4,504 |
| Assets per employee ($millions) | 5.3447% | 2,200 |
| Cash dividends to net income (ytd only)* | 26.4306% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 1,110 |
| Loan loss allowance to noncurrent loans | 1,118.1435% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 1,686 |
| Noncurrent loans to loans | 0.1380% | 3,974 |
| Net loans and leases to total assets | 78.1034% | 1,068 |
| Net loans and leases to deposits | 90.3684% | 1,544 |
| Net loans and leases to core deposits | 107.0378% | 1,044 |
| Total domestic deposits to total assets | 86.4278% | 1,874 |
| Equity capital to assets | 12.9051% | 1,577 |
| Core capital (leverage) ratio | 13.3994% | 1,082 |
| Tier 1 risk-based capital ratio | 13.5165% | 3,513 |
| Total risk-based capital ratio | 14.7667% | 3,410 |
| Memoranda: | ||
| Average total assets | $381,842,600 | 1,798 |
| Average earning assets | $363,675,200 | 1,768 |
| Average equity | $52,744,400 | 1,522 |
| Average total loans | $305,619,200 | 1,581 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 280 |
| Cost of funding earning assets | 1.3533% | 671 |
| Net interest margin | 4.5643% | 666 |
| Noninterest income to average assets | 0.2168% | 4,430 |
| Noninterest expense to average assets | 2.4190% | 3,633 |
| Loan and lease loss provision to assets | 0.1048% | 1,841 |
| Net operating income to assets | 2.0093% | 387 |
| Return on assets (ROA) | 2.0093% | 405 |
| Pretax return on assets | 2.0342% | 641 |
| Return on Equity (ROE) | 14.2713% | 933 |
| Retained earnings to average equity (ytd only) | 9.1396% | 1,010 |
| Net charge-offs to loans | 0.0090% | 3,042 |
| Credit loss provision to net charge-offs | 1,450.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 296.0056% | 316 |
| Efficiency ratio | 53.0713% | 4,488 |
| Assets per employee ($millions) | 4.9101% | 2,652 |
| Cash dividends to net income (ytd only)* | 35.9583% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,045 |
| Loan loss allowance to noncurrent loans | 1,017.6125% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 1,648 |
| Noncurrent loans to loans | 0.1549% | 3,984 |
| Net loans and leases to total assets | 80.6309% | 754 |
| Net loans and leases to deposits | 93.9425% | 1,222 |
| Net loans and leases to core deposits | 111.5716% | 866 |
| Total domestic deposits to total assets | 85.8300% | 2,067 |
| Equity capital to assets | 13.3690% | 1,424 |
| Core capital (leverage) ratio | 13.9504% | 1,000 |
| Tier 1 risk-based capital ratio | 13.7031% | 3,478 |
| Total risk-based capital ratio | 14.9538% | 3,383 |
| Memoranda: | ||
| Average total assets | $369,073,000 | 1,862 |
| Average earning assets | $351,035,500 | 1,826 |
| Average equity | $51,963,250 | 1,546 |
| Average total loans | $296,167,500 | 1,632 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9525% | 257 |
| Cost of funding earning assets | 1.3343% | 673 |
| Net interest margin | 4.6182% | 597 |
| Noninterest income to average assets | 0.3102% | 3,852 |
| Noninterest expense to average assets | 2.5142% | 3,430 |
| Loan and lease loss provision to assets | 0.0224% | 3,361 |
| Net operating income to assets | 2.1319% | 305 |
| Return on assets (ROA) | 2.1319% | 316 |
| Pretax return on assets | 2.1565% | 493 |
| Return on Equity (ROE) | 14.8611% | 787 |
| Retained earnings to average equity (ytd only) | 7.0702% | 1,773 |
| Net charge-offs to loans | 0.0084% | 2,839 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 324.9167% | 242 |
| Efficiency ratio | 53.5723% | 4,515 |
| Assets per employee ($millions) | 4.5134% | 3,121 |
| Cash dividends to net income (ytd only)* | 52.4246% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 871 |
| Loan loss allowance to noncurrent loans | 430.7559% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 805 |
| Noncurrent loans to loans | 0.3879% | 3,137 |
| Net loans and leases to total assets | 79.8001% | 912 |
| Net loans and leases to deposits | 93.9533% | 1,267 |
| Net loans and leases to core deposits | 104.8512% | 1,312 |
| Total domestic deposits to total assets | 84.9360% | 2,504 |
| Equity capital to assets | 14.2453% | 1,032 |
| Core capital (leverage) ratio | 14.4372% | 846 |
| Tier 1 risk-based capital ratio | 14.7170% | 2,953 |
| Total risk-based capital ratio | 15.9687% | 2,884 |
| Memoranda: | ||
| Average total assets | $357,888,670 | 1,908 |
| Average earning assets | $339,654,000 | 1,870 |
| Average equity | $51,342,000 | 1,557 |
| Average total loans | $284,943,000 | 1,690 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8604% | 277 |
| Cost of funding earning assets | 1.2732% | 719 |
| Net interest margin | 4.5872% | 623 |
| Noninterest income to average assets | 0.3084% | 3,811 |
| Noninterest expense to average assets | 2.4980% | 3,515 |
| Loan and lease loss provision to assets | 0.0452% | 2,743 |
| Net operating income to assets | 2.0890% | 333 |
| Return on assets (ROA) | 2.0890% | 348 |
| Pretax return on assets | 2.1128% | 509 |
| Return on Equity (ROE) | 14.5095% | 855 |
| Retained earnings to average equity (ytd only) | 14.5095% | 313 |
| Net charge-offs to loans | 0.0014% | 2,712 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,910.0000% | 17 |
| Efficiency ratio | 53.6520% | 4,563 |
| Assets per employee ($millions) | 4.4294% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 792 |
| Loan loss allowance to noncurrent loans | 1,158.2751% | 534 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 1,037 |
| Noncurrent loans to loans | 0.1503% | 4,063 |
| Net loans and leases to total assets | 78.1646% | 1,119 |
| Net loans and leases to deposits | 92.5752% | 1,331 |
| Net loans and leases to core deposits | 102.5821% | 1,409 |
| Total domestic deposits to total assets | 84.4336% | 2,877 |
| Equity capital to assets | 14.4799% | 883 |
| Core capital (leverage) ratio | 14.8674% | 729 |
| Tier 1 risk-based capital ratio | 15.4697% | 2,664 |
| Total risk-based capital ratio | 16.7222% | 2,578 |
| Memoranda: | ||
| Average total assets | $354,040,000 | 1,936 |
| Average earning assets | $335,540,500 | 1,897 |
| Average equity | $50,973,500 | 1,555 |
| Average total loans | $279,066,500 | 1,725 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 326 |
| Cost of funding earning assets | 0.9096% | 1,054 |
| Net interest margin | 4.7078% | 479 |
| Noninterest income to average assets | 0.3624% | 3,673 |
| Noninterest expense to average assets | 2.6592% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1332% | 283 |
| Return on assets (ROA) | 2.1332% | 276 |
| Pretax return on assets | 2.1612% | 386 |
| Return on Equity (ROE) | 14.2298% | 997 |
| Retained earnings to average equity (ytd only) | 10.7555% | 479 |
| Net charge-offs to loans | -0.0265% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1654% | 4,499 |
| Assets per employee ($millions) | 4.4782% | 3,200 |
| Cash dividends to net income (ytd only)* | 24.4157% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 673 |
| Loan loss allowance to noncurrent loans | 723.9354% | 792 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 899 |
| Noncurrent loans to loans | 0.2497% | 3,689 |
| Net loans and leases to total assets | 76.6662% | 1,491 |
| Net loans and leases to deposits | 92.1360% | 1,529 |
| Net loans and leases to core deposits | 101.0383% | 1,639 |
| Total domestic deposits to total assets | 83.2098% | 3,260 |
| Equity capital to assets | 14.3132% | 888 |
| Core capital (leverage) ratio | 15.0585% | 683 |
| Tier 1 risk-based capital ratio | 15.7055% | 2,530 |
| Total risk-based capital ratio | 16.9588% | 2,453 |
| Memoranda: | ||
| Average total assets | $314,874,800 | 2,068 |
| Average earning assets | $298,163,400 | 2,028 |
| Average equity | $47,203,800 | 1,589 |
| Average total loans | $245,562,600 | 1,852 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 320 |
| Cost of funding earning assets | 0.8370% | 1,163 |
| Net interest margin | 4.7202% | 446 |
| Noninterest income to average assets | 0.3483% | 3,808 |
| Noninterest expense to average assets | 2.6133% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.1763% | 273 |
| Return on assets (ROA) | 2.1763% | 268 |
| Pretax return on assets | 2.2059% | 395 |
| Return on Equity (ROE) | 14.3319% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.6301% | 1,018 |
| Net charge-offs to loans | -0.0380% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2276% | 4,586 |
| Assets per employee ($millions) | 4.0474% | 3,809 |
| Cash dividends to net income (ytd only)* | 32.8065% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 561 |
| Loan loss allowance to noncurrent loans | 1,012.9363% | 595 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 943 |
| Noncurrent loans to loans | 0.1899% | 4,033 |
| Net loans and leases to total assets | 76.7226% | 1,553 |
| Net loans and leases to deposits | 91.1739% | 1,732 |
| Net loans and leases to core deposits | 95.7921% | 2,139 |
| Total domestic deposits to total assets | 84.1498% | 2,891 |
| Equity capital to assets | 14.6920% | 784 |
| Core capital (leverage) ratio | 15.5582% | 587 |
| Tier 1 risk-based capital ratio | 15.8599% | 2,499 |
| Total risk-based capital ratio | 17.1142% | 2,433 |
| Memoranda: | ||
| Average total assets | $306,268,500 | 2,123 |
| Average earning assets | $290,091,250 | 2,089 |
| Average equity | $46,505,750 | 1,615 |
| Average total loans | $238,772,000 | 1,896 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 279 |
| Cost of funding earning assets | 0.7781% | 1,235 |
| Net interest margin | 4.8147% | 358 |
| Noninterest income to average assets | 0.3665% | 3,704 |
| Noninterest expense to average assets | 2.6247% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2703% | 225 |
| Return on assets (ROA) | 2.2703% | 219 |
| Pretax return on assets | 2.3017% | 327 |
| Return on Equity (ROE) | 14.7762% | 896 |
| Retained earnings to average equity (ytd only) | 7.6384% | 1,779 |
| Net charge-offs to loans | -0.0326% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2781% | 4,759 |
| Assets per employee ($millions) | 3.9962% | 3,905 |
| Cash dividends to net income (ytd only)* | 48.3063% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 461 |
| Loan loss allowance to noncurrent loans | 8,453.4483% | 100 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 1,018 |
| Noncurrent loans to loans | 0.0245% | 4,822 |
| Net loans and leases to total assets | 75.4552% | 1,725 |
| Net loans and leases to deposits | 91.2442% | 1,678 |
| Net loans and leases to core deposits | 96.7231% | 1,997 |
| Total domestic deposits to total assets | 82.6959% | 3,494 |
| Equity capital to assets | 15.1420% | 664 |
| Core capital (leverage) ratio | 15.0873% | 650 |
| Tier 1 risk-based capital ratio | 16.8627% | 2,143 |
| Total risk-based capital ratio | 18.1187% | 2,092 |
| Memoranda: | ||
| Average total assets | $299,078,670 | 2,176 |
| Average earning assets | $283,259,330 | 2,137 |
| Average equity | $45,952,330 | 1,635 |
| Average total loans | $232,876,330 | 1,932 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 640 |
| Cost of funding earning assets | 0.7378% | 1,250 |
| Net interest margin | 4.3049% | 945 |
| Noninterest income to average assets | 0.3528% | 3,786 |
| Noninterest expense to average assets | 2.6095% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7858% | 578 |
| Return on assets (ROA) | 1.7858% | 583 |
| Pretax return on assets | 1.8211% | 873 |
| Return on Equity (ROE) | 11.5358% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.5358% | 783 |
| Net charge-offs to loans | -0.0659% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8974% | 4,234 |
| Assets per employee ($millions) | 3.8789% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 454 |
| Loan loss allowance to noncurrent loans | 122.0259% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 2.8104% | 300 |
| Noncurrent loans to loans | 1.7191% | 993 |
| Net loans and leases to total assets | 78.6549% | 1,137 |
| Net loans and leases to deposits | 94.8788% | 1,148 |
| Net loans and leases to core deposits | 100.9049% | 1,621 |
| Total domestic deposits to total assets | 82.9004% | 3,702 |
| Equity capital to assets | 15.8790% | 504 |
| Core capital (leverage) ratio | 16.0783% | 477 |
| Tier 1 risk-based capital ratio | 16.5849% | 2,248 |
| Total risk-based capital ratio | 17.8408% | 2,189 |
| Memoranda: | ||
| Average total assets | $294,764,500 | 2,223 |
| Average earning assets | $279,216,500 | 2,183 |
| Average equity | $45,632,000 | 1,655 |
| Average total loans | $230,772,500 | 1,960 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 865 |
| Cost of funding earning assets | 0.5790% | 1,749 |
| Net interest margin | 4.2841% | 998 |
| Noninterest income to average assets | 0.3445% | 4,002 |
| Noninterest expense to average assets | 2.6445% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7261% | 499 |
| Return on assets (ROA) | 1.7261% | 514 |
| Pretax return on assets | 1.7536% | 887 |
| Return on Equity (ROE) | 11.0684% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.7480% | 547 |
| Net charge-offs to loans | -0.0044% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1284% | 4,246 |
| Assets per employee ($millions) | 4.2659% | 3,552 |
| Cash dividends to net income (ytd only)* | 20.9644% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 418 |
| Loan loss allowance to noncurrent loans | 121.1706% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.7370% | 313 |
| Noncurrent loans to loans | 1.7624% | 912 |
| Net loans and leases to total assets | 74.6643% | 1,814 |
| Net loans and leases to deposits | 89.1314% | 1,877 |
| Net loans and leases to core deposits | 93.3401% | 2,254 |
| Total domestic deposits to total assets | 83.7688% | 3,288 |
| Equity capital to assets | 15.0929% | 661 |
| Core capital (leverage) ratio | 15.5021% | 542 |
| Tier 1 risk-based capital ratio | 16.2867% | 2,336 |
| Total risk-based capital ratio | 17.5429% | 2,272 |
| Memoranda: | ||
| Average total assets | $276,350,200 | 2,307 |
| Average earning assets | $261,481,000 | 2,270 |
| Average equity | $43,095,600 | 1,725 |
| Average total loans | $203,653,600 | 2,128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 1,018 |
| Cost of funding earning assets | 0.5485% | 1,905 |
| Net interest margin | 4.2045% | 1,146 |
| Noninterest income to average assets | 0.3368% | 4,121 |
| Noninterest expense to average assets | 2.5358% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7470% | 525 |
| Return on assets (ROA) | 1.7470% | 541 |
| Pretax return on assets | 1.7750% | 941 |
| Return on Equity (ROE) | 11.1040% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.9743% | 1,235 |
| Net charge-offs to loans | -0.0040% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 4,386 |
| Assets per employee ($millions) | 4.0591% | 3,885 |
| Cash dividends to net income (ytd only)* | 28.1849% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2051% | 399 |
| Loan loss allowance to noncurrent loans | 113.1750% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 3.2576% | 262 |
| Noncurrent loans to loans | 1.9484% | 881 |
| Net loans and leases to total assets | 75.8890% | 1,606 |
| Net loans and leases to deposits | 91.9413% | 1,576 |
| Net loans and leases to core deposits | 98.5525% | 1,840 |
| Total domestic deposits to total assets | 82.5408% | 3,610 |
| Equity capital to assets | 15.4722% | 637 |
| Core capital (leverage) ratio | 15.9634% | 495 |
| Tier 1 risk-based capital ratio | 16.8765% | 2,189 |
| Total risk-based capital ratio | 18.1338% | 2,146 |
| Memoranda: | ||
| Average total assets | $270,785,250 | 2,361 |
| Average earning assets | $255,940,250 | 2,320 |
| Average equity | $42,602,250 | 1,762 |
| Average total loans | $197,612,000 | 2,185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,219 |
| Cost of funding earning assets | 0.5041% | 2,135 |
| Net interest margin | 4.1149% | 1,286 |
| Noninterest income to average assets | 0.3424% | 4,100 |
| Noninterest expense to average assets | 2.5337% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6663% | 605 |
| Return on assets (ROA) | 1.6663% | 625 |
| Pretax return on assets | 1.6949% | 1,068 |
| Return on Equity (ROE) | 10.5293% | 1,820 |
| Retained earnings to average equity (ytd only) | 5.7842% | 2,237 |
| Net charge-offs to loans | -0.0074% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9183% | 4,326 |
| Assets per employee ($millions) | 3.9793% | 3,986 |
| Cash dividends to net income (ytd only)* | 45.0653% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 336 |
| Loan loss allowance to noncurrent loans | 7,843.5484% | 101 |
| Noncurrent assets plus other real estate owned to assets | 1.8655% | 719 |
| Noncurrent loans to loans | 0.0303% | 5,040 |
| Net loans and leases to total assets | 73.7782% | 1,914 |
| Net loans and leases to deposits | 89.7754% | 1,759 |
| Net loans and leases to core deposits | 95.0861% | 2,063 |
| Total domestic deposits to total assets | 82.1809% | 3,835 |
| Equity capital to assets | 15.7776% | 560 |
| Core capital (leverage) ratio | 16.1687% | 455 |
| Tier 1 risk-based capital ratio | 17.7389% | 1,939 |
| Total risk-based capital ratio | 18.9984% | 1,893 |
| Memoranda: | ||
| Average total assets | $266,335,000 | 2,398 |
| Average earning assets | $251,527,670 | 2,368 |
| Average equity | $42,149,000 | 1,771 |
| Average total loans | $189,986,000 | 2,259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 1,386 |
| Cost of funding earning assets | 0.4702% | 2,348 |
| Net interest margin | 4.0244% | 1,403 |
| Noninterest income to average assets | 0.3406% | 4,121 |
| Noninterest expense to average assets | 2.6343% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4746% | 857 |
| Return on assets (ROA) | 1.4746% | 882 |
| Pretax return on assets | 1.5034% | 1,521 |
| Return on Equity (ROE) | 9.3034% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.3034% | 982 |
| Net charge-offs to loans | 0.0022% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 993.0000% | 44 |
| Efficiency ratio | 63.6663% | 3,894 |
| Assets per employee ($millions) | 4.0750% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6396% | 269 |
| Loan loss allowance to noncurrent loans | 12,137.5000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 739 |
| Noncurrent loans to loans | 0.0217% | 5,134 |
| Net loans and leases to total assets | 66.5834% | 2,884 |
| Net loans and leases to deposits | 80.9987% | 2,624 |
| Net loans and leases to core deposits | 85.6708% | 2,748 |
| Total domestic deposits to total assets | 82.2030% | 4,108 |
| Equity capital to assets | 15.7576% | 531 |
| Core capital (leverage) ratio | 15.8217% | 483 |
| Tier 1 risk-based capital ratio | 18.2500% | 1,789 |
| Total risk-based capital ratio | 19.5103% | 1,755 |
| Memoranda: | ||
| Average total assets | $264,206,500 | 2,431 |
| Average earning assets | $249,278,500 | 2,401 |
| Average equity | $41,877,000 | 1,782 |
| Average total loans | $182,728,500 | 2,339 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 704 |
| Cost of funding earning assets | 0.3998% | 3,001 |
| Net interest margin | 4.5217% | 596 |
| Noninterest income to average assets | 2.4633% | 254 |
| Noninterest expense to average assets | 3.3186% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.3196% | 68 |
| Return on assets (ROA) | 3.2219% | 72 |
| Pretax return on assets | 3.2512% | 94 |
| Return on Equity (ROE) | 20.3186% | 197 |
| Retained earnings to average equity (ytd only) | 10.8371% | 323 |
| Net charge-offs to loans | -0.0092% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7654% | 5,499 |
| Assets per employee ($millions) | 3.7603% | 4,379 |
| Cash dividends to net income (ytd only)* | 46.6641% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6751% | 261 |
| Loan loss allowance to noncurrent loans | 12,140.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 722 |
| Noncurrent loans to loans | 0.0220% | 5,182 |
| Net loans and leases to total assets | 68.0906% | 2,753 |
| Net loans and leases to deposits | 83.0700% | 2,538 |
| Net loans and leases to core deposits | 87.4353% | 2,732 |
| Total domestic deposits to total assets | 81.9678% | 4,084 |
| Equity capital to assets | 15.9460% | 502 |
| Core capital (leverage) ratio | 16.0092% | 461 |
| Tier 1 risk-based capital ratio | 19.0416% | 1,588 |
| Total risk-based capital ratio | 20.3033% | 1,549 |
| Memoranda: | ||
| Average total assets | $246,097,400 | 2,541 |
| Average earning assets | $228,876,000 | 2,524 |
| Average equity | $39,023,400 | 1,878 |
| Average total loans | $173,231,800 | 2,385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 859 |
| Cost of funding earning assets | 0.3785% | 3,243 |
| Net interest margin | 4.4421% | 713 |
| Noninterest income to average assets | 2.2953% | 293 |
| Noninterest expense to average assets | 3.3229% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.0620% | 87 |
| Return on assets (ROA) | 3.0620% | 88 |
| Pretax return on assets | 3.0911% | 115 |
| Return on Equity (ROE) | 19.3392% | 273 |
| Retained earnings to average equity (ytd only) | 6.5042% | 1,913 |
| Net charge-offs to loans | -0.0234% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8068% | 5,401 |
| Assets per employee ($millions) | 3.7204% | 4,436 |
| Cash dividends to net income (ytd only)* | 66.3677% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7041% | 264 |
| Loan loss allowance to noncurrent loans | 48,700.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 2.5319% | 535 |
| Noncurrent loans to loans | 0.0056% | 5,396 |
| Net loans and leases to total assets | 71.3628% | 2,286 |
| Net loans and leases to deposits | 87.3290% | 2,102 |
| Net loans and leases to core deposits | 92.3288% | 2,344 |
| Total domestic deposits to total assets | 81.7172% | 4,034 |
| Equity capital to assets | 15.9863% | 556 |
| Core capital (leverage) ratio | 15.6457% | 537 |
| Tier 1 risk-based capital ratio | 18.3059% | 1,833 |
| Total risk-based capital ratio | 19.5684% | 1,799 |
| Memoranda: | ||
| Average total assets | $242,756,000 | 2,569 |
| Average earning assets | $225,083,250 | 2,555 |
| Average equity | $38,435,750 | 1,915 |
| Average total loans | $171,158,250 | 2,402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 880 |
| Cost of funding earning assets | 0.3558% | 3,501 |
| Net interest margin | 4.4463% | 696 |
| Noninterest income to average assets | 2.8450% | 217 |
| Noninterest expense to average assets | 3.3272% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.6026% | 60 |
| Return on assets (ROA) | 3.6026% | 60 |
| Pretax return on assets | 3.6307% | 87 |
| Return on Equity (ROE) | 22.8284% | 133 |
| Retained earnings to average equity (ytd only) | 3.4379% | 3,706 |
| Net charge-offs to loans | -0.0416% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8189% | 5,676 |
| Assets per employee ($millions) | 3.8288% | 4,216 |
| Cash dividends to net income (ytd only)* | 84.9403% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 239 |
| Loan loss allowance to noncurrent loans | 20,312.5000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 3.0502% | 395 |
| Noncurrent loans to loans | 0.0140% | 5,430 |
| Net loans and leases to total assets | 66.7875% | 2,967 |
| Net loans and leases to deposits | 80.9852% | 2,818 |
| Net loans and leases to core deposits | 84.8204% | 3,005 |
| Total domestic deposits to total assets | 82.4688% | 3,850 |
| Equity capital to assets | 15.2899% | 672 |
| Core capital (leverage) ratio | 15.5741% | 515 |
| Tier 1 risk-based capital ratio | 18.4033% | 1,821 |
| Total risk-based capital ratio | 19.6670% | 1,780 |
| Memoranda: | ||
| Average total assets | $241,825,330 | 2,589 |
| Average earning assets | $223,691,670 | 2,580 |
| Average equity | $38,163,000 | 1,931 |
| Average total loans | $168,177,670 | 2,434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,110 |
| Cost of funding earning assets | 0.3406% | 3,712 |
| Net interest margin | 4.3276% | 875 |
| Noninterest income to average assets | 2.1871% | 302 |
| Noninterest expense to average assets | 2.6806% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.4695% | 70 |
| Return on assets (ROA) | 3.4695% | 69 |
| Pretax return on assets | 3.4947% | 95 |
| Return on Equity (ROE) | 21.6335% | 173 |
| Retained earnings to average equity (ytd only) | 21.6335% | 70 |
| Net charge-offs to loans | -0.0216% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4085% | 5,887 |
| Assets per employee ($millions) | 3.6475% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8684% | 251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1865% | 382 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.2075% | 2,619 |
| Net loans and leases to deposits | 83.6228% | 2,352 |
| Net loans and leases to core deposits | 87.5327% | 2,608 |
| Total domestic deposits to total assets | 81.5657% | 4,340 |
| Equity capital to assets | 16.3470% | 494 |
| Core capital (leverage) ratio | 16.4493% | 427 |
| Tier 1 risk-based capital ratio | 18.3639% | 1,894 |
| Total risk-based capital ratio | 19.6267% | 1,847 |
| Memoranda: | ||
| Average total assets | $238,303,000 | 2,627 |
| Average earning assets | $219,614,500 | 2,625 |
| Average equity | $38,218,500 | 1,923 |
| Average total loans | $166,722,000 | 2,445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 2,019 |
| Cost of funding earning assets | 0.3516% | 3,685 |
| Net interest margin | 4.0107% | 1,680 |
| Noninterest income to average assets | 2.9431% | 208 |
| Noninterest expense to average assets | 2.9839% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.4134% | 71 |
| Return on assets (ROA) | 3.3502% | 74 |
| Pretax return on assets | 3.3842% | 94 |
| Return on Equity (ROE) | 23.3151% | 127 |
| Retained earnings to average equity (ytd only) | 17.3938% | 85 |
| Net charge-offs to loans | -0.2915% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3920% | 5,907 |
| Assets per employee ($millions) | 3.8044% | 4,283 |
| Cash dividends to net income (ytd only)* | 25.3968% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9441% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1527% | 246 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.6453% | 2,764 |
| Net loans and leases to deposits | 82.3306% | 2,546 |
| Net loans and leases to core deposits | 85.6943% | 2,816 |
| Total domestic deposits to total assets | 82.1631% | 4,125 |
| Equity capital to assets | 15.7222% | 560 |
| Core capital (leverage) ratio | 15.9121% | 475 |
| Tier 1 risk-based capital ratio | 18.2483% | 1,894 |
| Total risk-based capital ratio | 19.5127% | 1,854 |
| Memoranda: | ||
| Average total assets | $235,059,800 | 2,621 |
| Average earning assets | $204,479,600 | 2,737 |
| Average equity | $33,776,400 | 2,108 |
| Average total loans | $138,925,800 | 2,735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,272 |
| Cost of funding earning assets | 0.3557% | 3,688 |
| Net interest margin | 3.9337% | 1,921 |
| Noninterest income to average assets | 2.7579% | 237 |
| Noninterest expense to average assets | 2.7454% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.3560% | 71 |
| Return on assets (ROA) | 3.3262% | 74 |
| Pretax return on assets | 3.3597% | 98 |
| Return on Equity (ROE) | 23.7084% | 143 |
| Retained earnings to average equity (ytd only) | 15.6154% | 145 |
| Net charge-offs to loans | -0.3832% | 6,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7488% | 6,012 |
| Assets per employee ($millions) | 3.5819% | 4,646 |
| Cash dividends to net income (ytd only)* | 34.1355% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4272% | 161 |
| Loan loss allowance to noncurrent loans | 25,347.3684% | 46 |
| Noncurrent assets plus other real estate owned to assets | 7.3146% | 100 |
| Noncurrent loans to loans | 0.0135% | 5,585 |
| Net loans and leases to total assets | 60.1382% | 3,866 |
| Net loans and leases to deposits | 71.6217% | 3,815 |
| Net loans and leases to core deposits | 74.6138% | 3,949 |
| Total domestic deposits to total assets | 83.9664% | 3,446 |
| Equity capital to assets | 15.5869% | 631 |
| Core capital (leverage) ratio | 15.4373% | 563 |
| Tier 1 risk-based capital ratio | 19.6904% | 1,625 |
| Total risk-based capital ratio | 20.9582% | 1,585 |
| Memoranda: | ||
| Average total assets | $234,857,250 | 2,639 |
| Average earning assets | $201,638,250 | 2,783 |
| Average equity | $32,949,500 | 2,167 |
| Average total loans | $132,558,500 | 2,863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,660 |
| Cost of funding earning assets | 0.3557% | 3,745 |
| Net interest margin | 3.8101% | 2,275 |
| Noninterest income to average assets | 3.8079% | 167 |
| Noninterest expense to average assets | 2.7883% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.2297% | 59 |
| Return on assets (ROA) | 4.2030% | 60 |
| Pretax return on assets | 4.2341% | 75 |
| Return on Equity (ROE) | 31.0479% | 57 |
| Retained earnings to average equity (ytd only) | 18.6287% | 91 |
| Net charge-offs to loans | -0.5666% | 6,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5540% | 6,210 |
| Assets per employee ($millions) | 3.7965% | 4,261 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5504% | 155 |
| Loan loss allowance to noncurrent loans | 34,307.1429% | 25 |
| Noncurrent assets plus other real estate owned to assets | 6.9867% | 127 |
| Noncurrent loans to loans | 0.0103% | 5,725 |
| Net loans and leases to total assets | 54.5513% | 4,495 |
| Net loans and leases to deposits | 63.9133% | 4,549 |
| Net loans and leases to core deposits | 66.7548% | 4,590 |
| Total domestic deposits to total assets | 85.3522% | 2,989 |
| Equity capital to assets | 14.2820% | 883 |
| Core capital (leverage) ratio | 14.2167% | 782 |
| Tier 1 risk-based capital ratio | 18.2621% | 1,994 |
| Total risk-based capital ratio | 19.5284% | 1,952 |
| Memoranda: | ||
| Average total assets | $237,924,000 | 2,628 |
| Average earning assets | $202,410,670 | 2,794 |
| Average equity | $32,208,330 | 2,210 |
| Average total loans | $129,904,000 | 2,914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 2,505 |
| Cost of funding earning assets | 0.3603% | 3,749 |
| Net interest margin | 3.8281% | 2,139 |
| Noninterest income to average assets | 1.3570% | 627 |
| Noninterest expense to average assets | 2.8100% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7598% | 522 |
| Return on assets (ROA) | 1.6739% | 653 |
| Pretax return on assets | 1.7008% | 1,046 |
| Return on Equity (ROE) | 12.7175% | 1,155 |
| Retained earnings to average equity (ytd only) | -0.0897% | 5,395 |
| Net charge-offs to loans | -0.0849% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1070% | 4,947 |
| Assets per employee ($millions) | 3.9191% | 4,126 |
| Cash dividends to net income (ytd only)* | 100.7049% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5482% | 175 |
| Loan loss allowance to noncurrent loans | 1,829.0984% | 328 |
| Noncurrent assets plus other real estate owned to assets | 7.5155% | 113 |
| Noncurrent loans to loans | 0.1940% | 5,086 |
| Net loans and leases to total assets | 50.7475% | 4,772 |
| Net loans and leases to deposits | 58.6583% | 4,866 |
| Net loans and leases to core deposits | 62.1692% | 4,828 |
| Total domestic deposits to total assets | 86.5138% | 2,663 |
| Equity capital to assets | 13.1119% | 1,341 |
| Core capital (leverage) ratio | 12.9812% | 1,161 |
| Tier 1 risk-based capital ratio | 16.6390% | 2,616 |
| Total risk-based capital ratio | 17.9028% | 2,567 |
| Memoranda: | ||
| Average total assets | $237,295,000 | 2,658 |
| Average earning assets | $200,934,500 | 2,825 |
| Average equity | $31,232,500 | 2,278 |
| Average total loans | $127,216,000 | 2,958 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,748 |
| Cost of funding earning assets | 0.4086% | 3,601 |
| Net interest margin | 3.8496% | 2,430 |
| Noninterest income to average assets | 1.7882% | 406 |
| Noninterest expense to average assets | 3.1803% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7148% | 565 |
| Return on assets (ROA) | 1.7040% | 598 |
| Pretax return on assets | 1.7465% | 898 |
| Return on Equity (ROE) | 13.7570% | 983 |
| Retained earnings to average equity (ytd only) | 13.7570% | 191 |
| Net charge-offs to loans | 0.1434% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.4565% | 1,627 |
| Efficiency ratio | 64.4069% | 4,529 |
| Assets per employee ($millions) | 4.0608% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4474% | 192 |
| Loan loss allowance to noncurrent loans | 178.3273% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 8.6339% | 104 |
| Noncurrent loans to loans | 1.9332% | 1,454 |
| Net loans and leases to total assets | 52.7394% | 4,721 |
| Net loans and leases to deposits | 60.9903% | 4,808 |
| Net loans and leases to core deposits | 63.3099% | 4,890 |
| Total domestic deposits to total assets | 86.4719% | 2,584 |
| Equity capital to assets | 13.2127% | 1,269 |
| Core capital (leverage) ratio | 13.1269% | 1,089 |
| Tier 1 risk-based capital ratio | 18.9529% | 1,865 |
| Total risk-based capital ratio | 20.2208% | 1,818 |
| Memoranda: | ||
| Average total assets | $235,100,000 | 2,657 |
| Average earning assets | $192,356,800 | 2,883 |
| Average equity | $29,119,800 | 2,335 |
| Average total loans | $128,357,000 | 2,896 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,695 |
| Cost of funding earning assets | 0.4168% | 3,618 |
| Net interest margin | 3.8671% | 2,364 |
| Noninterest income to average assets | 1.7668% | 419 |
| Noninterest expense to average assets | 3.0979% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7608% | 545 |
| Return on assets (ROA) | 1.7311% | 598 |
| Pretax return on assets | 1.7759% | 928 |
| Return on Equity (ROE) | 14.2135% | 947 |
| Retained earnings to average equity (ytd only) | 14.2135% | 238 |
| Net charge-offs to loans | 0.1455% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 22.7431% | 1,618 |
| Efficiency ratio | 63.1652% | 4,693 |
| Assets per employee ($millions) | 3.9484% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5152% | 225 |
| Loan loss allowance to noncurrent loans | 162.7907% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 10.7042% | 82 |
| Noncurrent loans to loans | 2.1593% | 1,421 |
| Net loans and leases to total assets | 52.7862% | 4,723 |
| Net loans and leases to deposits | 60.9501% | 4,854 |
| Net loans and leases to core deposits | 63.2884% | 4,945 |
| Total domestic deposits to total assets | 86.6056% | 2,525 |
| Equity capital to assets | 12.8561% | 1,498 |
| Core capital (leverage) ratio | 13.1651% | 1,115 |
| Tier 1 risk-based capital ratio | 17.1457% | 2,549 |
| Total risk-based capital ratio | 18.4118% | 2,501 |
| Memoranda: | ||
| Average total assets | $234,994,000 | 2,675 |
| Average earning assets | $190,664,750 | 2,929 |
| Average equity | $28,620,000 | 2,381 |
| Average total loans | $128,284,000 | 2,908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,797 |
| Cost of funding earning assets | 0.4214% | 3,639 |
| Net interest margin | 3.8206% | 2,479 |
| Noninterest income to average assets | 2.2888% | 282 |
| Noninterest expense to average assets | 2.8624% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4704% | 146 |
| Return on assets (ROA) | 2.4704% | 151 |
| Pretax return on assets | 2.5196% | 201 |
| Return on Equity (ROE) | 20.6622% | 257 |
| Retained earnings to average equity (ytd only) | 20.6622% | 74 |
| Net charge-offs to loans | -0.6923% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1851% | 5,982 |
| Assets per employee ($millions) | 4.4347% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7707% | 201 |
| Loan loss allowance to noncurrent loans | 158.0343% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 11.7996% | 73 |
| Noncurrent loans to loans | 2.3860% | 1,333 |
| Net loans and leases to total assets | 54.9951% | 4,408 |
| Net loans and leases to deposits | 63.4344% | 4,552 |
| Net loans and leases to core deposits | 66.4837% | 4,595 |
| Total domestic deposits to total assets | 86.6959% | 2,635 |
| Equity capital to assets | 12.7476% | 1,517 |
| Core capital (leverage) ratio | 12.6753% | 1,296 |
| Tier 1 risk-based capital ratio | 17.7672% | 2,321 |
| Total risk-based capital ratio | 19.0392% | 2,284 |
| Memoranda: | ||
| Average total assets | $235,673,670 | 2,676 |
| Average earning assets | $190,808,330 | 2,938 |
| Average equity | $28,177,000 | 2,398 |
| Average total loans | $128,562,670 | 2,890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 3,168 |
| Cost of funding earning assets | 0.4216% | 3,742 |
| Net interest margin | 3.7083% | 2,830 |
| Noninterest income to average assets | 1.7187% | 427 |
| Noninterest expense to average assets | 2.4120% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2255% | 226 |
| Return on assets (ROA) | 2.2255% | 239 |
| Pretax return on assets | 2.2882% | 311 |
| Return on Equity (ROE) | 19.2490% | 341 |
| Retained earnings to average equity (ytd only) | 19.2490% | 134 |
| Net charge-offs to loans | -0.7129% | 6,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3163% | 6,174 |
| Assets per employee ($millions) | 4.5456% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8537% | 212 |
| Loan loss allowance to noncurrent loans | 160.9837% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 12.3717% | 72 |
| Noncurrent loans to loans | 2.3938% | 1,466 |
| Net loans and leases to total assets | 49.2349% | 4,975 |
| Net loans and leases to deposits | 55.8287% | 5,129 |
| Net loans and leases to core deposits | 58.4270% | 5,171 |
| Total domestic deposits to total assets | 88.1893% | 2,117 |
| Equity capital to assets | 11.4212% | 2,313 |
| Core capital (leverage) ratio | 12.0075% | 1,649 |
| Tier 1 risk-based capital ratio | 16.9932% | 2,695 |
| Total risk-based capital ratio | 18.2640% | 2,638 |
| Memoranda: | ||
| Average total assets | $235,990,000 | 2,680 |
| Average earning assets | $189,735,000 | 2,974 |
| Average equity | $27,284,500 | 2,451 |
| Average total loans | $125,681,000 | 2,957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,128 |
| Cost of funding earning assets | 0.5652% | 2,972 |
| Net interest margin | 3.6908% | 3,096 |
| Noninterest income to average assets | 0.6645% | 2,736 |
| Noninterest expense to average assets | 2.7652% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9030% | 2,764 |
| Return on assets (ROA) | 0.8599% | 3,063 |
| Pretax return on assets | 0.8872% | 3,818 |
| Return on Equity (ROE) | 7.8283% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.8283% | 1,111 |
| Net charge-offs to loans | 0.7417% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.1405% | 4,316 |
| Efficiency ratio | 74.7976% | 2,993 |
| Assets per employee ($millions) | 4.1185% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6765% | 252 |
| Loan loss allowance to noncurrent loans | 154.2571% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 13.4988% | 62 |
| Noncurrent loans to loans | 2.3833% | 1,607 |
| Net loans and leases to total assets | 53.4373% | 4,663 |
| Net loans and leases to deposits | 60.7840% | 4,863 |
| Net loans and leases to core deposits | 63.5362% | 4,911 |
| Total domestic deposits to total assets | 87.9134% | 2,223 |
| Equity capital to assets | 11.7140% | 2,017 |
| Core capital (leverage) ratio | 11.8716% | 1,698 |
| Tier 1 risk-based capital ratio | 16.5277% | 2,843 |
| Total risk-based capital ratio | 17.7972% | 2,799 |
| Memoranda: | ||
| Average total assets | $233,869,000 | 2,680 |
| Average earning assets | $192,151,200 | 2,928 |
| Average equity | $25,689,000 | 2,571 |
| Average total loans | $137,248,800 | 2,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,504 |
| Cost of funding earning assets | 0.5941% | 2,857 |
| Net interest margin | 3.5726% | 3,566 |
| Noninterest income to average assets | 0.4452% | 4,190 |
| Noninterest expense to average assets | 2.6337% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7318% | 3,687 |
| Return on assets (ROA) | 0.6760% | 4,123 |
| Pretax return on assets | 0.7122% | 4,652 |
| Return on Equity (ROE) | 6.2537% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.2537% | 2,262 |
| Net charge-offs to loans | 0.2645% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.9028% | 3,330 |
| Efficiency ratio | 77.3550% | 2,505 |
| Assets per employee ($millions) | 4.1436% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9001% | 257 |
| Loan loss allowance to noncurrent loans | 41.5665% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 14.2628% | 61 |
| Noncurrent loans to loans | 9.3829% | 156 |
| Net loans and leases to total assets | 59.0243% | 3,851 |
| Net loans and leases to deposits | 66.9840% | 4,184 |
| Net loans and leases to core deposits | 69.9755% | 4,323 |
| Total domestic deposits to total assets | 88.1170% | 2,046 |
| Equity capital to assets | 11.4732% | 2,323 |
| Core capital (leverage) ratio | 11.6132% | 1,939 |
| Tier 1 risk-based capital ratio | 16.0761% | 3,149 |
| Total risk-based capital ratio | 17.2214% | 3,162 |
| Memoranda: | ||
| Average total assets | $235,707,250 | 2,678 |
| Average earning assets | $195,256,500 | 2,908 |
| Average equity | $25,477,750 | 2,620 |
| Average total loans | $140,145,000 | 2,705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,544 |
| Cost of funding earning assets | 0.6415% | 2,578 |
| Net interest margin | 3.5074% | 3,752 |
| Noninterest income to average assets | 0.4272% | 4,324 |
| Noninterest expense to average assets | 2.5658% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7327% | 3,657 |
| Return on assets (ROA) | 0.6542% | 4,206 |
| Pretax return on assets | 0.6850% | 4,732 |
| Return on Equity (ROE) | 6.1701% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.1701% | 2,339 |
| Net charge-offs to loans | 0.4155% | 1,559 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1399% | 3,482 |
| Efficiency ratio | 76.9712% | 2,632 |
| Assets per employee ($millions) | 4.1058% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9679% | 260 |
| Loan loss allowance to noncurrent loans | 179.3022% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 9.7423% | 156 |
| Noncurrent loans to loans | 2.2130% | 2,161 |
| Net loans and leases to total assets | 57.2857% | 4,099 |
| Net loans and leases to deposits | 64.8265% | 4,396 |
| Net loans and leases to core deposits | 67.4185% | 4,556 |
| Total domestic deposits to total assets | 88.3677% | 2,003 |
| Equity capital to assets | 11.2595% | 2,513 |
| Core capital (leverage) ratio | 11.1809% | 2,192 |
| Tier 1 risk-based capital ratio | 16.0636% | 3,158 |
| Total risk-based capital ratio | 17.3388% | 3,082 |
| Memoranda: | ||
| Average total assets | $239,690,670 | 2,654 |
| Average earning assets | $198,606,000 | 2,885 |
| Average equity | $25,413,000 | 2,639 |
| Average total loans | $141,049,670 | 2,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,974 |
| Cost of funding earning assets | 0.7097% | 2,127 |
| Net interest margin | 3.3262% | 4,417 |
| Noninterest income to average assets | 0.4428% | 4,157 |
| Noninterest expense to average assets | 2.9891% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2059% | 5,869 |
| Return on assets (ROA) | 0.2271% | 5,929 |
| Pretax return on assets | 0.2433% | 5,978 |
| Return on Equity (ROE) | 2.2042% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.2042% | 4,902 |
| Net charge-offs to loans | -0.5603% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1278% | 901 |
| Assets per employee ($millions) | 4.5799% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2227% | 242 |
| Loan loss allowance to noncurrent loans | 73.3024% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 11.1311% | 152 |
| Noncurrent loans to loans | 5.7607% | 597 |
| Net loans and leases to total assets | 54.5696% | 4,319 |
| Net loans and leases to deposits | 64.1641% | 4,293 |
| Net loans and leases to core deposits | 67.0024% | 4,414 |
| Total domestic deposits to total assets | 85.0470% | 4,015 |
| Equity capital to assets | 10.4559% | 3,589 |
| Core capital (leverage) ratio | 10.3088% | 3,013 |
| Tier 1 risk-based capital ratio | 15.3067% | 3,650 |
| Total risk-based capital ratio | 16.5849% | 3,586 |
| Memoranda: | ||
| Average total assets | $246,626,500 | 2,616 |
| Average earning assets | $205,156,500 | 2,841 |
| Average equity | $25,406,500 | 2,672 |
| Average total loans | $144,221,000 | 2,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 3,750 |
| Cost of funding earning assets | 0.8512% | 2,282 |
| Net interest margin | 3.5650% | 4,248 |
| Noninterest income to average assets | 0.7681% | 2,404 |
| Noninterest expense to average assets | 2.4451% | 5,273 |
| Loan and lease loss provision to assets | 0.3638% | 1,813 |
| Net operating income to assets | 1.0053% | 2,314 |
| Return on assets (ROA) | 1.0030% | 2,545 |
| Pretax return on assets | 1.0434% | 3,383 |
| Return on Equity (ROE) | 10.3714% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.3714% | 530 |
| Net charge-offs to loans | 1.5421% | 571 |
| Credit loss provision to net charge-offs | 35.8852% | 5,007 |
| Earnings coverage of net charge-offs (x) | 1.3904% | 4,760 |
| Efficiency ratio | 63.4295% | 4,991 |
| Assets per employee ($millions) | 4.8177% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7551% | 339 |
| Loan loss allowance to noncurrent loans | 72.8048% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 11.1049% | 179 |
| Noncurrent loans to loans | 5.1577% | 752 |
| Net loans and leases to total assets | 57.6823% | 4,030 |
| Net loans and leases to deposits | 67.4737% | 4,056 |
| Net loans and leases to core deposits | 70.4322% | 4,243 |
| Total domestic deposits to total assets | 85.4885% | 3,615 |
| Equity capital to assets | 10.1521% | 3,963 |
| Core capital (leverage) ratio | 10.1670% | 3,177 |
| Tier 1 risk-based capital ratio | 14.1559% | 4,277 |
| Total risk-based capital ratio | 15.4455% | 4,208 |
| Memoranda: | ||
| Average total assets | $247,354,800 | 2,552 |
| Average earning assets | $214,163,600 | 2,687 |
| Average equity | $23,921,600 | 2,752 |
| Average total loans | $162,635,200 | 2,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 3,950 |
| Cost of funding earning assets | 0.8779% | 2,330 |
| Net interest margin | 3.5459% | 4,455 |
| Noninterest income to average assets | 0.8776% | 1,918 |
| Noninterest expense to average assets | 2.3285% | 5,599 |
| Loan and lease loss provision to assets | 0.4867% | 1,270 |
| Net operating income to assets | 1.1534% | 1,892 |
| Return on assets (ROA) | 1.1502% | 2,102 |
| Pretax return on assets | 1.1718% | 3,092 |
| Return on Equity (ROE) | 12.0454% | 1,621 |
| Retained earnings to average equity (ytd only) | 12.0454% | 522 |
| Net charge-offs to loans | 1.3264% | 704 |
| Credit loss provision to net charge-offs | 54.5785% | 4,287 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 4,329 |
| Efficiency ratio | 58.3548% | 5,737 |
| Assets per employee ($millions) | 4.8476% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9533% | 322 |
| Loan loss allowance to noncurrent loans | 44.9644% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 11.7507% | 170 |
| Noncurrent loans to loans | 8.7920% | 327 |
| Net loans and leases to total assets | 63.8374% | 3,053 |
| Net loans and leases to deposits | 74.7737% | 3,172 |
| Net loans and leases to core deposits | 78.2403% | 3,417 |
| Total domestic deposits to total assets | 85.3742% | 3,576 |
| Equity capital to assets | 10.2412% | 4,149 |
| Core capital (leverage) ratio | 10.0081% | 3,529 |
| Tier 1 risk-based capital ratio | 13.6418% | 4,788 |
| Total risk-based capital ratio | 14.9448% | 4,710 |
| Memoranda: | ||
| Average total assets | $246,563,750 | 2,589 |
| Average earning assets | $216,430,500 | 2,678 |
| Average equity | $23,543,750 | 2,819 |
| Average total loans | $165,758,250 | 2,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 3,723 |
| Cost of funding earning assets | 0.9106% | 2,313 |
| Net interest margin | 3.5997% | 4,261 |
| Noninterest income to average assets | 0.8833% | 1,851 |
| Noninterest expense to average assets | 2.3528% | 5,612 |
| Loan and lease loss provision to assets | 0.7307% | 720 |
| Net operating income to assets | 0.9548% | 2,639 |
| Return on assets (ROA) | 0.9548% | 2,891 |
| Pretax return on assets | 0.9548% | 3,872 |
| Return on Equity (ROE) | 10.2475% | 2,262 |
| Retained earnings to average equity (ytd only) | 10.2475% | 904 |
| Net charge-offs to loans | 1.9201% | 449 |
| Credit loss provision to net charge-offs | 56.3910% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,353 |
| Efficiency ratio | 58.2630% | 5,837 |
| Assets per employee ($millions) | 4.6738% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1881% | 302 |
| Loan loss allowance to noncurrent loans | 36.7400% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 15.2895% | 94 |
| Noncurrent loans to loans | 11.3993% | 192 |
| Net loans and leases to total assets | 60.4918% | 3,739 |
| Net loans and leases to deposits | 70.4220% | 3,834 |
| Net loans and leases to core deposits | 73.9345% | 4,044 |
| Total domestic deposits to total assets | 85.8990% | 3,404 |
| Equity capital to assets | 9.7302% | 4,717 |
| Core capital (leverage) ratio | 9.6094% | 3,982 |
| Tier 1 risk-based capital ratio | 13.2107% | 5,028 |
| Total risk-based capital ratio | 14.5099% | 4,965 |
| Memoranda: | ||
| Average total assets | $246,342,330 | 2,588 |
| Average earning assets | $215,909,670 | 2,688 |
| Average equity | $22,952,000 | 2,858 |
| Average total loans | $166,237,670 | 2,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 3,881 |
| Cost of funding earning assets | 0.9296% | 2,444 |
| Net interest margin | 3.5781% | 4,363 |
| Noninterest income to average assets | 0.5227% | 3,762 |
| Noninterest expense to average assets | 2.1542% | 6,145 |
| Loan and lease loss provision to assets | 1.4655% | 237 |
| Net operating income to assets | 0.0619% | 6,314 |
| Return on assets (ROA) | 0.0619% | 6,430 |
| Pretax return on assets | 0.0619% | 6,440 |
| Return on Equity (ROE) | 0.6793% | 6,409 |
| Retained earnings to average equity (ytd only) | 0.6793% | 5,790 |
| Net charge-offs to loans | 1.6055% | 617 |
| Credit loss provision to net charge-offs | 131.0044% | 1,858 |
| Earnings coverage of net charge-offs (x) | 1.3654% | 3,647 |
| Efficiency ratio | 58.5139% | 5,850 |
| Assets per employee ($millions) | 5.0058% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5467% | 243 |
| Loan loss allowance to noncurrent loans | 36.2017% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 15.8183% | 93 |
| Noncurrent loans to loans | 12.5594% | 180 |
| Net loans and leases to total assets | 62.5641% | 3,147 |
| Net loans and leases to deposits | 72.3574% | 3,372 |
| Net loans and leases to core deposits | 75.6250% | 3,669 |
| Total domestic deposits to total assets | 86.4654% | 3,270 |
| Equity capital to assets | 9.1857% | 5,254 |
| Core capital (leverage) ratio | 9.2462% | 4,448 |
| Tier 1 risk-based capital ratio | 12.4207% | 5,670 |
| Total risk-based capital ratio | 13.7829% | 5,541 |
| Memoranda: | ||
| Average total assets | $245,657,000 | 2,604 |
| Average earning assets | $216,874,500 | 2,687 |
| Average equity | $22,376,500 | 2,932 |
| Average total loans | $171,158,500 | 2,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 4,349 |
| Cost of funding earning assets | 1.1323% | 2,451 |
| Net interest margin | 3.5431% | 4,971 |
| Noninterest income to average assets | -2.4888% | 7,355 |
| Noninterest expense to average assets | 2.5484% | 5,304 |
| Loan and lease loss provision to assets | 3.0597% | 120 |
| Net operating income to assets | -4.9068% | 7,299 |
| Return on assets (ROA) | -4.9068% | 7,304 |
| Pretax return on assets | -4.9068% | 7,307 |
| Return on Equity (ROE) | -51.8330% | 7,210 |
| Retained earnings to average equity (ytd only) | -51.8330% | 7,207 |
| Net charge-offs to loans | 3.5982% | 201 |
| Credit loss provision to net charge-offs | 111.6576% | 2,976 |
| Earnings coverage of net charge-offs (x) | -0.6741% | 6,138 |
| Efficiency ratio | 363.3964% | 19 |
| Assets per employee ($millions) | 4.5476% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0647% | 366 |
| Loan loss allowance to noncurrent loans | 25.0657% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 14.7020% | 134 |
| Noncurrent loans to loans | 16.2163% | 106 |
| Net loans and leases to total assets | 70.9558% | 1,828 |
| Net loans and leases to deposits | 81.8821% | 2,214 |
| Net loans and leases to core deposits | 85.6092% | 2,682 |
| Total domestic deposits to total assets | 86.6560% | 2,943 |
| Equity capital to assets | 9.0291% | 5,517 |
| Core capital (leverage) ratio | 9.0400% | 4,711 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,974 |
| Total risk-based capital ratio | 13.0572% | 5,935 |
| Memoranda: | ||
| Average total assets | $248,552,400 | 2,533 |
| Average earning assets | $223,789,600 | 2,568 |
| Average equity | $23,529,400 | 2,725 |
| Average total loans | $189,288,800 | 2,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 4,456 |
| Cost of funding earning assets | 1.1764% | 2,474 |
| Net interest margin | 3.5252% | 5,076 |
| Noninterest income to average assets | -3.4329% | 7,436 |
| Noninterest expense to average assets | 2.2728% | 6,111 |
| Loan and lease loss provision to assets | 3.5165% | 81 |
| Net operating income to assets | -6.0491% | 7,398 |
| Return on assets (ROA) | -6.0491% | 7,400 |
| Pretax return on assets | -6.0491% | 7,400 |
| Return on Equity (ROE) | -63.1963% | 7,333 |
| Retained earnings to average equity (ytd only) | -63.1963% | 7,330 |
| Net charge-offs to loans | 3.9573% | 174 |
| Credit loss provision to net charge-offs | 115.8772% | 2,821 |
| Earnings coverage of net charge-offs (x) | -0.8346% | 5,909 |
| Efficiency ratio | -874.7951% | 7,432 |
| Assets per employee ($millions) | 4.7577% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9154% | 423 |
| Loan loss allowance to noncurrent loans | 28.7506% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 12.6684% | 201 |
| Noncurrent loans to loans | 13.6186% | 180 |
| Net loans and leases to total assets | 74.4053% | 1,254 |
| Net loans and leases to deposits | 86.1688% | 1,670 |
| Net loans and leases to core deposits | 89.9014% | 2,260 |
| Total domestic deposits to total assets | 86.3483% | 3,014 |
| Equity capital to assets | 9.3619% | 5,284 |
| Core capital (leverage) ratio | 9.2008% | 4,627 |
| Tier 1 risk-based capital ratio | 11.6965% | 6,111 |
| Total risk-based capital ratio | 12.9976% | 6,070 |
| Memoranda: | ||
| Average total assets | $250,435,000 | 2,527 |
| Average earning assets | $225,419,500 | 2,562 |
| Average equity | $23,971,250 | 2,675 |
| Average total loans | $192,044,750 | 2,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 4,657 |
| Cost of funding earning assets | 1.2092% | 2,514 |
| Net interest margin | 3.4614% | 5,318 |
| Noninterest income to average assets | -1.0101% | 7,479 |
| Noninterest expense to average assets | 2.2716% | 6,195 |
| Loan and lease loss provision to assets | 3.7545% | 90 |
| Net operating income to assets | -3.9386% | 7,386 |
| Return on assets (ROA) | -3.9386% | 7,389 |
| Pretax return on assets | -3.9386% | 7,384 |
| Return on Equity (ROE) | -40.8616% | 7,309 |
| Retained earnings to average equity (ytd only) | -40.8616% | 7,304 |
| Net charge-offs to loans | 4.8318% | 140 |
| Credit loss provision to net charge-offs | 101.6478% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.0499% | 5,313 |
| Efficiency ratio | 108.8224% | 501 |
| Assets per employee ($millions) | 4.8215% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4566% | 615 |
| Loan loss allowance to noncurrent loans | 30.3040% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 13.5491% | 188 |
| Noncurrent loans to loans | 11.4065% | 292 |
| Net loans and leases to total assets | 72.7331% | 1,642 |
| Net loans and leases to deposits | 84.2104% | 2,077 |
| Net loans and leases to core deposits | 89.3617% | 2,453 |
| Total domestic deposits to total assets | 86.3707% | 3,115 |
| Equity capital to assets | 9.3647% | 5,050 |
| Core capital (leverage) ratio | 9.2783% | 4,279 |
| Tier 1 risk-based capital ratio | 11.6041% | 6,088 |
| Total risk-based capital ratio | 12.8709% | 6,073 |
| Memoranda: | ||
| Average total assets | $253,032,000 | 2,513 |
| Average earning assets | $226,439,670 | 2,564 |
| Average equity | $24,389,670 | 2,624 |
| Average total loans | $193,427,330 | 2,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 5,229 |
| Cost of funding earning assets | 1.2474% | 2,520 |
| Net interest margin | 3.2872% | 5,823 |
| Noninterest income to average assets | 0.3021% | 5,503 |
| Noninterest expense to average assets | 4.9365% | 388 |
| Loan and lease loss provision to assets | 2.7539% | 180 |
| Net operating income to assets | -4.4439% | 7,467 |
| Return on assets (ROA) | -4.4439% | 7,468 |
| Pretax return on assets | -4.4439% | 7,457 |
| Return on Equity (ROE) | -45.4659% | 7,393 |
| Retained earnings to average equity (ytd only) | -45.4659% | 7,379 |
| Net charge-offs to loans | 5.3633% | 134 |
| Credit loss provision to net charge-offs | 66.6921% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.4093% | 4,766 |
| Efficiency ratio | 152.0601% | 149 |
| Assets per employee ($millions) | 4.8428% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9700% | 939 |
| Loan loss allowance to noncurrent loans | 26.1057% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 13.5554% | 194 |
| Noncurrent loans to loans | 11.3770% | 321 |
| Net loans and leases to total assets | 72.3639% | 1,641 |
| Net loans and leases to deposits | 83.9217% | 2,046 |
| Net loans and leases to core deposits | 89.0374% | 2,480 |
| Total domestic deposits to total assets | 86.2278% | 3,381 |
| Equity capital to assets | 9.6031% | 4,309 |
| Core capital (leverage) ratio | 9.3378% | 4,072 |
| Tier 1 risk-based capital ratio | 11.8992% | 5,781 |
| Total risk-based capital ratio | 13.1617% | 5,761 |
| Memoranda: | ||
| Average total assets | $254,189,000 | 2,529 |
| Average earning assets | $227,670,000 | 2,573 |
| Average equity | $24,845,000 | 2,559 |
| Average total loans | $195,699,000 | 2,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 6,138 |
| Cost of funding earning assets | 1.7538% | 1,366 |
| Net interest margin | 2.8379% | 6,982 |
| Noninterest income to average assets | 0.2919% | 5,695 |
| Noninterest expense to average assets | 3.3534% | 2,574 |
| Loan and lease loss provision to assets | 2.2020% | 555 |
| Net operating income to assets | -2.6828% | 7,225 |
| Return on assets (ROA) | -2.6845% | 7,239 |
| Pretax return on assets | -2.6845% | 7,219 |
| Return on Equity (ROE) | -28.2235% | 7,194 |
| Retained earnings to average equity (ytd only) | -28.2235% | 7,182 |
| Net charge-offs to loans | 2.2429% | 867 |
| Credit loss provision to net charge-offs | 133.0913% | 2,946 |
| Earnings coverage of net charge-offs (x) | -0.2906% | 6,352 |
| Efficiency ratio | 90.0000% | 1,325 |
| Assets per employee ($millions) | 4.9337% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1691% | 754 |
| Loan loss allowance to noncurrent loans | 23.9664% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 14.5440% | 182 |
| Noncurrent loans to loans | 13.2232% | 223 |
| Net loans and leases to total assets | 76.8410% | 1,121 |
| Net loans and leases to deposits | 89.4041% | 1,598 |
| Net loans and leases to core deposits | 97.0865% | 1,882 |
| Total domestic deposits to total assets | 85.9479% | 3,386 |
| Equity capital to assets | 9.9422% | 3,823 |
| Core capital (leverage) ratio | 9.3174% | 3,982 |
| Tier 1 risk-based capital ratio | 11.7009% | 5,726 |
| Total risk-based capital ratio | 12.9716% | 5,714 |
| Memoranda: | ||
| Average total assets | $299,723,000 | 2,150 |
| Average earning assets | $272,557,400 | 2,166 |
| Average equity | $28,508,200 | 2,281 |
| Average total loans | $221,102,000 | 1,964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 6,370 |
| Cost of funding earning assets | 1.8323% | 1,292 |
| Net interest margin | 2.7551% | 7,174 |
| Noninterest income to average assets | 0.2864% | 5,825 |
| Noninterest expense to average assets | 2.3169% | 6,266 |
| Loan and lease loss provision to assets | 1.7605% | 712 |
| Net operating income to assets | -1.2796% | 7,018 |
| Return on assets (ROA) | -1.2817% | 7,049 |
| Pretax return on assets | -1.2817% | 6,970 |
| Return on Equity (ROE) | -13.6025% | 7,058 |
| Retained earnings to average equity (ytd only) | -13.6025% | 7,025 |
| Net charge-offs to loans | 0.4470% | 3,522 |
| Credit loss provision to net charge-offs | 542.3280% | 531 |
| Earnings coverage of net charge-offs (x) | 1.4815% | 4,618 |
| Efficiency ratio | 82.8115% | 1,971 |
| Assets per employee ($millions) | 4.9757% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8712% | 412 |
| Loan loss allowance to noncurrent loans | 34.0743% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 12.2201% | 261 |
| Noncurrent loans to loans | 11.3610% | 327 |
| Net loans and leases to total assets | 70.1699% | 2,697 |
| Net loans and leases to deposits | 81.0502% | 3,254 |
| Net loans and leases to core deposits | 87.7351% | 3,407 |
| Total domestic deposits to total assets | 86.5758% | 2,771 |
| Equity capital to assets | 9.7498% | 4,473 |
| Core capital (leverage) ratio | 9.0424% | 4,612 |
| Tier 1 risk-based capital ratio | 11.2599% | 6,134 |
| Total risk-based capital ratio | 12.5002% | 6,136 |
| Memoranda: | ||
| Average total assets | $310,515,750 | 2,128 |
| Average earning assets | $283,059,000 | 2,124 |
| Average equity | $29,258,500 | 2,258 |
| Average total loans | $225,480,250 | 1,955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 6,408 |
| Cost of funding earning assets | 1.9206% | 1,158 |
| Net interest margin | 2.6967% | 7,260 |
| Noninterest income to average assets | 0.2366% | 6,212 |
| Noninterest expense to average assets | 2.3227% | 6,296 |
| Loan and lease loss provision to assets | 1.8878% | 660 |
| Net operating income to assets | -1.5033% | 7,151 |
| Return on assets (ROA) | -1.5033% | 7,162 |
| Pretax return on assets | -1.5033% | 7,080 |
| Return on Equity (ROE) | -16.1243% | 7,177 |
| Retained earnings to average equity (ytd only) | -16.1243% | 7,140 |
| Net charge-offs to loans | -0.1363% | 7,595 |
| Credit loss provision to net charge-offs | -1,910.8280% | 6,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7973% | 1,736 |
| Assets per employee ($millions) | 5.6280% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6105% | 507 |
| Loan loss allowance to noncurrent loans | 26.1364% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 12.7001% | 236 |
| Noncurrent loans to loans | 13.8140% | 204 |
| Net loans and leases to total assets | 74.1208% | 1,884 |
| Net loans and leases to deposits | 85.9314% | 2,513 |
| Net loans and leases to core deposits | 93.9210% | 2,728 |
| Total domestic deposits to total assets | 86.2558% | 2,944 |
| Equity capital to assets | 10.0185% | 4,004 |
| Core capital (leverage) ratio | 9.0196% | 4,567 |
| Tier 1 risk-based capital ratio | 12.5413% | 4,818 |
| Total risk-based capital ratio | 13.8192% | 4,776 |
| Memoranda: | ||
| Average total assets | $317,824,000 | 2,089 |
| Average earning assets | $291,166,000 | 2,083 |
| Average equity | $29,632,330 | 2,213 |
| Average total loans | $230,420,670 | 1,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 5,997 |
| Cost of funding earning assets | 2.0165% | 1,026 |
| Net interest margin | 2.7542% | 7,244 |
| Noninterest income to average assets | 0.2269% | 6,336 |
| Noninterest expense to average assets | 1.9531% | 7,245 |
| Loan and lease loss provision to assets | 3.6012% | 257 |
| Net operating income to assets | -2.7897% | 7,607 |
| Return on assets (ROA) | -2.7897% | 7,610 |
| Pretax return on assets | -2.8041% | 7,571 |
| Return on Equity (ROE) | -30.9140% | 7,585 |
| Retained earnings to average equity (ytd only) | -30.9140% | 7,562 |
| Net charge-offs to loans | -0.2499% | 7,710 |
| Credit loss provision to net charge-offs | -2,040.8163% | 6,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0170% | 4,116 |
| Assets per employee ($millions) | 5.9095% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4387% | 569 |
| Loan loss allowance to noncurrent loans | 29.1448% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 10.7146% | 351 |
| Noncurrent loans to loans | 11.7985% | 301 |
| Net loans and leases to total assets | 70.0277% | 2,929 |
| Net loans and leases to deposits | 89.9134% | 1,917 |
| Net loans and leases to core deposits | 103.1541% | 1,810 |
| Total domestic deposits to total assets | 77.8835% | 6,346 |
| Equity capital to assets | 9.0472% | 5,212 |
| Core capital (leverage) ratio | 7.8200% | 6,473 |
| Tier 1 risk-based capital ratio | 11.6693% | 5,512 |
| Total risk-based capital ratio | 12.9476% | 5,451 |
| Memoranda: | ||
| Average total assets | $333,221,000 | 2,050 |
| Average earning assets | $305,275,000 | 2,045 |
| Average equity | $30,070,500 | 2,214 |
| Average total loans | $235,272,000 | 1,959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 3,498 |
| Cost of funding earning assets | 2.3039% | 1,641 |
| Net interest margin | 3.3164% | 5,676 |
| Noninterest income to average assets | 0.3272% | 5,741 |
| Noninterest expense to average assets | 1.9160% | 7,481 |
| Loan and lease loss provision to assets | 1.7681% | 1,285 |
| Net operating income to assets | -0.2951% | 5,964 |
| Return on assets (ROA) | -0.2951% | 5,964 |
| Pretax return on assets | -0.2801% | 5,816 |
| Return on Equity (ROE) | -2.9607% | 5,979 |
| Retained earnings to average equity (ytd only) | -4.8348% | 5,998 |
| Net charge-offs to loans | 1.4702% | 1,707 |
| Credit loss provision to net charge-offs | 147.5778% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.2419% | 4,884 |
| Efficiency ratio | 56.2869% | 6,977 |
| Assets per employee ($millions) | 6.2023% | 1,132 |
| Cash dividends to net income (ytd only)* | -63.2967% | 7,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 1,992 |
| Loan loss allowance to noncurrent loans | 23.6123% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 7.9375% | 572 |
| Noncurrent loans to loans | 8.5209% | 563 |
| Net loans and leases to total assets | 67.4598% | 3,822 |
| Net loans and leases to deposits | 85.3798% | 3,013 |
| Net loans and leases to core deposits | 140.8986% | 779 |
| Total domestic deposits to total assets | 79.0114% | 5,974 |
| Equity capital to assets | 9.0030% | 5,144 |
| Core capital (leverage) ratio | 8.5393% | 5,219 |
| Tier 1 risk-based capital ratio | 11.1747% | 5,750 |
| Total risk-based capital ratio | 12.4359% | 5,695 |
| Memoranda: | ||
| Average total assets | $308,407,000 | 2,172 |
| Average earning assets | $286,125,200 | 2,149 |
| Average equity | $30,735,800 | 2,182 |
| Average total loans | $251,326,400 | 1,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 2,755 |
| Cost of funding earning assets | 2.3590% | 1,769 |
| Net interest margin | 3.4704% | 4,989 |
| Noninterest income to average assets | 0.3500% | 5,693 |
| Noninterest expense to average assets | 1.9218% | 7,509 |
| Loan and lease loss provision to assets | 1.2053% | 1,610 |
| Net operating income to assets | 0.4321% | 4,270 |
| Return on assets (ROA) | 0.4321% | 4,370 |
| Pretax return on assets | 0.4625% | 4,634 |
| Return on Equity (ROE) | 4.2174% | 4,292 |
| Retained earnings to average equity (ytd only) | 1.7079% | 4,356 |
| Net charge-offs to loans | 0.6793% | 2,659 |
| Credit loss provision to net charge-offs | 208.3333% | 2,118 |
| Earnings coverage of net charge-offs (x) | 2.8827% | 3,785 |
| Efficiency ratio | 53.5381% | 7,287 |
| Assets per employee ($millions) | 5.4473% | 1,669 |
| Cash dividends to net income (ytd only)* | 59.5043% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,418 |
| Loan loss allowance to noncurrent loans | 36.4394% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 4.8012% | 1,232 |
| Noncurrent loans to loans | 4.8215% | 1,409 |
| Net loans and leases to total assets | 81.7178% | 858 |
| Net loans and leases to deposits | 108.2973% | 541 |
| Net loans and leases to core deposits | 160.1826% | 377 |
| Total domestic deposits to total assets | 75.4569% | 6,685 |
| Equity capital to assets | 10.8952% | 3,119 |
| Core capital (leverage) ratio | 10.1684% | 3,096 |
| Tier 1 risk-based capital ratio | 11.1904% | 5,768 |
| Total risk-based capital ratio | 12.4451% | 5,711 |
| Memoranda: | ||
| Average total assets | $298,677,000 | 2,233 |
| Average earning assets | $278,806,750 | 2,205 |
| Average equity | $30,602,250 | 2,213 |
| Average total loans | $254,378,750 | 1,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7329% | 3,380 |
| Cost of funding earning assets | 2.4133% | 1,914 |
| Net interest margin | 3.3196% | 5,476 |
| Noninterest income to average assets | 0.3750% | 5,510 |
| Noninterest expense to average assets | 1.8479% | 7,688 |
| Loan and lease loss provision to assets | 1.3488% | 1,283 |
| Net operating income to assets | 0.2522% | 5,078 |
| Return on assets (ROA) | 0.2522% | 5,172 |
| Pretax return on assets | 0.2860% | 5,237 |
| Return on Equity (ROE) | 2.5165% | 5,094 |
| Retained earnings to average equity (ytd only) | -0.7199% | 5,404 |
| Net charge-offs to loans | 0.0016% | 6,610 |
| Credit loss provision to net charge-offs | 100,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,212.0000% | 23 |
| Efficiency ratio | 53.0596% | 7,426 |
| Assets per employee ($millions) | 4.9280% | 2,170 |
| Cash dividends to net income (ytd only)* | 128.6096% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 1,719 |
| Loan loss allowance to noncurrent loans | 34.0892% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 5.1013% | 1,022 |
| Noncurrent loans to loans | 5.6607% | 1,009 |
| Net loans and leases to total assets | 88.2896% | 222 |
| Net loans and leases to deposits | 117.1219% | 296 |
| Net loans and leases to core deposits | 162.0702% | 421 |
| Total domestic deposits to total assets | 75.3827% | 6,685 |
| Equity capital to assets | 10.2751% | 3,636 |
| Core capital (leverage) ratio | 9.1414% | 4,398 |
| Tier 1 risk-based capital ratio | 10.0931% | 6,826 |
| Total risk-based capital ratio | 11.2878% | 6,804 |
| Memoranda: | ||
| Average total assets | $296,552,330 | 2,277 |
| Average earning assets | $277,627,000 | 2,236 |
| Average equity | $29,724,330 | 2,286 |
| Average total loans | $254,592,000 | 1,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6009% | 4,351 |
| Cost of funding earning assets | 2.4668% | 2,043 |
| Net interest margin | 3.1342% | 6,091 |
| Noninterest income to average assets | 0.2511% | 6,445 |
| Noninterest expense to average assets | 1.6911% | 7,831 |
| Loan and lease loss provision to assets | 1.7365% | 718 |
| Net operating income to assets | -0.2885% | 6,665 |
| Return on assets (ROA) | -0.2885% | 6,743 |
| Pretax return on assets | -0.2471% | 6,620 |
| Return on Equity (ROE) | -2.9141% | 6,765 |
| Retained earnings to average equity (ytd only) | -8.1217% | 6,926 |
| Net charge-offs to loans | 0.0112% | 5,467 |
| Credit loss provision to net charge-offs | 18,571.4286% | 26 |
| Earnings coverage of net charge-offs (x) | 159.2857% | 274 |
| Efficiency ratio | 53.1709% | 7,302 |
| Assets per employee ($millions) | 5.2592% | 1,785 |
| Cash dividends to net income (ytd only)* | -178.7037% | 8,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 2,158 |
| Loan loss allowance to noncurrent loans | 54.3171% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 2,112 |
| Noncurrent loans to loans | 3.1253% | 2,069 |
| Net loans and leases to total assets | 82.5248% | 925 |
| Net loans and leases to deposits | 109.5570% | 637 |
| Net loans and leases to core deposits | 152.0926% | 645 |
| Total domestic deposits to total assets | 75.3259% | 6,640 |
| Equity capital to assets | 9.6295% | 4,483 |
| Core capital (leverage) ratio | 8.9381% | 4,811 |
| Tier 1 risk-based capital ratio | 9.7758% | 7,171 |
| Total risk-based capital ratio | 11.0300% | 7,074 |
| Memoranda: | ||
| Average total assets | $299,453,000 | 2,270 |
| Average earning assets | $279,882,000 | 2,238 |
| Average equity | $29,649,000 | 2,306 |
| Average total loans | $251,011,000 | 1,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6708% | 2,149 |
| Cost of funding earning assets | 2.7478% | 2,936 |
| Net interest margin | 3.9230% | 3,470 |
| Noninterest income to average assets | 0.3269% | 6,106 |
| Noninterest expense to average assets | 2.1035% | 7,229 |
| Loan and lease loss provision to assets | 0.5125% | 2,759 |
| Net operating income to assets | 1.3148% | 1,445 |
| Return on assets (ROA) | 1.3151% | 1,398 |
| Pretax return on assets | 1.3403% | 2,169 |
| Return on Equity (ROE) | 11.5589% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.8063% | 2,145 |
| Net charge-offs to loans | 0.1419% | 4,798 |
| Credit loss provision to net charge-offs | 437.6238% | 999 |
| Earnings coverage of net charge-offs (x) | 15.8185% | 1,903 |
| Efficiency ratio | 53.1751% | 7,359 |
| Assets per employee ($millions) | 5.2478% | 1,686 |
| Cash dividends to net income (ytd only)* | 58.4190% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,225 |
| Loan loss allowance to noncurrent loans | 158.8450% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 4,891 |
| Noncurrent loans to loans | 0.7815% | 5,082 |
| Net loans and leases to total assets | 82.6528% | 1,109 |
| Net loans and leases to deposits | 111.2824% | 751 |
| Net loans and leases to core deposits | 137.0167% | 1,432 |
| Total domestic deposits to total assets | 74.2730% | 6,610 |
| Equity capital to assets | 10.1829% | 3,826 |
| Core capital (leverage) ratio | 9.5086% | 4,006 |
| Tier 1 risk-based capital ratio | 10.2325% | 6,486 |
| Total risk-based capital ratio | 11.3711% | 6,466 |
| Memoranda: | ||
| Average total assets | $258,755,400 | 2,474 |
| Average earning assets | $239,355,000 | 2,460 |
| Average equity | $29,440,400 | 2,298 |
| Average total loans | $213,539,400 | 2,179 |