Home > FNBC Bank & Trust > Performance and Condition Ratios
FNBC Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 4,434 |
| Cost of funding earning assets | 0.7907% | 3,762 |
| Net interest margin | 2.6019% | 3,959 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.7304% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4720% | 3,730 |
| Return on assets (ROA) | 0.4841% | 3,698 |
| Pretax return on assets | 0.6131% | 3,610 |
| Return on Equity (ROE) | 7.0100% | 3,282 |
| Retained earnings to average equity (ytd only) | 2.0848% | 3,560 |
| Net charge-offs to loans | -0.0081% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.0397% | 774 |
| Assets per employee ($millions) | 7.1025% | 2,010 |
| Cash dividends to net income (ytd only)* | 70.2555% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,194 |
| Loan loss allowance to noncurrent loans | 1,384.3750% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,310 |
| Noncurrent loans to loans | 0.0880% | 3,101 |
| Net loans and leases to total assets | 49.3700% | 3,634 |
| Net loans and leases to deposits | 53.5514% | 3,814 |
| Net loans and leases to core deposits | 54.6289% | 3,957 |
| Total domestic deposits to total assets | 92.1900% | 278 |
| Equity capital to assets | 7.3171% | 3,810 |
| Core capital (leverage) ratio | 9.1503% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4423% | 738 |
| Memoranda: | ||
| Average total assets | $565,961,000 | 1,564 |
| Average earning assets | $539,638,000 | 1,525 |
| Average equity | $39,093,400 | 1,914 |
| Average total loans | $282,528,200 | 1,860 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3241% | 4,447 |
| Cost of funding earning assets | 0.6942% | 3,777 |
| Net interest margin | 2.6299% | 3,982 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.7907% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4350% | 3,900 |
| Return on assets (ROA) | 0.4514% | 3,864 |
| Pretax return on assets | 0.5804% | 3,771 |
| Return on Equity (ROE) | 6.6400% | 3,516 |
| Retained earnings to average equity (ytd only) | 1.4026% | 3,864 |
| Net charge-offs to loans | -0.0076% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.2920% | 656 |
| Assets per employee ($millions) | 6.8081% | 2,100 |
| Cash dividends to net income (ytd only)* | 78.8644% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 1,925 |
| Loan loss allowance to noncurrent loans | 878.0952% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,105 |
| Noncurrent loans to loans | 0.1466% | 2,820 |
| Net loans and leases to total assets | 50.0500% | 3,613 |
| Net loans and leases to deposits | 53.8045% | 3,794 |
| Net loans and leases to core deposits | 54.7466% | 3,902 |
| Total domestic deposits to total assets | 93.0200% | 298 |
| Equity capital to assets | 6.5298% | 3,824 |
| Core capital (leverage) ratio | 9.2237% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5136% | 760 |
| Memoranda: | ||
| Average total assets | $561,850,250 | 1,575 |
| Average earning assets | $535,267,000 | 1,538 |
| Average equity | $38,213,000 | 1,928 |
| Average total loans | $280,396,250 | 1,875 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 4,476 |
| Cost of funding earning assets | 0.5619% | 3,852 |
| Net interest margin | 2.6982% | 3,974 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.8296% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4730% | 3,867 |
| Return on assets (ROA) | 0.4975% | 3,819 |
| Pretax return on assets | 0.6580% | 3,687 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.8201% | 3,530 |
| Net charge-offs to loans | -0.0101% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.8613% | 717 |
| Assets per employee ($millions) | 6.8101% | 2,067 |
| Cash dividends to net income (ytd only)* | 60.9319% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,896 |
| Loan loss allowance to noncurrent loans | 1,166.1392% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,207 |
| Noncurrent loans to loans | 0.1122% | 2,922 |
| Net loans and leases to total assets | 49.7900% | 3,577 |
| Net loans and leases to deposits | 53.7250% | 3,762 |
| Net loans and leases to core deposits | 54.4796% | 3,871 |
| Total domestic deposits to total assets | 92.6700% | 300 |
| Equity capital to assets | 6.8956% | 3,851 |
| Core capital (leverage) ratio | 9.4534% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0220% | 717 |
| Memoranda: | ||
| Average total assets | $560,776,333 | 1,577 |
| Average earning assets | $534,279,000 | 1,543 |
| Average equity | $38,651,333 | 1,918 |
| Average total loans | $278,359,667 | 1,873 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 4,465 |
| Cost of funding earning assets | 0.4809% | 3,756 |
| Net interest margin | 2.7791% | 3,974 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.8266% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5606% | 3,772 |
| Return on assets (ROA) | 0.5915% | 3,672 |
| Pretax return on assets | 0.7837% | 3,497 |
| Return on Equity (ROE) | 8.5800% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.4521% | 3,142 |
| Net charge-offs to loans | -0.0087% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1509% | 886 |
| Assets per employee ($millions) | 6.6372% | 2,241 |
| Cash dividends to net income (ytd only)* | 48.1348% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 1,909 |
| Loan loss allowance to noncurrent loans | 189.6854% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 1,479 |
| Noncurrent loans to loans | 0.6996% | 1,087 |
| Net loans and leases to total assets | 48.4800% | 3,596 |
| Net loans and leases to deposits | 52.4553% | 3,768 |
| Net loans and leases to core deposits | 53.0744% | 3,867 |
| Total domestic deposits to total assets | 92.4100% | 420 |
| Equity capital to assets | 7.2153% | 3,719 |
| Core capital (leverage) ratio | 9.1508% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1856% | 724 |
| Memoranda: | ||
| Average total assets | $561,949,500 | 1,592 |
| Average earning assets | $534,857,000 | 1,554 |
| Average equity | $38,723,500 | 1,941 |
| Average total loans | $276,680,000 | 1,897 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8655% | 4,272 |
| Cost of funding earning assets | 0.1045% | 4,374 |
| Net interest margin | 2.7610% | 3,957 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.6386% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8821% | 3,037 |
| Return on assets (ROA) | 0.8007% | 3,250 |
| Pretax return on assets | 0.8003% | 3,623 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | -7.1822% | 4,607 |
| Net charge-offs to loans | 0.0100% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 188.7857% | 681 |
| Efficiency ratio | 74.9526% | 1,121 |
| Assets per employee ($millions) | 6.6635% | 2,205 |
| Cash dividends to net income (ytd only)* | 166.6667% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,762 |
| Loan loss allowance to noncurrent loans | 155.4615% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 1,207 |
| Noncurrent loans to loans | 0.8552% | 871 |
| Net loans and leases to total assets | 48.6900% | 3,615 |
| Net loans and leases to deposits | 52.3594% | 3,777 |
| Net loans and leases to core deposits | 52.9574% | 3,868 |
| Total domestic deposits to total assets | 92.9900% | 409 |
| Equity capital to assets | 6.5640% | 3,879 |
| Core capital (leverage) ratio | 9.1286% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9575% | 724 |
| Memoranda: | ||
| Average total assets | $599,490,800 | 1,484 |
| Average earning assets | $572,262,200 | 1,445 |
| Average equity | $44,554,400 | 1,766 |
| Average total loans | $279,023,000 | 1,822 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8099% | 4,182 |
| Cost of funding earning assets | 0.0657% | 4,500 |
| Net interest margin | 2.7442% | 3,844 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.6477% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9202% | 2,793 |
| Return on assets (ROA) | 0.8178% | 3,141 |
| Pretax return on assets | 0.7406% | 3,712 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 3.5491% | 3,599 |
| Net charge-offs to loans | -0.0172% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.8508% | 1,093 |
| Assets per employee ($millions) | 6.4856% | 2,331 |
| Cash dividends to net income (ytd only)* | 66.8807% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,656 |
| Loan loss allowance to noncurrent loans | 168.2883% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 843 |
| Noncurrent loans to loans | 0.8237% | 964 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 51.7376% | 3,747 |
| Net loans and leases to core deposits | 52.3051% | 3,841 |
| Total domestic deposits to total assets | 92.1000% | 848 |
| Equity capital to assets | 7.4721% | 3,234 |
| Core capital (leverage) ratio | 10.0278% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7683% | 578 |
| Memoranda: | ||
| Average total assets | $609,430,000 | 1,466 |
| Average earning assets | $582,689,500 | 1,429 |
| Average equity | $46,507,750 | 1,734 |
| Average total loans | $279,730,000 | 1,810 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8027% | 3,970 |
| Cost of funding earning assets | 0.0646% | 4,496 |
| Net interest margin | 2.7381% | 3,616 |
| Noninterest income to average assets | 0.9023% | 847 |
| Noninterest expense to average assets | 2.6369% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0858% | 1,825 |
| Return on assets (ROA) | 0.9939% | 2,153 |
| Pretax return on assets | 0.7976% | 3,339 |
| Return on Equity (ROE) | 12.9432% | 1,396 |
| Retained earnings to average equity (ytd only) | 6.7085% | 2,086 |
| Net charge-offs to loans | -0.0085% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7760% | 1,416 |
| Assets per employee ($millions) | 6.3791% | 2,407 |
| Cash dividends to net income (ytd only)* | 48.1696% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,716 |
| Loan loss allowance to noncurrent loans | 159.3562% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 905 |
| Noncurrent loans to loans | 0.8850% | 955 |
| Net loans and leases to total assets | 46.7720% | 3,658 |
| Net loans and leases to deposits | 50.6791% | 3,773 |
| Net loans and leases to core deposits | 51.3124% | 3,853 |
| Total domestic deposits to total assets | 92.2904% | 732 |
| Equity capital to assets | 7.2801% | 3,610 |
| Core capital (leverage) ratio | 8.9952% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6331% | 494 |
| Memoranda: | ||
| Average total assets | $626,651,667 | 1,440 |
| Average earning assets | $600,572,333 | 1,403 |
| Average equity | $48,118,000 | 1,730 |
| Average total loans | $283,131,667 | 1,786 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6371% | 4,055 |
| Cost of funding earning assets | 0.0608% | 4,521 |
| Net interest margin | 2.5763% | 3,714 |
| Noninterest income to average assets | 0.7644% | 1,136 |
| Noninterest expense to average assets | 2.4435% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3646% | 869 |
| Return on assets (ROA) | 1.3036% | 991 |
| Pretax return on assets | 0.7396% | 3,276 |
| Return on Equity (ROE) | 16.6155% | 463 |
| Retained earnings to average equity (ytd only) | 8.9196% | 1,287 |
| Net charge-offs to loans | -0.0068% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3210% | 1,600 |
| Assets per employee ($millions) | 7.0546% | 1,957 |
| Cash dividends to net income (ytd only)* | 46.3177% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,422 |
| Loan loss allowance to noncurrent loans | 280.0454% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,277 |
| Noncurrent loans to loans | 0.4598% | 1,874 |
| Net loans and leases to total assets | 42.8331% | 3,830 |
| Net loans and leases to deposits | 46.2418% | 3,962 |
| Net loans and leases to core deposits | 46.6075% | 4,044 |
| Total domestic deposits to total assets | 92.6285% | 370 |
| Equity capital to assets | 7.0265% | 4,201 |
| Core capital (leverage) ratio | 8.6815% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1143% | 632 |
| Memoranda: | ||
| Average total assets | $662,486,500 | 1,377 |
| Average earning assets | $637,667,500 | 1,349 |
| Average equity | $51,975,500 | 1,678 |
| Average total loans | $293,053,000 | 1,725 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 4,047 |
| Cost of funding earning assets | 0.0633% | 4,623 |
| Net interest margin | 2.8398% | 3,586 |
| Noninterest income to average assets | 0.6934% | 1,789 |
| Noninterest expense to average assets | 2.5325% | 2,081 |
| Loan and lease loss provision to assets | -0.0233% | 4,242 |
| Net operating income to assets | 0.8926% | 3,071 |
| Return on assets (ROA) | 0.8773% | 3,178 |
| Pretax return on assets | 0.8903% | 3,531 |
| Return on Equity (ROE) | 9.5301% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.7879% | 3,729 |
| Net charge-offs to loans | -0.0110% | 3,775 |
| Credit loss provision to net charge-offs | 428.5714% | 879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1572% | 1,283 |
| Assets per employee ($millions) | 7.2730% | 1,749 |
| Cash dividends to net income (ytd only)* | 70.7464% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,671 |
| Loan loss allowance to noncurrent loans | 182.7160% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,748 |
| Noncurrent loans to loans | 0.6787% | 1,475 |
| Net loans and leases to total assets | 44.5214% | 3,799 |
| Net loans and leases to deposits | 48.9831% | 3,942 |
| Net loans and leases to core deposits | 49.3578% | 4,038 |
| Total domestic deposits to total assets | 90.8915% | 530 |
| Equity capital to assets | 8.6661% | 3,918 |
| Core capital (leverage) ratio | 8.4741% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3883% | 709 |
| Memoranda: | ||
| Average total assets | $644,498,000 | 1,371 |
| Average earning assets | $617,693,200 | 1,342 |
| Average equity | $59,327,800 | 1,523 |
| Average total loans | $318,544,400 | 1,627 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9118% | 4,152 |
| Cost of funding earning assets | 0.0633% | 4,722 |
| Net interest margin | 2.8484% | 3,662 |
| Noninterest income to average assets | 0.6496% | 2,010 |
| Noninterest expense to average assets | 2.5784% | 1,902 |
| Loan and lease loss provision to assets | -0.0312% | 4,399 |
| Net operating income to assets | 0.8159% | 3,483 |
| Return on assets (ROA) | 0.8064% | 3,585 |
| Pretax return on assets | 0.8183% | 3,858 |
| Return on Equity (ROE) | 8.6300% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.2779% | 4,116 |
| Net charge-offs to loans | -0.0111% | 3,717 |
| Credit loss provision to net charge-offs | 555.5556% | 726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3962% | 1,014 |
| Assets per employee ($millions) | 6.9878% | 1,877 |
| Cash dividends to net income (ytd only)* | 73.6054% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,126 |
| Loan loss allowance to noncurrent loans | 129.9085% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 1,482 |
| Noncurrent loans to loans | 0.8999% | 1,282 |
| Net loans and leases to total assets | 47.5178% | 3,674 |
| Net loans and leases to deposits | 52.4986% | 3,845 |
| Net loans and leases to core deposits | 52.9048% | 3,987 |
| Total domestic deposits to total assets | 90.5124% | 557 |
| Equity capital to assets | 9.0785% | 3,759 |
| Core capital (leverage) ratio | 8.5793% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4277% | 893 |
| Memoranda: | ||
| Average total assets | $640,162,250 | 1,395 |
| Average earning assets | $612,534,500 | 1,367 |
| Average equity | $59,820,750 | 1,541 |
| Average total loans | $323,590,250 | 1,641 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9468% | 4,144 |
| Cost of funding earning assets | 0.0630% | 4,778 |
| Net interest margin | 2.8838% | 3,618 |
| Noninterest income to average assets | 0.5449% | 2,427 |
| Noninterest expense to average assets | 2.6300% | 1,774 |
| Loan and lease loss provision to assets | -0.0473% | 4,512 |
| Net operating income to assets | 0.7053% | 3,752 |
| Return on assets (ROA) | 0.6899% | 3,849 |
| Pretax return on assets | 0.7012% | 4,061 |
| Return on Equity (ROE) | 7.3108% | 3,574 |
| Retained earnings to average equity (ytd only) | 0.6312% | 4,407 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7039% | 805 |
| Assets per employee ($millions) | 6.7156% | 2,012 |
| Cash dividends to net income (ytd only)* | 91.3659% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,198 |
| Loan loss allowance to noncurrent loans | 117.4303% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 1,517 |
| Noncurrent loans to loans | 0.9790% | 1,261 |
| Net loans and leases to total assets | 48.8830% | 3,655 |
| Net loans and leases to deposits | 54.0854% | 3,854 |
| Net loans and leases to core deposits | 54.5124% | 3,994 |
| Total domestic deposits to total assets | 90.3810% | 608 |
| Equity capital to assets | 9.1586% | 3,646 |
| Core capital (leverage) ratio | 8.6638% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3642% | 902 |
| Memoranda: | ||
| Average total assets | $634,600,000 | 1,398 |
| Average earning assets | $606,219,667 | 1,368 |
| Average equity | $59,883,667 | 1,527 |
| Average total loans | $326,183,000 | 1,637 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9774% | 4,135 |
| Cost of funding earning assets | 0.0632% | 4,816 |
| Net interest margin | 2.9143% | 3,480 |
| Noninterest income to average assets | 0.7504% | 1,707 |
| Noninterest expense to average assets | 2.6705% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8524% | 3,263 |
| Return on assets (ROA) | 0.8285% | 3,410 |
| Pretax return on assets | 0.8400% | 3,740 |
| Return on Equity (ROE) | 8.6497% | 3,146 |
| Retained earnings to average equity (ytd only) | 2.0165% | 4,002 |
| Net charge-offs to loans | -0.0073% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5528% | 1,176 |
| Assets per employee ($millions) | 6.5042% | 2,176 |
| Cash dividends to net income (ytd only)* | 76.6871% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,238 |
| Loan loss allowance to noncurrent loans | 119.6680% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 1,091 |
| Noncurrent loans to loans | 0.9539% | 1,418 |
| Net loans and leases to total assets | 51.9149% | 3,453 |
| Net loans and leases to deposits | 57.4647% | 3,678 |
| Net loans and leases to core deposits | 58.0122% | 3,833 |
| Total domestic deposits to total assets | 90.3422% | 646 |
| Equity capital to assets | 9.2692% | 3,426 |
| Core capital (leverage) ratio | 8.9424% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2883% | 878 |
| Memoranda: | ||
| Average total assets | $629,553,500 | 1,393 |
| Average earning assets | $601,454,500 | 1,369 |
| Average equity | $60,303,000 | 1,511 |
| Average total loans | $329,869,500 | 1,629 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2201% | 4,427 |
| Cost of funding earning assets | 0.1090% | 4,843 |
| Net interest margin | 3.1111% | 3,604 |
| Noninterest income to average assets | 0.8753% | 1,331 |
| Noninterest expense to average assets | 2.7488% | 2,080 |
| Loan and lease loss provision to assets | 0.1251% | 2,800 |
| Net operating income to assets | 0.9596% | 2,439 |
| Return on assets (ROA) | 0.9674% | 2,558 |
| Pretax return on assets | 0.9799% | 3,106 |
| Return on Equity (ROE) | 9.2757% | 2,290 |
| Retained earnings to average equity (ytd only) | 3.0286% | 3,334 |
| Net charge-offs to loans | 0.0080% | 3,044 |
| Credit loss provision to net charge-offs | 2,880.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 252.6000% | 401 |
| Efficiency ratio | 71.4731% | 1,750 |
| Assets per employee ($millions) | 6.1554% | 2,207 |
| Cash dividends to net income (ytd only)* | 67.3491% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,092 |
| Loan loss allowance to noncurrent loans | 128.8514% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 1,264 |
| Noncurrent loans to loans | 0.9108% | 1,549 |
| Net loans and leases to total assets | 51.6639% | 3,689 |
| Net loans and leases to deposits | 57.6755% | 3,908 |
| Net loans and leases to core deposits | 58.2432% | 4,037 |
| Total domestic deposits to total assets | 89.5768% | 742 |
| Equity capital to assets | 9.8960% | 3,224 |
| Core capital (leverage) ratio | 9.1157% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2611% | 868 |
| Memoranda: | ||
| Average total assets | $575,592,600 | 1,382 |
| Average earning assets | $549,618,600 | 1,350 |
| Average equity | $60,027,800 | 1,444 |
| Average total loans | $314,116,200 | 1,638 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 4,492 |
| Cost of funding earning assets | 0.1241% | 4,868 |
| Net interest margin | 3.1606% | 3,592 |
| Noninterest income to average assets | 0.9089% | 1,198 |
| Noninterest expense to average assets | 2.8403% | 1,850 |
| Loan and lease loss provision to assets | 0.1406% | 2,612 |
| Net operating income to assets | 0.9307% | 2,594 |
| Return on assets (ROA) | 0.9448% | 2,672 |
| Pretax return on assets | 0.9575% | 3,206 |
| Return on Equity (ROE) | 8.9335% | 2,422 |
| Retained earnings to average equity (ytd only) | 2.7871% | 3,613 |
| Net charge-offs to loans | 0.0141% | 2,613 |
| Credit loss provision to net charge-offs | 1,803.0303% | 528 |
| Earnings coverage of net charge-offs (x) | 138.9697% | 637 |
| Efficiency ratio | 72.3768% | 1,597 |
| Assets per employee ($millions) | 6.0913% | 2,186 |
| Cash dividends to net income (ytd only)* | 68.8016% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,094 |
| Loan loss allowance to noncurrent loans | 121.9278% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 1,302 |
| Noncurrent loans to loans | 0.9191% | 1,622 |
| Net loans and leases to total assets | 55.5408% | 3,660 |
| Net loans and leases to deposits | 62.4199% | 3,903 |
| Net loans and leases to core deposits | 63.2286% | 4,041 |
| Total domestic deposits to total assets | 88.9794% | 775 |
| Equity capital to assets | 10.4638% | 2,824 |
| Core capital (leverage) ratio | 9.1964% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0977% | 901 |
| Memoranda: | ||
| Average total assets | $564,067,500 | 1,386 |
| Average earning assets | $538,162,250 | 1,355 |
| Average equity | $59,654,000 | 1,442 |
| Average total loans | $311,394,000 | 1,638 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 4,578 |
| Cost of funding earning assets | 0.1480% | 4,884 |
| Net interest margin | 3.2138% | 3,633 |
| Noninterest income to average assets | 0.9609% | 1,052 |
| Noninterest expense to average assets | 2.8616% | 1,939 |
| Loan and lease loss provision to assets | 0.1687% | 2,315 |
| Net operating income to assets | 0.9805% | 2,397 |
| Return on assets (ROA) | 1.0029% | 2,441 |
| Pretax return on assets | 1.0159% | 2,979 |
| Return on Equity (ROE) | 9.4484% | 2,179 |
| Retained earnings to average equity (ytd only) | 0.1488% | 4,285 |
| Net charge-offs to loans | -0.0137% | 4,294 |
| Credit loss provision to net charge-offs | -2,238.0952% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1214% | 1,805 |
| Assets per employee ($millions) | 6.0227% | 2,167 |
| Cash dividends to net income (ytd only)* | 98.4252% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 2,912 |
| Loan loss allowance to noncurrent loans | 73.3997% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 1,351 |
| Noncurrent loans to loans | 1.5299% | 986 |
| Net loans and leases to total assets | 52.8066% | 3,970 |
| Net loans and leases to deposits | 59.0725% | 4,162 |
| Net loans and leases to core deposits | 59.7788% | 4,274 |
| Total domestic deposits to total assets | 89.3930% | 613 |
| Equity capital to assets | 10.0400% | 3,167 |
| Core capital (leverage) ratio | 9.1199% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8439% | 929 |
| Memoranda: | ||
| Average total assets | $557,167,333 | 1,378 |
| Average earning assets | $530,964,333 | 1,347 |
| Average equity | $59,142,333 | 1,439 |
| Average total loans | $305,703,333 | 1,640 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,473 |
| Cost of funding earning assets | 0.2043% | 4,882 |
| Net interest margin | 3.4457% | 3,157 |
| Noninterest income to average assets | 1.0767% | 730 |
| Noninterest expense to average assets | 3.0055% | 1,878 |
| Loan and lease loss provision to assets | 0.1646% | 1,769 |
| Net operating income to assets | 1.1620% | 1,653 |
| Return on assets (ROA) | 1.1620% | 1,764 |
| Pretax return on assets | 1.1754% | 2,286 |
| Return on Equity (ROE) | 10.6225% | 1,529 |
| Retained earnings to average equity (ytd only) | 0.3625% | 3,910 |
| Net charge-offs to loans | -0.0161% | 4,247 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1632% | 2,489 |
| Assets per employee ($millions) | 5.4907% | 2,130 |
| Cash dividends to net income (ytd only)* | 96.5873% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,048 |
| Loan loss allowance to noncurrent loans | 66.8661% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 1,277 |
| Noncurrent loans to loans | 1.6892% | 900 |
| Net loans and leases to total assets | 54.5284% | 3,942 |
| Net loans and leases to deposits | 61.6320% | 4,121 |
| Net loans and leases to core deposits | 62.8823% | 4,237 |
| Total domestic deposits to total assets | 88.4741% | 896 |
| Equity capital to assets | 11.2116% | 2,668 |
| Core capital (leverage) ratio | 10.0988% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2739% | 1,105 |
| Memoranda: | ||
| Average total assets | $534,615,500 | 1,386 |
| Average earning assets | $507,183,000 | 1,360 |
| Average equity | $58,479,500 | 1,446 |
| Average total loans | $297,729,500 | 1,655 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,647 |
| Cost of funding earning assets | 0.2312% | 4,896 |
| Net interest margin | 3.4997% | 3,448 |
| Noninterest income to average assets | 1.0502% | 857 |
| Noninterest expense to average assets | 3.0871% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2657% | 1,821 |
| Return on assets (ROA) | 1.2636% | 1,907 |
| Pretax return on assets | 1.2785% | 2,579 |
| Return on Equity (ROE) | 12.0596% | 1,490 |
| Retained earnings to average equity (ytd only) | 1.6101% | 4,159 |
| Net charge-offs to loans | -0.0146% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6806% | 2,067 |
| Assets per employee ($millions) | 5.4199% | 2,139 |
| Cash dividends to net income (ytd only)* | 86.6486% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,256 |
| Loan loss allowance to noncurrent loans | 95.3545% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 1,710 |
| Noncurrent loans to loans | 1.0954% | 1,377 |
| Net loans and leases to total assets | 55.6491% | 3,945 |
| Net loans and leases to deposits | 62.6187% | 4,164 |
| Net loans and leases to core deposits | 63.8556% | 4,283 |
| Total domestic deposits to total assets | 88.8697% | 717 |
| Equity capital to assets | 10.6620% | 3,293 |
| Core capital (leverage) ratio | 10.0221% | 3,495 |
| Tier 1 risk-based capital ratio | 17.0560% | 2,037 |
| Total risk-based capital ratio | 18.0483% | 2,058 |
| Memoranda: | ||
| Average total assets | $525,146,000 | 1,364 |
| Average earning assets | $497,814,400 | 1,336 |
| Average equity | $55,026,600 | 1,472 |
| Average total loans | $300,488,400 | 1,599 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,712 |
| Cost of funding earning assets | 0.2327% | 4,966 |
| Net interest margin | 3.5326% | 3,462 |
| Noninterest income to average assets | 1.0648% | 809 |
| Noninterest expense to average assets | 3.1647% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2305% | 2,093 |
| Return on assets (ROA) | 1.2278% | 2,177 |
| Pretax return on assets | 1.2415% | 2,844 |
| Return on Equity (ROE) | 11.7695% | 1,700 |
| Retained earnings to average equity (ytd only) | 1.3961% | 4,462 |
| Net charge-offs to loans | -0.0186% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7775% | 1,874 |
| Assets per employee ($millions) | 5.2543% | 2,285 |
| Cash dividends to net income (ytd only)* | 88.1378% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,325 |
| Loan loss allowance to noncurrent loans | 129.8085% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 2,236 |
| Noncurrent loans to loans | 0.8046% | 1,962 |
| Net loans and leases to total assets | 56.7915% | 3,989 |
| Net loans and leases to deposits | 64.0329% | 4,171 |
| Net loans and leases to core deposits | 65.4071% | 4,309 |
| Total domestic deposits to total assets | 88.6912% | 744 |
| Equity capital to assets | 10.8917% | 3,204 |
| Core capital (leverage) ratio | 10.1636% | 3,462 |
| Tier 1 risk-based capital ratio | 17.1560% | 2,036 |
| Total risk-based capital ratio | 18.1594% | 2,057 |
| Memoranda: | ||
| Average total assets | $523,646,000 | 1,369 |
| Average earning assets | $495,715,250 | 1,345 |
| Average equity | $54,625,500 | 1,481 |
| Average total loans | $300,936,000 | 1,613 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,769 |
| Cost of funding earning assets | 0.2291% | 5,016 |
| Net interest margin | 3.5226% | 3,520 |
| Noninterest income to average assets | 1.1223% | 672 |
| Noninterest expense to average assets | 3.1883% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2542% | 1,941 |
| Return on assets (ROA) | 1.2508% | 2,011 |
| Pretax return on assets | 1.2645% | 2,694 |
| Return on Equity (ROE) | 12.1671% | 1,516 |
| Retained earnings to average equity (ytd only) | 1.9722% | 4,122 |
| Net charge-offs to loans | -0.0245% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5471% | 1,980 |
| Assets per employee ($millions) | 5.1912% | 2,264 |
| Cash dividends to net income (ytd only)* | 83.7904% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,415 |
| Loan loss allowance to noncurrent loans | 131.1420% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 2,223 |
| Noncurrent loans to loans | 0.7894% | 2,015 |
| Net loans and leases to total assets | 56.1821% | 4,066 |
| Net loans and leases to deposits | 63.1192% | 4,265 |
| Net loans and leases to core deposits | 64.3987% | 4,398 |
| Total domestic deposits to total assets | 89.0095% | 658 |
| Equity capital to assets | 10.5852% | 3,447 |
| Core capital (leverage) ratio | 10.2092% | 3,376 |
| Tier 1 risk-based capital ratio | 17.1448% | 2,045 |
| Total risk-based capital ratio | 18.1464% | 2,058 |
| Memoranda: | ||
| Average total assets | $524,800,330 | 1,367 |
| Average earning assets | $496,680,000 | 1,344 |
| Average equity | $53,948,670 | 1,489 |
| Average total loans | $301,736,330 | 1,615 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,770 |
| Cost of funding earning assets | 0.2214% | 5,063 |
| Net interest margin | 3.5353% | 3,482 |
| Noninterest income to average assets | 1.1775% | 587 |
| Noninterest expense to average assets | 3.2041% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3092% | 1,666 |
| Return on assets (ROA) | 1.3092% | 1,707 |
| Pretax return on assets | 1.3230% | 2,370 |
| Return on Equity (ROE) | 12.9304% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.4784% | 3,521 |
| Net charge-offs to loans | -0.0093% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7763% | 2,229 |
| Assets per employee ($millions) | 5.1794% | 2,303 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,544 |
| Loan loss allowance to noncurrent loans | 217.8799% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,848 |
| Noncurrent loans to loans | 0.4711% | 2,902 |
| Net loans and leases to total assets | 57.3969% | 3,950 |
| Net loans and leases to deposits | 64.3191% | 4,161 |
| Net loans and leases to core deposits | 65.6087% | 4,297 |
| Total domestic deposits to total assets | 89.2377% | 749 |
| Equity capital to assets | 10.3918% | 3,425 |
| Core capital (leverage) ratio | 10.2165% | 3,366 |
| Tier 1 risk-based capital ratio | 17.2642% | 2,031 |
| Total risk-based capital ratio | 18.2652% | 2,051 |
| Memoranda: | ||
| Average total assets | $522,449,000 | 1,381 |
| Average earning assets | $495,009,000 | 1,352 |
| Average equity | $52,898,500 | 1,500 |
| Average total loans | $302,305,500 | 1,620 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 4,764 |
| Cost of funding earning assets | 0.1510% | 5,169 |
| Net interest margin | 3.4785% | 3,776 |
| Noninterest income to average assets | 1.0548% | 848 |
| Noninterest expense to average assets | 3.0715% | 1,867 |
| Loan and lease loss provision to assets | 0.0191% | 3,783 |
| Net operating income to assets | 1.2441% | 1,995 |
| Return on assets (ROA) | 1.2456% | 1,989 |
| Pretax return on assets | 1.2589% | 2,658 |
| Return on Equity (ROE) | 12.8088% | 1,420 |
| Retained earnings to average equity (ytd only) | 3.0071% | 3,893 |
| Net charge-offs to loans | 0.0159% | 3,151 |
| Credit loss provision to net charge-offs | 204.0816% | 1,409 |
| Earnings coverage of net charge-offs (x) | 136.6531% | 594 |
| Efficiency ratio | 70.6419% | 2,088 |
| Assets per employee ($millions) | 5.1663% | 2,311 |
| Cash dividends to net income (ytd only)* | 76.5228% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 3,611 |
| Loan loss allowance to noncurrent loans | 282.9807% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 2,924 |
| Noncurrent loans to loans | 0.3573% | 3,259 |
| Net loans and leases to total assets | 57.1527% | 4,036 |
| Net loans and leases to deposits | 63.7154% | 4,268 |
| Net loans and leases to core deposits | 64.9253% | 4,411 |
| Total domestic deposits to total assets | 89.7000% | 577 |
| Equity capital to assets | 9.8630% | 3,803 |
| Core capital (leverage) ratio | 10.0267% | 3,546 |
| Tier 1 risk-based capital ratio | 17.0014% | 2,067 |
| Total risk-based capital ratio | 17.9935% | 2,098 |
| Memoranda: | ||
| Average total assets | $524,572,400 | 1,338 |
| Average earning assets | $496,627,000 | 1,321 |
| Average equity | $51,011,800 | 1,488 |
| Average total loans | $307,724,800 | 1,566 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,818 |
| Cost of funding earning assets | 0.1344% | 5,263 |
| Net interest margin | 3.4599% | 3,833 |
| Noninterest income to average assets | 1.0555% | 852 |
| Noninterest expense to average assets | 3.0484% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2703% | 1,962 |
| Return on assets (ROA) | 1.2723% | 1,962 |
| Pretax return on assets | 1.2837% | 2,684 |
| Return on Equity (ROE) | 13.1305% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.2826% | 4,109 |
| Net charge-offs to loans | -0.0013% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4002% | 2,136 |
| Assets per employee ($millions) | 5.0962% | 2,343 |
| Cash dividends to net income (ytd only)* | 75.0001% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,940 |
| Loan loss allowance to noncurrent loans | 231.6756% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 2,877 |
| Noncurrent loans to loans | 0.4185% | 3,157 |
| Net loans and leases to total assets | 60.0878% | 3,832 |
| Net loans and leases to deposits | 66.9332% | 4,134 |
| Net loans and leases to core deposits | 68.4460% | 4,279 |
| Total domestic deposits to total assets | 89.7728% | 577 |
| Equity capital to assets | 9.7953% | 3,822 |
| Core capital (leverage) ratio | 10.0620% | 3,573 |
| Tier 1 risk-based capital ratio | 16.3378% | 2,322 |
| Total risk-based capital ratio | 17.2814% | 2,375 |
| Memoranda: | ||
| Average total assets | $523,975,000 | 1,344 |
| Average earning assets | $495,924,250 | 1,324 |
| Average equity | $50,771,250 | 1,493 |
| Average total loans | $308,593,750 | 1,563 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 4,911 |
| Cost of funding earning assets | 0.1139% | 5,364 |
| Net interest margin | 3.3939% | 3,969 |
| Noninterest income to average assets | 1.0678% | 845 |
| Noninterest expense to average assets | 3.0057% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2633% | 1,924 |
| Return on assets (ROA) | 1.2663% | 1,913 |
| Pretax return on assets | 1.2776% | 2,601 |
| Return on Equity (ROE) | 13.1148% | 1,335 |
| Retained earnings to average equity (ytd only) | 3.2895% | 3,927 |
| Net charge-offs to loans | -0.0286% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2216% | 2,275 |
| Assets per employee ($millions) | 5.3382% | 2,059 |
| Cash dividends to net income (ytd only)* | 74.9176% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,938 |
| Loan loss allowance to noncurrent loans | 191.0336% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,926 |
| Noncurrent loans to loans | 0.5148% | 2,876 |
| Net loans and leases to total assets | 57.2887% | 4,060 |
| Net loans and leases to deposits | 63.4524% | 4,322 |
| Net loans and leases to core deposits | 64.6087% | 4,454 |
| Total domestic deposits to total assets | 90.2861% | 470 |
| Equity capital to assets | 9.3713% | 4,215 |
| Core capital (leverage) ratio | 9.8889% | 3,694 |
| Tier 1 risk-based capital ratio | 16.2360% | 2,355 |
| Total risk-based capital ratio | 17.1938% | 2,394 |
| Memoranda: | ||
| Average total assets | $527,061,670 | 1,347 |
| Average earning assets | $498,901,000 | 1,319 |
| Average equity | $50,889,000 | 1,492 |
| Average total loans | $307,355,330 | 1,567 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,894 |
| Cost of funding earning assets | 0.1006% | 5,465 |
| Net interest margin | 3.3897% | 3,916 |
| Noninterest income to average assets | 1.1171% | 750 |
| Noninterest expense to average assets | 3.0310% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2813% | 1,712 |
| Return on assets (ROA) | 1.2813% | 1,717 |
| Pretax return on assets | 1.2929% | 2,395 |
| Return on Equity (ROE) | 13.0721% | 1,241 |
| Retained earnings to average equity (ytd only) | 5.2398% | 3,065 |
| Net charge-offs to loans | -0.0079% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0994% | 2,473 |
| Assets per employee ($millions) | 5.2281% | 2,224 |
| Cash dividends to net income (ytd only)* | 59.9161% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 4,045 |
| Loan loss allowance to noncurrent loans | 179.5024% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,907 |
| Noncurrent loans to loans | 0.5485% | 2,883 |
| Net loans and leases to total assets | 58.2827% | 3,916 |
| Net loans and leases to deposits | 64.7802% | 4,168 |
| Net loans and leases to core deposits | 65.7588% | 4,322 |
| Total domestic deposits to total assets | 89.9699% | 667 |
| Equity capital to assets | 9.6845% | 3,903 |
| Core capital (leverage) ratio | 10.0619% | 3,461 |
| Tier 1 risk-based capital ratio | 16.1264% | 2,415 |
| Total risk-based capital ratio | 17.0688% | 2,494 |
| Memoranda: | ||
| Average total assets | $521,015,000 | 1,370 |
| Average earning assets | $492,901,000 | 1,343 |
| Average equity | $51,070,500 | 1,505 |
| Average total loans | $305,061,500 | 1,581 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 5,012 |
| Cost of funding earning assets | 0.0892% | 5,531 |
| Net interest margin | 3.2619% | 4,281 |
| Noninterest income to average assets | 1.0343% | 951 |
| Noninterest expense to average assets | 2.9875% | 2,194 |
| Loan and lease loss provision to assets | 0.0302% | 3,672 |
| Net operating income to assets | 1.0834% | 1,919 |
| Return on assets (ROA) | 1.0834% | 1,941 |
| Pretax return on assets | 1.0925% | 3,218 |
| Return on Equity (ROE) | 11.1198% | 1,428 |
| Retained earnings to average equity (ytd only) | 3.3640% | 3,280 |
| Net charge-offs to loans | 0.0522% | 2,758 |
| Credit loss provision to net charge-offs | 102.5641% | 2,494 |
| Earnings coverage of net charge-offs (x) | 38.0962% | 1,305 |
| Efficiency ratio | 72.6847% | 2,126 |
| Assets per employee ($millions) | 4.9449% | 2,549 |
| Cash dividends to net income (ytd only)* | 69.7472% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,944 |
| Loan loss allowance to noncurrent loans | 174.9566% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,376 |
| Noncurrent loans to loans | 0.5718% | 2,788 |
| Net loans and leases to total assets | 57.6558% | 4,041 |
| Net loans and leases to deposits | 64.3168% | 4,300 |
| Net loans and leases to core deposits | 65.3516% | 4,456 |
| Total domestic deposits to total assets | 89.6434% | 711 |
| Equity capital to assets | 9.9205% | 3,789 |
| Core capital (leverage) ratio | 9.6807% | 3,836 |
| Tier 1 risk-based capital ratio | 16.2295% | 2,354 |
| Total risk-based capital ratio | 17.1884% | 2,400 |
| Memoranda: | ||
| Average total assets | $529,337,800 | 1,333 |
| Average earning assets | $499,158,600 | 1,304 |
| Average equity | $51,574,800 | 1,488 |
| Average total loans | $298,588,800 | 1,573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 5,107 |
| Cost of funding earning assets | 0.0888% | 5,594 |
| Net interest margin | 3.2222% | 4,397 |
| Noninterest income to average assets | 1.0657% | 901 |
| Noninterest expense to average assets | 2.9881% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1058% | 2,065 |
| Return on assets (ROA) | 1.1058% | 2,117 |
| Pretax return on assets | 1.1148% | 3,253 |
| Return on Equity (ROE) | 11.3996% | 1,529 |
| Retained earnings to average equity (ytd only) | 3.6465% | 3,754 |
| Net charge-offs to loans | -0.0031% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8295% | 2,065 |
| Assets per employee ($millions) | 5.1494% | 2,278 |
| Cash dividends to net income (ytd only)* | 68.0117% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,021 |
| Loan loss allowance to noncurrent loans | 94.0081% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 1,859 |
| Noncurrent loans to loans | 1.0691% | 1,806 |
| Net loans and leases to total assets | 56.7834% | 4,173 |
| Net loans and leases to deposits | 63.4116% | 4,422 |
| Net loans and leases to core deposits | 64.4595% | 4,588 |
| Total domestic deposits to total assets | 89.5474% | 645 |
| Equity capital to assets | 10.0260% | 3,882 |
| Core capital (leverage) ratio | 9.5599% | 4,082 |
| Tier 1 risk-based capital ratio | 16.2975% | 2,378 |
| Total risk-based capital ratio | 17.2673% | 2,437 |
| Memoranda: | ||
| Average total assets | $531,868,250 | 1,333 |
| Average earning assets | $501,341,250 | 1,303 |
| Average equity | $51,591,250 | 1,499 |
| Average total loans | $297,640,250 | 1,591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2498% | 5,178 |
| Cost of funding earning assets | 0.0862% | 5,642 |
| Net interest margin | 3.1636% | 4,509 |
| Noninterest income to average assets | 1.0983% | 830 |
| Noninterest expense to average assets | 2.9850% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0867% | 2,049 |
| Return on assets (ROA) | 1.0867% | 2,099 |
| Pretax return on assets | 1.0957% | 3,201 |
| Return on Equity (ROE) | 11.3282% | 1,524 |
| Retained earnings to average equity (ytd only) | 3.5210% | 3,614 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1486% | 2,162 |
| Assets per employee ($millions) | 5.1556% | 2,206 |
| Cash dividends to net income (ytd only)* | 68.9180% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,039 |
| Loan loss allowance to noncurrent loans | 89.2203% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 1,909 |
| Noncurrent loans to loans | 1.1411% | 1,715 |
| Net loans and leases to total assets | 54.2555% | 4,371 |
| Net loans and leases to deposits | 60.2808% | 4,603 |
| Net loans and leases to core deposits | 61.3526% | 4,748 |
| Total domestic deposits to total assets | 90.0047% | 537 |
| Equity capital to assets | 9.6028% | 4,308 |
| Core capital (leverage) ratio | 9.3681% | 4,271 |
| Tier 1 risk-based capital ratio | 16.2771% | 2,400 |
| Total risk-based capital ratio | 17.2532% | 2,443 |
| Memoranda: | ||
| Average total assets | $534,079,000 | 1,334 |
| Average earning assets | $503,477,670 | 1,310 |
| Average equity | $51,235,000 | 1,510 |
| Average total loans | $296,428,670 | 1,592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2219% | 5,214 |
| Cost of funding earning assets | 0.0799% | 5,715 |
| Net interest margin | 3.1420% | 4,525 |
| Noninterest income to average assets | 1.1062% | 812 |
| Noninterest expense to average assets | 2.9824% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0806% | 1,945 |
| Return on assets (ROA) | 1.0806% | 1,989 |
| Pretax return on assets | 1.0896% | 3,027 |
| Return on Equity (ROE) | 11.2700% | 1,478 |
| Retained earnings to average equity (ytd only) | 3.4054% | 3,738 |
| Net charge-offs to loans | -0.0122% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2407% | 2,366 |
| Assets per employee ($millions) | 5.3593% | 2,017 |
| Cash dividends to net income (ytd only)* | 69.7837% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,094 |
| Loan loss allowance to noncurrent loans | 77.7721% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 2,022 |
| Noncurrent loans to loans | 1.3252% | 1,530 |
| Net loans and leases to total assets | 53.7531% | 4,355 |
| Net loans and leases to deposits | 59.6087% | 4,592 |
| Net loans and leases to core deposits | 60.8933% | 4,730 |
| Total domestic deposits to total assets | 90.1765% | 587 |
| Equity capital to assets | 9.4799% | 4,297 |
| Core capital (leverage) ratio | 9.6146% | 3,972 |
| Tier 1 risk-based capital ratio | 16.3849% | 2,401 |
| Total risk-based capital ratio | 17.3796% | 2,446 |
| Memoranda: | ||
| Average total assets | $530,447,500 | 1,346 |
| Average earning assets | $500,706,000 | 1,313 |
| Average equity | $50,860,500 | 1,522 |
| Average total loans | $296,278,500 | 1,600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2685% | 5,210 |
| Cost of funding earning assets | 0.0858% | 5,756 |
| Net interest margin | 3.1827% | 4,492 |
| Noninterest income to average assets | 0.9041% | 1,403 |
| Noninterest expense to average assets | 2.9242% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9644% | 2,517 |
| Return on assets (ROA) | 0.9749% | 2,569 |
| Pretax return on assets | 0.9838% | 3,531 |
| Return on Equity (ROE) | 10.1832% | 1,885 |
| Retained earnings to average equity (ytd only) | 3.8588% | 3,175 |
| Net charge-offs to loans | 0.0571% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.9112% | 1,408 |
| Efficiency ratio | 75.0299% | 2,135 |
| Assets per employee ($millions) | 5.1960% | 2,180 |
| Cash dividends to net income (ytd only)* | 62.1059% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 4,243 |
| Loan loss allowance to noncurrent loans | 78.9597% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 1,948 |
| Noncurrent loans to loans | 1.2815% | 1,597 |
| Net loans and leases to total assets | 56.8790% | 4,181 |
| Net loans and leases to deposits | 63.2573% | 4,458 |
| Net loans and leases to core deposits | 64.6411% | 4,601 |
| Total domestic deposits to total assets | 89.9169% | 670 |
| Equity capital to assets | 9.7011% | 4,068 |
| Core capital (leverage) ratio | 9.3296% | 4,320 |
| Tier 1 risk-based capital ratio | 16.0222% | 2,538 |
| Total risk-based capital ratio | 17.0005% | 2,574 |
| Memoranda: | ||
| Average total assets | $536,788,400 | 1,290 |
| Average earning assets | $504,847,800 | 1,267 |
| Average equity | $51,388,800 | 1,488 |
| Average total loans | $295,758,400 | 1,536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2460% | 5,290 |
| Cost of funding earning assets | 0.0868% | 5,822 |
| Net interest margin | 3.1592% | 4,607 |
| Noninterest income to average assets | 0.9157% | 1,358 |
| Noninterest expense to average assets | 2.9742% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9010% | 2,900 |
| Return on assets (ROA) | 0.9149% | 2,957 |
| Pretax return on assets | 0.9238% | 3,893 |
| Return on Equity (ROE) | 9.5877% | 2,232 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,621 |
| Net charge-offs to loans | 0.0411% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.5715% | 1,230 |
| Efficiency ratio | 76.5766% | 1,900 |
| Assets per employee ($millions) | 5.3686% | 1,983 |
| Cash dividends to net income (ytd only)* | 60.5980% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 4,242 |
| Loan loss allowance to noncurrent loans | 68.9433% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3672% | 1,373 |
| Noncurrent loans to loans | 1.4947% | 1,442 |
| Net loans and leases to total assets | 56.5720% | 4,242 |
| Net loans and leases to deposits | 63.1835% | 4,546 |
| Net loans and leases to core deposits | 64.5933% | 4,693 |
| Total domestic deposits to total assets | 89.5360% | 656 |
| Equity capital to assets | 10.0601% | 4,080 |
| Core capital (leverage) ratio | 9.2032% | 4,583 |
| Tier 1 risk-based capital ratio | 15.6153% | 2,784 |
| Total risk-based capital ratio | 16.6038% | 2,821 |
| Memoranda: | ||
| Average total assets | $541,084,750 | 1,281 |
| Average earning assets | $508,386,250 | 1,264 |
| Average equity | $51,634,250 | 1,490 |
| Average total loans | $295,056,500 | 1,542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2176% | 5,403 |
| Cost of funding earning assets | 0.0873% | 5,899 |
| Net interest margin | 3.1303% | 4,749 |
| Noninterest income to average assets | 0.9288% | 1,295 |
| Noninterest expense to average assets | 2.9784% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8832% | 2,948 |
| Return on assets (ROA) | 0.9039% | 2,974 |
| Pretax return on assets | 0.9127% | 3,907 |
| Return on Equity (ROE) | 9.6401% | 2,209 |
| Retained earnings to average equity (ytd only) | 3.7811% | 3,486 |
| Net charge-offs to loans | -0.0136% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9566% | 1,936 |
| Assets per employee ($millions) | 5.2442% | 2,043 |
| Cash dividends to net income (ytd only)* | 60.7780% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 4,196 |
| Loan loss allowance to noncurrent loans | 48.9553% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 1,181 |
| Noncurrent loans to loans | 2.1552% | 893 |
| Net loans and leases to total assets | 55.7317% | 4,344 |
| Net loans and leases to deposits | 61.9865% | 4,652 |
| Net loans and leases to core deposits | 63.3596% | 4,792 |
| Total domestic deposits to total assets | 89.9095% | 526 |
| Equity capital to assets | 9.7710% | 4,487 |
| Core capital (leverage) ratio | 8.9177% | 4,919 |
| Tier 1 risk-based capital ratio | 15.0883% | 3,041 |
| Total risk-based capital ratio | 16.0877% | 3,088 |
| Memoranda: | ||
| Average total assets | $546,071,000 | 1,276 |
| Average earning assets | $513,108,670 | 1,255 |
| Average equity | $51,202,670 | 1,506 |
| Average total loans | $293,162,330 | 1,553 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 5,452 |
| Cost of funding earning assets | 0.0879% | 5,960 |
| Net interest margin | 3.1356% | 4,765 |
| Noninterest income to average assets | 0.9879% | 1,104 |
| Noninterest expense to average assets | 2.9769% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9406% | 2,558 |
| Return on assets (ROA) | 0.9406% | 2,669 |
| Pretax return on assets | 0.9493% | 3,661 |
| Return on Equity (ROE) | 10.2430% | 1,876 |
| Retained earnings to average equity (ytd only) | 4.2924% | 3,335 |
| Net charge-offs to loans | 0.0097% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 186.1429% | 328 |
| Efficiency ratio | 75.8211% | 2,199 |
| Assets per employee ($millions) | 5.4892% | 1,838 |
| Cash dividends to net income (ytd only)* | 58.0945% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,040 |
| Loan loss allowance to noncurrent loans | 56.0289% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 1,447 |
| Noncurrent loans to loans | 1.9647% | 1,100 |
| Net loans and leases to total assets | 51.5814% | 4,667 |
| Net loans and leases to deposits | 57.0459% | 4,915 |
| Net loans and leases to core deposits | 58.3662% | 5,024 |
| Total domestic deposits to total assets | 90.4210% | 454 |
| Equity capital to assets | 9.2917% | 4,894 |
| Core capital (leverage) ratio | 8.8064% | 5,070 |
| Tier 1 risk-based capital ratio | 15.7141% | 2,819 |
| Total risk-based capital ratio | 16.7554% | 2,848 |
| Memoranda: | ||
| Average total assets | $549,031,500 | 1,269 |
| Average earning assets | $514,475,500 | 1,252 |
| Average equity | $50,415,000 | 1,520 |
| Average total loans | $287,621,000 | 1,577 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1540% | 5,571 |
| Cost of funding earning assets | 0.0999% | 5,962 |
| Net interest margin | 3.0542% | 5,017 |
| Noninterest income to average assets | 0.8924% | 1,463 |
| Noninterest expense to average assets | 3.1870% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5184% | 4,624 |
| Return on assets (ROA) | 0.5422% | 4,626 |
| Pretax return on assets | 0.5490% | 4,995 |
| Return on Equity (ROE) | 5.8422% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.7888% | 4,087 |
| Net charge-offs to loans | 0.1091% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.2020% | 2,851 |
| Efficiency ratio | 85.8568% | 1,001 |
| Assets per employee ($millions) | 5.2782% | 2,026 |
| Cash dividends to net income (ytd only)* | 52.2648% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,962 |
| Loan loss allowance to noncurrent loans | 48.5762% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 1,108 |
| Noncurrent loans to loans | 2.2955% | 835 |
| Net loans and leases to total assets | 52.0362% | 4,688 |
| Net loans and leases to deposits | 57.4340% | 4,951 |
| Net loans and leases to core deposits | 58.8345% | 5,051 |
| Total domestic deposits to total assets | 90.6017% | 405 |
| Equity capital to assets | 9.0712% | 5,049 |
| Core capital (leverage) ratio | 8.7137% | 5,199 |
| Tier 1 risk-based capital ratio | 15.4740% | 2,943 |
| Total risk-based capital ratio | 16.5134% | 2,987 |
| Memoranda: | ||
| Average total assets | $529,345,600 | 1,277 |
| Average earning assets | $488,676,800 | 1,278 |
| Average equity | $49,125,400 | 1,522 |
| Average total loans | $276,713,000 | 1,586 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1510% | 5,640 |
| Cost of funding earning assets | 0.1020% | 6,048 |
| Net interest margin | 3.0490% | 5,079 |
| Noninterest income to average assets | 0.7920% | 1,831 |
| Noninterest expense to average assets | 3.2110% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3800% | 5,234 |
| Return on assets (ROA) | 0.4116% | 5,212 |
| Pretax return on assets | 0.4184% | 5,429 |
| Return on Equity (ROE) | 4.4092% | 4,867 |
| Retained earnings to average equity (ytd only) | 2.3717% | 4,694 |
| Net charge-offs to loans | 0.0398% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.5733% | 1,993 |
| Efficiency ratio | 89.2633% | 749 |
| Assets per employee ($millions) | 5.2185% | 2,041 |
| Cash dividends to net income (ytd only)* | 46.2109% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 3,636 |
| Loan loss allowance to noncurrent loans | 47.4468% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1761% | 881 |
| Noncurrent loans to loans | 2.5365% | 806 |
| Net loans and leases to total assets | 52.5907% | 4,701 |
| Net loans and leases to deposits | 58.2142% | 4,986 |
| Net loans and leases to core deposits | 59.8020% | 5,079 |
| Total domestic deposits to total assets | 90.3401% | 452 |
| Equity capital to assets | 9.3909% | 4,888 |
| Core capital (leverage) ratio | 8.7800% | 5,257 |
| Tier 1 risk-based capital ratio | 15.5181% | 3,038 |
| Total risk-based capital ratio | 16.6442% | 3,026 |
| Memoranda: | ||
| Average total assets | $525,768,500 | 1,293 |
| Average earning assets | $483,724,500 | 1,292 |
| Average equity | $49,077,750 | 1,526 |
| Average total loans | $274,369,500 | 1,602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1181% | 5,724 |
| Cost of funding earning assets | 0.1029% | 6,124 |
| Net interest margin | 3.0152% | 5,186 |
| Noninterest income to average assets | 0.8598% | 1,572 |
| Noninterest expense to average assets | 3.1815% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4367% | 5,018 |
| Return on assets (ROA) | 0.4847% | 4,936 |
| Pretax return on assets | 0.4916% | 5,249 |
| Return on Equity (ROE) | 5.2035% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.1281% | 4,645 |
| Net charge-offs to loans | -0.0066% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7753% | 922 |
| Assets per employee ($millions) | 5.1165% | 2,128 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 3,285 |
| Loan loss allowance to noncurrent loans | 47.4390% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3759% | 832 |
| Noncurrent loans to loans | 2.7240% | 788 |
| Net loans and leases to total assets | 49.3075% | 4,995 |
| Net loans and leases to deposits | 54.3275% | 5,233 |
| Net loans and leases to core deposits | 55.7742% | 5,324 |
| Total domestic deposits to total assets | 90.7597% | 370 |
| Equity capital to assets | 9.0032% | 5,232 |
| Core capital (leverage) ratio | 8.8900% | 5,107 |
| Tier 1 risk-based capital ratio | 16.0769% | 2,816 |
| Total risk-based capital ratio | 17.2837% | 2,795 |
| Memoranda: | ||
| Average total assets | $523,597,330 | 1,305 |
| Average earning assets | $480,099,000 | 1,309 |
| Average equity | $48,775,000 | 1,538 |
| Average total loans | $271,379,000 | 1,622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 5,718 |
| Cost of funding earning assets | 0.1048% | 6,186 |
| Net interest margin | 3.0469% | 5,086 |
| Noninterest income to average assets | 0.8557% | 1,545 |
| Noninterest expense to average assets | 3.2430% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3884% | 5,115 |
| Return on assets (ROA) | 0.4862% | 4,868 |
| Pretax return on assets | 0.4932% | 5,194 |
| Return on Equity (ROE) | 5.1284% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.1284% | 2,982 |
| Net charge-offs to loans | -0.0324% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1574% | 926 |
| Assets per employee ($millions) | 4.8726% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 3,353 |
| Loan loss allowance to noncurrent loans | 44.0185% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.8059% | 705 |
| Noncurrent loans to loans | 2.9724% | 736 |
| Net loans and leases to total assets | 51.3185% | 4,717 |
| Net loans and leases to deposits | 56.8659% | 4,992 |
| Net loans and leases to core deposits | 58.2892% | 5,102 |
| Total domestic deposits to total assets | 90.2448% | 632 |
| Equity capital to assets | 9.5514% | 4,690 |
| Core capital (leverage) ratio | 9.1465% | 4,795 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,666 |
| Total risk-based capital ratio | 17.7847% | 2,612 |
| Memoranda: | ||
| Average total assets | $514,220,000 | 1,332 |
| Average earning assets | $469,463,000 | 1,341 |
| Average equity | $48,748,000 | 1,546 |
| Average total loans | $271,608,000 | 1,614 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 5,791 |
| Cost of funding earning assets | 0.1304% | 6,196 |
| Net interest margin | 3.1056% | 5,188 |
| Noninterest income to average assets | 0.9687% | 1,292 |
| Noninterest expense to average assets | 3.2467% | 2,083 |
| Loan and lease loss provision to assets | -0.0189% | 5,938 |
| Net operating income to assets | 0.5758% | 4,480 |
| Return on assets (ROA) | 0.5981% | 4,471 |
| Pretax return on assets | 0.6021% | 4,932 |
| Return on Equity (ROE) | 6.5586% | 3,867 |
| Retained earnings to average equity (ytd only) | -1.8043% | 5,991 |
| Net charge-offs to loans | 0.1907% | 2,142 |
| Credit loss provision to net charge-offs | -18.5741% | 5,345 |
| Earnings coverage of net charge-offs (x) | 5.5178% | 3,401 |
| Efficiency ratio | 85.2729% | 1,256 |
| Assets per employee ($millions) | 4.9704% | 2,357 |
| Cash dividends to net income (ytd only)* | 127.5104% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,585 |
| Loan loss allowance to noncurrent loans | 46.4671% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.9222% | 707 |
| Noncurrent loans to loans | 2.7362% | 887 |
| Net loans and leases to total assets | 52.9651% | 4,689 |
| Net loans and leases to deposits | 58.6475% | 5,012 |
| Net loans and leases to core deposits | 60.0008% | 5,140 |
| Total domestic deposits to total assets | 90.3109% | 608 |
| Equity capital to assets | 9.4080% | 4,830 |
| Core capital (leverage) ratio | 8.9186% | 5,098 |
| Tier 1 risk-based capital ratio | 16.3494% | 2,790 |
| Total risk-based capital ratio | 17.5199% | 2,773 |
| Memoranda: | ||
| Average total assets | $524,509,800 | 1,282 |
| Average earning assets | $479,428,800 | 1,275 |
| Average equity | $47,830,600 | 1,507 |
| Average total loans | $279,461,000 | 1,520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 4,525 |
| Cost of funding earning assets | 0.2017% | 5,811 |
| Net interest margin | 3.6037% | 3,411 |
| Noninterest income to average assets | 0.2602% | 5,351 |
| Noninterest expense to average assets | 3.8471% | 912 |
| Loan and lease loss provision to assets | 0.1395% | 1,791 |
| Net operating income to assets | -0.5661% | 6,386 |
| Return on assets (ROA) | -0.4843% | 6,361 |
| Pretax return on assets | -0.4843% | 6,352 |
| Return on Equity (ROE) | -5.4502% | 6,379 |
| Retained earnings to average equity (ytd only) | -5.4502% | 6,274 |
| Net charge-offs to loans | -0.1448% | 6,229 |
| Credit loss provision to net charge-offs | -157.0313% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4746% | 194 |
| Assets per employee ($millions) | 3.8902% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 2,020 |
| Loan loss allowance to noncurrent loans | 28.5387% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 6.5501% | 196 |
| Noncurrent loans to loans | 5.9000% | 242 |
| Net loans and leases to total assets | 58.3811% | 4,020 |
| Net loans and leases to deposits | 64.4746% | 4,485 |
| Net loans and leases to core deposits | 65.9458% | 4,720 |
| Total domestic deposits to total assets | 90.5489% | 506 |
| Equity capital to assets | 9.1142% | 5,241 |
| Core capital (leverage) ratio | 8.1745% | 5,954 |
| Tier 1 risk-based capital ratio | 14.3635% | 3,972 |
| Total risk-based capital ratio | 15.6193% | 3,906 |
| Memoranda: | ||
| Average total assets | $192,172,750 | 3,099 |
| Average earning assets | $168,527,500 | 3,202 |
| Average equity | $17,075,250 | 3,536 |
| Average total loans | $117,894,000 | 3,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 4,400 |
| Cost of funding earning assets | 0.1995% | 5,918 |
| Net interest margin | 3.6334% | 3,217 |
| Noninterest income to average assets | 0.3505% | 4,622 |
| Noninterest expense to average assets | 3.7858% | 989 |
| Loan and lease loss provision to assets | 0.1732% | 1,414 |
| Net operating income to assets | -0.4165% | 6,420 |
| Return on assets (ROA) | -0.3464% | 6,397 |
| Pretax return on assets | -0.3464% | 6,378 |
| Return on Equity (ROE) | -3.9312% | 6,408 |
| Retained earnings to average equity (ytd only) | -3.9312% | 6,172 |
| Net charge-offs to loans | -0.2279% | 6,369 |
| Credit loss provision to net charge-offs | -122.6277% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8685% | 282 |
| Assets per employee ($millions) | 4.0368% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,442 |
| Loan loss allowance to noncurrent loans | 23.8114% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 6.9290% | 193 |
| Noncurrent loans to loans | 6.7320% | 189 |
| Net loans and leases to total assets | 58.3849% | 3,937 |
| Net loans and leases to deposits | 64.2912% | 4,470 |
| Net loans and leases to core deposits | 66.4810% | 4,596 |
| Total domestic deposits to total assets | 90.8131% | 466 |
| Equity capital to assets | 8.8653% | 5,450 |
| Core capital (leverage) ratio | 8.2823% | 5,863 |
| Tier 1 risk-based capital ratio | 13.9842% | 4,267 |
| Total risk-based capital ratio | 15.2042% | 4,227 |
| Memoranda: | ||
| Average total assets | $193,987,000 | 3,103 |
| Average earning assets | $170,419,330 | 3,199 |
| Average equity | $17,094,000 | 3,535 |
| Average total loans | $120,231,330 | 3,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 4,273 |
| Cost of funding earning assets | 0.2039% | 5,959 |
| Net interest margin | 3.6509% | 3,055 |
| Noninterest income to average assets | 0.5812% | 2,850 |
| Noninterest expense to average assets | 3.8063% | 972 |
| Loan and lease loss provision to assets | 0.2081% | 1,109 |
| Net operating income to assets | -0.2226% | 6,370 |
| Return on assets (ROA) | -0.0824% | 6,283 |
| Pretax return on assets | -0.0824% | 6,277 |
| Return on Equity (ROE) | -0.9383% | 6,295 |
| Retained earnings to average equity (ytd only) | -0.9383% | 5,718 |
| Net charge-offs to loans | -0.1237% | 6,204 |
| Credit loss provision to net charge-offs | -265.7895% | 5,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3804% | 457 |
| Assets per employee ($millions) | 3.7184% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 3,725 |
| Loan loss allowance to noncurrent loans | 23.6430% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 6.8795% | 224 |
| Noncurrent loans to loans | 5.8089% | 326 |
| Net loans and leases to total assets | 63.5050% | 2,975 |
| Net loans and leases to deposits | 70.1649% | 3,583 |
| Net loans and leases to core deposits | 72.7408% | 3,789 |
| Total domestic deposits to total assets | 90.5082% | 795 |
| Equity capital to assets | 9.1069% | 4,994 |
| Core capital (leverage) ratio | 8.2393% | 5,899 |
| Tier 1 risk-based capital ratio | 13.2464% | 4,864 |
| Total risk-based capital ratio | 14.4988% | 4,798 |
| Memoranda: | ||
| Average total assets | $194,097,500 | 3,119 |
| Average earning assets | $170,696,500 | 3,211 |
| Average equity | $17,052,000 | 3,544 |
| Average total loans | $122,860,500 | 3,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 2,790 |
| Cost of funding earning assets | 0.2128% | 6,216 |
| Net interest margin | 4.1321% | 1,562 |
| Noninterest income to average assets | 0.6379% | 2,875 |
| Noninterest expense to average assets | 4.2238% | 684 |
| Loan and lease loss provision to assets | 0.4265% | 690 |
| Net operating income to assets | -0.4134% | 6,462 |
| Return on assets (ROA) | -0.4134% | 6,473 |
| Pretax return on assets | -0.4354% | 6,469 |
| Return on Equity (ROE) | -4.6067% | 6,475 |
| Retained earnings to average equity (ytd only) | -4.6067% | 6,345 |
| Net charge-offs to loans | 1.2370% | 421 |
| Credit loss provision to net charge-offs | 53.3377% | 3,742 |
| Earnings coverage of net charge-offs (x) | -0.0111% | 5,094 |
| Efficiency ratio | 100.2111% | 469 |
| Assets per employee ($millions) | 3.6770% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,419 |
| Loan loss allowance to noncurrent loans | 35.3726% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 5.0177% | 468 |
| Noncurrent loans to loans | 3.5174% | 884 |
| Net loans and leases to total assets | 61.4818% | 3,446 |
| Net loans and leases to deposits | 67.4611% | 4,125 |
| Net loans and leases to core deposits | 69.9321% | 4,291 |
| Total domestic deposits to total assets | 91.1366% | 519 |
| Equity capital to assets | 8.4781% | 5,600 |
| Core capital (leverage) ratio | 8.0005% | 6,135 |
| Tier 1 risk-based capital ratio | 12.9117% | 5,040 |
| Total risk-based capital ratio | 14.1614% | 4,987 |
| Memoranda: | ||
| Average total assets | $191,084,600 | 3,146 |
| Average earning assets | $165,410,800 | 3,276 |
| Average equity | $17,148,800 | 3,542 |
| Average total loans | $123,527,600 | 2,972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 2,469 |
| Cost of funding earning assets | 0.2112% | 6,346 |
| Net interest margin | 4.2262% | 1,261 |
| Noninterest income to average assets | 0.7089% | 2,557 |
| Noninterest expense to average assets | 4.3434% | 604 |
| Loan and lease loss provision to assets | 0.3171% | 1,067 |
| Net operating income to assets | -0.2945% | 6,522 |
| Return on assets (ROA) | -0.2945% | 6,535 |
| Pretax return on assets | -0.3136% | 6,523 |
| Return on Equity (ROE) | -3.2351% | 6,533 |
| Retained earnings to average equity (ytd only) | -3.2351% | 6,376 |
| Net charge-offs to loans | 0.4545% | 1,411 |
| Credit loss provision to net charge-offs | 106.8884% | 2,194 |
| Earnings coverage of net charge-offs (x) | 0.0119% | 4,855 |
| Efficiency ratio | 99.9189% | 468 |
| Assets per employee ($millions) | 3.6135% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,172 |
| Loan loss allowance to noncurrent loans | 50.9953% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 5.3165% | 507 |
| Noncurrent loans to loans | 3.6096% | 1,040 |
| Net loans and leases to total assets | 62.3090% | 3,306 |
| Net loans and leases to deposits | 68.5017% | 4,004 |
| Net loans and leases to core deposits | 71.0800% | 4,202 |
| Total domestic deposits to total assets | 90.9598% | 547 |
| Equity capital to assets | 8.6451% | 5,574 |
| Core capital (leverage) ratio | 8.2545% | 6,009 |
| Tier 1 risk-based capital ratio | 13.1161% | 5,043 |
| Total risk-based capital ratio | 14.3740% | 4,986 |
| Memoranda: | ||
| Average total assets | $189,216,250 | 3,198 |
| Average earning assets | $162,886,250 | 3,333 |
| Average equity | $17,227,500 | 3,575 |
| Average total loans | $123,505,750 | 2,988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,526 |
| Cost of funding earning assets | 0.2062% | 6,444 |
| Net interest margin | 4.2032% | 1,266 |
| Noninterest income to average assets | 0.6281% | 3,025 |
| Noninterest expense to average assets | 4.2586% | 656 |
| Loan and lease loss provision to assets | 0.3204% | 1,094 |
| Net operating income to assets | -0.3589% | 6,587 |
| Return on assets (ROA) | -0.3589% | 6,609 |
| Pretax return on assets | -0.3589% | 6,577 |
| Return on Equity (ROE) | -3.8739% | 6,612 |
| Retained earnings to average equity (ytd only) | -3.8739% | 6,385 |
| Net charge-offs to loans | 0.5900% | 1,119 |
| Credit loss provision to net charge-offs | 82.4176% | 2,579 |
| Earnings coverage of net charge-offs (x) | -0.0989% | 4,583 |
| Efficiency ratio | 100.9112% | 459 |
| Assets per employee ($millions) | 3.3348% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 2,643 |
| Loan loss allowance to noncurrent loans | 40.1284% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 7.4603% | 302 |
| Noncurrent loans to loans | 4.3269% | 834 |
| Net loans and leases to total assets | 65.1121% | 2,743 |
| Net loans and leases to deposits | 71.8268% | 3,476 |
| Net loans and leases to core deposits | 74.3469% | 3,755 |
| Total domestic deposits to total assets | 90.6516% | 679 |
| Equity capital to assets | 9.0228% | 5,192 |
| Core capital (leverage) ratio | 8.3542% | 5,821 |
| Tier 1 risk-based capital ratio | 12.4364% | 5,545 |
| Total risk-based capital ratio | 13.6926% | 5,486 |
| Memoranda: | ||
| Average total assets | $187,245,330 | 3,239 |
| Average earning assets | $160,021,330 | 3,399 |
| Average equity | $17,347,000 | 3,572 |
| Average total loans | $123,386,670 | 2,998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,530 |
| Cost of funding earning assets | 0.2072% | 6,541 |
| Net interest margin | 4.1920% | 1,213 |
| Noninterest income to average assets | 0.6329% | 2,962 |
| Noninterest expense to average assets | 4.2707% | 650 |
| Loan and lease loss provision to assets | 0.3229% | 1,041 |
| Net operating income to assets | -0.3896% | 6,622 |
| Return on assets (ROA) | -0.3896% | 6,656 |
| Pretax return on assets | -0.3896% | 6,633 |
| Return on Equity (ROE) | -4.1502% | 6,659 |
| Retained earnings to average equity (ytd only) | -4.1502% | 6,291 |
| Net charge-offs to loans | 0.6552% | 936 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | -0.1550% | 3,863 |
| Efficiency ratio | 101.5873% | 496 |
| Assets per employee ($millions) | 3.2769% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,724 |
| Loan loss allowance to noncurrent loans | 46.0846% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 7.5076% | 358 |
| Noncurrent loans to loans | 3.8456% | 1,195 |
| Net loans and leases to total assets | 65.3127% | 2,494 |
| Net loans and leases to deposits | 72.3131% | 3,138 |
| Net loans and leases to core deposits | 75.0920% | 3,454 |
| Total domestic deposits to total assets | 90.3192% | 870 |
| Equity capital to assets | 9.2803% | 5,158 |
| Core capital (leverage) ratio | 8.5970% | 5,448 |
| Tier 1 risk-based capital ratio | 12.5723% | 5,537 |
| Total risk-based capital ratio | 13.8289% | 5,476 |
| Memoranda: | ||
| Average total assets | $185,825,000 | 3,286 |
| Average earning assets | $158,303,000 | 3,462 |
| Average equity | $17,445,000 | 3,602 |
| Average total loans | $122,102,000 | 3,046 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 3,713 |
| Cost of funding earning assets | 0.2768% | 6,562 |
| Net interest margin | 4.1489% | 1,824 |
| Noninterest income to average assets | 0.5415% | 3,637 |
| Noninterest expense to average assets | 4.2934% | 684 |
| Loan and lease loss provision to assets | 0.3775% | 1,734 |
| Net operating income to assets | -0.5560% | 6,596 |
| Return on assets (ROA) | -0.5560% | 6,628 |
| Pretax return on assets | -0.5560% | 6,598 |
| Return on Equity (ROE) | -5.7596% | 6,618 |
| Retained earnings to average equity (ytd only) | -5.7596% | 6,467 |
| Net charge-offs to loans | 0.6027% | 1,927 |
| Credit loss provision to net charge-offs | 95.3678% | 3,259 |
| Earnings coverage of net charge-offs (x) | -0.4510% | 5,659 |
| Efficiency ratio | 104.3381% | 437 |
| Assets per employee ($millions) | 3.2433% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 2,366 |
| Loan loss allowance to noncurrent loans | 52.8528% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 7.2620% | 418 |
| Noncurrent loans to loans | 3.5489% | 1,396 |
| Net loans and leases to total assets | 63.6993% | 2,948 |
| Net loans and leases to deposits | 70.6332% | 3,617 |
| Net loans and leases to core deposits | 73.3998% | 3,864 |
| Total domestic deposits to total assets | 90.1832% | 857 |
| Equity capital to assets | 9.4966% | 4,877 |
| Core capital (leverage) ratio | 8.4638% | 5,673 |
| Tier 1 risk-based capital ratio | 12.9719% | 5,124 |
| Total risk-based capital ratio | 14.2282% | 5,062 |
| Memoranda: | ||
| Average total assets | $185,424,400 | 3,235 |
| Average earning assets | $159,704,800 | 3,383 |
| Average equity | $17,900,400 | 3,487 |
| Average total loans | $121,775,400 | 3,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 3,982 |
| Cost of funding earning assets | 0.2900% | 6,659 |
| Net interest margin | 4.1270% | 1,994 |
| Noninterest income to average assets | 0.6675% | 2,891 |
| Noninterest expense to average assets | 4.2277% | 701 |
| Loan and lease loss provision to assets | 0.3952% | 1,623 |
| Net operating income to assets | -0.3866% | 6,639 |
| Return on assets (ROA) | -0.3866% | 6,684 |
| Pretax return on assets | -0.3866% | 6,650 |
| Return on Equity (ROE) | -3.9881% | 6,674 |
| Retained earnings to average equity (ytd only) | -3.9881% | 6,552 |
| Net charge-offs to loans | 0.7866% | 1,408 |
| Credit loss provision to net charge-offs | 76.2829% | 3,724 |
| Earnings coverage of net charge-offs (x) | 0.0166% | 5,326 |
| Efficiency ratio | 99.7965% | 543 |
| Assets per employee ($millions) | 3.3904% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 2,958 |
| Loan loss allowance to noncurrent loans | 25.0504% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 7.2569% | 480 |
| Noncurrent loans to loans | 6.9952% | 521 |
| Net loans and leases to total assets | 63.5325% | 3,112 |
| Net loans and leases to deposits | 70.4234% | 3,839 |
| Net loans and leases to core deposits | 72.9282% | 4,132 |
| Total domestic deposits to total assets | 90.2150% | 721 |
| Equity capital to assets | 9.5420% | 5,153 |
| Core capital (leverage) ratio | 8.7579% | 5,392 |
| Tier 1 risk-based capital ratio | 13.7104% | 4,748 |
| Total risk-based capital ratio | 14.9672% | 4,696 |
| Memoranda: | ||
| Average total assets | $185,563,750 | 3,264 |
| Average earning assets | $160,467,750 | 3,409 |
| Average equity | $17,986,500 | 3,507 |
| Average total loans | $122,216,750 | 3,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 3,864 |
| Cost of funding earning assets | 0.3101% | 6,689 |
| Net interest margin | 4.1667% | 1,844 |
| Noninterest income to average assets | 0.6823% | 2,761 |
| Noninterest expense to average assets | 4.1876% | 741 |
| Loan and lease loss provision to assets | 0.4318% | 1,511 |
| Net operating income to assets | -0.3401% | 6,647 |
| Return on assets (ROA) | -0.3401% | 6,696 |
| Pretax return on assets | -0.3401% | 6,665 |
| Return on Equity (ROE) | -3.4901% | 6,702 |
| Retained earnings to average equity (ytd only) | -3.4901% | 6,512 |
| Net charge-offs to loans | 0.7787% | 1,413 |
| Credit loss provision to net charge-offs | 83.6820% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.1778% | 4,983 |
| Efficiency ratio | 97.8557% | 626 |
| Assets per employee ($millions) | 3.3266% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,791 |
| Loan loss allowance to noncurrent loans | 25.4118% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 7.7234% | 463 |
| Noncurrent loans to loans | 7.1506% | 537 |
| Net loans and leases to total assets | 63.9834% | 3,036 |
| Net loans and leases to deposits | 70.9939% | 3,768 |
| Net loans and leases to core deposits | 72.9853% | 4,170 |
| Total domestic deposits to total assets | 90.1252% | 860 |
| Equity capital to assets | 9.6327% | 4,861 |
| Core capital (leverage) ratio | 8.8622% | 5,109 |
| Tier 1 risk-based capital ratio | 13.8314% | 4,578 |
| Total risk-based capital ratio | 15.0216% | 4,582 |
| Memoranda: | ||
| Average total assets | $185,261,670 | 3,277 |
| Average earning assets | $159,935,000 | 3,429 |
| Average equity | $18,051,000 | 3,490 |
| Average total loans | $122,761,670 | 3,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 3,747 |
| Cost of funding earning assets | 0.3617% | 6,591 |
| Net interest margin | 4.1816% | 1,810 |
| Noninterest income to average assets | 0.5673% | 3,450 |
| Noninterest expense to average assets | 4.0618% | 868 |
| Loan and lease loss provision to assets | 0.3248% | 1,932 |
| Net operating income to assets | -0.2143% | 6,651 |
| Return on assets (ROA) | -0.2143% | 6,697 |
| Pretax return on assets | -0.2143% | 6,673 |
| Return on Equity (ROE) | -2.1874% | 6,702 |
| Retained earnings to average equity (ytd only) | -2.1874% | 6,305 |
| Net charge-offs to loans | 0.7518% | 1,358 |
| Credit loss provision to net charge-offs | 64.6552% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 4,258 |
| Efficiency ratio | 97.3534% | 664 |
| Assets per employee ($millions) | 3.3456% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,965 |
| Loan loss allowance to noncurrent loans | 26.0566% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 7.8523% | 496 |
| Noncurrent loans to loans | 6.9372% | 654 |
| Net loans and leases to total assets | 64.9762% | 2,653 |
| Net loans and leases to deposits | 72.2460% | 3,397 |
| Net loans and leases to core deposits | 75.2521% | 3,715 |
| Total domestic deposits to total assets | 89.9374% | 1,120 |
| Equity capital to assets | 9.7941% | 4,382 |
| Core capital (leverage) ratio | 9.0864% | 4,706 |
| Tier 1 risk-based capital ratio | 13.9591% | 4,496 |
| Total risk-based capital ratio | 15.1758% | 4,491 |
| Memoranda: | ||
| Average total assets | $184,746,500 | 3,303 |
| Average earning assets | $159,269,500 | 3,450 |
| Average equity | $18,104,000 | 3,487 |
| Average total loans | $123,441,500 | 3,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 5,633 |
| Cost of funding earning assets | 0.4848% | 6,597 |
| Net interest margin | 3.8549% | 3,545 |
| Noninterest income to average assets | 0.3311% | 5,167 |
| Noninterest expense to average assets | 4.0317% | 997 |
| Loan and lease loss provision to assets | 1.3824% | 567 |
| Net operating income to assets | -1.6797% | 6,954 |
| Return on assets (ROA) | -1.2971% | 6,876 |
| Pretax return on assets | -1.2971% | 6,842 |
| Return on Equity (ROE) | -13.0782% | 6,840 |
| Retained earnings to average equity (ytd only) | -13.0782% | 6,813 |
| Net charge-offs to loans | 1.3780% | 1,190 |
| Credit loss provision to net charge-offs | 159.8949% | 1,730 |
| Earnings coverage of net charge-offs (x) | -0.3438% | 6,023 |
| Efficiency ratio | 107.6632% | 483 |
| Assets per employee ($millions) | 3.2541% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,786 |
| Loan loss allowance to noncurrent loans | 25.6860% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 7.8605% | 529 |
| Noncurrent loans to loans | 7.1068% | 619 |
| Net loans and leases to total assets | 66.2246% | 2,742 |
| Net loans and leases to deposits | 73.6842% | 3,547 |
| Net loans and leases to core deposits | 78.5939% | 3,617 |
| Total domestic deposits to total assets | 89.8762% | 1,057 |
| Equity capital to assets | 9.8046% | 4,441 |
| Core capital (leverage) ratio | 8.6405% | 5,331 |
| Tier 1 risk-based capital ratio | 13.5882% | 4,629 |
| Total risk-based capital ratio | 14.8475% | 4,595 |
| Memoranda: | ||
| Average total assets | $198,129,600 | 3,073 |
| Average earning assets | $174,918,600 | 3,161 |
| Average equity | $19,651,000 | 3,193 |
| Average total loans | $124,313,400 | 3,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 5,635 |
| Cost of funding earning assets | 0.5011% | 6,690 |
| Net interest margin | 3.8899% | 3,429 |
| Noninterest income to average assets | 0.5577% | 3,462 |
| Noninterest expense to average assets | 4.0113% | 991 |
| Loan and lease loss provision to assets | 1.2287% | 628 |
| Net operating income to assets | -1.2320% | 6,970 |
| Return on assets (ROA) | -0.9293% | 6,892 |
| Pretax return on assets | -0.9293% | 6,845 |
| Return on Equity (ROE) | -9.3450% | 6,874 |
| Retained earnings to average equity (ytd only) | -9.3450% | 6,835 |
| Net charge-offs to loans | 1.1269% | 1,408 |
| Credit loss provision to net charge-offs | 176.8351% | 1,682 |
| Earnings coverage of net charge-offs (x) | -0.0048% | 5,608 |
| Efficiency ratio | 99.7191% | 668 |
| Assets per employee ($millions) | 3.7308% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 3,415 |
| Loan loss allowance to noncurrent loans | 24.8047% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 8.1584% | 533 |
| Noncurrent loans to loans | 6.6900% | 769 |
| Net loans and leases to total assets | 60.7145% | 4,001 |
| Net loans and leases to deposits | 67.5022% | 4,691 |
| Net loans and leases to core deposits | 73.0572% | 4,577 |
| Total domestic deposits to total assets | 89.9445% | 896 |
| Equity capital to assets | 9.7701% | 4,668 |
| Core capital (leverage) ratio | 8.9480% | 5,016 |
| Tier 1 risk-based capital ratio | 13.7632% | 4,530 |
| Total risk-based capital ratio | 15.0175% | 4,486 |
| Memoranda: | ||
| Average total assets | $201,291,000 | 3,060 |
| Average earning assets | $178,543,750 | 3,134 |
| Average equity | $20,017,250 | 3,140 |
| Average total loans | $124,111,750 | 3,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 5,624 |
| Cost of funding earning assets | 0.5133% | 6,803 |
| Net interest margin | 3.9058% | 3,279 |
| Noninterest income to average assets | 0.5486% | 3,482 |
| Noninterest expense to average assets | 3.9576% | 1,110 |
| Loan and lease loss provision to assets | 1.1926% | 656 |
| Net operating income to assets | -1.1002% | 6,976 |
| Return on assets (ROA) | -1.0525% | 6,968 |
| Pretax return on assets | -1.0525% | 6,913 |
| Return on Equity (ROE) | -10.5223% | 6,958 |
| Retained earnings to average equity (ytd only) | -10.5223% | 6,903 |
| Net charge-offs to loans | 1.1014% | 1,430 |
| Credit loss provision to net charge-offs | 175.6955% | 1,713 |
| Earnings coverage of net charge-offs (x) | 0.1362% | 5,198 |
| Efficiency ratio | 97.3497% | 817 |
| Assets per employee ($millions) | 3.5984% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,335 |
| Loan loss allowance to noncurrent loans | 20.6399% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 7.4904% | 645 |
| Noncurrent loans to loans | 7.0381% | 732 |
| Net loans and leases to total assets | 59.7223% | 4,328 |
| Net loans and leases to deposits | 66.4974% | 4,922 |
| Net loans and leases to core deposits | 72.4096% | 4,771 |
| Total domestic deposits to total assets | 89.8115% | 1,069 |
| Equity capital to assets | 9.9498% | 4,223 |
| Core capital (leverage) ratio | 9.0588% | 4,633 |
| Tier 1 risk-based capital ratio | 14.4418% | 3,829 |
| Total risk-based capital ratio | 15.6938% | 3,799 |
| Memoranda: | ||
| Average total assets | $201,234,330 | 3,086 |
| Average earning assets | $180,399,670 | 3,130 |
| Average equity | $20,128,670 | 3,111 |
| Average total loans | $124,022,330 | 3,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 5,466 |
| Cost of funding earning assets | 0.5296% | 6,867 |
| Net interest margin | 3.9355% | 2,976 |
| Noninterest income to average assets | 0.5172% | 3,747 |
| Noninterest expense to average assets | 4.0399% | 986 |
| Loan and lease loss provision to assets | 1.1935% | 590 |
| Net operating income to assets | -1.1537% | 7,086 |
| Return on assets (ROA) | -1.1537% | 7,091 |
| Pretax return on assets | -1.1537% | 7,043 |
| Return on Equity (ROE) | -11.5034% | 7,066 |
| Retained earnings to average equity (ytd only) | -11.5034% | 6,927 |
| Net charge-offs to loans | 0.4065% | 2,471 |
| Credit loss provision to net charge-offs | 472.4409% | 750 |
| Earnings coverage of net charge-offs (x) | 0.1575% | 4,487 |
| Efficiency ratio | 98.6836% | 802 |
| Assets per employee ($millions) | 3.3788% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,698 |
| Loan loss allowance to noncurrent loans | 22.8866% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 6.4179% | 874 |
| Noncurrent loans to loans | 6.0862% | 1,032 |
| Net loans and leases to total assets | 62.4946% | 3,759 |
| Net loans and leases to deposits | 69.8201% | 4,369 |
| Net loans and leases to core deposits | 76.9888% | 4,163 |
| Total domestic deposits to total assets | 89.5080% | 1,478 |
| Equity capital to assets | 10.2159% | 3,520 |
| Core capital (leverage) ratio | 9.2082% | 4,274 |
| Tier 1 risk-based capital ratio | 14.7314% | 3,591 |
| Total risk-based capital ratio | 15.9830% | 3,546 |
| Memoranda: | ||
| Average total assets | $201,096,000 | 3,100 |
| Average earning assets | $182,037,500 | 3,115 |
| Average equity | $20,168,000 | 3,083 |
| Average total loans | $124,973,000 | 3,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 5,670 |
| Cost of funding earning assets | 0.5664% | 7,189 |
| Net interest margin | 4.1688% | 2,300 |
| Noninterest income to average assets | 0.4057% | 4,868 |
| Noninterest expense to average assets | 3.6613% | 1,786 |
| Loan and lease loss provision to assets | 1.1549% | 1,370 |
| Net operating income to assets | -0.7517% | 6,553 |
| Return on assets (ROA) | -0.3916% | 6,334 |
| Pretax return on assets | -0.3897% | 6,236 |
| Return on Equity (ROE) | -3.9110% | 6,349 |
| Retained earnings to average equity (ytd only) | -3.9110% | 6,194 |
| Net charge-offs to loans | 1.9489% | 1,049 |
| Credit loss provision to net charge-offs | 96.5126% | 4,813 |
| Earnings coverage of net charge-offs (x) | 0.3386% | 5,767 |
| Efficiency ratio | 89.4153% | 1,367 |
| Assets per employee ($millions) | 3.6826% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,395 |
| Loan loss allowance to noncurrent loans | 17.8121% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 5.8917% | 1,023 |
| Noncurrent loans to loans | 5.6121% | 1,161 |
| Net loans and leases to total assets | 60.3662% | 4,619 |
| Net loans and leases to deposits | 67.1509% | 5,225 |
| Net loans and leases to core deposits | 73.1939% | 5,077 |
| Total domestic deposits to total assets | 89.8964% | 1,161 |
| Equity capital to assets | 9.8515% | 3,936 |
| Core capital (leverage) ratio | 9.0059% | 4,544 |
| Tier 1 risk-based capital ratio | 14.8841% | 3,314 |
| Total risk-based capital ratio | 15.8608% | 3,434 |
| Memoranda: | ||
| Average total assets | $206,072,400 | 3,030 |
| Average earning assets | $180,962,000 | 3,110 |
| Average equity | $20,634,000 | 3,055 |
| Average total loans | $126,535,800 | 3,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 5,789 |
| Cost of funding earning assets | 0.5716% | 7,343 |
| Net interest margin | 4.1977% | 2,224 |
| Noninterest income to average assets | 0.4750% | 4,379 |
| Noninterest expense to average assets | 3.6310% | 1,713 |
| Loan and lease loss provision to assets | 1.0522% | 1,402 |
| Net operating income to assets | -0.5565% | 6,635 |
| Return on assets (ROA) | -0.2841% | 6,465 |
| Pretax return on assets | -0.2815% | 6,398 |
| Return on Equity (ROE) | -2.8258% | 6,478 |
| Retained earnings to average equity (ytd only) | -2.8258% | 6,326 |
| Net charge-offs to loans | 1.4624% | 1,384 |
| Credit loss provision to net charge-offs | 116.9784% | 3,551 |
| Earnings coverage of net charge-offs (x) | 0.5540% | 5,470 |
| Efficiency ratio | 87.2434% | 1,509 |
| Assets per employee ($millions) | 3.6133% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 5,217 |
| Loan loss allowance to noncurrent loans | 28.8086% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 4.1823% | 1,643 |
| Noncurrent loans to loans | 4.3448% | 1,673 |
| Net loans and leases to total assets | 58.4341% | 5,195 |
| Net loans and leases to deposits | 65.1938% | 5,756 |
| Net loans and leases to core deposits | 71.3784% | 5,590 |
| Total domestic deposits to total assets | 89.6314% | 1,062 |
| Equity capital to assets | 10.1768% | 3,913 |
| Core capital (leverage) ratio | 9.1136% | 4,510 |
| Tier 1 risk-based capital ratio | 15.5004% | 2,995 |
| Total risk-based capital ratio | 16.7544% | 2,962 |
| Memoranda: | ||
| Average total assets | $206,034,750 | 3,064 |
| Average earning assets | $179,365,500 | 3,165 |
| Average equity | $20,713,500 | 3,084 |
| Average total loans | $126,733,250 | 3,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 5,400 |
| Cost of funding earning assets | 0.5906% | 7,424 |
| Net interest margin | 4.3067% | 1,746 |
| Noninterest income to average assets | 0.5480% | 3,730 |
| Noninterest expense to average assets | 3.6533% | 1,661 |
| Loan and lease loss provision to assets | 0.4842% | 2,885 |
| Net operating income to assets | 0.1090% | 5,843 |
| Return on assets (ROA) | 0.1090% | 5,953 |
| Pretax return on assets | 0.1129% | 5,952 |
| Return on Equity (ROE) | 1.0890% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.0890% | 5,328 |
| Net charge-offs to loans | 0.9549% | 1,931 |
| Credit loss provision to net charge-offs | 81.3531% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 4,784 |
| Efficiency ratio | 85.2819% | 1,791 |
| Assets per employee ($millions) | 3.7603% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 6,392 |
| Loan loss allowance to noncurrent loans | 25.9658% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 4.9049% | 1,320 |
| Noncurrent loans to loans | 3.8571% | 1,988 |
| Net loans and leases to total assets | 56.7240% | 5,592 |
| Net loans and leases to deposits | 62.8313% | 6,154 |
| Net loans and leases to core deposits | 68.8688% | 5,982 |
| Total domestic deposits to total assets | 90.2798% | 780 |
| Equity capital to assets | 9.5060% | 4,692 |
| Core capital (leverage) ratio | 8.8069% | 4,902 |
| Tier 1 risk-based capital ratio | 14.7582% | 3,287 |
| Total risk-based capital ratio | 15.7637% | 3,402 |
| Memoranda: | ||
| Average total assets | $203,652,330 | 3,116 |
| Average earning assets | $175,078,000 | 3,253 |
| Average equity | $20,386,330 | 3,128 |
| Average total loans | $126,927,670 | 3,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 4,824 |
| Cost of funding earning assets | 0.6080% | 7,525 |
| Net interest margin | 4.4338% | 1,285 |
| Noninterest income to average assets | 0.5607% | 3,556 |
| Noninterest expense to average assets | 3.7154% | 1,489 |
| Loan and lease loss provision to assets | 0.3026% | 3,618 |
| Net operating income to assets | 0.3590% | 5,031 |
| Return on assets (ROA) | 0.3590% | 5,159 |
| Pretax return on assets | 0.3671% | 5,391 |
| Return on Equity (ROE) | 3.4916% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.4916% | 4,052 |
| Net charge-offs to loans | 0.3163% | 3,150 |
| Credit loss provision to net charge-offs | 147.0588% | 2,421 |
| Earnings coverage of net charge-offs (x) | 3.2549% | 2,964 |
| Efficiency ratio | 84.0386% | 2,014 |
| Assets per employee ($millions) | 3.2746% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 6,040 |
| Loan loss allowance to noncurrent loans | 20.6441% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 5.2076% | 1,211 |
| Noncurrent loans to loans | 5.2950% | 1,337 |
| Net loans and leases to total assets | 63.0104% | 4,532 |
| Net loans and leases to deposits | 70.4162% | 5,279 |
| Net loans and leases to core deposits | 77.0736% | 5,128 |
| Total domestic deposits to total assets | 89.4827% | 1,252 |
| Equity capital to assets | 10.2259% | 3,571 |
| Core capital (leverage) ratio | 9.2525% | 4,133 |
| Tier 1 risk-based capital ratio | 14.6257% | 3,304 |
| Total risk-based capital ratio | 15.7493% | 3,345 |
| Memoranda: | ||
| Average total assets | $198,309,500 | 3,236 |
| Average earning assets | $171,049,500 | 3,388 |
| Average equity | $20,392,000 | 3,151 |
| Average total loans | $128,986,000 | 3,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 4,932 |
| Cost of funding earning assets | 1.0236% | 7,162 |
| Net interest margin | 4.3284% | 1,637 |
| Noninterest income to average assets | 0.6350% | 3,388 |
| Noninterest expense to average assets | 3.3979% | 2,688 |
| Loan and lease loss provision to assets | 0.7460% | 2,874 |
| Net operating income to assets | 0.4110% | 4,086 |
| Return on assets (ROA) | 0.5988% | 3,412 |
| Pretax return on assets | 0.6125% | 3,873 |
| Return on Equity (ROE) | 6.0158% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.3148% | 2,851 |
| Net charge-offs to loans | 1.2448% | 1,979 |
| Credit loss provision to net charge-offs | 88.0046% | 6,068 |
| Earnings coverage of net charge-offs (x) | 1.3766% | 4,759 |
| Efficiency ratio | 73.5704% | 3,982 |
| Assets per employee ($millions) | 3.2274% | 5,659 |
| Cash dividends to net income (ytd only)* | 44.8980% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 6,231 |
| Loan loss allowance to noncurrent loans | 18.3620% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 4.5614% | 1,414 |
| Noncurrent loans to loans | 5.5952% | 1,147 |
| Net loans and leases to total assets | 65.7161% | 4,231 |
| Net loans and leases to deposits | 73.5927% | 5,104 |
| Net loans and leases to core deposits | 88.9757% | 5,227 |
| Total domestic deposits to total assets | 89.2971% | 1,335 |
| Equity capital to assets | 10.3408% | 3,352 |
| Core capital (leverage) ratio | 8.9237% | 4,552 |
| Tier 1 risk-based capital ratio | 14.3155% | 3,315 |
| Total risk-based capital ratio | 15.3888% | 3,370 |
| Memoranda: | ||
| Average total assets | $204,566,200 | 3,126 |
| Average earning assets | $185,725,600 | 3,145 |
| Average equity | $20,363,000 | 3,152 |
| Average total loans | $139,297,000 | 3,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 5,124 |
| Cost of funding earning assets | 1.1046% | 7,166 |
| Net interest margin | 4.2580% | 1,848 |
| Noninterest income to average assets | 0.6425% | 3,401 |
| Noninterest expense to average assets | 3.3324% | 2,795 |
| Loan and lease loss provision to assets | 0.4094% | 3,867 |
| Net operating income to assets | 0.7966% | 2,830 |
| Return on assets (ROA) | 0.9130% | 2,442 |
| Pretax return on assets | 0.9272% | 3,141 |
| Return on Equity (ROE) | 9.2578% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.6568% | 2,124 |
| Net charge-offs to loans | 0.6014% | 2,874 |
| Credit loss provision to net charge-offs | 99.3730% | 5,143 |
| Earnings coverage of net charge-offs (x) | 2.9561% | 3,751 |
| Efficiency ratio | 72.3003% | 4,191 |
| Assets per employee ($millions) | 3.3272% | 5,314 |
| Cash dividends to net income (ytd only)* | 38.8969% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,549 |
| Loan loss allowance to noncurrent loans | 22.5248% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 3.5613% | 1,853 |
| Noncurrent loans to loans | 5.0065% | 1,321 |
| Net loans and leases to total assets | 66.8296% | 4,231 |
| Net loans and leases to deposits | 75.9546% | 5,053 |
| Net loans and leases to core deposits | 94.3673% | 4,984 |
| Total domestic deposits to total assets | 87.9862% | 1,662 |
| Equity capital to assets | 10.2011% | 3,844 |
| Core capital (leverage) ratio | 8.8730% | 4,858 |
| Tier 1 risk-based capital ratio | 14.2643% | 3,405 |
| Total risk-based capital ratio | 15.4844% | 3,368 |
| Memoranda: | ||
| Average total assets | $206,490,000 | 3,119 |
| Average earning assets | $189,504,000 | 3,123 |
| Average equity | $20,364,250 | 3,184 |
| Average total loans | $141,441,500 | 3,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 5,031 |
| Cost of funding earning assets | 1.1806% | 7,162 |
| Net interest margin | 4.2416% | 1,846 |
| Noninterest income to average assets | 0.6453% | 3,378 |
| Noninterest expense to average assets | 3.2571% | 3,128 |
| Loan and lease loss provision to assets | 0.2889% | 4,265 |
| Net operating income to assets | 1.0247% | 2,021 |
| Return on assets (ROA) | 1.0247% | 2,106 |
| Pretax return on assets | 1.0401% | 2,845 |
| Return on Equity (ROE) | 10.5081% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.5453% | 1,376 |
| Net charge-offs to loans | 0.2548% | 3,925 |
| Credit loss provision to net charge-offs | 164.8352% | 2,782 |
| Earnings coverage of net charge-offs (x) | 7.5824% | 2,424 |
| Efficiency ratio | 70.0966% | 4,760 |
| Assets per employee ($millions) | 3.3228% | 5,255 |
| Cash dividends to net income (ytd only)* | 28.1955% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,930 |
| Loan loss allowance to noncurrent loans | 84.8500% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 4,768 |
| Noncurrent loans to loans | 1.4157% | 4,380 |
| Net loans and leases to total assets | 64.5508% | 4,868 |
| Net loans and leases to deposits | 72.8857% | 5,620 |
| Net loans and leases to core deposits | 93.6998% | 5,151 |
| Total domestic deposits to total assets | 88.5643% | 1,500 |
| Equity capital to assets | 9.6883% | 4,366 |
| Core capital (leverage) ratio | 8.9876% | 4,651 |
| Tier 1 risk-based capital ratio | 13.6658% | 3,712 |
| Total risk-based capital ratio | 14.9163% | 3,642 |
| Memoranda: | ||
| Average total assets | $207,667,330 | 3,131 |
| Average earning assets | $192,948,000 | 3,108 |
| Average equity | $20,251,000 | 3,202 |
| Average total loans | $142,861,000 | 3,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5877% | 4,437 |
| Cost of funding earning assets | 1.3435% | 6,898 |
| Net interest margin | 4.2442% | 1,763 |
| Noninterest income to average assets | 0.6258% | 3,376 |
| Noninterest expense to average assets | 3.2051% | 2,966 |
| Loan and lease loss provision to assets | 0.2924% | 3,615 |
| Net operating income to assets | 1.0567% | 2,114 |
| Return on assets (ROA) | 1.0567% | 2,249 |
| Pretax return on assets | 1.0762% | 3,078 |
| Return on Equity (ROE) | 10.7995% | 2,029 |
| Retained earnings to average equity (ytd only) | 4.8219% | 3,224 |
| Net charge-offs to loans | 0.4530% | 2,324 |
| Credit loss provision to net charge-offs | 91.4634% | 3,975 |
| Earnings coverage of net charge-offs (x) | 4.2805% | 2,920 |
| Efficiency ratio | 69.1390% | 4,749 |
| Assets per employee ($millions) | 3.0830% | 5,934 |
| Cash dividends to net income (ytd only)* | 55.3506% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,562 |
| Loan loss allowance to noncurrent loans | 470.0306% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 6,489 |
| Noncurrent loans to loans | 0.2312% | 6,870 |
| Net loans and leases to total assets | 69.8028% | 3,721 |
| Net loans and leases to deposits | 79.2901% | 4,728 |
| Net loans and leases to core deposits | 105.9849% | 3,919 |
| Total domestic deposits to total assets | 88.0347% | 1,731 |
| Equity capital to assets | 10.0002% | 4,007 |
| Core capital (leverage) ratio | 8.5393% | 5,451 |
| Tier 1 risk-based capital ratio | 13.0823% | 4,136 |
| Total risk-based capital ratio | 14.2366% | 4,115 |
| Memoranda: | ||
| Average total assets | $205,171,500 | 3,178 |
| Average earning assets | $190,848,500 | 3,142 |
| Average equity | $20,075,000 | 3,248 |
| Average total loans | $144,820,500 | 3,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3317% | 3,775 |
| Cost of funding earning assets | 1.8365% | 6,909 |
| Net interest margin | 4.4952% | 1,436 |
| Noninterest income to average assets | 0.7070% | 3,083 |
| Noninterest expense to average assets | 3.1808% | 3,412 |
| Loan and lease loss provision to assets | 0.2339% | 4,554 |
| Net operating income to assets | 1.4399% | 1,147 |
| Return on assets (ROA) | 1.4432% | 1,092 |
| Pretax return on assets | 1.4618% | 1,786 |
| Return on Equity (ROE) | 15.5256% | 849 |
| Retained earnings to average equity (ytd only) | -0.1992% | 5,340 |
| Net charge-offs to loans | 0.1267% | 4,973 |
| Credit loss provision to net charge-offs | 251.3089% | 1,851 |
| Earnings coverage of net charge-offs (x) | 18.1832% | 1,720 |
| Efficiency ratio | 64.1636% | 5,525 |
| Assets per employee ($millions) | 3.3325% | 5,138 |
| Cash dividends to net income (ytd only)* | 101.2829% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,656 |
| Loan loss allowance to noncurrent loans | 389.6985% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,802 |
| Noncurrent loans to loans | 0.2685% | 6,569 |
| Net loans and leases to total assets | 69.8610% | 4,049 |
| Net loans and leases to deposits | 78.9581% | 5,204 |
| Net loans and leases to core deposits | 102.8491% | 4,517 |
| Total domestic deposits to total assets | 88.4785% | 1,265 |
| Equity capital to assets | 9.5786% | 4,577 |
| Core capital (leverage) ratio | 8.2547% | 6,046 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,510 |
| Total risk-based capital ratio | 13.5155% | 4,503 |
| Memoranda: | ||
| Average total assets | $205,231,800 | 3,065 |
| Average earning assets | $190,202,400 | 3,037 |
| Average equity | $19,078,200 | 3,381 |
| Average total loans | $150,803,800 | 2,912 |