Home > Grand Bank > Performance and Condition Ratios
Grand Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 899 |
| Cost of funding earning assets | 1.8122% | 1,232 |
| Net interest margin | 3.9175% | 1,341 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3614% | 2,694 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2043% | 1,642 |
| Return on assets (ROA) | 1.1994% | 1,631 |
| Pretax return on assets | 1.5276% | 1,361 |
| Return on Equity (ROE) | 13.9100% | 1,502 |
| Retained earnings to average equity (ytd only) | 9.9087% | 1,036 |
| Net charge-offs to loans | -0.0067% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.9851% | 3,082 |
| Assets per employee ($millions) | 10.5596% | 605 |
| Cash dividends to net income (ytd only)* | 28.7811% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 486 |
| Loan loss allowance to noncurrent loans | 5,226.1905% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,482 |
| Noncurrent loans to loans | 0.0355% | 3,480 |
| Net loans and leases to total assets | 78.6000% | 802 |
| Net loans and leases to deposits | 89.2405% | 1,326 |
| Net loans and leases to core deposits | 106.5998% | 1,087 |
| Total domestic deposits to total assets | 88.0700% | 1,331 |
| Equity capital to assets | 9.0862% | 2,618 |
| Core capital (leverage) ratio | 10.4066% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8255% | 1,928 |
| Memoranda: | ||
| Average total assets | $579,396,800 | 1,527 |
| Average earning assets | $544,245,600 | 1,510 |
| Average equity | $49,946,000 | 1,609 |
| Average total loans | $464,627,800 | 1,312 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 878 |
| Cost of funding earning assets | 1.7223% | 1,144 |
| Net interest margin | 3.9053% | 1,386 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.3140% | 2,746 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2473% | 1,654 |
| Return on assets (ROA) | 1.2407% | 1,664 |
| Pretax return on assets | 1.5826% | 1,393 |
| Return on Equity (ROE) | 14.6000% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.1943% | 1,132 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.6332% | 3,132 |
| Assets per employee ($millions) | 10.6523% | 554 |
| Cash dividends to net income (ytd only)* | 23.3035% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 529 |
| Loan loss allowance to noncurrent loans | 2,858.2237% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,296 |
| Noncurrent loans to loans | 0.0644% | 3,292 |
| Net loans and leases to total assets | 77.7000% | 920 |
| Net loans and leases to deposits | 87.4834% | 1,427 |
| Net loans and leases to core deposits | 102.8449% | 1,171 |
| Total domestic deposits to total assets | 88.8100% | 1,316 |
| Equity capital to assets | 8.2653% | 2,873 |
| Core capital (leverage) ratio | 10.3639% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6038% | 2,039 |
| Memoranda: | ||
| Average total assets | $576,411,500 | 1,536 |
| Average earning assets | $540,818,250 | 1,522 |
| Average equity | $49,000,000 | 1,625 |
| Average total loans | $462,397,000 | 1,313 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 777 |
| Cost of funding earning assets | 1.6340% | 991 |
| Net interest margin | 3.9191% | 1,387 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3033% | 2,797 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2208% | 1,772 |
| Return on assets (ROA) | 1.2108% | 1,790 |
| Pretax return on assets | 1.5573% | 1,485 |
| Return on Equity (ROE) | 14.1100% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.0392% | 1,179 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.8272% | 3,096 |
| Assets per employee ($millions) | 10.2643% | 625 |
| Cash dividends to net income (ytd only)* | 21.7454% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 567 |
| Loan loss allowance to noncurrent loans | 3,451.6000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,344 |
| Noncurrent loans to loans | 0.0530% | 3,322 |
| Net loans and leases to total assets | 80.5100% | 585 |
| Net loans and leases to deposits | 93.0851% | 942 |
| Net loans and leases to core deposits | 111.4349% | 767 |
| Total domestic deposits to total assets | 86.4900% | 2,091 |
| Equity capital to assets | 8.7404% | 2,697 |
| Core capital (leverage) ratio | 10.1586% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3118% | 2,171 |
| Memoranda: | ||
| Average total assets | $569,706,333 | 1,557 |
| Average earning assets | $533,543,333 | 1,545 |
| Average equity | $48,898,333 | 1,624 |
| Average total loans | $459,137,333 | 1,304 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 848 |
| Cost of funding earning assets | 1.3757% | 1,077 |
| Net interest margin | 3.9030% | 1,478 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.1976% | 3,105 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2254% | 1,873 |
| Return on assets (ROA) | 1.2053% | 1,876 |
| Pretax return on assets | 1.5572% | 1,565 |
| Return on Equity (ROE) | 14.1700% | 1,747 |
| Retained earnings to average equity (ytd only) | 14.1745% | 918 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4908% | 3,245 |
| Assets per employee ($millions) | 11.3730% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 590 |
| Loan loss allowance to noncurrent loans | 194.0883% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 631 |
| Noncurrent loans to loans | 0.9567% | 783 |
| Net loans and leases to total assets | 78.0800% | 758 |
| Net loans and leases to deposits | 94.8134% | 732 |
| Net loans and leases to core deposits | 116.5035% | 522 |
| Total domestic deposits to total assets | 82.3500% | 3,430 |
| Equity capital to assets | 8.5264% | 2,873 |
| Core capital (leverage) ratio | 10.0245% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0846% | 2,362 |
| Memoranda: | ||
| Average total assets | $567,158,000 | 1,582 |
| Average earning assets | $530,356,500 | 1,569 |
| Average equity | $48,227,500 | 1,652 |
| Average total loans | $452,993,500 | 1,332 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 567 |
| Cost of funding earning assets | 0.4136% | 1,985 |
| Net interest margin | 4.2319% | 496 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2475% | 2,905 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6288% | 641 |
| Return on assets (ROA) | 1.6288% | 611 |
| Pretax return on assets | 2.0408% | 434 |
| Return on Equity (ROE) | 17.9900% | 705 |
| Retained earnings to average equity (ytd only) | 13.7730% | 414 |
| Net charge-offs to loans | -0.0520% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9693% | 3,980 |
| Assets per employee ($millions) | 10.6595% | 551 |
| Cash dividends to net income (ytd only)* | 23.4219% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 518 |
| Loan loss allowance to noncurrent loans | 186.9699% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 575 |
| Noncurrent loans to loans | 1.0238% | 705 |
| Net loans and leases to total assets | 78.6600% | 736 |
| Net loans and leases to deposits | 94.7788% | 729 |
| Net loans and leases to core deposits | 106.3740% | 734 |
| Total domestic deposits to total assets | 82.9900% | 3,421 |
| Equity capital to assets | 8.4793% | 2,720 |
| Core capital (leverage) ratio | 10.0441% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1466% | 2,309 |
| Memoranda: | ||
| Average total assets | $524,265,400 | 1,670 |
| Average earning assets | $489,828,000 | 1,653 |
| Average equity | $47,477,000 | 1,689 |
| Average total loans | $411,868,400 | 1,356 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 475 |
| Cost of funding earning assets | 0.2770% | 2,415 |
| Net interest margin | 4.2524% | 369 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.2034% | 2,925 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5277% | 788 |
| Return on assets (ROA) | 1.5277% | 768 |
| Pretax return on assets | 1.9542% | 512 |
| Return on Equity (ROE) | 16.5900% | 876 |
| Retained earnings to average equity (ytd only) | 13.7851% | 495 |
| Net charge-offs to loans | -0.0707% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5700% | 3,965 |
| Assets per employee ($millions) | 10.6112% | 551 |
| Cash dividends to net income (ytd only)* | 16.8890% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 459 |
| Loan loss allowance to noncurrent loans | 3,595.3191% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,457 |
| Noncurrent loans to loans | 0.0571% | 3,474 |
| Net loans and leases to total assets | 75.9100% | 919 |
| Net loans and leases to deposits | 85.9266% | 1,174 |
| Net loans and leases to core deposits | 93.9608% | 1,098 |
| Total domestic deposits to total assets | 88.3500% | 2,318 |
| Equity capital to assets | 8.4607% | 2,573 |
| Core capital (leverage) ratio | 9.7084% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5292% | 2,249 |
| Memoranda: | ||
| Average total assets | $516,758,500 | 1,693 |
| Average earning assets | $482,721,750 | 1,679 |
| Average equity | $47,596,250 | 1,702 |
| Average total loans | $403,705,250 | 1,370 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 511 |
| Cost of funding earning assets | 0.2193% | 2,650 |
| Net interest margin | 4.1041% | 391 |
| Noninterest income to average assets | 0.2163% | 3,907 |
| Noninterest expense to average assets | 2.1122% | 3,118 |
| Loan and lease loss provision to assets | 0.0406% | 1,856 |
| Net operating income to assets | 1.4925% | 727 |
| Return on assets (ROA) | 1.4925% | 706 |
| Pretax return on assets | 1.9002% | 469 |
| Return on Equity (ROE) | 15.7613% | 744 |
| Retained earnings to average equity (ytd only) | 11.6374% | 671 |
| Net charge-offs to loans | -0.0349% | 4,107 |
| Credit loss provision to net charge-offs | -148.5714% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1148% | 4,121 |
| Assets per employee ($millions) | 10.9286% | 510 |
| Cash dividends to net income (ytd only)* | 26.1643% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0184% | 531 |
| Loan loss allowance to noncurrent loans | 2,854.4828% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,440 |
| Noncurrent loans to loans | 0.0707% | 3,447 |
| Net loans and leases to total assets | 75.0419% | 816 |
| Net loans and leases to deposits | 90.1848% | 708 |
| Net loans and leases to core deposits | 98.7162% | 731 |
| Total domestic deposits to total assets | 83.2090% | 3,837 |
| Equity capital to assets | 8.4918% | 2,768 |
| Core capital (leverage) ratio | 9.7449% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1044% | 2,450 |
| Memoranda: | ||
| Average total assets | $512,157,333 | 1,707 |
| Average earning assets | $478,791,333 | 1,702 |
| Average equity | $48,498,667 | 1,718 |
| Average total loans | $401,203,667 | 1,374 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 508 |
| Cost of funding earning assets | 0.1846% | 3,019 |
| Net interest margin | 4.0236% | 399 |
| Noninterest income to average assets | 0.1798% | 4,086 |
| Noninterest expense to average assets | 2.1227% | 3,073 |
| Loan and lease loss provision to assets | 0.0480% | 1,510 |
| Net operating income to assets | 1.3643% | 871 |
| Return on assets (ROA) | 1.3643% | 860 |
| Pretax return on assets | 1.7719% | 580 |
| Return on Equity (ROE) | 13.6530% | 901 |
| Retained earnings to average equity (ytd only) | 13.6530% | 403 |
| Net charge-offs to loans | -0.0202% | 3,916 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8415% | 4,064 |
| Assets per employee ($millions) | 10.5857% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0727% | 547 |
| Loan loss allowance to noncurrent loans | 2,802.7397% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,484 |
| Noncurrent loans to loans | 0.0740% | 3,477 |
| Net loans and leases to total assets | 74.5430% | 616 |
| Net loans and leases to deposits | 86.8839% | 685 |
| Net loans and leases to core deposits | 95.1799% | 687 |
| Total domestic deposits to total assets | 85.7962% | 3,320 |
| Equity capital to assets | 9.5468% | 2,246 |
| Core capital (leverage) ratio | 10.1195% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5684% | 2,389 |
| Memoranda: | ||
| Average total assets | $500,485,000 | 1,729 |
| Average earning assets | $468,039,000 | 1,734 |
| Average equity | $50,011,000 | 1,744 |
| Average total loans | $396,741,000 | 1,379 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 372 |
| Cost of funding earning assets | 0.2467% | 2,967 |
| Net interest margin | 4.5323% | 253 |
| Noninterest income to average assets | 0.1694% | 4,310 |
| Noninterest expense to average assets | 2.3364% | 2,699 |
| Loan and lease loss provision to assets | 0.0512% | 2,035 |
| Net operating income to assets | 1.5246% | 969 |
| Return on assets (ROA) | 1.5195% | 1,010 |
| Pretax return on assets | 2.0208% | 579 |
| Return on Equity (ROE) | 14.4429% | 1,077 |
| Retained earnings to average equity (ytd only) | 7.6484% | 1,682 |
| Net charge-offs to loans | 0.0353% | 1,538 |
| Credit loss provision to net charge-offs | 176.4706% | 1,380 |
| Earnings coverage of net charge-offs (x) | 71.6176% | 1,059 |
| Efficiency ratio | 52.9218% | 4,045 |
| Assets per employee ($millions) | 10.2611% | 616 |
| Cash dividends to net income (ytd only)* | 47.0440% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 577 |
| Loan loss allowance to noncurrent loans | 2,728.6195% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,552 |
| Noncurrent loans to loans | 0.0745% | 3,562 |
| Net loans and leases to total assets | 80.9794% | 223 |
| Net loans and leases to deposits | 91.7389% | 491 |
| Net loans and leases to core deposits | 100.2451% | 525 |
| Total domestic deposits to total assets | 88.2715% | 1,888 |
| Equity capital to assets | 10.4719% | 2,201 |
| Core capital (leverage) ratio | 10.3574% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5151% | 2,445 |
| Memoranda: | ||
| Average total assets | $468,627,600 | 1,778 |
| Average earning assets | $438,962,400 | 1,771 |
| Average equity | $49,304,600 | 1,790 |
| Average total loans | $385,778,600 | 1,411 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 360 |
| Cost of funding earning assets | 0.2574% | 3,041 |
| Net interest margin | 4.6208% | 254 |
| Noninterest income to average assets | 0.1831% | 4,281 |
| Noninterest expense to average assets | 2.2143% | 3,024 |
| Loan and lease loss provision to assets | 0.0516% | 1,961 |
| Net operating income to assets | 1.7075% | 813 |
| Return on assets (ROA) | 1.7075% | 852 |
| Pretax return on assets | 2.2498% | 500 |
| Return on Equity (ROE) | 16.2102% | 905 |
| Retained earnings to average equity (ytd only) | 7.0957% | 2,380 |
| Net charge-offs to loans | 0.0558% | 1,093 |
| Credit loss provision to net charge-offs | 112.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 50.1875% | 1,239 |
| Efficiency ratio | 49.0353% | 4,292 |
| Assets per employee ($millions) | 10.3207% | 586 |
| Cash dividends to net income (ytd only)* | 56.2269% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 589 |
| Loan loss allowance to noncurrent loans | 656.8387% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 2,515 |
| Noncurrent loans to loans | 0.3102% | 2,679 |
| Net loans and leases to total assets | 79.5028% | 320 |
| Net loans and leases to deposits | 90.9152% | 551 |
| Net loans and leases to core deposits | 107.3969% | 383 |
| Total domestic deposits to total assets | 87.4472% | 2,134 |
| Equity capital to assets | 10.2008% | 2,708 |
| Core capital (leverage) ratio | 10.8868% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1757% | 2,303 |
| Memoranda: | ||
| Average total assets | $465,216,750 | 1,811 |
| Average earning assets | $436,192,250 | 1,802 |
| Average equity | $49,005,000 | 1,818 |
| Average total loans | $382,562,250 | 1,454 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 292 |
| Cost of funding earning assets | 0.2739% | 3,057 |
| Net interest margin | 4.8320% | 211 |
| Noninterest income to average assets | 0.1740% | 4,336 |
| Noninterest expense to average assets | 2.2098% | 3,062 |
| Loan and lease loss provision to assets | 0.0523% | 1,986 |
| Net operating income to assets | 1.8984% | 589 |
| Return on assets (ROA) | 1.8984% | 618 |
| Pretax return on assets | 2.4427% | 389 |
| Return on Equity (ROE) | 17.8232% | 673 |
| Retained earnings to average equity (ytd only) | 12.2957% | 853 |
| Net charge-offs to loans | 0.0860% | 820 |
| Credit loss provision to net charge-offs | 73.6196% | 1,506 |
| Earnings coverage of net charge-offs (x) | 35.0982% | 1,235 |
| Efficiency ratio | 46.9689% | 4,464 |
| Assets per employee ($millions) | 9.8119% | 647 |
| Cash dividends to net income (ytd only)* | 31.0131% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 536 |
| Loan loss allowance to noncurrent loans | 309.7314% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 1,524 |
| Noncurrent loans to loans | 0.6677% | 1,755 |
| Net loans and leases to total assets | 80.0061% | 323 |
| Net loans and leases to deposits | 93.0211% | 494 |
| Net loans and leases to core deposits | 109.1489% | 386 |
| Total domestic deposits to total assets | 86.0085% | 2,738 |
| Equity capital to assets | 10.6125% | 2,297 |
| Core capital (leverage) ratio | 11.3948% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5384% | 2,152 |
| Memoranda: | ||
| Average total assets | $458,598,667 | 1,825 |
| Average earning assets | $430,007,333 | 1,816 |
| Average equity | $48,846,333 | 1,807 |
| Average total loans | $378,861,333 | 1,466 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 144 |
| Cost of funding earning assets | 0.3018% | 2,976 |
| Net interest margin | 5.4396% | 111 |
| Noninterest income to average assets | 0.1698% | 4,345 |
| Noninterest expense to average assets | 2.1856% | 3,152 |
| Loan and lease loss provision to assets | 0.0530% | 2,047 |
| Net operating income to assets | 2.2988% | 360 |
| Return on assets (ROA) | 2.2988% | 386 |
| Pretax return on assets | 3.0309% | 228 |
| Return on Equity (ROE) | 21.5417% | 427 |
| Retained earnings to average equity (ytd only) | 18.6418% | 331 |
| Net charge-offs to loans | 0.1766% | 448 |
| Credit loss provision to net charge-offs | 36.1446% | 1,365 |
| Earnings coverage of net charge-offs (x) | 21.0120% | 1,234 |
| Efficiency ratio | 41.4765% | 4,688 |
| Assets per employee ($millions) | 10.1547% | 569 |
| Cash dividends to net income (ytd only)* | 13.4615% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 533 |
| Loan loss allowance to noncurrent loans | 333.5023% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,871 |
| Noncurrent loans to loans | 0.6181% | 2,024 |
| Net loans and leases to total assets | 80.2966% | 322 |
| Net loans and leases to deposits | 92.4446% | 567 |
| Net loans and leases to core deposits | 110.1644% | 402 |
| Total domestic deposits to total assets | 86.8592% | 2,364 |
| Equity capital to assets | 10.5303% | 2,245 |
| Core capital (leverage) ratio | 11.8025% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5823% | 2,050 |
| Memoranda: | ||
| Average total assets | $452,411,500 | 1,834 |
| Average earning assets | $424,151,500 | 1,827 |
| Average equity | $48,278,500 | 1,811 |
| Average total loans | $375,910,000 | 1,472 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 584 |
| Cost of funding earning assets | 0.7365% | 1,530 |
| Net interest margin | 4.1761% | 678 |
| Noninterest income to average assets | 0.7973% | 1,541 |
| Noninterest expense to average assets | 2.0481% | 4,042 |
| Loan and lease loss provision to assets | 0.7262% | 205 |
| Net operating income to assets | 1.4244% | 966 |
| Return on assets (ROA) | 1.4244% | 1,052 |
| Pretax return on assets | 1.9402% | 514 |
| Return on Equity (ROE) | 13.8905% | 840 |
| Retained earnings to average equity (ytd only) | 11.6322% | 363 |
| Net charge-offs to loans | -0.0017% | 3,974 |
| Credit loss provision to net charge-offs | -52,266.6667% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4424% | 4,802 |
| Assets per employee ($millions) | 9.9478% | 541 |
| Cash dividends to net income (ytd only)* | 16.2575% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 434 |
| Loan loss allowance to noncurrent loans | 249.2988% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 1,411 |
| Noncurrent loans to loans | 0.8700% | 1,627 |
| Net loans and leases to total assets | 82.4405% | 263 |
| Net loans and leases to deposits | 100.2041% | 370 |
| Net loans and leases to core deposits | 120.1662% | 307 |
| Total domestic deposits to total assets | 82.2725% | 3,599 |
| Equity capital to assets | 10.8219% | 2,410 |
| Core capital (leverage) ratio | 11.1431% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3128% | 2,120 |
| Memoranda: | ||
| Average total assets | $431,822,000 | 1,759 |
| Average earning assets | $405,039,800 | 1,749 |
| Average equity | $44,282,200 | 1,870 |
| Average total loans | $349,192,400 | 1,512 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 572 |
| Cost of funding earning assets | 0.8253% | 1,379 |
| Net interest margin | 4.2123% | 710 |
| Noninterest income to average assets | 0.2159% | 4,191 |
| Noninterest expense to average assets | 1.9698% | 4,213 |
| Loan and lease loss provision to assets | 0.8969% | 174 |
| Net operating income to assets | 0.9958% | 2,355 |
| Return on assets (ROA) | 0.9958% | 2,484 |
| Pretax return on assets | 1.3009% | 2,043 |
| Return on Equity (ROE) | 9.8487% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.8487% | 798 |
| Net charge-offs to loans | -0.0008% | 3,803 |
| Credit loss provision to net charge-offs | -144,750.0000% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2643% | 4,649 |
| Assets per employee ($millions) | 9.8266% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 409 |
| Loan loss allowance to noncurrent loans | 173.7620% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 1,134 |
| Noncurrent loans to loans | 1.2147% | 1,253 |
| Net loans and leases to total assets | 79.5690% | 647 |
| Net loans and leases to deposits | 100.0448% | 529 |
| Net loans and leases to core deposits | 116.5965% | 488 |
| Total domestic deposits to total assets | 79.5333% | 3,956 |
| Equity capital to assets | 10.0566% | 3,180 |
| Core capital (leverage) ratio | 10.8071% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6943% | 2,328 |
| Memoranda: | ||
| Average total assets | $430,351,250 | 1,743 |
| Average earning assets | $403,730,750 | 1,728 |
| Average equity | $43,510,750 | 1,881 |
| Average total loans | $344,279,000 | 1,515 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 368 |
| Cost of funding earning assets | 0.9497% | 1,152 |
| Net interest margin | 4.4982% | 504 |
| Noninterest income to average assets | 0.2207% | 4,169 |
| Noninterest expense to average assets | 1.9933% | 4,247 |
| Loan and lease loss provision to assets | 1.0767% | 182 |
| Net operating income to assets | 1.0668% | 2,084 |
| Return on assets (ROA) | 1.0668% | 2,205 |
| Pretax return on assets | 1.3731% | 1,794 |
| Return on Equity (ROE) | 10.5316% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.5316% | 684 |
| Net charge-offs to loans | -0.0042% | 3,960 |
| Credit loss provision to net charge-offs | -32,542.8571% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8617% | 4,781 |
| Assets per employee ($millions) | 9.7679% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 495 |
| Loan loss allowance to noncurrent loans | 124.5727% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 852 |
| Noncurrent loans to loans | 1.5495% | 966 |
| Net loans and leases to total assets | 79.0502% | 714 |
| Net loans and leases to deposits | 92.2919% | 1,127 |
| Net loans and leases to core deposits | 115.6901% | 541 |
| Total domestic deposits to total assets | 85.6524% | 2,141 |
| Equity capital to assets | 9.7198% | 3,446 |
| Core capital (leverage) ratio | 10.0939% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1701% | 2,536 |
| Memoranda: | ||
| Average total assets | $423,127,333 | 1,734 |
| Average earning assets | $397,178,000 | 1,722 |
| Average equity | $42,861,667 | 1,890 |
| Average total loans | $336,563,667 | 1,525 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,138 |
| Cost of funding earning assets | 1.1339% | 949 |
| Net interest margin | 3.7885% | 2,021 |
| Noninterest income to average assets | 0.2478% | 4,069 |
| Noninterest expense to average assets | 1.9746% | 4,450 |
| Loan and lease loss provision to assets | 0.1086% | 2,319 |
| Net operating income to assets | 1.3171% | 1,196 |
| Return on assets (ROA) | 1.3171% | 1,289 |
| Pretax return on assets | 1.7140% | 839 |
| Return on Equity (ROE) | 12.7105% | 935 |
| Retained earnings to average equity (ytd only) | 12.7105% | 349 |
| Net charge-offs to loans | -0.0050% | 3,870 |
| Credit loss provision to net charge-offs | -2,750.0000% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0021% | 4,551 |
| Assets per employee ($millions) | 8.7295% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,253 |
| Loan loss allowance to noncurrent loans | 129.9869% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 1,466 |
| Noncurrent loans to loans | 1.1749% | 1,405 |
| Net loans and leases to total assets | 76.5108% | 1,214 |
| Net loans and leases to deposits | 94.0398% | 1,074 |
| Net loans and leases to core deposits | 111.5773% | 775 |
| Total domestic deposits to total assets | 81.3600% | 3,581 |
| Equity capital to assets | 10.1428% | 3,660 |
| Core capital (leverage) ratio | 10.2670% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2535% | 2,590 |
| Memoranda: | ||
| Average total assets | $405,144,500 | 1,748 |
| Average earning assets | $379,567,500 | 1,741 |
| Average equity | $41,981,000 | 1,911 |
| Average total loans | $319,817,000 | 1,563 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 851 |
| Cost of funding earning assets | 1.3253% | 715 |
| Net interest margin | 3.9539% | 1,983 |
| Noninterest income to average assets | 0.2401% | 4,241 |
| Noninterest expense to average assets | 2.1587% | 4,246 |
| Loan and lease loss provision to assets | 0.1141% | 1,847 |
| Net operating income to assets | 1.3366% | 1,558 |
| Return on assets (ROA) | 1.3366% | 1,631 |
| Pretax return on assets | 1.6836% | 1,239 |
| Return on Equity (ROE) | 12.5495% | 1,312 |
| Retained earnings to average equity (ytd only) | 9.0628% | 693 |
| Net charge-offs to loans | 0.0671% | 2,129 |
| Credit loss provision to net charge-offs | 205.7416% | 1,291 |
| Earnings coverage of net charge-offs (x) | 32.4258% | 1,502 |
| Efficiency ratio | 54.5625% | 4,369 |
| Assets per employee ($millions) | 8.3249% | 635 |
| Cash dividends to net income (ytd only)* | 27.7833% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,096 |
| Loan loss allowance to noncurrent loans | 126.1163% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 1,272 |
| Noncurrent loans to loans | 1.2265% | 1,221 |
| Net loans and leases to total assets | 79.0271% | 927 |
| Net loans and leases to deposits | 95.1099% | 1,037 |
| Net loans and leases to core deposits | 114.0424% | 669 |
| Total domestic deposits to total assets | 83.0902% | 3,160 |
| Equity capital to assets | 10.5967% | 3,350 |
| Core capital (leverage) ratio | 10.2206% | 3,276 |
| Tier 1 risk-based capital ratio | 11.9282% | 4,401 |
| Total risk-based capital ratio | 13.1808% | 4,279 |
| Memoranda: | ||
| Average total assets | $376,993,000 | 1,816 |
| Average earning assets | $354,329,600 | 1,799 |
| Average equity | $40,153,000 | 1,928 |
| Average total loans | $311,681,200 | 1,554 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 832 |
| Cost of funding earning assets | 1.3570% | 663 |
| Net interest margin | 3.9620% | 2,069 |
| Noninterest income to average assets | 0.2417% | 4,291 |
| Noninterest expense to average assets | 2.1755% | 4,224 |
| Loan and lease loss provision to assets | 0.1000% | 1,922 |
| Net operating income to assets | 1.3429% | 1,664 |
| Return on assets (ROA) | 1.3429% | 1,737 |
| Pretax return on assets | 1.6899% | 1,366 |
| Return on Equity (ROE) | 12.5912% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.5912% | 318 |
| Net charge-offs to loans | 0.0909% | 1,561 |
| Credit loss provision to net charge-offs | 132.0755% | 1,804 |
| Earnings coverage of net charge-offs (x) | 23.6462% | 1,826 |
| Efficiency ratio | 54.8622% | 4,295 |
| Assets per employee ($millions) | 8.4222% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,388 |
| Loan loss allowance to noncurrent loans | 111.9971% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 1,177 |
| Noncurrent loans to loans | 1.2972% | 1,192 |
| Net loans and leases to total assets | 82.3753% | 520 |
| Net loans and leases to deposits | 95.3189% | 1,098 |
| Net loans and leases to core deposits | 115.3504% | 684 |
| Total domestic deposits to total assets | 86.4208% | 1,811 |
| Equity capital to assets | 10.7937% | 3,299 |
| Core capital (leverage) ratio | 10.4547% | 3,141 |
| Tier 1 risk-based capital ratio | 11.9450% | 4,441 |
| Total risk-based capital ratio | 13.1970% | 4,331 |
| Memoranda: | ||
| Average total assets | $373,423,500 | 1,849 |
| Average earning assets | $350,960,500 | 1,827 |
| Average equity | $39,825,750 | 1,946 |
| Average total loans | $311,084,500 | 1,569 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 755 |
| Cost of funding earning assets | 1.3360% | 667 |
| Net interest margin | 3.9976% | 1,929 |
| Noninterest income to average assets | 0.2392% | 4,324 |
| Noninterest expense to average assets | 2.2524% | 4,118 |
| Loan and lease loss provision to assets | 0.0705% | 2,408 |
| Net operating income to assets | 1.3700% | 1,518 |
| Return on assets (ROA) | 1.3700% | 1,576 |
| Pretax return on assets | 1.6699% | 1,336 |
| Return on Equity (ROE) | 12.9003% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.9003% | 310 |
| Net charge-offs to loans | 0.1310% | 1,149 |
| Credit loss provision to net charge-offs | 64.6766% | 2,365 |
| Earnings coverage of net charge-offs (x) | 15.9652% | 1,957 |
| Efficiency ratio | 56.4113% | 4,202 |
| Assets per employee ($millions) | 7.9343% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,428 |
| Loan loss allowance to noncurrent loans | 127.9709% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 1,397 |
| Noncurrent loans to loans | 1.1316% | 1,439 |
| Net loans and leases to total assets | 83.3243% | 429 |
| Net loans and leases to deposits | 95.4110% | 1,106 |
| Net loans and leases to core deposits | 116.1757% | 677 |
| Total domestic deposits to total assets | 87.3319% | 1,415 |
| Equity capital to assets | 10.8736% | 3,201 |
| Core capital (leverage) ratio | 10.2649% | 3,318 |
| Tier 1 risk-based capital ratio | 11.8612% | 4,496 |
| Total risk-based capital ratio | 13.1131% | 4,376 |
| Memoranda: | ||
| Average total assets | $368,757,330 | 1,876 |
| Average earning assets | $346,255,670 | 1,851 |
| Average equity | $39,162,000 | 1,973 |
| Average total loans | $306,831,000 | 1,590 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 849 |
| Cost of funding earning assets | 1.3055% | 654 |
| Net interest margin | 3.9281% | 2,102 |
| Noninterest income to average assets | 0.2367% | 4,317 |
| Noninterest expense to average assets | 2.1839% | 4,298 |
| Loan and lease loss provision to assets | 0.0436% | 2,765 |
| Net operating income to assets | 1.3178% | 1,636 |
| Return on assets (ROA) | 1.3178% | 1,679 |
| Pretax return on assets | 1.6952% | 1,220 |
| Return on Equity (ROE) | 12.5609% | 1,366 |
| Retained earnings to average equity (ytd only) | 12.5609% | 534 |
| Net charge-offs to loans | -0.1428% | 5,111 |
| Credit loss provision to net charge-offs | -37.0370% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6730% | 4,375 |
| Assets per employee ($millions) | 8.0062% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,231 |
| Loan loss allowance to noncurrent loans | 303.2319% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,667 |
| Noncurrent loans to loans | 0.5055% | 2,793 |
| Net loans and leases to total assets | 81.6799% | 624 |
| Net loans and leases to deposits | 93.0330% | 1,280 |
| Net loans and leases to core deposits | 124.5411% | 415 |
| Total domestic deposits to total assets | 87.7967% | 1,442 |
| Equity capital to assets | 10.3903% | 3,428 |
| Core capital (leverage) ratio | 10.2223% | 3,360 |
| Tier 1 risk-based capital ratio | 11.5844% | 4,699 |
| Total risk-based capital ratio | 12.8373% | 4,578 |
| Memoranda: | ||
| Average total assets | $366,679,500 | 1,893 |
| Average earning assets | $344,087,000 | 1,872 |
| Average equity | $38,468,500 | 1,993 |
| Average total loans | $302,600,000 | 1,618 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 773 |
| Cost of funding earning assets | 0.9573% | 899 |
| Net interest margin | 4.1906% | 1,416 |
| Noninterest income to average assets | 0.2751% | 4,264 |
| Noninterest expense to average assets | 2.5204% | 3,554 |
| Loan and lease loss provision to assets | 0.0177% | 3,804 |
| Net operating income to assets | 1.3312% | 1,682 |
| Return on assets (ROA) | 1.3312% | 1,671 |
| Pretax return on assets | 1.6853% | 1,201 |
| Return on Equity (ROE) | 12.4165% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.6573% | 694 |
| Net charge-offs to loans | -0.0436% | 4,932 |
| Credit loss provision to net charge-offs | -49.1803% | 4,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6764% | 3,916 |
| Assets per employee ($millions) | 7.4389% | 822 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,066 |
| Loan loss allowance to noncurrent loans | 2,261.4634% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 4,180 |
| Noncurrent loans to loans | 0.0700% | 4,440 |
| Net loans and leases to total assets | 80.7759% | 826 |
| Net loans and leases to deposits | 96.4884% | 1,026 |
| Net loans and leases to core deposits | 129.5839% | 332 |
| Total domestic deposits to total assets | 83.7157% | 3,078 |
| Equity capital to assets | 10.5972% | 3,084 |
| Core capital (leverage) ratio | 10.3674% | 3,178 |
| Tier 1 risk-based capital ratio | 11.9007% | 4,494 |
| Total risk-based capital ratio | 13.1541% | 4,377 |
| Memoranda: | ||
| Average total assets | $338,043,200 | 1,960 |
| Average earning assets | $318,499,200 | 1,936 |
| Average equity | $36,242,200 | 2,021 |
| Average total loans | $279,760,000 | 1,676 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 744 |
| Cost of funding earning assets | 0.8891% | 964 |
| Net interest margin | 4.2208% | 1,304 |
| Noninterest income to average assets | 0.2752% | 4,314 |
| Noninterest expense to average assets | 2.4771% | 3,661 |
| Loan and lease loss provision to assets | 0.0240% | 3,540 |
| Net operating income to assets | 1.3918% | 1,517 |
| Return on assets (ROA) | 1.3918% | 1,515 |
| Pretax return on assets | 1.7586% | 1,114 |
| Return on Equity (ROE) | 12.9413% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.0814% | 637 |
| Net charge-offs to loans | -0.0540% | 4,962 |
| Credit loss provision to net charge-offs | -53.5714% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1518% | 4,096 |
| Assets per employee ($millions) | 7.0246% | 927 |
| Cash dividends to net income (ytd only)* | 14.3719% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,075 |
| Loan loss allowance to noncurrent loans | 15,951.7241% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,456 |
| Noncurrent loans to loans | 0.0101% | 4,883 |
| Net loans and leases to total assets | 82.4698% | 633 |
| Net loans and leases to deposits | 98.4221% | 919 |
| Net loans and leases to core deposits | 128.8876% | 354 |
| Total domestic deposits to total assets | 83.7920% | 3,018 |
| Equity capital to assets | 10.8086% | 2,838 |
| Core capital (leverage) ratio | 10.3546% | 3,231 |
| Tier 1 risk-based capital ratio | 12.0318% | 4,485 |
| Total risk-based capital ratio | 13.2857% | 4,367 |
| Memoranda: | ||
| Average total assets | $333,287,250 | 1,980 |
| Average earning assets | $314,623,000 | 1,959 |
| Average equity | $35,843,000 | 2,045 |
| Average total loans | $276,435,000 | 1,697 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 784 |
| Cost of funding earning assets | 0.8258% | 1,021 |
| Net interest margin | 4.1960% | 1,299 |
| Noninterest income to average assets | 0.2742% | 4,355 |
| Noninterest expense to average assets | 2.5106% | 3,602 |
| Loan and lease loss provision to assets | 0.0364% | 3,182 |
| Net operating income to assets | 1.3014% | 1,769 |
| Return on assets (ROA) | 1.3014% | 1,762 |
| Pretax return on assets | 1.6824% | 1,262 |
| Return on Equity (ROE) | 12.1223% | 1,677 |
| Retained earnings to average equity (ytd only) | 9.2966% | 1,130 |
| Net charge-offs to loans | -0.0470% | 4,899 |
| Credit loss provision to net charge-offs | -93.7500% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3602% | 4,032 |
| Assets per employee ($millions) | 7.1208% | 875 |
| Cash dividends to net income (ytd only)* | 23.3100% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,057 |
| Loan loss allowance to noncurrent loans | 1,141.6459% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 3,957 |
| Noncurrent loans to loans | 0.1420% | 4,261 |
| Net loans and leases to total assets | 79.6356% | 1,077 |
| Net loans and leases to deposits | 94.7668% | 1,275 |
| Net loans and leases to core deposits | 123.0403% | 486 |
| Total domestic deposits to total assets | 84.0332% | 3,054 |
| Equity capital to assets | 10.3305% | 3,310 |
| Core capital (leverage) ratio | 10.1952% | 3,364 |
| Tier 1 risk-based capital ratio | 11.7958% | 4,625 |
| Total risk-based capital ratio | 13.0500% | 4,505 |
| Memoranda: | ||
| Average total assets | $329,647,670 | 2,010 |
| Average earning assets | $310,723,330 | 1,983 |
| Average equity | $35,389,330 | 2,073 |
| Average total loans | $272,416,000 | 1,723 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 661 |
| Cost of funding earning assets | 0.7394% | 1,246 |
| Net interest margin | 4.2900% | 966 |
| Noninterest income to average assets | 0.2687% | 4,376 |
| Noninterest expense to average assets | 2.5486% | 3,496 |
| Loan and lease loss provision to assets | 0.0500% | 2,777 |
| Net operating income to assets | 1.3049% | 1,627 |
| Return on assets (ROA) | 1.3049% | 1,632 |
| Pretax return on assets | 1.7024% | 1,112 |
| Return on Equity (ROE) | 11.9105% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.9105% | 697 |
| Net charge-offs to loans | -0.0927% | 5,178 |
| Credit loss provision to net charge-offs | -64.5161% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2560% | 4,169 |
| Assets per employee ($millions) | 6.2204% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 908 |
| Loan loss allowance to noncurrent loans | 1,097.8313% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 3,919 |
| Noncurrent loans to loans | 0.1569% | 4,277 |
| Net loans and leases to total assets | 80.3716% | 891 |
| Net loans and leases to deposits | 94.3907% | 1,195 |
| Net loans and leases to core deposits | 134.0210% | 285 |
| Total domestic deposits to total assets | 85.1478% | 2,884 |
| Equity capital to assets | 10.9738% | 2,611 |
| Core capital (leverage) ratio | 10.4818% | 2,962 |
| Tier 1 risk-based capital ratio | 12.2970% | 4,383 |
| Total risk-based capital ratio | 13.5521% | 4,269 |
| Memoranda: | ||
| Average total assets | $320,013,000 | 2,079 |
| Average earning assets | $300,789,500 | 2,056 |
| Average equity | $35,061,500 | 2,097 |
| Average total loans | $267,404,000 | 1,758 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 636 |
| Cost of funding earning assets | 0.4965% | 2,366 |
| Net interest margin | 4.5148% | 595 |
| Noninterest income to average assets | 0.3023% | 4,291 |
| Noninterest expense to average assets | 2.7942% | 2,794 |
| Loan and lease loss provision to assets | 0.0700% | 2,801 |
| Net operating income to assets | 1.0113% | 2,190 |
| Return on assets (ROA) | 1.0113% | 2,226 |
| Pretax return on assets | 1.6597% | 1,122 |
| Return on Equity (ROE) | 9.0273% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.5332% | 912 |
| Net charge-offs to loans | 0.0705% | 2,445 |
| Credit loss provision to net charge-offs | 118.7500% | 2,208 |
| Earnings coverage of net charge-offs (x) | 29.3580% | 1,572 |
| Efficiency ratio | 61.7656% | 3,976 |
| Assets per employee ($millions) | 5.6530% | 1,788 |
| Cash dividends to net income (ytd only)* | 16.5508% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 1,042 |
| Loan loss allowance to noncurrent loans | 235.7861% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 2,205 |
| Noncurrent loans to loans | 0.6989% | 2,459 |
| Net loans and leases to total assets | 83.9724% | 450 |
| Net loans and leases to deposits | 102.8726% | 555 |
| Net loans and leases to core deposits | 130.6678% | 321 |
| Total domestic deposits to total assets | 81.6275% | 3,963 |
| Equity capital to assets | 10.9383% | 2,692 |
| Core capital (leverage) ratio | 10.3172% | 3,052 |
| Tier 1 risk-based capital ratio | 11.5227% | 4,837 |
| Total risk-based capital ratio | 12.7768% | 4,732 |
| Memoranda: | ||
| Average total assets | $298,726,000 | 2,174 |
| Average earning assets | $279,327,800 | 2,158 |
| Average equity | $33,465,000 | 2,153 |
| Average total loans | $249,693,600 | 1,818 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 623 |
| Cost of funding earning assets | 0.4628% | 2,591 |
| Net interest margin | 4.5279% | 566 |
| Noninterest income to average assets | 0.3058% | 4,342 |
| Noninterest expense to average assets | 2.8309% | 2,630 |
| Loan and lease loss provision to assets | 0.0693% | 2,691 |
| Net operating income to assets | 1.1513% | 1,878 |
| Return on assets (ROA) | 1.1513% | 1,928 |
| Pretax return on assets | 1.6348% | 1,297 |
| Return on Equity (ROE) | 10.2124% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.2029% | 1,136 |
| Net charge-offs to loans | -0.0038% | 4,410 |
| Credit loss provision to net charge-offs | -2,185.7143% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4238% | 3,818 |
| Assets per employee ($millions) | 5.5093% | 1,914 |
| Cash dividends to net income (ytd only)* | 19.6773% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 920 |
| Loan loss allowance to noncurrent loans | 220.1346% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 2,201 |
| Noncurrent loans to loans | 0.8001% | 2,356 |
| Net loans and leases to total assets | 81.3654% | 781 |
| Net loans and leases to deposits | 92.6342% | 1,473 |
| Net loans and leases to core deposits | 113.5716% | 862 |
| Total domestic deposits to total assets | 87.8352% | 1,451 |
| Equity capital to assets | 10.8771% | 2,983 |
| Core capital (leverage) ratio | 10.3338% | 3,162 |
| Tier 1 risk-based capital ratio | 11.6860% | 4,834 |
| Total risk-based capital ratio | 12.9408% | 4,721 |
| Memoranda: | ||
| Average total assets | $294,266,000 | 2,214 |
| Average earning assets | $274,850,000 | 2,200 |
| Average equity | $33,174,500 | 2,182 |
| Average total loans | $244,546,500 | 1,857 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 574 |
| Cost of funding earning assets | 0.4278% | 2,826 |
| Net interest margin | 4.5550% | 511 |
| Noninterest income to average assets | 0.3142% | 4,287 |
| Noninterest expense to average assets | 2.8886% | 2,460 |
| Loan and lease loss provision to assets | 0.0800% | 2,387 |
| Net operating income to assets | 1.1124% | 1,915 |
| Return on assets (ROA) | 1.1124% | 1,965 |
| Pretax return on assets | 1.5872% | 1,383 |
| Return on Equity (ROE) | 9.7421% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.7421% | 633 |
| Net charge-offs to loans | -0.0042% | 4,297 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4061% | 3,777 |
| Assets per employee ($millions) | 5.4662% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 916 |
| Loan loss allowance to noncurrent loans | 189.3661% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 1,925 |
| Noncurrent loans to loans | 0.9416% | 2,082 |
| Net loans and leases to total assets | 83.2002% | 525 |
| Net loans and leases to deposits | 96.6885% | 1,010 |
| Net loans and leases to core deposits | 119.7707% | 565 |
| Total domestic deposits to total assets | 86.0498% | 2,358 |
| Equity capital to assets | 11.2380% | 2,555 |
| Core capital (leverage) ratio | 10.8472% | 2,554 |
| Tier 1 risk-based capital ratio | 11.9064% | 4,695 |
| Total risk-based capital ratio | 13.1621% | 4,588 |
| Memoranda: | ||
| Average total assets | $287,678,670 | 2,254 |
| Average earning assets | $267,878,670 | 2,250 |
| Average equity | $32,847,000 | 2,194 |
| Average total loans | $239,365,000 | 1,892 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 659 |
| Cost of funding earning assets | 0.4146% | 2,861 |
| Net interest margin | 4.4583% | 562 |
| Noninterest income to average assets | 0.3215% | 4,251 |
| Noninterest expense to average assets | 2.9147% | 2,415 |
| Loan and lease loss provision to assets | 0.0811% | 2,195 |
| Net operating income to assets | 1.0555% | 2,050 |
| Return on assets (ROA) | 1.0555% | 2,094 |
| Pretax return on assets | 1.4709% | 1,634 |
| Return on Equity (ROE) | 9.1669% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.1669% | 1,028 |
| Net charge-offs to loans | -0.0052% | 4,197 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2548% | 3,625 |
| Assets per employee ($millions) | 5.1498% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 730 |
| Loan loss allowance to noncurrent loans | 198.8021% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 1,992 |
| Noncurrent loans to loans | 0.9821% | 2,083 |
| Net loans and leases to total assets | 79.4446% | 909 |
| Net loans and leases to deposits | 93.6592% | 1,147 |
| Net loans and leases to core deposits | 115.5568% | 608 |
| Total domestic deposits to total assets | 84.8231% | 3,157 |
| Equity capital to assets | 11.5694% | 2,137 |
| Core capital (leverage) ratio | 10.8299% | 2,572 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,246 |
| Total risk-based capital ratio | 13.9734% | 4,145 |
| Memoranda: | ||
| Average total assets | $281,197,500 | 2,318 |
| Average earning assets | $261,447,000 | 2,309 |
| Average equity | $32,377,500 | 2,222 |
| Average total loans | $231,710,000 | 1,944 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 608 |
| Cost of funding earning assets | 0.3571% | 3,442 |
| Net interest margin | 4.6257% | 481 |
| Noninterest income to average assets | 0.3295% | 4,375 |
| Noninterest expense to average assets | 2.9428% | 2,520 |
| Loan and lease loss provision to assets | 0.0764% | 2,827 |
| Net operating income to assets | 1.1682% | 1,615 |
| Return on assets (ROA) | 1.1682% | 1,710 |
| Pretax return on assets | 1.6214% | 1,217 |
| Return on Equity (ROE) | 10.1585% | 1,895 |
| Retained earnings to average equity (ytd only) | 6.9780% | 1,236 |
| Net charge-offs to loans | 0.0170% | 3,731 |
| Credit loss provision to net charge-offs | 550.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 122.1579% | 500 |
| Efficiency ratio | 63.4142% | 4,038 |
| Assets per employee ($millions) | 4.9849% | 2,413 |
| Cash dividends to net income (ytd only)* | 31.3087% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 824 |
| Loan loss allowance to noncurrent loans | 202.4267% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 2,071 |
| Noncurrent loans to loans | 0.9336% | 2,220 |
| Net loans and leases to total assets | 82.2121% | 577 |
| Net loans and leases to deposits | 99.4941% | 702 |
| Net loans and leases to core deposits | 121.2835% | 450 |
| Total domestic deposits to total assets | 82.6301% | 3,883 |
| Equity capital to assets | 11.4581% | 2,203 |
| Core capital (leverage) ratio | 11.0269% | 2,313 |
| Tier 1 risk-based capital ratio | 12.1872% | 4,590 |
| Total risk-based capital ratio | 13.4439% | 4,462 |
| Memoranda: | ||
| Average total assets | $273,409,600 | 2,336 |
| Average earning assets | $254,816,600 | 2,322 |
| Average equity | $31,441,800 | 2,255 |
| Average total loans | $223,820,800 | 1,954 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 590 |
| Cost of funding earning assets | 0.3512% | 3,524 |
| Net interest margin | 4.6571% | 463 |
| Noninterest income to average assets | 0.3329% | 4,405 |
| Noninterest expense to average assets | 2.8929% | 2,660 |
| Loan and lease loss provision to assets | 0.0745% | 2,732 |
| Net operating income to assets | 1.2187% | 1,578 |
| Return on assets (ROA) | 1.2187% | 1,672 |
| Pretax return on assets | 1.7080% | 1,094 |
| Return on Equity (ROE) | 10.5878% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.4583% | 991 |
| Net charge-offs to loans | 0.0247% | 3,173 |
| Credit loss provision to net charge-offs | 370.7317% | 890 |
| Earnings coverage of net charge-offs (x) | 88.6753% | 712 |
| Efficiency ratio | 61.8748% | 4,255 |
| Assets per employee ($millions) | 5.0139% | 2,359 |
| Cash dividends to net income (ytd only)* | 20.1127% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 786 |
| Loan loss allowance to noncurrent loans | 798.7179% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 4,068 |
| Noncurrent loans to loans | 0.2441% | 4,396 |
| Net loans and leases to total assets | 79.5447% | 956 |
| Net loans and leases to deposits | 92.5128% | 1,431 |
| Net loans and leases to core deposits | 110.0769% | 906 |
| Total domestic deposits to total assets | 85.9824% | 2,365 |
| Equity capital to assets | 11.7128% | 2,335 |
| Core capital (leverage) ratio | 10.6667% | 2,812 |
| Tier 1 risk-based capital ratio | 12.5591% | 4,438 |
| Total risk-based capital ratio | 13.8161% | 4,342 |
| Memoranda: | ||
| Average total assets | $271,973,000 | 2,358 |
| Average earning assets | $253,598,000 | 2,346 |
| Average equity | $31,305,750 | 2,283 |
| Average total loans | $221,295,750 | 1,973 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 622 |
| Cost of funding earning assets | 0.3321% | 3,773 |
| Net interest margin | 4.6411% | 469 |
| Noninterest income to average assets | 0.3428% | 4,330 |
| Noninterest expense to average assets | 2.9028% | 2,663 |
| Loan and lease loss provision to assets | 0.0702% | 2,732 |
| Net operating income to assets | 1.2109% | 1,559 |
| Return on assets (ROA) | 1.2109% | 1,656 |
| Pretax return on assets | 1.6956% | 1,103 |
| Return on Equity (ROE) | 10.5830% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.3545% | 1,450 |
| Net charge-offs to loans | 0.0363% | 2,732 |
| Credit loss provision to net charge-offs | 237.5000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 883 |
| Efficiency ratio | 62.1776% | 4,319 |
| Assets per employee ($millions) | 5.2978% | 1,984 |
| Cash dividends to net income (ytd only)* | 30.5064% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 966 |
| Loan loss allowance to noncurrent loans | 447.5052% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,560 |
| Noncurrent loans to loans | 0.4151% | 3,865 |
| Net loans and leases to total assets | 80.9986% | 754 |
| Net loans and leases to deposits | 99.4512% | 739 |
| Net loans and leases to core deposits | 117.4814% | 590 |
| Total domestic deposits to total assets | 81.4455% | 4,151 |
| Equity capital to assets | 11.2684% | 2,777 |
| Core capital (leverage) ratio | 10.5177% | 2,956 |
| Tier 1 risk-based capital ratio | 11.8414% | 4,945 |
| Total risk-based capital ratio | 13.0976% | 4,823 |
| Memoranda: | ||
| Average total assets | $270,708,330 | 2,380 |
| Average earning assets | $252,311,000 | 2,363 |
| Average equity | $30,974,330 | 2,308 |
| Average total loans | $220,488,000 | 1,978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 687 |
| Cost of funding earning assets | 0.3120% | 4,037 |
| Net interest margin | 4.5920% | 509 |
| Noninterest income to average assets | 0.3358% | 4,331 |
| Noninterest expense to average assets | 2.9179% | 2,644 |
| Loan and lease loss provision to assets | 0.0858% | 2,252 |
| Net operating income to assets | 1.1593% | 1,675 |
| Return on assets (ROA) | 1.1593% | 1,790 |
| Pretax return on assets | 1.6095% | 1,269 |
| Return on Equity (ROE) | 10.0517% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.0517% | 836 |
| Net charge-offs to loans | 0.0019% | 3,058 |
| Credit loss provision to net charge-offs | 5,700.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,126.0000% | 35 |
| Efficiency ratio | 63.2507% | 4,268 |
| Assets per employee ($millions) | 5.0957% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 889 |
| Loan loss allowance to noncurrent loans | 456.1441% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,583 |
| Noncurrent loans to loans | 0.4285% | 3,909 |
| Net loans and leases to total assets | 78.4911% | 1,026 |
| Net loans and leases to deposits | 94.7597% | 1,064 |
| Net loans and leases to core deposits | 110.4614% | 831 |
| Total domestic deposits to total assets | 82.8317% | 3,957 |
| Equity capital to assets | 11.2832% | 2,647 |
| Core capital (leverage) ratio | 10.8135% | 2,605 |
| Tier 1 risk-based capital ratio | 12.4931% | 4,577 |
| Total risk-based capital ratio | 13.7508% | 4,484 |
| Memoranda: | ||
| Average total assets | $265,670,500 | 2,427 |
| Average earning assets | $247,475,500 | 2,407 |
| Average equity | $30,641,500 | 2,331 |
| Average total loans | $214,864,000 | 2,017 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 616 |
| Cost of funding earning assets | 0.2669% | 4,621 |
| Net interest margin | 4.7442% | 421 |
| Noninterest income to average assets | 0.3703% | 4,262 |
| Noninterest expense to average assets | 3.1993% | 1,972 |
| Loan and lease loss provision to assets | 0.1930% | 1,141 |
| Net operating income to assets | 0.9965% | 2,378 |
| Return on assets (ROA) | 1.0377% | 2,266 |
| Pretax return on assets | 1.4253% | 1,802 |
| Return on Equity (ROE) | 8.9771% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.2506% | 1,674 |
| Net charge-offs to loans | 0.0250% | 3,741 |
| Credit loss provision to net charge-offs | 980.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 79.3000% | 708 |
| Efficiency ratio | 67.1934% | 3,715 |
| Assets per employee ($millions) | 4.4167% | 3,181 |
| Cash dividends to net income (ytd only)* | 30.3721% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 768 |
| Loan loss allowance to noncurrent loans | 440.4145% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 3,448 |
| Noncurrent loans to loans | 0.4608% | 3,821 |
| Net loans and leases to total assets | 80.0981% | 832 |
| Net loans and leases to deposits | 96.8000% | 922 |
| Net loans and leases to core deposits | 112.2940% | 755 |
| Total domestic deposits to total assets | 82.7459% | 3,929 |
| Equity capital to assets | 11.8027% | 2,107 |
| Core capital (leverage) ratio | 10.6780% | 2,734 |
| Tier 1 risk-based capital ratio | 12.5137% | 4,626 |
| Total risk-based capital ratio | 13.7715% | 4,518 |
| Memoranda: | ||
| Average total assets | $253,840,400 | 2,475 |
| Average earning assets | $234,941,000 | 2,461 |
| Average equity | $29,341,200 | 2,365 |
| Average total loans | $200,140,400 | 2,067 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 592 |
| Cost of funding earning assets | 0.2623% | 4,757 |
| Net interest margin | 4.7591% | 409 |
| Noninterest income to average assets | 0.3622% | 4,337 |
| Noninterest expense to average assets | 3.2440% | 1,839 |
| Loan and lease loss provision to assets | -0.0037% | 5,793 |
| Net operating income to assets | 1.1156% | 1,940 |
| Return on assets (ROA) | 1.1414% | 1,924 |
| Pretax return on assets | 1.5599% | 1,504 |
| Return on Equity (ROE) | 9.9272% | 2,133 |
| Retained earnings to average equity (ytd only) | 6.2640% | 2,083 |
| Net charge-offs to loans | -0.1328% | 5,887 |
| Credit loss provision to net charge-offs | 3.5533% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0809% | 3,521 |
| Assets per employee ($millions) | 4.6587% | 2,754 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 1,028 |
| Loan loss allowance to noncurrent loans | 267.5585% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 3,142 |
| Noncurrent loans to loans | 0.7181% | 3,182 |
| Net loans and leases to total assets | 74.2913% | 1,684 |
| Net loans and leases to deposits | 90.3804% | 1,596 |
| Net loans and leases to core deposits | 103.4259% | 1,268 |
| Total domestic deposits to total assets | 82.1985% | 4,103 |
| Equity capital to assets | 10.8003% | 3,238 |
| Core capital (leverage) ratio | 10.7022% | 2,820 |
| Tier 1 risk-based capital ratio | 12.0079% | 5,083 |
| Total risk-based capital ratio | 13.2639% | 4,990 |
| Memoranda: | ||
| Average total assets | $253,257,750 | 2,501 |
| Average earning assets | $234,294,000 | 2,487 |
| Average equity | $29,117,750 | 2,396 |
| Average total loans | $197,816,000 | 2,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 467 |
| Cost of funding earning assets | 0.2626% | 4,804 |
| Net interest margin | 4.8754% | 313 |
| Noninterest income to average assets | 0.3593% | 4,373 |
| Noninterest expense to average assets | 3.2643% | 1,808 |
| Loan and lease loss provision to assets | 0.0016% | 4,053 |
| Net operating income to assets | 1.2136% | 1,560 |
| Return on assets (ROA) | 1.2550% | 1,502 |
| Pretax return on assets | 1.6452% | 1,200 |
| Return on Equity (ROE) | 10.6747% | 1,789 |
| Retained earnings to average equity (ytd only) | 5.1437% | 2,768 |
| Net charge-offs to loans | -0.1935% | 6,016 |
| Credit loss provision to net charge-offs | -1.0638% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2134% | 3,799 |
| Assets per employee ($millions) | 4.3037% | 3,298 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 1,033 |
| Loan loss allowance to noncurrent loans | 25,000.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 5,148 |
| Noncurrent loans to loans | 0.0079% | 5,739 |
| Net loans and leases to total assets | 77.1520% | 1,190 |
| Net loans and leases to deposits | 93.3710% | 1,212 |
| Net loans and leases to core deposits | 107.9098% | 959 |
| Total domestic deposits to total assets | 82.6295% | 4,083 |
| Equity capital to assets | 11.2052% | 2,668 |
| Core capital (leverage) ratio | 10.8989% | 2,520 |
| Tier 1 risk-based capital ratio | 12.2530% | 4,967 |
| Total risk-based capital ratio | 13.5099% | 4,865 |
| Memoranda: | ||
| Average total assets | $246,055,670 | 2,574 |
| Average earning assets | $226,974,670 | 2,571 |
| Average equity | $28,928,330 | 2,422 |
| Average total loans | $194,354,670 | 2,136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 536 |
| Cost of funding earning assets | 0.2655% | 4,848 |
| Net interest margin | 4.7769% | 365 |
| Noninterest income to average assets | 0.3617% | 4,316 |
| Noninterest expense to average assets | 3.2537% | 1,836 |
| Loan and lease loss provision to assets | -0.0150% | 6,112 |
| Net operating income to assets | 1.1351% | 1,745 |
| Return on assets (ROA) | 1.1351% | 1,853 |
| Pretax return on assets | 1.5318% | 1,455 |
| Return on Equity (ROE) | 9.4173% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.4173% | 1,063 |
| Net charge-offs to loans | -0.3770% | 6,194 |
| Credit loss provision to net charge-offs | 5.0279% | 2,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2041% | 3,792 |
| Assets per employee ($millions) | 4.1439% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 1,029 |
| Loan loss allowance to noncurrent loans | 226.3936% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,859 |
| Noncurrent loans to loans | 0.8952% | 3,001 |
| Net loans and leases to total assets | 77.3809% | 1,013 |
| Net loans and leases to deposits | 91.8099% | 1,209 |
| Net loans and leases to core deposits | 105.8144% | 951 |
| Total domestic deposits to total assets | 84.2838% | 3,703 |
| Equity capital to assets | 11.7779% | 2,218 |
| Core capital (leverage) ratio | 10.9740% | 2,438 |
| Tier 1 risk-based capital ratio | 12.5556% | 4,868 |
| Total risk-based capital ratio | 13.8133% | 4,780 |
| Memoranda: | ||
| Average total assets | $239,974,000 | 2,632 |
| Average earning assets | $221,483,000 | 2,630 |
| Average equity | $28,925,500 | 2,434 |
| Average total loans | $189,921,500 | 2,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 729 |
| Cost of funding earning assets | 0.2943% | 4,847 |
| Net interest margin | 4.7342% | 494 |
| Noninterest income to average assets | 0.3827% | 4,320 |
| Noninterest expense to average assets | 3.2575% | 2,047 |
| Loan and lease loss provision to assets | -0.0378% | 5,995 |
| Net operating income to assets | 1.1583% | 1,729 |
| Return on assets (ROA) | 1.1790% | 1,717 |
| Pretax return on assets | 1.5344% | 1,425 |
| Return on Equity (ROE) | 9.6818% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.0692% | 1,883 |
| Net charge-offs to loans | 0.0593% | 3,657 |
| Credit loss provision to net charge-offs | -82.6923% | 5,485 |
| Earnings coverage of net charge-offs (x) | 32.1250% | 1,268 |
| Efficiency ratio | 68.9094% | 3,730 |
| Assets per employee ($millions) | 4.0581% | 3,813 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 985 |
| Loan loss allowance to noncurrent loans | 323.1552% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 3,253 |
| Noncurrent loans to loans | 0.6426% | 3,758 |
| Net loans and leases to total assets | 77.6684% | 1,043 |
| Net loans and leases to deposits | 92.9522% | 1,188 |
| Net loans and leases to core deposits | 106.5676% | 981 |
| Total domestic deposits to total assets | 83.5573% | 3,900 |
| Equity capital to assets | 12.3499% | 1,735 |
| Core capital (leverage) ratio | 11.3903% | 2,061 |
| Tier 1 risk-based capital ratio | 13.7887% | 4,242 |
| Total risk-based capital ratio | 15.0481% | 4,171 |
| Memoranda: | ||
| Average total assets | $227,319,000 | 2,718 |
| Average earning assets | $208,610,400 | 2,721 |
| Average equity | $27,680,800 | 2,431 |
| Average total loans | $175,527,000 | 2,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 763 |
| Cost of funding earning assets | 0.3001% | 4,888 |
| Net interest margin | 4.7051% | 502 |
| Noninterest income to average assets | 0.3871% | 4,338 |
| Noninterest expense to average assets | 3.2083% | 2,150 |
| Loan and lease loss provision to assets | -0.0371% | 6,142 |
| Net operating income to assets | 1.1903% | 1,706 |
| Return on assets (ROA) | 1.2183% | 1,674 |
| Pretax return on assets | 1.5653% | 1,436 |
| Return on Equity (ROE) | 10.0413% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.0413% | 696 |
| Net charge-offs to loans | -0.0484% | 5,890 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2542% | 3,816 |
| Assets per employee ($millions) | 4.4789% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 894 |
| Loan loss allowance to noncurrent loans | 288.8087% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 3,201 |
| Noncurrent loans to loans | 0.7741% | 3,648 |
| Net loans and leases to total assets | 76.5749% | 1,154 |
| Net loans and leases to deposits | 89.1713% | 1,529 |
| Net loans and leases to core deposits | 105.5021% | 985 |
| Total domestic deposits to total assets | 85.8740% | 2,917 |
| Equity capital to assets | 12.6244% | 1,624 |
| Core capital (leverage) ratio | 11.5599% | 2,015 |
| Tier 1 risk-based capital ratio | 14.2865% | 4,034 |
| Total risk-based capital ratio | 15.5478% | 3,948 |
| Memoranda: | ||
| Average total assets | $226,320,500 | 2,748 |
| Average earning assets | $207,486,500 | 2,750 |
| Average equity | $27,459,250 | 2,452 |
| Average total loans | $173,542,000 | 2,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 795 |
| Cost of funding earning assets | 0.3045% | 4,925 |
| Net interest margin | 4.6666% | 519 |
| Noninterest income to average assets | 0.3909% | 4,305 |
| Noninterest expense to average assets | 3.1673% | 2,287 |
| Loan and lease loss provision to assets | -0.0381% | 6,279 |
| Net operating income to assets | 1.2104% | 1,557 |
| Return on assets (ROA) | 1.2118% | 1,614 |
| Pretax return on assets | 1.5291% | 1,454 |
| Return on Equity (ROE) | 10.1259% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.1259% | 692 |
| Net charge-offs to loans | -0.0501% | 5,876 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0183% | 4,006 |
| Assets per employee ($millions) | 4.1574% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2086% | 1,011 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 3,369 |
| Noncurrent loans to loans | 0.7730% | 3,770 |
| Net loans and leases to total assets | 74.7394% | 1,345 |
| Net loans and leases to deposits | 91.9814% | 1,150 |
| Net loans and leases to core deposits | 106.5072% | 869 |
| Total domestic deposits to total assets | 81.2549% | 4,896 |
| Equity capital to assets | 11.7937% | 2,162 |
| Core capital (leverage) ratio | 11.5629% | 1,954 |
| Tier 1 risk-based capital ratio | 13.6903% | 4,461 |
| Total risk-based capital ratio | 14.9511% | 4,400 |
| Memoranda: | ||
| Average total assets | $225,620,000 | 2,765 |
| Average earning assets | $206,231,670 | 2,770 |
| Average equity | $27,000,000 | 2,480 |
| Average total loans | $171,751,330 | 2,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 665 |
| Cost of funding earning assets | 0.3160% | 4,907 |
| Net interest margin | 4.7286% | 437 |
| Noninterest income to average assets | 0.3837% | 4,322 |
| Noninterest expense to average assets | 3.0190% | 2,801 |
| Loan and lease loss provision to assets | -0.0291% | 6,431 |
| Net operating income to assets | 1.3266% | 1,147 |
| Return on assets (ROA) | 1.3294% | 1,189 |
| Pretax return on assets | 1.7241% | 925 |
| Return on Equity (ROE) | 11.0231% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.0231% | 741 |
| Net charge-offs to loans | -0.0383% | 5,697 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0927% | 4,843 |
| Assets per employee ($millions) | 4.5275% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 982 |
| Loan loss allowance to noncurrent loans | 280.7018% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 3,480 |
| Noncurrent loans to loans | 0.8322% | 3,804 |
| Net loans and leases to total assets | 72.4263% | 1,512 |
| Net loans and leases to deposits | 90.1545% | 1,126 |
| Net loans and leases to core deposits | 104.0349% | 856 |
| Total domestic deposits to total assets | 80.3357% | 5,415 |
| Equity capital to assets | 11.7124% | 2,096 |
| Core capital (leverage) ratio | 11.9477% | 1,681 |
| Tier 1 risk-based capital ratio | 13.8121% | 4,461 |
| Total risk-based capital ratio | 15.0740% | 4,398 |
| Memoranda: | ||
| Average total assets | $219,943,000 | 2,831 |
| Average earning assets | $201,244,000 | 2,838 |
| Average equity | $26,526,000 | 2,507 |
| Average total loans | $167,070,500 | 2,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 575 |
| Cost of funding earning assets | 0.4248% | 4,381 |
| Net interest margin | 4.8279% | 407 |
| Noninterest income to average assets | 0.2956% | 5,241 |
| Noninterest expense to average assets | 3.1658% | 2,529 |
| Loan and lease loss provision to assets | -0.0395% | 6,354 |
| Net operating income to assets | 1.2159% | 1,502 |
| Return on assets (ROA) | 1.2437% | 1,469 |
| Pretax return on assets | 1.6295% | 1,098 |
| Return on Equity (ROE) | 9.5393% | 2,315 |
| Retained earnings to average equity (ytd only) | 2.0575% | 4,777 |
| Net charge-offs to loans | -0.0500% | 6,337 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0835% | 4,358 |
| Assets per employee ($millions) | 4.1797% | 3,486 |
| Cash dividends to net income (ytd only)* | 78.4314% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 868 |
| Loan loss allowance to noncurrent loans | 251.0986% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 3,175 |
| Noncurrent loans to loans | 0.9779% | 3,568 |
| Net loans and leases to total assets | 76.0380% | 1,068 |
| Net loans and leases to deposits | 91.3884% | 1,122 |
| Net loans and leases to core deposits | 103.2950% | 953 |
| Total domestic deposits to total assets | 83.2031% | 4,470 |
| Equity capital to assets | 12.4449% | 1,540 |
| Core capital (leverage) ratio | 11.6384% | 1,862 |
| Tier 1 risk-based capital ratio | 14.1764% | 4,170 |
| Total risk-based capital ratio | 15.4388% | 4,107 |
| Memoranda: | ||
| Average total assets | $205,036,400 | 2,972 |
| Average earning assets | $187,866,400 | 2,983 |
| Average equity | $26,731,600 | 2,484 |
| Average total loans | $161,999,800 | 2,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 564 |
| Cost of funding earning assets | 0.4424% | 4,359 |
| Net interest margin | 4.8200% | 412 |
| Noninterest income to average assets | 0.3796% | 4,676 |
| Noninterest expense to average assets | 3.2763% | 2,126 |
| Loan and lease loss provision to assets | -0.0385% | 6,532 |
| Net operating income to assets | 1.2048% | 1,614 |
| Return on assets (ROA) | 1.2219% | 1,630 |
| Pretax return on assets | 1.5852% | 1,371 |
| Return on Equity (ROE) | 9.2644% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.2644% | 981 |
| Net charge-offs to loans | -0.0486% | 6,298 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2455% | 4,051 |
| Assets per employee ($millions) | 4.2803% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 1,104 |
| Loan loss allowance to noncurrent loans | 229.8851% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 2,833 |
| Noncurrent loans to loans | 1.0240% | 3,753 |
| Net loans and leases to total assets | 77.5315% | 802 |
| Net loans and leases to deposits | 102.2965% | 364 |
| Net loans and leases to core deposits | 117.8892% | 355 |
| Total domestic deposits to total assets | 75.7909% | 6,194 |
| Equity capital to assets | 12.8234% | 1,410 |
| Core capital (leverage) ratio | 12.5617% | 1,387 |
| Tier 1 risk-based capital ratio | 14.4303% | 4,124 |
| Total risk-based capital ratio | 15.6925% | 4,076 |
| Memoranda: | ||
| Average total assets | $204,049,250 | 3,006 |
| Average earning assets | $187,159,000 | 3,017 |
| Average equity | $26,912,500 | 2,492 |
| Average total loans | $161,772,750 | 2,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 585 |
| Cost of funding earning assets | 0.4728% | 4,176 |
| Net interest margin | 4.7735% | 449 |
| Noninterest income to average assets | 0.3707% | 4,744 |
| Noninterest expense to average assets | 3.3538% | 1,922 |
| Loan and lease loss provision to assets | -0.0349% | 6,621 |
| Net operating income to assets | 1.1568% | 1,709 |
| Return on assets (ROA) | 1.1568% | 1,829 |
| Pretax return on assets | 1.4278% | 1,841 |
| Return on Equity (ROE) | 8.6851% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.6851% | 1,230 |
| Net charge-offs to loans | -0.0440% | 6,219 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6549% | 3,702 |
| Assets per employee ($millions) | 4.1606% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4968% | 990 |
| Loan loss allowance to noncurrent loans | 162.8664% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.6955% | 2,565 |
| Noncurrent loans to loans | 1.5330% | 3,001 |
| Net loans and leases to total assets | 78.2181% | 720 |
| Net loans and leases to deposits | 100.3366% | 407 |
| Net loans and leases to core deposits | 116.7632% | 377 |
| Total domestic deposits to total assets | 77.9557% | 5,989 |
| Equity capital to assets | 13.4727% | 1,151 |
| Core capital (leverage) ratio | 12.8422% | 1,234 |
| Tier 1 risk-based capital ratio | 14.9902% | 3,782 |
| Total risk-based capital ratio | 16.2546% | 3,739 |
| Memoranda: | ||
| Average total assets | $200,727,330 | 3,065 |
| Average earning assets | $184,016,670 | 3,060 |
| Average equity | $26,735,330 | 2,513 |
| Average total loans | $159,054,000 | 2,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 557 |
| Cost of funding earning assets | 0.5526% | 3,549 |
| Net interest margin | 4.6936% | 477 |
| Noninterest income to average assets | 0.3538% | 4,846 |
| Noninterest expense to average assets | 3.3374% | 1,990 |
| Loan and lease loss provision to assets | -0.0318% | 6,766 |
| Net operating income to assets | 1.1688% | 1,615 |
| Return on assets (ROA) | 1.1688% | 1,725 |
| Pretax return on assets | 1.3536% | 2,030 |
| Return on Equity (ROE) | 8.8255% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.8255% | 1,444 |
| Net charge-offs to loans | -0.0404% | 6,034 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6297% | 3,681 |
| Assets per employee ($millions) | 4.0823% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4964% | 1,122 |
| Loan loss allowance to noncurrent loans | 158.4786% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 2,701 |
| Noncurrent loans to loans | 1.5752% | 3,170 |
| Net loans and leases to total assets | 78.1008% | 600 |
| Net loans and leases to deposits | 96.4710% | 515 |
| Net loans and leases to core deposits | 111.5412% | 450 |
| Total domestic deposits to total assets | 80.9578% | 5,512 |
| Equity capital to assets | 13.4227% | 1,238 |
| Core capital (leverage) ratio | 12.2589% | 1,437 |
| Tier 1 risk-based capital ratio | 14.8549% | 3,936 |
| Total risk-based capital ratio | 16.1250% | 3,882 |
| Memoranda: | ||
| Average total assets | $201,237,500 | 3,084 |
| Average earning assets | $184,590,500 | 3,086 |
| Average equity | $26,650,000 | 2,551 |
| Average total loans | $158,477,500 | 2,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5583% | 557 |
| Cost of funding earning assets | 0.6953% | 3,528 |
| Net interest margin | 4.8630% | 485 |
| Noninterest income to average assets | 0.3102% | 5,232 |
| Noninterest expense to average assets | 3.2335% | 2,508 |
| Loan and lease loss provision to assets | 0.0113% | 5,771 |
| Net operating income to assets | 1.0988% | 1,941 |
| Return on assets (ROA) | 1.1179% | 2,045 |
| Pretax return on assets | 1.5623% | 1,482 |
| Return on Equity (ROE) | 7.6011% | 3,289 |
| Retained earnings to average equity (ytd only) | -11.8459% | 6,694 |
| Net charge-offs to loans | 0.0147% | 5,702 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 136.3913% | 305 |
| Efficiency ratio | 67.6398% | 4,210 |
| Assets per employee ($millions) | 4.1314% | 3,684 |
| Cash dividends to net income (ytd only)* | 255.8447% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,070 |
| Loan loss allowance to noncurrent loans | 142.1464% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 2,638 |
| Noncurrent loans to loans | 1.7955% | 2,923 |
| Net loans and leases to total assets | 75.4426% | 997 |
| Net loans and leases to deposits | 95.3132% | 660 |
| Net loans and leases to core deposits | 109.0386% | 568 |
| Total domestic deposits to total assets | 79.1523% | 5,858 |
| Equity capital to assets | 13.0656% | 1,409 |
| Core capital (leverage) ratio | 11.8626% | 1,634 |
| Tier 1 risk-based capital ratio | 14.7661% | 3,856 |
| Total risk-based capital ratio | 15.9773% | 3,831 |
| Memoranda: | ||
| Average total assets | $202,783,400 | 3,012 |
| Average earning assets | $186,406,800 | 3,011 |
| Average equity | $29,824,600 | 2,261 |
| Average total loans | $156,314,400 | 2,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6224% | 538 |
| Cost of funding earning assets | 0.7145% | 3,645 |
| Net interest margin | 4.9079% | 458 |
| Noninterest income to average assets | 0.2820% | 5,523 |
| Noninterest expense to average assets | 3.0975% | 2,900 |
| Loan and lease loss provision to assets | -0.0407% | 6,987 |
| Net operating income to assets | 1.2580% | 1,550 |
| Return on assets (ROA) | 1.2836% | 1,628 |
| Pretax return on assets | 1.7752% | 1,108 |
| Return on Equity (ROE) | 8.4906% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.4038% | 1,896 |
| Net charge-offs to loans | -0.0529% | 6,726 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5793% | 4,703 |
| Assets per employee ($millions) | 4.3068% | 3,257 |
| Cash dividends to net income (ytd only)* | 12.8010% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4329% | 1,297 |
| Loan loss allowance to noncurrent loans | 295.8580% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 3,955 |
| Noncurrent loans to loans | 0.8223% | 4,774 |
| Net loans and leases to total assets | 77.5975% | 777 |
| Net loans and leases to deposits | 104.1987% | 277 |
| Net loans and leases to core deposits | 119.7762% | 314 |
| Total domestic deposits to total assets | 74.4707% | 6,564 |
| Equity capital to assets | 15.3400% | 741 |
| Core capital (leverage) ratio | 14.3278% | 748 |
| Tier 1 risk-based capital ratio | 17.2523% | 2,624 |
| Total risk-based capital ratio | 18.3575% | 2,636 |
| Memoranda: | ||
| Average total assets | $202,869,250 | 3,043 |
| Average earning assets | $186,605,500 | 3,030 |
| Average equity | $30,668,250 | 2,236 |
| Average total loans | $156,211,500 | 2,516 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6179% | 559 |
| Cost of funding earning assets | 0.7588% | 3,529 |
| Net interest margin | 4.8591% | 507 |
| Noninterest income to average assets | 0.2332% | 5,902 |
| Noninterest expense to average assets | 3.1749% | 2,669 |
| Loan and lease loss provision to assets | -0.0446% | 7,070 |
| Net operating income to assets | 1.1955% | 1,733 |
| Return on assets (ROA) | 1.1955% | 1,930 |
| Pretax return on assets | 1.5696% | 1,640 |
| Return on Equity (ROE) | 7.9485% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.2994% | 2,503 |
| Net charge-offs to loans | -0.0586% | 6,705 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5533% | 4,223 |
| Assets per employee ($millions) | 4.2789% | 3,289 |
| Cash dividends to net income (ytd only)* | 20.7469% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4977% | 1,286 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,039 |
| Noncurrent loans to loans | 0.8492% | 4,821 |
| Net loans and leases to total assets | 76.0251% | 965 |
| Net loans and leases to deposits | 102.3855% | 324 |
| Net loans and leases to core deposits | 119.5643% | 321 |
| Total domestic deposits to total assets | 74.2538% | 6,659 |
| Equity capital to assets | 15.0195% | 782 |
| Core capital (leverage) ratio | 14.1378% | 768 |
| Tier 1 risk-based capital ratio | 17.0467% | 2,646 |
| Total risk-based capital ratio | 18.3153% | 2,600 |
| Memoranda: | ||
| Average total assets | $201,583,330 | 3,065 |
| Average earning assets | $185,301,670 | 3,053 |
| Average equity | $30,320,330 | 2,242 |
| Average total loans | $153,477,000 | 2,560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6110% | 616 |
| Cost of funding earning assets | 0.8122% | 3,372 |
| Net interest margin | 4.7988% | 561 |
| Noninterest income to average assets | 0.0881% | 6,793 |
| Noninterest expense to average assets | 3.1710% | 2,696 |
| Loan and lease loss provision to assets | -0.0240% | 7,124 |
| Net operating income to assets | 0.9956% | 2,496 |
| Return on assets (ROA) | 0.9956% | 2,687 |
| Pretax return on assets | 1.3441% | 2,376 |
| Return on Equity (ROE) | 6.6142% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.6142% | 2,623 |
| Net charge-offs to loans | -0.0320% | 6,369 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6066% | 3,700 |
| Assets per employee ($millions) | 4.2969% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7202% | 1,089 |
| Loan loss allowance to noncurrent loans | 258.0645% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 3,117 |
| Noncurrent loans to loans | 1.0541% | 4,590 |
| Net loans and leases to total assets | 72.3728% | 1,335 |
| Net loans and leases to deposits | 94.4125% | 634 |
| Net loans and leases to core deposits | 114.3915% | 418 |
| Total domestic deposits to total assets | 76.6560% | 6,463 |
| Equity capital to assets | 15.2431% | 704 |
| Core capital (leverage) ratio | 13.9493% | 816 |
| Tier 1 risk-based capital ratio | 18.0775% | 2,257 |
| Total risk-based capital ratio | 19.3488% | 2,222 |
| Memoranda: | ||
| Average total assets | $199,682,000 | 3,106 |
| Average earning assets | $183,211,500 | 3,108 |
| Average equity | $30,056,500 | 2,260 |
| Average total loans | $150,143,000 | 2,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9413% | 478 |
| Cost of funding earning assets | 0.9391% | 3,792 |
| Net interest margin | 5.0023% | 414 |
| Noninterest income to average assets | 0.3358% | 5,131 |
| Noninterest expense to average assets | 3.2164% | 2,806 |
| Loan and lease loss provision to assets | 0.4951% | 2,128 |
| Net operating income to assets | 0.9652% | 2,342 |
| Return on assets (ROA) | 0.9547% | 2,520 |
| Pretax return on assets | 1.2112% | 2,415 |
| Return on Equity (ROE) | 7.2359% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.2359% | 1,394 |
| Net charge-offs to loans | 0.5504% | 2,813 |
| Credit loss provision to net charge-offs | 116.7785% | 2,765 |
| Earnings coverage of net charge-offs (x) | 4.0559% | 3,284 |
| Efficiency ratio | 65.1614% | 4,923 |
| Assets per employee ($millions) | 4.5843% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6104% | 1,181 |
| Loan loss allowance to noncurrent loans | 257.7320% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8968% | 3,114 |
| Noncurrent loans to loans | 1.0128% | 4,681 |
| Net loans and leases to total assets | 73.9865% | 1,278 |
| Net loans and leases to deposits | 95.3975% | 716 |
| Net loans and leases to core deposits | 114.7546% | 473 |
| Total domestic deposits to total assets | 77.5561% | 6,267 |
| Equity capital to assets | 14.8651% | 810 |
| Core capital (leverage) ratio | 13.4522% | 985 |
| Tier 1 risk-based capital ratio | 17.2832% | 2,477 |
| Total risk-based capital ratio | 18.5489% | 2,443 |
| Memoranda: | ||
| Average total assets | $210,859,800 | 2,934 |
| Average earning assets | $193,912,400 | 2,925 |
| Average equity | $27,819,600 | 2,341 |
| Average total loans | $162,412,800 | 2,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 872 |
| Cost of funding earning assets | 0.9611% | 3,949 |
| Net interest margin | 4.7237% | 723 |
| Noninterest income to average assets | 0.3284% | 5,239 |
| Noninterest expense to average assets | 3.0864% | 3,218 |
| Loan and lease loss provision to assets | 0.5630% | 1,743 |
| Net operating income to assets | 0.7363% | 3,445 |
| Return on assets (ROA) | 0.7237% | 3,671 |
| Pretax return on assets | 1.0059% | 3,376 |
| Return on Equity (ROE) | 5.6551% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6551% | 2,770 |
| Net charge-offs to loans | 0.6962% | 2,171 |
| Credit loss provision to net charge-offs | 104.6512% | 3,180 |
| Earnings coverage of net charge-offs (x) | 2.9488% | 3,670 |
| Efficiency ratio | 66.0509% | 4,709 |
| Assets per employee ($millions) | 4.7341% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4343% | 1,486 |
| Loan loss allowance to noncurrent loans | 66.3144% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.8363% | 1,612 |
| Noncurrent loans to loans | 3.6708% | 1,865 |
| Net loans and leases to total assets | 74.8496% | 1,176 |
| Net loans and leases to deposits | 97.0725% | 633 |
| Net loans and leases to core deposits | 116.5742% | 482 |
| Total domestic deposits to total assets | 77.1069% | 6,364 |
| Equity capital to assets | 13.9972% | 1,158 |
| Core capital (leverage) ratio | 12.7968% | 1,301 |
| Tier 1 risk-based capital ratio | 15.8270% | 3,203 |
| Total risk-based capital ratio | 17.0954% | 3,155 |
| Memoranda: | ||
| Average total assets | $213,148,000 | 2,919 |
| Average earning assets | $196,028,500 | 2,915 |
| Average equity | $27,278,500 | 2,375 |
| Average total loans | $164,707,000 | 2,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7162% | 852 |
| Cost of funding earning assets | 0.9750% | 4,122 |
| Net interest margin | 4.7412% | 669 |
| Noninterest income to average assets | 0.3204% | 5,336 |
| Noninterest expense to average assets | 3.0675% | 3,370 |
| Loan and lease loss provision to assets | 0.5588% | 1,733 |
| Net operating income to assets | 0.7540% | 3,270 |
| Return on assets (ROA) | 0.7413% | 3,455 |
| Pretax return on assets | 1.0328% | 3,112 |
| Return on Equity (ROE) | 5.9731% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.9731% | 2,455 |
| Net charge-offs to loans | 0.7635% | 1,972 |
| Credit loss provision to net charge-offs | 94.4882% | 3,322 |
| Earnings coverage of net charge-offs (x) | 2.7213% | 3,480 |
| Efficiency ratio | 65.5914% | 4,956 |
| Assets per employee ($millions) | 4.7674% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,693 |
| Loan loss allowance to noncurrent loans | 57.3253% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.9454% | 1,634 |
| Noncurrent loans to loans | 4.0688% | 1,696 |
| Net loans and leases to total assets | 76.1543% | 1,056 |
| Net loans and leases to deposits | 97.2365% | 640 |
| Net loans and leases to core deposits | 116.6601% | 501 |
| Total domestic deposits to total assets | 78.3186% | 6,228 |
| Equity capital to assets | 13.0236% | 1,506 |
| Core capital (leverage) ratio | 12.0463% | 1,574 |
| Tier 1 risk-based capital ratio | 14.7499% | 3,647 |
| Total risk-based capital ratio | 16.0174% | 3,602 |
| Memoranda: | ||
| Average total assets | $214,764,330 | 2,914 |
| Average earning assets | $197,333,670 | 2,910 |
| Average equity | $26,652,670 | 2,411 |
| Average total loans | $166,342,330 | 2,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7214% | 845 |
| Cost of funding earning assets | 0.9770% | 4,378 |
| Net interest margin | 4.7444% | 646 |
| Noninterest income to average assets | 0.2283% | 6,090 |
| Noninterest expense to average assets | 2.8095% | 4,400 |
| Loan and lease loss provision to assets | 0.3682% | 2,355 |
| Net operating income to assets | 1.1083% | 1,813 |
| Return on assets (ROA) | 1.1083% | 1,867 |
| Pretax return on assets | 1.4047% | 1,714 |
| Return on Equity (ROE) | 9.1491% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.1491% | 1,334 |
| Net charge-offs to loans | 0.6630% | 1,883 |
| Credit loss provision to net charge-offs | 71.9424% | 3,317 |
| Earnings coverage of net charge-offs (x) | 3.4640% | 2,734 |
| Efficiency ratio | 61.3098% | 5,796 |
| Assets per employee ($millions) | 5.0358% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2509% | 1,855 |
| Loan loss allowance to noncurrent loans | 75.5004% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 3.2931% | 2,080 |
| Noncurrent loans to loans | 2.9814% | 2,518 |
| Net loans and leases to total assets | 75.6448% | 1,083 |
| Net loans and leases to deposits | 99.0944% | 521 |
| Net loans and leases to core deposits | 115.4714% | 545 |
| Total domestic deposits to total assets | 76.3361% | 6,622 |
| Equity capital to assets | 12.3071% | 1,734 |
| Core capital (leverage) ratio | 11.5821% | 1,800 |
| Tier 1 risk-based capital ratio | 14.1820% | 3,949 |
| Total risk-based capital ratio | 15.4479% | 3,907 |
| Memoranda: | ||
| Average total assets | $217,264,000 | 2,909 |
| Average earning assets | $199,391,000 | 2,896 |
| Average equity | $26,319,500 | 2,427 |
| Average total loans | $167,733,500 | 2,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6932% | 1,592 |
| Cost of funding earning assets | 1.2359% | 4,321 |
| Net interest margin | 4.4573% | 1,333 |
| Noninterest income to average assets | 0.4146% | 4,784 |
| Noninterest expense to average assets | 2.7877% | 4,649 |
| Loan and lease loss provision to assets | 1.2014% | 1,304 |
| Net operating income to assets | 0.4408% | 4,359 |
| Return on assets (ROA) | 0.4408% | 4,520 |
| Pretax return on assets | 0.5254% | 4,539 |
| Return on Equity (ROE) | 3.8004% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.1665% | 4,962 |
| Net charge-offs to loans | 2.3676% | 810 |
| Credit loss provision to net charge-offs | 66.2894% | 5,948 |
| Earnings coverage of net charge-offs (x) | 0.9528% | 5,157 |
| Efficiency ratio | 61.7496% | 5,771 |
| Assets per employee ($millions) | 5.0695% | 2,061 |
| Cash dividends to net income (ytd only)* | 69.3069% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2931% | 1,706 |
| Loan loss allowance to noncurrent loans | 87.0450% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 3.0970% | 2,278 |
| Noncurrent loans to loans | 2.6344% | 2,888 |
| Net loans and leases to total assets | 75.2536% | 1,423 |
| Net loans and leases to deposits | 100.2432% | 560 |
| Net loans and leases to core deposits | 116.7416% | 615 |
| Total domestic deposits to total assets | 75.0710% | 6,759 |
| Equity capital to assets | 11.9223% | 1,957 |
| Core capital (leverage) ratio | 11.4526% | 1,860 |
| Tier 1 risk-based capital ratio | 13.8978% | 3,929 |
| Total risk-based capital ratio | 15.1647% | 3,894 |
| Memoranda: | ||
| Average total assets | $229,151,400 | 2,768 |
| Average earning assets | $210,778,600 | 2,748 |
| Average equity | $26,576,000 | 2,411 |
| Average total loans | $175,406,400 | 2,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 1,684 |
| Cost of funding earning assets | 1.2838% | 4,335 |
| Net interest margin | 4.4260% | 1,442 |
| Noninterest income to average assets | 0.4265% | 4,748 |
| Noninterest expense to average assets | 2.7782% | 4,572 |
| Loan and lease loss provision to assets | 0.8082% | 1,874 |
| Net operating income to assets | 0.6191% | 3,797 |
| Return on assets (ROA) | 0.6191% | 3,963 |
| Pretax return on assets | 0.9128% | 3,513 |
| Return on Equity (ROE) | 5.3735% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.8810% | 5,017 |
| Net charge-offs to loans | 1.6215% | 1,213 |
| Credit loss provision to net charge-offs | 65.2134% | 5,556 |
| Earnings coverage of net charge-offs (x) | 1.3887% | 4,695 |
| Efficiency ratio | 61.7478% | 5,658 |
| Assets per employee ($millions) | 5.4075% | 1,710 |
| Cash dividends to net income (ytd only)* | 64.9955% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6078% | 1,198 |
| Loan loss allowance to noncurrent loans | 96.6910% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 3.2818% | 2,177 |
| Noncurrent loans to loans | 2.6971% | 2,936 |
| Net loans and leases to total assets | 75.8022% | 1,446 |
| Net loans and leases to deposits | 93.7656% | 1,230 |
| Net loans and leases to core deposits | 107.3832% | 1,207 |
| Total domestic deposits to total assets | 80.8422% | 5,435 |
| Equity capital to assets | 12.1115% | 2,085 |
| Core capital (leverage) ratio | 11.0434% | 2,228 |
| Tier 1 risk-based capital ratio | 13.7047% | 4,052 |
| Total risk-based capital ratio | 14.9722% | 3,995 |
| Memoranda: | ||
| Average total assets | $231,942,500 | 2,759 |
| Average earning assets | $213,430,500 | 2,748 |
| Average equity | $26,722,750 | 2,436 |
| Average total loans | $177,284,750 | 2,416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 1,571 |
| Cost of funding earning assets | 1.2939% | 4,577 |
| Net interest margin | 4.4506% | 1,317 |
| Noninterest income to average assets | 0.4470% | 4,550 |
| Noninterest expense to average assets | 2.7252% | 4,810 |
| Loan and lease loss provision to assets | 0.2192% | 4,700 |
| Net operating income to assets | 1.0775% | 1,926 |
| Return on assets (ROA) | 1.0775% | 2,002 |
| Pretax return on assets | 1.5976% | 1,312 |
| Return on Equity (ROE) | 9.5054% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.8816% | 1,887 |
| Net charge-offs to loans | 0.0089% | 6,230 |
| Credit loss provision to net charge-offs | 3,225.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 267.2500% | 124 |
| Efficiency ratio | 60.0000% | 6,045 |
| Assets per employee ($millions) | 5.0852% | 2,072 |
| Cash dividends to net income (ytd only)* | 27.6025% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1557% | 729 |
| Loan loss allowance to noncurrent loans | 275.2753% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 2.2488% | 3,199 |
| Noncurrent loans to loans | 1.1464% | 5,045 |
| Net loans and leases to total assets | 73.7593% | 1,965 |
| Net loans and leases to deposits | 90.7120% | 1,739 |
| Net loans and leases to core deposits | 108.3072% | 1,279 |
| Total domestic deposits to total assets | 81.3114% | 5,287 |
| Equity capital to assets | 11.8942% | 2,158 |
| Core capital (leverage) ratio | 10.8917% | 2,334 |
| Tier 1 risk-based capital ratio | 13.8248% | 3,853 |
| Total risk-based capital ratio | 15.1018% | 3,802 |
| Memoranda: | ||
| Average total assets | $235,354,670 | 2,748 |
| Average earning assets | $216,554,670 | 2,722 |
| Average equity | $26,679,670 | 2,431 |
| Average total loans | $178,860,330 | 2,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6967% | 1,794 |
| Cost of funding earning assets | 1.2756% | 4,958 |
| Net interest margin | 4.4211% | 1,331 |
| Noninterest income to average assets | 0.4526% | 4,440 |
| Noninterest expense to average assets | 2.5363% | 5,593 |
| Loan and lease loss provision to assets | -0.0319% | 7,853 |
| Net operating income to assets | 1.3075% | 1,282 |
| Return on assets (ROA) | 1.3075% | 1,353 |
| Pretax return on assets | 2.0267% | 576 |
| Return on Equity (ROE) | 11.8135% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.8135% | 778 |
| Net charge-offs to loans | -0.0420% | 7,300 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9748% | 6,767 |
| Assets per employee ($millions) | 4.8113% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9234% | 876 |
| Loan loss allowance to noncurrent loans | 313.9952% | 957 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 3,654 |
| Noncurrent loans to loans | 0.9310% | 5,459 |
| Net loans and leases to total assets | 73.9476% | 1,983 |
| Net loans and leases to deposits | 90.4078% | 1,845 |
| Net loans and leases to core deposits | 110.4238% | 1,242 |
| Total domestic deposits to total assets | 81.7935% | 5,160 |
| Equity capital to assets | 11.3889% | 2,440 |
| Core capital (leverage) ratio | 10.5303% | 2,594 |
| Tier 1 risk-based capital ratio | 13.2687% | 4,153 |
| Total risk-based capital ratio | 14.5127% | 4,102 |
| Memoranda: | ||
| Average total assets | $238,614,500 | 2,780 |
| Average earning assets | $220,126,500 | 2,738 |
| Average equity | $26,410,500 | 2,469 |
| Average total loans | $181,147,000 | 2,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8112% | 2,608 |
| Cost of funding earning assets | 1.5495% | 5,284 |
| Net interest margin | 4.2617% | 1,850 |
| Noninterest income to average assets | 0.4303% | 4,955 |
| Noninterest expense to average assets | 2.7367% | 5,211 |
| Loan and lease loss provision to assets | 1.2657% | 1,824 |
| Net operating income to assets | 0.3390% | 4,378 |
| Return on assets (ROA) | 0.3776% | 4,321 |
| Pretax return on assets | 0.4642% | 4,308 |
| Return on Equity (ROE) | 3.8120% | 4,163 |
| Retained earnings to average equity (ytd only) | -1.4320% | 5,376 |
| Net charge-offs to loans | 0.3832% | 4,289 |
| Credit loss provision to net charge-offs | 441.2256% | 706 |
| Earnings coverage of net charge-offs (x) | 5.8649% | 2,483 |
| Efficiency ratio | 61.9293% | 6,166 |
| Assets per employee ($millions) | 5.0307% | 2,178 |
| Cash dividends to net income (ytd only)* | 137.5661% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8734% | 861 |
| Loan loss allowance to noncurrent loans | 212.2070% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 3,996 |
| Noncurrent loans to loans | 1.3541% | 4,662 |
| Net loans and leases to total assets | 73.4898% | 2,386 |
| Net loans and leases to deposits | 93.7008% | 1,641 |
| Net loans and leases to core deposits | 152.6113% | 447 |
| Total domestic deposits to total assets | 78.4303% | 6,134 |
| Equity capital to assets | 10.7552% | 2,914 |
| Core capital (leverage) ratio | 9.8905% | 3,214 |
| Tier 1 risk-based capital ratio | 12.6253% | 4,420 |
| Total risk-based capital ratio | 13.8933% | 4,343 |
| Memoranda: | ||
| Average total assets | $250,297,000 | 2,605 |
| Average earning assets | $234,271,600 | 2,559 |
| Average equity | $24,790,400 | 2,631 |
| Average total loans | $187,350,600 | 2,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7558% | 3,082 |
| Cost of funding earning assets | 1.6263% | 5,280 |
| Net interest margin | 4.1294% | 2,288 |
| Noninterest income to average assets | 0.4166% | 5,158 |
| Noninterest expense to average assets | 2.6618% | 5,484 |
| Loan and lease loss provision to assets | 0.8327% | 2,296 |
| Net operating income to assets | 0.6155% | 3,553 |
| Return on assets (ROA) | 0.5687% | 3,798 |
| Pretax return on assets | 0.7361% | 3,749 |
| Return on Equity (ROE) | 5.8622% | 3,580 |
| Retained earnings to average equity (ytd only) | 0.6913% | 4,900 |
| Net charge-offs to loans | 0.1252% | 5,444 |
| Credit loss provision to net charge-offs | 890.9605% | 426 |
| Earnings coverage of net charge-offs (x) | 17.4353% | 1,405 |
| Efficiency ratio | 62.0278% | 6,093 |
| Assets per employee ($millions) | 5.0897% | 2,034 |
| Cash dividends to net income (ytd only)* | 88.2086% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3004% | 1,296 |
| Loan loss allowance to noncurrent loans | 305.0109% | 994 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 4,703 |
| Noncurrent loans to loans | 0.7542% | 5,800 |
| Net loans and leases to total assets | 71.5225% | 3,149 |
| Net loans and leases to deposits | 93.3119% | 1,997 |
| Net loans and leases to core deposits | 156.0245% | 461 |
| Total domestic deposits to total assets | 76.6489% | 6,437 |
| Equity capital to assets | 10.7331% | 3,259 |
| Core capital (leverage) ratio | 9.9429% | 3,354 |
| Tier 1 risk-based capital ratio | 12.8350% | 4,301 |
| Total risk-based capital ratio | 14.0743% | 4,247 |
| Memoranda: | ||
| Average total assets | $252,503,000 | 2,601 |
| Average earning assets | $236,926,500 | 2,554 |
| Average equity | $24,495,250 | 2,691 |
| Average total loans | $188,511,250 | 2,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,507 |
| Cost of funding earning assets | 1.7166% | 5,189 |
| Net interest margin | 3.9892% | 2,743 |
| Noninterest income to average assets | 0.4118% | 5,188 |
| Noninterest expense to average assets | 2.6813% | 5,449 |
| Loan and lease loss provision to assets | 0.2635% | 4,470 |
| Net operating income to assets | 0.8619% | 2,604 |
| Return on assets (ROA) | 0.8322% | 2,822 |
| Pretax return on assets | 1.1722% | 2,384 |
| Return on Equity (ROE) | 8.8888% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.8336% | 3,157 |
| Net charge-offs to loans | 0.0882% | 5,313 |
| Credit loss provision to net charge-offs | 397.6190% | 1,175 |
| Earnings coverage of net charge-offs (x) | 22.2976% | 1,230 |
| Efficiency ratio | 64.4727% | 5,809 |
| Assets per employee ($millions) | 5.0989% | 1,969 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,777 |
| Loan loss allowance to noncurrent loans | 94.9860% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4223% | 4,117 |
| Noncurrent loans to loans | 1.6769% | 3,985 |
| Net loans and leases to total assets | 73.9138% | 2,724 |
| Net loans and leases to deposits | 96.7992% | 1,683 |
| Net loans and leases to core deposits | 160.0867% | 449 |
| Total domestic deposits to total assets | 76.3579% | 6,477 |
| Equity capital to assets | 10.3917% | 3,525 |
| Core capital (leverage) ratio | 10.0173% | 3,281 |
| Tier 1 risk-based capital ratio | 12.3308% | 4,651 |
| Total risk-based capital ratio | 13.5883% | 4,570 |
| Memoranda: | ||
| Average total assets | $253,538,330 | 2,597 |
| Average earning assets | $238,140,330 | 2,535 |
| Average equity | $23,737,670 | 2,787 |
| Average total loans | $190,490,000 | 2,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7013% | 3,800 |
| Cost of funding earning assets | 1.8297% | 4,978 |
| Net interest margin | 3.8716% | 3,182 |
| Noninterest income to average assets | 0.3892% | 5,305 |
| Noninterest expense to average assets | 2.4981% | 5,846 |
| Loan and lease loss provision to assets | 0.2753% | 3,760 |
| Net operating income to assets | 1.0426% | 2,156 |
| Return on assets (ROA) | 1.0426% | 2,287 |
| Pretax return on assets | 1.2514% | 2,446 |
| Return on Equity (ROE) | 11.7889% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.3166% | 2,091 |
| Net charge-offs to loans | 0.1558% | 3,715 |
| Credit loss provision to net charge-offs | 235.1351% | 1,965 |
| Earnings coverage of net charge-offs (x) | 13.0405% | 1,761 |
| Efficiency ratio | 62.0676% | 6,035 |
| Assets per employee ($millions) | 5.1409% | 1,905 |
| Cash dividends to net income (ytd only)* | 37.9363% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 2,778 |
| Loan loss allowance to noncurrent loans | 75.7180% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 3,654 |
| Noncurrent loans to loans | 2.0295% | 3,224 |
| Net loans and leases to total assets | 73.7646% | 2,817 |
| Net loans and leases to deposits | 90.7579% | 2,819 |
| Net loans and leases to core deposits | 143.8227% | 941 |
| Total domestic deposits to total assets | 81.2762% | 4,847 |
| Equity capital to assets | 8.9883% | 5,362 |
| Core capital (leverage) ratio | 8.3143% | 5,881 |
| Tier 1 risk-based capital ratio | 10.5024% | 6,394 |
| Total risk-based capital ratio | 11.7598% | 6,296 |
| Memoranda: | ||
| Average total assets | $252,836,000 | 2,615 |
| Average earning assets | $237,419,000 | 2,555 |
| Average equity | $22,360,000 | 2,935 |
| Average total loans | $189,991,000 | 2,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5138% | 2,889 |
| Cost of funding earning assets | 2.4249% | 4,606 |
| Net interest margin | 4.0889% | 2,762 |
| Noninterest income to average assets | 0.4905% | 4,681 |
| Noninterest expense to average assets | 2.6443% | 5,471 |
| Loan and lease loss provision to assets | 0.4556% | 3,010 |
| Net operating income to assets | 0.8153% | 3,364 |
| Return on assets (ROA) | 0.6313% | 4,030 |
| Pretax return on assets | 0.9318% | 3,611 |
| Return on Equity (ROE) | 7.2194% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.6989% | 2,842 |
| Net charge-offs to loans | 0.3108% | 3,313 |
| Credit loss provision to net charge-offs | 181.9672% | 2,748 |
| Earnings coverage of net charge-offs (x) | 6.6213% | 3,315 |
| Efficiency ratio | 61.4636% | 6,055 |
| Assets per employee ($millions) | 5.3993% | 1,538 |
| Cash dividends to net income (ytd only)* | 48.7646% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 2,862 |
| Loan loss allowance to noncurrent loans | 72.9547% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 3,191 |
| Noncurrent loans to loans | 2.0066% | 2,751 |
| Net loans and leases to total assets | 74.2670% | 3,039 |
| Net loans and leases to deposits | 98.5845% | 2,038 |
| Net loans and leases to core deposits | 138.3572% | 1,354 |
| Total domestic deposits to total assets | 75.3334% | 6,381 |
| Equity capital to assets | 8.7001% | 5,814 |
| Core capital (leverage) ratio | 8.2676% | 6,016 |
| Tier 1 risk-based capital ratio | 10.0652% | 6,669 |
| Total risk-based capital ratio | 11.3214% | 6,537 |
| Memoranda: | ||
| Average total assets | $243,618,200 | 2,620 |
| Average earning assets | $227,102,200 | 2,578 |
| Average equity | $21,303,600 | 3,066 |
| Average total loans | $196,245,000 | 2,337 |