Home > Mt. McKinley Bank > Performance and Condition Ratios
Mt. McKinley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,862 |
| Cost of funding earning assets | 0.7935% | 3,751 |
| Net interest margin | 3.2723% | 2,698 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6767% | 1,803 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.7282% | 3,110 |
| Return on assets (ROA) | 0.7285% | 3,094 |
| Pretax return on assets | 0.8743% | 3,030 |
| Return on Equity (ROE) | 5.4900% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.4860% | 2,409 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.0757% | 1,236 |
| Assets per employee ($millions) | 7.5297% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 595 |
| Loan loss allowance to noncurrent loans | 114.4111% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,023 |
| Noncurrent loans to loans | 1.5286% | 443 |
| Net loans and leases to total assets | 35.0600% | 4,184 |
| Net loans and leases to deposits | 41.5015% | 4,163 |
| Net loans and leases to core deposits | 45.7377% | 4,163 |
| Total domestic deposits to total assets | 84.4700% | 2,482 |
| Equity capital to assets | 13.7516% | 721 |
| Core capital (leverage) ratio | 16.7594% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $632,130,600 | 1,412 |
| Average earning assets | $576,408,000 | 1,429 |
| Average equity | $83,941,400 | 1,090 |
| Average total loans | $230,260,600 | 2,101 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,894 |
| Cost of funding earning assets | 0.6370% | 3,905 |
| Net interest margin | 3.3370% | 2,603 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.6480% | 1,807 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.7880% | 3,063 |
| Return on assets (ROA) | 0.7880% | 3,060 |
| Pretax return on assets | 0.9454% | 2,990 |
| Return on Equity (ROE) | 5.9900% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.9887% | 2,638 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.0842% | 1,354 |
| Assets per employee ($millions) | 7.2480% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 580 |
| Loan loss allowance to noncurrent loans | 81.6926% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 694 |
| Noncurrent loans to loans | 2.1889% | 250 |
| Net loans and leases to total assets | 36.0700% | 4,182 |
| Net loans and leases to deposits | 42.1617% | 4,158 |
| Net loans and leases to core deposits | 45.6952% | 4,138 |
| Total domestic deposits to total assets | 85.5500% | 2,334 |
| Equity capital to assets | 12.7680% | 860 |
| Core capital (leverage) ratio | 16.9847% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $628,274,500 | 1,416 |
| Average earning assets | $572,243,000 | 1,436 |
| Average equity | $82,664,500 | 1,099 |
| Average total loans | $230,060,500 | 2,100 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 3,960 |
| Cost of funding earning assets | 0.4851% | 4,010 |
| Net interest margin | 3.3598% | 2,614 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.6639% | 1,739 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.7850% | 3,126 |
| Return on assets (ROA) | 0.7850% | 3,139 |
| Pretax return on assets | 0.9364% | 3,083 |
| Return on Equity (ROE) | 5.9100% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.9077% | 2,658 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.5850% | 1,297 |
| Assets per employee ($millions) | 6.9867% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 640 |
| Loan loss allowance to noncurrent loans | 100.9721% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 790 |
| Noncurrent loans to loans | 1.7645% | 349 |
| Net loans and leases to total assets | 37.2600% | 4,141 |
| Net loans and leases to deposits | 43.9488% | 4,099 |
| Net loans and leases to core deposits | 46.8241% | 4,104 |
| Total domestic deposits to total assets | 84.7700% | 2,602 |
| Equity capital to assets | 13.6861% | 683 |
| Core capital (leverage) ratio | 17.2796% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $627,507,333 | 1,417 |
| Average earning assets | $572,241,667 | 1,434 |
| Average equity | $83,382,000 | 1,091 |
| Average total loans | $229,555,000 | 2,097 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,662 |
| Cost of funding earning assets | 0.2918% | 4,217 |
| Net interest margin | 3.6125% | 2,097 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.5558% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9819% | 2,585 |
| Return on assets (ROA) | 0.9819% | 2,558 |
| Pretax return on assets | 1.1978% | 2,426 |
| Return on Equity (ROE) | 7.5000% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.4988% | 2,363 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0901% | 1,961 |
| Assets per employee ($millions) | 7.1818% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 559 |
| Loan loss allowance to noncurrent loans | 832.3529% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 2,968 |
| Noncurrent loans to loans | 0.2265% | 2,360 |
| Net loans and leases to total assets | 36.1800% | 4,184 |
| Net loans and leases to deposits | 42.3476% | 4,153 |
| Net loans and leases to core deposits | 44.2170% | 4,162 |
| Total domestic deposits to total assets | 85.4400% | 2,741 |
| Equity capital to assets | 13.9513% | 605 |
| Core capital (leverage) ratio | 16.8181% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $633,847,000 | 1,425 |
| Average earning assets | $578,433,000 | 1,447 |
| Average equity | $83,000,000 | 1,107 |
| Average total loans | $227,727,500 | 2,125 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4141% | 3,309 |
| Cost of funding earning assets | 0.1689% | 4,007 |
| Net interest margin | 3.2452% | 2,718 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4824% | 2,174 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8446% | 3,177 |
| Return on assets (ROA) | 0.8446% | 3,106 |
| Pretax return on assets | 1.0085% | 3,052 |
| Return on Equity (ROE) | 6.2100% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.2134% | 2,567 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6136% | 1,606 |
| Assets per employee ($millions) | 7.7323% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 605 |
| Loan loss allowance to noncurrent loans | 6,530.7692% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,792 |
| Noncurrent loans to loans | 0.0282% | 3,587 |
| Net loans and leases to total assets | 34.4000% | 4,271 |
| Net loans and leases to deposits | 39.5316% | 4,258 |
| Net loans and leases to core deposits | 40.9884% | 4,251 |
| Total domestic deposits to total assets | 87.0200% | 2,386 |
| Equity capital to assets | 12.2990% | 851 |
| Core capital (leverage) ratio | 16.1393% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $646,237,400 | 1,388 |
| Average earning assets | $594,393,200 | 1,398 |
| Average equity | $87,843,000 | 1,056 |
| Average total loans | $230,083,200 | 2,054 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 3,448 |
| Cost of funding earning assets | 0.1546% | 3,804 |
| Net interest margin | 3.0421% | 3,109 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.4354% | 2,205 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7451% | 3,436 |
| Return on assets (ROA) | 0.7451% | 3,384 |
| Pretax return on assets | 0.8781% | 3,383 |
| Return on Equity (ROE) | 5.3500% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.2291% | 1,357 |
| Assets per employee ($millions) | 7.6571% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 720 |
| Loan loss allowance to noncurrent loans | 83.8051% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 673 |
| Noncurrent loans to loans | 2.1551% | 270 |
| Net loans and leases to total assets | 34.2200% | 4,293 |
| Net loans and leases to deposits | 39.0789% | 4,271 |
| Net loans and leases to core deposits | 40.8967% | 4,250 |
| Total domestic deposits to total assets | 87.5700% | 2,569 |
| Equity capital to assets | 11.8105% | 918 |
| Core capital (leverage) ratio | 16.7689% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $643,486,000 | 1,394 |
| Average earning assets | $592,605,500 | 1,410 |
| Average equity | $89,595,250 | 1,051 |
| Average total loans | $230,020,500 | 2,052 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1160% | 3,266 |
| Cost of funding earning assets | 0.1518% | 3,549 |
| Net interest margin | 2.9642% | 2,991 |
| Noninterest income to average assets | 0.5250% | 2,062 |
| Noninterest expense to average assets | 2.4029% | 2,218 |
| Loan and lease loss provision to assets | 0.0185% | 2,272 |
| Net operating income to assets | 0.7136% | 3,261 |
| Return on assets (ROA) | 0.7136% | 3,214 |
| Pretax return on assets | 0.8433% | 3,225 |
| Return on Equity (ROE) | 4.8709% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.8709% | 2,748 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6039% | 1,558 |
| Assets per employee ($millions) | 7.6535% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 792 |
| Loan loss allowance to noncurrent loans | 236.0248% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 1,917 |
| Noncurrent loans to loans | 0.7698% | 1,115 |
| Net loans and leases to total assets | 35.5574% | 4,266 |
| Net loans and leases to deposits | 41.2149% | 4,219 |
| Net loans and leases to core deposits | 43.2429% | 4,217 |
| Total domestic deposits to total assets | 86.2731% | 3,177 |
| Equity capital to assets | 13.1658% | 637 |
| Core capital (leverage) ratio | 16.8718% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,479,000 | 1,412 |
| Average earning assets | $590,109,000 | 1,432 |
| Average equity | $93,536,000 | 1,014 |
| Average total loans | $230,193,333 | 2,051 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8875% | 3,561 |
| Cost of funding earning assets | 0.1501% | 3,505 |
| Net interest margin | 2.7374% | 3,318 |
| Noninterest income to average assets | 0.5205% | 2,041 |
| Noninterest expense to average assets | 2.3346% | 2,383 |
| Loan and lease loss provision to assets | 0.0056% | 2,205 |
| Net operating income to assets | 0.6218% | 3,322 |
| Return on assets (ROA) | 0.6218% | 3,303 |
| Pretax return on assets | 0.7224% | 3,324 |
| Return on Equity (ROE) | 4.0412% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.0412% | 2,924 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2293% | 1,497 |
| Assets per employee ($millions) | 7.4785% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 832 |
| Loan loss allowance to noncurrent loans | 300.3636% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 2,200 |
| Noncurrent loans to loans | 0.6099% | 1,535 |
| Net loans and leases to total assets | 34.8132% | 4,270 |
| Net loans and leases to deposits | 41.0396% | 4,206 |
| Net loans and leases to core deposits | 43.1464% | 4,193 |
| Total domestic deposits to total assets | 84.8283% | 3,580 |
| Equity capital to assets | 14.6715% | 428 |
| Core capital (leverage) ratio | 16.2582% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $640,096,500 | 1,412 |
| Average earning assets | $594,427,500 | 1,423 |
| Average equity | $98,486,500 | 1,000 |
| Average total loans | $230,262,000 | 2,041 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 3,647 |
| Cost of funding earning assets | 0.1814% | 3,644 |
| Net interest margin | 2.9369% | 3,355 |
| Noninterest income to average assets | 0.6965% | 1,779 |
| Noninterest expense to average assets | 2.4186% | 2,432 |
| Loan and lease loss provision to assets | 0.0390% | 2,265 |
| Net operating income to assets | 0.7986% | 3,334 |
| Return on assets (ROA) | 0.8000% | 3,403 |
| Pretax return on assets | 0.9695% | 3,339 |
| Return on Equity (ROE) | 4.7216% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.7216% | 2,908 |
| Net charge-offs to loans | -0.0004% | 3,226 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6068% | 1,666 |
| Assets per employee ($millions) | 7.8600% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 943 |
| Loan loss allowance to noncurrent loans | 302.5698% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,506 |
| Noncurrent loans to loans | 0.5793% | 1,690 |
| Net loans and leases to total assets | 35.8368% | 4,293 |
| Net loans and leases to deposits | 42.9909% | 4,225 |
| Net loans and leases to core deposits | 45.3209% | 4,216 |
| Total domestic deposits to total assets | 83.3589% | 3,728 |
| Equity capital to assets | 16.0911% | 373 |
| Core capital (leverage) ratio | 16.1318% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,860,400 | 1,447 |
| Average earning assets | $560,177,200 | 1,454 |
| Average equity | $102,147,200 | 997 |
| Average total loans | $238,135,600 | 1,997 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 3,866 |
| Cost of funding earning assets | 0.1863% | 3,750 |
| Net interest margin | 2.8843% | 3,589 |
| Noninterest income to average assets | 0.7328% | 1,720 |
| Noninterest expense to average assets | 2.4323% | 2,339 |
| Loan and lease loss provision to assets | 0.0528% | 1,930 |
| Net operating income to assets | 0.7658% | 3,611 |
| Return on assets (ROA) | 0.7676% | 3,665 |
| Pretax return on assets | 0.9259% | 3,638 |
| Return on Equity (ROE) | 4.4694% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.4694% | 3,416 |
| Net charge-offs to loans | -0.0006% | 3,089 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3541% | 1,455 |
| Assets per employee ($millions) | 7.5862% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 1,002 |
| Loan loss allowance to noncurrent loans | 285.7836% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,632 |
| Noncurrent loans to loans | 0.6152% | 1,773 |
| Net loans and leases to total assets | 36.5690% | 4,359 |
| Net loans and leases to deposits | 44.0377% | 4,308 |
| Net loans and leases to core deposits | 46.1728% | 4,314 |
| Total domestic deposits to total assets | 83.0403% | 3,696 |
| Equity capital to assets | 16.4295% | 372 |
| Core capital (leverage) ratio | 16.4530% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,446,250 | 1,481 |
| Average earning assets | $549,667,000 | 1,494 |
| Average equity | $101,756,500 | 1,019 |
| Average total loans | $238,895,750 | 2,033 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 3,827 |
| Cost of funding earning assets | 0.1928% | 3,825 |
| Net interest margin | 2.9236% | 3,521 |
| Noninterest income to average assets | 0.7868% | 1,572 |
| Noninterest expense to average assets | 2.4474% | 2,317 |
| Loan and lease loss provision to assets | 0.0810% | 1,500 |
| Net operating income to assets | 0.7992% | 3,518 |
| Return on assets (ROA) | 0.8006% | 3,584 |
| Pretax return on assets | 0.9679% | 3,504 |
| Return on Equity (ROE) | 4.5893% | 4,217 |
| Retained earnings to average equity (ytd only) | 4.5893% | 3,330 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0345% | 1,628 |
| Assets per employee ($millions) | 7.5243% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,078 |
| Loan loss allowance to noncurrent loans | 271.2311% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 2,683 |
| Noncurrent loans to loans | 0.6238% | 1,850 |
| Net loans and leases to total assets | 39.2781% | 4,318 |
| Net loans and leases to deposits | 47.4894% | 4,247 |
| Net loans and leases to core deposits | 49.7120% | 4,243 |
| Total domestic deposits to total assets | 82.7092% | 3,767 |
| Equity capital to assets | 16.7958% | 340 |
| Core capital (leverage) ratio | 17.0641% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,044,000 | 1,504 |
| Average earning assets | $537,219,000 | 1,510 |
| Average equity | $101,192,333 | 1,017 |
| Average total loans | $240,401,333 | 2,029 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0753% | 3,935 |
| Cost of funding earning assets | 0.2021% | 3,893 |
| Net interest margin | 2.8732% | 3,585 |
| Noninterest income to average assets | 0.8965% | 1,336 |
| Noninterest expense to average assets | 2.5387% | 2,059 |
| Loan and lease loss provision to assets | 0.1486% | 876 |
| Net operating income to assets | 0.7336% | 3,621 |
| Return on assets (ROA) | 0.7366% | 3,680 |
| Pretax return on assets | 0.8682% | 3,677 |
| Return on Equity (ROE) | 4.1389% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.1389% | 3,465 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4741% | 1,547 |
| Assets per employee ($millions) | 7.1409% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 1,070 |
| Loan loss allowance to noncurrent loans | 221.8310% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 2,547 |
| Noncurrent loans to loans | 0.7615% | 1,714 |
| Net loans and leases to total assets | 41.2047% | 4,283 |
| Net loans and leases to deposits | 50.1179% | 4,151 |
| Net loans and leases to core deposits | 52.5189% | 4,174 |
| Total domestic deposits to total assets | 82.2156% | 3,849 |
| Equity capital to assets | 17.3489% | 283 |
| Core capital (leverage) ratio | 17.6744% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,332,500 | 1,525 |
| Average earning assets | $522,484,000 | 1,531 |
| Average equity | $100,606,000 | 1,012 |
| Average total loans | $238,848,500 | 2,040 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 4,019 |
| Cost of funding earning assets | 0.2589% | 4,342 |
| Net interest margin | 3.2484% | 3,216 |
| Noninterest income to average assets | 0.9243% | 1,206 |
| Noninterest expense to average assets | 2.7101% | 2,211 |
| Loan and lease loss provision to assets | 0.1179% | 2,884 |
| Net operating income to assets | 0.8858% | 2,759 |
| Return on assets (ROA) | 0.9154% | 2,767 |
| Pretax return on assets | 1.1032% | 2,679 |
| Return on Equity (ROE) | 4.7740% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.7740% | 2,382 |
| Net charge-offs to loans | 0.0014% | 3,369 |
| Credit loss provision to net charge-offs | 19,833.3333% | 48 |
| Earnings coverage of net charge-offs (x) | 1,994.3333% | 53 |
| Efficiency ratio | 69.5692% | 2,007 |
| Assets per employee ($millions) | 6.5744% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 1,160 |
| Loan loss allowance to noncurrent loans | 199.6403% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 2,574 |
| Noncurrent loans to loans | 0.8271% | 1,694 |
| Net loans and leases to total assets | 41.8982% | 4,361 |
| Net loans and leases to deposits | 51.6230% | 4,236 |
| Net loans and leases to core deposits | 54.1409% | 4,250 |
| Total domestic deposits to total assets | 81.1619% | 3,837 |
| Equity capital to assets | 18.2641% | 256 |
| Core capital (leverage) ratio | 18.3190% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,702,000 | 1,537 |
| Average earning assets | $461,640,600 | 1,558 |
| Average equity | $96,774,800 | 985 |
| Average total loans | $207,431,800 | 2,181 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,079 |
| Cost of funding earning assets | 0.2701% | 4,432 |
| Net interest margin | 3.3027% | 3,176 |
| Noninterest income to average assets | 0.9123% | 1,190 |
| Noninterest expense to average assets | 2.7820% | 2,017 |
| Loan and lease loss provision to assets | 0.1082% | 2,968 |
| Net operating income to assets | 0.8439% | 2,936 |
| Return on assets (ROA) | 0.8823% | 2,892 |
| Pretax return on assets | 1.0833% | 2,800 |
| Return on Equity (ROE) | 4.5408% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.5408% | 2,777 |
| Net charge-offs to loans | 0.0020% | 3,128 |
| Credit loss provision to net charge-offs | 13,333.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 1,409.6667% | 84 |
| Efficiency ratio | 70.8586% | 1,768 |
| Assets per employee ($millions) | 6.3707% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,123 |
| Loan loss allowance to noncurrent loans | 194.1084% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 2,709 |
| Noncurrent loans to loans | 0.8199% | 1,782 |
| Net loans and leases to total assets | 43.1495% | 4,457 |
| Net loans and leases to deposits | 53.6307% | 4,350 |
| Net loans and leases to core deposits | 56.2666% | 4,374 |
| Total domestic deposits to total assets | 80.4567% | 3,775 |
| Equity capital to assets | 18.7821% | 248 |
| Core capital (leverage) ratio | 18.2582% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,814,250 | 1,553 |
| Average earning assets | $449,719,000 | 1,571 |
| Average equity | $95,752,500 | 984 |
| Average total loans | $200,472,500 | 2,230 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 3,992 |
| Cost of funding earning assets | 0.2798% | 4,535 |
| Net interest margin | 3.4653% | 2,901 |
| Noninterest income to average assets | 0.8182% | 1,385 |
| Noninterest expense to average assets | 2.8284% | 2,027 |
| Loan and lease loss provision to assets | 0.0728% | 3,389 |
| Net operating income to assets | 0.8696% | 2,806 |
| Return on assets (ROA) | 0.9113% | 2,768 |
| Pretax return on assets | 1.1214% | 2,646 |
| Return on Equity (ROE) | 4.6338% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.6338% | 2,648 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2266% | 1,796 |
| Assets per employee ($millions) | 6.1915% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 976 |
| Loan loss allowance to noncurrent loans | 104.9002% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 1,936 |
| Noncurrent loans to loans | 1.5375% | 981 |
| Net loans and leases to total assets | 40.1993% | 4,599 |
| Net loans and leases to deposits | 49.7903% | 4,540 |
| Net loans and leases to core deposits | 52.1265% | 4,562 |
| Total domestic deposits to total assets | 80.7372% | 3,674 |
| Equity capital to assets | 18.5334% | 263 |
| Core capital (leverage) ratio | 19.5081% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,831,000 | 1,554 |
| Average earning assets | $437,478,333 | 1,588 |
| Average equity | $94,565,667 | 990 |
| Average total loans | $190,013,667 | 2,305 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 3,457 |
| Cost of funding earning assets | 0.2923% | 4,681 |
| Net interest margin | 3.8298% | 1,873 |
| Noninterest income to average assets | 0.6103% | 1,998 |
| Noninterest expense to average assets | 2.9216% | 2,068 |
| Loan and lease loss provision to assets | 0.0655% | 2,945 |
| Net operating income to assets | 0.9089% | 2,491 |
| Return on assets (ROA) | 0.9640% | 2,406 |
| Pretax return on assets | 1.1561% | 2,348 |
| Return on Equity (ROE) | 4.7443% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.7443% | 2,393 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6642% | 2,129 |
| Assets per employee ($millions) | 5.4076% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 624 |
| Loan loss allowance to noncurrent loans | 159.4697% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,468 |
| Noncurrent loans to loans | 1.1820% | 1,393 |
| Net loans and leases to total assets | 39.0612% | 4,699 |
| Net loans and leases to deposits | 49.3963% | 4,615 |
| Net loans and leases to core deposits | 52.1060% | 4,625 |
| Total domestic deposits to total assets | 79.0771% | 4,039 |
| Equity capital to assets | 20.4492% | 224 |
| Core capital (leverage) ratio | 20.7696% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $458,107,500 | 1,574 |
| Average earning assets | $414,638,000 | 1,623 |
| Average equity | $93,080,000 | 998 |
| Average total loans | $177,506,500 | 2,386 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 3,829 |
| Cost of funding earning assets | 0.2355% | 4,886 |
| Net interest margin | 3.9564% | 1,979 |
| Noninterest income to average assets | 0.5383% | 2,541 |
| Noninterest expense to average assets | 2.7094% | 2,861 |
| Loan and lease loss provision to assets | 0.1022% | 2,019 |
| Net operating income to assets | 1.1023% | 2,437 |
| Return on assets (ROA) | 1.1083% | 2,503 |
| Pretax return on assets | 1.3670% | 2,276 |
| Return on Equity (ROE) | 5.4272% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,209 |
| Net charge-offs to loans | 0.2190% | 934 |
| Credit loss provision to net charge-offs | 120.5263% | 2,105 |
| Earnings coverage of net charge-offs (x) | 17.2368% | 2,120 |
| Efficiency ratio | 64.9545% | 2,943 |
| Assets per employee ($millions) | 5.6998% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 591 |
| Loan loss allowance to noncurrent loans | 174.5098% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 2,434 |
| Noncurrent loans to loans | 1.0702% | 1,416 |
| Net loans and leases to total assets | 37.0216% | 4,816 |
| Net loans and leases to deposits | 46.7081% | 4,768 |
| Net loans and leases to core deposits | 47.8991% | 4,792 |
| Total domestic deposits to total assets | 79.2617% | 4,130 |
| Equity capital to assets | 20.1927% | 249 |
| Core capital (leverage) ratio | 20.2432% | 231 |
| Tier 1 risk-based capital ratio | 36.7099% | 296 |
| Total risk-based capital ratio | 37.9604% | 291 |
| Memoranda: | ||
| Average total assets | $448,074,800 | 1,562 |
| Average earning assets | $411,436,400 | 1,583 |
| Average equity | $91,501,400 | 964 |
| Average total loans | $173,549,400 | 2,383 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 3,870 |
| Cost of funding earning assets | 0.2267% | 4,981 |
| Net interest margin | 3.9980% | 1,947 |
| Noninterest income to average assets | 0.5267% | 2,570 |
| Noninterest expense to average assets | 2.8062% | 2,546 |
| Loan and lease loss provision to assets | 0.1227% | 1,589 |
| Net operating income to assets | 1.0486% | 2,789 |
| Return on assets (ROA) | 1.0525% | 2,866 |
| Pretax return on assets | 1.2844% | 2,715 |
| Return on Equity (ROE) | 5.1389% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1389% | 2,825 |
| Net charge-offs to loans | 0.2931% | 600 |
| Credit loss provision to net charge-offs | 107.3684% | 2,127 |
| Earnings coverage of net charge-offs (x) | 12.2685% | 2,369 |
| Efficiency ratio | 66.6786% | 2,639 |
| Assets per employee ($millions) | 5.6019% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 637 |
| Loan loss allowance to noncurrent loans | 183.6353% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 2,152 |
| Noncurrent loans to loans | 0.9969% | 1,603 |
| Net loans and leases to total assets | 37.8583% | 4,871 |
| Net loans and leases to deposits | 47.8841% | 4,821 |
| Net loans and leases to core deposits | 49.1971% | 4,856 |
| Total domestic deposits to total assets | 79.0625% | 4,177 |
| Equity capital to assets | 20.3053% | 242 |
| Core capital (leverage) ratio | 20.3458% | 238 |
| Tier 1 risk-based capital ratio | 37.1715% | 300 |
| Total risk-based capital ratio | 38.4220% | 293 |
| Memoranda: | ||
| Average total assets | $443,247,000 | 1,582 |
| Average earning assets | $408,198,500 | 1,598 |
| Average equity | $90,782,250 | 968 |
| Average total loans | $172,855,000 | 2,419 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,905 |
| Cost of funding earning assets | 0.2161% | 5,039 |
| Net interest margin | 3.9925% | 1,945 |
| Noninterest income to average assets | 0.4851% | 2,756 |
| Noninterest expense to average assets | 2.8158% | 2,531 |
| Loan and lease loss provision to assets | 0.0950% | 1,951 |
| Net operating income to assets | 1.0289% | 2,807 |
| Return on assets (ROA) | 1.0304% | 2,884 |
| Pretax return on assets | 1.2465% | 2,761 |
| Return on Equity (ROE) | 5.0160% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.0160% | 2,766 |
| Net charge-offs to loans | 0.3558% | 470 |
| Credit loss provision to net charge-offs | 68.1967% | 2,331 |
| Earnings coverage of net charge-offs (x) | 9.6164% | 2,329 |
| Efficiency ratio | 67.7621% | 2,575 |
| Assets per employee ($millions) | 5.5322% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 697 |
| Loan loss allowance to noncurrent loans | 164.6251% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 2,071 |
| Noncurrent loans to loans | 1.0850% | 1,508 |
| Net loans and leases to total assets | 38.2588% | 4,905 |
| Net loans and leases to deposits | 48.4987% | 4,837 |
| Net loans and leases to core deposits | 49.8566% | 4,868 |
| Total domestic deposits to total assets | 78.8862% | 4,244 |
| Equity capital to assets | 20.4965% | 231 |
| Core capital (leverage) ratio | 20.8985% | 202 |
| Tier 1 risk-based capital ratio | 37.2766% | 288 |
| Total risk-based capital ratio | 38.5270% | 284 |
| Memoranda: | ||
| Average total assets | $437,878,670 | 1,598 |
| Average earning assets | $402,555,330 | 1,619 |
| Average equity | $89,952,000 | 971 |
| Average total loans | $171,424,670 | 2,443 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 3,818 |
| Cost of funding earning assets | 0.2029% | 5,112 |
| Net interest margin | 4.0117% | 1,820 |
| Noninterest income to average assets | 0.4344% | 2,949 |
| Noninterest expense to average assets | 2.8237% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0639% | 2,606 |
| Return on assets (ROA) | 1.0639% | 2,656 |
| Pretax return on assets | 1.2848% | 2,512 |
| Return on Equity (ROE) | 5.1727% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.1727% | 2,828 |
| Net charge-offs to loans | 0.5110% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.4055% | 2,201 |
| Efficiency ratio | 68.7289% | 2,536 |
| Assets per employee ($millions) | 5.7157% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 726 |
| Loan loss allowance to noncurrent loans | 139.7018% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 1,903 |
| Noncurrent loans to loans | 1.2780% | 1,287 |
| Net loans and leases to total assets | 37.9673% | 4,959 |
| Net loans and leases to deposits | 48.2323% | 4,873 |
| Net loans and leases to core deposits | 49.5674% | 4,904 |
| Total domestic deposits to total assets | 78.7176% | 4,398 |
| Equity capital to assets | 20.7135% | 213 |
| Core capital (leverage) ratio | 20.9257% | 201 |
| Tier 1 risk-based capital ratio | 37.9024% | 262 |
| Total risk-based capital ratio | 39.1524% | 257 |
| Memoranda: | ||
| Average total assets | $432,765,000 | 1,621 |
| Average earning assets | $396,345,500 | 1,653 |
| Average equity | $89,005,000 | 973 |
| Average total loans | $169,858,000 | 2,478 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 3,602 |
| Cost of funding earning assets | 0.1454% | 5,185 |
| Net interest margin | 3.9989% | 1,987 |
| Noninterest income to average assets | 0.5823% | 2,388 |
| Noninterest expense to average assets | 2.9278% | 2,250 |
| Loan and lease loss provision to assets | 0.0312% | 3,560 |
| Net operating income to assets | 1.0491% | 2,807 |
| Return on assets (ROA) | 1.1400% | 2,433 |
| Pretax return on assets | 1.3961% | 2,151 |
| Return on Equity (ROE) | 5.5224% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.5224% | 2,469 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9838% | 2,394 |
| Assets per employee ($millions) | 5.5992% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 605 |
| Loan loss allowance to noncurrent loans | 101.1006% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,814 |
| Noncurrent loans to loans | 1.8511% | 757 |
| Net loans and leases to total assets | 39.1002% | 4,978 |
| Net loans and leases to deposits | 49.5218% | 4,899 |
| Net loans and leases to core deposits | 50.8491% | 4,920 |
| Total domestic deposits to total assets | 78.9557% | 4,321 |
| Equity capital to assets | 20.4185% | 212 |
| Core capital (leverage) ratio | 20.9070% | 200 |
| Tier 1 risk-based capital ratio | 37.5937% | 262 |
| Total risk-based capital ratio | 38.8449% | 262 |
| Memoranda: | ||
| Average total assets | $413,853,200 | 1,656 |
| Average earning assets | $378,983,000 | 1,679 |
| Average equity | $85,434,200 | 980 |
| Average total loans | $166,184,200 | 2,472 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 3,545 |
| Cost of funding earning assets | 0.1343% | 5,264 |
| Net interest margin | 3.9934% | 1,978 |
| Noninterest income to average assets | 0.5883% | 2,375 |
| Noninterest expense to average assets | 2.9900% | 2,044 |
| Loan and lease loss provision to assets | 0.0420% | 3,147 |
| Net operating income to assets | 0.9764% | 3,188 |
| Return on assets (ROA) | 1.0975% | 2,697 |
| Pretax return on assets | 1.3560% | 2,402 |
| Return on Equity (ROE) | 5.3011% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.3011% | 3,056 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5431% | 2,110 |
| Assets per employee ($millions) | 5.3335% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 627 |
| Loan loss allowance to noncurrent loans | 100.7837% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 1,878 |
| Noncurrent loans to loans | 1.8618% | 820 |
| Net loans and leases to total assets | 39.9027% | 5,029 |
| Net loans and leases to deposits | 50.5700% | 4,935 |
| Net loans and leases to core deposits | 51.6625% | 4,978 |
| Total domestic deposits to total assets | 78.9060% | 4,334 |
| Equity capital to assets | 20.4584% | 214 |
| Core capital (leverage) ratio | 20.9860% | 197 |
| Tier 1 risk-based capital ratio | 37.1763% | 273 |
| Total risk-based capital ratio | 38.4274% | 265 |
| Memoranda: | ||
| Average total assets | $409,532,000 | 1,679 |
| Average earning assets | $374,345,250 | 1,708 |
| Average equity | $84,784,750 | 984 |
| Average total loans | $164,782,500 | 2,499 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,422 |
| Cost of funding earning assets | 0.1279% | 5,324 |
| Net interest margin | 3.9801% | 1,924 |
| Noninterest income to average assets | 0.5508% | 2,576 |
| Noninterest expense to average assets | 2.9601% | 2,168 |
| Loan and lease loss provision to assets | 0.0488% | 2,940 |
| Net operating income to assets | 0.9749% | 3,127 |
| Return on assets (ROA) | 0.9749% | 3,128 |
| Pretax return on assets | 1.1780% | 3,018 |
| Return on Equity (ROE) | 4.6897% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6897% | 3,241 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6984% | 2,214 |
| Assets per employee ($millions) | 5.3452% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 655 |
| Loan loss allowance to noncurrent loans | 148.5541% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 2,569 |
| Noncurrent loans to loans | 1.2665% | 1,353 |
| Net loans and leases to total assets | 40.3573% | 5,046 |
| Net loans and leases to deposits | 51.2407% | 4,936 |
| Net loans and leases to core deposits | 52.4275% | 4,979 |
| Total domestic deposits to total assets | 78.7601% | 4,467 |
| Equity capital to assets | 20.6653% | 199 |
| Core capital (leverage) ratio | 21.4413% | 178 |
| Tier 1 risk-based capital ratio | 36.6289% | 284 |
| Total risk-based capital ratio | 37.8802% | 281 |
| Memoranda: | ||
| Average total assets | $405,593,670 | 1,701 |
| Average earning assets | $370,541,330 | 1,730 |
| Average equity | $84,312,670 | 983 |
| Average total loans | $162,595,330 | 2,525 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,446 |
| Cost of funding earning assets | 0.1243% | 5,375 |
| Net interest margin | 3.9203% | 1,963 |
| Noninterest income to average assets | 0.5216% | 2,676 |
| Noninterest expense to average assets | 3.0244% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9031% | 3,272 |
| Return on assets (ROA) | 0.9031% | 3,278 |
| Pretax return on assets | 1.0700% | 3,280 |
| Return on Equity (ROE) | 4.3316% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.3316% | 3,454 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8656% | 1,915 |
| Assets per employee ($millions) | 5.3019% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 643 |
| Loan loss allowance to noncurrent loans | 219.3319% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 3,316 |
| Noncurrent loans to loans | 0.8718% | 2,078 |
| Net loans and leases to total assets | 38.7777% | 5,112 |
| Net loans and leases to deposits | 49.1707% | 5,000 |
| Net loans and leases to core deposits | 50.1867% | 5,037 |
| Total domestic deposits to total assets | 78.8635% | 4,600 |
| Equity capital to assets | 20.5856% | 196 |
| Core capital (leverage) ratio | 21.5146% | 170 |
| Tier 1 risk-based capital ratio | 36.8512% | 283 |
| Total risk-based capital ratio | 38.1021% | 275 |
| Memoranda: | ||
| Average total assets | $402,598,500 | 1,723 |
| Average earning assets | $366,913,000 | 1,757 |
| Average equity | $83,941,500 | 999 |
| Average total loans | $159,248,500 | 2,575 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,428 |
| Cost of funding earning assets | 0.0964% | 5,510 |
| Net interest margin | 3.8957% | 2,100 |
| Noninterest income to average assets | 0.7328% | 1,831 |
| Noninterest expense to average assets | 2.8515% | 2,605 |
| Loan and lease loss provision to assets | 0.0595% | 3,044 |
| Net operating income to assets | 0.9323% | 2,536 |
| Return on assets (ROA) | 0.9674% | 2,414 |
| Pretax return on assets | 1.4060% | 1,970 |
| Return on Equity (ROE) | 4.6752% | 4,299 |
| Retained earnings to average equity (ytd only) | 4.6752% | 2,338 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8419% | 3,106 |
| Assets per employee ($millions) | 5.1552% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 573 |
| Loan loss allowance to noncurrent loans | 174.8442% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 2,947 |
| Noncurrent loans to loans | 1.1235% | 1,573 |
| Net loans and leases to total assets | 38.7998% | 5,182 |
| Net loans and leases to deposits | 49.5781% | 5,073 |
| Net loans and leases to core deposits | 50.6420% | 5,114 |
| Total domestic deposits to total assets | 78.2600% | 4,676 |
| Equity capital to assets | 21.1218% | 174 |
| Core capital (leverage) ratio | 21.2188% | 168 |
| Tier 1 risk-based capital ratio | 37.2703% | 272 |
| Total risk-based capital ratio | 38.5218% | 266 |
| Memoranda: | ||
| Average total assets | $396,944,000 | 1,714 |
| Average earning assets | $360,016,000 | 1,752 |
| Average equity | $82,136,200 | 986 |
| Average total loans | $150,906,200 | 2,645 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,379 |
| Cost of funding earning assets | 0.0932% | 5,578 |
| Net interest margin | 3.9010% | 2,041 |
| Noninterest income to average assets | 0.7652% | 1,713 |
| Noninterest expense to average assets | 2.9417% | 2,277 |
| Loan and lease loss provision to assets | 0.1112% | 1,925 |
| Net operating income to assets | 0.9521% | 2,766 |
| Return on assets (ROA) | 1.0043% | 2,578 |
| Pretax return on assets | 1.3100% | 2,437 |
| Return on Equity (ROE) | 4.8790% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.8790% | 2,965 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4914% | 2,787 |
| Assets per employee ($millions) | 5.1831% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 515 |
| Loan loss allowance to noncurrent loans | 200.8207% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 3,289 |
| Noncurrent loans to loans | 1.0241% | 1,896 |
| Net loans and leases to total assets | 37.9603% | 5,271 |
| Net loans and leases to deposits | 48.3900% | 5,177 |
| Net loans and leases to core deposits | 49.4909% | 5,214 |
| Total domestic deposits to total assets | 78.4465% | 4,638 |
| Equity capital to assets | 20.9010% | 193 |
| Core capital (leverage) ratio | 21.2504% | 168 |
| Tier 1 risk-based capital ratio | 35.9128% | 307 |
| Total risk-based capital ratio | 37.1643% | 300 |
| Memoranda: | ||
| Average total assets | $396,942,500 | 1,726 |
| Average earning assets | $359,183,250 | 1,766 |
| Average equity | $81,709,500 | 998 |
| Average total loans | $149,357,250 | 2,680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,382 |
| Cost of funding earning assets | 0.0912% | 5,628 |
| Net interest margin | 3.8550% | 2,079 |
| Noninterest income to average assets | 0.8914% | 1,296 |
| Noninterest expense to average assets | 3.0039% | 2,097 |
| Loan and lease loss provision to assets | 0.1418% | 1,443 |
| Net operating income to assets | 0.9558% | 2,628 |
| Return on assets (ROA) | 0.9853% | 2,551 |
| Pretax return on assets | 1.2826% | 2,453 |
| Return on Equity (ROE) | 4.8114% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.8114% | 2,840 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4259% | 2,934 |
| Assets per employee ($millions) | 5.0909% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 516 |
| Loan loss allowance to noncurrent loans | 61.8042% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3321% | 1,215 |
| Noncurrent loans to loans | 3.3851% | 352 |
| Net loans and leases to total assets | 37.3787% | 5,323 |
| Net loans and leases to deposits | 47.6839% | 5,223 |
| Net loans and leases to core deposits | 48.8448% | 5,255 |
| Total domestic deposits to total assets | 78.3886% | 4,751 |
| Equity capital to assets | 21.0387% | 181 |
| Core capital (leverage) ratio | 21.2600% | 161 |
| Tier 1 risk-based capital ratio | 36.8169% | 268 |
| Total risk-based capital ratio | 38.0688% | 266 |
| Memoranda: | ||
| Average total assets | $396,224,670 | 1,736 |
| Average earning assets | $359,584,670 | 1,767 |
| Average equity | $81,141,000 | 1,004 |
| Average total loans | $147,583,330 | 2,699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,371 |
| Cost of funding earning assets | 0.0900% | 5,689 |
| Net interest margin | 3.8183% | 2,054 |
| Noninterest income to average assets | 1.1357% | 780 |
| Noninterest expense to average assets | 3.1119% | 1,834 |
| Loan and lease loss provision to assets | 0.2320% | 668 |
| Net operating income to assets | 0.9518% | 2,518 |
| Return on assets (ROA) | 1.0253% | 2,246 |
| Pretax return on assets | 1.3376% | 2,109 |
| Return on Equity (ROE) | 5.0748% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,846 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8564% | 3,225 |
| Assets per employee ($millions) | 5.0935% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 547 |
| Loan loss allowance to noncurrent loans | 64.5371% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 1,366 |
| Noncurrent loans to loans | 3.2616% | 390 |
| Net loans and leases to total assets | 36.5344% | 5,382 |
| Net loans and leases to deposits | 46.3572% | 5,290 |
| Net loans and leases to core deposits | 47.5034% | 5,322 |
| Total domestic deposits to total assets | 78.8106% | 4,860 |
| Equity capital to assets | 20.6496% | 188 |
| Core capital (leverage) ratio | 20.7671% | 177 |
| Tier 1 risk-based capital ratio | 37.4662% | 264 |
| Total risk-based capital ratio | 38.7186% | 261 |
| Memoranda: | ||
| Average total assets | $398,336,500 | 1,739 |
| Average earning assets | $359,950,000 | 1,774 |
| Average equity | $80,475,500 | 1,011 |
| Average total loans | $146,547,000 | 2,739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,284 |
| Cost of funding earning assets | 0.0901% | 5,743 |
| Net interest margin | 3.5877% | 3,116 |
| Noninterest income to average assets | 0.6268% | 2,522 |
| Noninterest expense to average assets | 2.7303% | 3,252 |
| Loan and lease loss provision to assets | 0.2982% | 634 |
| Net operating income to assets | 0.6953% | 3,803 |
| Return on assets (ROA) | 0.8985% | 2,951 |
| Pretax return on assets | 1.1482% | 2,903 |
| Return on Equity (ROE) | 4.6188% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.6188% | 2,620 |
| Net charge-offs to loans | 0.2754% | 1,000 |
| Credit loss provision to net charge-offs | 300.4938% | 976 |
| Earnings coverage of net charge-offs (x) | 11.9506% | 2,501 |
| Efficiency ratio | 69.7178% | 2,955 |
| Assets per employee ($millions) | 5.2529% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 740 |
| Loan loss allowance to noncurrent loans | 347.1376% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 2,065 |
| Noncurrent loans to loans | 0.5595% | 3,165 |
| Net loans and leases to total assets | 35.5710% | 5,500 |
| Net loans and leases to deposits | 44.6538% | 5,412 |
| Net loans and leases to core deposits | 45.7108% | 5,444 |
| Total domestic deposits to total assets | 79.6594% | 4,642 |
| Equity capital to assets | 19.7698% | 213 |
| Core capital (leverage) ratio | 18.6982% | 242 |
| Tier 1 risk-based capital ratio | 37.7554% | 256 |
| Total risk-based capital ratio | 39.0068% | 254 |
| Memoranda: | ||
| Average total assets | $408,127,600 | 1,653 |
| Average earning assets | $374,196,600 | 1,663 |
| Average equity | $79,393,000 | 996 |
| Average total loans | $147,040,000 | 2,678 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 4,436 |
| Cost of funding earning assets | 0.0885% | 5,813 |
| Net interest margin | 3.5508% | 3,268 |
| Noninterest income to average assets | 0.6350% | 2,496 |
| Noninterest expense to average assets | 2.7739% | 3,103 |
| Loan and lease loss provision to assets | 0.1395% | 1,681 |
| Net operating income to assets | 0.7379% | 3,653 |
| Return on assets (ROA) | 1.0069% | 2,538 |
| Pretax return on assets | 1.3335% | 2,294 |
| Return on Equity (ROE) | 5.1969% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.1969% | 2,699 |
| Net charge-offs to loans | 0.3652% | 615 |
| Credit loss provision to net charge-offs | 106.2035% | 2,262 |
| Earnings coverage of net charge-offs (x) | 8.5186% | 2,755 |
| Efficiency ratio | 71.2551% | 2,689 |
| Assets per employee ($millions) | 5.5018% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,266 |
| Loan loss allowance to noncurrent loans | 258.1977% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 1,888 |
| Noncurrent loans to loans | 0.5363% | 3,384 |
| Net loans and leases to total assets | 34.6785% | 5,597 |
| Net loans and leases to deposits | 43.1533% | 5,543 |
| Net loans and leases to core deposits | 44.1107% | 5,578 |
| Total domestic deposits to total assets | 80.3612% | 4,425 |
| Equity capital to assets | 19.0794% | 262 |
| Core capital (leverage) ratio | 18.8430% | 240 |
| Tier 1 risk-based capital ratio | 37.6434% | 270 |
| Total risk-based capital ratio | 38.6288% | 273 |
| Memoranda: | ||
| Average total assets | $409,040,500 | 1,656 |
| Average earning assets | $375,309,000 | 1,657 |
| Average equity | $79,250,250 | 1,000 |
| Average total loans | $147,118,500 | 2,686 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 4,522 |
| Cost of funding earning assets | 0.0877% | 5,897 |
| Net interest margin | 3.5367% | 3,343 |
| Noninterest income to average assets | 0.6161% | 2,535 |
| Noninterest expense to average assets | 2.8512% | 2,840 |
| Loan and lease loss provision to assets | 0.1113% | 2,014 |
| Net operating income to assets | 0.6916% | 3,834 |
| Return on assets (ROA) | 1.0629% | 2,235 |
| Pretax return on assets | 1.4291% | 1,911 |
| Return on Equity (ROE) | 5.4570% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.4570% | 2,448 |
| Net charge-offs to loans | 0.5461% | 385 |
| Credit loss provision to net charge-offs | 56.2500% | 2,617 |
| Earnings coverage of net charge-offs (x) | 5.2475% | 2,878 |
| Efficiency ratio | 73.2986% | 2,468 |
| Assets per employee ($millions) | 5.4684% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 3,000 |
| Loan loss allowance to noncurrent loans | 205.6291% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 1,934 |
| Noncurrent loans to loans | 0.6138% | 3,226 |
| Net loans and leases to total assets | 35.0703% | 5,642 |
| Net loans and leases to deposits | 43.7371% | 5,575 |
| Net loans and leases to core deposits | 44.6662% | 5,608 |
| Total domestic deposits to total assets | 80.1843% | 4,499 |
| Equity capital to assets | 19.2765% | 243 |
| Core capital (leverage) ratio | 19.3156% | 215 |
| Tier 1 risk-based capital ratio | 38.8608% | 246 |
| Total risk-based capital ratio | 39.7923% | 249 |
| Memoranda: | ||
| Average total assets | $404,174,000 | 1,671 |
| Average earning assets | $374,136,330 | 1,667 |
| Average equity | $78,724,330 | 1,011 |
| Average total loans | $146,499,670 | 2,696 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,372 |
| Cost of funding earning assets | 0.0889% | 5,957 |
| Net interest margin | 3.5976% | 3,089 |
| Noninterest income to average assets | 0.5802% | 2,638 |
| Noninterest expense to average assets | 2.8138% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8648% | 2,921 |
| Return on assets (ROA) | 0.9045% | 2,858 |
| Pretax return on assets | 1.1494% | 2,893 |
| Return on Equity (ROE) | 4.6187% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.6187% | 3,166 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9087% | 2,810 |
| Assets per employee ($millions) | 5.1801% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,302 |
| Loan loss allowance to noncurrent loans | 221.2812% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,144 |
| Noncurrent loans to loans | 0.6453% | 3,237 |
| Net loans and leases to total assets | 35.2696% | 5,665 |
| Net loans and leases to deposits | 44.1633% | 5,583 |
| Net loans and leases to core deposits | 45.1329% | 5,623 |
| Total domestic deposits to total assets | 79.8619% | 4,775 |
| Equity capital to assets | 19.7212% | 222 |
| Core capital (leverage) ratio | 19.5418% | 212 |
| Tier 1 risk-based capital ratio | 39.0752% | 248 |
| Total risk-based capital ratio | 40.1143% | 248 |
| Memoranda: | ||
| Average total assets | $398,461,000 | 1,695 |
| Average earning assets | $369,134,000 | 1,686 |
| Average equity | $78,030,000 | 1,022 |
| Average total loans | $145,942,000 | 2,705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,627 |
| Cost of funding earning assets | 0.0932% | 5,990 |
| Net interest margin | 3.8292% | 2,271 |
| Noninterest income to average assets | 0.7242% | 2,094 |
| Noninterest expense to average assets | 2.8847% | 2,910 |
| Loan and lease loss provision to assets | 0.0847% | 2,601 |
| Net operating income to assets | 0.9882% | 2,425 |
| Return on assets (ROA) | 1.0256% | 2,313 |
| Pretax return on assets | 1.3309% | 2,162 |
| Return on Equity (ROE) | 5.0070% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.0070% | 2,410 |
| Net charge-offs to loans | 0.0138% | 4,020 |
| Credit loss provision to net charge-offs | 1,642.1053% | 217 |
| Earnings coverage of net charge-offs (x) | 264.9474% | 274 |
| Efficiency ratio | 67.8482% | 3,593 |
| Assets per employee ($millions) | 5.2375% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,579 |
| Loan loss allowance to noncurrent loans | 215.6614% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 3,134 |
| Noncurrent loans to loans | 0.6335% | 3,285 |
| Net loans and leases to total assets | 36.9620% | 5,667 |
| Net loans and leases to deposits | 46.2141% | 5,549 |
| Net loans and leases to core deposits | 47.1588% | 5,596 |
| Total domestic deposits to total assets | 79.9800% | 4,749 |
| Equity capital to assets | 19.4442% | 230 |
| Core capital (leverage) ratio | 19.5722% | 214 |
| Tier 1 risk-based capital ratio | 37.6885% | 264 |
| Total risk-based capital ratio | 38.7025% | 268 |
| Memoranda: | ||
| Average total assets | $368,258,800 | 1,782 |
| Average earning assets | $339,234,400 | 1,788 |
| Average equity | $75,434,200 | 1,014 |
| Average total loans | $138,067,400 | 2,751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,455 |
| Cost of funding earning assets | 0.0948% | 6,076 |
| Net interest margin | 3.8779% | 2,104 |
| Noninterest income to average assets | 0.7516% | 2,014 |
| Noninterest expense to average assets | 3.0109% | 2,488 |
| Loan and lease loss provision to assets | 0.0872% | 2,409 |
| Net operating income to assets | 0.9631% | 2,655 |
| Return on assets (ROA) | 0.9844% | 2,630 |
| Pretax return on assets | 1.2479% | 2,611 |
| Return on Equity (ROE) | 4.7395% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.7395% | 3,100 |
| Net charge-offs to loans | 0.0187% | 3,567 |
| Credit loss provision to net charge-offs | 1,242.1053% | 302 |
| Earnings coverage of net charge-offs (x) | 186.3356% | 383 |
| Efficiency ratio | 69.7125% | 3,255 |
| Assets per employee ($millions) | 4.9240% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,768 |
| Loan loss allowance to noncurrent loans | 223.0682% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 3,268 |
| Noncurrent loans to loans | 0.6114% | 3,483 |
| Net loans and leases to total assets | 37.9375% | 5,708 |
| Net loans and leases to deposits | 48.0182% | 5,566 |
| Net loans and leases to core deposits | 48.8079% | 5,618 |
| Total domestic deposits to total assets | 79.0065% | 4,975 |
| Equity capital to assets | 20.4267% | 215 |
| Core capital (leverage) ratio | 20.1470% | 204 |
| Tier 1 risk-based capital ratio | 37.6975% | 288 |
| Total risk-based capital ratio | 38.6894% | 291 |
| Memoranda: | ||
| Average total assets | $360,810,500 | 1,824 |
| Average earning assets | $331,926,250 | 1,840 |
| Average equity | $74,943,250 | 1,025 |
| Average total loans | $135,292,750 | 2,811 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,539 |
| Cost of funding earning assets | 0.0970% | 6,142 |
| Net interest margin | 3.8418% | 2,166 |
| Noninterest income to average assets | 0.7223% | 2,122 |
| Noninterest expense to average assets | 3.0073% | 2,532 |
| Loan and lease loss provision to assets | 0.0696% | 2,719 |
| Net operating income to assets | 0.9358% | 2,708 |
| Return on assets (ROA) | 0.9469% | 2,769 |
| Pretax return on assets | 1.1927% | 2,807 |
| Return on Equity (ROE) | 4.5323% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.5323% | 3,145 |
| Net charge-offs to loans | 0.0287% | 3,093 |
| Credit loss provision to net charge-offs | 652.6316% | 514 |
| Earnings coverage of net charge-offs (x) | 117.0526% | 535 |
| Efficiency ratio | 70.6674% | 3,228 |
| Assets per employee ($millions) | 4.7715% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 2,807 |
| Loan loss allowance to noncurrent loans | 166.9675% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 4,505 |
| Noncurrent loans to loans | 0.8326% | 3,040 |
| Net loans and leases to total assets | 36.1895% | 5,810 |
| Net loans and leases to deposits | 45.9788% | 5,679 |
| Net loans and leases to core deposits | 46.7773% | 5,731 |
| Total domestic deposits to total assets | 78.7091% | 5,155 |
| Equity capital to assets | 20.7761% | 194 |
| Core capital (leverage) ratio | 20.9005% | 171 |
| Tier 1 risk-based capital ratio | 42.6421% | 225 |
| Total risk-based capital ratio | 43.6929% | 227 |
| Memoranda: | ||
| Average total assets | $356,338,670 | 1,867 |
| Average earning assets | $327,715,000 | 1,877 |
| Average equity | $74,443,670 | 1,035 |
| Average total loans | $132,412,000 | 2,866 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,419 |
| Cost of funding earning assets | 0.1012% | 6,204 |
| Net interest margin | 3.8484% | 2,074 |
| Noninterest income to average assets | 0.6773% | 2,269 |
| Noninterest expense to average assets | 3.1133% | 2,230 |
| Loan and lease loss provision to assets | 0.0057% | 3,633 |
| Net operating income to assets | 0.8838% | 2,825 |
| Return on assets (ROA) | 0.9004% | 2,863 |
| Pretax return on assets | 1.1087% | 3,038 |
| Return on Equity (ROE) | 4.2976% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,435 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9973% | 2,819 |
| Assets per employee ($millions) | 4.6374% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,245 |
| Loan loss allowance to noncurrent loans | 153.9138% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,501 |
| Noncurrent loans to loans | 0.8639% | 3,087 |
| Net loans and leases to total assets | 36.8484% | 5,784 |
| Net loans and leases to deposits | 46.9893% | 5,623 |
| Net loans and leases to core deposits | 47.6948% | 5,681 |
| Total domestic deposits to total assets | 78.4187% | 5,366 |
| Equity capital to assets | 21.1540% | 179 |
| Core capital (leverage) ratio | 20.8747% | 175 |
| Tier 1 risk-based capital ratio | 41.2669% | 244 |
| Total risk-based capital ratio | 42.2434% | 248 |
| Memoranda: | ||
| Average total assets | $353,191,500 | 1,883 |
| Average earning assets | $323,976,500 | 1,904 |
| Average equity | $73,995,000 | 1,044 |
| Average total loans | $132,075,500 | 2,880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,532 |
| Cost of funding earning assets | 0.1212% | 6,242 |
| Net interest margin | 3.9270% | 2,128 |
| Noninterest income to average assets | 0.7745% | 1,972 |
| Noninterest expense to average assets | 3.0507% | 2,686 |
| Loan and lease loss provision to assets | 0.0416% | 3,747 |
| Net operating income to assets | 0.9847% | 2,457 |
| Return on assets (ROA) | 1.1086% | 1,994 |
| Pretax return on assets | 1.4289% | 1,786 |
| Return on Equity (ROE) | 5.3702% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.3702% | 2,356 |
| Net charge-offs to loans | 0.0595% | 3,652 |
| Credit loss provision to net charge-offs | 195.8904% | 1,260 |
| Earnings coverage of net charge-offs (x) | 61.8219% | 772 |
| Efficiency ratio | 69.9354% | 3,536 |
| Assets per employee ($millions) | 4.6571% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 3,338 |
| Loan loss allowance to noncurrent loans | 159.3607% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 4,566 |
| Noncurrent loans to loans | 0.8262% | 3,245 |
| Net loans and leases to total assets | 36.9516% | 5,902 |
| Net loans and leases to deposits | 47.0419% | 5,742 |
| Net loans and leases to core deposits | 47.7881% | 5,821 |
| Total domestic deposits to total assets | 78.5503% | 5,336 |
| Equity capital to assets | 20.7476% | 194 |
| Core capital (leverage) ratio | 20.7487% | 183 |
| Tier 1 risk-based capital ratio | 39.5728% | 245 |
| Total risk-based capital ratio | 40.5138% | 247 |
| Memoranda: | ||
| Average total assets | $344,112,400 | 1,892 |
| Average earning assets | $314,387,600 | 1,908 |
| Average equity | $71,040,400 | 1,034 |
| Average total loans | $122,775,800 | 2,987 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,604 |
| Cost of funding earning assets | 0.1235% | 6,319 |
| Net interest margin | 3.9138% | 2,185 |
| Noninterest income to average assets | 0.7473% | 2,109 |
| Noninterest expense to average assets | 3.1567% | 2,304 |
| Loan and lease loss provision to assets | 0.0277% | 3,851 |
| Net operating income to assets | 0.9008% | 2,912 |
| Return on assets (ROA) | 1.0673% | 2,233 |
| Pretax return on assets | 1.3487% | 2,201 |
| Return on Equity (ROE) | 5.1767% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,975 |
| Net charge-offs to loans | 0.0011% | 4,673 |
| Credit loss provision to net charge-offs | 7,100.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 2,994.4135% | 15 |
| Efficiency ratio | 73.0318% | 2,989 |
| Assets per employee ($millions) | 4.4831% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 3,547 |
| Loan loss allowance to noncurrent loans | 142.1010% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 4,856 |
| Noncurrent loans to loans | 0.9291% | 3,244 |
| Net loans and leases to total assets | 37.7842% | 5,953 |
| Net loans and leases to deposits | 48.2067% | 5,754 |
| Net loans and leases to core deposits | 49.1686% | 5,831 |
| Total domestic deposits to total assets | 78.3795% | 5,451 |
| Equity capital to assets | 20.8751% | 195 |
| Core capital (leverage) ratio | 20.8162% | 179 |
| Tier 1 risk-based capital ratio | 39.4375% | 253 |
| Total risk-based capital ratio | 40.3892% | 255 |
| Memoranda: | ||
| Average total assets | $341,655,750 | 1,913 |
| Average earning assets | $312,086,750 | 1,930 |
| Average equity | $70,442,000 | 1,043 |
| Average total loans | $120,337,000 | 3,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,780 |
| Cost of funding earning assets | 0.1249% | 6,386 |
| Net interest margin | 3.8619% | 2,320 |
| Noninterest income to average assets | 0.7102% | 2,226 |
| Noninterest expense to average assets | 3.1286% | 2,398 |
| Loan and lease loss provision to assets | -0.0141% | 6,240 |
| Net operating income to assets | 0.9186% | 2,711 |
| Return on assets (ROA) | 0.9798% | 2,483 |
| Pretax return on assets | 1.1942% | 2,687 |
| Return on Equity (ROE) | 4.7724% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.7724% | 3,106 |
| Net charge-offs to loans | 0.0017% | 4,339 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | 1,882.0000% | 19 |
| Efficiency ratio | 73.8901% | 2,993 |
| Assets per employee ($millions) | 4.3794% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,268 |
| Loan loss allowance to noncurrent loans | 125.6664% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 4,868 |
| Noncurrent loans to loans | 1.1259% | 2,969 |
| Net loans and leases to total assets | 33.6571% | 6,172 |
| Net loans and leases to deposits | 42.8720% | 6,038 |
| Net loans and leases to core deposits | 43.8371% | 6,069 |
| Total domestic deposits to total assets | 78.5061% | 5,549 |
| Equity capital to assets | 20.8235% | 183 |
| Core capital (leverage) ratio | 21.0330% | 162 |
| Tier 1 risk-based capital ratio | 40.4691% | 234 |
| Total risk-based capital ratio | 41.4064% | 234 |
| Memoranda: | ||
| Average total assets | $340,474,330 | 1,914 |
| Average earning assets | $310,672,330 | 1,936 |
| Average equity | $69,902,330 | 1,042 |
| Average total loans | $116,390,670 | 3,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,730 |
| Cost of funding earning assets | 0.1266% | 6,461 |
| Net interest margin | 3.8634% | 2,219 |
| Noninterest income to average assets | 0.6613% | 2,394 |
| Noninterest expense to average assets | 3.1467% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8730% | 2,776 |
| Return on assets (ROA) | 0.9155% | 2,645 |
| Pretax return on assets | 1.0850% | 2,979 |
| Return on Equity (ROE) | 4.4914% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.4914% | 3,422 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2603% | 2,917 |
| Assets per employee ($millions) | 4.3575% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,373 |
| Loan loss allowance to noncurrent loans | 667.3307% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 6,030 |
| Noncurrent loans to loans | 0.2170% | 5,445 |
| Net loans and leases to total assets | 33.5308% | 6,201 |
| Net loans and leases to deposits | 42.5106% | 6,051 |
| Net loans and leases to core deposits | 43.4150% | 6,103 |
| Total domestic deposits to total assets | 78.8763% | 5,706 |
| Equity capital to assets | 20.5582% | 189 |
| Core capital (leverage) ratio | 20.8267% | 170 |
| Tier 1 risk-based capital ratio | 39.7343% | 239 |
| Total risk-based capital ratio | 40.6804% | 242 |
| Memoranda: | ||
| Average total assets | $339,914,000 | 1,929 |
| Average earning assets | $309,675,500 | 1,950 |
| Average equity | $69,287,500 | 1,051 |
| Average total loans | $116,275,500 | 3,151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,266 |
| Cost of funding earning assets | 0.1441% | 6,561 |
| Net interest margin | 3.8103% | 2,617 |
| Noninterest income to average assets | 0.9223% | 1,603 |
| Noninterest expense to average assets | 3.1686% | 2,521 |
| Loan and lease loss provision to assets | 0.0042% | 5,034 |
| Net operating income to assets | 0.9553% | 2,541 |
| Return on assets (ROA) | 1.1116% | 1,961 |
| Pretax return on assets | 1.3978% | 1,787 |
| Return on Equity (ROE) | 5.4748% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.4748% | 2,291 |
| Net charge-offs to loans | 0.0856% | 4,015 |
| Credit loss provision to net charge-offs | 14.1414% | 4,535 |
| Earnings coverage of net charge-offs (x) | 40.4949% | 933 |
| Efficiency ratio | 72.4202% | 3,395 |
| Assets per employee ($millions) | 4.3582% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 3,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 33.8983% | 6,305 |
| Net loans and leases to deposits | 42.8648% | 6,180 |
| Net loans and leases to core deposits | 43.9964% | 6,225 |
| Total domestic deposits to total assets | 79.0819% | 5,638 |
| Equity capital to assets | 20.2094% | 201 |
| Core capital (leverage) ratio | 20.3526% | 181 |
| Tier 1 risk-based capital ratio | 39.1180% | 242 |
| Total risk-based capital ratio | 40.0598% | 245 |
| Memoranda: | ||
| Average total assets | $332,227,400 | 1,937 |
| Average earning assets | $301,081,600 | 1,973 |
| Average equity | $67,455,000 | 1,064 |
| Average total loans | $115,627,600 | 3,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 4,329 |
| Cost of funding earning assets | 0.1467% | 6,651 |
| Net interest margin | 3.8000% | 2,639 |
| Noninterest income to average assets | 0.9708% | 1,534 |
| Noninterest expense to average assets | 3.2648% | 2,162 |
| Loan and lease loss provision to assets | 0.0170% | 4,673 |
| Net operating income to assets | 0.9088% | 2,789 |
| Return on assets (ROA) | 1.1093% | 2,042 |
| Pretax return on assets | 1.3769% | 2,008 |
| Return on Equity (ROE) | 5.4568% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.4568% | 2,751 |
| Net charge-offs to loans | 0.1122% | 3,421 |
| Credit loss provision to net charge-offs | 43.2990% | 3,645 |
| Earnings coverage of net charge-offs (x) | 29.2784% | 1,256 |
| Efficiency ratio | 74.0117% | 3,070 |
| Assets per employee ($millions) | 4.3630% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 3,579 |
| Loan loss allowance to noncurrent loans | 608.9286% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,116 |
| Noncurrent loans to loans | 0.2417% | 5,633 |
| Net loans and leases to total assets | 33.5401% | 6,386 |
| Net loans and leases to deposits | 42.2971% | 6,289 |
| Net loans and leases to core deposits | 43.4030% | 6,330 |
| Total domestic deposits to total assets | 79.2965% | 5,677 |
| Equity capital to assets | 19.9521% | 215 |
| Core capital (leverage) ratio | 20.4454% | 187 |
| Tier 1 risk-based capital ratio | 39.6303% | 244 |
| Total risk-based capital ratio | 40.6149% | 245 |
| Memoranda: | ||
| Average total assets | $330,299,250 | 1,963 |
| Average earning assets | $299,045,750 | 1,990 |
| Average equity | $67,143,750 | 1,074 |
| Average total loans | $115,307,250 | 3,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 4,195 |
| Cost of funding earning assets | 0.1488% | 6,715 |
| Net interest margin | 3.8298% | 2,447 |
| Noninterest income to average assets | 1.0270% | 1,444 |
| Noninterest expense to average assets | 3.3619% | 1,903 |
| Loan and lease loss provision to assets | 0.0257% | 4,404 |
| Net operating income to assets | 0.8794% | 2,910 |
| Return on assets (ROA) | 1.1696% | 1,778 |
| Pretax return on assets | 1.4656% | 1,723 |
| Return on Equity (ROE) | 5.7167% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.7167% | 2,600 |
| Net charge-offs to loans | 0.0903% | 3,464 |
| Credit loss provision to net charge-offs | 80.7692% | 2,611 |
| Earnings coverage of net charge-offs (x) | 35.4808% | 1,021 |
| Efficiency ratio | 74.8672% | 2,968 |
| Assets per employee ($millions) | 4.1250% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,398 |
| Loan loss allowance to noncurrent loans | 545.1713% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,023 |
| Noncurrent loans to loans | 0.2827% | 5,595 |
| Net loans and leases to total assets | 34.3006% | 6,398 |
| Net loans and leases to deposits | 43.5792% | 6,250 |
| Net loans and leases to core deposits | 44.9811% | 6,287 |
| Total domestic deposits to total assets | 78.7086% | 5,849 |
| Equity capital to assets | 20.5239% | 183 |
| Core capital (leverage) ratio | 20.7353% | 154 |
| Tier 1 risk-based capital ratio | 39.4852% | 244 |
| Total risk-based capital ratio | 40.5045% | 239 |
| Memoranda: | ||
| Average total assets | $326,960,670 | 1,985 |
| Average earning assets | $295,681,670 | 2,009 |
| Average equity | $66,891,670 | 1,079 |
| Average total loans | $115,127,330 | 3,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 4,230 |
| Cost of funding earning assets | 0.1524% | 6,791 |
| Net interest margin | 3.8192% | 2,380 |
| Noninterest income to average assets | 0.9270% | 1,667 |
| Noninterest expense to average assets | 3.3575% | 1,934 |
| Loan and lease loss provision to assets | 0.0012% | 4,402 |
| Net operating income to assets | 0.8518% | 2,895 |
| Return on assets (ROA) | 1.0394% | 2,184 |
| Pretax return on assets | 1.2519% | 2,406 |
| Return on Equity (ROE) | 5.0885% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.0885% | 3,182 |
| Net charge-offs to loans | 0.0380% | 3,497 |
| Credit loss provision to net charge-offs | 9.0909% | 3,155 |
| Earnings coverage of net charge-offs (x) | 76.4545% | 485 |
| Efficiency ratio | 76.5738% | 2,832 |
| Assets per employee ($millions) | 4.1381% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,498 |
| Loan loss allowance to noncurrent loans | 650.5576% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 6,043 |
| Noncurrent loans to loans | 0.2424% | 5,809 |
| Net loans and leases to total assets | 33.4135% | 6,446 |
| Net loans and leases to deposits | 42.4282% | 6,294 |
| Net loans and leases to core deposits | 43.7340% | 6,322 |
| Total domestic deposits to total assets | 78.7531% | 6,003 |
| Equity capital to assets | 20.5761% | 197 |
| Core capital (leverage) ratio | 20.5489% | 169 |
| Tier 1 risk-based capital ratio | 37.9273% | 271 |
| Total risk-based capital ratio | 38.9219% | 270 |
| Memoranda: | ||
| Average total assets | $327,502,000 | 2,012 |
| Average earning assets | $296,498,500 | 2,027 |
| Average equity | $66,896,000 | 1,091 |
| Average total loans | $115,927,000 | 3,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 4,395 |
| Cost of funding earning assets | 0.1865% | 6,863 |
| Net interest margin | 4.0640% | 2,139 |
| Noninterest income to average assets | 1.1105% | 1,254 |
| Noninterest expense to average assets | 3.2647% | 2,441 |
| Loan and lease loss provision to assets | 0.0144% | 5,727 |
| Net operating income to assets | 1.1434% | 1,793 |
| Return on assets (ROA) | 1.3697% | 1,276 |
| Pretax return on assets | 1.7837% | 948 |
| Return on Equity (ROE) | 6.8224% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.8224% | 1,658 |
| Net charge-offs to loans | 0.0550% | 5,159 |
| Credit loss provision to net charge-offs | 75.4098% | 3,993 |
| Earnings coverage of net charge-offs (x) | 78.8689% | 485 |
| Efficiency ratio | 68.4587% | 4,062 |
| Assets per employee ($millions) | 4.2609% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,918 |
| Loan loss allowance to noncurrent loans | 400.0000% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,159 |
| Noncurrent loans to loans | 0.3640% | 5,575 |
| Net loans and leases to total assets | 36.3043% | 6,411 |
| Net loans and leases to deposits | 45.9491% | 6,256 |
| Net loans and leases to core deposits | 47.2308% | 6,313 |
| Total domestic deposits to total assets | 79.0098% | 5,888 |
| Equity capital to assets | 20.2767% | 215 |
| Core capital (leverage) ratio | 19.9060% | 198 |
| Tier 1 risk-based capital ratio | 35.2300% | 338 |
| Total risk-based capital ratio | 36.1712% | 342 |
| Memoranda: | ||
| Average total assets | $319,841,800 | 2,008 |
| Average earning assets | $287,917,200 | 2,057 |
| Average equity | $64,215,400 | 1,103 |
| Average total loans | $110,820,800 | 3,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 4,489 |
| Cost of funding earning assets | 0.1937% | 6,962 |
| Net interest margin | 4.0957% | 2,107 |
| Noninterest income to average assets | 1.0892% | 1,270 |
| Noninterest expense to average assets | 3.3360% | 2,170 |
| Loan and lease loss provision to assets | 0.0029% | 5,765 |
| Net operating income to assets | 1.0974% | 2,098 |
| Return on assets (ROA) | 1.3737% | 1,418 |
| Pretax return on assets | 1.7911% | 1,069 |
| Return on Equity (ROE) | 6.8595% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.8595% | 2,202 |
| Net charge-offs to loans | 0.0394% | 5,101 |
| Credit loss provision to net charge-offs | 21.8750% | 4,927 |
| Earnings coverage of net charge-offs (x) | 106.8952% | 397 |
| Efficiency ratio | 69.9173% | 3,700 |
| Assets per employee ($millions) | 4.2781% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,823 |
| Loan loss allowance to noncurrent loans | 940.8602% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 6,524 |
| Noncurrent loans to loans | 0.1624% | 6,207 |
| Net loans and leases to total assets | 33.7877% | 6,666 |
| Net loans and leases to deposits | 43.0484% | 6,553 |
| Net loans and leases to core deposits | 44.6780% | 6,569 |
| Total domestic deposits to total assets | 78.4878% | 5,970 |
| Equity capital to assets | 19.5981% | 255 |
| Core capital (leverage) ratio | 19.9615% | 206 |
| Tier 1 risk-based capital ratio | 35.3416% | 344 |
| Total risk-based capital ratio | 36.2965% | 348 |
| Memoranda: | ||
| Average total assets | $317,779,500 | 2,044 |
| Average earning assets | $285,688,250 | 2,096 |
| Average equity | $63,637,750 | 1,125 |
| Average total loans | $108,308,250 | 3,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 4,671 |
| Cost of funding earning assets | 0.2049% | 7,023 |
| Net interest margin | 4.0686% | 2,216 |
| Noninterest income to average assets | 1.0433% | 1,337 |
| Noninterest expense to average assets | 3.4384% | 1,939 |
| Loan and lease loss provision to assets | -0.0186% | 7,040 |
| Net operating income to assets | 1.0127% | 2,415 |
| Return on assets (ROA) | 1.2129% | 1,865 |
| Pretax return on assets | 1.5220% | 1,798 |
| Return on Equity (ROE) | 6.0110% | 4,324 |
| Retained earnings to average equity (ytd only) | 6.0110% | 2,710 |
| Net charge-offs to loans | 0.0151% | 5,214 |
| Credit loss provision to net charge-offs | -362.5000% | 6,232 |
| Earnings coverage of net charge-offs (x) | 244.7500% | 177 |
| Efficiency ratio | 73.2879% | 3,195 |
| Assets per employee ($millions) | 4.1486% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 3,551 |
| Loan loss allowance to noncurrent loans | 653.3835% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 6,379 |
| Noncurrent loans to loans | 0.2472% | 6,083 |
| Net loans and leases to total assets | 33.1428% | 6,762 |
| Net loans and leases to deposits | 41.8509% | 6,657 |
| Net loans and leases to core deposits | 43.3793% | 6,685 |
| Total domestic deposits to total assets | 79.1925% | 5,923 |
| Equity capital to assets | 20.0675% | 236 |
| Core capital (leverage) ratio | 20.5743% | 179 |
| Tier 1 risk-based capital ratio | 35.7118% | 322 |
| Total risk-based capital ratio | 36.6908% | 328 |
| Memoranda: | ||
| Average total assets | $312,474,330 | 2,075 |
| Average earning assets | $280,193,670 | 2,124 |
| Average equity | $63,051,000 | 1,125 |
| Average total loans | $106,245,000 | 3,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 4,923 |
| Cost of funding earning assets | 0.2160% | 7,077 |
| Net interest margin | 4.0345% | 2,353 |
| Noninterest income to average assets | 1.0253% | 1,359 |
| Noninterest expense to average assets | 3.4564% | 1,854 |
| Loan and lease loss provision to assets | -0.0492% | 7,142 |
| Net operating income to assets | 1.0512% | 2,280 |
| Return on assets (ROA) | 1.0512% | 2,471 |
| Pretax return on assets | 1.2453% | 2,744 |
| Return on Equity (ROE) | 5.1948% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.1948% | 3,443 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2905% | 3,052 |
| Assets per employee ($millions) | 3.9910% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,410 |
| Loan loss allowance to noncurrent loans | 152.5022% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 5,971 |
| Noncurrent loans to loans | 1.1047% | 4,488 |
| Net loans and leases to total assets | 32.5628% | 6,797 |
| Net loans and leases to deposits | 41.1538% | 6,698 |
| Net loans and leases to core deposits | 42.5610% | 6,717 |
| Total domestic deposits to total assets | 79.1246% | 6,047 |
| Equity capital to assets | 20.2197% | 217 |
| Core capital (leverage) ratio | 20.2293% | 192 |
| Tier 1 risk-based capital ratio | 34.8128% | 344 |
| Total risk-based capital ratio | 35.7833% | 344 |
| Memoranda: | ||
| Average total assets | $308,990,500 | 2,107 |
| Average earning assets | $277,802,500 | 2,140 |
| Average equity | $62,524,500 | 1,135 |
| Average total loans | $105,562,500 | 3,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 4,774 |
| Cost of funding earning assets | 0.2795% | 7,139 |
| Net interest margin | 4.2951% | 1,712 |
| Noninterest income to average assets | 0.9399% | 1,536 |
| Noninterest expense to average assets | 3.4536% | 2,109 |
| Loan and lease loss provision to assets | -0.0179% | 7,223 |
| Net operating income to assets | 1.0847% | 1,880 |
| Return on assets (ROA) | 1.2036% | 1,613 |
| Pretax return on assets | 1.5006% | 1,467 |
| Return on Equity (ROE) | 6.1712% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.1712% | 1,919 |
| Net charge-offs to loans | 0.0727% | 5,589 |
| Credit loss provision to net charge-offs | -66.2651% | 6,679 |
| Earnings coverage of net charge-offs (x) | 49.3012% | 569 |
| Efficiency ratio | 72.1367% | 3,548 |
| Assets per employee ($millions) | 4.0353% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,406 |
| Loan loss allowance to noncurrent loans | 334.9057% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 6,519 |
| Noncurrent loans to loans | 0.4906% | 5,730 |
| Net loans and leases to total assets | 34.6435% | 6,839 |
| Net loans and leases to deposits | 43.8775% | 6,725 |
| Net loans and leases to core deposits | 45.4569% | 6,753 |
| Total domestic deposits to total assets | 78.9550% | 6,004 |
| Equity capital to assets | 20.2507% | 219 |
| Core capital (leverage) ratio | 19.9144% | 206 |
| Tier 1 risk-based capital ratio | 35.5377% | 318 |
| Total risk-based capital ratio | 36.5634% | 322 |
| Memoranda: | ||
| Average total assets | $306,748,400 | 2,083 |
| Average earning assets | $274,804,200 | 2,135 |
| Average equity | $59,826,400 | 1,126 |
| Average total loans | $114,204,200 | 3,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 4,850 |
| Cost of funding earning assets | 0.2941% | 7,219 |
| Net interest margin | 4.3098% | 1,682 |
| Noninterest income to average assets | 0.8775% | 1,729 |
| Noninterest expense to average assets | 3.5609% | 1,790 |
| Loan and lease loss provision to assets | -0.0078% | 7,298 |
| Net operating income to assets | 0.9746% | 2,412 |
| Return on assets (ROA) | 1.1335% | 1,989 |
| Pretax return on assets | 1.3773% | 2,018 |
| Return on Equity (ROE) | 5.8681% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.8681% | 2,636 |
| Net charge-offs to loans | 0.0806% | 5,171 |
| Credit loss provision to net charge-offs | -25.7143% | 6,440 |
| Earnings coverage of net charge-offs (x) | 38.6433% | 790 |
| Efficiency ratio | 75.1789% | 2,976 |
| Assets per employee ($millions) | 3.9456% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 3,606 |
| Loan loss allowance to noncurrent loans | 572.1003% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,799 |
| Noncurrent loans to loans | 0.2817% | 6,292 |
| Net loans and leases to total assets | 36.2022% | 6,859 |
| Net loans and leases to deposits | 45.9121% | 6,742 |
| Net loans and leases to core deposits | 47.6444% | 6,772 |
| Total domestic deposits to total assets | 78.8510% | 6,018 |
| Equity capital to assets | 19.8210% | 252 |
| Core capital (leverage) ratio | 19.6219% | 231 |
| Tier 1 risk-based capital ratio | 35.1749% | 350 |
| Total risk-based capital ratio | 36.2375% | 347 |
| Memoranda: | ||
| Average total assets | $306,765,250 | 2,089 |
| Average earning assets | $274,684,750 | 2,138 |
| Average equity | $59,256,750 | 1,142 |
| Average total loans | $115,750,250 | 3,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 4,934 |
| Cost of funding earning assets | 0.3130% | 7,289 |
| Net interest margin | 4.2938% | 1,684 |
| Noninterest income to average assets | 0.8282% | 1,898 |
| Noninterest expense to average assets | 3.5805% | 1,785 |
| Loan and lease loss provision to assets | 0.0052% | 6,185 |
| Net operating income to assets | 0.9156% | 2,567 |
| Return on assets (ROA) | 1.0828% | 2,021 |
| Pretax return on assets | 1.2831% | 2,193 |
| Return on Equity (ROE) | 5.6548% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.6548% | 2,619 |
| Net charge-offs to loans | 0.1218% | 4,500 |
| Credit loss provision to net charge-offs | 11.2676% | 5,233 |
| Earnings coverage of net charge-offs (x) | 23.5070% | 1,088 |
| Efficiency ratio | 76.6737% | 2,906 |
| Assets per employee ($millions) | 3.8458% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,595 |
| Loan loss allowance to noncurrent loans | 159.3454% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 6,174 |
| Noncurrent loans to loans | 1.0209% | 4,952 |
| Net loans and leases to total assets | 36.8212% | 6,920 |
| Net loans and leases to deposits | 46.2927% | 6,809 |
| Net loans and leases to core deposits | 48.0487% | 6,856 |
| Total domestic deposits to total assets | 79.5400% | 5,946 |
| Equity capital to assets | 19.7030% | 277 |
| Core capital (leverage) ratio | 19.6272% | 244 |
| Tier 1 risk-based capital ratio | 35.0716% | 344 |
| Total risk-based capital ratio | 36.1627% | 343 |
| Memoranda: | ||
| Average total assets | $306,435,330 | 2,106 |
| Average earning assets | $274,162,000 | 2,149 |
| Average equity | $58,675,670 | 1,142 |
| Average total loans | $116,587,330 | 3,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 5,147 |
| Cost of funding earning assets | 0.3370% | 7,338 |
| Net interest margin | 4.2192% | 1,838 |
| Noninterest income to average assets | 0.8046% | 2,016 |
| Noninterest expense to average assets | 3.5588% | 1,853 |
| Loan and lease loss provision to assets | 0.0494% | 5,382 |
| Net operating income to assets | 0.8960% | 2,581 |
| Return on assets (ROA) | 0.9007% | 2,620 |
| Pretax return on assets | 0.9774% | 3,211 |
| Return on Equity (ROE) | 4.7725% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.7725% | 3,320 |
| Net charge-offs to loans | 0.2542% | 3,061 |
| Credit loss provision to net charge-offs | 50.6667% | 3,735 |
| Earnings coverage of net charge-offs (x) | 10.4800% | 1,631 |
| Efficiency ratio | 77.6958% | 2,893 |
| Assets per employee ($millions) | 3.8958% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,618 |
| Loan loss allowance to noncurrent loans | 170.7006% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 5,991 |
| Noncurrent loans to loans | 0.9538% | 5,128 |
| Net loans and leases to total assets | 36.8299% | 6,964 |
| Net loans and leases to deposits | 46.1971% | 6,831 |
| Net loans and leases to core deposits | 47.9192% | 6,880 |
| Total domestic deposits to total assets | 79.7233% | 6,012 |
| Equity capital to assets | 18.9962% | 307 |
| Core capital (leverage) ratio | 19.2916% | 257 |
| Tier 1 risk-based capital ratio | 33.6234% | 388 |
| Total risk-based capital ratio | 34.7017% | 386 |
| Memoranda: | ||
| Average total assets | $307,744,500 | 2,111 |
| Average earning assets | $275,409,500 | 2,154 |
| Average equity | $58,083,000 | 1,140 |
| Average total loans | $118,021,500 | 3,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 4,452 |
| Cost of funding earning assets | 0.4550% | 7,360 |
| Net interest margin | 4.5650% | 1,091 |
| Noninterest income to average assets | 1.0692% | 1,309 |
| Noninterest expense to average assets | 3.5704% | 2,000 |
| Loan and lease loss provision to assets | -0.0054% | 7,570 |
| Net operating income to assets | 1.2451% | 1,305 |
| Return on assets (ROA) | 1.3532% | 1,116 |
| Pretax return on assets | 1.6988% | 940 |
| Return on Equity (ROE) | 7.1956% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.1956% | 1,239 |
| Net charge-offs to loans | 0.1347% | 5,566 |
| Credit loss provision to net charge-offs | -9.3567% | 6,985 |
| Earnings coverage of net charge-offs (x) | 27.0526% | 805 |
| Efficiency ratio | 69.6158% | 4,262 |
| Assets per employee ($millions) | 3.8952% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,649 |
| Loan loss allowance to noncurrent loans | 169.1424% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 6,165 |
| Noncurrent loans to loans | 0.9361% | 5,178 |
| Net loans and leases to total assets | 38.6400% | 7,043 |
| Net loans and leases to deposits | 49.2438% | 6,892 |
| Net loans and leases to core deposits | 50.9751% | 6,946 |
| Total domestic deposits to total assets | 78.4669% | 6,224 |
| Equity capital to assets | 18.7513% | 329 |
| Core capital (leverage) ratio | 18.8862% | 285 |
| Tier 1 risk-based capital ratio | 32.4094% | 419 |
| Total risk-based capital ratio | 33.4819% | 414 |
| Memoranda: | ||
| Average total assets | $296,857,600 | 2,168 |
| Average earning assets | $263,984,000 | 2,222 |
| Average equity | $55,826,000 | 1,190 |
| Average total loans | $126,902,200 | 3,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 4,606 |
| Cost of funding earning assets | 0.4765% | 7,478 |
| Net interest margin | 4.5687% | 1,112 |
| Noninterest income to average assets | 1.0321% | 1,363 |
| Noninterest expense to average assets | 3.6748% | 1,624 |
| Loan and lease loss provision to assets | -0.0399% | 7,688 |
| Net operating income to assets | 1.1723% | 1,667 |
| Return on assets (ROA) | 1.3195% | 1,373 |
| Pretax return on assets | 1.6341% | 1,263 |
| Return on Equity (ROE) | 7.0113% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.0113% | 1,839 |
| Net charge-offs to loans | 0.0903% | 5,621 |
| Credit loss provision to net charge-offs | -101.1494% | 6,912 |
| Earnings coverage of net charge-offs (x) | 35.8152% | 759 |
| Efficiency ratio | 72.2356% | 3,652 |
| Assets per employee ($millions) | 3.8762% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,667 |
| Loan loss allowance to noncurrent loans | 135.8504% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 6,130 |
| Noncurrent loans to loans | 1.1543% | 4,932 |
| Net loans and leases to total assets | 39.9656% | 7,075 |
| Net loans and leases to deposits | 49.9795% | 7,011 |
| Net loans and leases to core deposits | 52.2374% | 7,039 |
| Total domestic deposits to total assets | 79.9639% | 5,723 |
| Equity capital to assets | 18.8483% | 358 |
| Core capital (leverage) ratio | 18.8015% | 312 |
| Tier 1 risk-based capital ratio | 32.5993% | 415 |
| Total risk-based capital ratio | 33.7061% | 412 |
| Memoranda: | ||
| Average total assets | $294,142,750 | 2,224 |
| Average earning assets | $261,076,250 | 2,285 |
| Average equity | $55,357,250 | 1,205 |
| Average total loans | $128,424,000 | 3,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 4,489 |
| Cost of funding earning assets | 0.4970% | 7,549 |
| Net interest margin | 4.5979% | 1,003 |
| Noninterest income to average assets | 0.8147% | 2,045 |
| Noninterest expense to average assets | 3.7192% | 1,515 |
| Loan and lease loss provision to assets | -0.1029% | 7,770 |
| Net operating income to assets | 1.0501% | 2,016 |
| Return on assets (ROA) | 1.2752% | 1,430 |
| Pretax return on assets | 1.5490% | 1,439 |
| Return on Equity (ROE) | 6.7792% | 3,403 |
| Retained earnings to average equity (ytd only) | 6.7792% | 1,936 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0455% | 3,068 |
| Assets per employee ($millions) | 3.7462% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,784 |
| Loan loss allowance to noncurrent loans | 154.8848% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,383 |
| Noncurrent loans to loans | 0.9862% | 5,333 |
| Net loans and leases to total assets | 42.4773% | 7,008 |
| Net loans and leases to deposits | 53.0682% | 6,921 |
| Net loans and leases to core deposits | 54.9408% | 6,995 |
| Total domestic deposits to total assets | 80.0430% | 5,711 |
| Equity capital to assets | 18.8247% | 356 |
| Core capital (leverage) ratio | 19.0793% | 287 |
| Tier 1 risk-based capital ratio | 29.6731% | 526 |
| Total risk-based capital ratio | 30.7126% | 521 |
| Memoranda: | ||
| Average total assets | $291,410,330 | 2,257 |
| Average earning assets | $258,335,670 | 2,324 |
| Average equity | $54,814,330 | 1,209 |
| Average total loans | $130,313,000 | 3,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 4,879 |
| Cost of funding earning assets | 0.5085% | 7,663 |
| Net interest margin | 4.5218% | 1,096 |
| Noninterest income to average assets | 0.7512% | 2,293 |
| Noninterest expense to average assets | 3.8417% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7938% | 2,994 |
| Return on assets (ROA) | 1.2271% | 1,545 |
| Pretax return on assets | 1.4180% | 1,722 |
| Return on Equity (ROE) | 6.5261% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.5261% | 2,355 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6798% | 2,458 |
| Assets per employee ($millions) | 3.7397% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,341 |
| Loan loss allowance to noncurrent loans | 147.8873% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 6,250 |
| Noncurrent loans to loans | 1.1000% | 5,155 |
| Net loans and leases to total assets | 42.9821% | 7,062 |
| Net loans and leases to deposits | 53.4500% | 6,953 |
| Net loans and leases to core deposits | 56.3546% | 6,971 |
| Total domestic deposits to total assets | 80.4156% | 5,649 |
| Equity capital to assets | 18.5097% | 375 |
| Core capital (leverage) ratio | 19.1994% | 301 |
| Tier 1 risk-based capital ratio | 28.5413% | 599 |
| Total risk-based capital ratio | 29.6375% | 598 |
| Memoranda: | ||
| Average total assets | $289,142,500 | 2,318 |
| Average earning assets | $256,447,500 | 2,388 |
| Average equity | $54,366,000 | 1,228 |
| Average total loans | $131,639,500 | 3,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 3,888 |
| Cost of funding earning assets | 0.6818% | 7,705 |
| Net interest margin | 4.8656% | 607 |
| Noninterest income to average assets | 1.1319% | 1,203 |
| Noninterest expense to average assets | 3.6289% | 2,080 |
| Loan and lease loss provision to assets | 0.1642% | 6,047 |
| Net operating income to assets | 1.2785% | 1,078 |
| Return on assets (ROA) | 1.4049% | 903 |
| Pretax return on assets | 1.7906% | 648 |
| Return on Equity (ROE) | 7.5640% | 2,557 |
| Retained earnings to average equity (ytd only) | 7.5640% | 814 |
| Net charge-offs to loans | 0.0475% | 6,630 |
| Credit loss provision to net charge-offs | 689.5522% | 421 |
| Earnings coverage of net charge-offs (x) | 75.2687% | 360 |
| Efficiency ratio | 66.9333% | 5,200 |
| Assets per employee ($millions) | 3.4919% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 3,419 |
| Loan loss allowance to noncurrent loans | 302.1583% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 6,688 |
| Noncurrent loans to loans | 0.5179% | 6,214 |
| Net loans and leases to total assets | 46.7014% | 6,920 |
| Net loans and leases to deposits | 58.6410% | 6,733 |
| Net loans and leases to core deposits | 69.5142% | 6,801 |
| Total domestic deposits to total assets | 79.6395% | 5,796 |
| Equity capital to assets | 19.1083% | 352 |
| Core capital (leverage) ratio | 18.8935% | 345 |
| Tier 1 risk-based capital ratio | 27.4509% | 672 |
| Total risk-based capital ratio | 28.5227% | 670 |
| Memoranda: | ||
| Average total assets | $281,300,200 | 2,339 |
| Average earning assets | $248,006,200 | 2,422 |
| Average equity | $52,247,800 | 1,273 |
| Average total loans | $141,152,400 | 3,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 3,978 |
| Cost of funding earning assets | 0.7229% | 7,788 |
| Net interest margin | 4.8565% | 613 |
| Noninterest income to average assets | 1.2122% | 1,050 |
| Noninterest expense to average assets | 3.6641% | 1,905 |
| Loan and lease loss provision to assets | 0.2169% | 5,247 |
| Net operating income to assets | 1.2571% | 1,325 |
| Return on assets (ROA) | 1.3760% | 1,135 |
| Pretax return on assets | 1.7628% | 865 |
| Return on Equity (ROE) | 7.4621% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.4621% | 1,324 |
| Net charge-offs to loans | 0.0625% | 6,076 |
| Credit loss provision to net charge-offs | 682.0896% | 549 |
| Earnings coverage of net charge-offs (x) | 57.4635% | 571 |
| Efficiency ratio | 66.7243% | 5,242 |
| Assets per employee ($millions) | 3.5534% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,373 |
| Loan loss allowance to noncurrent loans | 348.0066% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 6,800 |
| Noncurrent loans to loans | 0.4344% | 6,465 |
| Net loans and leases to total assets | 48.0169% | 6,956 |
| Net loans and leases to deposits | 59.9657% | 6,831 |
| Net loans and leases to core deposits | 72.1753% | 6,839 |
| Total domestic deposits to total assets | 80.0739% | 5,405 |
| Equity capital to assets | 18.6379% | 450 |
| Core capital (leverage) ratio | 18.4126% | 425 |
| Tier 1 risk-based capital ratio | 26.8735% | 755 |
| Total risk-based capital ratio | 27.9411% | 748 |
| Memoranda: | ||
| Average total assets | $280,913,750 | 2,356 |
| Average earning assets | $247,523,000 | 2,446 |
| Average equity | $51,798,000 | 1,302 |
| Average total loans | $142,892,250 | 3,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,937 |
| Cost of funding earning assets | 0.7605% | 7,863 |
| Net interest margin | 4.8644% | 582 |
| Noninterest income to average assets | 1.3346% | 861 |
| Noninterest expense to average assets | 3.7235% | 1,789 |
| Loan and lease loss provision to assets | 0.0272% | 6,971 |
| Net operating income to assets | 1.4140% | 992 |
| Return on assets (ROA) | 1.4189% | 1,054 |
| Pretax return on assets | 1.8742% | 733 |
| Return on Equity (ROE) | 7.7233% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.7233% | 1,305 |
| Net charge-offs to loans | 0.0083% | 6,461 |
| Credit loss provision to net charge-offs | 633.3333% | 736 |
| Earnings coverage of net charge-offs (x) | 441.8333% | 77 |
| Efficiency ratio | 66.2723% | 5,506 |
| Assets per employee ($millions) | 3.6357% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,744 |
| Loan loss allowance to noncurrent loans | 472.0109% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 7,143 |
| Noncurrent loans to loans | 0.2607% | 6,870 |
| Net loans and leases to total assets | 49.1715% | 6,944 |
| Net loans and leases to deposits | 61.3113% | 6,794 |
| Net loans and leases to core deposits | 73.8491% | 6,802 |
| Total domestic deposits to total assets | 80.1997% | 5,397 |
| Equity capital to assets | 18.5128% | 504 |
| Core capital (leverage) ratio | 18.8620% | 433 |
| Tier 1 risk-based capital ratio | 27.3836% | 752 |
| Total risk-based capital ratio | 28.3014% | 760 |
| Memoranda: | ||
| Average total assets | $279,793,330 | 2,375 |
| Average earning assets | $246,403,000 | 2,466 |
| Average equity | $51,403,000 | 1,330 |
| Average total loans | $144,324,670 | 3,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8253% | 3,170 |
| Cost of funding earning assets | 0.8338% | 7,877 |
| Net interest margin | 4.9915% | 405 |
| Noninterest income to average assets | 1.2868% | 861 |
| Noninterest expense to average assets | 3.7151% | 1,623 |
| Loan and lease loss provision to assets | 0.0202% | 6,642 |
| Net operating income to assets | 1.4279% | 1,081 |
| Return on assets (ROA) | 1.4279% | 1,166 |
| Pretax return on assets | 1.9288% | 754 |
| Return on Equity (ROE) | 7.8027% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.8027% | 1,891 |
| Net charge-offs to loans | 0.0165% | 5,346 |
| Credit loss provision to net charge-offs | 233.3333% | 1,969 |
| Earnings coverage of net charge-offs (x) | 225.6667% | 190 |
| Efficiency ratio | 65.5909% | 5,407 |
| Assets per employee ($millions) | 3.4352% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 4,944 |
| Loan loss allowance to noncurrent loans | 946.4088% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 7,340 |
| Noncurrent loans to loans | 0.1245% | 7,165 |
| Net loans and leases to total assets | 52.9468% | 6,583 |
| Net loans and leases to deposits | 66.3300% | 6,348 |
| Net loans and leases to core deposits | 78.4989% | 6,500 |
| Total domestic deposits to total assets | 79.8233% | 5,424 |
| Equity capital to assets | 18.9805% | 503 |
| Core capital (leverage) ratio | 18.5610% | 489 |
| Tier 1 risk-based capital ratio | 27.3380% | 796 |
| Total risk-based capital ratio | 28.2593% | 799 |
| Memoranda: | ||
| Average total assets | $277,896,500 | 2,405 |
| Average earning assets | $243,695,500 | 2,504 |
| Average equity | $50,854,500 | 1,348 |
| Average total loans | $145,896,500 | 3,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2354% | 4,326 |
| Cost of funding earning assets | 1.4423% | 7,692 |
| Net interest margin | 4.7931% | 788 |
| Noninterest income to average assets | 0.7766% | 2,637 |
| Noninterest expense to average assets | 3.4073% | 2,652 |
| Loan and lease loss provision to assets | 0.0762% | 6,448 |
| Net operating income to assets | 1.1282% | 2,035 |
| Return on assets (ROA) | 1.1430% | 1,893 |
| Pretax return on assets | 1.5557% | 1,523 |
| Return on Equity (ROE) | 6.4055% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.4055% | 1,363 |
| Net charge-offs to loans | 0.1206% | 5,043 |
| Credit loss provision to net charge-offs | 116.3842% | 4,634 |
| Earnings coverage of net charge-offs (x) | 24.6215% | 1,369 |
| Efficiency ratio | 67.8898% | 4,741 |
| Assets per employee ($millions) | 3.7922% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,817 |
| Loan loss allowance to noncurrent loans | 69.9918% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 4,203 |
| Noncurrent loans to loans | 1.6640% | 3,273 |
| Net loans and leases to total assets | 50.8725% | 6,947 |
| Net loans and leases to deposits | 68.6358% | 6,403 |
| Net loans and leases to core deposits | 82.4152% | 6,423 |
| Total domestic deposits to total assets | 74.1195% | 6,640 |
| Equity capital to assets | 17.6503% | 697 |
| Core capital (leverage) ratio | 17.8632% | 619 |
| Tier 1 risk-based capital ratio | 26.2197% | 887 |
| Total risk-based capital ratio | 27.1167% | 892 |
| Memoranda: | ||
| Average total assets | $270,420,400 | 2,382 |
| Average earning assets | $239,342,800 | 2,461 |
| Average equity | $48,255,400 | 1,422 |
| Average total loans | $146,795,400 | 2,982 |