Home > Northstar Bank > Performance and Condition Ratios
Northstar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 1,208 |
| Cost of funding earning assets | 1.5050% | 1,928 |
| Net interest margin | 3.9638% | 1,260 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4953% | 2,309 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4309% | 1,156 |
| Return on assets (ROA) | 1.4329% | 1,122 |
| Pretax return on assets | 1.7901% | 902 |
| Return on Equity (ROE) | 17.0700% | 938 |
| Retained earnings to average equity (ytd only) | 9.2100% | 1,206 |
| Net charge-offs to loans | 0.0100% | 2,277 |
| Credit loss provision to net charge-offs | 761.0390% | 496 |
| Earnings coverage of net charge-offs (x) | 224.9481% | 542 |
| Efficiency ratio | 57.4234% | 3,352 |
| Assets per employee ($millions) | 6.7294% | 2,250 |
| Cash dividends to net income (ytd only)* | 46.0306% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,479 |
| Loan loss allowance to noncurrent loans | 1,509.2257% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 1,169 |
| Noncurrent loans to loans | 0.0772% | 3,168 |
| Net loans and leases to total assets | 80.7800% | 557 |
| Net loans and leases to deposits | 90.4341% | 1,231 |
| Net loans and leases to core deposits | 97.0727% | 1,589 |
| Total domestic deposits to total assets | 89.3300% | 971 |
| Equity capital to assets | 8.5581% | 3,006 |
| Core capital (leverage) ratio | 9.1425% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $936,187,800 | 1,047 |
| Average earning assets | $873,670,800 | 1,028 |
| Average equity | $78,610,200 | 1,145 |
| Average total loans | $769,014,600 | 892 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 1,134 |
| Cost of funding earning assets | 1.4035% | 1,858 |
| Net interest margin | 3.9964% | 1,222 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.5292% | 2,136 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.4283% | 1,260 |
| Return on assets (ROA) | 1.4266% | 1,243 |
| Pretax return on assets | 1.7844% | 1,032 |
| Return on Equity (ROE) | 17.0700% | 1,064 |
| Retained earnings to average equity (ytd only) | 15.5844% | 502 |
| Net charge-offs to loans | 0.0136% | 1,907 |
| Credit loss provision to net charge-offs | 687.1795% | 516 |
| Earnings coverage of net charge-offs (x) | 166.5769% | 679 |
| Efficiency ratio | 57.5780% | 3,259 |
| Assets per employee ($millions) | 6.5496% | 2,291 |
| Cash dividends to net income (ytd only)* | 8.7262% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,534 |
| Loan loss allowance to noncurrent loans | 622.6931% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 1,104 |
| Noncurrent loans to loans | 0.1874% | 2,611 |
| Net loans and leases to total assets | 80.7000% | 569 |
| Net loans and leases to deposits | 90.5306% | 1,194 |
| Net loans and leases to core deposits | 93.8254% | 1,688 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 8.6199% | 2,652 |
| Core capital (leverage) ratio | 9.4813% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $929,659,750 | 1,056 |
| Average earning assets | $868,455,750 | 1,034 |
| Average equity | $77,674,000 | 1,150 |
| Average total loans | $764,635,250 | 896 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,075 |
| Cost of funding earning assets | 1.2431% | 1,871 |
| Net interest margin | 4.0615% | 1,142 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.5267% | 2,128 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4772% | 1,150 |
| Return on assets (ROA) | 1.4798% | 1,137 |
| Pretax return on assets | 1.8536% | 929 |
| Return on Equity (ROE) | 17.9100% | 968 |
| Retained earnings to average equity (ytd only) | 16.4096% | 434 |
| Net charge-offs to loans | 0.0161% | 1,602 |
| Credit loss provision to net charge-offs | 632.7869% | 556 |
| Earnings coverage of net charge-offs (x) | 145.9836% | 765 |
| Efficiency ratio | 56.6413% | 3,340 |
| Assets per employee ($millions) | 6.5835% | 2,227 |
| Cash dividends to net income (ytd only)* | 8.3664% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,654 |
| Loan loss allowance to noncurrent loans | 558.6185% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 983 |
| Noncurrent loans to loans | 0.2078% | 2,431 |
| Net loans and leases to total assets | 81.7500% | 451 |
| Net loans and leases to deposits | 94.0455% | 860 |
| Net loans and leases to core deposits | 99.0131% | 1,289 |
| Total domestic deposits to total assets | 86.9200% | 1,953 |
| Equity capital to assets | 8.6061% | 2,773 |
| Core capital (leverage) ratio | 9.2318% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $920,798,667 | 1,058 |
| Average earning assets | $860,610,000 | 1,038 |
| Average equity | $76,089,667 | 1,163 |
| Average total loans | $759,255,333 | 890 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 1,033 |
| Cost of funding earning assets | 1.0020% | 2,042 |
| Net interest margin | 4.1402% | 1,044 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.5153% | 2,208 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5818% | 1,014 |
| Return on assets (ROA) | 1.5825% | 1,012 |
| Pretax return on assets | 1.9852% | 801 |
| Return on Equity (ROE) | 19.5700% | 812 |
| Retained earnings to average equity (ytd only) | 18.0659% | 508 |
| Net charge-offs to loans | 0.0324% | 1,065 |
| Credit loss provision to net charge-offs | 36.0656% | 1,328 |
| Earnings coverage of net charge-offs (x) | 74.6721% | 923 |
| Efficiency ratio | 55.7810% | 3,427 |
| Assets per employee ($millions) | 6.4523% | 2,370 |
| Cash dividends to net income (ytd only)* | 7.6625% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,854 |
| Loan loss allowance to noncurrent loans | 540.6780% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 908 |
| Noncurrent loans to loans | 0.2109% | 2,418 |
| Net loans and leases to total assets | 81.4900% | 420 |
| Net loans and leases to deposits | 92.5366% | 885 |
| Net loans and leases to core deposits | 96.0567% | 1,282 |
| Total domestic deposits to total assets | 88.0600% | 1,909 |
| Equity capital to assets | 8.3834% | 2,982 |
| Core capital (leverage) ratio | 9.0829% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $913,767,500 | 1,082 |
| Average earning assets | $853,105,000 | 1,067 |
| Average equity | $73,907,000 | 1,195 |
| Average total loans | $752,279,000 | 907 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 1,862 |
| Cost of funding earning assets | 0.2322% | 3,492 |
| Net interest margin | 3.7164% | 1,341 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.4007% | 2,419 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.2015% | 1,760 |
| Return on assets (ROA) | 1.1815% | 1,785 |
| Pretax return on assets | 1.4721% | 1,531 |
| Return on Equity (ROE) | 14.6500% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.6273% | 1,594 |
| Net charge-offs to loans | -0.0069% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7434% | 3,227 |
| Assets per employee ($millions) | 6.4632% | 2,366 |
| Cash dividends to net income (ytd only)* | 41.0913% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,277 |
| Loan loss allowance to noncurrent loans | 698.6094% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 885 |
| Noncurrent loans to loans | 0.2111% | 2,433 |
| Net loans and leases to total assets | 81.0100% | 500 |
| Net loans and leases to deposits | 92.7102% | 871 |
| Net loans and leases to core deposits | 96.0294% | 1,205 |
| Total domestic deposits to total assets | 87.3800% | 2,277 |
| Equity capital to assets | 7.7913% | 3,194 |
| Core capital (leverage) ratio | 8.6384% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $912,068,600 | 1,066 |
| Average earning assets | $852,579,600 | 1,056 |
| Average equity | $73,580,800 | 1,204 |
| Average total loans | $683,838,600 | 926 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 2,138 |
| Cost of funding earning assets | 0.1035% | 4,253 |
| Net interest margin | 3.5650% | 1,479 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3592% | 2,445 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1980% | 1,697 |
| Return on assets (ROA) | 1.1781% | 1,754 |
| Pretax return on assets | 1.4681% | 1,503 |
| Return on Equity (ROE) | 14.4800% | 1,299 |
| Retained earnings to average equity (ytd only) | 13.2925% | 567 |
| Net charge-offs to loans | 0.0018% | 2,229 |
| Credit loss provision to net charge-offs | 7,700.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,212.0000% | 118 |
| Efficiency ratio | 59.6747% | 3,155 |
| Assets per employee ($millions) | 6.2275% | 2,554 |
| Cash dividends to net income (ytd only)* | 8.2000% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,544 |
| Loan loss allowance to noncurrent loans | 509.5092% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 857 |
| Noncurrent loans to loans | 0.2788% | 2,258 |
| Net loans and leases to total assets | 76.0800% | 907 |
| Net loans and leases to deposits | 84.2520% | 1,282 |
| Net loans and leases to core deposits | 86.4526% | 1,503 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 8.1855% | 2,772 |
| Core capital (leverage) ratio | 9.0262% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $912,257,500 | 1,074 |
| Average earning assets | $852,830,750 | 1,059 |
| Average equity | $74,225,250 | 1,209 |
| Average total loans | $667,474,250 | 942 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 2,374 |
| Cost of funding earning assets | 0.0602% | 4,527 |
| Net interest margin | 3.3591% | 1,728 |
| Noninterest income to average assets | 0.6191% | 1,659 |
| Noninterest expense to average assets | 2.3286% | 2,465 |
| Loan and lease loss provision to assets | 0.0996% | 1,005 |
| Net operating income to assets | 1.0690% | 1,901 |
| Return on assets (ROA) | 1.0457% | 1,959 |
| Pretax return on assets | 1.3006% | 1,748 |
| Return on Equity (ROE) | 12.8777% | 1,410 |
| Retained earnings to average equity (ytd only) | 11.7423% | 652 |
| Net charge-offs to loans | -0.0305% | 4,040 |
| Credit loss provision to net charge-offs | -455.0000% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9639% | 3,050 |
| Assets per employee ($millions) | 6.5773% | 2,259 |
| Cash dividends to net income (ytd only)* | 8.8168% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,501 |
| Loan loss allowance to noncurrent loans | 443.9079% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 851 |
| Noncurrent loans to loans | 0.3301% | 2,155 |
| Net loans and leases to total assets | 73.4080% | 963 |
| Net loans and leases to deposits | 80.8926% | 1,320 |
| Net loans and leases to core deposits | 83.1145% | 1,512 |
| Total domestic deposits to total assets | 90.7476% | 1,361 |
| Equity capital to assets | 8.1352% | 3,016 |
| Core capital (leverage) ratio | 8.4057% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9350% | 2,832 |
| Memoranda: | ||
| Average total assets | $913,271,667 | 1,066 |
| Average earning assets | $853,391,000 | 1,062 |
| Average equity | $74,159,000 | 1,241 |
| Average total loans | $656,078,667 | 946 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1869% | 2,729 |
| Cost of funding earning assets | 0.0642% | 4,498 |
| Net interest margin | 3.1227% | 2,101 |
| Noninterest income to average assets | 0.6187% | 1,611 |
| Noninterest expense to average assets | 2.2907% | 2,535 |
| Loan and lease loss provision to assets | 0.1109% | 752 |
| Net operating income to assets | 0.9169% | 2,217 |
| Return on assets (ROA) | 0.8845% | 2,337 |
| Pretax return on assets | 1.0982% | 2,151 |
| Return on Equity (ROE) | 10.9029% | 1,651 |
| Retained earnings to average equity (ytd only) | 9.8089% | 1,071 |
| Net charge-offs to loans | -0.0419% | 4,198 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7124% | 2,945 |
| Assets per employee ($millions) | 6.2103% | 2,626 |
| Cash dividends to net income (ytd only)* | 10.0344% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,685 |
| Loan loss allowance to noncurrent loans | 412.7632% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 929 |
| Noncurrent loans to loans | 0.3534% | 2,215 |
| Net loans and leases to total assets | 70.1125% | 1,012 |
| Net loans and leases to deposits | 76.8227% | 1,379 |
| Net loans and leases to core deposits | 79.1999% | 1,538 |
| Total domestic deposits to total assets | 91.2653% | 904 |
| Equity capital to assets | 7.8724% | 3,668 |
| Core capital (leverage) ratio | 8.1024% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8367% | 2,928 |
| Memoranda: | ||
| Average total assets | $919,361,500 | 1,063 |
| Average earning assets | $860,021,500 | 1,056 |
| Average equity | $74,585,500 | 1,264 |
| Average total loans | $648,462,500 | 949 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 3,192 |
| Cost of funding earning assets | 0.1365% | 4,100 |
| Net interest margin | 3.1706% | 2,681 |
| Noninterest income to average assets | 0.5968% | 2,173 |
| Noninterest expense to average assets | 2.3608% | 2,621 |
| Loan and lease loss provision to assets | -0.1098% | 4,554 |
| Net operating income to assets | 1.0412% | 2,515 |
| Return on assets (ROA) | 1.0359% | 2,606 |
| Pretax return on assets | 1.2933% | 2,379 |
| Return on Equity (ROE) | 12.2350% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.3899% | 824 |
| Net charge-offs to loans | -0.0326% | 4,158 |
| Credit loss provision to net charge-offs | 487.1795% | 818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4812% | 2,197 |
| Assets per employee ($millions) | 6.1715% | 2,592 |
| Cash dividends to net income (ytd only)* | 15.0809% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,719 |
| Loan loss allowance to noncurrent loans | 387.8813% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 991 |
| Noncurrent loans to loans | 0.3748% | 2,243 |
| Net loans and leases to total assets | 68.8933% | 1,161 |
| Net loans and leases to deposits | 75.5465% | 1,604 |
| Net loans and leases to core deposits | 78.8414% | 1,693 |
| Total domestic deposits to total assets | 91.1932% | 420 |
| Equity capital to assets | 8.3563% | 4,141 |
| Core capital (leverage) ratio | 7.9160% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0152% | 2,888 |
| Memoranda: | ||
| Average total assets | $865,444,000 | 1,076 |
| Average earning assets | $806,386,400 | 1,079 |
| Average equity | $73,273,200 | 1,298 |
| Average total loans | $598,886,200 | 1,016 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 3,264 |
| Cost of funding earning assets | 0.1532% | 4,082 |
| Net interest margin | 3.1925% | 2,751 |
| Noninterest income to average assets | 0.6229% | 2,123 |
| Noninterest expense to average assets | 2.3622% | 2,555 |
| Loan and lease loss provision to assets | -0.2343% | 4,777 |
| Net operating income to assets | 1.1730% | 2,258 |
| Return on assets (ROA) | 1.1698% | 2,338 |
| Pretax return on assets | 1.4576% | 2,124 |
| Return on Equity (ROE) | 13.7687% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.5827% | 705 |
| Net charge-offs to loans | -0.0195% | 3,953 |
| Credit loss provision to net charge-offs | 1,744.1860% | 361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8093% | 2,124 |
| Assets per employee ($millions) | 6.0040% | 2,693 |
| Cash dividends to net income (ytd only)* | 8.6138% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,689 |
| Loan loss allowance to noncurrent loans | 307.9643% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 2,180 |
| Noncurrent loans to loans | 0.4827% | 2,106 |
| Net loans and leases to total assets | 63.4562% | 1,841 |
| Net loans and leases to deposits | 69.7210% | 2,268 |
| Net loans and leases to core deposits | 72.8069% | 2,339 |
| Total domestic deposits to total assets | 91.0145% | 365 |
| Equity capital to assets | 8.4070% | 4,267 |
| Core capital (leverage) ratio | 8.3776% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4119% | 2,578 |
| Memoranda: | ||
| Average total assets | $853,459,000 | 1,098 |
| Average earning assets | $793,094,750 | 1,106 |
| Average equity | $72,510,250 | 1,327 |
| Average total loans | $588,972,250 | 1,046 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 3,081 |
| Cost of funding earning assets | 0.1698% | 4,044 |
| Net interest margin | 3.2604% | 2,582 |
| Noninterest income to average assets | 0.6367% | 2,059 |
| Noninterest expense to average assets | 2.3905% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0317% | 2,782 |
| Return on assets (ROA) | 1.0263% | 2,882 |
| Pretax return on assets | 1.2751% | 2,693 |
| Return on Equity (ROE) | 12.0348% | 2,045 |
| Retained earnings to average equity (ytd only) | 12.0348% | 907 |
| Net charge-offs to loans | -0.0159% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0956% | 2,286 |
| Assets per employee ($millions) | 5.7291% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 995 |
| Loan loss allowance to noncurrent loans | 438.8164% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 2,548 |
| Noncurrent loans to loans | 0.3952% | 2,490 |
| Net loans and leases to total assets | 66.4904% | 1,634 |
| Net loans and leases to deposits | 73.1931% | 2,078 |
| Net loans and leases to core deposits | 77.1511% | 2,121 |
| Total domestic deposits to total assets | 90.8424% | 419 |
| Equity capital to assets | 8.5544% | 4,161 |
| Core capital (leverage) ratio | 8.1742% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $837,745,667 | 1,109 |
| Average earning assets | $779,957,333 | 1,113 |
| Average equity | $71,442,667 | 1,333 |
| Average total loans | $591,926,667 | 1,041 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 3,037 |
| Cost of funding earning assets | 0.2027% | 3,885 |
| Net interest margin | 3.2591% | 2,517 |
| Noninterest income to average assets | 0.6554% | 2,009 |
| Noninterest expense to average assets | 2.4176% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0226% | 2,738 |
| Return on assets (ROA) | 1.0090% | 2,872 |
| Pretax return on assets | 1.2538% | 2,689 |
| Return on Equity (ROE) | 11.8511% | 2,073 |
| Retained earnings to average equity (ytd only) | 11.8511% | 1,189 |
| Net charge-offs to loans | -0.0033% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5475% | 2,295 |
| Assets per employee ($millions) | 5.7557% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,051 |
| Loan loss allowance to noncurrent loans | 220.5094% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 1,746 |
| Noncurrent loans to loans | 0.7702% | 1,701 |
| Net loans and leases to total assets | 68.2356% | 1,498 |
| Net loans and leases to deposits | 74.8503% | 2,036 |
| Net loans and leases to core deposits | 79.5388% | 2,050 |
| Total domestic deposits to total assets | 91.1628% | 344 |
| Equity capital to assets | 8.3411% | 4,242 |
| Core capital (leverage) ratio | 8.2605% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $826,933,000 | 1,110 |
| Average earning assets | $769,543,000 | 1,112 |
| Average equity | $70,407,000 | 1,348 |
| Average total loans | $597,148,500 | 1,041 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 2,906 |
| Cost of funding earning assets | 0.3553% | 3,844 |
| Net interest margin | 3.5825% | 2,202 |
| Noninterest income to average assets | 0.8210% | 1,475 |
| Noninterest expense to average assets | 2.8376% | 1,842 |
| Loan and lease loss provision to assets | 0.2875% | 1,319 |
| Net operating income to assets | 0.8318% | 2,973 |
| Return on assets (ROA) | 0.8347% | 3,087 |
| Pretax return on assets | 1.0405% | 2,909 |
| Return on Equity (ROE) | 9.0346% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.9319% | 1,420 |
| Net charge-offs to loans | 0.0359% | 2,334 |
| Credit loss provision to net charge-offs | 1,040.2985% | 762 |
| Earnings coverage of net charge-offs (x) | 47.9254% | 1,238 |
| Efficiency ratio | 68.1796% | 2,215 |
| Assets per employee ($millions) | 5.2764% | 3,072 |
| Cash dividends to net income (ytd only)* | 23.2746% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,127 |
| Loan loss allowance to noncurrent loans | 198.7131% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 1,636 |
| Noncurrent loans to loans | 0.8377% | 1,673 |
| Net loans and leases to total assets | 73.9328% | 1,028 |
| Net loans and leases to deposits | 81.5578% | 1,700 |
| Net loans and leases to core deposits | 87.5186% | 1,742 |
| Total domestic deposits to total assets | 90.6508% | 320 |
| Equity capital to assets | 8.6981% | 4,289 |
| Core capital (leverage) ratio | 8.4071% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,369,600 | 1,139 |
| Average earning assets | $678,318,200 | 1,135 |
| Average equity | $67,197,000 | 1,338 |
| Average total loans | $559,181,000 | 1,043 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 2,951 |
| Cost of funding earning assets | 0.3967% | 3,824 |
| Net interest margin | 3.6112% | 2,236 |
| Noninterest income to average assets | 0.8076% | 1,467 |
| Noninterest expense to average assets | 2.8850% | 1,740 |
| Loan and lease loss provision to assets | 0.3934% | 911 |
| Net operating income to assets | 0.7256% | 3,371 |
| Return on assets (ROA) | 0.7305% | 3,449 |
| Pretax return on assets | 0.9070% | 3,364 |
| Return on Equity (ROE) | 7.7787% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.3984% | 1,921 |
| Net charge-offs to loans | 0.0593% | 1,759 |
| Credit loss provision to net charge-offs | 856.9672% | 933 |
| Earnings coverage of net charge-offs (x) | 28.1967% | 1,639 |
| Efficiency ratio | 69.0299% | 2,032 |
| Assets per employee ($millions) | 5.1455% | 3,069 |
| Cash dividends to net income (ytd only)* | 17.7440% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 856 |
| Loan loss allowance to noncurrent loans | 164.4291% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 1,458 |
| Noncurrent loans to loans | 1.0487% | 1,421 |
| Net loans and leases to total assets | 73.3069% | 1,457 |
| Net loans and leases to deposits | 81.0437% | 2,195 |
| Net loans and leases to core deposits | 87.2653% | 2,210 |
| Total domestic deposits to total assets | 90.4535% | 294 |
| Equity capital to assets | 8.7943% | 4,257 |
| Core capital (leverage) ratio | 8.5157% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,707,750 | 1,149 |
| Average earning assets | $661,709,500 | 1,146 |
| Average equity | $66,556,250 | 1,335 |
| Average total loans | $548,228,500 | 1,050 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,580 |
| Cost of funding earning assets | 0.4508% | 3,787 |
| Net interest margin | 3.8091% | 1,813 |
| Noninterest income to average assets | 0.7872% | 1,476 |
| Noninterest expense to average assets | 2.9538% | 1,707 |
| Loan and lease loss provision to assets | 0.5528% | 605 |
| Net operating income to assets | 0.6726% | 3,496 |
| Return on assets (ROA) | 0.6799% | 3,572 |
| Pretax return on assets | 0.8400% | 3,475 |
| Return on Equity (ROE) | 7.0698% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.6480% | 2,213 |
| Net charge-offs to loans | 0.0692% | 1,555 |
| Credit loss provision to net charge-offs | 1,019.3548% | 780 |
| Earnings coverage of net charge-offs (x) | 25.5161% | 1,549 |
| Efficiency ratio | 68.0984% | 2,224 |
| Assets per employee ($millions) | 4.8515% | 3,357 |
| Cash dividends to net income (ytd only)* | 20.1115% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 785 |
| Loan loss allowance to noncurrent loans | 165.2196% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 1,533 |
| Noncurrent loans to loans | 1.0399% | 1,500 |
| Net loans and leases to total assets | 76.4614% | 1,067 |
| Net loans and leases to deposits | 85.0369% | 1,876 |
| Net loans and leases to core deposits | 92.0614% | 1,896 |
| Total domestic deposits to total assets | 89.9156% | 420 |
| Equity capital to assets | 9.0864% | 4,007 |
| Core capital (leverage) ratio | 8.6594% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,959,333 | 1,163 |
| Average earning assets | $639,358,000 | 1,156 |
| Average equity | $65,970,333 | 1,335 |
| Average total loans | $537,783,000 | 1,057 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,586 |
| Cost of funding earning assets | 0.5182% | 3,857 |
| Net interest margin | 3.8909% | 1,700 |
| Noninterest income to average assets | 0.8433% | 1,179 |
| Noninterest expense to average assets | 3.1424% | 1,539 |
| Loan and lease loss provision to assets | 0.3005% | 1,029 |
| Net operating income to assets | 0.8445% | 2,734 |
| Return on assets (ROA) | 0.8445% | 2,822 |
| Pretax return on assets | 1.0305% | 2,735 |
| Return on Equity (ROE) | 8.5136% | 2,308 |
| Retained earnings to average equity (ytd only) | 7.0600% | 1,516 |
| Net charge-offs to loans | 0.0946% | 1,124 |
| Credit loss provision to net charge-offs | 403.2520% | 993 |
| Earnings coverage of net charge-offs (x) | 17.8618% | 1,482 |
| Efficiency ratio | 70.2465% | 2,313 |
| Assets per employee ($millions) | 4.3247% | 3,506 |
| Cash dividends to net income (ytd only)* | 17.0732% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,045 |
| Loan loss allowance to noncurrent loans | 127.7020% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 1,324 |
| Noncurrent loans to loans | 1.2610% | 1,297 |
| Net loans and leases to total assets | 77.6518% | 1,033 |
| Net loans and leases to deposits | 87.0476% | 1,866 |
| Net loans and leases to core deposits | 96.4469% | 1,753 |
| Total domestic deposits to total assets | 89.2061% | 583 |
| Equity capital to assets | 9.9255% | 3,856 |
| Core capital (leverage) ratio | 9.6308% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $660,264,500 | 1,171 |
| Average earning assets | $615,998,500 | 1,159 |
| Average equity | $65,495,500 | 1,337 |
| Average total loans | $519,819,500 | 1,063 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 1,472 |
| Cost of funding earning assets | 0.6251% | 3,534 |
| Net interest margin | 4.3777% | 938 |
| Noninterest income to average assets | 0.6767% | 1,894 |
| Noninterest expense to average assets | 3.1099% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5045% | 1,039 |
| Return on assets (ROA) | 1.5059% | 1,104 |
| Pretax return on assets | 1.6582% | 1,311 |
| Return on Equity (ROE) | 14.8192% | 722 |
| Retained earnings to average equity (ytd only) | 1.8065% | 4,079 |
| Net charge-offs to loans | -0.0193% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2442% | 2,885 |
| Assets per employee ($millions) | 4.4842% | 3,247 |
| Cash dividends to net income (ytd only)* | 87.8099% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 989 |
| Loan loss allowance to noncurrent loans | 141.1714% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 1,437 |
| Noncurrent loans to loans | 1.1302% | 1,339 |
| Net loans and leases to total assets | 77.2763% | 1,209 |
| Net loans and leases to deposits | 87.9005% | 1,861 |
| Net loans and leases to core deposits | 95.5997% | 1,934 |
| Total domestic deposits to total assets | 87.9134% | 1,166 |
| Equity capital to assets | 9.9135% | 3,996 |
| Core capital (leverage) ratio | 9.3332% | 4,246 |
| Tier 1 risk-based capital ratio | 11.0405% | 4,840 |
| Total risk-based capital ratio | 12.2937% | 4,743 |
| Memoranda: | ||
| Average total assets | $645,520,800 | 1,157 |
| Average earning assets | $603,082,000 | 1,140 |
| Average equity | $65,597,400 | 1,287 |
| Average total loans | $507,306,400 | 1,067 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 1,263 |
| Cost of funding earning assets | 0.6249% | 3,558 |
| Net interest margin | 4.4885% | 790 |
| Noninterest income to average assets | 0.6731% | 1,905 |
| Noninterest expense to average assets | 3.0529% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8507% | 561 |
| Return on assets (ROA) | 1.8528% | 584 |
| Pretax return on assets | 1.8122% | 1,061 |
| Return on Equity (ROE) | 18.1208% | 384 |
| Retained earnings to average equity (ytd only) | 9.4408% | 915 |
| Net charge-offs to loans | -0.0716% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7776% | 3,203 |
| Assets per employee ($millions) | 4.7955% | 2,798 |
| Cash dividends to net income (ytd only)* | 47.9003% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 969 |
| Loan loss allowance to noncurrent loans | 120.1097% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 1,285 |
| Noncurrent loans to loans | 1.3443% | 1,143 |
| Net loans and leases to total assets | 76.0548% | 1,470 |
| Net loans and leases to deposits | 86.7572% | 2,095 |
| Net loans and leases to core deposits | 93.7114% | 2,206 |
| Total domestic deposits to total assets | 87.6639% | 1,184 |
| Equity capital to assets | 10.1916% | 3,831 |
| Core capital (leverage) ratio | 10.0281% | 3,616 |
| Tier 1 risk-based capital ratio | 11.7135% | 4,566 |
| Total risk-based capital ratio | 12.9670% | 4,461 |
| Memoranda: | ||
| Average total assets | $644,349,250 | 1,155 |
| Average earning assets | $601,496,000 | 1,138 |
| Average equity | $65,882,250 | 1,283 |
| Average total loans | $506,482,250 | 1,065 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 1,090 |
| Cost of funding earning assets | 0.6255% | 3,528 |
| Net interest margin | 4.5304% | 712 |
| Noninterest income to average assets | 0.6475% | 1,933 |
| Noninterest expense to average assets | 3.0800% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0520% | 355 |
| Return on assets (ROA) | 2.0520% | 370 |
| Pretax return on assets | 1.7977% | 1,037 |
| Return on Equity (ROE) | 20.0465% | 257 |
| Retained earnings to average equity (ytd only) | 15.7857% | 138 |
| Net charge-offs to loans | -0.1128% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1454% | 3,261 |
| Assets per employee ($millions) | 4.4233% | 3,252 |
| Cash dividends to net income (ytd only)* | 21.2548% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 991 |
| Loan loss allowance to noncurrent loans | 133.9711% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 1,414 |
| Noncurrent loans to loans | 1.2079% | 1,326 |
| Net loans and leases to total assets | 80.0946% | 866 |
| Net loans and leases to deposits | 91.9592% | 1,489 |
| Net loans and leases to core deposits | 99.7928% | 1,743 |
| Total domestic deposits to total assets | 87.0980% | 1,552 |
| Equity capital to assets | 10.7802% | 3,283 |
| Core capital (leverage) ratio | 10.1351% | 3,468 |
| Tier 1 risk-based capital ratio | 11.8547% | 4,500 |
| Total risk-based capital ratio | 13.1085% | 4,378 |
| Memoranda: | ||
| Average total assets | $636,942,000 | 1,168 |
| Average earning assets | $594,737,670 | 1,148 |
| Average equity | $65,198,330 | 1,286 |
| Average total loans | $503,550,000 | 1,070 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 740 |
| Cost of funding earning assets | 0.6100% | 3,511 |
| Net interest margin | 4.7035% | 491 |
| Noninterest income to average assets | 0.6227% | 1,950 |
| Noninterest expense to average assets | 3.0503% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.8069% | 99 |
| Return on assets (ROA) | 2.8069% | 109 |
| Pretax return on assets | 1.9683% | 676 |
| Return on Equity (ROE) | 28.1619% | 60 |
| Retained earnings to average equity (ytd only) | 22.7619% | 64 |
| Net charge-offs to loans | -0.1310% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7806% | 3,707 |
| Assets per employee ($millions) | 4.6411% | 2,989 |
| Cash dividends to net income (ytd only)* | 19.1750% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 979 |
| Loan loss allowance to noncurrent loans | 120.5550% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0598% | 1,307 |
| Noncurrent loans to loans | 1.3632% | 1,187 |
| Net loans and leases to total assets | 75.6305% | 1,543 |
| Net loans and leases to deposits | 86.0282% | 2,129 |
| Net loans and leases to core deposits | 95.0006% | 2,027 |
| Total domestic deposits to total assets | 87.9137% | 1,382 |
| Equity capital to assets | 10.1087% | 3,718 |
| Core capital (leverage) ratio | 9.8999% | 3,713 |
| Tier 1 risk-based capital ratio | 11.6415% | 4,665 |
| Total risk-based capital ratio | 12.8949% | 4,536 |
| Memoranda: | ||
| Average total assets | $639,144,500 | 1,169 |
| Average earning assets | $597,339,000 | 1,150 |
| Average equity | $63,703,000 | 1,301 |
| Average total loans | $497,844,500 | 1,085 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 2,114 |
| Cost of funding earning assets | 0.5027% | 3,332 |
| Net interest margin | 4.1044% | 1,668 |
| Noninterest income to average assets | 0.6671% | 1,978 |
| Noninterest expense to average assets | 3.2699% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2231% | 2,073 |
| Return on assets (ROA) | 1.2231% | 2,065 |
| Pretax return on assets | 1.2231% | 2,802 |
| Return on Equity (ROE) | 12.9678% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.7202% | 2,922 |
| Net charge-offs to loans | 0.0245% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 63.7236% | 987 |
| Efficiency ratio | 72.7772% | 1,799 |
| Assets per employee ($millions) | 4.3953% | 3,315 |
| Cash dividends to net income (ytd only)* | 63.6004% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 982 |
| Loan loss allowance to noncurrent loans | 74.7053% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 613 |
| Noncurrent loans to loans | 2.1717% | 595 |
| Net loans and leases to total assets | 77.6437% | 1,329 |
| Net loans and leases to deposits | 88.2304% | 2,017 |
| Net loans and leases to core deposits | 98.1088% | 1,857 |
| Total domestic deposits to total assets | 88.0010% | 1,293 |
| Equity capital to assets | 9.8204% | 3,841 |
| Core capital (leverage) ratio | 9.3298% | 4,326 |
| Tier 1 risk-based capital ratio | 11.1655% | 4,881 |
| Total risk-based capital ratio | 12.4190% | 4,790 |
| Memoranda: | ||
| Average total assets | $640,816,200 | 1,129 |
| Average earning assets | $597,339,800 | 1,118 |
| Average equity | $60,441,800 | 1,311 |
| Average total loans | $502,597,000 | 1,043 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 2,229 |
| Cost of funding earning assets | 0.4820% | 3,318 |
| Net interest margin | 4.0377% | 1,833 |
| Noninterest income to average assets | 0.6647% | 2,003 |
| Noninterest expense to average assets | 3.2338% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1917% | 2,272 |
| Return on assets (ROA) | 1.1917% | 2,275 |
| Pretax return on assets | 1.1917% | 3,019 |
| Return on Equity (ROE) | 12.7628% | 1,515 |
| Retained earnings to average equity (ytd only) | 6.8593% | 2,202 |
| Net charge-offs to loans | 0.0270% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 56.4201% | 1,095 |
| Efficiency ratio | 73.0722% | 1,722 |
| Assets per employee ($millions) | 4.4968% | 3,133 |
| Cash dividends to net income (ytd only)* | 46.2554% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,033 |
| Loan loss allowance to noncurrent loans | 66.6281% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8893% | 592 |
| Noncurrent loans to loans | 2.4273% | 550 |
| Net loans and leases to total assets | 75.8147% | 1,685 |
| Net loans and leases to deposits | 85.7523% | 2,392 |
| Net loans and leases to core deposits | 92.8267% | 2,403 |
| Total domestic deposits to total assets | 88.4112% | 1,083 |
| Equity capital to assets | 9.3963% | 4,183 |
| Core capital (leverage) ratio | 9.3389% | 4,354 |
| Tier 1 risk-based capital ratio | 11.2325% | 4,937 |
| Total risk-based capital ratio | 12.4860% | 4,826 |
| Memoranda: | ||
| Average total assets | $643,888,000 | 1,125 |
| Average earning assets | $599,726,250 | 1,116 |
| Average equity | $60,121,250 | 1,318 |
| Average total loans | $504,231,000 | 1,036 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,171 |
| Cost of funding earning assets | 0.4687% | 3,234 |
| Net interest margin | 4.0040% | 1,844 |
| Noninterest income to average assets | 0.6607% | 2,046 |
| Noninterest expense to average assets | 3.2138% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1794% | 2,284 |
| Return on assets (ROA) | 1.1794% | 2,284 |
| Pretax return on assets | 1.1794% | 3,011 |
| Return on Equity (ROE) | 12.6586% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.8623% | 1,682 |
| Net charge-offs to loans | -0.0846% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1529% | 1,827 |
| Assets per employee ($millions) | 4.2381% | 3,520 |
| Cash dividends to net income (ytd only)* | 37.8892% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 1,011 |
| Loan loss allowance to noncurrent loans | 64.7540% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 516 |
| Noncurrent loans to loans | 2.5315% | 511 |
| Net loans and leases to total assets | 79.6737% | 1,068 |
| Net loans and leases to deposits | 90.4342% | 1,788 |
| Net loans and leases to core deposits | 98.6284% | 1,843 |
| Total domestic deposits to total assets | 88.1012% | 1,323 |
| Equity capital to assets | 9.6049% | 4,001 |
| Core capital (leverage) ratio | 9.1921% | 4,472 |
| Tier 1 risk-based capital ratio | 10.9371% | 5,088 |
| Total risk-based capital ratio | 12.1912% | 4,975 |
| Memoranda: | ||
| Average total assets | $642,673,000 | 1,133 |
| Average earning assets | $599,105,000 | 1,119 |
| Average equity | $59,880,330 | 1,326 |
| Average total loans | $505,976,330 | 1,036 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,597 |
| Cost of funding earning assets | 0.4649% | 3,083 |
| Net interest margin | 3.8162% | 2,353 |
| Noninterest income to average assets | 0.6399% | 2,073 |
| Noninterest expense to average assets | 3.2456% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9545% | 3,054 |
| Return on assets (ROA) | 0.9545% | 3,071 |
| Pretax return on assets | 0.9545% | 3,690 |
| Return on Equity (ROE) | 10.4010% | 2,229 |
| Retained earnings to average equity (ytd only) | 5.8628% | 2,774 |
| Net charge-offs to loans | -0.1653% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2734% | 1,426 |
| Assets per employee ($millions) | 4.5763% | 3,032 |
| Cash dividends to net income (ytd only)* | 43.6328% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 999 |
| Loan loss allowance to noncurrent loans | 60.7863% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 525 |
| Noncurrent loans to loans | 2.7608% | 457 |
| Net loans and leases to total assets | 74.5035% | 1,785 |
| Net loans and leases to deposits | 83.7308% | 2,416 |
| Net loans and leases to core deposits | 105.7646% | 1,255 |
| Total domestic deposits to total assets | 88.9798% | 1,100 |
| Equity capital to assets | 9.0138% | 4,538 |
| Core capital (leverage) ratio | 8.9500% | 4,736 |
| Tier 1 risk-based capital ratio | 11.1362% | 5,063 |
| Total risk-based capital ratio | 12.3909% | 4,959 |
| Memoranda: | ||
| Average total assets | $648,271,000 | 1,138 |
| Average earning assets | $604,797,500 | 1,124 |
| Average equity | $59,494,000 | 1,341 |
| Average total loans | $503,211,500 | 1,044 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,897 |
| Cost of funding earning assets | 0.4340% | 2,922 |
| Net interest margin | 4.0102% | 1,719 |
| Noninterest income to average assets | 0.6476% | 2,210 |
| Noninterest expense to average assets | 3.1163% | 1,814 |
| Loan and lease loss provision to assets | -0.1751% | 5,564 |
| Net operating income to assets | 1.4128% | 984 |
| Return on assets (ROA) | 1.4128% | 1,005 |
| Pretax return on assets | 1.4128% | 1,951 |
| Return on Equity (ROE) | 15.0316% | 606 |
| Retained earnings to average equity (ytd only) | 7.1465% | 1,023 |
| Net charge-offs to loans | -0.1891% | 5,517 |
| Credit loss provision to net charge-offs | 111.4907% | 2,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5737% | 2,297 |
| Assets per employee ($millions) | 4.5540% | 3,105 |
| Cash dividends to net income (ytd only)* | 52.4571% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,114 |
| Loan loss allowance to noncurrent loans | 57.6549% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.2357% | 455 |
| Noncurrent loans to loans | 2.7953% | 424 |
| Net loans and leases to total assets | 78.2525% | 1,256 |
| Net loans and leases to deposits | 88.4109% | 1,970 |
| Net loans and leases to core deposits | 109.3700% | 1,043 |
| Total domestic deposits to total assets | 88.5100% | 1,249 |
| Equity capital to assets | 9.3464% | 4,382 |
| Core capital (leverage) ratio | 8.9992% | 4,656 |
| Tier 1 risk-based capital ratio | 10.2063% | 5,480 |
| Total risk-based capital ratio | 11.4592% | 5,396 |
| Memoranda: | ||
| Average total assets | $615,023,200 | 1,169 |
| Average earning assets | $568,428,400 | 1,163 |
| Average equity | $57,804,800 | 1,361 |
| Average total loans | $510,790,200 | 1,007 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 1,756 |
| Cost of funding earning assets | 0.4221% | 2,967 |
| Net interest margin | 4.0385% | 1,574 |
| Noninterest income to average assets | 0.6448% | 2,234 |
| Noninterest expense to average assets | 3.0937% | 1,821 |
| Loan and lease loss provision to assets | -0.2356% | 5,672 |
| Net operating income to assets | 1.5108% | 870 |
| Return on assets (ROA) | 1.5108% | 897 |
| Pretax return on assets | 1.5108% | 1,738 |
| Return on Equity (ROE) | 16.0506% | 527 |
| Retained earnings to average equity (ytd only) | 8.2566% | 1,106 |
| Net charge-offs to loans | -0.2751% | 5,594 |
| Credit loss provision to net charge-offs | 101.9886% | 2,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8133% | 2,397 |
| Assets per employee ($millions) | 4.5302% | 3,089 |
| Cash dividends to net income (ytd only)* | 48.5589% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,228 |
| Loan loss allowance to noncurrent loans | 73.4009% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 776 |
| Noncurrent loans to loans | 2.1869% | 747 |
| Net loans and leases to total assets | 79.8509% | 1,005 |
| Net loans and leases to deposits | 90.2124% | 1,784 |
| Net loans and leases to core deposits | 108.9278% | 1,096 |
| Total domestic deposits to total assets | 88.5143% | 1,114 |
| Equity capital to assets | 9.3546% | 4,588 |
| Core capital (leverage) ratio | 9.1727% | 4,548 |
| Tier 1 risk-based capital ratio | 10.2219% | 5,538 |
| Total risk-based capital ratio | 11.4753% | 5,488 |
| Memoranda: | ||
| Average total assets | $609,390,750 | 1,187 |
| Average earning assets | $561,950,500 | 1,185 |
| Average equity | $57,359,000 | 1,381 |
| Average total loans | $511,719,500 | 1,001 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 1,598 |
| Cost of funding earning assets | 0.4138% | 2,947 |
| Net interest margin | 4.0576% | 1,439 |
| Noninterest income to average assets | 0.6428% | 2,237 |
| Noninterest expense to average assets | 3.1096% | 1,817 |
| Loan and lease loss provision to assets | -0.3583% | 5,745 |
| Net operating income to assets | 1.6210% | 664 |
| Return on assets (ROA) | 1.6210% | 690 |
| Pretax return on assets | 1.6210% | 1,277 |
| Return on Equity (ROE) | 17.1846% | 400 |
| Retained earnings to average equity (ytd only) | 9.0508% | 825 |
| Net charge-offs to loans | -0.4609% | 5,687 |
| Credit loss provision to net charge-offs | 91.5038% | 2,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1209% | 2,493 |
| Assets per employee ($millions) | 4.2278% | 3,565 |
| Cash dividends to net income (ytd only)* | 47.3317% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,248 |
| Loan loss allowance to noncurrent loans | 73.6449% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 676 |
| Noncurrent loans to loans | 2.1830% | 744 |
| Net loans and leases to total assets | 86.0642% | 266 |
| Net loans and leases to deposits | 97.7771% | 913 |
| Net loans and leases to core deposits | 115.3932% | 743 |
| Total domestic deposits to total assets | 88.0208% | 1,447 |
| Equity capital to assets | 9.7879% | 4,131 |
| Core capital (leverage) ratio | 9.2046% | 4,484 |
| Tier 1 risk-based capital ratio | 9.9589% | 5,639 |
| Total risk-based capital ratio | 11.2107% | 5,600 |
| Memoranda: | ||
| Average total assets | $601,110,330 | 1,203 |
| Average earning assets | $552,495,670 | 1,206 |
| Average equity | $56,702,000 | 1,393 |
| Average total loans | $510,725,330 | 999 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,017 |
| Cost of funding earning assets | 0.4041% | 2,954 |
| Net interest margin | 3.8746% | 1,875 |
| Noninterest income to average assets | 0.6388% | 2,229 |
| Noninterest expense to average assets | 3.0961% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0881% | 1,919 |
| Return on assets (ROA) | 1.0881% | 1,963 |
| Pretax return on assets | 1.0881% | 3,034 |
| Return on Equity (ROE) | 11.7540% | 1,322 |
| Retained earnings to average equity (ytd only) | 6.6930% | 1,984 |
| Net charge-offs to loans | 0.0784% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.5859% | 1,636 |
| Efficiency ratio | 73.9943% | 2,234 |
| Assets per employee ($millions) | 4.3626% | 3,393 |
| Cash dividends to net income (ytd only)* | 43.0572% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,421 |
| Loan loss allowance to noncurrent loans | 66.7864% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 654 |
| Noncurrent loans to loans | 2.3719% | 687 |
| Net loans and leases to total assets | 83.2467% | 441 |
| Net loans and leases to deposits | 93.7575% | 1,133 |
| Net loans and leases to core deposits | 112.0554% | 771 |
| Total domestic deposits to total assets | 88.7894% | 1,259 |
| Equity capital to assets | 9.2302% | 4,586 |
| Core capital (leverage) ratio | 9.0116% | 4,723 |
| Tier 1 risk-based capital ratio | 9.8236% | 5,729 |
| Total risk-based capital ratio | 11.0770% | 5,708 |
| Memoranda: | ||
| Average total assets | $603,602,500 | 1,203 |
| Average earning assets | $552,312,500 | 1,205 |
| Average equity | $55,879,000 | 1,409 |
| Average total loans | $505,371,000 | 1,006 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,489 |
| Cost of funding earning assets | 0.3904% | 3,098 |
| Net interest margin | 4.1279% | 1,311 |
| Noninterest income to average assets | 0.5861% | 2,734 |
| Noninterest expense to average assets | 3.0869% | 2,079 |
| Loan and lease loss provision to assets | 0.0178% | 4,024 |
| Net operating income to assets | 1.2790% | 1,271 |
| Return on assets (ROA) | 1.2790% | 1,339 |
| Pretax return on assets | 1.2790% | 2,359 |
| Return on Equity (ROE) | 13.2297% | 943 |
| Retained earnings to average equity (ytd only) | 6.0992% | 1,655 |
| Net charge-offs to loans | 0.0434% | 3,167 |
| Credit loss provision to net charge-offs | 49.2611% | 3,390 |
| Earnings coverage of net charge-offs (x) | 35.9458% | 1,270 |
| Efficiency ratio | 70.4180% | 2,839 |
| Assets per employee ($millions) | 4.2909% | 3,447 |
| Cash dividends to net income (ytd only)* | 53.8975% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,185 |
| Loan loss allowance to noncurrent loans | 77.5199% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 805 |
| Noncurrent loans to loans | 2.1625% | 793 |
| Net loans and leases to total assets | 81.4555% | 677 |
| Net loans and leases to deposits | 91.9606% | 1,461 |
| Net loans and leases to core deposits | 110.3507% | 879 |
| Total domestic deposits to total assets | 88.5765% | 1,335 |
| Equity capital to assets | 9.2857% | 4,488 |
| Core capital (leverage) ratio | 9.1793% | 4,508 |
| Tier 1 risk-based capital ratio | 9.9635% | 5,747 |
| Total risk-based capital ratio | 11.2177% | 5,704 |
| Memoranda: | ||
| Average total assets | $562,707,600 | 1,239 |
| Average earning assets | $517,667,600 | 1,244 |
| Average equity | $54,400,200 | 1,413 |
| Average total loans | $468,241,800 | 1,033 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,486 |
| Cost of funding earning assets | 0.3840% | 3,187 |
| Net interest margin | 4.1336% | 1,298 |
| Noninterest income to average assets | 0.5778% | 2,776 |
| Noninterest expense to average assets | 3.0586% | 2,131 |
| Loan and lease loss provision to assets | 0.0241% | 3,765 |
| Net operating income to assets | 1.3168% | 1,244 |
| Return on assets (ROA) | 1.3168% | 1,325 |
| Pretax return on assets | 1.3168% | 2,362 |
| Return on Equity (ROE) | 13.4771% | 924 |
| Retained earnings to average equity (ytd only) | 7.1719% | 1,542 |
| Net charge-offs to loans | 0.0667% | 2,380 |
| Credit loss provision to net charge-offs | 43.2900% | 3,124 |
| Earnings coverage of net charge-offs (x) | 24.1300% | 1,688 |
| Efficiency ratio | 69.5227% | 2,963 |
| Assets per employee ($millions) | 4.3784% | 3,288 |
| Cash dividends to net income (ytd only)* | 46.7848% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 1,160 |
| Loan loss allowance to noncurrent loans | 74.3627% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 848 |
| Noncurrent loans to loans | 2.3188% | 795 |
| Net loans and leases to total assets | 79.5963% | 946 |
| Net loans and leases to deposits | 91.0558% | 1,622 |
| Net loans and leases to core deposits | 103.1166% | 1,408 |
| Total domestic deposits to total assets | 87.4148% | 1,708 |
| Equity capital to assets | 9.4778% | 4,682 |
| Core capital (leverage) ratio | 9.3323% | 4,418 |
| Tier 1 risk-based capital ratio | 10.3922% | 5,661 |
| Total risk-based capital ratio | 11.6505% | 5,588 |
| Memoranda: | ||
| Average total assets | $554,275,750 | 1,257 |
| Average earning assets | $512,434,750 | 1,254 |
| Average equity | $54,154,500 | 1,427 |
| Average total loans | $461,774,250 | 1,054 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,460 |
| Cost of funding earning assets | 0.3867% | 3,183 |
| Net interest margin | 4.1348% | 1,279 |
| Noninterest income to average assets | 0.5716% | 2,784 |
| Noninterest expense to average assets | 3.0933% | 2,079 |
| Loan and lease loss provision to assets | 0.0369% | 3,423 |
| Net operating income to assets | 1.2686% | 1,363 |
| Return on assets (ROA) | 1.2686% | 1,477 |
| Pretax return on assets | 1.2686% | 2,528 |
| Return on Equity (ROE) | 12.8447% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.3962% | 1,919 |
| Net charge-offs to loans | -0.0110% | 4,728 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3213% | 2,929 |
| Assets per employee ($millions) | 4.0714% | 3,781 |
| Cash dividends to net income (ytd only)* | 50.2036% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 1,060 |
| Loan loss allowance to noncurrent loans | 72.2680% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 690 |
| Noncurrent loans to loans | 2.5096% | 690 |
| Net loans and leases to total assets | 84.4581% | 382 |
| Net loans and leases to deposits | 100.5021% | 653 |
| Net loans and leases to core deposits | 118.0682% | 569 |
| Total domestic deposits to total assets | 84.0362% | 3,251 |
| Equity capital to assets | 10.0194% | 4,203 |
| Core capital (leverage) ratio | 9.4418% | 4,277 |
| Tier 1 risk-based capital ratio | 10.2587% | 5,774 |
| Total risk-based capital ratio | 11.5167% | 5,694 |
| Memoranda: | ||
| Average total assets | $542,006,330 | 1,284 |
| Average earning assets | $501,698,330 | 1,280 |
| Average equity | $53,532,000 | 1,441 |
| Average total loans | $456,120,330 | 1,066 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 1,451 |
| Cost of funding earning assets | 0.3921% | 3,167 |
| Net interest margin | 4.1288% | 1,267 |
| Noninterest income to average assets | 0.4939% | 3,165 |
| Noninterest expense to average assets | 3.0535% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2684% | 1,343 |
| Return on assets (ROA) | 1.2684% | 1,440 |
| Pretax return on assets | 1.2684% | 2,427 |
| Return on Equity (ROE) | 12.9364% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.4342% | 2,174 |
| Net charge-offs to loans | -0.0062% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6527% | 3,014 |
| Assets per employee ($millions) | 4.2888% | 3,424 |
| Cash dividends to net income (ytd only)* | 50.2627% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 1,017 |
| Loan loss allowance to noncurrent loans | 171.3557% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 2,420 |
| Noncurrent loans to loans | 1.0895% | 2,213 |
| Net loans and leases to total assets | 79.7386% | 854 |
| Net loans and leases to deposits | 91.7051% | 1,389 |
| Net loans and leases to core deposits | 108.3954% | 951 |
| Total domestic deposits to total assets | 86.9511% | 2,233 |
| Equity capital to assets | 9.6840% | 4,467 |
| Core capital (leverage) ratio | 9.1506% | 4,653 |
| Tier 1 risk-based capital ratio | 10.6529% | 5,682 |
| Total risk-based capital ratio | 11.9126% | 5,592 |
| Memoranda: | ||
| Average total assets | $540,227,500 | 1,288 |
| Average earning assets | $500,877,000 | 1,282 |
| Average equity | $52,967,000 | 1,452 |
| Average total loans | $449,538,500 | 1,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,403 |
| Cost of funding earning assets | 0.4300% | 2,842 |
| Net interest margin | 4.1437% | 1,296 |
| Noninterest income to average assets | 0.6328% | 2,550 |
| Noninterest expense to average assets | 3.2886% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1970% | 1,562 |
| Return on assets (ROA) | 1.2009% | 1,618 |
| Pretax return on assets | 1.2009% | 2,656 |
| Return on Equity (ROE) | 12.0050% | 1,299 |
| Retained earnings to average equity (ytd only) | 6.3667% | 1,622 |
| Net charge-offs to loans | 0.0585% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.4096% | 1,677 |
| Efficiency ratio | 73.3152% | 2,690 |
| Assets per employee ($millions) | 4.0245% | 3,894 |
| Cash dividends to net income (ytd only)* | 46.9662% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 1,022 |
| Loan loss allowance to noncurrent loans | 158.9462% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 2,160 |
| Noncurrent loans to loans | 1.1737% | 2,014 |
| Net loans and leases to total assets | 83.6760% | 420 |
| Net loans and leases to deposits | 96.7937% | 926 |
| Net loans and leases to core deposits | 111.0620% | 809 |
| Total domestic deposits to total assets | 86.4478% | 2,407 |
| Equity capital to assets | 9.9311% | 4,042 |
| Core capital (leverage) ratio | 9.3468% | 4,399 |
| Tier 1 risk-based capital ratio | 10.5116% | 5,770 |
| Total risk-based capital ratio | 11.7683% | 5,687 |
| Memoranda: | ||
| Average total assets | $507,783,200 | 1,323 |
| Average earning assets | $472,140,800 | 1,311 |
| Average equity | $50,795,400 | 1,461 |
| Average total loans | $425,604,200 | 1,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,435 |
| Cost of funding earning assets | 0.4387% | 2,816 |
| Net interest margin | 4.1184% | 1,363 |
| Noninterest income to average assets | 0.6572% | 2,441 |
| Noninterest expense to average assets | 3.2590% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2386% | 1,531 |
| Return on assets (ROA) | 1.2439% | 1,567 |
| Pretax return on assets | 1.2439% | 2,634 |
| Return on Equity (ROE) | 12.4111% | 1,264 |
| Retained earnings to average equity (ytd only) | 6.6579% | 1,859 |
| Net charge-offs to loans | 0.0118% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 126.2757% | 517 |
| Efficiency ratio | 72.4609% | 2,796 |
| Assets per employee ($millions) | 3.9426% | 3,992 |
| Cash dividends to net income (ytd only)* | 46.3556% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 942 |
| Loan loss allowance to noncurrent loans | 143.9237% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 2,072 |
| Noncurrent loans to loans | 1.3744% | 1,858 |
| Net loans and leases to total assets | 80.6481% | 731 |
| Net loans and leases to deposits | 93.3424% | 1,275 |
| Net loans and leases to core deposits | 107.6481% | 997 |
| Total domestic deposits to total assets | 86.4003% | 2,327 |
| Equity capital to assets | 9.8182% | 4,371 |
| Core capital (leverage) ratio | 9.4917% | 4,315 |
| Tier 1 risk-based capital ratio | 10.8518% | 5,732 |
| Total risk-based capital ratio | 12.1104% | 5,653 |
| Memoranda: | ||
| Average total assets | $502,927,750 | 1,340 |
| Average earning assets | $468,976,000 | 1,325 |
| Average equity | $50,405,000 | 1,479 |
| Average total loans | $419,622,750 | 1,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 1,600 |
| Cost of funding earning assets | 0.4619% | 2,591 |
| Net interest margin | 4.0172% | 1,591 |
| Noninterest income to average assets | 0.6637% | 2,392 |
| Noninterest expense to average assets | 3.2872% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1196% | 1,878 |
| Return on assets (ROA) | 1.1273% | 1,932 |
| Pretax return on assets | 1.1273% | 3,063 |
| Return on Equity (ROE) | 11.1666% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.1863% | 2,123 |
| Net charge-offs to loans | -0.0048% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5939% | 2,596 |
| Assets per employee ($millions) | 3.9160% | 4,042 |
| Cash dividends to net income (ytd only)* | 44.5999% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 915 |
| Loan loss allowance to noncurrent loans | 155.7938% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 2,290 |
| Noncurrent loans to loans | 1.3142% | 2,046 |
| Net loans and leases to total assets | 82.5121% | 510 |
| Net loans and leases to deposits | 95.6326% | 996 |
| Net loans and leases to core deposits | 112.7115% | 715 |
| Total domestic deposits to total assets | 86.2803% | 2,537 |
| Equity capital to assets | 10.0831% | 3,942 |
| Core capital (leverage) ratio | 9.5016% | 4,282 |
| Tier 1 risk-based capital ratio | 10.9104% | 5,759 |
| Total risk-based capital ratio | 12.1697% | 5,666 |
| Memoranda: | ||
| Average total assets | $494,469,000 | 1,372 |
| Average earning assets | $460,718,000 | 1,355 |
| Average equity | $49,916,670 | 1,503 |
| Average total loans | $414,608,670 | 1,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 1,571 |
| Cost of funding earning assets | 0.4869% | 2,406 |
| Net interest margin | 3.9782% | 1,631 |
| Noninterest income to average assets | 0.6475% | 2,413 |
| Noninterest expense to average assets | 3.2915% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0630% | 1,990 |
| Return on assets (ROA) | 1.0630% | 2,120 |
| Pretax return on assets | 1.0630% | 3,248 |
| Return on Equity (ROE) | 10.5232% | 1,790 |
| Retained earnings to average equity (ytd only) | 5.2334% | 2,928 |
| Net charge-offs to loans | 0.0701% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.1250% | 1,499 |
| Efficiency ratio | 75.5892% | 2,569 |
| Assets per employee ($millions) | 3.9459% | 4,069 |
| Cash dividends to net income (ytd only)* | 50.2682% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 897 |
| Loan loss allowance to noncurrent loans | 157.8142% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 2,404 |
| Noncurrent loans to loans | 1.3435% | 2,140 |
| Net loans and leases to total assets | 79.5119% | 740 |
| Net loans and leases to deposits | 92.1960% | 1,162 |
| Net loans and leases to core deposits | 106.9551% | 879 |
| Total domestic deposits to total assets | 86.2423% | 2,802 |
| Equity capital to assets | 10.0663% | 4,067 |
| Core capital (leverage) ratio | 9.4019% | 4,431 |
| Tier 1 risk-based capital ratio | 11.3266% | 5,647 |
| Total risk-based capital ratio | 12.5870% | 5,549 |
| Memoranda: | ||
| Average total assets | $491,082,000 | 1,386 |
| Average earning assets | $457,590,000 | 1,367 |
| Average equity | $49,604,500 | 1,516 |
| Average total loans | $410,797,500 | 1,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 1,122 |
| Cost of funding earning assets | 0.5162% | 2,521 |
| Net interest margin | 4.2804% | 1,092 |
| Noninterest income to average assets | 0.6453% | 2,581 |
| Noninterest expense to average assets | 3.3330% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2740% | 1,360 |
| Return on assets (ROA) | 1.2740% | 1,413 |
| Pretax return on assets | 1.2740% | 2,331 |
| Return on Equity (ROE) | 12.5742% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.7791% | 3,532 |
| Net charge-offs to loans | 0.0407% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 36.7818% | 1,157 |
| Efficiency ratio | 72.3458% | 3,148 |
| Assets per employee ($millions) | 3.7306% | 4,473 |
| Cash dividends to net income (ytd only)* | 69.9456% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 1,001 |
| Loan loss allowance to noncurrent loans | 147.2293% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 2,329 |
| Noncurrent loans to loans | 1.4041% | 2,086 |
| Net loans and leases to total assets | 84.3491% | 319 |
| Net loans and leases to deposits | 97.9586% | 762 |
| Net loans and leases to core deposits | 114.9015% | 558 |
| Total domestic deposits to total assets | 86.1069% | 2,776 |
| Equity capital to assets | 10.1367% | 3,939 |
| Core capital (leverage) ratio | 9.4819% | 4,272 |
| Tier 1 risk-based capital ratio | 11.0651% | 5,885 |
| Total risk-based capital ratio | 12.3256% | 5,819 |
| Memoranda: | ||
| Average total assets | $476,361,400 | 1,403 |
| Average earning assets | $440,894,000 | 1,391 |
| Average equity | $48,265,400 | 1,493 |
| Average total loans | $405,225,600 | 1,087 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 1,159 |
| Cost of funding earning assets | 0.5120% | 2,635 |
| Net interest margin | 4.2583% | 1,134 |
| Noninterest income to average assets | 0.6290% | 2,695 |
| Noninterest expense to average assets | 3.3220% | 1,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2447% | 1,541 |
| Return on assets (ROA) | 1.2447% | 1,595 |
| Pretax return on assets | 1.2447% | 2,593 |
| Return on Equity (ROE) | 12.2863% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.5145% | 2,736 |
| Net charge-offs to loans | 0.0375% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 39.1778% | 1,149 |
| Efficiency ratio | 72.7435% | 3,055 |
| Assets per employee ($millions) | 3.8687% | 4,149 |
| Cash dividends to net income (ytd only)* | 55.1163% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 1,153 |
| Loan loss allowance to noncurrent loans | 155.4581% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 2,639 |
| Noncurrent loans to loans | 1.3237% | 2,431 |
| Net loans and leases to total assets | 84.8202% | 274 |
| Net loans and leases to deposits | 99.4327% | 646 |
| Net loans and leases to core deposits | 114.7384% | 561 |
| Total domestic deposits to total assets | 85.3041% | 3,211 |
| Equity capital to assets | 10.0684% | 4,084 |
| Core capital (leverage) ratio | 9.6355% | 4,177 |
| Tier 1 risk-based capital ratio | 11.0604% | 5,966 |
| Total risk-based capital ratio | 12.3209% | 5,919 |
| Memoranda: | ||
| Average total assets | $474,206,250 | 1,421 |
| Average earning assets | $438,500,500 | 1,406 |
| Average equity | $48,041,500 | 1,503 |
| Average total loans | $402,103,750 | 1,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,161 |
| Cost of funding earning assets | 0.5090% | 2,740 |
| Net interest margin | 4.2495% | 1,137 |
| Noninterest income to average assets | 0.6228% | 2,694 |
| Noninterest expense to average assets | 3.3194% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2235% | 1,517 |
| Return on assets (ROA) | 1.2235% | 1,578 |
| Pretax return on assets | 1.2235% | 2,558 |
| Return on Equity (ROE) | 12.0514% | 1,408 |
| Retained earnings to average equity (ytd only) | 5.2080% | 2,827 |
| Net charge-offs to loans | 0.0718% | 2,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.2394% | 1,592 |
| Efficiency ratio | 73.0672% | 3,144 |
| Assets per employee ($millions) | 3.7416% | 4,366 |
| Cash dividends to net income (ytd only)* | 56.7850% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1466% | 1,093 |
| Loan loss allowance to noncurrent loans | 162.0741% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 2,832 |
| Noncurrent loans to loans | 1.3244% | 2,597 |
| Net loans and leases to total assets | 83.0591% | 377 |
| Net loans and leases to deposits | 100.4472% | 533 |
| Net loans and leases to core deposits | 115.8485% | 479 |
| Total domestic deposits to total assets | 82.6894% | 4,417 |
| Equity capital to assets | 10.1940% | 3,835 |
| Core capital (leverage) ratio | 9.6989% | 4,043 |
| Tier 1 risk-based capital ratio | 11.4930% | 5,806 |
| Total risk-based capital ratio | 12.7548% | 5,753 |
| Memoranda: | ||
| Average total assets | $469,789,670 | 1,427 |
| Average earning assets | $433,364,000 | 1,427 |
| Average equity | $47,695,670 | 1,505 |
| Average total loans | $395,422,330 | 1,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 1,110 |
| Cost of funding earning assets | 0.5080% | 2,820 |
| Net interest margin | 4.2592% | 1,083 |
| Noninterest income to average assets | 0.5977% | 2,748 |
| Noninterest expense to average assets | 3.3518% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1732% | 1,557 |
| Return on assets (ROA) | 1.1732% | 1,624 |
| Pretax return on assets | 1.1732% | 2,596 |
| Return on Equity (ROE) | 11.5799% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.0208% | 3,102 |
| Net charge-offs to loans | 0.0143% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 97.8571% | 467 |
| Efficiency ratio | 74.0727% | 3,130 |
| Assets per employee ($millions) | 4.4613% | 3,043 |
| Cash dividends to net income (ytd only)* | 56.6423% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,112 |
| Loan loss allowance to noncurrent loans | 111.7527% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6695% | 2,118 |
| Noncurrent loans to loans | 2.0005% | 1,864 |
| Net loans and leases to total assets | 81.2481% | 429 |
| Net loans and leases to deposits | 96.4647% | 624 |
| Net loans and leases to core deposits | 106.3815% | 744 |
| Total domestic deposits to total assets | 84.2257% | 4,201 |
| Equity capital to assets | 10.0804% | 3,746 |
| Core capital (leverage) ratio | 9.5782% | 4,167 |
| Tier 1 risk-based capital ratio | 11.7739% | 5,778 |
| Total risk-based capital ratio | 13.0374% | 5,703 |
| Memoranda: | ||
| Average total assets | $467,093,500 | 1,438 |
| Average earning assets | $430,695,500 | 1,443 |
| Average equity | $47,323,500 | 1,506 |
| Average total loans | $391,463,500 | 1,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 1,303 |
| Cost of funding earning assets | 0.6051% | 2,615 |
| Net interest margin | 4.1992% | 1,359 |
| Noninterest income to average assets | 0.8574% | 1,836 |
| Noninterest expense to average assets | 3.2936% | 2,165 |
| Loan and lease loss provision to assets | -0.3235% | 6,683 |
| Net operating income to assets | 1.7593% | 521 |
| Return on assets (ROA) | 1.7302% | 572 |
| Pretax return on assets | 1.7302% | 896 |
| Return on Equity (ROE) | 17.2347% | 486 |
| Retained earnings to average equity (ytd only) | 8.0262% | 1,048 |
| Net charge-offs to loans | 0.0843% | 4,030 |
| Credit loss provision to net charge-offs | -478.0328% | 6,131 |
| Earnings coverage of net charge-offs (x) | 21.2197% | 1,503 |
| Efficiency ratio | 69.6407% | 3,892 |
| Assets per employee ($millions) | 3.5759% | 4,740 |
| Cash dividends to net income (ytd only)* | 53.4299% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2569% | 1,106 |
| Loan loss allowance to noncurrent loans | 105.8965% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.8045% | 2,040 |
| Noncurrent loans to loans | 2.1312% | 1,848 |
| Net loans and leases to total assets | 82.6207% | 356 |
| Net loans and leases to deposits | 97.1355% | 655 |
| Net loans and leases to core deposits | 106.2367% | 782 |
| Total domestic deposits to total assets | 85.0572% | 3,712 |
| Equity capital to assets | 10.1838% | 3,531 |
| Core capital (leverage) ratio | 9.6317% | 4,076 |
| Tier 1 risk-based capital ratio | 11.4986% | 5,907 |
| Total risk-based capital ratio | 12.7617% | 5,842 |
| Memoranda: | ||
| Average total assets | $450,757,600 | 1,473 |
| Average earning assets | $415,623,200 | 1,464 |
| Average equity | $45,251,800 | 1,545 |
| Average total loans | $361,859,000 | 1,181 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,225 |
| Cost of funding earning assets | 0.5849% | 2,950 |
| Net interest margin | 4.2711% | 1,160 |
| Noninterest income to average assets | 1.1713% | 1,070 |
| Noninterest expense to average assets | 3.6347% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4539% | 977 |
| Return on assets (ROA) | 1.4419% | 1,062 |
| Pretax return on assets | 1.4419% | 1,791 |
| Return on Equity (ROE) | 13.9996% | 997 |
| Retained earnings to average equity (ytd only) | -2.2280% | 6,291 |
| Net charge-offs to loans | 0.0201% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 87.3035% | 550 |
| Efficiency ratio | 71.4286% | 3,526 |
| Assets per employee ($millions) | 4.2569% | 3,314 |
| Cash dividends to net income (ytd only)* | 115.9150% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,096 |
| Loan loss allowance to noncurrent loans | 71.0565% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.3146% | 1,705 |
| Noncurrent loans to loans | 2.6267% | 1,612 |
| Net loans and leases to total assets | 83.7178% | 262 |
| Net loans and leases to deposits | 96.3428% | 665 |
| Net loans and leases to core deposits | 108.0078% | 669 |
| Total domestic deposits to total assets | 86.8958% | 2,749 |
| Equity capital to assets | 9.5302% | 4,514 |
| Core capital (leverage) ratio | 8.8133% | 5,393 |
| Tier 1 risk-based capital ratio | 10.1392% | 6,558 |
| Total risk-based capital ratio | 11.3980% | 6,527 |
| Memoranda: | ||
| Average total assets | $256,226,750 | 2,486 |
| Average earning assets | $235,001,000 | 2,483 |
| Average equity | $26,390,500 | 2,543 |
| Average total loans | $212,345,750 | 1,916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 1,218 |
| Cost of funding earning assets | 0.6118% | 2,830 |
| Net interest margin | 4.2374% | 1,176 |
| Noninterest income to average assets | 1.1873% | 1,079 |
| Noninterest expense to average assets | 3.5722% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5031% | 894 |
| Return on assets (ROA) | 1.5078% | 955 |
| Pretax return on assets | 1.5078% | 1,593 |
| Return on Equity (ROE) | 14.2541% | 955 |
| Retained earnings to average equity (ytd only) | -4.1684% | 6,407 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3849% | 3,752 |
| Assets per employee ($millions) | 3.9976% | 3,807 |
| Cash dividends to net income (ytd only)* | 129.2438% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 1,649 |
| Loan loss allowance to noncurrent loans | 59.5206% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.9835% | 1,367 |
| Noncurrent loans to loans | 3.5114% | 1,207 |
| Net loans and leases to total assets | 81.2869% | 409 |
| Net loans and leases to deposits | 94.8656% | 747 |
| Net loans and leases to core deposits | 104.3936% | 826 |
| Total domestic deposits to total assets | 85.6863% | 3,538 |
| Equity capital to assets | 10.3280% | 3,516 |
| Core capital (leverage) ratio | 9.2365% | 4,641 |
| Tier 1 risk-based capital ratio | 11.2204% | 6,233 |
| Total risk-based capital ratio | 12.4820% | 6,197 |
| Memoranda: | ||
| Average total assets | $250,822,670 | 2,547 |
| Average earning assets | $230,139,670 | 2,540 |
| Average equity | $26,532,670 | 2,533 |
| Average total loans | $205,655,000 | 1,969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,116 |
| Cost of funding earning assets | 0.6226% | 2,900 |
| Net interest margin | 4.2657% | 1,035 |
| Noninterest income to average assets | 1.1793% | 1,078 |
| Noninterest expense to average assets | 3.5204% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5677% | 750 |
| Return on assets (ROA) | 1.5677% | 813 |
| Pretax return on assets | 1.5677% | 1,385 |
| Return on Equity (ROE) | 14.6453% | 832 |
| Retained earnings to average equity (ytd only) | -3.2844% | 6,211 |
| Net charge-offs to loans | 0.0078% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 245.2500% | 159 |
| Efficiency ratio | 69.1897% | 4,116 |
| Assets per employee ($millions) | 4.4601% | 3,049 |
| Cash dividends to net income (ytd only)* | 122.4261% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1559% | 1,674 |
| Loan loss allowance to noncurrent loans | 58.8410% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.0677% | 1,450 |
| Noncurrent loans to loans | 3.6639% | 1,292 |
| Net loans and leases to total assets | 79.3360% | 490 |
| Net loans and leases to deposits | 89.6737% | 996 |
| Net loans and leases to core deposits | 98.5086% | 1,043 |
| Total domestic deposits to total assets | 88.4719% | 2,028 |
| Equity capital to assets | 10.6681% | 3,353 |
| Core capital (leverage) ratio | 9.2579% | 4,467 |
| Tier 1 risk-based capital ratio | 11.8378% | 6,006 |
| Total risk-based capital ratio | 13.1005% | 5,972 |
| Memoranda: | ||
| Average total assets | $250,309,000 | 2,579 |
| Average earning assets | $229,365,500 | 2,569 |
| Average equity | $26,793,500 | 2,538 |
| Average total loans | $203,937,000 | 1,995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 581 |
| Cost of funding earning assets | 0.9808% | 1,463 |
| Net interest margin | 4.5540% | 853 |
| Noninterest income to average assets | 0.6328% | 3,092 |
| Noninterest expense to average assets | 3.0051% | 3,252 |
| Loan and lease loss provision to assets | -0.1549% | 6,950 |
| Net operating income to assets | 1.9356% | 408 |
| Return on assets (ROA) | 1.9688% | 409 |
| Pretax return on assets | 1.9688% | 634 |
| Return on Equity (ROE) | 18.7186% | 381 |
| Retained earnings to average equity (ytd only) | 6.3743% | 1,890 |
| Net charge-offs to loans | 0.4379% | 2,484 |
| Credit loss provision to net charge-offs | -43.2155% | 6,271 |
| Earnings coverage of net charge-offs (x) | 4.9669% | 3,191 |
| Efficiency ratio | 62.7915% | 5,119 |
| Assets per employee ($millions) | 3.9818% | 3,988 |
| Cash dividends to net income (ytd only)* | 65.9468% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,693 |
| Loan loss allowance to noncurrent loans | 56.4527% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 3.1943% | 1,455 |
| Noncurrent loans to loans | 3.7696% | 1,288 |
| Net loans and leases to total assets | 80.1204% | 462 |
| Net loans and leases to deposits | 91.9802% | 913 |
| Net loans and leases to core deposits | 101.8146% | 899 |
| Total domestic deposits to total assets | 87.1061% | 2,771 |
| Equity capital to assets | 10.7401% | 3,231 |
| Core capital (leverage) ratio | 9.5695% | 4,009 |
| Tier 1 risk-based capital ratio | 11.7648% | 5,923 |
| Total risk-based capital ratio | 13.0273% | 5,888 |
| Memoranda: | ||
| Average total assets | $244,620,800 | 2,577 |
| Average earning assets | $223,080,600 | 2,585 |
| Average equity | $25,728,400 | 2,593 |
| Average total loans | $200,275,200 | 2,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 476 |
| Cost of funding earning assets | 1.0496% | 1,281 |
| Net interest margin | 4.6314% | 772 |
| Noninterest income to average assets | 0.6089% | 3,218 |
| Noninterest expense to average assets | 3.0301% | 3,127 |
| Loan and lease loss provision to assets | -0.2079% | 7,090 |
| Net operating income to assets | 2.0055% | 387 |
| Return on assets (ROA) | 2.0499% | 402 |
| Pretax return on assets | 2.0499% | 629 |
| Return on Equity (ROE) | 19.5970% | 354 |
| Retained earnings to average equity (ytd only) | 4.0379% | 4,047 |
| Net charge-offs to loans | 0.5052% | 2,098 |
| Credit loss provision to net charge-offs | -50.2653% | 6,180 |
| Earnings coverage of net charge-offs (x) | 4.3461% | 3,329 |
| Efficiency ratio | 62.7656% | 5,019 |
| Assets per employee ($millions) | 3.6165% | 4,725 |
| Cash dividends to net income (ytd only)* | 79.3952% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 1,529 |
| Loan loss allowance to noncurrent loans | 60.7408% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 3.3697% | 1,501 |
| Noncurrent loans to loans | 3.7785% | 1,405 |
| Net loans and leases to total assets | 78.9385% | 616 |
| Net loans and leases to deposits | 90.8151% | 1,066 |
| Net loans and leases to core deposits | 102.1889% | 973 |
| Total domestic deposits to total assets | 86.9223% | 2,722 |
| Equity capital to assets | 10.7687% | 3,532 |
| Core capital (leverage) ratio | 9.1983% | 4,770 |
| Tier 1 risk-based capital ratio | 11.9786% | 5,948 |
| Total risk-based capital ratio | 13.2434% | 5,927 |
| Memoranda: | ||
| Average total assets | $243,062,250 | 2,621 |
| Average earning assets | $221,412,000 | 2,621 |
| Average equity | $25,425,000 | 2,645 |
| Average total loans | $199,005,000 | 2,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 420 |
| Cost of funding earning assets | 1.0676% | 1,366 |
| Net interest margin | 4.7043% | 668 |
| Noninterest income to average assets | 0.5450% | 3,616 |
| Noninterest expense to average assets | 3.0200% | 3,184 |
| Loan and lease loss provision to assets | -0.3115% | 7,180 |
| Net operating income to assets | 2.1322% | 312 |
| Return on assets (ROA) | 2.1988% | 321 |
| Pretax return on assets | 2.1988% | 484 |
| Return on Equity (ROE) | 21.2282% | 279 |
| Retained earnings to average equity (ytd only) | 1.9681% | 5,213 |
| Net charge-offs to loans | 0.5088% | 2,056 |
| Credit loss provision to net charge-offs | -74.4597% | 6,039 |
| Earnings coverage of net charge-offs (x) | 4.3517% | 3,113 |
| Efficiency ratio | 62.3875% | 5,186 |
| Assets per employee ($millions) | 3.6548% | 4,628 |
| Cash dividends to net income (ytd only)* | 90.7290% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,441 |
| Loan loss allowance to noncurrent loans | 59.1215% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.5957% | 1,463 |
| Noncurrent loans to loans | 4.0284% | 1,368 |
| Net loans and leases to total assets | 79.3065% | 584 |
| Net loans and leases to deposits | 92.3966% | 905 |
| Net loans and leases to core deposits | 106.4558% | 723 |
| Total domestic deposits to total assets | 85.8327% | 3,436 |
| Equity capital to assets | 10.3898% | 3,824 |
| Core capital (leverage) ratio | 8.9207% | 5,022 |
| Tier 1 risk-based capital ratio | 11.5035% | 6,215 |
| Total risk-based capital ratio | 12.7693% | 6,182 |
| Memoranda: | ||
| Average total assets | $243,314,670 | 2,623 |
| Average earning assets | $222,179,000 | 2,618 |
| Average equity | $25,202,330 | 2,648 |
| Average total loans | $200,085,000 | 2,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 721 |
| Cost of funding earning assets | 1.0884% | 1,465 |
| Net interest margin | 4.4382% | 1,137 |
| Noninterest income to average assets | 0.5096% | 3,847 |
| Noninterest expense to average assets | 3.0676% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5041% | 1,010 |
| Return on assets (ROA) | 1.6377% | 906 |
| Pretax return on assets | 1.6377% | 1,459 |
| Return on Equity (ROE) | 15.8357% | 828 |
| Retained earnings to average equity (ytd only) | -3.5084% | 6,447 |
| Net charge-offs to loans | 0.7396% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4582% | 3,191 |
| Efficiency ratio | 67.0996% | 4,336 |
| Assets per employee ($millions) | 3.8554% | 4,302 |
| Cash dividends to net income (ytd only)* | 122.1551% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6266% | 1,195 |
| Loan loss allowance to noncurrent loans | 55.9638% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.9344% | 1,411 |
| Noncurrent loans to loans | 4.6934% | 1,211 |
| Net loans and leases to total assets | 78.9532% | 490 |
| Net loans and leases to deposits | 90.8431% | 889 |
| Net loans and leases to core deposits | 104.2667% | 757 |
| Total domestic deposits to total assets | 86.9116% | 3,007 |
| Equity capital to assets | 10.1040% | 3,996 |
| Core capital (leverage) ratio | 8.8567% | 5,053 |
| Tier 1 risk-based capital ratio | 11.4758% | 6,297 |
| Total risk-based capital ratio | 12.7459% | 6,264 |
| Memoranda: | ||
| Average total assets | $242,535,000 | 2,638 |
| Average earning assets | $221,983,000 | 2,636 |
| Average equity | $25,082,500 | 2,655 |
| Average total loans | $200,658,000 | 2,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 437 |
| Cost of funding earning assets | 1.2253% | 1,870 |
| Net interest margin | 4.7647% | 666 |
| Noninterest income to average assets | 0.4045% | 4,577 |
| Noninterest expense to average assets | 3.0666% | 3,328 |
| Loan and lease loss provision to assets | 0.4151% | 2,515 |
| Net operating income to assets | 1.2915% | 1,272 |
| Return on assets (ROA) | 1.3037% | 1,343 |
| Pretax return on assets | 1.3037% | 2,117 |
| Return on Equity (ROE) | 12.0913% | 1,383 |
| Retained earnings to average equity (ytd only) | -2.9237% | 6,263 |
| Net charge-offs to loans | 0.8266% | 2,095 |
| Credit loss provision to net charge-offs | 59.8171% | 5,175 |
| Earnings coverage of net charge-offs (x) | 2.4591% | 3,982 |
| Efficiency ratio | 61.7465% | 5,497 |
| Assets per employee ($millions) | 4.4967% | 2,919 |
| Cash dividends to net income (ytd only)* | 124.1805% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7956% | 984 |
| Loan loss allowance to noncurrent loans | 65.5405% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 1,521 |
| Noncurrent loans to loans | 4.2654% | 1,433 |
| Net loans and leases to total assets | 82.0820% | 334 |
| Net loans and leases to deposits | 95.1053% | 737 |
| Net loans and leases to core deposits | 111.8191% | 570 |
| Total domestic deposits to total assets | 86.3065% | 3,139 |
| Equity capital to assets | 10.5881% | 3,429 |
| Core capital (leverage) ratio | 9.1317% | 4,572 |
| Tier 1 risk-based capital ratio | 11.6768% | 6,038 |
| Total risk-based capital ratio | 12.9496% | 6,013 |
| Memoranda: | ||
| Average total assets | $236,323,000 | 2,672 |
| Average earning assets | $216,678,600 | 2,650 |
| Average equity | $25,481,200 | 2,526 |
| Average total loans | $198,406,200 | 2,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0225% | 437 |
| Cost of funding earning assets | 1.2315% | 2,109 |
| Net interest margin | 4.7911% | 634 |
| Noninterest income to average assets | 0.4755% | 4,080 |
| Noninterest expense to average assets | 3.0893% | 3,201 |
| Loan and lease loss provision to assets | 0.1419% | 4,664 |
| Net operating income to assets | 1.6413% | 718 |
| Return on assets (ROA) | 1.6577% | 760 |
| Pretax return on assets | 1.6577% | 1,236 |
| Return on Equity (ROE) | 15.3045% | 788 |
| Retained earnings to average equity (ytd only) | 1.6390% | 5,320 |
| Net charge-offs to loans | 1.0400% | 1,537 |
| Credit loss provision to net charge-offs | 16.2776% | 5,605 |
| Earnings coverage of net charge-offs (x) | 2.0454% | 4,123 |
| Efficiency ratio | 60.7217% | 5,603 |
| Assets per employee ($millions) | 4.5749% | 2,800 |
| Cash dividends to net income (ytd only)* | 89.2905% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4846% | 1,417 |
| Loan loss allowance to noncurrent loans | 50.2162% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 4.6088% | 1,293 |
| Noncurrent loans to loans | 4.9477% | 1,268 |
| Net loans and leases to total assets | 82.3927% | 323 |
| Net loans and leases to deposits | 96.0075% | 697 |
| Net loans and leases to core deposits | 113.3991% | 569 |
| Total domestic deposits to total assets | 85.8190% | 3,317 |
| Equity capital to assets | 11.0376% | 3,107 |
| Core capital (leverage) ratio | 9.6913% | 3,864 |
| Tier 1 risk-based capital ratio | 12.1689% | 5,764 |
| Total risk-based capital ratio | 13.4373% | 5,733 |
| Memoranda: | ||
| Average total assets | $235,822,500 | 2,683 |
| Average earning assets | $216,425,750 | 2,666 |
| Average equity | $25,543,000 | 2,523 |
| Average total loans | $197,695,750 | 2,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0346% | 450 |
| Cost of funding earning assets | 1.2437% | 2,298 |
| Net interest margin | 4.7908% | 611 |
| Noninterest income to average assets | 0.5035% | 3,832 |
| Noninterest expense to average assets | 3.0451% | 3,455 |
| Loan and lease loss provision to assets | 0.6379% | 1,506 |
| Net operating income to assets | 1.2240% | 1,501 |
| Return on assets (ROA) | 1.2487% | 1,522 |
| Pretax return on assets | 1.2487% | 2,315 |
| Return on Equity (ROE) | 11.6026% | 1,605 |
| Retained earnings to average equity (ytd only) | -7.4295% | 6,737 |
| Net charge-offs to loans | 1.1567% | 1,346 |
| Credit loss provision to net charge-offs | 65.9631% | 4,178 |
| Earnings coverage of net charge-offs (x) | 1.9252% | 3,900 |
| Efficiency ratio | 59.3864% | 5,966 |
| Assets per employee ($millions) | 4.3934% | 3,006 |
| Cash dividends to net income (ytd only)* | 164.0327% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9279% | 953 |
| Loan loss allowance to noncurrent loans | 67.7153% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 4.2113% | 1,506 |
| Noncurrent loans to loans | 4.3238% | 1,562 |
| Net loans and leases to total assets | 83.9778% | 247 |
| Net loans and leases to deposits | 101.6552% | 418 |
| Net loans and leases to core deposits | 119.5308% | 431 |
| Total domestic deposits to total assets | 82.6104% | 4,942 |
| Equity capital to assets | 10.6823% | 3,304 |
| Core capital (leverage) ratio | 9.1086% | 4,552 |
| Tier 1 risk-based capital ratio | 11.5637% | 6,120 |
| Total risk-based capital ratio | 12.8393% | 6,090 |
| Memoranda: | ||
| Average total assets | $235,131,670 | 2,702 |
| Average earning assets | $216,122,000 | 2,691 |
| Average equity | $25,304,670 | 2,527 |
| Average total loans | $196,593,670 | 2,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 536 |
| Cost of funding earning assets | 1.2785% | 2,311 |
| Net interest margin | 4.6665% | 755 |
| Noninterest income to average assets | 0.4825% | 4,029 |
| Noninterest expense to average assets | 3.0169% | 3,570 |
| Loan and lease loss provision to assets | 0.8465% | 977 |
| Net operating income to assets | 0.9074% | 2,527 |
| Return on assets (ROA) | 0.9074% | 2,587 |
| Pretax return on assets | 0.9074% | 3,467 |
| Return on Equity (ROE) | 8.4013% | 2,740 |
| Retained earnings to average equity (ytd only) | -2.5549% | 6,227 |
| Net charge-offs to loans | 1.8767% | 688 |
| Credit loss provision to net charge-offs | 54.8847% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.1372% | 3,810 |
| Efficiency ratio | 60.5039% | 5,903 |
| Assets per employee ($millions) | 4.5196% | 2,858 |
| Cash dividends to net income (ytd only)* | 130.4104% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0270% | 899 |
| Loan loss allowance to noncurrent loans | 110.3720% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 2.7394% | 2,523 |
| Noncurrent loans to loans | 2.7426% | 2,757 |
| Net loans and leases to total assets | 80.0693% | 506 |
| Net loans and leases to deposits | 92.9398% | 924 |
| Net loans and leases to core deposits | 106.1210% | 933 |
| Total domestic deposits to total assets | 86.1518% | 3,434 |
| Equity capital to assets | 10.8374% | 2,848 |
| Core capital (leverage) ratio | 9.3486% | 4,054 |
| Tier 1 risk-based capital ratio | 12.4362% | 5,326 |
| Total risk-based capital ratio | 13.7128% | 5,272 |
| Memoranda: | ||
| Average total assets | $236,271,500 | 2,719 |
| Average earning assets | $217,122,500 | 2,700 |
| Average equity | $25,520,000 | 2,493 |
| Average total loans | $194,169,500 | 2,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2710% | 489 |
| Cost of funding earning assets | 1.6188% | 1,959 |
| Net interest margin | 4.6522% | 904 |
| Noninterest income to average assets | 0.3781% | 5,076 |
| Noninterest expense to average assets | 2.8458% | 4,419 |
| Loan and lease loss provision to assets | 0.7172% | 2,287 |
| Net operating income to assets | 1.0614% | 1,834 |
| Return on assets (ROA) | 1.0773% | 1,867 |
| Pretax return on assets | 1.0773% | 2,669 |
| Return on Equity (ROE) | 10.4130% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.5193% | 1,142 |
| Net charge-offs to loans | 0.4930% | 3,655 |
| Credit loss provision to net charge-offs | 175.5123% | 1,905 |
| Earnings coverage of net charge-offs (x) | 4.3525% | 2,955 |
| Efficiency ratio | 58.7506% | 6,240 |
| Assets per employee ($millions) | 5.1636% | 1,923 |
| Cash dividends to net income (ytd only)* | 27.7886% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2344% | 715 |
| Loan loss allowance to noncurrent loans | 136.3124% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4019% | 2,865 |
| Noncurrent loans to loans | 2.3728% | 3,147 |
| Net loans and leases to total assets | 79.1512% | 778 |
| Net loans and leases to deposits | 93.3615% | 1,115 |
| Net loans and leases to core deposits | 108.4979% | 1,016 |
| Total domestic deposits to total assets | 84.7792% | 3,955 |
| Equity capital to assets | 10.7652% | 2,891 |
| Core capital (leverage) ratio | 9.4339% | 3,793 |
| Tier 1 risk-based capital ratio | 12.4373% | 5,075 |
| Total risk-based capital ratio | 13.7164% | 5,038 |
| Memoranda: | ||
| Average total assets | $238,844,800 | 2,646 |
| Average earning assets | $218,004,800 | 2,656 |
| Average equity | $24,709,600 | 2,581 |
| Average total loans | $197,964,200 | 2,177 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3187% | 489 |
| Cost of funding earning assets | 1.6781% | 1,975 |
| Net interest margin | 4.6406% | 960 |
| Noninterest income to average assets | 0.5558% | 3,747 |
| Noninterest expense to average assets | 2.8793% | 4,166 |
| Loan and lease loss provision to assets | 0.8613% | 1,766 |
| Net operating income to assets | 1.0408% | 2,099 |
| Return on assets (ROA) | 1.0620% | 2,142 |
| Pretax return on assets | 1.0620% | 2,960 |
| Return on Equity (ROE) | 10.3694% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.6206% | 1,551 |
| Net charge-offs to loans | 0.4954% | 3,295 |
| Credit loss provision to net charge-offs | 209.0663% | 1,685 |
| Earnings coverage of net charge-offs (x) | 4.6170% | 2,975 |
| Efficiency ratio | 57.5259% | 6,338 |
| Assets per employee ($millions) | 5.1894% | 1,949 |
| Cash dividends to net income (ytd only)* | 26.5093% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2750% | 654 |
| Loan loss allowance to noncurrent loans | 122.9772% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8821% | 2,521 |
| Noncurrent loans to loans | 2.6631% | 2,968 |
| Net loans and leases to total assets | 78.6008% | 944 |
| Net loans and leases to deposits | 92.5942% | 1,375 |
| Net loans and leases to core deposits | 110.7876% | 993 |
| Total domestic deposits to total assets | 84.8874% | 3,673 |
| Equity capital to assets | 10.6198% | 3,386 |
| Core capital (leverage) ratio | 9.1344% | 4,476 |
| Tier 1 risk-based capital ratio | 12.0192% | 5,444 |
| Total risk-based capital ratio | 13.2985% | 5,385 |
| Memoranda: | ||
| Average total assets | $239,175,000 | 2,678 |
| Average earning assets | $217,781,750 | 2,691 |
| Average equity | $24,494,500 | 2,652 |
| Average total loans | $198,883,500 | 2,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3022% | 511 |
| Cost of funding earning assets | 1.7055% | 2,091 |
| Net interest margin | 4.5968% | 1,005 |
| Noninterest income to average assets | 0.5156% | 3,989 |
| Noninterest expense to average assets | 2.9290% | 3,963 |
| Loan and lease loss provision to assets | 0.9401% | 1,559 |
| Net operating income to assets | 0.8382% | 2,789 |
| Return on assets (ROA) | 0.8699% | 2,791 |
| Pretax return on assets | 0.8699% | 3,621 |
| Return on Equity (ROE) | 8.6001% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.2043% | 2,225 |
| Net charge-offs to loans | 0.6942% | 2,479 |
| Credit loss provision to net charge-offs | 161.6379% | 2,438 |
| Earnings coverage of net charge-offs (x) | 3.0575% | 3,474 |
| Efficiency ratio | 59.4887% | 6,146 |
| Assets per employee ($millions) | 5.0309% | 2,145 |
| Cash dividends to net income (ytd only)* | 27.8578% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9970% | 824 |
| Loan loss allowance to noncurrent loans | 114.4608% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 2.9803% | 2,392 |
| Noncurrent loans to loans | 2.6184% | 3,025 |
| Net loans and leases to total assets | 83.5810% | 388 |
| Net loans and leases to deposits | 99.9948% | 725 |
| Net loans and leases to core deposits | 119.4167% | 712 |
| Total domestic deposits to total assets | 83.5853% | 4,297 |
| Equity capital to assets | 10.6862% | 3,182 |
| Core capital (leverage) ratio | 8.6678% | 5,132 |
| Tier 1 risk-based capital ratio | 10.9016% | 6,342 |
| Total risk-based capital ratio | 12.1755% | 6,302 |
| Memoranda: | ||
| Average total assets | $239,328,670 | 2,709 |
| Average earning assets | $218,240,330 | 2,706 |
| Average equity | $24,209,000 | 2,671 |
| Average total loans | $200,516,670 | 2,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2295% | 603 |
| Cost of funding earning assets | 1.7283% | 2,245 |
| Net interest margin | 4.5012% | 1,139 |
| Noninterest income to average assets | 0.4406% | 4,559 |
| Noninterest expense to average assets | 2.7787% | 4,568 |
| Loan and lease loss provision to assets | 1.2331% | 986 |
| Net operating income to assets | 0.5311% | 4,227 |
| Return on assets (ROA) | 0.5935% | 4,063 |
| Pretax return on assets | 0.5935% | 4,628 |
| Return on Equity (ROE) | 6.0296% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.6099% | 3,374 |
| Net charge-offs to loans | 0.9847% | 1,664 |
| Credit loss provision to net charge-offs | 151.5152% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.1677% | 3,450 |
| Efficiency ratio | 58.3786% | 6,426 |
| Assets per employee ($millions) | 5.2039% | 1,963 |
| Cash dividends to net income (ytd only)* | 23.5457% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9097% | 890 |
| Loan loss allowance to noncurrent loans | 127.5165% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 2.5578% | 2,839 |
| Noncurrent loans to loans | 2.2818% | 3,414 |
| Net loans and leases to total assets | 79.1551% | 958 |
| Net loans and leases to deposits | 93.3606% | 1,428 |
| Net loans and leases to core deposits | 114.5386% | 1,014 |
| Total domestic deposits to total assets | 84.7843% | 3,765 |
| Equity capital to assets | 9.8474% | 4,055 |
| Core capital (leverage) ratio | 8.3133% | 5,717 |
| Tier 1 risk-based capital ratio | 10.8283% | 6,314 |
| Total risk-based capital ratio | 12.1020% | 6,275 |
| Memoranda: | ||
| Average total assets | $243,282,500 | 2,728 |
| Average earning assets | $221,718,500 | 2,716 |
| Average equity | $23,948,500 | 2,724 |
| Average total loans | $201,075,000 | 2,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2748% | 1,069 |
| Cost of funding earning assets | 2.1489% | 2,240 |
| Net interest margin | 4.1260% | 2,344 |
| Noninterest income to average assets | 0.6086% | 3,558 |
| Noninterest expense to average assets | 2.5832% | 5,849 |
| Loan and lease loss provision to assets | 1.5309% | 1,503 |
| Net operating income to assets | 0.2921% | 4,564 |
| Return on assets (ROA) | 0.2933% | 4,640 |
| Pretax return on assets | 0.2933% | 4,775 |
| Return on Equity (ROE) | 2.9751% | 4,511 |
| Retained earnings to average equity (ytd only) | -1.7389% | 5,444 |
| Net charge-offs to loans | 0.6062% | 3,401 |
| Credit loss provision to net charge-offs | 299.2851% | 1,114 |
| Earnings coverage of net charge-offs (x) | 3.5639% | 3,292 |
| Efficiency ratio | 55.7861% | 7,044 |
| Assets per employee ($millions) | 4.6535% | 2,682 |
| Cash dividends to net income (ytd only)* | 158.4488% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7359% | 986 |
| Loan loss allowance to noncurrent loans | 120.3515% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 2.0010% | 3,399 |
| Noncurrent loans to loans | 2.2733% | 3,313 |
| Net loans and leases to total assets | 81.4941% | 765 |
| Net loans and leases to deposits | 96.9394% | 1,214 |
| Net loans and leases to core deposits | 124.7586% | 1,589 |
| Total domestic deposits to total assets | 84.0670% | 3,997 |
| Equity capital to assets | 9.8404% | 3,955 |
| Core capital (leverage) ratio | 8.1774% | 5,854 |
| Tier 1 risk-based capital ratio | 10.4326% | 6,463 |
| Total risk-based capital ratio | 11.7034% | 6,411 |
| Memoranda: | ||
| Average total assets | $246,124,400 | 2,647 |
| Average earning assets | $226,539,400 | 2,632 |
| Average equity | $24,267,800 | 2,688 |
| Average total loans | $207,692,400 | 2,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2520% | 1,242 |
| Cost of funding earning assets | 2.2297% | 2,278 |
| Net interest margin | 4.0223% | 2,716 |
| Noninterest income to average assets | 0.6047% | 3,662 |
| Noninterest expense to average assets | 2.7318% | 5,181 |
| Loan and lease loss provision to assets | 1.0530% | 1,831 |
| Net operating income to assets | 0.5287% | 3,864 |
| Return on assets (ROA) | 0.5303% | 3,950 |
| Pretax return on assets | 0.5303% | 4,422 |
| Return on Equity (ROE) | 5.3755% | 3,799 |
| Retained earnings to average equity (ytd only) | 0.4703% | 5,007 |
| Net charge-offs to loans | 0.2980% | 4,166 |
| Credit loss provision to net charge-offs | 417.9872% | 953 |
| Earnings coverage of net charge-offs (x) | 6.2784% | 2,630 |
| Efficiency ratio | 60.4427% | 6,352 |
| Assets per employee ($millions) | 4.8148% | 2,376 |
| Cash dividends to net income (ytd only)* | 91.2515% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,452 |
| Loan loss allowance to noncurrent loans | 91.5217% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0851% | 3,229 |
| Noncurrent loans to loans | 2.3834% | 3,163 |
| Net loans and leases to total assets | 82.6003% | 727 |
| Net loans and leases to deposits | 98.4019% | 1,279 |
| Net loans and leases to core deposits | 124.9761% | 1,819 |
| Total domestic deposits to total assets | 83.9417% | 3,749 |
| Equity capital to assets | 9.9289% | 4,174 |
| Core capital (leverage) ratio | 8.3708% | 5,714 |
| Tier 1 risk-based capital ratio | 10.5375% | 6,431 |
| Total risk-based capital ratio | 11.8018% | 6,373 |
| Memoranda: | ||
| Average total assets | $247,160,000 | 2,652 |
| Average earning assets | $227,890,000 | 2,629 |
| Average equity | $24,381,750 | 2,703 |
| Average total loans | $208,928,500 | 2,229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2159% | 1,407 |
| Cost of funding earning assets | 2.3367% | 2,215 |
| Net interest margin | 3.8791% | 3,212 |
| Noninterest income to average assets | 0.6137% | 3,575 |
| Noninterest expense to average assets | 2.7461% | 5,195 |
| Loan and lease loss provision to assets | 0.8624% | 1,951 |
| Net operating income to assets | 0.5814% | 3,766 |
| Return on assets (ROA) | 0.5838% | 3,859 |
| Pretax return on assets | 0.5838% | 4,365 |
| Return on Equity (ROE) | 5.9306% | 3,686 |
| Retained earnings to average equity (ytd only) | 0.6070% | 4,944 |
| Net charge-offs to loans | 0.1222% | 4,941 |
| Credit loss provision to net charge-offs | 834.3750% | 565 |
| Earnings coverage of net charge-offs (x) | 13.9688% | 1,695 |
| Efficiency ratio | 62.5747% | 6,155 |
| Assets per employee ($millions) | 4.5667% | 2,669 |
| Cash dividends to net income (ytd only)* | 89.7649% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 1,809 |
| Loan loss allowance to noncurrent loans | 101.2987% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 3,527 |
| Noncurrent loans to loans | 1.8709% | 3,701 |
| Net loans and leases to total assets | 85.0773% | 496 |
| Net loans and leases to deposits | 101.6844% | 1,100 |
| Net loans and leases to core deposits | 125.9625% | 1,879 |
| Total domestic deposits to total assets | 83.6680% | 3,932 |
| Equity capital to assets | 10.0779% | 3,838 |
| Core capital (leverage) ratio | 8.2723% | 5,853 |
| Tier 1 risk-based capital ratio | 10.2748% | 6,624 |
| Total risk-based capital ratio | 11.5349% | 6,548 |
| Memoranda: | ||
| Average total assets | $247,694,670 | 2,655 |
| Average earning assets | $228,351,670 | 2,650 |
| Average equity | $24,382,000 | 2,713 |
| Average total loans | $209,453,670 | 2,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1462% | 1,778 |
| Cost of funding earning assets | 2.4436% | 2,127 |
| Net interest margin | 3.7026% | 3,880 |
| Noninterest income to average assets | 0.5476% | 3,948 |
| Noninterest expense to average assets | 2.7478% | 4,791 |
| Loan and lease loss provision to assets | 0.6866% | 1,843 |
| Net operating income to assets | 0.5221% | 4,331 |
| Return on assets (ROA) | 0.5221% | 4,517 |
| Pretax return on assets | 0.5221% | 5,012 |
| Return on Equity (ROE) | 5.3657% | 4,305 |
| Retained earnings to average equity (ytd only) | -0.2790% | 5,711 |
| Net charge-offs to loans | 0.1587% | 3,695 |
| Credit loss provision to net charge-offs | 518.0723% | 1,054 |
| Earnings coverage of net charge-offs (x) | 9.1205% | 2,105 |
| Efficiency ratio | 66.3438% | 5,261 |
| Assets per employee ($millions) | 4.6329% | 2,527 |
| Cash dividends to net income (ytd only)* | 105.1988% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 2,444 |
| Loan loss allowance to noncurrent loans | 144.0426% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 4,586 |
| Noncurrent loans to loans | 1.1245% | 4,737 |
| Net loans and leases to total assets | 82.1778% | 987 |
| Net loans and leases to deposits | 97.4356% | 1,746 |
| Net loans and leases to core deposits | 120.6252% | 2,359 |
| Total domestic deposits to total assets | 84.3407% | 3,538 |
| Equity capital to assets | 9.7027% | 4,379 |
| Core capital (leverage) ratio | 7.9676% | 6,517 |
| Tier 1 risk-based capital ratio | 10.0269% | 6,886 |
| Total risk-based capital ratio | 11.2829% | 6,796 |
| Memoranda: | ||
| Average total assets | $250,525,000 | 2,638 |
| Average earning assets | $230,647,000 | 2,639 |
| Average equity | $24,377,000 | 2,721 |
| Average total loans | $209,233,500 | 2,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7741% | 1,771 |
| Cost of funding earning assets | 2.9119% | 2,217 |
| Net interest margin | 3.8622% | 3,733 |
| Noninterest income to average assets | 0.4376% | 5,140 |
| Noninterest expense to average assets | 2.4467% | 6,224 |
| Loan and lease loss provision to assets | 0.9354% | 1,584 |
| Net operating income to assets | 0.5858% | 4,367 |
| Return on assets (ROA) | 0.5858% | 4,236 |
| Pretax return on assets | 0.5858% | 4,736 |
| Return on Equity (ROE) | 5.8323% | 4,014 |
| Retained earnings to average equity (ytd only) | 0.1100% | 5,168 |
| Net charge-offs to loans | 0.7818% | 1,592 |
| Credit loss provision to net charge-offs | 142.1904% | 3,727 |
| Earnings coverage of net charge-offs (x) | 2.3124% | 4,928 |
| Efficiency ratio | 58.4855% | 6,603 |
| Assets per employee ($millions) | 4.2521% | 3,029 |
| Cash dividends to net income (ytd only)* | 98.1132% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 2,926 |
| Loan loss allowance to noncurrent loans | 209.3728% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 5,351 |
| Noncurrent loans to loans | 0.6926% | 5,305 |
| Net loans and leases to total assets | 82.2942% | 1,175 |
| Net loans and leases to deposits | 97.6119% | 2,181 |
| Net loans and leases to core deposits | 121.3072% | 2,576 |
| Total domestic deposits to total assets | 84.3076% | 3,170 |
| Equity capital to assets | 9.7579% | 4,354 |
| Core capital (leverage) ratio | 8.2377% | 6,084 |
| Tier 1 risk-based capital ratio | 9.6604% | 7,131 |
| Total risk-based capital ratio | 10.9135% | 7,021 |
| Memoranda: | ||
| Average total assets | $244,292,400 | 2,606 |
| Average earning assets | $223,290,600 | 2,621 |
| Average equity | $24,535,600 | 2,686 |
| Average total loans | $205,545,800 | 2,245 |