Home > Northwest Bank > Performance and Condition Ratios
Northwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1323% | 202 |
| Cost of funding earning assets | 2.5341% | 344 |
| Net interest margin | 4.5982% | 529 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.3583% | 2,701 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.5584% | 921 |
| Return on assets (ROA) | 1.5118% | 967 |
| Pretax return on assets | 1.9823% | 694 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 13.2612% | 473 |
| Net charge-offs to loans | 0.2122% | 511 |
| Credit loss provision to net charge-offs | 146.6185% | 1,492 |
| Earnings coverage of net charge-offs (x) | 19.1858% | 1,907 |
| Efficiency ratio | 50.8331% | 3,921 |
| Assets per employee ($millions) | 10.8183% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,343 |
| Loan loss allowance to noncurrent loans | 366.7259% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,158 |
| Noncurrent loans to loans | 0.3855% | 1,830 |
| Net loans and leases to total assets | 54.5100% | 3,313 |
| Net loans and leases to deposits | 72.2211% | 2,742 |
| Net loans and leases to core deposits | 86.5954% | 2,267 |
| Total domestic deposits to total assets | 75.4800% | 3,990 |
| Equity capital to assets | 12.7481% | 924 |
| Core capital (leverage) ratio | 12.2349% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,285,588,000 | 810 |
| Average earning assets | $1,249,479,000 | 766 |
| Average equity | $146,563,200 | 685 |
| Average total loans | $717,720,800 | 931 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8722% | 218 |
| Cost of funding earning assets | 2.3664% | 352 |
| Net interest margin | 4.5058% | 612 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4403% | 2,407 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.4526% | 1,216 |
| Return on assets (ROA) | 1.3907% | 1,327 |
| Pretax return on assets | 1.8523% | 924 |
| Return on Equity (ROE) | 12.5800% | 1,984 |
| Retained earnings to average equity (ytd only) | 12.5829% | 875 |
| Net charge-offs to loans | 0.2130% | 412 |
| Credit loss provision to net charge-offs | 188.4413% | 1,159 |
| Earnings coverage of net charge-offs (x) | 17.9483% | 1,885 |
| Efficiency ratio | 53.2004% | 3,658 |
| Assets per employee ($millions) | 11.7391% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,401 |
| Loan loss allowance to noncurrent loans | 318.5119% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,094 |
| Noncurrent loans to loans | 0.4438% | 1,716 |
| Net loans and leases to total assets | 51.7000% | 3,517 |
| Net loans and leases to deposits | 64.4540% | 3,232 |
| Net loans and leases to core deposits | 75.9606% | 2,870 |
| Total domestic deposits to total assets | 80.2100% | 3,498 |
| Equity capital to assets | 11.1381% | 1,291 |
| Core capital (leverage) ratio | 11.8323% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,277,027,000 | 823 |
| Average earning assets | $1,242,419,250 | 773 |
| Average equity | $141,140,500 | 699 |
| Average total loans | $714,704,000 | 938 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6937% | 216 |
| Cost of funding earning assets | 2.1709% | 358 |
| Net interest margin | 4.5228% | 592 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.3734% | 2,580 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 1.3463% | 1,462 |
| Return on assets (ROA) | 1.2496% | 1,691 |
| Pretax return on assets | 1.6549% | 1,311 |
| Return on Equity (ROE) | 11.3400% | 2,342 |
| Retained earnings to average equity (ytd only) | 11.3409% | 1,116 |
| Net charge-offs to loans | 0.1714% | 461 |
| Credit loss provision to net charge-offs | 175.7475% | 1,105 |
| Earnings coverage of net charge-offs (x) | 22.5050% | 1,699 |
| Efficiency ratio | 51.6857% | 3,797 |
| Assets per employee ($millions) | 11.4721% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,664 |
| Loan loss allowance to noncurrent loans | 275.6986% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 1,832 |
| Noncurrent loans to loans | 0.4944% | 1,475 |
| Net loans and leases to total assets | 54.7300% | 3,213 |
| Net loans and leases to deposits | 66.8907% | 3,000 |
| Net loans and leases to core deposits | 82.0164% | 2,334 |
| Total domestic deposits to total assets | 81.8100% | 3,271 |
| Equity capital to assets | 11.5671% | 1,186 |
| Core capital (leverage) ratio | 12.2727% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,225,313,000 | 830 |
| Average earning assets | $1,192,702,667 | 791 |
| Average equity | $135,015,333 | 723 |
| Average total loans | $702,582,333 | 939 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4304% | 197 |
| Cost of funding earning assets | 1.8902% | 376 |
| Net interest margin | 4.5403% | 552 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5004% | 2,243 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.3959% | 1,422 |
| Return on assets (ROA) | 1.3959% | 1,398 |
| Pretax return on assets | 1.8574% | 977 |
| Return on Equity (ROE) | 13.0400% | 1,978 |
| Retained earnings to average equity (ytd only) | 13.0362% | 1,089 |
| Net charge-offs to loans | 0.1057% | 577 |
| Credit loss provision to net charge-offs | 90.6077% | 1,175 |
| Earnings coverage of net charge-offs (x) | 33.7680% | 1,261 |
| Efficiency ratio | 54.4487% | 3,561 |
| Assets per employee ($millions) | 10.7723% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,558 |
| Loan loss allowance to noncurrent loans | 254.6879% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 1,608 |
| Noncurrent loans to loans | 0.5565% | 1,329 |
| Net loans and leases to total assets | 55.2800% | 3,092 |
| Net loans and leases to deposits | 66.0205% | 2,932 |
| Net loans and leases to core deposits | 83.4999% | 2,024 |
| Total domestic deposits to total assets | 83.7400% | 3,142 |
| Equity capital to assets | 10.5004% | 1,559 |
| Core capital (leverage) ratio | 11.4273% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,172,589,500 | 879 |
| Average earning assets | $1,142,752,500 | 839 |
| Average equity | $125,558,000 | 786 |
| Average total loans | $684,706,000 | 976 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 271 |
| Cost of funding earning assets | 0.8194% | 362 |
| Net interest margin | 4.2428% | 479 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3154% | 2,676 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.3868% | 1,166 |
| Return on assets (ROA) | 1.3861% | 1,118 |
| Pretax return on assets | 1.8537% | 646 |
| Return on Equity (ROE) | 12.6500% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.4283% | 1,666 |
| Net charge-offs to loans | 0.7650% | 92 |
| Credit loss provision to net charge-offs | 54.6394% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.5303% | 2,414 |
| Efficiency ratio | 52.2359% | 3,959 |
| Assets per employee ($millions) | 10.5434% | 572 |
| Cash dividends to net income (ytd only)* | 33.3667% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,475 |
| Loan loss allowance to noncurrent loans | 246.2841% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 1,467 |
| Noncurrent loans to loans | 0.5710% | 1,302 |
| Net loans and leases to total assets | 59.9900% | 2,634 |
| Net loans and leases to deposits | 71.5233% | 2,451 |
| Net loans and leases to core deposits | 82.9369% | 1,938 |
| Total domestic deposits to total assets | 83.8700% | 3,236 |
| Equity capital to assets | 10.9274% | 1,289 |
| Core capital (leverage) ratio | 10.7320% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,081,128,600 | 917 |
| Average earning assets | $1,052,700,800 | 874 |
| Average equity | $118,469,600 | 827 |
| Average total loans | $657,869,200 | 959 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 586 |
| Cost of funding earning assets | 0.5228% | 669 |
| Net interest margin | 3.8757% | 840 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.2873% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2877% | 1,395 |
| Return on assets (ROA) | 1.2868% | 1,365 |
| Pretax return on assets | 1.7367% | 833 |
| Return on Equity (ROE) | 11.7300% | 2,130 |
| Retained earnings to average equity (ytd only) | 6.0351% | 2,741 |
| Net charge-offs to loans | 0.0472% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 60.4565% | 1,168 |
| Efficiency ratio | 56.7179% | 3,548 |
| Assets per employee ($millions) | 10.5273% | 561 |
| Cash dividends to net income (ytd only)* | 48.5673% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 887 |
| Loan loss allowance to noncurrent loans | 97.8111% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 421 |
| Noncurrent loans to loans | 1.7323% | 377 |
| Net loans and leases to total assets | 59.1100% | 2,596 |
| Net loans and leases to deposits | 69.3072% | 2,432 |
| Net loans and leases to core deposits | 80.0679% | 1,900 |
| Total domestic deposits to total assets | 85.2800% | 3,221 |
| Equity capital to assets | 10.2931% | 1,472 |
| Core capital (leverage) ratio | 11.7095% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,066,739,250 | 931 |
| Average earning assets | $1,037,640,250 | 888 |
| Average equity | $116,979,750 | 847 |
| Average total loans | $649,130,750 | 966 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 788 |
| Cost of funding earning assets | 0.3177% | 1,549 |
| Net interest margin | 3.7683% | 805 |
| Noninterest income to average assets | 0.3200% | 3,258 |
| Noninterest expense to average assets | 2.3012% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2442% | 1,294 |
| Return on assets (ROA) | 1.2427% | 1,284 |
| Pretax return on assets | 1.6769% | 796 |
| Return on Equity (ROE) | 11.0786% | 1,956 |
| Retained earnings to average equity (ytd only) | 2.4759% | 3,623 |
| Net charge-offs to loans | -0.0145% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7074% | 3,598 |
| Assets per employee ($millions) | 8.9535% | 900 |
| Cash dividends to net income (ytd only)* | 77.6518% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 781 |
| Loan loss allowance to noncurrent loans | 105.6260% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 338 |
| Noncurrent loans to loans | 1.7272% | 396 |
| Net loans and leases to total assets | 70.4443% | 1,259 |
| Net loans and leases to deposits | 84.0594% | 1,112 |
| Net loans and leases to core deposits | 93.4644% | 943 |
| Total domestic deposits to total assets | 83.8029% | 3,726 |
| Equity capital to assets | 12.6225% | 738 |
| Core capital (leverage) ratio | 11.7622% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,036,317,667 | 944 |
| Average earning assets | $1,006,560,667 | 909 |
| Average equity | $116,241,667 | 860 |
| Average total loans | $633,423,333 | 979 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 1,452 |
| Cost of funding earning assets | 0.2740% | 1,888 |
| Net interest margin | 3.3448% | 1,458 |
| Noninterest income to average assets | 0.3161% | 3,205 |
| Noninterest expense to average assets | 2.2536% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0046% | 1,867 |
| Return on assets (ROA) | 1.0046% | 1,858 |
| Pretax return on assets | 1.3221% | 1,444 |
| Return on Equity (ROE) | 9.4560% | 2,169 |
| Retained earnings to average equity (ytd only) | -7.7617% | 4,521 |
| Net charge-offs to loans | -0.0769% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9118% | 3,154 |
| Assets per employee ($millions) | 10.7045% | 556 |
| Cash dividends to net income (ytd only)* | 182.0830% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9766% | 645 |
| Loan loss allowance to noncurrent loans | 109.0803% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 488 |
| Noncurrent loans to loans | 1.8120% | 425 |
| Net loans and leases to total assets | 55.1627% | 2,613 |
| Net loans and leases to deposits | 64.4421% | 2,487 |
| Net loans and leases to core deposits | 70.2276% | 2,277 |
| Total domestic deposits to total assets | 85.6005% | 3,381 |
| Equity capital to assets | 10.4495% | 1,608 |
| Core capital (leverage) ratio | 10.5781% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,093,371,500 | 913 |
| Average earning assets | $1,065,523,000 | 883 |
| Average equity | $116,159,500 | 882 |
| Average total loans | $619,277,000 | 995 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 1,713 |
| Cost of funding earning assets | 0.3257% | 2,157 |
| Net interest margin | 3.5406% | 1,627 |
| Noninterest income to average assets | 0.3268% | 3,454 |
| Noninterest expense to average assets | 1.9400% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3666% | 1,390 |
| Return on assets (ROA) | 1.3752% | 1,411 |
| Pretax return on assets | 1.8403% | 836 |
| Return on Equity (ROE) | 12.8120% | 1,521 |
| Retained earnings to average equity (ytd only) | 12.8120% | 422 |
| Net charge-offs to loans | 0.0155% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 183.3173% | 571 |
| Efficiency ratio | 51.3518% | 4,175 |
| Assets per employee ($millions) | 10.9488% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 693 |
| Loan loss allowance to noncurrent loans | 89.6392% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 399 |
| Noncurrent loans to loans | 2.1496% | 344 |
| Net loans and leases to total assets | 55.9040% | 2,625 |
| Net loans and leases to deposits | 65.5496% | 2,552 |
| Net loans and leases to core deposits | 71.9196% | 2,269 |
| Total domestic deposits to total assets | 85.2850% | 3,176 |
| Equity capital to assets | 10.7980% | 1,939 |
| Core capital (leverage) ratio | 10.8097% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,042,121,600 | 932 |
| Average earning assets | $1,013,262,000 | 897 |
| Average equity | $111,856,000 | 926 |
| Average total loans | $670,057,400 | 912 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 1,418 |
| Cost of funding earning assets | 0.3375% | 2,227 |
| Net interest margin | 3.7159% | 1,304 |
| Noninterest income to average assets | 0.3321% | 3,445 |
| Noninterest expense to average assets | 2.0009% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4518% | 1,390 |
| Return on assets (ROA) | 1.4634% | 1,408 |
| Pretax return on assets | 1.9527% | 860 |
| Return on Equity (ROE) | 13.6554% | 1,497 |
| Retained earnings to average equity (ytd only) | 13.6554% | 545 |
| Net charge-offs to loans | 0.0272% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 107.5971% | 838 |
| Efficiency ratio | 50.6859% | 4,150 |
| Assets per employee ($millions) | 11.6837% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 660 |
| Loan loss allowance to noncurrent loans | 85.5278% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 457 |
| Noncurrent loans to loans | 2.3156% | 349 |
| Net loans and leases to total assets | 53.4674% | 3,030 |
| Net loans and leases to deposits | 62.4386% | 2,997 |
| Net loans and leases to core deposits | 69.1195% | 2,671 |
| Total domestic deposits to total assets | 85.6320% | 2,900 |
| Equity capital to assets | 10.4265% | 2,512 |
| Core capital (leverage) ratio | 10.6926% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,028,931,750 | 951 |
| Average earning assets | $998,703,750 | 914 |
| Average equity | $110,263,750 | 956 |
| Average total loans | $681,544,750 | 917 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 1,176 |
| Cost of funding earning assets | 0.3529% | 2,292 |
| Net interest margin | 3.8561% | 1,054 |
| Noninterest income to average assets | 0.3591% | 3,311 |
| Noninterest expense to average assets | 2.1002% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4831% | 1,343 |
| Return on assets (ROA) | 1.5017% | 1,350 |
| Pretax return on assets | 2.0251% | 798 |
| Return on Equity (ROE) | 13.8747% | 1,450 |
| Retained earnings to average equity (ytd only) | 13.8747% | 565 |
| Net charge-offs to loans | 0.0475% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 59.6845% | 972 |
| Efficiency ratio | 51.0901% | 4,137 |
| Assets per employee ($millions) | 11.1630% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 898 |
| Loan loss allowance to noncurrent loans | 82.2753% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 398 |
| Noncurrent loans to loans | 2.1770% | 415 |
| Net loans and leases to total assets | 66.0153% | 1,696 |
| Net loans and leases to deposits | 78.4073% | 1,578 |
| Net loans and leases to core deposits | 88.4579% | 1,238 |
| Total domestic deposits to total assets | 84.1953% | 3,367 |
| Equity capital to assets | 11.2657% | 1,782 |
| Core capital (leverage) ratio | 10.7119% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,001,926,000 | 962 |
| Average earning assets | $972,424,667 | 930 |
| Average equity | $108,442,000 | 956 |
| Average total loans | $706,909,000 | 890 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 1,125 |
| Cost of funding earning assets | 0.3591% | 2,449 |
| Net interest margin | 3.8873% | 1,011 |
| Noninterest income to average assets | 0.5765% | 2,305 |
| Noninterest expense to average assets | 2.1293% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6463% | 1,026 |
| Return on assets (ROA) | 1.6463% | 1,079 |
| Pretax return on assets | 2.2176% | 670 |
| Return on Equity (ROE) | 15.5239% | 1,106 |
| Retained earnings to average equity (ytd only) | 15.5239% | 568 |
| Net charge-offs to loans | 0.0501% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 61.2967% | 813 |
| Efficiency ratio | 48.8842% | 4,270 |
| Assets per employee ($millions) | 11.3417% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 1,126 |
| Loan loss allowance to noncurrent loans | 77.8518% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 427 |
| Noncurrent loans to loans | 2.1407% | 477 |
| Net loans and leases to total assets | 68.8239% | 1,425 |
| Net loans and leases to deposits | 81.8240% | 1,349 |
| Net loans and leases to core deposits | 92.1255% | 1,107 |
| Total domestic deposits to total assets | 84.1122% | 3,396 |
| Equity capital to assets | 10.5245% | 2,250 |
| Core capital (leverage) ratio | 10.4650% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,006,133,500 | 949 |
| Average earning assets | $975,883,500 | 915 |
| Average equity | $106,700,000 | 957 |
| Average total loans | $726,448,000 | 869 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,064 |
| Cost of funding earning assets | 0.5611% | 2,554 |
| Net interest margin | 4.0587% | 856 |
| Noninterest income to average assets | 0.2186% | 4,186 |
| Noninterest expense to average assets | 2.0846% | 3,967 |
| Loan and lease loss provision to assets | 0.6017% | 333 |
| Net operating income to assets | 1.1049% | 1,908 |
| Return on assets (ROA) | 1.1099% | 2,010 |
| Pretax return on assets | 1.4947% | 1,346 |
| Return on Equity (ROE) | 10.9424% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.9424% | 436 |
| Net charge-offs to loans | 0.2836% | 604 |
| Credit loss provision to net charge-offs | 285.1524% | 1,790 |
| Earnings coverage of net charge-offs (x) | 9.9046% | 2,499 |
| Efficiency ratio | 49.8223% | 4,543 |
| Assets per employee ($millions) | 11.0131% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,136 |
| Loan loss allowance to noncurrent loans | 70.9108% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 365 |
| Noncurrent loans to loans | 2.3416% | 451 |
| Net loans and leases to total assets | 73.2931% | 1,115 |
| Net loans and leases to deposits | 87.7144% | 1,120 |
| Net loans and leases to core deposits | 99.5708% | 919 |
| Total domestic deposits to total assets | 83.5588% | 3,244 |
| Equity capital to assets | 10.6897% | 2,534 |
| Core capital (leverage) ratio | 9.8264% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $963,893,000 | 908 |
| Average earning assets | $939,506,400 | 865 |
| Average equity | $97,766,400 | 980 |
| Average total loans | $717,267,000 | 858 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,513 |
| Cost of funding earning assets | 0.6055% | 2,577 |
| Net interest margin | 3.9191% | 1,305 |
| Noninterest income to average assets | 0.2378% | 4,067 |
| Noninterest expense to average assets | 2.1527% | 3,811 |
| Loan and lease loss provision to assets | 0.7779% | 241 |
| Net operating income to assets | 0.8365% | 2,961 |
| Return on assets (ROA) | 0.8432% | 3,063 |
| Pretax return on assets | 1.1387% | 2,607 |
| Return on Equity (ROE) | 8.4291% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.4291% | 1,160 |
| Net charge-offs to loans | 0.2222% | 687 |
| Credit loss provision to net charge-offs | 470.5882% | 1,334 |
| Earnings coverage of net charge-offs (x) | 11.5429% | 2,298 |
| Efficiency ratio | 52.8957% | 4,262 |
| Assets per employee ($millions) | 12.3780% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,150 |
| Loan loss allowance to noncurrent loans | 112.8445% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 993 |
| Noncurrent loans to loans | 1.4025% | 1,035 |
| Net loans and leases to total assets | 75.5003% | 1,160 |
| Net loans and leases to deposits | 88.6071% | 1,418 |
| Net loans and leases to core deposits | 102.2255% | 1,018 |
| Total domestic deposits to total assets | 85.2080% | 2,358 |
| Equity capital to assets | 9.5252% | 3,667 |
| Core capital (leverage) ratio | 9.3174% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $959,824,250 | 905 |
| Average earning assets | $936,289,250 | 860 |
| Average equity | $96,013,750 | 982 |
| Average total loans | $713,952,250 | 857 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,445 |
| Cost of funding earning assets | 0.6944% | 2,422 |
| Net interest margin | 3.9887% | 1,351 |
| Noninterest income to average assets | 0.3173% | 3,565 |
| Noninterest expense to average assets | 2.3424% | 3,420 |
| Loan and lease loss provision to assets | 1.0817% | 179 |
| Net operating income to assets | 0.5784% | 3,806 |
| Return on assets (ROA) | 0.5888% | 3,860 |
| Pretax return on assets | 0.7963% | 3,599 |
| Return on Equity (ROE) | 5.7815% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.7815% | 2,165 |
| Net charge-offs to loans | 0.3494% | 461 |
| Credit loss provision to net charge-offs | 421.2070% | 1,360 |
| Earnings coverage of net charge-offs (x) | 7.2615% | 2,379 |
| Efficiency ratio | 55.5567% | 3,999 |
| Assets per employee ($millions) | 12.2150% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,235 |
| Loan loss allowance to noncurrent loans | 121.0521% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,261 |
| Noncurrent loans to loans | 1.2472% | 1,251 |
| Net loans and leases to total assets | 75.7348% | 1,180 |
| Net loans and leases to deposits | 88.8447% | 1,472 |
| Net loans and leases to core deposits | 102.9917% | 1,061 |
| Total domestic deposits to total assets | 85.2439% | 2,285 |
| Equity capital to assets | 9.1926% | 3,933 |
| Core capital (leverage) ratio | 9.1384% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $929,054,667 | 915 |
| Average earning assets | $906,059,333 | 870 |
| Average equity | $94,612,333 | 988 |
| Average total loans | $682,890,333 | 868 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 793 |
| Cost of funding earning assets | 0.9108% | 1,813 |
| Net interest margin | 4.1890% | 943 |
| Noninterest income to average assets | 0.5602% | 2,231 |
| Noninterest expense to average assets | 2.4972% | 3,277 |
| Loan and lease loss provision to assets | 1.1862% | 153 |
| Net operating income to assets | 0.7076% | 3,248 |
| Return on assets (ROA) | 0.7076% | 3,328 |
| Pretax return on assets | 0.9572% | 2,977 |
| Return on Equity (ROE) | 6.5616% | 3,112 |
| Retained earnings to average equity (ytd only) | 6.5616% | 1,691 |
| Net charge-offs to loans | -0.0019% | 3,647 |
| Credit loss provision to net charge-offs | -85,833.3333% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7026% | 4,416 |
| Assets per employee ($millions) | 7.8380% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 791 |
| Loan loss allowance to noncurrent loans | 167.7706% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 1,770 |
| Noncurrent loans to loans | 1.0417% | 1,598 |
| Net loans and leases to total assets | 72.0049% | 1,918 |
| Net loans and leases to deposits | 83.3860% | 2,297 |
| Net loans and leases to core deposits | 99.9816% | 1,476 |
| Total domestic deposits to total assets | 86.3513% | 1,850 |
| Equity capital to assets | 11.0078% | 2,845 |
| Core capital (leverage) ratio | 10.6475% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $868,337,000 | 945 |
| Average earning assets | $845,829,000 | 893 |
| Average equity | $93,635,000 | 992 |
| Average total loans | $620,444,500 | 918 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 287 |
| Cost of funding earning assets | 1.0705% | 1,433 |
| Net interest margin | 4.7958% | 397 |
| Noninterest income to average assets | 0.2373% | 4,255 |
| Noninterest expense to average assets | 2.7445% | 2,767 |
| Loan and lease loss provision to assets | 0.2479% | 746 |
| Net operating income to assets | 1.4194% | 1,277 |
| Return on assets (ROA) | 1.4194% | 1,352 |
| Pretax return on assets | 1.9101% | 730 |
| Return on Equity (ROE) | 12.1567% | 1,453 |
| Retained earnings to average equity (ytd only) | 7.6758% | 1,089 |
| Net charge-offs to loans | 0.0527% | 2,357 |
| Credit loss provision to net charge-offs | 623.3553% | 498 |
| Earnings coverage of net charge-offs (x) | 54.2730% | 1,055 |
| Efficiency ratio | 55.8481% | 4,224 |
| Assets per employee ($millions) | 7.8779% | 746 |
| Cash dividends to net income (ytd only)* | 36.8596% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,671 |
| Loan loss allowance to noncurrent loans | 126.7081% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 1,733 |
| Noncurrent loans to loans | 1.0737% | 1,410 |
| Net loans and leases to total assets | 68.7286% | 2,578 |
| Net loans and leases to deposits | 78.7601% | 2,936 |
| Net loans and leases to core deposits | 96.6210% | 1,843 |
| Total domestic deposits to total assets | 87.2632% | 1,485 |
| Equity capital to assets | 10.5658% | 3,382 |
| Core capital (leverage) ratio | 11.0646% | 2,447 |
| Tier 1 risk-based capital ratio | 12.8193% | 3,884 |
| Total risk-based capital ratio | 14.0292% | 3,798 |
| Memoranda: | ||
| Average total assets | $764,554,400 | 1,012 |
| Average earning assets | $743,732,800 | 967 |
| Average equity | $89,267,600 | 985 |
| Average total loans | $577,216,000 | 942 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0473% | 218 |
| Cost of funding earning assets | 1.1099% | 1,309 |
| Net interest margin | 4.9373% | 325 |
| Noninterest income to average assets | 0.2844% | 4,037 |
| Noninterest expense to average assets | 2.8140% | 2,526 |
| Loan and lease loss provision to assets | 0.2245% | 763 |
| Net operating income to assets | 1.5136% | 1,158 |
| Return on assets (ROA) | 1.5136% | 1,213 |
| Pretax return on assets | 2.0463% | 621 |
| Return on Equity (ROE) | 12.6038% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.5624% | 2,080 |
| Net charge-offs to loans | 0.0730% | 1,778 |
| Credit loss provision to net charge-offs | 398.0707% | 761 |
| Earnings coverage of net charge-offs (x) | 40.2569% | 1,373 |
| Efficiency ratio | 55.2096% | 4,254 |
| Assets per employee ($millions) | 6.8601% | 1,088 |
| Cash dividends to net income (ytd only)* | 47.9329% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 1,962 |
| Loan loss allowance to noncurrent loans | 432.2852% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,678 |
| Noncurrent loans to loans | 0.3011% | 3,461 |
| Net loans and leases to total assets | 74.0099% | 1,819 |
| Net loans and leases to deposits | 85.9594% | 2,192 |
| Net loans and leases to core deposits | 105.2970% | 1,237 |
| Total domestic deposits to total assets | 86.0986% | 1,951 |
| Equity capital to assets | 11.4898% | 2,666 |
| Core capital (leverage) ratio | 11.1884% | 2,480 |
| Tier 1 risk-based capital ratio | 12.7525% | 3,989 |
| Total risk-based capital ratio | 13.8962% | 3,930 |
| Memoranda: | ||
| Average total assets | $735,111,000 | 1,037 |
| Average earning assets | $714,729,750 | 996 |
| Average equity | $88,278,250 | 992 |
| Average total loans | $567,826,000 | 954 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0842% | 206 |
| Cost of funding earning assets | 1.0770% | 1,390 |
| Net interest margin | 5.0072% | 288 |
| Noninterest income to average assets | 0.3617% | 3,511 |
| Noninterest expense to average assets | 2.8292% | 2,487 |
| Loan and lease loss provision to assets | 0.2301% | 710 |
| Net operating income to assets | 1.6085% | 889 |
| Return on assets (ROA) | 1.6085% | 930 |
| Pretax return on assets | 2.1749% | 469 |
| Return on Equity (ROE) | 13.1856% | 1,186 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,223 |
| Net charge-offs to loans | 0.0739% | 1,629 |
| Credit loss provision to net charge-offs | 398.5507% | 719 |
| Earnings coverage of net charge-offs (x) | 41.6618% | 1,218 |
| Efficiency ratio | 53.9187% | 4,479 |
| Assets per employee ($millions) | 7.0824% | 963 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,020 |
| Loan loss allowance to noncurrent loans | 350.1184% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 3,455 |
| Noncurrent loans to loans | 0.3710% | 3,194 |
| Net loans and leases to total assets | 73.4175% | 1,983 |
| Net loans and leases to deposits | 86.1142% | 2,247 |
| Net loans and leases to core deposits | 106.4319% | 1,220 |
| Total domestic deposits to total assets | 85.2560% | 2,359 |
| Equity capital to assets | 11.4998% | 2,606 |
| Core capital (leverage) ratio | 11.9927% | 1,834 |
| Tier 1 risk-based capital ratio | 12.9870% | 3,841 |
| Total risk-based capital ratio | 14.1420% | 3,799 |
| Memoranda: | ||
| Average total assets | $717,176,000 | 1,054 |
| Average earning assets | $697,876,330 | 1,013 |
| Average equity | $87,489,330 | 997 |
| Average total loans | $559,909,670 | 961 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2716% | 142 |
| Cost of funding earning assets | 1.0418% | 1,406 |
| Net interest margin | 5.2298% | 193 |
| Noninterest income to average assets | 0.3202% | 3,719 |
| Noninterest expense to average assets | 2.8034% | 2,556 |
| Loan and lease loss provision to assets | 0.2383% | 630 |
| Net operating income to assets | 1.7470% | 664 |
| Return on assets (ROA) | 1.7470% | 685 |
| Pretax return on assets | 2.3614% | 321 |
| Return on Equity (ROE) | 13.8815% | 994 |
| Retained earnings to average equity (ytd only) | 13.8815% | 365 |
| Net charge-offs to loans | 0.0864% | 1,239 |
| Credit loss provision to net charge-offs | 344.1667% | 760 |
| Earnings coverage of net charge-offs (x) | 37.5500% | 1,196 |
| Efficiency ratio | 51.7459% | 4,712 |
| Assets per employee ($millions) | 6.5114% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,169 |
| Loan loss allowance to noncurrent loans | 398.0845% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 3,612 |
| Noncurrent loans to loans | 0.3223% | 3,410 |
| Net loans and leases to total assets | 76.6046% | 1,382 |
| Net loans and leases to deposits | 91.3231% | 1,477 |
| Net loans and leases to core deposits | 114.1670% | 735 |
| Total domestic deposits to total assets | 83.8830% | 3,086 |
| Equity capital to assets | 12.5370% | 1,718 |
| Core capital (leverage) ratio | 12.5339% | 1,489 |
| Tier 1 risk-based capital ratio | 13.4105% | 3,659 |
| Total risk-based capital ratio | 14.5375% | 3,633 |
| Memoranda: | ||
| Average total assets | $693,312,500 | 1,088 |
| Average earning assets | $673,831,000 | 1,041 |
| Average equity | $87,253,000 | 991 |
| Average total loans | $555,382,500 | 973 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1970% | 126 |
| Cost of funding earning assets | 0.7837% | 1,615 |
| Net interest margin | 5.4133% | 127 |
| Noninterest income to average assets | 0.2747% | 4,268 |
| Noninterest expense to average assets | 2.9893% | 2,071 |
| Loan and lease loss provision to assets | 0.1947% | 973 |
| Net operating income to assets | 1.7606% | 602 |
| Return on assets (ROA) | 1.7620% | 599 |
| Pretax return on assets | 2.3418% | 277 |
| Return on Equity (ROE) | 14.1601% | 1,008 |
| Retained earnings to average equity (ytd only) | 14.1601% | 158 |
| Net charge-offs to loans | 0.1230% | 1,507 |
| Credit loss provision to net charge-offs | 190.2588% | 1,501 |
| Earnings coverage of net charge-offs (x) | 24.7732% | 1,797 |
| Efficiency ratio | 53.9483% | 4,625 |
| Assets per employee ($millions) | 6.6361% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,519 |
| Loan loss allowance to noncurrent loans | 481.7212% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 3,789 |
| Noncurrent loans to loans | 0.2511% | 3,683 |
| Net loans and leases to total assets | 81.7322% | 690 |
| Net loans and leases to deposits | 98.0517% | 897 |
| Net loans and leases to core deposits | 126.1094% | 394 |
| Total domestic deposits to total assets | 83.3562% | 3,211 |
| Equity capital to assets | 12.6353% | 1,520 |
| Core capital (leverage) ratio | 12.1901% | 1,619 |
| Tier 1 risk-based capital ratio | 12.8476% | 3,938 |
| Total risk-based capital ratio | 13.9230% | 3,921 |
| Memoranda: | ||
| Average total assets | $642,125,200 | 1,127 |
| Average earning assets | $622,674,200 | 1,081 |
| Average equity | $79,900,400 | 1,031 |
| Average total loans | $534,114,000 | 975 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 148 |
| Cost of funding earning assets | 0.7063% | 1,813 |
| Net interest margin | 5.3168% | 143 |
| Noninterest income to average assets | 0.3223% | 3,995 |
| Noninterest expense to average assets | 2.9975% | 2,020 |
| Loan and lease loss provision to assets | 0.1421% | 1,405 |
| Net operating income to assets | 1.7317% | 700 |
| Return on assets (ROA) | 1.7336% | 703 |
| Pretax return on assets | 2.3389% | 315 |
| Return on Equity (ROE) | 13.9897% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.9897% | 250 |
| Net charge-offs to loans | 0.0869% | 1,634 |
| Credit loss provision to net charge-offs | 196.2209% | 1,401 |
| Earnings coverage of net charge-offs (x) | 34.2322% | 1,492 |
| Efficiency ratio | 54.5643% | 4,554 |
| Assets per employee ($millions) | 6.5734% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,682 |
| Loan loss allowance to noncurrent loans | 461.7730% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,896 |
| Noncurrent loans to loans | 0.2576% | 3,766 |
| Net loans and leases to total assets | 80.6501% | 921 |
| Net loans and leases to deposits | 96.3869% | 1,104 |
| Net loans and leases to core deposits | 122.7161% | 501 |
| Total domestic deposits to total assets | 83.6733% | 3,052 |
| Equity capital to assets | 12.3185% | 1,686 |
| Core capital (leverage) ratio | 12.1350% | 1,705 |
| Tier 1 risk-based capital ratio | 12.6583% | 4,112 |
| Total risk-based capital ratio | 13.7174% | 4,105 |
| Memoranda: | ||
| Average total assets | $633,435,500 | 1,154 |
| Average earning assets | $614,034,000 | 1,095 |
| Average equity | $78,494,000 | 1,038 |
| Average total loans | $527,641,250 | 992 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 164 |
| Cost of funding earning assets | 0.6522% | 1,917 |
| Net interest margin | 5.2325% | 157 |
| Noninterest income to average assets | 0.3574% | 3,767 |
| Noninterest expense to average assets | 3.0563% | 1,891 |
| Loan and lease loss provision to assets | 0.1449% | 1,322 |
| Net operating income to assets | 1.6755% | 757 |
| Return on assets (ROA) | 1.6755% | 766 |
| Pretax return on assets | 2.2303% | 369 |
| Return on Equity (ROE) | 13.4920% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.4920% | 320 |
| Net charge-offs to loans | 0.0798% | 1,529 |
| Credit loss provision to net charge-offs | 216.3462% | 1,233 |
| Earnings coverage of net charge-offs (x) | 35.4615% | 1,379 |
| Efficiency ratio | 56.0918% | 4,465 |
| Assets per employee ($millions) | 6.0053% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,763 |
| Loan loss allowance to noncurrent loans | 438.3618% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,864 |
| Noncurrent loans to loans | 0.2724% | 3,738 |
| Net loans and leases to total assets | 82.7124% | 625 |
| Net loans and leases to deposits | 98.8829% | 891 |
| Net loans and leases to core deposits | 128.6801% | 357 |
| Total domestic deposits to total assets | 83.6468% | 3,196 |
| Equity capital to assets | 12.3740% | 1,613 |
| Core capital (leverage) ratio | 12.5051% | 1,433 |
| Tier 1 risk-based capital ratio | 12.4781% | 4,197 |
| Total risk-based capital ratio | 13.5490% | 4,190 |
| Memoranda: | ||
| Average total assets | $621,084,000 | 1,171 |
| Average earning assets | $602,276,000 | 1,112 |
| Average equity | $77,127,330 | 1,057 |
| Average total loans | $521,101,000 | 1,003 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 214 |
| Cost of funding earning assets | 0.6313% | 1,836 |
| Net interest margin | 5.0555% | 211 |
| Noninterest income to average assets | 0.4417% | 3,167 |
| Noninterest expense to average assets | 3.0475% | 1,953 |
| Loan and lease loss provision to assets | 0.1475% | 1,240 |
| Net operating income to assets | 1.6188% | 819 |
| Return on assets (ROA) | 1.6188% | 821 |
| Pretax return on assets | 2.1483% | 417 |
| Return on Equity (ROE) | 13.0110% | 1,258 |
| Retained earnings to average equity (ytd only) | 13.0110% | 520 |
| Net charge-offs to loans | 0.1638% | 868 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 16.6810% | 1,610 |
| Efficiency ratio | 56.8502% | 4,482 |
| Assets per employee ($millions) | 5.8002% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,761 |
| Loan loss allowance to noncurrent loans | 248.8951% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 3,204 |
| Noncurrent loans to loans | 0.4853% | 3,064 |
| Net loans and leases to total assets | 82.4157% | 613 |
| Net loans and leases to deposits | 98.0669% | 853 |
| Net loans and leases to core deposits | 127.8805% | 380 |
| Total domestic deposits to total assets | 84.0403% | 3,314 |
| Equity capital to assets | 12.5488% | 1,454 |
| Core capital (leverage) ratio | 12.1588% | 1,555 |
| Tier 1 risk-based capital ratio | 12.3299% | 4,359 |
| Total risk-based capital ratio | 13.3815% | 4,365 |
| Memoranda: | ||
| Average total assets | $610,343,500 | 1,200 |
| Average earning assets | $591,752,000 | 1,145 |
| Average equity | $75,935,500 | 1,081 |
| Average total loans | $512,700,000 | 1,026 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 312 |
| Cost of funding earning assets | 0.5476% | 1,972 |
| Net interest margin | 4.8496% | 308 |
| Noninterest income to average assets | 0.3835% | 3,738 |
| Noninterest expense to average assets | 2.9709% | 2,244 |
| Loan and lease loss provision to assets | 0.1735% | 1,256 |
| Net operating income to assets | 0.8782% | 2,827 |
| Return on assets (ROA) | 0.8782% | 2,847 |
| Pretax return on assets | 1.9405% | 556 |
| Return on Equity (ROE) | 6.9297% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.2410% | 1,415 |
| Net charge-offs to loans | 0.0386% | 3,025 |
| Credit loss provision to net charge-offs | 540.2174% | 592 |
| Earnings coverage of net charge-offs (x) | 65.8152% | 890 |
| Efficiency ratio | 58.1826% | 4,502 |
| Assets per employee ($millions) | 5.8822% | 1,600 |
| Cash dividends to net income (ytd only)* | 9.9384% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,739 |
| Loan loss allowance to noncurrent loans | 207.8708% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,921 |
| Noncurrent loans to loans | 0.5801% | 2,765 |
| Net loans and leases to total assets | 83.5689% | 492 |
| Net loans and leases to deposits | 99.5928% | 763 |
| Net loans and leases to core deposits | 128.9390% | 365 |
| Total domestic deposits to total assets | 83.9106% | 3,240 |
| Equity capital to assets | 12.3325% | 1,625 |
| Core capital (leverage) ratio | 11.6924% | 1,798 |
| Tier 1 risk-based capital ratio | 12.0326% | 4,501 |
| Total risk-based capital ratio | 13.0919% | 4,520 |
| Memoranda: | ||
| Average total assets | $572,848,600 | 1,246 |
| Average earning assets | $555,348,200 | 1,197 |
| Average equity | $72,600,800 | 1,095 |
| Average total loans | $476,762,000 | 1,073 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 342 |
| Cost of funding earning assets | 0.5210% | 2,102 |
| Net interest margin | 4.7740% | 359 |
| Noninterest income to average assets | 0.4487% | 3,342 |
| Noninterest expense to average assets | 3.0031% | 2,100 |
| Loan and lease loss provision to assets | 0.1913% | 1,011 |
| Net operating income to assets | 1.1907% | 1,735 |
| Return on assets (ROA) | 1.1907% | 1,768 |
| Pretax return on assets | 1.8786% | 725 |
| Return on Equity (ROE) | 9.3276% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.4026% | 1,051 |
| Net charge-offs to loans | -0.0046% | 4,441 |
| Credit loss provision to net charge-offs | -5,062.5000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9470% | 4,366 |
| Assets per employee ($millions) | 6.2506% | 1,337 |
| Cash dividends to net income (ytd only)* | 9.9167% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,495 |
| Loan loss allowance to noncurrent loans | 135.6392% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 2,241 |
| Noncurrent loans to loans | 0.9392% | 2,046 |
| Net loans and leases to total assets | 79.1995% | 1,096 |
| Net loans and leases to deposits | 94.4173% | 1,251 |
| Net loans and leases to core deposits | 120.6427% | 570 |
| Total domestic deposits to total assets | 83.8824% | 3,163 |
| Equity capital to assets | 12.3216% | 1,768 |
| Core capital (leverage) ratio | 11.9496% | 1,719 |
| Tier 1 risk-based capital ratio | 12.2878% | 4,441 |
| Total risk-based capital ratio | 13.3913% | 4,425 |
| Memoranda: | ||
| Average total assets | $564,593,250 | 1,268 |
| Average earning assets | $546,889,000 | 1,220 |
| Average equity | $72,071,250 | 1,111 |
| Average total loans | $467,827,750 | 1,095 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 351 |
| Cost of funding earning assets | 0.4897% | 2,254 |
| Net interest margin | 4.7765% | 339 |
| Noninterest income to average assets | 0.4641% | 3,261 |
| Noninterest expense to average assets | 3.0144% | 2,074 |
| Loan and lease loss provision to assets | 0.2542% | 656 |
| Net operating income to assets | 1.1429% | 1,811 |
| Return on assets (ROA) | 1.1429% | 1,863 |
| Pretax return on assets | 1.8188% | 803 |
| Return on Equity (ROE) | 8.8408% | 2,581 |
| Retained earnings to average equity (ytd only) | 7.4362% | 1,380 |
| Net charge-offs to loans | -0.0017% | 4,170 |
| Credit loss provision to net charge-offs | -17,500.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9877% | 4,469 |
| Assets per employee ($millions) | 6.4986% | 1,158 |
| Cash dividends to net income (ytd only)* | 15.8881% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,528 |
| Loan loss allowance to noncurrent loans | 130.1757% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 2,257 |
| Noncurrent loans to loans | 0.9813% | 1,998 |
| Net loans and leases to total assets | 78.5125% | 1,163 |
| Net loans and leases to deposits | 92.7449% | 1,394 |
| Net loans and leases to core deposits | 117.8048% | 645 |
| Total domestic deposits to total assets | 84.6543% | 2,959 |
| Equity capital to assets | 12.1566% | 1,823 |
| Core capital (leverage) ratio | 12.3910% | 1,421 |
| Tier 1 risk-based capital ratio | 12.1838% | 4,502 |
| Total risk-based capital ratio | 13.2895% | 4,490 |
| Memoranda: | ||
| Average total assets | $550,688,330 | 1,299 |
| Average earning assets | $533,024,330 | 1,249 |
| Average equity | $71,192,670 | 1,123 |
| Average total loans | $461,640,670 | 1,109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 313 |
| Cost of funding earning assets | 0.4629% | 2,400 |
| Net interest margin | 4.8444% | 289 |
| Noninterest income to average assets | 0.4811% | 3,107 |
| Noninterest expense to average assets | 3.0977% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2848% | 1,275 |
| Return on assets (ROA) | 1.2848% | 1,309 |
| Pretax return on assets | 2.0695% | 440 |
| Return on Equity (ROE) | 9.6127% | 2,132 |
| Retained earnings to average equity (ytd only) | 6.7737% | 1,942 |
| Net charge-offs to loans | -0.0018% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6710% | 4,500 |
| Assets per employee ($millions) | 5.7948% | 1,660 |
| Cash dividends to net income (ytd only)* | 29.5334% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,225 |
| Loan loss allowance to noncurrent loans | 301.9674% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,863 |
| Noncurrent loans to loans | 0.3925% | 3,695 |
| Net loans and leases to total assets | 84.0196% | 365 |
| Net loans and leases to deposits | 101.4477% | 520 |
| Net loans and leases to core deposits | 123.1300% | 385 |
| Total domestic deposits to total assets | 82.8206% | 3,910 |
| Equity capital to assets | 13.3373% | 1,133 |
| Core capital (leverage) ratio | 13.0754% | 1,116 |
| Tier 1 risk-based capital ratio | 12.7091% | 4,253 |
| Total risk-based capital ratio | 13.7570% | 4,290 |
| Memoranda: | ||
| Average total assets | $527,095,500 | 1,354 |
| Average earning assets | $509,871,000 | 1,292 |
| Average equity | $70,448,500 | 1,127 |
| Average total loans | $454,721,000 | 1,116 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 293 |
| Cost of funding earning assets | 0.4183% | 2,823 |
| Net interest margin | 4.9813% | 258 |
| Noninterest income to average assets | 0.3194% | 4,456 |
| Noninterest expense to average assets | 3.0559% | 2,154 |
| Loan and lease loss provision to assets | 0.2383% | 895 |
| Net operating income to assets | 1.1602% | 1,645 |
| Return on assets (ROA) | 1.1602% | 1,743 |
| Pretax return on assets | 1.8487% | 691 |
| Return on Equity (ROE) | 8.4493% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.1382% | 806 |
| Net charge-offs to loans | 0.0169% | 3,732 |
| Credit loss provision to net charge-offs | 1,633.8028% | 267 |
| Earnings coverage of net charge-offs (x) | 143.0986% | 442 |
| Efficiency ratio | 59.0646% | 4,719 |
| Assets per employee ($millions) | 6.0590% | 1,435 |
| Cash dividends to net income (ytd only)* | 3.6827% | 4,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,260 |
| Loan loss allowance to noncurrent loans | 2,950.5495% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,223 |
| Noncurrent loans to loans | 0.0399% | 5,094 |
| Net loans and leases to total assets | 86.5093% | 206 |
| Net loans and leases to deposits | 107.3335% | 293 |
| Net loans and leases to core deposits | 129.2034% | 295 |
| Total domestic deposits to total assets | 80.5986% | 4,431 |
| Equity capital to assets | 13.3942% | 1,092 |
| Core capital (leverage) ratio | 13.0262% | 1,124 |
| Tier 1 risk-based capital ratio | 12.4311% | 4,422 |
| Total risk-based capital ratio | 13.4737% | 4,438 |
| Memoranda: | ||
| Average total assets | $486,822,400 | 1,417 |
| Average earning assets | $471,399,800 | 1,343 |
| Average equity | $66,845,400 | 1,172 |
| Average total loans | $419,663,200 | 1,163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 290 |
| Cost of funding earning assets | 0.4090% | 2,935 |
| Net interest margin | 4.9967% | 252 |
| Noninterest income to average assets | 0.3638% | 4,176 |
| Noninterest expense to average assets | 3.1109% | 2,001 |
| Loan and lease loss provision to assets | 0.1979% | 1,073 |
| Net operating income to assets | 1.1923% | 1,659 |
| Return on assets (ROA) | 1.1923% | 1,759 |
| Pretax return on assets | 1.8943% | 714 |
| Return on Equity (ROE) | 8.6260% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.2065% | 1,085 |
| Net charge-offs to loans | 0.0237% | 3,199 |
| Credit loss provision to net charge-offs | 972.6027% | 420 |
| Earnings coverage of net charge-offs (x) | 102.8092% | 643 |
| Efficiency ratio | 59.4246% | 4,626 |
| Assets per employee ($millions) | 6.7351% | 988 |
| Cash dividends to net income (ytd only)* | 4.8633% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,463 |
| Loan loss allowance to noncurrent loans | 23,419.0476% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,529 |
| Noncurrent loans to loans | 0.0050% | 5,401 |
| Net loans and leases to total assets | 83.8365% | 419 |
| Net loans and leases to deposits | 102.1466% | 556 |
| Net loans and leases to core deposits | 117.9006% | 576 |
| Total domestic deposits to total assets | 82.0746% | 3,919 |
| Equity capital to assets | 13.7125% | 1,159 |
| Core capital (leverage) ratio | 13.2409% | 1,095 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,298 |
| Total risk-based capital ratio | 13.7770% | 4,359 |
| Memoranda: | ||
| Average total assets | $478,260,500 | 1,435 |
| Average earning assets | $463,205,000 | 1,376 |
| Average equity | $66,108,500 | 1,191 |
| Average total loans | $410,543,000 | 1,183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 319 |
| Cost of funding earning assets | 0.4028% | 3,012 |
| Net interest margin | 4.9611% | 276 |
| Noninterest income to average assets | 0.4547% | 3,492 |
| Noninterest expense to average assets | 3.2166% | 1,771 |
| Loan and lease loss provision to assets | 0.3011% | 596 |
| Net operating income to assets | 1.0909% | 1,991 |
| Return on assets (ROA) | 1.0909% | 2,118 |
| Pretax return on assets | 1.7423% | 997 |
| Return on Equity (ROE) | 7.8698% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.2334% | 1,496 |
| Net charge-offs to loans | 0.0369% | 2,718 |
| Credit loss provision to net charge-offs | 946.6667% | 393 |
| Earnings coverage of net charge-offs (x) | 64.2400% | 838 |
| Efficiency ratio | 60.7805% | 4,541 |
| Assets per employee ($millions) | 5.8284% | 1,527 |
| Cash dividends to net income (ytd only)* | 8.0871% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,727 |
| Loan loss allowance to noncurrent loans | 6,734.2466% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,553 |
| Noncurrent loans to loans | 0.0169% | 5,412 |
| Net loans and leases to total assets | 86.1331% | 242 |
| Net loans and leases to deposits | 109.9386% | 254 |
| Net loans and leases to core deposits | 125.6586% | 376 |
| Total domestic deposits to total assets | 78.3466% | 4,926 |
| Equity capital to assets | 13.4438% | 1,261 |
| Core capital (leverage) ratio | 13.2279% | 1,076 |
| Tier 1 risk-based capital ratio | 12.2555% | 4,672 |
| Total risk-based capital ratio | 13.2536% | 4,739 |
| Memoranda: | ||
| Average total assets | $471,547,330 | 1,454 |
| Average earning assets | $456,757,000 | 1,404 |
| Average equity | $65,363,670 | 1,202 |
| Average total loans | $406,471,000 | 1,194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 310 |
| Cost of funding earning assets | 0.3987% | 3,085 |
| Net interest margin | 4.9657% | 270 |
| Noninterest income to average assets | 0.2602% | 4,870 |
| Noninterest expense to average assets | 3.2184% | 1,796 |
| Loan and lease loss provision to assets | 0.2698% | 626 |
| Net operating income to assets | 0.9686% | 2,423 |
| Return on assets (ROA) | 0.9686% | 2,533 |
| Pretax return on assets | 1.5848% | 1,338 |
| Return on Equity (ROE) | 6.8763% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.8763% | 1,950 |
| Net charge-offs to loans | 0.0772% | 1,716 |
| Credit loss provision to net charge-offs | 407.8947% | 703 |
| Earnings coverage of net charge-offs (x) | 28.0395% | 1,225 |
| Efficiency ratio | 63.0468% | 4,295 |
| Assets per employee ($millions) | 5.7941% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,988 |
| Loan loss allowance to noncurrent loans | 5,715.1899% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,586 |
| Noncurrent loans to loans | 0.0195% | 5,428 |
| Net loans and leases to total assets | 85.5437% | 253 |
| Net loans and leases to deposits | 106.4225% | 321 |
| Net loans and leases to core deposits | 123.1384% | 384 |
| Total domestic deposits to total assets | 80.3812% | 4,663 |
| Equity capital to assets | 13.9270% | 1,013 |
| Core capital (leverage) ratio | 13.5851% | 950 |
| Tier 1 risk-based capital ratio | 12.6272% | 4,506 |
| Total risk-based capital ratio | 13.5942% | 4,592 |
| Memoranda: | ||
| Average total assets | $459,612,000 | 1,494 |
| Average earning assets | $445,457,000 | 1,438 |
| Average equity | $64,744,000 | 1,206 |
| Average total loans | $393,889,000 | 1,217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 563 |
| Cost of funding earning assets | 0.3763% | 3,411 |
| Net interest margin | 4.6792% | 470 |
| Noninterest income to average assets | 0.4779% | 3,478 |
| Noninterest expense to average assets | 3.2072% | 1,954 |
| Loan and lease loss provision to assets | 0.2787% | 656 |
| Net operating income to assets | 0.9362% | 2,678 |
| Return on assets (ROA) | 0.9362% | 2,760 |
| Pretax return on assets | 1.5139% | 1,513 |
| Return on Equity (ROE) | 6.4707% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.4707% | 1,557 |
| Net charge-offs to loans | 0.0074% | 4,183 |
| Credit loss provision to net charge-offs | 4,596.1538% | 81 |
| Earnings coverage of net charge-offs (x) | 295.6154% | 241 |
| Efficiency ratio | 63.6236% | 4,346 |
| Assets per employee ($millions) | 5.2929% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,917 |
| Loan loss allowance to noncurrent loans | 4,977.9070% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,619 |
| Noncurrent loans to loans | 0.0225% | 5,425 |
| Net loans and leases to total assets | 83.9086% | 401 |
| Net loans and leases to deposits | 101.5904% | 570 |
| Net loans and leases to core deposits | 118.4754% | 523 |
| Total domestic deposits to total assets | 82.5950% | 3,977 |
| Equity capital to assets | 14.2532% | 851 |
| Core capital (leverage) ratio | 13.3528% | 1,017 |
| Tier 1 risk-based capital ratio | 12.9803% | 4,333 |
| Total risk-based capital ratio | 13.9402% | 4,420 |
| Memoranda: | ||
| Average total assets | $428,749,600 | 1,553 |
| Average earning assets | $414,344,400 | 1,486 |
| Average equity | $62,033,600 | 1,213 |
| Average total loans | $349,322,200 | 1,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 584 |
| Cost of funding earning assets | 0.3723% | 3,520 |
| Net interest margin | 4.6549% | 492 |
| Noninterest income to average assets | 0.3731% | 4,267 |
| Noninterest expense to average assets | 3.1401% | 2,115 |
| Loan and lease loss provision to assets | 0.2610% | 634 |
| Net operating income to assets | 0.9285% | 2,812 |
| Return on assets (ROA) | 0.9285% | 2,899 |
| Pretax return on assets | 1.4682% | 1,767 |
| Return on Equity (ROE) | 6.3922% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.3922% | 2,022 |
| Net charge-offs to loans | -0.0035% | 4,769 |
| Credit loss provision to net charge-offs | -9,211.1111% | 5,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9379% | 4,261 |
| Assets per employee ($millions) | 5.3263% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 4,303 |
| Loan loss allowance to noncurrent loans | 2,182.3204% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,625 |
| Noncurrent loans to loans | 0.0498% | 5,414 |
| Net loans and leases to total assets | 78.4868% | 1,027 |
| Net loans and leases to deposits | 94.2378% | 1,176 |
| Net loans and leases to core deposits | 107.8183% | 991 |
| Total domestic deposits to total assets | 83.2860% | 3,706 |
| Equity capital to assets | 13.7607% | 1,119 |
| Core capital (leverage) ratio | 13.2189% | 1,124 |
| Tier 1 risk-based capital ratio | 13.5742% | 4,099 |
| Total risk-based capital ratio | 14.5185% | 4,200 |
| Memoranda: | ||
| Average total assets | $423,462,250 | 1,579 |
| Average earning assets | $409,017,250 | 1,516 |
| Average equity | $61,510,750 | 1,228 |
| Average total loans | $341,206,500 | 1,320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 444 |
| Cost of funding earning assets | 0.3759% | 3,543 |
| Net interest margin | 4.8021% | 364 |
| Noninterest income to average assets | 0.4972% | 3,394 |
| Noninterest expense to average assets | 3.2826% | 1,755 |
| Loan and lease loss provision to assets | 0.3297% | 420 |
| Net operating income to assets | 0.9531% | 2,615 |
| Return on assets (ROA) | 0.9531% | 2,733 |
| Pretax return on assets | 1.5241% | 1,576 |
| Return on Equity (ROE) | 6.4357% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.4357% | 1,984 |
| Net charge-offs to loans | -0.0054% | 4,756 |
| Credit loss provision to net charge-offs | -7,544.4444% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3708% | 4,451 |
| Assets per employee ($millions) | 5.4852% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,398 |
| Loan loss allowance to noncurrent loans | 1,800.9479% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,649 |
| Noncurrent loans to loans | 0.0603% | 5,490 |
| Net loans and leases to total assets | 84.0661% | 371 |
| Net loans and leases to deposits | 100.4170% | 627 |
| Net loans and leases to core deposits | 116.0530% | 589 |
| Total domestic deposits to total assets | 83.7171% | 3,683 |
| Equity capital to assets | 15.0780% | 689 |
| Core capital (leverage) ratio | 14.1991% | 785 |
| Tier 1 risk-based capital ratio | 13.9036% | 3,981 |
| Total risk-based capital ratio | 14.8447% | 4,094 |
| Memoranda: | ||
| Average total assets | $411,928,330 | 1,622 |
| Average earning assets | $397,954,000 | 1,557 |
| Average equity | $61,003,330 | 1,247 |
| Average total loans | $333,785,330 | 1,345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 564 |
| Cost of funding earning assets | 0.3896% | 3,418 |
| Net interest margin | 4.6168% | 483 |
| Noninterest income to average assets | 0.5803% | 2,772 |
| Noninterest expense to average assets | 3.1761% | 2,044 |
| Loan and lease loss provision to assets | 0.3338% | 404 |
| Net operating income to assets | 0.9568% | 2,469 |
| Return on assets (ROA) | 0.9568% | 2,603 |
| Pretax return on assets | 1.5323% | 1,452 |
| Return on Equity (ROE) | 6.5200% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.5200% | 2,232 |
| Net charge-offs to loans | -0.0025% | 4,370 |
| Credit loss provision to net charge-offs | -17,200.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4326% | 4,721 |
| Assets per employee ($millions) | 5.3090% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,745 |
| Loan loss allowance to noncurrent loans | 202.5776% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 4,341 |
| Noncurrent loans to loans | 0.5198% | 4,018 |
| Net loans and leases to total assets | 80.5349% | 632 |
| Net loans and leases to deposits | 96.2449% | 814 |
| Net loans and leases to core deposits | 113.3734% | 599 |
| Total domestic deposits to total assets | 83.6771% | 3,942 |
| Equity capital to assets | 15.1286% | 694 |
| Core capital (leverage) ratio | 14.2284% | 757 |
| Tier 1 risk-based capital ratio | 14.5031% | 3,718 |
| Total risk-based capital ratio | 15.4110% | 3,833 |
| Memoranda: | ||
| Average total assets | $412,198,500 | 1,633 |
| Average earning assets | $398,369,500 | 1,563 |
| Average equity | $60,490,500 | 1,267 |
| Average total loans | $325,859,000 | 1,373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 1,590 |
| Cost of funding earning assets | 0.3916% | 3,772 |
| Net interest margin | 4.1980% | 1,308 |
| Noninterest income to average assets | 0.7970% | 1,889 |
| Noninterest expense to average assets | 3.0937% | 2,535 |
| Loan and lease loss provision to assets | 0.2374% | 1,001 |
| Net operating income to assets | 1.1634% | 1,702 |
| Return on assets (ROA) | 1.1631% | 1,782 |
| Pretax return on assets | 1.5089% | 1,508 |
| Return on Equity (ROE) | 7.4802% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.4802% | 1,203 |
| Net charge-offs to loans | -0.0726% | 6,032 |
| Credit loss provision to net charge-offs | -424.2775% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5349% | 4,660 |
| Assets per employee ($millions) | 5.5384% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 5,226 |
| Loan loss allowance to noncurrent loans | 215.6618% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,682 |
| Noncurrent loans to loans | 0.4463% | 4,305 |
| Net loans and leases to total assets | 76.0733% | 1,256 |
| Net loans and leases to deposits | 94.8174% | 1,011 |
| Net loans and leases to core deposits | 112.3594% | 677 |
| Total domestic deposits to total assets | 80.2314% | 4,957 |
| Equity capital to assets | 14.2404% | 890 |
| Core capital (leverage) ratio | 16.6961% | 398 |
| Tier 1 risk-based capital ratio | 14.4109% | 3,823 |
| Total risk-based capital ratio | 15.2527% | 4,022 |
| Memoranda: | ||
| Average total assets | $309,172,800 | 2,105 |
| Average earning assets | $297,784,600 | 2,010 |
| Average equity | $48,073,600 | 1,499 |
| Average total loans | $238,199,400 | 1,772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 903 |
| Cost of funding earning assets | 0.4045% | 3,743 |
| Net interest margin | 4.5104% | 723 |
| Noninterest income to average assets | 0.2285% | 5,559 |
| Noninterest expense to average assets | 3.2835% | 1,942 |
| Loan and lease loss provision to assets | 0.2849% | 712 |
| Net operating income to assets | 0.6289% | 4,311 |
| Return on assets (ROA) | 0.6286% | 4,412 |
| Pretax return on assets | 0.9946% | 3,614 |
| Return on Equity (ROE) | 3.9195% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.9195% | 3,855 |
| Net charge-offs to loans | -0.0934% | 6,118 |
| Credit loss provision to net charge-offs | -395.3947% | 5,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4939% | 3,271 |
| Assets per employee ($millions) | 6.1014% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 3,829 |
| Loan loss allowance to noncurrent loans | 707.6555% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,666 |
| Noncurrent loans to loans | 0.1791% | 5,377 |
| Net loans and leases to total assets | 68.6569% | 2,443 |
| Net loans and leases to deposits | 80.9563% | 2,557 |
| Net loans and leases to core deposits | 98.3934% | 1,494 |
| Total domestic deposits to total assets | 84.8073% | 3,419 |
| Equity capital to assets | 13.6804% | 1,117 |
| Core capital (leverage) ratio | 14.4635% | 738 |
| Tier 1 risk-based capital ratio | 15.1496% | 3,508 |
| Total risk-based capital ratio | 16.1976% | 3,545 |
| Memoranda: | ||
| Average total assets | $281,237,250 | 2,281 |
| Average earning assets | $270,303,500 | 2,210 |
| Average equity | $45,107,000 | 1,602 |
| Average total loans | $216,920,250 | 1,940 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 547 |
| Cost of funding earning assets | 0.3872% | 4,028 |
| Net interest margin | 4.7698% | 434 |
| Noninterest income to average assets | 0.1444% | 6,098 |
| Noninterest expense to average assets | 3.3695% | 1,754 |
| Loan and lease loss provision to assets | 0.4568% | 348 |
| Net operating income to assets | 0.5538% | 4,579 |
| Return on assets (ROA) | 0.5534% | 4,684 |
| Pretax return on assets | 0.8772% | 3,972 |
| Return on Equity (ROE) | 3.2471% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.2471% | 4,138 |
| Net charge-offs to loans | -0.1050% | 6,165 |
| Credit loss provision to net charge-offs | -541.4414% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1262% | 3,484 |
| Assets per employee ($millions) | 5.0620% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,232 |
| Loan loss allowance to noncurrent loans | 669.0367% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,056 |
| Noncurrent loans to loans | 0.1849% | 5,456 |
| Net loans and leases to total assets | 80.7133% | 600 |
| Net loans and leases to deposits | 96.8679% | 749 |
| Net loans and leases to core deposits | 117.0981% | 451 |
| Total domestic deposits to total assets | 83.3231% | 4,180 |
| Equity capital to assets | 15.6882% | 596 |
| Core capital (leverage) ratio | 16.5972% | 399 |
| Tier 1 risk-based capital ratio | 15.0341% | 3,616 |
| Total risk-based capital ratio | 16.0842% | 3,671 |
| Memoranda: | ||
| Average total assets | $263,124,330 | 2,427 |
| Average earning assets | $251,539,000 | 2,344 |
| Average equity | $44,840,000 | 1,592 |
| Average total loans | $211,442,330 | 1,971 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 674 |
| Cost of funding earning assets | 0.3345% | 4,695 |
| Net interest margin | 4.7044% | 464 |
| Noninterest income to average assets | 0.2204% | 5,593 |
| Noninterest expense to average assets | 3.5173% | 1,456 |
| Loan and lease loss provision to assets | 0.5431% | 257 |
| Net operating income to assets | 0.4057% | 5,091 |
| Return on assets (ROA) | 0.4057% | 5,157 |
| Pretax return on assets | 0.6533% | 4,651 |
| Return on Equity (ROE) | 2.2766% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.2766% | 4,692 |
| Net charge-offs to loans | -0.0321% | 5,597 |
| Credit loss provision to net charge-offs | -2,125.0000% | 5,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1105% | 3,120 |
| Assets per employee ($millions) | 5.0585% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,665 |
| Loan loss allowance to noncurrent loans | 113.4190% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 3,063 |
| Noncurrent loans to loans | 1.0522% | 3,320 |
| Net loans and leases to total assets | 82.1919% | 343 |
| Net loans and leases to deposits | 100.7445% | 408 |
| Net loans and leases to core deposits | 116.3774% | 401 |
| Total domestic deposits to total assets | 81.5845% | 5,065 |
| Equity capital to assets | 17.3631% | 361 |
| Core capital (leverage) ratio | 17.6492% | 319 |
| Tier 1 risk-based capital ratio | 16.1090% | 3,119 |
| Total risk-based capital ratio | 17.1194% | 3,196 |
| Memoranda: | ||
| Average total assets | $250,418,500 | 2,551 |
| Average earning assets | $239,180,000 | 2,453 |
| Average equity | $44,627,000 | 1,596 |
| Average total loans | $199,261,500 | 2,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 371 |
| Cost of funding earning assets | 0.3497% | 5,138 |
| Net interest margin | 5.1347% | 239 |
| Noninterest income to average assets | 0.0808% | 6,457 |
| Noninterest expense to average assets | 3.4074% | 1,865 |
| Loan and lease loss provision to assets | 0.4818% | 583 |
| Net operating income to assets | 0.5851% | 4,335 |
| Return on assets (ROA) | 0.5310% | 4,718 |
| Pretax return on assets | 0.8618% | 3,909 |
| Return on Equity (ROE) | 2.9579% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.9579% | 4,139 |
| Net charge-offs to loans | 0.2268% | 2,644 |
| Credit loss provision to net charge-offs | 298.7277% | 764 |
| Earnings coverage of net charge-offs (x) | 8.8550% | 2,596 |
| Efficiency ratio | 69.8803% | 3,854 |
| Assets per employee ($millions) | 4.7618% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 4,667 |
| Loan loss allowance to noncurrent loans | 101.1468% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 3,089 |
| Noncurrent loans to loans | 1.1853% | 3,174 |
| Net loans and leases to total assets | 74.8251% | 1,240 |
| Net loans and leases to deposits | 93.0583% | 952 |
| Net loans and leases to core deposits | 109.0098% | 653 |
| Total domestic deposits to total assets | 80.4067% | 5,343 |
| Equity capital to assets | 18.3074% | 298 |
| Core capital (leverage) ratio | 17.6380% | 320 |
| Tier 1 risk-based capital ratio | 17.9075% | 2,271 |
| Total risk-based capital ratio | 18.8860% | 2,344 |
| Memoranda: | ||
| Average total assets | $243,675,200 | 2,588 |
| Average earning assets | $225,641,600 | 2,561 |
| Average equity | $43,747,600 | 1,596 |
| Average total loans | $173,302,400 | 2,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 509 |
| Cost of funding earning assets | 0.3579% | 5,217 |
| Net interest margin | 4.9694% | 337 |
| Noninterest income to average assets | 0.1678% | 6,183 |
| Noninterest expense to average assets | 3.3152% | 2,036 |
| Loan and lease loss provision to assets | 0.4078% | 733 |
| Net operating income to assets | 0.6136% | 4,287 |
| Return on assets (ROA) | 0.5440% | 4,749 |
| Pretax return on assets | 0.8988% | 3,891 |
| Return on Equity (ROE) | 3.0449% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.0449% | 4,495 |
| Net charge-offs to loans | 0.1047% | 3,491 |
| Credit loss provision to net charge-offs | 556.7164% | 502 |
| Earnings coverage of net charge-offs (x) | 19.3211% | 1,632 |
| Efficiency ratio | 69.4557% | 3,845 |
| Assets per employee ($millions) | 4.8666% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,118 |
| Loan loss allowance to noncurrent loans | 83.5796% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 3,137 |
| Noncurrent loans to loans | 1.3772% | 3,113 |
| Net loans and leases to total assets | 70.4439% | 1,884 |
| Net loans and leases to deposits | 86.4337% | 1,569 |
| Net loans and leases to core deposits | 99.2789% | 1,164 |
| Total domestic deposits to total assets | 81.5005% | 5,086 |
| Equity capital to assets | 17.7557% | 346 |
| Core capital (leverage) ratio | 17.3830% | 349 |
| Tier 1 risk-based capital ratio | 17.4232% | 2,531 |
| Total risk-based capital ratio | 18.3218% | 2,644 |
| Memoranda: | ||
| Average total assets | $243,880,750 | 2,601 |
| Average earning assets | $223,923,000 | 2,589 |
| Average equity | $43,569,500 | 1,614 |
| Average total loans | $170,648,000 | 2,306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 320 |
| Cost of funding earning assets | 0.3688% | 5,239 |
| Net interest margin | 5.2310% | 202 |
| Noninterest income to average assets | 0.1765% | 6,153 |
| Noninterest expense to average assets | 3.4862% | 1,635 |
| Loan and lease loss provision to assets | 0.4298% | 697 |
| Net operating income to assets | 0.6087% | 4,241 |
| Return on assets (ROA) | 0.5016% | 4,960 |
| Pretax return on assets | 0.8324% | 4,187 |
| Return on Equity (ROE) | 2.8016% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.8016% | 4,532 |
| Net charge-offs to loans | 0.1614% | 2,815 |
| Credit loss provision to net charge-offs | 383.0882% | 683 |
| Earnings coverage of net charge-offs (x) | 12.7426% | 1,958 |
| Efficiency ratio | 70.2970% | 3,770 |
| Assets per employee ($millions) | 4.5578% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,633 |
| Loan loss allowance to noncurrent loans | 58.8484% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 2,702 |
| Noncurrent loans to loans | 1.7822% | 2,655 |
| Net loans and leases to total assets | 73.4235% | 1,341 |
| Net loans and leases to deposits | 91.0245% | 1,049 |
| Net loans and leases to core deposits | 103.9745% | 843 |
| Total domestic deposits to total assets | 80.6635% | 5,434 |
| Equity capital to assets | 18.7717% | 269 |
| Core capital (leverage) ratio | 17.2363% | 351 |
| Tier 1 risk-based capital ratio | 17.8498% | 2,374 |
| Total risk-based capital ratio | 18.6868% | 2,509 |
| Memoranda: | ||
| Average total assets | $242,442,330 | 2,632 |
| Average earning assets | $219,654,000 | 2,643 |
| Average equity | $43,403,000 | 1,626 |
| Average total loans | $168,572,330 | 2,324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 388 |
| Cost of funding earning assets | 0.3813% | 5,272 |
| Net interest margin | 5.0822% | 248 |
| Noninterest income to average assets | 0.1503% | 6,352 |
| Noninterest expense to average assets | 3.2299% | 2,269 |
| Loan and lease loss provision to assets | 0.2716% | 1,306 |
| Net operating income to assets | 0.6885% | 3,748 |
| Return on assets (ROA) | 0.4785% | 4,944 |
| Pretax return on assets | 0.8018% | 4,162 |
| Return on Equity (ROE) | 2.7352% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.7352% | 4,645 |
| Net charge-offs to loans | 0.2785% | 1,844 |
| Credit loss provision to net charge-offs | 144.8276% | 1,399 |
| Earnings coverage of net charge-offs (x) | 7.4741% | 2,064 |
| Efficiency ratio | 69.1099% | 4,128 |
| Assets per employee ($millions) | 5.7539% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,207 |
| Loan loss allowance to noncurrent loans | 65.7461% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 3,449 |
| Noncurrent loans to loans | 1.4015% | 3,467 |
| Net loans and leases to total assets | 68.9561% | 1,848 |
| Net loans and leases to deposits | 85.4508% | 1,424 |
| Net loans and leases to core deposits | 96.5729% | 1,172 |
| Total domestic deposits to total assets | 80.6969% | 5,572 |
| Equity capital to assets | 18.9490% | 277 |
| Core capital (leverage) ratio | 16.8359% | 370 |
| Tier 1 risk-based capital ratio | 18.9531% | 2,057 |
| Total risk-based capital ratio | 19.6784% | 2,188 |
| Memoranda: | ||
| Average total assets | $247,440,500 | 2,607 |
| Average earning assets | $218,175,000 | 2,689 |
| Average equity | $43,287,500 | 1,648 |
| Average total loans | $166,619,000 | 2,357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,978 |
| Cost of funding earning assets | 0.4504% | 5,577 |
| Net interest margin | 4.4115% | 1,141 |
| Noninterest income to average assets | 1.3853% | 816 |
| Noninterest expense to average assets | 3.8316% | 1,200 |
| Loan and lease loss provision to assets | 0.1596% | 3,620 |
| Net operating income to assets | 2.0790% | 315 |
| Return on assets (ROA) | 2.1453% | 304 |
| Pretax return on assets | 1.5990% | 1,394 |
| Return on Equity (ROE) | 10.3830% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.3830% | 528 |
| Net charge-offs to loans | -0.0351% | 6,640 |
| Credit loss provision to net charge-offs | -722.5000% | 6,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0831% | 3,959 |
| Assets per employee ($millions) | 6.1564% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 6,442 |
| Loan loss allowance to noncurrent loans | 36.9486% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 2,837 |
| Noncurrent loans to loans | 2.2270% | 2,434 |
| Net loans and leases to total assets | 64.8338% | 2,753 |
| Net loans and leases to deposits | 77.8323% | 2,559 |
| Net loans and leases to core deposits | 87.3170% | 2,162 |
| Total domestic deposits to total assets | 83.2993% | 4,601 |
| Equity capital to assets | 16.2292% | 515 |
| Core capital (leverage) ratio | 17.6550% | 303 |
| Tier 1 risk-based capital ratio | 16.5048% | 2,889 |
| Total risk-based capital ratio | 17.1385% | 3,182 |
| Memoranda: | ||
| Average total assets | $181,047,600 | 3,299 |
| Average earning assets | $169,851,800 | 3,228 |
| Average equity | $37,407,400 | 1,857 |
| Average total loans | $114,080,400 | 3,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 4,947 |
| Cost of funding earning assets | 0.4224% | 5,973 |
| Net interest margin | 3.7379% | 3,620 |
| Noninterest income to average assets | 2.1507% | 386 |
| Noninterest expense to average assets | 3.2531% | 2,413 |
| Loan and lease loss provision to assets | 0.0008% | 5,787 |
| Net operating income to assets | 3.3556% | 80 |
| Return on assets (ROA) | 3.4413% | 79 |
| Pretax return on assets | 2.5929% | 258 |
| Return on Equity (ROE) | 15.2992% | 851 |
| Retained earnings to average equity (ytd only) | 15.2992% | 220 |
| Net charge-offs to loans | -0.0497% | 6,711 |
| Credit loss provision to net charge-offs | -2.7027% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3376% | 6,012 |
| Assets per employee ($millions) | 4.6600% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 6,726 |
| Loan loss allowance to noncurrent loans | 27.2946% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4098% | 2,205 |
| Noncurrent loans to loans | 2.6303% | 2,160 |
| Net loans and leases to total assets | 71.5387% | 1,640 |
| Net loans and leases to deposits | 89.3509% | 1,219 |
| Net loans and leases to core deposits | 107.1923% | 684 |
| Total domestic deposits to total assets | 80.0648% | 5,637 |
| Equity capital to assets | 19.6562% | 251 |
| Core capital (leverage) ratio | 23.7328% | 110 |
| Tier 1 risk-based capital ratio | 17.3056% | 2,604 |
| Total risk-based capital ratio | 17.7952% | 2,945 |
| Memoranda: | ||
| Average total assets | $160,128,000 | 3,657 |
| Average earning assets | $154,665,250 | 3,510 |
| Average equity | $36,018,500 | 1,940 |
| Average total loans | $99,336,500 | 3,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 5,786 |
| Cost of funding earning assets | 0.4404% | 6,028 |
| Net interest margin | 3.5073% | 4,639 |
| Noninterest income to average assets | 0.0968% | 6,687 |
| Noninterest expense to average assets | 3.2485% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9815% | 402 |
| Return on assets (ROA) | 1.9815% | 464 |
| Pretax return on assets | 0.2605% | 6,035 |
| Return on Equity (ROE) | 8.2674% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.2674% | 1,541 |
| Net charge-offs to loans | -0.0726% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5761% | 890 |
| Assets per employee ($millions) | 5.0399% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 4,059 |
| Loan loss allowance to noncurrent loans | 61.5216% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5104% | 3,436 |
| Noncurrent loans to loans | 2.4203% | 2,481 |
| Net loans and leases to total assets | 61.4767% | 3,537 |
| Net loans and leases to deposits | 86.1427% | 1,576 |
| Net loans and leases to core deposits | 126.1361% | 244 |
| Total domestic deposits to total assets | 71.3661% | 6,836 |
| Equity capital to assets | 28.3999% | 73 |
| Core capital (leverage) ratio | 27.6165% | 71 |
| Tier 1 risk-based capital ratio | 27.6652% | 674 |
| Total risk-based capital ratio | 28.5650% | 682 |
| Memoranda: | ||
| Average total assets | $140,497,330 | 4,000 |
| Average earning assets | $136,687,330 | 3,834 |
| Average equity | $33,674,330 | 2,055 |
| Average total loans | $79,843,000 | 4,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 6,400 |
| Cost of funding earning assets | 0.4210% | 6,311 |
| Net interest margin | 3.3021% | 5,470 |
| Noninterest income to average assets | 0.0852% | 6,801 |
| Noninterest expense to average assets | 2.9148% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.6415% | 76 |
| Return on assets (ROA) | 3.6415% | 84 |
| Pretax return on assets | 0.3860% | 5,760 |
| Return on Equity (ROE) | 16.4149% | 754 |
| Retained earnings to average equity (ytd only) | 16.4149% | 343 |
| Net charge-offs to loans | -0.0585% | 6,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3065% | 1,249 |
| Assets per employee ($millions) | 6.4601% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 4,743 |
| Loan loss allowance to noncurrent loans | 61.0254% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2764% | 4,006 |
| Noncurrent loans to loans | 2.2388% | 2,877 |
| Net loans and leases to total assets | 56.2313% | 4,343 |
| Net loans and leases to deposits | 74.1517% | 3,105 |
| Net loans and leases to core deposits | 97.6014% | 1,155 |
| Total domestic deposits to total assets | 75.8327% | 6,563 |
| Equity capital to assets | 23.9111% | 111 |
| Core capital (leverage) ratio | 26.0771% | 80 |
| Tier 1 risk-based capital ratio | 26.2375% | 785 |
| Total risk-based capital ratio | 27.0983% | 796 |
| Memoranda: | ||
| Average total assets | $150,267,000 | 3,868 |
| Average earning assets | $146,332,500 | 3,695 |
| Average equity | $33,335,500 | 2,074 |
| Average total loans | $82,022,000 | 4,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 3,199 |
| Cost of funding earning assets | 0.4770% | 6,628 |
| Net interest margin | 4.4545% | 1,246 |
| Noninterest income to average assets | 0.1292% | 6,512 |
| Noninterest expense to average assets | 3.5658% | 1,814 |
| Loan and lease loss provision to assets | 0.3255% | 3,083 |
| Net operating income to assets | 0.5998% | 4,000 |
| Return on assets (ROA) | 0.6838% | 3,753 |
| Pretax return on assets | 0.6838% | 4,391 |
| Return on Equity (ROE) | 2.3901% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.3698% | 5,206 |
| Net charge-offs to loans | -0.0154% | 6,928 |
| Credit loss provision to net charge-offs | -3,345.4545% | 6,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3973% | 2,386 |
| Assets per employee ($millions) | 7.2005% | 655 |
| Cash dividends to net income (ytd only)* | 42.6908% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,812 |
| Loan loss allowance to noncurrent loans | 59.9343% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 4,309 |
| Noncurrent loans to loans | 2.2007% | 2,947 |
| Net loans and leases to total assets | 51.7164% | 5,356 |
| Net loans and leases to deposits | 65.4510% | 4,811 |
| Net loans and leases to core deposits | 81.7509% | 3,216 |
| Total domestic deposits to total assets | 79.0155% | 5,994 |
| Equity capital to assets | 20.6348% | 200 |
| Core capital (leverage) ratio | 27.8719% | 75 |
| Tier 1 risk-based capital ratio | 25.6863% | 803 |
| Total risk-based capital ratio | 26.5409% | 820 |
| Memoranda: | ||
| Average total assets | $113,045,800 | 4,572 |
| Average earning assets | $110,697,200 | 4,376 |
| Average equity | $32,341,400 | 2,060 |
| Average total loans | $71,278,400 | 4,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 4,623 |
| Cost of funding earning assets | 0.4959% | 6,709 |
| Net interest margin | 4.1664% | 2,219 |
| Noninterest income to average assets | 0.1573% | 6,471 |
| Noninterest expense to average assets | 3.6746% | 1,552 |
| Loan and lease loss provision to assets | 0.4366% | 2,296 |
| Net operating income to assets | 0.1324% | 5,882 |
| Return on assets (ROA) | 0.2556% | 5,701 |
| Pretax return on assets | 0.2556% | 5,796 |
| Return on Equity (ROE) | 0.8061% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.8061% | 5,690 |
| Net charge-offs to loans | 0.0078% | 6,057 |
| Credit loss provision to net charge-offs | 8,325.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 108.5647% | 335 |
| Efficiency ratio | 86.5925% | 1,476 |
| Assets per employee ($millions) | 4.8560% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,225 |
| Loan loss allowance to noncurrent loans | 55.0290% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 3,540 |
| Noncurrent loans to loans | 2.2790% | 3,024 |
| Net loans and leases to total assets | 73.6697% | 1,379 |
| Net loans and leases to deposits | 104.1848% | 312 |
| Net loans and leases to core deposits | 163.5285% | 100 |
| Total domestic deposits to total assets | 70.7106% | 7,000 |
| Equity capital to assets | 29.0038% | 86 |
| Core capital (leverage) ratio | 29.8913% | 77 |
| Tier 1 risk-based capital ratio | 31.3194% | 481 |
| Total risk-based capital ratio | 32.3243% | 479 |
| Memoranda: | ||
| Average total assets | $101,704,250 | 4,879 |
| Average earning assets | $99,747,000 | 4,677 |
| Average equity | $32,254,750 | 2,062 |
| Average total loans | $68,343,000 | 4,587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 5,227 |
| Cost of funding earning assets | 0.4520% | 7,003 |
| Net interest margin | 4.0862% | 2,461 |
| Noninterest income to average assets | 0.1484% | 6,585 |
| Noninterest expense to average assets | 3.7997% | 1,346 |
| Loan and lease loss provision to assets | 0.3354% | 2,773 |
| Net operating income to assets | 0.0203% | 6,190 |
| Return on assets (ROA) | 0.0203% | 6,270 |
| Pretax return on assets | 0.0203% | 6,242 |
| Return on Equity (ROE) | 0.0621% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.0621% | 5,812 |
| Net charge-offs to loans | -0.1073% | 7,182 |
| Credit loss provision to net charge-offs | -485.2941% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4384% | 1,135 |
| Assets per employee ($millions) | 5.2429% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,213 |
| Loan loss allowance to noncurrent loans | 47.0437% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 3,432 |
| Noncurrent loans to loans | 2.6954% | 2,704 |
| Net loans and leases to total assets | 67.9433% | 2,627 |
| Net loans and leases to deposits | 98.4468% | 570 |
| Net loans and leases to core deposits | 111.9537% | 652 |
| Total domestic deposits to total assets | 69.0152% | 7,154 |
| Equity capital to assets | 30.7835% | 77 |
| Core capital (leverage) ratio | 33.1641% | 65 |
| Tier 1 risk-based capital ratio | 36.4929% | 311 |
| Total risk-based capital ratio | 37.5297% | 312 |
| Memoranda: | ||
| Average total assets | $98,376,000 | 5,009 |
| Average earning assets | $96,470,330 | 4,797 |
| Average equity | $32,208,330 | 2,048 |
| Average total loans | $63,348,670 | 4,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 4,902 |
| Cost of funding earning assets | 0.4409% | 7,134 |
| Net interest margin | 4.1689% | 2,003 |
| Noninterest income to average assets | 0.0841% | 6,985 |
| Noninterest expense to average assets | 3.7421% | 1,456 |
| Loan and lease loss provision to assets | 0.1009% | 4,749 |
| Net operating income to assets | 0.3364% | 5,242 |
| Return on assets (ROA) | 0.3364% | 5,321 |
| Pretax return on assets | 0.3364% | 5,543 |
| Return on Equity (ROE) | 0.9946% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.9946% | 5,430 |
| Net charge-offs to loans | -0.2307% | 7,289 |
| Credit loss provision to net charge-offs | -70.5882% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5372% | 1,374 |
| Assets per employee ($millions) | 4.6949% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 5,244 |
| Loan loss allowance to noncurrent loans | 12,900.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,183 |
| Noncurrent loans to loans | 0.0099% | 7,053 |
| Net loans and leases to total assets | 63.6730% | 3,506 |
| Net loans and leases to deposits | 97.2399% | 611 |
| Net loans and leases to core deposits | 114.7984% | 573 |
| Total domestic deposits to total assets | 65.4803% | 7,342 |
| Equity capital to assets | 34.3611% | 63 |
| Core capital (leverage) ratio | 33.5502% | 64 |
| Tier 1 risk-based capital ratio | 41.7252% | 213 |
| Total risk-based capital ratio | 42.7289% | 212 |
| Memoranda: | ||
| Average total assets | $95,135,000 | 5,132 |
| Average earning assets | $93,454,500 | 4,929 |
| Average equity | $32,173,000 | 2,034 |
| Average total loans | $58,943,500 | 5,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 5,604 |
| Cost of funding earning assets | 0.6332% | 7,051 |
| Net interest margin | 4.1212% | 2,475 |
| Noninterest income to average assets | 0.0949% | 6,917 |
| Noninterest expense to average assets | 4.0952% | 1,027 |
| Loan and lease loss provision to assets | 0.1041% | 6,100 |
| Net operating income to assets | -0.0613% | 5,942 |
| Return on assets (ROA) | -0.0613% | 6,023 |
| Pretax return on assets | -0.0613% | 5,965 |
| Return on Equity (ROE) | -0.1656% | 5,982 |
| Retained earnings to average equity (ytd only) | -0.1656% | 5,640 |
| Net charge-offs to loans | -0.1196% | 7,511 |
| Credit loss provision to net charge-offs | -160.7143% | 7,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9656% | 822 |
| Assets per employee ($millions) | 4.8187% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 5,272 |
| Loan loss allowance to noncurrent loans | 1,746.3415% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 7,131 |
| Noncurrent loans to loans | 0.0715% | 6,948 |
| Net loans and leases to total assets | 58.7405% | 4,912 |
| Net loans and leases to deposits | 88.4808% | 1,724 |
| Net loans and leases to core deposits | 99.0898% | 1,694 |
| Total domestic deposits to total assets | 66.3879% | 7,377 |
| Equity capital to assets | 33.2894% | 69 |
| Core capital (leverage) ratio | 36.2322% | 64 |
| Tier 1 risk-based capital ratio | 40.2109% | 236 |
| Total risk-based capital ratio | 41.1107% | 237 |
| Memoranda: | ||
| Average total assets | $86,442,200 | 5,396 |
| Average earning assets | $84,805,600 | 5,188 |
| Average equity | $31,997,600 | 2,048 |
| Average total loans | $46,819,400 | 5,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 5,800 |
| Cost of funding earning assets | 0.7032% | 7,053 |
| Net interest margin | 4.0637% | 2,795 |
| Noninterest income to average assets | 0.0842% | 7,113 |
| Noninterest expense to average assets | 4.0923% | 941 |
| Loan and lease loss provision to assets | 0.1382% | 5,649 |
| Net operating income to assets | -0.1636% | 6,266 |
| Return on assets (ROA) | -0.1636% | 6,346 |
| Pretax return on assets | -0.1636% | 6,288 |
| Return on Equity (ROE) | -0.4295% | 6,206 |
| Retained earnings to average equity (ytd only) | -0.4295% | 5,899 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6248% | 722 |
| Assets per employee ($millions) | 5.3977% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.1949% | 5,521 |
| Net loans and leases to deposits | 86.8434% | 2,173 |
| Net loans and leases to core deposits | 101.3324% | 1,716 |
| Total domestic deposits to total assets | 64.7083% | 7,501 |
| Equity capital to assets | 34.9321% | 66 |
| Core capital (leverage) ratio | 36.7157% | 58 |
| Tier 1 risk-based capital ratio | 40.1151% | 242 |
| Total risk-based capital ratio | 40.9426% | 247 |
| Memoranda: | ||
| Average total assets | $83,959,500 | 5,539 |
| Average earning assets | $82,288,000 | 5,331 |
| Average equity | $31,976,500 | 2,071 |
| Average total loans | $44,192,750 | 5,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 6,245 |
| Cost of funding earning assets | 0.7730% | 6,997 |
| Net interest margin | 3.8976% | 3,459 |
| Noninterest income to average assets | 0.0590% | 7,289 |
| Noninterest expense to average assets | 4.2257% | 787 |
| Loan and lease loss provision to assets | 0.2557% | 4,375 |
| Net operating income to assets | -0.6047% | 6,745 |
| Return on assets (ROA) | -0.6047% | 6,772 |
| Pretax return on assets | -0.6047% | 6,660 |
| Return on Equity (ROE) | -1.5399% | 6,381 |
| Retained earnings to average equity (ytd only) | -1.5399% | 6,075 |
| Net charge-offs to loans | 0.1204% | 4,977 |
| Credit loss provision to net charge-offs | 416.0000% | 874 |
| Earnings coverage of net charge-offs (x) | -5.6800% | 6,289 |
| Efficiency ratio | 109.0044% | 567 |
| Assets per employee ($millions) | 4.5907% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 59.0490% | 5,239 |
| Net loans and leases to deposits | 96.5931% | 997 |
| Net loans and leases to core deposits | 106.0578% | 1,439 |
| Total domestic deposits to total assets | 61.1318% | 7,638 |
| Equity capital to assets | 38.5730% | 59 |
| Core capital (leverage) ratio | 39.0344% | 55 |
| Tier 1 risk-based capital ratio | 43.7458% | 194 |
| Total risk-based capital ratio | 44.6441% | 195 |
| Memoranda: | ||
| Average total assets | $81,359,000 | 5,655 |
| Average earning assets | $79,690,330 | 5,455 |
| Average equity | $31,950,670 | 2,062 |
| Average total loans | $41,516,330 | 5,979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 6,852 |
| Cost of funding earning assets | 0.8487% | 6,941 |
| Net interest margin | 3.6220% | 4,613 |
| Noninterest income to average assets | 0.0446% | 7,487 |
| Noninterest expense to average assets | 4.3755% | 656 |
| Loan and lease loss provision to assets | 0.5352% | 2,361 |
| Net operating income to assets | -1.3131% | 7,254 |
| Return on assets (ROA) | -1.3131% | 7,268 |
| Pretax return on assets | -1.3131% | 7,184 |
| Return on Equity (ROE) | -3.3136% | 6,766 |
| Retained earnings to average equity (ytd only) | -3.3136% | 6,405 |
| Net charge-offs to loans | 0.3835% | 2,896 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | -4.3611% | 5,526 |
| Efficiency ratio | 121.6253% | 427 |
| Assets per employee ($millions) | 5.5139% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.6114% | 6,613 |
| Net loans and leases to deposits | 79.4852% | 3,747 |
| Net loans and leases to core deposits | 79.4852% | 4,834 |
| Total domestic deposits to total assets | 61.1578% | 7,733 |
| Equity capital to assets | 38.6040% | 57 |
| Core capital (leverage) ratio | 38.6716% | 55 |
| Tier 1 risk-based capital ratio | 46.9975% | 171 |
| Total risk-based capital ratio | 47.9558% | 171 |
| Memoranda: | ||
| Average total assets | $80,722,000 | 5,744 |
| Average earning assets | $79,182,000 | 5,536 |
| Average equity | $31,989,000 | 2,089 |
| Average total loans | $37,553,000 | 6,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 7,134 |
| Cost of funding earning assets | 0.8433% | 7,494 |
| Net interest margin | 3.8618% | 3,430 |
| Noninterest income to average assets | 0.1229% | 7,140 |
| Noninterest expense to average assets | 4.6246% | 699 |
| Loan and lease loss provision to assets | 1.8687% | 1,197 |
| Net operating income to assets | -2.5852% | 7,291 |
| Return on assets (ROA) | -2.5852% | 7,289 |
| Pretax return on assets | -2.5852% | 7,166 |
| Return on Equity (ROE) | -4.9857% | 6,211 |
| Retained earnings to average equity (ytd only) | -4.9857% | 6,020 |
| Net charge-offs to loans | 3.4288% | 574 |
| Credit loss provision to net charge-offs | 162.1884% | 2,720 |
| Earnings coverage of net charge-offs (x) | -0.6219% | 6,765 |
| Efficiency ratio | 118.3340% | 636 |
| Assets per employee ($millions) | 5.2490% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 3,029 |
| Loan loss allowance to noncurrent loans | 33.0435% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 3,143 |
| Noncurrent loans to loans | 5.0353% | 1,340 |
| Net loans and leases to total assets | 42.7866% | 7,203 |
| Net loans and leases to deposits | 72.5956% | 5,248 |
| Net loans and leases to core deposits | 100.2440% | 3,968 |
| Total domestic deposits to total assets | 58.9382% | 7,819 |
| Equity capital to assets | 40.7049% | 61 |
| Core capital (leverage) ratio | 41.9283% | 62 |
| Tier 1 risk-based capital ratio | 46.5859% | 180 |
| Total risk-based capital ratio | 47.4249% | 179 |
| Memoranda: | ||
| Average total assets | $62,665,200 | 6,251 |
| Average earning assets | $61,422,000 | 6,082 |
| Average equity | $32,492,800 | 2,059 |
| Average total loans | $21,056,800 | 7,136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 7,273 |
| Cost of funding earning assets | 0.8352% | 7,646 |
| Net interest margin | 3.8723% | 3,337 |
| Noninterest income to average assets | 0.0250% | 7,751 |
| Noninterest expense to average assets | 5.1493% | 440 |
| Loan and lease loss provision to assets | 2.0006% | 904 |
| Net operating income to assets | -3.3305% | 7,658 |
| Return on assets (ROA) | -3.1896% | 7,634 |
| Pretax return on assets | -3.1896% | 7,550 |
| Return on Equity (ROE) | -5.7374% | 6,529 |
| Retained earnings to average equity (ytd only) | -5.7374% | 6,358 |
| Net charge-offs to loans | 2.2076% | 872 |
| Credit loss provision to net charge-offs | 299.3197% | 1,384 |
| Earnings coverage of net charge-offs (x) | -1.9898% | 6,742 |
| Efficiency ratio | 134.8214% | 425 |
| Assets per employee ($millions) | 4.4902% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7076% | 874 |
| Loan loss allowance to noncurrent loans | 86.9619% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 4,659 |
| Noncurrent loans to loans | 3.1135% | 2,424 |
| Net loans and leases to total assets | 37.7192% | 7,559 |
| Net loans and leases to deposits | 73.4971% | 5,447 |
| Net loans and leases to core deposits | 93.2670% | 5,100 |
| Total domestic deposits to total assets | 51.3207% | 7,970 |
| Equity capital to assets | 47.8301% | 58 |
| Core capital (leverage) ratio | 51.0527% | 52 |
| Tier 1 risk-based capital ratio | 53.8781% | 143 |
| Total risk-based capital ratio | 55.0773% | 142 |
| Memoranda: | ||
| Average total assets | $58,647,750 | 6,443 |
| Average earning assets | $57,467,000 | 6,283 |
| Average equity | $32,603,750 | 2,077 |
| Average total loans | $17,756,500 | 7,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 7,387 |
| Cost of funding earning assets | 0.8135% | 7,805 |
| Net interest margin | 3.8880% | 3,164 |
| Noninterest income to average assets | 0.0144% | 7,897 |
| Noninterest expense to average assets | 5.1376% | 467 |
| Loan and lease loss provision to assets | 1.6145% | 1,045 |
| Net operating income to assets | -2.9312% | 7,662 |
| Return on assets (ROA) | -2.7374% | 7,609 |
| Pretax return on assets | -2.7374% | 7,483 |
| Return on Equity (ROE) | -4.6619% | 6,570 |
| Retained earnings to average equity (ytd only) | -4.6619% | 6,254 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.4601% | 485 |
| Assets per employee ($millions) | 4.9402% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9381% | 597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 31.8191% | 7,850 |
| Net loans and leases to deposits | 73.5916% | 5,524 |
| Net loans and leases to core deposits | 99.4097% | 4,567 |
| Total domestic deposits to total assets | 43.2374% | 8,085 |
| Equity capital to assets | 55.0268% | 55 |
| Core capital (leverage) ratio | 58.0890% | 50 |
| Tier 1 risk-based capital ratio | 62.0359% | 129 |
| Total risk-based capital ratio | 63.1321% | 128 |
| Memoranda: | ||
| Average total assets | $55,746,000 | 6,604 |
| Average earning assets | $54,578,000 | 6,444 |
| Average equity | $32,733,330 | 2,075 |
| Average total loans | $14,971,330 | 7,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 7,646 |
| Cost of funding earning assets | 0.7721% | 7,938 |
| Net interest margin | 3.7998% | 3,442 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 4.8316% | 544 |
| Loan and lease loss provision to assets | 0.3779% | 3,056 |
| Net operating income to assets | -1.4895% | 7,496 |
| Return on assets (ROA) | -1.1486% | 7,343 |
| Pretax return on assets | -1.1486% | 7,224 |
| Return on Equity (ROE) | -1.8908% | 6,644 |
| Retained earnings to average equity (ytd only) | -1.8908% | 6,079 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8805% | 504 |
| Assets per employee ($millions) | 4.6993% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.1921% | 7,998 |
| Net loans and leases to deposits | 62.8537% | 6,659 |
| Net loans and leases to core deposits | 90.0829% | 5,547 |
| Total domestic deposits to total assets | 41.6715% | 8,137 |
| Equity capital to assets | 57.9277% | 53 |
| Core capital (leverage) ratio | 59.9251% | 54 |
| Tier 1 risk-based capital ratio | 83.0651% | 84 |
| Total risk-based capital ratio | 83.5004% | 83 |
| Memoranda: | ||
| Average total assets | $53,978,000 | 6,709 |
| Average earning assets | $52,845,000 | 6,549 |
| Average equity | $32,789,500 | 2,066 |
| Average total loans | $12,740,000 | 7,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5112% | 8,197 |
| Cost of funding earning assets | 0.3177% | 8,219 |
| Net interest margin | 2.1935% | 7,966 |
| Noninterest income to average assets | 0.0025% | 8,097 |
| Noninterest expense to average assets | 6.2683% | 368 |
| Loan and lease loss provision to assets | 0.2986% | 3,992 |
| Net operating income to assets | -4.4347% | 8,045 |
| Return on assets (ROA) | -4.4347% | 8,029 |
| Pretax return on assets | -4.4347% | 7,957 |
| Return on Equity (ROE) | -5.3137% | 6,893 |
| Retained earnings to average equity (ytd only) | -5.3137% | 6,562 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 293.9815% | 106 |
| Assets per employee ($millions) | 4.2971% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 20.2017% | 8,151 |
| Net loans and leases to deposits | 57.1923% | 7,250 |
| Net loans and leases to core deposits | 250.1080% | 70 |
| Total domestic deposits to total assets | 35.3224% | 8,209 |
| Equity capital to assets | 63.8282% | 49 |
| Core capital (leverage) ratio | 77.8088% | 37 |
| Tier 1 risk-based capital ratio | 106.1120% | 76 |
| Total risk-based capital ratio | 106.5025% | 75 |
| Memoranda: | ||
| Average total assets | $40,521,250 | 7,189 |
| Average earning assets | $39,343,500 | 7,067 |
| Average equity | $33,818,250 | 2,004 |
| Average total loans | $4,262,000 | 8,185 |