Home > Ohnward Bank & Trust > Performance and Condition Ratios
Ohnward Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 1,854 |
| Cost of funding earning assets | 1.6677% | 1,522 |
| Net interest margin | 3.4313% | 2,339 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.1999% | 3,133 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0387% | 2,098 |
| Return on assets (ROA) | 1.0435% | 2,055 |
| Pretax return on assets | 1.3531% | 1,734 |
| Return on Equity (ROE) | 9.3800% | 2,665 |
| Retained earnings to average equity (ytd only) | 7.7841% | 1,602 |
| Net charge-offs to loans | 0.0010% | 2,839 |
| Credit loss provision to net charge-offs | 3,200.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 1,829.6667% | 88 |
| Efficiency ratio | 61.2304% | 2,949 |
| Assets per employee ($millions) | 7.2136% | 1,926 |
| Cash dividends to net income (ytd only)* | 17.0233% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,156 |
| Loan loss allowance to noncurrent loans | 1,775.2747% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,305 |
| Noncurrent loans to loans | 0.0581% | 3,304 |
| Net loans and leases to total assets | 75.4300% | 1,184 |
| Net loans and leases to deposits | 94.2434% | 921 |
| Net loans and leases to core deposits | 100.1492% | 1,423 |
| Total domestic deposits to total assets | 80.0300% | 3,459 |
| Equity capital to assets | 11.3776% | 1,338 |
| Core capital (leverage) ratio | 12.8649% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9830% | 1,536 |
| Memoranda: | ||
| Average total assets | $394,070,800 | 2,031 |
| Average earning assets | $373,995,000 | 1,998 |
| Average equity | $43,833,000 | 1,765 |
| Average total loans | $295,179,600 | 1,809 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 1,914 |
| Cost of funding earning assets | 1.5123% | 1,566 |
| Net interest margin | 3.4498% | 2,338 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.1915% | 3,103 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0510% | 2,214 |
| Return on assets (ROA) | 1.0542% | 2,194 |
| Pretax return on assets | 1.3658% | 1,854 |
| Return on Equity (ROE) | 9.5400% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.4523% | 1,825 |
| Net charge-offs to loans | 0.0014% | 2,558 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | 1,372.3333% | 118 |
| Efficiency ratio | 60.8799% | 2,862 |
| Assets per employee ($millions) | 7.3317% | 1,739 |
| Cash dividends to net income (ytd only)* | 11.3563% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.0500% | 1,230 |
| Net loans and leases to deposits | 94.3001% | 873 |
| Net loans and leases to core deposits | 100.9750% | 1,261 |
| Total domestic deposits to total assets | 79.5900% | 3,588 |
| Equity capital to assets | 10.9401% | 1,368 |
| Core capital (leverage) ratio | 13.2481% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3483% | 1,458 |
| Memoranda: | ||
| Average total assets | $389,794,250 | 2,043 |
| Average earning assets | $369,749,250 | 2,011 |
| Average equity | $43,095,750 | 1,773 |
| Average total loans | $290,632,500 | 1,827 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,956 |
| Cost of funding earning assets | 1.3337% | 1,623 |
| Net interest margin | 3.4846% | 2,300 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.1833% | 3,123 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0914% | 2,145 |
| Return on assets (ROA) | 1.0950% | 2,132 |
| Pretax return on assets | 1.4189% | 1,766 |
| Return on Equity (ROE) | 9.8700% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.2420% | 1,893 |
| Net charge-offs to loans | 0.0021% | 2,295 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,653 |
| Earnings coverage of net charge-offs (x) | 944.0000% | 157 |
| Efficiency ratio | 59.9151% | 2,974 |
| Assets per employee ($millions) | 6.6570% | 2,165 |
| Cash dividends to net income (ytd only)* | 16.4861% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,027 |
| Loan loss allowance to noncurrent loans | 2,459.6774% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,461 |
| Noncurrent loans to loans | 0.0440% | 3,405 |
| Net loans and leases to total assets | 72.1400% | 1,514 |
| Net loans and leases to deposits | 88.5031% | 1,302 |
| Net loans and leases to core deposits | 94.0892% | 1,560 |
| Total domestic deposits to total assets | 81.5100% | 3,335 |
| Equity capital to assets | 11.3026% | 1,271 |
| Core capital (leverage) ratio | 13.1543% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5087% | 1,425 |
| Memoranda: | ||
| Average total assets | $387,755,333 | 2,052 |
| Average earning assets | $368,302,333 | 2,017 |
| Average equity | $43,023,333 | 1,783 |
| Average total loans | $287,434,333 | 1,835 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,938 |
| Cost of funding earning assets | 1.1045% | 1,740 |
| Net interest margin | 3.5604% | 2,220 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1432% | 3,272 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1581% | 2,046 |
| Return on assets (ROA) | 1.1581% | 2,010 |
| Pretax return on assets | 1.5039% | 1,664 |
| Return on Equity (ROE) | 10.5300% | 2,625 |
| Retained earnings to average equity (ytd only) | 10.5349% | 1,571 |
| Net charge-offs to loans | 0.0165% | 1,357 |
| Credit loss provision to net charge-offs | -4,583.3333% | 4,681 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 685 |
| Efficiency ratio | 58.0268% | 3,193 |
| Assets per employee ($millions) | 7.2759% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,459 |
| Loan loss allowance to noncurrent loans | 3,556.0976% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,595 |
| Noncurrent loans to loans | 0.0285% | 3,559 |
| Net loans and leases to total assets | 73.7700% | 1,233 |
| Net loans and leases to deposits | 90.3528% | 1,020 |
| Net loans and leases to core deposits | 94.6689% | 1,349 |
| Total domestic deposits to total assets | 81.6400% | 3,540 |
| Equity capital to assets | 11.3196% | 1,219 |
| Core capital (leverage) ratio | 12.8501% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3702% | 1,527 |
| Memoranda: | ||
| Average total assets | $388,579,500 | 2,071 |
| Average earning assets | $369,394,000 | 2,039 |
| Average equity | $42,715,000 | 1,815 |
| Average total loans | $290,358,000 | 1,832 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 1,439 |
| Cost of funding earning assets | 0.5041% | 1,359 |
| Net interest margin | 3.6118% | 1,612 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1076% | 3,272 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 1.3958% | 1,142 |
| Return on assets (ROA) | 1.2487% | 1,553 |
| Pretax return on assets | 1.6226% | 1,105 |
| Return on Equity (ROE) | 11.6500% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.9682% | 1,164 |
| Net charge-offs to loans | 0.0141% | 1,855 |
| Credit loss provision to net charge-offs | -1,047.3684% | 4,667 |
| Earnings coverage of net charge-offs (x) | 174.6316% | 717 |
| Efficiency ratio | 55.2589% | 3,654 |
| Assets per employee ($millions) | 6.9917% | 1,983 |
| Cash dividends to net income (ytd only)* | 14.4152% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,458 |
| Loan loss allowance to noncurrent loans | 3,479.5181% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,633 |
| Noncurrent loans to loans | 0.0283% | 3,585 |
| Net loans and leases to total assets | 74.1800% | 1,200 |
| Net loans and leases to deposits | 93.5821% | 811 |
| Net loans and leases to core deposits | 96.4527% | 1,178 |
| Total domestic deposits to total assets | 79.2700% | 3,969 |
| Equity capital to assets | 10.6705% | 1,386 |
| Core capital (leverage) ratio | 12.5894% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1279% | 1,929 |
| Memoranda: | ||
| Average total assets | $388,887,200 | 2,067 |
| Average earning assets | $370,591,200 | 2,026 |
| Average equity | $41,692,400 | 1,866 |
| Average total loans | $269,816,600 | 1,856 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 1,404 |
| Cost of funding earning assets | 0.3935% | 1,334 |
| Net interest margin | 3.5369% | 1,554 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0998% | 3,210 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2401% | 1,551 |
| Return on assets (ROA) | 1.2360% | 1,545 |
| Pretax return on assets | 1.6049% | 1,110 |
| Return on Equity (ROE) | 11.5200% | 2,200 |
| Retained earnings to average equity (ytd only) | 10.3955% | 1,225 |
| Net charge-offs to loans | 0.0172% | 1,501 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 141.8824% | 769 |
| Efficiency ratio | 55.8969% | 3,630 |
| Assets per employee ($millions) | 7.2937% | 1,756 |
| Cash dividends to net income (ytd only)* | 9.7249% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,406 |
| Loan loss allowance to noncurrent loans | 7,967.4419% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,868 |
| Noncurrent loans to loans | 0.0154% | 3,818 |
| Net loans and leases to total assets | 70.2400% | 1,460 |
| Net loans and leases to deposits | 85.0226% | 1,233 |
| Net loans and leases to core deposits | 87.5432% | 1,437 |
| Total domestic deposits to total assets | 82.6200% | 3,740 |
| Equity capital to assets | 9.9238% | 1,661 |
| Core capital (leverage) ratio | 12.1553% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $388,224,750 | 2,088 |
| Average earning assets | $370,033,250 | 2,042 |
| Average equity | $41,670,750 | 1,895 |
| Average total loans | $263,936,750 | 1,881 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 1,359 |
| Cost of funding earning assets | 0.3461% | 1,306 |
| Net interest margin | 3.4308% | 1,512 |
| Noninterest income to average assets | 0.4105% | 2,690 |
| Noninterest expense to average assets | 2.0960% | 3,157 |
| Loan and lease loss provision to assets | 0.0466% | 1,732 |
| Net operating income to assets | 1.1895% | 1,461 |
| Return on assets (ROA) | 1.1834% | 1,462 |
| Pretax return on assets | 1.5344% | 1,091 |
| Return on Equity (ROE) | 10.7495% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.1037% | 1,256 |
| Net charge-offs to loans | 0.0193% | 1,351 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 122.7600% | 727 |
| Efficiency ratio | 56.8840% | 3,693 |
| Assets per employee ($millions) | 7.0419% | 1,909 |
| Cash dividends to net income (ytd only)* | 15.3106% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,292 |
| Loan loss allowance to noncurrent loans | 201.4863% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,331 |
| Noncurrent loans to loans | 0.6334% | 1,345 |
| Net loans and leases to total assets | 66.4775% | 1,635 |
| Net loans and leases to deposits | 79.0045% | 1,468 |
| Net loans and leases to core deposits | 81.5428% | 1,620 |
| Total domestic deposits to total assets | 84.1439% | 3,664 |
| Equity capital to assets | 10.2488% | 1,565 |
| Core capital (leverage) ratio | 12.1703% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,346,000 | 2,105 |
| Average earning assets | $368,715,333 | 2,067 |
| Average equity | $42,532,333 | 1,911 |
| Average total loans | $258,553,333 | 1,903 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 1,206 |
| Cost of funding earning assets | 0.3669% | 1,079 |
| Net interest margin | 3.3675% | 1,376 |
| Noninterest income to average assets | 0.4331% | 2,478 |
| Noninterest expense to average assets | 2.1290% | 3,051 |
| Loan and lease loss provision to assets | 0.0471% | 1,525 |
| Net operating income to assets | 1.1387% | 1,406 |
| Return on assets (ROA) | 1.1288% | 1,438 |
| Pretax return on assets | 1.4615% | 1,100 |
| Return on Equity (ROE) | 9.9012% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.9012% | 1,042 |
| Net charge-offs to loans | 0.0580% | 730 |
| Credit loss provision to net charge-offs | 121.6216% | 932 |
| Earnings coverage of net charge-offs (x) | 39.2973% | 1,013 |
| Efficiency ratio | 58.3262% | 3,646 |
| Assets per employee ($millions) | 6.9864% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,541 |
| Loan loss allowance to noncurrent loans | 83,300.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,114 |
| Noncurrent loans to loans | 0.0015% | 4,044 |
| Net loans and leases to total assets | 69.1548% | 1,102 |
| Net loans and leases to deposits | 84.8498% | 820 |
| Net loans and leases to core deposits | 87.9563% | 1,020 |
| Total domestic deposits to total assets | 81.5027% | 4,147 |
| Equity capital to assets | 11.0853% | 1,294 |
| Core capital (leverage) ratio | 12.0292% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,345,500 | 2,127 |
| Average earning assets | $365,251,500 | 2,094 |
| Average equity | $43,590,500 | 1,934 |
| Average total loans | $255,059,500 | 1,910 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 2,061 |
| Cost of funding earning assets | 0.4859% | 986 |
| Net interest margin | 3.2318% | 2,508 |
| Noninterest income to average assets | 0.7327% | 1,655 |
| Noninterest expense to average assets | 2.3840% | 2,537 |
| Loan and lease loss provision to assets | 0.0481% | 2,099 |
| Net operating income to assets | 1.0932% | 2,320 |
| Return on assets (ROA) | 1.0963% | 2,372 |
| Pretax return on assets | 1.4199% | 1,981 |
| Return on Equity (ROE) | 9.3760% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.7937% | 1,619 |
| Net charge-offs to loans | -0.0040% | 3,503 |
| Credit loss provision to net charge-offs | -1,820.0000% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9548% | 2,876 |
| Assets per employee ($millions) | 7.1746% | 1,808 |
| Cash dividends to net income (ytd only)* | 16.8756% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 2,126 |
| Loan loss allowance to noncurrent loans | 3,049.5413% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,846 |
| Noncurrent loans to loans | 0.0443% | 3,759 |
| Net loans and leases to total assets | 62.6096% | 1,871 |
| Net loans and leases to deposits | 76.1001% | 1,559 |
| Net loans and leases to core deposits | 79.6108% | 1,633 |
| Total domestic deposits to total assets | 82.2727% | 3,927 |
| Equity capital to assets | 11.7080% | 1,387 |
| Core capital (leverage) ratio | 11.1766% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,349,400 | 2,068 |
| Average earning assets | $364,718,400 | 2,023 |
| Average equity | $44,240,600 | 1,943 |
| Average total loans | $249,585,000 | 1,927 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 2,182 |
| Cost of funding earning assets | 0.4979% | 1,057 |
| Net interest margin | 3.2380% | 2,615 |
| Noninterest income to average assets | 0.8129% | 1,483 |
| Noninterest expense to average assets | 2.4515% | 2,269 |
| Loan and lease loss provision to assets | 0.0487% | 2,027 |
| Net operating income to assets | 1.1091% | 2,520 |
| Return on assets (ROA) | 1.1121% | 2,561 |
| Pretax return on assets | 1.4429% | 2,171 |
| Return on Equity (ROE) | 9.5143% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.4528% | 1,891 |
| Net charge-offs to loans | -0.0032% | 3,319 |
| Credit loss provision to net charge-offs | -2,283.3333% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2356% | 2,652 |
| Assets per employee ($millions) | 7.5067% | 1,565 |
| Cash dividends to net income (ytd only)* | 11.1572% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,212 |
| Loan loss allowance to noncurrent loans | 4,816.1765% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,092 |
| Noncurrent loans to loans | 0.0281% | 3,995 |
| Net loans and leases to total assets | 60.0612% | 2,252 |
| Net loans and leases to deposits | 74.4113% | 1,818 |
| Net loans and leases to core deposits | 78.3759% | 1,866 |
| Total domestic deposits to total assets | 80.7151% | 4,127 |
| Equity capital to assets | 11.3654% | 1,763 |
| Core capital (leverage) ratio | 11.3345% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,080,250 | 2,106 |
| Average earning assets | $363,093,250 | 2,047 |
| Average equity | $43,960,750 | 1,973 |
| Average total loans | $250,508,750 | 1,954 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 2,047 |
| Cost of funding earning assets | 0.5160% | 1,114 |
| Net interest margin | 3.2929% | 2,459 |
| Noninterest income to average assets | 0.9360% | 1,180 |
| Noninterest expense to average assets | 2.5855% | 1,895 |
| Loan and lease loss provision to assets | 0.0493% | 2,045 |
| Net operating income to assets | 1.1469% | 2,381 |
| Return on assets (ROA) | 1.1469% | 2,440 |
| Pretax return on assets | 1.4885% | 2,053 |
| Return on Equity (ROE) | 9.7148% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.1072% | 2,038 |
| Net charge-offs to loans | -0.0016% | 3,148 |
| Credit loss provision to net charge-offs | -4,550.0000% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7038% | 2,627 |
| Assets per employee ($millions) | 6.8067% | 1,934 |
| Cash dividends to net income (ytd only)* | 16.5485% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,139.5760% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,702 |
| Noncurrent loans to loans | 0.1189% | 3,596 |
| Net loans and leases to total assets | 62.7248% | 2,093 |
| Net loans and leases to deposits | 77.0266% | 1,726 |
| Net loans and leases to core deposits | 81.6834% | 1,750 |
| Total domestic deposits to total assets | 81.4327% | 4,024 |
| Equity capital to assets | 11.8189% | 1,451 |
| Core capital (leverage) ratio | 11.5505% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,821,667 | 2,122 |
| Average earning assets | $357,006,000 | 2,064 |
| Average equity | $43,541,667 | 1,973 |
| Average total loans | $253,267,667 | 1,948 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 2,237 |
| Cost of funding earning assets | 0.5409% | 1,161 |
| Net interest margin | 3.2126% | 2,656 |
| Noninterest income to average assets | 1.0851% | 1,002 |
| Noninterest expense to average assets | 2.6761% | 1,678 |
| Loan and lease loss provision to assets | 0.0492% | 2,102 |
| Net operating income to assets | 1.1332% | 2,377 |
| Return on assets (ROA) | 1.1332% | 2,453 |
| Pretax return on assets | 1.4687% | 2,078 |
| Return on Equity (ROE) | 9.6042% | 2,820 |
| Retained earnings to average equity (ytd only) | 9.6042% | 1,766 |
| Net charge-offs to loans | -0.0015% | 3,088 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8093% | 2,489 |
| Assets per employee ($millions) | 7.2028% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,736 |
| Loan loss allowance to noncurrent loans | 3,417.2043% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,183 |
| Noncurrent loans to loans | 0.0362% | 4,101 |
| Net loans and leases to total assets | 69.1443% | 1,399 |
| Net loans and leases to deposits | 84.8611% | 1,061 |
| Net loans and leases to core deposits | 90.5321% | 1,197 |
| Total domestic deposits to total assets | 81.4794% | 3,989 |
| Equity capital to assets | 11.8249% | 1,376 |
| Core capital (leverage) ratio | 11.6226% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,049,000 | 2,116 |
| Average earning assets | $354,235,500 | 2,061 |
| Average equity | $43,189,500 | 1,976 |
| Average total loans | $260,878,500 | 1,916 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,225 |
| Cost of funding earning assets | 0.8347% | 1,073 |
| Net interest margin | 3.7011% | 1,795 |
| Noninterest income to average assets | 0.7696% | 1,628 |
| Noninterest expense to average assets | 2.5683% | 2,644 |
| Loan and lease loss provision to assets | 0.2605% | 1,487 |
| Net operating income to assets | 1.1654% | 1,663 |
| Return on assets (ROA) | 1.1654% | 1,781 |
| Pretax return on assets | 1.5089% | 1,305 |
| Return on Equity (ROE) | 9.3524% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.3524% | 704 |
| Net charge-offs to loans | -0.0020% | 3,985 |
| Credit loss provision to net charge-offs | -17,060.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1383% | 3,573 |
| Assets per employee ($millions) | 6.7547% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,037 |
| Loan loss allowance to noncurrent loans | 1,020.1954% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,909 |
| Noncurrent loans to loans | 0.1160% | 3,820 |
| Net loans and leases to total assets | 71.6783% | 1,336 |
| Net loans and leases to deposits | 88.3674% | 1,052 |
| Net loans and leases to core deposits | 96.8753% | 1,071 |
| Total domestic deposits to total assets | 81.1140% | 3,853 |
| Equity capital to assets | 11.7725% | 1,692 |
| Core capital (leverage) ratio | 11.4091% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,454,600 | 2,149 |
| Average earning assets | $315,690,600 | 2,094 |
| Average equity | $40,802,400 | 1,997 |
| Average total loans | $249,699,600 | 1,921 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 891 |
| Cost of funding earning assets | 0.9102% | 1,034 |
| Net interest margin | 3.8802% | 1,403 |
| Noninterest income to average assets | 0.6572% | 1,958 |
| Noninterest expense to average assets | 2.5255% | 2,759 |
| Loan and lease loss provision to assets | 0.3382% | 1,143 |
| Net operating income to assets | 1.1831% | 1,698 |
| Return on assets (ROA) | 1.1831% | 1,818 |
| Pretax return on assets | 1.5310% | 1,375 |
| Return on Equity (ROE) | 9.3472% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.3472% | 892 |
| Net charge-offs to loans | -0.0038% | 3,993 |
| Credit loss provision to net charge-offs | -11,528.5714% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3717% | 3,753 |
| Assets per employee ($millions) | 6.4599% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,839 |
| Loan loss allowance to noncurrent loans | 186.0241% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 2,258 |
| Noncurrent loans to loans | 0.6288% | 2,221 |
| Net loans and leases to total assets | 76.2057% | 1,067 |
| Net loans and leases to deposits | 95.8037% | 772 |
| Net loans and leases to core deposits | 105.5995% | 861 |
| Total domestic deposits to total assets | 79.5435% | 3,954 |
| Equity capital to assets | 12.2585% | 1,544 |
| Core capital (leverage) ratio | 11.8703% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,129,250 | 2,181 |
| Average earning assets | $306,436,750 | 2,123 |
| Average equity | $40,267,750 | 2,004 |
| Average total loans | $245,978,750 | 1,945 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 768 |
| Cost of funding earning assets | 1.0086% | 965 |
| Net interest margin | 4.0350% | 1,250 |
| Noninterest income to average assets | 0.5909% | 2,163 |
| Noninterest expense to average assets | 2.4932% | 2,979 |
| Loan and lease loss provision to assets | 0.4909% | 741 |
| Net operating income to assets | 1.1553% | 1,781 |
| Return on assets (ROA) | 1.1553% | 1,915 |
| Pretax return on assets | 1.4907% | 1,474 |
| Return on Equity (ROE) | 9.0226% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.0226% | 1,001 |
| Net charge-offs to loans | -0.0050% | 4,014 |
| Credit loss provision to net charge-offs | -12,683.3333% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5716% | 3,996 |
| Assets per employee ($millions) | 6.3637% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,815 |
| Loan loss allowance to noncurrent loans | 308.1054% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 3,144 |
| Noncurrent loans to loans | 0.3708% | 3,081 |
| Net loans and leases to total assets | 78.0281% | 845 |
| Net loans and leases to deposits | 98.0620% | 651 |
| Net loans and leases to core deposits | 108.6294% | 787 |
| Total domestic deposits to total assets | 79.5701% | 3,924 |
| Equity capital to assets | 12.1375% | 1,577 |
| Core capital (leverage) ratio | 11.7677% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,047,000 | 2,196 |
| Average earning assets | $298,441,000 | 2,134 |
| Average equity | $39,700,333 | 2,011 |
| Average total loans | $239,972,333 | 1,956 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 1,577 |
| Cost of funding earning assets | 1.1706% | 847 |
| Net interest margin | 3.5722% | 2,760 |
| Noninterest income to average assets | 0.4399% | 2,849 |
| Noninterest expense to average assets | 2.3722% | 3,600 |
| Loan and lease loss provision to assets | 0.0891% | 2,574 |
| Net operating income to assets | 1.0943% | 1,864 |
| Return on assets (ROA) | 1.0943% | 1,961 |
| Pretax return on assets | 1.4088% | 1,535 |
| Return on Equity (ROE) | 8.3005% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.3005% | 1,143 |
| Net charge-offs to loans | -0.0071% | 3,958 |
| Credit loss provision to net charge-offs | -1,650.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0879% | 3,604 |
| Assets per employee ($millions) | 6.1984% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,628 |
| Loan loss allowance to noncurrent loans | 295.5864% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 3,393 |
| Noncurrent loans to loans | 0.3433% | 3,263 |
| Net loans and leases to total assets | 76.8585% | 1,158 |
| Net loans and leases to deposits | 97.0878% | 810 |
| Net loans and leases to core deposits | 110.5813% | 825 |
| Total domestic deposits to total assets | 79.1639% | 4,015 |
| Equity capital to assets | 13.2373% | 1,323 |
| Core capital (leverage) ratio | 12.8934% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,432,500 | 2,230 |
| Average earning assets | $284,641,000 | 2,169 |
| Average equity | $39,082,000 | 2,021 |
| Average total loans | $226,853,000 | 2,008 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,855 |
| Cost of funding earning assets | 1.3591% | 637 |
| Net interest margin | 3.5075% | 3,426 |
| Noninterest income to average assets | 0.3520% | 3,594 |
| Noninterest expense to average assets | 2.2200% | 4,123 |
| Loan and lease loss provision to assets | 0.0499% | 3,024 |
| Net operating income to assets | 1.1307% | 2,334 |
| Return on assets (ROA) | 1.1307% | 2,429 |
| Pretax return on assets | 1.4540% | 1,962 |
| Return on Equity (ROE) | 8.9844% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.9844% | 715 |
| Net charge-offs to loans | 0.0123% | 3,243 |
| Credit loss provision to net charge-offs | 540.7407% | 550 |
| Earnings coverage of net charge-offs (x) | 162.8148% | 461 |
| Efficiency ratio | 59.3845% | 3,779 |
| Assets per employee ($millions) | 6.4205% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,373 |
| Loan loss allowance to noncurrent loans | 1,863.9344% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,432 |
| Noncurrent loans to loans | 0.0548% | 4,326 |
| Net loans and leases to total assets | 74.6309% | 1,643 |
| Net loans and leases to deposits | 92.7498% | 1,284 |
| Net loans and leases to core deposits | 105.0275% | 1,165 |
| Total domestic deposits to total assets | 80.4647% | 3,884 |
| Equity capital to assets | 13.1305% | 1,444 |
| Core capital (leverage) ratio | 12.5290% | 1,475 |
| Tier 1 risk-based capital ratio | 14.6276% | 2,942 |
| Total risk-based capital ratio | 15.5277% | 3,047 |
| Memoranda: | ||
| Average total assets | $292,300,400 | 2,209 |
| Average earning assets | $281,001,000 | 2,139 |
| Average equity | $36,785,800 | 2,060 |
| Average total loans | $218,684,800 | 2,038 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 1,907 |
| Cost of funding earning assets | 1.3730% | 634 |
| Net interest margin | 3.4995% | 3,567 |
| Noninterest income to average assets | 0.3128% | 3,877 |
| Noninterest expense to average assets | 2.1737% | 4,231 |
| Loan and lease loss provision to assets | 0.0498% | 2,901 |
| Net operating income to assets | 1.1305% | 2,454 |
| Return on assets (ROA) | 1.1305% | 2,542 |
| Pretax return on assets | 1.4534% | 2,106 |
| Return on Equity (ROE) | 9.0829% | 2,856 |
| Retained earnings to average equity (ytd only) | 9.0829% | 1,021 |
| Net charge-offs to loans | 0.0159% | 2,835 |
| Credit loss provision to net charge-offs | 419.2308% | 728 |
| Earnings coverage of net charge-offs (x) | 126.4078% | 621 |
| Efficiency ratio | 58.8806% | 3,813 |
| Assets per employee ($millions) | 6.3040% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,576 |
| Loan loss allowance to noncurrent loans | 556.7164% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,051 |
| Noncurrent loans to loans | 0.1795% | 3,892 |
| Net loans and leases to total assets | 74.8298% | 1,677 |
| Net loans and leases to deposits | 92.4054% | 1,390 |
| Net loans and leases to core deposits | 104.6819% | 1,285 |
| Total domestic deposits to total assets | 80.9799% | 3,761 |
| Equity capital to assets | 12.7893% | 1,738 |
| Core capital (leverage) ratio | 12.1870% | 1,741 |
| Tier 1 risk-based capital ratio | 14.3000% | 3,174 |
| Total risk-based capital ratio | 15.1911% | 3,272 |
| Memoranda: | ||
| Average total assets | $291,539,750 | 2,227 |
| Average earning assets | $280,259,750 | 2,158 |
| Average equity | $36,287,250 | 2,092 |
| Average total loans | $217,683,250 | 2,058 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 2,036 |
| Cost of funding earning assets | 1.3407% | 661 |
| Net interest margin | 3.4674% | 3,696 |
| Noninterest income to average assets | 0.2311% | 4,371 |
| Noninterest expense to average assets | 2.1107% | 4,400 |
| Loan and lease loss provision to assets | 0.0497% | 2,828 |
| Net operating income to assets | 1.0940% | 2,551 |
| Return on assets (ROA) | 1.0940% | 2,618 |
| Pretax return on assets | 1.4030% | 2,201 |
| Return on Equity (ROE) | 8.8722% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.8722% | 1,067 |
| Net charge-offs to loans | 0.0195% | 2,478 |
| Credit loss provision to net charge-offs | 342.8571% | 819 |
| Earnings coverage of net charge-offs (x) | 100.2857% | 694 |
| Efficiency ratio | 59.0012% | 3,861 |
| Assets per employee ($millions) | 5.9866% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,727 |
| Loan loss allowance to noncurrent loans | 274.3781% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,483 |
| Noncurrent loans to loans | 0.3582% | 3,256 |
| Net loans and leases to total assets | 74.2527% | 1,846 |
| Net loans and leases to deposits | 90.5779% | 1,676 |
| Net loans and leases to core deposits | 103.5931% | 1,423 |
| Total domestic deposits to total assets | 81.9767% | 3,515 |
| Equity capital to assets | 12.3132% | 1,975 |
| Core capital (leverage) ratio | 12.3205% | 1,626 |
| Tier 1 risk-based capital ratio | 14.0749% | 3,280 |
| Total risk-based capital ratio | 14.9609% | 3,368 |
| Memoranda: | ||
| Average total assets | $289,957,330 | 2,236 |
| Average earning assets | $278,655,000 | 2,173 |
| Average equity | $35,752,000 | 2,109 |
| Average total loans | $215,594,670 | 2,075 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 2,032 |
| Cost of funding earning assets | 1.3270% | 603 |
| Net interest margin | 3.4328% | 3,802 |
| Noninterest income to average assets | 0.1514% | 4,836 |
| Noninterest expense to average assets | 2.0892% | 4,476 |
| Loan and lease loss provision to assets | 0.0505% | 2,644 |
| Net operating income to assets | 1.0208% | 2,772 |
| Return on assets (ROA) | 1.0208% | 2,813 |
| Pretax return on assets | 1.3054% | 2,435 |
| Return on Equity (ROE) | 8.2728% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.2728% | 1,562 |
| Net charge-offs to loans | -0.0038% | 3,959 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3989% | 3,755 |
| Assets per employee ($millions) | 6.3133% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,517 |
| Loan loss allowance to noncurrent loans | 409.9065% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,894 |
| Noncurrent loans to loans | 0.2517% | 3,666 |
| Net loans and leases to total assets | 72.4416% | 2,086 |
| Net loans and leases to deposits | 89.6447% | 1,670 |
| Net loans and leases to core deposits | 106.7329% | 1,122 |
| Total domestic deposits to total assets | 80.8097% | 4,003 |
| Equity capital to assets | 12.2946% | 1,849 |
| Core capital (leverage) ratio | 12.0795% | 1,726 |
| Tier 1 risk-based capital ratio | 13.9965% | 3,336 |
| Total risk-based capital ratio | 14.8945% | 3,437 |
| Memoranda: | ||
| Average total assets | $285,271,500 | 2,282 |
| Average earning assets | $273,709,000 | 2,213 |
| Average equity | $35,199,500 | 2,132 |
| Average total loans | $211,159,000 | 2,128 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 2,192 |
| Cost of funding earning assets | 1.0629% | 571 |
| Net interest margin | 3.5165% | 3,650 |
| Noninterest income to average assets | 0.2806% | 4,223 |
| Noninterest expense to average assets | 2.1787% | 4,391 |
| Loan and lease loss provision to assets | 0.0543% | 3,086 |
| Net operating income to assets | 1.1079% | 2,566 |
| Return on assets (ROA) | 1.1079% | 2,565 |
| Pretax return on assets | 1.4142% | 2,083 |
| Return on Equity (ROE) | 8.9783% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.9783% | 873 |
| Net charge-offs to loans | 0.0084% | 3,391 |
| Credit loss provision to net charge-offs | 858.8235% | 416 |
| Earnings coverage of net charge-offs (x) | 232.4118% | 402 |
| Efficiency ratio | 59.4823% | 3,944 |
| Assets per employee ($millions) | 6.2251% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,509 |
| Loan loss allowance to noncurrent loans | 571.6180% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,150 |
| Noncurrent loans to loans | 0.1797% | 3,949 |
| Net loans and leases to total assets | 74.1050% | 1,920 |
| Net loans and leases to deposits | 92.4999% | 1,472 |
| Net loans and leases to core deposits | 111.2736% | 919 |
| Total domestic deposits to total assets | 80.1136% | 4,077 |
| Equity capital to assets | 12.3849% | 1,644 |
| Core capital (leverage) ratio | 12.3127% | 1,554 |
| Tier 1 risk-based capital ratio | 14.0651% | 3,263 |
| Total risk-based capital ratio | 14.9709% | 3,351 |
| Memoranda: | ||
| Average total assets | $269,063,600 | 2,343 |
| Average earning assets | $257,586,600 | 2,282 |
| Average equity | $33,202,200 | 2,143 |
| Average total loans | $202,125,200 | 2,161 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 2,187 |
| Cost of funding earning assets | 1.0062% | 581 |
| Net interest margin | 3.5252% | 3,616 |
| Noninterest income to average assets | 0.2749% | 4,316 |
| Noninterest expense to average assets | 2.1870% | 4,347 |
| Loan and lease loss provision to assets | 0.0546% | 2,878 |
| Net operating income to assets | 1.1015% | 2,659 |
| Return on assets (ROA) | 1.1015% | 2,676 |
| Pretax return on assets | 1.4064% | 2,203 |
| Return on Equity (ROE) | 8.9349% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.9349% | 1,245 |
| Net charge-offs to loans | 0.0100% | 3,066 |
| Credit loss provision to net charge-offs | 726.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 194.5285% | 449 |
| Efficiency ratio | 59.6898% | 3,852 |
| Assets per employee ($millions) | 6.2967% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,589 |
| Loan loss allowance to noncurrent loans | 354.0902% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 3,840 |
| Noncurrent loans to loans | 0.2905% | 3,642 |
| Net loans and leases to total assets | 75.3615% | 1,756 |
| Net loans and leases to deposits | 95.8008% | 1,181 |
| Net loans and leases to core deposits | 114.3914% | 796 |
| Total domestic deposits to total assets | 78.6648% | 4,387 |
| Equity capital to assets | 12.4650% | 1,615 |
| Core capital (leverage) ratio | 12.2761% | 1,633 |
| Tier 1 risk-based capital ratio | 14.1897% | 3,276 |
| Total risk-based capital ratio | 15.1111% | 3,345 |
| Memoranda: | ||
| Average total assets | $266,296,750 | 2,373 |
| Average earning assets | $254,804,500 | 2,316 |
| Average equity | $32,829,250 | 2,169 |
| Average total loans | $200,220,000 | 2,181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 2,231 |
| Cost of funding earning assets | 0.9415% | 606 |
| Net interest margin | 3.5165% | 3,579 |
| Noninterest income to average assets | 0.2779% | 4,329 |
| Noninterest expense to average assets | 2.1910% | 4,393 |
| Loan and lease loss provision to assets | 0.0544% | 2,818 |
| Net operating income to assets | 1.0959% | 2,598 |
| Return on assets (ROA) | 1.0959% | 2,605 |
| Pretax return on assets | 1.3980% | 2,156 |
| Return on Equity (ROE) | 8.9231% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.9231% | 1,242 |
| Net charge-offs to loans | 0.0161% | 2,601 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 120.1875% | 615 |
| Efficiency ratio | 59.8673% | 3,957 |
| Assets per employee ($millions) | 5.8591% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,683 |
| Loan loss allowance to noncurrent loans | 177.4936% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 2,983 |
| Noncurrent loans to loans | 0.5776% | 2,692 |
| Net loans and leases to total assets | 74.5776% | 1,853 |
| Net loans and leases to deposits | 93.6687% | 1,394 |
| Net loans and leases to core deposits | 112.5496% | 856 |
| Total domestic deposits to total assets | 79.6184% | 4,325 |
| Equity capital to assets | 12.3075% | 1,656 |
| Core capital (leverage) ratio | 12.1055% | 1,647 |
| Tier 1 risk-based capital ratio | 13.9334% | 3,391 |
| Total risk-based capital ratio | 14.8435% | 3,475 |
| Memoranda: | ||
| Average total assets | $264,809,330 | 2,386 |
| Average earning assets | $253,435,330 | 2,333 |
| Average equity | $32,522,330 | 2,195 |
| Average total loans | $198,237,000 | 2,205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,370 |
| Cost of funding earning assets | 0.8570% | 742 |
| Net interest margin | 3.4867% | 3,579 |
| Noninterest income to average assets | 0.2698% | 4,366 |
| Noninterest expense to average assets | 2.2221% | 4,361 |
| Loan and lease loss provision to assets | 0.0549% | 2,667 |
| Net operating income to assets | 1.0486% | 2,656 |
| Return on assets (ROA) | 1.0486% | 2,669 |
| Pretax return on assets | 1.3351% | 2,232 |
| Return on Equity (ROE) | 8.5471% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.5471% | 1,642 |
| Net charge-offs to loans | 0.0184% | 2,140 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 608 |
| Efficiency ratio | 61.2658% | 3,905 |
| Assets per employee ($millions) | 5.9083% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,793 |
| Loan loss allowance to noncurrent loans | 1,509.5588% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,843 |
| Noncurrent loans to loans | 0.0681% | 4,674 |
| Net loans and leases to total assets | 74.3322% | 1,806 |
| Net loans and leases to deposits | 96.5707% | 969 |
| Net loans and leases to core deposits | 113.9380% | 810 |
| Total domestic deposits to total assets | 76.9718% | 4,856 |
| Equity capital to assets | 12.1862% | 1,670 |
| Core capital (leverage) ratio | 12.1088% | 1,583 |
| Tier 1 risk-based capital ratio | 13.9045% | 3,431 |
| Total risk-based capital ratio | 14.8221% | 3,524 |
| Memoranda: | ||
| Average total assets | $262,455,000 | 2,426 |
| Average earning assets | $251,586,000 | 2,366 |
| Average equity | $32,198,000 | 2,224 |
| Average total loans | $195,814,500 | 2,227 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,733 |
| Cost of funding earning assets | 0.7493% | 822 |
| Net interest margin | 3.4383% | 3,729 |
| Noninterest income to average assets | 0.2934% | 4,361 |
| Noninterest expense to average assets | 2.1614% | 4,620 |
| Loan and lease loss provision to assets | 0.0575% | 3,081 |
| Net operating income to assets | 0.8516% | 2,946 |
| Return on assets (ROA) | 0.8513% | 2,972 |
| Pretax return on assets | 1.3609% | 2,123 |
| Return on Equity (ROE) | 6.9666% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.9666% | 1,090 |
| Net charge-offs to loans | 0.0048% | 3,913 |
| Credit loss provision to net charge-offs | 1,622.2222% | 239 |
| Earnings coverage of net charge-offs (x) | 400.3333% | 218 |
| Efficiency ratio | 59.9648% | 4,270 |
| Assets per employee ($millions) | 6.0241% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,590 |
| Loan loss allowance to noncurrent loans | 487.0192% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,342 |
| Noncurrent loans to loans | 0.2167% | 4,042 |
| Net loans and leases to total assets | 73.3180% | 2,041 |
| Net loans and leases to deposits | 92.0855% | 1,512 |
| Net loans and leases to core deposits | 107.7780% | 1,145 |
| Total domestic deposits to total assets | 79.6194% | 4,411 |
| Equity capital to assets | 12.3520% | 1,607 |
| Core capital (leverage) ratio | 11.9287% | 1,643 |
| Tier 1 risk-based capital ratio | 14.1320% | 3,288 |
| Total risk-based capital ratio | 15.0738% | 3,371 |
| Memoranda: | ||
| Average total assets | $253,950,000 | 2,463 |
| Average earning assets | $242,767,800 | 2,405 |
| Average equity | $31,033,800 | 2,290 |
| Average total loans | $186,726,800 | 2,272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,762 |
| Cost of funding earning assets | 0.7229% | 871 |
| Net interest margin | 3.4357% | 3,721 |
| Noninterest income to average assets | 0.2828% | 4,499 |
| Noninterest expense to average assets | 2.1186% | 4,692 |
| Loan and lease loss provision to assets | 0.0575% | 2,934 |
| Net operating income to assets | 0.9545% | 2,752 |
| Return on assets (ROA) | 0.9545% | 2,814 |
| Pretax return on assets | 1.3893% | 2,149 |
| Return on Equity (ROE) | 7.8327% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.8327% | 1,286 |
| Net charge-offs to loans | -0.0043% | 4,430 |
| Credit loss provision to net charge-offs | -1,816.6667% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0203% | 4,352 |
| Assets per employee ($millions) | 6.4782% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,735 |
| Loan loss allowance to noncurrent loans | 320.8000% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,092 |
| Noncurrent loans to loans | 0.3303% | 3,766 |
| Net loans and leases to total assets | 72.2461% | 2,222 |
| Net loans and leases to deposits | 91.2881% | 1,652 |
| Net loans and leases to core deposits | 108.0827% | 1,135 |
| Total domestic deposits to total assets | 79.1408% | 4,506 |
| Equity capital to assets | 12.2835% | 1,786 |
| Core capital (leverage) ratio | 11.9323% | 1,731 |
| Tier 1 risk-based capital ratio | 13.6533% | 3,612 |
| Total risk-based capital ratio | 14.5650% | 3,726 |
| Memoranda: | ||
| Average total assets | $252,678,500 | 2,490 |
| Average earning assets | $241,420,000 | 2,431 |
| Average equity | $30,793,250 | 2,320 |
| Average total loans | $185,422,000 | 2,289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,887 |
| Cost of funding earning assets | 0.6968% | 907 |
| Net interest margin | 3.3845% | 3,829 |
| Noninterest income to average assets | 0.2850% | 4,515 |
| Noninterest expense to average assets | 2.1730% | 4,620 |
| Loan and lease loss provision to assets | 0.0575% | 2,826 |
| Net operating income to assets | 0.8941% | 2,939 |
| Return on assets (ROA) | 0.8941% | 2,999 |
| Pretax return on assets | 1.2885% | 2,433 |
| Return on Equity (ROE) | 7.3569% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.3569% | 1,422 |
| Net charge-offs to loans | -0.0022% | 4,187 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3430% | 4,115 |
| Assets per employee ($millions) | 6.0180% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,949 |
| Loan loss allowance to noncurrent loans | 196.1039% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,530 |
| Noncurrent loans to loans | 0.5262% | 3,180 |
| Net loans and leases to total assets | 74.4915% | 1,778 |
| Net loans and leases to deposits | 95.3790% | 1,130 |
| Net loans and leases to core deposits | 106.1695% | 1,222 |
| Total domestic deposits to total assets | 78.1005% | 4,799 |
| Equity capital to assets | 12.3281% | 1,715 |
| Core capital (leverage) ratio | 11.8880% | 1,703 |
| Tier 1 risk-based capital ratio | 13.9300% | 3,460 |
| Total risk-based capital ratio | 14.8604% | 3,553 |
| Memoranda: | ||
| Average total assets | $250,528,670 | 2,512 |
| Average earning assets | $239,387,670 | 2,452 |
| Average equity | $30,447,670 | 2,340 |
| Average total loans | $184,157,670 | 2,311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,995 |
| Cost of funding earning assets | 0.6782% | 940 |
| Net interest margin | 3.3322% | 3,913 |
| Noninterest income to average assets | 0.2807% | 4,546 |
| Noninterest expense to average assets | 2.1362% | 4,783 |
| Loan and lease loss provision to assets | 0.0577% | 2,647 |
| Net operating income to assets | 0.8837% | 2,844 |
| Return on assets (ROA) | 0.8837% | 2,895 |
| Pretax return on assets | 1.2702% | 2,347 |
| Return on Equity (ROE) | 7.3243% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.3243% | 1,731 |
| Net charge-offs to loans | -0.0022% | 4,017 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2500% | 4,276 |
| Assets per employee ($millions) | 5.7050% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,095 |
| Loan loss allowance to noncurrent loans | 1,218.9873% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,029 |
| Noncurrent loans to loans | 0.0845% | 4,859 |
| Net loans and leases to total assets | 73.6796% | 1,794 |
| Net loans and leases to deposits | 91.8354% | 1,347 |
| Net loans and leases to core deposits | 103.0023% | 1,292 |
| Total domestic deposits to total assets | 80.2300% | 4,577 |
| Equity capital to assets | 12.1212% | 1,760 |
| Core capital (leverage) ratio | 11.8447% | 1,722 |
| Tier 1 risk-based capital ratio | 13.4298% | 3,816 |
| Total risk-based capital ratio | 14.3270% | 3,935 |
| Memoranda: | ||
| Average total assets | $249,415,500 | 2,548 |
| Average earning assets | $238,278,500 | 2,483 |
| Average equity | $30,091,500 | 2,370 |
| Average total loans | $181,114,500 | 2,353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,725 |
| Cost of funding earning assets | 0.6907% | 854 |
| Net interest margin | 3.4418% | 3,655 |
| Noninterest income to average assets | 0.3295% | 4,376 |
| Noninterest expense to average assets | 2.2818% | 4,593 |
| Loan and lease loss provision to assets | 0.0609% | 3,159 |
| Net operating income to assets | 0.8689% | 2,985 |
| Return on assets (ROA) | 0.8689% | 3,097 |
| Pretax return on assets | 1.2706% | 2,394 |
| Return on Equity (ROE) | 7.1037% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.1037% | 1,187 |
| Net charge-offs to loans | -0.0051% | 4,812 |
| Credit loss provision to net charge-offs | -1,611.1111% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7207% | 4,145 |
| Assets per employee ($millions) | 5.6320% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,845 |
| Loan loss allowance to noncurrent loans | 758.6345% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 4,921 |
| Noncurrent loans to loans | 0.1420% | 4,664 |
| Net loans and leases to total assets | 69.9983% | 2,470 |
| Net loans and leases to deposits | 87.0527% | 2,043 |
| Net loans and leases to core deposits | 98.3942% | 1,742 |
| Total domestic deposits to total assets | 80.4091% | 4,476 |
| Equity capital to assets | 12.0076% | 1,800 |
| Core capital (leverage) ratio | 11.4280% | 1,988 |
| Tier 1 risk-based capital ratio | 14.2809% | 3,292 |
| Total risk-based capital ratio | 15.2304% | 3,390 |
| Memoranda: | ||
| Average total assets | $238,230,600 | 2,598 |
| Average earning assets | $227,296,400 | 2,536 |
| Average equity | $29,139,600 | 2,438 |
| Average total loans | $175,712,400 | 2,352 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 2,613 |
| Cost of funding earning assets | 0.6862% | 869 |
| Net interest margin | 3.4836% | 3,533 |
| Noninterest income to average assets | 0.3228% | 4,466 |
| Noninterest expense to average assets | 2.2716% | 4,600 |
| Loan and lease loss provision to assets | 0.0611% | 3,021 |
| Net operating income to assets | 0.8955% | 2,929 |
| Return on assets (ROA) | 0.8955% | 3,065 |
| Pretax return on assets | 1.3139% | 2,371 |
| Return on Equity (ROE) | 7.2862% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.2862% | 1,485 |
| Net charge-offs to loans | 0.0008% | 3,929 |
| Credit loss provision to net charge-offs | 10,800.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 2,438.0376% | 24 |
| Efficiency ratio | 61.8760% | 4,254 |
| Assets per employee ($millions) | 5.5059% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 4,267 |
| Loan loss allowance to noncurrent loans | 355.5985% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,576 |
| Noncurrent loans to loans | 0.2888% | 4,227 |
| Net loans and leases to total assets | 73.2807% | 1,985 |
| Net loans and leases to deposits | 92.5425% | 1,427 |
| Net loans and leases to core deposits | 104.2743% | 1,320 |
| Total domestic deposits to total assets | 79.1859% | 4,679 |
| Equity capital to assets | 12.2922% | 1,900 |
| Core capital (leverage) ratio | 11.6001% | 1,958 |
| Tier 1 risk-based capital ratio | 13.3973% | 3,920 |
| Total risk-based capital ratio | 14.2812% | 4,056 |
| Memoranda: | ||
| Average total assets | $235,836,000 | 2,624 |
| Average earning assets | $225,010,250 | 2,557 |
| Average equity | $28,985,500 | 2,457 |
| Average total loans | $175,802,750 | 2,355 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,636 |
| Cost of funding earning assets | 0.6772% | 912 |
| Net interest margin | 3.4837% | 3,544 |
| Noninterest income to average assets | 0.3055% | 4,602 |
| Noninterest expense to average assets | 2.2765% | 4,670 |
| Loan and lease loss provision to assets | 0.0616% | 2,901 |
| Net operating income to assets | 0.8815% | 2,961 |
| Return on assets (ROA) | 0.8815% | 3,078 |
| Pretax return on assets | 1.2914% | 2,443 |
| Return on Equity (ROE) | 7.1725% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.1725% | 1,523 |
| Net charge-offs to loans | -0.0057% | 4,562 |
| Credit loss provision to net charge-offs | -1,440.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2966% | 4,298 |
| Assets per employee ($millions) | 5.2045% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,515 |
| Loan loss allowance to noncurrent loans | 449.6278% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,831 |
| Noncurrent loans to loans | 0.2227% | 4,544 |
| Net loans and leases to total assets | 74.8418% | 1,678 |
| Net loans and leases to deposits | 93.4269% | 1,351 |
| Net loans and leases to core deposits | 105.3407% | 1,230 |
| Total domestic deposits to total assets | 80.1073% | 4,510 |
| Equity capital to assets | 12.2625% | 1,931 |
| Core capital (leverage) ratio | 11.4798% | 2,009 |
| Tier 1 risk-based capital ratio | 13.5013% | 3,904 |
| Total risk-based capital ratio | 14.3955% | 4,035 |
| Memoranda: | ||
| Average total assets | $233,695,000 | 2,650 |
| Average earning assets | $222,983,330 | 2,585 |
| Average equity | $28,721,000 | 2,475 |
| Average total loans | $174,613,330 | 2,366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,783 |
| Cost of funding earning assets | 0.6576% | 1,010 |
| Net interest margin | 3.4608% | 3,619 |
| Noninterest income to average assets | 0.3032% | 4,559 |
| Noninterest expense to average assets | 2.2856% | 4,702 |
| Loan and lease loss provision to assets | 0.0606% | 2,735 |
| Net operating income to assets | 0.8612% | 2,942 |
| Return on assets (ROA) | 0.8612% | 3,055 |
| Pretax return on assets | 1.2580% | 2,479 |
| Return on Equity (ROE) | 6.9993% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.9993% | 1,887 |
| Net charge-offs to loans | -0.0093% | 4,498 |
| Credit loss provision to net charge-offs | -875.0000% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9808% | 4,302 |
| Assets per employee ($millions) | 5.2889% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,582 |
| Loan loss allowance to noncurrent loans | 1,068.6747% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 5,307 |
| Noncurrent loans to loans | 0.0940% | 5,095 |
| Net loans and leases to total assets | 75.1363% | 1,528 |
| Net loans and leases to deposits | 95.6108% | 978 |
| Net loans and leases to core deposits | 104.9696% | 1,138 |
| Total domestic deposits to total assets | 78.5856% | 5,049 |
| Equity capital to assets | 12.3238% | 1,809 |
| Core capital (leverage) ratio | 11.8002% | 1,748 |
| Tier 1 risk-based capital ratio | 13.4878% | 3,983 |
| Total risk-based capital ratio | 14.3799% | 4,098 |
| Memoranda: | ||
| Average total assets | $230,840,000 | 2,684 |
| Average earning assets | $220,178,000 | 2,620 |
| Average equity | $28,403,000 | 2,494 |
| Average total loans | $171,426,500 | 2,392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 2,735 |
| Cost of funding earning assets | 0.6582% | 1,025 |
| Net interest margin | 3.4928% | 3,551 |
| Noninterest income to average assets | 0.3867% | 4,142 |
| Noninterest expense to average assets | 2.3418% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9313% | 2,697 |
| Return on assets (ROA) | 0.9313% | 2,781 |
| Pretax return on assets | 1.3764% | 1,991 |
| Return on Equity (ROE) | 7.7658% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.7658% | 993 |
| Net charge-offs to loans | 0.0265% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.7045% | 761 |
| Efficiency ratio | 62.5535% | 4,528 |
| Assets per employee ($millions) | 5.3248% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,356 |
| Loan loss allowance to noncurrent loans | 1,470.3390% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,470 |
| Noncurrent loans to loans | 0.0710% | 5,226 |
| Net loans and leases to total assets | 71.8409% | 2,082 |
| Net loans and leases to deposits | 88.8651% | 1,768 |
| Net loans and leases to core deposits | 95.9506% | 1,855 |
| Total domestic deposits to total assets | 80.8427% | 4,532 |
| Equity capital to assets | 12.2843% | 1,756 |
| Core capital (leverage) ratio | 11.7373% | 1,791 |
| Tier 1 risk-based capital ratio | 13.8683% | 3,790 |
| Total risk-based capital ratio | 14.7816% | 3,923 |
| Memoranda: | ||
| Average total assets | $226,019,600 | 2,697 |
| Average earning assets | $215,589,400 | 2,631 |
| Average equity | $27,106,200 | 2,538 |
| Average total loans | $166,230,400 | 2,389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,615 |
| Cost of funding earning assets | 0.6575% | 1,052 |
| Net interest margin | 3.5321% | 3,420 |
| Noninterest income to average assets | 0.3906% | 4,149 |
| Noninterest expense to average assets | 2.3585% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9481% | 2,721 |
| Return on assets (ROA) | 0.9481% | 2,819 |
| Pretax return on assets | 1.4021% | 2,002 |
| Return on Equity (ROE) | 7.9548% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.9548% | 1,253 |
| Net charge-offs to loans | 0.0217% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 87.7386% | 702 |
| Efficiency ratio | 62.2915% | 4,525 |
| Assets per employee ($millions) | 4.9922% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 4,525 |
| Loan loss allowance to noncurrent loans | 556.1905% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 4,959 |
| Noncurrent loans to loans | 0.1870% | 4,900 |
| Net loans and leases to total assets | 74.2001% | 1,702 |
| Net loans and leases to deposits | 94.3692% | 1,160 |
| Net loans and leases to core deposits | 103.3480% | 1,276 |
| Total domestic deposits to total assets | 78.6275% | 5,062 |
| Equity capital to assets | 12.3157% | 1,864 |
| Core capital (leverage) ratio | 11.6468% | 1,921 |
| Tier 1 risk-based capital ratio | 13.3635% | 4,213 |
| Total risk-based capital ratio | 14.2696% | 4,343 |
| Memoranda: | ||
| Average total assets | $225,282,750 | 2,722 |
| Average earning assets | $214,940,250 | 2,652 |
| Average equity | $26,851,000 | 2,574 |
| Average total loans | $166,231,250 | 2,411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 2,672 |
| Cost of funding earning assets | 0.6496% | 1,110 |
| Net interest margin | 3.5124% | 3,453 |
| Noninterest income to average assets | 0.3823% | 4,218 |
| Noninterest expense to average assets | 2.3477% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9410% | 2,681 |
| Return on assets (ROA) | 0.9410% | 2,806 |
| Pretax return on assets | 1.3916% | 2,013 |
| Return on Equity (ROE) | 7.9837% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.9837% | 1,278 |
| Net charge-offs to loans | 0.0097% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 196.1250% | 354 |
| Efficiency ratio | 62.3577% | 4,624 |
| Assets per employee ($millions) | 4.9404% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 4,442 |
| Loan loss allowance to noncurrent loans | 565.8147% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 5,299 |
| Noncurrent loans to loans | 0.1908% | 5,014 |
| Net loans and leases to total assets | 73.0076% | 1,821 |
| Net loans and leases to deposits | 89.8870% | 1,610 |
| Net loans and leases to core deposits | 99.2206% | 1,554 |
| Total domestic deposits to total assets | 81.2215% | 4,541 |
| Equity capital to assets | 12.1628% | 1,911 |
| Core capital (leverage) ratio | 11.3927% | 2,078 |
| Tier 1 risk-based capital ratio | 13.6497% | 4,127 |
| Total risk-based capital ratio | 14.6054% | 4,236 |
| Memoranda: | ||
| Average total assets | $225,494,330 | 2,745 |
| Average earning assets | $215,523,670 | 2,662 |
| Average equity | $26,579,000 | 2,604 |
| Average total loans | $165,494,670 | 2,428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,634 |
| Cost of funding earning assets | 0.6362% | 1,196 |
| Net interest margin | 3.5141% | 3,377 |
| Noninterest income to average assets | 0.3541% | 4,367 |
| Noninterest expense to average assets | 2.3269% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9424% | 2,549 |
| Return on assets (ROA) | 0.9424% | 2,679 |
| Pretax return on assets | 1.3933% | 1,909 |
| Return on Equity (ROE) | 8.1219% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.1219% | 1,524 |
| Net charge-offs to loans | -0.0024% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1212% | 4,776 |
| Assets per employee ($millions) | 5.1192% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,623 |
| Loan loss allowance to noncurrent loans | 436.2745% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 5,228 |
| Noncurrent loans to loans | 0.2471% | 4,893 |
| Net loans and leases to total assets | 72.5234% | 1,729 |
| Net loans and leases to deposits | 89.3178% | 1,458 |
| Net loans and leases to core deposits | 98.6378% | 1,415 |
| Total domestic deposits to total assets | 81.1970% | 4,765 |
| Equity capital to assets | 11.8368% | 2,161 |
| Core capital (leverage) ratio | 11.0968% | 2,319 |
| Tier 1 risk-based capital ratio | 13.1309% | 4,543 |
| Total risk-based capital ratio | 14.0757% | 4,631 |
| Memoranda: | ||
| Average total assets | $227,082,500 | 2,745 |
| Average earning assets | $217,525,500 | 2,666 |
| Average equity | $26,348,500 | 2,641 |
| Average total loans | $166,202,000 | 2,420 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,587 |
| Cost of funding earning assets | 0.6310% | 1,545 |
| Net interest margin | 3.6746% | 3,106 |
| Noninterest income to average assets | 0.3581% | 4,538 |
| Noninterest expense to average assets | 2.4749% | 4,626 |
| Loan and lease loss provision to assets | 0.0121% | 4,380 |
| Net operating income to assets | 0.9541% | 2,611 |
| Return on assets (ROA) | 0.9541% | 2,690 |
| Pretax return on assets | 1.3801% | 1,951 |
| Return on Equity (ROE) | 8.1990% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.1990% | 950 |
| Net charge-offs to loans | 0.0675% | 3,510 |
| Credit loss provision to net charge-offs | 24.2991% | 3,919 |
| Earnings coverage of net charge-offs (x) | 27.9439% | 1,416 |
| Efficiency ratio | 63.5641% | 4,656 |
| Assets per employee ($millions) | 5.0871% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 4,743 |
| Loan loss allowance to noncurrent loans | 247.7716% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 4,694 |
| Noncurrent loans to loans | 0.4293% | 4,356 |
| Net loans and leases to total assets | 72.2915% | 1,860 |
| Net loans and leases to deposits | 88.1931% | 1,715 |
| Net loans and leases to core deposits | 101.0040% | 1,318 |
| Total domestic deposits to total assets | 81.9696% | 4,431 |
| Equity capital to assets | 11.3730% | 2,536 |
| Core capital (leverage) ratio | 10.8185% | 2,600 |
| Tier 1 risk-based capital ratio | 13.1080% | 4,649 |
| Total risk-based capital ratio | 14.0746% | 4,754 |
| Memoranda: | ||
| Average total assets | $214,759,800 | 2,834 |
| Average earning assets | $205,082,000 | 2,752 |
| Average equity | $24,991,000 | 2,661 |
| Average total loans | $158,466,400 | 2,449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,396 |
| Cost of funding earning assets | 0.6232% | 1,657 |
| Net interest margin | 3.7340% | 2,879 |
| Noninterest income to average assets | 0.3497% | 4,644 |
| Noninterest expense to average assets | 2.4454% | 4,673 |
| Loan and lease loss provision to assets | 0.0164% | 4,085 |
| Net operating income to assets | 0.9879% | 2,510 |
| Return on assets (ROA) | 0.9879% | 2,576 |
| Pretax return on assets | 1.4506% | 1,806 |
| Return on Equity (ROE) | 8.4376% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.4376% | 1,174 |
| Net charge-offs to loans | 0.0119% | 4,325 |
| Credit loss provision to net charge-offs | 185.7143% | 1,352 |
| Earnings coverage of net charge-offs (x) | 165.9663% | 379 |
| Efficiency ratio | 62.0684% | 4,878 |
| Assets per employee ($millions) | 5.2069% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 4,529 |
| Loan loss allowance to noncurrent loans | 666.1922% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 5,639 |
| Noncurrent loans to loans | 0.1719% | 5,394 |
| Net loans and leases to total assets | 73.8747% | 1,548 |
| Net loans and leases to deposits | 91.1191% | 1,309 |
| Net loans and leases to core deposits | 102.3939% | 1,194 |
| Total domestic deposits to total assets | 81.0749% | 4,802 |
| Equity capital to assets | 11.6970% | 2,313 |
| Core capital (leverage) ratio | 10.9746% | 2,516 |
| Tier 1 risk-based capital ratio | 13.1309% | 4,778 |
| Total risk-based capital ratio | 14.1712% | 4,827 |
| Memoranda: | ||
| Average total assets | $211,220,000 | 2,893 |
| Average earning assets | $201,530,000 | 2,810 |
| Average equity | $24,730,000 | 2,699 |
| Average total loans | $156,266,000 | 2,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,279 |
| Cost of funding earning assets | 0.6168% | 1,760 |
| Net interest margin | 3.7573% | 2,726 |
| Noninterest income to average assets | 0.3430% | 4,677 |
| Noninterest expense to average assets | 2.5047% | 4,563 |
| Loan and lease loss provision to assets | 0.0249% | 3,783 |
| Net operating income to assets | 0.9572% | 2,523 |
| Return on assets (ROA) | 0.9572% | 2,613 |
| Pretax return on assets | 1.3970% | 1,897 |
| Return on Equity (ROE) | 8.1729% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.1729% | 1,262 |
| Net charge-offs to loans | -0.0078% | 5,267 |
| Credit loss provision to net charge-offs | -433.3333% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3480% | 4,793 |
| Assets per employee ($millions) | 5.1760% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 4,532 |
| Loan loss allowance to noncurrent loans | 467.1605% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,360 |
| Noncurrent loans to loans | 0.2518% | 5,255 |
| Net loans and leases to total assets | 73.1235% | 1,558 |
| Net loans and leases to deposits | 88.6270% | 1,517 |
| Net loans and leases to core deposits | 102.0066% | 1,133 |
| Total domestic deposits to total assets | 82.5071% | 4,472 |
| Equity capital to assets | 11.5124% | 2,416 |
| Core capital (leverage) ratio | 10.9553% | 2,466 |
| Tier 1 risk-based capital ratio | 13.0012% | 4,911 |
| Total risk-based capital ratio | 14.0681% | 4,965 |
| Memoranda: | ||
| Average total assets | $208,730,670 | 2,933 |
| Average earning assets | $199,077,330 | 2,845 |
| Average equity | $24,446,670 | 2,720 |
| Average total loans | $153,879,000 | 2,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,915 |
| Cost of funding earning assets | 0.6102% | 1,895 |
| Net interest margin | 3.8562% | 2,250 |
| Noninterest income to average assets | 0.2935% | 5,024 |
| Noninterest expense to average assets | 2.5949% | 4,289 |
| Loan and lease loss provision to assets | 0.0489% | 3,117 |
| Net operating income to assets | 0.9139% | 2,582 |
| Return on assets (ROA) | 0.9139% | 2,654 |
| Pretax return on assets | 1.3229% | 2,020 |
| Return on Equity (ROE) | 7.7329% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7329% | 1,708 |
| Net charge-offs to loans | -0.0479% | 5,787 |
| Credit loss provision to net charge-offs | -138.8889% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9729% | 4,696 |
| Assets per employee ($millions) | 4.9661% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,416 |
| Loan loss allowance to noncurrent loans | 749.2126% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 5,054 |
| Noncurrent loans to loans | 0.1660% | 5,588 |
| Net loans and leases to total assets | 72.4283% | 1,511 |
| Net loans and leases to deposits | 89.7867% | 1,176 |
| Net loans and leases to core deposits | 102.9396% | 929 |
| Total domestic deposits to total assets | 80.6670% | 5,330 |
| Equity capital to assets | 11.7032% | 2,101 |
| Core capital (leverage) ratio | 11.1059% | 2,296 |
| Tier 1 risk-based capital ratio | 13.4059% | 4,763 |
| Total risk-based capital ratio | 14.5391% | 4,760 |
| Memoranda: | ||
| Average total assets | $204,400,500 | 3,007 |
| Average earning assets | $194,701,000 | 2,908 |
| Average equity | $24,156,500 | 2,741 |
| Average total loans | $150,390,500 | 2,578 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,412 |
| Cost of funding earning assets | 0.7190% | 1,682 |
| Net interest margin | 3.7264% | 2,953 |
| Noninterest income to average assets | 0.3878% | 4,534 |
| Noninterest expense to average assets | 2.4851% | 4,815 |
| Loan and lease loss provision to assets | 0.0831% | 3,456 |
| Net operating income to assets | 0.9228% | 2,671 |
| Return on assets (ROA) | 0.9242% | 2,753 |
| Pretax return on assets | 1.3500% | 1,970 |
| Return on Equity (ROE) | 7.8837% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.8837% | 1,098 |
| Net charge-offs to loans | 0.0729% | 4,190 |
| Credit loss provision to net charge-offs | 154.7170% | 1,500 |
| Earnings coverage of net charge-offs (x) | 26.6321% | 1,290 |
| Efficiency ratio | 62.9773% | 5,060 |
| Assets per employee ($millions) | 4.7673% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,356 |
| Loan loss allowance to noncurrent loans | 366.8639% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,549 |
| Noncurrent loans to loans | 0.3430% | 5,159 |
| Net loans and leases to total assets | 72.8930% | 1,538 |
| Net loans and leases to deposits | 90.2279% | 1,221 |
| Net loans and leases to core deposits | 100.5976% | 1,111 |
| Total domestic deposits to total assets | 80.7876% | 5,245 |
| Equity capital to assets | 11.9381% | 1,843 |
| Core capital (leverage) ratio | 11.1732% | 2,222 |
| Tier 1 risk-based capital ratio | 13.6616% | 4,543 |
| Total risk-based capital ratio | 14.8146% | 4,551 |
| Memoranda: | ||
| Average total assets | $197,256,200 | 3,063 |
| Average earning assets | $186,775,600 | 2,998 |
| Average equity | $23,123,800 | 2,807 |
| Average total loans | $145,351,000 | 2,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 2,320 |
| Cost of funding earning assets | 0.7403% | 1,665 |
| Net interest margin | 3.7375% | 2,898 |
| Noninterest income to average assets | 0.3867% | 4,627 |
| Noninterest expense to average assets | 2.4981% | 4,730 |
| Loan and lease loss provision to assets | 0.0991% | 3,106 |
| Net operating income to assets | 0.9073% | 2,797 |
| Return on assets (ROA) | 0.9092% | 2,892 |
| Pretax return on assets | 1.3271% | 2,223 |
| Return on Equity (ROE) | 7.7920% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.7920% | 1,499 |
| Net charge-offs to loans | 0.0737% | 3,889 |
| Credit loss provision to net charge-offs | 182.5000% | 1,327 |
| Earnings coverage of net charge-offs (x) | 26.2260% | 1,358 |
| Efficiency ratio | 63.2353% | 4,935 |
| Assets per employee ($millions) | 4.7939% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 4,403 |
| Loan loss allowance to noncurrent loans | 209.1825% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 4,162 |
| Noncurrent loans to loans | 0.6208% | 4,654 |
| Net loans and leases to total assets | 72.2403% | 1,563 |
| Net loans and leases to deposits | 88.0568% | 1,356 |
| Net loans and leases to core deposits | 98.4026% | 1,212 |
| Total domestic deposits to total assets | 82.0382% | 4,918 |
| Equity capital to assets | 11.9424% | 1,950 |
| Core capital (leverage) ratio | 11.0942% | 2,388 |
| Tier 1 risk-based capital ratio | 13.6001% | 4,691 |
| Total risk-based capital ratio | 14.7793% | 4,699 |
| Memoranda: | ||
| Average total assets | $196,514,000 | 3,093 |
| Average earning assets | $185,860,750 | 3,033 |
| Average equity | $22,929,000 | 2,857 |
| Average total loans | $144,736,250 | 2,652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 2,212 |
| Cost of funding earning assets | 0.7643% | 1,623 |
| Net interest margin | 3.7322% | 2,834 |
| Noninterest income to average assets | 0.4102% | 4,451 |
| Noninterest expense to average assets | 2.5028% | 4,714 |
| Loan and lease loss provision to assets | 0.1109% | 2,954 |
| Net operating income to assets | 0.9061% | 2,758 |
| Return on assets (ROA) | 0.9089% | 2,883 |
| Pretax return on assets | 1.3242% | 2,216 |
| Return on Equity (ROE) | 7.8514% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.8514% | 1,547 |
| Net charge-offs to loans | 0.0841% | 3,527 |
| Credit loss provision to net charge-offs | 178.6885% | 1,335 |
| Earnings coverage of net charge-offs (x) | 23.0492% | 1,344 |
| Efficiency ratio | 63.1565% | 4,997 |
| Assets per employee ($millions) | 4.5190% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,775 |
| Loan loss allowance to noncurrent loans | 189.9384% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 4,070 |
| Noncurrent loans to loans | 0.6540% | 4,634 |
| Net loans and leases to total assets | 73.9700% | 1,251 |
| Net loans and leases to deposits | 92.8969% | 889 |
| Net loans and leases to core deposits | 101.7982% | 955 |
| Total domestic deposits to total assets | 79.6259% | 5,684 |
| Equity capital to assets | 11.5512% | 2,252 |
| Core capital (leverage) ratio | 10.8914% | 2,463 |
| Tier 1 risk-based capital ratio | 13.0311% | 5,123 |
| Total risk-based capital ratio | 14.1742% | 5,140 |
| Memoranda: | ||
| Average total assets | $196,501,670 | 3,109 |
| Average earning assets | $185,519,330 | 3,041 |
| Average equity | $22,747,670 | 2,894 |
| Average total loans | $145,029,330 | 2,646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 2,226 |
| Cost of funding earning assets | 0.7960% | 1,553 |
| Net interest margin | 3.6871% | 2,906 |
| Noninterest income to average assets | 0.4567% | 4,075 |
| Noninterest expense to average assets | 2.6232% | 4,324 |
| Loan and lease loss provision to assets | 0.1106% | 2,853 |
| Net operating income to assets | 0.8355% | 2,978 |
| Return on assets (ROA) | 0.8355% | 3,121 |
| Pretax return on assets | 1.2041% | 2,555 |
| Return on Equity (ROE) | 7.2093% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.2093% | 2,065 |
| Net charge-offs to loans | 0.0280% | 3,641 |
| Credit loss provision to net charge-offs | 540.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 64.2000% | 554 |
| Efficiency ratio | 66.1466% | 4,640 |
| Assets per employee ($millions) | 4.3155% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,763 |
| Loan loss allowance to noncurrent loans | 118.7902% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1967% | 3,578 |
| Noncurrent loans to loans | 1.0849% | 3,981 |
| Net loans and leases to total assets | 72.8094% | 1,231 |
| Net loans and leases to deposits | 88.3607% | 1,110 |
| Net loans and leases to core deposits | 94.8081% | 1,283 |
| Total domestic deposits to total assets | 82.4003% | 5,058 |
| Equity capital to assets | 11.7469% | 2,218 |
| Core capital (leverage) ratio | 10.7654% | 2,485 |
| Tier 1 risk-based capital ratio | 13.1698% | 5,088 |
| Total risk-based capital ratio | 14.3502% | 5,096 |
| Memoranda: | ||
| Average total assets | $195,334,500 | 3,154 |
| Average earning assets | $184,426,500 | 3,091 |
| Average equity | $22,637,500 | 2,966 |
| Average total loans | $143,079,500 | 2,677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 2,563 |
| Cost of funding earning assets | 1.0817% | 975 |
| Net interest margin | 3.6256% | 3,986 |
| Noninterest income to average assets | 0.3921% | 4,667 |
| Noninterest expense to average assets | 2.4637% | 5,214 |
| Loan and lease loss provision to assets | 0.0574% | 5,059 |
| Net operating income to assets | 0.8463% | 3,063 |
| Return on assets (ROA) | 0.8463% | 3,316 |
| Pretax return on assets | 1.2158% | 2,743 |
| Return on Equity (ROE) | 7.4190% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.4190% | 1,367 |
| Net charge-offs to loans | 0.1084% | 4,582 |
| Credit loss provision to net charge-offs | 76.2238% | 3,958 |
| Earnings coverage of net charge-offs (x) | 16.9161% | 1,539 |
| Efficiency ratio | 65.4085% | 4,625 |
| Assets per employee ($millions) | 4.5691% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,817 |
| Loan loss allowance to noncurrent loans | 131.0545% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 3,830 |
| Noncurrent loans to loans | 0.9621% | 4,275 |
| Net loans and leases to total assets | 71.8256% | 1,514 |
| Net loans and leases to deposits | 88.0194% | 1,273 |
| Net loans and leases to core deposits | 90.6701% | 1,755 |
| Total domestic deposits to total assets | 81.6021% | 5,226 |
| Equity capital to assets | 11.4331% | 2,505 |
| Core capital (leverage) ratio | 10.8183% | 2,422 |
| Tier 1 risk-based capital ratio | 13.0018% | 5,105 |
| Total risk-based capital ratio | 14.1628% | 5,113 |
| Memoranda: | ||
| Average total assets | $190,002,000 | 3,176 |
| Average earning assets | $175,282,600 | 3,157 |
| Average equity | $21,674,000 | 3,014 |
| Average total loans | $131,896,200 | 2,847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 2,371 |
| Cost of funding earning assets | 1.1524% | 854 |
| Net interest margin | 3.6546% | 3,989 |
| Noninterest income to average assets | 0.3355% | 5,116 |
| Noninterest expense to average assets | 2.4340% | 5,296 |
| Loan and lease loss provision to assets | 0.0573% | 5,014 |
| Net operating income to assets | 0.8366% | 3,277 |
| Return on assets (ROA) | 0.8366% | 3,523 |
| Pretax return on assets | 1.1975% | 2,997 |
| Return on Equity (ROE) | 7.3380% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.3380% | 1,928 |
| Net charge-offs to loans | 0.1538% | 3,884 |
| Credit loss provision to net charge-offs | 54.3624% | 4,294 |
| Earnings coverage of net charge-offs (x) | 11.8994% | 2,042 |
| Efficiency ratio | 65.4643% | 4,544 |
| Assets per employee ($millions) | 4.2640% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,587 |
| Loan loss allowance to noncurrent loans | 129.0511% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 3,997 |
| Noncurrent loans to loans | 1.0454% | 4,353 |
| Net loans and leases to total assets | 68.9092% | 2,132 |
| Net loans and leases to deposits | 82.5270% | 2,050 |
| Net loans and leases to core deposits | 85.4027% | 2,537 |
| Total domestic deposits to total assets | 83.4989% | 4,436 |
| Equity capital to assets | 11.7872% | 2,444 |
| Core capital (leverage) ratio | 10.4755% | 2,943 |
| Tier 1 risk-based capital ratio | 13.9346% | 4,577 |
| Total risk-based capital ratio | 15.1824% | 4,537 |
| Memoranda: | ||
| Average total assets | $188,384,250 | 3,225 |
| Average earning assets | $172,853,750 | 3,226 |
| Average equity | $21,476,750 | 3,067 |
| Average total loans | $129,140,250 | 2,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 2,139 |
| Cost of funding earning assets | 1.2031% | 802 |
| Net interest margin | 3.6895% | 3,873 |
| Noninterest income to average assets | 0.3435% | 5,091 |
| Noninterest expense to average assets | 2.4873% | 5,183 |
| Loan and lease loss provision to assets | 0.0636% | 4,854 |
| Net operating income to assets | 0.8153% | 3,327 |
| Return on assets (ROA) | 0.8153% | 3,584 |
| Pretax return on assets | 1.1609% | 3,080 |
| Return on Equity (ROE) | 7.2329% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.2329% | 1,987 |
| Net charge-offs to loans | 0.0296% | 4,967 |
| Credit loss provision to net charge-offs | 315.7895% | 934 |
| Earnings coverage of net charge-offs (x) | 60.7895% | 625 |
| Efficiency ratio | 66.4953% | 4,429 |
| Assets per employee ($millions) | 4.2117% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,321 |
| Loan loss allowance to noncurrent loans | 911.1650% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 5,410 |
| Noncurrent loans to loans | 0.1574% | 6,272 |
| Net loans and leases to total assets | 68.0563% | 2,285 |
| Net loans and leases to deposits | 81.6185% | 2,164 |
| Net loans and leases to core deposits | 86.9534% | 2,318 |
| Total domestic deposits to total assets | 83.3834% | 4,582 |
| Equity capital to assets | 11.4274% | 2,662 |
| Core capital (leverage) ratio | 10.3748% | 2,956 |
| Tier 1 risk-based capital ratio | 13.9167% | 4,512 |
| Total risk-based capital ratio | 15.1679% | 4,487 |
| Memoranda: | ||
| Average total assets | $188,639,670 | 3,233 |
| Average earning assets | $172,216,670 | 3,241 |
| Average equity | $21,264,000 | 3,080 |
| Average total loans | $128,502,330 | 2,953 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 1,833 |
| Cost of funding earning assets | 1.2947% | 644 |
| Net interest margin | 3.7215% | 3,729 |
| Noninterest income to average assets | 0.3146% | 5,353 |
| Noninterest expense to average assets | 2.4889% | 5,183 |
| Loan and lease loss provision to assets | 0.0638% | 4,628 |
| Net operating income to assets | 0.7928% | 3,408 |
| Return on assets (ROA) | 0.7928% | 3,652 |
| Pretax return on assets | 1.1222% | 3,232 |
| Return on Equity (ROE) | 7.0822% | 3,739 |
| Retained earnings to average equity (ytd only) | 7.0822% | 2,392 |
| Net charge-offs to loans | 0.0785% | 3,713 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 22.3200% | 1,131 |
| Efficiency ratio | 67.2065% | 4,321 |
| Assets per employee ($millions) | 4.4656% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,461 |
| Loan loss allowance to noncurrent loans | 1,688.9908% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,358 |
| Noncurrent loans to loans | 0.0848% | 6,543 |
| Net loans and leases to total assets | 67.5640% | 2,195 |
| Net loans and leases to deposits | 80.8134% | 2,084 |
| Net loans and leases to core deposits | 85.9889% | 2,289 |
| Total domestic deposits to total assets | 83.6050% | 4,674 |
| Equity capital to assets | 11.3182% | 2,613 |
| Core capital (leverage) ratio | 10.0633% | 3,295 |
| Tier 1 risk-based capital ratio | 13.3706% | 4,920 |
| Total risk-based capital ratio | 14.6210% | 4,913 |
| Memoranda: | ||
| Average total assets | $188,196,000 | 3,256 |
| Average earning assets | $169,930,000 | 3,287 |
| Average equity | $21,067,000 | 3,099 |
| Average total loans | $127,322,500 | 2,993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 1,509 |
| Cost of funding earning assets | 1.4938% | 738 |
| Net interest margin | 3.8717% | 3,465 |
| Noninterest income to average assets | 0.4334% | 4,347 |
| Noninterest expense to average assets | 2.5610% | 5,248 |
| Loan and lease loss provision to assets | 0.2277% | 3,919 |
| Net operating income to assets | 0.8281% | 2,916 |
| Return on assets (ROA) | 0.8281% | 3,083 |
| Pretax return on assets | 1.1771% | 2,541 |
| Return on Equity (ROE) | 7.5336% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.5336% | 1,261 |
| Net charge-offs to loans | 0.0760% | 5,559 |
| Credit loss provision to net charge-offs | 421.4286% | 544 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 955 |
| Efficiency ratio | 64.0762% | 5,114 |
| Assets per employee ($millions) | 4.6057% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 4,206 |
| Loan loss allowance to noncurrent loans | 455.5831% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 5,197 |
| Noncurrent loans to loans | 0.3196% | 6,094 |
| Net loans and leases to total assets | 65.7966% | 2,826 |
| Net loans and leases to deposits | 78.4185% | 2,769 |
| Net loans and leases to core deposits | 82.2920% | 3,138 |
| Total domestic deposits to total assets | 83.9045% | 4,351 |
| Equity capital to assets | 11.0710% | 2,922 |
| Core capital (leverage) ratio | 10.0817% | 3,244 |
| Tier 1 risk-based capital ratio | 13.6821% | 4,569 |
| Total risk-based capital ratio | 14.9333% | 4,527 |
| Memoranda: | ||
| Average total assets | $181,375,800 | 3,312 |
| Average earning assets | $165,482,800 | 3,316 |
| Average equity | $19,937,400 | 3,163 |
| Average total loans | $128,866,000 | 2,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 1,646 |
| Cost of funding earning assets | 1.4920% | 893 |
| Net interest margin | 3.8687% | 3,527 |
| Noninterest income to average assets | 0.4397% | 4,366 |
| Noninterest expense to average assets | 2.5847% | 5,135 |
| Loan and lease loss provision to assets | 0.2882% | 3,209 |
| Net operating income to assets | 0.8126% | 3,090 |
| Return on assets (ROA) | 0.8126% | 3,258 |
| Pretax return on assets | 1.1527% | 2,817 |
| Return on Equity (ROE) | 7.4060% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.4060% | 1,772 |
| Net charge-offs to loans | 0.1050% | 4,950 |
| Credit loss provision to net charge-offs | 380.3922% | 747 |
| Earnings coverage of net charge-offs (x) | 19.0191% | 1,273 |
| Efficiency ratio | 63.7085% | 5,120 |
| Assets per employee ($millions) | 4.2748% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,726 |
| Loan loss allowance to noncurrent loans | 248.8981% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 4,742 |
| Noncurrent loans to loans | 0.5474% | 5,772 |
| Net loans and leases to total assets | 71.1747% | 1,869 |
| Net loans and leases to deposits | 85.3237% | 1,780 |
| Net loans and leases to core deposits | 90.7277% | 2,157 |
| Total domestic deposits to total assets | 83.4173% | 4,516 |
| Equity capital to assets | 11.1594% | 2,996 |
| Core capital (leverage) ratio | 9.9527% | 3,505 |
| Tier 1 risk-based capital ratio | 12.5911% | 5,411 |
| Total risk-based capital ratio | 13.8414% | 5,394 |
| Memoranda: | ||
| Average total assets | $179,511,000 | 3,354 |
| Average earning assets | $166,392,250 | 3,311 |
| Average equity | $19,695,250 | 3,192 |
| Average total loans | $129,561,750 | 3,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 1,558 |
| Cost of funding earning assets | 1.4895% | 1,038 |
| Net interest margin | 3.9122% | 3,251 |
| Noninterest income to average assets | 0.3583% | 5,022 |
| Noninterest expense to average assets | 2.5091% | 5,497 |
| Loan and lease loss provision to assets | 0.3369% | 2,766 |
| Net operating income to assets | 0.7974% | 3,089 |
| Return on assets (ROA) | 0.7974% | 3,213 |
| Pretax return on assets | 1.1287% | 2,729 |
| Return on Equity (ROE) | 7.3110% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.3110% | 1,736 |
| Net charge-offs to loans | 0.1167% | 4,532 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,302 |
| Efficiency ratio | 62.6166% | 5,477 |
| Assets per employee ($millions) | 3.9164% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,828 |
| Loan loss allowance to noncurrent loans | 471.8919% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 5,064 |
| Noncurrent loans to loans | 0.2863% | 6,344 |
| Net loans and leases to total assets | 70.7592% | 2,060 |
| Net loans and leases to deposits | 84.9524% | 1,953 |
| Net loans and leases to core deposits | 90.7458% | 2,290 |
| Total domestic deposits to total assets | 83.2928% | 4,642 |
| Equity capital to assets | 11.0810% | 2,873 |
| Core capital (leverage) ratio | 9.9727% | 3,296 |
| Tier 1 risk-based capital ratio | 12.6393% | 5,229 |
| Total risk-based capital ratio | 13.8844% | 5,199 |
| Memoranda: | ||
| Average total assets | $178,075,330 | 3,394 |
| Average earning assets | $164,615,000 | 3,361 |
| Average equity | $19,422,670 | 3,215 |
| Average total loans | $128,536,000 | 3,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3803% | 1,643 |
| Cost of funding earning assets | 1.4929% | 1,195 |
| Net interest margin | 3.8874% | 3,207 |
| Noninterest income to average assets | 0.4157% | 4,581 |
| Noninterest expense to average assets | 2.5871% | 5,274 |
| Loan and lease loss provision to assets | 0.3389% | 2,528 |
| Net operating income to assets | 0.7682% | 3,182 |
| Return on assets (ROA) | 0.7682% | 3,257 |
| Pretax return on assets | 1.0845% | 2,814 |
| Return on Equity (ROE) | 7.1009% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.1009% | 2,102 |
| Net charge-offs to loans | 0.1373% | 3,693 |
| Credit loss provision to net charge-offs | 340.9091% | 956 |
| Earnings coverage of net charge-offs (x) | 14.3182% | 1,379 |
| Efficiency ratio | 64.0000% | 5,364 |
| Assets per employee ($millions) | 3.7325% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 5,405 |
| Loan loss allowance to noncurrent loans | 231.4367% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 4,326 |
| Noncurrent loans to loans | 0.5396% | 5,948 |
| Net loans and leases to total assets | 71.8054% | 1,760 |
| Net loans and leases to deposits | 86.2761% | 1,686 |
| Net loans and leases to core deposits | 91.6446% | 2,163 |
| Total domestic deposits to total assets | 83.2275% | 4,838 |
| Equity capital to assets | 10.8131% | 2,865 |
| Core capital (leverage) ratio | 9.9257% | 3,236 |
| Tier 1 risk-based capital ratio | 12.4417% | 5,316 |
| Total risk-based capital ratio | 13.6088% | 5,379 |
| Memoranda: | ||
| Average total assets | $177,035,000 | 3,431 |
| Average earning assets | $163,709,000 | 3,392 |
| Average equity | $19,152,500 | 3,236 |
| Average total loans | $128,192,500 | 3,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5920% | 1,930 |
| Cost of funding earning assets | 1.8686% | 945 |
| Net interest margin | 3.7233% | 4,256 |
| Noninterest income to average assets | 0.5154% | 4,054 |
| Noninterest expense to average assets | 2.7140% | 4,930 |
| Loan and lease loss provision to assets | 0.3875% | 3,789 |
| Net operating income to assets | 0.6420% | 3,474 |
| Return on assets (ROA) | 0.6416% | 3,631 |
| Pretax return on assets | 0.8875% | 3,343 |
| Return on Equity (ROE) | 5.8209% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.8209% | 1,927 |
| Net charge-offs to loans | 0.5720% | 3,338 |
| Credit loss provision to net charge-offs | 92.2426% | 5,029 |
| Earnings coverage of net charge-offs (x) | 3.0367% | 3,554 |
| Efficiency ratio | 67.4488% | 4,679 |
| Assets per employee ($millions) | 3.6439% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,483 |
| Loan loss allowance to noncurrent loans | 127.3869% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 4,090 |
| Noncurrent loans to loans | 0.9468% | 5,153 |
| Net loans and leases to total assets | 71.2312% | 2,253 |
| Net loans and leases to deposits | 86.0249% | 2,094 |
| Net loans and leases to core deposits | 90.8341% | 2,642 |
| Total domestic deposits to total assets | 82.8030% | 4,880 |
| Equity capital to assets | 10.8240% | 2,836 |
| Core capital (leverage) ratio | 9.9917% | 3,105 |
| Tier 1 risk-based capital ratio | 12.5607% | 4,967 |
| Total risk-based capital ratio | 13.6848% | 5,062 |
| Memoranda: | ||
| Average total assets | $168,793,200 | 3,563 |
| Average earning assets | $157,493,400 | 3,496 |
| Average equity | $18,605,400 | 3,334 |
| Average total loans | $123,945,000 | 3,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 1,829 |
| Cost of funding earning assets | 1.9229% | 954 |
| Net interest margin | 3.7418% | 4,225 |
| Noninterest income to average assets | 0.5030% | 4,164 |
| Noninterest expense to average assets | 2.7612% | 4,637 |
| Loan and lease loss provision to assets | 0.3619% | 3,723 |
| Net operating income to assets | 0.6329% | 3,738 |
| Return on assets (ROA) | 0.6329% | 3,906 |
| Pretax return on assets | 0.8776% | 3,631 |
| Return on Equity (ROE) | 5.7150% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.7150% | 2,535 |
| Net charge-offs to loans | 0.3706% | 3,827 |
| Credit loss provision to net charge-offs | 132.3615% | 3,054 |
| Earnings coverage of net charge-offs (x) | 4.5335% | 3,014 |
| Efficiency ratio | 68.4399% | 4,383 |
| Assets per employee ($millions) | 3.5221% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,512 |
| Loan loss allowance to noncurrent loans | 88.5100% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 4,128 |
| Noncurrent loans to loans | 1.5721% | 4,279 |
| Net loans and leases to total assets | 72.2203% | 2,203 |
| Net loans and leases to deposits | 87.5627% | 2,067 |
| Net loans and leases to core deposits | 93.0134% | 2,659 |
| Total domestic deposits to total assets | 82.4783% | 4,809 |
| Equity capital to assets | 11.4928% | 2,537 |
| Core capital (leverage) ratio | 10.1811% | 3,062 |
| Tier 1 risk-based capital ratio | 12.8796% | 4,667 |
| Total risk-based capital ratio | 14.1299% | 4,656 |
| Memoranda: | ||
| Average total assets | $167,264,500 | 3,633 |
| Average earning assets | $156,354,000 | 3,563 |
| Average equity | $18,523,750 | 3,387 |
| Average total loans | $123,403,750 | 3,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6927% | 1,795 |
| Cost of funding earning assets | 1.9655% | 998 |
| Net interest margin | 3.7272% | 4,242 |
| Noninterest income to average assets | 0.4945% | 4,163 |
| Noninterest expense to average assets | 2.7300% | 4,789 |
| Loan and lease loss provision to assets | 0.3622% | 3,535 |
| Net operating income to assets | 0.6387% | 3,688 |
| Return on assets (ROA) | 0.6387% | 3,832 |
| Pretax return on assets | 0.8889% | 3,544 |
| Return on Equity (ROE) | 5.8398% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.8398% | 2,426 |
| Net charge-offs to loans | 0.0532% | 5,638 |
| Credit loss provision to net charge-offs | 921.2121% | 405 |
| Earnings coverage of net charge-offs (x) | 31.8182% | 883 |
| Efficiency ratio | 68.0036% | 4,578 |
| Assets per employee ($millions) | 3.7218% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,971 |
| Loan loss allowance to noncurrent loans | 77.2480% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 4,218 |
| Noncurrent loans to loans | 1.9337% | 3,822 |
| Net loans and leases to total assets | 72.7262% | 2,225 |
| Net loans and leases to deposits | 88.6247% | 2,070 |
| Net loans and leases to core deposits | 93.8108% | 2,743 |
| Total domestic deposits to total assets | 82.0609% | 4,959 |
| Equity capital to assets | 11.1223% | 2,755 |
| Core capital (leverage) ratio | 9.9166% | 3,262 |
| Tier 1 risk-based capital ratio | 12.6388% | 4,743 |
| Total risk-based capital ratio | 13.8980% | 4,705 |
| Memoranda: | ||
| Average total assets | $167,840,000 | 3,640 |
| Average earning assets | $157,007,670 | 3,574 |
| Average equity | $18,356,670 | 3,405 |
| Average total loans | $124,125,330 | 3,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 1,924 |
| Cost of funding earning assets | 1.9837% | 1,146 |
| Net interest margin | 3.6746% | 4,376 |
| Noninterest income to average assets | 0.4642% | 4,346 |
| Noninterest expense to average assets | 2.6759% | 5,021 |
| Loan and lease loss provision to assets | 0.3619% | 3,201 |
| Net operating income to assets | 0.6190% | 3,808 |
| Return on assets (ROA) | 0.6190% | 3,944 |
| Pretax return on assets | 0.8618% | 3,622 |
| Return on Equity (ROE) | 5.7077% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.7077% | 2,761 |
| Net charge-offs to loans | 0.0322% | 5,124 |
| Credit loss provision to net charge-offs | 1,520.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 51.4000% | 564 |
| Efficiency ratio | 68.0708% | 4,708 |
| Assets per employee ($millions) | 3.5598% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,427 |
| Loan loss allowance to noncurrent loans | 87.9160% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 4,795 |
| Noncurrent loans to loans | 1.5906% | 4,354 |
| Net loans and leases to total assets | 72.3589% | 2,368 |
| Net loans and leases to deposits | 86.1389% | 2,561 |
| Net loans and leases to core deposits | 90.9694% | 3,233 |
| Total domestic deposits to total assets | 84.0027% | 4,145 |
| Equity capital to assets | 10.9498% | 2,809 |
| Core capital (leverage) ratio | 9.8039% | 3,392 |
| Tier 1 risk-based capital ratio | 12.5523% | 4,693 |
| Total risk-based capital ratio | 13.8033% | 4,658 |
| Memoranda: | ||
| Average total assets | $168,018,500 | 3,695 |
| Average earning assets | $157,077,000 | 3,625 |
| Average equity | $18,221,000 | 3,449 |
| Average total loans | $124,362,500 | 3,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 2,000 |
| Cost of funding earning assets | 2.2330% | 1,888 |
| Net interest margin | 3.7342% | 3,979 |
| Noninterest income to average assets | 0.6327% | 3,410 |
| Noninterest expense to average assets | 2.8246% | 4,867 |
| Loan and lease loss provision to assets | 0.1543% | 6,129 |
| Net operating income to assets | 0.7858% | 2,585 |
| Return on assets (ROA) | 0.7858% | 2,674 |
| Pretax return on assets | 1.1393% | 2,128 |
| Return on Equity (ROE) | 7.2753% | 2,678 |
| Retained earnings to average equity (ytd only) | 7.2753% | 883 |
| Net charge-offs to loans | 0.0951% | 6,183 |
| Credit loss provision to net charge-offs | 216.3793% | 1,759 |
| Earnings coverage of net charge-offs (x) | 18.1379% | 1,146 |
| Efficiency ratio | 68.0203% | 5,001 |
| Assets per employee ($millions) | 3.5900% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 5,042 |
| Loan loss allowance to noncurrent loans | 136.2143% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 5,694 |
| Noncurrent loans to loans | 0.9187% | 5,476 |
| Net loans and leases to total assets | 73.7098% | 2,333 |
| Net loans and leases to deposits | 86.8517% | 2,766 |
| Net loans and leases to core deposits | 104.2437% | 3,544 |
| Total domestic deposits to total assets | 84.8685% | 3,614 |
| Equity capital to assets | 10.7404% | 2,938 |
| Core capital (leverage) ratio | 9.6179% | 3,571 |
| Tier 1 risk-based capital ratio | 12.0860% | 4,865 |
| Total risk-based capital ratio | 13.2859% | 4,874 |
| Memoranda: | ||
| Average total assets | $162,640,400 | 3,718 |
| Average earning assets | $151,814,000 | 3,680 |
| Average equity | $17,566,200 | 3,576 |
| Average total loans | $122,038,200 | 3,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0308% | 1,916 |
| Cost of funding earning assets | 2.0300% | 3,219 |
| Net interest margin | 4.0009% | 2,820 |
| Noninterest income to average assets | 0.5000% | 4,477 |
| Noninterest expense to average assets | 2.5312% | 5,966 |
| Loan and lease loss provision to assets | 0.1559% | 5,790 |
| Net operating income to assets | 1.0797% | 1,799 |
| Return on assets (ROA) | 1.0797% | 1,849 |
| Pretax return on assets | 1.5658% | 1,251 |
| Return on Equity (ROE) | 9.5209% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.5209% | 726 |
| Net charge-offs to loans | 0.0384% | 6,371 |
| Credit loss provision to net charge-offs | 562.5000% | 689 |
| Earnings coverage of net charge-offs (x) | 62.1234% | 527 |
| Efficiency ratio | 59.1637% | 6,539 |
| Assets per employee ($millions) | 4.7077% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,953 |
| Loan loss allowance to noncurrent loans | 192.4242% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 6,475 |
| Noncurrent loans to loans | 0.5519% | 6,213 |
| Net loans and leases to total assets | 70.3676% | 3,421 |
| Net loans and leases to deposits | 85.6503% | 3,388 |
| Net loans and leases to core deposits | 102.7188% | 4,081 |
| Total domestic deposits to total assets | 82.1568% | 4,610 |
| Equity capital to assets | 11.5675% | 2,536 |
| Core capital (leverage) ratio | 10.6446% | 2,672 |
| Tier 1 risk-based capital ratio | 13.2298% | 4,029 |
| Total risk-based capital ratio | 14.1824% | 4,173 |
| Memoranda: | ||
| Average total assets | $115,464,750 | 4,708 |
| Average earning assets | $108,307,250 | 4,641 |
| Average equity | $13,093,750 | 4,511 |
| Average total loans | $83,381,000 | 4,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0959% | 1,804 |
| Cost of funding earning assets | 2.0276% | 3,643 |
| Net interest margin | 4.0683% | 2,441 |
| Noninterest income to average assets | 0.4690% | 4,719 |
| Noninterest expense to average assets | 2.5923% | 5,771 |
| Loan and lease loss provision to assets | 0.0976% | 6,195 |
| Net operating income to assets | 1.0913% | 1,804 |
| Return on assets (ROA) | 1.0913% | 1,876 |
| Pretax return on assets | 1.5882% | 1,232 |
| Return on Equity (ROE) | 9.6902% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.6902% | 788 |
| Net charge-offs to loans | 0.0408% | 5,893 |
| Credit loss provision to net charge-offs | 329.4118% | 1,411 |
| Earnings coverage of net charge-offs (x) | 56.8824% | 624 |
| Efficiency ratio | 60.2689% | 6,501 |
| Assets per employee ($millions) | 4.5638% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,385 |
| Loan loss allowance to noncurrent loans | 389.0476% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 7,075 |
| Noncurrent loans to loans | 0.2517% | 6,886 |
| Net loans and leases to total assets | 72.4219% | 3,110 |
| Net loans and leases to deposits | 88.0165% | 3,165 |
| Net loans and leases to core deposits | 101.8376% | 4,293 |
| Total domestic deposits to total assets | 82.2822% | 4,575 |
| Equity capital to assets | 11.5782% | 2,486 |
| Core capital (leverage) ratio | 10.5520% | 2,765 |
| Tier 1 risk-based capital ratio | 13.0035% | 4,146 |
| Total risk-based capital ratio | 13.8864% | 4,328 |
| Memoranda: | ||
| Average total assets | $114,722,330 | 4,754 |
| Average earning assets | $107,416,000 | 4,693 |
| Average equity | $12,920,330 | 4,566 |
| Average total loans | $83,272,670 | 4,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 2,171 |
| Cost of funding earning assets | 2.0327% | 3,969 |
| Net interest margin | 4.0135% | 2,592 |
| Noninterest income to average assets | 0.4729% | 4,568 |
| Noninterest expense to average assets | 2.5731% | 5,557 |
| Loan and lease loss provision to assets | 0.0626% | 6,169 |
| Net operating income to assets | 1.0953% | 1,979 |
| Return on assets (ROA) | 1.0953% | 2,105 |
| Pretax return on assets | 1.5925% | 1,425 |
| Return on Equity (ROE) | 9.8626% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.8626% | 1,228 |
| Net charge-offs to loans | -0.0433% | 7,657 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5263% | 6,317 |
| Assets per employee ($millions) | 4.6338% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,552 |
| Loan loss allowance to noncurrent loans | 894.4444% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 7,362 |
| Noncurrent loans to loans | 0.1051% | 7,231 |
| Net loans and leases to total assets | 73.2211% | 2,957 |
| Net loans and leases to deposits | 94.2907% | 2,222 |
| Net loans and leases to core deposits | 106.3051% | 3,871 |
| Total domestic deposits to total assets | 77.6546% | 6,114 |
| Equity capital to assets | 11.1485% | 2,853 |
| Core capital (leverage) ratio | 10.4306% | 3,000 |
| Tier 1 risk-based capital ratio | 12.3848% | 4,629 |
| Total risk-based capital ratio | 13.2355% | 4,864 |
| Memoranda: | ||
| Average total assets | $115,036,500 | 4,776 |
| Average earning assets | $107,637,500 | 4,699 |
| Average equity | $12,775,500 | 4,634 |
| Average total loans | $83,186,000 | 4,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5922% | 2,523 |
| Cost of funding earning assets | 2.7145% | 3,095 |
| Net interest margin | 3.8776% | 3,668 |
| Noninterest income to average assets | 0.4695% | 4,880 |
| Noninterest expense to average assets | 2.4227% | 6,322 |
| Loan and lease loss provision to assets | 0.0679% | 6,543 |
| Net operating income to assets | 1.0886% | 2,192 |
| Return on assets (ROA) | 1.0886% | 2,107 |
| Pretax return on assets | 1.5804% | 1,443 |
| Return on Equity (ROE) | 9.8755% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.8755% | 467 |
| Net charge-offs to loans | -0.0291% | 7,966 |
| Credit loss provision to net charge-offs | -331.8182% | 7,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1231% | 6,512 |
| Assets per employee ($millions) | 4.5691% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,311 |
| Loan loss allowance to noncurrent loans | 19,450.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,643 |
| Noncurrent loans to loans | 0.0050% | 7,543 |
| Net loans and leases to total assets | 70.0056% | 4,014 |
| Net loans and leases to deposits | 84.9681% | 4,260 |
| Net loans and leases to core deposits | 97.4268% | 5,108 |
| Total domestic deposits to total assets | 82.3905% | 4,046 |
| Equity capital to assets | 11.0621% | 2,987 |
| Core capital (leverage) ratio | 10.3693% | 3,098 |
| Tier 1 risk-based capital ratio | 12.7872% | 4,233 |
| Total risk-based capital ratio | 13.6599% | 4,398 |
| Memoranda: | ||
| Average total assets | $107,565,200 | 4,843 |
| Average earning assets | $99,906,200 | 4,807 |
| Average equity | $11,857,600 | 4,871 |
| Average total loans | $75,633,800 | 4,666 |