Home > Union National Bank and Trust Company of Elgin > Performance and Condition Ratios
Union National Bank and Trust Company of Elgin, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 2,399 |
| Cost of funding earning assets | 0.9111% | 3,497 |
| Net interest margin | 3.9260% | 1,323 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 1.6235% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6305% | 823 |
| Return on assets (ROA) | 1.6305% | 793 |
| Pretax return on assets | 2.2626% | 454 |
| Return on Equity (ROE) | 15.2000% | 1,250 |
| Retained earnings to average equity (ytd only) | -0.4608% | 4,137 |
| Net charge-offs to loans | -0.0246% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.7767% | 4,322 |
| Assets per employee ($millions) | 14.1820% | 248 |
| Cash dividends to net income (ytd only)* | 103.0318% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,513 |
| Loan loss allowance to noncurrent loans | 23,513.3333% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,406 |
| Noncurrent loans to loans | 0.0049% | 3,750 |
| Net loans and leases to total assets | 84.9800% | 213 |
| Net loans and leases to deposits | 95.3035% | 841 |
| Net loans and leases to core deposits | 102.3309% | 1,316 |
| Total domestic deposits to total assets | 89.1700% | 1,012 |
| Equity capital to assets | 10.6194% | 1,665 |
| Core capital (leverage) ratio | 10.5717% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9183% | 1,090 |
| Memoranda: | ||
| Average total assets | $370,189,600 | 2,115 |
| Average earning assets | $366,145,600 | 2,026 |
| Average equity | $39,715,200 | 1,896 |
| Average total loans | $292,863,400 | 1,818 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 2,391 |
| Cost of funding earning assets | 0.8158% | 3,482 |
| Net interest margin | 3.9251% | 1,354 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 1.4559% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7510% | 725 |
| Return on assets (ROA) | 1.7510% | 712 |
| Pretax return on assets | 2.4317% | 414 |
| Return on Equity (ROE) | 16.2800% | 1,206 |
| Retained earnings to average equity (ytd only) | 16.2821% | 445 |
| Net charge-offs to loans | -0.0124% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.4461% | 4,418 |
| Assets per employee ($millions) | 16.2946% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,483 |
| Loan loss allowance to noncurrent loans | 9,948.5714% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,404 |
| Noncurrent loans to loans | 0.0118% | 3,708 |
| Net loans and leases to total assets | 81.4800% | 482 |
| Net loans and leases to deposits | 92.8284% | 979 |
| Net loans and leases to core deposits | 99.6850% | 1,331 |
| Total domestic deposits to total assets | 87.7700% | 1,652 |
| Equity capital to assets | 11.9244% | 1,053 |
| Core capital (leverage) ratio | 11.0240% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0278% | 549 |
| Memoranda: | ||
| Average total assets | $374,099,500 | 2,109 |
| Average earning assets | $370,185,250 | 2,007 |
| Average equity | $40,231,250 | 1,862 |
| Average total loans | $289,872,750 | 1,832 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,619 |
| Cost of funding earning assets | 0.7431% | 3,369 |
| Net interest margin | 3.7675% | 1,688 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 1.4405% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6520% | 869 |
| Return on assets (ROA) | 1.6520% | 870 |
| Pretax return on assets | 2.2937% | 472 |
| Return on Equity (ROE) | 15.9100% | 1,281 |
| Retained earnings to average equity (ytd only) | 15.9065% | 482 |
| Net charge-offs to loans | -0.0153% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.5767% | 4,428 |
| Assets per employee ($millions) | 15.4240% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,481 |
| Loan loss allowance to noncurrent loans | 2,214.6497% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,083 |
| Noncurrent loans to loans | 0.0538% | 3,314 |
| Net loans and leases to total assets | 74.7200% | 1,202 |
| Net loans and leases to deposits | 83.8156% | 1,684 |
| Net loans and leases to core deposits | 90.0232% | 1,792 |
| Total domestic deposits to total assets | 89.1500% | 1,196 |
| Equity capital to assets | 10.6242% | 1,538 |
| Core capital (leverage) ratio | 11.1457% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5537% | 590 |
| Memoranda: | ||
| Average total assets | $379,305,333 | 2,079 |
| Average earning assets | $375,471,333 | 1,991 |
| Average equity | $39,392,667 | 1,899 |
| Average total loans | $287,976,000 | 1,831 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 2,431 |
| Cost of funding earning assets | 0.7165% | 3,001 |
| Net interest margin | 3.7320% | 1,825 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 1.4239% | 4,454 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.6408% | 921 |
| Return on assets (ROA) | 1.6408% | 921 |
| Pretax return on assets | 2.2810% | 504 |
| Return on Equity (ROE) | 15.9900% | 1,360 |
| Retained earnings to average equity (ytd only) | 15.9874% | 690 |
| Net charge-offs to loans | -0.0140% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.5324% | 4,478 |
| Assets per employee ($millions) | 13.4554% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,458 |
| Loan loss allowance to noncurrent loans | 2,235.4839% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,073 |
| Noncurrent loans to loans | 0.0546% | 3,347 |
| Net loans and leases to total assets | 77.2600% | 848 |
| Net loans and leases to deposits | 87.0142% | 1,289 |
| Net loans and leases to core deposits | 92.9704% | 1,456 |
| Total domestic deposits to total assets | 88.7900% | 1,618 |
| Equity capital to assets | 10.8388% | 1,405 |
| Core capital (leverage) ratio | 10.0979% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9726% | 661 |
| Memoranda: | ||
| Average total assets | $376,158,500 | 2,120 |
| Average earning assets | $372,351,000 | 2,026 |
| Average equity | $38,605,500 | 1,942 |
| Average total loans | $286,170,000 | 1,857 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 1,307 |
| Cost of funding earning assets | 0.3955% | 2,144 |
| Net interest margin | 3.7761% | 1,210 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 1.7436% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4556% | 992 |
| Return on assets (ROA) | 1.4556% | 948 |
| Pretax return on assets | 2.0229% | 456 |
| Return on Equity (ROE) | 13.8000% | 1,575 |
| Retained earnings to average equity (ytd only) | 0.3401% | 4,294 |
| Net charge-offs to loans | -0.0020% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.2933% | 4,329 |
| Assets per employee ($millions) | 14.9623% | 208 |
| Cash dividends to net income (ytd only)* | 97.5354% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,369 |
| Loan loss allowance to noncurrent loans | 2,192.4051% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,112 |
| Noncurrent loans to loans | 0.0548% | 3,362 |
| Net loans and leases to total assets | 73.1900% | 1,291 |
| Net loans and leases to deposits | 81.3695% | 1,667 |
| Net loans and leases to core deposits | 86.0046% | 1,750 |
| Total domestic deposits to total assets | 89.9500% | 1,385 |
| Equity capital to assets | 9.7254% | 1,869 |
| Core capital (leverage) ratio | 9.4891% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3523% | 789 |
| Memoranda: | ||
| Average total assets | $373,527,400 | 2,129 |
| Average earning assets | $369,615,600 | 2,029 |
| Average equity | $39,402,200 | 1,937 |
| Average total loans | $303,767,800 | 1,707 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 1,180 |
| Cost of funding earning assets | 0.3416% | 1,772 |
| Net interest margin | 3.6994% | 1,137 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.6220% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4900% | 873 |
| Return on assets (ROA) | 1.4900% | 858 |
| Pretax return on assets | 2.0732% | 399 |
| Return on Equity (ROE) | 13.8400% | 1,472 |
| Retained earnings to average equity (ytd only) | 13.8408% | 486 |
| Net charge-offs to loans | 0.0425% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 58.6531% | 1,182 |
| Efficiency ratio | 43.8946% | 4,469 |
| Assets per employee ($millions) | 14.7135% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,764 |
| Loan loss allowance to noncurrent loans | 1,005.9880% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 2,814 |
| Noncurrent loans to loans | 0.1149% | 3,071 |
| Net loans and leases to total assets | 75.1300% | 1,000 |
| Net loans and leases to deposits | 84.6687% | 1,258 |
| Net loans and leases to core deposits | 89.4310% | 1,333 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 10.9347% | 1,204 |
| Core capital (leverage) ratio | 10.8248% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4963% | 604 |
| Memoranda: | ||
| Average total assets | $369,654,000 | 2,156 |
| Average earning assets | $365,704,750 | 2,067 |
| Average equity | $39,794,250 | 1,951 |
| Average total loans | $307,659,500 | 1,678 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 902 |
| Cost of funding earning assets | 0.3482% | 1,279 |
| Net interest margin | 3.6749% | 954 |
| Noninterest income to average assets | 0.0104% | 4,719 |
| Noninterest expense to average assets | 1.5295% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5169% | 682 |
| Return on assets (ROA) | 1.5169% | 659 |
| Pretax return on assets | 2.1152% | 282 |
| Return on Equity (ROE) | 14.1684% | 1,072 |
| Retained earnings to average equity (ytd only) | 14.1684% | 343 |
| Net charge-offs to loans | 0.0511% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 48.3000% | 1,175 |
| Efficiency ratio | 41.9646% | 4,570 |
| Assets per employee ($millions) | 13.9610% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,942 |
| Loan loss allowance to noncurrent loans | 993.5294% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,769 |
| Noncurrent loans to loans | 0.1154% | 3,160 |
| Net loans and leases to total assets | 80.2034% | 385 |
| Net loans and leases to deposits | 90.5758% | 683 |
| Net loans and leases to core deposits | 95.9112% | 833 |
| Total domestic deposits to total assets | 88.5483% | 2,364 |
| Equity capital to assets | 11.1495% | 1,151 |
| Core capital (leverage) ratio | 11.1962% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5965% | 649 |
| Memoranda: | ||
| Average total assets | $365,354,667 | 2,177 |
| Average earning assets | $361,316,000 | 2,098 |
| Average equity | $39,115,333 | 2,036 |
| Average total loans | $313,284,333 | 1,657 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 675 |
| Cost of funding earning assets | 0.3775% | 1,007 |
| Net interest margin | 3.6876% | 764 |
| Noninterest income to average assets | 0.0109% | 4,739 |
| Noninterest expense to average assets | 1.4078% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6097% | 496 |
| Return on assets (ROA) | 1.6097% | 496 |
| Pretax return on assets | 2.2491% | 242 |
| Return on Equity (ROE) | 15.3496% | 603 |
| Retained earnings to average equity (ytd only) | 15.3496% | 267 |
| Net charge-offs to loans | 0.0967% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 26.4231% | 1,187 |
| Efficiency ratio | 38.4960% | 4,673 |
| Assets per employee ($millions) | 14.2423% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,425 |
| Loan loss allowance to noncurrent loans | 936.2881% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,825 |
| Noncurrent loans to loans | 0.1150% | 3,253 |
| Net loans and leases to total assets | 83.8393% | 91 |
| Net loans and leases to deposits | 94.1601% | 355 |
| Net loans and leases to core deposits | 99.2370% | 537 |
| Total domestic deposits to total assets | 89.0392% | 2,062 |
| Equity capital to assets | 10.5793% | 1,558 |
| Core capital (leverage) ratio | 10.1918% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5485% | 822 |
| Memoranda: | ||
| Average total assets | $366,539,000 | 2,181 |
| Average earning assets | $362,403,500 | 2,101 |
| Average equity | $38,437,500 | 2,112 |
| Average total loans | $322,674,000 | 1,612 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 982 |
| Cost of funding earning assets | 0.4731% | 1,044 |
| Net interest margin | 3.7322% | 1,136 |
| Noninterest income to average assets | -0.1399% | 4,836 |
| Noninterest expense to average assets | 1.4884% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4842% | 1,050 |
| Return on assets (ROA) | 1.4842% | 1,102 |
| Pretax return on assets | 2.0368% | 566 |
| Return on Equity (ROE) | 16.0763% | 748 |
| Retained earnings to average equity (ytd only) | -7.3313% | 4,736 |
| Net charge-offs to loans | -0.0106% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2213% | 4,633 |
| Assets per employee ($millions) | 13.9530% | 244 |
| Cash dividends to net income (ytd only)* | 145.6033% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,596 |
| Loan loss allowance to noncurrent loans | 756.6740% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,766 |
| Noncurrent loans to loans | 0.1379% | 3,240 |
| Net loans and leases to total assets | 90.4280% | 15 |
| Net loans and leases to deposits | 101.2312% | 178 |
| Net loans and leases to core deposits | 107.9065% | 325 |
| Total domestic deposits to total assets | 89.3282% | 1,338 |
| Equity capital to assets | 10.3920% | 2,276 |
| Core capital (leverage) ratio | 9.9178% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8827% | 909 |
| Memoranda: | ||
| Average total assets | $428,314,200 | 1,900 |
| Average earning assets | $420,611,600 | 1,838 |
| Average equity | $39,542,600 | 2,097 |
| Average total loans | $378,644,400 | 1,432 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 1,498 |
| Cost of funding earning assets | 0.4833% | 1,143 |
| Net interest margin | 3.5351% | 1,772 |
| Noninterest income to average assets | -0.1712% | 4,909 |
| Noninterest expense to average assets | 1.1726% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5546% | 1,133 |
| Return on assets (ROA) | 1.5546% | 1,183 |
| Pretax return on assets | 2.1233% | 651 |
| Return on Equity (ROE) | 17.2815% | 724 |
| Retained earnings to average equity (ytd only) | 3.7129% | 3,674 |
| Net charge-offs to loans | -0.0106% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5772% | 4,820 |
| Assets per employee ($millions) | 17.3356% | 140 |
| Cash dividends to net income (ytd only)* | 78.5149% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,969 |
| Loan loss allowance to noncurrent loans | 439.9235% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,579 |
| Noncurrent loans to loans | 0.2190% | 3,073 |
| Net loans and leases to total assets | 81.8198% | 201 |
| Net loans and leases to deposits | 105.2616% | 144 |
| Net loans and leases to core deposits | 111.2534% | 301 |
| Total domestic deposits to total assets | 77.7299% | 4,444 |
| Equity capital to assets | 9.6248% | 3,266 |
| Core capital (leverage) ratio | 11.1540% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0335% | 690 |
| Memoranda: | ||
| Average total assets | $444,698,250 | 1,874 |
| Average earning assets | $436,149,250 | 1,803 |
| Average equity | $40,003,250 | 2,108 |
| Average total loans | $390,427,750 | 1,435 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 1,950 |
| Cost of funding earning assets | 0.5132% | 1,132 |
| Net interest margin | 3.3352% | 2,340 |
| Noninterest income to average assets | -0.2439% | 4,946 |
| Noninterest expense to average assets | 1.0659% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4547% | 1,410 |
| Return on assets (ROA) | 1.4547% | 1,480 |
| Pretax return on assets | 1.9596% | 902 |
| Return on Equity (ROE) | 16.5444% | 852 |
| Retained earnings to average equity (ytd only) | -4.1031% | 4,763 |
| Net charge-offs to loans | -0.0105% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2300% | 4,854 |
| Assets per employee ($millions) | 18.0465% | 130 |
| Cash dividends to net income (ytd only)* | 124.8007% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 4,246 |
| Loan loss allowance to noncurrent loans | 230.0334% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 1,480 |
| Noncurrent loans to loans | 0.3764% | 2,549 |
| Net loans and leases to total assets | 87.2784% | 54 |
| Net loans and leases to deposits | 122.1623% | 52 |
| Net loans and leases to core deposits | 128.7228% | 138 |
| Total domestic deposits to total assets | 71.4446% | 4,722 |
| Equity capital to assets | 8.8194% | 3,955 |
| Core capital (leverage) ratio | 10.8392% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7284% | 852 |
| Memoranda: | ||
| Average total assets | $448,468,000 | 1,851 |
| Average earning assets | $439,610,333 | 1,787 |
| Average equity | $39,433,333 | 2,121 |
| Average total loans | $401,221,333 | 1,406 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 4,004 |
| Cost of funding earning assets | 0.5578% | 1,058 |
| Net interest margin | 2.4829% | 4,322 |
| Noninterest income to average assets | 0.3525% | 3,328 |
| Noninterest expense to average assets | 1.0073% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2372% | 2,017 |
| Return on assets (ROA) | 1.2372% | 2,103 |
| Pretax return on assets | 1.7740% | 1,345 |
| Return on Equity (ROE) | 14.0925% | 1,412 |
| Retained earnings to average equity (ytd only) | -27.3901% | 4,942 |
| Net charge-offs to loans | -0.0119% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2174% | 4,842 |
| Assets per employee ($millions) | 18.7176% | 117 |
| Cash dividends to net income (ytd only)* | 294.3601% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 4,382 |
| Loan loss allowance to noncurrent loans | 228.9720% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 1,745 |
| Noncurrent loans to loans | 0.3552% | 2,806 |
| Net loans and leases to total assets | 89.3895% | 28 |
| Net loans and leases to deposits | 122.4897% | 57 |
| Net loans and leases to core deposits | 128.6125% | 156 |
| Total domestic deposits to total assets | 72.9771% | 4,701 |
| Equity capital to assets | 8.1017% | 4,431 |
| Core capital (leverage) ratio | 9.8483% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0940% | 914 |
| Memoranda: | ||
| Average total assets | $447,121,000 | 1,851 |
| Average earning assets | $437,399,000 | 1,788 |
| Average equity | $39,255,000 | 2,117 |
| Average total loans | $403,229,000 | 1,399 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 4,201 |
| Cost of funding earning assets | 0.8866% | 894 |
| Net interest margin | 2.5069% | 4,582 |
| Noninterest income to average assets | 0.4788% | 2,733 |
| Noninterest expense to average assets | 1.4433% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0385% | 2,147 |
| Return on assets (ROA) | 1.0385% | 2,288 |
| Pretax return on assets | 1.4915% | 1,358 |
| Return on Equity (ROE) | 10.4515% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.8330% | 2,903 |
| Net charge-offs to loans | -0.0105% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1786% | 4,578 |
| Assets per employee ($millions) | 17.0521% | 132 |
| Cash dividends to net income (ytd only)* | 63.3260% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,218 |
| Loan loss allowance to noncurrent loans | 169.7120% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 1,170 |
| Noncurrent loans to loans | 0.5235% | 2,408 |
| Net loans and leases to total assets | 89.4486% | 34 |
| Net loans and leases to deposits | 111.1587% | 155 |
| Net loans and leases to core deposits | 117.5542% | 348 |
| Total domestic deposits to total assets | 80.4692% | 3,965 |
| Equity capital to assets | 9.5235% | 3,586 |
| Core capital (leverage) ratio | 10.2562% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5471% | 832 |
| Memoranda: | ||
| Average total assets | $392,022,800 | 1,881 |
| Average earning assets | $384,064,800 | 1,818 |
| Average equity | $38,951,400 | 2,058 |
| Average total loans | $343,754,400 | 1,523 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 4,266 |
| Cost of funding earning assets | 0.9592% | 881 |
| Net interest margin | 2.5052% | 4,654 |
| Noninterest income to average assets | 0.3206% | 3,566 |
| Noninterest expense to average assets | 1.3248% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0097% | 2,305 |
| Return on assets (ROA) | 1.0097% | 2,435 |
| Pretax return on assets | 1.4496% | 1,573 |
| Return on Equity (ROE) | 10.0466% | 2,004 |
| Retained earnings to average equity (ytd only) | 1.1278% | 4,209 |
| Net charge-offs to loans | -0.0112% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7503% | 4,621 |
| Assets per employee ($millions) | 17.7706% | 113 |
| Cash dividends to net income (ytd only)* | 88.7741% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,188 |
| Loan loss allowance to noncurrent loans | 225.5291% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,643 |
| Noncurrent loans to loans | 0.3824% | 2,916 |
| Net loans and leases to total assets | 88.2329% | 73 |
| Net loans and leases to deposits | 107.5195% | 281 |
| Net loans and leases to core deposits | 113.4543% | 576 |
| Total domestic deposits to total assets | 82.0622% | 3,406 |
| Equity capital to assets | 8.8758% | 4,199 |
| Core capital (leverage) ratio | 9.6562% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7985% | 806 |
| Memoranda: | ||
| Average total assets | $383,453,000 | 1,895 |
| Average earning assets | $375,589,500 | 1,824 |
| Average equity | $38,539,500 | 2,066 |
| Average total loans | $333,508,250 | 1,562 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 4,225 |
| Cost of funding earning assets | 1.0467% | 849 |
| Net interest margin | 2.5766% | 4,676 |
| Noninterest income to average assets | 0.2295% | 4,114 |
| Noninterest expense to average assets | 1.3312% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9887% | 2,368 |
| Return on assets (ROA) | 0.9887% | 2,499 |
| Pretax return on assets | 1.4185% | 1,683 |
| Return on Equity (ROE) | 9.4190% | 2,191 |
| Retained earnings to average equity (ytd only) | -4.0636% | 4,732 |
| Net charge-offs to loans | -0.0121% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4129% | 4,598 |
| Assets per employee ($millions) | 17.9051% | 104 |
| Cash dividends to net income (ytd only)* | 143.1427% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,127 |
| Loan loss allowance to noncurrent loans | 223.4560% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 1,803 |
| Noncurrent loans to loans | 0.3886% | 3,012 |
| Net loans and leases to total assets | 83.4035% | 302 |
| Net loans and leases to deposits | 99.9737% | 554 |
| Net loans and leases to core deposits | 108.3533% | 799 |
| Total domestic deposits to total assets | 83.4254% | 2,951 |
| Equity capital to assets | 8.2334% | 4,620 |
| Core capital (leverage) ratio | 9.7704% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5135% | 842 |
| Memoranda: | ||
| Average total assets | $364,327,333 | 1,943 |
| Average earning assets | $356,365,667 | 1,870 |
| Average equity | $38,242,000 | 2,067 |
| Average total loans | $314,023,333 | 1,621 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,305 |
| Cost of funding earning assets | 1.1875% | 808 |
| Net interest margin | 2.9878% | 4,300 |
| Noninterest income to average assets | 0.0230% | 5,016 |
| Noninterest expense to average assets | 1.5402% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9728% | 2,273 |
| Return on assets (ROA) | 0.9728% | 2,378 |
| Pretax return on assets | 1.3923% | 1,586 |
| Return on Equity (ROE) | 7.9898% | 2,524 |
| Retained earnings to average equity (ytd only) | -19.0060% | 4,952 |
| Net charge-offs to loans | -0.0145% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5217% | 4,511 |
| Assets per employee ($millions) | 12.3077% | 218 |
| Cash dividends to net income (ytd only)* | 337.8768% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,585 |
| Loan loss allowance to noncurrent loans | 221.1213% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 1,329 |
| Noncurrent loans to loans | 0.5493% | 2,623 |
| Net loans and leases to total assets | 86.2037% | 127 |
| Net loans and leases to deposits | 97.8525% | 731 |
| Net loans and leases to core deposits | 102.4623% | 1,291 |
| Total domestic deposits to total assets | 88.0956% | 1,072 |
| Equity capital to assets | 11.6535% | 2,326 |
| Core capital (leverage) ratio | 11.8637% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6081% | 1,211 |
| Memoranda: | ||
| Average total assets | $313,724,500 | 2,139 |
| Average earning assets | $305,504,500 | 2,047 |
| Average equity | $38,198,500 | 2,060 |
| Average total loans | $275,199,000 | 1,737 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 3,212 |
| Cost of funding earning assets | 1.4009% | 564 |
| Net interest margin | 3.0109% | 4,504 |
| Noninterest income to average assets | -0.0381% | 5,152 |
| Noninterest expense to average assets | 1.7657% | 4,808 |
| Loan and lease loss provision to assets | -0.0691% | 5,038 |
| Net operating income to assets | 0.8919% | 3,238 |
| Return on assets (ROA) | 0.8919% | 3,328 |
| Pretax return on assets | 1.1915% | 2,869 |
| Return on Equity (ROE) | 7.1715% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.1715% | 1,323 |
| Net charge-offs to loans | -0.0212% | 4,638 |
| Credit loss provision to net charge-offs | 375.0000% | 743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1364% | 3,520 |
| Assets per employee ($millions) | 11.8250% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,186 |
| Loan loss allowance to noncurrent loans | 326.4479% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,467 |
| Noncurrent loans to loans | 0.3821% | 3,068 |
| Net loans and leases to total assets | 87.0948% | 117 |
| Net loans and leases to deposits | 100.0239% | 607 |
| Net loans and leases to core deposits | 105.6487% | 1,129 |
| Total domestic deposits to total assets | 87.0740% | 1,568 |
| Equity capital to assets | 12.7195% | 1,695 |
| Core capital (leverage) ratio | 12.1423% | 1,687 |
| Tier 1 risk-based capital ratio | 17.2847% | 1,972 |
| Total risk-based capital ratio | 18.5378% | 1,912 |
| Memoranda: | ||
| Average total assets | $304,074,200 | 2,139 |
| Average earning assets | $295,527,800 | 2,056 |
| Average equity | $37,816,600 | 2,014 |
| Average total loans | $264,374,800 | 1,755 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 3,363 |
| Cost of funding earning assets | 1.4272% | 519 |
| Net interest margin | 2.9707% | 4,662 |
| Noninterest income to average assets | -0.0668% | 5,231 |
| Noninterest expense to average assets | 1.6405% | 4,979 |
| Loan and lease loss provision to assets | -0.0923% | 5,157 |
| Net operating income to assets | 0.9665% | 3,094 |
| Return on assets (ROA) | 0.9665% | 3,174 |
| Pretax return on assets | 1.2699% | 2,754 |
| Return on Equity (ROE) | 7.8161% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.8161% | 1,488 |
| Net charge-offs to loans | -0.0228% | 4,618 |
| Credit loss provision to net charge-offs | 466.6667% | 668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2150% | 3,907 |
| Assets per employee ($millions) | 12.0859% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,145 |
| Loan loss allowance to noncurrent loans | 321.9675% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 1,157 |
| Noncurrent loans to loans | 0.3928% | 3,135 |
| Net loans and leases to total assets | 83.7477% | 379 |
| Net loans and leases to deposits | 95.7110% | 1,051 |
| Net loans and leases to core deposits | 99.8695% | 1,662 |
| Total domestic deposits to total assets | 87.5007% | 1,253 |
| Equity capital to assets | 12.2813% | 2,055 |
| Core capital (leverage) ratio | 12.3676% | 1,646 |
| Tier 1 risk-based capital ratio | 17.4470% | 1,957 |
| Total risk-based capital ratio | 18.7007% | 1,926 |
| Memoranda: | ||
| Average total assets | $303,230,250 | 2,163 |
| Average earning assets | $294,466,000 | 2,074 |
| Average equity | $37,494,250 | 2,040 |
| Average total loans | $262,679,750 | 1,773 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 3,352 |
| Cost of funding earning assets | 1.4385% | 468 |
| Net interest margin | 2.9554% | 4,749 |
| Noninterest income to average assets | 0.0167% | 5,223 |
| Noninterest expense to average assets | 1.5977% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0188% | 2,848 |
| Return on assets (ROA) | 1.0188% | 2,931 |
| Pretax return on assets | 1.2859% | 2,613 |
| Return on Equity (ROE) | 8.2201% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.2201% | 1,307 |
| Net charge-offs to loans | -0.0168% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4063% | 4,325 |
| Assets per employee ($millions) | 11.7834% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,736 |
| Loan loss allowance to noncurrent loans | 270.9825% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 1,050 |
| Noncurrent loans to loans | 0.5057% | 2,762 |
| Net loans and leases to total assets | 83.5936% | 401 |
| Net loans and leases to deposits | 95.6022% | 1,085 |
| Net loans and leases to core deposits | 99.2982% | 1,788 |
| Total domestic deposits to total assets | 87.4390% | 1,368 |
| Equity capital to assets | 12.3773% | 1,923 |
| Core capital (leverage) ratio | 12.4343% | 1,568 |
| Tier 1 risk-based capital ratio | 17.3038% | 1,996 |
| Total risk-based capital ratio | 18.5587% | 1,948 |
| Memoranda: | ||
| Average total assets | $299,562,670 | 2,187 |
| Average earning assets | $290,590,330 | 2,096 |
| Average equity | $37,128,330 | 2,056 |
| Average total loans | $261,395,000 | 1,784 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,217 |
| Cost of funding earning assets | 1.4127% | 437 |
| Net interest margin | 2.9899% | 4,768 |
| Noninterest income to average assets | 0.0189% | 5,277 |
| Noninterest expense to average assets | 1.6072% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9144% | 3,179 |
| Return on assets (ROA) | 0.9144% | 3,222 |
| Pretax return on assets | 1.3101% | 2,417 |
| Return on Equity (ROE) | 7.3722% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.3722% | 1,893 |
| Net charge-offs to loans | -0.0122% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0926% | 4,422 |
| Assets per employee ($millions) | 12.0387% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 1,853 |
| Loan loss allowance to noncurrent loans | 421.4031% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 1,160 |
| Noncurrent loans to loans | 0.3211% | 3,421 |
| Net loans and leases to total assets | 85.8410% | 203 |
| Net loans and leases to deposits | 98.1745% | 773 |
| Net loans and leases to core deposits | 99.9687% | 1,626 |
| Total domestic deposits to total assets | 87.4372% | 1,596 |
| Equity capital to assets | 12.3173% | 1,836 |
| Core capital (leverage) ratio | 12.1829% | 1,677 |
| Tier 1 risk-based capital ratio | 16.6150% | 2,223 |
| Total risk-based capital ratio | 17.8695% | 2,179 |
| Memoranda: | ||
| Average total assets | $296,160,000 | 2,219 |
| Average earning assets | $287,101,000 | 2,133 |
| Average equity | $36,732,500 | 2,067 |
| Average total loans | $262,261,500 | 1,794 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,970 |
| Cost of funding earning assets | 1.0684% | 554 |
| Net interest margin | 3.2699% | 4,340 |
| Noninterest income to average assets | -0.0851% | 5,373 |
| Noninterest expense to average assets | 1.5776% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0487% | 2,811 |
| Return on assets (ROA) | 1.0487% | 2,794 |
| Pretax return on assets | 1.4506% | 1,952 |
| Return on Equity (ROE) | 8.5762% | 3,188 |
| Retained earnings to average equity (ytd only) | -0.3558% | 5,026 |
| Net charge-offs to loans | 0.0045% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 372.3333% | 276 |
| Efficiency ratio | 52.0961% | 4,791 |
| Assets per employee ($millions) | 11.2059% | 248 |
| Cash dividends to net income (ytd only)* | 104.1486% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,840 |
| Loan loss allowance to noncurrent loans | 445.3401% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 1,105 |
| Noncurrent loans to loans | 0.3023% | 3,472 |
| Net loans and leases to total assets | 88.9265% | 81 |
| Net loans and leases to deposits | 101.8075% | 607 |
| Net loans and leases to core deposits | 105.9681% | 1,270 |
| Total domestic deposits to total assets | 87.3477% | 1,615 |
| Equity capital to assets | 12.4914% | 1,583 |
| Core capital (leverage) ratio | 11.9584% | 1,765 |
| Tier 1 risk-based capital ratio | 16.1885% | 2,346 |
| Total risk-based capital ratio | 17.4424% | 2,289 |
| Memoranda: | ||
| Average total assets | $308,003,400 | 2,103 |
| Average earning assets | $293,249,200 | 2,056 |
| Average equity | $37,662,400 | 1,957 |
| Average total loans | $267,122,000 | 1,746 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 3,024 |
| Cost of funding earning assets | 0.9998% | 596 |
| Net interest margin | 3.2848% | 4,325 |
| Noninterest income to average assets | 0.0461% | 5,348 |
| Noninterest expense to average assets | 1.4671% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2164% | 2,171 |
| Return on assets (ROA) | 1.2164% | 2,173 |
| Pretax return on assets | 1.6926% | 1,296 |
| Return on Equity (ROE) | 9.9981% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.9981% | 925 |
| Net charge-offs to loans | 0.0542% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 36.3577% | 1,425 |
| Efficiency ratio | 46.4315% | 5,128 |
| Assets per employee ($millions) | 11.9967% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,154 |
| Loan loss allowance to noncurrent loans | 416.8485% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 1,036 |
| Noncurrent loans to loans | 0.3090% | 3,563 |
| Net loans and leases to total assets | 84.5012% | 399 |
| Net loans and leases to deposits | 96.9268% | 1,047 |
| Net loans and leases to core deposits | 99.8965% | 1,806 |
| Total domestic deposits to total assets | 87.1804% | 1,648 |
| Equity capital to assets | 12.6240% | 1,510 |
| Core capital (leverage) ratio | 12.5151% | 1,494 |
| Tier 1 risk-based capital ratio | 17.1981% | 2,022 |
| Total risk-based capital ratio | 18.4511% | 1,973 |
| Memoranda: | ||
| Average total assets | $312,166,000 | 2,093 |
| Average earning assets | $295,905,250 | 2,055 |
| Average equity | $37,979,500 | 1,944 |
| Average total loans | $268,246,000 | 1,741 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 3,034 |
| Cost of funding earning assets | 0.9496% | 587 |
| Net interest margin | 3.2756% | 4,319 |
| Noninterest income to average assets | 0.0461% | 5,410 |
| Noninterest expense to average assets | 1.4341% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2445% | 2,002 |
| Return on assets (ROA) | 1.2445% | 2,001 |
| Pretax return on assets | 1.7095% | 1,187 |
| Return on Equity (ROE) | 10.3588% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.3588% | 826 |
| Net charge-offs to loans | -0.0082% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6194% | 5,226 |
| Assets per employee ($millions) | 12.4440% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,029 |
| Loan loss allowance to noncurrent loans | 423.6905% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 1,119 |
| Noncurrent loans to loans | 0.3140% | 3,581 |
| Net loans and leases to total assets | 81.5786% | 759 |
| Net loans and leases to deposits | 92.7544% | 1,500 |
| Net loans and leases to core deposits | 94.5551% | 2,180 |
| Total domestic deposits to total assets | 87.9512% | 1,406 |
| Equity capital to assets | 11.8905% | 1,931 |
| Core capital (leverage) ratio | 12.3634% | 1,513 |
| Tier 1 risk-based capital ratio | 16.7848% | 2,171 |
| Total risk-based capital ratio | 18.0388% | 2,115 |
| Memoranda: | ||
| Average total assets | $312,250,000 | 2,109 |
| Average earning assets | $295,272,330 | 2,069 |
| Average equity | $37,514,000 | 1,966 |
| Average total loans | $268,658,000 | 1,742 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,744 |
| Cost of funding earning assets | 0.9268% | 527 |
| Net interest margin | 3.3142% | 4,150 |
| Noninterest income to average assets | 0.0404% | 5,496 |
| Noninterest expense to average assets | 1.4220% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3242% | 1,566 |
| Return on assets (ROA) | 1.3242% | 1,571 |
| Pretax return on assets | 1.7443% | 1,016 |
| Return on Equity (ROE) | 10.9625% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.9625% | 906 |
| Net charge-offs to loans | -0.0089% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9114% | 5,323 |
| Assets per employee ($millions) | 12.9330% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,684.3602% | 387 |
| Noncurrent assets plus other real estate owned to assets | 1.1183% | 1,386 |
| Noncurrent loans to loans | 0.0782% | 4,633 |
| Net loans and leases to total assets | 85.7747% | 277 |
| Net loans and leases to deposits | 97.8111% | 880 |
| Net loans and leases to core deposits | 99.1997% | 1,748 |
| Total domestic deposits to total assets | 87.6942% | 1,792 |
| Equity capital to assets | 12.0954% | 1,718 |
| Core capital (leverage) ratio | 12.0828% | 1,606 |
| Tier 1 risk-based capital ratio | 15.7940% | 2,556 |
| Total risk-based capital ratio | 17.0472% | 2,504 |
| Memoranda: | ||
| Average total assets | $306,603,500 | 2,153 |
| Average earning assets | $289,179,000 | 2,124 |
| Average equity | $37,035,500 | 1,996 |
| Average total loans | $269,236,500 | 1,744 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,280 |
| Cost of funding earning assets | 0.7669% | 749 |
| Net interest margin | 3.2718% | 4,244 |
| Noninterest income to average assets | -0.0468% | 5,640 |
| Noninterest expense to average assets | 1.7796% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8417% | 2,991 |
| Return on assets (ROA) | 0.8417% | 3,018 |
| Pretax return on assets | 1.2337% | 2,619 |
| Return on Equity (ROE) | 6.5665% | 3,499 |
| Retained earnings to average equity (ytd only) | -5.6902% | 5,460 |
| Net charge-offs to loans | 0.3066% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.7321% | 3,418 |
| Efficiency ratio | 59.0571% | 4,404 |
| Assets per employee ($millions) | 11.6468% | 207 |
| Cash dividends to net income (ytd only)* | 186.6561% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,114 |
| Loan loss allowance to noncurrent loans | 1,657.9439% | 408 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 1,302 |
| Noncurrent loans to loans | 0.0796% | 4,640 |
| Net loans and leases to total assets | 87.5561% | 159 |
| Net loans and leases to deposits | 99.7596% | 745 |
| Net loans and leases to core deposits | 101.5960% | 1,580 |
| Total domestic deposits to total assets | 87.7672% | 1,620 |
| Equity capital to assets | 12.0628% | 1,790 |
| Core capital (leverage) ratio | 11.5610% | 1,900 |
| Tier 1 risk-based capital ratio | 15.1032% | 2,797 |
| Total risk-based capital ratio | 16.3562% | 2,737 |
| Memoranda: | ||
| Average total assets | $299,171,400 | 2,171 |
| Average earning assets | $279,816,000 | 2,152 |
| Average equity | $38,346,400 | 1,917 |
| Average total loans | $254,437,400 | 1,793 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,539 |
| Cost of funding earning assets | 0.7345% | 825 |
| Net interest margin | 3.2096% | 4,431 |
| Noninterest income to average assets | -0.0532% | 5,708 |
| Noninterest expense to average assets | 1.6871% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1672% | 1,810 |
| Return on assets (ROA) | 1.1672% | 1,856 |
| Pretax return on assets | 1.2642% | 2,650 |
| Return on Equity (ROE) | 8.9721% | 2,619 |
| Retained earnings to average equity (ytd only) | -0.3058% | 5,257 |
| Net charge-offs to loans | 0.2859% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.2565% | 3,129 |
| Efficiency ratio | 57.1645% | 4,595 |
| Assets per employee ($millions) | 13.0303% | 146 |
| Cash dividends to net income (ytd only)* | 103.4085% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,768 |
| Loan loss allowance to noncurrent loans | 374.7774% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 1,020 |
| Noncurrent loans to loans | 0.3825% | 3,578 |
| Net loans and leases to total assets | 83.3068% | 511 |
| Net loans and leases to deposits | 95.2573% | 1,176 |
| Net loans and leases to core deposits | 97.7979% | 1,902 |
| Total domestic deposits to total assets | 87.4545% | 1,641 |
| Equity capital to assets | 12.3498% | 1,746 |
| Core capital (leverage) ratio | 12.3210% | 1,500 |
| Tier 1 risk-based capital ratio | 16.4294% | 2,344 |
| Total risk-based capital ratio | 17.6843% | 2,294 |
| Memoranda: | ||
| Average total assets | $298,260,250 | 2,192 |
| Average earning assets | $279,195,000 | 2,173 |
| Average equity | $38,801,000 | 1,920 |
| Average total loans | $250,876,250 | 1,820 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,688 |
| Cost of funding earning assets | 0.6814% | 984 |
| Net interest margin | 3.1777% | 4,479 |
| Noninterest income to average assets | -0.1070% | 5,758 |
| Noninterest expense to average assets | 1.6923% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3202% | 1,249 |
| Return on assets (ROA) | 1.3202% | 1,274 |
| Pretax return on assets | 1.1723% | 2,886 |
| Return on Equity (ROE) | 9.9689% | 2,049 |
| Retained earnings to average equity (ytd only) | -3.9268% | 5,485 |
| Net charge-offs to loans | 0.4399% | 459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.1734% | 3,081 |
| Efficiency ratio | 59.0768% | 4,459 |
| Assets per employee ($millions) | 12.9789% | 137 |
| Cash dividends to net income (ytd only)* | 139.3908% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,638 |
| Loan loss allowance to noncurrent loans | 334.4523% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 973 |
| Noncurrent loans to loans | 0.4431% | 3,424 |
| Net loans and leases to total assets | 80.8054% | 833 |
| Net loans and leases to deposits | 92.1348% | 1,473 |
| Net loans and leases to core deposits | 94.1682% | 2,137 |
| Total domestic deposits to total assets | 87.7035% | 1,614 |
| Equity capital to assets | 12.1823% | 1,803 |
| Core capital (leverage) ratio | 12.7582% | 1,273 |
| Tier 1 risk-based capital ratio | 16.5675% | 2,293 |
| Total risk-based capital ratio | 17.8238% | 2,242 |
| Memoranda: | ||
| Average total assets | $293,438,330 | 2,230 |
| Average earning assets | $274,415,670 | 2,203 |
| Average equity | $38,861,000 | 1,921 |
| Average total loans | $246,398,000 | 1,847 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 3,451 |
| Cost of funding earning assets | 0.6417% | 1,119 |
| Net interest margin | 3.2417% | 4,210 |
| Noninterest income to average assets | -0.1097% | 5,836 |
| Noninterest expense to average assets | 1.6371% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7102% | 537 |
| Return on assets (ROA) | 1.7102% | 546 |
| Pretax return on assets | 1.2798% | 2,307 |
| Return on Equity (ROE) | 12.3709% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.3709% | 438 |
| Net charge-offs to loans | 0.9047% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.6636% | 2,701 |
| Efficiency ratio | 56.1234% | 4,929 |
| Assets per employee ($millions) | 11.6626% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,553 |
| Loan loss allowance to noncurrent loans | 218.5549% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 2.4118% | 495 |
| Noncurrent loans to loans | 0.7031% | 2,732 |
| Net loans and leases to total assets | 83.0943% | 449 |
| Net loans and leases to deposits | 96.3991% | 903 |
| Net loans and leases to core deposits | 98.4122% | 1,630 |
| Total domestic deposits to total assets | 86.1982% | 2,580 |
| Equity capital to assets | 13.6937% | 1,009 |
| Core capital (leverage) ratio | 13.5384% | 965 |
| Tier 1 risk-based capital ratio | 17.4480% | 2,047 |
| Total risk-based capital ratio | 18.7082% | 2,001 |
| Memoranda: | ||
| Average total assets | $284,410,500 | 2,296 |
| Average earning assets | $265,543,000 | 2,277 |
| Average equity | $39,318,000 | 1,896 |
| Average total loans | $241,852,000 | 1,884 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 3,800 |
| Cost of funding earning assets | 0.5977% | 1,351 |
| Net interest margin | 3.2345% | 4,349 |
| Noninterest income to average assets | 0.0200% | 5,826 |
| Noninterest expense to average assets | 2.0181% | 5,151 |
| Loan and lease loss provision to assets | -0.1753% | 5,764 |
| Net operating income to assets | 1.1565% | 1,665 |
| Return on assets (ROA) | 1.1565% | 1,758 |
| Pretax return on assets | 1.1565% | 2,866 |
| Return on Equity (ROE) | 8.7767% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.1800% | 1,158 |
| Net charge-offs to loans | 0.0785% | 2,566 |
| Credit loss provision to net charge-offs | -271.7391% | 5,051 |
| Earnings coverage of net charge-offs (x) | 15.2065% | 2,225 |
| Efficiency ratio | 67.2863% | 3,390 |
| Assets per employee ($millions) | 12.0547% | 169 |
| Cash dividends to net income (ytd only)* | 18.1928% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 915 |
| Loan loss allowance to noncurrent loans | 187.6843% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 3.1011% | 312 |
| Noncurrent loans to loans | 0.9703% | 2,149 |
| Net loans and leases to total assets | 84.1537% | 372 |
| Net loans and leases to deposits | 97.9468% | 829 |
| Net loans and leases to core deposits | 100.7309% | 1,558 |
| Total domestic deposits to total assets | 85.9178% | 2,621 |
| Equity capital to assets | 13.9618% | 902 |
| Core capital (leverage) ratio | 13.3050% | 1,029 |
| Tier 1 risk-based capital ratio | 17.6287% | 1,969 |
| Total risk-based capital ratio | 18.8922% | 1,929 |
| Memoranda: | ||
| Average total assets | $285,165,000 | 2,247 |
| Average earning assets | $262,670,600 | 2,260 |
| Average equity | $37,576,600 | 1,950 |
| Average total loans | $234,533,200 | 1,872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 3,896 |
| Cost of funding earning assets | 0.5915% | 1,397 |
| Net interest margin | 3.2173% | 4,437 |
| Noninterest income to average assets | 0.1077% | 5,681 |
| Noninterest expense to average assets | 2.0110% | 5,179 |
| Loan and lease loss provision to assets | -0.2322% | 5,881 |
| Net operating income to assets | 1.2862% | 1,337 |
| Return on assets (ROA) | 1.2862% | 1,441 |
| Pretax return on assets | 1.2862% | 2,485 |
| Return on Equity (ROE) | 9.9032% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.3312% | 726 |
| Net charge-offs to loans | 0.1232% | 1,729 |
| Credit loss provision to net charge-offs | -231.4815% | 4,902 |
| Earnings coverage of net charge-offs (x) | 10.5094% | 2,565 |
| Efficiency ratio | 65.6113% | 3,659 |
| Assets per employee ($millions) | 11.3370% | 199 |
| Cash dividends to net income (ytd only)* | 5.7762% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 911 |
| Loan loss allowance to noncurrent loans | 173.3360% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 3.5805% | 269 |
| Noncurrent loans to loans | 1.0737% | 2,104 |
| Net loans and leases to total assets | 79.9432% | 902 |
| Net loans and leases to deposits | 92.7014% | 1,412 |
| Net loans and leases to core deposits | 95.4479% | 2,057 |
| Total domestic deposits to total assets | 86.2373% | 2,246 |
| Equity capital to assets | 13.6269% | 1,187 |
| Core capital (leverage) ratio | 13.1625% | 1,127 |
| Tier 1 risk-based capital ratio | 17.7874% | 1,979 |
| Total risk-based capital ratio | 19.0506% | 1,938 |
| Memoranda: | ||
| Average total assets | $287,142,000 | 2,243 |
| Average earning assets | $263,940,250 | 2,266 |
| Average equity | $37,293,250 | 1,977 |
| Average total loans | $233,754,000 | 1,877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,849 |
| Cost of funding earning assets | 0.5757% | 1,498 |
| Net interest margin | 3.2542% | 4,363 |
| Noninterest income to average assets | 0.1928% | 5,344 |
| Noninterest expense to average assets | 2.0931% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0985% | 1,962 |
| Return on assets (ROA) | 1.0985% | 2,086 |
| Pretax return on assets | 1.0985% | 3,201 |
| Return on Equity (ROE) | 8.5969% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.5969% | 972 |
| Net charge-offs to loans | 0.0835% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.1633% | 1,945 |
| Efficiency ratio | 65.5802% | 3,749 |
| Assets per employee ($millions) | 11.5422% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 573 |
| Loan loss allowance to noncurrent loans | 191.2451% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 3.8551% | 247 |
| Noncurrent loans to loans | 1.1311% | 2,039 |
| Net loans and leases to total assets | 80.2461% | 858 |
| Net loans and leases to deposits | 92.9975% | 1,391 |
| Net loans and leases to core deposits | 94.9937% | 2,065 |
| Total domestic deposits to total assets | 86.2884% | 2,277 |
| Equity capital to assets | 13.5719% | 1,196 |
| Core capital (leverage) ratio | 13.3259% | 1,048 |
| Tier 1 risk-based capital ratio | 17.8966% | 1,962 |
| Total risk-based capital ratio | 19.1640% | 1,914 |
| Memoranda: | ||
| Average total assets | $288,381,000 | 2,251 |
| Average earning assets | $265,746,670 | 2,261 |
| Average equity | $36,850,330 | 2,003 |
| Average total loans | $234,713,330 | 1,880 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,084 |
| Cost of funding earning assets | 0.5649% | 1,581 |
| Net interest margin | 3.1999% | 4,579 |
| Noninterest income to average assets | 0.4067% | 3,773 |
| Noninterest expense to average assets | 2.0989% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2664% | 1,349 |
| Return on assets (ROA) | 1.2664% | 1,443 |
| Pretax return on assets | 1.2664% | 2,441 |
| Return on Equity (ROE) | 10.2090% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.2090% | 805 |
| Net charge-offs to loans | 0.1744% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.9519% | 2,020 |
| Efficiency ratio | 62.3686% | 4,393 |
| Assets per employee ($millions) | 11.0922% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1083% | 676 |
| Loan loss allowance to noncurrent loans | 190.9374% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 4.2026% | 224 |
| Noncurrent loans to loans | 1.1042% | 2,194 |
| Net loans and leases to total assets | 82.1979% | 535 |
| Net loans and leases to deposits | 95.0649% | 1,037 |
| Net loans and leases to core deposits | 98.4469% | 1,605 |
| Total domestic deposits to total assets | 86.4650% | 2,466 |
| Equity capital to assets | 13.3222% | 1,256 |
| Core capital (leverage) ratio | 12.6310% | 1,294 |
| Tier 1 risk-based capital ratio | 17.2077% | 2,211 |
| Total risk-based capital ratio | 18.4744% | 2,172 |
| Memoranda: | ||
| Average total assets | $294,065,000 | 2,223 |
| Average earning assets | $271,883,000 | 2,230 |
| Average equity | $36,477,500 | 2,015 |
| Average total loans | $238,466,500 | 1,868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 4,249 |
| Cost of funding earning assets | 0.6273% | 1,196 |
| Net interest margin | 3.1085% | 4,882 |
| Noninterest income to average assets | -0.1779% | 6,157 |
| Noninterest expense to average assets | 1.7700% | 5,779 |
| Loan and lease loss provision to assets | -0.0669% | 5,779 |
| Net operating income to assets | 0.9626% | 2,563 |
| Return on assets (ROA) | 0.9626% | 2,638 |
| Pretax return on assets | 0.9619% | 3,605 |
| Return on Equity (ROE) | 8.2090% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.6428% | 1,990 |
| Net charge-offs to loans | 0.1026% | 2,387 |
| Credit loss provision to net charge-offs | -82.3045% | 5,111 |
| Earnings coverage of net charge-offs (x) | 11.0165% | 2,634 |
| Efficiency ratio | 66.4158% | 3,838 |
| Assets per employee ($millions) | 12.9511% | 121 |
| Cash dividends to net income (ytd only)* | 31.2609% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 737 |
| Loan loss allowance to noncurrent loans | 107.8993% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 4.1850% | 244 |
| Noncurrent loans to loans | 1.9034% | 1,125 |
| Net loans and leases to total assets | 76.9154% | 1,265 |
| Net loans and leases to deposits | 87.1375% | 1,984 |
| Net loans and leases to core deposits | 88.7688% | 2,525 |
| Total domestic deposits to total assets | 88.2690% | 1,498 |
| Equity capital to assets | 11.5859% | 2,293 |
| Core capital (leverage) ratio | 11.5211% | 1,947 |
| Tier 1 risk-based capital ratio | 15.8971% | 2,737 |
| Total risk-based capital ratio | 17.1631% | 2,668 |
| Memoranda: | ||
| Average total assets | $299,091,400 | 2,151 |
| Average earning assets | $273,536,600 | 2,178 |
| Average equity | $35,071,200 | 2,035 |
| Average total loans | $236,783,600 | 1,825 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,243 |
| Cost of funding earning assets | 0.6319% | 1,197 |
| Net interest margin | 3.1229% | 4,905 |
| Noninterest income to average assets | -0.0419% | 6,216 |
| Noninterest expense to average assets | 1.8215% | 5,751 |
| Loan and lease loss provision to assets | -0.0900% | 5,980 |
| Net operating income to assets | 1.0746% | 2,114 |
| Return on assets (ROA) | 1.0746% | 2,204 |
| Pretax return on assets | 1.0746% | 3,318 |
| Return on Equity (ROE) | 9.1359% | 2,499 |
| Retained earnings to average equity (ytd only) | 5.6913% | 2,450 |
| Net charge-offs to loans | 0.0380% | 3,136 |
| Credit loss provision to net charge-offs | -298.5075% | 5,264 |
| Earnings coverage of net charge-offs (x) | 32.6422% | 1,414 |
| Efficiency ratio | 64.9126% | 4,084 |
| Assets per employee ($millions) | 13.0332% | 119 |
| Cash dividends to net income (ytd only)* | 37.7042% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 687 |
| Loan loss allowance to noncurrent loans | 95.3685% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 5.2745% | 176 |
| Noncurrent loans to loans | 2.2885% | 939 |
| Net loans and leases to total assets | 77.5843% | 1,166 |
| Net loans and leases to deposits | 88.1621% | 1,880 |
| Net loans and leases to core deposits | 89.7170% | 2,493 |
| Total domestic deposits to total assets | 88.0019% | 1,550 |
| Equity capital to assets | 11.8494% | 2,219 |
| Core capital (leverage) ratio | 11.6020% | 1,956 |
| Tier 1 risk-based capital ratio | 16.2598% | 2,687 |
| Total risk-based capital ratio | 17.5270% | 2,636 |
| Memoranda: | ||
| Average total assets | $296,157,750 | 2,183 |
| Average earning assets | $270,082,750 | 2,215 |
| Average equity | $34,836,000 | 2,062 |
| Average total loans | $234,958,000 | 1,839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,062 |
| Cost of funding earning assets | 0.6311% | 1,224 |
| Net interest margin | 3.1709% | 4,746 |
| Noninterest income to average assets | 0.2224% | 5,372 |
| Noninterest expense to average assets | 1.7236% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3778% | 1,133 |
| Return on assets (ROA) | 1.3778% | 1,176 |
| Pretax return on assets | 1.3778% | 2,073 |
| Return on Equity (ROE) | 11.7429% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.5418% | 1,929 |
| Net charge-offs to loans | 0.0598% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.0286% | 1,390 |
| Efficiency ratio | 55.5750% | 5,467 |
| Assets per employee ($millions) | 13.6244% | 104 |
| Cash dividends to net income (ytd only)* | 44.2913% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 627 |
| Loan loss allowance to noncurrent loans | 98.9710% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 6.2672% | 146 |
| Noncurrent loans to loans | 2.3346% | 1,002 |
| Net loans and leases to total assets | 75.9723% | 1,372 |
| Net loans and leases to deposits | 86.4923% | 2,007 |
| Net loans and leases to core deposits | 87.9189% | 2,560 |
| Total domestic deposits to total assets | 87.8370% | 1,736 |
| Equity capital to assets | 11.7320% | 2,219 |
| Core capital (leverage) ratio | 11.8909% | 1,720 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,658 |
| Total risk-based capital ratio | 17.6728% | 2,606 |
| Memoranda: | ||
| Average total assets | $294,956,000 | 2,208 |
| Average earning assets | $267,806,330 | 2,252 |
| Average equity | $34,608,000 | 2,082 |
| Average total loans | $234,024,670 | 1,849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,103 |
| Cost of funding earning assets | 0.6218% | 1,291 |
| Net interest margin | 3.1558% | 4,766 |
| Noninterest income to average assets | -0.3049% | 6,389 |
| Noninterest expense to average assets | 1.7432% | 5,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8108% | 3,205 |
| Return on assets (ROA) | 0.8108% | 3,330 |
| Pretax return on assets | 0.8108% | 4,193 |
| Return on Equity (ROE) | 6.9095% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.9095% | 2,046 |
| Net charge-offs to loans | 0.1006% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.0508% | 1,960 |
| Efficiency ratio | 68.2548% | 3,779 |
| Assets per employee ($millions) | 13.4036% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 705 |
| Loan loss allowance to noncurrent loans | 74.8544% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 7.3528% | 118 |
| Noncurrent loans to loans | 3.0656% | 689 |
| Net loans and leases to total assets | 77.9289% | 938 |
| Net loans and leases to deposits | 88.4256% | 1,570 |
| Net loans and leases to core deposits | 90.4096% | 2,091 |
| Total domestic deposits to total assets | 88.1294% | 1,741 |
| Equity capital to assets | 11.7424% | 2,247 |
| Core capital (leverage) ratio | 11.7560% | 1,806 |
| Tier 1 risk-based capital ratio | 15.8223% | 3,005 |
| Total risk-based capital ratio | 17.0875% | 2,936 |
| Memoranda: | ||
| Average total assets | $292,565,500 | 2,236 |
| Average earning assets | $265,038,500 | 2,281 |
| Average equity | $34,329,500 | 2,112 |
| Average total loans | $234,485,500 | 1,839 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,571 |
| Cost of funding earning assets | 0.6631% | 1,314 |
| Net interest margin | 3.3750% | 4,299 |
| Noninterest income to average assets | -0.0023% | 6,405 |
| Noninterest expense to average assets | 1.9478% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1055% | 1,955 |
| Return on assets (ROA) | 1.1055% | 2,008 |
| Pretax return on assets | 1.1055% | 3,059 |
| Return on Equity (ROE) | 10.5160% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.5160% | 441 |
| Net charge-offs to loans | 0.6774% | 555 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.0690% | 4,257 |
| Efficiency ratio | 63.7924% | 4,618 |
| Assets per employee ($millions) | 12.0938% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3338% | 690 |
| Loan loss allowance to noncurrent loans | 70.8295% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 8.4241% | 109 |
| Noncurrent loans to loans | 3.2950% | 646 |
| Net loans and leases to total assets | 78.6634% | 924 |
| Net loans and leases to deposits | 89.2713% | 1,589 |
| Net loans and leases to core deposits | 91.5808% | 2,138 |
| Total domestic deposits to total assets | 88.1172% | 1,710 |
| Equity capital to assets | 11.7253% | 2,230 |
| Core capital (leverage) ratio | 10.9663% | 2,438 |
| Tier 1 risk-based capital ratio | 13.3421% | 4,518 |
| Total risk-based capital ratio | 14.6045% | 4,435 |
| Memoranda: | ||
| Average total assets | $309,175,000 | 2,104 |
| Average earning assets | $279,909,400 | 2,129 |
| Average equity | $32,503,000 | 2,140 |
| Average total loans | $243,870,400 | 1,727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,525 |
| Cost of funding earning assets | 0.6700% | 1,318 |
| Net interest margin | 3.3893% | 4,279 |
| Noninterest income to average assets | 0.0395% | 6,408 |
| Noninterest expense to average assets | 1.9521% | 5,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1600% | 1,824 |
| Return on assets (ROA) | 1.1600% | 1,889 |
| Pretax return on assets | 1.1600% | 2,947 |
| Return on Equity (ROE) | 11.3362% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.3362% | 474 |
| Net charge-offs to loans | 0.9102% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.6237% | 4,115 |
| Efficiency ratio | 62.7269% | 4,778 |
| Assets per employee ($millions) | 12.7468% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3191% | 807 |
| Loan loss allowance to noncurrent loans | 147.6864% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 6.9567% | 172 |
| Noncurrent loans to loans | 1.5703% | 2,073 |
| Net loans and leases to total assets | 74.7060% | 1,410 |
| Net loans and leases to deposits | 83.9864% | 2,153 |
| Net loans and leases to core deposits | 86.5614% | 2,605 |
| Total domestic deposits to total assets | 88.9501% | 1,264 |
| Equity capital to assets | 10.9005% | 3,068 |
| Core capital (leverage) ratio | 10.5604% | 2,968 |
| Tier 1 risk-based capital ratio | 13.1191% | 4,788 |
| Total risk-based capital ratio | 14.3810% | 4,709 |
| Memoranda: | ||
| Average total assets | $313,905,750 | 2,085 |
| Average earning assets | $284,576,750 | 2,109 |
| Average equity | $32,120,500 | 2,166 |
| Average total loans | $246,393,500 | 1,721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 3,241 |
| Cost of funding earning assets | 0.6809% | 1,305 |
| Net interest margin | 3.4451% | 4,000 |
| Noninterest income to average assets | -0.0588% | 6,587 |
| Noninterest expense to average assets | 1.8069% | 6,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2572% | 1,425 |
| Return on assets (ROA) | 1.2572% | 1,490 |
| Pretax return on assets | 1.2572% | 2,424 |
| Return on Equity (ROE) | 12.5506% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.5506% | 374 |
| Net charge-offs to loans | 0.4550% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4912% | 3,291 |
| Efficiency ratio | 58.9691% | 5,433 |
| Assets per employee ($millions) | 12.4614% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6908% | 543 |
| Loan loss allowance to noncurrent loans | 115.6963% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 7.4489% | 155 |
| Noncurrent loans to loans | 2.3258% | 1,390 |
| Net loans and leases to total assets | 75.8939% | 1,180 |
| Net loans and leases to deposits | 84.9093% | 1,942 |
| Net loans and leases to core deposits | 87.2068% | 2,394 |
| Total domestic deposits to total assets | 89.3823% | 1,167 |
| Equity capital to assets | 10.4659% | 3,481 |
| Core capital (leverage) ratio | 10.0444% | 3,546 |
| Tier 1 risk-based capital ratio | 12.4627% | 5,250 |
| Total risk-based capital ratio | 13.7293% | 5,164 |
| Memoranda: | ||
| Average total assets | $316,567,000 | 2,064 |
| Average earning assets | $286,957,000 | 2,094 |
| Average equity | $31,711,670 | 2,174 |
| Average total loans | $250,535,330 | 1,691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 3,342 |
| Cost of funding earning assets | 0.6886% | 1,315 |
| Net interest margin | 3.3976% | 4,125 |
| Noninterest income to average assets | 0.1417% | 6,128 |
| Noninterest expense to average assets | 1.5983% | 6,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6297% | 640 |
| Return on assets (ROA) | 1.6297% | 665 |
| Pretax return on assets | 1.6297% | 1,109 |
| Return on Equity (ROE) | 16.6320% | 572 |
| Retained earnings to average equity (ytd only) | 16.6320% | 236 |
| Net charge-offs to loans | 0.6040% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3854% | 2,691 |
| Efficiency ratio | 49.5146% | 6,284 |
| Assets per employee ($millions) | 12.7845% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6793% | 646 |
| Loan loss allowance to noncurrent loans | 121.5474% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 6.9885% | 221 |
| Noncurrent loans to loans | 2.2043% | 1,650 |
| Net loans and leases to total assets | 76.4164% | 951 |
| Net loans and leases to deposits | 85.0519% | 1,716 |
| Net loans and leases to core deposits | 86.7007% | 2,240 |
| Total domestic deposits to total assets | 89.8468% | 1,156 |
| Equity capital to assets | 9.9855% | 3,860 |
| Core capital (leverage) ratio | 9.8471% | 3,791 |
| Tier 1 risk-based capital ratio | 12.1862% | 5,517 |
| Total risk-based capital ratio | 13.4535% | 5,438 |
| Memoranda: | ||
| Average total assets | $319,083,000 | 2,046 |
| Average earning assets | $289,855,000 | 2,082 |
| Average equity | $31,265,000 | 2,196 |
| Average total loans | $254,316,000 | 1,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,789 |
| Cost of funding earning assets | 0.8156% | 1,118 |
| Net interest margin | 3.5297% | 3,765 |
| Noninterest income to average assets | -0.1034% | 6,723 |
| Noninterest expense to average assets | 2.0411% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0226% | 2,237 |
| Return on assets (ROA) | 1.0226% | 2,296 |
| Pretax return on assets | 1.0188% | 3,275 |
| Return on Equity (ROE) | 11.9035% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.9035% | 326 |
| Net charge-offs to loans | 0.1982% | 2,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.5284% | 3,044 |
| Efficiency ratio | 66.7053% | 4,426 |
| Assets per employee ($millions) | 13.8502% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7585% | 634 |
| Loan loss allowance to noncurrent loans | 120.7406% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 7.4245% | 221 |
| Noncurrent loans to loans | 2.2847% | 1,691 |
| Net loans and leases to total assets | 78.6567% | 748 |
| Net loans and leases to deposits | 87.2401% | 1,550 |
| Net loans and leases to core deposits | 89.8069% | 2,049 |
| Total domestic deposits to total assets | 90.1612% | 997 |
| Equity capital to assets | 9.6106% | 4,272 |
| Core capital (leverage) ratio | 9.2026% | 4,718 |
| Tier 1 risk-based capital ratio | 11.3768% | 5,982 |
| Total risk-based capital ratio | 12.6456% | 5,902 |
| Memoranda: | ||
| Average total assets | $338,343,600 | 1,901 |
| Average earning assets | $303,227,400 | 1,955 |
| Average equity | $29,067,200 | 2,308 |
| Average total loans | $266,347,800 | 1,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 2,660 |
| Cost of funding earning assets | 0.8412% | 1,088 |
| Net interest margin | 3.5369% | 3,727 |
| Noninterest income to average assets | 0.0105% | 6,719 |
| Noninterest expense to average assets | 2.0503% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1255% | 1,908 |
| Return on assets (ROA) | 1.1255% | 1,972 |
| Pretax return on assets | 1.1201% | 3,015 |
| Return on Equity (ROE) | 13.4723% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.4723% | 290 |
| Net charge-offs to loans | 0.2453% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.8381% | 3,096 |
| Efficiency ratio | 64.6699% | 4,701 |
| Assets per employee ($millions) | 14.6361% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7440% | 709 |
| Loan loss allowance to noncurrent loans | 108.4751% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 8.3792% | 206 |
| Noncurrent loans to loans | 2.5297% | 1,707 |
| Net loans and leases to total assets | 75.1956% | 1,115 |
| Net loans and leases to deposits | 82.7558% | 2,039 |
| Net loans and leases to core deposits | 85.5881% | 2,454 |
| Total domestic deposits to total assets | 90.8645% | 589 |
| Equity capital to assets | 8.9276% | 5,268 |
| Core capital (leverage) ratio | 8.8024% | 5,410 |
| Tier 1 risk-based capital ratio | 10.8728% | 6,334 |
| Total risk-based capital ratio | 12.1416% | 6,292 |
| Memoranda: | ||
| Average total assets | $343,291,000 | 1,894 |
| Average earning assets | $306,701,750 | 1,940 |
| Average equity | $28,680,250 | 2,353 |
| Average total loans | $268,516,750 | 1,564 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 2,370 |
| Cost of funding earning assets | 0.8712% | 1,024 |
| Net interest margin | 3.5825% | 3,442 |
| Noninterest income to average assets | 0.0654% | 6,621 |
| Noninterest expense to average assets | 2.0011% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2712% | 1,401 |
| Return on assets (ROA) | 1.2712% | 1,499 |
| Pretax return on assets | 1.2683% | 2,412 |
| Return on Equity (ROE) | 15.5620% | 725 |
| Retained earnings to average equity (ytd only) | 15.5620% | 206 |
| Net charge-offs to loans | 0.3377% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.7838% | 3,035 |
| Efficiency ratio | 61.2075% | 5,295 |
| Assets per employee ($millions) | 15.4101% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7170% | 777 |
| Loan loss allowance to noncurrent loans | 147.6651% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 8.2234% | 240 |
| Noncurrent loans to loans | 1.8400% | 2,580 |
| Net loans and leases to total assets | 75.8101% | 1,002 |
| Net loans and leases to deposits | 83.4241% | 1,876 |
| Net loans and leases to core deposits | 86.1335% | 2,322 |
| Total domestic deposits to total assets | 90.8732% | 592 |
| Equity capital to assets | 8.6573% | 5,603 |
| Core capital (leverage) ratio | 8.5852% | 5,573 |
| Tier 1 risk-based capital ratio | 10.5401% | 6,487 |
| Total risk-based capital ratio | 11.8080% | 6,462 |
| Memoranda: | ||
| Average total assets | $345,511,330 | 1,887 |
| Average earning assets | $308,999,670 | 1,935 |
| Average equity | $28,222,670 | 2,411 |
| Average total loans | $271,264,670 | 1,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 2,063 |
| Cost of funding earning assets | 0.9074% | 952 |
| Net interest margin | 3.6234% | 3,173 |
| Noninterest income to average assets | -0.1067% | 6,921 |
| Noninterest expense to average assets | 1.9773% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1538% | 1,655 |
| Return on assets (ROA) | 1.1538% | 1,764 |
| Pretax return on assets | 1.1538% | 2,750 |
| Return on Equity (ROE) | 14.5486% | 856 |
| Retained earnings to average equity (ytd only) | 14.5486% | 394 |
| Net charge-offs to loans | 0.2533% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.7816% | 2,324 |
| Efficiency ratio | 63.1502% | 5,132 |
| Assets per employee ($millions) | 14.2258% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7497% | 864 |
| Loan loss allowance to noncurrent loans | 119.1632% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 8.3021% | 295 |
| Noncurrent loans to loans | 2.3075% | 2,268 |
| Net loans and leases to total assets | 77.2988% | 689 |
| Net loans and leases to deposits | 84.6127% | 1,515 |
| Net loans and leases to core deposits | 87.6871% | 1,938 |
| Total domestic deposits to total assets | 91.3561% | 395 |
| Equity capital to assets | 8.2485% | 6,219 |
| Core capital (leverage) ratio | 8.0521% | 6,094 |
| Tier 1 risk-based capital ratio | 9.8662% | 6,709 |
| Total risk-based capital ratio | 11.1347% | 6,694 |
| Memoranda: | ||
| Average total assets | $348,756,000 | 1,898 |
| Average earning assets | $311,644,000 | 1,948 |
| Average equity | $27,659,000 | 2,474 |
| Average total loans | $274,801,500 | 1,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 2,974 |
| Cost of funding earning assets | 1.1316% | 797 |
| Net interest margin | 3.4746% | 4,605 |
| Noninterest income to average assets | -0.2807% | 6,989 |
| Noninterest expense to average assets | 1.8399% | 6,565 |
| Loan and lease loss provision to assets | 0.0614% | 5,003 |
| Net operating income to assets | 1.5534% | 826 |
| Return on assets (ROA) | 1.5534% | 904 |
| Pretax return on assets | 0.9279% | 3,818 |
| Return on Equity (ROE) | 24.4044% | 142 |
| Retained earnings to average equity (ytd only) | 24.4044% | 34 |
| Net charge-offs to loans | 1.6405% | 515 |
| Credit loss provision to net charge-offs | 4.7571% | 5,452 |
| Earnings coverage of net charge-offs (x) | 0.7662% | 5,095 |
| Efficiency ratio | 65.0314% | 4,696 |
| Assets per employee ($millions) | 15.4823% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7445% | 882 |
| Loan loss allowance to noncurrent loans | 111.6211% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 8.3321% | 322 |
| Noncurrent loans to loans | 2.4588% | 2,158 |
| Net loans and leases to total assets | 75.9892% | 913 |
| Net loans and leases to deposits | 82.7453% | 1,902 |
| Net loans and leases to core deposits | 86.5131% | 2,247 |
| Total domestic deposits to total assets | 91.8350% | 274 |
| Equity capital to assets | 7.6261% | 6,584 |
| Core capital (leverage) ratio | 7.3413% | 6,565 |
| Tier 1 risk-based capital ratio | 9.3635% | 6,817 |
| Total risk-based capital ratio | 10.6328% | 6,812 |
| Memoranda: | ||
| Average total assets | $382,576,400 | 1,703 |
| Average earning assets | $342,426,200 | 1,741 |
| Average equity | $24,352,200 | 2,727 |
| Average total loans | $301,127,400 | 1,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 3,228 |
| Cost of funding earning assets | 1.1687% | 801 |
| Net interest margin | 3.4260% | 4,942 |
| Noninterest income to average assets | 0.0260% | 6,879 |
| Noninterest expense to average assets | 1.7725% | 6,707 |
| Loan and lease loss provision to assets | 0.1939% | 3,154 |
| Net operating income to assets | 1.9452% | 413 |
| Return on assets (ROA) | 1.9452% | 476 |
| Pretax return on assets | 1.1257% | 3,250 |
| Return on Equity (ROE) | 32.0088% | 59 |
| Retained earnings to average equity (ytd only) | 32.0088% | 29 |
| Net charge-offs to loans | 2.0396% | 348 |
| Credit loss provision to net charge-offs | 12.0579% | 5,055 |
| Earnings coverage of net charge-offs (x) | 0.8206% | 4,920 |
| Efficiency ratio | 57.3233% | 5,879 |
| Assets per employee ($millions) | 15.5545% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7995% | 887 |
| Loan loss allowance to noncurrent loans | 123.7643% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 7.5356% | 439 |
| Noncurrent loans to loans | 2.2619% | 2,543 |
| Net loans and leases to total assets | 76.3891% | 908 |
| Net loans and leases to deposits | 82.5119% | 2,055 |
| Net loans and leases to core deposits | 86.8149% | 2,365 |
| Total domestic deposits to total assets | 92.5796% | 146 |
| Equity capital to assets | 7.2032% | 6,846 |
| Core capital (leverage) ratio | 7.1333% | 6,767 |
| Tier 1 risk-based capital ratio | 8.8545% | 6,953 |
| Total risk-based capital ratio | 10.1237% | 6,953 |
| Memoranda: | ||
| Average total assets | $389,197,000 | 1,704 |
| Average earning assets | $348,306,750 | 1,729 |
| Average equity | $23,651,250 | 2,807 |
| Average total loans | $306,852,000 | 1,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 3,191 |
| Cost of funding earning assets | 1.2236% | 739 |
| Net interest margin | 3.4148% | 5,024 |
| Noninterest income to average assets | 0.0395% | 6,895 |
| Noninterest expense to average assets | 1.7116% | 6,831 |
| Loan and lease loss provision to assets | 0.4396% | 1,479 |
| Net operating income to assets | 1.9387% | 430 |
| Return on assets (ROA) | 1.9387% | 495 |
| Pretax return on assets | 0.9318% | 3,958 |
| Return on Equity (ROE) | 33.8832% | 58 |
| Retained earnings to average equity (ytd only) | 33.8832% | 39 |
| Net charge-offs to loans | 2.9087% | 206 |
| Credit loss provision to net charge-offs | 19.1475% | 4,620 |
| Earnings coverage of net charge-offs (x) | 0.5974% | 4,768 |
| Efficiency ratio | 55.5172% | 6,172 |
| Assets per employee ($millions) | 15.1648% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9156% | 855 |
| Loan loss allowance to noncurrent loans | 175.7085% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 8.1555% | 416 |
| Noncurrent loans to loans | 1.6593% | 3,406 |
| Net loans and leases to total assets | 76.2379% | 938 |
| Net loans and leases to deposits | 81.8415% | 2,136 |
| Net loans and leases to core deposits | 85.9867% | 2,428 |
| Total domestic deposits to total assets | 93.1531% | 116 |
| Equity capital to assets | 6.6035% | 6,968 |
| Core capital (leverage) ratio | 6.4181% | 6,944 |
| Tier 1 risk-based capital ratio | 8.0010% | 7,039 |
| Total risk-based capital ratio | 9.2713% | 7,041 |
| Memoranda: | ||
| Average total assets | $394,493,670 | 1,680 |
| Average earning assets | $351,584,330 | 1,714 |
| Average equity | $22,571,670 | 2,909 |
| Average total loans | $311,343,000 | 1,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 3,458 |
| Cost of funding earning assets | 1.2743% | 703 |
| Net interest margin | 3.3355% | 5,348 |
| Noninterest income to average assets | -0.1193% | 7,176 |
| Noninterest expense to average assets | 1.7813% | 6,816 |
| Loan and lease loss provision to assets | 0.8504% | 546 |
| Net operating income to assets | 0.2377% | 5,860 |
| Return on assets (ROA) | 0.2377% | 6,009 |
| Pretax return on assets | 0.2377% | 6,116 |
| Return on Equity (ROE) | 4.4799% | 5,055 |
| Retained earnings to average equity (ytd only) | 4.4799% | 3,903 |
| Net charge-offs to loans | 1.0347% | 1,002 |
| Credit loss provision to net charge-offs | 103.8882% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.3293% | 3,667 |
| Efficiency ratio | 62.0797% | 5,264 |
| Assets per employee ($millions) | 16.7005% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9898% | 372 |
| Loan loss allowance to noncurrent loans | 52.2597% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 11.4465% | 227 |
| Noncurrent loans to loans | 7.6345% | 539 |
| Net loans and leases to total assets | 74.2855% | 1,018 |
| Net loans and leases to deposits | 78.7421% | 2,380 |
| Net loans and leases to core deposits | 83.1145% | 2,667 |
| Total domestic deposits to total assets | 94.3403% | 78 |
| Equity capital to assets | 5.3529% | 7,116 |
| Core capital (leverage) ratio | 5.3140% | 7,090 |
| Tier 1 risk-based capital ratio | 6.8375% | 7,141 |
| Total risk-based capital ratio | 8.1220% | 7,143 |
| Memoranda: | ||
| Average total assets | $402,180,500 | 1,646 |
| Average earning assets | $360,363,000 | 1,684 |
| Average equity | $21,340,000 | 3,067 |
| Average total loans | $318,158,000 | 1,332 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 5,504 |
| Cost of funding earning assets | 1.4474% | 862 |
| Net interest margin | 2.9310% | 6,639 |
| Noninterest income to average assets | -0.8966% | 7,314 |
| Noninterest expense to average assets | 2.0251% | 6,632 |
| Loan and lease loss provision to assets | 3.9649% | 52 |
| Net operating income to assets | -4.7726% | 7,295 |
| Return on assets (ROA) | -4.7726% | 7,298 |
| Pretax return on assets | -4.1725% | 7,279 |
| Return on Equity (ROE) | -71.6164% | 7,278 |
| Retained earnings to average equity (ytd only) | -71.6164% | 7,278 |
| Net charge-offs to loans | 3.2619% | 260 |
| Credit loss provision to net charge-offs | 151.1364% | 1,862 |
| Earnings coverage of net charge-offs (x) | -0.0791% | 5,888 |
| Efficiency ratio | 111.4186% | 408 |
| Assets per employee ($millions) | 16.1419% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7833% | 442 |
| Loan loss allowance to noncurrent loans | 52.2658% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 10.9553% | 269 |
| Noncurrent loans to loans | 7.2386% | 602 |
| Net loans and leases to total assets | 77.7741% | 735 |
| Net loans and leases to deposits | 82.3791% | 2,150 |
| Net loans and leases to core deposits | 88.8180% | 2,271 |
| Total domestic deposits to total assets | 94.4101% | 77 |
| Equity capital to assets | 5.2596% | 7,155 |
| Core capital (leverage) ratio | 5.0843% | 7,137 |
| Tier 1 risk-based capital ratio | 6.5114% | 7,184 |
| Total risk-based capital ratio | 7.7939% | 7,182 |
| Memoranda: | ||
| Average total assets | $439,426,600 | 1,485 |
| Average earning assets | $406,924,600 | 1,462 |
| Average equity | $29,283,800 | 2,249 |
| Average total loans | $353,418,200 | 1,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 6,020 |
| Cost of funding earning assets | 1.4797% | 932 |
| Net interest margin | 2.7954% | 6,888 |
| Noninterest income to average assets | -1.2248% | 7,413 |
| Noninterest expense to average assets | 2.1787% | 6,323 |
| Loan and lease loss provision to assets | 4.9131% | 33 |
| Net operating income to assets | -6.5093% | 7,405 |
| Return on assets (ROA) | -6.5093% | 7,407 |
| Pretax return on assets | -5.7252% | 7,393 |
| Return on Equity (ROE) | -93.2545% | 7,372 |
| Retained earnings to average equity (ytd only) | -93.2545% | 7,372 |
| Net charge-offs to loans | 3.6543% | 199 |
| Credit loss provision to net charge-offs | 167.3554% | 1,810 |
| Earnings coverage of net charge-offs (x) | -0.2766% | 5,754 |
| Efficiency ratio | 159.4212% | 110 |
| Assets per employee ($millions) | 16.2558% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9165% | 421 |
| Loan loss allowance to noncurrent loans | 34.6905% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 15.1146% | 125 |
| Noncurrent loans to loans | 11.2900% | 274 |
| Net loans and leases to total assets | 76.0157% | 976 |
| Net loans and leases to deposits | 80.0178% | 2,649 |
| Net loans and leases to core deposits | 87.9104% | 2,507 |
| Total domestic deposits to total assets | 94.9985% | 53 |
| Equity capital to assets | 4.8059% | 7,275 |
| Core capital (leverage) ratio | 4.6824% | 7,261 |
| Tier 1 risk-based capital ratio | 5.9923% | 7,296 |
| Total risk-based capital ratio | 7.2756% | 7,296 |
| Memoranda: | ||
| Average total assets | $448,396,250 | 1,473 |
| Average earning assets | $415,667,750 | 1,448 |
| Average equity | $31,298,500 | 2,119 |
| Average total loans | $360,223,500 | 1,186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 6,263 |
| Cost of funding earning assets | 1.4979% | 1,018 |
| Net interest margin | 2.7104% | 7,017 |
| Noninterest income to average assets | -1.8780% | 7,499 |
| Noninterest expense to average assets | 1.9139% | 6,929 |
| Loan and lease loss provision to assets | 6.9658% | 13 |
| Net operating income to assets | -9.6070% | 7,500 |
| Return on assets (ROA) | -9.6070% | 7,500 |
| Pretax return on assets | -8.2306% | 7,492 |
| Return on Equity (ROE) | -125.5754% | 7,454 |
| Retained earnings to average equity (ytd only) | -125.5754% | 7,454 |
| Net charge-offs to loans | 5.1480% | 113 |
| Credit loss provision to net charge-offs | 167.6427% | 1,804 |
| Earnings coverage of net charge-offs (x) | -0.3044% | 5,456 |
| Efficiency ratio | 294.8753% | 28 |
| Assets per employee ($millions) | 16.7267% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6680% | 524 |
| Loan loss allowance to noncurrent loans | 26.4692% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 14.6590% | 157 |
| Noncurrent loans to loans | 13.8576% | 167 |
| Net loans and leases to total assets | 77.7088% | 814 |
| Net loans and leases to deposits | 81.5871% | 2,510 |
| Net loans and leases to core deposits | 92.7603% | 2,045 |
| Total domestic deposits to total assets | 95.2464% | 45 |
| Equity capital to assets | 4.6570% | 7,342 |
| Core capital (leverage) ratio | 4.3657% | 7,351 |
| Tier 1 risk-based capital ratio | 5.8615% | 7,365 |
| Total risk-based capital ratio | 7.1419% | 7,369 |
| Memoranda: | ||
| Average total assets | $456,978,000 | 1,458 |
| Average earning assets | $426,068,000 | 1,435 |
| Average equity | $34,960,670 | 1,910 |
| Average total loans | $368,839,000 | 1,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 6,406 |
| Cost of funding earning assets | 1.5102% | 1,123 |
| Net interest margin | 2.6336% | 7,095 |
| Noninterest income to average assets | 0.1410% | 6,710 |
| Noninterest expense to average assets | 1.4794% | 7,374 |
| Loan and lease loss provision to assets | 0.8957% | 898 |
| Net operating income to assets | 0.1359% | 5,987 |
| Return on assets (ROA) | 0.1359% | 6,044 |
| Pretax return on assets | 0.2162% | 5,899 |
| Return on Equity (ROE) | 1.5030% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.5030% | 5,213 |
| Net charge-offs to loans | 1.4344% | 952 |
| Credit loss provision to net charge-offs | 77.3432% | 3,210 |
| Earnings coverage of net charge-offs (x) | 0.9601% | 3,932 |
| Efficiency ratio | 57.0910% | 6,371 |
| Assets per employee ($millions) | 18.0228% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 3,571 |
| Loan loss allowance to noncurrent loans | 12.5329% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 14.3009% | 172 |
| Noncurrent loans to loans | 13.0924% | 229 |
| Net loans and leases to total assets | 78.5319% | 673 |
| Net loans and leases to deposits | 86.4256% | 1,663 |
| Net loans and leases to core deposits | 98.6778% | 1,461 |
| Total domestic deposits to total assets | 90.8665% | 693 |
| Equity capital to assets | 9.0403% | 5,137 |
| Core capital (leverage) ratio | 8.6216% | 5,229 |
| Tier 1 risk-based capital ratio | 10.7694% | 6,653 |
| Total risk-based capital ratio | 12.0242% | 6,635 |
| Memoranda: | ||
| Average total assets | $468,020,500 | 1,445 |
| Average earning assets | $435,442,500 | 1,416 |
| Average equity | $42,314,500 | 1,568 |
| Average total loans | $377,849,500 | 1,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 6,169 |
| Cost of funding earning assets | 1.8804% | 906 |
| Net interest margin | 2.7003% | 7,120 |
| Noninterest income to average assets | 0.1071% | 6,857 |
| Noninterest expense to average assets | 1.2848% | 7,521 |
| Loan and lease loss provision to assets | 1.0759% | 1,492 |
| Net operating income to assets | 0.7100% | 3,195 |
| Return on assets (ROA) | 0.7100% | 3,325 |
| Pretax return on assets | 0.2323% | 5,404 |
| Return on Equity (ROE) | 8.2222% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.2222% | 908 |
| Net charge-offs to loans | 1.2872% | 1,738 |
| Credit loss provision to net charge-offs | 99.7509% | 4,637 |
| Earnings coverage of net charge-offs (x) | 1.2129% | 4,892 |
| Efficiency ratio | 49.5496% | 7,160 |
| Assets per employee ($millions) | 17.3129% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 3,255 |
| Loan loss allowance to noncurrent loans | 15.3644% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 12.7543% | 241 |
| Noncurrent loans to loans | 10.9952% | 357 |
| Net loans and leases to total assets | 80.2483% | 635 |
| Net loans and leases to deposits | 88.3342% | 1,747 |
| Net loans and leases to core deposits | 106.0299% | 1,188 |
| Total domestic deposits to total assets | 90.8463% | 672 |
| Equity capital to assets | 9.0421% | 5,081 |
| Core capital (leverage) ratio | 8.5353% | 5,292 |
| Tier 1 risk-based capital ratio | 10.7452% | 6,532 |
| Total risk-based capital ratio | 12.0029% | 6,498 |
| Memoranda: | ||
| Average total assets | $483,794,200 | 1,386 |
| Average earning assets | $445,388,600 | 1,371 |
| Average equity | $41,777,000 | 1,583 |
| Average total loans | $405,382,800 | 1,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 6,275 |
| Cost of funding earning assets | 1.9383% | 906 |
| Net interest margin | 2.6842% | 7,253 |
| Noninterest income to average assets | 0.1088% | 7,007 |
| Noninterest expense to average assets | 1.2577% | 7,646 |
| Loan and lease loss provision to assets | 0.7846% | 1,944 |
| Net operating income to assets | 1.1371% | 1,778 |
| Return on assets (ROA) | 1.1371% | 1,885 |
| Pretax return on assets | 0.5340% | 4,814 |
| Return on Equity (ROE) | 13.3188% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.3188% | 316 |
| Net charge-offs to loans | 0.2237% | 4,598 |
| Credit loss provision to net charge-offs | 416.0870% | 722 |
| Earnings coverage of net charge-offs (x) | 6.9927% | 2,406 |
| Efficiency ratio | 48.8172% | 7,226 |
| Assets per employee ($millions) | 18.2080% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,895 |
| Loan loss allowance to noncurrent loans | 20.4469% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 12.2909% | 259 |
| Noncurrent loans to loans | 10.5052% | 382 |
| Net loans and leases to total assets | 80.0531% | 740 |
| Net loans and leases to deposits | 88.3964% | 1,952 |
| Net loans and leases to core deposits | 109.3339% | 1,075 |
| Total domestic deposits to total assets | 90.5615% | 616 |
| Equity capital to assets | 8.7469% | 5,946 |
| Core capital (leverage) ratio | 8.4734% | 5,555 |
| Tier 1 risk-based capital ratio | 10.7077% | 6,626 |
| Total risk-based capital ratio | 11.9688% | 6,596 |
| Memoranda: | ||
| Average total assets | $487,880,500 | 1,394 |
| Average earning assets | $448,494,750 | 1,377 |
| Average equity | $41,654,500 | 1,589 |
| Average total loans | $411,337,000 | 1,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 6,119 |
| Cost of funding earning assets | 2.0058% | 902 |
| Net interest margin | 2.7025% | 7,252 |
| Noninterest income to average assets | 0.0793% | 7,189 |
| Noninterest expense to average assets | 1.0151% | 7,771 |
| Loan and lease loss provision to assets | 0.7311% | 1,989 |
| Net operating income to assets | 1.5975% | 729 |
| Return on assets (ROA) | 1.5975% | 784 |
| Pretax return on assets | 0.7961% | 3,896 |
| Return on Equity (ROE) | 18.8663% | 398 |
| Retained earnings to average equity (ytd only) | 18.8663% | 107 |
| Net charge-offs to loans | 0.1163% | 5,013 |
| Credit loss provision to net charge-offs | 738.1743% | 510 |
| Earnings coverage of net charge-offs (x) | 15.4191% | 1,458 |
| Efficiency ratio | 39.9289% | 7,646 |
| Assets per employee ($millions) | 19.1989% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,305 |
| Loan loss allowance to noncurrent loans | 19.6883% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 11.2316% | 310 |
| Noncurrent loans to loans | 9.9031% | 450 |
| Net loans and leases to total assets | 77.5716% | 1,181 |
| Net loans and leases to deposits | 84.7369% | 2,747 |
| Net loans and leases to core deposits | 104.7656% | 1,559 |
| Total domestic deposits to total assets | 91.5441% | 320 |
| Equity capital to assets | 8.2376% | 6,497 |
| Core capital (leverage) ratio | 8.4611% | 5,477 |
| Tier 1 risk-based capital ratio | 10.2815% | 6,850 |
| Total risk-based capital ratio | 11.5397% | 6,826 |
| Memoranda: | ||
| Average total assets | $486,635,330 | 1,404 |
| Average earning assets | $443,510,670 | 1,396 |
| Average equity | $41,205,670 | 1,602 |
| Average total loans | $414,385,000 | 1,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 5,647 |
| Cost of funding earning assets | 2.0357% | 991 |
| Net interest margin | 2.8233% | 7,149 |
| Noninterest income to average assets | 0.0850% | 7,282 |
| Noninterest expense to average assets | 0.9584% | 7,880 |
| Loan and lease loss provision to assets | 0.5880% | 2,153 |
| Net operating income to assets | 2.9025% | 101 |
| Return on assets (ROA) | 2.9025% | 108 |
| Pretax return on assets | 1.1853% | 2,415 |
| Return on Equity (ROE) | 33.7733% | 59 |
| Retained earnings to average equity (ytd only) | 33.7733% | 44 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0855% | 7,802 |
| Assets per employee ($millions) | 17.7284% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 3,006 |
| Loan loss allowance to noncurrent loans | 22.5673% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 10.2347% | 380 |
| Noncurrent loans to loans | 7.6018% | 738 |
| Net loans and leases to total assets | 85.5774% | 242 |
| Net loans and leases to deposits | 94.3016% | 1,316 |
| Net loans and leases to core deposits | 123.9612% | 645 |
| Total domestic deposits to total assets | 90.7487% | 630 |
| Equity capital to assets | 8.8090% | 5,538 |
| Core capital (leverage) ratio | 8.8932% | 4,738 |
| Tier 1 risk-based capital ratio | 9.9176% | 7,086 |
| Total risk-based capital ratio | 11.1728% | 7,066 |
| Memoranda: | ||
| Average total assets | $470,768,500 | 1,489 |
| Average earning assets | $441,329,000 | 1,440 |
| Average equity | $40,458,000 | 1,651 |
| Average total loans | $416,526,000 | 1,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 5,843 |
| Cost of funding earning assets | 2.7421% | 526 |
| Net interest margin | 2.4144% | 7,501 |
| Noninterest income to average assets | 0.2475% | 6,330 |
| Noninterest expense to average assets | 0.9099% | 7,950 |
| Loan and lease loss provision to assets | 1.8805% | 1,186 |
| Net operating income to assets | -0.2070% | 5,847 |
| Return on assets (ROA) | -0.2070% | 5,841 |
| Pretax return on assets | -0.1878% | 5,688 |
| Return on Equity (ROE) | -2.2801% | 5,896 |
| Retained earnings to average equity (ytd only) | -12.5816% | 6,727 |
| Net charge-offs to loans | 1.0028% | 2,407 |
| Credit loss provision to net charge-offs | 198.3682% | 1,981 |
| Earnings coverage of net charge-offs (x) | 1.7856% | 4,383 |
| Efficiency ratio | 34.9602% | 7,905 |
| Assets per employee ($millions) | 17.8027% | 87 |
| Cash dividends to net income (ytd only)* | -451.7895% | 7,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,470 |
| Loan loss allowance to noncurrent loans | 34.4519% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 7.6404% | 621 |
| Noncurrent loans to loans | 4.5031% | 1,582 |
| Net loans and leases to total assets | 88.5374% | 150 |
| Net loans and leases to deposits | 97.4553% | 1,158 |
| Net loans and leases to core deposits | 187.1968% | 130 |
| Total domestic deposits to total assets | 90.8493% | 594 |
| Equity capital to assets | 8.3717% | 6,100 |
| Core capital (leverage) ratio | 8.2666% | 5,687 |
| Tier 1 risk-based capital ratio | 9.2408% | 7,361 |
| Total risk-based capital ratio | 10.4792% | 7,359 |
| Memoranda: | ||
| Average total assets | $458,969,000 | 1,506 |
| Average earning assets | $447,684,800 | 1,410 |
| Average equity | $41,664,000 | 1,603 |
| Average total loans | $433,899,800 | 1,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 6,036 |
| Cost of funding earning assets | 2.8748% | 497 |
| Net interest margin | 2.2910% | 7,653 |
| Noninterest income to average assets | 0.1162% | 7,311 |
| Noninterest expense to average assets | 0.8865% | 8,047 |
| Loan and lease loss provision to assets | 0.2507% | 4,946 |
| Net operating income to assets | 1.2160% | 1,425 |
| Return on assets (ROA) | 1.2160% | 1,487 |
| Pretax return on assets | 1.2329% | 2,156 |
| Return on Equity (ROE) | 13.1372% | 1,090 |
| Retained earnings to average equity (ytd only) | 0.9593% | 4,773 |
| Net charge-offs to loans | 0.0040% | 6,926 |
| Credit loss provision to net charge-offs | 6,623.0769% | 54 |
| Earnings coverage of net charge-offs (x) | 392.0658% | 93 |
| Efficiency ratio | 37.4033% | 7,958 |
| Assets per employee ($millions) | 19.4472% | 82 |
| Cash dividends to net income (ytd only)* | 92.6982% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 7,393 |
| Loan loss allowance to noncurrent loans | 26.2268% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 2,785 |
| Noncurrent loans to loans | 2.6387% | 2,864 |
| Net loans and leases to total assets | 93.0063% | 35 |
| Net loans and leases to deposits | 103.0539% | 839 |
| Net loans and leases to core deposits | 191.0532% | 130 |
| Total domestic deposits to total assets | 90.2501% | 685 |
| Equity capital to assets | 9.4911% | 4,756 |
| Core capital (leverage) ratio | 9.5318% | 3,868 |
| Tier 1 risk-based capital ratio | 10.4736% | 6,499 |
| Total risk-based capital ratio | 11.1888% | 6,988 |
| Memoranda: | ||
| Average total assets | $457,993,750 | 1,520 |
| Average earning assets | $450,571,000 | 1,420 |
| Average equity | $42,392,500 | 1,593 |
| Average total loans | $438,307,000 | 1,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 5,943 |
| Cost of funding earning assets | 3.0166% | 446 |
| Net interest margin | 2.2172% | 7,741 |
| Noninterest income to average assets | 0.1107% | 7,430 |
| Noninterest expense to average assets | 0.7902% | 8,150 |
| Loan and lease loss provision to assets | 0.0215% | 7,017 |
| Net operating income to assets | 1.4652% | 908 |
| Return on assets (ROA) | 1.4652% | 968 |
| Pretax return on assets | 1.4824% | 1,496 |
| Return on Equity (ROE) | 15.9685% | 703 |
| Retained earnings to average equity (ytd only) | 3.9610% | 3,080 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4444% | 8,079 |
| Assets per employee ($millions) | 19.1378% | 83 |
| Cash dividends to net income (ytd only)* | 75.1950% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 7,776 |
| Loan loss allowance to noncurrent loans | 10.2165% | 7,492 |
| Noncurrent assets plus other real estate owned to assets | 4.7901% | 1,144 |
| Noncurrent loans to loans | 4.9803% | 1,236 |
| Net loans and leases to total assets | 94.8083% | 19 |
| Net loans and leases to deposits | 105.5717% | 792 |
| Net loans and leases to core deposits | 187.6845% | 168 |
| Total domestic deposits to total assets | 89.8046% | 909 |
| Equity capital to assets | 9.7580% | 4,274 |
| Core capital (leverage) ratio | 9.7512% | 3,572 |
| Tier 1 risk-based capital ratio | 10.6294% | 6,252 |
| Total risk-based capital ratio | 11.1576% | 6,962 |
| Memoranda: | ||
| Average total assets | $455,081,000 | 1,552 |
| Average earning assets | $448,124,330 | 1,444 |
| Average equity | $41,757,330 | 1,631 |
| Average total loans | $438,704,330 | 1,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 6,252 |
| Cost of funding earning assets | 3.1287% | 420 |
| Net interest margin | 2.0819% | 7,859 |
| Noninterest income to average assets | 0.1121% | 7,472 |
| Noninterest expense to average assets | 0.7921% | 8,196 |
| Loan and lease loss provision to assets | 0.0433% | 6,428 |
| Net operating income to assets | 1.3149% | 1,347 |
| Return on assets (ROA) | 1.3149% | 1,446 |
| Pretax return on assets | 1.3299% | 2,180 |
| Return on Equity (ROE) | 14.8062% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.6536% | 3,336 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5824% | 8,103 |
| Assets per employee ($millions) | 19.0569% | 86 |
| Cash dividends to net income (ytd only)* | 68.5695% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 7,817 |
| Loan loss allowance to noncurrent loans | 65.2123% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 4,905 |
| Noncurrent loans to loans | 0.7750% | 5,495 |
| Net loans and leases to total assets | 95.8619% | 10 |
| Net loans and leases to deposits | 105.5335% | 904 |
| Net loans and leases to core deposits | 189.5133% | 183 |
| Total domestic deposits to total assets | 90.8355% | 467 |
| Equity capital to assets | 8.8465% | 5,556 |
| Core capital (leverage) ratio | 8.8901% | 4,871 |
| Tier 1 risk-based capital ratio | 9.8335% | 7,104 |
| Total risk-based capital ratio | 10.3747% | 7,731 |
| Memoranda: | ||
| Average total assets | $452,968,500 | 1,563 |
| Average earning assets | $446,709,000 | 1,451 |
| Average equity | $40,226,500 | 1,696 |
| Average total loans | $439,213,000 | 1,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1344% | 4,868 |
| Cost of funding earning assets | 3.4512% | 597 |
| Net interest margin | 2.6832% | 7,530 |
| Noninterest income to average assets | 0.1225% | 7,507 |
| Noninterest expense to average assets | 1.1456% | 8,178 |
| Loan and lease loss provision to assets | 0.3532% | 3,571 |
| Net operating income to assets | 1.2323% | 1,677 |
| Return on assets (ROA) | 1.2323% | 1,621 |
| Pretax return on assets | 1.2490% | 2,483 |
| Return on Equity (ROE) | 12.0775% | 1,570 |
| Retained earnings to average equity (ytd only) | -3.7478% | 6,271 |
| Net charge-offs to loans | -0.0024% | 7,753 |
| Credit loss provision to net charge-offs | -15,444.4444% | 7,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6921% | 8,078 |
| Assets per employee ($millions) | 18.6905% | 85 |
| Cash dividends to net income (ytd only)* | 131.0309% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 7,855 |
| Loan loss allowance to noncurrent loans | 105.9367% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 5,317 |
| Noncurrent loans to loans | 0.4694% | 5,939 |
| Net loans and leases to total assets | 97.1044% | 7 |
| Net loans and leases to deposits | 107.0707% | 1,037 |
| Net loans and leases to core deposits | 185.7156% | 240 |
| Total domestic deposits to total assets | 90.6918% | 428 |
| Equity capital to assets | 8.9154% | 5,479 |
| Core capital (leverage) ratio | 9.0640% | 4,648 |
| Tier 1 risk-based capital ratio | 9.6943% | 7,090 |
| Total risk-based capital ratio | 10.2223% | 7,801 |
| Memoranda: | ||
| Average total assets | $393,585,600 | 1,722 |
| Average earning assets | $385,107,000 | 1,614 |
| Average equity | $40,157,400 | 1,673 |
| Average total loans | $380,049,000 | 1,278 |